Home > United Orient Bank > Performance and Condition Ratios
United Orient 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 | 7.1129% | 204 |
| Cost of funding earning assets | 1.6178% | 1,642 |
| Net interest margin | 5.4951% | 187 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 4.5683% | 277 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4548% | 3,758 |
| Return on assets (ROA) | 0.4548% | 3,757 |
| Pretax return on assets | 0.6106% | 3,612 |
| Return on Equity (ROE) | 3.5700% | 3,947 |
| Retained earnings to average equity (ytd only) | 3.5725% | 3,098 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.2099% | 480 |
| Assets per employee ($millions) | 3.6386% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 1,636 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 81.4900% | 477 |
| Net loans and leases to deposits | 131.6446% | 42 |
| Net loans and leases to core deposits | 145.4491% | 232 |
| Total domestic deposits to total assets | 61.9000% | 4,423 |
| Equity capital to assets | 13.6002% | 749 |
| Core capital (leverage) ratio | 13.1870% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $102,686,400 | 3,809 |
| Average earning assets | $92,409,600 | 3,816 |
| Average equity | $13,072,200 | 3,418 |
| Average total loans | $86,155,800 | 3,347 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0506% | 190 |
| Cost of funding earning assets | 1.4870% | 1,647 |
| Net interest margin | 5.5635% | 170 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 4.5164% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5408% | 3,680 |
| Return on assets (ROA) | 0.5408% | 3,665 |
| Pretax return on assets | 0.7270% | 3,493 |
| Return on Equity (ROE) | 4.3200% | 3,934 |
| Retained earnings to average equity (ytd only) | 4.3178% | 3,178 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.1342% | 513 |
| Assets per employee ($millions) | 3.7495% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 1,862 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 81.0700% | 528 |
| Net loans and leases to deposits | 130.4433% | 41 |
| Net loans and leases to core deposits | 143.5460% | 185 |
| Total domestic deposits to total assets | 62.1500% | 4,444 |
| Equity capital to assets | 13.0971% | 792 |
| Core capital (leverage) ratio | 13.2688% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $103,797,750 | 3,808 |
| Average earning assets | $93,607,250 | 3,822 |
| Average equity | $13,000,000 | 3,420 |
| Average total loans | $87,409,000 | 3,329 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6125% | 235 |
| Cost of funding earning assets | 1.3051% | 1,696 |
| Net interest margin | 5.3074% | 210 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 4.5064% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3727% | 4,047 |
| Return on assets (ROA) | 0.3727% | 4,065 |
| Pretax return on assets | 0.5026% | 3,962 |
| Return on Equity (ROE) | 3.0200% | 4,151 |
| Retained earnings to average equity (ytd only) | 3.0201% | 3,475 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.9657% | 355 |
| Assets per employee ($millions) | 3.5766% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,053 |
| Loan loss allowance to noncurrent loans | 84.4653% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.2791% | 307 |
| Noncurrent loans to loans | 1.5058% | 439 |
| Net loans and leases to total assets | 83.8600% | 282 |
| Net loans and leases to deposits | 131.4227% | 49 |
| Net loans and leases to core deposits | 143.0979% | 190 |
| Total domestic deposits to total assets | 63.8100% | 4,457 |
| Equity capital to assets | 12.9960% | 813 |
| Core capital (leverage) ratio | 12.5779% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $104,651,667 | 3,816 |
| Average earning assets | $94,396,333 | 3,830 |
| Average equity | $12,913,667 | 3,444 |
| Average total loans | $88,827,667 | 3,310 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3618% | 210 |
| Cost of funding earning assets | 1.1514% | 1,590 |
| Net interest margin | 5.2104% | 220 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 4.4339% | 284 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3330% | 4,199 |
| Return on assets (ROA) | 0.3330% | 4,157 |
| Pretax return on assets | 0.4415% | 4,067 |
| Return on Equity (ROE) | 2.7700% | 4,213 |
| Retained earnings to average equity (ytd only) | 2.7676% | 3,558 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.9440% | 328 |
| Assets per employee ($millions) | 3.8554% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 2,589 |
| Loan loss allowance to noncurrent loans | 84.4653% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.1866% | 309 |
| Noncurrent loans to loans | 1.4128% | 465 |
| Net loans and leases to total assets | 82.9900% | 296 |
| Net loans and leases to deposits | 126.7931% | 51 |
| Net loans and leases to core deposits | 134.1418% | 237 |
| Total domestic deposits to total assets | 65.4600% | 4,492 |
| Equity capital to assets | 11.9748% | 1,006 |
| Core capital (leverage) ratio | 12.1905% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $106,904,500 | 3,848 |
| Average earning assets | $96,577,000 | 3,854 |
| Average equity | $12,863,000 | 3,489 |
| Average total loans | $90,707,000 | 3,321 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3432% | 186 |
| Cost of funding earning assets | 0.4476% | 1,739 |
| Net interest margin | 4.8956% | 154 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 4.5607% | 255 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.0156% | 4,553 |
| Return on assets (ROA) | 0.0156% | 4,540 |
| Pretax return on assets | 0.0409% | 4,524 |
| Return on Equity (ROE) | 0.1300% | 4,537 |
| Retained earnings to average equity (ytd only) | 0.1251% | 4,322 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 97.9690% | 172 |
| Assets per employee ($millions) | 3.6502% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,429 |
| Loan loss allowance to noncurrent loans | 83.2948% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.2271% | 307 |
| Noncurrent loans to loans | 1.4316% | 464 |
| Net loans and leases to total assets | 84.7000% | 215 |
| Net loans and leases to deposits | 127.2431% | 47 |
| Net loans and leases to core deposits | 131.1652% | 214 |
| Total domestic deposits to total assets | 66.5600% | 4,523 |
| Equity capital to assets | 12.0908% | 904 |
| Core capital (leverage) ratio | 12.0558% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $102,593,000 | 3,904 |
| Average earning assets | $93,615,000 | 3,900 |
| Average equity | $12,793,600 | 3,591 |
| Average total loans | $83,614,400 | 3,362 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1132% | 181 |
| Cost of funding earning assets | 0.3248% | 1,917 |
| Net interest margin | 4.7884% | 150 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 4.5890% | 245 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | -0.0904% | 4,622 |
| Return on assets (ROA) | -0.0904% | 4,600 |
| Pretax return on assets | -0.0721% | 4,589 |
| Return on Equity (ROE) | -0.7200% | 4,579 |
| Retained earnings to average equity (ytd only) | -0.7192% | 4,406 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 100.2863% | 155 |
| Assets per employee ($millions) | 3.6097% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,415 |
| Loan loss allowance to noncurrent loans | 79.4663% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.2887% | 293 |
| Noncurrent loans to loans | 1.5371% | 448 |
| Net loans and leases to total assets | 82.8100% | 329 |
| Net loans and leases to deposits | 113.8037% | 83 |
| Net loans and leases to core deposits | 119.1058% | 274 |
| Total domestic deposits to total assets | 72.7700% | 4,489 |
| Equity capital to assets | 12.1331% | 855 |
| Core capital (leverage) ratio | 12.4084% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $101,777,000 | 3,934 |
| Average earning assets | $93,194,750 | 3,931 |
| Average equity | $12,792,250 | 3,632 |
| Average total loans | $81,833,000 | 3,399 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 187 |
| Cost of funding earning assets | 0.3056% | 1,674 |
| Net interest margin | 4.6339% | 160 |
| Noninterest income to average assets | 0.1924% | 4,037 |
| Noninterest expense to average assets | 4.7119% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.2539% | 4,646 |
| Return on assets (ROA) | -0.2539% | 4,621 |
| Pretax return on assets | -0.2480% | 4,607 |
| Return on Equity (ROE) | -1.9965% | 4,616 |
| Retained earnings to average equity (ytd only) | -1.9965% | 4,385 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5556% | 136 |
| Assets per employee ($millions) | 3.6213% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 2,483 |
| Loan loss allowance to noncurrent loans | 77.6853% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.2588% | 327 |
| Noncurrent loans to loans | 1.5929% | 456 |
| Net loans and leases to total assets | 78.0506% | 548 |
| Net loans and leases to deposits | 97.2787% | 376 |
| Net loans and leases to core deposits | 101.8565% | 599 |
| Total domestic deposits to total assets | 80.2341% | 4,206 |
| Equity capital to assets | 12.1045% | 841 |
| Core capital (leverage) ratio | 12.4015% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,809,000 | 3,979 |
| Average earning assets | $92,923,000 | 3,980 |
| Average equity | $12,822,667 | 3,699 |
| Average total loans | $79,856,667 | 3,458 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8238% | 192 |
| Cost of funding earning assets | 0.3265% | 1,403 |
| Net interest margin | 4.4973% | 170 |
| Noninterest income to average assets | 0.1824% | 4,068 |
| Noninterest expense to average assets | 4.7577% | 186 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.4053% | 4,689 |
| Return on assets (ROA) | -0.4053% | 4,675 |
| Pretax return on assets | -0.3890% | 4,661 |
| Return on Equity (ROE) | -3.1061% | 4,662 |
| Retained earnings to average equity (ytd only) | -3.1061% | 4,320 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9054% | 140 |
| Assets per employee ($millions) | 3.5346% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,464 |
| Loan loss allowance to noncurrent loans | 77.5680% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.2917% | 319 |
| Noncurrent loans to loans | 1.6466% | 482 |
| Net loans and leases to total assets | 77.4434% | 419 |
| Net loans and leases to deposits | 97.5017% | 246 |
| Net loans and leases to core deposits | 106.2792% | 345 |
| Total domestic deposits to total assets | 79.4277% | 4,320 |
| Equity capital to assets | 12.4593% | 822 |
| Core capital (leverage) ratio | 12.7480% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,704,000 | 4,017 |
| Average earning assets | $91,878,000 | 4,005 |
| Average equity | $12,878,000 | 3,770 |
| Average total loans | $78,287,500 | 3,484 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8575% | 327 |
| Cost of funding earning assets | 0.3819% | 1,670 |
| Net interest margin | 4.4757% | 290 |
| Noninterest income to average assets | 0.2081% | 4,120 |
| Noninterest expense to average assets | 5.2121% | 164 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.5890% | 4,770 |
| Return on assets (ROA) | -0.5890% | 4,774 |
| Pretax return on assets | -0.7068% | 4,779 |
| Return on Equity (ROE) | -4.0431% | 4,764 |
| Retained earnings to average equity (ytd only) | -4.0431% | 4,683 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.6891% | 75 |
| Assets per employee ($millions) | 2.9658% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,146 |
| Loan loss allowance to noncurrent loans | 76.8713% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.4077% | 313 |
| Noncurrent loans to loans | 1.7540% | 487 |
| Net loans and leases to total assets | 79.1731% | 312 |
| Net loans and leases to deposits | 92.8457% | 421 |
| Net loans and leases to core deposits | 100.9105% | 496 |
