Home > Bank of Crocker > Performance and Condition Ratios
Bank of Crocker, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 3,993 |
| Cost of funding earning assets | 0.8156% | 3,689 |
| Net interest margin | 3.1681% | 2,947 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.4493% | 2,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8928% | 2,572 |
| Return on assets (ROA) | 0.8928% | 2,544 |
| Pretax return on assets | 0.8928% | 2,981 |
| Return on Equity (ROE) | 13.0200% | 1,724 |
| Retained earnings to average equity (ytd only) | 11.0201% | 790 |
| Net charge-offs to loans | 0.3596% | 302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 8.3935% | 2,345 |
| Efficiency ratio | 73.2854% | 1,528 |
| Assets per employee ($millions) | 4.3937% | 3,997 |
| Cash dividends to net income (ytd only)* | 15.3728% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 1,063 |
| Loan loss allowance to noncurrent loans | 76.6706% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5883% | 937 |
| Noncurrent loans to loans | 1.9504% | 299 |
| Net loans and leases to total assets | 29.7100% | 4,298 |
| Net loans and leases to deposits | 32.3752% | 4,327 |
| Net loans and leases to core deposits | 36.6239% | 4,333 |
| Total domestic deposits to total assets | 91.7700% | 344 |
| Equity capital to assets | 7.9777% | 3,435 |
| Core capital (leverage) ratio | 11.9115% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4927% | 212 |
| Memoranda: | ||
| Average total assets | $145,716,800 | 3,407 |
| Average earning assets | $139,893,400 | 3,346 |
| Average equity | $9,990,800 | 3,720 |
| Average total loans | $43,107,600 | 3,945 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 3,965 |
| Cost of funding earning assets | 0.7412% | 3,674 |
| Net interest margin | 3.1846% | 2,950 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.4336% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9157% | 2,630 |
| Return on assets (ROA) | 0.9157% | 2,614 |
| Pretax return on assets | 0.9157% | 3,063 |
| Return on Equity (ROE) | 13.9200% | 1,680 |
| Retained earnings to average equity (ytd only) | 12.5317% | 884 |
| Net charge-offs to loans | 0.4874% | 177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 6.3822% | 2,296 |
| Efficiency ratio | 72.6603% | 1,492 |
| Assets per employee ($millions) | 4.2626% | 4,064 |
| Cash dividends to net income (ytd only)* | 9.9800% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5720% | 936 |
| Loan loss allowance to noncurrent loans | 74.6850% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 641 |
| Noncurrent loans to loans | 2.1048% | 274 |
| Net loans and leases to total assets | 29.0200% | 4,332 |
| Net loans and leases to deposits | 31.1755% | 4,365 |
| Net loans and leases to core deposits | 35.3354% | 4,332 |
| Total domestic deposits to total assets | 93.0900% | 284 |
| Equity capital to assets | 6.5894% | 3,799 |
| Core capital (leverage) ratio | 11.4426% | 1,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8385% | 223 |
| Memoranda: | ||
| Average total assets | $145,898,000 | 3,410 |
| Average earning assets | $140,129,750 | 3,357 |
| Average equity | $9,596,750 | 3,760 |
| Average total loans | $42,951,000 | 3,961 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,068 |
| Cost of funding earning assets | 0.6458% | 3,639 |
| Net interest margin | 3.1134% | 3,190 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.3828% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8643% | 2,878 |
| Return on assets (ROA) | 0.8643% | 2,875 |
| Pretax return on assets | 0.8643% | 3,253 |
| Return on Equity (ROE) | 13.1500% | 1,868 |
| Retained earnings to average equity (ytd only) | 11.0859% | 1,174 |
| Net charge-offs to loans | 0.4051% | 208 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 7.2500% | 2,093 |
| Efficiency ratio | 73.3834% | 1,420 |
| Assets per employee ($millions) | 4.0621% | 4,159 |
| Cash dividends to net income (ytd only)* | 15.6740% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6528% | 832 |
| Loan loss allowance to noncurrent loans | 54.6626% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.9020% | 543 |
| Noncurrent loans to loans | 3.0237% | 139 |
| Net loans and leases to total assets | 29.3400% | 4,343 |
| Net loans and leases to deposits | 31.5904% | 4,378 |
| Net loans and leases to core deposits | 35.9392% | 4,327 |
| Total domestic deposits to total assets | 92.8700% | 271 |
| Equity capital to assets | 6.8315% | 3,878 |
| Core capital (leverage) ratio | 11.1989% | 1,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9434% | 222 |
| Memoranda: | ||
| Average total assets | $147,642,000 | 3,404 |
| Average earning assets | $141,840,333 | 3,343 |
| Average equity | $9,706,000 | 3,773 |
| Average total loans | $43,442,667 | 3,964 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6438% | 4,110 |
| Cost of funding earning assets | 0.6017% | 3,381 |
| Net interest margin | 3.0421% | 3,489 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.3917% | 2,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8251% | 3,112 |
| Return on assets (ROA) | 0.8251% | 3,064 |
| Pretax return on assets | 0.8251% | 3,408 |
| Return on Equity (ROE) | 12.8000% | 2,020 |
| Retained earnings to average equity (ytd only) | 8.6156% | 2,052 |
| Net charge-offs to loans | 0.8212% | 92 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 3.4382% | 1,886 |
| Efficiency ratio | 74.3504% | 1,306 |
| Assets per employee ($millions) | 4.1294% | 4,199 |
| Cash dividends to net income (ytd only)* | 32.6797% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 857 |
| Loan loss allowance to noncurrent loans | 52.4818% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.9216% | 474 |
| Noncurrent loans to loans | 3.2045% | 133 |
| Net loans and leases to total assets | 28.2800% | 4,399 |
| Net loans and leases to deposits | 30.4457% | 4,439 |
| Net loans and leases to core deposits | 34.2015% | 4,393 |
| Total domestic deposits to total assets | 92.8700% | 327 |
| Equity capital to assets | 6.8856% | 3,880 |
| Core capital (leverage) ratio | 10.7460% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3498% | 225 |
| Memoranda: | ||
| Average total assets | $148,345,500 | 3,444 |
| Average earning assets | $142,928,000 | 3,377 |
| Average equity | $9,564,000 | 3,832 |
| Average total loans | $43,353,000 | 4,012 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8446% | 4,286 |
| Cost of funding earning assets | 0.2894% | 2,965 |
| Net interest margin | 2.5552% | 4,224 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.3272% | 2,648 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 0.4957% | 4,093 |
| Return on assets (ROA) | 0.4957% | 4,055 |
| Pretax return on assets | 0.4957% | 4,179 |
| Return on Equity (ROE) | 7.1400% | 3,609 |
| Retained earnings to average equity (ytd only) | 7.1406% | 2,181 |
| Net charge-offs to loans | -0.2720% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.1888% | 414 |
| Assets per employee ($millions) | 4.2295% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9089% | 530 |
| Loan loss allowance to noncurrent loans | 57.2696% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.1632% | 330 |
| Noncurrent loans to loans | 3.3331% | 118 |
| Net loans and leases to total assets | 29.1200% | 4,406 |
| Net loans and leases to deposits | 31.0441% | 4,452 |
| Net loans and leases to core deposits | 34.5404% | 4,406 |
| Total domestic deposits to total assets | 93.8200% | 261 |
| Equity capital to assets | 6.0067% | 4,084 |
| Core capital (leverage) ratio | 10.8112% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7290% | 225 |
| Memoranda: | ||
| Average total assets | $148,286,800 | 3,460 |
| Average earning assets | $141,673,800 | 3,400 |
| Average equity | $10,293,200 | 3,833 |
| Average total loans | $45,217,600 | 3,972 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6808% | 4,303 |
| Cost of funding earning assets | 0.2589% | 2,616 |
| Net interest margin | 2.4218% | 4,296 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.3125% | 2,598 |
| Loan and lease loss provision to assets | -0.1600% | 4,645 |
| Net operating income to assets | 0.4224% | 4,203 |
| Return on assets (ROA) | 0.4224% | 4,148 |
| Pretax return on assets | 0.4224% | 4,244 |
| Return on Equity (ROE) | 5.8900% | 3,819 |
| Retained earnings to average equity (ytd only) | 5.8876% | 2,790 |
| Net charge-offs to loans | -0.4422% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.9336% | 321 |
| Assets per employee ($millions) | 3.9608% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8918% | 613 |
| Loan loss allowance to noncurrent loans | 90.3125% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.8304% | 601 |
| Noncurrent loans to loans | 2.0947% | 282 |
| Net loans and leases to total assets | 30.6800% | 4,403 |
| Net loans and leases to deposits | 32.3330% | 4,455 |
| Net loans and leases to core deposits | 35.9687% | 4,406 |
| Total domestic deposits to total assets | 94.8900% | 240 |
| Equity capital to assets | 4.8598% | 4,317 |
| Core capital (leverage) ratio | 9.9928% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6356% | 253 |
| Memoranda: | ||
| Average total assets | $148,350,000 | 3,485 |
| Average earning assets | $141,596,250 | 3,429 |
| Average equity | $10,643,500 | 3,845 |
| Average total loans | $45,533,750 | 3,994 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4917% | 4,383 |
| Cost of funding earning assets | 0.2303% | 2,501 |
| Net interest margin | 2.2613% | 4,371 |
| Noninterest income to average assets | 0.2430% | 3,713 |
| Noninterest expense to average assets | 2.2974% | 2,556 |
| Loan and lease loss provision to assets | -0.1343% | 4,637 |
| Net operating income to assets | 0.2417% | 4,371 |
| Return on assets (ROA) | 0.2417% | 4,334 |
| Pretax return on assets | 0.2417% | 4,358 |
| Return on Equity (ROE) | 3.0464% | 4,203 |
| Retained earnings to average equity (ytd only) | 3.0464% | 3,427 |
| Net charge-offs to loans | -0.1541% | 4,542 |
| Credit loss provision to net charge-offs | 285.7143% | 820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5332% | 251 |
| Assets per employee ($millions) | 4.1714% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7942% | 824 |
| Loan loss allowance to noncurrent loans | 83.8028% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 622 |
| Noncurrent loans to loans | 2.1410% | 300 |
| Net loans and leases to total assets | 30.3618% | 4,452 |
| Net loans and leases to deposits | 32.4936% | 4,485 |
| Net loans and leases to core deposits | 35.8968% | 4,439 |
| Total domestic deposits to total assets | 93.4394% | 409 |
| Equity capital to assets | 6.3449% | 4,083 |
| Core capital (leverage) ratio | 10.6260% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1879% | 242 |
| Memoranda: | ||
| Average total assets | $148,950,000 | 3,513 |
| Average earning assets | $142,394,667 | 3,471 |
| Average equity | $11,817,333 | 3,800 |
| Average total loans | $45,435,333 | 4,040 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4203% | 4,357 |
| Cost of funding earning assets | 0.2229% | 2,489 |
| Net interest margin | 2.1975% | 4,353 |
| Noninterest income to average assets | 0.2346% | 3,739 |
| Noninterest expense to average assets | 2.3406% | 2,372 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0054% | 4,551 |
| Return on assets (ROA) | -0.0054% | 4,531 |
| Pretax return on assets | -0.0054% | 4,523 |
| Return on Equity (ROE) | -0.0617% | 4,531 |
| Retained earnings to average equity (ytd only) | -0.0617% | 4,017 |
| Net charge-offs to loans | -0.1958% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2309% | 241 |
| Assets per employee ($millions) | 4.0959% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0727% | 548 |
| Loan loss allowance to noncurrent loans | 92.0000% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8525% | 634 |
| Noncurrent loans to loans | 2.2530% | 294 |
| Net loans and leases to total assets | 29.4781% | 4,459 |
| Net loans and leases to deposits | 31.9582% | 4,496 |
| Net loans and leases to core deposits | 35.4220% | 4,442 |
| Total domestic deposits to total assets | 92.2395% | 491 |
| Equity capital to assets | 7.5645% | 3,884 |
| Core capital (leverage) ratio | 10.2340% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5244% | 235 |
| Memoranda: | ||
| Average total assets | $148,340,500 | 3,528 |
| Average earning assets | $141,798,000 | 3,492 |
| Average equity | $12,962,000 | 3,760 |
| Average total loans | $44,939,500 | 4,059 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7671% | 4,245 |
| Cost of funding earning assets | 0.2944% | 2,454 |
| Net interest margin | 2.4727% | 4,226 |
| Noninterest income to average assets | -0.1131% | 4,834 |
| Noninterest expense to average assets | 2.2731% | 2,869 |
| Loan and lease loss provision to assets | -0.0686% | 4,434 |
| Net operating income to assets | 0.0322% | 4,667 |
| Return on assets (ROA) | 0.1077% | 4,625 |
