Home > First Peoples Bank of Tennessee > Performance and Condition Ratios
First Peoples Bank of Tennessee, 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 | 4.1581% | 3,706 |
| Cost of funding earning assets | 1.2694% | 2,604 |
| Net interest margin | 2.8887% | 3,510 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.5874% | 2,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6319% | 3,359 |
| Return on assets (ROA) | 0.6310% | 3,334 |
| Pretax return on assets | 0.6825% | 3,470 |
| Return on Equity (ROE) | 8.4300% | 2,910 |
| Retained earnings to average equity (ytd only) | 5.7279% | 2,345 |
| Net charge-offs to loans | 0.0509% | 1,354 |
| Credit loss provision to net charge-offs | 297.0149% | 967 |
| Earnings coverage of net charge-offs (x) | 20.8209% | 1,849 |
| Efficiency ratio | 78.7747% | 1,004 |
| Assets per employee ($millions) | 5.4923% | 3,259 |
| Cash dividends to net income (ytd only)* | 32.0652% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6693% | 717 |
| Loan loss allowance to noncurrent loans | 4,993.3333% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 3,582 |
| Noncurrent loans to loans | 0.0334% | 3,493 |
| Net loans and leases to total assets | 63.4200% | 2,518 |
| Net loans and leases to deposits | 71.6523% | 2,775 |
| Net loans and leases to core deposits | 73.3453% | 3,108 |
| Total domestic deposits to total assets | 88.5100% | 1,203 |
| Equity capital to assets | 7.9091% | 3,476 |
| Core capital (leverage) ratio | 10.8959% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4605% | 1,003 |
| Memoranda: | ||
| Average total assets | $204,106,800 | 2,965 |
| Average earning assets | $189,223,200 | 2,954 |
| Average equity | $15,276,000 | 3,243 |
| Average total loans | $131,743,400 | 2,848 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 3,726 |
| Cost of funding earning assets | 1.1464% | 2,599 |
| Net interest margin | 2.9162% | 3,506 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.6225% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7298% | 3,232 |
| Return on assets (ROA) | 0.7285% | 3,219 |
| Pretax return on assets | 0.7929% | 3,347 |
| Return on Equity (ROE) | 9.8800% | 2,667 |
| Retained earnings to average equity (ytd only) | 7.1082% | 2,249 |
| Net charge-offs to loans | 0.0519% | 1,159 |
| Credit loss provision to net charge-offs | 335.2941% | 820 |
| Earnings coverage of net charge-offs (x) | 23.7059% | 1,725 |
| Efficiency ratio | 76.4276% | 1,137 |
| Assets per employee ($millions) | 5.3937% | 3,267 |
| Cash dividends to net income (ytd only)* | 28.0433% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 778 |
| Loan loss allowance to noncurrent loans | 2,108.4906% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 3,288 |
| Noncurrent loans to loans | 0.0785% | 3,200 |
| Net loans and leases to total assets | 64.7900% | 2,359 |
| Net loans and leases to deposits | 73.4070% | 2,614 |
| Net loans and leases to core deposits | 75.1876% | 2,919 |
| Total domestic deposits to total assets | 88.2600% | 1,491 |
| Equity capital to assets | 7.1652% | 3,529 |
| Core capital (leverage) ratio | 10.8775% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9528% | 1,333 |
| Memoranda: | ||
| Average total assets | $202,956,500 | 2,972 |
| Average earning assets | $188,643,250 | 2,959 |
| Average equity | $14,968,250 | 3,259 |
| Average total loans | $131,027,750 | 2,855 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9738% | 3,741 |
| Cost of funding earning assets | 0.9156% | 2,879 |
| Net interest margin | 3.0582% | 3,305 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.5676% | 2,009 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4584% | 3,895 |
| Return on assets (ROA) | 0.4568% | 3,904 |
| Pretax return on assets | 0.5695% | 3,851 |
| Return on Equity (ROE) | 6.1300% | 3,661 |
| Retained earnings to average equity (ytd only) | 3.3727% | 3,382 |
| Net charge-offs to loans | 0.0386% | 1,140 |
| Credit loss provision to net charge-offs | 664.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 23.1200% | 1,680 |
| Efficiency ratio | 81.4488% | 750 |
| Assets per employee ($millions) | 5.3098% | 3,318 |
| Cash dividends to net income (ytd only)* | 45.0216% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7271% | 700 |
| Loan loss allowance to noncurrent loans | 5,640.0000% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 3,630 |
| Noncurrent loans to loans | 0.0306% | 3,524 |
| Net loans and leases to total assets | 63.6200% | 2,419 |
| Net loans and leases to deposits | 74.5128% | 2,445 |
| Net loans and leases to core deposits | 76.2836% | 2,743 |
| Total domestic deposits to total assets | 85.3800% | 2,432 |
| Equity capital to assets | 7.4530% | 3,548 |
| Core capital (leverage) ratio | 10.6239% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5956% | 1,409 |
| Memoranda: | ||
| Average total assets | $202,288,000 | 2,985 |
| Average earning assets | $188,083,333 | 2,972 |
| Average equity | $15,062,333 | 3,262 |
| Average total loans | $129,695,000 | 2,865 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 3,721 |
| Cost of funding earning assets | 0.6537% | 3,206 |
| Net interest margin | 3.2235% | 3,058 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.5752% | 2,025 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5581% | 3,777 |
| Return on assets (ROA) | 0.5549% | 3,752 |
| Pretax return on assets | 0.7031% | 3,655 |
| Return on Equity (ROE) | 7.4600% | 3,415 |
| Retained earnings to average equity (ytd only) | 4.6701% | 3,094 |
| Net charge-offs to loans | 0.0867% | 645 |
| Credit loss provision to net charge-offs | 432.1429% | 594 |
| Earnings coverage of net charge-offs (x) | 12.7857% | 1,601 |
| Efficiency ratio | 78.0987% | 994 |
| Assets per employee ($millions) | 5.6712% | 3,050 |
| Cash dividends to net income (ytd only)* | 37.3665% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6887% | 831 |
| Loan loss allowance to noncurrent loans | 2,537.9310% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 3,358 |
| Noncurrent loans to loans | 0.0665% | 3,256 |
| Net loans and leases to total assets | 62.9600% | 2,363 |
| Net loans and leases to deposits | 75.0854% | 2,197 |
| Net loans and leases to core deposits | 76.7459% | 2,478 |
| Total domestic deposits to total assets | 83.8600% | 3,116 |
| Equity capital to assets | 7.6032% | 3,506 |
| Core capital (leverage) ratio | 10.6534% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4868% | 1,496 |
| Memoranda: | ||
| Average total assets | $202,546,000 | 3,026 |
| Average earning assets | $187,868,000 | 3,012 |
| Average equity | $15,074,500 | 3,299 |
| Average total loans | $129,232,500 | 2,895 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6759% | 2,596 |
| Cost of funding earning assets | 0.1565% | 4,088 |
| Net interest margin | 3.5193% | 1,868 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.5015% | 2,111 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6945% | 3,632 |
| Return on assets (ROA) | 0.6999% | 3,567 |
| Pretax return on assets | 0.8664% | 3,440 |
| Return on Equity (ROE) | 9.7000% | 2,906 |
| Retained earnings to average equity (ytd only) | 8.2513% | 1,737 |
| Net charge-offs to loans | -0.0340% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.0090% | 1,324 |
| Assets per employee ($millions) | 5.7408% | 2,998 |
| Cash dividends to net income (ytd only)* | 14.9692% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 726 |
| Loan loss allowance to noncurrent loans | 1,896.6102% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 3,224 |
| Noncurrent loans to loans | 0.0924% | 3,097 |
| Net loans and leases to total assets | 62.4500% | 2,391 |
| Net loans and leases to deposits | 70.9274% | 2,496 |
| Net loans and leases to core deposits | 72.5767% | 2,677 |
| Total domestic deposits to total assets | 88.0400% | 2,063 |
| Equity capital to assets | 7.2792% | 3,500 |
| Core capital (leverage) ratio | 10.1767% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3086% | 1,532 |
| Memoranda: | ||
| Average total assets | $209,034,400 | 2,984 |
| Average earning assets | $189,126,000 | 3,006 |
| Average equity | $15,076,400 | 3,364 |
| Average total loans | $126,400,200 | 2,863 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6143% | 2,305 |
| Cost of funding earning assets | 0.1362% | 3,978 |
| Net interest margin | 3.4781% | 1,727 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.5237% | 1,946 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.5666% | 3,921 |
| Return on assets (ROA) | 0.5736% | 3,855 |
| Pretax return on assets | 0.7328% | 3,729 |
| Return on Equity (ROE) | 7.9700% | 3,345 |
| Retained earnings to average equity (ytd only) | 6.9698% | 2,369 |
| Net charge-offs to loans | 0.0095% | 1,774 |
| Credit loss provision to net charge-offs | 1,488.8889% | 308 |
| Earnings coverage of net charge-offs (x) | 142.2222% | 766 |
| Efficiency ratio | 75.4123% | 1,126 |
| Assets per employee ($millions) | 5.8235% | 2,913 |
| Cash dividends to net income (ytd only)* | 12.5551% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7171% | 846 |
| Loan loss allowance to noncurrent loans | 1,925.2174% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 3,328 |
| Noncurrent loans to loans | 0.0892% | 3,242 |
| Net loans and leases to total assets | 62.1700% | 2,265 |
| Net loans and leases to deposits | 68.4266% | 2,501 |
| Net loans and leases to core deposits | 69.8466% | 2,654 |
| Total domestic deposits to total assets | 90.8600% | 1,298 |
| Equity capital to assets | 6.6788% | 3,665 |
| Core capital (leverage) ratio | 9.8199% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0502% | 1,695 |
| Memoranda: | ||
| Average total assets | $211,060,750 | 2,995 |
| Average earning assets | $189,910,000 | 3,022 |
| Average equity | $15,189,000 | 3,390 |
| Average total loans | $126,072,750 | 2,869 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4661% | 2,233 |
| Cost of funding earning assets | 0.1361% | 3,758 |
| Net interest margin | 3.3300% | 1,818 |
| Noninterest income to average assets | 0.1574% | 4,232 |
| Noninterest expense to average assets | 2.4556% | 2,069 |
| Loan and lease loss provision to assets | 0.1162% | 865 |
| Net operating income to assets | 0.4472% | 4,008 |
| Return on assets (ROA) | 0.4553% | 3,944 |
| Pretax return on assets | 0.5762% | 3,857 |
| Return on Equity (ROE) | 6.1854% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.1854% | 2,276 |
| Net charge-offs to loans | 0.0192% | 1,353 |
| Credit loss provision to net charge-offs | 1,033.3333% | 390 |
| Earnings coverage of net charge-offs (x) | 60.6667% | 1,075 |
| Efficiency ratio | 77.9337% | 1,087 |
| Assets per employee ($millions) | 5.9641% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 1,000 |
| Loan loss allowance to noncurrent loans | 1,606.5693% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,342 |
| Noncurrent loans to loans | 0.1043% | 3,227 |
| Net loans and leases to total assets | 60.1263% | 2,314 |
| Net loans and leases to deposits | 66.2377% | 2,525 |
| Net loans and leases to core deposits | 67.8364% | 2,668 |
| Total domestic deposits to total assets | 90.7735% | 1,354 |
| Equity capital to assets | 6.8754% | 3,834 |
| Core capital (leverage) ratio | 9.6637% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6587% | 1,815 |
| Memoranda: | ||
| Average total assets | $213,473,000 | 2,999 |
| Average earning assets | $191,050,333 | 3,056 |
| Average equity | $15,714,333 | 3,428 |
| Average total loans | $125,117,667 | 2,893 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3436% | 2,261 |
| Cost of funding earning assets | 0.1339% | 3,717 |
| Net interest margin | 3.2097% | 1,860 |
| Noninterest income to average assets | 0.0207% | 4,719 |
| Noninterest expense to average assets | 2.4730% | 1,950 |
| Loan and lease loss provision to assets | 0.0244% | 1,921 |
| Net operating income to assets | 0.3280% | 4,090 |
| Return on assets (ROA) | 0.3401% | 4,040 |
| Pretax return on assets | 0.4209% | 4,000 |
| Return on Equity (ROE) | 4.4718% | 3,768 |
| Retained earnings to average equity (ytd only) | 4.4718% | 2,790 |
| Net charge-offs to loans | 0.0328% | 975 |
| Credit loss provision to net charge-offs | 130.0000% | 902 |
| Earnings coverage of net charge-offs (x) | 22.9000% | 1,234 |
| Efficiency ratio | 84.7896% | 798 |
| Assets per employee ($millions) | 5.8657% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 997 |
| Loan loss allowance to noncurrent loans | 1,515.9420% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 3,423 |
| Noncurrent loans to loans | 0.1142% | 3,257 |
| Net loans and leases to total assets | 54.7053% | 2,664 |
| Net loans and leases to deposits | 60.7199% | 2,831 |
| Net loans and leases to core deposits | 62.4431% | 2,932 |
| Total domestic deposits to total assets | 90.0945% | 1,505 |
| Equity capital to assets | 7.5823% | 3,870 |
| Core capital (leverage) ratio | 9.5657% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2090% | 1,718 |
| Memoranda: | ||
| Average total assets | $212,855,500 | 3,019 |
| Average earning assets | $191,172,000 | 3,070 |
| Average equity | $16,190,500 | 3,452 |
