Home > Austin Capital Bank SSB > Performance and Condition Ratios
Austin Capital Bank SSB, 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 | 7.5905% | 148 |
| Cost of funding earning assets | 0.3101% | 4,370 |
| Net interest margin | 7.2804% | 50 |
| Noninterest income to average assets | 1.9000% | 284 |
| Noninterest expense to average assets | 9.3845% | 118 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.6130% | 4,514 |
| Return on assets (ROA) | -0.6130% | 4,499 |
| Pretax return on assets | -0.5995% | 4,490 |
| Return on Equity (ROE) | -5.8200% | 4,475 |
| Retained earnings to average equity (ytd only) | -5.8176% | 4,409 |
| Net charge-offs to loans | -0.0458% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 106.8245% | 129 |
| Assets per employee ($millions) | 3.8477% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4550% | 4,364 |
| Loan loss allowance to noncurrent loans | 862.4000% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,315 |
| Noncurrent loans to loans | 0.0528% | 3,345 |
| Net loans and leases to total assets | 81.7300% | 456 |
| Net loans and leases to deposits | 96.0078% | 788 |
| Net loans and leases to core deposits | 104.5755% | 1,190 |
| Total domestic deposits to total assets | 85.1300% | 2,273 |
| Equity capital to assets | 10.8134% | 1,580 |
| Core capital (leverage) ratio | 11.0719% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.9944% | 88 |
| Memoranda: | ||
| Average total assets | $296,563,200 | 2,438 |
| Average earning assets | $280,587,800 | 2,411 |
| Average equity | $31,249,800 | 2,211 |
| Average total loans | $248,687,000 | 2,009 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5714% | 137 |
| Cost of funding earning assets | 0.1954% | 4,446 |
| Net interest margin | 7.3760% | 45 |
| Noninterest income to average assets | 2.1200% | 271 |
| Noninterest expense to average assets | 9.3085% | 116 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.1764% | 4,490 |
| Return on assets (ROA) | -0.1764% | 4,476 |
| Pretax return on assets | -0.2103% | 4,477 |
| Return on Equity (ROE) | -1.6800% | 4,444 |
| Retained earnings to average equity (ytd only) | -1.6847% | 4,300 |
| Net charge-offs to loans | -0.0551% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 102.3119% | 148 |
| Assets per employee ($millions) | 3.7230% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4509% | 4,378 |
| Loan loss allowance to noncurrent loans | 762.8571% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,303 |
| Noncurrent loans to loans | 0.0591% | 3,331 |
| Net loans and leases to total assets | 84.4400% | 250 |
| Net loans and leases to deposits | 100.5982% | 484 |
| Net loans and leases to core deposits | 106.3203% | 999 |
| Total domestic deposits to total assets | 83.9400% | 2,794 |
| Equity capital to assets | 11.6852% | 1,130 |
| Core capital (leverage) ratio | 11.6452% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.0803% | 85 |
| Memoranda: | ||
| Average total assets | $298,559,750 | 2,438 |
| Average earning assets | $282,475,250 | 2,399 |
| Average equity | $31,261,000 | 2,199 |
| Average total loans | $251,622,250 | 1,992 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4681% | 132 |
| Cost of funding earning assets | 0.0700% | 4,538 |
| Net interest margin | 7.3981% | 41 |
| Noninterest income to average assets | 2.5700% | 200 |
| Noninterest expense to average assets | 9.4838% | 111 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0544% | 4,390 |
| Return on assets (ROA) | 0.0544% | 4,423 |
| Pretax return on assets | 0.0872% | 4,403 |
| Return on Equity (ROE) | 0.5400% | 4,400 |
| Retained earnings to average equity (ytd only) | 0.5389% | 3,980 |
| Net charge-offs to loans | -0.0639% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 99.0888% | 183 |
| Assets per employee ($millions) | 3.6760% | 4,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4336% | 4,423 |
| Loan loss allowance to noncurrent loans | 1,538.2353% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 3,560 |
| Noncurrent loans to loans | 0.0282% | 3,557 |
| Net loans and leases to total assets | 83.7700% | 288 |
| Net loans and leases to deposits | 99.0727% | 560 |
| Net loans and leases to core deposits | 103.1727% | 1,084 |
| Total domestic deposits to total assets | 84.5500% | 2,673 |
| Equity capital to assets | 10.8484% | 1,446 |
| Core capital (leverage) ratio | 10.9782% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.1314% | 76 |
| Memoranda: | ||
| Average total assets | $305,005,000 | 2,413 |
| Average earning assets | $288,640,333 | 2,380 |
| Average equity | $30,805,333 | 2,231 |
| Average total loans | $256,548,000 | 1,973 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4985% | 81 |
| Cost of funding earning assets | 0.0269% | 4,602 |
| Net interest margin | 7.4716% | 35 |
| Noninterest income to average assets | 1.2000% | 440 |
| Noninterest expense to average assets | 9.4619% | 111 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.9499% | 4,617 |
| Return on assets (ROA) | -0.9499% | 4,608 |
| Pretax return on assets | -1.2007% | 4,618 |
| Return on Equity (ROE) | -9.7300% | 4,595 |
| Retained earnings to average equity (ytd only) | -9.7340% | 4,470 |
| Net charge-offs to loans | -0.1302% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 114.5345% | 83 |
| Assets per employee ($millions) | 3.7052% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4127% | 4,492 |
| Loan loss allowance to noncurrent loans | 82.6121% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 1,219 |
| Noncurrent loans to loans | 0.4996% | 1,468 |
| Net loans and leases to total assets | 84.4100% | 206 |
| Net loans and leases to deposits | 97.4430% | 569 |
| Net loans and leases to core deposits | 97.6311% | 1,200 |
| Total domestic deposits to total assets | 86.6300% | 2,403 |
| Equity capital to assets | 10.0863% | 1,774 |
| Core capital (leverage) ratio | 9.8182% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.3096% | 76 |
| Memoranda: | ||
| Average total assets | $314,145,000 | 2,390 |
| Average earning assets | $297,018,500 | 2,362 |
| Average equity | $30,655,500 | 2,264 |
| Average total loans | $264,206,500 | 1,956 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8480% | 51 |
| Cost of funding earning assets | 0.0275% | 4,614 |
| Net interest margin | 6.8206% | 35 |
| Noninterest income to average assets | 4.0500% | 144 |
| Noninterest expense to average assets | 11.2526% | 99 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | -0.3808% | 4,635 |
| Return on assets (ROA) | -0.3808% | 4,623 |
| Pretax return on assets | -0.7166% | 4,642 |
| Return on Equity (ROE) | -4.7900% | 4,625 |
| Retained earnings to average equity (ytd only) | -5.4726% | 4,581 |
| Net charge-offs to loans | 0.0599% | 1,050 |
| Credit loss provision to net charge-offs | 96.7742% | 1,582 |
| Earnings coverage of net charge-offs (x) | -13.8333% | 4,702 |
| Efficiency ratio | 106.3286% | 109 |
| Assets per employee ($millions) | 3.6510% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3434% | 4,527 |
| Loan loss allowance to noncurrent loans | 44.4707% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 772 |
| Noncurrent loans to loans | 0.7722% | 968 |
| Net loans and leases to total assets | 83.1100% | 316 |
| Net loans and leases to deposits | 93.1778% | 836 |
| Net loans and leases to core deposits | 93.1778% | 1,338 |
| Total domestic deposits to total assets | 89.1900% | 1,666 |
| Equity capital to assets | 9.5748% | 1,947 |
| Core capital (leverage) ratio | 9.0333% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.0209% | 69 |
| Memoranda: | ||
| Average total assets | $384,177,600 | 2,089 |
| Average earning assets | $367,902,200 | 2,037 |
| Average equity | $30,570,400 | 2,311 |
| Average total loans | $310,771,000 | 1,674 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7766% | 45 |
| Cost of funding earning assets | 0.0276% | 4,644 |
| Net interest margin | 6.7490% | 34 |
| Noninterest income to average assets | 4.7100% | 137 |
| Noninterest expense to average assets | 10.4524% | 99 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7459% | 3,431 |
| Return on assets (ROA) | 0.7459% | 3,381 |
| Pretax return on assets | 0.7064% | 3,791 |
| Return on Equity (ROE) | 9.7800% | 2,795 |
| Retained earnings to average equity (ytd only) | 8.8616% | 1,698 |
| Net charge-offs to loans | 0.0575% | 904 |
| Credit loss provision to net charge-offs | 55.0725% | 1,511 |
| Earnings coverage of net charge-offs (x) | 15.8333% | 1,833 |
| Efficiency ratio | 93.4565% | 243 |
| Assets per employee ($millions) | 1.6641% | 4,652 |
| Cash dividends to net income (ytd only)* | 9.4297% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3138% | 4,579 |
| Loan loss allowance to noncurrent loans | 348.4252% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,188 |
| Noncurrent loans to loans | 0.0901% | 3,235 |
| Net loans and leases to total assets | 78.2200% | 684 |
| Net loans and leases to deposits | 87.6792% | 1,055 |
| Net loans and leases to core deposits | 87.6792% | 1,430 |
| Total domestic deposits to total assets | 89.2100% | 1,995 |
| Equity capital to assets | 9.7792% | 1,737 |
| Core capital (leverage) ratio | 9.2591% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 112.6953% | 59 |
| Memoranda: | ||
| Average total assets | $398,073,750 | 2,047 |
| Average earning assets | $382,148,250 | 1,992 |
| Average equity | $30,347,500 | 2,351 |
| Average total loans | $319,958,750 | 1,638 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6808% | 45 |
| Cost of funding earning assets | 0.0298% | 4,692 |
| Net interest margin | 6.6509% | 35 |
| Noninterest income to average assets | 4.8167% | 102 |
| Noninterest expense to average assets | 10.9458% | 63 |
| Loan and lease loss provision to assets | 0.0370% | 1,922 |
| Net operating income to assets | 0.1789% | 4,451 |
| Return on assets (ROA) | 0.1789% | 4,413 |
| Pretax return on assets | 0.2481% | 4,351 |
| Return on Equity (ROE) | 2.6013% | 4,276 |
| Retained earnings to average equity (ytd only) | 1.1128% | 3,972 |
| Net charge-offs to loans | -0.0006% | 2,996 |
| Credit loss provision to net charge-offs | -7,600.0000% | 3,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4608% | 225 |
| Assets per employee ($millions) | 1.7378% | 4,707 |
| Cash dividends to net income (ytd only)* | 57.2207% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3229% | 4,651 |
| Loan loss allowance to noncurrent loans | 302.9586% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 3,131 |
| Noncurrent loans to loans | 0.1066% | 3,217 |
| Net loans and leases to total assets | 79.4423% | 446 |
| Net loans and leases to deposits | 86.4637% | 940 |
| Net loans and leases to core deposits | 86.4637% | 1,303 |
| Total domestic deposits to total assets | 91.8794% | 888 |
| Equity capital to assets | 7.1092% | 3,714 |
| Core capital (leverage) ratio | 6.8242% | 4,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 98.0838% | 31 |
| Memoranda: | ||
| Average total assets | $410,276,667 | 2,010 |
| Average earning assets | $395,673,333 | 1,957 |
| Average equity | $28,217,000 | 2,511 |
| Average total loans | $332,594,667 | 1,593 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4626% | 48 |
| Cost of funding earning assets | 0.0318% | 4,701 |
| Net interest margin | 6.4307% | 39 |
| Noninterest income to average assets | 5.0140% | 104 |
| Noninterest expense to average assets | 10.7609% | 65 |
| Loan and lease loss provision to assets | 0.0730% | 1,132 |
| Net operating income to assets | 0.2872% | 4,172 |
| Return on assets (ROA) | 0.2872% | 4,145 |
| Pretax return on assets | 0.3881% | 4,051 |
| Return on Equity (ROE) | 4.2442% | 3,813 |
| Retained earnings to average equity (ytd only) | 1.2633% | 3,760 |
| Net charge-offs to loans | -0.0012% | 3,032 |
| Credit loss provision to net charge-offs | -7,600.0000% | 3,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8915% | 333 |
| Assets per employee ($millions) | 1.9819% | 4,722 |
| Cash dividends to net income (ytd only)* | 70.2341% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3014% | 4,687 |
