Home > Embassy National Bank > Performance and Condition Ratios
Embassy National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4843% | 102 |
| Cost of funding earning assets | 2.0380% | 870 |
| Net interest margin | 6.4463% | 81 |
| Noninterest income to average assets | 0.9600% | 677 |
| Noninterest expense to average assets | 5.2081% | 215 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3560% | 1,309 |
| Return on assets (ROA) | 1.3560% | 1,277 |
| Pretax return on assets | 1.7590% | 945 |
| Return on Equity (ROE) | 8.0900% | 2,995 |
| Retained earnings to average equity (ytd only) | 1.7400% | 3,646 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.7522% | 1,373 |
| Assets per employee ($millions) | 5.7142% | 3,059 |
| Cash dividends to net income (ytd only)* | 78.4850% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 1,858 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 77.3700% | 929 |
| Net loans and leases to deposits | 92.7576% | 1,035 |
| Net loans and leases to core deposits | 134.7138% | 339 |
| Total domestic deposits to total assets | 83.4100% | 2,779 |
| Equity capital to assets | 13.9742% | 687 |
| Core capital (leverage) ratio | 15.8570% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9126% | 614 |
| Memoranda: | ||
| Average total assets | $115,858,400 | 3,697 |
| Average earning assets | $107,999,200 | 3,665 |
| Average equity | $19,425,000 | 2,912 |
| Average total loans | $87,413,600 | 3,328 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4820% | 98 |
| Cost of funding earning assets | 1.9039% | 860 |
| Net interest margin | 6.5781% | 70 |
| Noninterest income to average assets | 1.0800% | 567 |
| Noninterest expense to average assets | 5.5539% | 198 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2232% | 1,728 |
| Return on assets (ROA) | 1.2232% | 1,721 |
| Pretax return on assets | 1.6314% | 1,295 |
| Return on Equity (ROE) | 6.9200% | 3,450 |
| Retained earnings to average equity (ytd only) | -1.6035% | 4,296 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.2959% | 1,069 |
| Assets per employee ($millions) | 4.9060% | 3,670 |
| Cash dividends to net income (ytd only)* | 123.1768% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6668% | 759 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 74.6000% | 1,284 |
| Net loans and leases to deposits | 96.5037% | 722 |
| Net loans and leases to core deposits | 110.1481% | 867 |
| Total domestic deposits to total assets | 77.3100% | 3,896 |
| Equity capital to assets | 15.7678% | 463 |
| Core capital (leverage) ratio | 17.3672% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9114% | 439 |
| Memoranda: | ||
| Average total assets | $109,109,000 | 3,762 |
| Average earning assets | $101,262,500 | 3,746 |
| Average equity | $19,290,500 | 2,912 |
| Average total loans | $81,275,250 | 3,395 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3372% | 97 |
| Cost of funding earning assets | 1.8819% | 636 |
| Net interest margin | 6.4553% | 77 |
| Noninterest income to average assets | 1.2400% | 423 |
| Noninterest expense to average assets | 5.7555% | 179 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0880% | 2,154 |
| Return on assets (ROA) | 1.0880% | 2,147 |
| Pretax return on assets | 1.4494% | 1,698 |
| Return on Equity (ROE) | 5.9000% | 3,715 |
| Retained earnings to average equity (ytd only) | -4.1506% | 4,395 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.8832% | 849 |
| Assets per employee ($millions) | 3.8747% | 4,235 |
| Cash dividends to net income (ytd only)* | 170.2988% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9551% | 452 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 77.2100% | 918 |
| Net loans and leases to deposits | 96.3255% | 716 |
| Net loans and leases to core deposits | 111.2736% | 774 |
| Total domestic deposits to total assets | 80.1500% | 3,556 |
| Equity capital to assets | 19.0220% | 306 |
| Core capital (leverage) ratio | 19.2331% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2157% | 290 |
| Memoranda: | ||
| Average total assets | $104,595,667 | 3,817 |
| Average earning assets | $96,603,333 | 3,807 |
| Average equity | $19,274,333 | 2,920 |
| Average total loans | $77,350,000 | 3,457 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9479% | 64 |
| Cost of funding earning assets | 1.8809% | 384 |
| Net interest margin | 6.0670% | 96 |
| Noninterest income to average assets | 0.8400% | 789 |
| Noninterest expense to average assets | 5.0806% | 222 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0101% | 2,499 |
| Return on assets (ROA) | 1.0101% | 2,464 |
| Pretax return on assets | 1.3443% | 2,039 |
| Return on Equity (ROE) | 5.5700% | 3,791 |
| Retained earnings to average equity (ytd only) | -9.0016% | 4,453 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.0766% | 900 |
| Assets per employee ($millions) | 4.4207% | 4,065 |
| Cash dividends to net income (ytd only)* | 261.7100% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1216% | 366 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 70.3700% | 1,584 |
| Net loans and leases to deposits | 87.3355% | 1,266 |
| Net loans and leases to core deposits | 102.4571% | 986 |
| Total domestic deposits to total assets | 80.5800% | 3,695 |
| Equity capital to assets | 18.8432% | 270 |
| Core capital (leverage) ratio | 17.6289% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9239% | 248 |
| Memoranda: | ||
| Average total assets | $106,523,000 | 3,853 |
| Average earning assets | $98,038,000 | 3,842 |
| Average equity | $19,330,000 | 2,948 |
| Average total loans | $76,360,500 | 3,510 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2438% | 210 |
| Cost of funding earning assets | 0.7264% | 518 |
| Net interest margin | 4.5174% | 284 |
| Noninterest income to average assets | 2.0100% | 240 |
| Noninterest expense to average assets | 4.4325% | 262 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4045% | 1,120 |
| Return on assets (ROA) | 1.4045% | 1,079 |
| Pretax return on assets | 1.8269% | 689 |
| Return on Equity (ROE) | 8.8500% | 3,164 |
| Retained earnings to average equity (ytd only) | 0.9998% | 4,200 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.8135% | 1,584 |
| Assets per employee ($millions) | 4.4548% | 4,066 |
| Cash dividends to net income (ytd only)* | 88.6992% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9481% | 478 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.1000% | 1,634 |
| Net loans and leases to deposits | 85.2918% | 1,370 |
| Net loans and leases to core deposits | 95.5964% | 1,228 |
| Total domestic deposits to total assets | 82.1800% | 3,594 |
| Equity capital to assets | 17.5101% | 317 |
| Core capital (leverage) ratio | 16.5222% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8914% | 240 |
| Memoranda: | ||
| Average total assets | $120,969,000 | 3,720 |
| Average earning assets | $113,848,600 | 3,688 |
| Average equity | $19,204,400 | 3,016 |
| Average total loans | $81,105,800 | 3,399 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 389 |
| Cost of funding earning assets | 0.5467% | 588 |
| Net interest margin | 4.1000% | 519 |
| Noninterest income to average assets | 2.3800% | 223 |
| Noninterest expense to average assets | 4.5380% | 248 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2915% | 1,380 |
| Return on assets (ROA) | 1.2915% | 1,349 |
| Pretax return on assets | 1.7216% | 862 |
| Return on Equity (ROE) | 8.3300% | 3,222 |
| Retained earnings to average equity (ytd only) | -0.3345% | 4,374 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.4965% | 1,444 |
| Assets per employee ($millions) | 4.7237% | 3,894 |
| Cash dividends to net income (ytd only)* | 104.0167% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 797 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 70.7700% | 1,414 |
| Net loans and leases to deposits | 84.5462% | 1,264 |
| Net loans and leases to core deposits | 95.2243% | 1,037 |
| Total domestic deposits to total assets | 83.7000% | 3,559 |
| Equity capital to assets | 15.6372% | 400 |
| Core capital (leverage) ratio | 15.1253% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3176% | 334 |
| Memoranda: | ||
| Average total assets | $123,368,750 | 3,725 |
| Average earning assets | $116,810,000 | 3,685 |
| Average equity | $19,130,250 | 3,071 |
| Average total loans | $81,478,250 | 3,406 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 748 |
| Cost of funding earning assets | 0.4685% | 630 |
| Net interest margin | 3.6437% | 1,002 |
| Noninterest income to average assets | 2.3456% | 197 |
| Noninterest expense to average assets | 4.5794% | 205 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9113% | 2,533 |
| Return on assets (ROA) | 0.9113% | 2,502 |
| Pretax return on assets | 1.2157% | 2,023 |
| Return on Equity (ROE) | 5.8936% | 3,599 |
| Retained earnings to average equity (ytd only) | -4.3443% | 4,513 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0223% | 1,017 |
| Assets per employee ($millions) | 5.2985% | 3,433 |
| Cash dividends to net income (ytd only)* | 173.7123% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0065% | 545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 57.1828% | 2,618 |
| Net loans and leases to deposits | 67.1906% | 2,453 |
| Net loans and leases to core deposits | 72.6462% | 2,274 |
| Total domestic deposits to total assets | 85.1053% | 3,463 |
| Equity capital to assets | 14.3225% | 481 |
| Core capital (leverage) ratio | 15.2358% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2867% | 264 |
| Memoranda: | ||
| Average total assets | $123,553,000 | 3,767 |
| Average earning assets | $116,969,667 | 3,737 |
| Average equity | $19,105,333 | 3,143 |
| Average total loans | $79,148,667 | 3,462 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 529 |
| Cost of funding earning assets | 0.4654% | 595 |
| Net interest margin | 3.7234% | 721 |
| Noninterest income to average assets | 1.3905% | 392 |
| Noninterest expense to average assets | 4.7390% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1276% | 4,434 |
| Return on assets (ROA) | 0.1276% | 4,404 |
| Pretax return on assets | 0.1713% | 4,361 |
| Return on Equity (ROE) | 0.7928% | 4,451 |
| Retained earnings to average equity (ytd only) | -14.1248% | 4,632 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5116% | 316 |
| Assets per employee ($millions) | 4.4594% | 4,162 |
| Cash dividends to net income (ytd only)* | 1,881.5789% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0690% | 552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 60.9726% | 1,964 |
| Net loans and leases to deposits | 72.7837% | 1,717 |
| Net loans and leases to core deposits | 80.9425% | 1,427 |
| Total domestic deposits to total assets | 83.7723% | 3,808 |
| Equity capital to assets | 15.6356% | 346 |
| Core capital (leverage) ratio | 15.8220% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6797% | 247 |
| Memoranda: | ||
| Average total assets | $119,098,000 | 3,827 |
| Average earning assets | $112,584,000 | 3,797 |
| Average equity | $19,172,000 | 3,220 |
| Average total loans | $80,074,500 | 3,457 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7377% | 399 |
| Cost of funding earning assets | 0.5709% | 630 |
| Net interest margin | 4.1668% | 517 |
| Noninterest income to average assets | 4.2861% | 126 |
| Noninterest expense to average assets | 5.0856% | 175 |
| Loan and lease loss provision to assets | 0.0129% | 2,824 |
| Net operating income to assets | 2.3674% | 187 |
| Return on assets (ROA) | 2.3674% | 193 |
| Pretax return on assets | 3.1067% | 132 |
| Return on Equity (ROE) | 14.7464% | 1,008 |
| Retained earnings to average equity (ytd only) | 7.3305% | 1,792 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9799% | 2,873 |
| Assets per employee ($millions) | 4.3626% | 4,221 |