| Average total loans | $122,028,000 | 2,929 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 1,777 |
| Cost of funding earning assets | 0.1479% | 3,998 |
| Net interest margin | 3.6897% | 1,238 |
| Noninterest income to average assets | 0.2869% | 3,673 |
| Noninterest expense to average assets | 2.7009% | 1,634 |
| Loan and lease loss provision to assets | -0.2707% | 4,759 |
| Net operating income to assets | 0.8025% | 3,325 |
| Return on assets (ROA) | 0.8400% | 3,283 |
| Pretax return on assets | 1.0855% | 3,017 |
| Return on Equity (ROE) | 10.6398% | 2,296 |
| Retained earnings to average equity (ytd only) | 10.3077% | 842 |
| Net charge-offs to loans | -0.1900% | 4,699 |
| Credit loss provision to net charge-offs | 236.5639% | 1,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5549% | 986 |
| Assets per employee ($millions) | 5.0897% | 3,655 |
| Cash dividends to net income (ytd only)* | 3.1212% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 1,055 |
| Loan loss allowance to noncurrent loans | 1,250.8982% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 889 |
| Noncurrent loans to loans | 0.1355% | 3,250 |
| Net loans and leases to total assets | 58.0542% | 2,366 |
| Net loans and leases to deposits | 65.1303% | 2,586 |
| Net loans and leases to core deposits | 66.7984% | 2,754 |
| Total domestic deposits to total assets | 89.1355% | 1,443 |
| Equity capital to assets | 7.6313% | 4,542 |
| Core capital (leverage) ratio | 8.4027% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7355% | 2,717 |
| Memoranda: | ||
| Average total assets | $198,343,200 | 3,078 |
| Average earning assets | $171,018,000 | 3,176 |
| Average equity | $15,658,200 | 3,573 |
| Average total loans | $119,482,200 | 2,958 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9460% | 1,649 |
| Cost of funding earning assets | 0.1500% | 4,109 |
| Net interest margin | 3.7960% | 1,126 |
| Noninterest income to average assets | 0.3126% | 3,557 |
| Noninterest expense to average assets | 2.7611% | 1,432 |
| Loan and lease loss provision to assets | -0.3836% | 4,857 |
| Net operating income to assets | 0.8873% | 3,285 |
| Return on assets (ROA) | 0.9379% | 3,213 |
| Pretax return on assets | 1.2403% | 2,803 |
| Return on Equity (ROE) | 11.7754% | 2,126 |
| Retained earnings to average equity (ytd only) | 11.7754% | 884 |
| Net charge-offs to loans | -0.2913% | 4,803 |
| Credit loss provision to net charge-offs | 217.3745% | 1,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3668% | 925 |
| Assets per employee ($millions) | 5.2004% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7383% | 1,036 |
| Loan loss allowance to noncurrent loans | 1,254.4910% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 1,004 |
| Noncurrent loans to loans | 0.1386% | 3,418 |
| Net loans and leases to total assets | 56.9303% | 2,621 |
| Net loans and leases to deposits | 64.5804% | 2,782 |
| Net loans and leases to core deposits | 65.7059% | 2,976 |
| Total domestic deposits to total assets | 88.1542% | 1,742 |
| Equity capital to assets | 7.7187% | 4,644 |
| Core capital (leverage) ratio | 8.4714% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1682% | 2,656 |
| Memoranda: | ||
| Average total assets | $195,759,250 | 3,135 |
| Average earning assets | $167,153,250 | 3,244 |
| Average equity | $15,591,500 | 3,618 |
| Average total loans | $118,543,750 | 3,004 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0523% | 1,446 |
| Cost of funding earning assets | 0.1520% | 4,195 |
| Net interest margin | 3.9004% | 971 |
| Noninterest income to average assets | 0.2869% | 3,706 |
| Noninterest expense to average assets | 2.8371% | 1,276 |
| Loan and lease loss provision to assets | -0.5979% | 4,920 |
| Net operating income to assets | 1.0282% | 2,796 |
| Return on assets (ROA) | 1.0768% | 2,689 |
| Pretax return on assets | 1.4295% | 2,243 |
| Return on Equity (ROE) | 13.3708% | 1,601 |
| Retained earnings to average equity (ytd only) | 13.3708% | 656 |
| Net charge-offs to loans | -0.4343% | 4,867 |
| Credit loss provision to net charge-offs | 223.8281% | 1,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3338% | 892 |
| Assets per employee ($millions) | 4.7792% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7427% | 981 |
| Loan loss allowance to noncurrent loans | 1,246.7066% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.7849% | 1,035 |
| Noncurrent loans to loans | 0.1398% | 3,499 |
| Net loans and leases to total assets | 59.9079% | 2,438 |
| Net loans and leases to deposits | 68.3157% | 2,587 |
| Net loans and leases to core deposits | 69.4840% | 2,830 |
| Total domestic deposits to total assets | 87.6927% | 1,989 |
| Equity capital to assets | 8.0516% | 4,501 |
| Core capital (leverage) ratio | 8.4238% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0974% | 2,684 |
| Memoranda: | ||
| Average total assets | $191,674,333 | 3,164 |
| Average earning assets | $163,164,667 | 3,277 |
| Average equity | $15,436,667 | 3,642 |
| Average total loans | $117,885,667 | 3,026 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 1,181 |
| Cost of funding earning assets | 0.1556% | 4,268 |
| Net interest margin | 4.0561% | 780 |
| Noninterest income to average assets | 0.2976% | 3,627 |
| Noninterest expense to average assets | 2.9482% | 1,068 |
| Loan and lease loss provision to assets | -1.2093% | 4,965 |
| Net operating income to assets | 1.4742% | 1,389 |
| Return on assets (ROA) | 1.5343% | 1,316 |
| Pretax return on assets | 2.0450% | 883 |
| Return on Equity (ROE) | 19.0482% | 619 |
| Retained earnings to average equity (ytd only) | 19.0482% | 316 |
| Net charge-offs to loans | -0.8643% | 4,912 |
| Credit loss provision to net charge-offs | 226.4822% | 849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1690% | 879 |
| Assets per employee ($millions) | 4.6847% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7497% | 942 |
| Loan loss allowance to noncurrent loans | 1,315.8228% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 1,130 |
| Noncurrent loans to loans | 0.1330% | 3,650 |
| Net loans and leases to total assets | 60.7787% | 2,431 |
| Net loans and leases to deposits | 69.0324% | 2,598 |
| Net loans and leases to core deposits | 70.4301% | 2,834 |
| Total domestic deposits to total assets | 88.0437% | 1,827 |
| Equity capital to assets | 7.9600% | 4,517 |
| Core capital (leverage) ratio | 8.4775% | 4,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1495% | 2,607 |
| Memoranda: | ||
| Average total assets | $189,537,000 | 3,169 |
| Average earning assets | $159,363,000 | 3,311 |
| Average equity | $15,266,500 | 3,661 |
| Average total loans | $117,093,000 | 3,040 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4162% | 1,535 |
| Cost of funding earning assets | 0.3003% | 4,142 |
| Net interest margin | 4.1159% | 757 |
| Noninterest income to average assets | 0.4305% | 2,957 |
| Noninterest expense to average assets | 2.8993% | 1,686 |
| Loan and lease loss provision to assets | 2.5832% | 21 |
| Net operating income to assets | -1.0910% | 4,938 |
| Return on assets (ROA) | -1.0366% | 4,934 |
| Pretax return on assets | -1.4491% | 4,942 |
| Return on Equity (ROE) | -12.1726% | 4,957 |
| Retained earnings to average equity (ytd only) | -14.0358% | 4,943 |
| Net charge-offs to loans | 2.7207% | 33 |
| Credit loss provision to net charge-offs | 138.5048% | 2,494 |
| Earnings coverage of net charge-offs (x) | 0.5712% | 3,315 |
| Efficiency ratio | 72.8075% | 1,597 |
| Assets per employee ($millions) | 5.1944% | 3,168 |
| Cash dividends to net income (ytd only)* | -15.3067% | 4,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0795% | 503 |
| Loan loss allowance to noncurrent loans | 207.1675% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 1.3524% | 584 |
| Noncurrent loans to loans | 1.0038% | 1,414 |
| Net loans and leases to total assets | 60.4107% | 2,807 |
| Net loans and leases to deposits | 68.7488% | 3,006 |
| Net loans and leases to core deposits | 70.0703% | 3,248 |
| Total domestic deposits to total assets | 87.8717% | 1,548 |
| Equity capital to assets | 8.1519% | 4,639 |
| Core capital (leverage) ratio | 8.7738% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6392% | 2,387 |
| Memoranda: | ||
| Average total assets | $171,418,400 | 3,182 |
| Average earning assets | $147,183,800 | 3,298 |
| Average equity | $14,598,400 | 3,687 |
| Average total loans | $117,506,000 | 3,006 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 1,515 |
| Cost of funding earning assets | 0.3381% | 4,112 |
| Net interest margin | 4.1854% | 754 |
| Noninterest income to average assets | 0.5245% | 2,504 |
| Noninterest expense to average assets | 3.0475% | 1,341 |
| Loan and lease loss provision to assets | 3.4927% | 19 |
| Net operating income to assets | -1.7552% | 4,980 |
| Return on assets (ROA) | -1.6905% | 4,979 |
| Pretax return on assets | -2.3073% | 4,991 |
| Return on Equity (ROE) | -19.6158% | 4,998 |
| Retained earnings to average equity (ytd only) | -22.1278% | 4,986 |
| Net charge-offs to loans | 1.7169% | 60 |
| Credit loss provision to net charge-offs | 288.6842% | 1,802 |
| Earnings coverage of net charge-offs (x) | 0.9118% | 3,110 |
| Efficiency ratio | 73.0968% | 1,511 |
| Assets per employee ($millions) | 4.7762% | 3,510 |
| Cash dividends to net income (ytd only)* | -12.8060% | 4,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3041% | 107 |
| Loan loss allowance to noncurrent loans | 129.7332% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 2.4695% | 223 |
| Noncurrent loans to loans | 2.5468% | 407 |
| Net loans and leases to total assets | 65.0800% | 2,633 |
| Net loans and leases to deposits | 74.5312% | 2,911 |
| Net loans and leases to core deposits | 75.6510% | 3,199 |
| Total domestic deposits to total assets | 87.3192% | 1,535 |
| Equity capital to assets | 8.2597% | 4,597 |
| Core capital (leverage) ratio | 8.7652% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5384% | 2,777 |
| Memoranda: | ||
| Average total assets | $167,523,000 | 3,201 |
| Average earning assets | $145,134,500 | 3,306 |
| Average equity | $14,437,000 | 3,700 |
| Average total loans | $118,040,750 | 3,013 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 1,613 |
| Cost of funding earning assets | 0.3569% | 4,237 |
| Net interest margin | 4.2589% | 814 |
| Noninterest income to average assets | 0.5624% | 2,292 |
| Noninterest expense to average assets | 3.1437% | 1,255 |
| Loan and lease loss provision to assets | 6.2481% | 10 |
| Net operating income to assets | -3.7671% | 5,038 |
| Return on assets (ROA) | -3.6730% | 5,037 |
| Pretax return on assets | -4.9882% | 5,049 |
| Return on Equity (ROE) | -41.9721% | 5,052 |
| Retained earnings to average equity (ytd only) | -45.7890% | 5,045 |
| Net charge-offs to loans | 4.1467% | 21 |
| Credit loss provision to net charge-offs | 210.3348% | 1,872 |
| Earnings coverage of net charge-offs (x) | 0.3840% | 2,924 |
| Efficiency ratio | 73.0582% | 1,561 |
| Assets per employee ($millions) | 4.5886% | 3,665 |
| Cash dividends to net income (ytd only)* | -9.0939% | 5,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1304% | 124 |
| Loan loss allowance to noncurrent loans | 118.7558% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 2.6393% | 203 |
| Noncurrent loans to loans | 2.6360% | 425 |
| Net loans and leases to total assets | 68.0958% | 2,338 |
| Net loans and leases to deposits | 77.4650% | 2,715 |
| Net loans and leases to core deposits | 78.5151% | 3,068 |
| Total domestic deposits to total assets | 87.9053% | 1,230 |
| Equity capital to assets | 8.0813% | 4,679 |
| Core capital (leverage) ratio | 8.4698% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7604% | 3,031 |
| Memoranda: | ||
| Average total assets | $162,865,667 | 3,220 |
| Average earning assets | $142,337,667 | 3,318 |
| Average equity | $14,252,333 | 3,733 |
| Average total loans | $116,670,000 | 3,020 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 1,297 |
| Cost of funding earning assets | 0.3769% | 4,437 |
| Net interest margin | 4.4802% | 531 |
| Noninterest income to average assets | 0.5703% | 2,176 |
| Noninterest expense to average assets | 3.3402% | 1,156 |
| Loan and lease loss provision to assets | 0.1909% | 1,571 |
| Net operating income to assets | 0.7456% | 3,110 |
| Return on assets (ROA) | 0.8401% | 2,839 |
| Pretax return on assets | 1.1227% | 2,444 |
| Return on Equity (ROE) | 9.2095% | 2,024 |
| Retained earnings to average equity (ytd only) | 5.4141% | 2,109 |
| Net charge-offs to loans | -0.0070% | 3,956 |
| Credit loss provision to net charge-offs | -3,750.0000% | 3,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3296% | 1,901 |
| Assets per employee ($millions) | 3.8282% | 4,137 |
| Cash dividends to net income (ytd only)* | 41.2121% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 3,333 |
| Loan loss allowance to noncurrent loans | 2,648.9362% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.9034% | 1,481 |
| Noncurrent loans to loans | 0.0406% | 4,395 |
| Net loans and leases to total assets | 72.9833% | 1,782 |
