Home > Fidelity Bank > Performance and Condition Ratios
Fidelity Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3618% | 1,372 |
| Cost of funding earning assets | 1.6272% | 1,617 |
| Net interest margin | 3.7345% | 1,687 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 4.8469% | 239 |
| Loan and lease loss provision to assets | 0.3800% | 260 |
| Net operating income to assets | -0.7604% | 4,525 |
| Return on assets (ROA) | -0.7729% | 4,515 |
| Pretax return on assets | -0.7729% | 4,509 |
| Return on Equity (ROE) | -12.4800% | 4,516 |
| Retained earnings to average equity (ytd only) | -19.8199% | 4,522 |
| Net charge-offs to loans | -0.1644% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 107.5325% | 122 |
| Assets per employee ($millions) | 2.9646% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 3,661 |
| Loan loss allowance to noncurrent loans | 579.2683% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 2,894 |
| Noncurrent loans to loans | 0.1582% | 2,731 |
| Net loans and leases to total assets | 58.7300% | 2,976 |
| Net loans and leases to deposits | 83.0814% | 1,847 |
| Net loans and leases to core deposits | 93.5773% | 1,799 |
| Total domestic deposits to total assets | 70.6900% | 4,269 |
| Equity capital to assets | 7.0962% | 3,904 |
| Core capital (leverage) ratio | 9.2330% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9476% | 1,548 |
| Memoranda: | ||
| Average total assets | $144,525,600 | 3,415 |
| Average earning assets | $133,108,600 | 3,415 |
| Average equity | $8,950,600 | 3,826 |
| Average total loans | $76,025,200 | 3,466 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1840% | 1,485 |
| Cost of funding earning assets | 1.4049% | 1,853 |
| Net interest margin | 3.7791% | 1,645 |
| Noninterest income to average assets | 1.0200% | 619 |
| Noninterest expense to average assets | 4.4226% | 288 |
| Loan and lease loss provision to assets | 0.5300% | 149 |
| Net operating income to assets | -0.4372% | 4,532 |
| Return on assets (ROA) | -0.4547% | 4,517 |
| Pretax return on assets | -0.4547% | 4,510 |
| Return on Equity (ROE) | -7.7000% | 4,526 |
| Retained earnings to average equity (ytd only) | -17.5459% | 4,545 |
| Net charge-offs to loans | -0.2412% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 96.9390% | 218 |
| Assets per employee ($millions) | 2.8595% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 3,626 |
| Loan loss allowance to noncurrent loans | 575.7576% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 2,923 |
| Noncurrent loans to loans | 0.1617% | 2,740 |
| Net loans and leases to total assets | 59.9400% | 2,854 |
| Net loans and leases to deposits | 83.0183% | 1,823 |
| Net loans and leases to core deposits | 94.3538% | 1,655 |
| Total domestic deposits to total assets | 72.2000% | 4,248 |
| Equity capital to assets | 5.5711% | 4,117 |
| Core capital (leverage) ratio | 9.7317% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8158% | 1,369 |
| Memoranda: | ||
| Average total assets | $136,929,250 | 3,493 |
| Average earning assets | $126,695,250 | 3,487 |
| Average equity | $8,085,250 | 3,927 |
| Average total loans | $69,111,250 | 3,575 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8940% | 1,772 |
| Cost of funding earning assets | 1.2524% | 1,842 |
| Net interest margin | 3.6416% | 1,935 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 4.0701% | 326 |
| Loan and lease loss provision to assets | 0.8600% | 82 |
| Net operating income to assets | -0.6649% | 4,581 |
| Return on assets (ROA) | -0.6934% | 4,576 |
| Pretax return on assets | -0.6934% | 4,568 |
| Return on Equity (ROE) | -11.4500% | 4,588 |
| Retained earnings to average equity (ytd only) | -21.3146% | 4,579 |
| Net charge-offs to loans | -0.4301% | 4,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 94.5124% | 252 |
| Assets per employee ($millions) | 2.9437% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 2,819 |
| Loan loss allowance to noncurrent loans | 171.1783% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 1,424 |
| Noncurrent loans to loans | 0.6573% | 1,136 |
| Net loans and leases to total assets | 56.3000% | 3,100 |
| Net loans and leases to deposits | 69.8278% | 2,798 |
| Net loans and leases to core deposits | 80.7150% | 2,426 |
| Total domestic deposits to total assets | 80.6300% | 3,481 |
| Equity capital to assets | 7.2996% | 3,635 |
| Core capital (leverage) ratio | 9.7409% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4250% | 1,234 |
| Memoranda: | ||
| Average total assets | $126,335,333 | 3,611 |
| Average earning assets | $117,531,333 | 3,596 |
| Average equity | $7,647,333 | 3,993 |
| Average total loans | $58,125,667 | 3,745 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4564% | 4,316 |
| Cost of funding earning assets | 0.8017% | 2,730 |
| Net interest margin | 2.6547% | 4,143 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 2.0491% | 3,501 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.4772% | 3,953 |
| Return on assets (ROA) | 0.4091% | 4,022 |
| Pretax return on assets | 0.4091% | 4,120 |
| Return on Equity (ROE) | 8.0800% | 3,271 |
| Retained earnings to average equity (ytd only) | -18.4777% | 4,585 |
| Net charge-offs to loans | -0.5074% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.1481% | 823 |
| Assets per employee ($millions) | 5.3508% | 3,362 |
| Cash dividends to net income (ytd only)* | 328.7037% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 2,559 |
| Loan loss allowance to noncurrent loans | 155.7432% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 1,700 |
| Noncurrent loans to loans | 0.7697% | 1,004 |
| Net loans and leases to total assets | 37.3700% | 4,144 |
| Net loans and leases to deposits | 41.2073% | 4,191 |
| Net loans and leases to core deposits | 45.6110% | 4,121 |
| Total domestic deposits to total assets | 90.6900% | 919 |
| Equity capital to assets | 5.1945% | 4,387 |
| Core capital (leverage) ratio | 10.0191% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9551% | 665 |
| Memoranda: | ||
| Average total assets | $105,607,500 | 3,860 |
| Average earning assets | $99,294,500 | 3,831 |
| Average equity | $5,347,000 | 4,321 |
| Average total loans | $39,417,000 | 4,079 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8258% | 4,302 |
| Cost of funding earning assets | 0.3649% | 2,368 |
| Net interest margin | 2.4609% | 4,316 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 1.8690% | 3,896 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.4834% | 4,107 |
| Return on assets (ROA) | 0.4834% | 4,074 |
| Pretax return on assets | 0.4834% | 4,189 |
| Return on Equity (ROE) | 7.4300% | 3,537 |
| Retained earnings to average equity (ytd only) | 1.1157% | 4,171 |
| Net charge-offs to loans | 0.0105% | 1,982 |
| Credit loss provision to net charge-offs | 1,200.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 150.2500% | 788 |
| Efficiency ratio | 78.0577% | 848 |
| Assets per employee ($millions) | 6.0861% | 2,695 |
| Cash dividends to net income (ytd only)* | 84.9910% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 3,386 |
| Loan loss allowance to noncurrent loans | 128.2540% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 1,706 |
| Noncurrent loans to loans | 0.7801% | 954 |
| Net loans and leases to total assets | 36.4900% | 4,195 |
| Net loans and leases to deposits | 38.4438% | 4,283 |
| Net loans and leases to core deposits | 39.0797% | 4,299 |
| Total domestic deposits to total assets | 94.9200% | 148 |
| Equity capital to assets | 4.9412% | 4,375 |
| Core capital (leverage) ratio | 9.5192% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4257% | 679 |
| Memoranda: | ||
| Average total assets | $114,393,000 | 3,784 |
| Average earning assets | $108,252,400 | 3,741 |
| Average equity | $7,439,400 | 4,158 |
| Average total loans | $38,001,000 | 4,103 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6316% | 4,363 |
| Cost of funding earning assets | 0.3464% | 1,734 |
| Net interest margin | 2.2852% | 4,414 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.8765% | 3,803 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.3172% | 4,365 |
| Return on assets (ROA) | 0.3172% | 4,316 |
| Pretax return on assets | 0.3172% | 4,357 |
| Return on Equity (ROE) | 4.6100% | 4,057 |
| Retained earnings to average equity (ytd only) | 0.2517% | 4,304 |
| Net charge-offs to loans | 0.0143% | 1,595 |
| Credit loss provision to net charge-offs | 900.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 77.7500% | 1,056 |
| Efficiency ratio | 83.9525% | 549 |
| Assets per employee ($millions) | 5.7159% | 3,019 |
| Cash dividends to net income (ytd only)* | 94.5455% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,336 |
| Loan loss allowance to noncurrent loans | 123.6593% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 1,783 |
| Noncurrent loans to loans | 0.8351% | 939 |
| Net loans and leases to total assets | 34.5900% | 4,284 |
| Net loans and leases to deposits | 36.0123% | 4,362 |
| Net loans and leases to core deposits | 36.6054% | 4,383 |
| Total domestic deposits to total assets | 96.0500% | 125 |
| Equity capital to assets | 3.8461% | 4,492 |
| Core capital (leverage) ratio | 9.2372% | 3,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3794% | 614 |
| Memoranda: | ||
| Average total assets | $115,604,000 | 3,795 |
| Average earning assets | $109,689,750 | 3,752 |
| Average equity | $7,946,000 | 4,141 |
| Average total loans | $37,406,500 | 4,137 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4395% | 4,430 |
| Cost of funding earning assets | 0.3393% | 1,372 |
| Net interest margin | 2.1001% | 4,513 |
| Noninterest income to average assets | 0.0882% | 4,531 |
| Noninterest expense to average assets | 1.8383% | 3,865 |
| Loan and lease loss provision to assets | 0.0407% | 1,853 |
| Net operating income to assets | 0.2035% | 4,415 |
| Return on assets (ROA) | 0.2035% | 4,375 |
| Pretax return on assets | 0.2035% | 4,408 |
| Return on Equity (ROE) | 2.6080% | 4,274 |
| Retained earnings to average equity (ytd only) | -0.1087% | 4,188 |
| Net charge-offs to loans | 0.0215% | 1,299 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,309 |
| Efficiency ratio | 88.2736% | 482 |
| Assets per employee ($millions) | 5.4883% | 3,245 |
| Cash dividends to net income (ytd only)* | 104.1667% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,236 |
| Loan loss allowance to noncurrent loans | 29.5950% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.1698% | 366 |
| Noncurrent loans to loans | 3.6490% | 106 |
| Net loans and leases to total assets | 31.7111% | 4,412 |
| Net loans and leases to deposits | 33.3212% | 4,461 |
| Net loans and leases to core deposits | 33.8682% | 4,480 |
| Total domestic deposits to total assets | 95.1679% | 128 |
| Equity capital to assets | 4.7428% | 4,527 |
| Core capital (leverage) ratio | 9.0197% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0645% | 708 |
| Memoranda: | ||
| Average total assets | $117,937,667 | 3,815 |
| Average earning assets | $111,992,333 | 3,784 |
| Average equity | $9,202,333 | 4,085 |
| Average total loans | $37,222,333 | 4,192 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2887% | 4,462 |
| Cost of funding earning assets | 0.3196% | 1,467 |
| Net interest margin | 1.9691% | 4,536 |
| Noninterest income to average assets | 0.0688% | 4,609 |
| Noninterest expense to average assets | 1.7964% | 3,947 |
| Loan and lease loss provision to assets | 0.0393% | 1,648 |
| Net operating income to assets | 0.1115% | 4,450 |
| Return on assets (ROA) | 0.1115% | 4,418 |
| Pretax return on assets | 0.1115% | 4,432 |
| Return on Equity (ROE) | 1.2142% | 4,389 |
| Retained earnings to average equity (ytd only) | -1.4642% | 4,193 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2559% | 453 |
| Assets per employee ($millions) | 6.5557% | 2,339 |
| Cash dividends to net income (ytd only)* | 220.5882% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 3,845 |
| Loan loss allowance to noncurrent loans | 315.2542% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 3,107 |
| Noncurrent loans to loans | 0.3071% | 2,360 |
| Net loans and leases to total assets | 32.2416% | 4,369 |
| Net loans and leases to deposits | 36.7332% | 4,361 |
| Net loans and leases to core deposits | 37.3403% | 4,391 |
| Total domestic deposits to total assets | 87.7723% | 2,638 |
| Equity capital to assets | 7.8608% | 3,673 |
| Core capital (leverage) ratio | 8.8158% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4504% | 703 |
| Memoranda: | ||
| Average total assets | $122,023,500 | 3,797 |
| Average earning assets | $116,396,000 | 3,765 |
| Average equity | $11,200,500 | 3,938 |
| Average total loans | $38,239,500 | 4,184 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6452% | 4,365 |
| Cost of funding earning assets | 0.4231% | 1,368 |
| Net interest margin | 2.2221% | 4,469 |
