Home > Abbeville First Bank, SSB > Performance and Condition Ratios
Abbeville First Bank, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 3,111 |
| Cost of funding earning assets | 1.1302% | 2,987 |
| Net interest margin | 3.3614% | 2,489 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.5175% | 2,246 |
| Loan and lease loss provision to assets | -0.2000% | 4,559 |
| Net operating income to assets | 0.9306% | 2,445 |
| Return on assets (ROA) | 0.8282% | 2,760 |
| Pretax return on assets | 1.0765% | 2,479 |
| Return on Equity (ROE) | 11.9900% | 1,960 |
| Retained earnings to average equity (ytd only) | 11.9886% | 636 |
| Net charge-offs to loans | -0.3016% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.5379% | 1,706 |
| Assets per employee ($millions) | 7.2508% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,297 |
| Loan loss allowance to noncurrent loans | 161.8182% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3570% | 1,533 |
| Noncurrent loans to loans | 0.6186% | 1,276 |
| Net loans and leases to total assets | 57.1300% | 3,112 |
| Net loans and leases to deposits | 67.3669% | 3,079 |
| Net loans and leases to core deposits | 74.1417% | 3,070 |
| Total domestic deposits to total assets | 84.8100% | 2,369 |
| Equity capital to assets | 7.4117% | 3,764 |
| Core capital (leverage) ratio | 9.6944% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $118,808,800 | 3,662 |
| Average earning assets | $112,630,800 | 3,621 |
| Average equity | $8,207,800 | 3,907 |
| Average total loans | $67,312,600 | 3,588 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 3,063 |
| Cost of funding earning assets | 1.0531% | 2,878 |
| Net interest margin | 3.3698% | 2,525 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.4900% | 2,265 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7749% | 3,097 |
| Return on assets (ROA) | 0.7749% | 3,088 |
| Pretax return on assets | 1.0060% | 2,839 |
| Return on Equity (ROE) | 11.4300% | 2,271 |
| Retained earnings to average equity (ytd only) | 11.4344% | 1,080 |
| Net charge-offs to loans | -0.4139% | 4,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.6752% | 1,711 |
| Assets per employee ($millions) | 6.7352% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 1,441 |
| Loan loss allowance to noncurrent loans | 220.9459% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 1,567 |
| Noncurrent loans to loans | 0.6338% | 1,291 |
| Net loans and leases to total assets | 56.9700% | 3,121 |
| Net loans and leases to deposits | 65.8895% | 3,138 |
| Net loans and leases to core deposits | 80.8370% | 2,540 |
| Total domestic deposits to total assets | 86.4700% | 2,049 |
| Equity capital to assets | 6.3109% | 3,893 |
| Core capital (leverage) ratio | 9.4643% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $117,695,000 | 3,678 |
| Average earning assets | $111,536,750 | 3,643 |
| Average equity | $7,975,750 | 3,938 |
| Average total loans | $66,357,250 | 3,613 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3989% | 2,884 |
| Cost of funding earning assets | 0.9004% | 2,928 |
| Net interest margin | 3.4985% | 2,269 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.4838% | 2,253 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8394% | 2,957 |
| Return on assets (ROA) | 0.8394% | 2,967 |
| Pretax return on assets | 1.1329% | 2,556 |
| Return on Equity (ROE) | 12.1000% | 2,125 |
| Retained earnings to average equity (ytd only) | 12.0980% | 966 |
| Net charge-offs to loans | -0.6388% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.0941% | 1,975 |
| Assets per employee ($millions) | 6.4662% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 1,343 |
| Loan loss allowance to noncurrent loans | 488.5000% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 2,351 |
| Noncurrent loans to loans | 0.2973% | 2,075 |
| Net loans and leases to total assets | 56.9700% | 3,046 |
| Net loans and leases to deposits | 65.0661% | 3,122 |
| Net loans and leases to core deposits | 74.9508% | 2,832 |
| Total domestic deposits to total assets | 87.5500% | 1,769 |
| Equity capital to assets | 6.9241% | 3,833 |
| Core capital (leverage) ratio | 9.2999% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $116,515,333 | 3,708 |
| Average earning assets | $110,390,333 | 3,669 |
| Average equity | $8,084,000 | 3,943 |
| Average total loans | $65,125,333 | 3,634 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 3,019 |
| Cost of funding earning assets | 0.5542% | 3,519 |
| Net interest margin | 3.6549% | 2,004 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.4602% | 2,349 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.9607% | 2,651 |
| Return on assets (ROA) | 0.9607% | 2,613 |
| Pretax return on assets | 1.2970% | 2,186 |
| Return on Equity (ROE) | 13.8300% | 1,810 |
| Retained earnings to average equity (ytd only) | 13.8331% | 961 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.9457% | 2,333 |
| Assets per employee ($millions) | 6.8283% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 2,710 |
| Loan loss allowance to noncurrent loans | 365.3846% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 2,258 |
| Noncurrent loans to loans | 0.3205% | 1,998 |
| Net loans and leases to total assets | 55.2600% | 3,094 |
| Net loans and leases to deposits | 62.2168% | 3,213 |
| Net loans and leases to core deposits | 70.3886% | 2,928 |
| Total domestic deposits to total assets | 88.8100% | 1,609 |
| Equity capital to assets | 6.9365% | 3,863 |
| Core capital (leverage) ratio | 9.1558% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $116,577,500 | 3,756 |
| Average earning assets | $110,427,000 | 3,717 |
| Average equity | $8,096,500 | 3,991 |
| Average total loans | $64,048,000 | 3,695 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7508% | 2,404 |
| Cost of funding earning assets | 0.2493% | 3,325 |
| Net interest margin | 3.5015% | 1,928 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.4598% | 2,241 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 0.9259% | 2,864 |
| Return on assets (ROA) | 0.8566% | 3,062 |
| Pretax return on assets | 1.1720% | 2,528 |
| Return on Equity (ROE) | 10.7900% | 2,548 |
| Retained earnings to average equity (ytd only) | 10.7868% | 934 |
| Net charge-offs to loans | 0.0067% | 2,157 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,684 |
| Earnings coverage of net charge-offs (x) | 318.5000% | 470 |
| Efficiency ratio | 67.4169% | 2,034 |
| Assets per employee ($millions) | 6.1618% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 2,446 |
| Loan loss allowance to noncurrent loans | 560.4478% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 2,721 |
| Noncurrent loans to loans | 0.2120% | 2,428 |
| Net loans and leases to total assets | 53.3400% | 3,249 |
| Net loans and leases to deposits | 59.9528% | 3,328 |
| Net loans and leases to core deposits | 61.0161% | 3,447 |
| Total domestic deposits to total assets | 88.9600% | 1,731 |
| Equity capital to assets | 6.9537% | 3,695 |
| Core capital (leverage) ratio | 8.7476% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4848% | 898 |
| Memoranda: | ||
| Average total assets | $107,164,200 | 3,859 |
| Average earning assets | $101,099,600 | 3,829 |
| Average equity | $8,510,400 | 4,047 |
| Average total loans | $59,565,800 | 3,740 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6836% | 2,084 |
| Cost of funding earning assets | 0.2487% | 2,724 |
| Net interest margin | 3.4349% | 1,853 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.4288% | 2,230 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8291% | 3,137 |
| Return on assets (ROA) | 0.8291% | 3,105 |
| Pretax return on assets | 1.1335% | 2,618 |
| Return on Equity (ROE) | 10.0900% | 2,695 |
| Retained earnings to average equity (ytd only) | 10.0895% | 1,318 |
| Net charge-offs to loans | 0.0364% | 1,136 |
| Credit loss provision to net charge-offs | 112.5000% | 1,255 |
| Earnings coverage of net charge-offs (x) | 56.7500% | 1,209 |
| Efficiency ratio | 67.7442% | 2,064 |
| Assets per employee ($millions) | 5.9956% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 1,853 |
| Loan loss allowance to noncurrent loans | 957.4713% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,101 |
| Noncurrent loans to loans | 0.1397% | 2,929 |
| Net loans and leases to total assets | 56.9300% | 2,809 |
| Net loans and leases to deposits | 64.3887% | 2,836 |
| Net loans and leases to core deposits | 65.2233% | 3,005 |
| Total domestic deposits to total assets | 88.4200% | 2,303 |
| Equity capital to assets | 7.2034% | 3,403 |
| Core capital (leverage) ratio | 8.6934% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $104,686,750 | 3,909 |
| Average earning assets | $98,633,500 | 3,873 |
| Average equity | $8,602,750 | 4,082 |
| Average total loans | $58,659,000 | 3,768 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 1,813 |
| Cost of funding earning assets | 0.2665% | 2,066 |
| Net interest margin | 3.3433% | 1,782 |
| Noninterest income to average assets | 0.3513% | 3,048 |
| Noninterest expense to average assets | 2.4071% | 2,206 |
| Loan and lease loss provision to assets | 0.0232% | 2,181 |
| Net operating income to assets | 0.7837% | 3,017 |
| Return on assets (ROA) | 0.7837% | 2,985 |
| Pretax return on assets | 1.0694% | 2,517 |
| Return on Equity (ROE) | 9.1452% | 2,648 |
| Retained earnings to average equity (ytd only) | 9.1452% | 1,243 |
| Net charge-offs to loans | 0.0313% | 1,098 |
| Credit loss provision to net charge-offs | 133.3333% | 1,145 |
| Earnings coverage of net charge-offs (x) | 62.8889% | 1,060 |
| Efficiency ratio | 68.7810% | 2,132 |
| Assets per employee ($millions) | 5.7988% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 1,670 |
| Loan loss allowance to noncurrent loans | 2,316.6667% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 3,637 |
| Noncurrent loans to loans | 0.0613% | 3,495 |
| Net loans and leases to total assets | 55.4767% | 2,807 |
| Net loans and leases to deposits | 63.6204% | 2,755 |
| Net loans and leases to core deposits | 64.4847% | 2,928 |
| Total domestic deposits to total assets | 87.1995% | 2,869 |
| Equity capital to assets | 7.3156% | 3,592 |
| Core capital (leverage) ratio | 8.9198% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,608,667 | 3,959 |
| Average earning assets | $97,568,000 | 3,936 |
| Average equity | $8,879,000 | 4,115 |
| Average total loans | $57,454,000 | 3,836 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5707% | 1,586 |
| Cost of funding earning assets | 0.2548% | 2,106 |
| Net interest margin | 3.3160% | 1,534 |
| Noninterest income to average assets | 0.3565% | 2,958 |
| Noninterest expense to average assets | 2.3522% | 2,331 |
| Loan and lease loss provision to assets | 0.0233% | 1,941 |
| Net operating income to assets | 0.7944% | 2,677 |
| Return on assets (ROA) | 0.7944% | 2,671 |
| Pretax return on assets | 1.1083% | 2,113 |
| Return on Equity (ROE) | 8.6311% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.6311% | 1,388 |
| Net charge-offs to loans | 0.0070% | 1,496 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 292.0000% | 327 |
| Efficiency ratio | 67.5195% | 2,564 |
| Assets per employee ($millions) | 5.8306% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 1,651 |
| Loan loss allowance to noncurrent loans | 1,990.4762% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,632 |
| Noncurrent loans to loans | 0.0739% | 3,478 |
| Net loans and leases to total assets | 53.3830% | 2,832 |
| Net loans and leases to deposits | 62.9329% | 2,634 |
| Net loans and leases to core deposits | 63.8066% | 2,814 |
| Total domestic deposits to total assets | 84.8253% | 3,581 |
| Equity capital to assets | 8.4620% | 3,197 |
| Core capital (leverage) ratio | 9.3180% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,223,500 | 3,978 |
| Average earning assets | $97,347,500 | 3,956 |
| Average equity | $9,500,500 | 4,111 |
| Average total loans | $56,811,000 | 3,851 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0081% | 1,343 |
| Cost of funding earning assets | 0.3824% | 1,662 |
| Net interest margin | 3.6257% | 1,396 |
| Noninterest income to average assets | 0.3684% | 3,228 |
| Noninterest expense to average assets | 2.4759% | 2,255 |
| Loan and lease loss provision to assets | 0.0545% | 1,965 |
| Net operating income to assets | 0.9280% | 2,948 |
| Return on assets (ROA) | 0.9336% | 2,991 |
| Pretax return on assets | 1.2617% | 2,480 |
| Return on Equity (ROE) | 9.3131% | 2,782 |
| Retained earnings to average equity (ytd only) | 9.3131% | 1,097 |
| Net charge-offs to loans | 0.0107% | 2,163 |
| Credit loss provision to net charge-offs | 900.0000% | 565 |
