Home > First Fidelity Bank > Performance and Condition Ratios
First Fidelity 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 | 4.7176% | 2,639 |
| Cost of funding earning assets | 0.8156% | 3,692 |
| Net interest margin | 3.9020% | 1,373 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.0018% | 3,630 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.5428% | 947 |
| Return on assets (ROA) | 1.4958% | 999 |
| Pretax return on assets | 1.9229% | 751 |
| Return on Equity (ROE) | 22.4800% | 429 |
| Retained earnings to average equity (ytd only) | 19.9659% | 134 |
| Net charge-offs to loans | -0.0043% | 3,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.3277% | 3,959 |
| Assets per employee ($millions) | 6.6300% | 2,318 |
| Cash dividends to net income (ytd only)* | 11.1707% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 1,821 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 3,341 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 44.3300% | 3,885 |
| Net loans and leases to deposits | 48.1666% | 3,989 |
| Net loans and leases to core deposits | 53.4883% | 3,989 |
| Total domestic deposits to total assets | 92.0300% | 304 |
| Equity capital to assets | 7.6962% | 3,605 |
| Core capital (leverage) ratio | 9.9702% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8646% | 807 |
| Memoranda: | ||
| Average total assets | $149,614,600 | 3,367 |
| Average earning assets | $141,131,200 | 3,333 |
| Average equity | $9,957,000 | 3,724 |
| Average total loans | $69,888,000 | 3,549 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7028% | 2,466 |
| Cost of funding earning assets | 0.7291% | 3,698 |
| Net interest margin | 3.9737% | 1,263 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.9145% | 3,780 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.4993% | 1,126 |
| Return on assets (ROA) | 1.4363% | 1,224 |
| Pretax return on assets | 1.8294% | 965 |
| Return on Equity (ROE) | 22.4800% | 527 |
| Retained earnings to average equity (ytd only) | 22.4827% | 179 |
| Net charge-offs to loans | -0.0038% | 3,687 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.5366% | 3,947 |
| Assets per employee ($millions) | 6.5853% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,240 |
| Loan loss allowance to noncurrent loans | 833.6634% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 2,836 |
| Noncurrent loans to loans | 0.1471% | 2,818 |
| Net loans and leases to total assets | 44.7600% | 3,884 |
| Net loans and leases to deposits | 47.9724% | 4,006 |
| Net loans and leases to core deposits | 52.9561% | 3,962 |
| Total domestic deposits to total assets | 93.3100% | 263 |
| Equity capital to assets | 6.3217% | 3,889 |
| Core capital (leverage) ratio | 9.3824% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5770% | 1,006 |
| Memoranda: | ||
| Average total assets | $148,895,750 | 3,382 |
| Average earning assets | $140,252,500 | 3,355 |
| Average equity | $9,512,250 | 3,769 |
| Average total loans | $70,239,750 | 3,555 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5407% | 2,548 |
| Cost of funding earning assets | 0.6230% | 3,699 |
| Net interest margin | 3.9176% | 1,391 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.9035% | 3,813 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.4716% | 1,163 |
| Return on assets (ROA) | 1.3767% | 1,370 |
| Pretax return on assets | 1.7347% | 1,143 |
| Return on Equity (ROE) | 21.4700% | 582 |
| Retained earnings to average equity (ytd only) | 21.4722% | 201 |
| Net charge-offs to loans | -0.0057% | 3,743 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.1067% | 3,921 |
| Assets per employee ($millions) | 6.5784% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,082 |
| Loan loss allowance to noncurrent loans | 895.1456% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 2,766 |
| Noncurrent loans to loans | 0.1416% | 2,761 |
| Net loans and leases to total assets | 45.4700% | 3,820 |
| Net loans and leases to deposits | 48.6693% | 3,964 |
| Net loans and leases to core deposits | 52.8025% | 3,926 |
| Total domestic deposits to total assets | 93.4300% | 191 |
| Equity capital to assets | 6.4194% | 4,027 |
| Core capital (leverage) ratio | 8.9810% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1336% | 1,098 |
| Memoranda: | ||
| Average total assets | $148,040,333 | 3,395 |
| Average earning assets | $139,319,000 | 3,372 |
| Average equity | $9,491,333 | 3,799 |
| Average total loans | $70,773,667 | 3,549 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 2,594 |
| Cost of funding earning assets | 0.5072% | 3,664 |
| Net interest margin | 3.8785% | 1,516 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.9424% | 3,763 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.3807% | 1,465 |
| Return on assets (ROA) | 1.3807% | 1,438 |
| Pretax return on assets | 1.7859% | 1,092 |
| Return on Equity (ROE) | 21.5500% | 619 |
| Retained earnings to average equity (ytd only) | 21.5497% | 304 |
| Net charge-offs to loans | -0.0057% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.5196% | 3,819 |
| Assets per employee ($millions) | 5.9880% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,029 |
| Loan loss allowance to noncurrent loans | 365.9919% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 2,004 |
| Noncurrent loans to loans | 0.3556% | 1,872 |
| Net loans and leases to total assets | 47.7000% | 3,651 |
| Net loans and leases to deposits | 51.4354% | 3,821 |
| Net loans and leases to core deposits | 55.9973% | 3,742 |
| Total domestic deposits to total assets | 92.7300% | 349 |
| Equity capital to assets | 6.8366% | 3,893 |
| Core capital (leverage) ratio | 9.3492% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3674% | 1,296 |
| Memoranda: | ||
| Average total assets | $143,120,000 | 3,492 |
| Average earning assets | $134,073,000 | 3,468 |
| Average equity | $9,169,500 | 3,875 |
| Average total loans | $69,802,500 | 3,609 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4596% | 3,183 |
| Cost of funding earning assets | 0.2044% | 3,718 |
| Net interest margin | 3.2551% | 2,691 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.8591% | 3,909 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0436% | 2,402 |
| Return on assets (ROA) | 0.9361% | 2,773 |
| Pretax return on assets | 1.1577% | 2,580 |
| Return on Equity (ROE) | 14.3100% | 1,459 |
| Retained earnings to average equity (ytd only) | 13.2467% | 474 |
| Net charge-offs to loans | -0.0077% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.6567% | 3,387 |
| Assets per employee ($millions) | 5.9387% | 2,824 |
| Cash dividends to net income (ytd only)* | 7.4184% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 2,054 |
| Loan loss allowance to noncurrent loans | 556.2500% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 2,373 |
| Noncurrent loans to loans | 0.2281% | 2,359 |
| Net loans and leases to total assets | 48.6000% | 3,623 |
| Net loans and leases to deposits | 51.8533% | 3,811 |
| Net loans and leases to core deposits | 55.7476% | 3,728 |
| Total domestic deposits to total assets | 93.7200% | 275 |
| Equity capital to assets | 5.9735% | 4,098 |
| Core capital (leverage) ratio | 8.9822% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1342% | 1,334 |
| Memoranda: | ||
| Average total assets | $143,997,800 | 3,503 |
| Average earning assets | $134,526,000 | 3,480 |
| Average equity | $9,421,200 | 3,943 |
| Average total loans | $65,084,600 | 3,660 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2344% | 3,349 |
| Cost of funding earning assets | 0.1758% | 3,560 |
| Net interest margin | 3.0586% | 3,055 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.8250% | 3,932 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.9357% | 2,735 |
| Return on assets (ROA) | 0.9365% | 2,696 |
| Pretax return on assets | 1.1434% | 2,581 |
| Return on Equity (ROE) | 14.0100% | 1,423 |
| Retained earnings to average equity (ytd only) | 14.0129% | 465 |
| Net charge-offs to loans | -0.0084% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.2623% | 3,083 |
| Assets per employee ($millions) | 7.2683% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,218 |
| Loan loss allowance to noncurrent loans | 529.3750% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 2,471 |
| Noncurrent loans to loans | 0.2379% | 2,435 |
| Net loans and leases to total assets | 45.6900% | 3,781 |
| Net loans and leases to deposits | 48.3187% | 3,939 |
| Net loans and leases to core deposits | 50.7500% | 3,914 |
| Total domestic deposits to total assets | 94.5600% | 276 |
| Equity capital to assets | 5.1257% | 4,260 |
| Core capital (leverage) ratio | 8.6084% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5574% | 1,547 |
| Memoranda: | ||
| Average total assets | $144,365,000 | 3,523 |
| Average earning assets | $134,962,250 | 3,495 |
| Average equity | $9,648,000 | 3,955 |
| Average total loans | $63,817,500 | 3,694 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0119% | 3,532 |
| Cost of funding earning assets | 0.1757% | 3,238 |
| Net interest margin | 2.8363% | 3,324 |
| Noninterest income to average assets | 0.1710% | 4,154 |
| Noninterest expense to average assets | 1.8291% | 3,888 |
| Loan and lease loss provision to assets | 0.0431% | 1,792 |
| Net operating income to assets | 0.8341% | 2,838 |
| Return on assets (ROA) | 0.8353% | 2,806 |
| Pretax return on assets | 0.9479% | 2,910 |
| Return on Equity (ROE) | 11.7295% | 1,750 |
| Retained earnings to average equity (ytd only) | 11.7295% | 655 |
| Net charge-offs to loans | -0.0064% | 3,424 |
| Credit loss provision to net charge-offs | -1,550.0000% | 3,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8915% | 2,653 |
| Assets per employee ($millions) | 6.1745% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 2,352 |
| Loan loss allowance to noncurrent loans | 496.9325% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 2,566 |
| Noncurrent loans to loans | 0.2548% | 2,458 |
| Net loans and leases to total assets | 42.6287% | 3,928 |
| Net loans and leases to deposits | 45.2618% | 4,055 |
| Net loans and leases to core deposits | 47.6892% | 4,038 |
| Total domestic deposits to total assets | 94.1824% | 255 |
| Equity capital to assets | 5.5510% | 4,347 |
| Core capital (leverage) ratio | 8.4311% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7855% | 1,489 |
| Memoranda: | ||
| Average total assets | $143,899,000 | 3,567 |
| Average earning assets | $134,332,000 | 3,552 |
| Average equity | $10,247,667 | 3,956 |
| Average total loans | $62,669,000 | 3,747 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9606% | 3,368 |
| Cost of funding earning assets | 0.1809% | 3,076 |
| Net interest margin | 2.7797% | 3,201 |
| Noninterest income to average assets | 0.2201% | 3,836 |
| Noninterest expense to average assets | 1.8172% | 3,898 |
| Loan and lease loss provision to assets | 0.0423% | 1,596 |
| Net operating income to assets | 0.8244% | 2,577 |
| Return on assets (ROA) | 0.8268% | 2,564 |
| Pretax return on assets | 0.9651% | 2,556 |
| Return on Equity (ROE) | 10.4099% | 1,820 |
| Retained earnings to average equity (ytd only) | 10.4099% | 923 |
| Net charge-offs to loans | -0.0065% | 3,428 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4000% | 2,982 |
| Assets per employee ($millions) | 5.9542% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 2,513 |
| Loan loss allowance to noncurrent loans | 474.8503% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 2,591 |
| Noncurrent loans to loans | 0.2668% | 2,519 |
| Net loans and leases to total assets | 43.2428% | 3,794 |
| Net loans and leases to deposits | 46.7276% | 3,940 |
| Net loans and leases to core deposits | 49.2630% | 3,907 |
| Total domestic deposits to total assets | 92.5423% | 395 |
| Equity capital to assets | 7.0994% | 4,159 |
| Core capital (leverage) ratio | 8.3204% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8923% | 1,542 |
| Memoranda: | ||
| Average total assets | $141,754,000 | 3,602 |
| Average earning assets | $132,675,000 | 3,588 |
| Average equity | $11,258,500 | 3,931 |
| Average total loans | $62,013,000 | 3,761 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9353% | 3,989 |
| Cost of funding earning assets | 0.2228% | 3,224 |
| Net interest margin | 2.7125% | 3,849 |
| Noninterest income to average assets | 0.4276% | 2,912 |
| Noninterest expense to average assets | 1.9398% | 3,838 |
