Home > Community Development Bank, FSB > Performance and Condition Ratios
Community Development Bank, FSB, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2179% | 2,508 |
| Cost of funding earning assets | 1.3024% | 3,618 |
| Net interest margin | 3.9155% | 1,248 |
| Noninterest income to average assets | 4.2500% | 151 |
| Noninterest expense to average assets | 2.7227% | 1,628 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 3.6367% | 107 |
| Return on assets (ROA) | 3.6367% | 109 |
| Pretax return on assets | 5.0747% | 89 |
| Return on Equity (ROE) | 35.8800% | 81 |
| Retained earnings to average equity (ytd only) | 35.8769% | 26 |
| Net charge-offs to loans | 0.0081% | 2,116 |
| Credit loss provision to net charge-offs | 575.0000% | 579 |
| Earnings coverage of net charge-offs (x) | 1,173.0000% | 87 |
| Efficiency ratio | 34.8062% | 4,433 |
| Assets per employee ($millions) | 5.2281% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9338% | 438 |
| Loan loss allowance to noncurrent loans | 81.0782% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.1859% | 470 |
| Noncurrent loans to loans | 2.3851% | 281 |
| Net loans and leases to total assets | 46.5000% | 3,808 |
| Net loans and leases to deposits | 54.1139% | 3,809 |
| Net loans and leases to core deposits | 57.2994% | 3,857 |
| Total domestic deposits to total assets | 85.9300% | 2,005 |
| Equity capital to assets | 12.4723% | 1,021 |
| Core capital (leverage) ratio | 11.3092% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6534% | 556 |
| Memoranda: | ||
| Average total assets | $184,011,333 | 3,099 |
| Average earning assets | $167,844,667 | 3,123 |
| Average equity | $18,652,667 | 3,040 |
| Average total loans | $98,362,667 | 3,233 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6398% | 3,455 |
| Cost of funding earning assets | 1.2738% | 3,604 |
| Net interest margin | 3.3659% | 2,194 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 2.3642% | 2,618 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.6820% | 2,897 |
| Return on assets (ROA) | 0.6820% | 2,917 |
| Pretax return on assets | 0.9274% | 2,596 |
| Return on Equity (ROE) | 7.4800% | 2,831 |
| Retained earnings to average equity (ytd only) | 7.4775% | 1,687 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 71.2853% | 2,014 |
| Assets per employee ($millions) | 6.0063% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 1,323 |
| Loan loss allowance to noncurrent loans | 75.3330% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.1150% | 491 |
| Noncurrent loans to loans | 1.8849% | 357 |
| Net loans and leases to total assets | 55.1600% | 3,258 |
| Net loans and leases to deposits | 61.3937% | 3,433 |
| Net loans and leases to core deposits | 65.0972% | 3,557 |
| Total domestic deposits to total assets | 89.8400% | 846 |
| Equity capital to assets | 9.1778% | 2,551 |
| Core capital (leverage) ratio | 9.2087% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9355% | 1,560 |
| Memoranda: | ||
| Average total assets | $192,367,500 | 3,052 |
| Average earning assets | $176,474,000 | 3,056 |
| Average equity | $17,546,000 | 3,121 |
| Average total loans | $107,881,000 | 3,135 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8264% | 4,152 |
| Cost of funding earning assets | 0.7129% | 3,916 |
| Net interest margin | 3.1135% | 3,069 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.3963% | 2,609 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.4997% | 3,668 |
| Return on assets (ROA) | 0.4997% | 3,667 |
| Pretax return on assets | 0.6703% | 3,495 |
| Return on Equity (ROE) | 5.3400% | 3,663 |
| Retained earnings to average equity (ytd only) | 0.6174% | 3,928 |
| Net charge-offs to loans | 0.0019% | 2,744 |
| Credit loss provision to net charge-offs | 2,400.0000% | 199 |
| Earnings coverage of net charge-offs (x) | 668.5000% | 214 |
| Efficiency ratio | 77.5105% | 1,114 |
| Assets per employee ($millions) | 6.0542% | 2,773 |
| Cash dividends to net income (ytd only)* | 88.4495% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 1,469 |
| Loan loss allowance to noncurrent loans | 58.5394% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.3957% | 283 |
| Noncurrent loans to loans | 2.3547% | 215 |
| Net loans and leases to total assets | 55.9500% | 3,201 |
| Net loans and leases to deposits | 62.8806% | 3,353 |
| Net loans and leases to core deposits | 65.5989% | 3,514 |
| Total domestic deposits to total assets | 88.9800% | 1,070 |
| Equity capital to assets | 9.6281% | 2,258 |
| Core capital (leverage) ratio | 9.8976% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9767% | 1,538 |
| Memoranda: | ||
| Average total assets | $192,297,000 | 3,033 |
| Average earning assets | $176,038,200 | 3,043 |
| Average equity | $17,980,000 | 3,017 |
| Average total loans | $106,392,600 | 3,115 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7130% | 4,197 |
| Cost of funding earning assets | 0.6525% | 3,859 |
| Net interest margin | 3.0605% | 3,218 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.4216% | 2,458 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.4439% | 3,883 |
| Return on assets (ROA) | 0.4439% | 3,883 |
| Pretax return on assets | 0.5918% | 3,748 |
| Return on Equity (ROE) | 4.7800% | 3,850 |
| Retained earnings to average equity (ytd only) | 4.7832% | 3,011 |
| Net charge-offs to loans | 0.0025% | 2,453 |
| Credit loss provision to net charge-offs | 1,800.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 444.0000% | 336 |
| Efficiency ratio | 79.6982% | 873 |
| Assets per employee ($millions) | 6.5016% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 1,591 |
| Loan loss allowance to noncurrent loans | 63.7675% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.2501% | 345 |
| Noncurrent loans to loans | 2.1455% | 263 |
| Net loans and leases to total assets | 57.4700% | 3,078 |
| Net loans and leases to deposits | 64.1664% | 3,256 |
| Net loans and leases to core deposits | 66.1534% | 3,418 |
| Total domestic deposits to total assets | 89.5600% | 1,051 |
| Equity capital to assets | 9.5065% | 2,090 |
| Core capital (leverage) ratio | 10.1272% | 2,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5651% | 1,416 |
| Memoranda: | ||
| Average total assets | $191,937,750 | 3,043 |
| Average earning assets | $175,740,750 | 3,055 |
| Average equity | $17,811,750 | 3,018 |
| Average total loans | $105,514,250 | 3,119 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3649% | 4,399 |
| Cost of funding earning assets | 0.4493% | 3,837 |
| Net interest margin | 2.9157% | 3,769 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.2968% | 2,824 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.4257% | 4,048 |
| Return on assets (ROA) | 0.4257% | 3,997 |
| Pretax return on assets | 0.5649% | 3,897 |
| Return on Equity (ROE) | 4.6500% | 3,936 |
| Retained earnings to average equity (ytd only) | 4.6472% | 3,104 |
| Net charge-offs to loans | 0.0078% | 1,656 |
| Credit loss provision to net charge-offs | 600.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 628 |
| Efficiency ratio | 79.5683% | 867 |
| Assets per employee ($millions) | 7.0107% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 1,450 |
| Loan loss allowance to noncurrent loans | 45.0091% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.7360% | 164 |
| Noncurrent loans to loans | 3.2073% | 132 |
| Net loans and leases to total assets | 53.3400% | 3,249 |
| Net loans and leases to deposits | 59.5245% | 3,364 |
| Net loans and leases to core deposits | 60.4235% | 3,521 |
| Total domestic deposits to total assets | 89.6200% | 1,292 |
| Equity capital to assets | 9.5018% | 2,142 |
| Core capital (leverage) ratio | 9.7112% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2352% | 1,558 |
| Memoranda: | ||
| Average total assets | $192,616,000 | 3,083 |
| Average earning assets | $176,290,000 | 3,091 |
| Average equity | $17,645,000 | 3,070 |
| Average total loans | $102,805,000 | 3,176 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0808% | 4,025 |
| Cost of funding earning assets | 0.1890% | 3,846 |
| Net interest margin | 2.8918% | 3,702 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.4337% | 2,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3779% | 4,269 |
| Return on assets (ROA) | 0.3779% | 4,234 |
| Pretax return on assets | 0.4957% | 4,178 |
| Return on Equity (ROE) | 4.1400% | 4,139 |
| Retained earnings to average equity (ytd only) | 1.4262% | 4,120 |
| Net charge-offs to loans | 0.0541% | 1,120 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 18.2000% | 1,940 |
| Efficiency ratio | 79.1547% | 779 |
| Assets per employee ($millions) | 6.5314% | 2,309 |
| Cash dividends to net income (ytd only)* | 65.5308% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 1,423 |
| Loan loss allowance to noncurrent loans | 869.2308% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 2,947 |
| Noncurrent loans to loans | 0.1638% | 2,669 |
| Net loans and leases to total assets | 51.9000% | 3,364 |
| Net loans and leases to deposits | 58.3262% | 3,430 |
| Net loans and leases to core deposits | 59.4084% | 3,542 |
| Total domestic deposits to total assets | 88.9800% | 1,724 |
| Equity capital to assets | 8.8312% | 2,466 |
| Core capital (leverage) ratio | 9.7811% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0496% | 1,619 |
| Memoranda: | ||
| Average total assets | $201,918,400 | 3,036 |
| Average earning assets | $186,771,200 | 3,025 |
| Average equity | $18,440,400 | 3,083 |
| Average total loans | $101,650,000 | 3,128 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9771% | 3,924 |
| Cost of funding earning assets | 0.1630% | 3,706 |
| Net interest margin | 2.8140% | 3,704 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.3741% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3684% | 4,292 |
| Return on assets (ROA) | 0.3684% | 4,240 |
| Pretax return on assets | 0.4824% | 4,173 |
| Return on Equity (ROE) | 4.0000% | 4,149 |
| Retained earnings to average equity (ytd only) | 4.0018% | 3,442 |
| Net charge-offs to loans | 0.0750% | 777 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 12.9123% | 1,902 |
| Efficiency ratio | 78.3157% | 888 |
| Assets per employee ($millions) | 6.5813% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 1,571 |
| Loan loss allowance to noncurrent loans | 682.3256% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 2,873 |
| Noncurrent loans to loans | 0.2070% | 2,565 |
| Net loans and leases to total assets | 51.8700% | 3,289 |
| Net loans and leases to deposits | 58.6513% | 3,299 |
| Net loans and leases to core deposits | 59.7410% | 3,404 |
| Total domestic deposits to total assets | 88.4400% | 2,297 |
| Equity capital to assets | 8.5495% | 2,509 |
| Core capital (leverage) ratio | 9.5624% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1923% | 1,651 |
| Memoranda: | ||
| Average total assets | $203,412,500 | 3,046 |
| Average earning assets | $188,906,500 | 3,025 |
| Average equity | $18,724,500 | 3,097 |
| Average total loans | $101,273,500 | 3,137 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8666% | 3,860 |
| Cost of funding earning assets | 0.1537% | 3,526 |
| Net interest margin | 2.7129% | 3,673 |
| Noninterest income to average assets | 0.2347% | 3,775 |
| Noninterest expense to average assets | 2.3963% | 2,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2833% | 4,318 |
| Return on assets (ROA) | 0.2833% | 4,268 |
| Pretax return on assets | 0.3642% | 4,210 |
| Return on Equity (ROE) | 3.0094% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.0094% | 3,441 |
| Net charge-offs to loans | 0.1195% | 515 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 6.2333% | 1,906 |
| Efficiency ratio | 81.9048% | 805 |
| Assets per employee ($millions) | 6.5831% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 1,549 |
| Loan loss allowance to noncurrent loans | 560.9195% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 2,784 |
| Noncurrent loans to loans | 0.2590% | 2,441 |
| Net loans and leases to total assets | 50.2848% | 3,339 |
| Net loans and leases to deposits | 55.8411% | 3,391 |
| Net loans and leases to core deposits | 57.0315% | 3,492 |
| Total domestic deposits to total assets | 90.0498% | 1,692 |
| Equity capital to assets | 9.0950% | 2,322 |
| Core capital (leverage) ratio | 9.2832% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4225% | 1,594 |
| Memoranda: | ||
| Average total assets | $205,403,667 | 3,063 |
| Average earning assets | $191,236,000 | 3,053 |
| Average equity | $19,339,333 | 3,121 |
| Average total loans | $100,405,333 | 3,180 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8322% | 3,676 |
| Cost of funding earning assets | 0.1596% | 3,377 |
| Net interest margin | 2.6726% | 3,469 |
| Noninterest income to average assets | 0.2159% | 3,863 |
| Noninterest expense to average assets | 2.1685% | 2,924 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4089% | 3,936 |
| Return on assets (ROA) | 0.4089% | 3,899 |
| Pretax return on assets | 0.5426% | 3,778 |
| Return on Equity (ROE) | 4.2740% | 3,806 |
| Retained earnings to average equity (ytd only) | 4.2740% | 2,844 |
| Net charge-offs to loans | 0.0080% | 1,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 558 |
| Efficiency ratio | 75.1233% | 1,622 |
