Home > Americana Community Bank > Performance and Condition Ratios
Americana Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2949% | 1,499 |
| Cost of funding earning assets | 1.2945% | 2,536 |
| Net interest margin | 4.0004% | 1,205 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.9394% | 1,205 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.8355% | 2,757 |
| Return on assets (ROA) | 0.8355% | 2,738 |
| Pretax return on assets | 1.1134% | 2,371 |
| Return on Equity (ROE) | 9.2300% | 2,698 |
| Retained earnings to average equity (ytd only) | 9.2336% | 1,200 |
| Net charge-offs to loans | -0.0780% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.6321% | 1,697 |
| Assets per employee ($millions) | 5.4845% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,239 |
| Loan loss allowance to noncurrent loans | 2,454.8387% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,384 |
| Noncurrent loans to loans | 0.0493% | 3,376 |
| Net loans and leases to total assets | 73.1000% | 1,463 |
| Net loans and leases to deposits | 87.4224% | 1,488 |
| Net loans and leases to core deposits | 96.4696% | 1,627 |
| Total domestic deposits to total assets | 83.6100% | 2,729 |
| Equity capital to assets | 9.5531% | 2,310 |
| Core capital (leverage) ratio | 10.9123% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8805% | 1,906 |
| Memoranda: | ||
| Average total assets | $165,884,800 | 3,225 |
| Average earning assets | $155,658,600 | 3,205 |
| Average equity | $15,010,400 | 3,264 |
| Average total loans | $119,299,400 | 2,963 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0617% | 1,707 |
| Cost of funding earning assets | 1.1614% | 2,559 |
| Net interest margin | 3.9003% | 1,398 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.8550% | 1,308 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8565% | 2,839 |
| Return on assets (ROA) | 0.8565% | 2,822 |
| Pretax return on assets | 1.1186% | 2,509 |
| Return on Equity (ROE) | 9.6000% | 2,766 |
| Retained earnings to average equity (ytd only) | 9.6036% | 1,517 |
| Net charge-offs to loans | -0.0261% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.9833% | 1,681 |
| Assets per employee ($millions) | 5.2812% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 2,502 |
| Loan loss allowance to noncurrent loans | 444.8598% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 2,287 |
| Noncurrent loans to loans | 0.2638% | 2,292 |
| Net loans and leases to total assets | 73.4500% | 1,414 |
| Net loans and leases to deposits | 84.0348% | 1,735 |
| Net loans and leases to core deposits | 91.8319% | 1,809 |
| Total domestic deposits to total assets | 87.4000% | 1,767 |
| Equity capital to assets | 9.0211% | 2,403 |
| Core capital (leverage) ratio | 10.9311% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0572% | 1,876 |
| Memoranda: | ||
| Average total assets | $164,851,500 | 3,239 |
| Average earning assets | $154,410,500 | 3,221 |
| Average equity | $14,702,500 | 3,290 |
| Average total loans | $117,674,500 | 2,981 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 1,778 |
| Cost of funding earning assets | 0.9561% | 2,747 |
| Net interest margin | 3.9358% | 1,360 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.8663% | 1,290 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.7335% | 3,262 |
| Return on assets (ROA) | 0.7335% | 3,271 |
| Pretax return on assets | 1.0180% | 2,863 |
| Return on Equity (ROE) | 8.2600% | 3,168 |
| Retained earnings to average equity (ytd only) | 8.2559% | 1,889 |
| Net charge-offs to loans | -0.0309% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.3307% | 3,825 |
| Assets per employee ($millions) | 5.2398% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 2,430 |
| Loan loss allowance to noncurrent loans | 432.5228% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 2,178 |
| Noncurrent loans to loans | 0.2778% | 2,156 |
| Net loans and leases to total assets | 72.0400% | 1,526 |
| Net loans and leases to deposits | 82.5699% | 1,793 |
| Net loans and leases to core deposits | 89.6261% | 1,821 |
| Total domestic deposits to total assets | 87.2500% | 1,847 |
| Equity capital to assets | 9.2204% | 2,359 |
| Core capital (leverage) ratio | 10.8128% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9611% | 1,913 |
| Memoranda: | ||
| Average total assets | $165,230,000 | 3,246 |
| Average earning assets | $154,581,000 | 3,236 |
| Average equity | $14,680,333 | 3,302 |
| Average total loans | $116,342,667 | 2,993 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7759% | 1,676 |
| Cost of funding earning assets | 0.5999% | 3,386 |
| Net interest margin | 4.1761% | 988 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.7366% | 1,579 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0298% | 2,441 |
| Return on assets (ROA) | 1.0298% | 2,406 |
| Pretax return on assets | 1.4331% | 1,804 |
| Return on Equity (ROE) | 11.8100% | 2,266 |
| Retained earnings to average equity (ytd only) | 11.8084% | 1,306 |
| Net charge-offs to loans | -0.2359% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.6304% | 2,252 |
| Assets per employee ($millions) | 6.1566% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 2,449 |
| Loan loss allowance to noncurrent loans | 372.8232% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 1,286 |
| Noncurrent loans to loans | 0.3273% | 1,975 |
| Net loans and leases to total assets | 68.8100% | 1,749 |
| Net loans and leases to deposits | 78.7437% | 1,909 |
| Net loans and leases to core deposits | 85.1549% | 1,915 |
| Total domestic deposits to total assets | 87.3800% | 2,142 |
| Equity capital to assets | 8.9913% | 2,526 |
| Core capital (leverage) ratio | 10.6424% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0541% | 1,959 |
| Memoranda: | ||
| Average total assets | $166,628,500 | 3,285 |
| Average earning assets | $156,032,000 | 3,260 |
| Average equity | $14,532,000 | 3,348 |
| Average total loans | $115,291,000 | 3,029 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 1,929 |
| Cost of funding earning assets | 0.3333% | 2,602 |
| Net interest margin | 3.5883% | 1,682 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.8594% | 1,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5591% | 3,969 |
| Return on assets (ROA) | 0.5591% | 3,933 |
| Pretax return on assets | 0.7878% | 3,658 |
| Return on Equity (ROE) | 6.5600% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.5579% | 2,427 |
| Net charge-offs to loans | -0.0336% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.4001% | 828 |
| Assets per employee ($millions) | 5.7596% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 2,525 |
| Loan loss allowance to noncurrent loans | 342.2392% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 1,256 |
| Noncurrent loans to loans | 0.3424% | 1,921 |
| Net loans and leases to total assets | 67.9200% | 1,836 |
| Net loans and leases to deposits | 77.1271% | 2,025 |
| Net loans and leases to core deposits | 78.9950% | 2,202 |
| Total domestic deposits to total assets | 88.0600% | 2,056 |
| Equity capital to assets | 8.4524% | 2,732 |
| Core capital (leverage) ratio | 10.0433% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8333% | 2,039 |
| Memoranda: | ||
| Average total assets | $160,070,600 | 3,344 |
| Average earning assets | $150,294,200 | 3,327 |
| Average equity | $13,647,600 | 3,511 |
| Average total loans | $107,163,200 | 3,055 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6574% | 2,175 |
| Cost of funding earning assets | 0.2990% | 2,178 |
| Net interest margin | 3.3585% | 2,107 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.7907% | 1,266 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4623% | 4,146 |
| Return on assets (ROA) | 0.4623% | 4,091 |
| Pretax return on assets | 0.6366% | 3,924 |
| Return on Equity (ROE) | 5.4100% | 3,902 |
| Retained earnings to average equity (ytd only) | 5.4101% | 2,952 |
| Net charge-offs to loans | -0.0393% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.4251% | 686 |
| Assets per employee ($millions) | 5.4152% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,551 |
| Loan loss allowance to noncurrent loans | 231.8339% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3558% | 1,524 |
| Noncurrent loans to loans | 0.5159% | 1,508 |
| Net loans and leases to total assets | 68.1500% | 1,665 |
| Net loans and leases to deposits | 79.1064% | 1,624 |
| Net loans and leases to core deposits | 81.4705% | 1,801 |
| Total domestic deposits to total assets | 86.1400% | 3,033 |
| Equity capital to assets | 8.2151% | 2,743 |
| Core capital (leverage) ratio | 10.4729% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6629% | 2,189 |
| Memoranda: | ||
| Average total assets | $158,331,000 | 3,380 |
| Average earning assets | $148,515,750 | 3,362 |
| Average equity | $13,530,000 | 3,559 |
| Average total loans | $105,256,750 | 3,090 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4263% | 2,355 |
| Cost of funding earning assets | 0.2785% | 1,920 |
| Net interest margin | 3.1478% | 2,377 |
| Noninterest income to average assets | 0.2752% | 3,516 |
| Noninterest expense to average assets | 2.7409% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3657% | 4,178 |
| Return on assets (ROA) | 0.3657% | 4,135 |
| Pretax return on assets | 0.5008% | 3,998 |
| Return on Equity (ROE) | 4.2233% | 3,984 |
| Retained earnings to average equity (ytd only) | 4.2233% | 3,005 |
| Net charge-offs to loans | -0.0583% | 4,296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5519% | 650 |
| Assets per employee ($millions) | 4.8590% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,577 |
| Loan loss allowance to noncurrent loans | 226.9492% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 1,482 |
| Noncurrent loans to loans | 0.5383% | 1,538 |
| Net loans and leases to total assets | 69.6260% | 1,329 |
| Net loans and leases to deposits | 79.8631% | 1,398 |
| Net loans and leases to core deposits | 81.5119% | 1,623 |
| Total domestic deposits to total assets | 87.1816% | 2,875 |
| Equity capital to assets | 9.2104% | 2,225 |
| Core capital (leverage) ratio | 10.1608% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2004% | 1,975 |
| Memoranda: | ||
| Average total assets | $156,955,667 | 3,443 |
| Average earning assets | $147,913,000 | 3,416 |
| Average equity | $13,591,333 | 3,625 |
| Average total loans | $102,993,333 | 3,147 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2468% | 2,543 |
| Cost of funding earning assets | 0.2688% | 1,942 |
| Net interest margin | 2.9780% | 2,572 |
| Noninterest income to average assets | 0.2638% | 3,547 |
| Noninterest expense to average assets | 2.7421% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2461% | 4,249 |
| Return on assets (ROA) | 0.2461% | 4,225 |
| Pretax return on assets | 0.3323% | 4,140 |
| Return on Equity (ROE) | 2.9335% | 4,105 |
| Retained earnings to average equity (ytd only) | 2.9335% | 3,286 |
| Net charge-offs to loans | -0.0963% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1914% | 586 |
| Assets per employee ($millions) | 5.6805% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,435 |
| Loan loss allowance to noncurrent loans | 216.3961% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 1,561 |
| Noncurrent loans to loans | 0.5934% | 1,571 |
| Net loans and leases to total assets | 64.4224% | 1,569 |
| Net loans and leases to deposits | 74.0920% | 1,604 |
| Net loans and leases to core deposits | 76.0553% | 1,781 |
| Total domestic deposits to total assets | 86.9492% | 2,944 |
| Equity capital to assets | 9.4169% | 2,348 |
| Core capital (leverage) ratio | 10.3225% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7297% | 1,908 |
| Memoranda: | ||
| Average total assets | $157,689,500 | 3,442 |
| Average earning assets | $148,823,000 | 3,417 |
| Average equity | $13,226,500 | 3,738 |
| Average total loans | $99,690,500 | 3,195 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6346% | 2,297 |
| Cost of funding earning assets | 0.3619% | 1,836 |
| Net interest margin | 3.2727% | 2,399 |
| Noninterest income to average assets | 0.3694% | 3,223 |
| Noninterest expense to average assets | 2.8029% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4664% | 4,151 |
