Home > CornerStone Bank > Performance and Condition Ratios
CornerStone Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 1,934 |
| Cost of funding earning assets | 1.5100% | 1,920 |
| Net interest margin | 3.5576% | 2,049 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.8791% | 1,314 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.0594% | 2,043 |
| Return on assets (ROA) | 1.0594% | 2,008 |
| Pretax return on assets | 1.2198% | 2,092 |
| Return on Equity (ROE) | 10.7900% | 2,281 |
| Retained earnings to average equity (ytd only) | 7.6111% | 1,664 |
| Net charge-offs to loans | -0.0254% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.3549% | 1,829 |
| Assets per employee ($millions) | 5.9498% | 2,864 |
| Cash dividends to net income (ytd only)* | 29.4355% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8007% | 3,959 |
| Loan loss allowance to noncurrent loans | 138.2600% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 1,246 |
| Noncurrent loans to loans | 0.5792% | 1,351 |
| Net loans and leases to total assets | 76.2900% | 1,080 |
| Net loans and leases to deposits | 91.0039% | 1,184 |
| Net loans and leases to core deposits | 103.9089% | 1,219 |
| Total domestic deposits to total assets | 83.8300% | 2,667 |
| Equity capital to assets | 10.0200% | 1,995 |
| Core capital (leverage) ratio | 10.1077% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $210,694,400 | 2,906 |
| Average earning assets | $195,893,000 | 2,905 |
| Average equity | $20,693,400 | 2,799 |
| Average total loans | $165,617,600 | 2,555 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0034% | 1,821 |
| Cost of funding earning assets | 1.4009% | 1,864 |
| Net interest margin | 3.6025% | 2,005 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.8405% | 1,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7206% | 3,255 |
| Return on assets (ROA) | 0.7206% | 3,242 |
| Pretax return on assets | 0.8973% | 3,108 |
| Return on Equity (ROE) | 7.3700% | 3,335 |
| Retained earnings to average equity (ytd only) | 7.3750% | 2,177 |
| Net charge-offs to loans | -0.0217% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.9946% | 1,168 |
| Assets per employee ($millions) | 6.2333% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7826% | 4,013 |
| Loan loss allowance to noncurrent loans | 186.5522% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 1,709 |
| Noncurrent loans to loans | 0.4195% | 1,781 |
| Net loans and leases to total assets | 78.0100% | 883 |
| Net loans and leases to deposits | 93.0475% | 964 |
| Net loans and leases to core deposits | 107.8596% | 943 |
| Total domestic deposits to total assets | 83.8400% | 2,823 |
| Equity capital to assets | 9.9164% | 1,874 |
| Core capital (leverage) ratio | 10.0419% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $209,820,000 | 2,920 |
| Average earning assets | $194,821,250 | 2,921 |
| Average equity | $20,501,250 | 2,804 |
| Average total loans | $165,841,750 | 2,561 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9467% | 1,661 |
| Cost of funding earning assets | 1.2875% | 1,745 |
| Net interest margin | 3.6593% | 1,900 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.8874% | 1,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7192% | 3,306 |
| Return on assets (ROA) | 0.7192% | 3,300 |
| Pretax return on assets | 0.8952% | 3,172 |
| Return on Equity (ROE) | 7.4000% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.3981% | 2,164 |
| Net charge-offs to loans | -0.0181% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.3338% | 1,146 |
| Assets per employee ($millions) | 5.9518% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7789% | 4,064 |
| Loan loss allowance to noncurrent loans | 1,769.8630% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 3,433 |
| Noncurrent loans to loans | 0.0440% | 3,406 |
| Net loans and leases to total assets | 79.0100% | 736 |
| Net loans and leases to deposits | 94.3003% | 831 |
| Net loans and leases to core deposits | 109.5603% | 845 |
| Total domestic deposits to total assets | 83.7800% | 2,876 |
| Equity capital to assets | 9.9058% | 1,913 |
| Core capital (leverage) ratio | 9.9180% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $209,116,333 | 2,938 |
| Average earning assets | $194,026,667 | 2,937 |
| Average equity | $20,329,667 | 2,831 |
| Average total loans | $165,579,667 | 2,554 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9284% | 1,366 |
| Cost of funding earning assets | 1.1833% | 1,495 |
| Net interest margin | 3.7451% | 1,799 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.8675% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7732% | 3,284 |
| Return on assets (ROA) | 0.7732% | 3,241 |
| Pretax return on assets | 0.9641% | 3,093 |
| Return on Equity (ROE) | 8.0300% | 3,281 |
| Retained earnings to average equity (ytd only) | 8.0289% | 2,208 |
| Net charge-offs to loans | -0.0073% | 3,750 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.8381% | 1,260 |
| Assets per employee ($millions) | 5.5026% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 4,120 |
| Loan loss allowance to noncurrent loans | 391.4373% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 2,410 |
| Noncurrent loans to loans | 0.1996% | 2,474 |
| Net loans and leases to total assets | 77.7400% | 792 |
| Net loans and leases to deposits | 92.7281% | 874 |
| Net loans and leases to core deposits | 106.8850% | 797 |
| Total domestic deposits to total assets | 83.8400% | 3,122 |
| Equity capital to assets | 9.7050% | 1,992 |
| Core capital (leverage) ratio | 9.6148% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $209,518,000 | 2,974 |
| Average earning assets | $194,710,000 | 2,966 |
| Average equity | $20,177,000 | 2,874 |
| Average total loans | $165,430,000 | 2,584 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4367% | 823 |
| Cost of funding earning assets | 0.4283% | 1,875 |
| Net interest margin | 4.0084% | 779 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.8991% | 1,127 |
| Loan and lease loss provision to assets | -0.2900% | 4,660 |
| Net operating income to assets | 1.2300% | 1,662 |
| Return on assets (ROA) | 1.2300% | 1,615 |
| Pretax return on assets | 1.5414% | 1,319 |
| Return on Equity (ROE) | 12.9600% | 1,826 |
| Retained earnings to average equity (ytd only) | 9.5075% | 1,312 |
| Net charge-offs to loans | -0.0362% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.9242% | 1,695 |
| Assets per employee ($millions) | 5.3830% | 3,335 |
| Cash dividends to net income (ytd only)* | 26.6531% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7143% | 4,193 |
| Loan loss allowance to noncurrent loans | 1,590.6667% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,445 |
| Noncurrent loans to loans | 0.0449% | 3,433 |
| Net loans and leases to total assets | 78.9900% | 697 |
| Net loans and leases to deposits | 93.9563% | 786 |
| Net loans and leases to core deposits | 107.2951% | 697 |
| Total domestic deposits to total assets | 84.0700% | 3,194 |
| Equity capital to assets | 9.5557% | 1,966 |
| Core capital (leverage) ratio | 9.7618% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $200,405,600 | 3,042 |
| Average earning assets | $186,310,800 | 3,029 |
| Average equity | $19,016,600 | 3,035 |
| Average total loans | $154,651,200 | 2,594 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 760 |
| Cost of funding earning assets | 0.3642% | 1,574 |
| Net interest margin | 3.9219% | 764 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.9262% | 1,011 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9238% | 2,780 |
| Return on assets (ROA) | 0.9238% | 2,748 |
| Pretax return on assets | 1.1534% | 2,544 |
| Return on Equity (ROE) | 9.7500% | 2,803 |
| Retained earnings to average equity (ytd only) | 5.0828% | 3,068 |
| Net charge-offs to loans | -0.0343% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.6098% | 1,577 |
| Assets per employee ($millions) | 5.3100% | 3,405 |
| Cash dividends to net income (ytd only)* | 47.8863% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 2,989 |
| Loan loss allowance to noncurrent loans | 348.2353% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 1,989 |
| Noncurrent loans to loans | 0.3174% | 2,103 |
| Net loans and leases to total assets | 76.7300% | 838 |
| Net loans and leases to deposits | 85.3055% | 1,214 |
| Net loans and leases to core deposits | 95.7591% | 1,017 |
| Total domestic deposits to total assets | 89.9400% | 1,689 |
| Equity capital to assets | 9.1631% | 2,110 |
| Core capital (leverage) ratio | 9.3274% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $198,022,750 | 3,078 |
| Average earning assets | $184,126,000 | 3,063 |
| Average equity | $18,755,500 | 3,092 |
| Average total loans | $151,558,000 | 2,622 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1974% | 633 |
| Cost of funding earning assets | 0.3480% | 1,281 |
| Net interest margin | 3.8494% | 675 |
| Noninterest income to average assets | 0.4626% | 2,385 |
| Noninterest expense to average assets | 2.9908% | 853 |
| Loan and lease loss provision to assets | 0.0103% | 2,402 |
| Net operating income to assets | 0.8390% | 2,825 |
| Return on assets (ROA) | 0.8390% | 2,795 |
| Pretax return on assets | 1.0462% | 2,583 |
| Return on Equity (ROE) | 8.7571% | 2,770 |
| Retained earnings to average equity (ytd only) | 8.7571% | 1,357 |
| Net charge-offs to loans | -0.0337% | 4,092 |
| Credit loss provision to net charge-offs | -40.0000% | 3,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8976% | 1,520 |
| Assets per employee ($millions) | 5.0465% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 3,085 |
| Loan loss allowance to noncurrent loans | 252.0744% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 1,617 |
| Noncurrent loans to loans | 0.4438% | 1,793 |
| Net loans and leases to total assets | 77.1546% | 625 |
| Net loans and leases to deposits | 85.3692% | 1,025 |
| Net loans and leases to core deposits | 94.5244% | 891 |
| Total domestic deposits to total assets | 90.3775% | 1,525 |
| Equity capital to assets | 9.4615% | 2,047 |
| Core capital (leverage) ratio | 9.8277% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,000,000 | 3,125 |
| Average earning assets | $181,589,000 | 3,118 |
| Average equity | $18,682,000 | 3,173 |
| Average total loans | $148,520,000 | 2,661 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 504 |
| Cost of funding earning assets | 0.3831% | 969 |
| Net interest margin | 3.8289% | 604 |
| Noninterest income to average assets | 0.4761% | 2,269 |
| Noninterest expense to average assets | 3.0819% | 705 |
| Loan and lease loss provision to assets | 0.0209% | 1,981 |
| Net operating income to assets | 0.7559% | 2,823 |
| Return on assets (ROA) | 0.7559% | 2,819 |
| Pretax return on assets | 0.9417% | 2,628 |
| Return on Equity (ROE) | 7.8383% | 2,745 |
| Retained earnings to average equity (ytd only) | 7.8383% | 1,631 |
| Net charge-offs to loans | -0.0528% | 4,273 |
| Credit loss provision to net charge-offs | -52.6316% | 2,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2003% | 1,502 |
| Assets per employee ($millions) | 4.8052% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,886 |
| Loan loss allowance to noncurrent loans | 293.6455% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 1,874 |
| Noncurrent loans to loans | 0.4069% | 2,036 |
| Net loans and leases to total assets | 75.5486% | 539 |
| Net loans and leases to deposits | 84.0276% | 880 |
| Net loans and leases to core deposits | 92.7379% | 788 |
| Total domestic deposits to total assets | 89.9093% | 1,614 |
| Equity capital to assets | 9.6932% | 2,142 |
| Core capital (leverage) ratio | 9.8131% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,569,500 | 3,158 |
| Average earning assets | $178,536,500 | 3,153 |
| Average equity | $18,473,500 | 3,284 |
| Average total loans | $144,026,500 | 2,698 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7357% | 401 |
| Cost of funding earning assets | 0.5965% | 556 |
| Net interest margin | 4.1392% | 551 |
| Noninterest income to average assets | 0.5628% | 2,309 |
| Noninterest expense to average assets | 3.0612% | 902 |
