Home > Platinum Bank > Performance and Condition Ratios
Platinum 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 | 6.3191% | 423 |
| Cost of funding earning assets | 2.5121% | 352 |
| Net interest margin | 3.8070% | 1,556 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.5651% | 2,107 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.5761% | 898 |
| Return on assets (ROA) | 1.5161% | 954 |
| Pretax return on assets | 1.5161% | 1,380 |
| Return on Equity (ROE) | 18.2300% | 791 |
| Retained earnings to average equity (ytd only) | 9.7460% | 1,074 |
| Net charge-offs to loans | 0.1258% | 784 |
| Credit loss provision to net charge-offs | 194.0631% | 1,244 |
| Earnings coverage of net charge-offs (x) | 16.3655% | 2,010 |
| Efficiency ratio | 58.9243% | 3,197 |
| Assets per employee ($millions) | 7.5106% | 1,724 |
| Cash dividends to net income (ytd only)* | 46.5303% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 2,560 |
| Loan loss allowance to noncurrent loans | 95.6445% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.0530% | 455 |
| Noncurrent loans to loans | 1.1998% | 593 |
| Net loans and leases to total assets | 86.7500% | 128 |
| Net loans and leases to deposits | 109.7518% | 206 |
| Net loans and leases to core deposits | 134.4289% | 344 |
| Total domestic deposits to total assets | 79.0400% | 3,606 |
| Equity capital to assets | 8.1797% | 3,294 |
| Core capital (leverage) ratio | 9.1800% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8094% | 2,301 |
| Memoranda: | ||
| Average total assets | $493,311,400 | 1,742 |
| Average earning assets | $478,437,800 | 1,690 |
| Average equity | $41,032,400 | 1,852 |
| Average total loans | $428,570,800 | 1,401 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2158% | 414 |
| Cost of funding earning assets | 2.3116% | 398 |
| Net interest margin | 3.9043% | 1,390 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.5520% | 2,077 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 1.3694% | 1,384 |
| Return on assets (ROA) | 1.2875% | 1,558 |
| Pretax return on assets | 1.2875% | 2,080 |
| Return on Equity (ROE) | 15.4100% | 1,370 |
| Retained earnings to average equity (ytd only) | 4.9677% | 2,943 |
| Net charge-offs to loans | 0.0802% | 920 |
| Credit loss provision to net charge-offs | 416.7331% | 705 |
| Earnings coverage of net charge-offs (x) | 23.8685% | 1,720 |
| Efficiency ratio | 60.6011% | 2,899 |
| Assets per employee ($millions) | 6.9413% | 1,995 |
| Cash dividends to net income (ytd only)* | 67.7565% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 1,807 |
| Loan loss allowance to noncurrent loans | 91.8028% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.2498% | 346 |
| Noncurrent loans to loans | 1.4297% | 516 |
| Net loans and leases to total assets | 86.2700% | 146 |
| Net loans and leases to deposits | 108.2223% | 239 |
| Net loans and leases to core deposits | 128.6372% | 359 |
| Total domestic deposits to total assets | 79.7100% | 3,568 |
| Equity capital to assets | 8.0121% | 3,052 |
| Core capital (leverage) ratio | 9.4159% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1572% | 2,218 |
| Memoranda: | ||
| Average total assets | $481,447,750 | 1,773 |
| Average earning assets | $466,283,250 | 1,723 |
| Average equity | $40,232,250 | 1,861 |
| Average total loans | $417,071,500 | 1,426 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0856% | 403 |
| Cost of funding earning assets | 2.0952% | 413 |
| Net interest margin | 3.9904% | 1,261 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.5439% | 2,085 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.6081% | 935 |
| Return on assets (ROA) | 1.4836% | 1,132 |
| Pretax return on assets | 1.4836% | 1,633 |
| Return on Equity (ROE) | 17.5000% | 1,020 |
| Retained earnings to average equity (ytd only) | 3.6034% | 3,316 |
| Net charge-offs to loans | 0.1340% | 558 |
| Credit loss provision to net charge-offs | 94.5455% | 1,484 |
| Earnings coverage of net charge-offs (x) | 14.8436% | 1,868 |
| Efficiency ratio | 59.6959% | 2,993 |
| Assets per employee ($millions) | 7.1900% | 1,794 |
| Cash dividends to net income (ytd only)* | 79.4101% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 2,456 |
| Loan loss allowance to noncurrent loans | 403.2760% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 1,912 |
| Noncurrent loans to loans | 0.2969% | 2,076 |
| Net loans and leases to total assets | 85.6200% | 176 |
| Net loans and leases to deposits | 114.8616% | 138 |
| Net loans and leases to core deposits | 136.3569% | 251 |
| Total domestic deposits to total assets | 74.5400% | 4,154 |
| Equity capital to assets | 8.4575% | 2,893 |
| Core capital (leverage) ratio | 9.4753% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4028% | 2,132 |
| Memoranda: | ||
| Average total assets | $475,339,667 | 1,787 |
| Average earning assets | $459,152,000 | 1,738 |
| Average equity | $40,295,667 | 1,872 |
| Average total loans | $410,472,667 | 1,431 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9373% | 337 |
| Cost of funding earning assets | 1.7215% | 544 |
| Net interest margin | 4.2158% | 926 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.5358% | 2,144 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.6807% | 854 |
| Return on assets (ROA) | 1.6807% | 853 |
| Pretax return on assets | 1.6807% | 1,314 |
| Return on Equity (ROE) | 19.8000% | 792 |
| Retained earnings to average equity (ytd only) | 15.3456% | 752 |
| Net charge-offs to loans | -0.0390% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.2840% | 3,273 |
| Assets per employee ($millions) | 7.1954% | 1,824 |
| Cash dividends to net income (ytd only)* | 22.5113% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 2,175 |
| Loan loss allowance to noncurrent loans | 731.4685% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 2,465 |
| Noncurrent loans to loans | 0.1739% | 2,608 |
| Net loans and leases to total assets | 85.4700% | 156 |
| Net loans and leases to deposits | 101.8881% | 363 |
| Net loans and leases to core deposits | 116.4054% | 525 |
| Total domestic deposits to total assets | 83.8900% | 3,112 |
| Equity capital to assets | 8.6934% | 2,745 |
| Core capital (leverage) ratio | 9.6742% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6399% | 2,121 |
| Memoranda: | ||
| Average total assets | $475,741,000 | 1,804 |
| Average earning assets | $459,601,500 | 1,747 |
| Average equity | $40,376,500 | 1,884 |
| Average total loans | $410,100,500 | 1,449 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 665 |
| Cost of funding earning assets | 0.5730% | 1,002 |
| Net interest margin | 3.9759% | 819 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.3447% | 2,601 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | 1.7410% | 497 |
| Return on assets (ROA) | 1.7412% | 474 |
| Pretax return on assets | 1.7412% | 837 |
| Return on Equity (ROE) | 21.5900% | 360 |
| Retained earnings to average equity (ytd only) | 16.7996% | 180 |
| Net charge-offs to loans | 0.2246% | 360 |
| Credit loss provision to net charge-offs | 199.3865% | 1,128 |
| Earnings coverage of net charge-offs (x) | 12.2270% | 2,119 |
| Efficiency ratio | 52.9886% | 3,888 |
| Assets per employee ($millions) | 7.5648% | 1,573 |
| Cash dividends to net income (ytd only)* | 22.1796% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 2,840 |
| Loan loss allowance to noncurrent loans | 6,691.1765% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 3,727 |
| Noncurrent loans to loans | 0.0166% | 3,716 |
| Net loans and leases to total assets | 84.8800% | 211 |
| Net loans and leases to deposits | 103.8995% | 307 |
| Net loans and leases to core deposits | 108.7222% | 650 |
| Total domestic deposits to total assets | 81.6900% | 3,664 |
| Equity capital to assets | 8.2815% | 2,871 |
| Core capital (leverage) ratio | 9.6087% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1580% | 2,304 |
| Memoranda: | ||
| Average total assets | $479,043,600 | 1,774 |
| Average earning assets | $463,170,400 | 1,722 |
| Average equity | $38,637,800 | 1,969 |
| Average total loans | $362,940,600 | 1,505 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 881 |
| Cost of funding earning assets | 0.3555% | 1,658 |
| Net interest margin | 3.8515% | 879 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.2635% | 2,736 |
| Loan and lease loss provision to assets | 0.4000% | 141 |
| Net operating income to assets | 1.7256% | 500 |
| Return on assets (ROA) | 1.7254% | 490 |
| Pretax return on assets | 1.7254% | 858 |
| Return on Equity (ROE) | 21.5300% | 321 |
| Retained earnings to average equity (ytd only) | 20.4938% | 94 |
| Net charge-offs to loans | -0.0091% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.6164% | 4,038 |
| Assets per employee ($millions) | 7.8993% | 1,377 |
| Cash dividends to net income (ytd only)* | 4.8333% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 1,961 |
| Loan loss allowance to noncurrent loans | 560.8649% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 2,254 |
| Noncurrent loans to loans | 0.2347% | 2,448 |
| Net loans and leases to total assets | 84.9000% | 192 |
| Net loans and leases to deposits | 98.6661% | 421 |
| Net loans and leases to core deposits | 101.3657% | 767 |
| Total domestic deposits to total assets | 86.0500% | 3,058 |
| Equity capital to assets | 8.3073% | 2,673 |
| Core capital (leverage) ratio | 9.8482% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3980% | 2,311 |
| Memoranda: | ||
| Average total assets | $479,658,750 | 1,785 |
| Average earning assets | $464,640,500 | 1,726 |
| Average equity | $38,430,250 | 2,006 |
| Average total loans | $351,410,250 | 1,530 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8606% | 1,190 |
| Cost of funding earning assets | 0.2849% | 1,852 |
| Net interest margin | 3.5757% | 1,116 |
| Noninterest income to average assets | 0.7025% | 1,329 |
| Noninterest expense to average assets | 2.2189% | 2,788 |
| Loan and lease loss provision to assets | 0.2568% | 276 |
| Net operating income to assets | 1.6869% | 439 |
| Return on assets (ROA) | 1.6869% | 433 |
| Pretax return on assets | 1.6869% | 777 |
| Return on Equity (ROE) | 21.3004% | 226 |
| Retained earnings to average equity (ytd only) | 21.3004% | 56 |
| Net charge-offs to loans | -0.0107% | 3,611 |
| Credit loss provision to net charge-offs | -3,472.2222% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3064% | 4,022 |
| Assets per employee ($millions) | 7.7153% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,649 |
| Loan loss allowance to noncurrent loans | 448.0573% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 2,222 |
| Noncurrent loans to loans | 0.2695% | 2,400 |
| Net loans and leases to total assets | 80.1194% | 394 |
| Net loans and leases to deposits | 87.7694% | 849 |
| Net loans and leases to core deposits | 89.7872% | 1,132 |
| Total domestic deposits to total assets | 91.2840% | 1,111 |
| Equity capital to assets | 8.5095% | 2,756 |
| Core capital (leverage) ratio | 9.2561% | 3,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8542% | 2,124 |
| Memoranda: | ||
| Average total assets | $486,824,333 | 1,774 |
| Average earning assets | $471,067,667 | 1,719 |
| Average equity | $38,553,333 | 2,057 |
| Average total loans | $337,150,333 | 1,574 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4225% | 2,025 |
| Cost of funding earning assets | 0.2741% | 1,886 |
| Net interest margin | 3.1484% | 2,026 |
| Noninterest income to average assets | 0.7866% | 1,075 |
| Noninterest expense to average assets | 2.0691% | 3,253 |
| Loan and lease loss provision to assets | 0.1185% | 702 |
| Net operating income to assets | 1.6648% | 438 |
| Return on assets (ROA) | 1.6648% | 441 |
| Pretax return on assets | 1.6648% | 733 |
| Return on Equity (ROE) | 21.7373% | 167 |
| Retained earnings to average equity (ytd only) | 21.7373% | 75 |
| Net charge-offs to loans | -0.0099% | 3,583 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7105% | 4,078 |
| Assets per employee ($millions) | 9.2225% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 3,012 |
| Loan loss allowance to noncurrent loans | 389.4106% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 2,383 |
| Noncurrent loans to loans | 0.2998% | 2,392 |
| Net loans and leases to total assets | 68.8146% | 1,130 |
| Net loans and leases to deposits | 75.0664% | 1,520 |
| Net loans and leases to core deposits | 75.9110% | 1,788 |
| Total domestic deposits to total assets | 91.6717% | 711 |
| Equity capital to assets | 8.1924% | 3,414 |
| Core capital (leverage) ratio | 7.9065% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3315% | 2,064 |
| Memoranda: | ||
| Average total assets | $506,493,000 | 1,716 |
| Average earning assets | $493,201,000 | 1,684 |
| Average equity | $38,790,500 | 2,098 |
| Average total loans | $324,272,500 | 1,603 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8936% | 1,630 |
| Cost of funding earning assets | 0.2911% | 2,497 |
| Net interest margin | 3.6025% | 1,462 |
