Home > West Plains Savings and Loan Association > Performance and Condition Ratios
West Plains 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 | 4.6029% | 2,885 |
| Cost of funding earning assets | 1.7673% | 1,306 |
| Net interest margin | 2.8356% | 3,596 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 2.1092% | 3,386 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | 0.1755% | 4,191 |
| Return on assets (ROA) | 0.1755% | 4,208 |
| Pretax return on assets | 0.2123% | 4,187 |
| Return on Equity (ROE) | 0.8100% | 4,277 |
| Retained earnings to average equity (ytd only) | 0.8050% | 3,876 |
| Net charge-offs to loans | 0.3362% | 324 |
| Credit loss provision to net charge-offs | 132.6271% | 1,572 |
| Earnings coverage of net charge-offs (x) | 2.2542% | 2,705 |
| Efficiency ratio | 78.5397% | 1,025 |
| Assets per employee ($millions) | 5.8178% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,147 |
| Loan loss allowance to noncurrent loans | 39.2825% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 2.3957% | 99 |
| Noncurrent loans to loans | 3.1171% | 136 |
| Net loans and leases to total assets | 75.9100% | 1,129 |
| Net loans and leases to deposits | 103.9574% | 362 |
| Net loans and leases to core deposits | 119.7025% | 632 |
| Total domestic deposits to total assets | 73.0200% | 4,165 |
| Equity capital to assets | 21.7253% | 247 |
| Core capital (leverage) ratio | 21.9885% | 205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $92,309,400 | 3,893 |
| Average earning assets | $86,120,400 | 3,868 |
| Average equity | $20,123,200 | 2,842 |
| Average total loans | $70,192,000 | 3,543 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 2,769 |
| Cost of funding earning assets | 1.5887% | 1,391 |
| Net interest margin | 2.9753% | 3,389 |
| Noninterest income to average assets | 0.0400% | 4,484 |
| Noninterest expense to average assets | 2.0684% | 3,427 |
| Loan and lease loss provision to assets | 0.5300% | 149 |
| Net operating income to assets | 0.0579% | 4,345 |
| Return on assets (ROA) | 0.0579% | 4,367 |
| Pretax return on assets | 0.2200% | 4,235 |
| Return on Equity (ROE) | 0.2700% | 4,367 |
| Retained earnings to average equity (ytd only) | 0.2654% | 4,072 |
| Net charge-offs to loans | 0.3836% | 224 |
| Credit loss provision to net charge-offs | 169.1542% | 1,233 |
| Earnings coverage of net charge-offs (x) | 2.5672% | 2,475 |
| Efficiency ratio | 73.4704% | 1,405 |
| Assets per employee ($millions) | 5.7673% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 1,767 |
| Loan loss allowance to noncurrent loans | 47.7088% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 2.1284% | 120 |
| Noncurrent loans to loans | 2.7708% | 165 |
| Net loans and leases to total assets | 75.8000% | 1,147 |
| Net loans and leases to deposits | 103.8453% | 357 |
| Net loans and leases to core deposits | 119.0371% | 576 |
| Total domestic deposits to total assets | 72.9900% | 4,216 |
| Equity capital to assets | 21.7313% | 247 |
| Core capital (leverage) ratio | 21.9099% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $92,115,500 | 3,907 |
| Average earning assets | $85,771,250 | 3,887 |
| Average equity | $20,098,250 | 2,842 |
| Average total loans | $69,855,000 | 3,558 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 2,642 |
| Cost of funding earning assets | 1.3559% | 1,567 |
| Net interest margin | 3.1442% | 3,123 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 2.0826% | 3,395 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.6211% | 3,528 |
| Return on assets (ROA) | 0.6211% | 3,531 |
| Pretax return on assets | 0.8339% | 3,318 |
| Return on Equity (ROE) | 2.8400% | 4,183 |
| Retained earnings to average equity (ytd only) | 2.8366% | 3,526 |
| Net charge-offs to loans | 0.0547% | 978 |
| Credit loss provision to net charge-offs | 131.5789% | 1,277 |
| Earnings coverage of net charge-offs (x) | 21.5263% | 1,718 |
| Efficiency ratio | 70.1023% | 1,754 |
| Assets per employee ($millions) | 5.7842% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 2,743 |
| Loan loss allowance to noncurrent loans | 80.0000% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.0859% | 406 |
| Noncurrent loans to loans | 1.4281% | 484 |
| Net loans and leases to total assets | 75.1700% | 1,143 |
| Net loans and leases to deposits | 103.2610% | 391 |
| Net loans and leases to core deposits | 117.7419% | 580 |
| Total domestic deposits to total assets | 72.8000% | 4,260 |
| Equity capital to assets | 21.9434% | 229 |
| Core capital (leverage) ratio | 22.5203% | 194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $92,097,333 | 3,921 |
| Average earning assets | $85,553,667 | 3,906 |
| Average equity | $20,165,333 | 2,852 |
| Average total loans | $69,512,667 | 3,574 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 2,539 |
| Cost of funding earning assets | 1.2012% | 1,446 |
| Net interest margin | 3.2031% | 3,112 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 2.1421% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6923% | 3,492 |
| Return on assets (ROA) | 0.6923% | 3,444 |
| Pretax return on assets | 0.9143% | 3,194 |
| Return on Equity (ROE) | 3.1700% | 4,165 |
| Retained earnings to average equity (ytd only) | 3.1651% | 3,469 |
| Net charge-offs to loans | 0.1100% | 561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 11.0526% | 1,643 |
| Efficiency ratio | 70.0855% | 1,740 |
| Assets per employee ($millions) | 5.3862% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 2,936 |
| Loan loss allowance to noncurrent loans | 79.9180% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.0659% | 372 |
| Noncurrent loans to loans | 1.4076% | 471 |
| Net loans and leases to total assets | 74.8700% | 1,092 |
| Net loans and leases to deposits | 103.1910% | 325 |
| Net loans and leases to core deposits | 112.8735% | 620 |
| Total domestic deposits to total assets | 72.5600% | 4,341 |
| Equity capital to assets | 22.0475% | 191 |
| Core capital (leverage) ratio | 22.3026% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $91,872,500 | 3,978 |
| Average earning assets | $85,915,500 | 3,952 |
| Average equity | $20,094,000 | 2,883 |
| Average total loans | $69,082,500 | 3,622 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 1,449 |
| Cost of funding earning assets | 0.6329% | 779 |
| Net interest margin | 3.4794% | 1,993 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 2.0708% | 3,384 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8822% | 3,036 |
| Return on assets (ROA) | 0.8822% | 2,975 |
| Pretax return on assets | 1.1397% | 2,642 |
| Return on Equity (ROE) | 4.1400% | 4,139 |
| Retained earnings to average equity (ytd only) | 4.1355% | 3,353 |
| Net charge-offs to loans | 0.0075% | 2,121 |
| Credit loss provision to net charge-offs | 800.0000% | 493 |
| Earnings coverage of net charge-offs (x) | 217.8000% | 614 |
| Efficiency ratio | 63.6394% | 2,549 |
| Assets per employee ($millions) | 5.4223% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 2,587 |
| Loan loss allowance to noncurrent loans | 84.2661% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.0273% | 418 |
| Noncurrent loans to loans | 1.3759% | 492 |
| Net loans and leases to total assets | 73.8000% | 1,233 |
| Net loans and leases to deposits | 101.2291% | 395 |
| Net loans and leases to core deposits | 111.8821% | 548 |
| Total domestic deposits to total assets | 72.9100% | 4,397 |
| Equity capital to assets | 21.6969% | 194 |
| Core capital (leverage) ratio | 22.2210% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $92,043,800 | 3,992 |
| Average earning assets | $84,842,400 | 3,982 |
| Average equity | $19,635,000 | 2,984 |
| Average total loans | $66,801,600 | 3,632 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 1,189 |
| Cost of funding earning assets | 0.5602% | 546 |
| Net interest margin | 3.4779% | 1,728 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 2.0287% | 3,407 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.8666% | 3,014 |
| Return on assets (ROA) | 0.8666% | 2,985 |
| Pretax return on assets | 1.1535% | 2,543 |
| Return on Equity (ROE) | 4.0800% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.0796% | 3,414 |
| Net charge-offs to loans | 0.0101% | 1,746 |
| Credit loss provision to net charge-offs | 800.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 167.2000% | 700 |
| Efficiency ratio | 62.6118% | 2,751 |
| Assets per employee ($millions) | 5.3539% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 2,628 |
| Loan loss allowance to noncurrent loans | 70.4325% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.2448% | 317 |
| Noncurrent loans to loans | 1.6780% | 392 |
| Net loans and leases to total assets | 73.3100% | 1,156 |
| Net loans and leases to deposits | 94.9483% | 597 |
| Net loans and leases to core deposits | 104.4832% | 631 |
| Total domestic deposits to total assets | 77.2100% | 4,310 |
| Equity capital to assets | 21.7223% | 183 |
| Core capital (leverage) ratio | 21.8744% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $92,010,000 | 4,020 |
| Average earning assets | $84,492,250 | 4,015 |
| Average equity | $19,543,750 | 3,035 |
| Average total loans | $66,294,750 | 3,661 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 1,060 |
| Cost of funding earning assets | 0.5519% | 388 |
| Net interest margin | 3.3757% | 1,675 |
| Noninterest income to average assets | 0.0390% | 4,664 |
| Noninterest expense to average assets | 1.9775% | 3,493 |
| Loan and lease loss provision to assets | 0.0866% | 1,146 |
| Net operating income to assets | 0.7927% | 2,986 |
| Return on assets (ROA) | 0.7927% | 2,953 |
| Pretax return on assets | 1.0613% | 2,538 |
| Return on Equity (ROE) | 3.7600% | 4,081 |
| Retained earnings to average equity (ytd only) | 3.7600% | 3,176 |
| Net charge-offs to loans | 0.0212% | 1,304 |
| Credit loss provision to net charge-offs | 571.4286% | 593 |
| Earnings coverage of net charge-offs (x) | 75.7143% | 962 |
| Efficiency ratio | 63.2710% | 2,874 |
| Assets per employee ($millions) | 5.4571% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 2,790 |
| Loan loss allowance to noncurrent loans | 76.3183% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 390 |
| Noncurrent loans to loans | 1.5475% | 479 |
| Net loans and leases to total assets | 71.7948% | 1,126 |
| Net loans and leases to deposits | 92.2161% | 598 |
| Net loans and leases to core deposits | 99.4505% | 692 |
| Total domestic deposits to total assets | 77.8549% | 4,362 |
| Equity capital to assets | 21.1178% | 147 |
| Core capital (leverage) ratio | 21.1911% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,341,000 | 4,061 |
| Average earning assets | $84,428,000 | 4,069 |
| Average equity | $19,468,000 | 3,110 |
| Average total loans | $65,885,667 | 3,695 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 1,001 |
| Cost of funding earning assets | 0.5518% | 368 |
| Net interest margin | 3.2964% | 1,571 |
| Noninterest income to average assets | 0.0478% | 4,660 |
| Noninterest expense to average assets | 2.0016% | 3,424 |
| Loan and lease loss provision to assets | 0.0434% | 1,576 |
| Net operating income to assets | 0.7598% | 2,813 |
| Return on assets (ROA) | 0.7598% | 2,807 |
| Pretax return on assets | 1.0117% | 2,398 |
| Return on Equity (ROE) | 3.6070% | 3,965 |
| Retained earnings to average equity (ytd only) | 3.6070% | 3,067 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4830% | 2,836 |
| Assets per employee ($millions) | 5.4941% | 3,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 2,943 |
| Loan loss allowance to noncurrent loans | 97.9721% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 640 |
| Noncurrent loans to loans | 1.2085% | 733 |
| Net loans and leases to total assets | 69.0757% | 1,109 |
| Net loans and leases to deposits | 88.4823% | 595 |
| Net loans and leases to core deposits | 95.3730% | 682 |
| Total domestic deposits to total assets | 78.0672% | 4,403 |
| Equity capital to assets | 20.8204% | 144 |
| Core capital (leverage) ratio | 21.2846% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,126,500 | 4,079 |
