Home > Union Federal Savings and Loan Association > Performance and Condition Ratios
Union Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 3,253 |
| Cost of funding earning assets | 1.1065% | 3,051 |
| Net interest margin | 3.3069% | 2,617 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.8204% | 1,455 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3299% | 3,985 |
| Return on assets (ROA) | 0.3299% | 3,985 |
| Pretax return on assets | 0.4189% | 3,936 |
| Return on Equity (ROE) | 2.2200% | 4,127 |
| Retained earnings to average equity (ytd only) | 2.2245% | 3,524 |
| 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 | 85.9770% | 565 |
| Assets per employee ($millions) | 4.7143% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,054 |
| Loan loss allowance to noncurrent loans | 338.3592% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 1,760 |
| Noncurrent loans to loans | 0.3676% | 1,883 |
| Net loans and leases to total assets | 80.3200% | 607 |
| Net loans and leases to deposits | 95.2094% | 850 |
| Net loans and leases to core deposits | 99.0534% | 1,485 |
| Total domestic deposits to total assets | 84.3600% | 2,514 |
| Equity capital to assets | 15.1386% | 540 |
| Core capital (leverage) ratio | 15.4243% | 556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $152,780,200 | 3,333 |
| Average earning assets | $143,154,000 | 3,311 |
| Average equity | $22,656,800 | 2,647 |
| Average total loans | $122,349,200 | 2,928 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 3,141 |
| Cost of funding earning assets | 1.0167% | 2,989 |
| Net interest margin | 3.3627% | 2,537 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.7952% | 1,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3880% | 3,981 |
| Return on assets (ROA) | 0.3880% | 3,981 |
| Pretax return on assets | 0.5020% | 3,904 |
| Return on Equity (ROE) | 2.6300% | 4,138 |
| Retained earnings to average equity (ytd only) | 2.6299% | 3,602 |
| Net charge-offs to loans | -0.0022% | 3,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.6939% | 632 |
| Assets per employee ($millions) | 4.7518% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,175 |
| Loan loss allowance to noncurrent loans | 240.2516% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 1,355 |
| Noncurrent loans to loans | 0.5155% | 1,533 |
| Net loans and leases to total assets | 80.1300% | 628 |
| Net loans and leases to deposits | 94.5723% | 859 |
| Net loans and leases to core deposits | 98.3033% | 1,427 |
| Total domestic deposits to total assets | 84.7300% | 2,586 |
| Equity capital to assets | 14.8228% | 550 |
| Core capital (leverage) ratio | 15.3471% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $153,260,500 | 3,339 |
| Average earning assets | $143,729,000 | 3,312 |
| Average equity | $22,611,500 | 2,647 |
| Average total loans | $122,262,000 | 2,927 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4082% | 2,872 |
| Cost of funding earning assets | 0.9183% | 2,867 |
| Net interest margin | 3.4900% | 2,289 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.8244% | 1,366 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4581% | 3,896 |
| Return on assets (ROA) | 0.4581% | 3,900 |
| Pretax return on assets | 0.5961% | 3,811 |
| Return on Equity (ROE) | 3.1100% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.1101% | 3,449 |
| Net charge-offs to loans | -0.0049% | 3,709 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.5449% | 739 |
| Assets per employee ($millions) | 4.6274% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 3,183 |
| Loan loss allowance to noncurrent loans | 208.5209% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4191% | 1,275 |
| Noncurrent loans to loans | 0.5041% | 1,451 |
| Net loans and leases to total assets | 79.9500% | 630 |
| Net loans and leases to deposits | 94.3969% | 824 |
| Net loans and leases to core deposits | 98.3019% | 1,331 |
| Total domestic deposits to total assets | 84.7000% | 2,622 |
| Equity capital to assets | 14.9375% | 532 |
| Core capital (leverage) ratio | 15.1384% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $153,662,000 | 3,352 |
| Average earning assets | $144,184,667 | 3,321 |
| Average equity | $22,635,667 | 2,654 |
| Average total loans | $121,891,000 | 2,923 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2774% | 2,855 |
| Cost of funding earning assets | 0.8184% | 2,665 |
| Net interest margin | 3.4589% | 2,475 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.8182% | 1,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4463% | 4,009 |
| Return on assets (ROA) | 0.4463% | 3,961 |
| Pretax return on assets | 0.5787% | 3,879 |
| Return on Equity (ROE) | 3.0500% | 4,182 |
| Retained earnings to average equity (ytd only) | 3.0512% | 3,492 |
| Net charge-offs to loans | -0.0066% | 3,724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.9710% | 706 |
| Assets per employee ($millions) | 4.5615% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 3,205 |
| Loan loss allowance to noncurrent loans | 162.4060% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 983 |
| Noncurrent loans to loans | 0.6583% | 1,144 |
| Net loans and leases to total assets | 77.3200% | 843 |
| Net loans and leases to deposits | 90.9526% | 979 |
| Net loans and leases to core deposits | 94.4126% | 1,367 |
| Total domestic deposits to total assets | 85.0200% | 2,858 |
| Equity capital to assets | 14.6380% | 512 |
| Core capital (leverage) ratio | 15.1108% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $154,141,500 | 3,388 |
| Average earning assets | $144,668,500 | 3,360 |
| Average equity | $22,548,500 | 2,680 |
| Average total loans | $121,142,500 | 2,964 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 2,474 |
| Cost of funding earning assets | 0.4715% | 1,578 |
| Net interest margin | 3.2483% | 2,708 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 3.1462% | 781 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.0416% | 4,543 |
| Return on assets (ROA) | 0.0416% | 4,530 |
| Pretax return on assets | -0.0107% | 4,563 |
| Return on Equity (ROE) | 0.2900% | 4,533 |
| Retained earnings to average equity (ytd only) | 0.2864% | 4,302 |
| Net charge-offs to loans | -0.0041% | 3,589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 98.8971% | 158 |
| Assets per employee ($millions) | 4.6422% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 3,042 |
| Loan loss allowance to noncurrent loans | 139.4397% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 802 |
| Noncurrent loans to loans | 0.7665% | 978 |
| Net loans and leases to total assets | 78.1900% | 779 |
| Net loans and leases to deposits | 91.8928% | 921 |
| Net loans and leases to core deposits | 95.6455% | 1,225 |
| Total domestic deposits to total assets | 85.0800% | 2,973 |
| Equity capital to assets | 14.6188% | 516 |
| Core capital (leverage) ratio | 14.8002% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $158,475,000 | 3,362 |
| Average earning assets | $146,968,000 | 3,354 |
| Average equity | $23,041,400 | 2,701 |
| Average total loans | $121,261,800 | 2,904 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5611% | 2,443 |
| Cost of funding earning assets | 0.4176% | 1,173 |
| Net interest margin | 3.1435% | 2,794 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 3.2858% | 606 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | -0.1277% | 4,632 |
| Return on assets (ROA) | -0.1277% | 4,608 |
| Pretax return on assets | -0.2545% | 4,625 |
| Return on Equity (ROE) | -0.8800% | 4,585 |
| Retained earnings to average equity (ytd only) | -0.8792% | 4,414 |
| Net charge-offs to loans | -0.0044% | 3,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 106.7379% | 111 |
| Assets per employee ($millions) | 4.5945% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 3,141 |
| Loan loss allowance to noncurrent loans | 243.0451% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 1,452 |
| Noncurrent loans to loans | 0.4406% | 1,703 |
| Net loans and leases to total assets | 76.4800% | 859 |
| Net loans and leases to deposits | 89.4091% | 932 |
| Net loans and leases to core deposits | 91.8092% | 1,193 |
| Total domestic deposits to total assets | 85.5300% | 3,166 |
| Equity capital to assets | 14.1883% | 544 |
| Core capital (leverage) ratio | 14.5820% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $159,795,500 | 3,369 |
| Average earning assets | $147,814,750 | 3,371 |
| Average equity | $23,203,000 | 2,725 |
| Average total loans | $121,310,250 | 2,917 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4486% | 2,303 |
| Cost of funding earning assets | 0.3900% | 984 |
| Net interest margin | 3.0585% | 2,688 |
| Noninterest income to average assets | 0.1255% | 4,369 |
| Noninterest expense to average assets | 3.6052% | 393 |
| Loan and lease loss provision to assets | 0.0099% | 2,412 |
| Net operating income to assets | -0.4100% | 4,671 |
| Return on assets (ROA) | -0.4100% | 4,650 |
| Pretax return on assets | -0.6646% | 4,673 |
| Return on Equity (ROE) | -2.8026% | 4,638 |
| Retained earnings to average equity (ytd only) | -2.8026% | 4,441 |
| Net charge-offs to loans | -0.0049% | 3,338 |
| Credit loss provision to net charge-offs | -266.6667% | 3,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.0526% | 75 |
| Assets per employee ($millions) | 4.6132% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 3,281 |
| Loan loss allowance to noncurrent loans | 157.6876% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.5974% | 938 |
| Noncurrent loans to loans | 0.6776% | 1,275 |
| Net loans and leases to total assets | 75.6774% | 763 |
| Net loans and leases to deposits | 88.4646% | 802 |
| Net loans and leases to core deposits | 90.8194% | 1,072 |
| Total domestic deposits to total assets | 85.5454% | 3,364 |
| Equity capital to assets | 14.1970% | 488 |
| Core capital (leverage) ratio | 14.0839% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,989,667 | 3,402 |
| Average earning assets | $148,699,000 | 3,408 |
| Average equity | $23,549,333 | 2,775 |
| Average total loans | $121,494,667 | 2,929 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3681% | 2,185 |
| Cost of funding earning assets | 0.3864% | 946 |
| Net interest margin | 2.9817% | 2,562 |
| Noninterest income to average assets | 0.1815% | 4,075 |
| Noninterest expense to average assets | 2.5488% | 1,755 |
| Loan and lease loss provision to assets | 0.0196% | 2,002 |
| Net operating income to assets | 0.4170% | 3,920 |
| Return on assets (ROA) | 0.4170% | 3,886 |
| Pretax return on assets | 0.3582% | 4,102 |
| Return on Equity (ROE) | 2.8111% | 4,138 |
| Retained earnings to average equity (ytd only) | 2.8111% | 3,331 |
| Net charge-offs to loans | -0.0065% | 3,435 |
| Credit loss provision to net charge-offs | -400.0000% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9179% | 742 |
| Assets per employee ($millions) | 4.7629% | 3,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,531 |
| Loan loss allowance to noncurrent loans | 196.4724% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 1,201 |
| Noncurrent loans to loans | 0.5347% | 1,698 |
| Net loans and leases to total assets | 74.5017% | 622 |
| Net loans and leases to deposits | 87.9243% | 626 |
| Net loans and leases to core deposits | 90.2034% | 917 |
| Total domestic deposits to total assets | 84.7339% | 3,603 |
| Equity capital to assets | 14.9148% | 406 |
| Core capital (leverage) ratio | 14.1667% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,059,500 | 3,397 |
| Average earning assets | $150,114,000 | 3,406 |
| Average equity | $24,190,000 | 2,826 |
| Average total loans | $122,251,000 | 2,928 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5756% | 2,452 |
| Cost of funding earning assets | 0.4994% | 933 |
| Net interest margin | 3.0762% | 2,978 |
| Noninterest income to average assets | 0.1324% | 4,486 |
| Noninterest expense to average assets | 2.3557% | 2,639 |
| Loan and lease loss provision to assets | 0.0582% | 1,893 |
| Net operating income to assets | 0.4286% | 4,225 |
| Return on assets (ROA) | 0.4286% | 4,266 |
| Pretax return on assets | 0.5512% | 4,175 |
| Return on Equity (ROE) | 2.9337% | 4,368 |
| Retained earnings to average equity (ytd only) | 2.9337% | 3,657 |
| Net charge-offs to loans | 0.0440% | 1,406 |
| Credit loss provision to net charge-offs | 175.9259% | 1,383 |
| Earnings coverage of net charge-offs (x) | 18.4074% | 1,911 |
| Efficiency ratio | 78.3292% | 922 |
| Assets per employee ($millions) | 4.6908% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,608 |
| Loan loss allowance to noncurrent loans | 158.2814% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 1,128 |