| Loan and lease loss provision to assets | -0.0588% | 4,398 |
| Net operating income to assets | 1.1242% | 2,195 |
| Return on assets (ROA) | 1.1251% | 2,248 |
| Pretax return on assets | 1.4111% | 2,013 |
| Return on Equity (ROE) | 11.8378% | 1,867 |
| Retained earnings to average equity (ytd only) | 8.7322% | 1,272 |
| Net charge-offs to loans | -0.0029% | 3,431 |
| Credit loss provision to net charge-offs | 2,725.0000% | 246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3775% | 1,809 |
| Assets per employee ($millions) | 4.6569% | 3,996 |
| Cash dividends to net income (ytd only)* | 26.2350% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 2,767 |
| Loan loss allowance to noncurrent loans | 204.8636% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 1,453 |
| Noncurrent loans to loans | 0.5975% | 1,643 |
| Net loans and leases to total assets | 72.9895% | 753 |
| Net loans and leases to deposits | 80.9857% | 1,136 |
| Net loans and leases to core deposits | 89.2727% | 999 |
| Total domestic deposits to total assets | 90.1264% | 900 |
| Equity capital to assets | 9.5929% | 3,050 |
| Core capital (leverage) ratio | 9.6736% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,320,400 | 3,163 |
| Average earning assets | $172,351,800 | 3,160 |
| Average equity | $17,613,000 | 3,417 |
| Average total loans | $138,477,400 | 2,742 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8371% | 384 |
| Cost of funding earning assets | 0.6550% | 487 |
| Net interest margin | 4.1821% | 564 |
| Noninterest income to average assets | 0.5923% | 2,241 |
| Noninterest expense to average assets | 3.1144% | 802 |
| Loan and lease loss provision to assets | -0.1223% | 4,647 |
| Net operating income to assets | 1.1853% | 2,220 |
| Return on assets (ROA) | 1.1853% | 2,274 |
| Pretax return on assets | 1.4883% | 2,025 |
| Return on Equity (ROE) | 12.5017% | 1,865 |
| Retained earnings to average equity (ytd only) | 8.3191% | 1,947 |
| Net charge-offs to loans | -0.0097% | 3,661 |
| Credit loss provision to net charge-offs | 1,690.0000% | 368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5146% | 1,651 |
| Assets per employee ($millions) | 4.9469% | 3,747 |
| Cash dividends to net income (ytd only)* | 33.4557% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,858 |
| Loan loss allowance to noncurrent loans | 181.2568% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 1,555 |
| Noncurrent loans to loans | 0.6769% | 1,622 |
| Net loans and leases to total assets | 71.6445% | 904 |
| Net loans and leases to deposits | 79.7194% | 1,317 |
| Net loans and leases to core deposits | 87.9340% | 1,152 |
| Total domestic deposits to total assets | 89.8708% | 822 |
| Equity capital to assets | 9.5095% | 3,356 |
| Core capital (leverage) ratio | 9.5549% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,917,250 | 3,214 |
| Average earning assets | $170,978,250 | 3,203 |
| Average equity | $17,437,250 | 3,477 |
| Average total loans | $137,824,750 | 2,788 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 496 |
| Cost of funding earning assets | 0.7283% | 400 |
| Net interest margin | 4.0256% | 786 |
| Noninterest income to average assets | 0.5916% | 2,258 |
| Noninterest expense to average assets | 3.0850% | 862 |
| Loan and lease loss provision to assets | -0.1851% | 4,744 |
| Net operating income to assets | 1.1426% | 2,395 |
| Return on assets (ROA) | 1.1426% | 2,453 |
| Pretax return on assets | 1.4340% | 2,228 |
| Return on Equity (ROE) | 12.0641% | 2,033 |
| Retained earnings to average equity (ytd only) | 12.0641% | 901 |
| Net charge-offs to loans | -0.0145% | 3,835 |
| Credit loss provision to net charge-offs | 1,690.0000% | 326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1830% | 1,508 |
| Assets per employee ($millions) | 4.7020% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,822 |
| Loan loss allowance to noncurrent loans | 165.9722% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 1,516 |
| Noncurrent loans to loans | 0.7348% | 1,619 |
| Net loans and leases to total assets | 73.8994% | 766 |
| Net loans and leases to deposits | 82.0419% | 1,218 |
| Net loans and leases to core deposits | 90.5299% | 1,105 |
| Total domestic deposits to total assets | 90.0752% | 736 |
| Equity capital to assets | 9.7236% | 3,117 |
| Core capital (leverage) ratio | 9.6994% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,562,667 | 3,233 |
| Average earning assets | $169,713,333 | 3,221 |
| Average equity | $17,291,000 | 3,487 |
| Average total loans | $138,316,000 | 2,798 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 696 |
| Cost of funding earning assets | 0.7966% | 354 |
| Net interest margin | 3.7775% | 1,186 |
| Noninterest income to average assets | 0.5073% | 2,577 |
| Noninterest expense to average assets | 3.0611% | 891 |
| Loan and lease loss provision to assets | -0.3711% | 4,888 |
| Net operating income to assets | 1.0584% | 2,608 |
| Return on assets (ROA) | 1.0233% | 2,815 |
| Pretax return on assets | 1.2824% | 2,614 |
| Return on Equity (ROE) | 10.9512% | 2,379 |
| Retained earnings to average equity (ytd only) | 10.9512% | 1,410 |
| Net charge-offs to loans | -0.0115% | 3,725 |
| Credit loss provision to net charge-offs | 4,225.0000% | 132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2165% | 1,114 |
| Assets per employee ($millions) | 4.6798% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,985 |
| Loan loss allowance to noncurrent loans | 147.7837% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 1,535 |
| Noncurrent loans to loans | 0.8055% | 1,650 |
| Net loans and leases to total assets | 75.8121% | 645 |
| Net loans and leases to deposits | 83.9341% | 1,150 |
| Net loans and leases to core deposits | 94.0664% | 978 |
| Total domestic deposits to total assets | 90.3234% | 654 |
| Equity capital to assets | 9.4536% | 3,244 |
| Core capital (leverage) ratio | 9.3894% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,154,500 | 3,235 |
| Average earning assets | $169,212,500 | 3,224 |
| Average equity | $17,021,000 | 3,507 |
| Average total loans | $138,879,500 | 2,798 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 884 |
| Cost of funding earning assets | 1.0158% | 563 |
| Net interest margin | 3.6900% | 1,838 |
| Noninterest income to average assets | 0.5376% | 2,475 |
| Noninterest expense to average assets | 3.2577% | 957 |
| Loan and lease loss provision to assets | 1.0112% | 94 |
| Net operating income to assets | -0.2281% | 4,825 |
| Return on assets (ROA) | -0.2281% | 4,840 |
| Pretax return on assets | -0.3050% | 4,846 |
| Return on Equity (ROE) | -2.3646% | 4,855 |
| Retained earnings to average equity (ytd only) | -2.3646% | 4,733 |
| Net charge-offs to loans | 0.8488% | 165 |
| Credit loss provision to net charge-offs | 150.5017% | 2,421 |
| Earnings coverage of net charge-offs (x) | 1.0510% | 3,285 |
| Efficiency ratio | 82.1854% | 740 |
| Assets per employee ($millions) | 4.5449% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 2,276 |
| Loan loss allowance to noncurrent loans | 151.9071% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 1,575 |
| Noncurrent loans to loans | 0.8757% | 1,615 |
| Net loans and leases to total assets | 74.7503% | 933 |
| Net loans and leases to deposits | 82.5254% | 1,596 |
| Net loans and leases to core deposits | 93.8209% | 1,256 |
| Total domestic deposits to total assets | 90.5785% | 344 |
| Equity capital to assets | 9.2345% | 3,851 |
| Core capital (leverage) ratio | 8.9835% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,010,000 | 3,119 |
| Average earning assets | $165,283,400 | 3,118 |
| Average equity | $17,170,000 | 3,442 |
| Average total loans | $140,905,400 | 2,744 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 1,123 |
| Cost of funding earning assets | 1.0549% | 634 |
| Net interest margin | 3.6198% | 2,204 |
| Noninterest income to average assets | 0.5218% | 2,517 |
| Noninterest expense to average assets | 3.2101% | 1,061 |
| Loan and lease loss provision to assets | 0.3767% | 979 |
| Net operating income to assets | 0.2447% | 4,529 |
| Return on assets (ROA) | 0.2447% | 4,567 |
| Pretax return on assets | 0.2944% | 4,554 |
| Return on Equity (ROE) | 2.5098% | 4,476 |
| Retained earnings to average equity (ytd only) | 2.5098% | 3,736 |
| Net charge-offs to loans | 0.0179% | 2,501 |
| Credit loss provision to net charge-offs | 2,631.5789% | 387 |
| Earnings coverage of net charge-offs (x) | 46.8947% | 1,240 |
| Efficiency ratio | 82.7125% | 697 |
| Assets per employee ($millions) | 4.5156% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,828 |
| Loan loss allowance to noncurrent loans | 78.1793% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.1526% | 891 |
| Noncurrent loans to loans | 1.4993% | 953 |
| Net loans and leases to total assets | 75.9735% | 1,100 |
| Net loans and leases to deposits | 83.8590% | 1,928 |
| Net loans and leases to core deposits | 94.7642% | 1,570 |
| Total domestic deposits to total assets | 90.5967% | 260 |
| Equity capital to assets | 9.2372% | 3,920 |
| Core capital (leverage) ratio | 9.3587% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,063,500 | 3,116 |
| Average earning assets | $164,315,000 | 3,110 |
| Average equity | $17,265,500 | 3,441 |
| Average total loans | $141,700,500 | 2,740 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 1,311 |
| Cost of funding earning assets | 1.1103% | 697 |
| Net interest margin | 3.6277% | 2,390 |
| Noninterest income to average assets | 0.4929% | 2,605 |
| Noninterest expense to average assets | 3.2384% | 1,092 |
| Loan and lease loss provision to assets | 0.5785% | 561 |
| Net operating income to assets | 0.0440% | 4,734 |
| Return on assets (ROA) | 0.0440% | 4,763 |
| Pretax return on assets | 0.0405% | 4,763 |
| Return on Equity (ROE) | 0.4423% | 4,754 |
| Retained earnings to average equity (ytd only) | 0.4423% | 4,223 |
| Net charge-offs to loans | 0.0314% | 2,096 |
| Credit loss provision to net charge-offs | 2,272.7273% | 437 |
| Earnings coverage of net charge-offs (x) | 24.3182% | 1,583 |
| Efficiency ratio | 83.9532% | 641 |
| Assets per employee ($millions) | 4.7987% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 2,735 |
| Loan loss allowance to noncurrent loans | 80.8148% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 1,002 |
| Noncurrent loans to loans | 1.4351% | 1,070 |
| Net loans and leases to total assets | 77.6866% | 892 |
| Net loans and leases to deposits | 85.6852% | 1,802 |
| Net loans and leases to core deposits | 98.4773% | 1,373 |
| Total domestic deposits to total assets | 90.6651% | 232 |
| Equity capital to assets | 9.2077% | 3,915 |
| Core capital (leverage) ratio | 9.6841% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,865,667 | 3,138 |
| Average earning assets | $160,322,000 | 3,127 |
| Average equity | $17,181,000 | 3,452 |
| Average total loans | $140,334,667 | 2,743 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8987% | 1,196 |
| Cost of funding earning assets | 1.1759% | 832 |
| Net interest margin | 3.7228% | 2,251 |
| Noninterest income to average assets | 0.5141% | 2,479 |
| Noninterest expense to average assets | 3.3743% | 1,106 |
| Loan and lease loss provision to assets | 0.8448% | 282 |
| Net operating income to assets | -0.1859% | 4,844 |
| Return on assets (ROA) | -0.1859% | 4,817 |
| Pretax return on assets | -0.2510% | 4,831 |
| Return on Equity (ROE) | -1.7953% | 4,829 |
| Retained earnings to average equity (ytd only) | -1.7953% | 4,227 |
| Net charge-offs to loans | 0.0467% | 1,550 |
| Credit loss provision to net charge-offs | 2,187.5000% | 322 |
| Earnings coverage of net charge-offs (x) | 15.3750% | 1,565 |
| Efficiency ratio | 85.0365% | 765 |
| Assets per employee ($millions) | 4.0228% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 2,937 |
| Loan loss allowance to noncurrent loans | 73.9934% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.2799% | 920 |
| Noncurrent loans to loans | 1.5528% | 1,011 |
| Net loans and leases to total assets | 81.4789% | 509 |
| Net loans and leases to deposits | 91.1420% | 1,387 |