| Loan loss allowance to noncurrent loans | 483.0189% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,537 |
| Noncurrent loans to loans | 0.0624% | 3,543 |
| Net loans and leases to total assets | 80.9895% | 203 |
| Net loans and leases to deposits | 87.8808% | 628 |
| Net loans and leases to core deposits | 87.8808% | 1,024 |
| Total domestic deposits to total assets | 92.1583% | 517 |
| Equity capital to assets | 6.7491% | 4,320 |
| Core capital (leverage) ratio | 6.8114% | 4,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 89.7102% | 32 |
| Memoranda: | ||
| Average total assets | $416,433,500 | 1,993 |
| Average earning assets | $402,007,000 | 1,946 |
| Average equity | $28,179,500 | 2,591 |
| Average total loans | $340,304,500 | 1,552 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8008% | 46 |
| Cost of funding earning assets | 0.0814% | 4,521 |
| Net interest margin | 6.7194% | 36 |
| Noninterest income to average assets | 6.7250% | 89 |
| Noninterest expense to average assets | 11.7498% | 61 |
| Loan and lease loss provision to assets | 0.0555% | 1,941 |
| Net operating income to assets | 1.1083% | 2,262 |
| Return on assets (ROA) | 1.1122% | 2,298 |
| Pretax return on assets | 1.4015% | 2,052 |
| Return on Equity (ROE) | 16.6024% | 654 |
| Retained earnings to average equity (ytd only) | 14.9120% | 231 |
| Net charge-offs to loans | 0.0376% | 1,500 |
| Credit loss provision to net charge-offs | 176.0684% | 1,382 |
| Earnings coverage of net charge-offs (x) | 46.0342% | 1,350 |
| Efficiency ratio | 89.0005% | 357 |
| Assets per employee ($millions) | 2.2537% | 4,755 |
| Cash dividends to net income (ytd only)* | 10.1818% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2778% | 4,739 |
| Loan loss allowance to noncurrent loans | 446.6981% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 3,627 |
| Noncurrent loans to loans | 0.0622% | 3,638 |
| Net loans and leases to total assets | 81.9790% | 181 |
| Net loans and leases to deposits | 89.1712% | 598 |
| Net loans and leases to core deposits | 89.2899% | 998 |
| Total domestic deposits to total assets | 91.9345% | 197 |
| Equity capital to assets | 6.7848% | 4,753 |
| Core capital (leverage) ratio | 6.6720% | 4,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 93.7484% | 33 |
| Memoranda: | ||
| Average total assets | $370,901,000 | 2,105 |
| Average earning assets | $357,517,400 | 2,051 |
| Average equity | $24,845,800 | 2,862 |
| Average total loans | $311,009,400 | 1,663 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7814% | 48 |
| Cost of funding earning assets | 0.0961% | 4,528 |
| Net interest margin | 6.6853% | 37 |
| Noninterest income to average assets | 7.2259% | 87 |
| Noninterest expense to average assets | 12.0152% | 59 |
| Loan and lease loss provision to assets | 0.0556% | 1,874 |
| Net operating income to assets | 1.2116% | 2,130 |
| Return on assets (ROA) | 1.2116% | 2,185 |
| Pretax return on assets | 1.5946% | 1,716 |
| Return on Equity (ROE) | 18.1540% | 613 |
| Retained earnings to average equity (ytd only) | 16.9885% | 240 |
| Net charge-offs to loans | 0.0378% | 1,331 |
| Credit loss provision to net charge-offs | 174.4186% | 1,276 |
| Earnings coverage of net charge-offs (x) | 51.8023% | 1,225 |
| Efficiency ratio | 87.9245% | 373 |
| Assets per employee ($millions) | 2.3009% | 4,826 |
| Cash dividends to net income (ytd only)* | 6.4201% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2590% | 4,831 |
| Loan loss allowance to noncurrent loans | 434.9057% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,816 |
| Noncurrent loans to loans | 0.0596% | 3,804 |
| Net loans and leases to total assets | 83.8719% | 120 |
| Net loans and leases to deposits | 91.1509% | 540 |
| Net loans and leases to core deposits | 91.2697% | 966 |
| Total domestic deposits to total assets | 92.0144% | 123 |
| Equity capital to assets | 6.4982% | 4,867 |
| Core capital (leverage) ratio | 6.8016% | 4,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 86.9019% | 33 |
| Memoranda: | ||
| Average total assets | $359,956,750 | 2,173 |
| Average earning assets | $346,722,500 | 2,118 |
| Average equity | $24,023,500 | 2,940 |
| Average total loans | $303,537,750 | 1,725 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7311% | 51 |
| Cost of funding earning assets | 0.1241% | 4,404 |
| Net interest margin | 6.6070% | 42 |
| Noninterest income to average assets | 7.6288% | 83 |
| Noninterest expense to average assets | 12.0299% | 57 |
| Loan and lease loss provision to assets | 0.0266% | 2,445 |
| Net operating income to assets | 1.4692% | 1,376 |
| Return on assets (ROA) | 1.4692% | 1,438 |
| Pretax return on assets | 1.9202% | 975 |
| Return on Equity (ROE) | 21.7751% | 335 |
| Retained earnings to average equity (ytd only) | 21.7751% | 118 |
| Net charge-offs to loans | 0.0266% | 1,420 |
| Credit loss provision to net charge-offs | 118.4211% | 1,269 |
| Earnings coverage of net charge-offs (x) | 86.7895% | 809 |
| Efficiency ratio | 86.0715% | 472 |
| Assets per employee ($millions) | 2.0839% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2610% | 4,860 |
| Loan loss allowance to noncurrent loans | 406.1033% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 3,862 |
| Noncurrent loans to loans | 0.0643% | 3,866 |
| Net loans and leases to total assets | 86.2006% | 80 |
| Net loans and leases to deposits | 94.3311% | 443 |
| Net loans and leases to core deposits | 94.4678% | 883 |
| Total domestic deposits to total assets | 91.3808% | 260 |
| Equity capital to assets | 6.7649% | 4,878 |
| Core capital (leverage) ratio | 7.0278% | 4,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 73.6297% | 46 |
| Memoranda: | ||
| Average total assets | $338,822,000 | 2,263 |
| Average earning assets | $325,535,667 | 2,218 |
| Average equity | $22,861,000 | 3,025 |
| Average total loans | $286,049,333 | 1,802 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5391% | 62 |
| Cost of funding earning assets | 0.1860% | 4,036 |
| Net interest margin | 6.3530% | 50 |
| Noninterest income to average assets | 9.0435% | 78 |
| Noninterest expense to average assets | 13.8976% | 50 |
| Loan and lease loss provision to assets | 0.0190% | 2,531 |
| Net operating income to assets | 0.9364% | 3,024 |
| Return on assets (ROA) | 0.9364% | 3,101 |
| Pretax return on assets | 1.2119% | 2,816 |
| Return on Equity (ROE) | 13.9011% | 1,452 |
| Retained earnings to average equity (ytd only) | 13.9011% | 766 |
| Net charge-offs to loans | 0.0228% | 1,289 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 64.9333% | 788 |
| Efficiency ratio | 91.8637% | 333 |
| Assets per employee ($millions) | 1.8150% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2863% | 4,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 87.5873% | 51 |
| Net loans and leases to deposits | 97.1287% | 371 |
| Net loans and leases to core deposits | 97.2890% | 830 |
| Total domestic deposits to total assets | 90.1765% | 735 |
| Equity capital to assets | 7.0897% | 4,823 |
| Core capital (leverage) ratio | 7.7948% | 4,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.7112% | 60 |
| Memoranda: | ||
| Average total assets | $316,515,000 | 2,362 |
| Average earning assets | $303,162,000 | 2,308 |
| Average equity | $21,322,000 | 3,128 |
| Average total loans | $263,379,500 | 1,904 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6146% | 153 |
| Cost of funding earning assets | 0.8071% | 1,175 |
| Net interest margin | 4.8075% | 171 |
| Noninterest income to average assets | 11.9057% | 59 |
| Noninterest expense to average assets | 13.6912% | 54 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.1851% | 189 |
| Return on assets (ROA) | 2.1851% | 198 |
| Pretax return on assets | 2.7595% | 138 |
| Return on Equity (ROE) | 27.8063% | 78 |
| Retained earnings to average equity (ytd only) | 27.8063% | 34 |
| Net charge-offs to loans | 0.0027% | 3,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 1,386.0000% | 79 |
| Efficiency ratio | 83.2254% | 682 |
| Assets per employee ($millions) | 1.6122% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3779% | 4,866 |
| Loan loss allowance to noncurrent loans | 21,450.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,480 |
| Noncurrent loans to loans | 0.0018% | 4,409 |
| Net loans and leases to total assets | 77.5088% | 648 |
| Net loans and leases to deposits | 93.4687% | 691 |
| Net loans and leases to core deposits | 93.9626% | 1,251 |
| Total domestic deposits to total assets | 82.9249% | 3,434 |
| Equity capital to assets | 6.3235% | 4,968 |
| Core capital (leverage) ratio | 7.2289% | 4,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.4622% | 137 |
| Memoranda: | ||
| Average total assets | $200,903,400 | 2,937 |
| Average earning assets | $189,932,600 | 2,911 |
| Average equity | $15,787,800 | 3,578 |
| Average total loans | $148,072,000 | 2,677 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5397% | 210 |
| Cost of funding earning assets | 0.9810% | 812 |
| Net interest margin | 4.5588% | 337 |
| Noninterest income to average assets | 12.8133% | 59 |
| Noninterest expense to average assets | 14.4236% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.1566% | 220 |
| Return on assets (ROA) | 2.1566% | 236 |
| Pretax return on assets | 2.6879% | 162 |
| Return on Equity (ROE) | 25.4113% | 108 |
| Retained earnings to average equity (ytd only) | 25.4113% | 47 |
| Net charge-offs to loans | 0.0042% | 3,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 898.0000% | 128 |
| Efficiency ratio | 84.2918% | 583 |
| Assets per employee ($millions) | 1.7157% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4646% | 4,844 |
| Loan loss allowance to noncurrent loans | 85,800.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,539 |
| Noncurrent loans to loans | 0.0005% | 4,471 |
| Net loans and leases to total assets | 81.1608% | 508 |
| Net loans and leases to deposits | 95.3307% | 809 |
| Net loans and leases to core deposits | 96.3854% | 1,423 |
| Total domestic deposits to total assets | 85.1360% | 2,380 |
| Equity capital to assets | 7.4834% | 4,861 |
| Core capital (leverage) ratio | 8.0269% | 4,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5378% | 160 |
| Memoranda: | ||
| Average total assets | $178,175,250 | 3,107 |
| Average earning assets | $167,994,250 | 3,079 |
| Average equity | $15,121,500 | 3,643 |
| Average total loans | $128,329,750 | 2,886 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2944% | 486 |
| Cost of funding earning assets | 1.1605% | 590 |
| Net interest margin | 4.1339% | 1,050 |
| Noninterest income to average assets | 12.8459% | 54 |
| Noninterest expense to average assets | 14.6401% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6091% | 747 |
| Return on assets (ROA) | 1.6091% | 817 |
| Pretax return on assets | 2.0916% | 450 |
| Return on Equity (ROE) | 17.9705% | 370 |
| Retained earnings to average equity (ytd only) | 17.9705% | 123 |
| Net charge-offs to loans | 0.0073% | 2,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 423.7500% | 236 |
| Efficiency ratio | 87.4991% | 476 |
| Assets per employee ($millions) | 1.7085% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6796% | 4,607 |
| Loan loss allowance to noncurrent loans | 1,191.6667% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 4,359 |
| Noncurrent loans to loans | 0.0570% | 4,246 |
| Net loans and leases to total assets | 64.3833% | 2,836 |
| Net loans and leases to deposits | 73.5962% | 3,114 |
| Net loans and leases to core deposits | 74.6325% | 3,411 |
| Total domestic deposits to total assets | 87.4819% | 1,425 |
| Equity capital to assets | 7.8922% | 4,766 |
| Core capital (leverage) ratio | 9.2078% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4669% | 168 |
| Memoranda: | ||
| Average total assets | $162,075,667 | 3,227 |
| Average earning assets | $152,349,000 | 3,202 |
| Average equity | $14,512,667 | 3,704 |
| Average total loans | $109,551,000 | 3,107 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0732% | 841 |
| Cost of funding earning assets | 1.4495% | 322 |
| Net interest margin | 3.6237% | 2,591 |
| Noninterest income to average assets | 12.5770% | 51 |
