Home > New Republic Bank > Performance and Condition Ratios
New Republic Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5849% | 1,049 |
| Cost of funding earning assets | 3.0644% | 131 |
| Net interest margin | 2.5204% | 4,075 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 5.3328% | 207 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | -2.6000% | 4,576 |
| Return on assets (ROA) | -2.6000% | 4,573 |
| Pretax return on assets | -2.8063% | 4,575 |
| Return on Equity (ROE) | -17.2900% | 4,535 |
| Retained earnings to average equity (ytd only) | -17.2862% | 4,508 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 119.3997% | 79 |
| Assets per employee ($millions) | 6.1907% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 3,753 |
| Loan loss allowance to noncurrent loans | 3,069.6970% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,557 |
| Noncurrent loans to loans | 0.0289% | 3,532 |
| Net loans and leases to total assets | 79.4100% | 715 |
| Net loans and leases to deposits | 100.5209% | 509 |
| Net loans and leases to core deposits | 127.1288% | 459 |
| Total domestic deposits to total assets | 79.0000% | 3,612 |
| Equity capital to assets | 12.7624% | 918 |
| Core capital (leverage) ratio | 12.4218% | 1,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0806% | 781 |
| Memoranda: | ||
| Average total assets | $138,689,800 | 3,473 |
| Average earning assets | $130,334,000 | 3,446 |
| Average equity | $20,860,600 | 2,786 |
| Average total loans | $102,477,000 | 3,152 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4265% | 1,096 |
| Cost of funding earning assets | 2.9008% | 135 |
| Net interest margin | 2.5257% | 4,115 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 3.2363% | 780 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | -0.5071% | 4,536 |
| Return on assets (ROA) | -0.5071% | 4,524 |
| Pretax return on assets | -0.6417% | 4,527 |
| Return on Equity (ROE) | -3.2400% | 4,476 |
| Retained earnings to average equity (ytd only) | -3.2446% | 4,372 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 118.9692% | 79 |
| Assets per employee ($millions) | 5.8753% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 3,754 |
| Loan loss allowance to noncurrent loans | 2,244.1860% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,501 |
| Noncurrent loans to loans | 0.0398% | 3,481 |
| Net loans and leases to total assets | 75.9300% | 1,132 |
| Net loans and leases to deposits | 98.1339% | 609 |
| Net loans and leases to core deposits | 122.9451% | 484 |
| Total domestic deposits to total assets | 77.3700% | 3,891 |
| Equity capital to assets | 14.9453% | 542 |
| Core capital (leverage) ratio | 13.7994% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6610% | 645 |
| Memoranda: | ||
| Average total assets | $137,765,500 | 3,487 |
| Average earning assets | $129,019,000 | 3,462 |
| Average equity | $21,532,750 | 2,720 |
| Average total loans | $99,574,000 | 3,182 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2294% | 1,174 |
| Cost of funding earning assets | 2.6295% | 149 |
| Net interest margin | 2.5999% | 4,112 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 3.3098% | 684 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | -0.4609% | 4,564 |
| Return on assets (ROA) | -0.4609% | 4,559 |
| Pretax return on assets | -0.5824% | 4,559 |
| Return on Equity (ROE) | -2.9100% | 4,510 |
| Retained earnings to average equity (ytd only) | -2.9051% | 4,338 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 113.3569% | 88 |
| Assets per employee ($millions) | 5.7640% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 3,737 |
| Loan loss allowance to noncurrent loans | 2,260.4651% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 3,477 |
| Noncurrent loans to loans | 0.0404% | 3,439 |
| Net loans and leases to total assets | 76.1900% | 1,030 |
| Net loans and leases to deposits | 99.5100% | 538 |
| Net loans and leases to core deposits | 128.1229% | 354 |
| Total domestic deposits to total assets | 76.5700% | 3,997 |
| Equity capital to assets | 15.4588% | 481 |
| Core capital (leverage) ratio | 14.1857% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4886% | 594 |
| Memoranda: | ||
| Average total assets | $136,684,667 | 3,503 |
| Average earning assets | $128,083,667 | 3,484 |
| Average equity | $21,685,667 | 2,724 |
| Average total loans | $96,754,333 | 3,209 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1769% | 983 |
| Cost of funding earning assets | 2.2371% | 176 |
| Net interest margin | 2.9399% | 3,722 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 3.3829% | 616 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | -0.0027% | 4,499 |
| Return on assets (ROA) | 0.0854% | 4,416 |
| Pretax return on assets | 0.0972% | 4,406 |
| Return on Equity (ROE) | 0.5300% | 4,417 |
| Retained earnings to average equity (ytd only) | 0.5312% | 3,943 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 98.1943% | 199 |
| Assets per employee ($millions) | 5.6185% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 3,847 |
| Loan loss allowance to noncurrent loans | 2,016.2791% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,464 |
| Noncurrent loans to loans | 0.0447% | 3,416 |
| Net loans and leases to total assets | 70.6700% | 1,559 |
| Net loans and leases to deposits | 84.8655% | 1,436 |
| Net loans and leases to core deposits | 105.8537% | 841 |
| Total domestic deposits to total assets | 83.2800% | 3,243 |
| Equity capital to assets | 16.1920% | 387 |
| Core capital (leverage) ratio | 14.6643% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5198% | 1,792 |
| Memoranda: | ||
| Average total assets | $135,859,500 | 3,558 |
| Average earning assets | $127,488,500 | 3,533 |
| Average equity | $21,836,000 | 2,732 |
| Average total loans | $91,946,000 | 3,303 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0270% | 1,646 |
| Cost of funding earning assets | 0.7009% | 578 |
| Net interest margin | 3.3261% | 2,491 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 4.2261% | 292 |
| Loan and lease loss provision to assets | 0.6000% | 92 |
| Net operating income to assets | -1.4019% | 4,674 |
| Return on assets (ROA) | -1.6524% | 4,680 |
| Pretax return on assets | -2.0074% | 4,680 |
| Return on Equity (ROE) | -8.1000% | 4,648 |
| Retained earnings to average equity (ytd only) | -8.0970% | 4,614 |
| Net charge-offs to loans | -0.0821% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 134.6154% | 51 |
| Assets per employee ($millions) | 5.6884% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 3,479 |
| Loan loss allowance to noncurrent loans | 127.2997% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4937% | 1,030 |
| Noncurrent loans to loans | 0.7683% | 976 |
| Net loans and leases to total assets | 63.6300% | 2,277 |
| Net loans and leases to deposits | 76.9433% | 2,041 |
| Net loans and leases to core deposits | 81.7206% | 2,026 |
| Total domestic deposits to total assets | 82.7000% | 3,489 |
| Equity capital to assets | 15.8502% | 397 |
| Core capital (leverage) ratio | 17.6313% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3613% | 688 |
| Memoranda: | ||
| Average total assets | $100,825,600 | 3,919 |
| Average earning assets | $91,458,000 | 3,922 |
| Average equity | $20,575,600 | 2,900 |
| Average total loans | $56,019,200 | 3,808 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 2,367 |
| Cost of funding earning assets | 0.3803% | 1,437 |
| Net interest margin | 3.2130% | 2,586 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 4.5062% | 251 |
| Loan and lease loss provision to assets | 0.5400% | 92 |
| Net operating income to assets | -1.5143% | 4,718 |
| Return on assets (ROA) | -1.7148% | 4,721 |
| Pretax return on assets | -2.3126% | 4,731 |
| Return on Equity (ROE) | -7.7600% | 4,688 |
| Retained earnings to average equity (ytd only) | -7.7596% | 4,652 |
| Net charge-offs to loans | -0.1275% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 150.4864% | 42 |
| Assets per employee ($millions) | 5.1728% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 3,618 |
| Loan loss allowance to noncurrent loans | 204.9180% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 1,768 |
| Noncurrent loans to loans | 0.4730% | 1,617 |
| Net loans and leases to total assets | 61.7200% | 2,323 |
| Net loans and leases to deposits | 80.4800% | 1,555 |
| Net loans and leases to core deposits | 87.7811% | 1,424 |
| Total domestic deposits to total assets | 76.6900% | 4,336 |
| Equity capital to assets | 21.2614% | 193 |
| Core capital (leverage) ratio | 19.9086% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5230% | 329 |
| Memoranda: | ||
| Average total assets | $91,901,500 | 4,021 |
| Average earning assets | $82,040,250 | 4,049 |
| Average equity | $20,309,750 | 2,968 |
| Average total loans | $48,092,250 | 3,943 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1809% | 3,103 |
| Cost of funding earning assets | 0.1883% | 3,070 |
| Net interest margin | 2.9926% | 2,903 |
| Noninterest income to average assets | 0.1249% | 4,372 |
| Noninterest expense to average assets | 4.6110% | 198 |
| Loan and lease loss provision to assets | 0.5701% | 91 |
| Net operating income to assets | -1.5594% | 4,729 |
| Return on assets (ROA) | -1.8376% | 4,727 |
| Pretax return on assets | -2.7734% | 4,738 |
| Return on Equity (ROE) | -8.1934% | 4,710 |
| Retained earnings to average equity (ytd only) | -8.1934% | 4,628 |
| Net charge-offs to loans | -0.2158% | 4,602 |
| Credit loss provision to net charge-offs | -547.8261% | 3,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.1728% | 31 |
| Assets per employee ($millions) | 4.1961% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 3,686 |
| Loan loss allowance to noncurrent loans | 160.0629% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 1,555 |
| Noncurrent loans to loans | 0.6122% | 1,389 |
| Net loans and leases to total assets | 58.3711% | 2,489 |
| Net loans and leases to deposits | 80.0997% | 1,380 |
| Net loans and leases to core deposits | 91.2131% | 1,055 |
| Total domestic deposits to total assets | 72.8730% | 4,565 |
| Equity capital to assets | 25.4883% | 90 |
| Core capital (leverage) ratio | 25.0594% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6358% | 217 |
| Memoranda: | ||
| Average total assets | $88,050,333 | 4,102 |
| Average earning assets | $77,524,333 | 4,149 |
| Average equity | $19,747,667 | 3,090 |
| Average total loans | $42,630,667 | 4,094 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9404% | 3,429 |
| Cost of funding earning assets | 0.1680% | 3,244 |
| Net interest margin | 2.7724% | 3,218 |
| Noninterest income to average assets | 0.0500% | 4,657 |
| Noninterest expense to average assets | 5.1763% | 165 |
| Loan and lease loss provision to assets | 0.6590% | 65 |
| Net operating income to assets | -2.9909% | 4,773 |
| Return on assets (ROA) | -3.0949% | 4,773 |
| Pretax return on assets | -3.5039% | 4,773 |
| Return on Equity (ROE) | -14.8112% | 4,763 |
| Retained earnings to average equity (ytd only) | -14.8112% | 4,640 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 209.6475% | 22 |
| Assets per employee ($millions) | 4.2485% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 4,155 |
| Loan loss allowance to noncurrent loans | 102.5937% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 1,551 |
| Noncurrent loans to loans | 0.8273% | 1,136 |
| Net loans and leases to total assets | 46.6117% | 3,526 |
| Net loans and leases to deposits | 63.4610% | 2,581 |
| Net loans and leases to core deposits | 64.3527% | 2,769 |
| Total domestic deposits to total assets | 73.4493% | 4,588 |
| Equity capital to assets | 25.7896% | 83 |
| Core capital (leverage) ratio | 23.4004% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.1143% | 142 |
| Memoranda: | ||
| Average total assets | $88,016,000 | 4,123 |
| Average earning assets | $76,180,500 | 4,186 |
| Average equity | $18,391,500 | 3,286 |
| Average total loans | $37,973,500 | 4,191 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6155% | 2,337 |
| Cost of funding earning assets | 0.1427% | 4,032 |
| Net interest margin | 3.4728% | 1,818 |
| Noninterest income to average assets | 0.3580% | 3,293 |
| Noninterest expense to average assets | 4.7616% | 188 |
| Loan and lease loss provision to assets | 0.2226% | 451 |
| Net operating income to assets | -1.4645% | 4,808 |
| Return on assets (ROA) | -1.4822% | 4,808 |
| Pretax return on assets | -1.7442% | 4,807 |
