Home > Bank of South Texas > Performance and Condition Ratios
Bank of South Texas, 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 | 8.8063% | 93 |
| Cost of funding earning assets | 1.5241% | 1,880 |
| Net interest margin | 7.2822% | 49 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 4.6543% | 265 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.7637% | 644 |
| Return on assets (ROA) | 1.7637% | 616 |
| Pretax return on assets | 2.2252% | 477 |
| Return on Equity (ROE) | 11.8400% | 1,997 |
| Retained earnings to average equity (ytd only) | 11.8411% | 651 |
| Net charge-offs to loans | -0.0293% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.4631% | 2,176 |
| Assets per employee ($millions) | 2.7841% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,120 |
| Loan loss allowance to noncurrent loans | 448.1383% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 2,113 |
| Noncurrent loans to loans | 0.3293% | 2,005 |
| Net loans and leases to total assets | 66.2400% | 2,236 |
| Net loans and leases to deposits | 78.8876% | 2,203 |
| Net loans and leases to core deposits | 92.6231% | 1,861 |
| Total domestic deposits to total assets | 83.9700% | 2,627 |
| Equity capital to assets | 15.3165% | 525 |
| Core capital (leverage) ratio | 13.8040% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $163,804,600 | 3,246 |
| Average earning assets | $142,772,200 | 3,313 |
| Average equity | $24,398,000 | 2,554 |
| Average total loans | $112,817,800 | 3,021 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6950% | 90 |
| Cost of funding earning assets | 1.4063% | 1,850 |
| Net interest margin | 7.2887% | 50 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 4.6744% | 256 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.7490% | 728 |
| Return on assets (ROA) | 1.7490% | 714 |
| Pretax return on assets | 2.2066% | 554 |
| Return on Equity (ROE) | 11.8300% | 2,170 |
| Retained earnings to average equity (ytd only) | 11.8302% | 1,002 |
| Net charge-offs to loans | -0.0379% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.6736% | 2,049 |
| Assets per employee ($millions) | 2.8140% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 1,000 |
| Loan loss allowance to noncurrent loans | 262.8705% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 1,470 |
| Noncurrent loans to loans | 0.5879% | 1,365 |
| Net loans and leases to total assets | 65.7700% | 2,267 |
| Net loans and leases to deposits | 78.5652% | 2,194 |
| Net loans and leases to core deposits | 91.3117% | 1,842 |
| Total domestic deposits to total assets | 83.7100% | 2,856 |
| Equity capital to assets | 15.3186% | 499 |
| Core capital (leverage) ratio | 13.6265% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $162,298,250 | 3,263 |
| Average earning assets | $141,365,250 | 3,337 |
| Average equity | $23,994,500 | 2,568 |
| Average total loans | $112,476,000 | 3,032 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5317% | 90 |
| Cost of funding earning assets | 1.3039% | 1,699 |
| Net interest margin | 7.2278% | 44 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 4.6607% | 247 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.6988% | 781 |
| Return on assets (ROA) | 1.6988% | 784 |
| Pretax return on assets | 2.1433% | 581 |
| Return on Equity (ROE) | 11.6300% | 2,266 |
| Retained earnings to average equity (ytd only) | 11.6321% | 1,053 |
| Net charge-offs to loans | -0.0563% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.1039% | 1,974 |
| Assets per employee ($millions) | 2.8678% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 1,079 |
| Loan loss allowance to noncurrent loans | 262.4611% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 1,375 |
| Noncurrent loans to loans | 0.5838% | 1,282 |
| Net loans and leases to total assets | 65.1000% | 2,267 |
| Net loans and leases to deposits | 77.0236% | 2,214 |
| Net loans and leases to core deposits | 88.4502% | 1,899 |
| Total domestic deposits to total assets | 84.5200% | 2,686 |
| Equity capital to assets | 14.6407% | 560 |
| Core capital (leverage) ratio | 13.0805% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $161,993,333 | 3,272 |
| Average earning assets | $140,652,000 | 3,360 |
| Average equity | $23,658,667 | 2,590 |
| Average total loans | $113,624,333 | 3,023 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2529% | 55 |
| Cost of funding earning assets | 1.1309% | 1,660 |
| Net interest margin | 7.1220% | 44 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 4.6801% | 257 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.6568% | 893 |
| Return on assets (ROA) | 1.6568% | 895 |
| Pretax return on assets | 2.0898% | 665 |
| Return on Equity (ROE) | 11.3600% | 2,386 |
| Retained earnings to average equity (ytd only) | 11.3590% | 1,384 |
| Net charge-offs to loans | -0.1109% | 4,527 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.8766% | 1,876 |
| Assets per employee ($millions) | 2.8283% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 1,375 |
| Loan loss allowance to noncurrent loans | 1,769.1489% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 3,216 |
| Noncurrent loans to loans | 0.0830% | 3,147 |
| Net loans and leases to total assets | 68.0100% | 1,833 |
| Net loans and leases to deposits | 80.2623% | 1,799 |
| Net loans and leases to core deposits | 90.9086% | 1,571 |
| Total domestic deposits to total assets | 84.7300% | 2,923 |
| Equity capital to assets | 14.4228% | 540 |
| Core capital (leverage) ratio | 13.1647% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $159,824,500 | 3,342 |
| Average earning assets | $139,005,500 | 3,419 |
| Average equity | $23,312,000 | 2,636 |
| Average total loans | $115,451,000 | 3,025 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1369% | 28 |
| Cost of funding earning assets | 0.4994% | 1,395 |
| Net interest margin | 7.6375% | 25 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 4.7855% | 236 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.7710% | 466 |
| Return on assets (ROA) | 1.7710% | 448 |
| Pretax return on assets | 2.2123% | 313 |
| Return on Equity (ROE) | 12.0000% | 2,135 |
| Retained earnings to average equity (ytd only) | 12.0003% | 667 |
| Net charge-offs to loans | -0.0009% | 3,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.4809% | 2,150 |
| Assets per employee ($millions) | 2.7300% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 1,584 |
| Loan loss allowance to noncurrent loans | 54,000.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 3,930 |
| Noncurrent loans to loans | 0.0025% | 3,869 |
| Net loans and leases to total assets | 74.5800% | 1,171 |
| Net loans and leases to deposits | 88.1804% | 1,164 |
| Net loans and leases to core deposits | 100.5066% | 976 |
| Total domestic deposits to total assets | 84.5800% | 3,087 |
| Equity capital to assets | 14.7580% | 495 |
| Core capital (leverage) ratio | 13.3578% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $147,089,200 | 3,469 |
| Average earning assets | $127,161,400 | 3,557 |
| Average equity | $21,707,800 | 2,792 |
| Average total loans | $108,316,000 | 3,044 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9858% | 26 |
| Cost of funding earning assets | 0.4604% | 934 |
| Net interest margin | 7.5254% | 25 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 4.7654% | 227 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.7503% | 470 |
| Return on assets (ROA) | 1.7503% | 460 |
| Pretax return on assets | 2.1780% | 330 |
| Return on Equity (ROE) | 11.8600% | 2,080 |
| Retained earnings to average equity (ytd only) | 11.8600% | 825 |
| Net charge-offs to loans | -0.0013% | 3,205 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.1636% | 2,135 |
| Assets per employee ($millions) | 2.7387% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,078 |
| Loan loss allowance to noncurrent loans | 6,208.3333% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 3,811 |
| Noncurrent loans to loans | 0.0208% | 3,762 |
| Net loans and leases to total assets | 74.3200% | 1,071 |
| Net loans and leases to deposits | 87.8392% | 1,045 |
| Net loans and leases to core deposits | 100.1397% | 804 |
| Total domestic deposits to total assets | 84.6100% | 3,362 |
| Equity capital to assets | 14.4596% | 512 |
| Core capital (leverage) ratio | 12.7504% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4286% | 609 |
| Memoranda: | ||
| Average total assets | $144,959,000 | 3,511 |
| Average earning assets | $125,102,250 | 3,599 |
| Average equity | $21,393,500 | 2,862 |
| Average total loans | $105,976,000 | 3,080 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7616% | 26 |
| Cost of funding earning assets | 0.4299% | 763 |
| Net interest margin | 7.3316% | 26 |
| Noninterest income to average assets | 0.6106% | 1,692 |
| Noninterest expense to average assets | 4.7173% | 192 |
| Loan and lease loss provision to assets | 0.0844% | 1,177 |
| Net operating income to assets | 1.7150% | 414 |
| Return on assets (ROA) | 1.7150% | 408 |
| Pretax return on assets | 2.1188% | 280 |
| Return on Equity (ROE) | 11.5366% | 1,821 |
| Retained earnings to average equity (ytd only) | 11.5366% | 690 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1643% | 2,216 |
| Assets per employee ($millions) | 2.7325% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,232 |
| Loan loss allowance to noncurrent loans | 23,083.3333% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,013 |
| Noncurrent loans to loans | 0.0056% | 3,954 |
| Net loans and leases to total assets | 73.1384% | 988 |
| Net loans and leases to deposits | 86.8395% | 922 |
| Net loans and leases to core deposits | 99.7316% | 679 |
| Total domestic deposits to total assets | 84.2225% | 3,642 |
| Equity capital to assets | 14.9427% | 409 |
| Core capital (leverage) ratio | 12.8215% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7820% | 555 |
| Memoranda: | ||
| Average total assets | $142,157,000 | 3,582 |
| Average earning assets | $122,346,333 | 3,666 |
| Average equity | $21,132,667 | 2,963 |
| Average total loans | $102,808,667 | 3,149 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7056% | 27 |
| Cost of funding earning assets | 0.3935% | 908 |
| Net interest margin | 7.3120% | 27 |
| Noninterest income to average assets | 0.6022% | 1,687 |
| Noninterest expense to average assets | 4.7293% | 191 |
| Loan and lease loss provision to assets | 0.0710% | 1,158 |
| Net operating income to assets | 1.7099% | 405 |
| Return on assets (ROA) | 1.7099% | 408 |
| Pretax return on assets | 2.0820% | 309 |
| Return on Equity (ROE) | 11.5331% | 1,441 |
| Retained earnings to average equity (ytd only) | 11.5331% | 670 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7165% | 2,414 |
| Assets per employee ($millions) | 2.9072% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 2,235 |
| Loan loss allowance to noncurrent loans | 33,750.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,080 |
| Noncurrent loans to loans | 0.0039% | 4,015 |
| Net loans and leases to total assets | 70.5173% | 969 |
| Net loans and leases to deposits | 83.6002% | 912 |
| Net loans and leases to core deposits | 94.4472% | 713 |
| Total domestic deposits to total assets | 84.3506% | 3,691 |
| Equity capital to assets | 14.8077% | 417 |
| Core capital (leverage) ratio | 12.9229% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3799% | 708 |
| Memoranda: | ||
| Average total assets | $140,825,500 | 3,608 |
| Average earning assets | $120,951,500 | 3,702 |
| Average equity | $20,879,000 | 3,068 |
| Average total loans | $100,561,000 | 3,177 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2952% | 34 |
| Cost of funding earning assets | 0.5779% | 610 |
| Net interest margin | 6.7173% | 37 |
| Noninterest income to average assets | 0.6416% | 1,984 |
| Noninterest expense to average assets | 4.6484% | 202 |
| Loan and lease loss provision to assets | 0.0197% | 2,677 |
| Net operating income to assets | 1.4234% | 1,202 |
| Return on assets (ROA) | 1.4234% | 1,269 |
| Pretax return on assets | 1.7943% | 926 |
| Return on Equity (ROE) | 9.9227% | 2,549 |
| Retained earnings to average equity (ytd only) | 9.9227% | 935 |
| Net charge-offs to loans | -0.3838% | 4,768 |
| Credit loss provision to net charge-offs | -7.5630% | 3,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9304% | 1,521 |
| Assets per employee ($millions) | 2.8408% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 2,213 |