| Return on assets (ROA) | 0.4685% | 4,191 |
| Pretax return on assets | 0.6861% | 3,956 |
| Return on Equity (ROE) | 6.3911% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.3911% | 2,180 |
| Net charge-offs to loans | -0.0752% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3962% | 782 |
| Assets per employee ($millions) | 5.5830% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 2,050 |
| Loan loss allowance to noncurrent loans | 235.4317% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 1,803 |
| Noncurrent loans to loans | 0.5817% | 1,684 |
| Net loans and leases to total assets | 60.3055% | 2,130 |
| Net loans and leases to deposits | 67.7865% | 2,330 |
| Net loans and leases to core deposits | 69.9939% | 2,446 |
| Total domestic deposits to total assets | 88.9639% | 1,533 |
| Equity capital to assets | 7.3405% | 4,645 |
| Core capital (leverage) ratio | 6.9414% | 4,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6199% | 2,965 |
| Memoranda: | ||
| Average total assets | $153,483,000 | 3,456 |
| Average earning assets | $146,178,400 | 3,412 |
| Average equity | $11,250,000 | 4,010 |
| Average total loans | $93,138,200 | 3,287 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6714% | 2,351 |
| Cost of funding earning assets | 0.3821% | 1,840 |
| Net interest margin | 3.2893% | 2,444 |
| Noninterest income to average assets | 0.3500% | 3,360 |
| Noninterest expense to average assets | 2.6173% | 1,790 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6317% | 3,948 |
| Return on assets (ROA) | 0.6345% | 3,999 |
| Pretax return on assets | 0.8692% | 3,759 |
| Return on Equity (ROE) | 8.6594% | 3,211 |
| Retained earnings to average equity (ytd only) | 8.6594% | 1,816 |
| Net charge-offs to loans | -0.0980% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1441% | 1,111 |
| Assets per employee ($millions) | 6.0864% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 2,000 |
| Loan loss allowance to noncurrent loans | 291.7411% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.9054% | 765 |
| Noncurrent loans to loans | 0.4824% | 2,108 |
| Net loans and leases to total assets | 53.7270% | 3,003 |
| Net loans and leases to deposits | 59.8524% | 3,242 |
| Net loans and leases to core deposits | 61.6174% | 3,354 |
| Total domestic deposits to total assets | 89.7658% | 882 |
| Equity capital to assets | 6.8126% | 4,841 |
| Core capital (leverage) ratio | 7.2029% | 4,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1210% | 2,942 |
| Memoranda: | ||
| Average total assets | $152,772,750 | 3,495 |
| Average earning assets | $145,517,250 | 3,454 |
| Average equity | $11,193,750 | 4,068 |
| Average total loans | $92,527,500 | 3,343 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7435% | 2,220 |
| Cost of funding earning assets | 0.4296% | 1,661 |
| Net interest margin | 3.3139% | 2,397 |
| Noninterest income to average assets | 0.3935% | 3,137 |
| Noninterest expense to average assets | 2.7299% | 1,509 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5964% | 3,989 |
| Return on assets (ROA) | 0.5964% | 4,045 |
| Pretax return on assets | 0.8251% | 3,811 |
| Return on Equity (ROE) | 7.9240% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.9240% | 2,104 |
| Net charge-offs to loans | -0.0065% | 3,513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7905% | 1,009 |
| Assets per employee ($millions) | 5.2791% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 2,088 |
| Loan loss allowance to noncurrent loans | 143.2526% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 1.3697% | 455 |
| Noncurrent loans to loans | 0.9588% | 1,290 |
| Net loans and leases to total assets | 58.2540% | 2,640 |
| Net loans and leases to deposits | 65.5553% | 2,861 |
| Net loans and leases to core deposits | 67.6026% | 2,990 |
| Total domestic deposits to total assets | 88.8625% | 1,347 |
| Equity capital to assets | 7.4189% | 4,759 |
| Core capital (leverage) ratio | 7.4504% | 4,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6227% | 2,823 |
| Memoranda: | ||
| Average total assets | $146,890,667 | 3,550 |
| Average earning assets | $140,135,000 | 3,512 |
| Average equity | $11,055,000 | 4,092 |
| Average total loans | $92,414,000 | 3,364 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6571% | 2,478 |
| Cost of funding earning assets | 0.4923% | 1,438 |
| Net interest margin | 3.1648% | 2,799 |
| Noninterest income to average assets | 0.2559% | 3,866 |
| Noninterest expense to average assets | 2.7652% | 1,454 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3616% | 4,430 |
| Return on assets (ROA) | 0.3616% | 4,459 |
| Pretax return on assets | 0.4952% | 4,357 |
| Return on Equity (ROE) | 4.7691% | 4,135 |
| Retained earnings to average equity (ytd only) | 4.7691% | 3,292 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8123% | 557 |
| Assets per employee ($millions) | 5.2906% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 2,204 |
| Loan loss allowance to noncurrent loans | 82.2163% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.7855% | 312 |
| Noncurrent loans to loans | 1.6399% | 738 |
| Net loans and leases to total assets | 61.1974% | 2,378 |
| Net loans and leases to deposits | 68.8478% | 2,617 |
| Net loans and leases to core deposits | 73.3807% | 2,575 |
| Total domestic deposits to total assets | 88.8880% | 1,397 |
| Equity capital to assets | 7.4370% | 4,731 |
| Core capital (leverage) ratio | 7.4642% | 4,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4516% | 2,824 |
| Memoranda: | ||
| Average total assets | $143,788,500 | 3,596 |
| Average earning assets | $136,501,500 | 3,557 |
| Average equity | $10,903,500 | 4,115 |
| Average total loans | $93,408,000 | 3,355 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 1,272 |
| Cost of funding earning assets | 0.6890% | 1,776 |
| Net interest margin | 3.8263% | 1,432 |
| Noninterest income to average assets | 0.2789% | 3,810 |
| Noninterest expense to average assets | 2.8815% | 1,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7435% | 3,283 |
| Return on assets (ROA) | 0.7435% | 3,410 |
| Pretax return on assets | 1.0209% | 2,975 |
| Return on Equity (ROE) | 9.0674% | 2,366 |
| Retained earnings to average equity (ytd only) | 9.0674% | 758 |
| Net charge-offs to loans | -0.0323% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8393% | 1,471 |
| Assets per employee ($millions) | 5.1644% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 2,384 |
| Loan loss allowance to noncurrent loans | 79.0683% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.9399% | 297 |
| Noncurrent loans to loans | 1.6508% | 791 |
| Net loans and leases to total assets | 67.1845% | 1,931 |
| Net loans and leases to deposits | 76.2454% | 2,260 |
| Net loans and leases to core deposits | 81.6387% | 2,215 |
| Total domestic deposits to total assets | 88.1160% | 1,421 |
| Equity capital to assets | 7.7381% | 4,790 |
| Core capital (leverage) ratio | 7.3959% | 4,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9075% | 2,947 |
| Memoranda: | ||
| Average total assets | $133,020,000 | 3,590 |
| Average earning assets | $125,970,600 | 3,555 |
| Average equity | $10,907,200 | 4,093 |
| Average total loans | $95,903,400 | 3,299 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 1,910 |
| Cost of funding earning assets | 0.7528% | 1,725 |
| Net interest margin | 3.6228% | 2,184 |
| Noninterest income to average assets | 0.2841% | 3,786 |
| Noninterest expense to average assets | 2.7667% | 2,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6463% | 3,639 |
| Return on assets (ROA) | 0.6463% | 3,740 |
| Pretax return on assets | 0.9496% | 3,238 |
| Return on Equity (ROE) | 7.7658% | 2,894 |
| Retained earnings to average equity (ytd only) | 7.7658% | 1,384 |
| Net charge-offs to loans | -0.0305% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4472% | 1,366 |
| Assets per employee ($millions) | 4.9575% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 2,606 |
| Loan loss allowance to noncurrent loans | 79.7665% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.9307% | 356 |
| Noncurrent loans to loans | 1.5179% | 939 |
| Net loans and leases to total assets | 72.2995% | 1,617 |
| Net loans and leases to deposits | 82.4433% | 2,056 |
| Net loans and leases to core deposits | 88.3294% | 2,115 |
| Total domestic deposits to total assets | 87.6961% | 1,344 |
| Equity capital to assets | 8.1032% | 4,680 |
| Core capital (leverage) ratio | 7.7936% | 4,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6199% | 2,755 |
| Memoranda: | ||
| Average total assets | $131,415,000 | 3,594 |
| Average earning assets | $124,503,000 | 3,559 |
| Average equity | $10,936,500 | 4,092 |
| Average total loans | $96,149,000 | 3,302 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0084% | 811 |
| Cost of funding earning assets | 0.8148% | 1,759 |
| Net interest margin | 4.1936% | 939 |
| Noninterest income to average assets | 0.2931% | 3,714 |
| Noninterest expense to average assets | 2.8026% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0531% | 2,136 |
| Return on assets (ROA) | 1.0531% | 2,268 |
| Pretax return on assets | 1.4657% | 1,540 |
| Return on Equity (ROE) | 12.5362% | 1,209 |
| Retained earnings to average equity (ytd only) | 12.5362% | 396 |
| Net charge-offs to loans | -0.0233% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6613% | 2,569 |
| Assets per employee ($millions) | 5.1430% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 2,747 |
| Loan loss allowance to noncurrent loans | 55.7130% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.6067% | 551 |
| Noncurrent loans to loans | 2.0751% | 630 |
| Net loans and leases to total assets | 75.0555% | 1,272 |
| Net loans and leases to deposits | 85.5892% | 1,814 |
| Net loans and leases to core deposits | 92.5833% | 1,854 |
| Total domestic deposits to total assets | 87.6926% | 1,332 |
| Equity capital to assets | 8.1571% | 4,648 |
| Core capital (leverage) ratio | 8.1803% | 4,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2778% | 2,894 |
| Memoranda: | ||
| Average total assets | $128,950,000 | 3,610 |
| Average earning assets | $122,233,667 | 3,576 |
| Average equity | $10,832,667 | 4,111 |
| Average total loans | $94,335,667 | 3,328 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 2,077 |
| Cost of funding earning assets | 0.9255% | 1,753 |
| Net interest margin | 3.6511% | 2,507 |
| Noninterest income to average assets | 0.3290% | 3,557 |
| Noninterest expense to average assets | 2.9711% | 1,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5936% | 3,610 |
| Return on assets (ROA) | 0.5936% | 3,666 |
| Pretax return on assets | 0.8194% | 3,362 |
| Return on Equity (ROE) | 6.9529% | 2,970 |
| Retained earnings to average equity (ytd only) | 6.9529% | 1,554 |
| Net charge-offs to loans | -0.0721% | 4,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3830% | 1,293 |
| Assets per employee ($millions) | 4.5690% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 1,824 |
| Loan loss allowance to noncurrent loans | 56.0953% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.8036% | 503 |
| Noncurrent loans to loans | 2.4376% | 502 |
| Net loans and leases to total assets | 71.5690% | 1,986 |
| Net loans and leases to deposits | 82.9067% | 2,344 |
| Net loans and leases to core deposits | 91.0731% | 2,241 |
| Total domestic deposits to total assets | 86.3248% | 1,863 |
| Equity capital to assets | 8.7336% | 4,719 |
| Core capital (leverage) ratio | 8.4506% | 4,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2309% | 3,031 |
| Memoranda: | ||
| Average total assets | $123,995,000 | 3,648 |
| Average earning assets | $117,555,000 | 3,608 |
| Average equity | $10,585,500 | 4,169 |
| Average total loans | $88,783,000 | 3,422 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8907% | 1,780 |
| Cost of funding earning assets | 0.9046% | 2,167 |
| Net interest margin | 3.9861% | 1,893 |
| Noninterest income to average assets | 0.3514% | 3,598 |
| Noninterest expense to average assets | 3.2821% | 1,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6239% | 4,091 |
| Return on assets (ROA) | 0.6252% | 4,149 |
| Pretax return on assets | 0.8512% | 3,873 |