| Return on Equity (ROE) | -8.7626% | 4,799 |
| Retained earnings to average equity (ytd only) | -8.7626% | 4,751 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.0966% | 42 |
| Assets per employee ($millions) | 4.3407% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6205% | 4,532 |
| Loan loss allowance to noncurrent loans | 127.8788% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 2,611 |
| Noncurrent loans to loans | 0.4852% | 1,914 |
| Net loans and leases to total assets | 38.9269% | 4,149 |
| Net loans and leases to deposits | 46.7743% | 4,056 |
| Net loans and leases to core deposits | 47.3690% | 4,125 |
| Total domestic deposits to total assets | 83.2228% | 3,760 |
| Equity capital to assets | 15.8661% | 395 |
| Core capital (leverage) ratio | 17.8694% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5748% | 249 |
| Memoranda: | ||
| Average total assets | $81,296,200 | 4,197 |
| Average earning assets | $67,956,600 | 4,292 |
| Average equity | $13,751,600 | 3,765 |
| Average total loans | $45,583,000 | 4,075 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 1,844 |
| Cost of funding earning assets | 0.1680% | 3,941 |
| Net interest margin | 3.7048% | 1,319 |
| Noninterest income to average assets | 0.4404% | 2,885 |
| Noninterest expense to average assets | 4.9684% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -1.0461% | 4,864 |
| Return on assets (ROA) | -1.0461% | 4,867 |
| Pretax return on assets | -1.4014% | 4,874 |
| Return on Equity (ROE) | -6.0816% | 4,860 |
| Retained earnings to average equity (ytd only) | -6.0816% | 4,804 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.4649% | 48 |
| Assets per employee ($millions) | 2.5032% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0873% | 4,853 |
| Loan loss allowance to noncurrent loans | 18.0723% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 2,206 |
| Noncurrent loans to loans | 0.4828% | 2,105 |
| Net loans and leases to total assets | 52.7779% | 3,112 |
| Net loans and leases to deposits | 68.4345% | 2,401 |
| Net loans and leases to core deposits | 70.0720% | 2,593 |
| Total domestic deposits to total assets | 77.1219% | 4,487 |
| Equity capital to assets | 22.1007% | 132 |
| Core capital (leverage) ratio | 17.4099% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,916,750 | 4,269 |
| Average earning assets | $67,442,750 | 4,351 |
| Average equity | $13,746,000 | 3,810 |
| Average total loans | $48,477,500 | 4,081 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 1,703 |
| Cost of funding earning assets | 0.1596% | 4,126 |
| Net interest margin | 3.7850% | 1,163 |
| Noninterest income to average assets | 0.5562% | 2,385 |
| Noninterest expense to average assets | 5.0553% | 174 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.7000% | 4,883 |
| Return on assets (ROA) | -0.7000% | 4,887 |
| Pretax return on assets | -1.2020% | 4,902 |
| Return on Equity (ROE) | -4.3892% | 4,871 |
| Retained earnings to average equity (ytd only) | -4.3892% | 4,772 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.6024% | 58 |
| Assets per employee ($millions) | 2.7323% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0853% | 4,892 |
| Loan loss allowance to noncurrent loans | 8.8757% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 1,570 |
| Noncurrent loans to loans | 0.9606% | 1,287 |
| Net loans and leases to total assets | 49.4876% | 3,609 |
| Net loans and leases to deposits | 69.2838% | 2,487 |
| Net loans and leases to core deposits | 70.9219% | 2,695 |
| Total domestic deposits to total assets | 71.4274% | 4,723 |
| Equity capital to assets | 20.7123% | 161 |
| Core capital (leverage) ratio | 15.0034% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2187% | 171 |
| Memoranda: | ||
| Average total assets | $84,861,000 | 4,233 |
| Average earning assets | $73,924,333 | 4,287 |
| Average equity | $13,533,333 | 3,839 |
| Average total loans | $53,176,667 | 4,018 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 1,203 |
| Cost of funding earning assets | 0.3131% | 2,863 |
| Net interest margin | 3.8880% | 1,009 |
| Noninterest income to average assets | 0.1046% | 4,662 |
| Noninterest expense to average assets | 4.3013% | 234 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.5840% | 4,901 |
| Return on assets (ROA) | -0.5840% | 4,902 |
| Pretax return on assets | -0.8411% | 4,918 |
| Return on Equity (ROE) | -4.1312% | 4,897 |
| Retained earnings to average equity (ytd only) | -4.1312% | 4,665 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.7960% | 65 |
| Assets per employee ($millions) | 4.1610% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0491% | 4,924 |
| Loan loss allowance to noncurrent loans | 8.7719% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 1,846 |
| Noncurrent loans to loans | 0.5595% | 2,180 |
| Net loans and leases to total assets | 66.7413% | 1,691 |
| Net loans and leases to deposits | 84.0665% | 1,135 |
| Net loans and leases to core deposits | 87.0501% | 1,450 |
| Total domestic deposits to total assets | 79.3911% | 4,284 |
| Equity capital to assets | 14.0655% | 658 |
| Core capital (leverage) ratio | 10.8663% | 1,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0104% | 1,070 |
| Memoranda: | ||
| Average total assets | $91,786,500 | 4,164 |
| Average earning assets | $79,219,000 | 4,232 |
| Average equity | $12,974,500 | 3,905 |
| Average total loans | $62,207,000 | 3,875 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6384% | 4,981 |
| Cost of funding earning assets | 0.0851% | 4,901 |
| Net interest margin | 0.5532% | 4,979 |
| Noninterest income to average assets | 0.0303% | 4,898 |
| Noninterest expense to average assets | 0.6865% | 4,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.1544% | 4,807 |
| Return on assets (ROA) | -0.1544% | 4,821 |
| Pretax return on assets | -0.1544% | 4,809 |
| Return on Equity (ROE) | -1.4066% | 4,830 |
| Retained earnings to average equity (ytd only) | -1.4066% | 4,667 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.7617% | 74 |
| Assets per employee ($millions) | 4.1832% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,951 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 1,996 |
| Noncurrent loans to loans | 0.5451% | 2,347 |
| Net loans and leases to total assets | 68.7678% | 1,724 |
| Net loans and leases to deposits | 90.0960% | 923 |
| Net loans and leases to core deposits | 94.0567% | 1,247 |
| Total domestic deposits to total assets | 76.3273% | 4,485 |
| Equity capital to assets | 14.2052% | 748 |
| Core capital (leverage) ratio | 13.4058% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6780% | 1,109 |
| Memoranda: | ||
| Average total assets | $72,543,400 | 4,349 |
| Average earning assets | $65,793,800 | 4,357 |
| Average equity | $7,962,400 | 4,425 |
| Average total loans | $59,236,200 | 3,937 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6335% | 172 |
| Cost of funding earning assets | 1.6554% | 56 |
| Net interest margin | 3.9781% | 1,164 |
| Noninterest income to average assets | 0.1694% | 4,455 |
| Noninterest expense to average assets | 3.5780% | 635 |
| Loan and lease loss provision to assets | 0.0828% | 3,280 |
| Net operating income to assets | 0.3231% | 4,404 |
| Return on assets (ROA) | 0.3231% | 4,459 |
| Pretax return on assets | 0.1734% | 4,680 |
| Return on Equity (ROE) | 3.2710% | 4,338 |
| Retained earnings to average equity (ytd only) | 3.2710% | 3,408 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3196% | 277 |
| Assets per employee ($millions) | 4.6519% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,705 |
| Loan loss allowance to noncurrent loans | 214.5907% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7739% | 1,496 |
| Noncurrent loans to loans | 0.4660% | 2,658 |
| Net loans and leases to total assets | 85.5470% | 174 |
| Net loans and leases to deposits | 109.2238% | 243 |
| Net loans and leases to core deposits | 125.8921% | 306 |
| Total domestic deposits to total assets | 78.3227% | 4,149 |
| Equity capital to assets | 9.7079% | 3,509 |
| Core capital (leverage) ratio | 9.5380% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8387% | 1,880 |
| Memoranda: | ||
| Average total assets | $67,671,750 | 4,424 |
| Average earning assets | $62,339,500 | 4,425 |
| Average equity | $6,684,750 | 4,579 |
| Average total loans | $58,223,500 | 3,971 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7240% | 221 |
| Cost of funding earning assets | 1.7620% | 57 |
| Net interest margin | 3.9620% | 1,418 |
| Noninterest income to average assets | 0.1493% | 4,559 |
| Noninterest expense to average assets | 3.5807% | 674 |
| Loan and lease loss provision to assets | 0.1105% | 2,909 |
| Net operating income to assets | 0.3614% | 4,311 |
| Return on assets (ROA) | 0.3614% | 4,368 |
| Pretax return on assets | 0.1045% | 4,720 |
| Return on Equity (ROE) | 3.6364% | 4,212 |
| Retained earnings to average equity (ytd only) | 3.6364% | 3,104 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3352% | 288 |
| Assets per employee ($millions) | 4.7313% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,575 |
| Loan loss allowance to noncurrent loans | 161.6216% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.9469% | 1,288 |
| Noncurrent loans to loans | 0.6192% | 2,310 |
| Net loans and leases to total assets | 83.3521% | 306 |
| Net loans and leases to deposits | 106.9982% | 294 |
| Net loans and leases to core deposits | 123.7708% | 347 |
| Total domestic deposits to total assets | 77.9005% | 4,198 |
| Equity capital to assets | 9.4843% | 3,671 |
| Core capital (leverage) ratio | 9.8022% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8081% | 1,890 |
| Memoranda: | ||
| Average total assets | $66,969,667 | 4,446 |
| Average earning assets | $61,635,333 | 4,443 |
| Average equity | $6,655,000 | 4,608 |
| Average total loans | $57,532,667 | 3,987 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8607% | 201 |
| Cost of funding earning assets | 1.8910% | 53 |
| Net interest margin | 3.9697% | 1,482 |
| Noninterest income to average assets | 0.1601% | 4,574 |
| Noninterest expense to average assets | 3.6694% | 727 |
| Loan and lease loss provision to assets | 0.0431% | 3,240 |
| Net operating income to assets | 0.0862% | 4,667 |
| Return on assets (ROA) | 0.0862% | 4,661 |
| Pretax return on assets | 0.0924% | 4,670 |
| Return on Equity (ROE) | 0.8463% | 4,647 |
| Retained earnings to average equity (ytd only) | 0.8463% | 3,781 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4401% | 312 |
| Assets per employee ($millions) | 4.3683% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,706 |
| Loan loss allowance to noncurrent loans | 389.0411% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 1,939 |
| Noncurrent loans to loans | 0.2573% | 3,573 |
| Net loans and leases to total assets | 85.7398% | 158 |
| Net loans and leases to deposits | 112.4790% | 158 |
| Net loans and leases to core deposits | 136.6835% | 194 |
| Total domestic deposits to total assets | 76.2274% | 4,459 |
| Equity capital to assets | 10.1091% | 3,684 |
| Core capital (leverage) ratio | 9.9900% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0462% | 1,890 |
| Memoranda: | ||
| Average total assets | $64,969,500 | 4,484 |
| Average earning assets | $59,652,000 | 4,485 |
| Average equity | $6,617,000 | 4,648 |
| Average total loans | $56,422,500 | 4,022 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8386% | 301 |
| Cost of funding earning assets | 1.9591% | 74 |
| Net interest margin | 3.8795% | 2,244 |
| Noninterest income to average assets | 0.2258% | 4,312 |
| Noninterest expense to average assets | 3.8606% | 619 |
| Loan and lease loss provision to assets | 0.0031% | 3,938 |
| Net operating income to assets | -0.0650% | 4,995 |
| Return on assets (ROA) | -0.0650% | 5,005 |
| Pretax return on assets | -0.0820% | 5,001 |
| Return on Equity (ROE) | -0.6363% | 5,009 |
| Retained earnings to average equity (ytd only) | -0.6363% | 4,778 |
| Net charge-offs to loans | 0.0199% | 3,024 |
| Credit loss provision to net charge-offs | 18.1818% | 3,325 |
| Earnings coverage of net charge-offs (x) | -4.6364% | 3,679 |
| Efficiency ratio | 102.0859% | 142 |
| Assets per employee ($millions) | 4.2935% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,513 |
| Loan loss allowance to noncurrent loans | 273.6585% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 1,633 |
| Noncurrent loans to loans | 0.3654% | 3,142 |