| Net loans and leases to core deposits | 108.0090% | 946 |
| Total domestic deposits to total assets | 89.3977% | 510 |
| Equity capital to assets | 10.3780% | 3,446 |
| Core capital (leverage) ratio | 10.4349% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,724,500 | 3,172 |
| Average earning assets | $153,756,500 | 3,157 |
| Average equity | $17,155,500 | 3,454 |
| Average total loans | $136,954,500 | 2,755 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0797% | 1,260 |
| Cost of funding earning assets | 1.1683% | 1,101 |
| Net interest margin | 3.9115% | 2,134 |
| Noninterest income to average assets | 0.4953% | 2,768 |
| Noninterest expense to average assets | 3.4883% | 977 |
| Loan and lease loss provision to assets | 0.0698% | 2,607 |
| Net operating income to assets | 0.5210% | 4,359 |
| Return on assets (ROA) | 0.5210% | 4,407 |
| Pretax return on assets | 0.6367% | 4,357 |
| Return on Equity (ROE) | 4.9203% | 4,226 |
| Retained earnings to average equity (ytd only) | 1.6856% | 4,129 |
| Net charge-offs to loans | 0.2097% | 981 |
| Credit loss provision to net charge-offs | 40.2174% | 3,202 |
| Earnings coverage of net charge-offs (x) | 4.0725% | 3,263 |
| Efficiency ratio | 83.1585% | 717 |
| Assets per employee ($millions) | 4.0613% | 3,830 |
| Cash dividends to net income (ytd only)* | 65.7419% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,003 |
| Loan loss allowance to noncurrent loans | 57.5445% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.2816% | 870 |
| Noncurrent loans to loans | 1.5468% | 923 |
| Net loans and leases to total assets | 82.1143% | 545 |
| Net loans and leases to deposits | 91.8268% | 1,388 |
| Net loans and leases to core deposits | 110.9028% | 804 |
| Total domestic deposits to total assets | 89.4230% | 519 |
| Equity capital to assets | 10.3259% | 3,605 |
| Core capital (leverage) ratio | 10.2186% | 3,279 |
| Tier 1 risk-based capital ratio | 13.1316% | 3,723 |
| Total risk-based capital ratio | 14.0741% | 3,772 |
| Memoranda: | ||
| Average total assets | $159,104,400 | 3,209 |
| Average earning assets | $150,480,200 | 3,170 |
| Average equity | $16,848,400 | 3,452 |
| Average total loans | $131,594,600 | 2,806 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 1,330 |
| Cost of funding earning assets | 1.1254% | 1,259 |
| Net interest margin | 3.9535% | 2,095 |
| Noninterest income to average assets | 0.4961% | 2,754 |
| Noninterest expense to average assets | 3.4444% | 1,022 |
| Loan and lease loss provision to assets | 0.2290% | 743 |
| Net operating income to assets | 0.4859% | 4,552 |
| Return on assets (ROA) | 0.4859% | 4,596 |
| Pretax return on assets | 0.5792% | 4,578 |
| Return on Equity (ROE) | 4.5625% | 4,464 |
| Retained earnings to average equity (ytd only) | 0.2229% | 4,719 |
| Net charge-offs to loans | 0.0041% | 3,260 |
| Credit loss provision to net charge-offs | 6,750.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 238.3921% | 385 |
| Efficiency ratio | 80.9970% | 833 |
| Assets per employee ($millions) | 4.2180% | 3,590 |
| Cash dividends to net income (ytd only)* | 95.1137% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 2,100 |
| Loan loss allowance to noncurrent loans | 60.7692% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.6181% | 644 |
| Noncurrent loans to loans | 2.0948% | 633 |
| Net loans and leases to total assets | 76.2586% | 1,434 |
| Net loans and leases to deposits | 84.9041% | 2,330 |
| Net loans and leases to core deposits | 104.3191% | 1,307 |
| Total domestic deposits to total assets | 89.8173% | 334 |
| Equity capital to assets | 9.9687% | 4,047 |
| Core capital (leverage) ratio | 10.2171% | 3,405 |
| Tier 1 risk-based capital ratio | 13.7124% | 3,475 |
| Total risk-based capital ratio | 14.9631% | 3,379 |
| Memoranda: | ||
| Average total assets | $157,235,000 | 3,258 |
| Average earning assets | $149,399,500 | 3,209 |
| Average equity | $16,744,750 | 3,489 |
| Average total loans | $130,071,750 | 2,856 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0968% | 1,226 |
| Cost of funding earning assets | 1.0473% | 1,509 |
| Net interest margin | 4.0495% | 1,766 |
| Noninterest income to average assets | 0.4759% | 2,809 |
| Noninterest expense to average assets | 3.4431% | 1,036 |
| Loan and lease loss provision to assets | 0.0521% | 2,775 |
| Net operating income to assets | 0.7040% | 3,994 |
| Return on assets (ROA) | 0.7040% | 4,048 |
| Pretax return on assets | 0.8370% | 4,003 |
| Return on Equity (ROE) | 6.4593% | 3,889 |
| Retained earnings to average equity (ytd only) | -0.0598% | 4,693 |
| Net charge-offs to loans | 0.0031% | 3,058 |
| Credit loss provision to net charge-offs | 2,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 341.0000% | 227 |
| Efficiency ratio | 79.4764% | 1,013 |
| Assets per employee ($millions) | 3.9035% | 3,997 |
| Cash dividends to net income (ytd only)* | 100.9259% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 3,133 |
| Loan loss allowance to noncurrent loans | 56.5389% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.5814% | 689 |
| Noncurrent loans to loans | 1.9240% | 757 |
| Net loans and leases to total assets | 81.2995% | 697 |
| Net loans and leases to deposits | 91.0283% | 1,623 |
| Net loans and leases to core deposits | 110.2230% | 964 |
| Total domestic deposits to total assets | 89.3123% | 533 |
| Equity capital to assets | 10.4809% | 3,532 |
| Core capital (leverage) ratio | 10.7912% | 2,794 |
| Tier 1 risk-based capital ratio | 13.7517% | 3,451 |
| Total risk-based capital ratio | 14.9297% | 3,388 |
| Memoranda: | ||
| Average total assets | $153,407,330 | 3,309 |
| Average earning assets | $146,092,000 | 3,262 |
| Average equity | $16,720,000 | 3,494 |
| Average total loans | $129,988,670 | 2,867 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0664% | 1,174 |
| Cost of funding earning assets | 0.9641% | 1,726 |
| Net interest margin | 4.1023% | 1,544 |
| Noninterest income to average assets | 0.4877% | 2,626 |
| Noninterest expense to average assets | 3.4353% | 1,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8528% | 3,441 |
| Return on assets (ROA) | 0.8528% | 3,484 |
| Pretax return on assets | 0.9648% | 3,569 |
| Return on Equity (ROE) | 7.6679% | 3,396 |
| Retained earnings to average equity (ytd only) | -5.2717% | 4,937 |
| Net charge-offs to loans | 0.0062% | 2,475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 425 |
| Efficiency ratio | 78.0739% | 1,255 |
| Assets per employee ($millions) | 3.8861% | 4,085 |
| Cash dividends to net income (ytd only)* | 168.7500% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 3,230 |
| Loan loss allowance to noncurrent loans | 53.6237% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.8587% | 554 |
| Noncurrent loans to loans | 2.0156% | 734 |
| Net loans and leases to total assets | 83.9961% | 373 |
| Net loans and leases to deposits | 94.8960% | 1,072 |
| Net loans and leases to core deposits | 114.2511% | 729 |
| Total domestic deposits to total assets | 88.5139% | 1,086 |
| Equity capital to assets | 10.9187% | 2,933 |
| Core capital (leverage) ratio | 11.1289% | 2,446 |
| Tier 1 risk-based capital ratio | 13.7537% | 3,469 |
| Total risk-based capital ratio | 14.9148% | 3,424 |
| Memoranda: | ||
| Average total assets | $150,089,000 | 3,385 |
| Average earning assets | $143,139,500 | 3,331 |
| Average equity | $16,693,000 | 3,509 |
| Average total loans | $129,210,000 | 2,913 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 754 |
| Cost of funding earning assets | 0.7880% | 1,591 |
| Net interest margin | 4.3731% | 996 |
| Noninterest income to average assets | 0.3898% | 3,496 |
| Noninterest expense to average assets | 3.1822% | 1,594 |
| Loan and lease loss provision to assets | 0.1591% | 1,295 |
| Net operating income to assets | 0.9696% | 3,141 |
| Return on assets (ROA) | 0.9696% | 3,140 |
| Pretax return on assets | 1.2192% | 2,815 |
| Return on Equity (ROE) | 8.6853% | 3,151 |
| Retained earnings to average equity (ytd only) | 8.6288% | 1,003 |
| Net charge-offs to loans | 0.1358% | 1,396 |
| Credit loss provision to net charge-offs | 140.1235% | 1,929 |
| Earnings coverage of net charge-offs (x) | 12.1358% | 2,562 |
| Efficiency ratio | 69.7771% | 2,227 |
| Assets per employee ($millions) | 3.8110% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.6508% | 4,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,248 |
| Loan loss allowance to noncurrent loans | 195.9212% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 2,158 |
| Noncurrent loans to loans | 0.5481% | 2,631 |
| Net loans and leases to total assets | 86.3446% | 219 |
| Net loans and leases to deposits | 97.6169% | 931 |
| Net loans and leases to core deposits | 113.6977% | 790 |
| Total domestic deposits to total assets | 88.4525% | 1,094 |
| Equity capital to assets | 11.2985% | 2,417 |
| Core capital (leverage) ratio | 11.0449% | 2,485 |
| Tier 1 risk-based capital ratio | 14.2175% | 3,198 |
| Total risk-based capital ratio | 15.4019% | 3,152 |
| Memoranda: | ||
| Average total assets | $142,637,400 | 3,466 |
| Average earning assets | $136,037,200 | 3,409 |
| Average equity | $15,923,400 | 3,520 |
| Average total loans | $119,318,400 | 3,002 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0177% | 915 |
| Cost of funding earning assets | 0.7619% | 1,524 |
| Net interest margin | 4.2558% | 1,222 |
| Noninterest income to average assets | 0.3646% | 3,689 |
| Noninterest expense to average assets | 3.1335% | 1,684 |
| Loan and lease loss provision to assets | 0.2144% | 779 |
| Net operating income to assets | 0.8426% | 3,766 |
| Return on assets (ROA) | 0.8426% | 3,769 |
| Pretax return on assets | 1.0694% | 3,502 |
| Return on Equity (ROE) | 7.5723% | 3,722 |
| Retained earnings to average equity (ytd only) | 7.4959% | 1,887 |
| Net charge-offs to loans | 0.1040% | 1,446 |
| Credit loss provision to net charge-offs | 249.4505% | 1,184 |
| Earnings coverage of net charge-offs (x) | 14.9341% | 2,260 |
| Efficiency ratio | 70.9367% | 2,044 |
| Assets per employee ($millions) | 4.0875% | 3,752 |
| Cash dividends to net income (ytd only)* | 1.0090% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 2,747 |
| Loan loss allowance to noncurrent loans | 169.6408% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 1,950 |
| Noncurrent loans to loans | 0.6951% | 2,340 |
| Net loans and leases to total assets | 81.1266% | 855 |
| Net loans and leases to deposits | 91.2488% | 1,725 |
| Net loans and leases to core deposits | 105.1443% | 1,365 |
| Total domestic deposits to total assets | 88.9070% | 873 |
| Equity capital to assets | 10.7955% | 2,847 |
| Core capital (leverage) ratio | 11.1604% | 2,444 |
| Tier 1 risk-based capital ratio | 13.9049% | 3,419 |
| Total risk-based capital ratio | 15.1543% | 3,326 |
| Memoranda: | ||
| Average total assets | $141,139,250 | 3,529 |
| Average earning assets | $134,400,250 | 3,469 |
| Average equity | $15,706,000 | 3,567 |
| Average total loans | $116,716,250 | 3,057 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0245% | 780 |
| Cost of funding earning assets | 0.7368% | 1,438 |
| Net interest margin | 4.2878% | 1,061 |
| Noninterest income to average assets | 0.3484% | 3,839 |
| Noninterest expense to average assets | 3.1472% | 1,669 |
| Loan and lease loss provision to assets | 0.2918% | 478 |
| Net operating income to assets | 0.7795% | 3,923 |
| Return on assets (ROA) | 0.7795% | 3,926 |
| Pretax return on assets | 0.9900% | 3,690 |
| Return on Equity (ROE) | 6.9295% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.8133% | 2,160 |
| Net charge-offs to loans | 0.1646% | 941 |
| Credit loss provision to net charge-offs | 213.8298% | 1,249 |
| Earnings coverage of net charge-offs (x) | 9.3936% | 2,400 |
| Efficiency ratio | 71.0587% | 2,153 |
| Assets per employee ($millions) | 4.2805% | 3,452 |
| Cash dividends to net income (ytd only)* | 1.6760% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,670 |
| Loan loss allowance to noncurrent loans | 152.9851% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.7278% | 2,055 |
| Noncurrent loans to loans | 0.7890% | 2,150 |