| Assets per employee ($millions) | 7.3284% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 1,424 |
| Loan loss allowance to noncurrent loans | 243.1310% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 1,789 |
| Noncurrent loans to loans | 0.6338% | 1,481 |
| Net loans and leases to total assets | 47.3893% | 3,454 |
| Net loans and leases to deposits | 52.6587% | 3,521 |
| Net loans and leases to core deposits | 53.7371% | 3,613 |
| Total domestic deposits to total assets | 89.9934% | 1,566 |
| Equity capital to assets | 9.2269% | 2,505 |
| Core capital (leverage) ratio | 8.5884% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4297% | 1,661 |
| Memoranda: | ||
| Average total assets | $209,359,000 | 3,046 |
| Average earning assets | $195,466,500 | 3,038 |
| Average equity | $20,028,000 | 3,145 |
| Average total loans | $100,221,500 | 3,184 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6728% | 4,337 |
| Cost of funding earning assets | 0.2122% | 3,344 |
| Net interest margin | 2.4606% | 4,243 |
| Noninterest income to average assets | 0.4262% | 2,916 |
| Noninterest expense to average assets | 2.1731% | 3,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4084% | 4,263 |
| Return on assets (ROA) | 0.4911% | 4,154 |
| Pretax return on assets | 0.6561% | 4,019 |
| Return on Equity (ROE) | 4.8505% | 4,027 |
| Retained earnings to average equity (ytd only) | 3.2773% | 3,507 |
| Net charge-offs to loans | 0.0133% | 2,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 89.4615% | 932 |
| Efficiency ratio | 74.9260% | 1,218 |
| Assets per employee ($millions) | 7.3629% | 1,690 |
| Cash dividends to net income (ytd only)* | 32.4324% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 1,559 |
| Loan loss allowance to noncurrent loans | 182.5150% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 1,574 |
| Noncurrent loans to loans | 0.8212% | 1,242 |
| Net loans and leases to total assets | 46.9067% | 3,612 |
| Net loans and leases to deposits | 52.4726% | 3,705 |
| Net loans and leases to core deposits | 53.6379% | 3,784 |
| Total domestic deposits to total assets | 89.3928% | 1,303 |
| Equity capital to assets | 9.8926% | 2,761 |
| Core capital (leverage) ratio | 8.4893% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1112% | 1,809 |
| Memoranda: | ||
| Average total assets | $210,944,000 | 2,979 |
| Average earning assets | $197,021,600 | 2,980 |
| Average equity | $21,358,800 | 3,106 |
| Average total loans | $97,859,000 | 3,227 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6777% | 4,432 |
| Cost of funding earning assets | 0.2269% | 3,354 |
| Net interest margin | 2.4508% | 4,341 |
| Noninterest income to average assets | 0.4654% | 2,773 |
| Noninterest expense to average assets | 2.1410% | 3,245 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4485% | 4,301 |
| Return on assets (ROA) | 0.5592% | 4,124 |
| Pretax return on assets | 0.7519% | 3,979 |
| Return on Equity (ROE) | 5.4906% | 4,022 |
| Retained earnings to average equity (ytd only) | 5.4906% | 3,048 |
| Net charge-offs to loans | 0.0179% | 1,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 74.2308% | 1,025 |
| Efficiency ratio | 72.9848% | 1,308 |
| Assets per employee ($millions) | 7.8434% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 1,558 |
| Loan loss allowance to noncurrent loans | 172.9852% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 1,711 |
| Noncurrent loans to loans | 0.8775% | 1,308 |
| Net loans and leases to total assets | 46.6910% | 3,740 |
| Net loans and leases to deposits | 52.4705% | 3,846 |
| Net loans and leases to core deposits | 53.4626% | 3,952 |
| Total domestic deposits to total assets | 88.9853% | 1,282 |
| Equity capital to assets | 10.2271% | 2,682 |
| Core capital (leverage) ratio | 8.4574% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3362% | 1,851 |
| Memoranda: | ||
| Average total assets | $210,299,000 | 3,016 |
| Average earning assets | $196,281,000 | 3,019 |
| Average equity | $21,417,750 | 3,135 |
| Average total loans | $96,903,500 | 3,283 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6769% | 4,483 |
| Cost of funding earning assets | 0.2412% | 3,360 |
| Net interest margin | 2.4357% | 4,388 |
| Noninterest income to average assets | 0.4499% | 2,842 |
| Noninterest expense to average assets | 2.1563% | 3,220 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4271% | 4,334 |
| Return on assets (ROA) | 0.4271% | 4,378 |
| Pretax return on assets | 0.5653% | 4,287 |
| Return on Equity (ROE) | 4.1991% | 4,297 |
| Retained earnings to average equity (ytd only) | 4.1991% | 3,458 |
| Net charge-offs to loans | 0.0167% | 1,617 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 74.1250% | 876 |
| Efficiency ratio | 74.3608% | 1,219 |
| Assets per employee ($millions) | 8.3488% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 1,258 |
| Loan loss allowance to noncurrent loans | 146.7370% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 1,580 |
| Noncurrent loans to loans | 1.0941% | 1,107 |
| Net loans and leases to total assets | 44.8967% | 3,983 |
| Net loans and leases to deposits | 50.7559% | 4,064 |
| Net loans and leases to core deposits | 51.7329% | 4,146 |
| Total domestic deposits to total assets | 88.4562% | 1,590 |
| Equity capital to assets | 10.3038% | 2,572 |
| Core capital (leverage) ratio | 8.3777% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1593% | 1,576 |
| Memoranda: | ||
| Average total assets | $209,808,333 | 3,014 |
| Average earning assets | $195,674,333 | 3,019 |
| Average equity | $21,337,667 | 3,142 |
| Average total loans | $95,737,333 | 3,313 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6495% | 4,527 |
| Cost of funding earning assets | 0.2592% | 3,386 |
| Net interest margin | 2.3902% | 4,422 |
| Noninterest income to average assets | 0.3480% | 3,355 |
| Noninterest expense to average assets | 2.0271% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4145% | 4,337 |
| Return on assets (ROA) | 0.4145% | 4,366 |
| Pretax return on assets | 0.5477% | 4,280 |
| Return on Equity (ROE) | 4.1029% | 4,265 |
| Retained earnings to average equity (ytd only) | 4.1029% | 3,475 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5598% | 1,345 |
| Assets per employee ($millions) | 9.2237% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6315% | 1,212 |
| Loan loss allowance to noncurrent loans | 108.4686% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.6929% | 1,354 |
| Noncurrent loans to loans | 1.5042% | 834 |
| Net loans and leases to total assets | 43.6817% | 4,135 |
| Net loans and leases to deposits | 48.9827% | 4,221 |
| Net loans and leases to core deposits | 49.9590% | 4,297 |
| Total domestic deposits to total assets | 89.1776% | 1,251 |
| Equity capital to assets | 10.0026% | 2,701 |
| Core capital (leverage) ratio | 8.2458% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8115% | 1,632 |
| Memoranda: | ||
| Average total assets | $210,353,000 | 3,003 |
| Average earning assets | $195,964,500 | 3,012 |
| Average equity | $21,253,500 | 3,136 |
| Average total loans | $95,987,500 | 3,323 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4390% | 4,139 |
| Cost of funding earning assets | 0.4618% | 3,209 |
| Net interest margin | 2.9773% | 3,942 |
| Noninterest income to average assets | 0.4320% | 2,950 |
| Noninterest expense to average assets | 2.6808% | 2,296 |
| Loan and lease loss provision to assets | 0.1509% | 2,485 |
| Net operating income to assets | 0.2597% | 4,491 |
| Return on assets (ROA) | 0.3158% | 4,482 |
| Pretax return on assets | 0.4054% | 4,412 |
| Return on Equity (ROE) | 2.8163% | 4,423 |
| Retained earnings to average equity (ytd only) | 2.8163% | 3,460 |
| Net charge-offs to loans | -0.0087% | 4,230 |
| Credit loss provision to net charge-offs | -3,144.4444% | 4,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9697% | 895 |
| Assets per employee ($millions) | 8.0216% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 1,369 |
| Loan loss allowance to noncurrent loans | 110.4960% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.6957% | 1,497 |
| Noncurrent loans to loans | 1.4227% | 944 |
| Net loans and leases to total assets | 46.1412% | 4,116 |
| Net loans and leases to deposits | 51.8170% | 4,222 |
| Net loans and leases to core deposits | 52.9486% | 4,300 |
| Total domestic deposits to total assets | 89.0464% | 966 |
| Equity capital to assets | 10.2066% | 2,926 |
| Core capital (leverage) ratio | 8.1643% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1745% | 1,794 |
| Memoranda: | ||
| Average total assets | $187,482,000 | 3,044 |
| Average earning assets | $172,170,000 | 3,049 |
| Average equity | $21,020,400 | 3,094 |
| Average total loans | $103,958,000 | 3,179 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6366% | 3,936 |
| Cost of funding earning assets | 0.4969% | 3,240 |
| Net interest margin | 3.1397% | 3,646 |
| Noninterest income to average assets | 0.3190% | 3,578 |
| Noninterest expense to average assets | 2.7176% | 2,209 |
| Loan and lease loss provision to assets | 0.1696% | 2,301 |
| Net operating income to assets | 0.2431% | 4,532 |
| Return on assets (ROA) | 0.2437% | 4,569 |
| Pretax return on assets | 0.3037% | 4,541 |
| Return on Equity (ROE) | 2.1189% | 4,536 |
| Retained earnings to average equity (ytd only) | 2.1189% | 3,889 |
| Net charge-offs to loans | -0.0114% | 4,254 |
| Credit loss provision to net charge-offs | -2,577.7778% | 4,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3899% | 845 |
| Assets per employee ($millions) | 5.6478% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 1,742 |
| Loan loss allowance to noncurrent loans | 103.5540% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.7353% | 1,585 |
| Noncurrent loans to loans | 1.3516% | 1,088 |
| Net loans and leases to total assets | 51.4863% | 3,995 |
| Net loans and leases to deposits | 58.0698% | 4,159 |
| Net loans and leases to core deposits | 59.3734% | 4,238 |
| Total domestic deposits to total assets | 88.6628% | 911 |
| Equity capital to assets | 10.4042% | 2,867 |
| Core capital (leverage) ratio | 8.5527% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4599% | 2,435 |
| Memoranda: | ||
| Average total assets | $182,212,000 | 3,073 |
| Average earning assets | $166,637,250 | 3,088 |
| Average equity | $20,953,750 | 3,097 |
| Average total loans | $105,505,000 | 3,165 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8283% | 3,789 |
| Cost of funding earning assets | 0.5227% | 3,403 |
| Net interest margin | 3.3056% | 3,371 |
| Noninterest income to average assets | 0.3117% | 3,597 |
| Noninterest expense to average assets | 2.7869% | 2,128 |
| Loan and lease loss provision to assets | 0.2055% | 1,998 |
| Net operating income to assets | 0.2640% | 4,476 |
| Return on assets (ROA) | 0.2649% | 4,516 |
| Pretax return on assets | 0.3311% | 4,496 |
| Return on Equity (ROE) | 2.2215% | 4,491 |
| Retained earnings to average equity (ytd only) | 2.2215% | 3,674 |
| Net charge-offs to loans | 0.0076% | 2,676 |
| Credit loss provision to net charge-offs | 4,500.0000% | 259 |
| Earnings coverage of net charge-offs (x) | 117.2500% | 635 |
| Efficiency ratio | 79.0722% | 955 |
| Assets per employee ($millions) | 5.2264% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 1,827 |
| Loan loss allowance to noncurrent loans | 100.1409% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 1,584 |
| Noncurrent loans to loans | 1.3374% | 1,150 |
| Net loans and leases to total assets | 55.6368% | 3,719 |
| Net loans and leases to deposits | 63.4155% | 3,928 |
| Net loans and leases to core deposits | 64.5973% | 4,044 |
| Total domestic deposits to total assets | 87.7337% | 1,313 |
| Equity capital to assets | 11.2326% | 2,158 |
| Core capital (leverage) ratio | 9.1419% | 3,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5121% | 1,996 |
| Memoranda: | ||
| Average total assets | $175,175,333 | 3,118 |
| Average earning assets | $159,548,333 | 3,135 |
| Average equity | $20,887,000 | 3,087 |
| Average total loans | $105,283,667 | 3,163 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 3,334 |
| Cost of funding earning assets | 0.5356% | 3,767 |
| Net interest margin | 3.6299% | 2,569 |
| Noninterest income to average assets | 0.2988% | 3,727 |
| Noninterest expense to average assets | 2.7649% | 2,532 |
| Loan and lease loss provision to assets | 0.1233% | 2,153 |
| Net operating income to assets | 0.5430% | 3,768 |
| Return on assets (ROA) | 0.5430% | 3,827 |
| Pretax return on assets | 0.7209% | 3,622 |
| Return on Equity (ROE) | 4.4116% | 3,847 |
| Retained earnings to average equity (ytd only) | 4.4116% | 2,532 |
| Net charge-offs to loans | 0.0191% | 1,987 |
| Credit loss provision to net charge-offs | 1,040.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 71.2000% | 721 |
| Efficiency ratio | 71.9448% | 2,082 |
| Assets per employee ($millions) | 4.6527% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 2,417 |
| Loan loss allowance to noncurrent loans | 77.5045% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 1,279 |
| Noncurrent loans to loans | 1.6074% | 965 |
| Net loans and leases to total assets | 61.1464% | 3,383 |
| Net loans and leases to deposits | 70.7284% | 3,541 |
| Net loans and leases to core deposits | 72.2252% | 3,749 |
