Home > American Bank > Performance and Condition Ratios
American Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3095% | 180 |
| Cost of funding earning assets | 1.5200% | 1,893 |
| Net interest margin | 5.7895% | 133 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 4.3030% | 305 |
| Loan and lease loss provision to assets | 0.3700% | 266 |
| Net operating income to assets | 1.0074% | 2,198 |
| Return on assets (ROA) | 1.0074% | 2,182 |
| Pretax return on assets | 1.2610% | 1,980 |
| Return on Equity (ROE) | 10.4100% | 2,379 |
| Retained earnings to average equity (ytd only) | 10.4131% | 921 |
| Net charge-offs to loans | 0.1594% | 658 |
| Credit loss provision to net charge-offs | 290.7463% | 976 |
| Earnings coverage of net charge-offs (x) | 13.3731% | 2,109 |
| Efficiency ratio | 72.4697% | 1,617 |
| Assets per employee ($millions) | 4.1711% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 2,857 |
| Loan loss allowance to noncurrent loans | 144.0000% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7236% | 715 |
| Noncurrent loans to loans | 0.7620% | 1,019 |
| Net loans and leases to total assets | 77.7900% | 889 |
| Net loans and leases to deposits | 89.2556% | 1,324 |
| Net loans and leases to core deposits | 119.4802% | 641 |
| Total domestic deposits to total assets | 87.1600% | 1,625 |
| Equity capital to assets | 9.4818% | 2,358 |
| Core capital (leverage) ratio | 9.8962% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $274,065,200 | 2,557 |
| Average earning assets | $258,090,000 | 2,529 |
| Average equity | $26,514,800 | 2,431 |
| Average total loans | $210,188,400 | 2,229 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5470% | 293 |
| Cost of funding earning assets | 1.3739% | 1,939 |
| Net interest margin | 5.1731% | 261 |
| Noninterest income to average assets | 0.9400% | 706 |
| Noninterest expense to average assets | 4.3741% | 295 |
| Loan and lease loss provision to assets | 0.3300% | 272 |
| Net operating income to assets | 0.8967% | 2,690 |
| Return on assets (ROA) | 0.8967% | 2,677 |
| Pretax return on assets | 1.1097% | 2,542 |
| Return on Equity (ROE) | 9.2200% | 2,868 |
| Retained earnings to average equity (ytd only) | 9.2175% | 1,631 |
| Net charge-offs to loans | 0.2165% | 406 |
| Credit loss provision to net charge-offs | 196.9880% | 1,139 |
| Earnings coverage of net charge-offs (x) | 8.7620% | 2,180 |
| Efficiency ratio | 75.1771% | 1,253 |
| Assets per employee ($millions) | 4.0154% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 3,286 |
| Loan loss allowance to noncurrent loans | 156.6830% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 903 |
| Noncurrent loans to loans | 0.6481% | 1,269 |
| Net loans and leases to total assets | 77.6500% | 924 |
| Net loans and leases to deposits | 87.2971% | 1,445 |
| Net loans and leases to core deposits | 108.5058% | 927 |
| Total domestic deposits to total assets | 88.9500% | 1,275 |
| Equity capital to assets | 9.6504% | 2,016 |
| Core capital (leverage) ratio | 9.7476% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $268,545,250 | 2,588 |
| Average earning assets | $253,380,750 | 2,558 |
| Average equity | $26,123,500 | 2,438 |
| Average total loans | $204,500,750 | 2,256 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2796% | 320 |
| Cost of funding earning assets | 1.0910% | 2,302 |
| Net interest margin | 5.1886% | 245 |
| Noninterest income to average assets | 1.0200% | 549 |
| Noninterest expense to average assets | 4.3848% | 287 |
| Loan and lease loss provision to assets | 0.4300% | 186 |
| Net operating income to assets | 0.9063% | 2,735 |
| Return on assets (ROA) | 0.9063% | 2,717 |
| Pretax return on assets | 1.1083% | 2,624 |
| Return on Equity (ROE) | 9.2900% | 2,893 |
| Retained earnings to average equity (ytd only) | 9.2905% | 1,606 |
| Net charge-offs to loans | 0.0020% | 2,305 |
| Credit loss provision to net charge-offs | 28,700.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 1,019.5000% | 144 |
| Efficiency ratio | 73.9757% | 1,346 |
| Assets per employee ($millions) | 4.2197% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,463 |
| Loan loss allowance to noncurrent loans | 176.5248% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 1,074 |
| Noncurrent loans to loans | 0.6775% | 1,104 |
| Net loans and leases to total assets | 73.8400% | 1,313 |
| Net loans and leases to deposits | 84.2549% | 1,651 |
| Net loans and leases to core deposits | 103.8136% | 1,062 |
| Total domestic deposits to total assets | 87.6400% | 1,729 |
| Equity capital to assets | 9.5214% | 2,145 |
| Core capital (leverage) ratio | 10.1620% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $264,368,000 | 2,610 |
| Average earning assets | $249,857,333 | 2,582 |
| Average equity | $25,789,667 | 2,479 |
| Average total loans | $199,170,000 | 2,293 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1430% | 260 |
| Cost of funding earning assets | 0.8837% | 2,427 |
| Net interest margin | 5.2594% | 208 |
| Noninterest income to average assets | 1.2700% | 409 |
| Noninterest expense to average assets | 4.7431% | 252 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.1100% | 2,194 |
| Return on assets (ROA) | 1.1100% | 2,161 |
| Pretax return on assets | 1.3556% | 2,003 |
| Return on Equity (ROE) | 11.2300% | 2,431 |
| Retained earnings to average equity (ytd only) | 11.2326% | 1,420 |
| Net charge-offs to loans | 0.0144% | 1,416 |
| Credit loss provision to net charge-offs | 1,342.8571% | 301 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 638 |
| Efficiency ratio | 75.9522% | 1,172 |
| Assets per employee ($millions) | 4.1108% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 3,526 |
| Loan loss allowance to noncurrent loans | 145.5669% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 989 |
| Noncurrent loans to loans | 0.6860% | 1,105 |
| Net loans and leases to total assets | 75.4700% | 1,025 |
| Net loans and leases to deposits | 84.5700% | 1,458 |
| Net loans and leases to core deposits | 94.3481% | 1,371 |
| Total domestic deposits to total assets | 89.2400% | 1,448 |
| Equity capital to assets | 9.8950% | 1,872 |
| Core capital (leverage) ratio | 10.0737% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $257,302,000 | 2,687 |
| Average earning assets | $243,527,500 | 2,654 |
| Average equity | $25,426,000 | 2,523 |
| Average total loans | $194,692,500 | 2,343 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 770 |
| Cost of funding earning assets | 0.2983% | 2,889 |
| Net interest margin | 4.1685% | 581 |
| Noninterest income to average assets | 1.2600% | 428 |
| Noninterest expense to average assets | 4.1048% | 309 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8199% | 3,257 |
| Return on assets (ROA) | 0.8199% | 3,193 |
| Pretax return on assets | 1.0074% | 3,055 |
| Return on Equity (ROE) | 8.3800% | 3,288 |
| Retained earnings to average equity (ytd only) | 8.3809% | 1,686 |
| Net charge-offs to loans | -0.0012% | 3,373 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.2938% | 694 |
| Assets per employee ($millions) | 3.9299% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 1,685 |
| Loan loss allowance to noncurrent loans | 189.8734% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 937 |
| Noncurrent loans to loans | 0.7113% | 1,054 |
| Net loans and leases to total assets | 74.0600% | 1,211 |
| Net loans and leases to deposits | 82.9024% | 1,545 |
| Net loans and leases to core deposits | 89.2822% | 1,541 |
| Total domestic deposits to total assets | 89.3300% | 1,624 |
| Equity capital to assets | 9.8680% | 1,776 |
| Core capital (leverage) ratio | 10.1115% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $238,332,400 | 2,792 |
| Average earning assets | $220,246,800 | 2,802 |
| Average equity | $23,314,800 | 2,682 |
| Average total loans | $168,665,000 | 2,469 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1711% | 938 |
| Cost of funding earning assets | 0.2415% | 2,800 |
| Net interest margin | 3.9296% | 741 |
| Noninterest income to average assets | 1.3600% | 400 |
| Noninterest expense to average assets | 4.1224% | 304 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7063% | 3,553 |
| Return on assets (ROA) | 0.7063% | 3,504 |
| Pretax return on assets | 0.8418% | 3,489 |
| Return on Equity (ROE) | 7.2400% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.2365% | 2,285 |
| Net charge-offs to loans | -0.0057% | 3,515 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.0419% | 605 |
| Assets per employee ($millions) | 3.8407% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 1,244 |
| Loan loss allowance to noncurrent loans | 512.0240% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 2,208 |
| Noncurrent loans to loans | 0.2966% | 2,178 |
| Net loans and leases to total assets | 69.5700% | 1,517 |
| Net loans and leases to deposits | 78.1878% | 1,691 |
| Net loans and leases to core deposits | 83.4915% | 1,693 |
| Total domestic deposits to total assets | 88.9800% | 2,101 |
| Equity capital to assets | 10.1251% | 1,555 |
| Core capital (leverage) ratio | 10.0994% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $235,037,750 | 2,837 |
| Average earning assets | $215,860,750 | 2,838 |
| Average equity | $22,938,750 | 2,743 |
| Average total loans | $163,627,500 | 2,511 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 1,033 |
| Cost of funding earning assets | 0.2272% | 2,547 |
| Net interest margin | 3.7189% | 884 |
| Noninterest income to average assets | 1.3205% | 406 |
| Noninterest expense to average assets | 4.0998% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5897% | 3,656 |
| Return on assets (ROA) | 0.5897% | 3,600 |
| Pretax return on assets | 0.6068% | 3,804 |
| Return on Equity (ROE) | 6.1121% | 3,544 |
| Retained earnings to average equity (ytd only) | 6.1121% | 2,296 |
| Net charge-offs to loans | -0.0099% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1073% | 531 |
| Assets per employee ($millions) | 3.8676% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 1,279 |
| Loan loss allowance to noncurrent loans | 524.8460% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 2,236 |
| Noncurrent loans to loans | 0.2949% | 2,284 |
| Net loans and leases to total assets | 67.7940% | 1,495 |
| Net loans and leases to deposits | 75.8076% | 1,696 |
| Net loans and leases to core deposits | 81.4176% | 1,630 |
| Total domestic deposits to total assets | 89.4291% | 1,987 |
| Equity capital to assets | 9.8690% | 1,791 |
| Core capital (leverage) ratio | 10.0438% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,009,667 | 2,865 |
| Average earning assets | $213,072,000 | 2,892 |
| Average equity | $22,578,333 | 2,848 |
| Average total loans | $162,094,000 | 2,533 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7800% | 1,125 |
| Cost of funding earning assets | 0.2380% | 2,288 |
| Net interest margin | 3.5420% | 1,002 |
| Noninterest income to average assets | 1.0073% | 669 |
| Noninterest expense to average assets | 3.9322% | 292 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2942% | 4,156 |
| Return on assets (ROA) | 0.2942% | 4,129 |
| Pretax return on assets | 0.2942% | 4,194 |
| Return on Equity (ROE) | 3.0860% | 4,068 |
| Retained earnings to average equity (ytd only) | 3.0860% | 3,228 |
| Net charge-offs to loans | 0.0025% | 1,717 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 482 |
| Efficiency ratio | 93.0385% | 419 |
| Assets per employee ($millions) | 3.8150% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 1,377 |
| Loan loss allowance to noncurrent loans | 199.2175% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.5538% | 1,086 |
| Noncurrent loans to loans | 0.7838% | 1,211 |
| Net loans and leases to total assets | 67.8590% | 1,228 |
| Net loans and leases to deposits | 75.7634% | 1,471 |
| Net loans and leases to core deposits | 81.4599% | 1,385 |
| Total domestic deposits to total assets | 89.5671% | 1,784 |
| Equity capital to assets | 9.6943% | 2,139 |
| Core capital (leverage) ratio | 9.9111% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,119,000 | 2,892 |
| Average earning assets | $210,053,500 | 2,929 |
| Average equity | $22,035,000 | 2,986 |
| Average total loans | $160,581,000 | 2,545 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3234% | 164 |
| Cost of funding earning assets | 0.3548% | 1,897 |
| Net interest margin | 4.9686% | 147 |
| Noninterest income to average assets | 0.9917% | 1,019 |
| Noninterest expense to average assets | 3.9024% | 318 |
| Loan and lease loss provision to assets | 0.4359% | 143 |
| Net operating income to assets | 0.8226% | 3,264 |
| Return on assets (ROA) | 0.8226% | 3,335 |
| Pretax return on assets | 1.0130% | 3,228 |
| Return on Equity (ROE) | 9.2484% | 2,804 |