| Pretax return on assets | 0.1077% | 4,630 |
| Return on Equity (ROE) | 1.0149% | 4,609 |
| Retained earnings to average equity (ytd only) | 0.3685% | 4,400 |
| Net charge-offs to loans | -0.1159% | 4,608 |
| Credit loss provision to net charge-offs | 181.8182% | 1,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6248% | 135 |
| Assets per employee ($millions) | 4.2637% | 4,291 |
| Cash dividends to net income (ytd only)* | 63.6943% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9739% | 627 |
| Loan loss allowance to noncurrent loans | 85.5238% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.8758% | 669 |
| Noncurrent loans to loans | 2.3080% | 308 |
| Net loans and leases to total assets | 29.8836% | 4,512 |
| Net loans and leases to deposits | 33.2305% | 4,551 |
| Net loans and leases to core deposits | 37.4465% | 4,479 |
| Total domestic deposits to total assets | 89.9282% | 992 |
| Equity capital to assets | 9.8975% | 2,755 |
| Core capital (leverage) ratio | 10.2475% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4589% | 253 |
| Memoranda: | ||
| Average total assets | $145,833,600 | 3,522 |
| Average earning assets | $138,591,200 | 3,492 |
| Average equity | $15,469,400 | 3,589 |
| Average total loans | $47,436,200 | 4,048 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8799% | 4,199 |
| Cost of funding earning assets | 0.3081% | 2,521 |
| Net interest margin | 2.5717% | 4,175 |
| Noninterest income to average assets | -0.2363% | 4,912 |
| Noninterest expense to average assets | 2.2954% | 2,765 |
| Loan and lease loss provision to assets | -0.0917% | 4,584 |
| Net operating income to assets | 0.0009% | 4,742 |
| Return on assets (ROA) | 0.1021% | 4,714 |
| Pretax return on assets | 0.1021% | 4,711 |
| Return on Equity (ROE) | 0.9460% | 4,694 |
| Retained earnings to average equity (ytd only) | 0.0937% | 4,549 |
| Net charge-offs to loans | -0.1335% | 4,703 |
| Credit loss provision to net charge-offs | 208.3333% | 1,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1302% | 130 |
| Assets per employee ($millions) | 4.3521% | 4,226 |
| Cash dividends to net income (ytd only)* | 90.0901% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9513% | 693 |
| Loan loss allowance to noncurrent loans | 83.0382% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9887% | 674 |
| Noncurrent loans to loans | 2.3499% | 336 |
| Net loans and leases to total assets | 30.2568% | 4,583 |
| Net loans and leases to deposits | 33.8403% | 4,629 |
| Net loans and leases to core deposits | 37.9589% | 4,572 |
| Total domestic deposits to total assets | 89.4107% | 1,066 |
| Equity capital to assets | 10.3339% | 2,584 |
| Core capital (leverage) ratio | 10.2194% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6297% | 264 |
| Memoranda: | ||
| Average total assets | $144,984,750 | 3,566 |
| Average earning assets | $137,595,000 | 3,533 |
| Average equity | $15,644,250 | 3,615 |
| Average total loans | $47,922,000 | 4,092 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0761% | 3,916 |
| Cost of funding earning assets | 0.3318% | 2,473 |
| Net interest margin | 2.7443% | 3,890 |
| Noninterest income to average assets | 0.0653% | 4,802 |
| Noninterest expense to average assets | 2.3321% | 2,664 |
| Loan and lease loss provision to assets | -0.1389% | 4,698 |
| Net operating income to assets | 0.4681% | 4,279 |
| Return on assets (ROA) | 0.4681% | 4,320 |
| Pretax return on assets | 0.4681% | 4,431 |
| Return on Equity (ROE) | 4.2761% | 4,283 |
| Retained earnings to average equity (ytd only) | 3.0072% | 3,836 |
| Net charge-offs to loans | -0.0781% | 4,541 |
| Credit loss provision to net charge-offs | 526.3158% | 661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6305% | 412 |
| Assets per employee ($millions) | 4.0663% | 4,411 |
| Cash dividends to net income (ytd only)* | 29.6736% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 771 |
| Loan loss allowance to noncurrent loans | 67.3964% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.8082% | 255 |
| Noncurrent loans to loans | 2.7806% | 275 |
| Net loans and leases to total assets | 30.8331% | 4,625 |
| Net loans and leases to deposits | 34.6406% | 4,665 |
| Net loans and leases to core deposits | 38.8347% | 4,603 |
| Total domestic deposits to total assets | 89.0087% | 1,279 |
| Equity capital to assets | 10.7714% | 2,169 |
| Core capital (leverage) ratio | 10.3836% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6860% | 234 |
| Memoranda: | ||
| Average total assets | $143,989,667 | 3,587 |
| Average earning assets | $136,210,333 | 3,557 |
| Average equity | $15,762,000 | 3,607 |
| Average total loans | $48,675,333 | 4,109 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2522% | 3,567 |
| Cost of funding earning assets | 0.3469% | 2,545 |
| Net interest margin | 2.9054% | 3,503 |
| Noninterest income to average assets | -0.5322% | 4,973 |
| Noninterest expense to average assets | 2.3531% | 2,641 |
| Loan and lease loss provision to assets | -0.2801% | 4,852 |
| Net operating income to assets | 0.1401% | 4,677 |
| Return on assets (ROA) | 0.1401% | 4,699 |
| Pretax return on assets | 0.1401% | 4,709 |
| Return on Equity (ROE) | 1.2691% | 4,687 |
| Retained earnings to average equity (ytd only) | -1.2691% | 4,489 |
| Net charge-offs to loans | -0.0800% | 4,569 |
| Credit loss provision to net charge-offs | 1,000.0000% | 412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3291% | 133 |
| Assets per employee ($millions) | 4.2197% | 4,332 |
| Cash dividends to net income (ytd only)* | 200.0000% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7458% | 949 |
| Loan loss allowance to noncurrent loans | 61.9463% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 2.0082% | 250 |
| Noncurrent loans to loans | 2.8183% | 295 |
| Net loans and leases to total assets | 32.5050% | 4,613 |
| Net loans and leases to deposits | 36.4728% | 4,665 |
| Net loans and leases to core deposits | 40.8379% | 4,596 |
| Total domestic deposits to total assets | 89.1212% | 1,282 |
| Equity capital to assets | 10.5396% | 2,231 |
| Core capital (leverage) ratio | 10.5860% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1175% | 270 |
| Memoranda: | ||
| Average total assets | $142,790,500 | 3,609 |
| Average earning assets | $134,923,000 | 3,577 |
| Average equity | $15,759,000 | 3,613 |
| Average total loans | $50,014,000 | 4,105 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3894% | 4,209 |
| Cost of funding earning assets | 0.4989% | 2,955 |
| Net interest margin | 2.8905% | 4,126 |
| Noninterest income to average assets | 0.2665% | 3,888 |
| Noninterest expense to average assets | 2.5920% | 2,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3630% | 4,322 |
| Return on assets (ROA) | 0.4434% | 4,235 |
| Pretax return on assets | 0.4434% | 4,360 |
| Return on Equity (ROE) | 3.6952% | 4,226 |
| Retained earnings to average equity (ytd only) | 3.0570% | 3,321 |
| Net charge-offs to loans | -0.0790% | 4,758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7170% | 457 |
| Assets per employee ($millions) | 4.0556% | 4,334 |
| Cash dividends to net income (ytd only)* | 17.2712% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8429% | 794 |
| Loan loss allowance to noncurrent loans | 54.3203% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 2.6079% | 166 |
| Noncurrent loans to loans | 3.3927% | 221 |
| Net loans and leases to total assets | 36.4240% | 4,577 |
| Net loans and leases to deposits | 41.3211% | 4,625 |
| Net loans and leases to core deposits | 47.0567% | 4,513 |
| Total domestic deposits to total assets | 88.1485% | 1,409 |
| Equity capital to assets | 11.5686% | 1,835 |
| Core capital (leverage) ratio | 10.9788% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0509% | 320 |
| Memoranda: | ||
| Average total assets | $130,594,400 | 3,616 |
| Average earning assets | $121,467,200 | 3,609 |
| Average equity | $15,668,800 | 3,589 |
| Average total loans | $53,179,800 | 4,044 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5584% | 4,110 |
| Cost of funding earning assets | 0.5238% | 3,089 |
| Net interest margin | 3.0346% | 3,895 |
| Noninterest income to average assets | 0.3199% | 3,570 |
| Noninterest expense to average assets | 2.6424% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4908% | 4,061 |
| Return on assets (ROA) | 0.5995% | 3,870 |
| Pretax return on assets | 0.5995% | 4,101 |
| Return on Equity (ROE) | 4.9492% | 3,909 |
| Retained earnings to average equity (ytd only) | 4.0944% | 3,000 |
| Net charge-offs to loans | -0.0820% | 4,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3358% | 582 |
| Assets per employee ($millions) | 3.8365% | 4,447 |
| Cash dividends to net income (ytd only)* | 17.2712% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 877 |
| Loan loss allowance to noncurrent loans | 51.1781% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 2.9975% | 152 |
| Noncurrent loans to loans | 3.3441% | 252 |
| Net loans and leases to total assets | 39.9465% | 4,568 |
| Net loans and leases to deposits | 45.5757% | 4,619 |
| Net loans and leases to core deposits | 51.7586% | 4,537 |
| Total domestic deposits to total assets | 87.6487% | 1,376 |
| Equity capital to assets | 11.9350% | 1,720 |
| Core capital (leverage) ratio | 11.1686% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4092% | 384 |
| Memoranda: | ||
| Average total assets | $128,770,500 | 3,627 |
| Average earning assets | $119,377,500 | 3,619 |
| Average equity | $15,598,000 | 3,598 |
| Average total loans | $53,682,750 | 4,056 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7564% | 3,971 |
| Cost of funding earning assets | 0.5529% | 3,220 |
| Net interest margin | 3.2036% | 3,660 |
| Noninterest income to average assets | 0.3072% | 3,619 |
| Noninterest expense to average assets | 2.6281% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6555% | 3,561 |
| Return on assets (ROA) | 0.6649% | 3,616 |
| Pretax return on assets | 0.6649% | 3,941 |
| Return on Equity (ROE) | 5.4609% | 3,690 |
| Retained earnings to average equity (ytd only) | 4.1668% | 2,836 |
| Net charge-offs to loans | -0.5919% | 5,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0384% | 893 |
| Assets per employee ($millions) | 3.6230% | 4,592 |
| Cash dividends to net income (ytd only)* | 23.6967% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8976% | 534 |
| Loan loss allowance to noncurrent loans | 155.7353% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 2.0373% | 344 |
| Noncurrent loans to loans | 1.2185% | 1,290 |
| Net loans and leases to total assets | 40.8412% | 4,573 |
| Net loans and leases to deposits | 46.6024% | 4,636 |
| Net loans and leases to core deposits | 53.3211% | 4,517 |
| Total domestic deposits to total assets | 87.6375% | 1,360 |
| Equity capital to assets | 11.9417% | 1,702 |
| Core capital (leverage) ratio | 11.2391% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6388% | 346 |
| Memoranda: | ||
| Average total assets | $126,935,000 | 3,636 |
| Average earning assets | $117,931,333 | 3,619 |
| Average equity | $15,455,333 | 3,610 |
| Average total loans | $53,386,000 | 4,071 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7786% | 4,262 |
| Cost of funding earning assets | 0.6176% | 3,346 |
| Net interest margin | 3.1611% | 3,956 |
| Noninterest income to average assets | 0.2432% | 4,105 |
| Noninterest expense to average assets | 2.8109% | 2,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3696% | 4,195 |
| Return on assets (ROA) | 0.3696% | 4,234 |
| Pretax return on assets | 0.3696% | 4,350 |
| Return on Equity (ROE) | 3.0042% | 4,217 |
| Retained earnings to average equity (ytd only) | 0.3689% | 3,908 |
| Net charge-offs to loans | -0.4600% | 5,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3792% | 567 |
| Assets per employee ($millions) | 3.2869% | 4,644 |
| Cash dividends to net income (ytd only)* | 87.7193% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8263% | 682 |
| Loan loss allowance to noncurrent loans | 59.8009% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 2.9511% | 200 |
| Noncurrent loans to loans | 3.0540% | 347 |
| Net loans and leases to total assets | 41.3593% | 4,615 |
| Net loans and leases to deposits | 47.4467% | 4,679 |
| Net loans and leases to core deposits | 54.9102% | 4,535 |
| Total domestic deposits to total assets | 87.1700% | 1,481 |
| Equity capital to assets | 12.3880% | 1,797 |
| Core capital (leverage) ratio | 11.5963% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,377,000 | 3,658 |
| Average earning assets | $114,645,000 | 3,637 |
| Average equity | $15,179,000 | 3,645 |
| Average total loans | $52,175,500 | 4,110 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 4,159 |
| Cost of funding earning assets | 0.6876% | 3,224 |
| Net interest margin | 3.3548% | 3,863 |
| Noninterest income to average assets | 0.1486% | 4,748 |