| Net loans and leases to total assets | 83.1525% | 561 |
| Net loans and leases to deposits | 93.8215% | 1,377 |
| Net loans and leases to core deposits | 109.6059% | 1,027 |
| Total domestic deposits to total assets | 88.6284% | 1,082 |
| Equity capital to assets | 11.2364% | 2,421 |
| Core capital (leverage) ratio | 11.3616% | 2,195 |
| Tier 1 risk-based capital ratio | 14.4165% | 3,153 |
| Total risk-based capital ratio | 15.6672% | 3,071 |
| Memoranda: | ||
| Average total assets | $137,772,670 | 3,599 |
| Average earning assets | $131,116,330 | 3,534 |
| Average equity | $15,499,000 | 3,611 |
| Average total loans | $114,235,330 | 3,105 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 893 |
| Cost of funding earning assets | 0.6847% | 1,526 |
| Net interest margin | 4.2033% | 1,170 |
| Noninterest income to average assets | 0.3529% | 3,785 |
| Noninterest expense to average assets | 3.1169% | 1,777 |
| Loan and lease loss provision to assets | 0.3823% | 302 |
| Net operating income to assets | 0.6940% | 4,117 |
| Return on assets (ROA) | 0.6940% | 4,126 |
| Pretax return on assets | 0.8792% | 3,910 |
| Return on Equity (ROE) | 6.1649% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.9298% | 2,740 |
| Net charge-offs to loans | 0.2824% | 545 |
| Credit loss provision to net charge-offs | 164.5570% | 1,174 |
| Earnings coverage of net charge-offs (x) | 5.4304% | 2,239 |
| Efficiency ratio | 71.1887% | 2,312 |
| Assets per employee ($millions) | 4.0808% | 3,834 |
| Cash dividends to net income (ytd only)* | 3.8136% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,740 |
| Loan loss allowance to noncurrent loans | 105.1067% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.9869% | 1,591 |
| Noncurrent loans to loans | 1.1525% | 1,579 |
| Net loans and leases to total assets | 83.5090% | 490 |
| Net loans and leases to deposits | 94.8189% | 1,156 |
| Net loans and leases to core deposits | 108.2565% | 1,106 |
| Total domestic deposits to total assets | 88.0721% | 1,580 |
| Equity capital to assets | 11.5626% | 2,082 |
| Core capital (leverage) ratio | 11.6260% | 1,911 |
| Tier 1 risk-based capital ratio | 14.5012% | 3,120 |
| Total risk-based capital ratio | 15.7510% | 3,025 |
| Memoranda: | ||
| Average total assets | $136,031,500 | 3,659 |
| Average earning assets | $130,277,500 | 3,585 |
| Average equity | $15,312,500 | 3,669 |
| Average total loans | $111,907,000 | 3,166 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 806 |
| Cost of funding earning assets | 0.6870% | 1,094 |
| Net interest margin | 4.2086% | 1,176 |
| Noninterest income to average assets | 0.3705% | 3,820 |
| Noninterest expense to average assets | 3.2065% | 1,594 |
| Loan and lease loss provision to assets | 0.0451% | 3,339 |
| Net operating income to assets | 0.6200% | 3,931 |
| Return on assets (ROA) | 0.6200% | 3,970 |
| Pretax return on assets | 1.1242% | 3,092 |
| Return on Equity (ROE) | 5.5989% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.5989% | 1,774 |
| Net charge-offs to loans | 0.2140% | 1,215 |
| Credit loss provision to net charge-offs | 26.6667% | 3,567 |
| Earnings coverage of net charge-offs (x) | 6.9156% | 3,121 |
| Efficiency ratio | 73.2784% | 2,018 |
| Assets per employee ($millions) | 4.1615% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,729 |
| Loan loss allowance to noncurrent loans | 79.0476% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.2357% | 1,181 |
| Noncurrent loans to loans | 1.5276% | 1,106 |
| Net loans and leases to total assets | 79.1145% | 1,094 |
| Net loans and leases to deposits | 89.3340% | 1,851 |
| Net loans and leases to core deposits | 101.2006% | 1,616 |
| Total domestic deposits to total assets | 88.5604% | 1,219 |
| Equity capital to assets | 11.1498% | 2,488 |
| Core capital (leverage) ratio | 11.0958% | 2,250 |
| Tier 1 risk-based capital ratio | 14.7051% | 2,989 |
| Total risk-based capital ratio | 15.9555% | 2,919 |
| Memoranda: | ||
| Average total assets | $133,074,600 | 3,698 |
| Average earning assets | $126,644,000 | 3,637 |
| Average equity | $14,735,000 | 3,749 |
| Average total loans | $105,143,000 | 3,262 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9326% | 707 |
| Cost of funding earning assets | 0.6837% | 1,049 |
| Net interest margin | 4.2489% | 1,046 |
| Noninterest income to average assets | 0.3717% | 3,868 |
| Noninterest expense to average assets | 3.2916% | 1,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7363% | 3,787 |
| Return on assets (ROA) | 0.7363% | 3,865 |
| Pretax return on assets | 1.1160% | 3,246 |
| Return on Equity (ROE) | 6.6616% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.6616% | 1,870 |
| Net charge-offs to loans | 0.2040% | 1,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 6.9499% | 2,925 |
| Efficiency ratio | 74.6792% | 1,796 |
| Assets per employee ($millions) | 4.1275% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 2,365 |
| Loan loss allowance to noncurrent loans | 95.8333% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.0220% | 1,655 |
| Noncurrent loans to loans | 1.3535% | 1,394 |
| Net loans and leases to total assets | 74.5274% | 1,833 |
| Net loans and leases to deposits | 83.9769% | 2,562 |
| Net loans and leases to core deposits | 95.6542% | 2,114 |
| Total domestic deposits to total assets | 88.7474% | 993 |
| Equity capital to assets | 10.9978% | 2,868 |
| Core capital (leverage) ratio | 11.0567% | 2,405 |
| Tier 1 risk-based capital ratio | 15.4647% | 2,718 |
| Total risk-based capital ratio | 16.7159% | 2,669 |
| Memoranda: | ||
| Average total assets | $132,010,750 | 3,754 |
| Average earning assets | $125,393,750 | 3,691 |
| Average equity | $14,590,750 | 3,806 |
| Average total loans | $103,934,750 | 3,311 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8591% | 763 |
| Cost of funding earning assets | 0.6796% | 997 |
| Net interest margin | 4.1794% | 1,122 |
| Noninterest income to average assets | 0.3583% | 4,000 |
| Noninterest expense to average assets | 3.3167% | 1,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6630% | 4,010 |
| Return on assets (ROA) | 0.6630% | 4,068 |
| Pretax return on assets | 1.0060% | 3,550 |
| Return on Equity (ROE) | 5.9885% | 4,052 |
| Retained earnings to average equity (ytd only) | 5.9885% | 2,121 |
| Net charge-offs to loans | 0.2781% | 729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.5310% | 2,914 |
| Efficiency ratio | 76.7269% | 1,618 |
| Assets per employee ($millions) | 3.7441% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 2,433 |
| Loan loss allowance to noncurrent loans | 71.5879% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.4675% | 1,052 |
| Noncurrent loans to loans | 1.8098% | 993 |
| Net loans and leases to total assets | 78.3711% | 1,184 |
| Net loans and leases to deposits | 88.4292% | 1,932 |
| Net loans and leases to core deposits | 101.4321% | 1,557 |
| Total domestic deposits to total assets | 88.6258% | 1,143 |
| Equity capital to assets | 11.2056% | 2,583 |
| Core capital (leverage) ratio | 11.1838% | 2,236 |
| Tier 1 risk-based capital ratio | 14.8506% | 2,988 |
| Total risk-based capital ratio | 16.1017% | 2,918 |
| Memoranda: | ||
| Average total assets | $130,611,330 | 3,796 |
| Average earning assets | $123,892,330 | 3,739 |
| Average equity | $14,461,000 | 3,827 |
| Average total loans | $104,297,330 | 3,310 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7192% | 904 |
| Cost of funding earning assets | 0.6659% | 999 |
| Net interest margin | 4.0533% | 1,337 |
| Noninterest income to average assets | 0.3620% | 3,944 |
| Noninterest expense to average assets | 3.2915% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6043% | 4,138 |
| Return on assets (ROA) | 0.6043% | 4,193 |
| Pretax return on assets | 0.9172% | 3,700 |
| Return on Equity (ROE) | 5.4915% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.4915% | 2,602 |
| Net charge-offs to loans | 0.2873% | 632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.9867% | 2,431 |
| Efficiency ratio | 78.2070% | 1,603 |
| Assets per employee ($millions) | 4.0134% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 2,194 |
| Loan loss allowance to noncurrent loans | 63.0502% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.7555% | 832 |
| Noncurrent loans to loans | 2.1782% | 781 |
| Net loans and leases to total assets | 76.8882% | 1,278 |
| Net loans and leases to deposits | 86.5581% | 1,968 |
| Net loans and leases to core deposits | 99.2931% | 1,558 |
| Total domestic deposits to total assets | 88.8284% | 1,236 |
| Equity capital to assets | 10.9088% | 2,736 |
| Core capital (leverage) ratio | 11.1375% | 2,246 |
| Tier 1 risk-based capital ratio | 14.5751% | 3,164 |
| Total risk-based capital ratio | 15.8270% | 3,094 |
| Memoranda: | ||
| Average total assets | $130,396,000 | 3,832 |
| Average earning assets | $123,750,500 | 3,779 |
| Average equity | $14,349,500 | 3,867 |
| Average total loans | $104,422,500 | 3,333 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9181% | 714 |
| Cost of funding earning assets | 0.6864% | 877 |
| Net interest margin | 4.2317% | 1,051 |
| Noninterest income to average assets | 0.4490% | 3,552 |
| Noninterest expense to average assets | 3.3198% | 1,537 |
| Loan and lease loss provision to assets | 0.1436% | 1,744 |
| Net operating income to assets | 0.6505% | 3,999 |
| Return on assets (ROA) | 0.6505% | 4,115 |
| Pretax return on assets | 0.9860% | 3,525 |
| Return on Equity (ROE) | 5.9523% | 4,001 |
| Retained earnings to average equity (ytd only) | 5.9523% | 1,730 |
| Net charge-offs to loans | -0.0309% | 5,259 |
| Credit loss provision to net charge-offs | -565.6250% | 5,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6122% | 2,204 |
| Assets per employee ($millions) | 3.8894% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 2,021 |
| Loan loss allowance to noncurrent loans | 53.6664% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.2338% | 578 |
| Noncurrent loans to loans | 2.6346% | 579 |
| Net loans and leases to total assets | 81.1078% | 729 |
| Net loans and leases to deposits | 91.4161% | 1,524 |
| Net loans and leases to core deposits | 103.8600% | 1,294 |
| Total domestic deposits to total assets | 88.7237% | 1,251 |
| Equity capital to assets | 11.1033% | 2,537 |
| Core capital (leverage) ratio | 11.1503% | 2,206 |
| Tier 1 risk-based capital ratio | 14.1432% | 3,385 |
| Total risk-based capital ratio | 15.3957% | 3,305 |
| Memoranda: | ||
| Average total assets | $126,061,600 | 3,894 |
| Average earning assets | $119,172,000 | 3,843 |
| Average equity | $13,776,200 | 3,972 |
| Average total loans | $103,699,200 | 3,320 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 675 |
| Cost of funding earning assets | 0.6899% | 858 |
| Net interest margin | 4.2473% | 1,031 |
| Noninterest income to average assets | 0.4239% | 3,740 |
| Noninterest expense to average assets | 3.4414% | 1,264 |
| Loan and lease loss provision to assets | 0.1817% | 1,220 |
| Net operating income to assets | 0.5355% | 4,552 |
| Return on assets (ROA) | 0.5355% | 4,655 |
| Pretax return on assets | 0.8107% | 4,276 |
| Return on Equity (ROE) | 4.9202% | 4,549 |
| Retained earnings to average equity (ytd only) | 4.9202% | 2,883 |
| Net charge-offs to loans | -0.1072% | 5,596 |
| Credit loss provision to net charge-offs | -206.0241% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6180% | 1,748 |
| Assets per employee ($millions) | 4.1705% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,861 |
| Loan loss allowance to noncurrent loans | 55.2793% | 4,615 |
| Noncurrent assets plus other real estate owned to assets | 2.4226% | 576 |
| Noncurrent loans to loans | 2.6694% | 623 |
| Net loans and leases to total assets | 79.2226% | 1,008 |
| Net loans and leases to deposits | 89.0000% | 1,888 |
| Net loans and leases to core deposits | 100.4196% | 1,593 |
| Total domestic deposits to total assets | 89.0142% | 900 |
| Equity capital to assets | 10.7739% | 3,277 |
| Core capital (leverage) ratio | 11.0227% | 2,429 |
| Tier 1 risk-based capital ratio | 13.7049% | 3,738 |