| Total domestic deposits to total assets | 85.2738% | 3,180 |
| Equity capital to assets | 13.6820% | 728 |
| Core capital (leverage) ratio | 13.7929% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,827,200 | 4,087 |
| Average earning assets | $87,205,200 | 4,050 |
| Average equity | $13,232,400 | 3,807 |
| Average total loans | $73,362,800 | 3,594 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8682% | 368 |
| Cost of funding earning assets | 0.3934% | 1,752 |
| Net interest margin | 4.4748% | 327 |
| Noninterest income to average assets | 0.2093% | 4,150 |
| Noninterest expense to average assets | 5.2318% | 160 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.7735% | 4,849 |
| Return on assets (ROA) | -0.7735% | 4,852 |
| Pretax return on assets | -0.7334% | 4,846 |
| Return on Equity (ROE) | -5.2252% | 4,848 |
| Retained earnings to average equity (ytd only) | -5.2252% | 4,786 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3036% | 83 |
| Assets per employee ($millions) | 2.7543% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 2,063 |
| Loan loss allowance to noncurrent loans | 76.8138% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.4277% | 361 |
| Noncurrent loans to loans | 1.8109% | 529 |
| Net loans and leases to total assets | 77.7457% | 417 |
| Net loans and leases to deposits | 91.7702% | 507 |
| Net loans and leases to core deposits | 98.2007% | 654 |
| Total domestic deposits to total assets | 84.7178% | 3,211 |
| Equity capital to assets | 13.9110% | 756 |
| Core capital (leverage) ratio | 13.8922% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,807,500 | 4,152 |
| Average earning assets | $86,080,250 | 4,108 |
| Average equity | $13,294,250 | 3,855 |
| Average total loans | $72,661,750 | 3,656 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9163% | 391 |
| Cost of funding earning assets | 0.4111% | 1,794 |
| Net interest margin | 4.5053% | 348 |
| Noninterest income to average assets | 0.2011% | 4,197 |
| Noninterest expense to average assets | 5.3045% | 160 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.8269% | 4,893 |
| Return on assets (ROA) | -0.8269% | 4,895 |
| Pretax return on assets | -0.7952% | 4,887 |
| Return on Equity (ROE) | -5.4695% | 4,881 |
| Retained earnings to average equity (ytd only) | -5.4695% | 4,794 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6353% | 80 |
| Assets per employee ($millions) | 2.6908% | 4,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 1,994 |
| Loan loss allowance to noncurrent loans | 75.9615% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 1.4778% | 392 |
| Noncurrent loans to loans | 1.8368% | 559 |
| Net loans and leases to total assets | 79.3356% | 354 |
| Net loans and leases to deposits | 94.4930% | 438 |
| Net loans and leases to core deposits | 101.5076% | 606 |
| Total domestic deposits to total assets | 83.9593% | 3,456 |
| Equity capital to assets | 14.4241% | 634 |
| Core capital (leverage) ratio | 14.1538% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,528,333 | 4,191 |
| Average earning assets | $84,656,667 | 4,145 |
| Average equity | $13,383,333 | 3,855 |
| Average total loans | $72,271,667 | 3,684 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0443% | 330 |
| Cost of funding earning assets | 0.4139% | 1,984 |
| Net interest margin | 4.6304% | 302 |
| Noninterest income to average assets | 0.2022% | 4,173 |
| Noninterest expense to average assets | 5.3854% | 151 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.7858% | 4,915 |
| Return on assets (ROA) | -0.7858% | 4,914 |
| Pretax return on assets | -0.7628% | 4,911 |
| Return on Equity (ROE) | -5.0753% | 4,902 |
| Retained earnings to average equity (ytd only) | -5.0753% | 4,704 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5010% | 83 |
| Assets per employee ($millions) | 2.6960% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 1,825 |
| Loan loss allowance to noncurrent loans | 75.6817% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.5253% | 410 |
| Noncurrent loans to loans | 1.8957% | 589 |
| Net loans and leases to total assets | 79.3069% | 379 |
| Net loans and leases to deposits | 95.6536% | 418 |
| Net loans and leases to core deposits | 103.0526% | 600 |
| Total domestic deposits to total assets | 82.9105% | 3,704 |
| Equity capital to assets | 15.0516% | 487 |
| Core capital (leverage) ratio | 15.4502% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,049,500 | 4,224 |
| Average earning assets | $83,103,000 | 4,177 |
| Average equity | $13,477,000 | 3,846 |
| Average total loans | $71,603,500 | 3,707 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4251% | 209 |
| Cost of funding earning assets | 0.4276% | 3,418 |
| Net interest margin | 4.9975% | 126 |
| Noninterest income to average assets | 0.2176% | 4,190 |
| Noninterest expense to average assets | 5.5195% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.3329% | 4,845 |
| Return on assets (ROA) | -0.3329% | 4,862 |
| Pretax return on assets | -0.5397% | 4,883 |
| Return on Equity (ROE) | -2.0215% | 4,848 |
| Retained earnings to average equity (ytd only) | -2.0215% | 4,707 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8376% | 116 |
| Assets per employee ($millions) | 2.5798% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4339% | 1,837 |
| Loan loss allowance to noncurrent loans | 75.2933% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.6022% | 436 |
| Noncurrent loans to loans | 1.9044% | 625 |
| Net loans and leases to total assets | 82.9253% | 234 |
| Net loans and leases to deposits | 101.5215% | 320 |
| Net loans and leases to core deposits | 109.3410% | 531 |
| Total domestic deposits to total assets | 81.6826% | 3,732 |
| Equity capital to assets | 15.9317% | 433 |
| Core capital (leverage) ratio | 15.8791% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,196,600 | 4,206 |
| Average earning assets | $79,279,200 | 4,167 |
| Average equity | $13,702,400 | 3,795 |
| Average total loans | $67,252,400 | 3,792 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5359% | 213 |
| Cost of funding earning assets | 0.4264% | 3,661 |
| Net interest margin | 5.1095% | 116 |
| Noninterest income to average assets | 0.2257% | 4,141 |
| Noninterest expense to average assets | 5.5113% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.4610% | 4,893 |
| Return on assets (ROA) | -0.4610% | 4,898 |
| Pretax return on assets | -0.4175% | 4,884 |
| Return on Equity (ROE) | -2.7758% | 4,877 |
| Retained earnings to average equity (ytd only) | -2.7758% | 4,761 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1962% | 119 |
| Assets per employee ($millions) | 2.5379% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 1,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 79.9026% | 626 |
| Net loans and leases to deposits | 98.6221% | 590 |
| Net loans and leases to core deposits | 105.1243% | 878 |
| Total domestic deposits to total assets | 81.0190% | 3,660 |
| Equity capital to assets | 16.1835% | 450 |
| Core capital (leverage) ratio | 16.2535% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,712,750 | 4,219 |
| Average earning assets | $78,805,500 | 4,183 |
| Average equity | $13,737,250 | 3,793 |
| Average total loans | $66,159,750 | 3,825 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6975% | 233 |
| Cost of funding earning assets | 0.4171% | 3,960 |
| Net interest margin | 5.2804% | 119 |
| Noninterest income to average assets | 0.2282% | 4,118 |
| Noninterest expense to average assets | 5.5144% | 158 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.2865% | 4,873 |
| Return on assets (ROA) | -0.2865% | 4,875 |
| Pretax return on assets | -0.2452% | 4,859 |
| Return on Equity (ROE) | -1.7104% | 4,866 |
| Retained earnings to average equity (ytd only) | -1.7104% | 4,558 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6544% | 140 |
| Assets per employee ($millions) | 2.5632% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 1,039 |
| Loan loss allowance to noncurrent loans | 1,092.5532% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 3,972 |
| Noncurrent loans to loans | 0.1452% | 3,875 |
| Net loans and leases to total assets | 75.3204% | 1,225 |
| Net loans and leases to deposits | 93.1759% | 1,030 |
| Net loans and leases to core deposits | 99.2074% | 1,313 |
| Total domestic deposits to total assets | 80.8368% | 3,645 |
| Equity capital to assets | 16.2253% | 443 |
| Core capital (leverage) ratio | 16.7689% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,366,333 | 4,224 |
| Average earning assets | $78,630,333 | 4,188 |
| Average equity | $13,798,333 | 3,790 |
| Average total loans | $65,564,000 | 3,841 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0187% | 161 |
| Cost of funding earning assets | 0.4153% | 4,308 |
| Net interest margin | 5.6034% | 75 |
| Noninterest income to average assets | 0.2412% | 4,115 |
| Noninterest expense to average assets | 5.6561% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0640% | 4,782 |
| Return on assets (ROA) | -0.0640% | 4,770 |
| Pretax return on assets | -0.0345% | 4,749 |
| Return on Equity (ROE) | -0.3758% | 4,764 |
| Retained earnings to average equity (ytd only) | -0.3758% | 4,051 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6130% | 227 |
| Assets per employee ($millions) | 2.3414% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5830% | 1,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 80.2065% | 673 |
| Net loans and leases to deposits | 97.6643% | 759 |
| Net loans and leases to core deposits | 102.5406% | 1,279 |
| Total domestic deposits to total assets | 82.1247% | 3,383 |
| Equity capital to assets | 17.3754% | 400 |
| Core capital (leverage) ratio | 16.9896% | 416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,257,500 | 4,252 |
| Average earning assets | $78,023,500 | 4,204 |
| Average equity | $13,835,500 | 3,793 |
| Average total loans | $65,978,000 | 3,848 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3318% | 136 |
| Cost of funding earning assets | 0.4895% | 4,134 |
| Net interest margin | 5.8423% | 73 |
| Noninterest income to average assets | 0.2366% | 4,260 |
| Noninterest expense to average assets | 5.1659% | 192 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5372% | 4,318 |
| Return on assets (ROA) | 0.5372% | 4,369 |
| Pretax return on assets | 0.6903% | 4,225 |
| Return on Equity (ROE) | 3.4494% | 4,586 |
| Retained earnings to average equity (ytd only) | 3.4494% | 3,278 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2123% | 426 |
| Assets per employee ($millions) | 2.4385% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 1,140 |
| Loan loss allowance to noncurrent loans | 102,700.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,692 |
| Noncurrent loans to loans | 0.0015% | 4,608 |
| Net loans and leases to total assets | 79.6690% | 829 |
| Net loans and leases to deposits | 96.2422% | 916 |
| Net loans and leases to core deposits | 100.4822% | 1,522 |
| Total domestic deposits to total assets | 82.7797% | 3,277 |
| Equity capital to assets | 16.6920% | 505 |
| Core capital (leverage) ratio | 16.4646% | 466 |
| Tier 1 risk-based capital ratio | 22.7048% | 941 |
| Total risk-based capital ratio | 23.9615% | 928 |
| Memoranda: | ||
| Average total assets | $87,496,400 | 4,176 |
| Average earning assets | $84,162,000 | 4,121 |
| Average equity | $13,625,600 | 3,804 |
| Average total loans | $74,185,200 | 3,700 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3818% | 131 |
| Cost of funding earning assets | 0.5042% | 4,124 |
| Net interest margin | 5.8776% | 71 |
| Noninterest income to average assets | 0.2376% | 4,313 |
| Noninterest expense to average assets | 5.1005% | 200 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5956% | 4,306 |
| Return on assets (ROA) | 0.5956% | 4,359 |
