Home > Charis Bank > Performance and Condition Ratios
Charis Bank, 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 | 5.8860% | 366 |
| Cost of funding earning assets | 1.9739% | 316 |
| Net interest margin | 3.9121% | 1,459 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 5.9832% | 181 |
| Loan and lease loss provision to assets | 0.4400% | 177 |
| Net operating income to assets | -2.4575% | 4,658 |
| Return on assets (ROA) | -2.4575% | 4,654 |
| Pretax return on assets | -2.6893% | 4,645 |
| Return on Equity (ROE) | -18.3500% | 4,631 |
| Retained earnings to average equity (ytd only) | -18.3528% | 4,583 |
| Net charge-offs to loans | 1.1440% | 70 |
| Credit loss provision to net charge-offs | 62.2222% | 1,275 |
| Earnings coverage of net charge-offs (x) | -3.1933% | 4,654 |
| Efficiency ratio | 157.3227% | 37 |
| Assets per employee ($millions) | 13.2814% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 3,122 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.0000% | 2,871 |
| Net loans and leases to deposits | 67.6476% | 2,799 |
| Net loans and leases to core deposits | 74.0594% | 2,672 |
| Total domestic deposits to total assets | 85.7400% | 2,666 |
| Equity capital to assets | 13.2406% | 706 |
| Core capital (leverage) ratio | 11.1745% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2591% | 1,314 |
| Memoranda: | ||
| Average total assets | $255,383,500 | 2,694 |
| Average earning assets | $235,474,500 | 2,699 |
| Average equity | $34,196,500 | 2,109 |
| Average total loans | $157,338,500 | 2,646 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6842% | 2,570 |
| Cost of funding earning assets | 0.6734% | 663 |
| Net interest margin | 3.0107% | 3,423 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 2.0655% | 3,399 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.8313% | 3,220 |
| Return on assets (ROA) | 0.8313% | 3,142 |
| Pretax return on assets | 0.8313% | 3,545 |
| Return on Equity (ROE) | 6.7500% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.7524% | 2,340 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.4211% | 2,160 |
| Assets per employee ($millions) | 13.6011% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,053 |
| Loan loss allowance to noncurrent loans | 395.3333% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 2,323 |
| Noncurrent loans to loans | 0.2699% | 2,186 |
| Net loans and leases to total assets | 63.8200% | 2,261 |
| Net loans and leases to deposits | 74.2674% | 2,236 |
| Net loans and leases to core deposits | 82.2039% | 1,992 |
| Total domestic deposits to total assets | 85.9400% | 2,747 |
| Equity capital to assets | 13.5364% | 624 |
| Core capital (leverage) ratio | 11.3121% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3925% | 1,267 |
| Memoranda: | ||
| Average total assets | $271,260,200 | 2,599 |
| Average earning assets | $258,077,200 | 2,559 |
| Average equity | $33,395,600 | 2,182 |
| Average total loans | $157,647,400 | 2,557 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0632% | 3,760 |
| Cost of funding earning assets | 0.4903% | 785 |
| Net interest margin | 2.5728% | 4,132 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 2.0548% | 3,338 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.4897% | 4,099 |
| Return on assets (ROA) | 0.4897% | 4,048 |
| Pretax return on assets | 0.4897% | 4,167 |
| Return on Equity (ROE) | 4.0700% | 4,142 |
| Retained earnings to average equity (ytd only) | 4.0727% | 3,418 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.7925% | 1,096 |
| Assets per employee ($millions) | 13.8074% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 3,395 |
| Loan loss allowance to noncurrent loans | 375.7778% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 2,473 |
| Noncurrent loans to loans | 0.2704% | 2,294 |
| Net loans and leases to total assets | 59.6500% | 2,540 |
| Net loans and leases to deposits | 68.1067% | 2,528 |
| Net loans and leases to core deposits | 74.6207% | 2,306 |
| Total domestic deposits to total assets | 87.5900% | 2,562 |
| Equity capital to assets | 12.2160% | 837 |
| Core capital (leverage) ratio | 10.4628% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6808% | 1,509 |
| Memoranda: | ||
| Average total assets | $274,470,000 | 2,596 |
| Average earning assets | $265,383,000 | 2,537 |
| Average equity | $32,999,250 | 2,230 |
| Average total loans | $155,381,250 | 2,583 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4906% | 4,384 |
| Cost of funding earning assets | 0.3278% | 1,458 |
| Net interest margin | 2.1629% | 4,476 |
| Noninterest income to average assets | 0.0840% | 4,545 |
| Noninterest expense to average assets | 2.0518% | 3,291 |
| Loan and lease loss provision to assets | 0.0241% | 2,163 |
| Net operating income to assets | 0.0993% | 4,513 |
| Return on assets (ROA) | 0.0993% | 4,481 |
| Pretax return on assets | 0.0993% | 4,489 |
| Return on Equity (ROE) | 0.8304% | 4,479 |
| Retained earnings to average equity (ytd only) | 0.8304% | 4,029 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5603% | 428 |
| Assets per employee ($millions) | 13.2654% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 3,327 |
| Loan loss allowance to noncurrent loans | 181.8381% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 1,686 |
| Noncurrent loans to loans | 0.5826% | 1,451 |
| Net loans and leases to total assets | 55.7242% | 2,786 |
| Net loans and leases to deposits | 63.2674% | 2,783 |
| Net loans and leases to core deposits | 69.3432% | 2,539 |
| Total domestic deposits to total assets | 88.0771% | 2,543 |
| Equity capital to assets | 11.7965% | 940 |
| Core capital (leverage) ratio | 10.4963% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1969% | 1,391 |
| Memoranda: | ||
| Average total assets | $273,911,000 | 2,621 |
| Average earning assets | $264,833,000 | 2,574 |
| Average equity | $32,754,333 | 2,283 |
| Average total loans | $151,701,667 | 2,625 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2963% | 4,459 |
| Cost of funding earning assets | 0.2987% | 1,673 |
| Net interest margin | 1.9976% | 4,516 |
| Noninterest income to average assets | 0.0781% | 4,582 |
| Noninterest expense to average assets | 2.0767% | 3,234 |
| Loan and lease loss provision to assets | 0.0074% | 2,182 |
| Net operating income to assets | -0.0751% | 4,582 |
| Return on assets (ROA) | -0.0751% | 4,565 |
| Pretax return on assets | -0.0751% | 4,558 |
| Return on Equity (ROE) | -0.6238% | 4,567 |
| Retained earnings to average equity (ytd only) | -0.6238% | 4,101 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1672% | 274 |
| Assets per employee ($millions) | 13.0420% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 3,610 |
| Loan loss allowance to noncurrent loans | 363.1111% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 2,647 |
| Noncurrent loans to loans | 0.2822% | 2,460 |
| Net loans and leases to total assets | 57.6294% | 2,336 |
| Net loans and leases to deposits | 65.5129% | 2,379 |
| Net loans and leases to core deposits | 71.9239% | 2,120 |
| Total domestic deposits to total assets | 87.9664% | 2,538 |
| Equity capital to assets | 11.9303% | 984 |
| Core capital (leverage) ratio | 10.5041% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1746% | 1,730 |
| Memoranda: | ||
| Average total assets | $271,579,500 | 2,652 |
| Average earning assets | $262,513,000 | 2,599 |
| Average equity | $32,700,500 | 2,346 |
| Average total loans | $149,105,000 | 2,638 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7821% | 4,228 |
| Cost of funding earning assets | 0.2504% | 2,931 |
| Net interest margin | 2.5317% | 4,148 |
| Noninterest income to average assets | 0.3720% | 3,202 |
| Noninterest expense to average assets | 2.3434% | 2,678 |
| Loan and lease loss provision to assets | 0.1837% | 619 |
| Net operating income to assets | 0.2558% | 4,475 |
| Return on assets (ROA) | 0.2558% | 4,492 |
| Pretax return on assets | 0.2558% | 4,525 |
| Return on Equity (ROE) | 1.7258% | 4,530 |
| Retained earnings to average equity (ytd only) | 1.7258% | 4,061 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5544% | 835 |
| Assets per employee ($millions) | 12.8227% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,001 |
| Loan loss allowance to noncurrent loans | 362.0000% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 2,763 |
| Noncurrent loans to loans | 0.3244% | 2,429 |
| Net loans and leases to total assets | 50.9180% | 3,181 |
| Net loans and leases to deposits | 58.0975% | 3,249 |
| Net loans and leases to core deposits | 63.5227% | 3,028 |
| Total domestic deposits to total assets | 87.6424% | 2,225 |
| Equity capital to assets | 12.1533% | 1,191 |
| Core capital (leverage) ratio | 11.2087% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8653% | 912 |
| Memoranda: | ||
| Average total assets | $219,342,200 | 2,910 |
| Average earning assets | $208,868,400 | 2,884 |
| Average equity | $32,506,400 | 2,407 |
| Average total loans | $138,579,200 | 2,740 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9413% | 4,102 |
| Cost of funding earning assets | 0.2367% | 3,249 |
| Net interest margin | 2.7046% | 3,962 |
| Noninterest income to average assets | 0.4673% | 2,762 |
| Noninterest expense to average assets | 2.4673% | 2,218 |
| Loan and lease loss provision to assets | 0.2596% | 344 |
| Net operating income to assets | 0.3029% | 4,514 |
| Return on assets (ROA) | 0.3029% | 4,536 |
| Pretax return on assets | 0.3029% | 4,587 |
| Return on Equity (ROE) | 1.9310% | 4,600 |
| Retained earnings to average equity (ytd only) | 1.9310% | 4,205 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8985% | 966 |
| Assets per employee ($millions) | 10.8102% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,708 |
| Loan loss allowance to noncurrent loans | 362.0000% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 2,852 |
| Noncurrent loans to loans | 0.2874% | 2,764 |
| Net loans and leases to total assets | 65.1525% | 1,639 |
| Net loans and leases to deposits | 75.6927% | 1,699 |
| Net loans and leases to core deposits | 83.4989% | 1,463 |
| Total domestic deposits to total assets | 86.0751% | 2,719 |
| Equity capital to assets | 13.7223% | 800 |
| Core capital (leverage) ratio | 12.9006% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8996% | 1,368 |
| Memoranda: | ||
| Average total assets | $206,858,750 | 3,045 |
| Average earning assets | $196,005,250 | 3,022 |
| Average equity | $32,451,500 | 2,438 |
| Average total loans | $138,539,250 | 2,779 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0432% | 3,968 |
| Cost of funding earning assets | 0.2366% | 3,416 |
| Net interest margin | 2.8066% | 3,777 |
| Noninterest income to average assets | 0.5027% | 2,613 |
| Noninterest expense to average assets | 2.5725% | 1,930 |
| Loan and lease loss provision to assets | 0.2880% | 307 |
| Net operating income to assets | 0.2860% | 4,540 |
| Return on assets (ROA) | 0.2860% | 4,560 |
| Pretax return on assets | 0.2860% | 4,597 |
| Return on Equity (ROE) | 1.7351% | 4,619 |
| Retained earnings to average equity (ytd only) | 1.7351% | 4,179 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1669% | 975 |
| Assets per employee ($millions) | 9.6924% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 3,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7930% | 1,023 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 71.2794% | 1,046 |
| Net loans and leases to deposits | 84.9446% | 994 |
| Net loans and leases to core deposits | 95.9023% | 814 |
| Total domestic deposits to total assets | 83.9127% | 3,470 |