| Net loans and leases to total assets | 86.2318% | 150 |
| Net loans and leases to deposits | 112.2191% | 152 |
| Net loans and leases to core deposits | 138.9209% | 182 |
| Total domestic deposits to total assets | 76.8423% | 4,508 |
| Equity capital to assets | 10.2217% | 3,710 |
| Core capital (leverage) ratio | 10.0933% | 3,417 |
| Tier 1 risk-based capital ratio | 14.4981% | 3,019 |
| Total risk-based capital ratio | 15.7463% | 2,921 |
| Memoranda: | ||
| Average total assets | $64,653,200 | 4,525 |
| Average earning assets | $59,260,400 | 4,531 |
| Average equity | $6,600,200 | 4,684 |
| Average total loans | $55,392,200 | 4,071 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8306% | 333 |
| Cost of funding earning assets | 1.9585% | 75 |
| Net interest margin | 3.8721% | 2,358 |
| Noninterest income to average assets | 0.2740% | 4,107 |
| Noninterest expense to average assets | 3.9309% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.1092% | 5,087 |
| Return on assets (ROA) | -0.1092% | 5,095 |
| Pretax return on assets | -0.1092% | 5,089 |
| Return on Equity (ROE) | -1.0699% | 5,100 |
| Retained earnings to average equity (ytd only) | -1.0699% | 4,865 |
| Net charge-offs to loans | 0.0266% | 2,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -4.8166% | 3,421 |
| Efficiency ratio | 102.8571% | 133 |
| Assets per employee ($millions) | 3.9643% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,388 |
| Loan loss allowance to noncurrent loans | 143.7018% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 1.4741% | 767 |
| Noncurrent loans to loans | 0.7179% | 2,167 |
| Net loans and leases to total assets | 84.5433% | 291 |
| Net loans and leases to deposits | 110.5374% | 212 |
| Net loans and leases to core deposits | 139.1953% | 191 |
| Total domestic deposits to total assets | 76.4839% | 4,589 |
| Equity capital to assets | 10.3612% | 3,668 |
| Core capital (leverage) ratio | 10.0589% | 3,579 |
| Tier 1 risk-based capital ratio | 14.7974% | 2,954 |
| Total risk-based capital ratio | 16.0459% | 2,881 |
| Memoranda: | ||
| Average total assets | $64,716,000 | 4,580 |
| Average earning assets | $59,294,750 | 4,585 |
| Average equity | $6,604,500 | 4,741 |
| Average total loans | $55,216,250 | 4,118 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7791% | 347 |
| Cost of funding earning assets | 1.9219% | 78 |
| Net interest margin | 3.8572% | 2,382 |
| Noninterest income to average assets | 0.2303% | 4,378 |
| Noninterest expense to average assets | 3.8560% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.0890% | 5,127 |
| Return on assets (ROA) | -0.0890% | 5,132 |
| Pretax return on assets | -0.0890% | 5,129 |
| Return on Equity (ROE) | -0.8768% | 5,139 |
| Retained earnings to average equity (ytd only) | -0.8768% | 4,816 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3635% | 143 |
| Assets per employee ($millions) | 4.0494% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 3,501 |
| Loan loss allowance to noncurrent loans | 205.7762% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 1.3150% | 955 |
| Noncurrent loans to loans | 0.4958% | 2,796 |
| Net loans and leases to total assets | 85.3573% | 263 |
| Net loans and leases to deposits | 112.0946% | 182 |
| Net loans and leases to core deposits | 142.5555% | 178 |
| Total domestic deposits to total assets | 76.1476% | 4,649 |
| Equity capital to assets | 10.1806% | 3,807 |
| Core capital (leverage) ratio | 9.9252% | 3,669 |
| Tier 1 risk-based capital ratio | 14.4009% | 3,118 |
| Total risk-based capital ratio | 15.6494% | 3,037 |
| Memoranda: | ||
| Average total assets | $65,145,000 | 4,605 |
| Average earning assets | $59,732,000 | 4,612 |
| Average equity | $6,615,330 | 4,767 |
| Average total loans | $55,560,330 | 4,132 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7039% | 363 |
| Cost of funding earning assets | 1.8680% | 80 |
| Net interest margin | 3.8360% | 2,396 |
| Noninterest income to average assets | 0.2449% | 4,254 |
| Noninterest expense to average assets | 3.7659% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0000% | 5,147 |
| Return on assets (ROA) | 0.0000% | 5,150 |
| Pretax return on assets | 0.0000% | 5,142 |
| Return on Equity (ROE) | 0.0000% | 5,150 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,528 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 174 |
| Assets per employee ($millions) | 4.3615% | 3,397 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 3,481 |
| Loan loss allowance to noncurrent loans | 108.9866% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.5423% | 763 |
| Noncurrent loans to loans | 0.9518% | 1,756 |
| Net loans and leases to total assets | 83.1176% | 455 |
| Net loans and leases to deposits | 108.8801% | 250 |
| Net loans and leases to core deposits | 143.9905% | 158 |
| Total domestic deposits to total assets | 76.3386% | 4,723 |
| Equity capital to assets | 10.1264% | 3,697 |
| Core capital (leverage) ratio | 10.0077% | 3,600 |
| Tier 1 risk-based capital ratio | 14.3643% | 3,162 |
| Total risk-based capital ratio | 15.6129% | 3,093 |
| Memoranda: | ||
| Average total assets | $65,322,500 | 4,648 |
| Average earning assets | $59,958,500 | 4,650 |
| Average equity | $6,625,000 | 4,802 |
| Average total loans | $55,404,000 | 4,179 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6142% | 329 |
| Cost of funding earning assets | 1.5853% | 62 |
| Net interest margin | 4.0289% | 1,894 |
| Noninterest income to average assets | 0.0275% | 5,308 |
| Noninterest expense to average assets | 3.7123% | 759 |
| Loan and lease loss provision to assets | -0.0260% | 5,143 |
| Net operating income to assets | 0.0872% | 5,191 |
| Return on assets (ROA) | 0.0872% | 5,182 |
| Pretax return on assets | 0.0887% | 5,184 |
| Return on Equity (ROE) | 0.8653% | 5,175 |
| Retained earnings to average equity (ytd only) | 0.8653% | 4,753 |
| Net charge-offs to loans | 0.0581% | 2,307 |
| Credit loss provision to net charge-offs | -53.1250% | 4,337 |
| Earnings coverage of net charge-offs (x) | 1.2813% | 3,641 |
| Efficiency ratio | 98.3387% | 168 |
| Assets per employee ($millions) | 4.3483% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 3,556 |
| Loan loss allowance to noncurrent loans | 172.7273% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 1.2511% | 1,027 |
| Noncurrent loans to loans | 0.5909% | 2,516 |
| Net loans and leases to total assets | 84.7510% | 342 |
| Net loans and leases to deposits | 111.1138% | 224 |
| Net loans and leases to core deposits | 145.5527% | 161 |
| Total domestic deposits to total assets | 76.2741% | 4,722 |
| Equity capital to assets | 10.1542% | 3,522 |
| Core capital (leverage) ratio | 9.7906% | 3,811 |
| Tier 1 risk-based capital ratio | 13.8063% | 3,381 |
| Total risk-based capital ratio | 15.0262% | 3,331 |
| Memoranda: | ||
| Average total assets | $65,377,600 | 4,670 |
| Average earning assets | $60,810,000 | 4,653 |
| Average equity | $6,587,400 | 4,815 |
| Average total loans | $55,123,000 | 4,207 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5275% | 340 |
| Cost of funding earning assets | 1.5019% | 66 |
| Net interest margin | 4.0255% | 1,873 |
| Noninterest income to average assets | -0.2506% | 5,458 |
| Noninterest expense to average assets | 3.6890% | 768 |
| Loan and lease loss provision to assets | -0.3646% | 5,442 |
| Net operating income to assets | 0.1548% | 5,228 |
| Return on assets (ROA) | 0.1548% | 5,220 |
| Pretax return on assets | 0.1813% | 5,210 |
| Return on Equity (ROE) | 1.5325% | 5,182 |
| Retained earnings to average equity (ytd only) | 1.5325% | 4,713 |
| Net charge-offs to loans | 0.0777% | 1,746 |
| Credit loss provision to net charge-offs | -559.3750% | 4,518 |
| Earnings coverage of net charge-offs (x) | -2.8123% | 3,447 |
| Efficiency ratio | 105.2295% | 105 |
| Assets per employee ($millions) | 3.9456% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7167% | 4,844 |
| Loan loss allowance to noncurrent loans | 58.7050% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.3537% | 993 |
| Noncurrent loans to loans | 1.2209% | 1,382 |
| Net loans and leases to total assets | 84.2596% | 429 |
| Net loans and leases to deposits | 109.5692% | 302 |
| Net loans and leases to core deposits | 160.9741% | 87 |
| Total domestic deposits to total assets | 76.9008% | 4,657 |
| Equity capital to assets | 9.9022% | 3,734 |
| Core capital (leverage) ratio | 9.8194% | 3,830 |
| Tier 1 risk-based capital ratio | 13.8660% | 3,434 |
| Total risk-based capital ratio | 14.7404% | 3,546 |
| Memoranda: | ||
| Average total assets | $65,454,750 | 4,714 |
| Average earning assets | $61,075,500 | 4,698 |
| Average equity | $6,612,000 | 4,858 |
| Average total loans | $54,941,750 | 4,252 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4497% | 351 |
| Cost of funding earning assets | 1.4390% | 64 |
| Net interest margin | 4.0107% | 1,824 |
| Noninterest income to average assets | -0.5084% | 5,529 |
| Noninterest expense to average assets | 3.6448% | 826 |
| Loan and lease loss provision to assets | -0.5669% | 5,518 |
| Net operating income to assets | 0.0955% | 5,294 |
| Return on assets (ROA) | 0.0955% | 5,288 |
| Pretax return on assets | 0.1664% | 5,259 |
| Return on Equity (ROE) | 0.9391% | 5,277 |
| Retained earnings to average equity (ytd only) | 0.9391% | 4,773 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3457% | 84 |
| Assets per employee ($millions) | 3.8391% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 4,757 |
| Loan loss allowance to noncurrent loans | 45.4545% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.7927% | 652 |
| Noncurrent loans to loans | 1.7128% | 930 |
| Net loans and leases to total assets | 84.9427% | 363 |
| Net loans and leases to deposits | 109.0979% | 309 |
| Net loans and leases to core deposits | 157.5765% | 88 |
| Total domestic deposits to total assets | 77.8592% | 4,612 |
| Equity capital to assets | 10.1082% | 3,535 |
| Core capital (leverage) ratio | 9.6406% | 3,956 |
| Tier 1 risk-based capital ratio | 13.8589% | 3,433 |
| Total risk-based capital ratio | 14.7972% | 3,496 |
| Memoranda: | ||
| Average total assets | $64,914,330 | 4,774 |
| Average earning assets | $60,737,330 | 4,757 |
| Average equity | $6,602,000 | 4,908 |
| Average total loans | $54,280,330 | 4,296 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4272% | 317 |
| Cost of funding earning assets | 1.2758% | 91 |
| Net interest margin | 4.1514% | 1,295 |
| Noninterest income to average assets | 0.1668% | 5,024 |
| Noninterest expense to average assets | 3.5712% | 902 |
| Loan and lease loss provision to assets | 0.0062% | 3,427 |
| Net operating income to assets | 0.3769% | 4,972 |
| Return on assets (ROA) | 0.3769% | 4,977 |
| Pretax return on assets | 0.4696% | 4,923 |
| Return on Equity (ROE) | 3.6945% | 4,848 |
| Retained earnings to average equity (ytd only) | 3.6945% | 3,718 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2443% | 523 |
| Assets per employee ($millions) | 4.9831% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 3,135 |
| Loan loss allowance to noncurrent loans | 77.7917% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.8964% | 624 |
| Noncurrent loans to loans | 1.4667% | 1,210 |
| Net loans and leases to total assets | 77.0050% | 1,391 |
| Net loans and leases to deposits | 103.7486% | 492 |
| Net loans and leases to core deposits | 154.7576% | 101 |
| Total domestic deposits to total assets | 74.2227% | 5,130 |
| Equity capital to assets | 9.5108% | 4,081 |
| Core capital (leverage) ratio | 10.1318% | 3,380 |
| Tier 1 risk-based capital ratio | 13.6445% | 3,575 |
| Total risk-based capital ratio | 14.8943% | 3,483 |
| Memoranda: | ||
| Average total assets | $64,739,500 | 4,835 |
| Average earning assets | $60,510,000 | 4,813 |
| Average equity | $6,604,500 | 4,958 |
| Average total loans | $53,484,500 | 4,365 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5525% | 248 |
| Cost of funding earning assets | 0.9633% | 266 |
| Net interest margin | 4.5892% | 512 |
| Noninterest income to average assets | 0.1736% | 5,089 |
| Noninterest expense to average assets | 3.5360% | 975 |
| Loan and lease loss provision to assets | 0.0178% | 3,943 |
| Net operating income to assets | 0.5255% | 4,309 |
| Return on assets (ROA) | 0.5255% | 4,342 |
| Pretax return on assets | 0.8775% | 3,983 |
| Return on Equity (ROE) | 4.8599% | 4,217 |
| Retained earnings to average equity (ytd only) | -0.9450% | 5,179 |
| Net charge-offs to loans | 0.1767% | 1,410 |