| Total risk-based capital ratio | 14.9574% | 3,653 |
| Memoranda: | ||
| Average total assets | $125,489,750 | 3,924 |
| Average earning assets | $118,471,250 | 3,878 |
| Average equity | $13,657,500 | 4,029 |
| Average total loans | $103,225,500 | 3,336 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 711 |
| Cost of funding earning assets | 0.6904% | 843 |
| Net interest margin | 4.2175% | 1,083 |
| Noninterest income to average assets | 0.4202% | 3,738 |
| Noninterest expense to average assets | 3.3423% | 1,504 |
| Loan and lease loss provision to assets | 0.2753% | 673 |
| Net operating income to assets | 0.5249% | 4,586 |
| Return on assets (ROA) | 0.5249% | 4,710 |
| Pretax return on assets | 0.7953% | 4,297 |
| Return on Equity (ROE) | 4.8058% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.8058% | 2,864 |
| Net charge-offs to loans | -0.0602% | 5,442 |
| Credit loss provision to net charge-offs | -551.6129% | 4,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7388% | 2,117 |
| Assets per employee ($millions) | 3.7695% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 2,328 |
| Loan loss allowance to noncurrent loans | 48.4948% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 2.9696% | 415 |
| Noncurrent loans to loans | 2.8709% | 532 |
| Net loans and leases to total assets | 84.3826% | 391 |
| Net loans and leases to deposits | 95.0331% | 1,184 |
| Net loans and leases to core deposits | 109.5313% | 953 |
| Total domestic deposits to total assets | 88.7928% | 1,015 |
| Equity capital to assets | 11.0545% | 2,999 |
| Core capital (leverage) ratio | 11.0094% | 2,421 |
| Tier 1 risk-based capital ratio | 13.1979% | 4,078 |
| Total risk-based capital ratio | 14.4494% | 3,993 |
| Memoranda: | ||
| Average total assets | $124,224,670 | 3,972 |
| Average earning assets | $117,606,330 | 3,923 |
| Average equity | $13,567,000 | 4,065 |
| Average total loans | $102,981,670 | 3,358 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8880% | 712 |
| Cost of funding earning assets | 0.6764% | 908 |
| Net interest margin | 4.2116% | 1,073 |
| Noninterest income to average assets | 0.4060% | 3,779 |
| Noninterest expense to average assets | 3.3092% | 1,576 |
| Loan and lease loss provision to assets | 0.5123% | 237 |
| Net operating income to assets | 0.3802% | 5,052 |
| Return on assets (ROA) | 0.3802% | 5,123 |
| Pretax return on assets | 0.5768% | 4,884 |
| Return on Equity (ROE) | 3.5028% | 5,063 |
| Retained earnings to average equity (ytd only) | 3.5028% | 3,743 |
| Net charge-offs to loans | 0.1383% | 1,284 |
| Credit loss provision to net charge-offs | 454.2857% | 652 |
| Earnings coverage of net charge-offs (x) | 9.6571% | 1,974 |
| Efficiency ratio | 75.2381% | 2,287 |
| Assets per employee ($millions) | 4.1097% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 2,605 |
| Loan loss allowance to noncurrent loans | 103.5398% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.6735% | 1,171 |
| Noncurrent loans to loans | 1.3138% | 1,822 |
| Net loans and leases to total assets | 79.9130% | 828 |
| Net loans and leases to deposits | 89.5757% | 1,628 |
| Net loans and leases to core deposits | 103.2818% | 1,239 |
| Total domestic deposits to total assets | 89.2128% | 993 |
| Equity capital to assets | 10.6239% | 3,341 |
| Core capital (leverage) ratio | 11.1760% | 2,243 |
| Tier 1 risk-based capital ratio | 13.3892% | 4,050 |
| Total risk-based capital ratio | 14.6406% | 3,967 |
| Memoranda: | ||
| Average total assets | $124,140,500 | 4,005 |
| Average earning assets | $117,675,000 | 3,946 |
| Average equity | $13,475,000 | 4,087 |
| Average total loans | $101,248,500 | 3,398 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 559 |
| Cost of funding earning assets | 0.6989% | 826 |
| Net interest margin | 4.3598% | 860 |
| Noninterest income to average assets | 0.4486% | 3,682 |
| Noninterest expense to average assets | 3.2312% | 1,884 |
| Loan and lease loss provision to assets | 0.2153% | 965 |
| Net operating income to assets | 0.7343% | 3,651 |
| Return on assets (ROA) | 0.7343% | 3,744 |
| Pretax return on assets | 1.1220% | 2,951 |
| Return on Equity (ROE) | 6.4970% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.4970% | 1,548 |
| Net charge-offs to loans | 0.1850% | 1,556 |
| Credit loss provision to net charge-offs | 141.0112% | 1,866 |
| Earnings coverage of net charge-offs (x) | 8.7584% | 2,906 |
| Efficiency ratio | 70.7285% | 3,105 |
| Assets per employee ($millions) | 4.0379% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 3,307 |
| Loan loss allowance to noncurrent loans | 96.1448% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.7633% | 1,082 |
| Noncurrent loans to loans | 1.2767% | 1,846 |
| Net loans and leases to total assets | 81.1711% | 679 |
| Net loans and leases to deposits | 91.6701% | 1,435 |
| Net loans and leases to core deposits | 108.1572% | 958 |
| Total domestic deposits to total assets | 88.5469% | 1,354 |
| Equity capital to assets | 11.2508% | 2,587 |
| Core capital (leverage) ratio | 11.1731% | 2,246 |
| Tier 1 risk-based capital ratio | 14.0316% | 3,697 |
| Total risk-based capital ratio | 15.2814% | 3,622 |
| Memoranda: | ||
| Average total assets | $116,581,000 | 4,120 |
| Average earning assets | $110,166,000 | 4,064 |
| Average equity | $13,175,400 | 4,104 |
| Average total loans | $96,224,400 | 3,454 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0649% | 548 |
| Cost of funding earning assets | 0.6933% | 866 |
| Net interest margin | 4.3716% | 844 |
| Noninterest income to average assets | 0.4631% | 3,611 |
| Noninterest expense to average assets | 3.2177% | 1,922 |
| Loan and lease loss provision to assets | 0.2633% | 627 |
| Net operating income to assets | 0.7322% | 3,753 |
| Return on assets (ROA) | 0.7322% | 3,864 |
| Pretax return on assets | 1.1111% | 3,172 |
| Return on Equity (ROE) | 6.4715% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.4715% | 1,976 |
| Net charge-offs to loans | 0.2404% | 1,085 |
| Credit loss provision to net charge-offs | 132.5581% | 1,849 |
| Earnings coverage of net charge-offs (x) | 6.9185% | 2,978 |
| Efficiency ratio | 70.0704% | 3,199 |
| Assets per employee ($millions) | 4.1670% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 3,482 |
| Loan loss allowance to noncurrent loans | 86.1946% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.7792% | 1,209 |
| Noncurrent loans to loans | 1.4272% | 1,769 |
| Net loans and leases to total assets | 80.0593% | 817 |
| Net loans and leases to deposits | 90.2709% | 1,607 |
| Net loans and leases to core deposits | 105.0263% | 1,167 |
| Total domestic deposits to total assets | 88.6878% | 1,186 |
| Equity capital to assets | 11.0946% | 2,907 |
| Core capital (leverage) ratio | 11.4592% | 2,067 |
| Tier 1 risk-based capital ratio | 14.2106% | 3,720 |
| Total risk-based capital ratio | 15.4603% | 3,655 |
| Memoranda: | ||
| Average total assets | $115,441,750 | 4,186 |
| Average earning assets | $109,035,000 | 4,131 |
| Average equity | $13,062,000 | 4,170 |
| Average total loans | $95,392,750 | 3,501 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 529 |
| Cost of funding earning assets | 0.6894% | 888 |
| Net interest margin | 4.3895% | 773 |
| Noninterest income to average assets | 0.4541% | 3,670 |
| Noninterest expense to average assets | 3.2840% | 1,748 |
| Loan and lease loss provision to assets | 0.2358% | 774 |
| Net operating income to assets | 0.7128% | 3,830 |
| Return on assets (ROA) | 0.7128% | 3,951 |
| Pretax return on assets | 1.0806% | 3,257 |
| Return on Equity (ROE) | 6.2563% | 4,012 |
| Retained earnings to average equity (ytd only) | 6.2563% | 2,088 |
| Net charge-offs to loans | 0.2137% | 1,191 |
| Credit loss provision to net charge-offs | 132.6733% | 1,669 |
| Earnings coverage of net charge-offs (x) | 7.4059% | 2,676 |
| Efficiency ratio | 71.3849% | 3,097 |
| Assets per employee ($millions) | 3.9484% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 3,583 |
| Loan loss allowance to noncurrent loans | 89.5455% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.8288% | 1,254 |
| Noncurrent loans to loans | 1.3805% | 1,957 |
| Net loans and leases to total assets | 82.4731% | 512 |
| Net loans and leases to deposits | 93.3715% | 1,211 |
| Net loans and leases to core deposits | 107.3381% | 1,002 |
| Total domestic deposits to total assets | 88.3279% | 1,481 |
| Equity capital to assets | 11.4939% | 2,419 |
| Core capital (leverage) ratio | 11.4467% | 2,038 |
| Tier 1 risk-based capital ratio | 13.8787% | 3,989 |
| Total risk-based capital ratio | 15.1251% | 3,928 |
| Memoranda: | ||
| Average total assets | $113,641,330 | 4,263 |
| Average earning assets | $107,346,000 | 4,196 |
| Average equity | $12,947,000 | 4,221 |
| Average total loans | $94,540,000 | 3,542 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0627% | 517 |
| Cost of funding earning assets | 0.6693% | 1,002 |
| Net interest margin | 4.3934% | 740 |
| Noninterest income to average assets | 0.3427% | 4,454 |
| Noninterest expense to average assets | 3.3248% | 1,657 |
| Loan and lease loss provision to assets | 0.1201% | 1,725 |
| Net operating income to assets | 0.6925% | 3,837 |
| Return on assets (ROA) | 0.6925% | 3,962 |
| Pretax return on assets | 1.0494% | 3,302 |
| Return on Equity (ROE) | 6.1059% | 3,978 |
| Retained earnings to average equity (ytd only) | 6.1059% | 2,433 |
| Net charge-offs to loans | -0.0128% | 4,830 |
| Credit loss provision to net charge-offs | -1,133.3333% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9780% | 2,823 |
| Assets per employee ($millions) | 4.0561% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 3,634 |
| Loan loss allowance to noncurrent loans | 85.1400% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.7910% | 1,372 |
| Noncurrent loans to loans | 1.4793% | 1,912 |
| Net loans and leases to total assets | 81.8695% | 474 |
| Net loans and leases to deposits | 92.7102% | 1,113 |
| Net loans and leases to core deposits | 106.5222% | 903 |
| Total domestic deposits to total assets | 88.3069% | 1,656 |
| Equity capital to assets | 11.3920% | 2,561 |
| Core capital (leverage) ratio | 11.6221% | 1,910 |
| Tier 1 risk-based capital ratio | 13.9596% | 4,051 |
| Total risk-based capital ratio | 15.2090% | 3,973 |
| Memoranda: | ||
| Average total assets | $113,210,000 | 4,304 |
| Average earning assets | $106,979,000 | 4,236 |
| Average equity | $12,840,000 | 4,266 |
| Average total loans | $94,001,500 | 3,558 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 718 |
| Cost of funding earning assets | 0.7041% | 1,082 |
| Net interest margin | 4.3310% | 1,002 |
| Noninterest income to average assets | 2.2702% | 273 |
| Noninterest expense to average assets | 3.2079% | 2,191 |
| Loan and lease loss provision to assets | 0.2238% | 1,098 |
| Net operating income to assets | 2.5571% | 132 |
| Return on assets (ROA) | 2.5571% | 132 |
| Pretax return on assets | 2.9164% | 120 |
| Return on Equity (ROE) | 23.4319% | 139 |
| Retained earnings to average equity (ytd only) | 23.4319% | 47 |
| Net charge-offs to loans | 0.1332% | 2,685 |
| Credit loss provision to net charge-offs | 211.4035% | 1,168 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 1,348 |
| Efficiency ratio | 50.5339% | 6,064 |
| Assets per employee ($millions) | 4.1796% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 3,857 |
| Loan loss allowance to noncurrent loans | 172.2639% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 1.0917% | 2,566 |
| Noncurrent loans to loans | 0.7108% | 3,543 |
| Net loans and leases to total assets | 82.1345% | 508 |
| Net loans and leases to deposits | 92.9147% | 1,195 |
| Net loans and leases to core deposits | 106.7773% | 967 |
| Total domestic deposits to total assets | 88.3978% | 1,570 |
| Equity capital to assets | 11.2912% | 2,610 |
| Core capital (leverage) ratio | 11.2262% | 2,194 |
| Tier 1 risk-based capital ratio | 14.2616% | 3,924 |
| Total risk-based capital ratio | 15.5118% | 3,854 |
| Memoranda: | ||
| Average total assets | $107,701,800 | 4,424 |
| Average earning assets | $101,408,000 | 4,366 |
| Average equity | $11,753,200 | 4,410 |
