Home > Stoughton Co-operative Bank > Performance and Condition Ratios
Stoughton Co-operative Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7777% | 4,206 |
| Cost of funding earning assets | 1.1904% | 2,826 |
| Net interest margin | 2.5873% | 3,983 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.2964% | 2,865 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2958% | 4,034 |
| Return on assets (ROA) | 0.2958% | 4,030 |
| Pretax return on assets | 0.3697% | 4,005 |
| Return on Equity (ROE) | 3.4400% | 3,963 |
| Retained earnings to average equity (ytd only) | 3.4377% | 3,149 |
| 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 | 86.1325% | 551 |
| Assets per employee ($millions) | 6.8982% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6793% | 4,154 |
| Loan loss allowance to noncurrent loans | 429.2994% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 2,697 |
| Noncurrent loans to loans | 0.1582% | 2,730 |
| Net loans and leases to total assets | 79.3700% | 720 |
| Net loans and leases to deposits | 88.6889% | 1,374 |
| Net loans and leases to core deposits | 99.1180% | 1,479 |
| Total domestic deposits to total assets | 89.4900% | 909 |
| Equity capital to assets | 8.7366% | 2,877 |
| Core capital (leverage) ratio | 9.8002% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $121,710,800 | 3,638 |
| Average earning assets | $116,260,200 | 3,582 |
| Average equity | $10,472,200 | 3,666 |
| Average total loans | $98,305,800 | 3,194 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6835% | 4,228 |
| Cost of funding earning assets | 1.0518% | 2,884 |
| Net interest margin | 2.6317% | 3,979 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.2879% | 2,831 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3358% | 4,075 |
| Return on assets (ROA) | 0.3358% | 4,078 |
| Pretax return on assets | 0.4228% | 4,028 |
| Return on Equity (ROE) | 3.9200% | 3,992 |
| Retained earnings to average equity (ytd only) | 3.9184% | 3,277 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.4029% | 591 |
| Assets per employee ($millions) | 7.2393% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 4,154 |
| Loan loss allowance to noncurrent loans | 423.8994% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 2,690 |
| Noncurrent loans to loans | 0.1632% | 2,730 |
| Net loans and leases to total assets | 78.6200% | 804 |
| Net loans and leases to deposits | 87.5527% | 1,424 |
| Net loans and leases to core deposits | 97.0928% | 1,500 |
| Total domestic deposits to total assets | 89.7900% | 994 |
| Equity capital to assets | 8.3864% | 2,803 |
| Core capital (leverage) ratio | 9.7431% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $121,096,500 | 3,654 |
| Average earning assets | $115,611,500 | 3,602 |
| Average equity | $10,378,250 | 3,680 |
| Average total loans | $98,075,750 | 3,197 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5516% | 4,300 |
| Cost of funding earning assets | 0.9049% | 2,909 |
| Net interest margin | 2.6467% | 4,045 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.3182% | 2,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3255% | 4,121 |
| Return on assets (ROA) | 0.3255% | 4,146 |
| Pretax return on assets | 0.4102% | 4,105 |
| Return on Equity (ROE) | 3.7700% | 4,056 |
| Retained earnings to average equity (ytd only) | 3.7702% | 3,262 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.9665% | 547 |
| Assets per employee ($millions) | 6.4852% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6915% | 4,201 |
| Loan loss allowance to noncurrent loans | 418.6335% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 2,634 |
| Noncurrent loans to loans | 0.1652% | 2,651 |
| Net loans and leases to total assets | 78.5500% | 778 |
| Net loans and leases to deposits | 87.5986% | 1,381 |
| Net loans and leases to core deposits | 96.3201% | 1,449 |
| Total domestic deposits to total assets | 89.6800% | 1,019 |
| Equity capital to assets | 8.5345% | 2,839 |
| Core capital (leverage) ratio | 9.8566% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $120,439,333 | 3,674 |
| Average earning assets | $114,935,333 | 3,619 |
| Average equity | $10,397,333 | 3,689 |
| Average total loans | $98,292,667 | 3,194 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4911% | 4,281 |
| Cost of funding earning assets | 0.7109% | 3,022 |
| Net interest margin | 2.7802% | 3,971 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.3049% | 2,798 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4368% | 4,026 |
| Return on assets (ROA) | 0.4368% | 3,977 |
| Pretax return on assets | 0.5611% | 3,908 |
| Return on Equity (ROE) | 5.0300% | 3,884 |
| Retained earnings to average equity (ytd only) | 5.0300% | 3,015 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.4220% | 795 |
| Assets per employee ($millions) | 7.0604% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 4,268 |
| Loan loss allowance to noncurrent loans | 413.4969% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 2,563 |
| Noncurrent loans to loans | 0.1649% | 2,667 |
| Net loans and leases to total assets | 81.8000% | 390 |
| Net loans and leases to deposits | 91.4859% | 955 |
| Net loans and leases to core deposits | 99.6974% | 1,099 |
| Total domestic deposits to total assets | 89.4100% | 1,379 |
| Equity capital to assets | 8.7347% | 2,709 |
| Core capital (leverage) ratio | 10.0213% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $119,050,000 | 3,732 |
| Average earning assets | $113,662,000 | 3,684 |
| Average equity | $10,338,000 | 3,739 |
| Average total loans | $98,705,500 | 3,222 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1629% | 3,883 |
| Cost of funding earning assets | 0.3119% | 2,781 |
| Net interest margin | 2.8510% | 3,791 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.3726% | 2,505 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4220% | 4,224 |
| Return on assets (ROA) | 0.4239% | 4,182 |
| Pretax return on assets | 0.5471% | 4,104 |
| Return on Equity (ROE) | 4.8900% | 4,036 |
| Retained earnings to average equity (ytd only) | 4.8877% | 3,097 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.3292% | 632 |
| Assets per employee ($millions) | 6.2144% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6839% | 4,229 |
| Loan loss allowance to noncurrent loans | 408.4848% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 2,558 |
| Noncurrent loans to loans | 0.1674% | 2,645 |
| Net loans and leases to total assets | 82.9000% | 333 |
| Net loans and leases to deposits | 90.9120% | 990 |
| Net loans and leases to core deposits | 97.1245% | 1,145 |
| Total domestic deposits to total assets | 91.1900% | 881 |
| Equity capital to assets | 8.6319% | 2,607 |
| Core capital (leverage) ratio | 9.8560% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $121,722,800 | 3,709 |
| Average earning assets | $116,379,000 | 3,664 |
| Average equity | $10,557,200 | 3,803 |
| Average total loans | $97,014,400 | 3,193 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0778% | 3,725 |
| Cost of funding earning assets | 0.2785% | 2,399 |
| Net interest margin | 2.7994% | 3,736 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.3462% | 2,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4062% | 4,231 |
| Return on assets (ROA) | 0.4088% | 4,169 |
| Pretax return on assets | 0.5251% | 4,109 |
| Return on Equity (ROE) | 4.7100% | 4,035 |
| Retained earnings to average equity (ytd only) | 4.7079% | 3,195 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.8044% | 659 |
| Assets per employee ($millions) | 6.6581% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6963% | 4,255 |
| Loan loss allowance to noncurrent loans | 220.9836% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 1,946 |
| Noncurrent loans to loans | 0.3151% | 2,116 |
| Net loans and leases to total assets | 80.2000% | 510 |
| Net loans and leases to deposits | 87.7720% | 1,050 |
| Net loans and leases to core deposits | 92.5548% | 1,161 |
| Total domestic deposits to total assets | 91.3800% | 1,086 |
| Equity capital to assets | 8.4675% | 2,566 |
| Core capital (leverage) ratio | 9.7205% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $122,635,250 | 3,731 |
| Average earning assets | $117,308,750 | 3,680 |
| Average equity | $10,648,500 | 3,842 |
| Average total loans | $96,628,500 | 3,210 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9605% | 3,652 |
| Cost of funding earning assets | 0.2825% | 1,871 |
| Net interest margin | 2.6780% | 3,747 |
| Noninterest income to average assets | 0.1975% | 4,011 |
| Noninterest expense to average assets | 2.3275% | 2,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3425% | 4,216 |
| Return on assets (ROA) | 0.3464% | 4,165 |
| Pretax return on assets | 0.4370% | 4,105 |
| Return on Equity (ROE) | 3.9573% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.9573% | 3,096 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3402% | 664 |
| Assets per employee ($millions) | 6.2628% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7057% | 4,323 |
| Loan loss allowance to noncurrent loans | 218.1230% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 2,011 |
| Noncurrent loans to loans | 0.3236% | 2,182 |
| Net loans and leases to total assets | 79.6923% | 430 |
| Net loans and leases to deposits | 87.2850% | 888 |
| Net loans and leases to core deposits | 91.9599% | 1,019 |
| Total domestic deposits to total assets | 91.3012% | 1,105 |
| Equity capital to assets | 8.5357% | 2,736 |
| Core capital (leverage) ratio | 9.3608% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,565,000 | 3,766 |
| Average earning assets | $118,222,333 | 3,721 |
| Average equity | $10,815,333 | 3,903 |
| Average total loans | $96,573,333 | 3,234 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9148% | 3,494 |
| Cost of funding earning assets | 0.3087% | 1,566 |
| Net interest margin | 2.6060% | 3,643 |
| Noninterest income to average assets | 0.2098% | 3,904 |
| Noninterest expense to average assets | 2.2757% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3433% | 4,071 |
| Return on assets (ROA) | 0.3433% | 4,036 |
| Pretax return on assets | 0.4291% | 3,984 |
| Return on Equity (ROE) | 3.8764% | 3,908 |
| Retained earnings to average equity (ytd only) | 3.8764% | 2,979 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1363% | 838 |
| Assets per employee ($millions) | 6.6021% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6947% | 4,392 |
| Loan loss allowance to noncurrent loans | 214.6497% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 2,144 |
| Noncurrent loans to loans | 0.3237% | 2,313 |
| Net loans and leases to total assets | 76.8033% | 455 |
| Net loans and leases to deposits | 84.2902% | 864 |
| Net loans and leases to core deposits | 88.0624% | 1,017 |
| Total domestic deposits to total assets | 91.1177% | 970 |
| Equity capital to assets | 8.7117% | 2,963 |
| Core capital (leverage) ratio | 9.1407% | 3,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,850,500 | 3,762 |
| Average earning assets | $120,489,000 | 3,709 |
| Average equity | $11,144,500 | 3,943 |
| Average total loans | $97,108,500 | 3,232 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9947% | 3,883 |
| Cost of funding earning assets | 0.5493% | 713 |
| Net interest margin | 2.4453% | 4,262 |
| Noninterest income to average assets | 0.3181% | 3,508 |
| Noninterest expense to average assets | 2.2233% | 3,003 |
| Loan and lease loss provision to assets | 0.0240% | 2,586 |
| Net operating income to assets | 0.3479% | 4,351 |
| Return on assets (ROA) | 0.4036% | 4,304 |
| Pretax return on assets | 0.4779% | 4,285 |
| Return on Equity (ROE) | 4.4640% | 4,112 |
| Retained earnings to average equity (ytd only) | 4.4640% | 3,021 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6189% | 593 |
| Assets per employee ($millions) | 6.3131% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6934% | 4,435 |
