Home > Drake Bank > Performance and Condition Ratios
Drake 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 | 5.7500% | 880 |
| Cost of funding earning assets | 2.2604% | 580 |
| Net interest margin | 3.4896% | 2,209 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 3.1329% | 910 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.2889% | 4,047 |
| Return on assets (ROA) | 0.2889% | 4,046 |
| Pretax return on assets | 0.3434% | 4,043 |
| Return on Equity (ROE) | 3.9400% | 3,895 |
| Retained earnings to average equity (ytd only) | 2.0822% | 3,561 |
| Net charge-offs to loans | 0.0012% | 2,818 |
| Credit loss provision to net charge-offs | 14,450.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 549.0000% | 269 |
| Efficiency ratio | 86.0766% | 556 |
| Assets per employee ($millions) | 6.0407% | 2,781 |
| Cash dividends to net income (ytd only)* | 47.1246% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 1,256 |
| Loan loss allowance to noncurrent loans | 7,717.6471% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,663 |
| Noncurrent loans to loans | 0.0186% | 3,608 |
| Net loans and leases to total assets | 76.4800% | 1,057 |
| Net loans and leases to deposits | 91.4473% | 1,147 |
| Net loans and leases to core deposits | 113.7339% | 821 |
| Total domestic deposits to total assets | 83.6300% | 2,725 |
| Equity capital to assets | 7.7423% | 3,580 |
| Core capital (leverage) ratio | 9.6290% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $216,665,600 | 2,864 |
| Average earning assets | $211,599,600 | 2,792 |
| Average equity | $15,896,400 | 3,195 |
| Average total loans | $171,545,800 | 2,512 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6418% | 861 |
| Cost of funding earning assets | 2.1192% | 571 |
| Net interest margin | 3.5227% | 2,164 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 3.2034% | 816 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.3900% | 3,978 |
| Return on assets (ROA) | 0.3900% | 3,979 |
| Pretax return on assets | 0.4372% | 4,008 |
| Return on Equity (ROE) | 5.4000% | 3,747 |
| Retained earnings to average equity (ytd only) | 5.3992% | 2,806 |
| Net charge-offs to loans | 0.0016% | 2,538 |
| Credit loss provision to net charge-offs | 1,250.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 378.5000% | 378 |
| Efficiency ratio | 87.0576% | 475 |
| Assets per employee ($millions) | 5.4438% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 1,706 |
| Loan loss allowance to noncurrent loans | 603.5806% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 2,364 |
| Noncurrent loans to loans | 0.2217% | 2,465 |
| Net loans and leases to total assets | 81.9600% | 437 |
| Net loans and leases to deposits | 94.1951% | 882 |
| Net loans and leases to core deposits | 119.6683% | 555 |
| Total domestic deposits to total assets | 87.0200% | 1,889 |
| Equity capital to assets | 8.1014% | 2,982 |
| Core capital (leverage) ratio | 10.1227% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $211,935,000 | 2,904 |
| Average earning assets | $206,807,250 | 2,830 |
| Average equity | $15,310,500 | 3,223 |
| Average total loans | $168,732,500 | 2,532 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5239% | 802 |
| Cost of funding earning assets | 1.9574% | 544 |
| Net interest margin | 3.5665% | 2,110 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 3.2123% | 780 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.4098% | 3,989 |
| Return on assets (ROA) | 0.4098% | 3,994 |
| Pretax return on assets | 0.4636% | 4,024 |
| Return on Equity (ROE) | 5.9100% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.9125% | 2,655 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.4549% | 477 |
| Assets per employee ($millions) | 5.8227% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 1,628 |
| Loan loss allowance to noncurrent loans | 1,160.4878% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 2,870 |
| Noncurrent loans to loans | 0.1184% | 2,885 |
| Net loans and leases to total assets | 79.2900% | 702 |
| Net loans and leases to deposits | 89.5360% | 1,220 |
| Net loans and leases to core deposits | 110.9354% | 790 |
| Total domestic deposits to total assets | 88.5500% | 1,398 |
| Equity capital to assets | 6.7541% | 3,897 |
| Core capital (leverage) ratio | 8.7243% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $211,810,333 | 2,921 |
| Average earning assets | $206,195,000 | 2,850 |
| Average equity | $14,680,667 | 3,301 |
| Average total loans | $166,184,000 | 2,553 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5300% | 591 |
| Cost of funding earning assets | 1.7389% | 506 |
| Net interest margin | 3.7911% | 1,706 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 3.2101% | 784 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5176% | 3,856 |
| Return on assets (ROA) | 0.5176% | 3,815 |
| Pretax return on assets | 0.5937% | 3,852 |
| Return on Equity (ROE) | 7.2700% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.2710% | 2,428 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.3922% | 575 |
| Assets per employee ($millions) | 5.7978% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 2,778 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 75.5800% | 1,013 |
| Net loans and leases to deposits | 85.6029% | 1,387 |
| Net loans and leases to core deposits | 109.8061% | 708 |
| Total domestic deposits to total assets | 88.3000% | 1,817 |
| Equity capital to assets | 7.0884% | 3,787 |
| Core capital (leverage) ratio | 9.1357% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $210,213,000 | 2,971 |
| Average earning assets | $204,266,500 | 2,906 |
| Average equity | $14,963,500 | 3,307 |
| Average total loans | $162,679,000 | 2,604 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6524% | 558 |
| Cost of funding earning assets | 0.6848% | 627 |
| Net interest margin | 3.9676% | 830 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 3.4748% | 504 |
| Loan and lease loss provision to assets | -0.1300% | 4,576 |
| Net operating income to assets | 0.6156% | 3,843 |
| Return on assets (ROA) | 0.6156% | 3,791 |
| Pretax return on assets | 0.6668% | 3,917 |
| Return on Equity (ROE) | 7.6300% | 3,479 |
| Retained earnings to average equity (ytd only) | 5.0006% | 3,051 |
| Net charge-offs to loans | 0.0315% | 1,441 |
| Credit loss provision to net charge-offs | -555.5556% | 4,635 |
| Earnings coverage of net charge-offs (x) | 23.1333% | 1,825 |
| Efficiency ratio | 86.6006% | 403 |
| Assets per employee ($millions) | 5.4186% | 3,296 |
| Cash dividends to net income (ytd only)* | 34.4799% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 3,176 |
| Loan loss allowance to noncurrent loans | 391.7840% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 2,131 |
| Noncurrent loans to loans | 0.2641% | 2,211 |
| Net loans and leases to total assets | 77.5300% | 844 |
| Net loans and leases to deposits | 88.4137% | 1,146 |
| Net loans and leases to core deposits | 112.2955% | 541 |
| Total domestic deposits to total assets | 87.6900% | 2,184 |
| Equity capital to assets | 7.1493% | 3,584 |
| Core capital (leverage) ratio | 9.7165% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $193,620,000 | 3,076 |
| Average earning assets | $189,409,200 | 3,003 |
| Average equity | $15,618,200 | 3,316 |
| Average total loans | $143,025,600 | 2,697 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 583 |
| Cost of funding earning assets | 0.5322% | 630 |
| Net interest margin | 3.8690% | 850 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 3.4209% | 515 |
| Loan and lease loss provision to assets | -0.1700% | 4,653 |
| Net operating income to assets | 0.5983% | 3,838 |
| Return on assets (ROA) | 0.5983% | 3,799 |
| Pretax return on assets | 0.6675% | 3,861 |
| Return on Equity (ROE) | 7.2000% | 3,548 |
| Retained earnings to average equity (ytd only) | 5.8659% | 2,798 |
| Net charge-offs to loans | 0.0424% | 1,069 |
| Credit loss provision to net charge-offs | -568.1818% | 4,703 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,827 |
| Efficiency ratio | 87.4128% | 405 |
| Assets per employee ($millions) | 5.4349% | 3,289 |
| Cash dividends to net income (ytd only)* | 18.4795% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 2,914 |
| Loan loss allowance to noncurrent loans | 722.9437% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 2,786 |
| Noncurrent loans to loans | 0.1552% | 2,834 |
| Net loans and leases to total assets | 75.2200% | 995 |
| Net loans and leases to deposits | 86.1028% | 1,164 |
| Net loans and leases to core deposits | 111.6453% | 419 |
| Total domestic deposits to total assets | 87.3600% | 2,638 |
| Equity capital to assets | 7.1968% | 3,408 |
| Core capital (leverage) ratio | 9.5944% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $190,548,250 | 3,121 |
| Average earning assets | $186,400,000 | 3,046 |
| Average equity | $15,842,500 | 3,333 |
| Average total loans | $138,453,250 | 2,744 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 598 |
| Cost of funding earning assets | 0.4177% | 823 |
| Net interest margin | 3.8092% | 740 |
| Noninterest income to average assets | 0.1281% | 4,360 |
| Noninterest expense to average assets | 3.3827% | 488 |
| Loan and lease loss provision to assets | -0.2648% | 4,713 |
| Net operating income to assets | 0.6746% | 3,394 |
| Return on assets (ROA) | 0.6746% | 3,347 |
| Pretax return on assets | 0.7382% | 3,482 |
| Return on Equity (ROE) | 7.7543% | 3,088 |
| Retained earnings to average equity (ytd only) | 5.8309% | 2,391 |
| Net charge-offs to loans | 0.0652% | 766 |
| Credit loss provision to net charge-offs | -568.1818% | 3,409 |
| Earnings coverage of net charge-offs (x) | 10.1591% | 1,764 |
| Efficiency ratio | 87.7232% | 501 |
| Assets per employee ($millions) | 5.7371% | 2,989 |
| Cash dividends to net income (ytd only)* | 24.8038% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 2,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 74.4997% | 863 |
| Net loans and leases to deposits | 86.8514% | 919 |
| Net loans and leases to core deposits | 104.7408% | 484 |
| Total domestic deposits to total assets | 85.7783% | 3,306 |
| Equity capital to assets | 8.0592% | 3,077 |
| Core capital (leverage) ratio | 9.7224% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,845,667 | 3,170 |
| Average earning assets | $184,816,667 | 3,103 |
| Average equity | $16,429,667 | 3,366 |
| Average total loans | $134,990,333 | 2,799 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 638 |
| Cost of funding earning assets | 0.4021% | 856 |
| Net interest margin | 3.6991% | 753 |
| Noninterest income to average assets | 0.1145% | 4,433 |
| Noninterest expense to average assets | 3.3678% | 484 |
| Loan and lease loss provision to assets | -0.5302% | 4,763 |
| Net operating income to assets | 0.9056% | 2,256 |
| Return on assets (ROA) | 0.9056% | 2,256 |
| Pretax return on assets | 0.9056% | 2,757 |
| Return on Equity (ROE) | 10.0379% | 1,958 |
| Retained earnings to average equity (ytd only) | 10.0379% | 1,009 |
| Net charge-offs to loans | 0.1342% | 420 |
| Credit loss provision to net charge-offs | -568.1818% | 3,164 |
| Earnings coverage of net charge-offs (x) | 4.0227% | 1,638 |
| Efficiency ratio | 89.9717% | 545 |
| Assets per employee ($millions) | 5.5528% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 71.6553% | 867 |
| Net loans and leases to deposits | 84.4774% | 857 |
| Net loans and leases to core deposits | 99.5361% | 532 |
| Total domestic deposits to total assets | 84.8219% | 3,582 |
| Equity capital to assets | 8.8145% | 2,865 |
| Core capital (leverage) ratio | 10.0105% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,607,000 | 3,184 |
| Average earning assets | $185,017,500 | 3,108 |
| Average equity | $17,015,500 | 3,393 |
| Average total loans | $131,128,000 | 2,833 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5815% | 523 |
| Cost of funding earning assets | 0.5668% | 644 |
| Net interest margin | 4.0147% | 687 |
| Noninterest income to average assets | 0.1172% | 4,541 |
| Noninterest expense to average assets | 3.1721% | 756 |
| Loan and lease loss provision to assets | 0.1027% | 1,224 |
| Net operating income to assets | 0.7642% | 3,439 |
| Return on assets (ROA) | 0.7703% | 3,486 |
| Pretax return on assets | 0.7703% | 3,785 |
| Return on Equity (ROE) | 9.2185% | 2,820 |
| Retained earnings to average equity (ytd only) | 4.0676% | 3,196 |
| Net charge-offs to loans | 0.1376% | 675 |
| Credit loss provision to net charge-offs | 101.0929% | 1,782 |
| Earnings coverage of net charge-offs (x) | 8.5301% | 2,296 |
| Efficiency ratio | 78.5371% | 903 |
| Assets per employee ($millions) | 6.0616% | 2,704 |
