Home > Brunswick Bank and Trust Company > Performance and Condition Ratios
Brunswick Bank and Trust Company, Performance and Condition Ratios
| 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 | 5.0572% | 1,133 |
| Cost of funding earning assets | 1.8015% | 451 |
| Net interest margin | 3.2557% | 2,975 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.3752% | 2,600 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 0.5126% | 3,867 |
| Return on assets (ROA) | 0.5126% | 3,830 |
| Pretax return on assets | 0.6666% | 3,724 |
| Return on Equity (ROE) | 4.7200% | 3,929 |
| Retained earnings to average equity (ytd only) | 4.7219% | 3,082 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.4398% | 1,501 |
| Assets per employee ($millions) | 9.5327% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 3,536 |
| Loan loss allowance to noncurrent loans | 177.8240% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 1,112 |
| Noncurrent loans to loans | 0.5606% | 1,321 |
| Net loans and leases to total assets | 80.8800% | 467 |
| Net loans and leases to deposits | 118.4893% | 94 |
| Net loans and leases to core deposits | 142.8639% | 166 |
| Total domestic deposits to total assets | 68.2600% | 4,455 |
| Equity capital to assets | 10.6371% | 1,496 |
| Core capital (leverage) ratio | 11.8357% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6071% | 2,135 |
| Memoranda: | ||
| Average total assets | $405,020,500 | 2,026 |
| Average earning assets | $368,583,500 | 2,044 |
| Average equity | $43,965,000 | 1,766 |
| Average total loans | $329,833,500 | 1,685 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 696 |
| Cost of funding earning assets | 0.6456% | 734 |
| Net interest margin | 3.8732% | 1,020 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.2313% | 2,941 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0667% | 2,313 |
| Return on assets (ROA) | 1.0667% | 2,258 |
| Pretax return on assets | 1.4587% | 1,580 |
| Return on Equity (ROE) | 9.5000% | 2,970 |
| Retained earnings to average equity (ytd only) | 9.4951% | 1,317 |
| Net charge-offs to loans | 0.0010% | 2,540 |
| Credit loss provision to net charge-offs | 10,500.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 1,953.3333% | 90 |
| Efficiency ratio | 59.1410% | 3,172 |
| Assets per employee ($millions) | 8.6801% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,372 |
| Loan loss allowance to noncurrent loans | 500.3150% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 2,400 |
| Noncurrent loans to loans | 0.2003% | 2,487 |
| Net loans and leases to total assets | 80.3500% | 554 |
| Net loans and leases to deposits | 110.1890% | 152 |
| Net loans and leases to core deposits | 132.7319% | 201 |
| Total domestic deposits to total assets | 72.9200% | 4,395 |
| Equity capital to assets | 11.0890% | 1,226 |
| Core capital (leverage) ratio | 12.3873% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2840% | 1,538 |
| Memoranda: | ||
| Average total assets | $380,132,400 | 2,102 |
| Average earning assets | $339,666,000 | 2,156 |
| Average equity | $42,706,400 | 1,838 |
| Average total loans | $293,433,000 | 1,751 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 573 |
| Cost of funding earning assets | 0.4870% | 806 |
| Net interest margin | 3.9245% | 756 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.2950% | 2,639 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0419% | 2,316 |
| Return on assets (ROA) | 1.0419% | 2,277 |
| Pretax return on assets | 1.4286% | 1,633 |
| Return on Equity (ROE) | 9.2400% | 2,959 |
| Retained earnings to average equity (ytd only) | 9.2428% | 1,568 |
| Net charge-offs to loans | 0.0014% | 2,262 |
| Credit loss provision to net charge-offs | 5,333.3333% | 105 |
| Earnings coverage of net charge-offs (x) | 1,401.6667% | 94 |
| Efficiency ratio | 60.7119% | 3,025 |
| Assets per employee ($millions) | 7.7868% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,491 |
| Loan loss allowance to noncurrent loans | 239.7619% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 1,619 |
| Noncurrent loans to loans | 0.4166% | 1,771 |
| Net loans and leases to total assets | 78.4800% | 667 |
| Net loans and leases to deposits | 106.1129% | 189 |
| Net loans and leases to core deposits | 123.4729% | 201 |
| Total domestic deposits to total assets | 73.9600% | 4,455 |
| Equity capital to assets | 11.0249% | 1,167 |
| Core capital (leverage) ratio | 12.2928% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5154% | 1,566 |
| Memoranda: | ||
| Average total assets | $377,514,750 | 2,122 |
| Average earning assets | $335,623,500 | 2,186 |
| Average equity | $42,554,500 | 1,866 |
| Average total loans | $287,537,500 | 1,776 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2564% | 559 |
| Cost of funding earning assets | 0.4463% | 700 |
| Net interest margin | 3.8101% | 737 |
| Noninterest income to average assets | 0.3929% | 2,801 |
| Noninterest expense to average assets | 2.3431% | 2,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0378% | 2,027 |
| Return on assets (ROA) | 1.0378% | 1,999 |
| Pretax return on assets | 1.4265% | 1,371 |
| Return on Equity (ROE) | 9.1391% | 2,653 |
| Retained earnings to average equity (ytd only) | 9.1391% | 1,245 |
| Net charge-offs to loans | 0.0021% | 2,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 894.3333% | 150 |
| Efficiency ratio | 62.1580% | 3,028 |
| Assets per employee ($millions) | 7.8296% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 3,612 |
| Loan loss allowance to noncurrent loans | 264.2659% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 1.5579% | 224 |
| Noncurrent loans to loans | 0.3766% | 2,012 |
| Net loans and leases to total assets | 74.2019% | 893 |
| Net loans and leases to deposits | 95.8624% | 438 |
| Net loans and leases to core deposits | 110.1910% | 347 |
| Total domestic deposits to total assets | 77.4045% | 4,387 |
| Equity capital to assets | 11.0038% | 1,207 |
| Core capital (leverage) ratio | 12.2141% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9271% | 1,453 |
| Memoranda: | ||
| Average total assets | $376,168,000 | 2,135 |
| Average earning assets | $333,379,667 | 2,213 |
| Average equity | $42,717,333 | 1,908 |
| Average total loans | $282,563,333 | 1,791 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1300% | 602 |
| Cost of funding earning assets | 0.4365% | 698 |
| Net interest margin | 3.6936% | 756 |
| Noninterest income to average assets | 0.3394% | 3,062 |
| Noninterest expense to average assets | 2.3897% | 2,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8764% | 2,381 |
| Return on assets (ROA) | 0.8764% | 2,379 |
| Pretax return on assets | 1.2126% | 1,761 |
| Return on Equity (ROE) | 7.5964% | 2,840 |
| Retained earnings to average equity (ytd only) | 7.5964% | 1,701 |
| Net charge-offs to loans | 0.0043% | 1,611 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 376.3333% | 265 |
| Efficiency ratio | 66.3387% | 2,728 |
| Assets per employee ($millions) | 8.1035% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,636 |
| Loan loss allowance to noncurrent loans | 243.7819% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 1.6279% | 213 |
| Noncurrent loans to loans | 0.4181% | 1,990 |
| Net loans and leases to total assets | 74.5533% | 613 |
| Net loans and leases to deposits | 99.5750% | 184 |
| Net loans and leases to core deposits | 114.7003% | 187 |
| Total domestic deposits to total assets | 74.8715% | 4,546 |
| Equity capital to assets | 11.4194% | 1,151 |
| Core capital (leverage) ratio | 12.0970% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8743% | 1,849 |
| Memoranda: | ||
| Average total assets | $372,428,000 | 2,160 |
| Average earning assets | $329,004,000 | 2,245 |
| Average equity | $42,968,000 | 1,950 |
| Average total loans | $280,077,000 | 1,793 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 1,056 |
| Cost of funding earning assets | 0.4772% | 1,024 |
| Net interest margin | 3.6860% | 1,246 |
| Noninterest income to average assets | 0.5252% | 2,465 |
| Noninterest expense to average assets | 2.3782% | 2,562 |
| Loan and lease loss provision to assets | 0.1123% | 1,122 |
| Net operating income to assets | 0.9868% | 2,729 |
| Return on assets (ROA) | 0.9868% | 2,795 |
| Pretax return on assets | 1.3803% | 2,113 |
| Return on Equity (ROE) | 8.4336% | 3,097 |
| Retained earnings to average equity (ytd only) | 8.4336% | 1,377 |
| Net charge-offs to loans | -0.0395% | 4,219 |
| Credit loss provision to net charge-offs | -378.8462% | 3,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4393% | 2,945 |
| Assets per employee ($millions) | 8.2688% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,643 |
| Loan loss allowance to noncurrent loans | 384.9462% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 1.5152% | 273 |
| Noncurrent loans to loans | 0.2663% | 2,652 |
| Net loans and leases to total assets | 74.3150% | 640 |
| Net loans and leases to deposits | 98.7550% | 223 |
| Net loans and leases to core deposits | 114.2964% | 225 |
| Total domestic deposits to total assets | 75.2518% | 4,541 |
| Equity capital to assets | 11.6553% | 1,419 |
| Core capital (leverage) ratio | 12.0743% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2248% | 1,451 |
| Memoranda: | ||
| Average total assets | $350,729,200 | 2,193 |
| Average earning assets | $318,337,000 | 2,241 |
| Average equity | $41,038,200 | 2,050 |
| Average total loans | $262,992,400 | 1,865 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 1,386 |
| Cost of funding earning assets | 0.4944% | 1,075 |
| Net interest margin | 3.5708% | 1,673 |
| Noninterest income to average assets | 0.4096% | 3,036 |
| Noninterest expense to average assets | 2.3552% | 2,587 |
| Loan and lease loss provision to assets | 0.1520% | 736 |
| Net operating income to assets | 0.8431% | 3,409 |
| Return on assets (ROA) | 0.8431% | 3,469 |
| Pretax return on assets | 1.1616% | 3,042 |
| Return on Equity (ROE) | 7.1979% | 3,615 |
| Retained earnings to average equity (ytd only) | 7.1979% | 2,342 |
| Net charge-offs to loans | -0.0510% | 4,365 |
| Credit loss provision to net charge-offs | -397.9798% | 3,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1940% | 2,358 |
| Assets per employee ($millions) | 8.0241% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 3,640 |
| Loan loss allowance to noncurrent loans | 288.4965% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 1.6298% | 290 |
| Noncurrent loans to loans | 0.3660% | 2,471 |
| Net loans and leases to total assets | 74.1919% | 678 |
| Net loans and leases to deposits | 97.3530% | 294 |
| Net loans and leases to core deposits | 113.4610% | 265 |
| Total domestic deposits to total assets | 76.2091% | 4,527 |
| Equity capital to assets | 11.7255% | 1,533 |
| Core capital (leverage) ratio | 11.9623% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1060% | 1,932 |
| Memoranda: | ||
| Average total assets | $345,387,500 | 2,244 |
| Average earning assets | $315,254,500 | 2,274 |
| Average equity | $40,455,500 | 2,097 |
| Average total loans | $258,893,750 | 1,915 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 1,479 |
| Cost of funding earning assets | 0.5058% | 1,163 |
| Net interest margin | 3.5314% | 1,763 |
| Noninterest income to average assets | 0.4216% | 3,000 |
| Noninterest expense to average assets | 2.4136% | 2,418 |
| Loan and lease loss provision to assets | 0.1505% | 787 |
| Net operating income to assets | 0.8002% | 3,514 |
| Return on assets (ROA) | 0.8002% | 3,587 |
| Pretax return on assets | 1.0883% | 3,255 |
| Return on Equity (ROE) | 6.8344% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.8344% | 2,492 |
| Net charge-offs to loans | -0.0228% | 4,041 |
| Credit loss provision to net charge-offs | -882.7586% | 3,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0818% | 2,139 |
| Assets per employee ($millions) | 7.7086% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,883 |