| Loan loss allowance to noncurrent loans | 18,928.5714% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,124 |
| Noncurrent loans to loans | 0.0070% | 4,055 |
| Net loans and leases to total assets | 70.3983% | 995 |
| Net loans and leases to deposits | 83.2460% | 966 |
| Net loans and leases to core deposits | 94.0712% | 781 |
| Total domestic deposits to total assets | 84.5666% | 3,402 |
| Equity capital to assets | 14.8450% | 513 |
| Core capital (leverage) ratio | 12.7243% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1062% | 743 |
| Memoranda: | ||
| Average total assets | $136,992,600 | 3,611 |
| Average earning assets | $118,708,400 | 3,698 |
| Average equity | $19,652,000 | 3,245 |
| Average total loans | $93,014,400 | 3,291 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3420% | 36 |
| Cost of funding earning assets | 0.6259% | 556 |
| Net interest margin | 6.7162% | 36 |
| Noninterest income to average assets | 0.6430% | 2,039 |
| Noninterest expense to average assets | 4.6642% | 204 |
| Loan and lease loss provision to assets | 0.0264% | 2,470 |
| Net operating income to assets | 1.3906% | 1,575 |
| Return on assets (ROA) | 1.3906% | 1,634 |
| Pretax return on assets | 1.7619% | 1,251 |
| Return on Equity (ROE) | 9.7803% | 2,818 |
| Retained earnings to average equity (ytd only) | 9.7803% | 1,388 |
| Net charge-offs to loans | -0.5191% | 4,846 |
| Credit loss provision to net charge-offs | -7.5843% | 3,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2853% | 1,378 |
| Assets per employee ($millions) | 2.8300% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 2,076 |
| Loan loss allowance to noncurrent loans | 44,166.6667% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,266 |
| Noncurrent loans to loans | 0.0031% | 4,198 |
| Net loans and leases to total assets | 69.3968% | 1,147 |
| Net loans and leases to deposits | 82.4399% | 1,072 |
| Net loans and leases to core deposits | 93.1071% | 864 |
| Total domestic deposits to total assets | 84.1787% | 3,410 |
| Equity capital to assets | 14.8445% | 563 |
| Core capital (leverage) ratio | 12.4533% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,441,250 | 3,658 |
| Average earning assets | $118,021,000 | 3,745 |
| Average equity | $19,399,000 | 3,302 |
| Average total loans | $91,438,500 | 3,358 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2473% | 38 |
| Cost of funding earning assets | 0.7053% | 457 |
| Net interest margin | 6.5420% | 43 |
| Noninterest income to average assets | 0.6279% | 2,092 |
| Noninterest expense to average assets | 4.6135% | 205 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2456% | 2,037 |
| Return on assets (ROA) | 1.2456% | 2,098 |
| Pretax return on assets | 1.6891% | 1,507 |
| Return on Equity (ROE) | 8.8907% | 3,133 |
| Retained earnings to average equity (ytd only) | 8.8907% | 1,742 |
| Net charge-offs to loans | -0.7906% | 4,890 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2002% | 1,317 |
| Assets per employee ($millions) | 2.8444% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 2,065 |
| Loan loss allowance to noncurrent loans | 18,528.5714% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,283 |
| Noncurrent loans to loans | 0.0074% | 4,208 |
| Net loans and leases to total assets | 68.0065% | 1,444 |
| Net loans and leases to deposits | 80.2416% | 1,402 |
| Net loans and leases to core deposits | 90.0084% | 1,139 |
| Total domestic deposits to total assets | 84.7522% | 3,200 |
| Equity capital to assets | 14.3513% | 649 |
| Core capital (leverage) ratio | 11.6137% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,641,000 | 3,670 |
| Average earning assets | $118,526,333 | 3,753 |
| Average equity | $19,143,667 | 3,324 |
| Average total loans | $90,053,000 | 3,396 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0046% | 47 |
| Cost of funding earning assets | 0.7884% | 377 |
| Net interest margin | 6.2162% | 55 |
| Noninterest income to average assets | 0.6028% | 2,193 |
| Noninterest expense to average assets | 4.6907% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9715% | 2,901 |
| Return on assets (ROA) | 0.9715% | 2,995 |
| Pretax return on assets | 1.3109% | 2,537 |
| Return on Equity (ROE) | 7.0196% | 3,603 |
| Retained earnings to average equity (ytd only) | 7.0196% | 2,571 |
| Net charge-offs to loans | -1.2499% | 4,919 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1570% | 942 |
| Assets per employee ($millions) | 2.7817% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 2,197 |
| Loan loss allowance to noncurrent loans | 30,400.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,387 |
| Noncurrent loans to loans | 0.0044% | 4,311 |
| Net loans and leases to total assets | 65.1891% | 1,901 |
| Net loans and leases to deposits | 76.4846% | 1,855 |
| Net loans and leases to core deposits | 85.7816% | 1,540 |
| Total domestic deposits to total assets | 85.2316% | 3,018 |
| Equity capital to assets | 13.9966% | 674 |
| Core capital (leverage) ratio | 11.6275% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,696,000 | 3,672 |
| Average earning assets | $118,721,500 | 3,757 |
| Average equity | $18,918,500 | 3,339 |
| Average total loans | $88,006,000 | 3,442 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9918% | 44 |
| Cost of funding earning assets | 1.1521% | 333 |
| Net interest margin | 5.8396% | 48 |
| Noninterest income to average assets | 0.7610% | 1,654 |
| Noninterest expense to average assets | 4.5127% | 253 |
| Loan and lease loss provision to assets | 0.1940% | 2,018 |
| Net operating income to assets | 0.7258% | 3,345 |
| Return on assets (ROA) | 0.7258% | 3,475 |
| Pretax return on assets | 0.8911% | 3,390 |
| Return on Equity (ROE) | 5.5713% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.5713% | 2,014 |
| Net charge-offs to loans | 0.2937% | 591 |
| Credit loss provision to net charge-offs | 103.4483% | 2,782 |
| Earnings coverage of net charge-offs (x) | 5.7854% | 2,835 |
| Efficiency ratio | 80.6162% | 842 |
| Assets per employee ($millions) | 2.7977% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 3,490 |
| Loan loss allowance to noncurrent loans | 11,762.5000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 4,423 |
| Noncurrent loans to loans | 0.0093% | 4,345 |
| Net loans and leases to total assets | 62.0037% | 2,615 |
| Net loans and leases to deposits | 72.3470% | 2,648 |
| Net loans and leases to core deposits | 81.0672% | 2,269 |
| Total domestic deposits to total assets | 85.7032% | 2,485 |
| Equity capital to assets | 13.6840% | 879 |
| Core capital (leverage) ratio | 11.4202% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,161,600 | 3,524 |
| Average earning assets | $115,264,200 | 3,687 |
| Average equity | $18,128,600 | 3,353 |
| Average total loans | $88,853,400 | 3,418 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0212% | 48 |
| Cost of funding earning assets | 1.2473% | 308 |
| Net interest margin | 5.7739% | 55 |
| Noninterest income to average assets | 0.8085% | 1,460 |
| Noninterest expense to average assets | 4.5703% | 243 |
| Loan and lease loss provision to assets | 0.2577% | 1,573 |
| Net operating income to assets | 0.5660% | 3,867 |
| Return on assets (ROA) | 0.5660% | 3,957 |
| Pretax return on assets | 0.6997% | 3,901 |
| Return on Equity (ROE) | 4.3996% | 4,066 |
| Retained earnings to average equity (ytd only) | 4.3996% | 2,849 |
| Net charge-offs to loans | 0.3914% | 407 |
| Credit loss provision to net charge-offs | 102.6616% | 2,600 |
| Earnings coverage of net charge-offs (x) | 3.8137% | 2,879 |
| Efficiency ratio | 82.6800% | 700 |
| Assets per employee ($millions) | 2.8365% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,017 |
| Loan loss allowance to noncurrent loans | 60.1282% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 1.1458% | 902 |
| Noncurrent loans to loans | 1.8850% | 674 |
| Net loans and leases to total assets | 60.0942% | 3,221 |
| Net loans and leases to deposits | 70.1926% | 3,299 |
| Net loans and leases to core deposits | 78.7496% | 2,940 |
| Total domestic deposits to total assets | 85.6132% | 2,215 |
| Equity capital to assets | 13.4760% | 1,009 |
| Core capital (leverage) ratio | 10.4882% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,680,250 | 3,504 |
| Average earning assets | $114,165,500 | 3,696 |
| Average equity | $17,971,000 | 3,372 |
| Average total loans | $89,581,750 | 3,420 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2523% | 53 |
| Cost of funding earning assets | 1.3267% | 319 |
| Net interest margin | 5.9257% | 69 |
| Noninterest income to average assets | 0.8562% | 1,271 |
| Noninterest expense to average assets | 4.4670% | 257 |
| Loan and lease loss provision to assets | 0.3834% | 1,075 |
| Net operating income to assets | 0.5964% | 3,754 |
| Return on assets (ROA) | 0.5964% | 3,831 |
| Pretax return on assets | 0.7497% | 3,742 |
| Return on Equity (ROE) | 4.7071% | 3,911 |
| Retained earnings to average equity (ytd only) | 4.7071% | 2,603 |
| Net charge-offs to loans | 0.5792% | 270 |
| Credit loss provision to net charge-offs | 101.5038% | 2,384 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,716 |
| Efficiency ratio | 79.7667% | 908 |
| Assets per employee ($millions) | 2.9627% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,200 |
| Loan loss allowance to noncurrent loans | 72.2008% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.8921% | 1,370 |
| Noncurrent loans to loans | 1.4917% | 1,015 |
| Net loans and leases to total assets | 59.1585% | 3,409 |
| Net loans and leases to deposits | 68.2045% | 3,544 |
| Net loans and leases to core deposits | 83.6908% | 2,637 |
| Total domestic deposits to total assets | 86.7370% | 1,718 |
| Equity capital to assets | 12.5183% | 1,367 |
| Core capital (leverage) ratio | 10.5007% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,856,000 | 3,475 |
| Average earning assets | $112,763,667 | 3,698 |
| Average equity | $17,845,333 | 3,380 |
| Average total loans | $91,856,333 | 3,374 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2791% | 54 |
| Cost of funding earning assets | 1.3206% | 532 |
| Net interest margin | 5.9585% | 60 |
| Noninterest income to average assets | 0.9459% | 965 |
| Noninterest expense to average assets | 4.5826% | 285 |
| Loan and lease loss provision to assets | 0.7758% | 319 |
| Net operating income to assets | 0.3144% | 4,316 |
| Return on assets (ROA) | 0.3144% | 4,341 |
| Pretax return on assets | 0.4153% | 4,265 |
| Return on Equity (ROE) | 2.4659% | 4,348 |
| Retained earnings to average equity (ytd only) | 2.4659% | 3,281 |
| Net charge-offs to loans | 1.1401% | 135 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 1.5353% | 2,381 |
| Efficiency ratio | 79.3706% | 1,203 |
| Assets per employee ($millions) | 2.7883% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 3,651 |
| Loan loss allowance to noncurrent loans | 68.2784% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 1,356 |
| Noncurrent loans to loans | 1.4787% | 1,082 |
| Net loans and leases to total assets | 65.5415% | 2,871 |
| Net loans and leases to deposits | 75.6173% | 3,105 |
| Net loans and leases to core deposits | 101.6418% | 1,350 |
| Total domestic deposits to total assets | 86.6752% | 1,706 |
| Equity capital to assets | 12.7287% | 1,605 |
| Core capital (leverage) ratio | 10.8232% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,698,500 | 3,472 |
| Average earning assets | $112,377,000 | 3,676 |
| Average equity | $17,681,500 | 3,404 |
| Average total loans | $94,376,500 | 3,312 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4564% | 55 |
| Cost of funding earning assets | 1.3553% | 646 |
| Net interest margin | 6.1011% | 58 |
| Noninterest income to average assets | 1.1031% | 786 |
| Noninterest expense to average assets | 4.5173% | 300 |
| Loan and lease loss provision to assets | 0.1049% | 1,972 |
| Net operating income to assets | 1.2953% | 1,707 |
| Return on assets (ROA) | 1.2953% | 1,782 |
| Pretax return on assets | 1.6019% | 1,480 |
| Return on Equity (ROE) | 10.6067% | 2,045 |
| Retained earnings to average equity (ytd only) | 10.6067% | 387 |
| Net charge-offs to loans | 0.1243% | 1,519 |
| Credit loss provision to net charge-offs | 117.2131% | 2,155 |
| Earnings coverage of net charge-offs (x) | 19.0738% | 2,019 |
| Efficiency ratio | 72.5784% | 1,788 |
| Assets per employee ($millions) | 2.7055% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 3,666 |