| Pretax return on assets | 0.8002% | 4,117 |
| Return on Equity (ROE) | 3.8902% | 4,612 |
| Retained earnings to average equity (ytd only) | 3.8902% | 3,458 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4389% | 477 |
| Assets per employee ($millions) | 2.6147% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,322 |
| Loan loss allowance to noncurrent loans | 450.4386% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 3,499 |
| Noncurrent loans to loans | 0.3271% | 3,361 |
| Net loans and leases to total assets | 79.5923% | 902 |
| Net loans and leases to deposits | 102.4159% | 482 |
| Net loans and leases to core deposits | 108.6215% | 1,013 |
| Total domestic deposits to total assets | 77.7148% | 4,406 |
| Equity capital to assets | 15.9493% | 640 |
| Core capital (leverage) ratio | 15.8720% | 577 |
| Tier 1 risk-based capital ratio | 21.7542% | 1,102 |
| Total risk-based capital ratio | 23.0107% | 1,072 |
| Memoranda: | ||
| Average total assets | $88,643,500 | 4,220 |
| Average earning assets | $85,407,500 | 4,156 |
| Average equity | $13,572,250 | 3,847 |
| Average total loans | $75,961,750 | 3,707 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4458% | 120 |
| Cost of funding earning assets | 0.4992% | 4,117 |
| Net interest margin | 5.9465% | 70 |
| Noninterest income to average assets | 0.2482% | 4,262 |
| Noninterest expense to average assets | 5.0140% | 219 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6978% | 4,009 |
| Return on assets (ROA) | 0.6978% | 4,073 |
| Pretax return on assets | 0.9617% | 3,674 |
| Return on Equity (ROE) | 4.6191% | 4,439 |
| Retained earnings to average equity (ytd only) | 4.6191% | 2,967 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9072% | 658 |
| Assets per employee ($millions) | 2.6262% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 1,835 |
| Loan loss allowance to noncurrent loans | 442.6724% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 3,488 |
| Noncurrent loans to loans | 0.3035% | 3,459 |
| Net loans and leases to total assets | 87.0119% | 154 |
| Net loans and leases to deposits | 111.5817% | 185 |
| Net loans and leases to core deposits | 118.6295% | 586 |
| Total domestic deposits to total assets | 77.9805% | 4,401 |
| Equity capital to assets | 15.7805% | 657 |
| Core capital (leverage) ratio | 15.1812% | 674 |
| Tier 1 risk-based capital ratio | 19.9420% | 1,359 |
| Total risk-based capital ratio | 21.1970% | 1,333 |
| Memoranda: | ||
| Average total assets | $89,429,330 | 4,233 |
| Average earning assets | $86,134,000 | 4,173 |
| Average equity | $13,509,000 | 3,861 |
| Average total loans | $78,047,670 | 3,692 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3368% | 135 |
| Cost of funding earning assets | 0.4998% | 4,061 |
| Net interest margin | 5.8370% | 81 |
| Noninterest income to average assets | 0.2379% | 4,306 |
| Noninterest expense to average assets | 4.9377% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6475% | 4,104 |
| Return on assets (ROA) | 0.6475% | 4,137 |
| Pretax return on assets | 0.9074% | 3,745 |
| Return on Equity (ROE) | 4.3797% | 4,501 |
| Retained earnings to average equity (ytd only) | 4.3797% | 3,177 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4763% | 673 |
| Assets per employee ($millions) | 2.5833% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 2,033 |
| Loan loss allowance to noncurrent loans | 435.1695% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 3,571 |
| Noncurrent loans to loans | 0.3017% | 3,480 |
| Net loans and leases to total assets | 85.3820% | 245 |
| Net loans and leases to deposits | 108.1022% | 268 |
| Net loans and leases to core deposits | 115.1038% | 681 |
| Total domestic deposits to total assets | 78.9827% | 4,353 |
| Equity capital to assets | 14.9343% | 766 |
| Core capital (leverage) ratio | 14.9694% | 700 |
| Tier 1 risk-based capital ratio | 19.2473% | 1,493 |
| Total risk-based capital ratio | 20.5018% | 1,465 |
| Memoranda: | ||
| Average total assets | $90,812,000 | 4,250 |
| Average earning assets | $87,236,500 | 4,197 |
| Average equity | $13,425,500 | 3,883 |
| Average total loans | $78,854,000 | 3,719 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1602% | 135 |
| Cost of funding earning assets | 0.4988% | 3,369 |
| Net interest margin | 5.6614% | 94 |
| Noninterest income to average assets | 0.1815% | 4,821 |
| Noninterest expense to average assets | 4.6469% | 264 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7650% | 3,927 |
| Return on assets (ROA) | 0.7650% | 3,929 |
| Pretax return on assets | 0.9961% | 3,617 |
| Return on Equity (ROE) | 5.5873% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.5873% | 2,425 |
| Net charge-offs to loans | -0.0419% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3485% | 767 |
| Assets per employee ($millions) | 2.6826% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,084 |
| Loan loss allowance to noncurrent loans | 11,411.1111% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 4,855 |
| Noncurrent loans to loans | 0.0113% | 4,755 |
| Net loans and leases to total assets | 86.0177% | 234 |
| Net loans and leases to deposits | 108.3513% | 294 |
| Net loans and leases to core deposits | 115.2411% | 723 |
| Total domestic deposits to total assets | 79.3878% | 4,239 |
| Equity capital to assets | 14.6347% | 799 |
| Core capital (leverage) ratio | 14.5579% | 784 |
| Tier 1 risk-based capital ratio | 18.6736% | 1,577 |
| Total risk-based capital ratio | 19.9279% | 1,536 |
| Memoranda: | ||
| Average total assets | $94,773,800 | 4,189 |
| Average earning assets | $91,425,600 | 4,122 |
| Average equity | $12,975,800 | 3,886 |
| Average total loans | $83,627,000 | 3,599 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1371% | 128 |
| Cost of funding earning assets | 0.4958% | 3,222 |
| Net interest margin | 5.6413% | 96 |
| Noninterest income to average assets | 0.1812% | 4,877 |
| Noninterest expense to average assets | 4.5101% | 293 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7289% | 4,141 |
| Return on assets (ROA) | 0.7289% | 4,149 |
| Pretax return on assets | 1.1261% | 3,289 |
| Return on Equity (ROE) | 5.4128% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.4128% | 3,001 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0198% | 938 |
| Assets per employee ($millions) | 2.6510% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,428 |
| Loan loss allowance to noncurrent loans | 9,920.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 4,960 |
| Noncurrent loans to loans | 0.0124% | 4,861 |
| Net loans and leases to total assets | 85.5244% | 311 |
| Net loans and leases to deposits | 108.6596% | 330 |
| Net loans and leases to core deposits | 115.5789% | 734 |
| Total domestic deposits to total assets | 78.7086% | 4,378 |
| Equity capital to assets | 14.1565% | 909 |
| Core capital (leverage) ratio | 14.0076% | 936 |
| Tier 1 risk-based capital ratio | 18.2056% | 1,743 |
| Total risk-based capital ratio | 19.4583% | 1,693 |
| Memoranda: | ||
| Average total assets | $95,665,250 | 4,217 |
| Average earning assets | $92,505,750 | 4,133 |
| Average equity | $12,882,750 | 3,928 |
| Average total loans | $84,663,250 | 3,609 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0929% | 125 |
| Cost of funding earning assets | 0.4903% | 3,085 |
| Net interest margin | 5.6027% | 100 |
| Noninterest income to average assets | 0.1842% | 4,907 |
| Noninterest expense to average assets | 4.4357% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7700% | 3,958 |
| Return on assets (ROA) | 0.7700% | 3,962 |
| Pretax return on assets | 1.1653% | 3,075 |
| Return on Equity (ROE) | 5.8131% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.8131% | 2,654 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1944% | 1,097 |
| Assets per employee ($millions) | 2.8470% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 2,871 |
| Loan loss allowance to noncurrent loans | 1,288.3117% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 4,611 |
| Noncurrent loans to loans | 0.0910% | 4,507 |
| Net loans and leases to total assets | 86.3583% | 238 |
| Net loans and leases to deposits | 111.0958% | 256 |
| Net loans and leases to core deposits | 117.7563% | 640 |
| Total domestic deposits to total assets | 77.7332% | 4,629 |
| Equity capital to assets | 13.4144% | 1,134 |
| Core capital (leverage) ratio | 13.0384% | 1,204 |
| Tier 1 risk-based capital ratio | 17.0022% | 2,097 |
| Total risk-based capital ratio | 18.2535% | 2,046 |
| Memoranda: | ||
| Average total assets | $96,625,670 | 4,235 |
| Average earning assets | $93,419,670 | 4,156 |
| Average equity | $12,798,670 | 3,962 |
| Average total loans | $86,102,670 | 3,601 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0205% | 133 |
| Cost of funding earning assets | 0.4938% | 2,841 |
| Net interest margin | 5.5267% | 103 |
| Noninterest income to average assets | 0.1699% | 5,004 |
| Noninterest expense to average assets | 4.4956% | 296 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7002% | 4,095 |
| Return on assets (ROA) | 0.7002% | 4,100 |
| Pretax return on assets | 1.0068% | 3,510 |
| Return on Equity (ROE) | 5.3205% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.3205% | 3,028 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7018% | 979 |
| Assets per employee ($millions) | 2.8333% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 3,118 |
| Loan loss allowance to noncurrent loans | 1,255.6962% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 4,678 |
| Noncurrent loans to loans | 0.0912% | 4,568 |
| Net loans and leases to total assets | 88.9050% | 97 |
| Net loans and leases to deposits | 120.7206% | 109 |
| Net loans and leases to core deposits | 128.9101% | 362 |
| Total domestic deposits to total assets | 73.6453% | 5,187 |
| Equity capital to assets | 13.2708% | 1,127 |
| Core capital (leverage) ratio | 13.2560% | 1,090 |
| Tier 1 risk-based capital ratio | 16.2866% | 2,362 |
| Total risk-based capital ratio | 17.5376% | 2,309 |
| Memoranda: | ||
| Average total assets | $96,539,000 | 4,278 |
| Average earning assets | $93,148,000 | 4,203 |
| Average equity | $12,705,500 | 4,016 |
| Average total loans | $86,861,000 | 3,612 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8194% | 167 |
| Cost of funding earning assets | 0.3611% | 3,603 |
| Net interest margin | 5.4583% | 108 |
| Noninterest income to average assets | 0.1664% | 5,127 |
| Noninterest expense to average assets | 4.3151% | 370 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5484% | 4,231 |
| Return on assets (ROA) | 0.5484% | 4,260 |
| Pretax return on assets | 1.1286% | 3,070 |
| Return on Equity (ROE) | 4.3188% | 4,401 |
| Retained earnings to average equity (ytd only) | 4.3188% | 2,562 |
| Net charge-offs to loans | -0.0148% | 4,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2681% | 1,184 |
| Assets per employee ($millions) | 2.6874% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 3,122 |
| Loan loss allowance to noncurrent loans | 1,240.0000% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 4,707 |
| Noncurrent loans to loans | 0.0919% | 4,582 |
| Net loans and leases to total assets | 88.9897% | 102 |
| Net loans and leases to deposits | 120.3085% | 112 |
| Net loans and leases to core deposits | 127.8004% | 394 |
| Total domestic deposits to total assets | 73.9679% | 5,182 |
| Equity capital to assets | 13.0517% | 1,241 |
| Core capital (leverage) ratio | 12.8788% | 1,186 |
| Tier 1 risk-based capital ratio | 16.0081% | 2,427 |
| Total risk-based capital ratio | 17.2593% | 2,366 |
| Memoranda: | ||
| Average total assets | $97,380,000 | 4,280 |
| Average earning assets | $94,149,800 | 4,196 |
| Average equity | $12,364,600 | 4,074 |