| Total domestic deposits to total assets | 86.4524% | 1,805 |
| Equity capital to assets | 12.5810% | 1,685 |
| Core capital (leverage) ratio | 9.9079% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1478% | 1,864 |
| Memoranda: | ||
| Average total assets | $168,688,500 | 3,147 |
| Average earning assets | $153,832,500 | 3,156 |
| Average equity | $20,763,500 | 3,095 |
| Average total loans | $104,875,000 | 3,159 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 3,422 |
| Cost of funding earning assets | 0.4925% | 4,125 |
| Net interest margin | 3.8473% | 2,348 |
| Noninterest income to average assets | 0.3203% | 3,774 |
| Noninterest expense to average assets | 3.0331% | 1,931 |
| Loan and lease loss provision to assets | 0.1243% | 1,709 |
| Net operating income to assets | 0.4904% | 4,425 |
| Return on assets (ROA) | 0.4904% | 4,474 |
| Pretax return on assets | 0.6455% | 4,337 |
| Return on Equity (ROE) | 3.9392% | 4,475 |
| Retained earnings to average equity (ytd only) | -5.6253% | 4,995 |
| Net charge-offs to loans | 0.2254% | 904 |
| Credit loss provision to net charge-offs | 85.8333% | 2,712 |
| Earnings coverage of net charge-offs (x) | 5.3167% | 3,100 |
| Efficiency ratio | 75.1428% | 1,467 |
| Assets per employee ($millions) | 4.7189% | 2,930 |
| Cash dividends to net income (ytd only)* | 242.8044% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 2,576 |
| Loan loss allowance to noncurrent loans | 71.3876% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.0619% | 1,169 |
| Noncurrent loans to loans | 1.6447% | 843 |
| Net loans and leases to total assets | 61.6874% | 3,431 |
| Net loans and leases to deposits | 71.3088% | 3,564 |
| Net loans and leases to core deposits | 72.5283% | 3,825 |
| Total domestic deposits to total assets | 86.5075% | 1,845 |
| Equity capital to assets | 11.9126% | 2,191 |
| Core capital (leverage) ratio | 9.6276% | 3,924 |
| Tier 1 risk-based capital ratio | 13.4066% | 3,578 |
| Total risk-based capital ratio | 14.6393% | 3,474 |
| Memoranda: | ||
| Average total assets | $165,772,000 | 3,143 |
| Average earning assets | $150,051,400 | 3,172 |
| Average equity | $20,638,800 | 3,076 |
| Average total loans | $106,493,000 | 3,136 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 3,531 |
| Cost of funding earning assets | 0.4815% | 4,218 |
| Net interest margin | 3.8624% | 2,393 |
| Noninterest income to average assets | 0.3262% | 3,792 |
| Noninterest expense to average assets | 3.0665% | 1,785 |
| Loan and lease loss provision to assets | 0.1254% | 1,551 |
| Net operating income to assets | 0.4783% | 4,572 |
| Return on assets (ROA) | 0.4783% | 4,611 |
| Pretax return on assets | 0.6272% | 4,497 |
| Return on Equity (ROE) | 3.7995% | 4,626 |
| Retained earnings to average equity (ytd only) | -2.5458% | 4,964 |
| Net charge-offs to loans | 0.2939% | 596 |
| Credit loss provision to net charge-offs | 65.9574% | 2,662 |
| Earnings coverage of net charge-offs (x) | 3.9574% | 3,059 |
| Efficiency ratio | 75.6728% | 1,363 |
| Assets per employee ($millions) | 5.2562% | 2,284 |
| Cash dividends to net income (ytd only)* | 167.0055% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 2,944 |
| Loan loss allowance to noncurrent loans | 64.2207% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.1605% | 1,108 |
| Noncurrent loans to loans | 1.7392% | 834 |
| Net loans and leases to total assets | 63.1110% | 3,376 |
| Net loans and leases to deposits | 73.1482% | 3,546 |
| Net loans and leases to core deposits | 74.4138% | 3,803 |
| Total domestic deposits to total assets | 86.2782% | 1,875 |
| Equity capital to assets | 12.4614% | 1,942 |
| Core capital (leverage) ratio | 10.5182% | 3,092 |
| Tier 1 risk-based capital ratio | 13.6070% | 3,522 |
| Total risk-based capital ratio | 14.7635% | 3,472 |
| Memoranda: | ||
| Average total assets | $164,745,250 | 3,188 |
| Average earning assets | $148,987,750 | 3,214 |
| Average equity | $20,739,250 | 3,085 |
| Average total loans | $106,606,500 | 3,171 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 3,603 |
| Cost of funding earning assets | 0.4672% | 4,255 |
| Net interest margin | 3.8454% | 2,418 |
| Noninterest income to average assets | 0.3203% | 3,788 |
| Noninterest expense to average assets | 3.0429% | 1,876 |
| Loan and lease loss provision to assets | 0.1259% | 1,479 |
| Net operating income to assets | 0.4829% | 4,567 |
| Return on assets (ROA) | 0.4829% | 4,598 |
| Pretax return on assets | 0.6333% | 4,484 |
| Return on Equity (ROE) | 3.8228% | 4,626 |
| Retained earnings to average equity (ytd only) | -5.7293% | 5,082 |
| Net charge-offs to loans | 0.0433% | 2,033 |
| Credit loss provision to net charge-offs | 447.8261% | 654 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,557 |
| Efficiency ratio | 75.3698% | 1,475 |
| Assets per employee ($millions) | 4.6215% | 2,975 |
| Cash dividends to net income (ytd only)* | 249.8734% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 2,101 |
| Loan loss allowance to noncurrent loans | 40.0059% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 2.2160% | 378 |
| Noncurrent loans to loans | 3.1986% | 300 |
| Net loans and leases to total assets | 66.7250% | 3,016 |
| Net loans and leases to deposits | 77.8949% | 3,157 |
| Net loans and leases to core deposits | 79.5945% | 3,453 |
| Total domestic deposits to total assets | 85.6603% | 2,196 |
| Equity capital to assets | 13.2152% | 1,482 |
| Core capital (leverage) ratio | 10.4664% | 3,129 |
| Tier 1 risk-based capital ratio | 13.4637% | 3,600 |
| Total risk-based capital ratio | 14.7135% | 3,500 |
| Memoranda: | ||
| Average total assets | $163,594,000 | 3,216 |
| Average earning assets | $148,124,670 | 3,242 |
| Average equity | $20,665,670 | 3,087 |
| Average total loans | $106,358,330 | 3,192 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2038% | 3,851 |
| Cost of funding earning assets | 0.4477% | 4,296 |
| Net interest margin | 3.7561% | 2,681 |
| Noninterest income to average assets | 0.2925% | 3,918 |
| Noninterest expense to average assets | 2.9756% | 2,061 |
| Loan and lease loss provision to assets | 0.1247% | 1,406 |
| Net operating income to assets | 0.4532% | 4,635 |
| Return on assets (ROA) | 0.4532% | 4,651 |
| Pretax return on assets | 0.5922% | 4,532 |
| Return on Equity (ROE) | 3.6671% | 4,645 |
| Retained earnings to average equity (ytd only) | -15.4831% | 5,212 |
| Net charge-offs to loans | -0.0150% | 4,382 |
| Credit loss provision to net charge-offs | -1,300.0000% | 3,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8442% | 1,514 |
| Assets per employee ($millions) | 4.9737% | 2,555 |
| Cash dividends to net income (ytd only)* | 522.2222% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 2,227 |
| Loan loss allowance to noncurrent loans | 47.5597% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.7620% | 603 |
| Noncurrent loans to loans | 2.6705% | 465 |
| Net loans and leases to total assets | 63.2275% | 3,379 |
| Net loans and leases to deposits | 73.0164% | 3,530 |
| Net loans and leases to core deposits | 75.3419% | 3,706 |
| Total domestic deposits to total assets | 86.5936% | 2,011 |
| Equity capital to assets | 12.4017% | 1,801 |
| Core capital (leverage) ratio | 9.8942% | 3,721 |
| Tier 1 risk-based capital ratio | 13.3840% | 3,674 |
| Total risk-based capital ratio | 14.6341% | 3,581 |
| Memoranda: | ||
| Average total assets | $166,826,000 | 3,219 |
| Average earning assets | $151,006,000 | 3,256 |
| Average equity | $20,616,000 | 3,104 |
| Average total loans | $106,435,500 | 3,220 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 2,896 |
| Cost of funding earning assets | 0.3782% | 4,113 |
| Net interest margin | 3.9820% | 2,050 |
| Noninterest income to average assets | 0.3813% | 3,545 |
| Noninterest expense to average assets | 2.9019% | 2,348 |
| Loan and lease loss provision to assets | 0.1212% | 1,817 |
| Net operating income to assets | 0.6619% | 4,252 |
| Return on assets (ROA) | 0.6619% | 4,259 |
| Pretax return on assets | 0.9508% | 3,755 |
| Return on Equity (ROE) | 5.5306% | 4,315 |
| Retained earnings to average equity (ytd only) | 4.5523% | 3,021 |
| Net charge-offs to loans | 0.0333% | 2,737 |
| Credit loss provision to net charge-offs | 572.2222% | 614 |
| Earnings coverage of net charge-offs (x) | 50.6111% | 1,128 |
| Efficiency ratio | 68.7148% | 2,429 |
| Assets per employee ($millions) | 4.7089% | 2,863 |
| Cash dividends to net income (ytd only)* | 17.6889% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 2,639 |
| Loan loss allowance to noncurrent loans | 102.0750% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.7893% | 1,773 |
| Noncurrent loans to loans | 1.1628% | 1,385 |
| Net loans and leases to total assets | 62.8129% | 3,483 |
| Net loans and leases to deposits | 73.7607% | 3,520 |
| Net loans and leases to core deposits | 76.0714% | 3,716 |
| Total domestic deposits to total assets | 85.1576% | 2,583 |
| Equity capital to assets | 12.3153% | 1,690 |
| Core capital (leverage) ratio | 9.7593% | 3,850 |
| Tier 1 risk-based capital ratio | 13.7464% | 3,415 |
| Total risk-based capital ratio | 14.9617% | 3,360 |
| Memoranda: | ||
| Average total assets | $169,956,800 | 3,170 |
| Average earning assets | $153,338,800 | 3,203 |
| Average equity | $20,341,200 | 3,061 |
| Average total loans | $107,956,000 | 3,171 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,998 |
| Cost of funding earning assets | 0.3560% | 4,143 |
| Net interest margin | 3.9351% | 2,176 |
| Noninterest income to average assets | 0.3842% | 3,575 |
| Noninterest expense to average assets | 2.8843% | 2,354 |
| Loan and lease loss provision to assets | 0.1215% | 1,657 |
| Net operating income to assets | 0.6413% | 4,394 |
| Return on assets (ROA) | 0.6413% | 4,402 |
| Pretax return on assets | 0.9228% | 3,941 |
| Return on Equity (ROE) | 5.3973% | 4,447 |
| Retained earnings to average equity (ytd only) | 4.0842% | 3,731 |
| Net charge-offs to loans | 0.0358% | 2,366 |
| Credit loss provision to net charge-offs | 534.4828% | 660 |
| Earnings coverage of net charge-offs (x) | 45.9260% | 1,236 |
| Efficiency ratio | 69.0681% | 2,347 |
| Assets per employee ($millions) | 5.7143% | 1,719 |
| Cash dividends to net income (ytd only)* | 24.3279% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,179 |
| Loan loss allowance to noncurrent loans | 88.5305% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.8137% | 1,820 |
| Noncurrent loans to loans | 1.2450% | 1,353 |
| Net loans and leases to total assets | 64.6421% | 3,348 |
| Net loans and leases to deposits | 76.4333% | 3,373 |
| Net loans and leases to core deposits | 78.6760% | 3,603 |
| Total domestic deposits to total assets | 84.5733% | 2,774 |
| Equity capital to assets | 11.8795% | 1,982 |
| Core capital (leverage) ratio | 9.9312% | 3,707 |
| Tier 1 risk-based capital ratio | 13.0376% | 3,885 |
| Total risk-based capital ratio | 14.1791% | 3,852 |
| Memoranda: | ||
| Average total assets | $170,065,750 | 3,196 |
| Average earning assets | $153,181,750 | 3,239 |
| Average equity | $20,207,250 | 3,101 |
| Average total loans | $108,005,000 | 3,194 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 3,011 |
| Cost of funding earning assets | 0.3299% | 4,204 |
| Net interest margin | 3.9005% | 2,199 |
| Noninterest income to average assets | 0.3420% | 3,892 |
| Noninterest expense to average assets | 2.7710% | 2,760 |
| Loan and lease loss provision to assets | 0.1215% | 1,622 |
| Net operating income to assets | 0.6780% | 4,255 |
| Return on assets (ROA) | 0.6780% | 4,262 |
| Pretax return on assets | 0.9764% | 3,730 |
| Return on Equity (ROE) | 5.7059% | 4,344 |
| Retained earnings to average equity (ytd only) | 3.7311% | 3,735 |
| Net charge-offs to loans | 0.0281% | 2,291 |
| Credit loss provision to net charge-offs | 686.6667% | 565 |
| Earnings coverage of net charge-offs (x) | 62.0667% | 976 |
| Efficiency ratio | 67.2051% | 2,779 |
| Assets per employee ($millions) | 5.4301% | 1,960 |
| Cash dividends to net income (ytd only)* | 34.6087% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 3,308 |
| Loan loss allowance to noncurrent loans | 177.8603% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 3,136 |
| Noncurrent loans to loans | 0.6141% | 2,575 |
| Net loans and leases to total assets | 64.3979% | 3,352 |
| Net loans and leases to deposits | 75.2772% | 3,416 |
| Net loans and leases to core deposits | 77.1030% | 3,654 |
| Total domestic deposits to total assets | 85.5477% | 2,476 |
| Equity capital to assets | 12.0238% | 1,839 |
| Core capital (leverage) ratio | 9.7590% | 3,830 |
| Tier 1 risk-based capital ratio | 12.9099% | 3,944 |
| Total risk-based capital ratio | 14.0286% | 3,925 |
| Memoranda: | ||
| Average total assets | $169,611,000 | 3,223 |
| Average earning assets | $153,364,000 | 3,248 |
| Average equity | $20,154,670 | 3,115 |
| Average total loans | $106,656,330 | 3,229 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1185% | 3,174 |
| Cost of funding earning assets | 0.3222% | 4,189 |
| Net interest margin | 3.7963% | 2,442 |
| Noninterest income to average assets | 0.3172% | 4,033 |
| Noninterest expense to average assets | 2.6972% | 3,053 |
| Loan and lease loss provision to assets | 0.1222% | 1,545 |
| Net operating income to assets | 0.6461% | 4,294 |
| Return on assets (ROA) | 0.6461% | 4,303 |