| Noninterest income to average assets | 0.0630% | 4,698 |
| Noninterest expense to average assets | 1.8284% | 4,090 |
| Loan and lease loss provision to assets | 0.2200% | 462 |
| Net operating income to assets | 0.1352% | 4,594 |
| Return on assets (ROA) | 0.1352% | 4,606 |
| Pretax return on assets | 0.1352% | 4,617 |
| Return on Equity (ROE) | 1.1609% | 4,593 |
| Retained earnings to average equity (ytd only) | -2.2642% | 4,636 |
| Net charge-offs to loans | 1.0976% | 58 |
| Credit loss provision to net charge-offs | 51.7787% | 2,126 |
| Earnings coverage of net charge-offs (x) | 0.8360% | 2,635 |
| Efficiency ratio | 83.7370% | 587 |
| Assets per employee ($millions) | 6.3022% | 2,490 |
| Cash dividends to net income (ytd only)* | 295.0311% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 3,951 |
| Loan loss allowance to noncurrent loans | 297.5207% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 3,265 |
| Noncurrent loans to loans | 0.3179% | 2,450 |
| Net loans and leases to total assets | 29.9110% | 4,510 |
| Net loans and leases to deposits | 34.9799% | 4,505 |
| Net loans and leases to core deposits | 35.4483% | 4,527 |
| Total domestic deposits to total assets | 85.5090% | 3,090 |
| Equity capital to assets | 10.4130% | 2,254 |
| Core capital (leverage) ratio | 8.3871% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2255% | 628 |
| Memoranda: | ||
| Average total assets | $119,117,400 | 3,813 |
| Average earning assets | $113,676,200 | 3,766 |
| Average equity | $13,868,200 | 3,752 |
| Average total loans | $46,100,600 | 4,069 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7695% | 4,333 |
| Cost of funding earning assets | 0.4558% | 1,314 |
| Net interest margin | 2.3137% | 4,482 |
| Noninterest income to average assets | 0.0670% | 4,761 |
| Noninterest expense to average assets | 1.8207% | 4,126 |
| Loan and lease loss provision to assets | 0.0852% | 1,402 |
| Net operating income to assets | 0.3691% | 4,420 |
| Return on assets (ROA) | 0.3691% | 4,449 |
| Pretax return on assets | 0.3691% | 4,528 |
| Return on Equity (ROE) | 3.0833% | 4,455 |
| Retained earnings to average equity (ytd only) | 0.9487% | 4,423 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0300% | 743 |
| Assets per employee ($millions) | 6.1301% | 2,566 |
| Cash dividends to net income (ytd only)* | 69.2308% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 1,710 |
| Loan loss allowance to noncurrent loans | 27.9079% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.9845% | 188 |
| Noncurrent loans to loans | 5.3039% | 69 |
| Net loans and leases to total assets | 36.8616% | 4,345 |
| Net loans and leases to deposits | 43.7218% | 4,321 |
| Net loans and leases to core deposits | 44.3316% | 4,367 |
| Total domestic deposits to total assets | 84.3094% | 3,367 |
| Equity capital to assets | 11.4941% | 1,684 |
| Core capital (leverage) ratio | 9.1672% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5087% | 748 |
| Memoranda: | ||
| Average total assets | $117,385,750 | 3,874 |
| Average earning assets | $112,026,000 | 3,830 |
| Average equity | $14,054,000 | 3,784 |
| Average total loans | $48,110,500 | 4,085 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9085% | 4,213 |
| Cost of funding earning assets | 0.5161% | 1,113 |
| Net interest margin | 2.3924% | 4,430 |
| Noninterest income to average assets | 0.0761% | 4,773 |
| Noninterest expense to average assets | 1.8487% | 4,074 |
| Loan and lease loss provision to assets | 0.0778% | 1,545 |
| Net operating income to assets | 0.4341% | 4,329 |
| Return on assets (ROA) | 0.4341% | 4,371 |
| Pretax return on assets | 0.4341% | 4,470 |
| Return on Equity (ROE) | 3.5752% | 4,400 |
| Retained earnings to average equity (ytd only) | 1.0825% | 4,324 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3150% | 893 |
| Assets per employee ($millions) | 5.9921% | 2,618 |
| Cash dividends to net income (ytd only)* | 69.7211% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 2,253 |
| Loan loss allowance to noncurrent loans | 105.8728% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 1,634 |
| Noncurrent loans to loans | 1.2642% | 936 |
| Net loans and leases to total assets | 39.9184% | 4,292 |
| Net loans and leases to deposits | 47.5116% | 4,246 |
| Net loans and leases to core deposits | 48.1903% | 4,316 |
| Total domestic deposits to total assets | 84.0181% | 3,435 |
| Equity capital to assets | 11.7213% | 1,506 |
| Core capital (leverage) ratio | 9.4083% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9213% | 972 |
| Memoranda: | ||
| Average total assets | $115,647,000 | 3,908 |
| Average earning assets | $110,435,333 | 3,868 |
| Average equity | $14,041,333 | 3,784 |
| Average total loans | $48,856,667 | 4,107 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9598% | 4,167 |
| Cost of funding earning assets | 0.5949% | 890 |
| Net interest margin | 2.3649% | 4,453 |
| Noninterest income to average assets | 0.0775% | 4,774 |
| Noninterest expense to average assets | 1.8635% | 4,073 |
| Loan and lease loss provision to assets | 0.0810% | 1,599 |
| Net operating income to assets | 0.3875% | 4,384 |
| Return on assets (ROA) | 0.3875% | 4,411 |
| Pretax return on assets | 0.3875% | 4,501 |
| Return on Equity (ROE) | 3.1342% | 4,448 |
| Retained earnings to average equity (ytd only) | 0.2849% | 4,333 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9094% | 826 |
| Assets per employee ($millions) | 5.3610% | 3,266 |
| Cash dividends to net income (ytd only)* | 90.9091% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,406 |
| Loan loss allowance to noncurrent loans | 61.7126% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.9025% | 953 |
| Noncurrent loans to loans | 2.1179% | 485 |
| Net loans and leases to total assets | 42.0554% | 4,234 |
| Net loans and leases to deposits | 49.9520% | 4,157 |
| Net loans and leases to core deposits | 50.7090% | 4,261 |
| Total domestic deposits to total assets | 84.1917% | 3,372 |
| Equity capital to assets | 12.2011% | 1,200 |
| Core capital (leverage) ratio | 9.9588% | 2,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2416% | 763 |
| Memoranda: | ||
| Average total assets | $113,549,500 | 3,935 |
| Average earning assets | $108,251,500 | 3,894 |
| Average equity | $14,038,500 | 3,793 |
| Average total loans | $49,041,000 | 4,117 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3849% | 4,216 |
| Cost of funding earning assets | 0.7002% | 1,715 |
| Net interest margin | 2.6846% | 4,399 |
| Noninterest income to average assets | 0.0838% | 4,789 |
| Noninterest expense to average assets | 2.0258% | 4,091 |
| Loan and lease loss provision to assets | 0.0877% | 3,265 |
| Net operating income to assets | 0.4882% | 4,051 |
| Return on assets (ROA) | 0.5028% | 4,108 |
| Pretax return on assets | 0.5028% | 4,265 |
| Return on Equity (ROE) | 3.6520% | 4,235 |
| Retained earnings to average equity (ytd only) | -1.4792% | 4,672 |
| Net charge-offs to loans | -0.0037% | 4,064 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8652% | 1,039 |
| Assets per employee ($millions) | 5.4533% | 2,891 |
| Cash dividends to net income (ytd only)* | 140.5039% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 2,914 |
| Loan loss allowance to noncurrent loans | 59.3904% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.8881% | 1,124 |
| Noncurrent loans to loans | 2.0296% | 558 |
| Net loans and leases to total assets | 43.2286% | 4,290 |
| Net loans and leases to deposits | 51.5409% | 4,240 |
| Net loans and leases to core deposits | 52.1347% | 4,331 |
| Total domestic deposits to total assets | 83.8725% | 3,150 |
| Equity capital to assets | 12.5228% | 1,313 |
| Core capital (leverage) ratio | 9.7944% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3230% | 995 |
| Memoranda: | ||
| Average total assets | $102,624,200 | 3,959 |
| Average earning assets | $96,252,000 | 3,941 |
| Average equity | $14,129,200 | 3,740 |
| Average total loans | $54,497,800 | 4,010 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5633% | 4,098 |
| Cost of funding earning assets | 0.7184% | 1,915 |
| Net interest margin | 2.8449% | 4,271 |
| Noninterest income to average assets | 0.0883% | 4,793 |
| Noninterest expense to average assets | 2.1381% | 3,856 |
| Loan and lease loss provision to assets | 0.0913% | 3,170 |
| Net operating income to assets | 0.5138% | 3,994 |
| Return on assets (ROA) | 0.5339% | 4,043 |
| Pretax return on assets | 0.5339% | 4,218 |
| Return on Equity (ROE) | 3.7793% | 4,214 |
| Retained earnings to average equity (ytd only) | -0.2463% | 4,521 |
| Net charge-offs to loans | -0.0048% | 4,039 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9512% | 1,041 |
| Assets per employee ($millions) | 5.0002% | 3,252 |
| Cash dividends to net income (ytd only)* | 106.5163% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,253 |
| Loan loss allowance to noncurrent loans | 57.2271% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 0.9685% | 1,152 |
| Noncurrent loans to loans | 1.9073% | 664 |
| Net loans and leases to total assets | 50.2267% | 4,090 |
| Net loans and leases to deposits | 60.9366% | 3,999 |
| Net loans and leases to core deposits | 61.7145% | 4,127 |
| Total domestic deposits to total assets | 82.4245% | 3,306 |
| Equity capital to assets | 13.6576% | 954 |
| Core capital (leverage) ratio | 11.0186% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1875% | 883 |
| Memoranda: | ||
| Average total assets | $99,650,500 | 3,998 |
| Average earning assets | $92,981,750 | 3,986 |
| Average equity | $14,076,250 | 3,755 |
| Average total loans | $55,595,000 | 4,010 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8215% | 3,804 |
| Cost of funding earning assets | 0.7499% | 2,124 |
| Net interest margin | 3.0716% | 3,964 |
| Noninterest income to average assets | 0.0960% | 4,795 |
| Noninterest expense to average assets | 2.1397% | 3,951 |
| Loan and lease loss provision to assets | 0.0920% | 3,118 |
| Net operating income to assets | 0.7357% | 3,258 |
| Return on assets (ROA) | 0.7664% | 3,279 |
| Pretax return on assets | 0.7664% | 3,681 |
| Return on Equity (ROE) | 5.3617% | 3,732 |
| Retained earnings to average equity (ytd only) | 2.1447% | 3,698 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1074% | 1,667 |
| Assets per employee ($millions) | 4.5766% | 3,683 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 3,513 |
| Loan loss allowance to noncurrent loans | 49.4681% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.1203% | 1,016 |
| Noncurrent loans to loans | 2.0471% | 649 |
| Net loans and leases to total assets | 54.1729% | 3,860 |
| Net loans and leases to deposits | 66.4952% | 3,677 |
| Net loans and leases to core deposits | 67.3874% | 3,895 |
| Total domestic deposits to total assets | 81.4689% | 3,508 |
| Equity capital to assets | 14.4520% | 747 |
| Core capital (leverage) ratio | 11.6632% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8430% | 931 |
| Memoranda: | ||
| Average total assets | $97,866,000 | 4,024 |
| Average earning assets | $91,483,000 | 4,002 |
| Average equity | $13,988,000 | 3,766 |
| Average total loans | $56,352,667 | 4,010 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0377% | 3,687 |
| Cost of funding earning assets | 0.7828% | 2,490 |
| Net interest margin | 3.2549% | 3,704 |
| Noninterest income to average assets | 0.1078% | 4,793 |
| Noninterest expense to average assets | 2.2020% | 3,998 |
| Loan and lease loss provision to assets | 0.0954% | 2,493 |
| Net operating income to assets | 0.8626% | 2,645 |
| Return on assets (ROA) | 0.8626% | 2,749 |
| Pretax return on assets | 0.8626% | 3,246 |
| Return on Equity (ROE) | 6.0701% | 3,292 |
| Retained earnings to average equity (ytd only) | 3.1518% | 3,017 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6850% | 2,401 |
| Assets per employee ($millions) | 4.5837% | 3,148 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 3,968 |
| Loan loss allowance to noncurrent loans | 27.5631% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 2.1173% | 367 |
| Noncurrent loans to loans | 3.4127% | 281 |
| Net loans and leases to total assets | 61.4576% | 3,353 |
| Net loans and leases to deposits | 72.2215% | 3,415 |
| Net loans and leases to core deposits | 72.7137% | 3,717 |
| Total domestic deposits to total assets | 85.0959% | 2,378 |
| Equity capital to assets | 14.7568% | 820 |
| Core capital (leverage) ratio | 11.9824% | 1,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6845% | 1,032 |
| Memoranda: | ||
| Average total assets | $96,456,500 | 4,040 |
| Average earning assets | $90,447,000 | 4,018 |
| Average equity | $13,706,500 | 3,809 |
| Average total loans | $56,978,000 | 4,010 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0763% | 4,091 |
| Cost of funding earning assets | 0.7832% | 2,756 |
| Net interest margin | 3.2930% | 4,008 |
