Home > EAGLE.bank > Performance and Condition Ratios
EAGLE.bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8496% | 3,075 |
| Cost of funding earning assets | 2.0831% | 1,811 |
| Net interest margin | 2.7664% | 3,432 |
| Noninterest income to average assets | 0.6300% | 1,253 |
| Noninterest expense to average assets | 3.0572% | 1,023 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0458% | 4,181 |
| Return on assets (ROA) | 0.0458% | 4,218 |
| Pretax return on assets | 0.0481% | 4,205 |
| Return on Equity (ROE) | 0.3300% | 4,221 |
| Retained earnings to average equity (ytd only) | 0.3346% | 3,633 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 98.4502% | 324 |
| Assets per employee ($millions) | 5.6417% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 2,648 |
| Loan loss allowance to noncurrent loans | 564.6048% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 2,544 |
| Noncurrent loans to loans | 0.2004% | 2,629 |
| Net loans and leases to total assets | 82.0800% | 410 |
| Net loans and leases to deposits | 106.7458% | 260 |
| Net loans and leases to core deposits | 117.2567% | 715 |
| Total domestic deposits to total assets | 76.8900% | 3,913 |
| Equity capital to assets | 13.6849% | 724 |
| Core capital (leverage) ratio | 13.7778% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2986% | 1,455 |
| Memoranda: | ||
| Average total assets | $174,536,500 | 3,178 |
| Average earning assets | $156,302,000 | 3,221 |
| Average equity | $23,906,000 | 2,661 |
| Average total loans | $144,103,500 | 2,776 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5143% | 3,076 |
| Cost of funding earning assets | 1.5301% | 1,863 |
| Net interest margin | 2.9842% | 3,320 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 3.2414% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1695% | 4,194 |
| Return on assets (ROA) | 0.1695% | 4,216 |
| Pretax return on assets | 0.2186% | 4,179 |
| Return on Equity (ROE) | 1.2100% | 4,238 |
| Retained earnings to average equity (ytd only) | 1.2071% | 3,782 |
| Net charge-offs to loans | 0.0036% | 2,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 76.6000% | 1,051 |
| Efficiency ratio | 93.6809% | 305 |
| Assets per employee ($millions) | 5.6187% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,554 |
| Loan loss allowance to noncurrent loans | 511.8380% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 2,303 |
| Noncurrent loans to loans | 0.2245% | 2,424 |
| Net loans and leases to total assets | 81.1600% | 516 |
| Net loans and leases to deposits | 101.8172% | 442 |
| Net loans and leases to core deposits | 111.6000% | 894 |
| Total domestic deposits to total assets | 79.7100% | 3,512 |
| Equity capital to assets | 13.7088% | 730 |
| Core capital (leverage) ratio | 13.6130% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4751% | 1,400 |
| Memoranda: | ||
| Average total assets | $175,172,800 | 3,164 |
| Average earning assets | $157,698,000 | 3,183 |
| Average equity | $24,605,000 | 2,543 |
| Average total loans | $139,352,600 | 2,777 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 3,200 |
| Cost of funding earning assets | 1.3984% | 1,873 |
| Net interest margin | 2.9494% | 3,431 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 3.2432% | 774 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1817% | 4,248 |
| Return on assets (ROA) | 0.1817% | 4,267 |
| Pretax return on assets | 0.2394% | 4,214 |
| Return on Equity (ROE) | 1.2900% | 4,281 |
| Retained earnings to average equity (ytd only) | 1.2856% | 3,889 |
| Net charge-offs to loans | 0.0048% | 2,296 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 1,177 |
| Efficiency ratio | 93.1253% | 288 |
| Assets per employee ($millions) | 5.6688% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 2,633 |
| Loan loss allowance to noncurrent loans | 54.5666% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.7134% | 188 |
| Noncurrent loans to loans | 2.1019% | 275 |
| Net loans and leases to total assets | 80.5800% | 583 |
| Net loans and leases to deposits | 104.1765% | 351 |
| Net loans and leases to core deposits | 114.0054% | 728 |
| Total domestic deposits to total assets | 77.3500% | 3,894 |
| Equity capital to assets | 14.2114% | 616 |
| Core capital (leverage) ratio | 14.2547% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9017% | 1,348 |
| Memoranda: | ||
| Average total assets | $175,421,000 | 3,173 |
| Average earning assets | $158,082,250 | 3,191 |
| Average equity | $24,786,750 | 2,515 |
| Average total loans | $138,438,500 | 2,794 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 3,120 |
| Cost of funding earning assets | 1.2388% | 1,885 |
| Net interest margin | 3.0490% | 3,322 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 3.2193% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1745% | 4,307 |
| Return on assets (ROA) | 0.1745% | 4,330 |
| Pretax return on assets | 0.2282% | 4,289 |
| Return on Equity (ROE) | 1.2400% | 4,349 |
| Retained earnings to average equity (ytd only) | 1.2376% | 3,866 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.3819% | 273 |
| Assets per employee ($millions) | 5.9276% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 2,617 |
| Loan loss allowance to noncurrent loans | 362.9956% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 1,925 |
| Noncurrent loans to loans | 0.3213% | 1,989 |
| Net loans and leases to total assets | 78.5300% | 779 |
| Net loans and leases to deposits | 101.8793% | 436 |
| Net loans and leases to core deposits | 110.7963% | 794 |
| Total domestic deposits to total assets | 77.0800% | 3,944 |
| Equity capital to assets | 13.9437% | 655 |
| Core capital (leverage) ratio | 14.1448% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9669% | 1,324 |
| Memoranda: | ||
| Average total assets | $175,317,333 | 3,177 |
| Average earning assets | $158,217,667 | 3,203 |
| Average equity | $24,724,333 | 2,532 |
| Average total loans | $136,835,333 | 2,807 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 3,090 |
| Cost of funding earning assets | 1.0743% | 1,825 |
| Net interest margin | 3.1033% | 3,340 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 3.2425% | 752 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0253% | 4,467 |
| Return on assets (ROA) | 0.0253% | 4,451 |
| Pretax return on assets | 0.0345% | 4,437 |
| Return on Equity (ROE) | 0.1800% | 4,439 |
| Retained earnings to average equity (ytd only) | 0.1782% | 3,994 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 98.8095% | 189 |
| Assets per employee ($millions) | 5.6270% | 3,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 2,487 |
| Loan loss allowance to noncurrent loans | 497.8852% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 2,120 |
| Noncurrent loans to loans | 0.2438% | 2,278 |
| Net loans and leases to total assets | 76.9000% | 882 |
| Net loans and leases to deposits | 97.5265% | 562 |
| Net loans and leases to core deposits | 105.5549% | 856 |
| Total domestic deposits to total assets | 78.8500% | 3,907 |
| Equity capital to assets | 14.0773% | 586 |
| Core capital (leverage) ratio | 14.0720% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9712% | 1,375 |
| Memoranda: | ||
| Average total assets | $174,061,500 | 3,230 |
| Average earning assets | $157,122,500 | 3,254 |
| Average equity | $24,688,500 | 2,565 |
| Average total loans | $134,603,500 | 2,857 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 2,597 |
| Cost of funding earning assets | 0.3698% | 2,332 |
| Net interest margin | 3.3052% | 2,554 |
| Noninterest income to average assets | 1.0300% | 608 |
| Noninterest expense to average assets | 3.5401% | 473 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.3147% | 4,351 |
| Return on assets (ROA) | 0.3147% | 4,321 |
| Pretax return on assets | 0.3980% | 4,277 |
| Return on Equity (ROE) | 2.1700% | 4,374 |
| Retained earnings to average equity (ytd only) | 2.1654% | 3,943 |
| Net charge-offs to loans | 0.0742% | 906 |
| Credit loss provision to net charge-offs | 119.7802% | 1,460 |
| Earnings coverage of net charge-offs (x) | 8.6593% | 2,257 |
| Efficiency ratio | 88.4593% | 342 |
| Assets per employee ($millions) | 5.6028% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 3,720 |
| Loan loss allowance to noncurrent loans | 340.8964% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 2,058 |
| Noncurrent loans to loans | 0.2676% | 2,194 |
| Net loans and leases to total assets | 76.1200% | 996 |
| Net loans and leases to deposits | 98.2908% | 508 |
| Net loans and leases to core deposits | 104.9329% | 791 |
| Total domestic deposits to total assets | 77.4400% | 4,134 |
| Equity capital to assets | 14.2907% | 544 |
| Core capital (leverage) ratio | 14.6482% | 617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1195% | 1,341 |
| Memoranda: | ||
| Average total assets | $170,617,200 | 3,265 |
| Average earning assets | $153,576,800 | 3,288 |
| Average equity | $24,799,200 | 2,595 |
| Average total loans | $122,612,200 | 2,892 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5518% | 2,461 |
| Cost of funding earning assets | 0.3195% | 1,961 |
| Net interest margin | 3.2323% | 2,522 |
| Noninterest income to average assets | 1.2900% | 438 |
| Noninterest expense to average assets | 3.6133% | 438 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.3862% | 4,261 |
| Return on assets (ROA) | 0.3862% | 4,209 |
| Pretax return on assets | 0.4938% | 4,160 |
| Return on Equity (ROE) | 2.6500% | 4,338 |
| Retained earnings to average equity (ytd only) | 2.6458% | 3,876 |
| Net charge-offs to loans | 0.1012% | 610 |
| Credit loss provision to net charge-offs | 119.7802% | 1,223 |
| Earnings coverage of net charge-offs (x) | 8.1099% | 2,052 |
| Efficiency ratio | 86.1824% | 455 |
| Assets per employee ($millions) | 4.1591% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 3,530 |
| Loan loss allowance to noncurrent loans | 338.9972% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 2,077 |
| Noncurrent loans to loans | 0.2921% | 2,198 |
| Net loans and leases to total assets | 73.1400% | 1,170 |
| Net loans and leases to deposits | 87.8968% | 1,041 |
| Net loans and leases to core deposits | 91.6564% | 1,201 |
| Total domestic deposits to total assets | 83.2100% | 3,656 |
| Equity capital to assets | 14.8367% | 467 |
| Core capital (leverage) ratio | 14.7429% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5640% | 1,272 |
| Memoranda: | ||
| Average total assets | $169,850,000 | 3,297 |
| Average earning assets | $152,746,500 | 3,325 |
| Average equity | $24,793,750 | 2,631 |
| Average total loans | $119,909,750 | 2,928 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3522% | 2,563 |
| Cost of funding earning assets | 0.3255% | 1,477 |
| Net interest margin | 3.0267% | 2,805 |
| Noninterest income to average assets | 1.4619% | 346 |
| Noninterest expense to average assets | 3.7284% | 344 |
| Loan and lease loss provision to assets | 0.1275% | 766 |
| Net operating income to assets | 0.2561% | 4,355 |
| Return on assets (ROA) | 0.2561% | 4,311 |
| Pretax return on assets | 0.3251% | 4,266 |
| Return on Equity (ROE) | 1.7639% | 4,374 |
| Retained earnings to average equity (ytd only) | 1.7639% | 3,809 |
| Net charge-offs to loans | 0.1547% | 413 |
| Credit loss provision to net charge-offs | 118.4783% | 1,189 |
| Earnings coverage of net charge-offs (x) | 4.2065% | 1,965 |
| Efficiency ratio | 89.1748% | 447 |
| Assets per employee ($millions) | 4.1023% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 3,728 |
| Loan loss allowance to noncurrent loans | 332.2404% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 2,157 |
| Noncurrent loans to loans | 0.2919% | 2,301 |
| Net loans and leases to total assets | 73.8180% | 934 |
| Net loans and leases to deposits | 88.2620% | 819 |
| Net loans and leases to core deposits | 91.2981% | 1,048 |
| Total domestic deposits to total assets | 83.6352% | 3,765 |
| Equity capital to assets | 14.4581% | 468 |
| Core capital (leverage) ratio | 14.2463% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1916% | 1,392 |
| Memoranda: | ||
| Average total assets | $171,011,667 | 3,325 |
| Average earning assets | $153,632,000 | 3,360 |
| Average equity | $24,830,667 | 2,692 |
| Average total loans | $118,916,667 | 2,957 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3358% | 2,277 |
| Cost of funding earning assets | 0.3313% | 1,367 |
| Net interest margin | 3.0046% | 2,488 |
| Noninterest income to average assets | 1.1901% | 491 |
| Noninterest expense to average assets | 3.7026% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1508% | 4,404 |
| Return on assets (ROA) | 0.1508% | 4,371 |
| Pretax return on assets | 0.1810% | 4,343 |
