Home > Abbeville Building & Loan (A State-Chartered Savings Bank) > Performance and Condition Ratios
Abbeville Building & Loan (A State-Chartered Savings Bank), Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3241% | 1,450 |
| Cost of funding earning assets | 0.8308% | 3,660 |
| Net interest margin | 4.4933% | 622 |
| Noninterest income to average assets | 1.8700% | 289 |
| Noninterest expense to average assets | 5.2729% | 211 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.3662% | 3,934 |
| Return on assets (ROA) | 0.3662% | 3,925 |
| Pretax return on assets | 0.4929% | 3,826 |
| Return on Equity (ROE) | 1.0900% | 4,254 |
| Retained earnings to average equity (ytd only) | 1.0879% | 3,815 |
| 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 | 91.6440% | 366 |
| Assets per employee ($millions) | 3.1509% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 1,739 |
| Loan loss allowance to noncurrent loans | 88.9845% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.0244% | 480 |
| Noncurrent loans to loans | 1.4669% | 474 |
| Net loans and leases to total assets | 68.9200% | 1,932 |
| Net loans and leases to deposits | 107.2989% | 254 |
| Net loans and leases to core deposits | 128.2195% | 430 |
| Total domestic deposits to total assets | 64.2300% | 4,402 |
| Equity capital to assets | 34.3548% | 149 |
| Core capital (leverage) ratio | 33.5387% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.3678% | 117 |
| Memoranda: | ||
| Average total assets | $57,615,600 | 4,241 |
| Average earning assets | $49,829,800 | 4,253 |
| Average equity | $19,394,400 | 2,915 |
| Average total loans | $38,608,400 | 4,015 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2389% | 1,376 |
| Cost of funding earning assets | 0.7278% | 3,700 |
| Net interest margin | 4.5111% | 605 |
| Noninterest income to average assets | 2.0000% | 283 |
| Noninterest expense to average assets | 5.2603% | 213 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.4956% | 3,773 |
| Return on assets (ROA) | 0.4956% | 3,772 |
| Pretax return on assets | 0.6570% | 3,630 |
| Return on Equity (ROE) | 1.4800% | 4,263 |
| Retained earnings to average equity (ytd only) | 1.4798% | 3,848 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 89.1406% | 403 |
| Assets per employee ($millions) | 3.1197% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 1,594 |
| Loan loss allowance to noncurrent loans | 96.9981% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.9492% | 565 |
| Noncurrent loans to loans | 1.4099% | 532 |
| Net loans and leases to total assets | 66.4000% | 2,210 |
| Net loans and leases to deposits | 104.4278% | 341 |
| Net loans and leases to core deposits | 123.0878% | 482 |
| Total domestic deposits to total assets | 63.5900% | 4,436 |
| Equity capital to assets | 34.7063% | 151 |
| Core capital (leverage) ratio | 33.2333% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.0840% | 122 |
| Memoranda: | ||
| Average total assets | $57,840,250 | 4,250 |
| Average earning assets | $50,009,250 | 4,271 |
| Average equity | $19,371,750 | 2,901 |
| Average total loans | $38,359,000 | 4,031 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,642 |
| Cost of funding earning assets | -10.0000% | 4,661 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.3835% | 4,044 |
| Pretax return on assets | 0.5068% | 3,955 |
| Return on Equity (ROE) | 1.1600% | 4,356 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.0000% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 7.0000% | 4,569 |
| Equity capital to assets | 5,436.0000% | 37 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $555,000 | 4,657 |
| Average earning assets | $4,342 | 4,630 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 1,563 |
| Cost of funding earning assets | 0.4898% | 3,728 |
| Net interest margin | 4.3367% | 762 |
| Noninterest income to average assets | 2.0100% | 228 |
| Noninterest expense to average assets | 5.1167% | 220 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4633% | 3,979 |
| Return on assets (ROA) | 0.4633% | 3,930 |
| Pretax return on assets | 0.6336% | 3,786 |
| Return on Equity (ROE) | 1.4100% | 4,350 |
| Retained earnings to average equity (ytd only) | 1.4089% | 3,802 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.9810% | 390 |
| Assets per employee ($millions) | 3.0768% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 1,851 |
| Loan loss allowance to noncurrent loans | 113.4490% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7886% | 609 |
| Noncurrent loans to loans | 1.1827% | 589 |
| Net loans and leases to total assets | 65.7800% | 2,082 |
| Net loans and leases to deposits | 100.7466% | 415 |
| Net loans and leases to core deposits | 114.5679% | 569 |
| Total domestic deposits to total assets | 65.3000% | 4,498 |
| Equity capital to assets | 33.0864% | 112 |
| Core capital (leverage) ratio | 32.4063% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.0916% | 118 |
| Memoranda: | ||
| Average total assets | $58,710,000 | 4,319 |
| Average earning assets | $50,637,000 | 4,347 |
| Average equity | $19,305,500 | 2,955 |
| Average total loans | $39,303,000 | 4,081 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 1,918 |
| Cost of funding earning assets | 0.4142% | 1,981 |
| Net interest margin | 3.5116% | 1,896 |
| Noninterest income to average assets | 3.1800% | 171 |
| Noninterest expense to average assets | 4.8592% | 231 |
| Loan and lease loss provision to assets | -0.1700% | 4,611 |
| Net operating income to assets | 1.7002% | 540 |
| Return on assets (ROA) | 1.7002% | 511 |
| Pretax return on assets | 1.5290% | 1,367 |
| Return on Equity (ROE) | 5.5900% | 3,911 |
| Retained earnings to average equity (ytd only) | 5.5935% | 2,789 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.1594% | 842 |
| Assets per employee ($millions) | 3.1032% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 1,784 |
| Loan loss allowance to noncurrent loans | 61.1888% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.4552% | 226 |
| Noncurrent loans to loans | 2.1652% | 241 |
| Net loans and leases to total assets | 66.3200% | 2,001 |
| Net loans and leases to deposits | 100.5943% | 418 |
| Net loans and leases to core deposits | 107.8500% | 678 |
| Total domestic deposits to total assets | 65.9200% | 4,533 |
| Equity capital to assets | 32.6809% | 116 |
| Core capital (leverage) ratio | 31.3215% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.5254% | 122 |
| Memoranda: | ||
| Average total assets | $61,347,400 | 4,325 |
| Average earning assets | $53,109,600 | 4,340 |
| Average equity | $18,646,800 | 3,067 |
| Average total loans | $41,861,000 | 4,031 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 1,969 |
| Cost of funding earning assets | 0.4142% | 1,196 |
| Net interest margin | 3.3089% | 2,268 |
| Noninterest income to average assets | 3.3100% | 170 |
| Noninterest expense to average assets | 4.8021% | 225 |
| Loan and lease loss provision to assets | -0.1100% | 4,594 |
| Net operating income to assets | 1.1171% | 2,015 |
| Return on assets (ROA) | 1.1171% | 1,981 |
| Pretax return on assets | 1.4895% | 1,441 |
| Return on Equity (ROE) | 3.7400% | 4,193 |
| Retained earnings to average equity (ytd only) | 3.7422% | 3,534 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.6811% | 942 |
| Assets per employee ($millions) | 3.1667% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 1,637 |
| Loan loss allowance to noncurrent loans | 138.2775% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6947% | 750 |
| Noncurrent loans to loans | 1.0062% | 765 |
| Net loans and leases to total assets | 68.0900% | 1,669 |
| Net loans and leases to deposits | 102.0527% | 302 |
| Net loans and leases to core deposits | 109.1583% | 493 |
| Total domestic deposits to total assets | 66.7200% | 4,577 |
| Equity capital to assets | 31.1566% | 113 |
| Core capital (leverage) ratio | 29.8365% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.9611% | 153 |
| Memoranda: | ||
| Average total assets | $61,944,000 | 4,353 |
| Average earning assets | $53,753,250 | 4,371 |
| Average equity | $18,491,250 | 3,114 |
| Average total loans | $42,419,750 | 4,046 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5307% | 2,038 |
| Cost of funding earning assets | 0.4119% | 848 |
| Net interest margin | 3.1188% | 2,475 |
| Noninterest income to average assets | 3.4284% | 135 |
| Noninterest expense to average assets | 4.7524% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0426% | 2,009 |
| Return on assets (ROA) | 1.0426% | 1,977 |
| Pretax return on assets | 1.3880% | 1,473 |
| Return on Equity (ROE) | 3.5423% | 4,123 |
| Retained earnings to average equity (ytd only) | 3.5423% | 3,256 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3958% | 1,137 |
| Assets per employee ($millions) | 3.2767% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 1,498 |
| Loan loss allowance to noncurrent loans | 131.5240% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.7694% | 678 |
| Noncurrent loans to loans | 1.1144% | 738 |
| Net loans and leases to total assets | 68.0293% | 1,475 |
| Net loans and leases to deposits | 99.4996% | 294 |
| Net loans and leases to core deposits | 105.9991% | 452 |
| Total domestic deposits to total assets | 68.3714% | 4,637 |
| Equity capital to assets | 29.7991% | 65 |
| Core capital (leverage) ratio | 28.9834% | 75 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5565% | 133 |
| Memoranda: | ||
| Average total assets | $62,536,333 | 4,391 |
| Average earning assets | $54,380,667 | 4,419 |
| Average equity | $18,406,333 | 3,195 |
| Average total loans | $42,711,667 | 4,091 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3446% | 2,259 |
| Cost of funding earning assets | 0.4327% | 709 |
| Net interest margin | 2.9118% | 2,796 |
| Noninterest income to average assets | 4.0143% | 123 |
| Noninterest expense to average assets | 4.7355% | 189 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3594% | 889 |
| Return on assets (ROA) | 1.3594% | 874 |
| Pretax return on assets | 1.8125% | 535 |
| Return on Equity (ROE) | 4.6472% | 3,714 |
| Retained earnings to average equity (ytd only) | 4.6472% | 2,722 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3197% | 1,935 |
| Assets per employee ($millions) | 3.2488% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 1,704 |
| Loan loss allowance to noncurrent loans | 80.7692% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.2636% | 334 |
| Noncurrent loans to loans | 1.7982% | 430 |
| Net loans and leases to total assets | 69.2506% | 1,089 |
| Net loans and leases to deposits | 101.6092% | 146 |
| Net loans and leases to core deposits | 109.2771% | 276 |
| Total domestic deposits to total assets | 68.1538% | 4,674 |
| Equity capital to assets | 29.8730% | 63 |
| Core capital (leverage) ratio | 28.8075% | 67 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5386% | 134 |
| Memoranda: | ||
| Average total assets | $62,676,000 | 4,410 |
| Average earning assets | $54,536,000 | 4,439 |
| Average equity | $18,333,500 | 3,293 |
| Average total loans | $42,576,000 | 4,111 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7675% | 1,948 |
| Cost of funding earning assets | 0.5479% | 720 |
| Net interest margin | 3.2196% | 2,556 |
| Noninterest income to average assets | 4.4593% | 122 |
| Noninterest expense to average assets | 5.0561% | 178 |
| Loan and lease loss provision to assets | -0.0918% | 4,510 |
| Net operating income to assets | 1.8198% | 489 |
| Return on assets (ROA) | 1.8198% | 509 |
| Pretax return on assets | 2.3083% | 341 |
| Return on Equity (ROE) | 6.2411% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.2411% | 2,255 |
| Net charge-offs to loans | 0.0096% | 2,205 |
| Credit loss provision to net charge-offs | -1,400.0000% | 3,991 |