| Retained earnings to average equity (ytd only) | 9.2484% | 1,118 |
| Net charge-offs to loans | -0.0080% | 3,675 |
| Credit loss provision to net charge-offs | -7,076.9231% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9237% | 1,416 |
| Assets per employee ($millions) | 3.9598% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 1,230 |
| Loan loss allowance to noncurrent loans | 164.9611% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 912 |
| Noncurrent loans to loans | 0.9765% | 1,020 |
| Net loans and leases to total assets | 68.9218% | 1,156 |
| Net loans and leases to deposits | 76.9903% | 1,489 |
| Net loans and leases to core deposits | 84.5083% | 1,296 |
| Total domestic deposits to total assets | 89.5201% | 1,225 |
| Equity capital to assets | 9.3661% | 3,258 |
| Core capital (leverage) ratio | 9.5536% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,050,000 | 2,977 |
| Average earning assets | $185,183,600 | 3,063 |
| Average equity | $18,770,800 | 3,320 |
| Average total loans | $161,716,600 | 2,528 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5612% | 136 |
| Cost of funding earning assets | 0.3790% | 1,863 |
| Net interest margin | 5.1822% | 126 |
| Noninterest income to average assets | 1.1643% | 847 |
| Noninterest expense to average assets | 4.1474% | 262 |
| Loan and lease loss provision to assets | 0.3342% | 224 |
| Net operating income to assets | 0.9894% | 2,951 |
| Return on assets (ROA) | 0.9894% | 3,030 |
| Pretax return on assets | 1.1830% | 2,982 |
| Return on Equity (ROE) | 11.2878% | 2,276 |
| Retained earnings to average equity (ytd only) | 11.2878% | 994 |
| Net charge-offs to loans | -0.0156% | 3,860 |
| Credit loss provision to net charge-offs | -2,736.8421% | 4,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2153% | 1,284 |
| Assets per employee ($millions) | 3.5349% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 2,173 |
| Loan loss allowance to noncurrent loans | 146.0339% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.7629% | 946 |
| Noncurrent loans to loans | 0.9325% | 1,227 |
| Net loans and leases to total assets | 73.5632% | 726 |
| Net loans and leases to deposits | 81.7407% | 1,130 |
| Net loans and leases to core deposits | 92.2083% | 921 |
| Total domestic deposits to total assets | 89.9958% | 776 |
| Equity capital to assets | 8.9198% | 3,909 |
| Core capital (leverage) ratio | 8.9882% | 3,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,385,500 | 3,038 |
| Average earning assets | $180,099,750 | 3,131 |
| Average equity | $18,178,500 | 3,415 |
| Average total loans | $162,618,500 | 2,561 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0522% | 94 |
| Cost of funding earning assets | 0.4153% | 1,756 |
| Net interest margin | 5.6369% | 81 |
| Noninterest income to average assets | 1.3439% | 656 |
| Noninterest expense to average assets | 4.3485% | 232 |
| Loan and lease loss provision to assets | 0.5053% | 106 |
| Net operating income to assets | 1.0718% | 2,641 |
| Return on assets (ROA) | 1.0718% | 2,720 |
| Pretax return on assets | 1.3303% | 2,552 |
| Return on Equity (ROE) | 12.3020% | 1,946 |
| Retained earnings to average equity (ytd only) | 12.3020% | 851 |
| Net charge-offs to loans | -0.0146% | 3,844 |
| Credit loss provision to net charge-offs | -4,333.3333% | 3,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3174% | 1,595 |
| Assets per employee ($millions) | 3.5785% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,354 |
| Loan loss allowance to noncurrent loans | 171.8400% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 1,265 |
| Noncurrent loans to loans | 0.7667% | 1,571 |
| Net loans and leases to total assets | 76.2033% | 572 |
| Net loans and leases to deposits | 84.7091% | 1,012 |
| Net loans and leases to core deposits | 94.1532% | 897 |
| Total domestic deposits to total assets | 89.9588% | 799 |
| Equity capital to assets | 8.7543% | 4,009 |
| Core capital (leverage) ratio | 8.6533% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,817,000 | 3,055 |
| Average earning assets | $176,727,667 | 3,162 |
| Average equity | $17,932,000 | 3,433 |
| Average total loans | $164,099,667 | 2,565 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8138% | 135 |
| Cost of funding earning assets | 0.4417% | 1,789 |
| Net interest margin | 5.3721% | 120 |
| Noninterest income to average assets | 1.5397% | 577 |
| Noninterest expense to average assets | 4.4871% | 211 |
| Loan and lease loss provision to assets | 0.4332% | 164 |
| Net operating income to assets | 1.0908% | 2,502 |
| Return on assets (ROA) | 1.0908% | 2,578 |
| Pretax return on assets | 1.1931% | 2,861 |
| Return on Equity (ROE) | 12.5506% | 1,816 |
| Retained earnings to average equity (ytd only) | 12.5506% | 1,016 |
| Net charge-offs to loans | -0.0170% | 3,916 |
| Credit loss provision to net charge-offs | -3,142.8571% | 3,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3977% | 1,360 |
| Assets per employee ($millions) | 3.4479% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 3,307 |
| Loan loss allowance to noncurrent loans | 134.1588% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7092% | 1,311 |
| Noncurrent loans to loans | 0.8391% | 1,592 |
| Net loans and leases to total assets | 75.6861% | 659 |
| Net loans and leases to deposits | 83.8229% | 1,165 |
| Net loans and leases to core deposits | 94.3164% | 962 |
| Total domestic deposits to total assets | 90.2929% | 672 |
| Equity capital to assets | 8.3889% | 4,200 |
| Core capital (leverage) ratio | 8.7949% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,160,500 | 3,060 |
| Average earning assets | $172,969,000 | 3,186 |
| Average equity | $17,656,500 | 3,455 |
| Average total loans | $164,631,500 | 2,556 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4137% | 212 |
| Cost of funding earning assets | 0.6859% | 1,799 |
| Net interest margin | 4.7277% | 204 |
| Noninterest income to average assets | 1.7142% | 427 |
| Noninterest expense to average assets | 4.8091% | 209 |
| Loan and lease loss provision to assets | 0.4633% | 591 |
| Net operating income to assets | 0.4577% | 4,120 |
| Return on assets (ROA) | 0.4577% | 4,202 |
| Pretax return on assets | 0.5674% | 4,152 |
| Return on Equity (ROE) | 5.5780% | 3,720 |
| Retained earnings to average equity (ytd only) | 5.5780% | 2,010 |
| Net charge-offs to loans | 0.1415% | 1,144 |
| Credit loss provision to net charge-offs | 395.2790% | 1,445 |
| Earnings coverage of net charge-offs (x) | 8.7940% | 2,571 |
| Efficiency ratio | 82.3514% | 726 |
| Assets per employee ($millions) | 3.2636% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 3,964 |
| Loan loss allowance to noncurrent loans | 124.5181% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7479% | 1,377 |
| Noncurrent loans to loans | 0.7831% | 1,769 |
| Net loans and leases to total assets | 85.1784% | 124 |
| Net loans and leases to deposits | 95.1274% | 590 |
| Net loans and leases to core deposits | 110.8018% | 483 |
| Total domestic deposits to total assets | 89.5414% | 756 |
| Equity capital to assets | 9.0262% | 4,028 |
| Core capital (leverage) ratio | 8.6656% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,810,600 | 2,953 |
| Average earning assets | $173,487,200 | 3,039 |
| Average equity | $16,314,200 | 3,519 |
| Average total loans | $164,654,000 | 2,530 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5812% | 195 |
| Cost of funding earning assets | 0.7392% | 1,808 |
| Net interest margin | 4.8419% | 188 |
| Noninterest income to average assets | 1.8465% | 354 |
| Noninterest expense to average assets | 4.8122% | 206 |
| Loan and lease loss provision to assets | 0.5330% | 526 |
| Net operating income to assets | 0.6567% | 3,602 |
| Return on assets (ROA) | 0.6567% | 3,706 |
| Pretax return on assets | 0.7333% | 3,816 |
| Return on Equity (ROE) | 8.2003% | 2,729 |
| Retained earnings to average equity (ytd only) | 8.2003% | 1,237 |
| Net charge-offs to loans | 0.1662% | 888 |
| Credit loss provision to net charge-offs | 390.7317% | 1,489 |
| Earnings coverage of net charge-offs (x) | 9.2829% | 2,437 |
| Efficiency ratio | 79.1680% | 925 |
| Assets per employee ($millions) | 3.5732% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8827% | 4,124 |
| Loan loss allowance to noncurrent loans | 122.2490% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.7959% | 1,447 |
| Noncurrent loans to loans | 0.7220% | 1,996 |
| Net loans and leases to total assets | 83.9114% | 287 |
| Net loans and leases to deposits | 95.1613% | 830 |
| Net loans and leases to core deposits | 109.8305% | 710 |
| Total domestic deposits to total assets | 88.1781% | 1,134 |
| Equity capital to assets | 8.5736% | 4,424 |
| Core capital (leverage) ratio | 8.6306% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,375,750 | 2,916 |
| Average earning assets | $175,132,750 | 3,023 |
| Average equity | $16,047,750 | 3,544 |
| Average total loans | $164,411,000 | 2,538 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8937% | 164 |
| Cost of funding earning assets | 0.8172% | 1,750 |
| Net interest margin | 5.0765% | 174 |
| Noninterest income to average assets | 1.2118% | 680 |
| Noninterest expense to average assets | 4.7005% | 226 |
| Loan and lease loss provision to assets | 0.7831% | 318 |
| Net operating income to assets | 0.1576% | 4,625 |
| Return on assets (ROA) | 0.1576% | 4,662 |
| Pretax return on assets | 0.1687% | 4,661 |
| Return on Equity (ROE) | 2.0159% | 4,530 |
| Retained earnings to average equity (ytd only) | 2.0159% | 3,747 |
| Net charge-offs to loans | 0.0260% | 2,200 |
| Credit loss provision to net charge-offs | 3,714.2857% | 295 |
| Earnings coverage of net charge-offs (x) | 45.1429% | 1,171 |
| Efficiency ratio | 83.1616% | 689 |
| Assets per employee ($millions) | 3.7161% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 3,646 |
| Loan loss allowance to noncurrent loans | 133.1754% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.7489% | 1,649 |
| Noncurrent loans to loans | 0.7401% | 2,030 |
| Net loans and leases to total assets | 77.2531% | 958 |
| Net loans and leases to deposits | 87.8574% | 1,574 |
| Net loans and leases to core deposits | 100.3864% | 1,233 |
| Total domestic deposits to total assets | 87.9301% | 1,215 |
| Equity capital to assets | 7.1299% | 4,951 |
| Core capital (leverage) ratio | 7.3743% | 4,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7506% | 3,183 |
| Memoranda: | ||
| Average total assets | $199,212,333 | 2,908 |
| Average earning assets | $174,253,667 | 3,012 |
| Average equity | $15,576,333 | 3,597 |
| Average total loans | $161,739,333 | 2,551 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5993% | 299 |
| Cost of funding earning assets | 0.9389% | 1,694 |
| Net interest margin | 4.6604% | 369 |
| Noninterest income to average assets | 0.9429% | 971 |
| Noninterest expense to average assets | 4.5815% | 286 |
| Loan and lease loss provision to assets | 0.1057% | 2,362 |
| Net operating income to assets | 0.2833% | 4,378 |
| Return on assets (ROA) | 0.2833% | 4,400 |
| Pretax return on assets | 0.3066% | 4,445 |
| Return on Equity (ROE) | 3.4473% | 4,102 |
| Retained earnings to average equity (ytd only) | 3.4473% | 2,903 |
| Net charge-offs to loans | 0.0560% | 1,447 |
| Credit loss provision to net charge-offs | 227.2727% | 1,343 |
| Earnings coverage of net charge-offs (x) | 8.8636% | 1,846 |
| Efficiency ratio | 91.7443% | 439 |
| Assets per employee ($millions) | 3.2599% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5838% | 4,781 |
| Loan loss allowance to noncurrent loans | 71.9668% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.9155% | 1,463 |
| Noncurrent loans to loans | 0.8112% | 1,983 |
| Net loans and leases to total assets | 86.0180% | 141 |
| Net loans and leases to deposits | 94.1420% | 1,064 |
| Net loans and leases to core deposits | 109.4072% | 879 |
| Total domestic deposits to total assets | 91.3705% | 75 |
| Equity capital to assets | 8.2545% | 4,913 |
| Core capital (leverage) ratio | 8.2311% | 4,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0769% | 3,319 |
| Memoranda: | ||
| Average total assets | $189,195,000 | 2,965 |
| Average earning assets | $164,449,000 | 3,067 |
| Average equity | $15,548,500 | 3,608 |
| Average total loans | $157,078,500 | 2,572 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4320% | 625 |
| Cost of funding earning assets | 0.9026% | 2,178 |
| Net interest margin | 4.5294% | 682 |
| Noninterest income to average assets | 0.9590% | 1,059 |
| Noninterest expense to average assets | 4.3233% | 365 |
| Loan and lease loss provision to assets | 0.1002% | 2,054 |
| Net operating income to assets | 0.4300% | 4,543 |