| Average total loans | $87,931,200 | 3,563 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7547% | 173 |
| Cost of funding earning assets | 0.3332% | 3,828 |
| Net interest margin | 5.4215% | 117 |
| Noninterest income to average assets | 0.1668% | 5,182 |
| Noninterest expense to average assets | 4.3237% | 362 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5768% | 4,472 |
| Return on assets (ROA) | 0.5768% | 4,513 |
| Pretax return on assets | 1.0922% | 3,330 |
| Return on Equity (ROE) | 4.5748% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.5748% | 3,162 |
| Net charge-offs to loans | -0.0197% | 4,846 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8334% | 1,126 |
| Assets per employee ($millions) | 2.7218% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 3,532 |
| Loan loss allowance to noncurrent loans | 1,224.6914% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 4,824 |
| Noncurrent loans to loans | 0.0892% | 4,711 |
| Net loans and leases to total assets | 91.6936% | 40 |
| Net loans and leases to deposits | 116.9626% | 138 |
| Net loans and leases to core deposits | 123.7105% | 470 |
| Total domestic deposits to total assets | 78.3957% | 4,648 |
| Equity capital to assets | 12.7805% | 1,501 |
| Core capital (leverage) ratio | 12.6587% | 1,350 |
| Tier 1 risk-based capital ratio | 15.2641% | 2,811 |
| Total risk-based capital ratio | 16.5147% | 2,744 |
| Memoranda: | ||
| Average total assets | $97,538,500 | 4,321 |
| Average earning assets | $94,436,750 | 4,230 |
| Average equity | $12,299,000 | 4,128 |
| Average total loans | $88,142,500 | 3,593 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6603% | 193 |
| Cost of funding earning assets | 0.3162% | 3,918 |
| Net interest margin | 5.3440% | 131 |
| Noninterest income to average assets | 0.1766% | 5,170 |
| Noninterest expense to average assets | 4.3290% | 358 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5442% | 4,552 |
| Return on assets (ROA) | 0.5442% | 4,587 |
| Pretax return on assets | 1.0186% | 3,490 |
| Return on Equity (ROE) | 4.3356% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.3356% | 3,125 |
| Net charge-offs to loans | -0.0298% | 4,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 1,111 |
| Assets per employee ($millions) | 2.6865% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 3,511 |
| Loan loss allowance to noncurrent loans | 734.8148% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 4,626 |
| Noncurrent loans to loans | 0.1515% | 4,509 |
| Net loans and leases to total assets | 91.1409% | 53 |
| Net loans and leases to deposits | 110.4850% | 252 |
| Net loans and leases to core deposits | 116.9123% | 685 |
| Total domestic deposits to total assets | 82.4917% | 3,729 |
| Equity capital to assets | 12.7851% | 1,477 |
| Core capital (leverage) ratio | 12.4213% | 1,405 |
| Tier 1 risk-based capital ratio | 15.5591% | 2,682 |
| Total risk-based capital ratio | 16.8099% | 2,612 |
| Memoranda: | ||
| Average total assets | $97,389,670 | 4,354 |
| Average earning assets | $94,236,000 | 4,262 |
| Average equity | $12,224,330 | 4,154 |
| Average total loans | $87,244,000 | 3,630 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5278% | 218 |
| Cost of funding earning assets | 0.3050% | 3,994 |
| Net interest margin | 5.2228% | 153 |
| Noninterest income to average assets | 0.1637% | 5,296 |
| Noninterest expense to average assets | 4.3222% | 378 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4830% | 4,660 |
| Return on assets (ROA) | 0.4830% | 4,685 |
| Pretax return on assets | 0.8882% | 3,814 |
| Return on Equity (ROE) | 3.8835% | 4,825 |
| Retained earnings to average equity (ytd only) | 3.8835% | 3,510 |
| Net charge-offs to loans | -0.0603% | 5,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9537% | 1,067 |
| Assets per employee ($millions) | 2.7693% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 3,534 |
| Loan loss allowance to noncurrent loans | 724.0876% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 4,712 |
| Noncurrent loans to loans | 0.1557% | 4,567 |
| Net loans and leases to total assets | 87.2663% | 142 |
| Net loans and leases to deposits | 105.1206% | 355 |
| Net loans and leases to core deposits | 110.6418% | 851 |
| Total domestic deposits to total assets | 83.0154% | 3,831 |
| Equity capital to assets | 12.2512% | 1,686 |
| Core capital (leverage) ratio | 12.6066% | 1,288 |
| Tier 1 risk-based capital ratio | 15.4894% | 2,759 |
| Total risk-based capital ratio | 16.7411% | 2,690 |
| Memoranda: | ||
| Average total assets | $97,727,500 | 4,391 |
| Average earning assets | $94,432,000 | 4,300 |
| Average equity | $12,154,000 | 4,190 |
| Average total loans | $86,297,000 | 3,676 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4110% | 282 |
| Cost of funding earning assets | 0.2799% | 4,256 |
| Net interest margin | 5.1311% | 195 |
| Noninterest income to average assets | 0.1993% | 5,220 |
| Noninterest expense to average assets | 4.3980% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4470% | 4,807 |
| Return on assets (ROA) | 0.4497% | 4,879 |
| Pretax return on assets | 0.7784% | 4,245 |
| Return on Equity (ROE) | 3.6284% | 4,965 |
| Retained earnings to average equity (ytd only) | 3.6284% | 3,341 |
| Net charge-offs to loans | -0.0036% | 4,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0313% | 904 |
| Assets per employee ($millions) | 2.7360% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 3,387 |
| Loan loss allowance to noncurrent loans | 714.5985% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 4,738 |
| Noncurrent loans to loans | 0.1619% | 4,587 |
| Net loans and leases to total assets | 87.3255% | 160 |
| Net loans and leases to deposits | 105.7556% | 354 |
| Net loans and leases to core deposits | 111.0710% | 828 |
| Total domestic deposits to total assets | 82.5729% | 3,907 |
| Equity capital to assets | 12.6296% | 1,441 |
| Core capital (leverage) ratio | 12.6431% | 1,276 |
| Tier 1 risk-based capital ratio | 16.1144% | 2,498 |
| Total risk-based capital ratio | 17.3669% | 2,439 |
| Memoranda: | ||
| Average total assets | $95,839,400 | 4,431 |
| Average earning assets | $92,885,200 | 4,327 |
| Average equity | $11,878,400 | 4,266 |
| Average total loans | $83,611,000 | 3,721 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3904% | 301 |
| Cost of funding earning assets | 0.2707% | 4,383 |
| Net interest margin | 5.1198% | 204 |
| Noninterest income to average assets | 0.1878% | 5,334 |
| Noninterest expense to average assets | 4.4189% | 409 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4234% | 4,950 |
| Return on assets (ROA) | 0.4270% | 5,024 |
| Pretax return on assets | 0.7469% | 4,481 |
| Return on Equity (ROE) | 3.4616% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.4616% | 3,822 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6334% | 851 |
| Assets per employee ($millions) | 2.6702% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 3,595 |
| Loan loss allowance to noncurrent loans | 707.2464% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 4,851 |
| Noncurrent loans to loans | 0.1615% | 4,707 |
| Net loans and leases to total assets | 90.3773% | 63 |
| Net loans and leases to deposits | 109.9435% | 259 |
| Net loans and leases to core deposits | 115.6299% | 670 |
| Total domestic deposits to total assets | 82.2034% | 3,876 |
| Equity capital to assets | 12.8253% | 1,581 |
| Core capital (leverage) ratio | 12.8372% | 1,247 |
| Tier 1 risk-based capital ratio | 15.7187% | 2,744 |
| Total risk-based capital ratio | 16.9698% | 2,680 |
| Memoranda: | ||
| Average total assets | $95,859,500 | 4,464 |
| Average earning assets | $93,100,750 | 4,362 |
| Average equity | $11,824,500 | 4,317 |
| Average total loans | $83,363,500 | 3,745 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3518% | 326 |
| Cost of funding earning assets | 0.2684% | 4,458 |
| Net interest margin | 5.0833% | 219 |
| Noninterest income to average assets | 0.1966% | 5,320 |
| Noninterest expense to average assets | 4.4486% | 403 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3747% | 5,107 |
| Return on assets (ROA) | 0.3786% | 5,181 |
| Pretax return on assets | 0.6911% | 4,650 |
| Return on Equity (ROE) | 3.1094% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.1094% | 3,927 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6586% | 821 |
| Assets per employee ($millions) | 2.6058% | 5,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 3,392 |
| Loan loss allowance to noncurrent loans | 1,394.2857% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 5,240 |
| Noncurrent loans to loans | 0.0858% | 5,108 |
| Net loans and leases to total assets | 85.9621% | 256 |
| Net loans and leases to deposits | 101.7064% | 581 |
| Net loans and leases to core deposits | 106.3374% | 1,152 |
| Total domestic deposits to total assets | 84.5198% | 3,084 |
| Equity capital to assets | 12.6479% | 1,687 |
| Core capital (leverage) ratio | 12.3932% | 1,408 |
| Tier 1 risk-based capital ratio | 16.2399% | 2,531 |
| Total risk-based capital ratio | 17.4922% | 2,474 |
| Memoranda: | ||
| Average total assets | $96,660,670 | 4,486 |
| Average earning assets | $93,875,330 | 4,387 |
| Average equity | $11,770,670 | 4,355 |
| Average total loans | $82,671,670 | 3,783 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3750% | 301 |
| Cost of funding earning assets | 0.2650% | 4,549 |
| Net interest margin | 5.1100% | 201 |
| Noninterest income to average assets | 0.1957% | 5,334 |
| Noninterest expense to average assets | 4.3554% | 434 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4364% | 4,875 |
| Return on assets (ROA) | 0.4364% | 4,956 |
| Pretax return on assets | 0.7952% | 4,207 |
| Return on Equity (ROE) | 3.6508% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.6508% | 3,668 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5606% | 1,105 |
| Assets per employee ($millions) | 2.7301% | 5,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 3,606 |
| Loan loss allowance to noncurrent loans | 1,394.2857% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 5,292 |
| Noncurrent loans to loans | 0.0846% | 5,139 |
| Net loans and leases to total assets | 85.5933% | 245 |
| Net loans and leases to deposits | 100.8770% | 571 |
| Net loans and leases to core deposits | 107.0749% | 1,014 |
| Total domestic deposits to total assets | 84.8492% | 3,185 |
| Equity capital to assets | 12.3387% | 1,790 |
| Core capital (leverage) ratio | 11.9966% | 1,608 |
| Tier 1 risk-based capital ratio | 15.7979% | 2,781 |
| Total risk-based capital ratio | 17.0494% | 2,711 |
| Memoranda: | ||
| Average total assets | $98,086,000 | 4,498 |
| Average earning assets | $95,107,000 | 4,399 |
| Average equity | $11,723,500 | 4,378 |
| Average total loans | $83,199,000 | 3,775 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0671% | 552 |
| Cost of funding earning assets | 0.2837% | 4,432 |
| Net interest margin | 4.7834% | 387 |
| Noninterest income to average assets | 0.1827% | 5,498 |
| Noninterest expense to average assets | 4.2130% | 531 |
| Loan and lease loss provision to assets | 0.0745% | 2,781 |
| Net operating income to assets | 0.2909% | 5,384 |
| Return on assets (ROA) | 0.2909% | 5,469 |
| Pretax return on assets | 0.5311% | 5,037 |
| Return on Equity (ROE) | 2.5463% | 5,445 |
| Retained earnings to average equity (ytd only) | 2.5463% | 4,256 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4330% | 874 |
| Assets per employee ($millions) | 2.7950% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,671 |
| Loan loss allowance to noncurrent loans | 217.3719% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 3,827 |
| Noncurrent loans to loans | 0.5369% | 3,553 |
| Net loans and leases to total assets | 82.1505% | 583 |
| Net loans and leases to deposits | 95.7599% | 1,038 |