| Noninterest income to average assets | 0.1053% | 4,913 |
| Noninterest expense to average assets | 2.2340% | 4,094 |
| Loan and lease loss provision to assets | 0.0731% | 2,538 |
| Net operating income to assets | 0.8704% | 3,314 |
| Return on assets (ROA) | 0.8704% | 3,408 |
| Pretax return on assets | 0.8704% | 3,821 |
| Return on Equity (ROE) | 6.0097% | 3,917 |
| Retained earnings to average equity (ytd only) | 1.1871% | 4,318 |
| Net charge-offs to loans | 0.1414% | 1,381 |
| Credit loss provision to net charge-offs | 86.0759% | 2,709 |
| Earnings coverage of net charge-offs (x) | 11.1139% | 2,518 |
| Efficiency ratio | 70.3077% | 2,126 |
| Assets per employee ($millions) | 5.0620% | 2,501 |
| Cash dividends to net income (ytd only)* | 80.2469% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 3,965 |
| Loan loss allowance to noncurrent loans | 84.5140% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 2,100 |
| Noncurrent loans to loans | 1.0634% | 1,422 |
| Net loans and leases to total assets | 55.8751% | 3,927 |
| Net loans and leases to deposits | 64.8797% | 4,014 |
| Net loans and leases to core deposits | 65.0790% | 4,226 |
| Total domestic deposits to total assets | 86.1211% | 2,023 |
| Equity capital to assets | 13.7149% | 1,202 |
| Core capital (leverage) ratio | 11.2704% | 2,272 |
| Tier 1 risk-based capital ratio | 17.0682% | 2,030 |
| Total risk-based capital ratio | 17.8852% | 2,108 |
| Memoranda: | ||
| Average total assets | $93,059,800 | 4,098 |
| Average earning assets | $86,819,600 | 4,084 |
| Average equity | $13,478,200 | 3,819 |
| Average total loans | $55,859,600 | 4,055 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1431% | 4,052 |
| Cost of funding earning assets | 0.7817% | 2,804 |
| Net interest margin | 3.3615% | 3,960 |
| Noninterest income to average assets | 0.1128% | 4,946 |
| Noninterest expense to average assets | 2.2355% | 4,108 |
| Loan and lease loss provision to assets | 0.0996% | 1,928 |
| Net operating income to assets | 0.9024% | 3,337 |
| Return on assets (ROA) | 0.9024% | 3,412 |
| Pretax return on assets | 0.9024% | 3,869 |
| Return on Equity (ROE) | 6.1399% | 4,000 |
| Retained earnings to average equity (ytd only) | 1.6546% | 4,381 |
| Net charge-offs to loans | 0.1872% | 919 |
| Credit loss provision to net charge-offs | 87.1795% | 2,426 |
| Earnings coverage of net charge-offs (x) | 8.7690% | 2,631 |
| Efficiency ratio | 69.0498% | 2,250 |
| Assets per employee ($millions) | 4.4728% | 3,253 |
| Cash dividends to net income (ytd only)* | 73.0528% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 3,924 |
| Loan loss allowance to noncurrent loans | 46.0987% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.1871% | 1,069 |
| Noncurrent loans to loans | 2.0181% | 669 |
| Net loans and leases to total assets | 58.2727% | 3,851 |
| Net loans and leases to deposits | 68.5044% | 3,885 |
| Net loans and leases to core deposits | 68.7341% | 4,123 |
| Total domestic deposits to total assets | 85.0643% | 2,406 |
| Equity capital to assets | 14.7590% | 918 |
| Core capital (leverage) ratio | 12.1260% | 1,773 |
| Tier 1 risk-based capital ratio | 18.0970% | 1,788 |
| Total risk-based capital ratio | 18.9644% | 1,852 |
| Memoranda: | ||
| Average total assets | $91,014,750 | 4,179 |
| Average earning assets | $84,603,750 | 4,169 |
| Average equity | $13,376,500 | 3,871 |
| Average total loans | $55,554,250 | 4,112 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1777% | 3,977 |
| Cost of funding earning assets | 0.7783% | 2,753 |
| Net interest margin | 3.3995% | 3,899 |
| Noninterest income to average assets | 0.1111% | 4,996 |
| Noninterest expense to average assets | 2.2500% | 4,126 |
| Loan and lease loss provision to assets | 0.1000% | 1,871 |
| Net operating income to assets | 0.9240% | 3,195 |
| Return on assets (ROA) | 0.9240% | 3,253 |
| Pretax return on assets | 0.9240% | 3,780 |
| Return on Equity (ROE) | 6.2962% | 3,952 |
| Retained earnings to average equity (ytd only) | 0.2422% | 4,628 |
| Net charge-offs to loans | -0.0180% | 4,515 |
| Credit loss provision to net charge-offs | -900.0000% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7246% | 2,415 |
| Assets per employee ($millions) | 4.4130% | 3,270 |
| Cash dividends to net income (ytd only)* | 96.1538% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 3,544 |
| Loan loss allowance to noncurrent loans | 75.5937% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.8588% | 1,633 |
| Noncurrent loans to loans | 1.3402% | 1,160 |
| Net loans and leases to total assets | 63.4319% | 3,404 |
| Net loans and leases to deposits | 75.0821% | 3,419 |
| Net loans and leases to core deposits | 75.8717% | 3,740 |
| Total domestic deposits to total assets | 84.4833% | 2,691 |
| Equity capital to assets | 15.3796% | 729 |
| Core capital (leverage) ratio | 12.4330% | 1,569 |
| Tier 1 risk-based capital ratio | 17.0640% | 2,066 |
| Total risk-based capital ratio | 17.9887% | 2,111 |
| Memoranda: | ||
| Average total assets | $90,043,330 | 4,223 |
| Average earning assets | $83,777,670 | 4,208 |
| Average equity | $13,214,330 | 3,904 |
| Average total loans | $55,656,000 | 4,130 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 4,038 |
| Cost of funding earning assets | 0.7608% | 2,729 |
| Net interest margin | 3.3766% | 3,955 |
| Noninterest income to average assets | 0.0968% | 5,092 |
| Noninterest expense to average assets | 2.2478% | 4,153 |
| Loan and lease loss provision to assets | 0.1012% | 1,735 |
| Net operating income to assets | 0.9105% | 3,195 |
| Return on assets (ROA) | 0.9105% | 3,238 |
| Pretax return on assets | 0.9105% | 3,728 |
| Return on Equity (ROE) | 6.3524% | 3,891 |
| Retained earnings to average equity (ytd only) | 0.2148% | 4,482 |
| Net charge-offs to loans | -0.0217% | 4,520 |
| Credit loss provision to net charge-offs | -766.6667% | 3,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9609% | 2,502 |
| Assets per employee ($millions) | 4.8214% | 2,761 |
| Cash dividends to net income (ytd only)* | 96.6184% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 3,729 |
| Loan loss allowance to noncurrent loans | 185.8108% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 3,238 |
| Noncurrent loans to loans | 0.5365% | 2,702 |
| Net loans and leases to total assets | 62.9383% | 3,411 |
| Net loans and leases to deposits | 74.3335% | 3,425 |
| Net loans and leases to core deposits | 75.1269% | 3,726 |
| Total domestic deposits to total assets | 84.6702% | 2,790 |
| Equity capital to assets | 15.1720% | 719 |
| Core capital (leverage) ratio | 12.2902% | 1,612 |
| Tier 1 risk-based capital ratio | 17.6040% | 1,912 |
| Total risk-based capital ratio | 18.5206% | 1,967 |
| Memoranda: | ||
| Average total assets | $90,935,000 | 4,248 |
| Average earning assets | $85,174,000 | 4,239 |
| Average equity | $13,034,500 | 3,943 |
| Average total loans | $55,205,000 | 4,182 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 3,676 |
| Cost of funding earning assets | 0.7645% | 1,716 |
| Net interest margin | 3.3564% | 4,115 |
| Noninterest income to average assets | 0.0994% | 5,149 |
| Noninterest expense to average assets | 2.1924% | 4,357 |
| Loan and lease loss provision to assets | 0.1549% | 1,357 |
| Net operating income to assets | 0.8291% | 3,695 |
| Return on assets (ROA) | 0.8291% | 3,693 |
| Pretax return on assets | 0.8291% | 4,093 |
| Return on Equity (ROE) | 6.0406% | 4,161 |
| Retained earnings to average equity (ytd only) | 1.3700% | 4,586 |
| Net charge-offs to loans | 0.3751% | 506 |
| Credit loss provision to net charge-offs | 67.1296% | 3,027 |
| Earnings coverage of net charge-offs (x) | 4.2639% | 3,313 |
| Efficiency ratio | 69.0212% | 2,383 |
| Assets per employee ($millions) | 5.0045% | 2,497 |
| Cash dividends to net income (ytd only)* | 77.3196% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 3,958 |
| Loan loss allowance to noncurrent loans | 181.0345% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 3,352 |
| Noncurrent loans to loans | 0.5250% | 2,698 |
| Net loans and leases to total assets | 57.5422% | 4,006 |
| Net loans and leases to deposits | 66.6935% | 4,065 |
| Net loans and leases to core deposits | 67.3237% | 4,279 |
| Total domestic deposits to total assets | 86.2786% | 2,100 |
| Equity capital to assets | 13.5689% | 1,118 |
| Core capital (leverage) ratio | 11.3945% | 2,182 |
| Tier 1 risk-based capital ratio | 17.5068% | 1,901 |
| Total risk-based capital ratio | 18.3773% | 1,967 |
| Memoranda: | ||
| Average total assets | $93,594,600 | 4,204 |
| Average earning assets | $85,805,400 | 4,223 |
| Average equity | $12,846,400 | 3,905 |
| Average total loans | $57,589,800 | 4,152 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 3,421 |
| Cost of funding earning assets | 0.7626% | 1,521 |
| Net interest margin | 3.4026% | 3,999 |
| Noninterest income to average assets | 0.1044% | 5,198 |
| Noninterest expense to average assets | 2.1854% | 4,351 |
| Loan and lease loss provision to assets | 0.1044% | 1,924 |
| Net operating income to assets | 0.9096% | 3,486 |
| Return on assets (ROA) | 0.9096% | 3,490 |
| Pretax return on assets | 0.9096% | 3,991 |
| Return on Equity (ROE) | 6.6081% | 4,074 |
| Retained earnings to average equity (ytd only) | 2.4521% | 4,419 |
| Net charge-offs to loans | 0.4377% | 362 |
| Credit loss provision to net charge-offs | 38.2199% | 2,916 |
| Earnings coverage of net charge-offs (x) | 3.7120% | 3,136 |
| Efficiency ratio | 68.3058% | 2,481 |
| Assets per employee ($millions) | 4.3770% | 3,315 |
| Cash dividends to net income (ytd only)* | 62.8930% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 4,564 |
| Loan loss allowance to noncurrent loans | 216.8182% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 3,767 |
| Noncurrent loans to loans | 0.3753% | 3,305 |
| Net loans and leases to total assets | 63.2636% | 3,514 |
| Net loans and leases to deposits | 73.6048% | 3,630 |
| Net loans and leases to core deposits | 74.3283% | 3,926 |
| Total domestic deposits to total assets | 85.9504% | 2,225 |
| Equity capital to assets | 13.8973% | 992 |
| Core capital (leverage) ratio | 11.8903% | 1,847 |
| Tier 1 risk-based capital ratio | 17.1291% | 2,052 |
| Total risk-based capital ratio | 17.8986% | 2,171 |
| Memoranda: | ||
| Average total assets | $93,222,000 | 4,257 |
| Average earning assets | $84,796,500 | 4,285 |
| Average equity | $12,832,500 | 3,939 |
| Average total loans | $58,177,500 | 4,182 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1649% | 3,223 |
| Cost of funding earning assets | 0.7284% | 1,481 |
| Net interest margin | 3.4365% | 3,843 |
| Noninterest income to average assets | 0.1068% | 5,251 |
| Noninterest expense to average assets | 2.1824% | 4,407 |
| Loan and lease loss provision to assets | 0.1068% | 1,837 |
| Net operating income to assets | 0.9204% | 3,371 |
| Return on assets (ROA) | 0.9204% | 3,374 |
| Pretax return on assets | 0.9204% | 3,906 |
| Return on Equity (ROE) | 6.7071% | 3,989 |
| Retained earnings to average equity (ytd only) | 0.4824% | 4,869 |
| Net charge-offs to loans | 0.5135% | 294 |
| Credit loss provision to net charge-offs | 33.5570% | 2,609 |
| Earnings coverage of net charge-offs (x) | 3.2282% | 2,897 |
| Efficiency ratio | 67.9973% | 2,646 |
| Assets per employee ($millions) | 3.9621% | 3,965 |
| Cash dividends to net income (ytd only)* | 92.8074% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 4,569 |
| Loan loss allowance to noncurrent loans | 197.6096% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 3,670 |
| Noncurrent loans to loans | 0.4274% | 3,171 |
| Net loans and leases to total assets | 63.9039% | 3,412 |
| Net loans and leases to deposits | 75.8367% | 3,352 |
| Net loans and leases to core deposits | 76.0963% | 3,739 |
| Total domestic deposits to total assets | 84.2652% | 2,968 |
| Equity capital to assets | 13.9747% | 938 |
| Core capital (leverage) ratio | 11.9328% | 1,760 |
| Tier 1 risk-based capital ratio | 17.0627% | 2,082 |
| Total risk-based capital ratio | 17.8755% | 2,164 |
| Memoranda: | ||
| Average total assets | $93,657,000 | 4,285 |
| Average earning assets | $84,564,000 | 4,323 |
| Average equity | $12,852,000 | 3,947 |
| Average total loans | $58,027,670 | 4,215 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 3,085 |
| Cost of funding earning assets | 0.7294% | 1,293 |
| Net interest margin | 3.4119% | 3,843 |
| Noninterest income to average assets | 0.1180% | 5,262 |
| Noninterest expense to average assets | 2.1197% | 4,617 |
| Loan and lease loss provision to assets | 0.0969% | 1,898 |
| Net operating income to assets | 0.9566% | 3,045 |
| Return on assets (ROA) | 0.9566% | 3,061 |
| Pretax return on assets | 0.9566% | 3,682 |
| Return on Equity (ROE) | 7.0330% | 3,775 |
| Retained earnings to average equity (ytd only) | 0.8365% | 4,659 |
| Net charge-offs to loans | 1.0334% | 138 |