| Noncurrent loans to loans | 0.6551% | 1,524 |
| Net loans and leases to total assets | 73.8840% | 674 |
| Net loans and leases to deposits | 87.0029% | 717 |
| Net loans and leases to core deposits | 89.2136% | 1,003 |
| Total domestic deposits to total assets | 84.9213% | 3,298 |
| Equity capital to assets | 14.7565% | 529 |
| Core capital (leverage) ratio | 13.8415% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,095,400 | 3,366 |
| Average earning assets | $150,185,600 | 3,378 |
| Average equity | $23,826,800 | 2,924 |
| Average total loans | $122,662,800 | 2,925 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 2,637 |
| Cost of funding earning assets | 0.5221% | 939 |
| Net interest margin | 3.0470% | 3,187 |
| Noninterest income to average assets | 0.1359% | 4,520 |
| Noninterest expense to average assets | 2.3247% | 2,676 |
| Loan and lease loss provision to assets | 0.0534% | 1,915 |
| Net operating income to assets | 0.4373% | 4,317 |
| Return on assets (ROA) | 0.4373% | 4,349 |
| Pretax return on assets | 0.5634% | 4,279 |
| Return on Equity (ROE) | 3.0008% | 4,465 |
| Retained earnings to average equity (ytd only) | 3.0008% | 3,908 |
| Net charge-offs to loans | 0.0370% | 1,343 |
| Credit loss provision to net charge-offs | 191.1765% | 1,228 |
| Earnings coverage of net charge-offs (x) | 22.1471% | 1,689 |
| Efficiency ratio | 77.8953% | 883 |
| Assets per employee ($millions) | 5.1375% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,733 |
| Loan loss allowance to noncurrent loans | 156.0644% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 1,319 |
| Noncurrent loans to loans | 0.6618% | 1,658 |
| Net loans and leases to total assets | 73.5035% | 732 |
| Net loans and leases to deposits | 86.4173% | 806 |
| Net loans and leases to core deposits | 88.5994% | 1,118 |
| Total domestic deposits to total assets | 85.0565% | 3,094 |
| Equity capital to assets | 14.6376% | 609 |
| Core capital (leverage) ratio | 13.7233% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,824,500 | 3,404 |
| Average earning assets | $149,911,750 | 3,416 |
| Average equity | $23,726,750 | 2,964 |
| Average total loans | $122,685,250 | 2,968 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 2,599 |
| Cost of funding earning assets | 0.5422% | 977 |
| Net interest margin | 3.0646% | 3,131 |
| Noninterest income to average assets | 0.1257% | 4,577 |
| Noninterest expense to average assets | 2.2884% | 2,803 |
| Loan and lease loss provision to assets | 0.0616% | 1,814 |
| Net operating income to assets | 0.4621% | 4,284 |
| Return on assets (ROA) | 0.4621% | 4,327 |
| Pretax return on assets | 0.5964% | 4,240 |
| Return on Equity (ROE) | 3.1760% | 4,447 |
| Retained earnings to average equity (ytd only) | 3.1760% | 3,787 |
| Net charge-offs to loans | 0.0537% | 1,084 |
| Credit loss provision to net charge-offs | 151.5152% | 1,161 |
| Earnings coverage of net charge-offs (x) | 16.1818% | 1,609 |
| Efficiency ratio | 76.5370% | 1,028 |
| Assets per employee ($millions) | 4.6713% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 3,755 |
| Loan loss allowance to noncurrent loans | 78.4770% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.0887% | 687 |
| Noncurrent loans to loans | 1.3027% | 905 |
| Net loans and leases to total assets | 73.8448% | 773 |
| Net loans and leases to deposits | 86.8240% | 857 |
| Net loans and leases to core deposits | 89.0086% | 1,206 |
| Total domestic deposits to total assets | 85.0511% | 3,074 |
| Equity capital to assets | 14.6302% | 595 |
| Core capital (leverage) ratio | 13.7279% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,299,667 | 3,414 |
| Average earning assets | $149,385,333 | 3,426 |
| Average equity | $23,614,333 | 2,966 |
| Average total loans | $122,880,333 | 2,984 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6962% | 2,368 |
| Cost of funding earning assets | 0.5614% | 1,042 |
| Net interest margin | 3.1348% | 2,892 |
| Noninterest income to average assets | 0.1014% | 4,681 |
| Noninterest expense to average assets | 2.3203% | 2,721 |
| Loan and lease loss provision to assets | 0.0495% | 2,100 |
| Net operating income to assets | 0.4774% | 4,219 |
| Return on assets (ROA) | 0.4774% | 4,255 |
| Pretax return on assets | 0.6184% | 4,167 |
| Return on Equity (ROE) | 3.2905% | 4,416 |
| Retained earnings to average equity (ytd only) | 3.2905% | 3,691 |
| Net charge-offs to loans | 0.1103% | 636 |
| Credit loss provision to net charge-offs | 58.8235% | 1,278 |
| Earnings coverage of net charge-offs (x) | 7.9412% | 1,597 |
| Efficiency ratio | 76.4901% | 1,089 |
| Assets per employee ($millions) | 4.5073% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,821 |
| Loan loss allowance to noncurrent loans | 108.6685% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.8258% | 1,074 |
| Noncurrent loans to loans | 0.9244% | 1,464 |
| Net loans and leases to total assets | 73.8562% | 830 |
| Net loans and leases to deposits | 86.6330% | 914 |
| Net loans and leases to core deposits | 88.7949% | 1,305 |
| Total domestic deposits to total assets | 85.2518% | 3,012 |
| Equity capital to assets | 14.4869% | 574 |
| Core capital (leverage) ratio | 13.7481% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,701,000 | 3,416 |
| Average earning assets | $148,909,500 | 3,429 |
| Average equity | $23,461,500 | 2,965 |
| Average total loans | $123,330,000 | 2,982 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8012% | 3,296 |
| Cost of funding earning assets | 0.7355% | 1,540 |
| Net interest margin | 3.0657% | 3,708 |
| Noninterest income to average assets | 0.1296% | 4,629 |
| Noninterest expense to average assets | 3.0351% | 1,362 |
| Loan and lease loss provision to assets | 0.1411% | 2,591 |
| Net operating income to assets | -0.1354% | 4,803 |
| Return on assets (ROA) | -0.1354% | 4,815 |
| Pretax return on assets | -0.1989% | 4,823 |
| Return on Equity (ROE) | -0.9301% | 4,814 |
| Retained earnings to average equity (ytd only) | -0.9301% | 4,632 |
| Net charge-offs to loans | -0.0068% | 4,190 |
| Credit loss provision to net charge-offs | -2,775.0000% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7684% | 163 |
| Assets per employee ($millions) | 4.7394% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,946 |
| Loan loss allowance to noncurrent loans | 1,069.5652% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 3,261 |
| Noncurrent loans to loans | 0.0916% | 3,924 |
| Net loans and leases to total assets | 77.1835% | 676 |
| Net loans and leases to deposits | 93.2862% | 701 |
| Net loans and leases to core deposits | 95.6929% | 1,140 |
| Total domestic deposits to total assets | 82.7384% | 3,482 |
| Equity capital to assets | 14.5316% | 671 |
| Core capital (leverage) ratio | 13.7565% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,357,800 | 3,315 |
| Average earning assets | $146,164,600 | 3,313 |
| Average equity | $22,901,800 | 2,944 |
| Average total loans | $118,278,800 | 3,002 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8185% | 3,507 |
| Cost of funding earning assets | 0.7685% | 1,643 |
| Net interest margin | 3.0500% | 3,866 |
| Noninterest income to average assets | 0.1296% | 4,643 |
| Noninterest expense to average assets | 3.3159% | 886 |
| Loan and lease loss provision to assets | 0.1426% | 2,595 |
| Net operating income to assets | -0.3546% | 4,875 |
| Return on assets (ROA) | -0.3546% | 4,883 |
| Pretax return on assets | -0.4901% | 4,897 |
| Return on Equity (ROE) | -2.4355% | 4,868 |
| Retained earnings to average equity (ytd only) | -2.4355% | 4,735 |
| Net charge-offs to loans | -0.0069% | 4,135 |
| Credit loss provision to net charge-offs | -2,783.3333% | 4,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5399% | 110 |
| Assets per employee ($millions) | 4.8380% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 3,834 |
| Loan loss allowance to noncurrent loans | 42.6390% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.8584% | 394 |
| Noncurrent loans to loans | 2.2612% | 501 |
| Net loans and leases to total assets | 75.4682% | 1,168 |
| Net loans and leases to deposits | 91.2097% | 1,136 |
| Net loans and leases to core deposits | 93.5924% | 1,671 |
| Total domestic deposits to total assets | 82.7414% | 3,208 |
| Equity capital to assets | 14.5339% | 720 |
| Core capital (leverage) ratio | 13.7045% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,412,750 | 3,302 |
| Average earning assets | $145,567,750 | 3,299 |
| Average equity | $22,773,250 | 2,952 |
| Average total loans | $116,448,000 | 3,025 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 3,702 |
| Cost of funding earning assets | 0.7997% | 1,830 |
| Net interest margin | 3.0676% | 3,975 |
| Noninterest income to average assets | 0.1300% | 4,654 |
| Noninterest expense to average assets | 3.8897% | 464 |
| Loan and lease loss provision to assets | 0.1519% | 2,487 |
| Net operating income to assets | -0.7777% | 4,944 |
| Return on assets (ROA) | -0.7777% | 4,941 |
| Pretax return on assets | -1.0519% | 4,954 |
| Return on Equity (ROE) | -5.3381% | 4,929 |
| Retained earnings to average equity (ytd only) | -5.3381% | 4,785 |
| Net charge-offs to loans | -0.0087% | 4,165 |
| Credit loss provision to net charge-offs | -2,360.0000% | 3,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.9406% | 66 |
| Assets per employee ($millions) | 4.6976% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 3,730 |
| Loan loss allowance to noncurrent loans | 54.7271% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.3968% | 698 |
| Noncurrent loans to loans | 1.7657% | 800 |
| Net loans and leases to total assets | 72.0589% | 1,695 |
| Net loans and leases to deposits | 87.0813% | 1,657 |
| Net loans and leases to core deposits | 89.1639% | 2,146 |
| Total domestic deposits to total assets | 82.7490% | 3,165 |
| Equity capital to assets | 14.4098% | 754 |
| Core capital (leverage) ratio | 13.7333% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,332,333 | 3,300 |
| Average earning assets | $144,804,000 | 3,281 |
| Average equity | $22,629,667 | 2,955 |
| Average total loans | $114,710,333 | 3,038 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 3,550 |
| Cost of funding earning assets | 0.8370% | 2,189 |
| Net interest margin | 3.2527% | 3,717 |
| Noninterest income to average assets | 0.1463% | 4,631 |
| Noninterest expense to average assets | 5.5348% | 174 |
| Loan and lease loss provision to assets | 0.2011% | 1,512 |
| Net operating income to assets | -1.9068% | 5,049 |
| Return on assets (ROA) | -1.9068% | 5,036 |
| Pretax return on assets | -2.5545% | 5,047 |
| Return on Equity (ROE) | -13.0142% | 5,024 |
| Retained earnings to average equity (ytd only) | -13.0142% | 4,851 |
| Net charge-offs to loans | -0.0035% | 3,759 |
| Credit loss provision to net charge-offs | -7,700.0000% | 3,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.8243% | 37 |
| Assets per employee ($millions) | 4.5591% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 3,997 |
| Loan loss allowance to noncurrent loans | 107.4776% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7742% | 1,747 |
| Noncurrent loans to loans | 0.8678% | 1,879 |
| Net loans and leases to total assets | 73.8672% | 1,628 |
| Net loans and leases to deposits | 86.4151% | 1,944 |
| Net loans and leases to core deposits | 88.4662% | 2,486 |
| Total domestic deposits to total assets | 85.4795% | 2,219 |
| Equity capital to assets | 14.2418% | 989 |
| Core capital (leverage) ratio | 14.0466% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,139,500 | 3,290 |
| Average earning assets | $142,898,500 | 3,264 |
| Average equity | $22,437,000 | 2,967 |
| Average total loans | $113,958,500 | 3,029 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2631% | 3,637 |
| Cost of funding earning assets | 0.7618% | 2,862 |
| Net interest margin | 3.5013% | 3,446 |
| Noninterest income to average assets | 0.1253% | 4,837 |
| Noninterest expense to average assets | 2.6349% | 3,076 |
| Loan and lease loss provision to assets | 0.0786% | 2,422 |
| Net operating income to assets | 0.5279% | 4,342 |
| Return on assets (ROA) | 0.5331% | 4,378 |
| Pretax return on assets | 0.6864% | 4,236 |
| Return on Equity (ROE) | 3.5816% | 4,557 |
| Retained earnings to average equity (ytd only) | 3.5816% | 3,211 |
| Net charge-offs to loans | 0.0526% | 2,360 |
| Credit loss provision to net charge-offs | 200.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 19.2881% | 2,008 |
| Efficiency ratio | 76.5907% | 1,306 |
| Assets per employee ($millions) | 4.4491% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 4,002 |
| Loan loss allowance to noncurrent loans | 136.0544% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 2,001 |