| Return on assets (ROA) | 0.4300% | 4,573 |
| Pretax return on assets | 0.5346% | 4,516 |
| Return on Equity (ROE) | 5.0131% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.0131% | 2,405 |
| Net charge-offs to loans | 0.0127% | 3,234 |
| Credit loss provision to net charge-offs | 1,047.0588% | 329 |
| Earnings coverage of net charge-offs (x) | 66.3529% | 915 |
| Efficiency ratio | 87.1964% | 482 |
| Assets per employee ($millions) | 3.2088% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6157% | 4,714 |
| Loan loss allowance to noncurrent loans | 70.4943% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 0.9101% | 1,397 |
| Noncurrent loans to loans | 0.8734% | 1,754 |
| Net loans and leases to total assets | 79.0411% | 925 |
| Net loans and leases to deposits | 86.5100% | 2,025 |
| Net loans and leases to core deposits | 99.7713% | 1,581 |
| Total domestic deposits to total assets | 91.3664% | 75 |
| Equity capital to assets | 8.1820% | 5,017 |
| Core capital (leverage) ratio | 8.6551% | 4,755 |
| Tier 1 risk-based capital ratio | 10.8848% | 4,897 |
| Total risk-based capital ratio | 11.5369% | 5,014 |
| Memoranda: | ||
| Average total assets | $177,689,000 | 3,045 |
| Average earning assets | $156,886,400 | 3,114 |
| Average equity | $15,240,200 | 3,616 |
| Average total loans | $134,201,200 | 2,783 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3854% | 726 |
| Cost of funding earning assets | 0.9018% | 2,227 |
| Net interest margin | 4.4836% | 799 |
| Noninterest income to average assets | 0.9780% | 978 |
| Noninterest expense to average assets | 4.1536% | 440 |
| Loan and lease loss provision to assets | 0.1221% | 1,602 |
| Net operating income to assets | 0.5851% | 4,327 |
| Return on assets (ROA) | 0.5851% | 4,379 |
| Pretax return on assets | 0.7110% | 4,321 |
| Return on Equity (ROE) | 6.7378% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.7378% | 1,988 |
| Net charge-offs to loans | 0.0164% | 2,821 |
| Credit loss provision to net charge-offs | 1,000.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 68.2588% | 975 |
| Efficiency ratio | 83.2951% | 663 |
| Assets per employee ($millions) | 3.0431% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6565% | 4,716 |
| Loan loss allowance to noncurrent loans | 68.6511% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 1,393 |
| Noncurrent loans to loans | 0.9563% | 1,686 |
| Net loans and leases to total assets | 76.7785% | 1,348 |
| Net loans and leases to deposits | 84.4826% | 2,386 |
| Net loans and leases to core deposits | 97.3958% | 1,864 |
| Total domestic deposits to total assets | 90.8808% | 115 |
| Equity capital to assets | 8.6608% | 4,942 |
| Core capital (leverage) ratio | 8.5897% | 4,895 |
| Tier 1 risk-based capital ratio | 12.1268% | 4,351 |
| Total risk-based capital ratio | 12.8375% | 4,527 |
| Memoranda: | ||
| Average total assets | $174,781,750 | 3,101 |
| Average earning assets | $156,271,000 | 3,153 |
| Average equity | $15,177,750 | 3,655 |
| Average total loans | $130,110,000 | 2,853 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2833% | 838 |
| Cost of funding earning assets | 0.8929% | 2,186 |
| Net interest margin | 4.3904% | 959 |
| Noninterest income to average assets | 0.9873% | 891 |
| Noninterest expense to average assets | 4.0313% | 514 |
| Loan and lease loss provision to assets | 0.1155% | 1,623 |
| Net operating income to assets | 0.6282% | 4,224 |
| Return on assets (ROA) | 0.6282% | 4,270 |
| Pretax return on assets | 0.7529% | 4,211 |
| Return on Equity (ROE) | 7.2275% | 3,592 |
| Retained earnings to average equity (ytd only) | 7.2275% | 1,712 |
| Net charge-offs to loans | 0.0189% | 2,494 |
| Credit loss provision to net charge-offs | 833.3333% | 405 |
| Earnings coverage of net charge-offs (x) | 62.6667% | 958 |
| Efficiency ratio | 82.2767% | 786 |
| Assets per employee ($millions) | 3.1064% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6376% | 4,813 |
| Loan loss allowance to noncurrent loans | 38.3925% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.4881% | 760 |
| Noncurrent loans to loans | 1.6608% | 921 |
| Net loans and leases to total assets | 75.2484% | 1,677 |
| Net loans and leases to deposits | 82.8607% | 2,635 |
| Net loans and leases to core deposits | 98.9550% | 1,810 |
| Total domestic deposits to total assets | 90.8131% | 128 |
| Equity capital to assets | 8.6566% | 4,975 |
| Core capital (leverage) ratio | 8.7454% | 4,808 |
| Tier 1 risk-based capital ratio | 12.1676% | 4,319 |
| Total risk-based capital ratio | 12.8467% | 4,528 |
| Memoranda: | ||
| Average total assets | $173,194,000 | 3,125 |
| Average earning assets | $154,336,670 | 3,187 |
| Average equity | $15,053,670 | 3,676 |
| Average total loans | $127,225,670 | 2,904 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2443% | 832 |
| Cost of funding earning assets | 0.8802% | 2,095 |
| Net interest margin | 4.3641% | 980 |
| Noninterest income to average assets | 0.9296% | 971 |
| Noninterest expense to average assets | 3.9356% | 580 |
| Loan and lease loss provision to assets | 0.0934% | 1,864 |
| Net operating income to assets | 0.6657% | 4,038 |
| Return on assets (ROA) | 0.6657% | 4,075 |
| Pretax return on assets | 0.7684% | 4,122 |
| Return on Equity (ROE) | 7.6425% | 3,404 |
| Retained earnings to average equity (ytd only) | 7.6425% | 1,792 |
| Net charge-offs to loans | 0.0420% | 1,671 |
| Credit loss provision to net charge-offs | 307.6923% | 806 |
| Earnings coverage of net charge-offs (x) | 28.3846% | 1,361 |
| Efficiency ratio | 82.0351% | 869 |
| Assets per employee ($millions) | 3.2322% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 4,878 |
| Loan loss allowance to noncurrent loans | 33.9897% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.5436% | 761 |
| Noncurrent loans to loans | 1.8617% | 820 |
| Net loans and leases to total assets | 70.1367% | 2,456 |
| Net loans and leases to deposits | 76.9452% | 3,169 |
| Net loans and leases to core deposits | 88.2948% | 2,653 |
| Total domestic deposits to total assets | 91.1515% | 142 |
| Equity capital to assets | 8.4750% | 5,001 |
| Core capital (leverage) ratio | 8.7823% | 4,806 |
| Tier 1 risk-based capital ratio | 12.6496% | 4,071 |
| Total risk-based capital ratio | 13.3164% | 4,314 |
| Memoranda: | ||
| Average total assets | $171,257,500 | 3,179 |
| Average earning assets | $151,783,000 | 3,249 |
| Average equity | $14,916,500 | 3,707 |
| Average total loans | $123,791,000 | 2,980 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 1,322 |
| Cost of funding earning assets | 0.7499% | 1,791 |
| Net interest margin | 4.1382% | 1,566 |
| Noninterest income to average assets | 1.4649% | 425 |
| Noninterest expense to average assets | 4.3595% | 345 |
| Loan and lease loss provision to assets | 0.1814% | 1,077 |
| Net operating income to assets | 0.4405% | 4,788 |
| Return on assets (ROA) | 0.4405% | 4,783 |
| Pretax return on assets | 0.5494% | 4,723 |
| Return on Equity (ROE) | 4.8483% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.8483% | 2,862 |
| Net charge-offs to loans | 0.1194% | 1,545 |
| Credit loss provision to net charge-offs | 215.9091% | 1,341 |
| Earnings coverage of net charge-offs (x) | 8.6970% | 2,875 |
| Efficiency ratio | 85.6428% | 552 |
| Assets per employee ($millions) | 3.0508% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6273% | 4,930 |
| Loan loss allowance to noncurrent loans | 26.3230% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 2.0140% | 475 |
| Noncurrent loans to loans | 2.3832% | 530 |
| Net loans and leases to total assets | 73.6532% | 1,981 |
| Net loans and leases to deposits | 81.2666% | 2,822 |
| Net loans and leases to core deposits | 94.1744% | 2,211 |
| Total domestic deposits to total assets | 90.6316% | 288 |
| Equity capital to assets | 8.9635% | 4,609 |
| Core capital (leverage) ratio | 8.6347% | 4,930 |
| Tier 1 risk-based capital ratio | 12.7086% | 4,009 |
| Total risk-based capital ratio | 13.3673% | 4,238 |
| Memoranda: | ||
| Average total assets | $157,080,600 | 3,315 |
| Average earning assets | $137,621,800 | 3,388 |
| Average equity | $14,273,000 | 3,718 |
| Average total loans | $110,589,600 | 3,117 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8650% | 1,256 |
| Cost of funding earning assets | 0.6918% | 1,893 |
| Net interest margin | 4.1733% | 1,434 |
| Noninterest income to average assets | 1.2382% | 626 |
| Noninterest expense to average assets | 4.2268% | 386 |
| Loan and lease loss provision to assets | 0.0902% | 2,170 |
| Net operating income to assets | 0.4451% | 4,867 |
| Return on assets (ROA) | 0.4451% | 4,873 |
| Pretax return on assets | 0.5603% | 4,801 |
| Return on Equity (ROE) | 4.8811% | 4,602 |
| Retained earnings to average equity (ytd only) | 4.8811% | 3,302 |
| Net charge-offs to loans | 0.1399% | 1,166 |
| Credit loss provision to net charge-offs | 92.9204% | 2,386 |
| Earnings coverage of net charge-offs (x) | 6.6993% | 2,858 |
| Efficiency ratio | 86.6631% | 481 |
| Assets per employee ($millions) | 3.1856% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5218% | 5,161 |
| Loan loss allowance to noncurrent loans | 128.4501% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.8594% | 1,722 |
| Noncurrent loans to loans | 0.4062% | 3,196 |
| Net loans and leases to total assets | 68.3117% | 2,891 |
| Net loans and leases to deposits | 77.5647% | 3,275 |
| Net loans and leases to core deposits | 93.1578% | 2,379 |
| Total domestic deposits to total assets | 88.0706% | 1,213 |
| Equity capital to assets | 8.6445% | 4,837 |
| Core capital (leverage) ratio | 8.6733% | 4,975 |
| Tier 1 risk-based capital ratio | 12.9835% | 3,920 |
| Total risk-based capital ratio | 13.5214% | 4,224 |
| Memoranda: | ||
| Average total assets | $155,164,500 | 3,359 |
| Average earning assets | $135,302,000 | 3,458 |
| Average equity | $14,149,500 | 3,758 |
| Average total loans | $107,710,500 | 3,200 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7525% | 1,377 |
| Cost of funding earning assets | 0.5035% | 2,986 |
| Net interest margin | 4.2491% | 1,163 |
| Noninterest income to average assets | 1.2217% | 646 |
| Noninterest expense to average assets | 4.4181% | 320 |
| Loan and lease loss provision to assets | 0.0797% | 2,312 |
| Net operating income to assets | 0.3453% | 5,051 |
| Return on assets (ROA) | 0.3453% | 5,052 |
| Pretax return on assets | 0.4223% | 5,021 |
| Return on Equity (ROE) | 3.7140% | 4,884 |
| Retained earnings to average equity (ytd only) | 3.7140% | 3,743 |
| Net charge-offs to loans | 0.1277% | 1,160 |
| Credit loss provision to net charge-offs | 89.5522% | 2,161 |
| Earnings coverage of net charge-offs (x) | 5.6418% | 2,695 |
| Efficiency ratio | 89.7976% | 379 |
| Assets per employee ($millions) | 3.5563% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5370% | 5,210 |
| Loan loss allowance to noncurrent loans | 136.7946% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 1,751 |
| Noncurrent loans to loans | 0.3926% | 3,285 |
| Net loans and leases to total assets | 67.1529% | 2,992 |
| Net loans and leases to deposits | 76.1317% | 3,310 |
| Net loans and leases to core deposits | 85.3365% | 2,981 |
| Total domestic deposits to total assets | 88.2062% | 1,269 |
| Equity capital to assets | 8.5769% | 4,888 |
| Core capital (leverage) ratio | 8.8622% | 4,826 |
| Tier 1 risk-based capital ratio | 13.1288% | 3,832 |
| Total risk-based capital ratio | 13.6834% | 4,118 |
| Memoranda: | ||
| Average total assets | $150,607,670 | 3,429 |
| Average earning assets | $131,088,000 | 3,536 |
| Average equity | $14,001,000 | 3,797 |
| Average total loans | $104,967,670 | 3,250 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 1,227 |
| Cost of funding earning assets | 0.4898% | 2,869 |
| Net interest margin | 4.2441% | 1,068 |
| Noninterest income to average assets | 1.1438% | 710 |
| Noninterest expense to average assets | 4.4261% | 317 |
| Loan and lease loss provision to assets | 0.0422% | 2,914 |
| Net operating income to assets | 0.3288% | 5,055 |
| Return on assets (ROA) | 0.3288% | 5,061 |
| Pretax return on assets | 0.3766% | 5,064 |
| Return on Equity (ROE) | 3.3831% | 4,929 |
| Retained earnings to average equity (ytd only) | 3.3831% | 3,857 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3573% | 389 |
| Assets per employee ($millions) | 3.2059% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6092% | 5,168 |
| Loan loss allowance to noncurrent loans | 83.1788% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.1051% | 1,404 |
| Noncurrent loans to loans | 0.7324% | 2,379 |
| Net loans and leases to total assets | 65.2231% | 3,147 |
| Net loans and leases to deposits | 74.4795% | 3,369 |
| Net loans and leases to core deposits | 85.3424% | 2,858 |