| Noninterest expense to average assets | 15.8461% | 47 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0247% | 4,734 |
| Return on assets (ROA) | 0.0247% | 4,721 |
| Pretax return on assets | 0.1208% | 4,644 |
| Return on Equity (ROE) | 0.2556% | 4,716 |
| Retained earnings to average equity (ytd only) | 0.2556% | 3,931 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2436% | 248 |
| Assets per employee ($millions) | 1.0579% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 4,411 |
| Loan loss allowance to noncurrent loans | 1,197.2222% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 4,372 |
| Noncurrent loans to loans | 0.0669% | 4,269 |
| Net loans and leases to total assets | 70.0881% | 2,237 |
| Net loans and leases to deposits | 92.3715% | 1,239 |
| Net loans and leases to core deposits | 94.5606% | 1,917 |
| Total domestic deposits to total assets | 75.8763% | 4,502 |
| Equity capital to assets | 9.2554% | 4,425 |
| Core capital (leverage) ratio | 9.7398% | 3,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5204% | 472 |
| Memoranda: | ||
| Average total assets | $145,726,500 | 3,385 |
| Average earning assets | $136,325,000 | 3,367 |
| Average equity | $14,083,000 | 3,762 |
| Average total loans | $101,196,500 | 3,211 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4268% | 636 |
| Cost of funding earning assets | 1.8342% | 124 |
| Net interest margin | 3.5927% | 3,156 |
| Noninterest income to average assets | 14.3592% | 49 |
| Noninterest expense to average assets | 16.5612% | 43 |
| Loan and lease loss provision to assets | 0.0206% | 3,607 |
| Net operating income to assets | 0.8306% | 3,453 |
| Return on assets (ROA) | 0.8306% | 3,548 |
| Pretax return on assets | 1.0684% | 3,269 |
| Return on Equity (ROE) | 7.4145% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.4145% | 1,201 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8301% | 249 |
| Assets per employee ($millions) | 0.7995% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 3,917 |
| Loan loss allowance to noncurrent loans | 1,180.8219% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 4,370 |
| Noncurrent loans to loans | 0.0770% | 4,221 |
| Net loans and leases to total assets | 67.4967% | 2,751 |
| Net loans and leases to deposits | 88.9510% | 1,707 |
| Net loans and leases to core deposits | 92.7366% | 2,183 |
| Total domestic deposits to total assets | 75.8808% | 4,611 |
| Equity capital to assets | 10.1115% | 3,822 |
| Core capital (leverage) ratio | 10.3677% | 3,106 |
| Tier 1 risk-based capital ratio | 23.1206% | 904 |
| Total risk-based capital ratio | 24.3724% | 883 |
| Memoranda: | ||
| Average total assets | $121,120,800 | 3,682 |
| Average earning assets | $110,948,600 | 3,695 |
| Average equity | $13,568,000 | 3,811 |
| Average total loans | $92,359,400 | 3,352 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5845% | 509 |
| Cost of funding earning assets | 1.9055% | 91 |
| Net interest margin | 3.6791% | 2,997 |
| Noninterest income to average assets | 15.1583% | 46 |
| Noninterest expense to average assets | 17.0150% | 41 |
| Loan and lease loss provision to assets | 0.0286% | 3,335 |
| Net operating income to assets | 1.1455% | 2,386 |
| Return on assets (ROA) | 1.1455% | 2,475 |
| Pretax return on assets | 1.4656% | 2,058 |
| Return on Equity (ROE) | 9.9377% | 2,457 |
| Retained earnings to average equity (ytd only) | 9.9377% | 762 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9271% | 272 |
| Assets per employee ($millions) | 0.8567% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 4,198 |
| Loan loss allowance to noncurrent loans | 1,231.4286% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 4,434 |
| Noncurrent loans to loans | 0.0699% | 4,322 |
| Net loans and leases to total assets | 77.8274% | 1,172 |
| Net loans and leases to deposits | 113.2645% | 146 |
| Net loans and leases to core deposits | 118.3869% | 579 |
| Total domestic deposits to total assets | 68.7130% | 5,043 |
| Equity capital to assets | 10.9061% | 3,191 |
| Core capital (leverage) ratio | 10.5946% | 3,011 |
| Tier 1 risk-based capital ratio | 19.5598% | 1,446 |
| Total risk-based capital ratio | 20.7736% | 1,424 |
| Memoranda: | ||
| Average total assets | $116,623,750 | 3,791 |
| Average earning assets | $106,219,000 | 3,817 |
| Average equity | $13,443,500 | 3,861 |
| Average total loans | $91,760,250 | 3,405 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4005% | 679 |
| Cost of funding earning assets | 1.7670% | 149 |
| Net interest margin | 3.6335% | 3,151 |
| Noninterest income to average assets | 14.4789% | 47 |
| Noninterest expense to average assets | 15.5591% | 43 |
| Loan and lease loss provision to assets | 0.0443% | 2,938 |
| Net operating income to assets | 1.7158% | 705 |
| Return on assets (ROA) | 1.7158% | 735 |
| Pretax return on assets | 2.1744% | 470 |
| Return on Equity (ROE) | 14.5886% | 854 |
| Retained earnings to average equity (ytd only) | 14.5886% | 193 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5199% | 461 |
| Assets per employee ($millions) | 1.0099% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 4,241 |
| Loan loss allowance to noncurrent loans | 1,197.2222% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 4,482 |
| Noncurrent loans to loans | 0.0717% | 4,362 |
| Net loans and leases to total assets | 77.6336% | 1,286 |
| Net loans and leases to deposits | 115.8277% | 119 |
| Net loans and leases to core deposits | 120.5888% | 528 |
| Total domestic deposits to total assets | 67.0251% | 5,131 |
| Equity capital to assets | 10.8378% | 3,234 |
| Core capital (leverage) ratio | 11.9350% | 1,866 |
| Tier 1 risk-based capital ratio | 18.9836% | 1,562 |
| Total risk-based capital ratio | 20.1644% | 1,541 |
| Memoranda: | ||
| Average total assets | $112,950,330 | 3,859 |
| Average earning assets | $102,546,330 | 3,891 |
| Average equity | $13,284,330 | 3,889 |
| Average total loans | $88,945,670 | 3,479 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1316% | 1,039 |
| Cost of funding earning assets | 1.5086% | 315 |
| Net interest margin | 3.6230% | 3,168 |
| Noninterest income to average assets | 10.6175% | 54 |
| Noninterest expense to average assets | 13.1664% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6610% | 4,057 |
| Return on assets (ROA) | 0.6610% | 4,096 |
| Pretax return on assets | 0.7901% | 4,066 |
| Return on Equity (ROE) | 5.3635% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.3635% | 2,754 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3386% | 263 |
| Assets per employee ($millions) | 0.8128% | 5,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 3,763 |
| Loan loss allowance to noncurrent loans | 1,146.5753% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 4,471 |
| Noncurrent loans to loans | 0.0865% | 4,363 |
| Net loans and leases to total assets | 79.7005% | 875 |
| Net loans and leases to deposits | 117.7185% | 108 |
| Net loans and leases to core deposits | 124.8241% | 409 |
| Total domestic deposits to total assets | 67.7043% | 5,180 |
| Equity capital to assets | 12.4721% | 1,753 |
| Core capital (leverage) ratio | 13.3872% | 1,123 |
| Tier 1 risk-based capital ratio | 20.6686% | 1,218 |
| Total risk-based capital ratio | 21.9186% | 1,196 |
| Memoranda: | ||
| Average total assets | $105,298,000 | 4,018 |
| Average earning assets | $97,045,500 | 4,029 |
| Average equity | $12,976,500 | 3,951 |
| Average total loans | $83,203,000 | 3,631 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4481% | 442 |
| Cost of funding earning assets | 1.1330% | 450 |
| Net interest margin | 4.3151% | 1,112 |
| Noninterest income to average assets | 5.4579% | 89 |
| Noninterest expense to average assets | 8.8139% | 79 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3857% | 4,881 |
| Return on assets (ROA) | 0.3857% | 4,881 |
| Pretax return on assets | 0.6987% | 4,419 |
| Return on Equity (ROE) | 3.2115% | 4,869 |
| Retained earnings to average equity (ytd only) | 3.2115% | 3,796 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6546% | 268 |
| Assets per employee ($millions) | 1.0902% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,554 |
| Loan loss allowance to noncurrent loans | 1,101.3158% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 4,460 |
| Noncurrent loans to loans | 0.0927% | 4,335 |
| Net loans and leases to total assets | 76.7556% | 1,477 |
| Net loans and leases to deposits | 115.3024% | 153 |
| Net loans and leases to core deposits | 123.5667% | 454 |
| Total domestic deposits to total assets | 66.5689% | 5,239 |
| Equity capital to assets | 12.1763% | 1,775 |
| Core capital (leverage) ratio | 12.3599% | 1,530 |
| Tier 1 risk-based capital ratio | 20.8169% | 1,177 |
| Total risk-based capital ratio | 22.0670% | 1,160 |
| Memoranda: | ||
| Average total assets | $106,047,800 | 4,003 |
| Average earning assets | $99,650,000 | 3,982 |
| Average equity | $12,735,600 | 3,927 |
| Average total loans | $83,104,800 | 3,608 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5160% | 349 |
| Cost of funding earning assets | 0.9191% | 844 |
| Net interest margin | 4.5969% | 599 |
| Noninterest income to average assets | 3.8910% | 121 |
| Noninterest expense to average assets | 7.5646% | 99 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4975% | 4,765 |
| Return on assets (ROA) | 0.4975% | 4,771 |
| Pretax return on assets | 0.6747% | 4,594 |
| Return on Equity (ROE) | 4.1572% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.1572% | 3,697 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8115% | 284 |
| Assets per employee ($millions) | 1.0270% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 3,459 |
| Loan loss allowance to noncurrent loans | 1,087.0130% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 4,597 |
| Noncurrent loans to loans | 0.0966% | 4,456 |
| Net loans and leases to total assets | 76.7838% | 1,538 |
| Net loans and leases to deposits | 106.9552% | 399 |
| Net loans and leases to core deposits | 114.2474% | 802 |
| Total domestic deposits to total assets | 71.7907% | 5,146 |
| Equity capital to assets | 12.5161% | 1,576 |
| Core capital (leverage) ratio | 12.4561% | 1,524 |
| Tier 1 risk-based capital ratio | 21.1979% | 1,156 |
| Total risk-based capital ratio | 22.4490% | 1,138 |
| Memoranda: | ||
| Average total assets | $106,123,250 | 4,039 |
| Average earning assets | $100,384,250 | 4,011 |
| Average equity | $12,700,500 | 3,957 |
| Average total loans | $83,380,250 | 3,635 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5936% | 277 |
| Cost of funding earning assets | 0.8328% | 995 |
| Net interest margin | 4.7609% | 382 |
| Noninterest income to average assets | 2.7633% | 182 |
| Noninterest expense to average assets | 6.5707% | 121 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5407% | 4,649 |
| Return on assets (ROA) | 0.5407% | 4,655 |
| Pretax return on assets | 0.7123% | 4,479 |
| Return on Equity (ROE) | 4.5852% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.5852% | 3,298 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2202% | 361 |
| Assets per employee ($millions) | 1.7197% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 3,561 |
| Loan loss allowance to noncurrent loans | 1,087.0130% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 4,623 |
| Noncurrent loans to loans | 0.0961% | 4,485 |
| Net loans and leases to total assets | 79.4927% | 1,095 |
| Net loans and leases to deposits | 101.2735% | 713 |
| Net loans and leases to core deposits | 109.9728% | 1,005 |
| Total domestic deposits to total assets | 78.4931% | 4,509 |
| Equity capital to assets | 12.7953% | 1,397 |
| Core capital (leverage) ratio | 12.2793% | 1,552 |
| Tier 1 risk-based capital ratio | 20.9418% | 1,186 |
| Total risk-based capital ratio | 22.1946% | 1,161 |
| Memoranda: | ||
| Average total assets | $107,264,330 | 4,063 |
| Average earning assets | $101,830,000 | 4,021 |
| Average equity | $12,649,330 | 3,985 |
| Average total loans | $84,609,000 | 3,634 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6310% | 224 |
| Cost of funding earning assets | 0.7855% | 1,015 |
| Net interest margin | 4.8455% | 312 |
| Noninterest income to average assets | 1.2213% | 621 |