| Pretax return on assets | 0.9304% | 3,754 |
| Return on Equity (ROE) | 5.4694% | 4,323 |
| Retained earnings to average equity (ytd only) | 1.5115% | 4,484 |
| Net charge-offs to loans | 0.0418% | 1,701 |
| Credit loss provision to net charge-offs | 472.7273% | 623 |
| Earnings coverage of net charge-offs (x) | 40.7273% | 1,055 |
| Efficiency ratio | 67.3559% | 2,942 |
| Assets per employee ($millions) | 5.4358% | 2,000 |
| Cash dividends to net income (ytd only)* | 72.3636% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,330 |
| Loan loss allowance to noncurrent loans | 83.0325% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 1,921 |
| Noncurrent loans to loans | 1.3341% | 1,333 |
| Net loans and leases to total assets | 60.9264% | 3,658 |
| Net loans and leases to deposits | 71.1143% | 3,690 |
| Net loans and leases to core deposits | 82.1934% | 3,125 |
| Total domestic deposits to total assets | 85.6738% | 2,682 |
| Equity capital to assets | 11.8675% | 1,868 |
| Core capital (leverage) ratio | 9.4602% | 4,107 |
| Tier 1 risk-based capital ratio | 12.7599% | 4,083 |
| Total risk-based capital ratio | 13.8516% | 4,078 |
| Memoranda: | ||
| Average total assets | $170,250,000 | 3,248 |
| Average earning assets | $153,940,000 | 3,279 |
| Average equity | $20,112,000 | 3,146 |
| Average total loans | $105,184,500 | 3,273 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 1,778 |
| Cost of funding earning assets | 0.3840% | 3,396 |
| Net interest margin | 4.0972% | 1,450 |
| Noninterest income to average assets | 0.3488% | 3,968 |
| Noninterest expense to average assets | 2.9634% | 2,268 |
| Loan and lease loss provision to assets | 0.1283% | 1,787 |
| Net operating income to assets | 0.5879% | 4,066 |
| Return on assets (ROA) | 0.5879% | 4,099 |
| Pretax return on assets | 1.0454% | 3,398 |
| Return on Equity (ROE) | 5.0218% | 4,147 |
| Retained earnings to average equity (ytd only) | 4.0316% | 2,767 |
| Net charge-offs to loans | 0.0958% | 2,124 |
| Credit loss provision to net charge-offs | 190.7692% | 1,430 |
| Earnings coverage of net charge-offs (x) | 17.4462% | 2,128 |
| Efficiency ratio | 70.1526% | 2,524 |
| Assets per employee ($millions) | 5.9307% | 1,564 |
| Cash dividends to net income (ytd only)* | 19.7183% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 3,682 |
| Loan loss allowance to noncurrent loans | 95.5211% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 2,292 |
| Noncurrent loans to loans | 1.0896% | 1,628 |
| Net loans and leases to total assets | 61.3076% | 3,700 |
| Net loans and leases to deposits | 71.2573% | 3,768 |
| Net loans and leases to core deposits | 85.1934% | 2,970 |
| Total domestic deposits to total assets | 86.0370% | 2,418 |
| Equity capital to assets | 11.7600% | 1,996 |
| Core capital (leverage) ratio | 9.3831% | 4,187 |
| Tier 1 risk-based capital ratio | 12.5827% | 4,157 |
| Total risk-based capital ratio | 13.6146% | 4,198 |
| Memoranda: | ||
| Average total assets | $96,611,200 | 4,299 |
| Average earning assets | $89,329,200 | 4,300 |
| Average equity | $11,310,600 | 4,256 |
| Average total loans | $67,854,000 | 4,010 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7280% | 1,075 |
| Cost of funding earning assets | 0.3992% | 3,199 |
| Net interest margin | 4.3288% | 861 |
| Noninterest income to average assets | 0.3703% | 3,876 |
| Noninterest expense to average assets | 3.0261% | 2,039 |
| Loan and lease loss provision to assets | 0.1389% | 1,537 |
| Net operating income to assets | 0.8110% | 3,479 |
| Return on assets (ROA) | 0.8110% | 3,527 |
| Pretax return on assets | 1.2584% | 2,672 |
| Return on Equity (ROE) | 6.9441% | 3,692 |
| Retained earnings to average equity (ytd only) | 5.2999% | 2,683 |
| Net charge-offs to loans | 0.1398% | 1,407 |
| Credit loss provision to net charge-offs | 132.7869% | 1,855 |
| Earnings coverage of net charge-offs (x) | 13.3609% | 2,354 |
| Efficiency ratio | 68.0233% | 2,873 |
| Assets per employee ($millions) | 5.5310% | 1,897 |
| Cash dividends to net income (ytd only)* | 23.6787% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7234% | 985 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.8003% | 2,143 |
| Noncurrent loans to loans | 1.0340% | 1,872 |
| Net loans and leases to total assets | 73.5443% | 1,988 |
| Net loans and leases to deposits | 87.0724% | 2,176 |
| Net loans and leases to core deposits | 136.6142% | 251 |
| Total domestic deposits to total assets | 84.4633% | 2,933 |
| Equity capital to assets | 11.2168% | 2,652 |
| Core capital (leverage) ratio | 10.9737% | 2,483 |
| Tier 1 risk-based capital ratio | 13.6235% | 3,623 |
| Total risk-based capital ratio | 14.8809% | 3,550 |
| Memoranda: | ||
| Average total assets | $77,766,500 | 4,678 |
| Average earning assets | $72,812,000 | 4,651 |
| Average equity | $9,081,750 | 4,645 |
| Average total loans | $58,179,500 | 4,285 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7749% | 907 |
| Cost of funding earning assets | 0.3859% | 3,222 |
| Net interest margin | 4.3890% | 718 |
| Noninterest income to average assets | 0.3919% | 3,738 |
| Noninterest expense to average assets | 2.9145% | 2,376 |
| Loan and lease loss provision to assets | 0.1420% | 1,438 |
| Net operating income to assets | 0.9180% | 2,815 |
| Return on assets (ROA) | 0.9180% | 2,868 |
| Pretax return on assets | 1.4336% | 1,884 |
| Return on Equity (ROE) | 7.7495% | 3,170 |
| Retained earnings to average equity (ytd only) | 5.2626% | 2,542 |
| Net charge-offs to loans | 0.2180% | 936 |
| Credit loss provision to net charge-offs | 87.0968% | 2,179 |
| Earnings coverage of net charge-offs (x) | 9.6613% | 2,413 |
| Efficiency ratio | 64.5577% | 3,580 |
| Assets per employee ($millions) | 5.1065% | 2,268 |
| Cash dividends to net income (ytd only)* | 32.0917% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7696% | 944 |
| Loan loss allowance to noncurrent loans | 160.5547% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.8760% | 2,024 |
| Noncurrent loans to loans | 1.1022% | 1,777 |
| Net loans and leases to total assets | 75.5134% | 1,610 |
| Net loans and leases to deposits | 90.7224% | 1,639 |
| Net loans and leases to core deposits | 129.1526% | 322 |
| Total domestic deposits to total assets | 83.2356% | 3,488 |
| Equity capital to assets | 11.9926% | 1,933 |
| Core capital (leverage) ratio | 11.3662% | 2,075 |
| Tier 1 risk-based capital ratio | 14.0788% | 3,390 |
| Total risk-based capital ratio | 15.3369% | 3,296 |
| Memoranda: | ||
| Average total assets | $76,033,670 | 4,744 |
| Average earning assets | $70,996,000 | 4,727 |
| Average equity | $9,007,000 | 4,677 |
| Average total loans | $56,877,330 | 4,338 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3733% | 1,738 |
| Cost of funding earning assets | 0.3734% | 3,272 |
| Net interest margin | 3.9999% | 1,475 |
| Noninterest income to average assets | 0.4172% | 3,547 |
| Noninterest expense to average assets | 2.6983% | 3,145 |
| Loan and lease loss provision to assets | 0.1426% | 1,315 |
| Net operating income to assets | 0.8818% | 2,851 |
| Return on assets (ROA) | 0.8818% | 2,902 |
| Pretax return on assets | 1.3095% | 2,202 |
| Return on Equity (ROE) | 7.4909% | 3,172 |
| Retained earnings to average equity (ytd only) | 2.4671% | 4,155 |
| Net charge-offs to loans | 0.1145% | 1,252 |
| Credit loss provision to net charge-offs | 168.7500% | 1,128 |
| Earnings coverage of net charge-offs (x) | 17.1875% | 1,608 |
| Efficiency ratio | 64.6310% | 3,721 |
| Assets per employee ($millions) | 5.4199% | 1,965 |
| Cash dividends to net income (ytd only)* | 67.0659% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 802 |
| Loan loss allowance to noncurrent loans | 97.7880% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.4589% | 1,123 |
| Noncurrent loans to loans | 1.9295% | 937 |
| Net loans and leases to total assets | 72.7105% | 1,966 |
| Net loans and leases to deposits | 86.3385% | 2,000 |
| Net loans and leases to core deposits | 116.9791% | 560 |
| Total domestic deposits to total assets | 84.2157% | 3,389 |
| Equity capital to assets | 11.8083% | 1,964 |
| Core capital (leverage) ratio | 11.0931% | 2,275 |
| Tier 1 risk-based capital ratio | 14.1904% | 3,368 |
| Total risk-based capital ratio | 15.4493% | 3,282 |
| Memoranda: | ||
| Average total assets | $75,752,000 | 4,799 |
| Average earning assets | $70,701,500 | 4,773 |
| Average equity | $8,917,500 | 4,730 |
| Average total loans | $55,874,500 | 4,400 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 1,453 |
| Cost of funding earning assets | 0.4073% | 2,934 |
| Net interest margin | 4.1203% | 1,333 |
| Noninterest income to average assets | 0.3294% | 4,380 |
| Noninterest expense to average assets | 2.5690% | 3,781 |
| Loan and lease loss provision to assets | 0.1573% | 1,586 |
| Net operating income to assets | 0.9208% | 2,717 |
| Return on assets (ROA) | 0.9208% | 2,835 |
| Pretax return on assets | 1.4519% | 1,748 |
| Return on Equity (ROE) | 7.9488% | 2,968 |
| Retained earnings to average equity (ytd only) | 6.6492% | 1,383 |
| Net charge-offs to loans | 0.0114% | 3,891 |
| Credit loss provision to net charge-offs | 1,950.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 199.5000% | 342 |
| Efficiency ratio | 61.0682% | 4,408 |
| Assets per employee ($millions) | 5.4018% | 1,953 |
| Cash dividends to net income (ytd only)* | 16.3504% | 3,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8913% | 820 |
| Loan loss allowance to noncurrent loans | 120.9677% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.1478% | 1,603 |
| Noncurrent loans to loans | 1.5635% | 1,264 |
| Net loans and leases to total assets | 72.0212% | 2,166 |
| Net loans and leases to deposits | 88.1099% | 1,912 |
| Net loans and leases to core deposits | 121.9133% | 435 |
| Total domestic deposits to total assets | 81.7402% | 4,145 |
| Equity capital to assets | 11.7355% | 1,982 |
| Core capital (leverage) ratio | 10.9916% | 2,344 |
| Tier 1 risk-based capital ratio | 14.1889% | 3,354 |
| Total risk-based capital ratio | 15.4473% | 3,278 |
| Memoranda: | ||
| Average total assets | $74,387,800 | 4,840 |
| Average earning assets | $69,484,400 | 4,816 |
| Average equity | $8,617,600 | 4,819 |
| Average total loans | $52,801,000 | 4,495 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 1,437 |
| Cost of funding earning assets | 0.4122% | 2,908 |
| Net interest margin | 4.1241% | 1,330 |
| Noninterest income to average assets | 0.2970% | 4,639 |
| Noninterest expense to average assets | 2.5540% | 3,814 |
| Loan and lease loss provision to assets | 0.1674% | 1,364 |
| Net operating income to assets | 0.9035% | 2,887 |
| Return on assets (ROA) | 0.9035% | 3,028 |
| Pretax return on assets | 1.4291% | 1,941 |
| Return on Equity (ROE) | 7.8253% | 3,100 |
| Retained earnings to average equity (ytd only) | 6.0794% | 2,139 |
| Net charge-offs to loans | -0.0051% | 4,622 |
| Credit loss provision to net charge-offs | -4,650.0000% | 5,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1015% | 4,373 |
| Assets per employee ($millions) | 5.5229% | 1,833 |
| Cash dividends to net income (ytd only)* | 22.3107% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8232% | 972 |
| Loan loss allowance to noncurrent loans | 255.9406% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 3,014 |
| Noncurrent loans to loans | 0.7123% | 2,901 |
| Net loans and leases to total assets | 72.0115% | 2,193 |
| Net loans and leases to deposits | 87.7348% | 2,049 |
| Net loans and leases to core deposits | 116.6489% | 631 |
| Total domestic deposits to total assets | 82.0786% | 3,915 |
| Equity capital to assets | 11.3966% | 2,604 |
| Core capital (leverage) ratio | 10.8424% | 2,635 |
| Tier 1 risk-based capital ratio | 13.1596% | 4,058 |
| Total risk-based capital ratio | 14.4176% | 3,960 |
| Memoranda: | ||
| Average total assets | $74,078,500 | 4,883 |
| Average earning assets | $69,217,250 | 4,860 |
| Average equity | $8,553,250 | 4,875 |
| Average total loans | $52,122,250 | 4,551 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 1,612 |
| Cost of funding earning assets | 0.4154% | 2,883 |
| Net interest margin | 4.0543% | 1,495 |
| Noninterest income to average assets | 0.3151% | 4,525 |
| Noninterest expense to average assets | 2.6521% | 3,544 |
| Loan and lease loss provision to assets | 0.1890% | 1,151 |
| Net operating income to assets | 0.8055% | 3,287 |
| Return on assets (ROA) | 0.8055% | 3,420 |
| Pretax return on assets | 1.2713% | 2,518 |
| Return on Equity (ROE) | 6.9446% | 3,577 |
| Retained earnings to average equity (ytd only) | 4.2990% | 3,185 |
| Net charge-offs to loans | -0.0395% | 5,261 |
| Credit loss provision to net charge-offs | -690.0000% | 5,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0906% | 3,999 |
| Assets per employee ($millions) | 4.9596% | 2,347 |
| Cash dividends to net income (ytd only)* | 38.0952% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8808% | 929 |
| Loan loss allowance to noncurrent loans | 244.1247% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 2,605 |
| Noncurrent loans to loans | 0.7704% | 2,821 |
| Net loans and leases to total assets | 71.3875% | 2,268 |
| Net loans and leases to deposits | 88.2002% | 1,967 |
| Net loans and leases to core deposits | 114.8604% | 690 |