| Noncurrent loans to loans | 0.6543% | 2,255 |
| Net loans and leases to total assets | 73.6023% | 1,819 |
| Net loans and leases to deposits | 86.9299% | 1,980 |
| Net loans and leases to core deposits | 88.8870% | 2,525 |
| Total domestic deposits to total assets | 84.6686% | 2,619 |
| Equity capital to assets | 15.0710% | 775 |
| Core capital (leverage) ratio | 14.6549% | 760 |
| Tier 1 risk-based capital ratio | 24.6353% | 775 |
| Total risk-based capital ratio | 25.7430% | 772 |
| Memoranda: | ||
| Average total assets | $150,060,400 | 3,297 |
| Average earning assets | $140,061,200 | 3,277 |
| Average equity | $22,336,400 | 2,936 |
| Average total loans | $112,098,400 | 3,052 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 3,751 |
| Cost of funding earning assets | 0.7334% | 3,052 |
| Net interest margin | 3.5364% | 3,449 |
| Noninterest income to average assets | 0.1238% | 4,908 |
| Noninterest expense to average assets | 2.6282% | 3,081 |
| Loan and lease loss provision to assets | 0.0837% | 2,231 |
| Net operating income to assets | 0.5538% | 4,397 |
| Return on assets (ROA) | 0.5538% | 4,450 |
| Pretax return on assets | 0.7131% | 4,316 |
| Return on Equity (ROE) | 3.7321% | 4,635 |
| Retained earnings to average equity (ytd only) | 3.7321% | 3,534 |
| Net charge-offs to loans | 0.0714% | 1,808 |
| Credit loss provision to net charge-offs | 156.6667% | 1,580 |
| Earnings coverage of net charge-offs (x) | 14.9163% | 2,226 |
| Efficiency ratio | 75.6694% | 1,364 |
| Assets per employee ($millions) | 4.5487% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 4,141 |
| Loan loss allowance to noncurrent loans | 57.8979% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 958 |
| Noncurrent loans to loans | 1.5099% | 998 |
| Net loans and leases to total assets | 73.6495% | 1,887 |
| Net loans and leases to deposits | 86.9517% | 2,069 |
| Net loans and leases to core deposits | 88.9562% | 2,639 |
| Total domestic deposits to total assets | 84.7016% | 2,537 |
| Equity capital to assets | 15.0666% | 835 |
| Core capital (leverage) ratio | 14.6622% | 823 |
| Tier 1 risk-based capital ratio | 24.1392% | 831 |
| Total risk-based capital ratio | 25.2060% | 831 |
| Memoranda: | ||
| Average total assets | $149,757,750 | 3,333 |
| Average earning assets | $139,800,500 | 3,316 |
| Average equity | $22,221,000 | 2,963 |
| Average total loans | $112,038,250 | 3,085 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2516% | 3,786 |
| Cost of funding earning assets | 0.7005% | 3,168 |
| Net interest margin | 3.5511% | 3,431 |
| Noninterest income to average assets | 0.1296% | 4,933 |
| Noninterest expense to average assets | 2.6169% | 3,159 |
| Loan and lease loss provision to assets | 0.0642% | 2,532 |
| Net operating income to assets | 0.5961% | 4,316 |
| Return on assets (ROA) | 0.5961% | 4,352 |
| Pretax return on assets | 0.7685% | 4,174 |
| Return on Equity (ROE) | 4.0381% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.0381% | 3,226 |
| Net charge-offs to loans | 0.0018% | 3,117 |
| Credit loss provision to net charge-offs | 4,800.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 623.0000% | 125 |
| Efficiency ratio | 74.8160% | 1,538 |
| Assets per employee ($millions) | 4.2719% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 4,152 |
| Loan loss allowance to noncurrent loans | 54.1073% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.3758% | 880 |
| Noncurrent loans to loans | 1.6350% | 943 |
| Net loans and leases to total assets | 74.0339% | 1,883 |
| Net loans and leases to deposits | 87.3153% | 2,083 |
| Net loans and leases to core deposits | 89.3479% | 2,652 |
| Total domestic deposits to total assets | 84.7891% | 2,571 |
| Equity capital to assets | 14.9955% | 811 |
| Core capital (leverage) ratio | 14.5743% | 805 |
| Tier 1 risk-based capital ratio | 24.2823% | 819 |
| Total risk-based capital ratio | 25.3799% | 818 |
| Memoranda: | ||
| Average total assets | $149,641,330 | 3,355 |
| Average earning assets | $139,899,000 | 3,332 |
| Average equity | $22,089,330 | 2,963 |
| Average total loans | $112,208,330 | 3,099 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2331% | 3,769 |
| Cost of funding earning assets | 0.6570% | 3,277 |
| Net interest margin | 3.5762% | 3,342 |
| Noninterest income to average assets | 0.1069% | 5,053 |
| Noninterest expense to average assets | 2.7147% | 2,864 |
| Loan and lease loss provision to assets | 0.0641% | 2,381 |
| Net operating income to assets | 0.5237% | 4,454 |
| Return on assets (ROA) | 0.5237% | 4,475 |
| Pretax return on assets | 0.6733% | 4,365 |
| Return on Equity (ROE) | 3.5761% | 4,665 |
| Retained earnings to average equity (ytd only) | 3.5761% | 3,487 |
| Net charge-offs to loans | -0.0071% | 4,114 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5542% | 1,317 |
| Assets per employee ($millions) | 4.4435% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8595% | 4,302 |
| Loan loss allowance to noncurrent loans | 62.2265% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.2318% | 1,081 |
| Noncurrent loans to loans | 1.3812% | 1,173 |
| Net loans and leases to total assets | 73.8298% | 1,836 |
| Net loans and leases to deposits | 86.7080% | 2,038 |
| Net loans and leases to core deposits | 88.4889% | 2,642 |
| Total domestic deposits to total assets | 85.1476% | 2,625 |
| Equity capital to assets | 14.6055% | 856 |
| Core capital (leverage) ratio | 14.4718% | 822 |
| Tier 1 risk-based capital ratio | 23.8057% | 858 |
| Total risk-based capital ratio | 24.8800% | 851 |
| Memoranda: | ||
| Average total assets | $149,703,000 | 3,390 |
| Average earning assets | $140,038,000 | 3,368 |
| Average equity | $21,923,500 | 2,981 |
| Average total loans | $112,471,500 | 3,125 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2124% | 3,404 |
| Cost of funding earning assets | 0.5339% | 3,153 |
| Net interest margin | 3.6786% | 3,123 |
| Noninterest income to average assets | 0.0743% | 5,221 |
| Noninterest expense to average assets | 2.6656% | 3,138 |
| Loan and lease loss provision to assets | 0.0750% | 2,629 |
| Net operating income to assets | 0.6053% | 4,402 |
| Return on assets (ROA) | 0.6053% | 4,409 |
| Pretax return on assets | 0.7894% | 4,197 |
| Return on Equity (ROE) | 4.2700% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.2700% | 3,198 |
| Net charge-offs to loans | 0.0554% | 2,348 |
| Credit loss provision to net charge-offs | 186.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 21.5167% | 1,938 |
| Efficiency ratio | 74.4879% | 1,560 |
| Assets per employee ($millions) | 4.3625% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8369% | 4,406 |
| Loan loss allowance to noncurrent loans | 61.0246% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.2607% | 1,021 |
| Noncurrent loans to loans | 1.3715% | 1,139 |
| Net loans and leases to total assets | 75.1675% | 1,743 |
| Net loans and leases to deposits | 88.3624% | 2,005 |
| Net loans and leases to core deposits | 89.5951% | 2,605 |
| Total domestic deposits to total assets | 85.0674% | 2,618 |
| Equity capital to assets | 14.6845% | 791 |
| Core capital (leverage) ratio | 14.3202% | 837 |
| Tier 1 risk-based capital ratio | 23.6497% | 854 |
| Total risk-based capital ratio | 24.6985% | 846 |
| Memoranda: | ||
| Average total assets | $149,349,600 | 3,395 |
| Average earning assets | $140,299,200 | 3,356 |
| Average equity | $21,171,200 | 2,971 |
| Average total loans | $108,239,200 | 3,165 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1803% | 3,381 |
| Cost of funding earning assets | 0.5132% | 3,109 |
| Net interest margin | 3.6672% | 3,133 |
| Noninterest income to average assets | 0.0356% | 5,376 |
| Noninterest expense to average assets | 2.6692% | 3,072 |
| Loan and lease loss provision to assets | 0.0579% | 2,821 |
| Net operating income to assets | 0.5775% | 4,563 |
| Return on assets (ROA) | 0.5775% | 4,569 |
| Pretax return on assets | 0.7540% | 4,419 |
| Return on Equity (ROE) | 4.1105% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.1105% | 3,720 |
| Net charge-offs to loans | 0.0622% | 1,936 |
| Credit loss provision to net charge-offs | 130.0000% | 1,892 |
| Earnings coverage of net charge-offs (x) | 18.2187% | 2,061 |
| Efficiency ratio | 75.6272% | 1,394 |
| Assets per employee ($millions) | 4.2303% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8254% | 4,539 |
| Loan loss allowance to noncurrent loans | 57.8005% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.2643% | 1,092 |
| Noncurrent loans to loans | 1.4280% | 1,159 |
| Net loans and leases to total assets | 73.3605% | 2,102 |
| Net loans and leases to deposits | 85.9845% | 2,371 |
| Net loans and leases to core deposits | 87.7467% | 2,856 |
| Total domestic deposits to total assets | 85.3183% | 2,480 |
| Equity capital to assets | 14.4521% | 839 |
| Core capital (leverage) ratio | 14.0934% | 910 |
| Tier 1 risk-based capital ratio | 24.1964% | 825 |
| Total risk-based capital ratio | 25.2405% | 830 |
| Memoranda: | ||
| Average total assets | $149,605,500 | 3,426 |
| Average earning assets | $140,559,500 | 3,389 |
| Average equity | $21,018,750 | 3,004 |
| Average total loans | $107,190,500 | 3,209 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1313% | 3,343 |
| Cost of funding earning assets | 0.4934% | 3,052 |
| Net interest margin | 3.6379% | 3,167 |
| Noninterest income to average assets | 0.0240% | 5,453 |
| Noninterest expense to average assets | 2.6779% | 3,086 |
| Loan and lease loss provision to assets | 0.0280% | 3,353 |
| Net operating income to assets | 0.5609% | 4,604 |
| Return on assets (ROA) | 0.5609% | 4,606 |
| Pretax return on assets | 0.7367% | 4,418 |
| Return on Equity (ROE) | 4.0302% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.0302% | 3,605 |
| Net charge-offs to loans | -0.0038% | 4,044 |
| Credit loss provision to net charge-offs | -1,050.0000% | 4,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7415% | 1,344 |
| Assets per employee ($millions) | 4.4034% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 4,561 |
| Loan loss allowance to noncurrent loans | 53.0233% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.4180% | 964 |
| Noncurrent loans to loans | 1.5989% | 1,015 |
| Net loans and leases to total assets | 71.2404% | 2,401 |
| Net loans and leases to deposits | 83.0865% | 2,639 |
| Net loans and leases to core deposits | 84.7603% | 3,025 |
| Total domestic deposits to total assets | 85.7424% | 2,396 |
| Equity capital to assets | 14.0492% | 920 |
| Core capital (leverage) ratio | 13.8964% | 931 |
| Tier 1 risk-based capital ratio | 24.2881% | 810 |
| Total risk-based capital ratio | 25.3533% | 794 |
| Memoranda: | ||
| Average total assets | $150,120,000 | 3,435 |
| Average earning assets | $141,070,000 | 3,396 |
| Average equity | $20,892,330 | 3,035 |
| Average total loans | $106,413,000 | 3,233 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1000% | 3,235 |
| Cost of funding earning assets | 0.4817% | 2,943 |
| Net interest margin | 3.6183% | 3,112 |
| Noninterest income to average assets | 0.0213% | 5,531 |
| Noninterest expense to average assets | 2.6530% | 3,185 |
| Loan and lease loss provision to assets | 0.0639% | 2,494 |
| Net operating income to assets | 0.5402% | 4,606 |
| Return on assets (ROA) | 0.5402% | 4,610 |
| Pretax return on assets | 0.7025% | 4,437 |
| Return on Equity (ROE) | 3.8998% | 4,789 |
| Retained earnings to average equity (ytd only) | 3.8998% | 3,635 |
| Net charge-offs to loans | -0.0151% | 4,421 |
| Credit loss provision to net charge-offs | -600.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4981% | 1,521 |
| Assets per employee ($millions) | 4.3248% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 4,603 |
| Loan loss allowance to noncurrent loans | 70.3761% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.2427% | 1,210 |
| Noncurrent loans to loans | 1.2218% | 1,484 |
| Net loans and leases to total assets | 69.8470% | 2,511 |
| Net loans and leases to deposits | 81.2427% | 2,664 |
| Net loans and leases to core deposits | 82.8574% | 3,075 |
| Total domestic deposits to total assets | 85.9733% | 2,553 |
| Equity capital to assets | 13.7717% | 957 |
| Core capital (leverage) ratio | 13.8312% | 908 |
| Tier 1 risk-based capital ratio | 24.1174% | 830 |
| Total risk-based capital ratio | 25.1880% | 826 |
| Memoranda: | ||
| Average total assets | $150,321,500 | 3,464 |
| Average earning assets | $141,170,000 | 3,437 |
| Average equity | $20,821,500 | 3,069 |
| Average total loans | $105,834,000 | 3,266 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 3,381 |
| Cost of funding earning assets | 0.4269% | 2,984 |
| Net interest margin | 3.5804% | 3,236 |