| Noninterest income to average assets | 0.7465% | 1,608 |
| Noninterest expense to average assets | 2.0776% | 3,446 |
| Loan and lease loss provision to assets | 0.0979% | 1,268 |
| Net operating income to assets | 2.0565% | 306 |
| Return on assets (ROA) | 2.0600% | 316 |
| Pretax return on assets | 2.0600% | 544 |
| Return on Equity (ROE) | 27.6799% | 89 |
| Retained earnings to average equity (ytd only) | 19.0688% | 75 |
| Net charge-offs to loans | 0.3430% | 247 |
| Credit loss provision to net charge-offs | 40.8719% | 2,194 |
| Earnings coverage of net charge-offs (x) | 8.9982% | 2,280 |
| Efficiency ratio | 49.0931% | 4,348 |
| Assets per employee ($millions) | 11.3493% | 462 |
| Cash dividends to net income (ytd only)* | 31.1095% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 2,937 |
| Loan loss allowance to noncurrent loans | 432.8704% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 2,806 |
| Noncurrent loans to loans | 0.2746% | 2,620 |
| Net loans and leases to total assets | 58.2834% | 2,347 |
| Net loans and leases to deposits | 63.0194% | 2,783 |
| Net loans and leases to core deposits | 63.6171% | 3,016 |
| Total domestic deposits to total assets | 92.4849% | 96 |
| Equity capital to assets | 7.1788% | 4,685 |
| Core capital (leverage) ratio | 7.6164% | 4,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0322% | 1,830 |
| Memoranda: | ||
| Average total assets | $459,856,200 | 1,814 |
| Average earning assets | $444,910,800 | 1,750 |
| Average equity | $34,223,400 | 2,325 |
| Average total loans | $321,005,000 | 1,618 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9876% | 1,564 |
| Cost of funding earning assets | 0.3005% | 2,589 |
| Net interest margin | 3.6871% | 1,365 |
| Noninterest income to average assets | 0.6557% | 1,990 |
| Noninterest expense to average assets | 2.0299% | 3,588 |
| Loan and lease loss provision to assets | 0.1359% | 836 |
| Net operating income to assets | 2.0404% | 431 |
| Return on assets (ROA) | 2.0404% | 458 |
| Pretax return on assets | 2.0404% | 746 |
| Return on Equity (ROE) | 27.1269% | 123 |
| Retained earnings to average equity (ytd only) | 15.2940% | 360 |
| Net charge-offs to loans | -0.0682% | 4,477 |
| Credit loss provision to net charge-offs | -272.7273% | 3,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2588% | 4,350 |
| Assets per employee ($millions) | 9.5350% | 758 |
| Cash dividends to net income (ytd only)* | 43.6205% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 1,552 |
| Loan loss allowance to noncurrent loans | 241.1368% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 1,727 |
| Noncurrent loans to loans | 0.6303% | 1,733 |
| Net loans and leases to total assets | 68.0388% | 1,320 |
| Net loans and leases to deposits | 73.7134% | 1,890 |
| Net loans and leases to core deposits | 74.4969% | 2,186 |
| Total domestic deposits to total assets | 92.3018% | 78 |
| Equity capital to assets | 7.4886% | 4,709 |
| Core capital (leverage) ratio | 7.8881% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8350% | 2,417 |
| Memoranda: | ||
| Average total assets | $441,465,750 | 1,884 |
| Average earning assets | $425,109,250 | 1,836 |
| Average equity | $33,206,000 | 2,408 |
| Average total loans | $322,597,750 | 1,645 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0213% | 1,523 |
| Cost of funding earning assets | 0.3095% | 2,682 |
| Net interest margin | 3.7117% | 1,318 |
| Noninterest income to average assets | 0.5967% | 2,231 |
| Noninterest expense to average assets | 1.9888% | 3,736 |
| Loan and lease loss provision to assets | 0.2094% | 524 |
| Net operating income to assets | 1.9762% | 503 |
| Return on assets (ROA) | 1.9762% | 534 |
| Pretax return on assets | 1.9762% | 875 |
| Return on Equity (ROE) | 26.2309% | 164 |
| Retained earnings to average equity (ytd only) | 18.5087% | 205 |
| Net charge-offs to loans | -0.0918% | 4,600 |
| Credit loss provision to net charge-offs | -306.1224% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6419% | 4,415 |
| Assets per employee ($millions) | 9.4568% | 726 |
| Cash dividends to net income (ytd only)* | 29.4395% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 1,329 |
| Loan loss allowance to noncurrent loans | 240.1541% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 1,716 |
| Noncurrent loans to loans | 0.6577% | 1,774 |
| Net loans and leases to total assets | 73.0384% | 851 |
| Net loans and leases to deposits | 79.6843% | 1,458 |
| Net loans and leases to core deposits | 80.6415% | 1,833 |
| Total domestic deposits to total assets | 91.6598% | 203 |
| Equity capital to assets | 8.1924% | 4,436 |
| Core capital (leverage) ratio | 7.7167% | 4,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9124% | 1,996 |
| Memoranda: | ||
| Average total assets | $429,704,333 | 1,912 |
| Average earning assets | $414,198,667 | 1,865 |
| Average equity | $32,374,000 | 2,434 |
| Average total loans | $320,336,667 | 1,658 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2770% | 1,080 |
| Cost of funding earning assets | 0.3162% | 2,829 |
| Net interest margin | 3.9608% | 895 |
| Noninterest income to average assets | 0.4827% | 2,694 |
| Noninterest expense to average assets | 1.9927% | 3,739 |
| Loan and lease loss provision to assets | 0.2084% | 575 |
| Net operating income to assets | 2.0992% | 495 |
| Return on assets (ROA) | 2.0992% | 533 |
| Pretax return on assets | 2.0992% | 810 |
| Return on Equity (ROE) | 29.1171% | 156 |
| Retained earnings to average equity (ytd only) | 13.0551% | 901 |
| Net charge-offs to loans | -0.1773% | 4,767 |
| Credit loss provision to net charge-offs | -157.3427% | 2,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3378% | 4,443 |
| Assets per employee ($millions) | 11.1154% | 439 |
| Cash dividends to net income (ytd only)* | 55.1633% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,893 |
| Loan loss allowance to noncurrent loans | 13,997.0588% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,332 |
| Noncurrent loans to loans | 0.0101% | 4,263 |
| Net loans and leases to total assets | 71.0460% | 1,146 |
| Net loans and leases to deposits | 76.5070% | 1,852 |
| Net loans and leases to core deposits | 78.2222% | 2,162 |
| Total domestic deposits to total assets | 92.8621% | 43 |
| Equity capital to assets | 7.0299% | 4,840 |
| Core capital (leverage) ratio | 7.5133% | 4,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7019% | 2,006 |
| Memoranda: | ||
| Average total assets | $431,779,500 | 1,892 |
| Average earning assets | $416,180,500 | 1,847 |
| Average equity | $31,129,500 | 2,482 |
| Average total loans | $322,602,000 | 1,653 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4998% | 1,317 |
| Cost of funding earning assets | 0.5668% | 2,526 |
| Net interest margin | 3.9330% | 1,132 |
| Noninterest income to average assets | 0.5333% | 2,495 |
| Noninterest expense to average assets | 2.3648% | 3,229 |
| Loan and lease loss provision to assets | 0.4002% | 785 |
| Net operating income to assets | 1.5550% | 705 |
| Return on assets (ROA) | 1.5550% | 768 |
| Pretax return on assets | 1.5550% | 1,181 |
| Return on Equity (ROE) | 19.8441% | 238 |
| Retained earnings to average equity (ytd only) | 18.4318% | 81 |
| Net charge-offs to loans | 0.0462% | 2,143 |
| Credit loss provision to net charge-offs | 1,043.0769% | 760 |
| Earnings coverage of net charge-offs (x) | 50.9615% | 1,182 |
| Efficiency ratio | 54.7411% | 4,120 |
| Assets per employee ($millions) | 9.6759% | 589 |
| Cash dividends to net income (ytd only)* | 7.1171% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 1,880 |
| Loan loss allowance to noncurrent loans | 11,870.2703% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 4,391 |
| Noncurrent loans to loans | 0.0120% | 4,328 |
| Net loans and leases to total assets | 76.7249% | 719 |
| Net loans and leases to deposits | 83.0803% | 1,539 |
| Net loans and leases to core deposits | 85.3735% | 1,919 |
| Total domestic deposits to total assets | 92.3504% | 44 |
| Equity capital to assets | 7.4210% | 4,854 |
| Core capital (leverage) ratio | 7.0952% | 4,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2084% | 2,167 |
| Memoranda: | ||
| Average total assets | $338,845,200 | 2,101 |
| Average earning assets | $326,237,400 | 2,046 |
| Average equity | $26,552,000 | 2,708 |
| Average total loans | $281,306,600 | 1,770 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5183% | 1,520 |
| Cost of funding earning assets | 0.6320% | 2,421 |
| Net interest margin | 3.8863% | 1,384 |
| Noninterest income to average assets | 0.5261% | 2,497 |
| Noninterest expense to average assets | 2.3466% | 3,295 |
| Loan and lease loss provision to assets | 0.4239% | 794 |
| Net operating income to assets | 1.4937% | 921 |
| Return on assets (ROA) | 1.4937% | 1,002 |
| Pretax return on assets | 1.4937% | 1,462 |
| Return on Equity (ROE) | 18.7581% | 309 |
| Retained earnings to average equity (ytd only) | 16.8224% | 129 |
| Net charge-offs to loans | 0.0151% | 2,585 |
| Credit loss provision to net charge-offs | 3,325.8065% | 326 |
| Earnings coverage of net charge-offs (x) | 150.4839% | 597 |
| Efficiency ratio | 55.0318% | 4,035 |
| Assets per employee ($millions) | 10.1601% | 484 |
| Cash dividends to net income (ytd only)* | 10.3192% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 2,284 |
| Loan loss allowance to noncurrent loans | 2,833.3333% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 4,268 |
| Noncurrent loans to loans | 0.0449% | 4,204 |
| Net loans and leases to total assets | 81.6022% | 470 |
| Net loans and leases to deposits | 89.5364% | 1,314 |
| Net loans and leases to core deposits | 92.3270% | 1,767 |
| Total domestic deposits to total assets | 91.1385% | 144 |
| Equity capital to assets | 7.0086% | 4,950 |
| Core capital (leverage) ratio | 7.4931% | 4,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9128% | 2,244 |
| Memoranda: | ||
| Average total assets | $324,378,500 | 2,147 |
| Average earning assets | $311,997,250 | 2,094 |
| Average equity | $25,830,000 | 2,743 |
| Average total loans | $274,441,000 | 1,798 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8139% | 1,138 |
| Cost of funding earning assets | 0.7508% | 2,114 |
| Net interest margin | 4.0631% | 1,190 |
| Noninterest income to average assets | 0.3954% | 3,113 |
| Noninterest expense to average assets | 2.4732% | 3,040 |
| Loan and lease loss provision to assets | 0.4534% | 849 |
| Net operating income to assets | 1.3707% | 1,177 |
| Return on assets (ROA) | 1.3707% | 1,272 |
| Pretax return on assets | 1.3707% | 1,801 |
| Return on Equity (ROE) | 16.3523% | 511 |
| Retained earnings to average equity (ytd only) | 13.3741% | 319 |
| Net charge-offs to loans | 0.0296% | 2,125 |
| Credit loss provision to net charge-offs | 1,792.1053% | 532 |
| Earnings coverage of net charge-offs (x) | 72.1053% | 868 |
| Efficiency ratio | 57.5523% | 3,751 |
| Assets per employee ($millions) | 9.1147% | 661 |
| Cash dividends to net income (ytd only)* | 18.2127% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,239 |
| Loan loss allowance to noncurrent loans | 9,287.8049% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 4,513 |
| Noncurrent loans to loans | 0.0135% | 4,455 |
| Net loans and leases to total assets | 86.5797% | 113 |
| Net loans and leases to deposits | 95.8781% | 806 |
| Net loans and leases to core deposits | 98.3545% | 1,386 |
| Total domestic deposits to total assets | 90.3019% | 324 |
| Equity capital to assets | 7.5639% | 4,860 |
| Core capital (leverage) ratio | 7.6183% | 4,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6155% | 2,354 |
| Memoranda: | ||
| Average total assets | $300,424,000 | 2,250 |
| Average earning assets | $288,499,333 | 2,195 |
| Average equity | $25,183,000 | 2,768 |
| Average total loans | $256,752,333 | 1,863 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 1,169 |
| Cost of funding earning assets | 0.9563% | 1,623 |
| Net interest margin | 3.9536% | 1,521 |
| Noninterest income to average assets | 0.4123% | 3,016 |
| Noninterest expense to average assets | 2.6613% | 2,806 |
| Loan and lease loss provision to assets | 0.1197% | 2,198 |
| Net operating income to assets | 1.4460% | 885 |
| Return on assets (ROA) | 1.4460% | 960 |
| Pretax return on assets | 1.4460% | 1,443 |
| Return on Equity (ROE) | 16.2590% | 395 |
| Retained earnings to average equity (ytd only) | 10.1801% | 710 |
| Net charge-offs to loans | 0.0669% | 1,356 |
| Credit loss provision to net charge-offs | 212.8205% | 1,383 |
| Earnings coverage of net charge-offs (x) | 27.8462% | 1,227 |
| Efficiency ratio | 62.9604% | 3,375 |
| Assets per employee ($millions) | 7.6703% | 840 |
| Cash dividends to net income (ytd only)* | 37.3878% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,704 |
| Loan loss allowance to noncurrent loans | 835.6771% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 3,953 |
| Noncurrent loans to loans | 0.1675% | 3,865 |