| Noninterest expense to average assets | 5.0042% | 220 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6665% | 4,220 |
| Return on assets (ROA) | 0.6665% | 4,224 |
| Pretax return on assets | 0.8394% | 4,057 |
| Return on Equity (ROE) | 5.8763% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.8763% | 2,765 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6350% | 673 |
| Assets per employee ($millions) | 2.5014% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 3,988 |
| Loan loss allowance to noncurrent loans | 1,087.0130% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 4,723 |
| Noncurrent loans to loans | 0.0917% | 4,564 |
| Net loans and leases to total assets | 79.1462% | 1,057 |
| Net loans and leases to deposits | 99.8044% | 723 |
| Net loans and leases to core deposits | 110.3852% | 980 |
| Total domestic deposits to total assets | 79.3014% | 4,530 |
| Equity capital to assets | 12.0493% | 1,750 |
| Core capital (leverage) ratio | 11.2851% | 2,181 |
| Tier 1 risk-based capital ratio | 20.8285% | 1,227 |
| Total risk-based capital ratio | 22.0802% | 1,206 |
| Memoranda: | ||
| Average total assets | $111,026,500 | 4,048 |
| Average earning assets | $105,913,500 | 3,990 |
| Average equity | $12,593,000 | 4,031 |
| Average total loans | $86,852,000 | 3,613 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1772% | 106 |
| Cost of funding earning assets | 0.7872% | 670 |
| Net interest margin | 5.3900% | 122 |
| Noninterest income to average assets | 0.2561% | 4,602 |
| Noninterest expense to average assets | 3.6506% | 849 |
| Loan and lease loss provision to assets | 0.2144% | 922 |
| Net operating income to assets | 0.9977% | 2,252 |
| Return on assets (ROA) | 0.9977% | 2,288 |
| Pretax return on assets | 1.5480% | 1,457 |
| Return on Equity (ROE) | 9.4224% | 2,129 |
| Retained earnings to average equity (ytd only) | 9.4224% | 436 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4415% | 3,013 |
| Assets per employee ($millions) | 6.8819% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 4,302 |
| Loan loss allowance to noncurrent loans | 1,087.0130% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 4,795 |
| Noncurrent loans to loans | 0.0858% | 4,620 |
| Net loans and leases to total assets | 75.9695% | 1,601 |
| Net loans and leases to deposits | 93.5874% | 1,319 |
| Net loans and leases to core deposits | 102.3881% | 1,532 |
| Total domestic deposits to total assets | 81.1749% | 4,078 |
| Equity capital to assets | 10.7075% | 2,937 |
| Core capital (leverage) ratio | 10.2045% | 3,184 |
| Tier 1 risk-based capital ratio | 21.4836% | 1,070 |
| Total risk-based capital ratio | 22.7362% | 1,052 |
| Memoranda: | ||
| Average total assets | $112,857,400 | 4,012 |
| Average earning assets | $107,978,000 | 3,949 |
| Average equity | $11,950,200 | 4,145 |
| Average total loans | $86,223,400 | 3,606 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0500% | 125 |
| Cost of funding earning assets | 0.7927% | 604 |
| Net interest margin | 5.2573% | 155 |
| Noninterest income to average assets | 0.2766% | 4,532 |
| Noninterest expense to average assets | 3.4422% | 1,081 |
| Loan and lease loss provision to assets | 0.2885% | 549 |
| Net operating income to assets | 1.0349% | 2,395 |
| Return on assets (ROA) | 1.0349% | 2,431 |
| Pretax return on assets | 1.5751% | 1,500 |
| Return on Equity (ROE) | 9.8026% | 2,203 |
| Retained earnings to average equity (ytd only) | 9.8026% | 625 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8764% | 3,388 |
| Assets per employee ($millions) | 9.2848% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8800% | 4,646 |
| Loan loss allowance to noncurrent loans | 1,073.0769% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 4,914 |
| Noncurrent loans to loans | 0.0820% | 4,742 |
| Net loans and leases to total assets | 78.1056% | 1,254 |
| Net loans and leases to deposits | 96.8254% | 1,022 |
| Net loans and leases to core deposits | 106.1428% | 1,263 |
| Total domestic deposits to total assets | 80.6664% | 4,149 |
| Equity capital to assets | 10.1432% | 3,755 |
| Core capital (leverage) ratio | 10.0646% | 3,486 |
| Tier 1 risk-based capital ratio | 19.3159% | 1,517 |
| Total risk-based capital ratio | 20.5682% | 1,471 |
| Memoranda: | ||
| Average total assets | $111,823,500 | 4,069 |
| Average earning assets | $106,972,000 | 4,008 |
| Average equity | $11,806,000 | 4,215 |
| Average total loans | $85,350,250 | 3,653 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8739% | 146 |
| Cost of funding earning assets | 0.8125% | 497 |
| Net interest margin | 5.0614% | 199 |
| Noninterest income to average assets | 0.2719% | 4,601 |
| Noninterest expense to average assets | 3.3896% | 1,197 |
| Loan and lease loss provision to assets | 0.1010% | 1,997 |
| Net operating income to assets | 1.0858% | 2,054 |
| Return on assets (ROA) | 1.0858% | 2,103 |
| Pretax return on assets | 1.6222% | 1,271 |
| Return on Equity (ROE) | 10.1369% | 1,969 |
| Retained earnings to average equity (ytd only) | 10.1369% | 551 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2954% | 3,303 |
| Assets per employee ($millions) | 9.2583% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7580% | 5,056 |
| Loan loss allowance to noncurrent loans | 833.3333% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 4,915 |
| Noncurrent loans to loans | 0.0910% | 4,761 |
| Net loans and leases to total assets | 76.6013% | 1,448 |
| Net loans and leases to deposits | 96.6838% | 1,012 |
| Net loans and leases to core deposits | 98.9133% | 1,732 |
| Total domestic deposits to total assets | 79.2286% | 4,582 |
| Equity capital to assets | 10.7705% | 3,059 |
| Core capital (leverage) ratio | 10.6079% | 2,804 |
| Tier 1 risk-based capital ratio | 19.8427% | 1,397 |
| Total risk-based capital ratio | 20.9422% | 1,397 |
| Memoranda: | ||
| Average total assets | $108,864,000 | 4,147 |
| Average earning assets | $104,122,000 | 4,092 |
| Average equity | $11,660,330 | 4,248 |
| Average total loans | $82,096,330 | 3,740 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6839% | 184 |
| Cost of funding earning assets | 0.8458% | 383 |
| Net interest margin | 4.8381% | 295 |
| Noninterest income to average assets | 0.2747% | 4,580 |
| Noninterest expense to average assets | 3.2521% | 1,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1694% | 1,592 |
| Return on assets (ROA) | 1.1694% | 1,635 |
| Pretax return on assets | 1.6520% | 1,120 |
| Return on Equity (ROE) | 10.9494% | 1,584 |
| Retained earnings to average equity (ytd only) | 10.9494% | 615 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3134% | 3,443 |
| Assets per employee ($millions) | 8.7164% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7304% | 5,245 |
| Loan loss allowance to noncurrent loans | 762.8205% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 4,998 |
| Noncurrent loans to loans | 0.0957% | 4,807 |
| Net loans and leases to total assets | 71.3705% | 2,157 |
| Net loans and leases to deposits | 89.7073% | 1,574 |
| Net loans and leases to core deposits | 92.0433% | 2,161 |
| Total domestic deposits to total assets | 79.5593% | 4,704 |
| Equity capital to assets | 10.2954% | 3,411 |
| Core capital (leverage) ratio | 10.6330% | 2,762 |
| Tier 1 risk-based capital ratio | 19.9387% | 1,409 |
| Total risk-based capital ratio | 20.9743% | 1,417 |
| Memoranda: | ||
| Average total assets | $107,746,000 | 4,209 |
| Average earning assets | $103,099,000 | 4,152 |
| Average equity | $11,507,500 | 4,307 |
| Average total loans | $80,267,500 | 3,805 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 701 |
| Cost of funding earning assets | 0.9336% | 247 |
| Net interest margin | 3.9880% | 1,664 |
| Noninterest income to average assets | 0.4090% | 3,810 |
| Noninterest expense to average assets | 2.5368% | 3,891 |
| Loan and lease loss provision to assets | 0.0523% | 3,343 |
| Net operating income to assets | 1.0890% | 1,940 |
| Return on assets (ROA) | 1.0890% | 2,045 |
| Pretax return on assets | 1.6183% | 1,223 |
| Return on Equity (ROE) | 9.8012% | 2,053 |
| Retained earnings to average equity (ytd only) | 9.8012% | 444 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2934% | 4,539 |
| Assets per employee ($millions) | 8.5149% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 5,231 |
| Loan loss allowance to noncurrent loans | 753.1646% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 5,029 |
| Noncurrent loans to loans | 0.0999% | 4,838 |
| Net loans and leases to total assets | 76.7995% | 1,395 |
| Net loans and leases to deposits | 98.6858% | 764 |
| Net loans and leases to core deposits | 101.8984% | 1,452 |
| Total domestic deposits to total assets | 77.8223% | 5,000 |
| Equity capital to assets | 11.1070% | 2,532 |
| Core capital (leverage) ratio | 10.9752% | 2,365 |
| Tier 1 risk-based capital ratio | 19.1117% | 1,566 |
| Total risk-based capital ratio | 20.1258% | 1,594 |
| Memoranda: | ||
| Average total assets | $95,593,400 | 4,438 |
| Average earning assets | $91,048,200 | 4,368 |
| Average equity | $10,621,200 | 4,474 |
| Average total loans | $72,808,200 | 3,972 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 918 |
| Cost of funding earning assets | 0.9409% | 234 |
| Net interest margin | 3.8516% | 2,153 |
| Noninterest income to average assets | 0.4612% | 3,481 |
| Noninterest expense to average assets | 2.5673% | 3,774 |
| Loan and lease loss provision to assets | 0.0710% | 2,793 |
| Net operating income to assets | 0.9679% | 2,579 |
| Return on assets (ROA) | 0.9679% | 2,713 |
| Pretax return on assets | 1.4887% | 1,742 |
| Return on Equity (ROE) | 8.7105% | 2,657 |
| Retained earnings to average equity (ytd only) | 8.7105% | 907 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2077% | 4,191 |
| Assets per employee ($millions) | 8.5102% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8018% | 5,183 |
| Loan loss allowance to noncurrent loans | 753.1646% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 5,127 |
| Noncurrent loans to loans | 0.1065% | 4,916 |
| Net loans and leases to total assets | 72.0834% | 2,181 |
| Net loans and leases to deposits | 92.1084% | 1,482 |
| Net loans and leases to core deposits | 95.0864% | 2,094 |
| Total domestic deposits to total assets | 78.2593% | 4,867 |
| Equity capital to assets | 10.8292% | 3,219 |
| Core capital (leverage) ratio | 10.9420% | 2,515 |
| Tier 1 risk-based capital ratio | 18.7303% | 1,725 |
| Total risk-based capital ratio | 19.7490% | 1,754 |
| Memoranda: | ||
| Average total assets | $93,947,000 | 4,508 |
| Average earning assets | $89,415,000 | 4,441 |
| Average equity | $10,439,250 | 4,549 |
| Average total loans | $71,243,250 | 4,036 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8353% | 820 |
| Cost of funding earning assets | 0.9209% | 260 |
| Net interest margin | 3.9144% | 1,931 |
| Noninterest income to average assets | 0.5218% | 3,052 |
| Noninterest expense to average assets | 2.7274% | 3,284 |
| Loan and lease loss provision to assets | 0.1096% | 2,038 |
| Net operating income to assets | 0.9230% | 2,757 |
| Return on assets (ROA) | 0.9230% | 2,892 |
| Pretax return on assets | 1.4032% | 2,013 |
| Return on Equity (ROE) | 8.2285% | 2,871 |
| Retained earnings to average equity (ytd only) | 8.2285% | 1,100 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3226% | 3,959 |
| Assets per employee ($millions) | 7.9855% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8127% | 5,247 |
| Loan loss allowance to noncurrent loans | 716.8675% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 5,179 |
| Noncurrent loans to loans | 0.1134% | 4,995 |
| Net loans and leases to total assets | 75.7853% | 1,524 |
| Net loans and leases to deposits | 97.7153% | 913 |
| Net loans and leases to core deposits | 100.7645% | 1,579 |
| Total domestic deposits to total assets | 77.5572% | 5,076 |
| Equity capital to assets | 11.2642% | 2,783 |
| Core capital (leverage) ratio | 11.5637% | 1,943 |
| Tier 1 risk-based capital ratio | 17.8613% | 1,974 |
| Total risk-based capital ratio | 18.8695% | 2,002 |
| Memoranda: | ||
| Average total assets | $91,222,000 | 4,597 |