| Return on Equity (ROE) | 7.6951% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.6951% | 1,081 |
| Net charge-offs to loans | -0.0381% | 4,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4370% | 988 |
| Assets per employee ($millions) | 4.6159% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 1,618 |
| Loan loss allowance to noncurrent loans | 111.4391% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.9043% | 1,409 |
| Noncurrent loans to loans | 1.2311% | 1,216 |
| Net loans and leases to total assets | 69.6834% | 2,451 |
| Net loans and leases to deposits | 79.8032% | 2,801 |
| Net loans and leases to core deposits | 86.8702% | 2,722 |
| Total domestic deposits to total assets | 87.3191% | 1,444 |
| Equity capital to assets | 8.3424% | 4,972 |
| Core capital (leverage) ratio | 8.0052% | 5,033 |
| Tier 1 risk-based capital ratio | 11.3688% | 4,700 |
| Total risk-based capital ratio | 12.6192% | 4,575 |
| Memoranda: | ||
| Average total assets | $121,234,400 | 3,679 |
| Average earning assets | $114,973,600 | 3,633 |
| Average equity | $9,850,400 | 4,262 |
| Average total loans | $89,185,600 | 3,416 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9304% | 1,727 |
| Cost of funding earning assets | 0.8846% | 2,297 |
| Net interest margin | 4.0459% | 1,783 |
| Noninterest income to average assets | 0.3721% | 3,488 |
| Noninterest expense to average assets | 3.3569% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6218% | 4,236 |
| Return on assets (ROA) | 0.6235% | 4,284 |
| Pretax return on assets | 0.8572% | 3,985 |
| Return on Equity (ROE) | 7.7277% | 3,422 |
| Retained earnings to average equity (ytd only) | 7.7277% | 1,528 |
| Net charge-offs to loans | -0.0224% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7002% | 948 |
| Assets per employee ($millions) | 4.5600% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 1,782 |
| Loan loss allowance to noncurrent loans | 290.7090% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 3,089 |
| Noncurrent loans to loans | 0.4630% | 2,915 |
| Net loans and leases to total assets | 68.2493% | 2,754 |
| Net loans and leases to deposits | 77.8369% | 3,108 |
| Net loans and leases to core deposits | 83.7941% | 3,114 |
| Total domestic deposits to total assets | 87.6824% | 1,172 |
| Equity capital to assets | 7.9723% | 5,137 |
| Core capital (leverage) ratio | 8.0816% | 5,100 |
| Tier 1 risk-based capital ratio | 10.5305% | 5,067 |
| Total risk-based capital ratio | 11.7774% | 4,998 |
| Memoranda: | ||
| Average total assets | $120,386,000 | 3,736 |
| Average earning assets | $114,253,500 | 3,675 |
| Average equity | $9,713,750 | 4,325 |
| Average total loans | $89,468,750 | 3,449 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9780% | 1,539 |
| Cost of funding earning assets | 0.8643% | 2,326 |
| Net interest margin | 4.1136% | 1,572 |
| Noninterest income to average assets | 0.3306% | 3,729 |
| Noninterest expense to average assets | 3.6285% | 822 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4476% | 4,646 |
| Return on assets (ROA) | 0.4476% | 4,674 |
| Pretax return on assets | 0.6240% | 4,494 |
| Return on Equity (ROE) | 5.5238% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.5238% | 2,507 |
| Net charge-offs to loans | -0.0735% | 4,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3270% | 578 |
| Assets per employee ($millions) | 4.1214% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 1,752 |
| Loan loss allowance to noncurrent loans | 266.4459% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 2,848 |
| Noncurrent loans to loans | 0.5133% | 2,742 |
| Net loans and leases to total assets | 72.8242% | 2,094 |
| Net loans and leases to deposits | 83.5062% | 2,544 |
| Net loans and leases to core deposits | 90.7197% | 2,539 |
| Total domestic deposits to total assets | 87.2082% | 1,495 |
| Equity capital to assets | 8.2361% | 5,132 |
| Core capital (leverage) ratio | 8.3679% | 5,030 |
| Tier 1 risk-based capital ratio | 10.1789% | 5,200 |
| Total risk-based capital ratio | 11.4284% | 5,128 |
| Memoranda: | ||
| Average total assets | $117,955,000 | 3,797 |
| Average earning assets | $112,455,330 | 3,731 |
| Average equity | $9,558,670 | 4,362 |
| Average total loans | $89,848,670 | 3,460 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9199% | 1,546 |
| Cost of funding earning assets | 0.8598% | 2,209 |
| Net interest margin | 4.0601% | 1,664 |
| Noninterest income to average assets | 0.2970% | 3,890 |
| Noninterest expense to average assets | 3.5708% | 873 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4472% | 4,643 |
| Return on assets (ROA) | 0.4472% | 4,662 |
| Pretax return on assets | 0.6111% | 4,491 |
| Return on Equity (ROE) | 5.5650% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.5650% | 2,662 |
| Net charge-offs to loans | -0.1015% | 5,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3878% | 620 |
| Assets per employee ($millions) | 4.1043% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,017 |
| Loan loss allowance to noncurrent loans | 115.5405% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 1,551 |
| Noncurrent loans to loans | 1.1387% | 1,464 |
| Net loans and leases to total assets | 75.4323% | 1,577 |
| Net loans and leases to deposits | 86.3806% | 2,089 |
| Net loans and leases to core deposits | 94.1122% | 2,111 |
| Total domestic deposits to total assets | 87.3255% | 1,653 |
| Equity capital to assets | 8.0503% | 5,164 |
| Core capital (leverage) ratio | 8.1806% | 5,147 |
| Tier 1 risk-based capital ratio | 10.0938% | 5,265 |
| Total risk-based capital ratio | 11.3437% | 5,218 |
| Memoranda: | ||
| Average total assets | $117,171,500 | 3,848 |
| Average earning assets | $112,115,000 | 3,784 |
| Average equity | $9,416,000 | 4,413 |
| Average total loans | $90,649,000 | 3,477 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 1,323 |
| Cost of funding earning assets | 0.6795% | 2,215 |
| Net interest margin | 4.2084% | 1,370 |
| Noninterest income to average assets | 0.3966% | 3,464 |
| Noninterest expense to average assets | 3.7185% | 754 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6492% | 4,287 |
| Return on assets (ROA) | 0.6109% | 4,392 |
| Pretax return on assets | 0.6621% | 4,507 |
| Return on Equity (ROE) | 7.8582% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.8582% | 1,299 |
| Net charge-offs to loans | -0.1084% | 5,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0856% | 649 |
| Assets per employee ($millions) | 3.9764% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,038 |
| Loan loss allowance to noncurrent loans | 269.2661% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 2,894 |
| Noncurrent loans to loans | 0.4827% | 2,829 |
| Net loans and leases to total assets | 77.3026% | 1,388 |
| Net loans and leases to deposits | 88.5532% | 1,985 |
| Net loans and leases to core deposits | 96.0665% | 2,058 |
| Total domestic deposits to total assets | 87.2950% | 1,644 |
| Equity capital to assets | 8.0214% | 5,156 |
| Core capital (leverage) ratio | 7.9286% | 5,263 |
| Tier 1 risk-based capital ratio | 10.1022% | 5,278 |
| Total risk-based capital ratio | 11.3513% | 5,229 |
| Memoranda: | ||
| Average total assets | $115,235,800 | 3,867 |
| Average earning assets | $110,232,000 | 3,797 |
| Average equity | $8,958,800 | 4,466 |
| Average total loans | $90,429,200 | 3,472 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 1,563 |
| Cost of funding earning assets | 0.6206% | 2,333 |
| Net interest margin | 4.1237% | 1,563 |
| Noninterest income to average assets | 0.4050% | 3,452 |
| Noninterest expense to average assets | 3.4670% | 1,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8693% | 3,664 |
| Return on assets (ROA) | 0.8251% | 3,832 |
| Pretax return on assets | 0.8378% | 4,202 |
| Return on Equity (ROE) | 10.6982% | 2,306 |
| Retained earnings to average equity (ytd only) | 10.6982% | 725 |
| Net charge-offs to loans | -0.0044% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7020% | 973 |
| Assets per employee ($millions) | 4.0863% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 2,694 |
| Loan loss allowance to noncurrent loans | 238.1898% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 3,017 |
| Noncurrent loans to loans | 0.4985% | 2,895 |
| Net loans and leases to total assets | 75.7738% | 1,691 |
| Net loans and leases to deposits | 86.4835% | 2,323 |
| Net loans and leases to core deposits | 93.5793% | 2,339 |
| Total domestic deposits to total assets | 87.6165% | 1,432 |
| Equity capital to assets | 7.7280% | 5,264 |
| Core capital (leverage) ratio | 8.1208% | 5,288 |
| Tier 1 risk-based capital ratio | 9.9987% | 5,379 |
| Total risk-based capital ratio | 11.1356% | 5,356 |
| Memoranda: | ||
| Average total assets | $115,215,500 | 3,906 |
| Average earning assets | $110,220,750 | 3,841 |
| Average equity | $8,886,000 | 4,518 |
| Average total loans | $90,457,250 | 3,500 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7225% | 1,450 |
| Cost of funding earning assets | 0.5363% | 2,725 |
| Net interest margin | 4.1862% | 1,316 |
| Noninterest income to average assets | 0.4118% | 3,412 |
| Noninterest expense to average assets | 3.4981% | 998 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0358% | 2,868 |
| Return on assets (ROA) | 0.9674% | 3,158 |
| Pretax return on assets | 0.8535% | 4,103 |
| Return on Equity (ROE) | 12.5521% | 1,524 |
| Retained earnings to average equity (ytd only) | 12.5521% | 445 |
| Net charge-offs to loans | 0.0155% | 2,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 75.1429% | 857 |
| Efficiency ratio | 79.1435% | 1,102 |
| Assets per employee ($millions) | 4.1041% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 2,797 |
| Loan loss allowance to noncurrent loans | 999.0654% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 4,348 |
| Noncurrent loans to loans | 0.1190% | 4,370 |
| Net loans and leases to total assets | 77.3398% | 1,414 |
| Net loans and leases to deposits | 88.4619% | 2,055 |
| Net loans and leases to core deposits | 94.7646% | 2,155 |
| Total domestic deposits to total assets | 87.4272% | 1,675 |
| Equity capital to assets | 7.8823% | 5,265 |
| Core capital (leverage) ratio | 8.1875% | 5,269 |
| Tier 1 risk-based capital ratio | 9.8017% | 5,467 |
| Total risk-based capital ratio | 10.9251% | 5,449 |
| Memoranda: | ||
| Average total assets | $114,119,330 | 3,949 |
| Average earning assets | $109,264,000 | 3,885 |
| Average equity | $8,795,330 | 4,565 |
| Average total loans | $90,318,330 | 3,508 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 1,597 |
| Cost of funding earning assets | 0.4769% | 2,990 |
| Net interest margin | 4.1163% | 1,398 |
| Noninterest income to average assets | 0.4150% | 3,354 |
| Noninterest expense to average assets | 3.4927% | 1,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7984% | 3,708 |
| Return on assets (ROA) | 0.7984% | 3,719 |
| Pretax return on assets | 0.8688% | 3,952 |
| Return on Equity (ROE) | 10.4801% | 2,183 |
| Retained earnings to average equity (ytd only) | 10.4801% | 1,021 |
| Net charge-offs to loans | -0.0707% | 5,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0806% | 1,129 |
| Assets per employee ($millions) | 4.0148% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 2,830 |
| Loan loss allowance to noncurrent loans | 957.8947% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 4,391 |
| Noncurrent loans to loans | 0.1248% | 4,404 |
| Net loans and leases to total assets | 80.2765% | 900 |
| Net loans and leases to deposits | 89.7341% | 1,720 |
| Net loans and leases to core deposits | 92.1467% | 2,286 |
| Total domestic deposits to total assets | 89.4604% | 908 |
| Equity capital to assets | 7.7731% | 5,345 |
| Core capital (leverage) ratio | 7.9960% | 5,388 |
| Tier 1 risk-based capital ratio | 9.4526% | 5,561 |
| Total risk-based capital ratio | 10.5993% | 5,558 |
| Memoranda: | ||
| Average total assets | $113,721,500 | 4,001 |
| Average earning assets | $109,031,000 | 3,932 |
| Average equity | $8,664,000 | 4,630 |
| Average total loans | $90,505,500 | 3,531 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3546% | 2,166 |
| Cost of funding earning assets | 0.4217% | 3,039 |
| Net interest margin | 3.9329% | 1,980 |