| Earnings coverage of net charge-offs (x) | 338.0000% | 369 |
| Efficiency ratio | 69.5221% | 1,791 |
| Assets per employee ($millions) | 2.8920% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 1,519 |
| Loan loss allowance to noncurrent loans | 67.8149% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.4649% | 288 |
| Noncurrent loans to loans | 2.2238% | 331 |
| Net loans and leases to total assets | 64.6690% | 1,626 |
| Net loans and leases to deposits | 92.7588% | 425 |
| Net loans and leases to core deposits | 100.0219% | 536 |
| Total domestic deposits to total assets | 69.7174% | 4,689 |
| Equity capital to assets | 28.6480% | 66 |
| Core capital (leverage) ratio | 28.2778% | 69 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9014% | 133 |
| Memoranda: | ||
| Average total assets | $60,996,000 | 4,443 |
| Average earning assets | $53,298,400 | 4,473 |
| Average equity | $17,785,200 | 3,408 |
| Average total loans | $41,468,600 | 4,154 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 1,931 |
| Cost of funding earning assets | 0.5638% | 772 |
| Net interest margin | 3.2789% | 2,480 |
| Noninterest income to average assets | 5.0558% | 110 |
| Noninterest expense to average assets | 5.0823% | 174 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1323% | 372 |
| Return on assets (ROA) | 2.1323% | 393 |
| Pretax return on assets | 2.8394% | 216 |
| Return on Equity (ROE) | 7.2795% | 3,594 |
| Retained earnings to average equity (ytd only) | 7.2795% | 2,316 |
| Net charge-offs to loans | 0.0129% | 1,852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 321.2500% | 418 |
| Efficiency ratio | 64.1562% | 2,363 |
| Assets per employee ($millions) | 2.8078% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6748% | 1,162 |
| Loan loss allowance to noncurrent loans | 95.5432% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.1688% | 517 |
| Noncurrent loans to loans | 1.7529% | 562 |
| Net loans and leases to total assets | 65.1989% | 1,635 |
| Net loans and leases to deposits | 94.7044% | 390 |
| Net loans and leases to core deposits | 102.4523% | 509 |
| Total domestic deposits to total assets | 68.8446% | 4,763 |
| Equity capital to assets | 29.2710% | 70 |
| Core capital (leverage) ratio | 28.4668% | 75 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7922% | 199 |
| Memoranda: | ||
| Average total assets | $60,339,000 | 4,509 |
| Average earning assets | $52,739,750 | 4,543 |
| Average equity | $17,674,750 | 3,457 |
| Average total loans | $41,392,000 | 4,209 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9356% | 1,722 |
| Cost of funding earning assets | 0.5737% | 844 |
| Net interest margin | 3.3619% | 2,268 |
| Noninterest income to average assets | 6.2043% | 96 |
| Noninterest expense to average assets | 5.0550% | 175 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 3.0637% | 119 |
| Return on assets (ROA) | 3.0637% | 125 |
| Pretax return on assets | 4.0861% | 88 |
| Return on Equity (ROE) | 10.4565% | 2,599 |
| Retained earnings to average equity (ytd only) | 10.4565% | 1,265 |
| Net charge-offs to loans | 0.0193% | 1,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 305.7500% | 365 |
| Efficiency ratio | 55.2997% | 3,626 |
| Assets per employee ($millions) | 2.8150% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7690% | 935 |
| Loan loss allowance to noncurrent loans | 69.2230% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.6067% | 330 |
| Noncurrent loans to loans | 2.5555% | 318 |
| Net loans and leases to total assets | 61.5098% | 2,238 |
| Net loans and leases to deposits | 88.9670% | 714 |
| Net loans and leases to core deposits | 96.1799% | 794 |
| Total domestic deposits to total assets | 69.1377% | 4,775 |
| Equity capital to assets | 29.1184% | 68 |
| Core capital (leverage) ratio | 28.8053% | 69 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7095% | 204 |
| Memoranda: | ||
| Average total assets | $59,861,667 | 4,541 |
| Average earning assets | $52,292,000 | 4,569 |
| Average equity | $17,539,333 | 3,471 |
| Average total loans | $41,536,000 | 4,246 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8701% | 1,908 |
| Cost of funding earning assets | 0.5840% | 944 |
| Net interest margin | 3.2861% | 2,429 |
| Noninterest income to average assets | 5.3716% | 116 |
| Noninterest expense to average assets | 5.0521% | 173 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3934% | 318 |
| Return on assets (ROA) | 2.3934% | 346 |
| Pretax return on assets | 3.1890% | 192 |
| Return on Equity (ROE) | 8.1423% | 3,282 |
| Retained earnings to average equity (ytd only) | 8.1423% | 2,192 |
| Net charge-offs to loans | 0.0373% | 1,101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 117.2500% | 556 |
| Efficiency ratio | 61.3036% | 2,865 |
| Assets per employee ($millions) | 2.8437% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6899% | 1,068 |
| Loan loss allowance to noncurrent loans | 49.8909% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 2.3845% | 180 |
| Noncurrent loans to loans | 3.3873% | 208 |
| Net loans and leases to total assets | 66.8257% | 1,683 |
| Net loans and leases to deposits | 97.1517% | 369 |
| Net loans and leases to core deposits | 105.3706% | 531 |
| Total domestic deposits to total assets | 68.7850% | 4,790 |
| Equity capital to assets | 29.2525% | 67 |
| Core capital (leverage) ratio | 28.9687% | 67 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3328% | 386 |
| Memoranda: | ||
| Average total assets | $58,827,500 | 4,571 |
| Average earning assets | $51,368,000 | 4,599 |
| Average equity | $17,292,500 | 3,488 |
| Average total loans | $42,914,500 | 4,237 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 644 |
| Cost of funding earning assets | 0.7201% | 1,614 |
| Net interest margin | 4.1445% | 720 |
| Noninterest income to average assets | 4.3181% | 129 |
| Noninterest expense to average assets | 5.2631% | 173 |
| Loan and lease loss provision to assets | 0.4496% | 620 |
| Net operating income to assets | 1.7297% | 460 |
| Return on assets (ROA) | 1.7297% | 500 |
| Pretax return on assets | 2.2181% | 292 |
| Return on Equity (ROE) | 6.0096% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.0096% | 1,789 |
| Net charge-offs to loans | 0.1244% | 1,257 |
| Credit loss provision to net charge-offs | 447.3684% | 1,337 |
| Earnings coverage of net charge-offs (x) | 26.5439% | 1,713 |
| Efficiency ratio | 66.3628% | 2,475 |
| Assets per employee ($millions) | 2.8969% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 1,499 |
| Loan loss allowance to noncurrent loans | 53.1587% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 2.3129% | 214 |
| Noncurrent loans to loans | 2.8694% | 319 |
| Net loans and leases to total assets | 76.8870% | 704 |
| Net loans and leases to deposits | 112.2433% | 137 |
| Net loans and leases to core deposits | 122.1241% | 284 |
| Total domestic deposits to total assets | 68.5003% | 4,804 |
| Equity capital to assets | 29.5424% | 68 |
| Core capital (leverage) ratio | 28.7017% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2682% | 491 |
| Memoranda: | ||
| Average total assets | $56,715,400 | 4,560 |
| Average earning assets | $49,439,600 | 4,591 |
| Average equity | $16,323,800 | 3,517 |
| Average total loans | $45,831,800 | 4,188 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7807% | 908 |
| Cost of funding earning assets | 0.7376% | 1,815 |
| Net interest margin | 4.0431% | 1,026 |
| Noninterest income to average assets | 2.7016% | 216 |
| Noninterest expense to average assets | 5.2117% | 173 |
| Loan and lease loss provision to assets | 0.6027% | 417 |
| Net operating income to assets | 0.3096% | 4,429 |
| Return on assets (ROA) | 0.3096% | 4,480 |
| Pretax return on assets | 0.4113% | 4,415 |
| Return on Equity (ROE) | 1.0831% | 4,692 |
| Retained earnings to average equity (ytd only) | 1.0831% | 4,228 |
| Net charge-offs to loans | 0.1653% | 891 |
| Credit loss provision to net charge-offs | 447.3684% | 1,372 |
| Earnings coverage of net charge-offs (x) | 7.5263% | 2,572 |
| Efficiency ratio | 83.7130% | 626 |
| Assets per employee ($millions) | 2.9349% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 1,465 |
| Loan loss allowance to noncurrent loans | 54.6318% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 2.6168% | 191 |
| Noncurrent loans to loans | 2.6953% | 375 |
| Net loans and leases to total assets | 78.6565% | 751 |
| Net loans and leases to deposits | 115.6770% | 153 |
| Net loans and leases to core deposits | 125.7737% | 308 |
| Total domestic deposits to total assets | 67.9967% | 4,811 |
| Equity capital to assets | 27.7118% | 73 |
| Core capital (leverage) ratio | 27.7217% | 74 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9601% | 1,256 |
| Memoranda: | ||
| Average total assets | $56,410,000 | 4,577 |
| Average earning assets | $49,168,750 | 4,622 |
| Average equity | $16,125,750 | 3,536 |
| Average total loans | $45,980,750 | 4,209 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9476% | 898 |
| Cost of funding earning assets | 0.7275% | 2,254 |
| Net interest margin | 4.2201% | 884 |
| Noninterest income to average assets | 2.1564% | 266 |
| Noninterest expense to average assets | 5.2473% | 170 |
| Loan and lease loss provision to assets | 0.7799% | 320 |
| Net operating income to assets | -0.3019% | 4,878 |
| Return on assets (ROA) | -0.3019% | 4,878 |
| Pretax return on assets | -0.2013% | 4,851 |
| Return on Equity (ROE) | -1.0448% | 4,845 |
| Retained earnings to average equity (ytd only) | -1.0448% | 4,484 |
| Net charge-offs to loans | 0.2495% | 632 |
| Credit loss provision to net charge-offs | 380.7018% | 1,445 |
| Earnings coverage of net charge-offs (x) | 2.8246% | 2,731 |
| Efficiency ratio | 90.0679% | 386 |
| Assets per employee ($millions) | 2.9515% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 1,725 |
| Loan loss allowance to noncurrent loans | 49.7330% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 2.6834% | 197 |
| Noncurrent loans to loans | 2.7352% | 392 |
| Net loans and leases to total assets | 80.0932% | 585 |
| Net loans and leases to deposits | 121.0265% | 90 |
| Net loans and leases to core deposits | 132.8435% | 232 |
| Total domestic deposits to total assets | 66.1782% | 4,882 |
| Equity capital to assets | 27.1913% | 78 |
| Core capital (leverage) ratio | 26.7165% | 81 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2006% | 2,524 |
| Memoranda: | ||
| Average total assets | $55,647,667 | 4,604 |
| Average earning assets | $48,387,000 | 4,646 |
| Average equity | $16,079,000 | 3,545 |
| Average total loans | $45,688,000 | 4,224 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 868 |
| Cost of funding earning assets | 0.7201% | 2,838 |
| Net interest margin | 4.3377% | 708 |
| Noninterest income to average assets | 0.9267% | 1,007 |
| Noninterest expense to average assets | 5.2857% | 191 |
| Loan and lease loss provision to assets | 0.1186% | 2,210 |
| Net operating income to assets | -0.6301% | 4,950 |
| Return on assets (ROA) | -0.6301% | 4,926 |
| Pretax return on assets | -0.7265% | 4,925 |
| Return on Equity (ROE) | -2.1127% | 4,841 |
| Retained earnings to average equity (ytd only) | -2.1127% | 4,268 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9952% | 137 |
| Assets per employee ($millions) | 2.7002% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 3,000 |
| Loan loss allowance to noncurrent loans | 62.8713% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 2.0276% | 408 |
| Noncurrent loans to loans | 1.8106% | 827 |
| Net loans and leases to total assets | 81.6958% | 470 |
| Net loans and leases to deposits | 126.2021% | 53 |
| Net loans and leases to core deposits | 138.9925% | 177 |
| Total domestic deposits to total assets | 64.7341% | 4,981 |
| Equity capital to assets | 29.7219% | 70 |