| Average earning assets | $86,653,670 | 4,529 |
| Average equity | $10,232,670 | 4,605 |
| Average total loans | $70,255,000 | 4,091 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8572% | 756 |
| Cost of funding earning assets | 0.9012% | 290 |
| Net interest margin | 3.9559% | 1,763 |
| Noninterest income to average assets | 0.7063% | 2,018 |
| Noninterest expense to average assets | 3.1174% | 2,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9177% | 2,668 |
| Return on assets (ROA) | 0.9177% | 2,778 |
| Pretax return on assets | 1.3405% | 2,135 |
| Return on Equity (ROE) | 8.1994% | 2,805 |
| Retained earnings to average equity (ytd only) | 8.1994% | 1,377 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9294% | 3,147 |
| Assets per employee ($millions) | 8.1321% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7660% | 5,453 |
| Loan loss allowance to noncurrent loans | 689.8734% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 5,230 |
| Noncurrent loans to loans | 0.1110% | 5,029 |
| Net loans and leases to total assets | 78.9286% | 963 |
| Net loans and leases to deposits | 100.2983% | 608 |
| Net loans and leases to core deposits | 103.6070% | 1,210 |
| Total domestic deposits to total assets | 78.6938% | 5,031 |
| Equity capital to assets | 11.2540% | 2,672 |
| Core capital (leverage) ratio | 11.0503% | 2,357 |
| Tier 1 risk-based capital ratio | 16.3071% | 2,556 |
| Total risk-based capital ratio | 17.2228% | 2,637 |
| Memoranda: | ||
| Average total assets | $88,920,000 | 4,680 |
| Average earning assets | $84,329,000 | 4,611 |
| Average equity | $9,952,000 | 4,666 |
| Average total loans | $68,774,000 | 4,139 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8458% | 855 |
| Cost of funding earning assets | 0.9081% | 280 |
| Net interest margin | 3.9377% | 1,907 |
| Noninterest income to average assets | 0.3484% | 4,416 |
| Noninterest expense to average assets | 2.5978% | 3,930 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3412% | 1,174 |
| Return on assets (ROA) | 1.3412% | 1,210 |
| Pretax return on assets | 1.4667% | 1,664 |
| Return on Equity (ROE) | 12.1436% | 1,268 |
| Retained earnings to average equity (ytd only) | 12.1436% | 243 |
| Net charge-offs to loans | -0.0133% | 5,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9143% | 4,287 |
| Assets per employee ($millions) | 7.3656% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 5,355 |
| Loan loss allowance to noncurrent loans | 681.2500% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 5,257 |
| Noncurrent loans to loans | 0.1205% | 5,012 |
| Net loans and leases to total assets | 74.5064% | 1,645 |
| Net loans and leases to deposits | 94.9644% | 1,117 |
| Net loans and leases to core deposits | 97.4114% | 1,722 |
| Total domestic deposits to total assets | 78.4572% | 5,071 |
| Equity capital to assets | 11.1295% | 2,700 |
| Core capital (leverage) ratio | 11.0964% | 2,312 |
| Tier 1 risk-based capital ratio | 16.3938% | 2,530 |
| Total risk-based capital ratio | 17.3440% | 2,593 |
| Memoranda: | ||
| Average total assets | $78,064,800 | 4,911 |
| Average earning assets | $73,671,600 | 4,866 |
| Average equity | $8,621,800 | 4,927 |
| Average total loans | $60,269,200 | 4,373 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8590% | 837 |
| Cost of funding earning assets | 0.9182% | 262 |
| Net interest margin | 3.9408% | 1,892 |
| Noninterest income to average assets | 0.0424% | 6,116 |
| Noninterest expense to average assets | 2.6513% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2453% | 1,510 |
| Return on assets (ROA) | 1.2453% | 1,562 |
| Pretax return on assets | 1.1057% | 3,198 |
| Return on Equity (ROE) | 11.3006% | 1,595 |
| Retained earnings to average equity (ytd only) | 11.3006% | 436 |
| Net charge-offs to loans | -0.0159% | 5,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5689% | 3,119 |
| Assets per employee ($millions) | 7.5487% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 5,377 |
| Loan loss allowance to noncurrent loans | 680.0000% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 5,361 |
| Noncurrent loans to loans | 0.1247% | 5,131 |
| Net loans and leases to total assets | 76.6342% | 1,300 |
| Net loans and leases to deposits | 95.2163% | 1,074 |
| Net loans and leases to core deposits | 97.3161% | 1,761 |
| Total domestic deposits to total assets | 80.4844% | 4,609 |
| Equity capital to assets | 11.0386% | 2,977 |
| Core capital (leverage) ratio | 10.7042% | 2,817 |
| Tier 1 risk-based capital ratio | 15.9475% | 2,822 |
| Total risk-based capital ratio | 16.9641% | 2,878 |
| Memoranda: | ||
| Average total assets | $75,484,250 | 5,014 |
| Average earning assets | $71,150,750 | 4,966 |
| Average equity | $8,318,000 | 5,067 |
| Average total loans | $58,736,750 | 4,456 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9027% | 728 |
| Cost of funding earning assets | 0.9322% | 245 |
| Net interest margin | 3.9705% | 1,731 |
| Noninterest income to average assets | 0.0439% | 6,192 |
| Noninterest expense to average assets | 2.7136% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5212% | 864 |
| Return on assets (ROA) | 1.5212% | 909 |
| Pretax return on assets | 1.0662% | 3,322 |
| Return on Equity (ROE) | 13.8140% | 942 |
| Retained earnings to average equity (ytd only) | 13.8140% | 244 |
| Net charge-offs to loans | -0.0176% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7912% | 3,028 |
| Assets per employee ($millions) | 6.2985% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 5,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 77.0792% | 1,205 |
| Net loans and leases to deposits | 98.2577% | 773 |
| Net loans and leases to core deposits | 100.7070% | 1,428 |
| Total domestic deposits to total assets | 78.4459% | 5,196 |
| Equity capital to assets | 11.9102% | 2,097 |
| Core capital (leverage) ratio | 11.6593% | 1,874 |
| Tier 1 risk-based capital ratio | 16.9826% | 2,407 |
| Total risk-based capital ratio | 18.0911% | 2,425 |
| Memoranda: | ||
| Average total assets | $72,967,000 | 5,128 |
| Average earning assets | $68,655,670 | 5,072 |
| Average equity | $8,035,330 | 5,158 |
| Average total loans | $56,923,000 | 4,544 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 703 |
| Cost of funding earning assets | 0.9429% | 231 |
| Net interest margin | 3.9555% | 1,704 |
| Noninterest income to average assets | 0.0447% | 6,246 |
| Noninterest expense to average assets | 2.7017% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0327% | 2,106 |
| Return on assets (ROA) | 1.0327% | 2,260 |
| Pretax return on assets | 1.0662% | 3,234 |
| Return on Equity (ROE) | 9.7987% | 2,098 |
| Retained earnings to average equity (ytd only) | 9.7987% | 974 |
| Net charge-offs to loans | -0.0143% | 4,888 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7037% | 3,217 |
| Assets per employee ($millions) | 6.4940% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 5,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 75.1043% | 1,333 |
| Net loans and leases to deposits | 94.6960% | 921 |
| Net loans and leases to core deposits | 97.1779% | 1,540 |
| Total domestic deposits to total assets | 79.3110% | 5,212 |
| Equity capital to assets | 10.7078% | 3,313 |
| Core capital (leverage) ratio | 9.9323% | 3,693 |
| Tier 1 risk-based capital ratio | 15.4816% | 3,155 |
| Total risk-based capital ratio | 16.6634% | 3,125 |
| Memoranda: | ||
| Average total assets | $71,659,500 | 5,211 |
| Average earning assets | $67,450,000 | 5,156 |
| Average equity | $7,552,000 | 5,291 |
| Average total loans | $55,984,500 | 4,614 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0599% | 691 |
| Cost of funding earning assets | 1.0159% | 217 |
| Net interest margin | 4.0439% | 1,758 |
| Noninterest income to average assets | 0.1637% | 5,878 |
| Noninterest expense to average assets | 2.9733% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7145% | 567 |
| Return on assets (ROA) | 1.7145% | 583 |
| Pretax return on assets | 0.9839% | 3,565 |
| Return on Equity (ROE) | 15.8771% | 634 |
| Retained earnings to average equity (ytd only) | 15.8771% | 128 |
| Net charge-offs to loans | -0.0141% | 5,631 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1366% | 2,645 |
| Assets per employee ($millions) | 6.5350% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 5,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 79.6314% | 790 |
| Net loans and leases to deposits | 99.1066% | 678 |
| Net loans and leases to core deposits | 102.0647% | 1,242 |
| Total domestic deposits to total assets | 80.3492% | 4,926 |
| Equity capital to assets | 10.3707% | 3,641 |
| Core capital (leverage) ratio | 10.3276% | 3,133 |
| Tier 1 risk-based capital ratio | 15.0480% | 3,462 |
| Total risk-based capital ratio | 16.1622% | 3,470 |
| Memoranda: | ||
| Average total assets | $64,741,800 | 5,428 |
| Average earning assets | $60,732,800 | 5,377 |
| Average equity | $6,991,200 | 5,416 |
| Average total loans | $49,593,200 | 4,833 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 734 |
| Cost of funding earning assets | 1.0258% | 218 |
| Net interest margin | 3.9994% | 1,882 |
| Noninterest income to average assets | 0.1461% | 6,044 |
| Noninterest expense to average assets | 2.9268% | 3,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9696% | 359 |
| Return on assets (ROA) | 1.9696% | 370 |
| Pretax return on assets | 0.9679% | 3,724 |
| Return on Equity (ROE) | 18.0353% | 442 |
| Retained earnings to average equity (ytd only) | 18.0353% | 112 |
| Net charge-offs to loans | -0.0140% | 5,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1495% | 2,640 |
| Assets per employee ($millions) | 6.3794% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 5,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 5,877 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 78.1098% | 947 |
| Net loans and leases to deposits | 95.7749% | 902 |
| Net loans and leases to core deposits | 98.6573% | 1,474 |
| Total domestic deposits to total assets | 81.5556% | 4,643 |
| Equity capital to assets | 10.3316% | 3,754 |
| Core capital (leverage) ratio | 10.3868% | 3,176 |
| Tier 1 risk-based capital ratio | 14.4930% | 3,889 |
| Total risk-based capital ratio | 15.5990% | 3,920 |
| Memoranda: | ||
| Average total assets | $62,956,000 | 5,535 |
| Average earning assets | $59,007,500 | 5,487 |
| Average equity | $6,875,250 | 5,495 |
| Average total loans | $47,546,500 | 4,949 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0422% | 694 |
| Cost of funding earning assets | 1.0472% | 199 |
| Net interest margin | 3.9950% | 1,817 |
| Noninterest income to average assets | 0.1652% | 5,962 |
| Noninterest expense to average assets | 3.0388% | 2,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.4509% | 152 |
| Return on assets (ROA) | 2.4509% | 158 |
| Pretax return on assets | 0.8687% | 4,003 |
| Return on Equity (ROE) | 21.9841% | 198 |
| Retained earnings to average equity (ytd only) | 21.9841% | 64 |
| Net charge-offs to loans | -0.0178% | 5,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7684% | 2,325 |
| Assets per employee ($millions) | 6.6068% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 5,042 |
| Loan loss allowance to noncurrent loans | 762.8571% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 5,100 |
| Noncurrent loans to loans | 0.1396% | 5,585 |
| Net loans and leases to total assets | 75.0908% | 1,294 |
| Net loans and leases to deposits | 93.0718% | 1,044 |
| Net loans and leases to core deposits | 96.0858% | 1,592 |
| Total domestic deposits to total assets | 80.6805% | 5,074 |
| Equity capital to assets | 10.7102% | 3,190 |
| Core capital (leverage) ratio | 11.1392% | 2,302 |
| Tier 1 risk-based capital ratio | 15.0228% | 3,624 |
| Total risk-based capital ratio | 16.2053% | 3,604 |
| Memoranda: | ||
| Average total assets | $60,550,330 | 5,642 |
| Average earning assets | $56,721,000 | 5,592 |
| Average equity | $6,750,330 | 5,548 |
| Average total loans | $44,946,330 | 5,080 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9139% | 851 |
| Cost of funding earning assets | 1.0772% | 182 |
| Net interest margin | 3.8366% | 2,315 |