| Net loans and leases to core deposits | 100.8430% | 1,449 |
| Total domestic deposits to total assets | 85.7880% | 2,737 |
| Equity capital to assets | 11.5853% | 2,295 |
| Core capital (leverage) ratio | 11.3722% | 2,064 |
| Tier 1 risk-based capital ratio | 15.5379% | 2,910 |
| Total risk-based capital ratio | 16.7895% | 2,848 |
| Memoranda: | ||
| Average total assets | $100,736,600 | 4,448 |
| Average earning assets | $97,629,800 | 4,348 |
| Average equity | $11,507,000 | 4,393 |
| Average total loans | $81,178,800 | 3,790 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0423% | 568 |
| Cost of funding earning assets | 0.2851% | 4,502 |
| Net interest margin | 4.7572% | 411 |
| Noninterest income to average assets | 0.1773% | 5,593 |
| Noninterest expense to average assets | 4.2103% | 533 |
| Loan and lease loss provision to assets | 0.0675% | 2,830 |
| Net operating income to assets | 0.2805% | 5,511 |
| Return on assets (ROA) | 0.2805% | 5,583 |
| Pretax return on assets | 0.5134% | 5,192 |
| Return on Equity (ROE) | 2.4644% | 5,560 |
| Retained earnings to average equity (ytd only) | 2.4644% | 4,639 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8763% | 848 |
| Assets per employee ($millions) | 2.8416% | 5,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 3,927 |
| Loan loss allowance to noncurrent loans | 1,360.0000% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 5,481 |
| Noncurrent loans to loans | 0.0846% | 5,292 |
| Net loans and leases to total assets | 79.9859% | 821 |
| Net loans and leases to deposits | 92.9649% | 1,308 |
| Net loans and leases to core deposits | 97.5059% | 1,748 |
| Total domestic deposits to total assets | 86.0388% | 2,506 |
| Equity capital to assets | 11.3355% | 2,661 |
| Core capital (leverage) ratio | 11.2469% | 2,251 |
| Tier 1 risk-based capital ratio | 15.3781% | 3,103 |
| Total risk-based capital ratio | 16.6287% | 3,036 |
| Memoranda: | ||
| Average total assets | $100,766,000 | 4,494 |
| Average earning assets | $97,730,000 | 4,388 |
| Average equity | $11,469,500 | 4,444 |
| Average total loans | $80,564,750 | 3,838 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0404% | 559 |
| Cost of funding earning assets | 0.2863% | 4,546 |
| Net interest margin | 4.7541% | 395 |
| Noninterest income to average assets | 0.1855% | 5,581 |
| Noninterest expense to average assets | 4.2511% | 516 |
| Loan and lease loss provision to assets | 0.0319% | 3,479 |
| Net operating income to assets | 0.2753% | 5,518 |
| Return on assets (ROA) | 0.2753% | 5,601 |
| Pretax return on assets | 0.5067% | 5,208 |
| Return on Equity (ROE) | 2.4153% | 5,589 |
| Retained earnings to average equity (ytd only) | 2.4153% | 4,517 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7547% | 851 |
| Assets per employee ($millions) | 2.9470% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 4,202 |
| Loan loss allowance to noncurrent loans | 1,291.5493% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 5,589 |
| Noncurrent loans to loans | 0.0871% | 5,394 |
| Net loans and leases to total assets | 78.1405% | 1,053 |
| Net loans and leases to deposits | 90.5189% | 1,533 |
| Net loans and leases to core deposits | 94.8759% | 1,887 |
| Total domestic deposits to total assets | 86.3251% | 2,517 |
| Equity capital to assets | 11.1464% | 2,724 |
| Core capital (leverage) ratio | 11.2638% | 2,197 |
| Tier 1 risk-based capital ratio | 15.2691% | 3,213 |
| Total risk-based capital ratio | 16.5201% | 3,150 |
| Memoranda: | ||
| Average total assets | $100,255,330 | 4,547 |
| Average earning assets | $97,095,000 | 4,442 |
| Average equity | $11,427,330 | 4,480 |
| Average total loans | $79,827,670 | 3,890 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0564% | 523 |
| Cost of funding earning assets | 0.2851% | 4,609 |
| Net interest margin | 4.7713% | 368 |
| Noninterest income to average assets | 0.1781% | 5,648 |
| Noninterest expense to average assets | 4.2425% | 532 |
| Loan and lease loss provision to assets | 0.0648% | 2,637 |
| Net operating income to assets | 0.2672% | 5,514 |
| Return on assets (ROA) | 0.2672% | 5,608 |
| Pretax return on assets | 0.4777% | 5,236 |
| Return on Equity (ROE) | 2.3173% | 5,607 |
| Retained earnings to average equity (ytd only) | 2.3173% | 4,533 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6633% | 963 |
| Assets per employee ($millions) | 2.7581% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 4,325 |
| Loan loss allowance to noncurrent loans | 198.9154% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 4,172 |
| Noncurrent loans to loans | 0.5726% | 3,868 |
| Net loans and leases to total assets | 80.1662% | 670 |
| Net loans and leases to deposits | 93.3985% | 1,045 |
| Net loans and leases to core deposits | 98.1008% | 1,465 |
| Total domestic deposits to total assets | 85.8324% | 3,024 |
| Equity capital to assets | 11.5339% | 2,438 |
| Core capital (leverage) ratio | 11.6226% | 1,909 |
| Tier 1 risk-based capital ratio | 15.3313% | 3,244 |
| Total risk-based capital ratio | 16.5817% | 3,172 |
| Memoranda: | ||
| Average total assets | $98,810,500 | 4,607 |
| Average earning assets | $95,404,000 | 4,522 |
| Average equity | $11,392,500 | 4,524 |
| Average total loans | $78,984,000 | 3,929 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5454% | 293 |
| Cost of funding earning assets | 0.3112% | 4,666 |
| Net interest margin | 5.2341% | 198 |
| Noninterest income to average assets | 0.2096% | 5,606 |
| Noninterest expense to average assets | 4.4344% | 488 |
| Loan and lease loss provision to assets | 0.4342% | 386 |
| Net operating income to assets | 0.2075% | 5,749 |
| Return on assets (ROA) | 0.2075% | 5,814 |
| Pretax return on assets | 0.3776% | 5,541 |
| Return on Equity (ROE) | 1.7488% | 5,836 |
| Retained earnings to average equity (ytd only) | 1.7488% | 4,944 |
| Net charge-offs to loans | 0.5504% | 739 |
| Credit loss provision to net charge-offs | 93.9815% | 2,555 |
| Earnings coverage of net charge-offs (x) | 1.7569% | 4,341 |
| Efficiency ratio | 84.5260% | 1,341 |
| Assets per employee ($millions) | 2.8095% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 4,207 |
| Loan loss allowance to noncurrent loans | 100.4459% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.9122% | 2,936 |
| Noncurrent loans to loans | 1.1581% | 2,523 |
| Net loans and leases to total assets | 77.8524% | 1,021 |
| Net loans and leases to deposits | 90.7209% | 1,441 |
| Net loans and leases to core deposits | 94.5344% | 1,860 |
| Total domestic deposits to total assets | 85.8153% | 2,937 |
| Equity capital to assets | 11.5254% | 2,412 |
| Core capital (leverage) ratio | 11.7777% | 1,780 |
| Tier 1 risk-based capital ratio | 15.6702% | 3,142 |
| Total risk-based capital ratio | 16.9213% | 3,073 |
| Memoranda: | ||
| Average total assets | $93,495,800 | 4,765 |
| Average earning assets | $89,967,200 | 4,655 |
| Average equity | $11,093,200 | 4,548 |
| Average total loans | $78,483,200 | 3,919 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5399% | 300 |
| Cost of funding earning assets | 0.3179% | 4,692 |
| Net interest margin | 5.2220% | 198 |
| Noninterest income to average assets | 0.2182% | 5,624 |
| Noninterest expense to average assets | 4.4902% | 462 |
| Loan and lease loss provision to assets | 0.5504% | 262 |
| Net operating income to assets | 0.1141% | 6,007 |
| Return on assets (ROA) | 0.1141% | 6,036 |
| Pretax return on assets | 0.2080% | 5,939 |
| Return on Equity (ROE) | 0.9547% | 6,035 |
| Retained earnings to average equity (ytd only) | 0.9547% | 5,501 |
| Net charge-offs to loans | 0.6858% | 513 |
| Credit loss provision to net charge-offs | 94.0741% | 2,359 |
| Earnings coverage of net charge-offs (x) | 1.2963% | 4,188 |
| Efficiency ratio | 85.5491% | 1,229 |
| Assets per employee ($millions) | 2.7321% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 4,598 |
| Loan loss allowance to noncurrent loans | 752.5000% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 5,653 |
| Noncurrent loans to loans | 0.1505% | 5,463 |
| Net loans and leases to total assets | 84.8629% | 268 |
| Net loans and leases to deposits | 99.5856% | 636 |
| Net loans and leases to core deposits | 108.9640% | 799 |
| Total domestic deposits to total assets | 85.2160% | 3,252 |
| Equity capital to assets | 12.0259% | 2,033 |
| Core capital (leverage) ratio | 12.2588% | 1,540 |
| Tier 1 risk-based capital ratio | 15.1309% | 3,514 |
| Total risk-based capital ratio | 16.3821% | 3,453 |
| Memoranda: | ||
| Average total assets | $92,287,000 | 4,834 |
| Average earning assets | $88,904,500 | 4,730 |
| Average equity | $11,033,250 | 4,590 |
| Average total loans | $78,740,500 | 3,938 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5451% | 285 |
| Cost of funding earning assets | 0.3229% | 4,727 |
| Net interest margin | 5.2222% | 192 |
| Noninterest income to average assets | 0.2280% | 5,573 |
| Noninterest expense to average assets | 4.5197% | 443 |
| Loan and lease loss provision to assets | 0.8318% | 142 |
| Net operating income to assets | -0.0543% | 6,227 |
| Return on assets (ROA) | -0.0543% | 6,241 |
| Pretax return on assets | -0.0999% | 6,256 |
| Return on Equity (ROE) | -0.4551% | 6,235 |
| Retained earnings to average equity (ytd only) | -0.4551% | 5,762 |
| Net charge-offs to loans | 1.0330% | 338 |
| Credit loss provision to net charge-offs | 94.5679% | 2,102 |
| Earnings coverage of net charge-offs (x) | 0.8321% | 3,962 |
| Efficiency ratio | 86.0629% | 1,266 |
| Assets per employee ($millions) | 2.6094% | 6,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 4,873 |
| Loan loss allowance to noncurrent loans | 405.8296% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 5,363 |
| Noncurrent loans to loans | 0.2728% | 5,200 |
| Net loans and leases to total assets | 88.5183% | 85 |
| Net loans and leases to deposits | 104.0304% | 360 |
| Net loans and leases to core deposits | 114.4341% | 523 |
| Total domestic deposits to total assets | 85.0889% | 3,462 |
| Equity capital to assets | 12.1058% | 1,912 |
| Core capital (leverage) ratio | 11.9513% | 1,685 |
| Tier 1 risk-based capital ratio | 14.8015% | 3,754 |
| Total risk-based capital ratio | 16.0513% | 3,700 |
| Memoranda: | ||
| Average total assets | $92,085,670 | 4,872 |
| Average earning assets | $88,582,670 | 4,767 |
| Average equity | $10,987,330 | 4,613 |
| Average total loans | $78,409,670 | 3,961 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3473% | 382 |
| Cost of funding earning assets | 0.3334% | 4,710 |
| Net interest margin | 5.0140% | 263 |
| Noninterest income to average assets | 0.2076% | 5,697 |
| Noninterest expense to average assets | 4.5423% | 439 |
| Loan and lease loss provision to assets | 1.3324% | 77 |
| Net operating income to assets | -0.4672% | 6,461 |
| Return on assets (ROA) | -0.4672% | 6,464 |
| Pretax return on assets | -0.8522% | 6,540 |
| Return on Equity (ROE) | -3.9441% | 6,442 |
| Retained earnings to average equity (ytd only) | -3.9441% | 6,054 |
| Net charge-offs to loans | 1.6575% | 184 |
| Credit loss provision to net charge-offs | 96.8553% | 1,729 |
| Earnings coverage of net charge-offs (x) | 0.3491% | 3,368 |
| Efficiency ratio | 90.4393% | 993 |
| Assets per employee ($millions) | 2.6488% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 4,885 |
| Loan loss allowance to noncurrent loans | 116.5184% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.8489% | 3,603 |
| Noncurrent loans to loans | 0.9851% | 3,453 |
| Net loans and leases to total assets | 85.1814% | 181 |
| Net loans and leases to deposits | 99.6819% | 449 |
| Net loans and leases to core deposits | 107.4524% | 694 |
| Total domestic deposits to total assets | 85.4533% | 3,647 |
| Equity capital to assets | 11.7865% | 2,023 |
| Core capital (leverage) ratio | 12.0006% | 1,653 |