| Loan loss allowance to noncurrent loans | 347.4443% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 1.5614% | 347 |
| Noncurrent loans to loans | 0.2823% | 2,925 |
| Net loans and leases to total assets | 73.8616% | 770 |
| Net loans and leases to deposits | 97.2109% | 343 |
| Net loans and leases to core deposits | 113.1159% | 299 |
| Total domestic deposits to total assets | 75.9808% | 4,559 |
| Equity capital to assets | 11.1574% | 1,867 |
| Core capital (leverage) ratio | 11.9618% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8673% | 1,673 |
| Memoranda: | ||
| Average total assets | $340,155,333 | 2,253 |
| Average earning assets | $311,203,667 | 2,281 |
| Average equity | $39,827,667 | 2,106 |
| Average total loans | $254,940,333 | 1,940 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 1,350 |
| Cost of funding earning assets | 0.5157% | 1,299 |
| Net interest margin | 3.6004% | 1,588 |
| Noninterest income to average assets | 0.4485% | 2,831 |
| Noninterest expense to average assets | 2.6133% | 1,855 |
| Loan and lease loss provision to assets | 0.1325% | 1,029 |
| Net operating income to assets | 0.7330% | 3,623 |
| Return on assets (ROA) | 0.7330% | 3,691 |
| Pretax return on assets | 0.9870% | 3,411 |
| Return on Equity (ROE) | 6.1018% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.1018% | 2,856 |
| Net charge-offs to loans | -0.0194% | 3,981 |
| Credit loss provision to net charge-offs | -908.3333% | 3,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0098% | 1,696 |
| Assets per employee ($millions) | 7.4612% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 3,948 |
| Loan loss allowance to noncurrent loans | 284.5538% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 1.6806% | 341 |
| Noncurrent loans to loans | 0.3426% | 2,871 |
| Net loans and leases to total assets | 73.6148% | 849 |
| Net loans and leases to deposits | 99.3840% | 307 |
| Net loans and leases to core deposits | 115.3896% | 296 |
| Total domestic deposits to total assets | 74.0711% | 4,667 |
| Equity capital to assets | 11.5391% | 1,521 |
| Core capital (leverage) ratio | 12.9662% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7245% | 1,377 |
| Memoranda: | ||
| Average total assets | $329,080,000 | 2,291 |
| Average earning assets | $300,192,000 | 2,329 |
| Average equity | $39,529,500 | 2,106 |
| Average total loans | $247,282,500 | 1,982 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 1,320 |
| Cost of funding earning assets | 0.9553% | 701 |
| Net interest margin | 3.5423% | 2,334 |
| Noninterest income to average assets | 1.2256% | 745 |
| Noninterest expense to average assets | 2.8935% | 1,702 |
| Loan and lease loss provision to assets | 0.1888% | 2,064 |
| Net operating income to assets | 0.9625% | 2,431 |
| Return on assets (ROA) | 1.0077% | 2,409 |
| Pretax return on assets | 1.3968% | 1,665 |
| Return on Equity (ROE) | 7.8964% | 2,861 |
| Retained earnings to average equity (ytd only) | 7.8964% | 1,083 |
| Net charge-offs to loans | -0.0107% | 4,274 |
| Credit loss provision to net charge-offs | -2,282.6087% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4359% | 2,614 |
| Assets per employee ($millions) | 6.7010% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 3,917 |
| Loan loss allowance to noncurrent loans | 303.3333% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 1.8016% | 342 |
| Noncurrent loans to loans | 0.3258% | 3,033 |
| Net loans and leases to total assets | 75.2687% | 870 |
| Net loans and leases to deposits | 100.8487% | 337 |
| Net loans and leases to core deposits | 115.3934% | 378 |
| Total domestic deposits to total assets | 74.6353% | 4,602 |
| Equity capital to assets | 12.5276% | 1,310 |
| Core capital (leverage) ratio | 13.1733% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0909% | 1,242 |
| Memoranda: | ||
| Average total assets | $278,069,000 | 2,409 |
| Average earning assets | $250,907,600 | 2,464 |
| Average equity | $35,484,400 | 2,212 |
| Average total loans | $214,150,000 | 2,141 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5711% | 1,395 |
| Cost of funding earning assets | 1.0664% | 608 |
| Net interest margin | 3.5047% | 2,576 |
| Noninterest income to average assets | 0.4210% | 2,981 |
| Noninterest expense to average assets | 2.9041% | 1,692 |
| Loan and lease loss provision to assets | 0.1588% | 2,415 |
| Net operating income to assets | 0.3890% | 4,286 |
| Return on assets (ROA) | 0.4513% | 4,233 |
| Pretax return on assets | 0.5956% | 4,108 |
| Return on Equity (ROE) | 3.5177% | 4,286 |
| Retained earnings to average equity (ytd only) | 3.5177% | 3,297 |
| Net charge-offs to loans | -0.0115% | 4,263 |
| Credit loss provision to net charge-offs | -1,777.7778% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1305% | 786 |
| Assets per employee ($millions) | 6.4765% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 3,851 |
| Loan loss allowance to noncurrent loans | 270.5144% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 2.0677% | 306 |
| Noncurrent loans to loans | 0.3544% | 3,019 |
| Net loans and leases to total assets | 73.1657% | 1,478 |
| Net loans and leases to deposits | 93.6820% | 947 |
| Net loans and leases to core deposits | 105.9187% | 850 |
| Total domestic deposits to total assets | 78.1001% | 4,184 |
| Equity capital to assets | 11.6284% | 1,917 |
| Core capital (leverage) ratio | 12.5373% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8911% | 1,277 |
| Memoranda: | ||
| Average total assets | $268,850,000 | 2,443 |
| Average earning assets | $242,300,500 | 2,497 |
| Average equity | $34,491,750 | 2,246 |
| Average total loans | $207,832,250 | 2,178 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7469% | 1,286 |
| Cost of funding earning assets | 1.1765% | 551 |
| Net interest margin | 3.5704% | 2,578 |
| Noninterest income to average assets | 0.4685% | 2,721 |
| Noninterest expense to average assets | 3.0607% | 1,440 |
| Loan and lease loss provision to assets | 0.1323% | 2,694 |
| Net operating income to assets | 0.3641% | 4,307 |
| Return on assets (ROA) | 0.4459% | 4,199 |
| Pretax return on assets | 0.5837% | 4,092 |
| Return on Equity (ROE) | 3.3518% | 4,275 |
| Retained earnings to average equity (ytd only) | 3.3518% | 3,252 |
| Net charge-offs to loans | -0.0129% | 4,277 |
| Credit loss provision to net charge-offs | -1,307.6923% | 3,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3263% | 676 |
| Assets per employee ($millions) | 6.3040% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 3,866 |
| Loan loss allowance to noncurrent loans | 73.4312% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 2.9318% | 166 |
| Noncurrent loans to loans | 1.2727% | 1,222 |
| Net loans and leases to total assets | 74.7696% | 1,307 |
| Net loans and leases to deposits | 96.8755% | 734 |
| Net loans and leases to core deposits | 105.1591% | 935 |
| Total domestic deposits to total assets | 77.1811% | 4,300 |
| Equity capital to assets | 12.3882% | 1,433 |
| Core capital (leverage) ratio | 13.6251% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0440% | 1,239 |
| Memoranda: | ||
| Average total assets | $257,002,000 | 2,497 |
| Average earning assets | $230,674,667 | 2,549 |
| Average equity | $34,190,333 | 2,252 |
| Average total loans | $202,153,667 | 2,205 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0839% | 821 |
| Cost of funding earning assets | 1.2958% | 574 |
| Net interest margin | 3.7881% | 2,023 |
| Noninterest income to average assets | 0.5007% | 2,546 |
| Noninterest expense to average assets | 3.2471% | 1,321 |
| Loan and lease loss provision to assets | 0.1313% | 2,082 |
| Net operating income to assets | 0.3923% | 4,153 |
| Return on assets (ROA) | 0.3923% | 4,185 |
| Pretax return on assets | 0.5056% | 4,109 |
| Return on Equity (ROE) | 2.8356% | 4,255 |
| Retained earnings to average equity (ytd only) | 2.8356% | 3,146 |
| Net charge-offs to loans | -0.0163% | 4,255 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6010% | 857 |
| Assets per employee ($millions) | 5.1471% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 3,926 |
| Loan loss allowance to noncurrent loans | 236.4764% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 2.5368% | 263 |
| Noncurrent loans to loans | 0.4022% | 3,049 |
| Net loans and leases to total assets | 78.7112% | 879 |
| Net loans and leases to deposits | 98.2908% | 681 |
| Net loans and leases to core deposits | 106.6889% | 1,017 |
| Total domestic deposits to total assets | 80.0799% | 3,839 |
| Equity capital to assets | 13.8330% | 1,114 |
| Core capital (leverage) ratio | 14.0129% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2516% | 1,286 |
| Memoranda: | ||
| Average total assets | $243,662,000 | 2,529 |
| Average earning assets | $217,627,500 | 2,589 |
| Average equity | $33,714,000 | 2,261 |
| Average total loans | $196,176,000 | 2,214 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3133% | 796 |
| Cost of funding earning assets | 1.2852% | 796 |
| Net interest margin | 4.0281% | 1,759 |
| Noninterest income to average assets | 0.7131% | 1,763 |
| Noninterest expense to average assets | 3.4697% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5969% | 4,171 |
| Return on assets (ROA) | 0.5969% | 4,229 |
| Pretax return on assets | 0.8339% | 3,910 |
| Return on Equity (ROE) | 4.2036% | 4,413 |
| Retained earnings to average equity (ytd only) | 4.2036% | 2,857 |
| Net charge-offs to loans | 0.0205% | 3,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 49.8611% | 1,135 |
| Efficiency ratio | 80.6239% | 894 |
| Assets per employee ($millions) | 5.2248% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 3,756 |
| Loan loss allowance to noncurrent loans | 178.0607% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 2.7199% | 215 |
| Noncurrent loans to loans | 0.5320% | 2,582 |
| Net loans and leases to total assets | 80.8588% | 686 |
| Net loans and leases to deposits | 96.2359% | 917 |
| Net loans and leases to core deposits | 103.7497% | 1,249 |
| Total domestic deposits to total assets | 84.0215% | 2,839 |
| Equity capital to assets | 13.8400% | 1,155 |
| Core capital (leverage) ratio | 14.1180% | 898 |
| Tier 1 risk-based capital ratio | 16.1992% | 2,329 |
| Total risk-based capital ratio | 17.1038% | 2,404 |
| Memoranda: | ||
| Average total assets | $215,261,000 | 2,705 |
| Average earning assets | $191,877,400 | 2,782 |
| Average equity | $30,568,800 | 2,361 |
| Average total loans | $175,562,800 | 2,366 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3641% | 756 |
| Cost of funding earning assets | 1.2591% | 884 |
| Net interest margin | 4.1050% | 1,599 |
| Noninterest income to average assets | 0.7361% | 1,638 |
| Noninterest expense to average assets | 3.6386% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5548% | 4,395 |
| Return on assets (ROA) | 0.5548% | 4,448 |
| Pretax return on assets | 0.7665% | 4,199 |
| Return on Equity (ROE) | 3.8790% | 4,614 |
| Retained earnings to average equity (ytd only) | 3.8790% | 3,461 |
| Net charge-offs to loans | 0.0334% | 2,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 28.1172% | 1,693 |
| Efficiency ratio | 82.5993% | 716 |
| Assets per employee ($millions) | 5.0426% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 3,727 |
| Loan loss allowance to noncurrent loans | 174.6384% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 2.8253% | 201 |
| Noncurrent loans to loans | 0.5559% | 2,630 |
| Net loans and leases to total assets | 81.4055% | 643 |
| Net loans and leases to deposits | 104.6068% | 378 |
| Net loans and leases to core deposits | 110.1023% | 946 |
| Total domestic deposits to total assets | 77.8204% | 4,380 |
| Equity capital to assets | 14.1559% | 1,090 |
| Core capital (leverage) ratio | 14.7918% | 788 |
| Tier 1 risk-based capital ratio | 15.9436% | 2,455 |
| Total risk-based capital ratio | 16.8415% | 2,545 |