| Cash dividends to net income (ytd only)* | 50.2899% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8208% | 830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 71.0012% | 922 |
| Net loans and leases to deposits | 85.7862% | 803 |
| Net loans and leases to core deposits | 97.6086% | 633 |
| Total domestic deposits to total assets | 82.7652% | 3,853 |
| Equity capital to assets | 16.5700% | 322 |
| Core capital (leverage) ratio | 16.4570% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6933% | 359 |
| Memoranda: | ||
| Average total assets | $116,585,000 | 3,837 |
| Average earning assets | $109,652,000 | 3,813 |
| Average equity | $18,716,400 | 3,326 |
| Average total loans | $82,428,600 | 3,432 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 466 |
| Cost of funding earning assets | 0.5932% | 662 |
| Net interest margin | 4.1326% | 615 |
| Noninterest income to average assets | 4.9086% | 115 |
| Noninterest expense to average assets | 5.2365% | 159 |
| Loan and lease loss provision to assets | 0.0172% | 2,664 |
| Net operating income to assets | 2.6532% | 181 |
| Return on assets (ROA) | 2.6532% | 186 |
| Pretax return on assets | 3.5372% | 118 |
| Return on Equity (ROE) | 16.6626% | 822 |
| Retained earnings to average equity (ytd only) | 8.5618% | 1,858 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5670% | 3,055 |
| Assets per employee ($millions) | 4.3733% | 4,204 |
| Cash dividends to net income (ytd only)* | 48.6171% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6930% | 1,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 76.2742% | 531 |
| Net loans and leases to deposits | 92.7968% | 456 |
| Net loans and leases to core deposits | 103.1000% | 489 |
| Total domestic deposits to total assets | 82.1948% | 3,889 |
| Equity capital to assets | 16.3748% | 380 |
| Core capital (leverage) ratio | 16.7346% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0746% | 372 |
| Memoranda: | ||
| Average total assets | $116,283,500 | 3,888 |
| Average earning assets | $109,243,500 | 3,864 |
| Average equity | $18,516,000 | 3,384 |
| Average total loans | $81,739,750 | 3,492 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 604 |
| Cost of funding earning assets | 0.6172% | 680 |
| Net interest margin | 4.0028% | 816 |
| Noninterest income to average assets | 3.3245% | 164 |
| Noninterest expense to average assets | 4.9825% | 177 |
| Loan and lease loss provision to assets | 0.0259% | 2,453 |
| Net operating income to assets | 1.5629% | 1,138 |
| Return on assets (ROA) | 1.5629% | 1,200 |
| Pretax return on assets | 2.0832% | 704 |
| Return on Equity (ROE) | 9.9107% | 2,773 |
| Retained earnings to average equity (ytd only) | 0.4824% | 4,437 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2584% | 1,604 |
| Assets per employee ($millions) | 4.2674% | 4,280 |
| Cash dividends to net income (ytd only)* | 95.1327% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9147% | 713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 66.4954% | 1,633 |
| Net loans and leases to deposits | 79.3921% | 1,477 |
| Net loans and leases to core deposits | 87.8712% | 1,274 |
| Total domestic deposits to total assets | 83.7557% | 3,508 |
| Equity capital to assets | 15.2233% | 495 |
| Core capital (leverage) ratio | 15.7273% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4213% | 460 |
| Memoranda: | ||
| Average total assets | $115,685,333 | 3,907 |
| Average earning assets | $108,873,000 | 3,888 |
| Average equity | $18,243,000 | 3,407 |
| Average total loans | $78,448,333 | 3,571 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8987% | 415 |
| Cost of funding earning assets | 0.6581% | 659 |
| Net interest margin | 4.2406% | 565 |
| Noninterest income to average assets | 3.1674% | 188 |
| Noninterest expense to average assets | 4.9181% | 179 |
| Loan and lease loss provision to assets | 0.0527% | 2,053 |
| Net operating income to assets | 1.6382% | 1,042 |
| Return on assets (ROA) | 1.6382% | 1,096 |
| Pretax return on assets | 2.1831% | 713 |
| Return on Equity (ROE) | 10.2028% | 2,622 |
| Retained earnings to average equity (ytd only) | 5.4079% | 3,091 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7469% | 1,840 |
| Assets per employee ($millions) | 4.0730% | 4,436 |
| Cash dividends to net income (ytd only)* | 46.9957% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9276% | 705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 69.1920% | 1,393 |
| Net loans and leases to deposits | 83.2946% | 1,220 |
| Net loans and leases to core deposits | 91.5652% | 1,135 |
| Total domestic deposits to total assets | 83.0690% | 3,669 |
| Equity capital to assets | 16.1278% | 378 |
| Core capital (leverage) ratio | 15.8709% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5679% | 432 |
| Memoranda: | ||
| Average total assets | $113,784,000 | 3,930 |
| Average earning assets | $106,966,500 | 3,910 |
| Average equity | $18,269,500 | 3,397 |
| Average total loans | $77,170,000 | 3,616 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0446% | 447 |
| Cost of funding earning assets | 0.9842% | 627 |
| Net interest margin | 4.0604% | 853 |
| Noninterest income to average assets | 1.7403% | 414 |
| Noninterest expense to average assets | 4.4537% | 260 |
| Loan and lease loss provision to assets | 0.0622% | 3,592 |
| Net operating income to assets | 0.7760% | 3,177 |
| Return on assets (ROA) | 0.7760% | 3,310 |
| Pretax return on assets | 1.0415% | 2,907 |
| Return on Equity (ROE) | 4.5738% | 4,004 |
| Retained earnings to average equity (ytd only) | 4.5738% | 2,496 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1406% | 883 |
| Assets per employee ($millions) | 4.5409% | 3,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0791% | 504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 63.7254% | 2,400 |
| Net loans and leases to deposits | 76.5130% | 2,226 |
| Net loans and leases to core deposits | 84.1472% | 2,024 |
| Total domestic deposits to total assets | 83.2871% | 3,335 |
| Equity capital to assets | 15.9844% | 427 |
| Core capital (leverage) ratio | 16.4787% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9817% | 390 |
| Memoranda: | ||
| Average total assets | $112,625,200 | 3,846 |
| Average earning assets | $105,876,600 | 3,827 |
| Average equity | $19,108,800 | 3,269 |
| Average total loans | $80,218,400 | 3,551 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1924% | 419 |
| Cost of funding earning assets | 1.0551% | 632 |
| Net interest margin | 4.1372% | 832 |
| Noninterest income to average assets | 1.8956% | 341 |
| Noninterest expense to average assets | 4.6926% | 218 |
| Loan and lease loss provision to assets | 0.0827% | 3,281 |
| Net operating income to assets | 0.7568% | 3,263 |
| Return on assets (ROA) | 0.7568% | 3,374 |
| Pretax return on assets | 1.0083% | 3,038 |
| Return on Equity (ROE) | 4.3962% | 4,067 |
| Retained earnings to average equity (ytd only) | 4.3962% | 2,851 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1321% | 785 |
| Assets per employee ($millions) | 4.5543% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8632% | 629 |
| Loan loss allowance to noncurrent loans | 221.6450% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 1,837 |
| Noncurrent loans to loans | 0.8406% | 1,750 |
| Net loans and leases to total assets | 74.0147% | 1,365 |
| Net loans and leases to deposits | 91.1530% | 1,142 |
| Net loans and leases to core deposits | 101.5298% | 1,063 |
| Total domestic deposits to total assets | 81.1983% | 3,612 |
| Equity capital to assets | 17.7221% | 321 |
| Core capital (leverage) ratio | 17.2349% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3532% | 355 |
| Memoranda: | ||
| Average total assets | $112,400,750 | 3,844 |
| Average earning assets | $105,639,500 | 3,828 |
| Average equity | $19,349,500 | 3,244 |
| Average total loans | $81,803,250 | 3,546 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2633% | 509 |
| Cost of funding earning assets | 1.1317% | 648 |
| Net interest margin | 4.1316% | 1,055 |
| Noninterest income to average assets | 1.3929% | 542 |
| Noninterest expense to average assets | 4.6635% | 235 |
| Loan and lease loss provision to assets | 0.0882% | 3,177 |
| Net operating income to assets | 0.3967% | 4,237 |
| Return on assets (ROA) | 0.3967% | 4,296 |
| Pretax return on assets | 0.5289% | 4,202 |
| Return on Equity (ROE) | 2.3265% | 4,468 |
| Retained earnings to average equity (ytd only) | 2.3265% | 3,631 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3139% | 440 |
| Assets per employee ($millions) | 4.3944% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 77.1347% | 975 |
| Net loans and leases to deposits | 94.4726% | 914 |
| Net loans and leases to core deposits | 104.3904% | 976 |
| Total domestic deposits to total assets | 81.6477% | 3,460 |
| Equity capital to assets | 17.4557% | 338 |
| Core capital (leverage) ratio | 15.8004% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3994% | 385 |
| Memoranda: | ||
| Average total assets | $113,433,000 | 3,807 |
| Average earning assets | $106,738,333 | 3,793 |
| Average equity | $19,342,333 | 3,238 |
| Average total loans | $81,592,000 | 3,551 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6823% | 255 |
| Cost of funding earning assets | 1.3340% | 504 |
| Net interest margin | 4.3483% | 693 |
| Noninterest income to average assets | 1.2429% | 571 |
| Noninterest expense to average assets | 4.8430% | 244 |
| Loan and lease loss provision to assets | 0.1736% | 1,701 |
| Net operating income to assets | 0.2430% | 4,461 |
| Return on assets (ROA) | 0.2430% | 4,482 |
| Pretax return on assets | 0.3229% | 4,420 |
| Return on Equity (ROE) | 1.4414% | 4,563 |
| Retained earnings to average equity (ytd only) | 1.4414% | 3,619 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7022% | 474 |
| Assets per employee ($millions) | 4.1662% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9177% | 586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 64.1743% | 3,046 |
| Net loans and leases to deposits | 77.2918% | 2,945 |
| Net loans and leases to core deposits | 84.6583% | 2,787 |
| Total domestic deposits to total assets | 83.0286% | 3,103 |
| Equity capital to assets | 16.1065% | 564 |
| Core capital (leverage) ratio | 16.3404% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3661% | 476 |
| Memoranda: | ||
| Average total assets | $115,219,000 | 3,774 |
| Average earning assets | $108,547,000 | 3,737 |
| Average equity | $19,425,000 | 3,221 |
| Average total loans | $79,259,500 | 3,596 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7776% | 79 |
| Cost of funding earning assets | 1.4093% | 546 |
| Net interest margin | 5.3683% | 136 |
| Noninterest income to average assets | 2.4896% | 202 |
| Noninterest expense to average assets | 4.7331% | 254 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.3651% | 163 |
| Return on assets (ROA) | 2.3651% | 174 |
| Pretax return on assets | 2.7460% | 137 |
| Return on Equity (ROE) | 14.0010% | 894 |
| Retained earnings to average equity (ytd only) | 14.0010% | 124 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2841% | 3,179 |
| Assets per employee ($millions) | 3.6539% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 3,642 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 71.1578% | 2,226 |
| Net loans and leases to deposits | 87.7747% | 1,880 |
| Net loans and leases to core deposits | 99.7238% | 1,585 |
| Total domestic deposits to total assets | 81.0686% | 3,753 |
| Equity capital to assets | 17.6889% | 394 |
| Core capital (leverage) ratio | 17.8163% | 350 |
| Tier 1 risk-based capital ratio | 22.6863% | 945 |
| Total risk-based capital ratio | 23.9417% | 931 |
| Memoranda: | ||
| Average total assets | $107,646,600 | 3,868 |
| Average earning assets | $100,050,800 | 3,871 |
| Average equity | $18,184,400 | 3,322 |
| Average total loans | $76,463,800 | 3,659 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9269% | 73 |