| Average total loans | $85,579,000 | 3,724 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0037% | 767 |
| Cost of funding earning assets | 0.7063% | 1,122 |
| Net interest margin | 4.2975% | 1,055 |
| Noninterest income to average assets | 2.9093% | 197 |
| Noninterest expense to average assets | 3.0985% | 2,473 |
| Loan and lease loss provision to assets | 0.2067% | 1,132 |
| Net operating income to assets | 3.2576% | 86 |
| Return on assets (ROA) | 3.2576% | 86 |
| Pretax return on assets | 3.6448% | 78 |
| Return on Equity (ROE) | 30.1285% | 59 |
| Retained earnings to average equity (ytd only) | 30.1285% | 30 |
| Net charge-offs to loans | 0.1517% | 2,277 |
| Credit loss provision to net charge-offs | 173.6842% | 1,431 |
| Earnings coverage of net charge-offs (x) | 32.3588% | 1,305 |
| Efficiency ratio | 44.5827% | 6,342 |
| Assets per employee ($millions) | 4.1946% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 4,205 |
| Loan loss allowance to noncurrent loans | 267.6471% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.9236% | 3,134 |
| Noncurrent loans to loans | 0.4494% | 4,551 |
| Net loans and leases to total assets | 79.2007% | 809 |
| Net loans and leases to deposits | 89.4056% | 1,488 |
| Net loans and leases to core deposits | 102.9190% | 1,158 |
| Total domestic deposits to total assets | 88.5858% | 1,457 |
| Equity capital to assets | 11.1095% | 2,848 |
| Core capital (leverage) ratio | 11.6495% | 1,940 |
| Tier 1 risk-based capital ratio | 14.2774% | 4,037 |
| Total risk-based capital ratio | 15.5166% | 3,968 |
| Memoranda: | ||
| Average total assets | $106,415,000 | 4,492 |
| Average earning assets | $100,056,250 | 4,434 |
| Average equity | $11,506,000 | 4,485 |
| Average total loans | $83,514,500 | 3,806 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9142% | 891 |
| Cost of funding earning assets | 0.7055% | 1,167 |
| Net interest margin | 4.2087% | 1,220 |
| Noninterest income to average assets | 0.3784% | 4,423 |
| Noninterest expense to average assets | 3.1344% | 2,377 |
| Loan and lease loss provision to assets | 0.2189% | 1,063 |
| Net operating income to assets | 0.6453% | 4,125 |
| Return on assets (ROA) | 4.4865% | 56 |
| Pretax return on assets | 4.8187% | 67 |
| Return on Equity (ROE) | 41.9114% | 28 |
| Retained earnings to average equity (ytd only) | 41.9114% | 17 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3725% | 3,274 |
| Assets per employee ($millions) | 3.7882% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 3,869 |
| Loan loss allowance to noncurrent loans | 78.5615% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.5311% | 2,128 |
| Noncurrent loans to loans | 1.6496% | 2,107 |
| Net loans and leases to total assets | 81.5678% | 513 |
| Net loans and leases to deposits | 92.5594% | 1,090 |
| Net loans and leases to core deposits | 108.7373% | 738 |
| Total domestic deposits to total assets | 88.1248% | 1,836 |
| Equity capital to assets | 11.6131% | 2,312 |
| Core capital (leverage) ratio | 11.7325% | 1,833 |
| Tier 1 risk-based capital ratio | 14.5109% | 3,927 |
| Total risk-based capital ratio | 15.7619% | 3,865 |
| Memoranda: | ||
| Average total assets | $104,135,330 | 4,578 |
| Average earning assets | $97,798,330 | 4,533 |
| Average equity | $11,147,330 | 4,569 |
| Average total loans | $81,089,330 | 3,879 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 1,083 |
| Cost of funding earning assets | 0.7107% | 1,188 |
| Net interest margin | 4.0700% | 1,546 |
| Noninterest income to average assets | 0.3528% | 4,553 |
| Noninterest expense to average assets | 3.0824% | 2,582 |
| Loan and lease loss provision to assets | 0.1473% | 1,651 |
| Net operating income to assets | 0.6203% | 4,098 |
| Return on assets (ROA) | 4.4975% | 55 |
| Pretax return on assets | 4.8193% | 65 |
| Return on Equity (ROE) | 43.9311% | 26 |
| Retained earnings to average equity (ytd only) | 43.9311% | 16 |
| Net charge-offs to loans | -0.0206% | 5,374 |
| Credit loss provision to net charge-offs | -950.0000% | 5,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8848% | 3,163 |
| Assets per employee ($millions) | 4.1101% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 4,095 |
| Loan loss allowance to noncurrent loans | 61.5029% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 1.8569% | 1,872 |
| Noncurrent loans to loans | 2.1222% | 1,731 |
| Net loans and leases to total assets | 78.2984% | 734 |
| Net loans and leases to deposits | 88.1340% | 1,346 |
| Net loans and leases to core deposits | 103.2534% | 905 |
| Total domestic deposits to total assets | 88.8402% | 1,758 |
| Equity capital to assets | 10.8435% | 2,888 |
| Core capital (leverage) ratio | 10.9791% | 2,409 |
| Tier 1 risk-based capital ratio | 14.0664% | 4,284 |
| Total risk-based capital ratio | 15.3175% | 4,223 |
| Memoranda: | ||
| Average total assets | $103,168,000 | 4,647 |
| Average earning assets | $96,807,000 | 4,600 |
| Average equity | $10,562,000 | 4,713 |
| Average total loans | $77,806,500 | 4,001 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 925 |
| Cost of funding earning assets | 0.9010% | 733 |
| Net interest margin | 4.0962% | 1,653 |
| Noninterest income to average assets | 0.5178% | 3,647 |
| Noninterest expense to average assets | 3.1505% | 2,588 |
| Loan and lease loss provision to assets | 0.0780% | 3,550 |
| Net operating income to assets | 0.7434% | 3,589 |
| Return on assets (ROA) | 0.7434% | 3,677 |
| Pretax return on assets | 1.1136% | 2,907 |
| Return on Equity (ROE) | 7.4487% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.4487% | 1,252 |
| Net charge-offs to loans | 0.0791% | 4,108 |
| Credit loss provision to net charge-offs | 129.3103% | 1,811 |
| Earnings coverage of net charge-offs (x) | 19.7586% | 1,590 |
| Efficiency ratio | 72.5575% | 3,376 |
| Assets per employee ($millions) | 3.8364% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 3,745 |
| Loan loss allowance to noncurrent loans | 65.7235% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.8758% | 1,946 |
| Noncurrent loans to loans | 2.0987% | 1,884 |
| Net loans and leases to total assets | 70.5454% | 1,927 |
| Net loans and leases to deposits | 78.5047% | 2,656 |
| Net loans and leases to core deposits | 91.8026% | 1,812 |
| Total domestic deposits to total assets | 89.8613% | 1,151 |
| Equity capital to assets | 9.6367% | 4,236 |
| Core capital (leverage) ratio | 9.6899% | 3,998 |
| Tier 1 risk-based capital ratio | 13.3859% | 4,726 |
| Total risk-based capital ratio | 14.6371% | 4,675 |
| Memoranda: | ||
| Average total assets | $96,173,800 | 4,835 |
| Average earning assets | $89,790,400 | 4,776 |
| Average equity | $9,599,000 | 4,950 |
| Average total loans | $73,300,800 | 4,156 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0799% | 798 |
| Cost of funding earning assets | 0.9301% | 705 |
| Net interest margin | 4.1498% | 1,484 |
| Noninterest income to average assets | 0.5216% | 3,661 |
| Noninterest expense to average assets | 3.1904% | 2,395 |
| Loan and lease loss provision to assets | 0.1060% | 2,988 |
| Net operating income to assets | 0.7294% | 3,708 |
| Return on assets (ROA) | 0.7294% | 3,831 |
| Pretax return on assets | 1.1040% | 3,099 |
| Return on Equity (ROE) | 7.2394% | 3,526 |
| Retained earnings to average equity (ytd only) | 7.2394% | 1,774 |
| Net charge-offs to loans | 0.0602% | 4,047 |
| Credit loss provision to net charge-offs | 227.2727% | 1,070 |
| Earnings coverage of net charge-offs (x) | 25.9386% | 1,364 |
| Efficiency ratio | 72.5024% | 3,316 |
| Assets per employee ($millions) | 4.3937% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 3,876 |
| Loan loss allowance to noncurrent loans | 76.3120% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 2.0118% | 1,998 |
| Noncurrent loans to loans | 1.8399% | 2,448 |
| Net loans and leases to total assets | 72.7552% | 1,492 |
| Net loans and leases to deposits | 80.7402% | 2,297 |
| Net loans and leases to core deposits | 93.7422% | 1,596 |
| Total domestic deposits to total assets | 90.1102% | 932 |
| Equity capital to assets | 9.6661% | 4,341 |
| Core capital (leverage) ratio | 9.8368% | 3,908 |
| Tier 1 risk-based capital ratio | 13.3964% | 4,841 |
| Total risk-based capital ratio | 14.6486% | 4,779 |
| Memoranda: | ||
| Average total assets | $94,321,500 | 4,929 |
| Average earning assets | $88,162,500 | 4,866 |
| Average equity | $9,503,250 | 5,035 |
| Average total loans | $73,102,250 | 4,194 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2140% | 623 |
| Cost of funding earning assets | 0.9514% | 709 |
| Net interest margin | 4.2626% | 1,111 |
| Noninterest income to average assets | 0.5018% | 3,818 |
| Noninterest expense to average assets | 3.2386% | 2,243 |
| Loan and lease loss provision to assets | 0.1629% | 2,292 |
| Net operating income to assets | 0.6994% | 3,812 |
| Return on assets (ROA) | 0.6994% | 3,984 |
| Pretax return on assets | 1.0708% | 3,215 |
| Return on Equity (ROE) | 6.8401% | 3,699 |
| Retained earnings to average equity (ytd only) | 6.8401% | 1,959 |
| Net charge-offs to loans | 0.0523% | 3,943 |
| Credit loss provision to net charge-offs | 394.7368% | 664 |
| Earnings coverage of net charge-offs (x) | 29.8947% | 1,148 |
| Efficiency ratio | 72.4138% | 3,399 |
| Assets per employee ($millions) | 4.1500% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 3,868 |
| Loan loss allowance to noncurrent loans | 84.4073% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 2.0094% | 2,145 |
| Noncurrent loans to loans | 1.7004% | 2,762 |
| Net loans and leases to total assets | 76.3363% | 949 |
| Net loans and leases to deposits | 85.0339% | 1,683 |
| Net loans and leases to core deposits | 99.5260% | 1,116 |
| Total domestic deposits to total assets | 89.7716% | 1,163 |
| Equity capital to assets | 10.0304% | 3,878 |
| Core capital (leverage) ratio | 10.2013% | 3,229 |
| Tier 1 risk-based capital ratio | 13.3681% | 4,866 |
| Total risk-based capital ratio | 14.6206% | 4,811 |
| Memoranda: | ||
| Average total assets | $92,077,330 | 5,007 |
| Average earning assets | $85,769,330 | 4,957 |
| Average equity | $9,415,000 | 5,080 |
| Average total loans | $72,613,330 | 4,223 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1564% | 670 |
| Cost of funding earning assets | 0.9650% | 726 |
| Net interest margin | 4.1913% | 1,215 |
| Noninterest income to average assets | 0.5399% | 3,498 |
| Noninterest expense to average assets | 3.1994% | 2,357 |
| Loan and lease loss provision to assets | 0.1416% | 2,469 |
| Net operating income to assets | 0.7390% | 3,483 |
| Return on assets (ROA) | 0.7390% | 3,620 |
| Pretax return on assets | 1.1196% | 2,883 |
| Return on Equity (ROE) | 7.1555% | 3,404 |
| Retained earnings to average equity (ytd only) | 7.1555% | 2,086 |
| Net charge-offs to loans | 0.0056% | 4,051 |
| Credit loss provision to net charge-offs | 3,200.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 285.0000% | 127 |
| Efficiency ratio | 71.7262% | 3,670 |
| Assets per employee ($millions) | 3.8355% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 4,137 |
| Loan loss allowance to noncurrent loans | 166.2921% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 1.0983% | 3,735 |
| Noncurrent loans to loans | 0.8535% | 4,410 |
| Net loans and leases to total assets | 78.1699% | 595 |
| Net loans and leases to deposits | 87.3614% | 1,202 |
| Net loans and leases to core deposits | 102.8310% | 784 |
| Total domestic deposits to total assets | 89.4788% | 1,369 |
| Equity capital to assets | 10.2323% | 3,876 |
| Core capital (leverage) ratio | 10.4021% | 2,899 |
| Tier 1 risk-based capital ratio | 13.3690% | 4,962 |
| Total risk-based capital ratio | 14.6223% | 4,910 |
| Memoranda: | ||
| Average total assets | $90,391,000 | 5,086 |
| Average earning assets | $84,555,500 | 5,025 |
| Average equity | $9,335,500 | 5,149 |
| Average total loans | $71,958,000 | 4,269 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4073% | 746 |
| Cost of funding earning assets | 1.0942% | 928 |
| Net interest margin | 4.3131% | 1,378 |
| Noninterest income to average assets | 0.5260% | 3,740 |
