Home > Worthington Federal Savings Bank, FSB > Performance and Condition Ratios
Worthington Federal Savings Bank, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6525% | 4,311 |
| Cost of funding earning assets | 1.4465% | 2,083 |
| Net interest margin | 2.2060% | 4,313 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.0344% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1579% | 4,206 |
| Return on assets (ROA) | 0.1579% | 4,230 |
| Pretax return on assets | 0.1986% | 4,198 |
| Return on Equity (ROE) | 1.2400% | 4,234 |
| Retained earnings to average equity (ytd only) | 1.2380% | 3,774 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 91.1072% | 383 |
| Assets per employee ($millions) | 7.4228% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5752% | 4,275 |
| Loan loss allowance to noncurrent loans | 183.4862% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 2,177 |
| Noncurrent loans to loans | 0.3135% | 2,068 |
| Net loans and leases to total assets | 66.5400% | 2,195 |
| Net loans and leases to deposits | 81.2813% | 2,008 |
| Net loans and leases to core deposits | 84.3975% | 2,426 |
| Total domestic deposits to total assets | 81.8600% | 3,151 |
| Equity capital to assets | 12.7263% | 934 |
| Core capital (leverage) ratio | 14.2056% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4120% | 197 |
| Memoranda: | ||
| Average total assets | $100,719,200 | 3,831 |
| Average earning assets | $96,647,000 | 3,778 |
| Average equity | $12,843,000 | 3,445 |
| Average total loans | $67,218,600 | 3,589 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 4,313 |
| Cost of funding earning assets | 1.3327% | 2,052 |
| Net interest margin | 2.2559% | 4,323 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.0241% | 3,531 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.1989% | 4,228 |
| Return on assets (ROA) | 0.1989% | 4,244 |
| Pretax return on assets | 0.2523% | 4,202 |
| Return on Equity (ROE) | 1.5700% | 4,255 |
| Retained earnings to average equity (ytd only) | 1.5657% | 3,826 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.6032% | 425 |
| Assets per employee ($millions) | 6.6995% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7457% | 4,077 |
| Loan loss allowance to noncurrent loans | 352.4138% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 2,609 |
| Noncurrent loans to loans | 0.2116% | 2,503 |
| Net loans and leases to total assets | 67.6800% | 2,082 |
| Net loans and leases to deposits | 82.4691% | 1,870 |
| Net loans and leases to core deposits | 85.7298% | 2,203 |
| Total domestic deposits to total assets | 82.0700% | 3,195 |
| Equity capital to assets | 12.3194% | 964 |
| Core capital (leverage) ratio | 14.2806% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0733% | 218 |
| Memoranda: | ||
| Average total assets | $99,859,750 | 3,847 |
| Average earning assets | $95,745,500 | 3,803 |
| Average equity | $12,688,000 | 3,453 |
| Average total loans | $66,636,750 | 3,611 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5095% | 4,332 |
| Cost of funding earning assets | 1.1929% | 2,018 |
| Net interest margin | 2.3167% | 4,353 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.0331% | 3,513 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.2168% | 4,258 |
| Return on assets (ROA) | 0.2168% | 4,283 |
| Pretax return on assets | 0.2689% | 4,258 |
| Return on Equity (ROE) | 1.6900% | 4,304 |
| Retained earnings to average equity (ytd only) | 1.6887% | 3,785 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.8578% | 428 |
| Assets per employee ($millions) | 6.6705% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 4,101 |
| Loan loss allowance to noncurrent loans | 158.8785% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 1,462 |
| Noncurrent loans to loans | 0.4728% | 1,528 |
| Net loans and leases to total assets | 67.3400% | 2,028 |
| Net loans and leases to deposits | 82.6073% | 1,789 |
| Net loans and leases to core deposits | 85.9061% | 2,081 |
| Total domestic deposits to total assets | 81.5200% | 3,331 |
| Equity capital to assets | 12.7207% | 881 |
| Core capital (leverage) ratio | 14.3636% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2837% | 203 |
| Memoranda: | ||
| Average total assets | $99,649,000 | 3,862 |
| Average earning assets | $95,569,000 | 3,820 |
| Average equity | $12,790,667 | 3,458 |
| Average total loans | $66,006,000 | 3,623 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4215% | 4,355 |
| Cost of funding earning assets | 1.0357% | 1,929 |
| Net interest margin | 2.3858% | 4,390 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 2.0152% | 3,593 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.2373% | 4,320 |
| Return on assets (ROA) | 0.2373% | 4,285 |
| Pretax return on assets | 0.3298% | 4,236 |
| Return on Equity (ROE) | 1.8400% | 4,321 |
| Retained earnings to average equity (ytd only) | 1.8406% | 3,725 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.0594% | 544 |
| Assets per employee ($millions) | 7.0844% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 4,111 |
| Loan loss allowance to noncurrent loans | 325.4777% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 2,395 |
| Noncurrent loans to loans | 0.2418% | 2,290 |
| Net loans and leases to total assets | 64.9500% | 2,158 |
| Net loans and leases to deposits | 78.1206% | 1,963 |
| Net loans and leases to core deposits | 80.5791% | 2,210 |
| Total domestic deposits to total assets | 83.1400% | 3,269 |
| Equity capital to assets | 13.0257% | 754 |
| Core capital (leverage) ratio | 14.2798% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5810% | 198 |
| Memoranda: | ||
| Average total assets | $99,445,000 | 3,915 |
| Average earning assets | $95,397,000 | 3,868 |
| Average equity | $12,822,000 | 3,498 |
| Average total loans | $65,065,500 | 3,675 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1141% | 3,967 |
| Cost of funding earning assets | 0.4441% | 1,758 |
| Net interest margin | 2.6700% | 4,091 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.8934% | 3,840 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.5153% | 4,067 |
| Return on assets (ROA) | 0.5153% | 4,021 |
| Pretax return on assets | 0.7430% | 3,758 |
| Return on Equity (ROE) | 4.0200% | 4,160 |
| Retained earnings to average equity (ytd only) | 4.0183% | 3,390 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.0911% | 1,552 |
| Assets per employee ($millions) | 7.1221% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4632% | 4,470 |
| Loan loss allowance to noncurrent loans | 137.8995% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 2,060 |
| Noncurrent loans to loans | 0.3359% | 1,947 |
| Net loans and leases to total assets | 65.0900% | 2,130 |
| Net loans and leases to deposits | 79.5126% | 1,809 |
| Net loans and leases to core deposits | 82.0364% | 2,004 |
| Total domestic deposits to total assets | 81.8600% | 3,647 |
| Equity capital to assets | 12.7621% | 751 |
| Core capital (leverage) ratio | 14.3902% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0176% | 194 |
| Memoranda: | ||
| Average total assets | $100,139,000 | 3,928 |
| Average earning assets | $96,368,600 | 3,872 |
| Average equity | $12,841,200 | 3,587 |
| Average total loans | $63,307,000 | 3,677 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0476% | 3,798 |
| Cost of funding earning assets | 0.3521% | 1,683 |
| Net interest margin | 2.6955% | 3,939 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.8713% | 3,814 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5506% | 3,974 |
| Return on assets (ROA) | 0.5506% | 3,911 |
| Pretax return on assets | 0.7954% | 3,588 |
| Return on Equity (ROE) | 4.2900% | 4,104 |
| Retained earnings to average equity (ytd only) | 4.2889% | 3,351 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.4815% | 1,823 |
| Assets per employee ($millions) | 6.6469% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4512% | 4,513 |
| Loan loss allowance to noncurrent loans | 135.3211% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 2,145 |
| Noncurrent loans to loans | 0.3334% | 2,032 |
| Net loans and leases to total assets | 65.2800% | 1,952 |
| Net loans and leases to deposits | 77.8425% | 1,726 |
| Net loans and leases to core deposits | 80.2684% | 1,880 |
| Total domestic deposits to total assets | 83.8600% | 3,531 |
| Equity capital to assets | 12.1871% | 844 |
| Core capital (leverage) ratio | 14.3118% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6800% | 202 |
| Memoranda: | ||
| Average total assets | $100,246,500 | 3,950 |
| Average earning assets | $96,554,750 | 3,894 |
| Average equity | $12,870,250 | 3,622 |
| Average total loans | $62,833,500 | 3,705 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9793% | 3,608 |
| Cost of funding earning assets | 0.3283% | 1,453 |
| Net interest margin | 2.6511% | 3,813 |
| Noninterest income to average assets | 0.0856% | 4,539 |
| Noninterest expense to average assets | 1.8541% | 3,827 |
| Loan and lease loss provision to assets | 0.0279% | 2,089 |
| Net operating income to assets | 0.5437% | 3,784 |
| Return on assets (ROA) | 0.5437% | 3,737 |
| Pretax return on assets | 0.7607% | 3,424 |
| Return on Equity (ROE) | 4.1648% | 3,993 |
| Retained earnings to average equity (ytd only) | 4.1648% | 3,023 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1583% | 1,937 |
| Assets per employee ($millions) | 6.6011% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4515% | 4,588 |
| Loan loss allowance to noncurrent loans | 190.7285% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 2,650 |
| Noncurrent loans to loans | 0.2367% | 2,530 |
| Net loans and leases to total assets | 64.1371% | 1,899 |
| Net loans and leases to deposits | 74.1338% | 1,858 |
| Net loans and leases to core deposits | 75.8861% | 2,027 |
| Total domestic deposits to total assets | 86.5153% | 3,104 |
| Equity capital to assets | 12.7707% | 704 |
| Core capital (leverage) ratio | 14.0417% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9624% | 170 |
| Memoranda: | ||
| Average total assets | $100,427,333 | 3,987 |
| Average earning assets | $96,867,000 | 3,945 |
| Average equity | $13,110,000 | 3,671 |
| Average total loans | $61,983,667 | 3,756 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8842% | 3,571 |
| Cost of funding earning assets | 0.3237% | 1,426 |
| Net interest margin | 2.5605% | 3,754 |
| Noninterest income to average assets | 0.0751% | 4,591 |
| Noninterest expense to average assets | 1.8392% | 3,841 |
| Loan and lease loss provision to assets | 0.0277% | 1,870 |
| Net operating income to assets | 0.4707% | 3,787 |
| Return on assets (ROA) | 0.4707% | 3,752 |
| Pretax return on assets | 0.6803% | 3,445 |
| Return on Equity (ROE) | 3.5675% | 3,977 |
| Retained earnings to average equity (ytd only) | 3.5675% | 3,089 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2050% | 1,950 |
| Assets per employee ($millions) | 7.2651% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4624% | 4,616 |
| Loan loss allowance to noncurrent loans | 184.3137% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 2,745 |
| Noncurrent loans to loans | 0.2509% | 2,587 |
| Net loans and leases to total assets | 59.6842% | 2,094 |
| Net loans and leases to deposits | 68.5959% | 2,088 |
| Net loans and leases to core deposits | 70.2429% | 2,276 |
| Total domestic deposits to total assets | 87.0084% | 2,924 |
| Equity capital to assets | 12.6583% | 768 |
| Core capital (leverage) ratio | 13.4894% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8684% | 160 |
| Memoranda: | ||
| Average total assets | $101,133,000 | 3,993 |
| Average earning assets | $97,635,500 | 3,952 |
| Average equity | $13,342,500 | 3,725 |
| Average total loans | $61,078,500 | 3,777 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1458% | 3,596 |
| Cost of funding earning assets | 0.3867% | 1,637 |