| Equity capital to assets | 15.9408% | 418 |
| Core capital (leverage) ratio | 13.7889% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3647% | 1,254 |
| Memoranda: | ||
| Average total assets | $196,536,667 | 3,129 |
| Average earning assets | $185,133,000 | 3,103 |
| Average equity | $32,390,333 | 2,433 |
| Average total loans | $132,526,333 | 2,867 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1255% | 3,839 |
| Cost of funding earning assets | 0.2294% | 3,647 |
| Net interest margin | 2.8961% | 3,540 |
| Noninterest income to average assets | 0.8910% | 1,355 |
| Noninterest expense to average assets | 2.6379% | 1,771 |
| Loan and lease loss provision to assets | 0.1575% | 810 |
| Net operating income to assets | 0.8164% | 3,368 |
| Return on assets (ROA) | 0.8164% | 3,439 |
| Pretax return on assets | 0.8164% | 3,780 |
| Return on Equity (ROE) | 4.8698% | 4,114 |
| Retained earnings to average equity (ytd only) | 4.8698% | 3,265 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9616% | 1,818 |
| Assets per employee ($millions) | 9.6183% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,787 |
| Loan loss allowance to noncurrent loans | 868.0000% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.8907% | 973 |
| Noncurrent loans to loans | 0.1168% | 3,726 |
| Net loans and leases to total assets | 62.9116% | 2,180 |
| Net loans and leases to deposits | 75.0950% | 2,010 |
| Net loans and leases to core deposits | 84.6481% | 1,621 |
| Total domestic deposits to total assets | 83.7760% | 3,502 |
| Equity capital to assets | 16.1195% | 379 |
| Core capital (leverage) ratio | 14.7665% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5103% | 993 |
| Memoranda: | ||
| Average total assets | $193,035,000 | 3,139 |
| Average earning assets | $181,348,500 | 3,120 |
| Average equity | $32,362,500 | 2,424 |
| Average total loans | $125,494,000 | 2,956 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2627% | 4,377 |
| Cost of funding earning assets | 0.2399% | 4,424 |
| Net interest margin | 3.0228% | 3,839 |
| Noninterest income to average assets | 0.2918% | 3,738 |
| Noninterest expense to average assets | 3.5325% | 662 |
| Loan and lease loss provision to assets | 0.6014% | 334 |
| Net operating income to assets | -1.0686% | 4,936 |
| Return on assets (ROA) | -1.0686% | 4,938 |
| Pretax return on assets | -1.0686% | 4,929 |
| Return on Equity (ROE) | -4.5923% | 4,890 |
| Retained earnings to average equity (ytd only) | -4.5923% | 4,826 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6634% | 125 |
| Assets per employee ($millions) | 9.6887% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 1,111 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 65.9418% | 2,098 |
| Net loans and leases to deposits | 80.0867% | 1,858 |
| Net loans and leases to core deposits | 82.1295% | 2,182 |
| Total domestic deposits to total assets | 82.3381% | 3,583 |
| Equity capital to assets | 17.4734% | 302 |
| Core capital (leverage) ratio | 17.8253% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7715% | 797 |
| Memoranda: | ||
| Average total assets | $140,836,800 | 3,496 |
| Average earning assets | $129,218,600 | 3,517 |
| Average equity | $32,772,600 | 2,344 |
| Average total loans | $89,119,200 | 3,411 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3519% | 4,411 |
| Cost of funding earning assets | 0.2636% | 4,459 |
| Net interest margin | 3.0884% | 3,764 |
| Noninterest income to average assets | 0.1918% | 4,327 |
| Noninterest expense to average assets | 3.7469% | 488 |
| Loan and lease loss provision to assets | 0.6699% | 340 |
| Net operating income to assets | -1.4130% | 4,971 |
| Return on assets (ROA) | -1.4130% | 4,971 |
| Pretax return on assets | -1.4130% | 4,963 |
| Return on Equity (ROE) | -5.5803% | 4,920 |
| Retained earnings to average equity (ytd only) | -5.5803% | 4,853 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.4804% | 86 |
| Assets per employee ($millions) | 7.2032% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 3,803 |
| Loan loss allowance to noncurrent loans | 147.9197% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 1.8214% | 412 |
| Noncurrent loans to loans | 0.6588% | 2,142 |
| Net loans and leases to total assets | 72.7230% | 1,552 |
| Net loans and leases to deposits | 93.9935% | 924 |
| Net loans and leases to core deposits | 95.7660% | 1,474 |
| Total domestic deposits to total assets | 77.3703% | 4,278 |
| Equity capital to assets | 22.4159% | 139 |
| Core capital (leverage) ratio | 19.8469% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5168% | 485 |
| Memoranda: | ||
| Average total assets | $130,024,750 | 3,614 |
| Average earning assets | $118,377,000 | 3,632 |
| Average equity | $32,924,250 | 2,327 |
| Average total loans | $80,745,500 | 3,560 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3780% | 4,561 |
| Cost of funding earning assets | 0.2919% | 4,508 |
| Net interest margin | 3.0861% | 3,927 |
| Noninterest income to average assets | 0.1739% | 4,420 |
| Noninterest expense to average assets | 3.9571% | 426 |
| Loan and lease loss provision to assets | 0.7021% | 394 |
| Net operating income to assets | -1.6849% | 5,007 |
| Return on assets (ROA) | -1.6849% | 5,006 |
| Pretax return on assets | -1.6849% | 4,994 |
| Return on Equity (ROE) | -6.3740% | 4,945 |
| Retained earnings to average equity (ytd only) | -6.3740% | 4,827 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.4292% | 76 |
| Assets per employee ($millions) | 6.7270% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 3,857 |
| Loan loss allowance to noncurrent loans | 116.5007% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.9400% | 387 |
| Noncurrent loans to loans | 0.8035% | 1,885 |
| Net loans and leases to total assets | 64.4237% | 2,833 |
| Net loans and leases to deposits | 85.2010% | 1,855 |
| Net loans and leases to core deposits | 86.9585% | 2,356 |
| Total domestic deposits to total assets | 75.6138% | 4,463 |
| Equity capital to assets | 24.2420% | 109 |
| Core capital (leverage) ratio | 21.4265% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9730% | 309 |
| Memoranda: | ||
| Average total assets | $125,345,333 | 3,658 |
| Average earning assets | $113,734,333 | 3,678 |
| Average equity | $33,134,667 | 2,313 |
| Average total loans | $72,394,667 | 3,710 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 4,272 |
| Cost of funding earning assets | 0.3705% | 4,460 |
| Net interest margin | 3.4006% | 3,296 |
| Noninterest income to average assets | 0.1855% | 4,437 |
| Noninterest expense to average assets | 4.0845% | 461 |
| Loan and lease loss provision to assets | 1.0004% | 214 |
| Net operating income to assets | -1.8286% | 5,042 |
| Return on assets (ROA) | -1.8286% | 5,027 |
| Pretax return on assets | -1.8286% | 5,016 |
| Return on Equity (ROE) | -6.6057% | 4,956 |
| Retained earnings to average equity (ytd only) | -6.6057% | 4,617 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.2096% | 114 |
| Assets per employee ($millions) | 5.9163% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 4,215 |
| Loan loss allowance to noncurrent loans | 202.3810% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 1.6518% | 609 |
| Noncurrent loans to loans | 0.4308% | 2,961 |
| Net loans and leases to total assets | 59.3993% | 3,559 |
| Net loans and leases to deposits | 79.7535% | 2,706 |
| Net loans and leases to core deposits | 81.4756% | 3,065 |
| Total domestic deposits to total assets | 74.4787% | 4,623 |
| Equity capital to assets | 25.4690% | 106 |
| Core capital (leverage) ratio | 24.3103% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.7883% | 199 |
| Memoranda: | ||
| Average total assets | $120,749,000 | 3,691 |
| Average earning assets | $109,039,000 | 3,725 |
| Average equity | $33,425,500 | 2,277 |
| Average total loans | $64,761,500 | 3,868 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0232% | 1,417 |
| Cost of funding earning assets | 0.3022% | 4,720 |
| Net interest margin | 4.7210% | 445 |
| Noninterest income to average assets | 0.3963% | 3,319 |
| Noninterest expense to average assets | 5.4332% | 165 |
| Loan and lease loss provision to assets | 0.2257% | 853 |
| Net operating income to assets | -0.9723% | 5,097 |
| Return on assets (ROA) | -0.9723% | 5,101 |
| Pretax return on assets | -1.0345% | 5,097 |
| Return on Equity (ROE) | -3.6647% | 5,060 |
| Retained earnings to average equity (ytd only) | -3.6647% | 4,937 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.1528% | 100 |
| Assets per employee ($millions) | 4.8409% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 4,500 |
| Loan loss allowance to noncurrent loans | 331.5789% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 1.7316% | 531 |
| Noncurrent loans to loans | 0.2212% | 3,657 |
| Net loans and leases to total assets | 45.9422% | 4,524 |
| Net loans and leases to deposits | 66.3545% | 3,935 |
| Net loans and leases to core deposits | 68.1554% | 4,071 |
| Total domestic deposits to total assets | 69.2375% | 4,958 |
| Equity capital to assets | 30.2685% | 68 |
| Core capital (leverage) ratio | 29.3036% | 73 |
| Tier 1 risk-based capital ratio | 50.6178% | 130 |
| Total risk-based capital ratio | 51.2936% | 133 |
| Memoranda: | ||
| Average total assets | $97,917,200 | 4,034 |
| Average earning assets | $87,692,600 | 4,070 |
| Average equity | $25,977,600 | 2,635 |
| Average total loans | $50,280,400 | 4,175 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5475% | 542 |
| Cost of funding earning assets | 0.2943% | 4,811 |
| Net interest margin | 5.2533% | 182 |
| Noninterest income to average assets | 0.3807% | 3,433 |
| Noninterest expense to average assets | 5.3819% | 172 |
| Loan and lease loss provision to assets | 0.1227% | 1,590 |
| Net operating income to assets | -0.3314% | 5,119 |
| Return on assets (ROA) | -0.3314% | 5,128 |
| Pretax return on assets | -0.4174% | 5,131 |
| Return on Equity (ROE) | -1.3030% | 5,104 |
| Retained earnings to average equity (ytd only) | -1.3030% | 4,882 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8060% | 153 |
| Assets per employee ($millions) | 4.0674% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5498% | 4,899 |
| Loan loss allowance to noncurrent loans | 13.3845% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 3.6259% | 131 |
| Noncurrent loans to loans | 4.1074% | 165 |
| Net loans and leases to total assets | 47.1823% | 4,539 |
| Net loans and leases to deposits | 63.5578% | 4,206 |
| Net loans and leases to core deposits | 65.4668% | 4,308 |
| Total domestic deposits to total assets | 74.2352% | 4,803 |
| Equity capital to assets | 25.5692% | 120 |
| Core capital (leverage) ratio | 21.2788% | 189 |
| Tier 1 risk-based capital ratio | 37.6562% | 288 |
| Total risk-based capital ratio | 38.1518% | 301 |
| Memoranda: | ||
| Average total assets | $94,561,500 | 4,127 |
| Average earning assets | $84,720,000 | 4,167 |
| Average equity | $24,046,750 | 2,803 |
| Average total loans | $49,968,000 | 4,234 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0986% | 1,224 |
| Cost of funding earning assets | 0.2628% | 4,921 |
| Net interest margin | 4.8359% | 385 |
| Noninterest income to average assets | 0.2358% | 4,344 |
| Noninterest expense to average assets | 4.9066% | 228 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.2821% | 5,163 |
| Return on assets (ROA) | -0.2821% | 5,171 |
| Pretax return on assets | -0.3326% | 5,170 |
| Return on Equity (ROE) | -1.1072% | 5,144 |