| Noninterest income to average assets | 1.5167% | 461 |
| Noninterest expense to average assets | 3.5791% | 923 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7001% | 524 |
| Return on assets (ROA) | 1.7018% | 541 |
| Pretax return on assets | 1.7018% | 1,004 |
| Return on Equity (ROE) | 24.5225% | 75 |
| Retained earnings to average equity (ytd only) | 24.5225% | 20 |
| Net charge-offs to loans | -0.0662% | 5,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7969% | 2,931 |
| Assets per employee ($millions) | 3.9665% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,780 |
| Loan loss allowance to noncurrent loans | 881.9672% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 4,325 |
| Noncurrent loans to loans | 0.1360% | 4,381 |
| Net loans and leases to total assets | 77.0249% | 1,422 |
| Net loans and leases to deposits | 84.7378% | 2,409 |
| Net loans and leases to core deposits | 86.9140% | 2,832 |
| Total domestic deposits to total assets | 90.8979% | 266 |
| Equity capital to assets | 7.4677% | 5,542 |
| Core capital (leverage) ratio | 7.5962% | 5,541 |
| Tier 1 risk-based capital ratio | 9.3792% | 5,611 |
| Total risk-based capital ratio | 10.5293% | 5,609 |
| Memoranda: | ||
| Average total assets | $114,526,000 | 3,989 |
| Average earning assets | $109,562,200 | 3,925 |
| Average equity | $7,947,800 | 4,790 |
| Average total loans | $83,089,200 | 3,679 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2677% | 2,369 |
| Cost of funding earning assets | 0.3987% | 3,207 |
| Net interest margin | 3.8690% | 2,149 |
| Noninterest income to average assets | 1.8962% | 333 |
| Noninterest expense to average assets | 3.5908% | 883 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.0034% | 314 |
| Return on assets (ROA) | 2.0058% | 319 |
| Pretax return on assets | 2.0058% | 540 |
| Return on Equity (ROE) | 29.4662% | 32 |
| Retained earnings to average equity (ytd only) | 29.4662% | 15 |
| Net charge-offs to loans | -0.0426% | 5,111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1875% | 3,509 |
| Assets per employee ($millions) | 4.2151% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,869 |
| Loan loss allowance to noncurrent loans | 693.3775% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 4,422 |
| Noncurrent loans to loans | 0.1746% | 4,373 |
| Net loans and leases to total assets | 75.0907% | 1,748 |
| Net loans and leases to deposits | 82.6419% | 2,702 |
| Net loans and leases to core deposits | 84.7834% | 3,063 |
| Total domestic deposits to total assets | 90.8628% | 219 |
| Equity capital to assets | 7.4467% | 5,622 |
| Core capital (leverage) ratio | 7.6095% | 5,607 |
| Tier 1 risk-based capital ratio | 9.5100% | 5,671 |
| Total risk-based capital ratio | 10.6749% | 5,658 |
| Memoranda: | ||
| Average total assets | $114,400,250 | 4,026 |
| Average earning assets | $109,346,000 | 3,969 |
| Average equity | $7,787,250 | 4,867 |
| Average total loans | $81,442,250 | 3,741 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1505% | 2,663 |
| Cost of funding earning assets | 0.3617% | 3,467 |
| Net interest margin | 3.7888% | 2,324 |
| Noninterest income to average assets | 2.6528% | 210 |
| Noninterest expense to average assets | 3.7156% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.5568% | 124 |
| Return on assets (ROA) | 2.5603% | 122 |
| Pretax return on assets | 2.5603% | 194 |
| Return on Equity (ROE) | 38.8198% | 19 |
| Retained earnings to average equity (ytd only) | 38.8198% | 10 |
| Net charge-offs to loans | -0.0176% | 4,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2376% | 4,434 |
| Assets per employee ($millions) | 3.5547% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,966 |
| Loan loss allowance to noncurrent loans | 201.1742% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 3,085 |
| Noncurrent loans to loans | 0.6009% | 2,925 |
| Net loans and leases to total assets | 76.2342% | 1,509 |
| Net loans and leases to deposits | 83.9298% | 2,486 |
| Net loans and leases to core deposits | 86.3923% | 2,841 |
| Total domestic deposits to total assets | 90.8309% | 263 |
| Equity capital to assets | 7.4504% | 5,662 |
| Core capital (leverage) ratio | 7.6074% | 5,633 |
| Tier 1 risk-based capital ratio | 9.3401% | 5,722 |
| Total risk-based capital ratio | 10.4976% | 5,722 |
| Memoranda: | ||
| Average total assets | $114,597,330 | 4,049 |
| Average earning assets | $109,480,330 | 3,988 |
| Average equity | $7,558,000 | 4,920 |
| Average total loans | $79,754,000 | 3,797 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 2,871 |
| Cost of funding earning assets | 0.3052% | 3,991 |
| Net interest margin | 3.7411% | 2,346 |
| Noninterest income to average assets | 4.8597% | 119 |
| Noninterest expense to average assets | 3.6781% | 801 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 4.7501% | 45 |
| Return on assets (ROA) | 4.7501% | 44 |
| Pretax return on assets | 4.7501% | 64 |
| Return on Equity (ROE) | 76.7146% | 13 |
| Retained earnings to average equity (ytd only) | 76.7146% | 8 |
| Net charge-offs to loans | 0.0622% | 1,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 115.5833% | 474 |
| Efficiency ratio | 43.6408% | 5,604 |
| Assets per employee ($millions) | 3.5838% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 2,529 |
| Loan loss allowance to noncurrent loans | 176.7075% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 2,880 |
| Noncurrent loans to loans | 0.7364% | 2,654 |
| Net loans and leases to total assets | 71.1817% | 2,187 |
| Net loans and leases to deposits | 80.5233% | 2,683 |
| Net loans and leases to core deposits | 83.3317% | 2,963 |
| Total domestic deposits to total assets | 88.3988% | 1,486 |
| Equity capital to assets | 7.4492% | 5,691 |
| Core capital (leverage) ratio | 7.3289% | 5,732 |
| Tier 1 risk-based capital ratio | 9.9150% | 5,717 |
| Total risk-based capital ratio | 11.1331% | 5,698 |
| Memoranda: | ||
| Average total assets | $116,798,000 | 4,046 |
| Average earning assets | $111,410,000 | 3,989 |
| Average equity | $7,232,000 | 5,022 |
| Average total loans | $77,113,500 | 3,881 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 3,521 |
| Cost of funding earning assets | 0.2930% | 4,143 |
| Net interest margin | 3.6214% | 2,994 |
| Noninterest income to average assets | 0.4544% | 3,512 |
| Noninterest expense to average assets | 3.7546% | 817 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1255% | 5,532 |
| Return on assets (ROA) | 0.1813% | 5,496 |
| Pretax return on assets | 0.1813% | 5,513 |
| Return on Equity (ROE) | 3.4042% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.4042% | 3,501 |
| Net charge-offs to loans | -0.0762% | 5,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7660% | 289 |
| Assets per employee ($millions) | 3.7083% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 2,375 |
| Loan loss allowance to noncurrent loans | 177.8746% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 3,242 |
| Noncurrent loans to loans | 0.7485% | 2,658 |
| Net loans and leases to total assets | 60.0138% | 3,852 |
| Net loans and leases to deposits | 64.2670% | 4,391 |
| Net loans and leases to core deposits | 66.7360% | 4,481 |
| Total domestic deposits to total assets | 93.3820% | 32 |
| Equity capital to assets | 5.1197% | 5,875 |
| Core capital (leverage) ratio | 5.4590% | 5,873 |
| Tier 1 risk-based capital ratio | 8.2953% | 5,872 |
| Total risk-based capital ratio | 9.5358% | 5,873 |
| Memoranda: | ||
| Average total assets | $121,930,600 | 3,958 |
| Average earning assets | $115,343,000 | 3,905 |
| Average equity | $6,492,000 | 5,190 |
| Average total loans | $69,594,000 | 4,051 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9171% | 3,527 |
| Cost of funding earning assets | 0.2942% | 4,166 |
| Net interest margin | 3.6229% | 2,997 |
| Noninterest income to average assets | 0.4522% | 3,545 |
| Noninterest expense to average assets | 3.8832% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0088% | 5,722 |
| Return on assets (ROA) | 0.0662% | 5,703 |
| Pretax return on assets | 0.0662% | 5,703 |
| Return on Equity (ROE) | 1.2305% | 5,617 |
| Retained earnings to average equity (ytd only) | 1.2305% | 5,015 |
| Net charge-offs to loans | -0.1160% | 5,626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2277% | 222 |
| Assets per employee ($millions) | 3.5108% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 1,871 |
| Loan loss allowance to noncurrent loans | 186.0507% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7772% | 2,607 |
| Noncurrent loans to loans | 0.7916% | 2,696 |
| Net loans and leases to total assets | 55.9153% | 4,314 |
| Net loans and leases to deposits | 60.2963% | 4,740 |
| Net loans and leases to core deposits | 62.5451% | 4,804 |
| Total domestic deposits to total assets | 92.7342% | 44 |
| Equity capital to assets | 5.5438% | 5,941 |
| Core capital (leverage) ratio | 5.4563% | 5,941 |
| Tier 1 risk-based capital ratio | 8.8224% | 5,928 |
| Total risk-based capital ratio | 10.0731% | 5,927 |
| Memoranda: | ||
| Average total assets | $120,893,000 | 3,997 |
| Average earning assets | $114,196,500 | 3,945 |
| Average equity | $6,501,250 | 5,240 |
| Average total loans | $67,820,750 | 4,127 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 3,501 |
| Cost of funding earning assets | 0.2960% | 4,178 |
| Net interest margin | 3.6331% | 2,964 |
| Noninterest income to average assets | 0.4325% | 3,648 |
| Noninterest expense to average assets | 4.0306% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1680% | 5,844 |
| Return on assets (ROA) | -0.0981% | 5,830 |
| Pretax return on assets | -0.0981% | 5,827 |
| Return on Equity (ROE) | -1.8444% | 5,867 |
| Retained earnings to average equity (ytd only) | -1.8444% | 5,520 |
| Net charge-offs to loans | -0.1310% | 5,704 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3497% | 188 |
| Assets per employee ($millions) | 3.3264% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 2,102 |
| Loan loss allowance to noncurrent loans | 169.1152% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 2,270 |
| Noncurrent loans to loans | 0.8517% | 2,611 |
| Net loans and leases to total assets | 57.8844% | 4,128 |
| Net loans and leases to deposits | 62.4919% | 4,615 |
| Net loans and leases to core deposits | 64.5785% | 4,701 |
| Total domestic deposits to total assets | 92.6271% | 45 |
| Equity capital to assets | 5.6226% | 6,020 |
| Core capital (leverage) ratio | 5.4775% | 6,017 |
| Tier 1 risk-based capital ratio | 8.4157% | 6,012 |
| Total risk-based capital ratio | 9.6654% | 6,011 |
| Memoranda: | ||
| Average total assets | $120,231,670 | 4,038 |
| Average earning assets | $113,510,670 | 3,990 |
| Average equity | $6,397,670 | 5,310 |
| Average total loans | $67,183,000 | 4,169 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 3,361 |
| Cost of funding earning assets | 0.2987% | 4,177 |
| Net interest margin | 3.6621% | 2,839 |
| Noninterest income to average assets | 0.5312% | 2,926 |
| Noninterest expense to average assets | 3.9644% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0266% | 5,766 |
| Return on assets (ROA) | 0.0930% | 5,733 |
| Pretax return on assets | 0.0930% | 5,740 |
| Return on Equity (ROE) | 1.7978% | 5,550 |
| Retained earnings to average equity (ytd only) | 1.7978% | 4,545 |
| Net charge-offs to loans | -0.2195% | 5,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3344% | 309 |
| Assets per employee ($millions) | 3.2275% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 1,889 |
| Loan loss allowance to noncurrent loans | 995.0495% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.5435% | 3,436 |
| Noncurrent loans to loans | 0.1533% | 4,865 |
| Net loans and leases to total assets | 54.3469% | 4,421 |
| Net loans and leases to deposits | 58.5423% | 4,816 |
| Net loans and leases to core deposits | 60.2175% | 4,925 |
| Total domestic deposits to total assets | 92.8336% | 50 |
| Equity capital to assets | 5.4330% | 6,080 |
| Core capital (leverage) ratio | 5.4930% | 6,078 |
| Tier 1 risk-based capital ratio | 8.9296% | 6,059 |
| Total risk-based capital ratio | 10.1803% | 6,056 |
| Memoranda: | ||
| Average total assets | $120,473,000 | 4,063 |
| Average earning assets | $113,814,500 | 4,011 |