| Net interest margin | 2.7592% | 3,758 |
| Noninterest income to average assets | 0.0604% | 4,705 |
| Noninterest expense to average assets | 1.9414% | 3,831 |
| Loan and lease loss provision to assets | 0.0250% | 2,565 |
| Net operating income to assets | 0.5382% | 4,004 |
| Return on assets (ROA) | 0.5382% | 4,057 |
| Pretax return on assets | 0.7755% | 3,776 |
| Return on Equity (ROE) | 3.7855% | 4,248 |
| Retained earnings to average equity (ytd only) | 3.7855% | 3,299 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8049% | 1,643 |
| Assets per employee ($millions) | 7.1824% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4496% | 4,662 |
| Loan loss allowance to noncurrent loans | 178.5714% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 2,870 |
| Noncurrent loans to loans | 0.2518% | 2,719 |
| Net loans and leases to total assets | 60.5585% | 2,098 |
| Net loans and leases to deposits | 70.6058% | 2,062 |
| Net loans and leases to core deposits | 71.7066% | 2,286 |
| Total domestic deposits to total assets | 85.7698% | 2,984 |
| Equity capital to assets | 13.7339% | 718 |
| Core capital (leverage) ratio | 14.1287% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8283% | 168 |
| Memoranda: | ||
| Average total assets | $96,066,200 | 4,031 |
| Average earning assets | $93,361,200 | 3,983 |
| Average equity | $13,657,400 | 3,773 |
| Average total loans | $58,592,400 | 3,838 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2298% | 3,548 |
| Cost of funding earning assets | 0.4025% | 1,678 |
| Net interest margin | 2.8273% | 3,711 |
| Noninterest income to average assets | 0.0576% | 4,788 |
| Noninterest expense to average assets | 1.9351% | 3,847 |
| Loan and lease loss provision to assets | 0.0253% | 2,491 |
| Net operating income to assets | 0.5884% | 4,020 |
| Return on assets (ROA) | 0.5884% | 4,068 |
| Pretax return on assets | 0.8496% | 3,799 |
| Return on Equity (ROE) | 4.1019% | 4,285 |
| Retained earnings to average equity (ytd only) | 4.1019% | 3,546 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8656% | 1,718 |
| Assets per employee ($millions) | 6.4891% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4483% | 4,744 |
| Loan loss allowance to noncurrent loans | 173.5484% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 3,054 |
| Noncurrent loans to loans | 0.2583% | 2,897 |
| Net loans and leases to total assets | 61.3648% | 2,097 |
| Net loans and leases to deposits | 72.0481% | 2,048 |
| Net loans and leases to core deposits | 72.7705% | 2,343 |
| Total domestic deposits to total assets | 85.1720% | 3,058 |
| Equity capital to assets | 14.1130% | 710 |
| Core capital (leverage) ratio | 13.9466% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0187% | 157 |
| Memoranda: | ||
| Average total assets | $94,944,250 | 4,095 |
| Average earning assets | $92,428,500 | 4,039 |
| Average equity | $13,619,250 | 3,825 |
| Average total loans | $57,948,250 | 3,906 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3422% | 3,331 |
| Cost of funding earning assets | 0.4230% | 1,717 |
| Net interest margin | 2.9193% | 3,533 |
| Noninterest income to average assets | 0.0446% | 4,849 |
| Noninterest expense to average assets | 1.9183% | 3,922 |
| Loan and lease loss provision to assets | 0.0255% | 2,464 |
| Net operating income to assets | 0.6543% | 3,866 |
| Return on assets (ROA) | 0.6543% | 3,926 |
| Pretax return on assets | 0.9453% | 3,556 |
| Return on Equity (ROE) | 4.5361% | 4,227 |
| Retained earnings to average equity (ytd only) | 4.5361% | 3,348 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3971% | 2,096 |
| Assets per employee ($millions) | 6.4669% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4538% | 4,770 |
| Loan loss allowance to noncurrent loans | 168.5897% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 3,188 |
| Noncurrent loans to loans | 0.2692% | 2,975 |
| Net loans and leases to total assets | 59.4790% | 2,483 |
| Net loans and leases to deposits | 69.9061% | 2,418 |
| Net loans and leases to core deposits | 70.1765% | 2,763 |
| Total domestic deposits to total assets | 85.0841% | 3,056 |
| Equity capital to assets | 14.1334% | 691 |
| Core capital (leverage) ratio | 14.0710% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.6588% | 159 |
| Memoranda: | ||
| Average total assets | $94,147,000 | 4,126 |
| Average earning assets | $91,735,667 | 4,068 |
| Average equity | $13,580,000 | 3,834 |
| Average total loans | $57,264,667 | 3,947 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4126% | 3,156 |
| Cost of funding earning assets | 0.4603% | 1,649 |
| Net interest margin | 2.9523% | 3,379 |
| Noninterest income to average assets | 0.0302% | 4,890 |
| Noninterest expense to average assets | 1.9025% | 3,979 |
| Loan and lease loss provision to assets | 0.0259% | 2,441 |
| Net operating income to assets | 0.6773% | 3,761 |
| Return on assets (ROA) | 0.6773% | 3,828 |
| Pretax return on assets | 0.9793% | 3,429 |
| Return on Equity (ROE) | 4.6467% | 4,162 |
| Retained earnings to average equity (ytd only) | 4.6467% | 3,329 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4303% | 2,309 |
| Assets per employee ($millions) | 6.7941% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4523% | 4,801 |
| Loan loss allowance to noncurrent loans | 118.9815% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 3,014 |
| Noncurrent loans to loans | 0.3801% | 2,731 |
| Net loans and leases to total assets | 59.4731% | 2,606 |
| Net loans and leases to deposits | 69.9039% | 2,516 |
| Net loans and leases to core deposits | 70.5006% | 2,829 |
| Total domestic deposits to total assets | 85.0784% | 3,064 |
| Equity capital to assets | 14.1962% | 629 |
| Core capital (leverage) ratio | 14.4290% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.8755% | 163 |
| Memoranda: | ||
| Average total assets | $92,718,500 | 4,154 |
| Average earning assets | $90,371,000 | 4,095 |
| Average equity | $13,515,000 | 3,844 |
| Average total loans | $56,917,000 | 3,971 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 3,429 |
| Cost of funding earning assets | 0.6494% | 1,994 |
| Net interest margin | 3.1056% | 3,616 |
| Noninterest income to average assets | 0.0444% | 4,872 |
| Noninterest expense to average assets | 2.1273% | 3,881 |
| Loan and lease loss provision to assets | 0.0240% | 4,098 |
| Net operating income to assets | 0.6463% | 3,607 |
| Return on assets (ROA) | 0.6463% | 3,733 |
| Pretax return on assets | 0.9321% | 3,275 |
| Return on Equity (ROE) | 4.0859% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.0859% | 2,769 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9910% | 2,096 |
| Assets per employee ($millions) | 6.4514% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4403% | 4,830 |
| Loan loss allowance to noncurrent loans | 115.1376% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 3,080 |
| Noncurrent loans to loans | 0.3824% | 2,837 |
| Net loans and leases to total assets | 62.8399% | 2,503 |
| Net loans and leases to deposits | 74.5312% | 2,435 |
| Net loans and leases to core deposits | 75.2067% | 2,799 |
| Total domestic deposits to total assets | 84.3136% | 3,010 |
| Equity capital to assets | 14.9767% | 578 |
| Core capital (leverage) ratio | 14.9842% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.1662% | 151 |
| Memoranda: | ||
| Average total assets | $83,249,200 | 4,205 |
| Average earning assets | $81,465,400 | 4,143 |
| Average equity | $13,167,200 | 3,848 |
| Average total loans | $56,386,400 | 3,973 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8510% | 3,412 |
| Cost of funding earning assets | 0.6886% | 2,097 |
| Net interest margin | 3.1624% | 3,585 |
| Noninterest income to average assets | 0.0458% | 4,898 |
| Noninterest expense to average assets | 2.1076% | 3,926 |
| Loan and lease loss provision to assets | 0.0245% | 4,029 |
| Net operating income to assets | 0.6987% | 3,464 |
| Return on assets (ROA) | 0.6987% | 3,562 |
| Pretax return on assets | 1.0096% | 3,035 |
| Return on Equity (ROE) | 4.3535% | 4,080 |
| Retained earnings to average equity (ytd only) | 4.3535% | 2,872 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0833% | 2,302 |
| Assets per employee ($millions) | 5.7473% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4382% | 4,862 |
| Loan loss allowance to noncurrent loans | 112.3288% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 3,161 |
| Noncurrent loans to loans | 0.3901% | 2,895 |
| Net loans and leases to total assets | 64.8324% | 2,655 |
| Net loans and leases to deposits | 77.4642% | 2,593 |
| Net loans and leases to core deposits | 78.2045% | 2,989 |
| Total domestic deposits to total assets | 83.6933% | 2,931 |
| Equity capital to assets | 15.5284% | 538 |
| Core capital (leverage) ratio | 15.4804% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.8375% | 146 |
| Memoranda: | ||
| Average total assets | $81,481,500 | 4,238 |
| Average earning assets | $79,769,000 | 4,170 |
| Average equity | $13,077,250 | 3,860 |
| Average total loans | $56,231,000 | 3,997 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9274% | 3,547 |
| Cost of funding earning assets | 0.7343% | 2,210 |
| Net interest margin | 3.1931% | 3,687 |
| Noninterest income to average assets | 0.0350% | 4,945 |
| Noninterest expense to average assets | 2.1400% | 3,950 |
| Loan and lease loss provision to assets | 0.0250% | 3,941 |
| Net operating income to assets | 0.6883% | 3,431 |
| Return on assets (ROA) | 0.6883% | 3,531 |
| Pretax return on assets | 0.9937% | 3,051 |
| Return on Equity (ROE) | 4.2392% | 4,041 |
| Retained earnings to average equity (ytd only) | 4.2392% | 2,803 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7496% | 2,272 |
| Assets per employee ($millions) | 5.4770% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4249% | 4,893 |
| Loan loss allowance to noncurrent loans | 109.0498% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 3,242 |
| Noncurrent loans to loans | 0.3896% | 3,009 |
| Net loans and leases to total assets | 68.7444% | 2,225 |
| Net loans and leases to deposits | 82.6799% | 2,125 |
| Net loans and leases to core deposits | 83.0630% | 2,685 |
| Total domestic deposits to total assets | 83.1453% | 3,044 |
| Equity capital to assets | 16.0903% | 464 |
| Core capital (leverage) ratio | 15.8731% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8668% | 151 |
| Memoranda: | ||
| Average total assets | $79,905,333 | 4,254 |
| Average earning assets | $78,168,667 | 4,195 |
| Average equity | $12,974,000 | 3,873 |
| Average total loans | $56,262,000 | 4,014 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 3,996 |
| Cost of funding earning assets | 0.7726% | 2,531 |
| Net interest margin | 3.1473% | 3,991 |
| Noninterest income to average assets | 0.0457% | 4,982 |
| Noninterest expense to average assets | 2.1833% | 4,050 |
| Loan and lease loss provision to assets | 0.0254% | 3,479 |
| Net operating income to assets | 0.6347% | 3,492 |
| Return on assets (ROA) | 0.6347% | 3,554 |
| Pretax return on assets | 0.9190% | 3,082 |
| Return on Equity (ROE) | 3.8906% | 3,980 |
| Retained earnings to average equity (ytd only) | 3.8906% | 2,720 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8052% | 2,388 |
| Assets per employee ($millions) | 5.3283% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4217% | 4,934 |
| Loan loss allowance to noncurrent loans | 82.8070% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 3,009 |
| Noncurrent loans to loans | 0.5092% | 2,745 |
| Net loans and leases to total assets | 69.7291% | 2,290 |
| Net loans and leases to deposits | 84.8355% | 2,126 |
| Net loans and leases to core deposits | 85.2430% | 2,738 |
| Total domestic deposits to total assets | 82.1933% | 3,360 |
| Equity capital to assets | 16.1501% | 560 |