| Cash dividends to net income (ytd only)* | 55.8760% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 1,485 |
| Loan loss allowance to noncurrent loans | 4,364.4444% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,893 |
| Noncurrent loans to loans | 0.0348% | 3,827 |
| Net loans and leases to total assets | 65.6380% | 1,517 |
| Net loans and leases to deposits | 77.9714% | 1,398 |
| Net loans and leases to core deposits | 94.1075% | 774 |
| Total domestic deposits to total assets | 84.1821% | 3,515 |
| Equity capital to assets | 9.2174% | 3,400 |
| Core capital (leverage) ratio | 9.4395% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,068,600 | 3,209 |
| Average earning assets | $175,902,000 | 3,124 |
| Average equity | $15,045,800 | 3,628 |
| Average total loans | $132,966,800 | 2,815 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 433 |
| Cost of funding earning assets | 0.5928% | 663 |
| Net interest margin | 4.1707% | 576 |
| Noninterest income to average assets | 0.1155% | 4,595 |
| Noninterest expense to average assets | 3.0570% | 883 |
| Loan and lease loss provision to assets | 0.1399% | 809 |
| Net operating income to assets | 0.9876% | 2,956 |
| Return on assets (ROA) | 0.9959% | 2,994 |
| Pretax return on assets | 0.9959% | 3,469 |
| Return on Equity (ROE) | 12.2659% | 1,951 |
| Retained earnings to average equity (ytd only) | 9.4761% | 1,500 |
| Net charge-offs to loans | 0.1822% | 472 |
| Credit loss provision to net charge-offs | 101.0929% | 1,567 |
| Earnings coverage of net charge-offs (x) | 8.1585% | 2,114 |
| Efficiency ratio | 73.0603% | 1,299 |
| Assets per employee ($millions) | 6.8060% | 2,012 |
| Cash dividends to net income (ytd only)* | 22.7445% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 1,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.3572% | 1,278 |
| Net loans and leases to deposits | 84.5803% | 925 |
| Net loans and leases to core deposits | 99.4853% | 608 |
| Total domestic deposits to total assets | 80.8193% | 4,119 |
| Equity capital to assets | 9.3411% | 3,515 |
| Core capital (leverage) ratio | 10.1012% | 2,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,593,250 | 3,271 |
| Average earning assets | $172,277,750 | 3,193 |
| Average equity | $14,337,500 | 3,748 |
| Average total loans | $133,888,000 | 2,835 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1108% | 291 |
| Cost of funding earning assets | 0.6175% | 678 |
| Net interest margin | 4.4933% | 356 |
| Noninterest income to average assets | 0.1143% | 4,630 |
| Noninterest expense to average assets | 3.1379% | 797 |
| Loan and lease loss provision to assets | 0.2181% | 489 |
| Net operating income to assets | 1.1328% | 2,425 |
| Return on assets (ROA) | 1.1458% | 2,443 |
| Pretax return on assets | 1.1458% | 3,073 |
| Return on Equity (ROE) | 14.9873% | 1,162 |
| Retained earnings to average equity (ytd only) | 14.9873% | 431 |
| Net charge-offs to loans | 0.2784% | 315 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 6.1946% | 1,969 |
| Efficiency ratio | 69.9055% | 1,652 |
| Assets per employee ($millions) | 6.5144% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 1,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.5197% | 1,260 |
| Net loans and leases to deposits | 84.8581% | 998 |
| Net loans and leases to core deposits | 94.6299% | 875 |
| Total domestic deposits to total assets | 81.9246% | 3,942 |
| Equity capital to assets | 7.3963% | 4,768 |
| Core capital (leverage) ratio | 8.8530% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,666,000 | 3,344 |
| Average earning assets | $165,179,333 | 3,266 |
| Average equity | $12,971,000 | 3,895 |
| Average total loans | $132,889,333 | 2,863 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 876 |
| Cost of funding earning assets | 0.6337% | 751 |
| Net interest margin | 3.7922% | 1,156 |
| Noninterest income to average assets | 0.1078% | 4,648 |
| Noninterest expense to average assets | 2.9639% | 1,046 |
| Loan and lease loss provision to assets | 0.2156% | 548 |
| Net operating income to assets | 0.6222% | 3,885 |
| Return on assets (ROA) | 0.6222% | 3,954 |
| Pretax return on assets | 0.6222% | 4,162 |
| Return on Equity (ROE) | 7.9931% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.9931% | 2,238 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9639% | 955 |
| Assets per employee ($millions) | 5.6954% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,641 |
| Loan loss allowance to noncurrent loans | 12,812.5000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 4,319 |
| Noncurrent loans to loans | 0.0116% | 4,252 |
| Net loans and leases to total assets | 82.0297% | 228 |
| Net loans and leases to deposits | 100.3251% | 278 |
| Net loans and leases to core deposits | 110.1611% | 403 |
| Total domestic deposits to total assets | 81.7639% | 3,938 |
| Equity capital to assets | 7.7697% | 4,605 |
| Core capital (leverage) ratio | 9.3408% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,297,500 | 3,399 |
| Average earning assets | $159,062,000 | 3,313 |
| Average equity | $12,711,000 | 3,928 |
| Average total loans | $134,949,500 | 2,837 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7111% | 133 |
| Cost of funding earning assets | 0.9481% | 721 |
| Net interest margin | 4.7629% | 184 |
| Noninterest income to average assets | 0.2413% | 4,048 |
| Noninterest expense to average assets | 3.4292% | 761 |
| Loan and lease loss provision to assets | 0.6682% | 260 |
| Net operating income to assets | 0.7405% | 3,297 |
| Return on assets (ROA) | 0.7405% | 3,420 |
| Pretax return on assets | 0.7405% | 3,788 |
| Return on Equity (ROE) | 8.8935% | 2,441 |
| Retained earnings to average equity (ytd only) | 8.8935% | 797 |
| Net charge-offs to loans | 0.0430% | 2,198 |
| Credit loss provision to net charge-offs | 1,884.3137% | 460 |
| Earnings coverage of net charge-offs (x) | 39.7255% | 1,395 |
| Efficiency ratio | 70.8824% | 1,829 |
| Assets per employee ($millions) | 6.4571% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 1,647 |
| Loan loss allowance to noncurrent loans | 12,262.5000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 4,385 |
| Noncurrent loans to loans | 0.0121% | 4,327 |
| Net loans and leases to total assets | 80.7797% | 378 |
| Net loans and leases to deposits | 99.5694% | 391 |
| Net loans and leases to core deposits | 109.8974% | 513 |
| Total domestic deposits to total assets | 81.1290% | 3,846 |
| Equity capital to assets | 7.7985% | 4,773 |
| Core capital (leverage) ratio | 9.4734% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,824,400 | 3,473 |
| Average earning assets | $138,800,600 | 3,395 |
| Average equity | $11,975,000 | 3,980 |
| Average total loans | $118,634,200 | 2,995 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8290% | 139 |
| Cost of funding earning assets | 0.9909% | 786 |
| Net interest margin | 4.8381% | 189 |
| Noninterest income to average assets | 0.1454% | 4,579 |
| Noninterest expense to average assets | 3.3384% | 857 |
| Loan and lease loss provision to assets | 0.8693% | 194 |
| Net operating income to assets | 0.5881% | 3,803 |
| Return on assets (ROA) | 0.5881% | 3,906 |
| Pretax return on assets | 0.5881% | 4,120 |
| Return on Equity (ROE) | 6.9363% | 3,224 |
| Retained earnings to average equity (ytd only) | 6.9363% | 1,727 |
| Net charge-offs to loans | -0.0382% | 4,604 |
| Credit loss provision to net charge-offs | -2,754.5455% | 4,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6112% | 1,944 |
| Assets per employee ($millions) | 5.6565% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,396 |
| Loan loss allowance to noncurrent loans | 1,055.0265% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 3,807 |
| Noncurrent loans to loans | 0.1416% | 3,817 |
| Net loans and leases to total assets | 86.0724% | 151 |
| Net loans and leases to deposits | 108.3334% | 263 |
| Net loans and leases to core deposits | 117.3779% | 470 |
| Total domestic deposits to total assets | 79.4514% | 3,975 |
| Equity capital to assets | 7.9528% | 4,731 |
| Core capital (leverage) ratio | 8.0282% | 4,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,423,500 | 3,509 |
| Average earning assets | $134,015,750 | 3,448 |
| Average equity | $11,821,500 | 4,001 |
| Average total loans | $115,202,000 | 3,039 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1956% | 116 |
| Cost of funding earning assets | 1.0699% | 794 |
| Net interest margin | 5.1257% | 158 |
| Noninterest income to average assets | 0.1556% | 4,517 |
| Noninterest expense to average assets | 3.2506% | 1,074 |
| Loan and lease loss provision to assets | 1.2312% | 133 |
| Net operating income to assets | 0.5926% | 3,767 |
| Return on assets (ROA) | 0.5926% | 3,845 |
| Pretax return on assets | 0.5926% | 4,075 |
| Return on Equity (ROE) | 6.8298% | 3,195 |
| Retained earnings to average equity (ytd only) | 6.8298% | 1,728 |
| Net charge-offs to loans | -0.0605% | 4,729 |
| Credit loss provision to net charge-offs | -2,518.1818% | 3,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0584% | 2,816 |
| Assets per employee ($millions) | 6.4483% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 1,279 |
| Loan loss allowance to noncurrent loans | 1,013.7566% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 3,966 |
| Noncurrent loans to loans | 0.1475% | 3,863 |
| Net loans and leases to total assets | 75.2882% | 1,234 |
| Net loans and leases to deposits | 103.0265% | 414 |
| Net loans and leases to core deposits | 109.9616% | 743 |
| Total domestic deposits to total assets | 73.0766% | 4,647 |
| Equity capital to assets | 7.1199% | 4,954 |
| Core capital (leverage) ratio | 8.4948% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1739% | 2,535 |
| Memoranda: | ||
| Average total assets | $134,989,333 | 3,547 |
| Average earning assets | $129,544,333 | 3,481 |
| Average equity | $11,713,333 | 4,019 |
| Average total loans | $109,119,667 | 3,114 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9646% | 1,035 |
| Cost of funding earning assets | 1.2580% | 635 |
| Net interest margin | 3.7066% | 2,302 |
| Noninterest income to average assets | 0.6102% | 2,001 |
| Noninterest expense to average assets | 3.4318% | 1,029 |
| Loan and lease loss provision to assets | 0.1787% | 1,666 |
| Net operating income to assets | 0.5259% | 3,825 |
| Return on assets (ROA) | 0.5259% | 3,881 |
| Pretax return on assets | 0.5259% | 4,078 |
| Return on Equity (ROE) | 5.3786% | 3,515 |
| Retained earnings to average equity (ytd only) | 5.3786% | 2,126 |
| Net charge-offs to loans | -0.1325% | 4,881 |
| Credit loss provision to net charge-offs | -160.6061% | 3,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9666% | 905 |
| Assets per employee ($millions) | 4.6415% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 3,243 |
| Loan loss allowance to noncurrent loans | 711.2500% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 3,978 |
| Noncurrent loans to loans | 0.1538% | 3,909 |
| Net loans and leases to total assets | 85.2906% | 182 |
| Net loans and leases to deposits | 118.1860% | 94 |
| Net loans and leases to core deposits | 128.4051% | 293 |
| Total domestic deposits to total assets | 72.1664% | 4,760 |
| Equity capital to assets | 9.6985% | 4,043 |
| Core capital (leverage) ratio | 10.0638% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,655,500 | 3,724 |
| Average earning assets | $112,879,000 | 3,667 |
| Average equity | $11,601,500 | 4,049 |
| Average total loans | $99,608,500 | 3,231 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2361% | 920 |
| Cost of funding earning assets | 1.6163% | 278 |
| Net interest margin | 3.6198% | 3,078 |
| Noninterest income to average assets | 0.4831% | 2,839 |
| Noninterest expense to average assets | 3.1919% | 1,541 |
| Loan and lease loss provision to assets | 0.2650% | 682 |
| Net operating income to assets | 0.5187% | 4,365 |
| Return on assets (ROA) | 0.5187% | 4,413 |
| Pretax return on assets | 0.5187% | 4,539 |
| Return on Equity (ROE) | 5.6523% | 4,020 |
| Retained earnings to average equity (ytd only) | 3.4444% | 3,284 |
| Net charge-offs to loans | 0.1707% | 1,182 |
| Credit loss provision to net charge-offs | 183.7079% | 1,436 |
| Earnings coverage of net charge-offs (x) | 5.4326% | 3,089 |
| Efficiency ratio | 80.2854% | 917 |
| Assets per employee ($millions) | 4.6653% | 2,997 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 2,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 80.6804% | 706 |
| Net loans and leases to deposits | 107.8658% | 225 |
| Net loans and leases to core deposits | 113.9874% | 671 |
| Total domestic deposits to total assets | 74.7970% | 4,717 |
| Equity capital to assets | 9.8591% | 4,048 |
| Core capital (leverage) ratio | 9.5920% | 3,970 |