| Cost of funding earning assets | 1.3942% | 587 |
| Net interest margin | 5.5326% | 116 |
| Noninterest income to average assets | 2.1451% | 237 |
| Noninterest expense to average assets | 4.7880% | 246 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2223% | 263 |
| Return on assets (ROA) | 2.2223% | 272 |
| Pretax return on assets | 2.4873% | 256 |
| Return on Equity (ROE) | 13.3158% | 1,170 |
| Retained earnings to average equity (ytd only) | 13.3158% | 250 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8115% | 2,753 |
| Assets per employee ($millions) | 3.4779% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7997% | 678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 2,888 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 76.6667% | 1,366 |
| Net loans and leases to deposits | 95.0407% | 1,119 |
| Net loans and leases to core deposits | 115.8434% | 663 |
| Total domestic deposits to total assets | 80.6673% | 3,831 |
| Equity capital to assets | 17.8558% | 405 |
| Core capital (leverage) ratio | 17.1454% | 420 |
| Tier 1 risk-based capital ratio | 22.7817% | 971 |
| Total risk-based capital ratio | 24.0388% | 947 |
| Memoranda: | ||
| Average total assets | $107,154,000 | 3,909 |
| Average earning assets | $99,359,500 | 3,917 |
| Average equity | $17,883,000 | 3,374 |
| Average total loans | $75,713,000 | 3,711 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8143% | 82 |
| Cost of funding earning assets | 1.3347% | 672 |
| Net interest margin | 5.4796% | 127 |
| Noninterest income to average assets | 2.1426% | 238 |
| Noninterest expense to average assets | 4.8144% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3609% | 187 |
| Return on assets (ROA) | 2.3609% | 194 |
| Pretax return on assets | 2.4405% | 265 |
| Return on Equity (ROE) | 14.4720% | 878 |
| Retained earnings to average equity (ytd only) | 14.4720% | 198 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3606% | 2,769 |
| Assets per employee ($millions) | 3.8673% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9449% | 520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4673% | 2,665 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 68.2541% | 2,780 |
| Net loans and leases to deposits | 83.3162% | 2,569 |
| Net loans and leases to core deposits | 98.2846% | 1,871 |
| Total domestic deposits to total assets | 81.9218% | 3,533 |
| Equity capital to assets | 16.7364% | 501 |
| Core capital (leverage) ratio | 17.0304% | 429 |
| Tier 1 risk-based capital ratio | 22.7959% | 962 |
| Total risk-based capital ratio | 24.0527% | 938 |
| Memoranda: | ||
| Average total assets | $108,093,330 | 3,925 |
| Average earning assets | $100,847,330 | 3,918 |
| Average equity | $17,634,000 | 3,400 |
| Average total loans | $73,798,330 | 3,768 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8585% | 79 |
| Cost of funding earning assets | 1.3376% | 581 |
| Net interest margin | 5.5209% | 117 |
| Noninterest income to average assets | 1.7704% | 294 |
| Noninterest expense to average assets | 4.7668% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.7519% | 109 |
| Return on assets (ROA) | 2.7519% | 118 |
| Pretax return on assets | 2.1556% | 480 |
| Return on Equity (ROE) | 17.0908% | 476 |
| Retained earnings to average equity (ytd only) | 17.0908% | 178 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8604% | 2,520 |
| Assets per employee ($millions) | 4.0321% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0130% | 484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 2,802 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 63.2081% | 3,382 |
| Net loans and leases to deposits | 76.1122% | 3,251 |
| Net loans and leases to core deposits | 87.6985% | 2,719 |
| Total domestic deposits to total assets | 83.0461% | 3,370 |
| Equity capital to assets | 15.7307% | 616 |
| Core capital (leverage) ratio | 16.3221% | 492 |
| Tier 1 risk-based capital ratio | 20.6190% | 1,226 |
| Total risk-based capital ratio | 21.8750% | 1,201 |
| Memoranda: | ||
| Average total assets | $107,997,500 | 3,968 |
| Average earning assets | $100,780,000 | 3,960 |
| Average equity | $17,389,500 | 3,438 |
| Average total loans | $73,010,000 | 3,820 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3634% | 108 |
| Cost of funding earning assets | 0.9656% | 859 |
| Net interest margin | 5.3978% | 129 |
| Noninterest income to average assets | 2.3751% | 211 |
| Noninterest expense to average assets | 4.6034% | 277 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.5769% | 130 |
| Return on assets (ROA) | 2.5769% | 128 |
| Pretax return on assets | 2.5769% | 178 |
| Return on Equity (ROE) | 18.2355% | 368 |
| Retained earnings to average equity (ytd only) | 18.2355% | 53 |
| Net charge-offs to loans | -0.0418% | 4,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1114% | 3,176 |
| Assets per employee ($millions) | 3.8183% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0030% | 469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 2,445 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 69.5727% | 2,635 |
| Net loans and leases to deposits | 84.4471% | 2,466 |
| Net loans and leases to core deposits | 95.6232% | 2,092 |
| Total domestic deposits to total assets | 82.3861% | 3,524 |
| Equity capital to assets | 16.5081% | 465 |
| Core capital (leverage) ratio | 16.1559% | 494 |
| Tier 1 risk-based capital ratio | 21.0610% | 1,149 |
| Total risk-based capital ratio | 22.3183% | 1,132 |
| Memoranda: | ||
| Average total assets | $109,006,000 | 3,958 |
| Average earning assets | $97,040,000 | 4,020 |
| Average equity | $15,404,000 | 3,586 |
| Average total loans | $74,242,200 | 3,785 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2208% | 115 |
| Cost of funding earning assets | 0.8674% | 1,043 |
| Net interest margin | 5.3535% | 138 |
| Noninterest income to average assets | 2.0564% | 264 |
| Noninterest expense to average assets | 4.8114% | 233 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9598% | 424 |
| Return on assets (ROA) | 1.9598% | 419 |
| Pretax return on assets | 1.9598% | 700 |
| Return on Equity (ROE) | 14.4350% | 1,004 |
| Retained earnings to average equity (ytd only) | 14.4350% | 208 |
| Net charge-offs to loans | -0.0537% | 4,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0569% | 2,031 |
| Assets per employee ($millions) | 4.2434% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0148% | 473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 2,652 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 67.2065% | 3,050 |
| Net loans and leases to deposits | 80.5332% | 2,982 |
| Net loans and leases to core deposits | 86.3190% | 2,969 |
| Total domestic deposits to total assets | 83.4519% | 3,140 |
| Equity capital to assets | 14.9267% | 741 |
| Core capital (leverage) ratio | 14.0938% | 909 |
| Tier 1 risk-based capital ratio | 21.1913% | 1,161 |
| Total risk-based capital ratio | 22.3650% | 1,147 |
| Memoranda: | ||
| Average total assets | $110,483,750 | 3,978 |
| Average earning assets | $97,305,250 | 4,055 |
| Average equity | $15,000,250 | 3,662 |
| Average total loans | $74,504,750 | 3,820 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1599% | 119 |
| Cost of funding earning assets | 0.7116% | 1,562 |
| Net interest margin | 5.4484% | 116 |
| Noninterest income to average assets | 1.9134% | 291 |
| Noninterest expense to average assets | 4.9326% | 223 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6865% | 746 |
| Return on assets (ROA) | 1.6865% | 752 |
| Pretax return on assets | 1.6865% | 1,251 |
| Return on Equity (ROE) | 12.8243% | 1,433 |
| Retained earnings to average equity (ytd only) | 12.8243% | 407 |
| Net charge-offs to loans | -0.0240% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5209% | 1,635 |
| Assets per employee ($millions) | 3.6072% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9291% | 599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5485% | 2,587 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 72.6817% | 2,171 |
| Net loans and leases to deposits | 87.1511% | 2,198 |
| Net loans and leases to core deposits | 93.8111% | 2,236 |
| Total domestic deposits to total assets | 83.3974% | 3,284 |
| Equity capital to assets | 15.0037% | 685 |
| Core capital (leverage) ratio | 13.5830% | 1,042 |
| Tier 1 risk-based capital ratio | 21.1094% | 1,154 |
| Total risk-based capital ratio | 22.3686% | 1,127 |
| Memoranda: | ||
| Average total assets | $111,950,000 | 3,986 |
| Average earning assets | $96,689,330 | 4,103 |
| Average equity | $14,722,000 | 3,714 |
| Average total loans | $75,085,670 | 3,830 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9310% | 154 |
| Cost of funding earning assets | 0.6630% | 1,642 |
| Net interest margin | 5.2680% | 144 |
| Noninterest income to average assets | 2.1427% | 251 |
| Noninterest expense to average assets | 4.6192% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0166% | 362 |
| Return on assets (ROA) | 2.0166% | 362 |
| Pretax return on assets | 2.0166% | 555 |
| Return on Equity (ROE) | 16.3243% | 575 |
| Retained earnings to average equity (ytd only) | 16.3243% | 229 |
| Net charge-offs to loans | -0.0213% | 4,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6099% | 2,548 |
| Assets per employee ($millions) | 4.1493% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0151% | 529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 3,003 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.1488% | 3,925 |
| Net loans and leases to deposits | 67.2132% | 4,006 |
| Net loans and leases to core deposits | 71.8182% | 3,978 |
| Total domestic deposits to total assets | 86.5139% | 2,312 |
| Equity capital to assets | 12.3011% | 1,599 |
| Core capital (leverage) ratio | 12.6460% | 1,321 |
| Tier 1 risk-based capital ratio | 20.3497% | 1,284 |
| Total risk-based capital ratio | 21.6077% | 1,262 |
| Memoranda: | ||
| Average total assets | $117,424,000 | 3,942 |
| Average earning assets | $100,151,000 | 4,097 |
| Average equity | $14,506,000 | 3,775 |
| Average total loans | $75,201,500 | 3,865 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1738% | 107 |
| Cost of funding earning assets | 0.7330% | 879 |
| Net interest margin | 5.4408% | 116 |
| Noninterest income to average assets | 3.1559% | 167 |
| Noninterest expense to average assets | 5.3522% | 182 |
| Loan and lease loss provision to assets | 0.0396% | 3,476 |
| Net operating income to assets | 2.2429% | 180 |
| Return on assets (ROA) | 2.2429% | 182 |
| Pretax return on assets | 2.2429% | 298 |
| Return on Equity (ROE) | 20.3651% | 183 |
| Retained earnings to average equity (ytd only) | 20.3651% | 39 |
| Net charge-offs to loans | -0.0051% | 4,645 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1037% | 2,528 |
| Assets per employee ($millions) | 3.9489% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8166% | 756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4838% | 2,948 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 67.7262% | 2,862 |
| Net loans and leases to deposits | 78.3272% | 3,084 |
| Net loans and leases to core deposits | 85.1266% | 2,975 |
| Total domestic deposits to total assets | 86.4658% | 2,242 |
| Equity capital to assets | 12.4086% | 1,568 |
| Core capital (leverage) ratio | 11.7186% | 1,779 |
| Tier 1 risk-based capital ratio | 19.3776% | 1,434 |
| Total risk-based capital ratio | 20.6363% | 1,412 |
| Memoranda: | ||
| Average total assets | $113,691,800 | 4,000 |
| Average earning assets | $93,589,400 | 4,207 |
| Average equity | $12,521,400 | 4,051 |
| Average total loans | $78,232,400 | 3,786 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0953% | 117 |
| Cost of funding earning assets | 0.7279% | 853 |
| Net interest margin | 5.3674% | 129 |
| Noninterest income to average assets | 2.7081% | 211 |