| Total domestic deposits to total assets | 87.5719% | 1,862 |
| Equity capital to assets | 9.0338% | 4,523 |
| Core capital (leverage) ratio | 10.2743% | 3,216 |
| Tier 1 risk-based capital ratio | 14.0822% | 3,337 |
| Total risk-based capital ratio | 14.7048% | 3,604 |
| Memoranda: | ||
| Average total assets | $142,338,000 | 3,575 |
| Average earning assets | $124,126,000 | 3,675 |
| Average equity | $13,833,500 | 3,850 |
| Average total loans | $101,026,500 | 3,340 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 1,612 |
| Cost of funding earning assets | 0.2488% | 4,577 |
| Net interest margin | 4.2824% | 1,002 |
| Noninterest income to average assets | 1.4932% | 474 |
| Noninterest expense to average assets | 4.5180% | 311 |
| Loan and lease loss provision to assets | 0.1633% | 1,360 |
| Net operating income to assets | 0.3685% | 4,790 |
| Return on assets (ROA) | 0.3685% | 4,807 |
| Pretax return on assets | 0.5016% | 4,930 |
| Return on Equity (ROE) | 3.6215% | 4,638 |
| Retained earnings to average equity (ytd only) | 3.6215% | 3,089 |
| Net charge-offs to loans | 0.3726% | 680 |
| Credit loss provision to net charge-offs | 63.9344% | 3,177 |
| Earnings coverage of net charge-offs (x) | 2.6033% | 3,729 |
| Efficiency ratio | 87.1708% | 576 |
| Assets per employee ($millions) | 2.6581% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6194% | 5,207 |
| Loan loss allowance to noncurrent loans | 59.1699% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.6459% | 794 |
| Noncurrent loans to loans | 1.0468% | 1,700 |
| Net loans and leases to total assets | 77.0874% | 1,414 |
| Net loans and leases to deposits | 90.3649% | 1,732 |
| Net loans and leases to core deposits | 92.2352% | 2,356 |
| Total domestic deposits to total assets | 85.3067% | 2,723 |
| Equity capital to assets | 10.5620% | 3,094 |
| Core capital (leverage) ratio | 10.8740% | 2,448 |
| Tier 1 risk-based capital ratio | 13.7481% | 3,497 |
| Total risk-based capital ratio | 14.3731% | 3,749 |
| Memoranda: | ||
| Average total assets | $119,411,600 | 3,905 |
| Average earning assets | $102,885,400 | 4,048 |
| Average equity | $12,149,800 | 4,116 |
| Average total loans | $81,862,800 | 3,708 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 2,024 |
| Cost of funding earning assets | 0.2420% | 4,647 |
| Net interest margin | 4.1360% | 1,303 |
| Noninterest income to average assets | 1.4984% | 482 |
| Noninterest expense to average assets | 4.5043% | 315 |
| Loan and lease loss provision to assets | 0.0682% | 2,711 |
| Net operating income to assets | 0.2897% | 5,231 |
| Return on assets (ROA) | 0.2897% | 5,256 |
| Pretax return on assets | 0.4783% | 5,071 |
| Return on Equity (ROE) | 2.8768% | 5,137 |
| Retained earnings to average equity (ytd only) | 2.8768% | 4,192 |
| Net charge-offs to loans | 0.2904% | 736 |
| Credit loss provision to net charge-offs | 35.5030% | 3,037 |
| Earnings coverage of net charge-offs (x) | 2.8461% | 3,419 |
| Efficiency ratio | 89.1813% | 445 |
| Assets per employee ($millions) | 2.8442% | 5,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6670% | 5,212 |
| Loan loss allowance to noncurrent loans | 75.6458% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.5942% | 927 |
| Noncurrent loans to loans | 0.8818% | 2,169 |
| Net loans and leases to total assets | 73.1839% | 2,065 |
| Net loans and leases to deposits | 81.7221% | 2,808 |
| Net loans and leases to core deposits | 84.5935% | 3,082 |
| Total domestic deposits to total assets | 89.5521% | 642 |
| Equity capital to assets | 10.2281% | 3,666 |
| Core capital (leverage) ratio | 10.7155% | 2,746 |
| Tier 1 risk-based capital ratio | 13.6627% | 3,607 |
| Total risk-based capital ratio | 14.3191% | 3,870 |
| Memoranda: | ||
| Average total assets | $117,367,250 | 3,973 |
| Average earning assets | $100,804,000 | 4,124 |
| Average equity | $11,818,250 | 4,211 |
| Average total loans | $77,586,500 | 3,833 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 2,224 |
| Cost of funding earning assets | 0.2300% | 4,715 |
| Net interest margin | 4.0409% | 1,485 |
| Noninterest income to average assets | 1.4986% | 483 |
| Noninterest expense to average assets | 4.4749% | 331 |
| Loan and lease loss provision to assets | 0.0523% | 2,938 |
| Net operating income to assets | 0.2736% | 5,282 |
| Return on assets (ROA) | 0.2736% | 5,296 |
| Pretax return on assets | 0.4304% | 5,114 |
| Return on Equity (ROE) | 2.7326% | 5,189 |
| Retained earnings to average equity (ytd only) | 2.7326% | 4,071 |
| Net charge-offs to loans | 0.4401% | 458 |
| Credit loss provision to net charge-offs | 18.7500% | 2,794 |
| Earnings coverage of net charge-offs (x) | 1.7313% | 3,251 |
| Efficiency ratio | 90.2636% | 444 |
| Assets per employee ($millions) | 2.6378% | 5,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 4,966 |
| Loan loss allowance to noncurrent loans | 69.6827% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.7577% | 801 |
| Noncurrent loans to loans | 1.1391% | 1,719 |
| Net loans and leases to total assets | 63.8607% | 3,404 |
| Net loans and leases to deposits | 71.0937% | 3,819 |
| Net loans and leases to core deposits | 73.9715% | 3,939 |
| Total domestic deposits to total assets | 89.8261% | 592 |
| Equity capital to assets | 9.9688% | 3,947 |
| Core capital (leverage) ratio | 9.9717% | 3,570 |
| Tier 1 risk-based capital ratio | 14.5429% | 3,142 |
| Total risk-based capital ratio | 15.2878% | 3,324 |
| Memoranda: | ||
| Average total assets | $114,774,670 | 4,045 |
| Average earning assets | $98,244,670 | 4,196 |
| Average equity | $11,491,000 | 4,274 |
| Average total loans | $72,715,000 | 3,957 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1603% | 2,429 |
| Cost of funding earning assets | 0.2259% | 4,744 |
| Net interest margin | 3.9345% | 1,656 |
| Noninterest income to average assets | 1.4580% | 506 |
| Noninterest expense to average assets | 4.4265% | 354 |
| Loan and lease loss provision to assets | 0.0526% | 2,760 |
| Net operating income to assets | 0.2488% | 5,306 |
| Return on assets (ROA) | 0.2488% | 5,322 |
| Pretax return on assets | 0.3365% | 5,256 |
| Return on Equity (ROE) | 2.4800% | 5,235 |
| Retained earnings to average equity (ytd only) | 2.4800% | 4,149 |
| Net charge-offs to loans | -0.0112% | 4,476 |
| Credit loss provision to net charge-offs | -750.0000% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9214% | 456 |
| Assets per employee ($millions) | 2.6580% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 4,217 |
| Loan loss allowance to noncurrent loans | 59.9030% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 2.2389% | 552 |
| Noncurrent loans to loans | 1.6863% | 1,142 |
| Net loans and leases to total assets | 63.5347% | 3,326 |
| Net loans and leases to deposits | 70.8431% | 3,711 |
| Net loans and leases to core deposits | 72.7130% | 3,936 |
| Total domestic deposits to total assets | 89.6837% | 804 |
| Equity capital to assets | 10.0503% | 3,696 |
| Core capital (leverage) ratio | 10.1488% | 3,311 |
| Tier 1 risk-based capital ratio | 14.7057% | 3,112 |
| Total risk-based capital ratio | 15.6541% | 3,182 |
| Memoranda: | ||
| Average total assets | $114,131,000 | 4,091 |
| Average earning assets | $97,396,000 | 4,248 |
| Average equity | $11,451,500 | 4,314 |
| Average total loans | $71,717,000 | 4,011 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 3,150 |
| Cost of funding earning assets | 0.2391% | 4,663 |
| Net interest margin | 3.7735% | 2,412 |
| Noninterest income to average assets | 1.6181% | 468 |
| Noninterest expense to average assets | 4.3455% | 432 |
| Loan and lease loss provision to assets | 0.0440% | 3,502 |
| Net operating income to assets | 0.2914% | 5,240 |
| Return on assets (ROA) | 0.2914% | 5,309 |
| Pretax return on assets | 0.4243% | 5,175 |
| Return on Equity (ROE) | 2.9364% | 5,177 |
| Retained earnings to average equity (ytd only) | 2.9364% | 3,807 |
| Net charge-offs to loans | 0.1272% | 1,973 |
| Credit loss provision to net charge-offs | 59.5238% | 3,256 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 3,194 |
| Efficiency ratio | 90.2707% | 536 |
| Assets per employee ($millions) | 2.7135% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 4,130 |
| Loan loss allowance to noncurrent loans | 74.8447% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.9102% | 746 |
| Noncurrent loans to loans | 1.3785% | 1,486 |
| Net loans and leases to total assets | 60.8536% | 3,753 |
| Net loans and leases to deposits | 67.9958% | 4,083 |
| Net loans and leases to core deposits | 69.2457% | 4,307 |
| Total domestic deposits to total assets | 89.4961% | 862 |
| Equity capital to assets | 10.0169% | 3,705 |
| Core capital (leverage) ratio | 9.8916% | 3,641 |
| Tier 1 risk-based capital ratio | 15.3389% | 2,826 |
| Total risk-based capital ratio | 16.3101% | 2,870 |
| Memoranda: | ||
| Average total assets | $113,590,000 | 4,100 |
| Average earning assets | $96,196,400 | 4,270 |
| Average equity | $11,272,400 | 4,384 |
| Average total loans | $66,044,000 | 4,140 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0098% | 3,196 |
| Cost of funding earning assets | 0.2423% | 4,675 |
| Net interest margin | 3.7676% | 2,460 |
| Noninterest income to average assets | 1.6317% | 462 |
| Noninterest expense to average assets | 4.3208% | 436 |
| Loan and lease loss provision to assets | 0.0411% | 3,413 |
| Net operating income to assets | 0.2890% | 5,307 |
| Return on assets (ROA) | 0.2890% | 5,393 |
| Pretax return on assets | 0.4488% | 5,233 |
| Return on Equity (ROE) | 2.9190% | 5,243 |
| Retained earnings to average equity (ytd only) | 2.9190% | 4,154 |
| Net charge-offs to loans | 0.1722% | 1,336 |
| Credit loss provision to net charge-offs | 41.6667% | 3,137 |
| Earnings coverage of net charge-offs (x) | 4.9642% | 3,194 |
| Efficiency ratio | 89.8168% | 568 |
| Assets per employee ($millions) | 2.7641% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,994 |
| Loan loss allowance to noncurrent loans | 46.8564% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 1.8037% | 909 |
| Noncurrent loans to loans | 2.2913% | 804 |
| Net loans and leases to total assets | 56.1937% | 4,291 |
| Net loans and leases to deposits | 62.7074% | 4,581 |
| Net loans and leases to core deposits | 64.0999% | 4,722 |
| Total domestic deposits to total assets | 89.6126% | 620 |
| Equity capital to assets | 9.7835% | 4,377 |
| Core capital (leverage) ratio | 9.8860% | 3,712 |
| Tier 1 risk-based capital ratio | 15.7674% | 2,713 |
| Total risk-based capital ratio | 16.7522% | 2,761 |
| Memoranda: | ||
| Average total assets | $113,495,750 | 4,132 |
| Average earning assets | $95,762,750 | 4,307 |
| Average equity | $11,236,500 | 4,424 |
| Average total loans | $65,036,000 | 4,186 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 3,037 |
| Cost of funding earning assets | 0.2464% | 4,694 |
| Net interest margin | 3.8099% | 2,272 |
| Noninterest income to average assets | 1.6124% | 474 |
| Noninterest expense to average assets | 4.3789% | 424 |
| Loan and lease loss provision to assets | 0.0355% | 3,444 |
| Net operating income to assets | 0.2717% | 5,389 |
| Return on assets (ROA) | 0.2717% | 5,465 |
| Pretax return on assets | 0.4102% | 5,329 |
| Return on Equity (ROE) | 2.7331% | 5,325 |
| Retained earnings to average equity (ytd only) | 2.7331% | 4,170 |
| Net charge-offs to loans | 0.1885% | 1,221 |
| Credit loss provision to net charge-offs | 32.7869% | 2,833 |
| Earnings coverage of net charge-offs (x) | 4.1148% | 3,021 |
| Efficiency ratio | 90.7619% | 560 |
| Assets per employee ($millions) | 2.6874% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 4,151 |
| Loan loss allowance to noncurrent loans | 45.2532% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 1.9296% | 863 |
| Noncurrent loans to loans | 2.3495% | 767 |
| Net loans and leases to total assets | 58.9464% | 4,016 |
| Net loans and leases to deposits | 65.7074% | 4,370 |
| Net loans and leases to core deposits | 67.5637% | 4,508 |
| Total domestic deposits to total assets | 89.7105% | 590 |
| Equity capital to assets | 10.0016% | 4,224 |
| Core capital (leverage) ratio | 9.8223% | 3,785 |
| Tier 1 risk-based capital ratio | 15.2854% | 2,943 |
| Total risk-based capital ratio | 16.2576% | 3,021 |
| Memoranda: | ||
| Average total assets | $112,630,000 | 4,172 |
| Average earning assets | $94,962,670 | 4,362 |
| Average equity | $11,196,000 | 4,455 |
| Average total loans | $64,733,000 | 4,223 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 3,187 |
| Cost of funding earning assets | 0.2506% | 4,700 |
| Net interest margin | 3.7596% | 2,439 |
| Noninterest income to average assets | 1.5608% | 481 |
| Noninterest expense to average assets | 4.4085% | 418 |
