Home > First State Bank of Odem > Performance and Condition Ratios
First State Bank of Odem, 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 | 6.1763% | 511 |
| Cost of funding earning assets | 0.3253% | 4,356 |
| Net interest margin | 5.8510% | 128 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.8870% | 1,301 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 2.4092% | 265 |
| Return on assets (ROA) | 2.4092% | 260 |
| Pretax return on assets | 3.0791% | 191 |
| Return on Equity (ROE) | 18.6900% | 742 |
| Retained earnings to average equity (ytd only) | 18.6938% | 162 |
| Net charge-offs to loans | 0.0275% | 1,762 |
| Credit loss provision to net charge-offs | 857.1429% | 463 |
| Earnings coverage of net charge-offs (x) | 218.0357% | 559 |
| Efficiency ratio | 47.3888% | 4,123 |
| Assets per employee ($millions) | 5.2637% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6142% | 171 |
| Loan loss allowance to noncurrent loans | 11,426.0870% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 3,688 |
| Noncurrent loans to loans | 0.0229% | 3,580 |
| Net loans and leases to total assets | 51.6600% | 3,501 |
| Net loans and leases to deposits | 60.5958% | 3,488 |
| Net loans and leases to core deposits | 61.4358% | 3,702 |
| Total domestic deposits to total assets | 85.2600% | 2,225 |
| Equity capital to assets | 14.4127% | 616 |
| Core capital (leverage) ratio | 14.0842% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $190,477,200 | 3,050 |
| Average earning assets | $179,201,400 | 3,014 |
| Average equity | $24,548,200 | 2,547 |
| Average total loans | $101,791,600 | 3,159 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9545% | 563 |
| Cost of funding earning assets | 0.2733% | 4,387 |
| Net interest margin | 5.6812% | 146 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.8704% | 1,284 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 2.3174% | 322 |
| Return on assets (ROA) | 2.3174% | 314 |
| Pretax return on assets | 2.9172% | 251 |
| Return on Equity (ROE) | 18.5300% | 872 |
| Retained earnings to average equity (ytd only) | 18.5262% | 316 |
| Net charge-offs to loans | 0.0131% | 1,928 |
| Credit loss provision to net charge-offs | 1,800.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 435.3000% | 341 |
| Efficiency ratio | 48.5400% | 4,013 |
| Assets per employee ($millions) | 5.6649% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5703% | 182 |
| Loan loss allowance to noncurrent loans | 11,239.1304% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 3,736 |
| Noncurrent loans to loans | 0.0229% | 3,602 |
| Net loans and leases to total assets | 49.4200% | 3,657 |
| Net loans and leases to deposits | 57.0368% | 3,654 |
| Net loans and leases to core deposits | 57.4174% | 3,799 |
| Total domestic deposits to total assets | 86.6500% | 1,998 |
| Equity capital to assets | 12.9609% | 822 |
| Core capital (leverage) ratio | 13.7376% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $190,723,250 | 3,055 |
| Average earning assets | $179,511,750 | 3,019 |
| Average equity | $23,857,500 | 2,572 |
| Average total loans | $102,107,250 | 3,155 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8103% | 550 |
| Cost of funding earning assets | 0.2441% | 4,384 |
| Net interest margin | 5.5662% | 161 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.8819% | 1,253 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 2.2220% | 347 |
| Return on assets (ROA) | 2.2220% | 339 |
| Pretax return on assets | 2.7831% | 253 |
| Return on Equity (ROE) | 17.9900% | 958 |
| Retained earnings to average equity (ytd only) | 17.9917% | 341 |
| Net charge-offs to loans | 0.0078% | 1,931 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 684.7500% | 216 |
| Efficiency ratio | 49.7523% | 3,950 |
| Assets per employee ($millions) | 5.0856% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4346% | 240 |
| Loan loss allowance to noncurrent loans | 11,504.5455% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 3,727 |
| Noncurrent loans to loans | 0.0212% | 3,610 |
| Net loans and leases to total assets | 55.4000% | 3,159 |
| Net loans and leases to deposits | 64.1438% | 3,183 |
| Net loans and leases to core deposits | 64.6088% | 3,411 |
| Total domestic deposits to total assets | 86.3700% | 2,125 |
| Equity capital to assets | 13.3125% | 747 |
| Core capital (leverage) ratio | 13.7146% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0133% | 426 |
| Memoranda: | ||
| Average total assets | $188,206,667 | 3,079 |
| Average earning assets | $176,996,667 | 3,047 |
| Average equity | $23,244,000 | 2,610 |
| Average total loans | $102,618,667 | 3,147 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5105% | 613 |