| Noninterest expense to average assets | 5.6758% | 171 |
| Loan and lease loss provision to assets | 0.0294% | 3,536 |
| Net operating income to assets | 1.3781% | 1,136 |
| Return on assets (ROA) | 1.3781% | 1,154 |
| Pretax return on assets | 1.3781% | 2,183 |
| Return on Equity (ROE) | 12.9261% | 1,076 |
| Retained earnings to average equity (ytd only) | 12.9261% | 229 |
| Net charge-offs to loans | -0.0017% | 4,305 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1294% | 1,086 |
| Assets per employee ($millions) | 3.3078% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 1,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4785% | 3,134 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 71.6056% | 2,316 |
| Net loans and leases to deposits | 81.8846% | 2,791 |
| Net loans and leases to core deposits | 88.2356% | 2,750 |
| Total domestic deposits to total assets | 87.4470% | 1,647 |
| Equity capital to assets | 11.0846% | 2,776 |
| Core capital (leverage) ratio | 11.2386% | 2,230 |
| Tier 1 risk-based capital ratio | 17.4276% | 2,028 |
| Total risk-based capital ratio | 18.6852% | 1,973 |
| Memoranda: | ||
| Average total assets | $113,485,500 | 4,045 |
| Average earning assets | $92,506,000 | 4,266 |
| Average equity | $12,099,250 | 4,159 |
| Average total loans | $78,042,250 | 3,823 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0363% | 121 |
| Cost of funding earning assets | 0.7189% | 801 |
| Net interest margin | 5.3174% | 140 |
| Noninterest income to average assets | 1.9109% | 334 |
| Noninterest expense to average assets | 5.3955% | 186 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7807% | 3,484 |
| Return on assets (ROA) | 0.7807% | 3,536 |
| Pretax return on assets | 0.7807% | 4,339 |
| Return on Equity (ROE) | 7.4232% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.4232% | 1,385 |
| Net charge-offs to loans | -0.0026% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3600% | 587 |
| Assets per employee ($millions) | 3.3259% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7324% | 1,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 3,196 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 67.5847% | 2,866 |
| Net loans and leases to deposits | 76.6572% | 3,265 |
| Net loans and leases to core deposits | 79.8073% | 3,436 |
| Total domestic deposits to total assets | 88.1649% | 1,374 |
| Equity capital to assets | 10.3945% | 3,463 |
| Core capital (leverage) ratio | 10.5703% | 2,845 |
| Tier 1 risk-based capital ratio | 17.8219% | 1,914 |
| Total risk-based capital ratio | 19.0812% | 1,864 |
| Memoranda: | ||
| Average total assets | $112,723,000 | 4,083 |
| Average earning assets | $90,420,330 | 4,348 |
| Average equity | $11,854,670 | 4,212 |
| Average total loans | $75,952,330 | 3,882 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0464% | 113 |
| Cost of funding earning assets | 0.7063% | 818 |
| Net interest margin | 5.3401% | 127 |
| Noninterest income to average assets | 1.8326% | 352 |
| Noninterest expense to average assets | 5.5988% | 183 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5159% | 4,536 |
| Return on assets (ROA) | 0.5159% | 4,567 |
| Pretax return on assets | 0.5159% | 4,937 |
| Return on Equity (ROE) | 4.8756% | 4,443 |
| Retained earnings to average equity (ytd only) | 4.8756% | 2,965 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5634% | 472 |
| Assets per employee ($millions) | 3.3534% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8670% | 844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 3,276 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 63.8949% | 3,294 |
| Net loans and leases to deposits | 72.3187% | 3,582 |
| Net loans and leases to core deposits | 74.5355% | 3,788 |
| Total domestic deposits to total assets | 88.3517% | 1,507 |
| Equity capital to assets | 10.3520% | 3,349 |
| Core capital (leverage) ratio | 10.5188% | 2,884 |
| Tier 1 risk-based capital ratio | 17.4621% | 2,040 |
| Total risk-based capital ratio | 18.7226% | 1,996 |
| Memoranda: | ||
| Average total assets | $110,880,500 | 4,156 |
| Average earning assets | $88,913,000 | 4,422 |
| Average equity | $11,732,000 | 4,262 |
| Average total loans | $73,898,000 | 3,954 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2449% | 89 |
| Cost of funding earning assets | 0.6325% | 1,144 |
| Net interest margin | 5.6124% | 94 |
| Noninterest income to average assets | 2.3919% | 268 |
| Noninterest expense to average assets | 4.8762% | 275 |
| Loan and lease loss provision to assets | 0.0351% | 3,663 |
| Net operating income to assets | 1.9712% | 339 |
| Return on assets (ROA) | 1.9712% | 362 |
| Pretax return on assets | 1.9712% | 536 |
| Return on Equity (ROE) | 18.5280% | 290 |
| Retained earnings to average equity (ytd only) | 18.5280% | 63 |
| Net charge-offs to loans | -0.0274% | 5,212 |
| Credit loss provision to net charge-offs | -184.2105% | 4,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8491% | 2,773 |
| Assets per employee ($millions) | 3.3670% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8842% | 833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1514% | 611 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 66.9856% | 2,935 |
| Net loans and leases to deposits | 76.2606% | 3,292 |
| Net loans and leases to core deposits | 80.4990% | 3,351 |
| Total domestic deposits to total assets | 87.8378% | 1,719 |
| Equity capital to assets | 10.8229% | 2,791 |
| Core capital (leverage) ratio | 10.5595% | 2,823 |
| Tier 1 risk-based capital ratio | 16.8531% | 2,209 |
| Total risk-based capital ratio | 18.1119% | 2,155 |
| Memoranda: | ||
| Average total assets | $99,585,000 | 4,354 |
| Average earning assets | $79,680,800 | 4,594 |
| Average equity | $10,594,800 | 4,480 |
| Average total loans | $69,262,200 | 4,063 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2915% | 86 |
| Cost of funding earning assets | 0.6043% | 1,290 |
| Net interest margin | 5.6872% | 86 |
| Noninterest income to average assets | 2.3401% | 285 |
| Noninterest expense to average assets | 4.8455% | 297 |
| Loan and lease loss provision to assets | 0.0478% | 3,292 |
| Net operating income to assets | 2.0134% | 336 |
| Return on assets (ROA) | 2.0134% | 347 |
| Pretax return on assets | 2.0134% | 553 |
| Return on Equity (ROE) | 19.0153% | 294 |
| Retained earnings to average equity (ytd only) | 19.0153% | 66 |
| Net charge-offs to loans | -0.0371% | 5,252 |
| Credit loss provision to net charge-offs | -184.2105% | 4,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1563% | 2,864 |
| Assets per employee ($millions) | 4.1021% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7953% | 1,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1299% | 707 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.4508% | 2,731 |
| Net loans and leases to deposits | 77.4268% | 3,253 |
| Net loans and leases to core deposits | 80.3975% | 3,407 |
| Total domestic deposits to total assets | 88.4071% | 1,187 |
| Equity capital to assets | 10.0851% | 4,053 |
| Core capital (leverage) ratio | 10.9779% | 2,472 |
| Tier 1 risk-based capital ratio | 15.9360% | 2,652 |
| Total risk-based capital ratio | 17.1943% | 2,586 |
| Memoranda: | ||
| Average total assets | $97,545,250 | 4,424 |
| Average earning assets | $78,326,500 | 4,654 |
| Average equity | $10,328,250 | 4,561 |
| Average total loans | $68,188,000 | 4,117 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3292% | 86 |
| Cost of funding earning assets | 0.6000% | 1,314 |
| Net interest margin | 5.7292% | 88 |
| Noninterest income to average assets | 1.9755% | 340 |
| Noninterest expense to average assets | 4.9430% | 279 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6663% | 622 |
| Return on assets (ROA) | 1.6663% | 660 |
| Pretax return on assets | 1.6663% | 1,179 |
| Return on Equity (ROE) | 15.4464% | 617 |
| Retained earnings to average equity (ytd only) | 15.4464% | 130 |
| Net charge-offs to loans | -0.0552% | 5,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7888% | 2,247 |
| Assets per employee ($millions) | 3.7495% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9796% | 770 |
| Loan loss allowance to noncurrent loans | 754.1899% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.7692% | 2,680 |
| Noncurrent loans to loans | 0.2625% | 4,421 |
| Net loans and leases to total assets | 71.3094% | 2,283 |
| Net loans and leases to deposits | 81.9137% | 2,720 |
| Net loans and leases to core deposits | 94.0855% | 2,158 |
| Total domestic deposits to total assets | 87.0543% | 1,893 |
| Equity capital to assets | 11.1726% | 2,874 |
| Core capital (leverage) ratio | 11.0837% | 2,343 |
| Tier 1 risk-based capital ratio | 16.5909% | 2,396 |
| Total risk-based capital ratio | 17.8519% | 2,339 |
| Memoranda: | ||
| Average total assets | $93,141,330 | 4,555 |
| Average earning assets | $75,333,000 | 4,774 |
| Average equity | $10,047,670 | 4,631 |
| Average total loans | $65,184,000 | 4,213 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0239% | 117 |
| Cost of funding earning assets | 0.6254% | 1,180 |
| Net interest margin | 5.3985% | 133 |
| Noninterest income to average assets | 1.8655% | 376 |
| Noninterest expense to average assets | 5.0278% | 266 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1891% | 1,593 |
| Return on assets (ROA) | 1.1891% | 1,690 |
| Pretax return on assets | 1.1891% | 2,744 |
| Return on Equity (ROE) | 11.2252% | 1,524 |
| Retained earnings to average equity (ytd only) | 11.2252% | 612 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8732% | 1,498 |
| Assets per employee ($millions) | 3.7773% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0168% | 795 |
| Loan loss allowance to noncurrent loans | 761.1429% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 2,853 |
| Noncurrent loans to loans | 0.2650% | 4,486 |
| Net loans and leases to total assets | 68.5280% | 2,575 |
| Net loans and leases to deposits | 78.1020% | 3,001 |
| Net loans and leases to core deposits | 88.8524% | 2,473 |
| Total domestic deposits to total assets | 87.7416% | 1,786 |
| Equity capital to assets | 10.5609% | 3,416 |
| Core capital (leverage) ratio | 10.8947% | 2,514 |
| Tier 1 risk-based capital ratio | 16.7712% | 2,368 |
| Total risk-based capital ratio | 18.0341% | 2,312 |
| Memoranda: | ||
| Average total assets | $92,843,000 | 4,602 |
| Average earning assets | $74,835,500 | 4,829 |
| Average equity | $9,835,000 | 4,696 |
| Average total loans | $63,679,000 | 4,272 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5779% | 241 |
| Cost of funding earning assets | 0.5698% | 1,598 |
| Net interest margin | 5.0081% | 251 |
| Noninterest income to average assets | 2.2411% | 304 |
| Noninterest expense to average assets | 5.1266% | 256 |
| Loan and lease loss provision to assets | 0.1184% | 2,012 |
| Net operating income to assets | 1.3561% | 1,130 |
| Return on assets (ROA) | 1.3561% | 1,174 |
| Pretax return on assets | 1.3561% | 2,082 |
| Return on Equity (ROE) | 11.9406% | 1,313 |
| Retained earnings to average equity (ytd only) | 10.8102% | 362 |
| Net charge-offs to loans | -0.0460% | 5,526 |
| Credit loss provision to net charge-offs | -351.8519% | 5,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6624% | 2,019 |
| Assets per employee ($millions) | 3.9675% | 3,995 |
| Cash dividends to net income (ytd only)* | 9.4669% | 4,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1725% | 620 |
| Loan loss allowance to noncurrent loans | 381.6619% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9348% | 2,331 |
| Noncurrent loans to loans | 0.5692% | 3,466 |
| Net loans and leases to total assets | 65.7304% | 3,024 |
| Net loans and leases to deposits | 75.7939% | 3,279 |
| Net loans and leases to core deposits | 86.7793% | 2,723 |
| Total domestic deposits to total assets | 86.7226% | 2,261 |
| Equity capital to assets | 10.6265% | 3,212 |