| Average earning assets | $84,092,000 | 4,089 |
| Average equity | $19,406,500 | 3,198 |
| Average total loans | $65,128,500 | 3,716 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0723% | 1,209 |
| Cost of funding earning assets | 0.7221% | 292 |
| Net interest margin | 3.3502% | 2,166 |
| Noninterest income to average assets | 0.0531% | 4,718 |
| Noninterest expense to average assets | 2.0149% | 3,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8510% | 3,184 |
| Return on assets (ROA) | 0.8510% | 3,253 |
| Pretax return on assets | 1.0951% | 2,985 |
| Return on Equity (ROE) | 3.9657% | 4,223 |
| Retained earnings to average equity (ytd only) | 3.9657% | 3,230 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7892% | 2,435 |
| Assets per employee ($millions) | 5.3444% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 3,000 |
| Loan loss allowance to noncurrent loans | 93.2763% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.9003% | 653 |
| Noncurrent loans to loans | 1.2591% | 764 |
| Net loans and leases to total assets | 70.6683% | 965 |
| Net loans and leases to deposits | 91.1097% | 516 |
| Net loans and leases to core deposits | 98.2870% | 598 |
| Total domestic deposits to total assets | 77.5640% | 4,431 |
| Equity capital to assets | 21.3166% | 140 |
| Core capital (leverage) ratio | 21.8000% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,488,800 | 4,110 |
| Average earning assets | $80,741,400 | 4,121 |
| Average equity | $18,987,800 | 3,300 |
| Average total loans | $63,788,600 | 3,764 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 1,311 |
| Cost of funding earning assets | 0.7708% | 278 |
| Net interest margin | 3.3245% | 2,347 |
| Noninterest income to average assets | 0.0561% | 4,791 |
| Noninterest expense to average assets | 2.0008% | 3,672 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8221% | 3,465 |
| Return on assets (ROA) | 0.8221% | 3,538 |
| Pretax return on assets | 1.0846% | 3,232 |
| Return on Equity (ROE) | 3.8250% | 4,330 |
| Retained earnings to average equity (ytd only) | 3.8250% | 3,631 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8476% | 2,267 |
| Assets per employee ($millions) | 5.1962% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 2,993 |
| Loan loss allowance to noncurrent loans | 103.3875% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 836 |
| Noncurrent loans to loans | 1.1593% | 961 |
| Net loans and leases to total assets | 71.2009% | 959 |
| Net loans and leases to deposits | 92.3190% | 479 |
| Net loans and leases to core deposits | 98.8946% | 632 |
| Total domestic deposits to total assets | 77.1248% | 4,486 |
| Equity capital to assets | 21.7126% | 139 |
| Core capital (leverage) ratio | 21.6298% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,897,500 | 4,169 |
| Average earning assets | $80,089,250 | 4,183 |
| Average equity | $18,893,000 | 3,349 |
| Average total loans | $63,493,750 | 3,822 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 1,369 |
| Cost of funding earning assets | 0.8196% | 266 |
| Net interest margin | 3.2685% | 2,555 |
| Noninterest income to average assets | 0.0638% | 4,807 |
| Noninterest expense to average assets | 2.0262% | 3,616 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7726% | 3,588 |
| Return on assets (ROA) | 0.7726% | 3,648 |
| Pretax return on assets | 1.0188% | 3,398 |
| Return on Equity (ROE) | 3.6069% | 4,394 |
| Retained earnings to average equity (ytd only) | 3.6069% | 3,646 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5419% | 2,077 |
| Assets per employee ($millions) | 5.2688% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,840 |
| Loan loss allowance to noncurrent loans | 99.8691% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8530% | 915 |
| Noncurrent loans to loans | 1.2175% | 990 |
| Net loans and leases to total assets | 69.2073% | 1,297 |
| Net loans and leases to deposits | 89.0864% | 707 |
| Net loans and leases to core deposits | 94.9208% | 862 |
| Total domestic deposits to total assets | 77.6856% | 4,460 |
| Equity capital to assets | 21.1857% | 148 |
| Core capital (leverage) ratio | 21.2740% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,751,333 | 4,200 |
| Average earning assets | $80,037,333 | 4,208 |
| Average equity | $18,797,333 | 3,352 |
| Average total loans | $63,438,667 | 3,841 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0985% | 1,388 |
| Cost of funding earning assets | 0.8581% | 272 |
| Net interest margin | 3.2405% | 2,571 |
| Noninterest income to average assets | 0.0507% | 4,851 |
| Noninterest expense to average assets | 2.2385% | 2,980 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5850% | 3,981 |
| Return on assets (ROA) | 0.5850% | 4,037 |
| Pretax return on assets | 0.7692% | 3,866 |
| Return on Equity (ROE) | 2.7154% | 4,521 |
| Retained earnings to average equity (ytd only) | 2.7154% | 3,865 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4257% | 1,270 |
| Assets per employee ($millions) | 5.4978% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 2,986 |
| Loan loss allowance to noncurrent loans | 110.9012% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.8458% | 1,054 |
| Noncurrent loans to loans | 1.0732% | 1,252 |
| Net loans and leases to total assets | 72.0147% | 1,026 |
| Net loans and leases to deposits | 92.9619% | 546 |
| Net loans and leases to core deposits | 100.2374% | 701 |
| Total domestic deposits to total assets | 77.4669% | 4,486 |
| Equity capital to assets | 21.3315% | 140 |
| Core capital (leverage) ratio | 21.6137% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,842,000 | 4,225 |
| Average earning assets | $79,248,000 | 4,229 |
| Average equity | $18,708,000 | 3,354 |
| Average total loans | $63,782,000 | 3,851 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 1,546 |
| Cost of funding earning assets | 1.1495% | 336 |
| Net interest margin | 3.2642% | 3,173 |
| Noninterest income to average assets | -0.0012% | 4,971 |
| Noninterest expense to average assets | 2.0009% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7900% | 3,131 |
| Return on assets (ROA) | 0.7900% | 3,249 |
| Pretax return on assets | 0.9870% | 3,083 |
| Return on Equity (ROE) | 3.6822% | 4,228 |
| Retained earnings to average equity (ytd only) | 3.6822% | 2,990 |
| Net charge-offs to loans | 0.0048% | 3,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 280.6667% | 363 |
| Efficiency ratio | 66.9674% | 2,370 |
| Assets per employee ($millions) | 5.3575% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,930 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8283% | 1,230 |
| Noncurrent loans to loans | 1.0307% | 1,382 |
| Net loans and leases to total assets | 73.1346% | 1,140 |
| Net loans and leases to deposits | 94.9993% | 600 |
| Net loans and leases to core deposits | 103.1696% | 762 |
| Total domestic deposits to total assets | 76.9844% | 4,414 |
| Equity capital to assets | 21.7592% | 143 |
| Core capital (leverage) ratio | 21.7821% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,312,400 | 4,185 |
| Average earning assets | $78,121,200 | 4,183 |
| Average equity | $18,304,400 | 3,343 |
| Average total loans | $62,595,200 | 3,873 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 1,764 |
| Cost of funding earning assets | 1.2112% | 353 |
| Net interest margin | 3.2190% | 3,432 |
| Noninterest income to average assets | 0.0485% | 4,895 |
| Noninterest expense to average assets | 1.9668% | 4,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7698% | 3,210 |
| Return on assets (ROA) | 0.7698% | 3,326 |
| Pretax return on assets | 1.0343% | 2,952 |
| Return on Equity (ROE) | 3.6008% | 4,269 |
| Retained earnings to average equity (ytd only) | 3.6008% | 3,255 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5370% | 2,522 |
| Assets per employee ($millions) | 5.3548% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 2,521 |
| Loan loss allowance to noncurrent loans | 94.6848% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.3609% | 668 |
| Noncurrent loans to loans | 1.2967% | 1,139 |
| Net loans and leases to total assets | 71.9280% | 1,677 |
| Net loans and leases to deposits | 93.2342% | 988 |
| Net loans and leases to core deposits | 100.6418% | 1,122 |
| Total domestic deposits to total assets | 77.1476% | 4,305 |
| Equity capital to assets | 21.5626% | 157 |
| Core capital (leverage) ratio | 21.3049% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,210,500 | 4,185 |
| Average earning assets | $78,158,250 | 4,198 |
| Average equity | $18,217,500 | 3,348 |
| Average total loans | $62,380,500 | 3,893 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4851% | 1,960 |
| Cost of funding earning assets | 1.2704% | 403 |
| Net interest margin | 3.2147% | 3,626 |
| Noninterest income to average assets | 0.0564% | 4,896 |
| Noninterest expense to average assets | 1.9846% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7548% | 3,205 |
| Return on assets (ROA) | 0.7548% | 3,320 |
| Pretax return on assets | 1.0111% | 2,989 |
| Return on Equity (ROE) | 3.5407% | 4,230 |
| Retained earnings to average equity (ytd only) | 3.5407% | 3,157 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2480% | 2,480 |
| Assets per employee ($millions) | 5.4343% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,399 |
| Loan loss allowance to noncurrent loans | 81.5761% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.4756% | 639 |
| Noncurrent loans to loans | 1.4980% | 1,011 |
| Net loans and leases to total assets | 71.2115% | 1,840 |
| Net loans and leases to deposits | 91.6556% | 1,197 |
| Net loans and leases to core deposits | 100.7714% | 1,201 |
| Total domestic deposits to total assets | 77.6947% | 4,228 |
| Equity capital to assets | 21.0551% | 177 |
| Core capital (leverage) ratio | 21.2070% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,055,333 | 4,195 |
| Average earning assets | $77,768,000 | 4,203 |
| Average equity | $18,132,000 | 3,351 |
| Average total loans | $62,377,000 | 3,902 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 2,054 |
| Cost of funding earning assets | 1.3141% | 547 |
| Net interest margin | 3.2670% | 3,673 |
| Noninterest income to average assets | 0.0666% | 4,931 |
| Noninterest expense to average assets | 2.1448% | 4,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6848% | 3,321 |
| Return on assets (ROA) | 0.6848% | 3,390 |
| Pretax return on assets | 0.9131% | 3,104 |
| Return on Equity (ROE) | 3.1921% | 4,167 |
| Retained earnings to average equity (ytd only) | 3.1921% | 3,003 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1400% | 2,330 |
| Assets per employee ($millions) | 5.3705% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,562 |
| Loan loss allowance to noncurrent loans | 87.4429% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.6235% | 626 |
| Noncurrent loans to loans | 1.3960% | 1,144 |
| Net loans and leases to total assets | 72.1360% | 1,902 |
| Net loans and leases to deposits | 92.9060% | 1,191 |
| Net loans and leases to core deposits | 103.0816% | 1,239 |
| Total domestic deposits to total assets | 77.6441% | 4,271 |
| Equity capital to assets | 21.0909% | 197 |
| Core capital (leverage) ratio | 21.5356% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,109,000 | 4,208 |
| Average earning assets | $77,011,500 | 4,214 |
| Average equity | $18,044,500 | 3,360 |
| Average total loans | $62,224,000 | 3,920 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 3,176 |
| Cost of funding earning assets | 1.2430% | 916 |
| Net interest margin | 3.1816% | 4,231 |
| Noninterest income to average assets | 0.0643% | 5,003 |
| Noninterest expense to average assets | 2.0388% | 4,469 |
| Loan and lease loss provision to assets | 0.2660% | 680 |
| Net operating income to assets | 0.5753% | 4,233 |
| Return on assets (ROA) | 0.5753% | 4,290 |
| Pretax return on assets | 0.7361% | 4,122 |
| Return on Equity (ROE) | 2.6260% | 4,725 |
| Retained earnings to average equity (ytd only) | 2.6260% | 3,722 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0464% | 2,613 |
| Assets per employee ($millions) | 5.1431% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,222 |