| Loan loss allowance to noncurrent loans | 59.8203% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.1291% | 1,065 |
| Noncurrent loans to loans | 1.6154% | 870 |
| Net loans and leases to total assets | 69.2224% | 2,513 |
| Net loans and leases to deposits | 79.8383% | 2,795 |
| Net loans and leases to core deposits | 108.4623% | 946 |
| Total domestic deposits to total assets | 86.7031% | 1,752 |
| Equity capital to assets | 12.7678% | 1,665 |
| Core capital (leverage) ratio | 10.6822% | 2,775 |
| Tier 1 risk-based capital ratio | 14.5519% | 2,992 |
| Total risk-based capital ratio | 15.5131% | 3,056 |
| Memoranda: | ||
| Average total assets | $136,341,800 | 3,488 |
| Average earning assets | $114,438,600 | 3,641 |
| Average equity | $16,649,800 | 3,474 |
| Average total loans | $98,179,400 | 3,252 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5190% | 54 |
| Cost of funding earning assets | 1.3550% | 668 |
| Net interest margin | 6.1640% | 58 |
| Noninterest income to average assets | 0.9926% | 950 |
| Noninterest expense to average assets | 4.4374% | 318 |
| Loan and lease loss provision to assets | 0.0942% | 2,026 |
| Net operating income to assets | 1.3261% | 1,746 |
| Return on assets (ROA) | 1.3261% | 1,814 |
| Pretax return on assets | 1.6459% | 1,483 |
| Return on Equity (ROE) | 10.9862% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.9862% | 531 |
| Net charge-offs to loans | 0.1717% | 990 |
| Credit loss provision to net charge-offs | 75.5906% | 2,558 |
| Earnings coverage of net charge-offs (x) | 13.9684% | 2,263 |
| Efficiency ratio | 71.8323% | 1,867 |
| Assets per employee ($millions) | 2.7605% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 4,014 |
| Loan loss allowance to noncurrent loans | 131.9340% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 2,591 |
| Noncurrent loans to loans | 0.6871% | 2,240 |
| Net loans and leases to total assets | 69.6958% | 2,518 |
| Net loans and leases to deposits | 80.4259% | 2,857 |
| Net loans and leases to core deposits | 108.8741% | 999 |
| Total domestic deposits to total assets | 86.6584% | 1,705 |
| Equity capital to assets | 12.4555% | 1,948 |
| Core capital (leverage) ratio | 10.2446% | 3,367 |
| Tier 1 risk-based capital ratio | 14.4199% | 3,125 |
| Total risk-based capital ratio | 15.3462% | 3,187 |
| Memoranda: | ||
| Average total assets | $135,932,250 | 3,530 |
| Average earning assets | $114,338,250 | 3,674 |
| Average equity | $16,408,000 | 3,528 |
| Average total loans | $98,613,000 | 3,286 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3604% | 58 |
| Cost of funding earning assets | 1.3113% | 719 |
| Net interest margin | 6.0492% | 64 |
| Noninterest income to average assets | 0.9879% | 889 |
| Noninterest expense to average assets | 4.4737% | 317 |
| Loan and lease loss provision to assets | 0.0873% | 2,101 |
| Net operating income to assets | 1.2305% | 2,035 |
| Return on assets (ROA) | 1.2305% | 2,095 |
| Pretax return on assets | 1.5233% | 1,780 |
| Return on Equity (ROE) | 10.3055% | 2,250 |
| Retained earnings to average equity (ytd only) | 10.3055% | 674 |
| Net charge-offs to loans | 0.2562% | 656 |
| Credit loss provision to net charge-offs | 46.4567% | 2,496 |
| Earnings coverage of net charge-offs (x) | 8.5748% | 2,401 |
| Efficiency ratio | 73.5294% | 1,695 |
| Assets per employee ($millions) | 2.8547% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 4,263 |
| Loan loss allowance to noncurrent loans | 197.8873% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 3,328 |
| Noncurrent loans to loans | 0.4300% | 2,990 |
| Net loans and leases to total assets | 70.2199% | 2,500 |
| Net loans and leases to deposits | 80.3733% | 2,909 |
| Net loans and leases to core deposits | 110.0745% | 972 |
| Total domestic deposits to total assets | 87.3672% | 1,400 |
| Equity capital to assets | 11.9043% | 2,264 |
| Core capital (leverage) ratio | 10.3134% | 3,274 |
| Tier 1 risk-based capital ratio | 13.5384% | 3,563 |
| Total risk-based capital ratio | 14.4044% | 3,666 |
| Memoranda: | ||
| Average total assets | $135,234,000 | 3,552 |
| Average earning assets | $113,933,330 | 3,705 |
| Average equity | $16,146,670 | 3,555 |
| Average total loans | $99,124,330 | 3,297 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4062% | 57 |
| Cost of funding earning assets | 1.2350% | 808 |
| Net interest margin | 6.1712% | 61 |
| Noninterest income to average assets | 0.9149% | 1,012 |
| Noninterest expense to average assets | 4.4632% | 301 |
| Loan and lease loss provision to assets | 0.0572% | 2,519 |
| Net operating income to assets | 1.2851% | 1,754 |
| Return on assets (ROA) | 1.2851% | 1,795 |
| Pretax return on assets | 1.5830% | 1,517 |
| Return on Equity (ROE) | 10.7462% | 2,054 |
| Retained earnings to average equity (ytd only) | 10.7462% | 863 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1262% | 1,861 |
| Assets per employee ($millions) | 2.7157% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 3,939 |
| Loan loss allowance to noncurrent loans | 97.3822% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.7177% | 1,956 |
| Noncurrent loans to loans | 0.9836% | 1,702 |
| Net loans and leases to total assets | 72.2652% | 2,109 |
| Net loans and leases to deposits | 84.3988% | 2,341 |
| Net loans and leases to core deposits | 118.9354% | 554 |
| Total domestic deposits to total assets | 85.6235% | 2,436 |
| Equity capital to assets | 12.1567% | 1,931 |
| Core capital (leverage) ratio | 10.0567% | 3,538 |
| Tier 1 risk-based capital ratio | 13.4460% | 3,636 |
| Total risk-based capital ratio | 14.4250% | 3,698 |
| Memoranda: | ||
| Average total assets | $132,910,000 | 3,623 |
| Average earning assets | $111,744,500 | 3,790 |
| Average equity | $15,894,000 | 3,593 |
| Average total loans | $99,152,500 | 3,336 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4055% | 55 |
| Cost of funding earning assets | 1.1429% | 429 |
| Net interest margin | 6.2625% | 61 |
| Noninterest income to average assets | 0.9874% | 969 |
| Noninterest expense to average assets | 4.6362% | 267 |
| Loan and lease loss provision to assets | 0.0159% | 3,834 |
| Net operating income to assets | 1.3440% | 1,642 |
| Return on assets (ROA) | 1.3440% | 1,629 |
| Pretax return on assets | 1.6711% | 1,246 |
| Return on Equity (ROE) | 12.1208% | 1,673 |
| Retained earnings to average equity (ytd only) | 12.1208% | 311 |
| Net charge-offs to loans | -0.0089% | 4,461 |
| Credit loss provision to net charge-offs | -233.3333% | 4,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3214% | 1,715 |
| Assets per employee ($millions) | 2.7092% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 4,158 |
| Loan loss allowance to noncurrent loans | 182.9317% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 3,052 |
| Noncurrent loans to loans | 0.4920% | 2,799 |
| Net loans and leases to total assets | 75.5561% | 1,681 |
| Net loans and leases to deposits | 86.8556% | 2,174 |
| Net loans and leases to core deposits | 125.3076% | 412 |
| Total domestic deposits to total assets | 86.9905% | 1,792 |
| Equity capital to assets | 11.7598% | 2,059 |
| Core capital (leverage) ratio | 9.3584% | 4,290 |
| Tier 1 risk-based capital ratio | 12.6030% | 4,075 |
| Total risk-based capital ratio | 13.5329% | 4,135 |
| Memoranda: | ||
| Average total assets | $132,370,800 | 3,621 |
| Average earning assets | $112,781,600 | 3,762 |
| Average equity | $14,677,200 | 3,674 |
| Average total loans | $101,661,000 | 3,265 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3395% | 54 |
| Cost of funding earning assets | 1.0537% | 474 |
| Net interest margin | 6.2858% | 60 |
| Noninterest income to average assets | 1.0150% | 931 |
| Noninterest expense to average assets | 4.7052% | 250 |
| Loan and lease loss provision to assets | 0.0212% | 3,590 |
| Net operating income to assets | 1.3335% | 1,729 |
| Return on assets (ROA) | 1.3335% | 1,739 |
| Pretax return on assets | 1.6581% | 1,386 |
| Return on Equity (ROE) | 12.2126% | 1,721 |
| Retained earnings to average equity (ytd only) | 12.2126% | 452 |
| Net charge-offs to loans | -0.0170% | 4,581 |
| Credit loss provision to net charge-offs | -161.5385% | 4,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6975% | 1,640 |
| Assets per employee ($millions) | 2.9643% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 4,360 |
| Loan loss allowance to noncurrent loans | 246.6307% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 3,103 |
| Noncurrent loans to loans | 0.3547% | 3,381 |
| Net loans and leases to total assets | 76.0317% | 1,656 |
| Net loans and leases to deposits | 88.1869% | 2,131 |
| Net loans and leases to core deposits | 124.4490% | 452 |
| Total domestic deposits to total assets | 86.2165% | 2,092 |
| Equity capital to assets | 11.0473% | 2,619 |
| Core capital (leverage) ratio | 9.1137% | 4,605 |
| Tier 1 risk-based capital ratio | 11.6315% | 4,719 |
| Total risk-based capital ratio | 12.5267% | 4,807 |
| Memoranda: | ||
| Average total assets | $132,276,250 | 3,655 |
| Average earning assets | $112,993,500 | 3,801 |
| Average equity | $14,443,750 | 3,728 |
| Average total loans | $101,773,500 | 3,298 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2359% | 54 |
| Cost of funding earning assets | 0.9234% | 657 |
| Net interest margin | 6.3124% | 60 |
| Noninterest income to average assets | 1.0954% | 805 |
| Noninterest expense to average assets | 4.8260% | 234 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3505% | 1,599 |
| Return on assets (ROA) | 1.3505% | 1,604 |
| Pretax return on assets | 1.6789% | 1,276 |
| Return on Equity (ROE) | 12.4183% | 1,574 |
| Retained earnings to average equity (ytd only) | 12.4183% | 461 |
| Net charge-offs to loans | -0.0258% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1898% | 1,683 |
| Assets per employee ($millions) | 2.8825% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8726% | 4,456 |
| Loan loss allowance to noncurrent loans | 703.9370% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 3,885 |
| Noncurrent loans to loans | 0.1240% | 4,352 |
| Net loans and leases to total assets | 76.5936% | 1,549 |
| Net loans and leases to deposits | 102.9436% | 598 |
| Net loans and leases to core deposits | 112.9700% | 841 |
| Total domestic deposits to total assets | 74.4035% | 5,011 |
| Equity capital to assets | 11.0652% | 2,574 |
| Core capital (leverage) ratio | 9.0879% | 4,602 |
| Tier 1 risk-based capital ratio | 11.6463% | 4,721 |
| Total risk-based capital ratio | 12.5556% | 4,795 |
| Memoranda: | ||
| Average total assets | $130,915,330 | 3,695 |
| Average earning assets | $112,191,330 | 3,842 |
| Average equity | $14,237,000 | 3,770 |
| Average total loans | $100,834,330 | 3,322 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8280% | 66 |
| Cost of funding earning assets | 0.8682% | 698 |
| Net interest margin | 5.9598% | 72 |
| Noninterest income to average assets | 0.8641% | 1,246 |
| Noninterest expense to average assets | 4.8095% | 244 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9594% | 3,034 |
| Return on assets (ROA) | 0.9594% | 3,050 |
| Pretax return on assets | 1.1839% | 2,826 |
| Return on Equity (ROE) | 8.9019% | 2,953 |
| Retained earnings to average equity (ytd only) | 8.9019% | 1,493 |
| Net charge-offs to loans | -0.0440% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2463% | 1,108 |
| Assets per employee ($millions) | 2.8405% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 4,542 |
| Loan loss allowance to noncurrent loans | 240.4313% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 2,115 |
| Noncurrent loans to loans | 0.3651% | 3,465 |
| Net loans and leases to total assets | 77.0804% | 1,376 |
| Net loans and leases to deposits | 95.1586% | 1,114 |
| Net loans and leases to core deposits | 106.6411% | 1,195 |
| Total domestic deposits to total assets | 81.0020% | 4,205 |
| Equity capital to assets | 10.7966% | 2,770 |
| Core capital (leverage) ratio | 8.5812% | 5,081 |
| Tier 1 risk-based capital ratio | 10.9829% | 5,137 |
| Total risk-based capital ratio | 11.8833% | 5,209 |
| Memoranda: | ||
| Average total assets | $130,075,000 | 3,749 |
| Average earning assets | $111,950,000 | 3,887 |
| Average equity | $14,019,500 | 3,829 |
| Average total loans | $100,024,500 | 3,359 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7319% | 65 |