| Loan and lease loss provision to assets | 0.0457% | 2,138 |
| Net operating income to assets | 0.8311% | 3,232 |
| Return on assets (ROA) | 0.8460% | 3,265 |
| Pretax return on assets | 0.9931% | 3,277 |
| Return on Equity (ROE) | 9.2977% | 2,786 |
| Retained earnings to average equity (ytd only) | 9.2977% | 1,101 |
| Net charge-offs to loans | -0.0194% | 3,965 |
| Credit loss provision to net charge-offs | -545.4545% | 3,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5084% | 2,338 |
| Assets per employee ($millions) | 5.8587% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,536 |
| Loan loss allowance to noncurrent loans | 482.6087% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 2,744 |
| Noncurrent loans to loans | 0.2620% | 2,671 |
| Net loans and leases to total assets | 43.1426% | 3,900 |
| Net loans and leases to deposits | 47.4905% | 4,025 |
| Net loans and leases to core deposits | 50.4336% | 3,995 |
| Total domestic deposits to total assets | 90.8448% | 557 |
| Equity capital to assets | 8.7989% | 3,809 |
| Core capital (leverage) ratio | 8.2718% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7606% | 1,598 |
| Memoranda: | ||
| Average total assets | $131,202,200 | 3,667 |
| Average earning assets | $122,543,800 | 3,655 |
| Average equity | $11,938,400 | 3,937 |
| Average total loans | $56,564,000 | 3,883 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9351% | 4,110 |
| Cost of funding earning assets | 0.2309% | 3,320 |
| Net interest margin | 2.7042% | 3,963 |
| Noninterest income to average assets | 0.4698% | 2,753 |
| Noninterest expense to average assets | 1.9743% | 3,749 |
| Loan and lease loss provision to assets | 0.0466% | 2,066 |
| Net operating income to assets | 0.8394% | 3,418 |
| Return on assets (ROA) | 0.8475% | 3,456 |
| Pretax return on assets | 0.9789% | 3,525 |
| Return on Equity (ROE) | 9.2305% | 3,028 |
| Retained earnings to average equity (ytd only) | 9.2305% | 1,604 |
| Net charge-offs to loans | -0.0169% | 3,899 |
| Credit loss provision to net charge-offs | -642.8571% | 3,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0208% | 2,095 |
| Assets per employee ($millions) | 5.9508% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 2,459 |
| Loan loss allowance to noncurrent loans | 141.6822% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 1,686 |
| Noncurrent loans to loans | 0.9212% | 1,248 |
| Net loans and leases to total assets | 41.8768% | 4,102 |
| Net loans and leases to deposits | 46.2166% | 4,223 |
| Net loans and leases to core deposits | 49.2346% | 4,179 |
| Total domestic deposits to total assets | 90.6099% | 504 |
| Equity capital to assets | 8.9480% | 3,875 |
| Core capital (leverage) ratio | 8.4215% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4465% | 1,505 |
| Memoranda: | ||
| Average total assets | $128,850,750 | 3,728 |
| Average earning assets | $120,105,500 | 3,721 |
| Average equity | $11,830,000 | 4,003 |
| Average total loans | $55,345,250 | 3,957 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9334% | 4,171 |
| Cost of funding earning assets | 0.2366% | 3,414 |
| Net interest margin | 2.6968% | 3,985 |
| Noninterest income to average assets | 0.4502% | 2,838 |
| Noninterest expense to average assets | 2.0368% | 3,587 |
| Loan and lease loss provision to assets | 0.0571% | 1,890 |
| Net operating income to assets | 0.7937% | 3,530 |
| Return on assets (ROA) | 0.8068% | 3,563 |
| Pretax return on assets | 0.8813% | 3,699 |
| Return on Equity (ROE) | 8.7076% | 3,188 |
| Retained earnings to average equity (ytd only) | 8.7076% | 1,816 |
| Net charge-offs to loans | -0.0257% | 4,092 |
| Credit loss provision to net charge-offs | -514.2857% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7901% | 1,782 |
| Assets per employee ($millions) | 5.7290% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 2,268 |
| Loan loss allowance to noncurrent loans | 186.3184% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 2,154 |
| Noncurrent loans to loans | 0.7159% | 1,651 |
| Net loans and leases to total assets | 42.0447% | 4,175 |
| Net loans and leases to deposits | 46.5637% | 4,287 |
| Net loans and leases to core deposits | 49.6799% | 4,245 |
| Total domestic deposits to total assets | 90.2950% | 648 |
| Equity capital to assets | 9.1153% | 3,690 |
| Core capital (leverage) ratio | 8.5837% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5905% | 1,210 |
| Memoranda: | ||
| Average total assets | $126,178,333 | 3,782 |
| Average earning assets | $117,473,667 | 3,767 |
| Average equity | $11,691,000 | 4,026 |
| Average total loans | $54,435,667 | 4,000 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9198% | 4,228 |
| Cost of funding earning assets | 0.2474% | 3,499 |
| Net interest margin | 2.6725% | 4,021 |
| Noninterest income to average assets | 0.6905% | 1,896 |
| Noninterest expense to average assets | 2.0067% | 3,695 |
| Loan and lease loss provision to assets | 0.0875% | 1,506 |
| Net operating income to assets | 0.8361% | 3,310 |
| Return on assets (ROA) | 0.8591% | 3,319 |
| Pretax return on assets | 1.1120% | 3,084 |
| Return on Equity (ROE) | 9.1926% | 2,965 |
| Retained earnings to average equity (ytd only) | 9.1926% | 1,891 |
| Net charge-offs to loans | -0.0448% | 4,349 |
| Credit loss provision to net charge-offs | -450.0000% | 3,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1633% | 2,582 |
| Assets per employee ($millions) | 5.5103% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 2,132 |
| Loan loss allowance to noncurrent loans | 185.2130% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 2,295 |
| Noncurrent loans to loans | 0.7360% | 1,760 |
| Net loans and leases to total assets | 42.1926% | 4,220 |
| Net loans and leases to deposits | 46.6940% | 4,317 |
| Net loans and leases to core deposits | 49.5956% | 4,317 |
| Total domestic deposits to total assets | 90.3596% | 639 |
| Equity capital to assets | 9.0020% | 3,683 |
| Core capital (leverage) ratio | 8.8079% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5651% | 988 |
| Memoranda: | ||
| Average total assets | $123,384,000 | 3,825 |
| Average earning assets | $114,800,500 | 3,798 |
| Average equity | $11,531,000 | 4,054 |
| Average total loans | $53,578,500 | 4,029 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2995% | 4,333 |
| Cost of funding earning assets | 0.3793% | 3,712 |
| Net interest margin | 2.9203% | 4,073 |
| Noninterest income to average assets | 0.2711% | 3,854 |
| Noninterest expense to average assets | 2.1741% | 3,743 |
| Loan and lease loss provision to assets | 0.0190% | 4,151 |
| Net operating income to assets | 0.6391% | 3,627 |
| Return on assets (ROA) | 0.7328% | 3,449 |
| Pretax return on assets | 0.9072% | 3,346 |
| Return on Equity (ROE) | 7.6196% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.6196% | 1,166 |
| Net charge-offs to loans | -0.0039% | 4,077 |
| Credit loss provision to net charge-offs | -1,050.0000% | 4,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8429% | 1,591 |
| Assets per employee ($millions) | 5.2187% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 2,261 |
| Loan loss allowance to noncurrent loans | 168.4964% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 2,171 |
| Noncurrent loans to loans | 0.7914% | 1,755 |
| Net loans and leases to total assets | 43.5208% | 4,273 |
| Net loans and leases to deposits | 48.5844% | 4,370 |
| Net loans and leases to core deposits | 51.4609% | 4,372 |
| Total domestic deposits to total assets | 89.5776% | 739 |
| Equity capital to assets | 9.7084% | 3,397 |
| Core capital (leverage) ratio | 8.9064% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2649% | 867 |
| Memoranda: | ||
| Average total assets | $110,666,000 | 3,873 |
| Average earning assets | $102,833,200 | 3,862 |
| Average equity | $10,643,600 | 4,136 |
| Average total loans | $51,026,800 | 4,098 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3748% | 4,382 |
| Cost of funding earning assets | 0.4132% | 3,741 |
| Net interest margin | 2.9616% | 4,067 |
| Noninterest income to average assets | 0.1674% | 4,462 |
| Noninterest expense to average assets | 2.1823% | 3,721 |
| Loan and lease loss provision to assets | 0.0185% | 4,098 |
| Net operating income to assets | 0.5838% | 3,817 |
| Return on assets (ROA) | 0.7114% | 3,526 |
| Pretax return on assets | 0.8764% | 3,448 |
| Return on Equity (ROE) | 7.4163% | 3,041 |
| Retained earnings to average equity (ytd only) | 7.4163% | 1,525 |
| Net charge-offs to loans | -0.0053% | 4,059 |
| Credit loss provision to net charge-offs | -750.0000% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7470% | 1,335 |
| Assets per employee ($millions) | 5.1003% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 2,231 |
| Loan loss allowance to noncurrent loans | 163.1702% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 2,267 |
| Noncurrent loans to loans | 0.7866% | 1,854 |
| Net loans and leases to total assets | 45.8929% | 4,318 |
| Net loans and leases to deposits | 51.2075% | 4,441 |
| Net loans and leases to core deposits | 53.6375% | 4,465 |
| Total domestic deposits to total assets | 89.6213% | 544 |
| Equity capital to assets | 9.6012% | 3,602 |
| Core capital (leverage) ratio | 9.0889% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9665% | 917 |
| Memoranda: | ||
| Average total assets | $108,325,000 | 3,897 |
| Average earning assets | $100,664,250 | 3,880 |
| Average equity | $10,391,250 | 4,174 |
| Average total loans | $50,547,500 | 4,123 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4675% | 4,457 |
| Cost of funding earning assets | 0.4592% | 3,748 |
| Net interest margin | 3.0083% | 4,110 |
| Noninterest income to average assets | 0.1766% | 4,409 |
| Noninterest expense to average assets | 2.2804% | 3,572 |
| Loan and lease loss provision to assets | 0.0171% | 4,021 |
| Net operating income to assets | 0.5616% | 3,857 |
| Return on assets (ROA) | 0.7633% | 3,288 |
| Pretax return on assets | 0.9209% | 3,258 |
| Return on Equity (ROE) | 7.9599% | 2,762 |
| Retained earnings to average equity (ytd only) | 7.9599% | 1,319 |
| Net charge-offs to loans | -0.0041% | 3,951 |
| Credit loss provision to net charge-offs | -900.0000% | 3,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6433% | 1,200 |
| Assets per employee ($millions) | 4.8267% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 2,046 |
| Loan loss allowance to noncurrent loans | 97.6056% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 1,621 |
| Noncurrent loans to loans | 1.3227% | 1,168 |
| Net loans and leases to total assets | 47.7277% | 4,270 |
| Net loans and leases to deposits | 53.3677% | 4,405 |
| Net loans and leases to core deposits | 56.2272% | 4,425 |
| Total domestic deposits to total assets | 89.4319% | 603 |
| Equity capital to assets | 9.8241% | 3,347 |
| Core capital (leverage) ratio | 9.3954% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7209% | 806 |
| Memoranda: | ||
| Average total assets | $105,330,667 | 3,920 |
| Average earning assets | $97,996,667 | 3,908 |
| Average equity | $10,100,667 | 4,208 |
| Average total loans | $49,218,000 | 4,159 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5730% | 4,559 |
| Cost of funding earning assets | 0.5038% | 3,925 |
| Net interest margin | 3.0692% | 4,163 |
| Noninterest income to average assets | 0.1795% | 4,469 |
| Noninterest expense to average assets | 2.3495% | 3,654 |
| Loan and lease loss provision to assets | 0.0117% | 3,629 |
| Net operating income to assets | 0.5659% | 3,693 |
| Return on assets (ROA) | 0.5659% | 3,761 |
| Pretax return on assets | 0.6713% | 3,768 |
| Return on Equity (ROE) | 5.9806% | 3,324 |
| Retained earnings to average equity (ytd only) | 5.9806% | 1,881 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4775% | 1,402 |
| Assets per employee ($millions) | 4.4372% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 1,480 |
| Loan loss allowance to noncurrent loans | 95.9441% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8358% | 1,608 |
| Noncurrent loans to loans | 1.5243% | 1,048 |
| Net loans and leases to total assets | 45.2889% | 4,453 |
| Net loans and leases to deposits | 50.1988% | 4,584 |
| Net loans and leases to core deposits | 53.4867% | 4,584 |
| Total domestic deposits to total assets | 90.2191% | 265 |
| Equity capital to assets | 9.3027% | 4,393 |