| Loan loss allowance to noncurrent loans | 49.0083% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.8994% | 435 |
| Noncurrent loans to loans | 2.5333% | 422 |
| Net loans and leases to total assets | 74.0442% | 1,744 |
| Net loans and leases to deposits | 96.3778% | 908 |
| Net loans and leases to core deposits | 107.5626% | 1,004 |
| Total domestic deposits to total assets | 76.8271% | 4,511 |
| Equity capital to assets | 21.8325% | 186 |
| Core capital (leverage) ratio | 21.7971% | 179 |
| Tier 1 risk-based capital ratio | 42.0018% | 213 |
| Total risk-based capital ratio | 43.2568% | 208 |
| Memoranda: | ||
| Average total assets | $80,830,600 | 4,269 |
| Average earning assets | $75,621,600 | 4,260 |
| Average equity | $17,707,600 | 3,369 |
| Average total loans | $59,771,400 | 3,989 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3933% | 3,376 |
| Cost of funding earning assets | 1.2139% | 998 |
| Net interest margin | 3.1794% | 4,345 |
| Noninterest income to average assets | 0.0663% | 5,078 |
| Noninterest expense to average assets | 1.9834% | 4,587 |
| Loan and lease loss provision to assets | 0.3563% | 372 |
| Net operating income to assets | 0.4606% | 4,607 |
| Return on assets (ROA) | 0.4606% | 4,638 |
| Pretax return on assets | 0.7125% | 4,317 |
| Return on Equity (ROE) | 2.1009% | 4,887 |
| Retained earnings to average equity (ytd only) | 2.1009% | 4,237 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9837% | 2,865 |
| Assets per employee ($millions) | 5.1809% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,177 |
| Loan loss allowance to noncurrent loans | 54.0579% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.7094% | 596 |
| Noncurrent loans to loans | 2.3292% | 525 |
| Net loans and leases to total assets | 72.4652% | 2,091 |
| Net loans and leases to deposits | 93.8564% | 1,230 |
| Net loans and leases to core deposits | 105.6250% | 1,212 |
| Total domestic deposits to total assets | 77.2085% | 4,487 |
| Equity capital to assets | 21.4428% | 202 |
| Core capital (leverage) ratio | 21.6607% | 181 |
| Tier 1 risk-based capital ratio | 42.5065% | 207 |
| Total risk-based capital ratio | 43.7636% | 205 |
| Memoranda: | ||
| Average total assets | $80,465,750 | 4,332 |
| Average earning assets | $75,567,750 | 4,313 |
| Average equity | $17,643,000 | 3,394 |
| Average total loans | $59,290,000 | 4,049 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3734% | 3,409 |
| Cost of funding earning assets | 1.1647% | 1,093 |
| Net interest margin | 3.2088% | 4,347 |
| Noninterest income to average assets | 0.0678% | 5,118 |
| Noninterest expense to average assets | 2.0563% | 4,503 |
| Loan and lease loss provision to assets | 0.0879% | 2,086 |
| Net operating income to assets | 0.6955% | 4,015 |
| Return on assets (ROA) | 0.6955% | 4,078 |
| Pretax return on assets | 0.9466% | 3,719 |
| Return on Equity (ROE) | 3.1479% | 4,763 |
| Retained earnings to average equity (ytd only) | 3.1479% | 3,646 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5313% | 2,747 |
| Assets per employee ($millions) | 5.3929% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 3,726 |
| Loan loss allowance to noncurrent loans | 69.9284% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.0359% | 1,332 |
| Noncurrent loans to loans | 1.4056% | 1,103 |
| Net loans and leases to total assets | 72.9757% | 2,063 |
| Net loans and leases to deposits | 95.1869% | 1,130 |
| Net loans and leases to core deposits | 104.5943% | 1,332 |
| Total domestic deposits to total assets | 76.6658% | 4,600 |
| Equity capital to assets | 21.9596% | 180 |
| Core capital (leverage) ratio | 22.1007% | 170 |
| Tier 1 risk-based capital ratio | 43.0981% | 193 |
| Total risk-based capital ratio | 44.3486% | 189 |
| Memoranda: | ||
| Average total assets | $79,656,000 | 4,377 |
| Average earning assets | $75,044,000 | 4,352 |
| Average equity | $17,599,000 | 3,404 |
| Average total loans | $58,774,670 | 4,076 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 3,400 |
| Cost of funding earning assets | 1.1009% | 1,181 |
| Net interest margin | 3.2494% | 4,280 |
| Noninterest income to average assets | 0.0759% | 5,154 |
| Noninterest expense to average assets | 2.1964% | 4,264 |
| Loan and lease loss provision to assets | 0.1012% | 1,734 |
| Net operating income to assets | 0.6478% | 4,102 |
| Return on assets (ROA) | 0.6478% | 4,135 |
| Pretax return on assets | 0.8553% | 3,906 |
| Return on Equity (ROE) | 2.9230% | 4,802 |
| Retained earnings to average equity (ytd only) | 2.9230% | 3,769 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6629% | 2,396 |
| Assets per employee ($millions) | 5.3345% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 3,888 |
| Loan loss allowance to noncurrent loans | 44.4704% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.6047% | 710 |
| Noncurrent loans to loans | 2.1758% | 655 |
| Net loans and leases to total assets | 73.0382% | 1,968 |
| Net loans and leases to deposits | 95.3113% | 1,032 |
| Net loans and leases to core deposits | 104.2545% | 1,300 |
| Total domestic deposits to total assets | 76.6312% | 4,690 |
| Equity capital to assets | 21.9853% | 174 |
| Core capital (leverage) ratio | 22.2839% | 167 |
| Tier 1 risk-based capital ratio | 42.5155% | 196 |
| Total risk-based capital ratio | 43.7667% | 189 |
| Memoranda: | ||
| Average total assets | $79,037,000 | 4,429 |
| Average earning assets | $74,844,500 | 4,396 |
| Average equity | $17,516,500 | 3,413 |
| Average total loans | $58,352,500 | 4,125 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2855% | 3,164 |
| Cost of funding earning assets | 0.9243% | 1,010 |
| Net interest margin | 3.3612% | 4,103 |
| Noninterest income to average assets | 0.0636% | 5,237 |
| Noninterest expense to average assets | 2.0517% | 4,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9246% | 3,349 |
| Return on assets (ROA) | 0.9246% | 3,336 |
| Pretax return on assets | 1.1947% | 2,902 |
| Return on Equity (ROE) | 4.1686% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.1686% | 3,261 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2000% | 3,304 |
| Assets per employee ($millions) | 4.8786% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 3,935 |
| Loan loss allowance to noncurrent loans | 35.5943% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.9832% | 484 |
| Noncurrent loans to loans | 2.6833% | 428 |
| Net loans and leases to total assets | 73.2029% | 2,060 |
| Net loans and leases to deposits | 94.4572% | 1,230 |
| Net loans and leases to core deposits | 102.9995% | 1,509 |
| Total domestic deposits to total assets | 77.4985% | 4,565 |
| Equity capital to assets | 22.3439% | 164 |
| Core capital (leverage) ratio | 22.6468% | 153 |
| Tier 1 risk-based capital ratio | 43.0521% | 194 |
| Total risk-based capital ratio | 44.3013% | 190 |
| Memoranda: | ||
| Average total assets | $77,009,600 | 4,483 |
| Average earning assets | $72,921,000 | 4,444 |
| Average equity | $17,080,200 | 3,387 |
| Average total loans | $54,998,200 | 4,209 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2599% | 3,117 |
| Cost of funding earning assets | 0.8879% | 967 |
| Net interest margin | 3.3720% | 4,096 |
| Noninterest income to average assets | 0.0591% | 5,322 |
| Noninterest expense to average assets | 2.0152% | 4,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9312% | 3,389 |
| Return on assets (ROA) | 0.9312% | 3,396 |
| Pretax return on assets | 1.2369% | 2,860 |
| Return on Equity (ROE) | 4.2063% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.2063% | 3,669 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9658% | 3,512 |
| Assets per employee ($millions) | 5.1532% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,788 |
| Loan loss allowance to noncurrent loans | 42.9462% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 1.6598% | 747 |
| Noncurrent loans to loans | 2.3211% | 585 |
| Net loans and leases to total assets | 70.7974% | 2,530 |
| Net loans and leases to deposits | 91.3499% | 1,713 |
| Net loans and leases to core deposits | 99.7248% | 1,815 |
| Total domestic deposits to total assets | 77.5014% | 4,565 |
| Equity capital to assets | 22.3123% | 154 |
| Core capital (leverage) ratio | 22.5160% | 153 |
| Tier 1 risk-based capital ratio | 46.9713% | 160 |
| Total risk-based capital ratio | 48.2234% | 159 |
| Memoranda: | ||
| Average total assets | $76,747,750 | 4,534 |
| Average earning assets | $72,676,250 | 4,490 |
| Average equity | $16,990,000 | 3,421 |
| Average total loans | $54,325,000 | 4,267 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2170% | 3,064 |
| Cost of funding earning assets | 0.8489% | 925 |
| Net interest margin | 3.3681% | 4,049 |
| Noninterest income to average assets | 0.0575% | 5,382 |
| Noninterest expense to average assets | 1.9957% | 4,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9534% | 3,217 |
| Return on assets (ROA) | 0.9534% | 3,226 |
| Pretax return on assets | 1.2643% | 2,650 |
| Return on Equity (ROE) | 4.3184% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.3184% | 3,440 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2179% | 3,736 |
| Assets per employee ($millions) | 5.1028% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 3,760 |
| Loan loss allowance to noncurrent loans | 52.4762% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.3718% | 1,016 |
| Noncurrent loans to loans | 1.9273% | 795 |
| Net loans and leases to total assets | 70.4580% | 2,513 |
| Net loans and leases to deposits | 90.8769% | 1,726 |
| Net loans and leases to core deposits | 99.2528% | 1,792 |
| Total domestic deposits to total assets | 77.5313% | 4,658 |
| Equity capital to assets | 22.3159% | 156 |
| Core capital (leverage) ratio | 22.4715% | 147 |
| Tier 1 risk-based capital ratio | 47.9693% | 149 |
| Total risk-based capital ratio | 49.2215% | 149 |
| Memoranda: | ||
| Average total assets | $76,564,330 | 4,583 |
| Average earning assets | $72,801,000 | 4,530 |
| Average equity | $16,904,330 | 3,450 |
| Average total loans | $54,008,000 | 4,303 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1622% | 3,020 |
| Cost of funding earning assets | 0.8291% | 837 |
| Net interest margin | 3.3330% | 4,096 |
| Noninterest income to average assets | 0.0731% | 5,420 |
| Noninterest expense to average assets | 2.1051% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8619% | 3,447 |
| Return on assets (ROA) | 0.8619% | 3,462 |
| Pretax return on assets | 1.1387% | 3,009 |
| Return on Equity (ROE) | 3.9248% | 4,780 |
| Retained earnings to average equity (ytd only) | 3.9248% | 3,623 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8953% | 3,334 |
| Assets per employee ($millions) | 5.1167% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,789 |
| Loan loss allowance to noncurrent loans | 51.9321% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.3824% | 1,055 |
| Noncurrent loans to loans | 1.9821% | 810 |
| Net loans and leases to total assets | 69.0258% | 2,623 |
| Net loans and leases to deposits | 88.7329% | 1,837 |
| Net loans and leases to core deposits | 95.7388% | 1,996 |
| Total domestic deposits to total assets | 77.7905% | 4,755 |
| Equity capital to assets | 22.0023% | 156 |
| Core capital (leverage) ratio | 22.2008% | 148 |
| Tier 1 risk-based capital ratio | 47.6607% | 148 |
| Total risk-based capital ratio | 48.9139% | 148 |
| Memoranda: | ||
| Average total assets | $76,575,500 | 4,629 |
| Average earning assets | $72,846,500 | 4,580 |
| Average equity | $16,816,000 | 3,494 |
| Average total loans | $53,771,500 | 4,356 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1767% | 2,774 |
| Cost of funding earning assets | 0.8964% | 380 |
| Net interest margin | 3.2804% | 4,214 |
| Noninterest income to average assets | 0.0588% | 5,514 |
| Noninterest expense to average assets | 2.0203% | 4,928 |
| Loan and lease loss provision to assets | 0.0217% | 3,867 |
| Net operating income to assets | 0.7467% | 3,404 |
| Return on assets (ROA) | 0.7467% | 3,442 |
| Pretax return on assets | 1.1099% | 3,143 |
| Return on Equity (ROE) | 3.5455% | 4,668 |