| Core capital (leverage) ratio | 10.9861% | 2,420 |
| Tier 1 risk-based capital ratio | 17.0117% | 2,276 |
| Total risk-based capital ratio | 18.2766% | 2,220 |
| Memoranda: | ||
| Average total assets | $80,229,200 | 4,866 |
| Average earning assets | $69,846,800 | 4,946 |
| Average equity | $9,111,800 | 4,821 |
| Average total loans | $58,664,400 | 4,410 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5189% | 256 |
| Cost of funding earning assets | 0.5379% | 1,906 |
| Net interest margin | 4.9810% | 268 |
| Noninterest income to average assets | 2.0755% | 341 |
| Noninterest expense to average assets | 5.1388% | 255 |
| Loan and lease loss provision to assets | 0.1635% | 1,303 |
| Net operating income to assets | 1.2357% | 1,538 |
| Return on assets (ROA) | 1.2357% | 1,593 |
| Pretax return on assets | 1.2357% | 2,672 |
| Return on Equity (ROE) | 10.6777% | 1,832 |
| Retained earnings to average equity (ytd only) | 9.1459% | 856 |
| Net charge-offs to loans | -0.0598% | 5,598 |
| Credit loss provision to net charge-offs | -365.3846% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5996% | 1,875 |
| Assets per employee ($millions) | 3.7330% | 4,387 |
| Cash dividends to net income (ytd only)* | 14.3454% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1156% | 750 |
| Loan loss allowance to noncurrent loans | 343.9276% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 1.0849% | 2,186 |
| Noncurrent loans to loans | 0.6151% | 3,470 |
| Net loans and leases to total assets | 74.9863% | 1,548 |
| Net loans and leases to deposits | 88.0413% | 1,898 |
| Net loans and leases to core deposits | 102.5358% | 1,337 |
| Total domestic deposits to total assets | 85.1717% | 2,942 |
| Equity capital to assets | 11.3568% | 2,636 |
| Core capital (leverage) ratio | 11.9548% | 1,697 |
| Tier 1 risk-based capital ratio | 16.3678% | 2,641 |
| Total risk-based capital ratio | 17.6330% | 2,581 |
| Memoranda: | ||
| Average total assets | $77,473,250 | 4,975 |
| Average earning assets | $69,408,500 | 5,010 |
| Average equity | $8,965,500 | 4,919 |
| Average total loans | $58,002,250 | 4,470 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4736% | 276 |
| Cost of funding earning assets | 0.5147% | 2,116 |
| Net interest margin | 4.9589% | 269 |
| Noninterest income to average assets | 1.8967% | 397 |
| Noninterest expense to average assets | 5.1105% | 267 |
| Loan and lease loss provision to assets | 0.1054% | 2,071 |
| Net operating income to assets | 1.1222% | 1,868 |
| Return on assets (ROA) | 1.1222% | 1,956 |
| Pretax return on assets | 1.1222% | 3,085 |
| Return on Equity (ROE) | 9.6326% | 2,236 |
| Retained earnings to average equity (ytd only) | 7.3036% | 1,569 |
| Net charge-offs to loans | -0.0887% | 5,741 |
| Credit loss provision to net charge-offs | -160.0000% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6318% | 1,668 |
| Assets per employee ($millions) | 3.6690% | 4,492 |
| Cash dividends to net income (ytd only)* | 24.1784% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1301% | 815 |
| Loan loss allowance to noncurrent loans | 344.5946% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 1.2200% | 2,075 |
| Noncurrent loans to loans | 0.6182% | 3,614 |
| Net loans and leases to total assets | 76.0295% | 1,364 |
| Net loans and leases to deposits | 87.6290% | 1,881 |
| Net loans and leases to core deposits | 96.9819% | 1,719 |
| Total domestic deposits to total assets | 86.7630% | 2,288 |
| Equity capital to assets | 11.7263% | 2,226 |
| Core capital (leverage) ratio | 12.2225% | 1,526 |
| Tier 1 risk-based capital ratio | 16.3598% | 2,679 |
| Total risk-based capital ratio | 17.6236% | 2,629 |
| Memoranda: | ||
| Average total assets | $75,922,000 | 5,057 |
| Average earning assets | $67,999,000 | 5,100 |
| Average equity | $8,845,000 | 4,973 |
| Average total loans | $56,364,670 | 4,567 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0829% | 496 |
| Cost of funding earning assets | 0.4966% | 2,317 |
| Net interest margin | 4.5863% | 518 |
| Noninterest income to average assets | 1.4438% | 561 |
| Noninterest expense to average assets | 5.2071% | 262 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4034% | 5,058 |
| Return on assets (ROA) | 0.4034% | 5,170 |
| Pretax return on assets | 0.4034% | 5,430 |
| Return on Equity (ROE) | 3.4743% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.4743% | 3,912 |
| Net charge-offs to loans | -0.1831% | 6,032 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8098% | 664 |
| Assets per employee ($millions) | 3.6426% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2171% | 790 |
| Loan loss allowance to noncurrent loans | 344.9721% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 1.2132% | 2,208 |
| Noncurrent loans to loans | 0.6427% | 3,664 |
| Net loans and leases to total assets | 71.2069% | 1,944 |
| Net loans and leases to deposits | 81.3614% | 2,399 |
| Net loans and leases to core deposits | 86.4340% | 2,504 |
| Total domestic deposits to total assets | 87.5193% | 2,096 |
| Equity capital to assets | 11.4885% | 2,470 |
| Core capital (leverage) ratio | 11.8296% | 1,754 |
| Tier 1 risk-based capital ratio | 17.7693% | 2,210 |
| Total risk-based capital ratio | 19.0351% | 2,165 |
| Memoranda: | ||
| Average total assets | $75,358,500 | 5,126 |
| Average earning assets | $68,465,500 | 5,133 |
| Average equity | $8,750,000 | 5,050 |
| Average total loans | $54,619,500 | 4,647 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 609 |
| Cost of funding earning assets | 0.5476% | 2,219 |
| Net interest margin | 4.5688% | 659 |
| Noninterest income to average assets | 2.2518% | 281 |
| Noninterest expense to average assets | 5.3117% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0645% | 2,113 |
| Return on assets (ROA) | 1.0645% | 2,169 |
| Pretax return on assets | 1.0645% | 3,235 |
| Return on Equity (ROE) | 8.4391% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.4391% | 854 |
| Net charge-offs to loans | 0.0568% | 3,695 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,481 |
| Efficiency ratio | 83.3056% | 1,487 |
| Assets per employee ($millions) | 3.7112% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2602% | 762 |
| Loan loss allowance to noncurrent loans | 283.3724% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 1.2543% | 2,244 |
| Noncurrent loans to loans | 0.7976% | 3,313 |
| Net loans and leases to total assets | 70.4970% | 2,158 |
| Net loans and leases to deposits | 80.2654% | 2,683 |
| Net loans and leases to core deposits | 89.0426% | 2,374 |
| Total domestic deposits to total assets | 87.8299% | 1,858 |
| Equity capital to assets | 11.7376% | 2,219 |
| Core capital (leverage) ratio | 12.1662% | 1,520 |
| Tier 1 risk-based capital ratio | 16.8734% | 2,561 |
| Total risk-based capital ratio | 18.1374% | 2,503 |
| Memoranda: | ||
| Average total assets | $65,948,400 | 5,392 |
| Average earning assets | $59,534,000 | 5,402 |
| Average equity | $8,318,400 | 5,123 |
| Average total loans | $47,502,000 | 4,901 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 568 |
| Cost of funding earning assets | 0.5469% | 2,320 |
| Net interest margin | 4.6141% | 600 |
| Noninterest income to average assets | 2.0997% | 316 |
| Noninterest expense to average assets | 5.3119% | 255 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9434% | 2,715 |
| Return on assets (ROA) | 0.9434% | 2,806 |
| Pretax return on assets | 0.9434% | 3,815 |
| Return on Equity (ROE) | 7.3315% | 3,539 |
| Retained earnings to average equity (ytd only) | 7.3315% | 1,654 |
| Net charge-offs to loans | -0.0145% | 5,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9183% | 1,293 |
| Assets per employee ($millions) | 3.6192% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4150% | 717 |
| Loan loss allowance to noncurrent loans | 262.0253% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.4223% | 2,170 |
| Noncurrent loans to loans | 0.9217% | 3,260 |
| Net loans and leases to total assets | 72.9830% | 1,686 |
| Net loans and leases to deposits | 83.7592% | 2,189 |
| Net loans and leases to core deposits | 90.5264% | 2,173 |
| Total domestic deposits to total assets | 87.1343% | 2,241 |
| Equity capital to assets | 12.3059% | 1,824 |
| Core capital (leverage) ratio | 12.3640% | 1,483 |
| Tier 1 risk-based capital ratio | 17.0723% | 2,592 |
| Total risk-based capital ratio | 18.3382% | 2,536 |
| Memoranda: | ||
| Average total assets | $63,879,750 | 5,515 |
| Average earning assets | $57,532,000 | 5,529 |
| Average equity | $8,220,000 | 5,187 |
| Average total loans | $45,993,750 | 4,997 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9811% | 776 |
| Cost of funding earning assets | 0.5368% | 2,470 |
| Net interest margin | 4.4443% | 790 |
| Noninterest income to average assets | 2.0947% | 324 |
| Noninterest expense to average assets | 5.2079% | 274 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8771% | 2,923 |
| Return on assets (ROA) | 0.8771% | 3,008 |
| Pretax return on assets | 0.8771% | 3,973 |
| Return on Equity (ROE) | 6.7082% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.7082% | 1,920 |
| Net charge-offs to loans | -0.0226% | 5,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5861% | 1,309 |
| Assets per employee ($millions) | 3.4056% | 5,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5032% | 705 |
| Loan loss allowance to noncurrent loans | 254.5082% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 1.4785% | 2,210 |
| Noncurrent loans to loans | 0.9835% | 3,266 |
| Net loans and leases to total assets | 71.0238% | 1,919 |
| Net loans and leases to deposits | 81.4847% | 2,316 |
| Net loans and leases to core deposits | 84.7331% | 2,651 |
| Total domestic deposits to total assets | 87.1621% | 2,365 |
| Equity capital to assets | 12.1610% | 1,876 |
| Core capital (leverage) ratio | 13.2274% | 1,073 |
| Tier 1 risk-based capital ratio | 16.7549% | 2,725 |
| Total risk-based capital ratio | 18.0207% | 2,686 |
| Memoranda: | ||
| Average total assets | $62,251,670 | 5,607 |
| Average earning assets | $55,891,330 | 5,628 |
| Average equity | $8,139,330 | 5,232 |
| Average total loans | $44,182,330 | 5,119 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0490% | 657 |
| Cost of funding earning assets | 0.5669% | 2,272 |
| Net interest margin | 4.4822% | 676 |
| Noninterest income to average assets | 2.0970% | 311 |
| Noninterest expense to average assets | 5.3201% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7754% | 3,276 |
| Return on assets (ROA) | 0.7754% | 3,358 |
| Pretax return on assets | 0.7754% | 4,200 |
| Return on Equity (ROE) | 5.7019% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.7019% | 2,690 |
| Net charge-offs to loans | -0.0193% | 5,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2788% | 1,309 |
| Assets per employee ($millions) | 3.6141% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8293% | 521 |
| Loan loss allowance to noncurrent loans | 180.8759% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 1.9597% | 1,746 |
| Noncurrent loans to loans | 1.5642% | 2,470 |
| Net loans and leases to total assets | 69.2606% | 2,025 |
| Net loans and leases to deposits | 80.3903% | 2,240 |
| Net loans and leases to core deposits | 84.1501% | 2,496 |
| Total domestic deposits to total assets | 86.1554% | 3,274 |
| Equity capital to assets | 13.2245% | 1,201 |
| Core capital (leverage) ratio | 13.5829% | 951 |
| Tier 1 risk-based capital ratio | 17.6026% | 2,447 |
| Total risk-based capital ratio | 18.8712% | 2,406 |
| Memoranda: | ||
| Average total assets | $59,322,000 | 5,730 |
| Average earning assets | $52,921,000 | 5,764 |
| Average equity | $8,067,500 | 5,275 |
| Average total loans | $41,465,000 | 5,260 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4856% | 370 |
| Cost of funding earning assets | 0.6329% | 2,354 |