| Credit loss provision to net charge-offs | 11.4583% | 3,657 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 3,275 |
| Efficiency ratio | 79.7950% | 1,126 |
| Assets per employee ($millions) | 3.9811% | 3,993 |
| Cash dividends to net income (ytd only)* | 119.4444% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 2,917 |
| Loan loss allowance to noncurrent loans | 102.3140% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.9375% | 600 |
| Noncurrent loans to loans | 1.1496% | 1,545 |
| Net loans and leases to total assets | 87.0939% | 183 |
| Net loans and leases to deposits | 113.5568% | 187 |
| Net loans and leases to core deposits | 185.8062% | 49 |
| Total domestic deposits to total assets | 76.6964% | 4,896 |
| Equity capital to assets | 11.0088% | 2,615 |
| Core capital (leverage) ratio | 10.5808% | 2,759 |
| Tier 1 risk-based capital ratio | 15.4470% | 2,643 |
| Total risk-based capital ratio | 16.6992% | 2,581 |
| Memoranda: | ||
| Average total assets | $61,651,400 | 4,930 |
| Average earning assets | $57,199,400 | 4,928 |
| Average equity | $6,666,800 | 4,996 |
| Average total loans | $54,343,200 | 4,352 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5767% | 234 |
| Cost of funding earning assets | 0.9187% | 315 |
| Net interest margin | 4.6581% | 444 |
| Noninterest income to average assets | 0.3884% | 3,765 |
| Noninterest expense to average assets | 3.3586% | 1,228 |
| Loan and lease loss provision to assets | 0.0429% | 3,243 |
| Net operating income to assets | 0.9121% | 2,964 |
| Return on assets (ROA) | 0.9121% | 3,023 |
| Pretax return on assets | 1.3070% | 2,448 |
| Return on Equity (ROE) | 8.4704% | 2,897 |
| Retained earnings to average equity (ytd only) | 0.7574% | 5,045 |
| Net charge-offs to loans | 0.2556% | 849 |
| Credit loss provision to net charge-offs | 19.0476% | 3,165 |
| Earnings coverage of net charge-offs (x) | 5.9904% | 3,036 |
| Efficiency ratio | 71.3309% | 2,318 |
| Assets per employee ($millions) | 4.0442% | 3,912 |
| Cash dividends to net income (ytd only)* | 91.0597% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 3,155 |
| Loan loss allowance to noncurrent loans | 257.9167% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 1.6270% | 903 |
| Noncurrent loans to loans | 0.4491% | 3,355 |
| Net loans and leases to total assets | 87.0712% | 200 |
| Net loans and leases to deposits | 118.6060% | 120 |
| Net loans and leases to core deposits | 198.4521% | 42 |
| Total domestic deposits to total assets | 73.4121% | 5,284 |
| Equity capital to assets | 11.0677% | 2,799 |
| Core capital (leverage) ratio | 10.5704% | 2,908 |
| Tier 1 risk-based capital ratio | 14.7018% | 3,065 |
| Total risk-based capital ratio | 15.9541% | 2,993 |
| Memoranda: | ||
| Average total assets | $62,127,000 | 4,978 |
| Average earning assets | $57,619,000 | 4,971 |
| Average equity | $6,689,750 | 5,052 |
| Average total loans | $54,772,000 | 4,368 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5083% | 245 |
| Cost of funding earning assets | 0.8681% | 370 |
| Net interest margin | 4.6402% | 440 |
| Noninterest income to average assets | 0.3194% | 4,269 |
| Noninterest expense to average assets | 3.3698% | 1,229 |
| Loan and lease loss provision to assets | 0.0639% | 2,690 |
| Net operating income to assets | 0.8656% | 3,097 |
| Return on assets (ROA) | 0.8656% | 3,151 |
| Pretax return on assets | 1.1882% | 2,810 |
| Return on Equity (ROE) | 8.1117% | 2,960 |
| Retained earnings to average equity (ytd only) | -3.4722% | 5,465 |
| Net charge-offs to loans | 0.3803% | 543 |
| Credit loss provision to net charge-offs | 19.0476% | 2,792 |
| Earnings coverage of net charge-offs (x) | 3.7333% | 3,008 |
| Efficiency ratio | 72.9095% | 2,199 |
| Assets per employee ($millions) | 4.1883% | 3,647 |
| Cash dividends to net income (ytd only)* | 142.8044% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 3,435 |
| Loan loss allowance to noncurrent loans | 200.9740% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 1.5583% | 962 |
| Noncurrent loans to loans | 0.5606% | 3,055 |
| Net loans and leases to total assets | 86.4672% | 241 |
| Net loans and leases to deposits | 120.9543% | 89 |
| Net loans and leases to core deposits | 202.1471% | 41 |
| Total domestic deposits to total assets | 71.4875% | 5,483 |
| Equity capital to assets | 10.4417% | 3,414 |
| Core capital (leverage) ratio | 10.1580% | 3,326 |
| Tier 1 risk-based capital ratio | 14.1073% | 3,370 |
| Total risk-based capital ratio | 15.3582% | 3,280 |
| Memoranda: | ||
| Average total assets | $62,615,000 | 5,003 |
| Average earning assets | $58,057,330 | 4,999 |
| Average equity | $6,681,670 | 5,081 |
| Average total loans | $55,216,330 | 4,382 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4878% | 234 |
| Cost of funding earning assets | 0.8225% | 435 |
| Net interest margin | 4.6653% | 395 |
| Noninterest income to average assets | 0.3647% | 3,925 |
| Noninterest expense to average assets | 3.3979% | 1,209 |
| Loan and lease loss provision to assets | 0.1280% | 1,506 |
| Net operating income to assets | 0.9406% | 2,559 |
| Return on assets (ROA) | 0.9406% | 2,619 |
| Pretax return on assets | 1.1582% | 2,750 |
| Return on Equity (ROE) | 8.7208% | 2,557 |
| Retained earnings to average equity (ytd only) | 8.7208% | 1,178 |
| Net charge-offs to loans | 0.3396% | 542 |
| Credit loss provision to net charge-offs | 42.5532% | 2,051 |
| Earnings coverage of net charge-offs (x) | 4.2766% | 2,402 |
| Efficiency ratio | 72.5410% | 2,478 |
| Assets per employee ($millions) | 4.4730% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,977 |
| Loan loss allowance to noncurrent loans | 106.4465% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 2.2963% | 532 |
| Noncurrent loans to loans | 1.1501% | 1,771 |
| Net loans and leases to total assets | 87.2265% | 145 |
| Net loans and leases to deposits | 121.4033% | 80 |
| Net loans and leases to core deposits | 202.5099% | 41 |
| Total domestic deposits to total assets | 71.8486% | 5,546 |
| Equity capital to assets | 10.8923% | 2,750 |
| Core capital (leverage) ratio | 10.6056% | 2,784 |
| Tier 1 risk-based capital ratio | 14.1333% | 3,396 |
| Total risk-based capital ratio | 15.3863% | 3,317 |
| Memoranda: | ||
| Average total assets | $62,510,000 | 5,061 |
| Average earning assets | $57,874,000 | 5,052 |
| Average equity | $6,742,500 | 5,115 |
| Average total loans | $55,353,500 | 4,413 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5157% | 246 |
| Cost of funding earning assets | 0.7446% | 651 |
| Net interest margin | 4.7711% | 371 |
| Noninterest income to average assets | -0.0564% | 5,883 |
| Noninterest expense to average assets | 3.8694% | 717 |
| Loan and lease loss provision to assets | 0.0870% | 2,624 |
| Net operating income to assets | 0.3383% | 5,115 |
| Return on assets (ROA) | 0.3383% | 5,192 |
| Pretax return on assets | 0.4156% | 5,194 |
| Return on Equity (ROE) | 3.1448% | 5,121 |
| Retained earnings to average equity (ytd only) | -2.5758% | 5,564 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5041% | 640 |
| Assets per employee ($millions) | 4.1599% | 3,687 |
| Cash dividends to net income (ytd only)* | 181.9048% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,702 |
| Loan loss allowance to noncurrent loans | 85.6448% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 2.7180% | 419 |
| Noncurrent loans to loans | 1.4836% | 1,362 |
| Net loans and leases to total assets | 87.6679% | 142 |
| Net loans and leases to deposits | 121.0324% | 83 |
| Net loans and leases to core deposits | 201.1953% | 37 |
| Total domestic deposits to total assets | 72.4334% | 5,527 |
| Equity capital to assets | 10.6798% | 2,950 |
| Core capital (leverage) ratio | 10.3351% | 3,065 |
| Tier 1 risk-based capital ratio | 14.3101% | 3,275 |
| Total risk-based capital ratio | 15.5652% | 3,202 |
| Memoranda: | ||
| Average total assets | $62,077,200 | 5,087 |
| Average earning assets | $57,617,400 | 5,088 |
| Average equity | $6,677,600 | 5,153 |
| Average total loans | $54,406,800 | 4,444 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4670% | 261 |
| Cost of funding earning assets | 0.7291% | 701 |
| Net interest margin | 4.7380% | 402 |
| Noninterest income to average assets | 0.0323% | 5,875 |
| Noninterest expense to average assets | 3.5828% | 1,018 |
| Loan and lease loss provision to assets | -0.1462% | 5,836 |
| Net operating income to assets | 0.6452% | 4,103 |
| Return on assets (ROA) | 0.6452% | 4,226 |
| Pretax return on assets | 0.9978% | 3,644 |
| Return on Equity (ROE) | 5.9838% | 4,071 |
| Retained earnings to average equity (ytd only) | -1.6356% | 5,570 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7953% | 1,323 |
| Assets per employee ($millions) | 4.1672% | 3,662 |
| Cash dividends to net income (ytd only)* | 127.3332% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 4,064 |
| Loan loss allowance to noncurrent loans | 141.2621% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 2.1773% | 681 |
| Noncurrent loans to loans | 0.7511% | 2,793 |
| Net loans and leases to total assets | 86.8209% | 197 |
| Net loans and leases to deposits | 118.7060% | 126 |
| Net loans and leases to core deposits | 195.1948% | 47 |
| Total domestic deposits to total assets | 73.1394% | 5,511 |
| Equity capital to assets | 10.7778% | 3,269 |
| Core capital (leverage) ratio | 10.1925% | 3,338 |
| Tier 1 risk-based capital ratio | 14.3623% | 3,355 |
| Total risk-based capital ratio | 15.6164% | 3,288 |
| Memoranda: | ||
| Average total assets | $61,999,250 | 5,141 |
| Average earning assets | $57,604,250 | 5,129 |
| Average equity | $6,684,500 | 5,206 |
| Average total loans | $54,156,750 | 4,489 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5184% | 249 |
| Cost of funding earning assets | 0.7193% | 725 |
| Net interest margin | 4.7990% | 369 |
| Noninterest income to average assets | -0.1294% | 6,035 |
| Noninterest expense to average assets | 3.5743% | 1,043 |
| Loan and lease loss provision to assets | -0.2685% | 5,969 |
| Net operating income to assets | 0.6728% | 3,947 |
| Return on assets (ROA) | 0.6728% | 4,080 |
| Pretax return on assets | 1.0319% | 3,473 |
| Return on Equity (ROE) | 6.2397% | 3,941 |
| Retained earnings to average equity (ytd only) | -5.2197% | 5,753 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4012% | 1,223 |
| Assets per employee ($millions) | 4.4600% | 3,104 |
| Cash dividends to net income (ytd only)* | 183.6538% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 4,326 |
| Loan loss allowance to noncurrent loans | 171.8182% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 1.9283% | 865 |
| Noncurrent loans to loans | 0.6021% | 3,260 |
| Net loans and leases to total assets | 86.8738% | 198 |
| Net loans and leases to deposits | 117.3198% | 133 |
| Net loans and leases to core deposits | 191.4449% | 50 |
| Total domestic deposits to total assets | 74.0487% | 5,513 |
| Equity capital to assets | 10.6454% | 3,478 |
| Core capital (leverage) ratio | 10.2776% | 3,234 |
| Tier 1 risk-based capital ratio | 14.6644% | 3,224 |
| Total risk-based capital ratio | 15.9190% | 3,164 |
| Memoranda: | ||
| Average total assets | $61,829,670 | 5,205 |
| Average earning assets | $57,553,330 | 5,183 |
| Average equity | $6,667,000 | 5,255 |
| Average total loans | $53,925,000 | 4,532 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3672% | 306 |
| Cost of funding earning assets | 0.6970% | 818 |
| Net interest margin | 4.6701% | 442 |
| Noninterest income to average assets | -0.2536% | 6,112 |
| Noninterest expense to average assets | 3.6993% | 896 |
| Loan and lease loss provision to assets | -0.5396% | 6,088 |
| Net operating income to assets | 0.6111% | 4,126 |
| Return on assets (ROA) | 0.6111% | 4,247 |
| Pretax return on assets | 0.9427% | 3,684 |
| Return on Equity (ROE) | 5.6313% | 4,159 |
| Retained earnings to average equity (ytd only) | -17.2533% | 5,934 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1743% | 665 |
| Assets per employee ($millions) | 4.7865% | 2,616 |
| Cash dividends to net income (ytd only)* | 406.3830% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 4,332 |
| Loan loss allowance to noncurrent loans | 57.2149% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 2.6501% | 538 |
| Noncurrent loans to loans | 1.8366% | 1,207 |
| Net loans and leases to total assets | 85.8061% | 228 |
| Net loans and leases to deposits | 112.0974% | 182 |