| Retained earnings to average equity (ytd only) | 3.5455% | 3,151 |
| Net charge-offs to loans | 0.1920% | 1,326 |
| Credit loss provision to net charge-offs | 16.5049% | 3,631 |
| Earnings coverage of net charge-offs (x) | 8.5922% | 2,890 |
| Efficiency ratio | 64.0974% | 3,586 |
| Assets per employee ($millions) | 5.0933% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,811 |
| Loan loss allowance to noncurrent loans | 76.9553% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 0.9372% | 1,657 |
| Noncurrent loans to loans | 1.3256% | 1,313 |
| Net loans and leases to total assets | 69.9777% | 2,523 |
| Net loans and leases to deposits | 89.8462% | 1,793 |
| Net loans and leases to core deposits | 97.4003% | 1,907 |
| Total domestic deposits to total assets | 77.8861% | 4,733 |
| Equity capital to assets | 21.9175% | 154 |
| Core capital (leverage) ratio | 21.7652% | 152 |
| Tier 1 risk-based capital ratio | 47.1268% | 137 |
| Total risk-based capital ratio | 48.3782% | 133 |
| Memoranda: | ||
| Average total assets | $78,206,200 | 4,625 |
| Average earning assets | $73,741,600 | 4,586 |
| Average equity | $16,471,600 | 3,542 |
| Average total loans | $53,654,600 | 4,373 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 2,711 |
| Cost of funding earning assets | 0.9050% | 334 |
| Net interest margin | 3.2665% | 4,272 |
| Noninterest income to average assets | 0.0576% | 5,588 |
| Noninterest expense to average assets | 1.9409% | 5,063 |
| Loan and lease loss provision to assets | 0.0288% | 3,547 |
| Net operating income to assets | 0.7916% | 3,555 |
| Return on assets (ROA) | 0.7916% | 3,609 |
| Pretax return on assets | 1.1594% | 3,074 |
| Return on Equity (ROE) | 3.7959% | 4,920 |
| Retained earnings to average equity (ytd only) | 3.7959% | 3,662 |
| Net charge-offs to loans | 0.2564% | 843 |
| Credit loss provision to net charge-offs | 16.5049% | 3,180 |
| Earnings coverage of net charge-offs (x) | 6.8058% | 2,939 |
| Efficiency ratio | 62.0260% | 3,878 |
| Assets per employee ($millions) | 5.1933% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 3,920 |
| Loan loss allowance to noncurrent loans | 132.7711% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 2,929 |
| Noncurrent loans to loans | 0.7736% | 2,430 |
| Net loans and leases to total assets | 68.1549% | 2,826 |
| Net loans and leases to deposits | 86.9733% | 2,188 |
| Net loans and leases to core deposits | 94.0564% | 2,272 |
| Total domestic deposits to total assets | 78.3630% | 4,655 |
| Equity capital to assets | 21.3802% | 173 |
| Core capital (leverage) ratio | 21.3475% | 162 |
| Tier 1 risk-based capital ratio | 46.8985% | 149 |
| Total risk-based capital ratio | 48.1498% | 148 |
| Memoranda: | ||
| Average total assets | $78,657,750 | 4,661 |
| Average earning assets | $73,960,750 | 4,629 |
| Average equity | $16,403,250 | 3,579 |
| Average total loans | $53,564,750 | 4,415 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1431% | 2,700 |
| Cost of funding earning assets | 0.9210% | 268 |
| Net interest margin | 3.2221% | 4,346 |
| Noninterest income to average assets | 0.0329% | 5,679 |
| Noninterest expense to average assets | 1.9516% | 5,078 |
| Loan and lease loss provision to assets | 0.0431% | 3,136 |
| Net operating income to assets | 0.7401% | 3,671 |
| Return on assets (ROA) | 0.7401% | 3,735 |
| Pretax return on assets | 1.0620% | 3,332 |
| Return on Equity (ROE) | 3.5786% | 4,955 |
| Retained earnings to average equity (ytd only) | 3.5786% | 3,573 |
| Net charge-offs to loans | 0.3848% | 535 |
| Credit loss provision to net charge-offs | 16.5049% | 2,813 |
| Earnings coverage of net charge-offs (x) | 4.2330% | 2,961 |
| Efficiency ratio | 63.8474% | 3,694 |
| Assets per employee ($millions) | 5.2707% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 4,002 |
| Loan loss allowance to noncurrent loans | 270.0980% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 3,495 |
| Noncurrent loans to loans | 0.3791% | 3,666 |
| Net loans and leases to total assets | 67.3733% | 2,892 |
| Net loans and leases to deposits | 85.8368% | 2,244 |
| Net loans and leases to core deposits | 92.2706% | 2,316 |
| Total domestic deposits to total assets | 78.4900% | 4,736 |
| Equity capital to assets | 20.8459% | 193 |
| Core capital (leverage) ratio | 20.8782% | 176 |
| Tier 1 risk-based capital ratio | 45.7048% | 155 |
| Total risk-based capital ratio | 46.9565% | 156 |
| Memoranda: | ||
| Average total assets | $78,910,670 | 4,686 |
| Average earning assets | $74,050,000 | 4,658 |
| Average equity | $16,319,330 | 3,600 |
| Average total loans | $53,538,670 | 4,436 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 2,644 |
| Cost of funding earning assets | 0.9297% | 241 |
| Net interest margin | 3.1728% | 4,426 |
| Noninterest income to average assets | 0.0609% | 5,703 |
| Noninterest expense to average assets | 2.0194% | 5,006 |
| Loan and lease loss provision to assets | 0.0101% | 3,428 |
| Net operating income to assets | 0.7256% | 3,592 |
| Return on assets (ROA) | 0.7256% | 3,641 |
| Pretax return on assets | 1.0097% | 3,323 |
| Return on Equity (ROE) | 3.5225% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.5225% | 3,681 |
| Net charge-offs to loans | 0.6292% | 284 |
| Credit loss provision to net charge-offs | 2.3810% | 2,269 |
| Earnings coverage of net charge-offs (x) | 2.3929% | 2,598 |
| Efficiency ratio | 66.4441% | 3,420 |
| Assets per employee ($millions) | 5.2474% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 4,089 |
| Loan loss allowance to noncurrent loans | 101.8349% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.9008% | 2,058 |
| Noncurrent loans to loans | 1.0129% | 2,027 |
| Net loans and leases to total assets | 67.6564% | 2,733 |
| Net loans and leases to deposits | 86.0863% | 2,024 |
| Net loans and leases to core deposits | 93.3804% | 2,029 |
| Total domestic deposits to total assets | 78.5913% | 4,895 |
| Equity capital to assets | 20.7315% | 185 |
| Core capital (leverage) ratio | 20.8564% | 170 |
| Tier 1 risk-based capital ratio | 45.0477% | 169 |
| Total risk-based capital ratio | 46.3009% | 167 |
| Memoranda: | ||
| Average total assets | $78,835,500 | 4,739 |
| Average earning assets | $74,004,500 | 4,706 |
| Average equity | $16,238,500 | 3,632 |
| Average total loans | $53,399,500 | 4,473 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1567% | 2,638 |
| Cost of funding earning assets | 1.0123% | 160 |
| Net interest margin | 3.1444% | 4,606 |
| Noninterest income to average assets | 0.0453% | 5,783 |
| Noninterest expense to average assets | 1.8679% | 5,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7886% | 3,357 |
| Return on assets (ROA) | 0.7886% | 3,463 |
| Pretax return on assets | 1.1547% | 2,876 |
| Return on Equity (ROE) | 3.9429% | 4,854 |
| Retained earnings to average equity (ytd only) | 3.9429% | 3,113 |
| Net charge-offs to loans | 0.0713% | 2,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 24.1579% | 1,650 |
| Efficiency ratio | 61.7978% | 4,288 |
| Assets per employee ($millions) | 5.2640% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 3,114 |
| Loan loss allowance to noncurrent loans | 94.9329% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.8498% | 2,220 |
| Noncurrent loans to loans | 1.2663% | 1,617 |
| Net loans and leases to total assets | 66.3045% | 3,029 |
| Net loans and leases to deposits | 84.0974% | 2,401 |
| Net loans and leases to core deposits | 91.1582% | 2,380 |
| Total domestic deposits to total assets | 78.8425% | 4,826 |
| Equity capital to assets | 20.4648% | 195 |
| Core capital (leverage) ratio | 20.5833% | 179 |
| Tier 1 risk-based capital ratio | 45.7682% | 169 |
| Total risk-based capital ratio | 47.0244% | 166 |
| Memoranda: | ||
| Average total assets | $79,503,000 | 4,739 |
| Average earning assets | $75,276,000 | 4,697 |
| Average equity | $15,902,200 | 3,703 |
| Average total loans | $53,268,000 | 4,482 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1696% | 2,614 |
| Cost of funding earning assets | 1.0208% | 154 |
| Net interest margin | 3.1488% | 4,641 |
| Noninterest income to average assets | 0.0352% | 5,869 |
| Noninterest expense to average assets | 1.7847% | 5,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8421% | 3,188 |
| Return on assets (ROA) | 0.8421% | 3,302 |
| Pretax return on assets | 1.2356% | 2,679 |
| Return on Equity (ROE) | 4.2344% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.2344% | 3,313 |
| Net charge-offs to loans | 0.0225% | 3,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 81.9983% | 765 |
| Efficiency ratio | 59.0909% | 4,678 |
| Assets per employee ($millions) | 5.6205% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,976 |
| Loan loss allowance to noncurrent loans | 111.3712% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.7600% | 2,649 |
| Noncurrent loans to loans | 1.1194% | 2,010 |
| Net loans and leases to total assets | 67.0454% | 2,948 |
| Net loans and leases to deposits | 85.1274% | 2,350 |
| Net loans and leases to core deposits | 92.3228% | 2,345 |
| Total domestic deposits to total assets | 78.7589% | 4,777 |
| Equity capital to assets | 20.4443% | 215 |
| Core capital (leverage) ratio | 20.4147% | 188 |
| Tier 1 risk-based capital ratio | 44.2112% | 182 |
| Total risk-based capital ratio | 45.4670% | 182 |
| Memoranda: | ||
| Average total assets | $79,638,750 | 4,781 |
| Average earning assets | $75,496,750 | 4,727 |
| Average equity | $15,838,000 | 3,745 |
| Average total loans | $53,337,250 | 4,514 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 2,596 |
| Cost of funding earning assets | 1.0331% | 140 |
| Net interest margin | 3.1391% | 4,721 |
| Noninterest income to average assets | 0.0625% | 5,880 |
| Noninterest expense to average assets | 1.7835% | 5,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8380% | 3,137 |
| Return on assets (ROA) | 0.8380% | 3,276 |
| Pretax return on assets | 1.2507% | 2,599 |
| Return on Equity (ROE) | 4.2526% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.2526% | 3,204 |
| Net charge-offs to loans | 0.0338% | 2,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 55.5556% | 922 |
| Efficiency ratio | 58.7799% | 4,799 |
| Assets per employee ($millions) | 5.6662% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 3,110 |
| Loan loss allowance to noncurrent loans | 207.4766% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 3,679 |
| Noncurrent loans to loans | 0.5996% | 3,266 |
| Net loans and leases to total assets | 66.6469% | 2,988 |
| Net loans and leases to deposits | 84.2306% | 2,436 |
| Net loans and leases to core deposits | 92.1223% | 2,337 |
| Total domestic deposits to total assets | 79.1244% | 4,753 |
| Equity capital to assets | 20.0714% | 217 |
| Core capital (leverage) ratio | 19.9389% | 198 |
| Tier 1 risk-based capital ratio | 42.8015% | 199 |
| Total risk-based capital ratio | 44.0570% | 196 |
| Memoranda: | ||
| Average total assets | $79,956,000 | 4,816 |
| Average earning assets | $75,691,000 | 4,766 |
| Average equity | $15,755,000 | 3,768 |
| Average total loans | $53,309,000 | 4,546 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 2,398 |
| Cost of funding earning assets | 1.0279% | 141 |
| Net interest margin | 3.1940% | 4,602 |
| Noninterest income to average assets | 0.0698% | 5,906 |
| Noninterest expense to average assets | 1.8089% | 5,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8721% | 2,888 |
| Return on assets (ROA) | 0.8721% | 3,004 |
| Pretax return on assets | 1.2956% | 2,327 |
| Return on Equity (ROE) | 4.4667% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.4667% | 3,252 |
| Net charge-offs to loans | 0.0677% | 1,810 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 28.8889% | 1,203 |
| Efficiency ratio | 58.2665% | 4,962 |
| Assets per employee ($millions) | 5.6974% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 3,115 |
| Loan loss allowance to noncurrent loans | 328.0788% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 4,342 |
| Noncurrent loans to loans | 0.3842% | 4,065 |
| Net loans and leases to total assets | 65.4092% | 3,045 |