| Net loans and leases to total assets | 81.8496% | 449 |
| Net loans and leases to deposits | 93.9255% | 1,087 |
| Net loans and leases to core deposits | 97.0971% | 1,711 |
| Total domestic deposits to total assets | 87.1431% | 1,495 |
| Equity capital to assets | 9.0746% | 4,555 |
| Core capital (leverage) ratio | 9.1511% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0901% | 2,655 |
| Memoranda: | ||
| Average total assets | $277,457,500 | 2,340 |
| Average earning assets | $267,708,500 | 2,275 |
| Average equity | $24,675,500 | 2,800 |
| Average total loans | $233,287,000 | 1,971 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1907% | 1,016 |
| Cost of funding earning assets | 1.1599% | 1,128 |
| Net interest margin | 4.0308% | 1,746 |
| Noninterest income to average assets | 0.3644% | 3,521 |
| Noninterest expense to average assets | 2.4867% | 3,491 |
| Loan and lease loss provision to assets | 0.2841% | 607 |
| Net operating income to assets | 1.4472% | 1,197 |
| Return on assets (ROA) | 1.4472% | 1,262 |
| Pretax return on assets | 1.4472% | 1,985 |
| Return on Equity (ROE) | 16.3184% | 500 |
| Retained earnings to average equity (ytd only) | 4.6776% | 2,598 |
| Net charge-offs to loans | 0.2214% | 923 |
| Credit loss provision to net charge-offs | 152.1298% | 1,678 |
| Earnings coverage of net charge-offs (x) | 9.2698% | 2,685 |
| Efficiency ratio | 58.9546% | 3,842 |
| Assets per employee ($millions) | 8.1995% | 663 |
| Cash dividends to net income (ytd only)* | 71.3351% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 1,778 |
| Loan loss allowance to noncurrent loans | 126.6907% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.8964% | 1,421 |
| Noncurrent loans to loans | 1.0529% | 1,439 |
| Net loans and leases to total assets | 84.0030% | 318 |
| Net loans and leases to deposits | 96.1240% | 927 |
| Net loans and leases to core deposits | 99.0945% | 1,639 |
| Total domestic deposits to total assets | 87.3902% | 1,412 |
| Equity capital to assets | 8.7139% | 4,820 |
| Core capital (leverage) ratio | 8.3583% | 4,922 |
| Tier 1 risk-based capital ratio | 11.2618% | 4,750 |
| Total risk-based capital ratio | 12.5144% | 4,639 |
| Memoranda: | ||
| Average total assets | $263,961,600 | 2,370 |
| Average earning assets | $252,357,200 | 2,322 |
| Average equity | $23,409,200 | 2,842 |
| Average total loans | $222,703,800 | 2,012 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1987% | 1,045 |
| Cost of funding earning assets | 1.1452% | 1,191 |
| Net interest margin | 4.0535% | 1,749 |
| Noninterest income to average assets | 0.3929% | 3,366 |
| Noninterest expense to average assets | 2.4473% | 3,575 |
| Loan and lease loss provision to assets | 0.2843% | 527 |
| Net operating income to assets | 1.5292% | 1,115 |
| Return on assets (ROA) | 1.5292% | 1,170 |
| Pretax return on assets | 1.5292% | 1,874 |
| Return on Equity (ROE) | 17.1634% | 464 |
| Retained earnings to average equity (ytd only) | 4.2262% | 3,287 |
| Net charge-offs to loans | 0.3129% | 556 |
| Credit loss provision to net charge-offs | 107.9767% | 2,119 |
| Earnings coverage of net charge-offs (x) | 6.8871% | 2,797 |
| Efficiency ratio | 57.4366% | 4,007 |
| Assets per employee ($millions) | 8.6478% | 544 |
| Cash dividends to net income (ytd only)* | 75.3770% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 1,936 |
| Loan loss allowance to noncurrent loans | 101.2358% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.7544% | 570 |
| Noncurrent loans to loans | 1.2918% | 1,198 |
| Net loans and leases to total assets | 80.4246% | 791 |
| Net loans and leases to deposits | 91.9415% | 1,442 |
| Net loans and leases to core deposits | 95.1371% | 2,074 |
| Total domestic deposits to total assets | 87.4737% | 1,273 |
| Equity capital to assets | 8.6565% | 4,945 |
| Core capital (leverage) ratio | 8.9266% | 4,688 |
| Tier 1 risk-based capital ratio | 11.4449% | 4,695 |
| Total risk-based capital ratio | 12.6968% | 4,595 |
| Memoranda: | ||
| Average total assets | $260,256,250 | 2,416 |
| Average earning assets | $248,339,000 | 2,365 |
| Average equity | $23,188,250 | 2,875 |
| Average total loans | $219,041,750 | 2,047 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1619% | 1,070 |
| Cost of funding earning assets | 1.1139% | 1,245 |
| Net interest margin | 4.0480% | 1,769 |
| Noninterest income to average assets | 0.3705% | 3,461 |
| Noninterest expense to average assets | 2.4415% | 3,631 |
| Loan and lease loss provision to assets | 0.2826% | 517 |
| Net operating income to assets | 1.5293% | 1,065 |
| Return on assets (ROA) | 1.5293% | 1,114 |
| Pretax return on assets | 1.5293% | 1,763 |
| Return on Equity (ROE) | 16.9889% | 463 |
| Retained earnings to average equity (ytd only) | 0.4186% | 4,586 |
| Net charge-offs to loans | 0.2038% | 813 |
| Credit loss provision to net charge-offs | 162.8959% | 1,403 |
| Earnings coverage of net charge-offs (x) | 10.4434% | 2,271 |
| Efficiency ratio | 57.4013% | 4,082 |
| Assets per employee ($millions) | 8.4913% | 553 |
| Cash dividends to net income (ytd only)* | 97.5359% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 1,578 |
| Loan loss allowance to noncurrent loans | 63.2289% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.8307% | 545 |
| Noncurrent loans to loans | 2.2274% | 599 |
| Net loans and leases to total assets | 81.0345% | 727 |
| Net loans and leases to deposits | 93.0152% | 1,374 |
| Net loans and leases to core deposits | 99.4814% | 1,769 |
| Total domestic deposits to total assets | 87.1197% | 1,540 |
| Equity capital to assets | 8.8136% | 4,896 |
| Core capital (leverage) ratio | 9.3884% | 4,262 |
| Tier 1 risk-based capital ratio | 11.6063% | 4,632 |
| Total risk-based capital ratio | 12.8599% | 4,524 |
| Memoranda: | ||
| Average total assets | $254,765,000 | 2,455 |
| Average earning assets | $244,367,000 | 2,398 |
| Average equity | $22,932,670 | 2,887 |
| Average total loans | $216,886,330 | 2,066 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 681 |
| Cost of funding earning assets | 1.0935% | 1,205 |
| Net interest margin | 4.2671% | 1,157 |
| Noninterest income to average assets | 0.4103% | 3,108 |
| Noninterest expense to average assets | 2.4859% | 3,551 |
| Loan and lease loss provision to assets | 0.2714% | 508 |
| Net operating income to assets | 1.7339% | 689 |
| Return on assets (ROA) | 1.7339% | 709 |
| Pretax return on assets | 1.7339% | 1,131 |
| Return on Equity (ROE) | 19.0535% | 327 |
| Retained earnings to average equity (ytd only) | -5.9476% | 4,973 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3502% | 4,404 |
| Assets per employee ($millions) | 8.2175% | 620 |
| Cash dividends to net income (ytd only)* | 131.2155% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 1,538 |
| Loan loss allowance to noncurrent loans | 110.6001% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.1289% | 1,210 |
| Noncurrent loans to loans | 1.3023% | 1,257 |
| Net loans and leases to total assets | 85.4380% | 240 |
| Net loans and leases to deposits | 105.6802% | 328 |
| Net loans and leases to core deposits | 116.1216% | 644 |
| Total domestic deposits to total assets | 80.8458% | 3,999 |
| Equity capital to assets | 9.2177% | 4,515 |
| Core capital (leverage) ratio | 9.2421% | 4,419 |
| Tier 1 risk-based capital ratio | 11.5246% | 4,731 |
| Total risk-based capital ratio | 12.7784% | 4,621 |
| Memoranda: | ||
| Average total assets | $250,532,000 | 2,507 |
| Average earning assets | $239,602,000 | 2,457 |
| Average equity | $22,799,000 | 2,897 |
| Average total loans | $217,152,000 | 2,083 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2695% | 615 |
| Cost of funding earning assets | 0.8939% | 1,114 |
| Net interest margin | 4.3757% | 992 |
| Noninterest income to average assets | 0.4486% | 3,110 |
| Noninterest expense to average assets | 2.7103% | 2,988 |
| Loan and lease loss provision to assets | -0.6204% | 5,393 |
| Net operating income to assets | 2.5381% | 142 |
| Return on assets (ROA) | 2.5381% | 141 |
| Pretax return on assets | 2.5381% | 195 |
| Return on Equity (ROE) | 29.5083% | 42 |
| Retained earnings to average equity (ytd only) | 21.8747% | 27 |
| Net charge-offs to loans | -1.2140% | 5,364 |
| Credit loss provision to net charge-offs | 59.2760% | 3,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5636% | 4,071 |
| Assets per employee ($millions) | 8.4846% | 553 |
| Cash dividends to net income (ytd only)* | 25.8694% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 1,957 |
| Loan loss allowance to noncurrent loans | 598.3539% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 3,863 |
| Noncurrent loans to loans | 0.2203% | 3,791 |
| Net loans and leases to total assets | 85.5240% | 268 |
| Net loans and leases to deposits | 100.8992% | 677 |
| Net loans and leases to core deposits | 111.4329% | 911 |
| Total domestic deposits to total assets | 84.7619% | 2,746 |
| Equity capital to assets | 8.9864% | 4,590 |
| Core capital (leverage) ratio | 9.2933% | 4,357 |
| Tier 1 risk-based capital ratio | 11.3896% | 4,778 |
| Total risk-based capital ratio | 12.6395% | 4,682 |
| Memoranda: | ||
| Average total assets | $232,260,000 | 2,604 |
| Average earning assets | $221,840,600 | 2,546 |
| Average equity | $19,977,400 | 3,092 |
| Average total loans | $200,240,000 | 2,175 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1779% | 656 |
| Cost of funding earning assets | 0.8218% | 1,235 |
| Net interest margin | 4.3561% | 997 |
| Noninterest income to average assets | 0.4605% | 3,095 |
| Noninterest expense to average assets | 2.7279% | 2,887 |
| Loan and lease loss provision to assets | 0.4794% | 243 |
| Net operating income to assets | 1.4122% | 1,445 |
| Return on assets (ROA) | 1.4122% | 1,442 |
| Pretax return on assets | 1.4122% | 2,184 |
| Return on Equity (ROE) | 16.6271% | 595 |
| Retained earnings to average equity (ytd only) | 10.7408% | 712 |
| Net charge-offs to loans | -0.1667% | 5,269 |
| Credit loss provision to net charge-offs | -334.0164% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0527% | 3,959 |
| Assets per employee ($millions) | 8.2139% | 599 |
| Cash dividends to net income (ytd only)* | 35.4021% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 1,589 |
| Loan loss allowance to noncurrent loans | 581.4453% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 3,869 |
| Noncurrent loans to loans | 0.2461% | 3,811 |
| Net loans and leases to total assets | 86.0947% | 257 |
| Net loans and leases to deposits | 102.0730% | 647 |
| Net loans and leases to core deposits | 111.8132% | 918 |
| Total domestic deposits to total assets | 84.3462% | 2,839 |
| Equity capital to assets | 8.4318% | 4,969 |
| Core capital (leverage) ratio | 8.6726% | 4,977 |
| Tier 1 risk-based capital ratio | 10.6474% | 5,194 |
| Total risk-based capital ratio | 11.8975% | 5,104 |
| Memoranda: | ||
| Average total assets | $226,690,250 | 2,651 |
| Average earning assets | $216,426,500 | 2,601 |
| Average equity | $19,253,250 | 3,181 |
| Average total loans | $195,150,000 | 2,215 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 661 |
| Cost of funding earning assets | 0.7655% | 1,307 |
| Net interest margin | 4.3358% | 966 |
| Noninterest income to average assets | 0.4065% | 3,440 |
| Noninterest expense to average assets | 2.7866% | 2,701 |
| Loan and lease loss provision to assets | 0.4757% | 241 |
| Net operating income to assets | 1.2771% | 1,870 |
| Return on assets (ROA) | 1.2771% | 1,872 |
| Pretax return on assets | 1.2771% | 2,603 |
| Return on Equity (ROE) | 14.9979% | 852 |
| Retained earnings to average equity (ytd only) | 9.5173% | 1,068 |
| Net charge-offs to loans | -0.0168% | 4,494 |
| Credit loss provision to net charge-offs | -3,312.5000% | 4,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3879% | 3,715 |
| Assets per employee ($millions) | 8.1428% | 597 |
| Cash dividends to net income (ytd only)* | 36.5425% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 2,647 |
| Loan loss allowance to noncurrent loans | 439.2157% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 3,820 |
| Noncurrent loans to loans | 0.2762% | 3,719 |
| Net loans and leases to total assets | 84.9624% | 361 |
| Net loans and leases to deposits | 106.6307% | 409 |
| Net loans and leases to core deposits | 118.2993% | 617 |
| Total domestic deposits to total assets | 79.6792% | 4,312 |
| Equity capital to assets | 8.2256% | 5,115 |
| Core capital (leverage) ratio | 8.9879% | 4,700 |
| Tier 1 risk-based capital ratio | 10.5183% | 5,264 |
| Total risk-based capital ratio | 11.7682% | 5,163 |
| Memoranda: | ||
| Average total assets | $222,852,330 | 2,701 |
| Average earning assets | $212,419,670 | 2,647 |
| Average equity | $18,976,000 | 3,222 |
| Average total loans | $190,847,330 | 2,256 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 635 |
| Cost of funding earning assets | 0.7200% | 1,341 |
| Net interest margin | 4.3259% | 912 |
| Noninterest income to average assets | 0.3904% | 3,539 |