| Noninterest expense to average assets | 3.4586% | 1,929 |
| Loan and lease loss provision to assets | 0.1309% | 3,983 |
| Net operating income to assets | 0.5776% | 4,350 |
| Return on assets (ROA) | 0.5776% | 4,609 |
| Pretax return on assets | 0.9223% | 3,846 |
| Return on Equity (ROE) | 5.3314% | 4,515 |
| Retained earnings to average equity (ytd only) | 5.3314% | 2,482 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6569% | 2,643 |
| Assets per employee ($millions) | 3.8578% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 4,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 5,398 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 78.7986% | 587 |
| Net loans and leases to deposits | 88.1790% | 1,250 |
| Net loans and leases to core deposits | 105.7665% | 700 |
| Total domestic deposits to total assets | 89.3621% | 1,324 |
| Equity capital to assets | 10.4271% | 3,619 |
| Core capital (leverage) ratio | 10.2722% | 3,045 |
| Tier 1 risk-based capital ratio | 13.3568% | 4,849 |
| Total risk-based capital ratio | 14.6085% | 4,805 |
| Memoranda: | ||
| Average total assets | $83,271,600 | 5,264 |
| Average earning assets | $76,951,400 | 5,215 |
| Average equity | $9,022,000 | 5,216 |
| Average total loans | $67,323,200 | 4,446 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4220% | 799 |
| Cost of funding earning assets | 1.1123% | 1,014 |
| Net interest margin | 4.3097% | 1,439 |
| Noninterest income to average assets | 0.5323% | 3,729 |
| Noninterest expense to average assets | 3.4022% | 1,996 |
| Loan and lease loss provision to assets | 0.1367% | 3,834 |
| Net operating income to assets | 0.6283% | 4,253 |
| Return on assets (ROA) | 0.6283% | 4,508 |
| Pretax return on assets | 0.9669% | 3,835 |
| Return on Equity (ROE) | 5.7410% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.7410% | 2,872 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5058% | 2,744 |
| Assets per employee ($millions) | 3.6235% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 4,351 |
| Loan loss allowance to noncurrent loans | 210.3004% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 1.0050% | 4,274 |
| Noncurrent loans to loans | 0.6684% | 5,107 |
| Net loans and leases to total assets | 79.0463% | 600 |
| Net loans and leases to deposits | 88.5895% | 1,286 |
| Net loans and leases to core deposits | 106.1260% | 731 |
| Total domestic deposits to total assets | 89.2276% | 1,297 |
| Equity capital to assets | 10.5217% | 3,817 |
| Core capital (leverage) ratio | 10.9005% | 2,486 |
| Tier 1 risk-based capital ratio | 13.3277% | 4,998 |
| Total risk-based capital ratio | 14.5801% | 4,967 |
| Memoranda: | ||
| Average total assets | $81,907,000 | 5,355 |
| Average earning assets | $75,517,750 | 5,309 |
| Average equity | $8,964,500 | 5,278 |
| Average total loans | $66,423,250 | 4,533 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4259% | 829 |
| Cost of funding earning assets | 1.1497% | 1,028 |
| Net interest margin | 4.2762% | 1,527 |
| Noninterest income to average assets | 0.5435% | 3,628 |
| Noninterest expense to average assets | 3.3607% | 2,125 |
| Loan and lease loss provision to assets | 0.1072% | 4,186 |
| Net operating income to assets | 0.6657% | 4,033 |
| Return on assets (ROA) | 0.6657% | 4,295 |
| Pretax return on assets | 1.0072% | 3,677 |
| Return on Equity (ROE) | 5.9982% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.9982% | 2,716 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0975% | 2,881 |
| Assets per employee ($millions) | 3.2838% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 4,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5153% | 5,471 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 80.6017% | 440 |
| Net loans and leases to deposits | 90.7968% | 1,068 |
| Net loans and leases to core deposits | 104.5587% | 823 |
| Total domestic deposits to total assets | 88.7715% | 1,659 |
| Equity capital to assets | 11.0007% | 3,114 |
| Core capital (leverage) ratio | 11.0345% | 2,263 |
| Tier 1 risk-based capital ratio | 13.5320% | 4,797 |
| Total risk-based capital ratio | 14.7839% | 4,760 |
| Memoranda: | ||
| Average total assets | $80,221,670 | 5,428 |
| Average earning assets | $73,756,670 | 5,404 |
| Average equity | $8,902,670 | 5,294 |
| Average total loans | $65,324,000 | 4,593 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4438% | 844 |
| Cost of funding earning assets | 1.1920% | 1,023 |
| Net interest margin | 4.2518% | 1,604 |
| Noninterest income to average assets | 0.4036% | 4,639 |
| Noninterest expense to average assets | 3.1229% | 2,838 |
| Loan and lease loss provision to assets | 0.2169% | 2,765 |
| Net operating income to assets | 0.6407% | 4,164 |
| Return on assets (ROA) | 0.6407% | 4,372 |
| Pretax return on assets | 0.9687% | 3,798 |
| Return on Equity (ROE) | 5.7476% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.7476% | 3,112 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4824% | 3,345 |
| Assets per employee ($millions) | 4.0315% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 4,433 |
| Loan loss allowance to noncurrent loans | 549.1228% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 5,075 |
| Noncurrent loans to loans | 0.2618% | 6,162 |
| Net loans and leases to total assets | 79.8435% | 421 |
| Net loans and leases to deposits | 90.0138% | 962 |
| Net loans and leases to core deposits | 100.9012% | 931 |
| Total domestic deposits to total assets | 88.7013% | 1,885 |
| Equity capital to assets | 11.0407% | 2,854 |
| Core capital (leverage) ratio | 11.0423% | 2,226 |
| Tier 1 risk-based capital ratio | 13.4996% | 4,826 |
| Total risk-based capital ratio | 14.7516% | 4,811 |
| Memoranda: | ||
| Average total assets | $79,285,000 | 5,500 |
| Average earning assets | $72,816,500 | 5,471 |
| Average equity | $8,838,500 | 5,330 |
| Average total loans | $64,431,500 | 4,647 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5964% | 964 |
| Cost of funding earning assets | 1.3605% | 1,196 |
| Net interest margin | 4.2360% | 1,940 |
| Noninterest income to average assets | 0.4685% | 4,069 |
| Noninterest expense to average assets | 3.2386% | 2,734 |
| Loan and lease loss provision to assets | 0.4205% | 2,492 |
| Net operating income to assets | 1.5015% | 824 |
| Return on assets (ROA) | 1.5015% | 895 |
| Pretax return on assets | 0.6780% | 4,417 |
| Return on Equity (ROE) | 12.9336% | 1,181 |
| Retained earnings to average equity (ytd only) | 12.9336% | 232 |
| Net charge-offs to loans | 0.0054% | 6,356 |
| Credit loss provision to net charge-offs | 9,633.3333% | 23 |
| Earnings coverage of net charge-offs (x) | 251.6667% | 135 |
| Efficiency ratio | 74.6729% | 3,110 |
| Assets per employee ($millions) | 4.1022% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 4,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 5,611 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 80.3826% | 457 |
| Net loans and leases to deposits | 90.8341% | 1,071 |
| Net loans and leases to core deposits | 103.1904% | 955 |
| Total domestic deposits to total assets | 88.4939% | 1,851 |
| Equity capital to assets | 11.2585% | 2,732 |
| Core capital (leverage) ratio | 11.3430% | 2,008 |
| Tier 1 risk-based capital ratio | 13.4670% | 4,718 |
| Total risk-based capital ratio | 14.7192% | 4,684 |
| Memoranda: | ||
| Average total assets | $68,732,600 | 5,786 |
| Average earning assets | $62,772,200 | 5,780 |
| Average equity | $7,979,200 | 5,574 |
| Average total loans | $55,493,400 | 5,053 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5746% | 1,090 |
| Cost of funding earning assets | 1.4090% | 1,199 |
| Net interest margin | 4.1655% | 2,222 |
| Noninterest income to average assets | 0.4235% | 4,489 |
| Noninterest expense to average assets | 3.2635% | 2,623 |
| Loan and lease loss provision to assets | 0.4958% | 2,004 |
| Net operating income to assets | 0.4616% | 4,716 |
| Return on assets (ROA) | 0.4616% | 4,906 |
| Pretax return on assets | 0.4616% | 5,282 |
| Return on Equity (ROE) | 3.9415% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.9415% | 3,918 |
| Net charge-offs to loans | 0.0075% | 6,061 |
| Credit loss provision to net charge-offs | 8,233.3333% | 35 |
| Earnings coverage of net charge-offs (x) | 158.9950% | 244 |
| Efficiency ratio | 77.3181% | 2,638 |
| Assets per employee ($millions) | 3.9716% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 4,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 5,636 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 84.1150% | 214 |
| Net loans and leases to deposits | 95.0149% | 756 |
| Net loans and leases to core deposits | 107.0249% | 808 |
| Total domestic deposits to total assets | 88.5283% | 1,741 |
| Equity capital to assets | 11.1346% | 3,015 |
| Core capital (leverage) ratio | 11.6770% | 1,908 |
| Tier 1 risk-based capital ratio | 13.2175% | 4,937 |
| Total risk-based capital ratio | 14.4696% | 4,907 |
| Memoranda: | ||
| Average total assets | $66,430,500 | 5,901 |
| Average earning assets | $60,559,250 | 5,888 |
| Average equity | $7,780,250 | 5,665 |
| Average total loans | $53,480,000 | 5,184 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4476% | 1,419 |
| Cost of funding earning assets | 1.4755% | 1,087 |
| Net interest margin | 3.9720% | 2,979 |
| Noninterest income to average assets | 0.3274% | 5,277 |
| Noninterest expense to average assets | 3.2960% | 2,584 |
| Loan and lease loss provision to assets | 0.5282% | 1,849 |
| Net operating income to assets | 0.1205% | 5,965 |
| Return on assets (ROA) | 0.1205% | 6,052 |
| Pretax return on assets | 0.1205% | 6,067 |
| Return on Equity (ROE) | 1.0103% | 6,085 |
| Retained earnings to average equity (ytd only) | 1.0103% | 5,461 |
| Net charge-offs to loans | 0.0118% | 5,685 |
| Credit loss provision to net charge-offs | 5,700.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 477 |
| Efficiency ratio | 83.5552% | 1,878 |
| Assets per employee ($millions) | 4.1096% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 4,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1284% | 4,636 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 84.6078% | 202 |
| Net loans and leases to deposits | 96.7581% | 665 |
| Net loans and leases to core deposits | 111.4778% | 671 |
| Total domestic deposits to total assets | 87.4426% | 2,494 |
| Equity capital to assets | 11.7940% | 2,252 |
| Core capital (leverage) ratio | 11.9490% | 1,623 |
| Tier 1 risk-based capital ratio | 13.6158% | 4,443 |
| Total risk-based capital ratio | 14.8676% | 4,421 |
| Memoranda: | ||
| Average total assets | $64,744,330 | 5,990 |
| Average earning assets | $58,962,000 | 5,987 |
| Average equity | $7,720,330 | 5,696 |
| Average total loans | $50,977,670 | 5,316 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2482% | 2,056 |
| Cost of funding earning assets | 1.5316% | 1,049 |
| Net interest margin | 3.7167% | 4,014 |
| Noninterest income to average assets | 0.2927% | 5,577 |
| Noninterest expense to average assets | 3.1445% | 3,093 |
| Loan and lease loss provision to assets | 0.4483% | 1,966 |
| Net operating income to assets | 0.0996% | 6,097 |
| Return on assets (ROA) | 0.0996% | 6,150 |
| Pretax return on assets | 0.0996% | 6,168 |
| Return on Equity (ROE) | 0.8308% | 6,182 |
| Retained earnings to average equity (ytd only) | 0.8308% | 5,496 |
| Net charge-offs to loans | 0.0249% | 4,739 |
| Credit loss provision to net charge-offs | 2,400.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 29.3333% | 842 |
| Efficiency ratio | 85.1602% | 1,817 |
| Assets per employee ($millions) | 4.3293% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 4,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7863% | 3,593 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 75.3908% | 1,127 |
| Net loans and leases to deposits | 85.9199% | 1,742 |
| Net loans and leases to core deposits | 99.8796% | 1,350 |
| Total domestic deposits to total assets | 87.7454% | 2,526 |
| Equity capital to assets | 11.8850% | 1,988 |
| Core capital (leverage) ratio | 12.0104% | 1,559 |
| Tier 1 risk-based capital ratio | 14.9585% | 3,450 |
| Total risk-based capital ratio | 16.2086% | 3,407 |