| Memoranda: | ||
| Average total assets | $210,297,250 | 2,774 |
| Average earning assets | $187,959,750 | 2,837 |
| Average equity | $30,076,000 | 2,407 |
| Average total loans | $171,471,000 | 2,431 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2019% | 980 |
| Cost of funding earning assets | 1.2047% | 979 |
| Net interest margin | 3.9972% | 1,931 |
| Noninterest income to average assets | 0.6652% | 1,853 |
| Noninterest expense to average assets | 3.6804% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4181% | 4,703 |
| Return on assets (ROA) | 0.4181% | 4,726 |
| Pretax return on assets | 0.5822% | 4,575 |
| Return on Equity (ROE) | 2.9122% | 4,805 |
| Retained earnings to average equity (ytd only) | 2.9122% | 3,760 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3428% | 527 |
| Assets per employee ($millions) | 4.3859% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,268 |
| Loan loss allowance to noncurrent loans | 137.4351% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 3.1859% | 173 |
| Noncurrent loans to loans | 0.7741% | 2,048 |
| Net loans and leases to total assets | 81.8950% | 623 |
| Net loans and leases to deposits | 102.9050% | 480 |
| Net loans and leases to core deposits | 111.0376% | 920 |
| Total domestic deposits to total assets | 79.5831% | 4,120 |
| Equity capital to assets | 14.5671% | 931 |
| Core capital (leverage) ratio | 14.8875% | 732 |
| Tier 1 risk-based capital ratio | 16.4868% | 2,240 |
| Total risk-based capital ratio | 17.4825% | 2,265 |
| Memoranda: | ||
| Average total assets | $204,757,670 | 2,831 |
| Average earning assets | $184,278,670 | 2,878 |
| Average equity | $29,394,000 | 2,434 |
| Average total loans | $166,450,330 | 2,477 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 984 |
| Cost of funding earning assets | 1.1494% | 1,047 |
| Net interest margin | 4.0097% | 1,827 |
| Noninterest income to average assets | 0.6341% | 1,890 |
| Noninterest expense to average assets | 3.6676% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4399% | 4,652 |
| Return on assets (ROA) | 0.4399% | 4,672 |
| Pretax return on assets | 0.6024% | 4,508 |
| Return on Equity (ROE) | 3.0879% | 4,768 |
| Retained earnings to average equity (ytd only) | 3.0879% | 3,700 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8933% | 585 |
| Assets per employee ($millions) | 4.3049% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 3,000 |
| Loan loss allowance to noncurrent loans | 139.7136% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 3.2352% | 177 |
| Noncurrent loans to loans | 0.8035% | 2,031 |
| Net loans and leases to total assets | 79.0244% | 983 |
| Net loans and leases to deposits | 95.1286% | 1,050 |
| Net loans and leases to core deposits | 101.9352% | 1,470 |
| Total domestic deposits to total assets | 83.0711% | 3,358 |
| Equity capital to assets | 14.7042% | 826 |
| Core capital (leverage) ratio | 15.4102% | 614 |
| Tier 1 risk-based capital ratio | 17.5993% | 1,915 |
| Total risk-based capital ratio | 18.6693% | 1,915 |
| Memoranda: | ||
| Average total assets | $201,875,500 | 2,888 |
| Average earning assets | $183,057,500 | 2,920 |
| Average equity | $28,757,500 | 2,472 |
| Average total loans | $162,545,000 | 2,536 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0443% | 951 |
| Cost of funding earning assets | 0.9027% | 1,083 |
| Net interest margin | 4.1416% | 1,555 |
| Noninterest income to average assets | 0.8961% | 1,184 |
| Noninterest expense to average assets | 4.0443% | 502 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4907% | 4,679 |
| Return on assets (ROA) | 0.4907% | 4,683 |
| Pretax return on assets | 0.6466% | 4,539 |
| Return on Equity (ROE) | 3.3691% | 4,845 |
| Retained earnings to average equity (ytd only) | 3.3691% | 3,731 |
| Net charge-offs to loans | -0.0042% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2157% | 515 |
| Assets per employee ($millions) | 4.0228% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 2,772 |
| Loan loss allowance to noncurrent loans | 138.1520% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 3.3990% | 163 |
| Noncurrent loans to loans | 0.8390% | 1,929 |
| Net loans and leases to total assets | 80.2015% | 908 |
| Net loans and leases to deposits | 93.6280% | 1,322 |
| Net loans and leases to core deposits | 102.2978% | 1,557 |
| Total domestic deposits to total assets | 85.6597% | 2,375 |
| Equity capital to assets | 13.7640% | 1,044 |
| Core capital (leverage) ratio | 14.1668% | 880 |
| Tier 1 risk-based capital ratio | 16.2966% | 2,308 |
| Total risk-based capital ratio | 17.4045% | 2,300 |
| Memoranda: | ||
| Average total assets | $182,799,400 | 3,027 |
| Average earning assets | $167,495,600 | 3,048 |
| Average equity | $26,624,000 | 2,529 |
| Average total loans | $143,561,400 | 2,727 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 1,069 |
| Cost of funding earning assets | 0.8489% | 1,125 |
| Net interest margin | 4.0925% | 1,649 |
| Noninterest income to average assets | 0.9433% | 1,075 |
| Noninterest expense to average assets | 4.0969% | 460 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4523% | 4,849 |
| Return on assets (ROA) | 0.4523% | 4,857 |
| Pretax return on assets | 0.5944% | 4,742 |
| Return on Equity (ROE) | 3.0594% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.0594% | 4,211 |
| Net charge-offs to loans | -0.0220% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3295% | 443 |
| Assets per employee ($millions) | 3.8409% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,279 |
| Loan loss allowance to noncurrent loans | 92.9920% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 3.9975% | 123 |
| Noncurrent loans to loans | 1.3610% | 1,226 |
| Net loans and leases to total assets | 79.1694% | 1,136 |
| Net loans and leases to deposits | 93.5365% | 1,425 |
| Net loans and leases to core deposits | 108.8109% | 1,111 |
| Total domestic deposits to total assets | 84.6401% | 2,741 |
| Equity capital to assets | 14.4975% | 826 |
| Core capital (leverage) ratio | 14.8942% | 722 |
| Tier 1 risk-based capital ratio | 17.2267% | 2,010 |
| Total risk-based capital ratio | 18.4207% | 1,983 |
| Memoranda: | ||
| Average total assets | $179,220,250 | 3,081 |
| Average earning assets | $164,134,000 | 3,110 |
| Average equity | $26,497,250 | 2,552 |
| Average total loans | $139,465,750 | 2,791 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 1,376 |
| Cost of funding earning assets | 0.8116% | 1,079 |
| Net interest margin | 3.9410% | 2,061 |
| Noninterest income to average assets | 1.1076% | 782 |
| Noninterest expense to average assets | 4.0416% | 501 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5183% | 4,708 |
| Return on assets (ROA) | 0.5183% | 4,713 |
| Pretax return on assets | 0.6715% | 4,584 |
| Return on Equity (ROE) | 3.4822% | 4,930 |
| Retained earnings to average equity (ytd only) | 3.4822% | 3,843 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7519% | 581 |
| Assets per employee ($millions) | 3.8137% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 2,112 |
| Loan loss allowance to noncurrent loans | 90.8108% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 4.1574% | 126 |
| Noncurrent loans to loans | 1.4435% | 1,171 |
| Net loans and leases to total assets | 77.6174% | 1,376 |
| Net loans and leases to deposits | 91.9106% | 1,597 |
| Net loans and leases to core deposits | 103.2728% | 1,457 |
| Total domestic deposits to total assets | 84.4487% | 2,898 |
| Equity capital to assets | 14.8388% | 718 |
| Core capital (leverage) ratio | 15.0418% | 659 |
| Tier 1 risk-based capital ratio | 17.4883% | 1,943 |
| Total risk-based capital ratio | 18.6927% | 1,910 |
| Memoranda: | ||
| Average total assets | $177,506,000 | 3,119 |
| Average earning assets | $162,394,670 | 3,156 |
| Average equity | $26,420,330 | 2,565 |
| Average total loans | $136,677,670 | 2,834 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 1,323 |
| Cost of funding earning assets | 0.7590% | 1,142 |
| Net interest margin | 3.9340% | 1,914 |
| Noninterest income to average assets | 1.3723% | 493 |
| Noninterest expense to average assets | 4.0875% | 474 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6884% | 4,140 |
| Return on assets (ROA) | 0.6884% | 4,143 |
| Pretax return on assets | 0.8764% | 3,926 |
| Return on Equity (ROE) | 4.6180% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.6180% | 3,353 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3449% | 917 |
| Assets per employee ($millions) | 3.6838% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 1,968 |
| Loan loss allowance to noncurrent loans | 89.5783% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 4.2302% | 139 |
| Noncurrent loans to loans | 1.5244% | 1,153 |
| Net loans and leases to total assets | 75.4895% | 1,622 |
| Net loans and leases to deposits | 89.3448% | 1,772 |
| Net loans and leases to core deposits | 102.0434% | 1,525 |
| Total domestic deposits to total assets | 84.4923% | 3,120 |
| Equity capital to assets | 14.9455% | 686 |
| Core capital (leverage) ratio | 15.2162% | 612 |
| Tier 1 risk-based capital ratio | 18.5761% | 1,671 |
| Total risk-based capital ratio | 19.8268% | 1,634 |
| Memoranda: | ||
| Average total assets | $176,636,000 | 3,166 |
| Average earning assets | $161,260,000 | 3,202 |
| Average equity | $26,331,500 | 2,588 |
| Average total loans | $134,529,500 | 2,880 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 1,227 |
| Cost of funding earning assets | 0.6782% | 1,143 |
| Net interest margin | 4.0113% | 1,715 |
| Noninterest income to average assets | 0.8557% | 1,393 |
| Noninterest expense to average assets | 3.8686% | 642 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3035% | 4,920 |
| Return on assets (ROA) | 0.3035% | 4,936 |
| Pretax return on assets | 0.6737% | 4,574 |
| Return on Equity (ROE) | 2.1062% | 5,037 |
| Retained earnings to average equity (ytd only) | 2.1062% | 4,056 |
| Net charge-offs to loans | 0.0666% | 2,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 14.1529% | 2,349 |
| Efficiency ratio | 85.1683% | 692 |
| Assets per employee ($millions) | 3.8359% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 1,834 |
| Loan loss allowance to noncurrent loans | 68.6989% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 4.7572% | 107 |
| Noncurrent loans to loans | 2.0115% | 758 |
| Net loans and leases to total assets | 74.7413% | 1,800 |
| Net loans and leases to deposits | 88.2625% | 1,989 |
| Net loans and leases to core deposits | 103.4353% | 1,452 |
| Total domestic deposits to total assets | 84.6806% | 2,957 |
| Equity capital to assets | 14.8688% | 708 |
| Core capital (leverage) ratio | 14.5809% | 711 |
| Tier 1 risk-based capital ratio | 18.6053% | 1,615 |
| Total risk-based capital ratio | 19.8561% | 1,564 |
| Memoranda: | ||
| Average total assets | $178,564,200 | 3,135 |
| Average earning assets | $164,111,000 | 3,150 |
| Average equity | $25,734,000 | 2,627 |
| Average total loans | $127,623,600 | 2,946 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4759% | 1,711 |
| Cost of funding earning assets | 0.6567% | 1,198 |
| Net interest margin | 3.8192% | 2,323 |
| Noninterest income to average assets | 0.8762% | 1,350 |
| Noninterest expense to average assets | 3.8296% | 649 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3633% | 5,071 |
| Return on assets (ROA) | 0.3633% | 5,093 |
| Pretax return on assets | 0.5621% | 4,903 |
| Return on Equity (ROE) | 2.5408% | 5,215 |
| Retained earnings to average equity (ytd only) | 2.5408% | 4,369 |
| Net charge-offs to loans | -0.0370% | 5,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2012% | 557 |
| Assets per employee ($millions) | 4.2952% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4850% | 1,595 |
| Loan loss allowance to noncurrent loans | 86.7342% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 4.4230% | 139 |