| Noninterest expense to average assets | 2.9102% | 2,328 |
| Loan and lease loss provision to assets | 0.4810% | 219 |
| Net operating income to assets | 1.1230% | 2,321 |
| Return on assets (ROA) | 1.1230% | 2,337 |
| Pretax return on assets | 1.1230% | 3,079 |
| Return on Equity (ROE) | 12.9480% | 1,277 |
| Retained earnings to average equity (ytd only) | 7.0819% | 2,249 |
| Net charge-offs to loans | -0.0065% | 4,097 |
| Credit loss provision to net charge-offs | -8,666.6667% | 4,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4672% | 3,405 |
| Assets per employee ($millions) | 8.2058% | 583 |
| Cash dividends to net income (ytd only)* | 45.3048% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 3,048 |
| Loan loss allowance to noncurrent loans | 469.8276% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 4,047 |
| Noncurrent loans to loans | 0.2466% | 3,881 |
| Net loans and leases to total assets | 83.9521% | 443 |
| Net loans and leases to deposits | 104.9632% | 430 |
| Net loans and leases to core deposits | 114.5002% | 781 |
| Total domestic deposits to total assets | 79.9825% | 4,418 |
| Equity capital to assets | 8.5143% | 4,967 |
| Core capital (leverage) ratio | 8.9986% | 4,680 |
| Tier 1 risk-based capital ratio | 10.8047% | 5,248 |
| Total risk-based capital ratio | 12.0398% | 5,144 |
| Memoranda: | ||
| Average total assets | $216,207,500 | 2,787 |
| Average earning assets | $206,109,500 | 2,732 |
| Average equity | $18,752,000 | 3,279 |
| Average total loans | $184,723,000 | 2,324 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 863 |
| Cost of funding earning assets | 0.6039% | 1,575 |
| Net interest margin | 4.2599% | 1,056 |
| Noninterest income to average assets | 0.6827% | 2,039 |
| Noninterest expense to average assets | 3.0154% | 2,131 |
| Loan and lease loss provision to assets | 0.5871% | 216 |
| Net operating income to assets | 1.1142% | 1,813 |
| Return on assets (ROA) | 1.1142% | 1,838 |
| Pretax return on assets | 1.1142% | 3,127 |
| Return on Equity (ROE) | 12.0923% | 1,183 |
| Retained earnings to average equity (ytd only) | 7.6239% | 886 |
| Net charge-offs to loans | 0.5859% | 393 |
| Credit loss provision to net charge-offs | 119.9377% | 2,181 |
| Earnings coverage of net charge-offs (x) | 3.4756% | 3,601 |
| Efficiency ratio | 63.9293% | 3,615 |
| Assets per employee ($millions) | 8.1100% | 617 |
| Cash dividends to net income (ytd only)* | 36.9526% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 3,572 |
| Loan loss allowance to noncurrent loans | 355.8442% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 3,861 |
| Noncurrent loans to loans | 0.2974% | 3,714 |
| Net loans and leases to total assets | 85.0554% | 342 |
| Net loans and leases to deposits | 104.6072% | 464 |
| Net loans and leases to core deposits | 113.0136% | 837 |
| Total domestic deposits to total assets | 81.3093% | 4,050 |
| Equity capital to assets | 8.8400% | 4,862 |
| Core capital (leverage) ratio | 8.7359% | 4,920 |
| Tier 1 risk-based capital ratio | 10.7068% | 5,298 |
| Total risk-based capital ratio | 11.8027% | 5,256 |
| Memoranda: | ||
| Average total assets | $196,725,600 | 2,954 |
| Average earning assets | $186,297,000 | 2,903 |
| Average equity | $18,127,200 | 3,347 |
| Average total loans | $164,366,400 | 2,493 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7939% | 937 |
| Cost of funding earning assets | 0.5743% | 1,713 |
| Net interest margin | 4.2195% | 1,109 |
| Noninterest income to average assets | 0.7171% | 1,929 |
| Noninterest expense to average assets | 2.9448% | 2,266 |
| Loan and lease loss provision to assets | 0.5418% | 207 |
| Net operating income to assets | 1.2209% | 1,605 |
| Return on assets (ROA) | 1.2209% | 1,635 |
| Pretax return on assets | 1.2209% | 2,820 |
| Return on Equity (ROE) | 13.1041% | 1,032 |
| Retained earnings to average equity (ytd only) | 9.4373% | 725 |
| Net charge-offs to loans | 0.2231% | 970 |
| Credit loss provision to net charge-offs | 292.9104% | 1,015 |
| Earnings coverage of net charge-offs (x) | 9.5300% | 2,685 |
| Efficiency ratio | 62.5568% | 3,805 |
| Assets per employee ($millions) | 8.0119% | 626 |
| Cash dividends to net income (ytd only)* | 27.9817% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 2,292 |
| Loan loss allowance to noncurrent loans | 149.5333% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 2,428 |
| Noncurrent loans to loans | 0.8790% | 2,176 |
| Net loans and leases to total assets | 77.8528% | 1,291 |
| Net loans and leases to deposits | 95.1970% | 1,182 |
| Net loans and leases to core deposits | 108.5723% | 1,116 |
| Total domestic deposits to total assets | 81.7808% | 3,837 |
| Equity capital to assets | 8.6654% | 5,175 |
| Core capital (leverage) ratio | 8.8684% | 4,906 |
| Tier 1 risk-based capital ratio | 11.5562% | 4,921 |
| Total risk-based capital ratio | 12.8080% | 4,807 |
| Memoranda: | ||
| Average total assets | $193,192,250 | 3,012 |
| Average earning assets | $182,701,000 | 2,961 |
| Average equity | $17,999,000 | 3,392 |
| Average total loans | $160,141,750 | 2,563 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 858 |
| Cost of funding earning assets | 0.5250% | 1,960 |
| Net interest margin | 4.2749% | 923 |
| Noninterest income to average assets | 0.7289% | 1,865 |
| Noninterest expense to average assets | 3.0084% | 2,087 |
| Loan and lease loss provision to assets | 0.5553% | 202 |
| Net operating income to assets | 1.1861% | 1,642 |
| Return on assets (ROA) | 1.1861% | 1,676 |
| Pretax return on assets | 1.1861% | 2,819 |
| Return on Equity (ROE) | 12.3941% | 1,189 |
| Retained earnings to average equity (ytd only) | 10.0843% | 568 |
| Net charge-offs to loans | 0.3422% | 589 |
| Credit loss provision to net charge-offs | 192.1642% | 1,310 |
| Earnings coverage of net charge-offs (x) | 6.0261% | 2,755 |
| Efficiency ratio | 63.3371% | 3,784 |
| Assets per employee ($millions) | 7.8097% | 662 |
| Cash dividends to net income (ytd only)* | 18.6364% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 3,089 |
| Loan loss allowance to noncurrent loans | 141.5352% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.7140% | 2,423 |
| Noncurrent loans to loans | 0.8401% | 2,305 |
| Net loans and leases to total assets | 83.9758% | 449 |
| Net loans and leases to deposits | 104.8312% | 453 |
| Net loans and leases to core deposits | 122.5134% | 478 |
| Total domestic deposits to total assets | 80.1057% | 4,386 |
| Equity capital to assets | 9.3909% | 4,523 |
| Core capital (leverage) ratio | 9.8727% | 3,688 |
| Tier 1 risk-based capital ratio | 11.4553% | 4,986 |
| Total risk-based capital ratio | 12.6937% | 4,888 |
| Memoranda: | ||
| Average total assets | $185,482,670 | 3,102 |
| Average earning assets | $174,461,330 | 3,057 |
| Average equity | $17,750,330 | 3,439 |
| Average total loans | $156,637,330 | 2,608 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 1,255 |
| Cost of funding earning assets | 0.4925% | 2,153 |
| Net interest margin | 4.0587% | 1,322 |
| Noninterest income to average assets | 0.9479% | 1,110 |
| Noninterest expense to average assets | 3.0409% | 2,050 |
| Loan and lease loss provision to assets | 0.5648% | 174 |
| Net operating income to assets | 1.1384% | 1,719 |
| Return on assets (ROA) | 1.1428% | 1,739 |
| Pretax return on assets | 1.1428% | 2,805 |
| Return on Equity (ROE) | 11.8227% | 1,297 |
| Retained earnings to average equity (ytd only) | 11.8227% | 490 |
| Net charge-offs to loans | 0.6553% | 272 |
| Credit loss provision to net charge-offs | 102.4096% | 1,541 |
| Earnings coverage of net charge-offs (x) | 3.0884% | 2,513 |
| Efficiency ratio | 64.0990% | 3,813 |
| Assets per employee ($millions) | 7.9777% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 3,647 |
| Loan loss allowance to noncurrent loans | 103.2181% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.9145% | 2,026 |
| Noncurrent loans to loans | 1.0770% | 1,901 |
| Net loans and leases to total assets | 83.9646% | 371 |
| Net loans and leases to deposits | 99.2086% | 669 |
| Net loans and leases to core deposits | 102.7915% | 1,309 |
| Total domestic deposits to total assets | 84.6344% | 3,250 |
| Equity capital to assets | 9.6916% | 4,076 |
| Core capital (leverage) ratio | 9.9899% | 3,510 |
| Tier 1 risk-based capital ratio | 11.3851% | 5,098 |
| Total risk-based capital ratio | 12.4885% | 5,075 |
| Memoranda: | ||
| Average total assets | $180,603,000 | 3,181 |
| Average earning assets | $168,920,500 | 3,144 |
| Average equity | $17,458,000 | 3,489 |
| Average total loans | $151,991,500 | 2,671 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 1,527 |
| Cost of funding earning assets | 0.4919% | 2,151 |
| Net interest margin | 4.0113% | 1,605 |
| Noninterest income to average assets | 0.5310% | 3,026 |
| Noninterest expense to average assets | 2.5385% | 3,880 |
| Loan and lease loss provision to assets | 1.7189% | 49 |
| Net operating income to assets | 0.0978% | 5,560 |
| Return on assets (ROA) | 0.0937% | 5,601 |
| Pretax return on assets | 0.0937% | 5,599 |
| Return on Equity (ROE) | 0.8706% | 5,581 |
| Retained earnings to average equity (ytd only) | -4.8372% | 5,670 |
| Net charge-offs to loans | 1.9457% | 74 |
| Credit loss provision to net charge-offs | 106.4926% | 2,448 |
| Earnings coverage of net charge-offs (x) | 1.1255% | 4,036 |
| Efficiency ratio | 58.2874% | 4,816 |
| Assets per employee ($millions) | 7.7269% | 677 |
| Cash dividends to net income (ytd only)* | 655.6250% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 3,340 |
| Loan loss allowance to noncurrent loans | 38.7430% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 2.5068% | 475 |
| Noncurrent loans to loans | 3.0064% | 453 |
| Net loans and leases to total assets | 82.4115% | 553 |
| Net loans and leases to deposits | 94.4038% | 1,157 |
| Net loans and leases to core deposits | 104.7302% | 1,229 |
| Total domestic deposits to total assets | 87.2967% | 1,981 |
| Equity capital to assets | 9.6406% | 4,127 |
| Core capital (leverage) ratio | 9.4627% | 4,134 |
| Tier 1 risk-based capital ratio | 11.4560% | 5,080 |
| Total risk-based capital ratio | 12.5953% | 5,044 |
| Memoranda: | ||
| Average total assets | $170,809,200 | 3,278 |
| Average earning assets | $162,841,600 | 3,197 |
| Average equity | $18,378,400 | 3,359 |
| Average total loans | $141,695,200 | 2,755 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 1,573 |
| Cost of funding earning assets | 0.4853% | 2,212 |
| Net interest margin | 4.0050% | 1,632 |
| Noninterest income to average assets | 0.4432% | 3,603 |
| Noninterest expense to average assets | 2.5525% | 3,818 |
| Loan and lease loss provision to assets | 0.4621% | 285 |
| Net operating income to assets | 1.2554% | 1,437 |
| Return on assets (ROA) | 1.2499% | 1,564 |
| Pretax return on assets | 1.2499% | 2,621 |
| Return on Equity (ROE) | 11.3072% | 1,557 |
| Retained earnings to average equity (ytd only) | 6.0709% | 2,145 |
| Net charge-offs to loans | 0.0923% | 2,027 |
| Credit loss provision to net charge-offs | 604.1237% | 611 |
| Earnings coverage of net charge-offs (x) | 22.4536% | 1,757 |
| Efficiency ratio | 59.7784% | 4,574 |
| Assets per employee ($millions) | 8.3840% | 503 |
| Cash dividends to net income (ytd only)* | 46.3091% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 2,235 |
| Loan loss allowance to noncurrent loans | 49.0248% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 2.3588% | 595 |
| Noncurrent loans to loans | 2.8388% | 561 |
| Net loans and leases to total assets | 81.9355% | 629 |
| Net loans and leases to deposits | 95.3117% | 1,118 |
| Net loans and leases to core deposits | 106.2595% | 1,167 |
| Total domestic deposits to total assets | 85.9659% | 2,376 |
| Equity capital to assets | 10.9795% | 3,030 |
| Core capital (leverage) ratio | 10.9621% | 2,487 |
| Tier 1 risk-based capital ratio | 13.1148% | 4,090 |
| Total risk-based capital ratio | 14.3668% | 3,998 |
| Memoranda: | ||
| Average total assets | $169,082,000 | 3,311 |
| Average earning assets | $161,560,500 | 3,225 |
| Average equity | $18,689,750 | 3,345 |
| Average total loans | $140,072,500 | 2,784 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4777% | 1,584 |
| Cost of funding earning assets | 0.4722% | 2,349 |
| Net interest margin | 4.0055% | 1,626 |
| Noninterest income to average assets | 0.4749% | 3,370 |
| Noninterest expense to average assets | 2.5990% | 3,725 |
| Loan and lease loss provision to assets | 0.5601% | 212 |
| Net operating income to assets | 1.1514% | 1,770 |
| Return on assets (ROA) | 1.1418% | 1,920 |
| Pretax return on assets | 1.1418% | 3,031 |
| Return on Equity (ROE) | 10.3053% | 1,918 |
| Retained earnings to average equity (ytd only) | 4.3516% | 3,145 |
| Net charge-offs to loans | 0.1406% | 1,481 |
| Credit loss provision to net charge-offs | 481.4433% | 679 |
| Earnings coverage of net charge-offs (x) | 14.7113% | 2,048 |
| Efficiency ratio | 60.2949% | 4,607 |
| Assets per employee ($millions) | 8.8319% | 414 |
