Home > Scottsburg Building and Loan Association > Performance and Condition Ratios
Scottsburg Building 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 | 3.8076% | 4,173 |
| Cost of funding earning assets | 1.4759% | 2,003 |
| Net interest margin | 2.3318% | 4,234 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.1337% | 3,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1139% | 4,241 |
| Return on assets (ROA) | 0.1454% | 4,238 |
| Pretax return on assets | 0.1506% | 4,238 |
| Return on Equity (ROE) | 0.9500% | 4,267 |
| Retained earnings to average equity (ytd only) | 0.9523% | 3,847 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 94.7550% | 284 |
| Assets per employee ($millions) | 8.7263% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7031% | 4,124 |
| Loan loss allowance to noncurrent loans | 1,330.4348% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 3,476 |
| Noncurrent loans to loans | 0.0528% | 3,343 |
| Net loans and leases to total assets | 55.0200% | 3,277 |
| Net loans and leases to deposits | 73.0657% | 2,689 |
| Net loans and leases to core deposits | 89.4959% | 2,087 |
| Total domestic deposits to total assets | 75.3100% | 4,003 |
| Equity capital to assets | 15.3533% | 520 |
| Core capital (leverage) ratio | 18.1289% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.8936% | 150 |
| Memoranda: | ||
| Average total assets | $77,049,400 | 4,043 |
| Average earning assets | $68,231,400 | 4,053 |
| Average equity | $11,761,200 | 3,550 |
| Average total loans | $40,727,400 | 3,984 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7470% | 4,160 |
| Cost of funding earning assets | 1.3699% | 1,950 |
| Net interest margin | 2.3771% | 4,256 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.1457% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1422% | 4,285 |
| Return on assets (ROA) | 0.1739% | 4,275 |
| Pretax return on assets | 0.1808% | 4,278 |
| Return on Equity (ROE) | 1.1400% | 4,298 |
| Retained earnings to average equity (ytd only) | 1.1408% | 3,919 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.5557% | 278 |
| Assets per employee ($millions) | 8.4983% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7264% | 4,098 |
| Loan loss allowance to noncurrent loans | 1,912.5000% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 3,616 |
| Noncurrent loans to loans | 0.0380% | 3,495 |
| Net loans and leases to total assets | 54.6800% | 3,312 |
| Net loans and leases to deposits | 71.1077% | 2,769 |
| Net loans and leases to core deposits | 86.2274% | 2,174 |
| Total domestic deposits to total assets | 76.9000% | 3,938 |
| Equity capital to assets | 14.8160% | 551 |
| Core capital (leverage) ratio | 18.1152% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.3559% | 150 |
| Memoranda: | ||
| Average total assets | $76,677,500 | 4,064 |
| Average earning assets | $67,644,250 | 4,082 |
| Average equity | $11,687,000 | 3,555 |
| Average total loans | $40,029,250 | 4,002 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6611% | 4,183 |
| Cost of funding earning assets | 1.2609% | 1,822 |
| Net interest margin | 2.4002% | 4,298 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.1423% | 3,238 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1693% | 4,314 |
| Return on assets (ROA) | 0.2085% | 4,290 |
| Pretax return on assets | 0.2215% | 4,298 |
| Return on Equity (ROE) | 1.3600% | 4,342 |
| Retained earnings to average equity (ytd only) | 1.3553% | 3,852 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 92.2559% | 295 |
| Assets per employee ($millions) | 8.2616% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7818% | 4,059 |
| Loan loss allowance to noncurrent loans | 1,912.5000% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,604 |
| Noncurrent loans to loans | 0.0409% | 3,434 |
| Net loans and leases to total assets | 52.2300% | 3,394 |
| Net loans and leases to deposits | 66.4204% | 3,039 |
| Net loans and leases to core deposits | 80.5861% | 2,432 |
| Total domestic deposits to total assets | 78.6300% | 3,768 |
| Equity capital to assets | 15.8835% | 458 |
| Core capital (leverage) ratio | 17.9943% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.4017% | 145 |
| Memoranda: | ||
| Average total assets | $76,741,667 | 4,081 |
| Average earning assets | $67,412,000 | 4,103 |
| Average equity | $11,805,333 | 3,554 |
| Average total loans | $39,329,667 | 4,029 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6858% | 4,046 |
| Cost of funding earning assets | 1.0598% | 1,861 |
| Net interest margin | 2.6260% | 4,181 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.1368% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3333% | 4,198 |
| Return on assets (ROA) | 0.3287% | 4,165 |
| Pretax return on assets | 0.3698% | 4,173 |
| Return on Equity (ROE) | 2.1800% | 4,278 |
| Retained earnings to average equity (ytd only) | 2.1804% | 3,667 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.0716% | 543 |
| Assets per employee ($millions) | 8.6180% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 4,143 |
| Loan loss allowance to noncurrent loans | 325.5319% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 2,658 |
| Noncurrent loans to loans | 0.2360% | 2,321 |
| Net loans and leases to total assets | 50.9600% | 3,421 |
| Net loans and leases to deposits | 65.7059% | 2,957 |
| Net loans and leases to core deposits | 78.6220% | 2,345 |
| Total domestic deposits to total assets | 77.5600% | 4,046 |
| Equity capital to assets | 15.2123% | 465 |
| Core capital (leverage) ratio | 17.7816% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.0226% | 173 |
| Memoranda: | ||
| Average total assets | $77,873,500 | 4,131 |
| Average earning assets | $67,936,000 | 4,154 |
| Average equity | $11,741,000 | 3,594 |
| Average total loans | $39,425,500 | 4,078 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2532% | 3,702 |
| Cost of funding earning assets | 0.9025% | 253 |
| Net interest margin | 2.3507% | 4,394 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.1082% | 3,269 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3567% | 4,301 |
| Return on assets (ROA) | 0.3445% | 4,287 |
| Pretax return on assets | 0.3857% | 4,291 |
| Return on Equity (ROE) | 2.2300% | 4,365 |
| Retained earnings to average equity (ytd only) | 2.2257% | 3,931 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.0717% | 493 |
| Assets per employee ($millions) | 8.6872% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7843% | 4,068 |
| Loan loss allowance to noncurrent loans | 198.7013% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 2,187 |
| Noncurrent loans to loans | 0.3947% | 1,734 |
| Net loans and leases to total assets | 49.5100% | 3,542 |
| Net loans and leases to deposits | 61.2836% | 3,254 |
| Net loans and leases to core deposits | 73.2719% | 2,624 |
| Total domestic deposits to total assets | 80.7900% | 3,780 |
| Equity capital to assets | 14.9428% | 475 |
| Core capital (leverage) ratio | 17.3868% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9556% | 182 |
| Memoranda: | ||
| Average total assets | $80,117,400 | 4,130 |
| Average earning assets | $70,361,400 | 4,151 |
| Average equity | $12,400,800 | 3,630 |
| Average total loans | $38,568,200 | 4,090 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2348% | 3,348 |
| Cost of funding earning assets | 0.9103% | 99 |
| Net interest margin | 2.3245% | 4,391 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.0347% | 3,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3396% | 4,333 |
| Return on assets (ROA) | 0.3292% | 4,299 |
| Pretax return on assets | 0.3656% | 4,310 |
| Return on Equity (ROE) | 2.1100% | 4,398 |
| Retained earnings to average equity (ytd only) | 2.1091% | 4,004 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.3621% | 528 |
| Assets per employee ($millions) | 8.7608% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7920% | 4,112 |
| Loan loss allowance to noncurrent loans | 501.6393% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 3,128 |
| Noncurrent loans to loans | 0.1579% | 2,820 |
| Net loans and leases to total assets | 48.6100% | 3,567 |
| Net loans and leases to deposits | 59.7348% | 3,220 |
| Net loans and leases to core deposits | 71.9218% | 2,490 |
| Total domestic deposits to total assets | 81.3800% | 3,922 |
| Equity capital to assets | 14.4203% | 518 |
| Core capital (leverage) ratio | 17.2627% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6114% | 159 |
| Memoranda: | ||
| Average total assets | $80,600,500 | 4,153 |
| Average earning assets | $70,894,500 | 4,181 |
| Average equity | $12,580,250 | 3,651 |
| Average total loans | $38,456,000 | 4,114 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1623% | 3,159 |
| Cost of funding earning assets | 0.9143% | 54 |
| Net interest margin | 2.2480% | 4,385 |
| Noninterest income to average assets | 0.4756% | 2,329 |
| Noninterest expense to average assets | 2.0206% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3869% | 4,131 |
| Return on assets (ROA) | 0.3672% | 4,129 |
| Pretax return on assets | 0.4140% | 4,138 |
| Return on Equity (ROE) | 2.2991% | 4,322 |
| Retained earnings to average equity (ytd only) | 2.2991% | 3,668 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2467% | 783 |
| Assets per employee ($millions) | 8.9048% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8012% | 4,173 |
| Loan loss allowance to noncurrent loans | 217.0213% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 2,478 |
| Noncurrent loans to loans | 0.3692% | 2,039 |
| Net loans and leases to total assets | 47.2755% | 3,608 |
| Net loans and leases to deposits | 59.0901% | 3,124 |
| Net loans and leases to core deposits | 70.1253% | 2,482 |
| Total domestic deposits to total assets | 80.0057% | 4,226 |
| Equity capital to assets | 14.5640% | 460 |
| Core capital (leverage) ratio | 17.1422% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5138% | 125 |
| Memoranda: | ||
| Average total assets | $81,163,000 | 4,187 |
| Average earning assets | $71,530,333 | 4,230 |
| Average equity | $12,961,667 | 3,688 |
| Average total loans | $38,396,000 | 4,169 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0225% | 3,187 |
| Cost of funding earning assets | 0.9095% | 55 |
| Net interest margin | 2.1130% | 4,427 |
| Noninterest income to average assets | 0.8032% | 1,036 |
| Noninterest expense to average assets | 2.0521% | 3,293 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5283% | 3,630 |
| Return on assets (ROA) | 0.5240% | 3,608 |
| Pretax return on assets | 0.6122% | 3,601 |
| Return on Equity (ROE) | 3.1456% | 4,060 |
| Retained earnings to average equity (ytd only) | 3.1456% | 3,211 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8807% | 1,427 |
| Assets per employee ($millions) | 9.0457% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8085% | 4,228 |
| Loan loss allowance to noncurrent loans | 132.4675% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 1,987 |
| Noncurrent loans to loans | 0.6104% | 1,534 |
| Net loans and leases to total assets | 46.1129% | 3,564 |
| Net loans and leases to deposits | 58.6477% | 3,021 |
| Net loans and leases to core deposits | 69.6158% | 2,323 |
| Total domestic deposits to total assets | 78.6270% | 4,369 |
| Equity capital to assets | 16.0433% | 315 |
| Core capital (leverage) ratio | 17.2079% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6978% | 125 |
| Memoranda: | ||
| Average total assets | $81,673,000 | 4,201 |
| Average earning assets | $72,125,500 | 4,238 |
| Average equity | $13,606,500 | 3,694 |
| Average total loans | $38,497,000 | 4,181 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3388% | 3,089 |
| Cost of funding earning assets | 1.0423% | 61 |
| Net interest margin | 2.2965% | 4,418 |
| Noninterest income to average assets | 0.3354% | 3,410 |
| Noninterest expense to average assets | 2.0005% | 3,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3226% | 4,394 |
| Return on assets (ROA) | 0.2929% | 4,453 |