| Cost of funding earning assets | 0.1785% | 4,412 |
| Net interest margin | 5.3319% | 190 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.8286% | 1,374 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 2.0758% | 445 |
| Return on assets (ROA) | 2.0758% | 438 |
| Pretax return on assets | 2.5832% | 324 |
| Return on Equity (ROE) | 17.4600% | 1,105 |
| Retained earnings to average equity (ytd only) | 17.4607% | 563 |
| Net charge-offs to loans | 0.0157% | 1,381 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 323.0000% | 348 |
| Efficiency ratio | 51.0791% | 3,847 |
| Assets per employee ($millions) | 5.5268% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4534% | 229 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 52.2800% | 3,331 |
| Net loans and leases to deposits | 59.8088% | 3,343 |
| Net loans and leases to core deposits | 60.2261% | 3,531 |
| Total domestic deposits to total assets | 87.4200% | 2,123 |
| Equity capital to assets | 12.3930% | 897 |
| Core capital (leverage) ratio | 12.6440% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6411% | 457 |
| Memoranda: | ||
| Average total assets | $190,768,500 | 3,097 |
| Average earning assets | $179,222,500 | 3,070 |
| Average equity | $22,679,500 | 2,671 |
| Average total loans | $101,947,500 | 3,190 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 1,089 |
| Cost of funding earning assets | 0.0758% | 4,491 |
| Net interest margin | 4.2035% | 532 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.6290% | 1,740 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.4151% | 1,094 |
| Return on assets (ROA) | 1.4151% | 1,059 |
| Pretax return on assets | 1.7370% | 848 |
| Return on Equity (ROE) | 12.7300% | 1,897 |
| Retained earnings to average equity (ytd only) | 11.6708% | 738 |
| Net charge-offs to loans | 0.0133% | 1,880 |
| Credit loss provision to net charge-offs | 1,846.1538% | 278 |
| Earnings coverage of net charge-offs (x) | 269.5385% | 528 |
| Efficiency ratio | 58.5031% | 3,265 |
| Assets per employee ($millions) | 5.5321% | 3,183 |
| Cash dividends to net income (ytd only)* | 8.3490% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3406% | 249 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.0400% | 3,355 |
| Net loans and leases to deposits | 58.8399% | 3,406 |
| Net loans and leases to core deposits | 59.2339% | 3,545 |
| Total domestic deposits to total assets | 88.4400% | 1,924 |
| Equity capital to assets | 11.3988% | 1,113 |
| Core capital (leverage) ratio | 11.4814% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0079% | 546 |
| Memoranda: | ||
| Average total assets | $187,905,200 | 3,124 |
| Average earning assets | $176,735,000 | 3,091 |
| Average equity | $20,881,200 | 2,867 |
| Average total loans | $97,626,000 | 3,185 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8595% | 1,588 |
| Cost of funding earning assets | 0.0676% | 4,490 |
| Net interest margin | 3.7918% | 960 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.5776% | 1,771 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.1147% | 2,030 |
| Return on assets (ROA) | 1.1147% | 1,997 |
| Pretax return on assets | 1.4035% | 1,704 |
| Return on Equity (ROE) | 10.1000% | 2,688 |
| Retained earnings to average equity (ytd only) | 10.0983% | 1,316 |
| Net charge-offs to loans | 0.0139% | 1,603 |
| Credit loss provision to net charge-offs | 1,800.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 214.3000% | 600 |
| Efficiency ratio | 62.7175% | 2,733 |
| Assets per employee ($millions) | 5.9417% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3141% | 284 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 49.2700% | 3,511 |
| Net loans and leases to deposits | 55.2232% | 3,535 |
| Net loans and leases to core deposits | 55.5726% | 3,650 |
| Total domestic deposits to total assets | 89.2300% | 1,988 |
| Equity capital to assets | 10.4788% | 1,380 |
| Core capital (leverage) ratio | 11.2847% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6503% | 592 |
| Memoranda: | ||
| Average total assets | $186,475,250 | 3,158 |
| Average earning assets | $175,495,500 | 3,124 |
| Average equity | $20,583,750 | 2,939 |
| Average total loans | $96,237,750 | 3,220 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5821% | 1,898 |
| Cost of funding earning assets | 0.0693% | 4,463 |
| Net interest margin | 3.5128% | 1,285 |
| Noninterest income to average assets | 0.5505% | 1,948 |
| Noninterest expense to average assets | 2.6289% | 1,557 |
| Loan and lease loss provision to assets | 0.1324% | 728 |
| Net operating income to assets | 0.8638% | 2,721 |
| Return on assets (ROA) | 0.8638% | 2,694 |
| Pretax return on assets | 1.0888% | 2,446 |