| Cash dividends to net income (ytd only)* | 57.7731% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,680 |
| Loan loss allowance to noncurrent loans | 47.7222% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 2.3938% | 604 |
| Noncurrent loans to loans | 2.7639% | 578 |
| Net loans and leases to total assets | 85.4695% | 290 |
| Net loans and leases to deposits | 100.7587% | 639 |
| Net loans and leases to core deposits | 108.6793% | 1,002 |
| Total domestic deposits to total assets | 84.8259% | 2,951 |
| Equity capital to assets | 11.2374% | 2,812 |
| Core capital (leverage) ratio | 11.3391% | 2,109 |
| Tier 1 risk-based capital ratio | 13.1822% | 4,086 |
| Total risk-based capital ratio | 14.4336% | 4,003 |
| Memoranda: | ||
| Average total assets | $166,754,670 | 3,357 |
| Average earning assets | $159,681,330 | 3,270 |
| Average equity | $18,476,000 | 3,377 |
| Average total loans | $137,998,330 | 2,822 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 1,828 |
| Cost of funding earning assets | 0.4607% | 2,458 |
| Net interest margin | 3.9298% | 1,846 |
| Noninterest income to average assets | 0.4740% | 3,318 |
| Noninterest expense to average assets | 2.5098% | 4,041 |
| Loan and lease loss provision to assets | 0.3970% | 348 |
| Net operating income to assets | 1.3235% | 1,202 |
| Return on assets (ROA) | 1.3066% | 1,316 |
| Pretax return on assets | 1.3066% | 2,274 |
| Return on Equity (ROE) | 11.8783% | 1,345 |
| Retained earnings to average equity (ytd only) | 5.2063% | 2,814 |
| Net charge-offs to loans | 0.0060% | 2,912 |
| Credit loss provision to net charge-offs | 8,250.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 357.5000% | 164 |
| Efficiency ratio | 59.3288% | 4,832 |
| Assets per employee ($millions) | 8.1295% | 537 |
| Cash dividends to net income (ytd only)* | 56.1694% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 3,082 |
| Loan loss allowance to noncurrent loans | 84.7794% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.2406% | 1,754 |
| Noncurrent loans to loans | 1.4930% | 1,578 |
| Net loans and leases to total assets | 82.0394% | 553 |
| Net loans and leases to deposits | 96.0697% | 937 |
| Net loans and leases to core deposits | 100.1675% | 1,471 |
| Total domestic deposits to total assets | 85.3957% | 2,955 |
| Equity capital to assets | 11.4208% | 2,517 |
| Core capital (leverage) ratio | 11.2369% | 2,196 |
| Tier 1 risk-based capital ratio | 14.0030% | 3,692 |
| Total risk-based capital ratio | 15.2538% | 3,623 |
| Memoranda: | ||
| Average total assets | $166,229,000 | 3,376 |
| Average earning assets | $158,890,000 | 3,299 |
| Average equity | $18,285,500 | 3,401 |
| Average total loans | $134,327,500 | 2,870 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1891% | 2,596 |
| Cost of funding earning assets | 0.5493% | 1,764 |
| Net interest margin | 3.6398% | 2,979 |
| Noninterest income to average assets | 0.4197% | 3,897 |
| Noninterest expense to average assets | 2.2366% | 4,957 |
| Loan and lease loss provision to assets | 0.2329% | 845 |
| Net operating income to assets | 1.4712% | 915 |
| Return on assets (ROA) | 1.4437% | 993 |
| Pretax return on assets | 1.4437% | 1,746 |
| Return on Equity (ROE) | 13.9806% | 845 |
| Retained earnings to average equity (ytd only) | 6.9730% | 1,290 |
| Net charge-offs to loans | 0.2603% | 1,163 |
| Credit loss provision to net charge-offs | 124.2038% | 2,090 |
| Earnings coverage of net charge-offs (x) | 9.0892% | 2,867 |
| Efficiency ratio | 56.7576% | 5,275 |
| Assets per employee ($millions) | 9.9923% | 277 |
| Cash dividends to net income (ytd only)* | 50.1241% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 3,713 |
| Loan loss allowance to noncurrent loans | 62.9373% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.4470% | 1,427 |
| Noncurrent loans to loans | 1.8404% | 1,176 |
| Net loans and leases to total assets | 77.7134% | 1,163 |
| Net loans and leases to deposits | 90.1142% | 1,597 |
| Net loans and leases to core deposits | 93.5439% | 2,087 |
| Total domestic deposits to total assets | 86.2388% | 2,519 |
| Equity capital to assets | 10.5976% | 3,256 |
| Core capital (leverage) ratio | 10.4342% | 3,012 |
| Tier 1 risk-based capital ratio | 13.5485% | 3,982 |
| Total risk-based capital ratio | 14.6973% | 3,973 |
| Memoranda: | ||
| Average total assets | $167,487,400 | 3,343 |
| Average earning assets | $162,014,400 | 3,228 |
| Average equity | $17,295,400 | 3,490 |
| Average total loans | $120,633,400 | 3,041 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 2,939 |
| Cost of funding earning assets | 0.5714% | 1,616 |
| Net interest margin | 3.5276% | 3,439 |
| Noninterest income to average assets | 0.4226% | 3,921 |
| Noninterest expense to average assets | 2.1339% | 5,208 |
| Loan and lease loss provision to assets | 0.2437% | 718 |
| Net operating income to assets | 1.4628% | 987 |
| Return on assets (ROA) | 1.4436% | 1,065 |
| Pretax return on assets | 1.4436% | 1,851 |
| Return on Equity (ROE) | 14.0739% | 885 |
| Retained earnings to average equity (ytd only) | 7.2511% | 1,571 |
| Net charge-offs to loans | 0.0386% | 3,120 |
| Credit loss provision to net charge-offs | 897.0588% | 406 |
| Earnings coverage of net charge-offs (x) | 62.8266% | 887 |
| Efficiency ratio | 55.5648% | 5,404 |
| Assets per employee ($millions) | 11.1438% | 189 |
| Cash dividends to net income (ytd only)* | 48.4782% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 2,569 |
| Loan loss allowance to noncurrent loans | 420.7729% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 4,835 |
| Noncurrent loans to loans | 0.3342% | 4,413 |
| Net loans and leases to total assets | 68.5036% | 2,603 |
| Net loans and leases to deposits | 78.7048% | 3,017 |
| Net loans and leases to core deposits | 81.9360% | 3,260 |
| Total domestic deposits to total assets | 87.0387% | 2,023 |
| Equity capital to assets | 9.9512% | 4,222 |
| Core capital (leverage) ratio | 10.0504% | 3,557 |
| Tier 1 risk-based capital ratio | 14.1723% | 3,747 |
| Total risk-based capital ratio | 15.4238% | 3,680 |
| Memoranda: | ||
| Average total assets | $166,892,000 | 3,387 |
| Average earning assets | $161,691,000 | 3,259 |
| Average equity | $17,118,750 | 3,539 |
| Average total loans | $117,402,250 | 3,112 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1821% | 2,610 |
| Cost of funding earning assets | 0.6005% | 1,413 |
| Net interest margin | 3.5816% | 3,160 |
| Noninterest income to average assets | 0.4317% | 3,840 |
| Noninterest expense to average assets | 2.1007% | 5,340 |
| Loan and lease loss provision to assets | 0.3740% | 340 |
| Net operating income to assets | 1.4238% | 1,047 |
| Return on assets (ROA) | 1.3943% | 1,137 |
| Pretax return on assets | 1.3943% | 2,007 |
| Return on Equity (ROE) | 13.4471% | 1,028 |
| Retained earnings to average equity (ytd only) | 6.6822% | 1,857 |
| Net charge-offs to loans | -0.0017% | 4,579 |
| Credit loss provision to net charge-offs | -30,500.0000% | 5,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8849% | 5,599 |
| Assets per employee ($millions) | 12.3411% | 137 |
| Cash dividends to net income (ytd only)* | 50.3078% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 2,517 |
| Loan loss allowance to noncurrent loans | 94.6219% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 2,489 |
| Noncurrent loans to loans | 1.5308% | 1,729 |
| Net loans and leases to total assets | 65.3126% | 3,078 |
| Net loans and leases to deposits | 74.2914% | 3,458 |
| Net loans and leases to core deposits | 77.5782% | 3,620 |
| Total domestic deposits to total assets | 87.9141% | 1,694 |
| Equity capital to assets | 9.2175% | 4,996 |
| Core capital (leverage) ratio | 10.2873% | 3,233 |
| Tier 1 risk-based capital ratio | 14.1104% | 3,859 |
| Total risk-based capital ratio | 15.3624% | 3,790 |
| Memoranda: | ||
| Average total assets | $163,089,330 | 3,452 |
| Average earning assets | $157,862,670 | 3,336 |
| Average equity | $16,910,670 | 3,579 |
| Average total loans | $115,241,670 | 3,166 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 1,991 |
| Cost of funding earning assets | 0.6453% | 1,149 |
| Net interest margin | 3.6869% | 2,667 |
| Noninterest income to average assets | 0.2683% | 5,031 |
| Noninterest expense to average assets | 2.1226% | 5,332 |
| Loan and lease loss provision to assets | 0.2499% | 665 |
| Net operating income to assets | 1.4572% | 927 |
| Return on assets (ROA) | 1.3940% | 1,094 |
| Pretax return on assets | 1.3940% | 1,904 |
| Return on Equity (ROE) | 12.5932% | 1,196 |
| Retained earnings to average equity (ytd only) | 5.2986% | 2,887 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4258% | 5,561 |
| Assets per employee ($millions) | 10.8850% | 205 |
| Cash dividends to net income (ytd only)* | 57.9245% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 3,172 |
| Loan loss allowance to noncurrent loans | 260.1329% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 4,448 |
| Noncurrent loans to loans | 0.5166% | 4,027 |
| Net loans and leases to total assets | 75.4406% | 1,287 |
| Net loans and leases to deposits | 88.4182% | 1,572 |
| Net loans and leases to core deposits | 93.7846% | 1,787 |
| Total domestic deposits to total assets | 85.3225% | 3,258 |
| Equity capital to assets | 11.2416% | 2,707 |
| Core capital (leverage) ratio | 11.3656% | 2,107 |
| Tier 1 risk-based capital ratio | 14.5408% | 3,698 |
| Total risk-based capital ratio | 15.7916% | 3,626 |
| Memoranda: | ||
| Average total assets | $152,076,000 | 3,622 |
| Average earning assets | $146,899,500 | 3,522 |
| Average equity | $16,834,500 | 3,613 |
| Average total loans | $111,522,000 | 3,235 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 1,676 |
| Cost of funding earning assets | 0.8126% | 613 |
| Net interest margin | 3.7440% | 2,832 |
| Noninterest income to average assets | 0.3673% | 4,449 |
| Noninterest expense to average assets | 2.2502% | 5,238 |
| Loan and lease loss provision to assets | 0.0771% | 2,934 |
| Net operating income to assets | 1.6382% | 655 |
| Return on assets (ROA) | 1.5941% | 748 |
| Pretax return on assets | 1.5941% | 1,254 |
| Return on Equity (ROE) | 14.8949% | 796 |
| Retained earnings to average equity (ytd only) | 7.8928% | 1,056 |
| Net charge-offs to loans | 0.1112% | 2,924 |
| Credit loss provision to net charge-offs | 97.3451% | 2,494 |
| Earnings coverage of net charge-offs (x) | 21.6549% | 1,667 |
| Efficiency ratio | 56.7439% | 5,592 |
| Assets per employee ($millions) | 10.1175% | 243 |
| Cash dividends to net income (ytd only)* | 47.0097% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 3,039 |
| Loan loss allowance to noncurrent loans | 342.0930% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 4,906 |
| Noncurrent loans to loans | 0.4037% | 4,427 |
| Net loans and leases to total assets | 69.2156% | 2,358 |
| Net loans and leases to deposits | 80.8988% | 2,611 |
| Net loans and leases to core deposits | 85.8061% | 2,710 |
| Total domestic deposits to total assets | 85.5583% | 3,049 |
| Equity capital to assets | 10.8973% | 3,015 |
| Core capital (leverage) ratio | 11.2919% | 2,142 |
| Tier 1 risk-based capital ratio | 16.1631% | 2,880 |
| Total risk-based capital ratio | 17.4153% | 2,824 |
| Memoranda: | ||
| Average total assets | $142,655,400 | 3,747 |
| Average earning assets | $137,098,000 | 3,643 |
| Average equity | $15,267,000 | 3,785 |
| Average total loans | $101,607,800 | 3,386 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 1,463 |
| Cost of funding earning assets | 0.8392% | 559 |
| Net interest margin | 3.7993% | 2,626 |
| Noninterest income to average assets | 0.3875% | 4,333 |
| Noninterest expense to average assets | 2.3004% | 5,102 |
| Loan and lease loss provision to assets | 0.1045% | 2,295 |
| Net operating income to assets | 1.6289% | 698 |
| Return on assets (ROA) | 1.5757% | 825 |
| Pretax return on assets | 1.5757% | 1,403 |
| Return on Equity (ROE) | 14.7963% | 862 |
| Retained earnings to average equity (ytd only) | 7.8932% | 1,414 |
| Net charge-offs to loans | 0.0013% | 4,666 |
| Credit loss provision to net charge-offs | 11,000.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 1,829.5263% | 25 |
| Efficiency ratio | 57.0285% | 5,553 |
| Assets per employee ($millions) | 10.2824% | 219 |
| Cash dividends to net income (ytd only)* | 46.6545% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 2,668 |
| Loan loss allowance to noncurrent loans | 279.1887% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8232% | 3,360 |
| Noncurrent loans to loans | 0.5403% | 4,312 |
| Net loans and leases to total assets | 71.7936% | 1,883 |
| Net loans and leases to deposits | 80.9812% | 2,551 |
| Net loans and leases to core deposits | 89.1716% | 2,303 |
| Total domestic deposits to total assets | 88.6546% | 1,420 |
| Equity capital to assets | 11.0307% | 2,925 |
| Core capital (leverage) ratio | 11.6373% | 1,951 |
| Tier 1 risk-based capital ratio | 16.1144% | 3,007 |
| Total risk-based capital ratio | 17.3673% | 2,953 |