| Retained earnings to average equity (ytd only) | -1.1072% | 4,836 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5983% | 155 |
| Assets per employee ($millions) | 4.5962% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,251 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 2.1866% | 390 |
| Noncurrent loans to loans | 3.8326% | 195 |
| Net loans and leases to total assets | 54.2144% | 4,193 |
| Net loans and leases to deposits | 73.7546% | 3,541 |
| Net loans and leases to core deposits | 76.0182% | 3,728 |
| Total domestic deposits to total assets | 73.5064% | 4,867 |
| Equity capital to assets | 26.2565% | 108 |
| Core capital (leverage) ratio | 20.6874% | 213 |
| Tier 1 risk-based capital ratio | 36.9283% | 295 |
| Total risk-based capital ratio | 36.9283% | 313 |
| Memoranda: | ||
| Average total assets | $95,014,670 | 4,145 |
| Average earning assets | $85,238,330 | 4,190 |
| Average equity | $24,205,000 | 2,784 |
| Average total loans | $51,912,000 | 4,225 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 1,558 |
| Cost of funding earning assets | 0.2489% | 4,985 |
| Net interest margin | 4.6641% | 536 |
| Noninterest income to average assets | 0.2320% | 4,352 |
| Noninterest expense to average assets | 4.7349% | 251 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.2568% | 5,217 |
| Return on assets (ROA) | -0.2568% | 5,214 |
| Pretax return on assets | -0.3107% | 5,217 |
| Return on Equity (ROE) | -1.0231% | 5,189 |
| Retained earnings to average equity (ytd only) | -1.0231% | 4,655 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4682% | 166 |
| Assets per employee ($millions) | 4.8559% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,315 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 1,887 |
| Noncurrent loans to loans | 1.1849% | 1,397 |
| Net loans and leases to total assets | 53.8778% | 4,215 |
| Net loans and leases to deposits | 71.9531% | 3,608 |
| Net loans and leases to core deposits | 72.2531% | 3,929 |
| Total domestic deposits to total assets | 74.8790% | 4,868 |
| Equity capital to assets | 24.9274% | 119 |
| Core capital (leverage) ratio | 20.5193% | 223 |
| Tier 1 risk-based capital ratio | 34.7839% | 329 |
| Total risk-based capital ratio | 34.7839% | 358 |
| Memoranda: | ||
| Average total assets | $96,560,000 | 4,159 |
| Average earning assets | $86,791,000 | 4,206 |
| Average equity | $24,239,500 | 2,787 |
| Average total loans | $52,950,000 | 4,243 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0962% | 5,191 |
| Cost of funding earning assets | 0.0985% | 5,287 |
| Net interest margin | 2.9978% | 4,797 |
| Noninterest income to average assets | 0.1954% | 4,733 |
| Noninterest expense to average assets | 2.9206% | 2,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0000% | 5,232 |
| Return on assets (ROA) | 0.0000% | 5,229 |
| Pretax return on assets | 0.0097% | 5,223 |
| Return on Equity (ROE) | 0.0000% | 5,229 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,982 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9221% | 280 |
| Assets per employee ($millions) | 5.6472% | 1,814 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9580% | 511 |
| Loan loss allowance to noncurrent loans | 52.3192% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 2.1927% | 403 |
| Noncurrent loans to loans | 3.7424% | 216 |
| Net loans and leases to total assets | 54.7134% | 4,233 |
| Net loans and leases to deposits | 73.4229% | 3,552 |
| Net loans and leases to core deposits | 73.7342% | 3,873 |
| Total domestic deposits to total assets | 74.5182% | 4,913 |
| Equity capital to assets | 25.2807% | 106 |
| Core capital (leverage) ratio | 21.1617% | 189 |
| Tier 1 risk-based capital ratio | 34.8768% | 321 |
| Total risk-based capital ratio | 36.1358% | 317 |
| Memoranda: | ||
| Average total assets | $82,380,600 | 4,392 |
| Average earning assets | $75,156,000 | 4,400 |
| Average equity | $16,685,400 | 3,439 |
| Average total loans | $51,375,600 | 4,291 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3407% | 5,425 |
| Cost of funding earning assets | 0.0626% | 5,416 |
| Net interest margin | 2.2781% | 5,356 |
| Noninterest income to average assets | 0.1638% | 4,968 |
| Noninterest expense to average assets | 2.1086% | 4,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1435% | 5,234 |
| Return on assets (ROA) | 0.1435% | 5,227 |
| Pretax return on assets | 0.1435% | 5,234 |
| Return on Equity (ROE) | 0.7663% | 5,254 |
| Retained earnings to average equity (ytd only) | 0.7663% | 4,906 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6282% | 245 |
| Assets per employee ($millions) | 4.3971% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1767% | 377 |
| Loan loss allowance to noncurrent loans | 133.8010% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 1,446 |
| Noncurrent loans to loans | 1.6268% | 972 |
| Net loans and leases to total assets | 53.6069% | 4,386 |
| Net loans and leases to deposits | 74.3639% | 3,562 |
| Net loans and leases to core deposits | 75.0470% | 3,875 |
| Total domestic deposits to total assets | 72.0873% | 5,125 |
| Equity capital to assets | 27.6944% | 81 |
| Core capital (leverage) ratio | 22.3278% | 160 |
| Tier 1 risk-based capital ratio | 38.3582% | 255 |
| Total risk-based capital ratio | 39.6200% | 252 |
| Memoranda: | ||
| Average total assets | $78,975,250 | 4,493 |
| Average earning assets | $72,396,750 | 4,497 |
| Average equity | $14,789,250 | 3,689 |
| Average total loans | $50,825,750 | 4,341 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0686% | 5,534 |
| Cost of funding earning assets | 0.0142% | 5,520 |
| Net interest margin | 1.0544% | 5,531 |
| Noninterest income to average assets | 0.0974% | 5,277 |
| Noninterest expense to average assets | 1.0028% | 5,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.0737% | 5,311 |
| Return on assets (ROA) | 0.0737% | 5,303 |
| Pretax return on assets | 0.0737% | 5,303 |
| Return on Equity (ROE) | 0.4827% | 5,305 |
| Retained earnings to average equity (ytd only) | 0.4827% | 4,868 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1540% | 283 |
| Assets per employee ($millions) | 4.9392% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,494 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8773% | 1,710 |
| Noncurrent loans to loans | 1.3841% | 1,226 |
| Net loans and leases to total assets | 55.2612% | 4,221 |
| Net loans and leases to deposits | 69.0183% | 3,948 |
| Net loans and leases to core deposits | 69.5814% | 4,168 |
| Total domestic deposits to total assets | 80.0675% | 4,220 |
| Equity capital to assets | 19.7379% | 238 |
| Core capital (leverage) ratio | 14.4114% | 802 |
| Tier 1 risk-based capital ratio | 24.4663% | 794 |
| Total risk-based capital ratio | 24.4663% | 895 |
| Memoranda: | ||
| Average total assets | $75,986,330 | 4,595 |
| Average earning assets | $70,561,000 | 4,578 |
| Average equity | $11,600,670 | 4,135 |
| Average total loans | $51,703,670 | 4,356 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4477% | 306 |
| Cost of funding earning assets | 0.0664% | 5,518 |
| Net interest margin | 5.3814% | 122 |
| Noninterest income to average assets | 0.4200% | 3,316 |
| Noninterest expense to average assets | 3.6072% | 863 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9446% | 417 |
| Return on assets (ROA) | 1.9446% | 417 |
| Pretax return on assets | 1.9446% | 652 |
| Return on Equity (ROE) | 15.6717% | 675 |
| Retained earnings to average equity (ytd only) | 15.6717% | 270 |
| Net charge-offs to loans | -0.0453% | 4,926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9741% | 3,322 |
| Assets per employee ($millions) | 5.2014% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 1,204 |
| Loan loss allowance to noncurrent loans | 120.0573% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.1802% | 1,298 |
| Noncurrent loans to loans | 1.3172% | 1,354 |
| Net loans and leases to total assets | 77.1303% | 1,366 |
| Net loans and leases to deposits | 89.0046% | 1,811 |
| Net loans and leases to core deposits | 89.4258% | 2,499 |
| Total domestic deposits to total assets | 86.6589% | 2,251 |
| Equity capital to assets | 13.0084% | 1,238 |
| Core capital (leverage) ratio | 12.8503% | 1,231 |
| Tier 1 risk-based capital ratio | 19.4567% | 1,445 |
| Total risk-based capital ratio | 20.7131% | 1,410 |
| Memoranda: | ||
| Average total assets | $69,527,000 | 4,744 |
| Average earning assets | $66,303,000 | 4,709 |
| Average equity | $8,627,000 | 4,635 |
| Average total loans | $52,990,500 | 4,371 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3655% | 328 |
| Cost of funding earning assets | 0.0686% | 5,579 |
| Net interest margin | 5.2969% | 147 |
| Noninterest income to average assets | 0.4486% | 3,318 |
| Noninterest expense to average assets | 4.3517% | 355 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1534% | 1,672 |
| Return on assets (ROA) | 1.1534% | 1,700 |
| Pretax return on assets | 1.1534% | 2,969 |
| Return on Equity (ROE) | 8.4479% | 2,582 |
| Retained earnings to average equity (ytd only) | 2.2736% | 3,956 |
| Net charge-offs to loans | -0.0408% | 5,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0481% | 1,218 |
| Assets per employee ($millions) | 3.9687% | 4,015 |
| Cash dividends to net income (ytd only)* | 73.0864% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 1,213 |
| Loan loss allowance to noncurrent loans | 114.7586% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.1549% | 1,286 |
| Noncurrent loans to loans | 1.3682% | 1,269 |
| Net loans and leases to total assets | 73.0122% | 2,094 |
| Net loans and leases to deposits | 83.3285% | 2,569 |
| Net loans and leases to core deposits | 83.6976% | 3,082 |
| Total domestic deposits to total assets | 87.6197% | 1,691 |
| Equity capital to assets | 11.8400% | 1,954 |
| Core capital (leverage) ratio | 11.6268% | 1,848 |
| Tier 1 risk-based capital ratio | 18.9170% | 1,520 |
| Total risk-based capital ratio | 20.1740% | 1,482 |
| Memoranda: | ||
| Average total assets | $70,224,800 | 4,773 |
| Average earning assets | $67,039,800 | 4,722 |
| Average equity | $9,588,200 | 4,511 |
| Average total loans | $51,469,400 | 4,422 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3400% | 324 |
| Cost of funding earning assets | 0.0679% | 5,642 |
| Net interest margin | 5.2721% | 150 |
| Noninterest income to average assets | 0.4576% | 3,291 |
| Noninterest expense to average assets | 3.5257% | 950 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9659% | 334 |
| Return on assets (ROA) | 1.9659% | 340 |
| Pretax return on assets | 1.9659% | 587 |
| Return on Equity (ROE) | 13.9263% | 847 |
| Retained earnings to average equity (ytd only) | 13.9263% | 158 |
| Net charge-offs to loans | -0.0365% | 5,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2014% | 3,505 |
| Assets per employee ($millions) | 4.3755% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6225% | 1,188 |
| Loan loss allowance to noncurrent loans | 111.6373% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.9935% | 1,712 |
| Noncurrent loans to loans | 1.4534% | 1,289 |
| Net loans and leases to total assets | 67.2506% | 2,953 |
| Net loans and leases to deposits | 78.5303% | 3,116 |
| Net loans and leases to core deposits | 78.8720% | 3,551 |
| Total domestic deposits to total assets | 85.6365% | 2,463 |
| Equity capital to assets | 13.8069% | 1,047 |
| Core capital (leverage) ratio | 14.2319% | 830 |
| Tier 1 risk-based capital ratio | 23.3314% | 916 |
| Total risk-based capital ratio | 24.5877% | 898 |
| Memoranda: | ||
| Average total assets | $69,922,000 | 4,829 |