| Core capital (leverage) ratio | 9.6411% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9487% | 873 |
| Memoranda: | ||
| Average total assets | $102,489,500 | 3,952 |
| Average earning assets | $95,269,500 | 3,937 |
| Average equity | $9,698,000 | 4,272 |
| Average total loans | $46,988,500 | 4,208 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6692% | 4,711 |
| Cost of funding earning assets | 0.5478% | 3,888 |
| Net interest margin | 3.1214% | 4,336 |
| Noninterest income to average assets | 0.1985% | 4,472 |
| Noninterest expense to average assets | 2.3656% | 3,782 |
| Loan and lease loss provision to assets | 0.0060% | 3,890 |
| Net operating income to assets | 0.6060% | 4,137 |
| Return on assets (ROA) | 0.6800% | 3,995 |
| Pretax return on assets | 0.8368% | 3,902 |
| Return on Equity (ROE) | 7.2570% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.2570% | 1,272 |
| Net charge-offs to loans | -0.0022% | 4,231 |
| Credit loss provision to net charge-offs | -600.0000% | 4,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8917% | 1,384 |
| Assets per employee ($millions) | 4.6780% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 1,361 |
| Loan loss allowance to noncurrent loans | 151.7778% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 2,175 |
| Noncurrent loans to loans | 0.9561% | 1,601 |
| Net loans and leases to total assets | 45.0693% | 4,558 |
| Net loans and leases to deposits | 50.0945% | 4,686 |
| Net loans and leases to core deposits | 53.3450% | 4,666 |
| Total domestic deposits to total assets | 89.9686% | 331 |
| Equity capital to assets | 9.6447% | 4,223 |
| Core capital (leverage) ratio | 9.6475% | 3,905 |
| Tier 1 risk-based capital ratio | 18.5781% | 1,613 |
| Total risk-based capital ratio | 19.8291% | 1,585 |
| Memoranda: | ||
| Average total assets | $100,737,600 | 3,992 |
| Average earning assets | $94,189,600 | 3,963 |
| Average equity | $9,439,200 | 4,314 |
| Average total loans | $45,741,400 | 4,268 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 4,776 |
| Cost of funding earning assets | 0.5481% | 3,941 |
| Net interest margin | 3.1607% | 4,378 |
| Noninterest income to average assets | 0.2076% | 4,478 |
| Noninterest expense to average assets | 2.3314% | 3,873 |
| Loan and lease loss provision to assets | 0.0067% | 3,748 |
| Net operating income to assets | 0.6592% | 4,137 |
| Return on assets (ROA) | 0.7572% | 3,893 |
| Pretax return on assets | 0.9462% | 3,747 |
| Return on Equity (ROE) | 8.1422% | 3,242 |
| Retained earnings to average equity (ytd only) | 8.1422% | 1,332 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7374% | 1,610 |
| Assets per employee ($millions) | 4.4194% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 1,232 |
| Loan loss allowance to noncurrent loans | 143.0672% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 2,187 |
| Noncurrent loans to loans | 1.0533% | 1,521 |
| Net loans and leases to total assets | 43.7888% | 4,701 |
| Net loans and leases to deposits | 48.6374% | 4,807 |
| Net loans and leases to core deposits | 51.8462% | 4,801 |
| Total domestic deposits to total assets | 90.0312% | 280 |
| Equity capital to assets | 9.7622% | 4,246 |
| Core capital (leverage) ratio | 9.6478% | 4,029 |
| Tier 1 risk-based capital ratio | 19.4477% | 1,469 |
| Total risk-based capital ratio | 20.6987% | 1,444 |
| Memoranda: | ||
| Average total assets | $100,192,750 | 4,041 |
| Average earning assets | $93,648,750 | 4,019 |
| Average equity | $9,317,500 | 4,376 |
| Average total loans | $45,410,000 | 4,328 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7405% | 4,783 |
| Cost of funding earning assets | 0.5432% | 3,915 |
| Net interest margin | 3.1972% | 4,373 |
| Noninterest income to average assets | 0.1966% | 4,580 |
| Noninterest expense to average assets | 2.3368% | 3,904 |
| Loan and lease loss provision to assets | 0.0060% | 3,609 |
| Net operating income to assets | 0.6838% | 4,053 |
| Return on assets (ROA) | 0.8284% | 3,612 |
| Pretax return on assets | 1.0190% | 3,477 |
| Return on Equity (ROE) | 9.0613% | 2,826 |
| Retained earnings to average equity (ytd only) | 9.0613% | 1,018 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4089% | 1,716 |
| Assets per employee ($millions) | 4.3426% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 1,306 |
| Loan loss allowance to noncurrent loans | 142.6471% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 2,185 |
| Noncurrent loans to loans | 1.0445% | 1,569 |
| Net loans and leases to total assets | 44.9479% | 4,685 |
| Net loans and leases to deposits | 49.8125% | 4,811 |
| Net loans and leases to core deposits | 52.9835% | 4,801 |
| Total domestic deposits to total assets | 90.2343% | 268 |
| Equity capital to assets | 9.5364% | 4,369 |
| Core capital (leverage) ratio | 9.5553% | 4,098 |
| Tier 1 risk-based capital ratio | 19.2175% | 1,504 |
| Total risk-based capital ratio | 20.4698% | 1,469 |
| Memoranda: | ||
| Average total assets | $99,708,000 | 4,073 |
| Average earning assets | $93,143,670 | 4,056 |
| Average equity | $9,115,670 | 4,420 |
| Average total loans | $45,483,000 | 4,357 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 4,797 |
| Cost of funding earning assets | 0.5379% | 3,879 |
| Net interest margin | 3.2014% | 4,382 |
| Noninterest income to average assets | 0.2008% | 4,556 |
| Noninterest expense to average assets | 2.3248% | 3,957 |
| Loan and lease loss provision to assets | 0.0080% | 3,333 |
| Net operating income to assets | 0.6796% | 4,003 |
| Return on assets (ROA) | 0.6384% | 4,164 |
| Pretax return on assets | 0.8030% | 4,033 |
| Return on Equity (ROE) | 7.1372% | 3,622 |
| Retained earnings to average equity (ytd only) | 7.1372% | 1,987 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9219% | 1,893 |
| Assets per employee ($millions) | 4.5575% | 3,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 1,419 |
| Loan loss allowance to noncurrent loans | 997.0588% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 4,160 |
| Noncurrent loans to loans | 0.1478% | 4,070 |
| Net loans and leases to total assets | 45.2082% | 4,695 |
| Net loans and leases to deposits | 49.8932% | 4,816 |
| Net loans and leases to core deposits | 53.2932% | 4,809 |
| Total domestic deposits to total assets | 90.6099% | 252 |
| Equity capital to assets | 9.1119% | 4,607 |
| Core capital (leverage) ratio | 9.3541% | 4,313 |
| Tier 1 risk-based capital ratio | 19.7927% | 1,377 |
| Total risk-based capital ratio | 21.0452% | 1,354 |
| Memoranda: | ||
| Average total assets | $99,622,000 | 4,115 |
| Average earning assets | $92,959,500 | 4,098 |
| Average equity | $8,911,000 | 4,474 |
| Average total loans | $45,438,000 | 4,400 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5782% | 4,824 |
| Cost of funding earning assets | 0.4453% | 3,711 |
| Net interest margin | 3.1329% | 4,605 |
| Noninterest income to average assets | 0.2291% | 4,541 |
| Noninterest expense to average assets | 2.3604% | 3,971 |
| Loan and lease loss provision to assets | 0.0062% | 3,993 |
| Net operating income to assets | 0.6426% | 4,305 |
| Return on assets (ROA) | 0.6133% | 4,386 |
| Pretax return on assets | 0.7351% | 4,327 |
| Return on Equity (ROE) | 6.8565% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.8565% | 1,733 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2406% | 1,461 |
| Assets per employee ($millions) | 4.3034% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 1,270 |
| Loan loss allowance to noncurrent loans | 938.8889% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 4,151 |
| Noncurrent loans to loans | 0.1605% | 4,021 |
| Net loans and leases to total assets | 44.6499% | 4,796 |
| Net loans and leases to deposits | 49.0347% | 4,914 |
| Net loans and leases to core deposits | 52.3861% | 4,891 |
| Total domestic deposits to total assets | 91.0577% | 191 |
| Equity capital to assets | 8.7756% | 4,750 |
| Core capital (leverage) ratio | 9.3517% | 4,299 |
| Tier 1 risk-based capital ratio | 19.7376% | 1,351 |
| Total risk-based capital ratio | 20.9911% | 1,319 |
| Memoranda: | ||
| Average total assets | $96,043,600 | 4,166 |
| Average earning assets | $89,151,800 | 4,162 |
| Average equity | $8,590,400 | 4,514 |
| Average total loans | $45,552,200 | 4,420 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5748% | 4,842 |
| Cost of funding earning assets | 0.4286% | 3,674 |
| Net interest margin | 3.1462% | 4,621 |
| Noninterest income to average assets | 0.2336% | 4,575 |
| Noninterest expense to average assets | 2.3362% | 4,004 |
| Loan and lease loss provision to assets | 0.0070% | 3,835 |
| Net operating income to assets | 0.6732% | 4,308 |
| Return on assets (ROA) | 0.6337% | 4,421 |
| Pretax return on assets | 0.7596% | 4,401 |
| Return on Equity (ROE) | 7.0505% | 3,916 |
| Retained earnings to average equity (ytd only) | 7.0505% | 2,101 |
| Net charge-offs to loans | 0.0029% | 3,371 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 583.4436% | 150 |
| Efficiency ratio | 74.1563% | 1,569 |
| Assets per employee ($millions) | 4.1944% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 1,383 |
| Loan loss allowance to noncurrent loans | 1,087.0968% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 3,980 |
| Noncurrent loans to loans | 0.1370% | 4,267 |
| Net loans and leases to total assets | 46.2072% | 4,795 |
| Net loans and leases to deposits | 50.8963% | 4,922 |
| Net loans and leases to core deposits | 54.3337% | 4,902 |
| Total domestic deposits to total assets | 90.7870% | 269 |
| Equity capital to assets | 8.9539% | 4,594 |
| Core capital (leverage) ratio | 9.6551% | 3,987 |
| Tier 1 risk-based capital ratio | 19.9205% | 1,352 |
| Total risk-based capital ratio | 21.1720% | 1,317 |
| Memoranda: | ||
| Average total assets | $95,309,750 | 4,221 |
| Average earning assets | $88,357,000 | 4,216 |
| Average equity | $8,566,500 | 4,559 |
| Average total loans | $45,722,750 | 4,463 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5199% | 4,896 |
| Cost of funding earning assets | 0.4075% | 3,667 |
| Net interest margin | 3.1123% | 4,707 |
| Noninterest income to average assets | 0.2486% | 4,517 |
| Noninterest expense to average assets | 2.3263% | 4,088 |
| Loan and lease loss provision to assets | 0.0063% | 3,712 |
| Net operating income to assets | 0.6297% | 4,406 |
| Return on assets (ROA) | 0.5731% | 4,582 |
| Pretax return on assets | 0.7248% | 4,447 |
| Return on Equity (ROE) | 6.3747% | 4,110 |
| Retained earnings to average equity (ytd only) | 6.3747% | 2,372 |
| Net charge-offs to loans | 0.0044% | 3,020 |
| Credit loss provision to net charge-offs | 300.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 381.0000% | 242 |
| Efficiency ratio | 74.3434% | 1,659 |
| Assets per employee ($millions) | 4.2115% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 1,488 |
| Loan loss allowance to noncurrent loans | 102.1277% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 2,012 |
| Noncurrent loans to loans | 1.4386% | 1,178 |
| Net loans and leases to total assets | 46.5250% | 4,796 |
| Net loans and leases to deposits | 51.2026% | 4,940 |
| Net loans and leases to core deposits | 54.6327% | 4,913 |
| Total domestic deposits to total assets | 90.8645% | 286 |
| Equity capital to assets | 8.9073% | 4,636 |
| Core capital (leverage) ratio | 9.5025% | 4,111 |
| Tier 1 risk-based capital ratio | 19.4720% | 1,440 |
| Total risk-based capital ratio | 20.7241% | 1,400 |
| Memoranda: | ||
| Average total assets | $94,916,670 | 4,267 |
| Average earning assets | $87,844,330 | 4,258 |
| Average equity | $8,533,670 | 4,606 |
| Average total loans | $45,880,000 | 4,495 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4891% | 4,896 |
| Cost of funding earning assets | 0.3913% | 3,652 |
| Net interest margin | 3.0979% | 4,709 |
| Noninterest income to average assets | 0.2172% | 4,704 |
| Noninterest expense to average assets | 2.3589% | 4,046 |
| Loan and lease loss provision to assets | 0.0085% | 3,406 |
| Net operating income to assets | 0.5497% | 4,578 |
| Return on assets (ROA) | 0.5195% | 4,644 |
| Pretax return on assets | 0.6770% | 4,501 |
| Return on Equity (ROE) | 5.7503% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.7503% | 2,832 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5193% | 1,517 |
| Assets per employee ($millions) | 3.9304% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 1,611 |