| Return on Equity (ROE) | 1.0364% | 4,421 |
| Retained earnings to average equity (ytd only) | 1.0364% | 3,819 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3405% | 351 |
| Assets per employee ($millions) | 3.8675% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,606 |
| Loan loss allowance to noncurrent loans | 324.9322% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 1.2693% | 332 |
| Noncurrent loans to loans | 0.3159% | 2,338 |
| Net loans and leases to total assets | 67.9436% | 1,217 |
| Net loans and leases to deposits | 80.9319% | 1,081 |
| Net loans and leases to core deposits | 83.9019% | 1,246 |
| Total domestic deposits to total assets | 83.9515% | 3,780 |
| Equity capital to assets | 14.1457% | 506 |
| Core capital (leverage) ratio | 14.0938% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2381% | 1,443 |
| Memoranda: | ||
| Average total assets | $172,419,500 | 3,327 |
| Average earning assets | $154,565,500 | 3,369 |
| Average equity | $25,087,000 | 2,768 |
| Average total loans | $115,687,500 | 2,988 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 2,381 |
| Cost of funding earning assets | 0.4206% | 1,388 |
| Net interest margin | 3.1829% | 2,647 |
| Noninterest income to average assets | 2.2971% | 255 |
| Noninterest expense to average assets | 4.2248% | 247 |
| Loan and lease loss provision to assets | 0.0387% | 2,272 |
| Net operating income to assets | 0.7091% | 3,604 |
| Return on assets (ROA) | 0.7091% | 3,657 |
| Pretax return on assets | 0.9063% | 3,498 |
| Return on Equity (ROE) | 4.6862% | 4,065 |
| Retained earnings to average equity (ytd only) | 4.6862% | 2,928 |
| Net charge-offs to loans | 0.2122% | 440 |
| Credit loss provision to net charge-offs | 25.7937% | 2,255 |
| Earnings coverage of net charge-offs (x) | 6.2937% | 2,406 |
| Efficiency ratio | 81.7197% | 699 |
| Assets per employee ($millions) | 4.0620% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 3,584 |
| Loan loss allowance to noncurrent loans | 310.6218% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 1.2464% | 383 |
| Noncurrent loans to loans | 0.3370% | 2,376 |
| Net loans and leases to total assets | 64.8983% | 1,594 |
| Net loans and leases to deposits | 77.9626% | 1,401 |
| Net loans and leases to core deposits | 80.7960% | 1,535 |
| Total domestic deposits to total assets | 83.2430% | 3,758 |
| Equity capital to assets | 14.9439% | 498 |
| Core capital (leverage) ratio | 15.0638% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8053% | 1,093 |
| Memoranda: | ||
| Average total assets | $167,817,600 | 3,321 |
| Average earning assets | $151,464,200 | 3,366 |
| Average equity | $25,393,600 | 2,824 |
| Average total loans | $118,732,600 | 2,960 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5291% | 2,750 |
| Cost of funding earning assets | 0.4387% | 1,429 |
| Net interest margin | 3.0904% | 3,077 |
| Noninterest income to average assets | 2.5830% | 237 |
| Noninterest expense to average assets | 4.2655% | 242 |
| Loan and lease loss provision to assets | 0.0415% | 2,163 |
| Net operating income to assets | 0.8348% | 3,433 |
| Return on assets (ROA) | 0.8348% | 3,492 |
| Pretax return on assets | 1.0692% | 3,272 |
| Return on Equity (ROE) | 5.4989% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.4989% | 3,044 |
| Net charge-offs to loans | 0.2660% | 310 |
| Credit loss provision to net charge-offs | 21.7573% | 1,982 |
| Earnings coverage of net charge-offs (x) | 5.7908% | 2,210 |
| Efficiency ratio | 79.3371% | 790 |
| Assets per employee ($millions) | 3.9998% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,612 |
| Loan loss allowance to noncurrent loans | 277.5463% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 1.2780% | 448 |
| Noncurrent loans to loans | 0.3826% | 2,412 |
| Net loans and leases to total assets | 64.9585% | 1,661 |
| Net loans and leases to deposits | 78.3445% | 1,454 |
| Net loans and leases to core deposits | 81.3929% | 1,620 |
| Total domestic deposits to total assets | 82.9138% | 3,727 |
| Equity capital to assets | 15.0361% | 538 |
| Core capital (leverage) ratio | 15.1774% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0298% | 1,128 |
| Memoranda: | ||
| Average total assets | $166,105,250 | 3,365 |
| Average earning assets | $150,136,500 | 3,415 |
| Average equity | $25,216,500 | 2,865 |
| Average total loans | $119,777,000 | 2,994 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4281% | 3,090 |
| Cost of funding earning assets | 0.4576% | 1,469 |
| Net interest margin | 2.9705% | 3,390 |
| Noninterest income to average assets | 2.6635% | 224 |
| Noninterest expense to average assets | 4.3292% | 236 |
| Loan and lease loss provision to assets | 0.0634% | 1,770 |
| Net operating income to assets | 0.7481% | 3,646 |
| Return on assets (ROA) | 0.7481% | 3,712 |
| Pretax return on assets | 0.9601% | 3,527 |
| Return on Equity (ROE) | 4.9117% | 4,139 |
| Retained earnings to average equity (ytd only) | 4.9117% | 3,215 |
| Net charge-offs to loans | 0.3932% | 215 |
| Credit loss provision to net charge-offs | 21.6667% | 1,727 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,068 |
| Efficiency ratio | 80.8787% | 735 |
| Assets per employee ($millions) | 3.7154% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 3,651 |
| Loan loss allowance to noncurrent loans | 210.9155% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 1.3960% | 436 |
| Noncurrent loans to loans | 0.4957% | 2,194 |
| Net loans and leases to total assets | 67.8129% | 1,468 |
| Net loans and leases to deposits | 81.8618% | 1,242 |
| Net loans and leases to core deposits | 84.3165% | 1,535 |
| Total domestic deposits to total assets | 82.8382% | 3,739 |
| Equity capital to assets | 15.1587% | 506 |
| Core capital (leverage) ratio | 15.2722% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8402% | 1,160 |
| Memoranda: | ||
| Average total assets | $164,142,667 | 3,393 |
| Average earning assets | $148,595,000 | 3,437 |
| Average equity | $25,001,667 | 2,880 |
| Average total loans | $122,061,667 | 2,990 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 2,423 |
| Cost of funding earning assets | 0.4790% | 1,527 |
| Net interest margin | 3.1960% | 2,712 |
| Noninterest income to average assets | 3.1091% | 192 |
| Noninterest expense to average assets | 4.4005% | 219 |
| Loan and lease loss provision to assets | 0.1279% | 1,074 |
| Net operating income to assets | 1.1635% | 2,286 |
| Return on assets (ROA) | 1.1635% | 2,357 |
| Pretax return on assets | 1.4857% | 2,041 |
| Return on Equity (ROE) | 7.6197% | 3,436 |
| Retained earnings to average equity (ytd only) | 7.6197% | 2,374 |
| Net charge-offs to loans | 0.7631% | 103 |
| Credit loss provision to net charge-offs | 21.6667% | 1,415 |
| Earnings coverage of net charge-offs (x) | 2.7333% | 1,796 |
| Efficiency ratio | 73.1697% | 1,388 |
| Assets per employee ($millions) | 3.9251% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,746 |
| Loan loss allowance to noncurrent loans | 293.6275% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 1.3187% | 530 |
| Noncurrent loans to loans | 0.3493% | 2,836 |
| Net loans and leases to total assets | 70.1265% | 1,271 |
| Net loans and leases to deposits | 84.9146% | 1,057 |
| Net loans and leases to core deposits | 87.1066% | 1,445 |
| Total domestic deposits to total assets | 82.5847% | 3,784 |
| Equity capital to assets | 15.2322% | 468 |
| Core capital (leverage) ratio | 15.5330% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3205% | 1,023 |
| Memoranda: | ||
| Average total assets | $162,618,500 | 3,403 |
| Average earning assets | $147,808,500 | 3,443 |
| Average equity | $24,830,500 | 2,884 |
| Average total loans | $125,805,000 | 2,951 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 2,882 |
| Cost of funding earning assets | 0.7244% | 1,591 |
| Net interest margin | 3.2251% | 3,285 |
| Noninterest income to average assets | 3.4033% | 164 |
| Noninterest expense to average assets | 4.3269% | 285 |
| Loan and lease loss provision to assets | 0.1912% | 2,039 |
| Net operating income to assets | 1.4419% | 932 |
| Return on assets (ROA) | 1.4419% | 1,013 |
| Pretax return on assets | 1.8381% | 628 |
| Return on Equity (ROE) | 9.4729% | 2,207 |
| Retained earnings to average equity (ytd only) | 9.4729% | 688 |
| Net charge-offs to loans | 0.0553% | 1,994 |
| Credit loss provision to net charge-offs | 414.2857% | 1,400 |
| Earnings coverage of net charge-offs (x) | 43.9714% | 1,311 |
| Efficiency ratio | 68.0739% | 2,230 |
| Assets per employee ($millions) | 3.7298% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 3,767 |
| Loan loss allowance to noncurrent loans | 188.0597% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 2,119 |
| Noncurrent loans to loans | 0.5467% | 2,341 |
| Net loans and leases to total assets | 83.1883% | 220 |
| Net loans and leases to deposits | 100.5881% | 347 |
| Net loans and leases to core deposits | 103.0223% | 769 |
| Total domestic deposits to total assets | 82.7019% | 3,494 |
| Equity capital to assets | 15.3072% | 517 |
| Core capital (leverage) ratio | 15.5431% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2899% | 1,001 |
| Memoranda: | ||
| Average total assets | $151,677,400 | 3,383 |
| Average earning assets | $138,878,200 | 3,394 |
| Average equity | $23,086,800 | 2,933 |
| Average total loans | $126,608,600 | 2,899 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9459% | 3,129 |
| Cost of funding earning assets | 0.7790% | 1,593 |
| Net interest margin | 3.1668% | 3,571 |
| Noninterest income to average assets | 3.0626% | 178 |
| Noninterest expense to average assets | 4.1096% | 345 |
| Loan and lease loss provision to assets | 0.2589% | 1,566 |
| Net operating income to assets | 1.2495% | 1,485 |
| Return on assets (ROA) | 1.2495% | 1,598 |
| Pretax return on assets | 1.5946% | 1,200 |
| Return on Equity (ROE) | 8.2213% | 2,720 |
| Retained earnings to average equity (ytd only) | 8.2213% | 1,231 |
| Net charge-offs to loans | 0.0749% | 1,562 |
| Credit loss provision to net charge-offs | 414.2857% | 1,439 |
| Earnings coverage of net charge-offs (x) | 29.6857% | 1,593 |
| Efficiency ratio | 68.9201% | 2,054 |
| Assets per employee ($millions) | 3.8220% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,682 |
| Loan loss allowance to noncurrent loans | 259.0654% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 1,865 |
| Noncurrent loans to loans | 0.3886% | 2,900 |
| Net loans and leases to total assets | 86.9829% | 108 |
| Net loans and leases to deposits | 105.5402% | 338 |
| Net loans and leases to core deposits | 108.2105% | 761 |
| Total domestic deposits to total assets | 82.4168% | 3,308 |
| Equity capital to assets | 15.1090% | 611 |
| Core capital (leverage) ratio | 15.2783% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2308% | 1,017 |
| Memoranda: | ||
| Average total assets | $149,501,250 | 3,399 |
| Average earning assets | $136,916,000 | 3,401 |
| Average equity | $22,721,000 | 2,957 |
| Average total loans | $124,559,500 | 2,936 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9572% | 3,444 |
| Cost of funding earning assets | 0.8265% | 1,696 |
| Net interest margin | 3.1307% | 3,836 |
| Noninterest income to average assets | 2.6526% | 202 |
| Noninterest expense to average assets | 3.9769% | 416 |
| Loan and lease loss provision to assets | 0.3059% | 1,407 |
| Net operating income to assets | 0.9680% | 2,429 |
| Return on assets (ROA) | 0.9680% | 2,561 |
| Pretax return on assets | 1.2386% | 2,225 |
| Return on Equity (ROE) | 6.3564% | 3,379 |
| Retained earnings to average equity (ytd only) | 6.3564% | 1,921 |
| Net charge-offs to loans | 0.1198% | 1,128 |
| Credit loss provision to net charge-offs | 312.5000% | 1,586 |
| Earnings coverage of net charge-offs (x) | 15.7778% | 1,889 |
| Efficiency ratio | 72.0266% | 1,682 |
| Assets per employee ($millions) | 4.0642% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 3,537 |
| Loan loss allowance to noncurrent loans | 127.5629% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6695% | 1,833 |
| Noncurrent loans to loans | 0.7888% | 1,918 |
| Net loans and leases to total assets | 84.0217% | 254 |
| Net loans and leases to deposits | 101.4844% | 465 |
| Net loans and leases to core deposits | 105.1743% | 934 |
| Total domestic deposits to total assets | 82.7928% | 3,145 |
| Equity capital to assets | 14.8277% | 657 |
| Core capital (leverage) ratio | 14.7172% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0558% | 1,045 |
| Memoranda: | ||
| Average total assets | $147,101,333 | 3,402 |
| Average earning assets | $134,793,333 | 3,407 |
| Average equity | $22,402,667 | 2,973 |
| Average total loans | $120,183,000 | 2,982 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 3,744 |