| Average earning assets | $66,764,250 | 4,777 |
| Average equity | $9,870,750 | 4,519 |
| Average total loans | $51,089,500 | 4,473 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3070% | 326 |
| Cost of funding earning assets | 0.0674% | 5,687 |
| Net interest margin | 5.2396% | 155 |
| Noninterest income to average assets | 0.4705% | 3,218 |
| Noninterest expense to average assets | 3.7583% | 709 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7126% | 553 |
| Return on assets (ROA) | 1.7126% | 558 |
| Pretax return on assets | 1.7126% | 1,025 |
| Return on Equity (ROE) | 12.0357% | 1,291 |
| Retained earnings to average equity (ytd only) | 12.0357% | 317 |
| Net charge-offs to loans | -0.0391% | 5,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6966% | 2,894 |
| Assets per employee ($millions) | 4.0346% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5425% | 1,422 |
| Loan loss allowance to noncurrent loans | 108.1686% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.1066% | 1,571 |
| Noncurrent loans to loans | 1.4260% | 1,336 |
| Net loans and leases to total assets | 76.4015% | 1,480 |
| Net loans and leases to deposits | 89.7496% | 1,763 |
| Net loans and leases to core deposits | 90.1743% | 2,505 |
| Total domestic deposits to total assets | 85.1274% | 2,763 |
| Equity capital to assets | 14.3230% | 874 |
| Core capital (leverage) ratio | 14.4093% | 763 |
| Tier 1 risk-based capital ratio | 21.6345% | 1,096 |
| Total risk-based capital ratio | 22.8897% | 1,073 |
| Memoranda: | ||
| Average total assets | $68,435,000 | 4,886 |
| Average earning assets | $65,310,000 | 4,844 |
| Average equity | $9,737,670 | 4,554 |
| Average total loans | $51,170,000 | 4,493 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3535% | 296 |
| Cost of funding earning assets | 0.0674% | 5,751 |
| Net interest margin | 5.2861% | 140 |
| Noninterest income to average assets | 0.4740% | 3,161 |
| Noninterest expense to average assets | 3.7157% | 763 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8081% | 441 |
| Return on assets (ROA) | 1.8081% | 450 |
| Pretax return on assets | 1.8081% | 780 |
| Return on Equity (ROE) | 12.7495% | 1,053 |
| Retained earnings to average equity (ytd only) | 12.7495% | 400 |
| Net charge-offs to loans | -0.0399% | 5,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2669% | 3,305 |
| Assets per employee ($millions) | 3.9698% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 1,387 |
| Loan loss allowance to noncurrent loans | 105.6995% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.1439% | 1,543 |
| Noncurrent loans to loans | 1.5121% | 1,315 |
| Net loans and leases to total assets | 74.4436% | 1,672 |
| Net loans and leases to deposits | 87.6221% | 1,849 |
| Net loans and leases to core deposits | 88.0444% | 2,541 |
| Total domestic deposits to total assets | 84.9598% | 3,109 |
| Equity capital to assets | 14.5941% | 730 |
| Core capital (leverage) ratio | 14.6807% | 673 |
| Tier 1 risk-based capital ratio | 22.2275% | 1,063 |
| Total risk-based capital ratio | 23.4845% | 1,041 |
| Memoranda: | ||
| Average total assets | $68,358,000 | 4,944 |
| Average earning assets | $65,303,000 | 4,895 |
| Average equity | $9,694,500 | 4,589 |
| Average total loans | $50,143,000 | 4,559 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1981% | 420 |
| Cost of funding earning assets | 0.0703% | 5,804 |
| Net interest margin | 5.1278% | 198 |
| Noninterest income to average assets | 0.5645% | 2,842 |
| Noninterest expense to average assets | 3.5817% | 1,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.8614% | 399 |
| Return on assets (ROA) | 1.8614% | 412 |
| Pretax return on assets | 1.8614% | 673 |
| Return on Equity (ROE) | 13.2570% | 935 |
| Retained earnings to average equity (ytd only) | 6.6444% | 1,385 |
| Net charge-offs to loans | -0.0370% | 5,314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8024% | 3,623 |
| Assets per employee ($millions) | 3.8461% | 4,230 |
| Cash dividends to net income (ytd only)* | 49.8803% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 1,263 |
| Loan loss allowance to noncurrent loans | 101.5019% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.1541% | 1,593 |
| Noncurrent loans to loans | 1.6230% | 1,205 |
| Net loans and leases to total assets | 69.9408% | 2,479 |
| Net loans and leases to deposits | 81.3918% | 2,742 |
| Net loans and leases to core deposits | 81.7698% | 3,224 |
| Total domestic deposits to total assets | 85.9310% | 2,616 |
| Equity capital to assets | 13.7802% | 958 |
| Core capital (leverage) ratio | 14.0563% | 804 |
| Tier 1 risk-based capital ratio | 22.7019% | 995 |
| Total risk-based capital ratio | 23.9583% | 978 |
| Memoranda: | ||
| Average total assets | $67,313,600 | 4,984 |
| Average earning assets | $64,042,800 | 4,939 |
| Average equity | $9,451,600 | 4,665 |
| Average total loans | $48,622,800 | 4,611 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 408 |
| Cost of funding earning assets | 0.0693% | 5,875 |
| Net interest margin | 5.1583% | 184 |
| Noninterest income to average assets | 0.5905% | 2,713 |
| Noninterest expense to average assets | 3.5390% | 1,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9530% | 366 |
| Return on assets (ROA) | 1.9530% | 386 |
| Pretax return on assets | 1.9530% | 634 |
| Return on Equity (ROE) | 13.8427% | 858 |
| Retained earnings to average equity (ytd only) | 13.8427% | 182 |
| Net charge-offs to loans | -0.0358% | 5,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4388% | 3,861 |
| Assets per employee ($millions) | 3.7294% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 1,316 |
| Loan loss allowance to noncurrent loans | 106.4729% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.1277% | 1,792 |
| Noncurrent loans to loans | 1.5544% | 1,396 |
| Net loans and leases to total assets | 71.3437% | 2,291 |
| Net loans and leases to deposits | 84.4078% | 2,443 |
| Net loans and leases to core deposits | 84.8189% | 3,051 |
| Total domestic deposits to total assets | 84.5226% | 3,019 |
| Equity capital to assets | 14.7326% | 806 |
| Core capital (leverage) ratio | 14.9285% | 651 |
| Tier 1 risk-based capital ratio | 23.9328% | 909 |
| Total risk-based capital ratio | 25.1912% | 888 |
| Memoranda: | ||
| Average total assets | $66,834,500 | 5,038 |
| Average earning assets | $63,507,500 | 4,989 |
| Average equity | $9,429,500 | 4,716 |
| Average total loans | $48,470,750 | 4,658 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2518% | 393 |
| Cost of funding earning assets | 0.0694% | 5,954 |
| Net interest margin | 5.1824% | 174 |
| Noninterest income to average assets | 0.6563% | 2,344 |
| Noninterest expense to average assets | 3.4045% | 1,366 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1727% | 237 |
| Return on assets (ROA) | 2.1727% | 252 |
| Pretax return on assets | 2.1727% | 399 |
| Return on Equity (ROE) | 15.6317% | 591 |
| Retained earnings to average equity (ytd only) | 15.6317% | 127 |
| Net charge-offs to loans | -0.0372% | 5,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0425% | 4,507 |
| Assets per employee ($millions) | 3.6298% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 1,527 |
| Loan loss allowance to noncurrent loans | 102.6923% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.1938% | 1,744 |
| Noncurrent loans to loans | 1.5588% | 1,384 |
| Net loans and leases to total assets | 75.3601% | 1,583 |
| Net loans and leases to deposits | 89.1202% | 1,851 |
| Net loans and leases to core deposits | 89.5660% | 2,579 |
| Total domestic deposits to total assets | 84.5601% | 3,072 |
| Equity capital to assets | 14.7482% | 803 |
| Core capital (leverage) ratio | 14.7853% | 644 |
| Tier 1 risk-based capital ratio | 21.9484% | 1,141 |
| Total risk-based capital ratio | 23.2034% | 1,125 |
| Memoranda: | ||
| Average total assets | $66,736,000 | 5,086 |
| Average earning assets | $63,368,330 | 5,041 |
| Average equity | $9,276,000 | 4,780 |
| Average total loans | $48,394,670 | 4,701 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1467% | 454 |
| Cost of funding earning assets | 0.0750% | 6,001 |
| Net interest margin | 5.0717% | 218 |
| Noninterest income to average assets | 0.4567% | 3,438 |
| Noninterest expense to average assets | 3.0726% | 2,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1947% | 226 |
| Return on assets (ROA) | 2.1947% | 240 |
| Pretax return on assets | 2.1947% | 381 |
| Return on Equity (ROE) | 16.2709% | 507 |
| Retained earnings to average equity (ytd only) | 16.2709% | 183 |
| Net charge-offs to loans | -0.0420% | 5,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3333% | 4,955 |
| Assets per employee ($millions) | 3.6723% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 1,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 4,217 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 69.8844% | 2,360 |
| Net loans and leases to deposits | 81.7148% | 2,583 |
| Net loans and leases to core deposits | 82.1142% | 3,124 |
| Total domestic deposits to total assets | 85.5224% | 2,908 |
| Equity capital to assets | 14.0404% | 969 |
| Core capital (leverage) ratio | 13.8558% | 847 |
| Tier 1 risk-based capital ratio | 22.1699% | 1,138 |
| Total risk-based capital ratio | 23.4264% | 1,118 |
| Memoranda: | ||
| Average total assets | $67,435,500 | 5,124 |
| Average earning assets | $63,963,000 | 5,079 |
| Average equity | $9,096,000 | 4,842 |
| Average total loans | $47,572,500 | 4,749 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 654 |
| Cost of funding earning assets | 0.0760% | 6,049 |
| Net interest margin | 4.9027% | 298 |
| Noninterest income to average assets | 0.4901% | 3,392 |
| Noninterest expense to average assets | 3.4413% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7140% | 562 |
| Return on assets (ROA) | 1.7140% | 583 |
| Pretax return on assets | 1.7140% | 961 |
| Return on Equity (ROE) | 12.5679% | 1,163 |
| Retained earnings to average equity (ytd only) | -0.0108% | 5,512 |
| Net charge-offs to loans | -0.0436% | 5,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7526% | 3,786 |
| Assets per employee ($millions) | 3.6194% | 4,608 |
| Cash dividends to net income (ytd only)* | 100.0861% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6469% | 1,483 |
| Loan loss allowance to noncurrent loans | 1,321.6667% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 3,988 |
| Noncurrent loans to loans | 0.1246% | 4,995 |
| Net loans and leases to total assets | 68.8668% | 2,564 |
| Net loans and leases to deposits | 79.4534% | 2,890 |
| Net loans and leases to core deposits | 79.8217% | 3,371 |
| Total domestic deposits to total assets | 86.6757% | 2,285 |
| Equity capital to assets | 12.9579% | 1,373 |
| Core capital (leverage) ratio | 13.2604% | 1,057 |
| Tier 1 risk-based capital ratio | 20.6469% | 1,359 |
| Total risk-based capital ratio | 21.9027% | 1,332 |
| Memoranda: | ||
| Average total assets | $67,735,200 | 5,136 |
| Average earning assets | $64,454,400 | 5,076 |
| Average equity | $9,237,800 | 4,795 |
| Average total loans | $45,894,800 | 4,796 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9332% | 711 |
| Cost of funding earning assets | 0.0747% | 6,140 |
| Net interest margin | 4.8585% | 333 |
| Noninterest income to average assets | 0.4999% | 3,360 |
| Noninterest expense to average assets | 3.4816% | 1,319 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6440% | 696 |
| Return on assets (ROA) | 1.6440% | 721 |
| Pretax return on assets | 1.6440% | 1,257 |
| Return on Equity (ROE) | 11.9031% | 1,397 |