| Return on Equity (ROE) | 7.6807% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.6807% | 1,737 |
| Net charge-offs to loans | 0.0212% | 1,305 |
| Credit loss provision to net charge-offs | 1,200.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 110.7000% | 770 |
| Efficiency ratio | 68.2808% | 2,198 |
| Assets per employee ($millions) | 5.7335% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4020% | 289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 50.9143% | 3,276 |
| Net loans and leases to deposits | 57.4902% | 3,269 |
| Net loans and leases to core deposits | 57.8939% | 3,429 |
| Total domestic deposits to total assets | 88.5617% | 2,353 |
| Equity capital to assets | 11.1941% | 1,137 |
| Core capital (leverage) ratio | 11.7296% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8337% | 550 |
| Memoranda: | ||
| Average total assets | $181,294,333 | 3,234 |
| Average earning assets | $170,290,667 | 3,213 |
| Average equity | $20,388,667 | 3,032 |
| Average total loans | $94,350,667 | 3,268 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2863% | 2,427 |
| Cost of funding earning assets | 0.0709% | 4,439 |
| Net interest margin | 3.2155% | 1,833 |
| Noninterest income to average assets | 0.5416% | 1,942 |
| Noninterest expense to average assets | 2.6192% | 1,555 |
| Loan and lease loss provision to assets | 0.1332% | 611 |
| Net operating income to assets | 0.6348% | 3,276 |
| Return on assets (ROA) | 0.6348% | 3,258 |
| Pretax return on assets | 0.8102% | 3,084 |
| Return on Equity (ROE) | 5.6316% | 3,445 |
| Retained earnings to average equity (ytd only) | 5.6316% | 2,370 |
| Net charge-offs to loans | 0.0043% | 1,614 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 425.0000% | 241 |
| Efficiency ratio | 73.5202% | 1,793 |
| Assets per employee ($millions) | 5.2916% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3296% | 356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 52.3861% | 2,952 |
| Net loans and leases to deposits | 59.2081% | 2,976 |
| Net loans and leases to core deposits | 59.6325% | 3,180 |
| Total domestic deposits to total assets | 88.4780% | 2,308 |
| Equity capital to assets | 11.3053% | 1,190 |
| Core capital (leverage) ratio | 11.3619% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9573% | 646 |
| Memoranda: | ||
| Average total assets | $180,206,000 | 3,254 |
| Average earning assets | $169,307,500 | 3,230 |
| Average equity | $20,314,000 | 3,121 |
| Average total loans | $93,670,000 | 3,279 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8778% | 1,672 |
| Cost of funding earning assets | 0.0832% | 4,510 |
| Net interest margin | 3.7946% | 1,018 |
| Noninterest income to average assets | 0.5830% | 2,232 |
| Noninterest expense to average assets | 2.7120% | 1,606 |
| Loan and lease loss provision to assets | 0.1387% | 872 |
| Net operating income to assets | 1.0209% | 2,588 |
| Return on assets (ROA) | 1.0209% | 2,668 |
| Pretax return on assets | 1.2884% | 2,396 |
| Return on Equity (ROE) | 9.0499% | 2,892 |
| Retained earnings to average equity (ytd only) | 9.0499% | 1,184 |
| Net charge-offs to loans | 0.0387% | 1,484 |
| Credit loss provision to net charge-offs | 685.7143% | 673 |
| Earnings coverage of net charge-offs (x) | 70.5714% | 1,071 |
| Efficiency ratio | 65.5221% | 2,334 |
| Assets per employee ($millions) | 5.4696% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4086% | 317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 49.1163% | 3,392 |
| Net loans and leases to deposits | 55.4612% | 3,469 |
| Net loans and leases to core deposits | 55.8571% | 3,629 |
| Total domestic deposits to total assets | 88.5599% | 1,761 |
| Equity capital to assets | 11.2401% | 1,639 |
| Core capital (leverage) ratio | 11.1192% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3171% | 531 |
| Memoranda: | ||
| Average total assets | $173,081,600 | 3,268 |
| Average earning assets | $162,204,200 | 3,254 |
| Average equity | $19,525,000 | 3,252 |
| Average total loans | $90,477,800 | 3,331 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4518% | 2,956 |
| Cost of funding earning assets | 0.0856% | 4,609 |
| Net interest margin | 3.3661% | 2,248 |
| Noninterest income to average assets | 0.8674% | 1,330 |
| Noninterest expense to average assets | 2.6934% | 1,608 |
| Loan and lease loss provision to assets | 0.1402% | 808 |
| Net operating income to assets | 0.9702% | 3,019 |
| Return on assets (ROA) | 0.9702% | 3,100 |
| Pretax return on assets | 1.1867% | 2,974 |
| Return on Equity (ROE) | 8.5365% | 3,250 |
| Retained earnings to average equity (ytd only) | 8.5365% | 1,867 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9959% | 1,972 |