| Core capital (leverage) ratio | 16.1455% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.1594% | 156 |
| Memoranda: | ||
| Average total assets | $78,780,500 | 4,280 |
| Average earning assets | $77,146,500 | 4,213 |
| Average equity | $12,851,500 | 3,892 |
| Average total loans | $56,034,000 | 4,031 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 4,387 |
| Cost of funding earning assets | 0.7127% | 3,103 |
| Net interest margin | 3.2107% | 4,164 |
| Noninterest income to average assets | 0.0652% | 5,001 |
| Noninterest expense to average assets | 2.1400% | 4,289 |
| Loan and lease loss provision to assets | 0.0261% | 3,494 |
| Net operating income to assets | 0.7229% | 3,790 |
| Return on assets (ROA) | 0.7229% | 3,860 |
| Pretax return on assets | 1.0439% | 3,351 |
| Return on Equity (ROE) | 4.4494% | 4,357 |
| Retained earnings to average equity (ytd only) | 4.4494% | 2,733 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,668 |
| Assets per employee ($millions) | 5.1757% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4118% | 4,983 |
| Loan loss allowance to noncurrent loans | 141.7178% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 3,626 |
| Noncurrent loans to loans | 0.2905% | 3,390 |
| Net loans and leases to total assets | 71.9640% | 2,094 |
| Net loans and leases to deposits | 88.9381% | 1,708 |
| Net loans and leases to core deposits | 89.3834% | 2,477 |
| Total domestic deposits to total assets | 80.9148% | 3,786 |
| Equity capital to assets | 16.4808% | 530 |
| Core capital (leverage) ratio | 16.3429% | 482 |
| Tier 1 risk-based capital ratio | 38.5525% | 266 |
| Total risk-based capital ratio | 39.2532% | 269 |
| Memoranda: | ||
| Average total assets | $76,634,200 | 4,341 |
| Average earning assets | $75,062,600 | 4,268 |
| Average equity | $12,451,200 | 3,944 |
| Average total loans | $54,365,000 | 4,095 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8931% | 4,553 |
| Cost of funding earning assets | 0.6877% | 3,271 |
| Net interest margin | 3.2053% | 4,288 |
| Noninterest income to average assets | 0.0646% | 5,080 |
| Noninterest expense to average assets | 2.0562% | 4,438 |
| Loan and lease loss provision to assets | 0.0262% | 3,372 |
| Net operating income to assets | 0.7768% | 3,751 |
| Return on assets (ROA) | 0.7768% | 3,820 |
| Pretax return on assets | 1.1224% | 3,231 |
| Return on Equity (ROE) | 4.7983% | 4,382 |
| Retained earnings to average equity (ytd only) | 4.7983% | 2,990 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1612% | 2,982 |
| Assets per employee ($millions) | 5.5531% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4131% | 5,052 |
| Loan loss allowance to noncurrent loans | 108.6538% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 3,480 |
| Noncurrent loans to loans | 0.3802% | 3,191 |
| Net loans and leases to total assets | 70.0796% | 2,457 |
| Net loans and leases to deposits | 86.4204% | 2,144 |
| Net loans and leases to core deposits | 87.3179% | 2,799 |
| Total domestic deposits to total assets | 81.0915% | 3,727 |
| Equity capital to assets | 16.2986% | 587 |
| Core capital (leverage) ratio | 16.3722% | 514 |
| Tier 1 risk-based capital ratio | 38.8980% | 267 |
| Total risk-based capital ratio | 39.5956% | 270 |
| Memoranda: | ||
| Average total assets | $76,383,750 | 4,397 |
| Average earning assets | $74,832,000 | 4,327 |
| Average equity | $12,365,250 | 3,989 |
| Average total loans | $53,931,000 | 4,150 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8676% | 4,609 |
| Cost of funding earning assets | 0.6509% | 3,403 |
| Net interest margin | 3.2167% | 4,329 |
| Noninterest income to average assets | 0.0474% | 5,172 |
| Noninterest expense to average assets | 2.0361% | 4,543 |
| Loan and lease loss provision to assets | 0.0263% | 3,294 |
| Net operating income to assets | 0.7849% | 3,710 |
| Return on assets (ROA) | 0.7849% | 3,768 |
| Pretax return on assets | 1.1352% | 3,137 |
| Return on Equity (ROE) | 4.8600% | 4,373 |
| Retained earnings to average equity (ytd only) | 4.8600% | 2,834 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6738% | 3,185 |
| Assets per employee ($millions) | 5.9049% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4067% | 5,100 |
| Loan loss allowance to noncurrent loans | 105.2381% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 3,467 |
| Noncurrent loans to loans | 0.3865% | 3,144 |
| Net loans and leases to total assets | 70.5005% | 2,457 |
| Net loans and leases to deposits | 86.9899% | 2,129 |
| Net loans and leases to core deposits | 87.8998% | 2,807 |
| Total domestic deposits to total assets | 81.0445% | 3,795 |
| Equity capital to assets | 16.2811% | 569 |
| Core capital (leverage) ratio | 16.3739% | 499 |
| Tier 1 risk-based capital ratio | 39.1143% | 248 |
| Total risk-based capital ratio | 39.8084% | 254 |
| Memoranda: | ||
| Average total assets | $75,930,670 | 4,438 |
| Average earning assets | $74,361,670 | 4,368 |
| Average equity | $12,263,330 | 4,010 |
| Average total loans | $53,672,000 | 4,184 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8083% | 4,698 |
| Cost of funding earning assets | 0.6275% | 3,423 |
| Net interest margin | 3.1808% | 4,427 |
| Noninterest income to average assets | 0.0424% | 5,229 |
| Noninterest expense to average assets | 2.0658% | 4,521 |
| Loan and lease loss provision to assets | 0.0265% | 3,079 |
| Net operating income to assets | 0.7363% | 3,817 |
| Return on assets (ROA) | 0.7363% | 3,870 |
| Pretax return on assets | 1.0647% | 3,257 |
| Return on Equity (ROE) | 4.5776% | 4,450 |
| Retained earnings to average equity (ytd only) | 4.5776% | 3,093 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4362% | 3,018 |
| Assets per employee ($millions) | 5.8471% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4052% | 5,170 |
| Loan loss allowance to noncurrent loans | 91.9149% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 3,372 |
| Noncurrent loans to loans | 0.4409% | 2,999 |
| Net loans and leases to total assets | 69.8442% | 2,509 |
| Net loans and leases to deposits | 83.9766% | 2,388 |
| Net loans and leases to core deposits | 84.8381% | 2,961 |
| Total domestic deposits to total assets | 83.1711% | 3,324 |
| Equity capital to assets | 16.1343% | 554 |
| Core capital (leverage) ratio | 16.2925% | 499 |
| Tier 1 risk-based capital ratio | 38.8210% | 250 |
| Total risk-based capital ratio | 39.5030% | 251 |
| Memoranda: | ||
| Average total assets | $75,514,000 | 4,494 |
| Average earning assets | $73,943,500 | 4,419 |
| Average equity | $12,146,000 | 4,042 |
| Average total loans | $53,338,000 | 4,233 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 4,626 |
| Cost of funding earning assets | 0.5304% | 3,180 |
| Net interest margin | 3.1972% | 4,492 |
| Noninterest income to average assets | 0.0749% | 5,218 |
| Noninterest expense to average assets | 2.0832% | 4,603 |
| Loan and lease loss provision to assets | 0.0214% | 3,734 |
| Net operating income to assets | 0.9614% | 3,173 |
| Return on assets (ROA) | 0.9614% | 3,173 |
| Pretax return on assets | 1.1058% | 3,243 |
| Return on Equity (ROE) | 6.1706% | 4,123 |
| Retained earnings to average equity (ytd only) | 6.1706% | 2,106 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8896% | 3,046 |
| Assets per employee ($millions) | 5.7705% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3954% | 5,219 |
| Loan loss allowance to noncurrent loans | 89.0295% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 3,290 |
| Noncurrent loans to loans | 0.4441% | 2,947 |
| Net loans and leases to total assets | 70.8635% | 2,438 |
| Net loans and leases to deposits | 85.3727% | 2,362 |
| Net loans and leases to core deposits | 86.2565% | 2,895 |
| Total domestic deposits to total assets | 83.0050% | 3,329 |
| Equity capital to assets | 16.0339% | 529 |
| Core capital (leverage) ratio | 16.3028% | 479 |
| Tier 1 risk-based capital ratio | 38.8321% | 249 |
| Total risk-based capital ratio | 39.5061% | 253 |
| Memoranda: | ||
| Average total assets | $74,787,000 | 4,516 |
| Average earning assets | $73,345,400 | 4,432 |
| Average equity | $11,652,000 | 4,069 |
| Average total loans | $50,787,400 | 4,301 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6840% | 4,679 |
| Cost of funding earning assets | 0.5110% | 3,121 |
| Net interest margin | 3.1731% | 4,567 |
| Noninterest income to average assets | 0.0732% | 5,287 |
| Noninterest expense to average assets | 2.0304% | 4,685 |
| Loan and lease loss provision to assets | 0.0214% | 3,588 |
| Net operating income to assets | 0.9902% | 3,126 |
| Return on assets (ROA) | 0.9902% | 3,135 |
| Pretax return on assets | 1.1347% | 3,263 |
| Return on Equity (ROE) | 6.4023% | 4,142 |
| Retained earnings to average equity (ytd only) | 6.4023% | 2,434 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7178% | 3,233 |
| Assets per employee ($millions) | 5.7528% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4007% | 5,283 |
| Loan loss allowance to noncurrent loans | 89.6104% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 3,459 |
| Noncurrent loans to loans | 0.4471% | 3,050 |
| Net loans and leases to total assets | 68.8021% | 2,821 |
| Net loans and leases to deposits | 82.3939% | 2,774 |
| Net loans and leases to core deposits | 83.5892% | 3,188 |
| Total domestic deposits to total assets | 83.5038% | 3,119 |
| Equity capital to assets | 15.7661% | 574 |
| Core capital (leverage) ratio | 16.0385% | 510 |
| Tier 1 risk-based capital ratio | 38.5211% | 253 |
| Total risk-based capital ratio | 39.1860% | 256 |
| Memoranda: | ||
| Average total assets | $74,729,750 | 4,566 |
| Average earning assets | $73,323,750 | 4,477 |
| Average equity | $11,558,000 | 4,119 |
| Average total loans | $50,141,750 | 4,359 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6270% | 4,722 |
| Cost of funding earning assets | 0.4909% | 3,077 |
| Net interest margin | 3.1361% | 4,649 |
| Noninterest income to average assets | 0.0723% | 5,346 |
| Noninterest expense to average assets | 2.0372% | 4,725 |
| Loan and lease loss provision to assets | 0.0214% | 3,482 |
| Net operating income to assets | 0.9369% | 3,296 |
| Return on assets (ROA) | 0.9369% | 3,301 |
| Pretax return on assets | 1.0922% | 3,346 |
| Return on Equity (ROE) | 6.0974% | 4,192 |
| Retained earnings to average equity (ytd only) | 6.0974% | 2,496 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6559% | 3,223 |
| Assets per employee ($millions) | 5.7725% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3994% | 5,354 |
| Loan loss allowance to noncurrent loans | 87.1245% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 3,526 |
| Noncurrent loans to loans | 0.4584% | 3,059 |
| Net loans and leases to total assets | 67.4569% | 2,952 |
| Net loans and leases to deposits | 80.4875% | 2,895 |
| Net loans and leases to core deposits | 81.6415% | 3,274 |
| Total domestic deposits to total assets | 83.8104% | 3,127 |
| Equity capital to assets | 15.4940% | 594 |
| Core capital (leverage) ratio | 15.8140% | 532 |
| Tier 1 risk-based capital ratio | 38.5536% | 255 |
| Total risk-based capital ratio | 39.2176% | 259 |
| Memoranda: | ||
| Average total assets | $74,710,670 | 4,613 |
| Average earning assets | $73,339,330 | 4,517 |
| Average equity | $11,480,330 | 4,161 |
| Average total loans | $49,635,000 | 4,411 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5229% | 4,840 |
| Cost of funding earning assets | 0.4697% | 3,045 |
| Net interest margin | 3.0531% | 4,790 |
| Noninterest income to average assets | 0.0644% | 5,440 |
| Noninterest expense to average assets | 2.0176% | 4,818 |
| Loan and lease loss provision to assets | 0.0215% | 3,255 |
| Net operating income to assets | 0.8210% | 3,625 |
| Return on assets (ROA) | 0.8210% | 3,635 |
| Pretax return on assets | 1.0249% | 3,450 |
| Return on Equity (ROE) | 5.3651% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.3651% | 3,007 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8494% | 3,193 |