| Net loans and leases to deposits | 84.1693% | 2,204 |
| Net loans and leases to core deposits | 85.1294% | 2,747 |
| Total domestic deposits to total assets | 86.7102% | 1,689 |
| Equity capital to assets | 9.2530% | 4,428 |
| Core capital (leverage) ratio | 9.0681% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5873% | 2,895 |
| Memoranda: | ||
| Average total assets | $157,115,500 | 3,242 |
| Average earning assets | $139,012,000 | 3,324 |
| Average equity | $14,333,000 | 3,731 |
| Average total loans | $113,718,500 | 3,033 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8114% | 2,011 |
| Cost of funding earning assets | 0.3898% | 4,475 |
| Net interest margin | 4.4216% | 857 |
| Noninterest income to average assets | 0.7011% | 1,817 |
| Noninterest expense to average assets | 3.4574% | 1,022 |
| Loan and lease loss provision to assets | 0.0125% | 3,763 |
| Net operating income to assets | 0.8364% | 3,428 |
| Return on assets (ROA) | 0.8494% | 3,478 |
| Pretax return on assets | 1.1340% | 3,062 |
| Return on Equity (ROE) | 9.3879% | 2,574 |
| Retained earnings to average equity (ytd only) | 4.7923% | 2,540 |
| Net charge-offs to loans | 0.0329% | 2,731 |
| Credit loss provision to net charge-offs | 54.2857% | 3,090 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 1,144 |
| Efficiency ratio | 75.0503% | 1,481 |
| Assets per employee ($millions) | 3.5745% | 4,402 |
| Cash dividends to net income (ytd only)* | 48.9527% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 3,242 |
| Loan loss allowance to noncurrent loans | 2,485.1064% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.9169% | 1,389 |
| Noncurrent loans to loans | 0.0421% | 4,391 |
| Net loans and leases to total assets | 70.2415% | 2,362 |
| Net loans and leases to deposits | 80.2739% | 2,749 |
| Net loans and leases to core deposits | 81.6245% | 3,164 |
| Total domestic deposits to total assets | 87.5022% | 1,364 |
| Equity capital to assets | 8.9925% | 4,684 |
| Core capital (leverage) ratio | 9.2560% | 4,317 |
| Tier 1 risk-based capital ratio | 11.9267% | 4,405 |
| Total risk-based capital ratio | 12.9176% | 4,431 |
| Memoranda: | ||
| Average total assets | $151,760,200 | 3,274 |
| Average earning assets | $133,391,000 | 3,378 |
| Average equity | $13,730,400 | 3,784 |
| Average total loans | $106,396,000 | 3,137 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8260% | 2,043 |
| Cost of funding earning assets | 0.3942% | 4,523 |
| Net interest margin | 4.4319% | 880 |
| Noninterest income to average assets | 0.7120% | 1,733 |
| Noninterest expense to average assets | 3.4631% | 994 |
| Loan and lease loss provision to assets | 0.0106% | 3,678 |
| Net operating income to assets | 0.8434% | 3,535 |
| Return on assets (ROA) | 0.8609% | 3,557 |
| Pretax return on assets | 1.1482% | 3,140 |
| Return on Equity (ROE) | 9.5003% | 2,671 |
| Retained earnings to average equity (ytd only) | 5.5084% | 2,621 |
| Net charge-offs to loans | 0.0469% | 2,164 |
| Credit loss provision to net charge-offs | 32.4324% | 2,898 |
| Earnings coverage of net charge-offs (x) | 34.6501% | 1,489 |
| Efficiency ratio | 74.9614% | 1,449 |
| Assets per employee ($millions) | 3.7649% | 4,200 |
| Cash dividends to net income (ytd only)* | 42.0190% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9594% | 1,404 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.4251% | 2,726 |
| Net loans and leases to deposits | 77.8267% | 3,112 |
| Net loans and leases to core deposits | 78.7124% | 3,491 |
| Total domestic deposits to total assets | 87.9198% | 1,065 |
| Equity capital to assets | 9.1235% | 4,714 |
| Core capital (leverage) ratio | 9.2876% | 4,381 |
| Tier 1 risk-based capital ratio | 12.0692% | 4,385 |
| Total risk-based capital ratio | 13.0710% | 4,394 |
| Memoranda: | ||
| Average total assets | $150,381,250 | 3,327 |
| Average earning assets | $131,919,750 | 3,430 |
| Average equity | $13,627,250 | 3,840 |
| Average total loans | $105,084,750 | 3,191 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7926% | 2,084 |
| Cost of funding earning assets | 0.4059% | 4,486 |
| Net interest margin | 4.3868% | 965 |
| Noninterest income to average assets | 0.7380% | 1,572 |
| Noninterest expense to average assets | 3.4551% | 1,018 |
| Loan and lease loss provision to assets | -0.0040% | 5,102 |
| Net operating income to assets | 0.8462% | 3,483 |
| Return on assets (ROA) | 0.8695% | 3,466 |
| Pretax return on assets | 1.1593% | 3,042 |
| Return on Equity (ROE) | 9.6176% | 2,578 |
| Retained earnings to average equity (ytd only) | 5.5806% | 2,482 |
| Net charge-offs to loans | 0.0804% | 1,556 |
| Credit loss provision to net charge-offs | -7.1429% | 3,753 |
| Earnings coverage of net charge-offs (x) | 19.9762% | 1,793 |
| Efficiency ratio | 75.1025% | 1,501 |
| Assets per employee ($millions) | 3.5898% | 4,386 |
| Cash dividends to net income (ytd only)* | 41.9753% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 3,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9989% | 1,396 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 69.3025% | 2,628 |
| Net loans and leases to deposits | 79.0617% | 3,055 |
| Net loans and leases to core deposits | 79.9859% | 3,423 |
| Total domestic deposits to total assets | 87.6561% | 1,266 |
| Equity capital to assets | 9.1974% | 4,656 |
| Core capital (leverage) ratio | 9.2846% | 4,373 |
| Tier 1 risk-based capital ratio | 11.7339% | 4,552 |
| Total risk-based capital ratio | 12.7041% | 4,601 |
| Memoranda: | ||
| Average total assets | $149,055,000 | 3,366 |
| Average earning assets | $130,575,000 | 3,469 |
| Average equity | $13,475,330 | 3,866 |
| Average total loans | $104,519,670 | 3,216 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 2,460 |
| Cost of funding earning assets | 0.3901% | 4,527 |
| Net interest margin | 4.2323% | 1,236 |
| Noninterest income to average assets | 0.6856% | 1,663 |
| Noninterest expense to average assets | 3.3901% | 1,125 |
| Loan and lease loss provision to assets | 0.0621% | 2,413 |
| Net operating income to assets | 0.7180% | 3,878 |
| Return on assets (ROA) | 0.7180% | 3,922 |
| Pretax return on assets | 0.9528% | 3,606 |
| Return on Equity (ROE) | 8.0123% | 3,256 |
| Retained earnings to average equity (ytd only) | 3.9158% | 3,339 |
| Net charge-offs to loans | 0.0192% | 2,078 |
| Credit loss provision to net charge-offs | 460.0000% | 640 |
| Earnings coverage of net charge-offs (x) | 75.2000% | 802 |
| Efficiency ratio | 76.5931% | 1,437 |
| Assets per employee ($millions) | 3.5107% | 4,551 |
| Cash dividends to net income (ytd only)* | 51.1278% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 2,816 |
| Loan loss allowance to noncurrent loans | 155.6995% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 1.5450% | 759 |
| Noncurrent loans to loans | 0.7423% | 2,168 |
| Net loans and leases to total assets | 69.7181% | 2,529 |
| Net loans and leases to deposits | 81.7044% | 2,640 |
| Net loans and leases to core deposits | 82.3590% | 3,157 |
| Total domestic deposits to total assets | 85.3297% | 2,556 |
| Equity capital to assets | 9.1239% | 4,596 |
| Core capital (leverage) ratio | 9.1650% | 4,505 |
| Tier 1 risk-based capital ratio | 11.8290% | 4,549 |
| Total risk-based capital ratio | 12.8802% | 4,548 |
| Memoranda: | ||
| Average total assets | $148,197,000 | 3,410 |
| Average earning assets | $130,237,500 | 3,511 |
| Average equity | $13,279,500 | 3,906 |
| Average total loans | $103,966,000 | 3,253 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5400% | 2,332 |
| Cost of funding earning assets | 0.3060% | 4,547 |
| Net interest margin | 4.2339% | 1,313 |
| Noninterest income to average assets | 0.7458% | 1,665 |
| Noninterest expense to average assets | 3.3497% | 1,224 |
| Loan and lease loss provision to assets | 0.1621% | 1,259 |
| Net operating income to assets | 0.6893% | 4,169 |
| Return on assets (ROA) | 0.6893% | 4,171 |
| Pretax return on assets | 0.9093% | 3,872 |
| Return on Equity (ROE) | 7.8891% | 3,485 |
| Retained earnings to average equity (ytd only) | 2.8688% | 3,965 |
| Net charge-offs to loans | -0.0505% | 4,980 |
| Credit loss provision to net charge-offs | -476.0000% | 4,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4275% | 1,438 |
| Assets per employee ($millions) | 3.6328% | 4,409 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 2,878 |
| Loan loss allowance to noncurrent loans | 151.0204% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 757 |
| Noncurrent loans to loans | 0.7543% | 2,117 |
| Net loans and leases to total assets | 68.9834% | 2,732 |
| Net loans and leases to deposits | 83.2642% | 2,598 |
| Net loans and leases to core deposits | 83.2642% | 3,157 |
| Total domestic deposits to total assets | 82.8488% | 3,379 |
| Equity capital to assets | 8.7992% | 4,739 |
| Core capital (leverage) ratio | 9.1615% | 4,496 |
| Tier 1 risk-based capital ratio | 11.7943% | 4,572 |
| Total risk-based capital ratio | 12.8379% | 4,573 |
| Memoranda: | ||
| Average total assets | $146,817,400 | 3,418 |
| Average earning assets | $127,446,200 | 3,534 |
| Average equity | $12,827,800 | 3,908 |
| Average total loans | $99,101,600 | 3,313 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4912% | 2,334 |
| Cost of funding earning assets | 0.2814% | 4,622 |
| Net interest margin | 4.2099% | 1,332 |
| Noninterest income to average assets | 0.7437% | 1,700 |
| Noninterest expense to average assets | 3.3541% | 1,191 |
| Loan and lease loss provision to assets | 0.1987% | 878 |
| Net operating income to assets | 0.6280% | 4,427 |
| Return on assets (ROA) | 0.6280% | 4,441 |
| Pretax return on assets | 0.8321% | 4,220 |
| Return on Equity (ROE) | 7.2004% | 3,859 |
| Retained earnings to average equity (ytd only) | 2.9366% | 4,260 |
| Net charge-offs to loans | -0.0463% | 4,904 |
| Credit loss provision to net charge-offs | -641.1765% | 4,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1380% | 1,332 |
| Assets per employee ($millions) | 3.6631% | 4,355 |
| Cash dividends to net income (ytd only)* | 59.2169% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 3,053 |
| Loan loss allowance to noncurrent loans | 148.8975% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.5348% | 828 |
| Noncurrent loans to loans | 0.7552% | 2,198 |
| Net loans and leases to total assets | 67.2109% | 3,048 |
| Net loans and leases to deposits | 80.1681% | 3,025 |
| Net loans and leases to core deposits | 80.3295% | 3,470 |
| Total domestic deposits to total assets | 83.8375% | 3,001 |
| Equity capital to assets | 8.5547% | 4,891 |
| Core capital (leverage) ratio | 9.1653% | 4,550 |
| Tier 1 risk-based capital ratio | 11.9132% | 4,547 |
| Total risk-based capital ratio | 12.9421% | 4,564 |
| Memoranda: | ||
| Average total assets | $146,285,250 | 3,465 |
| Average earning assets | $126,524,750 | 3,589 |
| Average equity | $12,758,250 | 3,946 |
| Average total loans | $97,894,000 | 3,366 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4168% | 2,360 |
| Cost of funding earning assets | 0.2700% | 4,635 |
| Net interest margin | 4.1468% | 1,419 |
| Noninterest income to average assets | 0.7325% | 1,726 |
| Noninterest expense to average assets | 3.3783% | 1,163 |
| Loan and lease loss provision to assets | 0.1724% | 1,066 |
| Net operating income to assets | 0.5766% | 4,577 |
| Return on assets (ROA) | 0.5766% | 4,571 |
| Pretax return on assets | 0.7628% | 4,360 |
| Return on Equity (ROE) | 6.5680% | 4,035 |
| Retained earnings to average equity (ytd only) | 2.2941% | 4,363 |
| Net charge-offs to loans | -0.0456% | 4,891 |
| Credit loss provision to net charge-offs | -568.1818% | 4,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9661% | 1,202 |
| Assets per employee ($millions) | 3.5944% | 4,477 |
| Cash dividends to net income (ytd only)* | 65.0718% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 3,499 |
| Loan loss allowance to noncurrent loans | 158.7519% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.5145% | 875 |
| Noncurrent loans to loans | 0.6659% | 2,447 |
| Net loans and leases to total assets | 66.2432% | 3,108 |
| Net loans and leases to deposits | 77.7274% | 3,180 |
| Net loans and leases to core deposits | 77.8842% | 3,590 |
| Total domestic deposits to total assets | 85.2251% | 2,591 |
| Equity capital to assets | 8.6428% | 4,849 |
| Core capital (leverage) ratio | 9.1428% | 4,527 |
| Tier 1 risk-based capital ratio | 11.6576% | 4,713 |
| Total risk-based capital ratio | 12.5819% | 4,779 |
| Memoranda: | ||
| Average total assets | $144,984,670 | 3,501 |
| Average earning assets | $125,204,670 | 3,631 |
| Average equity | $12,728,330 | 3,976 |
| Average total loans | $96,495,330 | 3,402 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 2,479 |
| Cost of funding earning assets | 0.2580% | 4,660 |
| Net interest margin | 4.0501% | 1,564 |
| Noninterest income to average assets | 0.6815% | 1,906 |
| Noninterest expense to average assets | 3.4355% | 1,105 |
| Loan and lease loss provision to assets | 0.0695% | 2,373 |
| Net operating income to assets | 0.5091% | 4,669 |
| Return on assets (ROA) | 0.5091% | 4,676 |
| Pretax return on assets | 0.6704% | 4,520 |