| Average equity | $6,230,000 | 5,380 |
| Average total loans | $65,610,000 | 4,228 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 3,603 |
| Cost of funding earning assets | 0.3121% | 4,113 |
| Net interest margin | 3.6171% | 3,065 |
| Noninterest income to average assets | 0.6020% | 2,704 |
| Noninterest expense to average assets | 4.0217% | 651 |
| Loan and lease loss provision to assets | -0.6062% | 6,146 |
| Net operating income to assets | 0.5919% | 4,311 |
| Return on assets (ROA) | 0.5910% | 4,415 |
| Pretax return on assets | 0.5910% | 4,869 |
| Return on Equity (ROE) | 12.8482% | 1,089 |
| Retained earnings to average equity (ytd only) | 12.8482% | 211 |
| Net charge-offs to loans | -0.3166% | 6,019 |
| Credit loss provision to net charge-offs | 334.8837% | 893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3571% | 276 |
| Assets per employee ($millions) | 3.2845% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 2,090 |
| Loan loss allowance to noncurrent loans | 143.9822% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 2,888 |
| Noncurrent loans to loans | 1.0304% | 2,274 |
| Net loans and leases to total assets | 52.9475% | 4,607 |
| Net loans and leases to deposits | 56.6336% | 5,007 |
| Net loans and leases to core deposits | 57.6872% | 5,122 |
| Total domestic deposits to total assets | 93.4912% | 36 |
| Equity capital to assets | 4.9141% | 6,145 |
| Core capital (leverage) ratio | 5.4913% | 6,134 |
| Tier 1 risk-based capital ratio | 9.0168% | 6,103 |
| Total risk-based capital ratio | 10.2671% | 6,093 |
| Memoranda: | ||
| Average total assets | $118,779,400 | 4,084 |
| Average earning assets | $111,830,800 | 4,039 |
| Average equity | $5,463,800 | 5,546 |
| Average total loans | $67,900,000 | 4,146 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 3,468 |
| Cost of funding earning assets | 0.3159% | 4,156 |
| Net interest margin | 3.6521% | 2,951 |
| Noninterest income to average assets | 0.6955% | 2,243 |
| Noninterest expense to average assets | 4.0002% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1287% | 5,807 |
| Return on assets (ROA) | 0.1276% | 5,850 |
| Pretax return on assets | 0.1276% | 5,868 |
| Return on Equity (ROE) | 2.8231% | 5,447 |
| Retained earnings to average equity (ytd only) | 2.8231% | 4,426 |
| Net charge-offs to loans | 0.1109% | 2,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,747 |
| Efficiency ratio | 96.8827% | 393 |
| Assets per employee ($millions) | 3.3002% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1232% | 740 |
| Loan loss allowance to noncurrent loans | 124.4074% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.2221% | 1,932 |
| Noncurrent loans to loans | 1.7066% | 1,410 |
| Net loans and leases to total assets | 54.9811% | 4,464 |
| Net loans and leases to deposits | 58.6768% | 4,943 |
| Net loans and leases to core deposits | 59.7880% | 5,081 |
| Total domestic deposits to total assets | 93.7016% | 30 |
| Equity capital to assets | 4.6487% | 6,236 |
| Core capital (leverage) ratio | 5.0066% | 6,228 |
| Tier 1 risk-based capital ratio | 7.9923% | 6,218 |
| Total risk-based capital ratio | 9.2502% | 6,218 |
| Memoranda: | ||
| Average total assets | $118,092,250 | 4,141 |
| Average earning assets | $111,020,000 | 4,105 |
| Average equity | $5,336,750 | 5,645 |
| Average total loans | $68,546,250 | 4,170 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 3,117 |
| Cost of funding earning assets | 0.3180% | 4,185 |
| Net interest margin | 3.7242% | 2,604 |
| Noninterest income to average assets | 0.5074% | 3,324 |
| Noninterest expense to average assets | 3.9897% | 681 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0153% | 5,976 |
| Return on assets (ROA) | 0.0153% | 6,011 |
| Pretax return on assets | 0.0153% | 6,004 |
| Return on Equity (ROE) | 0.3413% | 5,987 |
| Retained earnings to average equity (ytd only) | 0.3413% | 5,402 |
| Net charge-offs to loans | 0.2198% | 1,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.1184% | 3,702 |
| Efficiency ratio | 99.6186% | 331 |
| Assets per employee ($millions) | 3.1002% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0057% | 976 |
| Loan loss allowance to noncurrent loans | 383.0137% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 1.1027% | 2,304 |
| Noncurrent loans to loans | 0.5237% | 3,887 |
| Net loans and leases to total assets | 57.9804% | 4,104 |
| Net loans and leases to deposits | 61.6154% | 4,728 |
| Net loans and leases to core deposits | 62.7798% | 4,890 |
| Total domestic deposits to total assets | 94.1005% | 30 |
| Equity capital to assets | 4.2705% | 6,313 |
| Core capital (leverage) ratio | 4.9914% | 6,303 |
| Tier 1 risk-based capital ratio | 7.4083% | 6,299 |
| Total risk-based capital ratio | 8.6649% | 6,299 |
| Memoranda: | ||
| Average total assets | $117,853,670 | 4,190 |
| Average earning assets | $110,681,330 | 4,140 |
| Average equity | $5,274,670 | 5,712 |
| Average total loans | $69,148,670 | 4,183 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 3,200 |
| Cost of funding earning assets | 0.3215% | 4,204 |
| Net interest margin | 3.6880% | 2,665 |
| Noninterest income to average assets | 0.5192% | 3,156 |
| Noninterest expense to average assets | 4.0279% | 668 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0441% | 6,052 |
| Return on assets (ROA) | -0.0441% | 6,087 |
| Pretax return on assets | -0.0441% | 6,082 |
| Return on Equity (ROE) | -0.9636% | 6,125 |
| Retained earnings to average equity (ytd only) | -0.9636% | 5,553 |
| Net charge-offs to loans | 0.3485% | 700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.2167% | 3,129 |
| Efficiency ratio | 101.1073% | 339 |
| Assets per employee ($millions) | 3.2036% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0089% | 1,059 |
| Loan loss allowance to noncurrent loans | 223.0284% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 1.3524% | 1,969 |
| Noncurrent loans to loans | 0.9007% | 2,983 |
| Net loans and leases to total assets | 58.1889% | 3,917 |
| Net loans and leases to deposits | 62.2034% | 4,559 |
| Net loans and leases to core deposits | 63.3786% | 4,751 |
| Total domestic deposits to total assets | 93.5461% | 41 |
| Equity capital to assets | 4.7970% | 6,380 |
| Core capital (leverage) ratio | 5.0021% | 6,365 |
| Tier 1 risk-based capital ratio | 7.1751% | 6,371 |
| Total risk-based capital ratio | 8.4309% | 6,370 |
| Memoranda: | ||
| Average total assets | $117,877,000 | 4,222 |
| Average earning assets | $110,739,000 | 4,165 |
| Average equity | $5,396,500 | 5,735 |
| Average total loans | $68,871,500 | 4,207 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 3,256 |
| Cost of funding earning assets | 0.3496% | 4,258 |
| Net interest margin | 3.7687% | 2,738 |
| Noninterest income to average assets | 0.6323% | 2,664 |
| Noninterest expense to average assets | 4.2629% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0975% | 6,154 |
| Return on assets (ROA) | -0.0259% | 6,122 |
| Pretax return on assets | -0.0259% | 6,110 |
| Return on Equity (ROE) | -0.6951% | 6,148 |
| Retained earnings to average equity (ytd only) | -0.6951% | 5,877 |
| Net charge-offs to loans | -0.0453% | 5,897 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8697% | 346 |
| Assets per employee ($millions) | 3.2561% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1884% | 837 |
| Loan loss allowance to noncurrent loans | 240.4568% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 1.0425% | 2,657 |
| Noncurrent loans to loans | 0.9101% | 3,043 |
| Net loans and leases to total assets | 56.2032% | 4,306 |
| Net loans and leases to deposits | 59.7933% | 4,922 |
| Net loans and leases to core deposits | 60.6497% | 5,087 |
| Total domestic deposits to total assets | 93.9960% | 35 |
| Equity capital to assets | 4.3567% | 6,473 |
| Core capital (leverage) ratio | 5.1497% | 6,450 |
| Tier 1 risk-based capital ratio | 7.7731% | 6,449 |
| Total risk-based capital ratio | 9.0318% | 6,450 |
| Memoranda: | ||
| Average total assets | $115,930,600 | 4,257 |
| Average earning assets | $108,685,800 | 4,214 |
| Average equity | $4,316,000 | 6,032 |
| Average total loans | $66,277,000 | 4,287 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1191% | 3,301 |
| Cost of funding earning assets | 0.3559% | 4,278 |
| Net interest margin | 3.7632% | 2,764 |
| Noninterest income to average assets | 0.6528% | 2,563 |
| Noninterest expense to average assets | 4.2026% | 611 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0254% | 6,158 |
| Return on assets (ROA) | 0.0715% | 6,087 |
| Pretax return on assets | 0.0715% | 6,092 |
| Return on Equity (ROE) | 2.0072% | 5,839 |
| Retained earnings to average equity (ytd only) | 2.0072% | 5,049 |
| Net charge-offs to loans | -0.0990% | 6,133 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1441% | 397 |
| Assets per employee ($millions) | 3.1902% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3579% | 774 |
| Loan loss allowance to noncurrent loans | 164.0659% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 1.2939% | 2,389 |
| Noncurrent loans to loans | 1.4372% | 2,269 |
| Net loans and leases to total assets | 53.8334% | 4,594 |
| Net loans and leases to deposits | 57.1600% | 5,164 |
| Net loans and leases to core deposits | 57.9905% | 5,334 |
| Total domestic deposits to total assets | 94.1801% | 38 |
| Equity capital to assets | 4.1142% | 6,549 |
| Core capital (leverage) ratio | 5.2597% | 6,516 |
| Tier 1 risk-based capital ratio | 8.5062% | 6,500 |
| Total risk-based capital ratio | 9.7667% | 6,504 |
| Memoranda: | ||
| Average total assets | $115,608,000 | 4,307 |
| Average earning assets | $108,274,000 | 4,260 |
| Average equity | $4,118,250 | 6,131 |
| Average total loans | $66,007,250 | 4,330 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1627% | 3,091 |
| Cost of funding earning assets | 0.3633% | 4,281 |
| Net interest margin | 3.7994% | 2,575 |
| Noninterest income to average assets | 0.6680% | 2,439 |
| Noninterest expense to average assets | 4.2741% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0501% | 6,224 |
| Return on assets (ROA) | 0.0397% | 6,171 |
| Pretax return on assets | 0.0397% | 6,160 |
| Return on Equity (ROE) | 1.1747% | 6,021 |
| Retained earnings to average equity (ytd only) | 1.1747% | 5,282 |
| Net charge-offs to loans | -0.1016% | 6,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7548% | 413 |
| Assets per employee ($millions) | 3.0552% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2584% | 943 |
| Loan loss allowance to noncurrent loans | 258.8441% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 1.0394% | 2,991 |
| Noncurrent loans to loans | 0.8725% | 3,514 |
| Net loans and leases to total assets | 56.5855% | 4,181 |
| Net loans and leases to deposits | 60.0631% | 4,862 |
| Net loans and leases to core deposits | 61.1167% | 5,045 |
| Total domestic deposits to total assets | 94.2102% | 44 |
| Equity capital to assets | 4.0524% | 6,611 |
| Core capital (leverage) ratio | 5.1819% | 6,579 |
| Tier 1 risk-based capital ratio | 7.9845% | 6,569 |
| Total risk-based capital ratio | 9.2382% | 6,571 |
| Memoranda: | ||
| Average total assets | $115,861,670 | 4,335 |
| Average earning assets | $108,439,330 | 4,279 |
| Average equity | $3,916,000 | 6,218 |
| Average total loans | $66,903,330 | 4,328 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 3,130 |
| Cost of funding earning assets | 0.3682% | 4,340 |
| Net interest margin | 3.7728% | 2,584 |
| Noninterest income to average assets | 0.7606% | 1,910 |
| Noninterest expense to average assets | 4.3284% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0375% | 6,238 |
| Return on assets (ROA) | -0.0375% | 6,246 |
| Pretax return on assets | -0.0375% | 6,242 |
| Return on Equity (ROE) | -1.2278% | 6,315 |
| Retained earnings to average equity (ytd only) | -1.2278% | 5,764 |
| Net charge-offs to loans | 0.1242% | 1,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.5238% | 3,483 |
| Efficiency ratio | 99.4436% | 484 |
| Assets per employee ($millions) | 3.1084% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1082% | 1,311 |
| Loan loss allowance to noncurrent loans | 248.7762% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 1.1147% | 3,028 |