| Core capital (leverage) ratio | 28.8081% | 75 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2507% | 618 |
| Memoranda: | ||
| Average total assets | $53,956,500 | 4,643 |
| Average earning assets | $46,661,000 | 4,698 |
| Average equity | $16,093,000 | 3,553 |
| Average total loans | $44,566,500 | 4,263 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0898% | 1,235 |
| Cost of funding earning assets | 0.5803% | 3,719 |
| Net interest margin | 4.5095% | 704 |
| Noninterest income to average assets | 1.6384% | 353 |
| Noninterest expense to average assets | 5.2918% | 180 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1781% | 4,857 |
| Return on assets (ROA) | 0.1781% | 4,879 |
| Pretax return on assets | 0.2394% | 4,860 |
| Return on Equity (ROE) | 0.5959% | 4,954 |
| Retained earnings to average equity (ytd only) | 0.5959% | 4,516 |
| Net charge-offs to loans | 0.0512% | 2,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 6.1429% | 3,003 |
| Efficiency ratio | 95.6726% | 213 |
| Assets per employee ($millions) | 2.6955% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 2,920 |
| Loan loss allowance to noncurrent loans | 45.8955% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 2.5988% | 241 |
| Noncurrent loans to loans | 2.4087% | 467 |
| Net loans and leases to total assets | 81.6450% | 594 |
| Net loans and leases to deposits | 126.3282% | 56 |
| Net loans and leases to core deposits | 136.6004% | 205 |
| Total domestic deposits to total assets | 64.6293% | 5,043 |
| Equity capital to assets | 29.9301% | 73 |
| Core capital (leverage) ratio | 27.4021% | 93 |
| Tier 1 risk-based capital ratio | 37.1764% | 286 |
| Total risk-based capital ratio | 38.4119% | 280 |
| Memoranda: | ||
| Average total assets | $53,894,400 | 4,683 |
| Average earning assets | $46,524,400 | 4,739 |
| Average equity | $16,110,600 | 3,531 |
| Average total loans | $40,984,000 | 4,386 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0240% | 1,481 |
| Cost of funding earning assets | 0.5506% | 3,925 |
| Net interest margin | 4.4735% | 817 |
| Noninterest income to average assets | 1.7591% | 322 |
| Noninterest expense to average assets | 5.2451% | 180 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2672% | 4,885 |
| Return on assets (ROA) | 0.2672% | 4,898 |
| Pretax return on assets | 0.3736% | 4,835 |
| Return on Equity (ROE) | 0.8942% | 5,023 |
| Retained earnings to average equity (ytd only) | 0.8942% | 4,593 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3509% | 249 |
| Assets per employee ($millions) | 2.6774% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 2,776 |
| Loan loss allowance to noncurrent loans | 42.5021% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 2.2653% | 334 |
| Noncurrent loans to loans | 2.7049% | 397 |
| Net loans and leases to total assets | 82.3728% | 521 |
| Net loans and leases to deposits | 124.8839% | 68 |
| Net loans and leases to core deposits | 134.8610% | 244 |
| Total domestic deposits to total assets | 65.9595% | 5,098 |
| Equity capital to assets | 30.1543% | 73 |
| Core capital (leverage) ratio | 27.9003% | 86 |
| Tier 1 risk-based capital ratio | 36.7566% | 311 |
| Total risk-based capital ratio | 38.0401% | 306 |
| Memoranda: | ||
| Average total assets | $53,890,750 | 4,752 |
| Average earning assets | $46,495,250 | 4,808 |
| Average equity | $16,104,500 | 3,566 |
| Average total loans | $40,103,500 | 4,459 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8867% | 1,793 |
| Cost of funding earning assets | 0.5329% | 3,966 |
| Net interest margin | 4.3537% | 1,031 |
| Noninterest income to average assets | 1.6443% | 345 |
| Noninterest expense to average assets | 5.1773% | 195 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1592% | 5,025 |
| Return on assets (ROA) | 0.1592% | 5,036 |
| Pretax return on assets | 0.2185% | 5,013 |
| Return on Equity (ROE) | 0.5345% | 5,083 |
| Retained earnings to average equity (ytd only) | 0.5345% | 4,561 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9506% | 204 |
| Assets per employee ($millions) | 2.5043% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,118 |
| Loan loss allowance to noncurrent loans | 88.4483% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.1143% | 1,216 |
| Noncurrent loans to loans | 1.4411% | 1,072 |
| Net loans and leases to total assets | 75.5509% | 1,618 |
| Net loans and leases to deposits | 111.7791% | 184 |
| Net loans and leases to core deposits | 119.7174% | 558 |
| Total domestic deposits to total assets | 67.5895% | 5,118 |
| Equity capital to assets | 30.5794% | 65 |
| Core capital (leverage) ratio | 27.3954% | 93 |
| Tier 1 risk-based capital ratio | 38.8168% | 257 |
| Total risk-based capital ratio | 40.1167% | 249 |
| Memoranda: | ||
| Average total assets | $54,005,000 | 4,789 |
| Average earning assets | $46,534,670 | 4,843 |
| Average equity | $16,090,330 | 3,564 |
| Average total loans | $38,597,330 | 4,528 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 2,249 |
| Cost of funding earning assets | 0.5262% | 3,938 |
| Net interest margin | 4.1675% | 1,384 |
| Noninterest income to average assets | 2.5735% | 183 |
| Noninterest expense to average assets | 5.0738% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8115% | 3,575 |
| Return on assets (ROA) | 0.8115% | 3,613 |
| Pretax return on assets | 1.0893% | 3,181 |
| Return on Equity (ROE) | 2.7587% | 4,839 |
| Retained earnings to average equity (ytd only) | 2.7587% | 3,833 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3250% | 842 |
| Assets per employee ($millions) | 2.5863% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 1,721 |
| Loan loss allowance to noncurrent loans | 87.8425% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.0863% | 1,273 |
| Noncurrent loans to loans | 1.5804% | 1,004 |
| Net loans and leases to total assets | 67.0926% | 2,885 |
| Net loans and leases to deposits | 98.3801% | 750 |
| Net loans and leases to core deposits | 104.0578% | 1,313 |
| Total domestic deposits to total assets | 68.1973% | 5,170 |
| Equity capital to assets | 29.7351% | 73 |
| Core capital (leverage) ratio | 27.1495% | 90 |
| Tier 1 risk-based capital ratio | 41.7124% | 209 |
| Total risk-based capital ratio | 43.0211% | 205 |
| Memoranda: | ||
| Average total assets | $54,712,000 | 4,825 |
| Average earning assets | $47,126,500 | 4,879 |
| Average equity | $16,094,500 | 3,568 |
| Average total loans | $37,773,000 | 4,598 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 2,781 |
| Cost of funding earning assets | 0.5394% | 3,115 |
| Net interest margin | 3.8550% | 2,483 |
| Noninterest income to average assets | 2.4550% | 202 |
| Noninterest expense to average assets | 4.8728% | 221 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7242% | 4,058 |
| Return on assets (ROA) | 0.7242% | 4,064 |
| Pretax return on assets | 0.9560% | 3,741 |
| Return on Equity (ROE) | 2.7063% | 4,959 |
| Retained earnings to average equity (ytd only) | 2.7063% | 4,046 |
| Net charge-offs to loans | 0.1347% | 1,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 10.4630% | 2,716 |
| Efficiency ratio | 83.5994% | 681 |
| Assets per employee ($millions) | 2.6241% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 1,907 |
| Loan loss allowance to noncurrent loans | 84.3750% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.1142% | 1,199 |
| Noncurrent loans to loans | 1.5754% | 936 |
| Net loans and leases to total assets | 69.1032% | 2,716 |
| Net loans and leases to deposits | 100.0736% | 745 |
| Net loans and leases to core deposits | 104.9817% | 1,346 |
| Total domestic deposits to total assets | 69.0524% | 5,182 |
| Equity capital to assets | 29.0967% | 73 |
| Core capital (leverage) ratio | 26.4208% | 92 |
| Tier 1 risk-based capital ratio | 40.0412% | 236 |
| Total risk-based capital ratio | 41.3496% | 230 |
| Memoranda: | ||
| Average total assets | $59,103,000 | 4,776 |
| Average earning assets | $51,725,400 | 4,822 |
| Average equity | $15,815,000 | 3,529 |
| Average total loans | $40,091,000 | 4,550 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3230% | 2,874 |
| Cost of funding earning assets | 0.5457% | 2,887 |
| Net interest margin | 3.7772% | 2,726 |
| Noninterest income to average assets | 2.2738% | 230 |
| Noninterest expense to average assets | 4.7363% | 242 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6433% | 4,387 |
| Return on assets (ROA) | 0.6433% | 4,395 |
| Pretax return on assets | 0.8541% | 4,157 |
| Return on Equity (ROE) | 2.4534% | 5,075 |
| Retained earnings to average equity (ytd only) | 2.4534% | 4,418 |
| Net charge-offs to loans | 0.1779% | 937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 7.1294% | 2,829 |
| Efficiency ratio | 84.7222% | 602 |
| Assets per employee ($millions) | 2.6185% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,249 |
| Loan loss allowance to noncurrent loans | 156.8807% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6365% | 2,281 |
| Noncurrent loans to loans | 0.8107% | 2,084 |
| Net loans and leases to total assets | 72.4176% | 2,267 |
| Net loans and leases to deposits | 104.6324% | 514 |
| Net loans and leases to core deposits | 109.7572% | 1,053 |
| Total domestic deposits to total assets | 69.2115% | 5,249 |
| Equity capital to assets | 28.9099% | 70 |
| Core capital (leverage) ratio | 25.4057% | 104 |
| Tier 1 risk-based capital ratio | 40.1421% | 233 |
| Total risk-based capital ratio | 41.4481% | 227 |
| Memoranda: | ||
| Average total assets | $60,102,250 | 4,814 |
| Average earning assets | $52,770,750 | 4,858 |
| Average equity | $15,760,250 | 3,561 |
| Average total loans | $40,465,500 | 4,582 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 2,980 |
| Cost of funding earning assets | 0.5579% | 2,536 |
| Net interest margin | 3.6813% | 3,006 |
| Noninterest income to average assets | 2.0645% | 264 |
| Noninterest expense to average assets | 4.6144% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5274% | 4,685 |
| Return on assets (ROA) | 0.5274% | 4,692 |
| Pretax return on assets | 0.6957% | 4,526 |
| Return on Equity (ROE) | 2.0745% | 5,165 |
| Retained earnings to average equity (ytd only) | 2.0745% | 4,432 |
| Net charge-offs to loans | 0.2666% | 600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.9815% | 2,836 |
| Efficiency ratio | 86.8982% | 526 |
| Assets per employee ($millions) | 2.7803% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,163 |
| Loan loss allowance to noncurrent loans | 94.3015% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.0739% | 1,380 |
| Noncurrent loans to loans | 1.3798% | 1,236 |
| Net loans and leases to total assets | 66.6495% | 3,059 |
| Net loans and leases to deposits | 93.3369% | 1,432 |
| Net loans and leases to core deposits | 97.4873% | 1,926 |
| Total domestic deposits to total assets | 71.4075% | 5,216 |
| Equity capital to assets | 27.0082% | 92 |
| Core capital (leverage) ratio | 23.8710% | 127 |
| Tier 1 risk-based capital ratio | 39.2231% | 239 |
| Total risk-based capital ratio | 40.5281% | 236 |
| Memoranda: | ||
| Average total assets | $61,807,000 | 4,835 |
| Average earning assets | $54,491,670 | 4,887 |
| Average equity | $15,714,670 | 3,584 |
| Average total loans | $40,509,330 | 4,622 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0133% | 3,559 |
| Cost of funding earning assets | 0.5621% | 2,304 |
| Net interest margin | 3.4511% | 3,699 |
| Noninterest income to average assets | 2.4686% | 201 |
| Noninterest expense to average assets | 4.1689% | 426 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0265% | 2,745 |
| Return on assets (ROA) | 1.0265% | 2,764 |
| Pretax return on assets | 1.3540% | 2,172 |
| Return on Equity (ROE) | 4.1562% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.1562% | 3,531 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4846% | 1,668 |