| Loan and lease loss provision to assets | 0.0356% | 3,188 |
| Net operating income to assets | 0.1813% | 5,566 |
| Return on assets (ROA) | 0.1813% | 5,620 |
| Pretax return on assets | 0.2631% | 5,562 |
| Return on Equity (ROE) | 1.8297% | 5,538 |
| Retained earnings to average equity (ytd only) | 1.8297% | 4,527 |
| Net charge-offs to loans | 0.2962% | 719 |
| Credit loss provision to net charge-offs | 21.2766% | 2,290 |
| Earnings coverage of net charge-offs (x) | 1.7872% | 2,771 |
| Efficiency ratio | 93.6556% | 465 |
| Assets per employee ($millions) | 2.7438% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 3,944 |
| Loan loss allowance to noncurrent loans | 44.3350% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 1.9876% | 875 |
| Noncurrent loans to loans | 2.5267% | 734 |
| Net loans and leases to total assets | 56.4936% | 4,199 |
| Net loans and leases to deposits | 62.8740% | 4,518 |
| Net loans and leases to core deposits | 65.0298% | 4,620 |
| Total domestic deposits to total assets | 89.8521% | 655 |
| Equity capital to assets | 9.9364% | 4,164 |
| Core capital (leverage) ratio | 9.7454% | 3,853 |
| Tier 1 risk-based capital ratio | 14.8907% | 3,204 |
| Total risk-based capital ratio | 15.8531% | 3,279 |
| Memoranda: | ||
| Average total assets | $112,509,000 | 4,216 |
| Average earning assets | $94,159,500 | 4,421 |
| Average equity | $11,149,500 | 4,475 |
| Average total loans | $63,475,000 | 4,277 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8705% | 3,805 |
| Cost of funding earning assets | 0.2545% | 4,732 |
| Net interest margin | 3.6160% | 3,074 |
| Noninterest income to average assets | 1.5707% | 511 |
| Noninterest expense to average assets | 4.3223% | 475 |
| Loan and lease loss provision to assets | 0.1367% | 1,735 |
| Net operating income to assets | 0.1410% | 5,698 |
| Return on assets (ROA) | 0.1410% | 5,748 |
| Pretax return on assets | 0.1857% | 5,697 |
| Return on Equity (ROE) | 1.4495% | 5,694 |
| Retained earnings to average equity (ytd only) | 1.4495% | 4,904 |
| Net charge-offs to loans | 0.2494% | 1,205 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 2.3590% | 3,921 |
| Efficiency ratio | 93.0592% | 526 |
| Assets per employee ($millions) | 2.7444% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 3,438 |
| Loan loss allowance to noncurrent loans | 45.4928% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 2.0352% | 857 |
| Noncurrent loans to loans | 2.6549% | 671 |
| Net loans and leases to total assets | 55.0292% | 4,385 |
| Net loans and leases to deposits | 61.3337% | 4,679 |
| Net loans and leases to core deposits | 63.2889% | 4,779 |
| Total domestic deposits to total assets | 89.7211% | 745 |
| Equity capital to assets | 9.8834% | 4,097 |
| Core capital (leverage) ratio | 9.5409% | 4,116 |
| Tier 1 risk-based capital ratio | 15.5653% | 2,902 |
| Total risk-based capital ratio | 16.6278% | 2,936 |
| Memoranda: | ||
| Average total assets | $114,151,000 | 4,173 |
| Average earning assets | $97,041,000 | 4,368 |
| Average equity | $11,107,400 | 4,459 |
| Average total loans | $62,540,600 | 4,307 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8596% | 3,893 |
| Cost of funding earning assets | 0.2526% | 4,853 |
| Net interest margin | 3.6070% | 3,131 |
| Noninterest income to average assets | 1.5631% | 515 |
| Noninterest expense to average assets | 4.2039% | 537 |
| Loan and lease loss provision to assets | 0.0116% | 4,042 |
| Net operating income to assets | 0.2933% | 5,471 |
| Return on assets (ROA) | 0.2933% | 5,551 |
| Pretax return on assets | 0.4225% | 5,417 |
| Return on Equity (ROE) | 3.0258% | 5,378 |
| Retained earnings to average equity (ytd only) | 3.0258% | 4,286 |
| Net charge-offs to loans | 0.3562% | 741 |
| Credit loss provision to net charge-offs | 5.9880% | 3,480 |
| Earnings coverage of net charge-offs (x) | 2.2335% | 3,703 |
| Efficiency ratio | 90.6399% | 659 |
| Assets per employee ($millions) | 2.8139% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 4,915 |
| Loan loss allowance to noncurrent loans | 71.1744% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.3331% | 1,754 |
| Noncurrent loans to loans | 1.3555% | 1,889 |
| Net loans and leases to total assets | 53.3834% | 4,632 |
| Net loans and leases to deposits | 59.3692% | 4,899 |
| Net loans and leases to core deposits | 61.1791% | 4,991 |
| Total domestic deposits to total assets | 89.9177% | 605 |
| Equity capital to assets | 9.7355% | 4,471 |
| Core capital (leverage) ratio | 9.7639% | 3,944 |
| Tier 1 risk-based capital ratio | 15.9744% | 2,810 |
| Total risk-based capital ratio | 16.8317% | 2,938 |
| Memoranda: | ||
| Average total assets | $114,558,250 | 4,205 |
| Average earning assets | $97,659,000 | 4,390 |
| Average equity | $11,104,000 | 4,508 |
| Average total loans | $62,506,500 | 4,347 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8461% | 3,892 |
| Cost of funding earning assets | 0.2506% | 4,935 |
| Net interest margin | 3.5955% | 3,110 |
| Noninterest income to average assets | 1.5750% | 520 |
| Noninterest expense to average assets | 4.1667% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3395% | 5,329 |
| Return on assets (ROA) | 0.3395% | 5,437 |
| Pretax return on assets | 0.4970% | 5,236 |
| Return on Equity (ROE) | 3.5077% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.5077% | 3,802 |
| Net charge-offs to loans | 0.0926% | 2,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.7931% | 2,419 |
| Efficiency ratio | 89.3433% | 802 |
| Assets per employee ($millions) | 2.7522% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 4,065 |
| Loan loss allowance to noncurrent loans | 76.3903% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.6532% | 1,451 |
| Noncurrent loans to loans | 1.5100% | 1,762 |
| Net loans and leases to total assets | 56.6688% | 4,258 |
| Net loans and leases to deposits | 63.2753% | 4,599 |
| Net loans and leases to core deposits | 65.2993% | 4,712 |
| Total domestic deposits to total assets | 89.5592% | 868 |
| Equity capital to assets | 10.1502% | 3,865 |
| Core capital (leverage) ratio | 9.8243% | 3,834 |
| Tier 1 risk-based capital ratio | 15.4116% | 3,157 |
| Total risk-based capital ratio | 16.4203% | 3,200 |
| Memoranda: | ||
| Average total assets | $114,287,330 | 4,247 |
| Average earning assets | $98,177,000 | 4,418 |
| Average equity | $11,061,330 | 4,551 |
| Average total loans | $62,612,330 | 4,385 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8109% | 3,964 |
| Cost of funding earning assets | 0.2538% | 4,979 |
| Net interest margin | 3.5571% | 3,194 |
| Noninterest income to average assets | 1.3507% | 631 |
| Noninterest expense to average assets | 4.0623% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2234% | 5,624 |
| Return on assets (ROA) | 0.2234% | 5,716 |
| Pretax return on assets | 0.3231% | 5,597 |
| Return on Equity (ROE) | 2.3626% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.3626% | 4,508 |
| Net charge-offs to loans | 0.1155% | 1,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.2222% | 2,405 |
| Efficiency ratio | 92.6332% | 674 |
| Assets per employee ($millions) | 2.9075% | 5,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 4,148 |
| Loan loss allowance to noncurrent loans | 134.3636% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.2184% | 2,195 |
| Noncurrent loans to loans | 0.8702% | 3,070 |
| Net loans and leases to total assets | 53.7102% | 4,482 |
| Net loans and leases to deposits | 59.4848% | 4,782 |
| Net loans and leases to core deposits | 60.9254% | 4,924 |
| Total domestic deposits to total assets | 90.2923% | 614 |
| Equity capital to assets | 9.5064% | 4,744 |
| Core capital (leverage) ratio | 9.5144% | 4,253 |
| Tier 1 risk-based capital ratio | 15.6653% | 3,072 |
| Total risk-based capital ratio | 16.7184% | 3,102 |
| Memoranda: | ||
| Average total assets | $116,387,500 | 4,251 |
| Average earning assets | $99,294,000 | 4,417 |
| Average equity | $11,005,000 | 4,597 |
| Average total loans | $62,362,000 | 4,419 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 3,825 |
| Cost of funding earning assets | 0.2724% | 5,068 |
| Net interest margin | 3.7004% | 3,006 |
| Noninterest income to average assets | 1.4896% | 550 |
| Noninterest expense to average assets | 4.3096% | 538 |
| Loan and lease loss provision to assets | -0.0770% | 6,101 |
| Net operating income to assets | 0.3358% | 5,426 |
| Return on assets (ROA) | 0.3376% | 5,483 |
| Pretax return on assets | 0.4802% | 5,300 |
| Return on Equity (ROE) | 3.5944% | 5,267 |
| Retained earnings to average equity (ytd only) | 3.5944% | 3,659 |
| Net charge-offs to loans | -0.0809% | 6,064 |
| Credit loss provision to net charge-offs | 176.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4949% | 738 |
| Assets per employee ($millions) | 3.0651% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 3,824 |
| Loan loss allowance to noncurrent loans | 97.8036% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.4243% | 1,940 |
| Noncurrent loans to loans | 1.2581% | 2,347 |
| Net loans and leases to total assets | 52.1683% | 4,769 |
| Net loans and leases to deposits | 57.7041% | 5,082 |
| Net loans and leases to core deposits | 59.0959% | 5,194 |
| Total domestic deposits to total assets | 90.4065% | 576 |
| Equity capital to assets | 9.4046% | 4,835 |
| Core capital (leverage) ratio | 9.1548% | 4,744 |
| Tier 1 risk-based capital ratio | 15.6434% | 3,160 |
| Total risk-based capital ratio | 16.7372% | 3,167 |
| Memoranda: | ||
| Average total assets | $114,325,600 | 4,293 |
| Average earning assets | $99,504,000 | 4,401 |
| Average equity | $10,738,800 | 4,612 |
| Average total loans | $61,832,800 | 4,436 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 3,742 |
| Cost of funding earning assets | 0.2734% | 5,171 |
| Net interest margin | 3.7301% | 2,901 |
| Noninterest income to average assets | 1.5197% | 542 |
| Noninterest expense to average assets | 4.3471% | 533 |
| Loan and lease loss provision to assets | -0.1031% | 6,280 |
| Net operating income to assets | 0.3574% | 5,407 |
| Return on assets (ROA) | 0.3597% | 5,476 |
| Pretax return on assets | 0.5402% | 5,207 |
| Return on Equity (ROE) | 3.8308% | 5,239 |
| Retained earnings to average equity (ytd only) | 3.8308% | 3,927 |
| Net charge-offs to loans | -0.0948% | 6,126 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9314% | 775 |
| Assets per employee ($millions) | 3.1183% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 4,186 |
| Loan loss allowance to noncurrent loans | 120.1278% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.4018% | 2,202 |
| Noncurrent loans to loans | 1.0043% | 3,055 |
| Net loans and leases to total assets | 51.9697% | 4,811 |
| Net loans and leases to deposits | 57.4069% | 5,147 |
| Net loans and leases to core deposits | 58.7633% | 5,287 |
| Total domestic deposits to total assets | 90.5286% | 514 |
| Equity capital to assets | 9.1794% | 5,168 |
| Core capital (leverage) ratio | 9.2162% | 4,757 |
| Tier 1 risk-based capital ratio | 15.6043% | 3,260 |
| Total risk-based capital ratio | 16.6962% | 3,287 |
| Memoranda: | ||
| Average total assets | $113,788,250 | 4,338 |
| Average earning assets | $99,475,250 | 4,448 |
| Average equity | $10,685,000 | 4,650 |
| Average total loans | $61,911,000 | 4,467 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 3,486 |
| Cost of funding earning assets | 0.2789% | 5,204 |
| Net interest margin | 3.7857% | 2,614 |
| Noninterest income to average assets | 1.5897% | 497 |
| Noninterest expense to average assets | 4.4235% | 486 |
| Loan and lease loss provision to assets | -0.1568% | 6,433 |
| Net operating income to assets | 0.4064% | 5,196 |
| Return on assets (ROA) | 0.4099% | 5,260 |
| Pretax return on assets | 0.6184% | 4,898 |
| Return on Equity (ROE) | 4.3310% | 5,008 |
| Retained earnings to average equity (ytd only) | 4.3310% | 3,415 |
| Net charge-offs to loans | -0.1554% | 6,276 |
| Credit loss provision to net charge-offs | 183.3333% | 1,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6501% | 863 |
| Assets per employee ($millions) | 2.9202% | 5,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 4,396 |
| Loan loss allowance to noncurrent loans | 108.9466% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.6586% | 1,963 |
| Noncurrent loans to loans | 1.1070% | 3,008 |
| Net loans and leases to total assets | 54.3055% | 4,501 |
| Net loans and leases to deposits | 60.1301% | 4,852 |
| Net loans and leases to core deposits | 61.7770% | 4,989 |
| Total domestic deposits to total assets | 90.3134% | 654 |
| Equity capital to assets | 9.4478% | 4,794 |
| Core capital (leverage) ratio | 9.2367% | 4,685 |
| Tier 1 risk-based capital ratio | 15.1294% | 3,568 |