| Return on Equity (ROE) | 5.7529% | 4,235 |
| Retained earnings to average equity (ytd only) | 1.4775% | 4,501 |
| Net charge-offs to loans | -0.0671% | 5,093 |
| Credit loss provision to net charge-offs | -156.2500% | 3,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8787% | 955 |
| Assets per employee ($millions) | 3.4915% | 4,673 |
| Cash dividends to net income (ytd only)* | 74.3169% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 4,093 |
| Loan loss allowance to noncurrent loans | 384.0164% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 1.5319% | 896 |
| Noncurrent loans to loans | 0.2538% | 3,849 |
| Net loans and leases to total assets | 66.5111% | 2,965 |
| Net loans and leases to deposits | 75.6624% | 3,250 |
| Net loans and leases to core deposits | 75.8148% | 3,684 |
| Total domestic deposits to total assets | 87.9052% | 1,676 |
| Equity capital to assets | 8.8507% | 4,705 |
| Core capital (leverage) ratio | 9.1240% | 4,540 |
| Tier 1 risk-based capital ratio | 11.5544% | 4,835 |
| Total risk-based capital ratio | 12.3839% | 4,963 |
| Memoranda: | ||
| Average total assets | $143,791,000 | 3,550 |
| Average earning assets | $124,047,500 | 3,681 |
| Average equity | $12,724,000 | 4,009 |
| Average total loans | $95,409,500 | 3,435 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2371% | 2,554 |
| Cost of funding earning assets | 0.2703% | 4,391 |
| Net interest margin | 3.9668% | 1,858 |
| Noninterest income to average assets | 0.6731% | 2,079 |
| Noninterest expense to average assets | 3.4962% | 1,046 |
| Loan and lease loss provision to assets | 0.1361% | 1,682 |
| Net operating income to assets | 0.4558% | 4,509 |
| Return on assets (ROA) | 0.4600% | 4,523 |
| Pretax return on assets | 0.4455% | 5,022 |
| Return on Equity (ROE) | 5.3313% | 4,031 |
| Retained earnings to average equity (ytd only) | 4.1359% | 2,686 |
| Net charge-offs to loans | 0.2794% | 932 |
| Credit loss provision to net charge-offs | 75.5725% | 3,006 |
| Earnings coverage of net charge-offs (x) | 3.2061% | 3,640 |
| Efficiency ratio | 85.4515% | 677 |
| Assets per employee ($millions) | 3.5227% | 4,667 |
| Cash dividends to net income (ytd only)* | 22.4215% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 4,236 |
| Loan loss allowance to noncurrent loans | 640.0000% | 903 |
| Noncurrent assets plus other real estate owned to assets | 1.4948% | 919 |
| Noncurrent loans to loans | 0.1479% | 4,333 |
| Net loans and leases to total assets | 64.9270% | 3,243 |
| Net loans and leases to deposits | 73.8645% | 3,529 |
| Net loans and leases to core deposits | 74.1590% | 3,870 |
| Total domestic deposits to total assets | 87.9000% | 1,550 |
| Equity capital to assets | 8.8472% | 4,858 |
| Core capital (leverage) ratio | 8.9437% | 4,711 |
| Tier 1 risk-based capital ratio | 11.5083% | 4,845 |
| Total risk-based capital ratio | 12.3041% | 4,998 |
| Memoranda: | ||
| Average total assets | $145,443,000 | 3,534 |
| Average earning assets | $124,684,200 | 3,676 |
| Average equity | $12,548,600 | 4,048 |
| Average total loans | $93,758,400 | 3,455 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 2,697 |
| Cost of funding earning assets | 0.2732% | 4,378 |
| Net interest margin | 3.9044% | 2,027 |
| Noninterest income to average assets | 0.7175% | 1,924 |
| Noninterest expense to average assets | 3.5141% | 972 |
| Loan and lease loss provision to assets | 0.0439% | 3,223 |
| Net operating income to assets | 0.3494% | 5,112 |
| Return on assets (ROA) | 0.3532% | 5,121 |
| Pretax return on assets | 0.5134% | 5,000 |
| Return on Equity (ROE) | 4.1201% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.1201% | 3,462 |
| Net charge-offs to loans | 0.0741% | 2,075 |
| Credit loss provision to net charge-offs | 92.3077% | 2,427 |
| Earnings coverage of net charge-offs (x) | 11.5964% | 2,492 |
| Efficiency ratio | 86.0455% | 628 |
| Assets per employee ($millions) | 3.5105% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 4,138 |
| Loan loss allowance to noncurrent loans | 45.8293% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 2.1024% | 601 |
| Noncurrent loans to loans | 2.1531% | 762 |
| Net loans and leases to total assets | 66.6491% | 3,022 |
| Net loans and leases to deposits | 76.9542% | 3,273 |
| Net loans and leases to core deposits | 77.2660% | 3,704 |
| Total domestic deposits to total assets | 86.6088% | 2,043 |
| Equity capital to assets | 8.8835% | 5,009 |
| Core capital (leverage) ratio | 8.8250% | 4,938 |
| Tier 1 risk-based capital ratio | 11.3150% | 5,063 |
| Total risk-based capital ratio | 12.1586% | 5,185 |
| Memoranda: | ||
| Average total assets | $145,696,250 | 3,558 |
| Average earning assets | $124,950,500 | 3,695 |
| Average equity | $12,491,250 | 4,098 |
| Average total loans | $93,530,500 | 3,492 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1091% | 2,796 |
| Cost of funding earning assets | 0.2757% | 4,330 |
| Net interest margin | 3.8335% | 2,163 |
| Noninterest income to average assets | 0.6877% | 2,046 |
| Noninterest expense to average assets | 3.5451% | 943 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2965% | 5,230 |
| Return on assets (ROA) | 0.2994% | 5,242 |
| Pretax return on assets | 0.4170% | 5,152 |
| Return on Equity (ROE) | 3.5343% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.5343% | 3,606 |
| Net charge-offs to loans | 0.0931% | 1,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 7.0233% | 2,648 |
| Efficiency ratio | 89.1883% | 490 |
| Assets per employee ($millions) | 3.4663% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 4,339 |
| Loan loss allowance to noncurrent loans | 37.2159% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 2.1307% | 576 |
| Noncurrent loans to loans | 2.5967% | 553 |
| Net loans and leases to total assets | 64.5490% | 3,305 |
| Net loans and leases to deposits | 74.3822% | 3,505 |
| Net loans and leases to core deposits | 74.6795% | 3,883 |
| Total domestic deposits to total assets | 86.7801% | 2,050 |
| Equity capital to assets | 8.6775% | 5,168 |
| Core capital (leverage) ratio | 8.6975% | 5,048 |
| Tier 1 risk-based capital ratio | 11.0701% | 5,214 |
| Total risk-based capital ratio | 11.8724% | 5,344 |
| Memoranda: | ||
| Average total assets | $146,285,000 | 3,566 |
| Average earning assets | $124,795,670 | 3,726 |
| Average equity | $12,393,000 | 4,128 |
| Average total loans | $92,412,670 | 3,529 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9919% | 3,066 |
| Cost of funding earning assets | 0.2714% | 4,342 |
| Net interest margin | 3.7205% | 2,418 |
| Noninterest income to average assets | 0.7283% | 1,838 |
| Noninterest expense to average assets | 3.6144% | 885 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2373% | 5,334 |
| Return on assets (ROA) | 0.2373% | 5,346 |
| Pretax return on assets | 0.2919% | 5,326 |
| Return on Equity (ROE) | 2.8355% | 5,141 |
| Retained earnings to average equity (ytd only) | 2.8355% | 3,994 |
| Net charge-offs to loans | -0.0570% | 5,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1089% | 448 |
| Assets per employee ($millions) | 3.2860% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,860 |
| Loan loss allowance to noncurrent loans | 33.2763% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 2.3987% | 500 |
| Noncurrent loans to loans | 3.2274% | 394 |
| Net loans and leases to total assets | 60.6105% | 3,718 |
| Net loans and leases to deposits | 68.8118% | 3,911 |
| Net loans and leases to core deposits | 69.2210% | 4,207 |
| Total domestic deposits to total assets | 88.0816% | 1,675 |
| Equity capital to assets | 8.3687% | 5,321 |
| Core capital (leverage) ratio | 8.6625% | 5,087 |
| Tier 1 risk-based capital ratio | 11.5853% | 4,982 |
| Total risk-based capital ratio | 12.4855% | 5,078 |
| Memoranda: | ||
| Average total assets | $146,635,500 | 3,594 |
| Average earning assets | $125,253,500 | 3,749 |
| Average equity | $12,273,000 | 4,172 |
| Average total loans | $91,174,000 | 3,571 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 2,047 |
| Cost of funding earning assets | 0.2822% | 4,240 |
| Net interest margin | 4.0475% | 1,505 |
| Noninterest income to average assets | 0.6776% | 2,278 |
| Noninterest expense to average assets | 3.8044% | 771 |
| Loan and lease loss provision to assets | 0.2948% | 645 |
| Net operating income to assets | 0.0549% | 5,608 |
| Return on assets (ROA) | 0.0706% | 5,616 |
| Pretax return on assets | 0.0845% | 5,605 |
| Return on Equity (ROE) | 0.8115% | 5,592 |
| Retained earnings to average equity (ytd only) | 0.8115% | 5,000 |
| Net charge-offs to loans | 0.1651% | 1,636 |
| Credit loss provision to net charge-offs | 267.0886% | 1,078 |
| Earnings coverage of net charge-offs (x) | 3.2658% | 3,699 |
| Efficiency ratio | 90.9762% | 504 |
| Assets per employee ($millions) | 3.3045% | 5,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 4,031 |
| Loan loss allowance to noncurrent loans | 32.9218% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 2.4897% | 479 |
| Noncurrent loans to loans | 3.1782% | 406 |
| Net loans and leases to total assets | 62.4413% | 3,557 |
| Net loans and leases to deposits | 70.9794% | 3,813 |
| Net loans and leases to core deposits | 71.5268% | 4,108 |
| Total domestic deposits to total assets | 87.9710% | 1,644 |
| Equity capital to assets | 8.3708% | 5,370 |
| Core capital (leverage) ratio | 8.7369% | 5,035 |
| Tier 1 risk-based capital ratio | 12.0060% | 4,723 |
| Total risk-based capital ratio | 12.9316% | 4,840 |
| Memoranda: | ||
| Average total assets | $143,149,200 | 3,620 |
| Average earning assets | $123,334,200 | 3,762 |
| Average equity | $12,446,600 | 4,182 |
| Average total loans | $95,702,800 | 3,470 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3685% | 1,950 |
| Cost of funding earning assets | 0.2884% | 4,223 |
| Net interest margin | 4.0801% | 1,442 |
| Noninterest income to average assets | 0.7256% | 2,056 |
| Noninterest expense to average assets | 3.8450% | 716 |
| Loan and lease loss provision to assets | 0.3151% | 529 |
| Net operating income to assets | 0.0578% | 5,675 |
| Return on assets (ROA) | 0.0785% | 5,691 |
| Pretax return on assets | 0.0963% | 5,682 |
| Return on Equity (ROE) | 0.8949% | 5,655 |
| Retained earnings to average equity (ytd only) | 0.8949% | 5,116 |
| Net charge-offs to loans | 0.0455% | 2,740 |
| Credit loss provision to net charge-offs | 1,021.2121% | 391 |
| Earnings coverage of net charge-offs (x) | 12.5148% | 2,381 |
| Efficiency ratio | 90.8729% | 520 |
| Assets per employee ($millions) | 3.0797% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 4,184 |
| Loan loss allowance to noncurrent loans | 40.2414% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 2.2543% | 639 |
| Noncurrent loans to loans | 2.5828% | 663 |
| Net loans and leases to total assets | 65.7812% | 3,161 |
| Net loans and leases to deposits | 75.0937% | 3,489 |
| Net loans and leases to core deposits | 75.2521% | 3,901 |
| Total domestic deposits to total assets | 87.5989% | 1,613 |
| Equity capital to assets | 8.7229% | 5,382 |
| Core capital (leverage) ratio | 8.7614% | 5,087 |
| Tier 1 risk-based capital ratio | 11.6513% | 5,012 |
| Total risk-based capital ratio | 12.5869% | 5,086 |
| Memoranda: | ||
| Average total assets | $142,586,750 | 3,639 |
| Average earning assets | $122,510,250 | 3,807 |
| Average equity | $12,515,500 | 4,206 |
| Average total loans | $96,691,250 | 3,457 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 1,681 |
| Cost of funding earning assets | 0.2873% | 4,272 |
| Net interest margin | 4.1611% | 1,200 |
| Noninterest income to average assets | 0.7345% | 1,990 |
| Noninterest expense to average assets | 3.8614% | 707 |
| Loan and lease loss provision to assets | 0.3412% | 477 |
| Net operating income to assets | 0.0824% | 5,684 |
| Return on assets (ROA) | 0.0945% | 5,716 |
| Pretax return on assets | 0.1212% | 5,700 |
| Return on Equity (ROE) | 1.0738% | 5,677 |
| Retained earnings to average equity (ytd only) | 1.0738% | 4,958 |
| Net charge-offs to loans | -0.0413% | 5,287 |
| Credit loss provision to net charge-offs | -1,210.0000% | 5,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6270% | 622 |
| Assets per employee ($millions) | 2.9974% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 4,570 |
| Loan loss allowance to noncurrent loans | 299.3750% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 1.0420% | 2,042 |
| Noncurrent loans to loans | 0.3320% | 4,175 |
| Net loans and leases to total assets | 67.7449% | 2,817 |
| Net loans and leases to deposits | 77.3684% | 3,223 |
| Net loans and leases to core deposits | 77.5362% | 3,682 |
| Total domestic deposits to total assets | 87.5615% | 1,643 |
| Equity capital to assets | 8.9745% | 5,257 |
| Core capital (leverage) ratio | 8.7858% | 5,073 |
| Tier 1 risk-based capital ratio | 11.4916% | 5,163 |
| Total risk-based capital ratio | 12.3771% | 5,268 |
| Memoranda: | ||
| Average total assets | $141,867,330 | 3,675 |
| Average earning assets | $121,843,330 | 3,848 |
| Average equity | $12,478,670 | 4,236 |
| Average total loans | $96,850,000 | 3,467 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 1,808 |