| Noncurrent loans to loans | 1.7121% | 1,056 |
| Net loans and leases to total assets | 70.6896% | 2,460 |
| Net loans and leases to deposits | 83.0099% | 2,656 |
| Net loans and leases to core deposits | 96.0112% | 2,075 |
| Total domestic deposits to total assets | 85.1580% | 2,656 |
| Equity capital to assets | 14.2036% | 938 |
| Core capital (leverage) ratio | 14.4002% | 795 |
| Tier 1 risk-based capital ratio | 18.4185% | 1,751 |
| Total risk-based capital ratio | 19.6702% | 1,705 |
| Memoranda: | ||
| Average total assets | $179,092,750 | 3,151 |
| Average earning assets | $164,848,750 | 3,171 |
| Average equity | $25,608,500 | 2,657 |
| Average total loans | $126,097,250 | 2,997 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4755% | 1,586 |
| Cost of funding earning assets | 0.6362% | 1,220 |
| Net interest margin | 3.8393% | 2,135 |
| Noninterest income to average assets | 0.9062% | 1,256 |
| Noninterest expense to average assets | 3.8403% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3905% | 4,996 |
| Return on assets (ROA) | 0.3905% | 5,025 |
| Pretax return on assets | 0.6004% | 4,806 |
| Return on Equity (ROE) | 2.7244% | 5,191 |
| Retained earnings to average equity (ytd only) | 2.7244% | 4,076 |
| Net charge-offs to loans | -0.0500% | 5,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4803% | 657 |
| Assets per employee ($millions) | 3.6781% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 1,284 |
| Loan loss allowance to noncurrent loans | 81.4523% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 4.7122% | 120 |
| Noncurrent loans to loans | 1.9519% | 876 |
| Net loans and leases to total assets | 66.0705% | 3,096 |
| Net loans and leases to deposits | 77.4942% | 3,163 |
| Net loans and leases to core deposits | 89.9905% | 2,530 |
| Total domestic deposits to total assets | 85.2587% | 2,712 |
| Equity capital to assets | 14.1910% | 906 |
| Core capital (leverage) ratio | 14.5939% | 720 |
| Tier 1 risk-based capital ratio | 19.4516% | 1,486 |
| Total risk-based capital ratio | 20.7040% | 1,439 |
| Memoranda: | ||
| Average total assets | $177,226,330 | 3,189 |
| Average earning assets | $163,156,330 | 3,197 |
| Average equity | $25,400,330 | 2,675 |
| Average total loans | $123,954,330 | 3,039 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 1,786 |
| Cost of funding earning assets | 0.6132% | 1,282 |
| Net interest margin | 3.7467% | 2,324 |
| Noninterest income to average assets | 0.8120% | 1,509 |
| Noninterest expense to average assets | 3.8485% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2921% | 5,218 |
| Return on assets (ROA) | 0.2921% | 5,231 |
| Pretax return on assets | 0.4072% | 5,149 |
| Return on Equity (ROE) | 2.0278% | 5,329 |
| Retained earnings to average equity (ytd only) | 2.0278% | 4,325 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4324% | 537 |
| Assets per employee ($millions) | 3.6317% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 1,569 |
| Loan loss allowance to noncurrent loans | 87.8581% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 5.0524% | 116 |
| Noncurrent loans to loans | 1.7457% | 1,094 |
| Net loans and leases to total assets | 69.7006% | 2,441 |
| Net loans and leases to deposits | 81.7332% | 2,547 |
| Net loans and leases to core deposits | 95.1459% | 1,880 |
| Total domestic deposits to total assets | 85.2782% | 2,975 |
| Equity capital to assets | 14.1138% | 873 |
| Core capital (leverage) ratio | 14.3888% | 746 |
| Tier 1 risk-based capital ratio | 18.4447% | 1,754 |
| Total risk-based capital ratio | 19.6970% | 1,711 |
| Memoranda: | ||
| Average total assets | $173,887,000 | 3,272 |
| Average earning assets | $159,822,000 | 3,270 |
| Average equity | $25,051,500 | 2,709 |
| Average total loans | $124,196,500 | 3,051 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3634% | 1,936 |
| Cost of funding earning assets | 0.5242% | 1,909 |
| Net interest margin | 3.8392% | 2,174 |
| Noninterest income to average assets | 0.9759% | 1,207 |
| Noninterest expense to average assets | 3.8402% | 743 |
| Loan and lease loss provision to assets | 0.0363% | 3,639 |
| Net operating income to assets | 0.3873% | 4,984 |
| Return on assets (ROA) | 0.3873% | 5,067 |
| Pretax return on assets | 0.5956% | 4,796 |
| Return on Equity (ROE) | 2.6781% | 5,249 |
| Retained earnings to average equity (ytd only) | 2.6781% | 4,000 |
| Net charge-offs to loans | 0.0525% | 2,986 |
| Credit loss provision to net charge-offs | 101.6393% | 2,530 |
| Earnings coverage of net charge-offs (x) | 17.7049% | 2,021 |
| Efficiency ratio | 85.8713% | 832 |
| Assets per employee ($millions) | 3.4657% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 1,426 |
| Loan loss allowance to noncurrent loans | 91.9125% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 5.3333% | 109 |
| Noncurrent loans to loans | 1.7170% | 1,124 |
| Net loans and leases to total assets | 70.9540% | 2,341 |
| Net loans and leases to deposits | 83.7107% | 2,453 |
| Net loans and leases to core deposits | 97.8735% | 1,774 |
| Total domestic deposits to total assets | 84.7609% | 3,150 |
| Equity capital to assets | 14.7138% | 686 |
| Core capital (leverage) ratio | 14.6902% | 654 |
| Tier 1 risk-based capital ratio | 19.0246% | 1,595 |
| Total risk-based capital ratio | 20.2774% | 1,555 |
| Memoranda: | ||
| Average total assets | $170,926,800 | 3,275 |
| Average earning assets | $155,658,000 | 3,302 |
| Average equity | $24,719,000 | 2,745 |
| Average total loans | $116,169,400 | 3,126 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3998% | 1,858 |
| Cost of funding earning assets | 0.5011% | 2,094 |
| Net interest margin | 3.8987% | 1,981 |
| Noninterest income to average assets | 1.0101% | 1,129 |
| Noninterest expense to average assets | 3.9983% | 589 |
| Loan and lease loss provision to assets | 0.0249% | 3,748 |
| Net operating income to assets | 0.3505% | 5,166 |
| Return on assets (ROA) | 0.3505% | 5,247 |
| Pretax return on assets | 0.5311% | 5,060 |
| Return on Equity (ROE) | 2.4338% | 5,371 |
| Retained earnings to average equity (ytd only) | 2.4338% | 4,461 |
| Net charge-offs to loans | 0.0710% | 2,297 |
| Credit loss provision to net charge-offs | 52.4590% | 3,001 |
| Earnings coverage of net charge-offs (x) | 11.7052% | 2,459 |
| Efficiency ratio | 87.7907% | 685 |
| Assets per employee ($millions) | 3.5305% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 1,355 |
| Loan loss allowance to noncurrent loans | 86.8890% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 5.3339% | 128 |
| Noncurrent loans to loans | 1.8860% | 1,065 |
| Net loans and leases to total assets | 67.3675% | 2,893 |
| Net loans and leases to deposits | 79.6127% | 3,010 |
| Net loans and leases to core deposits | 82.9486% | 3,215 |
| Total domestic deposits to total assets | 84.6191% | 2,979 |
| Equity capital to assets | 14.6758% | 821 |
| Core capital (leverage) ratio | 14.9907% | 637 |
| Tier 1 risk-based capital ratio | 22.1987% | 1,111 |
| Total risk-based capital ratio | 23.4545% | 1,092 |
| Memoranda: | ||
| Average total assets | $171,203,500 | 3,281 |
| Average earning assets | $155,639,750 | 3,316 |
| Average equity | $24,652,000 | 2,770 |
| Average total loans | $114,605,250 | 3,157 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4097% | 1,798 |
| Cost of funding earning assets | 0.4642% | 2,435 |
| Net interest margin | 3.9455% | 1,824 |
| Noninterest income to average assets | 1.0327% | 1,050 |
| Noninterest expense to average assets | 4.0178% | 579 |
| Loan and lease loss provision to assets | 0.0384% | 3,389 |
| Net operating income to assets | 0.3714% | 5,121 |
| Return on assets (ROA) | 0.3714% | 5,210 |
| Pretax return on assets | 0.5588% | 5,003 |
| Return on Equity (ROE) | 2.5957% | 5,365 |
| Retained earnings to average equity (ytd only) | 2.5957% | 4,239 |
| Net charge-offs to loans | 0.0368% | 2,720 |
| Credit loss provision to net charge-offs | 157.1429% | 1,541 |
| Earnings coverage of net charge-offs (x) | 24.4286% | 1,548 |
| Efficiency ratio | 87.0585% | 785 |
| Assets per employee ($millions) | 3.5779% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6841% | 1,305 |
| Loan loss allowance to noncurrent loans | 107.3481% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 5.1153% | 144 |
| Noncurrent loans to loans | 1.5689% | 1,369 |
| Net loans and leases to total assets | 67.4520% | 2,874 |
| Net loans and leases to deposits | 79.8255% | 2,947 |
| Net loans and leases to core deposits | 93.8935% | 2,179 |
| Total domestic deposits to total assets | 84.4994% | 3,091 |
| Equity capital to assets | 14.7151% | 809 |
| Core capital (leverage) ratio | 13.5606% | 961 |
| Tier 1 risk-based capital ratio | 19.0430% | 1,685 |
| Total risk-based capital ratio | 20.3057% | 1,651 |
| Memoranda: | ||
| Average total assets | $171,783,670 | 3,288 |
| Average earning assets | $155,973,330 | 3,325 |
| Average equity | $24,579,330 | 2,779 |
| Average total loans | $114,118,670 | 3,173 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 3,121 |
| Cost of funding earning assets | 0.4270% | 2,795 |
| Net interest margin | 3.6012% | 3,076 |
| Noninterest income to average assets | 1.0461% | 993 |
| Noninterest expense to average assets | 3.9010% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3272% | 5,220 |
| Return on assets (ROA) | 0.3272% | 5,306 |
| Pretax return on assets | 0.4102% | 5,290 |
| Return on Equity (ROE) | 2.3187% | 5,422 |
| Retained earnings to average equity (ytd only) | 2.3187% | 4,324 |
| Net charge-offs to loans | 0.0740% | 1,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.4762% | 2,051 |
| Efficiency ratio | 90.4864% | 642 |
| Assets per employee ($millions) | 3.6625% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6588% | 1,459 |
| Loan loss allowance to noncurrent loans | 96.5134% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 5.0826% | 159 |
| Noncurrent loans to loans | 1.7187% | 1,305 |
| Net loans and leases to total assets | 65.7819% | 2,983 |
| Net loans and leases to deposits | 77.4786% | 3,056 |
| Net loans and leases to core deposits | 86.7170% | 2,684 |
| Total domestic deposits to total assets | 84.9033% | 3,162 |
| Equity capital to assets | 14.2724% | 893 |
| Core capital (leverage) ratio | 13.7442% | 886 |
| Tier 1 risk-based capital ratio | 18.8254% | 1,769 |
| Total risk-based capital ratio | 20.0880% | 1,737 |
| Memoranda: | ||
| Average total assets | $173,595,000 | 3,289 |
| Average earning assets | $157,391,500 | 3,322 |
| Average equity | $24,496,500 | 2,789 |
| Average total loans | $113,492,500 | 3,190 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2631% | 2,341 |
| Cost of funding earning assets | 0.3228% | 3,994 |
| Net interest margin | 3.9403% | 1,898 |
| Noninterest income to average assets | 0.9076% | 1,420 |
| Noninterest expense to average assets | 3.9947% | 675 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2458% | 5,492 |
| Return on assets (ROA) | 0.2458% | 5,561 |
| Pretax return on assets | 0.3803% | 5,359 |
| Return on Equity (ROE) | 1.5462% | 5,673 |
| Retained earnings to average equity (ytd only) | 1.5462% | 4,840 |
| Net charge-offs to loans | 0.1461% | 1,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.9793% | 3,626 |
| Efficiency ratio | 91.3076% | 611 |
| Assets per employee ($millions) | 3.7245% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7266% | 1,292 |
| Loan loss allowance to noncurrent loans | 98.5707% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 5.1979% | 163 |
| Noncurrent loans to loans | 1.7516% | 1,279 |
| Net loans and leases to total assets | 62.7861% | 3,449 |
| Net loans and leases to deposits | 73.6596% | 3,535 |
| Net loans and leases to core deposits | 78.1370% | 3,536 |
| Total domestic deposits to total assets | 85.2382% | 2,979 |
| Equity capital to assets | 13.9529% | 946 |
| Core capital (leverage) ratio | 14.3720% | 741 |