| Earnings coverage of net charge-offs (x) | 216.1667% | 512 |
| Efficiency ratio | 65.4133% | 2,350 |
| Assets per employee ($millions) | 5.9704% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 1,680 |
| Loan loss allowance to noncurrent loans | 3,957.1429% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,932 |
| Noncurrent loans to loans | 0.0370% | 3,812 |
| Net loans and leases to total assets | 55.1046% | 2,722 |
| Net loans and leases to deposits | 66.1741% | 2,498 |
| Net loans and leases to core deposits | 67.1441% | 2,724 |
| Total domestic deposits to total assets | 83.2722% | 3,754 |
| Equity capital to assets | 9.9708% | 2,683 |
| Core capital (leverage) ratio | 9.0278% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,076,000 | 3,995 |
| Average earning assets | $93,360,800 | 3,984 |
| Average equity | $9,932,200 | 4,138 |
| Average total loans | $56,310,800 | 3,891 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1046% | 1,298 |
| Cost of funding earning assets | 0.4097% | 1,626 |
| Net interest margin | 3.6949% | 1,347 |
| Noninterest income to average assets | 0.3588% | 3,309 |
| Noninterest expense to average assets | 2.4304% | 2,343 |
| Loan and lease loss provision to assets | 0.0731% | 1,580 |
| Net operating income to assets | 0.9912% | 2,944 |
| Return on assets (ROA) | 0.9965% | 2,988 |
| Pretax return on assets | 1.3418% | 2,506 |
| Return on Equity (ROE) | 9.9270% | 2,762 |
| Retained earnings to average equity (ytd only) | 9.9270% | 1,343 |
| Net charge-offs to loans | -0.0214% | 3,994 |
| Credit loss provision to net charge-offs | -600.0000% | 3,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3157% | 2,492 |
| Assets per employee ($millions) | 5.6964% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 1,596 |
| Loan loss allowance to noncurrent loans | 3,384.0000% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 4,013 |
| Noncurrent loans to loans | 0.0446% | 3,892 |
| Net loans and leases to total assets | 53.8119% | 2,990 |
| Net loans and leases to deposits | 64.6581% | 2,770 |
| Net loans and leases to core deposits | 65.6334% | 2,987 |
| Total domestic deposits to total assets | 83.2252% | 3,649 |
| Equity capital to assets | 9.8961% | 3,002 |
| Core capital (leverage) ratio | 9.1850% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,471,000 | 4,050 |
| Average earning assets | $92,739,000 | 4,033 |
| Average equity | $9,885,250 | 4,199 |
| Average total loans | $56,198,500 | 3,939 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0281% | 1,503 |
| Cost of funding earning assets | 0.4559% | 1,480 |
| Net interest margin | 3.5723% | 1,655 |
| Noninterest income to average assets | 0.3563% | 3,334 |
| Noninterest expense to average assets | 2.4795% | 2,212 |
| Loan and lease loss provision to assets | 0.0741% | 1,597 |
| Net operating income to assets | 1.1594% | 2,336 |
| Return on assets (ROA) | 1.1594% | 2,398 |
| Pretax return on assets | 1.1594% | 3,030 |
| Return on Equity (ROE) | 11.4921% | 2,241 |
| Retained earnings to average equity (ytd only) | 11.4921% | 1,018 |
| Net charge-offs to loans | -0.0284% | 4,140 |
| Credit loss provision to net charge-offs | -450.0000% | 3,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7776% | 2,046 |
| Assets per employee ($millions) | 5.8333% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 1,768 |
| Loan loss allowance to noncurrent loans | 3,595.6522% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,108 |
| Noncurrent loans to loans | 0.0403% | 3,989 |
| Net loans and leases to total assets | 56.7211% | 2,813 |
| Net loans and leases to deposits | 68.5968% | 2,557 |
| Net loans and leases to core deposits | 69.6734% | 2,815 |
| Total domestic deposits to total assets | 82.6876% | 3,771 |
| Equity capital to assets | 10.2041% | 2,666 |
| Core capital (leverage) ratio | 8.7103% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,116,333 | 4,094 |
| Average earning assets | $91,258,000 | 4,071 |
| Average equity | $9,798,000 | 4,221 |
| Average total loans | $56,257,333 | 3,970 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8685% | 1,914 |
| Cost of funding earning assets | 0.4214% | 1,927 |
| Net interest margin | 3.4470% | 1,969 |
| Noninterest income to average assets | 0.3330% | 3,432 |
| Noninterest expense to average assets | 2.3769% | 2,571 |
| Loan and lease loss provision to assets | 0.0749% | 1,689 |
| Net operating income to assets | 1.1156% | 2,426 |
| Return on assets (ROA) | 1.1156% | 2,505 |
| Pretax return on assets | 1.1156% | 3,077 |
| Return on Equity (ROE) | 11.1232% | 2,327 |
| Retained earnings to average equity (ytd only) | 11.1232% | 1,372 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6278% | 2,143 |
| Assets per employee ($millions) | 5.7285% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 1,861 |
| Loan loss allowance to noncurrent loans | 1,040.2597% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 3,816 |
| Noncurrent loans to loans | 0.1369% | 3,630 |
| Net loans and leases to total assets | 56.9375% | 2,920 |
| Net loans and leases to deposits | 69.8822% | 2,520 |
| Net loans and leases to core deposits | 71.0143% | 2,784 |
| Total domestic deposits to total assets | 81.4764% | 3,990 |
| Equity capital to assets | 9.8045% | 2,891 |
| Core capital (leverage) ratio | 8.9365% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,091,500 | 4,117 |
| Average earning assets | $90,165,000 | 4,098 |
| Average equity | $9,637,500 | 4,254 |
| Average total loans | $55,848,500 | 3,993 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 2,074 |
| Cost of funding earning assets | 0.7931% | 1,243 |
| Net interest margin | 3.4294% | 2,676 |
| Noninterest income to average assets | 0.3732% | 3,248 |
| Noninterest expense to average assets | 2.6023% | 2,539 |
| Loan and lease loss provision to assets | 0.2075% | 1,906 |
| Net operating income to assets | 0.7521% | 3,257 |
| Return on assets (ROA) | 0.8885% | 2,885 |
| Pretax return on assets | 0.8885% | 3,400 |
| Return on Equity (ROE) | 8.7243% | 2,507 |
| Retained earnings to average equity (ytd only) | 8.7243% | 843 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0611% | 1,563 |
| Assets per employee ($millions) | 5.5764% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 1,926 |
| Loan loss allowance to noncurrent loans | 991.1392% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 3,913 |
| Noncurrent loans to loans | 0.1425% | 3,713 |
| Net loans and leases to total assets | 57.6641% | 3,128 |
| Net loans and leases to deposits | 71.3661% | 2,754 |
| Net loans and leases to core deposits | 72.2891% | 3,046 |
| Total domestic deposits to total assets | 80.8004% | 3,909 |
| Equity capital to assets | 10.2607% | 2,874 |
| Core capital (leverage) ratio | 8.4967% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,690,400 | 4,132 |
| Average earning assets | $82,464,600 | 4,127 |
| Average equity | $9,032,200 | 4,313 |
| Average total loans | $53,482,000 | 4,036 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0417% | 2,853 |
| Cost of funding earning assets | 0.8360% | 1,330 |
| Net interest margin | 3.2056% | 3,477 |
| Noninterest income to average assets | 0.3732% | 3,214 |
| Noninterest expense to average assets | 2.6432% | 2,406 |
| Loan and lease loss provision to assets | 0.2283% | 1,776 |
| Net operating income to assets | 0.4757% | 4,098 |
| Return on assets (ROA) | 0.5966% | 3,876 |
| Pretax return on assets | 0.5966% | 4,105 |
| Return on Equity (ROE) | 5.8699% | 3,597 |
| Retained earnings to average equity (ytd only) | 5.8699% | 2,160 |
| Net charge-offs to loans | 0.0075% | 2,851 |
| Credit loss provision to net charge-offs | 4,966.6667% | 234 |
| Earnings coverage of net charge-offs (x) | 153.3333% | 590 |
| Efficiency ratio | 78.9762% | 945 |
| Assets per employee ($millions) | 5.0909% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,224 |
| Loan loss allowance to noncurrent loans | 465.6250% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 3,592 |
| Noncurrent loans to loans | 0.2758% | 3,305 |
| Net loans and leases to total assets | 59.2037% | 3,304 |
| Net loans and leases to deposits | 77.6109% | 2,574 |
| Net loans and leases to core deposits | 78.6621% | 2,949 |
| Total domestic deposits to total assets | 76.2827% | 4,397 |
| Equity capital to assets | 9.7046% | 3,512 |
| Core capital (leverage) ratio | 8.4335% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,163,250 | 4,157 |
| Average earning assets | $80,856,000 | 4,157 |
| Average equity | $8,858,500 | 4,346 |
| Average total loans | $52,990,500 | 4,067 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1326% | 2,962 |
| Cost of funding earning assets | 0.9141% | 1,308 |
| Net interest margin | 3.2185% | 3,614 |
| Noninterest income to average assets | 0.3692% | 3,263 |
| Noninterest expense to average assets | 2.7079% | 2,365 |
| Loan and lease loss provision to assets | 0.2596% | 1,629 |
| Net operating income to assets | 0.3787% | 4,273 |
| Return on assets (ROA) | 0.5668% | 3,918 |
| Pretax return on assets | 0.5668% | 4,124 |
| Return on Equity (ROE) | 5.4824% | 3,681 |
| Retained earnings to average equity (ytd only) | 5.4824% | 2,280 |
| Net charge-offs to loans | 0.0078% | 2,670 |
| Credit loss provision to net charge-offs | 5,450.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 573 |
| Efficiency ratio | 80.9253% | 821 |
| Assets per employee ($millions) | 5.4105% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 2,195 |
| Loan loss allowance to noncurrent loans | 433.1288% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 3,647 |
| Noncurrent loans to loans | 0.2912% | 3,338 |
| Net loans and leases to total assets | 60.0974% | 3,314 |
| Net loans and leases to deposits | 77.3559% | 2,723 |
| Net loans and leases to core deposits | 78.4371% | 3,073 |
| Total domestic deposits to total assets | 77.6895% | 4,230 |
| Equity capital to assets | 9.8522% | 3,324 |
| Core capital (leverage) ratio | 8.5388% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,975,333 | 4,206 |
| Average earning assets | $77,676,000 | 4,204 |
| Average equity | $8,682,333 | 4,378 |
| Average total loans | $51,317,000 | 4,112 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 2,926 |
| Cost of funding earning assets | 0.9771% | 1,527 |
| Net interest margin | 3.3222% | 3,538 |
| Noninterest income to average assets | 0.3951% | 3,135 |
| Noninterest expense to average assets | 2.8259% | 2,355 |
| Loan and lease loss provision to assets | 0.0200% | 3,545 |
| Net operating income to assets | 0.6102% | 3,569 |
| Return on assets (ROA) | 0.6102% | 3,628 |
| Pretax return on assets | 0.6102% | 3,903 |
| Return on Equity (ROE) | 5.7462% | 3,411 |
| Retained earnings to average equity (ytd only) | 5.7462% | 1,977 |
| Net charge-offs to loans | 0.0082% | 2,269 |
| Credit loss provision to net charge-offs | 400.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 492 |
| Efficiency ratio | 81.7656% | 991 |
| Assets per employee ($millions) | 4.7939% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 2,567 |
| Loan loss allowance to noncurrent loans | 362.6506% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 3,666 |
| Noncurrent loans to loans | 0.3362% | 3,291 |
| Net loans and leases to total assets | 59.8557% | 3,509 |
| Net loans and leases to deposits | 81.3298% | 2,541 |
| Net loans and leases to core deposits | 82.7284% | 2,959 |
| Total domestic deposits to total assets | 73.5963% | 4,683 |
| Equity capital to assets | 10.6189% | 3,214 |
| Core capital (leverage) ratio | 9.3902% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,973,500 | 4,268 |
| Average earning assets | $73,686,000 | 4,266 |
| Average equity | $8,492,500 | 4,429 |
| Average total loans | $48,984,000 | 4,175 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 3,357 |
| Cost of funding earning assets | 0.9863% | 1,784 |
| Net interest margin | 3.3767% | 3,805 |
| Noninterest income to average assets | 0.4702% | 2,901 |
| Noninterest expense to average assets | 4.9026% | 229 |
| Loan and lease loss provision to assets | 0.0230% | 3,558 |
| Net operating income to assets | -0.9942% | 5,099 |
| Return on assets (ROA) | -0.9608% | 5,099 |
| Pretax return on assets | -1.2943% | 5,111 |
| Return on Equity (ROE) | -8.3820% | 5,109 |
| Retained earnings to average equity (ytd only) | -8.3820% | 5,044 |
| Net charge-offs to loans | 0.0982% | 1,743 |
| Credit loss provision to net charge-offs | 39.1304% | 3,209 |
| Earnings coverage of net charge-offs (x) | -22.3478% | 3,702 |
| Efficiency ratio | 136.5967% | 56 |
| Assets per employee ($millions) | 4.6148% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 2,272 |