| Loan loss allowance to noncurrent loans | 109.4463% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 2,022 |
| Noncurrent loans to loans | 1.3350% | 1,332 |
| Net loans and leases to total assets | 48.0462% | 4,693 |
| Net loans and leases to deposits | 52.9630% | 4,844 |
| Net loans and leases to core deposits | 56.6009% | 4,818 |
| Total domestic deposits to total assets | 90.7166% | 408 |
| Equity capital to assets | 8.9781% | 4,581 |
| Core capital (leverage) ratio | 9.4375% | 4,143 |
| Tier 1 risk-based capital ratio | 18.8129% | 1,601 |
| Total risk-based capital ratio | 20.0644% | 1,560 |
| Memoranda: | ||
| Average total assets | $93,943,000 | 4,328 |
| Average earning assets | $86,898,000 | 4,326 |
| Average equity | $8,486,500 | 4,666 |
| Average total loans | $45,951,000 | 4,542 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4178% | 4,915 |
| Cost of funding earning assets | 0.3844% | 3,386 |
| Net interest margin | 3.0334% | 4,816 |
| Noninterest income to average assets | 0.1965% | 4,967 |
| Noninterest expense to average assets | 2.3769% | 4,139 |
| Loan and lease loss provision to assets | 0.0032% | 4,183 |
| Net operating income to assets | 0.4081% | 4,662 |
| Return on assets (ROA) | 0.4346% | 4,603 |
| Pretax return on assets | 0.6449% | 4,640 |
| Return on Equity (ROE) | 4.7424% | 4,275 |
| Retained earnings to average equity (ytd only) | 1.8294% | 4,220 |
| Net charge-offs to loans | -0.0047% | 4,626 |
| Credit loss provision to net charge-offs | -150.0000% | 4,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6137% | 1,143 |
| Assets per employee ($millions) | 3.7422% | 4,377 |
| Cash dividends to net income (ytd only)* | 61.4251% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 1,550 |
| Loan loss allowance to noncurrent loans | 110.7438% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.7728% | 2,022 |
| Noncurrent loans to loans | 1.3179% | 1,320 |
| Net loans and leases to total assets | 48.3539% | 4,744 |
| Net loans and leases to deposits | 53.3285% | 4,921 |
| Net loans and leases to core deposits | 57.4429% | 4,875 |
| Total domestic deposits to total assets | 90.6719% | 342 |
| Equity capital to assets | 9.0897% | 4,627 |
| Core capital (leverage) ratio | 9.3976% | 4,163 |
| Tier 1 risk-based capital ratio | 18.7524% | 1,572 |
| Total risk-based capital ratio | 20.0043% | 1,528 |
| Memoranda: | ||
| Average total assets | $93,652,400 | 4,355 |
| Average earning assets | $86,107,400 | 4,359 |
| Average equity | $8,582,200 | 4,690 |
| Average total loans | $42,964,000 | 4,645 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3790% | 4,989 |
| Cost of funding earning assets | 0.3815% | 3,365 |
| Net interest margin | 2.9975% | 4,924 |
| Noninterest income to average assets | 0.1822% | 5,107 |
| Noninterest expense to average assets | 2.3584% | 4,124 |
| Loan and lease loss provision to assets | 0.0029% | 4,054 |
| Net operating income to assets | 0.4263% | 4,941 |
| Return on assets (ROA) | 0.4711% | 4,858 |
| Pretax return on assets | 0.6319% | 4,776 |
| Return on Equity (ROE) | 5.1306% | 4,482 |
| Retained earnings to average equity (ytd only) | 5.1306% | 2,795 |
| Net charge-offs to loans | -0.0031% | 4,377 |
| Credit loss provision to net charge-offs | -200.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3979% | 1,060 |
| Assets per employee ($millions) | 3.9254% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 1,471 |
| Loan loss allowance to noncurrent loans | 100.9063% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 2,080 |
| Noncurrent loans to loans | 1.5042% | 1,243 |
| Net loans and leases to total assets | 46.0068% | 4,938 |
| Net loans and leases to deposits | 50.8739% | 5,097 |
| Net loans and leases to core deposits | 55.1501% | 5,036 |
| Total domestic deposits to total assets | 90.4331% | 343 |
| Equity capital to assets | 9.3652% | 4,579 |
| Core capital (leverage) ratio | 9.5043% | 4,162 |
| Tier 1 risk-based capital ratio | 19.4867% | 1,484 |
| Total risk-based capital ratio | 20.7384% | 1,445 |
| Memoranda: | ||
| Average total assets | $93,676,500 | 4,391 |
| Average earning assets | $85,980,000 | 4,405 |
| Average equity | $8,601,750 | 4,732 |
| Average total loans | $42,228,000 | 4,710 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3301% | 5,061 |
| Cost of funding earning assets | 0.3765% | 3,318 |
| Net interest margin | 2.9536% | 4,998 |
| Noninterest income to average assets | 0.1818% | 5,143 |
| Noninterest expense to average assets | 2.3722% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4056% | 4,970 |
| Return on assets (ROA) | 0.4428% | 4,889 |
| Pretax return on assets | 0.5583% | 4,886 |
| Return on Equity (ROE) | 4.8546% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.8546% | 2,808 |
| Net charge-offs to loans | -0.0048% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2700% | 978 |
| Assets per employee ($millions) | 3.9599% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5803% | 1,313 |
| Loan loss allowance to noncurrent loans | 99.8501% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7660% | 2,292 |
| Noncurrent loans to loans | 1.5827% | 1,170 |
| Net loans and leases to total assets | 43.6430% | 5,062 |
| Net loans and leases to deposits | 48.2308% | 5,207 |
| Net loans and leases to core deposits | 52.2341% | 5,137 |
| Total domestic deposits to total assets | 90.4879% | 365 |
| Equity capital to assets | 9.2017% | 4,717 |
| Core capital (leverage) ratio | 9.3267% | 4,332 |
| Tier 1 risk-based capital ratio | 19.2738% | 1,526 |
| Total risk-based capital ratio | 20.5271% | 1,474 |
| Memoranda: | ||
| Average total assets | $93,498,670 | 4,428 |
| Average earning assets | $85,522,000 | 4,439 |
| Average equity | $8,528,000 | 4,765 |
| Average total loans | $41,633,670 | 4,756 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2898% | 5,123 |
| Cost of funding earning assets | 0.3765% | 3,237 |
| Net interest margin | 2.9133% | 5,061 |
| Noninterest income to average assets | 0.1898% | 5,140 |
| Noninterest expense to average assets | 2.3682% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3653% | 5,036 |
| Return on assets (ROA) | 0.4227% | 4,907 |
| Pretax return on assets | 0.5694% | 4,797 |
| Return on Equity (ROE) | 4.6559% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.6559% | 3,088 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8054% | 1,086 |
| Assets per employee ($millions) | 3.8794% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6254% | 1,318 |
| Loan loss allowance to noncurrent loans | 109.5552% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 2,500 |
| Noncurrent loans to loans | 1.4837% | 1,356 |
| Net loans and leases to total assets | 43.2275% | 5,084 |
| Net loans and leases to deposits | 47.7086% | 5,235 |
| Net loans and leases to core deposits | 51.1502% | 5,179 |
| Total domestic deposits to total assets | 90.6074% | 425 |
| Equity capital to assets | 9.1391% | 4,669 |
| Core capital (leverage) ratio | 9.3198% | 4,319 |
| Tier 1 risk-based capital ratio | 20.1421% | 1,362 |
| Total risk-based capital ratio | 21.3965% | 1,332 |
| Memoranda: | ||
| Average total assets | $92,729,500 | 4,487 |
| Average earning assets | $84,990,500 | 4,496 |
| Average equity | $8,419,500 | 4,823 |
| Average total loans | $41,379,000 | 4,804 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3634% | 5,050 |
| Cost of funding earning assets | 0.3894% | 3,107 |
| Net interest margin | 2.9740% | 5,011 |
| Noninterest income to average assets | 0.2077% | 5,172 |
| Noninterest expense to average assets | 2.3284% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4707% | 4,743 |
| Return on assets (ROA) | 0.4782% | 4,793 |
| Pretax return on assets | 0.6243% | 4,724 |
| Return on Equity (ROE) | 5.2932% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.2932% | 2,138 |
| Net charge-offs to loans | -0.0686% | 5,476 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1176% | 1,539 |
| Assets per employee ($millions) | 3.8481% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 1,398 |
| Loan loss allowance to noncurrent loans | 95.0000% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7601% | 2,456 |
| Noncurrent loans to loans | 1.6728% | 1,154 |
| Net loans and leases to total assets | 44.5904% | 5,082 |
| Net loans and leases to deposits | 49.1320% | 5,243 |
| Net loans and leases to core deposits | 52.6928% | 5,192 |
| Total domestic deposits to total assets | 90.7562% | 367 |
| Equity capital to assets | 9.0196% | 4,795 |
| Core capital (leverage) ratio | 9.3175% | 4,331 |
| Tier 1 risk-based capital ratio | 20.0396% | 1,367 |
| Total risk-based capital ratio | 21.2924% | 1,336 |
| Memoranda: | ||
| Average total assets | $92,425,600 | 4,501 |
| Average earning assets | $85,003,400 | 4,496 |
| Average equity | $8,350,400 | 4,875 |
| Average total loans | $40,804,800 | 4,846 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3678% | 5,091 |
| Cost of funding earning assets | 0.3895% | 3,132 |
| Net interest margin | 2.9783% | 5,054 |
| Noninterest income to average assets | 0.2106% | 5,206 |
| Noninterest expense to average assets | 2.3581% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4525% | 4,866 |
| Return on assets (ROA) | 0.4558% | 4,933 |
| Pretax return on assets | 0.6029% | 4,868 |
| Return on Equity (ROE) | 5.0424% | 4,498 |
| Retained earnings to average equity (ytd only) | 5.0424% | 2,799 |
| Net charge-offs to loans | -0.0888% | 5,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7561% | 1,463 |
| Assets per employee ($millions) | 3.8491% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 1,430 |
| Loan loss allowance to noncurrent loans | 94.3182% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.7642% | 2,638 |
| Noncurrent loans to loans | 1.7107% | 1,225 |
| Net loans and leases to total assets | 43.8281% | 5,206 |
| Net loans and leases to deposits | 48.3942% | 5,367 |
| Net loans and leases to core deposits | 51.9270% | 5,315 |
| Total domestic deposits to total assets | 90.5650% | 305 |
| Equity capital to assets | 9.2456% | 4,926 |
| Core capital (leverage) ratio | 9.0467% | 4,781 |
| Tier 1 risk-based capital ratio | 20.4264% | 1,369 |
| Total risk-based capital ratio | 21.6813% | 1,334 |
| Memoranda: | ||
| Average total assets | $92,443,500 | 4,538 |
| Average earning assets | $85,236,250 | 4,526 |
| Average equity | $8,355,500 | 4,926 |
| Average total loans | $40,544,500 | 4,904 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3376% | 5,208 |
| Cost of funding earning assets | 0.3883% | 3,168 |
| Net interest margin | 2.9494% | 5,172 |
| Noninterest income to average assets | 0.2227% | 5,157 |
| Noninterest expense to average assets | 2.3760% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7286% | 3,661 |
| Return on assets (ROA) | 0.7351% | 3,789 |
| Pretax return on assets | 0.5794% | 4,943 |
| Return on Equity (ROE) | 8.1574% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.1574% | 1,127 |
| Net charge-offs to loans | -0.1239% | 5,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5718% | 1,436 |
| Assets per employee ($millions) | 3.9179% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 1,476 |
| Loan loss allowance to noncurrent loans | 93.7677% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.7530% | 2,719 |
| Noncurrent loans to loans | 1.7260% | 1,225 |
| Net loans and leases to total assets | 42.7985% | 5,300 |
| Net loans and leases to deposits | 47.1953% | 5,450 |
| Net loans and leases to core deposits | 50.5648% | 5,410 |
| Total domestic deposits to total assets | 90.6837% | 264 |
| Equity capital to assets | 9.1451% | 5,117 |
| Core capital (leverage) ratio | 9.1085% | 4,707 |
| Tier 1 risk-based capital ratio | 21.0474% | 1,260 |
| Total risk-based capital ratio | 22.3022% | 1,243 |
| Memoranda: | ||
| Average total assets | $92,507,330 | 4,569 |
| Average earning assets | $85,509,670 | 4,550 |
| Average equity | $8,336,000 | 4,963 |
| Average total loans | $40,342,000 | 4,959 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3358% | 5,246 |
| Cost of funding earning assets | 0.3947% | 3,144 |
| Net interest margin | 2.9411% | 5,238 |
| Noninterest income to average assets | 0.2267% | 5,117 |
| Noninterest expense to average assets | 2.3805% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4166% | 4,941 |
| Return on assets (ROA) | 0.4229% | 5,004 |
| Pretax return on assets | 0.5842% | 4,865 |