| Total domestic deposits to total assets | 80.9380% | 4,295 |
| Equity capital to assets | 11.5789% | 2,465 |
| Core capital (leverage) ratio | 10.9416% | 2,499 |
| Tier 1 risk-based capital ratio | 13.8919% | 3,668 |
| Total risk-based capital ratio | 15.1515% | 3,580 |
| Memoranda: | ||
| Average total assets | $72,997,670 | 4,960 |
| Average earning assets | $68,372,000 | 4,926 |
| Average equity | $8,467,000 | 4,926 |
| Average total loans | $50,591,670 | 4,623 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4303% | 1,710 |
| Cost of funding earning assets | 0.4177% | 2,879 |
| Net interest margin | 4.0126% | 1,575 |
| Noninterest income to average assets | 0.3762% | 4,022 |
| Noninterest expense to average assets | 2.6390% | 3,620 |
| Loan and lease loss provision to assets | 0.1881% | 1,054 |
| Net operating income to assets | 0.8354% | 3,060 |
| Return on assets (ROA) | 0.8354% | 3,189 |
| Pretax return on assets | 1.3223% | 2,208 |
| Return on Equity (ROE) | 7.1960% | 3,345 |
| Retained earnings to average equity (ytd only) | 1.8586% | 4,516 |
| Net charge-offs to loans | -0.0328% | 5,105 |
| Credit loss provision to net charge-offs | -850.0000% | 4,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2000% | 4,276 |
| Assets per employee ($millions) | 4.7811% | 2,625 |
| Cash dividends to net income (ytd only)* | 74.1722% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9510% | 893 |
| Loan loss allowance to noncurrent loans | 230.4245% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9287% | 2,384 |
| Noncurrent loans to loans | 0.8467% | 2,731 |
| Net loans and leases to total assets | 68.4649% | 2,588 |
| Net loans and leases to deposits | 82.1678% | 2,525 |
| Net loans and leases to core deposits | 107.2543% | 1,005 |
| Total domestic deposits to total assets | 83.3233% | 3,782 |
| Equity capital to assets | 11.7699% | 2,182 |
| Core capital (leverage) ratio | 10.7190% | 2,701 |
| Tier 1 risk-based capital ratio | 14.3791% | 3,455 |
| Total risk-based capital ratio | 15.6376% | 3,384 |
| Memoranda: | ||
| Average total assets | $72,299,500 | 5,015 |
| Average earning assets | $67,986,000 | 4,980 |
| Average equity | $8,393,500 | 4,976 |
| Average total loans | $48,824,500 | 4,712 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 2,601 |
| Cost of funding earning assets | 0.4330% | 2,817 |
| Net interest margin | 3.7538% | 2,541 |
| Noninterest income to average assets | 0.2511% | 5,091 |
| Noninterest expense to average assets | 2.6916% | 3,609 |
| Loan and lease loss provision to assets | 0.2525% | 751 |
| Net operating income to assets | 0.5532% | 4,481 |
| Return on assets (ROA) | 0.5532% | 4,578 |
| Pretax return on assets | 0.8471% | 4,035 |
| Return on Equity (ROE) | 4.9189% | 4,549 |
| Retained earnings to average equity (ytd only) | 3.5451% | 3,541 |
| Net charge-offs to loans | 0.0617% | 2,992 |
| Credit loss provision to net charge-offs | 653.5714% | 513 |
| Earnings coverage of net charge-offs (x) | 28.4643% | 1,505 |
| Efficiency ratio | 70.5240% | 3,143 |
| Assets per employee ($millions) | 4.8588% | 2,518 |
| Cash dividends to net income (ytd only)* | 27.9302% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9739% | 836 |
| Loan loss allowance to noncurrent loans | 262.2905% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.8466% | 2,550 |
| Noncurrent loans to loans | 0.7526% | 2,922 |
| Net loans and leases to total assets | 63.9829% | 3,285 |
| Net loans and leases to deposits | 75.6117% | 3,306 |
| Net loans and leases to core deposits | 97.5830% | 1,706 |
| Total domestic deposits to total assets | 84.6203% | 3,246 |
| Equity capital to assets | 11.4514% | 2,398 |
| Core capital (leverage) ratio | 10.6863% | 2,723 |
| Tier 1 risk-based capital ratio | 14.8884% | 3,224 |
| Total risk-based capital ratio | 16.1485% | 3,154 |
| Memoranda: | ||
| Average total assets | $72,485,600 | 5,030 |
| Average earning assets | $68,357,000 | 4,974 |
| Average equity | $8,152,200 | 5,031 |
| Average total loans | $45,364,400 | 4,820 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 3,005 |
| Cost of funding earning assets | 0.4367% | 2,831 |
| Net interest margin | 3.6475% | 2,973 |
| Noninterest income to average assets | 0.2284% | 5,284 |
| Noninterest expense to average assets | 2.6818% | 3,626 |
| Loan and lease loss provision to assets | 0.2523% | 677 |
| Net operating income to assets | 0.4955% | 4,806 |
| Return on assets (ROA) | 0.4955% | 4,897 |
| Pretax return on assets | 0.7405% | 4,533 |
| Return on Equity (ROE) | 4.4259% | 4,858 |
| Retained earnings to average equity (ytd only) | 2.5831% | 4,580 |
| Net charge-offs to loans | 0.0655% | 2,641 |
| Credit loss provision to net charge-offs | 622.7273% | 548 |
| Earnings coverage of net charge-offs (x) | 24.5022% | 1,689 |
| Efficiency ratio | 72.4812% | 2,792 |
| Assets per employee ($millions) | 4.8973% | 2,418 |
| Cash dividends to net income (ytd only)* | 41.6355% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8544% | 1,165 |
| Loan loss allowance to noncurrent loans | 192.9185% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.9352% | 2,520 |
| Noncurrent loans to loans | 0.9612% | 2,583 |
| Net loans and leases to total assets | 64.7713% | 3,187 |
| Net loans and leases to deposits | 76.9745% | 3,198 |
| Net loans and leases to core deposits | 99.8447% | 1,531 |
| Total domestic deposits to total assets | 84.1465% | 3,362 |
| Equity capital to assets | 11.2170% | 2,783 |
| Core capital (leverage) ratio | 10.5458% | 2,994 |
| Tier 1 risk-based capital ratio | 15.0670% | 3,263 |
| Total risk-based capital ratio | 16.3258% | 3,194 |
| Memoranda: | ||
| Average total assets | $72,386,500 | 5,089 |
| Average earning assets | $68,392,750 | 5,033 |
| Average equity | $8,103,750 | 5,106 |
| Average total loans | $44,812,750 | 4,888 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 3,378 |
| Cost of funding earning assets | 0.4378% | 2,873 |
| Net interest margin | 3.5403% | 3,336 |
| Noninterest income to average assets | 0.2249% | 5,354 |
| Noninterest expense to average assets | 2.6823% | 3,647 |
| Loan and lease loss provision to assets | 0.2527% | 686 |
| Net operating income to assets | 0.4359% | 5,019 |
| Return on assets (ROA) | 0.4359% | 5,116 |
| Pretax return on assets | 0.6359% | 4,875 |
| Return on Equity (ROE) | 3.8966% | 5,049 |
| Retained earnings to average equity (ytd only) | 1.1169% | 5,123 |
| Net charge-offs to loans | 0.1055% | 1,946 |
| Credit loss provision to net charge-offs | 395.6522% | 752 |
| Earnings coverage of net charge-offs (x) | 13.9130% | 2,096 |
| Efficiency ratio | 74.6501% | 2,583 |
| Assets per employee ($millions) | 4.8198% | 2,513 |
| Cash dividends to net income (ytd only)* | 71.3376% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9395% | 1,087 |
| Loan loss allowance to noncurrent loans | 177.8706% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.9917% | 2,547 |
| Noncurrent loans to loans | 1.0904% | 2,471 |
| Net loans and leases to total assets | 59.5834% | 3,892 |
| Net loans and leases to deposits | 70.1728% | 3,912 |
| Net loans and leases to core deposits | 90.2476% | 2,322 |
| Total domestic deposits to total assets | 84.9095% | 3,154 |
| Equity capital to assets | 11.1734% | 2,695 |
| Core capital (leverage) ratio | 10.6529% | 2,786 |
| Tier 1 risk-based capital ratio | 16.3532% | 2,685 |
| Total risk-based capital ratio | 17.6121% | 2,639 |
| Memoranda: | ||
| Average total assets | $72,028,670 | 5,156 |
| Average earning assets | $68,073,000 | 5,096 |
| Average equity | $8,058,330 | 5,150 |
| Average total loans | $43,590,330 | 4,967 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9410% | 3,454 |
| Cost of funding earning assets | 0.4359% | 2,920 |
| Net interest margin | 3.5051% | 3,421 |
| Noninterest income to average assets | 0.1725% | 5,682 |
| Noninterest expense to average assets | 2.5426% | 4,128 |
| Loan and lease loss provision to assets | 0.2559% | 637 |
| Net operating income to assets | 0.5230% | 4,571 |
| Return on assets (ROA) | 0.5230% | 4,688 |
| Pretax return on assets | 0.6843% | 4,639 |
| Return on Equity (ROE) | 4.6717% | 4,676 |
| Retained earnings to average equity (ytd only) | -0.8946% | 5,535 |
| Net charge-offs to loans | 0.2211% | 1,057 |
| Credit loss provision to net charge-offs | 191.6667% | 1,083 |
| Earnings coverage of net charge-offs (x) | 7.0417% | 2,218 |
| Efficiency ratio | 72.5240% | 3,084 |
| Assets per employee ($millions) | 4.8655% | 2,537 |
| Cash dividends to net income (ytd only)* | 119.1489% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9375% | 1,212 |
| Loan loss allowance to noncurrent loans | 164.8262% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 1.0646% | 2,487 |
| Noncurrent loans to loans | 1.1755% | 2,425 |
| Net loans and leases to total assets | 55.8946% | 4,214 |
| Net loans and leases to deposits | 65.7146% | 4,180 |
| Net loans and leases to core deposits | 81.9630% | 2,967 |
| Total domestic deposits to total assets | 85.0566% | 3,378 |
| Equity capital to assets | 11.0452% | 2,926 |
| Core capital (leverage) ratio | 10.2643% | 3,260 |
| Tier 1 risk-based capital ratio | 16.9273% | 2,508 |
| Total risk-based capital ratio | 18.1853% | 2,456 |
| Memoranda: | ||
| Average total assets | $71,894,500 | 5,199 |
| Average earning assets | $67,901,500 | 5,144 |
| Average equity | $8,048,500 | 5,201 |
| Average total loans | $43,421,000 | 5,001 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6159% | 1,515 |
| Cost of funding earning assets | 0.4999% | 2,682 |
| Net interest margin | 4.1160% | 1,524 |
| Noninterest income to average assets | 0.3913% | 4,259 |
| Noninterest expense to average assets | 2.8313% | 3,376 |
| Loan and lease loss provision to assets | 0.2851% | 738 |
| Net operating income to assets | 0.7207% | 3,790 |
| Return on assets (ROA) | 0.7672% | 3,635 |
| Pretax return on assets | 1.2256% | 2,545 |
| Return on Equity (ROE) | 7.0455% | 3,598 |
| Retained earnings to average equity (ytd only) | 3.9783% | 3,385 |
| Net charge-offs to loans | 0.1369% | 2,649 |
| Credit loss provision to net charge-offs | 334.4262% | 785 |
| Earnings coverage of net charge-offs (x) | 16.8689% | 1,977 |
| Efficiency ratio | 65.8920% | 4,270 |
| Assets per employee ($millions) | 4.4254% | 3,154 |
| Cash dividends to net income (ytd only)* | 43.5337% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7329% | 1,696 |
| Loan loss allowance to noncurrent loans | 131.9865% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.2456% | 2,264 |
| Noncurrent loans to loans | 1.3129% | 2,246 |
| Net loans and leases to total assets | 62.7890% | 3,394 |
| Net loans and leases to deposits | 74.2679% | 3,405 |
| Net loans and leases to core deposits | 92.4996% | 2,038 |
| Total domestic deposits to total assets | 84.5439% | 3,487 |
| Equity capital to assets | 11.3492% | 2,563 |
| Core capital (leverage) ratio | 10.6888% | 2,730 |
| Tier 1 risk-based capital ratio | 15.8799% | 3,018 |
| Total risk-based capital ratio | 17.1377% | 2,967 |
| Memoranda: | ||
| Average total assets | $71,557,800 | 5,242 |
| Average earning assets | $67,419,800 | 5,187 |
| Average equity | $7,792,200 | 5,249 |
| Average total loans | $44,568,800 | 5,014 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 1,892 |
| Cost of funding earning assets | 0.5100% | 2,658 |
| Net interest margin | 3.9838% | 1,929 |
| Noninterest income to average assets | 0.3717% | 4,452 |
| Noninterest expense to average assets | 2.6370% | 4,068 |
| Loan and lease loss provision to assets | 0.2843% | 715 |
| Net operating income to assets | 0.7484% | 3,674 |
| Return on assets (ROA) | 0.8103% | 3,479 |
| Pretax return on assets | 1.3064% | 2,350 |
| Return on Equity (ROE) | 7.5191% | 3,437 |
| Retained earnings to average equity (ytd only) | 3.3974% | 4,209 |
| Net charge-offs to loans | 0.1591% | 2,213 |
| Credit loss provision to net charge-offs | 288.6792% | 937 |
| Earnings coverage of net charge-offs (x) | 15.1708% | 2,075 |
| Efficiency ratio | 63.4278% | 4,644 |
| Assets per employee ($millions) | 4.4282% | 3,089 |
| Cash dividends to net income (ytd only)* | 54.8166% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 2,358 |
| Loan loss allowance to noncurrent loans | 166.5169% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 1.1348% | 2,682 |
| Noncurrent loans to loans | 0.9512% | 3,181 |
| Net loans and leases to total assets | 64.9857% | 3,030 |
| Net loans and leases to deposits | 76.6591% | 3,111 |
| Net loans and leases to core deposits | 96.6782% | 1,617 |
| Total domestic deposits to total assets | 84.7723% | 3,433 |
| Equity capital to assets | 11.1459% | 2,820 |
| Core capital (leverage) ratio | 10.5176% | 3,022 |
| Tier 1 risk-based capital ratio | 16.0535% | 3,034 |
| Total risk-based capital ratio | 17.3102% | 2,984 |
| Memoranda: | ||
| Average total assets | $71,745,500 | 5,290 |
| Average earning assets | $67,706,000 | 5,235 |
| Average equity | $7,731,250 | 5,308 |
| Average total loans | $44,400,250 | 5,074 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1871% | 3,000 |
| Cost of funding earning assets | 0.5190% | 2,646 |
| Net interest margin | 3.6681% | 3,076 |
| Noninterest income to average assets | 0.2498% | 5,414 |
| Noninterest expense to average assets | 2.6345% | 4,117 |
| Loan and lease loss provision to assets | 0.2832% | 717 |