| Loan loss allowance to noncurrent loans | 246.5021% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 3,186 |
| Noncurrent loans to loans | 0.5001% | 2,685 |
| Net loans and leases to total assets | 61.1681% | 3,483 |
| Net loans and leases to deposits | 81.3022% | 2,637 |
| Net loans and leases to core deposits | 82.7205% | 3,067 |
| Total domestic deposits to total assets | 75.2355% | 4,683 |
| Equity capital to assets | 10.6194% | 3,335 |
| Core capital (leverage) ratio | 9.2063% | 4,357 |
| Tier 1 risk-based capital ratio | 16.5623% | 2,197 |
| Total risk-based capital ratio | 17.8146% | 2,135 |
| Memoranda: | ||
| Average total assets | $78,264,600 | 4,317 |
| Average earning assets | $72,290,400 | 4,309 |
| Average equity | $8,971,600 | 4,375 |
| Average total loans | $46,832,800 | 4,243 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 3,478 |
| Cost of funding earning assets | 0.9718% | 1,884 |
| Net interest margin | 3.3894% | 3,888 |
| Noninterest income to average assets | 0.4330% | 3,121 |
| Noninterest expense to average assets | 3.0103% | 1,950 |
| Loan and lease loss provision to assets | 0.0239% | 3,420 |
| Net operating income to assets | 0.5318% | 4,448 |
| Return on assets (ROA) | 0.5369% | 4,490 |
| Pretax return on assets | 0.5369% | 4,640 |
| Return on Equity (ROE) | 4.5992% | 4,455 |
| Retained earnings to average equity (ytd only) | 4.5992% | 3,106 |
| Net charge-offs to loans | 0.1149% | 1,330 |
| Credit loss provision to net charge-offs | 35.0000% | 2,886 |
| Earnings coverage of net charge-offs (x) | 8.1504% | 2,685 |
| Efficiency ratio | 84.4168% | 588 |
| Assets per employee ($millions) | 4.6284% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 2,085 |
| Loan loss allowance to noncurrent loans | 423.2394% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 3,139 |
| Noncurrent loans to loans | 0.3017% | 3,457 |
| Net loans and leases to total assets | 59.0636% | 3,764 |
| Net loans and leases to deposits | 80.3711% | 2,864 |
| Net loans and leases to core deposits | 81.8129% | 3,263 |
| Total domestic deposits to total assets | 73.4886% | 4,836 |
| Equity capital to assets | 12.2415% | 2,083 |
| Core capital (leverage) ratio | 11.0337% | 2,614 |
| Tier 1 risk-based capital ratio | 20.3052% | 1,321 |
| Total risk-based capital ratio | 21.5586% | 1,282 |
| Memoranda: | ||
| Average total assets | $78,218,000 | 4,369 |
| Average earning assets | $72,301,250 | 4,366 |
| Average equity | $9,131,750 | 4,404 |
| Average total loans | $46,394,500 | 4,302 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 3,672 |
| Cost of funding earning assets | 0.9431% | 1,947 |
| Net interest margin | 3.3425% | 4,042 |
| Noninterest income to average assets | 0.4689% | 2,849 |
| Noninterest expense to average assets | 3.0258% | 1,928 |
| Loan and lease loss provision to assets | 0.0231% | 3,343 |
| Net operating income to assets | 0.5073% | 4,513 |
| Return on assets (ROA) | 0.5073% | 4,549 |
| Pretax return on assets | 0.5073% | 4,688 |
| Return on Equity (ROE) | 4.4172% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.4172% | 3,058 |
| Net charge-offs to loans | 0.1603% | 994 |
| Credit loss provision to net charge-offs | 24.3243% | 2,629 |
| Earnings coverage of net charge-offs (x) | 5.5946% | 2,637 |
| Efficiency ratio | 85.0865% | 589 |
| Assets per employee ($millions) | 4.6964% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 2,003 |
| Loan loss allowance to noncurrent loans | 534.8214% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 3,340 |
| Noncurrent loans to loans | 0.2437% | 3,663 |
| Net loans and leases to total assets | 56.8188% | 4,025 |
| Net loans and leases to deposits | 77.6484% | 3,176 |
| Net loans and leases to core deposits | 79.3864% | 3,470 |
| Total domestic deposits to total assets | 73.1744% | 4,891 |
| Equity capital to assets | 11.6436% | 2,491 |
| Core capital (leverage) ratio | 10.7794% | 2,811 |
| Tier 1 risk-based capital ratio | 20.7433% | 1,210 |
| Total risk-based capital ratio | 21.9955% | 1,189 |
| Memoranda: | ||
| Average total assets | $78,063,000 | 4,408 |
| Average earning assets | $72,102,330 | 4,398 |
| Average equity | $8,965,000 | 4,442 |
| Average total loans | $46,168,000 | 4,337 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3295% | 3,468 |
| Cost of funding earning assets | 0.8929% | 2,042 |
| Net interest margin | 3.4367% | 3,789 |
| Noninterest income to average assets | 0.3939% | 3,223 |
| Noninterest expense to average assets | 2.8921% | 2,297 |
| Loan and lease loss provision to assets | 0.0259% | 3,090 |
| Net operating income to assets | 0.6479% | 4,101 |
| Return on assets (ROA) | 0.6479% | 4,134 |
| Pretax return on assets | 0.6479% | 4,423 |
| Return on Equity (ROE) | 5.6821% | 4,123 |
| Retained earnings to average equity (ytd only) | 5.6821% | 2,599 |
| Net charge-offs to loans | 0.0951% | 1,181 |
| Credit loss provision to net charge-offs | 45.4545% | 2,001 |
| Earnings coverage of net charge-offs (x) | 11.8182% | 1,892 |
| Efficiency ratio | 81.1047% | 959 |
| Assets per employee ($millions) | 4.8069% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 1,885 |
| Loan loss allowance to noncurrent loans | 705.6818% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.6969% | 2,015 |
| Noncurrent loans to loans | 0.1908% | 3,902 |
| Net loans and leases to total assets | 59.1697% | 3,773 |
| Net loans and leases to deposits | 79.9326% | 2,845 |
| Net loans and leases to core deposits | 82.1340% | 3,173 |
| Total domestic deposits to total assets | 74.0245% | 4,933 |
| Equity capital to assets | 11.6472% | 2,275 |
| Core capital (leverage) ratio | 10.7226% | 2,827 |
| Tier 1 risk-based capital ratio | 20.8290% | 1,191 |
| Total risk-based capital ratio | 22.0824% | 1,164 |
| Memoranda: | ||
| Average total assets | $77,175,500 | 4,468 |
| Average earning assets | $71,231,500 | 4,464 |
| Average equity | $8,799,500 | 4,500 |
| Average total loans | $46,271,000 | 4,381 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 3,305 |
| Cost of funding earning assets | 0.7381% | 1,859 |
| Net interest margin | 3.5046% | 3,689 |
| Noninterest income to average assets | 0.3584% | 3,697 |
| Noninterest expense to average assets | 3.8976% | 602 |
| Loan and lease loss provision to assets | 0.0686% | 2,768 |
| Net operating income to assets | -0.3649% | 5,306 |
| Return on assets (ROA) | -0.6393% | 5,322 |
| Pretax return on assets | -0.6380% | 5,321 |
| Return on Equity (ROE) | -5.5055% | 5,322 |
| Retained earnings to average equity (ytd only) | -5.5055% | 5,257 |
| Net charge-offs to loans | 0.2600% | 743 |
| Credit loss provision to net charge-offs | 43.8017% | 3,245 |
| Earnings coverage of net charge-offs (x) | -1.8843% | 3,736 |
| Efficiency ratio | 108.1897% | 91 |
| Assets per employee ($millions) | 4.5553% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 1,820 |
| Loan loss allowance to noncurrent loans | 371.0059% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.7399% | 1,880 |
| Noncurrent loans to loans | 0.3641% | 3,230 |
| Net loans and leases to total assets | 59.1245% | 3,858 |
| Net loans and leases to deposits | 80.2587% | 2,928 |
| Net loans and leases to core deposits | 83.2882% | 3,152 |
| Total domestic deposits to total assets | 73.6674% | 4,966 |
| Equity capital to assets | 11.1583% | 2,545 |
| Core capital (leverage) ratio | 10.5498% | 2,968 |
| Tier 1 risk-based capital ratio | 20.5287% | 1,222 |
| Total risk-based capital ratio | 21.7827% | 1,195 |
| Memoranda: | ||
| Average total assets | $77,277,800 | 4,477 |
| Average earning assets | $71,534,800 | 4,466 |
| Average equity | $8,972,800 | 4,465 |
| Average total loans | $46,536,800 | 4,384 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2162% | 3,260 |
| Cost of funding earning assets | 0.7083% | 1,803 |
| Net interest margin | 3.5079% | 3,673 |
| Noninterest income to average assets | 0.3504% | 3,790 |
| Noninterest expense to average assets | 4.3329% | 347 |
| Loan and lease loss provision to assets | 0.0242% | 3,533 |
| Net operating income to assets | -0.7595% | 5,409 |
| Return on assets (ROA) | -1.1255% | 5,422 |
| Pretax return on assets | -1.1238% | 5,420 |
| Return on Equity (ROE) | -9.5995% | 5,417 |
| Retained earnings to average equity (ytd only) | -9.5995% | 5,387 |
| Net charge-offs to loans | 0.0687% | 1,851 |
| Credit loss provision to net charge-offs | 58.3333% | 2,764 |
| Earnings coverage of net charge-offs (x) | -17.7078% | 3,474 |
| Efficiency ratio | 120.3837% | 56 |
| Assets per employee ($millions) | 4.4962% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 1,424 |
| Loan loss allowance to noncurrent loans | 402.9412% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 1,974 |
| Noncurrent loans to loans | 0.3669% | 3,332 |
| Net loans and leases to total assets | 59.7213% | 3,872 |
| Net loans and leases to deposits | 80.5307% | 2,983 |
| Net loans and leases to core deposits | 84.3693% | 3,129 |
| Total domestic deposits to total assets | 74.1597% | 4,963 |
| Equity capital to assets | 11.0120% | 2,653 |
| Core capital (leverage) ratio | 10.3611% | 3,220 |
| Tier 1 risk-based capital ratio | 20.3881% | 1,270 |
| Total risk-based capital ratio | 21.6429% | 1,241 |
| Memoranda: | ||
| Average total assets | $77,237,250 | 4,527 |
| Average earning assets | $71,532,000 | 4,509 |
| Average equity | $9,055,750 | 4,495 |
| Average total loans | $46,567,750 | 4,427 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 3,217 |
| Cost of funding earning assets | 0.6625% | 1,854 |
| Net interest margin | 3.5045% | 3,612 |
| Noninterest income to average assets | 0.3277% | 4,001 |
| Noninterest expense to average assets | 2.9701% | 2,135 |
| Loan and lease loss provision to assets | 0.0232% | 3,455 |
| Net operating income to assets | 0.5806% | 4,560 |
| Return on assets (ROA) | 0.5806% | 4,554 |
| Pretax return on assets | 0.5832% | 4,760 |
| Return on Equity (ROE) | 4.8551% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.8551% | 3,152 |
| Net charge-offs to loans | 0.1029% | 1,325 |
| Credit loss provision to net charge-offs | 37.5000% | 2,580 |
| Earnings coverage of net charge-offs (x) | 9.7917% | 2,372 |
| Efficiency ratio | 83.0447% | 753 |
| Assets per employee ($millions) | 4.1032% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 1,492 |
| Loan loss allowance to noncurrent loans | 607.1429% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.6927% | 2,159 |
| Noncurrent loans to loans | 0.2419% | 3,836 |
| Net loans and leases to total assets | 58.5267% | 3,949 |
| Net loans and leases to deposits | 79.6717% | 2,983 |
| Net loans and leases to core deposits | 83.4196% | 3,127 |
| Total domestic deposits to total assets | 73.4598% | 5,090 |
| Equity capital to assets | 11.9111% | 1,917 |
| Core capital (leverage) ratio | 11.5328% | 2,042 |
| Tier 1 risk-based capital ratio | 22.1081% | 1,024 |
| Total risk-based capital ratio | 23.3628% | 1,009 |
| Memoranda: | ||
| Average total assets | $77,504,670 | 4,560 |
| Average earning assets | $71,851,330 | 4,553 |
| Average equity | $9,268,670 | 4,500 |
| Average total loans | $46,646,000 | 4,467 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1704% | 2,985 |
| Cost of funding earning assets | 0.6365% | 1,801 |
| Net interest margin | 3.5340% | 3,410 |
| Noninterest income to average assets | 0.3261% | 3,976 |
| Noninterest expense to average assets | 3.0488% | 1,950 |
| Loan and lease loss provision to assets | 0.0207% | 3,262 |
| Net operating income to assets | 0.5280% | 4,631 |
| Return on assets (ROA) | 0.5280% | 4,635 |
| Pretax return on assets | 0.5332% | 4,819 |
| Return on Equity (ROE) | 4.4060% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.4060% | 3,430 |
| Net charge-offs to loans | -0.0085% | 4,187 |
| Credit loss provision to net charge-offs | -400.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6264% | 753 |
| Assets per employee ($millions) | 4.0455% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 1,471 |
| Loan loss allowance to noncurrent loans | 445.8599% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 2,129 |
| Noncurrent loans to loans | 0.3362% | 3,558 |
| Net loans and leases to total assets | 59.8382% | 3,763 |
| Net loans and leases to deposits | 80.7252% | 2,727 |
| Net loans and leases to core deposits | 83.9812% | 2,980 |
| Total domestic deposits to total assets | 74.1257% | 5,142 |
| Equity capital to assets | 12.0017% | 1,786 |
| Core capital (leverage) ratio | 11.4048% | 2,082 |
| Tier 1 risk-based capital ratio | 21.8870% | 1,067 |
| Total risk-based capital ratio | 23.1444% | 1,042 |
| Memoranda: | ||
| Average total assets | $77,276,500 | 4,621 |
| Average earning assets | $71,647,000 | 4,603 |