| Assets per employee ($millions) | 6.2315% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4053% | 5,426 |
| Loan loss allowance to noncurrent loans | 91.7051% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 3,696 |
| Noncurrent loans to loans | 0.4420% | 3,207 |
| Net loans and leases to total assets | 65.3882% | 3,129 |
| Net loans and leases to deposits | 77.7497% | 3,046 |
| Net loans and leases to core deposits | 78.8594% | 3,419 |
| Total domestic deposits to total assets | 84.1009% | 3,285 |
| Equity capital to assets | 15.2759% | 612 |
| Core capital (leverage) ratio | 15.7182% | 531 |
| Tier 1 risk-based capital ratio | 39.5347% | 229 |
| Total risk-based capital ratio | 40.2135% | 239 |
| Memoranda: | ||
| Average total assets | $74,545,000 | 4,665 |
| Average earning assets | $73,236,000 | 4,566 |
| Average equity | $11,407,000 | 4,206 |
| Average total loans | $49,040,500 | 4,469 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4559% | 4,852 |
| Cost of funding earning assets | 0.4322% | 2,938 |
| Net interest margin | 3.0237% | 4,831 |
| Noninterest income to average assets | 0.0785% | 5,466 |
| Noninterest expense to average assets | 1.8919% | 5,126 |
| Loan and lease loss provision to assets | 0.0213% | 3,875 |
| Net operating income to assets | 0.6991% | 3,610 |
| Return on assets (ROA) | 0.5867% | 4,109 |
| Pretax return on assets | 0.9593% | 3,704 |
| Return on Equity (ROE) | 3.9462% | 4,513 |
| Retained earnings to average equity (ytd only) | 3.9462% | 2,828 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0690% | 3,926 |
| Assets per employee ($millions) | 6.7556% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3981% | 5,488 |
| Loan loss allowance to noncurrent loans | 133.5616% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 4,155 |
| Noncurrent loans to loans | 0.2980% | 3,712 |
| Net loans and leases to total assets | 65.6570% | 3,143 |
| Net loans and leases to deposits | 78.0394% | 3,107 |
| Net loans and leases to core deposits | 78.8350% | 3,514 |
| Total domestic deposits to total assets | 84.1331% | 3,156 |
| Equity capital to assets | 15.3286% | 620 |
| Core capital (leverage) ratio | 15.3922% | 558 |
| Tier 1 risk-based capital ratio | 39.0328% | 234 |
| Total risk-based capital ratio | 39.6983% | 238 |
| Memoranda: | ||
| Average total assets | $75,161,200 | 4,688 |
| Average earning assets | $73,816,400 | 4,585 |
| Average equity | $11,175,400 | 4,271 |
| Average total loans | $48,283,800 | 4,507 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4259% | 4,928 |
| Cost of funding earning assets | 0.4251% | 2,924 |
| Net interest margin | 3.0008% | 4,915 |
| Noninterest income to average assets | 0.0796% | 5,533 |
| Noninterest expense to average assets | 1.8644% | 5,183 |
| Loan and lease loss provision to assets | 0.0212% | 3,725 |
| Net operating income to assets | 0.6899% | 4,027 |
| Return on assets (ROA) | 0.6899% | 4,097 |
| Pretax return on assets | 1.1410% | 3,155 |
| Return on Equity (ROE) | 4.6755% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.6755% | 3,094 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6014% | 3,936 |
| Assets per employee ($millions) | 6.2249% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3962% | 5,565 |
| Loan loss allowance to noncurrent loans | 129.9320% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 4,310 |
| Noncurrent loans to loans | 0.3049% | 3,848 |
| Net loans and leases to total assets | 64.2820% | 3,350 |
| Net loans and leases to deposits | 76.3451% | 3,342 |
| Net loans and leases to core deposits | 77.1175% | 3,718 |
| Total domestic deposits to total assets | 84.1993% | 3,044 |
| Equity capital to assets | 15.1622% | 697 |
| Core capital (leverage) ratio | 14.9867% | 666 |
| Tier 1 risk-based capital ratio | 38.8425% | 236 |
| Total risk-based capital ratio | 39.4982% | 247 |
| Memoranda: | ||
| Average total assets | $75,373,500 | 4,729 |
| Average earning assets | $74,022,750 | 4,627 |
| Average equity | $11,121,500 | 4,326 |
| Average total loans | $48,108,250 | 4,555 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4052% | 4,964 |
| Cost of funding earning assets | 0.4257% | 2,842 |
| Net interest margin | 2.9796% | 4,954 |
| Noninterest income to average assets | 0.0767% | 5,579 |
| Noninterest expense to average assets | 1.8466% | 5,263 |
| Loan and lease loss provision to assets | 0.0212% | 3,560 |
| Net operating income to assets | 0.6852% | 3,913 |
| Return on assets (ROA) | 0.6852% | 3,976 |
| Pretax return on assets | 1.1349% | 3,032 |
| Return on Equity (ROE) | 4.6864% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.6864% | 2,921 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4978% | 4,083 |
| Assets per employee ($millions) | 6.9702% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3890% | 5,616 |
| Loan loss allowance to noncurrent loans | 126.3514% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 4,405 |
| Noncurrent loans to loans | 0.3079% | 3,938 |
| Net loans and leases to total assets | 62.4583% | 3,579 |
| Net loans and leases to deposits | 73.6909% | 3,579 |
| Net loans and leases to core deposits | 74.4088% | 3,908 |
| Total domestic deposits to total assets | 84.7571% | 2,906 |
| Equity capital to assets | 14.6103% | 797 |
| Core capital (leverage) ratio | 14.7635% | 687 |
| Tier 1 risk-based capital ratio | 38.8125% | 228 |
| Total risk-based capital ratio | 39.4614% | 233 |
| Memoranda: | ||
| Average total assets | $75,598,330 | 4,750 |
| Average earning assets | $74,238,670 | 4,655 |
| Average equity | $11,053,330 | 4,353 |
| Average total loans | $48,074,670 | 4,578 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3850% | 4,960 |
| Cost of funding earning assets | 0.4231% | 2,786 |
| Net interest margin | 2.9619% | 4,977 |
| Noninterest income to average assets | 0.0746% | 5,660 |
| Noninterest expense to average assets | 1.8385% | 5,321 |
| Loan and lease loss provision to assets | 0.0213% | 3,306 |
| Net operating income to assets | 0.6821% | 3,779 |
| Return on assets (ROA) | 0.6821% | 3,818 |
| Pretax return on assets | 1.1244% | 2,889 |
| Return on Equity (ROE) | 4.6634% | 4,535 |
| Retained earnings to average equity (ytd only) | 4.6634% | 3,083 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6071% | 4,212 |
| Assets per employee ($millions) | 6.8964% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3823% | 5,698 |
| Loan loss allowance to noncurrent loans | 122.8188% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 4,450 |
| Noncurrent loans to loans | 0.3113% | 4,008 |
| Net loans and leases to total assets | 62.8619% | 3,417 |
| Net loans and leases to deposits | 74.2083% | 3,379 |
| Net loans and leases to core deposits | 74.5867% | 3,779 |
| Total domestic deposits to total assets | 84.7100% | 3,211 |
| Equity capital to assets | 14.5399% | 742 |
| Core capital (leverage) ratio | 14.8051% | 647 |
| Tier 1 risk-based capital ratio | 38.4054% | 247 |
| Total risk-based capital ratio | 39.0412% | 257 |
| Memoranda: | ||
| Average total assets | $75,061,500 | 4,816 |
| Average earning assets | $73,736,000 | 4,712 |
| Average equity | $10,979,000 | 4,391 |
| Average total loans | $48,074,500 | 4,622 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3814% | 5,020 |
| Cost of funding earning assets | 0.4360% | 2,647 |
| Net interest margin | 2.9454% | 5,058 |
| Noninterest income to average assets | 0.0752% | 5,711 |
| Noninterest expense to average assets | 1.8625% | 5,411 |
| Loan and lease loss provision to assets | 0.0161% | 4,052 |
| Net operating income to assets | 0.6620% | 3,944 |
| Return on assets (ROA) | 0.6620% | 4,061 |
| Pretax return on assets | 1.0904% | 3,142 |
| Return on Equity (ROE) | 4.6178% | 4,611 |
| Retained earnings to average equity (ytd only) | 4.6178% | 2,622 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7318% | 4,143 |
| Assets per employee ($millions) | 6.7512% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3708% | 5,756 |
| Loan loss allowance to noncurrent loans | 119.3333% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 4,424 |
| Noncurrent loans to loans | 0.3107% | 4,031 |
| Net loans and leases to total assets | 64.7698% | 3,248 |
| Net loans and leases to deposits | 76.5253% | 3,259 |
| Net loans and leases to core deposits | 76.9231% | 3,667 |
| Total domestic deposits to total assets | 84.6384% | 3,194 |
| Equity capital to assets | 14.7153% | 685 |
| Core capital (leverage) ratio | 14.7058% | 651 |
| Tier 1 risk-based capital ratio | 37.9484% | 252 |
| Total risk-based capital ratio | 38.5700% | 264 |
| Memoranda: | ||
| Average total assets | $74,469,200 | 4,836 |
| Average earning assets | $73,166,000 | 4,734 |
| Average equity | $10,676,000 | 4,466 |
| Average total loans | $46,796,600 | 4,671 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3688% | 5,083 |
| Cost of funding earning assets | 0.4370% | 2,668 |
| Net interest margin | 2.9317% | 5,129 |
| Noninterest income to average assets | 0.0716% | 5,785 |
| Noninterest expense to average assets | 1.8625% | 5,441 |
| Loan and lease loss provision to assets | 0.0161% | 3,923 |
| Net operating income to assets | 0.6530% | 4,069 |
| Return on assets (ROA) | 0.6530% | 4,191 |
| Pretax return on assets | 1.0735% | 3,339 |
| Return on Equity (ROE) | 4.5854% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.5854% | 3,088 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0909% | 4,059 |
| Assets per employee ($millions) | 6.7203% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3749% | 5,814 |
| Loan loss allowance to noncurrent loans | 87.5622% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 4,343 |
| Noncurrent loans to loans | 0.4281% | 3,755 |
| Net loans and leases to total assets | 63.2767% | 3,489 |
| Net loans and leases to deposits | 74.7149% | 3,532 |
| Net loans and leases to core deposits | 75.1024% | 3,910 |
| Total domestic deposits to total assets | 84.6908% | 2,947 |
| Equity capital to assets | 14.6111% | 838 |
| Core capital (leverage) ratio | 14.5894% | 702 |
| Tier 1 risk-based capital ratio | 38.0464% | 262 |
| Total risk-based capital ratio | 38.6664% | 271 |
| Memoranda: | ||
| Average total assets | $74,520,750 | 4,876 |
| Average earning assets | $73,220,000 | 4,770 |
| Average equity | $10,613,000 | 4,518 |
| Average total loans | $46,426,000 | 4,719 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3495% | 5,187 |
| Cost of funding earning assets | 0.4361% | 2,689 |
| Net interest margin | 2.9135% | 5,244 |
| Noninterest income to average assets | 0.0535% | 5,911 |
| Noninterest expense to average assets | 1.8817% | 5,485 |
| Loan and lease loss provision to assets | 0.0161% | 3,789 |
| Net operating income to assets | 0.6237% | 4,172 |
| Return on assets (ROA) | 0.6237% | 4,300 |
| Pretax return on assets | 1.0171% | 3,526 |
| Return on Equity (ROE) | 4.4169% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.4169% | 3,103 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5546% | 3,924 |
| Assets per employee ($millions) | 6.7321% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3719% | 5,899 |
| Loan loss allowance to noncurrent loans | 176.5306% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 4,980 |
| Noncurrent loans to loans | 0.2107% | 4,598 |
| Net loans and leases to total assets | 62.5768% | 3,556 |
| Net loans and leases to deposits | 73.8957% | 3,604 |
| Net loans and leases to core deposits | 74.2771% | 3,961 |
| Total domestic deposits to total assets | 84.6826% | 3,008 |
| Equity capital to assets | 14.4072% | 896 |
| Core capital (leverage) ratio | 14.3272% | 739 |
| Tier 1 risk-based capital ratio | 37.9937% | 265 |
| Total risk-based capital ratio | 38.6097% | 276 |
| Memoranda: | ||
| Average total assets | $74,720,000 | 4,916 |