| Net interest margin | 4.8527% | 392 |
| Noninterest income to average assets | 2.2083% | 344 |
| Noninterest expense to average assets | 5.7179% | 227 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6349% | 4,096 |
| Return on assets (ROA) | 0.6349% | 4,201 |
| Pretax return on assets | 0.6349% | 4,753 |
| Return on Equity (ROE) | 4.3497% | 4,961 |
| Retained earnings to average equity (ytd only) | 4.3497% | 3,083 |
| Net charge-offs to loans | 0.1130% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.6222% | 2,801 |
| Efficiency ratio | 90.0058% | 1,023 |
| Assets per employee ($millions) | 3.1781% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1606% | 389 |
| Loan loss allowance to noncurrent loans | 153.4739% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 2.9473% | 1,083 |
| Noncurrent loans to loans | 2.0594% | 1,921 |
| Net loans and leases to total assets | 66.2547% | 2,657 |
| Net loans and leases to deposits | 77.6676% | 2,769 |
| Net loans and leases to core deposits | 82.4813% | 2,841 |
| Total domestic deposits to total assets | 85.3055% | 3,593 |
| Equity capital to assets | 14.0023% | 896 |
| Core capital (leverage) ratio | 13.9827% | 827 |
| Tier 1 risk-based capital ratio | 18.6980% | 2,011 |
| Total risk-based capital ratio | 19.9688% | 1,966 |
| Memoranda: | ||
| Average total assets | $54,023,200 | 5,916 |
| Average earning assets | $46,139,000 | 5,987 |
| Average equity | $7,885,600 | 5,371 |
| Average total loans | $39,814,800 | 5,356 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6401% | 302 |
| Cost of funding earning assets | 0.6372% | 2,481 |
| Net interest margin | 5.0029% | 316 |
| Noninterest income to average assets | 2.4322% | 304 |
| Noninterest expense to average assets | 6.0343% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6262% | 4,236 |
| Return on assets (ROA) | 0.6262% | 4,357 |
| Pretax return on assets | 0.6262% | 4,930 |
| Return on Equity (ROE) | 4.2438% | 5,109 |
| Retained earnings to average equity (ytd only) | 4.2438% | 3,663 |
| Net charge-offs to loans | 0.1667% | 2,892 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.9997% | 3,306 |
| Efficiency ratio | 90.5980% | 947 |
| Assets per employee ($millions) | 3.5096% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0346% | 532 |
| Loan loss allowance to noncurrent loans | 150.4274% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 3.1254% | 1,163 |
| Noncurrent loans to loans | 2.0173% | 2,230 |
| Net loans and leases to total assets | 70.1049% | 1,949 |
| Net loans and leases to deposits | 82.3384% | 2,096 |
| Net loans and leases to core deposits | 88.0435% | 2,187 |
| Total domestic deposits to total assets | 85.1424% | 3,666 |
| Equity capital to assets | 14.0990% | 938 |
| Core capital (leverage) ratio | 14.7458% | 685 |
| Tier 1 risk-based capital ratio | 18.4295% | 2,166 |
| Total risk-based capital ratio | 19.6998% | 2,130 |
| Memoranda: | ||
| Average total assets | $53,227,750 | 6,002 |
| Average earning assets | $44,986,250 | 6,094 |
| Average equity | $7,854,500 | 5,433 |
| Average total loans | $39,984,000 | 5,395 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8344% | 231 |
| Cost of funding earning assets | 0.6518% | 2,474 |
| Net interest margin | 5.1825% | 215 |
| Noninterest income to average assets | 3.2190% | 229 |
| Noninterest expense to average assets | 6.6599% | 161 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8803% | 2,901 |
| Return on assets (ROA) | 0.8803% | 3,047 |
| Pretax return on assets | 0.8803% | 3,981 |
| Return on Equity (ROE) | 5.8721% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.8721% | 2,509 |
| Net charge-offs to loans | 0.2765% | 2,097 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.1818% | 3,197 |
| Efficiency ratio | 88.3249% | 1,191 |
| Assets per employee ($millions) | 3.6649% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0932% | 530 |
| Loan loss allowance to noncurrent loans | 133.9520% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 5.7202% | 494 |
| Noncurrent loans to loans | 2.3092% | 2,046 |
| Net loans and leases to total assets | 74.9206% | 1,118 |
| Net loans and leases to deposits | 89.5706% | 1,183 |
| Net loans and leases to core deposits | 95.8031% | 1,375 |
| Total domestic deposits to total assets | 83.6442% | 4,471 |
| Equity capital to assets | 15.3930% | 636 |
| Core capital (leverage) ratio | 15.1300% | 590 |
| Tier 1 risk-based capital ratio | 18.4031% | 2,176 |
| Total risk-based capital ratio | 19.6733% | 2,134 |
| Memoranda: | ||
| Average total assets | $52,252,670 | 6,066 |
| Average earning assets | $43,569,330 | 6,169 |
| Average equity | $7,833,670 | 5,471 |
| Average total loans | $39,779,330 | 5,430 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0288% | 161 |
| Cost of funding earning assets | 0.6658% | 2,520 |
| Net interest margin | 5.3629% | 152 |
| Noninterest income to average assets | 4.7644% | 155 |
| Noninterest expense to average assets | 7.2149% | 145 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0105% | 336 |
| Return on assets (ROA) | 2.0105% | 365 |
| Pretax return on assets | 2.0105% | 580 |
| Return on Equity (ROE) | 13.5871% | 1,036 |
| Retained earnings to average equity (ytd only) | 13.5871% | 485 |
| Net charge-offs to loans | 0.3113% | 1,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 8.5484% | 1,933 |
| Efficiency ratio | 78.2072% | 2,578 |
| Assets per employee ($millions) | 3.7352% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3003% | 494 |
| Loan loss allowance to noncurrent loans | 106.1069% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 7.6148% | 346 |
| Noncurrent loans to loans | 3.1103% | 1,597 |
| Net loans and leases to total assets | 70.0954% | 1,641 |
| Net loans and leases to deposits | 83.2255% | 1,676 |
| Net loans and leases to core deposits | 88.9620% | 1,810 |
| Total domestic deposits to total assets | 84.2235% | 4,380 |
| Equity capital to assets | 15.1722% | 719 |
| Core capital (leverage) ratio | 14.9570% | 599 |
| Tier 1 risk-based capital ratio | 17.8451% | 2,430 |
| Total risk-based capital ratio | 19.1132% | 2,385 |
| Memoranda: | ||
| Average total assets | $52,724,500 | 6,106 |
| Average earning assets | $43,856,500 | 6,218 |
| Average equity | $7,801,500 | 5,539 |
| Average total loans | $39,835,000 | 5,470 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4520% | 684 |
| Cost of funding earning assets | 0.6855% | 3,607 |
| Net interest margin | 4.7665% | 574 |
| Noninterest income to average assets | 1.8532% | 490 |
| Noninterest expense to average assets | 6.4721% | 185 |
| Loan and lease loss provision to assets | 0.8632% | 534 |
| Net operating income to assets | -1.5201% | 6,863 |
| Return on assets (ROA) | -1.5201% | 6,873 |
| Pretax return on assets | -1.5201% | 6,854 |
| Return on Equity (ROE) | -9.9704% | 6,722 |
| Retained earnings to average equity (ytd only) | -9.9704% | 6,636 |
| Net charge-offs to loans | 1.0730% | 995 |
| Credit loss provision to net charge-offs | 112.5926% | 2,586 |
| Earnings coverage of net charge-offs (x) | -0.8568% | 5,737 |
| Efficiency ratio | 111.2956% | 314 |
| Assets per employee ($millions) | 3.5437% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0696% | 624 |
| Loan loss allowance to noncurrent loans | 68.9247% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 6.6051% | 498 |
| Noncurrent loans to loans | 4.4536% | 965 |
| Net loans and leases to total assets | 76.1570% | 889 |
| Net loans and leases to deposits | 89.7625% | 1,092 |
| Net loans and leases to core deposits | 95.7791% | 1,324 |
| Total domestic deposits to total assets | 84.8427% | 3,927 |
| Equity capital to assets | 14.4273% | 902 |
| Core capital (leverage) ratio | 14.8604% | 595 |
| Tier 1 risk-based capital ratio | 17.0331% | 2,633 |
| Total risk-based capital ratio | 18.3036% | 2,593 |
| Memoranda: | ||
| Average total assets | $52,827,000 | 6,122 |
| Average earning assets | $43,910,600 | 6,239 |
| Average equity | $8,053,800 | 5,488 |
| Average total loans | $37,746,000 | 5,598 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4170% | 802 |
| Cost of funding earning assets | 0.6932% | 3,832 |
| Net interest margin | 4.7239% | 638 |
| Noninterest income to average assets | 0.7002% | 2,710 |
| Noninterest expense to average assets | 6.6735% | 160 |
| Loan and lease loss provision to assets | 0.2806% | 2,324 |
| Net operating income to assets | -2.3433% | 7,078 |
| Return on assets (ROA) | -2.3433% | 7,080 |
| Pretax return on assets | -2.3433% | 7,064 |
| Return on Equity (ROE) | -15.1653% | 6,935 |
| Retained earnings to average equity (ytd only) | -15.1653% | 6,910 |
| Net charge-offs to loans | 0.5879% | 1,865 |
| Credit loss provision to net charge-offs | 68.5185% | 3,947 |
| Earnings coverage of net charge-offs (x) | -5.0371% | 5,710 |
| Efficiency ratio | 144.7368% | 105 |
| Assets per employee ($millions) | 2.9811% | 6,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1949% | 598 |
| Loan loss allowance to noncurrent loans | 44.7139% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 9.2326% | 290 |
| Noncurrent loans to loans | 7.1452% | 503 |
| Net loans and leases to total assets | 70.5499% | 1,808 |
| Net loans and leases to deposits | 83.7546% | 1,894 |
| Net loans and leases to core deposits | 90.5921% | 1,914 |
| Total domestic deposits to total assets | 84.2341% | 4,115 |
| Equity capital to assets | 14.8898% | 850 |
| Core capital (leverage) ratio | 14.5421% | 698 |
| Tier 1 risk-based capital ratio | 18.0069% | 2,342 |
| Total risk-based capital ratio | 19.2768% | 2,307 |
| Memoranda: | ||
| Average total assets | $52,744,750 | 6,197 |
| Average earning assets | $43,663,500 | 6,319 |
| Average equity | $8,150,000 | 5,506 |
| Average total loans | $36,741,500 | 5,719 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4266% | 826 |
| Cost of funding earning assets | 0.6965% | 4,041 |
| Net interest margin | 4.7300% | 634 |
| Noninterest income to average assets | 1.8640% | 441 |
| Noninterest expense to average assets | 6.3369% | 191 |
| Loan and lease loss provision to assets | 0.4155% | 1,578 |
| Net operating income to assets | -0.9994% | 6,907 |
| Return on assets (ROA) | -0.9994% | 6,926 |
| Pretax return on assets | -0.9994% | 6,891 |
| Return on Equity (ROE) | -6.3942% | 6,809 |
| Retained earnings to average equity (ytd only) | -6.3942% | 6,686 |
| Net charge-offs to loans | 0.5126% | 2,048 |
| Credit loss provision to net charge-offs | 118.0851% | 2,332 |
| Earnings coverage of net charge-offs (x) | -1.6596% | 5,363 |
| Efficiency ratio | 110.1496% | 327 |
| Assets per employee ($millions) | 3.2174% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4306% | 526 |
| Loan loss allowance to noncurrent loans | 29.8422% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 14.7752% | 101 |
| Noncurrent loans to loans | 11.4956% | 189 |
| Net loans and leases to total assets | 68.2447% | 2,251 |
| Net loans and leases to deposits | 81.9134% | 2,123 |
| Net loans and leases to core deposits | 85.7293% | 2,464 |
| Total domestic deposits to total assets | 83.3133% | 4,619 |
| Equity capital to assets | 15.9408% | 592 |
| Core capital (leverage) ratio | 15.6923% | 499 |
| Tier 1 risk-based capital ratio | 19.2052% | 1,913 |
| Total risk-based capital ratio | 20.4690% | 1,886 |
| Memoranda: | ||
| Average total assets | $53,433,330 | 6,212 |
| Average earning assets | $43,932,000 | 6,352 |
| Average equity | $8,351,330 | 5,460 |
| Average total loans | $36,677,330 | 5,751 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4763% | 789 |
| Cost of funding earning assets | 0.7058% | 4,229 |
| Net interest margin | 4.7706% | 604 |
| Noninterest income to average assets | 1.7055% | 515 |
| Noninterest expense to average assets | 6.0797% | 194 |
| Loan and lease loss provision to assets | 0.2573% | 2,398 |