| Tier 1 risk-based capital ratio | 19.1745% | 1,663 |
| Total risk-based capital ratio | 20.4377% | 1,617 |
| Memoranda: | ||
| Average total assets | $151,726,400 | 3,544 |
| Average earning assets | $133,518,200 | 3,642 |
| Average equity | $24,124,200 | 2,773 |
| Average total loans | $99,276,800 | 3,394 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2947% | 2,250 |
| Cost of funding earning assets | 0.3185% | 4,124 |
| Net interest margin | 3.9762% | 1,781 |
| Noninterest income to average assets | 0.9587% | 1,291 |
| Noninterest expense to average assets | 4.2715% | 503 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0914% | 5,859 |
| Return on assets (ROA) | 0.0914% | 5,897 |
| Pretax return on assets | 0.1554% | 5,839 |
| Return on Equity (ROE) | 0.5544% | 5,915 |
| Retained earnings to average equity (ytd only) | 0.5544% | 5,453 |
| Net charge-offs to loans | 0.1220% | 1,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.9318% | 3,760 |
| Efficiency ratio | 96.4905% | 404 |
| Assets per employee ($millions) | 2.9262% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 1,066 |
| Loan loss allowance to noncurrent loans | 72.9274% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 8.0301% | 83 |
| Noncurrent loans to loans | 2.6107% | 754 |
| Net loans and leases to total assets | 74.4745% | 1,644 |
| Net loans and leases to deposits | 91.5892% | 1,455 |
| Net loans and leases to core deposits | 99.2433% | 1,580 |
| Total domestic deposits to total assets | 81.3136% | 4,387 |
| Equity capital to assets | 17.5616% | 382 |
| Core capital (leverage) ratio | 16.0031% | 490 |
| Tier 1 risk-based capital ratio | 19.7001% | 1,621 |
| Total risk-based capital ratio | 20.9650% | 1,584 |
| Memoranda: | ||
| Average total assets | $145,894,750 | 3,666 |
| Average earning assets | $127,253,250 | 3,790 |
| Average equity | $24,049,000 | 2,797 |
| Average total loans | $96,136,000 | 3,488 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1149% | 2,845 |
| Cost of funding earning assets | 0.2980% | 4,418 |
| Net interest margin | 3.8169% | 2,249 |
| Noninterest income to average assets | 0.8757% | 1,525 |
| Noninterest expense to average assets | 4.2413% | 521 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0471% | 6,022 |
| Return on assets (ROA) | -0.0471% | 6,054 |
| Pretax return on assets | -0.0404% | 6,041 |
| Return on Equity (ROE) | -0.2915% | 6,047 |
| Retained earnings to average equity (ytd only) | -0.2915% | 5,565 |
| Net charge-offs to loans | -0.1028% | 5,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9606% | 303 |
| Assets per employee ($millions) | 3.2386% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1506% | 789 |
| Loan loss allowance to noncurrent loans | 73.0902% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 7.2202% | 117 |
| Noncurrent loans to loans | 2.9424% | 686 |
| Net loans and leases to total assets | 62.1665% | 3,523 |
| Net loans and leases to deposits | 74.3795% | 3,449 |
| Net loans and leases to core deposits | 79.5422% | 3,440 |
| Total domestic deposits to total assets | 83.5801% | 3,733 |
| Equity capital to assets | 15.4504% | 617 |
| Core capital (leverage) ratio | 14.1766% | 793 |
| Tier 1 risk-based capital ratio | 21.7959% | 1,234 |
| Total risk-based capital ratio | 23.0554% | 1,219 |
| Memoranda: | ||
| Average total assets | $148,682,000 | 3,649 |
| Average earning assets | $129,530,330 | 3,766 |
| Average equity | $24,014,330 | 2,813 |
| Average total loans | $93,376,330 | 3,565 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0912% | 2,873 |
| Cost of funding earning assets | 0.2861% | 4,598 |
| Net interest margin | 3.8051% | 2,214 |
| Noninterest income to average assets | 0.7020% | 2,154 |
| Noninterest expense to average assets | 4.2066% | 550 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2230% | 6,158 |
| Return on assets (ROA) | -0.2230% | 6,181 |
| Pretax return on assets | -0.2092% | 6,159 |
| Return on Equity (ROE) | -1.3493% | 6,143 |
| Retained earnings to average equity (ytd only) | -1.3493% | 5,595 |
| Net charge-offs to loans | -0.1103% | 5,890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2342% | 253 |
| Assets per employee ($millions) | 2.6321% | 6,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2750% | 728 |
| Loan loss allowance to noncurrent loans | 62.8289% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 9.2289% | 78 |
| Noncurrent loans to loans | 3.6209% | 511 |
| Net loans and leases to total assets | 71.4347% | 1,910 |
| Net loans and leases to deposits | 89.2047% | 1,480 |
| Net loans and leases to core deposits | 97.2449% | 1,538 |
| Total domestic deposits to total assets | 80.0795% | 5,034 |
| Equity capital to assets | 18.9739% | 265 |
| Core capital (leverage) ratio | 14.8797% | 624 |
| Tier 1 risk-based capital ratio | 23.1476% | 1,088 |
| Total risk-based capital ratio | 24.4080% | 1,064 |
| Memoranda: | ||
| Average total assets | $145,297,000 | 3,725 |
| Average earning assets | $125,831,500 | 3,873 |
| Average equity | $24,012,500 | 2,825 |
| Average total loans | $90,683,000 | 3,630 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7743% | 4,570 |
| Cost of funding earning assets | 0.2752% | 5,049 |
| Net interest margin | 3.4991% | 3,799 |
| Noninterest income to average assets | 0.7742% | 1,974 |
| Noninterest expense to average assets | 3.6008% | 1,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1923% | 5,781 |
| Return on assets (ROA) | 0.1923% | 5,833 |
| Pretax return on assets | 0.2092% | 5,858 |
| Return on Equity (ROE) | 1.3320% | 5,926 |
| Retained earnings to average equity (ytd only) | 1.3320% | 5,180 |
| Net charge-offs to loans | -0.0207% | 5,704 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5086% | 570 |
| Assets per employee ($millions) | 3.5707% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3322% | 692 |
| Loan loss allowance to noncurrent loans | 54.7324% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 7.3637% | 134 |
| Noncurrent loans to loans | 4.2612% | 406 |
| Net loans and leases to total assets | 52.9290% | 4,696 |
| Net loans and leases to deposits | 62.4565% | 4,687 |
| Net loans and leases to core deposits | 66.9467% | 4,601 |
| Total domestic deposits to total assets | 84.7454% | 3,396 |
| Equity capital to assets | 14.7012% | 760 |
| Core capital (leverage) ratio | 13.7457% | 882 |
| Tier 1 risk-based capital ratio | 24.3605% | 910 |
| Total risk-based capital ratio | 25.6219% | 887 |
| Memoranda: | ||
| Average total assets | $165,852,200 | 3,399 |
| Average earning assets | $143,893,600 | 3,537 |
| Average equity | $23,949,600 | 2,764 |
| Average total loans | $87,128,200 | 3,697 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7993% | 4,549 |
| Cost of funding earning assets | 0.2763% | 5,137 |
| Net interest margin | 3.5230% | 3,744 |
| Noninterest income to average assets | 0.6520% | 2,566 |
| Noninterest expense to average assets | 3.6129% | 1,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0545% | 6,080 |
| Return on assets (ROA) | 0.0545% | 6,108 |
| Pretax return on assets | 0.0762% | 6,084 |
| Return on Equity (ROE) | 0.3793% | 6,118 |
| Retained earnings to average equity (ytd only) | 0.3793% | 5,695 |
| Net charge-offs to loans | -0.0308% | 5,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9348% | 434 |
| Assets per employee ($millions) | 3.5725% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4695% | 669 |
| Loan loss allowance to noncurrent loans | 51.2707% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 7.5851% | 147 |
| Noncurrent loans to loans | 4.8166% | 393 |
| Net loans and leases to total assets | 49.9395% | 5,018 |
| Net loans and leases to deposits | 58.9137% | 5,020 |
| Net loans and leases to core deposits | 63.5432% | 4,921 |
| Total domestic deposits to total assets | 84.7671% | 3,435 |
| Equity capital to assets | 14.5410% | 846 |
| Core capital (leverage) ratio | 14.0709% | 826 |
| Tier 1 risk-based capital ratio | 25.6379% | 819 |
| Total risk-based capital ratio | 26.9019% | 800 |
| Memoranda: | ||
| Average total assets | $166,252,250 | 3,420 |
| Average earning assets | $143,321,250 | 3,585 |
| Average equity | $23,900,250 | 2,770 |
| Average total loans | $86,657,000 | 3,737 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 4,002 |
| Cost of funding earning assets | 0.2732% | 5,252 |
| Net interest margin | 3.6600% | 3,107 |
| Noninterest income to average assets | 0.5968% | 2,828 |
| Noninterest expense to average assets | 3.6167% | 1,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1402% | 5,967 |
| Return on assets (ROA) | 0.1402% | 6,004 |
| Pretax return on assets | 0.1426% | 6,038 |
| Return on Equity (ROE) | 0.9790% | 6,062 |
| Retained earnings to average equity (ytd only) | 0.9790% | 5,369 |
| Net charge-offs to loans | 0.0754% | 2,944 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.6061% | 3,260 |
| Efficiency ratio | 96.2066% | 547 |
| Assets per employee ($millions) | 3.6642% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3972% | 812 |
| Loan loss allowance to noncurrent loans | 45.3324% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 7.9181% | 140 |
| Noncurrent loans to loans | 5.2880% | 360 |
| Net loans and leases to total assets | 51.1391% | 4,842 |
| Net loans and leases to deposits | 60.4274% | 4,829 |
| Net loans and leases to core deposits | 64.7914% | 4,745 |
| Total domestic deposits to total assets | 84.6289% | 3,672 |
| Equity capital to assets | 14.8525% | 736 |
| Core capital (leverage) ratio | 14.0345% | 820 |
| Tier 1 risk-based capital ratio | 25.3981% | 831 |
| Total risk-based capital ratio | 26.6610% | 813 |
| Memoranda: | ||
| Average total assets | $166,891,330 | 3,422 |
| Average earning assets | $144,209,330 | 3,595 |
| Average equity | $23,901,670 | 2,761 |
| Average total loans | $87,494,000 | 3,732 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 2,557 |
| Cost of funding earning assets | 0.2696% | 5,390 |
| Net interest margin | 4.0223% | 1,673 |
| Noninterest income to average assets | 0.5303% | 3,191 |
| Noninterest expense to average assets | 3.7637% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2427% | 5,683 |
| Return on assets (ROA) | 0.2427% | 5,732 |
| Pretax return on assets | 0.2475% | 5,834 |
| Return on Equity (ROE) | 1.7253% | 5,863 |
| Retained earnings to average equity (ytd only) | 1.7253% | 4,923 |
| Net charge-offs to loans | 0.0629% | 2,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,113 |
| Efficiency ratio | 93.8308% | 761 |
| Assets per employee ($millions) | 3.8362% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3631% | 950 |
| Loan loss allowance to noncurrent loans | 44.1278% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 7.5862% | 185 |
| Noncurrent loans to loans | 5.3552% | 383 |
| Net loans and leases to total assets | 50.0320% | 4,906 |
| Net loans and leases to deposits | 58.6416% | 4,878 |
| Net loans and leases to core deposits | 62.9498% | 4,792 |
| Total domestic deposits to total assets | 85.3182% | 3,714 |
| Equity capital to assets | 14.1776% | 863 |
| Core capital (leverage) ratio | 14.0864% | 796 |
| Tier 1 risk-based capital ratio | 24.8711% | 905 |
| Total risk-based capital ratio | 26.1339% | 888 |
| Memoranda: | ||
| Average total assets | $169,724,500 | 3,413 |
| Average earning assets | $146,879,500 | 3,566 |
| Average equity | $23,879,500 | 2,769 |
| Average total loans | $89,004,000 | 3,725 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 4,041 |
| Cost of funding earning assets | 0.3407% | 5,235 |
| Net interest margin | 3.6735% | 3,160 |
| Noninterest income to average assets | 1.2934% | 833 |
| Noninterest expense to average assets | 4.1821% | 710 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5640% | 4,439 |
| Return on assets (ROA) | 0.5640% | 4,554 |
| Pretax return on assets | 0.3161% | 5,688 |
| Return on Equity (ROE) | 3.7315% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.7315% | 3,564 |