| Cost of funding earning assets | 0.2846% | 4,339 |
| Net interest margin | 4.1125% | 1,305 |
| Noninterest income to average assets | 0.6547% | 2,240 |
| Noninterest expense to average assets | 3.8325% | 739 |
| Loan and lease loss provision to assets | 0.1883% | 1,053 |
| Net operating income to assets | 0.1210% | 5,650 |
| Return on assets (ROA) | 0.1292% | 5,689 |
| Pretax return on assets | 0.1770% | 5,664 |
| Return on Equity (ROE) | 1.4843% | 5,622 |
| Retained earnings to average equity (ytd only) | 1.4843% | 4,677 |
| Net charge-offs to loans | -0.0288% | 5,048 |
| Credit loss provision to net charge-offs | -957.1429% | 4,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5436% | 580 |
| Assets per employee ($millions) | 2.9325% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 5,386 |
| Loan loss allowance to noncurrent loans | 2,026.3158% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.8595% | 2,544 |
| Noncurrent loans to loans | 0.0390% | 5,337 |
| Net loans and leases to total assets | 67.1942% | 2,783 |
| Net loans and leases to deposits | 76.5126% | 3,161 |
| Net loans and leases to core deposits | 76.8273% | 3,598 |
| Total domestic deposits to total assets | 87.8211% | 1,734 |
| Equity capital to assets | 8.7069% | 5,417 |
| Core capital (leverage) ratio | 8.8174% | 5,062 |
| Tier 1 risk-based capital ratio | 11.2874% | 5,350 |
| Total risk-based capital ratio | 11.9877% | 5,551 |
| Memoranda: | ||
| Average total assets | $142,362,500 | 3,696 |
| Average earning assets | $122,262,000 | 3,866 |
| Average equity | $12,396,500 | 4,264 |
| Average total loans | $97,077,500 | 3,470 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 1,767 |
| Cost of funding earning assets | 0.2991% | 4,258 |
| Net interest margin | 4.1428% | 1,299 |
| Noninterest income to average assets | 0.4367% | 3,770 |
| Noninterest expense to average assets | 3.9572% | 712 |
| Loan and lease loss provision to assets | 0.0829% | 2,640 |
| Net operating income to assets | 0.0432% | 5,820 |
| Return on assets (ROA) | 0.0512% | 5,850 |
| Pretax return on assets | 0.0079% | 5,885 |
| Return on Equity (ROE) | 0.5833% | 5,828 |
| Retained earnings to average equity (ytd only) | 0.5833% | 5,282 |
| Net charge-offs to loans | 0.0291% | 3,637 |
| Credit loss provision to net charge-offs | 425.9259% | 723 |
| Earnings coverage of net charge-offs (x) | 4.2593% | 3,587 |
| Efficiency ratio | 97.9486% | 342 |
| Assets per employee ($millions) | 3.0007% | 5,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7188% | 5,602 |
| Loan loss allowance to noncurrent loans | 764.8352% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.9877% | 2,228 |
| Noncurrent loans to loans | 0.0940% | 5,122 |
| Net loans and leases to total assets | 68.1658% | 2,681 |
| Net loans and leases to deposits | 76.7555% | 3,178 |
| Net loans and leases to core deposits | 77.0736% | 3,660 |
| Total domestic deposits to total assets | 88.8091% | 1,223 |
| Equity capital to assets | 8.7085% | 5,384 |
| Core capital (leverage) ratio | 8.9691% | 4,917 |
| Tier 1 risk-based capital ratio | 11.4347% | 5,297 |
| Total risk-based capital ratio | 12.0763% | 5,517 |
| Memoranda: | ||
| Average total assets | $138,758,400 | 3,743 |
| Average earning assets | $120,690,000 | 3,869 |
| Average equity | $12,172,600 | 4,273 |
| Average total loans | $92,704,600 | 3,529 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3843% | 1,971 |
| Cost of funding earning assets | 0.3040% | 4,292 |
| Net interest margin | 4.0804% | 1,456 |
| Noninterest income to average assets | 0.4593% | 3,646 |
| Noninterest expense to average assets | 3.9356% | 715 |
| Loan and lease loss provision to assets | 0.0965% | 2,243 |
| Net operating income to assets | 0.0482% | 5,892 |
| Return on assets (ROA) | 0.0550% | 5,931 |
| Pretax return on assets | -0.0135% | 5,977 |
| Return on Equity (ROE) | 0.6258% | 5,908 |
| Retained earnings to average equity (ytd only) | 0.6258% | 5,432 |
| Net charge-offs to loans | -0.0233% | 5,255 |
| Credit loss provision to net charge-offs | -625.0000% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1945% | 349 |
| Assets per employee ($millions) | 2.7036% | 5,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 5,549 |
| Loan loss allowance to noncurrent loans | 449.6894% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 1.8537% | 1,136 |
| Noncurrent loans to loans | 0.1752% | 4,953 |
| Net loans and leases to total assets | 66.1273% | 2,986 |
| Net loans and leases to deposits | 75.3863% | 3,385 |
| Net loans and leases to core deposits | 75.7099% | 3,828 |
| Total domestic deposits to total assets | 87.7179% | 1,695 |
| Equity capital to assets | 8.8850% | 5,411 |
| Core capital (leverage) ratio | 8.9867% | 5,005 |
| Tier 1 risk-based capital ratio | 11.4601% | 5,395 |
| Total risk-based capital ratio | 12.1298% | 5,637 |
| Memoranda: | ||
| Average total assets | $138,189,500 | 3,784 |
| Average earning assets | $120,182,250 | 3,918 |
| Average equity | $12,145,250 | 4,327 |
| Average total loans | $91,672,500 | 3,587 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 1,958 |
| Cost of funding earning assets | 0.3049% | 4,344 |
| Net interest margin | 4.0609% | 1,470 |
| Noninterest income to average assets | 0.3456% | 4,485 |
| Noninterest expense to average assets | 3.8802% | 786 |
| Loan and lease loss provision to assets | 0.0506% | 3,111 |
| Net operating income to assets | 0.0553% | 5,926 |
| Return on assets (ROA) | 0.0636% | 5,959 |
| Pretax return on assets | -0.0477% | 6,044 |
| Return on Equity (ROE) | 0.7267% | 5,935 |
| Retained earnings to average equity (ytd only) | 0.7267% | 5,264 |
| Net charge-offs to loans | -0.1332% | 5,887 |
| Credit loss provision to net charge-offs | -57.3770% | 4,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2616% | 313 |
| Assets per employee ($millions) | 2.6854% | 5,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7784% | 5,648 |
| Loan loss allowance to noncurrent loans | 177.3300% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 2.2263% | 928 |
| Noncurrent loans to loans | 0.4390% | 4,167 |
| Net loans and leases to total assets | 65.5223% | 3,038 |
| Net loans and leases to deposits | 74.6556% | 3,417 |
| Net loans and leases to core deposits | 75.1350% | 3,837 |
| Total domestic deposits to total assets | 87.7661% | 1,765 |
| Equity capital to assets | 8.7576% | 5,475 |
| Core capital (leverage) ratio | 9.0003% | 4,967 |
| Tier 1 risk-based capital ratio | 11.5055% | 5,463 |
| Total risk-based capital ratio | 12.1602% | 5,678 |
| Memoranda: | ||
| Average total assets | $138,291,330 | 3,815 |
| Average earning assets | $120,021,330 | 3,943 |
| Average equity | $12,110,000 | 4,360 |
| Average total loans | $91,595,670 | 3,604 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3784% | 1,845 |
| Cost of funding earning assets | 0.3104% | 4,323 |
| Net interest margin | 4.0680% | 1,361 |
| Noninterest income to average assets | 0.1785% | 5,647 |
| Noninterest expense to average assets | 3.8169% | 860 |
| Loan and lease loss provision to assets | 0.0576% | 2,778 |
| Net operating income to assets | 0.0895% | 5,896 |
| Return on assets (ROA) | 0.0950% | 5,941 |
| Pretax return on assets | -0.1410% | 6,137 |
| Return on Equity (ROE) | 1.0848% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.0848% | 5,049 |
| Net charge-offs to loans | -0.0174% | 4,980 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4730% | 305 |
| Assets per employee ($millions) | 2.6401% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 5,895 |
| Loan loss allowance to noncurrent loans | 154.1463% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 2.2952% | 979 |
| Noncurrent loans to loans | 0.4585% | 4,208 |
| Net loans and leases to total assets | 64.6806% | 2,991 |
| Net loans and leases to deposits | 73.6852% | 3,352 |
| Net loans and leases to core deposits | 74.1572% | 3,768 |
| Total domestic deposits to total assets | 87.7796% | 1,942 |
| Equity capital to assets | 8.9717% | 5,327 |
| Core capital (leverage) ratio | 9.0009% | 4,951 |
| Tier 1 risk-based capital ratio | 11.5087% | 5,555 |
| Total risk-based capital ratio | 12.0972% | 5,804 |
| Memoranda: | ||
| Average total assets | $138,959,500 | 3,826 |
| Average earning assets | $121,139,500 | 3,952 |
| Average equity | $12,168,000 | 4,386 |
| Average total loans | $92,173,500 | 3,608 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6480% | 1,426 |
| Cost of funding earning assets | 0.3369% | 4,403 |
| Net interest margin | 4.3111% | 1,034 |
| Noninterest income to average assets | 0.7869% | 1,923 |
| Noninterest expense to average assets | 3.9498% | 806 |
| Loan and lease loss provision to assets | 0.2190% | 1,123 |
| Net operating income to assets | 0.3502% | 5,377 |
| Return on assets (ROA) | 0.3581% | 5,431 |
| Pretax return on assets | 0.4146% | 5,444 |
| Return on Equity (ROE) | 4.4227% | 4,930 |
| Retained earnings to average equity (ytd only) | 0.1483% | 5,709 |
| Net charge-offs to loans | 0.4770% | 876 |
| Credit loss provision to net charge-offs | 68.5841% | 3,104 |
| Earnings coverage of net charge-offs (x) | 1.9558% | 4,294 |
| Efficiency ratio | 86.3496% | 1,134 |
| Assets per employee ($millions) | 2.7575% | 5,974 |
| Cash dividends to net income (ytd only)* | 96.6469% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6406% | 6,088 |
| Loan loss allowance to noncurrent loans | 152.0000% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 2.4113% | 967 |
| Noncurrent loans to loans | 0.4214% | 4,376 |
| Net loans and leases to total assets | 67.0608% | 2,717 |
| Net loans and leases to deposits | 76.4471% | 3,148 |
| Net loans and leases to core deposits | 77.0045% | 3,610 |
| Total domestic deposits to total assets | 87.7219% | 1,913 |
| Equity capital to assets | 8.5464% | 5,705 |
| Core capital (leverage) ratio | 8.5922% | 5,456 |
| Tier 1 risk-based capital ratio | 11.7880% | 5,495 |
| Total risk-based capital ratio | 12.3765% | 5,795 |
| Memoranda: | ||
| Average total assets | $141,575,800 | 3,768 |
| Average earning assets | $124,377,000 | 3,877 |
| Average equity | $11,463,600 | 4,467 |
| Average total loans | $94,752,400 | 3,533 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6777% | 1,362 |
| Cost of funding earning assets | 0.3403% | 4,456 |
| Net interest margin | 4.3374% | 977 |
| Noninterest income to average assets | 0.7503% | 2,097 |
| Noninterest expense to average assets | 3.9620% | 786 |
| Loan and lease loss provision to assets | 0.0517% | 3,341 |
| Net operating income to assets | 0.3540% | 5,415 |
| Return on assets (ROA) | 0.3620% | 5,465 |
| Pretax return on assets | 0.5594% | 5,157 |
| Return on Equity (ROE) | 4.5327% | 4,948 |
| Retained earnings to average equity (ytd only) | 0.7652% | 5,573 |
| Net charge-offs to loans | 0.5730% | 650 |
| Credit loss provision to net charge-offs | 13.5135% | 3,660 |
| Earnings coverage of net charge-offs (x) | 1.5651% | 4,125 |
| Efficiency ratio | 86.8687% | 1,105 |
| Assets per employee ($millions) | 2.6637% | 6,106 |
| Cash dividends to net income (ytd only)* | 83.1177% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4099% | 6,400 |
| Loan loss allowance to noncurrent loans | 290.5109% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 2.4145% | 1,114 |
| Noncurrent loans to loans | 0.1411% | 5,498 |
| Net loans and leases to total assets | 67.2210% | 2,655 |
| Net loans and leases to deposits | 78.3162% | 2,914 |
| Net loans and leases to core deposits | 78.8868% | 3,453 |
| Total domestic deposits to total assets | 85.8328% | 2,940 |
| Equity capital to assets | 8.2001% | 6,015 |
| Core capital (leverage) ratio | 8.6036% | 5,548 |
| Tier 1 risk-based capital ratio | 11.6272% | 5,719 |
| Total risk-based capital ratio | 12.0058% | 6,061 |
| Memoranda: | ||
| Average total assets | $141,811,750 | 3,791 |
| Average earning assets | $124,588,000 | 3,903 |
| Average equity | $11,324,750 | 4,521 |
| Average total loans | $94,711,250 | 3,568 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6907% | 1,298 |
| Cost of funding earning assets | 0.3454% | 4,475 |
| Net interest margin | 4.3453% | 946 |
| Noninterest income to average assets | 0.9353% | 1,383 |
| Noninterest expense to average assets | 3.9437% | 809 |
| Loan and lease loss provision to assets | 0.0354% | 3,580 |
| Net operating income to assets | 0.4946% | 4,834 |
| Return on assets (ROA) | 0.5073% | 4,875 |
| Pretax return on assets | 0.7907% | 4,313 |
| Return on Equity (ROE) | 6.4112% | 3,936 |
| Retained earnings to average equity (ytd only) | 0.6805% | 5,465 |
| Net charge-offs to loans | 0.7198% | 534 |
| Credit loss provision to net charge-offs | 7.3964% | 3,333 |
| Earnings coverage of net charge-offs (x) | 1.6834% | 3,740 |
| Efficiency ratio | 83.0251% | 1,626 |
| Assets per employee ($millions) | 2.6385% | 6,173 |
| Cash dividends to net income (ytd only)* | 89.3855% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4444% | 6,460 |
| Loan loss allowance to noncurrent loans | 117.1582% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 2.9880% | 852 |