| Net loans and leases to core deposits | 179.5232% | 51 |
| Total domestic deposits to total assets | 76.5460% | 5,356 |
| Equity capital to assets | 10.4992% | 3,499 |
| Core capital (leverage) ratio | 10.2653% | 3,242 |
| Tier 1 risk-based capital ratio | 14.5688% | 3,359 |
| Total risk-based capital ratio | 15.8216% | 3,294 |
| Memoranda: | ||
| Average total assets | $61,524,500 | 5,255 |
| Average earning assets | $57,386,000 | 5,231 |
| Average equity | $6,677,000 | 5,288 |
| Average total loans | $53,482,000 | 4,572 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6257% | 224 |
| Cost of funding earning assets | 0.6173% | 1,260 |
| Net interest margin | 5.0084% | 250 |
| Noninterest income to average assets | 0.1469% | 5,676 |
| Noninterest expense to average assets | 3.4383% | 1,415 |
| Loan and lease loss provision to assets | -0.1169% | 5,879 |
| Net operating income to assets | 0.9067% | 2,828 |
| Return on assets (ROA) | 0.9067% | 2,913 |
| Pretax return on assets | 1.4996% | 1,559 |
| Return on Equity (ROE) | 8.1554% | 2,869 |
| Retained earnings to average equity (ytd only) | 3.8449% | 3,302 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3197% | 3,013 |
| Assets per employee ($millions) | 3.8016% | 4,289 |
| Cash dividends to net income (ytd only)* | 52.8545% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 3,311 |
| Loan loss allowance to noncurrent loans | 75.9346% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 2.0830% | 827 |
| Noncurrent loans to loans | 1.6149% | 1,420 |
| Net loans and leases to total assets | 86.0748% | 227 |
| Net loans and leases to deposits | 113.0289% | 181 |
| Net loans and leases to core deposits | 186.6355% | 50 |
| Total domestic deposits to total assets | 76.1529% | 5,426 |
| Equity capital to assets | 11.2141% | 2,626 |
| Core capital (leverage) ratio | 10.9018% | 2,490 |
| Tier 1 risk-based capital ratio | 15.4216% | 2,975 |
| Total risk-based capital ratio | 16.6793% | 2,907 |
| Memoranda: | ||
| Average total assets | $59,884,600 | 5,323 |
| Average earning assets | $55,886,400 | 5,297 |
| Average equity | $6,658,200 | 5,310 |
| Average total loans | $52,705,400 | 4,590 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6240% | 217 |
| Cost of funding earning assets | 0.6084% | 1,355 |
| Net interest margin | 5.0156% | 243 |
| Noninterest income to average assets | 0.2817% | 4,930 |
| Noninterest expense to average assets | 3.5014% | 1,286 |
| Loan and lease loss provision to assets | 0.1923% | 1,052 |
| Net operating income to assets | 0.8139% | 3,366 |
| Return on assets (ROA) | 0.8139% | 3,455 |
| Pretax return on assets | 1.2700% | 2,510 |
| Return on Equity (ROE) | 7.3353% | 3,445 |
| Retained earnings to average equity (ytd only) | 1.5516% | 5,089 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5405% | 3,126 |
| Assets per employee ($millions) | 3.8242% | 4,216 |
| Cash dividends to net income (ytd only)* | 78.8469% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 2,117 |
| Loan loss allowance to noncurrent loans | 91.3832% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 2.2014% | 868 |
| Noncurrent loans to loans | 1.6524% | 1,486 |
| Net loans and leases to total assets | 85.9169% | 234 |
| Net loans and leases to deposits | 112.0060% | 209 |
| Net loans and leases to core deposits | 207.6798% | 41 |
| Total domestic deposits to total assets | 76.7075% | 5,392 |
| Equity capital to assets | 10.8765% | 3,158 |
| Core capital (leverage) ratio | 10.8166% | 2,695 |
| Tier 1 risk-based capital ratio | 15.9763% | 2,808 |
| Total risk-based capital ratio | 17.2387% | 2,746 |
| Memoranda: | ||
| Average total assets | $59,632,000 | 5,397 |
| Average earning assets | $55,664,500 | 5,369 |
| Average equity | $6,616,250 | 5,385 |
| Average total loans | $52,630,500 | 4,643 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5770% | 238 |
| Cost of funding earning assets | 0.6048% | 1,375 |
| Net interest margin | 4.9723% | 262 |
| Noninterest income to average assets | 0.2301% | 5,315 |
| Noninterest expense to average assets | 3.4882% | 1,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8864% | 2,957 |
| Return on assets (ROA) | 0.8864% | 3,071 |
| Pretax return on assets | 1.3872% | 2,037 |
| Return on Equity (ROE) | 7.9354% | 3,096 |
| Retained earnings to average equity (ytd only) | -0.7572% | 5,653 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5475% | 3,063 |
| Assets per employee ($millions) | 3.9255% | 4,028 |
| Cash dividends to net income (ytd only)* | 109.5420% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 2,897 |
| Loan loss allowance to noncurrent loans | 49.6552% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 3.2913% | 463 |
| Noncurrent loans to loans | 2.7570% | 766 |
| Net loans and leases to total assets | 88.0950% | 134 |
| Net loans and leases to deposits | 109.5569% | 268 |
| Net loans and leases to core deposits | 176.2949% | 59 |
| Total domestic deposits to total assets | 80.4103% | 4,774 |
| Equity capital to assets | 11.1272% | 2,748 |
| Core capital (leverage) ratio | 10.7758% | 2,648 |
| Tier 1 risk-based capital ratio | 15.1675% | 3,265 |
| Total risk-based capital ratio | 16.4267% | 3,194 |
| Memoranda: | ||
| Average total assets | $59,113,670 | 5,465 |
| Average earning assets | $55,226,330 | 5,434 |
| Average equity | $6,603,330 | 5,430 |
| Average total loans | $52,382,000 | 4,693 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6766% | 198 |
| Cost of funding earning assets | 0.6139% | 1,340 |
| Net interest margin | 5.0627% | 223 |
| Noninterest income to average assets | 0.2161% | 5,406 |
| Noninterest expense to average assets | 3.6266% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8509% | 3,005 |
| Return on assets (ROA) | 0.8509% | 3,120 |
| Pretax return on assets | 1.3237% | 2,185 |
| Return on Equity (ROE) | 7.6030% | 3,164 |
| Retained earnings to average equity (ytd only) | 7.6030% | 1,721 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2606% | 2,950 |
| Assets per employee ($millions) | 3.9071% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 2,997 |
| Loan loss allowance to noncurrent loans | 155.8442% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 1.5169% | 1,718 |
| Noncurrent loans to loans | 0.8880% | 3,023 |
| Net loans and leases to total assets | 87.5459% | 124 |
| Net loans and leases to deposits | 111.1453% | 200 |
| Net loans and leases to core deposits | 180.8148% | 54 |
| Total domestic deposits to total assets | 78.7670% | 5,301 |
| Equity capital to assets | 11.4355% | 2,528 |
| Core capital (leverage) ratio | 11.4794% | 2,013 |
| Tier 1 risk-based capital ratio | 16.9568% | 2,490 |
| Total risk-based capital ratio | 18.2117% | 2,446 |
| Memoranda: | ||
| Average total assets | $59,229,000 | 5,519 |
| Average earning assets | $55,385,000 | 5,480 |
| Average equity | $6,629,000 | 5,476 |
| Average total loans | $52,276,500 | 4,726 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5895% | 276 |
| Cost of funding earning assets | 0.6480% | 1,420 |
| Net interest margin | 4.9415% | 333 |
| Noninterest income to average assets | 0.0370% | 6,321 |
| Noninterest expense to average assets | 3.3594% | 1,783 |
| Loan and lease loss provision to assets | 0.6175% | 222 |
| Net operating income to assets | 0.4406% | 5,061 |
| Return on assets (ROA) | 0.4406% | 5,151 |
| Pretax return on assets | 0.7204% | 4,555 |
| Return on Equity (ROE) | 4.2301% | 5,009 |
| Retained earnings to average equity (ytd only) | -2.0379% | 6,018 |
| Net charge-offs to loans | 0.4309% | 983 |
| Credit loss provision to net charge-offs | 167.6856% | 1,459 |
| Earnings coverage of net charge-offs (x) | 3.6332% | 3,843 |
| Efficiency ratio | 71.5166% | 3,288 |
| Assets per employee ($millions) | 3.9901% | 3,977 |
| Cash dividends to net income (ytd only)* | 148.1752% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 3,081 |
| Loan loss allowance to noncurrent loans | 211.1437% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 1.3283% | 2,115 |
| Noncurrent loans to loans | 0.6492% | 3,742 |
| Net loans and leases to total assets | 86.5566% | 176 |
| Net loans and leases to deposits | 109.3394% | 259 |
| Net loans and leases to core deposits | 175.0228% | 60 |
| Total domestic deposits to total assets | 79.1633% | 5,216 |
| Equity capital to assets | 10.9539% | 2,945 |
| Core capital (leverage) ratio | 10.9539% | 2,448 |
| Tier 1 risk-based capital ratio | 16.6675% | 2,650 |
| Total risk-based capital ratio | 17.8573% | 2,619 |
| Memoranda: | ||
| Average total assets | $62,183,800 | 5,496 |
| Average earning assets | $58,645,600 | 5,439 |
| Average equity | $6,477,400 | 5,531 |
| Average total loans | $53,147,800 | 4,718 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5077% | 316 |
| Cost of funding earning assets | 0.6387% | 1,536 |
| Net interest margin | 4.8690% | 363 |
| Noninterest income to average assets | -0.0658% | 6,516 |
| Noninterest expense to average assets | 3.2245% | 2,109 |
| Loan and lease loss provision to assets | 0.5396% | 272 |
| Net operating income to assets | 0.4588% | 5,037 |
| Return on assets (ROA) | 0.4588% | 5,115 |
| Pretax return on assets | 0.7690% | 4,468 |
| Return on Equity (ROE) | 4.4596% | 4,983 |
| Retained earnings to average equity (ytd only) | -3.9229% | 6,202 |
| Net charge-offs to loans | 0.5728% | 651 |
| Credit loss provision to net charge-offs | 110.9170% | 2,028 |
| Earnings coverage of net charge-offs (x) | 2.6899% | 3,848 |
| Efficiency ratio | 71.1340% | 3,321 |
| Assets per employee ($millions) | 4.3597% | 3,195 |
| Cash dividends to net income (ytd only)* | 187.9649% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 4,773 |
| Loan loss allowance to noncurrent loans | 102.9668% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.9802% | 3,001 |
| Noncurrent loans to loans | 1.0638% | 2,948 |
| Net loans and leases to total assets | 81.4591% | 563 |
| Net loans and leases to deposits | 106.1366% | 324 |
| Net loans and leases to core deposits | 173.2221% | 57 |
| Total domestic deposits to total assets | 76.7493% | 5,719 |
| Equity capital to assets | 9.8523% | 4,351 |
| Core capital (leverage) ratio | 9.8523% | 3,871 |
| Tier 1 risk-based capital ratio | 15.8679% | 3,117 |
| Total risk-based capital ratio | 17.0697% | 3,090 |
| Memoranda: | ||
| Average total assets | $62,767,000 | 5,543 |
| Average earning assets | $59,285,000 | 5,471 |
| Average equity | $6,457,750 | 5,592 |
| Average total loans | $53,303,500 | 4,760 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5997% | 266 |
| Cost of funding earning assets | 0.6511% | 1,504 |
| Net interest margin | 4.9485% | 315 |
| Noninterest income to average assets | -0.1454% | 6,612 |
| Noninterest expense to average assets | 3.3284% | 1,843 |
| Loan and lease loss provision to assets | 0.1810% | 1,355 |
| Net operating income to assets | 0.6528% | 4,081 |
| Return on assets (ROA) | 0.6528% | 4,182 |
| Pretax return on assets | 1.0115% | 3,436 |
| Return on Equity (ROE) | 6.2513% | 4,024 |
| Retained earnings to average equity (ytd only) | -6.3132% | 6,310 |
| Net charge-offs to loans | 0.2711% | 1,461 |
| Credit loss provision to net charge-offs | 77.7778% | 2,360 |
| Earnings coverage of net charge-offs (x) | 5.1250% | 2,986 |
| Efficiency ratio | 73.6240% | 3,042 |
| Assets per employee ($millions) | 3.9777% | 3,888 |
| Cash dividends to net income (ytd only)* | 200.9901% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 5,247 |
| Loan loss allowance to noncurrent loans | 56.7735% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 1.9389% | 1,664 |
| Noncurrent loans to loans | 1.8038% | 1,893 |
| Net loans and leases to total assets | 83.3713% | 352 |
| Net loans and leases to deposits | 105.1151% | 332 |
| Net loans and leases to core deposits | 167.7787% | 61 |
| Total domestic deposits to total assets | 79.3143% | 5,384 |
| Equity capital to assets | 10.0969% | 3,973 |
| Core capital (leverage) ratio | 10.0969% | 3,476 |
| Tier 1 risk-based capital ratio | 15.9363% | 3,127 |
| Total risk-based capital ratio | 17.1391% | 3,084 |
| Memoranda: | ||
| Average total assets | $61,890,670 | 5,615 |
| Average earning assets | $58,360,670 | 5,551 |
| Average equity | $6,462,670 | 5,609 |
| Average total loans | $53,117,670 | 4,786 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6827% | 232 |
| Cost of funding earning assets | 0.6469% | 1,605 |
| Net interest margin | 5.0359% | 251 |
| Noninterest income to average assets | -0.1639% | 6,676 |