| Noninterest income to average assets | 0.1982% | 4,954 |
| Noninterest expense to average assets | 2.5480% | 3,615 |
| Loan and lease loss provision to assets | 0.1645% | 1,345 |
| Net operating income to assets | 0.5418% | 4,254 |
| Return on assets (ROA) | 0.5418% | 4,287 |
| Pretax return on assets | 0.8498% | 4,093 |
| Return on Equity (ROE) | 4.0264% | 4,492 |
| Retained earnings to average equity (ytd only) | 4.0264% | 2,777 |
| Net charge-offs to loans | 0.1730% | 1,430 |
| Credit loss provision to net charge-offs | 139.8876% | 1,890 |
| Earnings coverage of net charge-offs (x) | 8.6236% | 2,887 |
| Efficiency ratio | 70.5249% | 2,464 |
| Assets per employee ($millions) | 4.2650% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8465% | 4,679 |
| Loan loss allowance to noncurrent loans | 88.1944% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.1616% | 1,278 |
| Noncurrent loans to loans | 0.9598% | 1,846 |
| Net loans and leases to total assets | 69.7612% | 2,556 |
| Net loans and leases to deposits | 81.2896% | 2,785 |
| Net loans and leases to core deposits | 82.9280% | 3,158 |
| Total domestic deposits to total assets | 85.8181% | 2,525 |
| Equity capital to assets | 13.9320% | 933 |
| Core capital (leverage) ratio | 13.5325% | 948 |
| Tier 1 risk-based capital ratio | 24.3641% | 787 |
| Total risk-based capital ratio | 25.4272% | 786 |
| Memoranda: | ||
| Average total assets | $151,337,200 | 3,454 |
| Average earning assets | $142,190,800 | 3,425 |
| Average equity | $20,365,400 | 3,103 |
| Average total loans | $102,897,800 | 3,301 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9695% | 3,467 |
| Cost of funding earning assets | 0.4139% | 3,050 |
| Net interest margin | 3.5556% | 3,304 |
| Noninterest income to average assets | 0.2134% | 4,942 |
| Noninterest expense to average assets | 2.5507% | 3,565 |
| Loan and lease loss provision to assets | 0.1256% | 1,726 |
| Net operating income to assets | 0.6427% | 4,222 |
| Return on assets (ROA) | 0.6427% | 4,272 |
| Pretax return on assets | 0.8789% | 4,106 |
| Return on Equity (ROE) | 4.8179% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.8179% | 3,011 |
| Net charge-offs to loans | 0.1159% | 1,629 |
| Credit loss provision to net charge-offs | 160.6742% | 1,597 |
| Earnings coverage of net charge-offs (x) | 12.8544% | 2,395 |
| Efficiency ratio | 70.7335% | 2,414 |
| Assets per employee ($millions) | 4.3429% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8441% | 4,780 |
| Loan loss allowance to noncurrent loans | 87.9032% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.1710% | 1,407 |
| Noncurrent loans to loans | 0.9603% | 2,004 |
| Net loans and leases to total assets | 67.3884% | 2,939 |
| Net loans and leases to deposits | 78.2579% | 3,136 |
| Net loans and leases to core deposits | 79.4698% | 3,495 |
| Total domestic deposits to total assets | 86.1106% | 2,263 |
| Equity capital to assets | 13.6420% | 1,103 |
| Core capital (leverage) ratio | 13.3903% | 1,063 |
| Tier 1 risk-based capital ratio | 24.7270% | 784 |
| Total risk-based capital ratio | 25.7909% | 782 |
| Memoranda: | ||
| Average total assets | $151,852,750 | 3,477 |
| Average earning assets | $142,718,500 | 3,441 |
| Average equity | $20,257,500 | 3,136 |
| Average total loans | $102,366,000 | 3,342 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 3,377 |
| Cost of funding earning assets | 0.4022% | 3,048 |
| Net interest margin | 3.5472% | 3,227 |
| Noninterest income to average assets | 0.1594% | 5,252 |
| Noninterest expense to average assets | 2.5388% | 3,621 |
| Loan and lease loss provision to assets | 0.1041% | 1,947 |
| Net operating income to assets | 0.6535% | 4,062 |
| Return on assets (ROA) | 0.6535% | 4,119 |
| Pretax return on assets | 0.8511% | 4,095 |
| Return on Equity (ROE) | 4.9358% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.9358% | 2,751 |
| Net charge-offs to loans | 0.0901% | 1,708 |
| Credit loss provision to net charge-offs | 171.7391% | 1,397 |
| Earnings coverage of net charge-offs (x) | 15.7609% | 2,012 |
| Efficiency ratio | 71.6440% | 2,407 |
| Assets per employee ($millions) | 4.4451% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8260% | 4,880 |
| Loan loss allowance to noncurrent loans | 77.2232% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.0335% | 1,697 |
| Noncurrent loans to loans | 1.0696% | 1,834 |
| Net loans and leases to total assets | 67.6076% | 2,861 |
| Net loans and leases to deposits | 78.3742% | 3,081 |
| Net loans and leases to core deposits | 79.5921% | 3,449 |
| Total domestic deposits to total assets | 86.2625% | 2,264 |
| Equity capital to assets | 13.4860% | 1,152 |
| Core capital (leverage) ratio | 13.2070% | 1,101 |
| Tier 1 risk-based capital ratio | 24.7337% | 780 |
| Total risk-based capital ratio | 25.7853% | 777 |
| Memoranda: | ||
| Average total assets | $151,803,330 | 3,495 |
| Average earning assets | $142,704,670 | 3,454 |
| Average equity | $20,098,000 | 3,150 |
| Average total loans | $102,053,670 | 3,359 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9312% | 3,274 |
| Cost of funding earning assets | 0.3920% | 3,083 |
| Net interest margin | 3.5392% | 3,122 |
| Noninterest income to average assets | 0.1578% | 5,330 |
| Noninterest expense to average assets | 2.5030% | 3,795 |
| Loan and lease loss provision to assets | 0.1025% | 1,853 |
| Net operating income to assets | 0.5337% | 4,448 |
| Return on assets (ROA) | 0.5337% | 4,491 |
| Pretax return on assets | 0.8755% | 3,846 |
| Return on Equity (ROE) | 4.0690% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.0690% | 3,424 |
| Net charge-offs to loans | 0.1772% | 942 |
| Credit loss provision to net charge-offs | 86.6667% | 1,713 |
| Earnings coverage of net charge-offs (x) | 8.2667% | 2,073 |
| Efficiency ratio | 70.8459% | 2,768 |
| Assets per employee ($millions) | 4.2289% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 5,084 |
| Loan loss allowance to noncurrent loans | 70.4861% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.0739% | 1,671 |
| Noncurrent loans to loans | 1.1263% | 1,813 |
| Net loans and leases to total assets | 66.6505% | 2,872 |
| Net loans and leases to deposits | 77.0615% | 3,071 |
| Net loans and leases to core deposits | 78.0064% | 3,471 |
| Total domestic deposits to total assets | 86.4899% | 2,444 |
| Equity capital to assets | 13.1790% | 1,195 |
| Core capital (leverage) ratio | 13.0203% | 1,135 |
| Tier 1 risk-based capital ratio | 24.2602% | 842 |
| Total risk-based capital ratio | 25.2593% | 852 |
| Memoranda: | ||
| Average total assets | $152,138,000 | 3,526 |
| Average earning assets | $142,856,000 | 3,486 |
| Average equity | $19,956,000 | 3,180 |
| Average total loans | $101,566,000 | 3,390 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 2,070 |
| Cost of funding earning assets | 0.4046% | 2,956 |
| Net interest margin | 3.9181% | 1,912 |
| Noninterest income to average assets | 0.5062% | 3,196 |
| Noninterest expense to average assets | 3.1111% | 2,000 |
| Loan and lease loss provision to assets | 0.1324% | 1,884 |
| Net operating income to assets | 0.7010% | 3,777 |
| Return on assets (ROA) | 0.7010% | 3,886 |
| Pretax return on assets | 0.9287% | 3,739 |
| Return on Equity (ROE) | 5.7904% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.7904% | 1,830 |
| Net charge-offs to loans | 0.1286% | 1,958 |
| Credit loss provision to net charge-offs | 158.1967% | 1,738 |
| Earnings coverage of net charge-offs (x) | 12.6803% | 2,430 |
| Efficiency ratio | 73.6807% | 2,327 |
| Assets per employee ($millions) | 4.2232% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 5,079 |
| Loan loss allowance to noncurrent loans | 54.3883% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 1.2701% | 1,402 |
| Noncurrent loans to loans | 1.4913% | 1,349 |
| Net loans and leases to total assets | 65.7958% | 3,104 |
| Net loans and leases to deposits | 75.9504% | 3,318 |
| Net loans and leases to core deposits | 76.8826% | 3,673 |
| Total domestic deposits to total assets | 86.6300% | 2,318 |
| Equity capital to assets | 13.0550% | 1,233 |
| Core capital (leverage) ratio | 12.7437% | 1,236 |
| Tier 1 risk-based capital ratio | 24.9027% | 778 |
| Total risk-based capital ratio | 25.9427% | 783 |
| Memoranda: | ||
| Average total assets | $145,801,600 | 3,579 |
| Average earning assets | $136,419,600 | 3,547 |
| Average equity | $17,650,000 | 3,465 |
| Average total loans | $94,902,000 | 3,482 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 1,608 |
| Cost of funding earning assets | 0.4069% | 2,960 |
| Net interest margin | 4.0726% | 1,469 |
| Noninterest income to average assets | 0.6313% | 2,514 |
| Noninterest expense to average assets | 3.3378% | 1,478 |
| Loan and lease loss provision to assets | 0.1645% | 1,386 |
| Net operating income to assets | 0.7487% | 3,613 |
| Return on assets (ROA) | 0.7487% | 3,741 |
| Pretax return on assets | 0.9410% | 3,841 |
| Return on Equity (ROE) | 6.3154% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.3154% | 2,002 |
| Net charge-offs to loans | 0.1684% | 1,360 |
| Credit loss provision to net charge-offs | 150.8475% | 1,761 |
| Earnings coverage of net charge-offs (x) | 10.1356% | 2,610 |
| Efficiency ratio | 74.2667% | 2,233 |
| Assets per employee ($millions) | 4.5442% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8063% | 5,172 |
| Loan loss allowance to noncurrent loans | 65.8776% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.1353% | 1,775 |
| Noncurrent loans to loans | 1.2239% | 1,833 |
| Net loans and leases to total assets | 64.2574% | 3,363 |
| Net loans and leases to deposits | 73.9900% | 3,600 |
| Net loans and leases to core deposits | 74.7127% | 3,950 |
| Total domestic deposits to total assets | 86.8461% | 1,965 |
| Equity capital to assets | 12.8134% | 1,590 |
| Core capital (leverage) ratio | 12.3821% | 1,450 |
| Tier 1 risk-based capital ratio | 24.1724% | 889 |
| Total risk-based capital ratio | 25.1794% | 890 |
| Memoranda: | ||
| Average total assets | $144,243,500 | 3,615 |
| Average earning assets | $135,012,500 | 3,586 |
| Average equity | $17,100,500 | 3,567 |
| Average total loans | $93,415,000 | 3,524 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4860% | 1,558 |
| Cost of funding earning assets | 0.4140% | 2,894 |
| Net interest margin | 4.0720% | 1,441 |
| Noninterest income to average assets | 0.8749% | 1,455 |
| Noninterest expense to average assets | 3.8019% | 766 |
| Loan and lease loss provision to assets | 0.1647% | 1,367 |
| Net operating income to assets | 0.4630% | 4,829 |
| Return on assets (ROA) | 0.4630% | 4,915 |
| Pretax return on assets | 0.7215% | 4,552 |
| Return on Equity (ROE) | 4.0243% | 4,906 |
| Retained earnings to average equity (ytd only) | 4.0243% | 3,344 |
| Net charge-offs to loans | 0.2632% | 916 |
| Credit loss provision to net charge-offs | 96.6667% | 2,169 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,884 |
| Efficiency ratio | 80.2787% | 1,462 |
| Assets per employee ($millions) | 4.4010% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7494% | 5,407 |
| Loan loss allowance to noncurrent loans | 30.4508% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 1.9143% | 872 |
| Noncurrent loans to loans | 2.4611% | 723 |
| Net loans and leases to total assets | 62.1073% | 3,614 |
| Net loans and leases to deposits | 71.0620% | 3,879 |
| Net loans and leases to core deposits | 71.8848% | 4,189 |
| Total domestic deposits to total assets | 87.3988% | 1,715 |
| Equity capital to assets | 12.2560% | 1,936 |
| Core capital (leverage) ratio | 11.7835% | 1,790 |
| Tier 1 risk-based capital ratio | 23.7368% | 927 |
| Total risk-based capital ratio | 24.6709% | 952 |
| Memoranda: | ||
| Average total assets | $140,824,000 | 3,702 |
| Average earning assets | $131,877,670 | 3,661 |
| Average equity | $16,201,670 | 3,709 |
| Average total loans | $91,191,330 | 3,581 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 1,232 |
| Cost of funding earning assets | 0.4399% | 2,683 |
| Net interest margin | 4.1731% | 1,163 |
| Noninterest income to average assets | 0.1182% | 5,749 |
| Noninterest expense to average assets | 5.2023% | 244 |
| Loan and lease loss provision to assets | 0.0242% | 3,362 |
| Net operating income to assets | -0.7393% | 6,005 |
| Return on assets (ROA) | -0.7393% | 6,007 |
| Pretax return on assets | -1.1998% | 6,033 |
| Return on Equity (ROE) | -6.6879% | 5,999 |
| Retained earnings to average equity (ytd only) | -6.6879% | 5,704 |
| Net charge-offs to loans | 0.0826% | 1,668 |
| Credit loss provision to net charge-offs | 44.4444% | 2,101 |
| Earnings coverage of net charge-offs (x) | -21.5556% | 3,078 |