| Loan loss allowance to noncurrent loans | 213.2911% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 2,318 |
| Noncurrent loans to loans | 0.3251% | 2,425 |
| Net loans and leases to total assets | 76.4504% | 489 |
| Net loans and leases to deposits | 84.1693% | 898 |
| Net loans and leases to core deposits | 87.5306% | 1,106 |
| Total domestic deposits to total assets | 90.8293% | 566 |
| Equity capital to assets | 8.9980% | 3,620 |
| Core capital (leverage) ratio | 9.0166% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,128,600 | 3,744 |
| Average earning assets | $119,780,200 | 3,690 |
| Average equity | $11,312,800 | 4,005 |
| Average total loans | $93,526,200 | 3,284 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9929% | 4,014 |
| Cost of funding earning assets | 0.6048% | 627 |
| Net interest margin | 2.3880% | 4,410 |
| Noninterest income to average assets | 0.3620% | 3,286 |
| Noninterest expense to average assets | 2.1979% | 3,073 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3844% | 4,392 |
| Return on assets (ROA) | 0.4325% | 4,357 |
| Pretax return on assets | 0.5062% | 4,362 |
| Return on Equity (ROE) | 4.7783% | 4,167 |
| Retained earnings to average equity (ytd only) | 4.7783% | 3,299 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0173% | 577 |
| Assets per employee ($millions) | 5.9898% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 4,539 |
| Loan loss allowance to noncurrent loans | 200.6231% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 2,497 |
| Noncurrent loans to loans | 0.3374% | 2,573 |
| Net loans and leases to total assets | 75.1133% | 606 |
| Net loans and leases to deposits | 82.8957% | 1,034 |
| Net loans and leases to core deposits | 86.6688% | 1,243 |
| Total domestic deposits to total assets | 90.6118% | 502 |
| Equity capital to assets | 9.0940% | 3,750 |
| Core capital (leverage) ratio | 8.9066% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,845,500 | 3,784 |
| Average earning assets | $119,481,000 | 3,729 |
| Average equity | $11,300,750 | 4,054 |
| Average total loans | $92,607,500 | 3,341 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0070% | 4,035 |
| Cost of funding earning assets | 0.6449% | 591 |
| Net interest margin | 2.3620% | 4,458 |
| Noninterest income to average assets | 0.4449% | 2,874 |
| Noninterest expense to average assets | 2.2099% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4400% | 4,317 |
| Return on assets (ROA) | 0.4400% | 4,359 |
| Pretax return on assets | 0.4995% | 4,392 |
| Return on Equity (ROE) | 4.8691% | 4,150 |
| Retained earnings to average equity (ytd only) | 4.8691% | 3,236 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5649% | 699 |
| Assets per employee ($millions) | 6.3147% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7081% | 4,523 |
| Loan loss allowance to noncurrent loans | 198.7654% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 2,644 |
| Noncurrent loans to loans | 0.3562% | 2,620 |
| Net loans and leases to total assets | 71.5046% | 1,024 |
| Net loans and leases to deposits | 78.8471% | 1,539 |
| Net loans and leases to core deposits | 83.5733% | 1,600 |
| Total domestic deposits to total assets | 90.6876% | 484 |
| Equity capital to assets | 8.9901% | 3,807 |
| Core capital (leverage) ratio | 8.8430% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,532,000 | 3,803 |
| Average earning assets | $119,390,000 | 3,743 |
| Average equity | $11,254,667 | 4,070 |
| Average total loans | $91,768,000 | 3,375 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0621% | 3,963 |
| Cost of funding earning assets | 0.6718% | 609 |
| Net interest margin | 2.3903% | 4,421 |
| Noninterest income to average assets | 0.5338% | 2,465 |
| Noninterest expense to average assets | 2.2418% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5208% | 4,135 |
| Return on assets (ROA) | 0.5208% | 4,173 |
| Pretax return on assets | 0.5823% | 4,215 |
| Return on Equity (ROE) | 5.7474% | 3,932 |
| Retained earnings to average equity (ytd only) | 5.7474% | 2,988 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3814% | 858 |
| Assets per employee ($millions) | 6.2718% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6949% | 4,579 |
| Loan loss allowance to noncurrent loans | 169.0289% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 2,615 |
| Noncurrent loans to loans | 0.4111% | 2,631 |
| Net loans and leases to total assets | 73.3729% | 865 |
| Net loans and leases to deposits | 80.8887% | 1,435 |
| Net loans and leases to core deposits | 85.7465% | 1,543 |
| Total domestic deposits to total assets | 90.7084% | 506 |
| Equity capital to assets | 8.9113% | 3,777 |
| Core capital (leverage) ratio | 9.0374% | 3,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,651,000 | 3,822 |
| Average earning assets | $118,481,000 | 3,760 |
| Average equity | $11,205,000 | 4,088 |
| Average total loans | $92,177,000 | 3,376 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4127% | 4,174 |
| Cost of funding earning assets | 0.9482% | 720 |
| Net interest margin | 2.4645% | 4,618 |
| Noninterest income to average assets | 0.4277% | 2,974 |
| Noninterest expense to average assets | 2.2441% | 3,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4330% | 4,174 |
| Return on assets (ROA) | 0.4244% | 4,278 |
| Pretax return on assets | 0.5300% | 4,217 |
| Return on Equity (ROE) | 4.7912% | 3,957 |
| Retained earnings to average equity (ytd only) | 4.7912% | 2,375 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5796% | 846 |
| Assets per employee ($millions) | 5.8031% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7025% | 4,584 |
| Loan loss allowance to noncurrent loans | 167.2727% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 2,728 |
| Noncurrent loans to loans | 0.4200% | 2,720 |
| Net loans and leases to total assets | 74.6968% | 940 |
| Net loans and leases to deposits | 82.6036% | 1,591 |
| Net loans and leases to core deposits | 88.3289% | 1,658 |
| Total domestic deposits to total assets | 90.4280% | 403 |
| Equity capital to assets | 9.2167% | 3,872 |
| Core capital (leverage) ratio | 8.9903% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,182,400 | 3,744 |
| Average earning assets | $114,953,400 | 3,692 |
| Average equity | $10,644,600 | 4,135 |
| Average total loans | $88,346,600 | 3,427 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5102% | 4,193 |
| Cost of funding earning assets | 0.9934% | 775 |
| Net interest margin | 2.5168% | 4,646 |
| Noninterest income to average assets | 0.3162% | 3,598 |
| Noninterest expense to average assets | 2.2132% | 3,650 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4114% | 4,240 |
| Return on assets (ROA) | 0.3997% | 4,332 |
| Pretax return on assets | 0.4943% | 4,291 |
| Return on Equity (ROE) | 4.5596% | 4,012 |
| Retained earnings to average equity (ytd only) | 4.5596% | 2,769 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3088% | 769 |
| Assets per employee ($millions) | 5.8312% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7294% | 4,520 |
| Loan loss allowance to noncurrent loans | 166.4083% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 2,882 |
| Noncurrent loans to loans | 0.4383% | 2,741 |
| Net loans and leases to total assets | 71.5716% | 1,732 |
| Net loans and leases to deposits | 78.9491% | 2,429 |
| Net loans and leases to core deposits | 85.1722% | 2,369 |
| Total domestic deposits to total assets | 90.6553% | 246 |
| Equity capital to assets | 8.9992% | 4,122 |
| Core capital (leverage) ratio | 8.8060% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,761,500 | 3,740 |
| Average earning assets | $114,483,250 | 3,687 |
| Average equity | $10,497,750 | 4,157 |
| Average total loans | $87,514,750 | 3,461 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6700% | 4,146 |
| Cost of funding earning assets | 1.0307% | 894 |
| Net interest margin | 2.6393% | 4,616 |
| Noninterest income to average assets | 0.2255% | 4,134 |
| Noninterest expense to average assets | 2.2109% | 3,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4316% | 4,165 |
| Return on assets (ROA) | 0.4139% | 4,269 |
| Pretax return on assets | 0.5132% | 4,227 |
| Return on Equity (ROE) | 4.7657% | 3,893 |
| Retained earnings to average equity (ytd only) | 4.7657% | 2,580 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5147% | 852 |
| Assets per employee ($millions) | 5.8121% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7393% | 4,489 |
| Loan loss allowance to noncurrent loans | 164.7059% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 3,032 |
| Noncurrent loans to loans | 0.4489% | 2,806 |
| Net loans and leases to total assets | 70.8416% | 1,902 |
| Net loans and leases to deposits | 78.0166% | 2,651 |
| Net loans and leases to core deposits | 85.2569% | 2,500 |
| Total domestic deposits to total assets | 90.8033% | 194 |
| Equity capital to assets | 8.8780% | 4,189 |
| Core capital (leverage) ratio | 8.9405% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,863,667 | 3,739 |
| Average earning assets | $113,515,000 | 3,682 |
| Average equity | $10,323,667 | 4,184 |
| Average total loans | $87,257,333 | 3,468 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 3,007 |
| Cost of funding earning assets | 1.0949% | 1,062 |
| Net interest margin | 3.1737% | 3,921 |
| Noninterest income to average assets | 0.2081% | 4,301 |
| Noninterest expense to average assets | 2.2376% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7786% | 2,981 |
| Return on assets (ROA) | 0.7436% | 3,193 |
| Pretax return on assets | 0.9517% | 2,992 |
| Return on Equity (ROE) | 8.6615% | 2,253 |
| Retained earnings to average equity (ytd only) | 8.6615% | 1,065 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1983% | 2,485 |
| Assets per employee ($millions) | 5.5257% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7515% | 4,516 |
| Loan loss allowance to noncurrent loans | 162.6263% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 3,079 |
| Noncurrent loans to loans | 0.4621% | 2,869 |
| Net loans and leases to total assets | 73.2911% | 1,729 |
| Net loans and leases to deposits | 80.4082% | 2,637 |
| Net loans and leases to core deposits | 88.2221% | 2,506 |
| Total domestic deposits to total assets | 91.1487% | 95 |
| Equity capital to assets | 8.4893% | 4,840 |
| Core capital (leverage) ratio | 9.0138% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,268,500 | 3,747 |
| Average earning assets | $111,795,500 | 3,688 |
| Average equity | $10,067,500 | 4,233 |
| Average total loans | $87,331,500 | 3,453 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6213% | 4,759 |
| Cost of funding earning assets | 1.1356% | 1,207 |
| Net interest margin | 2.4857% | 4,975 |
| Noninterest income to average assets | 0.1854% | 4,558 |
| Noninterest expense to average assets | 2.2933% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2352% | 4,815 |
| Return on assets (ROA) | 0.2602% | 4,811 |
| Pretax return on assets | 0.2832% | 4,835 |
| Return on Equity (ROE) | 3.1565% | 4,636 |
| Retained earnings to average equity (ytd only) | 3.1565% | 3,443 |
| Net charge-offs to loans | -0.0046% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9600% | 354 |
| Assets per employee ($millions) | 5.3862% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 4,526 |
| Loan loss allowance to noncurrent loans | 161.8090% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 3,076 |
| Noncurrent loans to loans | 0.4473% | 2,837 |
| Net loans and leases to total assets | 74.5403% | 1,666 |
| Net loans and leases to deposits | 82.1075% | 2,547 |
| Net loans and leases to core deposits | 89.6585% | 2,456 |
| Total domestic deposits to total assets | 90.7837% | 150 |
| Equity capital to assets | 8.6787% | 4,837 |
| Core capital (leverage) ratio | 8.7124% | 4,719 |
| Tier 1 risk-based capital ratio | 15.4279% | 2,606 |
| Total risk-based capital ratio | 16.3906% | 2,655 |
| Memoranda: | ||