| Noninterest expense to average assets | 2.7925% | 2,625 |
| Loan and lease loss provision to assets | 0.0081% | 3,846 |
| Net operating income to assets | 0.4660% | 4,477 |
| Return on assets (ROA) | 0.4660% | 4,516 |
| Pretax return on assets | 0.4684% | 4,623 |
| Return on Equity (ROE) | 4.0260% | 4,452 |
| Retained earnings to average equity (ytd only) | 3.3283% | 3,345 |
| Net charge-offs to loans | 0.1680% | 1,205 |
| Credit loss provision to net charge-offs | 11.1111% | 3,352 |
| Earnings coverage of net charge-offs (x) | 6.5556% | 2,968 |
| Efficiency ratio | 85.4249% | 574 |
| Assets per employee ($millions) | 3.2066% | 4,698 |
| Cash dividends to net income (ytd only)* | 17.3310% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 732 |
| Loan loss allowance to noncurrent loans | 54.8054% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 2.9175% | 186 |
| Noncurrent loans to loans | 3.1780% | 278 |
| Net loans and leases to total assets | 41.7149% | 4,684 |
| Net loans and leases to deposits | 47.6995% | 4,748 |
| Net loans and leases to core deposits | 56.1540% | 4,576 |
| Total domestic deposits to total assets | 87.4535% | 1,386 |
| Equity capital to assets | 12.2157% | 2,002 |
| Core capital (leverage) ratio | 11.7680% | 1,910 |
| Tier 1 risk-based capital ratio | 25.0687% | 743 |
| Total risk-based capital ratio | 26.3224% | 731 |
| Memoranda: | ||
| Average total assets | $123,832,000 | 3,644 |
| Average earning assets | $115,178,000 | 3,629 |
| Average equity | $14,331,800 | 3,706 |
| Average total loans | $53,574,800 | 4,109 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0146% | 4,336 |
| Cost of funding earning assets | 0.7000% | 3,225 |
| Net interest margin | 3.3146% | 4,069 |
| Noninterest income to average assets | 0.0997% | 4,992 |
| Noninterest expense to average assets | 2.7657% | 2,668 |
| Loan and lease loss provision to assets | 0.0107% | 3,674 |
| Net operating income to assets | 0.4075% | 4,709 |
| Return on assets (ROA) | 0.4075% | 4,737 |
| Pretax return on assets | 0.4107% | 4,800 |
| Return on Equity (ROE) | 3.5696% | 4,660 |
| Retained earnings to average equity (ytd only) | 2.6302% | 4,037 |
| Net charge-offs to loans | 0.2418% | 739 |
| Credit loss provision to net charge-offs | 10.2041% | 3,005 |
| Earnings coverage of net charge-offs (x) | 4.0103% | 3,052 |
| Efficiency ratio | 86.7766% | 461 |
| Assets per employee ($millions) | 3.2028% | 4,753 |
| Cash dividends to net income (ytd only)* | 26.3160% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 772 |
| Loan loss allowance to noncurrent loans | 61.1225% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 2.7452% | 220 |
| Noncurrent loans to loans | 2.8269% | 370 |
| Net loans and leases to total assets | 40.6608% | 4,794 |
| Net loans and leases to deposits | 46.3869% | 4,864 |
| Net loans and leases to core deposits | 52.9300% | 4,779 |
| Total domestic deposits to total assets | 87.6558% | 1,187 |
| Equity capital to assets | 11.8206% | 2,401 |
| Core capital (leverage) ratio | 11.5784% | 2,161 |
| Tier 1 risk-based capital ratio | 25.2787% | 754 |
| Total risk-based capital ratio | 26.5323% | 742 |
| Memoranda: | ||
| Average total assets | $124,327,250 | 3,675 |
| Average earning assets | $115,807,250 | 3,655 |
| Average equity | $14,193,500 | 3,756 |
| Average total loans | $54,035,750 | 4,148 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 4,338 |
| Cost of funding earning assets | 0.7148% | 3,084 |
| Net interest margin | 3.3039% | 4,135 |
| Noninterest income to average assets | 0.0967% | 5,052 |
| Noninterest expense to average assets | 2.7712% | 2,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3963% | 4,741 |
| Return on assets (ROA) | 0.3963% | 4,760 |
| Pretax return on assets | 0.4012% | 4,827 |
| Return on Equity (ROE) | 3.5135% | 4,684 |
| Retained earnings to average equity (ytd only) | 2.0853% | 4,085 |
| Net charge-offs to loans | -0.0584% | 4,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3540% | 472 |
| Assets per employee ($millions) | 3.0945% | 4,845 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8883% | 574 |
| Loan loss allowance to noncurrent loans | 64.4057% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 3.0967% | 183 |
| Noncurrent loans to loans | 2.9318% | 356 |
| Net loans and leases to total assets | 41.8515% | 4,783 |
| Net loans and leases to deposits | 47.6380% | 4,856 |
| Net loans and leases to core deposits | 54.2377% | 4,774 |
| Total domestic deposits to total assets | 87.8533% | 1,168 |
| Equity capital to assets | 11.7202% | 2,421 |
| Core capital (leverage) ratio | 11.4932% | 2,174 |
| Tier 1 risk-based capital ratio | 24.4519% | 809 |
| Total risk-based capital ratio | 25.7069% | 792 |
| Memoranda: | ||
| Average total assets | $124,133,330 | 3,700 |
| Average earning assets | $115,559,670 | 3,681 |
| Average equity | $14,003,000 | 3,787 |
| Average total loans | $54,820,330 | 4,151 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9007% | 4,550 |
| Cost of funding earning assets | 0.7256% | 2,918 |
| Net interest margin | 3.1752% | 4,440 |
| Noninterest income to average assets | 0.1641% | 4,755 |
| Noninterest expense to average assets | 2.7705% | 2,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3411% | 4,850 |
| Return on assets (ROA) | 0.3411% | 4,859 |
| Pretax return on assets | 0.3507% | 4,903 |
| Return on Equity (ROE) | 3.0834% | 4,769 |
| Retained earnings to average equity (ytd only) | 3.0834% | 3,701 |
| Net charge-offs to loans | -0.1863% | 5,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7629% | 446 |
| Assets per employee ($millions) | 3.1149% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9074% | 586 |
| Loan loss allowance to noncurrent loans | 56.9248% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 3.2738% | 170 |
| Noncurrent loans to loans | 3.3507% | 283 |
| Net loans and leases to total assets | 41.5647% | 4,846 |
| Net loans and leases to deposits | 47.0321% | 4,897 |
| Net loans and leases to core deposits | 53.4542% | 4,803 |
| Total domestic deposits to total assets | 88.3752% | 1,143 |
| Equity capital to assets | 11.2451% | 2,605 |
| Core capital (leverage) ratio | 11.3819% | 2,226 |
| Tier 1 risk-based capital ratio | 24.7112% | 781 |
| Total risk-based capital ratio | 25.9674% | 772 |
| Memoranda: | ||
| Average total assets | $124,311,000 | 3,731 |
| Average earning assets | $115,773,500 | 3,718 |
| Average equity | $13,751,000 | 3,837 |
| Average total loans | $55,830,500 | 4,168 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 3,831 |
| Cost of funding earning assets | 0.6066% | 2,672 |
| Net interest margin | 3.4656% | 3,815 |
| Noninterest income to average assets | 0.1833% | 4,807 |
| Noninterest expense to average assets | 2.7425% | 2,884 |
| Loan and lease loss provision to assets | 0.0064% | 3,990 |
| Net operating income to assets | 0.6448% | 4,299 |
| Return on assets (ROA) | 0.6448% | 4,306 |
| Pretax return on assets | 0.6448% | 4,547 |
| Return on Equity (ROE) | 6.1193% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.0937% | 3,848 |
| Net charge-offs to loans | 0.0322% | 2,758 |
| Credit loss provision to net charge-offs | 42.1053% | 3,267 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,249 |
| Efficiency ratio | 80.8126% | 889 |
| Assets per employee ($millions) | 3.1007% | 4,926 |
| Cash dividends to net income (ytd only)* | 49.4438% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6665% | 887 |
| Loan loss allowance to noncurrent loans | 291.9643% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 2.1745% | 410 |
| Noncurrent loans to loans | 0.5708% | 2,564 |
| Net loans and leases to total assets | 46.6717% | 4,711 |
| Net loans and leases to deposits | 52.5745% | 4,804 |
| Net loans and leases to core deposits | 61.0234% | 4,588 |
| Total domestic deposits to total assets | 88.7725% | 958 |
| Equity capital to assets | 10.8776% | 2,810 |
| Core capital (leverage) ratio | 11.2539% | 2,303 |
| Tier 1 risk-based capital ratio | 22.1110% | 1,016 |
| Total risk-based capital ratio | 23.3643% | 994 |
| Memoranda: | ||
| Average total assets | $125,470,800 | 3,706 |
| Average earning assets | $116,228,000 | 3,714 |
| Average equity | $13,220,400 | 3,853 |
| Average total loans | $58,943,400 | 4,119 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 3,934 |
| Cost of funding earning assets | 0.5769% | 2,656 |
| Net interest margin | 3.4224% | 3,940 |
| Noninterest income to average assets | 0.3158% | 4,040 |
| Noninterest expense to average assets | 2.7253% | 2,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7587% | 4,048 |
| Return on assets (ROA) | 0.7587% | 4,057 |
| Pretax return on assets | 0.7587% | 4,404 |
| Return on Equity (ROE) | 7.2581% | 3,837 |
| Retained earnings to average equity (ytd only) | 5.2307% | 3,098 |
| Net charge-offs to loans | -0.0136% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2238% | 1,097 |
| Assets per employee ($millions) | 3.1866% | 4,897 |
| Cash dividends to net income (ytd only)* | 27.9330% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6812% | 907 |
| Loan loss allowance to noncurrent loans | 183.1193% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 2.7342% | 295 |
| Noncurrent loans to loans | 0.9181% | 1,864 |
| Net loans and leases to total assets | 46.9632% | 4,755 |
| Net loans and leases to deposits | 52.7995% | 4,860 |
| Net loans and leases to core deposits | 61.2398% | 4,648 |
| Total domestic deposits to total assets | 88.9464% | 864 |
| Equity capital to assets | 10.5563% | 3,085 |
| Core capital (leverage) ratio | 11.3293% | 2,309 |
| Tier 1 risk-based capital ratio | 22.1188% | 1,036 |
| Total risk-based capital ratio | 23.3708% | 1,016 |
| Memoranda: | ||
| Average total assets | $125,832,000 | 3,733 |
| Average earning assets | $116,486,000 | 3,747 |
| Average equity | $13,152,750 | 3,894 |
| Average total loans | $58,962,750 | 4,164 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 3,966 |
| Cost of funding earning assets | 0.5474% | 2,626 |
| Net interest margin | 3.3907% | 3,982 |
| Noninterest income to average assets | 0.3989% | 3,494 |
| Noninterest expense to average assets | 2.7115% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8247% | 3,774 |
| Return on assets (ROA) | 0.8247% | 3,779 |
| Pretax return on assets | 0.8247% | 4,178 |
| Return on Equity (ROE) | 7.9155% | 3,535 |
| Retained earnings to average equity (ytd only) | 4.8769% | 3,138 |
| Net charge-offs to loans | 0.0034% | 3,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 521.0000% | 172 |
| Efficiency ratio | 76.6786% | 1,350 |
| Assets per employee ($millions) | 3.2546% | 4,876 |
| Cash dividends to net income (ytd only)* | 38.3877% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 904 |
| Loan loss allowance to noncurrent loans | 218.7638% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 2.6377% | 317 |
| Noncurrent loans to loans | 0.7771% | 2,180 |
| Net loans and leases to total assets | 45.1457% | 4,863 |
| Net loans and leases to deposits | 50.5821% | 4,963 |
| Net loans and leases to core deposits | 57.9820% | 4,794 |
| Total domestic deposits to total assets | 89.2523% | 832 |
| Equity capital to assets | 10.3065% | 3,334 |
| Core capital (leverage) ratio | 11.2673% | 2,287 |
| Tier 1 risk-based capital ratio | 22.1840% | 1,015 |
| Total risk-based capital ratio | 23.4366% | 998 |
| Memoranda: | ||
| Average total assets | $126,350,670 | 3,755 |
| Average earning assets | $116,907,670 | 3,760 |
| Average equity | $13,164,000 | 3,908 |
| Average total loans | $58,829,670 | 4,193 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,711 |
| Cost of funding earning assets | 0.5264% | 2,577 |
| Net interest margin | 3.4472% | 3,715 |
| Noninterest income to average assets | 0.5458% | 2,543 |
| Noninterest expense to average assets | 2.7669% | 2,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9583% | 3,041 |
| Return on assets (ROA) | 0.9583% | 3,057 |
| Pretax return on assets | 0.9583% | 3,672 |
| Return on Equity (ROE) | 9.1480% | 2,832 |
| Retained earnings to average equity (ytd only) | 6.1189% | 2,656 |
| Net charge-offs to loans | 0.0406% | 1,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 50.3333% | 942 |
| Efficiency ratio | 74.2760% | 1,862 |
| Assets per employee ($millions) | 3.2331% | 4,965 |
| Cash dividends to net income (ytd only)* | 33.1126% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 956 |
| Loan loss allowance to noncurrent loans | 224.6014% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 2.8170% | 298 |
| Noncurrent loans to loans | 0.7546% | 2,315 |
| Net loans and leases to total assets | 45.3581% | 4,828 |
| Net loans and leases to deposits | 50.8242% | 4,928 |
| Net loans and leases to core deposits | 58.3151% | 4,738 |
| Total domestic deposits to total assets | 89.2450% | 988 |
| Equity capital to assets | 10.3624% | 3,206 |
| Core capital (leverage) ratio | 10.9891% | 2,451 |