| Tier 1 risk-based capital ratio | 14.9045% | 3,761 |
| Total risk-based capital ratio | 16.1550% | 3,714 |
| Memoranda: | ||
| Average total assets | $92,464,500 | 4,906 |
| Average earning assets | $88,792,000 | 4,807 |
| Average equity | $10,953,000 | 4,628 |
| Average total loans | $76,741,000 | 4,041 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4508% | 392 |
| Cost of funding earning assets | 0.4178% | 4,456 |
| Net interest margin | 5.0331% | 297 |
| Noninterest income to average assets | 0.2270% | 5,718 |
| Noninterest expense to average assets | 4.3501% | 598 |
| Loan and lease loss provision to assets | 0.0591% | 3,956 |
| Net operating income to assets | 0.3484% | 5,339 |
| Return on assets (ROA) | 0.3484% | 5,453 |
| Pretax return on assets | 0.6641% | 4,654 |
| Return on Equity (ROE) | 3.0055% | 5,508 |
| Retained earnings to average equity (ytd only) | 3.0055% | 4,099 |
| Net charge-offs to loans | 0.3153% | 2,109 |
| Credit loss provision to net charge-offs | 23.0453% | 4,387 |
| Earnings coverage of net charge-offs (x) | 2.8189% | 4,065 |
| Efficiency ratio | 85.7440% | 1,437 |
| Assets per employee ($millions) | 2.6349% | 6,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 4,346 |
| Loan loss allowance to noncurrent loans | 47.3926% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 2.1210% | 1,687 |
| Noncurrent loans to loans | 2.6578% | 1,388 |
| Net loans and leases to total assets | 78.7977% | 735 |
| Net loans and leases to deposits | 92.3132% | 1,020 |
| Net loans and leases to core deposits | 98.6935% | 1,260 |
| Total domestic deposits to total assets | 85.3591% | 3,571 |
| Equity capital to assets | 11.9051% | 1,860 |
| Core capital (leverage) ratio | 11.9687% | 1,630 |
| Tier 1 risk-based capital ratio | 16.4509% | 2,880 |
| Total risk-based capital ratio | 17.7031% | 2,838 |
| Memoranda: | ||
| Average total assets | $94,709,800 | 4,875 |
| Average earning assets | $91,197,000 | 4,741 |
| Average equity | $10,980,000 | 4,639 |
| Average total loans | $77,074,000 | 4,022 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5144% | 367 |
| Cost of funding earning assets | 0.4391% | 4,393 |
| Net interest margin | 5.0753% | 276 |
| Noninterest income to average assets | 0.2336% | 5,764 |
| Noninterest expense to average assets | 4.3636% | 596 |
| Loan and lease loss provision to assets | -0.0252% | 6,502 |
| Net operating income to assets | 0.4098% | 5,214 |
| Return on assets (ROA) | 0.4098% | 5,347 |
| Pretax return on assets | 0.7930% | 4,319 |
| Return on Equity (ROE) | 3.5578% | 5,415 |
| Retained earnings to average equity (ytd only) | 3.5578% | 4,168 |
| Net charge-offs to loans | 0.1591% | 2,960 |
| Credit loss provision to net charge-offs | -19.3548% | 5,636 |
| Earnings coverage of net charge-offs (x) | 5.9031% | 3,081 |
| Efficiency ratio | 85.0368% | 1,467 |
| Assets per employee ($millions) | 2.6147% | 6,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 4,028 |
| Loan loss allowance to noncurrent loans | 79.5400% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.4762% | 2,724 |
| Noncurrent loans to loans | 1.7225% | 2,614 |
| Net loans and leases to total assets | 78.8977% | 661 |
| Net loans and leases to deposits | 92.5111% | 946 |
| Net loans and leases to core deposits | 98.5895% | 1,197 |
| Total domestic deposits to total assets | 85.2845% | 3,590 |
| Equity capital to assets | 11.9924% | 1,922 |
| Core capital (leverage) ratio | 12.0985% | 1,615 |
| Tier 1 risk-based capital ratio | 16.4689% | 2,948 |
| Total risk-based capital ratio | 17.7236% | 2,917 |
| Memoranda: | ||
| Average total assets | $95,332,000 | 4,899 |
| Average earning assets | $91,999,250 | 4,768 |
| Average equity | $10,980,250 | 4,690 |
| Average total loans | $77,943,750 | 4,033 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5995% | 321 |
| Cost of funding earning assets | 0.4724% | 4,180 |
| Net interest margin | 5.1272% | 241 |
| Noninterest income to average assets | 0.2402% | 5,731 |
| Noninterest expense to average assets | 4.2855% | 636 |
| Loan and lease loss provision to assets | -0.0849% | 6,693 |
| Net operating income to assets | 0.5404% | 4,607 |
| Return on assets (ROA) | 0.5404% | 4,772 |
| Pretax return on assets | 0.9834% | 3,585 |
| Return on Equity (ROE) | 4.7532% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.7532% | 3,224 |
| Net charge-offs to loans | 0.2339% | 2,321 |
| Credit loss provision to net charge-offs | -44.0860% | 5,533 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,072 |
| Efficiency ratio | 82.6677% | 1,802 |
| Assets per employee ($millions) | 2.6673% | 6,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 4,477 |
| Loan loss allowance to noncurrent loans | 57.6810% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 1.9163% | 2,264 |
| Noncurrent loans to loans | 2.2648% | 2,099 |
| Net loans and leases to total assets | 79.3072% | 604 |
| Net loans and leases to deposits | 92.8434% | 893 |
| Net loans and leases to core deposits | 99.3039% | 1,128 |
| Total domestic deposits to total assets | 85.4203% | 3,682 |
| Equity capital to assets | 11.8289% | 2,028 |
| Core capital (leverage) ratio | 11.5392% | 1,906 |
| Tier 1 risk-based capital ratio | 15.9936% | 3,201 |
| Total risk-based capital ratio | 17.2458% | 3,139 |
| Memoranda: | ||
| Average total assets | $96,604,000 | 4,901 |
| Average earning assets | $93,150,670 | 4,776 |
| Average equity | $10,982,000 | 4,726 |
| Average total loans | $79,522,670 | 3,994 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6625% | 288 |
| Cost of funding earning assets | 0.4952% | 4,135 |
| Net interest margin | 5.1674% | 204 |
| Noninterest income to average assets | 0.2321% | 5,794 |
| Noninterest expense to average assets | 4.0844% | 803 |
| Loan and lease loss provision to assets | -0.0285% | 6,764 |
| Net operating income to assets | 0.6312% | 4,072 |
| Return on assets (ROA) | 0.6312% | 4,226 |
| Pretax return on assets | 1.1483% | 2,771 |
| Return on Equity (ROE) | 5.6613% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.6613% | 2,859 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4820% | 2,539 |
| Assets per employee ($millions) | 2.8406% | 6,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 4,411 |
| Loan loss allowance to noncurrent loans | 58.6645% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.9538% | 2,404 |
| Noncurrent loans to loans | 2.3238% | 2,255 |
| Net loans and leases to total assets | 82.9306% | 238 |
| Net loans and leases to deposits | 98.7219% | 408 |
| Net loans and leases to core deposits | 106.9444% | 607 |
| Total domestic deposits to total assets | 84.0043% | 4,477 |
| Equity capital to assets | 11.4193% | 2,493 |
| Core capital (leverage) ratio | 11.2807% | 2,025 |
| Tier 1 risk-based capital ratio | 14.4686% | 4,200 |
| Total risk-based capital ratio | 15.7214% | 4,159 |
| Memoranda: | ||
| Average total assets | $98,228,000 | 4,901 |
| Average earning assets | $94,516,000 | 4,777 |
| Average equity | $10,951,500 | 4,780 |
| Average total loans | $81,775,000 | 3,964 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0220% | 259 |
| Cost of funding earning assets | 0.6046% | 4,303 |
| Net interest margin | 5.4174% | 191 |
| Noninterest income to average assets | 0.2207% | 5,861 |
| Noninterest expense to average assets | 4.3660% | 638 |
| Loan and lease loss provision to assets | 0.0662% | 4,924 |
| Net operating income to assets | 0.5433% | 4,509 |
| Return on assets (ROA) | 0.5433% | 4,760 |
| Pretax return on assets | 0.9856% | 3,595 |
| Return on Equity (ROE) | 4.8834% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.8834% | 2,785 |
| Net charge-offs to loans | 0.3435% | 2,914 |
| Credit loss provision to net charge-offs | 22.1053% | 5,256 |
| Earnings coverage of net charge-offs (x) | 3.5123% | 3,700 |
| Efficiency ratio | 80.5857% | 2,069 |
| Assets per employee ($millions) | 2.9375% | 6,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 4,388 |
| Loan loss allowance to noncurrent loans | 58.7863% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 1.8974% | 2,573 |
| Noncurrent loans to loans | 2.3012% | 2,350 |
| Net loans and leases to total assets | 81.3355% | 374 |
| Net loans and leases to deposits | 96.2134% | 602 |
| Net loans and leases to core deposits | 103.8732% | 797 |
| Total domestic deposits to total assets | 84.5365% | 4,072 |
| Equity capital to assets | 10.8877% | 3,078 |
| Core capital (leverage) ratio | 11.1354% | 2,137 |
| Tier 1 risk-based capital ratio | 14.1574% | 4,276 |
| Total risk-based capital ratio | 15.4112% | 4,228 |
| Memoranda: | ||
| Average total assets | $95,167,200 | 4,960 |
| Average earning assets | $91,299,200 | 4,831 |
| Average equity | $10,586,800 | 4,847 |
| Average total loans | $82,971,200 | 3,944 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0903% | 253 |
| Cost of funding earning assets | 0.6279% | 4,383 |
| Net interest margin | 5.4623% | 187 |
| Noninterest income to average assets | 0.2284% | 5,916 |
| Noninterest expense to average assets | 4.4259% | 587 |
| Loan and lease loss provision to assets | 0.1007% | 4,313 |
| Net operating income to assets | 0.5220% | 4,748 |
| Return on assets (ROA) | 0.5220% | 5,013 |
| Pretax return on assets | 0.9462% | 3,933 |
| Return on Equity (ROE) | 4.6662% | 4,975 |
| Retained earnings to average equity (ytd only) | 4.6662% | 3,610 |
| Net charge-offs to loans | 0.4571% | 2,271 |
| Credit loss provision to net charge-offs | 24.9123% | 4,885 |
| Earnings coverage of net charge-offs (x) | 2.5895% | 4,005 |
| Efficiency ratio | 80.8709% | 1,960 |
| Assets per employee ($millions) | 2.8287% | 6,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 4,514 |
| Loan loss allowance to noncurrent loans | 59.0526% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 2.0354% | 2,599 |
| Noncurrent loans to loans | 2.3138% | 2,491 |
| Net loans and leases to total assets | 86.7677% | 122 |
| Net loans and leases to deposits | 103.8051% | 285 |
| Net loans and leases to core deposits | 109.3522% | 593 |
| Total domestic deposits to total assets | 83.5870% | 4,396 |
| Equity capital to assets | 11.4905% | 2,751 |
| Core capital (leverage) ratio | 11.3436% | 2,098 |
| Tier 1 risk-based capital ratio | 13.9520% | 4,567 |
| Total risk-based capital ratio | 15.2060% | 4,511 |
| Memoranda: | ||
| Average total assets | $93,990,500 | 5,037 |
| Average earning assets | $90,239,750 | 4,903 |
| Average equity | $10,515,000 | 4,910 |
| Average total loans | $83,127,250 | 3,985 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0747% | 268 |
| Cost of funding earning assets | 0.6489% | 4,451 |
| Net interest margin | 5.4258% | 200 |
| Noninterest income to average assets | 0.2314% | 5,917 |
| Noninterest expense to average assets | 4.4223% | 591 |
| Loan and lease loss provision to assets | 0.2250% | 2,828 |
| Net operating income to assets | 0.4310% | 5,114 |
| Return on assets (ROA) | 0.4310% | 5,337 |
| Pretax return on assets | 0.7855% | 4,523 |
| Return on Equity (ROE) | 3.8872% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.8872% | 4,032 |
| Net charge-offs to loans | 0.6829% | 1,625 |
| Credit loss provision to net charge-offs | 37.1930% | 4,319 |
| Earnings coverage of net charge-offs (x) | 1.6702% | 4,153 |
| Efficiency ratio | 81.3990% | 1,977 |
| Assets per employee ($millions) | 2.7886% | 6,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 4,519 |
| Loan loss allowance to noncurrent loans | 60.7668% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 2.0082% | 2,769 |
| Noncurrent loans to loans | 2.2780% | 2,640 |
| Net loans and leases to total assets | 86.9352% | 108 |
| Net loans and leases to deposits | 103.4204% | 291 |
| Net loans and leases to core deposits | 109.6237% | 588 |
| Total domestic deposits to total assets | 84.0600% | 4,297 |