| Noninterest income to average assets | 0.0554% | 6,472 |
| Noninterest expense to average assets | 3.1077% | 2,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 3.9037% | 68 |
| Return on assets (ROA) | 3.9037% | 71 |
| Pretax return on assets | 0.5468% | 5,024 |
| Return on Equity (ROE) | 34.2467% | 48 |
| Retained earnings to average equity (ytd only) | 34.2467% | 28 |
| Net charge-offs to loans | -0.0189% | 5,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0379% | 1,539 |
| Assets per employee ($millions) | 5.9967% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 4,571 |
| Loan loss allowance to noncurrent loans | 760.0000% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 4,799 |
| Noncurrent loans to loans | 0.1598% | 5,602 |
| Net loans and leases to total assets | 72.1447% | 1,558 |
| Net loans and leases to deposits | 90.7780% | 1,061 |
| Net loans and leases to core deposits | 93.5699% | 1,588 |
| Total domestic deposits to total assets | 79.4737% | 5,603 |
| Equity capital to assets | 11.4830% | 2,266 |
| Core capital (leverage) ratio | 11.2272% | 2,199 |
| Tier 1 risk-based capital ratio | 16.3036% | 3,006 |
| Total risk-based capital ratio | 17.5527% | 2,972 |
| Memoranda: | ||
| Average total assets | $57,791,500 | 5,773 |
| Average earning assets | $54,214,000 | 5,731 |
| Average equity | $6,587,500 | 5,619 |
| Average total loans | $42,347,000 | 5,226 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9366% | 1,026 |
| Cost of funding earning assets | 1.0152% | 412 |
| Net interest margin | 3.9214% | 2,213 |
| Noninterest income to average assets | 0.0828% | 6,448 |
| Noninterest expense to average assets | 3.5844% | 1,472 |
| Loan and lease loss provision to assets | -0.2069% | 6,604 |
| Net operating income to assets | 0.4532% | 4,939 |
| Return on assets (ROA) | 0.4532% | 5,067 |
| Pretax return on assets | 0.4808% | 5,258 |
| Return on Equity (ROE) | 3.7401% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.7401% | 3,560 |
| Net charge-offs to loans | -0.1516% | 6,564 |
| Credit loss provision to net charge-offs | 190.9091% | 1,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9009% | 813 |
| Assets per employee ($millions) | 5.5616% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 4,165 |
| Loan loss allowance to noncurrent loans | 370.6294% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 4,598 |
| Noncurrent loans to loans | 0.3496% | 5,138 |
| Net loans and leases to total assets | 72.5852% | 1,581 |
| Net loans and leases to deposits | 91.3946% | 1,120 |
| Net loans and leases to core deposits | 92.6617% | 1,708 |
| Total domestic deposits to total assets | 79.4196% | 5,572 |
| Equity capital to assets | 11.3079% | 2,330 |
| Core capital (leverage) ratio | 11.3913% | 2,040 |
| Tier 1 risk-based capital ratio | 16.8133% | 2,701 |
| Total risk-based capital ratio | 18.0664% | 2,654 |
| Memoranda: | ||
| Average total assets | $50,748,200 | 5,999 |
| Average earning assets | $48,859,600 | 5,921 |
| Average equity | $6,149,600 | 5,775 |
| Average total loans | $36,288,200 | 5,488 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8806% | 1,162 |
| Cost of funding earning assets | 0.9895% | 518 |
| Net interest margin | 3.8912% | 2,310 |
| Noninterest income to average assets | 0.0888% | 6,510 |
| Noninterest expense to average assets | 3.6743% | 1,283 |
| Loan and lease loss provision to assets | -0.2826% | 6,767 |
| Net operating income to assets | 0.4415% | 5,066 |
| Return on assets (ROA) | 0.4415% | 5,205 |
| Pretax return on assets | 0.4657% | 5,457 |
| Return on Equity (ROE) | 3.5759% | 5,402 |
| Retained earnings to average equity (ytd only) | 3.5759% | 4,152 |
| Net charge-offs to loans | -0.2049% | 6,654 |
| Credit loss provision to net charge-offs | 194.4444% | 1,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2547% | 661 |
| Assets per employee ($millions) | 5.0966% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 4,003 |
| Loan loss allowance to noncurrent loans | 369.9301% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 5,278 |
| Noncurrent loans to loans | 0.3717% | 5,286 |
| Net loans and leases to total assets | 67.6757% | 2,339 |
| Net loans and leases to deposits | 84.3058% | 1,840 |
| Net loans and leases to core deposits | 85.9463% | 2,412 |
| Total domestic deposits to total assets | 80.2740% | 5,435 |
| Equity capital to assets | 11.0358% | 2,726 |
| Core capital (leverage) ratio | 10.8060% | 2,662 |
| Tier 1 risk-based capital ratio | 17.1988% | 2,624 |
| Total risk-based capital ratio | 18.4494% | 2,593 |
| Memoranda: | ||
| Average total assets | $49,531,250 | 6,092 |
| Average earning assets | $47,970,500 | 6,007 |
| Average equity | $6,114,750 | 5,863 |
| Average total loans | $35,135,500 | 5,580 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9190% | 1,051 |
| Cost of funding earning assets | 0.9277% | 784 |
| Net interest margin | 3.9913% | 1,890 |
| Noninterest income to average assets | 0.1014% | 6,525 |
| Noninterest expense to average assets | 3.7125% | 1,232 |
| Loan and lease loss provision to assets | -0.2956% | 6,830 |
| Net operating income to assets | 0.5575% | 4,515 |
| Return on assets (ROA) | 0.5575% | 4,686 |
| Pretax return on assets | 0.5913% | 5,048 |
| Return on Equity (ROE) | 4.3345% | 5,078 |
| Retained earnings to average equity (ytd only) | 4.3345% | 3,517 |
| Net charge-offs to loans | -0.0470% | 6,243 |
| Credit loss provision to net charge-offs | 875.0000% | 345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6238% | 848 |
| Assets per employee ($millions) | 5.1043% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 3,736 |
| Loan loss allowance to noncurrent loans | 220.0000% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 4,913 |
| Noncurrent loans to loans | 0.6665% | 4,607 |
| Net loans and leases to total assets | 61.8733% | 3,312 |
| Net loans and leases to deposits | 76.9947% | 2,727 |
| Net loans and leases to core deposits | 78.4943% | 3,228 |
| Total domestic deposits to total assets | 80.3605% | 5,523 |
| Equity capital to assets | 10.9748% | 2,776 |
| Core capital (leverage) ratio | 12.5830% | 1,328 |
| Tier 1 risk-based capital ratio | 20.5609% | 1,601 |
| Total risk-based capital ratio | 21.8197% | 1,568 |
| Memoranda: | ||
| Average total assets | $47,354,000 | 6,201 |
| Average earning assets | $46,351,330 | 6,088 |
| Average equity | $6,090,670 | 5,907 |
| Average total loans | $34,024,000 | 5,665 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 697 |
| Cost of funding earning assets | 0.9527% | 776 |
| Net interest margin | 4.1823% | 1,235 |
| Noninterest income to average assets | 0.1304% | 6,443 |
| Noninterest expense to average assets | 4.1157% | 782 |
| Loan and lease loss provision to assets | -0.3259% | 6,923 |
| Net operating income to assets | 0.4004% | 5,131 |
| Return on assets (ROA) | 0.4004% | 5,274 |
| Pretax return on assets | 0.4283% | 5,476 |
| Return on Equity (ROE) | 2.8406% | 5,649 |
| Retained earnings to average equity (ytd only) | 2.8406% | 4,577 |
| Net charge-offs to loans | -0.0359% | 5,979 |
| Credit loss provision to net charge-offs | 1,166.6667% | 276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5717% | 654 |
| Assets per employee ($millions) | 4.4775% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 3,260 |
| Loan loss allowance to noncurrent loans | 208.3650% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 4,522 |
| Noncurrent loans to loans | 0.7840% | 4,551 |
| Net loans and leases to total assets | 73.6951% | 1,117 |
| Net loans and leases to deposits | 96.2629% | 528 |
| Net loans and leases to core deposits | 98.7432% | 1,030 |
| Total domestic deposits to total assets | 76.5561% | 6,300 |
| Equity capital to assets | 13.5678% | 1,189 |
| Core capital (leverage) ratio | 14.1439% | 761 |
| Tier 1 risk-based capital ratio | 21.4675% | 1,436 |
| Total risk-based capital ratio | 22.7270% | 1,405 |
| Memoranda: | ||
| Average total assets | $42,957,500 | 6,373 |
| Average earning assets | $41,986,000 | 6,282 |
| Average equity | $6,055,000 | 5,966 |
| Average total loans | $33,407,500 | 5,732 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4766% | 654 |
| Cost of funding earning assets | 0.9640% | 1,560 |
| Net interest margin | 4.5126% | 922 |
| Noninterest income to average assets | 0.4816% | 4,031 |
| Noninterest expense to average assets | 4.7808% | 443 |
| Loan and lease loss provision to assets | -0.0652% | 6,885 |
| Net operating income to assets | 0.0878% | 6,030 |
| Return on assets (ROA) | 0.0878% | 6,173 |
| Pretax return on assets | 0.1104% | 6,145 |
| Return on Equity (ROE) | 0.5814% | 6,204 |
| Retained earnings to average equity (ytd only) | 0.5814% | 5,560 |
| Net charge-offs to loans | -0.1487% | 6,894 |
| Credit loss provision to net charge-offs | 59.0909% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0644% | 591 |
| Assets per employee ($millions) | 3.7400% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 2,777 |
| Loan loss allowance to noncurrent loans | 335.2601% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 5,013 |
| Noncurrent loans to loans | 0.5200% | 5,234 |
| Net loans and leases to total assets | 79.4604% | 521 |
| Net loans and leases to deposits | 102.7826% | 304 |
| Net loans and leases to core deposits | 104.4476% | 764 |
| Total domestic deposits to total assets | 77.3092% | 6,189 |
| Equity capital to assets | 14.6694% | 832 |
| Core capital (leverage) ratio | 14.0325% | 792 |
| Tier 1 risk-based capital ratio | 21.1159% | 1,431 |
| Total risk-based capital ratio | 22.3741% | 1,403 |
| Memoranda: | ||
| Average total assets | $39,867,400 | 6,506 |
| Average earning assets | $38,381,400 | 6,418 |
| Average equity | $6,020,400 | 6,018 |
| Average total loans | $29,585,000 | 5,970 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4043% | 834 |
| Cost of funding earning assets | 0.9388% | 1,927 |
| Net interest margin | 4.4655% | 1,058 |
| Noninterest income to average assets | 0.6136% | 3,197 |
| Noninterest expense to average assets | 4.9051% | 387 |
| Loan and lease loss provision to assets | -0.0877% | 7,026 |
| Net operating income to assets | 0.0573% | 6,199 |
| Return on assets (ROA) | 0.0573% | 6,337 |
| Pretax return on assets | 0.0775% | 6,302 |
| Return on Equity (ROE) | 0.3768% | 6,358 |
| Retained earnings to average equity (ytd only) | 0.3768% | 5,974 |
| Net charge-offs to loans | -0.1954% | 6,983 |
| Credit loss provision to net charge-offs | 61.9048% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2066% | 526 |
| Assets per employee ($millions) | 3.6102% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8380% | 2,679 |
| Loan loss allowance to noncurrent loans | 334.1040% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 5,281 |
| Noncurrent loans to loans | 0.5501% | 5,342 |
| Net loans and leases to total assets | 71.2548% | 1,685 |
| Net loans and leases to deposits | 90.0785% | 1,138 |
| Net loans and leases to core deposits | 90.7511% | 1,899 |
| Total domestic deposits to total assets | 79.1030% | 5,844 |
| Equity capital to assets | 13.8959% | 1,196 |
| Core capital (leverage) ratio | 14.0521% | 822 |
| Tier 1 risk-based capital ratio | 21.9996% | 1,330 |
| Total risk-based capital ratio | 23.2631% | 1,304 |
| Memoranda: | ||
| Average total assets | $39,549,250 | 6,597 |
| Average earning assets | $37,919,250 | 6,514 |
| Average equity | $6,016,750 | 6,085 |
| Average total loans | $28,663,750 | 6,082 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5382% | 665 |
| Cost of funding earning assets | 0.9230% | 2,237 |
| Net interest margin | 4.6152% | 800 |
| Noninterest income to average assets | 0.9036% | 1,776 |
| Noninterest expense to average assets | 5.1708% | 336 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0836% | 6,197 |
| Return on assets (ROA) | 0.0836% | 6,341 |
| Pretax return on assets | 0.1201% | 6,287 |
| Return on Equity (ROE) | 0.5319% | 6,383 |
| Retained earnings to average equity (ytd only) | 0.5319% | 5,854 |
| Net charge-offs to loans | -0.1731% | 6,970 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7295% | 634 |
| Assets per employee ($millions) | 3.4698% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9658% | 2,322 |