| Memoranda: | ||
| Average total assets | $140,378,750 | 3,821 |
| Average earning assets | $134,722,000 | 3,713 |
| Average equity | $14,949,250 | 3,868 |
| Average total loans | $100,381,250 | 3,441 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6097% | 1,508 |
| Cost of funding earning assets | 0.8596% | 530 |
| Net interest margin | 3.7500% | 2,759 |
| Noninterest income to average assets | 0.3664% | 4,505 |
| Noninterest expense to average assets | 2.3120% | 5,124 |
| Loan and lease loss provision to assets | 0.1006% | 2,342 |
| Net operating income to assets | 1.5519% | 790 |
| Return on assets (ROA) | 1.5476% | 831 |
| Pretax return on assets | 1.5476% | 1,400 |
| Return on Equity (ROE) | 14.7138% | 837 |
| Retained earnings to average equity (ytd only) | 8.3747% | 1,183 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3182% | 5,517 |
| Assets per employee ($millions) | 10.7603% | 189 |
| Cash dividends to net income (ytd only)* | 43.0826% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 2,709 |
| Loan loss allowance to noncurrent loans | 214.4444% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.9565% | 3,148 |
| Noncurrent loans to loans | 0.7191% | 3,903 |
| Net loans and leases to total assets | 70.4720% | 2,006 |
| Net loans and leases to deposits | 79.3795% | 2,600 |
| Net loans and leases to core deposits | 85.0083% | 2,612 |
| Total domestic deposits to total assets | 88.7786% | 1,489 |
| Equity capital to assets | 10.9741% | 2,901 |
| Core capital (leverage) ratio | 11.5890% | 1,933 |
| Tier 1 risk-based capital ratio | 16.6372% | 2,766 |
| Total risk-based capital ratio | 17.8914% | 2,732 |
| Memoranda: | ||
| Average total assets | $139,187,330 | 3,862 |
| Average earning assets | $133,545,670 | 3,750 |
| Average equity | $14,639,330 | 3,922 |
| Average total loans | $98,864,330 | 3,479 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5260% | 1,715 |
| Cost of funding earning assets | 0.8764% | 515 |
| Net interest margin | 3.6497% | 3,061 |
| Noninterest income to average assets | 0.2737% | 5,186 |
| Noninterest expense to average assets | 2.2559% | 5,316 |
| Loan and lease loss provision to assets | 0.2017% | 1,155 |
| Net operating income to assets | 1.3195% | 1,165 |
| Return on assets (ROA) | 1.3195% | 1,211 |
| Pretax return on assets | 1.3195% | 2,029 |
| Return on Equity (ROE) | 12.8260% | 1,204 |
| Retained earnings to average equity (ytd only) | 6.1330% | 2,464 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7254% | 5,436 |
| Assets per employee ($millions) | 10.3712% | 212 |
| Cash dividends to net income (ytd only)* | 52.1834% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 2,792 |
| Loan loss allowance to noncurrent loans | 303.9370% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 3,785 |
| Noncurrent loans to loans | 0.5200% | 4,615 |
| Net loans and leases to total assets | 66.2176% | 2,534 |
| Net loans and leases to deposits | 73.7780% | 3,100 |
| Net loans and leases to core deposits | 78.8936% | 3,103 |
| Total domestic deposits to total assets | 89.7525% | 1,207 |
| Equity capital to assets | 10.0298% | 3,806 |
| Core capital (leverage) ratio | 11.4859% | 1,974 |
| Tier 1 risk-based capital ratio | 16.6613% | 2,829 |
| Total risk-based capital ratio | 17.9160% | 2,792 |
| Memoranda: | ||
| Average total assets | $138,839,000 | 3,897 |
| Average earning assets | $133,273,000 | 3,776 |
| Average equity | $14,283,500 | 3,990 |
| Average total loans | $98,235,000 | 3,509 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0212% | 881 |
| Cost of funding earning assets | 0.8304% | 1,035 |
| Net interest margin | 4.1908% | 1,377 |
| Noninterest income to average assets | 0.3114% | 5,112 |
| Noninterest expense to average assets | 2.5418% | 4,640 |
| Loan and lease loss provision to assets | 0.3278% | 990 |
| Net operating income to assets | 1.4338% | 956 |
| Return on assets (ROA) | 1.5884% | 727 |
| Pretax return on assets | 1.5884% | 1,199 |
| Return on Equity (ROE) | 15.4689% | 689 |
| Retained earnings to average equity (ytd only) | 6.7108% | 1,570 |
| Net charge-offs to loans | 0.0862% | 4,004 |
| Credit loss provision to net charge-offs | 534.8837% | 439 |
| Earnings coverage of net charge-offs (x) | 28.7442% | 1,228 |
| Efficiency ratio | 59.0661% | 5,596 |
| Assets per employee ($millions) | 8.8321% | 350 |
| Cash dividends to net income (ytd only)* | 56.6173% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 3,233 |
| Loan loss allowance to noncurrent loans | 333.4842% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.8084% | 3,862 |
| Noncurrent loans to loans | 0.4475% | 4,881 |
| Net loans and leases to total assets | 73.4490% | 1,446 |
| Net loans and leases to deposits | 82.4816% | 2,135 |
| Net loans and leases to core deposits | 88.3147% | 2,209 |
| Total domestic deposits to total assets | 89.0490% | 1,587 |
| Equity capital to assets | 10.5706% | 3,077 |
| Core capital (leverage) ratio | 11.6321% | 1,870 |
| Tier 1 risk-based capital ratio | 16.5959% | 2,798 |
| Total risk-based capital ratio | 17.8494% | 2,765 |
| Memoranda: | ||
| Average total assets | $140,331,200 | 3,867 |
| Average earning assets | $133,672,200 | 3,761 |
| Average equity | $14,409,600 | 3,987 |
| Average total loans | $99,741,400 | 3,452 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0442% | 860 |
| Cost of funding earning assets | 0.8116% | 1,266 |
| Net interest margin | 4.2325% | 1,239 |
| Noninterest income to average assets | 0.3795% | 4,678 |
| Noninterest expense to average assets | 2.6124% | 4,350 |
| Loan and lease loss provision to assets | 0.3748% | 828 |
| Net operating income to assets | 1.4186% | 1,058 |
| Return on assets (ROA) | 1.6220% | 759 |
| Pretax return on assets | 1.6220% | 1,291 |
| Return on Equity (ROE) | 15.9048% | 660 |
| Retained earnings to average equity (ytd only) | 7.0198% | 1,863 |
| Net charge-offs to loans | 0.2240% | 2,466 |
| Credit loss provision to net charge-offs | 238.0952% | 1,026 |
| Earnings coverage of net charge-offs (x) | 11.3931% | 2,252 |
| Efficiency ratio | 59.2939% | 5,524 |
| Assets per employee ($millions) | 9.7189% | 247 |
| Cash dividends to net income (ytd only)* | 55.8637% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 4,412 |
| Loan loss allowance to noncurrent loans | 108.0292% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.9858% | 2,035 |
| Noncurrent loans to loans | 1.1998% | 3,421 |
| Net loans and leases to total assets | 74.5502% | 1,206 |
| Net loans and leases to deposits | 86.1094% | 1,603 |
| Net loans and leases to core deposits | 90.8794% | 1,883 |
| Total domestic deposits to total assets | 86.5762% | 2,922 |
| Equity capital to assets | 10.2334% | 3,594 |
| Core capital (leverage) ratio | 11.9687% | 1,694 |
| Tier 1 risk-based capital ratio | 15.9172% | 3,245 |
| Total risk-based capital ratio | 17.1687% | 3,190 |
| Memoranda: | ||
| Average total assets | $142,293,750 | 3,885 |
| Average earning assets | $135,360,500 | 3,773 |
| Average equity | $14,511,000 | 4,012 |
| Average total loans | $99,981,750 | 3,474 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9748% | 947 |
| Cost of funding earning assets | 0.7981% | 1,424 |
| Net interest margin | 4.1767% | 1,341 |
| Noninterest income to average assets | 0.2466% | 5,682 |
| Noninterest expense to average assets | 2.5933% | 4,412 |
| Loan and lease loss provision to assets | 0.3810% | 840 |
| Net operating income to assets | 1.2454% | 1,474 |
| Return on assets (ROA) | 1.5460% | 894 |
| Pretax return on assets | 1.5460% | 1,495 |
| Return on Equity (ROE) | 15.1768% | 779 |
| Retained earnings to average equity (ytd only) | 4.9909% | 3,062 |
| Net charge-offs to loans | 0.3392% | 1,828 |
| Credit loss provision to net charge-offs | 163.6905% | 1,435 |
| Earnings coverage of net charge-offs (x) | 6.9881% | 2,615 |
| Efficiency ratio | 61.4576% | 5,250 |
| Assets per employee ($millions) | 9.0250% | 301 |
| Cash dividends to net income (ytd only)* | 67.1147% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 5,014 |
| Loan loss allowance to noncurrent loans | 133.2230% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 1.8364% | 2,363 |
| Noncurrent loans to loans | 0.8983% | 4,133 |
| Net loans and leases to total assets | 73.6103% | 1,313 |
| Net loans and leases to deposits | 89.5384% | 1,186 |
| Net loans and leases to core deposits | 93.3315% | 1,586 |
| Total domestic deposits to total assets | 82.2109% | 4,976 |
| Equity capital to assets | 10.3091% | 3,534 |
| Core capital (leverage) ratio | 10.9622% | 2,394 |
| Tier 1 risk-based capital ratio | 15.6069% | 3,425 |
| Total risk-based capital ratio | 16.8362% | 3,385 |
| Memoranda: | ||
| Average total assets | $144,370,330 | 3,864 |
| Average earning assets | $137,331,670 | 3,770 |
| Average equity | $14,706,670 | 4,006 |
| Average total loans | $99,053,000 | 3,515 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8734% | 1,146 |
| Cost of funding earning assets | 0.7897% | 1,588 |
| Net interest margin | 4.0837% | 1,506 |
| Noninterest income to average assets | 0.1935% | 6,092 |
| Noninterest expense to average assets | 2.4989% | 4,759 |
| Loan and lease loss provision to assets | 0.3359% | 998 |
| Net operating income to assets | 1.2494% | 1,401 |
| Return on assets (ROA) | 1.7814% | 544 |
| Pretax return on assets | 1.7814% | 917 |
| Return on Equity (ROE) | 17.5839% | 466 |
| Retained earnings to average equity (ytd only) | 6.1530% | 2,597 |
| Net charge-offs to loans | 0.2282% | 2,079 |
| Credit loss provision to net charge-offs | 223.2143% | 1,007 |
| Earnings coverage of net charge-offs (x) | 10.5357% | 1,731 |
| Efficiency ratio | 61.1842% | 5,425 |
| Assets per employee ($millions) | 8.8759% | 329 |
| Cash dividends to net income (ytd only)* | 65.0075% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 5,309 |
| Loan loss allowance to noncurrent loans | 115.0591% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.8280% | 2,573 |
| Noncurrent loans to loans | 1.0193% | 4,097 |
| Net loans and leases to total assets | 69.3622% | 1,769 |
| Net loans and leases to deposits | 79.5407% | 2,144 |
| Net loans and leases to core deposits | 82.7118% | 2,484 |
| Total domestic deposits to total assets | 87.2034% | 2,833 |
| Equity capital to assets | 10.5680% | 3,464 |
| Core capital (leverage) ratio | 10.1123% | 3,263 |
| Tier 1 risk-based capital ratio | 15.3402% | 3,628 |
| Total risk-based capital ratio | 16.5278% | 3,623 |
| Memoranda: | ||
| Average total assets | $148,868,000 | 3,834 |
| Average earning assets | $141,831,000 | 3,734 |
| Average equity | $15,082,000 | 3,984 |
| Average total loans | $98,151,000 | 3,557 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 1,877 |
| Cost of funding earning assets | 1.0718% | 1,015 |
| Net interest margin | 3.8170% | 3,153 |
| Noninterest income to average assets | 0.1260% | 6,405 |
| Noninterest expense to average assets | 2.6783% | 4,478 |
| Loan and lease loss provision to assets | 0.1212% | 4,099 |
| Net operating income to assets | 0.8989% | 2,823 |
| Return on assets (ROA) | 0.9935% | 2,589 |
| Pretax return on assets | 0.9935% | 3,567 |
| Return on Equity (ROE) | 9.9191% | 2,206 |
| Retained earnings to average equity (ytd only) | 4.9901% | 2,714 |
| Net charge-offs to loans | 0.0850% | 4,832 |
| Credit loss provision to net charge-offs | 228.2051% | 1,082 |
| Earnings coverage of net charge-offs (x) | 19.2051% | 1,398 |
| Efficiency ratio | 72.4176% | 3,338 |
| Assets per employee ($millions) | 10.3815% | 208 |
| Cash dividends to net income (ytd only)* | 49.6916% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 5,390 |
| Loan loss allowance to noncurrent loans | 108.0550% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.6684% | 2,894 |
| Noncurrent loans to loans | 1.0535% | 4,100 |
| Net loans and leases to total assets | 61.3459% | 3,365 |
| Net loans and leases to deposits | 71.5348% | 3,492 |
| Net loans and leases to core deposits | 74.0943% | 3,772 |
| Total domestic deposits to total assets | 85.7567% | 3,480 |
| Equity capital to assets | 9.7327% | 4,554 |
| Core capital (leverage) ratio | 9.7635% | 3,708 |
| Tier 1 risk-based capital ratio | 14.8542% | 3,800 |
| Total risk-based capital ratio | 15.9532% | 3,848 |
| Memoranda: | ||
| Average total assets | $146,849,600 | 3,831 |
| Average earning assets | $137,437,000 | 3,767 |
| Average equity | $14,709,000 | 4,025 |
| Average total loans | $91,800,600 | 3,701 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 1,831 |
| Cost of funding earning assets | 1.1403% | 897 |
| Net interest margin | 3.8100% | 3,297 |
| Noninterest income to average assets | 0.2157% | 5,996 |
| Noninterest expense to average assets | 2.6955% | 4,386 |
| Loan and lease loss provision to assets | 0.1475% | 3,691 |
| Net operating income to assets | 0.9209% | 2,875 |
| Return on assets (ROA) | 1.0638% | 2,451 |
| Pretax return on assets | 1.0638% | 3,484 |
| Return on Equity (ROE) | 10.5405% | 2,119 |