| Equity capital to assets | 11.1431% | 2,972 |
| Core capital (leverage) ratio | 11.1138% | 2,191 |
| Tier 1 risk-based capital ratio | 13.4775% | 4,845 |
| Total risk-based capital ratio | 14.7309% | 4,800 |
| Memoranda: | ||
| Average total assets | $94,205,000 | 5,064 |
| Average earning assets | $90,308,670 | 4,921 |
| Average equity | $10,444,670 | 4,925 |
| Average total loans | $83,464,000 | 3,999 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0564% | 283 |
| Cost of funding earning assets | 0.6818% | 4,445 |
| Net interest margin | 5.3745% | 222 |
| Noninterest income to average assets | 0.2172% | 6,059 |
| Noninterest expense to average assets | 4.5367% | 538 |
| Loan and lease loss provision to assets | 0.4814% | 1,271 |
| Net operating income to assets | 0.1832% | 6,033 |
| Return on assets (ROA) | 0.1832% | 6,175 |
| Pretax return on assets | 0.3365% | 5,889 |
| Return on Equity (ROE) | 1.6563% | 6,172 |
| Retained earnings to average equity (ytd only) | 1.6563% | 5,406 |
| Net charge-offs to loans | 1.3668% | 740 |
| Credit loss provision to net charge-offs | 39.6491% | 3,458 |
| Earnings coverage of net charge-offs (x) | 0.6737% | 4,000 |
| Efficiency ratio | 84.7255% | 1,607 |
| Assets per employee ($millions) | 2.7959% | 6,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 4,633 |
| Loan loss allowance to noncurrent loans | 79.2916% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.8704% | 3,089 |
| Noncurrent loans to loans | 1.7605% | 3,469 |
| Net loans and leases to total assets | 86.4941% | 106 |
| Net loans and leases to deposits | 102.4330% | 293 |
| Net loans and leases to core deposits | 108.8859% | 575 |
| Total domestic deposits to total assets | 84.4396% | 4,305 |
| Equity capital to assets | 10.9444% | 2,971 |
| Core capital (leverage) ratio | 10.9795% | 2,271 |
| Tier 1 risk-based capital ratio | 13.2381% | 5,045 |
| Total risk-based capital ratio | 14.4920% | 5,018 |
| Memoranda: | ||
| Average total assets | $93,901,500 | 5,103 |
| Average earning assets | $89,756,500 | 4,975 |
| Average equity | $10,384,500 | 4,947 |
| Average total loans | $83,405,000 | 4,028 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1844% | 320 |
| Cost of funding earning assets | 0.6757% | 5,679 |
| Net interest margin | 5.5087% | 172 |
| Noninterest income to average assets | 0.2518% | 5,725 |
| Noninterest expense to average assets | 4.5277% | 579 |
| Loan and lease loss provision to assets | 0.2529% | 3,677 |
| Net operating income to assets | 0.4092% | 4,819 |
| Return on assets (ROA) | 0.4092% | 5,007 |
| Pretax return on assets | 0.7497% | 4,157 |
| Return on Equity (ROE) | 3.5690% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.5690% | 3,693 |
| Net charge-offs to loans | 0.0251% | 6,084 |
| Credit loss provision to net charge-offs | 1,125.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 44.6000% | 616 |
| Efficiency ratio | 81.8699% | 2,042 |
| Assets per employee ($millions) | 2.7277% | 6,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 3,580 |
| Loan loss allowance to noncurrent loans | 46.3728% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 3.1065% | 1,925 |
| Noncurrent loans to loans | 3.4535% | 1,863 |
| Net loans and leases to total assets | 88.5121% | 69 |
| Net loans and leases to deposits | 105.5076% | 260 |
| Net loans and leases to core deposits | 113.5398% | 518 |
| Total domestic deposits to total assets | 83.8917% | 4,362 |
| Equity capital to assets | 11.1763% | 2,818 |
| Core capital (leverage) ratio | 11.3624% | 1,993 |
| Tier 1 risk-based capital ratio | 13.1627% | 4,949 |
| Total risk-based capital ratio | 14.4184% | 4,921 |
| Memoranda: | ||
| Average total assets | $88,964,200 | 5,208 |
| Average earning assets | $85,246,200 | 5,081 |
| Average equity | $10,199,000 | 4,967 |
| Average total loans | $79,742,400 | 4,147 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1781% | 342 |
| Cost of funding earning assets | 0.6847% | 5,854 |
| Net interest margin | 5.4934% | 175 |
| Noninterest income to average assets | 0.2636% | 5,732 |
| Noninterest expense to average assets | 4.6246% | 510 |
| Loan and lease loss provision to assets | 0.1545% | 4,534 |
| Net operating income to assets | 0.4120% | 4,945 |
| Return on assets (ROA) | 0.4120% | 5,134 |
| Pretax return on assets | 0.7589% | 4,285 |
| Return on Equity (ROE) | 3.5704% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.5704% | 4,202 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5066% | 1,785 |
| Assets per employee ($millions) | 2.5786% | 6,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 4,009 |
| Loan loss allowance to noncurrent loans | 42.7680% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 3.2883% | 1,928 |
| Noncurrent loans to loans | 3.5543% | 1,934 |
| Net loans and leases to total assets | 91.1102% | 30 |
| Net loans and leases to deposits | 109.5477% | 184 |
| Net loans and leases to core deposits | 116.2263% | 487 |
| Total domestic deposits to total assets | 83.1695% | 4,616 |
| Equity capital to assets | 11.7173% | 2,480 |
| Core capital (leverage) ratio | 11.6833% | 1,899 |
| Tier 1 risk-based capital ratio | 13.5060% | 4,730 |
| Total risk-based capital ratio | 14.7612% | 4,695 |
| Memoranda: | ||
| Average total assets | $88,020,000 | 5,270 |
| Average earning assets | $84,511,000 | 5,140 |
| Average equity | $10,157,500 | 4,997 |
| Average total loans | $78,822,250 | 4,211 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2273% | 319 |
| Cost of funding earning assets | 0.7069% | 5,916 |
| Net interest margin | 5.5204% | 174 |
| Noninterest income to average assets | 0.2791% | 5,650 |
| Noninterest expense to average assets | 4.6792% | 497 |
| Loan and lease loss provision to assets | 0.0953% | 5,139 |
| Net operating income to assets | 0.4402% | 4,770 |
| Return on assets (ROA) | 0.4402% | 4,907 |
| Pretax return on assets | 0.8033% | 4,016 |
| Return on Equity (ROE) | 3.8344% | 5,007 |
| Retained earnings to average equity (ytd only) | 3.8344% | 3,766 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8893% | 1,826 |
| Assets per employee ($millions) | 2.6033% | 6,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 4,090 |
| Loan loss allowance to noncurrent loans | 40.6304% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 3.2617% | 2,051 |
| Noncurrent loans to loans | 3.7129% | 1,892 |
| Net loans and leases to total assets | 86.5216% | 123 |
| Net loans and leases to deposits | 101.1064% | 444 |
| Net loans and leases to core deposits | 108.4454% | 788 |
| Total domestic deposits to total assets | 85.5748% | 3,583 |
| Equity capital to assets | 11.5431% | 2,464 |
| Core capital (leverage) ratio | 11.5234% | 1,897 |
| Tier 1 risk-based capital ratio | 14.0692% | 4,121 |
| Total risk-based capital ratio | 15.3246% | 4,089 |
| Memoranda: | ||
| Average total assets | $88,135,330 | 5,309 |
| Average earning assets | $84,595,670 | 5,176 |
| Average equity | $10,119,000 | 5,018 |
| Average total loans | $78,058,670 | 4,285 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5947% | 179 |
| Cost of funding earning assets | 0.7496% | 5,864 |
| Net interest margin | 5.8451% | 112 |
| Noninterest income to average assets | 0.2729% | 5,725 |
| Noninterest expense to average assets | 4.6937% | 488 |
| Loan and lease loss provision to assets | 0.0546% | 5,324 |
| Net operating income to assets | 0.6186% | 3,939 |
| Return on assets (ROA) | 0.6186% | 4,005 |
| Pretax return on assets | 1.1280% | 2,653 |
| Return on Equity (ROE) | 5.4022% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.4022% | 2,956 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8762% | 2,556 |
| Assets per employee ($millions) | 2.5345% | 6,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 4,389 |
| Loan loss allowance to noncurrent loans | 55.0313% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 2.4103% | 2,823 |
| Noncurrent loans to loans | 2.6541% | 2,836 |
| Net loans and leases to total assets | 89.4885% | 53 |
| Net loans and leases to deposits | 102.0999% | 374 |
| Net loans and leases to core deposits | 109.9273% | 729 |
| Total domestic deposits to total assets | 87.6480% | 2,581 |
| Equity capital to assets | 11.7672% | 2,064 |
| Core capital (leverage) ratio | 11.4057% | 1,907 |
| Tier 1 risk-based capital ratio | 13.8152% | 4,201 |
| Total risk-based capital ratio | 15.0700% | 4,177 |
| Memoranda: | ||
| Average total assets | $87,947,000 | 5,357 |
| Average earning assets | $84,310,000 | 5,219 |
| Average equity | $10,070,000 | 5,031 |
| Average total loans | $78,210,500 | 4,322 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8641% | 1,121 |
| Cost of funding earning assets | 1.1626% | 4,778 |
| Net interest margin | 4.7016% | 815 |
| Noninterest income to average assets | 0.2424% | 6,063 |
| Noninterest expense to average assets | 4.0019% | 1,159 |
| Loan and lease loss provision to assets | 0.0791% | 6,369 |
| Net operating income to assets | 0.3571% | 4,716 |
| Return on assets (ROA) | 0.3596% | 4,869 |
| Pretax return on assets | 0.6621% | 4,121 |
| Return on Equity (ROE) | 3.6615% | 4,665 |
| Retained earnings to average equity (ytd only) | 3.6615% | 3,294 |
| Net charge-offs to loans | 0.2236% | 4,947 |
| Credit loss provision to net charge-offs | 42.2460% | 6,353 |
| Earnings coverage of net charge-offs (x) | 3.9358% | 3,131 |
| Efficiency ratio | 84.4430% | 1,874 |
| Assets per employee ($millions) | 2.6389% | 6,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 4,298 |
| Loan loss allowance to noncurrent loans | 192.0204% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 5,691 |
| Noncurrent loans to loans | 0.7535% | 5,537 |
| Net loans and leases to total assets | 85.8574% | 190 |
| Net loans and leases to deposits | 97.2393% | 768 |
| Net loans and leases to core deposits | 104.8239% | 1,263 |
| Total domestic deposits to total assets | 88.2950% | 2,065 |
| Equity capital to assets | 11.1455% | 2,557 |
| Core capital (leverage) ratio | 10.7557% | 2,345 |
| Tier 1 risk-based capital ratio | 13.4192% | 4,280 |
| Total risk-based capital ratio | 14.6735% | 4,237 |
| Memoranda: | ||
| Average total assets | $99,826,600 | 4,988 |
| Average earning assets | $95,478,800 | 4,846 |
| Average equity | $9,804,800 | 5,184 |
| Average total loans | $83,633,800 | 4,221 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7864% | 1,437 |
| Cost of funding earning assets | 1.2441% | 4,607 |
| Net interest margin | 4.5423% | 1,164 |
| Noninterest income to average assets | 0.2293% | 6,258 |
| Noninterest expense to average assets | 3.9053% | 1,194 |
| Loan and lease loss provision to assets | 0.1316% | 5,713 |
| Net operating income to assets | 0.2885% | 5,211 |
| Return on assets (ROA) | 0.2918% | 5,369 |
| Pretax return on assets | 0.5445% | 4,779 |
| Return on Equity (ROE) | 3.0613% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.0613% | 4,295 |
| Net charge-offs to loans | 0.2933% | 4,196 |
| Credit loss provision to net charge-offs | 54.0107% | 5,824 |
| Earnings coverage of net charge-offs (x) | 2.7540% | 3,767 |
| Efficiency ratio | 85.3402% | 1,701 |
| Assets per employee ($millions) | 2.8406% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 4,247 |
| Loan loss allowance to noncurrent loans | 182.7258% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 5,823 |
| Noncurrent loans to loans | 0.7894% | 5,632 |
| Net loans and leases to total assets | 81.5738% | 553 |
| Net loans and leases to deposits | 92.6130% | 1,374 |
| Net loans and leases to core deposits | 99.6106% | 1,884 |
| Total domestic deposits to total assets | 88.0803% | 1,916 |
| Equity capital to assets | 10.2236% | 3,849 |
| Core capital (leverage) ratio | 9.8642% | 3,407 |
| Tier 1 risk-based capital ratio | 12.7693% | 4,760 |
| Total risk-based capital ratio | 14.0234% | 4,730 |