| Total risk-based capital ratio | 16.2041% | 3,605 |
| Memoranda: | ||
| Average total assets | $112,219,670 | 4,406 |
| Average earning assets | $97,525,330 | 4,540 |
| Average equity | $10,621,000 | 4,676 |
| Average total loans | $61,770,330 | 4,487 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1118% | 3,231 |
| Cost of funding earning assets | 0.2827% | 5,247 |
| Net interest margin | 3.8291% | 2,351 |
| Noninterest income to average assets | 1.6376% | 459 |
| Noninterest expense to average assets | 4.4818% | 464 |
| Loan and lease loss provision to assets | -0.1149% | 6,510 |
| Net operating income to assets | 0.3984% | 5,122 |
| Return on assets (ROA) | 0.4058% | 5,156 |
| Pretax return on assets | 0.5889% | 4,861 |
| Return on Equity (ROE) | 4.2838% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.2838% | 3,555 |
| Net charge-offs to loans | -0.2412% | 6,433 |
| Credit loss provision to net charge-offs | 86.4865% | 1,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6318% | 978 |
| Assets per employee ($millions) | 2.8776% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 4,198 |
| Loan loss allowance to noncurrent loans | 185.6148% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 1.4865% | 2,374 |
| Noncurrent loans to loans | 0.6927% | 4,140 |
| Net loans and leases to total assets | 53.3608% | 4,503 |
| Net loans and leases to deposits | 58.9255% | 4,850 |
| Net loans and leases to core deposits | 60.3676% | 5,003 |
| Total domestic deposits to total assets | 90.5564% | 770 |
| Equity capital to assets | 9.2185% | 4,855 |
| Core capital (leverage) ratio | 9.5997% | 4,134 |
| Tier 1 risk-based capital ratio | 15.2880% | 3,555 |
| Total risk-based capital ratio | 16.4514% | 3,568 |
| Memoranda: | ||
| Average total assets | $111,385,000 | 4,457 |
| Average earning assets | $96,211,500 | 4,618 |
| Average equity | $10,551,500 | 4,716 |
| Average total loans | $61,354,000 | 4,537 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5014% | 2,199 |
| Cost of funding earning assets | 0.3377% | 5,267 |
| Net interest margin | 4.1636% | 1,465 |
| Noninterest income to average assets | 1.5005% | 627 |
| Noninterest expense to average assets | 4.7036% | 444 |
| Loan and lease loss provision to assets | -0.0506% | 6,383 |
| Net operating income to assets | 0.3356% | 5,392 |
| Return on assets (ROA) | 0.3356% | 5,496 |
| Pretax return on assets | 0.4744% | 5,279 |
| Return on Equity (ROE) | 3.5279% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.5279% | 3,713 |
| Net charge-offs to loans | 0.1781% | 3,046 |
| Credit loss provision to net charge-offs | -50.4587% | 5,802 |
| Earnings coverage of net charge-offs (x) | 4.2294% | 3,627 |
| Efficiency ratio | 91.7339% | 892 |
| Assets per employee ($millions) | 2.6916% | 6,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 4,068 |
| Loan loss allowance to noncurrent loans | 68.0651% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 2.6722% | 1,256 |
| Noncurrent loans to loans | 1.9310% | 2,072 |
| Net loans and leases to total assets | 55.4423% | 4,393 |
| Net loans and leases to deposits | 61.5616% | 4,770 |
| Net loans and leases to core deposits | 63.1835% | 4,952 |
| Total domestic deposits to total assets | 90.0599% | 1,043 |
| Equity capital to assets | 9.7450% | 4,111 |
| Core capital (leverage) ratio | 9.4087% | 4,402 |
| Tier 1 risk-based capital ratio | 15.0468% | 3,639 |
| Total risk-based capital ratio | 16.1968% | 3,647 |
| Memoranda: | ||
| Average total assets | $108,767,000 | 4,525 |
| Average earning assets | $94,749,200 | 4,660 |
| Average equity | $10,346,200 | 4,776 |
| Average total loans | $61,184,400 | 4,574 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 2,836 |
| Cost of funding earning assets | 0.3464% | 5,332 |
| Net interest margin | 3.9922% | 1,972 |
| Noninterest income to average assets | 1.5932% | 575 |
| Noninterest expense to average assets | 4.7124% | 435 |
| Loan and lease loss provision to assets | -0.0672% | 6,573 |
| Net operating income to assets | 0.3155% | 5,563 |
| Return on assets (ROA) | 0.3155% | 5,679 |
| Pretax return on assets | 0.4426% | 5,516 |
| Return on Equity (ROE) | 3.3366% | 5,487 |
| Retained earnings to average equity (ytd only) | 3.3366% | 4,306 |
| Net charge-offs to loans | 0.2173% | 2,523 |
| Credit loss provision to net charge-offs | -55.0000% | 5,722 |
| Earnings coverage of net charge-offs (x) | 3.0700% | 3,814 |
| Efficiency ratio | 92.6220% | 815 |
| Assets per employee ($millions) | 2.7328% | 6,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 4,354 |
| Loan loss allowance to noncurrent loans | 51.6046% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 3.1817% | 1,130 |
| Noncurrent loans to loans | 2.5316% | 1,703 |
| Net loans and leases to total assets | 55.5639% | 4,381 |
| Net loans and leases to deposits | 61.6198% | 4,805 |
| Net loans and leases to core deposits | 63.2128% | 4,987 |
| Total domestic deposits to total assets | 90.1722% | 908 |
| Equity capital to assets | 9.4884% | 4,572 |
| Core capital (leverage) ratio | 9.3782% | 4,566 |
| Tier 1 risk-based capital ratio | 14.7490% | 3,915 |
| Total risk-based capital ratio | 15.9008% | 3,929 |
| Memoranda: | ||
| Average total assets | $109,042,500 | 4,552 |
| Average earning assets | $95,449,250 | 4,683 |
| Average equity | $10,309,750 | 4,829 |
| Average total loans | $61,358,750 | 4,607 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3486% | 2,766 |
| Cost of funding earning assets | 0.3606% | 5,311 |
| Net interest margin | 3.9880% | 1,906 |
| Noninterest income to average assets | 1.7420% | 551 |
| Noninterest expense to average assets | 4.8259% | 405 |
| Loan and lease loss provision to assets | -0.1010% | 6,715 |
| Net operating income to assets | 0.3598% | 5,362 |
| Return on assets (ROA) | 0.3598% | 5,543 |
| Pretax return on assets | 0.5085% | 5,341 |
| Return on Equity (ROE) | 3.8099% | 5,287 |
| Retained earnings to average equity (ytd only) | 3.8099% | 3,875 |
| Net charge-offs to loans | 0.3622% | 1,753 |
| Credit loss provision to net charge-offs | -49.5495% | 5,538 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,852 |
| Efficiency ratio | 92.2133% | 884 |
| Assets per employee ($millions) | 2.3569% | 6,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 4,553 |
| Loan loss allowance to noncurrent loans | 83.7381% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 2.8934% | 1,415 |
| Noncurrent loans to loans | 1.5425% | 2,988 |
| Net loans and leases to total assets | 55.8933% | 4,312 |
| Net loans and leases to deposits | 62.1388% | 4,721 |
| Net loans and leases to core deposits | 63.9351% | 4,901 |
| Total domestic deposits to total assets | 89.9492% | 1,056 |
| Equity capital to assets | 9.5629% | 4,497 |
| Core capital (leverage) ratio | 9.3333% | 4,486 |
| Tier 1 risk-based capital ratio | 14.7198% | 3,961 |
| Total risk-based capital ratio | 15.8603% | 3,985 |
| Memoranda: | ||
| Average total assets | $108,952,670 | 4,585 |
| Average earning assets | $95,386,670 | 4,708 |
| Average equity | $10,289,000 | 4,876 |
| Average total loans | $61,297,670 | 4,629 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5942% | 1,839 |
| Cost of funding earning assets | 0.3797% | 5,290 |
| Net interest margin | 4.2145% | 1,152 |
| Noninterest income to average assets | 1.3844% | 806 |
| Noninterest expense to average assets | 4.7134% | 450 |
| Loan and lease loss provision to assets | -0.2014% | 6,895 |
| Net operating income to assets | 0.3699% | 5,264 |
| Return on assets (ROA) | 0.3699% | 5,393 |
| Pretax return on assets | 0.5310% | 5,176 |
| Return on Equity (ROE) | 3.9417% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.9417% | 3,874 |
| Net charge-offs to loans | 0.7641% | 797 |
| Credit loss provision to net charge-offs | -47.0085% | 5,050 |
| Earnings coverage of net charge-offs (x) | 0.7692% | 3,574 |
| Efficiency ratio | 93.4641% | 877 |
| Assets per employee ($millions) | 2.3470% | 6,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 4,720 |
| Loan loss allowance to noncurrent loans | 99.6207% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 2.6315% | 1,727 |
| Noncurrent loans to loans | 1.3001% | 3,611 |
| Net loans and leases to total assets | 55.6252% | 4,145 |
| Net loans and leases to deposits | 61.7302% | 4,587 |
| Net loans and leases to core deposits | 63.5152% | 4,788 |
| Total domestic deposits to total assets | 90.1102% | 977 |
| Equity capital to assets | 9.5508% | 4,779 |
| Core capital (leverage) ratio | 9.2132% | 4,551 |
| Tier 1 risk-based capital ratio | 15.4421% | 3,563 |
| Total risk-based capital ratio | 16.6416% | 3,554 |
| Memoranda: | ||
| Average total assets | $109,219,500 | 4,626 |
| Average earning assets | $94,814,500 | 4,770 |
| Average equity | $10,249,500 | 4,937 |
| Average total loans | $61,250,500 | 4,660 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 2,158 |
| Cost of funding earning assets | 0.4588% | 5,509 |
| Net interest margin | 4.3496% | 1,288 |
| Noninterest income to average assets | 1.9514% | 452 |
| Noninterest expense to average assets | 4.8942% | 411 |
| Loan and lease loss provision to assets | 0.1970% | 3,173 |
| Net operating income to assets | 0.4509% | 4,885 |
| Return on assets (ROA) | 0.4599% | 5,090 |
| Pretax return on assets | 0.6596% | 4,796 |
| Return on Equity (ROE) | 5.0680% | 4,650 |
| Retained earnings to average equity (ytd only) | 5.0680% | 2,662 |
| Net charge-offs to loans | 0.8420% | 1,372 |
| Credit loss provision to net charge-offs | 38.6691% | 4,959 |
| Earnings coverage of net charge-offs (x) | 1.6565% | 4,611 |
| Efficiency ratio | 85.2946% | 1,488 |
| Assets per employee ($millions) | 2.4017% | 6,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 3,499 |
| Loan loss allowance to noncurrent loans | 95.6132% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 2.7806% | 1,728 |
| Noncurrent loans to loans | 1.6267% | 3,188 |
| Net loans and leases to total assets | 54.9435% | 4,461 |
| Net loans and leases to deposits | 60.8226% | 4,934 |
| Net loans and leases to core deposits | 62.3758% | 5,116 |
| Total domestic deposits to total assets | 90.3339% | 782 |
| Equity capital to assets | 9.2217% | 5,243 |
| Core capital (leverage) ratio | 9.1192% | 4,710 |
| Tier 1 risk-based capital ratio | 14.5607% | 3,985 |
| Total risk-based capital ratio | 15.7766% | 3,969 |
| Memoranda: | ||
| Average total assets | $109,150,200 | 4,612 |
| Average earning assets | $95,021,000 | 4,728 |
| Average equity | $9,905,200 | 4,996 |
| Average total loans | $66,031,400 | 4,500 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 2,477 |
| Cost of funding earning assets | 0.4722% | 5,620 |
| Net interest margin | 4.3035% | 1,448 |
| Noninterest income to average assets | 1.9518% | 434 |
| Noninterest expense to average assets | 4.8986% | 389 |
| Loan and lease loss provision to assets | 0.2083% | 2,994 |
| Net operating income to assets | 0.4288% | 5,121 |
| Return on assets (ROA) | 0.4288% | 5,361 |
| Pretax return on assets | 0.6077% | 5,140 |
| Return on Equity (ROE) | 4.7451% | 4,948 |
| Retained earnings to average equity (ytd only) | 4.7451% | 3,564 |
| Net charge-offs to loans | 1.0686% | 974 |
| Credit loss provision to net charge-offs | 31.5985% | 4,775 |
| Earnings coverage of net charge-offs (x) | 1.2379% | 4,671 |
| Efficiency ratio | 85.7204% | 1,406 |
| Assets per employee ($millions) | 2.3355% | 6,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 4,191 |
| Loan loss allowance to noncurrent loans | 59.1371% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 3.9885% | 1,209 |
| Noncurrent loans to loans | 2.4371% | 2,358 |
| Net loans and leases to total assets | 59.3257% | 3,903 |
| Net loans and leases to deposits | 65.7927% | 4,495 |
| Net loans and leases to core deposits | 67.6208% | 4,766 |
| Total domestic deposits to total assets | 90.1707% | 751 |
| Equity capital to assets | 9.3630% | 5,392 |
| Core capital (leverage) ratio | 9.1845% | 4,789 |
| Tier 1 risk-based capital ratio | 14.3449% | 4,306 |
| Total risk-based capital ratio | 15.5348% | 4,299 |
| Memoranda: | ||
| Average total assets | $108,818,000 | 4,667 |
| Average earning assets | $95,145,000 | 4,765 |
| Average equity | $9,834,500 | 5,067 |
| Average total loans | $67,124,250 | 4,499 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6900% | 2,955 |
| Cost of funding earning assets | 0.4840% | 5,733 |
| Net interest margin | 4.2061% | 1,733 |
| Noninterest income to average assets | 1.8247% | 462 |
| Noninterest expense to average assets | 4.8079% | 424 |
| Loan and lease loss provision to assets | 0.2288% | 2,787 |
| Net operating income to assets | 0.3551% | 5,407 |
| Return on assets (ROA) | 0.3551% | 5,628 |