| Tier 1 risk-based capital ratio | 12.4491% | 4,109 |
| Total risk-based capital ratio | 13.5880% | 4,032 |
| Memoranda: | ||
| Average total assets | $123,373,600 | 3,650 |
| Average earning assets | $119,038,600 | 3,571 |
| Average equity | $11,322,800 | 4,076 |
| Average total loans | $104,271,400 | 3,167 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1762% | 1,089 |
| Cost of funding earning assets | 1.6415% | 254 |
| Net interest margin | 3.5347% | 3,455 |
| Noninterest income to average assets | 0.4616% | 2,952 |
| Noninterest expense to average assets | 3.1718% | 1,523 |
| Loan and lease loss provision to assets | 0.2612% | 604 |
| Net operating income to assets | 0.4424% | 4,636 |
| Return on assets (ROA) | 0.4424% | 4,671 |
| Pretax return on assets | 0.4424% | 4,757 |
| Return on Equity (ROE) | 4.9059% | 4,350 |
| Retained earnings to average equity (ytd only) | 4.9059% | 2,935 |
| Net charge-offs to loans | -0.0050% | 4,202 |
| Credit loss provision to net charge-offs | -6,125.0000% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8432% | 767 |
| Assets per employee ($millions) | 5.6730% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 2,859 |
| Loan loss allowance to noncurrent loans | 33.7237% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 2.6180% | 245 |
| Noncurrent loans to loans | 3.3610% | 257 |
| Net loans and leases to total assets | 77.0103% | 1,314 |
| Net loans and leases to deposits | 101.0275% | 560 |
| Net loans and leases to core deposits | 106.0003% | 1,185 |
| Total domestic deposits to total assets | 76.2270% | 4,618 |
| Equity capital to assets | 8.8320% | 4,862 |
| Core capital (leverage) ratio | 8.9232% | 4,690 |
| Tier 1 risk-based capital ratio | 11.6439% | 4,593 |
| Total risk-based capital ratio | 12.8079% | 4,540 |
| Memoranda: | ||
| Average total assets | $125,058,750 | 3,664 |
| Average earning assets | $120,781,250 | 3,594 |
| Average equity | $11,278,750 | 4,123 |
| Average total loans | $106,551,250 | 3,172 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2749% | 855 |
| Cost of funding earning assets | 1.6347% | 240 |
| Net interest margin | 3.6402% | 3,133 |
| Noninterest income to average assets | 0.3862% | 3,359 |
| Noninterest expense to average assets | 3.1983% | 1,509 |
| Loan and lease loss provision to assets | 0.2661% | 569 |
| Net operating income to assets | 0.4414% | 4,654 |
| Return on assets (ROA) | 0.4414% | 4,682 |
| Pretax return on assets | 0.4414% | 4,772 |
| Return on Equity (ROE) | 4.8584% | 4,375 |
| Retained earnings to average equity (ytd only) | 4.8584% | 2,835 |
| Net charge-offs to loans | -0.0074% | 4,234 |
| Credit loss provision to net charge-offs | -4,100.0000% | 4,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8862% | 809 |
| Assets per employee ($millions) | 5.6977% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,613 |
| Loan loss allowance to noncurrent loans | 29.6923% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 2.8776% | 219 |
| Noncurrent loans to loans | 3.3698% | 263 |
| Net loans and leases to total assets | 84.5384% | 322 |
| Net loans and leases to deposits | 110.9183% | 205 |
| Net loans and leases to core deposits | 116.6149% | 660 |
| Total domestic deposits to total assets | 76.2168% | 4,644 |
| Equity capital to assets | 9.0779% | 4,752 |
| Core capital (leverage) ratio | 9.1247% | 4,528 |
| Tier 1 risk-based capital ratio | 10.7660% | 5,006 |
| Total risk-based capital ratio | 11.7790% | 5,010 |
| Memoranda: | ||
| Average total assets | $123,251,670 | 3,708 |
| Average earning assets | $119,168,330 | 3,633 |
| Average equity | $11,197,000 | 4,145 |
| Average total loans | $108,190,000 | 3,166 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2160% | 881 |
| Cost of funding earning assets | 1.5844% | 242 |
| Net interest margin | 3.6316% | 3,127 |
| Noninterest income to average assets | 0.2946% | 3,909 |
| Noninterest expense to average assets | 3.4074% | 1,101 |
| Loan and lease loss provision to assets | 0.2684% | 519 |
| Net operating income to assets | 0.1375% | 5,065 |
| Return on assets (ROA) | 0.1375% | 5,072 |
| Pretax return on assets | 0.1375% | 5,079 |
| Return on Equity (ROE) | 1.5127% | 5,025 |
| Retained earnings to average equity (ytd only) | 1.5127% | 4,197 |
| Net charge-offs to loans | -0.0074% | 4,122 |
| Credit loss provision to net charge-offs | -4,100.0000% | 4,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3562% | 420 |
| Assets per employee ($millions) | 5.2089% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 4,118 |
| Loan loss allowance to noncurrent loans | 27.3635% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 2.8853% | 220 |
| Noncurrent loans to loans | 3.3179% | 290 |
| Net loans and leases to total assets | 86.1710% | 178 |
| Net loans and leases to deposits | 113.3005% | 156 |
| Net loans and leases to core deposits | 120.0091% | 530 |
| Total domestic deposits to total assets | 76.0553% | 4,754 |
| Equity capital to assets | 8.9087% | 4,745 |
| Core capital (leverage) ratio | 9.1628% | 4,508 |
| Tier 1 risk-based capital ratio | 10.7740% | 5,078 |
| Total risk-based capital ratio | 11.7276% | 5,089 |
| Memoranda: | ||
| Average total assets | $122,203,000 | 3,764 |
| Average earning assets | $118,406,000 | 3,676 |
| Average equity | $11,106,000 | 4,176 |
| Average total loans | $108,765,500 | 3,185 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6371% | 308 |
| Cost of funding earning assets | 0.9967% | 764 |
| Net interest margin | 4.6404% | 555 |
| Noninterest income to average assets | 0.4807% | 2,942 |
| Noninterest expense to average assets | 3.9731% | 556 |
| Loan and lease loss provision to assets | 0.9613% | 91 |
| Net operating income to assets | 0.0261% | 5,221 |
| Return on assets (ROA) | 0.0261% | 5,216 |
| Pretax return on assets | 0.0261% | 5,216 |
| Return on Equity (ROE) | 0.2502% | 5,213 |
| Retained earnings to average equity (ytd only) | -0.4201% | 5,032 |
| Net charge-offs to loans | 1.1498% | 118 |
| Credit loss provision to net charge-offs | 94.4088% | 2,656 |
| Earnings coverage of net charge-offs (x) | 0.9698% | 3,663 |
| Efficiency ratio | 80.0941% | 952 |
| Assets per employee ($millions) | 4.7757% | 2,778 |
| Cash dividends to net income (ytd only)* | 267.8571% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 4,435 |
| Loan loss allowance to noncurrent loans | 47.5263% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.5914% | 712 |
| Noncurrent loans to loans | 1.7460% | 821 |
| Net loans and leases to total assets | 90.3872% | 59 |
| Net loans and leases to deposits | 124.1327% | 69 |
| Net loans and leases to core deposits | 132.2160% | 283 |
| Total domestic deposits to total assets | 72.8150% | 5,017 |
| Equity capital to assets | 9.2761% | 4,343 |
| Core capital (leverage) ratio | 9.6170% | 3,987 |
| Tier 1 risk-based capital ratio | 10.6585% | 5,121 |
| Total risk-based capital ratio | 11.5248% | 5,166 |
| Memoranda: | ||
| Average total assets | $107,145,800 | 3,985 |
| Average earning assets | $103,438,800 | 3,924 |
| Average equity | $11,189,000 | 4,134 |
| Average total loans | $94,885,400 | 3,389 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6779% | 267 |
| Cost of funding earning assets | 0.9280% | 811 |
| Net interest margin | 4.7499% | 420 |
| Noninterest income to average assets | 0.5431% | 2,603 |
| Noninterest expense to average assets | 4.0492% | 496 |
| Loan and lease loss provision to assets | 0.7686% | 121 |
| Net operating income to assets | 0.3087% | 5,089 |
| Return on assets (ROA) | 0.3087% | 5,084 |
| Pretax return on assets | 0.3087% | 5,129 |
| Return on Equity (ROE) | 2.8645% | 5,020 |
| Retained earnings to average equity (ytd only) | 2.8645% | 4,288 |
| Net charge-offs to loans | 0.5353% | 281 |
| Credit loss provision to net charge-offs | 163.4877% | 1,615 |
| Earnings coverage of net charge-offs (x) | 2.2916% | 3,256 |
| Efficiency ratio | 78.9855% | 1,030 |
| Assets per employee ($millions) | 4.4465% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,579 |
| Loan loss allowance to noncurrent loans | 39.6226% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 2.7177% | 298 |
| Noncurrent loans to loans | 3.0509% | 355 |
| Net loans and leases to total assets | 88.0004% | 143 |
| Net loans and leases to deposits | 113.3234% | 202 |
| Net loans and leases to core deposits | 120.1712% | 568 |
| Total domestic deposits to total assets | 77.6542% | 4,538 |
| Equity capital to assets | 10.2076% | 3,442 |
| Core capital (leverage) ratio | 10.2853% | 3,307 |
| Tier 1 risk-based capital ratio | 11.7230% | 4,651 |
| Total risk-based capital ratio | 12.9541% | 4,553 |
| Memoranda: | ||
| Average total assets | $104,084,000 | 4,075 |
| Average earning assets | $100,433,750 | 4,009 |
| Average equity | $11,217,500 | 4,169 |
| Average total loans | $91,402,000 | 3,472 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3817% | 404 |
| Cost of funding earning assets | 0.8503% | 916 |
| Net interest margin | 4.5314% | 650 |
| Noninterest income to average assets | 0.5230% | 2,730 |
| Noninterest expense to average assets | 4.1111% | 466 |
| Loan and lease loss provision to assets | 0.7275% | 135 |
| Net operating income to assets | 0.0747% | 5,309 |
| Return on assets (ROA) | 0.0747% | 5,301 |
| Pretax return on assets | 0.0747% | 5,302 |
| Return on Equity (ROE) | 0.6801% | 5,295 |
| Retained earnings to average equity (ytd only) | 0.6801% | 4,827 |
| Net charge-offs to loans | 0.3894% | 405 |
| Credit loss provision to net charge-offs | 213.8728% | 1,248 |
| Earnings coverage of net charge-offs (x) | 2.3584% | 2,980 |
| Efficiency ratio | 83.6735% | 708 |
| Assets per employee ($millions) | 4.3824% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,662 |
| Loan loss allowance to noncurrent loans | 27.6626% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 3.8307% | 151 |
| Noncurrent loans to loans | 4.3699% | 185 |
| Net loans and leases to total assets | 86.6020% | 219 |
| Net loans and leases to deposits | 113.2419% | 211 |
| Net loans and leases to core deposits | 120.7073% | 550 |
| Total domestic deposits to total assets | 76.4752% | 4,802 |
| Equity capital to assets | 10.1724% | 3,462 |
| Core capital (leverage) ratio | 10.9021% | 2,610 |
| Tier 1 risk-based capital ratio | 11.9115% | 4,556 |
| Total risk-based capital ratio | 13.1468% | 4,443 |
| Memoranda: | ||
| Average total assets | $101,724,670 | 4,149 |
| Average earning assets | $98,556,670 | 4,075 |
| Average equity | $11,174,330 | 4,209 |
| Average total loans | $88,862,670 | 3,545 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3729% | 353 |
| Cost of funding earning assets | 0.8049% | 929 |
| Net interest margin | 4.5681% | 537 |
| Noninterest income to average assets | 0.4417% | 3,168 |
| Noninterest expense to average assets | 3.8975% | 592 |
| Loan and lease loss provision to assets | 0.4090% | 271 |
| Net operating income to assets | 0.5685% | 4,522 |
| Return on assets (ROA) | 0.5685% | 4,524 |
| Pretax return on assets | 0.5685% | 4,756 |
| Return on Equity (ROE) | 4.9692% | 4,505 |
| Retained earnings to average equity (ytd only) | 4.9692% | 3,193 |
| Net charge-offs to loans | -0.0141% | 4,394 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9497% | 1,141 |
| Assets per employee ($millions) | 4.0661% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 2,630 |
| Loan loss allowance to noncurrent loans | 257.3494% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 3,132 |
| Noncurrent loans to loans | 0.4780% | 3,086 |
| Net loans and leases to total assets | 87.8753% | 142 |
| Net loans and leases to deposits | 117.6033% | 139 |
| Net loans and leases to core deposits | 118.7120% | 625 |
| Total domestic deposits to total assets | 74.7218% | 5,086 |
| Equity capital to assets | 11.5252% | 2,111 |
| Core capital (leverage) ratio | 11.4347% | 2,062 |
| Tier 1 risk-based capital ratio | 13.9941% | 3,383 |
| Total risk-based capital ratio | 15.2441% | 3,299 |
| Memoranda: | ||
| Average total assets | $97,806,500 | 4,250 |
| Average earning assets | $94,920,000 | 4,174 |
| Average equity | $11,189,000 | 4,248 |
| Average total loans | $85,272,500 | 3,646 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3350% | 345 |
| Cost of funding earning assets | 0.5396% | 2,036 |
| Net interest margin | 4.7955% | 356 |
| Noninterest income to average assets | 0.6430% | 2,238 |
| Noninterest expense to average assets | 3.7308% | 757 |
| Loan and lease loss provision to assets | -0.0900% | 5,466 |
| Net operating income to assets | 1.6480% | 587 |
| Return on assets (ROA) | 1.6480% | 604 |
| Pretax return on assets | 1.6480% | 1,164 |
| Return on Equity (ROE) | 14.9791% | 612 |
| Retained earnings to average equity (ytd only) | 5.7895% | 1,661 |