| Memoranda: | ||
| Average total assets | $102,352,750 | 4,976 |
| Average earning assets | $97,951,750 | 4,840 |
| Average equity | $9,756,000 | 5,267 |
| Average total loans | $85,001,250 | 4,254 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7030% | 1,751 |
| Cost of funding earning assets | 1.2941% | 4,574 |
| Net interest margin | 4.4088% | 1,422 |
| Noninterest income to average assets | 0.2321% | 6,252 |
| Noninterest expense to average assets | 3.6902% | 1,573 |
| Loan and lease loss provision to assets | 0.2436% | 4,483 |
| Net operating income to assets | 0.2770% | 5,269 |
| Return on assets (ROA) | 0.2819% | 5,408 |
| Pretax return on assets | 0.5140% | 4,863 |
| Return on Equity (ROE) | 3.0257% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.0257% | 4,187 |
| Net charge-offs to loans | 0.4314% | 3,266 |
| Credit loss provision to net charge-offs | 67.9144% | 5,024 |
| Earnings coverage of net charge-offs (x) | 2.0909% | 3,982 |
| Efficiency ratio | 83.1102% | 2,026 |
| Assets per employee ($millions) | 3.0756% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 4,426 |
| Loan loss allowance to noncurrent loans | 110.8083% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 1.0175% | 5,108 |
| Noncurrent loans to loans | 1.2625% | 4,855 |
| Net loans and leases to total assets | 79.4656% | 883 |
| Net loans and leases to deposits | 90.1387% | 1,830 |
| Net loans and leases to core deposits | 95.8311% | 2,460 |
| Total domestic deposits to total assets | 88.1592% | 1,920 |
| Equity capital to assets | 9.3764% | 4,891 |
| Core capital (leverage) ratio | 9.2403% | 4,231 |
| Tier 1 risk-based capital ratio | 12.0547% | 5,264 |
| Total risk-based capital ratio | 13.3071% | 5,229 |
| Memoranda: | ||
| Average total assets | $104,277,000 | 4,960 |
| Average earning assets | $99,527,330 | 4,824 |
| Average equity | $9,716,670 | 5,285 |
| Average total loans | $86,689,330 | 4,235 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8266% | 1,384 |
| Cost of funding earning assets | 1.3703% | 4,354 |
| Net interest margin | 4.4564% | 1,243 |
| Noninterest income to average assets | 0.2074% | 6,477 |
| Noninterest expense to average assets | 3.6608% | 1,596 |
| Loan and lease loss provision to assets | 0.3572% | 3,233 |
| Net operating income to assets | 0.2437% | 5,527 |
| Return on assets (ROA) | 0.2535% | 5,607 |
| Pretax return on assets | 0.4648% | 5,070 |
| Return on Equity (ROE) | 2.7294% | 5,463 |
| Retained earnings to average equity (ytd only) | 2.7294% | 4,496 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9433% | 2,274 |
| Assets per employee ($millions) | 3.1071% | 5,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 3,824 |
| Loan loss allowance to noncurrent loans | 88.8592% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.4620% | 4,310 |
| Noncurrent loans to loans | 1.7070% | 4,181 |
| Net loans and leases to total assets | 84.3475% | 339 |
| Net loans and leases to deposits | 95.8654% | 1,126 |
| Net loans and leases to core deposits | 103.0713% | 1,818 |
| Total domestic deposits to total assets | 87.9853% | 2,069 |
| Equity capital to assets | 9.4740% | 4,574 |
| Core capital (leverage) ratio | 9.5194% | 3,740 |
| Tier 1 risk-based capital ratio | 11.5821% | 5,596 |
| Total risk-based capital ratio | 12.8361% | 5,564 |
| Memoranda: | ||
| Average total assets | $104,130,000 | 5,028 |
| Average earning assets | $99,543,000 | 4,891 |
| Average equity | $9,672,500 | 5,329 |
| Average total loans | $87,895,500 | 4,263 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0301% | 1,748 |
| Cost of funding earning assets | 2.0657% | 2,653 |
| Net interest margin | 3.9644% | 3,006 |
| Noninterest income to average assets | 0.2210% | 6,532 |
| Noninterest expense to average assets | 3.7097% | 1,890 |
| Loan and lease loss provision to assets | 0.2219% | 5,587 |
| Net operating income to assets | 0.0547% | 5,320 |
| Return on assets (ROA) | 0.0589% | 5,367 |
| Pretax return on assets | 0.0764% | 5,264 |
| Return on Equity (ROE) | 0.6686% | 5,340 |
| Retained earnings to average equity (ytd only) | 0.6686% | 4,531 |
| Net charge-offs to loans | -0.0046% | 7,715 |
| Credit loss provision to net charge-offs | -6,025.0000% | 7,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6846% | 1,515 |
| Assets per employee ($millions) | 3.1096% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 4,190 |
| Loan loss allowance to noncurrent loans | 81.2459% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.4424% | 4,251 |
| Noncurrent loans to loans | 1.7334% | 4,035 |
| Net loans and leases to total assets | 82.0377% | 683 |
| Net loans and leases to deposits | 98.0223% | 1,101 |
| Net loans and leases to core deposits | 132.8595% | 1,120 |
| Total domestic deposits to total assets | 83.6929% | 4,180 |
| Equity capital to assets | 9.1093% | 4,975 |
| Core capital (leverage) ratio | 9.0171% | 4,387 |
| Tier 1 risk-based capital ratio | 11.3448% | 5,574 |
| Total risk-based capital ratio | 12.5980% | 5,515 |
| Memoranda: | ||
| Average total assets | $108,605,800 | 4,858 |
| Average earning assets | $103,596,600 | 4,736 |
| Average equity | $9,572,400 | 5,421 |
| Average total loans | $87,438,600 | 4,289 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0770% | 1,730 |
| Cost of funding earning assets | 2.1919% | 2,445 |
| Net interest margin | 3.8851% | 3,284 |
| Noninterest income to average assets | 0.2244% | 6,624 |
| Noninterest expense to average assets | 3.6941% | 1,833 |
| Loan and lease loss provision to assets | 0.2598% | 4,879 |
| Net operating income to assets | 0.0087% | 5,694 |
| Return on assets (ROA) | 0.0134% | 5,734 |
| Pretax return on assets | -0.0171% | 5,734 |
| Return on Equity (ROE) | 0.1535% | 5,728 |
| Retained earnings to average equity (ytd only) | 0.1535% | 5,138 |
| Net charge-offs to loans | -0.0061% | 7,644 |
| Credit loss provision to net charge-offs | -5,325.0000% | 7,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0099% | 1,398 |
| Assets per employee ($millions) | 3.1032% | 5,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 4,180 |
| Loan loss allowance to noncurrent loans | 117.6871% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.9753% | 5,110 |
| Noncurrent loans to loans | 1.1503% | 5,020 |
| Net loans and leases to total assets | 83.6382% | 584 |
| Net loans and leases to deposits | 104.7630% | 719 |
| Net loans and leases to core deposits | 137.5390% | 1,032 |
| Total domestic deposits to total assets | 79.8357% | 5,503 |
| Equity capital to assets | 9.0894% | 5,358 |
| Core capital (leverage) ratio | 9.0594% | 4,556 |
| Tier 1 risk-based capital ratio | 11.1918% | 5,764 |
| Total risk-based capital ratio | 12.4444% | 5,713 |
| Memoranda: | ||
| Average total assets | $109,325,500 | 4,871 |
| Average earning assets | $104,259,500 | 4,760 |
| Average equity | $9,557,750 | 5,471 |
| Average total loans | $87,304,500 | 4,330 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0647% | 1,927 |
| Cost of funding earning assets | 2.3302% | 2,236 |
| Net interest margin | 3.7344% | 3,809 |
| Noninterest income to average assets | 0.2351% | 6,599 |
| Noninterest expense to average assets | 3.6728% | 1,891 |
| Loan and lease loss provision to assets | 0.3852% | 3,609 |
| Net operating income to assets | -0.1103% | 6,031 |
| Return on assets (ROA) | -0.1103% | 6,067 |
| Pretax return on assets | -0.2640% | 6,194 |
| Return on Equity (ROE) | -1.2779% | 6,117 |
| Retained earnings to average equity (ytd only) | -1.2779% | 5,560 |
| Net charge-offs to loans | -0.0023% | 7,486 |
| Credit loss provision to net charge-offs | -21,300.0000% | 7,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8065% | 1,322 |
| Assets per employee ($millions) | 3.1648% | 5,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 3,831 |
| Loan loss allowance to noncurrent loans | 75.6892% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.4832% | 4,012 |
| Noncurrent loans to loans | 1.8237% | 3,776 |
| Net loans and leases to total assets | 80.2085% | 1,275 |
| Net loans and leases to deposits | 96.9436% | 1,662 |
| Net loans and leases to core deposits | 125.9647% | 1,878 |
| Total domestic deposits to total assets | 82.7373% | 4,367 |
| Equity capital to assets | 8.8019% | 5,596 |
| Core capital (leverage) ratio | 8.7377% | 5,027 |
| Tier 1 risk-based capital ratio | 11.2774% | 5,616 |
| Total risk-based capital ratio | 12.5301% | 5,520 |
| Memoranda: | ||
| Average total assets | $110,598,000 | 4,870 |
| Average earning assets | $105,397,670 | 4,745 |
| Average equity | $9,547,000 | 5,500 |
| Average total loans | $86,587,330 | 4,376 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0872% | 1,989 |
| Cost of funding earning assets | 2.4341% | 2,163 |
| Net interest margin | 3.6531% | 4,084 |
| Noninterest income to average assets | 0.2141% | 6,766 |
| Noninterest expense to average assets | 3.4649% | 2,184 |
| Loan and lease loss provision to assets | 0.1249% | 5,358 |
| Net operating income to assets | 0.0535% | 6,115 |
| Return on assets (ROA) | 0.0535% | 6,270 |
| Pretax return on assets | 0.0892% | 6,190 |
| Return on Equity (ROE) | 0.6260% | 6,243 |
| Retained earnings to average equity (ytd only) | 0.6260% | 5,407 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1804% | 1,422 |
| Assets per employee ($millions) | 3.2829% | 5,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 4,932 |
| Loan loss allowance to noncurrent loans | 51.5015% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 1.7900% | 3,240 |
| Noncurrent loans to loans | 2.2902% | 2,869 |
| Net loans and leases to total assets | 77.2380% | 1,984 |
| Net loans and leases to deposits | 93.6925% | 2,320 |
| Net loans and leases to core deposits | 122.5766% | 2,199 |
| Total domestic deposits to total assets | 82.4377% | 4,393 |
| Equity capital to assets | 8.6149% | 5,894 |
| Core capital (leverage) ratio | 8.6247% | 5,290 |
| Tier 1 risk-based capital ratio | 11.2527% | 5,645 |
| Total risk-based capital ratio | 12.4834% | 5,577 |
| Memoranda: | ||
| Average total assets | $112,096,000 | 4,852 |
| Average earning assets | $106,321,000 | 4,741 |
| Average equity | $9,585,000 | 5,513 |
| Average total loans | $86,124,000 | 4,422 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6777% | 2,115 |
| Cost of funding earning assets | 2.5581% | 3,912 |
| Net interest margin | 4.1195% | 2,629 |
| Noninterest income to average assets | 0.2720% | 6,506 |
| Noninterest expense to average assets | 3.9473% | 1,489 |
| Loan and lease loss provision to assets | 0.0799% | 6,399 |
| Net operating income to assets | 0.0726% | 6,175 |
| Return on assets (ROA) | 0.0991% | 5,960 |
| Pretax return on assets | 0.1810% | 5,771 |
| Return on Equity (ROE) | 1.0393% | 5,907 |
| Retained earnings to average equity (ytd only) | 1.0393% | 4,603 |
| Net charge-offs to loans | 0.0066% | 6,867 |
| Credit loss provision to net charge-offs | 1,580.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 43.4000% | 850 |
| Efficiency ratio | 94.7343% | 1,235 |
| Assets per employee ($millions) | 3.4113% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 4,783 |
| 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 | 74.6296% | 2,959 |
| Net loans and leases to deposits | 91.3233% | 3,241 |
| Net loans and leases to core deposits | 118.8473% | 2,804 |
| Total domestic deposits to total assets | 81.7201% | 4,309 |
| Equity capital to assets | 8.4870% | 6,106 |
| Core capital (leverage) ratio | 8.8892% | 4,910 |
| Tier 1 risk-based capital ratio | 11.2254% | 5,513 |
| Total risk-based capital ratio | 12.4163% | 5,463 |
| Memoranda: | ||
| Average total assets | $98,902,200 | 5,089 |
| Average earning assets | $93,505,400 | 4,981 |
| Average equity | $9,429,200 | 5,591 |
| Average total loans | $75,356,400 | 4,676 |