| Average earning assets | $73,383,330 | 4,813 |
| Average equity | $10,550,330 | 4,553 |
| Average total loans | $46,250,670 | 4,761 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2889% | 5,338 |
| Cost of funding earning assets | 0.4342% | 2,732 |
| Net interest margin | 2.8547% | 5,388 |
| Noninterest income to average assets | 0.0426% | 5,989 |
| Noninterest expense to average assets | 1.9133% | 5,506 |
| Loan and lease loss provision to assets | 0.0160% | 3,479 |
| Net operating income to assets | 0.5649% | 4,346 |
| Return on assets (ROA) | 0.5649% | 4,449 |
| Pretax return on assets | 0.9167% | 3,781 |
| Return on Equity (ROE) | 4.0416% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.0416% | 3,472 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2285% | 3,592 |
| Assets per employee ($millions) | 6.8448% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3659% | 5,977 |
| Loan loss allowance to noncurrent loans | 346.9388% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 5,341 |
| Noncurrent loans to loans | 0.1055% | 5,052 |
| Net loans and leases to total assets | 61.4878% | 3,595 |
| Net loans and leases to deposits | 71.9496% | 3,652 |
| Net loans and leases to core deposits | 72.6007% | 4,020 |
| Total domestic deposits to total assets | 85.4595% | 2,932 |
| Equity capital to assets | 14.0040% | 981 |
| Core capital (leverage) ratio | 14.0840% | 788 |
| Tier 1 risk-based capital ratio | 39.7917% | 234 |
| Total risk-based capital ratio | 40.4332% | 242 |
| Memoranda: | ||
| Average total assets | $75,053,500 | 4,957 |
| Average earning assets | $73,702,500 | 4,852 |
| Average equity | $10,491,000 | 4,583 |
| Average total loans | $46,119,500 | 4,806 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3526% | 5,252 |
| Cost of funding earning assets | 0.4782% | 2,368 |
| Net interest margin | 2.8744% | 5,382 |
| Noninterest income to average assets | 0.0740% | 5,938 |
| Noninterest expense to average assets | 1.8901% | 5,630 |
| Loan and lease loss provision to assets | 0.0162% | 4,090 |
| Net operating income to assets | 0.6085% | 4,228 |
| Return on assets (ROA) | 0.6085% | 4,327 |
| Pretax return on assets | 0.9922% | 3,504 |
| Return on Equity (ROE) | 4.4263% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.4263% | 2,834 |
| Net charge-offs to loans | 0.0175% | 3,934 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 93.6250% | 614 |
| Efficiency ratio | 65.2113% | 4,045 |
| Assets per employee ($millions) | 6.8013% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3648% | 6,017 |
| Loan loss allowance to noncurrent loans | 334.0000% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 5,367 |
| Noncurrent loans to loans | 0.1092% | 5,066 |
| Net loans and leases to total assets | 60.9592% | 3,699 |
| Net loans and leases to deposits | 71.2928% | 3,790 |
| Net loans and leases to core deposits | 71.9383% | 4,137 |
| Total domestic deposits to total assets | 85.5054% | 2,856 |
| Equity capital to assets | 13.9519% | 947 |
| Core capital (leverage) ratio | 13.8542% | 859 |
| Tier 1 risk-based capital ratio | 38.1492% | 257 |
| Total risk-based capital ratio | 38.7595% | 266 |
| Memoranda: | ||
| Average total assets | $74,281,600 | 4,985 |
| Average earning assets | $72,988,400 | 4,877 |
| Average equity | $10,211,800 | 4,617 |
| Average total loans | $45,834,600 | 4,800 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3468% | 5,327 |
| Cost of funding earning assets | 0.4886% | 2,325 |
| Net interest margin | 2.8582% | 5,480 |
| Noninterest income to average assets | 0.0719% | 6,039 |
| Noninterest expense to average assets | 1.8773% | 5,675 |
| Loan and lease loss provision to assets | 0.0162% | 3,948 |
| Net operating income to assets | 0.6060% | 4,354 |
| Return on assets (ROA) | 0.6060% | 4,455 |
| Pretax return on assets | 0.9872% | 3,661 |
| Return on Equity (ROE) | 4.4245% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.4245% | 3,317 |
| Net charge-offs to loans | 0.0233% | 3,475 |
| Credit loss provision to net charge-offs | 112.5000% | 2,080 |
| Earnings coverage of net charge-offs (x) | 69.7263% | 816 |
| Efficiency ratio | 65.1685% | 4,039 |
| Assets per employee ($millions) | 6.3163% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3576% | 6,110 |
| Loan loss allowance to noncurrent loans | 119.7080% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 4,904 |
| Noncurrent loans to loans | 0.2987% | 4,526 |
| Net loans and leases to total assets | 60.2855% | 3,841 |
| Net loans and leases to deposits | 70.4904% | 3,923 |
| Net loans and leases to core deposits | 71.1180% | 4,265 |
| Total domestic deposits to total assets | 85.5230% | 2,769 |
| Equity capital to assets | 13.6208% | 1,169 |
| Core capital (leverage) ratio | 13.3404% | 1,075 |
| Tier 1 risk-based capital ratio | 37.5609% | 292 |
| Total risk-based capital ratio | 38.1576% | 303 |
| Memoranda: | ||
| Average total assets | $74,148,500 | 5,044 |
| Average earning assets | $72,864,250 | 4,936 |
| Average equity | $10,155,250 | 4,689 |
| Average total loans | $45,850,000 | 4,848 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3573% | 5,315 |
| Cost of funding earning assets | 0.4950% | 2,295 |
| Net interest margin | 2.8623% | 5,512 |
| Noninterest income to average assets | 0.0543% | 6,159 |
| Noninterest expense to average assets | 1.8913% | 5,728 |
| Loan and lease loss provision to assets | 0.0163% | 3,798 |
| Net operating income to assets | 0.6033% | 4,332 |
| Return on assets (ROA) | 0.6033% | 4,435 |
| Pretax return on assets | 0.9592% | 3,740 |
| Return on Equity (ROE) | 4.3965% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.3965% | 3,217 |
| Net charge-offs to loans | 0.0349% | 2,972 |
| Credit loss provision to net charge-offs | 75.0000% | 2,399 |
| Earnings coverage of net charge-offs (x) | 44.8750% | 1,034 |
| Efficiency ratio | 65.9716% | 4,012 |
| Assets per employee ($millions) | 6.4894% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3521% | 6,185 |
| Loan loss allowance to noncurrent loans | 226.7606% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 5,375 |
| Noncurrent loans to loans | 0.1553% | 5,129 |
| Net loans and leases to total assets | 58.5055% | 4,037 |
| Net loans and leases to deposits | 68.6734% | 4,065 |
| Net loans and leases to core deposits | 69.2675% | 4,388 |
| Total domestic deposits to total assets | 85.1938% | 3,040 |
| Equity capital to assets | 13.1111% | 1,345 |
| Core capital (leverage) ratio | 13.5212% | 982 |
| Tier 1 risk-based capital ratio | 36.8898% | 317 |
| Total risk-based capital ratio | 37.4715% | 329 |
| Memoranda: | ||
| Average total assets | $73,599,330 | 5,112 |
| Average earning assets | $72,320,670 | 4,996 |
| Average equity | $10,099,000 | 4,726 |
| Average total loans | $45,847,330 | 4,894 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4407% | 5,114 |
| Cost of funding earning assets | 0.5241% | 2,066 |
| Net interest margin | 2.9166% | 5,416 |
| Noninterest income to average assets | 0.0560% | 6,212 |
| Noninterest expense to average assets | 1.9087% | 5,745 |
| Loan and lease loss provision to assets | 0.0168% | 3,503 |
| Net operating income to assets | 0.6157% | 4,215 |
| Return on assets (ROA) | 0.6157% | 4,305 |
| Pretax return on assets | 0.9963% | 3,522 |
| Return on Equity (ROE) | 4.3809% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.3809% | 3,392 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3257% | 4,266 |
| Assets per employee ($millions) | 6.6441% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3627% | 6,256 |
| Loan loss allowance to noncurrent loans | 159.6154% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 5,387 |
| Noncurrent loans to loans | 0.2272% | 4,957 |
| Net loans and leases to total assets | 62.3917% | 3,305 |
| Net loans and leases to deposits | 73.7299% | 3,346 |
| Net loans and leases to core deposits | 74.4121% | 3,743 |
| Total domestic deposits to total assets | 84.6220% | 3,573 |
| Equity capital to assets | 13.8168% | 1,050 |
| Core capital (leverage) ratio | 14.0670% | 804 |
| Tier 1 risk-based capital ratio | 37.0188% | 309 |
| Total risk-based capital ratio | 37.6274% | 317 |
| Memoranda: | ||
| Average total assets | $71,462,500 | 5,222 |
| Average earning assets | $70,219,000 | 5,085 |
| Average equity | $10,043,500 | 4,767 |
| Average total loans | $45,910,500 | 4,923 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5001% | 5,316 |
| Cost of funding earning assets | 0.5814% | 1,939 |
| Net interest margin | 2.9187% | 5,603 |
| Noninterest income to average assets | 0.0916% | 6,191 |
| Noninterest expense to average assets | 1.9430% | 5,872 |
| Loan and lease loss provision to assets | 0.0174% | 4,262 |
| Net operating income to assets | 0.6229% | 4,260 |
| Return on assets (ROA) | 0.5857% | 4,520 |
| Pretax return on assets | 0.9403% | 3,734 |
| Return on Equity (ROE) | 4.1276% | 5,062 |
| Retained earnings to average equity (ytd only) | 4.1276% | 3,265 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6680% | 4,313 |
| Assets per employee ($millions) | 6.3491% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3539% | 6,348 |
| Loan loss allowance to noncurrent loans | 95.3216% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 5,049 |
| Noncurrent loans to loans | 0.3713% | 4,541 |
| Net loans and leases to total assets | 65.7116% | 2,942 |
| Net loans and leases to deposits | 78.0108% | 2,972 |
| Net loans and leases to core deposits | 78.7809% | 3,437 |
| Total domestic deposits to total assets | 84.2340% | 3,616 |
| Equity capital to assets | 14.3027% | 872 |
| Core capital (leverage) ratio | 14.3027% | 749 |
| Tier 1 risk-based capital ratio | 36.7216% | 293 |
| Total risk-based capital ratio | 37.3208% | 303 |
| Memoranda: | ||
| Average total assets | $68,811,200 | 5,323 |
| Average earning assets | $67,598,400 | 5,185 |
| Average equity | $9,763,600 | 4,800 |
| Average total loans | $45,008,600 | 4,992 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4931% | 5,409 |
| Cost of funding earning assets | 0.5858% | 1,962 |
| Net interest margin | 2.9073% | 5,684 |
| Noninterest income to average assets | 0.0953% | 6,264 |
| Noninterest expense to average assets | 1.9488% | 5,859 |
| Loan and lease loss provision to assets | 0.0175% | 4,063 |
| Net operating income to assets | 0.6177% | 4,362 |
| Return on assets (ROA) | 0.5679% | 4,674 |
| Pretax return on assets | 0.9083% | 3,950 |
| Return on Equity (ROE) | 4.0106% | 5,167 |
| Retained earnings to average equity (ytd only) | 4.0106% | 3,796 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0079% | 4,214 |
| Assets per employee ($millions) | 5.7108% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3552% | 6,433 |
| Loan loss allowance to noncurrent loans | 222.2222% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 5,746 |
| Noncurrent loans to loans | 0.1598% | 5,430 |
| Net loans and leases to total assets | 65.5042% | 2,949 |
| Net loans and leases to deposits | 77.9746% | 2,956 |
| Net loans and leases to core deposits | 78.7917% | 3,461 |
| Total domestic deposits to total assets | 84.0070% | 3,762 |
| Equity capital to assets | 14.4127% | 870 |
| Core capital (leverage) ratio | 14.5031% | 723 |
| Tier 1 risk-based capital ratio | 37.2778% | 291 |
| Total risk-based capital ratio | 37.8779% | 301 |
| Memoranda: | ||
| Average total assets | $68,554,000 | 5,390 |
| Average earning assets | $67,368,500 | 5,243 |
| Average equity | $9,707,250 | 4,845 |
| Average total loans | $44,746,750 | 5,059 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4628% | 5,493 |
| Cost of funding earning assets | 0.5875% | 2,005 |
| Net interest margin | 2.8752% | 5,776 |
| Noninterest income to average assets | 0.0817% | 6,345 |
| Noninterest expense to average assets | 1.9544% | 5,908 |
| Loan and lease loss provision to assets | 0.0175% | 3,910 |