| Net operating income to assets | 0.5409% | 4,643 |
| Return on assets (ROA) | 0.6080% | 4,416 |
| Pretax return on assets | 0.8828% | 3,954 |
| Return on Equity (ROE) | 5.7061% | 4,324 |
| Retained earnings to average equity (ytd only) | -0.5211% | 5,776 |
| Net charge-offs to loans | 0.2385% | 1,615 |
| Credit loss provision to net charge-offs | 196.1538% | 1,195 |
| Earnings coverage of net charge-offs (x) | 7.4038% | 2,637 |
| Efficiency ratio | 70.6897% | 3,539 |
| Assets per employee ($millions) | 4.6146% | 2,749 |
| Cash dividends to net income (ytd only)* | 109.1324% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 2,585 |
| Loan loss allowance to noncurrent loans | 126.7890% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.4172% | 2,304 |
| Noncurrent loans to loans | 1.2374% | 2,754 |
| Net loans and leases to total assets | 62.6331% | 3,298 |
| Net loans and leases to deposits | 74.0486% | 3,309 |
| Net loans and leases to core deposits | 93.0343% | 1,857 |
| Total domestic deposits to total assets | 84.5837% | 3,693 |
| Equity capital to assets | 11.1328% | 2,749 |
| Core capital (leverage) ratio | 10.4477% | 3,015 |
| Tier 1 risk-based capital ratio | 16.1226% | 3,024 |
| Total risk-based capital ratio | 17.3785% | 2,965 |
| Memoranda: | ||
| Average total assets | $72,043,670 | 5,331 |
| Average earning assets | $67,828,000 | 5,274 |
| Average equity | $7,676,000 | 5,350 |
| Average total loans | $43,605,670 | 5,145 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 3,703 |
| Cost of funding earning assets | 0.5321% | 2,581 |
| Net interest margin | 3.4642% | 3,843 |
| Noninterest income to average assets | 0.2178% | 5,612 |
| Noninterest expense to average assets | 2.5539% | 4,432 |
| Loan and lease loss provision to assets | 0.2777% | 739 |
| Net operating income to assets | 0.4738% | 4,818 |
| Return on assets (ROA) | 0.4738% | 4,897 |
| Pretax return on assets | 0.6480% | 4,670 |
| Return on Equity (ROE) | 4.5425% | 4,767 |
| Retained earnings to average equity (ytd only) | -7.9363% | 6,279 |
| Net charge-offs to loans | 0.5163% | 715 |
| Credit loss provision to net charge-offs | 91.0714% | 1,790 |
| Earnings coverage of net charge-offs (x) | 3.0357% | 2,742 |
| Efficiency ratio | 72.9264% | 3,319 |
| Assets per employee ($millions) | 4.5596% | 2,874 |
| Cash dividends to net income (ytd only)* | 274.7126% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 3,330 |
| Loan loss allowance to noncurrent loans | 157.8164% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 1.1281% | 2,996 |
| Noncurrent loans to loans | 0.9253% | 3,570 |
| Net loans and leases to total assets | 58.8269% | 3,724 |
| Net loans and leases to deposits | 68.7426% | 3,770 |
| Net loans and leases to core deposits | 85.4152% | 2,376 |
| Total domestic deposits to total assets | 85.5756% | 3,571 |
| Equity capital to assets | 10.4026% | 3,347 |
| Core capital (leverage) ratio | 9.7230% | 3,965 |
| Tier 1 risk-based capital ratio | 16.2037% | 3,055 |
| Total risk-based capital ratio | 17.4602% | 3,010 |
| Memoranda: | ||
| Average total assets | $73,456,000 | 5,352 |
| Average earning assets | $69,164,500 | 5,289 |
| Average equity | $7,661,000 | 5,379 |
| Average total loans | $43,386,000 | 5,193 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 1,115 |
| Cost of funding earning assets | 0.6901% | 1,888 |
| Net interest margin | 4.1993% | 1,358 |
| Noninterest income to average assets | 0.4579% | 4,037 |
| Noninterest expense to average assets | 3.2390% | 2,313 |
| Loan and lease loss provision to assets | 0.3642% | 856 |
| Net operating income to assets | 0.4968% | 4,747 |
| Return on assets (ROA) | 0.4968% | 4,883 |
| Pretax return on assets | 0.7739% | 4,246 |
| Return on Equity (ROE) | 4.9004% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.3985% | 3,046 |
| Net charge-offs to loans | 0.1750% | 3,078 |
| Credit loss provision to net charge-offs | 348.7179% | 653 |
| Earnings coverage of net charge-offs (x) | 10.8974% | 2,302 |
| Efficiency ratio | 73.6005% | 3,197 |
| Assets per employee ($millions) | 4.9306% | 2,269 |
| Cash dividends to net income (ytd only)* | 10.2426% | 4,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 3,268 |
| Loan loss allowance to noncurrent loans | 129.4949% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 1.2466% | 2,928 |
| Noncurrent loans to loans | 1.1453% | 3,251 |
| Net loans and leases to total assets | 57.5711% | 4,104 |
| Net loans and leases to deposits | 67.4188% | 4,131 |
| Net loans and leases to core deposits | 85.3885% | 2,524 |
| Total domestic deposits to total assets | 85.3933% | 3,557 |
| Equity capital to assets | 10.4558% | 3,217 |
| Core capital (leverage) ratio | 9.7931% | 3,847 |
| Tier 1 risk-based capital ratio | 16.4818% | 2,863 |
| Total risk-based capital ratio | 17.7379% | 2,822 |
| Memoranda: | ||
| Average total assets | $74,683,000 | 5,360 |
| Average earning assets | $69,702,000 | 5,319 |
| Average equity | $7,570,800 | 5,443 |
| Average total loans | $44,565,000 | 5,164 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 948 |
| Cost of funding earning assets | 0.7172% | 1,829 |
| Net interest margin | 4.2823% | 1,136 |
| Noninterest income to average assets | 0.4666% | 4,023 |
| Noninterest expense to average assets | 3.4319% | 1,754 |
| Loan and lease loss provision to assets | 0.3918% | 782 |
| Net operating income to assets | 0.4150% | 5,184 |
| Return on assets (ROA) | 0.4150% | 5,327 |
| Pretax return on assets | 0.6305% | 4,911 |
| Return on Equity (ROE) | 4.1255% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.4526% | 4,233 |
| Net charge-offs to loans | 0.3177% | 1,954 |
| Credit loss provision to net charge-offs | 205.6075% | 1,178 |
| Earnings coverage of net charge-offs (x) | 5.3646% | 3,210 |
| Efficiency ratio | 76.6893% | 2,617 |
| Assets per employee ($millions) | 4.8176% | 2,415 |
| Cash dividends to net income (ytd only)* | 16.3104% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 4,698 |
| Loan loss allowance to noncurrent loans | 80.2292% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.5872% | 2,559 |
| Noncurrent loans to loans | 1.5432% | 2,850 |
| Net loans and leases to total assets | 61.8178% | 3,392 |
| Net loans and leases to deposits | 72.5018% | 3,455 |
| Net loans and leases to core deposits | 92.9756% | 1,676 |
| Total domestic deposits to total assets | 85.2638% | 3,600 |
| Equity capital to assets | 10.4949% | 3,280 |
| Core capital (leverage) ratio | 9.8284% | 3,918 |
| Tier 1 risk-based capital ratio | 15.7245% | 3,335 |
| Total risk-based capital ratio | 16.9760% | 3,290 |
| Memoranda: | ||
| Average total assets | $74,864,000 | 5,407 |
| Average earning assets | $69,711,750 | 5,370 |
| Average equity | $7,530,250 | 5,514 |
| Average total loans | $44,901,250 | 5,205 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7352% | 1,474 |
| Cost of funding earning assets | 0.7412% | 1,762 |
| Net interest margin | 3.9940% | 1,880 |
| Noninterest income to average assets | 0.3275% | 5,074 |
| Noninterest expense to average assets | 3.1454% | 2,528 |
| Loan and lease loss provision to assets | 0.3301% | 1,044 |
| Net operating income to assets | 0.3750% | 5,308 |
| Return on assets (ROA) | 0.3750% | 5,476 |
| Pretax return on assets | 0.5520% | 5,193 |
| Return on Equity (ROE) | 3.7805% | 5,299 |
| Retained earnings to average equity (ytd only) | 2.7688% | 4,552 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7049% | 2,510 |
| Assets per employee ($millions) | 5.7448% | 1,386 |
| Cash dividends to net income (ytd only)* | 26.7606% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 4,948 |
| Loan loss allowance to noncurrent loans | 39.3398% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 2.5187% | 1,680 |
| Noncurrent loans to loans | 3.0701% | 1,447 |
| Net loans and leases to total assets | 62.6496% | 3,170 |
| Net loans and leases to deposits | 73.8249% | 3,185 |
| Net loans and leases to core deposits | 90.6340% | 1,849 |
| Total domestic deposits to total assets | 84.8625% | 3,958 |
| Equity capital to assets | 10.0600% | 3,839 |
| Core capital (leverage) ratio | 9.3815% | 4,415 |
| Tier 1 risk-based capital ratio | 14.5244% | 4,086 |
| Total risk-based capital ratio | 15.7753% | 4,055 |
| Memoranda: | ||
| Average total assets | $75,730,670 | 5,420 |
| Average earning assets | $70,155,000 | 5,389 |
| Average equity | $7,512,330 | 5,558 |
| Average total loans | $44,791,000 | 5,232 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 2,171 |
| Cost of funding earning assets | 0.7585% | 1,781 |
| Net interest margin | 3.7414% | 2,694 |
| Noninterest income to average assets | 0.3672% | 4,736 |
| Noninterest expense to average assets | 2.8746% | 3,443 |
| Loan and lease loss provision to assets | 0.3829% | 828 |
| Net operating income to assets | 0.4039% | 5,116 |
| Return on assets (ROA) | 0.4039% | 5,260 |
| Pretax return on assets | 0.5508% | 5,109 |
| Return on Equity (ROE) | 4.1001% | 5,041 |
| Retained earnings to average equity (ytd only) | 2.0767% | 4,970 |
| Net charge-offs to loans | 0.0276% | 3,644 |
| Credit loss provision to net charge-offs | 2,433.3333% | 131 |
| Earnings coverage of net charge-offs (x) | 59.3333% | 602 |
| Efficiency ratio | 75.0689% | 3,087 |
| Assets per employee ($millions) | 5.2830% | 1,881 |
| Cash dividends to net income (ytd only)* | 49.3506% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 5,088 |
| Loan loss allowance to noncurrent loans | 28.9474% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 2.8065% | 1,613 |
| Noncurrent loans to loans | 4.2179% | 1,038 |
| Net loans and leases to total assets | 52.7806% | 4,586 |
| Net loans and leases to deposits | 61.8161% | 4,576 |
| Net loans and leases to core deposits | 77.8854% | 3,082 |
| Total domestic deposits to total assets | 85.3833% | 3,855 |
| Equity capital to assets | 9.4959% | 4,855 |
| Core capital (leverage) ratio | 8.7515% | 5,257 |
| Tier 1 risk-based capital ratio | 15.3817% | 3,603 |
| Total risk-based capital ratio | 16.6324% | 3,557 |
| Memoranda: | ||
| Average total assets | $76,255,000 | 5,457 |
| Average earning assets | $70,134,000 | 5,432 |
| Average equity | $7,512,000 | 5,621 |
| Average total loans | $43,506,500 | 5,319 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0191% | 261 |
| Cost of funding earning assets | 1.0185% | 1,263 |
| Net interest margin | 5.0006% | 387 |
| Noninterest income to average assets | 0.4869% | 3,986 |
| Noninterest expense to average assets | 3.4517% | 1,943 |
| Loan and lease loss provision to assets | 0.3339% | 2,023 |
| Net operating income to assets | 0.7787% | 3,379 |
| Return on assets (ROA) | 0.7787% | 3,631 |
| Pretax return on assets | 1.2825% | 2,480 |
| Return on Equity (ROE) | 7.6923% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.6923% | 1,240 |
| Net charge-offs to loans | 0.6302% | 1,862 |
| Credit loss provision to net charge-offs | 89.1386% | 3,507 |
| Earnings coverage of net charge-offs (x) | 4.3146% | 3,413 |
| Efficiency ratio | 67.7464% | 4,198 |
| Assets per employee ($millions) | 4.3097% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 5,954 |
| Loan loss allowance to noncurrent loans | 24.4932% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 3.2635% | 1,414 |
| Noncurrent loans to loans | 4.0855% | 1,140 |
| Net loans and leases to total assets | 60.3603% | 3,537 |
| Net loans and leases to deposits | 72.3698% | 3,352 |
| Net loans and leases to core deposits | 94.2780% | 1,443 |
| Total domestic deposits to total assets | 83.4054% | 4,564 |
| Equity capital to assets | 10.2354% | 3,847 |
| Core capital (leverage) ratio | 9.4139% | 4,240 |
| Tier 1 risk-based capital ratio | 15.2593% | 3,574 |
| Total risk-based capital ratio | 16.4006% | 3,584 |
| Memoranda: | ||
| Average total assets | $71,269,800 | 5,598 |
| Average earning assets | $65,292,200 | 5,579 |
| Average equity | $7,215,000 | 5,702 |
| Average total loans | $42,367,200 | 5,404 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2252% | 200 |
| Cost of funding earning assets | 1.0692% | 1,198 |
| Net interest margin | 5.1559% | 309 |
| Noninterest income to average assets | 0.4314% | 4,407 |
| Noninterest expense to average assets | 3.4929% | 1,780 |
| Loan and lease loss provision to assets | 0.2638% | 2,465 |
| Net operating income to assets | 0.8629% | 3,168 |
| Return on assets (ROA) | 0.8629% | 3,409 |
| Pretax return on assets | 1.4262% | 2,155 |
| Return on Equity (ROE) | 8.5477% | 3,021 |
| Retained earnings to average equity (ytd only) | 8.5477% | 1,395 |
| Net charge-offs to loans | 0.5264% | 2,038 |
| Credit loss provision to net charge-offs | 84.8485% | 3,466 |
| Earnings coverage of net charge-offs (x) | 5.4365% | 3,031 |
| Efficiency ratio | 67.0665% | 4,236 |
| Assets per employee ($millions) | 4.1904% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 5,830 |
| Loan loss allowance to noncurrent loans | 34.2185% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 2.8791% | 1,821 |
| Noncurrent loans to loans | 3.1234% | 1,779 |
| Net loans and leases to total assets | 58.6030% | 4,022 |
| Net loans and leases to deposits | 70.0183% | 3,894 |
| Net loans and leases to core deposits | 90.4143% | 1,934 |
| Total domestic deposits to total assets | 83.6967% | 4,362 |