| Pretax return on assets | 0.3472% | 4,442 |
| Return on Equity (ROE) | 1.7453% | 4,528 |
| Retained earnings to average equity (ytd only) | 1.7453% | 4,058 |
| Net charge-offs to loans | 0.0939% | 894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 8.5263% | 2,297 |
| Efficiency ratio | 83.9445% | 573 |
| Assets per employee ($millions) | 9.1039% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7817% | 4,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 47.4047% | 3,549 |
| Net loans and leases to deposits | 61.2036% | 2,970 |
| Net loans and leases to core deposits | 72.0973% | 2,247 |
| Total domestic deposits to total assets | 77.4541% | 4,438 |
| Equity capital to assets | 17.2722% | 286 |
| Core capital (leverage) ratio | 16.5922% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8646% | 134 |
| Memoranda: | ||
| Average total assets | $84,679,800 | 4,158 |
| Average earning assets | $75,506,000 | 4,189 |
| Average equity | $14,209,400 | 3,718 |
| Average total loans | $40,490,000 | 4,176 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2066% | 3,594 |
| Cost of funding earning assets | 1.0683% | 63 |
| Net interest margin | 2.1383% | 4,607 |
| Noninterest income to average assets | 0.3983% | 3,091 |
| Noninterest expense to average assets | 1.9430% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3202% | 4,490 |
| Return on assets (ROA) | 0.2749% | 4,577 |
| Pretax return on assets | 0.3139% | 4,579 |
| Return on Equity (ROE) | 1.6498% | 4,635 |
| Retained earnings to average equity (ytd only) | 1.6498% | 4,284 |
| Net charge-offs to loans | 0.1241% | 638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 6.1579% | 2,191 |
| Efficiency ratio | 84.1678% | 508 |
| Assets per employee ($millions) | 9.3248% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 4,394 |
| Loan loss allowance to noncurrent loans | 134.8018% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 2,421 |
| Noncurrent loans to loans | 0.5724% | 1,878 |
| Net loans and leases to total assets | 46.8930% | 3,724 |
| Net loans and leases to deposits | 61.0064% | 3,137 |
| Net loans and leases to core deposits | 73.5960% | 2,277 |
| Total domestic deposits to total assets | 76.8657% | 4,498 |
| Equity capital to assets | 17.0728% | 332 |
| Core capital (leverage) ratio | 16.3680% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4246% | 156 |
| Memoranda: | ||
| Average total assets | $85,366,000 | 4,200 |
| Average earning assets | $76,258,500 | 4,232 |
| Average equity | $14,223,750 | 3,765 |
| Average total loans | $40,825,750 | 4,228 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2313% | 3,609 |
| Cost of funding earning assets | 1.0867% | 72 |
| Net interest margin | 2.1446% | 4,629 |
| Noninterest income to average assets | 0.5078% | 2,594 |
| Noninterest expense to average assets | 1.9472% | 3,844 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3834% | 4,420 |
| Return on assets (ROA) | 0.3424% | 4,500 |
| Pretax return on assets | 0.4262% | 4,480 |
| Return on Equity (ROE) | 2.0638% | 4,587 |
| Retained earnings to average equity (ytd only) | 2.0638% | 4,095 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3074% | 765 |
| Assets per employee ($millions) | 9.5351% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 4,259 |
| Loan loss allowance to noncurrent loans | 435.4430% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 3,590 |
| Noncurrent loans to loans | 0.1980% | 3,243 |
| Net loans and leases to total assets | 46.0870% | 3,896 |
| Net loans and leases to deposits | 60.4195% | 3,356 |
| Net loans and leases to core deposits | 74.1873% | 2,391 |
| Total domestic deposits to total assets | 76.2783% | 4,548 |
| Equity capital to assets | 16.6752% | 352 |
| Core capital (leverage) ratio | 16.3419% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9812% | 165 |
| Memoranda: | ||
| Average total assets | $85,869,000 | 4,218 |
| Average earning assets | $76,749,333 | 4,250 |
| Average equity | $14,245,333 | 3,768 |
| Average total loans | $41,214,333 | 4,253 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2435% | 3,601 |
| Cost of funding earning assets | 1.1245% | 76 |
| Net interest margin | 2.1189% | 4,667 |
| Noninterest income to average assets | 0.1350% | 4,528 |
| Noninterest expense to average assets | 1.9512% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0434% | 4,759 |
| Return on assets (ROA) | 0.0140% | 4,778 |
| Pretax return on assets | 0.0419% | 4,765 |
| Return on Equity (ROE) | 0.0844% | 4,780 |
| Retained earnings to average equity (ytd only) | 0.0844% | 4,360 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1009% | 247 |
| Assets per employee ($millions) | 8.6099% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 4,357 |
| Loan loss allowance to noncurrent loans | 435.4430% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 3,733 |
| Noncurrent loans to loans | 0.1890% | 3,427 |
| Net loans and leases to total assets | 48.1562% | 3,803 |
| Net loans and leases to deposits | 62.8498% | 3,238 |
| Net loans and leases to core deposits | 77.0311% | 2,265 |
| Total domestic deposits to total assets | 76.6211% | 4,549 |
| Equity capital to assets | 16.3568% | 357 |
| Core capital (leverage) ratio | 16.1960% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2202% | 180 |
| Memoranda: | ||
| Average total assets | $85,895,500 | 4,233 |
| Average earning assets | $76,831,000 | 4,268 |
| Average equity | $14,213,000 | 3,777 |
| Average total loans | $41,874,500 | 4,264 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7288% | 3,500 |
| Cost of funding earning assets | 1.3095% | 173 |
| Net interest margin | 2.4193% | 4,643 |
| Noninterest income to average assets | 0.1720% | 4,426 |
| Noninterest expense to average assets | 1.9339% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3886% | 4,271 |
| Return on assets (ROA) | 0.3719% | 4,380 |
| Pretax return on assets | 0.3893% | 4,440 |
| Return on Equity (ROE) | 2.3049% | 4,522 |
| Retained earnings to average equity (ytd only) | 2.3049% | 3,701 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6216% | 711 |
| Assets per employee ($millions) | 8.5692% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 4,385 |
| Loan loss allowance to noncurrent loans | 452.6316% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 3,881 |
| Noncurrent loans to loans | 0.1812% | 3,566 |
| Net loans and leases to total assets | 48.5448% | 3,936 |
| Net loans and leases to deposits | 63.6723% | 3,462 |
| Net loans and leases to core deposits | 78.7681% | 2,479 |
| Total domestic deposits to total assets | 76.2417% | 4,495 |
| Equity capital to assets | 16.7379% | 362 |
| Core capital (leverage) ratio | 16.1248% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4660% | 170 |
| Memoranda: | ||
| Average total assets | $86,043,200 | 4,173 |
| Average earning assets | $77,129,200 | 4,199 |
| Average equity | $13,883,200 | 3,774 |
| Average total loans | $43,356,200 | 4,249 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6731% | 3,850 |
| Cost of funding earning assets | 1.3377% | 205 |
| Net interest margin | 2.3354% | 4,764 |
| Noninterest income to average assets | 0.1811% | 4,388 |
| Noninterest expense to average assets | 1.9582% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3297% | 4,392 |
| Return on assets (ROA) | 0.2926% | 4,505 |
| Pretax return on assets | 0.2802% | 4,564 |
| Return on Equity (ROE) | 1.8303% | 4,579 |
| Retained earnings to average equity (ytd only) | 1.8303% | 3,992 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0544% | 497 |
| Assets per employee ($millions) | 8.6477% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8026% | 4,359 |
| Loan loss allowance to noncurrent loans | 175.5102% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 3,315 |
| Noncurrent loans to loans | 0.4573% | 2,677 |
| Net loans and leases to total assets | 49.1645% | 4,139 |
| Net loans and leases to deposits | 64.9407% | 3,708 |
| Net loans and leases to core deposits | 80.5334% | 2,799 |
| Total domestic deposits to total assets | 75.7068% | 4,448 |
| Equity capital to assets | 16.4275% | 421 |
| Core capital (leverage) ratio | 15.9510% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.0436% | 187 |
| Memoranda: | ||
| Average total assets | $86,131,000 | 4,175 |
| Average earning assets | $77,245,250 | 4,204 |
| Average equity | $13,768,250 | 3,788 |
| Average total loans | $43,709,500 | 4,260 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 3,953 |
| Cost of funding earning assets | 1.3589% | 271 |
| Net interest margin | 2.4092% | 4,788 |
| Noninterest income to average assets | 0.2023% | 4,263 |
| Noninterest expense to average assets | 1.9787% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3602% | 4,314 |
| Return on assets (ROA) | 0.3209% | 4,432 |
| Pretax return on assets | 0.3418% | 4,483 |
| Return on Equity (ROE) | 2.0261% | 4,527 |
| Retained earnings to average equity (ytd only) | 2.0261% | 3,742 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7598% | 655 |
| Assets per employee ($millions) | 8.6434% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 4,359 |
| Loan loss allowance to noncurrent loans | 378.0220% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 4,005 |
| Noncurrent loans to loans | 0.2095% | 3,633 |
| Net loans and leases to total assets | 49.8658% | 4,167 |
| Net loans and leases to deposits | 65.7950% | 3,744 |
| Net loans and leases to core deposits | 81.5658% | 2,810 |
| Total domestic deposits to total assets | 75.7896% | 4,448 |
| Equity capital to assets | 16.3049% | 432 |
| Core capital (leverage) ratio | 15.9008% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5731% | 188 |
| Memoranda: | ||
| Average total assets | $86,015,667 | 4,178 |
| Average earning assets | $77,119,667 | 4,211 |
| Average equity | $13,622,333 | 3,813 |
| Average total loans | $43,992,667 | 4,260 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 4,073 |
| Cost of funding earning assets | 1.3892% | 415 |
| Net interest margin | 2.4922% | 4,832 |
| Noninterest income to average assets | 0.2655% | 3,946 |
| Noninterest expense to average assets | 2.0498% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3913% | 4,155 |
| Return on assets (ROA) | 0.3913% | 4,189 |
| Pretax return on assets | 0.4472% | 4,212 |
| Return on Equity (ROE) | 2.4994% | 4,338 |
| Retained earnings to average equity (ytd only) | 2.4994% | 3,265 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0896% | 968 |
| Assets per employee ($millions) | 8.5097% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7816% | 4,452 |
| Loan loss allowance to noncurrent loans | 309.9099% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 3,987 |
| Noncurrent loans to loans | 0.2522% | 3,588 |
| Net loans and leases to total assets | 51.3144% | 4,163 |
| Net loans and leases to deposits | 67.1253% | 3,785 |
| Net loans and leases to core deposits | 83.3181% | 2,909 |
| Total domestic deposits to total assets | 76.4457% | 4,428 |
| Equity capital to assets | 15.5540% | 663 |
| Core capital (leverage) ratio | 15.8163% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3102% | 206 |
| Memoranda: | ||
| Average total assets | $85,862,500 | 4,185 |
| Average earning assets | $76,879,000 | 4,215 |
| Average equity | $13,443,000 | 3,839 |
| Average total loans | $44,266,500 | 4,273 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9482% | 4,354 |
| Cost of funding earning assets | 1.4102% | 543 |
| Net interest margin | 2.5379% | 4,952 |
| Noninterest income to average assets | 0.1387% | 4,782 |
| Noninterest expense to average assets | 2.0302% | 4,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3528% | 4,671 |
| Return on assets (ROA) | 0.3579% | 4,696 |
| Pretax return on assets | 0.3949% | 4,717 |
| Return on Equity (ROE) | 2.4213% | 4,752 |
| Retained earnings to average equity (ytd only) | 2.4213% | 3,815 |
| Net charge-offs to loans | 0.0133% | 3,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 1,000 |
