Home > Coastal Bank & Trust > Performance and Condition Ratios
Coastal Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2598% | 1,556 |
| Cost of funding earning assets | 0.8238% | 3,673 |
| Net interest margin | 4.4360% | 674 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.9918% | 1,133 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.1675% | 1,733 |
| Return on assets (ROA) | 1.1675% | 1,709 |
| Pretax return on assets | 1.4983% | 1,426 |
| Return on Equity (ROE) | 11.6400% | 2,053 |
| Retained earnings to average equity (ytd only) | 11.6438% | 677 |
| Net charge-offs to loans | -0.0006% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.1103% | 2,341 |
| Assets per employee ($millions) | 5.7174% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7780% | 4,010 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 77.0700% | 966 |
| Net loans and leases to deposits | 86.6073% | 1,568 |
| Net loans and leases to core deposits | 93.5352% | 1,801 |
| Total domestic deposits to total assets | 88.9900% | 1,067 |
| Equity capital to assets | 10.4146% | 1,773 |
| Core capital (leverage) ratio | 11.7190% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $209,170,200 | 2,922 |
| Average earning assets | $199,074,600 | 2,880 |
| Average equity | $20,972,600 | 2,776 |
| Average total loans | $160,010,800 | 2,601 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1444% | 1,551 |
| Cost of funding earning assets | 0.7389% | 3,678 |
| Net interest margin | 4.4056% | 694 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.8945% | 1,237 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.2294% | 1,702 |
| Return on assets (ROA) | 1.2294% | 1,701 |
| Pretax return on assets | 1.5866% | 1,389 |
| Return on Equity (ROE) | 12.3900% | 2,030 |
| Retained earnings to average equity (ytd only) | 12.3868% | 907 |
| Net charge-offs to loans | -0.0008% | 3,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.3440% | 2,454 |
| Assets per employee ($millions) | 5.9121% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 4,022 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 75.5200% | 1,172 |
| Net loans and leases to deposits | 84.1690% | 1,725 |
| Net loans and leases to core deposits | 89.7407% | 1,944 |
| Total domestic deposits to total assets | 89.7300% | 1,010 |
| Equity capital to assets | 9.8935% | 1,888 |
| Core capital (leverage) ratio | 11.5322% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $207,147,250 | 2,946 |
| Average earning assets | $197,049,000 | 2,896 |
| Average equity | $20,559,000 | 2,798 |
| Average total loans | $157,824,500 | 2,623 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0280% | 1,517 |
| Cost of funding earning assets | 0.6612% | 3,598 |
| Net interest margin | 4.3669% | 735 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.8628% | 1,296 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.2278% | 1,755 |
| Return on assets (ROA) | 1.2278% | 1,745 |
| Pretax return on assets | 1.5737% | 1,459 |
| Return on Equity (ROE) | 12.3600% | 2,053 |
| Retained earnings to average equity (ytd only) | 12.3572% | 919 |
| Net charge-offs to loans | -0.0013% | 3,469 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.1485% | 2,467 |
| Assets per employee ($millions) | 6.2217% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 4,060 |
| Loan loss allowance to noncurrent loans | 126,300.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,908 |
| Noncurrent loans to loans | 0.0006% | 3,841 |
| Net loans and leases to total assets | 73.6400% | 1,336 |
| Net loans and leases to deposits | 81.9353% | 1,833 |
| Net loans and leases to core deposits | 86.7560% | 2,016 |
| Total domestic deposits to total assets | 89.8800% | 957 |
| Equity capital to assets | 9.6881% | 2,038 |
| Core capital (leverage) ratio | 11.3591% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $205,251,000 | 2,967 |
| Average earning assets | $195,105,667 | 2,928 |
| Average equity | $20,393,000 | 2,827 |
| Average total loans | $156,431,667 | 2,627 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8285% | 1,558 |
| Cost of funding earning assets | 0.4913% | 3,718 |
| Net interest margin | 4.3371% | 761 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.9207% | 1,195 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.1417% | 2,094 |
| Return on assets (ROA) | 1.1417% | 2,061 |
| Pretax return on assets | 1.4714% | 1,728 |
| Return on Equity (ROE) | 11.3400% | 2,393 |
| Retained earnings to average equity (ytd only) | 11.3368% | 1,389 |
| Net charge-offs to loans | -0.0026% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.7764% | 2,232 |
| Assets per employee ($millions) | 5.7274% | 3,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 4,100 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 76.0400% | 968 |
| Net loans and leases to deposits | 84.9242% | 1,431 |
| Net loans and leases to core deposits | 90.4019% | 1,595 |
| Total domestic deposits to total assets | 89.5400% | 1,327 |
| Equity capital to assets | 10.0235% | 1,813 |
| Core capital (leverage) ratio | 11.8033% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $198,996,000 | 3,047 |
| Average earning assets | $188,880,000 | 3,004 |
| Average equity | $20,041,000 | 2,889 |
| Average total loans | $153,837,000 | 2,672 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0351% | 1,625 |
| Cost of funding earning assets | 0.1537% | 4,104 |
| Net interest margin | 3.8814% | 1,003 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.8093% | 1,298 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.8325% | 3,217 |
| Return on assets (ROA) | 0.8325% | 3,139 |
| Pretax return on assets | 1.1081% | 2,749 |
| Return on Equity (ROE) | 8.5000% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.9635% | 1,853 |
| Net charge-offs to loans | -0.0007% | 3,335 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.2850% | 1,787 |
| Assets per employee ($millions) | 5.1839% | 3,528 |
| Cash dividends to net income (ytd only)* | 6.3151% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 3,246 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 77.2100% | 874 |
| Net loans and leases to deposits | 86.2196% | 1,295 |
| Net loans and leases to core deposits | 90.4624% | 1,480 |
| Total domestic deposits to total assets | 89.5500% | 1,539 |
| Equity capital to assets | 10.1222% | 1,651 |
| Core capital (leverage) ratio | 11.2764% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $195,922,200 | 3,067 |
| Average earning assets | $186,710,800 | 3,027 |
| Average equity | $19,187,600 | 3,018 |
| Average total loans | $135,456,400 | 2,773 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7634% | 1,853 |
| Cost of funding earning assets | 0.1433% | 3,910 |
| Net interest margin | 3.6201% | 1,351 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.7438% | 1,368 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.7704% | 3,353 |
| Return on assets (ROA) | 0.7704% | 3,310 |
| Pretax return on assets | 0.9830% | 3,067 |
| Return on Equity (ROE) | 7.9300% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.9312% | 2,026 |
| Net charge-offs to loans | -0.0010% | 3,181 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.9255% | 1,522 |
| Assets per employee ($millions) | 6.2729% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 3,584 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 68.0000% | 1,678 |
| Net loans and leases to deposits | 74.7769% | 1,975 |
| Net loans and leases to core deposits | 78.3331% | 2,015 |
| Total domestic deposits to total assets | 90.9400% | 1,265 |
| Equity capital to assets | 8.7167% | 2,396 |
| Core capital (leverage) ratio | 10.0605% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $196,951,250 | 3,083 |
| Average earning assets | $187,910,750 | 3,031 |
| Average equity | $19,130,750 | 3,070 |
| Average total loans | $131,914,000 | 2,810 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5210% | 2,070 |
| Cost of funding earning assets | 0.1433% | 3,661 |
| Net interest margin | 3.3777% | 1,671 |
| Noninterest income to average assets | 0.3988% | 2,769 |
| Noninterest expense to average assets | 2.7138% | 1,357 |
| Loan and lease loss provision to assets | 0.0868% | 1,139 |
| Net operating income to assets | 0.6415% | 3,501 |
| Return on assets (ROA) | 0.6415% | 3,451 |
| Pretax return on assets | 0.8120% | 3,290 |
| Return on Equity (ROE) | 6.3715% | 3,479 |
| Retained earnings to average equity (ytd only) | 6.3715% | 2,216 |
| Net charge-offs to loans | -0.0016% | 3,084 |
| Credit loss provision to net charge-offs | -8,400.0000% | 3,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1215% | 1,376 |
| Assets per employee ($millions) | 5.9499% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 3,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 65.4745% | 1,761 |
| Net loans and leases to deposits | 72.0625% | 2,018 |
| Net loans and leases to core deposits | 75.6203% | 2,049 |
| Total domestic deposits to total assets | 90.8579% | 1,302 |
| Equity capital to assets | 8.8107% | 2,526 |
| Core capital (leverage) ratio | 10.3869% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,600,000 | 3,131 |
| Average earning assets | $184,210,333 | 3,110 |
| Average equity | $19,493,000 | 3,109 |
| Average total loans | $128,500,667 | 2,863 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4115% | 2,053 |
| Cost of funding earning assets | 0.1445% | 3,574 |
| Net interest margin | 3.2670% | 1,661 |
| Noninterest income to average assets | 0.4424% | 2,430 |
| Noninterest expense to average assets | 2.7422% | 1,270 |
| Loan and lease loss provision to assets | 0.0623% | 1,298 |
| Net operating income to assets | 0.5905% | 3,424 |
| Return on assets (ROA) | 0.5905% | 3,405 |
| Pretax return on assets | 0.7451% | 3,262 |
| Return on Equity (ROE) | 5.4820% | 3,490 |
| Retained earnings to average equity (ytd only) | 5.4820% | 2,420 |
| Net charge-offs to loans | -0.0032% | 3,211 |
| Credit loss provision to net charge-offs | -2,900.0000% | 3,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2535% | 1,378 |
| Assets per employee ($millions) | 6.0129% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.0622% | 1,610 |
| Net loans and leases to deposits | 71.2929% | 1,833 |
| Net loans and leases to core deposits | 75.0328% | 1,849 |
| Total domestic deposits to total assets | 89.8577% | 1,654 |
| Equity capital to assets | 9.7538% | 2,085 |
| Core capital (leverage) ratio | 11.6037% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,277,000 | 3,195 |
| Average earning assets | $177,164,500 | 3,166 |
| Average equity | $20,065,500 | 3,140 |
| Average total loans | $123,904,500 | 2,910 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 1,068 |
| Cost of funding earning assets | 0.1710% | 3,769 |
| Net interest margin | 3.9867% | 733 |
| Noninterest income to average assets | 0.4420% | 2,847 |
| Noninterest expense to average assets | 3.0952% | 843 |