| Cost of funding earning assets | 1.0073% | 204 |
| Net interest margin | 5.7245% | 86 |
| Noninterest income to average assets | 0.7160% | 1,897 |
| Noninterest expense to average assets | 4.3882% | 347 |
| Loan and lease loss provision to assets | 0.0701% | 2,798 |
| Net operating income to assets | 0.7553% | 3,367 |
| Return on assets (ROA) | 0.7553% | 3,406 |
| Pretax return on assets | 1.0489% | 3,386 |
| Return on Equity (ROE) | 7.2926% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.2926% | 983 |
| Net charge-offs to loans | -0.0615% | 5,239 |
| Credit loss provision to net charge-offs | -159.6491% | 4,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6809% | 1,136 |
| Assets per employee ($millions) | 2.7551% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 4,486 |
| Loan loss allowance to noncurrent loans | 365.9751% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 2,814 |
| Noncurrent loans to loans | 0.2448% | 3,919 |
| Net loans and leases to total assets | 75.3431% | 1,706 |
| Net loans and leases to deposits | 84.8091% | 2,400 |
| Net loans and leases to core deposits | 95.6143% | 2,065 |
| Total domestic deposits to total assets | 88.8384% | 1,069 |
| Equity capital to assets | 10.7592% | 2,886 |
| Core capital (leverage) ratio | 8.3399% | 5,261 |
| Tier 1 risk-based capital ratio | 10.9923% | 5,156 |
| Total risk-based capital ratio | 11.9099% | 5,205 |
| Memoranda: | ||
| Average total assets | $129,756,600 | 3,750 |
| Average earning assets | $108,602,800 | 3,943 |
| Average equity | $13,438,200 | 3,925 |
| Average total loans | $92,639,600 | 3,479 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6953% | 65 |
| Cost of funding earning assets | 1.0208% | 177 |
| Net interest margin | 5.6746% | 86 |
| Noninterest income to average assets | 0.6501% | 2,211 |
| Noninterest expense to average assets | 4.3001% | 373 |
| Loan and lease loss provision to assets | 0.0935% | 2,215 |
| Net operating income to assets | 0.6634% | 4,144 |
| Return on assets (ROA) | 0.6634% | 4,198 |
| Pretax return on assets | 0.9839% | 3,749 |
| Return on Equity (ROE) | 6.4688% | 3,921 |
| Retained earnings to average equity (ytd only) | 6.4688% | 1,975 |
| Net charge-offs to loans | -0.0468% | 5,147 |
| Credit loss provision to net charge-offs | -284.3750% | 4,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9656% | 1,109 |
| Assets per employee ($millions) | 2.9156% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 4,665 |
| Loan loss allowance to noncurrent loans | 239.1061% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.6059% | 2,698 |
| Noncurrent loans to loans | 0.3665% | 3,639 |
| Net loans and leases to total assets | 73.8060% | 1,945 |
| Net loans and leases to deposits | 83.1980% | 2,637 |
| Net loans and leases to core deposits | 94.9084% | 2,178 |
| Total domestic deposits to total assets | 88.7113% | 1,008 |
| Equity capital to assets | 10.4389% | 3,433 |
| Core capital (leverage) ratio | 8.0278% | 5,508 |
| Tier 1 risk-based capital ratio | 10.5873% | 5,424 |
| Total risk-based capital ratio | 11.4744% | 5,490 |
| Memoranda: | ||
| Average total assets | $129,823,500 | 3,785 |
| Average earning assets | $108,152,000 | 3,994 |
| Average equity | $13,314,750 | 3,982 |
| Average total loans | $91,188,750 | 3,533 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5469% | 74 |
| Cost of funding earning assets | 1.0058% | 171 |
| Net interest margin | 5.5412% | 99 |
| Noninterest income to average assets | 0.7668% | 1,700 |
| Noninterest expense to average assets | 4.2578% | 395 |
| Loan and lease loss provision to assets | 0.1407% | 1,460 |
| Net operating income to assets | 0.6493% | 4,087 |
| Return on assets (ROA) | 0.6493% | 4,135 |
| Pretax return on assets | 0.9678% | 3,695 |
| Return on Equity (ROE) | 6.3696% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.3696% | 1,921 |
| Net charge-offs to loans | -0.0337% | 5,012 |
| Credit loss provision to net charge-offs | -606.6667% | 4,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3431% | 1,289 |
| Assets per employee ($millions) | 2.9568% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 4,597 |
| Loan loss allowance to noncurrent loans | 548.3660% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 3,228 |
| Noncurrent loans to loans | 0.1659% | 4,448 |
| Net loans and leases to total assets | 68.6791% | 2,709 |
| Net loans and leases to deposits | 76.9511% | 3,223 |
| Net loans and leases to core deposits | 87.6069% | 2,740 |
| Total domestic deposits to total assets | 89.2503% | 829 |
| Equity capital to assets | 10.1289% | 3,762 |
| Core capital (leverage) ratio | 7.8408% | 5,579 |
| Tier 1 risk-based capital ratio | 10.7611% | 5,356 |
| Total risk-based capital ratio | 11.6634% | 5,425 |
| Memoranda: | ||
| Average total assets | $129,364,000 | 3,814 |
| Average earning assets | $107,378,330 | 4,028 |
| Average equity | $13,187,670 | 4,008 |
| Average total loans | $89,021,330 | 3,596 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4484% | 84 |
| Cost of funding earning assets | 0.9692% | 190 |
| Net interest margin | 5.4793% | 112 |
| Noninterest income to average assets | 0.4925% | 3,029 |
| Noninterest expense to average assets | 4.0339% | 521 |
| Loan and lease loss provision to assets | 0.1067% | 1,791 |
| Net operating income to assets | 0.5740% | 4,262 |
| Return on assets (ROA) | 0.5740% | 4,307 |
| Pretax return on assets | 0.8563% | 3,912 |
| Return on Equity (ROE) | 5.6122% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.6122% | 2,539 |
| Net charge-offs to loans | -0.0458% | 5,144 |
| Credit loss provision to net charge-offs | -340.0000% | 4,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7282% | 1,292 |
| Assets per employee ($millions) | 2.8850% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 4,916 |
| Loan loss allowance to noncurrent loans | 3,108.0000% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 3,209 |
| Noncurrent loans to loans | 0.0274% | 5,110 |
| Net loans and leases to total assets | 69.5894% | 2,453 |
| Net loans and leases to deposits | 80.7030% | 2,656 |
| Net loans and leases to core deposits | 91.7775% | 2,186 |
| Total domestic deposits to total assets | 86.2289% | 2,563 |
| Equity capital to assets | 10.1415% | 3,586 |
| Core capital (leverage) ratio | 7.9924% | 5,562 |
| Tier 1 risk-based capital ratio | 10.9849% | 5,319 |
| Total risk-based capital ratio | 11.8586% | 5,413 |
| Memoranda: | ||
| Average total assets | $127,518,500 | 3,883 |
| Average earning assets | $104,831,500 | 4,109 |
| Average equity | $13,043,000 | 4,048 |
| Average total loans | $87,422,000 | 3,660 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5968% | 65 |
| Cost of funding earning assets | 0.8836% | 323 |
| Net interest margin | 5.7132% | 82 |
| Noninterest income to average assets | 0.7960% | 1,754 |
| Noninterest expense to average assets | 4.6574% | 328 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5404% | 4,478 |
| Return on assets (ROA) | 0.5404% | 4,569 |
| Pretax return on assets | 0.8348% | 4,070 |
| Return on Equity (ROE) | 4.9134% | 4,475 |
| Retained earnings to average equity (ytd only) | 4.9134% | 2,396 |
| Net charge-offs to loans | -0.0284% | 5,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8010% | 926 |
| Assets per employee ($millions) | 2.7825% | 5,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 4,877 |
| Loan loss allowance to noncurrent loans | 36,650.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 3,429 |
| Noncurrent loans to loans | 0.0024% | 5,312 |
| Net loans and leases to total assets | 66.2793% | 3,035 |
| Net loans and leases to deposits | 78.4518% | 3,052 |
| Net loans and leases to core deposits | 88.4964% | 2,629 |
| Total domestic deposits to total assets | 84.4842% | 3,241 |
| Equity capital to assets | 10.3183% | 3,366 |
| Core capital (leverage) ratio | 7.8280% | 5,674 |
| Tier 1 risk-based capital ratio | 11.1070% | 5,285 |
| Total risk-based capital ratio | 11.9807% | 5,380 |
| Memoranda: | ||
| Average total assets | $116,201,800 | 4,062 |
| Average earning assets | $95,516,000 | 4,281 |
| Average equity | $12,781,400 | 4,125 |
| Average total loans | $80,910,600 | 3,784 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5753% | 67 |
| Cost of funding earning assets | 0.8632% | 358 |
| Net interest margin | 5.7121% | 82 |
| Noninterest income to average assets | 0.7804% | 1,840 |
| Noninterest expense to average assets | 4.6055% | 347 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6471% | 4,097 |
| Return on assets (ROA) | 0.6471% | 4,221 |
| Pretax return on assets | 0.8670% | 4,091 |
| Return on Equity (ROE) | 5.7843% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.7843% | 2,310 |
| Net charge-offs to loans | -0.0216% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1565% | 987 |
| Assets per employee ($millions) | 2.6940% | 5,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 5,033 |
| Loan loss allowance to noncurrent loans | 262.9091% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.7836% | 2,593 |
| Noncurrent loans to loans | 0.3239% | 4,095 |
| Net loans and leases to total assets | 69.4317% | 2,582 |
| Net loans and leases to deposits | 83.8158% | 2,506 |
| Net loans and leases to core deposits | 96.4899% | 1,943 |
| Total domestic deposits to total assets | 82.8384% | 3,651 |
| Equity capital to assets | 10.7465% | 3,316 |
| Core capital (leverage) ratio | 8.2754% | 5,513 |
| Tier 1 risk-based capital ratio | 11.4469% | 5,120 |
| Total risk-based capital ratio | 12.3188% | 5,239 |
| Memoranda: | ||
| Average total assets | $113,948,750 | 4,122 |
| Average earning assets | $93,600,250 | 4,350 |
| Average equity | $12,746,750 | 4,168 |
| Average total loans | $80,207,250 | 3,818 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7151% | 65 |
| Cost of funding earning assets | 0.8408% | 397 |
| Net interest margin | 5.8743% | 80 |
| Noninterest income to average assets | 1.0043% | 1,104 |
| Noninterest expense to average assets | 4.8887% | 285 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6725% | 3,949 |
| Return on assets (ROA) | 0.6725% | 4,084 |
| Pretax return on assets | 0.9146% | 3,896 |
| Return on Equity (ROE) | 5.9274% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.9274% | 2,160 |
| Net charge-offs to loans | -0.2416% | 5,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2398% | 1,026 |
| Assets per employee ($millions) | 2.5704% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 4,420 |
| Loan loss allowance to noncurrent loans | 103.6036% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.8291% | 2,517 |
| Noncurrent loans to loans | 0.9822% | 2,315 |
| Net loans and leases to total assets | 67.6986% | 2,824 |
| Net loans and leases to deposits | 82.1733% | 2,687 |
| Net loans and leases to core deposits | 93.6608% | 2,197 |
| Total domestic deposits to total assets | 82.3852% | 3,880 |
| Equity capital to assets | 11.0971% | 2,949 |
| Core capital (leverage) ratio | 8.5387% | 5,331 |
| Tier 1 risk-based capital ratio | 11.5508% | 5,119 |
| Total risk-based capital ratio | 12.5446% | 5,179 |
| Memoranda: | ||
| Average total assets | $111,521,670 | 4,194 |
| Average earning assets | $91,108,330 | 4,438 |
| Average equity | $12,653,000 | 4,207 |
| Average total loans | $78,644,670 | 3,879 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8007% | 62 |
| Cost of funding earning assets | 0.8213% | 438 |
| Net interest margin | 5.9794% | 70 |
| Noninterest income to average assets | 0.7931% | 1,645 |
| Noninterest expense to average assets | 4.7402% | 334 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6834% | 3,798 |
| Return on assets (ROA) | 0.6834% | 3,911 |
| Pretax return on assets | 0.8954% | 3,860 |
| Return on Equity (ROE) | 5.9547% | 4,010 |
| Retained earnings to average equity (ytd only) | 5.9547% | 2,392 |
| Net charge-offs to loans | 0.0510% | 2,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,327 |
| Efficiency ratio | 84.1115% | 1,147 |
| Assets per employee ($millions) | 2.4470% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 4,998 |
| Loan loss allowance to noncurrent loans | 173.0198% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 2,595 |
| Noncurrent loans to loans | 0.5297% | 3,599 |
| Net loans and leases to total assets | 68.6319% | 2,555 |
| Net loans and leases to deposits | 83.8072% | 2,322 |
| Net loans and leases to core deposits | 93.6597% | 2,028 |