| Credit loss provision to net charge-offs | 15.4362% | 2,150 |
| Earnings coverage of net charge-offs (x) | 1.6779% | 2,533 |
| Efficiency ratio | 66.7995% | 3,032 |
| Assets per employee ($millions) | 3.9887% | 3,999 |
| Cash dividends to net income (ytd only)* | 88.1057% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 4,733 |
| Loan loss allowance to noncurrent loans | 181.7829% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 3,734 |
| Noncurrent loans to loans | 0.4510% | 3,186 |
| Net loans and leases to total assets | 61.8417% | 3,571 |
| Net loans and leases to deposits | 71.9241% | 3,610 |
| Net loans and leases to core deposits | 72.1638% | 3,940 |
| Total domestic deposits to total assets | 85.9820% | 2,546 |
| Equity capital to assets | 13.8872% | 922 |
| Core capital (leverage) ratio | 11.5985% | 1,934 |
| Tier 1 risk-based capital ratio | 16.8477% | 2,162 |
| Total risk-based capital ratio | 17.6069% | 2,278 |
| Memoranda: | ||
| Average total assets | $94,921,000 | 4,308 |
| Average earning assets | $84,997,500 | 4,362 |
| Average equity | $12,910,500 | 3,982 |
| Average total loans | $57,676,000 | 4,257 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9086% | 3,695 |
| Cost of funding earning assets | 0.7351% | 870 |
| Net interest margin | 3.1735% | 4,508 |
| Noninterest income to average assets | 0.1829% | 5,041 |
| Noninterest expense to average assets | 2.0627% | 4,856 |
| Loan and lease loss provision to assets | 0.2712% | 663 |
| Net operating income to assets | 0.7783% | 3,258 |
| Return on assets (ROA) | 0.8355% | 3,046 |
| Pretax return on assets | 0.8355% | 4,139 |
| Return on Equity (ROE) | 6.1286% | 3,705 |
| Retained earnings to average equity (ytd only) | 0.0305% | 4,997 |
| Net charge-offs to loans | 0.3007% | 866 |
| Credit loss provision to net charge-offs | 155.3571% | 1,727 |
| Earnings coverage of net charge-offs (x) | 6.0119% | 3,240 |
| Efficiency ratio | 66.2771% | 3,210 |
| Assets per employee ($millions) | 4.2653% | 3,555 |
| Cash dividends to net income (ytd only)* | 99.5025% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,789 |
| Loan loss allowance to noncurrent loans | 215.5797% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 3,764 |
| Noncurrent loans to loans | 0.4746% | 3,086 |
| Net loans and leases to total assets | 58.6679% | 3,954 |
| Net loans and leases to deposits | 67.7779% | 4,041 |
| Net loans and leases to core deposits | 67.9869% | 4,293 |
| Total domestic deposits to total assets | 86.5590% | 2,204 |
| Equity capital to assets | 13.3339% | 1,120 |
| Core capital (leverage) ratio | 10.2794% | 3,091 |
| Tier 1 risk-based capital ratio | 16.2954% | 2,332 |
| Total risk-based capital ratio | 17.2294% | 2,380 |
| Memoranda: | ||
| Average total assets | $96,230,800 | 4,309 |
| Average earning assets | $88,829,200 | 4,314 |
| Average equity | $13,118,800 | 3,967 |
| Average total loans | $55,867,600 | 4,296 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 3,739 |
| Cost of funding earning assets | 0.7292% | 845 |
| Net interest margin | 3.1520% | 4,576 |
| Noninterest income to average assets | 0.2075% | 4,968 |
| Noninterest expense to average assets | 2.0648% | 4,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0735% | 2,213 |
| Return on assets (ROA) | 1.1500% | 1,929 |
| Pretax return on assets | 1.1500% | 3,115 |
| Return on Equity (ROE) | 8.3889% | 2,933 |
| Retained earnings to average equity (ytd only) | 2.2953% | 4,492 |
| Net charge-offs to loans | 0.0145% | 3,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 128.4963% | 600 |
| Efficiency ratio | 65.7941% | 3,248 |
| Assets per employee ($millions) | 5.1859% | 2,240 |
| Cash dividends to net income (ytd only)* | 72.6389% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 4,588 |
| Loan loss allowance to noncurrent loans | 142.1203% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 3,616 |
| Noncurrent loans to loans | 0.6307% | 2,813 |
| Net loans and leases to total assets | 55.6550% | 4,260 |
| Net loans and leases to deposits | 64.5282% | 4,348 |
| Net loans and leases to core deposits | 64.7270% | 4,570 |
| Total domestic deposits to total assets | 86.2491% | 2,210 |
| Equity capital to assets | 13.6250% | 1,111 |
| Core capital (leverage) ratio | 11.1392% | 2,335 |
| Tier 1 risk-based capital ratio | 17.5918% | 1,978 |
| Total risk-based capital ratio | 18.4147% | 2,066 |
| Memoranda: | ||
| Average total assets | $95,762,750 | 4,358 |
| Average earning assets | $89,040,750 | 4,346 |
| Average equity | $13,128,250 | 4,007 |
| Average total loans | $55,297,000 | 4,353 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 3,555 |
| Cost of funding earning assets | 0.7135% | 830 |
| Net interest margin | 3.1847% | 4,463 |
| Noninterest income to average assets | 0.2594% | 4,679 |
| Noninterest expense to average assets | 2.0751% | 4,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1493% | 1,776 |
| Return on assets (ROA) | 1.2653% | 1,419 |
| Pretax return on assets | 1.2653% | 2,515 |
| Return on Equity (ROE) | 9.2100% | 2,408 |
| Retained earnings to average equity (ytd only) | 3.0700% | 3,881 |
| Net charge-offs to loans | 0.0289% | 2,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 68.1250% | 859 |
| Efficiency ratio | 64.3558% | 3,616 |
| Assets per employee ($millions) | 4.3360% | 3,369 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 4,653 |
| Loan loss allowance to noncurrent loans | 136.5651% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 3,597 |
| Noncurrent loans to loans | 0.6564% | 2,778 |
| Net loans and leases to total assets | 57.1390% | 4,109 |
| Net loans and leases to deposits | 66.5462% | 4,186 |
| Net loans and leases to core deposits | 66.7573% | 4,427 |
| Total domestic deposits to total assets | 85.8636% | 2,437 |
| Equity capital to assets | 14.0599% | 943 |
| Core capital (leverage) ratio | 11.6124% | 1,886 |
| Tier 1 risk-based capital ratio | 17.9213% | 1,878 |
| Total risk-based capital ratio | 18.7567% | 1,962 |
| Memoranda: | ||
| Average total assets | $94,839,670 | 4,399 |
| Average earning assets | $88,298,000 | 4,395 |
| Average equity | $13,029,330 | 4,035 |
| Average total loans | $55,284,670 | 4,379 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 3,474 |
| Cost of funding earning assets | 0.6803% | 925 |
| Net interest margin | 3.1976% | 4,352 |
| Noninterest income to average assets | 0.4188% | 3,529 |
| Noninterest expense to average assets | 2.0811% | 4,888 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3197% | 1,192 |
| Return on assets (ROA) | 1.5524% | 767 |
| Pretax return on assets | 1.5524% | 1,373 |
| Return on Equity (ROE) | 11.4348% | 1,425 |
| Retained earnings to average equity (ytd only) | 5.2033% | 2,786 |
| Net charge-offs to loans | 0.0577% | 1,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,054 |
| Efficiency ratio | 61.1940% | 4,286 |
| Assets per employee ($millions) | 4.3044% | 3,502 |
| Cash dividends to net income (ytd only)* | 54.4959% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 4,808 |
| Loan loss allowance to noncurrent loans | 106.9414% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 3,183 |
| Noncurrent loans to loans | 0.8292% | 2,380 |
| Net loans and leases to total assets | 60.9560% | 3,673 |
| Net loans and leases to deposits | 73.1448% | 3,490 |
| Net loans and leases to core deposits | 73.3972% | 3,888 |
| Total domestic deposits to total assets | 83.3361% | 3,725 |
| Equity capital to assets | 14.3164% | 809 |
| Core capital (leverage) ratio | 11.8693% | 1,710 |
| Tier 1 risk-based capital ratio | 17.8780% | 1,915 |
| Total risk-based capital ratio | 18.7139% | 1,999 |
| Memoranda: | ||
| Average total assets | $94,563,500 | 4,451 |
| Average earning assets | $88,190,500 | 4,440 |
| Average equity | $12,838,000 | 4,082 |
| Average total loans | $55,427,500 | 4,410 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9190% | 3,502 |
| Cost of funding earning assets | 0.7266% | 715 |
| Net interest margin | 3.1925% | 4,473 |
| Noninterest income to average assets | 0.1195% | 5,583 |
| Noninterest expense to average assets | 2.1544% | 4,878 |
| Loan and lease loss provision to assets | 0.0935% | 2,485 |
| Net operating income to assets | 0.8383% | 3,115 |
| Return on assets (ROA) | 0.9110% | 2,877 |
| Pretax return on assets | 0.9110% | 3,807 |
| Return on Equity (ROE) | 6.5236% | 3,729 |
| Retained earnings to average equity (ytd only) | 2.0605% | 4,368 |
| Net charge-offs to loans | 0.2393% | 1,165 |
| Credit loss provision to net charge-offs | 65.6934% | 3,174 |
| Earnings coverage of net charge-offs (x) | 6.5474% | 3,156 |
| Efficiency ratio | 69.8081% | 2,935 |
| Assets per employee ($millions) | 5.1965% | 2,179 |
| Cash dividends to net income (ytd only)* | 68.4151% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 4,753 |
| Loan loss allowance to noncurrent loans | 119.2399% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 3,563 |
| Noncurrent loans to loans | 0.7618% | 2,636 |
| Net loans and leases to total assets | 55.4622% | 4,312 |
| Net loans and leases to deposits | 63.7849% | 4,428 |
| Net loans and leases to core deposits | 63.9779% | 4,635 |
| Total domestic deposits to total assets | 86.9518% | 2,175 |
| Equity capital to assets | 12.8983% | 1,298 |
| Core capital (leverage) ratio | 10.6993% | 2,656 |
| Tier 1 risk-based capital ratio | 17.4461% | 2,023 |
| Total risk-based capital ratio | 18.2900% | 2,096 |
| Memoranda: | ||
| Average total assets | $96,268,000 | 4,422 |
| Average earning assets | $89,461,000 | 4,401 |
| Average equity | $13,443,400 | 4,036 |
| Average total loans | $57,254,600 | 4,370 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 3,275 |
| Cost of funding earning assets | 0.7242% | 724 |
| Net interest margin | 3.2620% | 4,304 |
| Noninterest income to average assets | 0.1268% | 5,618 |
| Noninterest expense to average assets | 2.1564% | 4,877 |
| Loan and lease loss provision to assets | 0.0948% | 2,331 |
| Net operating income to assets | 0.9019% | 2,893 |
| Return on assets (ROA) | 0.9994% | 2,573 |
| Pretax return on assets | 0.9994% | 3,634 |
| Return on Equity (ROE) | 7.0187% | 3,551 |
| Retained earnings to average equity (ytd only) | 3.1031% | 4,052 |
| Net charge-offs to loans | -0.0208% | 5,017 |
| Credit loss provision to net charge-offs | -755.5556% | 5,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3908% | 3,158 |
| Assets per employee ($millions) | 4.3199% | 3,381 |
| Cash dividends to net income (ytd only)* | 55.7878% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,657 |
| Loan loss allowance to noncurrent loans | 117.2608% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 3,226 |
| Noncurrent loans to loans | 0.9666% | 2,305 |
| Net loans and leases to total assets | 57.3634% | 4,156 |
| Net loans and leases to deposits | 67.1789% | 4,228 |
| Net loans and leases to core deposits | 67.1789% | 4,537 |
| Total domestic deposits to total assets | 85.3890% | 2,646 |
| Equity capital to assets | 14.4795% | 879 |
| Core capital (leverage) ratio | 11.3194% | 2,174 |
| Tier 1 risk-based capital ratio | 17.4366% | 2,099 |
| Total risk-based capital ratio | 18.4826% | 2,114 |
| Memoranda: | ||
| Average total assets | $95,651,500 | 4,467 |
| Average earning assets | $88,736,500 | 4,458 |
| Average equity | $13,620,500 | 4,038 |
| Average total loans | $57,752,750 | 4,387 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 3,134 |
| Cost of funding earning assets | 0.7175% | 730 |
| Net interest margin | 3.3133% | 4,182 |
| Noninterest income to average assets | 0.1314% | 5,660 |
| Noninterest expense to average assets | 2.1845% | 4,877 |
| Loan and lease loss provision to assets | 0.0939% | 2,277 |
| Net operating income to assets | 0.9264% | 2,738 |
| Return on assets (ROA) | 1.0620% | 2,239 |
| Pretax return on assets | 1.0620% | 3,355 |
| Return on Equity (ROE) | 7.4998% | 3,265 |
| Retained earnings to average equity (ytd only) | 4.5529% | 3,016 |
| Net charge-offs to loans | -0.0307% | 5,133 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1641% | 3,309 |
| Assets per employee ($millions) | 4.6975% | 2,722 |
| Cash dividends to net income (ytd only)* | 39.2927% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 4,022 |
| Loan loss allowance to noncurrent loans | 63.2739% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.0144% | 2,114 |
| Noncurrent loans to loans | 1.7176% | 1,232 |
| Net loans and leases to total assets | 58.4162% | 4,079 |
| Net loans and leases to deposits | 68.6583% | 4,116 |
| Net loans and leases to core deposits | 68.6583% | 4,426 |
| Total domestic deposits to total assets | 85.0825% | 2,836 |
| Equity capital to assets | 14.7983% | 785 |
| Core capital (leverage) ratio | 12.3728% | 1,419 |
| Tier 1 risk-based capital ratio | 17.6556% | 2,028 |
| Total risk-based capital ratio | 18.6788% | 2,053 |