| Average equity | $9,260,000 | 4,548 |
| Average total loans | $46,815,000 | 4,511 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 2,760 |
| Cost of funding earning assets | 0.6051% | 1,564 |
| Net interest margin | 3.5749% | 3,249 |
| Noninterest income to average assets | 0.3166% | 4,201 |
| Noninterest expense to average assets | 2.9553% | 2,278 |
| Loan and lease loss provision to assets | 0.0339% | 3,585 |
| Net operating income to assets | 1.2157% | 1,465 |
| Return on assets (ROA) | 1.2444% | 1,397 |
| Pretax return on assets | 0.6971% | 4,515 |
| Return on Equity (ROE) | 11.0285% | 1,470 |
| Retained earnings to average equity (ytd only) | 11.0285% | 245 |
| Net charge-offs to loans | 0.1214% | 1,834 |
| Credit loss provision to net charge-offs | 47.2727% | 3,361 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 2,747 |
| Efficiency ratio | 80.7980% | 1,029 |
| Assets per employee ($millions) | 4.0889% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 1,477 |
| Loan loss allowance to noncurrent loans | 992.8571% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 2,516 |
| Noncurrent loans to loans | 0.1491% | 4,329 |
| Net loans and leases to total assets | 59.5207% | 3,876 |
| Net loans and leases to deposits | 80.9230% | 2,823 |
| Net loans and leases to core deposits | 83.7897% | 3,072 |
| Total domestic deposits to total assets | 73.5522% | 5,224 |
| Equity capital to assets | 11.9644% | 1,853 |
| Core capital (leverage) ratio | 12.1218% | 1,546 |
| Tier 1 risk-based capital ratio | 23.1441% | 897 |
| Total risk-based capital ratio | 24.3997% | 879 |
| Memoranda: | ||
| Average total assets | $76,744,400 | 4,651 |
| Average earning assets | $71,722,000 | 4,633 |
| Average equity | $8,659,400 | 4,674 |
| Average total loans | $45,300,200 | 4,583 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1681% | 2,722 |
| Cost of funding earning assets | 0.6047% | 1,500 |
| Net interest margin | 3.5633% | 3,282 |
| Noninterest income to average assets | 0.3538% | 4,004 |
| Noninterest expense to average assets | 2.9033% | 2,395 |
| Loan and lease loss provision to assets | 0.0349% | 3,419 |
| Net operating income to assets | 0.7528% | 3,723 |
| Return on assets (ROA) | 0.7528% | 3,783 |
| Pretax return on assets | 0.7528% | 4,477 |
| Return on Equity (ROE) | 6.7760% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.7760% | 1,808 |
| Net charge-offs to loans | 0.1663% | 1,248 |
| Credit loss provision to net charge-offs | 35.7143% | 3,034 |
| Earnings coverage of net charge-offs (x) | 8.0719% | 2,817 |
| Efficiency ratio | 78.6591% | 1,252 |
| Assets per employee ($millions) | 4.0444% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5239% | 1,448 |
| Loan loss allowance to noncurrent loans | 245.7143% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 2,739 |
| Noncurrent loans to loans | 0.6202% | 2,851 |
| Net loans and leases to total assets | 57.8582% | 4,072 |
| Net loans and leases to deposits | 78.7363% | 3,093 |
| Net loans and leases to core deposits | 81.7430% | 3,310 |
| Total domestic deposits to total assets | 73.4836% | 5,279 |
| Equity capital to assets | 11.5300% | 2,331 |
| Core capital (leverage) ratio | 11.4272% | 2,076 |
| Tier 1 risk-based capital ratio | 22.9955% | 949 |
| Total risk-based capital ratio | 24.2517% | 933 |
| Memoranda: | ||
| Average total assets | $76,508,250 | 4,703 |
| Average earning assets | $71,653,750 | 4,682 |
| Average equity | $8,500,500 | 4,750 |
| Average total loans | $44,891,250 | 4,638 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1504% | 2,664 |
| Cost of funding earning assets | 0.6017% | 1,435 |
| Net interest margin | 3.5487% | 3,219 |
| Noninterest income to average assets | 0.3639% | 3,954 |
| Noninterest expense to average assets | 2.9949% | 2,126 |
| Loan and lease loss provision to assets | 0.0367% | 3,273 |
| Net operating income to assets | 0.6519% | 4,070 |
| Return on assets (ROA) | 0.6519% | 4,124 |
| Pretax return on assets | 0.6519% | 4,680 |
| Return on Equity (ROE) | 5.9422% | 4,074 |
| Retained earnings to average equity (ytd only) | 5.9422% | 2,154 |
| Net charge-offs to loans | -0.0179% | 4,737 |
| Credit loss provision to net charge-offs | -350.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3077% | 1,076 |
| Assets per employee ($millions) | 4.0041% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 1,165 |
| Loan loss allowance to noncurrent loans | 226.2195% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.6612% | 2,565 |
| Noncurrent loans to loans | 0.7279% | 2,568 |
| Net loans and leases to total assets | 58.2594% | 3,999 |
| Net loans and leases to deposits | 79.7058% | 2,946 |
| Net loans and leases to core deposits | 82.8216% | 3,190 |
| Total domestic deposits to total assets | 73.0931% | 5,379 |
| Equity capital to assets | 11.4897% | 2,327 |
| Core capital (leverage) ratio | 11.1836% | 2,237 |
| Tier 1 risk-based capital ratio | 22.7245% | 973 |
| Total risk-based capital ratio | 23.9846% | 955 |
| Memoranda: | ||
| Average total assets | $76,396,670 | 4,740 |
| Average earning assets | $71,462,670 | 4,710 |
| Average equity | $8,380,670 | 4,787 |
| Average total loans | $44,805,670 | 4,667 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1532% | 2,461 |
| Cost of funding earning assets | 0.5917% | 1,432 |
| Net interest margin | 3.5615% | 3,038 |
| Noninterest income to average assets | 0.3083% | 4,349 |
| Noninterest expense to average assets | 2.9939% | 2,179 |
| Loan and lease loss provision to assets | 0.0418% | 2,966 |
| Net operating income to assets | 0.6061% | 4,133 |
| Return on assets (ROA) | 0.6061% | 4,185 |
| Pretax return on assets | 0.6061% | 4,715 |
| Return on Equity (ROE) | 5.6582% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.6582% | 2,514 |
| Net charge-offs to loans | -0.0179% | 4,681 |
| Credit loss provision to net charge-offs | -400.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2095% | 1,137 |
| Assets per employee ($millions) | 4.0429% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6421% | 1,268 |
| Loan loss allowance to noncurrent loans | 225.1534% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 2,680 |
| Noncurrent loans to loans | 0.7293% | 2,674 |
| Net loans and leases to total assets | 57.2342% | 4,040 |
| Net loans and leases to deposits | 78.7889% | 2,893 |
| Net loans and leases to core deposits | 82.2406% | 3,072 |
| Total domestic deposits to total assets | 72.6424% | 5,509 |
| Equity capital to assets | 10.7777% | 2,881 |
| Core capital (leverage) ratio | 10.6787% | 2,705 |
| Tier 1 risk-based capital ratio | 21.5776% | 1,140 |
| Total risk-based capital ratio | 22.8370% | 1,117 |
| Memoranda: | ||
| Average total assets | $76,556,500 | 4,780 |
| Average earning assets | $71,655,500 | 4,754 |
| Average equity | $8,200,500 | 4,860 |
| Average total loans | $44,676,500 | 4,709 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 2,506 |
| Cost of funding earning assets | 0.6606% | 1,000 |
| Net interest margin | 3.5340% | 3,303 |
| Noninterest income to average assets | 0.3155% | 4,475 |
| Noninterest expense to average assets | 2.8559% | 2,828 |
| Loan and lease loss provision to assets | 0.0658% | 3,047 |
| Net operating income to assets | 1.0672% | 2,049 |
| Return on assets (ROA) | 1.3566% | 1,133 |
| Pretax return on assets | 0.9561% | 3,633 |
| Return on Equity (ROE) | 12.2075% | 1,188 |
| Retained earnings to average equity (ytd only) | 12.2075% | 207 |
| Net charge-offs to loans | -0.0300% | 5,246 |
| Credit loss provision to net charge-offs | -369.2308% | 5,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5872% | 1,471 |
| Assets per employee ($millions) | 4.0156% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6214% | 1,324 |
| Loan loss allowance to noncurrent loans | 164.5455% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 2,337 |
| Noncurrent loans to loans | 0.9854% | 2,123 |
| Net loans and leases to total assets | 57.5776% | 4,111 |
| Net loans and leases to deposits | 80.2199% | 2,865 |
| Net loans and leases to core deposits | 84.2023% | 3,005 |
| Total domestic deposits to total assets | 71.7748% | 5,574 |
| Equity capital to assets | 10.6452% | 2,985 |
| Core capital (leverage) ratio | 10.7706% | 2,564 |
| Tier 1 risk-based capital ratio | 21.1289% | 1,186 |
| Total risk-based capital ratio | 22.3877% | 1,171 |
| Memoranda: | ||
| Average total assets | $72,901,800 | 4,870 |
| Average earning assets | $67,515,600 | 4,857 |
| Average equity | $8,101,600 | 4,918 |
| Average total loans | $43,352,600 | 4,774 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2424% | 2,370 |
| Cost of funding earning assets | 0.6854% | 877 |
| Net interest margin | 3.5570% | 3,243 |
| Noninterest income to average assets | 0.3201% | 4,483 |
| Noninterest expense to average assets | 2.8201% | 2,935 |
| Loan and lease loss provision to assets | 0.0666% | 2,892 |
| Net operating income to assets | 0.7180% | 3,751 |
| Return on assets (ROA) | 1.1084% | 2,063 |
| Pretax return on assets | 1.1084% | 3,195 |
| Return on Equity (ROE) | 9.8641% | 2,111 |
| Retained earnings to average equity (ytd only) | 9.8641% | 598 |
| Net charge-offs to loans | -0.0279% | 5,135 |
| Credit loss provision to net charge-offs | -400.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2341% | 1,656 |
| Assets per employee ($millions) | 4.0576% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6375% | 1,362 |
| Loan loss allowance to noncurrent loans | 112.7389% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.0995% | 1,851 |
| Noncurrent loans to loans | 1.4525% | 1,492 |
| Net loans and leases to total assets | 58.2302% | 4,076 |
| Net loans and leases to deposits | 78.5552% | 3,125 |
| Net loans and leases to core deposits | 82.5101% | 3,245 |
| Total domestic deposits to total assets | 74.1265% | 5,421 |
| Equity capital to assets | 11.4409% | 2,559 |
| Core capital (leverage) ratio | 10.7111% | 2,776 |
| Tier 1 risk-based capital ratio | 21.9567% | 1,143 |
| Total risk-based capital ratio | 23.2159% | 1,121 |
| Memoranda: | ||
| Average total assets | $72,053,000 | 4,929 |
| Average earning assets | $66,533,250 | 4,919 |
| Average equity | $8,096,500 | 4,967 |
| Average total loans | $43,027,250 | 4,826 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 2,295 |
| Cost of funding earning assets | 0.7067% | 776 |
| Net interest margin | 3.5546% | 3,281 |
| Noninterest income to average assets | 0.2900% | 4,712 |
| Noninterest expense to average assets | 2.7800% | 3,091 |
| Loan and lease loss provision to assets | 0.0669% | 2,801 |
| Net operating income to assets | 0.7110% | 3,740 |
| Return on assets (ROA) | 1.2994% | 1,381 |
| Pretax return on assets | 1.2994% | 2,414 |
| Return on Equity (ROE) | 11.6355% | 1,435 |
| Retained earnings to average equity (ytd only) | 11.6355% | 374 |
| Net charge-offs to loans | -0.0466% | 5,336 |
| Credit loss provision to net charge-offs | -240.0000% | 4,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1348% | 1,767 |
| Assets per employee ($millions) | 3.9385% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 1,530 |
| Loan loss allowance to noncurrent loans | 410.0000% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.4610% | 3,672 |
| Noncurrent loans to loans | 0.3901% | 3,964 |
| Net loans and leases to total assets | 57.3070% | 4,187 |
| Net loans and leases to deposits | 77.6771% | 3,185 |
| Net loans and leases to core deposits | 81.5006% | 3,324 |
| Total domestic deposits to total assets | 73.7759% | 5,542 |
| Equity capital to assets | 11.0020% | 3,057 |
| Core capital (leverage) ratio | 10.5838% | 2,868 |
| Tier 1 risk-based capital ratio | 21.0039% | 1,267 |
| Total risk-based capital ratio | 22.2607% | 1,254 |
| Memoranda: | ||
| Average total assets | $71,725,330 | 4,987 |
| Average earning assets | $65,942,670 | 4,980 |
| Average equity | $8,010,000 | 5,022 |
| Average total loans | $42,957,330 | 4,865 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 2,062 |
| Cost of funding earning assets | 0.7439% | 653 |
| Net interest margin | 3.5771% | 3,177 |
| Noninterest income to average assets | 0.2964% | 4,605 |
| Noninterest expense to average assets | 2.7361% | 3,291 |
| Loan and lease loss provision to assets | 0.0684% | 2,586 |
| Net operating income to assets | 0.7809% | 3,350 |
| Return on assets (ROA) | 1.9837% | 362 |
| Pretax return on assets | 1.9837% | 588 |
| Return on Equity (ROE) | 17.6236% | 389 |
| Retained earnings to average equity (ytd only) | 17.6236% | 136 |
| Net charge-offs to loans | -0.1407% | 5,754 |
| Credit loss provision to net charge-offs | -80.0000% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3116% | 2,135 |