| Total domestic deposits to total assets | 81.8926% | 4,258 |
| Equity capital to assets | 11.4362% | 2,499 |
| Core capital (leverage) ratio | 8.5767% | 5,318 |
| Tier 1 risk-based capital ratio | 11.4017% | 5,282 |
| Total risk-based capital ratio | 12.2788% | 5,399 |
| Memoranda: | ||
| Average total assets | $109,447,500 | 4,272 |
| Average earning assets | $88,638,000 | 4,535 |
| Average equity | $12,561,500 | 4,232 |
| Average total loans | $78,411,000 | 3,902 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6416% | 70 |
| Cost of funding earning assets | 0.7180% | 747 |
| Net interest margin | 5.9236% | 75 |
| Noninterest income to average assets | 0.7275% | 2,080 |
| Noninterest expense to average assets | 4.8089% | 325 |
| Loan and lease loss provision to assets | 0.0556% | 3,195 |
| Net operating income to assets | 0.6323% | 4,125 |
| Return on assets (ROA) | 0.6323% | 4,216 |
| Pretax return on assets | 0.7042% | 4,524 |
| Return on Equity (ROE) | 5.1210% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.1210% | 2,335 |
| Net charge-offs to loans | -0.0546% | 5,579 |
| Credit loss provision to net charge-offs | -144.7368% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1374% | 982 |
| Assets per employee ($millions) | 2.4173% | 5,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8802% | 5,154 |
| Loan loss allowance to noncurrent loans | 116.4204% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.8945% | 2,428 |
| Noncurrent loans to loans | 0.7561% | 2,914 |
| Net loans and leases to total assets | 73.3958% | 1,827 |
| Net loans and leases to deposits | 91.8747% | 1,420 |
| Net loans and leases to core deposits | 102.4970% | 1,325 |
| Total domestic deposits to total assets | 79.8869% | 4,770 |
| Equity capital to assets | 11.5187% | 2,338 |
| Core capital (leverage) ratio | 8.6187% | 5,313 |
| Tier 1 risk-based capital ratio | 10.4345% | 5,804 |
| Total risk-based capital ratio | 11.2715% | 5,889 |
| Memoranda: | ||
| Average total assets | $98,837,800 | 4,478 |
| Average earning assets | $80,778,400 | 4,696 |
| Average equity | $12,204,600 | 4,267 |
| Average total loans | $69,583,400 | 4,101 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6137% | 74 |
| Cost of funding earning assets | 0.6901% | 885 |
| Net interest margin | 5.9236% | 78 |
| Noninterest income to average assets | 0.6974% | 2,231 |
| Noninterest expense to average assets | 4.7464% | 351 |
| Loan and lease loss provision to assets | 0.0484% | 3,238 |
| Net operating income to assets | 0.6268% | 4,256 |
| Return on assets (ROA) | 0.6268% | 4,367 |
| Pretax return on assets | 0.7251% | 4,593 |
| Return on Equity (ROE) | 4.9820% | 4,637 |
| Retained earnings to average equity (ytd only) | 4.9820% | 2,929 |
| Net charge-offs to loans | -0.0579% | 5,588 |
| Credit loss provision to net charge-offs | -120.6897% | 5,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6856% | 1,021 |
| Assets per employee ($millions) | 2.3319% | 6,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 5,079 |
| Loan loss allowance to noncurrent loans | 433.7580% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5070% | 3,806 |
| Noncurrent loans to loans | 0.2141% | 4,794 |
| Net loans and leases to total assets | 69.2333% | 2,500 |
| Net loans and leases to deposits | 87.5787% | 1,963 |
| Net loans and leases to core deposits | 97.4226% | 1,753 |
| Total domestic deposits to total assets | 79.0527% | 4,965 |
| Equity capital to assets | 11.8245% | 2,240 |
| Core capital (leverage) ratio | 9.1858% | 4,746 |
| Tier 1 risk-based capital ratio | 12.1921% | 4,969 |
| Total risk-based capital ratio | 13.1448% | 5,065 |
| Memoranda: | ||
| Average total assets | $96,352,250 | 4,583 |
| Average earning assets | $78,441,750 | 4,809 |
| Average equity | $12,123,250 | 4,333 |
| Average total loans | $66,842,000 | 4,215 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3184% | 93 |
| Cost of funding earning assets | 0.6761% | 958 |
| Net interest margin | 5.6423% | 103 |
| Noninterest income to average assets | 0.7787% | 1,875 |
| Noninterest expense to average assets | 4.7320% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5006% | 4,765 |
| Return on assets (ROA) | 0.5006% | 4,873 |
| Pretax return on assets | 0.6525% | 4,814 |
| Return on Equity (ROE) | 3.8908% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.8908% | 3,525 |
| Net charge-offs to loans | -0.0680% | 5,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5646% | 934 |
| Assets per employee ($millions) | 2.0919% | 6,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 5,055 |
| Loan loss allowance to noncurrent loans | 404.4304% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 3,516 |
| Noncurrent loans to loans | 0.2378% | 4,810 |
| Net loans and leases to total assets | 69.9035% | 2,327 |
| Net loans and leases to deposits | 88.2054% | 1,809 |
| Net loans and leases to core deposits | 93.7592% | 1,982 |
| Total domestic deposits to total assets | 79.2509% | 5,037 |
| Equity capital to assets | 12.8710% | 1,459 |
| Core capital (leverage) ratio | 9.3549% | 4,481 |
| Tier 1 risk-based capital ratio | 13.1592% | 4,423 |
| Total risk-based capital ratio | 14.1560% | 4,488 |
| Memoranda: | ||
| Average total assets | $93,491,330 | 4,690 |
| Average earning assets | $76,316,330 | 4,914 |
| Average equity | $12,028,330 | 4,378 |
| Average total loans | $64,679,000 | 4,322 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1324% | 115 |
| Cost of funding earning assets | 0.6529% | 1,099 |
| Net interest margin | 5.4795% | 124 |
| Noninterest income to average assets | 0.7256% | 2,042 |
| Noninterest expense to average assets | 4.5422% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5066% | 4,651 |
| Return on assets (ROA) | 0.5066% | 4,772 |
| Pretax return on assets | 0.6869% | 4,626 |
| Return on Equity (ROE) | 3.9384% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.9384% | 3,631 |
| Net charge-offs to loans | -0.0752% | 5,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5353% | 1,133 |
| Assets per employee ($millions) | 2.2916% | 6,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 5,184 |
| Loan loss allowance to noncurrent loans | 73.9437% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.5422% | 1,677 |
| Noncurrent loans to loans | 1.3076% | 2,197 |
| Net loans and leases to total assets | 68.6786% | 2,335 |
| Net loans and leases to deposits | 86.4996% | 1,772 |
| Net loans and leases to core deposits | 88.9696% | 2,228 |
| Total domestic deposits to total assets | 79.3976% | 5,193 |
| Equity capital to assets | 12.8508% | 1,481 |
| Core capital (leverage) ratio | 9.7954% | 3,899 |
| Tier 1 risk-based capital ratio | 12.9482% | 4,630 |
| Total risk-based capital ratio | 13.8935% | 4,734 |
| Memoranda: | ||
| Average total assets | $93,170,000 | 4,747 |
| Average earning assets | $76,577,000 | 4,951 |
| Average equity | $11,984,500 | 4,415 |
| Average total loans | $63,797,500 | 4,371 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2027% | 123 |
| Cost of funding earning assets | 0.5627% | 2,122 |
| Net interest margin | 5.6400% | 109 |
| Noninterest income to average assets | 0.5762% | 3,017 |
| Noninterest expense to average assets | 4.5360% | 445 |
| Loan and lease loss provision to assets | 0.0120% | 4,383 |
| Net operating income to assets | 0.5220% | 4,719 |
| Return on assets (ROA) | 0.5220% | 4,809 |
| Pretax return on assets | 0.7903% | 4,294 |
| Return on Equity (ROE) | 3.8562% | 5,179 |
| Retained earnings to average equity (ytd only) | 3.8562% | 3,478 |
| Net charge-offs to loans | -0.0620% | 5,998 |
| Credit loss provision to net charge-offs | -28.5714% | 5,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6102% | 1,330 |
| Assets per employee ($millions) | 2.5663% | 6,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 5,125 |
| Loan loss allowance to noncurrent loans | 59.7868% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 1.7676% | 1,489 |
| Noncurrent loans to loans | 1.6528% | 1,769 |
| Net loans and leases to total assets | 66.9167% | 2,744 |
| Net loans and leases to deposits | 86.7651% | 1,878 |
| Net loans and leases to core deposits | 92.4399% | 2,044 |
| Total domestic deposits to total assets | 77.1240% | 5,578 |
| Equity capital to assets | 12.8755% | 1,427 |
| Core capital (leverage) ratio | 10.1439% | 3,376 |
| Tier 1 risk-based capital ratio | 13.6786% | 4,308 |
| Total risk-based capital ratio | 14.6711% | 4,397 |
| Memoranda: | ||
| Average total assets | $83,135,800 | 4,984 |
| Average earning assets | $70,195,000 | 5,119 |
| Average equity | $11,254,600 | 4,511 |
| Average total loans | $56,484,000 | 4,600 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1459% | 136 |
| Cost of funding earning assets | 0.5423% | 2,356 |
| Net interest margin | 5.6037% | 120 |
| Noninterest income to average assets | 0.5114% | 3,470 |
| Noninterest expense to average assets | 4.5316% | 447 |
| Loan and lease loss provision to assets | 0.0083% | 4,251 |
| Net operating income to assets | 0.5955% | 4,459 |
| Return on assets (ROA) | 0.5955% | 4,550 |
| Pretax return on assets | 0.7275% | 4,599 |
| Return on Equity (ROE) | 4.3384% | 5,023 |
| Retained earnings to average equity (ytd only) | 4.3384% | 3,567 |
| Net charge-offs to loans | -0.1140% | 6,180 |
| Credit loss provision to net charge-offs | -10.6383% | 5,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6561% | 1,215 |
| Assets per employee ($millions) | 2.5210% | 6,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 4,969 |
| Loan loss allowance to noncurrent loans | 49.3281% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 2.0358% | 1,395 |
| Noncurrent loans to loans | 2.1373% | 1,448 |
| Net loans and leases to total assets | 68.3218% | 2,479 |
| Net loans and leases to deposits | 88.9203% | 1,566 |
| Net loans and leases to core deposits | 93.9367% | 1,870 |
| Total domestic deposits to total assets | 76.8349% | 5,703 |
| Equity capital to assets | 13.2194% | 1,320 |
| Core capital (leverage) ratio | 9.7440% | 4,008 |
| Tier 1 risk-based capital ratio | 13.3994% | 4,604 |
| Total risk-based capital ratio | 14.4924% | 4,638 |
| Memoranda: | ||
| Average total assets | $80,823,500 | 5,099 |
| Average earning assets | $68,596,250 | 5,218 |
| Average equity | $11,094,500 | 4,574 |
| Average total loans | $54,995,500 | 4,690 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1580% | 125 |
| Cost of funding earning assets | 0.5261% | 2,574 |
| Net interest margin | 5.6319% | 111 |
| Noninterest income to average assets | 0.4697% | 3,717 |
| Noninterest expense to average assets | 4.5054% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7223% | 3,718 |
| Return on assets (ROA) | 0.7223% | 3,815 |
| Pretax return on assets | 0.7223% | 4,565 |
| Return on Equity (ROE) | 5.1926% | 4,586 |
| Retained earnings to average equity (ytd only) | 5.1926% | 2,836 |
| Net charge-offs to loans | -0.2351% | 6,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7971% | 1,287 |
| Assets per employee ($millions) | 2.5511% | 6,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 4,832 |
| Loan loss allowance to noncurrent loans | 54.1347% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 2.4413% | 1,175 |
| Noncurrent loans to loans | 2.0625% | 1,626 |
| Net loans and leases to total assets | 68.8875% | 2,262 |
| Net loans and leases to deposits | 89.2594% | 1,445 |
| Net loans and leases to core deposits | 94.0481% | 1,773 |
| Total domestic deposits to total assets | 77.1767% | 5,778 |
| Equity capital to assets | 13.7954% | 1,051 |
| Core capital (leverage) ratio | 10.1222% | 3,441 |
| Tier 1 risk-based capital ratio | 13.9165% | 4,309 |
| Total risk-based capital ratio | 15.0838% | 4,320 |
| Memoranda: | ||
| Average total assets | $79,193,000 | 5,175 |
| Average earning assets | $66,904,330 | 5,303 |
| Average equity | $11,015,670 | 4,607 |
| Average total loans | $53,598,670 | 4,759 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9950% | 144 |
| Cost of funding earning assets | 0.5147% | 2,761 |
| Net interest margin | 5.4802% | 132 |
| Noninterest income to average assets | 0.3437% | 4,627 |
| Noninterest expense to average assets | 4.4426% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5438% | 4,484 |
| Return on assets (ROA) | 0.5438% | 4,555 |
| Pretax return on assets | 0.5438% | 5,031 |
| Return on Equity (ROE) | 3.8926% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.8926% | 3,780 |