| Noninterest expense to average assets | 3.4877% | 1,510 |
| Loan and lease loss provision to assets | 0.1049% | 2,174 |
| Net operating income to assets | 0.6359% | 4,019 |
| Return on assets (ROA) | 0.6359% | 4,109 |
| Pretax return on assets | 0.9899% | 3,364 |
| Return on Equity (ROE) | 5.9867% | 4,033 |
| Retained earnings to average equity (ytd only) | -19.0711% | 6,519 |
| Net charge-offs to loans | 0.4085% | 887 |
| Credit loss provision to net charge-offs | 29.6296% | 2,401 |
| Earnings coverage of net charge-offs (x) | 3.0926% | 2,737 |
| Efficiency ratio | 76.1087% | 2,783 |
| Assets per employee ($millions) | 3.9604% | 4,026 |
| Cash dividends to net income (ytd only)* | 418.5567% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 5,581 |
| Loan loss allowance to noncurrent loans | 50.8687% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 2.1541% | 1,550 |
| Noncurrent loans to loans | 1.9375% | 1,942 |
| Net loans and leases to total assets | 83.5530% | 260 |
| Net loans and leases to deposits | 105.6344% | 244 |
| Net loans and leases to core deposits | 155.0139% | 83 |
| Total domestic deposits to total assets | 79.0964% | 5,668 |
| Equity capital to assets | 9.9736% | 3,872 |
| Core capital (leverage) ratio | 9.9736% | 3,606 |
| Tier 1 risk-based capital ratio | 15.3797% | 3,511 |
| Total risk-based capital ratio | 16.5795% | 3,490 |
| Memoranda: | ||
| Average total assets | $61,014,500 | 5,683 |
| Average earning assets | $57,507,500 | 5,623 |
| Average equity | $6,481,000 | 5,638 |
| Average total loans | $52,872,000 | 4,828 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0189% | 165 |
| Cost of funding earning assets | 0.6461% | 2,236 |
| Net interest margin | 5.3727% | 166 |
| Noninterest income to average assets | 0.2671% | 5,435 |
| Noninterest expense to average assets | 3.2510% | 2,277 |
| Loan and lease loss provision to assets | 0.2008% | 1,855 |
| Net operating income to assets | 1.1366% | 1,808 |
| Return on assets (ROA) | 1.1366% | 1,870 |
| Pretax return on assets | 1.8385% | 690 |
| Return on Equity (ROE) | 10.3692% | 1,968 |
| Retained earnings to average equity (ytd only) | 10.3692% | 508 |
| Net charge-offs to loans | 0.3010% | 2,185 |
| Credit loss provision to net charge-offs | 76.6667% | 3,126 |
| Earnings coverage of net charge-offs (x) | 7.7867% | 2,786 |
| Efficiency ratio | 61.4521% | 5,297 |
| Assets per employee ($millions) | 4.1901% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 5,239 |
| Loan loss allowance to noncurrent loans | 39.7607% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 2.6559% | 1,263 |
| Noncurrent loans to loans | 2.7185% | 1,336 |
| Net loans and leases to total assets | 88.1439% | 82 |
| Net loans and leases to deposits | 116.1329% | 93 |
| Net loans and leases to core deposits | 185.6358% | 44 |
| Total domestic deposits to total assets | 75.8992% | 6,105 |
| Equity capital to assets | 11.3225% | 2,319 |
| Core capital (leverage) ratio | 11.3225% | 2,099 |
| Tier 1 risk-based capital ratio | 16.9439% | 2,634 |
| Total risk-based capital ratio | 18.1454% | 2,623 |
| Memoranda: | ||
| Average total assets | $57,275,200 | 5,828 |
| Average earning assets | $53,548,400 | 5,784 |
| Average equity | $6,278,200 | 5,746 |
| Average total loans | $49,838,600 | 4,962 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0850% | 149 |
| Cost of funding earning assets | 0.6627% | 2,236 |
| Net interest margin | 5.4223% | 152 |
| Noninterest income to average assets | 0.2506% | 5,641 |
| Noninterest expense to average assets | 3.0986% | 2,653 |
| Loan and lease loss provision to assets | 0.1452% | 2,463 |
| Net operating income to assets | 1.2671% | 1,438 |
| Return on assets (ROA) | 1.2671% | 1,508 |
| Pretax return on assets | 2.0657% | 507 |
| Return on Equity (ROE) | 11.6582% | 1,595 |
| Retained earnings to average equity (ytd only) | 11.6582% | 476 |
| Net charge-offs to loans | 0.1679% | 2,879 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 15.2267% | 1,880 |
| Efficiency ratio | 58.3591% | 5,643 |
| Assets per employee ($millions) | 3.8825% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 5,027 |
| Loan loss allowance to noncurrent loans | 50.4202% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 2.9414% | 1,263 |
| Noncurrent loans to loans | 2.3183% | 1,891 |
| Net loans and leases to total assets | 87.1098% | 108 |
| Net loans and leases to deposits | 113.1757% | 119 |
| Net loans and leases to core deposits | 147.8650% | 99 |
| Total domestic deposits to total assets | 76.9686% | 6,049 |
| Equity capital to assets | 11.1147% | 2,650 |
| Core capital (leverage) ratio | 11.1147% | 2,370 |
| Tier 1 risk-based capital ratio | 16.0211% | 3,179 |
| Total risk-based capital ratio | 17.2735% | 3,136 |
| Memoranda: | ||
| Average total assets | $56,928,500 | 5,905 |
| Average earning assets | $53,113,000 | 5,864 |
| Average equity | $6,187,250 | 5,840 |
| Average total loans | $49,230,250 | 5,036 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1048% | 152 |
| Cost of funding earning assets | 0.6686% | 2,329 |
| Net interest margin | 5.4362% | 149 |
| Noninterest income to average assets | 0.1735% | 6,166 |
| Noninterest expense to average assets | 3.0128% | 2,959 |
| Loan and lease loss provision to assets | 0.1487% | 2,475 |
| Net operating income to assets | 1.3241% | 1,257 |
| Return on assets (ROA) | 1.3241% | 1,343 |
| Pretax return on assets | 2.0782% | 518 |
| Return on Equity (ROE) | 12.2784% | 1,411 |
| Retained earnings to average equity (ytd only) | 12.2784% | 451 |
| Net charge-offs to loans | 0.2555% | 2,188 |
| Credit loss provision to net charge-offs | 67.7419% | 2,877 |
| Earnings coverage of net charge-offs (x) | 10.1452% | 2,184 |
| Efficiency ratio | 57.5000% | 5,797 |
| Assets per employee ($millions) | 3.8928% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 5,190 |
| Loan loss allowance to noncurrent loans | 54.0541% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 3.1768% | 1,253 |
| Noncurrent loans to loans | 2.1481% | 2,232 |
| Net loans and leases to total assets | 84.5493% | 205 |
| Net loans and leases to deposits | 101.6095% | 348 |
| Net loans and leases to core deposits | 149.5109% | 98 |
| Total domestic deposits to total assets | 83.2100% | 4,622 |
| Equity capital to assets | 10.7909% | 2,952 |
| Core capital (leverage) ratio | 10.7909% | 2,573 |
| Tier 1 risk-based capital ratio | 15.4972% | 3,483 |
| Total risk-based capital ratio | 16.7515% | 3,435 |
| Memoranda: | ||
| Average total assets | $56,492,000 | 5,957 |
| Average earning assets | $52,646,670 | 5,916 |
| Average equity | $6,092,000 | 5,905 |
| Average total loans | $48,530,000 | 5,084 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0069% | 165 |
| Cost of funding earning assets | 0.6735% | 2,458 |
| Net interest margin | 5.3335% | 161 |
| Noninterest income to average assets | -0.0432% | 6,898 |
| Noninterest expense to average assets | 3.6873% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7994% | 3,173 |
| Return on assets (ROA) | 0.7994% | 3,303 |
| Pretax return on assets | 1.2315% | 2,463 |
| Return on Equity (ROE) | 7.4154% | 3,256 |
| Retained earnings to average equity (ytd only) | 7.4154% | 1,976 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9634% | 3,104 |
| Assets per employee ($millions) | 3.9765% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 5,031 |
| Loan loss allowance to noncurrent loans | 51.9481% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 3.5512% | 1,189 |
| Noncurrent loans to loans | 2.3751% | 2,189 |
| Net loans and leases to total assets | 86.2747% | 115 |
| Net loans and leases to deposits | 105.8722% | 199 |
| Net loans and leases to core deposits | 159.7645% | 74 |
| Total domestic deposits to total assets | 81.4895% | 5,366 |
| Equity capital to assets | 10.8495% | 3,144 |
| Core capital (leverage) ratio | 10.8495% | 2,404 |
| Tier 1 risk-based capital ratio | 16.1549% | 3,179 |
| Total risk-based capital ratio | 17.3879% | 3,147 |
| Memoranda: | ||
| Average total assets | $55,542,000 | 6,032 |
| Average earning assets | $51,673,500 | 6,001 |
| Average equity | $5,987,500 | 5,987 |
| Average total loans | $47,820,000 | 5,135 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2853% | 173 |
| Cost of funding earning assets | 0.7149% | 3,368 |
| Net interest margin | 5.5704% | 153 |
| Noninterest income to average assets | 0.2830% | 5,445 |
| Noninterest expense to average assets | 3.3979% | 2,052 |
| Loan and lease loss provision to assets | 0.4072% | 1,589 |
| Net operating income to assets | 1.0133% | 2,278 |
| Return on assets (ROA) | 1.0133% | 2,494 |
| Pretax return on assets | 1.6706% | 1,209 |
| Return on Equity (ROE) | 9.2012% | 2,533 |
| Retained earnings to average equity (ytd only) | -2.3873% | 6,212 |
| Net charge-offs to loans | 0.4025% | 2,649 |
| Credit loss provision to net charge-offs | 115.5440% | 2,505 |
| Earnings coverage of net charge-offs (x) | 5.8964% | 2,922 |
| Efficiency ratio | 62.0540% | 5,228 |
| Assets per employee ($millions) | 3.6942% | 4,579 |
| Cash dividends to net income (ytd only)* | 125.9459% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 4,752 |
| Loan loss allowance to noncurrent loans | 29.2540% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 4.7263% | 850 |
| Noncurrent loans to loans | 4.3629% | 1,000 |
| Net loans and leases to total assets | 83.7529% | 227 |
| Net loans and leases to deposits | 102.7043% | 306 |
| Net loans and leases to core deposits | 152.4639% | 96 |
| Total domestic deposits to total assets | 81.5477% | 5,245 |
| Equity capital to assets | 10.7105% | 3,271 |
| Core capital (leverage) ratio | 10.7105% | 2,535 |
| Tier 1 risk-based capital ratio | 16.1686% | 3,066 |
| Total risk-based capital ratio | 17.4245% | 3,018 |
| Memoranda: | ||
| Average total assets | $54,769,800 | 6,056 |
| Average earning assets | $51,056,000 | 6,008 |
| Average equity | $6,031,800 | 6,014 |
| Average total loans | $47,952,000 | 5,181 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2471% | 194 |
| Cost of funding earning assets | 0.7154% | 3,632 |
| Net interest margin | 5.5318% | 166 |
| Noninterest income to average assets | 0.4981% | 3,942 |
| Noninterest expense to average assets | 3.2643% | 2,369 |
| Loan and lease loss provision to assets | 0.2271% | 2,793 |
| Net operating income to assets | 1.3575% | 1,313 |
| Return on assets (ROA) | 1.3575% | 1,449 |
| Pretax return on assets | 2.1608% | 516 |
| Return on Equity (ROE) | 12.2409% | 1,554 |
| Retained earnings to average equity (ytd only) | 4.7776% | 3,539 |
| Net charge-offs to loans | 0.5340% | 2,005 |
| Credit loss provision to net charge-offs | 48.1865% | 4,444 |
| Earnings coverage of net charge-offs (x) | 5.0673% | 3,126 |
| Efficiency ratio | 57.7538% | 5,824 |
| Assets per employee ($millions) | 5.0141% | 2,169 |
| Cash dividends to net income (ytd only)* | 60.9718% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 6,185 |
| Loan loss allowance to noncurrent loans | 26.9650% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 4.6342% | 988 |
| Noncurrent loans to loans | 3.6013% | 1,501 |
| Net loans and leases to total assets | 86.8987% | 119 |
| Net loans and leases to deposits | 110.3160% | 157 |
| Net loans and leases to core deposits | 144.8444% | 126 |
| Total domestic deposits to total assets | 78.7726% | 5,924 |
| Equity capital to assets | 11.1903% | 3,046 |
| Core capital (leverage) ratio | 11.1903% | 2,217 |
| Tier 1 risk-based capital ratio | 16.7322% | 2,883 |
| Total risk-based capital ratio | 18.0063% | 2,826 |
| Memoranda: | ||
| Average total assets | $54,609,000 | 6,133 |
| Average earning assets | $50,880,750 | 6,091 |
| Average equity | $6,056,000 | 6,075 |
| Average total loans | $48,187,500 | 5,230 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2409% | 206 |
| Cost of funding earning assets | 0.7402% | 3,686 |
| Net interest margin | 5.5006% | 182 |
| Noninterest income to average assets | 0.4336% | 4,409 |
| Noninterest expense to average assets | 3.2631% | 2,404 |
| Loan and lease loss provision to assets | 0.3417% | 1,926 |
| Net operating income to assets | 1.2273% | 1,615 |
| Return on assets (ROA) | 1.2273% | 1,810 |
| Pretax return on assets | 1.9623% | 738 |
| Return on Equity (ROE) | 11.1013% | 1,957 |
| Retained earnings to average equity (ytd only) | -0.1662% | 6,072 |
| Net charge-offs to loans | 0.8022% | 1,371 |
| Credit loss provision to net charge-offs | 48.1865% | 4,079 |