| Loan and lease loss provision to assets | 0.1058% | 1,192 |
| Net operating income to assets | 0.7986% | 3,335 |
| Return on assets (ROA) | 0.8500% | 3,256 |
| Pretax return on assets | 1.0767% | 3,042 |
| Return on Equity (ROE) | 6.9179% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.5369% | 2,107 |
| Net charge-offs to loans | 0.0140% | 2,043 |
| Credit loss provision to net charge-offs | 1,087.5000% | 502 |
| Earnings coverage of net charge-offs (x) | 114.8750% | 814 |
| Efficiency ratio | 73.4738% | 1,367 |
| Assets per employee ($millions) | 5.1214% | 3,626 |
| Cash dividends to net income (ytd only)* | 5.5079% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 3,545 |
| Loan loss allowance to noncurrent loans | 3,600.0000% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 3,934 |
| Noncurrent loans to loans | 0.0293% | 3,865 |
| Net loans and leases to total assets | 67.8484% | 1,285 |
| Net loans and leases to deposits | 77.4393% | 1,453 |
| Net loans and leases to core deposits | 82.3486% | 1,440 |
| Total domestic deposits to total assets | 87.6149% | 2,235 |
| Equity capital to assets | 11.9320% | 1,279 |
| Core capital (leverage) ratio | 11.9946% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,478,400 | 3,351 |
| Average earning assets | $155,565,600 | 3,321 |
| Average equity | $20,208,400 | 3,199 |
| Average total loans | $114,229,400 | 3,007 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 1,200 |
| Cost of funding earning assets | 0.1758% | 3,862 |
| Net interest margin | 3.9692% | 835 |
| Noninterest income to average assets | 0.4122% | 3,020 |
| Noninterest expense to average assets | 3.1180% | 793 |
| Loan and lease loss provision to assets | 0.1061% | 1,140 |
| Net operating income to assets | 0.7330% | 3,691 |
| Return on assets (ROA) | 0.8260% | 3,521 |
| Pretax return on assets | 1.0580% | 3,305 |
| Return on Equity (ROE) | 6.6711% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.6711% | 2,545 |
| Net charge-offs to loans | 0.0189% | 1,678 |
| Credit loss provision to net charge-offs | 806.2500% | 589 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 988 |
| Efficiency ratio | 74.8716% | 1,142 |
| Assets per employee ($millions) | 5.1148% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 3,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 67.1340% | 1,414 |
| Net loans and leases to deposits | 76.8499% | 1,592 |
| Net loans and leases to core deposits | 81.7346% | 1,593 |
| Total domestic deposits to total assets | 87.3573% | 2,183 |
| Equity capital to assets | 11.8273% | 1,479 |
| Core capital (leverage) ratio | 11.7270% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,066,000 | 3,411 |
| Average earning assets | $153,210,500 | 3,378 |
| Average equity | $20,066,250 | 3,247 |
| Average total loans | $112,936,000 | 3,070 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6664% | 2,424 |
| Cost of funding earning assets | 0.1835% | 3,918 |
| Net interest margin | 3.4829% | 1,906 |
| Noninterest income to average assets | 0.4085% | 3,064 |
| Noninterest expense to average assets | 3.1596% | 769 |
| Loan and lease loss provision to assets | 0.0759% | 1,569 |
| Net operating income to assets | 0.3619% | 4,450 |
| Return on assets (ROA) | 0.4718% | 4,318 |
| Pretax return on assets | 0.6021% | 4,236 |
| Return on Equity (ROE) | 3.7489% | 4,372 |
| Retained earnings to average equity (ytd only) | 3.7489% | 3,603 |
| Net charge-offs to loans | 0.0288% | 1,377 |
| Credit loss provision to net charge-offs | 375.0000% | 785 |
| Earnings coverage of net charge-offs (x) | 26.6250% | 1,381 |
| Efficiency ratio | 85.4309% | 500 |
| Assets per employee ($millions) | 5.2875% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 3,887 |
| Loan loss allowance to noncurrent loans | 996.5217% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 3,774 |
| Noncurrent loans to loans | 0.0983% | 3,692 |
| Net loans and leases to total assets | 66.4002% | 1,649 |
| Net loans and leases to deposits | 75.7861% | 1,843 |
| Net loans and leases to core deposits | 80.5502% | 1,841 |
| Total domestic deposits to total assets | 87.6153% | 2,033 |
| Equity capital to assets | 11.4832% | 1,641 |
| Core capital (leverage) ratio | 11.8734% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4192% | 1,497 |
| Memoranda: | ||
| Average total assets | $158,120,333 | 3,449 |
| Average earning assets | $149,358,333 | 3,428 |
| Average equity | $19,899,000 | 3,253 |
| Average total loans | $111,260,333 | 3,113 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8048% | 2,091 |
| Cost of funding earning assets | 0.2037% | 3,876 |
| Net interest margin | 3.6011% | 1,582 |
| Noninterest income to average assets | 0.4509% | 2,823 |
| Noninterest expense to average assets | 3.3054% | 602 |
| Loan and lease loss provision to assets | 0.1467% | 895 |
| Net operating income to assets | 0.3009% | 4,518 |
| Return on assets (ROA) | 0.5096% | 4,194 |
| Pretax return on assets | 0.6589% | 4,098 |
| Return on Equity (ROE) | 3.8527% | 4,313 |
| Retained earnings to average equity (ytd only) | 3.8527% | 3,545 |
| Net charge-offs to loans | -0.0037% | 3,283 |
| Credit loss provision to net charge-offs | -5,500.0000% | 3,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9223% | 513 |
| Assets per employee ($millions) | 4.6329% | 3,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 3,720 |
| Loan loss allowance to noncurrent loans | 904.6875% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 3,803 |
| Noncurrent loans to loans | 0.1140% | 3,735 |
| Net loans and leases to total assets | 70.5689% | 1,210 |
| Net loans and leases to deposits | 81.2404% | 1,403 |
| Net loans and leases to core deposits | 86.9754% | 1,457 |
| Total domestic deposits to total assets | 86.8643% | 2,362 |
| Equity capital to assets | 12.5085% | 1,080 |
| Core capital (leverage) ratio | 13.1615% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,936,000 | 3,532 |
| Average earning assets | $141,401,500 | 3,499 |
| Average equity | $19,830,000 | 3,252 |
| Average total loans | $108,387,000 | 3,152 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5416% | 1,211 |
| Cost of funding earning assets | 0.3039% | 4,118 |
| Net interest margin | 4.2377% | 581 |
| Noninterest income to average assets | 0.4329% | 2,943 |
| Noninterest expense to average assets | 3.5238% | 673 |
| Loan and lease loss provision to assets | 0.0517% | 3,732 |
| Net operating income to assets | 0.6456% | 3,610 |
| Return on assets (ROA) | 0.8018% | 3,203 |
| Pretax return on assets | 1.0331% | 2,934 |
| Return on Equity (ROE) | 5.4335% | 3,770 |
| Retained earnings to average equity (ytd only) | 5.4335% | 2,074 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8896% | 902 |
| Assets per employee ($millions) | 4.1869% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,661 |
| Loan loss allowance to noncurrent loans | 1,069.9029% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,973 |
| Noncurrent loans to loans | 0.0986% | 3,902 |
| Net loans and leases to total assets | 72.6044% | 1,209 |
| Net loans and leases to deposits | 85.0394% | 1,348 |
| Net loans and leases to core deposits | 91.2837% | 1,440 |
| Total domestic deposits to total assets | 85.3774% | 2,622 |
| Equity capital to assets | 14.0192% | 790 |
| Core capital (leverage) ratio | 13.4430% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1306% | 884 |
| Memoranda: | ||
| Average total assets | $131,447,800 | 3,609 |
| Average earning assets | $123,392,600 | 3,591 |
| Average equity | $19,398,200 | 3,244 |
| Average total loans | $96,108,000 | 3,295 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 1,079 |
| Cost of funding earning assets | 0.3250% | 4,190 |
| Net interest margin | 4.3704% | 496 |
| Noninterest income to average assets | 0.4278% | 2,946 |
| Noninterest expense to average assets | 3.6264% | 597 |
| Loan and lease loss provision to assets | 0.0707% | 3,443 |
| Net operating income to assets | 0.6358% | 3,680 |
| Return on assets (ROA) | 0.8338% | 3,095 |
| Pretax return on assets | 1.0772% | 2,820 |
| Return on Equity (ROE) | 5.5732% | 3,698 |
| Retained earnings to average equity (ytd only) | 5.5732% | 2,294 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1695% | 858 |
| Assets per employee ($millions) | 4.6315% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 3,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 72.8517% | 1,528 |
| Net loans and leases to deposits | 85.3403% | 1,772 |
| Net loans and leases to core deposits | 91.5447% | 1,837 |
| Total domestic deposits to total assets | 85.3661% | 2,291 |
| Equity capital to assets | 13.8413% | 900 |
| Core capital (leverage) ratio | 13.2679% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,721,000 | 3,629 |
| Average earning assets | $120,626,500 | 3,611 |
| Average equity | $19,258,500 | 3,253 |
| Average total loans | $94,020,500 | 3,348 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0627% | 737 |
| Cost of funding earning assets | 0.3543% | 4,251 |
| Net interest margin | 4.7084% | 332 |
| Noninterest income to average assets | 0.4040% | 3,051 |
| Noninterest expense to average assets | 3.7247% | 553 |
| Loan and lease loss provision to assets | 0.0695% | 3,421 |
| Net operating income to assets | 0.7763% | 3,129 |
| Return on assets (ROA) | 1.0035% | 2,438 |
| Pretax return on assets | 1.2992% | 2,032 |
| Return on Equity (ROE) | 6.5184% | 3,327 |
| Retained earnings to average equity (ytd only) | 6.5184% | 1,853 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5050% | 1,103 |
| Assets per employee ($millions) | 4.1744% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 3,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 71.7681% | 1,759 |
| Net loans and leases to deposits | 84.0546% | 1,995 |
| Net loans and leases to core deposits | 90.2229% | 2,060 |
| Total domestic deposits to total assets | 85.3827% | 2,245 |
| Equity capital to assets | 13.8859% | 880 |
| Core capital (leverage) ratio | 14.5079% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1257% | 890 |
| Memoranda: | ||
| Average total assets | $123,768,667 | 3,678 |
| Average earning assets | $115,708,333 | 3,653 |
| Average equity | $19,053,667 | 3,263 |
| Average total loans | $90,127,000 | 3,412 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6318% | 1,904 |
| Cost of funding earning assets | 0.4075% | 4,339 |
| Net interest margin | 4.2244% | 874 |
| Noninterest income to average assets | 0.4499% | 2,787 |
| Noninterest expense to average assets | 3.9690% | 527 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3730% | 4,190 |
| Return on assets (ROA) | 0.5511% | 3,799 |
| Pretax return on assets | 0.6243% | 3,880 |
| Return on Equity (ROE) | 3.3749% | 4,123 |
| Retained earnings to average equity (ytd only) | 3.3749% | 2,929 |
| Net charge-offs to loans | -0.0048% | 3,858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3892% | 484 |