| Net loans and leases to deposits | 82.3048% | 2,507 |
| Net loans and leases to core deposits | 90.2881% | 2,343 |
| Total domestic deposits to total assets | 79.4719% | 4,864 |
| Equity capital to assets | 19.7558% | 221 |
| Core capital (leverage) ratio | 19.7400% | 207 |
| Tier 1 risk-based capital ratio | 43.7556% | 191 |
| Total risk-based capital ratio | 45.0106% | 189 |
| Memoranda: | ||
| Average total assets | $80,270,500 | 4,850 |
| Average earning assets | $76,269,000 | 4,791 |
| Average equity | $15,671,500 | 3,785 |
| Average total loans | $53,196,000 | 4,583 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0804% | 2,997 |
| Cost of funding earning assets | 1.1147% | 91 |
| Net interest margin | 2.9657% | 5,214 |
| Noninterest income to average assets | -0.0364% | 6,127 |
| Noninterest expense to average assets | 1.7724% | 5,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7904% | 3,373 |
| Return on assets (ROA) | 0.7904% | 3,456 |
| Pretax return on assets | 1.0135% | 3,405 |
| Return on Equity (ROE) | 4.2732% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.2732% | 2,934 |
| Net charge-offs to loans | 0.0544% | 3,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 28.8276% | 1,493 |
| Efficiency ratio | 63.6205% | 4,348 |
| Assets per employee ($millions) | 5.7698% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 3,107 |
| Loan loss allowance to noncurrent loans | 118.4211% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.7056% | 2,934 |
| Noncurrent loans to loans | 1.0644% | 2,211 |
| Net loans and leases to total assets | 65.4617% | 3,055 |
| Net loans and leases to deposits | 81.8342% | 2,611 |
| Net loans and leases to core deposits | 89.0787% | 2,492 |
| Total domestic deposits to total assets | 79.9931% | 4,745 |
| Equity capital to assets | 19.2939% | 240 |
| Core capital (leverage) ratio | 19.3092% | 222 |
| Tier 1 risk-based capital ratio | 42.4463% | 196 |
| Total risk-based capital ratio | 43.7018% | 195 |
| Memoranda: | ||
| Average total assets | $82,487,600 | 4,817 |
| Average earning assets | $78,496,800 | 4,751 |
| Average equity | $15,257,800 | 3,788 |
| Average total loans | $53,301,400 | 4,571 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0533% | 3,124 |
| Cost of funding earning assets | 1.1190% | 89 |
| Net interest margin | 2.9344% | 5,340 |
| Noninterest income to average assets | -0.0691% | 6,225 |
| Noninterest expense to average assets | 1.6916% | 5,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8314% | 3,276 |
| Return on assets (ROA) | 0.8314% | 3,359 |
| Pretax return on assets | 1.0308% | 3,501 |
| Return on Equity (ROE) | 4.5422% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.5422% | 3,239 |
| Net charge-offs to loans | 0.0726% | 2,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 22.1011% | 1,798 |
| Efficiency ratio | 62.1382% | 4,554 |
| Assets per employee ($millions) | 6.2128% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 3,220 |
| Loan loss allowance to noncurrent loans | 1,646.3415% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 5,571 |
| Noncurrent loans to loans | 0.0776% | 5,315 |
| Net loans and leases to total assets | 64.5767% | 3,218 |
| Net loans and leases to deposits | 80.5349% | 2,815 |
| Net loans and leases to core deposits | 87.2612% | 2,729 |
| Total domestic deposits to total assets | 80.1847% | 4,699 |
| Equity capital to assets | 19.1293% | 274 |
| Core capital (leverage) ratio | 18.9927% | 245 |
| Tier 1 risk-based capital ratio | 42.6595% | 217 |
| Total risk-based capital ratio | 43.9158% | 211 |
| Memoranda: | ||
| Average total assets | $82,915,250 | 4,869 |
| Average earning assets | $78,879,500 | 4,804 |
| Average equity | $15,176,000 | 3,843 |
| Average total loans | $53,238,500 | 4,626 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0279% | 3,172 |
| Cost of funding earning assets | 1.1163% | 85 |
| Net interest margin | 2.9115% | 5,422 |
| Noninterest income to average assets | -0.1483% | 6,312 |
| Noninterest expense to average assets | 1.6238% | 6,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6887% | 3,943 |
| Return on assets (ROA) | 0.6887% | 4,056 |
| Pretax return on assets | 0.9972% | 3,597 |
| Return on Equity (ROE) | 3.8184% | 5,089 |
| Retained earnings to average equity (ytd only) | 3.8184% | 3,575 |
| Net charge-offs to loans | 0.1087% | 1,909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 14.3793% | 2,061 |
| Efficiency ratio | 61.9526% | 4,683 |
| Assets per employee ($millions) | 6.2845% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 3,367 |
| Loan loss allowance to noncurrent loans | 13,500.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 4,589 |
| Noncurrent loans to loans | 0.0094% | 5,731 |
| Net loans and leases to total assets | 63.9440% | 3,269 |
| Net loans and leases to deposits | 79.3092% | 2,871 |
| Net loans and leases to core deposits | 85.4323% | 2,829 |
| Total domestic deposits to total assets | 80.6262% | 4,711 |
| Equity capital to assets | 18.6308% | 285 |
| Core capital (leverage) ratio | 18.5276% | 262 |
| Tier 1 risk-based capital ratio | 41.6762% | 233 |
| Total risk-based capital ratio | 42.9330% | 231 |
| Memoranda: | ||
| Average total assets | $83,631,670 | 4,905 |
| Average earning assets | $79,545,330 | 4,838 |
| Average equity | $15,084,670 | 3,874 |
| Average total loans | $53,374,330 | 4,664 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9828% | 3,289 |
| Cost of funding earning assets | 1.1138% | 88 |
| Net interest margin | 2.8690% | 5,508 |
| Noninterest income to average assets | 0.0095% | 6,313 |
| Noninterest expense to average assets | 1.5745% | 6,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7896% | 3,318 |
| Return on assets (ROA) | 0.7896% | 3,452 |
| Pretax return on assets | 1.1631% | 2,820 |
| Return on Equity (ROE) | 4.4484% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.4484% | 3,349 |
| Net charge-offs to loans | 0.2164% | 1,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.4828% | 2,084 |
| Efficiency ratio | 57.5130% | 5,394 |
| Assets per employee ($millions) | 6.3738% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 3,553 |
| Loan loss allowance to noncurrent loans | 76.9669% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.6317% | 1,560 |
| Noncurrent loans to loans | 1.6560% | 1,678 |
| Net loans and leases to total assets | 63.1004% | 3,222 |
| Net loans and leases to deposits | 77.9280% | 2,816 |
| Net loans and leases to core deposits | 83.9259% | 2,780 |
| Total domestic deposits to total assets | 80.9727% | 4,828 |
| Equity capital to assets | 18.2235% | 316 |
| Core capital (leverage) ratio | 17.9435% | 288 |
| Tier 1 risk-based capital ratio | 40.3086% | 257 |
| Total risk-based capital ratio | 41.5632% | 253 |
| Memoranda: | ||
| Average total assets | $84,598,500 | 4,927 |
| Average earning assets | $80,446,500 | 4,856 |
| Average equity | $15,016,500 | 3,910 |
| Average total loans | $53,603,500 | 4,684 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,742 |
| Cost of funding earning assets | 1.2721% | 62 |
| Net interest margin | 2.7245% | 5,908 |
| Noninterest income to average assets | -0.0135% | 6,414 |
| Noninterest expense to average assets | 1.5789% | 6,253 |
| Loan and lease loss provision to assets | 0.0192% | 4,235 |
| Net operating income to assets | 0.6888% | 3,952 |
| Return on assets (ROA) | 0.6839% | 4,092 |
| Pretax return on assets | 0.9559% | 3,663 |
| Return on Equity (ROE) | 4.1375% | 5,059 |
| Retained earnings to average equity (ytd only) | 4.1375% | 3,258 |
| Net charge-offs to loans | 0.1118% | 2,916 |
| Credit loss provision to net charge-offs | 27.4194% | 3,881 |
| Earnings coverage of net charge-offs (x) | 14.0323% | 2,205 |
| Efficiency ratio | 61.6571% | 4,960 |
| Assets per employee ($millions) | 6.6413% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 3,436 |
| Loan loss allowance to noncurrent loans | 139.9602% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 1.2138% | 2,350 |
| Noncurrent loans to loans | 0.9272% | 2,996 |
| Net loans and leases to total assets | 62.0163% | 3,499 |
| Net loans and leases to deposits | 75.6546% | 3,238 |
| Net loans and leases to core deposits | 81.1233% | 3,187 |
| Total domestic deposits to total assets | 81.9730% | 4,429 |
| Equity capital to assets | 17.2962% | 391 |
| Core capital (leverage) ratio | 17.2962% | 341 |
| Tier 1 risk-based capital ratio | 40.2312% | 234 |
| Total risk-based capital ratio | 41.4812% | 229 |
| Memoranda: | ||
| Average total assets | $88,606,000 | 4,875 |
| Average earning assets | $83,721,600 | 4,799 |
| Average equity | $14,646,400 | 3,906 |
| Average total loans | $55,438,600 | 4,631 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 3,797 |
| Cost of funding earning assets | 1.3000% | 54 |
| Net interest margin | 2.6904% | 6,017 |
| Noninterest income to average assets | -0.0329% | 6,504 |
| Noninterest expense to average assets | 1.4668% | 6,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7466% | 3,685 |
| Return on assets (ROA) | 0.7401% | 3,836 |
| Pretax return on assets | 1.0287% | 3,472 |
| Return on Equity (ROE) | 4.5282% | 4,952 |
| Retained earnings to average equity (ytd only) | 4.5282% | 3,425 |
| Net charge-offs to loans | 0.0120% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 138.7271% | 440 |
| Efficiency ratio | 58.5672% | 5,371 |
| Assets per employee ($millions) | 6.9188% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 3,368 |
| Loan loss allowance to noncurrent loans | 92.5373% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9428% | 3,084 |
| Noncurrent loans to loans | 1.4657% | 2,219 |
| Net loans and leases to total assets | 60.1590% | 3,759 |
| Net loans and leases to deposits | 72.6689% | 3,605 |
| Net loans and leases to core deposits | 78.5695% | 3,486 |
| Total domestic deposits to total assets | 82.7850% | 4,210 |
| Equity capital to assets | 16.4790% | 495 |
| Core capital (leverage) ratio | 16.4790% | 424 |
| Tier 1 risk-based capital ratio | 40.1430% | 242 |
| Total risk-based capital ratio | 41.4024% | 238 |
| Memoranda: | ||
| Average total assets | $89,173,250 | 4,909 |
| Average earning assets | $84,098,250 | 4,831 |
| Average equity | $14,574,750 | 3,933 |
| Average total loans | $55,736,500 | 4,664 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 3,716 |
| Cost of funding earning assets | 1.3162% | 51 |
| Net interest margin | 2.6874% | 6,065 |
| Noninterest income to average assets | 0.0067% | 6,533 |
| Noninterest expense to average assets | 1.3946% | 6,479 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7648% | 3,490 |
| Return on assets (ROA) | 0.7558% | 3,641 |
| Pretax return on assets | 1.1292% | 2,982 |
| Return on Equity (ROE) | 4.6369% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.6369% | 3,205 |
| Net charge-offs to loans | 0.0178% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 101.6000% | 553 |
| Efficiency ratio | 54.9645% | 5,832 |
| Assets per employee ($millions) | 6.8953% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 3,621 |
| Loan loss allowance to noncurrent loans | 104.6414% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8936% | 3,313 |
| Noncurrent loans to loans | 1.2842% | 2,658 |
| Net loans and leases to total assets | 60.9366% | 3,573 |
| Net loans and leases to deposits | 74.9976% | 3,192 |
| Net loans and leases to core deposits | 82.3404% | 2,937 |
| Total domestic deposits to total assets | 81.2515% | 4,897 |
| Equity capital to assets | 16.3578% | 495 |
| Core capital (leverage) ratio | 16.3578% | 427 |
| Tier 1 risk-based capital ratio | 39.7792% | 248 |
| Total risk-based capital ratio | 41.0352% | 244 |
| Memoranda: | ||
| Average total assets | $88,916,000 | 4,952 |
| Average earning assets | $83,724,670 | 4,876 |
| Average equity | $14,492,330 | 3,948 |
| Average total loans | $56,030,670 | 4,692 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 3,629 |
| Cost of funding earning assets | 1.3235% | 55 |
| Net interest margin | 2.6902% | 6,120 |
| Noninterest income to average assets | -0.0271% | 6,642 |