| Net operating income to assets | -0.7057% | 6,916 |
| Return on assets (ROA) | -0.7057% | 6,936 |
| Pretax return on assets | -0.7057% | 6,900 |
| Return on Equity (ROE) | -4.5584% | 6,836 |
| Retained earnings to average equity (ytd only) | -4.5584% | 6,552 |
| Net charge-offs to loans | 0.0760% | 3,740 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | -8.7143% | 4,689 |
| Efficiency ratio | 107.9634% | 372 |
| Assets per employee ($millions) | 3.3599% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3992% | 575 |
| Loan loss allowance to noncurrent loans | 47.4200% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 11.1332% | 238 |
| Noncurrent loans to loans | 7.1683% | 605 |
| Net loans and leases to total assets | 66.5557% | 2,371 |
| Net loans and leases to deposits | 79.2711% | 2,304 |
| Net loans and leases to core deposits | 82.7624% | 2,718 |
| Total domestic deposits to total assets | 83.9596% | 4,511 |
| Equity capital to assets | 15.5828% | 642 |
| Core capital (leverage) ratio | 15.7471% | 495 |
| Tier 1 risk-based capital ratio | 19.5414% | 1,830 |
| Total risk-based capital ratio | 20.8337% | 1,793 |
| Memoranda: | ||
| Average total assets | $54,411,000 | 6,214 |
| Average earning assets | $44,774,500 | 6,369 |
| Average equity | $8,424,000 | 5,457 |
| Average total loans | $36,826,500 | 5,785 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6788% | 815 |
| Cost of funding earning assets | 1.1386% | 2,420 |
| Net interest margin | 4.5401% | 1,045 |
| Noninterest income to average assets | 5.1433% | 119 |
| Noninterest expense to average assets | 6.3457% | 179 |
| Loan and lease loss provision to assets | 0.2040% | 4,145 |
| Net operating income to assets | 2.3255% | 176 |
| Return on assets (ROA) | 2.3255% | 184 |
| Pretax return on assets | 2.3255% | 283 |
| Return on Equity (ROE) | 16.7302% | 502 |
| Retained earnings to average equity (ytd only) | 16.7302% | 86 |
| Net charge-offs to loans | 0.4428% | 3,220 |
| Credit loss provision to net charge-offs | 66.8508% | 4,971 |
| Earnings coverage of net charge-offs (x) | 8.2873% | 2,176 |
| Efficiency ratio | 71.4991% | 3,692 |
| Assets per employee ($millions) | 3.9331% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3620% | 590 |
| Loan loss allowance to noncurrent loans | 153.8750% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 8.9496% | 406 |
| Noncurrent loans to loans | 2.1849% | 2,970 |
| Net loans and leases to total assets | 64.2598% | 3,129 |
| Net loans and leases to deposits | 76.3821% | 3,114 |
| Net loans and leases to core deposits | 79.6488% | 3,493 |
| Total domestic deposits to total assets | 84.1294% | 4,270 |
| Equity capital to assets | 15.3839% | 696 |
| Core capital (leverage) ratio | 15.4939% | 530 |
| Tier 1 risk-based capital ratio | 19.5446% | 1,744 |
| Total risk-based capital ratio | 20.8135% | 1,703 |
| Memoranda: | ||
| Average total assets | $59,300,000 | 6,062 |
| Average earning assets | $48,743,000 | 6,235 |
| Average equity | $8,242,600 | 5,500 |
| Average total loans | $40,877,000 | 5,647 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6717% | 894 |
| Cost of funding earning assets | 1.2643% | 1,906 |
| Net interest margin | 4.4075% | 1,387 |
| Noninterest income to average assets | 6.9803% | 88 |
| Noninterest expense to average assets | 6.4258% | 172 |
| Loan and lease loss provision to assets | 0.2673% | 3,372 |
| Net operating income to assets | 3.9143% | 58 |
| Return on assets (ROA) | 3.9143% | 60 |
| Pretax return on assets | 3.9143% | 89 |
| Return on Equity (ROE) | 28.8634% | 67 |
| Retained earnings to average equity (ytd only) | 28.8634% | 25 |
| Net charge-offs to loans | 0.5245% | 2,657 |
| Credit loss provision to net charge-offs | 73.3333% | 4,372 |
| Earnings coverage of net charge-offs (x) | 11.4730% | 1,806 |
| Efficiency ratio | 60.5789% | 5,625 |
| Assets per employee ($millions) | 3.7067% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3198% | 651 |
| Loan loss allowance to noncurrent loans | 163.6483% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 9.6059% | 387 |
| Noncurrent loans to loans | 2.0286% | 3,332 |
| Net loans and leases to total assets | 65.3154% | 3,052 |
| Net loans and leases to deposits | 78.0150% | 2,987 |
| Net loans and leases to core deposits | 81.3257% | 3,433 |
| Total domestic deposits to total assets | 83.7215% | 4,363 |
| Equity capital to assets | 15.9422% | 635 |
| Core capital (leverage) ratio | 15.4649% | 583 |
| Tier 1 risk-based capital ratio | 19.6759% | 1,764 |
| Total risk-based capital ratio | 20.9456% | 1,730 |
| Memoranda: | ||
| Average total assets | $60,359,000 | 6,074 |
| Average earning assets | $49,672,000 | 6,258 |
| Average equity | $8,185,500 | 5,542 |
| Average total loans | $41,942,500 | 5,650 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7553% | 786 |
| Cost of funding earning assets | 1.4095% | 1,377 |
| Net interest margin | 4.3458% | 1,522 |
| Noninterest income to average assets | 8.3590% | 79 |
| Noninterest expense to average assets | 6.5477% | 167 |
| Loan and lease loss provision to assets | 0.3390% | 2,752 |
| Net operating income to assets | 5.0658% | 51 |
| Return on assets (ROA) | 5.0658% | 51 |
| Pretax return on assets | 5.0658% | 70 |
| Return on Equity (ROE) | 39.4254% | 36 |
| Retained earnings to average equity (ytd only) | 39.4254% | 22 |
| Net charge-offs to loans | 0.8894% | 1,747 |
| Credit loss provision to net charge-offs | 54.4041% | 4,473 |
| Earnings coverage of net charge-offs (x) | 8.6736% | 2,018 |
| Efficiency ratio | 54.7812% | 6,535 |
| Assets per employee ($millions) | 3.7579% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0562% | 848 |
| Loan loss allowance to noncurrent loans | 134.7144% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 11.1249% | 303 |
| Noncurrent loans to loans | 2.2686% | 3,140 |
| Net loans and leases to total assets | 67.6968% | 2,672 |
| Net loans and leases to deposits | 80.5641% | 2,692 |
| Net loans and leases to core deposits | 85.3577% | 3,020 |
| Total domestic deposits to total assets | 84.0285% | 4,337 |
| Equity capital to assets | 15.3613% | 726 |
| Core capital (leverage) ratio | 14.1309% | 840 |
| Tier 1 risk-based capital ratio | 18.5720% | 1,978 |
| Total risk-based capital ratio | 19.8374% | 1,940 |
| Memoranda: | ||
| Average total assets | $61,945,000 | 6,081 |
| Average earning assets | $51,222,330 | 6,250 |
| Average equity | $7,959,330 | 5,624 |
| Average total loans | $43,402,330 | 5,639 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1068% | 397 |
| Cost of funding earning assets | 1.5895% | 849 |
| Net interest margin | 4.5173% | 1,033 |
| Noninterest income to average assets | 8.9537% | 74 |
| Noninterest expense to average assets | 5.7652% | 221 |
| Loan and lease loss provision to assets | 0.4882% | 1,799 |
| Net operating income to assets | 6.4758% | 41 |
| Return on assets (ROA) | 6.4758% | 43 |
| Pretax return on assets | 6.4758% | 55 |
| Return on Equity (ROE) | 55.0890% | 28 |
| Retained earnings to average equity (ytd only) | 55.0890% | 21 |
| Net charge-offs to loans | 0.5636% | 2,077 |
| Credit loss provision to net charge-offs | 123.4375% | 2,227 |
| Earnings coverage of net charge-offs (x) | 17.6094% | 1,217 |
| Efficiency ratio | 45.2913% | 7,234 |
| Assets per employee ($millions) | 4.5836% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1386% | 814 |
| Loan loss allowance to noncurrent loans | 71.0555% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 11.7329% | 286 |
| Noncurrent loans to loans | 4.4171% | 1,595 |
| Net loans and leases to total assets | 62.8097% | 3,696 |
| Net loans and leases to deposits | 75.7428% | 3,460 |
| Net loans and leases to core deposits | 78.9737% | 3,894 |
| Total domestic deposits to total assets | 82.9250% | 4,960 |
| Equity capital to assets | 12.6773% | 1,531 |
| Core capital (leverage) ratio | 12.0674% | 1,523 |
| Tier 1 risk-based capital ratio | 15.9023% | 2,951 |
| Total risk-based capital ratio | 17.1691% | 2,913 |
| Memoranda: | ||
| Average total assets | $64,733,000 | 6,038 |
| Average earning assets | $54,103,500 | 6,197 |
| Average equity | $7,609,500 | 5,740 |
| Average total loans | $45,422,000 | 5,590 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1320% | 126 |
| Cost of funding earning assets | 1.7223% | 1,501 |
| Net interest margin | 5.4097% | 197 |
| Noninterest income to average assets | -0.2733% | 7,502 |
| Noninterest expense to average assets | 4.3215% | 792 |
| Loan and lease loss provision to assets | 1.1195% | 1,424 |
| Net operating income to assets | -1.1689% | 6,773 |
| Return on assets (ROA) | -1.1689% | 6,794 |
| Pretax return on assets | -1.1689% | 6,727 |
| Return on Equity (ROE) | -9.1502% | 6,685 |
| Retained earnings to average equity (ytd only) | -9.1502% | 6,606 |
| Net charge-offs to loans | 1.4358% | 1,542 |
| Credit loss provision to net charge-offs | 105.4264% | 4,254 |
| Earnings coverage of net charge-offs (x) | -0.0465% | 6,170 |
| Efficiency ratio | 101.1561% | 743 |
| Assets per employee ($millions) | 4.6640% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6222% | 1,269 |
| Loan loss allowance to noncurrent loans | 34.4818% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 13.0161% | 228 |
| Noncurrent loans to loans | 7.6047% | 705 |
| Net loans and leases to total assets | 73.4226% | 1,783 |
| Net loans and leases to deposits | 97.6256% | 747 |
| Net loans and leases to core deposits | 105.3531% | 1,230 |
| Total domestic deposits to total assets | 75.2083% | 6,742 |
| Equity capital to assets | 10.8491% | 2,818 |
| Core capital (leverage) ratio | 11.5614% | 1,803 |
| Tier 1 risk-based capital ratio | 12.2937% | 5,218 |
| Total risk-based capital ratio | 13.5554% | 5,170 |
| Memoranda: | ||
| Average total assets | $60,742,400 | 6,165 |
| Average earning assets | $51,037,600 | 6,324 |
| Average equity | $7,759,400 | 5,788 |
| Average total loans | $44,921,800 | 5,708 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6033% | 79 |
| Cost of funding earning assets | 1.8075% | 1,386 |
| Net interest margin | 5.7958% | 116 |
| Noninterest income to average assets | 1.2326% | 906 |
| Noninterest expense to average assets | 4.4783% | 617 |
| Loan and lease loss provision to assets | 1.3623% | 995 |
| Net operating income to assets | 0.2550% | 5,332 |
| Return on assets (ROA) | 0.2550% | 5,494 |
| Pretax return on assets | 0.2550% | 5,601 |
| Return on Equity (ROE) | 1.9172% | 5,636 |
| Retained earnings to average equity (ytd only) | 1.9172% | 4,997 |
| Net charge-offs to loans | 1.6117% | 1,222 |
| Credit loss provision to net charge-offs | 114.9057% | 3,637 |
| Earnings coverage of net charge-offs (x) | 1.3642% | 4,714 |
| Efficiency ratio | 73.4679% | 3,419 |
| Assets per employee ($millions) | 4.6243% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1563% | 729 |
| Loan loss allowance to noncurrent loans | 28.9149% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 14.9777% | 158 |
| Noncurrent loans to loans | 10.9157% | 352 |
| Net loans and leases to total assets | 68.1383% | 3,176 |
| Net loans and leases to deposits | 79.6214% | 3,516 |
| Net loans and leases to core deposits | 89.3801% | 3,194 |
| Total domestic deposits to total assets | 85.5779% | 3,307 |
| Equity capital to assets | 13.1645% | 1,506 |
| Core capital (leverage) ratio | 12.8451% | 1,287 |
| Tier 1 risk-based capital ratio | 15.9377% | 2,791 |
| Total risk-based capital ratio | 17.2044% | 2,736 |
| Memoranda: | ||
| Average total assets | $59,604,000 | 6,285 |
| Average earning assets | $50,012,000 | 6,435 |
| Average equity | $7,928,250 | 5,813 |
| Average total loans | $43,844,000 | 5,838 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3566% | 58 |
| Cost of funding earning assets | 1.8365% | 1,505 |
| Net interest margin | 6.5200% | 67 |
| Noninterest income to average assets | 0.5788% | 3,486 |