| Noncurrent loans to loans | 0.3793% | 4,855 |
| Net loans and leases to total assets | 67.4658% | 2,505 |
| Net loans and leases to deposits | 78.5631% | 2,724 |
| Net loans and leases to core deposits | 79.3219% | 3,283 |
| Total domestic deposits to total assets | 85.8747% | 3,108 |
| Equity capital to assets | 7.9757% | 6,167 |
| Core capital (leverage) ratio | 8.6319% | 5,492 |
| Tier 1 risk-based capital ratio | 11.6004% | 5,743 |
| Total risk-based capital ratio | 12.0162% | 6,094 |
| Memoranda: | ||
| Average total assets | $141,136,000 | 3,828 |
| Average earning assets | $123,904,670 | 3,934 |
| Average equity | $11,168,000 | 4,564 |
| Average total loans | $93,919,000 | 3,593 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7299% | 1,196 |
| Cost of funding earning assets | 0.3580% | 4,459 |
| Net interest margin | 4.3719% | 856 |
| Noninterest income to average assets | 1.0263% | 1,069 |
| Noninterest expense to average assets | 4.0274% | 735 |
| Loan and lease loss provision to assets | 0.0575% | 2,967 |
| Net operating income to assets | 0.4935% | 4,719 |
| Return on assets (ROA) | 0.5174% | 4,674 |
| Pretax return on assets | 0.8049% | 4,094 |
| Return on Equity (ROE) | 6.5663% | 3,705 |
| Retained earnings to average equity (ytd only) | 0.7296% | 5,299 |
| Net charge-offs to loans | -0.0174% | 5,293 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9976% | 1,800 |
| Assets per employee ($millions) | 2.6747% | 6,224 |
| Cash dividends to net income (ytd only)* | 88.8889% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8359% | 6,033 |
| Loan loss allowance to noncurrent loans | 77.4775% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 3.3095% | 804 |
| Noncurrent loans to loans | 1.0790% | 3,259 |
| Net loans and leases to total assets | 66.0148% | 2,563 |
| Net loans and leases to deposits | 74.0183% | 3,060 |
| Net loans and leases to core deposits | 74.8962% | 3,540 |
| Total domestic deposits to total assets | 89.1871% | 1,540 |
| Equity capital to assets | 8.0383% | 6,030 |
| Core capital (leverage) ratio | 8.7202% | 5,355 |
| Tier 1 risk-based capital ratio | 11.8386% | 5,735 |
| Total risk-based capital ratio | 12.5917% | 5,947 |
| Memoranda: | ||
| Average total assets | $139,146,500 | 3,892 |
| Average earning assets | $121,778,000 | 4,006 |
| Average equity | $10,965,000 | 4,626 |
| Average total loans | $91,708,500 | 3,668 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 1,149 |
| Cost of funding earning assets | 0.4127% | 4,508 |
| Net interest margin | 4.4601% | 803 |
| Noninterest income to average assets | 0.6286% | 2,926 |
| Noninterest expense to average assets | 3.9802% | 890 |
| Loan and lease loss provision to assets | 0.3798% | 807 |
| Net operating income to assets | 0.1210% | 5,998 |
| Return on assets (ROA) | 0.1546% | 5,997 |
| Pretax return on assets | 0.1627% | 6,000 |
| Return on Equity (ROE) | 1.8014% | 5,903 |
| Retained earnings to average equity (ytd only) | -0.9865% | 6,060 |
| Net charge-offs to loans | 0.4306% | 1,547 |
| Credit loss provision to net charge-offs | 133.3333% | 1,758 |
| Earnings coverage of net charge-offs (x) | 1.7804% | 4,449 |
| Efficiency ratio | 88.6975% | 1,146 |
| Assets per employee ($millions) | 2.5311% | 6,375 |
| Cash dividends to net income (ytd only)* | 154.7619% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 6,111 |
| Loan loss allowance to noncurrent loans | 57.6923% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 3.5587% | 810 |
| Noncurrent loans to loans | 1.4313% | 2,743 |
| Net loans and leases to total assets | 64.7063% | 2,918 |
| Net loans and leases to deposits | 72.5439% | 3,451 |
| Net loans and leases to core deposits | 73.4010% | 3,906 |
| Total domestic deposits to total assets | 89.1961% | 1,491 |
| Equity capital to assets | 7.7222% | 6,175 |
| Core capital (leverage) ratio | 8.9864% | 5,028 |
| Tier 1 risk-based capital ratio | 11.8752% | 5,693 |
| Total risk-based capital ratio | 12.6088% | 5,921 |
| Memoranda: | ||
| Average total assets | $135,848,600 | 3,962 |
| Average earning assets | $117,529,800 | 4,097 |
| Average equity | $11,657,800 | 4,517 |
| Average total loans | $89,880,800 | 3,694 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8909% | 1,140 |
| Cost of funding earning assets | 0.4205% | 4,608 |
| Net interest margin | 4.4704% | 769 |
| Noninterest income to average assets | 0.7960% | 2,171 |
| Noninterest expense to average assets | 3.7952% | 1,088 |
| Loan and lease loss provision to assets | 0.1096% | 2,938 |
| Net operating income to assets | 0.4743% | 4,914 |
| Return on assets (ROA) | 0.5046% | 4,938 |
| Pretax return on assets | 0.7920% | 4,323 |
| Return on Equity (ROE) | 5.7327% | 4,326 |
| Retained earnings to average equity (ytd only) | 3.4890% | 4,207 |
| Net charge-offs to loans | 0.5577% | 1,135 |
| Credit loss provision to net charge-offs | 29.6000% | 3,903 |
| Earnings coverage of net charge-offs (x) | 2.3066% | 4,070 |
| Efficiency ratio | 81.6270% | 1,878 |
| Assets per employee ($millions) | 2.5082% | 6,469 |
| Cash dividends to net income (ytd only)* | 39.1387% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3975% | 6,724 |
| Loan loss allowance to noncurrent loans | 20.4350% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 3.9920% | 783 |
| Noncurrent loans to loans | 1.9453% | 2,312 |
| Net loans and leases to total assets | 64.8421% | 2,839 |
| Net loans and leases to deposits | 75.2258% | 3,061 |
| Net loans and leases to core deposits | 76.1544% | 3,597 |
| Total domestic deposits to total assets | 86.1966% | 3,139 |
| Equity capital to assets | 8.1536% | 6,041 |
| Core capital (leverage) ratio | 9.3679% | 4,582 |
| Tier 1 risk-based capital ratio | 12.3895% | 5,524 |
| Total risk-based capital ratio | 12.7417% | 6,027 |
| Memoranda: | ||
| Average total assets | $135,008,500 | 4,014 |
| Average earning assets | $116,376,750 | 4,167 |
| Average equity | $11,884,750 | 4,517 |
| Average total loans | $89,644,250 | 3,726 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8149% | 1,294 |
| Cost of funding earning assets | 0.4254% | 4,701 |
| Net interest margin | 4.3895% | 869 |
| Noninterest income to average assets | 0.6536% | 2,895 |
| Noninterest expense to average assets | 3.7201% | 1,220 |
| Loan and lease loss provision to assets | 0.0448% | 4,070 |
| Net operating income to assets | 0.4187% | 5,144 |
| Return on assets (ROA) | 0.4626% | 5,132 |
| Pretax return on assets | 0.7297% | 4,580 |
| Return on Equity (ROE) | 5.1252% | 4,658 |
| Retained earnings to average equity (ytd only) | 1.8186% | 5,107 |
| Net charge-offs to loans | 0.3326% | 1,853 |
| Credit loss provision to net charge-offs | 20.1342% | 3,732 |
| Earnings coverage of net charge-offs (x) | 3.1745% | 3,465 |
| Efficiency ratio | 84.0526% | 1,628 |
| Assets per employee ($millions) | 2.4774% | 6,518 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5605% | 6,656 |
| Loan loss allowance to noncurrent loans | 22.4307% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 4.5656% | 713 |
| Noncurrent loans to loans | 2.4989% | 1,854 |
| Net loans and leases to total assets | 65.3598% | 2,701 |
| Net loans and leases to deposits | 73.9734% | 3,163 |
| Net loans and leases to core deposits | 75.3796% | 3,625 |
| Total domestic deposits to total assets | 88.3559% | 2,009 |
| Equity capital to assets | 8.3437% | 5,929 |
| Core capital (leverage) ratio | 9.3080% | 4,527 |
| Tier 1 risk-based capital ratio | 12.2294% | 5,660 |
| Total risk-based capital ratio | 12.7263% | 6,088 |
| Memoranda: | ||
| Average total assets | $134,027,330 | 4,060 |
| Average earning assets | $115,184,670 | 4,230 |
| Average equity | $12,097,000 | 4,509 |
| Average total loans | $89,589,670 | 3,735 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8080% | 1,271 |
| Cost of funding earning assets | 0.4288% | 4,820 |
| Net interest margin | 4.3792% | 833 |
| Noninterest income to average assets | 0.8788% | 1,832 |
| Noninterest expense to average assets | 3.5482% | 1,530 |
| Loan and lease loss provision to assets | 0.0451% | 3,854 |
| Net operating income to assets | 0.6434% | 3,999 |
| Return on assets (ROA) | 0.7012% | 3,824 |
| Pretax return on assets | 1.1256% | 2,861 |
| Return on Equity (ROE) | 7.4793% | 3,222 |
| Retained earnings to average equity (ytd only) | 1.0593% | 5,425 |
| Net charge-offs to loans | 0.0134% | 3,878 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 119.6667% | 323 |
| Efficiency ratio | 76.6580% | 2,819 |
| Assets per employee ($millions) | 2.3902% | 6,666 |
| Cash dividends to net income (ytd only)* | 85.8369% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7253% | 6,555 |
| Loan loss allowance to noncurrent loans | 69.2560% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 3.8266% | 1,075 |
| Noncurrent loans to loans | 1.0473% | 4,049 |
| Net loans and leases to total assets | 64.7255% | 2,578 |
| Net loans and leases to deposits | 73.6277% | 2,974 |
| Net loans and leases to core deposits | 74.8904% | 3,477 |
| Total domestic deposits to total assets | 87.9091% | 2,378 |
| Equity capital to assets | 9.2841% | 5,152 |
| Core capital (leverage) ratio | 9.2942% | 4,409 |
| Tier 1 risk-based capital ratio | 12.6031% | 5,518 |
| Total risk-based capital ratio | 13.2532% | 5,872 |
| Memoranda: | ||
| Average total assets | $132,912,000 | 4,121 |
| Average earning assets | $113,809,500 | 4,288 |
| Average equity | $12,461,000 | 4,481 |
| Average total loans | $89,604,500 | 3,758 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1630% | 1,184 |
| Cost of funding earning assets | 0.4623% | 5,477 |
| Net interest margin | 4.7008% | 646 |
| Noninterest income to average assets | 0.8340% | 2,107 |
| Noninterest expense to average assets | 4.0978% | 859 |
| Loan and lease loss provision to assets | 0.3337% | 2,028 |
| Net operating income to assets | 0.3125% | 5,421 |
| Return on assets (ROA) | 0.5175% | 4,882 |
| Pretax return on assets | 0.8332% | 4,170 |
| Return on Equity (ROE) | 5.6804% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.6804% | 2,265 |
| Net charge-offs to loans | 0.5385% | 2,117 |
| Credit loss provision to net charge-offs | 92.7083% | 3,358 |
| Earnings coverage of net charge-offs (x) | 2.3521% | 4,238 |
| Efficiency ratio | 82.8758% | 1,765 |
| Assets per employee ($millions) | 2.3566% | 6,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6754% | 6,663 |
| Loan loss allowance to noncurrent loans | 164.7215% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 3.6182% | 1,241 |
| Noncurrent loans to loans | 0.4101% | 5,460 |
| Net loans and leases to total assets | 69.1955% | 1,996 |
| Net loans and leases to deposits | 79.1990% | 2,381 |
| Net loans and leases to core deposits | 80.4989% | 2,940 |
| Total domestic deposits to total assets | 87.3692% | 2,599 |
| Equity capital to assets | 9.4680% | 4,915 |
| Core capital (leverage) ratio | 9.2479% | 4,503 |
| Tier 1 risk-based capital ratio | 12.2021% | 5,659 |
| Total risk-based capital ratio | 12.8216% | 6,015 |
| Memoranda: | ||
| Average total assets | $133,339,400 | 4,075 |
| Average earning assets | $116,598,400 | 4,198 |
| Average equity | $12,147,000 | 4,538 |
| Average total loans | $89,136,400 | 3,766 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0998% | 1,427 |
| Cost of funding earning assets | 0.4682% | 5,655 |
| Net interest margin | 4.6316% | 771 |
| Noninterest income to average assets | 0.7610% | 2,423 |
| Noninterest expense to average assets | 4.0394% | 890 |
| Loan and lease loss provision to assets | 0.3491% | 1,871 |
| Net operating income to assets | 0.2634% | 5,738 |
| Return on assets (ROA) | 0.5047% | 5,087 |
| Pretax return on assets | 0.8149% | 4,433 |
| Return on Equity (ROE) | 5.5941% | 4,536 |
| Retained earnings to average equity (ytd only) | 5.5941% | 2,966 |
| Net charge-offs to loans | 0.5458% | 1,967 |
| Credit loss provision to net charge-offs | 96.6851% | 3,091 |
| Earnings coverage of net charge-offs (x) | 2.1796% | 4,170 |
| Efficiency ratio | 83.6950% | 1,627 |
| Assets per employee ($millions) | 2.3026% | 6,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7128% | 6,738 |
| Loan loss allowance to noncurrent loans | 74.7967% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 3.4249% | 1,470 |
| Noncurrent loans to loans | 0.9529% | 4,527 |
| Net loans and leases to total assets | 67.1718% | 2,428 |
| Net loans and leases to deposits | 76.4811% | 2,911 |
| Net loans and leases to core deposits | 77.7147% | 3,501 |
| Total domestic deposits to total assets | 87.8281% | 2,151 |
| Equity capital to assets | 9.2428% | 5,547 |
| Core capital (leverage) ratio | 9.1336% | 4,860 |
| Tier 1 risk-based capital ratio | 12.3462% | 5,737 |
| Total risk-based capital ratio | 13.0064% | 6,057 |
| Memoranda: | ||
| Average total assets | $133,681,500 | 4,102 |
| Average earning assets | $117,334,750 | 4,210 |
| Average equity | $12,060,000 | 4,601 |
| Average total loans | $88,435,750 | 3,831 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0280% | 1,711 |
| Cost of funding earning assets | 0.4639% | 5,877 |
| Net interest margin | 4.5642% | 883 |
| Noninterest income to average assets | 0.7433% | 2,451 |