| Equity capital to assets | 10.4061% | 3,952 |
| Core capital (leverage) ratio | 9.5429% | 4,204 |
| Tier 1 risk-based capital ratio | 15.9933% | 3,262 |
| Total risk-based capital ratio | 17.2049% | 3,261 |
| Memoranda: | ||
| Average total assets | $70,771,000 | 5,673 |
| Average earning assets | $65,217,500 | 5,633 |
| Average equity | $7,144,000 | 5,785 |
| Average total loans | $41,791,500 | 5,491 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1526% | 239 |
| Cost of funding earning assets | 1.1187% | 1,135 |
| Net interest margin | 5.0340% | 380 |
| Noninterest income to average assets | 0.3059% | 5,365 |
| Noninterest expense to average assets | 3.5913% | 1,595 |
| Loan and lease loss provision to assets | 0.2634% | 2,472 |
| Net operating income to assets | 0.6288% | 4,233 |
| Return on assets (ROA) | 0.6288% | 4,480 |
| Pretax return on assets | 1.0904% | 3,338 |
| Return on Equity (ROE) | 6.2940% | 4,162 |
| Retained earnings to average equity (ytd only) | 6.2940% | 2,505 |
| Net charge-offs to loans | 0.7730% | 1,422 |
| Credit loss provision to net charge-offs | 57.7640% | 3,859 |
| Earnings coverage of net charge-offs (x) | 2.9689% | 3,560 |
| Efficiency ratio | 72.2222% | 3,388 |
| Assets per employee ($millions) | 4.6842% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 6,412 |
| Loan loss allowance to noncurrent loans | 37.2263% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 2.6230% | 2,111 |
| Noncurrent loans to loans | 2.4677% | 2,433 |
| Net loans and leases to total assets | 62.6304% | 3,303 |
| Net loans and leases to deposits | 74.2918% | 3,243 |
| Net loans and leases to core deposits | 99.5138% | 1,131 |
| Total domestic deposits to total assets | 84.3033% | 4,191 |
| Equity capital to assets | 10.2102% | 4,039 |
| Core capital (leverage) ratio | 9.3323% | 4,407 |
| Tier 1 risk-based capital ratio | 14.7666% | 3,920 |
| Total risk-based capital ratio | 15.8131% | 4,024 |
| Memoranda: | ||
| Average total assets | $70,615,670 | 5,717 |
| Average earning assets | $65,078,000 | 5,671 |
| Average equity | $7,054,330 | 5,833 |
| Average total loans | $41,656,000 | 5,527 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9014% | 358 |
| Cost of funding earning assets | 1.1877% | 1,042 |
| Net interest margin | 4.7137% | 668 |
| Noninterest income to average assets | 0.1356% | 6,571 |
| Noninterest expense to average assets | 3.3563% | 2,126 |
| Loan and lease loss provision to assets | 0.2656% | 2,338 |
| Net operating income to assets | 0.5650% | 4,517 |
| Return on assets (ROA) | 0.5650% | 4,741 |
| Pretax return on assets | 0.8419% | 4,260 |
| Return on Equity (ROE) | 5.7188% | 4,450 |
| Retained earnings to average equity (ytd only) | 5.7188% | 3,137 |
| Net charge-offs to loans | 1.5890% | 624 |
| Credit loss provision to net charge-offs | 29.3750% | 3,634 |
| Earnings coverage of net charge-offs (x) | 1.2250% | 3,727 |
| Efficiency ratio | 74.8101% | 2,974 |
| Assets per employee ($millions) | 4.7079% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8983% | 6,536 |
| Loan loss allowance to noncurrent loans | 42.1603% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 1.8522% | 3,111 |
| Noncurrent loans to loans | 2.1308% | 2,989 |
| Net loans and leases to total assets | 56.7057% | 4,255 |
| Net loans and leases to deposits | 67.6687% | 4,120 |
| Net loans and leases to core deposits | 90.6077% | 1,788 |
| Total domestic deposits to total assets | 83.7990% | 4,593 |
| Equity capital to assets | 9.9761% | 4,150 |
| Core capital (leverage) ratio | 9.1056% | 4,676 |
| Tier 1 risk-based capital ratio | 15.1914% | 3,624 |
| Total risk-based capital ratio | 16.1701% | 3,777 |
| Memoranda: | ||
| Average total assets | $70,792,000 | 5,744 |
| Average earning assets | $65,001,500 | 5,720 |
| Average equity | $6,994,500 | 5,874 |
| Average total loans | $40,277,000 | 5,629 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 5,029 |
| Cost of funding earning assets | 1.3094% | 1,439 |
| Net interest margin | 3.2010% | 6,094 |
| Noninterest income to average assets | 0.9346% | 1,551 |
| Noninterest expense to average assets | 2.8162% | 4,283 |
| Loan and lease loss provision to assets | 0.2063% | 4,124 |
| Net operating income to assets | 0.5066% | 4,399 |
| Return on assets (ROA) | 0.5066% | 4,606 |
| Pretax return on assets | 0.8330% | 3,853 |
| Return on Equity (ROE) | 5.5074% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.5074% | 2,296 |
| Net charge-offs to loans | 0.5286% | 2,887 |
| Credit loss provision to net charge-offs | 68.0203% | 4,929 |
| Earnings coverage of net charge-offs (x) | 3.4264% | 3,525 |
| Efficiency ratio | 72.1246% | 3,554 |
| Assets per employee ($millions) | 5.4588% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6800% | 6,932 |
| Loan loss allowance to noncurrent loans | 38.8889% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 2.0235% | 2,936 |
| Noncurrent loans to loans | 1.7486% | 3,531 |
| Net loans and leases to total assets | 56.1869% | 4,670 |
| Net loans and leases to deposits | 67.2724% | 4,543 |
| Net loans and leases to core deposits | 83.2231% | 2,993 |
| Total domestic deposits to total assets | 83.5215% | 4,531 |
| Equity capital to assets | 9.7851% | 4,460 |
| Core capital (leverage) ratio | 8.9366% | 4,883 |
| Tier 1 risk-based capital ratio | 15.4707% | 3,346 |
| Total risk-based capital ratio | 16.1437% | 3,679 |
| Memoranda: | ||
| Average total assets | $64,944,800 | 5,898 |
| Average earning assets | $59,263,600 | 5,887 |
| Average equity | $5,973,800 | 6,166 |
| Average total loans | $37,271,200 | 5,819 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5014% | 5,250 |
| Cost of funding earning assets | 1.3147% | 1,623 |
| Net interest margin | 3.1867% | 6,191 |
| Noninterest income to average assets | 0.6179% | 3,065 |
| Noninterest expense to average assets | 2.8625% | 4,091 |
| Loan and lease loss provision to assets | 0.1261% | 4,853 |
| Net operating income to assets | 0.3426% | 5,241 |
| Return on assets (ROA) | 0.3426% | 5,413 |
| Pretax return on assets | 0.5380% | 5,010 |
| Return on Equity (ROE) | 3.7920% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.7920% | 4,032 |
| Net charge-offs to loans | 0.3502% | 3,344 |
| Credit loss provision to net charge-offs | 62.5000% | 4,726 |
| Earnings coverage of net charge-offs (x) | 3.2916% | 3,498 |
| Efficiency ratio | 80.1549% | 2,237 |
| Assets per employee ($millions) | 5.3284% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 6,895 |
| Loan loss allowance to noncurrent loans | 82.4176% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.7699% | 3,443 |
| Noncurrent loans to loans | 0.9115% | 5,044 |
| Net loans and leases to total assets | 57.2161% | 4,640 |
| Net loans and leases to deposits | 66.9657% | 4,761 |
| Net loans and leases to core deposits | 82.9594% | 3,196 |
| Total domestic deposits to total assets | 85.4408% | 3,534 |
| Equity capital to assets | 8.5031% | 6,292 |
| Core capital (leverage) ratio | 7.5975% | 6,696 |
| Tier 1 risk-based capital ratio | 13.2842% | 4,885 |
| Total risk-based capital ratio | 14.0498% | 5,233 |
| Memoranda: | ||
| Average total assets | $63,439,750 | 5,982 |
| Average earning assets | $57,906,750 | 5,980 |
| Average equity | $5,731,250 | 6,269 |
| Average total loans | $36,552,500 | 5,892 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 5,177 |
| Cost of funding earning assets | 1.3727% | 1,537 |
| Net interest margin | 3.1757% | 6,228 |
| Noninterest income to average assets | 0.6049% | 3,101 |
| Noninterest expense to average assets | 3.0831% | 3,319 |
| Loan and lease loss provision to assets | 0.0488% | 5,704 |
| Net operating income to assets | 0.2732% | 5,471 |
| Return on assets (ROA) | 0.2732% | 5,598 |
| Pretax return on assets | 0.3773% | 5,463 |
| Return on Equity (ROE) | 2.9586% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.9586% | 4,396 |
| Net charge-offs to loans | 0.1016% | 4,666 |
| Credit loss provision to net charge-offs | 83.3333% | 3,669 |
| Earnings coverage of net charge-offs (x) | 7.2778% | 2,251 |
| Efficiency ratio | 86.8397% | 1,525 |
| Assets per employee ($millions) | 4.7922% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 6,715 |
| Loan loss allowance to noncurrent loans | 87.6316% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.9631% | 3,283 |
| Noncurrent loans to loans | 1.0035% | 4,992 |
| Net loans and leases to total assets | 60.2491% | 4,227 |
| Net loans and leases to deposits | 71.4811% | 4,208 |
| Net loans and leases to core deposits | 90.4804% | 2,307 |
| Total domestic deposits to total assets | 84.2868% | 4,217 |
| Equity capital to assets | 9.2427% | 5,216 |
| Core capital (leverage) ratio | 8.3090% | 5,857 |
| Tier 1 risk-based capital ratio | 13.4052% | 4,604 |
| Total risk-based capital ratio | 14.0441% | 5,069 |
| Memoranda: | ||
| Average total assets | $61,496,670 | 6,090 |
| Average earning assets | $56,240,330 | 6,074 |
| Average equity | $5,678,330 | 6,322 |
| Average total loans | $35,425,670 | 5,996 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3295% | 5,917 |
| Cost of funding earning assets | 1.4074% | 1,571 |
| Net interest margin | 2.9220% | 6,720 |
| Noninterest income to average assets | 0.5958% | 3,200 |
| Noninterest expense to average assets | 2.7891% | 4,493 |
| Loan and lease loss provision to assets | 0.1309% | 4,365 |
| Net operating income to assets | 0.2750% | 5,520 |
| Return on assets (ROA) | 0.2750% | 5,581 |
| Pretax return on assets | 0.3535% | 5,491 |
| Return on Equity (ROE) | 2.9795% | 5,384 |
| Retained earnings to average equity (ytd only) | 2.9795% | 4,380 |
| Net charge-offs to loans | -0.0117% | 6,403 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0000% | 1,955 |
| Assets per employee ($millions) | 5.1000% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 6,365 |
| Loan loss allowance to noncurrent loans | 63.6364% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 2.1683% | 3,108 |
| Noncurrent loans to loans | 1.5838% | 4,107 |
| Net loans and leases to total assets | 57.2941% | 4,748 |
| Net loans and leases to deposits | 67.2007% | 4,803 |
| Net loans and leases to core deposits | 86.2053% | 2,837 |
| Total domestic deposits to total assets | 85.2582% | 3,914 |
| Equity capital to assets | 9.2369% | 4,831 |
| Core capital (leverage) ratio | 8.3684% | 5,687 |
| Tier 1 risk-based capital ratio | 13.7108% | 4,274 |
| Total risk-based capital ratio | 14.6757% | 4,458 |
| Memoranda: | ||
| Average total assets | $61,096,000 | 6,153 |
| Average earning assets | $55,988,500 | 6,129 |
| Average equity | $5,638,500 | 6,354 |
| Average total loans | $34,205,000 | 6,116 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2459% | 3,383 |
| Cost of funding earning assets | 1.7850% | 1,229 |
| Net interest margin | 3.4609% | 5,395 |
| Noninterest income to average assets | 2.8905% | 241 |
| Noninterest expense to average assets | 3.0625% | 3,619 |
| Loan and lease loss provision to assets | 0.6935% | 2,371 |
| Net operating income to assets | 1.3655% | 1,021 |
| Return on assets (ROA) | 1.3667% | 1,091 |
| Pretax return on assets | 2.1268% | 374 |
| Return on Equity (ROE) | 13.5881% | 967 |
| Retained earnings to average equity (ytd only) | 11.5655% | 318 |
| Net charge-offs to loans | 0.4480% | 3,823 |
| Credit loss provision to net charge-offs | 292.9688% | 920 |
| Earnings coverage of net charge-offs (x) | 11.9063% | 1,558 |
| Efficiency ratio | 51.3836% | 7,033 |
| Assets per employee ($millions) | 5.0827% | 2,036 |
| Cash dividends to net income (ytd only)* | 14.8850% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 6,294 |
| Loan loss allowance to noncurrent loans | 48.0687% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 2.2429% | 3,038 |
| Noncurrent loans to loans | 2.1189% | 3,409 |
| Net loans and leases to total assets | 53.5365% | 5,698 |
| Net loans and leases to deposits | 61.5351% | 5,889 |
| Net loans and leases to core deposits | 78.5343% | 4,392 |
| Total domestic deposits to total assets | 87.0016% | 2,822 |
| Equity capital to assets | 9.2209% | 4,805 |
| Core capital (leverage) ratio | 8.3216% | 5,657 |
| Tier 1 risk-based capital ratio | 14.2049% | 3,738 |
| Total risk-based capital ratio | 15.1548% | 3,901 |
| Memoranda: | ||
| Average total assets | $54,073,000 | 6,401 |
| Average earning assets | $46,721,800 | 6,487 |
| Average equity | $5,438,600 | 6,525 |
| Average total loans | $28,573,000 | 6,469 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2210% | 3,733 |
| Cost of funding earning assets | 1.8743% | 1,119 |
| Net interest margin | 3.3467% | 5,855 |
| Noninterest income to average assets | 1.8187% | 443 |
| Noninterest expense to average assets | 2.8835% | 4,156 |
| Loan and lease loss provision to assets | 0.8533% | 1,776 |
| Net operating income to assets | 1.0953% | 1,904 |
| Return on assets (ROA) | 1.0978% | 2,001 |
| Pretax return on assets | 0.9272% | 3,461 |
| Return on Equity (ROE) | 10.6570% | 1,887 |
| Retained earnings to average equity (ytd only) | 7.9371% | 1,443 |
| Net charge-offs to loans | 0.6504% | 2,806 |
| Credit loss provision to net charge-offs | 250.0000% | 1,328 |
| Earnings coverage of net charge-offs (x) | 5.2090% | 2,813 |
| Efficiency ratio | 61.4208% | 5,718 |
| Assets per employee ($millions) | 4.7763% | 2,484 |