| Retained earnings to average equity (ytd only) | 3.9185% | 4,128 |
| Net charge-offs to loans | 0.1133% | 4,252 |
| Credit loss provision to net charge-offs | 207.7922% | 1,330 |
| Earnings coverage of net charge-offs (x) | 15.0525% | 1,795 |
| Efficiency ratio | 71.6140% | 3,397 |
| Assets per employee ($millions) | 10.2260% | 218 |
| Cash dividends to net income (ytd only)* | 62.8247% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 5,598 |
| Loan loss allowance to noncurrent loans | 96.7828% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 2.0940% | 2,543 |
| Noncurrent loans to loans | 1.1663% | 4,119 |
| Net loans and leases to total assets | 61.8411% | 3,410 |
| Net loans and leases to deposits | 73.4223% | 3,380 |
| Net loans and leases to core deposits | 77.6792% | 3,504 |
| Total domestic deposits to total assets | 84.2265% | 4,119 |
| Equity capital to assets | 9.8892% | 4,655 |
| Core capital (leverage) ratio | 9.6919% | 3,972 |
| Tier 1 risk-based capital ratio | 15.2266% | 3,690 |
| Total risk-based capital ratio | 16.3589% | 3,721 |
| Memoranda: | ||
| Average total assets | $144,631,500 | 3,909 |
| Average earning assets | $134,696,000 | 3,856 |
| Average equity | $14,597,250 | 4,077 |
| Average total loans | $90,593,500 | 3,773 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8887% | 2,156 |
| Cost of funding earning assets | 1.2150% | 770 |
| Net interest margin | 3.6737% | 3,949 |
| Noninterest income to average assets | 0.2427% | 5,837 |
| Noninterest expense to average assets | 2.6053% | 4,762 |
| Loan and lease loss provision to assets | 0.1510% | 3,639 |
| Net operating income to assets | 0.9004% | 2,905 |
| Return on assets (ROA) | 1.0585% | 2,442 |
| Pretax return on assets | 1.0585% | 3,471 |
| Return on Equity (ROE) | 10.4118% | 2,210 |
| Retained earnings to average equity (ytd only) | 2.8737% | 4,713 |
| Net charge-offs to loans | 0.1464% | 3,745 |
| Credit loss provision to net charge-offs | 164.6154% | 1,693 |
| Earnings coverage of net charge-offs (x) | 11.4615% | 1,958 |
| Efficiency ratio | 71.2466% | 3,560 |
| Assets per employee ($millions) | 9.4452% | 277 |
| Cash dividends to net income (ytd only)* | 72.4000% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 5,534 |
| Loan loss allowance to noncurrent loans | 102.3576% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 2.0778% | 2,691 |
| Noncurrent loans to loans | 1.1318% | 4,264 |
| Net loans and leases to total assets | 58.8263% | 4,017 |
| Net loans and leases to deposits | 65.3801% | 4,589 |
| Net loans and leases to core deposits | 69.0416% | 4,665 |
| Total domestic deposits to total assets | 89.9757% | 939 |
| Equity capital to assets | 9.7609% | 4,686 |
| Core capital (leverage) ratio | 10.0408% | 3,364 |
| Tier 1 risk-based capital ratio | 13.5372% | 4,794 |
| Total risk-based capital ratio | 14.5208% | 4,953 |
| Memoranda: | ||
| Average total assets | $141,712,000 | 3,975 |
| Average earning assets | $131,691,330 | 3,929 |
| Average equity | $14,406,670 | 4,109 |
| Average total loans | $88,811,000 | 3,835 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0473% | 1,731 |
| Cost of funding earning assets | 1.2736% | 705 |
| Net interest margin | 3.7737% | 3,500 |
| Noninterest income to average assets | 0.2015% | 6,183 |
| Noninterest expense to average assets | 2.6247% | 4,729 |
| Loan and lease loss provision to assets | 0.0876% | 4,279 |
| Net operating income to assets | 1.0014% | 2,476 |
| Return on assets (ROA) | 1.0715% | 2,386 |
| Pretax return on assets | 1.0715% | 3,426 |
| Return on Equity (ROE) | 10.3130% | 2,297 |
| Retained earnings to average equity (ytd only) | 1.3769% | 5,550 |
| Net charge-offs to loans | 0.1133% | 3,443 |
| Credit loss provision to net charge-offs | 120.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 14.9200% | 1,447 |
| Efficiency ratio | 70.6761% | 3,682 |
| Assets per employee ($millions) | 10.0141% | 236 |
| Cash dividends to net income (ytd only)* | 86.6485% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 5,798 |
| Loan loss allowance to noncurrent loans | 60.8354% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 2.6848% | 2,196 |
| Noncurrent loans to loans | 1.8600% | 3,329 |
| Net loans and leases to total assets | 62.6343% | 3,137 |
| Net loans and leases to deposits | 72.0662% | 3,428 |
| Net loans and leases to core deposits | 78.3539% | 3,280 |
| Total domestic deposits to total assets | 86.9121% | 3,006 |
| Equity capital to assets | 10.2198% | 3,826 |
| Core capital (leverage) ratio | 10.3712% | 2,908 |
| Tier 1 risk-based capital ratio | 14.9028% | 3,822 |
| Total risk-based capital ratio | 15.9588% | 3,908 |
| Memoranda: | ||
| Average total assets | $137,006,500 | 4,091 |
| Average earning assets | $127,513,500 | 4,030 |
| Average equity | $14,234,500 | 4,153 |
| Average total loans | $88,245,500 | 3,878 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4501% | 1,295 |
| Cost of funding earning assets | 1.3914% | 1,079 |
| Net interest margin | 4.0588% | 2,603 |
| Noninterest income to average assets | 0.2315% | 5,882 |
| Noninterest expense to average assets | 3.2616% | 2,648 |
| Loan and lease loss provision to assets | 0.0980% | 5,367 |
| Net operating income to assets | 0.6471% | 3,750 |
| Return on assets (ROA) | 0.9140% | 2,665 |
| Pretax return on assets | 0.9140% | 3,563 |
| Return on Equity (ROE) | 9.5295% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.5295% | 668 |
| Net charge-offs to loans | 0.3236% | 3,773 |
| Credit loss provision to net charge-offs | 42.3358% | 5,588 |
| Earnings coverage of net charge-offs (x) | 3.2190% | 3,607 |
| Efficiency ratio | 81.4042% | 2,099 |
| Assets per employee ($millions) | 9.5582% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 5,665 |
| Loan loss allowance to noncurrent loans | 103.9501% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 2.2688% | 2,654 |
| Noncurrent loans to loans | 1.0972% | 4,516 |
| Net loans and leases to total assets | 64.7715% | 3,030 |
| Net loans and leases to deposits | 72.7253% | 3,705 |
| Net loans and leases to core deposits | 80.5633% | 3,379 |
| Total domestic deposits to total assets | 89.0633% | 1,497 |
| Equity capital to assets | 10.5676% | 3,453 |
| Core capital (leverage) ratio | 10.4457% | 2,795 |
| Tier 1 risk-based capital ratio | 16.2240% | 2,946 |
| Total risk-based capital ratio | 17.3718% | 2,945 |
| Memoranda: | ||
| Average total assets | $118,376,800 | 4,447 |
| Average earning assets | $110,107,200 | 4,392 |
| Average equity | $11,354,200 | 4,696 |
| Average total loans | $84,675,800 | 4,009 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5351% | 1,171 |
| Cost of funding earning assets | 1.3857% | 1,293 |
| Net interest margin | 4.1495% | 2,281 |
| Noninterest income to average assets | 0.2387% | 5,920 |
| Noninterest expense to average assets | 3.0842% | 3,221 |
| Loan and lease loss provision to assets | 0.0664% | 5,625 |
| Net operating income to assets | 0.9442% | 2,553 |
| Return on assets (ROA) | 1.2935% | 1,490 |
| Pretax return on assets | 1.2935% | 2,307 |
| Return on Equity (ROE) | 13.8991% | 1,055 |
| Retained earnings to average equity (ytd only) | 13.8991% | 298 |
| Net charge-offs to loans | 0.1589% | 4,508 |
| Credit loss provision to net charge-offs | 57.0000% | 4,873 |
| Earnings coverage of net charge-offs (x) | 8.6800% | 2,140 |
| Efficiency ratio | 75.3199% | 2,958 |
| Assets per employee ($millions) | 9.6303% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 5,015 |
| Loan loss allowance to noncurrent loans | 75.8503% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 2.1532% | 2,971 |
| Noncurrent loans to loans | 1.7140% | 3,741 |
| Net loans and leases to total assets | 62.7863% | 3,548 |
| Net loans and leases to deposits | 70.4574% | 4,230 |
| Net loans and leases to core deposits | 75.6366% | 4,236 |
| Total domestic deposits to total assets | 89.1125% | 1,362 |
| Equity capital to assets | 10.6272% | 3,541 |
| Core capital (leverage) ratio | 12.2689% | 1,547 |
| Tier 1 risk-based capital ratio | 15.5456% | 3,362 |
| Total risk-based capital ratio | 16.7695% | 3,341 |
| Memoranda: | ||
| Average total assets | $114,517,250 | 4,567 |
| Average earning assets | $106,420,250 | 4,518 |
| Average equity | $10,657,500 | 4,879 |
| Average total loans | $83,926,250 | 4,061 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7935% | 725 |
| Cost of funding earning assets | 1.4740% | 1,093 |
| Net interest margin | 4.3196% | 1,599 |
| Noninterest income to average assets | 0.2933% | 5,534 |
| Noninterest expense to average assets | 3.1629% | 3,037 |
| Loan and lease loss provision to assets | 0.0780% | 5,338 |
| Net operating income to assets | 1.0506% | 2,038 |
| Return on assets (ROA) | 1.0506% | 2,132 |
| Pretax return on assets | 1.0506% | 3,039 |
| Return on Equity (ROE) | 11.9992% | 1,493 |
| Retained earnings to average equity (ytd only) | 11.9992% | 519 |
| Net charge-offs to loans | 0.2401% | 3,689 |
| Credit loss provision to net charge-offs | 42.0000% | 4,776 |
| Earnings coverage of net charge-offs (x) | 6.0800% | 2,476 |
| Efficiency ratio | 73.7024% | 3,415 |
| Assets per employee ($millions) | 8.0021% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 5,110 |
| Loan loss allowance to noncurrent loans | 74.7283% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 2.5681% | 2,601 |
| Noncurrent loans to loans | 1.7256% | 3,848 |
| Net loans and leases to total assets | 75.1602% | 1,210 |
| Net loans and leases to deposits | 82.7351% | 2,328 |
| Net loans and leases to core deposits | 93.4986% | 1,962 |
| Total domestic deposits to total assets | 90.8444% | 566 |
| Equity capital to assets | 8.9262% | 5,683 |
| Core capital (leverage) ratio | 8.9391% | 4,824 |
| Tier 1 risk-based capital ratio | 10.8762% | 6,617 |
| Total risk-based capital ratio | 12.0486% | 6,637 |
| Memoranda: | ||
| Average total assets | $107,748,330 | 4,764 |
| Average earning assets | $99,731,670 | 4,713 |
| Average equity | $9,434,000 | 5,204 |
| Average total loans | $83,313,000 | 4,117 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8858% | 615 |
| Cost of funding earning assets | 1.5411% | 1,017 |
| Net interest margin | 4.3447% | 1,433 |
| Noninterest income to average assets | 0.2386% | 5,999 |
| Noninterest expense to average assets | 3.1589% | 3,031 |
| Loan and lease loss provision to assets | 0.1629% | 3,999 |
| Net operating income to assets | 0.9318% | 2,437 |
| Return on assets (ROA) | 0.9318% | 2,500 |
| Pretax return on assets | 0.9318% | 3,396 |
| Return on Equity (ROE) | 10.7529% | 1,818 |
| Retained earnings to average equity (ytd only) | 10.7529% | 945 |
| Net charge-offs to loans | 0.4908% | 2,248 |
| Credit loss provision to net charge-offs | 42.5743% | 3,896 |
| Earnings coverage of net charge-offs (x) | 2.8614% | 2,940 |
| Efficiency ratio | 74.2654% | 3,470 |
| Assets per employee ($millions) | 7.7210% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 5,080 |
| Loan loss allowance to noncurrent loans | 55.4715% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 2.3128% | 2,932 |
| Noncurrent loans to loans | 2.3618% | 3,125 |
| Net loans and leases to total assets | 76.6574% | 934 |
| Net loans and leases to deposits | 83.9832% | 2,036 |
| Net loans and leases to core deposits | 100.6254% | 1,286 |
| Total domestic deposits to total assets | 91.2770% | 496 |
| Equity capital to assets | 8.5453% | 5,843 |
| Core capital (leverage) ratio | 8.6669% | 5,147 |
| Tier 1 risk-based capital ratio | 10.4307% | 6,844 |
| Total risk-based capital ratio | 11.6656% | 6,841 |
| Memoranda: | ||
| Average total assets | $105,607,500 | 4,846 |
| Average earning assets | $97,591,000 | 4,798 |
| Average equity | $9,151,000 | 5,272 |
| Average total loans | $82,318,500 | 4,186 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2066% | 553 |
| Cost of funding earning assets | 1.7439% | 1,400 |
| Net interest margin | 4.4627% | 1,315 |
| Noninterest income to average assets | 0.2934% | 5,681 |
| Noninterest expense to average assets | 3.6404% | 1,822 |
| Loan and lease loss provision to assets | 0.2700% | 4,646 |
| Net operating income to assets | 0.4173% | 4,474 |
| Return on assets (ROA) | 0.4173% | 4,603 |
| Pretax return on assets | 0.4173% | 4,892 |
| Return on Equity (ROE) | 4.4479% | 4,322 |
| Retained earnings to average equity (ytd only) | 4.4479% | 2,748 |
| Net charge-offs to loans | 0.0200% | 6,615 |
| Credit loss provision to net charge-offs | 1,613.3333% | 141 |
| Earnings coverage of net charge-offs (x) | 41.0667% | 565 |
| Efficiency ratio | 84.1196% | 1,904 |
| Assets per employee ($millions) | 7.3658% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 4,348 |
| Loan loss allowance to noncurrent loans | 981.3559% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.6158% | 5,784 |
| Noncurrent loans to loans | 0.1463% | 6,782 |
| Net loans and leases to total assets | 77.1104% | 1,072 |
| Net loans and leases to deposits | 84.8109% | 2,322 |
| Net loans and leases to core deposits | 97.3459% | 1,861 |