| Memoranda: | ||
| Average total assets | $95,856,000 | 4,501 |
| Average earning assets | $88,915,000 | 4,489 |
| Average equity | $13,573,670 | 4,064 |
| Average total loans | $58,623,000 | 4,391 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 3,008 |
| Cost of funding earning assets | 0.7102% | 769 |
| Net interest margin | 3.3466% | 4,058 |
| Noninterest income to average assets | 0.1322% | 5,684 |
| Noninterest expense to average assets | 2.2725% | 4,733 |
| Loan and lease loss provision to assets | 0.0950% | 2,108 |
| Net operating income to assets | 0.8801% | 2,853 |
| Return on assets (ROA) | 1.0454% | 2,214 |
| Pretax return on assets | 1.0454% | 3,296 |
| Return on Equity (ROE) | 7.5472% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.5472% | 1,647 |
| Net charge-offs to loans | -0.0598% | 5,411 |
| Credit loss provision to net charge-offs | -255.5556% | 4,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9746% | 3,133 |
| Assets per employee ($millions) | 4.1559% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 4,730 |
| Loan loss allowance to noncurrent loans | 71.1656% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 0.8914% | 2,461 |
| Noncurrent loans to loans | 1.3717% | 1,733 |
| Net loans and leases to total assets | 64.3487% | 3,198 |
| Net loans and leases to deposits | 75.6513% | 3,259 |
| Net loans and leases to core deposits | 75.6513% | 3,710 |
| Total domestic deposits to total assets | 85.0596% | 3,110 |
| Equity capital to assets | 14.7807% | 746 |
| Core capital (leverage) ratio | 11.2866% | 2,158 |
| Tier 1 risk-based capital ratio | 16.7129% | 2,394 |
| Total risk-based capital ratio | 17.6491% | 2,475 |
| Memoranda: | ||
| Average total assets | $96,809,000 | 4,513 |
| Average earning assets | $90,121,000 | 4,497 |
| Average equity | $13,409,000 | 4,103 |
| Average total loans | $60,192,000 | 4,361 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 2,944 |
| Cost of funding earning assets | 0.6951% | 842 |
| Net interest margin | 3.3989% | 3,919 |
| Noninterest income to average assets | 0.2354% | 5,187 |
| Noninterest expense to average assets | 2.0250% | 5,408 |
| Loan and lease loss provision to assets | 0.2627% | 708 |
| Net operating income to assets | 1.0953% | 1,952 |
| Return on assets (ROA) | 1.1226% | 1,890 |
| Pretax return on assets | 1.1226% | 2,950 |
| Return on Equity (ROE) | 8.4896% | 2,715 |
| Retained earnings to average equity (ytd only) | 2.3765% | 4,364 |
| Net charge-offs to loans | 0.2075% | 1,420 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 10.3385% | 2,695 |
| Efficiency ratio | 59.8566% | 4,925 |
| Assets per employee ($millions) | 4.6449% | 2,814 |
| Cash dividends to net income (ytd only)* | 72.0072% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 5,085 |
| Loan loss allowance to noncurrent loans | 81.3056% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6596% | 3,065 |
| Noncurrent loans to loans | 1.1055% | 2,128 |
| Net loans and leases to total assets | 59.1283% | 3,954 |
| Net loans and leases to deposits | 68.0750% | 4,122 |
| Net loans and leases to core deposits | 68.0750% | 4,448 |
| Total domestic deposits to total assets | 86.8576% | 2,216 |
| Equity capital to assets | 13.0191% | 1,340 |
| Core capital (leverage) ratio | 10.4150% | 3,041 |
| Tier 1 risk-based capital ratio | 15.9584% | 2,705 |
| Total risk-based capital ratio | 16.8241% | 2,828 |
| Memoranda: | ||
| Average total assets | $98,964,200 | 4,476 |
| Average earning assets | $91,647,800 | 4,472 |
| Average equity | $13,086,600 | 4,126 |
| Average total loans | $62,650,400 | 4,306 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1280% | 2,816 |
| Cost of funding earning assets | 0.6990% | 841 |
| Net interest margin | 3.4290% | 3,841 |
| Noninterest income to average assets | 0.1562% | 5,708 |
| Noninterest expense to average assets | 1.9994% | 5,479 |
| Loan and lease loss provision to assets | 0.0924% | 2,326 |
| Net operating income to assets | 1.2361% | 1,536 |
| Return on assets (ROA) | 1.2401% | 1,584 |
| Pretax return on assets | 1.2401% | 2,651 |
| Return on Equity (ROE) | 9.3407% | 2,395 |
| Retained earnings to average equity (ytd only) | 3.2022% | 4,181 |
| Net charge-offs to loans | -0.0021% | 4,707 |
| Credit loss provision to net charge-offs | -6,800.0000% | 5,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0816% | 4,877 |
| Assets per employee ($millions) | 4.0003% | 3,876 |
| Cash dividends to net income (ytd only)* | 65.7176% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 5,555 |
| Loan loss allowance to noncurrent loans | 88.7067% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 0.7020% | 3,150 |
| Noncurrent loans to loans | 0.8867% | 2,762 |
| Net loans and leases to total assets | 63.9814% | 3,312 |
| Net loans and leases to deposits | 74.2389% | 3,521 |
| Net loans and leases to core deposits | 74.2389% | 3,993 |
| Total domestic deposits to total assets | 86.1832% | 2,450 |
| Equity capital to assets | 13.7127% | 1,137 |
| Core capital (leverage) ratio | 10.6689% | 2,857 |
| Tier 1 risk-based capital ratio | 15.6574% | 2,970 |
| Total risk-based capital ratio | 16.4122% | 3,146 |
| Memoranda: | ||
| Average total assets | $98,158,250 | 4,546 |
| Average earning assets | $90,793,250 | 4,534 |
| Average equity | $13,032,250 | 4,176 |
| Average total loans | $63,070,500 | 4,334 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 3,155 |
| Cost of funding earning assets | 0.6842% | 919 |
| Net interest margin | 3.3468% | 4,116 |
| Noninterest income to average assets | 0.1618% | 5,737 |
| Noninterest expense to average assets | 2.0005% | 5,530 |
| Loan and lease loss provision to assets | 0.0910% | 2,300 |
| Net operating income to assets | 1.1671% | 1,711 |
| Return on assets (ROA) | 1.1671% | 1,782 |
| Pretax return on assets | 1.1671% | 2,910 |
| Return on Equity (ROE) | 8.8851% | 2,612 |
| Retained earnings to average equity (ytd only) | 2.7256% | 4,325 |
| Net charge-offs to loans | -0.0032% | 4,653 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3904% | 4,776 |
| Assets per employee ($millions) | 4.0338% | 3,816 |
| Cash dividends to net income (ytd only)* | 69.3241% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7320% | 5,749 |
| Loan loss allowance to noncurrent loans | 80.5556% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7251% | 3,207 |
| Noncurrent loans to loans | 0.9087% | 2,853 |
| Net loans and leases to total assets | 64.9964% | 3,125 |
| Net loans and leases to deposits | 75.1310% | 3,372 |
| Net loans and leases to core deposits | 75.1310% | 3,838 |
| Total domestic deposits to total assets | 86.5107% | 2,433 |
| Equity capital to assets | 13.3519% | 1,240 |
| Core capital (leverage) ratio | 10.6503% | 2,787 |
| Tier 1 risk-based capital ratio | 15.2559% | 3,221 |
| Total risk-based capital ratio | 15.9670% | 3,444 |
| Memoranda: | ||
| Average total assets | $98,875,670 | 4,570 |
| Average earning assets | $91,490,330 | 4,571 |
| Average equity | $12,988,000 | 4,215 |
| Average total loans | $63,456,330 | 4,354 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 2,843 |
| Cost of funding earning assets | 0.6762% | 973 |
| Net interest margin | 3.4201% | 3,759 |
| Noninterest income to average assets | 0.1842% | 5,613 |
| Noninterest expense to average assets | 1.9418% | 5,684 |
| Loan and lease loss provision to assets | 0.0921% | 2,156 |
| Net operating income to assets | 1.3092% | 1,242 |
| Return on assets (ROA) | 1.3092% | 1,332 |
| Pretax return on assets | 1.3092% | 2,248 |
| Return on Equity (ROE) | 10.0469% | 1,983 |
| Retained earnings to average equity (ytd only) | 3.9020% | 3,662 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0838% | 5,326 |
| Assets per employee ($millions) | 3.7873% | 4,366 |
| Cash dividends to net income (ytd only)* | 61.1621% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7094% | 5,888 |
| Loan loss allowance to noncurrent loans | 76.1658% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 3,254 |
| Noncurrent loans to loans | 0.9314% | 2,915 |
| Net loans and leases to total assets | 65.1898% | 2,900 |
| Net loans and leases to deposits | 75.8324% | 3,078 |
| Net loans and leases to core deposits | 75.8324% | 3,615 |
| Total domestic deposits to total assets | 85.9657% | 2,960 |
| Equity capital to assets | 13.8569% | 1,032 |
| Core capital (leverage) ratio | 10.6109% | 2,840 |
| Tier 1 risk-based capital ratio | 14.5009% | 3,719 |
| Total risk-based capital ratio | 15.1458% | 4,014 |
| Memoranda: | ||
| Average total assets | $99,908,500 | 4,593 |
| Average earning assets | $92,277,000 | 4,589 |
| Average equity | $13,019,000 | 4,230 |
| Average total loans | $63,491,000 | 4,380 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 3,195 |
| Cost of funding earning assets | 0.7114% | 1,043 |
| Net interest margin | 3.4209% | 4,105 |
| Noninterest income to average assets | 0.0764% | 6,226 |
| Noninterest expense to average assets | 1.9406% | 5,878 |
| Loan and lease loss provision to assets | 0.0893% | 2,686 |
| Net operating income to assets | 1.2193% | 1,526 |
| Return on assets (ROA) | 1.2352% | 1,532 |
| Pretax return on assets | 1.2352% | 2,504 |
| Return on Equity (ROE) | 10.3419% | 1,969 |
| Retained earnings to average equity (ytd only) | 10.3419% | 463 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7252% | 5,258 |
| Assets per employee ($millions) | 4.2054% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6464% | 6,080 |
| Loan loss allowance to noncurrent loans | 34.4856% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 1.2841% | 2,192 |
| Noncurrent loans to loans | 1.8745% | 1,508 |
| Net loans and leases to total assets | 61.2536% | 3,603 |
| Net loans and leases to deposits | 69.9525% | 3,915 |
| Net loans and leases to core deposits | 70.1514% | 4,317 |
| Total domestic deposits to total assets | 87.5646% | 1,996 |
| Equity capital to assets | 12.2871% | 1,796 |
| Core capital (leverage) ratio | 9.9910% | 3,583 |
| Tier 1 risk-based capital ratio | 14.5596% | 3,743 |
| Total risk-based capital ratio | 15.1828% | 4,077 |
| Memoranda: | ||
| Average total assets | $100,792,400 | 4,582 |
| Average earning assets | $93,484,200 | 4,568 |
| Average equity | $12,038,400 | 4,353 |
| Average total loans | $63,992,200 | 4,365 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1707% | 3,088 |
| Cost of funding earning assets | 0.7286% | 998 |
| Net interest margin | 3.4420% | 4,055 |
| Noninterest income to average assets | 0.1377% | 6,085 |
| Noninterest expense to average assets | 1.9229% | 5,913 |
| Loan and lease loss provision to assets | 0.0909% | 2,537 |
| Net operating income to assets | 1.3265% | 1,297 |
| Return on assets (ROA) | 1.3479% | 1,307 |
| Pretax return on assets | 1.3479% | 2,204 |
| Return on Equity (ROE) | 11.3717% | 1,667 |
| Retained earnings to average equity (ytd only) | 11.3717% | 469 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5661% | 5,497 |
| Assets per employee ($millions) | 4.1653% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6208% | 6,196 |
| Loan loss allowance to noncurrent loans | 180.8219% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 4,350 |
| Noncurrent loans to loans | 0.3433% | 4,870 |
| Net loans and leases to total assets | 66.1722% | 2,832 |
| Net loans and leases to deposits | 76.3262% | 3,145 |
| Net loans and leases to core deposits | 76.5649% | 3,683 |
| Total domestic deposits to total assets | 86.6967% | 2,480 |
| Equity capital to assets | 13.1040% | 1,377 |
| Core capital (leverage) ratio | 10.0143% | 3,660 |
| Tier 1 risk-based capital ratio | 14.7160% | 3,751 |
| Total risk-based capital ratio | 15.3262% | 4,099 |
| Memoranda: | ||
| Average total assets | $99,706,750 | 4,647 |
| Average earning assets | $92,772,500 | 4,632 |
| Average equity | $11,818,500 | 4,421 |
| Average total loans | $63,785,750 | 4,410 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0541% | 3,526 |
| Cost of funding earning assets | 0.7209% | 1,081 |
| Net interest margin | 3.3332% | 4,460 |
| Noninterest income to average assets | 0.1287% | 6,169 |
| Noninterest expense to average assets | 1.9088% | 5,986 |
| Loan and lease loss provision to assets | 0.0891% | 2,539 |
| Net operating income to assets | 1.2435% | 1,464 |
| Return on assets (ROA) | 1.2692% | 1,450 |
| Pretax return on assets | 1.2692% | 2,372 |
| Return on Equity (ROE) | 11.0772% | 1,719 |
| Retained earnings to average equity (ytd only) | 11.0772% | 529 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8882% | 5,446 |
| Assets per employee ($millions) | 4.3940% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5978% | 6,317 |
| Loan loss allowance to noncurrent loans | 193.2642% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 4,622 |
| Noncurrent loans to loans | 0.3093% | 5,089 |
| Net loans and leases to total assets | 61.3683% | 3,510 |