| Efficiency ratio | 83.9112% | 658 |
| Assets per employee ($millions) | 8.6628% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7727% | 4,381 |
| Loan loss allowance to noncurrent loans | 190.0552% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 3,464 |
| Noncurrent loans to loans | 0.4065% | 2,982 |
| Net loans and leases to total assets | 50.9974% | 4,284 |
| Net loans and leases to deposits | 66.9891% | 3,897 |
| Net loans and leases to core deposits | 84.0989% | 2,937 |
| Total domestic deposits to total assets | 76.1278% | 4,584 |
| Equity capital to assets | 15.7570% | 647 |
| Core capital (leverage) ratio | 15.0952% | 666 |
| Tier 1 risk-based capital ratio | 32.8777% | 389 |
| Total risk-based capital ratio | 33.7890% | 390 |
| Memoranda: | ||
| Average total assets | $89,400,800 | 4,156 |
| Average earning assets | $80,341,400 | 4,180 |
| Average equity | $13,216,000 | 3,869 |
| Average total loans | $45,251,000 | 4,276 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 4,576 |
| Cost of funding earning assets | 1.3969% | 584 |
| Net interest margin | 2.4729% | 5,077 |
| Noninterest income to average assets | 0.1288% | 4,885 |
| Noninterest expense to average assets | 1.9475% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3706% | 4,769 |
| Return on assets (ROA) | 0.3774% | 4,783 |
| Pretax return on assets | 0.4129% | 4,795 |
| Return on Equity (ROE) | 2.5939% | 4,826 |
| Retained earnings to average equity (ytd only) | 2.5939% | 4,054 |
| Net charge-offs to loans | 0.0176% | 2,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 45.6650% | 1,258 |
| Efficiency ratio | 82.7673% | 701 |
| Assets per employee ($millions) | 8.9625% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7764% | 4,470 |
| Loan loss allowance to noncurrent loans | 219.1083% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 3,876 |
| Noncurrent loans to loans | 0.3543% | 3,273 |
| Net loans and leases to total assets | 49.0544% | 4,478 |
| Net loans and leases to deposits | 65.1613% | 4,117 |
| Net loans and leases to core deposits | 82.4040% | 3,219 |
| Total domestic deposits to total assets | 75.2815% | 4,717 |
| Equity capital to assets | 15.1498% | 808 |
| Core capital (leverage) ratio | 14.9205% | 755 |
| Tier 1 risk-based capital ratio | 32.6747% | 406 |
| Total risk-based capital ratio | 33.5994% | 408 |
| Memoranda: | ||
| Average total assets | $90,094,000 | 4,199 |
| Average earning assets | $81,035,750 | 4,221 |
| Average equity | $13,107,500 | 3,917 |
| Average total loans | $45,433,250 | 4,327 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8986% | 4,555 |
| Cost of funding earning assets | 1.3874% | 564 |
| Net interest margin | 2.5111% | 5,123 |
| Noninterest income to average assets | 0.1730% | 4,715 |
| Noninterest expense to average assets | 1.9779% | 4,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4255% | 4,688 |
| Return on assets (ROA) | 0.4213% | 4,721 |
| Pretax return on assets | 0.4501% | 4,764 |
| Return on Equity (ROE) | 2.9469% | 4,800 |
| Retained earnings to average equity (ytd only) | 2.9469% | 3,741 |
| Net charge-offs to loans | 0.0262% | 2,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 34.1667% | 1,362 |
| Efficiency ratio | 81.3127% | 849 |
| Assets per employee ($millions) | 8.9144% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7742% | 4,527 |
| Loan loss allowance to noncurrent loans | 819.0476% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 4,144 |
| Noncurrent loans to loans | 0.0945% | 4,258 |
| Net loans and leases to total assets | 49.4604% | 4,496 |
| Net loans and leases to deposits | 65.7770% | 4,114 |
| Net loans and leases to core deposits | 81.0079% | 3,340 |
| Total domestic deposits to total assets | 75.1941% | 4,751 |
| Equity capital to assets | 15.1104% | 782 |
| Core capital (leverage) ratio | 14.7718% | 756 |
| Tier 1 risk-based capital ratio | 32.5173% | 404 |
| Total risk-based capital ratio | 33.4177% | 408 |
| Memoranda: | ||
| Average total assets | $90,194,670 | 4,221 |
| Average earning assets | $81,158,330 | 4,244 |
| Average equity | $12,895,000 | 3,950 |
| Average total loans | $45,808,000 | 4,348 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9207% | 4,514 |
| Cost of funding earning assets | 1.3754% | 502 |
| Net interest margin | 2.5453% | 5,169 |
| Noninterest income to average assets | 0.1675% | 4,736 |
| Noninterest expense to average assets | 1.9797% | 4,680 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4541% | 4,632 |
| Return on assets (ROA) | 0.4541% | 4,648 |
| Pretax return on assets | 0.4806% | 4,726 |
| Return on Equity (ROE) | 3.2679% | 4,728 |
| Retained earnings to average equity (ytd only) | 3.2679% | 3,617 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4659% | 1,011 |
| Assets per employee ($millions) | 9.0225% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7540% | 4,654 |
| Loan loss allowance to noncurrent loans | 286.8852% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 3,760 |
| Noncurrent loans to loans | 0.2628% | 3,621 |
| Net loans and leases to total assets | 51.0590% | 4,400 |
| Net loans and leases to deposits | 67.5553% | 3,954 |
| Net loans and leases to core deposits | 83.2364% | 3,090 |
| Total domestic deposits to total assets | 75.5810% | 4,807 |
| Equity capital to assets | 14.2544% | 950 |
| Core capital (leverage) ratio | 14.4673% | 823 |
| Tier 1 risk-based capital ratio | 31.4710% | 428 |
| Total risk-based capital ratio | 32.3727% | 430 |
| Memoranda: | ||
| Average total assets | $90,720,000 | 4,251 |
| Average earning assets | $81,720,000 | 4,282 |
| Average equity | $12,607,500 | 3,995 |
| Average total loans | $46,494,500 | 4,374 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9081% | 4,258 |
| Cost of funding earning assets | 1.2828% | 237 |
| Net interest margin | 2.6252% | 5,143 |
| Noninterest income to average assets | 0.1675% | 4,888 |
| Noninterest expense to average assets | 2.1091% | 4,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3951% | 4,872 |
| Return on assets (ROA) | 0.3951% | 4,867 |
| Pretax return on assets | 0.4236% | 4,917 |
| Return on Equity (ROE) | 2.9458% | 4,907 |
| Retained earnings to average equity (ytd only) | 2.9458% | 3,929 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2757% | 695 |
| Assets per employee ($millions) | 9.1215% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7515% | 4,671 |
| Loan loss allowance to noncurrent loans | 291.6667% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 3,766 |
| Noncurrent loans to loans | 0.2577% | 3,654 |
| Net loans and leases to total assets | 50.6726% | 4,478 |
| Net loans and leases to deposits | 67.4946% | 4,009 |
| Net loans and leases to core deposits | 83.1104% | 3,168 |
| Total domestic deposits to total assets | 75.0765% | 4,862 |
| Equity capital to assets | 13.5438% | 1,125 |
| Core capital (leverage) ratio | 14.2876% | 845 |
| Tier 1 risk-based capital ratio | 30.4303% | 457 |
| Total risk-based capital ratio | 31.2696% | 468 |
| Memoranda: | ||
| Average total assets | $91,364,400 | 4,246 |
| Average earning assets | $82,317,000 | 4,276 |
| Average equity | $12,254,600 | 3,994 |
| Average total loans | $45,963,800 | 4,405 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7952% | 4,447 |
| Cost of funding earning assets | 1.2483% | 195 |
| Net interest margin | 2.5468% | 5,256 |
| Noninterest income to average assets | 0.1692% | 4,944 |
| Noninterest expense to average assets | 2.0874% | 4,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3603% | 5,009 |
| Return on assets (ROA) | 0.3603% | 5,009 |
| Pretax return on assets | 0.3764% | 5,056 |
| Return on Equity (ROE) | 2.6929% | 5,047 |
| Retained earnings to average equity (ytd only) | 2.6929% | 4,341 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7247% | 601 |
| Assets per employee ($millions) | 9.0915% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 4,729 |
| Loan loss allowance to noncurrent loans | 119.4539% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 2,897 |
| Noncurrent loans to loans | 0.6375% | 2,489 |
| Net loans and leases to total assets | 50.1677% | 4,583 |
| Net loans and leases to deposits | 66.4733% | 4,162 |
| Net loans and leases to core deposits | 81.6272% | 3,357 |
| Total domestic deposits to total assets | 75.4705% | 4,839 |
| Equity capital to assets | 13.3806% | 1,176 |
| Core capital (leverage) ratio | 14.1638% | 894 |
| Tier 1 risk-based capital ratio | 30.1254% | 472 |
| Total risk-based capital ratio | 30.9705% | 484 |
| Memoranda: | ||
| Average total assets | $91,401,750 | 4,290 |
| Average earning assets | $82,348,750 | 4,317 |
| Average equity | $12,229,750 | 4,034 |
| Average total loans | $45,812,000 | 4,459 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 4,468 |
| Cost of funding earning assets | 1.2161% | 173 |
| Net interest margin | 2.5339% | 5,322 |
| Noninterest income to average assets | 0.1638% | 5,008 |
| Noninterest expense to average assets | 2.0925% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3473% | 5,049 |
| Return on assets (ROA) | 0.3473% | 5,050 |
| Pretax return on assets | 0.3560% | 5,099 |
| Return on Equity (ROE) | 2.5956% | 5,081 |
| Retained earnings to average equity (ytd only) | 2.5956% | 4,217 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4594% | 600 |
| Assets per employee ($millions) | 9.1354% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7788% | 4,755 |
| Loan loss allowance to noncurrent loans | 123.6749% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 3,185 |
| Noncurrent loans to loans | 0.6297% | 2,534 |
| Net loans and leases to total assets | 48.8101% | 4,668 |
| Net loans and leases to deposits | 63.6191% | 4,302 |
| Net loans and leases to core deposits | 79.0547% | 3,495 |
| Total domestic deposits to total assets | 76.7224% | 4,767 |
| Equity capital to assets | 13.2802% | 1,193 |
| Core capital (leverage) ratio | 14.0485% | 902 |
| Tier 1 risk-based capital ratio | 30.1385% | 468 |
| Total risk-based capital ratio | 30.9945% | 479 |
| Memoranda: | ||
| Average total assets | $91,564,000 | 4,329 |
| Average earning assets | $82,559,670 | 4,353 |
| Average equity | $12,251,330 | 4,043 |
| Average total loans | $45,762,670 | 4,499 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 4,423 |
| Cost of funding earning assets | 1.2048% | 139 |
| Net interest margin | 2.5161% | 5,382 |
| Noninterest income to average assets | 0.1702% | 5,000 |
| Noninterest expense to average assets | 2.0596% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3622% | 4,993 |
| Return on assets (ROA) | 0.3622% | 4,998 |
| Pretax return on assets | 0.3796% | 5,061 |
| Return on Equity (ROE) | 2.6968% | 5,072 |
| Retained earnings to average equity (ytd only) | 2.6968% | 4,096 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4365% | 766 |
| Assets per employee ($millions) | 9.1338% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 4,872 |
| Loan loss allowance to noncurrent loans | 101.7442% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 2,709 |
| Noncurrent loans to loans | 0.7551% | 2,313 |
| Net loans and leases to total assets | 49.4942% | 4,595 |
| Net loans and leases to deposits | 63.1621% | 4,266 |
| Net loans and leases to core deposits | 79.3955% | 3,373 |
| Total domestic deposits to total assets | 78.3606% | 4,670 |
| Equity capital to assets | 13.2617% | 1,131 |
| Core capital (leverage) ratio | 13.9242% | 892 |
| Tier 1 risk-based capital ratio | 30.0354% | 471 |
| Total risk-based capital ratio | 30.8841% | 477 |
| Memoranda: | ||
| Average total assets | $91,669,000 | 4,376 |
| Average earning assets | $82,668,500 | 4,398 |
| Average equity | $12,311,000 | 4,074 |
| Average total loans | $46,174,000 | 4,531 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 3,788 |
| Cost of funding earning assets | 1.1698% | 84 |
| Net interest margin | 2.7103% | 5,268 |
| Noninterest income to average assets | 0.1689% | 5,110 |
| Noninterest expense to average assets | 1.9973% | 4,963 |