| Noncurrent loans to loans | 0.8474% | 3,772 |
| Net loans and leases to total assets | 57.4502% | 3,930 |
| Net loans and leases to deposits | 60.6106% | 4,698 |
| Net loans and leases to core deposits | 61.6488% | 4,911 |
| Total domestic deposits to total assets | 94.7857% | 41 |
| Equity capital to assets | 3.4414% | 6,685 |
| Core capital (leverage) ratio | 5.0061% | 6,645 |
| Tier 1 risk-based capital ratio | 7.6489% | 6,635 |
| Total risk-based capital ratio | 8.9063% | 6,636 |
| Memoranda: | ||
| Average total assets | $117,271,000 | 4,331 |
| Average earning assets | $109,731,500 | 4,279 |
| Average equity | $3,583,500 | 6,329 |
| Average total loans | $67,633,000 | 4,334 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 3,336 |
| Cost of funding earning assets | 0.4566% | 4,054 |
| Net interest margin | 3.7473% | 2,860 |
| Noninterest income to average assets | 1.1927% | 997 |
| Noninterest expense to average assets | 4.0761% | 802 |
| Loan and lease loss provision to assets | -0.8164% | 6,787 |
| Net operating income to assets | 1.3837% | 1,061 |
| Return on assets (ROA) | 1.3911% | 1,077 |
| Pretax return on assets | 1.3911% | 1,817 |
| Return on Equity (ROE) | 48.2091% | 18 |
| Retained earnings to average equity (ytd only) | 48.2091% | 7 |
| Net charge-offs to loans | 0.2834% | 2,276 |
| Credit loss provision to net charge-offs | -502.5126% | 6,141 |
| Earnings coverage of net charge-offs (x) | 3.4925% | 3,835 |
| Efficiency ratio | 86.5331% | 1,363 |
| Assets per employee ($millions) | 3.3203% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1308% | 1,283 |
| Loan loss allowance to noncurrent loans | 1,805.0000% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.9797% | 3,456 |
| Noncurrent loans to loans | 0.1180% | 5,849 |
| Net loans and leases to total assets | 55.4877% | 4,385 |
| Net loans and leases to deposits | 59.5998% | 4,971 |
| Net loans and leases to core deposits | 60.5996% | 5,176 |
| Total domestic deposits to total assets | 93.1005% | 128 |
| Equity capital to assets | 2.6847% | 6,771 |
| Core capital (leverage) ratio | 4.8528% | 6,722 |
| Tier 1 risk-based capital ratio | 7.5756% | 6,706 |
| Total risk-based capital ratio | 8.8326% | 6,708 |
| Memoranda: | ||
| Average total assets | $122,493,800 | 4,226 |
| Average earning assets | $112,799,800 | 4,204 |
| Average equity | $3,534,600 | 6,425 |
| Average total loans | $70,219,200 | 4,261 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1990% | 3,393 |
| Cost of funding earning assets | 0.4752% | 4,017 |
| Net interest margin | 3.7238% | 2,940 |
| Noninterest income to average assets | 1.3502% | 799 |
| Noninterest expense to average assets | 4.1340% | 734 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6329% | 4,200 |
| Return on assets (ROA) | 0.6394% | 4,295 |
| Pretax return on assets | 0.6394% | 4,886 |
| Return on Equity (ROE) | 21.7915% | 211 |
| Retained earnings to average equity (ytd only) | 21.7915% | 68 |
| Net charge-offs to loans | 0.4179% | 1,532 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.6352% | 3,956 |
| Efficiency ratio | 85.5197% | 1,412 |
| Assets per employee ($millions) | 3.1483% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5599% | 318 |
| Loan loss allowance to noncurrent loans | 3,613.4328% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.9016% | 3,882 |
| Noncurrent loans to loans | 0.0985% | 6,040 |
| Net loans and leases to total assets | 53.4170% | 4,696 |
| Net loans and leases to deposits | 57.4005% | 5,239 |
| Net loans and leases to core deposits | 58.6205% | 5,395 |
| Total domestic deposits to total assets | 93.0601% | 121 |
| Equity capital to assets | 2.3195% | 6,868 |
| Core capital (leverage) ratio | 3.9146% | 6,830 |
| Tier 1 risk-based capital ratio | 6.2315% | 6,819 |
| Total risk-based capital ratio | 7.5044% | 6,820 |
| Memoranda: | ||
| Average total assets | $123,234,500 | 4,241 |
| Average earning assets | $113,073,000 | 4,244 |
| Average equity | $3,616,000 | 6,491 |
| Average total loans | $70,831,750 | 4,270 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 3,077 |
| Cost of funding earning assets | 0.4924% | 3,968 |
| Net interest margin | 3.7774% | 2,645 |
| Noninterest income to average assets | 1.7522% | 543 |
| Noninterest expense to average assets | 4.2161% | 683 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9807% | 2,412 |
| Return on assets (ROA) | 0.9807% | 2,562 |
| Pretax return on assets | 0.9807% | 3,600 |
| Return on Equity (ROE) | 31.2500% | 64 |
| Retained earnings to average equity (ytd only) | 31.2500% | 32 |
| Net charge-offs to loans | 0.6242% | 1,057 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.7009% | 3,617 |
| Efficiency ratio | 80.0374% | 2,148 |
| Assets per employee ($millions) | 3.1466% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3594% | 415 |
| Loan loss allowance to noncurrent loans | 3,101.2821% | 203 |
| Noncurrent assets plus other real estate owned to assets | 2.3069% | 1,877 |
| Noncurrent loans to loans | 0.1083% | 6,071 |
| Net loans and leases to total assets | 56.7052% | 4,177 |
| Net loans and leases to deposits | 61.6685% | 4,784 |
| Net loans and leases to core deposits | 62.9875% | 5,005 |
| Total domestic deposits to total assets | 91.9515% | 257 |
| Equity capital to assets | 2.5334% | 6,914 |
| Core capital (leverage) ratio | 3.9058% | 6,877 |
| Tier 1 risk-based capital ratio | 5.6786% | 6,881 |
| Total risk-based capital ratio | 6.9490% | 6,883 |
| Memoranda: | ||
| Average total assets | $123,385,000 | 4,271 |
| Average earning assets | $112,511,330 | 4,278 |
| Average equity | $3,872,000 | 6,478 |
| Average total loans | $71,773,000 | 4,246 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 3,248 |
| Cost of funding earning assets | 0.5271% | 3,815 |
| Net interest margin | 3.6863% | 2,910 |
| Noninterest income to average assets | 0.3847% | 4,580 |
| Noninterest expense to average assets | 4.1643% | 742 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4332% | 6,649 |
| Return on assets (ROA) | -0.4332% | 6,680 |
| Pretax return on assets | -0.4332% | 6,655 |
| Return on Equity (ROE) | -12.6014% | 6,842 |
| Retained earnings to average equity (ytd only) | -12.6014% | 6,692 |
| Net charge-offs to loans | 1.3844% | 399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.5403% | 3,929 |
| Efficiency ratio | 110.0520% | 326 |
| Assets per employee ($millions) | 3.2782% | 5,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4627% | 430 |
| Loan loss allowance to noncurrent loans | 3,801.5873% | 160 |
| Noncurrent assets plus other real estate owned to assets | 4.0901% | 961 |
| Noncurrent loans to loans | 0.0911% | 6,204 |
| Net loans and leases to total assets | 55.0489% | 4,232 |
| Net loans and leases to deposits | 57.9826% | 5,038 |
| Net loans and leases to core deposits | 59.0659% | 5,241 |
| Total domestic deposits to total assets | 94.9404% | 48 |
| Equity capital to assets | 3.3794% | 6,963 |
| Core capital (leverage) ratio | 3.2505% | 6,959 |
| Tier 1 risk-based capital ratio | 4.8603% | 6,960 |
| Total risk-based capital ratio | 6.1313% | 6,962 |
| Memoranda: | ||
| Average total assets | $123,718,000 | 4,311 |
| Average earning assets | $112,308,500 | 4,328 |
| Average equity | $4,253,500 | 6,456 |
| Average total loans | $71,656,000 | 4,282 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 3,648 |
| Cost of funding earning assets | 0.6542% | 3,878 |
| Net interest margin | 3.7874% | 3,282 |
| Noninterest income to average assets | 0.6659% | 2,903 |
| Noninterest expense to average assets | 4.4510% | 601 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.3795% | 6,504 |
| Return on assets (ROA) | -0.0866% | 6,377 |
| Pretax return on assets | -0.0866% | 6,356 |
| Return on Equity (ROE) | -2.3286% | 6,472 |
| Retained earnings to average equity (ytd only) | -2.3286% | 6,205 |
| Net charge-offs to loans | 0.8473% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.7363% | 5,720 |
| Efficiency ratio | 107.9094% | 367 |
| Assets per employee ($millions) | 3.4092% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5646% | 408 |
| Loan loss allowance to noncurrent loans | 2,166.3934% | 258 |
| Noncurrent assets plus other real estate owned to assets | 3.1528% | 1,479 |
| Noncurrent loans to loans | 0.1645% | 6,069 |
| Net loans and leases to total assets | 56.6845% | 4,165 |
| Net loans and leases to deposits | 59.7087% | 5,055 |
| Net loans and leases to core deposits | 61.0401% | 5,266 |
| Total domestic deposits to total assets | 94.9351% | 45 |
| Equity capital to assets | 3.4945% | 7,022 |
| Core capital (leverage) ratio | 3.2712% | 7,023 |
| Tier 1 risk-based capital ratio | 4.7900% | 7,026 |
| Total risk-based capital ratio | 6.0630% | 7,027 |
| Memoranda: | ||
| Average total assets | $123,590,200 | 4,278 |
| Average earning assets | $111,130,600 | 4,314 |
| Average equity | $4,595,000 | 6,415 |
| Average total loans | $75,177,400 | 4,170 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 3,712 |
| Cost of funding earning assets | 0.6769% | 3,962 |
| Net interest margin | 3.8046% | 3,319 |
| Noninterest income to average assets | 0.7298% | 2,572 |
| Noninterest expense to average assets | 4.5588% | 525 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.4218% | 6,656 |
| Return on assets (ROA) | -0.0618% | 6,470 |
| Pretax return on assets | -0.0618% | 6,453 |
| Return on Equity (ROE) | -1.6373% | 6,543 |
| Retained earnings to average equity (ytd only) | -1.6373% | 6,353 |
| Net charge-offs to loans | 1.0799% | 960 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.6367% | 5,525 |
| Efficiency ratio | 108.8073% | 327 |
| Assets per employee ($millions) | 3.2554% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6173% | 421 |
| Loan loss allowance to noncurrent loans | 155.5361% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 4.6933% | 973 |
| Noncurrent loans to loans | 2.3257% | 2,478 |
| Net loans and leases to total assets | 57.4866% | 4,206 |
| Net loans and leases to deposits | 60.8262% | 5,107 |
| Net loans and leases to core deposits | 61.9814% | 5,362 |
| Total domestic deposits to total assets | 94.5096% | 55 |
| Equity capital to assets | 3.8632% | 7,104 |
| Core capital (leverage) ratio | 3.4038% | 7,111 |
| Tier 1 risk-based capital ratio | 4.9095% | 7,117 |
| Total risk-based capital ratio | 6.1828% | 7,117 |
| Memoranda: | ||
| Average total assets | $122,952,250 | 4,332 |
| Average earning assets | $110,110,750 | 4,384 |
| Average equity | $4,641,750 | 6,474 |
| Average total loans | $75,435,250 | 4,218 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5453% | 3,582 |
| Cost of funding earning assets | 0.7155% | 3,894 |
| Net interest margin | 3.8299% | 3,221 |
| Noninterest income to average assets | 0.7775% | 2,306 |
| Noninterest expense to average assets | 4.6732% | 467 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.4841% | 6,726 |
| Return on assets (ROA) | -0.3097% | 6,682 |
| Pretax return on assets | -0.3097% | 6,648 |
| Return on Equity (ROE) | -8.2681% | 6,870 |
| Retained earnings to average equity (ytd only) | -8.2681% | 6,780 |
| Net charge-offs to loans | 1.6082% | 583 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.4861% | 5,233 |
| Efficiency ratio | 110.1946% | 326 |
| Assets per employee ($millions) | 3.1177% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5814% | 467 |
| Loan loss allowance to noncurrent loans | 228.1197% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 4.9774% | 962 |
| Noncurrent loans to loans | 1.5700% | 3,552 |
| Net loans and leases to total assets | 59.0953% | 3,977 |
| Net loans and leases to deposits | 62.5013% | 4,940 |
| Net loans and leases to core deposits | 62.9536% | 5,304 |
| Total domestic deposits to total assets | 94.5505% | 66 |
| Equity capital to assets | 3.8293% | 7,148 |
| Core capital (leverage) ratio | 3.2786% | 7,163 |
| Tier 1 risk-based capital ratio | 4.6609% | 7,172 |
| Total risk-based capital ratio | 5.9344% | 7,172 |
| Memoranda: | ||
| Average total assets | $122,700,670 | 4,358 |
| Average earning assets | $109,298,670 | 4,426 |
| Average equity | $4,596,000 | 6,514 |
| Average total loans | $75,985,670 | 4,225 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 3,591 |