| Total domestic deposits to total assets | 90.9204% | 636 |
| Equity capital to assets | 8.7906% | 5,446 |
| Core capital (leverage) ratio | 9.1668% | 4,230 |
| Tier 1 risk-based capital ratio | 10.9392% | 6,373 |
| Total risk-based capital ratio | 12.1500% | 6,387 |
| Memoranda: | ||
| Average total assets | $89,633,000 | 5,300 |
| Average earning assets | $81,026,400 | 5,305 |
| Average equity | $8,408,400 | 5,582 |
| Average total loans | $75,045,000 | 4,481 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3870% | 428 |
| Cost of funding earning assets | 1.8216% | 1,336 |
| Net interest margin | 4.5653% | 1,118 |
| Noninterest income to average assets | 0.3122% | 5,655 |
| Noninterest expense to average assets | 3.5952% | 1,807 |
| Loan and lease loss provision to assets | 0.2241% | 4,817 |
| Net operating income to assets | 0.5873% | 3,929 |
| Return on assets (ROA) | 0.5873% | 4,096 |
| Pretax return on assets | 0.5873% | 4,639 |
| Return on Equity (ROE) | 6.1455% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.1455% | 2,287 |
| Net charge-offs to loans | 0.0290% | 6,272 |
| Credit loss provision to net charge-offs | 906.2500% | 323 |
| Earnings coverage of net charge-offs (x) | 32.8167% | 817 |
| Efficiency ratio | 81.5854% | 2,113 |
| Assets per employee ($millions) | 7.2728% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 4,630 |
| Loan loss allowance to noncurrent loans | 217.6591% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 1.0968% | 4,918 |
| Noncurrent loans to loans | 0.6290% | 5,945 |
| Net loans and leases to total assets | 80.7704% | 640 |
| Net loans and leases to deposits | 89.6272% | 1,770 |
| Net loans and leases to core deposits | 128.8160% | 400 |
| Total domestic deposits to total assets | 90.1181% | 821 |
| Equity capital to assets | 9.5952% | 4,706 |
| Core capital (leverage) ratio | 10.5282% | 2,657 |
| Tier 1 risk-based capital ratio | 11.2578% | 6,136 |
| Total risk-based capital ratio | 12.5042% | 6,131 |
| Memoranda: | ||
| Average total assets | $86,261,000 | 5,466 |
| Average earning assets | $77,364,000 | 5,503 |
| Average equity | $8,244,250 | 5,717 |
| Average total loans | $73,637,500 | 4,616 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5172% | 333 |
| Cost of funding earning assets | 1.8969% | 1,251 |
| Net interest margin | 4.6202% | 954 |
| Noninterest income to average assets | 0.3281% | 5,531 |
| Noninterest expense to average assets | 3.6336% | 1,697 |
| Loan and lease loss provision to assets | 0.2778% | 4,177 |
| Net operating income to assets | 0.5413% | 4,134 |
| Return on assets (ROA) | 0.5413% | 4,283 |
| Pretax return on assets | 0.5413% | 4,772 |
| Return on Equity (ROE) | 5.6725% | 3,960 |
| Retained earnings to average equity (ytd only) | 5.6725% | 2,512 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6030% | 2,222 |
| Assets per employee ($millions) | 6.3638% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 4,547 |
| Loan loss allowance to noncurrent loans | 26,175.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.6696% | 5,807 |
| Noncurrent loans to loans | 0.0053% | 7,325 |
| Net loans and leases to total assets | 90.6503% | 50 |
| Net loans and leases to deposits | 103.9561% | 485 |
| Net loans and leases to core deposits | 158.9989% | 168 |
| Total domestic deposits to total assets | 87.2005% | 2,431 |
| Equity capital to assets | 10.0544% | 3,946 |
| Core capital (leverage) ratio | 9.7723% | 3,445 |
| Tier 1 risk-based capital ratio | 10.9589% | 6,282 |
| Total risk-based capital ratio | 12.2112% | 6,270 |
| Memoranda: | ||
| Average total assets | $83,499,000 | 5,580 |
| Average earning assets | $74,541,670 | 5,625 |
| Average equity | $7,968,330 | 5,817 |
| Average total loans | $72,374,670 | 4,698 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4017% | 433 |
| Cost of funding earning assets | 1.8753% | 1,552 |
| Net interest margin | 4.5265% | 1,087 |
| Noninterest income to average assets | 0.3195% | 5,592 |
| Noninterest expense to average assets | 3.4715% | 2,055 |
| Loan and lease loss provision to assets | 0.3195% | 3,503 |
| Net operating income to assets | 0.5341% | 4,213 |
| Return on assets (ROA) | 0.5341% | 4,351 |
| Pretax return on assets | 0.5341% | 4,838 |
| Return on Equity (ROE) | 5.7484% | 3,992 |
| Retained earnings to average equity (ytd only) | 5.7484% | 2,743 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2646% | 2,526 |
| Assets per employee ($millions) | 5.6545% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 4,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1672% | 4,842 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 84.8155% | 306 |
| Net loans and leases to deposits | 93.7108% | 1,380 |
| Net loans and leases to core deposits | 134.0102% | 407 |
| Total domestic deposits to total assets | 90.5078% | 734 |
| Equity capital to assets | 9.2552% | 4,907 |
| Core capital (leverage) ratio | 9.3948% | 3,914 |
| Tier 1 risk-based capital ratio | 10.2583% | 6,834 |
| Total risk-based capital ratio | 11.5091% | 6,835 |
| Memoranda: | ||
| Average total assets | $83,883,500 | 5,638 |
| Average earning assets | $74,230,000 | 5,698 |
| Average equity | $7,793,500 | 5,913 |
| Average total loans | $70,541,000 | 4,831 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7975% | 382 |
| Cost of funding earning assets | 2.2961% | 1,676 |
| Net interest margin | 4.5014% | 1,178 |
| Noninterest income to average assets | 0.6479% | 3,311 |
| Noninterest expense to average assets | 3.8314% | 1,632 |
| Loan and lease loss provision to assets | 0.7644% | 2,819 |
| Net operating income to assets | 0.1288% | 5,118 |
| Return on assets (ROA) | 0.1425% | 5,143 |
| Pretax return on assets | 0.1425% | 5,129 |
| Return on Equity (ROE) | 1.4241% | 5,114 |
| Retained earnings to average equity (ytd only) | 1.4241% | 4,069 |
| Net charge-offs to loans | 0.3399% | 4,527 |
| Credit loss provision to net charge-offs | 265.7143% | 1,320 |
| Earnings coverage of net charge-offs (x) | 3.1048% | 3,510 |
| Efficiency ratio | 81.0960% | 2,734 |
| Assets per employee ($millions) | 5.9250% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 4,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1935% | 4,715 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 81.0307% | 835 |
| Net loans and leases to deposits | 89.6200% | 2,277 |
| Net loans and leases to core deposits | 151.8057% | 469 |
| Total domestic deposits to total assets | 90.4159% | 773 |
| Equity capital to assets | 9.3273% | 4,670 |
| Core capital (leverage) ratio | 9.6187% | 3,567 |
| Tier 1 risk-based capital ratio | 10.8128% | 6,102 |
| Total risk-based capital ratio | 12.0635% | 6,071 |
| Memoranda: | ||
| Average total assets | $73,002,800 | 5,915 |
| Average earning assets | $66,113,000 | 5,929 |
| Average equity | $7,303,000 | 6,171 |
| Average total loans | $61,786,200 | 5,180 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0090% | 297 |
| Cost of funding earning assets | 2.4489% | 1,451 |
| Net interest margin | 4.5601% | 1,057 |
| Noninterest income to average assets | 0.6807% | 3,153 |
| Noninterest expense to average assets | 3.7154% | 1,782 |
| Loan and lease loss provision to assets | 0.5975% | 3,000 |
| Net operating income to assets | 0.5294% | 3,862 |
| Return on assets (ROA) | 0.5502% | 3,878 |
| Pretax return on assets | 0.5502% | 4,357 |
| Return on Equity (ROE) | 5.3929% | 3,792 |
| Retained earnings to average equity (ytd only) | 5.3929% | 2,258 |
| Net charge-offs to loans | 0.3832% | 3,729 |
| Credit loss provision to net charge-offs | 182.6590% | 2,497 |
| Earnings coverage of net charge-offs (x) | 3.4451% | 3,528 |
| Efficiency ratio | 76.7278% | 3,374 |
| Assets per employee ($millions) | 5.5124% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 5,700 |
| Loan loss allowance to noncurrent loans | 45.5172% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 2.0668% | 3,257 |
| Noncurrent loans to loans | 2.4253% | 3,106 |
| Net loans and leases to total assets | 84.2758% | 507 |
| Net loans and leases to deposits | 94.3237% | 1,826 |
| Net loans and leases to core deposits | 188.2297% | 145 |
| Total domestic deposits to total assets | 89.3474% | 1,041 |
| Equity capital to assets | 10.3649% | 3,660 |
| Core capital (leverage) ratio | 10.5639% | 2,748 |
| Tier 1 risk-based capital ratio | 11.3739% | 5,566 |
| Total risk-based capital ratio | 12.4182% | 5,736 |
| Memoranda: | ||
| Average total assets | $70,516,000 | 6,023 |
| Average earning assets | $64,353,750 | 6,022 |
| Average equity | $7,194,500 | 6,258 |
| Average total loans | $60,196,250 | 5,277 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9714% | 334 |
| Cost of funding earning assets | 2.6742% | 1,097 |
| Net interest margin | 4.2972% | 1,665 |
| Noninterest income to average assets | 0.2255% | 6,678 |
| Noninterest expense to average assets | 3.6341% | 1,985 |
| Loan and lease loss provision to assets | 0.3426% | 3,880 |
| Net operating income to assets | 0.1874% | 5,312 |
| Return on assets (ROA) | 0.1874% | 5,389 |
| Pretax return on assets | 0.1874% | 5,501 |
| Return on Equity (ROE) | 1.8480% | 5,357 |
| Retained earnings to average equity (ytd only) | 1.8480% | 4,316 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2714% | 2,098 |
| Assets per employee ($millions) | 6.3221% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 5,591 |
| Loan loss allowance to noncurrent loans | 156.9507% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 5,949 |
| Noncurrent loans to loans | 0.7012% | 5,845 |
| Net loans and leases to total assets | 82.9170% | 798 |
| Net loans and leases to deposits | 92.2997% | 2,411 |
| Net loans and leases to core deposits | 203.8003% | 111 |
| Total domestic deposits to total assets | 89.8346% | 898 |
| Equity capital to assets | 9.9071% | 4,072 |
| Core capital (leverage) ratio | 10.4972% | 2,814 |
| Tier 1 risk-based capital ratio | 10.8379% | 6,045 |
| Total risk-based capital ratio | 11.8322% | 6,249 |
| Memoranda: | ||
| Average total assets | $68,296,670 | 6,142 |
| Average earning assets | $62,598,670 | 6,125 |
| Average equity | $6,926,330 | 6,393 |
| Average total loans | $58,340,000 | 5,410 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8625% | 434 |
| Cost of funding earning assets | 2.7237% | 1,194 |
| Net interest margin | 4.1387% | 2,132 |
| Noninterest income to average assets | 0.1798% | 7,009 |
| Noninterest expense to average assets | 3.4660% | 2,180 |
| Loan and lease loss provision to assets | 0.3720% | 3,094 |
| Net operating income to assets | 0.2046% | 5,645 |
| Return on assets (ROA) | 0.2046% | 5,810 |
| Pretax return on assets | 0.2046% | 5,927 |
| Return on Equity (ROE) | 1.9905% | 5,778 |
| Retained earnings to average equity (ytd only) | 1.9905% | 4,752 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7362% | 2,104 |
| Assets per employee ($millions) | 7.2331% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 5,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 79.9519% | 1,400 |
| Net loans and leases to deposits | 88.0213% | 3,287 |
| Net loans and leases to core deposits | 232.9600% | 83 |
| Total domestic deposits to total assets | 90.8324% | 468 |
| Equity capital to assets | 8.9201% | 5,452 |
| Core capital (leverage) ratio | 10.2548% | 3,150 |
| Tier 1 risk-based capital ratio | 10.6037% | 6,289 |
| Total risk-based capital ratio | 11.6001% | 6,459 |
| Memoranda: | ||
| Average total assets | $64,512,500 | 6,312 |
| Average earning assets | $60,211,500 | 6,253 |
| Average equity | $6,631,500 | 6,535 |
| Average total loans | $55,707,500 | 5,554 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1957% | 753 |
| Cost of funding earning assets | 2.4651% | 4,391 |
| Net interest margin | 4.7306% | 910 |
| Noninterest income to average assets | 0.2262% | 6,821 |
| Noninterest expense to average assets | 5.6133% | 475 |
| Loan and lease loss provision to assets | 0.8547% | 1,743 |
| Net operating income to assets | -1.7119% | 7,532 |
| Return on assets (ROA) | -1.7119% | 7,485 |
| Pretax return on assets | -1.7119% | 7,344 |
| Return on Equity (ROE) | -10.1132% | 7,288 |
| Retained earnings to average equity (ytd only) | -10.1132% | 7,080 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.0233% | 595 |
| Assets per employee ($millions) | 5.6694% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 5,278 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 92.3537% | 72 |
| Net loans and leases to deposits | 110.5040% | 804 |
| Net loans and leases to core deposits | 187.9159% | 225 |
| Total domestic deposits to total assets | 83.5750% | 3,542 |
| Equity capital to assets | 12.0136% | 2,284 |
| Core capital (leverage) ratio | 11.0480% | 2,555 |
| Tier 1 risk-based capital ratio | 12.4705% | 4,460 |
| Total risk-based capital ratio | 13.5379% | 4,478 |
| Memoranda: | ||
| Average total assets | $39,780,600 | 7,221 |
| Average earning assets | $38,092,400 | 7,129 |
| Average equity | $6,733,800 | 6,555 |
| Average total loans | $37,474,200 | 6,291 |