| Net charge-offs to loans | 0.2061% | 2,816 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.6324% | 4,117 |
| Efficiency ratio | 92.9736% | 808 |
| Assets per employee ($millions) | 3.9687% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2489% | 1,117 |
| Loan loss allowance to noncurrent loans | 38.6044% | 5,677 |
| Noncurrent assets plus other real estate owned to assets | 7.9107% | 194 |
| Noncurrent loans to loans | 5.8254% | 365 |
| Net loans and leases to total assets | 52.4186% | 4,802 |
| Net loans and leases to deposits | 61.2362% | 4,801 |
| Net loans and leases to core deposits | 65.9003% | 4,704 |
| Total domestic deposits to total assets | 85.6008% | 3,457 |
| Equity capital to assets | 13.9627% | 909 |
| Core capital (leverage) ratio | 13.7899% | 882 |
| Tier 1 risk-based capital ratio | 23.5247% | 1,018 |
| Total risk-based capital ratio | 24.7862% | 996 |
| Memoranda: | ||
| Average total assets | $154,086,200 | 3,640 |
| Average earning assets | $134,422,200 | 3,744 |
| Average equity | $23,288,000 | 2,790 |
| Average total loans | $89,776,600 | 3,699 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 3,719 |
| Cost of funding earning assets | 0.3544% | 5,255 |
| Net interest margin | 3.7557% | 2,817 |
| Noninterest income to average assets | 1.6157% | 563 |
| Noninterest expense to average assets | 4.5047% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3210% | 5,538 |
| Return on assets (ROA) | 0.3210% | 5,655 |
| Pretax return on assets | 0.4090% | 5,602 |
| Return on Equity (ROE) | 2.0789% | 5,912 |
| Retained earnings to average equity (ytd only) | 2.0789% | 5,082 |
| Net charge-offs to loans | 0.1686% | 2,870 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.0709% | 3,547 |
| Efficiency ratio | 91.6757% | 873 |
| Assets per employee ($millions) | 3.4536% | 4,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3615% | 1,091 |
| Loan loss allowance to noncurrent loans | 39.4444% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 9.5168% | 151 |
| Noncurrent loans to loans | 5.9870% | 429 |
| Net loans and leases to total assets | 59.3006% | 3,807 |
| Net loans and leases to deposits | 70.8442% | 3,660 |
| Net loans and leases to core deposits | 77.2547% | 3,466 |
| Total domestic deposits to total assets | 83.7057% | 4,315 |
| Equity capital to assets | 15.7031% | 593 |
| Core capital (leverage) ratio | 14.9974% | 643 |
| Tier 1 risk-based capital ratio | 24.2001% | 967 |
| Total risk-based capital ratio | 25.4626% | 949 |
| Memoranda: | ||
| Average total assets | $149,944,000 | 3,744 |
| Average earning assets | $131,671,750 | 3,845 |
| Average equity | $23,153,000 | 2,833 |
| Average total loans | $89,342,500 | 3,735 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 3,982 |
| Cost of funding earning assets | 0.3529% | 5,379 |
| Net interest margin | 3.6830% | 3,026 |
| Noninterest income to average assets | 2.0741% | 422 |
| Noninterest expense to average assets | 4.9487% | 367 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3696% | 5,334 |
| Return on assets (ROA) | 0.3696% | 5,508 |
| Pretax return on assets | 0.3723% | 5,700 |
| Return on Equity (ROE) | 2.4072% | 5,831 |
| Retained earnings to average equity (ytd only) | 2.4072% | 4,768 |
| Net charge-offs to loans | 0.1976% | 2,580 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.1818% | 3,462 |
| Efficiency ratio | 93.0035% | 818 |
| Assets per employee ($millions) | 3.6045% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4136% | 1,078 |
| Loan loss allowance to noncurrent loans | 48.2211% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 8.5178% | 217 |
| Noncurrent loans to loans | 5.0052% | 645 |
| Net loans and leases to total assets | 56.2167% | 4,244 |
| Net loans and leases to deposits | 66.6662% | 4,190 |
| Net loans and leases to core deposits | 72.0987% | 4,025 |
| Total domestic deposits to total assets | 84.3257% | 4,190 |
| Equity capital to assets | 14.9923% | 713 |
| Core capital (leverage) ratio | 14.7648% | 655 |
| Tier 1 risk-based capital ratio | 24.5315% | 931 |
| Total risk-based capital ratio | 25.7945% | 911 |
| Memoranda: | ||
| Average total assets | $150,423,330 | 3,759 |
| Average earning assets | $132,610,000 | 3,853 |
| Average equity | $23,097,330 | 2,855 |
| Average total loans | $89,058,330 | 3,746 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 3,895 |
| Cost of funding earning assets | 0.3536% | 5,498 |
| Net interest margin | 3.7050% | 2,831 |
| Noninterest income to average assets | 3.4292% | 214 |
| Noninterest expense to average assets | 6.3103% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3699% | 5,263 |
| Return on assets (ROA) | 0.3699% | 5,392 |
| Pretax return on assets | 0.3726% | 5,640 |
| Return on Equity (ROE) | 2.3798% | 5,821 |
| Retained earnings to average equity (ytd only) | 2.3798% | 4,837 |
| Net charge-offs to loans | -0.1124% | 6,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4242% | 808 |
| Assets per employee ($millions) | 3.3231% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5681% | 1,046 |
| Loan loss allowance to noncurrent loans | 45.1523% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 10.0698% | 188 |
| Noncurrent loans to loans | 5.6876% | 615 |
| Net loans and leases to total assets | 60.2182% | 3,389 |
| Net loans and leases to deposits | 72.4887% | 3,124 |
| Net loans and leases to core deposits | 79.2454% | 2,898 |
| Total domestic deposits to total assets | 83.0725% | 4,832 |
| Equity capital to assets | 16.1633% | 533 |
| Core capital (leverage) ratio | 15.4398% | 521 |
| Tier 1 risk-based capital ratio | 24.7146% | 927 |
| Total risk-based capital ratio | 25.9796% | 912 |
| Memoranda: | ||
| Average total assets | $148,138,500 | 3,844 |
| Average earning assets | $130,094,500 | 3,936 |
| Average equity | $23,027,500 | 2,915 |
| Average total loans | $88,944,000 | 3,771 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 4,388 |
| Cost of funding earning assets | 0.4192% | 5,792 |
| Net interest margin | 3.8354% | 3,084 |
| Noninterest income to average assets | 0.6318% | 3,098 |
| Noninterest expense to average assets | 3.9527% | 1,033 |
| Loan and lease loss provision to assets | 0.0120% | 5,763 |
| Net operating income to assets | 0.0607% | 6,070 |
| Return on assets (ROA) | 0.0607% | 6,219 |
| Pretax return on assets | 0.1165% | 6,130 |
| Return on Equity (ROE) | 0.3755% | 6,245 |
| Retained earnings to average equity (ytd only) | 0.3755% | 5,665 |
| Net charge-offs to loans | 0.3417% | 2,927 |
| Credit loss provision to net charge-offs | 5.4839% | 5,445 |
| Earnings coverage of net charge-offs (x) | 0.5871% | 5,193 |
| Efficiency ratio | 96.8518% | 671 |
| Assets per employee ($millions) | 3.5671% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5041% | 1,126 |
| Loan loss allowance to noncurrent loans | 30.7008% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 9.8843% | 223 |
| Noncurrent loans to loans | 8.1565% | 352 |
| Net loans and leases to total assets | 56.9352% | 4,129 |
| Net loans and leases to deposits | 67.2214% | 4,098 |
| Net loans and leases to core deposits | 73.1897% | 3,893 |
| Total domestic deposits to total assets | 84.6980% | 3,987 |
| Equity capital to assets | 14.9682% | 743 |
| Core capital (leverage) ratio | 14.7605% | 612 |
| Tier 1 risk-based capital ratio | 24.5615% | 904 |
| Total risk-based capital ratio | 25.8263% | 884 |
| Memoranda: | ||
| Average total assets | $141,649,000 | 3,920 |
| Average earning assets | $127,392,400 | 3,961 |
| Average equity | $22,904,000 | 2,860 |
| Average total loans | $90,718,800 | 3,731 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 3,672 |
| Cost of funding earning assets | 0.4414% | 5,864 |
| Net interest margin | 4.0500% | 2,295 |
| Noninterest income to average assets | 0.6767% | 2,836 |
| Noninterest expense to average assets | 4.3032% | 657 |
| Loan and lease loss provision to assets | -0.0365% | 6,981 |
| Net operating income to assets | 0.0750% | 6,166 |
| Return on assets (ROA) | 0.0750% | 6,305 |
| Pretax return on assets | 0.0788% | 6,299 |
| Return on Equity (ROE) | 0.4543% | 6,349 |
| Retained earnings to average equity (ytd only) | 0.4543% | 5,956 |
| Net charge-offs to loans | 0.2930% | 2,973 |
| Credit loss provision to net charge-offs | -19.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | 0.2200% | 5,217 |
| Efficiency ratio | 99.0268% | 569 |
| Assets per employee ($millions) | 3.1953% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6050% | 1,075 |
| Loan loss allowance to noncurrent loans | 29.4918% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 11.3882% | 179 |
| Noncurrent loans to loans | 8.8331% | 320 |
| Net loans and leases to total assets | 62.5312% | 3,295 |
| Net loans and leases to deposits | 75.5458% | 3,050 |
| Net loans and leases to core deposits | 82.1290% | 2,949 |
| Total domestic deposits to total assets | 82.7725% | 4,734 |
| Equity capital to assets | 16.7041% | 500 |
| Core capital (leverage) ratio | 15.8685% | 495 |
| Tier 1 risk-based capital ratio | 25.1629% | 892 |
| Total risk-based capital ratio | 26.4289% | 881 |
| Memoranda: | ||
| Average total assets | $138,715,000 | 4,011 |
| Average earning assets | $125,658,000 | 4,024 |
| Average equity | $22,890,250 | 2,887 |
| Average total loans | $91,005,250 | 3,763 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3819% | 4,256 |
| Cost of funding earning assets | 0.4538% | 5,946 |
| Net interest margin | 3.9281% | 2,802 |
| Noninterest income to average assets | 0.7574% | 2,384 |
| Noninterest expense to average assets | 4.2528% | 686 |
| Loan and lease loss provision to assets | 0.0244% | 5,362 |
| Net operating income to assets | 0.0460% | 6,261 |
| Return on assets (ROA) | 0.0460% | 6,401 |
| Pretax return on assets | 0.0503% | 6,389 |
| Return on Equity (ROE) | 0.2798% | 6,424 |
| Retained earnings to average equity (ytd only) | 0.2798% | 5,951 |
| Net charge-offs to loans | 0.7005% | 1,582 |
| Credit loss provision to net charge-offs | 5.2795% | 4,782 |
| Earnings coverage of net charge-offs (x) | 0.1615% | 4,989 |
| Efficiency ratio | 98.2730% | 613 |
| Assets per employee ($millions) | 3.3177% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5402% | 1,230 |
| Loan loss allowance to noncurrent loans | 32.5836% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 10.0364% | 262 |
| Noncurrent loans to loans | 7.7960% | 450 |
| Net loans and leases to total assets | 59.9996% | 3,821 |
| Net loans and leases to deposits | 71.8027% | 3,642 |
| Net loans and leases to core deposits | 77.1114% | 3,641 |
| Total domestic deposits to total assets | 83.5617% | 4,504 |
| Equity capital to assets | 16.0555% | 571 |
| Core capital (leverage) ratio | 14.8485% | 627 |
| Tier 1 risk-based capital ratio | 25.2903% | 873 |
| Total risk-based capital ratio | 26.5563% | 858 |
| Memoranda: | ||
| Average total assets | $139,154,330 | 4,027 |
| Average earning assets | $126,474,000 | 4,022 |
| Average equity | $22,870,000 | 2,869 |
| Average total loans | $91,935,670 | 3,756 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 3,874 |
| Cost of funding earning assets | 0.4837% | 5,915 |
| Net interest margin | 4.0258% | 2,395 |
| Noninterest income to average assets | 0.4250% | 4,482 |
| Noninterest expense to average assets | 4.1776% | 763 |
| Loan and lease loss provision to assets | 0.0495% | 4,789 |
| Net operating income to assets | -0.1194% | 6,561 |
| Return on assets (ROA) | -0.1194% | 6,633 |
| Pretax return on assets | -0.1194% | 6,610 |
| Return on Equity (ROE) | -0.7176% | 6,604 |
| Retained earnings to average equity (ytd only) | -0.7176% | 6,114 |
| Net charge-offs to loans | 0.4171% | 2,053 |
| Credit loss provision to net charge-offs | 17.3469% | 3,814 |
| Earnings coverage of net charge-offs (x) | -0.2449% | 4,454 |
| Efficiency ratio | 101.7009% | 501 |