| Average total assets | $117,605,000 | 3,738 |
| Average earning assets | $111,838,000 | 3,679 |
| Average equity | $9,694,200 | 4,280 |
| Average total loans | $86,629,000 | 3,474 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6239% | 4,863 |
| Cost of funding earning assets | 1.1207% | 1,272 |
| Net interest margin | 2.5031% | 5,064 |
| Noninterest income to average assets | 0.1829% | 4,631 |
| Noninterest expense to average assets | 2.2967% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2441% | 4,911 |
| Return on assets (ROA) | 0.2817% | 4,880 |
| Pretax return on assets | 0.3067% | 4,902 |
| Return on Equity (ROE) | 3.4636% | 4,686 |
| Retained earnings to average equity (ytd only) | 3.4636% | 3,676 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6277% | 336 |
| Assets per employee ($millions) | 5.9536% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7309% | 4,582 |
| Loan loss allowance to noncurrent loans | 160.4010% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 3,196 |
| Noncurrent loans to loans | 0.4557% | 2,938 |
| Net loans and leases to total assets | 73.0010% | 1,999 |
| Net loans and leases to deposits | 80.1658% | 2,878 |
| Net loans and leases to core deposits | 87.1889% | 2,806 |
| Total domestic deposits to total assets | 91.0625% | 95 |
| Equity capital to assets | 8.4874% | 5,008 |
| Core capital (leverage) ratio | 8.7065% | 4,835 |
| Tier 1 risk-based capital ratio | 15.3237% | 2,703 |
| Total risk-based capital ratio | 16.2794% | 2,764 |
| Memoranda: | ||
| Average total assets | $117,382,000 | 3,783 |
| Average earning assets | $111,590,000 | 3,719 |
| Average equity | $9,546,750 | 4,347 |
| Average total loans | $86,043,250 | 3,525 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6281% | 4,913 |
| Cost of funding earning assets | 1.0940% | 1,320 |
| Net interest margin | 2.5340% | 5,111 |
| Noninterest income to average assets | 0.1832% | 4,650 |
| Noninterest expense to average assets | 2.3404% | 3,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2387% | 4,954 |
| Return on assets (ROA) | 0.2568% | 4,943 |
| Pretax return on assets | 0.2688% | 4,963 |
| Return on Equity (ROE) | 3.2050% | 4,751 |
| Retained earnings to average equity (ytd only) | 3.2050% | 3,624 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3503% | 341 |
| Assets per employee ($millions) | 5.3740% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7430% | 4,619 |
| Loan loss allowance to noncurrent loans | 258.0645% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 3,739 |
| Noncurrent loans to loans | 0.2879% | 3,499 |
| Net loans and leases to total assets | 72.3134% | 2,172 |
| Net loans and leases to deposits | 79.1369% | 3,041 |
| Net loans and leases to core deposits | 86.6947% | 2,908 |
| Total domestic deposits to total assets | 91.3776% | 68 |
| Equity capital to assets | 8.3949% | 5,081 |
| Core capital (leverage) ratio | 8.6655% | 4,868 |
| Tier 1 risk-based capital ratio | 15.1566% | 2,768 |
| Total risk-based capital ratio | 16.1109% | 2,819 |
| Memoranda: | ||
| Average total assets | $116,819,000 | 3,812 |
| Average earning assets | $110,968,670 | 3,760 |
| Average equity | $9,360,330 | 4,388 |
| Average total loans | $85,536,670 | 3,559 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6159% | 4,951 |
| Cost of funding earning assets | 1.0601% | 1,337 |
| Net interest margin | 2.5558% | 5,165 |
| Noninterest income to average assets | 0.1964% | 4,586 |
| Noninterest expense to average assets | 2.3770% | 3,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2308% | 4,985 |
| Return on assets (ROA) | 0.2308% | 4,991 |
| Pretax return on assets | 0.2446% | 5,005 |
| Return on Equity (ROE) | 2.9522% | 4,794 |
| Retained earnings to average equity (ytd only) | 2.9522% | 3,752 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6702% | 369 |
| Assets per employee ($millions) | 5.3109% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7446% | 4,671 |
| Loan loss allowance to noncurrent loans | 253.9683% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 3,762 |
| Noncurrent loans to loans | 0.2932% | 3,517 |
| Net loans and leases to total assets | 73.0178% | 1,977 |
| Net loans and leases to deposits | 80.3114% | 2,801 |
| Net loans and leases to core deposits | 88.4147% | 2,644 |
| Total domestic deposits to total assets | 90.9183% | 187 |
| Equity capital to assets | 8.0478% | 5,166 |
| Core capital (leverage) ratio | 8.6667% | 4,899 |
| Tier 1 risk-based capital ratio | 14.9189% | 2,909 |
| Total risk-based capital ratio | 15.8660% | 2,978 |
| Memoranda: | ||
| Average total assets | $116,115,000 | 3,861 |
| Average earning assets | $110,179,000 | 3,812 |
| Average equity | $9,078,000 | 4,456 |
| Average total loans | $85,238,000 | 3,592 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5900% | 4,808 |
| Cost of funding earning assets | 0.9988% | 750 |
| Net interest margin | 2.5912% | 5,160 |
| Noninterest income to average assets | 0.1871% | 4,791 |
| Noninterest expense to average assets | 2.3974% | 3,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2350% | 5,076 |
| Return on assets (ROA) | 0.2350% | 5,075 |
| Pretax return on assets | 0.2323% | 5,097 |
| Return on Equity (ROE) | 3.0578% | 4,886 |
| Retained earnings to average equity (ytd only) | 3.0578% | 3,867 |
| Net charge-offs to loans | -0.0149% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1666% | 303 |
| Assets per employee ($millions) | 5.2450% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7572% | 4,657 |
| Loan loss allowance to noncurrent loans | 251.9685% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 3,725 |
| Noncurrent loans to loans | 0.3005% | 3,479 |
| Net loans and leases to total assets | 72.6943% | 2,147 |
| Net loans and leases to deposits | 79.2057% | 3,038 |
| Net loans and leases to core deposits | 87.8263% | 2,767 |
| Total domestic deposits to total assets | 91.7792% | 87 |
| Equity capital to assets | 7.5856% | 5,270 |
| Core capital (leverage) ratio | 8.5742% | 4,971 |
| Tier 1 risk-based capital ratio | 15.0236% | 2,824 |
| Total risk-based capital ratio | 15.9838% | 2,880 |
| Memoranda: | ||
| Average total assets | $112,787,600 | 3,901 |
| Average earning assets | $106,322,400 | 3,870 |
| Average equity | $8,666,400 | 4,501 |
| Average total loans | $80,753,800 | 3,653 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5565% | 4,860 |
| Cost of funding earning assets | 0.9662% | 697 |
| Net interest margin | 2.5903% | 5,224 |
| Noninterest income to average assets | 0.1890% | 4,840 |
| Noninterest expense to average assets | 2.4006% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2342% | 5,173 |
| Return on assets (ROA) | 0.2342% | 5,168 |
| Pretax return on assets | 0.2271% | 5,191 |
| Return on Equity (ROE) | 3.0384% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.0384% | 4,219 |
| Net charge-offs to loans | -0.0267% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3575% | 292 |
| Assets per employee ($millions) | 5.4363% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7722% | 4,704 |
| Loan loss allowance to noncurrent loans | 222.0690% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 3,685 |
| Noncurrent loans to loans | 0.3477% | 3,403 |
| Net loans and leases to total assets | 72.4902% | 2,255 |
| Net loans and leases to deposits | 80.3224% | 3,004 |
| Net loans and leases to core deposits | 86.4285% | 2,962 |
| Total domestic deposits to total assets | 90.2490% | 429 |
| Equity capital to assets | 7.3719% | 5,334 |
| Core capital (leverage) ratio | 8.6942% | 4,959 |
| Tier 1 risk-based capital ratio | 15.0594% | 2,857 |
| Total risk-based capital ratio | 16.0345% | 2,898 |
| Memoranda: | ||
| Average total assets | $112,137,000 | 3,953 |
| Average earning assets | $105,569,500 | 3,923 |
| Average equity | $8,644,750 | 4,549 |
| Average total loans | $79,811,750 | 3,701 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5452% | 4,858 |
| Cost of funding earning assets | 0.9254% | 649 |
| Net interest margin | 2.6198% | 5,264 |
| Noninterest income to average assets | 0.1938% | 4,856 |
| Noninterest expense to average assets | 2.4457% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2279% | 5,202 |
| Return on assets (ROA) | 0.2279% | 5,196 |
| Pretax return on assets | 0.2117% | 5,231 |
| Return on Equity (ROE) | 2.9125% | 5,040 |
| Retained earnings to average equity (ytd only) | 2.9125% | 4,086 |
| Net charge-offs to loans | -0.0407% | 4,848 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0324% | 311 |
| Assets per employee ($millions) | 5.3805% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 4,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 69.9463% | 2,592 |
| Net loans and leases to deposits | 79.2033% | 3,034 |
| Net loans and leases to core deposits | 84.7121% | 3,027 |
| Total domestic deposits to total assets | 88.3123% | 1,214 |
| Equity capital to assets | 7.5006% | 5,374 |
| Core capital (leverage) ratio | 8.7898% | 4,893 |
| Tier 1 risk-based capital ratio | 15.3235% | 2,716 |
| Total risk-based capital ratio | 16.3227% | 2,763 |
| Memoranda: | ||
| Average total assets | $111,461,670 | 3,994 |
| Average earning assets | $104,817,670 | 3,972 |
| Average equity | $8,721,000 | 4,579 |
| Average total loans | $78,615,330 | 3,735 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5179% | 4,848 |
| Cost of funding earning assets | 0.8996% | 592 |
| Net interest margin | 2.6183% | 5,314 |
| Noninterest income to average assets | 0.2096% | 4,762 |
| Noninterest expense to average assets | 2.5294% | 3,562 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1987% | 5,241 |
| Return on assets (ROA) | 0.1987% | 5,239 |
| Pretax return on assets | 0.1518% | 5,301 |
| Return on Equity (ROE) | 2.4876% | 5,107 |
| Retained earnings to average equity (ytd only) | 2.4876% | 4,171 |
| Net charge-offs to loans | -0.0051% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3396% | 290 |
| Assets per employee ($millions) | 5.2476% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8048% | 4,781 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.3527% | 2,420 |
| Net loans and leases to deposits | 79.9950% | 2,811 |
| Net loans and leases to core deposits | 85.2274% | 2,867 |
| Total domestic deposits to total assets | 87.9464% | 1,649 |
| Equity capital to assets | 7.7478% | 5,348 |
| Core capital (leverage) ratio | 8.8170% | 4,876 |
| Tier 1 risk-based capital ratio | 15.3491% | 2,718 |
| Total risk-based capital ratio | 16.3338% | 2,768 |
| Memoranda: | ||
| Average total assets | $110,697,000 | 4,054 |
| Average earning assets | $104,495,500 | 4,021 |
| Average equity | $8,844,000 | 4,603 |
| Average total loans | $78,084,500 | 3,776 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4904% | 4,800 |
| Cost of funding earning assets | 0.8944% | 385 |
| Net interest margin | 2.5961% | 5,354 |
| Noninterest income to average assets | 0.2183% | 4,841 |
| Noninterest expense to average assets | 2.4044% | 4,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1828% | 5,139 |
| Return on assets (ROA) | 0.2022% | 5,121 |
| Pretax return on assets | 0.2794% | 5,227 |
| Return on Equity (ROE) | 2.5105% | 4,948 |
| Retained earnings to average equity (ytd only) | 2.5105% | 3,821 |
| Net charge-offs to loans | -0.0212% | 4,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4971% | 410 |
| Assets per employee ($millions) | 5.0543% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 4,809 |
| Loan loss allowance to noncurrent loans | 250.1992% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 4,006 |
| Noncurrent loans to loans | 0.3217% | 3,617 |
| Net loans and leases to total assets | 69.5931% | 2,589 |
| Net loans and leases to deposits | 81.9216% | 2,723 |
| Net loans and leases to core deposits | 86.6523% | 2,863 |
| Total domestic deposits to total assets | 84.9508% | 2,852 |
| Equity capital to assets | 8.2288% | 5,287 |
| Core capital (leverage) ratio | 8.7413% | 4,911 |