| Noninterest expense to average assets | 4.1070% | 827 |
| Loan and lease loss provision to assets | 0.3739% | 1,750 |
| Net operating income to assets | 0.1726% | 5,999 |
| Return on assets (ROA) | 0.4741% | 5,184 |
| Pretax return on assets | 0.7658% | 4,584 |
| Return on Equity (ROE) | 5.2986% | 4,666 |
| Retained earnings to average equity (ytd only) | 5.2986% | 3,093 |
| Net charge-offs to loans | 0.5399% | 1,976 |
| Credit loss provision to net charge-offs | 105.4852% | 2,576 |
| Earnings coverage of net charge-offs (x) | 1.8861% | 4,029 |
| Efficiency ratio | 86.0006% | 1,436 |
| Assets per employee ($millions) | 2.3236% | 6,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7449% | 6,768 |
| Loan loss allowance to noncurrent loans | 45.8533% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 3.7594% | 1,380 |
| Noncurrent loans to loans | 1.6245% | 3,472 |
| Net loans and leases to total assets | 67.3082% | 2,403 |
| Net loans and leases to deposits | 76.6213% | 2,898 |
| Net loans and leases to core deposits | 77.5262% | 3,587 |
| Total domestic deposits to total assets | 87.8453% | 2,253 |
| Equity capital to assets | 9.1760% | 5,488 |
| Core capital (leverage) ratio | 8.9833% | 4,940 |
| Tier 1 risk-based capital ratio | 12.3598% | 5,675 |
| Total risk-based capital ratio | 13.0577% | 6,027 |
| Memoranda: | ||
| Average total assets | $133,724,330 | 4,124 |
| Average earning assets | $118,137,330 | 4,217 |
| Average equity | $11,965,330 | 4,613 |
| Average total loans | $87,796,330 | 3,860 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 2,063 |
| Cost of funding earning assets | 0.4449% | 6,178 |
| Net interest margin | 4.5062% | 1,005 |
| Noninterest income to average assets | 0.8365% | 2,009 |
| Noninterest expense to average assets | 4.2779% | 685 |
| Loan and lease loss provision to assets | 0.3870% | 1,627 |
| Net operating income to assets | 0.0820% | 6,274 |
| Return on assets (ROA) | 0.4555% | 5,201 |
| Pretax return on assets | 0.7353% | 4,670 |
| Return on Equity (ROE) | 5.1552% | 4,713 |
| Retained earnings to average equity (ytd only) | 5.1552% | 3,469 |
| Net charge-offs to loans | 0.9955% | 1,043 |
| Credit loss provision to net charge-offs | 60.1852% | 3,107 |
| Earnings coverage of net charge-offs (x) | 0.8380% | 3,907 |
| Efficiency ratio | 88.8133% | 1,199 |
| Assets per employee ($millions) | 2.2784% | 7,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 6,917 |
| Loan loss allowance to noncurrent loans | 33.3139% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 3.9993% | 1,377 |
| Noncurrent loans to loans | 1.9937% | 3,176 |
| Net loans and leases to total assets | 64.5113% | 2,758 |
| Net loans and leases to deposits | 74.1597% | 3,100 |
| Net loans and leases to core deposits | 75.0462% | 3,740 |
| Total domestic deposits to total assets | 86.9897% | 2,962 |
| Equity capital to assets | 8.9134% | 5,622 |
| Core capital (leverage) ratio | 8.7860% | 5,149 |
| Tier 1 risk-based capital ratio | 12.7639% | 5,395 |
| Total risk-based capital ratio | 13.3869% | 5,851 |
| Memoranda: | ||
| Average total assets | $134,365,000 | 4,142 |
| Average earning assets | $118,681,500 | 4,231 |
| Average equity | $11,871,500 | 4,640 |
| Average total loans | $86,787,500 | 3,915 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3503% | 1,561 |
| Cost of funding earning assets | 0.5712% | 6,231 |
| Net interest margin | 4.7790% | 653 |
| Noninterest income to average assets | 0.6253% | 3,037 |
| Noninterest expense to average assets | 4.1850% | 825 |
| Loan and lease loss provision to assets | 0.4810% | 2,202 |
| Net operating income to assets | 0.1059% | 5,853 |
| Return on assets (ROA) | 0.2359% | 5,616 |
| Pretax return on assets | 0.3596% | 5,404 |
| Return on Equity (ROE) | 2.6770% | 5,409 |
| Retained earnings to average equity (ytd only) | 2.6770% | 4,325 |
| Net charge-offs to loans | 0.1739% | 4,758 |
| Credit loss provision to net charge-offs | 420.0000% | 549 |
| Earnings coverage of net charge-offs (x) | 5.6200% | 2,735 |
| Efficiency ratio | 86.6698% | 1,481 |
| Assets per employee ($millions) | 2.3548% | 6,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7475% | 6,843 |
| Loan loss allowance to noncurrent loans | 37.8972% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 3.7135% | 1,579 |
| Noncurrent loans to loans | 1.9726% | 3,245 |
| Net loans and leases to total assets | 63.7702% | 3,241 |
| Net loans and leases to deposits | 74.8560% | 3,367 |
| Net loans and leases to core deposits | 75.9090% | 3,990 |
| Total domestic deposits to total assets | 85.1905% | 3,744 |
| Equity capital to assets | 8.7596% | 5,839 |
| Core capital (leverage) ratio | 8.8253% | 5,065 |
| Tier 1 risk-based capital ratio | 12.3349% | 5,591 |
| Total risk-based capital ratio | 13.0372% | 5,949 |
| Memoranda: | ||
| Average total assets | $130,969,200 | 4,148 |
| Average earning assets | $115,190,600 | 4,255 |
| Average equity | $11,542,600 | 4,650 |
| Average total loans | $86,268,600 | 3,959 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4561% | 1,376 |
| Cost of funding earning assets | 0.5694% | 6,432 |
| Net interest margin | 4.8867% | 524 |
| Noninterest income to average assets | 0.5917% | 3,219 |
| Noninterest expense to average assets | 4.0894% | 907 |
| Loan and lease loss provision to assets | 0.5402% | 1,824 |
| Net operating income to assets | 0.1688% | 5,776 |
| Return on assets (ROA) | 0.2315% | 5,751 |
| Pretax return on assets | 0.3478% | 5,606 |
| Return on Equity (ROE) | 2.6229% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.6229% | 4,791 |
| Net charge-offs to loans | 0.0823% | 5,152 |
| Credit loss provision to net charge-offs | 990.5660% | 266 |
| Earnings coverage of net charge-offs (x) | 14.5671% | 1,525 |
| Efficiency ratio | 83.7337% | 1,756 |
| Assets per employee ($millions) | 2.1369% | 7,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7691% | 6,864 |
| Loan loss allowance to noncurrent loans | 59.2322% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 3.4476% | 1,829 |
| Noncurrent loans to loans | 1.2985% | 4,369 |
| Net loans and leases to total assets | 64.1379% | 3,284 |
| Net loans and leases to deposits | 72.8508% | 3,827 |
| Net loans and leases to core deposits | 73.9122% | 4,458 |
| Total domestic deposits to total assets | 88.0401% | 2,014 |
| Equity capital to assets | 9.2189% | 5,480 |
| Core capital (leverage) ratio | 8.8053% | 5,260 |
| Tier 1 risk-based capital ratio | 12.6939% | 5,334 |
| Total risk-based capital ratio | 13.4135% | 5,760 |
| Memoranda: | ||
| Average total assets | $129,566,250 | 4,208 |
| Average earning assets | $113,802,750 | 4,310 |
| Average equity | $11,437,250 | 4,709 |
| Average total loans | $85,897,250 | 4,008 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4933% | 1,308 |
| Cost of funding earning assets | 0.6014% | 6,459 |
| Net interest margin | 4.8919% | 499 |
| Noninterest income to average assets | 0.5491% | 3,481 |
| Noninterest expense to average assets | 4.0231% | 1,014 |
| Loan and lease loss provision to assets | 0.5491% | 1,764 |
| Net operating income to assets | 0.1985% | 5,748 |
| Return on assets (ROA) | 0.2258% | 5,764 |
| Pretax return on assets | 0.3325% | 5,591 |
| Return on Equity (ROE) | 2.5969% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.5969% | 4,640 |
| Net charge-offs to loans | 0.1203% | 4,511 |
| Credit loss provision to net charge-offs | 682.6923% | 464 |
| Earnings coverage of net charge-offs (x) | 10.4615% | 1,807 |
| Efficiency ratio | 82.7027% | 1,988 |
| Assets per employee ($millions) | 2.0529% | 7,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5587% | 7,189 |
| Loan loss allowance to noncurrent loans | 50.2623% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 3.5120% | 1,875 |
| Noncurrent loans to loans | 1.1115% | 4,813 |
| Net loans and leases to total assets | 66.9880% | 2,822 |
| Net loans and leases to deposits | 76.0471% | 3,462 |
| Net loans and leases to core deposits | 77.1544% | 4,169 |
| Total domestic deposits to total assets | 88.0875% | 2,089 |
| Equity capital to assets | 9.2121% | 5,260 |
| Core capital (leverage) ratio | 8.7219% | 5,187 |
| Tier 1 risk-based capital ratio | 12.4551% | 5,389 |
| Total risk-based capital ratio | 12.9809% | 5,988 |
| Memoranda: | ||
| Average total assets | $129,304,330 | 4,244 |
| Average earning assets | $114,066,000 | 4,331 |
| Average equity | $11,244,000 | 4,752 |
| Average total loans | $86,445,330 | 4,035 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 2,297 |
| Cost of funding earning assets | 0.6197% | 6,526 |
| Net interest margin | 4.5619% | 936 |
| Noninterest income to average assets | 0.6906% | 2,624 |
| Noninterest expense to average assets | 3.8982% | 1,174 |
| Loan and lease loss provision to assets | 0.5065% | 1,717 |
| Net operating income to assets | 0.1902% | 5,814 |
| Return on assets (ROA) | 0.2087% | 5,821 |
| Pretax return on assets | 0.3131% | 5,617 |
| Return on Equity (ROE) | 2.4719% | 5,610 |
| Retained earnings to average equity (ytd only) | 2.4719% | 4,673 |
| Net charge-offs to loans | 0.1429% | 3,643 |
| Credit loss provision to net charge-offs | 532.2581% | 682 |
| Earnings coverage of net charge-offs (x) | 8.3226% | 1,834 |
| Efficiency ratio | 83.1152% | 2,065 |
| Assets per employee ($millions) | 2.1649% | 7,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3586% | 7,371 |
| Loan loss allowance to noncurrent loans | 21.1028% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 3.3212% | 2,053 |
| Noncurrent loans to loans | 1.6994% | 3,942 |
| Net loans and leases to total assets | 66.3118% | 2,927 |
| Net loans and leases to deposits | 76.2894% | 3,373 |
| Net loans and leases to core deposits | 77.3916% | 4,102 |
| Total domestic deposits to total assets | 86.9213% | 2,984 |
| Equity capital to assets | 8.5472% | 5,838 |
| Core capital (leverage) ratio | 8.6156% | 5,243 |
| Tier 1 risk-based capital ratio | 12.1180% | 5,581 |
| Total risk-based capital ratio | 12.4516% | 6,320 |
| Memoranda: | ||
| Average total assets | $130,317,500 | 4,253 |
| Average earning assets | $114,251,000 | 4,348 |
| Average equity | $11,003,500 | 4,799 |
| Average total loans | $86,798,000 | 4,053 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3297% | 7,590 |
| Cost of funding earning assets | 0.2332% | 7,536 |
| Net interest margin | 1.0965% | 7,577 |
| Noninterest income to average assets | 0.1970% | 6,364 |
| Noninterest expense to average assets | 0.9973% | 7,580 |
| Loan and lease loss provision to assets | 0.1396% | 5,791 |
| Net operating income to assets | 0.0280% | 5,757 |
| Return on assets (ROA) | 0.0380% | 5,872 |
| Pretax return on assets | 0.0411% | 5,811 |
| Return on Equity (ROE) | 0.5151% | 5,828 |
| Retained earnings to average equity (ytd only) | 0.5151% | 5,318 |
| Net charge-offs to loans | 0.0044% | 6,804 |
| Credit loss provision to net charge-offs | 4,500.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 54.7500% | 427 |
| Efficiency ratio | 85.4485% | 1,753 |
| Assets per employee ($millions) | 2.2938% | 7,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2019% | 7,525 |
| Loan loss allowance to noncurrent loans | 17.1206% | 6,911 |
| Noncurrent assets plus other real estate owned to assets | 3.0074% | 2,338 |
| Noncurrent loans to loans | 1.1795% | 4,746 |
| Net loans and leases to total assets | 66.5247% | 3,351 |
| Net loans and leases to deposits | 75.5540% | 3,910 |
| Net loans and leases to core deposits | 76.6236% | 4,626 |
| Total domestic deposits to total assets | 88.0492% | 2,217 |
| Equity capital to assets | 8.3407% | 6,095 |
| Core capital (leverage) ratio | 8.7560% | 4,924 |
| Tier 1 risk-based capital ratio | 12.1156% | 5,369 |
| Total risk-based capital ratio | 12.3062% | 6,260 |
| Memoranda: | ||
| Average total assets | $128,948,400 | 4,293 |
| Average earning assets | $114,087,200 | 4,373 |
| Average equity | $9,512,000 | 5,261 |
| Average total loans | $91,593,600 | 4,017 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3799% | 2,970 |
| Cost of funding earning assets | 1.1471% | 5,169 |
| Net interest margin | 4.2328% | 2,098 |
| Noninterest income to average assets | 0.8041% | 2,216 |
| Noninterest expense to average assets | 4.6328% | 514 |
| Loan and lease loss provision to assets | 0.7886% | 1,933 |
| Net operating income to assets | -0.6988% | 6,729 |
| Return on assets (ROA) | -0.4265% | 6,583 |
| Pretax return on assets | -0.5250% | 6,573 |
| Return on Equity (ROE) | -5.9800% | 6,712 |
| Retained earnings to average equity (ytd only) | -5.9800% | 6,626 |
| Net charge-offs to loans | 1.3390% | 1,515 |
| Credit loss provision to net charge-offs | 81.6327% | 5,089 |
| Earnings coverage of net charge-offs (x) | -0.0752% | 6,091 |
| Efficiency ratio | 101.5927% | 697 |
| Assets per employee ($millions) | 2.2109% | 7,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8063% | 6,990 |
| Loan loss allowance to noncurrent loans | 62.0748% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 3.3855% | 2,104 |
| Noncurrent loans to loans | 1.2990% | 4,687 |
| Net loans and leases to total assets | 67.6984% | 3,289 |