| Net charge-offs to loans | -0.3310% | 6,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6831% | 1,158 |
| Assets per employee ($millions) | 2.4905% | 6,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 4,891 |
| Loan loss allowance to noncurrent loans | 49.7175% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 2.6669% | 1,149 |
| Noncurrent loans to loans | 2.3059% | 1,545 |
| Net loans and leases to total assets | 68.7987% | 2,093 |
| Net loans and leases to deposits | 86.4124% | 1,543 |
| Net loans and leases to core deposits | 89.9387% | 1,909 |
| Total domestic deposits to total assets | 79.6166% | 5,566 |
| Equity capital to assets | 14.2296% | 852 |
| Core capital (leverage) ratio | 9.9654% | 3,616 |
| Tier 1 risk-based capital ratio | 13.6569% | 4,573 |
| Total risk-based capital ratio | 14.8488% | 4,563 |
| Memoranda: | ||
| Average total assets | $77,971,500 | 5,256 |
| Average earning assets | $66,055,500 | 5,376 |
| Average equity | $10,892,500 | 4,644 |
| Average total loans | $51,962,000 | 4,868 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8426% | 216 |
| Cost of funding earning assets | 0.6222% | 2,463 |
| Net interest margin | 5.2204% | 208 |
| Noninterest income to average assets | 0.4247% | 4,269 |
| Noninterest expense to average assets | 4.7667% | 420 |
| Loan and lease loss provision to assets | -0.1094% | 6,496 |
| Net operating income to assets | 0.2086% | 5,800 |
| Return on assets (ROA) | 0.2645% | 5,722 |
| Pretax return on assets | 0.3153% | 5,689 |
| Return on Equity (ROE) | 1.8755% | 5,884 |
| Retained earnings to average equity (ytd only) | 1.8755% | 4,900 |
| Net charge-offs to loans | -0.1101% | 6,496 |
| Credit loss provision to net charge-offs | 150.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6012% | 609 |
| Assets per employee ($millions) | 2.7151% | 6,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 4,952 |
| Loan loss allowance to noncurrent loans | 39.7222% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 2.9338% | 1,087 |
| Noncurrent loans to loans | 2.8690% | 1,228 |
| Net loans and leases to total assets | 63.0191% | 3,201 |
| Net loans and leases to deposits | 79.0140% | 2,588 |
| Net loans and leases to core deposits | 82.1659% | 2,876 |
| Total domestic deposits to total assets | 79.7569% | 5,503 |
| Equity capital to assets | 13.7151% | 990 |
| Core capital (leverage) ratio | 9.7206% | 3,961 |
| Tier 1 risk-based capital ratio | 13.7103% | 4,514 |
| Total risk-based capital ratio | 14.8458% | 4,530 |
| Memoranda: | ||
| Average total assets | $76,762,200 | 5,311 |
| Average earning assets | $65,895,800 | 5,410 |
| Average equity | $10,823,600 | 4,672 |
| Average total loans | $50,847,800 | 4,933 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8827% | 211 |
| Cost of funding earning assets | 0.6554% | 2,316 |
| Net interest margin | 5.2273% | 207 |
| Noninterest income to average assets | 0.3549% | 4,857 |
| Noninterest expense to average assets | 4.7725% | 411 |
| Loan and lease loss provision to assets | -0.1469% | 6,675 |
| Net operating income to assets | 0.2185% | 5,869 |
| Return on assets (ROA) | 0.3077% | 5,709 |
| Pretax return on assets | 0.3077% | 5,859 |
| Return on Equity (ROE) | 2.1668% | 5,887 |
| Retained earnings to average equity (ytd only) | 2.1668% | 5,015 |
| Net charge-offs to loans | -0.1150% | 6,523 |
| Credit loss provision to net charge-offs | 190.9091% | 1,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9430% | 530 |
| Assets per employee ($millions) | 2.5361% | 6,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 5,449 |
| Loan loss allowance to noncurrent loans | 34.5253% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 3.2662% | 1,081 |
| Noncurrent loans to loans | 3.0947% | 1,286 |
| Net loans and leases to total assets | 68.1528% | 2,270 |
| Net loans and leases to deposits | 80.1013% | 2,398 |
| Net loans and leases to core deposits | 83.5272% | 2,703 |
| Total domestic deposits to total assets | 85.0832% | 3,694 |
| Equity capital to assets | 14.2701% | 887 |
| Core capital (leverage) ratio | 9.9018% | 3,809 |
| Tier 1 risk-based capital ratio | 13.4679% | 4,780 |
| Total risk-based capital ratio | 14.5643% | 4,832 |
| Memoranda: | ||
| Average total assets | $76,268,250 | 5,374 |
| Average earning assets | $65,501,000 | 5,473 |
| Average equity | $10,829,750 | 4,725 |
| Average total loans | $51,011,750 | 4,971 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7642% | 252 |
| Cost of funding earning assets | 0.6988% | 2,068 |
| Net interest margin | 5.0654% | 279 |
| Noninterest income to average assets | 0.2306% | 5,796 |
| Noninterest expense to average assets | 4.8500% | 399 |
| Loan and lease loss provision to assets | -0.2201% | 6,793 |
| Net operating income to assets | -0.0498% | 6,357 |
| Return on assets (ROA) | 0.0838% | 6,253 |
| Pretax return on assets | 0.0838% | 6,255 |
| Return on Equity (ROE) | 0.5915% | 6,289 |
| Retained earnings to average equity (ytd only) | 0.5915% | 5,662 |
| Net charge-offs to loans | -0.1227% | 6,556 |
| Credit loss provision to net charge-offs | 270.9677% | 936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2059% | 361 |
| Assets per employee ($millions) | 2.3130% | 6,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 5,528 |
| Loan loss allowance to noncurrent loans | 32.0445% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 3.4642% | 1,117 |
| Noncurrent loans to loans | 3.3651% | 1,281 |
| Net loans and leases to total assets | 67.7971% | 2,288 |
| Net loans and leases to deposits | 79.5902% | 2,386 |
| Net loans and leases to core deposits | 83.4359% | 2,634 |
| Total domestic deposits to total assets | 85.1827% | 3,808 |
| Equity capital to assets | 14.3633% | 857 |
| Core capital (leverage) ratio | 9.4470% | 4,327 |
| Tier 1 risk-based capital ratio | 13.7842% | 4,582 |
| Total risk-based capital ratio | 14.9112% | 4,624 |
| Memoranda: | ||
| Average total assets | $76,330,330 | 5,408 |
| Average earning assets | $65,542,330 | 5,508 |
| Average equity | $10,820,670 | 4,761 |
| Average total loans | $50,545,000 | 5,003 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5649% | 334 |
| Cost of funding earning assets | 0.7400% | 1,925 |
| Net interest margin | 4.8249% | 384 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 4.9195% | 390 |
| Loan and lease loss provision to assets | -0.2788% | 6,919 |
| Net operating income to assets | -0.5007% | 6,669 |
| Return on assets (ROA) | -0.2375% | 6,571 |
| Pretax return on assets | -0.2375% | 6,561 |
| Return on Equity (ROE) | -1.6857% | 6,545 |
| Retained earnings to average equity (ytd only) | -1.6857% | 6,043 |
| Net charge-offs to loans | -0.0951% | 6,422 |
| Credit loss provision to net charge-offs | 450.0000% | 585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.8304% | 232 |
| Assets per employee ($millions) | 2.3528% | 6,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 5,592 |
| Loan loss allowance to noncurrent loans | 30.0971% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 3.6669% | 1,135 |
| Noncurrent loans to loans | 3.6690% | 1,291 |
| Net loans and leases to total assets | 64.3642% | 2,637 |
| Net loans and leases to deposits | 75.0548% | 2,766 |
| Net loans and leases to core deposits | 78.5270% | 2,989 |
| Total domestic deposits to total assets | 85.7562% | 3,659 |
| Equity capital to assets | 13.9720% | 1,033 |
| Core capital (leverage) ratio | 9.1857% | 4,589 |
| Tier 1 risk-based capital ratio | 13.7503% | 4,693 |
| Total risk-based capital ratio | 14.8857% | 4,737 |
| Memoranda: | ||
| Average total assets | $77,488,000 | 5,428 |
| Average earning assets | $66,488,000 | 5,529 |
| Average equity | $10,915,500 | 4,784 |
| Average total loans | $50,454,000 | 5,038 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1091% | 230 |
| Cost of funding earning assets | 0.8834% | 2,050 |
| Net interest margin | 5.2258% | 261 |
| Noninterest income to average assets | 0.4744% | 4,069 |
| Noninterest expense to average assets | 4.8961% | 410 |
| Loan and lease loss provision to assets | -0.0207% | 6,834 |
| Net operating income to assets | 0.0414% | 6,097 |
| Return on assets (ROA) | 0.1099% | 6,135 |
| Pretax return on assets | 0.1099% | 6,146 |
| Return on Equity (ROE) | 0.7776% | 6,172 |
| Retained earnings to average equity (ytd only) | 0.7776% | 5,473 |
| Net charge-offs to loans | -0.1817% | 6,926 |
| Credit loss provision to net charge-offs | 17.2043% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6067% | 606 |
| Assets per employee ($millions) | 2.2746% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 5,154 |
| Loan loss allowance to noncurrent loans | 29.0557% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 4.5788% | 900 |
| Noncurrent loans to loans | 4.0991% | 1,130 |
| Net loans and leases to total assets | 64.3654% | 2,833 |
| Net loans and leases to deposits | 75.2077% | 2,922 |
| Net loans and leases to core deposits | 78.1674% | 3,235 |
| Total domestic deposits to total assets | 85.5835% | 3,571 |
| Equity capital to assets | 14.2018% | 969 |
| Core capital (leverage) ratio | 9.3243% | 4,371 |
| Tier 1 risk-based capital ratio | 14.0099% | 4,376 |
| Total risk-based capital ratio | 15.2384% | 4,354 |
| Memoranda: | ||
| Average total assets | $77,367,200 | 5,420 |
| Average earning assets | $65,770,200 | 5,559 |
| Average equity | $10,930,400 | 4,774 |
| Average total loans | $51,175,000 | 5,059 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1604% | 229 |
| Cost of funding earning assets | 0.9090% | 2,112 |
| Net interest margin | 5.2514% | 271 |
| Noninterest income to average assets | 0.4049% | 4,597 |
| Noninterest expense to average assets | 4.8266% | 413 |
| Loan and lease loss provision to assets | -0.0276% | 6,970 |
| Net operating income to assets | 0.0655% | 6,185 |
| Return on assets (ROA) | 0.1344% | 6,208 |
| Pretax return on assets | 0.1344% | 6,224 |
| Return on Equity (ROE) | 0.9526% | 6,259 |
| Retained earnings to average equity (ytd only) | 0.9526% | 5,789 |
| Net charge-offs to loans | -0.2102% | 7,000 |
| Credit loss provision to net charge-offs | 19.7531% | 4,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1934% | 598 |
| Assets per employee ($millions) | 2.2743% | 6,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 5,537 |
| Loan loss allowance to noncurrent loans | 24.5307% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 5.1729% | 847 |
| Noncurrent loans to loans | 4.6675% | 1,002 |
| Net loans and leases to total assets | 65.6532% | 2,717 |
| Net loans and leases to deposits | 76.9314% | 2,828 |
| Net loans and leases to core deposits | 80.8070% | 3,108 |
| Total domestic deposits to total assets | 85.3400% | 3,595 |
| Equity capital to assets | 14.2526% | 1,060 |
| Core capital (leverage) ratio | 9.3142% | 4,559 |
| Tier 1 risk-based capital ratio | 13.5543% | 4,847 |
| Total risk-based capital ratio | 14.7180% | 4,859 |
| Memoranda: | ||
| Average total assets | $77,375,250 | 5,478 |
| Average earning assets | $65,708,250 | 5,624 |
| Average equity | $10,917,250 | 4,823 |
| Average total loans | $51,374,500 | 5,111 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2596% | 196 |
| Cost of funding earning assets | 0.9344% | 2,150 |
| Net interest margin | 5.3252% | 234 |
| Noninterest income to average assets | 0.4497% | 4,291 |
| Noninterest expense to average assets | 4.7990% | 429 |
| Loan and lease loss provision to assets | 0.2171% | 2,903 |
| Net operating income to assets | -0.0594% | 6,392 |
| Return on assets (ROA) | 0.0439% | 6,404 |
| Pretax return on assets | 0.0439% | 6,397 |
| Return on Equity (ROE) | 0.3124% | 6,421 |
| Retained earnings to average equity (ytd only) | 0.3124% | 5,941 |
| Net charge-offs to loans | 0.0778% | 4,370 |
| Credit loss provision to net charge-offs | 420.0000% | 705 |
| Earnings coverage of net charge-offs (x) | 3.0500% | 3,527 |
| Efficiency ratio | 95.7247% | 713 |
| Assets per employee ($millions) | 2.2136% | 6,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 5,635 |
| Loan loss allowance to noncurrent loans | 23.8618% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 5.6714% | 770 |
| Noncurrent loans to loans | 4.7477% | 1,073 |
| Net loans and leases to total assets | 66.1203% | 2,646 |
| Net loans and leases to deposits | 77.1936% | 2,803 |
| Net loans and leases to core deposits | 81.4293% | 3,032 |