| Tier 1 risk-based capital ratio | 15.1501% | 2,770 |
| Total risk-based capital ratio | 16.1335% | 2,837 |
| Memoranda: | ||
| Average total assets | $111,295,200 | 4,037 |
| Average earning assets | $104,543,400 | 4,012 |
| Average equity | $8,962,200 | 4,618 |
| Average total loans | $75,447,800 | 3,835 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5023% | 4,809 |
| Cost of funding earning assets | 0.9014% | 339 |
| Net interest margin | 2.6009% | 5,405 |
| Noninterest income to average assets | 0.2324% | 4,821 |
| Noninterest expense to average assets | 2.3595% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3105% | 5,201 |
| Return on assets (ROA) | 0.3437% | 5,150 |
| Pretax return on assets | 0.3461% | 5,265 |
| Return on Equity (ROE) | 4.2922% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.2922% | 3,347 |
| Net charge-offs to loans | -0.0267% | 4,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3012% | 491 |
| Assets per employee ($millions) | 5.0060% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8292% | 4,814 |
| Loan loss allowance to noncurrent loans | 88.0785% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6474% | 2,560 |
| Noncurrent loans to loans | 0.9414% | 2,038 |
| Net loans and leases to total assets | 68.1982% | 2,813 |
| Net loans and leases to deposits | 79.4996% | 3,016 |
| Net loans and leases to core deposits | 84.2207% | 3,114 |
| Total domestic deposits to total assets | 85.7843% | 2,395 |
| Equity capital to assets | 8.4217% | 5,332 |
| Core capital (leverage) ratio | 8.5752% | 5,188 |
| Tier 1 risk-based capital ratio | 15.1518% | 2,860 |
| Total risk-based capital ratio | 16.1390% | 2,896 |
| Memoranda: | ||
| Average total assets | $111,320,250 | 4,080 |
| Average earning assets | $104,423,250 | 4,060 |
| Average equity | $8,915,250 | 4,674 |
| Average total loans | $74,806,750 | 3,882 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4883% | 4,794 |
| Cost of funding earning assets | 0.9288% | 257 |
| Net interest margin | 2.5595% | 5,465 |
| Noninterest income to average assets | 0.2238% | 4,908 |
| Noninterest expense to average assets | 2.3595% | 4,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2954% | 5,236 |
| Return on assets (ROA) | 0.3348% | 5,162 |
| Pretax return on assets | 0.3061% | 5,331 |
| Return on Equity (ROE) | 4.2523% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.2523% | 3,179 |
| Net charge-offs to loans | -0.0054% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8432% | 464 |
| Assets per employee ($millions) | 5.0937% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8076% | 4,928 |
| Loan loss allowance to noncurrent loans | 120.3922% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 3,288 |
| Noncurrent loans to loans | 0.6708% | 2,741 |
| Net loans and leases to total assets | 67.2976% | 2,904 |
| Net loans and leases to deposits | 81.2819% | 2,768 |
| Net loans and leases to core deposits | 86.7926% | 2,813 |
| Total domestic deposits to total assets | 82.7952% | 3,629 |
| Equity capital to assets | 8.1482% | 5,468 |
| Core capital (leverage) ratio | 8.3598% | 5,313 |
| Tier 1 risk-based capital ratio | 14.8137% | 3,007 |
| Total risk-based capital ratio | 15.7672% | 3,081 |
| Memoranda: | ||
| Average total assets | $111,716,330 | 4,103 |
| Average earning assets | $104,863,670 | 4,075 |
| Average equity | $8,795,330 | 4,722 |
| Average total loans | $74,497,000 | 3,909 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4074% | 4,911 |
| Cost of funding earning assets | 0.9140% | 257 |
| Net interest margin | 2.4934% | 5,550 |
| Noninterest income to average assets | 0.2008% | 5,066 |
| Noninterest expense to average assets | 2.3238% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3156% | 5,153 |
| Return on assets (ROA) | 0.3192% | 5,173 |
| Pretax return on assets | 0.2187% | 5,416 |
| Return on Equity (ROE) | 4.1263% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.1263% | 3,398 |
| Net charge-offs to loans | -0.0054% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5254% | 475 |
| Assets per employee ($millions) | 5.0748% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8269% | 4,993 |
| Loan loss allowance to noncurrent loans | 113.5185% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 3,288 |
| Noncurrent loans to loans | 0.7284% | 2,676 |
| Net loans and leases to total assets | 65.8498% | 2,993 |
| Net loans and leases to deposits | 82.2671% | 2,470 |
| Net loans and leases to core deposits | 87.1603% | 2,625 |
| Total domestic deposits to total assets | 80.0439% | 4,611 |
| Equity capital to assets | 7.7433% | 5,616 |
| Core capital (leverage) ratio | 8.3925% | 5,314 |
| Tier 1 risk-based capital ratio | 14.6150% | 3,150 |
| Total risk-based capital ratio | 15.5638% | 3,229 |
| Memoranda: | ||
| Average total assets | $111,543,500 | 4,144 |
| Average earning assets | $104,595,000 | 4,113 |
| Average equity | $8,627,500 | 4,786 |
| Average total loans | $73,731,000 | 3,958 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3907% | 5,003 |
| Cost of funding earning assets | 0.8768% | 333 |
| Net interest margin | 2.5139% | 5,581 |
| Noninterest income to average assets | 0.2511% | 4,920 |
| Noninterest expense to average assets | 2.3763% | 4,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1988% | 5,420 |
| Return on assets (ROA) | 0.3093% | 5,263 |
| Pretax return on assets | 0.3530% | 5,291 |
| Return on Equity (ROE) | 3.7457% | 4,917 |
| Retained earnings to average equity (ytd only) | 3.7457% | 3,254 |
| Net charge-offs to loans | -0.1274% | 5,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2648% | 495 |
| Assets per employee ($millions) | 4.8453% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8346% | 5,002 |
| Loan loss allowance to noncurrent loans | 137.8378% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 3,676 |
| Noncurrent loans to loans | 0.6055% | 3,034 |
| Net loans and leases to total assets | 65.2528% | 3,187 |
| Net loans and leases to deposits | 84.2787% | 2,382 |
| Net loans and leases to core deposits | 90.3050% | 2,475 |
| Total domestic deposits to total assets | 77.4250% | 5,060 |
| Equity capital to assets | 7.7260% | 5,656 |
| Core capital (leverage) ratio | 8.4099% | 5,358 |
| Tier 1 risk-based capital ratio | 14.5577% | 3,174 |
| Total risk-based capital ratio | 15.5073% | 3,240 |
| Memoranda: | ||
| Average total assets | $109,918,000 | 4,162 |
| Average earning assets | $102,868,600 | 4,140 |
| Average equity | $9,077,000 | 4,743 |
| Average total loans | $70,643,000 | 4,031 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3877% | 5,050 |
| Cost of funding earning assets | 0.8743% | 331 |
| Net interest margin | 2.5135% | 5,648 |
| Noninterest income to average assets | 0.2532% | 4,951 |
| Noninterest expense to average assets | 2.4003% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1828% | 5,494 |
| Return on assets (ROA) | 0.3226% | 5,316 |
| Pretax return on assets | 0.3615% | 5,364 |
| Return on Equity (ROE) | 3.8430% | 4,959 |
| Retained earnings to average equity (ytd only) | 3.8430% | 3,570 |
| Net charge-offs to loans | -0.1677% | 5,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1495% | 457 |
| Assets per employee ($millions) | 4.8550% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 5,006 |
| Loan loss allowance to noncurrent loans | 135.8575% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 2,939 |
| Noncurrent loans to loans | 0.6338% | 3,115 |
| Net loans and leases to total assets | 62.8940% | 3,536 |
| Net loans and leases to deposits | 82.6031% | 2,653 |
| Net loans and leases to core deposits | 89.0441% | 2,663 |
| Total domestic deposits to total assets | 76.1400% | 5,220 |
| Equity capital to assets | 8.4495% | 5,557 |
| Core capital (leverage) ratio | 8.4511% | 5,398 |
| Tier 1 risk-based capital ratio | 14.7307% | 3,174 |
| Total risk-based capital ratio | 15.6917% | 3,245 |
| Memoranda: | ||
| Average total assets | $109,537,000 | 4,204 |
| Average earning assets | $102,484,250 | 4,177 |
| Average equity | $9,193,750 | 4,768 |
| Average total loans | $69,971,000 | 4,075 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4037% | 5,074 |
| Cost of funding earning assets | 0.8647% | 347 |
| Net interest margin | 2.5390% | 5,717 |
| Noninterest income to average assets | 0.2683% | 4,864 |
| Noninterest expense to average assets | 2.4038% | 4,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2204% | 5,490 |
| Return on assets (ROA) | 0.3455% | 5,275 |
| Pretax return on assets | 0.3749% | 5,380 |
| Return on Equity (ROE) | 4.1258% | 4,862 |
| Retained earnings to average equity (ytd only) | 4.1258% | 3,280 |
| Net charge-offs to loans | -0.2497% | 5,849 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9597% | 549 |
| Assets per employee ($millions) | 4.9424% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 5,073 |
| Loan loss allowance to noncurrent loans | 252.6971% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 4,058 |
| Noncurrent loans to loans | 0.3427% | 4,137 |
| Net loans and leases to total assets | 64.1127% | 3,346 |
| Net loans and leases to deposits | 81.6919% | 2,744 |
| Net loans and leases to core deposits | 92.7699% | 2,279 |
| Total domestic deposits to total assets | 78.4810% | 4,899 |
| Equity capital to assets | 8.6111% | 5,528 |
| Core capital (leverage) ratio | 8.4843% | 5,377 |
| Tier 1 risk-based capital ratio | 15.3140% | 2,934 |
| Total risk-based capital ratio | 16.3196% | 2,983 |
| Memoranda: | ||
| Average total assets | $108,828,000 | 4,249 |
| Average earning assets | $101,771,330 | 4,230 |
| Average equity | $9,113,330 | 4,821 |
| Average total loans | $69,681,330 | 4,101 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4155% | 5,090 |
| Cost of funding earning assets | 0.8539% | 382 |
| Net interest margin | 2.5616% | 5,756 |
| Noninterest income to average assets | 0.2094% | 5,231 |
| Noninterest expense to average assets | 2.3991% | 4,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2057% | 5,514 |
| Return on assets (ROA) | 0.3453% | 5,250 |
| Pretax return on assets | 0.3417% | 5,420 |
| Return on Equity (ROE) | 4.1831% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.1831% | 3,391 |
| Net charge-offs to loans | -0.4959% | 5,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2316% | 534 |
| Assets per employee ($millions) | 4.9725% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 5,150 |
| Loan loss allowance to noncurrent loans | 251.2397% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 4,428 |
| Noncurrent loans to loans | 0.3463% | 4,193 |
| Net loans and leases to total assets | 63.3241% | 3,341 |
| Net loans and leases to deposits | 80.8596% | 2,689 |
| Net loans and leases to core deposits | 92.3309% | 2,156 |
| Total domestic deposits to total assets | 78.3136% | 5,087 |
| Equity capital to assets | 8.3467% | 5,665 |
| Core capital (leverage) ratio | 8.4582% | 5,426 |
| Tier 1 risk-based capital ratio | 15.6731% | 2,834 |
| Total risk-based capital ratio | 16.7161% | 2,870 |
| Memoranda: | ||
| Average total assets | $108,876,000 | 4,282 |
| Average earning assets | $101,655,500 | 4,258 |
| Average equity | $8,988,500 | 4,864 |
| Average total loans | $69,362,000 | 4,126 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3952% | 5,168 |
| Cost of funding earning assets | 0.8390% | 404 |
| Net interest margin | 2.5562% | 5,792 |
| Noninterest income to average assets | 0.2697% | 4,941 |
| Noninterest expense to average assets | 2.4363% | 4,421 |
| Loan and lease loss provision to assets | 0.0383% | 3,575 |
| Net operating income to assets | 0.1808% | 5,619 |
| Return on assets (ROA) | 0.2697% | 5,518 |
| Pretax return on assets | 0.2592% | 5,600 |
| Return on Equity (ROE) | 3.2137% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.2137% | 3,770 |
| Net charge-offs to loans | 0.1462% | 1,901 |
| Credit loss provision to net charge-offs | 42.1053% | 3,504 |