| Assets per employee ($millions) | 3.1665% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6858% | 1,128 |
| Loan loss allowance to noncurrent loans | 47.5683% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 9.1923% | 374 |
| Noncurrent loans to loans | 5.6461% | 930 |
| Net loans and leases to total assets | 65.3307% | 2,591 |
| Net loans and leases to deposits | 78.7655% | 2,374 |
| Net loans and leases to core deposits | 85.4512% | 2,353 |
| Total domestic deposits to total assets | 82.9433% | 4,953 |
| Equity capital to assets | 16.7688% | 465 |
| Core capital (leverage) ratio | 15.4564% | 536 |
| Tier 1 risk-based capital ratio | 24.3809% | 966 |
| Total risk-based capital ratio | 25.6490% | 949 |
| Memoranda: | ||
| Average total assets | $137,401,000 | 4,083 |
| Average earning assets | $125,688,000 | 4,070 |
| Average equity | $22,852,500 | 2,868 |
| Average total loans | $93,990,000 | 3,736 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0055% | 2,855 |
| Cost of funding earning assets | 0.4463% | 6,740 |
| Net interest margin | 4.5592% | 998 |
| Noninterest income to average assets | 0.5699% | 3,367 |
| Noninterest expense to average assets | 5.1911% | 336 |
| Loan and lease loss provision to assets | 3.5117% | 81 |
| Net operating income to assets | -3.1803% | 7,204 |
| Return on assets (ROA) | -3.1803% | 7,204 |
| Pretax return on assets | -3.8875% | 7,266 |
| Return on Equity (ROE) | -15.5146% | 6,899 |
| Retained earnings to average equity (ytd only) | -15.5146% | 6,880 |
| Net charge-offs to loans | 3.9935% | 153 |
| Credit loss provision to net charge-offs | 120.5245% | 2,644 |
| Earnings coverage of net charge-offs (x) | -0.1290% | 5,910 |
| Efficiency ratio | 107.8044% | 480 |
| Assets per employee ($millions) | 3.2243% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6260% | 1,160 |
| Loan loss allowance to noncurrent loans | 28.4496% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 8.1280% | 492 |
| Noncurrent loans to loans | 9.2304% | 374 |
| Net loans and leases to total assets | 67.8255% | 2,437 |
| Net loans and leases to deposits | 81.4842% | 2,273 |
| Net loans and leases to core deposits | 88.4038% | 2,335 |
| Total domestic deposits to total assets | 83.2376% | 4,655 |
| Equity capital to assets | 16.4976% | 516 |
| Core capital (leverage) ratio | 15.5141% | 524 |
| Tier 1 risk-based capital ratio | 22.9443% | 1,108 |
| Total risk-based capital ratio | 24.2113% | 1,087 |
| Memoranda: | ||
| Average total assets | $128,257,800 | 4,210 |
| Average earning assets | $119,429,200 | 4,142 |
| Average equity | $26,291,400 | 2,456 |
| Average total loans | $93,577,400 | 3,772 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7143% | 832 |
| Cost of funding earning assets | 0.4470% | 6,889 |
| Net interest margin | 5.2673% | 261 |
| Noninterest income to average assets | 0.5401% | 3,584 |
| Noninterest expense to average assets | 4.5529% | 551 |
| Loan and lease loss provision to assets | 0.0053% | 6,358 |
| Net operating income to assets | 0.5422% | 4,351 |
| Return on assets (ROA) | 0.5422% | 4,537 |
| Pretax return on assets | 0.8828% | 3,833 |
| Return on Equity (ROE) | 2.5098% | 5,618 |
| Retained earnings to average equity (ytd only) | 2.5098% | 4,861 |
| Net charge-offs to loans | 0.1594% | 4,504 |
| Credit loss provision to net charge-offs | 4.5045% | 5,708 |
| Earnings coverage of net charge-offs (x) | 7.5403% | 2,346 |
| Efficiency ratio | 83.6778% | 1,764 |
| Assets per employee ($millions) | 2.8420% | 6,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 3,009 |
| Loan loss allowance to noncurrent loans | 19.4526% | 6,695 |
| Noncurrent assets plus other real estate owned to assets | 9.2940% | 412 |
| Noncurrent loans to loans | 9.1646% | 416 |
| Net loans and leases to total assets | 74.9705% | 1,145 |
| Net loans and leases to deposits | 96.9780% | 642 |
| Net loans and leases to core deposits | 109.4493% | 702 |
| Total domestic deposits to total assets | 77.3067% | 6,330 |
| Equity capital to assets | 22.4723% | 155 |
| Core capital (leverage) ratio | 20.4304% | 200 |
| Tier 1 risk-based capital ratio | 28.4765% | 624 |
| Total risk-based capital ratio | 29.7324% | 615 |
| Memoranda: | ||
| Average total assets | $125,661,250 | 4,283 |
| Average earning assets | $116,920,500 | 4,224 |
| Average equity | $27,146,000 | 2,386 |
| Average total loans | $92,828,750 | 3,822 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0782% | 2,784 |
| Cost of funding earning assets | 0.4804% | 6,916 |
| Net interest margin | 4.5978% | 912 |
| Noninterest income to average assets | 0.5615% | 3,390 |
| Noninterest expense to average assets | 4.1968% | 836 |
| Loan and lease loss provision to assets | 0.1419% | 4,528 |
| Net operating income to assets | 0.3154% | 5,307 |
| Return on assets (ROA) | 0.3154% | 5,448 |
| Pretax return on assets | 0.5094% | 5,034 |
| Return on Equity (ROE) | 1.4793% | 5,945 |
| Retained earnings to average equity (ytd only) | 1.4793% | 5,242 |
| Net charge-offs to loans | 0.1036% | 4,649 |
| Credit loss provision to net charge-offs | 187.5000% | 1,611 |
| Earnings coverage of net charge-offs (x) | 8.6042% | 2,035 |
| Efficiency ratio | 86.5647% | 1,544 |
| Assets per employee ($millions) | 2.9305% | 6,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9493% | 2,516 |
| Loan loss allowance to noncurrent loans | 16.1538% | 6,832 |
| Noncurrent assets plus other real estate owned to assets | 11.2144% | 297 |
| Noncurrent loans to loans | 12.0673% | 250 |
| Net loans and leases to total assets | 74.0094% | 1,416 |
| Net loans and leases to deposits | 95.2955% | 779 |
| Net loans and leases to core deposits | 107.4628% | 839 |
| Total domestic deposits to total assets | 77.6630% | 6,349 |
| Equity capital to assets | 22.0599% | 178 |
| Core capital (leverage) ratio | 21.1335% | 183 |
| Tier 1 risk-based capital ratio | 28.2707% | 643 |
| Total risk-based capital ratio | 29.5288% | 626 |
| Memoranda: | ||
| Average total assets | $126,812,330 | 4,289 |
| Average earning assets | $118,230,000 | 4,227 |
| Average equity | $27,040,330 | 2,380 |
| Average total loans | $92,677,330 | 3,870 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9516% | 3,322 |
| Cost of funding earning assets | 0.5402% | 6,831 |
| Net interest margin | 4.4114% | 1,253 |
| Noninterest income to average assets | 0.5160% | 3,755 |
| Noninterest expense to average assets | 4.1686% | 846 |
| Loan and lease loss provision to assets | 0.1399% | 4,256 |
| Net operating income to assets | 0.2021% | 5,778 |
| Return on assets (ROA) | 0.2021% | 5,838 |
| Pretax return on assets | 0.3202% | 5,594 |
| Return on Equity (ROE) | 0.9635% | 6,145 |
| Retained earnings to average equity (ytd only) | 0.9635% | 5,445 |
| Net charge-offs to loans | 1.0760% | 1,277 |
| Credit loss provision to net charge-offs | 18.0723% | 4,274 |
| Earnings coverage of net charge-offs (x) | 0.5944% | 4,181 |
| Efficiency ratio | 90.0604% | 1,328 |
| Assets per employee ($millions) | 2.9585% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 3,347 |
| Loan loss allowance to noncurrent loans | 15.6250% | 6,902 |
| Noncurrent assets plus other real estate owned to assets | 10.3579% | 384 |
| Noncurrent loans to loans | 10.8659% | 345 |
| Net loans and leases to total assets | 74.7022% | 1,236 |
| Net loans and leases to deposits | 96.4574% | 661 |
| Net loans and leases to core deposits | 108.8941% | 792 |
| Total domestic deposits to total assets | 77.4458% | 6,460 |
| Equity capital to assets | 22.2731% | 162 |
| Core capital (leverage) ratio | 18.6085% | 291 |
| Tier 1 risk-based capital ratio | 28.1979% | 619 |
| Total risk-based capital ratio | 29.4533% | 608 |
| Memoranda: | ||
| Average total assets | $128,677,000 | 4,289 |
| Average earning assets | $119,961,500 | 4,223 |
| Average equity | $26,984,500 | 2,377 |
| Average total loans | $92,564,000 | 3,907 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8214% | 5,342 |
| Cost of funding earning assets | 0.9843% | 5,762 |
| Net interest margin | 3.8371% | 3,792 |
| Noninterest income to average assets | 0.4321% | 4,665 |
| Noninterest expense to average assets | 3.4317% | 2,351 |
| Loan and lease loss provision to assets | 1.4964% | 990 |
| Net operating income to assets | -1.0294% | 6,700 |
| Return on assets (ROA) | -1.0294% | 6,735 |
| Pretax return on assets | -1.3360% | 6,796 |
| Return on Equity (ROE) | -5.3944% | 6,466 |
| Retained earnings to average equity (ytd only) | -7.1527% | 6,467 |
| Net charge-offs to loans | 1.2268% | 1,830 |
| Credit loss provision to net charge-offs | 196.6490% | 1,612 |
| Earnings coverage of net charge-offs (x) | 0.2108% | 5,895 |
| Efficiency ratio | 95.5352% | 986 |
| Assets per employee ($millions) | 3.3184% | 5,393 |
| Cash dividends to net income (ytd only)* | -32.5945% | 7,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9032% | 2,554 |
| Loan loss allowance to noncurrent loans | 16.3569% | 6,937 |
| Noncurrent assets plus other real estate owned to assets | 9.5939% | 445 |
| Noncurrent loans to loans | 11.6353% | 314 |
| Net loans and leases to total assets | 67.0178% | 3,221 |
| Net loans and leases to deposits | 83.9836% | 2,451 |
| Net loans and leases to core deposits | 94.5067% | 2,200 |
| Total domestic deposits to total assets | 79.7986% | 5,888 |
| Equity capital to assets | 19.8096% | 270 |
| Core capital (leverage) ratio | 17.3491% | 373 |
| Tier 1 risk-based capital ratio | 27.9203% | 614 |
| Total risk-based capital ratio | 29.1778% | 596 |
| Memoranda: | ||
| Average total assets | $149,023,400 | 3,891 |
| Average earning assets | $122,724,400 | 4,171 |
| Average equity | $28,436,800 | 2,290 |
| Average total loans | $92,438,000 | 3,995 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8892% | 5,315 |
| Cost of funding earning assets | 1.0856% | 5,517 |
| Net interest margin | 3.8036% | 3,962 |
| Noninterest income to average assets | 0.4361% | 4,666 |
| Noninterest expense to average assets | 3.2758% | 2,655 |
| Loan and lease loss provision to assets | 0.8406% | 1,809 |
| Net operating income to assets | -0.5184% | 6,606 |
| Return on assets (ROA) | -0.5184% | 6,654 |
| Pretax return on assets | -0.6462% | 6,645 |
| Return on Equity (ROE) | -2.7399% | 6,472 |
| Retained earnings to average equity (ytd only) | -2.7399% | 6,320 |
| Net charge-offs to loans | 1.6321% | 1,212 |
| Credit loss provision to net charge-offs | 84.9558% | 4,967 |
| Earnings coverage of net charge-offs (x) | 0.1965% | 5,817 |
| Efficiency ratio | 94.3982% | 983 |
| Assets per employee ($millions) | 3.6691% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5509% | 7,409 |
| Loan loss allowance to noncurrent loans | 4.7014% | 7,238 |
| Noncurrent assets plus other real estate owned to assets | 8.1273% | 612 |
| Noncurrent loans to loans | 11.7172% | 309 |
| Net loans and leases to total assets | 60.3642% | 4,836 |
| Net loans and leases to deposits | 74.8621% | 4,367 |
| Net loans and leases to core deposits | 83.2748% | 4,055 |
| Total domestic deposits to total assets | 80.6338% | 5,507 |
| Equity capital to assets | 18.8750% | 356 |
| Core capital (leverage) ratio | 17.5193% | 384 |
| Tier 1 risk-based capital ratio | 30.2199% | 501 |
| Total risk-based capital ratio | 30.7596% | 528 |
| Memoranda: | ||
| Average total assets | $152,265,500 | 3,895 |
| Average earning assets | $121,462,250 | 4,253 |
| Average equity | $28,808,000 | 2,287 |
| Average total loans | $92,310,000 | 4,068 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0357% | 4,765 |
| Cost of funding earning assets | 1.2205% | 5,013 |
| Net interest margin | 3.8152% | 3,834 |
| Noninterest income to average assets | 0.4631% | 4,414 |
| Noninterest expense to average assets | 3.2523% | 2,721 |
| Loan and lease loss provision to assets | 0.1701% | 5,173 |
| Net operating income to assets | -0.0419% | 6,139 |
| Return on assets (ROA) | -0.0419% | 6,227 |
| Pretax return on assets | -0.1047% | 6,251 |