| Total domestic deposits to total assets | 85.6551% | 3,530 |
| Equity capital to assets | 14.0829% | 1,062 |
| Core capital (leverage) ratio | 9.1731% | 4,649 |
| Tier 1 risk-based capital ratio | 12.9255% | 5,235 |
| Total risk-based capital ratio | 14.0487% | 5,314 |
| Memoranda: | ||
| Average total assets | $77,391,670 | 5,510 |
| Average earning assets | $65,499,670 | 5,661 |
| Average equity | $10,882,670 | 4,836 |
| Average total loans | $51,381,000 | 5,133 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3798% | 186 |
| Cost of funding earning assets | 0.9679% | 2,178 |
| Net interest margin | 5.4119% | 212 |
| Noninterest income to average assets | 0.3879% | 4,763 |
| Noninterest expense to average assets | 4.7577% | 439 |
| Loan and lease loss provision to assets | 0.4344% | 1,442 |
| Net operating income to assets | -0.2069% | 6,647 |
| Return on assets (ROA) | -0.2069% | 6,693 |
| Pretax return on assets | -0.2069% | 6,667 |
| Return on Equity (ROE) | -1.4721% | 6,651 |
| Retained earnings to average equity (ytd only) | -1.4721% | 6,214 |
| Net charge-offs to loans | 0.6489% | 1,506 |
| Credit loss provision to net charge-offs | 101.2048% | 2,273 |
| Earnings coverage of net charge-offs (x) | 0.5301% | 4,074 |
| Efficiency ratio | 94.1909% | 810 |
| Assets per employee ($millions) | 2.2955% | 6,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 6,120 |
| Loan loss allowance to noncurrent loans | 20.7592% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 6.2835% | 726 |
| Noncurrent loans to loans | 5.0062% | 1,118 |
| Net loans and leases to total assets | 64.0545% | 2,840 |
| Net loans and leases to deposits | 74.5459% | 3,037 |
| Net loans and leases to core deposits | 79.1288% | 3,164 |
| Total domestic deposits to total assets | 85.9262% | 3,572 |
| Equity capital to assets | 13.9085% | 1,052 |
| Core capital (leverage) ratio | 9.1274% | 4,644 |
| Tier 1 risk-based capital ratio | 12.9238% | 5,264 |
| Total risk-based capital ratio | 13.9380% | 5,420 |
| Memoranda: | ||
| Average total assets | $77,349,000 | 5,551 |
| Average earning assets | $65,707,000 | 5,694 |
| Average equity | $10,868,500 | 4,847 |
| Average total loans | $51,164,000 | 5,177 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2823% | 264 |
| Cost of funding earning assets | 1.0774% | 2,823 |
| Net interest margin | 5.2050% | 283 |
| Noninterest income to average assets | 0.3978% | 4,632 |
| Noninterest expense to average assets | 4.8537% | 434 |
| Loan and lease loss provision to assets | 0.0626% | 5,825 |
| Net operating income to assets | -0.1135% | 6,178 |
| Return on assets (ROA) | 0.0535% | 6,065 |
| Pretax return on assets | 0.0535% | 6,043 |
| Return on Equity (ROE) | 0.3927% | 6,088 |
| Retained earnings to average equity (ytd only) | 0.3927% | 5,652 |
| Net charge-offs to loans | 0.2380% | 4,289 |
| Credit loss provision to net charge-offs | 38.7097% | 5,650 |
| Earnings coverage of net charge-offs (x) | -0.3145% | 6,011 |
| Efficiency ratio | 99.6198% | 686 |
| Assets per employee ($millions) | 2.3228% | 6,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 6,163 |
| Loan loss allowance to noncurrent loans | 21.9430% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 5.4089% | 955 |
| Noncurrent loans to loans | 4.6091% | 1,288 |
| Net loans and leases to total assets | 66.9089% | 2,607 |
| Net loans and leases to deposits | 78.1719% | 2,812 |
| Net loans and leases to core deposits | 83.0841% | 3,010 |
| Total domestic deposits to total assets | 85.5920% | 3,542 |
| Equity capital to assets | 14.1966% | 1,006 |
| Core capital (leverage) ratio | 9.1860% | 4,485 |
| Tier 1 risk-based capital ratio | 13.0586% | 5,017 |
| Total risk-based capital ratio | 14.0786% | 5,196 |
| Memoranda: | ||
| Average total assets | $76,663,400 | 5,549 |
| Average earning assets | $64,880,200 | 5,706 |
| Average equity | $10,440,400 | 4,916 |
| Average total loans | $52,096,000 | 5,186 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2959% | 272 |
| Cost of funding earning assets | 1.0936% | 3,025 |
| Net interest margin | 5.2023% | 288 |
| Noninterest income to average assets | 0.3356% | 5,172 |
| Noninterest expense to average assets | 4.9321% | 399 |
| Loan and lease loss provision to assets | 0.0139% | 6,259 |
| Net operating income to assets | -0.2174% | 6,400 |
| Return on assets (ROA) | -0.0278% | 6,293 |
| Pretax return on assets | -0.0278% | 6,259 |
| Return on Equity (ROE) | -0.2065% | 6,288 |
| Retained earnings to average equity (ytd only) | -0.2065% | 6,009 |
| Net charge-offs to loans | 0.3501% | 3,345 |
| Credit loss provision to net charge-offs | 5.8394% | 5,700 |
| Earnings coverage of net charge-offs (x) | -0.8540% | 5,912 |
| Efficiency ratio | 102.7951% | 585 |
| Assets per employee ($millions) | 2.4303% | 6,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 6,512 |
| Loan loss allowance to noncurrent loans | 58.3643% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 4.3371% | 1,393 |
| Noncurrent loans to loans | 1.5945% | 3,903 |
| Net loans and leases to total assets | 64.4709% | 3,212 |
| Net loans and leases to deposits | 75.2070% | 3,474 |
| Net loans and leases to core deposits | 79.8430% | 3,661 |
| Total domestic deposits to total assets | 85.7246% | 3,364 |
| Equity capital to assets | 13.9578% | 1,169 |
| Core capital (leverage) ratio | 9.2654% | 4,516 |
| Tier 1 risk-based capital ratio | 12.9097% | 5,162 |
| Total risk-based capital ratio | 13.8249% | 5,414 |
| Memoranda: | ||
| Average total assets | $76,666,250 | 5,590 |
| Average earning assets | $64,739,250 | 5,750 |
| Average equity | $10,330,000 | 4,952 |
| Average total loans | $52,167,250 | 5,227 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3678% | 248 |
| Cost of funding earning assets | 1.1126% | 3,150 |
| Net interest margin | 5.2552% | 257 |
| Noninterest income to average assets | 0.4378% | 4,361 |
| Noninterest expense to average assets | 5.0171% | 365 |
| Loan and lease loss provision to assets | 0.0210% | 6,023 |
| Net operating income to assets | -0.1678% | 6,438 |
| Return on assets (ROA) | 0.0052% | 6,295 |
| Pretax return on assets | 0.0052% | 6,263 |
| Return on Equity (ROE) | 0.0394% | 6,295 |
| Retained earnings to average equity (ytd only) | 0.0394% | 5,819 |
| Net charge-offs to loans | 0.3568% | 3,129 |
| Credit loss provision to net charge-offs | 8.5106% | 5,262 |
| Earnings coverage of net charge-offs (x) | -0.5957% | 5,553 |
| Efficiency ratio | 101.5608% | 677 |
| Assets per employee ($millions) | 2.3462% | 7,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 6,260 |
| Loan loss allowance to noncurrent loans | 66.7964% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 4.7124% | 1,323 |
| Noncurrent loans to loans | 1.5234% | 4,139 |
| Net loans and leases to total assets | 66.7244% | 2,879 |
| Net loans and leases to deposits | 78.0239% | 3,115 |
| Net loans and leases to core deposits | 82.3230% | 3,454 |
| Total domestic deposits to total assets | 85.5179% | 3,615 |
| Equity capital to assets | 14.3542% | 982 |
| Core capital (leverage) ratio | 9.0282% | 4,675 |
| Tier 1 risk-based capital ratio | 12.6460% | 5,223 |
| Total risk-based capital ratio | 13.6418% | 5,425 |
| Memoranda: | ||
| Average total assets | $76,298,330 | 5,644 |
| Average earning assets | $64,355,330 | 5,810 |
| Average equity | $10,155,000 | 5,008 |
| Average total loans | $52,686,330 | 5,255 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4596% | 225 |
| Cost of funding earning assets | 1.1175% | 3,401 |
| Net interest margin | 5.3421% | 211 |
| Noninterest income to average assets | 0.3329% | 5,239 |
| Noninterest expense to average assets | 4.9514% | 381 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0936% | 6,452 |
| Return on assets (ROA) | -0.0936% | 6,471 |
| Pretax return on assets | -0.0936% | 6,441 |
| Return on Equity (ROE) | -0.7314% | 6,453 |
| Retained earnings to average equity (ytd only) | -0.7314% | 5,930 |
| Net charge-offs to loans | -0.4988% | 7,410 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2141% | 737 |
| Assets per employee ($millions) | 2.4932% | 6,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 5,168 |
| Loan loss allowance to noncurrent loans | 74.5536% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 4.2218% | 1,561 |
| Noncurrent loans to loans | 1.7334% | 3,907 |
| Net loans and leases to total assets | 66.0124% | 3,003 |
| Net loans and leases to deposits | 76.4646% | 3,344 |
| Net loans and leases to core deposits | 80.5103% | 3,664 |
| Total domestic deposits to total assets | 86.3307% | 3,323 |
| Equity capital to assets | 13.6020% | 1,148 |
| Core capital (leverage) ratio | 8.7602% | 4,984 |
| Tier 1 risk-based capital ratio | 12.1655% | 5,536 |
| Total risk-based capital ratio | 13.4170% | 5,532 |
| Memoranda: | ||
| Average total assets | $76,908,000 | 5,673 |
| Average earning assets | $65,143,000 | 5,824 |
| Average equity | $9,844,000 | 5,084 |
| Average total loans | $53,724,000 | 5,268 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5754% | 289 |
| Cost of funding earning assets | 1.4732% | 2,800 |
| Net interest margin | 5.1022% | 351 |
| Noninterest income to average assets | 0.6048% | 3,444 |
| Noninterest expense to average assets | 5.3598% | 329 |
| Loan and lease loss provision to assets | 0.7435% | 2,206 |
| Net operating income to assets | -1.1359% | 6,756 |
| Return on assets (ROA) | -1.1272% | 6,776 |
| Pretax return on assets | -1.1272% | 6,710 |
| Return on Equity (ROE) | -9.3255% | 6,700 |
| Retained earnings to average equity (ytd only) | -9.3255% | 6,625 |
| Net charge-offs to loans | 0.3999% | 4,036 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | -1.3193% | 6,653 |
| Efficiency ratio | 106.2642% | 620 |
| Assets per employee ($millions) | 2.3190% | 7,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 6,033 |
| Loan loss allowance to noncurrent loans | 68.2179% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 4.2469% | 1,571 |
| Noncurrent loans to loans | 1.5800% | 4,132 |
| Net loans and leases to total assets | 72.0775% | 2,089 |
| Net loans and leases to deposits | 81.9523% | 2,818 |
| Net loans and leases to core deposits | 87.3790% | 3,137 |
| Total domestic deposits to total assets | 87.9505% | 2,278 |
| Equity capital to assets | 11.9894% | 1,920 |
| Core capital (leverage) ratio | 6.8936% | 7,072 |
| Tier 1 risk-based capital ratio | 9.0745% | 7,231 |
| Total risk-based capital ratio | 10.1712% | 7,261 |
| Memoranda: | ||
| Average total assets | $80,022,200 | 5,592 |
| Average earning assets | $68,421,800 | 5,720 |
| Average equity | $9,672,400 | 5,219 |
| Average total loans | $59,516,600 | 5,093 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6331% | 266 |
| Cost of funding earning assets | 1.5515% | 2,669 |
| Net interest margin | 5.0817% | 373 |
| Noninterest income to average assets | 0.6692% | 3,017 |
| Noninterest expense to average assets | 5.1109% | 348 |
| Loan and lease loss provision to assets | 0.9230% | 1,630 |
| Net operating income to assets | -1.0136% | 6,910 |
| Return on assets (ROA) | -1.0021% | 6,949 |
| Pretax return on assets | -1.0021% | 6,867 |
| Return on Equity (ROE) | -8.2747% | 6,850 |
| Retained earnings to average equity (ytd only) | -8.2747% | 6,788 |
| Net charge-offs to loans | 0.3904% | 3,725 |
| Credit loss provision to net charge-offs | 316.3842% | 994 |
| Earnings coverage of net charge-offs (x) | -0.3107% | 6,253 |
| Efficiency ratio | 100.2298% | 735 |
| Assets per employee ($millions) | 2.3403% | 7,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 5,937 |
| Loan loss allowance to noncurrent loans | 41.7891% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 3.8832% | 1,821 |
| Noncurrent loans to loans | 2.6334% | 2,989 |
| Net loans and leases to total assets | 72.8438% | 2,047 |
| Net loans and leases to deposits | 83.2145% | 2,864 |
| Net loans and leases to core deposits | 88.6889% | 3,286 |
| Total domestic deposits to total assets | 87.5374% | 2,240 |
| Equity capital to assets | 12.3163% | 1,961 |
| Core capital (leverage) ratio | 7.1694% | 7,074 |
| Tier 1 risk-based capital ratio | 9.7189% | 7,180 |
| Total risk-based capital ratio | 10.8727% | 7,209 |
| Memoranda: | ||
| Average total assets | $80,896,250 | 5,640 |
| Average earning assets | $69,266,500 | 5,762 |
| Average equity | $9,796,750 | 5,257 |
| Average total loans | $60,456,000 | 5,128 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6262% | 277 |