| Net charge-offs to loans | -0.0272% | 5,036 |
| Credit loss provision to net charge-offs | 386.9565% | 783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5410% | 2,463 |
| Assets per employee ($millions) | 4.4558% | 3,260 |
| Cash dividends to net income (ytd only)* | 61.3497% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 3,049 |
| Loan loss allowance to noncurrent loans | 535.5556% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 4,210 |
| Noncurrent loans to loans | 0.2150% | 4,050 |
| Net loans and leases to total assets | 84.4247% | 406 |
| Net loans and leases to deposits | 114.9383% | 164 |
| Net loans and leases to core deposits | 116.5226% | 703 |
| Total domestic deposits to total assets | 73.4522% | 5,231 |
| Equity capital to assets | 11.3550% | 2,323 |
| Core capital (leverage) ratio | 11.1111% | 2,239 |
| Tier 1 risk-based capital ratio | 13.9842% | 3,370 |
| Total risk-based capital ratio | 15.1925% | 3,301 |
| Memoranda: | ||
| Average total assets | $98,906,200 | 4,257 |
| Average earning assets | $95,819,200 | 4,163 |
| Average equity | $10,881,800 | 4,322 |
| Average total loans | $84,503,600 | 3,646 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2130% | 410 |
| Cost of funding earning assets | 0.5071% | 2,206 |
| Net interest margin | 4.7058% | 404 |
| Noninterest income to average assets | 0.6873% | 2,051 |
| Noninterest expense to average assets | 3.5765% | 897 |
| Loan and lease loss provision to assets | -0.1601% | 5,634 |
| Net operating income to assets | 1.8266% | 445 |
| Return on assets (ROA) | 1.8266% | 455 |
| Pretax return on assets | 1.8266% | 832 |
| Return on Equity (ROE) | 16.7348% | 459 |
| Retained earnings to average equity (ytd only) | 7.4925% | 1,434 |
| Net charge-offs to loans | -0.0299% | 4,996 |
| Credit loss provision to net charge-offs | 626.3158% | 524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2145% | 2,840 |
| Assets per employee ($millions) | 4.4584% | 3,228 |
| Cash dividends to net income (ytd only)* | 55.2286% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 3,451 |
| Loan loss allowance to noncurrent loans | 516.6667% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 4,373 |
| Noncurrent loans to loans | 0.2141% | 4,210 |
| Net loans and leases to total assets | 84.7805% | 358 |
| Net loans and leases to deposits | 116.1849% | 153 |
| Net loans and leases to core deposits | 117.7961% | 664 |
| Total domestic deposits to total assets | 72.9704% | 5,314 |
| Equity capital to assets | 11.3381% | 2,537 |
| Core capital (leverage) ratio | 11.3095% | 2,177 |
| Tier 1 risk-based capital ratio | 15.6979% | 2,630 |
| Total risk-based capital ratio | 16.9484% | 2,572 |
| Memoranda: | ||
| Average total assets | $99,126,000 | 4,295 |
| Average earning assets | $95,963,500 | 4,206 |
| Average equity | $10,819,500 | 4,378 |
| Average total loans | $84,698,750 | 3,669 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2782% | 346 |
| Cost of funding earning assets | 0.4946% | 2,212 |
| Net interest margin | 4.7836% | 333 |
| Noninterest income to average assets | 0.5891% | 2,518 |
| Noninterest expense to average assets | 3.2471% | 1,484 |
| Loan and lease loss provision to assets | 0.0603% | 2,759 |
| Net operating income to assets | 1.9101% | 365 |
| Return on assets (ROA) | 1.9101% | 375 |
| Pretax return on assets | 1.9101% | 633 |
| Return on Equity (ROE) | 17.7255% | 353 |
| Retained earnings to average equity (ytd only) | 8.3963% | 1,035 |
| Net charge-offs to loans | 0.0047% | 3,314 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 490.0000% | 172 |
| Efficiency ratio | 62.2351% | 3,948 |
| Assets per employee ($millions) | 4.7673% | 2,694 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,569 |
| Loan loss allowance to noncurrent loans | 281.3830% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 3,612 |
| Noncurrent loans to loans | 0.4516% | 3,396 |
| Net loans and leases to total assets | 82.1062% | 652 |
| Net loans and leases to deposits | 109.6367% | 270 |
| Net loans and leases to core deposits | 110.6342% | 973 |
| Total domestic deposits to total assets | 74.8894% | 5,213 |
| Equity capital to assets | 10.9496% | 2,862 |
| Core capital (leverage) ratio | 10.9927% | 2,412 |
| Tier 1 risk-based capital ratio | 15.5791% | 2,673 |
| Total risk-based capital ratio | 16.8322% | 2,604 |
| Memoranda: | ||
| Average total assets | $99,473,000 | 4,320 |
| Average earning assets | $96,245,330 | 4,228 |
| Average equity | $10,719,000 | 4,404 |
| Average total loans | $84,902,670 | 3,678 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1291% | 425 |
| Cost of funding earning assets | 0.4883% | 2,179 |
| Net interest margin | 4.6408% | 415 |
| Noninterest income to average assets | 0.5527% | 2,648 |
| Noninterest expense to average assets | 3.3201% | 1,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7186% | 532 |
| Return on assets (ROA) | 1.7186% | 543 |
| Pretax return on assets | 1.7186% | 968 |
| Return on Equity (ROE) | 16.0793% | 518 |
| Retained earnings to average equity (ytd only) | 6.6431% | 2,007 |
| Net charge-offs to loans | 0.0420% | 1,986 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 935 |
| Efficiency ratio | 65.8927% | 3,518 |
| Assets per employee ($millions) | 4.7779% | 2,735 |
| Cash dividends to net income (ytd only)* | 58.6854% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 3,306 |
| Loan loss allowance to noncurrent loans | 159.5313% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 2,726 |
| Noncurrent loans to loans | 0.7333% | 2,666 |
| Net loans and leases to total assets | 85.9721% | 225 |
| Net loans and leases to deposits | 114.9304% | 137 |
| Net loans and leases to core deposits | 115.9718% | 595 |
| Total domestic deposits to total assets | 74.8037% | 5,349 |
| Equity capital to assets | 10.6512% | 3,013 |
| Core capital (leverage) ratio | 10.6992% | 2,689 |
| Tier 1 risk-based capital ratio | 14.7307% | 3,099 |
| Total risk-based capital ratio | 15.9823% | 3,023 |
| Memoranda: | ||
| Average total assets | $99,153,000 | 4,365 |
| Average earning assets | $95,846,000 | 4,276 |
| Average equity | $10,597,500 | 4,450 |
| Average total loans | $85,725,500 | 3,694 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3081% | 349 |
| Cost of funding earning assets | 0.4350% | 2,657 |
| Net interest margin | 4.8730% | 304 |
| Noninterest income to average assets | 0.4669% | 3,434 |
| Noninterest expense to average assets | 3.4210% | 1,309 |
| Loan and lease loss provision to assets | 0.1410% | 1,771 |
| Net operating income to assets | 1.6086% | 665 |
| Return on assets (ROA) | 1.6086% | 690 |
| Pretax return on assets | 1.6086% | 1,254 |
| Return on Equity (ROE) | 14.9317% | 635 |
| Retained earnings to average equity (ytd only) | 4.7510% | 2,508 |
| Net charge-offs to loans | 0.1334% | 1,909 |
| Credit loss provision to net charge-offs | 123.8532% | 2,159 |
| Earnings coverage of net charge-offs (x) | 15.3670% | 2,207 |
| Efficiency ratio | 66.1616% | 3,570 |
| Assets per employee ($millions) | 4.6652% | 2,853 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 2,979 |
| Loan loss allowance to noncurrent loans | 139.9457% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.1003% | 1,694 |
| Noncurrent loans to loans | 0.8744% | 2,351 |
| Net loans and leases to total assets | 84.8617% | 314 |
| Net loans and leases to deposits | 110.9748% | 204 |
| Net loans and leases to core deposits | 112.7232% | 744 |
| Total domestic deposits to total assets | 76.4693% | 5,183 |
| Equity capital to assets | 10.7257% | 2,894 |
| Core capital (leverage) ratio | 10.7219% | 2,628 |
| Tier 1 risk-based capital ratio | 15.3762% | 2,801 |
| Total risk-based capital ratio | 16.6294% | 2,733 |
| Memoranda: | ||
| Average total assets | $95,733,600 | 4,436 |
| Average earning assets | $92,406,200 | 4,342 |
| Average equity | $10,313,600 | 4,518 |
| Average total loans | $81,680,400 | 3,769 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3458% | 337 |
| Cost of funding earning assets | 0.4225% | 2,815 |
| Net interest margin | 4.9233% | 292 |
| Noninterest income to average assets | 0.3993% | 3,927 |
| Noninterest expense to average assets | 3.4840% | 1,177 |
| Loan and lease loss provision to assets | 0.1891% | 1,153 |
| Net operating income to assets | 1.4766% | 919 |
| Return on assets (ROA) | 1.4766% | 964 |
| Pretax return on assets | 1.4766% | 1,783 |
| Return on Equity (ROE) | 13.6902% | 883 |
| Retained earnings to average equity (ytd only) | 4.5981% | 3,084 |
| Net charge-offs to loans | 0.1283% | 1,677 |
| Credit loss provision to net charge-offs | 173.0769% | 1,612 |
| Earnings coverage of net charge-offs (x) | 15.2432% | 2,192 |
| Efficiency ratio | 67.6551% | 3,288 |
| Assets per employee ($millions) | 4.9850% | 2,382 |
| Cash dividends to net income (ytd only)* | 66.4136% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 2,530 |
| Loan loss allowance to noncurrent loans | 284.4504% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.9940% | 2,086 |
| Noncurrent loans to loans | 0.4676% | 3,613 |
| Net loans and leases to total assets | 78.9398% | 1,047 |
| Net loans and leases to deposits | 102.1520% | 555 |
| Net loans and leases to core deposits | 105.5467% | 1,226 |
| Total domestic deposits to total assets | 77.2768% | 5,034 |
| Equity capital to assets | 10.4243% | 3,643 |
| Core capital (leverage) ratio | 10.5116% | 2,985 |
| Tier 1 risk-based capital ratio | 15.1037% | 2,997 |
| Total risk-based capital ratio | 16.3568% | 2,932 |
| Memoranda: | ||
| Average total assets | $95,174,500 | 4,477 |
| Average earning assets | $91,833,500 | 4,385 |
| Average equity | $10,265,000 | 4,573 |
| Average total loans | $81,058,250 | 3,802 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3811% | 308 |
| Cost of funding earning assets | 0.4185% | 2,847 |
| Net interest margin | 4.9625% | 274 |
| Noninterest income to average assets | 0.5466% | 2,920 |
| Noninterest expense to average assets | 3.5146% | 1,143 |
| Loan and lease loss provision to assets | 0.1922% | 1,124 |
| Net operating income to assets | 1.6249% | 680 |
| Return on assets (ROA) | 1.6249% | 724 |
| Pretax return on assets | 1.6249% | 1,292 |
| Return on Equity (ROE) | 14.8890% | 687 |
| Retained earnings to average equity (ytd only) | 8.0412% | 1,158 |
| Net charge-offs to loans | 0.2160% | 1,082 |
| Credit loss provision to net charge-offs | 102.2727% | 2,063 |
| Earnings coverage of net charge-offs (x) | 9.6705% | 2,395 |
| Efficiency ratio | 65.9191% | 3,692 |
| Assets per employee ($millions) | 4.3674% | 3,274 |
| Cash dividends to net income (ytd only)* | 45.9921% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 3,267 |
| Loan loss allowance to noncurrent loans | 185.9519% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 1.2094% | 1,715 |
| Noncurrent loans to loans | 0.6537% | 3,117 |
| Net loans and leases to total assets | 85.0816% | 322 |
| Net loans and leases to deposits | 111.0599% | 227 |
| Net loans and leases to core deposits | 114.9290% | 683 |
| Total domestic deposits to total assets | 76.6088% | 5,205 |
| Equity capital to assets | 10.8781% | 3,197 |
| Core capital (leverage) ratio | 11.2526% | 2,191 |
| Tier 1 risk-based capital ratio | 15.1600% | 3,001 |
| Total risk-based capital ratio | 16.4123% | 2,935 |
| Memoranda: | ||
| Average total assets | $93,666,000 | 4,540 |
| Average earning assets | $90,316,670 | 4,452 |
| Average equity | $10,222,330 | 4,606 |
| Average total loans | $81,489,670 | 3,809 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1998% | 419 |
| Cost of funding earning assets | 0.4162% | 2,889 |
| Net interest margin | 4.7836% | 369 |
| Noninterest income to average assets | 0.6057% | 2,496 |
| Noninterest expense to average assets | 3.5692% | 1,067 |
| Loan and lease loss provision to assets | 0.1947% | 1,019 |
| Net operating income to assets | 1.4666% | 911 |
| Return on assets (ROA) | 1.4666% | 955 |
| Pretax return on assets | 1.4666% | 1,694 |
| Return on Equity (ROE) | 13.4158% | 941 |
| Retained earnings to average equity (ytd only) | 6.4902% | 2,138 |
| Net charge-offs to loans | -0.0198% | 4,848 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2382% | 3,420 |
| Assets per employee ($millions) | 4.2410% | 3,512 |
| Cash dividends to net income (ytd only)* | 51.6224% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 2,825 |
| Loan loss allowance to noncurrent loans | 180.3082% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 1.4930% | 1,366 |
| Noncurrent loans to loans | 0.7301% | 3,012 |
| Net loans and leases to total assets | 84.6068% | 317 |
| Net loans and leases to deposits | 107.7577% | 289 |
| Net loans and leases to core deposits | 111.5304% | 781 |