| Assets per employee ($millions) | 3.6728% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 69.4081% | 2,334 |
| Net loans and leases to deposits | 83.3877% | 2,296 |
| Net loans and leases to core deposits | 91.5338% | 2,207 |
| Total domestic deposits to total assets | 83.2355% | 3,032 |
| Equity capital to assets | 16.0651% | 573 |
| Core capital (leverage) ratio | 16.1697% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,689,000 | 3,781 |
| Average earning assets | $106,998,500 | 3,770 |
| Average equity | $18,726,500 | 3,298 |
| Average total loans | $83,722,500 | 3,522 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6064% | 2,582 |
| Cost of funding earning assets | 0.3819% | 4,503 |
| Net interest margin | 4.2245% | 1,269 |
| Noninterest income to average assets | 0.4509% | 3,001 |
| Noninterest expense to average assets | 3.5505% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6785% | 3,928 |
| Return on assets (ROA) | 0.6785% | 4,000 |
| Pretax return on assets | 0.8532% | 3,868 |
| Return on Equity (ROE) | 4.2379% | 4,408 |
| Retained earnings to average equity (ytd only) | 4.2379% | 2,837 |
| Net charge-offs to loans | 0.0263% | 2,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 48.3500% | 1,151 |
| Efficiency ratio | 80.6251% | 893 |
| Assets per employee ($millions) | 3.6081% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 2,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.9236% | 1,601 |
| Net loans and leases to deposits | 90.7184% | 1,513 |
| Net loans and leases to core deposits | 99.7156% | 1,587 |
| Total domestic deposits to total assets | 82.5892% | 3,334 |
| Equity capital to assets | 16.6044% | 516 |
| Core capital (leverage) ratio | 16.3523% | 481 |
| Tier 1 risk-based capital ratio | 20.1207% | 1,311 |
| Total risk-based capital ratio | 21.2677% | 1,297 |
| Memoranda: | ||
| Average total assets | $113,336,400 | 3,784 |
| Average earning assets | $106,048,000 | 3,777 |
| Average equity | $18,145,600 | 3,324 |
| Average total loans | $75,971,200 | 3,667 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5485% | 2,898 |
| Cost of funding earning assets | 0.3780% | 4,570 |
| Net interest margin | 4.1705% | 1,447 |
| Noninterest income to average assets | 0.4479% | 3,032 |
| Noninterest expense to average assets | 3.4731% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6918% | 4,038 |
| Return on assets (ROA) | 0.6918% | 4,097 |
| Pretax return on assets | 0.8818% | 3,936 |
| Return on Equity (ROE) | 4.3608% | 4,518 |
| Retained earnings to average equity (ytd only) | 4.3608% | 3,217 |
| Net charge-offs to loans | 0.0380% | 2,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 35.8086% | 1,458 |
| Efficiency ratio | 79.7523% | 943 |
| Assets per employee ($millions) | 3.9034% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 1,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 67.8498% | 2,808 |
| Net loans and leases to deposits | 81.5246% | 2,741 |
| Net loans and leases to core deposits | 89.5206% | 2,585 |
| Total domestic deposits to total assets | 83.2261% | 3,089 |
| Equity capital to assets | 16.3012% | 585 |
| Core capital (leverage) ratio | 15.6745% | 611 |
| Tier 1 risk-based capital ratio | 21.6172% | 1,120 |
| Total risk-based capital ratio | 22.8694% | 1,096 |
| Memoranda: | ||
| Average total assets | $113,708,000 | 3,822 |
| Average earning assets | $106,522,250 | 3,812 |
| Average equity | $18,039,000 | 3,355 |
| Average total loans | $73,755,000 | 3,743 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 3,444 |
| Cost of funding earning assets | 0.3766% | 4,594 |
| Net interest margin | 3.9867% | 1,961 |
| Noninterest income to average assets | 0.4408% | 3,010 |
| Noninterest expense to average assets | 3.3720% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6340% | 4,212 |
| Return on assets (ROA) | 0.6340% | 4,258 |
| Pretax return on assets | 0.8061% | 4,074 |
| Return on Equity (ROE) | 4.0333% | 4,576 |
| Retained earnings to average equity (ytd only) | 4.0333% | 3,230 |
| Net charge-offs to loans | 0.0663% | 1,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 19.1250% | 1,830 |
| Efficiency ratio | 80.7062% | 908 |
| Assets per employee ($millions) | 4.2581% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 1,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 3,734 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 63.6485% | 3,378 |
| Net loans and leases to deposits | 75.9237% | 3,344 |
| Net loans and leases to core deposits | 82.9077% | 3,204 |
| Total domestic deposits to total assets | 83.8322% | 2,938 |
| Equity capital to assets | 15.8425% | 638 |
| Core capital (leverage) ratio | 15.7385% | 581 |
| Tier 1 risk-based capital ratio | 22.1523% | 1,037 |
| Total risk-based capital ratio | 23.4069% | 1,015 |
| Memoranda: | ||
| Average total assets | $113,877,330 | 3,845 |
| Average earning assets | $106,753,670 | 3,828 |
| Average equity | $17,901,000 | 3,366 |
| Average total loans | $72,393,670 | 3,790 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 3,743 |
| Cost of funding earning assets | 0.3759% | 4,585 |
| Net interest margin | 3.8647% | 2,295 |
| Noninterest income to average assets | 0.4129% | 3,090 |
| Noninterest expense to average assets | 3.2330% | 1,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6388% | 4,125 |
| Return on assets (ROA) | 0.6388% | 4,163 |
| Pretax return on assets | 0.8082% | 4,019 |
| Return on Equity (ROE) | 4.0801% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.0801% | 3,285 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,065 |
| Assets per employee ($millions) | 4.0345% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 1,430 |
| Loan loss allowance to noncurrent loans | 1,673.0159% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 4,553 |
| Noncurrent loans to loans | 0.0879% | 4,354 |
| Net loans and leases to total assets | 60.3231% | 3,670 |
| Net loans and leases to deposits | 71.4482% | 3,649 |
| Net loans and leases to core deposits | 77.1884% | 3,583 |
| Total domestic deposits to total assets | 84.4291% | 2,881 |
| Equity capital to assets | 15.2778% | 693 |
| Core capital (leverage) ratio | 15.8236% | 558 |
| Tier 1 risk-based capital ratio | 23.2117% | 914 |
| Total risk-based capital ratio | 24.4678% | 893 |
| Memoranda: | ||
| Average total assets | $113,331,500 | 3,890 |
| Average earning assets | $106,399,000 | 3,874 |
| Average equity | $17,744,500 | 3,380 |
| Average total loans | $71,487,500 | 3,845 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 2,848 |
| Cost of funding earning assets | 0.3223% | 4,453 |
| Net interest margin | 4.0522% | 1,816 |
| Noninterest income to average assets | 0.3521% | 3,747 |
| Noninterest expense to average assets | 3.4686% | 1,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5603% | 4,522 |
| Return on assets (ROA) | 0.5603% | 4,524 |
| Pretax return on assets | 0.7363% | 4,324 |
| Return on Equity (ROE) | 3.6499% | 4,785 |
| Retained earnings to average equity (ytd only) | 3.6499% | 3,571 |
| Net charge-offs to loans | 0.0069% | 3,442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 151.4000% | 558 |
| Efficiency ratio | 82.4890% | 750 |
| Assets per employee ($millions) | 4.3865% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 1,362 |
| Loan loss allowance to noncurrent loans | 11,711.1111% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,870 |
| Noncurrent loans to loans | 0.0126% | 4,745 |
| Net loans and leases to total assets | 64.0955% | 3,350 |
| Net loans and leases to deposits | 76.6627% | 3,304 |
| Net loans and leases to core deposits | 84.0808% | 3,085 |
| Total domestic deposits to total assets | 83.6071% | 3,123 |
| Equity capital to assets | 16.0619% | 526 |
| Core capital (leverage) ratio | 15.9875% | 512 |
| Tier 1 risk-based capital ratio | 23.1936% | 897 |
| Total risk-based capital ratio | 24.4472% | 870 |
| Memoranda: | ||
| Average total assets | $102,807,600 | 4,056 |
| Average earning assets | $97,748,200 | 4,010 |
| Average equity | $15,781,400 | 3,534 |
| Average total loans | $72,913,000 | 3,812 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3509% | 2,791 |
| Cost of funding earning assets | 0.3178% | 4,391 |
| Net interest margin | 4.0331% | 1,847 |
| Noninterest income to average assets | 0.3495% | 3,798 |
| Noninterest expense to average assets | 3.4489% | 1,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5711% | 4,586 |
| Return on assets (ROA) | 0.5711% | 4,587 |
| Pretax return on assets | 0.7504% | 4,427 |
| Return on Equity (ROE) | 3.7676% | 4,873 |
| Retained earnings to average equity (ytd only) | 3.7676% | 3,894 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1294% | 767 |
| Assets per employee ($millions) | 4.7082% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 1,484 |
| Loan loss allowance to noncurrent loans | 26,475.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.4113% | 3,049 |
| Noncurrent loans to loans | 0.0055% | 4,915 |
| Net loans and leases to total assets | 68.9139% | 2,808 |
| Net loans and leases to deposits | 83.2635% | 2,680 |
| Net loans and leases to core deposits | 90.9868% | 2,565 |
| Total domestic deposits to total assets | 82.7660% | 3,384 |
| Equity capital to assets | 16.7175% | 440 |
| Core capital (leverage) ratio | 15.6517% | 574 |
| Tier 1 risk-based capital ratio | 23.4479% | 898 |
| Total risk-based capital ratio | 24.7038% | 877 |
| Memoranda: | ||
| Average total assets | $101,093,750 | 4,126 |
| Average earning assets | $96,498,000 | 4,069 |
| Average equity | $15,323,250 | 3,623 |
| Average total loans | $73,305,500 | 3,842 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2820% | 2,828 |
| Cost of funding earning assets | 0.3045% | 4,384 |
| Net interest margin | 3.9775% | 1,932 |
| Noninterest income to average assets | 0.4289% | 3,301 |
| Noninterest expense to average assets | 3.4349% | 1,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5944% | 4,509 |
| Return on assets (ROA) | 0.5944% | 4,513 |
| Pretax return on assets | 0.7979% | 4,252 |
| Return on Equity (ROE) | 4.0658% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.0658% | 3,575 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1499% | 904 |
| Assets per employee ($millions) | 4.5121% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 1,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 2,923 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 67.0533% | 3,004 |
| Net loans and leases to deposits | 80.1492% | 2,927 |
| Net loans and leases to core deposits | 85.8491% | 2,938 |
| Total domestic deposits to total assets | 83.6605% | 3,192 |
| Equity capital to assets | 15.9184% | 512 |
| Core capital (leverage) ratio | 16.5210% | 446 |
| Tier 1 risk-based capital ratio | 22.8003% | 954 |
| Total risk-based capital ratio | 24.0557% | 936 |
| Memoranda: | ||
| Average total assets | $100,265,000 | 4,171 |
| Average earning assets | $95,890,330 | 4,115 |
| Average equity | $14,659,000 | 3,725 |