| Net loans and leases to deposits | 77.1698% | 3,983 |
| Net loans and leases to core deposits | 78.2503% | 4,777 |
| Total domestic deposits to total assets | 87.7266% | 2,146 |
| Equity capital to assets | 8.1121% | 6,701 |
| Core capital (leverage) ratio | 8.1390% | 6,137 |
| Tier 1 risk-based capital ratio | 11.2232% | 6,167 |
| Total risk-based capital ratio | 12.0167% | 6,557 |
| Memoranda: | ||
| Average total assets | $128,499,500 | 4,365 |
| Average earning assets | $114,026,750 | 4,429 |
| Average equity | $9,163,750 | 5,444 |
| Average total loans | $92,703,750 | 4,060 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4314% | 2,831 |
| Cost of funding earning assets | 1.1979% | 5,141 |
| Net interest margin | 4.2335% | 2,044 |
| Noninterest income to average assets | 0.8339% | 1,952 |
| Noninterest expense to average assets | 4.2434% | 767 |
| Loan and lease loss provision to assets | 1.1092% | 1,291 |
| Net operating income to assets | -0.6864% | 6,800 |
| Return on assets (ROA) | -0.6640% | 6,806 |
| Pretax return on assets | -0.7458% | 6,749 |
| Return on Equity (ROE) | -9.7783% | 6,960 |
| Retained earnings to average equity (ytd only) | -9.7783% | 6,906 |
| Net charge-offs to loans | 1.5948% | 1,186 |
| Credit loss provision to net charge-offs | 94.6309% | 4,279 |
| Earnings coverage of net charge-offs (x) | 0.2886% | 5,439 |
| Efficiency ratio | 92.6168% | 1,151 |
| Assets per employee ($millions) | 2.1405% | 7,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 6,621 |
| Loan loss allowance to noncurrent loans | 56.7568% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 3.9434% | 1,758 |
| Noncurrent loans to loans | 1.6606% | 4,206 |
| Net loans and leases to total assets | 71.6542% | 2,500 |
| Net loans and leases to deposits | 82.8223% | 3,111 |
| Net loans and leases to core deposits | 84.0587% | 4,134 |
| Total domestic deposits to total assets | 86.5156% | 2,811 |
| Equity capital to assets | 6.9152% | 7,377 |
| Core capital (leverage) ratio | 6.5815% | 7,355 |
| Tier 1 risk-based capital ratio | 9.0398% | 7,405 |
| Total risk-based capital ratio | 9.9761% | 7,471 |
| Memoranda: | ||
| Average total assets | $127,115,000 | 4,423 |
| Average earning assets | $112,530,330 | 4,496 |
| Average equity | $8,631,330 | 5,601 |
| Average total loans | $93,427,000 | 4,071 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4932% | 2,618 |
| Cost of funding earning assets | 1.2050% | 5,378 |
| Net interest margin | 4.2883% | 1,719 |
| Noninterest income to average assets | 0.8437% | 1,832 |
| Noninterest expense to average assets | 4.0273% | 990 |
| Loan and lease loss provision to assets | 0.5081% | 2,460 |
| Net operating income to assets | 0.2729% | 5,408 |
| Return on assets (ROA) | 0.3042% | 5,410 |
| Pretax return on assets | 0.1349% | 6,050 |
| Return on Equity (ROE) | 4.5219% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.5219% | 3,442 |
| Net charge-offs to loans | 0.7707% | 1,970 |
| Credit loss provision to net charge-offs | 89.0110% | 3,680 |
| Earnings coverage of net charge-offs (x) | 1.0714% | 4,121 |
| Efficiency ratio | 86.8154% | 1,710 |
| Assets per employee ($millions) | 2.0890% | 7,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 6,703 |
| Loan loss allowance to noncurrent loans | 104.5077% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 3.3650% | 2,112 |
| Noncurrent loans to loans | 0.9009% | 5,515 |
| Net loans and leases to total assets | 72.7425% | 2,277 |
| Net loans and leases to deposits | 86.1782% | 2,551 |
| Net loans and leases to core deposits | 87.9342% | 3,632 |
| Total domestic deposits to total assets | 84.4094% | 3,945 |
| Equity capital to assets | 6.8367% | 7,435 |
| Core capital (leverage) ratio | 7.0017% | 7,248 |
| Tier 1 risk-based capital ratio | 9.4575% | 7,326 |
| Total risk-based capital ratio | 10.4008% | 7,452 |
| Memoranda: | ||
| Average total assets | $127,529,000 | 4,467 |
| Average earning assets | $112,866,500 | 4,542 |
| Average equity | $8,580,500 | 5,665 |
| Average total loans | $94,465,000 | 4,113 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5496% | 3,877 |
| Cost of funding earning assets | 1.5550% | 5,259 |
| Net interest margin | 3.9946% | 2,885 |
| Noninterest income to average assets | 0.8344% | 2,254 |
| Noninterest expense to average assets | 4.4037% | 872 |
| Loan and lease loss provision to assets | 0.6968% | 3,033 |
| Net operating income to assets | -0.6694% | 6,327 |
| Return on assets (ROA) | -0.4965% | 6,171 |
| Pretax return on assets | -0.4594% | 5,974 |
| Return on Equity (ROE) | -6.5851% | 6,352 |
| Retained earnings to average equity (ytd only) | -12.4552% | 6,713 |
| Net charge-offs to loans | 0.6340% | 3,304 |
| Credit loss provision to net charge-offs | 145.7912% | 3,250 |
| Earnings coverage of net charge-offs (x) | 0.1347% | 6,024 |
| Efficiency ratio | 98.5593% | 1,177 |
| Assets per employee ($millions) | 2.1272% | 7,631 |
| Cash dividends to net income (ytd only)* | -89.1410% | 7,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9449% | 6,651 |
| Loan loss allowance to noncurrent loans | 46.0399% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 3.2516% | 2,111 |
| Noncurrent loans to loans | 2.0524% | 3,584 |
| Net loans and leases to total assets | 74.0059% | 2,271 |
| Net loans and leases to deposits | 86.4005% | 2,842 |
| Net loans and leases to core deposits | 103.2702% | 3,655 |
| Total domestic deposits to total assets | 85.6545% | 3,195 |
| Equity capital to assets | 6.6200% | 7,528 |
| Core capital (leverage) ratio | 7.0203% | 7,218 |
| Tier 1 risk-based capital ratio | 9.3359% | 7,310 |
| Total risk-based capital ratio | 10.2988% | 7,469 |
| Memoranda: | ||
| Average total assets | $124,281,600 | 4,462 |
| Average earning assets | $113,053,800 | 4,477 |
| Average equity | $9,369,600 | 5,483 |
| Average total loans | $93,690,200 | 4,111 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5731% | 4,016 |
| Cost of funding earning assets | 1.6211% | 5,302 |
| Net interest margin | 3.9520% | 3,027 |
| Noninterest income to average assets | 0.8662% | 2,121 |
| Noninterest expense to average assets | 4.1734% | 1,060 |
| Loan and lease loss provision to assets | 0.4839% | 3,482 |
| Net operating income to assets | -0.1275% | 5,939 |
| Return on assets (ROA) | 0.0011% | 5,767 |
| Pretax return on assets | 0.0302% | 5,646 |
| Return on Equity (ROE) | 0.0139% | 5,770 |
| Retained earnings to average equity (ytd only) | -7.6250% | 6,558 |
| Net charge-offs to loans | 0.3359% | 3,958 |
| Credit loss provision to net charge-offs | 190.6383% | 2,379 |
| Earnings coverage of net charge-offs (x) | 1.2340% | 4,845 |
| Efficiency ratio | 93.0188% | 1,464 |
| Assets per employee ($millions) | 2.0991% | 7,717 |
| Cash dividends to net income (ytd only)* | 55,136.8421% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 6,800 |
| Loan loss allowance to noncurrent loans | 33.5058% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 3.3896% | 1,974 |
| Noncurrent loans to loans | 2.6530% | 2,854 |
| Net loans and leases to total assets | 74.5417% | 2,364 |
| Net loans and leases to deposits | 87.9306% | 2,973 |
| Net loans and leases to core deposits | 106.6612% | 3,628 |
| Total domestic deposits to total assets | 84.7733% | 3,337 |
| Equity capital to assets | 7.4240% | 7,357 |
| Core capital (leverage) ratio | 7.4006% | 7,078 |
| Tier 1 risk-based capital ratio | 10.0949% | 6,887 |
| Total risk-based capital ratio | 11.0037% | 7,148 |
| Memoranda: | ||
| Average total assets | $123,444,750 | 4,511 |
| Average earning assets | $113,088,750 | 4,514 |
| Average equity | $9,599,750 | 5,458 |
| Average total loans | $93,274,250 | 4,167 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6541% | 3,795 |
| Cost of funding earning assets | 1.6586% | 5,475 |
| Net interest margin | 3.9955% | 2,715 |
| Noninterest income to average assets | 0.9004% | 1,988 |
| Noninterest expense to average assets | 4.2166% | 1,052 |
| Loan and lease loss provision to assets | 0.3556% | 3,791 |
| Net operating income to assets | -0.0004% | 5,841 |
| Return on assets (ROA) | 0.2284% | 5,251 |
| Pretax return on assets | 0.2675% | 5,279 |
| Return on Equity (ROE) | 2.8917% | 4,942 |
| Retained earnings to average equity (ytd only) | -7.4357% | 6,610 |
| Net charge-offs to loans | 0.3039% | 3,663 |
| Credit loss provision to net charge-offs | 154.6099% | 2,972 |
| Earnings coverage of net charge-offs (x) | 1.5390% | 4,384 |
| Efficiency ratio | 92.2555% | 1,619 |
| Assets per employee ($millions) | 2.0712% | 7,801 |
| Cash dividends to net income (ytd only)* | 357.1429% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 7,333 |
| Loan loss allowance to noncurrent loans | 35.5668% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 1.9407% | 3,282 |
| Noncurrent loans to loans | 2.0805% | 3,414 |
| Net loans and leases to total assets | 74.9553% | 2,447 |
| Net loans and leases to deposits | 87.5963% | 3,242 |
| Net loans and leases to core deposits | 100.6932% | 4,442 |
| Total domestic deposits to total assets | 85.5690% | 2,984 |
| Equity capital to assets | 7.2468% | 7,449 |
| Core capital (leverage) ratio | 7.5607% | 6,946 |
| Tier 1 risk-based capital ratio | 10.3525% | 6,530 |
| Total risk-based capital ratio | 11.1185% | 7,003 |
| Memoranda: | ||
| Average total assets | $122,612,000 | 4,565 |
| Average earning assets | $112,625,330 | 4,548 |
| Average equity | $9,683,000 | 5,463 |
| Average total loans | $92,791,670 | 4,210 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5724% | 4,515 |
| Cost of funding earning assets | 1.6854% | 5,660 |
| Net interest margin | 3.8870% | 3,089 |
| Noninterest income to average assets | 0.9044% | 1,832 |
| Noninterest expense to average assets | 4.0018% | 1,185 |
| Loan and lease loss provision to assets | 0.5400% | 2,312 |
| Net operating income to assets | -0.0612% | 6,348 |
| Return on assets (ROA) | 0.2750% | 5,556 |
| Pretax return on assets | 0.3081% | 5,662 |
| Return on Equity (ROE) | 3.3379% | 5,233 |
| Retained earnings to average equity (ytd only) | -12.7482% | 7,306 |
| Net charge-offs to loans | 0.4372% | 2,360 |
| Credit loss provision to net charge-offs | 163.0000% | 2,609 |
| Earnings coverage of net charge-offs (x) | 1.4200% | 4,027 |
| Efficiency ratio | 89.4815% | 1,763 |
| Assets per employee ($millions) | 2.0181% | 7,881 |
| Cash dividends to net income (ytd only)* | 481.9277% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7517% | 7,307 |
| Loan loss allowance to noncurrent loans | 36.3828% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 1.9597% | 2,964 |
| Noncurrent loans to loans | 2.0660% | 3,174 |
| Net loans and leases to total assets | 75.4567% | 2,400 |
| Net loans and leases to deposits | 91.0821% | 2,758 |
| Net loans and leases to core deposits | 102.5178% | 4,289 |
| Total domestic deposits to total assets | 82.8447% | 4,220 |
| Equity capital to assets | 7.9636% | 6,865 |
| Core capital (leverage) ratio | 7.9920% | 6,465 |
| Tier 1 risk-based capital ratio | 10.7582% | 6,135 |
| Total risk-based capital ratio | 11.5349% | 6,534 |
| Memoranda: | ||
| Average total assets | $120,745,000 | 4,631 |
| Average earning assets | $110,831,000 | 4,614 |
| Average equity | $9,946,500 | 5,401 |
| Average total loans | $91,483,000 | 4,273 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5030% | 2,945 |
| Cost of funding earning assets | 2.1475% | 5,845 |
| Net interest margin | 4.3555% | 1,808 |
| Noninterest income to average assets | 1.1108% | 1,268 |
| Noninterest expense to average assets | 4.0795% | 1,309 |
| Loan and lease loss provision to assets | 0.2471% | 4,444 |
| Net operating income to assets | 0.7166% | 3,818 |
| Return on assets (ROA) | 0.8402% | 3,099 |
| Pretax return on assets | 0.8896% | 3,757 |
| Return on Equity (ROE) | 10.0489% | 2,247 |
| Retained earnings to average equity (ytd only) | -0.4709% | 5,430 |
| Net charge-offs to loans | 0.2256% | 3,980 |
| Credit loss provision to net charge-offs | 154.4503% | 3,380 |
| Earnings coverage of net charge-offs (x) | 6.2827% | 3,398 |
| Efficiency ratio | 80.2306% | 2,563 |
| Assets per employee ($millions) | 1.9738% | 7,934 |
| Cash dividends to net income (ytd only)* | 104.6859% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6919% | 7,454 |
| Loan loss allowance to noncurrent loans | 32.0428% | 6,590 |
| Noncurrent assets plus other real estate owned to assets | 2.0232% | 2,432 |
| Noncurrent loans to loans | 2.1594% | 2,554 |
| Net loans and leases to total assets | 74.9788% | 2,884 |
| Net loans and leases to deposits | 89.6939% | 3,506 |
| Net loans and leases to core deposits | 102.0379% | 4,605 |
| Total domestic deposits to total assets | 83.5941% | 3,536 |
| Equity capital to assets | 8.5131% | 6,063 |
| Core capital (leverage) ratio | 8.2782% | 6,000 |
| Tier 1 risk-based capital ratio | 11.1527% | 5,596 |
| Total risk-based capital ratio | 11.8611% | 5,990 |
| Memoranda: | ||
| Average total assets | $119,378,400 | 4,541 |
| Average earning assets | $108,919,400 | 4,535 |
| Average equity | $9,981,200 | 5,417 |
| Average total loans | $84,654,600 | 4,376 |