| Assets per employee ($millions) | 3.7841% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 1,575 |
| Loan loss allowance to noncurrent loans | 237.1134% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 3,086 |
| Noncurrent loans to loans | 0.6796% | 3,140 |
| Net loans and leases to total assets | 58.5997% | 3,976 |
| Net loans and leases to deposits | 80.1842% | 2,766 |
| Net loans and leases to core deposits | 85.1323% | 2,833 |
| Total domestic deposits to total assets | 73.0813% | 5,693 |
| Equity capital to assets | 11.1575% | 2,765 |
| Core capital (leverage) ratio | 10.9050% | 2,496 |
| Tier 1 risk-based capital ratio | 20.8494% | 1,339 |
| Total risk-based capital ratio | 22.1077% | 1,313 |
| Memoranda: | ||
| Average total assets | $70,172,000 | 5,067 |
| Average earning assets | $64,522,000 | 5,061 |
| Average equity | $7,898,500 | 5,073 |
| Average total loans | $42,645,500 | 4,910 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 1,635 |
| Cost of funding earning assets | 0.7402% | 667 |
| Net interest margin | 3.7479% | 2,565 |
| Noninterest income to average assets | 0.2687% | 4,947 |
| Noninterest expense to average assets | 2.9307% | 2,761 |
| Loan and lease loss provision to assets | 0.1336% | 1,785 |
| Net operating income to assets | 0.6399% | 4,087 |
| Return on assets (ROA) | 0.6607% | 4,079 |
| Pretax return on assets | 0.6607% | 4,645 |
| Return on Equity (ROE) | 5.8627% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.8627% | 1,863 |
| Net charge-offs to loans | 0.2476% | 1,215 |
| Credit loss provision to net charge-offs | 89.1089% | 2,774 |
| Earnings coverage of net charge-offs (x) | 5.1584% | 3,430 |
| Efficiency ratio | 79.1182% | 1,800 |
| Assets per employee ($millions) | 3.8026% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 1,754 |
| Loan loss allowance to noncurrent loans | 184.1667% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 2,696 |
| Noncurrent loans to loans | 0.8477% | 2,669 |
| Net loans and leases to total assets | 61.0788% | 3,682 |
| Net loans and leases to deposits | 85.5856% | 2,177 |
| Net loans and leases to core deposits | 90.1885% | 2,385 |
| Total domestic deposits to total assets | 71.3657% | 5,829 |
| Equity capital to assets | 11.3593% | 2,487 |
| Core capital (leverage) ratio | 10.7662% | 2,637 |
| Tier 1 risk-based capital ratio | 20.4852% | 1,385 |
| Total risk-based capital ratio | 21.7411% | 1,360 |
| Memoranda: | ||
| Average total assets | $67,356,000 | 5,148 |
| Average earning assets | $61,741,000 | 5,135 |
| Average equity | $7,590,400 | 5,132 |
| Average total loans | $40,786,600 | 4,975 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4954% | 1,606 |
| Cost of funding earning assets | 0.7330% | 706 |
| Net interest margin | 3.7625% | 2,517 |
| Noninterest income to average assets | 0.2643% | 5,046 |
| Noninterest expense to average assets | 2.8402% | 3,038 |
| Loan and lease loss provision to assets | 0.1351% | 1,659 |
| Net operating income to assets | 0.7374% | 3,735 |
| Return on assets (ROA) | 0.7592% | 3,738 |
| Pretax return on assets | 0.7592% | 4,461 |
| Return on Equity (ROE) | 6.7511% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.7511% | 1,808 |
| Net charge-offs to loans | 0.2345% | 1,121 |
| Credit loss provision to net charge-offs | 95.7746% | 2,373 |
| Earnings coverage of net charge-offs (x) | 6.1834% | 3,088 |
| Efficiency ratio | 76.4989% | 2,159 |
| Assets per employee ($millions) | 4.5061% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6048% | 1,778 |
| Loan loss allowance to noncurrent loans | 197.3529% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 2,959 |
| Noncurrent loans to loans | 0.8132% | 2,935 |
| Net loans and leases to total assets | 60.8652% | 3,754 |
| Net loans and leases to deposits | 85.4680% | 2,210 |
| Net loans and leases to core deposits | 90.6467% | 2,395 |
| Total domestic deposits to total assets | 71.2140% | 5,918 |
| Equity capital to assets | 11.4067% | 2,580 |
| Core capital (leverage) ratio | 10.7741% | 2,743 |
| Tier 1 risk-based capital ratio | 20.3574% | 1,466 |
| Total risk-based capital ratio | 21.6161% | 1,432 |
| Memoranda: | ||
| Average total assets | $67,083,500 | 5,219 |
| Average earning assets | $61,483,000 | 5,210 |
| Average equity | $7,544,250 | 5,205 |
| Average total loans | $40,366,000 | 5,046 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 1,548 |
| Cost of funding earning assets | 0.7277% | 729 |
| Net interest margin | 3.7692% | 2,444 |
| Noninterest income to average assets | 0.2451% | 5,203 |
| Noninterest expense to average assets | 2.7737% | 3,337 |
| Loan and lease loss provision to assets | 0.1345% | 1,630 |
| Net operating income to assets | 0.7891% | 3,443 |
| Return on assets (ROA) | 0.7891% | 3,542 |
| Pretax return on assets | 0.7891% | 4,352 |
| Return on Equity (ROE) | 7.0503% | 3,578 |
| Retained earnings to average equity (ytd only) | 7.0503% | 1,679 |
| Net charge-offs to loans | 0.1003% | 2,007 |
| Credit loss provision to net charge-offs | 225.0000% | 1,126 |
| Earnings coverage of net charge-offs (x) | 15.4500% | 1,974 |
| Efficiency ratio | 75.0202% | 2,532 |
| Assets per employee ($millions) | 4.7981% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7112% | 1,573 |
| Loan loss allowance to noncurrent loans | 169.2494% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 2,605 |
| Noncurrent loans to loans | 1.0111% | 2,625 |
| Net loans and leases to total assets | 59.7696% | 3,869 |
| Net loans and leases to deposits | 83.8499% | 2,328 |
| Net loans and leases to core deposits | 88.9512% | 2,459 |
| Total domestic deposits to total assets | 71.2816% | 5,973 |
| Equity capital to assets | 11.2828% | 2,586 |
| Core capital (leverage) ratio | 10.5839% | 2,862 |
| Tier 1 risk-based capital ratio | 20.5751% | 1,436 |
| Total risk-based capital ratio | 21.8339% | 1,411 |
| Memoranda: | ||
| Average total assets | $66,914,000 | 5,282 |
| Average earning assets | $61,286,330 | 5,271 |
| Average equity | $7,489,000 | 5,263 |
| Average total loans | $39,884,330 | 5,113 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 1,490 |
| Cost of funding earning assets | 0.7268% | 749 |
| Net interest margin | 3.7649% | 2,375 |
| Noninterest income to average assets | 0.2216% | 5,365 |
| Noninterest expense to average assets | 2.8629% | 3,026 |
| Loan and lease loss provision to assets | 0.1318% | 1,571 |
| Net operating income to assets | 0.6708% | 3,947 |
| Return on assets (ROA) | 0.6708% | 4,070 |
| Pretax return on assets | 0.6708% | 4,688 |
| Return on Equity (ROE) | 6.0183% | 4,034 |
| Retained earnings to average equity (ytd only) | 6.0183% | 2,499 |
| Net charge-offs to loans | 0.3045% | 779 |
| Credit loss provision to net charge-offs | 73.3333% | 1,888 |
| Earnings coverage of net charge-offs (x) | 4.4667% | 2,492 |
| Efficiency ratio | 78.1046% | 2,174 |
| Assets per employee ($millions) | 4.7979% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6619% | 1,843 |
| Loan loss allowance to noncurrent loans | 173.4375% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 1.0377% | 2,546 |
| Noncurrent loans to loans | 0.9582% | 2,864 |
| Net loans and leases to total assets | 58.6682% | 3,849 |
| Net loans and leases to deposits | 82.1856% | 2,321 |
| Net loans and leases to core deposits | 87.1704% | 2,416 |
| Total domestic deposits to total assets | 71.3850% | 6,066 |
| Equity capital to assets | 11.1923% | 2,761 |
| Core capital (leverage) ratio | 10.3376% | 3,178 |
| Tier 1 risk-based capital ratio | 20.1518% | 1,584 |
| Total risk-based capital ratio | 21.4083% | 1,553 |
| Memoranda: | ||
| Average total assets | $66,784,500 | 5,337 |
| Average earning assets | $61,090,500 | 5,327 |
| Average equity | $7,444,000 | 5,320 |
| Average total loans | $39,402,500 | 5,158 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 1,961 |
| Cost of funding earning assets | 0.7050% | 1,075 |
| Net interest margin | 3.7739% | 2,716 |
| Noninterest income to average assets | 0.2765% | 5,138 |
| Noninterest expense to average assets | 3.0427% | 2,714 |
| Loan and lease loss provision to assets | 0.1115% | 2,308 |
| Net operating income to assets | 0.5678% | 4,518 |
| Return on assets (ROA) | 1.0999% | 2,030 |
| Pretax return on assets | 1.0999% | 3,084 |
| Return on Equity (ROE) | 10.4476% | 1,931 |
| Retained earnings to average equity (ytd only) | 10.4476% | 450 |
| Net charge-offs to loans | -0.0163% | 5,662 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7492% | 1,690 |
| Assets per employee ($millions) | 4.7427% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 1,679 |
| Loan loss allowance to noncurrent loans | 133.9960% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.3555% | 2,065 |
| Noncurrent loans to loans | 1.2987% | 2,279 |
| Net loans and leases to total assets | 57.3165% | 4,150 |
| Net loans and leases to deposits | 79.6622% | 2,765 |
| Net loans and leases to core deposits | 83.2684% | 2,975 |
| Total domestic deposits to total assets | 71.9495% | 6,089 |
| Equity capital to assets | 11.0997% | 2,810 |
| Core capital (leverage) ratio | 10.2606% | 3,232 |
| Tier 1 risk-based capital ratio | 19.8250% | 1,632 |
| Total risk-based capital ratio | 21.0837% | 1,602 |
| Memoranda: | ||
| Average total assets | $67,276,000 | 5,360 |
| Average earning assets | $61,422,600 | 5,357 |
| Average equity | $7,083,000 | 5,394 |
| Average total loans | $36,726,600 | 5,300 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5051% | 1,851 |
| Cost of funding earning assets | 0.7011% | 1,149 |
| Net interest margin | 3.8040% | 2,608 |
| Noninterest income to average assets | 0.2746% | 5,242 |
| Noninterest expense to average assets | 2.8505% | 3,283 |
| Loan and lease loss provision to assets | 0.1086% | 2,226 |
| Net operating income to assets | 0.7882% | 3,475 |
| Return on assets (ROA) | 1.3670% | 1,240 |
| Pretax return on assets | 1.3670% | 2,128 |
| Return on Equity (ROE) | 13.1594% | 1,183 |
| Retained earnings to average equity (ytd only) | 13.1594% | 313 |
| Net charge-offs to loans | 0.0478% | 3,540 |
| Credit loss provision to net charge-offs | 423.0769% | 664 |
| Earnings coverage of net charge-offs (x) | 34.9290% | 1,239 |
| Efficiency ratio | 76.0675% | 2,482 |
| Assets per employee ($millions) | 4.7522% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7045% | 1,955 |
| Loan loss allowance to noncurrent loans | 107.4450% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.5346% | 2,002 |
| Noncurrent loans to loans | 1.5864% | 2,049 |
| Net loans and leases to total assets | 55.0420% | 4,456 |
| Net loans and leases to deposits | 76.0145% | 3,180 |
| Net loans and leases to core deposits | 79.0331% | 3,435 |
| Total domestic deposits to total assets | 72.4099% | 6,143 |
| Equity capital to assets | 11.0430% | 2,909 |
| Core capital (leverage) ratio | 10.0355% | 3,629 |
| Tier 1 risk-based capital ratio | 20.2661% | 1,597 |
| Total risk-based capital ratio | 21.5236% | 1,564 |
| Memoranda: | ||
| Average total assets | $67,495,500 | 5,413 |
| Average earning assets | $61,617,500 | 5,417 |
| Average equity | $7,011,250 | 5,460 |
| Average total loans | $36,225,500 | 5,374 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5219% | 1,762 |
| Cost of funding earning assets | 0.6987% | 1,194 |
| Net interest margin | 3.8232% | 2,472 |
| Noninterest income to average assets | 0.3156% | 4,886 |
| Noninterest expense to average assets | 2.8606% | 3,307 |
| Loan and lease loss provision to assets | 0.1327% | 1,869 |
| Net operating income to assets | 0.8081% | 3,282 |
| Return on assets (ROA) | 1.6427% | 679 |
| Pretax return on assets | 1.6427% | 1,156 |
| Return on Equity (ROE) | 16.1465% | 645 |
| Retained earnings to average equity (ytd only) | 16.1465% | 168 |
| Net charge-offs to loans | 0.1951% | 1,859 |
| Credit loss provision to net charge-offs | 128.5714% | 1,620 |
| Earnings coverage of net charge-offs (x) | 9.1143% | 2,401 |
| Efficiency ratio | 75.2521% | 2,767 |
| Assets per employee ($millions) | 5.2456% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6623% | 2,254 |
| Loan loss allowance to noncurrent loans | 131.3725% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.4166% | 2,307 |
| Noncurrent loans to loans | 1.2653% | 2,693 |
| Net loans and leases to total assets | 52.3104% | 4,716 |
| Net loans and leases to deposits | 70.2440% | 3,798 |
| Net loans and leases to core deposits | 73.2981% | 3,922 |
| Total domestic deposits to total assets | 74.4695% | 6,065 |
| Equity capital to assets | 10.7078% | 3,193 |
| Core capital (leverage) ratio | 10.0355% | 3,564 |
| Tier 1 risk-based capital ratio | 20.8347% | 1,480 |
| Total risk-based capital ratio | 22.0907% | 1,456 |