| Cost of funding earning assets | 0.8705% | 2,013 |
| Net interest margin | 3.1471% | 3,992 |
| Noninterest income to average assets | 1.8099% | 302 |
| Noninterest expense to average assets | 3.9238% | 547 |
| Loan and lease loss provision to assets | 0.0697% | 2,872 |
| Net operating income to assets | 0.5410% | 3,773 |
| Return on assets (ROA) | 0.5410% | 3,831 |
| Pretax return on assets | 0.7000% | 3,687 |
| Return on Equity (ROE) | 3.5028% | 4,093 |
| Retained earnings to average equity (ytd only) | 3.5028% | 2,888 |
| Net charge-offs to loans | -0.0174% | 4,289 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6007% | 858 |
| Assets per employee ($millions) | 4.0026% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,509 |
| Loan loss allowance to noncurrent loans | 96.0643% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 1,540 |
| Noncurrent loans to loans | 1.0794% | 1,539 |
| Net loans and leases to total assets | 79.2163% | 790 |
| Net loans and leases to deposits | 96.4519% | 865 |
| Net loans and leases to core deposits | 100.5045% | 1,432 |
| Total domestic deposits to total assets | 82.1304% | 3,380 |
| Equity capital to assets | 15.4725% | 680 |
| Core capital (leverage) ratio | 15.6781% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1979% | 1,304 |
| Memoranda: | ||
| Average total assets | $143,431,500 | 3,420 |
| Average earning assets | $131,422,000 | 3,427 |
| Average equity | $22,154,000 | 2,986 |
| Average total loans | $114,733,000 | 3,016 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 3,371 |
| Cost of funding earning assets | 0.8659% | 2,355 |
| Net interest margin | 3.4925% | 3,473 |
| Noninterest income to average assets | 1.8558% | 295 |
| Noninterest expense to average assets | 4.3088% | 375 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5836% | 4,213 |
| Return on assets (ROA) | 0.5836% | 4,267 |
| Pretax return on assets | 0.7488% | 4,086 |
| Return on Equity (ROE) | 3.8212% | 4,513 |
| Retained earnings to average equity (ytd only) | 3.8212% | 3,068 |
| Net charge-offs to loans | 0.0179% | 3,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 49.8571% | 1,136 |
| Efficiency ratio | 85.1951% | 593 |
| Assets per employee ($millions) | 3.8586% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 3,370 |
| Loan loss allowance to noncurrent loans | 136.6940% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 2,110 |
| Noncurrent loans to loans | 0.7474% | 2,015 |
| Net loans and leases to total assets | 79.1194% | 912 |
| Net loans and leases to deposits | 96.1230% | 928 |
| Net loans and leases to core deposits | 100.4107% | 1,528 |
| Total domestic deposits to total assets | 82.3106% | 3,418 |
| Equity capital to assets | 15.4186% | 705 |
| Core capital (leverage) ratio | 15.4247% | 601 |
| Tier 1 risk-based capital ratio | 16.2923% | 2,296 |
| Total risk-based capital ratio | 17.1553% | 2,383 |
| Memoranda: | ||
| Average total assets | $139,828,800 | 3,438 |
| Average earning assets | $128,190,000 | 3,457 |
| Average equity | $21,354,600 | 3,014 |
| Average total loans | $117,584,200 | 2,970 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3691% | 3,454 |
| Cost of funding earning assets | 0.8469% | 2,483 |
| Net interest margin | 3.5223% | 3,496 |
| Noninterest income to average assets | 1.7168% | 332 |
| Noninterest expense to average assets | 4.2982% | 362 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5013% | 4,509 |
| Return on assets (ROA) | 0.5013% | 4,559 |
| Pretax return on assets | 0.6480% | 4,453 |
| Return on Equity (ROE) | 3.2908% | 4,719 |
| Retained earnings to average equity (ytd only) | 3.2908% | 3,767 |
| Net charge-offs to loans | 0.0293% | 2,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 25.9968% | 1,756 |
| Efficiency ratio | 86.8992% | 454 |
| Assets per employee ($millions) | 3.7422% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 3,763 |
| Loan loss allowance to noncurrent loans | 157.3171% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5190% | 2,452 |
| Noncurrent loans to loans | 0.6132% | 2,442 |
| Net loans and leases to total assets | 83.8223% | 372 |
| Net loans and leases to deposits | 101.7708% | 519 |
| Net loans and leases to core deposits | 106.5591% | 1,144 |
| Total domestic deposits to total assets | 82.3638% | 3,368 |
| Equity capital to assets | 15.2129% | 792 |
| Core capital (leverage) ratio | 15.2941% | 674 |
| Tier 1 risk-based capital ratio | 15.9353% | 2,465 |
| Total risk-based capital ratio | 16.7905% | 2,568 |
| Memoranda: | ||
| Average total assets | $139,093,750 | 3,482 |
| Average earning assets | $127,527,750 | 3,493 |
| Average equity | $21,190,000 | 3,049 |
| Average total loans | $118,449,250 | 2,988 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 3,551 |
| Cost of funding earning assets | 0.7999% | 2,643 |
| Net interest margin | 3.5270% | 3,512 |
| Noninterest income to average assets | 1.3661% | 470 |
| Noninterest expense to average assets | 4.1953% | 416 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3100% | 4,863 |
| Return on assets (ROA) | 0.3100% | 4,874 |
| Pretax return on assets | 0.4027% | 4,825 |
| Return on Equity (ROE) | 2.0340% | 4,936 |
| Retained earnings to average equity (ytd only) | 2.0340% | 4,104 |
| Net charge-offs to loans | 0.0526% | 1,890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 8.9677% | 2,372 |
| Efficiency ratio | 91.2413% | 306 |
| Assets per employee ($millions) | 3.9049% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 3,822 |
| Loan loss allowance to noncurrent loans | 425.0000% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 3,806 |
| Noncurrent loans to loans | 0.2263% | 3,730 |
| Net loans and leases to total assets | 84.6658% | 312 |
| Net loans and leases to deposits | 103.5722% | 442 |
| Net loans and leases to core deposits | 107.5343% | 1,133 |
| Total domestic deposits to total assets | 81.7457% | 3,592 |
| Equity capital to assets | 15.1065% | 783 |
| Core capital (leverage) ratio | 15.4558% | 629 |
| Tier 1 risk-based capital ratio | 15.9165% | 2,448 |
| Total risk-based capital ratio | 16.7830% | 2,543 |
| Memoranda: | ||
| Average total assets | $138,057,670 | 3,515 |
| Average earning assets | $126,509,000 | 3,526 |
| Average equity | $21,042,330 | 3,055 |
| Average total loans | $117,813,000 | 3,008 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3486% | 3,406 |
| Cost of funding earning assets | 0.7593% | 2,745 |
| Net interest margin | 3.5893% | 3,288 |
| Noninterest income to average assets | 1.1725% | 591 |
| Noninterest expense to average assets | 4.0468% | 504 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3129% | 4,878 |
| Return on assets (ROA) | 0.3129% | 4,887 |
| Pretax return on assets | 0.4152% | 4,819 |
| Return on Equity (ROE) | 2.0434% | 4,959 |
| Retained earnings to average equity (ytd only) | 2.0434% | 4,051 |
| Net charge-offs to loans | 0.1200% | 1,023 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.0571% | 2,350 |
| Efficiency ratio | 90.6946% | 368 |
| Assets per employee ($millions) | 3.3296% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 3,799 |
| Loan loss allowance to noncurrent loans | 324.5070% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 3,575 |
| Noncurrent loans to loans | 0.3036% | 3,476 |
| Net loans and leases to total assets | 84.8139% | 297 |
| Net loans and leases to deposits | 103.3426% | 426 |
| Net loans and leases to core deposits | 107.9251% | 1,056 |
| Total domestic deposits to total assets | 82.0706% | 3,706 |
| Equity capital to assets | 15.4139% | 664 |
| Core capital (leverage) ratio | 15.4339% | 609 |
| Tier 1 risk-based capital ratio | 16.2606% | 2,350 |
| Total risk-based capital ratio | 17.1508% | 2,417 |
| Memoranda: | ||
| Average total assets | $136,799,000 | 3,565 |
| Average earning assets | $125,372,500 | 3,580 |
| Average equity | $20,945,500 | 3,073 |
| Average total loans | $116,632,000 | 3,054 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 3,554 |
| Cost of funding earning assets | 0.6299% | 2,525 |
| Net interest margin | 3.5299% | 3,604 |
| Noninterest income to average assets | 1.2494% | 599 |
| Noninterest expense to average assets | 3.9447% | 578 |
| Loan and lease loss provision to assets | 0.0737% | 2,659 |
| Net operating income to assets | 0.3589% | 4,923 |
| Return on assets (ROA) | 0.3589% | 4,921 |
| Pretax return on assets | 0.4564% | 4,863 |
| Return on Equity (ROE) | 2.3502% | 5,000 |
| Retained earnings to average equity (ytd only) | 2.3502% | 4,207 |
| Net charge-offs to loans | 0.0847% | 1,936 |
| Credit loss provision to net charge-offs | 106.4516% | 2,403 |
| Earnings coverage of net charge-offs (x) | 7.6559% | 2,968 |
| Efficiency ratio | 88.1531% | 426 |
| Assets per employee ($millions) | 4.2839% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 3,559 |
| Loan loss allowance to noncurrent loans | 274.1339% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 2,670 |
| Noncurrent loans to loans | 0.3722% | 3,205 |
| Net loans and leases to total assets | 83.9939% | 417 |
| Net loans and leases to deposits | 101.9479% | 596 |
| Net loans and leases to core deposits | 106.1695% | 1,257 |
| Total domestic deposits to total assets | 82.3890% | 3,523 |
| Equity capital to assets | 15.2088% | 665 |
| Core capital (leverage) ratio | 15.1779% | 654 |
| Tier 1 risk-based capital ratio | 15.9475% | 2,422 |
| Total risk-based capital ratio | 16.8555% | 2,495 |
| Memoranda: | ||
| Average total assets | $134,305,400 | 3,589 |
| Average earning assets | $122,721,800 | 3,604 |
| Average equity | $20,509,000 | 3,046 |
| Average total loans | $109,814,600 | 3,132 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0850% | 3,684 |
| Cost of funding earning assets | 0.6087% | 2,413 |
| Net interest margin | 3.4763% | 3,775 |
| Noninterest income to average assets | 1.3232% | 547 |
| Noninterest expense to average assets | 3.9457% | 563 |
| Loan and lease loss provision to assets | 0.0988% | 2,018 |
| Net operating income to assets | 0.3652% | 5,001 |
| Return on assets (ROA) | 0.3652% | 5,001 |
| Pretax return on assets | 0.4530% | 4,964 |
| Return on Equity (ROE) | 2.3893% | 5,085 |
| Retained earnings to average equity (ytd only) | 2.3893% | 4,442 |
| Net charge-offs to loans | 0.1121% | 1,373 |
| Credit loss provision to net charge-offs | 108.7912% | 2,126 |
| Earnings coverage of net charge-offs (x) | 6.0769% | 2,917 |
| Efficiency ratio | 87.7302% | 416 |
| Assets per employee ($millions) | 4.3055% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 3,524 |
| Loan loss allowance to noncurrent loans | 199.1625% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 2,410 |
| Noncurrent loans to loans | 0.5228% | 2,817 |
| Net loans and leases to total assets | 82.0229% | 714 |
| Net loans and leases to deposits | 99.4150% | 834 |
| Net loans and leases to core deposits | 103.4967% | 1,490 |
| Total domestic deposits to total assets | 82.5055% | 3,460 |
| Equity capital to assets | 14.9853% | 722 |
| Core capital (leverage) ratio | 15.2001% | 656 |
| Tier 1 risk-based capital ratio | 15.9662% | 2,462 |
| Total risk-based capital ratio | 16.8856% | 2,527 |
| Memoranda: | ||
| Average total assets | $133,610,500 | 3,628 |
| Average earning assets | $122,004,000 | 3,644 |
| Average equity | $20,424,000 | 3,076 |
| Average total loans | $108,185,750 | 3,189 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 3,703 |
| Cost of funding earning assets | 0.5888% | 2,304 |
| Net interest margin | 3.4381% | 3,839 |
| Noninterest income to average assets | 1.2887% | 580 |
| Noninterest expense to average assets | 3.9812% | 548 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3630% | 5,032 |
| Return on assets (ROA) | 0.3630% | 5,029 |
| Pretax return on assets | 0.4432% | 4,996 |
| Return on Equity (ROE) | 2.3587% | 5,128 |
| Retained earnings to average equity (ytd only) | 2.3587% | 4,334 |
| Net charge-offs to loans | 0.0264% | 2,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 20.9286% | 1,789 |
| Efficiency ratio | 89.9829% | 370 |
| Assets per employee ($millions) | 4.1710% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 3,528 |
| Loan loss allowance to noncurrent loans | 177.0865% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 2,650 |
| Noncurrent loans to loans | 0.5936% | 2,640 |
| Net loans and leases to total assets | 82.3065% | 677 |
| Net loans and leases to deposits | 100.1632% | 796 |
| Net loans and leases to core deposits | 103.7512% | 1,415 |
| Total domestic deposits to total assets | 82.1724% | 3,660 |
| Equity capital to assets | 15.3499% | 616 |
| Core capital (leverage) ratio | 15.4503% | 578 |
| Tier 1 risk-based capital ratio | 16.3845% | 2,297 |