| Net loans and leases to deposits | 69.8416% | 3,841 |
| Net loans and leases to core deposits | 70.2402% | 4,241 |
| Total domestic deposits to total assets | 87.8678% | 1,989 |
| Equity capital to assets | 11.9857% | 1,995 |
| Core capital (leverage) ratio | 9.4178% | 4,446 |
| Tier 1 risk-based capital ratio | 14.0648% | 4,222 |
| Total risk-based capital ratio | 14.6359% | 4,611 |
| Memoranda: | ||
| Average total assets | $101,008,000 | 4,662 |
| Average earning assets | $94,325,000 | 4,632 |
| Average equity | $11,573,330 | 4,480 |
| Average total loans | $63,784,000 | 4,433 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1448% | 3,113 |
| Cost of funding earning assets | 0.7234% | 1,108 |
| Net interest margin | 3.4214% | 4,020 |
| Noninterest income to average assets | 0.1466% | 6,093 |
| Noninterest expense to average assets | 1.9053% | 6,055 |
| Loan and lease loss provision to assets | 0.0911% | 2,399 |
| Net operating income to assets | 1.3349% | 1,135 |
| Return on assets (ROA) | 1.3745% | 1,092 |
| Pretax return on assets | 1.3745% | 1,839 |
| Return on Equity (ROE) | 12.2794% | 1,352 |
| Retained earnings to average equity (ytd only) | 12.2794% | 574 |
| Net charge-offs to loans | 0.0372% | 2,863 |
| Credit loss provision to net charge-offs | 383.3333% | 670 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 654 |
| Efficiency ratio | 57.1938% | 5,729 |
| Assets per employee ($millions) | 4.2537% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5478% | 6,457 |
| Loan loss allowance to noncurrent loans | 115.7191% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 4,207 |
| Noncurrent loans to loans | 0.4734% | 4,743 |
| Net loans and leases to total assets | 64.2023% | 2,857 |
| Net loans and leases to deposits | 72.9917% | 3,201 |
| Net loans and leases to core deposits | 73.4200% | 3,708 |
| Total domestic deposits to total assets | 87.9584% | 2,252 |
| Equity capital to assets | 11.8361% | 1,989 |
| Core capital (leverage) ratio | 9.3379% | 4,514 |
| Tier 1 risk-based capital ratio | 13.5882% | 4,611 |
| Total risk-based capital ratio | 14.1169% | 5,025 |
| Memoranda: | ||
| Average total assets | $100,981,000 | 4,709 |
| Average earning assets | $93,997,500 | 4,686 |
| Average equity | $11,303,500 | 4,543 |
| Average total loans | $64,479,500 | 4,445 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 2,970 |
| Cost of funding earning assets | 0.8567% | 929 |
| Net interest margin | 3.4409% | 4,129 |
| Noninterest income to average assets | 0.1538% | 6,168 |
| Noninterest expense to average assets | 2.1809% | 5,678 |
| Loan and lease loss provision to assets | 0.2084% | 1,776 |
| Net operating income to assets | 0.9296% | 2,648 |
| Return on assets (ROA) | 0.9296% | 2,726 |
| Pretax return on assets | 0.9296% | 3,645 |
| Return on Equity (ROE) | 8.4957% | 2,782 |
| Retained earnings to average equity (ytd only) | 8.4957% | 906 |
| Net charge-offs to loans | 0.1545% | 3,259 |
| Credit loss provision to net charge-offs | 201.9608% | 1,134 |
| Earnings coverage of net charge-offs (x) | 11.0294% | 2,286 |
| Efficiency ratio | 65.7117% | 4,610 |
| Assets per employee ($millions) | 4.3386% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5000% | 6,570 |
| Loan loss allowance to noncurrent loans | 220.8054% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 4,849 |
| Noncurrent loans to loans | 0.2264% | 5,509 |
| Net loans and leases to total assets | 62.8767% | 3,221 |
| Net loans and leases to deposits | 70.8561% | 3,673 |
| Net loans and leases to core deposits | 71.2431% | 4,161 |
| Total domestic deposits to total assets | 88.7386% | 1,786 |
| Equity capital to assets | 10.5901% | 3,060 |
| Core capital (leverage) ratio | 8.7772% | 5,318 |
| Tier 1 risk-based capital ratio | 12.2965% | 5,430 |
| Total risk-based capital ratio | 13.3457% | 5,501 |
| Memoranda: | ||
| Average total assets | $98,858,000 | 4,767 |
| Average earning assets | $90,935,200 | 4,748 |
| Average equity | $10,817,200 | 4,674 |
| Average total loans | $66,010,200 | 4,412 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 2,817 |
| Cost of funding earning assets | 0.8739% | 934 |
| Net interest margin | 3.4702% | 4,014 |
| Noninterest income to average assets | 0.1818% | 6,105 |
| Noninterest expense to average assets | 2.3005% | 5,341 |
| Loan and lease loss provision to assets | 0.0560% | 3,933 |
| Net operating income to assets | 1.0060% | 2,354 |
| Return on assets (ROA) | 1.0060% | 2,438 |
| Pretax return on assets | 1.0060% | 3,479 |
| Return on Equity (ROE) | 9.1160% | 2,581 |
| Retained earnings to average equity (ytd only) | 9.1160% | 1,026 |
| Net charge-offs to loans | 0.0020% | 5,175 |
| Credit loss provision to net charge-offs | 4,100.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 778.9248% | 63 |
| Efficiency ratio | 68.4146% | 4,009 |
| Assets per employee ($millions) | 4.3367% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4067% | 6,717 |
| Loan loss allowance to noncurrent loans | 88.3333% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 4,664 |
| Noncurrent loans to loans | 0.4604% | 5,039 |
| Net loans and leases to total assets | 65.0575% | 2,791 |
| Net loans and leases to deposits | 73.5817% | 3,300 |
| Net loans and leases to core deposits | 74.0013% | 3,848 |
| Total domestic deposits to total assets | 88.4153% | 1,885 |
| Equity capital to assets | 10.8929% | 2,866 |
| Core capital (leverage) ratio | 8.7033% | 5,533 |
| Tier 1 risk-based capital ratio | 12.3739% | 5,531 |
| Total risk-based capital ratio | 13.3577% | 5,648 |
| Memoranda: | ||
| Average total assets | $97,541,000 | 4,845 |
| Average earning assets | $89,406,000 | 4,833 |
| Average equity | $10,764,750 | 4,743 |
| Average total loans | $66,062,750 | 4,448 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4738% | 2,293 |
| Cost of funding earning assets | 0.8785% | 994 |
| Net interest margin | 3.5953% | 3,379 |
| Noninterest income to average assets | 0.1963% | 6,031 |
| Noninterest expense to average assets | 2.1569% | 5,732 |
| Loan and lease loss provision to assets | 0.0393% | 4,165 |
| Net operating income to assets | 1.2809% | 1,370 |
| Return on assets (ROA) | 1.2809% | 1,466 |
| Pretax return on assets | 1.2809% | 2,366 |
| Return on Equity (ROE) | 11.5550% | 1,618 |
| Retained earnings to average equity (ytd only) | 11.5550% | 556 |
| Net charge-offs to loans | 0.0030% | 4,865 |
| Credit loss provision to net charge-offs | 1,900.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 639.0000% | 63 |
| Efficiency ratio | 62.0321% | 5,167 |
| Assets per employee ($millions) | 3.8526% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3685% | 6,790 |
| Loan loss allowance to noncurrent loans | 72.1068% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 0.5830% | 4,793 |
| Noncurrent loans to loans | 0.5111% | 4,989 |
| Net loans and leases to total assets | 65.5875% | 2,665 |
| Net loans and leases to deposits | 74.0548% | 3,144 |
| Net loans and leases to core deposits | 74.4746% | 3,733 |
| Total domestic deposits to total assets | 88.5661% | 1,875 |
| Equity capital to assets | 10.7650% | 2,982 |
| Core capital (leverage) ratio | 8.7858% | 5,312 |
| Tier 1 risk-based capital ratio | 11.9535% | 5,816 |
| Total risk-based capital ratio | 13.0309% | 5,877 |
| Memoranda: | ||
| Average total assets | $96,806,670 | 4,890 |
| Average earning assets | $88,337,000 | 4,891 |
| Average equity | $10,731,330 | 4,787 |
| Average total loans | $66,365,000 | 4,450 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 2,043 |
| Cost of funding earning assets | 0.9069% | 956 |
| Net interest margin | 3.6274% | 3,150 |
| Noninterest income to average assets | 0.2187% | 5,912 |
| Noninterest expense to average assets | 2.0814% | 5,952 |
| Loan and lease loss provision to assets | -0.0126% | 6,739 |
| Net operating income to assets | 1.4633% | 928 |
| Return on assets (ROA) | 1.4633% | 1,008 |
| Pretax return on assets | 1.4633% | 1,672 |
| Return on Equity (ROE) | 13.0027% | 1,175 |
| Retained earnings to average equity (ytd only) | 13.0027% | 563 |
| Net charge-offs to loans | -0.0481% | 6,114 |
| Credit loss provision to net charge-offs | 37.5000% | 2,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9286% | 5,725 |
| Assets per employee ($millions) | 3.6759% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3424% | 6,878 |
| Loan loss allowance to noncurrent loans | 103.1390% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 5,092 |
| Noncurrent loans to loans | 0.3320% | 5,572 |
| Net loans and leases to total assets | 70.0421% | 1,653 |
| Net loans and leases to deposits | 79.6606% | 2,125 |
| Net loans and leases to core deposits | 80.1365% | 2,788 |
| Total domestic deposits to total assets | 87.9256% | 2,367 |
| Equity capital to assets | 11.3525% | 2,580 |
| Core capital (leverage) ratio | 8.6237% | 5,428 |
| Tier 1 risk-based capital ratio | 11.6216% | 6,120 |
| Total risk-based capital ratio | 12.6857% | 6,192 |
| Memoranda: | ||
| Average total assets | $95,126,500 | 4,974 |
| Average earning assets | $86,893,500 | 4,961 |
| Average equity | $10,705,500 | 4,834 |
| Average total loans | $66,577,500 | 4,470 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 3,393 |
| Cost of funding earning assets | 0.9326% | 1,747 |
| Net interest margin | 3.5669% | 4,240 |
| Noninterest income to average assets | -0.0710% | 6,902 |
| Noninterest expense to average assets | 2.5787% | 4,818 |
| Loan and lease loss provision to assets | 0.3162% | 2,163 |
| Net operating income to assets | 0.2508% | 5,634 |
| Return on assets (ROA) | 0.6968% | 4,005 |
| Pretax return on assets | 0.6968% | 4,676 |
| Return on Equity (ROE) | 5.9924% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.9924% | 2,080 |
| Net charge-offs to loans | 0.4384% | 2,478 |
| Credit loss provision to net charge-offs | 104.3956% | 2,862 |
| Earnings coverage of net charge-offs (x) | 1.8718% | 4,491 |
| Efficiency ratio | 81.5520% | 1,935 |
| Assets per employee ($millions) | 3.9450% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3410% | 6,928 |
| Loan loss allowance to noncurrent loans | 16.2221% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 2.3680% | 2,074 |
| Noncurrent loans to loans | 2.1021% | 2,579 |
| Net loans and leases to total assets | 69.4536% | 1,952 |
| Net loans and leases to deposits | 78.8049% | 2,421 |
| Net loans and leases to core deposits | 79.2781% | 3,114 |
| Total domestic deposits to total assets | 88.1336% | 2,143 |
| Equity capital to assets | 11.1545% | 2,784 |
| Core capital (leverage) ratio | 8.4454% | 5,702 |
| Tier 1 risk-based capital ratio | 11.3357% | 6,194 |
| Total risk-based capital ratio | 12.4138% | 6,253 |
| Memoranda: | ||
| Average total assets | $90,122,800 | 5,080 |
| Average earning assets | $81,275,200 | 5,095 |
| Average equity | $10,480,000 | 4,870 |
| Average total loans | $62,272,800 | 4,622 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 3,038 |
| Cost of funding earning assets | 0.9394% | 1,921 |
| Net interest margin | 3.7062% | 3,768 |
| Noninterest income to average assets | -0.0794% | 7,008 |
| Noninterest expense to average assets | 2.6401% | 4,604 |
| Loan and lease loss provision to assets | 0.3296% | 1,990 |
| Net operating income to assets | 0.2907% | 5,644 |
| Return on assets (ROA) | 0.8930% | 3,250 |
| Pretax return on assets | 0.8930% | 4,134 |
| Return on Equity (ROE) | 7.5972% | 3,478 |
| Retained earnings to average equity (ytd only) | 7.5972% | 1,800 |
| Net charge-offs to loans | 0.4651% | 2,242 |
| Credit loss provision to net charge-offs | 102.8037% | 2,863 |
| Earnings coverage of net charge-offs (x) | 1.9346% | 4,296 |
| Efficiency ratio | 80.4228% | 2,030 |
| Assets per employee ($millions) | 3.9841% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3416% | 7,044 |
| Loan loss allowance to noncurrent loans | 33.7984% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 1.7406% | 2,999 |
| Noncurrent loans to loans | 1.0107% | 4,430 |
| Net loans and leases to total assets | 69.4055% | 2,035 |
| Net loans and leases to deposits | 79.1269% | 2,521 |
| Net loans and leases to core deposits | 79.6192% | 3,254 |
| Total domestic deposits to total assets | 87.7142% | 2,218 |
| Equity capital to assets | 11.5939% | 2,653 |
| Core capital (leverage) ratio | 8.8209% | 5,310 |
| Tier 1 risk-based capital ratio | 11.5958% | 6,170 |
| Total risk-based capital ratio | 12.6924% | 6,232 |
| Memoranda: | ||
| Average total assets | $88,983,750 | 5,173 |
| Average earning assets | $80,188,500 | 5,175 |
| Average equity | $10,459,750 | 4,928 |
| Average total loans | $61,345,250 | 4,712 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 2,941 |
| Cost of funding earning assets | 0.9514% | 2,057 |
| Net interest margin | 3.7424% | 3,628 |
| Noninterest income to average assets | -0.1816% | 7,130 |
| Noninterest expense to average assets | 2.5970% | 4,789 |