| Average total loans | $73,594,000 | 3,854 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 2,503 |
| Cost of funding earning assets | 0.3126% | 4,251 |
| Net interest margin | 3.9895% | 1,760 |
| Noninterest income to average assets | 0.5901% | 2,317 |
| Noninterest expense to average assets | 3.5158% | 975 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6774% | 4,181 |
| Return on assets (ROA) | 0.6774% | 4,184 |
| Pretax return on assets | 0.8935% | 3,872 |
| Return on Equity (ROE) | 4.8768% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.8768% | 3,234 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7361% | 1,171 |
| Assets per employee ($millions) | 4.0693% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 1,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 2,777 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 73.8660% | 1,875 |
| Net loans and leases to deposits | 89.8492% | 1,707 |
| Net loans and leases to core deposits | 97.4430% | 1,872 |
| Total domestic deposits to total assets | 82.2111% | 3,897 |
| Equity capital to assets | 17.5186% | 354 |
| Core capital (leverage) ratio | 16.8910% | 396 |
| Tier 1 risk-based capital ratio | 22.6117% | 980 |
| Total risk-based capital ratio | 23.8668% | 960 |
| Memoranda: | ||
| Average total assets | $96,252,500 | 4,285 |
| Average earning assets | $92,141,500 | 4,229 |
| Average equity | $13,369,500 | 3,920 |
| Average total loans | $73,555,500 | 3,890 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 2,085 |
| Cost of funding earning assets | 0.3264% | 3,908 |
| Net interest margin | 4.0516% | 1,586 |
| Noninterest income to average assets | 0.8188% | 1,506 |
| Noninterest expense to average assets | 3.7810% | 707 |
| Loan and lease loss provision to assets | 0.0651% | 2,907 |
| Net operating income to assets | 1.7782% | 448 |
| Return on assets (ROA) | 1.7782% | 458 |
| Pretax return on assets | 0.8691% | 4,019 |
| Return on Equity (ROE) | 19.9915% | 195 |
| Retained earnings to average equity (ytd only) | 19.9915% | 41 |
| Net charge-offs to loans | 0.0675% | 2,496 |
| Credit loss provision to net charge-offs | 121.5686% | 2,150 |
| Earnings coverage of net charge-offs (x) | 17.4510% | 2,126 |
| Efficiency ratio | 80.1870% | 1,085 |
| Assets per employee ($millions) | 4.3110% | 3,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 2,758 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 76.8154% | 1,459 |
| Net loans and leases to deposits | 85.7015% | 2,300 |
| Net loans and leases to core deposits | 90.7036% | 2,489 |
| Total domestic deposits to total assets | 89.6313% | 714 |
| Equity capital to assets | 10.1536% | 3,534 |
| Core capital (leverage) ratio | 9.2474% | 4,351 |
| Tier 1 risk-based capital ratio | 12.0940% | 4,467 |
| Total risk-based capital ratio | 13.3481% | 4,358 |
| Memoranda: | ||
| Average total assets | $95,266,200 | 4,324 |
| Average earning assets | $91,617,600 | 4,255 |
| Average equity | $8,473,600 | 4,707 |
| Average total loans | $75,584,000 | 3,829 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3430% | 2,130 |
| Cost of funding earning assets | 0.3211% | 3,926 |
| Net interest margin | 4.0219% | 1,625 |
| Noninterest income to average assets | 0.8332% | 1,464 |
| Noninterest expense to average assets | 3.7830% | 690 |
| Loan and lease loss provision to assets | 0.0867% | 2,355 |
| Net operating income to assets | 0.8332% | 3,372 |
| Return on assets (ROA) | 0.8332% | 3,406 |
| Pretax return on assets | 0.8332% | 4,259 |
| Return on Equity (ROE) | 9.7092% | 2,253 |
| Retained earnings to average equity (ytd only) | 9.7092% | 650 |
| Net charge-offs to loans | 0.0895% | 1,904 |
| Credit loss provision to net charge-offs | 121.5686% | 1,989 |
| Earnings coverage of net charge-offs (x) | 12.9016% | 2,392 |
| Efficiency ratio | 80.4400% | 1,055 |
| Assets per employee ($millions) | 4.2600% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 1,956 |
| Loan loss allowance to noncurrent loans | 1,203.4091% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 2,676 |
| Noncurrent loans to loans | 0.1150% | 4,598 |
| Net loans and leases to total assets | 77.0094% | 1,418 |
| Net loans and leases to deposits | 84.5232% | 2,489 |
| Net loans and leases to core deposits | 88.6796% | 2,713 |
| Total domestic deposits to total assets | 91.1103% | 160 |
| Equity capital to assets | 8.7080% | 5,140 |
| Core capital (leverage) ratio | 8.7978% | 4,971 |
| Tier 1 risk-based capital ratio | 11.4601% | 4,982 |
| Total risk-based capital ratio | 12.7118% | 4,873 |
| Memoranda: | ||
| Average total assets | $95,372,000 | 4,364 |
| Average earning assets | $91,761,250 | 4,290 |
| Average equity | $8,184,500 | 4,805 |
| Average total loans | $76,001,750 | 3,859 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 2,128 |
| Cost of funding earning assets | 0.3211% | 3,870 |
| Net interest margin | 3.9783% | 1,681 |
| Noninterest income to average assets | 0.8613% | 1,389 |
| Noninterest expense to average assets | 3.8136% | 656 |
| Loan and lease loss provision to assets | 0.1164% | 1,764 |
| Net operating income to assets | 0.7598% | 3,591 |
| Return on assets (ROA) | 0.7598% | 3,642 |
| Pretax return on assets | 0.7598% | 4,406 |
| Return on Equity (ROE) | 8.8986% | 2,556 |
| Retained earnings to average equity (ytd only) | 8.8986% | 873 |
| Net charge-offs to loans | 0.1371% | 1,335 |
| Credit loss provision to net charge-offs | 105.7692% | 1,942 |
| Earnings coverage of net charge-offs (x) | 7.9615% | 2,554 |
| Efficiency ratio | 81.3177% | 1,073 |
| Assets per employee ($millions) | 4.1027% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 2,275 |
| Loan loss allowance to noncurrent loans | 1,167.7778% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.6347% | 2,655 |
| Noncurrent loans to loans | 0.1139% | 4,665 |
| Net loans and leases to total assets | 79.2147% | 1,062 |
| Net loans and leases to deposits | 86.6500% | 2,149 |
| Net loans and leases to core deposits | 90.8708% | 2,446 |
| Total domestic deposits to total assets | 91.4192% | 140 |
| Equity capital to assets | 8.4386% | 5,339 |
| Core capital (leverage) ratio | 8.7624% | 4,993 |
| Tier 1 risk-based capital ratio | 10.7293% | 5,368 |
| Total risk-based capital ratio | 11.9802% | 5,297 |
| Memoranda: | ||
| Average total assets | $94,503,000 | 4,403 |
| Average earning assets | $90,943,670 | 4,332 |
| Average equity | $8,068,670 | 4,849 |
| Average total loans | $75,831,670 | 3,888 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 2,023 |
| Cost of funding earning assets | 0.3322% | 3,731 |
| Net interest margin | 3.9456% | 1,617 |
| Noninterest income to average assets | 0.8560% | 1,379 |
| Noninterest expense to average assets | 3.7915% | 686 |
| Loan and lease loss provision to assets | 0.1297% | 1,482 |
| Net operating income to assets | 0.7350% | 3,534 |
| Return on assets (ROA) | 0.7350% | 3,587 |
| Pretax return on assets | 0.7350% | 4,331 |
| Return on Equity (ROE) | 8.5551% | 2,646 |
| Retained earnings to average equity (ytd only) | 8.5551% | 1,255 |
| Net charge-offs to loans | 0.3233% | 575 |
| Credit loss provision to net charge-offs | 50.0000% | 1,981 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 2,495 |
| Efficiency ratio | 81.4299% | 1,213 |
| Assets per employee ($millions) | 3.9045% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 2,216 |
| Loan loss allowance to noncurrent loans | 1,106.5217% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.6691% | 2,624 |
| Noncurrent loans to loans | 0.1237% | 4,691 |
| Net loans and leases to total assets | 78.3004% | 1,086 |
| Net loans and leases to deposits | 85.8284% | 2,048 |
| Net loans and leases to core deposits | 89.9565% | 2,350 |
| Total domestic deposits to total assets | 91.2290% | 235 |
| Equity capital to assets | 8.5778% | 5,180 |
| Core capital (leverage) ratio | 8.8611% | 4,891 |
| Tier 1 risk-based capital ratio | 10.9219% | 5,348 |
| Total risk-based capital ratio | 12.1740% | 5,269 |
| Memoranda: | ||
| Average total assets | $92,522,500 | 4,491 |
| Average earning assets | $89,111,000 | 4,418 |
| Average equity | $7,948,500 | 4,909 |
| Average total loans | $74,223,000 | 3,948 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 2,335 |
| Cost of funding earning assets | 0.4199% | 2,809 |
| Net interest margin | 3.8246% | 2,232 |
| Noninterest income to average assets | 0.6334% | 2,485 |
| Noninterest expense to average assets | 3.7861% | 788 |
| Loan and lease loss provision to assets | 0.0334% | 3,692 |
| Net operating income to assets | 0.4542% | 4,783 |
| Return on assets (ROA) | 0.4531% | 4,867 |
| Pretax return on assets | 0.4531% | 5,114 |
| Return on Equity (ROE) | 5.2287% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.2287% | 2,184 |
| Net charge-offs to loans | 0.1503% | 1,761 |
| Credit loss provision to net charge-offs | 28.3019% | 3,608 |
| Earnings coverage of net charge-offs (x) | 4.1321% | 3,548 |
| Efficiency ratio | 88.5908% | 634 |
| Assets per employee ($millions) | 3.9712% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 2,015 |
| Loan loss allowance to noncurrent loans | 852.0325% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.7204% | 2,571 |
| Noncurrent loans to loans | 0.1661% | 4,567 |
| Net loans and leases to total assets | 79.9306% | 903 |
| Net loans and leases to deposits | 87.6361% | 1,967 |
| Net loans and leases to core deposits | 91.8928% | 2,310 |
| Total domestic deposits to total assets | 91.2074% | 222 |
| Equity capital to assets | 8.6043% | 5,189 |
| Core capital (leverage) ratio | 8.5326% | 5,231 |
| Tier 1 risk-based capital ratio | 10.9001% | 5,392 |
| Total risk-based capital ratio | 12.1516% | 5,280 |
| Memoranda: | ||
| Average total assets | $89,828,600 | 4,546 |
| Average earning assets | $85,499,600 | 4,485 |
| Average equity | $7,784,000 | 4,967 |
| Average total loans | $70,537,800 | 4,033 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 2,490 |
| Cost of funding earning assets | 0.4374% | 2,667 |
| Net interest margin | 3.7680% | 2,459 |
| Noninterest income to average assets | 0.6707% | 2,307 |
| Noninterest expense to average assets | 3.8009% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4397% | 4,902 |
| Return on assets (ROA) | 0.4382% | 4,993 |
| Pretax return on assets | 0.4382% | 5,243 |
| Return on Equity (ROE) | 5.0480% | 4,496 |
| Retained earnings to average equity (ytd only) | 5.0480% | 2,792 |
| Net charge-offs to loans | 0.2029% | 1,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.7830% | 3,524 |
| Efficiency ratio | 89.6309% | 583 |
| Assets per employee ($millions) | 3.8740% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 2,051 |
| Loan loss allowance to noncurrent loans | 1,018.0000% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 2,793 |
| Noncurrent loans to loans | 0.1407% | 4,779 |
| Net loans and leases to total assets | 72.3173% | 2,142 |
| Net loans and leases to deposits | 78.9494% | 3,085 |