| Total risk-based capital ratio | 17.3178% | 2,354 |
| Memoranda: | ||
| Average total assets | $132,222,330 | 3,672 |
| Average earning assets | $120,591,000 | 3,699 |
| Average equity | $20,350,000 | 3,098 |
| Average total loans | $106,182,330 | 3,236 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 3,888 |
| Cost of funding earning assets | 0.5658% | 2,276 |
| Net interest margin | 3.3479% | 4,059 |
| Noninterest income to average assets | 1.2766% | 571 |
| Noninterest expense to average assets | 3.8390% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4316% | 4,858 |
| Return on assets (ROA) | 0.4316% | 4,865 |
| Pretax return on assets | 0.4955% | 4,880 |
| Return on Equity (ROE) | 2.8007% | 5,059 |
| Retained earnings to average equity (ytd only) | 2.8007% | 4,070 |
| Net charge-offs to loans | -0.0154% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5694% | 504 |
| Assets per employee ($millions) | 4.1300% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 3,300 |
| Loan loss allowance to noncurrent loans | 151.5345% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 2,551 |
| Noncurrent loans to loans | 0.7344% | 2,371 |
| Net loans and leases to total assets | 79.6701% | 981 |
| Net loans and leases to deposits | 96.7926% | 954 |
| Net loans and leases to core deposits | 100.2724% | 1,668 |
| Total domestic deposits to total assets | 82.3101% | 3,869 |
| Equity capital to assets | 15.4094% | 585 |
| Core capital (leverage) ratio | 15.6525% | 541 |
| Tier 1 risk-based capital ratio | 16.5402% | 2,259 |
| Total risk-based capital ratio | 17.5027% | 2,325 |
| Memoranda: | ||
| Average total assets | $131,597,000 | 3,722 |
| Average earning assets | $120,193,000 | 3,744 |
| Average equity | $20,281,000 | 3,135 |
| Average total loans | $103,761,500 | 3,292 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8086% | 4,023 |
| Cost of funding earning assets | 0.5860% | 1,705 |
| Net interest margin | 3.2226% | 4,383 |
| Noninterest income to average assets | 1.6856% | 383 |
| Noninterest expense to average assets | 3.8962% | 617 |
| Loan and lease loss provision to assets | 0.0808% | 2,586 |
| Net operating income to assets | 0.6019% | 4,000 |
| Return on assets (ROA) | 0.6019% | 4,039 |
| Pretax return on assets | 0.6355% | 4,666 |
| Return on Equity (ROE) | 4.6392% | 4,307 |
| Retained earnings to average equity (ytd only) | 4.6392% | 2,364 |
| Net charge-offs to loans | 0.0591% | 2,623 |
| Credit loss provision to net charge-offs | 177.1930% | 1,527 |
| Earnings coverage of net charge-offs (x) | 15.7018% | 2,228 |
| Efficiency ratio | 84.4352% | 740 |
| Assets per employee ($millions) | 4.6798% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 2,962 |
| Loan loss allowance to noncurrent loans | 305.1680% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 3,701 |
| Noncurrent loans to loans | 0.3830% | 3,380 |
| Net loans and leases to total assets | 76.2130% | 1,552 |
| Net loans and leases to deposits | 92.6598% | 1,428 |
| Net loans and leases to core deposits | 95.7818% | 2,041 |
| Total domestic deposits to total assets | 82.2504% | 3,803 |
| Equity capital to assets | 15.4136% | 600 |
| Core capital (leverage) ratio | 15.5744% | 530 |
| Tier 1 risk-based capital ratio | 17.0116% | 2,088 |
| Total risk-based capital ratio | 18.0063% | 2,123 |
| Memoranda: | ||
| Average total assets | $124,942,000 | 3,820 |
| Average earning assets | $113,481,200 | 3,853 |
| Average equity | $16,209,800 | 3,568 |
| Average total loans | $96,428,200 | 3,406 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 3,836 |
| Cost of funding earning assets | 0.5921% | 1,585 |
| Net interest margin | 3.2562% | 4,306 |
| Noninterest income to average assets | 1.8117% | 360 |
| Noninterest expense to average assets | 3.9204% | 578 |
| Loan and lease loss provision to assets | 0.1091% | 1,951 |
| Net operating income to assets | 0.5283% | 4,655 |
| Return on assets (ROA) | 0.5283% | 4,688 |
| Pretax return on assets | 0.7346% | 4,524 |
| Return on Equity (ROE) | 4.2857% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.2857% | 3,352 |
| Net charge-offs to loans | 0.0994% | 1,789 |
| Credit loss provision to net charge-offs | 142.2535% | 1,756 |
| Earnings coverage of net charge-offs (x) | 11.0005% | 2,538 |
| Efficiency ratio | 82.2676% | 891 |
| Assets per employee ($millions) | 3.9275% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 3,340 |
| Loan loss allowance to noncurrent loans | 496.5957% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 4,380 |
| Noncurrent loans to loans | 0.2267% | 4,159 |
| Net loans and leases to total assets | 79.0858% | 1,112 |
| Net loans and leases to deposits | 96.5569% | 1,058 |
| Net loans and leases to core deposits | 99.3034% | 1,769 |
| Total domestic deposits to total assets | 81.9059% | 3,807 |
| Equity capital to assets | 15.3388% | 666 |
| Core capital (leverage) ratio | 15.4315% | 589 |
| Tier 1 risk-based capital ratio | 16.8746% | 2,190 |
| Total risk-based capital ratio | 17.8652% | 2,235 |
| Memoranda: | ||
| Average total assets | $123,419,000 | 3,882 |
| Average earning assets | $111,907,750 | 3,923 |
| Average equity | $15,213,000 | 3,728 |
| Average total loans | $95,273,750 | 3,458 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7509% | 4,071 |
| Cost of funding earning assets | 0.5996% | 1,449 |
| Net interest margin | 3.1512% | 4,543 |
| Noninterest income to average assets | 1.9496% | 325 |
| Noninterest expense to average assets | 3.8927% | 594 |
| Loan and lease loss provision to assets | 0.1401% | 1,468 |
| Net operating income to assets | 0.5191% | 4,658 |
| Return on assets (ROA) | 0.5191% | 4,688 |
| Pretax return on assets | 0.7663% | 4,388 |
| Return on Equity (ROE) | 4.6129% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.6129% | 2,965 |
| Net charge-offs to loans | -0.0151% | 4,672 |
| Credit loss provision to net charge-offs | -1,214.2857% | 4,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0783% | 1,102 |
| Assets per employee ($millions) | 3.9024% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 2,694 |
| Loan loss allowance to noncurrent loans | 251.3292% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3797% | 3,591 |
| Noncurrent loans to loans | 0.4970% | 3,264 |
| Net loans and leases to total assets | 75.4550% | 1,621 |
| Net loans and leases to deposits | 86.0385% | 2,211 |
| Net loans and leases to core deposits | 88.5328% | 2,654 |
| Total domestic deposits to total assets | 87.6992% | 1,616 |
| Equity capital to assets | 10.7097% | 3,125 |
| Core capital (leverage) ratio | 11.7026% | 1,827 |
| Tier 1 risk-based capital ratio | 12.0416% | 4,607 |
| Total risk-based capital ratio | 13.1147% | 4,614 |
| Memoranda: | ||
| Average total assets | $121,356,670 | 3,944 |
| Average earning assets | $109,735,000 | 3,981 |
| Average equity | $13,657,330 | 3,940 |
| Average total loans | $92,476,000 | 3,527 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7723% | 3,859 |
| Cost of funding earning assets | 0.6081% | 1,317 |
| Net interest margin | 3.1642% | 4,455 |
| Noninterest income to average assets | 2.1828% | 280 |
| Noninterest expense to average assets | 3.8693% | 626 |
| Loan and lease loss provision to assets | 0.0340% | 3,103 |
| Net operating income to assets | 0.7684% | 3,376 |
| Return on assets (ROA) | 0.7684% | 3,432 |
| Pretax return on assets | 1.1458% | 2,791 |
| Return on Equity (ROE) | 6.6519% | 3,578 |
| Retained earnings to average equity (ytd only) | 6.6519% | 2,002 |
| Net charge-offs to loans | -0.0134% | 4,540 |
| Credit loss provision to net charge-offs | -333.3333% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6330% | 1,814 |
| Assets per employee ($millions) | 3.8483% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,834 |
| Loan loss allowance to noncurrent loans | 268.6916% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 3,649 |
| Noncurrent loans to loans | 0.4647% | 3,422 |
| Net loans and leases to total assets | 76.2482% | 1,373 |
| Net loans and leases to deposits | 87.8121% | 1,827 |
| Net loans and leases to core deposits | 90.5869% | 2,303 |
| Total domestic deposits to total assets | 86.8311% | 2,295 |
| Equity capital to assets | 11.4866% | 2,189 |
| Core capital (leverage) ratio | 11.8098% | 1,747 |
| Tier 1 risk-based capital ratio | 12.5361% | 4,365 |
| Total risk-based capital ratio | 13.5882% | 4,391 |
| Memoranda: | ||
| Average total assets | $117,645,000 | 4,037 |
| Average earning assets | $106,567,500 | 4,075 |
| Average equity | $13,590,000 | 3,979 |
| Average total loans | $89,514,000 | 3,607 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7956% | 3,927 |
| Cost of funding earning assets | 0.7103% | 778 |
| Net interest margin | 3.0854% | 4,766 |
| Noninterest income to average assets | 3.0581% | 195 |
| Noninterest expense to average assets | 4.2442% | 467 |
| Loan and lease loss provision to assets | 0.0736% | 2,885 |
| Net operating income to assets | 1.2953% | 1,223 |
| Return on assets (ROA) | 1.2953% | 1,297 |
| Pretax return on assets | 1.5304% | 1,492 |
| Return on Equity (ROE) | 11.3424% | 1,450 |
| Retained earnings to average equity (ytd only) | 11.3424% | 270 |
| Net charge-offs to loans | -0.0211% | 5,145 |
| Credit loss provision to net charge-offs | -461.1111% | 5,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5728% | 2,493 |
| Assets per employee ($millions) | 4.1426% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 2,499 |
| Loan loss allowance to noncurrent loans | 2,274.0000% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 4,973 |
| Noncurrent loans to loans | 0.0575% | 5,019 |
| Net loans and leases to total assets | 73.9521% | 1,856 |
| Net loans and leases to deposits | 85.1541% | 2,286 |
| Net loans and leases to core deposits | 87.9173% | 2,685 |
| Total domestic deposits to total assets | 86.8450% | 2,224 |
| Equity capital to assets | 11.6187% | 2,069 |
| Core capital (leverage) ratio | 11.6687% | 1,816 |
| Tier 1 risk-based capital ratio | 13.0166% | 4,065 |
| Total risk-based capital ratio | 14.1148% | 4,049 |
| Memoranda: | ||
| Average total assets | $112,717,400 | 4,113 |
| Average earning assets | $101,933,200 | 4,171 |
| Average equity | $12,872,000 | 4,108 |
| Average total loans | $85,325,200 | 3,679 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 3,938 |
| Cost of funding earning assets | 0.7359% | 677 |
| Net interest margin | 3.0595% | 4,878 |
| Noninterest income to average assets | 3.2136% | 190 |
| Noninterest expense to average assets | 4.2728% | 458 |
| Loan and lease loss provision to assets | 0.0774% | 2,677 |
| Net operating income to assets | 1.4525% | 972 |
| Return on assets (ROA) | 1.4525% | 1,017 |
| Pretax return on assets | 1.6276% | 1,310 |
| Return on Equity (ROE) | 12.7767% | 1,113 |
| Retained earnings to average equity (ytd only) | 12.7767% | 233 |
| Net charge-offs to loans | -0.0267% | 5,114 |
| Credit loss provision to net charge-offs | -382.3529% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4770% | 2,657 |
| Assets per employee ($millions) | 4.2541% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 2,868 |
| Loan loss allowance to noncurrent loans | 2,378.7234% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.1419% | 4,867 |
| Noncurrent loans to loans | 0.0531% | 5,142 |
| Net loans and leases to total assets | 76.0221% | 1,518 |
| Net loans and leases to deposits | 87.3382% | 2,101 |
| Net loans and leases to core deposits | 90.2093% | 2,557 |
| Total domestic deposits to total assets | 87.0434% | 1,871 |
| Equity capital to assets | 11.5236% | 2,493 |
| Core capital (leverage) ratio | 11.6963% | 1,889 |
| Tier 1 risk-based capital ratio | 13.1622% | 4,057 |
| Total risk-based capital ratio | 14.2739% | 4,060 |
| Memoranda: | ||
| Average total assets | $111,898,250 | 4,158 |
| Average earning assets | $101,102,500 | 4,214 |
| Average equity | $12,720,750 | 4,173 |
| Average total loans | $84,927,250 | 3,708 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7803% | 4,023 |
| Cost of funding earning assets | 0.7537% | 614 |
| Net interest margin | 3.0266% | 5,026 |
| Noninterest income to average assets | 3.4604% | 173 |
| Noninterest expense to average assets | 4.4739% | 394 |
| Loan and lease loss provision to assets | 0.0451% | 3,249 |
| Net operating income to assets | 1.6698% | 614 |
| Return on assets (ROA) | 1.6698% | 652 |
| Pretax return on assets | 1.6716% | 1,167 |
| Return on Equity (ROE) | 14.7581% | 709 |
| Retained earnings to average equity (ytd only) | 14.7581% | 155 |
| Net charge-offs to loans | -0.0573% | 5,417 |
| Credit loss provision to net charge-offs | -104.1667% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2692% | 2,610 |