| Loan loss allowance to noncurrent loans | 338.7283% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6028% | 5,268 |
| Noncurrent loans to loans | 0.5804% | 5,352 |
| Net loans and leases to total assets | 70.1852% | 1,887 |
| Net loans and leases to deposits | 87.6410% | 1,401 |
| Net loans and leases to core deposits | 88.3137% | 2,176 |
| Total domestic deposits to total assets | 80.0826% | 5,721 |
| Equity capital to assets | 14.4487% | 932 |
| Core capital (leverage) ratio | 15.6929% | 498 |
| Tier 1 risk-based capital ratio | 22.9499% | 1,135 |
| Total risk-based capital ratio | 24.2109% | 1,116 |
| Memoranda: | ||
| Average total assets | $38,291,670 | 6,675 |
| Average earning assets | $36,401,670 | 6,610 |
| Average equity | $6,015,670 | 6,113 |
| Average total loans | $27,736,000 | 6,165 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7267% | 492 |
| Cost of funding earning assets | 0.9312% | 2,436 |
| Net interest margin | 4.7955% | 570 |
| Noninterest income to average assets | 1.6166% | 558 |
| Noninterest expense to average assets | 6.0406% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0437% | 6,342 |
| Return on assets (ROA) | 0.0437% | 6,459 |
| Pretax return on assets | 0.0765% | 6,417 |
| Return on Equity (ROE) | 0.2660% | 6,482 |
| Retained earnings to average equity (ytd only) | 0.2660% | 5,899 |
| Net charge-offs to loans | -0.3146% | 7,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7500% | 600 |
| Assets per employee ($millions) | 3.3805% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1760% | 1,930 |
| Loan loss allowance to noncurrent loans | 335.0575% | 992 |
| Noncurrent assets plus other real estate owned to assets | 2.5306% | 2,342 |
| Noncurrent loans to loans | 0.6494% | 5,344 |
| Net loans and leases to total assets | 70.4827% | 1,673 |
| Net loans and leases to deposits | 90.9309% | 879 |
| Net loans and leases to core deposits | 91.7361% | 1,677 |
| Total domestic deposits to total assets | 77.5124% | 6,334 |
| Equity capital to assets | 16.1759% | 546 |
| Core capital (leverage) ratio | 16.6389% | 398 |
| Tier 1 risk-based capital ratio | 24.4873% | 954 |
| Total risk-based capital ratio | 25.7497% | 940 |
| Memoranda: | ||
| Average total assets | $36,619,000 | 6,776 |
| Average earning assets | $34,365,500 | 6,730 |
| Average equity | $6,015,500 | 6,143 |
| Average total loans | $26,699,500 | 6,268 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6776% | 817 |
| Cost of funding earning assets | 1.0723% | 2,858 |
| Net interest margin | 4.6053% | 918 |
| Noninterest income to average assets | 0.8509% | 1,842 |
| Noninterest expense to average assets | 8.2113% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -3.0569% | 7,179 |
| Return on assets (ROA) | -2.8759% | 7,173 |
| Pretax return on assets | -2.8474% | 7,171 |
| Return on Equity (ROE) | -16.6647% | 6,927 |
| Retained earnings to average equity (ytd only) | -16.6647% | 6,907 |
| Net charge-offs to loans | -0.3599% | 7,257 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.4331% | 116 |
| Assets per employee ($millions) | 3.0044% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1122% | 1,973 |
| Loan loss allowance to noncurrent loans | 321.1429% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 3.3229% | 1,787 |
| Noncurrent loans to loans | 0.6577% | 5,389 |
| Net loans and leases to total assets | 72.2409% | 1,603 |
| Net loans and leases to deposits | 94.4686% | 782 |
| Net loans and leases to core deposits | 94.4686% | 1,637 |
| Total domestic deposits to total assets | 76.4708% | 6,414 |
| Equity capital to assets | 16.6865% | 489 |
| Core capital (leverage) ratio | 15.8949% | 473 |
| Tier 1 risk-based capital ratio | 24.8362% | 884 |
| Total risk-based capital ratio | 26.1008% | 874 |
| Memoranda: | ||
| Average total assets | $38,666,200 | 6,716 |
| Average earning assets | $36,371,000 | 6,662 |
| Average equity | $6,672,800 | 5,964 |
| Average total loans | $26,951,200 | 6,301 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5843% | 1,070 |
| Cost of funding earning assets | 1.0880% | 3,059 |
| Net interest margin | 4.4963% | 1,159 |
| Noninterest income to average assets | 1.0614% | 1,192 |
| Noninterest expense to average assets | 6.5310% | 163 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -1.2682% | 6,978 |
| Return on assets (ROA) | -1.0308% | 6,925 |
| Pretax return on assets | -1.0003% | 6,877 |
| Return on Equity (ROE) | -5.9283% | 6,713 |
| Retained earnings to average equity (ytd only) | -5.9283% | 6,640 |
| Net charge-offs to loans | -0.0493% | 7,050 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.3824% | 273 |
| Assets per employee ($millions) | 3.2248% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8396% | 2,801 |
| Loan loss allowance to noncurrent loans | 659.7222% | 525 |
| Noncurrent assets plus other real estate owned to assets | 4.1914% | 1,458 |
| Noncurrent loans to loans | 0.2788% | 6,306 |
| Net loans and leases to total assets | 65.4969% | 3,005 |
| Net loans and leases to deposits | 87.2646% | 1,524 |
| Net loans and leases to core deposits | 87.2646% | 2,591 |
| Total domestic deposits to total assets | 75.0556% | 6,634 |
| Equity capital to assets | 17.5616% | 435 |
| Core capital (leverage) ratio | 18.2628% | 303 |
| Tier 1 risk-based capital ratio | 28.2267% | 638 |
| Total risk-based capital ratio | 29.4874% | 626 |
| Memoranda: | ||
| Average total assets | $39,319,500 | 6,759 |
| Average earning assets | $37,007,500 | 6,698 |
| Average equity | $6,837,000 | 5,952 |
| Average total loans | $27,037,250 | 6,349 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5372% | 1,214 |
| Cost of funding earning assets | 1.1085% | 3,174 |
| Net interest margin | 4.4287% | 1,297 |
| Noninterest income to average assets | 1.0474% | 1,199 |
| Noninterest expense to average assets | 6.2591% | 178 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.0575% | 6,959 |
| Return on assets (ROA) | -1.0575% | 6,970 |
| Pretax return on assets | -1.0272% | 6,904 |
| Return on Equity (ROE) | -6.1016% | 6,785 |
| Retained earnings to average equity (ytd only) | -6.1016% | 6,663 |
| Net charge-offs to loans | 0.0437% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -33.8333% | 5,853 |
| Efficiency ratio | 119.6325% | 347 |
| Assets per employee ($millions) | 3.2509% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 3,183 |
| Loan loss allowance to noncurrent loans | 355.8140% | 899 |
| Noncurrent assets plus other real estate owned to assets | 4.0450% | 1,579 |
| Noncurrent loans to loans | 0.4895% | 5,927 |
| Net loans and leases to total assets | 66.3838% | 2,949 |
| Net loans and leases to deposits | 88.5489% | 1,423 |
| Net loans and leases to core deposits | 88.5489% | 2,557 |
| Total domestic deposits to total assets | 74.9686% | 6,730 |
| Equity capital to assets | 17.7822% | 403 |
| Core capital (leverage) ratio | 17.7206% | 357 |
| Tier 1 risk-based capital ratio | 27.8310% | 671 |
| Total risk-based capital ratio | 29.0892% | 656 |
| Memoranda: | ||
| Average total assets | $39,526,670 | 6,804 |
| Average earning assets | $37,347,670 | 6,748 |
| Average equity | $6,850,670 | 5,961 |
| Average total loans | $27,442,670 | 6,392 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2610% | 2,005 |
| Cost of funding earning assets | 1.1432% | 3,206 |
| Net interest margin | 4.1178% | 2,200 |
| Noninterest income to average assets | 0.6334% | 2,940 |
| Noninterest expense to average assets | 6.0828% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.5685% | 7,216 |
| Return on assets (ROA) | -1.5685% | 7,217 |
| Pretax return on assets | -1.5383% | 7,173 |
| Return on Equity (ROE) | -9.1664% | 7,000 |
| Retained earnings to average equity (ytd only) | -9.1664% | 6,824 |
| Net charge-offs to loans | -0.0715% | 6,992 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.8496% | 236 |
| Assets per employee ($millions) | 3.0979% | 5,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 3,453 |
| Loan loss allowance to noncurrent loans | 274.8538% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 3.9580% | 1,683 |
| Noncurrent loans to loans | 0.6070% | 5,820 |
| Net loans and leases to total assets | 68.7831% | 2,378 |
| Net loans and leases to deposits | 90.7575% | 1,148 |
| Net loans and leases to core deposits | 90.7575% | 2,270 |
| Total domestic deposits to total assets | 75.7877% | 6,699 |
| Equity capital to assets | 17.1132% | 431 |
| Core capital (leverage) ratio | 17.3566% | 369 |
| Tier 1 risk-based capital ratio | 26.2708% | 760 |
| Total risk-based capital ratio | 27.5254% | 746 |
| Memoranda: | ||
| Average total assets | $39,784,500 | 6,843 |
| Average earning assets | $37,787,500 | 6,770 |
| Average equity | $6,807,500 | 5,987 |
| Average total loans | $27,986,000 | 6,419 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4680% | 337 |
| Cost of funding earning assets | 1.3660% | 3,477 |
| Net interest margin | 5.1020% | 352 |
| Noninterest income to average assets | 0.2277% | 6,176 |
| Noninterest expense to average assets | 5.0342% | 401 |
| Loan and lease loss provision to assets | -0.1326% | 7,611 |
| Net operating income to assets | 0.1551% | 5,421 |
| Return on assets (ROA) | 0.1551% | 5,582 |
| Pretax return on assets | 0.1952% | 5,497 |
| Return on Equity (ROE) | 0.9489% | 5,716 |
| Retained earnings to average equity (ytd only) | 0.9489% | 5,081 |
| Net charge-offs to loans | -0.2908% | 7,568 |
| Credit loss provision to net charge-offs | 68.8312% | 5,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7727% | 835 |
| Assets per employee ($millions) | 3.5724% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6726% | 3,323 |
| Loan loss allowance to noncurrent loans | 189.7959% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 1.3436% | 4,330 |
| Noncurrent loans to loans | 0.8813% | 5,304 |
| Net loans and leases to total assets | 69.5643% | 2,642 |
| Net loans and leases to deposits | 92.0497% | 1,264 |
| Net loans and leases to core deposits | 92.0497% | 2,497 |
| Total domestic deposits to total assets | 75.5726% | 6,687 |
| Equity capital to assets | 17.1086% | 449 |
| Core capital (leverage) ratio | 17.2616% | 379 |
| Tier 1 risk-based capital ratio | 28.0700% | 605 |
| Total risk-based capital ratio | 29.3271% | 586 |
| Memoranda: | ||
| Average total assets | $39,967,000 | 6,869 |
| Average earning assets | $38,141,800 | 6,786 |
| Average equity | $6,534,200 | 6,191 |
| Average total loans | $26,475,400 | 6,588 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4328% | 385 |
| Cost of funding earning assets | 1.4260% | 3,418 |
| Net interest margin | 5.0068% | 438 |
| Noninterest income to average assets | 0.2292% | 6,259 |
| Noninterest expense to average assets | 4.9499% | 398 |
| Loan and lease loss provision to assets | -0.1761% | 7,711 |
| Net operating income to assets | 0.1827% | 5,559 |
| Return on assets (ROA) | 0.1827% | 5,724 |
| Pretax return on assets | 0.2259% | 5,671 |
| Return on Equity (ROE) | 1.1304% | 5,865 |
| Retained earnings to average equity (ytd only) | 1.1304% | 5,368 |
| Net charge-offs to loans | -0.3876% | 7,670 |
| Credit loss provision to net charge-offs | 69.7368% | 5,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0033% | 777 |
| Assets per employee ($millions) | 3.4285% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7975% | 2,794 |
| Loan loss allowance to noncurrent loans | 365.3543% | 812 |
| Noncurrent assets plus other real estate owned to assets | 1.0872% | 4,942 |
| Noncurrent loans to loans | 0.4920% | 6,212 |
| Net loans and leases to total assets | 67.2155% | 3,405 |
| Net loans and leases to deposits | 90.2357% | 1,695 |
| Net loans and leases to core deposits | 91.2097% | 2,918 |
| Total domestic deposits to total assets | 74.4889% | 6,857 |
| Equity capital to assets | 17.8692% | 423 |
| Core capital (leverage) ratio | 16.7866% | 451 |
| Tier 1 risk-based capital ratio | 30.0710% | 506 |
| Total risk-based capital ratio | 31.3334% | 497 |
| Memoranda: | ||
| Average total assets | $40,134,750 | 6,946 |
| Average earning assets | $38,240,500 | 6,867 |
| Average equity | $6,487,000 | 6,284 |