| Cash dividends to net income (ytd only)* | 25.5216% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8156% | 6,971 |
| Loan loss allowance to noncurrent loans | 20.9398% | 6,863 |
| Noncurrent assets plus other real estate owned to assets | 3.3307% | 2,138 |
| Noncurrent loans to loans | 3.8952% | 1,945 |
| Net loans and leases to total assets | 53.8890% | 5,866 |
| Net loans and leases to deposits | 61.7987% | 6,135 |
| Net loans and leases to core deposits | 79.3072% | 4,616 |
| Total domestic deposits to total assets | 87.2008% | 2,421 |
| Equity capital to assets | 9.6308% | 4,650 |
| Core capital (leverage) ratio | 8.7751% | 5,052 |
| Tier 1 risk-based capital ratio | 12.8094% | 4,727 |
| Total risk-based capital ratio | 13.4630% | 5,228 |
| Memoranda: | ||
| Average total assets | $52,343,250 | 6,523 |
| Average earning assets | $44,460,500 | 6,638 |
| Average equity | $5,392,250 | 6,627 |
| Average total loans | $27,469,000 | 6,616 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7031% | 1,749 |
| Cost of funding earning assets | 2.0020% | 912 |
| Net interest margin | 3.7011% | 4,361 |
| Noninterest income to average assets | 2.3360% | 286 |
| Noninterest expense to average assets | 2.9713% | 3,822 |
| Loan and lease loss provision to assets | 0.7300% | 1,993 |
| Net operating income to assets | 1.9848% | 342 |
| Return on assets (ROA) | 1.9887% | 376 |
| Pretax return on assets | 1.7244% | 1,016 |
| Return on Equity (ROE) | 18.8423% | 401 |
| Retained earnings to average equity (ytd only) | 14.7299% | 261 |
| Net charge-offs to loans | 0.8154% | 2,208 |
| Credit loss provision to net charge-offs | 172.8972% | 2,257 |
| Earnings coverage of net charge-offs (x) | 5.8037% | 2,594 |
| Efficiency ratio | 54.4396% | 6,826 |
| Assets per employee ($millions) | 4.2892% | 3,234 |
| Cash dividends to net income (ytd only)* | 21.8254% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4337% | 7,574 |
| Loan loss allowance to noncurrent loans | 8.5770% | 7,280 |
| Noncurrent assets plus other real estate owned to assets | 3.9939% | 1,735 |
| Noncurrent loans to loans | 5.0563% | 1,361 |
| Net loans and leases to total assets | 54.3490% | 5,944 |
| Net loans and leases to deposits | 62.8057% | 6,158 |
| Net loans and leases to core deposits | 80.5299% | 4,627 |
| Total domestic deposits to total assets | 86.5352% | 2,796 |
| Equity capital to assets | 9.9749% | 4,055 |
| Core capital (leverage) ratio | 9.1413% | 4,386 |
| Tier 1 risk-based capital ratio | 16.2294% | 2,581 |
| Total risk-based capital ratio | 16.6538% | 2,917 |
| Memoranda: | ||
| Average total assets | $50,685,670 | 6,628 |
| Average earning assets | $42,258,000 | 6,767 |
| Average equity | $5,349,670 | 6,667 |
| Average total loans | $26,245,000 | 6,730 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0701% | 4,675 |
| Cost of funding earning assets | 2.1950% | 602 |
| Net interest margin | 2.8751% | 7,063 |
| Noninterest income to average assets | 0.6729% | 2,792 |
| Noninterest expense to average assets | 2.9077% | 4,031 |
| Loan and lease loss provision to assets | 1.3126% | 916 |
| Net operating income to assets | -1.2711% | 7,245 |
| Return on assets (ROA) | -1.2711% | 7,262 |
| Pretax return on assets | -1.2295% | 7,160 |
| Return on Equity (ROE) | -11.6716% | 7,195 |
| Retained earnings to average equity (ytd only) | -20.0629% | 7,371 |
| Net charge-offs to loans | 1.9214% | 897 |
| Credit loss provision to net charge-offs | 136.2069% | 2,597 |
| Earnings coverage of net charge-offs (x) | 0.0862% | 4,954 |
| Efficiency ratio | 96.6667% | 988 |
| Assets per employee ($millions) | 4.2984% | 3,296 |
| Cash dividends to net income (ytd only)* | -71.8954% | 7,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4402% | 7,657 |
| Loan loss allowance to noncurrent loans | 3.4421% | 7,393 |
| Noncurrent assets plus other real estate owned to assets | 6.6895% | 831 |
| Noncurrent loans to loans | 12.7875% | 258 |
| Net loans and leases to total assets | 46.5506% | 6,789 |
| Net loans and leases to deposits | 55.5919% | 6,806 |
| Net loans and leases to core deposits | 72.8199% | 5,630 |
| Total domestic deposits to total assets | 83.7363% | 4,274 |
| Equity capital to assets | 9.5617% | 4,439 |
| Core capital (leverage) ratio | 8.7413% | 4,952 |
| Tier 1 risk-based capital ratio | 14.4310% | 3,423 |
| Total risk-based capital ratio | 14.7739% | 3,931 |
| Memoranda: | ||
| Average total assets | $48,148,500 | 6,796 |
| Average earning assets | $38,815,500 | 6,984 |
| Average equity | $5,243,500 | 6,760 |
| Average total loans | $24,149,000 | 6,934 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5591% | 3,819 |
| Cost of funding earning assets | 2.2048% | 2,009 |
| Net interest margin | 3.3544% | 5,546 |
| Noninterest income to average assets | 1.1395% | 1,187 |
| Noninterest expense to average assets | 2.5375% | 5,998 |
| Loan and lease loss provision to assets | 0.6422% | 3,231 |
| Net operating income to assets | 0.5353% | 3,589 |
| Return on assets (ROA) | 0.5172% | 3,756 |
| Pretax return on assets | 0.8581% | 3,063 |
| Return on Equity (ROE) | 3.6022% | 4,255 |
| Retained earnings to average equity (ytd only) | 3.6022% | 2,664 |
| Net charge-offs to loans | 1.3031% | 1,905 |
| Credit loss provision to net charge-offs | 79.5775% | 6,287 |
| Earnings coverage of net charge-offs (x) | 1.8944% | 4,302 |
| Efficiency ratio | 61.7051% | 6,202 |
| Assets per employee ($millions) | 5.0523% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3293% | 7,808 |
| Loan loss allowance to noncurrent loans | 6.5237% | 7,411 |
| Noncurrent assets plus other real estate owned to assets | 3.4440% | 1,955 |
| Noncurrent loans to loans | 5.0471% | 1,335 |
| Net loans and leases to total assets | 54.6737% | 6,124 |
| Net loans and leases to deposits | 65.7718% | 6,072 |
| Net loans and leases to core deposits | 105.5402% | 3,387 |
| Total domestic deposits to total assets | 83.1263% | 4,469 |
| Equity capital to assets | 12.7270% | 1,625 |
| Core capital (leverage) ratio | 11.5930% | 1,870 |
| Tier 1 risk-based capital ratio | 21.4309% | 1,229 |
| Total risk-based capital ratio | 21.7694% | 1,339 |
| Memoranda: | ||
| Average total assets | $35,192,400 | 7,272 |
| Average earning assets | $30,706,200 | 7,326 |
| Average equity | $5,052,400 | 6,922 |
| Average total loans | $21,794,600 | 7,100 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8406% | 2,702 |
| Cost of funding earning assets | 2.2723% | 2,099 |
| Net interest margin | 3.5683% | 4,600 |
| Noninterest income to average assets | 0.6335% | 3,471 |
| Noninterest expense to average assets | 2.6441% | 5,544 |
| Loan and lease loss provision to assets | 0.5745% | 3,084 |
| Net operating income to assets | 0.3608% | 4,551 |
| Return on assets (ROA) | 0.3344% | 4,757 |
| Pretax return on assets | 0.4958% | 4,530 |
| Return on Equity (ROE) | 2.2533% | 5,079 |
| Retained earnings to average equity (ytd only) | 2.2533% | 4,071 |
| Net charge-offs to loans | 1.5606% | 1,311 |
| Credit loss provision to net charge-offs | 57.4803% | 6,207 |
| Earnings coverage of net charge-offs (x) | 1.1102% | 4,952 |
| Efficiency ratio | 69.7065% | 4,645 |
| Assets per employee ($millions) | 4.3259% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1030% | 8,004 |
| Loan loss allowance to noncurrent loans | 2.2417% | 7,521 |
| Noncurrent assets plus other real estate owned to assets | 3.8027% | 1,704 |
| Noncurrent loans to loans | 4.5966% | 1,505 |
| Net loans and leases to total assets | 64.4321% | 4,766 |
| Net loans and leases to deposits | 81.7345% | 4,079 |
| Net loans and leases to core deposits | 111.2286% | 3,100 |
| Total domestic deposits to total assets | 78.8309% | 5,860 |
| Equity capital to assets | 14.6213% | 1,111 |
| Core capital (leverage) ratio | 13.2897% | 1,296 |
| Tier 1 risk-based capital ratio | 21.7682% | 1,252 |
| Total risk-based capital ratio | 21.8789% | 1,389 |
| Memoranda: | ||
| Average total assets | $33,886,000 | 7,387 |
| Average earning assets | $29,631,000 | 7,434 |
| Average equity | $5,029,500 | 6,987 |
| Average total loans | $21,700,500 | 7,162 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6501% | 3,814 |
| Cost of funding earning assets | 2.3142% | 2,298 |
| Net interest margin | 3.3359% | 5,416 |
| Noninterest income to average assets | 0.5885% | 3,779 |
| Noninterest expense to average assets | 2.5798% | 5,821 |
| Loan and lease loss provision to assets | 0.3091% | 4,100 |
| Net operating income to assets | 0.4458% | 4,309 |
| Return on assets (ROA) | 0.4458% | 4,414 |
| Pretax return on assets | 0.6301% | 4,233 |
| Return on Equity (ROE) | 2.9884% | 4,907 |
| Retained earnings to average equity (ytd only) | 2.9884% | 3,659 |
| Net charge-offs to loans | 1.0049% | 1,760 |
| Credit loss provision to net charge-offs | 48.1481% | 5,792 |
| Earnings coverage of net charge-offs (x) | 1.4630% | 4,438 |
| Efficiency ratio | 72.4662% | 4,320 |
| Assets per employee ($millions) | 4.3399% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3492% | 7,948 |
| Loan loss allowance to noncurrent loans | 4.4910% | 7,546 |
| Noncurrent assets plus other real estate owned to assets | 5.5992% | 891 |
| Noncurrent loans to loans | 7.7758% | 581 |
| Net loans and leases to total assets | 61.6435% | 5,417 |
| Net loans and leases to deposits | 76.4494% | 5,103 |
| Net loans and leases to core deposits | 101.1007% | 4,392 |
| Total domestic deposits to total assets | 80.6331% | 5,217 |
| Equity capital to assets | 14.5540% | 1,150 |
| Core capital (leverage) ratio | 13.2107% | 1,365 |
| Tier 1 risk-based capital ratio | 22.9365% | 1,142 |
| Total risk-based capital ratio | 23.3179% | 1,216 |
| Memoranda: | ||
| Average total assets | $33,645,670 | 7,460 |
| Average earning assets | $29,557,000 | 7,496 |
| Average equity | $5,019,330 | 7,053 |
| Average total loans | $21,493,670 | 7,242 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7493% | 3,535 |
| Cost of funding earning assets | 2.4035% | 2,279 |
| Net interest margin | 3.3458% | 5,340 |
| Noninterest income to average assets | 0.6403% | 3,269 |
| Noninterest expense to average assets | 2.3679% | 6,305 |
| Loan and lease loss provision to assets | 0.3141% | 3,454 |
| Net operating income to assets | 0.6282% | 3,892 |
| Return on assets (ROA) | 0.6282% | 4,074 |
| Pretax return on assets | 0.9182% | 3,647 |
| Return on Equity (ROE) | 4.1579% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.1579% | 3,600 |
| Net charge-offs to loans | 2.3626% | 615 |
| Credit loss provision to net charge-offs | 20.4724% | 5,070 |
| Earnings coverage of net charge-offs (x) | 0.8031% | 4,387 |
| Efficiency ratio | 64.7651% | 5,553 |
| Assets per employee ($millions) | 4.7509% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1406% | 8,140 |
| Loan loss allowance to noncurrent loans | 1.3876% | 7,571 |
| Noncurrent assets plus other real estate owned to assets | 6.9882% | 487 |
| Noncurrent loans to loans | 10.1341% | 279 |
| Net loans and leases to total assets | 64.0606% | 4,977 |
| Net loans and leases to deposits | 79.8501% | 4,638 |
| Net loans and leases to core deposits | 99.6912% | 4,568 |
| Total domestic deposits to total assets | 80.2261% | 5,273 |
| Equity capital to assets | 15.0920% | 1,079 |
| Core capital (leverage) ratio | 13.7190% | 1,259 |
| Tier 1 risk-based capital ratio | 23.2071% | 1,169 |
| Total risk-based capital ratio | 23.3623% | 1,256 |
| Memoranda: | ||
| Average total assets | $33,109,000 | 7,524 |
| Average earning assets | $29,290,500 | 7,552 |
| Average equity | $5,002,500 | 7,106 |
| Average total loans | $21,502,000 | 7,274 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5128% | 2,895 |
| Cost of funding earning assets | 2.8903% | 2,302 |
| Net interest margin | 3.6225% | 4,774 |
| Noninterest income to average assets | 2.0685% | 329 |
| Noninterest expense to average assets | 2.7696% | 4,952 |
| Loan and lease loss provision to assets | 0.2263% | 4,624 |
| Net operating income to assets | 1.3926% | 1,247 |
| Return on assets (ROA) | 1.3926% | 1,194 |
| Pretax return on assets | 2.3232% | 293 |
| Return on Equity (ROE) | 9.3753% | 2,486 |
| Retained earnings to average equity (ytd only) | 9.3753% | 542 |
| Net charge-offs to loans | 0.4406% | 2,627 |
| Credit loss provision to net charge-offs | 79.1209% | 5,916 |
| Earnings coverage of net charge-offs (x) | 8.9121% | 2,798 |
| Efficiency ratio | 51.5366% | 7,538 |
| Assets per employee ($millions) | 4.7089% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6045% | 7,674 |
| Loan loss allowance to noncurrent loans | 7.7976% | 7,528 |
| Noncurrent assets plus other real estate owned to assets | 5.6975% | 547 |
| Noncurrent loans to loans | 7.7527% | 357 |
| Net loans and leases to total assets | 65.3449% | 4,981 |
| Net loans and leases to deposits | 83.6141% | 4,477 |
| Net loans and leases to core deposits | 100.3962% | 4,787 |
| Total domestic deposits to total assets | 78.1506% | 5,665 |
| Equity capital to assets | 15.1265% | 1,127 |
| Core capital (leverage) ratio | 13.6880% | 1,337 |
| Tier 1 risk-based capital ratio | 22.3839% | 1,267 |
| Total risk-based capital ratio | 23.0458% | 1,304 |
| Memoranda: | ||
| Average total assets | $31,810,200 | 7,575 |
| Average earning assets | $28,543,600 | 7,587 |
| Average equity | $4,725,200 | 7,244 |
| Average total loans | $20,652,400 | 7,288 |