| Net loans and leases to core deposits | 83.3185% | 3,188 |
| Total domestic deposits to total assets | 91.5995% | 110 |
| Equity capital to assets | 8.2044% | 5,671 |
| Core capital (leverage) ratio | 8.2023% | 5,578 |
| Tier 1 risk-based capital ratio | 11.0666% | 5,344 |
| Total risk-based capital ratio | 12.3206% | 5,236 |
| Memoranda: | ||
| Average total assets | $89,451,250 | 4,590 |
| Average earning assets | $84,746,000 | 4,536 |
| Average equity | $7,765,250 | 5,020 |
| Average total loans | $69,658,500 | 4,083 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2485% | 2,340 |
| Cost of funding earning assets | 0.4496% | 2,571 |
| Net interest margin | 3.7989% | 2,320 |
| Noninterest income to average assets | 0.6415% | 2,409 |
| Noninterest expense to average assets | 3.9110% | 669 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3242% | 5,253 |
| Return on assets (ROA) | 0.3242% | 5,337 |
| Pretax return on assets | 0.3242% | 5,462 |
| Return on Equity (ROE) | 3.6600% | 5,032 |
| Retained earnings to average equity (ytd only) | 3.6600% | 3,562 |
| Net charge-offs to loans | 0.3064% | 776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.3302% | 3,424 |
| Efficiency ratio | 92.3453% | 482 |
| Assets per employee ($millions) | 4.1186% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 2,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 3,101 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 73.7765% | 1,885 |
| Net loans and leases to deposits | 80.5502% | 2,868 |
| Net loans and leases to core deposits | 85.1025% | 2,974 |
| Total domestic deposits to total assets | 91.5907% | 118 |
| Equity capital to assets | 8.2299% | 5,724 |
| Core capital (leverage) ratio | 8.6051% | 5,261 |
| Tier 1 risk-based capital ratio | 10.1792% | 5,798 |
| Total risk-based capital ratio | 11.4299% | 5,734 |
| Memoranda: | ||
| Average total assets | $86,984,670 | 4,675 |
| Average earning assets | $82,287,330 | 4,616 |
| Average equity | $7,705,000 | 5,074 |
| Average total loans | $69,192,000 | 4,108 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 2,067 |
| Cost of funding earning assets | 0.4571% | 2,500 |
| Net interest margin | 3.8603% | 2,068 |
| Noninterest income to average assets | 0.7027% | 2,030 |
| Noninterest expense to average assets | 4.0042% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3561% | 5,124 |
| Return on assets (ROA) | 0.3561% | 5,210 |
| Pretax return on assets | 0.3561% | 5,386 |
| Return on Equity (ROE) | 3.8645% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.8645% | 3,569 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8322% | 562 |
| Assets per employee ($millions) | 3.5009% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 1,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 2,657 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 77.8013% | 1,126 |
| Net loans and leases to deposits | 85.4604% | 2,129 |
| Net loans and leases to core deposits | 91.4824% | 2,233 |
| Total domestic deposits to total assets | 91.0378% | 262 |
| Equity capital to assets | 8.8148% | 5,328 |
| Core capital (leverage) ratio | 9.2987% | 4,493 |
| Tier 1 risk-based capital ratio | 10.4942% | 5,752 |
| Total risk-based capital ratio | 11.7472% | 5,665 |
| Memoranda: | ||
| Average total assets | $83,113,000 | 4,783 |
| Average earning assets | $78,749,500 | 4,732 |
| Average equity | $7,659,500 | 5,114 |
| Average total loans | $68,335,500 | 4,151 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 1,573 |
| Cost of funding earning assets | 0.4321% | 2,828 |
| Net interest margin | 4.0738% | 1,475 |
| Noninterest income to average assets | 0.7254% | 2,088 |
| Noninterest expense to average assets | 4.1532% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4008% | 5,050 |
| Return on assets (ROA) | 0.4008% | 5,129 |
| Pretax return on assets | 0.4008% | 5,318 |
| Return on Equity (ROE) | 4.0283% | 4,935 |
| Retained earnings to average equity (ytd only) | 4.0283% | 3,155 |
| Net charge-offs to loans | -0.2294% | 5,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1998% | 618 |
| Assets per employee ($millions) | 4.1423% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 1,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9021% | 2,409 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 84.2776% | 364 |
| Net loans and leases to deposits | 93.4606% | 1,253 |
| Net loans and leases to core deposits | 98.2259% | 1,654 |
| Total domestic deposits to total assets | 90.1745% | 556 |
| Equity capital to assets | 9.6616% | 4,354 |
| Core capital (leverage) ratio | 9.6695% | 3,949 |
| Tier 1 risk-based capital ratio | 10.9121% | 5,562 |
| Total risk-based capital ratio | 12.1661% | 5,477 |
| Memoranda: | ||
| Average total assets | $74,857,600 | 4,972 |
| Average earning assets | $70,351,600 | 4,930 |
| Average equity | $7,447,400 | 5,161 |
| Average total loans | $61,901,400 | 4,323 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4924% | 1,615 |
| Cost of funding earning assets | 0.4247% | 2,964 |
| Net interest margin | 4.0676% | 1,503 |
| Noninterest income to average assets | 0.7380% | 2,075 |
| Noninterest expense to average assets | 4.1661% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3735% | 5,251 |
| Return on assets (ROA) | 0.3735% | 5,330 |
| Pretax return on assets | 0.3735% | 5,516 |
| Return on Equity (ROE) | 3.7254% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.7254% | 3,824 |
| Net charge-offs to loans | -0.3129% | 6,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7727% | 584 |
| Assets per employee ($millions) | 3.6660% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7156% | 1,443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9612% | 2,447 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 83.7165% | 401 |
| Net loans and leases to deposits | 93.0283% | 1,302 |
| Net loans and leases to core deposits | 103.6590% | 1,253 |
| Total domestic deposits to total assets | 89.9904% | 570 |
| Equity capital to assets | 9.8031% | 4,388 |
| Core capital (leverage) ratio | 9.9055% | 3,763 |
| Tier 1 risk-based capital ratio | 11.0232% | 5,649 |
| Total risk-based capital ratio | 12.2777% | 5,546 |
| Memoranda: | ||
| Average total assets | $73,896,250 | 5,054 |
| Average earning assets | $69,063,500 | 5,014 |
| Average equity | $7,408,250 | 5,233 |
| Average total loans | $60,513,500 | 4,414 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5008% | 1,535 |
| Cost of funding earning assets | 0.4205% | 3,037 |
| Net interest margin | 4.0803% | 1,408 |
| Noninterest income to average assets | 0.6725% | 2,338 |
| Noninterest expense to average assets | 4.1748% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2800% | 5,497 |
| Return on assets (ROA) | 0.2800% | 5,586 |
| Pretax return on assets | 0.2800% | 5,690 |
| Return on Equity (ROE) | 2.7710% | 5,485 |
| Retained earnings to average equity (ytd only) | 2.7710% | 4,285 |
| Net charge-offs to loans | -0.3672% | 6,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7153% | 539 |
| Assets per employee ($millions) | 3.6330% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 1,438 |
| Loan loss allowance to noncurrent loans | 4,954.5455% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.9988% | 2,525 |
| Noncurrent loans to loans | 0.0357% | 5,606 |
| Net loans and leases to total assets | 79.3963% | 886 |
| Net loans and leases to deposits | 88.0870% | 1,827 |
| Net loans and leases to core deposits | 92.3482% | 2,121 |
| Total domestic deposits to total assets | 90.1340% | 606 |
| Equity capital to assets | 9.7022% | 4,394 |
| Core capital (leverage) ratio | 9.9493% | 3,683 |
| Tier 1 risk-based capital ratio | 11.7456% | 5,310 |
| Total risk-based capital ratio | 13.0019% | 5,215 |
| Memoranda: | ||
| Average total assets | $72,866,330 | 5,132 |
| Average earning assets | $67,543,670 | 5,112 |
| Average equity | $7,362,000 | 5,286 |
| Average total loans | $58,826,330 | 4,492 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 1,609 |
| Cost of funding earning assets | 0.4256% | 3,008 |
| Net interest margin | 4.0252% | 1,478 |
| Noninterest income to average assets | 0.6071% | 2,609 |
| Noninterest expense to average assets | 4.1488% | 583 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1799% | 5,723 |
| Return on assets (ROA) | 0.1799% | 5,799 |
| Pretax return on assets | 0.1799% | 5,851 |
| Return on Equity (ROE) | 1.7434% | 5,744 |
| Retained earnings to average equity (ytd only) | 1.7434% | 4,776 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8442% | 510 |
| Assets per employee ($millions) | 3.6812% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 1,866 |
| Loan loss allowance to noncurrent loans | 423.2759% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 1.1301% | 2,376 |
| Noncurrent loans to loans | 0.3910% | 4,422 |
| Net loans and leases to total assets | 79.2500% | 771 |
| Net loans and leases to deposits | 88.2975% | 1,586 |
| Net loans and leases to core deposits | 92.7365% | 1,884 |
| Total domestic deposits to total assets | 89.7533% | 873 |
| Equity capital to assets | 10.0158% | 4,127 |
| Core capital (leverage) ratio | 10.7809% | 2,648 |
| Tier 1 risk-based capital ratio | 12.3959% | 4,977 |
| Total risk-based capital ratio | 13.6505% | 4,885 |
| Memoranda: | ||
| Average total assets | $71,153,500 | 5,233 |
| Average earning assets | $65,785,000 | 5,205 |
| Average equity | $7,342,000 | 5,335 |
| Average total loans | $57,408,000 | 4,565 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4629% | 2,019 |
| Cost of funding earning assets | 0.5073% | 2,597 |
| Net interest margin | 3.9556% | 2,028 |
| Noninterest income to average assets | 0.6482% | 2,559 |
| Noninterest expense to average assets | 4.7561% | 372 |
| Loan and lease loss provision to assets | -1.5733% | 6,506 |
| Net operating income to assets | 1.1092% | 1,944 |
| Return on assets (ROA) | 1.1092% | 1,992 |
| Pretax return on assets | 1.1092% | 3,045 |
| Return on Equity (ROE) | 11.4754% | 1,567 |
| Retained earnings to average equity (ytd only) | 11.4754% | 339 |
| Net charge-offs to loans | -1.5429% | 6,458 |
| Credit loss provision to net charge-offs | 131.9261% | 1,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8138% | 210 |
| Assets per employee ($millions) | 3.4342% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7698% | 1,598 |
| Loan loss allowance to noncurrent loans | 284.6377% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 1.3759% | 2,026 |
| Noncurrent loans to loans | 0.6218% | 3,823 |
| Net loans and leases to total assets | 79.3573% | 830 |
| Net loans and leases to deposits | 89.0575% | 1,612 |
| Net loans and leases to core deposits | 93.9660% | 1,927 |
| Total domestic deposits to total assets | 89.1079% | 1,173 |
| Equity capital to assets | 10.6431% | 3,310 |
| Core capital (leverage) ratio | 11.3867% | 2,064 |
| Tier 1 risk-based capital ratio | 12.1012% | 5,294 |