| Earnings coverage of net charge-offs (x) | 3.2487% | 3,439 |
| Efficiency ratio | 58.6139% | 5,788 |
| Assets per employee ($millions) | 4.1925% | 3,468 |
| Cash dividends to net income (ytd only)* | 101.4970% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 6,198 |
| Loan loss allowance to noncurrent loans | 29.1022% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 4.3521% | 1,145 |
| Noncurrent loans to loans | 3.4031% | 1,702 |
| Net loans and leases to total assets | 86.2115% | 129 |
| Net loans and leases to deposits | 113.2244% | 113 |
| Net loans and leases to core deposits | 171.5417% | 69 |
| Total domestic deposits to total assets | 76.1422% | 6,439 |
| Equity capital to assets | 10.9519% | 3,169 |
| Core capital (leverage) ratio | 10.7160% | 2,581 |
| Tier 1 risk-based capital ratio | 15.3812% | 3,515 |
| Total risk-based capital ratio | 16.6222% | 3,485 |
| Memoranda: | ||
| Average total assets | $54,427,000 | 6,178 |
| Average earning assets | $50,794,000 | 6,124 |
| Average equity | $6,017,330 | 6,112 |
| Average total loans | $48,117,000 | 5,266 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2677% | 214 |
| Cost of funding earning assets | 0.7540% | 3,833 |
| Net interest margin | 5.5137% | 178 |
| Noninterest income to average assets | 0.4339% | 4,423 |
| Noninterest expense to average assets | 3.2580% | 2,419 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4415% | 1,140 |
| Return on assets (ROA) | 1.4415% | 1,274 |
| Pretax return on assets | 2.3387% | 428 |
| Return on Equity (ROE) | 12.9769% | 1,408 |
| Retained earnings to average equity (ytd only) | 12.9769% | 684 |
| Net charge-offs to loans | 0.9908% | 1,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.6500% | 3,120 |
| Efficiency ratio | 58.2129% | 5,884 |
| Assets per employee ($millions) | 4.1253% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 6,493 |
| Loan loss allowance to noncurrent loans | 62.8492% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.8511% | 2,050 |
| Noncurrent loans to loans | 1.4646% | 3,922 |
| Net loans and leases to total assets | 90.3205% | 35 |
| Net loans and leases to deposits | 111.7499% | 116 |
| Net loans and leases to core deposits | 210.0520% | 50 |
| Total domestic deposits to total assets | 80.8238% | 5,651 |
| Equity capital to assets | 11.5050% | 2,438 |
| Core capital (leverage) ratio | 11.2667% | 2,063 |
| Tier 1 risk-based capital ratio | 15.7164% | 3,332 |
| Total risk-based capital ratio | 16.8901% | 3,341 |
| Memoranda: | ||
| Average total assets | $54,389,500 | 6,216 |
| Average earning assets | $50,928,000 | 6,158 |
| Average equity | $6,041,500 | 6,137 |
| Average total loans | $48,447,000 | 5,289 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9654% | 456 |
| Cost of funding earning assets | 0.9933% | 3,428 |
| Net interest margin | 4.9721% | 432 |
| Noninterest income to average assets | 0.5602% | 3,430 |
| Noninterest expense to average assets | 3.1928% | 2,891 |
| Loan and lease loss provision to assets | 0.5280% | 1,982 |
| Net operating income to assets | 0.9020% | 2,592 |
| Return on assets (ROA) | 0.9020% | 2,726 |
| Pretax return on assets | 1.5517% | 1,336 |
| Return on Equity (ROE) | 8.9524% | 2,471 |
| Retained earnings to average equity (ytd only) | 8.7747% | 863 |
| Net charge-offs to loans | 0.1109% | 5,263 |
| Credit loss provision to net charge-offs | 546.2963% | 419 |
| Earnings coverage of net charge-offs (x) | 21.5185% | 1,092 |
| Efficiency ratio | 60.5567% | 5,665 |
| Assets per employee ($millions) | 4.2423% | 3,387 |
| Cash dividends to net income (ytd only)* | 1.9841% | 4,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 5,452 |
| Loan loss allowance to noncurrent loans | 78.0822% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 2.7126% | 2,241 |
| Noncurrent loans to loans | 1.5206% | 3,867 |
| Net loans and leases to total assets | 86.0127% | 127 |
| Net loans and leases to deposits | 108.7832% | 192 |
| Net loans and leases to core deposits | 200.7788% | 61 |
| Total domestic deposits to total assets | 79.0680% | 5,983 |
| Equity capital to assets | 10.7217% | 3,283 |
| Core capital (leverage) ratio | 10.7217% | 2,507 |
| Tier 1 risk-based capital ratio | 16.0920% | 2,996 |
| Total risk-based capital ratio | 17.3466% | 2,955 |
| Memoranda: | ||
| Average total assets | $55,876,000 | 6,166 |
| Average earning assets | $52,955,800 | 6,080 |
| Average equity | $5,629,800 | 6,252 |
| Average total loans | $48,683,800 | 5,313 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0258% | 436 |
| Cost of funding earning assets | 1.0536% | 3,293 |
| Net interest margin | 4.9722% | 438 |
| Noninterest income to average assets | 0.5019% | 3,860 |
| Noninterest expense to average assets | 3.0325% | 3,427 |
| Loan and lease loss provision to assets | 0.3687% | 2,646 |
| Net operating income to assets | 1.0465% | 2,154 |
| Return on assets (ROA) | 1.0465% | 2,305 |
| Pretax return on assets | 1.8148% | 931 |
| Return on Equity (ROE) | 10.5532% | 2,012 |
| Retained earnings to average equity (ytd only) | 10.3134% | 762 |
| Net charge-offs to loans | 0.1474% | 4,594 |
| Credit loss provision to net charge-offs | 287.0370% | 998 |
| Earnings coverage of net charge-offs (x) | 16.9996% | 1,370 |
| Efficiency ratio | 58.1395% | 5,986 |
| Assets per employee ($millions) | 4.4385% | 3,019 |
| Cash dividends to net income (ytd only)* | 2.2722% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 6,660 |
| Loan loss allowance to noncurrent loans | 78.6106% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 2.2028% | 2,889 |
| Noncurrent loans to loans | 1.1189% | 4,676 |
| Net loans and leases to total assets | 83.9827% | 227 |
| Net loans and leases to deposits | 105.4811% | 268 |
| Net loans and leases to core deposits | 186.6929% | 74 |
| Total domestic deposits to total assets | 79.6187% | 5,840 |
| Equity capital to assets | 10.0763% | 4,241 |
| Core capital (leverage) ratio | 10.0763% | 3,339 |
| Tier 1 risk-based capital ratio | 15.2502% | 3,518 |
| Total risk-based capital ratio | 16.3781% | 3,559 |
| Memoranda: | ||
| Average total assets | $56,057,500 | 6,211 |
| Average earning assets | $53,148,000 | 6,120 |
| Average equity | $5,559,000 | 6,314 |
| Average total loans | $48,853,250 | 5,349 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1256% | 368 |
| Cost of funding earning assets | 1.0685% | 3,488 |
| Net interest margin | 5.0571% | 364 |
| Noninterest income to average assets | 0.4972% | 3,881 |
| Noninterest expense to average assets | 3.0121% | 3,592 |
| Loan and lease loss provision to assets | 0.3243% | 2,846 |
| Net operating income to assets | 1.2070% | 1,547 |
| Return on assets (ROA) | 1.2070% | 1,635 |
| Pretax return on assets | 1.9528% | 642 |
| Return on Equity (ROE) | 12.2397% | 1,425 |
| Retained earnings to average equity (ytd only) | 11.8743% | 531 |
| Net charge-offs to loans | 0.2211% | 3,801 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 11.7037% | 1,687 |
| Efficiency ratio | 56.9482% | 6,304 |
| Assets per employee ($millions) | 4.3501% | 3,082 |
| Cash dividends to net income (ytd only)* | 2.9851% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7940% | 6,880 |
| Loan loss allowance to noncurrent loans | 40.8903% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 3.0256% | 2,221 |
| Noncurrent loans to loans | 1.9418% | 3,551 |
| Net loans and leases to total assets | 87.2699% | 101 |
| Net loans and leases to deposits | 109.3576% | 189 |
| Net loans and leases to core deposits | 185.7084% | 82 |
| Total domestic deposits to total assets | 79.8023% | 5,883 |
| Equity capital to assets | 9.9821% | 4,174 |
| Core capital (leverage) ratio | 9.9821% | 3,284 |
| Tier 1 risk-based capital ratio | 14.9098% | 3,540 |
| Total risk-based capital ratio | 15.9531% | 3,638 |
| Memoranda: | ||
| Average total assets | $55,510,000 | 6,275 |
| Average earning assets | $52,599,330 | 6,206 |
| Average equity | $5,474,000 | 6,377 |
| Average total loans | $48,841,670 | 5,401 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2316% | 316 |
| Cost of funding earning assets | 1.0988% | 3,528 |
| Net interest margin | 5.1328% | 287 |
| Noninterest income to average assets | 0.4364% | 4,397 |
| Noninterest expense to average assets | 3.1060% | 3,221 |
| Loan and lease loss provision to assets | 0.4364% | 2,021 |
| Net operating income to assets | 1.0838% | 1,893 |
| Return on assets (ROA) | 1.0838% | 1,942 |
| Pretax return on assets | 1.7531% | 891 |
| Return on Equity (ROE) | 11.0606% | 1,719 |
| Retained earnings to average equity (ytd only) | 10.3183% | 1,044 |
| Net charge-offs to loans | 0.4464% | 2,358 |
| Credit loss provision to net charge-offs | 111.1111% | 2,408 |
| Earnings coverage of net charge-offs (x) | 5.5741% | 2,254 |
| Efficiency ratio | 58.6538% | 6,180 |
| Assets per employee ($millions) | 4.3547% | 3,123 |
| Cash dividends to net income (ytd only)* | 6.7114% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7578% | 6,994 |
| Loan loss allowance to noncurrent loans | 38.5835% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 2.9376% | 2,356 |
| Noncurrent loans to loans | 1.9642% | 3,618 |
| Net loans and leases to total assets | 84.4324% | 209 |
| Net loans and leases to deposits | 105.2750% | 273 |
| Net loans and leases to core deposits | 179.1395% | 94 |
| Total domestic deposits to total assets | 80.2017% | 5,889 |
| Equity capital to assets | 9.6412% | 4,263 |
| Core capital (leverage) ratio | 9.6412% | 3,610 |
| Tier 1 risk-based capital ratio | 14.7219% | 3,598 |
| Total risk-based capital ratio | 15.7064% | 3,727 |
| Memoranda: | ||
| Average total assets | $54,989,500 | 6,345 |
| Average earning assets | $52,057,000 | 6,270 |
| Average equity | $5,388,500 | 6,421 |
| Average total loans | $48,389,000 | 5,466 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6475% | 251 |
| Cost of funding earning assets | 1.3010% | 3,875 |
| Net interest margin | 5.3464% | 221 |
| Noninterest income to average assets | -0.0610% | 7,363 |
| Noninterest expense to average assets | 3.9799% | 1,189 |
| Loan and lease loss provision to assets | -0.2496% | 7,629 |
| Net operating income to assets | 0.6973% | 3,235 |
| Return on assets (ROA) | 0.6973% | 3,369 |
| Pretax return on assets | 1.2193% | 2,162 |
| Return on Equity (ROE) | 7.0387% | 3,104 |
| Retained earnings to average equity (ytd only) | 4.5194% | 2,710 |
| Net charge-offs to loans | -0.2820% | 7,566 |
| Credit loss provision to net charge-offs | 97.0370% | 4,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4080% | 2,362 |
| Assets per employee ($millions) | 4.1052% | 3,566 |
| Cash dividends to net income (ytd only)* | 35.7923% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7405% | 7,066 |
| Loan loss allowance to noncurrent loans | 38.3387% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 3.1030% | 2,275 |
| Noncurrent loans to loans | 1.9315% | 3,656 |
| Net loans and leases to total assets | 90.4194% | 53 |
| Net loans and leases to deposits | 113.8304% | 177 |
| Net loans and leases to core deposits | 213.9058% | 73 |
| Total domestic deposits to total assets | 79.4334% | 5,986 |
| Equity capital to assets | 9.9666% | 3,786 |
| Core capital (leverage) ratio | 9.9666% | 3,131 |
| Tier 1 risk-based capital ratio | 14.6054% | 3,477 |
| Total risk-based capital ratio | 15.5939% | 3,601 |
| Memoranda: | ||
| Average total assets | $52,488,800 | 6,445 |
| Average earning assets | $49,191,600 | 6,400 |
| Average equity | $5,199,800 | 6,599 |
| Average total loans | $47,880,600 | 5,566 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5734% | 302 |
| Cost of funding earning assets | 1.3834% | 3,683 |
| Net interest margin | 5.1900% | 303 |
| Noninterest income to average assets | -0.2985% | 7,630 |
| Noninterest expense to average assets | 4.0507% | 987 |
| Loan and lease loss provision to assets | -0.3444% | 7,737 |
| Net operating income to assets | 0.4489% | 4,544 |
| Return on assets (ROA) | 0.4489% | 4,734 |
| Pretax return on assets | 0.8469% | 3,745 |
| Return on Equity (ROE) | 4.5389% | 4,535 |
| Retained earnings to average equity (ytd only) | 4.5389% | 3,317 |
| Net charge-offs to loans | -0.3774% | 7,666 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9636% | 1,371 |
| Assets per employee ($millions) | 3.7706% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6762% | 7,236 |
| Loan loss allowance to noncurrent loans | 63.8996% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.1861% | 3,224 |