| Tier 1 risk-based capital ratio | 20.6730% | 1,249 |
| Total risk-based capital ratio | 21.9247% | 1,229 |
| Memoranda: | ||
| Average total assets | $126,061,500 | 3,796 |
| Average earning assets | $116,268,000 | 3,807 |
| Average equity | $13,205,000 | 3,941 |
| Average total loans | $59,097,500 | 4,221 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7100% | 4,309 |
| Cost of funding earning assets | 0.4442% | 2,832 |
| Net interest margin | 3.2658% | 4,266 |
| Noninterest income to average assets | 0.0656% | 5,495 |
| Noninterest expense to average assets | 2.7398% | 2,998 |
| Loan and lease loss provision to assets | 0.0711% | 2,782 |
| Net operating income to assets | 0.2491% | 5,019 |
| Return on assets (ROA) | 0.2491% | 5,036 |
| Pretax return on assets | 0.2351% | 5,277 |
| Return on Equity (ROE) | 2.3686% | 4,981 |
| Retained earnings to average equity (ytd only) | 0.1411% | 4,957 |
| Net charge-offs to loans | 0.2906% | 901 |
| Credit loss provision to net charge-offs | 50.2762% | 3,330 |
| Earnings coverage of net charge-offs (x) | 2.1657% | 3,794 |
| Efficiency ratio | 89.9487% | 435 |
| Assets per employee ($millions) | 3.2316% | 5,004 |
| Cash dividends to net income (ytd only)* | 94.0439% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 1,029 |
| Loan loss allowance to noncurrent loans | 98.1207% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 3.7562% | 168 |
| Noncurrent loans to loans | 1.6845% | 974 |
| Net loans and leases to total assets | 46.8330% | 4,839 |
| Net loans and leases to deposits | 52.5531% | 4,959 |
| Net loans and leases to core deposits | 60.3139% | 4,741 |
| Total domestic deposits to total assets | 89.1155% | 953 |
| Equity capital to assets | 10.5877% | 3,066 |
| Core capital (leverage) ratio | 10.8693% | 2,458 |
| Tier 1 risk-based capital ratio | 19.8084% | 1,358 |
| Total risk-based capital ratio | 21.0588% | 1,324 |
| Memoranda: | ||
| Average total assets | $128,040,600 | 3,774 |
| Average earning assets | $116,846,200 | 3,807 |
| Average equity | $13,467,600 | 3,917 |
| Average total loans | $62,276,000 | 4,145 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6895% | 4,348 |
| Cost of funding earning assets | 0.4346% | 2,857 |
| Net interest margin | 3.2549% | 4,310 |
| Noninterest income to average assets | 0.1774% | 5,128 |
| Noninterest expense to average assets | 2.7010% | 3,061 |
| Loan and lease loss provision to assets | 0.0840% | 2,411 |
| Net operating income to assets | 0.3786% | 5,045 |
| Return on assets (ROA) | 0.3786% | 5,071 |
| Pretax return on assets | 0.3599% | 5,243 |
| Return on Equity (ROE) | 3.6052% | 4,960 |
| Retained earnings to average equity (ytd only) | 0.6420% | 5,078 |
| Net charge-offs to loans | 0.2695% | 804 |
| Credit loss provision to net charge-offs | 63.7795% | 2,760 |
| Earnings coverage of net charge-offs (x) | 3.3700% | 3,349 |
| Efficiency ratio | 85.8839% | 639 |
| Assets per employee ($millions) | 3.1984% | 5,066 |
| Cash dividends to net income (ytd only)* | 82.1925% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7088% | 1,013 |
| Loan loss allowance to noncurrent loans | 101.3699% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 4.1435% | 159 |
| Noncurrent loans to loans | 1.6857% | 1,075 |
| Net loans and leases to total assets | 46.5780% | 4,904 |
| Net loans and leases to deposits | 52.4297% | 5,033 |
| Net loans and leases to core deposits | 60.0651% | 4,817 |
| Total domestic deposits to total assets | 88.8390% | 955 |
| Equity capital to assets | 10.7186% | 3,147 |
| Core capital (leverage) ratio | 10.7231% | 2,733 |
| Tier 1 risk-based capital ratio | 20.5898% | 1,266 |
| Total risk-based capital ratio | 21.8417% | 1,235 |
| Memoranda: | ||
| Average total assets | $128,542,500 | 3,811 |
| Average earning assets | $117,193,750 | 3,838 |
| Average equity | $13,498,500 | 3,956 |
| Average total loans | $62,840,750 | 4,159 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6615% | 4,341 |
| Cost of funding earning assets | 0.4239% | 2,859 |
| Net interest margin | 3.2376% | 4,298 |
| Noninterest income to average assets | 0.1616% | 5,248 |
| Noninterest expense to average assets | 2.6984% | 3,094 |
| Loan and lease loss provision to assets | 0.0155% | 3,642 |
| Net operating income to assets | 0.4303% | 4,895 |
| Return on assets (ROA) | 0.4303% | 4,923 |
| Pretax return on assets | 0.4023% | 5,173 |
| Return on Equity (ROE) | 4.1260% | 4,793 |
| Retained earnings to average equity (ytd only) | -0.3426% | 5,133 |
| Net charge-offs to loans | -0.0126% | 4,611 |
| Credit loss provision to net charge-offs | -250.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5902% | 647 |
| Assets per employee ($millions) | 3.2095% | 5,082 |
| Cash dividends to net income (ytd only)* | 108.3032% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 964 |
| Loan loss allowance to noncurrent loans | 72.0579% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 4.4789% | 136 |
| Noncurrent loans to loans | 2.4420% | 629 |
| Net loans and leases to total assets | 47.6620% | 4,843 |
| Net loans and leases to deposits | 53.5680% | 4,984 |
| Net loans and leases to core deposits | 62.0612% | 4,712 |
| Total domestic deposits to total assets | 88.9748% | 971 |
| Equity capital to assets | 10.6404% | 3,183 |
| Core capital (leverage) ratio | 10.5084% | 2,903 |
| Tier 1 risk-based capital ratio | 22.3370% | 1,009 |
| Total risk-based capital ratio | 23.5926% | 992 |
| Memoranda: | ||
| Average total assets | $128,744,670 | 3,831 |
| Average earning assets | $117,493,670 | 3,848 |
| Average equity | $13,427,000 | 3,972 |
| Average total loans | $63,579,000 | 4,158 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6375% | 4,311 |
| Cost of funding earning assets | 0.4079% | 2,919 |
| Net interest margin | 3.2295% | 4,248 |
| Noninterest income to average assets | -0.1117% | 5,837 |
| Noninterest expense to average assets | 2.7240% | 3,055 |
| Loan and lease loss provision to assets | 0.0310% | 3,161 |
| Net operating income to assets | 0.1365% | 5,470 |
| Return on assets (ROA) | 0.1365% | 5,479 |
| Pretax return on assets | 0.0807% | 5,541 |
| Return on Equity (ROE) | 1.3223% | 5,450 |
| Retained earnings to average equity (ytd only) | -1.6829% | 5,144 |
| Net charge-offs to loans | -0.0062% | 4,249 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0613% | 318 |
| Assets per employee ($millions) | 3.2747% | 5,069 |
| Cash dividends to net income (ytd only)* | 227.2727% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6753% | 1,199 |
| Loan loss allowance to noncurrent loans | 56.5150% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 4.3294% | 159 |
| Noncurrent loans to loans | 2.9644% | 467 |
| Net loans and leases to total assets | 48.9724% | 4,750 |
| Net loans and leases to deposits | 54.7478% | 4,896 |
| Net loans and leases to core deposits | 63.1745% | 4,584 |
| Total domestic deposits to total assets | 89.4509% | 922 |
| Equity capital to assets | 10.2238% | 3,488 |
| Core capital (leverage) ratio | 10.7145% | 2,678 |
| Tier 1 risk-based capital ratio | 19.6423% | 1,467 |
| Total risk-based capital ratio | 20.8955% | 1,435 |
| Memoranda: | ||
| Average total assets | $128,927,500 | 3,862 |
| Average earning assets | $117,663,500 | 3,880 |
| Average equity | $13,310,500 | 4,013 |
| Average total loans | $64,226,500 | 4,178 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 4,128 |
| Cost of funding earning assets | 0.4086% | 2,918 |
| Net interest margin | 3.3208% | 4,081 |
| Noninterest income to average assets | 0.3534% | 4,204 |
| Noninterest expense to average assets | 2.8972% | 2,683 |
| Loan and lease loss provision to assets | 0.0503% | 3,386 |
| Net operating income to assets | 0.4170% | 4,886 |
| Return on assets (ROA) | 0.4170% | 4,968 |
| Pretax return on assets | 0.4312% | 5,156 |
| Return on Equity (ROE) | 3.9430% | 4,853 |
| Retained earnings to average equity (ytd only) | 2.4579% | 4,128 |
| Net charge-offs to loans | 0.1630% | 1,656 |
| Credit loss provision to net charge-offs | 59.8131% | 3,251 |
| Earnings coverage of net charge-offs (x) | 5.7290% | 3,297 |
| Efficiency ratio | 85.7508% | 844 |
| Assets per employee ($millions) | 3.0206% | 5,339 |
| Cash dividends to net income (ytd only)* | 37.6648% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 1,119 |
| Loan loss allowance to noncurrent loans | 156.8116% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 3.9143% | 198 |
| Noncurrent loans to loans | 1.0916% | 1,913 |
| Net loans and leases to total assets | 48.9725% | 4,835 |
| Net loans and leases to deposits | 54.8648% | 4,974 |
| Net loans and leases to core deposits | 63.6467% | 4,658 |
| Total domestic deposits to total assets | 89.2604% | 973 |
| Equity capital to assets | 10.4275% | 3,237 |
| Core capital (leverage) ratio | 10.8766% | 2,465 |
| Tier 1 risk-based capital ratio | 20.4951% | 1,288 |
| Total risk-based capital ratio | 21.7517% | 1,258 |
| Memoranda: | ||
| Average total assets | $127,331,200 | 3,875 |
| Average earning assets | $115,996,600 | 3,898 |
| Average equity | $13,466,800 | 4,032 |
| Average total loans | $65,642,400 | 4,146 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 4,151 |
| Cost of funding earning assets | 0.4021% | 3,002 |
| Net interest margin | 3.3269% | 4,107 |
| Noninterest income to average assets | 0.3264% | 4,444 |
| Noninterest expense to average assets | 2.9062% | 2,626 |
| Loan and lease loss provision to assets | 0.0481% | 3,287 |
| Net operating income to assets | 0.4017% | 5,005 |
| Return on assets (ROA) | 0.4017% | 5,107 |
| Pretax return on assets | 0.4017% | 5,303 |
| Return on Equity (ROE) | 3.7852% | 4,992 |
| Retained earnings to average equity (ytd only) | 1.8137% | 4,777 |
| Net charge-offs to loans | 0.1268% | 1,691 |
| Credit loss provision to net charge-offs | 73.0159% | 2,748 |
| Earnings coverage of net charge-offs (x) | 6.8252% | 2,958 |
| Efficiency ratio | 86.5960% | 775 |
| Assets per employee ($millions) | 2.8568% | 5,505 |
| Cash dividends to net income (ytd only)* | 52.0830% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 1,186 |
| Loan loss allowance to noncurrent loans | 87.8668% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 4.3342% | 184 |
| Noncurrent loans to loans | 1.9500% | 1,019 |
| Net loans and leases to total assets | 50.5652% | 4,779 |
| Net loans and leases to deposits | 57.0450% | 4,931 |
| Net loans and leases to core deposits | 66.3476% | 4,585 |
| Total domestic deposits to total assets | 88.6409% | 1,077 |
| Equity capital to assets | 10.8817% | 3,158 |
| Core capital (leverage) ratio | 10.4190% | 3,086 |
| Tier 1 risk-based capital ratio | 19.5869% | 1,526 |
| Total risk-based capital ratio | 20.8428% | 1,491 |
| Memoranda: | ||
| Average total assets | $127,447,250 | 3,901 |
| Average earning assets | $116,060,500 | 3,921 |
| Average equity | $13,526,250 | 4,055 |
| Average total loans | $66,250,000 | 4,163 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 4,335 |
| Cost of funding earning assets | 0.3909% | 3,143 |
| Net interest margin | 3.2973% | 4,247 |
| Noninterest income to average assets | 0.3296% | 4,422 |
| Noninterest expense to average assets | 2.8056% | 3,008 |
| Loan and lease loss provision to assets | 0.0719% | 2,700 |
| Net operating income to assets | 0.4561% | 4,847 |
| Return on assets (ROA) | 0.4561% | 4,937 |
| Pretax return on assets | 0.4561% | 5,230 |
| Return on Equity (ROE) | 4.3337% | 4,787 |
| Retained earnings to average equity (ytd only) | 1.3654% | 4,838 |
| Net charge-offs to loans | 0.1887% | 1,217 |
| Credit loss provision to net charge-offs | 73.0159% | 2,447 |
| Earnings coverage of net charge-offs (x) | 5.3651% | 2,869 |
| Efficiency ratio | 84.1612% | 1,033 |
| Assets per employee ($millions) | 2.9955% | 5,446 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 1,272 |
| Loan loss allowance to noncurrent loans | 130.1998% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 3.9453% | 231 |
| Noncurrent loans to loans | 1.3074% | 1,730 |
| Net loans and leases to total assets | 48.5429% | 4,944 |
| Net loans and leases to deposits | 54.4093% | 5,110 |
| Net loans and leases to core deposits | 62.2844% | 4,864 |
| Total domestic deposits to total assets | 89.2180% | 801 |
| Equity capital to assets | 10.3571% | 3,784 |
| Core capital (leverage) ratio | 10.3048% | 3,192 |
| Tier 1 risk-based capital ratio | 21.2492% | 1,234 |
| Total risk-based capital ratio | 22.5057% | 1,213 |
| Memoranda: | ||
| Average total assets | $128,030,670 | 3,915 |
| Average earning assets | $116,640,000 | 3,941 |
| Average equity | $13,475,670 | 4,080 |
| Average total loans | $66,777,670 | 4,177 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 4,193 |
| Cost of funding earning assets | 0.3890% | 3,203 |
| Net interest margin | 3.3449% | 4,065 |
| Noninterest income to average assets | 0.3615% | 4,142 |