| Return on Equity (ROE) | 4.7291% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.7291% | 3,100 |
| Net charge-offs to loans | -0.0100% | 4,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5310% | 1,541 |
| Assets per employee ($millions) | 3.6604% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 1,632 |
| Loan loss allowance to noncurrent loans | 84.0580% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 2,611 |
| Noncurrent loans to loans | 1.8929% | 1,162 |
| Net loans and leases to total assets | 43.1214% | 5,292 |
| Net loans and leases to deposits | 47.5490% | 5,440 |
| Net loans and leases to core deposits | 51.0353% | 5,403 |
| Total domestic deposits to total assets | 90.6883% | 366 |
| Equity capital to assets | 9.0242% | 5,149 |
| Core capital (leverage) ratio | 9.0177% | 4,834 |
| Tier 1 risk-based capital ratio | 21.0301% | 1,317 |
| Total risk-based capital ratio | 22.2853% | 1,285 |
| Memoranda: | ||
| Average total assets | $91,746,500 | 4,624 |
| Average earning assets | $85,137,500 | 4,593 |
| Average equity | $8,204,500 | 5,019 |
| Average total loans | $40,060,500 | 5,003 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2432% | 5,445 |
| Cost of funding earning assets | 0.4090% | 3,058 |
| Net interest margin | 2.8342% | 5,456 |
| Noninterest income to average assets | 0.3679% | 4,272 |
| Noninterest expense to average assets | 2.5110% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3314% | 5,266 |
| Return on assets (ROA) | 0.3314% | 5,354 |
| Pretax return on assets | 0.4828% | 5,147 |
| Return on Equity (ROE) | 3.7516% | 5,045 |
| Retained earnings to average equity (ytd only) | 3.7516% | 3,376 |
| Net charge-offs to loans | 0.0917% | 2,521 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 12.1389% | 2,497 |
| Efficiency ratio | 83.8745% | 1,190 |
| Assets per employee ($millions) | 3.4068% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 1,639 |
| Loan loss allowance to noncurrent loans | 77.5883% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8947% | 2,427 |
| Noncurrent loans to loans | 2.0513% | 1,008 |
| Net loans and leases to total assets | 42.8183% | 5,359 |
| Net loans and leases to deposits | 47.1243% | 5,513 |
| Net loans and leases to core deposits | 50.5331% | 5,473 |
| Total domestic deposits to total assets | 90.8625% | 317 |
| Equity capital to assets | 8.8613% | 5,258 |
| Core capital (leverage) ratio | 8.9898% | 4,897 |
| Tier 1 risk-based capital ratio | 21.6173% | 1,201 |
| Total risk-based capital ratio | 22.8724% | 1,181 |
| Memoranda: | ||
| Average total assets | $90,520,600 | 4,659 |
| Average earning assets | $83,867,200 | 4,639 |
| Average equity | $7,996,600 | 5,064 |
| Average total loans | $39,251,200 | 5,041 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2266% | 5,547 |
| Cost of funding earning assets | 0.4059% | 3,168 |
| Net interest margin | 2.8207% | 5,547 |
| Noninterest income to average assets | 0.2485% | 5,155 |
| Noninterest expense to average assets | 2.5245% | 4,119 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2366% | 5,598 |
| Return on assets (ROA) | 0.2366% | 5,675 |
| Pretax return on assets | 0.3342% | 5,587 |
| Return on Equity (ROE) | 2.6807% | 5,490 |
| Retained earnings to average equity (ytd only) | 2.6807% | 4,509 |
| Net charge-offs to loans | 0.1263% | 1,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.1085% | 3,100 |
| Efficiency ratio | 88.3083% | 815 |
| Assets per employee ($millions) | 3.3863% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 1,892 |
| Loan loss allowance to noncurrent loans | 73.0195% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 2,463 |
| Noncurrent loans to loans | 2.1478% | 1,039 |
| Net loans and leases to total assets | 43.6581% | 5,376 |
| Net loans and leases to deposits | 48.0424% | 5,564 |
| Net loans and leases to core deposits | 51.5231% | 5,520 |
| Total domestic deposits to total assets | 90.8740% | 284 |
| Equity capital to assets | 8.7946% | 5,494 |
| Core capital (leverage) ratio | 8.8111% | 5,226 |
| Tier 1 risk-based capital ratio | 21.8507% | 1,217 |
| Total risk-based capital ratio | 23.1060% | 1,196 |
| Memoranda: | ||
| Average total assets | $90,154,750 | 4,722 |
| Average earning assets | $83,429,500 | 4,707 |
| Average equity | $7,958,000 | 5,136 |
| Average total loans | $39,058,250 | 5,103 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2026% | 5,622 |
| Cost of funding earning assets | 0.4027% | 3,251 |
| Net interest margin | 2.7999% | 5,613 |
| Noninterest income to average assets | 0.2786% | 4,956 |
| Noninterest expense to average assets | 2.5633% | 4,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2162% | 5,654 |
| Return on assets (ROA) | 0.2162% | 5,725 |
| Pretax return on assets | 0.3031% | 5,654 |
| Return on Equity (ROE) | 2.4463% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.4463% | 4,496 |
| Net charge-offs to loans | 0.2023% | 1,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.4872% | 3,187 |
| Efficiency ratio | 89.4246% | 798 |
| Assets per employee ($millions) | 3.4692% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 1,769 |
| Loan loss allowance to noncurrent loans | 64.1052% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.2727% | 1,978 |
| Noncurrent loans to loans | 2.5640% | 860 |
| Net loans and leases to total assets | 42.0610% | 5,501 |
| Net loans and leases to deposits | 46.2569% | 5,664 |
| Net loans and leases to core deposits | 49.2631% | 5,639 |
| Total domestic deposits to total assets | 90.9290% | 318 |
| Equity capital to assets | 8.8160% | 5,418 |
| Core capital (leverage) ratio | 8.8835% | 5,114 |
| Tier 1 risk-based capital ratio | 22.9901% | 1,083 |
| Total risk-based capital ratio | 24.2463% | 1,058 |
| Memoranda: | ||
| Average total assets | $89,729,330 | 4,771 |
| Average earning assets | $82,932,330 | 4,762 |
| Average equity | $7,930,330 | 5,182 |
| Average total loans | $38,560,000 | 5,160 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2143% | 5,623 |
| Cost of funding earning assets | 0.3964% | 3,347 |
| Net interest margin | 2.8180% | 5,608 |
| Noninterest income to average assets | 0.2771% | 4,961 |
| Noninterest expense to average assets | 2.5074% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2861% | 5,458 |
| Return on assets (ROA) | 0.2861% | 5,554 |
| Pretax return on assets | 0.3754% | 5,480 |
| Return on Equity (ROE) | 3.2325% | 5,289 |
| Retained earnings to average equity (ytd only) | 3.2325% | 4,049 |
| Net charge-offs to loans | 0.0830% | 1,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,932 |
| Efficiency ratio | 86.9767% | 1,098 |
| Assets per employee ($millions) | 3.4328% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 1,684 |
| Loan loss allowance to noncurrent loans | 75.1412% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.3714% | 1,930 |
| Noncurrent loans to loans | 2.2908% | 1,081 |
| Net loans and leases to total assets | 42.5397% | 5,446 |
| Net loans and leases to deposits | 46.8741% | 5,627 |
| Net loans and leases to core deposits | 50.1234% | 5,585 |
| Total domestic deposits to total assets | 90.7533% | 454 |
| Equity capital to assets | 8.9151% | 5,377 |
| Core capital (leverage) ratio | 8.8932% | 5,081 |
| Tier 1 risk-based capital ratio | 22.9087% | 1,120 |
| Total risk-based capital ratio | 24.1656% | 1,103 |
| Memoranda: | ||
| Average total assets | $89,494,000 | 4,821 |
| Average earning assets | $82,754,500 | 4,808 |
| Average equity | $7,919,500 | 5,230 |
| Average total loans | $38,553,500 | 5,193 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4031% | 5,525 |
| Cost of funding earning assets | 0.4160% | 3,523 |
| Net interest margin | 2.9870% | 5,475 |
| Noninterest income to average assets | 0.3255% | 4,792 |
| Noninterest expense to average assets | 2.5529% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3343% | 5,431 |
| Return on assets (ROA) | 0.3422% | 5,469 |
| Pretax return on assets | 0.5366% | 5,155 |
| Return on Equity (ROE) | 3.9975% | 5,116 |
| Retained earnings to average equity (ytd only) | 3.9975% | 3,364 |
| Net charge-offs to loans | 0.0253% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 47.2000% | 973 |
| Efficiency ratio | 82.9603% | 1,533 |
| Assets per employee ($millions) | 3.4513% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7492% | 1,658 |
| Loan loss allowance to noncurrent loans | 71.0665% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.3863% | 2,011 |
| Noncurrent loans to loans | 2.4614% | 1,037 |
| Net loans and leases to total assets | 42.1251% | 5,607 |
| Net loans and leases to deposits | 46.3055% | 5,782 |
| Net loans and leases to core deposits | 49.2483% | 5,748 |
| Total domestic deposits to total assets | 90.9723% | 375 |
| Equity capital to assets | 8.7836% | 5,503 |
| Core capital (leverage) ratio | 8.7544% | 5,289 |
| Tier 1 risk-based capital ratio | 22.2925% | 1,179 |
| Total risk-based capital ratio | 23.5498% | 1,160 |
| Memoranda: | ||
| Average total assets | $90,014,800 | 4,839 |
| Average earning assets | $82,924,800 | 4,823 |
| Average equity | $7,704,800 | 5,269 |
| Average total loans | $39,460,200 | 5,203 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3982% | 5,596 |
| Cost of funding earning assets | 0.4212% | 3,564 |
| Net interest margin | 2.9771% | 5,550 |
| Noninterest income to average assets | 0.3389% | 4,723 |
| Noninterest expense to average assets | 2.5782% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3212% | 5,522 |
| Return on assets (ROA) | 0.3212% | 5,595 |
| Pretax return on assets | 0.5017% | 5,321 |
| Return on Equity (ROE) | 3.7769% | 5,259 |
| Retained earnings to average equity (ytd only) | 3.7769% | 3,969 |
| Net charge-offs to loans | 0.0235% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 48.4448% | 998 |
| Efficiency ratio | 83.7098% | 1,423 |
| Assets per employee ($millions) | 3.4283% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7308% | 1,883 |
| Loan loss allowance to noncurrent loans | 55.3645% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 1.5796% | 1,933 |
| Noncurrent loans to loans | 3.1263% | 824 |
| Net loans and leases to total assets | 43.0578% | 5,592 |
| Net loans and leases to deposits | 47.3249% | 5,805 |
| Net loans and leases to core deposits | 50.3476% | 5,772 |
| Total domestic deposits to total assets | 90.9834% | 367 |
| Equity capital to assets | 8.7372% | 5,611 |
| Core capital (leverage) ratio | 8.7101% | 5,423 |
| Tier 1 risk-based capital ratio | 21.9034% | 1,277 |
| Total risk-based capital ratio | 23.1618% | 1,257 |
| Memoranda: | ||
| Average total assets | $90,084,750 | 4,886 |
| Average earning assets | $82,942,750 | 4,874 |
| Average equity | $7,660,500 | 5,325 |
| Average total loans | $39,706,750 | 5,254 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3842% | 5,657 |
| Cost of funding earning assets | 0.4185% | 3,678 |
| Net interest margin | 2.9657% | 5,597 |
| Noninterest income to average assets | 0.2987% | 5,021 |
| Noninterest expense to average assets | 2.5818% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2788% | 5,638 |
| Return on assets (ROA) | 0.2788% | 5,711 |
| Pretax return on assets | 0.4447% | 5,437 |
| Return on Equity (ROE) | 3.3080% | 5,425 |
| Retained earnings to average equity (ytd only) | 3.3080% | 4,097 |
| Net charge-offs to loans | 0.0100% | 4,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 100.5000% | 556 |
| Efficiency ratio | 85.3070% | 1,340 |
| Assets per employee ($millions) | 3.3681% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7415% | 2,001 |
| Loan loss allowance to noncurrent loans | 53.8766% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 1.5978% | 2,051 |
| Noncurrent loans to loans | 3.2323% | 870 |
| Net loans and leases to total assets | 42.2525% | 5,662 |
| Net loans and leases to deposits | 46.2817% | 5,871 |
| Net loans and leases to core deposits | 49.1588% | 5,838 |
| Total domestic deposits to total assets | 91.2942% | 314 |
| Equity capital to assets | 8.4595% | 5,833 |
| Core capital (leverage) ratio | 8.4374% | 5,709 |
| Tier 1 risk-based capital ratio | 21.5615% | 1,334 |
| Total risk-based capital ratio | 22.8205% | 1,309 |
| Memoranda: | ||
| Average total assets | $90,401,000 | 4,921 |
| Average earning assets | $83,150,330 | 4,897 |
| Average equity | $7,618,000 | 5,368 |
| Average total loans | $39,923,670 | 5,279 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4073% | 5,630 |