| Loan and lease loss provision to assets | 0.0406% | 3,454 |
| Net operating income to assets | 0.4095% | 4,657 |
| Return on assets (ROA) | 0.4042% | 4,698 |
| Pretax return on assets | 0.5710% | 4,804 |
| Return on Equity (ROE) | 3.0377% | 4,819 |
| Retained earnings to average equity (ytd only) | 3.0377% | 3,486 |
| Net charge-offs to loans | 0.2271% | 1,139 |
| Credit loss provision to net charge-offs | 35.1852% | 3,487 |
| Earnings coverage of net charge-offs (x) | 5.3611% | 3,343 |
| Efficiency ratio | 76.3384% | 1,569 |
| Assets per employee ($millions) | 9.2043% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 4,959 |
| Loan loss allowance to noncurrent loans | 795.4545% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 4,065 |
| Noncurrent loans to loans | 0.0940% | 4,568 |
| Net loans and leases to total assets | 50.4558% | 4,621 |
| Net loans and leases to deposits | 65.0844% | 4,254 |
| Net loans and leases to core deposits | 81.1423% | 3,321 |
| Total domestic deposits to total assets | 77.5235% | 4,790 |
| Equity capital to assets | 13.6371% | 1,007 |
| Core capital (leverage) ratio | 13.5702% | 941 |
| Tier 1 risk-based capital ratio | 29.1787% | 490 |
| Total risk-based capital ratio | 30.0361% | 500 |
| Memoranda: | ||
| Average total assets | $93,525,400 | 4,357 |
| Average earning assets | $84,457,000 | 4,390 |
| Average equity | $12,443,800 | 4,064 |
| Average total loans | $47,564,200 | 4,524 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8023% | 4,008 |
| Cost of funding earning assets | 1.1474% | 90 |
| Net interest margin | 2.6548% | 5,367 |
| Noninterest income to average assets | 0.1661% | 5,186 |
| Noninterest expense to average assets | 1.9070% | 5,123 |
| Loan and lease loss provision to assets | 0.0270% | 3,591 |
| Net operating income to assets | 0.5381% | 4,624 |
| Return on assets (ROA) | 0.5296% | 4,686 |
| Pretax return on assets | 0.6205% | 4,801 |
| Return on Equity (ROE) | 4.0052% | 4,851 |
| Retained earnings to average equity (ytd only) | 4.0052% | 3,539 |
| Net charge-offs to loans | 0.1368% | 1,428 |
| Credit loss provision to net charge-offs | 38.7755% | 3,003 |
| Earnings coverage of net charge-offs (x) | 9.4493% | 2,690 |
| Efficiency ratio | 74.3632% | 1,838 |
| Assets per employee ($millions) | 9.3350% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 4,832 |
| Loan loss allowance to noncurrent loans | 709.0909% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 3,921 |
| Noncurrent loans to loans | 0.1161% | 4,595 |
| Net loans and leases to total assets | 50.3321% | 4,674 |
| Net loans and leases to deposits | 64.8382% | 4,332 |
| Net loans and leases to core deposits | 80.8984% | 3,381 |
| Total domestic deposits to total assets | 77.6272% | 4,780 |
| Equity capital to assets | 13.6711% | 1,092 |
| Core capital (leverage) ratio | 13.5091% | 1,022 |
| Tier 1 risk-based capital ratio | 28.8008% | 531 |
| Total risk-based capital ratio | 29.7446% | 536 |
| Memoranda: | ||
| Average total assets | $93,896,000 | 4,386 |
| Average earning assets | $84,823,750 | 4,423 |
| Average equity | $12,416,750 | 4,109 |
| Average total loans | $47,757,500 | 4,566 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 3,785 |
| Cost of funding earning assets | 1.1325% | 85 |
| Net interest margin | 2.6982% | 5,361 |
| Noninterest income to average assets | 0.1616% | 5,247 |
| Noninterest expense to average assets | 1.8623% | 5,237 |
| Loan and lease loss provision to assets | 0.0404% | 3,200 |
| Net operating income to assets | 0.5867% | 4,363 |
| Return on assets (ROA) | 0.5867% | 4,417 |
| Pretax return on assets | 0.6952% | 4,561 |
| Return on Equity (ROE) | 4.4872% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.4872% | 3,042 |
| Net charge-offs to loans | 0.2047% | 988 |
| Credit loss provision to net charge-offs | 38.7755% | 2,653 |
| Earnings coverage of net charge-offs (x) | 7.0612% | 2,646 |
| Efficiency ratio | 71.6858% | 2,399 |
| Assets per employee ($millions) | 10.3743% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8201% | 4,894 |
| Loan loss allowance to noncurrent loans | 397.9592% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 3,798 |
| Noncurrent loans to loans | 0.2061% | 4,297 |
| Net loans and leases to total assets | 50.5136% | 4,672 |
| Net loans and leases to deposits | 64.9705% | 4,305 |
| Net loans and leases to core deposits | 79.6474% | 3,446 |
| Total domestic deposits to total assets | 77.7485% | 4,856 |
| Equity capital to assets | 13.5784% | 1,117 |
| Core capital (leverage) ratio | 13.3518% | 1,036 |
| Tier 1 risk-based capital ratio | 28.7421% | 510 |
| Total risk-based capital ratio | 29.6798% | 514 |
| Memoranda: | ||
| Average total assets | $94,078,000 | 4,412 |
| Average earning assets | $84,945,670 | 4,446 |
| Average equity | $12,301,670 | 4,143 |
| Average total loans | $47,885,000 | 4,586 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8785% | 3,471 |
| Cost of funding earning assets | 1.1129% | 90 |
| Net interest margin | 2.7657% | 5,311 |
| Noninterest income to average assets | 0.1610% | 5,311 |
| Noninterest expense to average assets | 1.8595% | 5,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6862% | 3,763 |
| Return on assets (ROA) | 0.6862% | 3,798 |
| Pretax return on assets | 0.7963% | 4,123 |
| Return on Equity (ROE) | 5.3494% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.3494% | 2,704 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0159% | 2,888 |
| Assets per employee ($millions) | 10.5224% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 4,860 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4435% | 3,418 |
| Noncurrent loans to loans | 0.8709% | 2,292 |
| Net loans and leases to total assets | 50.4815% | 4,633 |
| Net loans and leases to deposits | 64.7440% | 4,270 |
| Net loans and leases to core deposits | 79.2583% | 3,358 |
| Total domestic deposits to total assets | 77.9709% | 4,967 |
| Equity capital to assets | 12.9406% | 1,280 |
| Core capital (leverage) ratio | 13.1905% | 1,070 |
| Tier 1 risk-based capital ratio | 28.0307% | 561 |
| Total risk-based capital ratio | 29.0250% | 564 |
| Memoranda: | ||
| Average total assets | $94,432,500 | 4,452 |
| Average earning assets | $85,186,500 | 4,494 |
| Average equity | $12,113,500 | 4,196 |
| Average total loans | $48,050,500 | 4,624 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8370% | 3,782 |
| Cost of funding earning assets | 1.1522% | 66 |
| Net interest margin | 2.6849% | 5,436 |
| Noninterest income to average assets | 0.1461% | 5,466 |
| Noninterest expense to average assets | 1.9221% | 5,329 |
| Loan and lease loss provision to assets | 0.0159% | 4,056 |
| Net operating income to assets | 0.5102% | 4,588 |
| Return on assets (ROA) | 0.4935% | 4,734 |
| Pretax return on assets | 0.5941% | 4,803 |
| Return on Equity (ROE) | 3.8870% | 4,875 |
| Retained earnings to average equity (ytd only) | 3.8870% | 3,156 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3112% | 2,092 |
| Assets per employee ($millions) | 10.4563% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 4,866 |
| Loan loss allowance to noncurrent loans | 195.3488% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 4,393 |
| Noncurrent loans to loans | 0.4491% | 3,540 |
| Net loans and leases to total assets | 50.4256% | 4,735 |
| Net loans and leases to deposits | 64.5281% | 4,365 |
| Net loans and leases to core deposits | 79.3519% | 3,451 |
| Total domestic deposits to total assets | 78.1451% | 4,958 |
| Equity capital to assets | 12.6622% | 1,418 |
| Core capital (leverage) ratio | 12.9736% | 1,142 |
| Tier 1 risk-based capital ratio | 27.7556% | 579 |
| Total risk-based capital ratio | 28.7870% | 577 |
| Memoranda: | ||
| Average total assets | $94,427,600 | 4,458 |
| Average earning assets | $84,622,400 | 4,505 |
| Average equity | $11,988,600 | 4,252 |
| Average total loans | $47,827,200 | 4,641 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 3,674 |
| Cost of funding earning assets | 1.1503% | 68 |
| Net interest margin | 2.7245% | 5,460 |
| Noninterest income to average assets | 0.2088% | 5,218 |
| Noninterest expense to average assets | 1.8778% | 5,419 |
| Loan and lease loss provision to assets | 0.0212% | 3,815 |
| Net operating income to assets | 0.5838% | 4,357 |
| Return on assets (ROA) | 0.5629% | 4,549 |
| Pretax return on assets | 0.7223% | 4,547 |
| Return on Equity (ROE) | 4.4308% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.4308% | 3,176 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9110% | 2,758 |
| Assets per employee ($millions) | 10.5262% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 4,914 |
| Loan loss allowance to noncurrent loans | 1,076.9231% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 4,613 |
| Noncurrent loans to loans | 0.0823% | 5,024 |
| Net loans and leases to total assets | 49.5947% | 4,849 |
| Net loans and leases to deposits | 64.6886% | 4,434 |
| Net loans and leases to core deposits | 78.9554% | 3,557 |
| Total domestic deposits to total assets | 76.6667% | 5,140 |
| Equity capital to assets | 13.1925% | 1,392 |
| Core capital (leverage) ratio | 12.9053% | 1,225 |
| Tier 1 risk-based capital ratio | 27.7560% | 594 |
| Total risk-based capital ratio | 28.7432% | 598 |
| Memoranda: | ||
| Average total assets | $94,507,750 | 4,495 |
| Average earning assets | $84,612,750 | 4,540 |
| Average equity | $12,006,750 | 4,291 |
| Average total loans | $47,815,500 | 4,676 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9602% | 3,382 |
| Cost of funding earning assets | 1.1511% | 68 |
| Net interest margin | 2.8091% | 5,411 |
| Noninterest income to average assets | 0.2097% | 5,240 |
| Noninterest expense to average assets | 1.8786% | 5,495 |
| Loan and lease loss provision to assets | 0.0318% | 3,497 |
| Net operating income to assets | 0.6089% | 4,229 |
| Return on assets (ROA) | 0.6502% | 4,188 |
| Pretax return on assets | 0.8662% | 4,063 |
| Return on Equity (ROE) | 5.1845% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.1845% | 2,609 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0272% | 3,144 |
| Assets per employee ($millions) | 10.5162% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 5,002 |
| Loan loss allowance to noncurrent loans | 1,448.2759% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 4,707 |
| Noncurrent loans to loans | 0.0611% | 5,202 |
| Net loans and leases to total assets | 49.6735% | 4,863 |
| Net loans and leases to deposits | 64.6738% | 4,444 |
| Net loans and leases to core deposits | 78.9382% | 3,558 |
| Total domestic deposits to total assets | 76.8062% | 5,183 |
| Equity capital to assets | 13.0423% | 1,478 |
| Core capital (leverage) ratio | 12.7349% | 1,261 |
| Tier 1 risk-based capital ratio | 27.0930% | 643 |
| Total risk-based capital ratio | 28.0346% | 650 |
| Memoranda: | ||
| Average total assets | $94,431,670 | 4,534 |
| Average earning assets | $84,440,670 | 4,579 |
| Average equity | $11,843,000 | 4,345 |
| Average total loans | $47,952,670 | 4,715 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1044% | 2,828 |
| Cost of funding earning assets | 1.1544% | 69 |
| Net interest margin | 2.9500% | 5,219 |
| Noninterest income to average assets | 0.2120% | 5,216 |
| Noninterest expense to average assets | 1.8277% | 5,617 |
| Loan and lease loss provision to assets | 0.0636% | 2,681 |
| Net operating income to assets | 0.6721% | 3,869 |
| Return on assets (ROA) | 0.7167% | 3,746 |
| Pretax return on assets | 1.0178% | 3,412 |
| Return on Equity (ROE) | 5.8314% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.8314% | 2,453 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2325% | 4,086 |
| Assets per employee ($millions) | 10.5072% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 5,136 |
| Loan loss allowance to noncurrent loans | 208.9552% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 3,850 |
| Noncurrent loans to loans | 0.4188% | 3,939 |
| Net loans and leases to total assets | 50.3146% | 4,777 |