| Total risk-based capital ratio | 13.3559% | 5,197 |
| Memoranda: | ||
| Average total assets | $63,560,600 | 5,460 |
| Average earning assets | $58,550,000 | 5,442 |
| Average equity | $6,143,600 | 5,585 |
| Average total loans | $49,126,800 | 4,848 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4660% | 1,994 |
| Cost of funding earning assets | 0.5262% | 2,501 |
| Net interest margin | 3.9397% | 2,078 |
| Noninterest income to average assets | 0.7322% | 2,172 |
| Noninterest expense to average assets | 4.7291% | 376 |
| Loan and lease loss provision to assets | -2.1408% | 6,588 |
| Net operating income to assets | 1.7662% | 542 |
| Return on assets (ROA) | 1.7662% | 561 |
| Pretax return on assets | 1.7662% | 950 |
| Return on Equity (ROE) | 18.7965% | 372 |
| Retained earnings to average equity (ytd only) | 18.7965% | 91 |
| Net charge-offs to loans | -1.9101% | 6,536 |
| Credit loss provision to net charge-offs | 146.8429% | 1,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6037% | 237 |
| Assets per employee ($millions) | 3.3643% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8233% | 1,647 |
| Loan loss allowance to noncurrent loans | 258.5714% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 1.4862% | 2,068 |
| Noncurrent loans to loans | 0.7051% | 3,846 |
| Net loans and leases to total assets | 76.2363% | 1,188 |
| Net loans and leases to deposits | 86.4638% | 1,859 |
| Net loans and leases to core deposits | 90.2075% | 2,205 |
| Total domestic deposits to total assets | 88.1713% | 1,679 |
| Equity capital to assets | 11.5784% | 2,407 |
| Core capital (leverage) ratio | 11.9550% | 1,724 |
| Tier 1 risk-based capital ratio | 13.5286% | 4,520 |
| Total risk-based capital ratio | 14.7833% | 4,460 |
| Memoranda: | ||
| Average total assets | $62,280,000 | 5,556 |
| Average earning assets | $57,261,000 | 5,536 |
| Average equity | $5,852,000 | 5,710 |
| Average total loans | $47,536,750 | 4,950 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 2,117 |
| Cost of funding earning assets | 0.5430% | 2,405 |
| Net interest margin | 3.8750% | 2,281 |
| Noninterest income to average assets | 0.6674% | 2,443 |
| Noninterest expense to average assets | 4.7041% | 388 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.4762% | 6,429 |
| Return on assets (ROA) | -0.4762% | 6,427 |
| Pretax return on assets | -0.4762% | 6,411 |
| Return on Equity (ROE) | -5.5101% | 6,441 |
| Retained earnings to average equity (ytd only) | -5.5101% | 6,266 |
| Net charge-offs to loans | 0.2220% | 1,705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -2.8269% | 4,262 |
| Efficiency ratio | 111.2644% | 211 |
| Assets per employee ($millions) | 3.8891% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4602% | 751 |
| Loan loss allowance to noncurrent loans | 86.2399% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 2.1840% | 1,402 |
| Noncurrent loans to loans | 2.8527% | 1,048 |
| Net loans and leases to total assets | 74.6758% | 1,354 |
| Net loans and leases to deposits | 83.4747% | 2,088 |
| Net loans and leases to core deposits | 87.1245% | 2,406 |
| Total domestic deposits to total assets | 89.4592% | 1,113 |
| Equity capital to assets | 10.3238% | 3,654 |
| Core capital (leverage) ratio | 10.5446% | 2,889 |
| Tier 1 risk-based capital ratio | 12.3895% | 5,307 |
| Total risk-based capital ratio | 13.6479% | 5,225 |
| Memoranda: | ||
| Average total assets | $61,733,000 | 5,619 |
| Average earning assets | $56,722,670 | 5,591 |
| Average equity | $5,335,670 | 5,880 |
| Average total loans | $46,837,000 | 5,008 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 2,168 |
| Cost of funding earning assets | 0.5542% | 2,390 |
| Net interest margin | 3.8365% | 2,319 |
| Noninterest income to average assets | 0.6766% | 2,312 |
| Noninterest expense to average assets | 4.5863% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3968% | 6,431 |
| Return on assets (ROA) | -0.3968% | 6,433 |
| Pretax return on assets | -0.3968% | 6,426 |
| Return on Equity (ROE) | -5.0924% | 6,469 |
| Retained earnings to average equity (ytd only) | -5.0924% | 6,126 |
| Net charge-offs to loans | 1.8176% | 153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.2891% | 3,457 |
| Efficiency ratio | 109.4720% | 281 |
| Assets per employee ($millions) | 4.0725% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1875% | 1,184 |
| Loan loss allowance to noncurrent loans | 64.3583% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 2.5767% | 1,219 |
| Noncurrent loans to loans | 3.3990% | 876 |
| Net loans and leases to total assets | 74.1483% | 1,244 |
| Net loans and leases to deposits | 80.6162% | 2,213 |
| Net loans and leases to core deposits | 84.4883% | 2,462 |
| Total domestic deposits to total assets | 91.9770% | 244 |
| Equity capital to assets | 7.8118% | 6,168 |
| Core capital (leverage) ratio | 8.0871% | 6,051 |
| Tier 1 risk-based capital ratio | 9.5983% | 6,536 |
| Total risk-based capital ratio | 10.8566% | 6,518 |
| Memoranda: | ||
| Average total assets | $61,487,000 | 5,672 |
| Average earning assets | $56,301,500 | 5,654 |
| Average equity | $4,791,500 | 6,050 |
| Average total loans | $46,436,000 | 5,066 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 1,934 |
| Cost of funding earning assets | 0.6542% | 2,177 |
| Net interest margin | 3.9254% | 2,199 |
| Noninterest income to average assets | 0.3762% | 4,619 |
| Noninterest expense to average assets | 3.8219% | 1,103 |
| Loan and lease loss provision to assets | 4.2190% | 9 |
| Net operating income to assets | -4.0638% | 6,787 |
| Return on assets (ROA) | -4.0638% | 6,788 |
| Pretax return on assets | -4.0638% | 6,787 |
| Return on Equity (ROE) | -42.3776% | 6,765 |
| Retained earnings to average equity (ytd only) | -42.3776% | 6,762 |
| Net charge-offs to loans | 4.6030% | 28 |
| Credit loss provision to net charge-offs | 124.4934% | 1,913 |
| Earnings coverage of net charge-offs (x) | 0.0458% | 5,078 |
| Efficiency ratio | 96.0961% | 635 |
| Assets per employee ($millions) | 3.8679% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6286% | 712 |
| Loan loss allowance to noncurrent loans | 89.1479% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 2.2186% | 1,609 |
| Noncurrent loans to loans | 2.9486% | 1,176 |
| Net loans and leases to total assets | 73.2626% | 1,479 |
| Net loans and leases to deposits | 79.5983% | 2,509 |
| Net loans and leases to core deposits | 84.2031% | 2,657 |
| Total domestic deposits to total assets | 92.0403% | 277 |
| Equity capital to assets | 7.7738% | 6,148 |
| Core capital (leverage) ratio | 7.7790% | 6,254 |
| Tier 1 risk-based capital ratio | 9.6888% | 6,576 |
| Total risk-based capital ratio | 10.9532% | 6,554 |
| Memoranda: | ||
| Average total assets | $66,982,200 | 5,567 |
| Average earning assets | $61,446,600 | 5,553 |
| Average equity | $6,423,200 | 5,710 |
| Average total loans | $49,315,400 | 4,989 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 1,830 |
| Cost of funding earning assets | 0.6652% | 2,217 |
| Net interest margin | 3.9549% | 2,097 |
| Noninterest income to average assets | 0.3965% | 4,557 |
| Noninterest expense to average assets | 3.5923% | 1,413 |
| Loan and lease loss provision to assets | 4.1822% | 8 |
| Net operating income to assets | -3.7427% | 6,866 |
| Return on assets (ROA) | -3.7427% | 6,865 |
| Pretax return on assets | -3.7427% | 6,862 |
| Return on Equity (ROE) | -37.4232% | 6,843 |
| Retained earnings to average equity (ytd only) | -37.4232% | 6,839 |
| Net charge-offs to loans | 2.8344% | 85 |
| Credit loss provision to net charge-offs | 201.4111% | 1,199 |
| Earnings coverage of net charge-offs (x) | 0.2117% | 4,795 |
| Efficiency ratio | 89.0988% | 1,079 |
| Assets per employee ($millions) | 4.9802% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7358% | 280 |
| Loan loss allowance to noncurrent loans | 80.4608% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 3.3517% | 1,039 |
| Noncurrent loans to loans | 4.6430% | 683 |
| Net loans and leases to total assets | 69.4917% | 2,048 |
| Net loans and leases to deposits | 76.2585% | 2,924 |
| Net loans and leases to core deposits | 80.6840% | 3,049 |
| Total domestic deposits to total assets | 91.1265% | 479 |
| Equity capital to assets | 8.6928% | 5,532 |
| Core capital (leverage) ratio | 8.5998% | 5,661 |
| Tier 1 risk-based capital ratio | 11.1862% | 6,196 |
| Total risk-based capital ratio | 12.4742% | 6,145 |
| Memoranda: | ||
| Average total assets | $68,256,000 | 5,587 |
| Average earning assets | $62,738,750 | 5,572 |
| Average equity | $6,826,250 | 5,688 |
| Average total loans | $50,003,250 | 5,005 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 1,740 |
| Cost of funding earning assets | 0.6723% | 2,288 |
| Net interest margin | 3.9621% | 2,000 |
| Noninterest income to average assets | 0.4004% | 4,525 |
| Noninterest expense to average assets | 3.4425% | 1,733 |
| Loan and lease loss provision to assets | 4.5919% | 6 |
| Net operating income to assets | -3.9840% | 6,919 |
| Return on assets (ROA) | -3.9840% | 6,918 |
| Pretax return on assets | -3.9840% | 6,916 |
| Return on Equity (ROE) | -38.2802% | 6,883 |
| Retained earnings to average equity (ytd only) | -38.2802% | 6,876 |
| Net charge-offs to loans | 0.0039% | 4,840 |
| Credit loss provision to net charge-offs | 159,400.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 211.0000% | 248 |
| Efficiency ratio | 84.9929% | 1,531 |
| Assets per employee ($millions) | 5.8531% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2858% | 204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 71.8923% | 1,596 |
| Net loans and leases to deposits | 82.9282% | 1,935 |
| Net loans and leases to core deposits | 87.9750% | 2,112 |
| Total domestic deposits to total assets | 86.6922% | 3,000 |
| Equity capital to assets | 8.8671% | 5,374 |
| Core capital (leverage) ratio | 9.0522% | 4,907 |
| Tier 1 risk-based capital ratio | 11.0188% | 6,323 |
| Total risk-based capital ratio | 12.3025% | 6,287 |
| Memoranda: | ||
| Average total assets | $69,427,000 | 5,589 |
| Average earning assets | $63,956,670 | 5,562 |
| Average equity | $7,225,670 | 5,624 |
| Average total loans | $51,092,000 | 4,981 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5070% | 2,144 |
| Cost of funding earning assets | 0.6789% | 2,403 |
| Net interest margin | 3.8281% | 2,352 |
| Noninterest income to average assets | 0.3767% | 4,654 |
| Noninterest expense to average assets | 3.2222% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6838% | 3,764 |
| Return on assets (ROA) | 0.6838% | 3,915 |
| Pretax return on assets | 0.6838% | 4,643 |
| Return on Equity (ROE) | 6.1104% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.1104% | 2,618 |
| Net charge-offs to loans | 0.0080% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 325 |
| Efficiency ratio | 82.4926% | 1,965 |
| Assets per employee ($millions) | 4.9467% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 4,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 72.5431% | 1,276 |