| Cost of funding earning assets | 0.4247% | 3,703 |
| Net interest margin | 2.9826% | 5,563 |
| Noninterest income to average assets | 0.2840% | 5,099 |
| Noninterest expense to average assets | 2.5296% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3994% | 5,116 |
| Return on assets (ROA) | 0.3994% | 5,188 |
| Pretax return on assets | 0.4970% | 5,178 |
| Return on Equity (ROE) | 4.7490% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.7490% | 3,266 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5777% | 1,719 |
| Assets per employee ($millions) | 3.5098% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6903% | 2,387 |
| Loan loss allowance to noncurrent loans | 65.1096% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.3566% | 2,600 |
| Noncurrent loans to loans | 2.5961% | 1,325 |
| Net loans and leases to total assets | 43.5308% | 5,554 |
| Net loans and leases to deposits | 47.6415% | 5,756 |
| Net loans and leases to core deposits | 50.7454% | 5,711 |
| Total domestic deposits to total assets | 91.3714% | 426 |
| Equity capital to assets | 8.3623% | 5,773 |
| Core capital (leverage) ratio | 8.3676% | 5,784 |
| Tier 1 risk-based capital ratio | 20.8282% | 1,506 |
| Total risk-based capital ratio | 22.0858% | 1,480 |
| Memoranda: | ||
| Average total assets | $90,132,000 | 4,966 |
| Average earning assets | $82,882,000 | 4,943 |
| Average equity | $7,580,500 | 5,401 |
| Average total loans | $40,333,000 | 5,309 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4431% | 5,750 |
| Cost of funding earning assets | 0.5174% | 3,427 |
| Net interest margin | 2.9257% | 5,740 |
| Noninterest income to average assets | 0.3183% | 5,059 |
| Noninterest expense to average assets | 2.6045% | 4,446 |
| Loan and lease loss provision to assets | 0.0065% | 4,992 |
| Net operating income to assets | 0.2802% | 5,591 |
| Return on assets (ROA) | 0.2802% | 5,681 |
| Pretax return on assets | 0.3892% | 5,518 |
| Return on Equity (ROE) | 3.4659% | 5,340 |
| Retained earnings to average equity (ytd only) | 3.4659% | 3,765 |
| Net charge-offs to loans | 0.0514% | 4,497 |
| Credit loss provision to net charge-offs | 28.5714% | 4,280 |
| Earnings coverage of net charge-offs (x) | 17.2857% | 1,728 |
| Efficiency ratio | 86.8096% | 1,332 |
| Assets per employee ($millions) | 3.4234% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 2,415 |
| Loan loss allowance to noncurrent loans | 64.1315% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 1.4088% | 2,633 |
| Noncurrent loans to loans | 2.6454% | 1,401 |
| Net loans and leases to total assets | 44.4629% | 5,634 |
| Net loans and leases to deposits | 48.6748% | 5,853 |
| Net loans and leases to core deposits | 51.9356% | 5,800 |
| Total domestic deposits to total assets | 91.3469% | 454 |
| Equity capital to assets | 8.4598% | 5,627 |
| Core capital (leverage) ratio | 8.4766% | 5,698 |
| Tier 1 risk-based capital ratio | 20.8888% | 1,443 |
| Total risk-based capital ratio | 22.1459% | 1,428 |
| Memoranda: | ||
| Average total assets | $91,727,000 | 4,936 |
| Average earning assets | $84,082,200 | 4,929 |
| Average equity | $7,415,000 | 5,474 |
| Average total loans | $40,833,200 | 5,310 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3921% | 5,894 |
| Cost of funding earning assets | 0.5352% | 3,415 |
| Net interest margin | 2.8570% | 5,903 |
| Noninterest income to average assets | 0.3174% | 5,157 |
| Noninterest expense to average assets | 2.5625% | 4,509 |
| Loan and lease loss provision to assets | 0.0087% | 4,809 |
| Net operating income to assets | 0.2597% | 5,757 |
| Return on assets (ROA) | 0.2597% | 5,856 |
| Pretax return on assets | 0.3650% | 5,712 |
| Return on Equity (ROE) | 3.2491% | 5,512 |
| Retained earnings to average equity (ytd only) | 3.2491% | 4,363 |
| Net charge-offs to loans | 0.0651% | 3,983 |
| Credit loss provision to net charge-offs | 30.0000% | 3,894 |
| Earnings coverage of net charge-offs (x) | 12.9479% | 2,079 |
| Efficiency ratio | 87.2727% | 1,233 |
| Assets per employee ($millions) | 3.2839% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 2,696 |
| Loan loss allowance to noncurrent loans | 55.9280% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.5356% | 2,631 |
| Noncurrent loans to loans | 3.0048% | 1,340 |
| Net loans and leases to total assets | 43.5220% | 5,771 |
| Net loans and leases to deposits | 47.5036% | 5,995 |
| Net loans and leases to core deposits | 50.5469% | 5,982 |
| Total domestic deposits to total assets | 91.6182% | 336 |
| Equity capital to assets | 8.1371% | 6,056 |
| Core capital (leverage) ratio | 8.1229% | 6,132 |
| Tier 1 risk-based capital ratio | 20.4636% | 1,608 |
| Total risk-based capital ratio | 21.7214% | 1,581 |
| Memoranda: | ||
| Average total assets | $92,406,500 | 4,965 |
| Average earning assets | $84,703,500 | 4,961 |
| Average equity | $7,386,250 | 5,542 |
| Average total loans | $40,976,750 | 5,355 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3901% | 5,932 |
| Cost of funding earning assets | 0.5481% | 3,438 |
| Net interest margin | 2.8420% | 5,919 |
| Noninterest income to average assets | 0.3241% | 5,113 |
| Noninterest expense to average assets | 2.6037% | 4,368 |
| Loan and lease loss provision to assets | 0.0130% | 4,624 |
| Net operating income to assets | 0.2312% | 5,820 |
| Return on assets (ROA) | 0.2312% | 5,943 |
| Pretax return on assets | 0.3068% | 5,864 |
| Return on Equity (ROE) | 2.9099% | 5,658 |
| Retained earnings to average equity (ytd only) | 2.9099% | 4,460 |
| Net charge-offs to loans | 0.0584% | 3,868 |
| Credit loss provision to net charge-offs | 50.0000% | 3,203 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 1,984 |
| Efficiency ratio | 89.0613% | 1,127 |
| Assets per employee ($millions) | 3.2954% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6832% | 2,842 |
| Loan loss allowance to noncurrent loans | 56.3977% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 1.6961% | 2,563 |
| Noncurrent loans to loans | 2.9846% | 1,493 |
| Net loans and leases to total assets | 43.8047% | 5,756 |
| Net loans and leases to deposits | 47.7760% | 5,993 |
| Net loans and leases to core deposits | 51.7019% | 5,911 |
| Total domestic deposits to total assets | 91.6875% | 314 |
| Equity capital to assets | 8.0264% | 6,181 |
| Core capital (leverage) ratio | 8.0144% | 6,177 |
| Tier 1 risk-based capital ratio | 20.1061% | 1,695 |
| Total risk-based capital ratio | 21.3270% | 1,669 |
| Memoranda: | ||
| Average total assets | $92,559,000 | 4,996 |
| Average earning assets | $84,659,330 | 4,992 |
| Average equity | $7,354,330 | 5,593 |
| Average total loans | $41,068,330 | 5,373 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4073% | 5,923 |
| Cost of funding earning assets | 0.5671% | 3,404 |
| Net interest margin | 2.8402% | 5,942 |
| Noninterest income to average assets | 0.3279% | 5,082 |
| Noninterest expense to average assets | 2.6580% | 4,220 |
| Loan and lease loss provision to assets | 0.0259% | 4,142 |
| Net operating income to assets | 0.2546% | 5,711 |
| Return on assets (ROA) | 0.2546% | 5,830 |
| Pretax return on assets | 0.2373% | 6,000 |
| Return on Equity (ROE) | 3.2203% | 5,476 |
| Retained earnings to average equity (ytd only) | 3.2203% | 4,317 |
| Net charge-offs to loans | 0.2144% | 2,135 |
| Credit loss provision to net charge-offs | 27.2727% | 2,928 |
| Earnings coverage of net charge-offs (x) | 2.7727% | 2,942 |
| Efficiency ratio | 90.9897% | 1,066 |
| Assets per employee ($millions) | 3.5937% | 4,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6620% | 3,161 |
| Loan loss allowance to noncurrent loans | 58.0426% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.6193% | 2,835 |
| Noncurrent loans to loans | 2.8635% | 1,769 |
| Net loans and leases to total assets | 43.1868% | 5,742 |
| Net loans and leases to deposits | 46.9942% | 5,992 |
| Net loans and leases to core deposits | 51.1244% | 5,886 |
| Total domestic deposits to total assets | 91.8982% | 265 |
| Equity capital to assets | 7.8749% | 6,444 |
| Core capital (leverage) ratio | 7.8621% | 6,247 |
| Tier 1 risk-based capital ratio | 20.4830% | 1,655 |
| Total risk-based capital ratio | 21.7407% | 1,626 |
| Memoranda: | ||
| Average total assets | $92,703,000 | 5,032 |
| Average earning assets | $84,642,000 | 5,022 |
| Average equity | $7,328,500 | 5,654 |
| Average total loans | $41,047,000 | 5,417 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6357% | 6,159 |
| Cost of funding earning assets | 0.6623% | 3,813 |
| Net interest margin | 2.9734% | 6,098 |
| Noninterest income to average assets | 0.3406% | 5,022 |
| Noninterest expense to average assets | 2.6064% | 4,722 |
| Loan and lease loss provision to assets | 0.0128% | 5,752 |
| Net operating income to assets | 0.2469% | 5,643 |
| Return on assets (ROA) | 0.2469% | 5,843 |
| Pretax return on assets | 0.4257% | 5,502 |
| Return on Equity (ROE) | 3.2254% | 5,460 |
| Retained earnings to average equity (ytd only) | 3.2254% | 3,953 |
| Net charge-offs to loans | 0.1875% | 3,878 |
| Credit loss provision to net charge-offs | 15.0000% | 5,345 |
| Earnings coverage of net charge-offs (x) | 5.1500% | 3,135 |
| Efficiency ratio | 85.5994% | 1,467 |
| Assets per employee ($millions) | 3.5373% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 2,932 |
| Loan loss allowance to noncurrent loans | 55.2652% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 1.8702% | 2,613 |
| Noncurrent loans to loans | 3.0760% | 1,688 |
| Net loans and leases to total assets | 43.8860% | 5,829 |
| Net loans and leases to deposits | 47.7634% | 6,124 |
| Net loans and leases to core deposits | 52.2181% | 6,002 |
| Total domestic deposits to total assets | 91.8821% | 269 |
| Equity capital to assets | 7.9363% | 6,438 |
| Core capital (leverage) ratio | 7.9233% | 6,263 |
| Tier 1 risk-based capital ratio | 20.1110% | 1,644 |
| Total risk-based capital ratio | 21.3696% | 1,619 |
| Memoranda: | ||
| Average total assets | $93,962,000 | 4,988 |
| Average earning assets | $85,457,000 | 4,975 |
| Average equity | $7,192,800 | 5,707 |
| Average total loans | $42,656,800 | 5,395 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6501% | 6,311 |
| Cost of funding earning assets | 0.6769% | 3,960 |
| Net interest margin | 2.9732% | 6,226 |
| Noninterest income to average assets | 0.3515% | 5,006 |
| Noninterest expense to average assets | 2.5830% | 4,797 |
| Loan and lease loss provision to assets | 0.0085% | 5,701 |
| Net operating income to assets | 0.2823% | 5,671 |
| Return on assets (ROA) | 0.2823% | 5,875 |
| Pretax return on assets | 0.4630% | 5,559 |
| Return on Equity (ROE) | 3.7211% | 5,394 |
| Retained earnings to average equity (ytd only) | 3.7211% | 4,267 |
| Net charge-offs to loans | 0.1858% | 3,631 |
| Credit loss provision to net charge-offs | 10.0000% | 5,078 |
| Earnings coverage of net charge-offs (x) | 5.5665% | 2,988 |
| Efficiency ratio | 84.5656% | 1,524 |
| Assets per employee ($millions) | 3.4547% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6753% | 3,227 |
| Loan loss allowance to noncurrent loans | 55.9309% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 1.8547% | 2,855 |
| Noncurrent loans to loans | 2.9952% | 1,867 |
| Net loans and leases to total assets | 44.8005% | 5,893 |
| Net loans and leases to deposits | 48.7716% | 6,208 |
| Net loans and leases to core deposits | 53.2371% | 6,098 |
| Total domestic deposits to total assets | 91.8577% | 226 |
| Equity capital to assets | 7.7907% | 6,681 |
| Core capital (leverage) ratio | 7.7768% | 6,479 |
| Tier 1 risk-based capital ratio | 19.6133% | 1,849 |
| Total risk-based capital ratio | 20.8707% | 1,824 |
| Memoranda: | ||
| Average total assets | $94,460,000 | 5,029 |
| Average earning assets | $85,876,750 | 5,023 |
| Average equity | $7,166,250 | 5,780 |
| Average total loans | $43,056,000 | 5,434 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6589% | 6,403 |
| Cost of funding earning assets | 0.6943% | 4,062 |
| Net interest margin | 2.9646% | 6,308 |
| Noninterest income to average assets | 0.3479% | 5,056 |
| Noninterest expense to average assets | 2.5576% | 4,930 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2488% | 5,769 |
| Return on assets (ROA) | 0.2488% | 5,956 |
| Pretax return on assets | 0.4913% | 5,463 |
| Return on Equity (ROE) | 3.3087% | 5,555 |