| Net loans and leases to deposits | 64.9982% | 4,344 |
| Net loans and leases to core deposits | 79.2366% | 3,390 |
| Total domestic deposits to total assets | 77.4092% | 5,230 |
| Equity capital to assets | 12.4105% | 1,738 |
| Core capital (leverage) ratio | 12.6298% | 1,295 |
| Tier 1 risk-based capital ratio | 26.3454% | 712 |
| Total risk-based capital ratio | 27.2717% | 717 |
| Memoranda: | ||
| Average total assets | $94,324,500 | 4,569 |
| Average earning assets | $84,202,500 | 4,614 |
| Average equity | $11,592,500 | 4,402 |
| Average total loans | $48,212,000 | 4,731 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8616% | 3,841 |
| Cost of funding earning assets | 1.2489% | 43 |
| Net interest margin | 2.6126% | 5,743 |
| Noninterest income to average assets | 0.1656% | 5,592 |
| Noninterest expense to average assets | 2.0112% | 5,431 |
| Loan and lease loss provision to assets | 0.0972% | 2,369 |
| Net operating income to assets | 0.3973% | 5,060 |
| Return on assets (ROA) | 0.2638% | 5,529 |
| Pretax return on assets | 0.2585% | 5,602 |
| Return on Equity (ROE) | 2.1332% | 5,538 |
| Retained earnings to average equity (ytd only) | 2.1332% | 4,504 |
| Net charge-offs to loans | 0.0768% | 2,726 |
| Credit loss provision to net charge-offs | 252.7778% | 1,144 |
| Earnings coverage of net charge-offs (x) | 12.7222% | 2,436 |
| Efficiency ratio | 80.4357% | 1,618 |
| Assets per employee ($millions) | 10.4537% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8364% | 5,312 |
| Loan loss allowance to noncurrent loans | 84.1996% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 2,860 |
| Noncurrent loans to loans | 0.9933% | 2,352 |
| Net loans and leases to total assets | 51.0390% | 4,774 |
| Net loans and leases to deposits | 66.1501% | 4,305 |
| Net loans and leases to core deposits | 80.7666% | 3,269 |
| Total domestic deposits to total assets | 77.1563% | 5,290 |
| Equity capital to assets | 12.1680% | 1,834 |
| Core capital (leverage) ratio | 12.5406% | 1,330 |
| Tier 1 risk-based capital ratio | 25.6027% | 767 |
| Total risk-based capital ratio | 26.4823% | 783 |
| Memoranda: | ||
| Average total assets | $93,623,800 | 4,592 |
| Average earning assets | $83,670,400 | 4,640 |
| Average equity | $11,579,000 | 4,374 |
| Average total loans | $46,895,000 | 4,760 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9090% | 3,717 |
| Cost of funding earning assets | 1.2642% | 45 |
| Net interest margin | 2.6448% | 5,791 |
| Noninterest income to average assets | 0.1526% | 5,723 |
| Noninterest expense to average assets | 2.0233% | 5,435 |
| Loan and lease loss provision to assets | 0.1084% | 2,071 |
| Net operating income to assets | 0.3641% | 5,280 |
| Return on assets (ROA) | 0.3950% | 5,273 |
| Pretax return on assets | 0.4192% | 5,426 |
| Return on Equity (ROE) | 3.1806% | 5,325 |
| Retained earnings to average equity (ytd only) | 3.1806% | 4,201 |
| Net charge-offs to loans | 0.0315% | 3,292 |
| Credit loss provision to net charge-offs | 690.9091% | 491 |
| Earnings coverage of net charge-offs (x) | 31.5378% | 1,455 |
| Efficiency ratio | 80.3511% | 1,609 |
| Assets per employee ($millions) | 10.3627% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 5,209 |
| Loan loss allowance to noncurrent loans | 241.2791% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 4,371 |
| Noncurrent loans to loans | 0.3725% | 4,280 |
| Net loans and leases to total assets | 49.0618% | 5,012 |
| Net loans and leases to deposits | 62.6542% | 4,669 |
| Net loans and leases to core deposits | 76.0803% | 3,795 |
| Total domestic deposits to total assets | 78.3057% | 5,127 |
| Equity capital to assets | 12.4796% | 1,753 |
| Core capital (leverage) ratio | 12.6396% | 1,345 |
| Tier 1 risk-based capital ratio | 26.0465% | 759 |
| Total risk-based capital ratio | 26.9579% | 784 |
| Memoranda: | ||
| Average total assets | $93,509,000 | 4,641 |
| Average earning assets | $83,633,250 | 4,703 |
| Average equity | $11,611,750 | 4,425 |
| Average total loans | $46,512,750 | 4,826 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 3,514 |
| Cost of funding earning assets | 1.2664% | 44 |
| Net interest margin | 2.6786% | 5,793 |
| Noninterest income to average assets | 0.1239% | 5,931 |
| Noninterest expense to average assets | 2.0472% | 5,446 |
| Loan and lease loss provision to assets | 0.1282% | 1,730 |
| Net operating income to assets | 0.3590% | 5,262 |
| Return on assets (ROA) | 0.4082% | 5,219 |
| Pretax return on assets | 0.3932% | 5,478 |
| Return on Equity (ROE) | 3.2923% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.2923% | 3,951 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2553% | 1,590 |
| Assets per employee ($millions) | 10.4531% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 5,308 |
| Loan loss allowance to noncurrent loans | 227.7778% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 4,423 |
| Noncurrent loans to loans | 0.3940% | 4,299 |
| Net loans and leases to total assets | 48.1228% | 5,095 |
| Net loans and leases to deposits | 62.1540% | 4,692 |
| Net loans and leases to core deposits | 76.0584% | 3,760 |
| Total domestic deposits to total assets | 77.4251% | 5,386 |
| Equity capital to assets | 12.3855% | 1,738 |
| Core capital (leverage) ratio | 12.5797% | 1,341 |
| Tier 1 risk-based capital ratio | 25.9499% | 784 |
| Total risk-based capital ratio | 26.8530% | 797 |
| Memoranda: | ||
| Average total assets | $93,590,670 | 4,687 |
| Average earning assets | $83,701,000 | 4,742 |
| Average equity | $11,602,670 | 4,452 |
| Average total loans | $46,626,330 | 4,866 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0643% | 2,973 |
| Cost of funding earning assets | 1.2749% | 44 |
| Net interest margin | 2.7894% | 5,667 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 2.0311% | 5,520 |
| Loan and lease loss provision to assets | 0.1500% | 1,358 |
| Net operating income to assets | 0.3428% | 5,271 |
| Return on assets (ROA) | 0.4414% | 5,028 |
| Pretax return on assets | 0.4114% | 5,407 |
| Return on Equity (ROE) | 3.5585% | 5,158 |
| Retained earnings to average equity (ytd only) | 3.5585% | 3,869 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4433% | 1,698 |
| Assets per employee ($millions) | 9.4252% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8087% | 5,678 |
| Loan loss allowance to noncurrent loans | 96.2500% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 4,077 |
| Noncurrent loans to loans | 0.8402% | 3,146 |
| Net loans and leases to total assets | 50.0997% | 4,840 |
| Net loans and leases to deposits | 65.6828% | 4,185 |
| Net loans and leases to core deposits | 80.0692% | 3,155 |
| Total domestic deposits to total assets | 76.2753% | 5,706 |
| Equity capital to assets | 12.3944% | 1,760 |
| Core capital (leverage) ratio | 12.5824% | 1,327 |
| Tier 1 risk-based capital ratio | 26.0532% | 780 |
| Total risk-based capital ratio | 26.9100% | 802 |
| Memoranda: | ||
| Average total assets | $93,347,000 | 4,742 |
| Average earning assets | $83,459,000 | 4,786 |
| Average equity | $11,578,000 | 4,492 |
| Average total loans | $47,098,000 | 4,882 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 4,127 |
| Cost of funding earning assets | 1.3339% | 46 |
| Net interest margin | 2.5625% | 6,103 |
| Noninterest income to average assets | 0.1177% | 6,095 |
| Noninterest expense to average assets | 2.0388% | 5,698 |
| Loan and lease loss provision to assets | 0.0600% | 3,328 |
| Net operating income to assets | 0.2630% | 5,616 |
| Return on assets (ROA) | 0.2726% | 5,665 |
| Pretax return on assets | 0.3391% | 5,627 |
| Return on Equity (ROE) | 2.2136% | 5,717 |
| Retained earnings to average equity (ytd only) | 2.2136% | 4,673 |
| Net charge-offs to loans | 0.1213% | 2,819 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 6.4545% | 3,194 |
| Efficiency ratio | 84.0449% | 1,405 |
| Assets per employee ($millions) | 9.2444% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 5,879 |
| Loan loss allowance to noncurrent loans | 67.9612% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 0.7064% | 3,452 |
| Noncurrent loans to loans | 1.1054% | 2,619 |
| Net loans and leases to total assets | 50.0206% | 4,976 |
| Net loans and leases to deposits | 66.0152% | 4,324 |
| Net loans and leases to core deposits | 79.2436% | 3,384 |
| Total domestic deposits to total assets | 75.7713% | 5,769 |
| Equity capital to assets | 12.4140% | 1,695 |
| Core capital (leverage) ratio | 12.1510% | 1,532 |
| Tier 1 risk-based capital ratio | 25.3227% | 810 |
| Total risk-based capital ratio | 26.1154% | 834 |
| Memoranda: | ||
| Average total assets | $91,721,200 | 4,793 |
| Average earning assets | $82,614,000 | 4,833 |
| Average equity | $11,293,800 | 4,498 |
| Average total loans | $45,334,000 | 4,986 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9103% | 4,133 |
| Cost of funding earning assets | 1.3518% | 45 |
| Net interest margin | 2.5585% | 6,172 |
| Noninterest income to average assets | 0.1049% | 6,233 |
| Noninterest expense to average assets | 2.0304% | 5,719 |
| Loan and lease loss provision to assets | 0.0583% | 3,205 |
| Net operating income to assets | 0.2498% | 5,737 |
| Return on assets (ROA) | 0.2622% | 5,771 |
| Pretax return on assets | 0.3423% | 5,691 |
| Return on Equity (ROE) | 2.1336% | 5,806 |
| Retained earnings to average equity (ytd only) | 2.1336% | 4,988 |
| Net charge-offs to loans | 0.1629% | 2,169 |
| Credit loss provision to net charge-offs | 72.7273% | 2,720 |
| Earnings coverage of net charge-offs (x) | 4.8001% | 3,379 |
| Efficiency ratio | 84.0772% | 1,382 |
| Assets per employee ($millions) | 9.1569% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7322% | 6,036 |
| Loan loss allowance to noncurrent loans | 84.1709% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 4,089 |
| Noncurrent loans to loans | 0.8699% | 3,391 |
| Net loans and leases to total assets | 49.6008% | 5,047 |
| Net loans and leases to deposits | 64.5138% | 4,482 |
| Net loans and leases to core deposits | 76.7900% | 3,657 |
| Total domestic deposits to total assets | 76.8841% | 5,695 |
| Equity capital to assets | 12.5141% | 1,688 |
| Core capital (leverage) ratio | 12.2263% | 1,561 |
| Tier 1 risk-based capital ratio | 26.5975% | 739 |
| Total risk-based capital ratio | 27.3968% | 754 |
| Memoranda: | ||
| Average total assets | $91,540,500 | 4,853 |
| Average earning assets | $82,651,750 | 4,882 |
| Average equity | $11,248,250 | 4,544 |
| Average total loans | $45,019,750 | 5,048 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 3,960 |
| Cost of funding earning assets | 1.3514% | 45 |
| Net interest margin | 2.5914% | 6,181 |
| Noninterest income to average assets | 0.1814% | 5,860 |
| Noninterest expense to average assets | 2.0452% | 5,736 |
| Loan and lease loss provision to assets | 0.0546% | 3,207 |
| Net operating income to assets | 0.3212% | 5,491 |
| Return on assets (ROA) | 0.3212% | 5,570 |
| Pretax return on assets | 0.4195% | 5,500 |
| Return on Equity (ROE) | 2.6302% | 5,652 |
| Retained earnings to average equity (ytd only) | 2.6302% | 4,528 |
| Net charge-offs to loans | 0.2010% | 1,822 |
| Credit loss provision to net charge-offs | 55.5556% | 2,705 |
| Earnings coverage of net charge-offs (x) | 4.8222% | 3,037 |
| Efficiency ratio | 81.1795% | 1,856 |
| Assets per employee ($millions) | 9.2722% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7282% | 6,130 |
| Loan loss allowance to noncurrent loans | 102.8037% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 4,536 |
| Noncurrent loans to loans | 0.7083% | 3,938 |
| Net loans and leases to total assets | 48.5214% | 5,127 |
| Net loans and leases to deposits | 64.0637% | 4,491 |
| Net loans and leases to core deposits | 76.7250% | 3,557 |
| Total domestic deposits to total assets | 75.7393% | 5,944 |
| Equity capital to assets | 12.3584% | 1,734 |
| Core capital (leverage) ratio | 12.0561% | 1,622 |
| Tier 1 risk-based capital ratio | 25.9619% | 779 |