| Earnings coverage of net charge-offs (x) | 2.2947% | 3,934 |
| Efficiency ratio | 92.1157% | 568 |
| Assets per employee ($millions) | 4.9253% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7583% | 5,508 |
| Loan loss allowance to noncurrent loans | 330.3797% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 5,008 |
| Noncurrent loans to loans | 0.2295% | 4,603 |
| Net loans and leases to total assets | 63.0514% | 3,402 |
| Net loans and leases to deposits | 80.4768% | 2,770 |
| Net loans and leases to core deposits | 91.2393% | 2,295 |
| Total domestic deposits to total assets | 78.3473% | 5,094 |
| Equity capital to assets | 8.1638% | 5,776 |
| Core capital (leverage) ratio | 8.4210% | 5,501 |
| Tier 1 risk-based capital ratio | 15.9775% | 2,695 |
| Total risk-based capital ratio | 16.9015% | 2,787 |
| Memoranda: | ||
| Average total assets | $104,543,200 | 4,368 |
| Average earning assets | $97,136,800 | 4,367 |
| Average equity | $8,775,000 | 4,899 |
| Average total loans | $64,995,400 | 4,230 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3691% | 5,278 |
| Cost of funding earning assets | 0.8319% | 420 |
| Net interest margin | 2.5372% | 5,890 |
| Noninterest income to average assets | 0.2497% | 5,149 |
| Noninterest expense to average assets | 2.4596% | 4,318 |
| Loan and lease loss provision to assets | 0.0360% | 3,497 |
| Net operating income to assets | 0.1480% | 5,777 |
| Return on assets (ROA) | 0.2433% | 5,664 |
| Pretax return on assets | 0.2046% | 5,784 |
| Return on Equity (ROE) | 2.8775% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.8775% | 4,398 |
| Net charge-offs to loans | 0.2020% | 1,277 |
| Credit loss provision to net charge-offs | 28.8660% | 3,284 |
| Earnings coverage of net charge-offs (x) | 1.1649% | 3,880 |
| Efficiency ratio | 94.4170% | 469 |
| Assets per employee ($millions) | 4.8942% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7387% | 5,646 |
| Loan loss allowance to noncurrent loans | 317.5000% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 4,069 |
| Noncurrent loans to loans | 0.2327% | 4,734 |
| Net loans and leases to total assets | 63.3953% | 3,395 |
| Net loans and leases to deposits | 80.1275% | 2,868 |
| Net loans and leases to core deposits | 91.1518% | 2,341 |
| Total domestic deposits to total assets | 79.1181% | 4,948 |
| Equity capital to assets | 8.2064% | 5,869 |
| Core capital (leverage) ratio | 8.5792% | 5,485 |
| Tier 1 risk-based capital ratio | 16.4204% | 2,616 |
| Total risk-based capital ratio | 17.3541% | 2,707 |
| Memoranda: | ||
| Average total assets | $103,590,000 | 4,435 |
| Average earning assets | $96,165,000 | 4,435 |
| Average equity | $8,757,250 | 4,965 |
| Average total loans | $64,033,750 | 4,301 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3415% | 5,360 |
| Cost of funding earning assets | 0.8338% | 420 |
| Net interest margin | 2.5077% | 5,955 |
| Noninterest income to average assets | 0.2348% | 5,278 |
| Noninterest expense to average assets | 2.5140% | 4,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1096% | 5,865 |
| Return on assets (ROA) | 0.2445% | 5,666 |
| Pretax return on assets | 0.1800% | 5,845 |
| Return on Equity (ROE) | 2.8634% | 5,445 |
| Retained earnings to average equity (ytd only) | 2.8634% | 4,214 |
| Net charge-offs to loans | 0.3138% | 843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.2347% | 3,686 |
| Efficiency ratio | 98.2416% | 371 |
| Assets per employee ($millions) | 4.7115% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7454% | 5,721 |
| Loan loss allowance to noncurrent loans | 295.6790% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 3,526 |
| Noncurrent loans to loans | 0.2521% | 4,768 |
| Net loans and leases to total assets | 61.5365% | 3,620 |
| Net loans and leases to deposits | 79.7881% | 2,823 |
| Net loans and leases to core deposits | 88.5128% | 2,507 |
| Total domestic deposits to total assets | 77.1249% | 5,439 |
| Equity capital to assets | 8.3007% | 5,832 |
| Core capital (leverage) ratio | 8.7029% | 5,320 |
| Tier 1 risk-based capital ratio | 16.9709% | 2,414 |
| Total risk-based capital ratio | 17.8875% | 2,500 |
| Memoranda: | ||
| Average total assets | $102,229,330 | 4,511 |
| Average earning assets | $94,747,670 | 4,502 |
| Average equity | $8,731,000 | 5,001 |
| Average total loans | $62,456,000 | 4,388 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3745% | 5,265 |
| Cost of funding earning assets | 0.8319% | 419 |
| Net interest margin | 2.5425% | 5,972 |
| Noninterest income to average assets | 0.2955% | 4,807 |
| Noninterest expense to average assets | 2.5493% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2049% | 5,673 |
| Return on assets (ROA) | 0.3861% | 5,242 |
| Pretax return on assets | 0.2876% | 5,670 |
| Return on Equity (ROE) | 4.4573% | 4,778 |
| Retained earnings to average equity (ytd only) | 4.4573% | 3,345 |
| Net charge-offs to loans | 0.6434% | 374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.2727% | 3,077 |
| Efficiency ratio | 95.9941% | 503 |
| Assets per employee ($millions) | 4.6029% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7580% | 5,795 |
| Loan loss allowance to noncurrent loans | 295.0617% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 4,695 |
| Noncurrent loans to loans | 0.2569% | 4,864 |
| Net loans and leases to total assets | 61.8048% | 3,405 |
| Net loans and leases to deposits | 79.3272% | 2,636 |
| Net loans and leases to core deposits | 88.1232% | 2,318 |
| Total domestic deposits to total assets | 77.9112% | 5,469 |
| Equity capital to assets | 8.7988% | 5,502 |
| Core capital (leverage) ratio | 8.7947% | 5,209 |
| Tier 1 risk-based capital ratio | 16.3715% | 2,745 |
| Total risk-based capital ratio | 17.2560% | 2,851 |
| Memoranda: | ||
| Average total assets | $101,517,000 | 4,564 |
| Average earning assets | $94,237,500 | 4,543 |
| Average equity | $8,794,500 | 5,039 |
| Average total loans | $61,552,000 | 4,449 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4234% | 5,480 |
| Cost of funding earning assets | 0.8755% | 446 |
| Net interest margin | 2.5479% | 6,114 |
| Noninterest income to average assets | 0.3314% | 4,740 |
| Noninterest expense to average assets | 2.5715% | 4,320 |
| Loan and lease loss provision to assets | 0.1063% | 2,374 |
| Net operating income to assets | -0.0076% | 6,095 |
| Return on assets (ROA) | 0.2075% | 5,813 |
| Pretax return on assets | 0.2271% | 5,825 |
| Return on Equity (ROE) | 2.4256% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.4256% | 4,508 |
| Net charge-offs to loans | 0.0208% | 4,426 |
| Credit loss provision to net charge-offs | 858.3333% | 318 |
| Earnings coverage of net charge-offs (x) | 7.8333% | 2,968 |
| Efficiency ratio | 96.3636% | 485 |
| Assets per employee ($millions) | 4.6259% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 5,239 |
| Loan loss allowance to noncurrent loans | 216.1049% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 3,352 |
| Noncurrent loans to loans | 0.4447% | 4,311 |
| Net loans and leases to total assets | 58.4288% | 4,001 |
| Net loans and leases to deposits | 74.3911% | 3,384 |
| Net loans and leases to core deposits | 77.9046% | 3,533 |
| Total domestic deposits to total assets | 78.5428% | 5,341 |
| Equity capital to assets | 8.5281% | 5,727 |
| Core capital (leverage) ratio | 8.9419% | 5,076 |
| Tier 1 risk-based capital ratio | 17.9791% | 2,146 |
| Total risk-based capital ratio | 19.1586% | 2,135 |
| Memoranda: | ||
| Average total assets | $96,868,800 | 4,680 |
| Average earning assets | $88,858,800 | 4,681 |
| Average equity | $8,286,600 | 5,131 |
| Average total loans | $57,613,200 | 4,563 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4360% | 5,527 |
| Cost of funding earning assets | 0.8830% | 464 |
| Net interest margin | 2.5530% | 6,182 |
| Noninterest income to average assets | 0.3346% | 4,764 |
| Noninterest expense to average assets | 2.5553% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1068% | 6,018 |
| Return on assets (ROA) | 0.2133% | 5,876 |
| Pretax return on assets | 0.2328% | 5,896 |
| Return on Equity (ROE) | 2.4912% | 5,706 |
| Retained earnings to average equity (ytd only) | 2.4912% | 4,801 |
| Net charge-offs to loans | 0.0982% | 2,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,019 |
| Efficiency ratio | 95.6182% | 518 |
| Assets per employee ($millions) | 4.6488% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7443% | 6,010 |
| Loan loss allowance to noncurrent loans | 165.6716% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8369% | 3,328 |
| Noncurrent loans to loans | 0.4493% | 4,552 |
| Net loans and leases to total assets | 60.6504% | 3,680 |
| Net loans and leases to deposits | 77.2543% | 3,034 |
| Net loans and leases to core deposits | 81.1007% | 3,190 |
| Total domestic deposits to total assets | 78.5076% | 5,432 |
| Equity capital to assets | 8.5204% | 5,782 |
| Core capital (leverage) ratio | 9.1075% | 4,924 |
| Tier 1 risk-based capital ratio | 16.5456% | 2,798 |
| Total risk-based capital ratio | 17.3854% | 2,945 |
| Memoranda: | ||
| Average total assets | $95,643,500 | 4,748 |
| Average earning assets | $87,581,500 | 4,751 |
| Average equity | $8,188,500 | 5,196 |
| Average total loans | $57,006,500 | 4,627 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5431% | 5,302 |
| Cost of funding earning assets | 0.8771% | 488 |
| Net interest margin | 2.6659% | 6,090 |
| Noninterest income to average assets | 0.3453% | 4,665 |
| Noninterest expense to average assets | 2.5668% | 4,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2042% | 5,826 |
| Return on assets (ROA) | 0.2042% | 5,884 |
| Pretax return on assets | 0.2169% | 5,920 |
| Return on Equity (ROE) | 2.3817% | 5,737 |
| Retained earnings to average equity (ytd only) | 2.3817% | 4,693 |
| Net charge-offs to loans | 0.0356% | 3,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.3000% | 2,264 |
| Efficiency ratio | 92.2088% | 750 |
| Assets per employee ($millions) | 4.5870% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 5,816 |
| Loan loss allowance to noncurrent loans | 5,937.5000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 4,892 |
| Noncurrent loans to loans | 0.0146% | 6,036 |
| Net loans and leases to total assets | 56.2434% | 4,253 |
| Net loans and leases to deposits | 72.0822% | 3,555 |
| Net loans and leases to core deposits | 76.0155% | 3,627 |
| Total domestic deposits to total assets | 78.0267% | 5,626 |
| Equity capital to assets | 8.8263% | 5,499 |
| Core capital (leverage) ratio | 9.0544% | 4,934 |
| Tier 1 risk-based capital ratio | 17.7812% | 2,316 |
| Total risk-based capital ratio | 18.7529% | 2,389 |
| Memoranda: | ||
| Average total assets | $94,983,000 | 4,797 |
| Average earning assets | $86,874,000 | 4,808 |
| Average equity | $8,145,330 | 5,230 |
| Average total loans | $56,124,000 | 4,683 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6279% | 5,076 |
| Cost of funding earning assets | 0.8675% | 535 |
| Net interest margin | 2.7604% | 6,015 |
| Noninterest income to average assets | 0.3435% | 4,628 |
| Noninterest expense to average assets | 2.5872% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2884% | 5,540 |
| Return on assets (ROA) | 0.2884% | 5,582 |
| Pretax return on assets | 0.2799% | 5,764 |
| Return on Equity (ROE) | 3.4141% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.4141% | 4,085 |
| Net charge-offs to loans | -0.0141% | 5,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2367% | 1,011 |
| Assets per employee ($millions) | 4.5296% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 5,947 |
| Loan loss allowance to noncurrent loans | 9,760.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 4,631 |
| Noncurrent loans to loans | 0.0089% | 6,150 |
| Net loans and leases to total assets | 58.4323% | 3,776 |
| Net loans and leases to deposits | 74.7773% | 2,972 |
| Net loans and leases to core deposits | 77.9038% | 3,214 |