| Net operating income to assets | 0.5834% | 4,437 |
| Return on assets (ROA) | 0.5834% | 4,532 |
| Pretax return on assets | 0.9364% | 3,738 |
| Return on Equity (ROE) | 4.1448% | 5,085 |
| Retained earnings to average equity (ytd only) | 4.1448% | 3,539 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2016% | 4,160 |
| Assets per employee ($millions) | 6.2222% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3524% | 6,509 |
| Loan loss allowance to noncurrent loans | 112.1429% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 5,511 |
| Noncurrent loans to loans | 0.3142% | 5,068 |
| Net loans and leases to total assets | 64.8647% | 2,930 |
| Net loans and leases to deposits | 77.0737% | 2,920 |
| Net loans and leases to core deposits | 77.8782% | 3,456 |
| Total domestic deposits to total assets | 84.1593% | 3,868 |
| Equity capital to assets | 14.2438% | 881 |
| Core capital (leverage) ratio | 14.3869% | 734 |
| Tier 1 risk-based capital ratio | 37.3148% | 291 |
| Total risk-based capital ratio | 37.9097% | 302 |
| Memoranda: | ||
| Average total assets | $68,562,000 | 5,436 |
| Average earning assets | $67,403,000 | 5,286 |
| Average equity | $9,650,670 | 4,874 |
| Average total loans | $44,645,670 | 5,095 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4445% | 5,547 |
| Cost of funding earning assets | 0.5869% | 2,101 |
| Net interest margin | 2.8576% | 5,835 |
| Noninterest income to average assets | 0.0758% | 6,411 |
| Noninterest expense to average assets | 1.9294% | 6,011 |
| Loan and lease loss provision to assets | 0.0175% | 3,603 |
| Net operating income to assets | 0.6121% | 4,147 |
| Return on assets (ROA) | 0.6121% | 4,225 |
| Pretax return on assets | 0.9385% | 3,559 |
| Return on Equity (ROE) | 4.3743% | 4,853 |
| Retained earnings to average equity (ytd only) | 4.3743% | 3,500 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8687% | 4,383 |
| Assets per employee ($millions) | 6.3654% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3435% | 6,595 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 5,925 |
| Noncurrent loans to loans | 0.1717% | 5,574 |
| Net loans and leases to total assets | 63.8155% | 2,926 |
| Net loans and leases to deposits | 75.3711% | 2,891 |
| Net loans and leases to core deposits | 76.1313% | 3,396 |
| Total domestic deposits to total assets | 84.6684% | 4,011 |
| Equity capital to assets | 13.7877% | 992 |
| Core capital (leverage) ratio | 13.9276% | 842 |
| Tier 1 risk-based capital ratio | 36.6906% | 295 |
| Total risk-based capital ratio | 37.2700% | 311 |
| Memoranda: | ||
| Average total assets | $68,621,000 | 5,485 |
| Average earning assets | $67,469,000 | 5,334 |
| Average equity | $9,601,500 | 4,908 |
| Average total loans | $44,692,000 | 5,134 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6369% | 5,313 |
| Cost of funding earning assets | 0.6459% | 2,239 |
| Net interest margin | 2.9911% | 5,597 |
| Noninterest income to average assets | 0.1199% | 6,320 |
| Noninterest expense to average assets | 1.9348% | 6,132 |
| Loan and lease loss provision to assets | 0.0195% | 4,751 |
| Net operating income to assets | 0.6729% | 3,928 |
| Return on assets (ROA) | 0.6729% | 4,027 |
| Pretax return on assets | 1.1015% | 2,943 |
| Return on Equity (ROE) | 4.8150% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.8150% | 2,722 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3154% | 5,007 |
| Assets per employee ($millions) | 6.7223% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3367% | 6,671 |
| Loan loss allowance to noncurrent loans | 194.8052% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 5,989 |
| Noncurrent loans to loans | 0.1729% | 5,684 |
| Net loans and leases to total assets | 66.0444% | 2,684 |
| Net loans and leases to deposits | 78.4566% | 2,667 |
| Net loans and leases to core deposits | 79.2733% | 3,211 |
| Total domestic deposits to total assets | 84.1795% | 4,099 |
| Equity capital to assets | 14.2050% | 850 |
| Core capital (leverage) ratio | 14.3507% | 731 |
| Tier 1 risk-based capital ratio | 36.5749% | 285 |
| Total risk-based capital ratio | 37.1474% | 295 |
| Memoranda: | ||
| Average total assets | $66,726,800 | 5,572 |
| Average earning assets | $65,494,800 | 5,421 |
| Average equity | $9,325,000 | 5,011 |
| Average total loans | $43,268,400 | 5,227 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6462% | 5,311 |
| Cost of funding earning assets | 0.6550% | 2,321 |
| Net interest margin | 2.9912% | 5,619 |
| Noninterest income to average assets | 0.1341% | 6,352 |
| Noninterest expense to average assets | 1.9158% | 6,158 |
| Loan and lease loss provision to assets | 0.0240% | 4,526 |
| Net operating income to assets | 0.6866% | 3,923 |
| Return on assets (ROA) | 0.6866% | 4,062 |
| Pretax return on assets | 1.1291% | 2,986 |
| Return on Equity (ROE) | 4.9339% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.9339% | 3,129 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4266% | 5,075 |
| Assets per employee ($millions) | 5.5698% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3371% | 6,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 6,336 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 65.9051% | 2,660 |
| Net loans and leases to deposits | 78.3010% | 2,611 |
| Net loans and leases to core deposits | 78.7658% | 3,257 |
| Total domestic deposits to total assets | 84.1689% | 4,126 |
| Equity capital to assets | 14.1299% | 926 |
| Core capital (leverage) ratio | 14.2750% | 793 |
| Tier 1 risk-based capital ratio | 36.2390% | 306 |
| Total risk-based capital ratio | 36.8049% | 317 |
| Memoranda: | ||
| Average total assets | $66,602,750 | 5,632 |
| Average earning assets | $65,345,250 | 5,477 |
| Average equity | $9,269,000 | 5,078 |
| Average total loans | $42,948,750 | 5,278 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6295% | 5,355 |
| Cost of funding earning assets | 0.6591% | 2,414 |
| Net interest margin | 2.9704% | 5,647 |
| Noninterest income to average assets | 0.1293% | 6,408 |
| Noninterest expense to average assets | 1.9421% | 6,146 |
| Loan and lease loss provision to assets | 0.0180% | 4,534 |
| Net operating income to assets | 0.6584% | 4,027 |
| Return on assets (ROA) | 0.6584% | 4,187 |
| Pretax return on assets | 1.0823% | 3,163 |
| Return on Equity (ROE) | 4.7554% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.7554% | 3,221 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8340% | 4,891 |
| Assets per employee ($millions) | 6.1504% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3384% | 6,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 6,374 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 62.2550% | 3,244 |
| Net loans and leases to deposits | 73.8744% | 3,175 |
| Net loans and leases to core deposits | 74.3045% | 3,762 |
| Total domestic deposits to total assets | 84.2714% | 4,211 |
| Equity capital to assets | 13.7701% | 1,027 |
| Core capital (leverage) ratio | 13.9208% | 843 |
| Tier 1 risk-based capital ratio | 36.3629% | 294 |
| Total risk-based capital ratio | 36.9151% | 309 |
| Memoranda: | ||
| Average total assets | $66,524,670 | 5,668 |
| Average earning assets | $65,243,330 | 5,523 |
| Average equity | $9,210,670 | 5,124 |
| Average total loans | $42,532,330 | 5,316 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6929% | 5,193 |
| Cost of funding earning assets | 0.6743% | 2,445 |
| Net interest margin | 3.0187% | 5,519 |
| Noninterest income to average assets | 0.1516% | 6,346 |
| Noninterest expense to average assets | 1.9284% | 6,237 |
| Loan and lease loss provision to assets | 0.0182% | 4,238 |
| Net operating income to assets | 0.6974% | 3,696 |
| Return on assets (ROA) | 0.6974% | 3,840 |
| Pretax return on assets | 1.1643% | 2,705 |
| Return on Equity (ROE) | 5.0229% | 4,556 |
| Retained earnings to average equity (ytd only) | 5.0229% | 3,213 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9883% | 5,303 |
| Assets per employee ($millions) | 6.0624% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3291% | 6,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 6,467 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 63.5861% | 2,790 |
| Net loans and leases to deposits | 75.1813% | 2,746 |
| Net loans and leases to core deposits | 75.6224% | 3,370 |
| Total domestic deposits to total assets | 84.5770% | 4,234 |
| Equity capital to assets | 13.8185% | 1,083 |
| Core capital (leverage) ratio | 13.9669% | 805 |
| Tier 1 risk-based capital ratio | 36.3388% | 306 |
| Total risk-based capital ratio | 36.8850% | 322 |
| Memoranda: | ||
| Average total assets | $65,960,000 | 5,739 |
| Average earning assets | $64,664,000 | 5,593 |
| Average equity | $9,158,000 | 5,194 |
| Average total loans | $42,668,000 | 5,349 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0407% | 5,184 |
| Cost of funding earning assets | 0.9094% | 1,887 |
| Net interest margin | 3.1313% | 5,737 |
| Noninterest income to average assets | 0.1042% | 6,485 |
| Noninterest expense to average assets | 1.9842% | 6,360 |
| Loan and lease loss provision to assets | 0.0663% | 4,922 |
| Net operating income to assets | 0.6804% | 3,833 |
| Return on assets (ROA) | 0.6804% | 4,101 |
| Pretax return on assets | 1.1192% | 3,084 |
| Return on Equity (ROE) | 4.8534% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.8534% | 2,805 |
| Net charge-offs to loans | 0.0142% | 5,714 |
| Credit loss provision to net charge-offs | 700.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 125.1667% | 319 |
| Efficiency ratio | 62.5996% | 5,150 |
| Assets per employee ($millions) | 5.9304% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3201% | 6,937 |
| Loan loss allowance to noncurrent loans | 190.2778% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 6,307 |
| Noncurrent loans to loans | 0.1683% | 6,061 |
| Net loans and leases to total assets | 65.3892% | 2,636 |
| Net loans and leases to deposits | 77.4704% | 2,591 |
| Net loans and leases to core deposits | 77.9347% | 3,270 |
| Total domestic deposits to total assets | 84.4054% | 4,127 |
| Equity capital to assets | 13.9513% | 1,068 |
| Core capital (leverage) ratio | 14.1015% | 772 |
| Tier 1 risk-based capital ratio | 35.7451% | 326 |
| Total risk-based capital ratio | 36.2774% | 336 |
| Memoranda: | ||
| Average total assets | $63,349,400 | 5,844 |
| Average earning assets | $62,019,400 | 5,668 |
| Average equity | $8,880,400 | 5,256 |
| Average total loans | $42,166,400 | 5,411 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 5,312 |
| Cost of funding earning assets | 0.9513% | 1,846 |
| Net interest margin | 3.1119% | 5,910 |
| Noninterest income to average assets | 0.1039% | 6,604 |
| Noninterest expense to average assets | 1.9360% | 6,462 |
| Loan and lease loss provision to assets | 0.0891% | 4,492 |
| Net operating income to assets | 0.6807% | 4,006 |
| Return on assets (ROA) | 0.6807% | 4,266 |
| Pretax return on assets | 1.1238% | 3,259 |
| Return on Equity (ROE) | 4.8496% | 4,895 |
| Retained earnings to average equity (ytd only) | 4.8496% | 3,474 |
| Net charge-offs to loans | 0.0190% | 5,404 |
| Credit loss provision to net charge-offs | 700.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 95.3313% | 441 |
| Efficiency ratio | 61.4815% | 5,232 |
| Assets per employee ($millions) | 5.2379% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3213% | 7,049 |
| Loan loss allowance to noncurrent loans | 31.7130% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 4,972 |
| Noncurrent loans to loans | 1.0133% | 4,426 |
| Net loans and leases to total assets | 67.6128% | 2,349 |
| Net loans and leases to deposits | 80.6077% | 2,302 |
| Net loans and leases to core deposits | 81.1092% | 3,080 |
| Total domestic deposits to total assets | 83.8788% | 4,282 |
| Equity capital to assets | 14.3075% | 1,038 |
| Core capital (leverage) ratio | 14.4603% | 715 |