| Total risk-based capital ratio | 26.7665% | 802 |
| Memoranda: | ||
| Average total assets | $91,531,000 | 4,888 |
| Average earning assets | $82,581,000 | 4,918 |
| Average equity | $11,178,000 | 4,563 |
| Average total loans | $44,775,000 | 5,085 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 3,272 |
| Cost of funding earning assets | 1.3609% | 49 |
| Net interest margin | 2.7414% | 6,044 |
| Noninterest income to average assets | 0.2595% | 5,282 |
| Noninterest expense to average assets | 2.0278% | 5,832 |
| Loan and lease loss provision to assets | 0.0660% | 2,805 |
| Net operating income to assets | 0.4927% | 4,723 |
| Return on assets (ROA) | 0.4927% | 4,803 |
| Pretax return on assets | 0.6290% | 4,728 |
| Return on Equity (ROE) | 4.0589% | 5,002 |
| Retained earnings to average equity (ytd only) | 4.0589% | 3,678 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4750% | 3,053 |
| Assets per employee ($millions) | 9.1932% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 6,055 |
| Loan loss allowance to noncurrent loans | 264.4928% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 4,663 |
| Noncurrent loans to loans | 0.3108% | 5,171 |
| Net loans and leases to total assets | 47.8952% | 5,145 |
| Net loans and leases to deposits | 63.1876% | 4,411 |
| Net loans and leases to core deposits | 75.4731% | 3,466 |
| Total domestic deposits to total assets | 75.7984% | 6,094 |
| Equity capital to assets | 12.1677% | 1,766 |
| Core capital (leverage) ratio | 11.9517% | 1,678 |
| Tier 1 risk-based capital ratio | 24.9594% | 895 |
| Total risk-based capital ratio | 25.8210% | 910 |
| Memoranda: | ||
| Average total assets | $90,935,500 | 4,941 |
| Average earning assets | $81,711,500 | 4,987 |
| Average equity | $11,037,500 | 4,603 |
| Average total loans | $44,502,500 | 5,145 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9209% | 4,383 |
| Cost of funding earning assets | 1.5360% | 46 |
| Net interest margin | 2.3849% | 6,462 |
| Noninterest income to average assets | -0.0698% | 6,711 |
| Noninterest expense to average assets | 2.0162% | 6,002 |
| Loan and lease loss provision to assets | 0.0886% | 3,338 |
| Net operating income to assets | -0.0492% | 6,253 |
| Return on assets (ROA) | 0.0819% | 6,128 |
| Pretax return on assets | 0.1827% | 5,974 |
| Return on Equity (ROE) | 0.6576% | 6,140 |
| Retained earnings to average equity (ytd only) | 0.6576% | 5,538 |
| Net charge-offs to loans | 0.1714% | 3,112 |
| Credit loss provision to net charge-offs | 106.6667% | 2,260 |
| Earnings coverage of net charge-offs (x) | 0.8000% | 4,817 |
| Efficiency ratio | 96.8102% | 595 |
| Assets per employee ($millions) | 8.9939% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 6,204 |
| Loan loss allowance to noncurrent loans | 182.2917% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 4,163 |
| Noncurrent loans to loans | 0.4304% | 4,918 |
| Net loans and leases to total assets | 49.2100% | 5,173 |
| Net loans and leases to deposits | 65.1069% | 4,399 |
| Net loans and leases to core deposits | 78.1464% | 3,338 |
| Total domestic deposits to total assets | 75.5835% | 6,130 |
| Equity capital to assets | 12.1071% | 1,740 |
| Core capital (leverage) ratio | 11.9659% | 1,632 |
| Tier 1 risk-based capital ratio | 25.0311% | 848 |
| Total risk-based capital ratio | 25.8725% | 882 |
| Memoranda: | ||
| Average total assets | $90,318,600 | 4,973 |
| Average earning assets | $81,511,200 | 5,001 |
| Average equity | $11,252,400 | 4,590 |
| Average total loans | $43,744,600 | 5,206 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0225% | 4,045 |
| Cost of funding earning assets | 1.5578% | 45 |
| Net interest margin | 2.4647% | 6,458 |
| Noninterest income to average assets | -0.0162% | 6,772 |
| Noninterest expense to average assets | 1.9126% | 6,166 |
| Loan and lease loss provision to assets | 0.0885% | 3,291 |
| Net operating income to assets | 0.1481% | 6,041 |
| Return on assets (ROA) | 0.2831% | 5,777 |
| Pretax return on assets | 0.4011% | 5,619 |
| Return on Equity (ROE) | 2.2568% | 5,860 |
| Retained earnings to average equity (ytd only) | 2.2568% | 4,966 |
| Net charge-offs to loans | 0.2297% | 2,429 |
| Credit loss provision to net charge-offs | 80.0000% | 2,849 |
| Earnings coverage of net charge-offs (x) | 2.7066% | 3,934 |
| Efficiency ratio | 86.4667% | 1,321 |
| Assets per employee ($millions) | 10.0447% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 6,366 |
| Loan loss allowance to noncurrent loans | 107.8431% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.9414% | 3,785 |
| Noncurrent loans to loans | 0.6965% | 4,458 |
| Net loans and leases to total assets | 48.2301% | 5,326 |
| Net loans and leases to deposits | 63.3901% | 4,581 |
| Net loans and leases to core deposits | 75.8094% | 3,637 |
| Total domestic deposits to total assets | 76.0846% | 6,158 |
| Equity capital to assets | 12.1823% | 1,800 |
| Core capital (leverage) ratio | 12.0263% | 1,655 |
| Tier 1 risk-based capital ratio | 24.6043% | 924 |
| Total risk-based capital ratio | 25.3569% | 970 |
| Memoranda: | ||
| Average total assets | $90,413,500 | 5,028 |
| Average earning assets | $81,737,750 | 5,034 |
| Average equity | $11,343,250 | 4,621 |
| Average total loans | $43,528,500 | 5,260 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 3,928 |
| Cost of funding earning assets | 1.5659% | 46 |
| Net interest margin | 2.4820% | 6,467 |
| Noninterest income to average assets | -0.0022% | 6,809 |
| Noninterest expense to average assets | 1.9089% | 6,202 |
| Loan and lease loss provision to assets | 0.0708% | 3,618 |
| Net operating income to assets | 0.1974% | 5,899 |
| Return on assets (ROA) | 0.3628% | 5,532 |
| Pretax return on assets | 0.4888% | 5,412 |
| Return on Equity (ROE) | 2.8638% | 5,677 |
| Retained earnings to average equity (ytd only) | 2.8638% | 4,491 |
| Net charge-offs to loans | 0.2627% | 2,153 |
| Credit loss provision to net charge-offs | 56.1404% | 3,096 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,627 |
| Efficiency ratio | 85.0246% | 1,527 |
| Assets per employee ($millions) | 10.1317% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7381% | 6,450 |
| Loan loss allowance to noncurrent loans | 96.3855% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 4,170 |
| Noncurrent loans to loans | 0.7658% | 4,387 |
| Net loans and leases to total assets | 47.1920% | 5,408 |
| Net loans and leases to deposits | 61.2128% | 4,834 |
| Net loans and leases to core deposits | 72.9987% | 3,929 |
| Total domestic deposits to total assets | 77.0949% | 6,115 |
| Equity capital to assets | 12.3441% | 1,678 |
| Core capital (leverage) ratio | 11.9642% | 1,635 |
| Tier 1 risk-based capital ratio | 24.2727% | 966 |
| Total risk-based capital ratio | 24.9888% | 1,012 |
| Memoranda: | ||
| Average total assets | $90,417,330 | 5,054 |
| Average earning assets | $81,871,000 | 5,055 |
| Average equity | $11,453,330 | 4,636 |
| Average total loans | $43,394,330 | 5,288 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1003% | 3,727 |
| Cost of funding earning assets | 1.5951% | 43 |
| Net interest margin | 2.5052% | 6,504 |
| Noninterest income to average assets | 0.0578% | 6,705 |
| Noninterest expense to average assets | 1.8837% | 6,302 |
| Loan and lease loss provision to assets | 0.0666% | 3,524 |
| Net operating income to assets | 0.2977% | 5,577 |
| Return on assets (ROA) | 0.2977% | 5,701 |
| Pretax return on assets | 0.3821% | 5,623 |
| Return on Equity (ROE) | 2.3199% | 5,841 |
| Retained earnings to average equity (ytd only) | 2.3199% | 4,867 |
| Net charge-offs to loans | 0.1106% | 2,771 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 8.4167% | 1,948 |
| Efficiency ratio | 80.7619% | 2,215 |
| Assets per employee ($millions) | 10.0847% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 6,445 |
| Loan loss allowance to noncurrent loans | 40.7494% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 1.0786% | 3,774 |
| Noncurrent loans to loans | 1.9850% | 2,636 |
| Net loans and leases to total assets | 47.0186% | 5,330 |
| Net loans and leases to deposits | 61.0961% | 4,674 |
| Net loans and leases to core deposits | 72.7448% | 3,734 |
| Total domestic deposits to total assets | 76.9584% | 6,256 |
| Equity capital to assets | 12.8137% | 1,522 |
| Core capital (leverage) ratio | 12.0096% | 1,556 |
| Tier 1 risk-based capital ratio | 23.0923% | 1,146 |
| Total risk-based capital ratio | 23.8332% | 1,207 |
| Memoranda: | ||
| Average total assets | $90,033,500 | 5,096 |
| Average earning assets | $81,750,500 | 5,094 |
| Average equity | $11,552,000 | 4,661 |
| Average total loans | $43,415,500 | 5,321 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2586% | 4,373 |
| Cost of funding earning assets | 1.7854% | 54 |
| Net interest margin | 2.4732% | 6,728 |
| Noninterest income to average assets | -0.1220% | 6,932 |
| Noninterest expense to average assets | 1.9312% | 6,455 |
| Loan and lease loss provision to assets | 0.1846% | 3,330 |
| Net operating income to assets | -0.0298% | 6,214 |
| Return on assets (ROA) | 0.0347% | 6,255 |
| Pretax return on assets | 0.1041% | 6,154 |
| Return on Equity (ROE) | 0.2738% | 6,270 |
| Retained earnings to average equity (ytd only) | 0.2738% | 5,720 |
| Net charge-offs to loans | 0.1612% | 4,094 |
| Credit loss provision to net charge-offs | 235.7143% | 1,051 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 4,210 |
| Efficiency ratio | 91.1299% | 977 |
| Assets per employee ($millions) | 9.9228% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 6,508 |
| Loan loss allowance to noncurrent loans | 38.7640% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 1.0347% | 3,963 |
| Noncurrent loans to loans | 2.0316% | 2,664 |
| Net loans and leases to total assets | 48.6680% | 5,344 |
| Net loans and leases to deposits | 63.3812% | 4,619 |
| Net loans and leases to core deposits | 75.0488% | 3,654 |
| Total domestic deposits to total assets | 76.7863% | 6,254 |
| Equity capital to assets | 12.8481% | 1,520 |
| Core capital (leverage) ratio | 12.1141% | 1,498 |
| Tier 1 risk-based capital ratio | 26.7449% | 709 |
| Total risk-based capital ratio | 27.6024% | 731 |
| Memoranda: | ||
| Average total assets | $89,373,200 | 5,106 |
| Average earning assets | $80,989,200 | 5,101 |
| Average equity | $11,320,600 | 4,702 |
| Average total loans | $43,436,200 | 5,356 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 4,338 |
| Cost of funding earning assets | 1.8026% | 57 |
| Net interest margin | 2.5259% | 6,808 |
| Noninterest income to average assets | 0.1134% | 6,569 |
| Noninterest expense to average assets | 1.9002% | 6,522 |
| Loan and lease loss provision to assets | 0.2237% | 2,819 |
| Net operating income to assets | 0.1832% | 5,958 |
| Return on assets (ROA) | 0.2551% | 5,961 |
| Pretax return on assets | 0.3848% | 5,751 |
| Return on Equity (ROE) | 2.0208% | 6,016 |
| Retained earnings to average equity (ytd only) | 2.0208% | 5,311 |
| Net charge-offs to loans | 0.2153% | 3,435 |
| Credit loss provision to net charge-offs | 214.2857% | 1,297 |
| Earnings coverage of net charge-offs (x) | 4.7858% | 3,205 |
| Efficiency ratio | 79.1796% | 2,211 |
| Assets per employee ($millions) | 10.1520% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7511% | 6,685 |
| Loan loss allowance to noncurrent loans | 40.2439% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 0.9347% | 4,414 |
| Noncurrent loans to loans | 1.8664% | 2,995 |
| Net loans and leases to total assets | 47.7235% | 5,585 |
| Net loans and leases to deposits | 62.9979% | 4,841 |
| Net loans and leases to core deposits | 73.9452% | 3,979 |
| Total domestic deposits to total assets | 75.7541% | 6,422 |
| Equity capital to assets | 12.4507% | 1,927 |
| Core capital (leverage) ratio | 12.0825% | 1,604 |
| Tier 1 risk-based capital ratio | 26.4645% | 785 |
| Total risk-based capital ratio | 27.2594% | 812 |
| Memoranda: | ||
| Average total assets | $89,390,250 | 5,160 |
| Average earning assets | $80,919,500 | 5,149 |