| Assets per employee ($millions) | 4.9246% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 3,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 4,909 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 75.8584% | 1,513 |
| Net loans and leases to deposits | 86.9232% | 2,144 |
| Net loans and leases to core deposits | 89.8192% | 2,549 |
| Total domestic deposits to total assets | 87.2706% | 1,768 |
| Equity capital to assets | 11.4272% | 2,621 |
| Core capital (leverage) ratio | 11.6594% | 1,866 |
| Tier 1 risk-based capital ratio | 13.2073% | 4,070 |
| Total risk-based capital ratio | 14.3144% | 4,084 |
| Memoranda: | ||
| Average total assets | $110,911,000 | 4,213 |
| Average earning assets | $100,045,000 | 4,268 |
| Average equity | $12,549,000 | 4,222 |
| Average total loans | $83,757,330 | 3,752 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 4,178 |
| Cost of funding earning assets | 0.8060% | 484 |
| Net interest margin | 2.9323% | 5,256 |
| Noninterest income to average assets | 4.8481% | 125 |
| Noninterest expense to average assets | 5.4131% | 219 |
| Loan and lease loss provision to assets | 0.0911% | 2,164 |
| Net operating income to assets | 2.4423% | 170 |
| Return on assets (ROA) | 2.4423% | 177 |
| Pretax return on assets | 1.9830% | 590 |
| Return on Equity (ROE) | 21.6969% | 170 |
| Retained earnings to average equity (ytd only) | 21.6969% | 68 |
| Net charge-offs to loans | 0.0584% | 1,926 |
| Credit loss provision to net charge-offs | 208.3333% | 1,047 |
| Earnings coverage of net charge-offs (x) | 47.4167% | 911 |
| Efficiency ratio | 72.2980% | 2,755 |
| Assets per employee ($millions) | 4.7785% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 3,208 |
| Loan loss allowance to noncurrent loans | 2,625.0000% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 4,693 |
| Noncurrent loans to loans | 0.0475% | 5,296 |
| Net loans and leases to total assets | 75.6135% | 1,450 |
| Net loans and leases to deposits | 86.7880% | 1,970 |
| Net loans and leases to core deposits | 89.7664% | 2,398 |
| Total domestic deposits to total assets | 87.1243% | 2,144 |
| Equity capital to assets | 11.5436% | 2,400 |
| Core capital (leverage) ratio | 11.4803% | 1,987 |
| Tier 1 risk-based capital ratio | 13.3299% | 4,079 |
| Total risk-based capital ratio | 14.4331% | 4,072 |
| Memoranda: | ||
| Average total assets | $109,734,000 | 4,266 |
| Average earning assets | $98,760,500 | 4,325 |
| Average equity | $12,352,000 | 4,274 |
| Average total loans | $82,133,000 | 3,798 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9507% | 3,523 |
| Cost of funding earning assets | 0.7895% | 519 |
| Net interest margin | 3.1612% | 4,750 |
| Noninterest income to average assets | 1.6876% | 459 |
| Noninterest expense to average assets | 3.5743% | 1,175 |
| Loan and lease loss provision to assets | 0.0695% | 2,897 |
| Net operating income to assets | 0.5780% | 4,393 |
| Return on assets (ROA) | 0.5780% | 4,484 |
| Pretax return on assets | 0.8882% | 3,890 |
| Return on Equity (ROE) | 5.3091% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.3091% | 2,205 |
| Net charge-offs to loans | 0.3120% | 964 |
| Credit loss provision to net charge-offs | 29.0698% | 3,670 |
| Earnings coverage of net charge-offs (x) | 4.0078% | 3,622 |
| Efficiency ratio | 78.8678% | 1,835 |
| Assets per employee ($millions) | 4.2140% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 3,868 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 72.1749% | 2,022 |
| Net loans and leases to deposits | 84.9231% | 2,254 |
| Net loans and leases to core deposits | 87.9630% | 2,607 |
| Total domestic deposits to total assets | 84.9885% | 3,095 |
| Equity capital to assets | 10.9681% | 2,853 |
| Core capital (leverage) ratio | 11.1877% | 2,229 |
| Tier 1 risk-based capital ratio | 12.9755% | 4,337 |
| Total risk-based capital ratio | 14.0941% | 4,321 |
| Memoranda: | ||
| Average total assets | $107,965,800 | 4,296 |
| Average earning assets | $97,147,400 | 4,366 |
| Average equity | $11,753,400 | 4,347 |
| Average total loans | $82,690,000 | 3,754 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 3,314 |
| Cost of funding earning assets | 0.7888% | 527 |
| Net interest margin | 3.2172% | 4,622 |
| Noninterest income to average assets | 1.7923% | 417 |
| Noninterest expense to average assets | 3.6082% | 1,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6991% | 3,901 |
| Return on assets (ROA) | 0.6991% | 4,014 |
| Pretax return on assets | 1.0809% | 3,307 |
| Return on Equity (ROE) | 6.4341% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.4341% | 1,999 |
| Net charge-offs to loans | 0.0080% | 3,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 174.3088% | 410 |
| Efficiency ratio | 76.9495% | 2,101 |
| Assets per employee ($millions) | 4.2228% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 2,142 |
| Loan loss allowance to noncurrent loans | 186.7692% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 1.0353% | 2,282 |
| Noncurrent loans to loans | 0.8052% | 2,955 |
| Net loans and leases to total assets | 75.3121% | 1,493 |
| Net loans and leases to deposits | 89.1434% | 1,753 |
| Net loans and leases to core deposits | 92.1916% | 2,241 |
| Total domestic deposits to total assets | 84.4842% | 3,228 |
| Equity capital to assets | 11.3261% | 2,672 |
| Core capital (leverage) ratio | 11.1187% | 2,378 |
| Tier 1 risk-based capital ratio | 13.0331% | 4,411 |
| Total risk-based capital ratio | 14.2834% | 4,331 |
| Memoranda: | ||
| Average total assets | $107,566,500 | 4,356 |
| Average earning assets | $96,850,750 | 4,414 |
| Average equity | $11,687,500 | 4,408 |
| Average total loans | $83,334,250 | 3,774 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 3,263 |
| Cost of funding earning assets | 0.7739% | 568 |
| Net interest margin | 3.2328% | 4,554 |
| Noninterest income to average assets | 1.6612% | 481 |
| Noninterest expense to average assets | 3.4740% | 1,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7151% | 3,819 |
| Return on assets (ROA) | 0.7151% | 3,936 |
| Pretax return on assets | 1.1050% | 3,150 |
| Return on Equity (ROE) | 6.6738% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.6738% | 1,861 |
| Net charge-offs to loans | 0.0570% | 2,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 24.9167% | 1,545 |
| Efficiency ratio | 75.8676% | 2,383 |
| Assets per employee ($millions) | 4.5141% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 2,507 |
| Loan loss allowance to noncurrent loans | 176.7751% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 1.1372% | 2,236 |
| Noncurrent loans to loans | 0.8207% | 3,069 |
| Net loans and leases to total assets | 74.9238% | 1,517 |
| Net loans and leases to deposits | 90.9917% | 1,487 |
| Net loans and leases to core deposits | 94.0917% | 1,953 |
| Total domestic deposits to total assets | 82.3414% | 4,174 |
| Equity capital to assets | 10.8734% | 3,020 |
| Core capital (leverage) ratio | 10.8709% | 2,544 |
| Tier 1 risk-based capital ratio | 13.0015% | 4,522 |
| Total risk-based capital ratio | 14.2520% | 4,432 |
| Memoranda: | ||
| Average total assets | $108,232,000 | 4,378 |
| Average earning assets | $97,685,330 | 4,430 |
| Average equity | $11,597,670 | 4,454 |
| Average total loans | $84,205,330 | 3,778 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 3,037 |
| Cost of funding earning assets | 0.7638% | 606 |
| Net interest margin | 3.2881% | 4,272 |
| Noninterest income to average assets | 1.7379% | 435 |
| Noninterest expense to average assets | 3.4055% | 1,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8430% | 3,044 |
| Return on assets (ROA) | 0.8430% | 3,173 |
| Pretax return on assets | 1.3089% | 2,250 |
| Return on Equity (ROE) | 7.9260% | 2,991 |
| Retained earnings to average equity (ytd only) | 7.9260% | 1,594 |
| Net charge-offs to loans | 0.1316% | 1,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 12.6429% | 1,782 |
| Efficiency ratio | 72.2353% | 3,131 |
| Assets per employee ($millions) | 5.4021% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 3,064 |
| Loan loss allowance to noncurrent loans | 150.1892% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.0663% | 2,482 |
| Noncurrent loans to loans | 0.9120% | 2,960 |
| Net loans and leases to total assets | 79.3773% | 760 |
| Net loans and leases to deposits | 96.2384% | 815 |
| Net loans and leases to core deposits | 98.1449% | 1,459 |
| Total domestic deposits to total assets | 82.4798% | 4,359 |
| Equity capital to assets | 10.7552% | 3,253 |
| Core capital (leverage) ratio | 10.7592% | 2,676 |
| Tier 1 risk-based capital ratio | 12.5759% | 4,852 |
| Total risk-based capital ratio | 13.8259% | 4,771 |
| Memoranda: | ||
| Average total assets | $108,179,000 | 4,406 |
| Average earning assets | $97,928,500 | 4,462 |
| Average equity | $11,506,500 | 4,505 |
| Average total loans | $85,125,000 | 3,773 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 3,549 |
| Cost of funding earning assets | 0.7748% | 742 |
| Net interest margin | 3.2673% | 4,692 |
| Noninterest income to average assets | 1.2397% | 788 |
| Noninterest expense to average assets | 3.2541% | 2,063 |
| Loan and lease loss provision to assets | 0.0693% | 3,096 |
| Net operating income to assets | 0.6342% | 4,213 |
| Return on assets (ROA) | 0.6342% | 4,318 |
| Pretax return on assets | 0.9023% | 3,894 |
| Return on Equity (ROE) | 6.1903% | 4,062 |
| Retained earnings to average equity (ytd only) | 6.1903% | 1,817 |
| Net charge-offs to loans | 0.2297% | 1,829 |
| Credit loss provision to net charge-offs | 38.4615% | 3,705 |
| Earnings coverage of net charge-offs (x) | 5.3897% | 3,430 |
| Efficiency ratio | 76.9635% | 2,356 |
| Assets per employee ($millions) | 5.7009% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 2,633 |
| Loan loss allowance to noncurrent loans | 143.0751% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 1.1577% | 2,448 |
| Noncurrent loans to loans | 1.0228% | 2,783 |
| Net loans and leases to total assets | 75.7776% | 1,302 |
| Net loans and leases to deposits | 91.4510% | 1,349 |
| Net loans and leases to core deposits | 92.9769% | 1,994 |
| Total domestic deposits to total assets | 82.8614% | 4,124 |
| Equity capital to assets | 10.5182% | 3,452 |
| Core capital (leverage) ratio | 10.5165% | 2,924 |
| Tier 1 risk-based capital ratio | 13.7349% | 4,276 |
| Total risk-based capital ratio | 15.1034% | 4,138 |
| Memoranda: | ||
| Average total assets | $108,171,200 | 4,412 |
| Average earning assets | $98,858,400 | 4,427 |
| Average equity | $11,081,800 | 4,550 |
| Average total loans | $84,904,400 | 3,741 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0679% | 3,493 |
| Cost of funding earning assets | 0.7740% | 786 |
| Net interest margin | 3.2939% | 4,628 |
| Noninterest income to average assets | 1.2786% | 745 |
| Noninterest expense to average assets | 3.2255% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7423% | 3,713 |
| Return on assets (ROA) | 0.7423% | 3,820 |
| Pretax return on assets | 1.0702% | 3,298 |
| Return on Equity (ROE) | 7.2942% | 3,556 |
| Retained earnings to average equity (ytd only) | 7.2942% | 1,675 |
| Net charge-offs to loans | 0.0656% | 3,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 20.6661% | 1,719 |
| Efficiency ratio | 75.0574% | 2,654 |
| Assets per employee ($millions) | 6.0632% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 2,552 |
| Loan loss allowance to noncurrent loans | 129.2124% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.1793% | 2,595 |
| Noncurrent loans to loans | 1.1912% | 2,670 |
| Net loans and leases to total assets | 75.9660% | 1,226 |
| Net loans and leases to deposits | 91.4896% | 1,283 |
| Net loans and leases to core deposits | 93.5470% | 1,913 |
| Total domestic deposits to total assets | 83.0323% | 4,135 |
| Equity capital to assets | 10.3622% | 3,724 |
| Core capital (leverage) ratio | 10.3597% | 3,200 |
| Tier 1 risk-based capital ratio | 13.8893% | 4,293 |
| Total risk-based capital ratio | 15.2639% | 4,141 |
| Memoranda: | ||
| Average total assets | $108,134,750 | 4,459 |
| Average earning assets | $99,049,750 | 4,458 |
| Average equity | $11,004,000 | 4,595 |
| Average total loans | $85,305,750 | 3,774 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 3,417 |
| Cost of funding earning assets | 0.7752% | 806 |
| Net interest margin | 3.3072% | 4,556 |
| Noninterest income to average assets | 1.3043% | 701 |
| Noninterest expense to average assets | 3.1762% | 2,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7996% | 3,338 |
| Return on assets (ROA) | 0.7996% | 3,442 |
| Pretax return on assets | 1.1595% | 2,832 |
| Return on Equity (ROE) | 7.9066% | 3,152 |