| Retained earnings to average equity (ytd only) | 3.3087% | 4,401 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8866% | 1,648 |
| Assets per employee ($millions) | 3.3585% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 2,941 |
| Loan loss allowance to noncurrent loans | 63.1492% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 2.0587% | 2,711 |
| Noncurrent loans to loans | 2.8124% | 2,130 |
| Net loans and leases to total assets | 45.0499% | 5,920 |
| Net loans and leases to deposits | 48.9604% | 6,245 |
| Net loans and leases to core deposits | 53.2138% | 6,143 |
| Total domestic deposits to total assets | 92.0128% | 222 |
| Equity capital to assets | 7.6405% | 6,741 |
| Core capital (leverage) ratio | 7.6268% | 6,550 |
| Tier 1 risk-based capital ratio | 17.9481% | 2,309 |
| Total risk-based capital ratio | 19.2071% | 2,274 |
| Memoranda: | ||
| Average total assets | $94,854,000 | 5,039 |
| Average earning assets | $86,419,330 | 5,037 |
| Average equity | $7,132,670 | 5,806 |
| Average total loans | $43,241,000 | 5,462 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6535% | 6,504 |
| Cost of funding earning assets | 0.7196% | 4,112 |
| Net interest margin | 2.9338% | 6,430 |
| Noninterest income to average assets | 0.3485% | 5,071 |
| Noninterest expense to average assets | 2.5320% | 5,054 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3359% | 5,531 |
| Return on assets (ROA) | 0.3359% | 5,704 |
| Pretax return on assets | 0.4871% | 5,473 |
| Return on Equity (ROE) | 4.5029% | 5,042 |
| Retained earnings to average equity (ytd only) | 4.5029% | 3,884 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8665% | 1,701 |
| Assets per employee ($millions) | 3.6924% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7815% | 3,056 |
| Loan loss allowance to noncurrent loans | 62.7869% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 2.0354% | 2,847 |
| Noncurrent loans to loans | 2.8374% | 2,276 |
| Net loans and leases to total assets | 43.9897% | 6,011 |
| Net loans and leases to deposits | 47.6540% | 6,308 |
| Net loans and leases to core deposits | 51.8484% | 6,221 |
| Total domestic deposits to total assets | 92.3106% | 215 |
| Equity capital to assets | 7.4446% | 6,804 |
| Core capital (leverage) ratio | 7.4302% | 6,678 |
| Tier 1 risk-based capital ratio | 17.3714% | 2,529 |
| Total risk-based capital ratio | 18.6209% | 2,493 |
| Memoranda: | ||
| Average total assets | $95,262,000 | 5,051 |
| Average earning assets | $86,712,500 | 5,059 |
| Average equity | $7,106,500 | 5,839 |
| Average total loans | $43,296,500 | 5,493 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 6,538 |
| Cost of funding earning assets | 0.8990% | 4,121 |
| Net interest margin | 3.0585% | 6,433 |
| Noninterest income to average assets | 0.3382% | 5,111 |
| Noninterest expense to average assets | 2.6460% | 4,937 |
| Loan and lease loss provision to assets | 0.0335% | 6,143 |
| Net operating income to assets | 0.3453% | 5,087 |
| Return on assets (ROA) | 0.3576% | 5,207 |
| Pretax return on assets | 0.4722% | 5,070 |
| Return on Equity (ROE) | 4.8120% | 4,474 |
| Retained earnings to average equity (ytd only) | 4.8120% | 2,781 |
| Net charge-offs to loans | -0.1370% | 7,176 |
| Credit loss provision to net charge-offs | -50.8197% | 6,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3901% | 1,720 |
| Assets per employee ($millions) | 3.5008% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 2,996 |
| Loan loss allowance to noncurrent loans | 63.4631% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 2.0672% | 2,885 |
| Noncurrent loans to loans | 2.7686% | 2,365 |
| Net loans and leases to total assets | 45.3122% | 6,074 |
| Net loans and leases to deposits | 49.0916% | 6,425 |
| Net loans and leases to core deposits | 52.8511% | 6,379 |
| Total domestic deposits to total assets | 92.3013% | 198 |
| Equity capital to assets | 7.4755% | 6,820 |
| Core capital (leverage) ratio | 7.4598% | 6,672 |
| Tier 1 risk-based capital ratio | 16.9647% | 2,623 |
| Total risk-based capital ratio | 18.2135% | 2,586 |
| Memoranda: | ||
| Average total assets | $92,555,200 | 5,112 |
| Average earning assets | $84,648,600 | 5,101 |
| Average equity | $6,878,600 | 5,898 |
| Average total loans | $44,514,200 | 5,493 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9874% | 6,611 |
| Cost of funding earning assets | 0.9352% | 4,160 |
| Net interest margin | 3.0522% | 6,489 |
| Noninterest income to average assets | 0.3273% | 5,245 |
| Noninterest expense to average assets | 2.6503% | 4,903 |
| Loan and lease loss provision to assets | 0.0304% | 6,057 |
| Net operating income to assets | 0.2946% | 5,416 |
| Return on assets (ROA) | 0.3070% | 5,544 |
| Pretax return on assets | 0.4634% | 5,278 |
| Return on Equity (ROE) | 4.1374% | 4,940 |
| Retained earnings to average equity (ytd only) | 4.1374% | 3,787 |
| Net charge-offs to loans | -0.2354% | 7,280 |
| Credit loss provision to net charge-offs | -26.5823% | 6,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8007% | 1,649 |
| Assets per employee ($millions) | 3.4626% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7218% | 3,198 |
| Loan loss allowance to noncurrent loans | 32.6858% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 2.6185% | 2,466 |
| Noncurrent loans to loans | 5.2676% | 1,154 |
| Net loans and leases to total assets | 47.2564% | 6,029 |
| Net loans and leases to deposits | 51.2244% | 6,428 |
| Net loans and leases to core deposits | 55.1871% | 6,378 |
| Total domestic deposits to total assets | 92.2537% | 183 |
| Equity capital to assets | 7.4307% | 6,945 |
| Core capital (leverage) ratio | 7.4149% | 6,806 |
| Tier 1 risk-based capital ratio | 16.2015% | 3,014 |
| Total risk-based capital ratio | 17.4497% | 2,977 |
| Memoranda: | ||
| Average total assets | $92,063,500 | 5,170 |
| Average earning assets | $84,397,500 | 5,147 |
| Average equity | $6,831,750 | 5,954 |
| Average total loans | $44,743,750 | 5,529 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 6,649 |
| Cost of funding earning assets | 0.9742% | 4,130 |
| Net interest margin | 3.0323% | 6,544 |
| Noninterest income to average assets | 0.3254% | 5,288 |
| Noninterest expense to average assets | 2.7034% | 4,811 |
| Loan and lease loss provision to assets | 0.0240% | 5,993 |
| Net operating income to assets | 0.2590% | 5,521 |
| Return on assets (ROA) | 0.2620% | 5,635 |
| Pretax return on assets | 0.3821% | 5,449 |
| Return on Equity (ROE) | 3.5329% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.5329% | 3,997 |
| Net charge-offs to loans | 0.1925% | 4,004 |
| Credit loss provision to net charge-offs | 25.5814% | 5,054 |
| Earnings coverage of net charge-offs (x) | 4.2791% | 2,910 |
| Efficiency ratio | 87.0605% | 1,509 |
| Assets per employee ($millions) | 3.5034% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 4,429 |
| Loan loss allowance to noncurrent loans | 29.3553% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 2.3966% | 2,757 |
| Noncurrent loans to loans | 4.8797% | 1,352 |
| Net loans and leases to total assets | 46.7011% | 6,195 |
| Net loans and leases to deposits | 50.5140% | 6,566 |
| Net loans and leases to core deposits | 54.1213% | 6,553 |
| Total domestic deposits to total assets | 92.4519% | 168 |
| Equity capital to assets | 7.2468% | 7,045 |
| Core capital (leverage) ratio | 7.2311% | 6,904 |
| Tier 1 risk-based capital ratio | 15.8021% | 3,079 |
| Total risk-based capital ratio | 17.0522% | 3,059 |
| Memoranda: | ||
| Average total assets | $91,588,000 | 5,218 |
| Average earning assets | $83,962,670 | 5,198 |
| Average equity | $6,793,330 | 5,985 |
| Average total loans | $44,673,670 | 5,583 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 6,454 |
| Cost of funding earning assets | 1.0420% | 3,909 |
| Net interest margin | 3.0825% | 6,392 |
| Noninterest income to average assets | 0.3730% | 4,929 |
| Noninterest expense to average assets | 2.7130% | 4,784 |
| Loan and lease loss provision to assets | 0.0488% | 5,388 |
| Net operating income to assets | 0.2385% | 5,649 |
| Return on assets (ROA) | 0.2442% | 5,700 |
| Pretax return on assets | 0.4440% | 5,209 |
| Return on Equity (ROE) | 3.2532% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.2532% | 4,227 |
| Net charge-offs to loans | 0.6906% | 1,833 |
| Credit loss provision to net charge-offs | 14.2857% | 4,341 |
| Earnings coverage of net charge-offs (x) | 1.4156% | 3,641 |
| Efficiency ratio | 84.8611% | 1,862 |
| Assets per employee ($millions) | 3.1564% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 4,770 |
| Loan loss allowance to noncurrent loans | 26.8941% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 2.5585% | 2,671 |
| Noncurrent loans to loans | 5.1279% | 1,309 |
| Net loans and leases to total assets | 47.4202% | 6,145 |
| Net loans and leases to deposits | 51.3802% | 6,521 |
| Net loans and leases to core deposits | 54.8657% | 6,495 |
| Total domestic deposits to total assets | 92.2927% | 214 |
| Equity capital to assets | 7.4178% | 6,911 |
| Core capital (leverage) ratio | 7.4016% | 6,790 |
| Tier 1 risk-based capital ratio | 15.7814% | 3,009 |
| Total risk-based capital ratio | 17.0324% | 2,968 |
| Memoranda: | ||
| Average total assets | $90,085,500 | 5,288 |
| Average earning assets | $82,530,000 | 5,288 |
| Average equity | $6,762,500 | 6,004 |
| Average total loans | $44,601,500 | 5,631 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2672% | 6,836 |
| Cost of funding earning assets | 1.3273% | 3,703 |
| Net interest margin | 2.9399% | 6,836 |
| Noninterest income to average assets | 0.3055% | 5,612 |
| Noninterest expense to average assets | 2.8084% | 4,571 |
| Loan and lease loss provision to assets | 0.3322% | 4,160 |
| Net operating income to assets | -0.0517% | 5,932 |
| Return on assets (ROA) | -0.0389% | 5,999 |
| Pretax return on assets | -0.1355% | 6,029 |
| Return on Equity (ROE) | -0.5213% | 6,016 |
| Retained earnings to average equity (ytd only) | -0.5213% | 5,714 |
| Net charge-offs to loans | 0.3213% | 4,411 |
| Credit loss provision to net charge-offs | 213.5714% | 1,426 |
| Earnings coverage of net charge-offs (x) | 1.1357% | 4,971 |
| Efficiency ratio | 94.0826% | 1,053 |
| Assets per employee ($millions) | 3.0563% | 5,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 4,067 |
| Loan loss allowance to noncurrent loans | 31.0568% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 2.6265% | 2,650 |
| Noncurrent loans to loans | 4.7954% | 1,437 |
| Net loans and leases to total assets | 50.2245% | 6,147 |
| Net loans and leases to deposits | 54.5092% | 6,566 |
| Net loans and leases to core deposits | 58.3396% | 6,532 |
| Total domestic deposits to total assets | 92.1396% | 256 |
| Equity capital to assets | 7.5987% | 6,819 |
| Core capital (leverage) ratio | 7.5820% | 6,634 |
| Tier 1 risk-based capital ratio | 15.4502% | 3,017 |
| Total risk-based capital ratio | 16.6989% | 2,982 |
| Memoranda: | ||
| Average total assets | $90,015,200 | 5,286 |
| Average earning assets | $82,043,600 | 5,273 |
| Average equity | $6,714,000 | 6,130 |
| Average total loans | $43,567,400 | 5,767 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 7,021 |
| Cost of funding earning assets | 1.3729% | 3,755 |
| Net interest margin | 2.8852% | 7,027 |
| Noninterest income to average assets | 0.2936% | 5,781 |
| Noninterest expense to average assets | 2.8655% | 4,221 |
| Loan and lease loss provision to assets | 0.4412% | 3,267 |
| Net operating income to assets | -0.1675% | 6,275 |
| Return on assets (ROA) | -0.1505% | 6,328 |
| Pretax return on assets | -0.3600% | 6,451 |
| Return on Equity (ROE) | -2.0272% | 6,408 |
| Retained earnings to average equity (ytd only) | -2.0272% | 6,208 |
| Net charge-offs to loans | 0.6549% | 2,793 |
| Credit loss provision to net charge-offs | 141.0377% | 2,807 |
| Earnings coverage of net charge-offs (x) | 0.1745% | 5,844 |
| Efficiency ratio | 98.1304% | 814 |
| Assets per employee ($millions) | 3.0702% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 4,662 |
| Loan loss allowance to noncurrent loans | 28.2220% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 2.5015% | 2,869 |
| Noncurrent loans to loans | 4.8240% | 1,458 |
| Net loans and leases to total assets | 47.1967% | 6,592 |
| Net loans and leases to deposits | 50.9948% | 6,950 |
| Net loans and leases to core deposits | 54.4743% | 6,935 |
| Total domestic deposits to total assets | 92.5521% | 127 |