| Noninterest expense to average assets | 2.8634% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5517% | 4,416 |
| Return on assets (ROA) | 0.5517% | 4,515 |
| Pretax return on assets | 0.5517% | 4,951 |
| Return on Equity (ROE) | 5.1987% | 4,396 |
| Retained earnings to average equity (ytd only) | 2.2109% | 4,375 |
| Net charge-offs to loans | -0.2307% | 5,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8440% | 1,173 |
| Assets per employee ($millions) | 2.9866% | 5,522 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7427% | 1,261 |
| Loan loss allowance to noncurrent loans | 72.6138% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 4.0748% | 244 |
| Noncurrent loans to loans | 2.4000% | 807 |
| Net loans and leases to total assets | 51.1034% | 4,715 |
| Net loans and leases to deposits | 57.3160% | 4,899 |
| Net loans and leases to core deposits | 65.5349% | 4,569 |
| Total domestic deposits to total assets | 89.1607% | 1,016 |
| Equity capital to assets | 10.5364% | 3,443 |
| Core capital (leverage) ratio | 10.5023% | 2,961 |
| Tier 1 risk-based capital ratio | 19.1972% | 1,687 |
| Total risk-based capital ratio | 20.4527% | 1,652 |
| Memoranda: | ||
| Average total assets | $126,144,500 | 3,977 |
| Average earning assets | $115,159,500 | 3,987 |
| Average equity | $13,388,000 | 4,105 |
| Average total loans | $67,622,000 | 4,170 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8395% | 3,917 |
| Cost of funding earning assets | 0.4170% | 2,975 |
| Net interest margin | 3.4225% | 3,826 |
| Noninterest income to average assets | 0.2574% | 5,054 |
| Noninterest expense to average assets | 3.0249% | 2,463 |
| Loan and lease loss provision to assets | 0.0863% | 2,570 |
| Net operating income to assets | 0.2510% | 5,479 |
| Return on assets (ROA) | 0.2510% | 5,547 |
| Pretax return on assets | 0.2494% | 5,614 |
| Return on Equity (ROE) | 2.3907% | 5,478 |
| Retained earnings to average equity (ytd only) | 1.6293% | 4,795 |
| Net charge-offs to loans | 0.0160% | 3,972 |
| Credit loss provision to net charge-offs | 981.8182% | 347 |
| Earnings coverage of net charge-offs (x) | 38.1818% | 1,215 |
| Efficiency ratio | 90.0095% | 688 |
| Assets per employee ($millions) | 2.8152% | 5,687 |
| Cash dividends to net income (ytd only)* | 31.8471% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 1,490 |
| Loan loss allowance to noncurrent loans | 57.9002% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 4.4427% | 220 |
| Noncurrent loans to loans | 2.8385% | 593 |
| Net loans and leases to total assets | 54.3543% | 4,473 |
| Net loans and leases to deposits | 61.0255% | 4,700 |
| Net loans and leases to core deposits | 70.3059% | 4,285 |
| Total domestic deposits to total assets | 89.0681% | 1,088 |
| Equity capital to assets | 10.6929% | 3,144 |
| Core capital (leverage) ratio | 10.7600% | 2,651 |
| Tier 1 risk-based capital ratio | 19.3340% | 1,624 |
| Total risk-based capital ratio | 20.5880% | 1,584 |
| Memoranda: | ||
| Average total assets | $125,095,200 | 3,984 |
| Average earning assets | $113,424,800 | 4,013 |
| Average equity | $13,134,200 | 4,114 |
| Average total loans | $68,782,800 | 4,123 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 4,032 |
| Cost of funding earning assets | 0.4216% | 2,995 |
| Net interest margin | 3.3973% | 3,969 |
| Noninterest income to average assets | 0.1935% | 5,498 |
| Noninterest expense to average assets | 3.0153% | 2,472 |
| Loan and lease loss provision to assets | 0.1148% | 1,966 |
| Net operating income to assets | 0.1403% | 5,791 |
| Return on assets (ROA) | 0.1403% | 5,839 |
| Pretax return on assets | 0.1393% | 5,856 |
| Return on Equity (ROE) | 1.3428% | 5,809 |
| Retained earnings to average equity (ytd only) | 0.3256% | 5,515 |
| Net charge-offs to loans | 0.3117% | 860 |
| Credit loss provision to net charge-offs | 67.0807% | 2,818 |
| Earnings coverage of net charge-offs (x) | 1.4845% | 3,825 |
| Efficiency ratio | 92.2276% | 558 |
| Assets per employee ($millions) | 2.8293% | 5,728 |
| Cash dividends to net income (ytd only)* | 75.7557% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 2,527 |
| Loan loss allowance to noncurrent loans | 53.8674% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 4.3265% | 264 |
| Noncurrent loans to loans | 2.6268% | 747 |
| Net loans and leases to total assets | 54.5675% | 4,504 |
| Net loans and leases to deposits | 61.2661% | 4,772 |
| Net loans and leases to core deposits | 70.5283% | 4,322 |
| Total domestic deposits to total assets | 89.0664% | 1,001 |
| Equity capital to assets | 10.6066% | 3,462 |
| Core capital (leverage) ratio | 10.5488% | 2,991 |
| Tier 1 risk-based capital ratio | 17.9015% | 2,049 |
| Total risk-based capital ratio | 19.1522% | 2,019 |
| Memoranda: | ||
| Average total assets | $125,402,250 | 4,014 |
| Average earning assets | $113,539,250 | 4,054 |
| Average equity | $13,106,500 | 4,164 |
| Average total loans | $68,865,500 | 4,161 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8064% | 4,043 |
| Cost of funding earning assets | 0.4345% | 2,902 |
| Net interest margin | 3.3719% | 4,008 |
| Noninterest income to average assets | 0.2371% | 5,259 |
| Noninterest expense to average assets | 2.9688% | 2,655 |
| Loan and lease loss provision to assets | 0.1241% | 1,782 |
| Net operating income to assets | 0.1973% | 5,698 |
| Return on assets (ROA) | 0.1973% | 5,761 |
| Pretax return on assets | 0.1941% | 5,823 |
| Return on Equity (ROE) | 1.8969% | 5,703 |
| Retained earnings to average equity (ytd only) | 0.3671% | 5,397 |
| Net charge-offs to loans | 0.4648% | 546 |
| Credit loss provision to net charge-offs | 48.7500% | 2,720 |
| Earnings coverage of net charge-offs (x) | 1.2500% | 3,550 |
| Efficiency ratio | 90.3195% | 727 |
| Assets per employee ($millions) | 2.7676% | 5,844 |
| Cash dividends to net income (ytd only)* | 80.6452% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 2,817 |
| Loan loss allowance to noncurrent loans | 54.2431% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 4.5109% | 261 |
| Noncurrent loans to loans | 2.5598% | 863 |
| Net loans and leases to total assets | 53.9452% | 4,564 |
| Net loans and leases to deposits | 60.4769% | 4,813 |
| Net loans and leases to core deposits | 69.5972% | 4,356 |
| Total domestic deposits to total assets | 89.1997% | 1,049 |
| Equity capital to assets | 10.4928% | 3,444 |
| Core capital (leverage) ratio | 10.5075% | 2,943 |
| Tier 1 risk-based capital ratio | 18.6060% | 1,895 |
| Total risk-based capital ratio | 19.8571% | 1,855 |
| Memoranda: | ||
| Average total assets | $125,707,000 | 4,043 |
| Average earning assets | $113,704,330 | 4,083 |
| Average equity | $13,074,000 | 4,192 |
| Average total loans | $68,852,330 | 4,195 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 3,874 |
| Cost of funding earning assets | 0.4615% | 2,661 |
| Net interest margin | 3.3736% | 3,937 |
| Noninterest income to average assets | 0.3357% | 4,504 |
| Noninterest expense to average assets | 2.9773% | 2,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4213% | 4,989 |
| Return on assets (ROA) | 0.4213% | 5,112 |
| Pretax return on assets | 0.4149% | 5,395 |
| Return on Equity (ROE) | 4.0682% | 4,954 |
| Retained earnings to average equity (ytd only) | 1.0094% | 5,069 |
| Net charge-offs to loans | 0.1329% | 1,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.6957% | 2,365 |
| Efficiency ratio | 87.7684% | 1,037 |
| Assets per employee ($millions) | 2.8145% | 5,874 |
| Cash dividends to net income (ytd only)* | 75.1880% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 2,621 |
| Loan loss allowance to noncurrent loans | 52.8947% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 4.6537% | 277 |
| Noncurrent loans to loans | 2.7601% | 842 |
| Net loans and leases to total assets | 54.7760% | 4,343 |
| Net loans and leases to deposits | 61.5388% | 4,620 |
| Net loans and leases to core deposits | 71.1053% | 4,051 |
| Total domestic deposits to total assets | 89.0106% | 1,264 |
| Equity capital to assets | 10.6438% | 3,379 |
| Core capital (leverage) ratio | 10.0745% | 3,505 |
| Tier 1 risk-based capital ratio | 17.8915% | 2,175 |
| Total risk-based capital ratio | 19.1429% | 2,131 |
| Memoranda: | ||
| Average total assets | $126,289,000 | 4,060 |
| Average earning assets | $114,417,500 | 4,090 |
| Average equity | $13,077,000 | 4,219 |
| Average total loans | $69,213,000 | 4,199 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 3,307 |
| Cost of funding earning assets | 0.4847% | 2,835 |
| Net interest margin | 3.6203% | 3,333 |
| Noninterest income to average assets | 0.1237% | 6,073 |
| Noninterest expense to average assets | 3.2573% | 2,048 |
| Loan and lease loss provision to assets | 0.2942% | 700 |
| Net operating income to assets | -0.1905% | 6,203 |
| Return on assets (ROA) | -0.1905% | 6,199 |
| Pretax return on assets | -0.1866% | 6,182 |
| Return on Equity (ROE) | -1.8858% | 6,207 |
| Retained earnings to average equity (ytd only) | -2.6462% | 6,063 |
| Net charge-offs to loans | 0.3246% | 1,355 |
| Credit loss provision to net charge-offs | 158.9212% | 1,522 |
| Earnings coverage of net charge-offs (x) | 0.5809% | 4,608 |
| Efficiency ratio | 96.8044% | 475 |
| Assets per employee ($millions) | 2.8609% | 5,872 |
| Cash dividends to net income (ytd only)* | -40.3226% | 6,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4773% | 2,578 |
| Loan loss allowance to noncurrent loans | 48.1273% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 5.0877% | 266 |
| Noncurrent loans to loans | 3.0695% | 729 |
| Net loans and leases to total assets | 53.2542% | 4,663 |
| Net loans and leases to deposits | 59.4870% | 4,945 |
| Net loans and leases to core deposits | 69.9756% | 4,331 |
| Total domestic deposits to total assets | 89.5224% | 964 |
| Equity capital to assets | 10.0768% | 4,011 |
| Core capital (leverage) ratio | 10.4667% | 2,985 |
| Tier 1 risk-based capital ratio | 17.6827% | 2,246 |
| Total risk-based capital ratio | 18.9346% | 2,214 |
| Memoranda: | ||
| Average total assets | $130,198,000 | 3,968 |
| Average earning assets | $116,566,200 | 4,037 |
| Average equity | $13,151,000 | 4,164 |
| Average total loans | $74,254,400 | 4,049 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 2,978 |
| Cost of funding earning assets | 0.4928% | 2,839 |
| Net interest margin | 3.7106% | 2,984 |
| Noninterest income to average assets | 0.2624% | 5,331 |
| Noninterest expense to average assets | 3.0902% | 2,500 |
| Loan and lease loss provision to assets | 0.1971% | 1,217 |
| Net operating income to assets | 0.2839% | 5,642 |
| Return on assets (ROA) | 0.2839% | 5,707 |
| Pretax return on assets | 0.2890% | 5,794 |
| Return on Equity (ROE) | 2.8090% | 5,611 |
| Retained earnings to average equity (ytd only) | 1.7986% | 5,151 |
| Net charge-offs to loans | 0.2758% | 1,422 |
| Credit loss provision to net charge-offs | 123.7179% | 1,863 |
| Earnings coverage of net charge-offs (x) | 3.0513% | 3,754 |
| Efficiency ratio | 86.4078% | 1,145 |
| Assets per employee ($millions) | 2.8009% | 5,962 |
| Cash dividends to net income (ytd only)* | 35.9710% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 3,785 |
| Loan loss allowance to noncurrent loans | 62.9604% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 5.0944% | 330 |
| Noncurrent loans to loans | 2.0232% | 1,563 |
| Net loans and leases to total assets | 56.7561% | 4,233 |
| Net loans and leases to deposits | 63.7695% | 4,562 |
| Net loans and leases to core deposits | 75.6570% | 3,789 |
| Total domestic deposits to total assets | 89.0020% | 1,235 |
| Equity capital to assets | 10.6362% | 3,385 |
| Core capital (leverage) ratio | 10.6306% | 2,886 |
| Tier 1 risk-based capital ratio | 17.9121% | 2,236 |
| Total risk-based capital ratio | 19.1234% | 2,211 |
| Memoranda: | ||
| Average total assets | $130,562,250 | 3,994 |
| Average earning assets | $116,598,750 | 4,073 |
| Average equity | $13,195,500 | 4,181 |
| Average total loans | $75,421,000 | 4,050 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2046% | 2,936 |
| Cost of funding earning assets | 0.4967% | 2,868 |
| Net interest margin | 3.7078% | 2,930 |
| Noninterest income to average assets | 0.3332% | 4,760 |
| Noninterest expense to average assets | 3.1165% | 2,433 |
| Loan and lease loss provision to assets | 0.1545% | 1,597 |
| Net operating income to assets | 0.3665% | 5,348 |
| Return on assets (ROA) | 0.3665% | 5,416 |
| Pretax return on assets | 0.3740% | 5,629 |
| Return on Equity (ROE) | 3.6875% | 5,275 |
| Retained earnings to average equity (ytd only) | 2.1638% | 4,811 |
| Net charge-offs to loans | 0.2513% | 1,550 |
| Credit loss provision to net charge-offs | 106.2500% | 1,884 |
| Earnings coverage of net charge-offs (x) | 3.6354% | 3,251 |
| Efficiency ratio | 85.5006% | 1,321 |
| Assets per employee ($millions) | 2.8377% | 5,977 |
| Cash dividends to net income (ytd only)* | 41.3223% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 4,486 |