| Net loans and leases to deposits | 86.1230% | 1,339 |
| Net loans and leases to core deposits | 91.5751% | 1,548 |
| Total domestic deposits to total assets | 84.2320% | 4,377 |
| Equity capital to assets | 11.2441% | 2,682 |
| Core capital (leverage) ratio | 11.3723% | 1,961 |
| Tier 1 risk-based capital ratio | 13.9108% | 4,572 |
| Total risk-based capital ratio | 15.1041% | 4,574 |
| Memoranda: | ||
| Average total assets | $69,022,000 | 5,655 |
| Average earning assets | $63,634,500 | 5,626 |
| Average equity | $7,724,500 | 5,576 |
| Average total loans | $50,260,000 | 5,048 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 2,742 |
| Cost of funding earning assets | 0.7698% | 2,919 |
| Net interest margin | 3.8935% | 2,860 |
| Noninterest income to average assets | 0.1199% | 6,433 |
| Noninterest expense to average assets | 3.2627% | 2,447 |
| Loan and lease loss provision to assets | 0.0700% | 4,867 |
| Net operating income to assets | 0.4483% | 4,890 |
| Return on assets (ROA) | 0.4483% | 5,135 |
| Pretax return on assets | 0.4483% | 5,431 |
| Return on Equity (ROE) | 3.8492% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.8492% | 3,490 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2907% | 1,400 |
| Assets per employee ($millions) | 5.2915% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 4,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 71.1528% | 1,627 |
| Net loans and leases to deposits | 84.3489% | 1,716 |
| Net loans and leases to core deposits | 89.7318% | 1,868 |
| Total domestic deposits to total assets | 84.3553% | 4,153 |
| Equity capital to assets | 11.1382% | 2,798 |
| Core capital (leverage) ratio | 11.3646% | 1,968 |
| Tier 1 risk-based capital ratio | 13.5705% | 4,702 |
| Total risk-based capital ratio | 14.7544% | 4,702 |
| Memoranda: | ||
| Average total assets | $64,240,800 | 5,807 |
| Average earning assets | $60,408,400 | 5,732 |
| Average equity | $7,482,000 | 5,645 |
| Average total loans | $46,115,200 | 5,246 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6309% | 3,096 |
| Cost of funding earning assets | 0.7987% | 2,953 |
| Net interest margin | 3.8322% | 3,196 |
| Noninterest income to average assets | 0.1162% | 6,559 |
| Noninterest expense to average assets | 3.3299% | 2,185 |
| Loan and lease loss provision to assets | 0.0951% | 4,391 |
| Net operating income to assets | 0.3106% | 5,582 |
| Return on assets (ROA) | 0.3106% | 5,785 |
| Pretax return on assets | 0.3106% | 5,936 |
| Return on Equity (ROE) | 2.6355% | 5,828 |
| Retained earnings to average equity (ytd only) | 2.6355% | 4,984 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1403% | 1,103 |
| Assets per employee ($millions) | 4.7411% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 4,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 74.9352% | 1,118 |
| Net loans and leases to deposits | 89.2355% | 1,236 |
| Net loans and leases to core deposits | 95.1487% | 1,475 |
| Total domestic deposits to total assets | 83.9746% | 4,236 |
| Equity capital to assets | 11.3354% | 2,899 |
| Core capital (leverage) ratio | 11.2517% | 2,177 |
| Tier 1 risk-based capital ratio | 13.6592% | 4,777 |
| Total risk-based capital ratio | 14.8732% | 4,761 |
| Memoranda: | ||
| Average total assets | $63,103,500 | 5,912 |
| Average earning assets | $59,598,750 | 5,826 |
| Average equity | $7,437,000 | 5,712 |
| Average total loans | $45,240,500 | 5,333 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6095% | 3,316 |
| Cost of funding earning assets | 0.8294% | 2,957 |
| Net interest margin | 3.7801% | 3,455 |
| Noninterest income to average assets | 0.1097% | 6,633 |
| Noninterest expense to average assets | 3.4638% | 1,871 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2322% | 5,817 |
| Return on assets (ROA) | 0.2322% | 6,006 |
| Pretax return on assets | 0.2322% | 6,091 |
| Return on Equity (ROE) | 1.9438% | 6,058 |
| Retained earnings to average equity (ytd only) | 1.9438% | 5,223 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7173% | 819 |
| Assets per employee ($millions) | 4.6143% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 4,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 69.3235% | 2,047 |
| Net loans and leases to deposits | 78.5350% | 2,593 |
| Net loans and leases to core deposits | 83.5956% | 2,748 |
| Total domestic deposits to total assets | 88.2709% | 1,974 |
| Equity capital to assets | 11.5356% | 2,554 |
| Core capital (leverage) ratio | 11.4226% | 1,950 |
| Tier 1 risk-based capital ratio | 14.7108% | 3,958 |
| Total risk-based capital ratio | 15.9424% | 3,935 |
| Memoranda: | ||
| Average total assets | $62,012,670 | 5,979 |
| Average earning assets | $58,834,670 | 5,877 |
| Average equity | $7,408,000 | 5,739 |
| Average total loans | $43,518,330 | 5,449 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7138% | 3,002 |
| Cost of funding earning assets | 0.8539% | 3,031 |
| Net interest margin | 3.8599% | 3,095 |
| Noninterest income to average assets | 0.1120% | 6,685 |
| Noninterest expense to average assets | 3.5244% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2503% | 5,821 |
| Return on assets (ROA) | 0.2503% | 5,973 |
| Pretax return on assets | 0.2503% | 6,086 |
| Return on Equity (ROE) | 2.0579% | 6,058 |
| Retained earnings to average equity (ytd only) | 2.0579% | 5,241 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3682% | 855 |
| Assets per employee ($millions) | 4.5508% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 4,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 67.6916% | 2,170 |
| Net loans and leases to deposits | 76.7685% | 2,698 |
| Net loans and leases to core deposits | 81.7651% | 2,861 |
| Total domestic deposits to total assets | 88.1763% | 2,198 |
| Equity capital to assets | 11.6102% | 2,342 |
| Core capital (leverage) ratio | 12.1093% | 1,525 |
| Tier 1 risk-based capital ratio | 15.2116% | 3,614 |
| Total risk-based capital ratio | 16.4623% | 3,575 |
| Memoranda: | ||
| Average total assets | $60,719,000 | 6,044 |
| Average earning assets | $57,618,000 | 5,953 |
| Average equity | $7,386,000 | 5,767 |
| Average total loans | $42,574,500 | 5,528 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5901% | 4,711 |
| Cost of funding earning assets | 1.0543% | 2,986 |
| Net interest margin | 3.5358% | 4,997 |
| Noninterest income to average assets | 0.0930% | 6,672 |
| Noninterest expense to average assets | 3.4902% | 2,009 |
| Loan and lease loss provision to assets | 0.1627% | 4,594 |
| Net operating income to assets | -0.1180% | 6,180 |
| Return on assets (ROA) | -0.1180% | 6,252 |
| Pretax return on assets | -0.1180% | 6,219 |
| Return on Equity (ROE) | -0.8971% | 6,236 |
| Retained earnings to average equity (ytd only) | -0.8971% | 5,987 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7355% | 710 |
| Assets per employee ($millions) | 4.1234% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 4,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 70.6377% | 1,893 |
| Net loans and leases to deposits | 81.1192% | 2,336 |
| Net loans and leases to core deposits | 85.2273% | 2,724 |
| Total domestic deposits to total assets | 87.0788% | 2,719 |
| Equity capital to assets | 12.7757% | 1,613 |
| Core capital (leverage) ratio | 12.5727% | 1,320 |
| Tier 1 risk-based capital ratio | 16.3679% | 2,878 |
| Total risk-based capital ratio | 17.6162% | 2,848 |
| Memoranda: | ||
| Average total assets | $55,928,400 | 6,163 |
| Average earning assets | $54,443,400 | 6,029 |
| Average equity | $7,357,200 | 5,757 |
| Average total loans | $38,255,400 | 5,768 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4317% | 5,489 |
| Cost of funding earning assets | 1.1005% | 2,976 |
| Net interest margin | 3.3312% | 5,768 |
| Noninterest income to average assets | 0.0937% | 6,779 |
| Noninterest expense to average assets | 3.5040% | 1,926 |
| Loan and lease loss provision to assets | 0.1802% | 4,226 |
| Net operating income to assets | -0.3461% | 6,539 |
| Return on assets (ROA) | -0.3461% | 6,591 |
| Pretax return on assets | -0.3461% | 6,528 |
| Return on Equity (ROE) | -2.6113% | 6,534 |
| Retained earnings to average equity (ytd only) | -2.6113% | 6,371 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9676% | 526 |
| Assets per employee ($millions) | 4.5560% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 4,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 67.1507% | 2,644 |
| Net loans and leases to deposits | 76.7444% | 3,204 |
| Net loans and leases to core deposits | 80.4922% | 3,566 |
| Total domestic deposits to total assets | 87.4992% | 2,354 |
| Equity capital to assets | 12.3388% | 2,005 |
| Core capital (leverage) ratio | 12.2140% | 1,587 |
| Tier 1 risk-based capital ratio | 16.4765% | 2,875 |
| Total risk-based capital ratio | 17.7284% | 2,838 |
| Memoranda: | ||
| Average total assets | $55,478,750 | 6,223 |
| Average earning assets | $54,033,750 | 6,094 |
| Average equity | $7,352,750 | 5,798 |
| Average total loans | $37,469,500 | 5,862 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3984% | 5,698 |
| Cost of funding earning assets | 1.1565% | 2,862 |
| Net interest margin | 3.2419% | 6,021 |
| Noninterest income to average assets | 0.0959% | 6,849 |
| Noninterest expense to average assets | 3.6401% | 1,650 |
| Loan and lease loss provision to assets | 0.1033% | 5,018 |
| Net operating income to assets | -0.4942% | 6,685 |
| Return on assets (ROA) | -0.4942% | 6,709 |
| Pretax return on assets | -0.4942% | 6,651 |
| Return on Equity (ROE) | -3.6375% | 6,634 |
| Retained earnings to average equity (ytd only) | -3.6375% | 6,437 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0318% | 443 |
| Assets per employee ($millions) | 4.5324% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 4,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 62.1833% | 3,855 |
| Net loans and leases to deposits | 71.1423% | 4,269 |
| Net loans and leases to core deposits | 73.8779% | 4,592 |
| Total domestic deposits to total assets | 87.4069% | 2,516 |
| Equity capital to assets | 12.3929% | 1,848 |
| Core capital (leverage) ratio | 13.6949% | 945 |
| Tier 1 risk-based capital ratio | 17.5820% | 2,313 |
| Total risk-based capital ratio | 18.8100% | 2,291 |
| Memoranda: | ||
| Average total assets | $54,229,000 | 6,322 |
| Average earning assets | $52,746,670 | 6,197 |
| Average equity | $7,367,670 | 5,813 |
| Average total loans | $36,499,670 | 5,954 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 5,004 |
| Cost of funding earning assets | 1.2403% | 2,567 |
| Net interest margin | 3.3473% | 5,616 |
| Noninterest income to average assets | 0.0925% | 6,958 |
| Noninterest expense to average assets | 3.6852% | 1,563 |
| Loan and lease loss provision to assets | 0.1850% | 3,758 |
| Net operating income to assets | -0.5320% | 6,819 |
| Return on assets (ROA) | -0.5320% | 6,822 |