| Pretax return on assets | 0.4941% | 5,451 |
| Return on Equity (ROE) | 3.9755% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.9755% | 3,966 |
| Net charge-offs to loans | 1.4748% | 680 |
| Credit loss provision to net charge-offs | 24.9501% | 4,528 |
| Earnings coverage of net charge-offs (x) | 0.7884% | 4,661 |
| Efficiency ratio | 86.9292% | 1,347 |
| Assets per employee ($millions) | 2.2702% | 6,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 4,554 |
| Loan loss allowance to noncurrent loans | 23.2863% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 5.2408% | 885 |
| Noncurrent loans to loans | 5.9022% | 761 |
| Net loans and leases to total assets | 62.1409% | 3,402 |
| Net loans and leases to deposits | 68.7547% | 4,082 |
| Net loans and leases to core deposits | 70.7155% | 4,449 |
| Total domestic deposits to total assets | 90.3806% | 725 |
| Equity capital to assets | 9.2586% | 5,382 |
| Core capital (leverage) ratio | 9.0743% | 4,799 |
| Tier 1 risk-based capital ratio | 13.1834% | 5,050 |
| Total risk-based capital ratio | 14.3903% | 5,056 |
| Memoranda: | ||
| Average total assets | $109,279,330 | 4,686 |
| Average earning assets | $96,289,670 | 4,755 |
| Average equity | $9,759,670 | 5,085 |
| Average total loans | $67,943,000 | 4,490 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2473% | 1,210 |
| Cost of funding earning assets | 0.5104% | 5,745 |
| Net interest margin | 4.7368% | 642 |
| Noninterest income to average assets | 1.1830% | 1,020 |
| Noninterest expense to average assets | 4.6596% | 477 |
| Loan and lease loss provision to assets | 0.1628% | 3,356 |
| Net operating income to assets | 0.4052% | 5,231 |
| Return on assets (ROA) | 0.4052% | 5,416 |
| Pretax return on assets | 0.5571% | 5,249 |
| Return on Equity (ROE) | 4.6186% | 4,977 |
| Retained earnings to average equity (ytd only) | 4.6186% | 3,803 |
| Net charge-offs to loans | 2.0264% | 459 |
| Credit loss provision to net charge-offs | 13.0058% | 3,864 |
| Earnings coverage of net charge-offs (x) | 0.5751% | 4,048 |
| Efficiency ratio | 86.6174% | 1,420 |
| Assets per employee ($millions) | 2.3999% | 6,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 4,199 |
| Loan loss allowance to noncurrent loans | 22.9919% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 5.5129% | 889 |
| Noncurrent loans to loans | 6.4858% | 736 |
| Net loans and leases to total assets | 59.7784% | 3,718 |
| Net loans and leases to deposits | 65.7845% | 4,411 |
| Net loans and leases to core deposits | 67.5431% | 4,729 |
| Total domestic deposits to total assets | 90.8701% | 611 |
| Equity capital to assets | 8.8391% | 5,705 |
| Core capital (leverage) ratio | 8.6806% | 5,334 |
| Tier 1 risk-based capital ratio | 13.6615% | 4,707 |
| Total risk-based capital ratio | 14.9140% | 4,689 |
| Memoranda: | ||
| Average total assets | $110,568,500 | 4,693 |
| Average earning assets | $97,955,500 | 4,752 |
| Average equity | $9,700,000 | 5,120 |
| Average total loans | $68,300,000 | 4,511 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4720% | 1,234 |
| Cost of funding earning assets | 0.7020% | 5,528 |
| Net interest margin | 4.7700% | 662 |
| Noninterest income to average assets | 1.1266% | 1,038 |
| Noninterest expense to average assets | 4.6269% | 515 |
| Loan and lease loss provision to assets | 0.6046% | 1,710 |
| Net operating income to assets | 0.1446% | 5,753 |
| Return on assets (ROA) | 0.1446% | 5,890 |
| Pretax return on assets | 0.1743% | 5,847 |
| Return on Equity (ROE) | 1.6785% | 5,781 |
| Retained earnings to average equity (ytd only) | 1.6785% | 5,011 |
| Net charge-offs to loans | 1.1814% | 1,428 |
| Credit loss provision to net charge-offs | 76.0452% | 4,635 |
| Earnings coverage of net charge-offs (x) | 0.9797% | 5,060 |
| Efficiency ratio | 85.5908% | 1,605 |
| Assets per employee ($millions) | 2.4074% | 6,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 2,662 |
| Loan loss allowance to noncurrent loans | 25.8295% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 5.2212% | 1,003 |
| Noncurrent loans to loans | 7.2305% | 604 |
| Net loans and leases to total assets | 61.6827% | 3,664 |
| Net loans and leases to deposits | 67.8109% | 4,466 |
| Net loans and leases to core deposits | 69.6516% | 4,828 |
| Total domestic deposits to total assets | 90.9627% | 523 |
| Equity capital to assets | 8.7068% | 5,888 |
| Core capital (leverage) ratio | 8.4484% | 5,642 |
| Tier 1 risk-based capital ratio | 14.0270% | 4,309 |
| Total risk-based capital ratio | 15.2849% | 4,256 |
| Memoranda: | ||
| Average total assets | $111,305,000 | 4,611 |
| Average earning assets | $99,853,000 | 4,646 |
| Average equity | $9,592,000 | 5,126 |
| Average total loans | $74,909,200 | 4,320 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3820% | 1,563 |
| Cost of funding earning assets | 0.7398% | 5,525 |
| Net interest margin | 4.6422% | 866 |
| Noninterest income to average assets | 1.1940% | 925 |
| Noninterest expense to average assets | 4.5761% | 539 |
| Loan and lease loss provision to assets | 0.7513% | 1,266 |
| Net operating income to assets | 0.0610% | 6,046 |
| Return on assets (ROA) | 0.0610% | 6,154 |
| Pretax return on assets | 0.0407% | 6,174 |
| Return on Equity (ROE) | 0.7098% | 6,126 |
| Retained earnings to average equity (ytd only) | 0.7098% | 5,733 |
| Net charge-offs to loans | 0.2956% | 3,613 |
| Credit loss provision to net charge-offs | 371.5976% | 765 |
| Earnings coverage of net charge-offs (x) | 3.9171% | 3,244 |
| Efficiency ratio | 85.2463% | 1,608 |
| Assets per employee ($millions) | 2.4873% | 6,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6587% | 1,183 |
| Loan loss allowance to noncurrent loans | 37.9476% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 5.0585% | 1,134 |
| Noncurrent loans to loans | 7.0061% | 705 |
| Net loans and leases to total assets | 64.4724% | 3,210 |
| Net loans and leases to deposits | 70.7560% | 4,175 |
| Net loans and leases to core deposits | 73.0087% | 4,582 |
| Total domestic deposits to total assets | 91.1194% | 400 |
| Equity capital to assets | 8.5303% | 6,269 |
| Core capital (leverage) ratio | 8.4034% | 5,845 |
| Tier 1 risk-based capital ratio | 12.6271% | 5,390 |
| Total risk-based capital ratio | 13.8937% | 5,358 |
| Memoranda: | ||
| Average total assets | $111,446,000 | 4,637 |
| Average earning assets | $100,207,750 | 4,668 |
| Average equity | $9,579,500 | 5,162 |
| Average total loans | $76,234,500 | 4,307 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4064% | 1,546 |
| Cost of funding earning assets | 0.7777% | 5,523 |
| Net interest margin | 4.6286% | 857 |
| Noninterest income to average assets | 1.1430% | 990 |
| Noninterest expense to average assets | 4.6008% | 534 |
| Loan and lease loss provision to assets | 0.1617% | 4,305 |
| Net operating income to assets | 0.4205% | 4,855 |
| Return on assets (ROA) | 0.4205% | 5,009 |
| Pretax return on assets | 0.5733% | 4,835 |
| Return on Equity (ROE) | 4.8801% | 4,511 |
| Retained earnings to average equity (ytd only) | 4.8801% | 3,072 |
| Net charge-offs to loans | 0.4575% | 2,750 |
| Credit loss provision to net charge-offs | 51.1364% | 4,553 |
| Earnings coverage of net charge-offs (x) | 2.3239% | 3,665 |
| Efficiency ratio | 86.2243% | 1,582 |
| Assets per employee ($millions) | 2.4728% | 6,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 2,684 |
| Loan loss allowance to noncurrent loans | 57.8201% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 2.6385% | 2,528 |
| Noncurrent loans to loans | 3.2773% | 2,177 |
| Net loans and leases to total assets | 66.3926% | 2,946 |
| Net loans and leases to deposits | 73.0665% | 3,942 |
| Net loans and leases to core deposits | 75.8371% | 4,336 |
| Total domestic deposits to total assets | 90.8660% | 558 |
| Equity capital to assets | 8.7566% | 5,868 |
| Core capital (leverage) ratio | 8.6953% | 5,230 |
| Tier 1 risk-based capital ratio | 12.9912% | 4,921 |
| Total risk-based capital ratio | 14.2489% | 4,898 |
| Memoranda: | ||
| Average total assets | $111,284,670 | 4,673 |
| Average earning assets | $100,807,000 | 4,688 |
| Average equity | $9,590,000 | 5,159 |
| Average total loans | $76,934,330 | 4,315 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4508% | 1,425 |
| Cost of funding earning assets | 0.8137% | 5,505 |
| Net interest margin | 4.6372% | 800 |
| Noninterest income to average assets | 1.0711% | 1,143 |
| Noninterest expense to average assets | 4.5503% | 567 |
| Loan and lease loss provision to assets | 0.1617% | 4,011 |
| Net operating income to assets | 0.4457% | 4,742 |
| Return on assets (ROA) | 0.4457% | 4,824 |
| Pretax return on assets | 0.5787% | 4,769 |
| Return on Equity (ROE) | 5.2139% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.2139% | 3,051 |
| Net charge-offs to loans | -0.0360% | 6,772 |
| Credit loss provision to net charge-offs | -642.8571% | 6,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0054% | 1,714 |
| Assets per employee ($millions) | 2.4567% | 7,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0210% | 2,355 |
| Loan loss allowance to noncurrent loans | 60.2930% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 2.6504% | 2,594 |
| Noncurrent loans to loans | 3.3520% | 2,236 |
| Net loans and leases to total assets | 68.5855% | 2,433 |
| Net loans and leases to deposits | 75.3443% | 3,528 |
| Net loans and leases to core deposits | 77.6093% | 4,077 |
| Total domestic deposits to total assets | 91.0295% | 616 |
| Equity capital to assets | 8.6901% | 5,670 |
| Core capital (leverage) ratio | 8.6527% | 5,166 |
| Tier 1 risk-based capital ratio | 12.4377% | 5,324 |
| Total risk-based capital ratio | 13.6972% | 5,289 |
| Memoranda: | ||
| Average total assets | $111,289,000 | 4,708 |
| Average earning assets | $101,269,000 | 4,706 |
| Average equity | $9,513,000 | 5,171 |
| Average total loans | $77,748,500 | 4,336 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1381% | 645 |
| Cost of funding earning assets | 1.1099% | 5,087 |
| Net interest margin | 5.0282% | 405 |
| Noninterest income to average assets | 1.0720% | 1,305 |
| Noninterest expense to average assets | 4.7037% | 543 |
| Loan and lease loss provision to assets | 0.6543% | 2,520 |
| Net operating income to assets | 0.2322% | 5,173 |
| Return on assets (ROA) | 0.2375% | 5,303 |
| Pretax return on assets | 0.2841% | 5,274 |
| Return on Equity (ROE) | 2.9834% | 4,964 |
| Retained earnings to average equity (ytd only) | 2.9834% | 3,761 |
| Net charge-offs to loans | 0.9744% | 2,228 |
| Credit loss provision to net charge-offs | 93.2312% | 4,979 |
| Earnings coverage of net charge-offs (x) | 1.3282% | 4,779 |
| Efficiency ratio | 83.4606% | 1,990 |
| Assets per employee ($millions) | 2.4895% | 7,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9357% | 2,455 |
| Loan loss allowance to noncurrent loans | 60.0238% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 2.9743% | 2,366 |
| Noncurrent loans to loans | 3.2249% | 2,353 |
| Net loans and leases to total assets | 68.3755% | 2,889 |
| Net loans and leases to deposits | 74.8710% | 4,051 |
| Net loans and leases to core deposits | 76.8796% | 4,599 |
| Total domestic deposits to total assets | 91.3244% | 449 |
| Equity capital to assets | 8.4078% | 5,988 |
| Core capital (leverage) ratio | 8.1639% | 5,886 |
| Tier 1 risk-based capital ratio | 11.8881% | 5,580 |
| Total risk-based capital ratio | 13.1460% | 5,556 |
| Memoranda: | ||
| Average total assets | $111,570,600 | 4,671 |
| Average earning assets | $101,269,400 | 4,692 |
| Average equity | $8,882,400 | 5,454 |
| Average total loans | $80,359,400 | 4,336 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2397% | 572 |
| Cost of funding earning assets | 1.1562% | 5,108 |
| Net interest margin | 5.0835% | 372 |
| Noninterest income to average assets | 1.0814% | 1,225 |
| Noninterest expense to average assets | 4.7515% | 465 |
| Loan and lease loss provision to assets | 0.4606% | 3,171 |
| Net operating income to assets | 0.3702% | 4,884 |
| Return on assets (ROA) | 0.3768% | 5,041 |
| Pretax return on assets | 0.4797% | 4,992 |
| Return on Equity (ROE) | 4.8008% | 4,408 |
| Retained earnings to average equity (ytd only) | 4.8008% | 3,129 |
| Net charge-offs to loans | 0.4482% | 3,514 |
| Credit loss provision to net charge-offs | 141.5441% | 2,794 |
| Earnings coverage of net charge-offs (x) | 2.8639% | 3,700 |
| Efficiency ratio | 83.6035% | 1,879 |
| Assets per employee ($millions) | 2.5000% | 7,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0860% | 2,035 |
| Loan loss allowance to noncurrent loans | 60.7751% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 2.9689% | 2,446 |
| Noncurrent loans to loans | 3.4324% | 2,318 |