| Total domestic deposits to total assets | 78.1418% | 5,814 |
| Equity capital to assets | 8.5711% | 5,577 |
| Core capital (leverage) ratio | 9.2242% | 4,686 |
| Tier 1 risk-based capital ratio | 17.8035% | 2,372 |
| Total risk-based capital ratio | 18.8064% | 2,430 |
| Memoranda: | ||
| Average total assets | $94,311,500 | 4,867 |
| Average earning assets | $86,220,500 | 4,863 |
| Average equity | $7,967,000 | 5,303 |
| Average total loans | $56,860,000 | 4,690 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6604% | 5,246 |
| Cost of funding earning assets | 0.9723% | 524 |
| Net interest margin | 2.6881% | 6,157 |
| Noninterest income to average assets | 0.2474% | 5,571 |
| Noninterest expense to average assets | 2.6399% | 4,315 |
| Loan and lease loss provision to assets | 0.0275% | 4,577 |
| Net operating income to assets | 0.0891% | 6,071 |
| Return on assets (ROA) | 0.1308% | 6,039 |
| Pretax return on assets | 0.1264% | 6,054 |
| Return on Equity (ROE) | 1.4134% | 6,004 |
| Retained earnings to average equity (ytd only) | 1.4134% | 5,189 |
| Net charge-offs to loans | 0.2304% | 2,614 |
| Credit loss provision to net charge-offs | 18.9394% | 4,465 |
| Earnings coverage of net charge-offs (x) | 0.7727% | 4,831 |
| Efficiency ratio | 95.9249% | 647 |
| Assets per employee ($millions) | 4.0653% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 6,077 |
| Loan loss allowance to noncurrent loans | 8,100.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 5,097 |
| Noncurrent loans to loans | 0.0104% | 6,256 |
| Net loans and leases to total assets | 61.1373% | 3,509 |
| Net loans and leases to deposits | 78.2094% | 2,697 |
| Net loans and leases to core deposits | 81.5592% | 2,952 |
| Total domestic deposits to total assets | 78.1714% | 5,803 |
| Equity capital to assets | 8.3218% | 5,768 |
| Core capital (leverage) ratio | 9.2229% | 4,686 |
| Tier 1 risk-based capital ratio | 17.4203% | 2,448 |
| Total risk-based capital ratio | 18.4053% | 2,512 |
| Memoranda: | ||
| Average total assets | $90,950,200 | 4,956 |
| Average earning assets | $84,744,600 | 4,916 |
| Average equity | $8,419,600 | 5,235 |
| Average total loans | $57,298,000 | 4,707 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 5,220 |
| Cost of funding earning assets | 1.0032% | 484 |
| Net interest margin | 2.6769% | 6,212 |
| Noninterest income to average assets | 0.2702% | 5,517 |
| Noninterest expense to average assets | 2.6677% | 4,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1017% | 6,136 |
| Return on assets (ROA) | 0.1550% | 6,093 |
| Pretax return on assets | 0.1639% | 6,108 |
| Return on Equity (ROE) | 1.6318% | 6,041 |
| Retained earnings to average equity (ytd only) | 1.6318% | 5,323 |
| Net charge-offs to loans | 0.0210% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 8.1108% | 2,677 |
| Efficiency ratio | 96.1170% | 614 |
| Assets per employee ($millions) | 3.9882% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 5,668 |
| Loan loss allowance to noncurrent loans | 125.8621% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5974% | 4,648 |
| Noncurrent loans to loans | 0.8031% | 4,233 |
| Net loans and leases to total assets | 62.3517% | 3,296 |
| Net loans and leases to deposits | 78.8937% | 2,542 |
| Net loans and leases to core deposits | 81.6311% | 2,918 |
| Total domestic deposits to total assets | 79.0326% | 5,736 |
| Equity capital to assets | 8.7694% | 5,448 |
| Core capital (leverage) ratio | 9.5329% | 4,356 |
| Tier 1 risk-based capital ratio | 18.2404% | 2,231 |
| Total risk-based capital ratio | 19.4818% | 2,200 |
| Memoranda: | ||
| Average total assets | $90,312,500 | 5,033 |
| Average earning assets | $84,525,000 | 4,963 |
| Average equity | $8,579,250 | 5,244 |
| Average total loans | $57,210,000 | 4,752 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7314% | 5,045 |
| Cost of funding earning assets | 1.0066% | 528 |
| Net interest margin | 2.7248% | 6,138 |
| Noninterest income to average assets | 0.2627% | 5,580 |
| Noninterest expense to average assets | 2.6870% | 4,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1103% | 6,110 |
| Return on assets (ROA) | 0.1848% | 6,061 |
| Pretax return on assets | 0.2093% | 6,067 |
| Return on Equity (ROE) | 1.8955% | 5,982 |
| Retained earnings to average equity (ytd only) | 1.8955% | 5,058 |
| Net charge-offs to loans | 0.0351% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.6000% | 2,860 |
| Efficiency ratio | 95.5661% | 677 |
| Assets per employee ($millions) | 4.0770% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 5,761 |
| Loan loss allowance to noncurrent loans | 1,421.9512% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.6444% | 4,617 |
| Noncurrent loans to loans | 0.0714% | 6,180 |
| Net loans and leases to total assets | 63.4071% | 3,021 |
| Net loans and leases to deposits | 80.9131% | 2,193 |
| Net loans and leases to core deposits | 83.4931% | 2,628 |
| Total domestic deposits to total assets | 78.3645% | 5,903 |
| Equity capital to assets | 9.2068% | 4,985 |
| Core capital (leverage) ratio | 9.5883% | 4,099 |
| Tier 1 risk-based capital ratio | 18.4858% | 2,149 |
| Total risk-based capital ratio | 19.7365% | 2,108 |
| Memoranda: | ||
| Average total assets | $89,840,670 | 5,064 |
| Average earning assets | $84,043,670 | 5,006 |
| Average equity | $8,757,670 | 5,232 |
| Average total loans | $57,020,670 | 4,783 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7028% | 5,151 |
| Cost of funding earning assets | 1.0077% | 594 |
| Net interest margin | 2.6951% | 6,218 |
| Noninterest income to average assets | 0.2714% | 5,511 |
| Noninterest expense to average assets | 2.7805% | 3,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0578% | 6,234 |
| Return on assets (ROA) | 0.0578% | 6,320 |
| Pretax return on assets | 0.0133% | 6,388 |
| Return on Equity (ROE) | 0.5773% | 6,314 |
| Retained earnings to average equity (ytd only) | 0.5773% | 5,599 |
| Net charge-offs to loans | 0.1760% | 2,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.1200% | 3,778 |
| Efficiency ratio | 99.5223% | 568 |
| Assets per employee ($millions) | 3.6094% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 5,969 |
| Loan loss allowance to noncurrent loans | 86.3222% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.8223% | 4,321 |
| Noncurrent loans to loans | 1.1649% | 3,827 |
| Net loans and leases to total assets | 61.9671% | 3,069 |
| Net loans and leases to deposits | 79.9051% | 2,086 |
| Net loans and leases to core deposits | 82.4574% | 2,516 |
| Total domestic deposits to total assets | 77.5508% | 6,180 |
| Equity capital to assets | 9.9185% | 4,250 |
| Core capital (leverage) ratio | 9.5669% | 3,980 |
| Tier 1 risk-based capital ratio | 19.0913% | 2,017 |
| Total risk-based capital ratio | 20.3419% | 1,995 |
| Memoranda: | ||
| Average total assets | $89,913,500 | 5,100 |
| Average earning assets | $84,153,000 | 5,039 |
| Average equity | $9,007,500 | 5,219 |
| Average total loans | $56,803,000 | 4,826 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 5,279 |
| Cost of funding earning assets | 1.1265% | 822 |
| Net interest margin | 2.8795% | 6,261 |
| Noninterest income to average assets | 0.3484% | 4,976 |
| Noninterest expense to average assets | 2.6426% | 4,590 |
| Loan and lease loss provision to assets | 0.0555% | 5,100 |
| Net operating income to assets | 0.2750% | 5,558 |
| Return on assets (ROA) | 0.2809% | 5,749 |
| Pretax return on assets | 0.3604% | 5,680 |
| Return on Equity (ROE) | 2.8829% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.8829% | 4,210 |
| Net charge-offs to loans | 0.0244% | 5,561 |
| Credit loss provision to net charge-offs | 364.2857% | 669 |
| Earnings coverage of net charge-offs (x) | 26.7857% | 1,088 |
| Efficiency ratio | 86.6167% | 1,363 |
| Assets per employee ($millions) | 3.5837% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 5,816 |
| Loan loss allowance to noncurrent loans | 88.9055% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.7445% | 4,613 |
| Noncurrent loans to loans | 1.1677% | 3,902 |
| Net loans and leases to total assets | 63.0960% | 3,038 |
| Net loans and leases to deposits | 81.8229% | 2,022 |
| Net loans and leases to core deposits | 84.8338% | 2,449 |
| Total domestic deposits to total assets | 77.1129% | 6,211 |
| Equity capital to assets | 10.1181% | 4,014 |
| Core capital (leverage) ratio | 9.4313% | 4,210 |
| Tier 1 risk-based capital ratio | 19.2802% | 1,872 |
| Total risk-based capital ratio | 20.5314% | 1,847 |
| Memoranda: | ||
| Average total assets | $91,841,800 | 5,029 |
| Average earning assets | $86,196,000 | 4,957 |
| Average equity | $8,949,400 | 5,238 |
| Average total loans | $57,474,000 | 4,817 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 5,323 |
| Cost of funding earning assets | 1.1440% | 884 |
| Net interest margin | 2.9176% | 6,322 |
| Noninterest income to average assets | 0.3275% | 5,177 |
| Noninterest expense to average assets | 2.6275% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3330% | 5,501 |
| Return on assets (ROA) | 0.3405% | 5,675 |
| Pretax return on assets | 0.4516% | 5,591 |
| Return on Equity (ROE) | 3.5274% | 5,484 |
| Retained earnings to average equity (ytd only) | 3.5274% | 4,394 |
| Net charge-offs to loans | 0.0533% | 4,907 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 13.3026% | 1,926 |
| Efficiency ratio | 85.6135% | 1,419 |
| Assets per employee ($millions) | 3.7008% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 6,271 |
| Loan loss allowance to noncurrent loans | 131.6049% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 5,576 |
| Noncurrent loans to loans | 0.7133% | 5,011 |
| Net loans and leases to total assets | 60.7955% | 3,611 |
| Net loans and leases to deposits | 80.5418% | 2,309 |
| Net loans and leases to core deposits | 83.8246% | 2,718 |
| Total domestic deposits to total assets | 75.4831% | 6,455 |
| Equity capital to assets | 9.8768% | 4,673 |
| Core capital (leverage) ratio | 9.3247% | 4,540 |
| Tier 1 risk-based capital ratio | 19.2416% | 1,935 |
| Total risk-based capital ratio | 20.4548% | 1,919 |
| Memoranda: | ||
| Average total assets | $92,404,250 | 5,067 |
| Average earning assets | $86,826,750 | 4,990 |
| Average equity | $8,920,500 | 5,293 |
| Average total loans | $57,562,000 | 4,860 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 5,261 |
| Cost of funding earning assets | 1.1484% | 1,036 |
| Net interest margin | 2.9673% | 6,302 |
| Noninterest income to average assets | 0.3226% | 5,244 |
| Noninterest expense to average assets | 2.5875% | 4,820 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3919% | 5,237 |
| Return on assets (ROA) | 0.3919% | 5,482 |
| Pretax return on assets | 0.5327% | 5,362 |
| Return on Equity (ROE) | 4.0913% | 5,219 |
| Retained earnings to average equity (ytd only) | 4.0913% | 3,884 |
| Net charge-offs to loans | 0.0830% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 2,074 |
| Efficiency ratio | 82.9285% | 1,759 |
| Assets per employee ($millions) | 3.8575% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 6,389 |
| Loan loss allowance to noncurrent loans | 69.8163% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 0.8231% | 4,751 |
| Noncurrent loans to loans | 1.3281% | 3,927 |
| Net loans and leases to total assets | 61.4003% | 3,551 |
| Net loans and leases to deposits | 81.0820% | 2,219 |
| Net loans and leases to core deposits | 84.3873% | 2,640 |
| Total domestic deposits to total assets | 75.7261% | 6,499 |
| Equity capital to assets | 9.7299% | 4,718 |
| Core capital (leverage) ratio | 9.2055% | 4,604 |
| Tier 1 risk-based capital ratio | 19.0657% | 1,952 |
| Total risk-based capital ratio | 20.2733% | 1,945 |
| Memoranda: | ||
| Average total assets | $92,365,670 | 5,104 |
| Average earning assets | $87,081,330 | 5,023 |
| Average equity | $8,848,000 | 5,305 |