| Total domestic deposits to total assets | 78.5158% | 5,056 |
| Equity capital to assets | 10.9259% | 3,026 |
| Core capital (leverage) ratio | 11.0304% | 2,379 |
| Tier 1 risk-based capital ratio | 15.1189% | 3,099 |
| Total risk-based capital ratio | 16.3727% | 3,035 |
| Memoranda: | ||
| Average total assets | $92,457,500 | 4,609 |
| Average earning assets | $89,388,000 | 4,514 |
| Average equity | $10,107,500 | 4,643 |
| Average total loans | $80,857,000 | 3,836 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3566% | 341 |
| Cost of funding earning assets | 0.3577% | 3,617 |
| Net interest margin | 4.9989% | 257 |
| Noninterest income to average assets | 0.7056% | 2,175 |
| Noninterest expense to average assets | 3.4505% | 1,383 |
| Loan and lease loss provision to assets | 0.1140% | 2,102 |
| Net operating income to assets | 1.9356% | 387 |
| Return on assets (ROA) | 1.9356% | 397 |
| Pretax return on assets | 1.9356% | 620 |
| Return on Equity (ROE) | 17.6156% | 408 |
| Retained earnings to average equity (ytd only) | 7.6562% | 1,041 |
| Net charge-offs to loans | 0.2296% | 1,297 |
| Credit loss provision to net charge-offs | 56.4972% | 3,303 |
| Earnings coverage of net charge-offs (x) | 10.1582% | 2,724 |
| Efficiency ratio | 62.7358% | 4,488 |
| Assets per employee ($millions) | 4.3626% | 3,285 |
| Cash dividends to net income (ytd only)* | 56.5371% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 3,303 |
| Loan loss allowance to noncurrent loans | 169.0236% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 1.5314% | 1,313 |
| Noncurrent loans to loans | 0.7269% | 3,003 |
| Net loans and leases to total assets | 88.1066% | 118 |
| Net loans and leases to deposits | 110.8916% | 222 |
| Net loans and leases to core deposits | 114.7981% | 647 |
| Total domestic deposits to total assets | 79.4529% | 4,877 |
| Equity capital to assets | 10.9383% | 2,886 |
| Core capital (leverage) ratio | 11.1568% | 2,259 |
| Tier 1 risk-based capital ratio | 15.0127% | 3,174 |
| Total risk-based capital ratio | 16.2663% | 3,103 |
| Memoranda: | ||
| Average total assets | $87,725,200 | 4,716 |
| Average earning assets | $84,139,200 | 4,626 |
| Average equity | $9,639,200 | 4,721 |
| Average total loans | $77,099,800 | 3,905 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3289% | 357 |
| Cost of funding earning assets | 0.3527% | 3,727 |
| Net interest margin | 4.9762% | 272 |
| Noninterest income to average assets | 0.7592% | 1,984 |
| Noninterest expense to average assets | 3.5195% | 1,253 |
| Loan and lease loss provision to assets | 0.1537% | 1,415 |
| Net operating income to assets | 1.8566% | 458 |
| Return on assets (ROA) | 1.8566% | 481 |
| Pretax return on assets | 1.8566% | 790 |
| Return on Equity (ROE) | 16.8763% | 479 |
| Retained earnings to average equity (ytd only) | 6.8176% | 1,779 |
| Net charge-offs to loans | -0.0755% | 5,684 |
| Credit loss provision to net charge-offs | -232.5581% | 5,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6465% | 4,311 |
| Assets per employee ($millions) | 4.4022% | 3,168 |
| Cash dividends to net income (ytd only)* | 59.6028% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 1,876 |
| Loan loss allowance to noncurrent loans | 132.6111% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 2.2091% | 858 |
| Noncurrent loans to loans | 1.1860% | 2,154 |
| Net loans and leases to total assets | 87.0041% | 181 |
| Net loans and leases to deposits | 113.3771% | 181 |
| Net loans and leases to core deposits | 116.6542% | 563 |
| Total domestic deposits to total assets | 76.7386% | 5,389 |
| Equity capital to assets | 11.1093% | 2,896 |
| Core capital (leverage) ratio | 11.2728% | 2,222 |
| Tier 1 risk-based capital ratio | 15.8580% | 2,865 |
| Total risk-based capital ratio | 17.1172% | 2,800 |
| Memoranda: | ||
| Average total assets | $86,753,000 | 4,792 |
| Average earning assets | $83,166,500 | 4,712 |
| Average equity | $9,543,750 | 4,797 |
| Average total loans | $75,944,250 | 3,978 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2628% | 386 |
| Cost of funding earning assets | 0.3563% | 3,741 |
| Net interest margin | 4.9065% | 296 |
| Noninterest income to average assets | 0.6719% | 2,344 |
| Noninterest expense to average assets | 3.4962% | 1,301 |
| Loan and lease loss provision to assets | 0.2317% | 794 |
| Net operating income to assets | 1.6658% | 665 |
| Return on assets (ROA) | 1.6658% | 691 |
| Pretax return on assets | 1.6658% | 1,154 |
| Return on Equity (ROE) | 15.1933% | 712 |
| Retained earnings to average equity (ytd only) | 5.0504% | 2,830 |
| Net charge-offs to loans | -0.1036% | 5,806 |
| Credit loss provision to net charge-offs | -256.4103% | 5,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8196% | 4,223 |
| Assets per employee ($millions) | 4.3098% | 3,288 |
| Cash dividends to net income (ytd only)* | 66.7594% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 1,855 |
| Loan loss allowance to noncurrent loans | 120.3156% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.9897% | 1,113 |
| Noncurrent loans to loans | 1.3441% | 2,001 |
| Net loans and leases to total assets | 86.1061% | 236 |
| Net loans and leases to deposits | 110.2168% | 256 |
| Net loans and leases to core deposits | 114.1460% | 660 |
| Total domestic deposits to total assets | 78.1243% | 5,259 |
| Equity capital to assets | 11.0597% | 2,828 |
| Core capital (leverage) ratio | 10.9935% | 2,423 |
| Tier 1 risk-based capital ratio | 16.1164% | 2,800 |
| Total risk-based capital ratio | 17.3769% | 2,748 |
| Memoranda: | ||
| Average total assets | $86,323,000 | 4,851 |
| Average earning assets | $83,073,000 | 4,760 |
| Average equity | $9,464,670 | 4,846 |
| Average total loans | $75,317,330 | 4,021 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1703% | 425 |
| Cost of funding earning assets | 0.3511% | 3,848 |
| Net interest margin | 4.8192% | 336 |
| Noninterest income to average assets | 0.4353% | 3,727 |
| Noninterest expense to average assets | 3.4496% | 1,408 |
| Loan and lease loss provision to assets | 0.2778% | 551 |
| Net operating income to assets | 1.3474% | 1,143 |
| Return on assets (ROA) | 1.3474% | 1,211 |
| Pretax return on assets | 1.3474% | 2,086 |
| Return on Equity (ROE) | 12.3429% | 1,260 |
| Retained earnings to average equity (ytd only) | 12.3429% | 525 |
| Net charge-offs to loans | -0.0159% | 4,941 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9745% | 3,829 |
| Assets per employee ($millions) | 4.3294% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 2,305 |
| Loan loss allowance to noncurrent loans | 71.5895% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 2.7545% | 726 |
| Noncurrent loans to loans | 2.1420% | 1,193 |
| Net loans and leases to total assets | 84.8384% | 261 |
| Net loans and leases to deposits | 108.3210% | 249 |
| Net loans and leases to core deposits | 112.1563% | 644 |
| Total domestic deposits to total assets | 78.3212% | 5,387 |
| Equity capital to assets | 11.0709% | 2,895 |
| Core capital (leverage) ratio | 11.1249% | 2,289 |
| Tier 1 risk-based capital ratio | 16.4305% | 2,719 |
| Total risk-based capital ratio | 17.6899% | 2,651 |
| Memoranda: | ||
| Average total assets | $86,386,500 | 4,894 |
| Average earning assets | $83,167,000 | 4,795 |
| Average equity | $9,430,500 | 4,888 |
| Average total loans | $75,256,000 | 4,043 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6258% | 262 |
| Cost of funding earning assets | 0.3475% | 4,280 |
| Net interest margin | 5.2782% | 188 |
| Noninterest income to average assets | -0.0623% | 6,438 |
| Noninterest expense to average assets | 3.2226% | 2,155 |
| Loan and lease loss provision to assets | 0.0839% | 2,804 |
| Net operating income to assets | 1.5837% | 730 |
| Return on assets (ROA) | 1.5837% | 765 |
| Pretax return on assets | 1.5837% | 1,286 |
| Return on Equity (ROE) | 14.2377% | 893 |
| Retained earnings to average equity (ytd only) | 2.1879% | 4,686 |
| Net charge-offs to loans | 0.2988% | 1,473 |
| Credit loss provision to net charge-offs | 33.1754% | 3,790 |
| Earnings coverage of net charge-offs (x) | 6.5924% | 3,172 |
| Efficiency ratio | 65.8985% | 4,267 |
| Assets per employee ($millions) | 4.3093% | 3,350 |
| Cash dividends to net income (ytd only)* | 84.6329% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 2,825 |
| Loan loss allowance to noncurrent loans | 136.4899% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 1.8588% | 1,392 |
| Noncurrent loans to loans | 1.0434% | 2,735 |
| Net loans and leases to total assets | 86.8215% | 161 |
| Net loans and leases to deposits | 110.6907% | 220 |
| Net loans and leases to core deposits | 114.6210% | 575 |
| Total domestic deposits to total assets | 78.4362% | 5,360 |
| Equity capital to assets | 10.7616% | 3,168 |
| Core capital (leverage) ratio | 10.7674% | 2,654 |
| Tier 1 risk-based capital ratio | 14.2511% | 3,931 |
| Total risk-based capital ratio | 15.5064% | 3,857 |
| Memoranda: | ||
| Average total assets | $83,412,200 | 4,975 |
| Average earning assets | $78,265,000 | 4,917 |
| Average equity | $9,278,200 | 4,906 |
| Average total loans | $70,626,400 | 4,162 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5832% | 281 |
| Cost of funding earning assets | 0.3460% | 4,380 |
| Net interest margin | 5.2371% | 192 |
| Noninterest income to average assets | 0.0500% | 6,385 |
| Noninterest expense to average assets | 3.2882% | 1,929 |
| Loan and lease loss provision to assets | 0.1934% | 1,245 |
| Net operating income to assets | 1.4474% | 1,030 |
| Return on assets (ROA) | 1.4474% | 1,069 |
| Pretax return on assets | 1.4474% | 1,817 |
| Return on Equity (ROE) | 12.9033% | 1,238 |
| Retained earnings to average equity (ytd only) | 7.5150% | 1,575 |
| Net charge-offs to loans | 0.1828% | 1,998 |
| Credit loss provision to net charge-offs | 126.3158% | 1,823 |
| Earnings coverage of net charge-offs (x) | 10.7161% | 2,513 |
| Efficiency ratio | 66.7103% | 4,095 |
| Assets per employee ($millions) | 4.8283% | 2,481 |
| Cash dividends to net income (ytd only)* | 41.7598% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7625% | 1,786 |
| Loan loss allowance to noncurrent loans | 150.4222% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 3.5221% | 607 |
| Noncurrent loans to loans | 1.1717% | 2,719 |
| Net loans and leases to total assets | 79.9722% | 715 |
| Net loans and leases to deposits | 100.8957% | 564 |
| Net loans and leases to core deposits | 103.2427% | 1,141 |
| Total domestic deposits to total assets | 79.2622% | 5,269 |
| Equity capital to assets | 11.0368% | 2,915 |
| Core capital (leverage) ratio | 10.8994% | 2,580 |
| Tier 1 risk-based capital ratio | 15.4164% | 3,361 |
| Total risk-based capital ratio | 16.6763% | 3,294 |
| Memoranda: | ||
| Average total assets | $82,718,750 | 5,051 |
| Average earning assets | $77,063,000 | 5,006 |
| Average equity | $9,279,000 | 4,950 |
| Average total loans | $69,305,750 | 4,238 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6045% | 259 |
| Cost of funding earning assets | 0.3450% | 4,480 |
| Net interest margin | 5.2595% | 178 |
| Noninterest income to average assets | 0.0369% | 6,474 |
| Noninterest expense to average assets | 3.3349% | 1,829 |
| Loan and lease loss provision to assets | 0.2951% | 672 |
| Net operating income to assets | 1.2813% | 1,364 |
| Return on assets (ROA) | 1.2813% | 1,417 |
| Pretax return on assets | 1.2813% | 2,330 |
| Return on Equity (ROE) | 11.3574% | 1,615 |
| Retained earnings to average equity (ytd only) | 5.9076% | 2,374 |
| Net charge-offs to loans | 0.3226% | 1,259 |
| Credit loss provision to net charge-offs | 108.1081% | 1,852 |
| Earnings coverage of net charge-offs (x) | 5.7748% | 2,871 |
| Efficiency ratio | 67.9019% | 4,025 |
| Assets per employee ($millions) | 4.9132% | 2,324 |
| Cash dividends to net income (ytd only)* | 47.9846% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 2,279 |
| Loan loss allowance to noncurrent loans | 119.9805% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 3.9135% | 561 |
| Noncurrent loans to loans | 1.3786% | 2,503 |
| Net loans and leases to total assets | 82.7642% | 395 |
| Net loans and leases to deposits | 104.2872% | 351 |
| Net loans and leases to core deposits | 107.0509% | 828 |
| Total domestic deposits to total assets | 79.3618% | 5,370 |
| Equity capital to assets | 10.5622% | 3,364 |
| Core capital (leverage) ratio | 11.4122% | 2,076 |
| Tier 1 risk-based capital ratio | 14.3226% | 4,051 |
| Total risk-based capital ratio | 15.5798% | 3,977 |
| Memoranda: | ||
| Average total assets | $81,322,000 | 5,129 |
| Average earning assets | $75,368,000 | 5,097 |
| Average equity | $9,174,670 | 4,990 |