| Net loans and leases to total assets | 70.0119% | 2,729 |
| Net loans and leases to deposits | 76.5356% | 4,081 |
| Net loans and leases to core deposits | 78.7565% | 4,705 |
| Total domestic deposits to total assets | 91.4763% | 318 |
| Equity capital to assets | 7.9521% | 6,839 |
| Core capital (leverage) ratio | 7.8404% | 6,531 |
| Tier 1 risk-based capital ratio | 10.8615% | 6,498 |
| Total risk-based capital ratio | 12.1217% | 6,465 |
| Memoranda: | ||
| Average total assets | $111,456,500 | 4,729 |
| Average earning assets | $100,899,250 | 4,761 |
| Average equity | $8,748,250 | 5,565 |
| Average total loans | $80,921,500 | 4,385 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1896% | 636 |
| Cost of funding earning assets | 1.1842% | 5,212 |
| Net interest margin | 5.0054% | 413 |
| Noninterest income to average assets | 1.0278% | 1,288 |
| Noninterest expense to average assets | 4.8853% | 412 |
| Loan and lease loss provision to assets | 0.6120% | 2,349 |
| Net operating income to assets | 0.1134% | 5,822 |
| Return on assets (ROA) | 0.1224% | 5,907 |
| Pretax return on assets | 0.0666% | 6,041 |
| Return on Equity (ROE) | 1.5664% | 5,771 |
| Retained earnings to average equity (ytd only) | 1.5664% | 5,073 |
| Net charge-offs to loans | 0.6611% | 2,561 |
| Credit loss provision to net charge-offs | 126.8657% | 3,175 |
| Earnings coverage of net charge-offs (x) | 1.3881% | 4,446 |
| Efficiency ratio | 87.9456% | 1,508 |
| Assets per employee ($millions) | 2.4790% | 7,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0128% | 2,142 |
| Loan loss allowance to noncurrent loans | 66.0081% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 2.7655% | 2,616 |
| Noncurrent loans to loans | 3.0494% | 2,641 |
| Net loans and leases to total assets | 71.4372% | 2,557 |
| Net loans and leases to deposits | 77.7822% | 4,022 |
| Net loans and leases to core deposits | 82.8871% | 4,300 |
| Total domestic deposits to total assets | 91.8425% | 251 |
| Equity capital to assets | 7.7559% | 6,961 |
| Core capital (leverage) ratio | 7.5445% | 6,791 |
| Tier 1 risk-based capital ratio | 10.6504% | 6,568 |
| Total risk-based capital ratio | 11.9100% | 6,556 |
| Memoranda: | ||
| Average total assets | $111,109,330 | 4,771 |
| Average earning assets | $100,491,330 | 4,793 |
| Average equity | $8,682,330 | 5,589 |
| Average total loans | $81,082,000 | 4,415 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2309% | 602 |
| Cost of funding earning assets | 1.2104% | 5,344 |
| Net interest margin | 5.0206% | 404 |
| Noninterest income to average assets | 1.0858% | 1,078 |
| Noninterest expense to average assets | 4.7472% | 462 |
| Loan and lease loss provision to assets | 0.1623% | 4,902 |
| Net operating income to assets | 0.6205% | 3,802 |
| Return on assets (ROA) | 0.6205% | 3,936 |
| Pretax return on assets | 0.7251% | 4,149 |
| Return on Equity (ROE) | 7.9103% | 2,932 |
| Retained earnings to average equity (ytd only) | 7.9103% | 1,744 |
| Net charge-offs to loans | 1.1710% | 1,443 |
| Credit loss provision to net charge-offs | 18.9873% | 4,960 |
| Earnings coverage of net charge-offs (x) | 1.0380% | 4,146 |
| Efficiency ratio | 84.2510% | 1,999 |
| Assets per employee ($millions) | 2.4845% | 7,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6780% | 3,143 |
| Loan loss allowance to noncurrent loans | 109.1342% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 1.8987% | 3,636 |
| Noncurrent loans to loans | 1.5375% | 4,443 |
| Net loans and leases to total assets | 70.4442% | 2,814 |
| Net loans and leases to deposits | 76.7317% | 4,277 |
| Net loans and leases to core deposits | 78.6753% | 4,940 |
| Total domestic deposits to total assets | 91.8059% | 285 |
| Equity capital to assets | 7.6762% | 6,947 |
| Core capital (leverage) ratio | 7.7880% | 6,520 |
| Tier 1 risk-based capital ratio | 10.5198% | 6,613 |
| Total risk-based capital ratio | 11.7754% | 6,599 |
| Memoranda: | ||
| Average total assets | $110,887,000 | 4,853 |
| Average earning assets | $100,466,500 | 4,865 |
| Average equity | $8,697,500 | 5,631 |
| Average total loans | $80,959,000 | 4,474 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4245% | 787 |
| Cost of funding earning assets | 1.5808% | 5,121 |
| Net interest margin | 4.8437% | 633 |
| Noninterest income to average assets | 1.2053% | 1,062 |
| Noninterest expense to average assets | 4.5280% | 777 |
| Loan and lease loss provision to assets | 0.7667% | 2,812 |
| Net operating income to assets | 0.3423% | 4,368 |
| Return on assets (ROA) | 0.3423% | 4,456 |
| Pretax return on assets | 0.3825% | 4,544 |
| Return on Equity (ROE) | 4.5088% | 3,878 |
| Retained earnings to average equity (ytd only) | 4.5088% | 2,099 |
| Net charge-offs to loans | 0.2072% | 5,336 |
| Credit loss provision to net charge-offs | 518.0723% | 593 |
| Earnings coverage of net charge-offs (x) | 7.7651% | 2,076 |
| Efficiency ratio | 79.7582% | 2,924 |
| Assets per employee ($millions) | 2.3366% | 7,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9554% | 2,127 |
| Loan loss allowance to noncurrent loans | 77.8607% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 2.7743% | 2,518 |
| Noncurrent loans to loans | 2.5114% | 3,032 |
| Net loans and leases to total assets | 73.0046% | 2,510 |
| Net loans and leases to deposits | 79.9106% | 4,015 |
| Net loans and leases to core deposits | 101.1576% | 3,883 |
| Total domestic deposits to total assets | 91.3579% | 419 |
| Equity capital to assets | 8.0216% | 6,562 |
| Core capital (leverage) ratio | 7.2675% | 7,015 |
| Tier 1 risk-based capital ratio | 10.4170% | 6,481 |
| Total risk-based capital ratio | 11.6754% | 6,448 |
| Memoranda: | ||
| Average total assets | $112,167,800 | 4,773 |
| Average earning assets | $103,557,200 | 4,738 |
| Average equity | $8,516,600 | 5,762 |
| Average total loans | $80,125,200 | 4,503 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4329% | 869 |
| Cost of funding earning assets | 1.6283% | 5,267 |
| Net interest margin | 4.8047% | 675 |
| Noninterest income to average assets | 1.1811% | 1,121 |
| Noninterest expense to average assets | 4.4703% | 770 |
| Loan and lease loss provision to assets | 0.1529% | 5,827 |
| Net operating income to assets | 0.7658% | 2,958 |
| Return on assets (ROA) | 0.7658% | 3,020 |
| Pretax return on assets | 1.0046% | 2,890 |
| Return on Equity (ROE) | 10.2233% | 1,839 |
| Retained earnings to average equity (ytd only) | 10.2233% | 594 |
| Net charge-offs to loans | 0.0366% | 6,391 |
| Credit loss provision to net charge-offs | 590.9091% | 651 |
| Earnings coverage of net charge-offs (x) | 44.7313% | 694 |
| Efficiency ratio | 79.4314% | 2,932 |
| Assets per employee ($millions) | 2.5234% | 7,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 5,116 |
| Loan loss allowance to noncurrent loans | 66.4179% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.6609% | 3,879 |
| Noncurrent loans to loans | 1.8055% | 3,904 |
| Net loans and leases to total assets | 71.0359% | 3,264 |
| Net loans and leases to deposits | 78.1412% | 4,722 |
| Net loans and leases to core deposits | 97.0067% | 4,704 |
| Total domestic deposits to total assets | 90.9072% | 446 |
| Equity capital to assets | 7.8379% | 7,002 |
| Core capital (leverage) ratio | 7.8265% | 6,582 |
| Tier 1 risk-based capital ratio | 10.6635% | 6,282 |
| Total risk-based capital ratio | 11.8525% | 6,319 |
| Memoranda: | ||
| Average total assets | $113,338,500 | 4,772 |
| Average earning assets | $104,895,000 | 4,740 |
| Average equity | $8,490,250 | 5,823 |
| Average total loans | $80,148,000 | 4,545 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5131% | 800 |
| Cost of funding earning assets | 1.6959% | 5,287 |
| Net interest margin | 4.8172% | 636 |
| Noninterest income to average assets | 1.1901% | 1,105 |
| Noninterest expense to average assets | 4.4232% | 841 |
| Loan and lease loss provision to assets | 0.1766% | 5,284 |
| Net operating income to assets | 0.8193% | 2,779 |
| Return on assets (ROA) | 0.8193% | 2,874 |
| Pretax return on assets | 1.0541% | 2,798 |
| Return on Equity (ROE) | 11.1089% | 1,675 |
| Retained earnings to average equity (ytd only) | 11.1089% | 546 |
| Net charge-offs to loans | 0.0703% | 5,523 |
| Credit loss provision to net charge-offs | 357.1429% | 1,302 |
| Earnings coverage of net charge-offs (x) | 24.8929% | 1,139 |
| Efficiency ratio | 78.2324% | 3,310 |
| Assets per employee ($millions) | 2.4435% | 7,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 5,196 |
| Loan loss allowance to noncurrent loans | 86.6728% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.3345% | 4,281 |
| Noncurrent loans to loans | 1.3375% | 4,541 |
| Net loans and leases to total assets | 71.5292% | 3,337 |
| Net loans and leases to deposits | 78.3315% | 4,812 |
| Net loans and leases to core deposits | 97.3401% | 4,752 |
| Total domestic deposits to total assets | 91.3161% | 367 |
| Equity capital to assets | 7.6617% | 7,123 |
| Core capital (leverage) ratio | 7.5586% | 6,952 |
| Tier 1 risk-based capital ratio | 10.5467% | 6,331 |
| Total risk-based capital ratio | 11.7035% | 6,371 |
| Memoranda: | ||
| Average total assets | $113,267,670 | 4,794 |
| Average earning assets | $104,957,670 | 4,758 |
| Average equity | $8,353,670 | 5,898 |
| Average total loans | $79,650,330 | 4,593 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3885% | 1,090 |
| Cost of funding earning assets | 1.7696% | 5,262 |
| Net interest margin | 4.6189% | 910 |
| Noninterest income to average assets | 1.0554% | 1,331 |
| Noninterest expense to average assets | 4.3201% | 840 |
| Loan and lease loss provision to assets | 0.3518% | 3,203 |
| Net operating income to assets | 0.6755% | 3,683 |
| Return on assets (ROA) | 0.6755% | 3,864 |
| Pretax return on assets | 0.7177% | 4,369 |
| Return on Equity (ROE) | 9.3380% | 2,596 |
| Retained earnings to average equity (ytd only) | 9.3380% | 1,389 |
| Net charge-offs to loans | 0.1472% | 3,788 |
| Credit loss provision to net charge-offs | 344.8276% | 1,458 |
| Earnings coverage of net charge-offs (x) | 10.4828% | 1,949 |
| Efficiency ratio | 80.1567% | 2,792 |
| Assets per employee ($millions) | 2.6424% | 6,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 4,962 |
| Loan loss allowance to noncurrent loans | 169.4245% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 5,307 |
| Noncurrent loans to loans | 0.6936% | 5,672 |
| Net loans and leases to total assets | 68.1351% | 4,100 |
| Net loans and leases to deposits | 74.3064% | 5,445 |
| Net loans and leases to core deposits | 94.6610% | 5,096 |
| Total domestic deposits to total assets | 91.6949% | 230 |
| Equity capital to assets | 7.1551% | 7,595 |
| Core capital (leverage) ratio | 7.3629% | 7,307 |
| Tier 1 risk-based capital ratio | 10.4853% | 6,410 |
| Total risk-based capital ratio | 11.6706% | 6,387 |
| Memoranda: | ||
| Average total assets | $113,700,000 | 4,806 |
| Average earning assets | $106,692,500 | 4,727 |
| Average equity | $8,224,500 | 5,979 |
| Average total loans | $78,803,500 | 4,650 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8351% | 1,566 |
| Cost of funding earning assets | 2.3900% | 4,763 |
| Net interest margin | 4.4451% | 1,548 |
| Noninterest income to average assets | 0.9297% | 1,856 |
| Noninterest expense to average assets | 4.7234% | 750 |
| Loan and lease loss provision to assets | 0.0098% | 7,245 |
| Net operating income to assets | 0.3055% | 5,523 |
| Return on assets (ROA) | 0.3063% | 5,337 |
| Pretax return on assets | 0.3683% | 5,334 |
| Return on Equity (ROE) | 3.9021% | 4,859 |
| Retained earnings to average equity (ytd only) | 3.9021% | 2,700 |
| Net charge-offs to loans | 0.0526% | 6,034 |
| Credit loss provision to net charge-offs | 28.5714% | 6,537 |
| Earnings coverage of net charge-offs (x) | 10.9429% | 2,440 |
| Efficiency ratio | 92.6047% | 1,353 |
| Assets per employee ($millions) | 2.4160% | 7,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 5,101 |
| Loan loss allowance to noncurrent loans | 253.9359% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 5,432 |
| Noncurrent loans to loans | 0.4429% | 6,030 |
| Net loans and leases to total assets | 68.9042% | 4,278 |
| Net loans and leases to deposits | 75.5225% | 5,650 |
| Net loans and leases to core deposits | 95.8230% | 5,272 |
| Total domestic deposits to total assets | 91.2367% | 265 |
| Equity capital to assets | 7.3155% | 7,542 |
| Core capital (leverage) ratio | 7.3972% | 7,308 |
| Tier 1 risk-based capital ratio | 10.5923% | 6,114 |
| Total risk-based capital ratio | 11.7245% | 6,115 |
| Memoranda: | ||
| Average total assets | $101,536,600 | 5,005 |
| Average earning assets | $95,273,400 | 4,943 |
| Average equity | $7,970,000 | 6,094 |
| Average total loans | $66,478,200 | 5,001 |