| Average equity | $11,282,250 | 4,755 |
| Average total loans | $43,343,250 | 5,420 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 4,008 |
| Cost of funding earning assets | 1.8352% | 60 |
| Net interest margin | 2.6086% | 6,809 |
| Noninterest income to average assets | 0.1691% | 6,333 |
| Noninterest expense to average assets | 1.9046% | 6,586 |
| Loan and lease loss provision to assets | 0.0789% | 4,620 |
| Net operating income to assets | 0.4232% | 5,132 |
| Return on assets (ROA) | 0.4666% | 5,208 |
| Pretax return on assets | 0.6063% | 5,113 |
| Return on Equity (ROE) | 3.6797% | 5,408 |
| Retained earnings to average equity (ytd only) | 3.6797% | 4,146 |
| Net charge-offs to loans | 0.2086% | 3,320 |
| Credit loss provision to net charge-offs | 77.7778% | 3,379 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,678 |
| Efficiency ratio | 75.1779% | 2,865 |
| Assets per employee ($millions) | 9.9030% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5565% | 6,971 |
| Loan loss allowance to noncurrent loans | 66.1157% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 5,436 |
| Noncurrent loans to loans | 0.8417% | 4,830 |
| Net loans and leases to total assets | 48.1179% | 5,600 |
| Net loans and leases to deposits | 63.7691% | 4,795 |
| Net loans and leases to core deposits | 74.4226% | 3,961 |
| Total domestic deposits to total assets | 75.4564% | 6,534 |
| Equity capital to assets | 12.8008% | 1,629 |
| Core capital (leverage) ratio | 12.4307% | 1,385 |
| Tier 1 risk-based capital ratio | 27.7487% | 665 |
| Total risk-based capital ratio | 28.3629% | 700 |
| Memoranda: | ||
| Average total assets | $88,731,000 | 5,202 |
| Average earning assets | $80,425,330 | 5,195 |
| Average equity | $11,251,000 | 4,763 |
| Average total loans | $43,146,330 | 5,465 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6057% | 3,477 |
| Cost of funding earning assets | 1.9008% | 59 |
| Net interest margin | 2.7048% | 6,762 |
| Noninterest income to average assets | 0.1672% | 6,385 |
| Noninterest expense to average assets | 1.8434% | 6,750 |
| Loan and lease loss provision to assets | 0.0678% | 4,562 |
| Net operating income to assets | 0.5783% | 4,450 |
| Return on assets (ROA) | 0.5783% | 4,674 |
| Pretax return on assets | 0.7184% | 4,733 |
| Return on Equity (ROE) | 4.5829% | 4,995 |
| Retained earnings to average equity (ytd only) | 4.5829% | 3,827 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1031% | 3,787 |
| Assets per employee ($millions) | 9.8400% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6205% | 6,966 |
| Loan loss allowance to noncurrent loans | 57.4837% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 5,305 |
| Noncurrent loans to loans | 1.0795% | 4,536 |
| Net loans and leases to total assets | 47.9223% | 5,567 |
| Net loans and leases to deposits | 63.7228% | 4,669 |
| Net loans and leases to core deposits | 74.8277% | 3,775 |
| Total domestic deposits to total assets | 75.2044% | 6,624 |
| Equity capital to assets | 12.8071% | 1,541 |
| Core capital (leverage) ratio | 12.3757% | 1,400 |
| Tier 1 risk-based capital ratio | 27.3592% | 697 |
| Total risk-based capital ratio | 28.0243% | 734 |
| Memoranda: | ||
| Average total assets | $88,533,000 | 5,256 |
| Average earning assets | $80,596,000 | 5,230 |
| Average equity | $11,172,000 | 4,783 |
| Average total loans | $43,156,500 | 5,501 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6638% | 4,404 |
| Cost of funding earning assets | 2.2064% | 54 |
| Net interest margin | 2.4574% | 7,080 |
| Noninterest income to average assets | 0.1402% | 6,449 |
| Noninterest expense to average assets | 1.8571% | 6,881 |
| Loan and lease loss provision to assets | 0.1844% | 4,350 |
| Net operating income to assets | 0.2897% | 5,292 |
| Return on assets (ROA) | 0.4026% | 5,026 |
| Pretax return on assets | 0.5135% | 4,953 |
| Return on Equity (ROE) | 3.2364% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.2364% | 3,914 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0530% | 2,738 |
| Assets per employee ($millions) | 9.8340% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5733% | 7,036 |
| Loan loss allowance to noncurrent loans | 87.7193% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 5,918 |
| Noncurrent loans to loans | 0.6535% | 5,394 |
| Net loans and leases to total assets | 48.9888% | 5,718 |
| Net loans and leases to deposits | 65.1569% | 4,857 |
| Net loans and leases to core deposits | 74.2610% | 4,200 |
| Total domestic deposits to total assets | 75.1859% | 6,578 |
| Equity capital to assets | 12.4308% | 1,837 |
| Core capital (leverage) ratio | 12.6519% | 1,288 |
| Tier 1 risk-based capital ratio | 25.5566% | 815 |
| Total risk-based capital ratio | 26.1258% | 868 |
| Memoranda: | ||
| Average total assets | $88,415,800 | 5,226 |
| Average earning assets | $81,671,200 | 5,179 |
| Average equity | $11,000,000 | 4,778 |
| Average total loans | $44,948,200 | 5,471 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 4,323 |
| Cost of funding earning assets | 2.2695% | 53 |
| Net interest margin | 2.4605% | 7,154 |
| Noninterest income to average assets | 0.1222% | 6,653 |
| Noninterest expense to average assets | 1.8809% | 6,871 |
| Loan and lease loss provision to assets | 0.0724% | 5,548 |
| Net operating income to assets | 0.3536% | 5,191 |
| Return on assets (ROA) | 0.4585% | 4,921 |
| Pretax return on assets | 0.5732% | 4,899 |
| Return on Equity (ROE) | 3.6849% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.6849% | 4,123 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5264% | 2,476 |
| Assets per employee ($millions) | 9.4959% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4014% | 7,228 |
| Loan loss allowance to noncurrent loans | 31.9149% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 5,488 |
| Noncurrent loans to loans | 1.2578% | 4,435 |
| Net loans and leases to total assets | 52.2565% | 5,417 |
| Net loans and leases to deposits | 67.6482% | 4,671 |
| Net loans and leases to core deposits | 77.7209% | 3,948 |
| Total domestic deposits to total assets | 77.2475% | 6,339 |
| Equity capital to assets | 13.0279% | 1,604 |
| Core capital (leverage) ratio | 13.0848% | 1,194 |
| Tier 1 risk-based capital ratio | 26.8829% | 743 |
| Total risk-based capital ratio | 27.3465% | 805 |
| Memoranda: | ||
| Average total assets | $88,393,250 | 5,260 |
| Average earning assets | $81,661,750 | 5,226 |
| Average equity | $10,999,500 | 4,806 |
| Average total loans | $45,283,250 | 5,498 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 4,391 |
| Cost of funding earning assets | 2.2966% | 58 |
| Net interest margin | 2.4346% | 7,220 |
| Noninterest income to average assets | 0.0649% | 6,979 |
| Noninterest expense to average assets | 1.8418% | 7,028 |
| Loan and lease loss provision to assets | 0.0739% | 5,388 |
| Net operating income to assets | 0.3104% | 5,331 |
| Return on assets (ROA) | 0.3558% | 5,288 |
| Pretax return on assets | 0.4565% | 5,200 |
| Return on Equity (ROE) | 2.9029% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.9029% | 4,436 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5938% | 2,452 |
| Assets per employee ($millions) | 9.7609% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4345% | 7,269 |
| Loan loss allowance to noncurrent loans | 36.1624% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 0.9152% | 5,040 |
| Noncurrent loans to loans | 1.2016% | 4,649 |
| Net loans and leases to total assets | 51.1224% | 5,679 |
| Net loans and leases to deposits | 66.5343% | 4,917 |
| Net loans and leases to core deposits | 76.3334% | 4,268 |
| Total domestic deposits to total assets | 76.8361% | 6,475 |
| Equity capital to assets | 12.6457% | 1,711 |
| Core capital (leverage) ratio | 12.5143% | 1,350 |
| Tier 1 risk-based capital ratio | 26.6290% | 749 |
| Total risk-based capital ratio | 27.1942% | 801 |
| Memoranda: | ||
| Average total assets | $89,370,000 | 5,279 |
| Average earning assets | $82,558,330 | 5,244 |
| Average equity | $10,954,670 | 4,812 |
| Average total loans | $45,431,000 | 5,542 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 3,780 |
| Cost of funding earning assets | 2.3499% | 57 |
| Net interest margin | 2.5085% | 7,194 |
| Noninterest income to average assets | -0.0089% | 7,320 |
| Noninterest expense to average assets | 1.7530% | 7,186 |
| Loan and lease loss provision to assets | 0.0666% | 5,164 |
| Net operating income to assets | 0.3462% | 5,194 |
| Return on assets (ROA) | 0.3462% | 5,275 |
| Pretax return on assets | 0.4882% | 5,064 |
| Return on Equity (ROE) | 2.8683% | 5,436 |
| Retained earnings to average equity (ytd only) | 2.8683% | 4,443 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9615% | 3,170 |
| Assets per employee ($millions) | 9.9442% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4230% | 7,335 |
| Loan loss allowance to noncurrent loans | 65.3061% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 0.7162% | 5,507 |
| Noncurrent loans to loans | 0.6477% | 5,734 |
| Net loans and leases to total assets | 50.5006% | 5,782 |
| Net loans and leases to deposits | 67.4431% | 4,755 |
| Net loans and leases to core deposits | 77.1069% | 4,149 |
| Total domestic deposits to total assets | 74.8788% | 6,812 |
| Equity capital to assets | 12.2114% | 1,786 |
| Core capital (leverage) ratio | 12.2487% | 1,432 |
| Tier 1 risk-based capital ratio | 26.4036% | 748 |
| Total risk-based capital ratio | 26.9092% | 793 |
| Memoranda: | ||
| Average total assets | $90,131,000 | 5,286 |
| Average earning assets | $83,238,000 | 5,262 |
| Average equity | $10,877,500 | 4,822 |
| Average total loans | $45,593,500 | 5,583 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1410% | 3,904 |
| Cost of funding earning assets | 2.6968% | 59 |
| Net interest margin | 2.4442% | 7,302 |
| Noninterest income to average assets | 0.1246% | 6,780 |
| Noninterest expense to average assets | 1.7669% | 7,294 |
| Loan and lease loss provision to assets | 0.1070% | 6,080 |
| Net operating income to assets | 0.4533% | 4,301 |
| Return on assets (ROA) | -2.9724% | 7,311 |
| Pretax return on assets | -2.9128% | 7,274 |
| Return on Equity (ROE) | -24.9773% | 7,137 |
| Retained earnings to average equity (ytd only) | -24.9773% | 7,117 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0296% | 3,390 |
| Assets per employee ($millions) | 10.0849% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4804% | 7,373 |
| Loan loss allowance to noncurrent loans | 62.8571% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8098% | 5,380 |
| Noncurrent loans to loans | 0.7642% | 5,520 |
| Net loans and leases to total assets | 50.2159% | 6,149 |
| Net loans and leases to deposits | 67.8183% | 5,124 |
| Net loans and leases to core deposits | 77.1920% | 4,566 |
| Total domestic deposits to total assets | 74.0448% | 6,888 |
| Equity capital to assets | 11.9276% | 1,954 |
| Core capital (leverage) ratio | 12.0023% | 1,548 |
| Tier 1 risk-based capital ratio | 27.4517% | 651 |
| Total risk-based capital ratio | 28.0056% | 676 |
| Memoranda: | ||
| Average total assets | $90,668,000 | 5,269 |
| Average earning assets | $83,913,200 | 5,215 |
| Average equity | $10,789,800 | 4,912 |
| Average total loans | $45,134,800 | 5,699 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2393% | 3,637 |
| Cost of funding earning assets | 2.7459% | 58 |
| Net interest margin | 2.4934% | 7,383 |
| Noninterest income to average assets | 0.1427% | 6,839 |
| Noninterest expense to average assets | 1.7769% | 7,353 |
| Loan and lease loss provision to assets | 0.1206% | 5,822 |
| Net operating income to assets | 0.4457% | 4,560 |
| Return on assets (ROA) | 0.4457% | 4,750 |
| Pretax return on assets | 0.5545% | 4,747 |
| Return on Equity (ROE) | 3.7473% | 4,895 |
| Retained earnings to average equity (ytd only) | 3.7473% | 3,826 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4655% | 3,617 |
| Assets per employee ($millions) | 9.9828% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4527% | 7,494 |