| Assets per employee ($millions) | 2.9366% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,848 |
| Loan loss allowance to noncurrent loans | 55.3171% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.6751% | 778 |
| Noncurrent loans to loans | 2.5281% | 535 |
| Net loans and leases to total assets | 64.8251% | 3,199 |
| Net loans and leases to deposits | 89.4500% | 1,755 |
| Net loans and leases to core deposits | 93.1713% | 2,191 |
| Total domestic deposits to total assets | 72.4708% | 5,253 |
| Equity capital to assets | 25.5704% | 96 |
| Core capital (leverage) ratio | 22.6207% | 137 |
| Tier 1 risk-based capital ratio | 37.2977% | 271 |
| Total risk-based capital ratio | 38.6045% | 266 |
| Memoranda: | ||
| Average total assets | $63,517,500 | 4,861 |
| Average earning assets | $56,213,500 | 4,907 |
| Average equity | $15,687,500 | 3,625 |
| Average total loans | $41,050,500 | 4,662 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 4,308 |
| Cost of funding earning assets | 0.6045% | 1,569 |
| Net interest margin | 3.1073% | 4,678 |
| Noninterest income to average assets | 2.4250% | 227 |
| Noninterest expense to average assets | 4.0067% | 529 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.6068% | 643 |
| Return on assets (ROA) | 1.6068% | 659 |
| Pretax return on assets | 1.1844% | 2,829 |
| Return on Equity (ROE) | 7.2791% | 3,131 |
| Retained earnings to average equity (ytd only) | 7.2791% | 989 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1845% | 1,459 |
| Assets per employee ($millions) | 3.1127% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 1,913 |
| Loan loss allowance to noncurrent loans | 68.5611% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.2774% | 1,143 |
| Noncurrent loans to loans | 1.9900% | 769 |
| Net loans and leases to total assets | 62.7084% | 3,525 |
| Net loans and leases to deposits | 84.1891% | 2,474 |
| Net loans and leases to core deposits | 87.3875% | 2,776 |
| Total domestic deposits to total assets | 74.4852% | 5,141 |
| Equity capital to assets | 23.8748% | 118 |
| Core capital (leverage) ratio | 21.2435% | 166 |
| Tier 1 risk-based capital ratio | 35.5087% | 308 |
| Total risk-based capital ratio | 36.8119% | 302 |
| Memoranda: | ||
| Average total assets | $67,462,600 | 4,821 |
| Average earning assets | $60,051,800 | 4,856 |
| Average equity | $14,892,000 | 3,726 |
| Average total loans | $40,976,600 | 4,704 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5694% | 4,636 |
| Cost of funding earning assets | 0.6122% | 1,446 |
| Net interest margin | 2.9573% | 5,008 |
| Noninterest income to average assets | 2.4926% | 226 |
| Noninterest expense to average assets | 3.9850% | 525 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7531% | 3,720 |
| Return on assets (ROA) | 0.7531% | 3,781 |
| Pretax return on assets | 1.1414% | 3,152 |
| Return on Equity (ROE) | 3.4797% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.4797% | 3,849 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7353% | 1,362 |
| Assets per employee ($millions) | 3.1730% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 2,104 |
| Loan loss allowance to noncurrent loans | 52.7933% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.6253% | 907 |
| Noncurrent loans to loans | 2.5648% | 579 |
| Net loans and leases to total assets | 61.9933% | 3,651 |
| Net loans and leases to deposits | 82.7153% | 2,690 |
| Net loans and leases to core deposits | 85.7724% | 2,988 |
| Total domestic deposits to total assets | 74.9478% | 5,132 |
| Equity capital to assets | 22.3703% | 143 |
| Core capital (leverage) ratio | 20.6309% | 189 |
| Tier 1 risk-based capital ratio | 34.3258% | 344 |
| Total risk-based capital ratio | 35.6154% | 332 |
| Memoranda: | ||
| Average total assets | $67,986,750 | 4,860 |
| Average earning assets | $60,549,750 | 4,897 |
| Average equity | $14,713,500 | 3,790 |
| Average total loans | $40,831,500 | 4,752 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3977% | 4,976 |
| Cost of funding earning assets | 0.6133% | 1,371 |
| Net interest margin | 2.7844% | 5,266 |
| Noninterest income to average assets | 2.6915% | 207 |
| Noninterest expense to average assets | 3.8897% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8475% | 3,167 |
| Return on assets (ROA) | 0.8475% | 3,214 |
| Pretax return on assets | 1.2829% | 2,452 |
| Return on Equity (ROE) | 3.9592% | 4,839 |
| Retained earnings to average equity (ytd only) | 3.9592% | 3,348 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1977% | 1,828 |
| Assets per employee ($millions) | 3.1779% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3607% | 2,115 |
| Loan loss allowance to noncurrent loans | 43.6826% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.9585% | 661 |
| Noncurrent loans to loans | 3.1149% | 401 |
| Net loans and leases to total assets | 61.5929% | 3,675 |
| Net loans and leases to deposits | 81.6998% | 2,728 |
| Net loans and leases to core deposits | 85.5727% | 2,922 |
| Total domestic deposits to total assets | 75.3892% | 5,155 |
| Equity capital to assets | 22.1952% | 145 |
| Core capital (leverage) ratio | 20.2263% | 198 |
| Tier 1 risk-based capital ratio | 31.3830% | 423 |
| Total risk-based capital ratio | 32.6696% | 416 |
| Memoranda: | ||
| Average total assets | $68,438,000 | 4,885 |
| Average earning assets | $60,982,000 | 4,924 |
| Average equity | $14,649,330 | 3,803 |
| Average total loans | $40,483,670 | 4,791 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2465% | 5,182 |
| Cost of funding earning assets | 0.6144% | 1,276 |
| Net interest margin | 2.6321% | 5,449 |
| Noninterest income to average assets | 2.2861% | 262 |
| Noninterest expense to average assets | 3.8332% | 654 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5311% | 4,460 |
| Return on assets (ROA) | 0.5311% | 4,502 |
| Pretax return on assets | 0.8024% | 4,103 |
| Return on Equity (ROE) | 2.5261% | 5,222 |
| Retained earnings to average equity (ytd only) | 2.5261% | 4,131 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6899% | 1,095 |
| Assets per employee ($millions) | 3.3010% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 1,890 |
| Loan loss allowance to noncurrent loans | 58.9397% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.4007% | 1,192 |
| Noncurrent loans to loans | 2.4481% | 643 |
| Net loans and leases to total assets | 55.8683% | 4,191 |
| Net loans and leases to deposits | 72.9373% | 3,518 |
| Net loans and leases to core deposits | 75.4584% | 3,702 |
| Total domestic deposits to total assets | 76.5976% | 5,163 |
| Equity capital to assets | 21.0813% | 168 |
| Core capital (leverage) ratio | 19.7578% | 206 |
| Tier 1 risk-based capital ratio | 33.5301% | 364 |
| Total risk-based capital ratio | 34.8179% | 358 |
| Memoranda: | ||
| Average total assets | $69,289,500 | 4,928 |
| Average earning assets | $61,851,000 | 4,954 |
| Average equity | $14,568,000 | 3,842 |
| Average total loans | $39,890,000 | 4,855 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4895% | 4,809 |
| Cost of funding earning assets | 0.7845% | 546 |
| Net interest margin | 2.7050% | 5,415 |
| Noninterest income to average assets | 2.6072% | 242 |
| Noninterest expense to average assets | 4.5103% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3468% | 5,089 |
| Return on assets (ROA) | 0.3468% | 5,173 |
| Pretax return on assets | 0.5247% | 4,976 |
| Return on Equity (ROE) | 1.6225% | 5,468 |
| Retained earnings to average equity (ytd only) | 1.6225% | 4,608 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5784% | 583 |
| Assets per employee ($millions) | 3.1455% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 2,077 |
| Loan loss allowance to noncurrent loans | 55.6974% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 2.1936% | 598 |
| Noncurrent loans to loans | 2.5146% | 627 |
| Net loans and leases to total assets | 57.6827% | 4,098 |
| Net loans and leases to deposits | 74.9432% | 3,422 |
| Net loans and leases to core deposits | 77.5389% | 3,602 |
| Total domestic deposits to total assets | 76.9685% | 5,119 |
| Equity capital to assets | 20.9332% | 177 |
| Core capital (leverage) ratio | 19.8846% | 200 |
| Tier 1 risk-based capital ratio | 34.7669% | 326 |
| Total risk-based capital ratio | 36.0454% | 323 |
| Memoranda: | ||
| Average total assets | $66,891,600 | 4,989 |
| Average earning assets | $60,037,400 | 5,018 |
| Average equity | $14,298,600 | 3,907 |
| Average total loans | $41,574,800 | 4,830 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 4,650 |
| Cost of funding earning assets | 0.8251% | 436 |
| Net interest margin | 2.7368% | 5,448 |
| Noninterest income to average assets | 1.9060% | 373 |
| Noninterest expense to average assets | 4.3650% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0020% | 5,716 |
| Return on assets (ROA) | 0.0020% | 5,738 |
| Pretax return on assets | 0.0020% | 5,730 |
| Return on Equity (ROE) | 0.0093% | 5,739 |
| Retained earnings to average equity (ytd only) | 0.0093% | 5,344 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9540% | 225 |
| Assets per employee ($millions) | 3.1618% | 5,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 2,090 |
| Loan loss allowance to noncurrent loans | 29.4545% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 2.9142% | 407 |
| Noncurrent loans to loans | 4.8339% | 181 |
| Net loans and leases to total assets | 59.1223% | 3,982 |
| Net loans and leases to deposits | 77.5289% | 3,238 |
| Net loans and leases to core deposits | 80.3537% | 3,412 |
| Total domestic deposits to total assets | 76.2583% | 5,199 |
| Equity capital to assets | 21.4690% | 185 |
| Core capital (leverage) ratio | 20.3030% | 192 |
| Tier 1 risk-based capital ratio | 38.0339% | 263 |
| Total risk-based capital ratio | 39.3129% | 262 |
| Memoranda: | ||
| Average total assets | $66,314,250 | 5,046 |
| Average earning assets | $59,631,250 | 5,073 |
| Average equity | $14,251,750 | 3,946 |
| Average total loans | $41,847,500 | 4,861 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6662% | 4,396 |
| Cost of funding earning assets | 0.8930% | 302 |
| Net interest margin | 2.7731% | 5,476 |
| Noninterest income to average assets | 1.7228% | 429 |
| Noninterest expense to average assets | 4.4021% | 417 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1237% | 5,822 |
| Return on assets (ROA) | -0.1237% | 5,840 |
| Pretax return on assets | -0.1871% | 5,855 |
| Return on Equity (ROE) | -0.5754% | 5,819 |
| Retained earnings to average equity (ytd only) | -0.5754% | 5,379 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4381% | 186 |
| Assets per employee ($millions) | 3.0106% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 2,394 |
| Loan loss allowance to noncurrent loans | 41.5994% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 2.0730% | 768 |
| Noncurrent loans to loans | 3.3120% | 415 |
| Net loans and leases to total assets | 61.2782% | 3,711 |
| Net loans and leases to deposits | 80.2321% | 2,903 |
| Net loans and leases to core deposits | 83.1513% | 3,152 |
| Total domestic deposits to total assets | 76.3762% | 5,238 |
| Equity capital to assets | 21.4588% | 171 |
| Core capital (leverage) ratio | 20.1087% | 193 |
| Tier 1 risk-based capital ratio | 37.9171% | 266 |
| Total risk-based capital ratio | 39.1950% | 265 |
| Memoranda: | ||
| Average total assets | $66,286,330 | 5,094 |
| Average earning assets | $59,571,670 | 5,125 |
| Average equity | $14,250,670 | 3,964 |
| Average total loans | $42,522,330 | 4,881 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5966% | 4,619 |
| Cost of funding earning assets | 0.9412% | 233 |
| Net interest margin | 2.6554% | 5,659 |
| Noninterest income to average assets | 2.4068% | 266 |