| Noninterest expense to average assets | 1.4048% | 6,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7409% | 3,478 |
| Return on assets (ROA) | 0.7227% | 3,659 |
| Pretax return on assets | 1.0750% | 3,015 |
| Return on Equity (ROE) | 4.4423% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.4423% | 3,459 |
| Net charge-offs to loans | 0.0355% | 2,892 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 48.8000% | 762 |
| Efficiency ratio | 56.0360% | 5,837 |
| Assets per employee ($millions) | 6.8412% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 3,979 |
| Loan loss allowance to noncurrent loans | 156.9620% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6432% | 4,211 |
| Noncurrent loans to loans | 0.8442% | 3,779 |
| Net loans and leases to total assets | 62.2965% | 3,189 |
| Net loans and leases to deposits | 76.6487% | 2,735 |
| Net loans and leases to core deposits | 84.1917% | 2,491 |
| Total domestic deposits to total assets | 81.2753% | 5,159 |
| Equity capital to assets | 16.2892% | 487 |
| Core capital (leverage) ratio | 16.2892% | 447 |
| Tier 1 risk-based capital ratio | 39.0612% | 255 |
| Total risk-based capital ratio | 40.3203% | 251 |
| Memoranda: | ||
| Average total assets | $88,554,500 | 5,005 |
| Average earning assets | $83,413,000 | 4,934 |
| Average equity | $14,407,000 | 3,970 |
| Average total loans | $56,362,500 | 4,715 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 3,619 |
| Cost of funding earning assets | 1.4180% | 68 |
| Net interest margin | 2.7128% | 6,124 |
| Noninterest income to average assets | 0.0853% | 6,440 |
| Noninterest expense to average assets | 1.4897% | 6,581 |
| Loan and lease loss provision to assets | 0.1530% | 2,365 |
| Net operating income to assets | 0.7116% | 3,746 |
| Return on assets (ROA) | 0.7116% | 3,826 |
| Pretax return on assets | 1.0064% | 3,325 |
| Return on Equity (ROE) | 4.5743% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.5743% | 2,904 |
| Net charge-offs to loans | 0.1682% | 3,137 |
| Credit loss provision to net charge-offs | 143.7500% | 1,621 |
| Earnings coverage of net charge-offs (x) | 10.8958% | 2,303 |
| Efficiency ratio | 56.2343% | 5,928 |
| Assets per employee ($millions) | 6.7825% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 4,015 |
| Loan loss allowance to noncurrent loans | 462.3457% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 5,261 |
| Noncurrent loans to loans | 0.2863% | 5,332 |
| Net loans and leases to total assets | 63.3164% | 3,161 |
| Net loans and leases to deposits | 77.9090% | 2,733 |
| Net loans and leases to core deposits | 84.8747% | 2,574 |
| Total domestic deposits to total assets | 81.2698% | 5,102 |
| Equity capital to assets | 16.2487% | 496 |
| Core capital (leverage) ratio | 16.2487% | 446 |
| Tier 1 risk-based capital ratio | 38.3003% | 259 |
| Total risk-based capital ratio | 39.5594% | 251 |
| Memoranda: | ||
| Average total assets | $90,221,000 | 4,976 |
| Average earning assets | $85,263,200 | 4,901 |
| Average equity | $14,035,000 | 4,063 |
| Average total loans | $57,061,600 | 4,712 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1262% | 3,658 |
| Cost of funding earning assets | 1.4293% | 68 |
| Net interest margin | 2.6969% | 6,181 |
| Noninterest income to average assets | 0.0940% | 6,497 |
| Noninterest expense to average assets | 1.4489% | 6,665 |
| Loan and lease loss provision to assets | 0.1073% | 2,971 |
| Net operating income to assets | 0.7994% | 3,346 |
| Return on assets (ROA) | 0.7994% | 3,481 |
| Pretax return on assets | 1.0859% | 3,169 |
| Return on Equity (ROE) | 5.1950% | 4,628 |
| Retained earnings to average equity (ytd only) | 5.1950% | 2,936 |
| Net charge-offs to loans | 0.1795% | 2,789 |
| Credit loss provision to net charge-offs | 94.8052% | 2,509 |
| Earnings coverage of net charge-offs (x) | 10.5459% | 2,344 |
| Efficiency ratio | 54.8387% | 6,030 |
| Assets per employee ($millions) | 6.9790% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 4,669 |
| Loan loss allowance to noncurrent loans | 258.4559% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 5,245 |
| Noncurrent loans to loans | 0.4814% | 4,997 |
| Net loans and leases to total assets | 61.5043% | 3,454 |
| Net loans and leases to deposits | 75.1539% | 3,069 |
| Net loans and leases to core deposits | 82.0820% | 2,865 |
| Total domestic deposits to total assets | 81.8378% | 4,985 |
| Equity capital to assets | 15.6833% | 598 |
| Core capital (leverage) ratio | 15.6833% | 543 |
| Tier 1 risk-based capital ratio | 37.5138% | 273 |
| Total risk-based capital ratio | 38.7714% | 272 |
| Memoranda: | ||
| Average total assets | $90,733,000 | 5,016 |
| Average earning assets | $85,725,500 | 4,934 |
| Average equity | $13,962,000 | 4,119 |
| Average total loans | $57,182,750 | 4,753 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1532% | 3,525 |
| Cost of funding earning assets | 1.4592% | 67 |
| Net interest margin | 2.6940% | 6,187 |
| Noninterest income to average assets | 0.0749% | 6,603 |
| Noninterest expense to average assets | 1.3446% | 6,762 |
| Loan and lease loss provision to assets | 0.0771% | 3,513 |
| Net operating income to assets | 0.8486% | 3,050 |
| Return on assets (ROA) | 0.8486% | 3,202 |
| Pretax return on assets | 1.1925% | 2,709 |
| Return on Equity (ROE) | 5.5503% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.5503% | 2,705 |
| Net charge-offs to loans | 0.2683% | 2,132 |
| Credit loss provision to net charge-offs | 45.4545% | 3,306 |
| Earnings coverage of net charge-offs (x) | 7.4805% | 2,540 |
| Efficiency ratio | 51.4334% | 6,316 |
| Assets per employee ($millions) | 6.9443% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,180 |
| Loan loss allowance to noncurrent loans | 339.2857% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 5,551 |
| Noncurrent loans to loans | 0.3431% | 5,440 |
| Net loans and leases to total assets | 62.5371% | 3,192 |
| Net loans and leases to deposits | 76.3579% | 2,828 |
| Net loans and leases to core deposits | 83.0822% | 2,685 |
| Total domestic deposits to total assets | 81.9000% | 5,090 |
| Equity capital to assets | 15.5855% | 608 |
| Core capital (leverage) ratio | 15.5855% | 507 |
| Tier 1 risk-based capital ratio | 34.6509% | 347 |
| Total risk-based capital ratio | 35.9044% | 345 |
| Memoranda: | ||
| Average total assets | $90,735,000 | 5,044 |
| Average earning assets | $85,523,670 | 4,965 |
| Average equity | $13,873,000 | 4,170 |
| Average total loans | $57,409,000 | 4,769 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 3,112 |
| Cost of funding earning assets | 1.5089% | 57 |
| Net interest margin | 2.7405% | 6,148 |
| Noninterest income to average assets | 0.0879% | 6,623 |
| Noninterest expense to average assets | 1.3412% | 6,855 |
| Loan and lease loss provision to assets | 0.0879% | 3,198 |
| Net operating income to assets | 0.7871% | 3,235 |
| Return on assets (ROA) | 0.7871% | 3,366 |
| Pretax return on assets | 1.2225% | 2,499 |
| Return on Equity (ROE) | 5.1980% | 4,463 |
| Retained earnings to average equity (ytd only) | 5.1980% | 3,113 |
| Net charge-offs to loans | 0.3962% | 1,463 |
| Credit loss provision to net charge-offs | 35.0877% | 2,813 |
| Earnings coverage of net charge-offs (x) | 5.2281% | 2,393 |
| Efficiency ratio | 50.5804% | 6,469 |
| Assets per employee ($millions) | 6.9775% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 5,365 |
| Loan loss allowance to noncurrent loans | 240.1434% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 5,295 |
| Noncurrent loans to loans | 0.4833% | 5,216 |
| Net loans and leases to total assets | 62.9074% | 2,901 |
| Net loans and leases to deposits | 77.7390% | 2,379 |
| Net loans and leases to core deposits | 84.1461% | 2,305 |
| Total domestic deposits to total assets | 80.9212% | 5,521 |
| Equity capital to assets | 15.2842% | 686 |
| Core capital (leverage) ratio | 15.2842% | 548 |
| Tier 1 risk-based capital ratio | 34.6427% | 359 |
| Total risk-based capital ratio | 35.8971% | 353 |
| Memoranda: | ||
| Average total assets | $90,964,500 | 5,074 |
| Average earning assets | $85,093,000 | 5,009 |
| Average equity | $13,774,500 | 4,236 |
| Average total loans | $57,553,000 | 4,793 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 3,248 |
| Cost of funding earning assets | 1.6535% | 90 |
| Net interest margin | 2.8845% | 6,252 |
| Noninterest income to average assets | 0.0789% | 6,587 |
| Noninterest expense to average assets | 1.4343% | 6,899 |
| Loan and lease loss provision to assets | 0.1533% | 3,695 |
| Net operating income to assets | 0.7688% | 3,422 |
| Return on assets (ROA) | 0.7688% | 3,670 |
| Pretax return on assets | 1.2143% | 2,753 |
| Return on Equity (ROE) | 5.1705% | 4,605 |
| Retained earnings to average equity (ytd only) | 5.1705% | 2,594 |
| Net charge-offs to loans | 0.0344% | 5,438 |
| Credit loss provision to net charge-offs | 690.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 61.5500% | 586 |
| Efficiency ratio | 51.1895% | 6,510 |
| Assets per employee ($millions) | 7.0170% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 4,970 |
| Loan loss allowance to noncurrent loans | 112.0444% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6917% | 4,758 |
| Noncurrent loans to loans | 1.0998% | 4,006 |
| Net loans and leases to total assets | 62.1206% | 3,232 |
| Net loans and leases to deposits | 77.2651% | 2,615 |
| Net loans and leases to core deposits | 84.5587% | 2,483 |
| Total domestic deposits to total assets | 80.3993% | 5,568 |
| Equity capital to assets | 15.0020% | 733 |
| Core capital (leverage) ratio | 15.0020% | 566 |
| Tier 1 risk-based capital ratio | 34.6640% | 349 |
| Total risk-based capital ratio | 35.9204% | 348 |
| Memoranda: | ||
| Average total assets | $90,007,400 | 5,082 |
| Average earning assets | $84,970,600 | 4,989 |
| Average equity | $13,383,600 | 4,277 |
| Average total loans | $58,202,800 | 4,788 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6174% | 3,143 |
| Cost of funding earning assets | 1.6773% | 92 |
| Net interest margin | 2.9400% | 6,290 |
| Noninterest income to average assets | 0.0803% | 6,689 |
| Noninterest expense to average assets | 1.3689% | 7,008 |
| Loan and lease loss provision to assets | 0.1932% | 3,168 |
| Net operating income to assets | 0.8532% | 3,198 |
| Return on assets (ROA) | 0.8532% | 3,452 |
| Pretax return on assets | 1.3005% | 2,610 |
| Return on Equity (ROE) | 5.7506% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.7506% | 2,866 |
| Net charge-offs to loans | 0.0457% | 5,015 |
| Credit loss provision to net charge-offs | 650.0000% | 415 |
| Earnings coverage of net charge-offs (x) | 50.2426% | 753 |
| Efficiency ratio | 47.8193% | 6,733 |
| Assets per employee ($millions) | 7.0212% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 5,346 |
| Loan loss allowance to noncurrent loans | 58.0083% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.3202% | 3,648 |
| Noncurrent loans to loans | 2.0452% | 2,799 |
| Net loans and leases to total assets | 63.7846% | 3,059 |
| Net loans and leases to deposits | 79.3577% | 2,490 |
| Net loans and leases to core deposits | 86.1982% | 2,434 |
| Total domestic deposits to total assets | 80.3760% | 5,555 |
| Equity capital to assets | 14.8637% | 854 |
| Core capital (leverage) ratio | 14.8637% | 633 |
| Tier 1 risk-based capital ratio | 34.1454% | 384 |
| Total risk-based capital ratio | 35.4013% | 378 |
| Memoranda: | ||
| Average total assets | $89,704,000 | 5,151 |
| Average earning assets | $84,894,500 | 5,045 |
| Average equity | $13,308,250 | 4,341 |
| Average total loans | $58,410,000 | 4,825 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 2,976 |
| Cost of funding earning assets | 1.7219% | 94 |
| Net interest margin | 2.9640% | 6,309 |
| Noninterest income to average assets | 0.0875% | 6,727 |
| Noninterest expense to average assets | 1.3164% | 7,100 |
| Loan and lease loss provision to assets | 0.1009% | 4,266 |
| Net operating income to assets | 1.0765% | 2,139 |
| Return on assets (ROA) | 1.0765% | 2,363 |
| Pretax return on assets | 1.4689% | 1,960 |
| Return on Equity (ROE) | 7.2606% | 3,639 |