| Loan loss allowance to noncurrent loans | 76.0443% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 5.0332% | 355 |
| Noncurrent loans to loans | 1.5602% | 2,220 |
| Net loans and leases to total assets | 56.9155% | 4,130 |
| Net loans and leases to deposits | 63.6692% | 4,533 |
| Net loans and leases to core deposits | 74.9934% | 3,737 |
| Total domestic deposits to total assets | 89.3926% | 1,161 |
| Equity capital to assets | 10.2458% | 3,763 |
| Core capital (leverage) ratio | 10.5721% | 2,862 |
| Tier 1 risk-based capital ratio | 16.9508% | 2,639 |
| Total risk-based capital ratio | 18.0616% | 2,665 |
| Memoranda: | ||
| Average total assets | $132,069,330 | 3,991 |
| Average earning assets | $117,967,000 | 4,065 |
| Average equity | $13,125,330 | 4,197 |
| Average total loans | $76,408,330 | 4,028 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 2,805 |
| Cost of funding earning assets | 0.5261% | 2,645 |
| Net interest margin | 3.6927% | 2,891 |
| Noninterest income to average assets | 0.3011% | 4,947 |
| Noninterest expense to average assets | 2.9449% | 3,066 |
| Loan and lease loss provision to assets | 0.2710% | 767 |
| Net operating income to assets | 0.3764% | 5,203 |
| Return on assets (ROA) | 0.3764% | 5,273 |
| Pretax return on assets | 0.3824% | 5,505 |
| Return on Equity (ROE) | 3.8459% | 5,115 |
| Retained earnings to average equity (ytd only) | 0.7692% | 5,282 |
| Net charge-offs to loans | 0.1454% | 1,851 |
| Credit loss provision to net charge-offs | 321.4286% | 761 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 2,095 |
| Efficiency ratio | 81.8410% | 1,948 |
| Assets per employee ($millions) | 2.9984% | 5,859 |
| Cash dividends to net income (ytd only)* | 80.0000% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 4,436 |
| Loan loss allowance to noncurrent loans | 179.5455% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 4.6973% | 457 |
| Noncurrent loans to loans | 0.6910% | 4,145 |
| Net loans and leases to total assets | 57.2017% | 3,970 |
| Net loans and leases to deposits | 63.7287% | 4,343 |
| Net loans and leases to core deposits | 74.8646% | 3,548 |
| Total domestic deposits to total assets | 89.7580% | 1,203 |
| Equity capital to assets | 9.9524% | 3,901 |
| Core capital (leverage) ratio | 10.0863% | 3,445 |
| Tier 1 risk-based capital ratio | 16.5473% | 2,874 |
| Total risk-based capital ratio | 17.7097% | 2,887 |
| Memoranda: | ||
| Average total assets | $132,838,000 | 4,012 |
| Average earning assets | $118,611,500 | 4,078 |
| Average equity | $13,001,000 | 4,236 |
| Average total loans | $77,020,000 | 4,031 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 2,830 |
| Cost of funding earning assets | 0.5868% | 2,779 |
| Net interest margin | 3.7469% | 2,865 |
| Noninterest income to average assets | 0.0169% | 6,619 |
| Noninterest expense to average assets | 3.0869% | 2,772 |
| Loan and lease loss provision to assets | 0.5752% | 446 |
| Net operating income to assets | -0.2765% | 6,404 |
| Return on assets (ROA) | -0.2765% | 6,427 |
| Pretax return on assets | -0.2780% | 6,402 |
| Return on Equity (ROE) | -2.7486% | 6,417 |
| Retained earnings to average equity (ytd only) | -3.4796% | 6,291 |
| Net charge-offs to loans | 0.9830% | 601 |
| Credit loss provision to net charge-offs | 97.2637% | 2,558 |
| Earnings coverage of net charge-offs (x) | 0.5025% | 4,912 |
| Efficiency ratio | 91.2193% | 931 |
| Assets per employee ($millions) | 2.9722% | 5,870 |
| Cash dividends to net income (ytd only)* | -26.5957% | 6,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 4,950 |
| Loan loss allowance to noncurrent loans | 226.3427% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 4.5818% | 540 |
| Noncurrent loans to loans | 0.5037% | 4,734 |
| Net loans and leases to total assets | 57.3781% | 4,137 |
| Net loans and leases to deposits | 66.9920% | 4,183 |
| Net loans and leases to core deposits | 78.7542% | 3,270 |
| Total domestic deposits to total assets | 85.6491% | 3,429 |
| Equity capital to assets | 9.6241% | 4,253 |
| Core capital (leverage) ratio | 10.0716% | 3,466 |
| Tier 1 risk-based capital ratio | 16.4389% | 2,885 |
| Total risk-based capital ratio | 17.5189% | 2,931 |
| Memoranda: | ||
| Average total assets | $135,962,600 | 3,957 |
| Average earning assets | $122,181,200 | 4,011 |
| Average equity | $13,679,800 | 4,131 |
| Average total loans | $81,787,000 | 3,887 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 2,796 |
| Cost of funding earning assets | 0.5968% | 2,837 |
| Net interest margin | 3.7514% | 2,841 |
| Noninterest income to average assets | 0.3106% | 5,221 |
| Noninterest expense to average assets | 3.0501% | 2,817 |
| Loan and lease loss provision to assets | 0.3438% | 943 |
| Net operating income to assets | 0.2950% | 5,636 |
| Return on assets (ROA) | 0.2950% | 5,749 |
| Pretax return on assets | 0.2930% | 5,894 |
| Return on Equity (ROE) | 2.9006% | 5,639 |
| Retained earnings to average equity (ytd only) | 1.9402% | 5,160 |
| Net charge-offs to loans | 0.7051% | 846 |
| Credit loss provision to net charge-offs | 80.3653% | 2,841 |
| Earnings coverage of net charge-offs (x) | 1.4886% | 4,343 |
| Efficiency ratio | 82.7285% | 1,732 |
| Assets per employee ($millions) | 2.9452% | 5,933 |
| Cash dividends to net income (ytd only)* | 33.1123% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 5,616 |
| Loan loss allowance to noncurrent loans | 46.8875% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 5.1418% | 533 |
| Noncurrent loans to loans | 2.1881% | 2,021 |
| Net loans and leases to total assets | 58.4631% | 3,931 |
| Net loans and leases to deposits | 68.5790% | 3,985 |
| Net loans and leases to core deposits | 80.7644% | 3,037 |
| Total domestic deposits to total assets | 85.2492% | 3,614 |
| Equity capital to assets | 9.9626% | 3,950 |
| Core capital (leverage) ratio | 10.4460% | 3,066 |
| Tier 1 risk-based capital ratio | 16.7702% | 2,826 |
| Total risk-based capital ratio | 17.7434% | 2,903 |
| Memoranda: | ||
| Average total assets | $136,516,250 | 3,985 |
| Average earning assets | $122,866,000 | 4,032 |
| Average equity | $13,881,750 | 4,137 |
| Average total loans | $82,827,000 | 3,887 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 2,994 |
| Cost of funding earning assets | 0.6095% | 2,851 |
| Net interest margin | 3.6813% | 3,029 |
| Noninterest income to average assets | 0.2718% | 5,510 |
| Noninterest expense to average assets | 2.9299% | 3,237 |
| Loan and lease loss provision to assets | 0.1154% | 2,883 |
| Net operating income to assets | 0.5480% | 4,561 |
| Return on assets (ROA) | 0.5480% | 4,729 |
| Pretax return on assets | 0.5451% | 5,220 |
| Return on Equity (ROE) | 5.3533% | 4,543 |
| Retained earnings to average equity (ytd only) | 3.9258% | 3,793 |
| Net charge-offs to loans | 0.7521% | 858 |
| Credit loss provision to net charge-offs | 25.0794% | 3,661 |
| Earnings coverage of net charge-offs (x) | 1.4349% | 4,060 |
| Efficiency ratio | 81.6036% | 1,945 |
| Assets per employee ($millions) | 2.8801% | 6,053 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 6,359 |
| Loan loss allowance to noncurrent loans | 22.4265% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 5.7503% | 489 |
| Noncurrent loans to loans | 3.5548% | 1,171 |
| Net loans and leases to total assets | 61.6827% | 3,357 |
| Net loans and leases to deposits | 72.4853% | 3,384 |
| Net loans and leases to core deposits | 85.6363% | 2,369 |
| Total domestic deposits to total assets | 85.0968% | 3,848 |
| Equity capital to assets | 10.1916% | 3,669 |
| Core capital (leverage) ratio | 10.5160% | 2,864 |
| Tier 1 risk-based capital ratio | 16.3160% | 3,030 |
| Total risk-based capital ratio | 17.0858% | 3,242 |
| Memoranda: | ||
| Average total assets | $136,862,670 | 4,001 |
| Average earning assets | $123,381,330 | 4,045 |
| Average equity | $14,010,000 | 4,148 |
| Average total loans | $83,761,000 | 3,879 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 3,296 |
| Cost of funding earning assets | 0.6361% | 2,774 |
| Net interest margin | 3.5648% | 3,411 |
| Noninterest income to average assets | 0.3779% | 4,640 |
| Noninterest expense to average assets | 3.0230% | 2,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5697% | 4,363 |
| Return on assets (ROA) | 0.5697% | 4,514 |
| Pretax return on assets | 0.5639% | 5,067 |
| Return on Equity (ROE) | 5.5536% | 4,288 |
| Retained earnings to average equity (ytd only) | 2.7201% | 4,656 |
| Net charge-offs to loans | 0.2106% | 2,155 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.4091% | 2,566 |
| Efficiency ratio | 84.2788% | 1,727 |
| Assets per employee ($millions) | 2.7654% | 6,334 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 5,859 |
| Loan loss allowance to noncurrent loans | 18.6837% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 6.7090% | 435 |
| Noncurrent loans to loans | 5.5355% | 647 |
| Net loans and leases to total assets | 60.9429% | 3,261 |
| Net loans and leases to deposits | 71.8218% | 3,204 |
| Net loans and leases to core deposits | 84.8741% | 2,227 |
| Total domestic deposits to total assets | 84.8528% | 4,114 |
| Equity capital to assets | 10.4543% | 3,594 |
| Core capital (leverage) ratio | 10.2401% | 3,090 |
| Tier 1 risk-based capital ratio | 15.8359% | 3,353 |
| Total risk-based capital ratio | 16.8091% | 3,460 |
| Memoranda: | ||
| Average total assets | $137,610,500 | 4,026 |
| Average earning assets | $123,876,500 | 4,070 |
| Average equity | $14,117,000 | 4,177 |
| Average total loans | $83,557,000 | 3,911 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5789% | 3,082 |
| Cost of funding earning assets | 0.8460% | 2,316 |
| Net interest margin | 3.7329% | 3,510 |
| Noninterest income to average assets | -0.1211% | 6,930 |
| Noninterest expense to average assets | 2.9719% | 3,376 |
| Loan and lease loss provision to assets | 0.2283% | 2,848 |
| Net operating income to assets | 0.0516% | 6,085 |
| Return on assets (ROA) | 0.1865% | 5,985 |
| Pretax return on assets | 0.1956% | 5,998 |
| Return on Equity (ROE) | 1.8689% | 5,941 |
| Retained earnings to average equity (ytd only) | 1.8689% | 4,903 |
| Net charge-offs to loans | 0.4014% | 2,651 |
| Credit loss provision to net charge-offs | 94.2529% | 3,302 |
| Earnings coverage of net charge-offs (x) | 1.1638% | 4,880 |
| Efficiency ratio | 91.3369% | 960 |
| Assets per employee ($millions) | 2.8514% | 6,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 5,615 |
| Loan loss allowance to noncurrent loans | 30.2838% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 5.4381% | 689 |
| Noncurrent loans to loans | 3.5795% | 1,378 |
| Net loans and leases to total assets | 59.2369% | 3,742 |
| Net loans and leases to deposits | 70.5479% | 3,629 |
| Net loans and leases to core deposits | 83.6575% | 2,587 |
| Total domestic deposits to total assets | 83.9669% | 4,329 |
| Equity capital to assets | 10.0689% | 4,076 |
| Core capital (leverage) ratio | 10.0539% | 3,335 |
| Tier 1 risk-based capital ratio | 15.5135% | 3,415 |
| Total risk-based capital ratio | 16.5224% | 3,514 |
| Memoranda: | ||
| Average total assets | $143,676,800 | 3,886 |
| Average earning assets | $129,899,000 | 3,900 |
| Average equity | $14,340,000 | 4,097 |
| Average total loans | $86,698,200 | 3,829 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6264% | 3,108 |
| Cost of funding earning assets | 0.8921% | 2,226 |
| Net interest margin | 3.7343% | 3,639 |
| Noninterest income to average assets | 0.3263% | 5,182 |
| Noninterest expense to average assets | 2.8995% | 3,599 |
| Loan and lease loss provision to assets | 0.1982% | 3,102 |
| Net operating income to assets | 0.5999% | 4,396 |
| Return on assets (ROA) | 0.7760% | 3,819 |
| Pretax return on assets | 0.7880% | 4,542 |
| Return on Equity (ROE) | 7.7918% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.7918% | 1,707 |
| Net charge-offs to loans | 0.2683% | 3,115 |
| Credit loss provision to net charge-offs | 122.1591% | 2,366 |
| Earnings coverage of net charge-offs (x) | 4.9716% | 3,146 |
| Efficiency ratio | 78.2392% | 2,365 |
| Assets per employee ($millions) | 2.8580% | 6,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 5,585 |
| Loan loss allowance to noncurrent loans | 27.8707% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 6.1852% | 637 |
| Noncurrent loans to loans | 4.0662% | 1,245 |
| Net loans and leases to total assets | 61.4315% | 3,491 |
| Net loans and leases to deposits | 73.8997% | 3,295 |
| Net loans and leases to core deposits | 88.4505% | 2,162 |
| Total domestic deposits to total assets | 83.1283% | 4,591 |
| Equity capital to assets | 10.7718% | 3,531 |
| Core capital (leverage) ratio | 10.0684% | 3,444 |
| Tier 1 risk-based capital ratio | 15.9650% | 3,283 |
| Total risk-based capital ratio | 17.0271% | 3,354 |
| Memoranda: | ||
| Average total assets | $144,666,750 | 3,907 |
| Average earning assets | $130,926,500 | 3,916 |