| Retained earnings to average equity (ytd only) | 7.9066% | 1,361 |
| Net charge-offs to loans | 0.0047% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 312.5000% | 222 |
| Efficiency ratio | 73.2135% | 3,120 |
| Assets per employee ($millions) | 5.1415% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 2,616 |
| Loan loss allowance to noncurrent loans | 354.6419% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 4,436 |
| Noncurrent loans to loans | 0.4404% | 4,663 |
| Net loans and leases to total assets | 78.0376% | 903 |
| Net loans and leases to deposits | 93.8463% | 969 |
| Net loans and leases to core deposits | 96.2421% | 1,583 |
| Total domestic deposits to total assets | 83.1547% | 4,244 |
| Equity capital to assets | 10.3148% | 3,668 |
| Core capital (leverage) ratio | 10.3123% | 3,197 |
| Tier 1 risk-based capital ratio | 13.6346% | 4,499 |
| Total risk-based capital ratio | 15.0037% | 4,363 |
| Memoranda: | ||
| Average total assets | $107,800,670 | 4,492 |
| Average earning assets | $98,815,670 | 4,501 |
| Average equity | $10,902,330 | 4,635 |
| Average total loans | $85,673,330 | 3,774 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 3,502 |
| Cost of funding earning assets | 0.7854% | 803 |
| Net interest margin | 3.2591% | 4,706 |
| Noninterest income to average assets | 1.3851% | 607 |
| Noninterest expense to average assets | 3.0265% | 2,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8801% | 2,744 |
| Return on assets (ROA) | 0.8801% | 2,811 |
| Pretax return on assets | 1.3480% | 1,925 |
| Return on Equity (ROE) | 8.7900% | 2,555 |
| Retained earnings to average equity (ytd only) | 8.7900% | 1,317 |
| Net charge-offs to loans | 0.1073% | 2,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 15.7826% | 1,532 |
| Efficiency ratio | 69.1002% | 3,983 |
| Assets per employee ($millions) | 5.1199% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 3,078 |
| Loan loss allowance to noncurrent loans | 334.8601% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.5878% | 4,385 |
| Noncurrent loans to loans | 0.4527% | 4,794 |
| Net loans and leases to total assets | 79.5095% | 604 |
| Net loans and leases to deposits | 95.5867% | 682 |
| Net loans and leases to core deposits | 97.7743% | 1,252 |
| Total domestic deposits to total assets | 83.1805% | 4,540 |
| Equity capital to assets | 10.1778% | 3,623 |
| Core capital (leverage) ratio | 10.1753% | 3,320 |
| Tier 1 risk-based capital ratio | 13.4156% | 4,756 |
| Total risk-based capital ratio | 14.7792% | 4,600 |
| Memoranda: | ||
| Average total assets | $107,715,500 | 4,535 |
| Average earning assets | $98,799,500 | 4,546 |
| Average equity | $10,785,000 | 4,670 |
| Average total loans | $85,712,500 | 3,803 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 3,975 |
| Cost of funding earning assets | 0.8282% | 1,047 |
| Net interest margin | 3.2033% | 4,990 |
| Noninterest income to average assets | 1.5781% | 577 |
| Noninterest expense to average assets | 3.0618% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9582% | 2,522 |
| Return on assets (ROA) | 0.9582% | 2,586 |
| Pretax return on assets | 1.4477% | 1,627 |
| Return on Equity (ROE) | 9.9476% | 2,137 |
| Retained earnings to average equity (ytd only) | 9.9476% | 569 |
| Net charge-offs to loans | -0.0188% | 6,127 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8751% | 4,217 |
| Assets per employee ($millions) | 5.1387% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 2,830 |
| Loan loss allowance to noncurrent loans | 391.5205% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5458% | 4,590 |
| Noncurrent loans to loans | 0.4042% | 4,995 |
| Net loans and leases to total assets | 77.1761% | 930 |
| Net loans and leases to deposits | 94.2254% | 863 |
| Net loans and leases to core deposits | 96.4024% | 1,421 |
| Total domestic deposits to total assets | 81.9058% | 4,907 |
| Equity capital to assets | 9.8477% | 3,963 |
| Core capital (leverage) ratio | 9.8444% | 3,785 |
| Tier 1 risk-based capital ratio | 13.6792% | 4,531 |
| Total risk-based capital ratio | 15.0377% | 4,392 |
| Memoranda: | ||
| Average total assets | $105,821,000 | 4,596 |
| Average earning assets | $96,837,400 | 4,597 |
| Average equity | $10,193,400 | 4,797 |
| Average total loans | $79,701,200 | 3,946 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0033% | 4,122 |
| Cost of funding earning assets | 0.8284% | 1,166 |
| Net interest margin | 3.1750% | 5,072 |
| Noninterest income to average assets | 1.7790% | 491 |
| Noninterest expense to average assets | 3.0263% | 2,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0965% | 2,020 |
| Return on assets (ROA) | 1.0965% | 2,093 |
| Pretax return on assets | 1.6550% | 1,198 |
| Return on Equity (ROE) | 11.4491% | 1,666 |
| Retained earnings to average equity (ytd only) | 11.4491% | 507 |
| Net charge-offs to loans | 0.0221% | 4,688 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 100.5551% | 496 |
| Efficiency ratio | 64.6200% | 4,706 |
| Assets per employee ($millions) | 5.1088% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 3,261 |
| Loan loss allowance to noncurrent loans | 463.2509% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.8538% | 3,981 |
| Noncurrent loans to loans | 0.3331% | 5,388 |
| Net loans and leases to total assets | 77.9671% | 746 |
| Net loans and leases to deposits | 95.4079% | 735 |
| Net loans and leases to core deposits | 96.8922% | 1,325 |
| Total domestic deposits to total assets | 81.7197% | 5,021 |
| Equity capital to assets | 9.7674% | 4,222 |
| Core capital (leverage) ratio | 9.7641% | 4,011 |
| Tier 1 risk-based capital ratio | 13.3475% | 4,873 |
| Total risk-based capital ratio | 14.6982% | 4,743 |
| Memoranda: | ||
| Average total assets | $105,298,000 | 4,661 |
| Average earning assets | $96,250,500 | 4,661 |
| Average equity | $10,085,000 | 4,877 |
| Average total loans | $78,471,000 | 4,014 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9957% | 4,128 |
| Cost of funding earning assets | 0.8410% | 1,194 |
| Net interest margin | 3.1547% | 5,110 |
| Noninterest income to average assets | 2.1905% | 394 |
| Noninterest expense to average assets | 3.0468% | 2,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3533% | 1,184 |
| Return on assets (ROA) | 1.3533% | 1,267 |
| Pretax return on assets | 2.0261% | 575 |
| Return on Equity (ROE) | 14.2259% | 959 |
| Retained earnings to average equity (ytd only) | 14.2259% | 290 |
| Net charge-offs to loans | 0.0236% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 117.7778% | 409 |
| Efficiency ratio | 60.0226% | 5,483 |
| Assets per employee ($millions) | 4.8632% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 2,944 |
| Loan loss allowance to noncurrent loans | 391.3690% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 4,067 |
| Noncurrent loans to loans | 0.4237% | 5,201 |
| Net loans and leases to total assets | 76.3571% | 945 |
| Net loans and leases to deposits | 90.6999% | 1,082 |
| Net loans and leases to core deposits | 92.8180% | 1,629 |
| Total domestic deposits to total assets | 84.1865% | 4,246 |
| Equity capital to assets | 10.1059% | 3,779 |
| Core capital (leverage) ratio | 10.1024% | 3,365 |
| Tier 1 risk-based capital ratio | 14.0322% | 4,399 |
| Total risk-based capital ratio | 15.3950% | 4,286 |
| Memoranda: | ||
| Average total assets | $104,635,670 | 4,711 |
| Average earning assets | $95,602,330 | 4,706 |
| Average equity | $9,953,670 | 4,954 |
| Average total loans | $76,308,670 | 4,094 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 4,111 |
| Cost of funding earning assets | 0.8466% | 1,268 |
| Net interest margin | 3.1552% | 5,073 |
| Noninterest income to average assets | 1.9870% | 433 |
| Noninterest expense to average assets | 3.0976% | 2,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1861% | 1,565 |
| Return on assets (ROA) | 1.1861% | 1,678 |
| Pretax return on assets | 1.7754% | 927 |
| Return on Equity (ROE) | 12.8557% | 1,203 |
| Retained earnings to average equity (ytd only) | 12.8557% | 575 |
| Net charge-offs to loans | 0.0642% | 3,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 39.1667% | 802 |
| Efficiency ratio | 63.5659% | 5,074 |
| Assets per employee ($millions) | 5.0450% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7502% | 2,808 |
| Loan loss allowance to noncurrent loans | 512.5000% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 4,216 |
| Noncurrent loans to loans | 0.3415% | 5,547 |
| Net loans and leases to total assets | 69.5207% | 1,751 |
| Net loans and leases to deposits | 81.7223% | 1,868 |
| Net loans and leases to core deposits | 83.5343% | 2,383 |
| Total domestic deposits to total assets | 85.0695% | 4,008 |
| Equity capital to assets | 9.3700% | 5,030 |
| Core capital (leverage) ratio | 9.3658% | 4,295 |
| Tier 1 risk-based capital ratio | 13.1353% | 5,114 |
| Total risk-based capital ratio | 14.3916% | 5,066 |
| Memoranda: | ||
| Average total assets | $105,889,500 | 4,722 |
| Average earning assets | $96,857,000 | 4,714 |
| Average equity | $9,770,000 | 5,046 |
| Average total loans | $74,814,500 | 4,176 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 4,920 |
| Cost of funding earning assets | 1.0153% | 1,274 |
| Net interest margin | 3.0927% | 5,830 |
| Noninterest income to average assets | 2.3296% | 346 |
| Noninterest expense to average assets | 3.0231% | 3,190 |
| Loan and lease loss provision to assets | 0.4793% | 1,283 |
| Net operating income to assets | 1.1361% | 1,816 |
| Return on assets (ROA) | 1.1361% | 1,990 |
| Pretax return on assets | 1.6756% | 1,196 |
| Return on Equity (ROE) | 13.8656% | 1,014 |
| Retained earnings to average equity (ytd only) | 13.8656% | 206 |
| Net charge-offs to loans | 0.9295% | 1,208 |
| Credit loss provision to net charge-offs | 72.2380% | 4,095 |
| Earnings coverage of net charge-offs (x) | 3.2479% | 3,803 |
| Efficiency ratio | 58.3485% | 5,781 |
| Assets per employee ($millions) | 5.0398% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7733% | 2,677 |
| Loan loss allowance to noncurrent loans | 298.8713% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 1.2472% | 3,564 |
| Noncurrent loans to loans | 0.5933% | 5,041 |
| Net loans and leases to total assets | 69.2965% | 1,974 |
| Net loans and leases to deposits | 81.4310% | 2,083 |
| Net loans and leases to core deposits | 82.8953% | 2,678 |
| Total domestic deposits to total assets | 85.0985% | 3,817 |
| Equity capital to assets | 9.0830% | 5,423 |
| Core capital (leverage) ratio | 9.0787% | 4,769 |
| Tier 1 risk-based capital ratio | 12.7209% | 5,315 |
| Total risk-based capital ratio | 13.9774% | 5,245 |
| Memoranda: | ||
| Average total assets | $106,412,400 | 4,667 |
| Average earning assets | $98,003,800 | 4,636 |
| Average equity | $8,719,400 | 5,300 |
| Average total loans | $75,952,200 | 4,156 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0902% | 5,222 |
| Cost of funding earning assets | 1.0425% | 1,320 |
| Net interest margin | 3.0476% | 6,068 |
| Noninterest income to average assets | 1.8469% | 472 |
| Noninterest expense to average assets | 2.9267% | 3,493 |
| Loan and lease loss provision to assets | 0.4454% | 1,413 |
| Net operating income to assets | 0.8809% | 3,076 |
| Return on assets (ROA) | 0.8809% | 3,318 |
| Pretax return on assets | 1.2875% | 2,650 |
| Return on Equity (ROE) | 11.0480% | 1,935 |
| Retained earnings to average equity (ytd only) | 11.0480% | 673 |
| Net charge-offs to loans | 0.9894% | 1,074 |
| Credit loss provision to net charge-offs | 62.8975% | 4,078 |
| Earnings coverage of net charge-offs (x) | 2.4470% | 4,059 |
| Efficiency ratio | 62.7820% | 5,016 |
| Assets per employee ($millions) | 5.1032% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7060% | 3,130 |
| Loan loss allowance to noncurrent loans | 156.8862% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 1.8317% | 2,883 |
| Noncurrent loans to loans | 1.0874% | 4,264 |
| Net loans and leases to total assets | 70.4312% | 1,824 |
| Net loans and leases to deposits | 81.8227% | 2,148 |
| Net loans and leases to core deposits | 83.4972% | 2,760 |
| Total domestic deposits to total assets | 86.0778% | 3,207 |
| Equity capital to assets | 8.2693% | 6,446 |
| Core capital (leverage) ratio | 8.2642% | 6,069 |
| Tier 1 risk-based capital ratio | 13.6633% | 4,772 |
| Total risk-based capital ratio | 14.9222% | 4,723 |
| Memoranda: | ||
| Average total assets | $106,556,750 | 4,719 |
| Average earning assets | $98,347,000 | 4,684 |
| Average equity | $8,496,000 | 5,414 |
| Average total loans | $76,274,250 | 4,192 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 5,326 |
| Cost of funding earning assets | 1.0669% | 1,370 |
| Net interest margin | 3.0295% | 6,175 |