| Return on Equity (ROE) | -0.2211% | 6,209 |
| Retained earnings to average equity (ytd only) | -0.2211% | 5,776 |
| Net charge-offs to loans | 0.1986% | 4,417 |
| Credit loss provision to net charge-offs | 141.3043% | 2,826 |
| Earnings coverage of net charge-offs (x) | 0.5435% | 5,191 |
| Efficiency ratio | 98.0284% | 878 |
| Assets per employee ($millions) | 3.9806% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7774% | 7,084 |
| Loan loss allowance to noncurrent loans | 6.2787% | 7,300 |
| Noncurrent assets plus other real estate owned to assets | 8.3605% | 566 |
| Noncurrent loans to loans | 12.3810% | 263 |
| Net loans and leases to total assets | 56.9961% | 5,564 |
| Net loans and leases to deposits | 70.0674% | 5,271 |
| Net loans and leases to core deposits | 75.8276% | 5,216 |
| Total domestic deposits to total assets | 81.3446% | 5,275 |
| Equity capital to assets | 18.1843% | 402 |
| Core capital (leverage) ratio | 16.8245% | 458 |
| Tier 1 risk-based capital ratio | 30.0924% | 504 |
| Total risk-based capital ratio | 30.8372% | 517 |
| Memoranda: | ||
| Average total assets | $152,876,670 | 3,905 |
| Average earning assets | $114,384,000 | 4,447 |
| Average equity | $28,946,000 | 2,265 |
| Average total loans | $92,643,330 | 4,091 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4133% | 2,973 |
| Cost of funding earning assets | 1.4869% | 3,641 |
| Net interest margin | 3.9264% | 3,216 |
| Noninterest income to average assets | 0.5264% | 3,847 |
| Noninterest expense to average assets | 3.3400% | 2,390 |
| Loan and lease loss provision to assets | 0.1603% | 4,927 |
| Net operating income to assets | -0.2351% | 6,584 |
| Return on assets (ROA) | -0.2351% | 6,654 |
| Pretax return on assets | -0.4409% | 6,748 |
| Return on Equity (ROE) | -1.2162% | 6,549 |
| Retained earnings to average equity (ytd only) | -1.2162% | 6,084 |
| Net charge-offs to loans | 0.3947% | 2,859 |
| Credit loss provision to net charge-offs | 65.2174% | 4,198 |
| Earnings coverage of net charge-offs (x) | -1.1413% | 5,402 |
| Efficiency ratio | 109.1703% | 621 |
| Assets per employee ($millions) | 3.9146% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 7,369 |
| Loan loss allowance to noncurrent loans | 5.1979% | 7,383 |
| Noncurrent assets plus other real estate owned to assets | 8.8508% | 513 |
| Noncurrent loans to loans | 13.1309% | 242 |
| Net loans and leases to total assets | 59.5687% | 5,190 |
| Net loans and leases to deposits | 73.4160% | 4,839 |
| Net loans and leases to core deposits | 79.6072% | 4,810 |
| Total domestic deposits to total assets | 81.1386% | 5,406 |
| Equity capital to assets | 18.4553% | 381 |
| Core capital (leverage) ratio | 18.2507% | 359 |
| Tier 1 risk-based capital ratio | 28.9564% | 585 |
| Total risk-based capital ratio | 29.6037% | 600 |
| Memoranda: | ||
| Average total assets | $149,702,500 | 4,012 |
| Average earning assets | $96,576,500 | 4,968 |
| Average equity | $28,942,000 | 2,297 |
| Average total loans | $93,233,500 | 4,138 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2399% | 194 |
| Cost of funding earning assets | 1.0495% | 7,101 |
| Net interest margin | 6.1905% | 98 |
| Noninterest income to average assets | 0.4964% | 4,447 |
| Noninterest expense to average assets | 4.0784% | 1,261 |
| Loan and lease loss provision to assets | 0.1437% | 6,204 |
| Net operating income to assets | 0.6130% | 3,283 |
| Return on assets (ROA) | 0.6130% | 3,353 |
| Pretax return on assets | 1.0623% | 2,369 |
| Return on Equity (ROE) | 2.6577% | 4,641 |
| Retained earnings to average equity (ytd only) | -1.6680% | 5,430 |
| Net charge-offs to loans | 0.1685% | 5,603 |
| Credit loss provision to net charge-offs | 114.6497% | 4,773 |
| Earnings coverage of net charge-offs (x) | 9.6242% | 1,774 |
| Efficiency ratio | 77.1787% | 3,331 |
| Assets per employee ($millions) | 3.5705% | 4,844 |
| Cash dividends to net income (ytd only)* | 162.7604% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 7,318 |
| Loan loss allowance to noncurrent loans | 6.8877% | 7,406 |
| Noncurrent assets plus other real estate owned to assets | 7.9106% | 577 |
| Noncurrent loans to loans | 10.5574% | 371 |
| Net loans and leases to total assets | 64.3309% | 4,529 |
| Net loans and leases to deposits | 81.2081% | 3,763 |
| Net loans and leases to core deposits | 112.5363% | 2,640 |
| Total domestic deposits to total assets | 79.2173% | 5,929 |
| Equity capital to assets | 20.2953% | 280 |
| Core capital (leverage) ratio | 18.2119% | 386 |
| Tier 1 risk-based capital ratio | 29.5439% | 549 |
| Total risk-based capital ratio | 30.2352% | 564 |
| Memoranda: | ||
| Average total assets | $125,293,600 | 4,440 |
| Average earning assets | $96,906,800 | 4,929 |
| Average equity | $28,896,800 | 2,309 |
| Average total loans | $93,179,400 | 4,127 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9719% | 315 |
| Cost of funding earning assets | 0.9270% | 7,517 |
| Net interest margin | 6.0448% | 108 |
| Noninterest income to average assets | 0.5469% | 4,107 |
| Noninterest expense to average assets | 4.2487% | 977 |
| Loan and lease loss provision to assets | 0.1489% | 5,866 |
| Net operating income to assets | 0.6241% | 3,521 |
| Return on assets (ROA) | 0.6241% | 3,571 |
| Pretax return on assets | 1.0101% | 2,873 |
| Return on Equity (ROE) | 2.6136% | 4,944 |
| Retained earnings to average equity (ytd only) | -3.1584% | 5,967 |
| Net charge-offs to loans | 0.0314% | 6,452 |
| Credit loss provision to net charge-offs | 613.6364% | 621 |
| Earnings coverage of net charge-offs (x) | 47.7770% | 663 |
| Efficiency ratio | 78.5685% | 3,067 |
| Assets per employee ($millions) | 3.4795% | 4,980 |
| Cash dividends to net income (ytd only)* | 220.8481% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7933% | 7,145 |
| Loan loss allowance to noncurrent loans | 13.8702% | 7,365 |
| Noncurrent assets plus other real estate owned to assets | 3.8561% | 1,671 |
| Noncurrent loans to loans | 5.7192% | 1,076 |
| Net loans and leases to total assets | 66.8886% | 4,216 |
| Net loans and leases to deposits | 84.4599% | 3,577 |
| Net loans and leases to core deposits | 108.9753% | 3,346 |
| Total domestic deposits to total assets | 79.1957% | 5,737 |
| Equity capital to assets | 20.1769% | 329 |
| Core capital (leverage) ratio | 21.1046% | 257 |
| Tier 1 risk-based capital ratio | 28.7630% | 633 |
| Total risk-based capital ratio | 29.5333% | 651 |
| Memoranda: | ||
| Average total assets | $120,911,750 | 4,571 |
| Average earning assets | $97,226,500 | 4,949 |
| Average equity | $28,874,500 | 2,329 |
| Average total loans | $93,336,500 | 4,166 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8628% | 403 |
| Cost of funding earning assets | 0.8035% | 7,814 |
| Net interest margin | 6.0593% | 104 |
| Noninterest income to average assets | 0.5983% | 3,712 |
| Noninterest expense to average assets | 4.5784% | 716 |
| Loan and lease loss provision to assets | 0.1584% | 5,488 |
| Net operating income to assets | 0.6071% | 3,647 |
| Return on assets (ROA) | 0.6071% | 3,757 |
| Pretax return on assets | 1.0100% | 2,972 |
| Return on Equity (ROE) | 2.3872% | 5,142 |
| Retained earnings to average equity (ytd only) | -6.2620% | 6,487 |
| Net charge-offs to loans | -0.0888% | 7,935 |
| Credit loss provision to net charge-offs | -219.5122% | 6,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6693% | 3,102 |
| Assets per employee ($millions) | 2.9896% | 6,163 |
| Cash dividends to net income (ytd only)* | 362.3188% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8547% | 6,960 |
| Loan loss allowance to noncurrent loans | 16.7849% | 7,294 |
| Noncurrent assets plus other real estate owned to assets | 3.7961% | 1,601 |
| Noncurrent loans to loans | 5.0921% | 1,191 |
| Net loans and leases to total assets | 73.9119% | 2,726 |
| Net loans and leases to deposits | 96.9439% | 1,661 |
| Net loans and leases to core deposits | 124.5563% | 1,975 |
| Total domestic deposits to total assets | 76.2419% | 6,501 |
| Equity capital to assets | 23.3028% | 241 |
| Core capital (leverage) ratio | 20.9521% | 318 |
| Tier 1 risk-based capital ratio | 29.7851% | 614 |
| Total risk-based capital ratio | 30.6079% | 623 |
| Memoranda: | ||
| Average total assets | $113,663,000 | 4,780 |
| Average earning assets | $96,579,000 | 4,989 |
| Average equity | $28,904,670 | 2,339 |
| Average total loans | $92,387,000 | 4,220 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8222% | 465 |
| Cost of funding earning assets | 0.5008% | 8,100 |
| Net interest margin | 6.3214% | 82 |
| Noninterest income to average assets | 0.5567% | 3,866 |
| Noninterest expense to average assets | 4.7396% | 577 |
| Loan and lease loss provision to assets | 0.1648% | 4,821 |
| Net operating income to assets | 0.7875% | 3,181 |
| Return on assets (ROA) | 0.7875% | 3,346 |
| Pretax return on assets | 1.2929% | 2,306 |
| Return on Equity (ROE) | 2.9578% | 5,389 |
| Retained earnings to average equity (ytd only) | -10.7995% | 7,185 |
| Net charge-offs to loans | -0.1765% | 7,995 |
| Credit loss provision to net charge-offs | -109.7561% | 6,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4775% | 3,406 |
| Assets per employee ($millions) | 2.8550% | 6,518 |
| Cash dividends to net income (ytd only)* | 465.1163% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7966% | 7,167 |
| Loan loss allowance to noncurrent loans | 18.2994% | 7,248 |
| Noncurrent assets plus other real estate owned to assets | 3.8075% | 1,386 |
| Noncurrent loans to loans | 4.3533% | 1,339 |
| Net loans and leases to total assets | 86.7647% | 360 |
| Net loans and leases to deposits | 119.8439% | 293 |
| Net loans and leases to core deposits | 145.7771% | 874 |
| Total domestic deposits to total assets | 72.3981% | 7,153 |
| Equity capital to assets | 27.1532% | 181 |
| Core capital (leverage) ratio | 26.1850% | 205 |
| Tier 1 risk-based capital ratio | 29.6085% | 643 |
| Total risk-based capital ratio | 30.3746% | 661 |
| Memoranda: | ||
| Average total assets | $109,208,000 | 4,923 |
| Average earning assets | $97,447,000 | 4,994 |
| Average equity | $29,075,500 | 2,339 |
| Average total loans | $92,892,000 | 4,233 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9514% | 1,256 |
| Cost of funding earning assets | 0.6873% | 8,154 |
| Net interest margin | 6.2641% | 87 |
| Noninterest income to average assets | 0.5609% | 4,154 |
| Noninterest expense to average assets | 4.3750% | 972 |
| Loan and lease loss provision to assets | 0.0804% | 6,392 |
| Net operating income to assets | 1.0361% | 2,412 |
| Return on assets (ROA) | 1.0361% | 2,302 |
| Pretax return on assets | 1.6712% | 1,213 |
| Return on Equity (ROE) | 4.0565% | 4,800 |
| Retained earnings to average equity (ytd only) | 0.6362% | 4,856 |
| Net charge-offs to loans | 0.1086% | 5,194 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 21.7935% | 1,508 |
| Efficiency ratio | 71.4102% | 4,051 |
| Assets per employee ($millions) | 2.6228% | 6,953 |
| Cash dividends to net income (ytd only)* | 84.3170% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6960% | 7,436 |
| Loan loss allowance to noncurrent loans | 14.6035% | 7,407 |
| Noncurrent assets plus other real estate owned to assets | 3.9466% | 1,054 |
| Noncurrent loans to loans | 4.7658% | 963 |
| Net loans and leases to total assets | 82.2339% | 1,186 |
| Net loans and leases to deposits | 111.8434% | 715 |
| Net loans and leases to core deposits | 127.8430% | 2,011 |
| Total domestic deposits to total assets | 73.5259% | 6,734 |
| Equity capital to assets | 26.1283% | 242 |
| Core capital (leverage) ratio | 24.8187% | 267 |
| Tier 1 risk-based capital ratio | 29.9825% | 646 |
| Total risk-based capital ratio | 30.6492% | 659 |
| Memoranda: | ||
| Average total assets | $114,467,800 | 4,661 |
| Average earning assets | $101,706,400 | 4,761 |
| Average equity | $29,236,800 | 2,312 |
| Average total loans | $84,684,800 | 4,374 |