| Noninterest expense to average assets | 4.5059% | 393 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1870% | 5,553 |
| Return on assets (ROA) | 0.1870% | 5,608 |
| Pretax return on assets | 0.2835% | 5,538 |
| Return on Equity (ROE) | 0.8690% | 5,715 |
| Retained earnings to average equity (ytd only) | 0.8690% | 4,878 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0806% | 448 |
| Assets per employee ($millions) | 2.9208% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 2,487 |
| Loan loss allowance to noncurrent loans | 36.7228% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 2.4412% | 621 |
| Noncurrent loans to loans | 3.7760% | 336 |
| Net loans and leases to total assets | 60.0232% | 3,768 |
| Net loans and leases to deposits | 78.5487% | 2,946 |
| Net loans and leases to core deposits | 81.7712% | 3,150 |
| Total domestic deposits to total assets | 76.4152% | 5,368 |
| Equity capital to assets | 21.2641% | 171 |
| Core capital (leverage) ratio | 20.1040% | 194 |
| Tier 1 risk-based capital ratio | 37.2363% | 282 |
| Total risk-based capital ratio | 38.5174% | 279 |
| Memoranda: | ||
| Average total assets | $66,312,500 | 5,141 |
| Average earning assets | $59,501,000 | 5,172 |
| Average equity | $14,269,500 | 3,974 |
| Average total loans | $43,206,500 | 4,890 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3019% | 2,227 |
| Cost of funding earning assets | 1.0153% | 162 |
| Net interest margin | 3.2867% | 4,342 |
| Noninterest income to average assets | 3.0718% | 198 |
| Noninterest expense to average assets | 4.3612% | 453 |
| Loan and lease loss provision to assets | 0.1963% | 1,105 |
| Net operating income to assets | 0.9080% | 2,821 |
| Return on assets (ROA) | 0.9080% | 2,906 |
| Pretax return on assets | 1.4537% | 1,705 |
| Return on Equity (ROE) | 4.0639% | 4,917 |
| Retained earnings to average equity (ytd only) | 4.0639% | 3,118 |
| Net charge-offs to loans | 0.3017% | 1,000 |
| Credit loss provision to net charge-offs | 85.4167% | 2,847 |
| Earnings coverage of net charge-offs (x) | 7.1806% | 3,110 |
| Efficiency ratio | 72.5511% | 2,822 |
| Assets per employee ($millions) | 2.9748% | 5,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 3,206 |
| Loan loss allowance to noncurrent loans | 29.2570% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 3.1507% | 405 |
| Noncurrent loans to loans | 4.2572% | 269 |
| Net loans and leases to total assets | 68.6917% | 2,590 |
| Net loans and leases to deposits | 90.3856% | 1,566 |
| Net loans and leases to core deposits | 94.2336% | 2,032 |
| Total domestic deposits to total assets | 75.9985% | 5,441 |
| Equity capital to assets | 21.7798% | 154 |
| Core capital (leverage) ratio | 21.0500% | 159 |
| Tier 1 risk-based capital ratio | 37.2053% | 274 |
| Total risk-based capital ratio | 38.4603% | 272 |
| Memoranda: | ||
| Average total assets | $62,666,600 | 5,253 |
| Average earning assets | $56,044,600 | 5,292 |
| Average equity | $14,001,200 | 3,974 |
| Average total loans | $47,733,000 | 4,735 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 1,825 |
| Cost of funding earning assets | 1.0250% | 160 |
| Net interest margin | 3.4024% | 3,950 |
| Noninterest income to average assets | 2.9497% | 221 |
| Noninterest expense to average assets | 4.1825% | 543 |
| Loan and lease loss provision to assets | 0.0925% | 2,318 |
| Net operating income to assets | 1.1016% | 1,995 |
| Return on assets (ROA) | 1.1016% | 2,079 |
| Pretax return on assets | 1.7169% | 1,060 |
| Return on Equity (ROE) | 4.8978% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.8978% | 2,987 |
| Net charge-offs to loans | 0.1767% | 1,418 |
| Credit loss provision to net charge-offs | 67.1875% | 2,815 |
| Earnings coverage of net charge-offs (x) | 13.1409% | 2,351 |
| Efficiency ratio | 69.8025% | 3,239 |
| Assets per employee ($millions) | 3.1110% | 5,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 3,507 |
| Loan loss allowance to noncurrent loans | 27.3913% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 3.3629% | 401 |
| Noncurrent loans to loans | 4.4754% | 247 |
| Net loans and leases to total assets | 69.9300% | 2,396 |
| Net loans and leases to deposits | 92.1628% | 1,385 |
| Net loans and leases to core deposits | 96.0920% | 1,868 |
| Total domestic deposits to total assets | 75.8767% | 5,507 |
| Equity capital to assets | 21.7309% | 165 |
| Core capital (leverage) ratio | 21.2281% | 166 |
| Tier 1 risk-based capital ratio | 28.0259% | 621 |
| Total risk-based capital ratio | 29.1751% | 610 |
| Memoranda: | ||
| Average total assets | $61,971,750 | 5,342 |
| Average earning assets | $55,411,000 | 5,375 |
| Average equity | $13,938,000 | 4,030 |
| Average total loans | $48,285,500 | 4,778 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 1,482 |
| Cost of funding earning assets | 1.0488% | 131 |
| Net interest margin | 3.4665% | 3,635 |
| Noninterest income to average assets | 3.2341% | 197 |
| Noninterest expense to average assets | 4.2464% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3442% | 1,207 |
| Return on assets (ROA) | 1.3442% | 1,250 |
| Pretax return on assets | 2.0837% | 505 |
| Return on Equity (ROE) | 5.9054% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.9054% | 2,301 |
| Net charge-offs to loans | 0.0858% | 2,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 30.1905% | 1,362 |
| Efficiency ratio | 67.0820% | 3,820 |
| Assets per employee ($millions) | 2.8366% | 5,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 3,837 |
| Loan loss allowance to noncurrent loans | 26.7832% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 3.5574% | 401 |
| Noncurrent loans to loans | 4.4526% | 308 |
| Net loans and leases to total assets | 75.2792% | 1,469 |
| Net loans and leases to deposits | 100.1834% | 646 |
| Net loans and leases to core deposits | 104.6980% | 1,149 |
| Total domestic deposits to total assets | 75.1414% | 5,692 |
| Equity capital to assets | 22.5847% | 135 |
| Core capital (leverage) ratio | 21.6611% | 145 |
| Tier 1 risk-based capital ratio | 32.9297% | 428 |
| Total risk-based capital ratio | 34.1963% | 421 |
| Memoranda: | ||
| Average total assets | $60,852,000 | 5,424 |
| Average earning assets | $54,348,330 | 5,454 |
| Average equity | $13,851,670 | 4,072 |
| Average total loans | $48,963,000 | 4,785 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 1,471 |
| Cost of funding earning assets | 1.0514% | 133 |
| Net interest margin | 3.4451% | 3,643 |
| Noninterest income to average assets | 2.1639% | 327 |
| Noninterest expense to average assets | 4.2746% | 515 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6059% | 4,262 |
| Return on assets (ROA) | 0.6059% | 4,357 |
| Pretax return on assets | 0.9655% | 3,627 |
| Return on Equity (ROE) | 2.6510% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.6510% | 4,361 |
| Net charge-offs to loans | 0.1691% | 1,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.9048% | 2,234 |
| Efficiency ratio | 81.5756% | 1,673 |
| Assets per employee ($millions) | 2.7635% | 5,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 4,068 |
| Loan loss allowance to noncurrent loans | 28.6508% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 3.4245% | 492 |
| Noncurrent loans to loans | 4.1281% | 406 |
| Net loans and leases to total assets | 77.9200% | 940 |
| Net loans and leases to deposits | 104.1256% | 363 |
| Net loans and leases to core deposits | 109.5988% | 762 |
| Total domestic deposits to total assets | 74.8326% | 5,842 |
| Equity capital to assets | 22.6590% | 136 |
| Core capital (leverage) ratio | 21.7438% | 141 |
| Tier 1 risk-based capital ratio | 29.5912% | 561 |
| Total risk-based capital ratio | 30.8496% | 552 |
| Memoranda: | ||
| Average total assets | $60,075,500 | 5,500 |
| Average earning assets | $53,641,500 | 5,522 |
| Average equity | $13,730,500 | 4,122 |
| Average total loans | $49,672,000 | 4,795 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8321% | 1,049 |
| Cost of funding earning assets | 1.0523% | 179 |
| Net interest margin | 3.7798% | 2,693 |
| Noninterest income to average assets | 2.5850% | 228 |
| Noninterest expense to average assets | 4.6632% | 402 |
| Loan and lease loss provision to assets | 0.0481% | 3,608 |
| Net operating income to assets | 0.7712% | 3,511 |
| Return on assets (ROA) | 0.7712% | 3,610 |
| Pretax return on assets | 1.1989% | 2,655 |
| Return on Equity (ROE) | 3.3321% | 5,360 |
| Retained earnings to average equity (ytd only) | 3.3321% | 3,853 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9015% | 2,077 |
| Assets per employee ($millions) | 2.8264% | 5,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 4,318 |
| Loan loss allowance to noncurrent loans | 31.4607% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 3.2534% | 588 |
| Noncurrent loans to loans | 3.6359% | 548 |
| Net loans and leases to total assets | 85.6151% | 233 |
| Net loans and leases to deposits | 115.2107% | 143 |
| Net loans and leases to core deposits | 120.8208% | 395 |
| Total domestic deposits to total assets | 74.3118% | 5,921 |
| Equity capital to assets | 23.0566% | 129 |
| Core capital (leverage) ratio | 23.8378% | 109 |
| Tier 1 risk-based capital ratio | 30.8794% | 476 |
| Total risk-based capital ratio | 32.1311% | 467 |
| Memoranda: | ||
| Average total assets | $58,221,400 | 5,594 |
| Average earning assets | $51,219,800 | 5,639 |
| Average equity | $13,474,800 | 4,109 |
| Average total loans | $48,867,200 | 4,859 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 1,020 |
| Cost of funding earning assets | 1.0519% | 188 |
| Net interest margin | 3.8010% | 2,621 |
| Noninterest income to average assets | 2.7431% | 218 |
| Noninterest expense to average assets | 4.6646% | 397 |
| Loan and lease loss provision to assets | 0.0391% | 3,627 |
| Net operating income to assets | 0.9067% | 2,881 |
| Return on assets (ROA) | 0.9067% | 2,975 |
| Pretax return on assets | 1.3738% | 2,102 |
| Return on Equity (ROE) | 3.9138% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.9138% | 3,859 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7512% | 2,378 |
| Assets per employee ($millions) | 2.8511% | 5,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 4,207 |
| Loan loss allowance to noncurrent loans | 30.7405% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 3.2385% | 694 |
| Noncurrent loans to loans | 3.9108% | 558 |
| Net loans and leases to total assets | 79.1976% | 810 |
| Net loans and leases to deposits | 106.6004% | 307 |
| Net loans and leases to core deposits | 111.7374% | 670 |
| Total domestic deposits to total assets | 74.2939% | 5,995 |
| Equity capital to assets | 22.7649% | 137 |
| Core capital (leverage) ratio | 23.9730% | 104 |
| Tier 1 risk-based capital ratio | 31.8252% | 448 |
| Total risk-based capital ratio | 33.0766% | 439 |
| Memoranda: | ||
| Average total assets | $57,938,250 | 5,664 |
| Average earning assets | $50,827,750 | 5,709 |
| Average equity | $13,422,250 | 4,146 |
| Average total loans | $48,233,000 | 4,926 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 949 |
| Cost of funding earning assets | 1.0548% | 190 |
| Net interest margin | 3.8197% | 2,485 |
| Noninterest income to average assets | 2.6705% | 224 |
| Noninterest expense to average assets | 4.7475% | 370 |
| Loan and lease loss provision to assets | 0.0384% | 3,531 |
| Net operating income to assets | 0.8064% | 3,290 |
| Return on assets (ROA) | 0.8064% | 3,397 |
| Pretax return on assets | 1.2218% | 2,567 |
| Return on Equity (ROE) | 3.4599% | 5,360 |
| Retained earnings to average equity (ytd only) | 3.4599% | 3,999 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0238% | 2,165 |
| Assets per employee ($millions) | 2.7265% | 6,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 4,613 |