| Average total loans | $26,144,000 | 6,697 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3817% | 428 |
| Cost of funding earning assets | 1.4364% | 3,631 |
| Net interest margin | 4.9453% | 480 |
| Noninterest income to average assets | 0.2394% | 6,194 |
| Noninterest expense to average assets | 4.9338% | 397 |
| Loan and lease loss provision to assets | -0.2589% | 7,789 |
| Net operating income to assets | 0.2296% | 5,462 |
| Return on assets (ROA) | 0.2296% | 5,598 |
| Pretax return on assets | 0.2736% | 5,580 |
| Return on Equity (ROE) | 1.4681% | 5,807 |
| Retained earnings to average equity (ytd only) | 1.4681% | 5,136 |
| Net charge-offs to loans | -0.5180% | 7,735 |
| Credit loss provision to net charge-offs | 77.9412% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7038% | 814 |
| Assets per employee ($millions) | 3.9894% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8005% | 2,715 |
| Loan loss allowance to noncurrent loans | 298.0392% | 971 |
| Noncurrent assets plus other real estate owned to assets | 1.0929% | 4,948 |
| Noncurrent loans to loans | 0.6041% | 6,029 |
| Net loans and leases to total assets | 62.3427% | 4,616 |
| Net loans and leases to deposits | 82.9006% | 3,097 |
| Net loans and leases to core deposits | 83.7379% | 4,166 |
| Total domestic deposits to total assets | 75.2018% | 6,826 |
| Equity capital to assets | 16.8296% | 556 |
| Core capital (leverage) ratio | 16.4801% | 501 |
| Tier 1 risk-based capital ratio | 30.4593% | 484 |
| Total risk-based capital ratio | 31.7212% | 477 |
| Memoranda: | ||
| Average total assets | $40,942,000 | 6,963 |
| Average earning assets | $38,986,670 | 6,886 |
| Average equity | $6,403,000 | 6,339 |
| Average total loans | $26,254,330 | 6,729 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4269% | 412 |
| Cost of funding earning assets | 1.4823% | 3,680 |
| Net interest margin | 4.9445% | 467 |
| Noninterest income to average assets | 0.2797% | 5,904 |
| Noninterest expense to average assets | 4.7653% | 454 |
| Loan and lease loss provision to assets | 0.0579% | 6,076 |
| Net operating income to assets | 0.1061% | 6,009 |
| Return on assets (ROA) | 0.1061% | 6,114 |
| Pretax return on assets | 0.1543% | 6,007 |
| Return on Equity (ROE) | 0.7043% | 6,205 |
| Retained earnings to average equity (ytd only) | 0.7043% | 5,541 |
| Net charge-offs to loans | 0.4791% | 2,621 |
| Credit loss provision to net charge-offs | 18.7500% | 4,962 |
| Earnings coverage of net charge-offs (x) | 0.6875% | 4,416 |
| Efficiency ratio | 95.7364% | 1,042 |
| Assets per employee ($millions) | 4.0724% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 3,568 |
| Loan loss allowance to noncurrent loans | 230.5556% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 2.0013% | 3,505 |
| Noncurrent loans to loans | 0.6820% | 5,968 |
| Net loans and leases to total assets | 63.7928% | 4,376 |
| Net loans and leases to deposits | 83.7816% | 2,972 |
| Net loans and leases to core deposits | 84.6001% | 4,118 |
| Total domestic deposits to total assets | 76.1418% | 6,732 |
| Equity capital to assets | 16.0642% | 662 |
| Core capital (leverage) ratio | 15.6996% | 627 |
| Tier 1 risk-based capital ratio | 28.2905% | 620 |
| Total risk-based capital ratio | 29.5479% | 606 |
| Memoranda: | ||
| Average total assets | $41,466,000 | 7,041 |
| Average earning assets | $39,397,000 | 6,951 |
| Average equity | $6,247,500 | 6,429 |
| Average total loans | $26,718,000 | 6,793 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2602% | 5,365 |
| Cost of funding earning assets | 2.3338% | 1,513 |
| Net interest margin | 2.9265% | 6,807 |
| Noninterest income to average assets | 0.1726% | 6,842 |
| Noninterest expense to average assets | 4.8890% | 570 |
| Loan and lease loss provision to assets | 1.3048% | 1,765 |
| Net operating income to assets | -3.2242% | 7,450 |
| Return on assets (ROA) | -3.2242% | 7,449 |
| Pretax return on assets | -3.1948% | 7,346 |
| Return on Equity (ROE) | -26.2878% | 7,320 |
| Retained earnings to average equity (ytd only) | -26.2878% | 7,294 |
| Net charge-offs to loans | 2.7657% | 808 |
| Credit loss provision to net charge-offs | 81.3648% | 6,255 |
| Earnings coverage of net charge-offs (x) | -1.1785% | 6,914 |
| Efficiency ratio | 163.0175% | 240 |
| Assets per employee ($millions) | 3.8371% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 3,161 |
| Loan loss allowance to noncurrent loans | 259.4118% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 1.8101% | 3,654 |
| Noncurrent loans to loans | 0.6287% | 5,980 |
| Net loans and leases to total assets | 63.0236% | 4,799 |
| Net loans and leases to deposits | 80.5651% | 3,879 |
| Net loans and leases to core deposits | 107.0937% | 3,210 |
| Total domestic deposits to total assets | 78.2269% | 6,171 |
| Equity capital to assets | 14.1040% | 1,135 |
| Core capital (leverage) ratio | 13.6108% | 1,063 |
| Tier 1 risk-based capital ratio | 23.0119% | 1,041 |
| Total risk-based capital ratio | 24.2659% | 1,019 |
| Memoranda: | ||
| Average total assets | $47,515,200 | 6,808 |
| Average earning assets | $45,891,600 | 6,684 |
| Average equity | $5,827,800 | 6,658 |
| Average total loans | $27,552,000 | 6,770 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 6,282 |
| Cost of funding earning assets | 2.4829% | 1,356 |
| Net interest margin | 2.6124% | 7,339 |
| Noninterest income to average assets | 0.1747% | 6,966 |
| Noninterest expense to average assets | 4.8645% | 539 |
| Loan and lease loss provision to assets | 1.4878% | 1,288 |
| Net operating income to assets | -3.6716% | 7,709 |
| Return on assets (ROA) | -3.6716% | 7,708 |
| Pretax return on assets | -3.6443% | 7,630 |
| Return on Equity (ROE) | -30.9375% | 7,627 |
| Retained earnings to average equity (ytd only) | -30.9375% | 7,611 |
| Net charge-offs to loans | 2.8998% | 594 |
| Credit loss provision to net charge-offs | 90.5316% | 5,470 |
| Earnings coverage of net charge-offs (x) | -1.3123% | 6,682 |
| Efficiency ratio | 179.6371% | 200 |
| Assets per employee ($millions) | 4.0926% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0512% | 1,686 |
| Loan loss allowance to noncurrent loans | 113.8528% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 1.0262% | 5,026 |
| Noncurrent loans to loans | 1.8017% | 3,908 |
| Net loans and leases to total assets | 55.7920% | 6,165 |
| Net loans and leases to deposits | 69.1053% | 6,019 |
| Net loans and leases to core deposits | 105.4096% | 3,769 |
| Total domestic deposits to total assets | 80.7348% | 5,181 |
| Equity capital to assets | 11.9794% | 2,249 |
| Core capital (leverage) ratio | 10.8577% | 2,519 |
| Tier 1 risk-based capital ratio | 21.1714% | 1,344 |
| Total risk-based capital ratio | 22.4308% | 1,328 |
| Memoranda: | ||
| Average total assets | $48,842,000 | 6,811 |
| Average earning assets | $47,362,250 | 6,672 |
| Average equity | $5,796,500 | 6,736 |
| Average total loans | $27,679,500 | 6,819 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1432% | 6,277 |
| Cost of funding earning assets | 2.5983% | 1,286 |
| Net interest margin | 2.5449% | 7,420 |
| Noninterest income to average assets | 0.1596% | 7,134 |
| Noninterest expense to average assets | 3.9468% | 1,404 |
| Loan and lease loss provision to assets | 1.9155% | 857 |
| Net operating income to assets | -3.2604% | 7,720 |
| Return on assets (ROA) | -3.2604% | 7,722 |
| Pretax return on assets | -3.2325% | 7,622 |
| Return on Equity (ROE) | -27.5502% | 7,677 |
| Retained earnings to average equity (ytd only) | -27.5502% | 7,650 |
| Net charge-offs to loans | 2.6165% | 646 |
| Credit loss provision to net charge-offs | 129.3801% | 3,594 |
| Earnings coverage of net charge-offs (x) | -0.8895% | 6,203 |
| Efficiency ratio | 150.0759% | 369 |
| Assets per employee ($millions) | 4.9116% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6000% | 823 |
| Loan loss allowance to noncurrent loans | 66.1568% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.9360% | 3,292 |
| Noncurrent loans to loans | 3.9301% | 1,734 |
| Net loans and leases to total assets | 47.9807% | 7,034 |
| Net loans and leases to deposits | 58.0504% | 7,023 |
| Net loans and leases to core deposits | 81.7941% | 6,260 |
| Total domestic deposits to total assets | 82.6534% | 4,399 |
| Equity capital to assets | 10.9332% | 2,981 |
| Core capital (leverage) ratio | 10.8895% | 2,492 |
| Tier 1 risk-based capital ratio | 21.0304% | 1,388 |
| Total risk-based capital ratio | 22.2942% | 1,359 |
| Memoranda: | ||
| Average total assets | $50,116,330 | 6,822 |
| Average earning assets | $48,646,670 | 6,686 |
| Average equity | $5,931,000 | 6,750 |
| Average total loans | $28,358,330 | 6,828 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2313% | 6,182 |
| Cost of funding earning assets | 2.7268% | 1,188 |
| Net interest margin | 2.5045% | 7,497 |
| Noninterest income to average assets | 0.1578% | 7,177 |
| Noninterest expense to average assets | 4.1943% | 945 |
| Loan and lease loss provision to assets | 1.7857% | 691 |
| Net operating income to assets | -3.4136% | 7,904 |
| Return on assets (ROA) | -3.4136% | 7,904 |
| Pretax return on assets | -3.3887% | 7,820 |
| Return on Equity (ROE) | -27.6628% | 7,880 |
| Retained earnings to average equity (ytd only) | -27.6628% | 7,824 |
| Net charge-offs to loans | 5.0633% | 210 |
| Credit loss provision to net charge-offs | 58.1081% | 4,553 |
| Earnings coverage of net charge-offs (x) | -0.5216% | 5,257 |
| Efficiency ratio | 161.8590% | 297 |
| Assets per employee ($millions) | 4.6868% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 3,011 |
| Loan loss allowance to noncurrent loans | 40.4155% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 2.0541% | 2,815 |
| Noncurrent loans to loans | 3.7040% | 1,686 |
| Net loans and leases to total assets | 54.6271% | 6,397 |
| Net loans and leases to deposits | 67.3547% | 6,237 |
| Net loans and leases to core deposits | 94.2979% | 5,128 |
| Total domestic deposits to total assets | 81.1037% | 4,923 |
| Equity capital to assets | 12.2044% | 2,135 |
| Core capital (leverage) ratio | 13.0596% | 1,462 |
| Tier 1 risk-based capital ratio | 21.0226% | 1,445 |
| Total risk-based capital ratio | 22.2764% | 1,418 |
| Memoranda: | ||
| Average total assets | $48,160,500 | 6,945 |
| Average earning assets | $46,795,000 | 6,804 |
| Average equity | $5,943,000 | 6,787 |
| Average total loans | $29,230,000 | 6,810 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7845% | 1,737 |
| Cost of funding earning assets | 3.1744% | 1,273 |
| Net interest margin | 3.6100% | 4,837 |
| Noninterest income to average assets | 0.9831% | 1,636 |
| Noninterest expense to average assets | 6.5941% | 322 |
| Loan and lease loss provision to assets | 0.9755% | 1,511 |
| Net operating income to assets | -3.1282% | 7,854 |
| Return on assets (ROA) | -3.1282% | 7,828 |
| Pretax return on assets | -3.0979% | 7,730 |
| Return on Equity (ROE) | -26.7676% | 7,898 |
| Retained earnings to average equity (ytd only) | -26.7676% | 7,846 |
| Net charge-offs to loans | 0.0199% | 6,579 |
| Credit loss provision to net charge-offs | 6,450.0000% | 84 |
| Earnings coverage of net charge-offs (x) | -140.3333% | 7,012 |
| Efficiency ratio | 147.4634% | 363 |
| Assets per employee ($millions) | 4.0696% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9519% | 1,317 |
| Loan loss allowance to noncurrent loans | 198.9761% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 5,254 |
| Noncurrent loans to loans | 0.9810% | 4,635 |
| Net loans and leases to total assets | 65.4202% | 4,966 |
| Net loans and leases to deposits | 82.0635% | 4,719 |
| Net loans and leases to core deposits | 106.6769% | 4,115 |
| Total domestic deposits to total assets | 79.7190% | 5,122 |
| Equity capital to assets | 12.4961% | 2,016 |
| Core capital (leverage) ratio | 13.1738% | 1,489 |
| Tier 1 risk-based capital ratio | 19.0528% | 1,804 |
| Total risk-based capital ratio | 20.3105% | 1,756 |
| Memoranda: | ||
| Average total assets | $39,671,600 | 7,227 |
| Average earning assets | $38,337,600 | 7,119 |
| Average equity | $4,636,200 | 7,285 |
| Average total loans | $30,101,800 | 6,704 |