| Noncurrent loans to loans | 1.0583% | 5,127 |
| Net loans and leases to total assets | 92.0986% | 25 |
| Net loans and leases to deposits | 109.7994% | 259 |
| Net loans and leases to core deposits | 226.2519% | 68 |
| Total domestic deposits to total assets | 83.8789% | 4,194 |
| Equity capital to assets | 9.9435% | 4,228 |
| Core capital (leverage) ratio | 9.9435% | 3,305 |
| Tier 1 risk-based capital ratio | 14.3380% | 3,605 |
| Total risk-based capital ratio | 15.3104% | 3,763 |
| Memoranda: | ||
| Average total assets | $52,269,000 | 6,525 |
| Average earning assets | $48,862,500 | 6,476 |
| Average equity | $5,170,000 | 6,691 |
| Average total loans | $47,697,000 | 5,656 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5242% | 328 |
| Cost of funding earning assets | 1.4859% | 3,332 |
| Net interest margin | 5.0382% | 390 |
| Noninterest income to average assets | 0.1536% | 6,788 |
| Noninterest expense to average assets | 4.3727% | 665 |
| Loan and lease loss provision to assets | 0.0154% | 6,763 |
| Net operating income to assets | 0.2841% | 5,246 |
| Return on assets (ROA) | 0.2841% | 5,395 |
| Pretax return on assets | 0.4645% | 5,018 |
| Return on Equity (ROE) | 2.8773% | 5,289 |
| Retained earnings to average equity (ytd only) | 2.8773% | 4,309 |
| Net charge-offs to loans | 0.0169% | 6,104 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 31.2500% | 896 |
| Efficiency ratio | 90.1108% | 1,326 |
| Assets per employee ($millions) | 3.6361% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 6,987 |
| Loan loss allowance to noncurrent loans | 28.2641% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 3.8405% | 1,807 |
| Noncurrent loans to loans | 2.9049% | 2,752 |
| Net loans and leases to total assets | 90.4096% | 65 |
| Net loans and leases to deposits | 111.9836% | 233 |
| Net loans and leases to core deposits | 155.6409% | 190 |
| Total domestic deposits to total assets | 80.7347% | 5,497 |
| Equity capital to assets | 10.1130% | 3,875 |
| Core capital (leverage) ratio | 10.1130% | 3,045 |
| Tier 1 risk-based capital ratio | 14.3000% | 3,540 |
| Total risk-based capital ratio | 15.3583% | 3,619 |
| Memoranda: | ||
| Average total assets | $52,096,000 | 6,582 |
| Average earning assets | $48,588,670 | 6,525 |
| Average equity | $5,143,670 | 6,733 |
| Average total loans | $47,280,000 | 5,706 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6120% | 301 |
| Cost of funding earning assets | 1.5491% | 3,275 |
| Net interest margin | 5.0630% | 367 |
| Noninterest income to average assets | 0.3264% | 5,535 |
| Noninterest expense to average assets | 3.7653% | 1,382 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7819% | 3,046 |
| Return on assets (ROA) | 0.7819% | 3,161 |
| Pretax return on assets | 1.2753% | 2,121 |
| Return on Equity (ROE) | 8.0132% | 2,878 |
| Retained earnings to average equity (ytd only) | 8.0132% | 1,703 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6988% | 3,450 |
| Assets per employee ($millions) | 3.0592% | 6,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 7,112 |
| Loan loss allowance to noncurrent loans | 35.3488% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 3.4034% | 2,083 |
| Noncurrent loans to loans | 2.2806% | 3,416 |
| Net loans and leases to total assets | 89.9033% | 69 |
| Net loans and leases to deposits | 110.2606% | 285 |
| Net loans and leases to core deposits | 150.0610% | 242 |
| Total domestic deposits to total assets | 81.5371% | 5,258 |
| Equity capital to assets | 9.9852% | 3,897 |
| Core capital (leverage) ratio | 9.9852% | 3,180 |
| Tier 1 risk-based capital ratio | 14.1634% | 3,554 |
| Total risk-based capital ratio | 15.1998% | 3,652 |
| Memoranda: | ||
| Average total assets | $52,691,500 | 6,643 |
| Average earning assets | $49,062,000 | 6,586 |
| Average equity | $5,141,500 | 6,806 |
| Average total loans | $47,718,000 | 5,775 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0367% | 267 |
| Cost of funding earning assets | 2.7522% | 511 |
| Net interest margin | 4.2845% | 1,765 |
| Noninterest income to average assets | 0.3282% | 5,733 |
| Noninterest expense to average assets | 3.6827% | 1,947 |
| Loan and lease loss provision to assets | 0.2554% | 5,352 |
| Net operating income to assets | 0.2803% | 4,608 |
| Return on assets (ROA) | 0.2803% | 4,700 |
| Pretax return on assets | 0.4027% | 4,491 |
| Return on Equity (ROE) | 3.1358% | 4,447 |
| Retained earnings to average equity (ytd only) | 3.1358% | 2,963 |
| Net charge-offs to loans | -0.0797% | 7,873 |
| Credit loss provision to net charge-offs | -360.0000% | 7,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8386% | 2,254 |
| Assets per employee ($millions) | 2.9653% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 6,729 |
| Loan loss allowance to noncurrent loans | 35.8582% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 3.8276% | 1,739 |
| Noncurrent loans to loans | 2.5694% | 2,989 |
| Net loans and leases to total assets | 89.6564% | 97 |
| Net loans and leases to deposits | 106.9864% | 504 |
| Net loans and leases to core deposits | 151.0908% | 487 |
| Total domestic deposits to total assets | 83.8017% | 4,125 |
| Equity capital to assets | 9.5361% | 4,375 |
| Core capital (leverage) ratio | 9.5361% | 3,673 |
| Tier 1 risk-based capital ratio | 13.6578% | 3,713 |
| Total risk-based capital ratio | 14.8519% | 3,697 |
| Memoranda: | ||
| Average total assets | $56,372,400 | 6,480 |
| Average earning assets | $52,794,600 | 6,421 |
| Average equity | $5,038,600 | 6,926 |
| Average total loans | $50,207,400 | 5,663 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1119% | 256 |
| Cost of funding earning assets | 3.0220% | 310 |
| Net interest margin | 4.0899% | 2,444 |
| Noninterest income to average assets | 0.2964% | 6,103 |
| Noninterest expense to average assets | 3.5596% | 2,125 |
| Loan and lease loss provision to assets | 0.2077% | 5,318 |
| Net operating income to assets | 0.2918% | 4,818 |
| Return on assets (ROA) | 0.2918% | 4,929 |
| Pretax return on assets | 0.3641% | 4,898 |
| Return on Equity (ROE) | 3.3161% | 4,655 |
| Retained earnings to average equity (ytd only) | 3.3161% | 3,453 |
| Net charge-offs to loans | -0.1052% | 7,926 |
| Credit loss provision to net charge-offs | -222.5000% | 7,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1582% | 2,044 |
| Assets per employee ($millions) | 3.1677% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 7,180 |
| Loan loss allowance to noncurrent loans | 39.3145% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 3.1323% | 2,180 |
| Noncurrent loans to loans | 1.9855% | 3,662 |
| Net loans and leases to total assets | 86.9392% | 279 |
| Net loans and leases to deposits | 105.6748% | 666 |
| Net loans and leases to core deposits | 162.9928% | 341 |
| Total domestic deposits to total assets | 82.2705% | 4,558 |
| Equity capital to assets | 8.8691% | 5,678 |
| Core capital (leverage) ratio | 8.8691% | 4,866 |
| Tier 1 risk-based capital ratio | 13.0060% | 4,188 |
| Total risk-based capital ratio | 14.0091% | 4,294 |
| Memoranda: | ||
| Average total assets | $57,121,500 | 6,501 |
| Average earning assets | $53,561,500 | 6,442 |
| Average equity | $5,025,750 | 6,989 |
| Average total loans | $50,684,250 | 5,682 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3813% | 182 |
| Cost of funding earning assets | 3.0914% | 361 |
| Net interest margin | 4.2899% | 1,680 |
| Noninterest income to average assets | 0.3079% | 6,050 |
| Noninterest expense to average assets | 3.4852% | 2,383 |
| Loan and lease loss provision to assets | 0.2764% | 4,366 |
| Net operating income to assets | 0.4794% | 4,179 |
| Return on assets (ROA) | 0.4794% | 4,291 |
| Pretax return on assets | 0.5669% | 4,418 |
| Return on Equity (ROE) | 5.4632% | 3,879 |
| Retained earnings to average equity (ytd only) | 5.4632% | 2,263 |
| Net charge-offs to loans | -0.1571% | 8,008 |
| Credit loss provision to net charge-offs | -197.5000% | 6,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5174% | 2,961 |
| Assets per employee ($millions) | 3.1114% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7833% | 7,208 |
| Loan loss allowance to noncurrent loans | 48.4146% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 2.8426% | 2,253 |
| Noncurrent loans to loans | 1.6178% | 4,069 |
| Net loans and leases to total assets | 89.7920% | 144 |
| Net loans and leases to deposits | 112.9331% | 447 |
| Net loans and leases to core deposits | 183.2453% | 195 |
| Total domestic deposits to total assets | 79.5090% | 5,643 |
| Equity capital to assets | 9.1492% | 5,100 |
| Core capital (leverage) ratio | 9.1492% | 4,386 |
| Tier 1 risk-based capital ratio | 12.9365% | 4,194 |
| Total risk-based capital ratio | 13.9388% | 4,282 |
| Memoranda: | ||
| Average total assets | $57,156,000 | 6,546 |
| Average earning assets | $53,567,670 | 6,488 |
| Average equity | $5,015,330 | 7,055 |
| Average total loans | $50,925,330 | 5,724 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2288% | 243 |
| Cost of funding earning assets | 3.1931% | 354 |
| Net interest margin | 4.0357% | 2,504 |
| Noninterest income to average assets | 0.3672% | 5,491 |
| Noninterest expense to average assets | 3.2080% | 2,955 |
| Loan and lease loss provision to assets | 0.4434% | 2,706 |
| Net operating income to assets | 0.4989% | 4,425 |
| Return on assets (ROA) | 0.4989% | 4,615 |
| Pretax return on assets | 0.4989% | 5,081 |
| Return on Equity (ROE) | 5.8053% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.8053% | 2,726 |
| Net charge-offs to loans | -0.2899% | 8,058 |
| Credit loss provision to net charge-offs | -172.9730% | 6,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2955% | 3,284 |
| Assets per employee ($millions) | 3.2408% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 7,295 |
| Loan loss allowance to noncurrent loans | 36.8069% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 2.7085% | 2,096 |
| Noncurrent loans to loans | 2.0549% | 3,187 |
| Net loans and leases to total assets | 86.5998% | 377 |
| Net loans and leases to deposits | 110.8532% | 574 |
| Net loans and leases to core deposits | 177.6176% | 260 |
| Total domestic deposits to total assets | 78.1212% | 5,971 |
| Equity capital to assets | 8.6723% | 5,807 |
| Core capital (leverage) ratio | 8.6723% | 5,205 |
| Tier 1 risk-based capital ratio | 12.2836% | 4,715 |
| Total risk-based capital ratio | 13.2184% | 4,883 |
| Memoranda: | ||
| Average total assets | $57,731,500 | 6,549 |
| Average earning assets | $54,116,500 | 6,494 |
| Average equity | $4,961,000 | 7,123 |
| Average total loans | $51,045,500 | 5,754 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6183% | 330 |
| Cost of funding earning assets | 3.6666% | 298 |
| Net interest margin | 3.9517% | 3,353 |
| Noninterest income to average assets | 0.5070% | 4,563 |
| Noninterest expense to average assets | 3.5779% | 2,207 |
| Loan and lease loss provision to assets | 0.7382% | 2,010 |
| Net operating income to assets | -0.1129% | 6,515 |
| Return on assets (ROA) | -0.1129% | 6,366 |
| Pretax return on assets | -0.0842% | 6,251 |
| Return on Equity (ROE) | -1.2696% | 6,399 |
| Retained earnings to average equity (ytd only) | -4.4940% | 6,416 |
| Net charge-offs to loans | 0.7527% | 1,647 |
| Credit loss provision to net charge-offs | 107.5718% | 4,986 |
| Earnings coverage of net charge-offs (x) | 0.9530% | 5,656 |
| Efficiency ratio | 84.5470% | 2,006 |
| Assets per employee ($millions) | 3.1738% | 5,554 |
| Cash dividends to net income (ytd only)* | -253.9683% | 8,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5548% | 7,760 |
| Loan loss allowance to noncurrent loans | 59.0437% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 1.6227% | 2,999 |
| Noncurrent loans to loans | 0.9397% | 4,734 |
| Net loans and leases to total assets | 89.1052% | 272 |
| Net loans and leases to deposits | 113.9735% | 613 |
| Net loans and leases to core deposits | 176.5232% | 324 |
| Total domestic deposits to total assets | 78.1806% | 5,650 |
| Equity capital to assets | 8.5125% | 6,064 |
| Core capital (leverage) ratio | 8.5125% | 5,555 |
| Tier 1 risk-based capital ratio | 12.6832% | 4,301 |
| Total risk-based capital ratio | 13.4239% | 4,574 |
| Memoranda: | ||
| Average total assets | $55,815,200 | 6,537 |
| Average earning assets | $52,610,200 | 6,480 |
| Average equity | $4,962,200 | 7,161 |
| Average total loans | $50,884,600 | 5,667 |