| Loan loss allowance to noncurrent loans | 33.0631% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 3.2223% | 767 |
| Noncurrent loans to loans | 3.5111% | 752 |
| Net loans and leases to total assets | 84.9084% | 242 |
| Net loans and leases to deposits | 115.0974% | 131 |
| Net loans and leases to core deposits | 120.9413% | 353 |
| Total domestic deposits to total assets | 73.7709% | 6,133 |
| Equity capital to assets | 23.5203% | 115 |
| Core capital (leverage) ratio | 24.4599% | 92 |
| Tier 1 risk-based capital ratio | 29.6730% | 538 |
| Total risk-based capital ratio | 30.9244% | 528 |
| Memoranda: | ||
| Average total assets | $57,293,330 | 5,731 |
| Average earning assets | $50,056,000 | 5,789 |
| Average equity | $13,353,000 | 4,158 |
| Average total loans | $48,312,330 | 4,954 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 941 |
| Cost of funding earning assets | 1.0508% | 207 |
| Net interest margin | 3.8022% | 2,466 |
| Noninterest income to average assets | 2.6312% | 218 |
| Noninterest expense to average assets | 4.5924% | 416 |
| Loan and lease loss provision to assets | 0.0768% | 2,609 |
| Net operating income to assets | 0.8375% | 2,964 |
| Return on assets (ROA) | 0.8375% | 3,036 |
| Pretax return on assets | 1.2703% | 2,213 |
| Return on Equity (ROE) | 3.6101% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.6101% | 3,964 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3208% | 2,592 |
| Assets per employee ($millions) | 2.9381% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 4,714 |
| Loan loss allowance to noncurrent loans | 39.8743% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 3.3491% | 786 |
| Noncurrent loans to loans | 2.9693% | 1,077 |
| Net loans and leases to total assets | 81.1000% | 450 |
| Net loans and leases to deposits | 111.6013% | 124 |
| Net loans and leases to core deposits | 117.2032% | 378 |
| Total domestic deposits to total assets | 72.6694% | 6,325 |
| Equity capital to assets | 22.7290% | 132 |
| Core capital (leverage) ratio | 24.1539% | 103 |
| Tier 1 risk-based capital ratio | 28.5249% | 606 |
| Total risk-based capital ratio | 29.7756% | 590 |
| Memoranda: | ||
| Average total assets | $57,311,500 | 5,783 |
| Average earning assets | $49,866,000 | 5,844 |
| Average equity | $13,296,000 | 4,184 |
| Average total loans | $47,875,000 | 5,015 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2948% | 533 |
| Cost of funding earning assets | 1.1634% | 208 |
| Net interest margin | 4.1314% | 1,564 |
| Noninterest income to average assets | 4.6786% | 149 |
| Noninterest expense to average assets | 4.7773% | 417 |
| Loan and lease loss provision to assets | 0.2767% | 1,264 |
| Net operating income to assets | 2.1342% | 274 |
| Return on assets (ROA) | 2.1342% | 276 |
| Pretax return on assets | 3.2391% | 95 |
| Return on Equity (ROE) | 8.6905% | 2,706 |
| Retained earnings to average equity (ytd only) | 8.6905% | 849 |
| Net charge-offs to loans | 0.2834% | 2,277 |
| Credit loss provision to net charge-offs | 114.4000% | 2,112 |
| Earnings coverage of net charge-offs (x) | 14.5360% | 1,934 |
| Efficiency ratio | 57.6062% | 5,782 |
| Assets per employee ($millions) | 2.7931% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 4,768 |
| Loan loss allowance to noncurrent loans | 29.2276% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 4.6168% | 532 |
| Noncurrent loans to loans | 4.0317% | 720 |
| Net loans and leases to total assets | 84.0712% | 250 |
| Net loans and leases to deposits | 117.0914% | 89 |
| Net loans and leases to core deposits | 122.0738% | 298 |
| Total domestic deposits to total assets | 71.7996% | 6,435 |
| Equity capital to assets | 23.6945% | 115 |
| Core capital (leverage) ratio | 24.6425% | 92 |
| Tier 1 risk-based capital ratio | 30.3948% | 486 |
| Total risk-based capital ratio | 31.6447% | 481 |
| Memoranda: | ||
| Average total assets | $51,681,600 | 5,973 |
| Average earning assets | $45,214,200 | 6,014 |
| Average equity | $12,692,000 | 4,315 |
| Average total loans | $44,114,800 | 5,185 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4364% | 410 |
| Cost of funding earning assets | 1.1911% | 207 |
| Net interest margin | 4.2453% | 1,210 |
| Noninterest income to average assets | 5.0818% | 137 |
| Noninterest expense to average assets | 4.4973% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.8437% | 127 |
| Return on assets (ROA) | 2.8437% | 129 |
| Pretax return on assets | 4.3103% | 66 |
| Return on Equity (ROE) | 11.4683% | 1,663 |
| Retained earnings to average equity (ytd only) | 11.4683% | 505 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0613% | 6,325 |
| Assets per employee ($millions) | 2.7465% | 6,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 5,030 |
| Loan loss allowance to noncurrent loans | 25.1158% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 5.2013% | 523 |
| Noncurrent loans to loans | 4.6531% | 681 |
| Net loans and leases to total assets | 83.4459% | 276 |
| Net loans and leases to deposits | 119.6731% | 71 |
| Net loans and leases to core deposits | 124.0554% | 262 |
| Total domestic deposits to total assets | 69.7282% | 6,611 |
| Equity capital to assets | 24.0474% | 105 |
| Core capital (leverage) ratio | 24.9116% | 86 |
| Tier 1 risk-based capital ratio | 30.8042% | 484 |
| Total risk-based capital ratio | 32.0555% | 481 |
| Memoranda: | ||
| Average total assets | $50,636,750 | 6,071 |
| Average earning assets | $44,440,000 | 6,109 |
| Average equity | $12,556,000 | 4,389 |
| Average total loans | $43,262,750 | 5,266 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2589% | 570 |
| Cost of funding earning assets | 1.1707% | 238 |
| Net interest margin | 4.0882% | 1,576 |
| Noninterest income to average assets | 3.9589% | 187 |
| Noninterest expense to average assets | 4.6092% | 480 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9510% | 386 |
| Return on assets (ROA) | 1.9510% | 417 |
| Pretax return on assets | 2.9549% | 151 |
| Return on Equity (ROE) | 7.7806% | 3,202 |
| Retained earnings to average equity (ytd only) | 7.7806% | 1,573 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9350% | 5,345 |
| Assets per employee ($millions) | 2.4443% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 5,166 |
| Loan loss allowance to noncurrent loans | 27.1815% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 4.8498% | 640 |
| Noncurrent loans to loans | 4.2920% | 855 |
| Net loans and leases to total assets | 85.3854% | 169 |
| Net loans and leases to deposits | 127.2758% | 45 |
| Net loans and leases to core deposits | 132.2123% | 171 |
| Total domestic deposits to total assets | 67.0869% | 6,737 |
| Equity capital to assets | 23.4477% | 108 |
| Core capital (leverage) ratio | 26.3217% | 74 |
| Tier 1 risk-based capital ratio | 30.1835% | 509 |
| Total risk-based capital ratio | 31.4338% | 507 |
| Memoranda: | ||
| Average total assets | $49,206,000 | 6,141 |
| Average earning assets | $43,393,000 | 6,176 |
| Average equity | $12,338,330 | 4,454 |
| Average total loans | $42,224,330 | 5,329 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 1,062 |
| Cost of funding earning assets | 1.1881% | 243 |
| Net interest margin | 3.7188% | 2,779 |
| Noninterest income to average assets | 3.2395% | 230 |
| Noninterest expense to average assets | 4.6120% | 492 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2617% | 1,370 |
| Return on assets (ROA) | 1.2617% | 1,472 |
| Pretax return on assets | 1.9096% | 719 |
| Return on Equity (ROE) | 4.8513% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.8513% | 3,330 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7190% | 3,849 |
| Assets per employee ($millions) | 2.1784% | 6,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 4,719 |
| Loan loss allowance to noncurrent loans | 27.4153% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 5.0454% | 724 |
| Noncurrent loans to loans | 4.7258% | 843 |
| Net loans and leases to total assets | 86.1596% | 119 |
| Net loans and leases to deposits | 120.0244% | 65 |
| Net loans and leases to core deposits | 123.0430% | 242 |
| Total domestic deposits to total assets | 71.7851% | 6,669 |
| Equity capital to assets | 25.6171% | 90 |
| Core capital (leverage) ratio | 25.2403% | 86 |
| Tier 1 risk-based capital ratio | 32.5549% | 429 |
| Total risk-based capital ratio | 33.8082% | 419 |
| Memoranda: | ||
| Average total assets | $46,921,500 | 6,273 |
| Average earning assets | $41,411,000 | 6,300 |
| Average equity | $12,203,000 | 4,536 |
| Average total loans | $40,107,500 | 5,458 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6045% | 505 |
| Cost of funding earning assets | 1.1791% | 635 |
| Net interest margin | 4.4254% | 1,104 |
| Noninterest income to average assets | 3.7315% | 196 |
| Noninterest expense to average assets | 4.7324% | 460 |
| Loan and lease loss provision to assets | 0.0468% | 5,251 |
| Net operating income to assets | 1.9081% | 425 |
| Return on assets (ROA) | 1.9081% | 471 |
| Pretax return on assets | 2.9179% | 151 |
| Return on Equity (ROE) | 7.3018% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.3018% | 1,424 |
| Net charge-offs to loans | 0.0364% | 5,414 |
| Credit loss provision to net charge-offs | 150.0000% | 1,819 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 408 |
| Efficiency ratio | 61.4828% | 5,314 |
| Assets per employee ($millions) | 2.1866% | 6,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 4,116 |
| Loan loss allowance to noncurrent loans | 27.5687% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 4.5102% | 917 |
| Noncurrent loans to loans | 5.1223% | 765 |
| Net loans and leases to total assets | 82.4056% | 305 |
| Net loans and leases to deposits | 115.7191% | 97 |
| Net loans and leases to core deposits | 118.7702% | 308 |
| Total domestic deposits to total assets | 71.2117% | 6,731 |
| Equity capital to assets | 26.4145% | 84 |
| Core capital (leverage) ratio | 24.6948% | 99 |
| Tier 1 risk-based capital ratio | 33.2024% | 395 |
| Total risk-based capital ratio | 34.4566% | 386 |
| Memoranda: | ||
| Average total assets | $44,861,000 | 6,350 |
| Average earning assets | $40,199,600 | 6,356 |
| Average equity | $11,723,200 | 4,627 |
| Average total loans | $38,421,800 | 5,570 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6320% | 529 |
| Cost of funding earning assets | 1.1577% | 839 |
| Net interest margin | 4.4744% | 1,036 |
| Noninterest income to average assets | 3.3993% | 215 |
| Noninterest expense to average assets | 4.4905% | 542 |
| Loan and lease loss provision to assets | 0.0598% | 4,976 |
| Net operating income to assets | 1.8955% | 458 |
| Return on assets (ROA) | 1.8955% | 532 |
| Pretax return on assets | 2.8701% | 176 |
| Return on Equity (ROE) | 7.2735% | 3,648 |
| Retained earnings to average equity (ytd only) | 7.2735% | 1,960 |
| Net charge-offs to loans | 0.0486% | 4,974 |
| Credit loss provision to net charge-offs | 142.8571% | 2,010 |
| Earnings coverage of net charge-offs (x) | 69.9855% | 584 |
| Efficiency ratio | 60.5157% | 5,408 |
| Assets per employee ($millions) | 2.6271% | 6,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 4,808 |
| Loan loss allowance to noncurrent loans | 35.2673% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 3.3370% | 1,520 |
| Noncurrent loans to loans | 3.6920% | 1,446 |
| Net loans and leases to total assets | 86.7197% | 124 |
| Net loans and leases to deposits | 123.5851% | 62 |
| Net loans and leases to core deposits | 127.7786% | 209 |
| Total domestic deposits to total assets | 70.1700% | 6,831 |
| Equity capital to assets | 25.1797% | 104 |
| Core capital (leverage) ratio | 25.0523% | 97 |
| Tier 1 risk-based capital ratio | 31.3587% | 466 |
| Total risk-based capital ratio | 32.6115% | 462 |
| Memoranda: | ||
| Average total assets | $44,596,750 | 6,432 |
| Average earning assets | $40,079,250 | 6,435 |