| Loan loss allowance to noncurrent loans | 26.6580% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 5,185 |
| Noncurrent loans to loans | 1.6980% | 4,088 |
| Net loans and leases to total assets | 50.1786% | 6,307 |
| Net loans and leases to deposits | 67.3977% | 5,505 |
| Net loans and leases to core deposits | 75.8896% | 5,071 |
| Total domestic deposits to total assets | 74.4516% | 6,865 |
| Equity capital to assets | 12.2889% | 1,982 |
| Core capital (leverage) ratio | 12.0344% | 1,647 |
| Tier 1 risk-based capital ratio | 27.8831% | 636 |
| Total risk-based capital ratio | 28.4133% | 674 |
| Memoranda: | ||
| Average total assets | $90,644,000 | 5,334 |
| Average earning assets | $83,954,000 | 5,272 |
| Average equity | $10,780,750 | 4,977 |
| Average total loans | $44,969,000 | 5,784 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2607% | 3,646 |
| Cost of funding earning assets | 2.7835% | 66 |
| Net interest margin | 2.4772% | 7,433 |
| Noninterest income to average assets | 0.1496% | 6,818 |
| Noninterest expense to average assets | 1.7666% | 7,433 |
| Loan and lease loss provision to assets | 0.1540% | 5,362 |
| Net operating income to assets | 0.3938% | 4,782 |
| Return on assets (ROA) | 0.3938% | 4,943 |
| Pretax return on assets | 0.5236% | 4,833 |
| Return on Equity (ROE) | 3.3477% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.3477% | 3,979 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2772% | 3,771 |
| Assets per employee ($millions) | 9.9984% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4305% | 7,578 |
| Loan loss allowance to noncurrent loans | 20.4233% | 6,919 |
| Noncurrent assets plus other real estate owned to assets | 1.1346% | 4,868 |
| Noncurrent loans to loans | 2.1081% | 3,582 |
| Net loans and leases to total assets | 49.6010% | 6,477 |
| Net loans and leases to deposits | 67.2472% | 5,652 |
| Net loans and leases to core deposits | 71.3927% | 5,737 |
| Total domestic deposits to total assets | 73.7593% | 6,999 |
| Equity capital to assets | 12.0597% | 2,063 |
| Core capital (leverage) ratio | 11.9099% | 1,697 |
| Tier 1 risk-based capital ratio | 23.8588% | 953 |
| Total risk-based capital ratio | 24.2892% | 1,045 |
| Memoranda: | ||
| Average total assets | $90,910,330 | 5,359 |
| Average earning assets | $84,209,330 | 5,285 |
| Average equity | $10,694,000 | 5,005 |
| Average total loans | $44,862,670 | 5,828 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 4,915 |
| Cost of funding earning assets | 2.8254% | 76 |
| Net interest margin | 2.1970% | 7,650 |
| Noninterest income to average assets | 0.1401% | 6,977 |
| Noninterest expense to average assets | 1.7949% | 7,469 |
| Loan and lease loss provision to assets | 0.0657% | 5,978 |
| Net operating income to assets | 0.2452% | 5,518 |
| Return on assets (ROA) | 0.2452% | 5,639 |
| Pretax return on assets | 0.3152% | 5,560 |
| Return on Equity (ROE) | 2.1102% | 5,722 |
| Retained earnings to average equity (ytd only) | 2.1102% | 4,868 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4950% | 2,207 |
| Assets per employee ($millions) | 10.1441% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3095% | 7,750 |
| Loan loss allowance to noncurrent loans | 16.0652% | 7,177 |
| Noncurrent assets plus other real estate owned to assets | 0.9409% | 5,262 |
| Noncurrent loans to loans | 1.9267% | 3,892 |
| Net loans and leases to total assets | 48.6818% | 6,606 |
| Net loans and leases to deposits | 66.6952% | 5,746 |
| Net loans and leases to core deposits | 71.0256% | 5,829 |
| Total domestic deposits to total assets | 72.9914% | 7,164 |
| Equity capital to assets | 11.6444% | 2,269 |
| Core capital (leverage) ratio | 11.6299% | 1,840 |
| Tier 1 risk-based capital ratio | 23.6363% | 998 |
| Total risk-based capital ratio | 23.9435% | 1,095 |
| Memoranda: | ||
| Average total assets | $91,372,500 | 5,407 |
| Average earning assets | $84,661,000 | 5,345 |
| Average equity | $10,615,000 | 5,069 |
| Average total loans | $44,880,500 | 5,891 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2595% | 5,369 |
| Cost of funding earning assets | 3.2492% | 107 |
| Net interest margin | 2.0103% | 7,738 |
| Noninterest income to average assets | 0.1550% | 6,959 |
| Noninterest expense to average assets | 1.7096% | 7,693 |
| Loan and lease loss provision to assets | 0.1146% | 6,498 |
| Net operating income to assets | 0.1801% | 4,964 |
| Return on assets (ROA) | 0.1801% | 5,034 |
| Pretax return on assets | 0.1801% | 5,048 |
| Return on Equity (ROE) | 1.5174% | 5,082 |
| Retained earnings to average equity (ytd only) | 1.5174% | 4,009 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2941% | 2,190 |
| Assets per employee ($millions) | 10.1609% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4870% | 7,678 |
| Loan loss allowance to noncurrent loans | 34.5369% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 0.9011% | 5,298 |
| Noncurrent loans to loans | 1.4100% | 4,569 |
| Net loans and leases to total assets | 49.1624% | 6,714 |
| Net loans and leases to deposits | 68.3595% | 5,784 |
| Net loans and leases to core deposits | 97.3897% | 4,305 |
| Total domestic deposits to total assets | 71.9174% | 7,251 |
| Equity capital to assets | 11.5902% | 2,253 |
| Core capital (leverage) ratio | 11.6153% | 1,857 |
| Tier 1 risk-based capital ratio | 23.4113% | 999 |
| Total risk-based capital ratio | 23.8961% | 1,055 |
| Memoranda: | ||
| Average total assets | $91,600,200 | 5,348 |
| Average earning assets | $84,266,400 | 5,324 |
| Average equity | $10,873,600 | 5,055 |
| Average total loans | $44,554,600 | 5,905 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3182% | 5,327 |
| Cost of funding earning assets | 3.3138% | 132 |
| Net interest margin | 2.0044% | 7,807 |
| Noninterest income to average assets | 0.2008% | 6,776 |
| Noninterest expense to average assets | 1.6907% | 7,772 |
| Loan and lease loss provision to assets | 0.0655% | 6,702 |
| Net operating income to assets | 0.2546% | 4,969 |
| Return on assets (ROA) | 0.2546% | 5,057 |
| Pretax return on assets | 0.2866% | 5,098 |
| Return on Equity (ROE) | 2.1324% | 5,120 |
| Retained earnings to average equity (ytd only) | 2.1324% | 4,136 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7635% | 2,464 |
| Assets per employee ($millions) | 10.0354% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4654% | 7,754 |
| Loan loss allowance to noncurrent loans | 18.7276% | 7,155 |
| Noncurrent assets plus other real estate owned to assets | 1.5180% | 4,090 |
| Noncurrent loans to loans | 2.4850% | 3,032 |
| Net loans and leases to total assets | 49.4912% | 6,821 |
| Net loans and leases to deposits | 69.1255% | 6,016 |
| Net loans and leases to core deposits | 96.8350% | 4,724 |
| Total domestic deposits to total assets | 71.5962% | 7,262 |
| Equity capital to assets | 11.7926% | 2,359 |
| Core capital (leverage) ratio | 11.7966% | 1,909 |
| Tier 1 risk-based capital ratio | 23.6788% | 1,037 |
| Total risk-based capital ratio | 24.1433% | 1,091 |
| Memoranda: | ||
| Average total assets | $91,638,250 | 5,377 |
| Average earning assets | $84,211,500 | 5,368 |
| Average equity | $10,942,250 | 5,084 |
| Average total loans | $44,398,750 | 5,954 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3928% | 5,188 |
| Cost of funding earning assets | 3.3738% | 160 |
| Net interest margin | 2.0190% | 7,854 |
| Noninterest income to average assets | 0.2302% | 6,636 |
| Noninterest expense to average assets | 1.6725% | 7,860 |
| Loan and lease loss provision to assets | 0.0652% | 6,555 |
| Net operating income to assets | 0.2845% | 4,967 |
| Return on assets (ROA) | 0.2845% | 5,065 |
| Pretax return on assets | 0.3410% | 5,096 |
| Return on Equity (ROE) | 2.3733% | 5,148 |
| Retained earnings to average equity (ytd only) | 2.3733% | 4,013 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4598% | 2,968 |
| Assets per employee ($millions) | 10.1136% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5406% | 7,739 |
| Loan loss allowance to noncurrent loans | 30.3371% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 1.1426% | 4,663 |
| Noncurrent loans to loans | 1.7821% | 3,829 |
| Net loans and leases to total assets | 49.1123% | 6,951 |
| Net loans and leases to deposits | 69.1440% | 6,078 |
| Net loans and leases to core deposits | 95.6234% | 4,943 |
| Total domestic deposits to total assets | 71.0290% | 7,362 |
| Equity capital to assets | 11.2357% | 2,730 |
| Core capital (leverage) ratio | 11.4934% | 2,089 |
| Tier 1 risk-based capital ratio | 21.7871% | 1,282 |
| Total risk-based capital ratio | 22.2917% | 1,360 |
| Memoranda: | ||
| Average total assets | $92,078,000 | 5,404 |
| Average earning assets | $84,297,330 | 5,402 |
| Average equity | $11,039,330 | 5,077 |
| Average total loans | $44,228,670 | 6,015 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6064% | 4,315 |
| Cost of funding earning assets | 3.4311% | 179 |
| Net interest margin | 2.1753% | 7,816 |
| Noninterest income to average assets | 0.1209% | 7,417 |
| Noninterest expense to average assets | 1.5507% | 7,945 |
| Loan and lease loss provision to assets | 0.0648% | 6,141 |
| Net operating income to assets | 0.3758% | 4,961 |
| Return on assets (ROA) | 0.3758% | 5,144 |
| Pretax return on assets | 0.4881% | 5,112 |
| Return on Equity (ROE) | 3.0405% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.0405% | 4,189 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7166% | 3,871 |
| Assets per employee ($millions) | 11.6120% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5451% | 7,760 |
| Loan loss allowance to noncurrent loans | 62.8342% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 4,949 |
| Noncurrent loans to loans | 0.8674% | 5,282 |
| Net loans and leases to total assets | 46.1591% | 7,178 |
| Net loans and leases to deposits | 65.7195% | 6,399 |
| Net loans and leases to core deposits | 92.3680% | 5,316 |
| Total domestic deposits to total assets | 70.2366% | 7,405 |
| Equity capital to assets | 12.2341% | 2,117 |
| Core capital (leverage) ratio | 12.4104% | 1,718 |
| Tier 1 risk-based capital ratio | 24.2650% | 1,052 |
| Total risk-based capital ratio | 24.7578% | 1,118 |
| Memoranda: | ||
| Average total assets | $92,606,000 | 5,407 |
| Average earning assets | $84,403,500 | 5,415 |
| Average equity | $11,445,500 | 4,997 |
| Average total loans | $43,870,000 | 6,063 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5622% | 7,173 |
| Cost of funding earning assets | 3.6160% | 364 |
| Net interest margin | 1.9462% | 8,094 |
| Noninterest income to average assets | 0.1379% | 7,415 |
| Noninterest expense to average assets | 1.6168% | 7,949 |
| Loan and lease loss provision to assets | 0.2254% | 4,634 |
| Net operating income to assets | 0.1032% | 6,104 |
| Return on assets (ROA) | 0.1032% | 5,946 |
| Pretax return on assets | 0.0886% | 5,968 |
| Return on Equity (ROE) | 0.7218% | 6,003 |
| Retained earnings to average equity (ytd only) | 0.7218% | 4,798 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7398% | 2,087 |
| Assets per employee ($millions) | 11.5395% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4930% | 7,863 |
| Loan loss allowance to noncurrent loans | 53.3981% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 0.8243% | 4,788 |
| Noncurrent loans to loans | 0.9232% | 4,776 |
| Net loans and leases to total assets | 48.1011% | 7,180 |
| Net loans and leases to deposits | 68.8172% | 6,385 |
| Net loans and leases to core deposits | 96.7935% | 5,171 |
| Total domestic deposits to total assets | 69.8969% | 7,287 |
| Equity capital to assets | 12.4854% | 2,020 |
| Core capital (leverage) ratio | 14.0690% | 1,245 |
| Tier 1 risk-based capital ratio | 30.3363% | 620 |
| Total risk-based capital ratio | 30.8332% | 644 |
| Memoranda: | ||
| Average total assets | $89,188,400 | 5,384 |
| Average earning assets | $82,162,000 | 5,367 |
| Average equity | $12,746,400 | 4,638 |
| Average total loans | $43,206,600 | 6,013 |