| Retained earnings to average equity (ytd only) | 11.9031% | 377 |
| Net charge-offs to loans | -0.0235% | 5,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9260% | 3,556 |
| Assets per employee ($millions) | 3.5258% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 1,533 |
| Loan loss allowance to noncurrent loans | 1,261.2903% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 4,763 |
| Noncurrent loans to loans | 0.1329% | 5,100 |
| Net loans and leases to total assets | 68.4878% | 2,606 |
| Net loans and leases to deposits | 80.8558% | 2,784 |
| Net loans and leases to core deposits | 81.2496% | 3,322 |
| Total domestic deposits to total assets | 84.7037% | 3,127 |
| Equity capital to assets | 14.5455% | 845 |
| Core capital (leverage) ratio | 14.7639% | 688 |
| Tier 1 risk-based capital ratio | 23.4180% | 1,011 |
| Total risk-based capital ratio | 24.6750% | 996 |
| Memoranda: | ||
| Average total assets | $67,476,750 | 5,208 |
| Average earning assets | $64,243,000 | 5,143 |
| Average equity | $9,319,500 | 4,844 |
| Average total loans | $45,330,500 | 4,868 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8693% | 779 |
| Cost of funding earning assets | 0.0776% | 6,203 |
| Net interest margin | 4.7917% | 373 |
| Noninterest income to average assets | 0.4938% | 3,420 |
| Noninterest expense to average assets | 3.4714% | 1,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5878% | 766 |
| Return on assets (ROA) | 1.5878% | 795 |
| Pretax return on assets | 1.5878% | 1,366 |
| Return on Equity (ROE) | 11.7019% | 1,472 |
| Retained earnings to average equity (ytd only) | 11.7019% | 429 |
| Net charge-offs to loans | -0.0356% | 5,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6148% | 3,571 |
| Assets per employee ($millions) | 3.4285% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7334% | 1,532 |
| Loan loss allowance to noncurrent loans | 1,203.0769% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 4,819 |
| Noncurrent loans to loans | 0.1441% | 5,172 |
| Net loans and leases to total assets | 68.0529% | 2,634 |
| Net loans and leases to deposits | 80.2458% | 2,756 |
| Net loans and leases to core deposits | 80.6458% | 3,312 |
| Total domestic deposits to total assets | 84.8055% | 3,210 |
| Equity capital to assets | 14.5068% | 812 |
| Core capital (leverage) ratio | 14.1960% | 786 |
| Tier 1 risk-based capital ratio | 23.9629% | 958 |
| Total risk-based capital ratio | 25.2206% | 947 |
| Memoranda: | ||
| Average total assets | $67,639,000 | 5,261 |
| Average earning assets | $64,445,000 | 5,190 |
| Average equity | $9,178,000 | 4,904 |
| Average total loans | $44,886,670 | 4,919 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7467% | 952 |
| Cost of funding earning assets | 0.0792% | 6,271 |
| Net interest margin | 4.6675% | 438 |
| Noninterest income to average assets | 0.4878% | 3,368 |
| Noninterest expense to average assets | 3.4259% | 1,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5097% | 832 |
| Return on assets (ROA) | 1.5097% | 883 |
| Pretax return on assets | 1.5097% | 1,536 |
| Return on Equity (ROE) | 11.5019% | 1,479 |
| Retained earnings to average equity (ytd only) | 11.5019% | 643 |
| Net charge-offs to loans | -0.0447% | 5,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4118% | 3,593 |
| Assets per employee ($millions) | 3.5862% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6989% | 1,742 |
| Loan loss allowance to noncurrent loans | 1,144.1176% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 4,926 |
| Noncurrent loans to loans | 0.1485% | 5,241 |
| Net loans and leases to total assets | 66.0669% | 2,752 |
| Net loans and leases to deposits | 76.8126% | 2,956 |
| Net loans and leases to core deposits | 77.1734% | 3,467 |
| Total domestic deposits to total assets | 86.0105% | 2,933 |
| Equity capital to assets | 13.4611% | 1,185 |
| Core capital (leverage) ratio | 13.4771% | 980 |
| Tier 1 risk-based capital ratio | 22.9174% | 1,117 |
| Total risk-based capital ratio | 24.1742% | 1,101 |
| Memoranda: | ||
| Average total assets | $68,887,500 | 5,286 |
| Average earning assets | $65,645,500 | 5,210 |
| Average equity | $9,042,000 | 4,980 |
| Average total loans | $44,773,500 | 4,961 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 849 |
| Cost of funding earning assets | 0.0786% | 6,374 |
| Net interest margin | 4.8726% | 374 |
| Noninterest income to average assets | 0.9285% | 1,418 |
| Noninterest expense to average assets | 3.5078% | 1,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.0329% | 309 |
| Return on assets (ROA) | 2.0329% | 316 |
| Pretax return on assets | 2.0329% | 481 |
| Return on Equity (ROE) | 15.5822% | 685 |
| Retained earnings to average equity (ytd only) | 2.8401% | 4,215 |
| Net charge-offs to loans | -0.0411% | 5,869 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3101% | 4,701 |
| Assets per employee ($millions) | 3.6652% | 4,595 |
| Cash dividends to net income (ytd only)* | 81.7734% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7690% | 1,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 5,060 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 61.7177% | 3,537 |
| Net loans and leases to deposits | 70.9201% | 3,798 |
| Net loans and leases to core deposits | 71.7117% | 4,156 |
| Total domestic deposits to total assets | 87.0243% | 2,273 |
| Equity capital to assets | 12.7976% | 1,466 |
| Core capital (leverage) ratio | 12.4520% | 1,376 |
| Tier 1 risk-based capital ratio | 23.3831% | 1,022 |
| Total risk-based capital ratio | 24.6425% | 998 |
| Memoranda: | ||
| Average total assets | $69,901,400 | 5,292 |
| Average earning assets | $66,166,400 | 5,219 |
| Average equity | $9,119,400 | 4,948 |
| Average total loans | $46,192,400 | 4,946 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0120% | 752 |
| Cost of funding earning assets | 0.0786% | 6,458 |
| Net interest margin | 4.9334% | 333 |
| Noninterest income to average assets | 1.0786% | 1,049 |
| Noninterest expense to average assets | 3.6264% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.1152% | 274 |
| Return on assets (ROA) | 2.1152% | 283 |
| Pretax return on assets | 2.1152% | 438 |
| Return on Equity (ROE) | 16.1369% | 661 |
| Retained earnings to average equity (ytd only) | 16.1369% | 162 |
| Net charge-offs to loans | -0.0370% | 5,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1596% | 4,695 |
| Assets per employee ($millions) | 4.0663% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 1,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 5,304 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 60.3049% | 3,735 |
| Net loans and leases to deposits | 70.1644% | 3,905 |
| Net loans and leases to core deposits | 70.9459% | 4,248 |
| Total domestic deposits to total assets | 85.9481% | 2,869 |
| Equity capital to assets | 13.3387% | 1,263 |
| Core capital (leverage) ratio | 13.7030% | 927 |
| Tier 1 risk-based capital ratio | 25.5810% | 822 |
| Total risk-based capital ratio | 26.8387% | 810 |
| Memoranda: | ||
| Average total assets | $69,967,250 | 5,343 |
| Average earning assets | $66,133,250 | 5,277 |
| Average equity | $9,171,250 | 4,966 |
| Average total loans | $46,802,250 | 4,973 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1613% | 538 |
| Cost of funding earning assets | 0.0833% | 6,518 |
| Net interest margin | 5.0780% | 248 |
| Noninterest income to average assets | 0.5138% | 3,381 |
| Noninterest expense to average assets | 3.4489% | 1,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8435% | 447 |
| Return on assets (ROA) | 1.8435% | 461 |
| Pretax return on assets | 1.8435% | 770 |
| Return on Equity (ROE) | 14.1520% | 927 |
| Retained earnings to average equity (ytd only) | 14.1520% | 253 |
| Net charge-offs to loans | -0.0337% | 5,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1673% | 4,491 |
| Assets per employee ($millions) | 3.6685% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 2,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 3,196 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 66.7494% | 2,628 |
| Net loans and leases to deposits | 77.4797% | 2,873 |
| Net loans and leases to core deposits | 78.3843% | 3,393 |
| Total domestic deposits to total assets | 86.1508% | 2,970 |
| Equity capital to assets | 13.3255% | 1,221 |
| Core capital (leverage) ratio | 13.4943% | 976 |
| Tier 1 risk-based capital ratio | 23.1644% | 1,089 |
| Total risk-based capital ratio | 24.4189% | 1,073 |
| Memoranda: | ||
| Average total assets | $68,892,000 | 5,424 |
| Average earning assets | $64,828,670 | 5,356 |
| Average equity | $8,974,000 | 5,035 |
| Average total loans | $47,434,330 | 4,983 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1823% | 506 |
| Cost of funding earning assets | 0.0811% | 6,603 |
| Net interest margin | 5.1013% | 222 |
| Noninterest income to average assets | 0.5198% | 3,271 |
| Noninterest expense to average assets | 3.3758% | 1,765 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9215% | 381 |
| Return on assets (ROA) | 1.9215% | 402 |
| Pretax return on assets | 1.9215% | 627 |
| Return on Equity (ROE) | 14.9257% | 783 |
| Retained earnings to average equity (ytd only) | 14.9257% | 323 |
| Net charge-offs to loans | -0.0421% | 5,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7266% | 4,904 |
| Assets per employee ($millions) | 3.4473% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6160% | 2,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8913% | 1,821 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 67.0235% | 2,390 |
| Net loans and leases to deposits | 77.3881% | 2,642 |
| Net loans and leases to core deposits | 78.3632% | 3,163 |
| Total domestic deposits to total assets | 86.6069% | 3,042 |
| Equity capital to assets | 13.0261% | 1,294 |
| Core capital (leverage) ratio | 13.2798% | 1,050 |
| Tier 1 risk-based capital ratio | 22.1370% | 1,276 |
| Total risk-based capital ratio | 23.3917% | 1,250 |
| Memoranda: | ||
| Average total assets | $68,487,500 | 5,492 |
| Average earning assets | $64,141,000 | 5,433 |
| Average equity | $8,817,000 | 5,101 |
| Average total loans | $47,507,500 | 5,026 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6352% | 297 |
| Cost of funding earning assets | 0.0952% | 6,687 |
| Net interest margin | 5.5400% | 125 |
| Noninterest income to average assets | 0.7431% | 2,321 |
| Noninterest expense to average assets | 3.8262% | 1,093 |
| Loan and lease loss provision to assets | -0.1212% | 6,513 |
| Net operating income to assets | 2.2204% | 237 |
| Return on assets (ROA) | 2.2204% | 241 |
| Pretax return on assets | 2.2204% | 307 |
| Return on Equity (ROE) | 17.1184% | 496 |
| Retained earnings to average equity (ytd only) | 3.3877% | 3,817 |
| Net charge-offs to loans | -0.0405% | 6,286 |
| Credit loss provision to net charge-offs | 415.0000% | 554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5726% | 4,801 |
| Assets per employee ($millions) | 3.4015% | 5,086 |
| Cash dividends to net income (ytd only)* | 80.2104% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 2,888 |
| Loan loss allowance to noncurrent loans | 168.6801% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 2.5298% | 1,349 |
| Noncurrent loans to loans | 0.9304% | 3,668 |
| Net loans and leases to total assets | 69.5174% | 2,094 |
| Net loans and leases to deposits | 79.8191% | 2,481 |
| Net loans and leases to core deposits | 80.8314% | 3,032 |
| Total domestic deposits to total assets | 87.0937% | 2,674 |
| Equity capital to assets | 12.7196% | 1,414 |