| Loan and lease loss provision to assets | 0.1930% | 3,161 |
| Net operating income to assets | 0.3859% | 5,264 |
| Return on assets (ROA) | 1.2690% | 1,683 |
| Pretax return on assets | 1.2690% | 2,652 |
| Return on Equity (ROE) | 10.7448% | 2,082 |
| Retained earnings to average equity (ytd only) | 10.7448% | 797 |
| Net charge-offs to loans | 0.2677% | 2,976 |
| Credit loss provision to net charge-offs | 104.9383% | 2,587 |
| Earnings coverage of net charge-offs (x) | 3.1481% | 3,482 |
| Efficiency ratio | 80.9149% | 2,045 |
| Assets per employee ($millions) | 3.7960% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3538% | 7,097 |
| Loan loss allowance to noncurrent loans | 24.7446% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 2.0109% | 2,764 |
| Noncurrent loans to loans | 1.4297% | 3,774 |
| Net loans and leases to total assets | 67.4010% | 2,392 |
| Net loans and leases to deposits | 76.8590% | 2,861 |
| Net loans and leases to core deposits | 77.3402% | 3,610 |
| Total domestic deposits to total assets | 87.6943% | 2,339 |
| Equity capital to assets | 11.5769% | 2,516 |
| Core capital (leverage) ratio | 8.7499% | 5,297 |
| Tier 1 risk-based capital ratio | 11.9329% | 5,973 |
| Total risk-based capital ratio | 13.0671% | 6,018 |
| Memoranda: | ||
| Average total assets | $88,100,330 | 5,223 |
| Average earning assets | $79,039,670 | 5,238 |
| Average equity | $10,405,000 | 4,935 |
| Average total loans | $60,521,330 | 4,772 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 2,533 |
| Cost of funding earning assets | 0.9562% | 2,262 |
| Net interest margin | 3.8714% | 3,046 |
| Noninterest income to average assets | 0.0323% | 7,002 |
| Noninterest expense to average assets | 2.5405% | 5,022 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9330% | 2,777 |
| Return on assets (ROA) | 0.9330% | 2,980 |
| Pretax return on assets | 0.9330% | 3,920 |
| Return on Equity (ROE) | 7.8189% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.8189% | 2,046 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2074% | 3,401 |
| Assets per employee ($millions) | 3.8620% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3410% | 7,157 |
| Loan loss allowance to noncurrent loans | 22.8296% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 2.2561% | 2,642 |
| Noncurrent loans to loans | 1.4939% | 3,879 |
| Net loans and leases to total assets | 70.0722% | 1,738 |
| Net loans and leases to deposits | 80.5943% | 2,128 |
| Net loans and leases to core deposits | 81.1089% | 2,938 |
| Total domestic deposits to total assets | 86.9443% | 2,986 |
| Equity capital to assets | 11.7678% | 2,209 |
| Core capital (leverage) ratio | 8.6709% | 5,349 |
| Tier 1 risk-based capital ratio | 11.0948% | 6,496 |
| Total risk-based capital ratio | 12.1946% | 6,553 |
| Memoranda: | ||
| Average total assets | $86,598,500 | 5,302 |
| Average earning assets | $76,974,000 | 5,329 |
| Average equity | $10,334,000 | 4,962 |
| Average total loans | $59,970,500 | 4,819 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0273% | 2,771 |
| Cost of funding earning assets | 1.1830% | 2,143 |
| Net interest margin | 3.8443% | 3,599 |
| Noninterest income to average assets | 0.1854% | 6,170 |
| Noninterest expense to average assets | 2.7931% | 4,375 |
| Loan and lease loss provision to assets | 0.2684% | 3,529 |
| Net operating income to assets | 0.5343% | 4,292 |
| Return on assets (ROA) | 0.5343% | 4,485 |
| Pretax return on assets | 0.5343% | 4,888 |
| Return on Equity (ROE) | 4.2565% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.2565% | 3,157 |
| Net charge-offs to loans | 0.4156% | 3,344 |
| Credit loss provision to net charge-offs | 88.9831% | 4,054 |
| Earnings coverage of net charge-offs (x) | 2.6610% | 3,880 |
| Efficiency ratio | 76.6797% | 2,798 |
| Assets per employee ($millions) | 3.6683% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3705% | 7,183 |
| Loan loss allowance to noncurrent loans | 25.0883% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 2.4890% | 2,444 |
| Noncurrent loans to loans | 1.4769% | 3,940 |
| Net loans and leases to total assets | 67.8819% | 2,423 |
| Net loans and leases to deposits | 77.9020% | 2,857 |
| Net loans and leases to core deposits | 78.6941% | 3,605 |
| Total domestic deposits to total assets | 87.1376% | 2,682 |
| Equity capital to assets | 12.1074% | 2,040 |
| Core capital (leverage) ratio | 9.1342% | 4,569 |
| Tier 1 risk-based capital ratio | 11.8783% | 5,915 |
| Total risk-based capital ratio | 13.0911% | 5,919 |
| Memoranda: | ||
| Average total assets | $78,227,400 | 5,494 |
| Average earning assets | $69,400,800 | 5,558 |
| Average equity | $9,820,200 | 5,062 |
| Average total loans | $56,779,800 | 4,991 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0706% | 2,753 |
| Cost of funding earning assets | 1.2408% | 2,058 |
| Net interest margin | 3.8298% | 3,720 |
| Noninterest income to average assets | 0.1912% | 6,221 |
| Noninterest expense to average assets | 2.7608% | 4,494 |
| Loan and lease loss provision to assets | 0.3964% | 2,477 |
| Net operating income to assets | 0.4468% | 4,793 |
| Return on assets (ROA) | 0.4468% | 4,985 |
| Pretax return on assets | 0.4468% | 5,323 |
| Return on Equity (ROE) | 3.5248% | 5,213 |
| Retained earnings to average equity (ytd only) | 3.5248% | 4,232 |
| Net charge-offs to loans | 0.5959% | 2,474 |
| Credit loss provision to net charge-offs | 90.1186% | 3,768 |
| Earnings coverage of net charge-offs (x) | 1.9170% | 4,220 |
| Efficiency ratio | 75.5909% | 2,901 |
| Assets per employee ($millions) | 3.1229% | 5,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3770% | 7,244 |
| Loan loss allowance to noncurrent loans | 23.0769% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 2.7205% | 2,385 |
| Noncurrent loans to loans | 1.6336% | 3,841 |
| Net loans and leases to total assets | 72.0953% | 1,683 |
| Net loans and leases to deposits | 83.6086% | 2,062 |
| Net loans and leases to core deposits | 85.1517% | 2,890 |
| Total domestic deposits to total assets | 86.2296% | 3,076 |
| Equity capital to assets | 12.9469% | 1,641 |
| Core capital (leverage) ratio | 9.2349% | 4,565 |
| Tier 1 risk-based capital ratio | 12.0509% | 5,860 |
| Total risk-based capital ratio | 13.3116% | 5,840 |
| Memoranda: | ||
| Average total assets | $76,691,750 | 5,589 |
| Average earning assets | $68,339,500 | 5,640 |
| Average equity | $9,721,500 | 5,116 |
| Average total loans | $56,603,500 | 5,051 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0665% | 2,850 |
| Cost of funding earning assets | 1.2813% | 2,059 |
| Net interest margin | 3.7852% | 3,862 |
| Noninterest income to average assets | -0.0262% | 7,230 |
| Noninterest expense to average assets | 2.7731% | 4,532 |
| Loan and lease loss provision to assets | 0.5982% | 1,617 |
| Net operating income to assets | -0.0105% | 6,241 |
| Return on assets (ROA) | -0.0105% | 6,311 |
| Pretax return on assets | -0.0105% | 6,277 |
| Return on Equity (ROE) | -0.0834% | 6,311 |
| Retained earnings to average equity (ytd only) | -0.0834% | 5,854 |
| Net charge-offs to loans | 0.8369% | 1,830 |
| Credit loss provision to net charge-offs | 96.2025% | 3,266 |
| Earnings coverage of net charge-offs (x) | 0.9451% | 4,596 |
| Efficiency ratio | 81.4208% | 2,184 |
| Assets per employee ($millions) | 3.0818% | 5,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4152% | 7,286 |
| Loan loss allowance to noncurrent loans | 14.8100% | 6,869 |
| Noncurrent assets plus other real estate owned to assets | 3.0333% | 2,218 |
| Noncurrent loans to loans | 2.8032% | 2,593 |
| Net loans and leases to total assets | 71.6066% | 1,858 |
| Net loans and leases to deposits | 82.6653% | 2,347 |
| Net loans and leases to core deposits | 84.2136% | 3,178 |
| Total domestic deposits to total assets | 86.6223% | 2,975 |
| Equity capital to assets | 12.5419% | 1,761 |
| Core capital (leverage) ratio | 8.7908% | 5,065 |
| Tier 1 risk-based capital ratio | 11.6942% | 6,017 |
| Total risk-based capital ratio | 12.9981% | 5,976 |
| Memoranda: | ||
| Average total assets | $76,231,330 | 5,646 |
| Average earning assets | $68,213,330 | 5,690 |
| Average equity | $9,592,670 | 5,157 |
| Average total loans | $56,638,000 | 5,096 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0569% | 2,823 |
| Cost of funding earning assets | 1.3276% | 2,020 |
| Net interest margin | 3.7292% | 3,951 |
| Noninterest income to average assets | 0.1635% | 6,559 |
| Noninterest expense to average assets | 2.6271% | 5,122 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8704% | 2,703 |
| Return on assets (ROA) | 0.8704% | 2,759 |
| Pretax return on assets | 0.8704% | 3,622 |
| Return on Equity (ROE) | 6.9056% | 3,433 |
| Retained earnings to average equity (ytd only) | 6.9056% | 2,187 |
| Net charge-offs to loans | 0.0699% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,264 |
| Efficiency ratio | 74.0573% | 3,504 |
| Assets per employee ($millions) | 3.2873% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4056% | 7,346 |
| Loan loss allowance to noncurrent loans | 12.8435% | 6,963 |
| Noncurrent assets plus other real estate owned to assets | 3.6755% | 1,842 |
| Noncurrent loans to loans | 3.1583% | 2,382 |
| Net loans and leases to total assets | 74.3638% | 1,291 |
| Net loans and leases to deposits | 86.0367% | 1,722 |
| Net loans and leases to core deposits | 87.6830% | 2,644 |
| Total domestic deposits to total assets | 86.4327% | 3,271 |
| Equity capital to assets | 12.7817% | 1,482 |
| Core capital (leverage) ratio | 9.1391% | 4,391 |
| Tier 1 risk-based capital ratio | 12.0501% | 5,643 |
| Total risk-based capital ratio | 13.3594% | 5,589 |
| Memoranda: | ||
| Average total assets | $75,824,000 | 5,703 |
| Average earning assets | $67,789,000 | 5,738 |
| Average equity | $9,557,500 | 5,153 |
| Average total loans | $57,257,000 | 5,122 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9127% | 4,959 |
| Cost of funding earning assets | 1.5866% | 2,150 |
| Net interest margin | 3.3261% | 5,888 |
| Noninterest income to average assets | -0.0271% | 7,328 |
| Noninterest expense to average assets | 2.1668% | 6,702 |
| Loan and lease loss provision to assets | 1.1311% | 1,411 |
| Net operating income to assets | -0.3272% | 6,241 |
| Return on assets (ROA) | -0.3190% | 6,275 |
| Pretax return on assets | -0.3190% | 6,175 |
| Return on Equity (ROE) | -2.8936% | 6,269 |
| Retained earnings to average equity (ytd only) | -2.8936% | 6,089 |
| Net charge-offs to loans | 2.0996% | 948 |
| Credit loss provision to net charge-offs | 75.4317% | 5,719 |
| Earnings coverage of net charge-offs (x) | 0.5361% | 5,577 |
| Efficiency ratio | 71.8304% | 3,825 |
| Assets per employee ($millions) | 3.6210% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4116% | 7,419 |
| Loan loss allowance to noncurrent loans | 13.2044% | 7,035 |
| Noncurrent assets plus other real estate owned to assets | 3.5955% | 1,915 |
| Noncurrent loans to loans | 3.1175% | 2,448 |
| Net loans and leases to total assets | 76.0402% | 1,262 |
| Net loans and leases to deposits | 87.6673% | 1,839 |
| Net loans and leases to core deposits | 88.3154% | 3,010 |
| Total domestic deposits to total assets | 86.7372% | 2,954 |
| Equity capital to assets | 12.4290% | 1,683 |
| Core capital (leverage) ratio | 8.3783% | 5,581 |
| Tier 1 risk-based capital ratio | 11.0761% | 6,269 |
| Total risk-based capital ratio | 12.3282% | 6,239 |
| Memoranda: | ||
| Average total assets | $84,963,400 | 5,442 |
| Average earning assets | $76,577,200 | 5,461 |
| Average equity | $9,365,400 | 5,311 |
| Average total loans | $60,677,000 | 5,042 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8415% | 5,509 |
| Cost of funding earning assets | 1.6353% | 2,182 |
| Net interest margin | 3.2063% | 6,320 |
| Noninterest income to average assets | -0.0948% | 7,534 |
| Noninterest expense to average assets | 2.2371% | 6,503 |
| Loan and lease loss provision to assets | 0.7936% | 1,917 |
| Net operating income to assets | -0.2294% | 6,355 |
| Return on assets (ROA) | -0.2187% | 6,398 |
| Pretax return on assets | -0.2187% | 6,332 |
| Return on Equity (ROE) | -2.0405% | 6,411 |
| Retained earnings to average equity (ytd only) | -2.0405% | 6,211 |
| Net charge-offs to loans | 1.7870% | 1,087 |
| Credit loss provision to net charge-offs | 63.1387% | 5,612 |
| Earnings coverage of net charge-offs (x) | 0.4489% | 5,575 |
| Efficiency ratio | 78.7118% | 2,529 |
| Assets per employee ($millions) | 3.7126% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4162% | 7,517 |
| Loan loss allowance to noncurrent loans | 9.5880% | 7,189 |
| Noncurrent assets plus other real estate owned to assets | 4.2239% | 1,622 |
| Noncurrent loans to loans | 4.3409% | 1,675 |
| Net loans and leases to total assets | 72.9413% | 2,026 |
| Net loans and leases to deposits | 83.7862% | 2,741 |