| Noninterest income to average assets | 1.6586% | 541 |
| Noninterest expense to average assets | 2.9205% | 3,545 |
| Loan and lease loss provision to assets | 0.3028% | 2,169 |
| Net operating income to assets | 0.8462% | 3,162 |
| Return on assets (ROA) | 0.8462% | 3,430 |
| Pretax return on assets | 1.2336% | 2,788 |
| Return on Equity (ROE) | 10.7476% | 2,080 |
| Retained earnings to average equity (ytd only) | 10.7476% | 796 |
| Net charge-offs to loans | 1.0013% | 1,108 |
| Credit loss provision to net charge-offs | 42.2572% | 4,210 |
| Earnings coverage of net charge-offs (x) | 2.1444% | 3,913 |
| Efficiency ratio | 65.5274% | 4,617 |
| Assets per employee ($millions) | 5.0763% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6808% | 3,311 |
| Loan loss allowance to noncurrent loans | 88.3152% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 2.1566% | 2,604 |
| Noncurrent loans to loans | 1.9032% | 3,072 |
| Net loans and leases to total assets | 71.3348% | 1,675 |
| Net loans and leases to deposits | 82.5508% | 2,038 |
| Net loans and leases to core deposits | 84.2352% | 2,660 |
| Total domestic deposits to total assets | 86.4131% | 3,133 |
| Equity capital to assets | 8.0748% | 6,528 |
| Core capital (leverage) ratio | 8.0688% | 6,196 |
| Tier 1 risk-based capital ratio | 13.5543% | 4,782 |
| Total risk-based capital ratio | 14.8134% | 4,739 |
| Memoranda: | ||
| Average total assets | $106,353,330 | 4,744 |
| Average earning assets | $98,232,670 | 4,708 |
| Average equity | $8,374,000 | 5,451 |
| Average total loans | $76,102,670 | 4,219 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 5,488 |
| Cost of funding earning assets | 1.1042% | 1,386 |
| Net interest margin | 2.9867% | 6,318 |
| Noninterest income to average assets | 1.5853% | 576 |
| Noninterest expense to average assets | 2.8919% | 3,654 |
| Loan and lease loss provision to assets | 0.3690% | 1,712 |
| Net operating income to assets | 0.7456% | 3,648 |
| Return on assets (ROA) | 0.7456% | 3,884 |
| Pretax return on assets | 1.0845% | 3,386 |
| Return on Equity (ROE) | 9.5919% | 2,563 |
| Retained earnings to average equity (ytd only) | 9.5919% | 1,385 |
| Net charge-offs to loans | 0.4981% | 1,845 |
| Credit loss provision to net charge-offs | 104.2553% | 2,217 |
| Earnings coverage of net charge-offs (x) | 4.1064% | 2,659 |
| Efficiency ratio | 66.5511% | 4,453 |
| Assets per employee ($millions) | 5.3745% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 3,955 |
| Loan loss allowance to noncurrent loans | 70.3237% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 2.3072% | 2,571 |
| Noncurrent loans to loans | 2.2002% | 2,916 |
| Net loans and leases to total assets | 69.4390% | 1,849 |
| Net loans and leases to deposits | 79.9015% | 2,214 |
| Net loans and leases to core deposits | 81.5025% | 2,896 |
| Total domestic deposits to total assets | 86.9058% | 3,011 |
| Equity capital to assets | 7.7737% | 6,643 |
| Core capital (leverage) ratio | 7.7677% | 6,438 |
| Tier 1 risk-based capital ratio | 13.0565% | 5,169 |
| Total risk-based capital ratio | 14.3123% | 5,131 |
| Memoranda: | ||
| Average total assets | $106,228,500 | 4,785 |
| Average earning assets | $98,170,000 | 4,742 |
| Average equity | $8,257,000 | 5,513 |
| Average total loans | $75,481,500 | 4,258 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5387% | 4,921 |
| Cost of funding earning assets | 1.3557% | 1,217 |
| Net interest margin | 3.1831% | 6,147 |
| Noninterest income to average assets | 1.1041% | 1,090 |
| Noninterest expense to average assets | 2.8609% | 4,124 |
| Loan and lease loss provision to assets | 0.5160% | 2,039 |
| Net operating income to assets | 0.4325% | 4,720 |
| Return on assets (ROA) | 0.4293% | 4,934 |
| Pretax return on assets | 0.6584% | 4,483 |
| Return on Equity (ROE) | 5.6161% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.6161% | 2,235 |
| Net charge-offs to loans | 0.9607% | 1,796 |
| Credit loss provision to net charge-offs | 71.5621% | 4,793 |
| Earnings coverage of net charge-offs (x) | 1.6355% | 4,545 |
| Efficiency ratio | 70.8125% | 3,810 |
| Assets per employee ($millions) | 4.9984% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 4,557 |
| Loan loss allowance to noncurrent loans | 54.5216% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 2.5903% | 2,346 |
| Noncurrent loans to loans | 2.5309% | 2,598 |
| Net loans and leases to total assets | 70.6060% | 1,903 |
| Net loans and leases to deposits | 81.2830% | 2,311 |
| Net loans and leases to core deposits | 82.9812% | 3,028 |
| Total domestic deposits to total assets | 86.8644% | 2,837 |
| Equity capital to assets | 7.7720% | 6,702 |
| Core capital (leverage) ratio | 7.7658% | 6,474 |
| Tier 1 risk-based capital ratio | 13.2141% | 4,904 |
| Total risk-based capital ratio | 14.4705% | 4,879 |
| Memoranda: | ||
| Average total assets | $103,883,400 | 4,796 |
| Average earning assets | $95,819,800 | 4,759 |
| Average equity | $7,941,400 | 5,587 |
| Average total loans | $77,960,000 | 4,214 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 4,883 |
| Cost of funding earning assets | 1.3931% | 1,264 |
| Net interest margin | 3.2021% | 6,156 |
| Noninterest income to average assets | 0.9703% | 1,418 |
| Noninterest expense to average assets | 2.8387% | 4,195 |
| Loan and lease loss provision to assets | 0.4002% | 2,450 |
| Net operating income to assets | 0.4871% | 4,593 |
| Return on assets (ROA) | 0.4826% | 4,814 |
| Pretax return on assets | 0.6769% | 4,561 |
| Return on Equity (ROE) | 6.3392% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.3392% | 2,335 |
| Net charge-offs to loans | 0.8339% | 1,907 |
| Credit loss provision to net charge-offs | 63.2114% | 4,698 |
| Earnings coverage of net charge-offs (x) | 1.7114% | 4,373 |
| Efficiency ratio | 72.3753% | 3,479 |
| Assets per employee ($millions) | 4.8624% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 4,810 |
| Loan loss allowance to noncurrent loans | 46.3140% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 2.7676% | 2,349 |
| Noncurrent loans to loans | 2.8980% | 2,410 |
| Net loans and leases to total assets | 76.8818% | 856 |
| Net loans and leases to deposits | 89.1068% | 1,308 |
| Net loans and leases to core deposits | 90.7813% | 2,152 |
| Total domestic deposits to total assets | 86.2805% | 3,054 |
| Equity capital to assets | 7.9199% | 6,744 |
| Core capital (leverage) ratio | 7.9127% | 6,473 |
| Tier 1 risk-based capital ratio | 12.7564% | 5,286 |
| Total risk-based capital ratio | 14.0117% | 5,264 |
| Memoranda: | ||
| Average total assets | $103,612,500 | 4,827 |
| Average earning assets | $95,518,750 | 4,798 |
| Average equity | $7,887,250 | 5,634 |
| Average total loans | $78,662,500 | 4,218 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 4,832 |
| Cost of funding earning assets | 1.4254% | 1,307 |
| Net interest margin | 3.2072% | 6,142 |
| Noninterest income to average assets | 0.6589% | 2,766 |
| Noninterest expense to average assets | 2.8085% | 4,399 |
| Loan and lease loss provision to assets | 0.2132% | 3,782 |
| Net operating income to assets | 0.4295% | 4,812 |
| Return on assets (ROA) | 0.4226% | 4,996 |
| Pretax return on assets | 0.5840% | 4,797 |
| Return on Equity (ROE) | 5.6261% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.6261% | 2,628 |
| Net charge-offs to loans | 0.6228% | 2,278 |
| Credit loss provision to net charge-offs | 45.4918% | 4,691 |
| Earnings coverage of net charge-offs (x) | 1.7213% | 4,009 |
| Efficiency ratio | 77.6833% | 2,762 |
| Assets per employee ($millions) | 5.0645% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 4,453 |
| Loan loss allowance to noncurrent loans | 129.7329% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 1.3210% | 4,265 |
| Noncurrent loans to loans | 1.1000% | 4,832 |
| Net loans and leases to total assets | 76.1771% | 1,053 |
| Net loans and leases to deposits | 87.8874% | 1,516 |
| Net loans and leases to core deposits | 88.9954% | 2,497 |
| Total domestic deposits to total assets | 86.6757% | 2,942 |
| Equity capital to assets | 7.8301% | 6,786 |
| Core capital (leverage) ratio | 7.8228% | 6,493 |
| Tier 1 risk-based capital ratio | 12.7267% | 5,155 |
| Total risk-based capital ratio | 13.9828% | 5,124 |
| Memoranda: | ||
| Average total assets | $104,113,330 | 4,853 |
| Average earning assets | $95,972,670 | 4,818 |
| Average equity | $7,820,670 | 5,665 |
| Average total loans | $78,359,330 | 4,275 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5798% | 5,028 |
| Cost of funding earning assets | 1.4471% | 1,399 |
| Net interest margin | 3.1327% | 6,260 |
| Noninterest income to average assets | 0.5648% | 3,407 |
| Noninterest expense to average assets | 2.8657% | 4,212 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4245% | 4,831 |
| Return on assets (ROA) | 0.4245% | 4,921 |
| Pretax return on assets | 0.5875% | 4,733 |
| Return on Equity (ROE) | 5.7691% | 4,033 |
| Retained earnings to average equity (ytd only) | 5.7691% | 2,768 |
| Net charge-offs to loans | 0.0765% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,644 |
| Efficiency ratio | 82.9857% | 2,080 |
| Assets per employee ($millions) | 4.9612% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5905% | 3,769 |
| Loan loss allowance to noncurrent loans | 352.8571% | 877 |
| Noncurrent assets plus other real estate owned to assets | 1.0078% | 4,888 |
| Noncurrent loans to loans | 0.4507% | 6,109 |
| Net loans and leases to total assets | 73.3445% | 1,450 |
| Net loans and leases to deposits | 84.3580% | 1,974 |
| Net loans and leases to core deposits | 85.3835% | 2,978 |
| Total domestic deposits to total assets | 86.9444% | 2,975 |
| Equity capital to assets | 7.5059% | 6,865 |
| Core capital (leverage) ratio | 7.5006% | 6,729 |
| Tier 1 risk-based capital ratio | 12.0644% | 5,627 |
| Total risk-based capital ratio | 13.3227% | 5,619 |
| Memoranda: | ||
| Average total assets | $105,525,500 | 4,849 |
| Average earning assets | $97,297,500 | 4,813 |
| Average equity | $7,765,500 | 5,689 |
| Average total loans | $78,401,000 | 4,315 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0449% | 4,346 |
| Cost of funding earning assets | 1.8581% | 973 |
| Net interest margin | 3.1868% | 6,299 |
| Noninterest income to average assets | 1.3480% | 809 |
| Noninterest expense to average assets | 2.9399% | 4,070 |
| Loan and lease loss provision to assets | 0.3706% | 3,903 |
| Net operating income to assets | 0.6401% | 3,486 |
| Return on assets (ROA) | 0.3149% | 5,052 |
| Pretax return on assets | 0.4849% | 4,673 |
| Return on Equity (ROE) | 4.5031% | 4,297 |
| Retained earnings to average equity (ytd only) | 4.5031% | 2,722 |
| Net charge-offs to loans | 0.4098% | 3,991 |
| Credit loss provision to net charge-offs | 114.8810% | 3,776 |
| Earnings coverage of net charge-offs (x) | 4.2024% | 3,021 |
| Efficiency ratio | 68.4399% | 4,466 |
| Assets per employee ($millions) | 5.6245% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 3,661 |
| Loan loss allowance to noncurrent loans | 249.5010% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 1.0275% | 4,942 |
| Noncurrent loans to loans | 0.6330% | 5,781 |
| Net loans and leases to total assets | 72.8978% | 1,901 |
| Net loans and leases to deposits | 83.8460% | 2,476 |
| Net loans and leases to core deposits | 84.6054% | 3,508 |
| Total domestic deposits to total assets | 86.9425% | 2,856 |
| Equity capital to assets | 7.2156% | 7,031 |
| Core capital (leverage) ratio | 7.2086% | 6,903 |
| Tier 1 risk-based capital ratio | 12.1269% | 5,354 |
| Total risk-based capital ratio | 13.3800% | 5,334 |
| Memoranda: | ||
| Average total assets | $104,152,800 | 4,865 |
| Average earning assets | $96,334,400 | 4,815 |
| Average equity | $7,283,800 | 5,938 |
| Average total loans | $81,992,200 | 4,284 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1385% | 4,128 |
| Cost of funding earning assets | 1.9524% | 873 |
| Net interest margin | 3.1862% | 6,391 |
| Noninterest income to average assets | 1.1532% | 1,054 |
| Noninterest expense to average assets | 2.8708% | 4,201 |
| Loan and lease loss provision to assets | 0.3904% | 3,552 |
| Net operating income to assets | 0.5690% | 4,010 |
| Return on assets (ROA) | 0.5077% | 4,470 |
| Pretax return on assets | 0.7499% | 4,081 |
| Return on Equity (ROE) | 7.3195% | 3,199 |
| Retained earnings to average equity (ytd only) | 7.3195% | 1,693 |
| Net charge-offs to loans | 0.4885% | 3,318 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 3.1518% | 3,564 |
| Efficiency ratio | 69.9969% | 4,068 |
| Assets per employee ($millions) | 5.6387% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 4,289 |
| Loan loss allowance to noncurrent loans | 916.0305% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 5,723 |