| Retained earnings to average equity (ytd only) | 7.2606% | 1,974 |
| Net charge-offs to loans | 0.0687% | 4,467 |
| Credit loss provision to net charge-offs | 225.0000% | 1,262 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 972 |
| Efficiency ratio | 45.6099% | 6,897 |
| Assets per employee ($millions) | 6.9166% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 5,954 |
| Loan loss allowance to noncurrent loans | 63.4298% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.0855% | 4,209 |
| Noncurrent loans to loans | 1.6569% | 3,416 |
| Net loans and leases to total assets | 64.2900% | 2,969 |
| Net loans and leases to deposits | 79.6393% | 2,434 |
| Net loans and leases to core deposits | 86.2186% | 2,400 |
| Total domestic deposits to total assets | 80.7265% | 5,549 |
| Equity capital to assets | 14.9840% | 793 |
| Core capital (leverage) ratio | 14.9829% | 602 |
| Tier 1 risk-based capital ratio | 34.4729% | 358 |
| Total risk-based capital ratio | 35.7267% | 354 |
| Memoranda: | ||
| Average total assets | $89,180,000 | 5,190 |
| Average earning assets | $84,209,330 | 5,095 |
| Average equity | $13,222,000 | 4,354 |
| Average total loans | $58,240,330 | 4,865 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 2,809 |
| Cost of funding earning assets | 1.7657% | 100 |
| Net interest margin | 2.9940% | 6,301 |
| Noninterest income to average assets | 0.0811% | 6,822 |
| Noninterest expense to average assets | 1.3917% | 7,118 |
| Loan and lease loss provision to assets | 0.1126% | 3,948 |
| Net operating income to assets | 0.9188% | 2,833 |
| Return on assets (ROA) | 0.9188% | 3,044 |
| Pretax return on assets | 1.3872% | 2,226 |
| Return on Equity (ROE) | 6.2307% | 4,173 |
| Retained earnings to average equity (ytd only) | 6.2307% | 2,827 |
| Net charge-offs to loans | 0.0550% | 3,945 |
| Credit loss provision to net charge-offs | 312.5000% | 947 |
| Earnings coverage of net charge-offs (x) | 41.6250% | 722 |
| Efficiency ratio | 48.1308% | 6,796 |
| Assets per employee ($millions) | 7.3994% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 6,070 |
| Loan loss allowance to noncurrent loans | 56.5299% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.4584% | 3,682 |
| Noncurrent loans to loans | 1.8605% | 3,328 |
| Net loans and leases to total assets | 64.2089% | 2,815 |
| Net loans and leases to deposits | 79.5760% | 2,267 |
| Net loans and leases to core deposits | 86.2253% | 2,268 |
| Total domestic deposits to total assets | 80.6888% | 5,681 |
| Equity capital to assets | 14.8638% | 772 |
| Core capital (leverage) ratio | 14.8615% | 623 |
| Tier 1 risk-based capital ratio | 33.9307% | 367 |
| Total risk-based capital ratio | 35.1855% | 361 |
| Memoranda: | ||
| Average total assets | $88,812,000 | 5,248 |
| Average earning assets | $83,368,000 | 5,162 |
| Average equity | $13,096,500 | 4,391 |
| Average total loans | $58,150,000 | 4,898 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7938% | 3,838 |
| Cost of funding earning assets | 1.8907% | 155 |
| Net interest margin | 2.9031% | 6,684 |
| Noninterest income to average assets | 0.0967% | 6,654 |
| Noninterest expense to average assets | 1.4621% | 7,189 |
| Loan and lease loss provision to assets | 0.1411% | 4,850 |
| Net operating income to assets | 0.8340% | 2,899 |
| Return on assets (ROA) | 0.8340% | 3,059 |
| Pretax return on assets | 1.2277% | 2,360 |
| Return on Equity (ROE) | 5.7989% | 3,971 |
| Retained earnings to average equity (ytd only) | 5.7989% | 2,126 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4871% | 6,742 |
| Assets per employee ($millions) | 7.4026% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 6,206 |
| Loan loss allowance to noncurrent loans | 46.3780% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 1.6582% | 3,463 |
| Noncurrent loans to loans | 2.1642% | 2,991 |
| Net loans and leases to total assets | 65.3961% | 2,901 |
| Net loans and leases to deposits | 80.7574% | 2,399 |
| Net loans and leases to core deposits | 88.4578% | 2,326 |
| Total domestic deposits to total assets | 80.9785% | 5,454 |
| Equity capital to assets | 14.6289% | 866 |
| Core capital (leverage) ratio | 14.6263% | 683 |
| Tier 1 risk-based capital ratio | 33.0610% | 388 |
| Total risk-based capital ratio | 34.3131% | 387 |
| Memoranda: | ||
| Average total assets | $87,888,000 | 5,241 |
| Average earning assets | $82,773,600 | 5,151 |
| Average equity | $12,640,400 | 4,408 |
| Average total loans | $58,269,800 | 4,934 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 4,159 |
| Cost of funding earning assets | 1.8982% | 180 |
| Net interest margin | 2.8691% | 6,802 |
| Noninterest income to average assets | 0.1019% | 6,745 |
| Noninterest expense to average assets | 1.3736% | 7,287 |
| Loan and lease loss provision to assets | 0.1430% | 4,651 |
| Net operating income to assets | 0.8914% | 2,775 |
| Return on assets (ROA) | 0.8914% | 2,926 |
| Pretax return on assets | 1.2914% | 2,315 |
| Return on Equity (ROE) | 6.2247% | 3,914 |
| Retained earnings to average equity (ytd only) | 6.2247% | 2,419 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7541% | 6,907 |
| Assets per employee ($millions) | 7.5664% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 6,453 |
| Loan loss allowance to noncurrent loans | 42.5743% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 1.4461% | 3,952 |
| Noncurrent loans to loans | 2.2340% | 3,067 |
| Net loans and leases to total assets | 64.1156% | 3,287 |
| Net loans and leases to deposits | 78.7647% | 2,850 |
| Net loans and leases to core deposits | 86.3583% | 2,729 |
| Total domestic deposits to total assets | 81.4014% | 5,296 |
| Equity capital to assets | 14.1524% | 1,099 |
| Core capital (leverage) ratio | 14.1482% | 864 |
| Tier 1 risk-based capital ratio | 32.4615% | 439 |
| Total risk-based capital ratio | 33.7124% | 432 |
| Memoranda: | ||
| Average total assets | $87,652,250 | 5,282 |
| Average earning assets | $82,670,500 | 5,196 |
| Average equity | $12,551,750 | 4,441 |
| Average total loans | $58,167,000 | 4,987 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7944% | 4,118 |
| Cost of funding earning assets | 1.9114% | 195 |
| Net interest margin | 2.8830% | 6,825 |
| Noninterest income to average assets | 0.0878% | 6,890 |
| Noninterest expense to average assets | 1.3487% | 7,380 |
| Loan and lease loss provision to assets | 0.2171% | 3,749 |
| Net operating income to assets | 0.8198% | 2,982 |
| Return on assets (ROA) | 0.8198% | 3,100 |
| Pretax return on assets | 1.2355% | 2,358 |
| Return on Equity (ROE) | 5.7017% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.7017% | 2,591 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9802% | 7,063 |
| Assets per employee ($millions) | 7.3803% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 6,494 |
| Loan loss allowance to noncurrent loans | 70.5808% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 5,082 |
| Noncurrent loans to loans | 1.3541% | 4,389 |
| Net loans and leases to total assets | 65.4133% | 3,161 |
| Net loans and leases to deposits | 80.6695% | 2,669 |
| Net loans and leases to core deposits | 88.3204% | 2,595 |
| Total domestic deposits to total assets | 81.0880% | 5,494 |
| Equity capital to assets | 14.2531% | 1,014 |
| Core capital (leverage) ratio | 14.2452% | 814 |
| Tier 1 risk-based capital ratio | 32.6492% | 428 |
| Total risk-based capital ratio | 33.9019% | 420 |
| Memoranda: | ||
| Average total assets | $86,604,000 | 5,355 |
| Average earning assets | $81,512,330 | 5,282 |
| Average equity | $12,452,330 | 4,441 |
| Average total loans | $57,964,670 | 5,048 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 3,966 |
| Cost of funding earning assets | 1.9138% | 236 |
| Net interest margin | 2.9054% | 6,752 |
| Noninterest income to average assets | 0.0747% | 7,014 |
| Noninterest expense to average assets | 1.3968% | 7,414 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9063% | 2,532 |
| Return on assets (ROA) | 0.9063% | 2,595 |
| Pretax return on assets | 1.4155% | 1,683 |
| Return on Equity (ROE) | 6.2748% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.2748% | 2,476 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5017% | 7,026 |
| Assets per employee ($millions) | 7.1851% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8020% | 6,916 |
| Loan loss allowance to noncurrent loans | 131.7280% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5683% | 5,835 |
| Noncurrent loans to loans | 0.6089% | 5,817 |
| Net loans and leases to total assets | 66.7030% | 2,833 |
| Net loans and leases to deposits | 82.6749% | 2,240 |
| Net loans and leases to core deposits | 87.4415% | 2,679 |
| Total domestic deposits to total assets | 80.6810% | 5,757 |
| Equity capital to assets | 14.4547% | 890 |
| Core capital (leverage) ratio | 14.4458% | 749 |
| Tier 1 risk-based capital ratio | 32.7581% | 409 |
| Total risk-based capital ratio | 33.9813% | 403 |
| Memoranda: | ||
| Average total assets | $85,624,500 | 5,419 |
| Average earning assets | $80,676,500 | 5,340 |
| Average equity | $12,367,000 | 4,471 |
| Average total loans | $57,701,500 | 5,101 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1218% | 3,994 |
| Cost of funding earning assets | 2.1071% | 416 |
| Net interest margin | 3.0147% | 6,708 |
| Noninterest income to average assets | 0.0652% | 7,041 |
| Noninterest expense to average assets | 1.5064% | 7,445 |
| Loan and lease loss provision to assets | 0.2235% | 5,042 |
| Net operating income to assets | 0.7393% | 3,051 |
| Return on assets (ROA) | 0.7393% | 3,180 |
| Pretax return on assets | 1.1561% | 2,374 |
| Return on Equity (ROE) | 5.1161% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.1161% | 2,353 |
| Net charge-offs to loans | 0.0334% | 6,469 |
| Credit loss provision to net charge-offs | 973.6842% | 230 |
| Earnings coverage of net charge-offs (x) | 60.1053% | 395 |
| Efficiency ratio | 52.1976% | 6,976 |
| Assets per employee ($millions) | 7.0857% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 6,946 |
| Loan loss allowance to noncurrent loans | 60.2332% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 0.9079% | 5,206 |
| Noncurrent loans to loans | 1.3443% | 4,470 |
| Net loans and leases to total assets | 66.9909% | 3,229 |
| Net loans and leases to deposits | 83.0929% | 2,608 |
| Net loans and leases to core deposits | 87.6054% | 3,103 |
| Total domestic deposits to total assets | 80.6217% | 5,653 |
| Equity capital to assets | 14.4317% | 920 |
| Core capital (leverage) ratio | 14.4210% | 763 |
| Tier 1 risk-based capital ratio | 32.8580% | 411 |
| Total risk-based capital ratio | 34.1044% | 405 |
| Memoranda: | ||
| Average total assets | $82,778,400 | 5,503 |
| Average earning assets | $77,453,800 | 5,435 |
| Average equity | $11,962,200 | 4,620 |
| Average total loans | $56,963,000 | 5,201 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1749% | 3,961 |
| Cost of funding earning assets | 2.1371% | 469 |
| Net interest margin | 3.0378% | 6,755 |
| Noninterest income to average assets | 0.0795% | 7,136 |
| Noninterest expense to average assets | 1.4498% | 7,574 |
| Loan and lease loss provision to assets | 0.2433% | 4,652 |
| Net operating income to assets | 0.7865% | 3,060 |
| Return on assets (ROA) | 0.7865% | 3,225 |
| Pretax return on assets | 1.2195% | 2,424 |
| Return on Equity (ROE) | 5.4409% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.4409% | 2,683 |
| Net charge-offs to loans | 0.0446% | 6,093 |
| Credit loss provision to net charge-offs | 789.4737% | 374 |
| Earnings coverage of net charge-offs (x) | 47.4789% | 591 |
| Efficiency ratio | 49.7773% | 7,172 |
| Assets per employee ($millions) | 6.5314% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 7,099 |
| Loan loss allowance to noncurrent loans | 67.0827% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.0600% | 4,997 |
| Noncurrent loans to loans | 1.1239% | 4,989 |
| Net loans and leases to total assets | 66.6651% | 3,535 |
| Net loans and leases to deposits | 82.6867% | 2,972 |
| Net loans and leases to core deposits | 88.0722% | 3,360 |