| Memoranda: | ||
| Average total assets | $64,239,500 | 6,056 |
| Average earning assets | $58,762,500 | 6,039 |
| Average equity | $7,703,000 | 5,705 |
| Average total loans | $48,261,000 | 5,472 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 4,444 |
| Cost of funding earning assets | 1.7434% | 1,406 |
| Net interest margin | 3.2779% | 6,046 |
| Noninterest income to average assets | 0.4279% | 4,691 |
| Noninterest expense to average assets | 3.3633% | 2,546 |
| Loan and lease loss provision to assets | 0.5269% | 3,043 |
| Net operating income to assets | -0.3849% | 6,295 |
| Return on assets (ROA) | -0.3849% | 6,326 |
| Pretax return on assets | -0.3849% | 6,232 |
| Return on Equity (ROE) | -2.6921% | 6,247 |
| Retained earnings to average equity (ytd only) | -2.6921% | 6,064 |
| Net charge-offs to loans | 0.0133% | 6,693 |
| Credit loss provision to net charge-offs | 5,640.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 15.2000% | 1,293 |
| Efficiency ratio | 95.9488% | 973 |
| Assets per employee ($millions) | 4.5386% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 4,996 |
| Loan loss allowance to noncurrent loans | 4,357.1429% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.9097% | 5,199 |
| Noncurrent loans to loans | 0.0299% | 7,059 |
| Net loans and leases to total assets | 72.8281% | 1,920 |
| Net loans and leases to deposits | 83.2509% | 2,577 |
| Net loans and leases to core deposits | 99.1770% | 1,684 |
| Total domestic deposits to total assets | 87.4803% | 2,562 |
| Equity capital to assets | 12.0995% | 1,852 |
| Core capital (leverage) ratio | 12.5707% | 1,283 |
| Tier 1 risk-based capital ratio | 16.1154% | 2,695 |
| Total risk-based capital ratio | 17.3668% | 2,651 |
| Memoranda: | ||
| Average total assets | $53,518,200 | 6,420 |
| Average earning assets | $50,246,200 | 6,358 |
| Average equity | $7,652,000 | 5,824 |
| Average total loans | $37,463,200 | 6,036 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 5,320 |
| Cost of funding earning assets | 1.7799% | 1,509 |
| Net interest margin | 3.1078% | 6,596 |
| Noninterest income to average assets | 0.3790% | 5,126 |
| Noninterest expense to average assets | 3.4370% | 2,189 |
| Loan and lease loss provision to assets | 0.5541% | 2,729 |
| Net operating income to assets | -0.6822% | 6,721 |
| Return on assets (ROA) | -0.6822% | 6,768 |
| Pretax return on assets | -0.6822% | 6,667 |
| Return on Equity (ROE) | -4.5531% | 6,617 |
| Retained earnings to average equity (ytd only) | -4.5531% | 6,522 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8705% | 640 |
| Assets per employee ($millions) | 4.1572% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 5,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 5,149 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 74.1757% | 1,764 |
| Net loans and leases to deposits | 85.6296% | 2,420 |
| Net loans and leases to core deposits | 98.1293% | 2,023 |
| Total domestic deposits to total assets | 86.6239% | 2,736 |
| Equity capital to assets | 13.0599% | 1,547 |
| Core capital (leverage) ratio | 13.6810% | 997 |
| Tier 1 risk-based capital ratio | 17.3049% | 2,241 |
| Total risk-based capital ratio | 18.5457% | 2,203 |
| Memoranda: | ||
| Average total assets | $51,012,750 | 6,573 |
| Average earning assets | $48,092,500 | 6,505 |
| Average equity | $7,643,000 | 5,901 |
| Average total loans | $35,107,750 | 6,234 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7158% | 6,091 |
| Cost of funding earning assets | 1.7880% | 1,693 |
| Net interest margin | 2.9278% | 6,973 |
| Noninterest income to average assets | 0.3126% | 5,665 |
| Noninterest expense to average assets | 3.6284% | 1,709 |
| Loan and lease loss provision to assets | 0.5513% | 2,572 |
| Net operating income to assets | -1.0984% | 6,984 |
| Return on assets (ROA) | -1.0984% | 7,000 |
| Pretax return on assets | -1.0984% | 6,932 |
| Return on Equity (ROE) | -6.9740% | 6,833 |
| Retained earnings to average equity (ytd only) | -6.9740% | 6,736 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.7570% | 440 |
| Assets per employee ($millions) | 4.1846% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 5,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0368% | 5,062 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 68.8401% | 3,161 |
| Net loans and leases to deposits | 80.2163% | 3,563 |
| Net loans and leases to core deposits | 93.6319% | 2,777 |
| Total domestic deposits to total assets | 85.8180% | 3,191 |
| Equity capital to assets | 13.9026% | 1,206 |
| Core capital (leverage) ratio | 14.3802% | 840 |
| Tier 1 risk-based capital ratio | 19.8593% | 1,538 |
| Total risk-based capital ratio | 21.0855% | 1,508 |
| Memoranda: | ||
| Average total assets | $48,616,670 | 6,709 |
| Average earning assets | $45,972,670 | 6,637 |
| Average equity | $7,657,000 | 5,911 |
| Average total loans | $32,238,330 | 6,427 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 6,500 |
| Cost of funding earning assets | 1.7431% | 2,164 |
| Net interest margin | 2.8776% | 7,058 |
| Noninterest income to average assets | 0.1837% | 6,641 |
| Noninterest expense to average assets | 3.7529% | 1,410 |
| Loan and lease loss provision to assets | 0.5161% | 2,433 |
| Net operating income to assets | -1.3559% | 7,282 |
| Return on assets (ROA) | -1.3559% | 7,292 |
| Pretax return on assets | -1.3559% | 7,206 |
| Return on Equity (ROE) | -8.0478% | 7,058 |
| Retained earnings to average equity (ytd only) | -8.0478% | 6,836 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.8288% | 348 |
| Assets per employee ($millions) | 3.8316% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 5,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 62.5243% | 4,653 |
| Net loans and leases to deposits | 74.1824% | 4,712 |
| Net loans and leases to core deposits | 85.6640% | 3,950 |
| Total domestic deposits to total assets | 84.2846% | 4,003 |
| Equity capital to assets | 15.3440% | 796 |
| Core capital (leverage) ratio | 17.0439% | 455 |
| Tier 1 risk-based capital ratio | 24.5606% | 914 |
| Total risk-based capital ratio | 25.8106% | 890 |
| Memoranda: | ||
| Average total assets | $45,725,000 | 6,885 |
| Average earning assets | $43,370,000 | 6,801 |
| Average equity | $7,704,000 | 5,943 |
| Average total loans | $29,399,500 | 6,636 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8469% | 7,752 |
| Cost of funding earning assets | 1.3029% | 6,298 |
| Net interest margin | 2.5440% | 7,375 |
| Noninterest income to average assets | 0.4823% | 4,548 |
| Noninterest expense to average assets | 5.6161% | 365 |
| Loan and lease loss provision to assets | 1.1847% | 1,945 |
| Net operating income to assets | -4.0190% | 7,608 |
| Return on assets (ROA) | -4.0190% | 7,605 |
| Pretax return on assets | -4.0190% | 7,527 |
| Return on Equity (ROE) | -14.3146% | 6,893 |
| Retained earnings to average equity (ytd only) | -14.3146% | 6,836 |
| Net charge-offs to loans | 0.0335% | 6,793 |
| Credit loss provision to net charge-offs | 5,650.0000% | 68 |
| Earnings coverage of net charge-offs (x) | -135.1667% | 7,228 |
| Efficiency ratio | 201.8844% | 134 |
| Assets per employee ($millions) | 3.4699% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 5,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 64.6749% | 4,452 |
| Net loans and leases to deposits | 80.1584% | 3,959 |
| Net loans and leases to core deposits | 128.9751% | 1,332 |
| Total domestic deposits to total assets | 80.6840% | 5,443 |
| Equity capital to assets | 18.6484% | 394 |
| Core capital (leverage) ratio | 20.5799% | 254 |
| Tier 1 risk-based capital ratio | 29.0053% | 576 |
| Total risk-based capital ratio | 30.2492% | 562 |
| Memoranda: | ||
| Average total assets | $28,614,250 | 7,519 |
| Average earning assets | $25,864,750 | 7,510 |
| Average equity | $8,033,750 | 5,909 |
| Average total loans | $17,896,000 | 7,318 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5318% | 7,928 |
| Cost of funding earning assets | 1.1130% | 7,149 |
| Net interest margin | 2.4188% | 7,547 |
| Noninterest income to average assets | 0.5053% | 4,441 |
| Noninterest expense to average assets | 6.4103% | 257 |
| Loan and lease loss provision to assets | 1.4447% | 1,328 |
| Net operating income to assets | -5.2129% | 7,862 |
| Return on assets (ROA) | -5.2129% | 7,860 |
| Pretax return on assets | -5.2129% | 7,833 |
| Return on Equity (ROE) | -15.5761% | 7,213 |
| Retained earnings to average equity (ytd only) | -15.5761% | 7,164 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 242.6195% | 90 |
| Assets per employee ($millions) | 3.1098% | 5,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 5,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 62.9736% | 5,075 |
| Net loans and leases to deposits | 82.4353% | 3,929 |
| Net loans and leases to core deposits | 135.3651% | 1,134 |
| Total domestic deposits to total assets | 76.3915% | 6,499 |
| Equity capital to assets | 23.1700% | 209 |
| Core capital (leverage) ratio | 27.0281% | 149 |
| Tier 1 risk-based capital ratio | 36.6012% | 345 |
| Total risk-based capital ratio | 37.8157% | 334 |
| Memoranda: | ||
| Average total assets | $24,272,670 | 7,735 |
| Average earning assets | $21,442,330 | 7,733 |
| Average equity | $8,123,330 | 5,937 |
| Average total loans | $14,773,670 | 7,533 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0142% | 8,077 |
| Cost of funding earning assets | 0.8311% | 7,781 |
| Net interest margin | 2.1831% | 7,760 |
| Noninterest income to average assets | 0.4766% | 4,660 |
| Noninterest expense to average assets | 7.4799% | 184 |
| Loan and lease loss provision to assets | 1.9580% | 831 |
| Net operating income to assets | -7.1380% | 8,062 |
| Return on assets (ROA) | -7.1380% | 8,050 |
| Pretax return on assets | -7.1380% | 8,032 |
| Return on Equity (ROE) | -16.7599% | 7,413 |
| Retained earnings to average equity (ytd only) | -16.7599% | 7,336 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 325.2252% | 72 |
| Assets per employee ($millions) | 2.4542% | 7,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 4,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 63.6623% | 5,052 |
| Net loans and leases to deposits | 95.4895% | 1,874 |
| Net loans and leases to core deposits | 159.9181% | 453 |
| Total domestic deposits to total assets | 66.6694% | 7,700 |
| Equity capital to assets | 32.9720% | 117 |
| Core capital (leverage) ratio | 42.0364% | 83 |
| Tier 1 risk-based capital ratio | 51.6104% | 175 |
| Total risk-based capital ratio | 52.8159% | 171 |
| Memoranda: | ||
| Average total assets | $19,305,000 | 7,949 |
| Average earning assets | $16,123,500 | 7,971 |
| Average equity | $8,222,000 | 5,944 |
| Average total loans | $11,258,000 | 7,797 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0324% | 8,216 |
| Cost of funding earning assets | 0.4130% | 8,131 |
| Net interest margin | 0.6195% | 8,192 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 7.7623% | 163 |
| Loan and lease loss provision to assets | 2.2747% | 520 |
| Net operating income to assets | -9.5252% | 8,167 |
| Return on assets (ROA) | -9.5252% | 8,158 |
| Pretax return on assets | -9.5252% | 8,146 |
| Return on Equity (ROE) | -16.0441% | 7,645 |
| Retained earnings to average equity (ytd only) | -16.0441% | 7,492 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,516.6667% | 14 |
| Assets per employee ($millions) | 1.7585% | 8,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 4,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 47.0785% | 7,098 |
| Net loans and leases to deposits | 116.5611% | 371 |
| Net loans and leases to core deposits | 183.9211% | 210 |
| Total domestic deposits to total assets | 40.3895% | 8,139 |
| Equity capital to assets | 59.3688% | 51 |
| Core capital (leverage) ratio | 67.7098% | 47 |
| Tier 1 risk-based capital ratio | 115.2636% | 63 |
| Total risk-based capital ratio | 116.3677% | 62 |
| Memoranda: | ||
| Average total assets | $14,068,000 | 8,140 |
| Average earning assets | $11,623,000 | 8,137 |
| Average equity | $8,352,000 | 5,933 |
| Average total loans | $6,703,000 | 8,049 |