| Cost of funding earning assets | 0.7697% | 3,700 |
| Net interest margin | 3.8116% | 3,340 |
| Noninterest income to average assets | 0.8016% | 2,159 |
| Noninterest expense to average assets | 4.6472% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.4706% | 6,810 |
| Return on assets (ROA) | -0.2921% | 6,741 |
| Pretax return on assets | -0.2921% | 6,726 |
| Return on Equity (ROE) | -7.8844% | 6,948 |
| Retained earnings to average equity (ytd only) | -7.8844% | 6,761 |
| Net charge-offs to loans | 0.5579% | 1,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.3551% | 4,578 |
| Efficiency ratio | 109.8679% | 337 |
| Assets per employee ($millions) | 2.7853% | 6,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1628% | 328 |
| Loan loss allowance to noncurrent loans | 597.5518% | 589 |
| Noncurrent assets plus other real estate owned to assets | 5.1487% | 997 |
| Noncurrent loans to loans | 0.6966% | 5,275 |
| Net loans and leases to total assets | 59.6051% | 3,753 |
| Net loans and leases to deposits | 63.0439% | 4,764 |
| Net loans and leases to core deposits | 63.8401% | 5,131 |
| Total domestic deposits to total assets | 94.5453% | 73 |
| Equity capital to assets | 3.7371% | 7,201 |
| Core capital (leverage) ratio | 3.3477% | 7,219 |
| Tier 1 risk-based capital ratio | 4.7118% | 7,225 |
| Total risk-based capital ratio | 5.9918% | 7,227 |
| Memoranda: | ||
| Average total assets | $123,256,000 | 4,374 |
| Average earning assets | $109,140,000 | 4,455 |
| Average equity | $4,566,000 | 6,558 |
| Average total loans | $76,717,000 | 4,224 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2797% | 1,772 |
| Cost of funding earning assets | 0.9904% | 3,448 |
| Net interest margin | 4.2894% | 1,733 |
| Noninterest income to average assets | 1.2724% | 794 |
| Noninterest expense to average assets | 4.4369% | 622 |
| Loan and lease loss provision to assets | 0.1385% | 4,889 |
| Net operating income to assets | 0.4698% | 4,542 |
| Return on assets (ROA) | 0.4841% | 4,702 |
| Pretax return on assets | 0.4841% | 5,037 |
| Return on Equity (ROE) | 15.8172% | 627 |
| Retained earnings to average equity (ytd only) | 15.8172% | 101 |
| Net charge-offs to loans | 1.2333% | 1,352 |
| Credit loss provision to net charge-offs | 16.9585% | 5,951 |
| Earnings coverage of net charge-offs (x) | 0.7447% | 5,246 |
| Efficiency ratio | 86.8826% | 1,456 |
| Assets per employee ($millions) | 2.7546% | 6,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2480% | 313 |
| Loan loss allowance to noncurrent loans | 261.7717% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 6.9968% | 651 |
| Noncurrent loans to loans | 1.6228% | 3,725 |
| Net loans and leases to total assets | 59.6433% | 4,050 |
| Net loans and leases to deposits | 63.0126% | 5,119 |
| Net loans and leases to core deposits | 63.6215% | 5,506 |
| Total domestic deposits to total assets | 94.6530% | 73 |
| Equity capital to assets | 3.6722% | 7,239 |
| Core capital (leverage) ratio | 3.3175% | 7,251 |
| Tier 1 risk-based capital ratio | 4.5891% | 7,259 |
| Total risk-based capital ratio | 5.8682% | 7,260 |
| Memoranda: | ||
| Average total assets | $132,816,600 | 4,109 |
| Average earning assets | $116,824,200 | 4,216 |
| Average equity | $4,065,200 | 6,732 |
| Average total loans | $87,973,400 | 3,907 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3366% | 1,731 |
| Cost of funding earning assets | 1.0316% | 3,453 |
| Net interest margin | 4.3050% | 1,697 |
| Noninterest income to average assets | 1.6263% | 504 |
| Noninterest expense to average assets | 4.4285% | 614 |
| Loan and lease loss provision to assets | 0.1817% | 4,217 |
| Net operating income to assets | 0.8028% | 3,144 |
| Return on assets (ROA) | 0.7939% | 3,358 |
| Pretax return on assets | 0.7939% | 4,157 |
| Return on Equity (ROE) | 27.1832% | 92 |
| Retained earnings to average equity (ytd only) | 27.1832% | 29 |
| Net charge-offs to loans | 0.8662% | 1,836 |
| Credit loss provision to net charge-offs | 31.2394% | 5,397 |
| Earnings coverage of net charge-offs (x) | 1.6927% | 4,386 |
| Efficiency ratio | 80.8464% | 2,134 |
| Assets per employee ($millions) | 2.7293% | 6,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5121% | 261 |
| Loan loss allowance to noncurrent loans | 208.7341% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 7.5517% | 618 |
| Noncurrent loans to loans | 2.1617% | 3,162 |
| Net loans and leases to total assets | 65.0627% | 3,093 |
| Net loans and leases to deposits | 68.9402% | 4,457 |
| Net loans and leases to core deposits | 69.6147% | 4,993 |
| Total domestic deposits to total assets | 94.3755% | 71 |
| Equity capital to assets | 3.8650% | 7,330 |
| Core capital (leverage) ratio | 3.4699% | 7,327 |
| Tier 1 risk-based capital ratio | 4.5778% | 7,342 |
| Total risk-based capital ratio | 5.8628% | 7,344 |
| Memoranda: | ||
| Average total assets | $135,031,500 | 4,099 |
| Average earning assets | $118,774,500 | 4,187 |
| Average equity | $3,943,500 | 6,817 |
| Average total loans | $90,663,750 | 3,877 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3891% | 1,596 |
| Cost of funding earning assets | 1.0876% | 3,334 |
| Net interest margin | 4.3015% | 1,644 |
| Noninterest income to average assets | 2.1639% | 327 |
| Noninterest expense to average assets | 4.4183% | 656 |
| Loan and lease loss provision to assets | 0.2646% | 3,284 |
| Net operating income to assets | 1.2681% | 1,398 |
| Return on assets (ROA) | 1.2552% | 1,499 |
| Pretax return on assets | 1.2552% | 2,283 |
| Return on Equity (ROE) | 47.5015% | 21 |
| Retained earnings to average equity (ytd only) | 47.5015% | 13 |
| Net charge-offs to loans | 1.0775% | 1,463 |
| Credit loss provision to net charge-offs | 36.7265% | 4,873 |
| Earnings coverage of net charge-offs (x) | 2.1277% | 3,780 |
| Efficiency ratio | 73.3994% | 3,484 |
| Assets per employee ($millions) | 2.8328% | 6,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4227% | 295 |
| Loan loss allowance to noncurrent loans | 193.8786% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 7.7654% | 610 |
| Noncurrent loans to loans | 2.2812% | 3,126 |
| Net loans and leases to total assets | 66.9943% | 2,820 |
| Net loans and leases to deposits | 70.7161% | 4,335 |
| Net loans and leases to core deposits | 71.3939% | 4,900 |
| Total domestic deposits to total assets | 94.7369% | 58 |
| Equity capital to assets | 3.5630% | 7,412 |
| Core capital (leverage) ratio | 3.3821% | 7,407 |
| Tier 1 risk-based capital ratio | 4.4402% | 7,421 |
| Total risk-based capital ratio | 5.7236% | 7,420 |
| Memoranda: | ||
| Average total assets | $139,102,000 | 4,040 |
| Average earning assets | $122,469,330 | 4,138 |
| Average equity | $3,675,670 | 6,937 |
| Average total loans | $92,989,670 | 3,861 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3301% | 1,780 |
| Cost of funding earning assets | 1.1714% | 3,009 |
| Net interest margin | 4.1587% | 2,042 |
| Noninterest income to average assets | 2.9085% | 231 |
| Noninterest expense to average assets | 4.4994% | 591 |
| Loan and lease loss provision to assets | 0.5030% | 1,730 |
| Net operating income to assets | 1.5745% | 730 |
| Return on assets (ROA) | 1.5499% | 812 |
| Pretax return on assets | 1.5499% | 1,299 |
| Return on Equity (ROE) | 68.8734% | 18 |
| Retained earnings to average equity (ytd only) | 68.8734% | 12 |
| Net charge-offs to loans | 1.5073% | 905 |
| Credit loss provision to net charge-offs | 50.9695% | 3,728 |
| Earnings coverage of net charge-offs (x) | 2.1053% | 3,243 |
| Efficiency ratio | 67.6642% | 4,724 |
| Assets per employee ($millions) | 2.9562% | 6,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5070% | 287 |
| Loan loss allowance to noncurrent loans | 131.8406% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 8.3125% | 553 |
| Noncurrent loans to loans | 3.4185% | 2,196 |
| Net loans and leases to total assets | 63.7723% | 3,478 |
| Net loans and leases to deposits | 66.9162% | 4,840 |
| Net loans and leases to core deposits | 67.5126% | 5,356 |
| Total domestic deposits to total assets | 95.3017% | 50 |
| Equity capital to assets | 2.7415% | 7,495 |
| Core capital (leverage) ratio | 2.7470% | 7,490 |
| Tier 1 risk-based capital ratio | 3.9865% | 7,491 |
| Total risk-based capital ratio | 5.2701% | 7,491 |
| Memoranda: | ||
| Average total assets | $146,332,000 | 3,948 |
| Average earning assets | $129,078,500 | 4,044 |
| Average equity | $3,293,000 | 7,081 |
| Average total loans | $95,801,000 | 3,842 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5245% | 2,186 |
| Cost of funding earning assets | 1.4785% | 2,767 |
| Net interest margin | 4.0460% | 2,818 |
| Noninterest income to average assets | 0.6707% | 3,014 |
| Noninterest expense to average assets | 5.7401% | 261 |
| Loan and lease loss provision to assets | 2.6378% | 406 |
| Net operating income to assets | -4.1694% | 7,460 |
| Return on assets (ROA) | -4.0183% | 7,452 |
| Pretax return on assets | -4.0183% | 7,439 |
| Return on Equity (ROE) | -116.3772% | 7,610 |
| Retained earnings to average equity (ytd only) | -116.3772% | 7,610 |
| Net charge-offs to loans | 3.6429% | 377 |
| Credit loss provision to net charge-offs | 101.5743% | 4,464 |
| Earnings coverage of net charge-offs (x) | -0.5898% | 6,499 |
| Efficiency ratio | 135.3935% | 277 |
| Assets per employee ($millions) | 3.2579% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0686% | 374 |
| Loan loss allowance to noncurrent loans | 124.0653% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 7.8666% | 641 |
| Noncurrent loans to loans | 3.2794% | 2,312 |
| Net loans and leases to total assets | 61.7542% | 4,332 |
| Net loans and leases to deposits | 64.1463% | 5,613 |
| Net loans and leases to core deposits | 65.1562% | 5,956 |
| Total domestic deposits to total assets | 96.2709% | 32 |
| Equity capital to assets | 1.8411% | 7,614 |
| Core capital (leverage) ratio | 2.1354% | 7,607 |
| Tier 1 risk-based capital ratio | 2.9127% | 7,607 |
| Total risk-based capital ratio | 4.1915% | 7,607 |
| Memoranda: | ||
| Average total assets | $168,777,000 | 3,564 |
| Average earning assets | $147,578,200 | 3,670 |
| Average equity | $5,827,600 | 6,420 |
| Average total loans | $120,317,400 | 3,308 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6860% | 1,758 |
| Cost of funding earning assets | 1.5374% | 2,737 |
| Net interest margin | 4.1486% | 2,410 |
| Noninterest income to average assets | 0.6368% | 3,210 |
| Noninterest expense to average assets | 5.9377% | 226 |
| Loan and lease loss provision to assets | 3.4700% | 214 |
| Net operating income to assets | -5.1574% | 7,659 |
| Return on assets (ROA) | -4.9587% | 7,650 |
| Pretax return on assets | -4.9587% | 7,638 |
| Return on Equity (ROE) | -129.5080% | 7,716 |
| Retained earnings to average equity (ytd only) | -129.5080% | 7,716 |
| Net charge-offs to loans | 2.4334% | 702 |
| Credit loss provision to net charge-offs | 195.6063% | 1,822 |
| Earnings coverage of net charge-offs (x) | -0.9512% | 6,441 |
| Efficiency ratio | 138.7310% | 251 |
| Assets per employee ($millions) | 3.1140% | 5,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5390% | 127 |
| Loan loss allowance to noncurrent loans | 134.8777% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 9.1899% | 480 |
| Noncurrent loans to loans | 4.1067% | 1,802 |
| Net loans and leases to total assets | 66.2239% | 3,637 |
| Net loans and leases to deposits | 68.9539% | 5,282 |
| Net loans and leases to core deposits | 70.0745% | 5,741 |
| Total domestic deposits to total assets | 96.0408% | 25 |
| Equity capital to assets | 2.5147% | 7,711 |
| Core capital (leverage) ratio | 2.2829% | 7,706 |
| Tier 1 risk-based capital ratio | 2.9642% | 7,708 |
| Total risk-based capital ratio | 4.2605% | 7,709 |
| Memoranda: | ||
| Average total assets | $171,062,250 | 3,559 |
| Average earning assets | $148,993,500 | 3,705 |
| Average equity | $6,549,750 | 6,259 |
| Average total loans | $124,706,000 | 3,270 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7598% | 1,530 |
| Cost of funding earning assets | 1.5694% | 2,839 |
| Net interest margin | 4.1903% | 2,184 |
| Noninterest income to average assets | 0.5514% | 3,702 |
| Noninterest expense to average assets | 5.8045% | 239 |