| Memoranda: | ||
| Average total assets | $67,817,000 | 5,453 |
| Average earning assets | $61,833,000 | 5,459 |
| Average equity | $6,899,330 | 5,509 |
| Average total loans | $35,882,330 | 5,423 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 1,387 |
| Cost of funding earning assets | 0.7084% | 1,199 |
| Net interest margin | 3.9384% | 1,958 |
| Noninterest income to average assets | 0.2957% | 5,001 |
| Noninterest expense to average assets | 2.9573% | 3,024 |
| Loan and lease loss provision to assets | 0.1479% | 1,643 |
| Net operating income to assets | 0.7748% | 3,282 |
| Return on assets (ROA) | 0.7748% | 3,364 |
| Pretax return on assets | 0.7748% | 4,203 |
| Return on Equity (ROE) | 7.8232% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.8232% | 1,675 |
| Net charge-offs to loans | -0.4484% | 6,541 |
| Credit loss provision to net charge-offs | -62.5000% | 4,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2195% | 2,763 |
| Assets per employee ($millions) | 5.1858% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 1,971 |
| Loan loss allowance to noncurrent loans | 120.2925% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.7563% | 2,002 |
| Noncurrent loans to loans | 1.5164% | 2,523 |
| Net loans and leases to total assets | 52.5306% | 4,609 |
| Net loans and leases to deposits | 70.2060% | 3,576 |
| Net loans and leases to core deposits | 73.2754% | 3,735 |
| Total domestic deposits to total assets | 74.8235% | 6,172 |
| Equity capital to assets | 10.2008% | 3,598 |
| Core capital (leverage) ratio | 9.4906% | 4,295 |
| Tier 1 risk-based capital ratio | 18.6283% | 2,084 |
| Total risk-based capital ratio | 19.8849% | 2,044 |
| Memoranda: | ||
| Average total assets | $67,629,000 | 5,518 |
| Average earning assets | $61,547,500 | 5,522 |
| Average equity | $6,698,000 | 5,590 |
| Average total loans | $35,686,000 | 5,471 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 2,406 |
| Cost of funding earning assets | 0.7658% | 1,403 |
| Net interest margin | 3.6804% | 3,132 |
| Noninterest income to average assets | 0.1999% | 5,889 |
| Noninterest expense to average assets | 3.0954% | 2,745 |
| Loan and lease loss provision to assets | 0.1669% | 2,192 |
| Net operating income to assets | 0.2834% | 5,579 |
| Return on assets (ROA) | 0.5682% | 4,526 |
| Pretax return on assets | 0.5682% | 4,976 |
| Return on Equity (ROE) | 5.9024% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.9024% | 2,035 |
| Net charge-offs to loans | 0.8505% | 726 |
| Credit loss provision to net charge-offs | 38.9262% | 4,066 |
| Earnings coverage of net charge-offs (x) | 1.0503% | 4,727 |
| Efficiency ratio | 87.3022% | 1,291 |
| Assets per employee ($millions) | 4.8459% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 2,462 |
| Loan loss allowance to noncurrent loans | 87.9822% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.0430% | 1,759 |
| Noncurrent loans to loans | 1.9093% | 2,108 |
| Net loans and leases to total assets | 51.1586% | 4,955 |
| Net loans and leases to deposits | 68.1211% | 4,038 |
| Net loans and leases to core deposits | 71.0641% | 4,180 |
| Total domestic deposits to total assets | 75.0995% | 6,185 |
| Equity capital to assets | 9.6091% | 4,275 |
| Core capital (leverage) ratio | 9.2640% | 4,612 |
| Tier 1 risk-based capital ratio | 18.1862% | 2,188 |
| Total risk-based capital ratio | 19.4410% | 2,148 |
| Memoranda: | ||
| Average total assets | $69,521,400 | 5,494 |
| Average earning assets | $63,198,800 | 5,497 |
| Average equity | $6,692,200 | 5,648 |
| Average total loans | $35,037,200 | 5,536 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 2,396 |
| Cost of funding earning assets | 0.7780% | 1,437 |
| Net interest margin | 3.6782% | 3,117 |
| Noninterest income to average assets | 0.1906% | 6,045 |
| Noninterest expense to average assets | 3.0348% | 2,871 |
| Loan and lease loss provision to assets | 0.0439% | 4,135 |
| Net operating income to assets | 0.4556% | 5,007 |
| Return on assets (ROA) | 0.4823% | 5,037 |
| Pretax return on assets | 0.4823% | 5,408 |
| Return on Equity (ROE) | 5.0081% | 4,720 |
| Retained earnings to average equity (ytd only) | 5.0081% | 3,078 |
| Net charge-offs to loans | 0.5566% | 1,139 |
| Credit loss provision to net charge-offs | 15.7534% | 4,135 |
| Earnings coverage of net charge-offs (x) | 1.7945% | 4,237 |
| Efficiency ratio | 85.8684% | 1,371 |
| Assets per employee ($millions) | 4.8528% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 2,104 |
| Loan loss allowance to noncurrent loans | 80.4938% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 2.2991% | 1,716 |
| Noncurrent loans to loans | 2.3159% | 1,894 |
| Net loans and leases to total assets | 50.5218% | 5,075 |
| Net loans and leases to deposits | 67.3429% | 4,137 |
| Net loans and leases to core deposits | 69.7288% | 4,354 |
| Total domestic deposits to total assets | 75.0217% | 6,277 |
| Equity capital to assets | 9.7337% | 4,261 |
| Core capital (leverage) ratio | 9.3227% | 4,666 |
| Tier 1 risk-based capital ratio | 18.4999% | 2,140 |
| Total risk-based capital ratio | 19.7567% | 2,112 |
| Memoranda: | ||
| Average total assets | $69,941,250 | 5,535 |
| Average earning assets | $63,579,500 | 5,542 |
| Average equity | $6,735,500 | 5,705 |
| Average total loans | $34,971,500 | 5,592 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 2,395 |
| Cost of funding earning assets | 0.7452% | 1,737 |
| Net interest margin | 3.7008% | 2,955 |
| Noninterest income to average assets | 0.0963% | 6,540 |
| Noninterest expense to average assets | 3.0450% | 2,859 |
| Loan and lease loss provision to assets | 0.0567% | 3,870 |
| Net operating income to assets | 0.3569% | 5,378 |
| Return on assets (ROA) | 0.3966% | 5,393 |
| Pretax return on assets | 0.3966% | 5,644 |
| Return on Equity (ROE) | 4.1320% | 5,162 |
| Retained earnings to average equity (ytd only) | 4.1320% | 3,661 |
| Net charge-offs to loans | 1.0009% | 610 |
| Credit loss provision to net charge-offs | 11.4286% | 3,877 |
| Earnings coverage of net charge-offs (x) | 0.8343% | 4,252 |
| Efficiency ratio | 88.0426% | 1,216 |
| Assets per employee ($millions) | 4.6191% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 2,872 |
| Loan loss allowance to noncurrent loans | 68.9858% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.5416% | 1,659 |
| Noncurrent loans to loans | 2.4297% | 1,929 |
| Net loans and leases to total assets | 49.5288% | 5,159 |
| Net loans and leases to deposits | 65.6232% | 4,313 |
| Net loans and leases to core deposits | 67.8832% | 4,511 |
| Total domestic deposits to total assets | 75.4745% | 6,311 |
| Equity capital to assets | 9.5776% | 4,482 |
| Core capital (leverage) ratio | 9.1234% | 4,798 |
| Tier 1 risk-based capital ratio | 18.1366% | 2,276 |
| Total risk-based capital ratio | 19.3908% | 2,233 |
| Memoranda: | ||
| Average total assets | $70,608,670 | 5,550 |
| Average earning assets | $64,148,000 | 5,555 |
| Average equity | $6,776,330 | 5,740 |
| Average total loans | $34,970,000 | 5,617 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4090% | 2,495 |
| Cost of funding earning assets | 0.7359% | 1,952 |
| Net interest margin | 3.6731% | 2,975 |
| Noninterest income to average assets | 0.3873% | 4,563 |
| Noninterest expense to average assets | 3.1879% | 2,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5332% | 4,524 |
| Return on assets (ROA) | 0.6118% | 4,322 |
| Pretax return on assets | 0.6118% | 4,906 |
| Return on Equity (ROE) | 6.3682% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.3682% | 2,474 |
| Net charge-offs to loans | 0.5599% | 1,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.9388% | 3,192 |
| Efficiency ratio | 85.6712% | 1,554 |
| Assets per employee ($millions) | 4.4448% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0099% | 2,016 |
| Loan loss allowance to noncurrent loans | 66.1877% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 3.2384% | 1,345 |
| Noncurrent loans to loans | 3.0366% | 1,649 |
| Net loans and leases to total assets | 47.3719% | 5,297 |
| Net loans and leases to deposits | 62.5713% | 4,464 |
| Net loans and leases to core deposits | 66.0271% | 4,527 |
| Total domestic deposits to total assets | 75.7087% | 6,391 |
| Equity capital to assets | 9.6251% | 4,672 |
| Core capital (leverage) ratio | 8.9534% | 4,961 |
| Tier 1 risk-based capital ratio | 18.4708% | 2,204 |
| Total risk-based capital ratio | 19.7311% | 2,166 |
| Memoranda: | ||
| Average total assets | $71,269,500 | 5,585 |
| Average earning assets | $64,686,500 | 5,592 |
| Average equity | $6,846,500 | 5,781 |
| Average total loans | $35,004,000 | 5,664 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 2,616 |
| Cost of funding earning assets | 1.3289% | 331 |
| Net interest margin | 3.3664% | 5,016 |
| Noninterest income to average assets | -0.0027% | 6,838 |
| Noninterest expense to average assets | 2.6320% | 4,632 |
| Loan and lease loss provision to assets | 0.2941% | 2,325 |
| Net operating income to assets | 0.1171% | 5,976 |
| Return on assets (ROA) | 0.5509% | 4,723 |
| Pretax return on assets | 0.5522% | 5,128 |
| Return on Equity (ROE) | 6.4736% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.4736% | 1,835 |
| Net charge-offs to loans | 1.6718% | 498 |
| Credit loss provision to net charge-offs | 35.2472% | 5,017 |
| Earnings coverage of net charge-offs (x) | 0.4944% | 5,241 |
| Efficiency ratio | 86.4510% | 1,387 |
| Assets per employee ($millions) | 4.7615% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0770% | 1,825 |
| Loan loss allowance to noncurrent loans | 47.4663% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 3.6389% | 1,227 |
| Noncurrent loans to loans | 4.3758% | 993 |
| Net loans and leases to total assets | 48.8470% | 5,325 |
| Net loans and leases to deposits | 65.1868% | 4,392 |
| Net loans and leases to core deposits | 69.2126% | 4,409 |
| Total domestic deposits to total assets | 74.9338% | 6,450 |
| Equity capital to assets | 9.5879% | 4,766 |
| Core capital (leverage) ratio | 8.6965% | 5,332 |
| Tier 1 risk-based capital ratio | 17.7003% | 2,384 |
| Total risk-based capital ratio | 18.9606% | 2,342 |
| Memoranda: | ||
| Average total assets | $75,150,800 | 5,480 |
| Average earning assets | $68,024,200 | 5,491 |
| Average equity | $6,395,200 | 5,918 |
| Average total loans | $37,504,400 | 5,611 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 2,696 |
| Cost of funding earning assets | 1.4257% | 271 |
| Net interest margin | 3.2970% | 5,402 |
| Noninterest income to average assets | 0.0824% | 6,680 |
| Noninterest expense to average assets | 2.6392% | 4,606 |
| Loan and lease loss provision to assets | 0.3873% | 1,664 |
| Net operating income to assets | 0.0368% | 6,229 |
| Return on assets (ROA) | 0.6081% | 4,610 |
| Pretax return on assets | 0.6098% | 5,133 |
| Return on Equity (ROE) | 7.3649% | 3,601 |
| Retained earnings to average equity (ytd only) | 7.3649% | 1,912 |
| Net charge-offs to loans | 1.8398% | 421 |
| Credit loss provision to net charge-offs | 42.1756% | 4,567 |
| Earnings coverage of net charge-offs (x) | 0.4637% | 5,086 |
| Efficiency ratio | 86.1063% | 1,366 |
| Assets per employee ($millions) | 4.8672% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2939% | 1,533 |
| Loan loss allowance to noncurrent loans | 44.3684% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 4.1064% | 1,169 |
| Noncurrent loans to loans | 5.1702% | 859 |
| Net loans and leases to total assets | 49.1809% | 5,418 |
| Net loans and leases to deposits | 65.1616% | 4,573 |
| Net loans and leases to core deposits | 69.0540% | 4,603 |
| Total domestic deposits to total assets | 75.4753% | 6,457 |
| Equity capital to assets | 9.3277% | 5,436 |
| Core capital (leverage) ratio | 8.2313% | 6,101 |
| Tier 1 risk-based capital ratio | 16.6991% | 2,896 |
| Total risk-based capital ratio | 17.9604% | 2,853 |
| Memoranda: | ||
| Average total assets | $76,082,750 | 5,515 |
| Average earning assets | $68,828,250 | 5,535 |
| Average equity | $6,282,000 | 6,012 |
| Average total loans | $37,973,500 | 5,656 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 2,541 |
| Cost of funding earning assets | 1.5234% | 222 |
| Net interest margin | 3.2677% | 5,540 |
| Noninterest income to average assets | 0.3087% | 5,344 |
| Noninterest expense to average assets | 2.6405% | 4,645 |
| Loan and lease loss provision to assets | 0.5058% | 1,246 |
| Net operating income to assets | 0.1141% | 6,123 |
| Return on assets (ROA) | 0.5239% | 4,978 |
| Pretax return on assets | 0.5265% | 5,376 |
| Return on Equity (ROE) | 6.6164% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.6164% | 2,323 |