| Efficiency ratio | 129.1949% | 72 |
| Assets per employee ($millions) | 4.0867% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7495% | 5,499 |
| Loan loss allowance to noncurrent loans | 42.4539% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 1.4506% | 1,423 |
| Noncurrent loans to loans | 1.7654% | 1,252 |
| Net loans and leases to total assets | 61.2359% | 3,628 |
| Net loans and leases to deposits | 69.6842% | 3,885 |
| Net loans and leases to core deposits | 70.4823% | 4,208 |
| Total domestic deposits to total assets | 87.8763% | 1,706 |
| Equity capital to assets | 11.1763% | 2,744 |
| Core capital (leverage) ratio | 11.1708% | 2,250 |
| Tier 1 risk-based capital ratio | 23.0239% | 1,008 |
| Total risk-based capital ratio | 23.9536% | 1,027 |
| Memoranda: | ||
| Average total assets | $132,017,500 | 3,880 |
| Average earning assets | $123,650,500 | 3,834 |
| Average equity | $14,593,500 | 3,915 |
| Average total loans | $87,215,000 | 3,674 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2588% | 2,355 |
| Cost of funding earning assets | 0.3981% | 3,184 |
| Net interest margin | 3.8606% | 2,163 |
| Noninterest income to average assets | -0.0047% | 6,118 |
| Noninterest expense to average assets | 3.5849% | 1,157 |
| Loan and lease loss provision to assets | 0.0282% | 3,806 |
| Net operating income to assets | 0.0169% | 5,855 |
| Return on assets (ROA) | 0.0169% | 5,881 |
| Pretax return on assets | -0.0047% | 5,890 |
| Return on Equity (ROE) | 0.1556% | 5,879 |
| Retained earnings to average equity (ytd only) | 0.1556% | 5,444 |
| Net charge-offs to loans | 0.0285% | 3,653 |
| Credit loss provision to net charge-offs | 136.3636% | 1,919 |
| Earnings coverage of net charge-offs (x) | 1.1364% | 4,137 |
| Efficiency ratio | 99.3481% | 298 |
| Assets per employee ($millions) | 3.3759% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 4,707 |
| Loan loss allowance to noncurrent loans | 125.5462% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 2,980 |
| Noncurrent loans to loans | 0.7819% | 2,829 |
| Net loans and leases to total assets | 71.9970% | 2,051 |
| Net loans and leases to deposits | 81.7115% | 2,629 |
| Net loans and leases to core deposits | 82.9155% | 3,058 |
| Total domestic deposits to total assets | 88.1112% | 1,571 |
| Equity capital to assets | 10.8683% | 2,971 |
| Core capital (leverage) ratio | 11.3331% | 2,100 |
| Tier 1 risk-based capital ratio | 20.8294% | 1,327 |
| Total risk-based capital ratio | 22.0808% | 1,304 |
| Memoranda: | ||
| Average total assets | $106,277,800 | 4,326 |
| Average earning assets | $99,465,600 | 4,307 |
| Average equity | $11,566,200 | 4,380 |
| Average total loans | $77,310,400 | 3,903 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 2,365 |
| Cost of funding earning assets | 0.4097% | 3,127 |
| Net interest margin | 3.8502% | 2,186 |
| Noninterest income to average assets | 0.1675% | 5,642 |
| Noninterest expense to average assets | 2.8345% | 3,060 |
| Loan and lease loss provision to assets | 0.0312% | 3,613 |
| Net operating income to assets | 0.5749% | 4,503 |
| Return on assets (ROA) | 0.5749% | 4,595 |
| Pretax return on assets | 0.9073% | 3,962 |
| Return on Equity (ROE) | 5.2808% | 4,503 |
| Retained earnings to average equity (ytd only) | 5.2808% | 2,736 |
| Net charge-offs to loans | 0.0326% | 3,267 |
| Credit loss provision to net charge-offs | 131.5789% | 1,862 |
| Earnings coverage of net charge-offs (x) | 39.5306% | 1,258 |
| Efficiency ratio | 75.1242% | 2,384 |
| Assets per employee ($millions) | 3.3330% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 4,895 |
| Loan loss allowance to noncurrent loans | 122.9373% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 3,227 |
| Noncurrent loans to loans | 0.7892% | 2,991 |
| Net loans and leases to total assets | 73.5923% | 1,805 |
| Net loans and leases to deposits | 83.3145% | 2,484 |
| Net loans and leases to core deposits | 84.5570% | 2,980 |
| Total domestic deposits to total assets | 88.3307% | 1,390 |
| Equity capital to assets | 11.4361% | 2,551 |
| Core capital (leverage) ratio | 11.7497% | 1,858 |
| Tier 1 risk-based capital ratio | 21.7455% | 1,232 |
| Total risk-based capital ratio | 22.9965% | 1,205 |
| Memoranda: | ||
| Average total assets | $106,684,000 | 4,370 |
| Average earning assets | $99,904,500 | 4,336 |
| Average equity | $11,614,250 | 4,423 |
| Average total loans | $77,614,500 | 3,933 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 2,468 |
| Cost of funding earning assets | 0.4218% | 3,023 |
| Net interest margin | 3.7999% | 2,306 |
| Noninterest income to average assets | 0.1447% | 5,840 |
| Noninterest expense to average assets | 2.7939% | 3,255 |
| Loan and lease loss provision to assets | 0.0334% | 3,451 |
| Net operating income to assets | 0.5566% | 4,532 |
| Return on assets (ROA) | 0.5566% | 4,639 |
| Pretax return on assets | 0.8775% | 4,039 |
| Return on Equity (ROE) | 5.1962% | 4,526 |
| Retained earnings to average equity (ytd only) | 5.1962% | 2,732 |
| Net charge-offs to loans | 0.0462% | 2,772 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 27.2778% | 1,457 |
| Efficiency ratio | 75.4131% | 2,472 |
| Assets per employee ($millions) | 3.3425% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 5,028 |
| Loan loss allowance to noncurrent loans | 236.8590% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 4,307 |
| Noncurrent loans to loans | 0.4076% | 4,255 |
| Net loans and leases to total assets | 70.8798% | 2,181 |
| Net loans and leases to deposits | 79.7352% | 2,826 |
| Net loans and leases to core deposits | 81.3121% | 3,249 |
| Total domestic deposits to total assets | 88.8940% | 1,190 |
| Equity capital to assets | 10.8966% | 2,994 |
| Core capital (leverage) ratio | 11.2162% | 2,231 |
| Tier 1 risk-based capital ratio | 21.3496% | 1,303 |
| Total risk-based capital ratio | 22.6009% | 1,284 |
| Memoranda: | ||
| Average total assets | $107,804,670 | 4,388 |
| Average earning assets | $101,003,000 | 4,346 |
| Average equity | $11,547,000 | 4,461 |
| Average total loans | $77,892,000 | 3,952 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 2,278 |
| Cost of funding earning assets | 0.4458% | 2,818 |
| Net interest margin | 3.8031% | 2,225 |
| Noninterest income to average assets | 0.1441% | 5,882 |
| Noninterest expense to average assets | 2.6204% | 3,857 |
| Loan and lease loss provision to assets | 0.0370% | 3,160 |
| Net operating income to assets | 0.6616% | 4,003 |
| Return on assets (ROA) | 0.6616% | 4,126 |
| Pretax return on assets | 1.0496% | 3,301 |
| Return on Equity (ROE) | 6.2299% | 3,917 |
| Retained earnings to average equity (ytd only) | 6.2299% | 2,365 |
| Net charge-offs to loans | 0.1171% | 1,579 |
| Credit loss provision to net charge-offs | 43.4783% | 2,159 |
| Earnings coverage of net charge-offs (x) | 12.7826% | 1,769 |
| Efficiency ratio | 70.6879% | 3,370 |
| Assets per employee ($millions) | 3.3833% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 5,299 |
| Loan loss allowance to noncurrent loans | 187.1134% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 4,158 |
| Noncurrent loans to loans | 0.5016% | 4,076 |
| Net loans and leases to total assets | 70.7766% | 2,022 |
| Net loans and leases to deposits | 80.5625% | 2,494 |
| Net loans and leases to core deposits | 82.2540% | 2,937 |
| Total domestic deposits to total assets | 87.8531% | 1,904 |
| Equity capital to assets | 10.7033% | 3,317 |
| Core capital (leverage) ratio | 11.1043% | 2,312 |
| Tier 1 risk-based capital ratio | 20.7808% | 1,462 |
| Total risk-based capital ratio | 22.0282% | 1,431 |
| Memoranda: | ||
| Average total assets | $108,227,000 | 4,405 |
| Average earning assets | $101,391,500 | 4,355 |
| Average equity | $11,493,000 | 4,510 |
| Average total loans | $78,562,000 | 3,945 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 2,343 |
| Cost of funding earning assets | 0.5175% | 2,513 |
| Net interest margin | 3.8474% | 2,435 |
| Noninterest income to average assets | 0.1799% | 5,776 |
| Noninterest expense to average assets | 2.6154% | 4,162 |
| Loan and lease loss provision to assets | 0.0334% | 3,925 |
| Net operating income to assets | 0.7187% | 3,799 |
| Return on assets (ROA) | 0.7187% | 3,906 |
| Pretax return on assets | 1.1400% | 2,924 |
| Return on Equity (ROE) | 7.2519% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.2519% | 1,294 |
| Net charge-offs to loans | 0.0692% | 3,487 |
| Credit loss provision to net charge-offs | 66.0714% | 3,160 |
| Earnings coverage of net charge-offs (x) | 23.1786% | 1,598 |
| Efficiency ratio | 69.0289% | 3,707 |
| Assets per employee ($millions) | 3.3809% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 5,378 |
| Loan loss allowance to noncurrent loans | 85.7309% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 0.9058% | 2,950 |
| Noncurrent loans to loans | 1.0806% | 2,659 |
| Net loans and leases to total assets | 73.0506% | 1,747 |
| Net loans and leases to deposits | 83.5301% | 2,272 |
| Net loans and leases to core deposits | 85.3985% | 2,743 |
| Total domestic deposits to total assets | 87.4542% | 2,057 |
| Equity capital to assets | 10.5354% | 3,436 |
| Core capital (leverage) ratio | 10.9312% | 2,466 |
| Tier 1 risk-based capital ratio | 20.7560% | 1,452 |
| Total risk-based capital ratio | 22.0066% | 1,429 |
| Memoranda: | ||
| Average total assets | $110,615,000 | 4,371 |
| Average earning assets | $103,759,200 | 4,316 |
| Average equity | $10,962,600 | 4,567 |
| Average total loans | $80,885,200 | 3,854 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 2,315 |
| Cost of funding earning assets | 0.5302% | 2,464 |
| Net interest margin | 3.8465% | 2,446 |
| Noninterest income to average assets | 0.1798% | 5,840 |
| Noninterest expense to average assets | 2.6409% | 4,046 |
| Loan and lease loss provision to assets | 0.0300% | 3,810 |
| Net operating income to assets | 0.7049% | 3,918 |
| Return on assets (ROA) | 0.7049% | 4,021 |
| Pretax return on assets | 1.1185% | 3,115 |
| Return on Equity (ROE) | 7.2231% | 3,594 |
| Retained earnings to average equity (ytd only) | 7.2231% | 1,703 |
| Net charge-offs to loans | 0.0493% | 3,515 |
| Credit loss provision to net charge-offs | 83.3333% | 2,531 |
| Earnings coverage of net charge-offs (x) | 31.9325% | 1,315 |
| Efficiency ratio | 69.6931% | 3,564 |
| Assets per employee ($millions) | 3.4491% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 5,458 |
| Loan loss allowance to noncurrent loans | 77.1516% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 0.9821% | 2,993 |
| Noncurrent loans to loans | 1.2217% | 2,604 |
| Net loans and leases to total assets | 71.6975% | 1,907 |
| Net loans and leases to deposits | 81.4999% | 2,488 |
| Net loans and leases to core deposits | 83.2770% | 2,965 |
| Total domestic deposits to total assets | 87.9725% | 1,785 |
| Equity capital to assets | 10.1239% | 4,021 |
| Core capital (leverage) ratio | 10.5519% | 2,978 |
| Tier 1 risk-based capital ratio | 20.0236% | 1,667 |
| Total risk-based capital ratio | 21.2737% | 1,640 |
| Memoranda: | ||
| Average total assets | $111,221,750 | 4,398 |
| Average earning assets | $104,369,250 | 4,342 |
| Average equity | $10,853,750 | 4,621 |
| Average total loans | $81,163,750 | 3,870 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 2,075 |
| Cost of funding earning assets | 0.5443% | 2,392 |
| Net interest margin | 3.8828% | 2,240 |
| Noninterest income to average assets | 0.1847% | 5,846 |
| Noninterest expense to average assets | 2.6223% | 4,163 |
| Loan and lease loss provision to assets | 0.0377% | 3,542 |
| Net operating income to assets | 0.7372% | 3,638 |
| Return on assets (ROA) | 0.7372% | 3,731 |
| Pretax return on assets | 1.1712% | 2,794 |
| Return on Equity (ROE) | 7.6486% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.6486% | 1,454 |
| Net charge-offs to loans | 0.0858% | 2,833 |
| Credit loss provision to net charge-offs | 60.0000% | 2,640 |
| Earnings coverage of net charge-offs (x) | 19.2571% | 1,637 |
| Efficiency ratio | 68.4457% | 3,927 |
| Assets per employee ($millions) | 3.2722% | 5,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 5,644 |
| Loan loss allowance to noncurrent loans | 120.0000% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 4,021 |
| Noncurrent loans to loans | 0.7712% | 3,777 |
| Net loans and leases to total assets | 71.5925% | 1,813 |
| Net loans and leases to deposits | 81.2981% | 2,347 |
| Net loans and leases to core deposits | 83.0554% | 2,846 |
| Total domestic deposits to total assets | 88.0618% | 1,869 |
| Equity capital to assets | 9.8628% | 4,279 |
| Core capital (leverage) ratio | 10.3055% | 3,210 |
| Tier 1 risk-based capital ratio | 19.6601% | 1,768 |