| Average total loans | $57,822,330 | 4,877 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 5,236 |
| Cost of funding earning assets | 1.1610% | 1,143 |
| Net interest margin | 3.0011% | 6,292 |
| Noninterest income to average assets | 0.2992% | 5,484 |
| Noninterest expense to average assets | 2.6404% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3642% | 5,406 |
| Return on assets (ROA) | 0.3642% | 5,590 |
| Pretax return on assets | 0.4943% | 5,447 |
| Return on Equity (ROE) | 3.8321% | 5,365 |
| Retained earnings to average equity (ytd only) | 3.8321% | 4,289 |
| Net charge-offs to loans | -0.0138% | 6,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2324% | 1,663 |
| Assets per employee ($millions) | 4.0213% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 6,337 |
| Loan loss allowance to noncurrent loans | 70.1887% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 0.8596% | 4,805 |
| Noncurrent loans to loans | 1.3890% | 4,026 |
| Net loans and leases to total assets | 61.2797% | 3,395 |
| Net loans and leases to deposits | 80.5678% | 2,133 |
| Net loans and leases to core deposits | 83.5106% | 2,606 |
| Total domestic deposits to total assets | 76.0599% | 6,536 |
| Equity capital to assets | 9.4887% | 4,822 |
| Core capital (leverage) ratio | 9.0839% | 4,710 |
| Tier 1 risk-based capital ratio | 19.2699% | 1,912 |
| Total risk-based capital ratio | 20.5208% | 1,880 |
| Memoranda: | ||
| Average total assets | $92,258,000 | 5,147 |
| Average earning assets | $87,167,000 | 5,048 |
| Average equity | $8,768,000 | 5,344 |
| Average total loans | $58,045,000 | 4,904 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5707% | 4,785 |
| Cost of funding earning assets | 1.3596% | 1,200 |
| Net interest margin | 3.2111% | 6,058 |
| Noninterest income to average assets | 0.1716% | 6,256 |
| Noninterest expense to average assets | 2.6199% | 5,016 |
| Loan and lease loss provision to assets | 0.0579% | 5,875 |
| Net operating income to assets | 0.3571% | 5,046 |
| Return on assets (ROA) | 0.3571% | 5,210 |
| Pretax return on assets | 0.5105% | 4,961 |
| Return on Equity (ROE) | 3.9825% | 4,856 |
| Retained earnings to average equity (ytd only) | 3.9825% | 3,361 |
| Net charge-offs to loans | 0.1273% | 5,121 |
| Credit loss provision to net charge-offs | 67.5000% | 4,945 |
| Earnings coverage of net charge-offs (x) | 6.6250% | 2,477 |
| Efficiency ratio | 82.1729% | 1,992 |
| Assets per employee ($millions) | 4.0012% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 6,416 |
| Loan loss allowance to noncurrent loans | 69.2403% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 4,721 |
| Noncurrent loans to loans | 1.3644% | 4,096 |
| Net loans and leases to total assets | 63.3499% | 3,322 |
| Net loans and leases to deposits | 83.4966% | 1,986 |
| Net loans and leases to core deposits | 87.1539% | 2,480 |
| Total domestic deposits to total assets | 75.8712% | 6,501 |
| Equity capital to assets | 9.5189% | 4,854 |
| Core capital (leverage) ratio | 8.9445% | 4,875 |
| Tier 1 risk-based capital ratio | 19.0215% | 1,883 |
| Total risk-based capital ratio | 20.2712% | 1,844 |
| Memoranda: | ||
| Average total assets | $93,246,400 | 5,091 |
| Average earning assets | $87,601,600 | 5,002 |
| Average equity | $8,361,600 | 5,459 |
| Average total loans | $62,844,600 | 4,756 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 4,815 |
| Cost of funding earning assets | 1.3969% | 1,245 |
| Net interest margin | 3.2170% | 6,121 |
| Noninterest income to average assets | 0.1211% | 6,658 |
| Noninterest expense to average assets | 2.5825% | 5,141 |
| Loan and lease loss provision to assets | 0.0770% | 5,482 |
| Net operating income to assets | 0.3420% | 5,242 |
| Return on assets (ROA) | 0.3420% | 5,415 |
| Pretax return on assets | 0.4846% | 5,211 |
| Return on Equity (ROE) | 3.8730% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.8730% | 3,970 |
| Net charge-offs to loans | 0.0647% | 5,315 |
| Credit loss provision to net charge-offs | 174.1935% | 1,711 |
| Earnings coverage of net charge-offs (x) | 12.7104% | 1,678 |
| Efficiency ratio | 82.1396% | 1,952 |
| Assets per employee ($millions) | 4.2910% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 6,382 |
| Loan loss allowance to noncurrent loans | 72.6291% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.1334% | 4,517 |
| Noncurrent loans to loans | 1.3382% | 4,293 |
| Net loans and leases to total assets | 65.2967% | 3,055 |
| Net loans and leases to deposits | 87.7142% | 1,465 |
| Net loans and leases to core deposits | 92.3614% | 1,957 |
| Total domestic deposits to total assets | 74.4425% | 6,708 |
| Equity capital to assets | 9.1597% | 5,573 |
| Core capital (leverage) ratio | 8.6909% | 5,425 |
| Tier 1 risk-based capital ratio | 18.0232% | 2,242 |
| Total risk-based capital ratio | 19.2737% | 2,204 |
| Memoranda: | ||
| Average total assets | $93,551,250 | 5,119 |
| Average earning assets | $87,905,750 | 5,030 |
| Average equity | $8,262,000 | 5,523 |
| Average total loans | $63,842,000 | 4,760 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 4,591 |
| Cost of funding earning assets | 1.4281% | 1,290 |
| Net interest margin | 3.2589% | 5,977 |
| Noninterest income to average assets | 0.1523% | 6,562 |
| Noninterest expense to average assets | 2.6140% | 5,138 |
| Loan and lease loss provision to assets | 0.1158% | 4,830 |
| Net operating income to assets | 0.3324% | 5,237 |
| Return on assets (ROA) | 0.3324% | 5,378 |
| Pretax return on assets | 0.4761% | 5,145 |
| Return on Equity (ROE) | 3.8113% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.8113% | 3,788 |
| Net charge-offs to loans | 0.2361% | 3,706 |
| Credit loss provision to net charge-offs | 71.0526% | 4,033 |
| Earnings coverage of net charge-offs (x) | 3.6316% | 3,103 |
| Efficiency ratio | 81.5385% | 2,164 |
| Assets per employee ($millions) | 4.2504% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8864% | 6,696 |
| Loan loss allowance to noncurrent loans | 64.8148% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.4993% | 3,952 |
| Noncurrent loans to loans | 1.3676% | 4,368 |
| Net loans and leases to total assets | 66.9622% | 2,826 |
| Net loans and leases to deposits | 89.6755% | 1,310 |
| Net loans and leases to core deposits | 95.4992% | 1,734 |
| Total domestic deposits to total assets | 74.6717% | 6,767 |
| Equity capital to assets | 8.8656% | 5,750 |
| Core capital (leverage) ratio | 8.6359% | 5,334 |
| Tier 1 risk-based capital ratio | 17.5783% | 2,314 |
| Total risk-based capital ratio | 18.8020% | 2,294 |
| Memoranda: | ||
| Average total assets | $93,267,330 | 5,159 |
| Average earning assets | $87,390,670 | 5,084 |
| Average equity | $8,133,670 | 5,568 |
| Average total loans | $64,373,670 | 4,775 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6646% | 4,674 |
| Cost of funding earning assets | 1.4545% | 1,362 |
| Net interest margin | 3.2100% | 6,038 |
| Noninterest income to average assets | 0.1847% | 6,403 |
| Noninterest expense to average assets | 2.6324% | 5,106 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3951% | 4,973 |
| Return on assets (ROA) | 0.3951% | 5,066 |
| Pretax return on assets | 0.5754% | 4,783 |
| Return on Equity (ROE) | 4.5683% | 4,615 |
| Retained earnings to average equity (ytd only) | 4.5683% | 3,439 |
| Net charge-offs to loans | 0.4679% | 2,300 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.7632% | 3,423 |
| Efficiency ratio | 82.0616% | 2,219 |
| Assets per employee ($millions) | 4.2446% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7914% | 6,936 |
| Loan loss allowance to noncurrent loans | 44.2695% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 1.8023% | 3,563 |
| Noncurrent loans to loans | 1.7878% | 3,838 |
| Net loans and leases to total assets | 67.9239% | 2,561 |
| Net loans and leases to deposits | 90.6503% | 1,165 |
| Net loans and leases to core deposits | 96.2752% | 1,654 |
| Total domestic deposits to total assets | 74.9296% | 6,805 |
| Equity capital to assets | 8.6624% | 5,701 |
| Core capital (leverage) ratio | 8.6267% | 5,218 |
| Tier 1 risk-based capital ratio | 17.2432% | 2,395 |
| Total risk-based capital ratio | 18.3364% | 2,417 |
| Memoranda: | ||
| Average total assets | $93,147,000 | 5,203 |
| Average earning assets | $87,725,500 | 5,101 |
| Average equity | $8,055,500 | 5,588 |
| Average total loans | $64,973,000 | 4,806 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 4,517 |
| Cost of funding earning assets | 1.7194% | 1,511 |
| Net interest margin | 3.2897% | 6,012 |
| Noninterest income to average assets | 0.1533% | 6,624 |
| Noninterest expense to average assets | 2.5101% | 5,754 |
| Loan and lease loss provision to assets | 0.1340% | 5,832 |
| Net operating income to assets | 0.4111% | 4,494 |
| Return on assets (ROA) | 0.4111% | 4,629 |
| Pretax return on assets | 0.5989% | 4,330 |
| Return on Equity (ROE) | 5.0885% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.0885% | 2,362 |
| Net charge-offs to loans | 0.0875% | 5,966 |
| Credit loss provision to net charge-offs | 209.5238% | 1,465 |
| Earnings coverage of net charge-offs (x) | 11.4603% | 1,607 |
| Efficiency ratio | 77.4022% | 2,809 |
| Assets per employee ($millions) | 4.0397% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 6,770 |
| Loan loss allowance to noncurrent loans | 42.0217% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 1.8684% | 3,526 |
| Noncurrent loans to loans | 2.0981% | 3,438 |
| Net loans and leases to total assets | 70.4207% | 2,428 |
| Net loans and leases to deposits | 94.0816% | 1,060 |
| Net loans and leases to core deposits | 101.5536% | 1,487 |
| Total domestic deposits to total assets | 74.8507% | 6,789 |
| Equity capital to assets | 8.6339% | 5,681 |
| Core capital (leverage) ratio | 8.3582% | 5,596 |
| Tier 1 risk-based capital ratio | 16.7413% | 2,444 |
| Total risk-based capital ratio | 17.9764% | 2,417 |
| Memoranda: | ||
| Average total assets | $98,521,200 | 5,034 |
| Average earning assets | $92,530,200 | 4,928 |
| Average equity | $7,959,200 | 5,725 |
| Average total loans | $71,968,200 | 4,606 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0284% | 4,681 |
| Cost of funding earning assets | 1.7660% | 1,565 |
| Net interest margin | 3.2623% | 6,133 |
| Noninterest income to average assets | 0.0974% | 7,059 |
| Noninterest expense to average assets | 2.4792% | 5,787 |
| Loan and lease loss provision to assets | 0.1761% | 5,279 |
| Net operating income to assets | 0.3576% | 4,941 |
| Return on assets (ROA) | 0.3576% | 5,120 |
| Pretax return on assets | 0.5084% | 4,896 |
| Return on Equity (ROE) | 4.4983% | 4,560 |
| Retained earnings to average equity (ytd only) | 4.4983% | 3,350 |
| Net charge-offs to loans | 0.1198% | 5,352 |
| Credit loss provision to net charge-offs | 200.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 7.7725% | 2,270 |
| Efficiency ratio | 78.3636% | 2,577 |
| Assets per employee ($millions) | 4.1750% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 7,051 |
| Loan loss allowance to noncurrent loans | 171.0692% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 5,361 |
| Noncurrent loans to loans | 0.4537% | 6,278 |
| Net loans and leases to total assets | 72.4184% | 2,161 |
| Net loans and leases to deposits | 96.0855% | 969 |
| Net loans and leases to core deposits | 104.2204% | 1,460 |
| Total domestic deposits to total assets | 75.3687% | 6,759 |
| Equity capital to assets | 8.4698% | 6,310 |
| Core capital (leverage) ratio | 8.0582% | 6,262 |
| Tier 1 risk-based capital ratio | 15.9072% | 2,805 |
| Total risk-based capital ratio | 17.0951% | 2,787 |
| Memoranda: | ||
| Average total assets | $99,923,250 | 5,047 |
| Average earning assets | $93,918,000 | 4,952 |
| Average equity | $7,943,500 | 5,807 |
| Average total loans | $73,457,250 | 4,620 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0658% | 4,634 |
| Cost of funding earning assets | 1.8211% | 1,561 |
| Net interest margin | 3.2447% | 6,183 |