| Net charge-offs to loans | 2.6784% | 247 |
| Credit loss provision to net charge-offs | 37.9377% | 4,310 |
| Earnings coverage of net charge-offs (x) | 0.4669% | 4,843 |
| Efficiency ratio | 80.9221% | 2,044 |
| Assets per employee ($millions) | 5.1043% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2444% | 1,682 |
| Loan loss allowance to noncurrent loans | 39.1943% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 4.1834% | 1,196 |
| Noncurrent loans to loans | 5.7264% | 790 |
| Net loans and leases to total assets | 47.0450% | 5,721 |
| Net loans and leases to deposits | 63.8947% | 4,777 |
| Net loans and leases to core deposits | 67.6127% | 4,837 |
| Total domestic deposits to total assets | 73.6289% | 6,702 |
| Equity capital to assets | 8.5927% | 6,127 |
| Core capital (leverage) ratio | 7.8236% | 6,431 |
| Tier 1 risk-based capital ratio | 15.0130% | 3,760 |
| Total risk-based capital ratio | 16.2738% | 3,711 |
| Memoranda: | ||
| Average total assets | $77,107,670 | 5,518 |
| Average earning assets | $69,711,670 | 5,531 |
| Average equity | $6,106,000 | 6,088 |
| Average total loans | $38,381,670 | 5,673 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7711% | 2,756 |
| Cost of funding earning assets | 1.6152% | 179 |
| Net interest margin | 3.1559% | 5,891 |
| Noninterest income to average assets | 0.3774% | 4,840 |
| Noninterest expense to average assets | 2.4141% | 5,425 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8064% | 3,346 |
| Return on assets (ROA) | 0.8064% | 3,588 |
| Pretax return on assets | 0.8116% | 4,368 |
| Return on Equity (ROE) | 10.6312% | 2,171 |
| Retained earnings to average equity (ytd only) | 10.6312% | 1,130 |
| Net charge-offs to loans | 0.2861% | 2,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.6071% | 2,329 |
| Efficiency ratio | 74.8397% | 2,966 |
| Assets per employee ($millions) | 4.8156% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8912% | 919 |
| Loan loss allowance to noncurrent loans | 39.2556% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 5.3147% | 949 |
| Noncurrent loans to loans | 7.3651% | 581 |
| Net loans and leases to total assets | 48.7359% | 5,465 |
| Net loans and leases to deposits | 65.1531% | 4,469 |
| Net loans and leases to core deposits | 68.8479% | 4,584 |
| Total domestic deposits to total assets | 74.8021% | 6,671 |
| Equity capital to assets | 7.7210% | 6,680 |
| Core capital (leverage) ratio | 7.6641% | 6,518 |
| Tier 1 risk-based capital ratio | 14.6390% | 3,994 |
| Total risk-based capital ratio | 15.9073% | 3,941 |
| Memoranda: | ||
| Average total assets | $77,379,000 | 5,549 |
| Average earning assets | $69,836,500 | 5,570 |
| Average equity | $5,869,500 | 6,182 |
| Average total loans | $39,149,000 | 5,675 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1814% | 2,141 |
| Cost of funding earning assets | 1.7714% | 241 |
| Net interest margin | 3.4100% | 5,452 |
| Noninterest income to average assets | 0.0759% | 6,732 |
| Noninterest expense to average assets | 2.6557% | 4,902 |
| Loan and lease loss provision to assets | 0.5971% | 1,734 |
| Net operating income to assets | -1.5983% | 6,929 |
| Return on assets (ROA) | -1.4367% | 6,912 |
| Pretax return on assets | 0.1120% | 5,950 |
| Return on Equity (ROE) | -16.2078% | 6,914 |
| Retained earnings to average equity (ytd only) | -16.2078% | 6,893 |
| Net charge-offs to loans | 2.9319% | 340 |
| Credit loss provision to net charge-offs | 38.7722% | 5,649 |
| Earnings coverage of net charge-offs (x) | 0.2964% | 5,603 |
| Efficiency ratio | 85.3317% | 1,640 |
| Assets per employee ($millions) | 5.1805% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8918% | 898 |
| Loan loss allowance to noncurrent loans | 40.6383% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 5.4525% | 943 |
| Noncurrent loans to loans | 7.1160% | 616 |
| Net loans and leases to total assets | 49.5226% | 5,651 |
| Net loans and leases to deposits | 66.2415% | 4,699 |
| Net loans and leases to core deposits | 69.9564% | 4,781 |
| Total domestic deposits to total assets | 74.7606% | 6,639 |
| Equity capital to assets | 7.4510% | 6,831 |
| Core capital (leverage) ratio | 7.3750% | 6,710 |
| Tier 1 risk-based capital ratio | 13.8771% | 4,419 |
| Total risk-based capital ratio | 15.1452% | 4,359 |
| Memoranda: | ||
| Average total assets | $80,391,800 | 5,450 |
| Average earning assets | $71,582,800 | 5,481 |
| Average equity | $7,126,200 | 5,831 |
| Average total loans | $42,225,200 | 5,596 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2863% | 1,917 |
| Cost of funding earning assets | 1.8041% | 255 |
| Net interest margin | 3.4822% | 5,257 |
| Noninterest income to average assets | 0.1168% | 6,675 |
| Noninterest expense to average assets | 2.5741% | 5,175 |
| Loan and lease loss provision to assets | 0.3503% | 2,772 |
| Net operating income to assets | 0.2845% | 5,450 |
| Return on assets (ROA) | 0.7796% | 3,422 |
| Pretax return on assets | 0.7796% | 4,198 |
| Return on Equity (ROE) | 8.4713% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.4713% | 1,326 |
| Net charge-offs to loans | 1.0480% | 1,521 |
| Credit loss provision to net charge-offs | 63.2047% | 4,699 |
| Earnings coverage of net charge-offs (x) | 1.1454% | 4,766 |
| Efficiency ratio | 80.2153% | 2,229 |
| Assets per employee ($millions) | 5.3802% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2598% | 323 |
| Loan loss allowance to noncurrent loans | 54.1692% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 5.3951% | 1,041 |
| Noncurrent loans to loans | 7.8639% | 568 |
| Net loans and leases to total assets | 49.5719% | 5,761 |
| Net loans and leases to deposits | 68.2498% | 4,562 |
| Net loans and leases to core deposits | 72.3750% | 4,663 |
| Total domestic deposits to total assets | 72.6330% | 6,885 |
| Equity capital to assets | 9.8385% | 4,568 |
| Core capital (leverage) ratio | 9.1276% | 4,750 |
| Tier 1 risk-based capital ratio | 16.7402% | 2,742 |
| Total risk-based capital ratio | 18.0261% | 2,701 |
| Memoranda: | ||
| Average total assets | $81,062,750 | 5,475 |
| Average earning assets | $71,982,500 | 5,516 |
| Average equity | $7,460,250 | 5,761 |
| Average total loans | $42,874,250 | 5,613 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4032% | 1,554 |
| Cost of funding earning assets | 1.8372% | 273 |
| Net interest margin | 3.5660% | 4,855 |
| Noninterest income to average assets | 0.0419% | 7,075 |
| Noninterest expense to average assets | 2.7296% | 4,708 |
| Loan and lease loss provision to assets | -0.2562% | 7,460 |
| Net operating income to assets | 0.7292% | 3,391 |
| Return on assets (ROA) | 1.3895% | 1,173 |
| Pretax return on assets | 1.3895% | 1,823 |
| Return on Equity (ROE) | 15.4514% | 728 |
| Retained earnings to average equity (ytd only) | 15.4514% | 225 |
| Net charge-offs to loans | 1.2998% | 1,182 |
| Credit loss provision to net charge-offs | -37.0107% | 6,229 |
| Earnings coverage of net charge-offs (x) | 0.6833% | 4,781 |
| Efficiency ratio | 85.2308% | 1,678 |
| Assets per employee ($millions) | 5.3586% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5459% | 579 |
| Loan loss allowance to noncurrent loans | 54.8375% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 4.6355% | 1,347 |
| Noncurrent loans to loans | 6.4662% | 863 |
| Net loans and leases to total assets | 51.4052% | 5,644 |
| Net loans and leases to deposits | 68.1056% | 4,693 |
| Net loans and leases to core deposits | 71.5456% | 4,876 |
| Total domestic deposits to total assets | 75.4787% | 6,676 |
| Equity capital to assets | 9.3258% | 5,107 |
| Core capital (leverage) ratio | 9.4601% | 4,016 |
| Tier 1 risk-based capital ratio | 17.2689% | 2,421 |
| Total risk-based capital ratio | 18.5465% | 2,387 |
| Memoranda: | ||
| Average total assets | $81,182,670 | 5,515 |
| Average earning assets | $71,958,000 | 5,559 |
| Average equity | $7,300,330 | 5,838 |
| Average total loans | $43,237,000 | 5,650 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4216% | 1,497 |
| Cost of funding earning assets | 1.8682% | 289 |
| Net interest margin | 3.5534% | 4,796 |
| Noninterest income to average assets | 0.2402% | 5,982 |
| Noninterest expense to average assets | 2.6770% | 4,933 |
| Loan and lease loss provision to assets | -0.5099% | 7,537 |
| Net operating income to assets | 1.2159% | 1,485 |
| Return on assets (ROA) | 1.7356% | 578 |
| Pretax return on assets | 1.7356% | 916 |
| Return on Equity (ROE) | 19.6598% | 351 |
| Retained earnings to average equity (ytd only) | 19.6598% | 173 |
| Net charge-offs to loans | 0.9853% | 1,374 |
| Credit loss provision to net charge-offs | -97.1963% | 5,713 |
| Earnings coverage of net charge-offs (x) | 1.3458% | 3,675 |
| Efficiency ratio | 79.1304% | 2,674 |
| Assets per employee ($millions) | 5.4060% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9388% | 434 |
| Loan loss allowance to noncurrent loans | 59.9080% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 5.0919% | 1,234 |
| Noncurrent loans to loans | 6.5747% | 896 |
| Net loans and leases to total assets | 50.9187% | 5,721 |
| Net loans and leases to deposits | 67.0379% | 4,820 |
| Net loans and leases to core deposits | 70.3587% | 4,997 |
| Total domestic deposits to total assets | 75.9551% | 6,677 |
| Equity capital to assets | 9.0665% | 5,102 |
| Core capital (leverage) ratio | 9.0176% | 4,585 |
| Tier 1 risk-based capital ratio | 16.3960% | 2,706 |
| Total risk-based capital ratio | 17.6776% | 2,668 |
| Memoranda: | ||
| Average total assets | $81,584,500 | 5,541 |
| Average earning assets | $72,155,500 | 5,598 |
| Average equity | $7,202,500 | 5,869 |
| Average total loans | $43,436,500 | 5,687 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4834% | 2,353 |
| Cost of funding earning assets | 2.4982% | 110 |
| Net interest margin | 2.9852% | 6,754 |
| Noninterest income to average assets | 0.0126% | 7,239 |
| Noninterest expense to average assets | 2.3400% | 6,243 |
| Loan and lease loss provision to assets | 2.3767% | 490 |
| Net operating income to assets | -1.2580% | 6,812 |
| Return on assets (ROA) | -1.7564% | 7,007 |
| Pretax return on assets | -2.8144% | 7,252 |
| Return on Equity (ROE) | -19.3691% | 7,025 |
| Retained earnings to average equity (ytd only) | -19.3691% | 7,001 |
| Net charge-offs to loans | 2.1990% | 889 |
| Credit loss provision to net charge-offs | 204.4466% | 1,521 |
| Earnings coverage of net charge-offs (x) | 0.2935% | 5,816 |
| Efficiency ratio | 87.2751% | 1,542 |
| Assets per employee ($millions) | 5.1299% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3381% | 299 |
| Loan loss allowance to noncurrent loans | 61.0844% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 5.7104% | 1,071 |
| Noncurrent loans to loans | 7.1018% | 786 |
| Net loans and leases to total assets | 51.1532% | 6,030 |
| Net loans and leases to deposits | 67.7981% | 5,128 |
| Net loans and leases to core deposits | 71.4826% | 5,272 |
| Total domestic deposits to total assets | 75.4493% | 6,701 |
| Equity capital to assets | 8.5929% | 5,734 |
| Core capital (leverage) ratio | 8.0200% | 6,176 |
| Tier 1 risk-based capital ratio | 15.4179% | 3,036 |
| Total risk-based capital ratio | 16.7039% | 2,980 |
| Memoranda: | ||
| Average total assets | $87,051,800 | 5,377 |
| Average earning assets | $77,817,000 | 5,417 |
| Average equity | $7,894,000 | 5,753 |
| Average total loans | $46,020,400 | 5,643 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4760% | 2,534 |
| Cost of funding earning assets | 2.4130% | 191 |
| Net interest margin | 3.0630% | 6,702 |
| Noninterest income to average assets | 0.1435% | 6,829 |
| Noninterest expense to average assets | 2.2288% | 6,528 |
| Loan and lease loss provision to assets | 1.9298% | 628 |
| Net operating income to assets | -0.7407% | 6,758 |
| Return on assets (ROA) | -1.1099% | 6,983 |
| Pretax return on assets | -1.8453% | 7,150 |
| Return on Equity (ROE) | -12.0922% | 7,017 |
| Retained earnings to average equity (ytd only) | -12.0922% | 6,978 |
| Net charge-offs to loans | 2.2798% | 785 |
| Credit loss provision to net charge-offs | 160.5528% | 2,357 |
| Earnings coverage of net charge-offs (x) | 0.5503% | 5,474 |
| Efficiency ratio | 77.1160% | 2,750 |
| Assets per employee ($millions) | 5.4806% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9413% | 864 |
| Loan loss allowance to noncurrent loans | 42.5825% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 5.4887% | 1,125 |
| Noncurrent loans to loans | 6.9073% | 826 |
| Net loans and leases to total assets | 50.0120% | 6,323 |
| Net loans and leases to deposits | 69.9364% | 5,153 |
| Net loans and leases to core deposits | 73.5958% | 5,344 |