| Core capital (leverage) ratio | 12.4912% | 1,367 |
| Tier 1 risk-based capital ratio | 20.8171% | 1,460 |
| Total risk-based capital ratio | 22.0658% | 1,442 |
| Memoranda: | ||
| Average total assets | $68,500,600 | 5,527 |
| Average earning assets | $64,079,400 | 5,467 |
| Average equity | $8,885,200 | 5,119 |
| Average total loans | $49,442,000 | 4,985 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4130% | 430 |
| Cost of funding earning assets | 0.0997% | 6,764 |
| Net interest margin | 5.3133% | 187 |
| Noninterest income to average assets | 0.5460% | 3,485 |
| Noninterest expense to average assets | 3.4450% | 1,727 |
| Loan and lease loss provision to assets | 0.0330% | 4,360 |
| Net operating income to assets | 2.0363% | 340 |
| Return on assets (ROA) | 2.0363% | 352 |
| Pretax return on assets | 2.0363% | 536 |
| Return on Equity (ROE) | 15.6241% | 691 |
| Retained earnings to average equity (ytd only) | 15.6241% | 171 |
| Net charge-offs to loans | -0.0428% | 6,263 |
| Credit loss provision to net charge-offs | -106.2500% | 5,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4736% | 5,068 |
| Assets per employee ($millions) | 3.4575% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7564% | 2,432 |
| Loan loss allowance to noncurrent loans | 61.7562% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 3.8597% | 833 |
| Noncurrent loans to loans | 2.8441% | 1,454 |
| Net loans and leases to total assets | 68.8373% | 2,169 |
| Net loans and leases to deposits | 80.1013% | 2,399 |
| Net loans and leases to core deposits | 81.1141% | 2,987 |
| Total domestic deposits to total assets | 85.9378% | 3,297 |
| Equity capital to assets | 13.5980% | 1,079 |
| Core capital (leverage) ratio | 13.5487% | 1,007 |
| Tier 1 risk-based capital ratio | 22.8458% | 1,171 |
| Total risk-based capital ratio | 24.1000% | 1,152 |
| Memoranda: | ||
| Average total assets | $68,618,500 | 5,577 |
| Average earning assets | $64,164,750 | 5,517 |
| Average equity | $8,943,250 | 5,151 |
| Average total loans | $49,791,000 | 5,015 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4491% | 409 |
| Cost of funding earning assets | 0.1032% | 6,816 |
| Net interest margin | 5.3458% | 171 |
| Noninterest income to average assets | 0.5523% | 3,485 |
| Noninterest expense to average assets | 2.8638% | 3,460 |
| Loan and lease loss provision to assets | 0.0497% | 3,989 |
| Net operating income to assets | 2.6329% | 149 |
| Return on assets (ROA) | 2.6329% | 158 |
| Pretax return on assets | 2.6329% | 231 |
| Return on Equity (ROE) | 20.5006% | 273 |
| Retained earnings to average equity (ytd only) | 20.5006% | 82 |
| Net charge-offs to loans | -0.0398% | 6,186 |
| Credit loss provision to net charge-offs | -170.0000% | 5,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6333% | 6,308 |
| Assets per employee ($millions) | 3.2590% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7222% | 2,696 |
| Loan loss allowance to noncurrent loans | 60.0142% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 4.0780% | 844 |
| Noncurrent loans to loans | 2.8696% | 1,572 |
| Net loans and leases to total assets | 70.4573% | 1,811 |
| Net loans and leases to deposits | 81.6461% | 2,099 |
| Net loans and leases to core deposits | 82.6835% | 2,728 |
| Total domestic deposits to total assets | 86.2960% | 3,209 |
| Equity capital to assets | 13.5272% | 1,120 |
| Core capital (leverage) ratio | 13.5216% | 968 |
| Tier 1 risk-based capital ratio | 22.1663% | 1,253 |
| Total risk-based capital ratio | 23.4217% | 1,233 |
| Memoranda: | ||
| Average total assets | $68,441,330 | 5,624 |
| Average earning assets | $63,937,670 | 5,563 |
| Average equity | $8,790,000 | 5,224 |
| Average total loans | $50,237,330 | 5,014 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4224% | 418 |
| Cost of funding earning assets | 0.1063% | 6,896 |
| Net interest margin | 5.3161% | 167 |
| Noninterest income to average assets | 0.5669% | 3,333 |
| Noninterest expense to average assets | 3.1618% | 2,477 |
| Loan and lease loss provision to assets | 0.0994% | 3,024 |
| Net operating income to assets | 2.2735% | 207 |
| Return on assets (ROA) | 2.2735% | 235 |
| Pretax return on assets | 2.2735% | 369 |
| Return on Equity (ROE) | 18.1861% | 423 |
| Retained earnings to average equity (ytd only) | 18.1861% | 193 |
| Net charge-offs to loans | -0.0472% | 6,108 |
| Credit loss provision to net charge-offs | -283.3333% | 5,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1278% | 5,944 |
| Assets per employee ($millions) | 3.3039% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 3,139 |
| Loan loss allowance to noncurrent loans | 35.5002% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 5.5332% | 620 |
| Noncurrent loans to loans | 4.6989% | 852 |
| Net loans and leases to total assets | 71.4533% | 1,442 |
| Net loans and leases to deposits | 81.8880% | 1,846 |
| Net loans and leases to core deposits | 82.9027% | 2,466 |
| Total domestic deposits to total assets | 87.2573% | 2,784 |
| Equity capital to assets | 12.6101% | 1,643 |
| Core capital (leverage) ratio | 13.1019% | 1,076 |
| Tier 1 risk-based capital ratio | 20.7419% | 1,605 |
| Total risk-based capital ratio | 22.0020% | 1,571 |
| Memoranda: | ||
| Average total assets | $68,442,000 | 5,677 |
| Average earning assets | $63,956,500 | 5,617 |
| Average equity | $8,556,000 | 5,343 |
| Average total loans | $50,823,000 | 5,023 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5800% | 532 |
| Cost of funding earning assets | 0.1557% | 6,905 |
| Net interest margin | 5.4243% | 190 |
| Noninterest income to average assets | 0.6073% | 3,242 |
| Noninterest expense to average assets | 4.0936% | 865 |
| Loan and lease loss provision to assets | 0.2474% | 2,675 |
| Net operating income to assets | 1.2624% | 1,416 |
| Return on assets (ROA) | 1.2624% | 1,572 |
| Pretax return on assets | 1.2624% | 2,556 |
| Return on Equity (ROE) | 10.3702% | 2,014 |
| Retained earnings to average equity (ytd only) | 1.6514% | 5,033 |
| Net charge-offs to loans | 0.3090% | 3,099 |
| Credit loss provision to net charge-offs | 107.3171% | 2,757 |
| Earnings coverage of net charge-offs (x) | 6.5488% | 2,792 |
| Efficiency ratio | 73.0557% | 3,230 |
| Assets per employee ($millions) | 3.2144% | 5,592 |
| Cash dividends to net income (ytd only)* | 84.0757% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5967% | 3,331 |
| Loan loss allowance to noncurrent loans | 36.2428% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 5.4101% | 694 |
| Noncurrent loans to loans | 4.4056% | 984 |
| Net loans and leases to total assets | 74.6811% | 1,097 |
| Net loans and leases to deposits | 85.3385% | 1,604 |
| Net loans and leases to core deposits | 86.4463% | 2,252 |
| Total domestic deposits to total assets | 87.5117% | 2,519 |
| Equity capital to assets | 12.3891% | 1,794 |
| Core capital (leverage) ratio | 11.3275% | 1,995 |
| Tier 1 risk-based capital ratio | 19.6125% | 1,782 |
| Total risk-based capital ratio | 20.8643% | 1,748 |
| Memoranda: | ||
| Average total assets | $71,135,200 | 5,601 |
| Average earning assets | $65,519,600 | 5,568 |
| Average equity | $8,659,400 | 5,315 |
| Average total loans | $53,071,600 | 4,979 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5924% | 566 |
| Cost of funding earning assets | 0.1653% | 7,005 |
| Net interest margin | 5.4271% | 195 |
| Noninterest income to average assets | 0.8273% | 2,134 |
| Noninterest expense to average assets | 3.7995% | 1,209 |
| Loan and lease loss provision to assets | 0.2110% | 2,960 |
| Net operating income to assets | 1.8007% | 567 |
| Return on assets (ROA) | 1.8007% | 637 |
| Pretax return on assets | 1.8007% | 1,045 |
| Return on Equity (ROE) | 14.8543% | 934 |
| Retained earnings to average equity (ytd only) | 14.8543% | 244 |
| Net charge-offs to loans | 0.0722% | 4,685 |
| Credit loss provision to net charge-offs | 393.1034% | 685 |
| Earnings coverage of net charge-offs (x) | 37.4787% | 928 |
| Efficiency ratio | 65.3822% | 4,565 |
| Assets per employee ($millions) | 3.5225% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7324% | 3,035 |
| Loan loss allowance to noncurrent loans | 53.2297% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 6.6890% | 548 |
| Noncurrent loans to loans | 3.2546% | 1,694 |
| Net loans and leases to total assets | 68.2474% | 2,257 |
| Net loans and leases to deposits | 78.0797% | 2,650 |
| Net loans and leases to core deposits | 79.3599% | 3,285 |
| Total domestic deposits to total assets | 87.4074% | 2,416 |
| Equity capital to assets | 12.4304% | 1,943 |
| Core capital (leverage) ratio | 12.5776% | 1,372 |
| Tier 1 risk-based capital ratio | 20.7003% | 1,596 |
| Total risk-based capital ratio | 21.9652% | 1,559 |
| Memoranda: | ||
| Average total assets | $72,043,250 | 5,633 |
| Average earning assets | $66,159,750 | 5,609 |
| Average equity | $8,733,500 | 5,345 |
| Average total loans | $53,532,000 | 5,010 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7231% | 464 |
| Cost of funding earning assets | 0.1706% | 7,075 |
| Net interest margin | 5.5525% | 167 |
| Noninterest income to average assets | 0.6387% | 3,014 |
| Noninterest expense to average assets | 3.6498% | 1,469 |
| Loan and lease loss provision to assets | 0.2073% | 3,000 |
| Net operating income to assets | 1.8879% | 472 |
| Return on assets (ROA) | 1.8879% | 540 |
| Pretax return on assets | 1.8879% | 867 |
| Return on Equity (ROE) | 15.7116% | 813 |
| Retained earnings to average equity (ytd only) | 15.7116% | 241 |
| Net charge-offs to loans | 0.0885% | 4,262 |
| Credit loss provision to net charge-offs | 308.3333% | 952 |
| Earnings coverage of net charge-offs (x) | 31.1667% | 1,045 |
| Efficiency ratio | 63.5300% | 4,977 |
| Assets per employee ($millions) | 3.4795% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 3,537 |
| Loan loss allowance to noncurrent loans | 33.4246% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 6.9140% | 573 |
| Noncurrent loans to loans | 4.8449% | 1,050 |
| Net loans and leases to total assets | 71.0876% | 1,726 |
| Net loans and leases to deposits | 81.0596% | 2,221 |
| Net loans and leases to core deposits | 82.4243% | 2,914 |
| Total domestic deposits to total assets | 87.6979% | 2,336 |
| Equity capital to assets | 12.1762% | 2,020 |
| Core capital (leverage) ratio | 12.4870% | 1,360 |
| Tier 1 risk-based capital ratio | 19.8334% | 1,744 |
| Total risk-based capital ratio | 21.1040% | 1,706 |
| Memoranda: | ||
| Average total assets | $71,400,330 | 5,685 |
| Average earning assets | $65,664,000 | 5,654 |
| Average equity | $8,579,670 | 5,391 |
| Average total loans | $54,251,330 | 5,021 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6664% | 555 |
| Cost of funding earning assets | 0.1854% | 7,128 |
| Net interest margin | 5.4811% | 191 |
| Noninterest income to average assets | 0.6462% | 2,948 |
| Noninterest expense to average assets | 3.4351% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.2390% | 269 |
| Return on assets (ROA) | 2.2390% | 322 |
| Pretax return on assets | 2.2390% | 502 |
| Return on Equity (ROE) | 18.7626% | 476 |
| Retained earnings to average equity (ytd only) | 18.7626% | 222 |
| Net charge-offs to loans | -0.0218% | 6,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5395% | 5,537 |
| Assets per employee ($millions) | 3.4409% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 4,236 |
| Loan loss allowance to noncurrent loans | 32.6069% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 7.0579% | 602 |
| Noncurrent loans to loans | 4.5590% | 1,266 |