| Noninterest income to average assets | 0.1403% | 6,883 |
| Noninterest expense to average assets | 2.4323% | 5,969 |
| Loan and lease loss provision to assets | 0.2608% | 4,319 |
| Net operating income to assets | 0.3557% | 4,948 |
| Return on assets (ROA) | 0.3557% | 5,107 |
| Pretax return on assets | 0.4959% | 4,912 |
| Return on Equity (ROE) | 4.5683% | 4,509 |
| Retained earnings to average equity (ytd only) | 4.5683% | 3,168 |
| Net charge-offs to loans | 0.1797% | 4,530 |
| Credit loss provision to net charge-offs | 197.0149% | 2,006 |
| Earnings coverage of net charge-offs (x) | 5.7164% | 2,610 |
| Efficiency ratio | 76.2701% | 3,027 |
| Assets per employee ($millions) | 4.4068% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7528% | 7,140 |
| Loan loss allowance to noncurrent loans | 85.2895% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.2398% | 4,668 |
| Noncurrent loans to loans | 0.8826% | 5,504 |
| Net loans and leases to total assets | 74.1155% | 1,887 |
| Net loans and leases to deposits | 97.8458% | 890 |
| Net loans and leases to core deposits | 107.1631% | 1,362 |
| Total domestic deposits to total assets | 75.7473% | 6,741 |
| Equity capital to assets | 8.3187% | 6,405 |
| Core capital (leverage) ratio | 7.7718% | 6,529 |
| Tier 1 risk-based capital ratio | 15.1513% | 3,080 |
| Total risk-based capital ratio | 16.2955% | 3,100 |
| Memoranda: | ||
| Average total assets | $101,223,000 | 5,043 |
| Average earning assets | $95,108,330 | 4,954 |
| Average equity | $7,880,330 | 5,845 |
| Average total loans | $74,582,000 | 4,620 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1146% | 4,459 |
| Cost of funding earning assets | 1.8980% | 1,456 |
| Net interest margin | 3.2167% | 6,241 |
| Noninterest income to average assets | 0.1548% | 6,859 |
| Noninterest expense to average assets | 2.2872% | 6,413 |
| Loan and lease loss provision to assets | 0.3057% | 3,590 |
| Net operating income to assets | 0.4450% | 4,636 |
| Return on assets (ROA) | 0.4450% | 4,768 |
| Pretax return on assets | 0.5921% | 4,639 |
| Return on Equity (ROE) | 5.9065% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.9065% | 2,661 |
| Net charge-offs to loans | 0.3542% | 2,988 |
| Credit loss provision to net charge-offs | 117.9104% | 2,962 |
| Earnings coverage of net charge-offs (x) | 3.4627% | 2,904 |
| Efficiency ratio | 71.8104% | 3,963 |
| Assets per employee ($millions) | 4.4022% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6875% | 7,361 |
| Loan loss allowance to noncurrent loans | 152.5223% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.9205% | 5,311 |
| Noncurrent loans to loans | 0.4508% | 6,399 |
| Net loans and leases to total assets | 73.3284% | 2,118 |
| Net loans and leases to deposits | 95.1652% | 1,208 |
| Net loans and leases to core deposits | 107.6857% | 1,444 |
| Total domestic deposits to total assets | 77.0538% | 6,551 |
| Equity capital to assets | 7.7778% | 6,859 |
| Core capital (leverage) ratio | 7.3137% | 7,015 |
| Tier 1 risk-based capital ratio | 14.4500% | 3,414 |
| Total risk-based capital ratio | 15.4462% | 3,512 |
| Memoranda: | ||
| Average total assets | $103,359,500 | 5,050 |
| Average earning assets | $97,367,500 | 4,945 |
| Average equity | $7,788,000 | 5,916 |
| Average total loans | $75,673,000 | 4,647 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1852% | 5,719 |
| Cost of funding earning assets | 2.3364% | 1,505 |
| Net interest margin | 2.8489% | 6,975 |
| Noninterest income to average assets | 0.1314% | 7,098 |
| Noninterest expense to average assets | 2.4651% | 6,253 |
| Loan and lease loss provision to assets | 0.6049% | 3,374 |
| Net operating income to assets | -0.1488% | 5,764 |
| Return on assets (ROA) | -0.1488% | 5,761 |
| Pretax return on assets | -0.2368% | 5,746 |
| Return on Equity (ROE) | -1.9759% | 5,856 |
| Retained earnings to average equity (ytd only) | -1.9759% | 5,512 |
| Net charge-offs to loans | 0.5607% | 3,539 |
| Credit loss provision to net charge-offs | 149.7608% | 3,108 |
| Earnings coverage of net charge-offs (x) | 0.9115% | 5,200 |
| Efficiency ratio | 87.0055% | 1,994 |
| Assets per employee ($millions) | 4.3945% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6568% | 7,460 |
| Loan loss allowance to noncurrent loans | 54.6145% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 1.3122% | 4,464 |
| Noncurrent loans to loans | 1.2026% | 4,937 |
| Net loans and leases to total assets | 72.1387% | 2,726 |
| Net loans and leases to deposits | 93.3592% | 1,684 |
| Net loans and leases to core deposits | 134.5215% | 1,026 |
| Total domestic deposits to total assets | 77.2701% | 6,390 |
| Equity capital to assets | 7.3017% | 7,199 |
| Core capital (leverage) ratio | 7.0046% | 7,234 |
| Tier 1 risk-based capital ratio | 13.8676% | 3,588 |
| Total risk-based capital ratio | 14.8179% | 3,725 |
| Memoranda: | ||
| Average total assets | $103,483,800 | 4,997 |
| Average earning assets | $98,144,400 | 4,889 |
| Average equity | $7,793,800 | 6,000 |
| Average total loans | $74,547,600 | 4,706 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2075% | 5,847 |
| Cost of funding earning assets | 2.4110% | 1,600 |
| Net interest margin | 2.7965% | 7,067 |
| Noninterest income to average assets | 0.1450% | 7,138 |
| Noninterest expense to average assets | 2.4145% | 6,370 |
| Loan and lease loss provision to assets | 0.5813% | 3,064 |
| Net operating income to assets | -0.1269% | 5,938 |
| Return on assets (ROA) | -0.1269% | 5,967 |
| Pretax return on assets | -0.1929% | 5,968 |
| Return on Equity (ROE) | -1.6715% | 6,048 |
| Retained earnings to average equity (ytd only) | -1.6715% | 5,651 |
| Net charge-offs to loans | 0.7834% | 2,403 |
| Credit loss provision to net charge-offs | 103.2184% | 4,934 |
| Earnings coverage of net charge-offs (x) | 0.6896% | 5,342 |
| Efficiency ratio | 86.1432% | 2,049 |
| Assets per employee ($millions) | 4.2673% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3978% | 7,820 |
| Loan loss allowance to noncurrent loans | 24.2520% | 6,826 |
| Noncurrent assets plus other real estate owned to assets | 1.4154% | 4,271 |
| Noncurrent loans to loans | 1.6401% | 4,187 |
| Net loans and leases to total assets | 72.2955% | 2,958 |
| Net loans and leases to deposits | 93.6405% | 1,942 |
| Net loans and leases to core deposits | 136.9442% | 1,055 |
| Total domestic deposits to total assets | 77.2054% | 6,288 |
| Equity capital to assets | 7.3957% | 7,375 |
| Core capital (leverage) ratio | 7.1227% | 7,344 |
| Tier 1 risk-based capital ratio | 13.6606% | 3,741 |
| Total risk-based capital ratio | 14.2366% | 4,133 |
| Memoranda: | ||
| Average total assets | $102,987,500 | 5,045 |
| Average earning assets | $97,881,750 | 4,926 |
| Average equity | $7,817,000 | 6,042 |
| Average total loans | $74,037,750 | 4,773 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2405% | 5,914 |
| Cost of funding earning assets | 2.4982% | 1,617 |
| Net interest margin | 2.7423% | 7,114 |
| Noninterest income to average assets | 0.1513% | 7,188 |
| Noninterest expense to average assets | 2.4667% | 6,239 |
| Loan and lease loss provision to assets | 0.0649% | 6,562 |
| Net operating income to assets | 0.1651% | 5,372 |
| Return on assets (ROA) | 0.1651% | 5,470 |
| Pretax return on assets | 0.2260% | 5,394 |
| Return on Equity (ROE) | 2.1559% | 5,237 |
| Retained earnings to average equity (ytd only) | 2.1559% | 4,149 |
| Net charge-offs to loans | 0.0357% | 5,965 |
| Credit loss provision to net charge-offs | 253.8462% | 1,833 |
| Earnings coverage of net charge-offs (x) | 11.3846% | 1,905 |
| Efficiency ratio | 89.4512% | 1,864 |
| Assets per employee ($millions) | 4.0371% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4054% | 7,898 |
| Loan loss allowance to noncurrent loans | 50.4105% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 5,369 |
| Noncurrent loans to loans | 0.8041% | 5,621 |
| Net loans and leases to total assets | 71.8592% | 3,257 |
| Net loans and leases to deposits | 92.3434% | 2,405 |
| Net loans and leases to core deposits | 132.5630% | 1,398 |
| Total domestic deposits to total assets | 77.8174% | 6,125 |
| Equity capital to assets | 7.4920% | 7,272 |
| Core capital (leverage) ratio | 7.4851% | 7,043 |
| Tier 1 risk-based capital ratio | 14.3417% | 3,334 |
| Total risk-based capital ratio | 14.9451% | 3,620 |
| Memoranda: | ||
| Average total assets | $101,755,670 | 5,112 |
| Average earning assets | $96,708,000 | 4,984 |
| Average equity | $7,792,670 | 6,091 |
| Average total loans | $72,905,330 | 4,845 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3215% | 5,802 |
| Cost of funding earning assets | 2.5810% | 1,622 |
| Net interest margin | 2.7405% | 7,121 |
| Noninterest income to average assets | 0.1518% | 7,215 |
| Noninterest expense to average assets | 2.4603% | 5,990 |
| Loan and lease loss provision to assets | 0.0200% | 6,643 |
| Net operating income to assets | 0.1997% | 5,658 |
| Return on assets (ROA) | 0.1997% | 5,825 |
| Pretax return on assets | 0.2796% | 5,732 |
| Return on Equity (ROE) | 2.5783% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.5783% | 4,443 |
| Net charge-offs to loans | 0.0056% | 5,613 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 548 |
| Efficiency ratio | 89.1462% | 1,795 |
| Assets per employee ($millions) | 4.2694% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3913% | 7,955 |
| Loan loss allowance to noncurrent loans | 201.4184% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 7,167 |
| Noncurrent loans to loans | 0.1943% | 6,977 |
| Net loans and leases to total assets | 70.5580% | 3,563 |
| Net loans and leases to deposits | 91.2024% | 2,742 |
| Net loans and leases to core deposits | 129.2744% | 1,706 |
| Total domestic deposits to total assets | 77.3642% | 6,193 |
| Equity capital to assets | 7.6113% | 7,253 |
| Core capital (leverage) ratio | 7.6639% | 6,934 |
| Tier 1 risk-based capital ratio | 14.8121% | 3,152 |
| Total risk-based capital ratio | 15.4073% | 3,426 |
| Memoranda: | ||
| Average total assets | $100,151,000 | 5,179 |
| Average earning assets | $95,311,000 | 5,048 |
| Average equity | $7,757,000 | 6,138 |
| Average total loans | $71,491,000 | 4,929 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5505% | 7,194 |
| Cost of funding earning assets | 2.7747% | 2,808 |
| Net interest margin | 2.7758% | 7,373 |
| Noninterest income to average assets | 0.1524% | 7,328 |
| Noninterest expense to average assets | 2.4148% | 6,340 |
| Loan and lease loss provision to assets | 0.0242% | 7,097 |
| Net operating income to assets | 0.2465% | 5,720 |
| Return on assets (ROA) | 0.2480% | 5,528 |
| Pretax return on assets | 0.3541% | 5,381 |
| Return on Equity (ROE) | 3.1843% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.1843% | 3,167 |
| Net charge-offs to loans | 0.0345% | 6,329 |
| Credit loss provision to net charge-offs | 95.8333% | 5,516 |
| Earnings coverage of net charge-offs (x) | 14.9167% | 1,986 |
| Efficiency ratio | 86.5211% | 1,802 |
| Assets per employee ($millions) | 4.0765% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3963% | 7,984 |
| Loan loss allowance to noncurrent loans | 67.3913% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 5,950 |
| Noncurrent loans to loans | 0.5881% | 5,612 |
| Net loans and leases to total assets | 71.6720% | 3,659 |
| Net loans and leases to deposits | 93.7522% | 2,813 |
| Net loans and leases to core deposits | 130.4771% | 1,820 |
| Total domestic deposits to total assets | 76.4483% | 6,132 |
| Equity capital to assets | 7.8856% | 6,988 |
| Core capital (leverage) ratio | 7.8494% | 6,725 |
| Tier 1 risk-based capital ratio | 15.0207% | 3,035 |
| Total risk-based capital ratio | 15.6184% | 3,273 |
| Memoranda: | ||
| Average total assets | $95,163,200 | 5,192 |
| Average earning assets | $90,459,800 | 5,066 |
| Average equity | $7,411,400 | 6,310 |
| Average total loans | $69,635,200 | 4,885 |