| Average equity | $14,408,000 | 4,120 |
| Average total loans | $87,455,000 | 3,850 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 3,149 |
| Cost of funding earning assets | 0.9142% | 2,300 |
| Net interest margin | 3.7331% | 3,670 |
| Noninterest income to average assets | 0.3235% | 5,241 |
| Noninterest expense to average assets | 2.8785% | 3,708 |
| Loan and lease loss provision to assets | 0.0231% | 5,377 |
| Net operating income to assets | 0.8051% | 3,373 |
| Return on assets (ROA) | 0.9962% | 2,705 |
| Pretax return on assets | 1.0057% | 3,686 |
| Return on Equity (ROE) | 10.2625% | 2,258 |
| Retained earnings to average equity (ytd only) | 10.2625% | 899 |
| Net charge-offs to loans | 0.2290% | 3,200 |
| Credit loss provision to net charge-offs | 16.8317% | 4,657 |
| Earnings coverage of net charge-offs (x) | 6.0891% | 2,703 |
| Efficiency ratio | 77.4973% | 2,522 |
| Assets per employee ($millions) | 3.0847% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 6,266 |
| Loan loss allowance to noncurrent loans | 19.2246% | 6,537 |
| Noncurrent assets plus other real estate owned to assets | 5.3854% | 844 |
| Noncurrent loans to loans | 5.0387% | 968 |
| Net loans and leases to total assets | 58.2054% | 4,125 |
| Net loans and leases to deposits | 70.4847% | 3,824 |
| Net loans and leases to core deposits | 85.1552% | 2,536 |
| Total domestic deposits to total assets | 82.5788% | 4,917 |
| Equity capital to assets | 9.9117% | 4,466 |
| Core capital (leverage) ratio | 9.8045% | 3,711 |
| Tier 1 risk-based capital ratio | 15.6656% | 3,352 |
| Total risk-based capital ratio | 16.5831% | 3,515 |
| Memoranda: | ||
| Average total assets | $147,161,670 | 3,884 |
| Average earning assets | $133,669,000 | 3,891 |
| Average equity | $14,285,000 | 4,139 |
| Average total loans | $88,193,670 | 3,849 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 2,962 |
| Cost of funding earning assets | 0.9571% | 2,254 |
| Net interest margin | 3.7651% | 3,538 |
| Noninterest income to average assets | 0.2154% | 6,079 |
| Noninterest expense to average assets | 2.9173% | 3,547 |
| Loan and lease loss provision to assets | 0.0300% | 4,991 |
| Net operating income to assets | 0.6619% | 4,071 |
| Return on assets (ROA) | 0.7280% | 3,975 |
| Pretax return on assets | 0.7471% | 4,619 |
| Return on Equity (ROE) | 7.5801% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.5801% | 2,137 |
| Net charge-offs to loans | 0.3920% | 2,127 |
| Credit loss provision to net charge-offs | 12.6437% | 3,870 |
| Earnings coverage of net charge-offs (x) | 2.9885% | 2,995 |
| Efficiency ratio | 80.4511% | 2,147 |
| Assets per employee ($millions) | 3.2355% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 6,363 |
| Loan loss allowance to noncurrent loans | 21.4034% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 5.8529% | 816 |
| Noncurrent loans to loans | 4.5254% | 1,283 |
| Net loans and leases to total assets | 58.4602% | 3,962 |
| Net loans and leases to deposits | 70.4535% | 3,667 |
| Net loans and leases to core deposits | 84.9281% | 2,418 |
| Total domestic deposits to total assets | 82.9769% | 4,934 |
| Equity capital to assets | 9.5382% | 4,743 |
| Core capital (leverage) ratio | 9.5272% | 4,015 |
| Tier 1 risk-based capital ratio | 15.1121% | 3,680 |
| Total risk-based capital ratio | 16.0343% | 3,865 |
| Memoranda: | ||
| Average total assets | $146,709,000 | 3,926 |
| Average earning assets | $132,904,500 | 3,926 |
| Average equity | $14,089,500 | 4,184 |
| Average total loans | $88,777,500 | 3,859 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 4,408 |
| Cost of funding earning assets | 1.1536% | 2,329 |
| Net interest margin | 3.5093% | 5,106 |
| Noninterest income to average assets | -0.0553% | 7,063 |
| Noninterest expense to average assets | 2.7217% | 4,661 |
| Loan and lease loss provision to assets | 0.3303% | 3,043 |
| Net operating income to assets | 0.0917% | 5,881 |
| Return on assets (ROA) | 0.0930% | 5,998 |
| Pretax return on assets | 0.0962% | 5,974 |
| Return on Equity (ROE) | 1.0443% | 5,955 |
| Retained earnings to average equity (ytd only) | 1.0443% | 5,370 |
| Net charge-offs to loans | 1.0233% | 1,707 |
| Credit loss provision to net charge-offs | 52.8067% | 5,354 |
| Earnings coverage of net charge-offs (x) | 0.6798% | 5,304 |
| Efficiency ratio | 86.4876% | 1,501 |
| Assets per employee ($millions) | 3.1432% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 6,054 |
| Loan loss allowance to noncurrent loans | 24.7861% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 5.9543% | 824 |
| Noncurrent loans to loans | 4.1696% | 1,471 |
| Net loans and leases to total assets | 61.3957% | 3,715 |
| Net loans and leases to deposits | 74.2756% | 3,452 |
| Net loans and leases to core deposits | 90.1611% | 2,105 |
| Total domestic deposits to total assets | 82.6593% | 4,896 |
| Equity capital to assets | 9.6711% | 4,647 |
| Core capital (leverage) ratio | 9.3766% | 4,216 |
| Tier 1 risk-based capital ratio | 14.7921% | 3,762 |
| Total risk-based capital ratio | 15.7947% | 3,913 |
| Memoranda: | ||
| Average total assets | $153,803,000 | 3,738 |
| Average earning assets | $140,339,400 | 3,738 |
| Average equity | $13,693,600 | 4,191 |
| Average total loans | $94,010,000 | 3,765 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6266% | 4,762 |
| Cost of funding earning assets | 1.1956% | 2,340 |
| Net interest margin | 3.4309% | 5,460 |
| Noninterest income to average assets | -0.1503% | 7,246 |
| Noninterest expense to average assets | 2.7041% | 4,708 |
| Loan and lease loss provision to assets | 0.3510% | 2,767 |
| Net operating income to assets | -0.0734% | 6,253 |
| Return on assets (ROA) | -0.0717% | 6,340 |
| Pretax return on assets | -0.0666% | 6,301 |
| Return on Equity (ROE) | -0.8222% | 6,353 |
| Retained earnings to average equity (ytd only) | -0.8222% | 6,120 |
| Net charge-offs to loans | 0.7403% | 2,082 |
| Credit loss provision to net charge-offs | 77.8409% | 4,214 |
| Earnings coverage of net charge-offs (x) | 0.6269% | 5,158 |
| Efficiency ratio | 90.5347% | 1,137 |
| Assets per employee ($millions) | 3.1973% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 4,677 |
| Loan loss allowance to noncurrent loans | 29.6992% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 5.4646% | 1,025 |
| Noncurrent loans to loans | 4.6195% | 1,396 |
| Net loans and leases to total assets | 61.7832% | 3,780 |
| Net loans and leases to deposits | 74.3939% | 3,601 |
| Net loans and leases to core deposits | 89.8766% | 2,266 |
| Total domestic deposits to total assets | 83.0487% | 4,659 |
| Equity capital to assets | 9.3756% | 5,268 |
| Core capital (leverage) ratio | 9.0432% | 4,861 |
| Tier 1 risk-based capital ratio | 14.1933% | 4,208 |
| Total risk-based capital ratio | 15.4448% | 4,173 |
| Memoranda: | ||
| Average total assets | $156,107,500 | 3,725 |
| Average earning assets | $142,736,750 | 3,723 |
| Average equity | $13,621,250 | 4,212 |
| Average total loans | $95,088,500 | 3,777 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5753% | 5,076 |
| Cost of funding earning assets | 1.2512% | 2,242 |
| Net interest margin | 3.3241% | 5,791 |
| Noninterest income to average assets | -0.2539% | 7,363 |
| Noninterest expense to average assets | 2.7238% | 4,727 |
| Loan and lease loss provision to assets | 0.3783% | 2,524 |
| Net operating income to assets | -0.3167% | 6,564 |
| Return on assets (ROA) | -0.3142% | 6,592 |
| Pretax return on assets | -0.3079% | 6,536 |
| Return on Equity (ROE) | -3.6859% | 6,636 |
| Retained earnings to average equity (ytd only) | -3.6859% | 6,443 |
| Net charge-offs to loans | 1.5280% | 966 |
| Credit loss provision to net charge-offs | 41.0082% | 4,803 |
| Earnings coverage of net charge-offs (x) | 0.0736% | 5,235 |
| Efficiency ratio | 97.5687% | 808 |
| Assets per employee ($millions) | 3.1347% | 5,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 6,244 |
| Loan loss allowance to noncurrent loans | 25.7609% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 5.1790% | 1,176 |
| Noncurrent loans to loans | 3.9665% | 1,749 |
| Net loans and leases to total assets | 59.7848% | 4,312 |
| Net loans and leases to deposits | 71.7500% | 4,151 |
| Net loans and leases to core deposits | 85.9783% | 2,910 |
| Total domestic deposits to total assets | 83.3237% | 4,621 |
| Equity capital to assets | 8.7656% | 5,859 |
| Core capital (leverage) ratio | 8.6569% | 5,290 |
| Tier 1 risk-based capital ratio | 13.9441% | 4,206 |
| Total risk-based capital ratio | 14.9393% | 4,362 |
| Memoranda: | ||
| Average total assets | $159,118,670 | 3,694 |
| Average earning assets | $145,781,670 | 3,695 |
| Average equity | $13,565,330 | 4,208 |
| Average total loans | $96,074,330 | 3,793 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 5,034 |
| Cost of funding earning assets | 1.3248% | 2,039 |
| Net interest margin | 3.2543% | 5,911 |
| Noninterest income to average assets | 0.3262% | 5,301 |
| Noninterest expense to average assets | 2.6119% | 5,176 |
| Loan and lease loss provision to assets | 0.1804% | 3,811 |
| Net operating income to assets | 0.5263% | 4,374 |
| Return on assets (ROA) | 0.5263% | 4,458 |
| Pretax return on assets | 0.5263% | 4,937 |
| Return on Equity (ROE) | 6.2573% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.2573% | 2,489 |
| Net charge-offs to loans | 0.4257% | 2,416 |
| Credit loss provision to net charge-offs | 70.1923% | 3,349 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 2,980 |
| Efficiency ratio | 78.7044% | 2,732 |
| Assets per employee ($millions) | 3.1972% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 4,701 |
| Loan loss allowance to noncurrent loans | 35.0104% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 5.5080% | 1,099 |
| Noncurrent loans to loans | 3.9761% | 1,834 |
| Net loans and leases to total assets | 61.0422% | 4,069 |
| Net loans and leases to deposits | 73.1032% | 3,903 |
| Net loans and leases to core deposits | 91.2901% | 2,199 |
| Total domestic deposits to total assets | 83.5014% | 4,701 |
| Equity capital to assets | 8.7500% | 5,576 |
| Core capital (leverage) ratio | 8.4799% | 5,493 |
| Tier 1 risk-based capital ratio | 13.9341% | 4,118 |
| Total risk-based capital ratio | 15.1859% | 4,090 |
| Memoranda: | ||
| Average total assets | $161,877,500 | 3,672 |
| Average earning assets | $148,849,500 | 3,663 |
| Average equity | $13,616,000 | 4,185 |
| Average total loans | $97,722,500 | 3,784 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 5,211 |
| Cost of funding earning assets | 1.4946% | 2,679 |
| Net interest margin | 3.3609% | 5,757 |
| Noninterest income to average assets | 0.2326% | 6,137 |
| Noninterest expense to average assets | 2.8930% | 4,254 |
| Loan and lease loss provision to assets | 0.4867% | 3,228 |
| Net operating income to assets | -0.0406% | 5,914 |
| Return on assets (ROA) | 0.0152% | 5,926 |
| Pretax return on assets | 0.0152% | 5,867 |
| Return on Equity (ROE) | 0.1724% | 5,914 |
| Retained earnings to average equity (ytd only) | 0.1724% | 5,490 |
| Net charge-offs to loans | 0.7955% | 2,648 |
| Credit loss provision to net charge-offs | 97.5858% | 4,753 |
| Earnings coverage of net charge-offs (x) | 0.8945% | 5,220 |
| Efficiency ratio | 86.6388% | 1,607 |
| Assets per employee ($millions) | 3.2763% | 5,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 4,493 |
| Loan loss allowance to noncurrent loans | 42.2324% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 4.6681% | 1,415 |
| Noncurrent loans to loans | 3.3210% | 2,283 |
| Net loans and leases to total assets | 58.1018% | 5,014 |
| Net loans and leases to deposits | 68.6363% | 5,018 |
| Net loans and leases to core deposits | 84.1231% | 3,580 |
| Total domestic deposits to total assets | 84.6517% | 4,029 |
| Equity capital to assets | 8.0937% | 6,390 |
| Core capital (leverage) ratio | 8.6481% | 5,108 |
| Tier 1 risk-based capital ratio | 13.3837% | 4,301 |
| Total risk-based capital ratio | 14.6356% | 4,259 |
| Memoranda: | ||
| Average total assets | $157,796,000 | 3,739 |
| Average earning assets | $145,853,600 | 3,710 |
| Average equity | $13,921,200 | 4,161 |
| Average total loans | $98,926,000 | 3,828 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9759% | 4,924 |
| Cost of funding earning assets | 1.5395% | 2,727 |
| Net interest margin | 3.4365% | 5,544 |
| Noninterest income to average assets | 0.2736% | 5,921 |
| Noninterest expense to average assets | 2.8626% | 4,231 |
| Loan and lease loss provision to assets | 0.2984% | 4,189 |
| Net operating income to assets | 0.2941% | 5,190 |
| Return on assets (ROA) | 0.2941% | 5,361 |
| Pretax return on assets | 0.2941% | 5,528 |
| Return on Equity (ROE) | 3.2618% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.2618% | 4,150 |
| Net charge-offs to loans | 0.5762% | 3,018 |
| Credit loss provision to net charge-offs | 81.3084% | 5,093 |
| Earnings coverage of net charge-offs (x) | 1.6145% | 4,508 |