| Average equity | $11,621,750 | 4,689 |
| Average total loans | $38,432,000 | 5,637 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8808% | 355 |
| Cost of funding earning assets | 1.1405% | 1,069 |
| Net interest margin | 4.7403% | 622 |
| Noninterest income to average assets | 3.5652% | 201 |
| Noninterest expense to average assets | 4.4165% | 594 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.2517% | 265 |
| Return on assets (ROA) | 2.2517% | 300 |
| Pretax return on assets | 3.4096% | 114 |
| Return on Equity (ROE) | 8.5367% | 3,004 |
| Retained earnings to average equity (ytd only) | 8.5367% | 1,439 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4327% | 6,068 |
| Assets per employee ($millions) | 2.5164% | 6,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,534 |
| Loan loss allowance to noncurrent loans | 46.2003% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 2.5566% | 2,187 |
| Noncurrent loans to loans | 2.9899% | 1,981 |
| Net loans and leases to total assets | 84.3272% | 198 |
| Net loans and leases to deposits | 125.6117% | 52 |
| Net loans and leases to core deposits | 130.2862% | 207 |
| Total domestic deposits to total assets | 67.1332% | 7,022 |
| Equity capital to assets | 25.9742% | 95 |
| Core capital (leverage) ratio | 26.6665% | 78 |
| Tier 1 risk-based capital ratio | 32.6792% | 415 |
| Total risk-based capital ratio | 33.9314% | 407 |
| Memoranda: | ||
| Average total assets | $43,699,670 | 6,499 |
| Average earning assets | $39,280,330 | 6,502 |
| Average equity | $11,526,670 | 4,706 |
| Average total loans | $37,393,000 | 5,712 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9877% | 311 |
| Cost of funding earning assets | 1.1311% | 1,248 |
| Net interest margin | 4.8566% | 500 |
| Noninterest income to average assets | 3.9159% | 175 |
| Noninterest expense to average assets | 4.4846% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.5080% | 178 |
| Return on assets (ROA) | 2.5080% | 215 |
| Pretax return on assets | 3.7947% | 98 |
| Return on Equity (ROE) | 9.4324% | 2,628 |
| Retained earnings to average equity (ytd only) | 9.4324% | 1,432 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1667% | 6,330 |
| Assets per employee ($millions) | 2.4554% | 6,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 4,426 |
| Loan loss allowance to noncurrent loans | 37.1528% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 3.2581% | 1,770 |
| Noncurrent loans to loans | 3.8731% | 1,594 |
| Net loans and leases to total assets | 82.9110% | 227 |
| Net loans and leases to deposits | 120.7971% | 69 |
| Net loans and leases to core deposits | 124.2414% | 250 |
| Total domestic deposits to total assets | 68.6366% | 7,034 |
| Equity capital to assets | 26.1143% | 83 |
| Core capital (leverage) ratio | 26.9081% | 74 |
| Tier 1 risk-based capital ratio | 33.7783% | 373 |
| Total risk-based capital ratio | 35.0319% | 368 |
| Memoranda: | ||
| Average total assets | $42,902,000 | 6,567 |
| Average earning assets | $38,545,500 | 6,582 |
| Average equity | $11,407,500 | 4,748 |
| Average total loans | $36,724,000 | 5,793 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1596% | 333 |
| Cost of funding earning assets | 1.2072% | 1,982 |
| Net interest margin | 4.9524% | 457 |
| Noninterest income to average assets | 2.7991% | 228 |
| Noninterest expense to average assets | 4.4175% | 635 |
| Loan and lease loss provision to assets | 0.2405% | 3,803 |
| Net operating income to assets | 1.7050% | 543 |
| Return on assets (ROA) | 1.7050% | 582 |
| Pretax return on assets | 2.5803% | 184 |
| Return on Equity (ROE) | 6.5078% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.5078% | 1,732 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0299% | 5,599 |
| Assets per employee ($millions) | 2.3114% | 6,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 4,125 |
| Loan loss allowance to noncurrent loans | 31.7885% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 4.0451% | 1,418 |
| Noncurrent loans to loans | 4.6405% | 1,275 |
| Net loans and leases to total assets | 85.8842% | 133 |
| Net loans and leases to deposits | 126.5243% | 60 |
| Net loans and leases to core deposits | 130.0706% | 236 |
| Total domestic deposits to total assets | 67.8796% | 7,079 |
| Equity capital to assets | 27.0946% | 81 |
| Core capital (leverage) ratio | 25.8317% | 95 |
| Tier 1 risk-based capital ratio | 34.4026% | 350 |
| Total risk-based capital ratio | 35.6569% | 345 |
| Memoranda: | ||
| Average total assets | $41,584,400 | 6,612 |
| Average earning assets | $37,275,200 | 6,631 |
| Average equity | $10,894,600 | 4,809 |
| Average total loans | $35,870,000 | 5,872 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1420% | 368 |
| Cost of funding earning assets | 1.2134% | 2,239 |
| Net interest margin | 4.9287% | 479 |
| Noninterest income to average assets | 2.0747% | 358 |
| Noninterest expense to average assets | 4.2264% | 776 |
| Loan and lease loss provision to assets | 0.2148% | 3,869 |
| Net operating income to assets | 1.3532% | 1,257 |
| Return on assets (ROA) | 1.3532% | 1,344 |
| Pretax return on assets | 2.0491% | 569 |
| Return on Equity (ROE) | 5.2097% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.2097% | 3,053 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1186% | 4,873 |
| Assets per employee ($millions) | 2.3679% | 7,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 4,681 |
| Loan loss allowance to noncurrent loans | 45.7612% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 2.5738% | 2,506 |
| Noncurrent loans to loans | 2.9960% | 2,308 |
| Net loans and leases to total assets | 84.7309% | 177 |
| Net loans and leases to deposits | 131.1901% | 47 |
| Net loans and leases to core deposits | 136.5782% | 193 |
| Total domestic deposits to total assets | 64.5864% | 7,238 |
| Equity capital to assets | 25.7754% | 112 |
| Core capital (leverage) ratio | 24.9249% | 113 |
| Tier 1 risk-based capital ratio | 32.4879% | 437 |
| Total risk-based capital ratio | 33.7409% | 430 |
| Memoranda: | ||
| Average total assets | $41,579,000 | 6,666 |
| Average earning assets | $37,250,500 | 6,691 |
| Average equity | $10,800,000 | 4,850 |
| Average total loans | $35,770,500 | 5,937 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1810% | 339 |
| Cost of funding earning assets | 1.2243% | 2,414 |
| Net interest margin | 4.9567% | 429 |
| Noninterest income to average assets | 2.6388% | 248 |
| Noninterest expense to average assets | 4.2540% | 782 |
| Loan and lease loss provision to assets | 0.3250% | 2,840 |
| Net operating income to assets | 1.6492% | 670 |
| Return on assets (ROA) | 1.6492% | 709 |
| Pretax return on assets | 2.4981% | 249 |
| Return on Equity (ROE) | 6.3327% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.3327% | 2,223 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1097% | 5,852 |
| Assets per employee ($millions) | 2.3257% | 7,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 4,628 |
| Loan loss allowance to noncurrent loans | 47.7640% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 2.5106% | 2,654 |
| Noncurrent loans to loans | 2.9078% | 2,508 |
| Net loans and leases to total assets | 85.1396% | 173 |
| Net loans and leases to deposits | 132.4341% | 51 |
| Net loans and leases to core deposits | 137.9815% | 196 |
| Total domestic deposits to total assets | 64.2883% | 7,308 |
| Equity capital to assets | 26.0469% | 115 |
| Core capital (leverage) ratio | 24.6738% | 118 |
| Tier 1 risk-based capital ratio | 32.8553% | 424 |
| Total risk-based capital ratio | 34.1097% | 411 |
| Memoranda: | ||
| Average total assets | $41,231,330 | 6,745 |
| Average earning assets | $36,919,670 | 6,768 |
| Average equity | $10,738,000 | 4,860 |
| Average total loans | $35,488,670 | 5,992 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0698% | 426 |
| Cost of funding earning assets | 1.2292% | 2,636 |
| Net interest margin | 4.8406% | 523 |
| Noninterest income to average assets | 3.2555% | 197 |
| Noninterest expense to average assets | 4.2527% | 768 |
| Loan and lease loss provision to assets | 0.6550% | 1,315 |
| Net operating income to assets | 1.7793% | 510 |
| Return on assets (ROA) | 1.7793% | 540 |
| Pretax return on assets | 2.6982% | 200 |
| Return on Equity (ROE) | 6.8325% | 3,474 |
| Retained earnings to average equity (ytd only) | 6.8325% | 2,222 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9126% | 6,515 |
| Assets per employee ($millions) | 2.2796% | 7,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 4,477 |
| Loan loss allowance to noncurrent loans | 54.3879% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 2.3835% | 2,857 |
| Noncurrent loans to loans | 2.6493% | 2,848 |
| Net loans and leases to total assets | 83.6859% | 242 |
| Net loans and leases to deposits | 131.8461% | 54 |
| Net loans and leases to core deposits | 137.5335% | 211 |
| Total domestic deposits to total assets | 63.4724% | 7,376 |
| Equity capital to assets | 26.1893% | 104 |
| Core capital (leverage) ratio | 25.2306% | 112 |
| Tier 1 risk-based capital ratio | 33.6978% | 385 |
| Total risk-based capital ratio | 34.9526% | 375 |
| Memoranda: | ||
| Average total assets | $40,915,500 | 6,802 |
| Average earning assets | $36,772,500 | 6,814 |
| Average equity | $10,655,000 | 4,881 |
| Average total loans | $35,161,000 | 6,071 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4243% | 363 |
| Cost of funding earning assets | 1.4054% | 3,229 |
| Net interest margin | 5.0189% | 413 |
| Noninterest income to average assets | 3.7832% | 175 |
| Noninterest expense to average assets | 4.5128% | 641 |
| Loan and lease loss provision to assets | 0.4059% | 3,677 |
| Net operating income to assets | 2.2047% | 200 |
| Return on assets (ROA) | 2.2047% | 205 |
| Pretax return on assets | 3.3932% | 95 |
| Return on Equity (ROE) | 8.2711% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.2711% | 897 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2930% | 6,780 |
| Assets per employee ($millions) | 2.3999% | 7,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 5,387 |
| Loan loss allowance to noncurrent loans | 45.4545% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 2.4805% | 2,788 |
| Noncurrent loans to loans | 2.6971% | 2,825 |
| Net loans and leases to total assets | 85.9016% | 188 |
| Net loans and leases to deposits | 134.4291% | 57 |
| Net loans and leases to core deposits | 138.8165% | 235 |
| Total domestic deposits to total assets | 63.9011% | 7,446 |
| Equity capital to assets | 25.8928% | 115 |
| Core capital (leverage) ratio | 25.5331% | 116 |
| Tier 1 risk-based capital ratio | 33.0311% | 408 |
| Total risk-based capital ratio | 34.2819% | 399 |
| Memoranda: | ||
| Average total assets | $37,693,000 | 6,948 |
| Average earning assets | $34,011,600 | 6,946 |
| Average equity | $10,047,000 | 5,115 |
| Average total loans | $31,296,800 | 6,347 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3812% | 431 |
| Cost of funding earning assets | 1.4443% | 3,303 |
| Net interest margin | 4.9369% | 513 |
| Noninterest income to average assets | 2.4487% | 285 |
| Noninterest expense to average assets | 4.5543% | 558 |
| Loan and lease loss provision to assets | 0.1914% | 5,131 |
| Net operating income to assets | 1.4266% | 1,062 |
| Return on assets (ROA) | 1.4266% | 1,128 |
| Pretax return on assets | 2.1598% | 447 |
| Return on Equity (ROE) | 5.3102% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.3102% | 2,765 |
| Net charge-offs to loans | 0.2204% | 4,621 |
| Credit loss provision to net charge-offs | 106.0000% | 4,028 |
| Earnings coverage of net charge-offs (x) | 13.0190% | 1,631 |
| Efficiency ratio | 65.9519% | 4,870 |
| Assets per employee ($millions) | 2.4690% | 7,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8477% | 6,898 |