| Loan and lease loss provision to assets | 4.9912% | 108 |
| Net operating income to assets | -6.5822% | 7,755 |
| Return on assets (ROA) | -6.5822% | 7,760 |
| Pretax return on assets | -6.5822% | 7,748 |
| Return on Equity (ROE) | -155.3757% | 7,782 |
| Retained earnings to average equity (ytd only) | -155.3757% | 7,782 |
| Net charge-offs to loans | 2.2767% | 783 |
| Credit loss provision to net charge-offs | 297.1956% | 1,249 |
| Earnings coverage of net charge-offs (x) | -0.9473% | 6,111 |
| Efficiency ratio | 136.8048% | 270 |
| Assets per employee ($millions) | 3.3678% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5233% | 130 |
| Loan loss allowance to noncurrent loans | 132.8333% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 9.3265% | 461 |
| Noncurrent loans to loans | 4.1581% | 1,797 |
| Net loans and leases to total assets | 69.6620% | 2,981 |
| Net loans and leases to deposits | 74.0977% | 4,664 |
| Net loans and leases to core deposits | 75.6584% | 5,235 |
| Total domestic deposits to total assets | 94.0137% | 72 |
| Equity capital to assets | 2.8913% | 7,759 |
| Core capital (leverage) ratio | 2.5547% | 7,759 |
| Tier 1 risk-based capital ratio | 3.1939% | 7,769 |
| Total risk-based capital ratio | 4.4905% | 7,768 |
| Memoranda: | ||
| Average total assets | $174,107,000 | 3,533 |
| Average earning assets | $152,159,330 | 3,666 |
| Average equity | $7,375,670 | 6,007 |
| Average total loans | $128,433,670 | 3,229 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9686% | 1,037 |
| Cost of funding earning assets | 1.5958% | 2,992 |
| Net interest margin | 4.3728% | 1,468 |
| Noninterest income to average assets | 0.4769% | 4,227 |
| Noninterest expense to average assets | 7.3961% | 139 |
| Loan and lease loss provision to assets | 4.2081% | 199 |
| Net operating income to assets | -7.3003% | 7,849 |
| Return on assets (ROA) | -7.3003% | 7,850 |
| Pretax return on assets | -7.3003% | 7,844 |
| Return on Equity (ROE) | -149.1288% | 7,868 |
| Retained earnings to average equity (ytd only) | -149.1288% | 7,866 |
| Net charge-offs to loans | 4.0393% | 324 |
| Credit loss provision to net charge-offs | 141.1945% | 2,514 |
| Earnings coverage of net charge-offs (x) | -1.0375% | 5,386 |
| Efficiency ratio | 170.8908% | 142 |
| Assets per employee ($millions) | 3.5396% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6116% | 499 |
| Loan loss allowance to noncurrent loans | 79.2839% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 9.2893% | 459 |
| Noncurrent loans to loans | 4.5553% | 1,626 |
| Net loans and leases to total assets | 70.1228% | 2,903 |
| Net loans and leases to deposits | 76.4010% | 4,341 |
| Net loans and leases to core deposits | 79.0182% | 4,888 |
| Total domestic deposits to total assets | 91.7826% | 294 |
| Equity capital to assets | 4.0773% | 7,790 |
| Core capital (leverage) ratio | 3.9343% | 7,784 |
| Tier 1 risk-based capital ratio | 4.8443% | 7,810 |
| Total risk-based capital ratio | 6.1187% | 7,811 |
| Memoranda: | ||
| Average total assets | $175,281,500 | 3,570 |
| Average earning assets | $153,403,500 | 3,700 |
| Average equity | $8,580,500 | 5,665 |
| Average total loans | $129,328,000 | 3,269 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9473% | 2,054 |
| Cost of funding earning assets | 1.9629% | 3,137 |
| Net interest margin | 3.9845% | 2,917 |
| Noninterest income to average assets | 0.3602% | 5,509 |
| Noninterest expense to average assets | 4.6098% | 712 |
| Loan and lease loss provision to assets | 2.0269% | 1,057 |
| Net operating income to assets | -2.7830% | 7,349 |
| Return on assets (ROA) | -2.5938% | 7,295 |
| Pretax return on assets | -2.5938% | 7,171 |
| Return on Equity (ROE) | -42.6932% | 7,608 |
| Retained earnings to average equity (ytd only) | -43.6407% | 7,604 |
| Net charge-offs to loans | 1.5981% | 1,577 |
| Credit loss provision to net charge-offs | 162.5055% | 2,710 |
| Earnings coverage of net charge-offs (x) | -0.6062% | 6,756 |
| Efficiency ratio | 118.6086% | 629 |
| Assets per employee ($millions) | 3.0454% | 6,109 |
| Cash dividends to net income (ytd only)* | -2.2194% | 7,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1654% | 673 |
| Loan loss allowance to noncurrent loans | 35.6079% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 12.8911% | 210 |
| Noncurrent loans to loans | 8.8896% | 522 |
| Net loans and leases to total assets | 72.4671% | 2,642 |
| Net loans and leases to deposits | 80.4791% | 3,894 |
| Net loans and leases to core deposits | 92.0737% | 4,877 |
| Total domestic deposits to total assets | 90.0446% | 937 |
| Equity capital to assets | 5.7292% | 7,704 |
| Core capital (leverage) ratio | 5.4699% | 7,717 |
| Tier 1 risk-based capital ratio | 6.7914% | 7,769 |
| Total risk-based capital ratio | 8.0614% | 7,771 |
| Memoranda: | ||
| Average total assets | $182,395,800 | 3,400 |
| Average earning assets | $159,920,400 | 3,524 |
| Average equity | $11,081,400 | 5,001 |
| Average total loans | $142,359,600 | 3,043 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9612% | 2,189 |
| Cost of funding earning assets | 2.0279% | 3,225 |
| Net interest margin | 3.9334% | 3,106 |
| Noninterest income to average assets | 0.3460% | 5,732 |
| Noninterest expense to average assets | 4.3726% | 838 |
| Loan and lease loss provision to assets | 2.6616% | 602 |
| Net operating income to assets | -3.2293% | 7,636 |
| Return on assets (ROA) | -3.2293% | 7,639 |
| Pretax return on assets | -3.2293% | 7,555 |
| Return on Equity (ROE) | -52.4498% | 7,850 |
| Retained earnings to average equity (ytd only) | -53.6699% | 7,852 |
| Net charge-offs to loans | 0.9046% | 2,164 |
| Credit loss provision to net charge-offs | 373.3536% | 1,083 |
| Earnings coverage of net charge-offs (x) | -0.7963% | 6,591 |
| Efficiency ratio | 113.9142% | 695 |
| Assets per employee ($millions) | 3.3216% | 5,337 |
| Cash dividends to net income (ytd only)* | -2.3260% | 7,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7761% | 339 |
| Loan loss allowance to noncurrent loans | 52.8909% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 9.4581% | 386 |
| Noncurrent loans to loans | 7.1395% | 749 |
| Net loans and leases to total assets | 73.8126% | 2,585 |
| Net loans and leases to deposits | 81.8966% | 4,044 |
| Net loans and leases to core deposits | 98.5522% | 4,546 |
| Total domestic deposits to total assets | 90.1290% | 720 |
| Equity capital to assets | 5.7895% | 7,892 |
| Core capital (leverage) ratio | 5.3746% | 7,886 |
| Tier 1 risk-based capital ratio | 6.4469% | 7,932 |
| Total risk-based capital ratio | 7.7239% | 7,933 |
| Memoranda: | ||
| Average total assets | $184,598,500 | 3,394 |
| Average earning assets | $162,333,750 | 3,507 |
| Average equity | $11,365,500 | 4,957 |
| Average total loans | $145,473,500 | 3,025 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0882% | 1,827 |
| Cost of funding earning assets | 2.0721% | 3,410 |
| Net interest margin | 4.0161% | 2,632 |
| Noninterest income to average assets | 0.5800% | 3,837 |
| Noninterest expense to average assets | 4.3361% | 908 |
| Loan and lease loss provision to assets | 2.3364% | 682 |
| Net operating income to assets | -2.5852% | 7,583 |
| Return on assets (ROA) | -2.5852% | 7,571 |
| Pretax return on assets | -2.5852% | 7,440 |
| Return on Equity (ROE) | -41.1611% | 7,855 |
| Retained earnings to average equity (ytd only) | -42.9597% | 7,856 |
| Net charge-offs to loans | 0.6503% | 2,409 |
| Credit loss provision to net charge-offs | 451.8908% | 1,029 |
| Earnings coverage of net charge-offs (x) | -0.4811% | 6,066 |
| Efficiency ratio | 105.1555% | 995 |
| Assets per employee ($millions) | 3.3126% | 5,282 |
| Cash dividends to net income (ytd only)* | -4.3697% | 7,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9470% | 593 |
| Loan loss allowance to noncurrent loans | 77.3251% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 8.3722% | 435 |
| Noncurrent loans to loans | 3.8112% | 1,797 |
| Net loans and leases to total assets | 77.4924% | 1,864 |
| Net loans and leases to deposits | 87.4102% | 3,281 |
| Net loans and leases to core deposits | 106.4600% | 3,780 |
| Total domestic deposits to total assets | 88.6537% | 1,458 |
| Equity capital to assets | 6.8300% | 7,696 |
| Core capital (leverage) ratio | 6.5310% | 7,781 |
| Tier 1 risk-based capital ratio | 7.4761% | 7,967 |
| Total risk-based capital ratio | 8.7430% | 7,976 |
| Memoranda: | ||
| Average total assets | $184,128,330 | 3,421 |
| Average earning assets | $160,804,000 | 3,548 |
| Average equity | $11,564,330 | 4,932 |
| Average total loans | $146,402,670 | 3,040 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8846% | 2,874 |
| Cost of funding earning assets | 2.1099% | 3,610 |
| Net interest margin | 3.7748% | 3,563 |
| Noninterest income to average assets | 0.5059% | 4,274 |
| Noninterest expense to average assets | 4.1300% | 1,027 |
| Loan and lease loss provision to assets | 1.7859% | 689 |
| Net operating income to assets | -2.1173% | 7,691 |
| Return on assets (ROA) | -2.1173% | 7,689 |
| Pretax return on assets | -2.1173% | 7,561 |
| Return on Equity (ROE) | -35.2722% | 7,946 |
| Retained earnings to average equity (ytd only) | -39.0501% | 7,955 |
| Net charge-offs to loans | 0.5194% | 2,162 |
| Credit loss provision to net charge-offs | 433.3333% | 1,213 |
| Earnings coverage of net charge-offs (x) | -0.8042% | 5,326 |
| Efficiency ratio | 107.6923% | 874 |
| Assets per employee ($millions) | 3.2533% | 5,448 |
| Cash dividends to net income (ytd only)* | -10.7106% | 8,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2708% | 983 |
| Loan loss allowance to noncurrent loans | 85.2813% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 7.8894% | 381 |
| Noncurrent loans to loans | 2.6628% | 2,466 |
| Net loans and leases to total assets | 77.0501% | 2,029 |
| Net loans and leases to deposits | 89.3844% | 3,030 |
| Net loans and leases to core deposits | 104.0383% | 4,136 |
| Total domestic deposits to total assets | 86.2009% | 2,615 |
| Equity capital to assets | 6.4787% | 7,877 |
| Core capital (leverage) ratio | 6.3408% | 7,930 |
| Tier 1 risk-based capital ratio | 7.0759% | 8,094 |
| Total risk-based capital ratio | 8.3356% | 8,099 |
| Memoranda: | ||
| Average total assets | $183,439,500 | 3,455 |
| Average earning assets | $160,010,500 | 3,572 |
| Average equity | $11,011,500 | 5,104 |
| Average total loans | $145,545,000 | 3,079 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4371% | 466 |
| Cost of funding earning assets | 2.5660% | 3,873 |
| Net interest margin | 4.8711% | 670 |
| Noninterest income to average assets | 0.6365% | 3,587 |
| Noninterest expense to average assets | 4.5425% | 853 |
| Loan and lease loss provision to assets | 2.3209% | 478 |
| Net operating income to assets | -1.8822% | 7,581 |
| Return on assets (ROA) | -1.8822% | 7,536 |
| Pretax return on assets | -1.8822% | 7,403 |
| Return on Equity (ROE) | -26.1267% | 7,884 |
| Retained earnings to average equity (ytd only) | -28.4857% | 7,884 |
| Net charge-offs to loans | 2.4850% | 389 |
| Credit loss provision to net charge-offs | 106.0929% | 5,048 |
| Earnings coverage of net charge-offs (x) | 0.2006% | 6,117 |
| Efficiency ratio | 90.4003% | 1,480 |
| Assets per employee ($millions) | 3.0753% | 5,849 |
| Cash dividends to net income (ytd only)* | -9.0292% | 7,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8566% | 1,516 |
| Loan loss allowance to noncurrent loans | 135.5847% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 6.4440% | 433 |
| Noncurrent loans to loans | 1.3693% | 3,779 |
| Net loans and leases to total assets | 78.3725% | 2,033 |
| Net loans and leases to deposits | 89.4502% | 3,541 |
| Net loans and leases to core deposits | 103.2815% | 4,469 |
| Total domestic deposits to total assets | 87.6157% | 1,664 |
| Equity capital to assets | 5.5164% | 8,133 |
| Core capital (leverage) ratio | 5.5198% | 8,159 |
| Tier 1 risk-based capital ratio | 5.8139% | 8,237 |
| Total risk-based capital ratio | 7.0684% | 8,239 |
| Memoranda: | ||
| Average total assets | $180,056,200 | 3,404 |
| Average earning assets | $160,601,000 | 3,461 |
| Average equity | $12,971,400 | 4,585 |
| Average total loans | $158,509,200 | 2,790 |