| Net loans and leases to total assets | 74.1029% | 1,042 |
| Net loans and leases to deposits | 84.2448% | 1,634 |
| Net loans and leases to core deposits | 85.6736% | 2,329 |
| Total domestic deposits to total assets | 87.9614% | 2,344 |
| Equity capital to assets | 11.9279% | 2,093 |
| Core capital (leverage) ratio | 12.3870% | 1,393 |
| Tier 1 risk-based capital ratio | 18.5086% | 2,146 |
| Total risk-based capital ratio | 19.7694% | 2,110 |
| Memoranda: | ||
| Average total assets | $70,566,000 | 5,750 |
| Average earning assets | $64,732,000 | 5,731 |
| Average equity | $8,421,000 | 5,458 |
| Average total loans | $54,978,000 | 5,026 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9000% | 520 |
| Cost of funding earning assets | 0.3934% | 6,904 |
| Net interest margin | 5.5065% | 175 |
| Noninterest income to average assets | 0.5978% | 3,176 |
| Noninterest expense to average assets | 4.3881% | 655 |
| Loan and lease loss provision to assets | -0.3337% | 7,321 |
| Net operating income to assets | 1.5396% | 761 |
| Return on assets (ROA) | 1.5396% | 828 |
| Pretax return on assets | 1.5396% | 1,368 |
| Return on Equity (ROE) | 13.0691% | 1,144 |
| Retained earnings to average equity (ytd only) | 8.0558% | 1,060 |
| Net charge-offs to loans | 0.1530% | 4,914 |
| Credit loss provision to net charge-offs | -273.8095% | 6,770 |
| Earnings coverage of net charge-offs (x) | 9.8929% | 1,912 |
| Efficiency ratio | 78.4436% | 2,535 |
| Assets per employee ($millions) | 3.2797% | 5,555 |
| Cash dividends to net income (ytd only)* | 38.3600% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 4,247 |
| Loan loss allowance to noncurrent loans | 30.4233% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 7.9044% | 517 |
| Noncurrent loans to loans | 4.7588% | 1,226 |
| Net loans and leases to total assets | 79.5624% | 539 |
| Net loans and leases to deposits | 90.4495% | 1,104 |
| Net loans and leases to core deposits | 92.0571% | 1,880 |
| Total domestic deposits to total assets | 87.9634% | 2,190 |
| Equity capital to assets | 11.9394% | 2,173 |
| Core capital (leverage) ratio | 11.3354% | 2,016 |
| Tier 1 risk-based capital ratio | 17.1591% | 2,529 |
| Total risk-based capital ratio | 18.4096% | 2,488 |
| Memoranda: | ||
| Average total assets | $68,914,200 | 5,780 |
| Average earning assets | $62,525,600 | 5,790 |
| Average equity | $8,118,400 | 5,536 |
| Average total loans | $54,886,200 | 5,079 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8897% | 572 |
| Cost of funding earning assets | 0.4508% | 6,874 |
| Net interest margin | 5.4389% | 189 |
| Noninterest income to average assets | 0.5919% | 3,217 |
| Noninterest expense to average assets | 3.8147% | 1,288 |
| Loan and lease loss provision to assets | -0.2902% | 7,397 |
| Net operating income to assets | 1.9925% | 345 |
| Return on assets (ROA) | 1.9925% | 379 |
| Pretax return on assets | 1.9925% | 635 |
| Return on Equity (ROE) | 16.9706% | 568 |
| Retained earnings to average equity (ytd only) | 16.9706% | 141 |
| Net charge-offs to loans | 0.2072% | 4,146 |
| Credit loss provision to net charge-offs | -176.4706% | 6,570 |
| Earnings coverage of net charge-offs (x) | 10.3530% | 1,934 |
| Efficiency ratio | 69.1445% | 4,106 |
| Assets per employee ($millions) | 3.4714% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 3,657 |
| Loan loss allowance to noncurrent loans | 36.4686% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 7.3992% | 640 |
| Noncurrent loans to loans | 4.3935% | 1,482 |
| Net loans and leases to total assets | 74.4691% | 1,239 |
| Net loans and leases to deposits | 84.8078% | 1,877 |
| Net loans and leases to core deposits | 86.6445% | 2,693 |
| Total domestic deposits to total assets | 87.8093% | 2,160 |
| Equity capital to assets | 11.7997% | 2,412 |
| Core capital (leverage) ratio | 12.0089% | 1,701 |
| Tier 1 risk-based capital ratio | 17.9343% | 2,279 |
| Total risk-based capital ratio | 19.1776% | 2,243 |
| Memoranda: | ||
| Average total assets | $68,924,500 | 5,816 |
| Average earning assets | $62,412,750 | 5,828 |
| Average equity | $8,092,250 | 5,568 |
| Average total loans | $54,707,250 | 5,132 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9301% | 544 |
| Cost of funding earning assets | 0.5311% | 6,741 |
| Net interest margin | 5.3990% | 210 |
| Noninterest income to average assets | 0.5976% | 3,161 |
| Noninterest expense to average assets | 3.2900% | 2,602 |
| Loan and lease loss provision to assets | -0.4438% | 7,477 |
| Net operating income to assets | 2.1805% | 268 |
| Return on assets (ROA) | 2.1805% | 278 |
| Pretax return on assets | 2.6243% | 207 |
| Return on Equity (ROE) | 18.6056% | 414 |
| Retained earnings to average equity (ytd only) | 18.6056% | 124 |
| Net charge-offs to loans | 0.0037% | 5,833 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,822 |
| Earnings coverage of net charge-offs (x) | 737.0000% | 40 |
| Efficiency ratio | 60.1406% | 5,849 |
| Assets per employee ($millions) | 3.3343% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7599% | 3,123 |
| Loan loss allowance to noncurrent loans | 39.8682% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 7.7335% | 617 |
| Noncurrent loans to loans | 4.4143% | 1,518 |
| Net loans and leases to total assets | 77.1708% | 890 |
| Net loans and leases to deposits | 87.8518% | 1,523 |
| Net loans and leases to core deposits | 88.2608% | 2,609 |
| Total domestic deposits to total assets | 87.8420% | 2,252 |
| Equity capital to assets | 11.8623% | 2,200 |
| Core capital (leverage) ratio | 12.1722% | 1,518 |
| Tier 1 risk-based capital ratio | 17.1902% | 2,442 |
| Total risk-based capital ratio | 18.4383% | 2,422 |
| Memoranda: | ||
| Average total assets | $67,599,330 | 5,897 |
| Average earning assets | $61,011,000 | 5,921 |
| Average equity | $7,922,330 | 5,639 |
| Average total loans | $54,552,330 | 5,187 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1033% | 400 |
| Cost of funding earning assets | 0.5634% | 6,749 |
| Net interest margin | 5.5400% | 153 |
| Noninterest income to average assets | 0.6266% | 2,995 |
| Noninterest expense to average assets | 4.3802% | 666 |
| Loan and lease loss provision to assets | -0.9038% | 7,555 |
| Net operating income to assets | 2.1269% | 290 |
| Return on assets (ROA) | 2.1269% | 299 |
| Pretax return on assets | 2.1269% | 454 |
| Return on Equity (ROE) | 18.2653% | 455 |
| Retained earnings to average equity (ytd only) | 18.2653% | 226 |
| Net charge-offs to loans | 0.0074% | 5,009 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | 203.0000% | 152 |
| Efficiency ratio | 78.1720% | 2,819 |
| Assets per employee ($millions) | 3.3452% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7786% | 3,073 |
| Loan loss allowance to noncurrent loans | 56.3774% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 7.7724% | 623 |
| Noncurrent loans to loans | 3.1548% | 2,384 |
| Net loans and leases to total assets | 79.9022% | 517 |
| Net loans and leases to deposits | 90.9550% | 1,128 |
| Net loans and leases to core deposits | 91.3967% | 2,185 |
| Total domestic deposits to total assets | 87.8481% | 2,461 |
| Equity capital to assets | 11.8186% | 2,030 |
| Core capital (leverage) ratio | 11.9149% | 1,609 |
| Tier 1 risk-based capital ratio | 16.4832% | 2,666 |
| Total risk-based capital ratio | 17.7592% | 2,632 |
| Memoranda: | ||
| Average total assets | $66,389,000 | 5,978 |
| Average earning assets | $59,639,500 | 6,009 |
| Average equity | $7,730,500 | 5,698 |
| Average total loans | $54,327,000 | 5,241 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2406% | 522 |
| Cost of funding earning assets | 0.6725% | 6,950 |
| Net interest margin | 5.5680% | 155 |
| Noninterest income to average assets | 0.6324% | 3,267 |
| Noninterest expense to average assets | 4.0467% | 1,101 |
| Loan and lease loss provision to assets | 0.2406% | 4,879 |
| Net operating income to assets | 1.3499% | 1,049 |
| Return on assets (ROA) | 1.3499% | 1,129 |
| Pretax return on assets | 1.3499% | 1,799 |
| Return on Equity (ROE) | 12.3348% | 1,250 |
| Retained earnings to average equity (ytd only) | 8.1248% | 948 |
| Net charge-offs to loans | 0.0577% | 6,211 |
| Credit loss provision to net charge-offs | 512.5000% | 444 |
| Earnings coverage of net charge-offs (x) | 33.8750% | 667 |
| Efficiency ratio | 71.7855% | 3,837 |
| Assets per employee ($millions) | 3.2938% | 5,442 |
| Cash dividends to net income (ytd only)* | 34.1304% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0635% | 2,146 |
| Loan loss allowance to noncurrent loans | 75.2522% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 7.6843% | 666 |
| Noncurrent loans to loans | 2.7421% | 2,774 |
| Net loans and leases to total assets | 80.6224% | 581 |
| Net loans and leases to deposits | 91.1838% | 1,375 |
| Net loans and leases to core deposits | 92.0578% | 2,495 |
| Total domestic deposits to total assets | 88.4175% | 2,006 |
| Equity capital to assets | 11.4672% | 2,288 |
| Core capital (leverage) ratio | 11.0308% | 2,136 |
| Tier 1 risk-based capital ratio | 15.8120% | 2,836 |
| Total risk-based capital ratio | 17.0747% | 2,793 |
| Memoranda: | ||
| Average total assets | $68,153,600 | 5,929 |
| Average earning assets | $61,260,400 | 5,949 |
| Average equity | $7,458,600 | 5,889 |
| Average total loans | $55,418,000 | 5,259 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2252% | 586 |
| Cost of funding earning assets | 0.6903% | 7,093 |
| Net interest margin | 5.5349% | 161 |
| Noninterest income to average assets | 0.6150% | 3,355 |
| Noninterest expense to average assets | 3.4320% | 2,202 |
| Loan and lease loss provision to assets | 0.2057% | 4,999 |
| Net operating income to assets | 1.9556% | 362 |
| Return on assets (ROA) | 1.9556% | 396 |
| Pretax return on assets | 1.9556% | 689 |
| Return on Equity (ROE) | 18.0769% | 477 |
| Retained earnings to average equity (ytd only) | 18.0769% | 108 |
| Net charge-offs to loans | 0.0718% | 5,793 |
| Credit loss provision to net charge-offs | 353.3333% | 886 |
| Earnings coverage of net charge-offs (x) | 37.1325% | 732 |
| Efficiency ratio | 61.3597% | 5,729 |
| Assets per employee ($millions) | 3.5025% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9292% | 2,403 |
| Loan loss allowance to noncurrent loans | 70.6117% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 7.9273% | 638 |
| Noncurrent loans to loans | 2.7322% | 2,910 |
| Net loans and leases to total assets | 77.0689% | 1,209 |
| Net loans and leases to deposits | 87.1445% | 2,133 |
| Net loans and leases to core deposits | 87.6837% | 3,417 |
| Total domestic deposits to total assets | 88.4381% | 1,706 |
| Equity capital to assets | 11.3720% | 2,629 |
| Core capital (leverage) ratio | 11.5792% | 1,897 |
| Tier 1 risk-based capital ratio | 16.1368% | 2,704 |
| Total risk-based capital ratio | 17.3865% | 2,650 |
| Memoranda: | ||
| Average total assets | $68,723,250 | 5,983 |
| Average earning assets | $61,812,000 | 5,994 |
| Average equity | $7,434,750 | 5,971 |
| Average total loans | $55,715,250 | 5,320 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1981% | 625 |
| Cost of funding earning assets | 0.7162% | 7,160 |
| Net interest margin | 5.4819% | 178 |
| Noninterest income to average assets | 0.5917% | 3,398 |
| Noninterest expense to average assets | 3.6496% | 1,667 |
| Loan and lease loss provision to assets | 0.1347% | 5,541 |
| Net operating income to assets | 1.7399% | 540 |
| Return on assets (ROA) | 1.7399% | 593 |
| Pretax return on assets | 1.7399% | 982 |
| Return on Equity (ROE) | 16.3689% | 652 |