| Noninterest expense to average assets | 4.6338% | 506 |
| Loan and lease loss provision to assets | 0.6360% | 2,255 |
| Net operating income to assets | 0.7807% | 3,064 |
| Return on assets (ROA) | 0.7807% | 3,208 |
| Pretax return on assets | 0.7807% | 3,949 |
| Return on Equity (ROE) | 5.8490% | 3,874 |
| Retained earnings to average equity (ytd only) | 5.8490% | 2,422 |
| Net charge-offs to loans | -0.0721% | 7,512 |
| Credit loss provision to net charge-offs | -1,181.2500% | 6,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5851% | 2,967 |
| Assets per employee ($millions) | 4.5615% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2335% | 680 |
| Loan loss allowance to noncurrent loans | 48.9283% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 12.7892% | 232 |
| Noncurrent loans to loans | 6.6087% | 894 |
| Net loans and leases to total assets | 73.7302% | 1,973 |
| Net loans and leases to deposits | 89.8650% | 1,878 |
| Net loans and leases to core deposits | 102.8148% | 1,755 |
| Total domestic deposits to total assets | 82.0455% | 4,962 |
| Equity capital to assets | 13.5346% | 1,332 |
| Core capital (leverage) ratio | 13.1528% | 1,157 |
| Tier 1 risk-based capital ratio | 14.9544% | 3,173 |
| Total risk-based capital ratio | 16.2232% | 3,132 |
| Memoranda: | ||
| Average total assets | $59,433,330 | 6,329 |
| Average earning assets | $49,877,000 | 6,478 |
| Average equity | $7,933,000 | 5,826 |
| Average total loans | $44,359,670 | 5,848 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7616% | 86 |
| Cost of funding earning assets | 1.8089% | 1,839 |
| Net interest margin | 5.9527% | 113 |
| Noninterest income to average assets | 1.2034% | 838 |
| Noninterest expense to average assets | 4.2824% | 735 |
| Loan and lease loss provision to assets | 0.6387% | 1,986 |
| Net operating income to assets | 1.3042% | 1,287 |
| Return on assets (ROA) | 1.3042% | 1,357 |
| Pretax return on assets | 1.3042% | 2,034 |
| Return on Equity (ROE) | 9.8396% | 2,158 |
| Retained earnings to average equity (ytd only) | 9.8396% | 1,177 |
| Net charge-offs to loans | -0.0728% | 7,452 |
| Credit loss provision to net charge-offs | -1,187.5000% | 6,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7905% | 4,555 |
| Assets per employee ($millions) | 4.2222% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2273% | 680 |
| Loan loss allowance to noncurrent loans | 48.3458% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 12.5679% | 230 |
| Noncurrent loans to loans | 6.6754% | 928 |
| Net loans and leases to total assets | 68.9398% | 3,167 |
| Net loans and leases to deposits | 79.9400% | 3,665 |
| Net loans and leases to core deposits | 98.7448% | 2,268 |
| Total domestic deposits to total assets | 86.2394% | 3,014 |
| Equity capital to assets | 13.5068% | 1,324 |
| Core capital (leverage) ratio | 13.5653% | 1,066 |
| Tier 1 risk-based capital ratio | 15.7565% | 2,750 |
| Total risk-based capital ratio | 17.0058% | 2,696 |
| Memoranda: | ||
| Average total assets | $59,500,000 | 6,405 |
| Average earning assets | $50,196,000 | 6,540 |
| Average equity | $7,886,500 | 5,885 |
| Average total loans | $43,948,000 | 5,937 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4907% | 4,193 |
| Cost of funding earning assets | 1.9308% | 3,296 |
| Net interest margin | 3.5598% | 4,695 |
| Noninterest income to average assets | -1.0014% | 7,987 |
| Noninterest expense to average assets | 4.6541% | 679 |
| Loan and lease loss provision to assets | 3.0282% | 571 |
| Net operating income to assets | -5.6193% | 7,806 |
| Return on assets (ROA) | -5.6193% | 7,799 |
| Pretax return on assets | -5.6193% | 7,772 |
| Return on Equity (ROE) | -33.9275% | 7,475 |
| Retained earnings to average equity (ytd only) | -33.9275% | 7,463 |
| Net charge-offs to loans | 5.4217% | 213 |
| Credit loss provision to net charge-offs | 76.5550% | 6,369 |
| Earnings coverage of net charge-offs (x) | -0.6551% | 6,783 |
| Efficiency ratio | 225.6047% | 108 |
| Assets per employee ($millions) | 4.9908% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7432% | 980 |
| Loan loss allowance to noncurrent loans | 36.3111% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 11.1540% | 292 |
| Noncurrent loans to loans | 7.5547% | 693 |
| Net loans and leases to total assets | 74.3542% | 2,176 |
| Net loans and leases to deposits | 88.7158% | 2,436 |
| Net loans and leases to core deposits | 123.5640% | 1,672 |
| Total domestic deposits to total assets | 83.8117% | 4,119 |
| Equity capital to assets | 13.0057% | 1,503 |
| Core capital (leverage) ratio | 11.9370% | 1,692 |
| Tier 1 risk-based capital ratio | 14.6735% | 3,117 |
| Total risk-based capital ratio | 15.9489% | 3,057 |
| Memoranda: | ||
| Average total assets | $58,121,000 | 6,430 |
| Average earning assets | $50,030,200 | 6,531 |
| Average equity | $9,626,400 | 5,406 |
| Average total loans | $42,403,600 | 6,001 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9865% | 6,642 |
| Cost of funding earning assets | 1.8766% | 4,009 |
| Net interest margin | 3.1099% | 6,289 |
| Noninterest income to average assets | -0.5548% | 8,050 |
| Noninterest expense to average assets | 4.5053% | 743 |
| Loan and lease loss provision to assets | 2.5589% | 642 |
| Net operating income to assets | -4.9376% | 7,834 |
| Return on assets (ROA) | -4.9376% | 7,833 |
| Pretax return on assets | -4.9376% | 7,801 |
| Return on Equity (ROE) | -28.2372% | 7,567 |
| Retained earnings to average equity (ytd only) | -28.2372% | 7,553 |
| Net charge-offs to loans | 3.1794% | 508 |
| Credit loss provision to net charge-offs | 111.7053% | 4,547 |
| Earnings coverage of net charge-offs (x) | -1.0383% | 6,636 |
| Efficiency ratio | 211.8478% | 127 |
| Assets per employee ($millions) | 4.9199% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2030% | 256 |
| Loan loss allowance to noncurrent loans | 41.1587% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 11.3097% | 263 |
| Noncurrent loans to loans | 10.2116% | 381 |
| Net loans and leases to total assets | 63.2370% | 5,033 |
| Net loans and leases to deposits | 72.8414% | 5,529 |
| Net loans and leases to core deposits | 107.1908% | 3,569 |
| Total domestic deposits to total assets | 86.8146% | 2,277 |
| Equity capital to assets | 12.9459% | 1,717 |
| Core capital (leverage) ratio | 14.0662% | 1,074 |
| Tier 1 risk-based capital ratio | 17.2040% | 2,212 |
| Total risk-based capital ratio | 18.4831% | 2,148 |
| Memoranda: | ||
| Average total assets | $57,679,000 | 6,479 |
| Average earning assets | $49,733,000 | 6,582 |
| Average equity | $10,085,750 | 5,313 |
| Average total loans | $41,558,000 | 6,083 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 7,547 |
| Cost of funding earning assets | 1.8856% | 4,344 |
| Net interest margin | 2.7048% | 7,186 |
| Noninterest income to average assets | 0.0111% | 7,910 |
| Noninterest expense to average assets | 4.8456% | 578 |
| Loan and lease loss provision to assets | 1.5200% | 1,126 |
| Net operating income to assets | -4.0411% | 7,839 |
| Return on assets (ROA) | -4.0411% | 7,837 |
| Pretax return on assets | -4.0411% | 7,756 |
| Return on Equity (ROE) | -20.8108% | 7,522 |
| Retained earnings to average equity (ytd only) | -20.8108% | 7,476 |
| Net charge-offs to loans | 6.3148% | 158 |
| Credit loss provision to net charge-offs | 32.2581% | 6,001 |
| Earnings coverage of net charge-offs (x) | -0.5350% | 6,090 |
| Efficiency ratio | 208.4530% | 177 |
| Assets per employee ($millions) | 4.2016% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1499% | 1,317 |
| Loan loss allowance to noncurrent loans | 20.7325% | 7,082 |
| Noncurrent assets plus other real estate owned to assets | 11.8578% | 189 |
| Noncurrent loans to loans | 10.3697% | 326 |
| Net loans and leases to total assets | 72.2689% | 3,142 |
| Net loans and leases to deposits | 87.2985% | 3,303 |
| Net loans and leases to core deposits | 141.3889% | 959 |
| Total domestic deposits to total assets | 82.7837% | 4,346 |
| Equity capital to assets | 16.9341% | 670 |
| Core capital (leverage) ratio | 18.4757% | 459 |
| Tier 1 risk-based capital ratio | 19.4047% | 1,702 |
| Total risk-based capital ratio | 20.5560% | 1,674 |
| Memoranda: | ||
| Average total assets | $53,945,670 | 6,676 |
| Average earning assets | $46,140,000 | 6,795 |
| Average equity | $10,475,330 | 5,222 |
| Average total loans | $40,254,670 | 6,194 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 7,979 |
| Cost of funding earning assets | 1.8394% | 4,919 |
| Net interest margin | 2.1914% | 7,809 |
| Noninterest income to average assets | 0.0078% | 8,025 |
| Noninterest expense to average assets | 4.9469% | 503 |
| Loan and lease loss provision to assets | 1.9026% | 641 |
| Net operating income to assets | -4.9080% | 8,035 |
| Return on assets (ROA) | -4.9080% | 8,027 |
| Pretax return on assets | -4.9080% | 7,977 |
| Return on Equity (ROE) | -23.5546% | 7,820 |
| Retained earnings to average equity (ytd only) | -23.5546% | 7,734 |
| Net charge-offs to loans | 11.7848% | 44 |
| Credit loss provision to net charge-offs | 21.5101% | 5,059 |
| Earnings coverage of net charge-offs (x) | -0.3398% | 5,199 |
| Efficiency ratio | 254.8000% | 122 |
| Assets per employee ($millions) | 3.7709% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3101% | 932 |
| Loan loss allowance to noncurrent loans | 16.9904% | 7,313 |
| Noncurrent assets plus other real estate owned to assets | 10.0451% | 226 |
| Noncurrent loans to loans | 13.5964% | 131 |
| Net loans and leases to total assets | 72.1738% | 3,206 |
| Net loans and leases to deposits | 90.2827% | 2,882 |
| Net loans and leases to core deposits | 148.6501% | 754 |
| Total domestic deposits to total assets | 79.9420% | 5,394 |
| Equity capital to assets | 19.7322% | 435 |
| Core capital (leverage) ratio | 21.5041% | 330 |
| Tier 1 risk-based capital ratio | 24.0029% | 1,080 |
| Total risk-based capital ratio | 25.1642% | 1,067 |
| Memoranda: | ||
| Average total assets | $51,507,500 | 6,801 |
| Average earning assets | $45,450,000 | 6,861 |
| Average equity | $10,732,500 | 5,177 |
| Average total loans | $38,660,000 | 6,295 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2542% | 4,217 |
| Cost of funding earning assets | 1.6957% | 7,265 |
| Net interest margin | 4.5585% | 1,289 |
| Noninterest income to average assets | 0.0147% | 8,050 |
| Noninterest expense to average assets | 6.1068% | 390 |
| Loan and lease loss provision to assets | 5.5653% | 76 |
| Net operating income to assets | -7.6225% | 8,212 |
| Return on assets (ROA) | -7.6225% | 8,207 |
| Pretax return on assets | -7.6225% | 8,184 |
| Return on Equity (ROE) | -25.0343% | 7,865 |
| Retained earnings to average equity (ytd only) | -25.0343% | 7,812 |
| Net charge-offs to loans | 0.9105% | 1,361 |
| Credit loss provision to net charge-offs | 768.6992% | 555 |
| Earnings coverage of net charge-offs (x) | -2.8415% | 6,756 |
| Efficiency ratio | 150.7994% | 345 |
| Assets per employee ($millions) | 3.5874% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6846% | 119 |
| Loan loss allowance to noncurrent loans | 43.4941% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 8.2174% | 273 |
| Noncurrent loans to loans | 10.7707% | 178 |
| Net loans and leases to total assets | 72.7197% | 3,429 |
| Net loans and leases to deposits | 93.4664% | 2,863 |
| Net loans and leases to core deposits | 156.2372% | 661 |
| Total domestic deposits to total assets | 77.8030% | 5,775 |
| Equity capital to assets | 21.9979% | 353 |
| Core capital (leverage) ratio | 26.2660% | 239 |
| Tier 1 risk-based capital ratio | 26.2535% | 885 |
| Total risk-based capital ratio | 27.5415% | 859 |
| Memoranda: | ||
| Average total assets | $33,978,400 | 7,461 |
| Average earning assets | $30,075,800 | 7,507 |
| Average equity | $10,345,800 | 5,309 |
| Average total loans | $27,016,800 | 6,895 |