| Loan loss allowance to noncurrent loans | 29.6875% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 2.4301% | 2,942 |
| Noncurrent loans to loans | 2.8555% | 2,792 |
| Net loans and leases to total assets | 84.3813% | 307 |
| Net loans and leases to deposits | 126.5912% | 84 |
| Net loans and leases to core deposits | 130.6652% | 367 |
| Total domestic deposits to total assets | 66.6565% | 7,447 |
| Equity capital to assets | 25.6379% | 130 |
| Core capital (leverage) ratio | 25.5986% | 119 |
| Tier 1 risk-based capital ratio | 32.0697% | 433 |
| Total risk-based capital ratio | 32.9939% | 434 |
| Memoranda: | ||
| Average total assets | $36,916,500 | 7,061 |
| Average earning assets | $33,326,250 | 7,053 |
| Average equity | $9,917,750 | 5,223 |
| Average total loans | $30,250,500 | 6,465 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3833% | 426 |
| Cost of funding earning assets | 1.5034% | 3,242 |
| Net interest margin | 4.8799% | 561 |
| Noninterest income to average assets | 2.1190% | 325 |
| Noninterest expense to average assets | 4.6541% | 494 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2259% | 1,494 |
| Return on assets (ROA) | 1.2259% | 1,556 |
| Pretax return on assets | 1.8583% | 802 |
| Return on Equity (ROE) | 4.4884% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.4884% | 3,210 |
| Net charge-offs to loans | 0.3433% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 6.7000% | 2,416 |
| Efficiency ratio | 71.4651% | 3,912 |
| Assets per employee ($millions) | 2.2713% | 7,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7743% | 7,090 |
| Loan loss allowance to noncurrent loans | 30.6878% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 2.0803% | 3,406 |
| Noncurrent loans to loans | 2.5233% | 3,132 |
| Net loans and leases to total assets | 81.8057% | 558 |
| Net loans and leases to deposits | 116.7583% | 166 |
| Net loans and leases to core deposits | 119.4128% | 713 |
| Total domestic deposits to total assets | 70.0641% | 7,326 |
| Equity capital to assets | 27.3906% | 107 |
| Core capital (leverage) ratio | 26.7734% | 112 |
| Tier 1 risk-based capital ratio | 34.9146% | 354 |
| Total risk-based capital ratio | 35.7484% | 359 |
| Memoranda: | ||
| Average total assets | $36,054,000 | 7,145 |
| Average earning assets | $32,459,670 | 7,137 |
| Average equity | $9,847,670 | 5,247 |
| Average total loans | $29,127,670 | 6,570 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9899% | 1,000 |
| Cost of funding earning assets | 1.5378% | 3,345 |
| Net interest margin | 4.4521% | 1,252 |
| Noninterest income to average assets | 2.8181% | 222 |
| Noninterest expense to average assets | 4.7451% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3701% | 1,144 |
| Return on assets (ROA) | 1.3701% | 1,211 |
| Pretax return on assets | 2.0718% | 534 |
| Return on Equity (ROE) | 5.0232% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.0232% | 3,145 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6078% | 4,396 |
| Assets per employee ($millions) | 1.8781% | 7,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 6,476 |
| Loan loss allowance to noncurrent loans | 111.4625% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 1.0930% | 4,961 |
| Noncurrent loans to loans | 0.8972% | 5,523 |
| Net loans and leases to total assets | 78.2333% | 1,105 |
| Net loans and leases to deposits | 112.7054% | 236 |
| Net loans and leases to core deposits | 113.9103% | 1,045 |
| Total domestic deposits to total assets | 69.4140% | 7,447 |
| Equity capital to assets | 27.6210% | 109 |
| Core capital (leverage) ratio | 26.3814% | 117 |
| Tier 1 risk-based capital ratio | 35.4687% | 346 |
| Total risk-based capital ratio | 36.5100% | 343 |
| Memoranda: | ||
| Average total assets | $35,910,500 | 7,238 |
| Average earning assets | $32,254,500 | 7,237 |
| Average equity | $9,794,500 | 5,294 |
| Average total loans | $28,711,000 | 6,676 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7282% | 438 |
| Cost of funding earning assets | 1.7845% | 4,077 |
| Net interest margin | 4.9437% | 504 |
| Noninterest income to average assets | 4.2019% | 161 |
| Noninterest expense to average assets | 4.5934% | 724 |
| Loan and lease loss provision to assets | 0.6136% | 3,343 |
| Net operating income to assets | 2.3347% | 110 |
| Return on assets (ROA) | 2.3347% | 122 |
| Pretax return on assets | 3.4714% | 65 |
| Return on Equity (ROE) | 8.5785% | 2,170 |
| Retained earnings to average equity (ytd only) | 8.5785% | 571 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9293% | 7,324 |
| Assets per employee ($millions) | 2.2586% | 7,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 6,556 |
| Loan loss allowance to noncurrent loans | 53.1073% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 1.9038% | 3,524 |
| Noncurrent loans to loans | 1.8170% | 3,901 |
| Net loans and leases to total assets | 80.0874% | 979 |
| Net loans and leases to deposits | 113.6228% | 270 |
| Net loans and leases to core deposits | 138.8838% | 845 |
| Total domestic deposits to total assets | 70.4854% | 7,377 |
| Equity capital to assets | 26.9329% | 127 |
| Core capital (leverage) ratio | 27.0133% | 131 |
| Tier 1 risk-based capital ratio | 34.5939% | 353 |
| Total risk-based capital ratio | 35.6223% | 349 |
| Memoranda: | ||
| Average total assets | $34,222,800 | 7,316 |
| Average earning assets | $30,989,000 | 7,312 |
| Average equity | $9,314,000 | 5,502 |
| Average total loans | $25,819,800 | 6,863 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7543% | 459 |
| Cost of funding earning assets | 1.8508% | 4,151 |
| Net interest margin | 4.9035% | 549 |
| Noninterest income to average assets | 3.4771% | 189 |
| Noninterest expense to average assets | 4.5439% | 708 |
| Loan and lease loss provision to assets | 0.0593% | 6,770 |
| Net operating income to assets | 2.5525% | 95 |
| Return on assets (ROA) | 2.5525% | 105 |
| Pretax return on assets | 3.3230% | 81 |
| Return on Equity (ROE) | 9.3527% | 2,140 |
| Retained earnings to average equity (ytd only) | 9.3527% | 750 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3280% | 6,821 |
| Assets per employee ($millions) | 2.2541% | 7,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3605% | 7,855 |
| Loan loss allowance to noncurrent loans | 19.3858% | 7,123 |
| Noncurrent assets plus other real estate owned to assets | 2.0052% | 3,339 |
| Noncurrent loans to loans | 1.8595% | 3,828 |
| Net loans and leases to total assets | 82.5683% | 734 |
| Net loans and leases to deposits | 120.0155% | 206 |
| Net loans and leases to core deposits | 148.3580% | 620 |
| Total domestic deposits to total assets | 68.7981% | 7,506 |
| Equity capital to assets | 28.3331% | 131 |
| Core capital (leverage) ratio | 27.7475% | 142 |
| Tier 1 risk-based capital ratio | 37.0721% | 331 |
| Total risk-based capital ratio | 37.4723% | 347 |
| Memoranda: | ||
| Average total assets | $33,744,000 | 7,392 |
| Average earning assets | $30,617,000 | 7,393 |
| Average equity | $9,209,250 | 5,586 |
| Average total loans | $24,968,750 | 6,979 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6939% | 544 |
| Cost of funding earning assets | 1.9032% | 4,244 |
| Net interest margin | 4.7907% | 662 |
| Noninterest income to average assets | 2.8943% | 225 |
| Noninterest expense to average assets | 4.3889% | 861 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0284% | 278 |
| Return on assets (ROA) | 2.0284% | 302 |
| Pretax return on assets | 2.8647% | 119 |
| Return on Equity (ROE) | 7.5283% | 2,958 |
| Retained earnings to average equity (ytd only) | 7.5283% | 1,378 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5070% | 6,467 |
| Assets per employee ($millions) | 2.2680% | 7,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3620% | 7,937 |
| Loan loss allowance to noncurrent loans | 34.1270% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 1.2022% | 4,531 |
| Noncurrent loans to loans | 1.0608% | 5,091 |
| Net loans and leases to total assets | 69.5767% | 3,800 |
| Net loans and leases to deposits | 98.9052% | 1,404 |
| Net loans and leases to core deposits | 121.9474% | 2,211 |
| Total domestic deposits to total assets | 70.3469% | 7,435 |
| Equity capital to assets | 27.2663% | 167 |
| Core capital (leverage) ratio | 27.1897% | 170 |
| Tier 1 risk-based capital ratio | 34.5151% | 431 |
| Total risk-based capital ratio | 34.8419% | 448 |
| Memoranda: | ||
| Average total assets | $33,721,330 | 7,458 |
| Average earning assets | $30,684,670 | 7,448 |
| Average equity | $9,085,670 | 5,654 |
| Average total loans | $23,952,000 | 7,090 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8634% | 433 |
| Cost of funding earning assets | 1.9647% | 4,309 |
| Net interest margin | 4.8987% | 503 |
| Noninterest income to average assets | 2.0374% | 355 |
| Noninterest expense to average assets | 4.3250% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3464% | 1,272 |
| Return on assets (ROA) | 1.3464% | 1,365 |
| Pretax return on assets | 2.1685% | 470 |
| Return on Equity (ROE) | 5.0275% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.0275% | 3,110 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6055% | 5,214 |
| Assets per employee ($millions) | 2.2921% | 7,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3481% | 8,000 |
| Loan loss allowance to noncurrent loans | 45.9893% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 4,712 |
| Noncurrent loans to loans | 0.7568% | 5,532 |
| Net loans and leases to total assets | 71.6151% | 3,324 |
| Net loans and leases to deposits | 100.4980% | 1,343 |
| Net loans and leases to core deposits | 123.7722% | 2,100 |
| Total domestic deposits to total assets | 71.2603% | 7,302 |
| Equity capital to assets | 26.3140% | 196 |
| Core capital (leverage) ratio | 26.8353% | 193 |
| Tier 1 risk-based capital ratio | 34.7942% | 442 |
| Total risk-based capital ratio | 35.1316% | 464 |
| Memoranda: | ||
| Average total assets | $33,572,000 | 7,512 |
| Average earning assets | $30,539,000 | 7,492 |
| Average equity | $8,990,500 | 5,704 |
| Average total loans | $24,050,000 | 7,130 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4266% | 3,291 |
| Cost of funding earning assets | 2.2116% | 5,548 |
| Net interest margin | 4.2150% | 2,256 |
| Noninterest income to average assets | 2.0374% | 336 |
| Noninterest expense to average assets | 4.7116% | 758 |
| Loan and lease loss provision to assets | 0.0130% | 7,205 |
| Net operating income to assets | 0.7019% | 3,887 |
| Return on assets (ROA) | 0.7019% | 3,720 |
| Pretax return on assets | 1.1275% | 2,927 |
| Return on Equity (ROE) | 2.4066% | 5,458 |
| Retained earnings to average equity (ytd only) | 2.4066% | 3,704 |
| Net charge-offs to loans | 0.0175% | 6,626 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 87.7500% | 481 |
| Efficiency ratio | 80.5108% | 2,528 |
| Assets per employee ($millions) | 1.9272% | 7,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3634% | 8,032 |
| Loan loss allowance to noncurrent loans | 13.8662% | 7,428 |
| Noncurrent assets plus other real estate owned to assets | 2.3136% | 2,104 |
| Noncurrent loans to loans | 2.6206% | 2,067 |
| Net loans and leases to total assets | 71.1382% | 3,761 |
| Net loans and leases to deposits | 100.9923% | 1,706 |
| Net loans and leases to core deposits | 121.0942% | 2,595 |
| Total domestic deposits to total assets | 70.4392% | 7,225 |
| Equity capital to assets | 27.2686% | 213 |
| Core capital (leverage) ratio | 27.5180% | 217 |
| Tier 1 risk-based capital ratio | 42.9413% | 287 |
| Total risk-based capital ratio | 43.3584% | 292 |
| Memoranda: | ||
| Average total assets | $30,775,000 | 7,611 |
| Average earning assets | $27,853,200 | 7,622 |
| Average equity | $8,975,200 | 5,746 |
| Average total loans | $22,816,200 | 7,146 |