| Average total loans | $68,824,330 | 4,275 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7532% | 201 |
| Cost of funding earning assets | 0.3453% | 4,585 |
| Net interest margin | 5.4079% | 142 |
| Noninterest income to average assets | -0.1697% | 6,679 |
| Noninterest expense to average assets | 3.4926% | 1,501 |
| Loan and lease loss provision to assets | 0.3086% | 616 |
| Net operating income to assets | 1.0236% | 2,111 |
| Return on assets (ROA) | 1.0236% | 2,182 |
| Pretax return on assets | 1.0236% | 3,234 |
| Return on Equity (ROE) | 8.7554% | 2,570 |
| Retained earnings to average equity (ytd only) | 3.2558% | 4,165 |
| Net charge-offs to loans | 0.1999% | 1,538 |
| Credit loss provision to net charge-offs | 181.8182% | 1,115 |
| Earnings coverage of net charge-offs (x) | 7.8485% | 2,083 |
| Efficiency ratio | 72.3881% | 3,416 |
| Assets per employee ($millions) | 4.4589% | 3,045 |
| Cash dividends to net income (ytd only)* | 62.8141% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8553% | 1,883 |
| Loan loss allowance to noncurrent loans | 113.3394% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 4.9626% | 411 |
| Noncurrent loans to loans | 1.6369% | 2,378 |
| Net loans and leases to total assets | 82.3227% | 333 |
| Net loans and leases to deposits | 102.9977% | 328 |
| Net loans and leases to core deposits | 105.7625% | 768 |
| Total domestic deposits to total assets | 79.9267% | 5,500 |
| Equity capital to assets | 11.3791% | 2,352 |
| Core capital (leverage) ratio | 11.8297% | 1,747 |
| Tier 1 risk-based capital ratio | 14.9782% | 3,722 |
| Total risk-based capital ratio | 16.2378% | 3,666 |
| Memoranda: | ||
| Average total assets | $77,764,000 | 5,260 |
| Average earning assets | $71,820,500 | 5,232 |
| Average equity | $9,091,500 | 5,026 |
| Average total loans | $66,023,500 | 4,387 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8614% | 210 |
| Cost of funding earning assets | 0.3696% | 4,960 |
| Net interest margin | 5.4917% | 140 |
| Noninterest income to average assets | -0.0579% | 6,701 |
| Noninterest expense to average assets | 3.3770% | 1,931 |
| Loan and lease loss provision to assets | 0.3776% | 813 |
| Net operating income to assets | 1.2738% | 1,320 |
| Return on assets (ROA) | 1.2738% | 1,377 |
| Pretax return on assets | 1.2738% | 2,253 |
| Return on Equity (ROE) | 11.4286% | 1,623 |
| Retained earnings to average equity (ytd only) | 5.7820% | 2,112 |
| Net charge-offs to loans | 0.7534% | 844 |
| Credit loss provision to net charge-offs | 59.2885% | 3,586 |
| Earnings coverage of net charge-offs (x) | 2.5929% | 4,137 |
| Efficiency ratio | 67.1589% | 4,345 |
| Assets per employee ($millions) | 4.1815% | 3,484 |
| Cash dividends to net income (ytd only)* | 49.4071% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8880% | 1,809 |
| Loan loss allowance to noncurrent loans | 91.2621% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 5.7462% | 348 |
| Noncurrent loans to loans | 2.0688% | 1,916 |
| Net loans and leases to total assets | 84.3703% | 229 |
| Net loans and leases to deposits | 104.6109% | 304 |
| Net loans and leases to core deposits | 107.5775% | 716 |
| Total domestic deposits to total assets | 80.6515% | 5,282 |
| Equity capital to assets | 12.0239% | 1,784 |
| Core capital (leverage) ratio | 10.9181% | 2,461 |
| Tier 1 risk-based capital ratio | 15.3263% | 3,467 |
| Total risk-based capital ratio | 16.5869% | 3,414 |
| Memoranda: | ||
| Average total assets | $79,449,600 | 5,250 |
| Average earning assets | $73,583,400 | 5,206 |
| Average equity | $8,855,000 | 5,123 |
| Average total loans | $67,166,400 | 4,369 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8189% | 231 |
| Cost of funding earning assets | 0.3791% | 5,010 |
| Net interest margin | 5.4398% | 148 |
| Noninterest income to average assets | -0.0795% | 6,802 |
| Noninterest expense to average assets | 3.3045% | 2,072 |
| Loan and lease loss provision to assets | 0.4969% | 552 |
| Net operating income to assets | 1.1578% | 1,781 |
| Return on assets (ROA) | 1.1578% | 1,849 |
| Pretax return on assets | 1.1578% | 2,855 |
| Return on Equity (ROE) | 10.5832% | 1,968 |
| Retained earnings to average equity (ytd only) | 6.7980% | 1,974 |
| Net charge-offs to loans | 0.8990% | 645 |
| Credit loss provision to net charge-offs | 65.6455% | 3,165 |
| Earnings coverage of net charge-offs (x) | 2.1860% | 4,111 |
| Efficiency ratio | 66.6333% | 4,366 |
| Assets per employee ($millions) | 4.9929% | 2,172 |
| Cash dividends to net income (ytd only)* | 35.7658% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9433% | 1,874 |
| Loan loss allowance to noncurrent loans | 107.4387% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 5.5604% | 467 |
| Noncurrent loans to loans | 1.8087% | 2,485 |
| Net loans and leases to total assets | 80.2819% | 516 |
| Net loans and leases to deposits | 99.3294% | 498 |
| Net loans and leases to core deposits | 101.9699% | 993 |
| Total domestic deposits to total assets | 80.8239% | 5,261 |
| Equity capital to assets | 11.2623% | 2,502 |
| Core capital (leverage) ratio | 11.1761% | 2,323 |
| Tier 1 risk-based capital ratio | 15.0609% | 3,714 |
| Total risk-based capital ratio | 16.3215% | 3,657 |
| Memoranda: | ||
| Average total assets | $80,495,250 | 5,277 |
| Average earning assets | $74,559,250 | 5,231 |
| Average equity | $8,806,250 | 5,188 |
| Average total loans | $67,776,750 | 4,379 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8388% | 226 |
| Cost of funding earning assets | 0.3960% | 4,982 |
| Net interest margin | 5.4427% | 145 |
| Noninterest income to average assets | 0.0570% | 6,650 |
| Noninterest expense to average assets | 3.3012% | 2,068 |
| Loan and lease loss provision to assets | 0.7435% | 294 |
| Net operating income to assets | 1.0533% | 2,103 |
| Return on assets (ROA) | 1.0533% | 2,222 |
| Pretax return on assets | 1.0533% | 3,282 |
| Return on Equity (ROE) | 9.7224% | 2,307 |
| Retained earnings to average equity (ytd only) | 6.8629% | 1,952 |
| Net charge-offs to loans | 0.3879% | 1,667 |
| Credit loss provision to net charge-offs | 225.5639% | 1,089 |
| Earnings coverage of net charge-offs (x) | 5.4511% | 2,892 |
| Efficiency ratio | 64.7545% | 4,745 |
| Assets per employee ($millions) | 4.5172% | 2,797 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3959% | 1,097 |
| Loan loss allowance to noncurrent loans | 106.8319% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 6.1727% | 433 |
| Noncurrent loans to loans | 2.2427% | 2,126 |
| Net loans and leases to total assets | 79.9149% | 546 |
| Net loans and leases to deposits | 102.4502% | 315 |
| Net loans and leases to core deposits | 104.3790% | 827 |
| Total domestic deposits to total assets | 78.0037% | 5,983 |
| Equity capital to assets | 10.8684% | 2,875 |
| Core capital (leverage) ratio | 10.9517% | 2,408 |
| Tier 1 risk-based capital ratio | 14.4048% | 4,158 |
| Total risk-based capital ratio | 15.6713% | 4,109 |
| Memoranda: | ||
| Average total assets | $80,698,330 | 5,302 |
| Average earning assets | $74,742,000 | 5,256 |
| Average equity | $8,742,670 | 5,234 |
| Average total loans | $68,567,330 | 4,367 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9861% | 171 |
| Cost of funding earning assets | 0.4145% | 4,968 |
| Net interest margin | 5.5716% | 114 |
| Noninterest income to average assets | -0.0398% | 6,893 |
| Noninterest expense to average assets | 3.3038% | 2,079 |
| Loan and lease loss provision to assets | 0.7463% | 310 |
| Net operating income to assets | 1.0598% | 1,995 |
| Return on assets (ROA) | 1.0598% | 2,111 |
| Pretax return on assets | 1.0598% | 3,108 |
| Return on Equity (ROE) | 9.7982% | 2,137 |
| Retained earnings to average equity (ytd only) | 9.7982% | 1,154 |
| Net charge-offs to loans | 0.7705% | 793 |
| Credit loss provision to net charge-offs | 111.9403% | 1,675 |
| Earnings coverage of net charge-offs (x) | 2.7090% | 2,963 |
| Efficiency ratio | 64.6543% | 4,894 |
| Assets per employee ($millions) | 4.4707% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1374% | 1,713 |
| Loan loss allowance to noncurrent loans | 117.3030% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 6.1151% | 521 |
| Noncurrent loans to loans | 1.8221% | 2,837 |
| Net loans and leases to total assets | 82.1592% | 274 |
| Net loans and leases to deposits | 102.0513% | 282 |
| Net loans and leases to core deposits | 104.9627% | 680 |
| Total domestic deposits to total assets | 80.5077% | 5,629 |
| Equity capital to assets | 10.9428% | 3,026 |
| Core capital (leverage) ratio | 10.9203% | 2,331 |
| Tier 1 risk-based capital ratio | 13.8615% | 4,606 |
| Total risk-based capital ratio | 15.1240% | 4,556 |
| Memoranda: | ||
| Average total assets | $80,393,000 | 5,353 |
| Average earning assets | $74,305,500 | 5,313 |
| Average equity | $8,695,500 | 5,303 |
| Average total loans | $69,564,500 | 4,356 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1169% | 227 |
| Cost of funding earning assets | 0.6704% | 3,740 |
| Net interest margin | 5.4465% | 183 |
| Noninterest income to average assets | -0.0012% | 6,836 |
| Noninterest expense to average assets | 3.3943% | 2,061 |
| Loan and lease loss provision to assets | 0.7836% | 624 |
| Net operating income to assets | 0.7362% | 3,575 |
| Return on assets (ROA) | 0.7362% | 3,819 |
| Pretax return on assets | 0.7362% | 4,537 |
| Return on Equity (ROE) | 7.3610% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.3610% | 1,393 |
| Net charge-offs to loans | 1.0163% | 1,066 |
| Credit loss provision to net charge-offs | 90.9732% | 3,432 |
| Earnings coverage of net charge-offs (x) | 1.7645% | 4,551 |
| Efficiency ratio | 69.0729% | 3,963 |
| Assets per employee ($millions) | 4.4618% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9953% | 2,026 |
| Loan loss allowance to noncurrent loans | 82.0218% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 6.7100% | 474 |
| Noncurrent loans to loans | 2.4326% | 2,184 |
| Net loans and leases to total assets | 87.3346% | 99 |
| Net loans and leases to deposits | 104.9402% | 242 |
| Net loans and leases to core deposits | 108.6716% | 582 |
| Total domestic deposits to total assets | 83.2231% | 4,631 |
| Equity capital to assets | 10.6894% | 3,295 |
| Core capital (leverage) ratio | 10.4845% | 2,784 |
| Tier 1 risk-based capital ratio | 13.0399% | 5,080 |
| Total risk-based capital ratio | 14.3009% | 5,014 |
| Memoranda: | ||
| Average total assets | $82,315,400 | 5,295 |
| Average earning assets | $74,286,400 | 5,305 |
| Average equity | $8,232,600 | 5,435 |
| Average total loans | $69,765,800 | 4,364 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0830% | 256 |
| Cost of funding earning assets | 0.7146% | 3,643 |
| Net interest margin | 5.3684% | 213 |
| Noninterest income to average assets | 0.1546% | 6,377 |
| Noninterest expense to average assets | 3.4099% | 1,980 |
| Loan and lease loss provision to assets | 0.9338% | 460 |
| Net operating income to assets | 0.6247% | 4,267 |
| Return on assets (ROA) | 0.6247% | 4,523 |
| Pretax return on assets | 0.6247% | 5,093 |
| Return on Equity (ROE) | 6.3518% | 4,138 |
| Retained earnings to average equity (ytd only) | 6.3518% | 2,456 |
| Net charge-offs to loans | 1.2907% | 734 |
| Credit loss provision to net charge-offs | 86.4382% | 3,417 |
| Earnings coverage of net charge-offs (x) | 1.4426% | 4,569 |
| Efficiency ratio | 68.6325% | 3,942 |
| Assets per employee ($millions) | 4.6293% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9901% | 2,194 |
| Loan loss allowance to noncurrent loans | 63.7398% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 7.9806% | 390 |
| Noncurrent loans to loans | 3.1222% | 1,781 |
| Net loans and leases to total assets | 82.8039% | 293 |
| Net loans and leases to deposits | 100.8610% | 403 |
| Net loans and leases to core deposits | 103.9502% | 872 |
| Total domestic deposits to total assets | 82.0970% | 4,981 |
| Equity capital to assets | 10.0508% | 4,423 |
| Core capital (leverage) ratio | 9.9999% | 3,542 |
| Tier 1 risk-based capital ratio | 12.5740% | 5,584 |
| Total risk-based capital ratio | 13.8352% | 5,539 |
| Memoranda: | ||
| Average total assets | $82,816,000 | 5,331 |
| Average earning assets | $74,260,250 | 5,361 |
| Average equity | $8,144,500 | 5,510 |
| Average total loans | $69,315,000 | 4,418 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1085% | 253 |
| Cost of funding earning assets | 0.7585% | 3,535 |
| Net interest margin | 5.3501% | 229 |
| Noninterest income to average assets | 0.0605% | 6,822 |
| Noninterest expense to average assets | 3.3904% | 2,054 |
| Loan and lease loss provision to assets | 1.0406% | 419 |
| Net operating income to assets | 0.3920% | 5,235 |
| Return on assets (ROA) | 0.3920% | 5,481 |