| Total risk-based capital ratio | 20.9097% | 1,734 |
| Memoranda: | ||
| Average total assets | $111,505,000 | 4,417 |
| Average earning assets | $104,719,000 | 4,352 |
| Average equity | $10,747,000 | 4,664 |
| Average total loans | $81,589,330 | 3,861 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 2,097 |
| Cost of funding earning assets | 0.5723% | 2,224 |
| Net interest margin | 3.8385% | 2,307 |
| Noninterest income to average assets | 0.1720% | 5,940 |
| Noninterest expense to average assets | 2.6373% | 4,160 |
| Loan and lease loss provision to assets | 0.0036% | 3,774 |
| Net operating income to assets | 0.7131% | 3,618 |
| Return on assets (ROA) | 0.7131% | 3,703 |
| Pretax return on assets | 1.1359% | 2,742 |
| Return on Equity (ROE) | 7.4854% | 3,212 |
| Retained earnings to average equity (ytd only) | 7.4854% | 1,826 |
| Net charge-offs to loans | 0.1801% | 1,640 |
| Credit loss provision to net charge-offs | 2.7027% | 2,664 |
| Earnings coverage of net charge-offs (x) | 8.5946% | 2,006 |
| Efficiency ratio | 69.8292% | 3,867 |
| Assets per employee ($millions) | 3.3102% | 5,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 5,927 |
| Loan loss allowance to noncurrent loans | 84.1492% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8503% | 3,598 |
| Noncurrent loans to loans | 1.0452% | 3,334 |
| Net loans and leases to total assets | 72.2940% | 1,536 |
| Net loans and leases to deposits | 81.9747% | 2,043 |
| Net loans and leases to core deposits | 83.7362% | 2,547 |
| Total domestic deposits to total assets | 88.1906% | 2,116 |
| Equity capital to assets | 9.5499% | 4,428 |
| Core capital (leverage) ratio | 10.0011% | 3,573 |
| Tier 1 risk-based capital ratio | 18.8418% | 2,016 |
| Total risk-based capital ratio | 20.0436% | 1,990 |
| Memoranda: | ||
| Average total assets | $111,629,500 | 4,455 |
| Average earning assets | $104,832,000 | 4,389 |
| Average equity | $10,634,000 | 4,699 |
| Average total loans | $82,186,500 | 3,882 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 2,672 |
| Cost of funding earning assets | 0.7815% | 1,314 |
| Net interest margin | 3.5931% | 3,491 |
| Noninterest income to average assets | 0.2660% | 5,443 |
| Noninterest expense to average assets | 2.9055% | 3,359 |
| Loan and lease loss provision to assets | 0.0711% | 3,702 |
| Net operating income to assets | 0.4194% | 5,083 |
| Return on assets (ROA) | 0.4194% | 5,193 |
| Pretax return on assets | 0.6560% | 4,678 |
| Return on Equity (ROE) | 4.7544% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.7544% | 2,764 |
| Net charge-offs to loans | 0.0885% | 3,962 |
| Credit loss provision to net charge-offs | 112.3288% | 2,148 |
| Earnings coverage of net charge-offs (x) | 11.4932% | 2,233 |
| Efficiency ratio | 79.9857% | 2,150 |
| Assets per employee ($millions) | 3.3549% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 5,853 |
| Loan loss allowance to noncurrent loans | 89.9170% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 3,761 |
| Noncurrent loans to loans | 1.0245% | 3,466 |
| Net loans and leases to total assets | 73.6400% | 1,412 |
| Net loans and leases to deposits | 83.7294% | 1,973 |
| Net loans and leases to core deposits | 85.5651% | 2,499 |
| Total domestic deposits to total assets | 87.9499% | 2,203 |
| Equity capital to assets | 9.5020% | 4,424 |
| Core capital (leverage) ratio | 9.9936% | 3,588 |
| Tier 1 risk-based capital ratio | 18.5765% | 2,058 |
| Total risk-based capital ratio | 19.8276% | 2,023 |
| Memoranda: | ||
| Average total assets | $115,402,400 | 4,373 |
| Average earning assets | $108,124,200 | 4,307 |
| Average equity | $10,180,000 | 4,802 |
| Average total loans | $82,467,200 | 3,867 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3583% | 2,740 |
| Cost of funding earning assets | 0.8243% | 1,194 |
| Net interest margin | 3.5340% | 3,738 |
| Noninterest income to average assets | 0.2951% | 5,339 |
| Noninterest expense to average assets | 3.0069% | 2,972 |
| Loan and lease loss provision to assets | 0.0595% | 3,860 |
| Net operating income to assets | 0.3420% | 5,458 |
| Return on assets (ROA) | 0.3420% | 5,587 |
| Pretax return on assets | 0.5387% | 5,238 |
| Return on Equity (ROE) | 3.9491% | 5,241 |
| Retained earnings to average equity (ytd only) | 3.9491% | 3,878 |
| Net charge-offs to loans | 0.0663% | 3,971 |
| Credit loss provision to net charge-offs | 126.8293% | 1,857 |
| Earnings coverage of net charge-offs (x) | 12.7551% | 2,098 |
| Efficiency ratio | 83.4074% | 1,667 |
| Assets per employee ($millions) | 3.3870% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 5,996 |
| Loan loss allowance to noncurrent loans | 70.0461% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.0593% | 3,533 |
| Noncurrent loans to loans | 1.3169% | 3,214 |
| Net loans and leases to total assets | 73.0315% | 1,449 |
| Net loans and leases to deposits | 83.1768% | 1,983 |
| Net loans and leases to core deposits | 85.2663% | 2,497 |
| Total domestic deposits to total assets | 87.8027% | 2,245 |
| Equity capital to assets | 9.2654% | 4,843 |
| Core capital (leverage) ratio | 9.7843% | 3,984 |
| Tier 1 risk-based capital ratio | 18.1525% | 2,267 |
| Total risk-based capital ratio | 19.4141% | 2,227 |
| Memoranda: | ||
| Average total assets | $116,574,750 | 4,392 |
| Average earning assets | $109,182,750 | 4,329 |
| Average equity | $10,095,000 | 4,872 |
| Average total loans | $82,512,250 | 3,897 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3381% | 2,796 |
| Cost of funding earning assets | 0.8611% | 1,079 |
| Net interest margin | 3.4770% | 3,887 |
| Noninterest income to average assets | 0.3385% | 4,968 |
| Noninterest expense to average assets | 3.2071% | 2,338 |
| Loan and lease loss provision to assets | 0.0406% | 4,142 |
| Net operating income to assets | 0.2251% | 5,829 |
| Return on assets (ROA) | 0.2251% | 5,957 |
| Pretax return on assets | 0.3436% | 5,767 |
| Return on Equity (ROE) | 2.6579% | 5,733 |
| Retained earnings to average equity (ytd only) | 2.6579% | 4,614 |
| Net charge-offs to loans | 0.1114% | 3,250 |
| Credit loss provision to net charge-offs | 52.1739% | 3,173 |
| Earnings coverage of net charge-offs (x) | 4.9348% | 2,998 |
| Efficiency ratio | 89.3025% | 1,101 |
| Assets per employee ($millions) | 3.4379% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 6,132 |
| Loan loss allowance to noncurrent loans | 70.8577% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.4279% | 2,960 |
| Noncurrent loans to loans | 1.2684% | 3,433 |
| Net loans and leases to total assets | 68.5804% | 2,131 |
| Net loans and leases to deposits | 79.9894% | 2,318 |
| Net loans and leases to core deposits | 81.7439% | 2,828 |
| Total domestic deposits to total assets | 85.7369% | 3,510 |
| Equity capital to assets | 8.5697% | 5,695 |
| Core capital (leverage) ratio | 9.1890% | 4,714 |
| Tier 1 risk-based capital ratio | 17.7870% | 2,398 |
| Total risk-based capital ratio | 18.9876% | 2,390 |
| Memoranda: | ||
| Average total assets | $118,176,000 | 4,386 |
| Average earning assets | $110,555,330 | 4,322 |
| Average equity | $10,008,000 | 4,933 |
| Average total loans | $82,553,670 | 3,912 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3657% | 2,639 |
| Cost of funding earning assets | 0.8890% | 1,041 |
| Net interest margin | 3.4767% | 3,802 |
| Noninterest income to average assets | 0.2121% | 5,964 |
| Noninterest expense to average assets | 2.6629% | 4,206 |
| Loan and lease loss provision to assets | 0.0337% | 4,025 |
| Net operating income to assets | 0.4814% | 4,769 |
| Return on assets (ROA) | 0.4814% | 4,929 |
| Pretax return on assets | 0.7676% | 4,307 |
| Return on Equity (ROE) | 5.7180% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.7180% | 2,830 |
| Net charge-offs to loans | 0.0144% | 3,858 |
| Credit loss provision to net charge-offs | 333.3333% | 725 |
| Earnings coverage of net charge-offs (x) | 79.3333% | 471 |
| Efficiency ratio | 76.8707% | 2,785 |
| Assets per employee ($millions) | 3.4777% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 6,198 |
| Loan loss allowance to noncurrent loans | 87.0968% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.8572% | 2,532 |
| Noncurrent loans to loans | 1.0625% | 4,018 |
| Net loans and leases to total assets | 68.4495% | 1,931 |
| Net loans and leases to deposits | 79.9723% | 2,075 |
| Net loans and leases to core deposits | 81.9555% | 2,573 |
| Total domestic deposits to total assets | 85.5914% | 3,744 |
| Equity capital to assets | 8.5198% | 6,003 |
| Core capital (leverage) ratio | 9.0684% | 4,773 |
| Tier 1 risk-based capital ratio | 17.1250% | 2,697 |
| Total risk-based capital ratio | 18.3261% | 2,687 |
| Memoranda: | ||
| Average total assets | $118,819,500 | 4,420 |
| Average earning assets | $111,138,500 | 4,350 |
| Average equity | $10,003,500 | 4,985 |
| Average total loans | $83,385,500 | 3,917 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 2,308 |
| Cost of funding earning assets | 1.0994% | 910 |
| Net interest margin | 3.6732% | 3,776 |
| Noninterest income to average assets | 0.2368% | 5,756 |
| Noninterest expense to average assets | 2.8584% | 3,819 |
| Loan and lease loss provision to assets | 0.4794% | 1,282 |
| Net operating income to assets | 0.2156% | 5,745 |
| Return on assets (ROA) | 0.1557% | 6,041 |
| Pretax return on assets | 0.2443% | 5,920 |
| Return on Equity (ROE) | 1.9131% | 5,928 |
| Retained earnings to average equity (ytd only) | 1.9131% | 4,870 |
| Net charge-offs to loans | 0.3680% | 2,790 |
| Credit loss provision to net charge-offs | 174.9245% | 1,507 |
| Earnings coverage of net charge-offs (x) | 2.9819% | 3,933 |
| Efficiency ratio | 77.7653% | 2,484 |
| Assets per employee ($millions) | 3.6181% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8804% | 6,309 |
| Loan loss allowance to noncurrent loans | 39.3796% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 1.7748% | 2,746 |
| Noncurrent loans to loans | 2.2356% | 2,425 |
| Net loans and leases to total assets | 70.6299% | 1,721 |
| Net loans and leases to deposits | 83.3449% | 1,834 |
| Net loans and leases to core deposits | 85.6333% | 2,358 |
| Total domestic deposits to total assets | 84.7442% | 3,969 |
| Equity capital to assets | 8.3193% | 6,184 |
| Core capital (leverage) ratio | 8.8587% | 5,084 |
| Tier 1 risk-based capital ratio | 16.2640% | 3,018 |
| Total risk-based capital ratio | 17.4093% | 3,027 |
| Memoranda: | ||
| Average total assets | $120,766,200 | 4,348 |
| Average earning assets | $113,061,200 | 4,273 |
| Average equity | $9,827,200 | 5,012 |
| Average total loans | $89,951,800 | 3,749 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 2,184 |
| Cost of funding earning assets | 1.1382% | 911 |
| Net interest margin | 3.7147% | 3,729 |
| Noninterest income to average assets | 0.2301% | 5,900 |
| Noninterest expense to average assets | 2.9549% | 3,390 |
| Loan and lease loss provision to assets | 0.5857% | 961 |
| Net operating income to assets | 0.1182% | 6,094 |
| Return on assets (ROA) | 0.0286% | 6,376 |
| Pretax return on assets | 0.0396% | 6,353 |
| Return on Equity (ROE) | 0.3537% | 6,362 |
| Retained earnings to average equity (ytd only) | 0.3537% | 5,982 |
| Net charge-offs to loans | 0.4841% | 2,162 |
| Credit loss provision to net charge-offs | 160.7251% | 1,731 |
| Earnings coverage of net charge-offs (x) | 2.0574% | 4,238 |
| Efficiency ratio | 79.7623% | 2,131 |
| Assets per employee ($millions) | 3.6939% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7953% | 6,615 |
| Loan loss allowance to noncurrent loans | 43.3519% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 1.6277% | 3,146 |
| Noncurrent loans to loans | 1.8345% | 3,027 |
| Net loans and leases to total assets | 73.9740% | 1,251 |
| Net loans and leases to deposits | 87.4445% | 1,423 |
| Net loans and leases to core deposits | 90.1221% | 1,967 |
| Total domestic deposits to total assets | 84.5954% | 3,934 |
| Equity capital to assets | 8.2695% | 6,445 |
| Core capital (leverage) ratio | 8.8080% | 5,337 |
| Tier 1 risk-based capital ratio | 15.8253% | 3,361 |
| Total risk-based capital ratio | 16.8857% | 3,420 |
| Memoranda: | ||
| Average total assets | $121,108,500 | 4,373 |
| Average earning assets | $113,275,250 | 4,307 |
| Average equity | $9,800,750 | 5,074 |
| Average total loans | $91,170,000 | 3,755 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8836% | 2,179 |
| Cost of funding earning assets | 1.1727% | 927 |
| Net interest margin | 3.7109% | 3,764 |
| Noninterest income to average assets | 0.2015% | 6,114 |
| Noninterest expense to average assets | 3.0981% | 2,933 |
| Loan and lease loss provision to assets | 0.8224% | 598 |