| Retained earnings to average equity (ytd only) | 16.3689% | 178 |
| Net charge-offs to loans | 0.1037% | 5,109 |
| Credit loss provision to net charge-offs | 158.6207% | 2,483 |
| Earnings coverage of net charge-offs (x) | 22.0690% | 1,148 |
| Efficiency ratio | 66.0657% | 4,967 |
| Assets per employee ($millions) | 3.4386% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8353% | 2,618 |
| Loan loss allowance to noncurrent loans | 52.1558% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 8.6650% | 527 |
| Noncurrent loans to loans | 3.5189% | 2,244 |
| Net loans and leases to total assets | 78.0852% | 1,103 |
| Net loans and leases to deposits | 87.8901% | 2,189 |
| Net loans and leases to core deposits | 88.4387% | 3,491 |
| Total domestic deposits to total assets | 88.8441% | 1,528 |
| Equity capital to assets | 10.9916% | 2,870 |
| Core capital (leverage) ratio | 11.2452% | 2,072 |
| Tier 1 risk-based capital ratio | 15.0946% | 3,110 |
| Total risk-based capital ratio | 16.3520% | 3,065 |
| Memoranda: | ||
| Average total assets | $68,281,330 | 6,022 |
| Average earning assets | $61,438,000 | 6,045 |
| Average equity | $7,257,670 | 6,046 |
| Average total loans | $55,937,670 | 5,353 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5105% | 352 |
| Cost of funding earning assets | 0.7682% | 7,182 |
| Net interest margin | 5.7423% | 134 |
| Noninterest income to average assets | 0.6350% | 3,045 |
| Noninterest expense to average assets | 3.7450% | 1,423 |
| Loan and lease loss provision to assets | 0.5350% | 2,362 |
| Net operating income to assets | 1.5403% | 834 |
| Return on assets (ROA) | 1.5403% | 899 |
| Pretax return on assets | 1.5403% | 1,419 |
| Return on Equity (ROE) | 14.7460% | 915 |
| Retained earnings to average equity (ytd only) | 14.7460% | 433 |
| Net charge-offs to loans | 0.2405% | 3,496 |
| Credit loss provision to net charge-offs | 267.6471% | 1,475 |
| Earnings coverage of net charge-offs (x) | 10.3824% | 1,749 |
| Efficiency ratio | 64.3434% | 5,427 |
| Assets per employee ($millions) | 3.0605% | 6,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 2,592 |
| Loan loss allowance to noncurrent loans | 53.7590% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 5.9215% | 1,025 |
| Noncurrent loans to loans | 3.4308% | 2,322 |
| Net loans and leases to total assets | 82.5192% | 529 |
| Net loans and leases to deposits | 92.6063% | 1,527 |
| Net loans and leases to core deposits | 93.6127% | 2,888 |
| Total domestic deposits to total assets | 89.1075% | 1,467 |
| Equity capital to assets | 10.7439% | 3,011 |
| Core capital (leverage) ratio | 10.6015% | 2,533 |
| Tier 1 risk-based capital ratio | 14.3095% | 3,486 |
| Total risk-based capital ratio | 15.5703% | 3,448 |
| Memoranda: | ||
| Average total assets | $68,036,500 | 6,105 |
| Average earning assets | $61,439,000 | 6,112 |
| Average equity | $7,107,000 | 6,156 |
| Average total loans | $56,554,500 | 5,404 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2438% | 1,134 |
| Cost of funding earning assets | 0.8896% | 7,424 |
| Net interest margin | 5.3542% | 228 |
| Noninterest income to average assets | 0.5980% | 3,648 |
| Noninterest expense to average assets | 3.8544% | 1,586 |
| Loan and lease loss provision to assets | 0.7299% | 2,918 |
| Net operating income to assets | 0.9727% | 1,932 |
| Return on assets (ROA) | 0.9727% | 1,987 |
| Pretax return on assets | 0.9727% | 2,678 |
| Return on Equity (ROE) | 9.6647% | 1,789 |
| Retained earnings to average equity (ytd only) | 5.2298% | 1,704 |
| Net charge-offs to loans | 1.0652% | 2,284 |
| Credit loss provision to net charge-offs | 79.3893% | 6,295 |
| Earnings coverage of net charge-offs (x) | 1.8519% | 4,333 |
| Efficiency ratio | 69.3609% | 4,760 |
| Assets per employee ($millions) | 3.1246% | 5,929 |
| Cash dividends to net income (ytd only)* | 45.8874% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 2,725 |
| Loan loss allowance to noncurrent loans | 310.3774% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 5.6938% | 1,016 |
| Noncurrent loans to loans | 0.5628% | 6,123 |
| Net loans and leases to total assets | 80.7614% | 871 |
| Net loans and leases to deposits | 90.0358% | 2,208 |
| Net loans and leases to core deposits | 98.0918% | 4,212 |
| Total domestic deposits to total assets | 89.6992% | 1,108 |
| Equity capital to assets | 10.1539% | 3,557 |
| Core capital (leverage) ratio | 9.7784% | 3,359 |
| Tier 1 risk-based capital ratio | 13.0890% | 4,085 |
| Total risk-based capital ratio | 14.3460% | 4,029 |
| Memoranda: | ||
| Average total assets | $71,242,800 | 5,963 |
| Average earning assets | $65,985,800 | 5,930 |
| Average equity | $7,170,400 | 6,212 |
| Average total loans | $61,493,400 | 5,191 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3838% | 952 |
| Cost of funding earning assets | 0.8939% | 7,572 |
| Net interest margin | 5.4899% | 186 |
| Noninterest income to average assets | 0.6382% | 3,439 |
| Noninterest expense to average assets | 3.4488% | 2,423 |
| Loan and lease loss provision to assets | 0.3506% | 4,219 |
| Net operating income to assets | 1.9777% | 307 |
| Return on assets (ROA) | 1.9777% | 330 |
| Pretax return on assets | 1.9777% | 568 |
| Return on Equity (ROE) | 19.6911% | 331 |
| Retained earnings to average equity (ytd only) | 19.6911% | 71 |
| Net charge-offs to loans | 0.7927% | 2,383 |
| Credit loss provision to net charge-offs | 50.6702% | 6,298 |
| Earnings coverage of net charge-offs (x) | 3.3646% | 3,561 |
| Efficiency ratio | 59.6981% | 6,456 |
| Assets per employee ($millions) | 3.2143% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5523% | 3,187 |
| Loan loss allowance to noncurrent loans | 49.6296% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 3.6725% | 1,783 |
| Noncurrent loans to loans | 3.1277% | 2,415 |
| Net loans and leases to total assets | 84.1262% | 526 |
| Net loans and leases to deposits | 94.5561% | 1,784 |
| Net loans and leases to core deposits | 104.4400% | 3,884 |
| Total domestic deposits to total assets | 88.9697% | 1,212 |
| Equity capital to assets | 10.8592% | 3,152 |
| Core capital (leverage) ratio | 10.6565% | 2,660 |
| Tier 1 risk-based capital ratio | 14.0774% | 3,502 |
| Total risk-based capital ratio | 15.3327% | 3,441 |
| Memoranda: | ||
| Average total assets | $71,868,000 | 5,984 |
| Average earning assets | $67,272,750 | 5,927 |
| Average equity | $7,218,000 | 6,251 |
| Average total loans | $62,740,750 | 5,179 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3628% | 1,074 |
| Cost of funding earning assets | 0.9077% | 7,688 |
| Net interest margin | 5.4551% | 191 |
| Noninterest income to average assets | 0.6339% | 3,447 |
| Noninterest expense to average assets | 3.1002% | 3,700 |
| Loan and lease loss provision to assets | 0.2685% | 4,435 |
| Net operating income to assets | 2.3722% | 137 |
| Return on assets (ROA) | 2.3722% | 154 |
| Pretax return on assets | 2.3722% | 266 |
| Return on Equity (ROE) | 24.2627% | 149 |
| Retained earnings to average equity (ytd only) | 24.2627% | 48 |
| Net charge-offs to loans | 0.8597% | 1,970 |
| Credit loss provision to net charge-offs | 35.5311% | 5,964 |
| Earnings coverage of net charge-offs (x) | 3.4945% | 3,420 |
| Efficiency ratio | 54.0019% | 7,329 |
| Assets per employee ($millions) | 3.2574% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 3,084 |
| Loan loss allowance to noncurrent loans | 35.1804% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 5.1589% | 1,007 |
| Noncurrent loans to loans | 4.3245% | 1,507 |
| Net loans and leases to total assets | 85.4498% | 444 |
| Net loans and leases to deposits | 95.6110% | 1,860 |
| Net loans and leases to core deposits | 105.8422% | 3,855 |
| Total domestic deposits to total assets | 89.3723% | 1,096 |
| Equity capital to assets | 10.4253% | 3,491 |
| Core capital (leverage) ratio | 10.2523% | 3,040 |
| Tier 1 risk-based capital ratio | 13.1407% | 4,042 |
| Total risk-based capital ratio | 14.3952% | 3,960 |
| Memoranda: | ||
| Average total assets | $72,252,670 | 6,025 |
| Average earning assets | $67,642,670 | 5,959 |
| Average equity | $7,064,330 | 6,345 |
| Average total loans | $63,512,000 | 5,191 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1803% | 1,657 |
| Cost of funding earning assets | 0.9039% | 7,808 |
| Net interest margin | 5.2765% | 241 |
| Noninterest income to average assets | 0.6451% | 3,229 |
| Noninterest expense to average assets | 2.9222% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.6796% | 97 |
| Return on assets (ROA) | 2.6796% | 122 |
| Pretax return on assets | 2.6796% | 187 |
| Return on Equity (ROE) | 28.3341% | 121 |
| Retained earnings to average equity (ytd only) | 28.3341% | 60 |
| Net charge-offs to loans | 1.4647% | 984 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.0681% | 3,686 |
| Efficiency ratio | 52.1654% | 7,400 |
| Assets per employee ($millions) | 3.4702% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 3,545 |
| Loan loss allowance to noncurrent loans | 40.9511% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 4.3555% | 1,122 |
| Noncurrent loans to loans | 3.3987% | 1,885 |
| Net loans and leases to total assets | 86.2351% | 414 |
| Net loans and leases to deposits | 95.6937% | 1,991 |
| Net loans and leases to core deposits | 105.8070% | 3,940 |
| Total domestic deposits to total assets | 90.1158% | 743 |
| Equity capital to assets | 9.7442% | 4,314 |
| Core capital (leverage) ratio | 9.7038% | 3,752 |
| Tier 1 risk-based capital ratio | 11.9089% | 5,035 |
| Total risk-based capital ratio | 13.1628% | 4,944 |
| Memoranda: | ||
| Average total assets | $72,548,000 | 6,046 |
| Average earning assets | $68,151,500 | 5,976 |
| Average equity | $6,861,000 | 6,455 |
| Average total loans | $64,177,500 | 5,197 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5612% | 367 |
| Cost of funding earning assets | 1.5936% | 7,464 |
| Net interest margin | 5.9676% | 111 |
| Noninterest income to average assets | 1.1994% | 1,041 |
| Noninterest expense to average assets | 3.6492% | 2,041 |
| Loan and lease loss provision to assets | 0.8189% | 1,814 |
| Net operating income to assets | 2.3343% | 177 |
| Return on assets (ROA) | 2.3343% | 174 |
| Pretax return on assets | 2.3343% | 282 |
| Return on Equity (ROE) | 24.9625% | 140 |
| Retained earnings to average equity (ytd only) | 9.3297% | 548 |
| Net charge-offs to loans | 0.1608% | 4,585 |
| Credit loss provision to net charge-offs | 608.1633% | 704 |
| Earnings coverage of net charge-offs (x) | 23.4184% | 1,426 |
| Efficiency ratio | 53.6457% | 7,308 |
| Assets per employee ($millions) | 3.2828% | 5,254 |
| Cash dividends to net income (ytd only)* | 62.6251% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 1,806 |
| Loan loss allowance to noncurrent loans | 96.0616% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.6172% | 3,013 |
| Noncurrent loans to loans | 1.8074% | 3,049 |
| Net loans and leases to total assets | 87.9275% | 378 |
| Net loans and leases to deposits | 98.0923% | 2,115 |
| Net loans and leases to core deposits | 107.0462% | 4,073 |
| Total domestic deposits to total assets | 89.6375% | 788 |
| Equity capital to assets | 9.1676% | 5,130 |
| Core capital (leverage) ratio | 8.5684% | 5,448 |
| Tier 1 risk-based capital ratio | 11.2492% | 5,489 |
| Total risk-based capital ratio | 12.4852% | 5,385 |
| Memoranda: | ||
| Average total assets | $72,783,800 | 5,940 |
| Average earning assets | $68,335,400 | 5,882 |
| Average equity | $6,806,200 | 6,522 |
| Average total loans | $60,946,400 | 5,222 |