| Efficiency ratio | 82.8493% | 1,967 |
| Assets per employee ($millions) | 2.9687% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 4,723 |
| Loan loss allowance to noncurrent loans | 52.9270% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 4.1254% | 1,670 |
| Noncurrent loans to loans | 2.5457% | 3,077 |
| Net loans and leases to total assets | 63.8345% | 4,155 |
| Net loans and leases to deposits | 77.3227% | 3,952 |
| Net loans and leases to core deposits | 98.1188% | 2,026 |
| Total domestic deposits to total assets | 82.5559% | 4,770 |
| Equity capital to assets | 9.3980% | 4,989 |
| Core capital (leverage) ratio | 8.9539% | 4,757 |
| Tier 1 risk-based capital ratio | 13.8969% | 3,916 |
| Total risk-based capital ratio | 15.1479% | 3,887 |
| Memoranda: | ||
| Average total assets | $155,471,750 | 3,834 |
| Average earning assets | $143,942,500 | 3,795 |
| Average equity | $14,020,500 | 4,193 |
| Average total loans | $99,041,250 | 3,887 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9961% | 4,963 |
| Cost of funding earning assets | 1.5637% | 2,878 |
| Net interest margin | 3.4324% | 5,507 |
| Noninterest income to average assets | 0.4234% | 4,725 |
| Noninterest expense to average assets | 2.8707% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7384% | 3,245 |
| Return on assets (ROA) | 0.7384% | 3,395 |
| Pretax return on assets | 0.7384% | 4,113 |
| Return on Equity (ROE) | 8.3005% | 2,761 |
| Retained earnings to average equity (ytd only) | 8.3005% | 1,334 |
| Net charge-offs to loans | 0.1751% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 6.6552% | 2,423 |
| Efficiency ratio | 79.5406% | 2,502 |
| Assets per employee ($millions) | 3.1086% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 4,857 |
| Loan loss allowance to noncurrent loans | 70.7054% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 2.6397% | 2,734 |
| Noncurrent loans to loans | 1.8520% | 3,933 |
| Net loans and leases to total assets | 62.4179% | 4,600 |
| Net loans and leases to deposits | 74.9494% | 4,520 |
| Net loans and leases to core deposits | 92.8007% | 2,874 |
| Total domestic deposits to total assets | 83.2800% | 4,451 |
| Equity capital to assets | 9.0361% | 5,390 |
| Core capital (leverage) ratio | 9.0808% | 4,479 |
| Tier 1 risk-based capital ratio | 14.0420% | 3,696 |
| Total risk-based capital ratio | 15.2928% | 3,668 |
| Memoranda: | ||
| Average total assets | $156,827,670 | 3,846 |
| Average earning assets | $145,552,330 | 3,786 |
| Average equity | $13,951,000 | 4,212 |
| Average total loans | $99,399,000 | 3,919 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9885% | 5,069 |
| Cost of funding earning assets | 1.6370% | 2,727 |
| Net interest margin | 3.3515% | 5,778 |
| Noninterest income to average assets | 0.2539% | 6,115 |
| Noninterest expense to average assets | 2.8544% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5078% | 4,351 |
| Return on assets (ROA) | 0.5078% | 4,494 |
| Pretax return on assets | 0.5078% | 4,932 |
| Return on Equity (ROE) | 5.7544% | 3,990 |
| Retained earnings to average equity (ytd only) | 5.7544% | 2,740 |
| Net charge-offs to loans | -0.0081% | 6,859 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8970% | 1,920 |
| Assets per employee ($millions) | 3.0523% | 6,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 4,296 |
| Loan loss allowance to noncurrent loans | 143.0612% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 2.4552% | 2,960 |
| Noncurrent loans to loans | 0.9961% | 5,329 |
| Net loans and leases to total assets | 63.5484% | 4,417 |
| Net loans and leases to deposits | 76.6498% | 4,292 |
| Net loans and leases to core deposits | 94.3847% | 2,788 |
| Total domestic deposits to total assets | 82.9074% | 4,675 |
| Equity capital to assets | 9.1013% | 5,130 |
| Core capital (leverage) ratio | 8.7580% | 4,924 |
| Tier 1 risk-based capital ratio | 14.0151% | 3,646 |
| Total risk-based capital ratio | 15.2676% | 3,607 |
| Memoranda: | ||
| Average total assets | $155,971,000 | 3,904 |
| Average earning assets | $144,652,000 | 3,860 |
| Average equity | $13,763,500 | 4,297 |
| Average total loans | $98,963,000 | 3,986 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3502% | 4,940 |
| Cost of funding earning assets | 2.0491% | 2,732 |
| Net interest margin | 3.3012% | 5,743 |
| Noninterest income to average assets | 0.3160% | 5,819 |
| Noninterest expense to average assets | 3.0034% | 4,126 |
| Loan and lease loss provision to assets | 0.5445% | 3,644 |
| Net operating income to assets | -0.1424% | 5,751 |
| Return on assets (ROA) | 0.0212% | 5,467 |
| Pretax return on assets | 0.0257% | 5,374 |
| Return on Equity (ROE) | 0.2400% | 5,458 |
| Retained earnings to average equity (ytd only) | 0.2400% | 4,768 |
| Net charge-offs to loans | 1.4316% | 1,752 |
| Credit loss provision to net charge-offs | 59.3268% | 6,649 |
| Earnings coverage of net charge-offs (x) | 0.4039% | 5,710 |
| Efficiency ratio | 89.0118% | 1,798 |
| Assets per employee ($millions) | 3.1240% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 4,201 |
| Loan loss allowance to noncurrent loans | 94.3396% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 2.5256% | 2,770 |
| Noncurrent loans to loans | 1.4909% | 4,430 |
| Net loans and leases to total assets | 61.5963% | 5,083 |
| Net loans and leases to deposits | 74.6140% | 4,937 |
| Net loans and leases to core deposits | 106.0698% | 3,325 |
| Total domestic deposits to total assets | 82.5534% | 4,724 |
| Equity capital to assets | 8.5592% | 5,793 |
| Core capital (leverage) ratio | 8.7906% | 4,781 |
| Tier 1 risk-based capital ratio | 13.6483% | 3,721 |
| Total risk-based capital ratio | 13.7999% | 4,423 |
| Memoranda: | ||
| Average total assets | $155,358,000 | 3,876 |
| Average earning assets | $143,919,200 | 3,816 |
| Average equity | $13,749,200 | 4,324 |
| Average total loans | $99,607,000 | 3,964 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5031% | 4,401 |
| Cost of funding earning assets | 2.1543% | 2,628 |
| Net interest margin | 3.3489% | 5,446 |
| Noninterest income to average assets | 0.4707% | 4,747 |
| Noninterest expense to average assets | 3.0515% | 3,837 |
| Loan and lease loss provision to assets | 0.4655% | 3,582 |
| Net operating income to assets | 0.0543% | 5,596 |
| Return on assets (ROA) | 0.3049% | 4,880 |
| Pretax return on assets | 0.3109% | 5,028 |
| Return on Equity (ROE) | 3.4161% | 4,615 |
| Retained earnings to average equity (ytd only) | 3.4161% | 3,384 |
| Net charge-offs to loans | 1.1269% | 1,779 |
| Credit loss provision to net charge-offs | 64.0143% | 6,107 |
| Earnings coverage of net charge-offs (x) | 0.7162% | 5,321 |
| Efficiency ratio | 85.4207% | 2,136 |
| Assets per employee ($millions) | 3.0182% | 6,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 2,705 |
| Loan loss allowance to noncurrent loans | 80.3546% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 2.9611% | 2,339 |
| Noncurrent loans to loans | 2.0886% | 3,514 |
| Net loans and leases to total assets | 63.8264% | 4,901 |
| Net loans and leases to deposits | 80.0760% | 4,372 |
| Net loans and leases to core deposits | 119.0659% | 2,329 |
| Total domestic deposits to total assets | 79.7073% | 5,555 |
| Equity capital to assets | 9.1030% | 5,331 |
| Core capital (leverage) ratio | 8.8356% | 4,919 |
| Tier 1 risk-based capital ratio | 14.2338% | 3,417 |
| Total risk-based capital ratio | 14.6950% | 3,830 |
| Memoranda: | ||
| Average total assets | $154,366,000 | 3,904 |
| Average earning assets | $142,969,250 | 3,866 |
| Average equity | $13,777,250 | 4,342 |
| Average total loans | $99,624,000 | 3,999 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4737% | 4,758 |
| Cost of funding earning assets | 2.2052% | 2,767 |
| Net interest margin | 3.2685% | 5,669 |
| Noninterest income to average assets | 0.4297% | 5,034 |
| Noninterest expense to average assets | 3.0535% | 3,869 |
| Loan and lease loss provision to assets | 0.4725% | 3,161 |
| Net operating income to assets | -0.0880% | 5,986 |
| Return on assets (ROA) | -0.0116% | 5,940 |
| Pretax return on assets | -0.0039% | 5,874 |
| Return on Equity (ROE) | -0.1314% | 5,949 |
| Retained earnings to average equity (ytd only) | -0.1314% | 5,253 |
| Net charge-offs to loans | 0.7194% | 2,258 |
| Credit loss provision to net charge-offs | 101.9553% | 4,488 |
| Earnings coverage of net charge-offs (x) | 0.8464% | 4,906 |
| Efficiency ratio | 88.6176% | 1,938 |
| Assets per employee ($millions) | 3.0326% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9898% | 1,587 |
| Loan loss allowance to noncurrent loans | 77.9216% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 3.7022% | 1,662 |
| Noncurrent loans to loans | 2.5536% | 2,838 |
| Net loans and leases to total assets | 63.2804% | 5,124 |
| Net loans and leases to deposits | 79.1915% | 4,672 |
| Net loans and leases to core deposits | 114.0792% | 2,902 |
| Total domestic deposits to total assets | 79.9081% | 5,503 |
| Equity capital to assets | 8.9458% | 5,390 |
| Core capital (leverage) ratio | 8.7267% | 5,046 |
| Tier 1 risk-based capital ratio | 13.9711% | 3,539 |
| Total risk-based capital ratio | 14.7668% | 3,741 |
| Memoranda: | ||
| Average total assets | $154,512,330 | 3,930 |
| Average earning assets | $142,572,330 | 3,887 |
| Average equity | $13,699,000 | 4,371 |
| Average total loans | $99,524,330 | 4,030 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3406% | 5,702 |
| Cost of funding earning assets | 2.2808% | 2,790 |
| Net interest margin | 3.0598% | 6,303 |
| Noninterest income to average assets | 0.3445% | 5,699 |
| Noninterest expense to average assets | 3.0278% | 3,641 |
| Loan and lease loss provision to assets | 1.1319% | 1,150 |
| Net operating income to assets | -0.9998% | 7,255 |
| Return on assets (ROA) | -0.8470% | 7,186 |
| Pretax return on assets | -0.8444% | 7,063 |
| Return on Equity (ROE) | -9.5961% | 7,335 |
| Retained earnings to average equity (ytd only) | -9.5961% | 7,070 |
| Net charge-offs to loans | -0.3503% | 8,083 |
| Credit loss provision to net charge-offs | -502.2989% | 6,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7412% | 1,329 |
| Assets per employee ($millions) | 3.0228% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5474% | 727 |
| Loan loss allowance to noncurrent loans | 62.8199% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 4.9843% | 904 |
| Noncurrent loans to loans | 4.0551% | 1,479 |
| Net loans and leases to total assets | 62.1362% | 5,296 |
| Net loans and leases to deposits | 77.6440% | 4,983 |
| Net loans and leases to core deposits | 111.9054% | 3,228 |
| Total domestic deposits to total assets | 80.0270% | 5,358 |
| Equity capital to assets | 8.7965% | 5,630 |
| Core capital (leverage) ratio | 8.4924% | 5,552 |
| Tier 1 risk-based capital ratio | 13.7860% | 3,705 |
| Total risk-based capital ratio | 15.0526% | 3,618 |
| Memoranda: | ||
| Average total assets | $154,436,500 | 3,935 |
| Average earning assets | $142,231,000 | 3,911 |
| Average equity | $13,630,500 | 4,414 |
| Average total loans | $99,357,000 | 4,058 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3954% | 3,444 |
| Cost of funding earning assets | 2.9836% | 1,923 |
| Net interest margin | 3.4118% | 5,611 |
| Noninterest income to average assets | 0.3493% | 5,936 |
| Noninterest expense to average assets | 2.9333% | 4,325 |
| Loan and lease loss provision to assets | 1.6914% | 765 |
| Net operating income to assets | -1.1741% | 7,331 |
| Return on assets (ROA) | -1.0923% | 7,224 |
| Pretax return on assets | -1.0923% | 7,054 |
| Return on Equity (ROE) | -11.2603% | 7,366 |
| Retained earnings to average equity (ytd only) | -14.9004% | 7,450 |
| Net charge-offs to loans | 1.8596% | 589 |
| Credit loss provision to net charge-offs | 137.7388% | 3,866 |
| Earnings coverage of net charge-offs (x) | 0.4213% | 5,983 |
| Efficiency ratio | 85.0083% | 1,950 |
| Assets per employee ($millions) | 3.0335% | 5,974 |
| Cash dividends to net income (ytd only)* | -32.3273% | 8,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 1,279 |
| Loan loss allowance to noncurrent loans | 70.3375% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 3.7380% | 1,156 |
| Noncurrent loans to loans | 2.8033% | 1,938 |
| Net loans and leases to total assets | 63.6281% | 5,351 |
| Net loans and leases to deposits | 79.5550% | 5,122 |
| Net loans and leases to core deposits | 114.1957% | 3,319 |
| Total domestic deposits to total assets | 79.9800% | 5,033 |
| Equity capital to assets | 8.8553% | 5,557 |
| Core capital (leverage) ratio | 8.6456% | 5,292 |
| Tier 1 risk-based capital ratio | 13.9918% | 3,555 |
| Total risk-based capital ratio | 14.7821% | 3,701 |
| Memoranda: | ||
| Average total assets | $157,738,000 | 3,761 |
| Average earning assets | $143,384,000 | 3,775 |
| Average equity | $15,301,600 | 4,074 |
| Average total loans | $104,160,600 | 3,844 |