| Net operating income to assets | -0.1453% | 6,482 |
| Return on assets (ROA) | -0.2638% | 6,654 |
| Pretax return on assets | -0.4358% | 6,722 |
| Return on Equity (ROE) | -3.2826% | 6,693 |
| Retained earnings to average equity (ytd only) | -3.2826% | 6,498 |
| Net charge-offs to loans | 0.7182% | 1,541 |
| Credit loss provision to net charge-offs | 151.6616% | 1,825 |
| Earnings coverage of net charge-offs (x) | 1.0544% | 4,494 |
| Efficiency ratio | 84.4196% | 1,590 |
| Assets per employee ($millions) | 3.5691% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7428% | 6,775 |
| Loan loss allowance to noncurrent loans | 52.7887% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 1.3614% | 3,713 |
| Noncurrent loans to loans | 1.4072% | 3,806 |
| Net loans and leases to total assets | 73.9951% | 1,243 |
| Net loans and leases to deposits | 87.3218% | 1,440 |
| Net loans and leases to core deposits | 89.9135% | 1,996 |
| Total domestic deposits to total assets | 84.7384% | 3,982 |
| Equity capital to assets | 8.0396% | 6,543 |
| Core capital (leverage) ratio | 8.4489% | 5,714 |
| Tier 1 risk-based capital ratio | 15.1926% | 3,636 |
| Total risk-based capital ratio | 16.1850% | 3,758 |
| Memoranda: | ||
| Average total assets | $122,076,330 | 4,370 |
| Average earning assets | $114,095,670 | 4,306 |
| Average equity | $9,809,330 | 5,072 |
| Average total loans | $92,179,330 | 3,750 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 2,293 |
| Cost of funding earning assets | 1.2219% | 885 |
| Net interest margin | 3.6657% | 3,980 |
| Noninterest income to average assets | 0.2483% | 5,868 |
| Noninterest expense to average assets | 2.8292% | 3,904 |
| Loan and lease loss provision to assets | 1.4930% | 232 |
| Net operating income to assets | -0.3801% | 6,757 |
| Return on assets (ROA) | -0.5390% | 6,876 |
| Pretax return on assets | -0.9017% | 6,953 |
| Return on Equity (ROE) | -6.7100% | 6,912 |
| Retained earnings to average equity (ytd only) | -6.7100% | 6,703 |
| Net charge-offs to loans | 1.3457% | 755 |
| Credit loss provision to net charge-offs | 146.0064% | 1,701 |
| Earnings coverage of net charge-offs (x) | 0.8211% | 3,918 |
| Efficiency ratio | 77.1149% | 2,628 |
| Assets per employee ($millions) | 3.6120% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6976% | 6,877 |
| Loan loss allowance to noncurrent loans | 32.1215% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 2.4298% | 2,432 |
| Noncurrent loans to loans | 2.1719% | 2,943 |
| Net loans and leases to total assets | 74.7590% | 953 |
| Net loans and leases to deposits | 87.9726% | 1,170 |
| Net loans and leases to core deposits | 90.3615% | 1,815 |
| Total domestic deposits to total assets | 84.9798% | 4,051 |
| Equity capital to assets | 7.9409% | 6,558 |
| Core capital (leverage) ratio | 8.3416% | 5,819 |
| Tier 1 risk-based capital ratio | 14.7320% | 3,938 |
| Total risk-based capital ratio | 15.6560% | 4,143 |
| Memoranda: | ||
| Average total assets | $122,439,500 | 4,395 |
| Average earning assets | $114,247,000 | 4,331 |
| Average equity | $9,836,000 | 5,081 |
| Average total loans | $93,036,500 | 3,754 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1575% | 2,227 |
| Cost of funding earning assets | 1.5227% | 657 |
| Net interest margin | 3.6349% | 4,593 |
| Noninterest income to average assets | 0.1705% | 6,266 |
| Noninterest expense to average assets | 2.7020% | 4,738 |
| Loan and lease loss provision to assets | 0.1369% | 4,909 |
| Net operating income to assets | 0.4427% | 4,680 |
| Return on assets (ROA) | 0.4427% | 4,888 |
| Pretax return on assets | 0.7029% | 4,318 |
| Return on Equity (ROE) | 5.7821% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.7821% | 2,135 |
| Net charge-offs to loans | 0.0041% | 6,386 |
| Credit loss provision to net charge-offs | 4,275.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 262.2500% | 134 |
| Efficiency ratio | 76.2884% | 2,841 |
| Assets per employee ($millions) | 3.2992% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5352% | 7,075 |
| Loan loss allowance to noncurrent loans | 14.6022% | 6,754 |
| Noncurrent assets plus other real estate owned to assets | 3.4767% | 1,706 |
| Noncurrent loans to loans | 3.6649% | 1,725 |
| Net loans and leases to total assets | 76.2810% | 914 |
| Net loans and leases to deposits | 91.1321% | 1,037 |
| Net loans and leases to core deposits | 93.6574% | 1,734 |
| Total domestic deposits to total assets | 83.7037% | 4,444 |
| Equity capital to assets | 8.1264% | 6,494 |
| Core capital (leverage) ratio | 8.5231% | 5,522 |
| Tier 1 risk-based capital ratio | 16.7796% | 2,699 |
| Total risk-based capital ratio | 17.5841% | 2,861 |
| Memoranda: | ||
| Average total assets | $124,906,000 | 4,277 |
| Average earning assets | $115,849,600 | 4,243 |
| Average equity | $9,564,000 | 5,132 |
| Average total loans | $97,786,600 | 3,676 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2221% | 2,122 |
| Cost of funding earning assets | 1.5815% | 633 |
| Net interest margin | 3.6406% | 4,614 |
| Noninterest income to average assets | 0.1783% | 6,313 |
| Noninterest expense to average assets | 2.6727% | 4,831 |
| Loan and lease loss provision to assets | 0.1337% | 4,760 |
| Net operating income to assets | 0.4851% | 4,604 |
| Return on assets (ROA) | 0.4851% | 4,799 |
| Pretax return on assets | 0.7462% | 4,325 |
| Return on Equity (ROE) | 6.4308% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.4308% | 2,270 |
| Net charge-offs to loans | 0.0054% | 6,105 |
| Credit loss provision to net charge-offs | 3,150.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 207.3752% | 190 |
| Efficiency ratio | 75.2316% | 2,971 |
| Assets per employee ($millions) | 3.3767% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4784% | 7,176 |
| Loan loss allowance to noncurrent loans | 18.7886% | 6,717 |
| Noncurrent assets plus other real estate owned to assets | 2.7246% | 2,383 |
| Noncurrent loans to loans | 2.5461% | 2,722 |
| Net loans and leases to total assets | 75.9327% | 988 |
| Net loans and leases to deposits | 90.4910% | 1,155 |
| Net loans and leases to core deposits | 93.5434% | 1,831 |
| Total domestic deposits to total assets | 83.9119% | 4,274 |
| Equity capital to assets | 7.8600% | 6,775 |
| Core capital (leverage) ratio | 8.2634% | 6,030 |
| Tier 1 risk-based capital ratio | 16.5004% | 2,867 |
| Total risk-based capital ratio | 17.2271% | 3,088 |
| Memoranda: | ||
| Average total assets | $125,614,750 | 4,285 |
| Average earning assets | $116,425,500 | 4,239 |
| Average equity | $9,475,000 | 5,185 |
| Average total loans | $98,828,750 | 3,674 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3252% | 1,801 |
| Cost of funding earning assets | 1.6303% | 621 |
| Net interest margin | 3.6949% | 4,288 |
| Noninterest income to average assets | 0.1621% | 6,501 |
| Noninterest expense to average assets | 2.6462% | 5,017 |
| Loan and lease loss provision to assets | 0.1240% | 4,737 |
| Net operating income to assets | 0.5340% | 4,358 |
| Return on assets (ROA) | 0.5340% | 4,502 |
| Pretax return on assets | 0.8137% | 3,974 |
| Return on Equity (ROE) | 7.1795% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.1795% | 1,796 |
| Net charge-offs to loans | 0.0080% | 5,744 |
| Credit loss provision to net charge-offs | 1,950.0000% | 171 |
| Earnings coverage of net charge-offs (x) | 147.5000% | 243 |
| Efficiency ratio | 73.8359% | 3,387 |
| Assets per employee ($millions) | 3.4425% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4148% | 7,287 |
| Loan loss allowance to noncurrent loans | 63.9498% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.3048% | 4,292 |
| Noncurrent loans to loans | 0.6486% | 5,625 |
| Net loans and leases to total assets | 76.9025% | 931 |
| Net loans and leases to deposits | 92.5158% | 999 |
| Net loans and leases to core deposits | 95.3676% | 1,744 |
| Total domestic deposits to total assets | 83.1236% | 4,707 |
| Equity capital to assets | 7.4812% | 6,956 |
| Core capital (leverage) ratio | 8.0074% | 6,290 |
| Tier 1 risk-based capital ratio | 16.0542% | 2,954 |
| Total risk-based capital ratio | 16.6944% | 3,217 |
| Memoranda: | ||
| Average total assets | $125,840,670 | 4,305 |
| Average earning assets | $116,539,670 | 4,265 |
| Average equity | $9,360,000 | 5,220 |
| Average total loans | $99,997,000 | 3,686 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4035% | 1,545 |
| Cost of funding earning assets | 1.6951% | 560 |
| Net interest margin | 3.7084% | 4,056 |
| Noninterest income to average assets | 0.1663% | 6,538 |
| Noninterest expense to average assets | 2.6448% | 5,058 |
| Loan and lease loss provision to assets | 0.1247% | 4,440 |
| Net operating income to assets | 0.5245% | 4,385 |
| Return on assets (ROA) | 0.5245% | 4,468 |
| Pretax return on assets | 0.8251% | 3,808 |
| Return on Equity (ROE) | 7.0724% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.0724% | 2,114 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5765% | 3,598 |
| Assets per employee ($millions) | 3.3957% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3702% | 7,359 |
| Loan loss allowance to noncurrent loans | 59.8716% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.5282% | 3,951 |
| Noncurrent loans to loans | 0.6184% | 5,794 |
| Net loans and leases to total assets | 79.8889% | 519 |
| Net loans and leases to deposits | 96.8926% | 628 |
| Net loans and leases to core deposits | 99.9482% | 1,344 |
| Total domestic deposits to total assets | 82.4509% | 5,126 |
| Equity capital to assets | 7.4481% | 6,895 |
| Core capital (leverage) ratio | 7.9900% | 6,270 |
| Tier 1 risk-based capital ratio | 15.6946% | 3,059 |
| Total risk-based capital ratio | 16.2764% | 3,370 |
| Memoranda: | ||
| Average total assets | $125,074,500 | 4,358 |
| Average earning assets | $115,629,000 | 4,308 |
| Average equity | $9,275,500 | 5,239 |
| Average total loans | $100,815,000 | 3,698 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5491% | 2,085 |
| Cost of funding earning assets | 2.0169% | 574 |
| Net interest margin | 3.5322% | 5,105 |
| Noninterest income to average assets | 0.1670% | 6,535 |
| Noninterest expense to average assets | 3.0591% | 3,633 |
| Loan and lease loss provision to assets | 0.2333% | 4,947 |
| Net operating income to assets | 0.0967% | 5,597 |
| Return on assets (ROA) | 0.0967% | 5,737 |
| Pretax return on assets | 0.1438% | 5,613 |
| Return on Equity (ROE) | 1.3437% | 5,605 |
| Retained earnings to average equity (ytd only) | 1.3437% | 4,870 |
| Net charge-offs to loans | 0.1811% | 5,230 |
| Credit loss provision to net charge-offs | 159.5628% | 2,193 |
| Earnings coverage of net charge-offs (x) | 2.5792% | 3,816 |
| Efficiency ratio | 89.0233% | 1,396 |
| Assets per employee ($millions) | 3.3651% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3311% | 7,470 |
| Loan loss allowance to noncurrent loans | 93.2961% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 1.3068% | 4,415 |
| Noncurrent loans to loans | 0.3549% | 6,349 |
| Net loans and leases to total assets | 80.7577% | 569 |
| Net loans and leases to deposits | 98.0373% | 712 |
| Net loans and leases to core deposits | 100.8951% | 1,543 |
| Total domestic deposits to total assets | 82.3745% | 5,071 |
| Equity capital to assets | 7.3835% | 6,950 |
| Core capital (leverage) ratio | 7.9285% | 6,292 |
| Tier 1 risk-based capital ratio | 15.6967% | 2,895 |
| Total risk-based capital ratio | 16.2265% | 3,215 |
| Memoranda: | ||
| Average total assets | $125,136,800 | 4,374 |
| Average earning assets | $115,820,800 | 4,323 |
| Average equity | $9,005,000 | 5,426 |
| Average total loans | $101,021,400 | 3,765 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5512% | 2,250 |
| Cost of funding earning assets | 2.0699% | 594 |
| Net interest margin | 3.4813% | 5,371 |
| Noninterest income to average assets | 0.1511% | 6,782 |
| Noninterest expense to average assets | 3.2041% | 2,914 |
| Loan and lease loss provision to assets | 0.2150% | 4,916 |
| Net operating income to assets | -0.0234% | 6,045 |
| Return on assets (ROA) | -0.0234% | 6,167 |
| Pretax return on assets | -0.0447% | 6,159 |
| Return on Equity (ROE) | -0.3274% | 6,188 |
| Retained earnings to average equity (ytd only) | -0.3274% | 5,866 |
| Net charge-offs to loans | 0.2177% | 4,637 |
| Credit loss provision to net charge-offs | 122.4242% | 3,358 |
| Earnings coverage of net charge-offs (x) | 0.9697% | 5,093 |
| Efficiency ratio | 94.9543% | 945 |
| Assets per employee ($millions) | 3.3754% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2569% | 7,616 |
| Loan loss allowance to noncurrent loans | 43.4494% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 1.4149% | 4,332 |