| Pretax return on assets | 0.3920% | 5,728 |
| Return on Equity (ROE) | 4.0160% | 5,255 |
| Retained earnings to average equity (ytd only) | 4.0160% | 3,936 |
| Net charge-offs to loans | 1.9520% | 438 |
| Credit loss provision to net charge-offs | 63.8930% | 3,710 |
| Earnings coverage of net charge-offs (x) | 0.8796% | 4,609 |
| Efficiency ratio | 70.2960% | 3,713 |
| Assets per employee ($millions) | 5.0271% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 2,886 |
| Loan loss allowance to noncurrent loans | 66.7557% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 6.9658% | 566 |
| Noncurrent loans to loans | 2.6806% | 2,242 |
| Net loans and leases to total assets | 80.2130% | 479 |
| Net loans and leases to deposits | 101.3948% | 364 |
| Net loans and leases to core deposits | 106.1573% | 734 |
| Total domestic deposits to total assets | 79.1095% | 5,942 |
| Equity capital to assets | 9.5483% | 4,992 |
| Core capital (leverage) ratio | 9.9089% | 3,556 |
| Tier 1 risk-based capital ratio | 12.2037% | 5,794 |
| Total risk-based capital ratio | 13.4617% | 5,767 |
| Memoranda: | ||
| Average total assets | $82,645,670 | 5,367 |
| Average earning assets | $73,569,330 | 5,414 |
| Average equity | $8,067,670 | 5,550 |
| Average total loans | $68,953,670 | 4,450 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0046% | 302 |
| Cost of funding earning assets | 0.7984% | 3,486 |
| Net interest margin | 5.2062% | 292 |
| Noninterest income to average assets | 0.2462% | 5,881 |
| Noninterest expense to average assets | 3.3580% | 2,119 |
| Loan and lease loss provision to assets | 1.2556% | 294 |
| Net operating income to assets | 0.3200% | 5,588 |
| Return on assets (ROA) | 0.3200% | 5,754 |
| Pretax return on assets | 0.3200% | 5,930 |
| Return on Equity (ROE) | 3.2413% | 5,617 |
| Retained earnings to average equity (ytd only) | 3.2413% | 4,624 |
| Net charge-offs to loans | 2.9009% | 254 |
| Credit loss provision to net charge-offs | 51.3078% | 3,260 |
| Earnings coverage of net charge-offs (x) | 0.6439% | 4,013 |
| Efficiency ratio | 68.0639% | 4,159 |
| Assets per employee ($millions) | 4.8169% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8865% | 2,721 |
| Loan loss allowance to noncurrent loans | 46.7464% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 8.0489% | 472 |
| Noncurrent loans to loans | 4.0357% | 1,511 |
| Net loans and leases to total assets | 79.3887% | 464 |
| Net loans and leases to deposits | 96.0294% | 535 |
| Net loans and leases to core deposits | 101.1026% | 921 |
| Total domestic deposits to total assets | 82.6712% | 5,053 |
| Equity capital to assets | 9.8379% | 4,321 |
| Core capital (leverage) ratio | 9.9159% | 3,477 |
| Tier 1 risk-based capital ratio | 13.0482% | 5,178 |
| Total risk-based capital ratio | 14.3073% | 5,136 |
| Memoranda: | ||
| Average total assets | $81,238,500 | 5,436 |
| Average earning assets | $73,144,000 | 5,464 |
| Average equity | $8,021,500 | 5,589 |
| Average total loans | $68,531,000 | 4,496 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0301% | 412 |
| Cost of funding earning assets | 0.9843% | 3,482 |
| Net interest margin | 5.0458% | 373 |
| Noninterest income to average assets | -0.2090% | 7,159 |
| Noninterest expense to average assets | 3.1809% | 2,934 |
| Loan and lease loss provision to assets | 1.6623% | 414 |
| Net operating income to assets | -0.4385% | 6,444 |
| Return on assets (ROA) | -0.3733% | 6,447 |
| Pretax return on assets | -0.3733% | 6,406 |
| Return on Equity (ROE) | -3.7368% | 6,457 |
| Retained earnings to average equity (ytd only) | -3.7368% | 6,349 |
| Net charge-offs to loans | 1.8357% | 795 |
| Credit loss provision to net charge-offs | 105.6025% | 3,238 |
| Earnings coverage of net charge-offs (x) | 0.7774% | 5,214 |
| Efficiency ratio | 72.2161% | 3,527 |
| Assets per employee ($millions) | 4.7406% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1073% | 1,983 |
| Loan loss allowance to noncurrent loans | 27.9925% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 8.5519% | 440 |
| Noncurrent loans to loans | 7.5279% | 558 |
| Net loans and leases to total assets | 86.0045% | 130 |
| Net loans and leases to deposits | 103.7636% | 314 |
| Net loans and leases to core deposits | 109.3233% | 644 |
| Total domestic deposits to total assets | 82.8850% | 4,794 |
| Equity capital to assets | 9.9107% | 4,290 |
| Core capital (leverage) ratio | 9.7112% | 3,732 |
| Tier 1 risk-based capital ratio | 12.8616% | 5,185 |
| Total risk-based capital ratio | 14.1256% | 5,151 |
| Memoranda: | ||
| Average total assets | $82,775,800 | 5,373 |
| Average earning assets | $75,687,000 | 5,353 |
| Average equity | $8,269,200 | 5,482 |
| Average total loans | $70,981,200 | 4,453 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0668% | 409 |
| Cost of funding earning assets | 1.0314% | 3,455 |
| Net interest margin | 5.0354% | 385 |
| Noninterest income to average assets | -0.2320% | 7,284 |
| Noninterest expense to average assets | 3.1507% | 2,994 |
| Loan and lease loss provision to assets | 1.2721% | 594 |
| Net operating income to assets | -0.0768% | 6,256 |
| Return on assets (ROA) | -0.0768% | 6,345 |
| Pretax return on assets | -0.0768% | 6,313 |
| Return on Equity (ROE) | -0.7674% | 6,347 |
| Retained earnings to average equity (ytd only) | -0.7674% | 6,112 |
| Net charge-offs to loans | 1.8359% | 722 |
| Credit loss provision to net charge-offs | 81.2883% | 4,102 |
| Earnings coverage of net charge-offs (x) | 0.7638% | 5,041 |
| Efficiency ratio | 72.4963% | 3,458 |
| Assets per employee ($millions) | 5.1551% | 1,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 3,135 |
| Loan loss allowance to noncurrent loans | 32.5434% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 6.5591% | 784 |
| Noncurrent loans to loans | 5.3469% | 1,127 |
| Net loans and leases to total assets | 84.6207% | 181 |
| Net loans and leases to deposits | 104.5367% | 298 |
| Net loans and leases to core deposits | 110.6643% | 647 |
| Total domestic deposits to total assets | 80.9483% | 5,455 |
| Equity capital to assets | 10.0847% | 4,228 |
| Core capital (leverage) ratio | 9.8030% | 3,703 |
| Tier 1 risk-based capital ratio | 12.9378% | 5,143 |
| Total risk-based capital ratio | 14.1960% | 5,105 |
| Memoranda: | ||
| Average total assets | $83,322,250 | 5,398 |
| Average earning assets | $75,755,000 | 5,392 |
| Average equity | $8,339,750 | 5,495 |
| Average total loans | $71,025,750 | 4,491 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0276% | 456 |
| Cost of funding earning assets | 1.0746% | 3,431 |
| Net interest margin | 4.9530% | 432 |
| Noninterest income to average assets | -0.2392% | 7,356 |
| Noninterest expense to average assets | 3.2009% | 2,895 |
| Loan and lease loss provision to assets | 1.3995% | 522 |
| Net operating income to assets | -0.3517% | 6,579 |
| Return on assets (ROA) | -0.3517% | 6,610 |
| Pretax return on assets | -0.3517% | 6,563 |
| Return on Equity (ROE) | -3.5222% | 6,624 |
| Retained earnings to average equity (ytd only) | -3.5222% | 6,423 |
| Net charge-offs to loans | 2.5879% | 436 |
| Credit loss provision to net charge-offs | 63.6561% | 4,250 |
| Earnings coverage of net charge-offs (x) | 0.4766% | 4,950 |
| Efficiency ratio | 75.3378% | 3,129 |
| Assets per employee ($millions) | 5.1696% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 3,928 |
| Loan loss allowance to noncurrent loans | 29.7179% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 7.2648% | 681 |
| Noncurrent loans to loans | 5.1927% | 1,245 |
| Net loans and leases to total assets | 83.6920% | 261 |
| Net loans and leases to deposits | 102.8527% | 351 |
| Net loans and leases to core deposits | 108.8307% | 765 |
| Total domestic deposits to total assets | 81.3707% | 5,393 |
| Equity capital to assets | 9.9403% | 4,235 |
| Core capital (leverage) ratio | 9.6096% | 3,796 |
| Tier 1 risk-based capital ratio | 12.4438% | 5,401 |
| Total risk-based capital ratio | 13.6992% | 5,374 |
| Memoranda: | ||
| Average total assets | $83,602,670 | 5,435 |
| Average earning assets | $75,752,000 | 5,442 |
| Average equity | $8,347,000 | 5,502 |
| Average total loans | $71,023,670 | 4,537 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9562% | 522 |
| Cost of funding earning assets | 1.1207% | 3,371 |
| Net interest margin | 4.8355% | 530 |
| Noninterest income to average assets | 0.3284% | 5,281 |
| Noninterest expense to average assets | 3.1697% | 2,992 |
| Loan and lease loss provision to assets | 0.8567% | 957 |
| Net operating income to assets | 0.6758% | 3,630 |
| Return on assets (ROA) | 0.6758% | 3,699 |
| Pretax return on assets | 0.6758% | 4,395 |
| Return on Equity (ROE) | 6.7543% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.7543% | 2,256 |
| Net charge-offs to loans | 0.7733% | 1,667 |
| Credit loss provision to net charge-offs | 130.4348% | 2,120 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,145 |
| Efficiency ratio | 67.4089% | 4,772 |
| Assets per employee ($millions) | 4.9979% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0460% | 2,300 |
| Loan loss allowance to noncurrent loans | 32.9425% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 8.4306% | 536 |
| Noncurrent loans to loans | 6.2110% | 1,002 |
| Net loans and leases to total assets | 82.3231% | 320 |
| Net loans and leases to deposits | 101.4372% | 407 |
| Net loans and leases to core deposits | 107.3237% | 878 |
| Total domestic deposits to total assets | 81.1567% | 5,617 |
| Equity capital to assets | 9.9772% | 3,804 |
| Core capital (leverage) ratio | 9.9407% | 3,210 |
| Tier 1 risk-based capital ratio | 12.6871% | 5,078 |
| Total risk-based capital ratio | 13.9487% | 5,043 |
| Memoranda: | ||
| Average total assets | $84,047,000 | 5,469 |
| Average earning assets | $76,021,500 | 5,472 |
| Average equity | $8,409,500 | 5,487 |
| Average total loans | $71,380,500 | 4,565 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0154% | 826 |
| Cost of funding earning assets | 1.4161% | 3,156 |
| Net interest margin | 4.5992% | 1,015 |
| Noninterest income to average assets | 0.2137% | 6,281 |
| Noninterest expense to average assets | 3.1340% | 3,329 |
| Loan and lease loss provision to assets | 0.6082% | 2,701 |
| Net operating income to assets | 0.6672% | 3,356 |
| Return on assets (ROA) | 0.6672% | 3,500 |
| Pretax return on assets | 0.6672% | 4,101 |
| Return on Equity (ROE) | 6.9335% | 3,153 |
| Retained earnings to average equity (ytd only) | 6.9335% | 1,350 |
| Net charge-offs to loans | 0.8688% | 2,456 |
| Credit loss provision to net charge-offs | 83.1987% | 5,426 |
| Earnings coverage of net charge-offs (x) | 1.7447% | 4,409 |
| Efficiency ratio | 71.0766% | 3,979 |
| Assets per employee ($millions) | 4.8900% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9886% | 2,335 |
| Loan loss allowance to noncurrent loans | 80.0790% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 5.9196% | 1,013 |
| Noncurrent loans to loans | 2.4834% | 3,043 |
| Net loans and leases to total assets | 84.1285% | 294 |
| Net loans and leases to deposits | 103.6181% | 417 |
| Net loans and leases to core deposits | 110.2831% | 904 |
| Total domestic deposits to total assets | 81.1909% | 5,456 |
| Equity capital to assets | 10.0349% | 3,704 |
| Core capital (leverage) ratio | 9.7334% | 3,392 |
| Tier 1 risk-based capital ratio | 12.4178% | 5,093 |
| Total risk-based capital ratio | 13.6783% | 5,069 |
| Memoranda: | ||
| Average total assets | $84,683,000 | 5,455 |
| Average earning assets | $77,251,800 | 5,439 |
| Average equity | $8,148,800 | 5,671 |
| Average total loans | $71,246,800 | 4,631 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9675% | 993 |
| Cost of funding earning assets | 1.4717% | 3,134 |
| Net interest margin | 4.4958% | 1,265 |
| Noninterest income to average assets | 0.2194% | 6,339 |
| Noninterest expense to average assets | 3.1063% | 3,308 |
| Loan and lease loss provision to assets | 0.4467% | 3,235 |
| Net operating income to assets | 0.7648% | 3,160 |
| Return on assets (ROA) | 0.7648% | 3,312 |
| Pretax return on assets | 0.7648% | 4,034 |
| Return on Equity (ROE) | 8.0322% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.0322% | 1,410 |
| Net charge-offs to loans | 0.2452% | 4,470 |
| Credit loss provision to net charge-offs | 217.5573% | 1,593 |
| Earnings coverage of net charge-offs (x) | 5.9008% | 2,649 |
| Efficiency ratio | 71.9419% | 3,711 |
| Assets per employee ($millions) | 5.0348% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3565% | 1,531 |
| Loan loss allowance to noncurrent loans | 67.0532% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 5.4305% | 1,147 |
| Noncurrent loans to loans | 3.5143% | 2,245 |