| Total domestic deposits to total assets | 71.5107% | 7,180 |
| Equity capital to assets | 9.0274% | 5,544 |
| Core capital (leverage) ratio | 8.7668% | 5,075 |
| Tier 1 risk-based capital ratio | 16.0904% | 2,719 |
| Total risk-based capital ratio | 17.3595% | 2,659 |
| Memoranda: | ||
| Average total assets | $88,295,000 | 5,405 |
| Average earning assets | $79,180,500 | 5,430 |
| Average equity | $8,104,250 | 5,754 |
| Average total loans | $46,553,000 | 5,700 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5455% | 2,350 |
| Cost of funding earning assets | 2.4703% | 193 |
| Net interest margin | 3.0752% | 6,665 |
| Noninterest income to average assets | 0.2893% | 5,833 |
| Noninterest expense to average assets | 2.3639% | 6,176 |
| Loan and lease loss provision to assets | 1.4328% | 934 |
| Net operating income to assets | -0.7251% | 6,821 |
| Return on assets (ROA) | -1.0803% | 6,995 |
| Pretax return on assets | -1.1164% | 6,939 |
| Return on Equity (ROE) | -11.7056% | 7,029 |
| Retained earnings to average equity (ytd only) | -11.7056% | 6,987 |
| Net charge-offs to loans | 2.5272% | 677 |
| Credit loss provision to net charge-offs | 106.7340% | 3,824 |
| Earnings coverage of net charge-offs (x) | 0.5084% | 5,220 |
| Efficiency ratio | 77.5964% | 2,794 |
| Assets per employee ($millions) | 5.9175% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8976% | 2,417 |
| Loan loss allowance to noncurrent loans | 26.6206% | 6,572 |
| Noncurrent assets plus other real estate owned to assets | 5.9981% | 981 |
| Noncurrent loans to loans | 7.1282% | 785 |
| Net loans and leases to total assets | 51.6629% | 6,248 |
| Net loans and leases to deposits | 72.0376% | 4,991 |
| Net loans and leases to core deposits | 75.4177% | 5,259 |
| Total domestic deposits to total assets | 71.7165% | 7,201 |
| Equity capital to assets | 9.0681% | 5,340 |
| Core capital (leverage) ratio | 8.9948% | 4,609 |
| Tier 1 risk-based capital ratio | 16.1853% | 2,596 |
| Total risk-based capital ratio | 17.4410% | 2,550 |
| Memoranda: | ||
| Average total assets | $88,497,000 | 5,437 |
| Average earning assets | $79,343,330 | 5,464 |
| Average equity | $8,167,000 | 5,743 |
| Average total loans | $47,009,330 | 5,717 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7833% | 1,511 |
| Cost of funding earning assets | 2.5428% | 200 |
| Net interest margin | 3.2405% | 6,163 |
| Noninterest income to average assets | 0.2399% | 6,234 |
| Noninterest expense to average assets | 2.7568% | 4,668 |
| Loan and lease loss provision to assets | 1.3806% | 867 |
| Net operating income to assets | -1.0140% | 7,109 |
| Return on assets (ROA) | -1.3580% | 7,293 |
| Pretax return on assets | -1.3399% | 7,198 |
| Return on Equity (ROE) | -14.5879% | 7,303 |
| Retained earnings to average equity (ytd only) | -14.5879% | 7,194 |
| Net charge-offs to loans | 2.2910% | 738 |
| Credit loss provision to net charge-offs | 112.9630% | 3,072 |
| Earnings coverage of net charge-offs (x) | 0.3148% | 4,761 |
| Efficiency ratio | 87.7522% | 1,610 |
| Assets per employee ($millions) | 5.2388% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 2,492 |
| Loan loss allowance to noncurrent loans | 31.7952% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 5.9343% | 1,018 |
| Noncurrent loans to loans | 5.9299% | 1,118 |
| Net loans and leases to total assets | 51.5366% | 6,317 |
| Net loans and leases to deposits | 72.0093% | 5,046 |
| Net loans and leases to core deposits | 74.0075% | 5,498 |
| Total domestic deposits to total assets | 71.5694% | 7,306 |
| Equity capital to assets | 9.3736% | 4,715 |
| Core capital (leverage) ratio | 9.2454% | 4,146 |
| Tier 1 risk-based capital ratio | 16.1689% | 2,578 |
| Total risk-based capital ratio | 17.4257% | 2,535 |
| Memoranda: | ||
| Average total assets | $88,364,500 | 5,500 |
| Average earning assets | $79,124,000 | 5,538 |
| Average equity | $8,226,000 | 5,758 |
| Average total loans | $47,142,000 | 5,794 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8629% | 2,396 |
| Cost of funding earning assets | 2.8570% | 367 |
| Net interest margin | 3.0059% | 6,632 |
| Noninterest income to average assets | 0.2891% | 6,043 |
| Noninterest expense to average assets | 2.2413% | 6,893 |
| Loan and lease loss provision to assets | 0.5952% | 3,413 |
| Net operating income to assets | 0.1383% | 5,083 |
| Return on assets (ROA) | -0.3254% | 5,992 |
| Pretax return on assets | -0.5476% | 6,052 |
| Return on Equity (ROE) | -3.5896% | 6,067 |
| Retained earnings to average equity (ytd only) | -3.5896% | 5,807 |
| Net charge-offs to loans | 0.9948% | 2,421 |
| Credit loss provision to net charge-offs | 104.7904% | 5,277 |
| Earnings coverage of net charge-offs (x) | 1.3593% | 4,772 |
| Efficiency ratio | 74.3792% | 3,814 |
| Assets per employee ($millions) | 5.1571% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7830% | 2,606 |
| Loan loss allowance to noncurrent loans | 22.9788% | 6,917 |
| Noncurrent assets plus other real estate owned to assets | 6.4948% | 843 |
| Noncurrent loans to loans | 7.7593% | 664 |
| Net loans and leases to total assets | 53.2189% | 6,283 |
| Net loans and leases to deposits | 73.3024% | 5,151 |
| Net loans and leases to core deposits | 104.9769% | 3,453 |
| Total domestic deposits to total assets | 72.6018% | 7,196 |
| Equity capital to assets | 9.2438% | 4,784 |
| Core capital (leverage) ratio | 9.5162% | 3,696 |
| Tier 1 risk-based capital ratio | 16.4640% | 2,332 |
| Total risk-based capital ratio | 17.7186% | 2,279 |
| Memoranda: | ||
| Average total assets | $88,206,600 | 5,441 |
| Average earning assets | $79,943,000 | 5,459 |
| Average equity | $7,995,400 | 5,929 |
| Average total loans | $50,362,200 | 5,654 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9429% | 2,261 |
| Cost of funding earning assets | 2.8951% | 470 |
| Net interest margin | 3.0478% | 6,469 |
| Noninterest income to average assets | 0.2973% | 6,095 |
| Noninterest expense to average assets | 2.0390% | 7,310 |
| Loan and lease loss provision to assets | 0.4015% | 3,907 |
| Net operating income to assets | 0.5207% | 3,896 |
| Return on assets (ROA) | 0.5207% | 3,991 |
| Pretax return on assets | 0.6279% | 4,092 |
| Return on Equity (ROE) | 5.7728% | 3,618 |
| Retained earnings to average equity (ytd only) | 5.7728% | 2,061 |
| Net charge-offs to loans | 0.8353% | 2,290 |
| Credit loss provision to net charge-offs | 83.1250% | 5,674 |
| Earnings coverage of net charge-offs (x) | 2.1312% | 4,224 |
| Efficiency ratio | 66.4535% | 5,294 |
| Assets per employee ($millions) | 5.1768% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 3,039 |
| Loan loss allowance to noncurrent loans | 21.4625% | 7,009 |
| Noncurrent assets plus other real estate owned to assets | 6.1541% | 856 |
| Noncurrent loans to loans | 7.3977% | 701 |
| Net loans and leases to total assets | 54.1611% | 6,364 |
| Net loans and leases to deposits | 74.6340% | 5,278 |
| Net loans and leases to core deposits | 108.1918% | 3,447 |
| Total domestic deposits to total assets | 72.5689% | 7,137 |
| Equity capital to assets | 9.1641% | 5,231 |
| Core capital (leverage) ratio | 10.2224% | 3,045 |
| Tier 1 risk-based capital ratio | 17.2278% | 2,207 |
| Total risk-based capital ratio | 18.4795% | 2,149 |
| Memoranda: | ||
| Average total assets | $88,340,750 | 5,472 |
| Average earning assets | $80,318,500 | 5,484 |
| Average equity | $7,968,250 | 5,988 |
| Average total loans | $51,076,750 | 5,667 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0110% | 2,139 |
| Cost of funding earning assets | 2.9262% | 575 |
| Net interest margin | 3.0848% | 6,296 |
| Noninterest income to average assets | 0.3098% | 6,029 |
| Noninterest expense to average assets | 2.1300% | 7,211 |
| Loan and lease loss provision to assets | 0.1809% | 5,240 |
| Net operating income to assets | 0.6286% | 3,556 |
| Return on assets (ROA) | 0.6286% | 3,664 |
| Pretax return on assets | 0.8140% | 3,624 |
| Return on Equity (ROE) | 7.0060% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.0060% | 1,585 |
| Net charge-offs to loans | 0.9277% | 1,857 |
| Credit loss provision to net charge-offs | 33.1950% | 5,989 |
| Earnings coverage of net charge-offs (x) | 1.8257% | 4,201 |
| Efficiency ratio | 68.1621% | 5,129 |
| Assets per employee ($millions) | 5.1906% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 4,193 |
| Loan loss allowance to noncurrent loans | 17.1636% | 7,273 |
| Noncurrent assets plus other real estate owned to assets | 5.5552% | 898 |
| Noncurrent loans to loans | 7.6541% | 604 |
| Net loans and leases to total assets | 56.3559% | 6,171 |
| Net loans and leases to deposits | 77.8817% | 4,896 |
| Net loans and leases to core deposits | 111.7405% | 3,164 |
| Total domestic deposits to total assets | 72.3609% | 7,203 |
| Equity capital to assets | 9.3596% | 4,794 |
| Core capital (leverage) ratio | 10.1784% | 3,117 |
| Tier 1 risk-based capital ratio | 16.8556% | 2,340 |
| Total risk-based capital ratio | 18.0855% | 2,304 |
| Memoranda: | ||
| Average total assets | $88,452,330 | 5,515 |
| Average earning assets | $80,718,670 | 5,507 |
| Average equity | $7,936,000 | 6,042 |
| Average total loans | $51,957,670 | 5,678 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1201% | 1,876 |
| Cost of funding earning assets | 3.0057% | 594 |
| Net interest margin | 3.1144% | 6,158 |
| Noninterest income to average assets | 0.3433% | 5,708 |
| Noninterest expense to average assets | 2.0190% | 7,312 |
| Loan and lease loss provision to assets | 0.0903% | 5,807 |
| Net operating income to assets | 0.7904% | 3,168 |
| Return on assets (ROA) | 0.7904% | 3,331 |
| Pretax return on assets | 1.0795% | 3,063 |
| Return on Equity (ROE) | 9.0038% | 2,720 |
| Retained earnings to average equity (ytd only) | 9.0038% | 1,482 |
| Net charge-offs to loans | 0.8798% | 1,487 |
| Credit loss provision to net charge-offs | 17.2414% | 5,104 |
| Earnings coverage of net charge-offs (x) | 2.2328% | 3,623 |
| Efficiency ratio | 63.3144% | 5,807 |
| Assets per employee ($millions) | 5.1417% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 3,526 |
| Loan loss allowance to noncurrent loans | 20.1776% | 7,158 |
| Noncurrent assets plus other real estate owned to assets | 4.8954% | 940 |
| Noncurrent loans to loans | 6.9129% | 591 |
| Net loans and leases to total assets | 58.7960% | 5,833 |
| Net loans and leases to deposits | 81.2075% | 4,420 |
| Net loans and leases to core deposits | 117.5826% | 2,634 |
| Total domestic deposits to total assets | 72.4022% | 7,151 |
| Equity capital to assets | 9.1913% | 5,096 |
| Core capital (leverage) ratio | 9.8547% | 3,579 |
| Tier 1 risk-based capital ratio | 16.4220% | 2,540 |
| Total risk-based capital ratio | 17.6724% | 2,486 |
| Memoranda: | ||
| Average total assets | $88,558,000 | 5,540 |
| Average earning assets | $80,914,000 | 5,520 |
| Average equity | $7,774,500 | 6,132 |
| Average total loans | $52,741,000 | 5,678 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4572% | 3,166 |
| Cost of funding earning assets | 3.3835% | 732 |
| Net interest margin | 3.0737% | 6,729 |
| Noninterest income to average assets | 0.3263% | 6,111 |
| Noninterest expense to average assets | 2.1486% | 7,116 |
| Loan and lease loss provision to assets | 0.0538% | 6,743 |
| Net operating income to assets | 1.0631% | 2,293 |
| Return on assets (ROA) | 0.2377% | 5,556 |
| Pretax return on assets | 0.1357% | 5,864 |
| Return on Equity (ROE) | 2.6103% | 5,378 |
| Retained earnings to average equity (ytd only) | 2.6103% | 3,563 |
| Net charge-offs to loans | 0.1574% | 4,627 |
| Credit loss provision to net charge-offs | 57.1429% | 6,262 |
| Earnings coverage of net charge-offs (x) | 10.7738% | 2,461 |
| Efficiency ratio | 67.9192% | 4,736 |
| Assets per employee ($millions) | 5.2769% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5423% | 2,491 |
| Loan loss allowance to noncurrent loans | 22.7160% | 7,116 |
| Noncurrent assets plus other real estate owned to assets | 4.1680% | 958 |
| Noncurrent loans to loans | 6.7895% | 464 |
| Net loans and leases to total assets | 58.5673% | 6,120 |
| Net loans and leases to deposits | 80.1266% | 5,028 |
| Net loans and leases to core deposits | 116.0416% | 3,116 |
| Total domestic deposits to total assets | 73.0935% | 6,813 |
| Equity capital to assets | 8.3773% | 6,300 |
| Core capital (leverage) ratio | 9.3767% | 4,196 |
| Tier 1 risk-based capital ratio | 15.9246% | 2,695 |
| Total risk-based capital ratio | 17.1775% | 2,636 |
| Memoranda: | ||
| Average total assets | $89,172,800 | 5,386 |
| Average earning assets | $82,311,000 | 5,360 |
| Average equity | $8,121,800 | 6,035 |
| Average total loans | $53,361,000 | 5,558 |