| Total domestic deposits to total assets | 80.6237% | 5,509 |
| Equity capital to assets | 14.3096% | 1,081 |
| Core capital (leverage) ratio | 14.2933% | 862 |
| Tier 1 risk-based capital ratio | 32.6348% | 414 |
| Total risk-based capital ratio | 33.7915% | 407 |
| Memoranda: | ||
| Average total assets | $82,216,000 | 5,590 |
| Average earning assets | $76,675,750 | 5,524 |
| Average equity | $11,885,000 | 4,710 |
| Average total loans | $56,847,250 | 5,281 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1854% | 4,024 |
| Cost of funding earning assets | 2.1562% | 540 |
| Net interest margin | 3.0292% | 6,773 |
| Noninterest income to average assets | 0.0762% | 7,207 |
| Noninterest expense to average assets | 1.4314% | 7,647 |
| Loan and lease loss provision to assets | 0.3320% | 3,742 |
| Net operating income to assets | 0.7919% | 3,004 |
| Return on assets (ROA) | 0.7919% | 3,155 |
| Pretax return on assets | 1.1461% | 2,600 |
| Return on Equity (ROE) | 5.4592% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.4592% | 2,640 |
| Net charge-offs to loans | 0.0282% | 5,939 |
| Credit loss provision to net charge-offs | 1,687.5000% | 238 |
| Earnings coverage of net charge-offs (x) | 75.1250% | 418 |
| Efficiency ratio | 49.1970% | 7,276 |
| Assets per employee ($millions) | 6.4008% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7484% | 7,154 |
| Loan loss allowance to noncurrent loans | 101.1876% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.8172% | 5,490 |
| Noncurrent loans to loans | 0.7396% | 5,778 |
| Net loans and leases to total assets | 67.8969% | 3,389 |
| Net loans and leases to deposits | 84.5055% | 2,793 |
| Net loans and leases to core deposits | 89.7504% | 3,310 |
| Total domestic deposits to total assets | 80.3461% | 5,615 |
| Equity capital to assets | 14.3973% | 1,038 |
| Core capital (leverage) ratio | 14.3872% | 838 |
| Tier 1 risk-based capital ratio | 32.6282% | 404 |
| Total risk-based capital ratio | 33.7895% | 403 |
| Memoranda: | ||
| Average total assets | $81,318,670 | 5,659 |
| Average earning assets | $76,059,670 | 5,575 |
| Average equity | $11,796,670 | 4,732 |
| Average total loans | $56,785,000 | 5,321 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2082% | 3,973 |
| Cost of funding earning assets | 2.1767% | 638 |
| Net interest margin | 3.0315% | 6,762 |
| Noninterest income to average assets | 0.0946% | 7,234 |
| Noninterest expense to average assets | 1.4731% | 7,726 |
| Loan and lease loss provision to assets | 0.5972% | 2,124 |
| Net operating income to assets | 0.5624% | 4,069 |
| Return on assets (ROA) | 0.5624% | 4,216 |
| Pretax return on assets | 0.8660% | 3,601 |
| Return on Equity (ROE) | 3.8616% | 4,954 |
| Retained earnings to average equity (ytd only) | 3.8616% | 3,822 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1695% | 7,305 |
| Assets per employee ($millions) | 6.1829% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7383% | 7,276 |
| Loan loss allowance to noncurrent loans | 68.5761% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.1906% | 4,794 |
| Noncurrent loans to loans | 1.0766% | 5,197 |
| Net loans and leases to total assets | 70.0863% | 2,915 |
| Net loans and leases to deposits | 87.7326% | 2,272 |
| Net loans and leases to core deposits | 91.7283% | 3,138 |
| Total domestic deposits to total assets | 79.8863% | 5,824 |
| Equity capital to assets | 14.6346% | 971 |
| Core capital (leverage) ratio | 14.6318% | 818 |
| Tier 1 risk-based capital ratio | 32.2581% | 427 |
| Total risk-based capital ratio | 33.4074% | 427 |
| Memoranda: | ||
| Average total assets | $80,373,000 | 5,759 |
| Average earning assets | $75,343,000 | 5,657 |
| Average equity | $11,705,000 | 4,788 |
| Average total loans | $56,716,000 | 5,393 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4135% | 4,630 |
| Cost of funding earning assets | 2.5694% | 851 |
| Net interest margin | 2.8441% | 6,988 |
| Noninterest income to average assets | 0.0757% | 7,372 |
| Noninterest expense to average assets | 1.6026% | 7,766 |
| Loan and lease loss provision to assets | 0.1841% | 5,864 |
| Net operating income to assets | 0.7074% | 2,901 |
| Return on assets (ROA) | 0.7074% | 2,969 |
| Pretax return on assets | 0.9659% | 2,709 |
| Return on Equity (ROE) | 4.9323% | 3,700 |
| Retained earnings to average equity (ytd only) | 4.9323% | 1,856 |
| Net charge-offs to loans | 0.1754% | 5,548 |
| Credit loss provision to net charge-offs | 150.5155% | 3,078 |
| Earnings coverage of net charge-offs (x) | 9.4021% | 1,806 |
| Efficiency ratio | 58.0852% | 6,749 |
| Assets per employee ($millions) | 6.1822% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5275% | 7,648 |
| Loan loss allowance to noncurrent loans | 33.9387% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 1.5354% | 4,076 |
| Noncurrent loans to loans | 1.5544% | 4,321 |
| Net loans and leases to total assets | 70.1523% | 3,217 |
| Net loans and leases to deposits | 87.6732% | 2,616 |
| Net loans and leases to core deposits | 116.5840% | 2,259 |
| Total domestic deposits to total assets | 80.0157% | 5,667 |
| Equity capital to assets | 14.4921% | 1,026 |
| Core capital (leverage) ratio | 14.4912% | 883 |
| Tier 1 risk-based capital ratio | 31.7140% | 451 |
| Total risk-based capital ratio | 32.5282% | 466 |
| Memoranda: | ||
| Average total assets | $79,306,200 | 5,746 |
| Average earning assets | $74,646,400 | 5,647 |
| Average equity | $11,374,000 | 4,915 |
| Average total loans | $55,313,400 | 5,445 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4362% | 4,761 |
| Cost of funding earning assets | 2.6482% | 915 |
| Net interest margin | 2.7880% | 7,078 |
| Noninterest income to average assets | 0.0725% | 7,549 |
| Noninterest expense to average assets | 1.5384% | 7,871 |
| Loan and lease loss provision to assets | 0.1619% | 5,734 |
| Net operating income to assets | 0.7490% | 3,029 |
| Return on assets (ROA) | 0.7490% | 3,086 |
| Pretax return on assets | 0.9952% | 2,924 |
| Return on Equity (ROE) | 5.2362% | 3,864 |
| Retained earnings to average equity (ytd only) | 5.2362% | 2,351 |
| Net charge-offs to loans | 0.2353% | 4,584 |
| Credit loss provision to net charge-offs | 98.9691% | 5,170 |
| Earnings coverage of net charge-offs (x) | 7.0721% | 2,481 |
| Efficiency ratio | 56.8836% | 6,884 |
| Assets per employee ($millions) | 6.3241% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4435% | 7,774 |
| Loan loss allowance to noncurrent loans | 58.7264% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 0.9451% | 5,175 |
| Noncurrent loans to loans | 0.7552% | 5,794 |
| Net loans and leases to total assets | 67.9917% | 3,960 |
| Net loans and leases to deposits | 84.4674% | 3,576 |
| Net loans and leases to core deposits | 112.6317% | 2,964 |
| Total domestic deposits to total assets | 80.4946% | 5,249 |
| Equity capital to assets | 14.0233% | 1,299 |
| Core capital (leverage) ratio | 14.0233% | 1,082 |
| Tier 1 risk-based capital ratio | 31.5095% | 490 |
| Total risk-based capital ratio | 32.1900% | 504 |
| Memoranda: | ||
| Average total assets | $79,040,750 | 5,798 |
| Average earning assets | $74,364,250 | 5,703 |
| Average equity | $11,305,750 | 4,982 |
| Average total loans | $54,972,000 | 5,517 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4596% | 4,849 |
| Cost of funding earning assets | 2.7393% | 935 |
| Net interest margin | 2.7203% | 7,163 |
| Noninterest income to average assets | 0.0821% | 7,565 |
| Noninterest expense to average assets | 1.5414% | 7,950 |
| Loan and lease loss provision to assets | 0.1308% | 5,785 |
| Net operating income to assets | 0.7155% | 3,184 |
| Return on assets (ROA) | 0.7155% | 3,292 |
| Pretax return on assets | 0.9694% | 3,116 |
| Return on Equity (ROE) | 4.9682% | 4,089 |
| Retained earnings to average equity (ytd only) | 4.9682% | 2,529 |
| Net charge-offs to loans | 0.0073% | 6,486 |
| Credit loss provision to net charge-offs | 2,550.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 214.5000% | 194 |
| Efficiency ratio | 58.1553% | 6,844 |
| Assets per employee ($millions) | 6.1717% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5398% | 7,741 |
| Loan loss allowance to noncurrent loans | 38.3333% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 1.0158% | 4,940 |
| Noncurrent loans to loans | 1.4082% | 4,395 |
| Net loans and leases to total assets | 68.6659% | 4,029 |
| Net loans and leases to deposits | 83.2344% | 4,010 |
| Net loans and leases to core deposits | 111.7417% | 3,162 |
| Total domestic deposits to total assets | 82.4970% | 4,479 |
| Equity capital to assets | 14.1639% | 1,256 |
| Core capital (leverage) ratio | 14.1629% | 1,102 |
| Tier 1 risk-based capital ratio | 31.6765% | 508 |
| Total risk-based capital ratio | 32.5100% | 516 |
| Memoranda: | ||
| Average total assets | $77,983,330 | 5,868 |
| Average earning assets | $73,375,330 | 5,774 |
| Average equity | $11,231,330 | 5,022 |
| Average total loans | $54,580,330 | 5,574 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5393% | 4,700 |
| Cost of funding earning assets | 2.8084% | 960 |
| Net interest margin | 2.7310% | 7,137 |
| Noninterest income to average assets | 0.0989% | 7,544 |
| Noninterest expense to average assets | 1.6654% | 7,856 |
| Loan and lease loss provision to assets | 0.0520% | 6,308 |
| Net operating income to assets | 0.8275% | 3,013 |
| Return on assets (ROA) | 0.8275% | 3,162 |
| Pretax return on assets | 0.9524% | 3,525 |
| Return on Equity (ROE) | 5.6964% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.6964% | 2,783 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1832% | 6,020 |
| Assets per employee ($millions) | 6.0395% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4774% | 7,852 |
| Loan loss allowance to noncurrent loans | 50.2901% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 5,518 |
| Noncurrent loans to loans | 0.9493% | 5,102 |
| Net loans and leases to total assets | 69.0332% | 3,906 |
| Net loans and leases to deposits | 83.8750% | 4,004 |
| Net loans and leases to core deposits | 112.9590% | 3,109 |
| Total domestic deposits to total assets | 82.3048% | 4,434 |
| Equity capital to assets | 14.3212% | 1,276 |
| Core capital (leverage) ratio | 14.3201% | 1,129 |
| Tier 1 risk-based capital ratio | 32.2954% | 517 |
| Total risk-based capital ratio | 33.0423% | 526 |
| Memoranda: | ||
| Average total assets | $76,859,000 | 5,919 |
| Average earning assets | $72,355,500 | 5,829 |
| Average equity | $11,165,000 | 5,064 |
| Average total loans | $54,175,000 | 5,626 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8647% | 6,207 |
| Cost of funding earning assets | 3.3271% | 856 |
| Net interest margin | 2.5376% | 7,711 |
| Noninterest income to average assets | 0.1114% | 7,574 |
| Noninterest expense to average assets | 1.5655% | 7,993 |
| Loan and lease loss provision to assets | 0.0766% | 6,442 |
| Net operating income to assets | 0.5933% | 4,326 |
| Return on assets (ROA) | 0.5933% | 4,195 |
| Pretax return on assets | 0.8552% | 3,867 |
| Return on Equity (ROE) | 3.9198% | 4,854 |
| Retained earnings to average equity (ytd only) | 3.9198% | 2,686 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4651% | 5,864 |
| Assets per employee ($millions) | 5.7850% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4639% | 7,898 |
| Loan loss allowance to noncurrent loans | 40.4531% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8218% | 4,794 |
| Noncurrent loans to loans | 1.1468% | 4,251 |
| Net loans and leases to total assets | 71.3250% | 3,723 |
| Net loans and leases to deposits | 87.2351% | 3,904 |
| Net loans and leases to core deposits | 113.5815% | 3,385 |
| Total domestic deposits to total assets | 81.7619% | 4,293 |
| Equity capital to assets | 14.7410% | 1,234 |
| Core capital (leverage) ratio | 14.7388% | 1,083 |
| Tier 1 risk-based capital ratio | 32.5063% | 526 |
| Total risk-based capital ratio | 33.2395% | 536 |
| Memoranda: | ||
| Average total assets | $71,799,200 | 5,974 |
| Average earning assets | $67,505,800 | 5,909 |
| Average equity | $10,867,800 | 5,165 |
| Average total loans | $50,373,800 | 5,690 |