| Net loans and leases to total assets | 81.1873% | 598 |
| Net loans and leases to deposits | 98.9562% | 727 |
| Net loans and leases to core deposits | 105.0587% | 1,397 |
| Total domestic deposits to total assets | 82.0437% | 4,972 |
| Equity capital to assets | 9.7206% | 4,515 |
| Core capital (leverage) ratio | 9.4567% | 3,967 |
| Tier 1 risk-based capital ratio | 12.5196% | 4,959 |
| Total risk-based capital ratio | 13.7856% | 4,927 |
| Memoranda: | ||
| Average total assets | $85,071,250 | 5,500 |
| Average earning assets | $77,551,250 | 5,497 |
| Average equity | $8,100,500 | 5,755 |
| Average total loans | $71,219,750 | 4,710 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9500% | 1,052 |
| Cost of funding earning assets | 1.5100% | 3,203 |
| Net interest margin | 4.4399% | 1,345 |
| Noninterest income to average assets | 0.2756% | 5,944 |
| Noninterest expense to average assets | 3.1002% | 3,320 |
| Loan and lease loss provision to assets | 0.2356% | 4,559 |
| Net operating income to assets | 0.9988% | 2,209 |
| Return on assets (ROA) | 0.9988% | 2,283 |
| Pretax return on assets | 0.9988% | 3,116 |
| Return on Equity (ROE) | 10.5639% | 1,908 |
| Retained earnings to average equity (ytd only) | 10.5639% | 734 |
| Net charge-offs to loans | 0.3060% | 3,782 |
| Credit loss provision to net charge-offs | 91.7431% | 4,372 |
| Earnings coverage of net charge-offs (x) | 4.8073% | 2,835 |
| Efficiency ratio | 71.5217% | 3,898 |
| Assets per employee ($millions) | 5.6777% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0905% | 1,979 |
| Loan loss allowance to noncurrent loans | 59.2796% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 5.5269% | 1,113 |
| Noncurrent loans to loans | 3.5265% | 2,240 |
| Net loans and leases to total assets | 83.2598% | 411 |
| Net loans and leases to deposits | 103.2605% | 525 |
| Net loans and leases to core deposits | 111.0504% | 1,097 |
| Total domestic deposits to total assets | 80.6308% | 5,528 |
| Equity capital to assets | 9.6834% | 4,423 |
| Core capital (leverage) ratio | 9.6414% | 3,622 |
| Tier 1 risk-based capital ratio | 12.1390% | 5,180 |
| Total risk-based capital ratio | 13.4013% | 5,151 |
| Memoranda: | ||
| Average total assets | $84,898,000 | 5,537 |
| Average earning assets | $77,613,670 | 5,525 |
| Average equity | $8,027,330 | 5,792 |
| Average total loans | $71,237,670 | 4,747 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8022% | 1,446 |
| Cost of funding earning assets | 1.5609% | 3,198 |
| Net interest margin | 4.2413% | 1,887 |
| Noninterest income to average assets | 0.4577% | 4,396 |
| Noninterest expense to average assets | 2.9777% | 3,758 |
| Loan and lease loss provision to assets | 0.1180% | 5,419 |
| Net operating income to assets | 1.2600% | 1,384 |
| Return on assets (ROA) | 1.2600% | 1,456 |
| Pretax return on assets | 1.2600% | 2,174 |
| Return on Equity (ROE) | 13.4891% | 1,154 |
| Retained earnings to average equity (ytd only) | 13.4891% | 560 |
| Net charge-offs to loans | 0.5322% | 2,470 |
| Credit loss provision to net charge-offs | 26.5957% | 4,866 |
| Earnings coverage of net charge-offs (x) | 3.1064% | 3,018 |
| Efficiency ratio | 68.3640% | 4,651 |
| Assets per employee ($millions) | 5.0693% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0723% | 2,008 |
| Loan loss allowance to noncurrent loans | 83.9977% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 4.3979% | 1,544 |
| Noncurrent loans to loans | 2.4671% | 3,201 |
| Net loans and leases to total assets | 79.7280% | 872 |
| Net loans and leases to deposits | 99.4198% | 797 |
| Net loans and leases to core deposits | 106.2013% | 1,560 |
| Total domestic deposits to total assets | 80.1933% | 5,720 |
| Equity capital to assets | 9.3469% | 4,765 |
| Core capital (leverage) ratio | 9.6753% | 3,551 |
| Tier 1 risk-based capital ratio | 12.0620% | 5,136 |
| Total risk-based capital ratio | 13.3231% | 5,089 |
| Memoranda: | ||
| Average total assets | $84,764,000 | 5,605 |
| Average earning assets | $77,901,500 | 5,575 |
| Average equity | $7,917,500 | 5,876 |
| Average total loans | $70,645,000 | 4,827 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0336% | 1,736 |
| Cost of funding earning assets | 2.2833% | 1,718 |
| Net interest margin | 3.7503% | 3,910 |
| Noninterest income to average assets | 0.2460% | 6,339 |
| Noninterest expense to average assets | 3.0043% | 4,123 |
| Loan and lease loss provision to assets | 1.9022% | 1,171 |
| Net operating income to assets | -1.1654% | 6,694 |
| Return on assets (ROA) | -1.1654% | 6,693 |
| Pretax return on assets | -1.1654% | 6,520 |
| Return on Equity (ROE) | -13.0537% | 6,836 |
| Retained earnings to average equity (ytd only) | -13.0537% | 6,763 |
| Net charge-offs to loans | 1.1604% | 2,107 |
| Credit loss provision to net charge-offs | 186.5340% | 2,175 |
| Earnings coverage of net charge-offs (x) | 0.7225% | 5,380 |
| Efficiency ratio | 80.3064% | 2,841 |
| Assets per employee ($millions) | 5.2094% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1412% | 1,748 |
| Loan loss allowance to noncurrent loans | 61.4609% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 5.5357% | 1,062 |
| Noncurrent loans to loans | 3.4839% | 2,180 |
| Net loans and leases to total assets | 83.5093% | 487 |
| Net loans and leases to deposits | 105.9243% | 550 |
| Net loans and leases to core deposits | 135.7775% | 963 |
| Total domestic deposits to total assets | 78.8386% | 6,027 |
| Equity capital to assets | 9.3341% | 4,661 |
| Core capital (leverage) ratio | 9.2051% | 4,112 |
| Tier 1 risk-based capital ratio | 11.6267% | 5,267 |
| Total risk-based capital ratio | 12.8903% | 5,213 |
| Memoranda: | ||
| Average total assets | $83,746,600 | 5,605 |
| Average earning assets | $78,046,200 | 5,525 |
| Average equity | $7,476,800 | 6,100 |
| Average total loans | $73,592,600 | 4,744 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1090% | 1,621 |
| Cost of funding earning assets | 2.4076% | 1,610 |
| Net interest margin | 3.7015% | 4,066 |
| Noninterest income to average assets | 0.2449% | 6,480 |
| Noninterest expense to average assets | 2.9593% | 4,210 |
| Loan and lease loss provision to assets | 1.1704% | 1,657 |
| Net operating income to assets | -0.4230% | 6,350 |
| Return on assets (ROA) | -0.4230% | 6,345 |
| Pretax return on assets | -0.4230% | 6,228 |
| Return on Equity (ROE) | -4.7921% | 6,425 |
| Retained earnings to average equity (ytd only) | -4.7921% | 6,226 |
| Net charge-offs to loans | 0.8588% | 2,250 |
| Credit loss provision to net charge-offs | 153.9749% | 3,107 |
| Earnings coverage of net charge-offs (x) | 0.9833% | 5,072 |
| Efficiency ratio | 79.8370% | 2,872 |
| Assets per employee ($millions) | 4.8587% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 3,900 |
| Loan loss allowance to noncurrent loans | 34.4463% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 4.2168% | 1,487 |
| Noncurrent loans to loans | 4.0849% | 1,791 |
| Net loans and leases to total assets | 88.3944% | 181 |
| Net loans and leases to deposits | 114.3260% | 315 |
| Net loans and leases to core deposits | 146.9912% | 658 |
| Total domestic deposits to total assets | 77.3179% | 6,261 |
| Equity capital to assets | 9.6927% | 4,508 |
| Core capital (leverage) ratio | 9.3074% | 4,179 |
| Tier 1 risk-based capital ratio | 11.6681% | 5,274 |
| Total risk-based capital ratio | 12.8997% | 5,229 |
| Memoranda: | ||
| Average total assets | $83,845,750 | 5,623 |
| Average earning assets | $78,417,500 | 5,544 |
| Average equity | $7,401,000 | 6,187 |
| Average total loans | $74,208,750 | 4,765 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1481% | 1,624 |
| Cost of funding earning assets | 2.5154% | 1,557 |
| Net interest margin | 3.6327% | 4,234 |
| Noninterest income to average assets | 0.2421% | 6,551 |
| Noninterest expense to average assets | 2.7913% | 4,992 |
| Loan and lease loss provision to assets | 0.7714% | 2,148 |
| Net operating income to assets | 0.0593% | 5,682 |
| Return on assets (ROA) | 0.0593% | 5,768 |
| Pretax return on assets | 0.0593% | 5,762 |
| Return on Equity (ROE) | 0.6945% | 5,727 |
| Retained earnings to average equity (ytd only) | 0.6945% | 4,915 |
| Net charge-offs to loans | 0.8753% | 1,941 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 1.0769% | 4,711 |
| Efficiency ratio | 77.0642% | 3,500 |
| Assets per employee ($millions) | 4.8583% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 5,792 |
| Loan loss allowance to noncurrent loans | 28.6654% | 6,586 |
| Noncurrent assets plus other real estate owned to assets | 3.8685% | 1,559 |
| Noncurrent loans to loans | 3.7293% | 1,860 |
| Net loans and leases to total assets | 87.8473% | 247 |
| Net loans and leases to deposits | 112.8595% | 450 |
| Net loans and leases to core deposits | 144.7028% | 809 |
| Total domestic deposits to total assets | 77.8378% | 6,121 |
| Equity capital to assets | 8.7891% | 5,615 |
| Core capital (leverage) ratio | 8.5318% | 5,388 |
| Tier 1 risk-based capital ratio | 10.5235% | 6,357 |
| Total risk-based capital ratio | 11.6660% | 6,406 |
| Memoranda: | ||
| Average total assets | $84,261,670 | 5,641 |
| Average earning assets | $78,398,330 | 5,587 |
| Average equity | $7,199,330 | 6,301 |
| Average total loans | $74,260,330 | 4,802 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2046% | 1,588 |
| Cost of funding earning assets | 2.5528% | 1,729 |
| Net interest margin | 3.6519% | 4,089 |
| Noninterest income to average assets | 0.2491% | 6,462 |
| Noninterest expense to average assets | 2.6934% | 5,042 |
| Loan and lease loss provision to assets | 0.8696% | 1,510 |
| Net operating income to assets | 0.0752% | 6,055 |
| Return on assets (ROA) | 0.0752% | 6,221 |
| Pretax return on assets | 0.0752% | 6,221 |
| Return on Equity (ROE) | 0.8927% | 6,156 |
| Retained earnings to average equity (ytd only) | 0.8927% | 5,297 |
| Net charge-offs to loans | 0.0107% | 5,477 |
| Credit loss provision to net charge-offs | 9,250.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 100.5000% | 432 |
| Efficiency ratio | 74.0310% | 3,816 |
| Assets per employee ($millions) | 5.0630% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 4,163 |
| Loan loss allowance to noncurrent loans | 52.6975% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 2.6722% | 2,141 |
| Noncurrent loans to loans | 2.4375% | 2,704 |
| Net loans and leases to total assets | 86.3403% | 400 |
| Net loans and leases to deposits | 109.7907% | 626 |
| Net loans and leases to core deposits | 138.3435% | 1,185 |
| Total domestic deposits to total assets | 78.6409% | 5,836 |
| Equity capital to assets | 8.4337% | 6,179 |
| Core capital (leverage) ratio | 8.5123% | 5,510 |
| Tier 1 risk-based capital ratio | 10.1200% | 6,789 |
| Total risk-based capital ratio | 11.3450% | 6,731 |
| Memoranda: | ||
| Average total assets | $85,097,000 | 5,642 |
| Average earning assets | $78,973,500 | 5,587 |
| Average equity | $7,169,500 | 6,345 |
| Average total loans | $74,721,500 | 4,820 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0561% | 997 |
| Cost of funding earning assets | 3.1553% | 1,336 |
| Net interest margin | 3.9008% | 3,562 |
| Noninterest income to average assets | 0.3362% | 6,052 |
| Noninterest expense to average assets | 3.1453% | 3,531 |
| Loan and lease loss provision to assets | 0.4659% | 2,968 |
| Net operating income to assets | 0.3878% | 5,203 |
| Return on assets (ROA) | 0.3878% | 5,014 |
| Pretax return on assets | 0.3878% | 5,294 |
| Return on Equity (ROE) | 4.7036% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.7036% | 2,202 |
| Net charge-offs to loans | 0.4005% | 2,814 |
| Credit loss provision to net charge-offs | 130.2817% | 4,083 |
| Earnings coverage of net charge-offs (x) | 2.3873% | 4,885 |
| Efficiency ratio | 78.6524% | 2,814 |
| Assets per employee ($millions) | 4.6735% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 5,564 |
| Loan loss allowance to noncurrent loans | 103.7037% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.4514% | 3,315 |
| Noncurrent loans to loans | 1.0194% | 4,545 |
| Net loans and leases to total assets | 87.2270% | 447 |
| Net loans and leases to deposits | 113.2936% | 652 |
| Net loans and leases to core deposits | 138.9156% | 1,321 |
| Total domestic deposits to total assets | 76.9920% | 5,994 |
| Equity capital to assets | 8.4162% | 6,226 |
| Core capital (leverage) ratio | 8.5388% | 5,504 |
| Tier 1 risk-based capital ratio | 9.8974% | 6,853 |
| Total risk-based capital ratio | 11.0004% | 6,917 |
| Memoranda: | ||
| Average total assets | $79,420,800 | 5,723 |
| Average earning assets | $74,573,600 | 5,639 |
| Average equity | $6,548,200 | 6,628 |
| Average total loans | $70,919,200 | 4,831 |