| Net loans and leases to core deposits | 84.3604% | 3,891 |
| Total domestic deposits to total assets | 87.0565% | 2,497 |
| Equity capital to assets | 12.0094% | 2,154 |
| Core capital (leverage) ratio | 8.2655% | 5,938 |
| Tier 1 risk-based capital ratio | 10.9752% | 6,404 |
| Total risk-based capital ratio | 12.2099% | 6,398 |
| Memoranda: | ||
| Average total assets | $87,194,250 | 5,437 |
| Average earning assets | $78,760,750 | 5,451 |
| Average equity | $9,344,000 | 5,395 |
| Average total loans | $61,331,250 | 5,085 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8332% | 5,674 |
| Cost of funding earning assets | 1.7029% | 2,108 |
| Net interest margin | 3.1303% | 6,516 |
| Noninterest income to average assets | -0.2763% | 7,707 |
| Noninterest expense to average assets | 2.2037% | 6,639 |
| Loan and lease loss provision to assets | 0.9435% | 1,553 |
| Net operating income to assets | -0.5908% | 6,733 |
| Return on assets (ROA) | -0.5751% | 6,754 |
| Pretax return on assets | -0.5751% | 6,643 |
| Return on Equity (ROE) | -5.5719% | 6,747 |
| Retained earnings to average equity (ytd only) | -5.5719% | 6,618 |
| Net charge-offs to loans | 2.2836% | 781 |
| Credit loss provision to net charge-offs | 59.4901% | 5,214 |
| Earnings coverage of net charge-offs (x) | 0.2224% | 5,503 |
| Efficiency ratio | 84.9736% | 1,821 |
| Assets per employee ($millions) | 3.6245% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4398% | 7,570 |
| Loan loss allowance to noncurrent loans | 9.7758% | 7,267 |
| Noncurrent assets plus other real estate owned to assets | 4.1580% | 1,628 |
| Noncurrent loans to loans | 4.4986% | 1,615 |
| Net loans and leases to total assets | 69.2260% | 3,081 |
| Net loans and leases to deposits | 78.6354% | 3,860 |
| Net loans and leases to core deposits | 81.2299% | 4,524 |
| Total domestic deposits to total assets | 88.0341% | 1,982 |
| Equity capital to assets | 11.1014% | 2,770 |
| Core capital (leverage) ratio | 7.7867% | 6,517 |
| Tier 1 risk-based capital ratio | 10.5961% | 6,612 |
| Total risk-based capital ratio | 11.8375% | 6,615 |
| Memoranda: | ||
| Average total assets | $89,033,000 | 5,422 |
| Average earning assets | $80,567,330 | 5,414 |
| Average equity | $9,189,000 | 5,447 |
| Average total loans | $61,833,000 | 5,105 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 5,491 |
| Cost of funding earning assets | 1.7652% | 2,037 |
| Net interest margin | 3.1283% | 6,523 |
| Noninterest income to average assets | -0.7284% | 7,880 |
| Noninterest expense to average assets | 2.1631% | 6,773 |
| Loan and lease loss provision to assets | 1.8655% | 604 |
| Net operating income to assets | -1.9233% | 7,447 |
| Return on assets (ROA) | -1.8922% | 7,439 |
| Pretax return on assets | -1.8922% | 7,381 |
| Return on Equity (ROE) | -19.0285% | 7,421 |
| Retained earnings to average equity (ytd only) | -19.0285% | 7,351 |
| Net charge-offs to loans | 4.5307% | 281 |
| Credit loss provision to net charge-offs | 59.3220% | 4,315 |
| Earnings coverage of net charge-offs (x) | -0.0184% | 5,040 |
| Efficiency ratio | 101.2658% | 802 |
| Assets per employee ($millions) | 3.3599% | 5,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4197% | 7,677 |
| Loan loss allowance to noncurrent loans | 8.7273% | 7,351 |
| Noncurrent assets plus other real estate owned to assets | 4.2206% | 1,613 |
| Noncurrent loans to loans | 4.8085% | 1,528 |
| Net loans and leases to total assets | 71.7115% | 2,518 |
| Net loans and leases to deposits | 81.1990% | 3,429 |
| Net loans and leases to core deposits | 83.8015% | 4,234 |
| Total domestic deposits to total assets | 88.3158% | 1,896 |
| Equity capital to assets | 10.8097% | 2,944 |
| Core capital (leverage) ratio | 7.6591% | 6,667 |
| Tier 1 risk-based capital ratio | 10.0518% | 6,994 |
| Total risk-based capital ratio | 11.2591% | 7,017 |
| Memoranda: | ||
| Average total assets | $90,055,000 | 5,451 |
| Average earning assets | $81,578,000 | 5,450 |
| Average equity | $8,955,000 | 5,557 |
| Average total loans | $62,507,000 | 5,150 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9046% | 6,704 |
| Cost of funding earning assets | 2.0969% | 2,472 |
| Net interest margin | 2.8076% | 7,047 |
| Noninterest income to average assets | 0.3016% | 5,939 |
| Noninterest expense to average assets | 2.5390% | 5,990 |
| Loan and lease loss provision to assets | 2.6220% | 744 |
| Net operating income to assets | -2.3362% | 7,210 |
| Return on assets (ROA) | -2.3152% | 7,209 |
| Pretax return on assets | -2.3152% | 7,071 |
| Return on Equity (ROE) | -21.0141% | 7,174 |
| Retained earnings to average equity (ytd only) | -21.0141% | 7,145 |
| Net charge-offs to loans | 3.0034% | 707 |
| Credit loss provision to net charge-offs | 122.0723% | 4,339 |
| Earnings coverage of net charge-offs (x) | 0.1330% | 6,027 |
| Efficiency ratio | 88.5781% | 1,833 |
| Assets per employee ($millions) | 3.5674% | 4,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 6,869 |
| Loan loss allowance to noncurrent loans | 15.3803% | 7,244 |
| Noncurrent assets plus other real estate owned to assets | 4.7750% | 1,320 |
| Noncurrent loans to loans | 5.7789% | 1,097 |
| Net loans and leases to total assets | 66.3623% | 4,064 |
| Net loans and leases to deposits | 75.7799% | 4,778 |
| Net loans and leases to core deposits | 86.3975% | 5,485 |
| Total domestic deposits to total assets | 87.5724% | 2,187 |
| Equity capital to assets | 9.1285% | 4,943 |
| Core capital (leverage) ratio | 6.5883% | 7,450 |
| Tier 1 risk-based capital ratio | 8.1980% | 7,624 |
| Total risk-based capital ratio | 9.7789% | 7,611 |
| Memoranda: | ||
| Average total assets | $75,934,600 | 5,840 |
| Average earning assets | $68,242,400 | 5,860 |
| Average equity | $8,365,800 | 5,817 |
| Average total loans | $54,304,600 | 5,491 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0270% | 6,524 |
| Cost of funding earning assets | 2.1879% | 2,463 |
| Net interest margin | 2.8391% | 6,991 |
| Noninterest income to average assets | 0.3123% | 5,987 |
| Noninterest expense to average assets | 2.6283% | 5,605 |
| Loan and lease loss provision to assets | 3.7008% | 347 |
| Net operating income to assets | -3.4722% | 7,686 |
| Return on assets (ROA) | -3.3681% | 7,672 |
| Pretax return on assets | -3.3681% | 7,586 |
| Return on Equity (ROE) | -28.9664% | 7,584 |
| Retained earnings to average equity (ytd only) | -28.9664% | 7,574 |
| Net charge-offs to loans | 3.1681% | 510 |
| Credit loss provision to net charge-offs | 160.0482% | 2,965 |
| Earnings coverage of net charge-offs (x) | 0.0989% | 5,942 |
| Efficiency ratio | 90.5660% | 1,636 |
| Assets per employee ($millions) | 2.9774% | 6,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7056% | 2,606 |
| Loan loss allowance to noncurrent loans | 26.7827% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 5.4139% | 1,064 |
| Noncurrent loans to loans | 6.3682% | 913 |
| Net loans and leases to total assets | 69.9065% | 3,541 |
| Net loans and leases to deposits | 85.3188% | 3,448 |
| Net loans and leases to core deposits | 100.4492% | 4,326 |
| Total domestic deposits to total assets | 81.9356% | 4,698 |
| Equity capital to assets | 10.9298% | 3,080 |
| Core capital (leverage) ratio | 7.5030% | 6,966 |
| Tier 1 risk-based capital ratio | 9.2393% | 7,519 |
| Total risk-based capital ratio | 11.3496% | 6,822 |
| Memoranda: | ||
| Average total assets | $71,730,000 | 5,990 |
| Average earning assets | $64,291,750 | 6,024 |
| Average equity | $8,340,500 | 5,874 |
| Average total loans | $52,354,500 | 5,623 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 6,769 |
| Cost of funding earning assets | 2.2144% | 2,725 |
| Net interest margin | 2.7864% | 7,038 |
| Noninterest income to average assets | 0.3752% | 5,508 |
| Noninterest expense to average assets | 2.6949% | 5,399 |
| Loan and lease loss provision to assets | 4.6767% | 235 |
| Net operating income to assets | -4.4991% | 7,891 |
| Return on assets (ROA) | -4.3387% | 7,870 |
| Pretax return on assets | -4.3387% | 7,786 |
| Return on Equity (ROE) | -36.5046% | 7,807 |
| Retained earnings to average equity (ytd only) | -36.5046% | 7,792 |
| Net charge-offs to loans | 4.9014% | 253 |
| Credit loss provision to net charge-offs | 129.5004% | 3,590 |
| Earnings coverage of net charge-offs (x) | 0.0492% | 5,627 |
| Efficiency ratio | 92.4227% | 1,607 |
| Assets per employee ($millions) | 2.7395% | 6,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 5,758 |
| Loan loss allowance to noncurrent loans | 16.7110% | 7,299 |
| Noncurrent assets plus other real estate owned to assets | 5.7085% | 868 |
| Noncurrent loans to loans | 6.4238% | 829 |
| Net loans and leases to total assets | 73.1001% | 2,939 |
| Net loans and leases to deposits | 86.7277% | 3,408 |
| Net loans and leases to core deposits | 102.2465% | 4,267 |
| Total domestic deposits to total assets | 84.2869% | 3,602 |
| Equity capital to assets | 11.3370% | 2,642 |
| Core capital (leverage) ratio | 7.5602% | 6,948 |
| Tier 1 risk-based capital ratio | 9.2150% | 7,590 |
| Total risk-based capital ratio | 11.1321% | 6,989 |
| Memoranda: | ||
| Average total assets | $69,836,000 | 6,084 |
| Average earning assets | $62,589,330 | 6,126 |
| Average equity | $8,300,330 | 5,919 |
| Average total loans | $51,454,330 | 5,700 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 7,476 |
| Cost of funding earning assets | 2.2001% | 3,166 |
| Net interest margin | 2.5208% | 7,474 |
| Noninterest income to average assets | 0.4108% | 5,124 |
| Noninterest expense to average assets | 2.6844% | 5,078 |
| Loan and lease loss provision to assets | 6.4101% | 111 |
| Net operating income to assets | -6.4101% | 8,109 |
| Return on assets (ROA) | -6.0862% | 8,085 |
| Pretax return on assets | -6.0862% | 8,056 |
| Return on Equity (ROE) | -50.0178% | 8,047 |
| Retained earnings to average equity (ytd only) | -50.0178% | 8,030 |
| Net charge-offs to loans | 8.7053% | 79 |
| Credit loss provision to net charge-offs | 100.0903% | 3,712 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 4,976 |
| Efficiency ratio | 98.4914% | 1,193 |
| Assets per employee ($millions) | 2.6079% | 7,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3781% | 7,972 |
| Loan loss allowance to noncurrent loans | 4.1532% | 7,556 |
| Noncurrent assets plus other real estate owned to assets | 6.8534% | 509 |
| Noncurrent loans to loans | 9.1036% | 349 |
| Net loans and leases to total assets | 74.9978% | 2,500 |
| Net loans and leases to deposits | 88.6559% | 3,158 |
| Net loans and leases to core deposits | 102.1555% | 4,330 |
| Total domestic deposits to total assets | 84.5943% | 3,417 |
| Equity capital to assets | 11.5771% | 2,541 |
| Core capital (leverage) ratio | 7.3124% | 7,368 |
| Tier 1 risk-based capital ratio | 9.0771% | 7,745 |
| Total risk-based capital ratio | 9.4440% | 8,022 |
| Memoranda: | ||
| Average total assets | $69,140,500 | 6,138 |
| Average earning assets | $62,360,000 | 6,161 |
| Average equity | $8,413,000 | 5,914 |
| Average total loans | $50,865,500 | 5,766 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6649% | 6,887 |
| Cost of funding earning assets | 2.7695% | 2,835 |
| Net interest margin | 2.8954% | 7,164 |
| Noninterest income to average assets | 0.1585% | 7,287 |
| Noninterest expense to average assets | 2.4487% | 6,214 |
| Loan and lease loss provision to assets | 1.6021% | 823 |
| Net operating income to assets | -1.2811% | 7,377 |
| Return on assets (ROA) | -1.2811% | 7,323 |
| Pretax return on assets | -1.2811% | 7,156 |
| Return on Equity (ROE) | -11.0519% | 7,348 |
| Retained earnings to average equity (ytd only) | -16.7259% | 7,558 |
| Net charge-offs to loans | 2.8438% | 320 |
| Credit loss provision to net charge-offs | 85.4225% | 5,777 |
| Earnings coverage of net charge-offs (x) | 0.1711% | 6,145 |
| Efficiency ratio | 87.0768% | 1,757 |
| Assets per employee ($millions) | 2.7106% | 6,760 |
| Cash dividends to net income (ytd only)* | -51.3402% | 8,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3808% | 8,008 |
| Loan loss allowance to noncurrent loans | 5.4674% | 7,541 |
| Noncurrent assets plus other real estate owned to assets | 5.0089% | 692 |
| Noncurrent loans to loans | 6.9646% | 439 |
| Net loans and leases to total assets | 71.6453% | 3,665 |
| Net loans and leases to deposits | 85.7322% | 4,154 |
| Net loans and leases to core deposits | 95.2176% | 5,326 |
| Total domestic deposits to total assets | 83.5686% | 3,545 |
| Equity capital to assets | 12.7364% | 1,899 |
| Core capital (leverage) ratio | 8.3773% | 5,805 |
| Tier 1 risk-based capital ratio | 10.5616% | 6,142 |
| Total risk-based capital ratio | 10.9117% | 7,024 |
| Memoranda: | ||
| Average total assets | $75,714,200 | 5,848 |
| Average earning assets | $68,280,200 | 5,884 |
| Average equity | $8,776,800 | 5,817 |
| Average total loans | $49,932,400 | 5,704 |