| Tier 1 risk-based capital ratio | 35.4665% | 342 |
| Total risk-based capital ratio | 36.0011% | 361 |
| Memoranda: | ||
| Average total assets | $62,878,250 | 5,919 |
| Average earning assets | $61,525,500 | 5,752 |
| Average equity | $8,825,250 | 5,318 |
| Average total loans | $42,009,750 | 5,486 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0632% | 5,445 |
| Cost of funding earning assets | 0.9784% | 1,889 |
| Net interest margin | 3.0848% | 6,049 |
| Noninterest income to average assets | 0.0954% | 6,692 |
| Noninterest expense to average assets | 1.9814% | 6,470 |
| Loan and lease loss provision to assets | 0.0636% | 4,855 |
| Net operating income to assets | 0.6456% | 4,136 |
| Return on assets (ROA) | 0.6456% | 4,388 |
| Pretax return on assets | 1.0686% | 3,429 |
| Return on Equity (ROE) | 4.6298% | 4,983 |
| Retained earnings to average equity (ytd only) | 4.6298% | 3,530 |
| Net charge-offs to loans | 0.0287% | 4,978 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 59.3333% | 642 |
| Efficiency ratio | 63.6364% | 4,958 |
| Assets per employee ($millions) | 5.7697% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2749% | 7,128 |
| Loan loss allowance to noncurrent loans | 27.7108% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 5,146 |
| Noncurrent loans to loans | 0.9922% | 4,517 |
| Net loans and leases to total assets | 65.7208% | 2,728 |
| Net loans and leases to deposits | 79.0775% | 2,515 |
| Net loans and leases to core deposits | 79.5632% | 3,276 |
| Total domestic deposits to total assets | 83.1093% | 4,708 |
| Equity capital to assets | 13.9821% | 1,102 |
| Core capital (leverage) ratio | 14.1349% | 770 |
| Tier 1 risk-based capital ratio | 34.9719% | 344 |
| Total risk-based capital ratio | 35.4202% | 365 |
| Memoranda: | ||
| Average total assets | $62,886,000 | 5,950 |
| Average earning assets | $61,528,330 | 5,785 |
| Average equity | $8,769,330 | 5,332 |
| Average total loans | $41,801,330 | 5,521 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1117% | 5,410 |
| Cost of funding earning assets | 1.0116% | 1,909 |
| Net interest margin | 3.1001% | 6,041 |
| Noninterest income to average assets | 0.0831% | 6,813 |
| Noninterest expense to average assets | 2.0001% | 6,461 |
| Loan and lease loss provision to assets | 0.1278% | 3,749 |
| Net operating income to assets | 0.5879% | 4,401 |
| Return on assets (ROA) | 0.5879% | 4,619 |
| Pretax return on assets | 0.9905% | 3,704 |
| Return on Equity (ROE) | 4.2216% | 5,183 |
| Retained earnings to average equity (ytd only) | 4.2216% | 4,058 |
| Net charge-offs to loans | 0.0574% | 3,928 |
| Credit loss provision to net charge-offs | 333.3333% | 895 |
| Earnings coverage of net charge-offs (x) | 29.1667% | 940 |
| Efficiency ratio | 64.1393% | 4,897 |
| Assets per employee ($millions) | 5.7552% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2760% | 7,188 |
| Loan loss allowance to noncurrent loans | 27.6442% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6571% | 5,246 |
| Noncurrent loans to loans | 0.9982% | 4,677 |
| Net loans and leases to total assets | 65.6452% | 2,534 |
| Net loans and leases to deposits | 78.7471% | 2,378 |
| Net loans and leases to core deposits | 79.2245% | 3,149 |
| Total domestic deposits to total assets | 83.3620% | 4,782 |
| Equity capital to assets | 13.8421% | 1,076 |
| Core capital (leverage) ratio | 13.9953% | 805 |
| Tier 1 risk-based capital ratio | 34.4104% | 352 |
| Total risk-based capital ratio | 34.8571% | 373 |
| Memoranda: | ||
| Average total assets | $62,595,500 | 5,993 |
| Average earning assets | $61,289,000 | 5,832 |
| Average equity | $8,717,000 | 5,356 |
| Average total loans | $41,789,000 | 5,556 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 5,326 |
| Cost of funding earning assets | 1.1943% | 2,071 |
| Net interest margin | 3.2313% | 6,011 |
| Noninterest income to average assets | 0.1248% | 6,525 |
| Noninterest expense to average assets | 1.9852% | 6,696 |
| Loan and lease loss provision to assets | 0.0050% | 6,456 |
| Net operating income to assets | 0.7821% | 3,127 |
| Return on assets (ROA) | 0.7821% | 3,290 |
| Pretax return on assets | 1.2863% | 2,186 |
| Return on Equity (ROE) | 5.5714% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.5714% | 2,255 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5891% | 5,662 |
| Assets per employee ($millions) | 6.1884% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2410% | 7,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 67.5522% | 2,481 |
| Net loans and leases to deposits | 81.2280% | 2,322 |
| Net loans and leases to core deposits | 81.7267% | 3,225 |
| Total domestic deposits to total assets | 83.1637% | 4,684 |
| Equity capital to assets | 14.0117% | 1,056 |
| Core capital (leverage) ratio | 14.0117% | 824 |
| Tier 1 risk-based capital ratio | 32.5512% | 403 |
| Total risk-based capital ratio | 32.9304% | 430 |
| Memoranda: | ||
| Average total assets | $60,094,800 | 6,033 |
| Average earning assets | $58,614,000 | 5,912 |
| Average equity | $8,436,000 | 5,426 |
| Average total loans | $41,097,800 | 5,639 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 5,412 |
| Cost of funding earning assets | 1.2267% | 2,148 |
| Net interest margin | 3.2284% | 6,086 |
| Noninterest income to average assets | 0.1274% | 6,615 |
| Noninterest expense to average assets | 1.9425% | 6,804 |
| Loan and lease loss provision to assets | 0.0067% | 6,341 |
| Net operating income to assets | 0.8025% | 3,147 |
| Return on assets (ROA) | 0.8025% | 3,313 |
| Pretax return on assets | 1.3255% | 2,201 |
| Return on Equity (ROE) | 5.7137% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.7137% | 2,736 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3174% | 5,827 |
| Assets per employee ($millions) | 5.4732% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2414% | 7,317 |
| Loan loss allowance to noncurrent loans | 110.9890% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 6,670 |
| Noncurrent loans to loans | 0.2175% | 6,443 |
| Net loans and leases to total assets | 69.3248% | 2,211 |
| Net loans and leases to deposits | 83.7050% | 2,044 |
| Net loans and leases to core deposits | 84.2287% | 3,029 |
| Total domestic deposits to total assets | 82.8204% | 4,753 |
| Equity capital to assets | 14.2197% | 1,079 |
| Core capital (leverage) ratio | 14.2197% | 839 |
| Tier 1 risk-based capital ratio | 31.7533% | 463 |
| Total risk-based capital ratio | 32.1279% | 488 |
| Memoranda: | ||
| Average total assets | $59,647,500 | 6,101 |
| Average earning assets | $58,150,000 | 5,973 |
| Average equity | $8,377,250 | 5,476 |
| Average total loans | $40,896,000 | 5,702 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 5,412 |
| Cost of funding earning assets | 1.2567% | 2,213 |
| Net interest margin | 3.2245% | 6,080 |
| Noninterest income to average assets | 0.1110% | 6,778 |
| Noninterest expense to average assets | 1.9643% | 6,857 |
| Loan and lease loss provision to assets | 0.0101% | 6,137 |
| Net operating income to assets | 0.7736% | 3,181 |
| Return on assets (ROA) | 0.7736% | 3,315 |
| Pretax return on assets | 1.2781% | 2,214 |
| Return on Equity (ROE) | 5.5315% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.5315% | 2,676 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3930% | 5,816 |
| Assets per employee ($millions) | 5.4352% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2463% | 7,378 |
| Loan loss allowance to noncurrent loans | 265.7895% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 6,940 |
| Noncurrent loans to loans | 0.0927% | 6,746 |
| Net loans and leases to total assets | 68.4112% | 2,536 |
| Net loans and leases to deposits | 82.5149% | 2,371 |
| Net loans and leases to core deposits | 82.5149% | 3,428 |
| Total domestic deposits to total assets | 82.9077% | 4,791 |
| Equity capital to assets | 14.1034% | 1,066 |
| Core capital (leverage) ratio | 14.1034% | 848 |
| Tier 1 risk-based capital ratio | 31.8357% | 459 |
| Total risk-based capital ratio | 32.2170% | 483 |
| Memoranda: | ||
| Average total assets | $59,461,670 | 6,158 |
| Average earning assets | $57,931,000 | 6,025 |
| Average equity | $8,316,000 | 5,511 |
| Average total loans | $40,582,000 | 5,776 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 5,294 |
| Cost of funding earning assets | 1.3153% | 2,097 |
| Net interest margin | 3.1983% | 6,071 |
| Noninterest income to average assets | 0.1012% | 6,908 |
| Noninterest expense to average assets | 1.9360% | 6,925 |
| Loan and lease loss provision to assets | 0.0067% | 5,795 |
| Net operating income to assets | 0.7622% | 3,206 |
| Return on assets (ROA) | 0.7622% | 3,274 |
| Pretax return on assets | 1.2749% | 2,119 |
| Return on Equity (ROE) | 5.4735% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.4735% | 2,921 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1677% | 5,958 |
| Assets per employee ($millions) | 5.4589% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2435% | 7,431 |
| Loan loss allowance to noncurrent loans | 247.5000% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 6,995 |
| Noncurrent loans to loans | 0.0984% | 6,797 |
| Net loans and leases to total assets | 67.5376% | 2,649 |
| Net loans and leases to deposits | 81.1457% | 2,501 |
| Net loans and leases to core deposits | 81.1457% | 3,583 |
| Total domestic deposits to total assets | 83.2301% | 4,832 |
| Equity capital to assets | 13.8456% | 1,051 |
| Core capital (leverage) ratio | 13.8456% | 885 |
| Tier 1 risk-based capital ratio | 31.7984% | 445 |
| Total risk-based capital ratio | 32.1770% | 470 |
| Memoranda: | ||
| Average total assets | $59,299,000 | 6,204 |
| Average earning assets | $57,780,500 | 6,073 |
| Average equity | $8,258,000 | 5,534 |
| Average total loans | $40,372,000 | 5,833 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7648% | 5,561 |
| Cost of funding earning assets | 1.5372% | 2,423 |
| Net interest margin | 3.2276% | 6,199 |
| Noninterest income to average assets | 0.1408% | 6,687 |
| Noninterest expense to average assets | 2.1079% | 6,826 |
| Loan and lease loss provision to assets | 0.0154% | 6,951 |
| Net operating income to assets | 0.7123% | 3,183 |
| Return on assets (ROA) | 0.7123% | 3,315 |
| Pretax return on assets | 1.1638% | 2,351 |
| Return on Equity (ROE) | 5.1937% | 3,990 |
| Retained earnings to average equity (ytd only) | 5.1937% | 2,310 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1253% | 5,328 |
| Assets per employee ($millions) | 5.3227% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2469% | 7,508 |
| Loan loss allowance to noncurrent loans | 247.5000% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 7,057 |
| Noncurrent loans to loans | 0.0998% | 6,887 |
| Net loans and leases to total assets | 68.3023% | 2,910 |
| Net loans and leases to deposits | 83.3528% | 2,559 |
| Net loans and leases to core deposits | 83.3528% | 3,696 |
| Total domestic deposits to total assets | 81.9436% | 5,207 |
| Equity capital to assets | 14.0085% | 1,037 |
| Core capital (leverage) ratio | 14.0085% | 844 |
| Tier 1 risk-based capital ratio | 31.6374% | 443 |
| Total risk-based capital ratio | 32.0193% | 469 |
| Memoranda: | ||
| Average total assets | $58,258,000 | 6,265 |
| Average earning assets | $56,791,200 | 6,107 |
| Average equity | $7,990,400 | 5,714 |
| Average total loans | $39,300,600 | 5,951 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7668% | 5,801 |
| Cost of funding earning assets | 1.5944% | 2,421 |
| Net interest margin | 3.1724% | 6,426 |
| Noninterest income to average assets | 0.1444% | 6,823 |
| Noninterest expense to average assets | 2.0532% | 6,952 |
| Loan and lease loss provision to assets | 0.0206% | 6,851 |
| Net operating income to assets | 0.7081% | 3,374 |
| Return on assets (ROA) | 0.7081% | 3,526 |
| Pretax return on assets | 1.1618% | 2,630 |