| Equity capital to assets | 7.2384% | 7,251 |
| Core capital (leverage) ratio | 7.2213% | 7,046 |
| Tier 1 risk-based capital ratio | 15.2014% | 3,158 |
| Total risk-based capital ratio | 16.4518% | 3,126 |
| Memoranda: | ||
| Average total assets | $90,360,500 | 5,344 |
| Average earning assets | $82,256,500 | 5,334 |
| Average equity | $6,708,750 | 6,209 |
| Average total loans | $43,162,000 | 5,864 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 7,065 |
| Cost of funding earning assets | 1.4218% | 3,738 |
| Net interest margin | 2.8682% | 7,054 |
| Noninterest income to average assets | 0.2629% | 6,034 |
| Noninterest expense to average assets | 3.0007% | 3,710 |
| Loan and lease loss provision to assets | 0.6661% | 2,169 |
| Net operating income to assets | -0.4003% | 6,568 |
| Return on assets (ROA) | -0.3832% | 6,586 |
| Pretax return on assets | -0.7708% | 6,767 |
| Return on Equity (ROE) | -5.1170% | 6,705 |
| Retained earnings to average equity (ytd only) | -5.1170% | 6,567 |
| Net charge-offs to loans | 0.8073% | 2,231 |
| Credit loss provision to net charge-offs | 172.8324% | 2,258 |
| Earnings coverage of net charge-offs (x) | -0.3410% | 5,943 |
| Efficiency ratio | 104.5807% | 667 |
| Assets per employee ($millions) | 3.0504% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 4,430 |
| Loan loss allowance to noncurrent loans | 32.1485% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 2.2598% | 3,185 |
| Noncurrent loans to loans | 4.3493% | 1,703 |
| Net loans and leases to total assets | 47.3916% | 6,671 |
| Net loans and leases to deposits | 51.2007% | 7,012 |
| Net loans and leases to core deposits | 54.9475% | 6,993 |
| Total domestic deposits to total assets | 92.5605% | 144 |
| Equity capital to assets | 7.2089% | 7,269 |
| Core capital (leverage) ratio | 7.1916% | 7,075 |
| Tier 1 risk-based capital ratio | 14.8929% | 3,212 |
| Total risk-based capital ratio | 16.1423% | 3,186 |
| Memoranda: | ||
| Average total assets | $89,778,670 | 5,400 |
| Average earning assets | $81,585,330 | 5,385 |
| Average equity | $6,722,670 | 6,229 |
| Average total loans | $42,859,000 | 5,909 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4296% | 6,938 |
| Cost of funding earning assets | 1.4550% | 3,836 |
| Net interest margin | 2.9746% | 6,891 |
| Noninterest income to average assets | 0.2339% | 6,283 |
| Noninterest expense to average assets | 2.8073% | 4,456 |
| Loan and lease loss provision to assets | 0.0180% | 6,458 |
| Net operating income to assets | 0.1002% | 6,021 |
| Return on assets (ROA) | 0.1395% | 6,017 |
| Pretax return on assets | 0.1440% | 6,031 |
| Return on Equity (ROE) | 1.8274% | 5,826 |
| Retained earnings to average equity (ytd only) | 1.8274% | 5,022 |
| Net charge-offs to loans | 0.3594% | 2,976 |
| Credit loss provision to net charge-offs | 10.5263% | 5,040 |
| Earnings coverage of net charge-offs (x) | 0.7105% | 4,395 |
| Efficiency ratio | 95.8525% | 1,034 |
| Assets per employee ($millions) | 3.1222% | 5,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 5,956 |
| Loan loss allowance to noncurrent loans | 28.9297% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 1.8974% | 3,638 |
| Noncurrent loans to loans | 3.8405% | 2,064 |
| Net loans and leases to total assets | 46.4962% | 6,796 |
| Net loans and leases to deposits | 50.3576% | 7,110 |
| Net loans and leases to core deposits | 53.6620% | 7,126 |
| Total domestic deposits to total assets | 92.3320% | 188 |
| Equity capital to assets | 7.5112% | 7,065 |
| Core capital (leverage) ratio | 7.4938% | 6,859 |
| Tier 1 risk-based capital ratio | 15.1910% | 3,012 |
| Total risk-based capital ratio | 16.2502% | 3,078 |
| Memoranda: | ||
| Average total assets | $88,912,000 | 5,486 |
| Average earning assets | $80,549,000 | 5,487 |
| Average equity | $6,785,500 | 6,258 |
| Average total loans | $42,296,500 | 6,012 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 6,637 |
| Cost of funding earning assets | 1.8276% | 3,847 |
| Net interest margin | 3.1024% | 6,362 |
| Noninterest income to average assets | 0.2720% | 6,169 |
| Noninterest expense to average assets | 2.8258% | 4,857 |
| Loan and lease loss provision to assets | 0.0155% | 7,344 |
| Net operating income to assets | 0.1128% | 5,175 |
| Return on assets (ROA) | 0.0334% | 5,437 |
| Pretax return on assets | 0.1252% | 5,166 |
| Return on Equity (ROE) | 0.4037% | 5,413 |
| Retained earnings to average equity (ytd only) | -5.3641% | 6,068 |
| Net charge-offs to loans | 0.3788% | 4,313 |
| Credit loss provision to net charge-offs | 7.9755% | 6,981 |
| Earnings coverage of net charge-offs (x) | 1.3620% | 4,769 |
| Efficiency ratio | 91.4319% | 1,607 |
| Assets per employee ($millions) | 3.0096% | 6,202 |
| Cash dividends to net income (ytd only)* | 1,428.5714% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 5,058 |
| Loan loss allowance to noncurrent loans | 34.7913% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 1.8481% | 3,598 |
| Noncurrent loans to loans | 3.5911% | 2,109 |
| Net loans and leases to total assets | 47.5429% | 6,839 |
| Net loans and leases to deposits | 51.6049% | 7,167 |
| Net loans and leases to core deposits | 67.8821% | 6,883 |
| Total domestic deposits to total assets | 92.1287% | 240 |
| Equity capital to assets | 7.7567% | 6,813 |
| Core capital (leverage) ratio | 7.7388% | 6,518 |
| Tier 1 risk-based capital ratio | 15.7958% | 2,607 |
| Total risk-based capital ratio | 17.0238% | 2,548 |
| Memoranda: | ||
| Average total assets | $83,833,400 | 5,601 |
| Average earning assets | $76,166,800 | 5,596 |
| Average equity | $6,935,000 | 6,290 |
| Average total loans | $43,035,600 | 5,978 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 6,501 |
| Cost of funding earning assets | 1.8955% | 3,906 |
| Net interest margin | 3.1386% | 6,209 |
| Noninterest income to average assets | 0.2844% | 6,198 |
| Noninterest expense to average assets | 2.8410% | 4,718 |
| Loan and lease loss provision to assets | 0.0209% | 7,145 |
| Net operating income to assets | 0.0966% | 5,472 |
| Return on assets (ROA) | -0.0145% | 5,794 |
| Pretax return on assets | 0.1093% | 5,504 |
| Return on Equity (ROE) | -0.1720% | 5,806 |
| Retained earnings to average equity (ytd only) | -3.9944% | 6,110 |
| Net charge-offs to loans | -0.0031% | 7,604 |
| Credit loss provision to net charge-offs | -1,300.0000% | 7,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3424% | 1,659 |
| Assets per employee ($millions) | 2.9899% | 6,184 |
| Cash dividends to net income (ytd only)* | -2,222.1667% | 8,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 2,824 |
| Loan loss allowance to noncurrent loans | 54.4664% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.5466% | 4,045 |
| Noncurrent loans to loans | 3.0201% | 2,505 |
| Net loans and leases to total assets | 47.5123% | 6,998 |
| Net loans and leases to deposits | 51.7284% | 7,314 |
| Net loans and leases to core deposits | 67.7460% | 7,083 |
| Total domestic deposits to total assets | 91.8497% | 198 |
| Equity capital to assets | 7.9958% | 6,850 |
| Core capital (leverage) ratio | 7.9778% | 6,399 |
| Tier 1 risk-based capital ratio | 16.9506% | 2,290 |
| Total risk-based capital ratio | 18.2054% | 2,236 |
| Memoranda: | ||
| Average total assets | $82,972,000 | 5,660 |
| Average earning assets | $75,616,250 | 5,648 |
| Average equity | $6,976,250 | 6,320 |
| Average total loans | $43,289,500 | 6,010 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 6,075 |
| Cost of funding earning assets | 1.9561% | 3,974 |
| Net interest margin | 3.2441% | 5,756 |
| Noninterest income to average assets | 0.3181% | 5,960 |
| Noninterest expense to average assets | 2.7702% | 5,091 |
| Loan and lease loss provision to assets | 0.0245% | 6,991 |
| Net operating income to assets | 0.2431% | 5,115 |
| Return on assets (ROA) | 0.0661% | 5,750 |
| Pretax return on assets | 0.2178% | 5,421 |
| Return on Equity (ROE) | 0.7725% | 5,705 |
| Retained earnings to average equity (ytd only) | -4.9495% | 6,292 |
| Net charge-offs to loans | -0.0091% | 7,595 |
| Credit loss provision to net charge-offs | -500.0000% | 7,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2262% | 2,456 |
| Assets per employee ($millions) | 2.8731% | 6,466 |
| Cash dividends to net income (ytd only)* | 740.7407% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 2,680 |
| Loan loss allowance to noncurrent loans | 248.0144% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 6,404 |
| Noncurrent loans to loans | 0.6505% | 5,952 |
| Net loans and leases to total assets | 50.2832% | 6,843 |
| Net loans and leases to deposits | 54.9182% | 7,226 |
| Net loans and leases to core deposits | 70.7332% | 6,987 |
| Total domestic deposits to total assets | 91.5602% | 305 |
| Equity capital to assets | 8.2969% | 6,333 |
| Core capital (leverage) ratio | 8.2771% | 5,847 |
| Tier 1 risk-based capital ratio | 17.6433% | 2,103 |
| Total risk-based capital ratio | 18.8997% | 2,056 |
| Memoranda: | ||
| Average total assets | $81,726,670 | 5,737 |
| Average earning assets | $74,842,670 | 5,715 |
| Average equity | $6,990,670 | 6,375 |
| Average total loans | $43,757,330 | 6,032 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4821% | 5,004 |
| Cost of funding earning assets | 2.0038% | 4,108 |
| Net interest margin | 3.4783% | 4,811 |
| Noninterest income to average assets | 0.2916% | 6,103 |
| Noninterest expense to average assets | 2.8222% | 4,463 |
| Loan and lease loss provision to assets | 0.0494% | 6,353 |
| Net operating income to assets | 0.3604% | 5,018 |
| Return on assets (ROA) | 0.4300% | 4,922 |
| Pretax return on assets | 0.7117% | 4,394 |
| Return on Equity (ROE) | 4.9506% | 4,488 |
| Retained earnings to average equity (ytd only) | -6.4300% | 6,734 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2233% | 2,651 |
| Assets per employee ($millions) | 2.7772% | 6,698 |
| Cash dividends to net income (ytd only)* | 229.8851% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 2,692 |
| Loan loss allowance to noncurrent loans | 237.8472% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 6,191 |
| Noncurrent loans to loans | 0.6548% | 5,772 |
| Net loans and leases to total assets | 51.9654% | 6,686 |
| Net loans and leases to deposits | 56.8256% | 7,109 |
| Net loans and leases to core deposits | 73.1351% | 6,860 |
| Total domestic deposits to total assets | 91.4471% | 287 |
| Equity capital to assets | 8.3692% | 6,286 |
| Core capital (leverage) ratio | 8.3516% | 5,807 |
| Tier 1 risk-based capital ratio | 17.5359% | 2,177 |
| Total risk-based capital ratio | 18.7911% | 2,116 |
| Memoranda: | ||
| Average total assets | $80,930,000 | 5,788 |
| Average earning assets | $74,059,000 | 5,767 |
| Average equity | $7,029,500 | 6,394 |
| Average total loans | $44,344,500 | 6,046 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6565% | 6,918 |
| Cost of funding earning assets | 2.3834% | 4,794 |
| Net interest margin | 3.2730% | 6,125 |
| Noninterest income to average assets | 0.2694% | 6,526 |
| Noninterest expense to average assets | 2.8058% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3326% | 5,431 |
| Return on assets (ROA) | 0.3408% | 5,214 |
| Pretax return on assets | 0.4762% | 5,052 |
| Return on Equity (ROE) | 3.8406% | 4,881 |
| Retained earnings to average equity (ytd only) | 3.8406% | 2,736 |
| Net charge-offs to loans | 0.0482% | 6,100 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,782 |
| Efficiency ratio | 85.7923% | 1,875 |
| Assets per employee ($millions) | 2.6181% | 6,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 2,625 |
| Loan loss allowance to noncurrent loans | 245.4545% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3501% | 6,192 |
| Noncurrent loans to loans | 0.6151% | 5,523 |
| Net loans and leases to total assets | 56.0623% | 6,435 |
| Net loans and leases to deposits | 61.7444% | 6,964 |
| Net loans and leases to core deposits | 79.5049% | 6,650 |
| Total domestic deposits to total assets | 90.7974% | 388 |
| Equity capital to assets | 9.0218% | 5,346 |
| Core capital (leverage) ratio | 9.0044% | 4,734 |
| Tier 1 risk-based capital ratio | 18.3049% | 1,958 |
| Total risk-based capital ratio | 19.5604% | 1,907 |
| Memoranda: | ||
| Average total assets | $78,336,600 | 5,757 |
| Average earning assets | $71,829,200 | 5,745 |
| Average equity | $6,952,000 | 6,474 |
| Average total loans | $43,596,200 | 5,998 |