| Cost of funding earning assets | 1.6566% | 2,351 |
| Net interest margin | 4.9697% | 452 |
| Noninterest income to average assets | 0.6357% | 3,093 |
| Noninterest expense to average assets | 4.9928% | 379 |
| Loan and lease loss provision to assets | 1.2908% | 1,069 |
| Net operating income to assets | -1.4029% | 7,122 |
| Return on assets (ROA) | -1.3882% | 7,126 |
| Pretax return on assets | -1.3882% | 7,044 |
| Return on Equity (ROE) | -11.5248% | 7,021 |
| Retained earnings to average equity (ytd only) | -11.5248% | 6,978 |
| Net charge-offs to loans | 0.5353% | 2,923 |
| Credit loss provision to net charge-offs | 321.2121% | 1,142 |
| Earnings coverage of net charge-offs (x) | -0.2788% | 5,920 |
| Efficiency ratio | 100.6986% | 783 |
| Assets per employee ($millions) | 2.3272% | 7,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 6,283 |
| Loan loss allowance to noncurrent loans | 21.6111% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 4.3476% | 1,532 |
| Noncurrent loans to loans | 4.7565% | 1,488 |
| Net loans and leases to total assets | 74.1065% | 1,889 |
| Net loans and leases to deposits | 84.4060% | 2,799 |
| Net loans and leases to core deposits | 89.7893% | 3,307 |
| Total domestic deposits to total assets | 87.7976% | 2,107 |
| Equity capital to assets | 12.0469% | 2,073 |
| Core capital (leverage) ratio | 6.9685% | 7,212 |
| Tier 1 risk-based capital ratio | 9.3009% | 7,336 |
| Total risk-based capital ratio | 10.3722% | 7,393 |
| Memoranda: | ||
| Average total assets | $82,118,000 | 5,624 |
| Average earning assets | $70,145,330 | 5,767 |
| Average equity | $9,891,670 | 5,233 |
| Average total loans | $61,646,670 | 5,109 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2855% | 545 |
| Cost of funding earning assets | 1.7911% | 1,914 |
| Net interest margin | 4.4944% | 1,159 |
| Noninterest income to average assets | 0.6602% | 2,878 |
| Noninterest expense to average assets | 4.7743% | 450 |
| Loan and lease loss provision to assets | 0.0957% | 5,675 |
| Net operating income to assets | -0.2966% | 6,663 |
| Return on assets (ROA) | -0.2966% | 6,719 |
| Pretax return on assets | -0.2966% | 6,636 |
| Return on Equity (ROE) | -2.4624% | 6,686 |
| Retained earnings to average equity (ytd only) | -2.4624% | 6,283 |
| Net charge-offs to loans | -0.0827% | 7,484 |
| Credit loss provision to net charge-offs | -153.8462% | 6,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7197% | 766 |
| Assets per employee ($millions) | 2.3097% | 7,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4491% | 7,646 |
| Loan loss allowance to noncurrent loans | 10.3320% | 7,327 |
| Noncurrent assets plus other real estate owned to assets | 3.9724% | 1,732 |
| Noncurrent loans to loans | 4.3467% | 1,740 |
| Net loans and leases to total assets | 73.8466% | 2,006 |
| Net loans and leases to deposits | 84.1319% | 2,918 |
| Net loans and leases to core deposits | 89.2549% | 3,463 |
| Total domestic deposits to total assets | 87.7748% | 2,196 |
| Equity capital to assets | 12.0664% | 2,010 |
| Core capital (leverage) ratio | 7.5762% | 6,768 |
| Tier 1 risk-based capital ratio | 10.2368% | 6,860 |
| Total risk-based capital ratio | 10.7049% | 7,323 |
| Memoranda: | ||
| Average total assets | $83,615,000 | 5,645 |
| Average earning assets | $72,802,500 | 5,751 |
| Average equity | $10,071,500 | 5,218 |
| Average total loans | $62,847,500 | 5,141 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2053% | 207 |
| Cost of funding earning assets | 2.0898% | 2,517 |
| Net interest margin | 5.1155% | 350 |
| Noninterest income to average assets | 0.4798% | 4,570 |
| Noninterest expense to average assets | 5.0601% | 496 |
| Loan and lease loss provision to assets | 0.4956% | 3,893 |
| Net operating income to assets | -0.4102% | 6,089 |
| Return on assets (ROA) | -0.4102% | 6,086 |
| Pretax return on assets | -0.6324% | 6,126 |
| Return on Equity (ROE) | -3.2352% | 6,019 |
| Retained earnings to average equity (ytd only) | -4.0633% | 5,879 |
| Net charge-offs to loans | 0.8508% | 2,698 |
| Credit loss provision to net charge-offs | 75.1852% | 6,389 |
| Earnings coverage of net charge-offs (x) | -0.2074% | 6,455 |
| Efficiency ratio | 101.1902% | 1,046 |
| Assets per employee ($millions) | 2.4023% | 7,348 |
| Cash dividends to net income (ytd only)* | -25.5952% | 7,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3796% | 7,774 |
| Loan loss allowance to noncurrent loans | 10.8337% | 7,356 |
| Noncurrent assets plus other real estate owned to assets | 4.4183% | 1,468 |
| Noncurrent loans to loans | 3.5038% | 2,168 |
| Net loans and leases to total assets | 75.8462% | 1,842 |
| Net loans and leases to deposits | 86.3665% | 2,848 |
| Net loans and leases to core deposits | 121.8530% | 1,791 |
| Total domestic deposits to total assets | 87.8190% | 2,066 |
| Equity capital to assets | 12.0240% | 2,026 |
| Core capital (leverage) ratio | 7.5667% | 6,722 |
| Tier 1 risk-based capital ratio | 9.7230% | 7,082 |
| Total risk-based capital ratio | 10.1096% | 7,544 |
| Memoranda: | ||
| Average total assets | $81,914,800 | 5,671 |
| Average earning assets | $71,156,400 | 5,776 |
| Average equity | $10,385,600 | 5,196 |
| Average total loans | $63,473,200 | 5,119 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2566% | 208 |
| Cost of funding earning assets | 2.1585% | 2,607 |
| Net interest margin | 5.0981% | 366 |
| Noninterest income to average assets | 0.5145% | 4,371 |
| Noninterest expense to average assets | 4.9925% | 491 |
| Loan and lease loss provision to assets | 0.0983% | 6,385 |
| Net operating income to assets | -0.1491% | 5,984 |
| Return on assets (ROA) | -0.1491% | 5,998 |
| Pretax return on assets | -0.1491% | 5,909 |
| Return on Equity (ROE) | -1.1606% | 5,962 |
| Retained earnings to average equity (ytd only) | -2.2573% | 5,770 |
| Net charge-offs to loans | 0.5978% | 2,885 |
| Credit loss provision to net charge-offs | 21.1268% | 6,563 |
| Earnings coverage of net charge-offs (x) | -0.1091% | 6,195 |
| Efficiency ratio | 99.4363% | 1,087 |
| Assets per employee ($millions) | 2.3007% | 7,501 |
| Cash dividends to net income (ytd only)* | -94.5026% | 7,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2373% | 7,951 |
| Loan loss allowance to noncurrent loans | 7.2000% | 7,489 |
| Noncurrent assets plus other real estate owned to assets | 4.5119% | 1,355 |
| Noncurrent loans to loans | 3.2957% | 2,290 |
| Net loans and leases to total assets | 77.6637% | 1,641 |
| Net loans and leases to deposits | 89.0053% | 2,779 |
| Net loans and leases to core deposits | 127.3535% | 1,634 |
| Total domestic deposits to total assets | 87.2575% | 2,046 |
| Equity capital to assets | 12.4926% | 1,960 |
| Core capital (leverage) ratio | 7.8259% | 6,583 |
| Tier 1 risk-based capital ratio | 9.7989% | 7,140 |
| Total risk-based capital ratio | 10.0389% | 7,717 |
| Memoranda: | ||
| Average total assets | $81,373,000 | 5,719 |
| Average earning assets | $70,665,000 | 5,824 |
| Average equity | $10,454,500 | 5,218 |
| Average total loans | $63,337,500 | 5,158 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0398% | 299 |
| Cost of funding earning assets | 2.2200% | 2,704 |
| Net interest margin | 4.8199% | 633 |
| Noninterest income to average assets | 0.3981% | 5,312 |
| Noninterest expense to average assets | 4.9055% | 551 |
| Loan and lease loss provision to assets | 0.0371% | 6,867 |
| Net operating income to assets | -0.3412% | 6,379 |
| Return on assets (ROA) | -0.3412% | 6,393 |
| Pretax return on assets | -0.3412% | 6,275 |
| Return on Equity (ROE) | -2.6310% | 6,316 |
| Retained earnings to average equity (ytd only) | -4.0037% | 6,141 |
| Net charge-offs to loans | 0.0286% | 6,076 |
| Credit loss provision to net charge-offs | 166.6667% | 2,750 |
| Earnings coverage of net charge-offs (x) | -13.6667% | 6,544 |
| Efficiency ratio | 104.8898% | 1,001 |
| Assets per employee ($millions) | 2.3221% | 7,522 |
| Cash dividends to net income (ytd only)* | -52.1739% | 8,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5951% | 7,638 |
| Loan loss allowance to noncurrent loans | 17.1812% | 7,271 |
| Noncurrent assets plus other real estate owned to assets | 4.9596% | 1,075 |
| Noncurrent loans to loans | 3.4638% | 2,030 |
| Net loans and leases to total assets | 76.7271% | 2,008 |
| Net loans and leases to deposits | 87.9461% | 3,186 |
| Net loans and leases to core deposits | 126.2598% | 1,845 |
| Total domestic deposits to total assets | 87.2433% | 2,128 |
| Equity capital to assets | 12.4684% | 1,938 |
| Core capital (leverage) ratio | 7.8351% | 6,570 |
| Tier 1 risk-based capital ratio | 9.5111% | 7,380 |
| Total risk-based capital ratio | 10.1011% | 7,809 |
| Memoranda: | ||
| Average total assets | $80,889,000 | 5,766 |
| Average earning assets | $70,541,330 | 5,867 |
| Average equity | $10,490,330 | 5,218 |
| Average total loans | $62,957,330 | 5,213 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0878% | 290 |
| Cost of funding earning assets | 2.3048% | 2,675 |
| Net interest margin | 4.7830% | 633 |
| Noninterest income to average assets | 0.4727% | 4,570 |
| Noninterest expense to average assets | 4.9085% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.2716% | 6,650 |
| Return on assets (ROA) | -0.2716% | 6,724 |
| Pretax return on assets | -0.2716% | 6,642 |
| Return on Equity (ROE) | -2.0525% | 6,664 |
| Retained earnings to average equity (ytd only) | -3.8008% | 6,402 |
| Net charge-offs to loans | 0.0515% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -6.7500% | 5,591 |
| Efficiency ratio | 104.1215% | 982 |
| Assets per employee ($millions) | 2.0670% | 7,842 |
| Cash dividends to net income (ytd only)* | -85.1852% | 8,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5788% | 7,705 |
| Loan loss allowance to noncurrent loans | 14.7600% | 7,405 |
| Noncurrent assets plus other real estate owned to assets | 5.7040% | 727 |
| Noncurrent loans to loans | 3.9211% | 1,553 |
| Net loans and leases to total assets | 76.6688% | 2,121 |
| Net loans and leases to deposits | 88.1468% | 3,268 |
| Net loans and leases to core deposits | 128.6930% | 1,733 |
| Total domestic deposits to total assets | 86.9786% | 2,231 |
| Equity capital to assets | 12.7360% | 1,866 |
| Core capital (leverage) ratio | 8.2734% | 5,953 |
| Tier 1 risk-based capital ratio | 9.8210% | 7,118 |
| Total risk-based capital ratio | 10.3884% | 7,716 |
| Memoranda: | ||
| Average total assets | $79,536,000 | 5,842 |
| Average earning assets | $69,245,500 | 5,938 |
| Average equity | $10,524,000 | 5,233 |
| Average total loans | $62,174,000 | 5,281 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9303% | 210 |
| Cost of funding earning assets | 2.4687% | 4,371 |
| Net interest margin | 5.4617% | 217 |
| Noninterest income to average assets | 0.8300% | 2,347 |
| Noninterest expense to average assets | 5.3848% | 532 |
| Loan and lease loss provision to assets | 0.1558% | 5,369 |
| Net operating income to assets | 0.1571% | 5,966 |
| Return on assets (ROA) | 0.2860% | 5,399 |
| Pretax return on assets | 0.2860% | 5,538 |
| Return on Equity (ROE) | 2.0837% | 5,591 |
| Retained earnings to average equity (ytd only) | -0.0372% | 5,272 |
| Net charge-offs to loans | 0.2232% | 3,996 |
| Credit loss provision to net charge-offs | 92.4242% | 5,618 |
| Earnings coverage of net charge-offs (x) | 1.8561% | 5,142 |
| Efficiency ratio | 93.0749% | 1,320 |
| Assets per employee ($millions) | 1.9098% | 7,980 |
| Cash dividends to net income (ytd only)* | 101.7857% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6222% | 7,630 |
| Loan loss allowance to noncurrent loans | 15.8603% | 7,370 |
| Noncurrent assets plus other real estate owned to assets | 4.5070% | 830 |
| Noncurrent loans to loans | 3.9231% | 1,256 |
| Net loans and leases to total assets | 78.8200% | 1,927 |
| Net loans and leases to deposits | 91.7573% | 3,182 |
| Net loans and leases to core deposits | 129.0906% | 1,922 |
| Total domestic deposits to total assets | 85.9005% | 2,448 |
| Equity capital to assets | 13.7683% | 1,509 |
| Core capital (leverage) ratio | 8.6468% | 5,291 |
| Tier 1 risk-based capital ratio | 10.5009% | 6,209 |
| Total risk-based capital ratio | 11.1230% | 6,765 |
| Memoranda: | ||
| Average total assets | $78,312,800 | 5,758 |
| Average earning assets | $69,795,200 | 5,826 |
| Average equity | $10,750,200 | 5,195 |
| Average total loans | $59,140,800 | 5,307 |