| Noncurrent loans to loans | 0.5914% | 6,033 |
| Net loans and leases to total assets | 81.4394% | 565 |
| Net loans and leases to deposits | 98.6479% | 749 |
| Net loans and leases to core deposits | 100.8668% | 1,760 |
| Total domestic deposits to total assets | 82.5556% | 4,772 |
| Equity capital to assets | 7.2473% | 7,247 |
| Core capital (leverage) ratio | 7.7865% | 6,579 |
| Tier 1 risk-based capital ratio | 15.3696% | 3,065 |
| Total risk-based capital ratio | 15.7824% | 3,460 |
| Memoranda: | ||
| Average total assets | $125,294,250 | 4,434 |
| Average earning assets | $116,008,250 | 4,387 |
| Average equity | $8,958,000 | 5,506 |
| Average total loans | $101,056,000 | 3,834 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5484% | 2,334 |
| Cost of funding earning assets | 2.1041% | 647 |
| Net interest margin | 3.4443% | 5,466 |
| Noninterest income to average assets | 0.1515% | 6,805 |
| Noninterest expense to average assets | 3.5032% | 2,024 |
| Loan and lease loss provision to assets | 0.2472% | 4,455 |
| Net operating income to assets | -0.2551% | 6,419 |
| Return on assets (ROA) | -0.2551% | 6,461 |
| Pretax return on assets | -0.4066% | 6,516 |
| Return on Equity (ROE) | -3.5846% | 6,577 |
| Retained earnings to average equity (ytd only) | -3.5846% | 6,382 |
| Net charge-offs to loans | 0.3275% | 3,686 |
| Credit loss provision to net charge-offs | 93.9394% | 4,297 |
| Earnings coverage of net charge-offs (x) | -0.6061% | 6,048 |
| Efficiency ratio | 104.7687% | 660 |
| Assets per employee ($millions) | 3.4049% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2094% | 7,705 |
| Loan loss allowance to noncurrent loans | 35.2459% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 1.4089% | 4,362 |
| Noncurrent loans to loans | 0.5941% | 6,059 |
| Net loans and leases to total assets | 81.3251% | 626 |
| Net loans and leases to deposits | 99.6799% | 751 |
| Net loans and leases to core deposits | 101.8834% | 1,837 |
| Total domestic deposits to total assets | 81.5863% | 5,157 |
| Equity capital to assets | 6.9740% | 7,360 |
| Core capital (leverage) ratio | 7.6056% | 6,724 |
| Tier 1 risk-based capital ratio | 14.9628% | 3,167 |
| Total risk-based capital ratio | 15.2974% | 3,662 |
| Memoranda: | ||
| Average total assets | $125,429,670 | 4,462 |
| Average earning assets | $116,249,670 | 4,412 |
| Average equity | $8,927,000 | 5,520 |
| Average total loans | $100,751,330 | 3,871 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5389% | 2,416 |
| Cost of funding earning assets | 2.1364% | 724 |
| Net interest margin | 3.4025% | 5,571 |
| Noninterest income to average assets | 0.1726% | 6,736 |
| Noninterest expense to average assets | 2.8477% | 4,288 |
| Loan and lease loss provision to assets | 0.0128% | 6,487 |
| Net operating income to assets | 0.3292% | 5,171 |
| Return on assets (ROA) | 0.3292% | 5,298 |
| Pretax return on assets | 0.4730% | 5,051 |
| Return on Equity (ROE) | 4.5790% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.5790% | 3,398 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4267% | 1,860 |
| Assets per employee ($millions) | 3.4118% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2268% | 7,800 |
| Loan loss allowance to noncurrent loans | 13.9549% | 7,237 |
| Noncurrent assets plus other real estate owned to assets | 1.4314% | 4,361 |
| Noncurrent loans to loans | 1.6254% | 4,307 |
| Net loans and leases to total assets | 79.7934% | 866 |
| Net loans and leases to deposits | 97.6444% | 943 |
| Net loans and leases to core deposits | 99.7939% | 2,155 |
| Total domestic deposits to total assets | 81.7184% | 5,189 |
| Equity capital to assets | 7.1683% | 7,301 |
| Core capital (leverage) ratio | 7.7809% | 6,528 |
| Tier 1 risk-based capital ratio | 15.2284% | 2,991 |
| Total risk-based capital ratio | 15.5815% | 3,438 |
| Memoranda: | ||
| Average total assets | $125,153,500 | 4,518 |
| Average earning assets | $116,269,000 | 4,464 |
| Average equity | $8,997,500 | 5,548 |
| Average total loans | $99,792,000 | 3,966 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4766% | 4,285 |
| Cost of funding earning assets | 2.5088% | 1,010 |
| Net interest margin | 2.9678% | 6,721 |
| Noninterest income to average assets | 0.0974% | 7,278 |
| Noninterest expense to average assets | 2.8858% | 4,586 |
| Loan and lease loss provision to assets | 0.2268% | 5,554 |
| Net operating income to assets | -0.1351% | 5,732 |
| Return on assets (ROA) | -0.1351% | 5,726 |
| Pretax return on assets | -0.2571% | 5,782 |
| Return on Equity (ROE) | -1.8261% | 5,828 |
| Retained earnings to average equity (ytd only) | -1.8261% | 5,472 |
| Net charge-offs to loans | 0.2450% | 5,087 |
| Credit loss provision to net charge-offs | 113.5246% | 4,830 |
| Earnings coverage of net charge-offs (x) | -0.1516% | 6,391 |
| Efficiency ratio | 101.0608% | 1,052 |
| Assets per employee ($millions) | 3.2650% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2271% | 7,870 |
| Loan loss allowance to noncurrent loans | 10.9056% | 7,353 |
| Noncurrent assets plus other real estate owned to assets | 1.7990% | 3,667 |
| Noncurrent loans to loans | 2.0826% | 3,547 |
| Net loans and leases to total assets | 79.3118% | 1,132 |
| Net loans and leases to deposits | 95.5211% | 1,392 |
| Net loans and leases to core deposits | 111.5491% | 2,744 |
| Total domestic deposits to total assets | 83.0307% | 4,509 |
| Equity capital to assets | 7.2104% | 7,254 |
| Core capital (leverage) ratio | 7.8321% | 6,410 |
| Tier 1 risk-based capital ratio | 15.0964% | 2,887 |
| Total risk-based capital ratio | 15.4423% | 3,343 |
| Memoranda: | ||
| Average total assets | $122,151,600 | 4,512 |
| Average earning assets | $113,518,600 | 4,460 |
| Average equity | $9,035,800 | 5,593 |
| Average total loans | $99,586,000 | 3,965 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4547% | 4,661 |
| Cost of funding earning assets | 2.5523% | 1,149 |
| Net interest margin | 2.9024% | 6,854 |
| Noninterest income to average assets | 0.0975% | 7,416 |
| Noninterest expense to average assets | 2.9094% | 4,419 |
| Loan and lease loss provision to assets | 0.2981% | 4,579 |
| Net operating income to assets | -0.2389% | 6,124 |
| Return on assets (ROA) | -0.2389% | 6,130 |
| Pretax return on assets | -0.4120% | 6,214 |
| Return on Equity (ROE) | -3.2088% | 6,271 |
| Retained earnings to average equity (ytd only) | -3.2088% | 5,979 |
| Net charge-offs to loans | 0.3259% | 4,009 |
| Credit loss provision to net charge-offs | 111.4754% | 4,561 |
| Earnings coverage of net charge-offs (x) | -0.4262% | 6,445 |
| Efficiency ratio | 104.0768% | 919 |
| Assets per employee ($millions) | 3.1202% | 5,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2257% | 7,964 |
| Loan loss allowance to noncurrent loans | 7.5831% | 7,484 |
| Noncurrent assets plus other real estate owned to assets | 2.5229% | 2,745 |
| Noncurrent loans to loans | 2.9759% | 2,540 |
| Net loans and leases to total assets | 79.5704% | 1,268 |
| Net loans and leases to deposits | 94.4902% | 1,789 |
| Net loans and leases to core deposits | 111.1920% | 3,104 |
| Total domestic deposits to total assets | 84.2102% | 3,623 |
| Equity capital to assets | 7.3082% | 7,422 |
| Core capital (leverage) ratio | 7.9366% | 6,461 |
| Tier 1 risk-based capital ratio | 15.2978% | 2,917 |
| Total risk-based capital ratio | 15.6424% | 3,280 |
| Memoranda: | ||
| Average total assets | $121,671,750 | 4,552 |
| Average earning assets | $113,098,500 | 4,512 |
| Average equity | $9,058,250 | 5,645 |
| Average total loans | $99,825,750 | 3,988 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4719% | 4,773 |
| Cost of funding earning assets | 2.5625% | 1,394 |
| Net interest margin | 2.9094% | 6,775 |
| Noninterest income to average assets | 0.1036% | 7,460 |
| Noninterest expense to average assets | 2.9408% | 4,330 |
| Loan and lease loss provision to assets | 0.5392% | 2,876 |
| Net operating income to assets | -0.4126% | 6,459 |
| Return on assets (ROA) | -0.4126% | 6,470 |
| Pretax return on assets | -0.6740% | 6,579 |
| Return on Equity (ROE) | -5.5084% | 6,662 |
| Retained earnings to average equity (ytd only) | -5.5084% | 6,380 |
| Net charge-offs to loans | 0.6054% | 2,529 |
| Credit loss provision to net charge-offs | 107.5410% | 4,292 |
| Earnings coverage of net charge-offs (x) | -0.2689% | 5,930 |
| Efficiency ratio | 104.8037% | 1,004 |
| Assets per employee ($millions) | 3.1373% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2182% | 8,056 |
| Loan loss allowance to noncurrent loans | 13.5476% | 7,411 |
| Noncurrent assets plus other real estate owned to assets | 1.4589% | 4,057 |
| Noncurrent loans to loans | 1.6103% | 4,082 |
| Net loans and leases to total assets | 80.3715% | 1,247 |
| Net loans and leases to deposits | 95.6362% | 1,855 |
| Net loans and leases to core deposits | 111.5729% | 3,195 |
| Total domestic deposits to total assets | 84.0388% | 3,746 |
| Equity capital to assets | 7.2422% | 7,455 |
| Core capital (leverage) ratio | 7.8621% | 6,540 |
| Tier 1 risk-based capital ratio | 15.2767% | 2,890 |
| Total risk-based capital ratio | 15.6156% | 3,261 |
| Memoranda: | ||
| Average total assets | $121,667,000 | 4,590 |
| Average earning assets | $113,013,670 | 4,537 |
| Average equity | $9,113,330 | 5,645 |
| Average total loans | $100,752,670 | 3,993 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5628% | 4,563 |
| Cost of funding earning assets | 2.5486% | 1,741 |
| Net interest margin | 3.0142% | 6,443 |
| Noninterest income to average assets | 0.1714% | 7,077 |
| Noninterest expense to average assets | 2.8321% | 4,416 |
| Loan and lease loss provision to assets | 0.0165% | 6,659 |
| Net operating income to assets | 0.1121% | 5,947 |
| Return on assets (ROA) | 0.1121% | 6,108 |
| Pretax return on assets | 0.1187% | 6,123 |
| Return on Equity (ROE) | 1.4719% | 5,977 |
| Retained earnings to average equity (ytd only) | 1.4719% | 5,028 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4444% | 1,346 |
| Assets per employee ($millions) | 3.1488% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1956% | 8,108 |
| Loan loss allowance to noncurrent loans | 11.3807% | 7,491 |
| Noncurrent assets plus other real estate owned to assets | 1.9242% | 3,019 |
| Noncurrent loans to loans | 1.7190% | 3,685 |
| Net loans and leases to total assets | 81.8408% | 1,039 |
| Net loans and leases to deposits | 98.0890% | 1,648 |
| Net loans and leases to core deposits | 114.2482% | 2,987 |
| Total domestic deposits to total assets | 83.4353% | 3,942 |
| Equity capital to assets | 7.5381% | 7,320 |
| Core capital (leverage) ratio | 8.0737% | 6,339 |
| Tier 1 risk-based capital ratio | 15.4493% | 2,875 |
| Total risk-based capital ratio | 15.7544% | 3,232 |
| Memoranda: | ||
| Average total assets | $121,324,000 | 4,608 |
| Average earning assets | $112,532,500 | 4,572 |
| Average equity | $9,239,500 | 5,620 |
| Average total loans | $101,853,000 | 3,985 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9038% | 6,017 |
| Cost of funding earning assets | 2.9552% | 2,041 |
| Net interest margin | 2.9486% | 7,036 |
| Noninterest income to average assets | 0.0807% | 7,738 |
| Noninterest expense to average assets | 2.7998% | 4,816 |
| Loan and lease loss provision to assets | 0.0686% | 6,533 |
| Net operating income to assets | -0.1458% | 6,552 |
| Return on assets (ROA) | -0.1684% | 6,428 |
| Pretax return on assets | -0.0929% | 6,262 |
| Return on Equity (ROE) | -2.0926% | 6,518 |
| Retained earnings to average equity (ytd only) | -2.0926% | 5,902 |
| Net charge-offs to loans | 0.0423% | 6,187 |
| Credit loss provision to net charge-offs | 192.6829% | 2,546 |
| Earnings coverage of net charge-offs (x) | -0.0488% | 6,279 |
| Efficiency ratio | 100.0620% | 980 |
| Assets per employee ($millions) | 3.0729% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1864% | 8,171 |
| Loan loss allowance to noncurrent loans | 21.3333% | 7,173 |
| Noncurrent assets plus other real estate owned to assets | 1.2625% | 3,700 |
| Noncurrent loans to loans | 0.8737% | 4,870 |
| Net loans and leases to total assets | 85.7891% | 624 |
| Net loans and leases to deposits | 106.2919% | 1,099 |
| Net loans and leases to core deposits | 122.6766% | 2,431 |
| Total domestic deposits to total assets | 80.7109% | 4,770 |
| Equity capital to assets | 7.6949% | 7,207 |
| Core capital (leverage) ratio | 8.2426% | 6,069 |
| Tier 1 risk-based capital ratio | 15.2213% | 2,948 |
| Total risk-based capital ratio | 15.5152% | 3,336 |
| Memoranda: | ||
| Average total assets | $115,221,000 | 4,631 |
| Average earning assets | $106,186,600 | 4,612 |
| Average equity | $9,270,800 | 5,646 |
| Average total loans | $97,020,200 | 4,034 |