| Noncurrent loans to loans | 0.1566% | 6,865 |
| Net loans and leases to total assets | 76.9767% | 1,225 |
| Net loans and leases to deposits | 88.7947% | 1,889 |
| Net loans and leases to core deposits | 89.3208% | 3,199 |
| Total domestic deposits to total assets | 86.6906% | 2,700 |
| Equity capital to assets | 6.9874% | 7,344 |
| Core capital (leverage) ratio | 7.1538% | 7,086 |
| Tier 1 risk-based capital ratio | 11.3735% | 6,039 |
| Total risk-based capital ratio | 12.6296% | 6,016 |
| Memoranda: | ||
| Average total assets | $103,474,500 | 4,949 |
| Average earning assets | $95,744,750 | 4,901 |
| Average equity | $7,177,000 | 6,050 |
| Average total loans | $82,702,000 | 4,332 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1441% | 4,221 |
| Cost of funding earning assets | 2.0184% | 861 |
| Net interest margin | 3.1257% | 6,532 |
| Noninterest income to average assets | 0.6748% | 2,851 |
| Noninterest expense to average assets | 2.6894% | 4,952 |
| Loan and lease loss provision to assets | 0.4909% | 2,844 |
| Net operating income to assets | 0.2586% | 5,340 |
| Return on assets (ROA) | 0.1682% | 5,791 |
| Pretax return on assets | 0.2562% | 5,639 |
| Return on Equity (ROE) | 2.4314% | 5,490 |
| Retained earnings to average equity (ytd only) | 2.4314% | 4,609 |
| Net charge-offs to loans | 0.5997% | 2,730 |
| Credit loss provision to net charge-offs | 101.6194% | 4,018 |
| Earnings coverage of net charge-offs (x) | 1.8300% | 4,152 |
| Efficiency ratio | 75.2600% | 3,219 |
| Assets per employee ($millions) | 5.7136% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 4,371 |
| Loan loss allowance to noncurrent loans | 60,200.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.7575% | 5,605 |
| Noncurrent loans to loans | 0.0023% | 7,340 |
| Net loans and leases to total assets | 81.7959% | 559 |
| Net loans and leases to deposits | 95.0918% | 1,138 |
| Net loans and leases to core deposits | 95.9180% | 2,446 |
| Total domestic deposits to total assets | 86.0178% | 3,073 |
| Equity capital to assets | 6.9707% | 7,362 |
| Core capital (leverage) ratio | 7.1017% | 7,128 |
| Tier 1 risk-based capital ratio | 11.3480% | 5,908 |
| Total risk-based capital ratio | 12.6063% | 5,887 |
| Memoranda: | ||
| Average total assets | $102,254,330 | 5,011 |
| Average earning assets | $94,827,000 | 4,966 |
| Average equity | $7,074,000 | 6,114 |
| Average total loans | $82,379,670 | 4,372 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0641% | 4,711 |
| Cost of funding earning assets | 2.0468% | 951 |
| Net interest margin | 3.0173% | 6,790 |
| Noninterest income to average assets | 0.6159% | 3,162 |
| Noninterest expense to average assets | 2.6717% | 5,052 |
| Loan and lease loss provision to assets | 0.9847% | 1,264 |
| Net operating income to assets | -0.1640% | 6,500 |
| Return on assets (ROA) | -0.3452% | 6,755 |
| Pretax return on assets | -0.5218% | 6,800 |
| Return on Equity (ROE) | -5.0096% | 6,885 |
| Retained earnings to average equity (ytd only) | -5.0096% | 6,591 |
| Net charge-offs to loans | 1.2409% | 1,368 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 0.7490% | 4,360 |
| Efficiency ratio | 78.3659% | 2,840 |
| Assets per employee ($millions) | 5.6894% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 3,977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8876% | 5,381 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 77.6787% | 1,210 |
| Net loans and leases to deposits | 89.7390% | 1,934 |
| Net loans and leases to core deposits | 90.2531% | 3,331 |
| Total domestic deposits to total assets | 86.5608% | 2,862 |
| Equity capital to assets | 6.8187% | 7,442 |
| Core capital (leverage) ratio | 6.9459% | 7,284 |
| Tier 1 risk-based capital ratio | 11.2781% | 5,873 |
| Total risk-based capital ratio | 12.5368% | 5,835 |
| Memoranda: | ||
| Average total assets | $101,959,000 | 5,092 |
| Average earning assets | $94,390,500 | 5,033 |
| Average equity | $7,026,500 | 6,182 |
| Average total loans | $80,906,000 | 4,477 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3640% | 4,868 |
| Cost of funding earning assets | 2.5758% | 838 |
| Net interest margin | 2.7882% | 7,081 |
| Noninterest income to average assets | 0.5099% | 4,336 |
| Noninterest expense to average assets | 2.7662% | 5,103 |
| Loan and lease loss provision to assets | 1.0881% | 2,101 |
| Net operating income to assets | -0.4905% | 6,167 |
| Return on assets (ROA) | -0.2168% | 5,853 |
| Pretax return on assets | -0.3435% | 5,875 |
| Return on Equity (ROE) | -3.0534% | 5,992 |
| Retained earnings to average equity (ytd only) | -3.0534% | 5,710 |
| Net charge-offs to loans | 0.8589% | 2,677 |
| Credit loss provision to net charge-offs | 157.2246% | 2,860 |
| Earnings coverage of net charge-offs (x) | 0.4578% | 5,656 |
| Efficiency ratio | 89.7238% | 1,725 |
| Assets per employee ($millions) | 5.9711% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 3,833 |
| Loan loss allowance to noncurrent loans | 241.4487% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 1.3841% | 4,342 |
| Noncurrent loans to loans | 0.6131% | 6,021 |
| Net loans and leases to total assets | 78.6748% | 1,254 |
| Net loans and leases to deposits | 91.9032% | 1,911 |
| Net loans and leases to core deposits | 106.9633% | 3,220 |
| Total domestic deposits to total assets | 85.6062% | 3,221 |
| Equity capital to assets | 6.9649% | 7,386 |
| Core capital (leverage) ratio | 7.0930% | 7,158 |
| Tier 1 risk-based capital ratio | 11.4630% | 5,439 |
| Total risk-based capital ratio | 12.7206% | 5,389 |
| Memoranda: | ||
| Average total assets | $101,006,000 | 5,064 |
| Average earning assets | $93,214,400 | 5,027 |
| Average equity | $7,172,400 | 6,209 |
| Average total loans | $81,381,400 | 4,463 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3868% | 5,015 |
| Cost of funding earning assets | 2.6762% | 845 |
| Net interest margin | 2.7106% | 7,198 |
| Noninterest income to average assets | 0.6053% | 3,655 |
| Noninterest expense to average assets | 2.8138% | 4,831 |
| Loan and lease loss provision to assets | 1.3137% | 1,471 |
| Net operating income to assets | -0.4738% | 6,400 |
| Return on assets (ROA) | -0.1084% | 5,933 |
| Pretax return on assets | -0.4507% | 6,248 |
| Return on Equity (ROE) | -1.5189% | 6,023 |
| Retained earnings to average equity (ytd only) | -1.5189% | 5,618 |
| Net charge-offs to loans | 0.9722% | 2,026 |
| Credit loss provision to net charge-offs | 167.3401% | 2,800 |
| Earnings coverage of net charge-offs (x) | 0.3721% | 5,652 |
| Efficiency ratio | 90.5957% | 1,634 |
| Assets per employee ($millions) | 6.4287% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 3,535 |
| Loan loss allowance to noncurrent loans | 67.0391% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 2.4208% | 2,848 |
| Noncurrent loans to loans | 2.2110% | 3,364 |
| Net loans and leases to total assets | 77.5421% | 1,662 |
| Net loans and leases to deposits | 90.2588% | 2,528 |
| Net loans and leases to core deposits | 105.7153% | 3,735 |
| Total domestic deposits to total assets | 85.9108% | 2,743 |
| Equity capital to assets | 7.0057% | 7,596 |
| Core capital (leverage) ratio | 7.1429% | 7,317 |
| Tier 1 risk-based capital ratio | 11.6890% | 5,253 |
| Total risk-based capital ratio | 12.9472% | 5,196 |
| Memoranda: | ||
| Average total assets | $100,880,250 | 5,102 |
| Average earning assets | $93,065,500 | 5,070 |
| Average equity | $7,198,000 | 6,257 |
| Average total loans | $81,461,250 | 4,507 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5108% | 4,564 |
| Cost of funding earning assets | 2.7500% | 905 |
| Net interest margin | 2.7608% | 7,085 |
| Noninterest income to average assets | 0.5987% | 3,708 |
| Noninterest expense to average assets | 2.9355% | 4,359 |
| Loan and lease loss provision to assets | 1.5825% | 1,073 |
| Net operating income to assets | -0.9102% | 6,904 |
| Return on assets (ROA) | -0.3412% | 6,394 |
| Pretax return on assets | -0.5169% | 6,446 |
| Return on Equity (ROE) | -4.7531% | 6,580 |
| Retained earnings to average equity (ytd only) | -4.7531% | 6,267 |
| Net charge-offs to loans | 0.9629% | 1,811 |
| Credit loss provision to net charge-offs | 201.7812% | 2,258 |
| Earnings coverage of net charge-offs (x) | 0.2595% | 5,411 |
| Efficiency ratio | 93.5156% | 1,531 |
| Assets per employee ($millions) | 6.4296% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 2,990 |
| Loan loss allowance to noncurrent loans | 60.8211% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 2.2503% | 2,889 |
| Noncurrent loans to loans | 2.5307% | 2,857 |
| Net loans and leases to total assets | 74.6185% | 2,538 |
| Net loans and leases to deposits | 86.5618% | 3,449 |
| Net loans and leases to core deposits | 101.2357% | 4,374 |
| Total domestic deposits to total assets | 86.2025% | 2,677 |
| Equity capital to assets | 6.8919% | 7,663 |
| Core capital (leverage) ratio | 7.1995% | 7,356 |
| Tier 1 risk-based capital ratio | 12.1315% | 4,818 |
| Total risk-based capital ratio | 13.3901% | 4,720 |
| Memoranda: | ||
| Average total assets | $100,220,670 | 5,157 |
| Average earning assets | $92,219,330 | 5,113 |
| Average equity | $7,195,330 | 6,304 |
| Average total loans | $81,628,670 | 4,537 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8166% | 3,217 |
| Cost of funding earning assets | 2.8399% | 888 |
| Net interest margin | 2.9766% | 6,539 |
| Noninterest income to average assets | 0.1497% | 7,231 |
| Noninterest expense to average assets | 2.9688% | 3,894 |
| Loan and lease loss provision to assets | 1.9577% | 621 |
| Net operating income to assets | -1.3514% | 7,439 |
| Return on assets (ROA) | -0.1982% | 6,637 |
| Pretax return on assets | -0.2993% | 6,675 |
| Return on Equity (ROE) | -2.7042% | 6,744 |
| Retained earnings to average equity (ytd only) | -2.7042% | 6,221 |
| Net charge-offs to loans | 1.3611% | 1,038 |
| Credit loss provision to net charge-offs | 170.4225% | 2,517 |
| Earnings coverage of net charge-offs (x) | -0.0775% | 5,050 |
| Efficiency ratio | 103.0899% | 1,014 |
| Assets per employee ($millions) | 5.8035% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 4,498 |
| Loan loss allowance to noncurrent loans | 88.5740% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.5802% | 3,556 |
| Noncurrent loans to loans | 1.4044% | 4,209 |
| Net loans and leases to total assets | 80.4693% | 1,301 |
| Net loans and leases to deposits | 93.2531% | 2,394 |
| Net loans and leases to core deposits | 108.2137% | 3,654 |
| Total domestic deposits to total assets | 86.2913% | 2,561 |
| Equity capital to assets | 7.3049% | 7,488 |
| Core capital (leverage) ratio | 7.6142% | 7,006 |
| Tier 1 risk-based capital ratio | 12.4241% | 4,589 |
| Total risk-based capital ratio | 13.6794% | 4,514 |
| Memoranda: | ||
| Average total assets | $98,894,000 | 5,208 |
| Average earning assets | $90,706,500 | 5,195 |
| Average equity | $7,248,000 | 6,318 |
| Average total loans | $83,461,500 | 4,514 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8950% | 6,057 |
| Cost of funding earning assets | 3.2352% | 1,083 |
| Net interest margin | 2.6598% | 7,560 |
| Noninterest income to average assets | 0.1224% | 7,508 |
| Noninterest expense to average assets | 2.5567% | 5,806 |
| Loan and lease loss provision to assets | 0.7294% | 2,032 |
| Net operating income to assets | -0.3907% | 6,811 |
| Return on assets (ROA) | -0.0633% | 6,311 |
| Pretax return on assets | -0.1868% | 6,360 |
| Return on Equity (ROE) | -0.8207% | 6,341 |
| Retained earnings to average equity (ytd only) | -0.8207% | 5,548 |
| Net charge-offs to loans | 1.2054% | 1,003 |
| Credit loss provision to net charge-offs | 71.8814% | 6,048 |
| Earnings coverage of net charge-offs (x) | 0.0307% | 6,228 |
| Efficiency ratio | 98.7971% | 1,029 |
| Assets per employee ($millions) | 5.8311% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 6,532 |
| Loan loss allowance to noncurrent loans | 110.3448% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.1904% | 3,870 |
| Noncurrent loans to loans | 0.8378% | 4,959 |
| Net loans and leases to total assets | 86.4862% | 541 |
| Net loans and leases to deposits | 103.4149% | 1,409 |
| Net loans and leases to core deposits | 119.5521% | 2,737 |
| Total domestic deposits to total assets | 83.6303% | 3,516 |
| Equity capital to assets | 7.3531% | 7,506 |
| Core capital (leverage) ratio | 7.6324% | 7,028 |
| Tier 1 risk-based capital ratio | 12.5605% | 4,397 |
| Total risk-based capital ratio | 13.8096% | 4,303 |
| Memoranda: | ||
| Average total assets | $96,374,800 | 5,158 |
| Average earning assets | $89,330,200 | 5,107 |
| Average equity | $7,432,400 | 6,300 |
| Average total loans | $81,133,200 | 4,485 |