| Return on Equity (ROE) | 5.1904% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.1904% | 2,848 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4561% | 5,351 |
| Assets per employee ($millions) | 5.2653% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2478% | 7,620 |
| Loan loss allowance to noncurrent loans | 241.4634% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 7,163 |
| Noncurrent loans to loans | 0.1026% | 6,981 |
| Net loans and leases to total assets | 68.8007% | 3,033 |
| Net loans and leases to deposits | 84.1474% | 2,680 |
| Net loans and leases to core deposits | 84.1474% | 3,912 |
| Total domestic deposits to total assets | 81.7621% | 5,094 |
| Equity capital to assets | 13.9818% | 1,166 |
| Core capital (leverage) ratio | 13.9818% | 925 |
| Tier 1 risk-based capital ratio | 31.7183% | 445 |
| Total risk-based capital ratio | 32.1061% | 474 |
| Memoranda: | ||
| Average total assets | $58,185,000 | 6,344 |
| Average earning assets | $56,695,750 | 6,178 |
| Average equity | $7,937,500 | 5,810 |
| Average total loans | $39,103,250 | 6,040 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7104% | 6,112 |
| Cost of funding earning assets | 1.6264% | 2,502 |
| Net interest margin | 3.0839% | 6,645 |
| Noninterest income to average assets | 0.1407% | 6,879 |
| Noninterest expense to average assets | 2.0386% | 7,032 |
| Loan and lease loss provision to assets | 0.0206% | 6,723 |
| Net operating income to assets | 0.6624% | 3,571 |
| Return on assets (ROA) | 0.6624% | 3,718 |
| Pretax return on assets | 1.0880% | 2,814 |
| Return on Equity (ROE) | 4.8960% | 4,339 |
| Retained earnings to average equity (ytd only) | 4.8960% | 2,964 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7764% | 5,191 |
| Assets per employee ($millions) | 5.2989% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2423% | 7,686 |
| Loan loss allowance to noncurrent loans | 226.1905% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 7,211 |
| Noncurrent loans to loans | 0.1071% | 7,051 |
| Net loans and leases to total assets | 67.0961% | 3,597 |
| Net loans and leases to deposits | 81.5620% | 3,332 |
| Net loans and leases to core deposits | 81.5620% | 4,483 |
| Total domestic deposits to total assets | 82.2639% | 4,882 |
| Equity capital to assets | 13.6941% | 1,273 |
| Core capital (leverage) ratio | 13.6941% | 1,003 |
| Tier 1 risk-based capital ratio | 30.8233% | 465 |
| Total risk-based capital ratio | 31.1901% | 501 |
| Memoranda: | ||
| Average total assets | $58,274,000 | 6,379 |
| Average earning assets | $56,811,000 | 6,209 |
| Average equity | $7,884,000 | 5,844 |
| Average total loans | $38,822,000 | 6,099 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 6,286 |
| Cost of funding earning assets | 1.6402% | 2,709 |
| Net interest margin | 3.0480% | 6,715 |
| Noninterest income to average assets | 0.1716% | 6,746 |
| Noninterest expense to average assets | 1.9702% | 7,214 |
| Loan and lease loss provision to assets | 0.0137% | 6,482 |
| Net operating income to assets | 0.6522% | 3,654 |
| Return on assets (ROA) | 0.6522% | 3,776 |
| Pretax return on assets | 1.1602% | 2,513 |
| Return on Equity (ROE) | 4.8500% | 4,448 |
| Retained earnings to average equity (ytd only) | 4.8500% | 3,242 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6638% | 5,715 |
| Assets per employee ($millions) | 5.3768% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2347% | 7,797 |
| Loan loss allowance to noncurrent loans | 113.7500% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 7,144 |
| Noncurrent loans to loans | 0.2063% | 6,923 |
| Net loans and leases to total assets | 65.4155% | 4,019 |
| Net loans and leases to deposits | 78.9979% | 3,838 |
| Net loans and leases to core deposits | 78.9979% | 4,895 |
| Total domestic deposits to total assets | 82.8067% | 4,715 |
| Equity capital to assets | 13.3266% | 1,392 |
| Core capital (leverage) ratio | 13.3266% | 1,123 |
| Tier 1 risk-based capital ratio | 30.5599% | 499 |
| Total risk-based capital ratio | 30.9127% | 523 |
| Memoranda: | ||
| Average total assets | $58,267,000 | 6,460 |
| Average earning assets | $56,824,000 | 6,285 |
| Average equity | $7,835,000 | 5,899 |
| Average total loans | $38,631,000 | 6,184 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1440% | 5,905 |
| Cost of funding earning assets | 1.8745% | 3,600 |
| Net interest margin | 3.2695% | 5,859 |
| Noninterest income to average assets | 0.1412% | 7,036 |
| Noninterest expense to average assets | 2.1160% | 7,152 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7435% | 2,753 |
| Return on assets (ROA) | 0.7435% | 2,841 |
| Pretax return on assets | 1.2171% | 1,911 |
| Return on Equity (ROE) | 5.4828% | 3,437 |
| Retained earnings to average equity (ytd only) | 5.4828% | 1,587 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4853% | 5,869 |
| Assets per employee ($millions) | 5.2172% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2313% | 7,867 |
| Loan loss allowance to noncurrent loans | 109.8765% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 7,126 |
| Noncurrent loans to loans | 0.2105% | 6,900 |
| Net loans and leases to total assets | 66.8978% | 3,951 |
| Net loans and leases to deposits | 80.9924% | 3,801 |
| Net loans and leases to core deposits | 87.0705% | 5,424 |
| Total domestic deposits to total assets | 82.5977% | 4,708 |
| Equity capital to assets | 13.5705% | 1,291 |
| Core capital (leverage) ratio | 13.5705% | 1,074 |
| Tier 1 risk-based capital ratio | 30.4088% | 502 |
| Total risk-based capital ratio | 30.7563% | 536 |
| Memoranda: | ||
| Average total assets | $55,953,400 | 6,496 |
| Average earning assets | $54,626,600 | 6,348 |
| Average equity | $7,587,400 | 6,061 |
| Average total loans | $38,704,600 | 6,168 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2074% | 5,848 |
| Cost of funding earning assets | 1.9052% | 3,857 |
| Net interest margin | 3.3022% | 5,632 |
| Noninterest income to average assets | 0.1511% | 7,103 |
| Noninterest expense to average assets | 2.0937% | 7,211 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7770% | 2,906 |
| Return on assets (ROA) | 0.7770% | 2,968 |
| Pretax return on assets | 1.2831% | 1,999 |
| Return on Equity (ROE) | 5.7314% | 3,638 |
| Retained earnings to average equity (ytd only) | 5.7314% | 2,087 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0028% | 6,098 |
| Assets per employee ($millions) | 5.1612% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2280% | 7,960 |
| Loan loss allowance to noncurrent loans | 108.5366% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 6,833 |
| Noncurrent loans to loans | 0.2101% | 6,973 |
| Net loans and leases to total assets | 68.5854% | 3,828 |
| Net loans and leases to deposits | 84.2285% | 3,611 |
| Net loans and leases to core deposits | 91.0170% | 5,330 |
| Total domestic deposits to total assets | 81.4278% | 4,904 |
| Equity capital to assets | 13.5557% | 1,473 |
| Core capital (leverage) ratio | 13.5557% | 1,220 |
| Tier 1 risk-based capital ratio | 30.0884% | 560 |
| Total risk-based capital ratio | 30.4363% | 603 |
| Memoranda: | ||
| Average total assets | $55,594,500 | 6,558 |
| Average earning assets | $54,306,500 | 6,410 |
| Average equity | $7,537,250 | 6,136 |
| Average total loans | $38,760,500 | 6,211 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2610% | 5,824 |
| Cost of funding earning assets | 1.9131% | 4,201 |
| Net interest margin | 3.3479% | 5,375 |
| Noninterest income to average assets | 0.1232% | 7,363 |
| Noninterest expense to average assets | 2.0507% | 7,376 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8043% | 2,839 |
| Return on assets (ROA) | 0.8043% | 2,933 |
| Pretax return on assets | 1.3442% | 1,897 |
| Return on Equity (ROE) | 5.9324% | 3,684 |
| Retained earnings to average equity (ytd only) | 5.9324% | 2,053 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4055% | 6,478 |
| Assets per employee ($millions) | 5.0675% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2295% | 8,047 |
| Loan loss allowance to noncurrent loans | 40.4545% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 6,478 |
| Noncurrent loans to loans | 0.5674% | 6,132 |
| Net loans and leases to total assets | 69.3988% | 3,847 |
| Net loans and leases to deposits | 85.2412% | 3,694 |
| Net loans and leases to core deposits | 91.4842% | 5,399 |
| Total domestic deposits to total assets | 81.4147% | 4,921 |
| Equity capital to assets | 13.6143% | 1,453 |
| Core capital (leverage) ratio | 13.6143% | 1,237 |
| Tier 1 risk-based capital ratio | 29.3567% | 639 |
| Total risk-based capital ratio | 29.7010% | 679 |
| Memoranda: | ||
| Average total assets | $55,201,670 | 6,628 |
| Average earning assets | $53,944,330 | 6,476 |
| Average equity | $7,484,330 | 6,188 |
| Average total loans | $38,671,670 | 6,264 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3276% | 5,769 |
| Cost of funding earning assets | 1.9224% | 4,527 |
| Net interest margin | 3.4052% | 5,119 |
| Noninterest income to average assets | 0.1384% | 7,311 |
| Noninterest expense to average assets | 1.9588% | 7,430 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8738% | 2,825 |
| Return on assets (ROA) | 0.8738% | 2,975 |
| Pretax return on assets | 1.5073% | 1,646 |
| Return on Equity (ROE) | 6.4586% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.4586% | 2,434 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5126% | 6,896 |
| Assets per employee ($millions) | 5.0725% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2318% | 8,086 |
| Loan loss allowance to noncurrent loans | 48.3696% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 6,528 |
| Noncurrent loans to loans | 0.4793% | 6,225 |
| Net loans and leases to total assets | 68.6381% | 3,991 |
| Net loans and leases to deposits | 84.0163% | 3,981 |
| Net loans and leases to core deposits | 89.7245% | 5,580 |
| Total domestic deposits to total assets | 81.6961% | 4,681 |
| Equity capital to assets | 13.4165% | 1,565 |
| Core capital (leverage) ratio | 13.4165% | 1,351 |
| Tier 1 risk-based capital ratio | 29.6487% | 638 |
| Total risk-based capital ratio | 30.0012% | 687 |
| Memoranda: | ||
| Average total assets | $54,931,000 | 6,672 |
| Average earning assets | $53,683,000 | 6,516 |
| Average equity | $7,432,000 | 6,250 |
| Average total loans | $38,620,500 | 6,301 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5893% | 7,100 |
| Cost of funding earning assets | 2.3899% | 4,765 |
| Net interest margin | 3.1994% | 6,366 |
| Noninterest income to average assets | 0.1832% | 7,138 |
| Noninterest expense to average assets | 2.0754% | 7,288 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7573% | 3,626 |
| Return on assets (ROA) | 0.7573% | 3,470 |
| Pretax return on assets | 1.2351% | 2,529 |
| Return on Equity (ROE) | 5.5616% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.5616% | 1,735 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6925% | 5,828 |
| Assets per employee ($millions) | 4.9150% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2291% | 8,145 |
| Loan loss allowance to noncurrent loans | 76.0684% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 6,706 |
| Noncurrent loans to loans | 0.3011% | 6,477 |
| Net loans and leases to total assets | 71.7007% | 3,651 |
| Net loans and leases to deposits | 88.2346% | 3,766 |
| Net loans and leases to core deposits | 94.1721% | 5,438 |
| Total domestic deposits to total assets | 81.2614% | 4,530 |
| Equity capital to assets | 13.6465% | 1,553 |
| Core capital (leverage) ratio | 13.6465% | 1,346 |
| Tier 1 risk-based capital ratio | 29.4613% | 671 |
| Total risk-based capital ratio | 29.8167% | 713 |
| Memoranda: | ||
| Average total assets | $52,952,600 | 6,662 |
| Average earning assets | $51,759,800 | 6,517 |
| Average equity | $7,210,200 | 6,379 |
| Average total loans | $37,422,600 | 6,293 |