| Pretax return on assets | -0.5320% | 6,768 |
| Return on Equity (ROE) | -3.7295% | 6,719 |
| Retained earnings to average equity (ytd only) | -3.7295% | 6,381 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3926% | 495 |
| Assets per employee ($millions) | 4.4811% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 4,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 67.6901% | 2,619 |
| Net loans and leases to deposits | 78.6614% | 2,949 |
| Net loans and leases to core deposits | 81.3404% | 3,551 |
| Total domestic deposits to total assets | 86.0525% | 3,495 |
| Equity capital to assets | 13.6983% | 1,106 |
| Core capital (leverage) ratio | 14.2777% | 782 |
| Tier 1 risk-based capital ratio | 18.0854% | 2,088 |
| Total risk-based capital ratio | 19.3376% | 2,053 |
| Memoranda: | ||
| Average total assets | $51,883,000 | 6,459 |
| Average earning assets | $50,309,000 | 6,331 |
| Average equity | $7,400,500 | 5,804 |
| Average total loans | $36,150,000 | 6,021 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 7,128 |
| Cost of funding earning assets | 1.4650% | 2,857 |
| Net interest margin | 2.5446% | 7,245 |
| Noninterest income to average assets | 0.0730% | 7,016 |
| Noninterest expense to average assets | 4.1186% | 1,008 |
| Loan and lease loss provision to assets | 0.5693% | 2,851 |
| Net operating income to assets | -2.1893% | 7,104 |
| Return on assets (ROA) | -2.1893% | 7,122 |
| Pretax return on assets | -2.1893% | 7,087 |
| Return on Equity (ROE) | -12.9700% | 6,840 |
| Retained earnings to average equity (ytd only) | -12.9700% | 6,795 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.8323% | 151 |
| Assets per employee ($millions) | 4.1661% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 3,976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 69.6357% | 2,623 |
| Net loans and leases to deposits | 81.9727% | 2,814 |
| Net loans and leases to core deposits | 84.4996% | 3,526 |
| Total domestic deposits to total assets | 84.9499% | 3,877 |
| Equity capital to assets | 14.8721% | 822 |
| Core capital (leverage) ratio | 14.2951% | 789 |
| Tier 1 risk-based capital ratio | 19.0368% | 1,712 |
| Total risk-based capital ratio | 20.2888% | 1,679 |
| Memoranda: | ||
| Average total assets | $46,545,000 | 6,648 |
| Average earning assets | $44,368,400 | 6,568 |
| Average equity | $7,856,600 | 5,763 |
| Average total loans | $26,402,600 | 6,592 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8929% | 7,348 |
| Cost of funding earning assets | 1.4944% | 3,017 |
| Net interest margin | 2.3984% | 7,440 |
| Noninterest income to average assets | 0.0671% | 7,197 |
| Noninterest expense to average assets | 4.3837% | 673 |
| Loan and lease loss provision to assets | 0.5253% | 2,833 |
| Net operating income to assets | -2.5654% | 7,364 |
| Return on assets (ROA) | -2.5654% | 7,381 |
| Pretax return on assets | -2.5654% | 7,339 |
| Return on Equity (ROE) | -14.7195% | 7,097 |
| Retained earnings to average equity (ytd only) | -14.7195% | 7,070 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 187.0486% | 105 |
| Assets per employee ($millions) | 4.6332% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 3,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 57.4355% | 5,346 |
| Net loans and leases to deposits | 67.6919% | 5,465 |
| Net loans and leases to core deposits | 69.7334% | 5,773 |
| Total domestic deposits to total assets | 84.8484% | 3,696 |
| Equity capital to assets | 14.8631% | 928 |
| Core capital (leverage) ratio | 15.5967% | 623 |
| Tier 1 risk-based capital ratio | 20.9845% | 1,360 |
| Total risk-based capital ratio | 22.2228% | 1,336 |
| Memoranda: | ||
| Average total assets | $45,683,000 | 6,756 |
| Average earning assets | $43,360,500 | 6,682 |
| Average equity | $7,962,000 | 5,803 |
| Average total loans | $24,167,000 | 6,809 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 7,502 |
| Cost of funding earning assets | 1.5291% | 3,077 |
| Net interest margin | 2.2360% | 7,561 |
| Noninterest income to average assets | 0.0683% | 7,237 |
| Noninterest expense to average assets | 4.7721% | 449 |
| Loan and lease loss provision to assets | 0.6238% | 2,298 |
| Net operating income to assets | -3.2102% | 7,534 |
| Return on assets (ROA) | -3.2102% | 7,538 |
| Pretax return on assets | -3.2102% | 7,500 |
| Return on Equity (ROE) | -17.4268% | 7,213 |
| Retained earnings to average equity (ytd only) | -17.4268% | 7,181 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 218.3333% | 80 |
| Assets per employee ($millions) | 4.2846% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 3,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 56.0247% | 5,697 |
| Net loans and leases to deposits | 67.3666% | 5,632 |
| Net loans and leases to core deposits | 69.6077% | 5,914 |
| Total domestic deposits to total assets | 83.1639% | 4,492 |
| Equity capital to assets | 16.4414% | 607 |
| Core capital (leverage) ratio | 17.0521% | 433 |
| Tier 1 risk-based capital ratio | 23.8043% | 960 |
| Total risk-based capital ratio | 25.0453% | 945 |
| Memoranda: | ||
| Average total assets | $43,922,330 | 6,870 |
| Average earning assets | $41,592,000 | 6,791 |
| Average equity | $8,091,000 | 5,765 |
| Average total loans | $22,316,330 | 6,947 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 7,712 |
| Cost of funding earning assets | 1.5642% | 3,178 |
| Net interest margin | 1.9129% | 7,747 |
| Noninterest income to average assets | 0.0662% | 7,387 |
| Noninterest expense to average assets | 4.8585% | 409 |
| Loan and lease loss provision to assets | 0.6522% | 1,946 |
| Net operating income to assets | -3.6297% | 7,690 |
| Return on assets (ROA) | -3.6297% | 7,692 |
| Pretax return on assets | -3.6297% | 7,653 |
| Return on Equity (ROE) | -18.5911% | 7,409 |
| Retained earnings to average equity (ytd only) | -18.5911% | 7,331 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 258.2915% | 59 |
| Assets per employee ($millions) | 3.3967% | 5,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 3,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 49.7498% | 6,489 |
| Net loans and leases to deposits | 61.1905% | 6,352 |
| Net loans and leases to core deposits | 62.9456% | 6,531 |
| Total domestic deposits to total assets | 81.3031% | 5,344 |
| Equity capital to assets | 18.2757% | 398 |
| Core capital (leverage) ratio | 19.6155% | 273 |
| Tier 1 risk-based capital ratio | 26.1072% | 766 |
| Total risk-based capital ratio | 27.1942% | 765 |
| Memoranda: | ||
| Average total assets | $42,318,000 | 7,006 |
| Average earning assets | $40,149,000 | 6,923 |
| Average equity | $8,262,000 | 5,750 |
| Average total loans | $20,070,000 | 7,151 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5159% | 7,950 |
| Cost of funding earning assets | 1.0361% | 7,134 |
| Net interest margin | 0.4798% | 7,971 |
| Noninterest income to average assets | 0.0313% | 7,583 |
| Noninterest expense to average assets | 4.6664% | 674 |
| Loan and lease loss provision to assets | 0.7588% | 2,833 |
| Net operating income to assets | -4.9307% | 7,740 |
| Return on assets (ROA) | -4.9307% | 7,735 |
| Pretax return on assets | -4.9307% | 7,695 |
| Return on Equity (ROE) | -19.3783% | 7,125 |
| Retained earnings to average equity (ytd only) | -19.3783% | 7,084 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 943.6782% | 14 |
| Assets per employee ($millions) | 3.6799% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 3,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 43.4028% | 7,149 |
| Net loans and leases to deposits | 55.1375% | 6,977 |
| Net loans and leases to core deposits | 63.4626% | 7,124 |
| Total domestic deposits to total assets | 78.7174% | 6,056 |
| Equity capital to assets | 20.8849% | 255 |
| Core capital (leverage) ratio | 21.8467% | 213 |
| Tier 1 risk-based capital ratio | 22.1483% | 1,134 |
| Total risk-based capital ratio | 22.8478% | 1,179 |
| Memoranda: | ||
| Average total assets | $35,187,670 | 7,273 |
| Average earning assets | $33,973,330 | 7,186 |
| Average equity | $8,953,330 | 5,622 |
| Average total loans | $12,754,000 | 7,562 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0392% | 8,061 |
| Cost of funding earning assets | 0.8288% | 7,655 |
| Net interest margin | 0.2104% | 8,077 |
| Noninterest income to average assets | 0.0205% | 7,766 |
| Noninterest expense to average assets | 4.5888% | 666 |
| Loan and lease loss provision to assets | 0.8153% | 2,335 |
| Net operating income to assets | -5.1788% | 7,861 |
| Return on assets (ROA) | -5.1788% | 7,859 |
| Pretax return on assets | -5.1788% | 7,831 |
| Return on Equity (ROE) | -18.3124% | 7,318 |
| Retained earnings to average equity (ytd only) | -18.3124% | 7,282 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,036.3636% | 6 |
| Assets per employee ($millions) | 2.8408% | 6,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 3,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 35.2857% | 7,640 |
| Net loans and leases to deposits | 46.6476% | 7,548 |
| Net loans and leases to core deposits | 52.9092% | 7,629 |
| Total domestic deposits to total assets | 75.6431% | 6,653 |
| Equity capital to assets | 24.1673% | 193 |
| Core capital (leverage) ratio | 37.5600% | 83 |
| Tier 1 risk-based capital ratio | 24.8324% | 917 |
| Total risk-based capital ratio | 25.3860% | 966 |
| Memoranda: | ||
| Average total assets | $32,542,000 | 7,440 |
| Average earning assets | $31,690,500 | 7,342 |
| Average equity | $9,203,000 | 5,591 |
| Average total loans | $10,213,000 | 7,769 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4908% | 8,171 |
| Cost of funding earning assets | 0.3736% | 8,081 |
| Net interest margin | 0.1172% | 8,173 |
| Noninterest income to average assets | 0.0071% | 7,921 |
| Noninterest expense to average assets | 4.3830% | 865 |
| Loan and lease loss provision to assets | 0.7672% | 2,155 |
| Net operating income to assets | -5.0295% | 7,936 |
| Return on assets (ROA) | -5.0295% | 7,930 |
| Pretax return on assets | -5.0295% | 7,864 |
| Return on Equity (ROE) | -14.9351% | 7,324 |
| Retained earnings to average equity (ytd only) | -14.9351% | 7,231 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3,629.4118% | 5 |
| Assets per employee ($millions) | 2.1657% | 7,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 3,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 25.1758% | 7,976 |
| Net loans and leases to deposits | 38.0135% | 7,862 |
| Net loans and leases to core deposits | 40.6143% | 7,927 |
| Total domestic deposits to total assets | 66.2286% | 7,726 |
| Equity capital to assets | 33.6755% | 110 |
| Core capital (leverage) ratio | 50.1959% | 61 |
| Tier 1 risk-based capital ratio | 32.7202% | 477 |
| Total risk-based capital ratio | 33.0929% | 495 |
| Memoranda: | ||
| Average total assets | $28,154,000 | 7,675 |
| Average earning assets | $27,303,000 | 7,585 |
| Average equity | $9,481,000 | 5,521 |
| Average total loans | $7,196,000 | 7,984 |