| Assets per employee ($millions) | 4.9821% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3458% | 361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 50.2052% | 3,394 |
| Net loans and leases to deposits | 56.7566% | 3,510 |
| Net loans and leases to core deposits | 57.1619% | 3,688 |
| Total domestic deposits to total assets | 88.4570% | 1,593 |
| Equity capital to assets | 11.1800% | 1,902 |
| Core capital (leverage) ratio | 11.6839% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6156% | 633 |
| Memoranda: | ||
| Average total assets | $171,231,750 | 3,323 |
| Average earning assets | $160,377,500 | 3,304 |
| Average equity | $19,461,000 | 3,298 |
| Average total loans | $90,387,000 | 3,374 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4720% | 2,968 |
| Cost of funding earning assets | 0.0875% | 4,651 |
| Net interest margin | 3.3845% | 2,189 |
| Noninterest income to average assets | 0.8153% | 1,497 |
| Noninterest expense to average assets | 2.6869% | 1,622 |
| Loan and lease loss provision to assets | 0.1424% | 851 |
| Net operating income to assets | 0.9387% | 3,098 |
| Return on assets (ROA) | 0.9387% | 3,178 |
| Pretax return on assets | 1.1524% | 3,050 |
| Return on Equity (ROE) | 8.2122% | 3,343 |
| Retained earnings to average equity (ytd only) | 8.2122% | 1,999 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4814% | 1,939 |
| Assets per employee ($millions) | 4.7979% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2703% | 385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 53.9098% | 3,140 |
| Net loans and leases to deposits | 61.3300% | 3,269 |
| Net loans and leases to core deposits | 61.8010% | 3,479 |
| Total domestic deposits to total assets | 87.9011% | 1,885 |
| Equity capital to assets | 11.6844% | 1,528 |
| Core capital (leverage) ratio | 11.5917% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6539% | 504 |
| Memoranda: | ||
| Average total assets | $168,523,667 | 3,356 |
| Average earning assets | $157,661,000 | 3,332 |
| Average equity | $19,264,000 | 3,308 |
| Average total loans | $89,779,667 | 3,403 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5244% | 2,846 |
| Cost of funding earning assets | 0.0911% | 4,697 |
| Net interest margin | 3.4333% | 2,012 |
| Noninterest income to average assets | 0.6776% | 1,934 |
| Noninterest expense to average assets | 2.6513% | 1,736 |
| Loan and lease loss provision to assets | 0.1422% | 936 |
| Net operating income to assets | 0.8245% | 3,338 |
| Return on assets (ROA) | 0.8245% | 3,418 |
| Pretax return on assets | 1.0994% | 3,112 |
| Return on Equity (ROE) | 7.2935% | 3,525 |
| Retained earnings to average equity (ytd only) | 7.2935% | 2,481 |
| Net charge-offs to loans | -0.0136% | 3,809 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1071% | 1,922 |
| Assets per employee ($millions) | 5.2026% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1962% | 424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.0964% | 3,335 |
| Net loans and leases to deposits | 60.0248% | 3,482 |
| Net loans and leases to core deposits | 60.4727% | 3,670 |
| Total domestic deposits to total assets | 88.4574% | 1,628 |
| Equity capital to assets | 11.1989% | 1,724 |
| Core capital (leverage) ratio | 11.4194% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3889% | 742 |
| Memoranda: | ||
| Average total assets | $168,823,000 | 3,352 |
| Average earning assets | $158,097,500 | 3,330 |
| Average equity | $19,085,500 | 3,322 |
| Average total loans | $88,354,000 | 3,436 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 2,364 |
| Cost of funding earning assets | 0.1224% | 4,807 |
| Net interest margin | 3.9985% | 974 |
| Noninterest income to average assets | 0.8250% | 1,465 |
| Noninterest expense to average assets | 2.9873% | 1,463 |
| Loan and lease loss provision to assets | 0.1539% | 2,448 |
| Net operating income to assets | 1.1705% | 1,652 |
| Return on assets (ROA) | 1.1705% | 1,764 |
| Pretax return on assets | 1.4757% | 1,420 |
| Return on Equity (ROE) | 9.6191% | 2,153 |
| Retained earnings to average equity (ytd only) | 4.3513% | 2,622 |
| Net charge-offs to loans | -0.0582% | 4,699 |
| Credit loss provision to net charge-offs | -489.7959% | 3,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7042% | 2,721 |
| Assets per employee ($millions) | 5.3535% | 2,995 |
| Cash dividends to net income (ytd only)* | 54.7645% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3748% | 311 |
| Loan loss allowance to noncurrent loans | 710.7527% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 3,433 |
| Noncurrent loans to loans | 0.3341% | 3,012 |
| Net loans and leases to total assets | 49.1197% | 3,896 |
| Net loans and leases to deposits | 55.5348% | 4,027 |
| Net loans and leases to core deposits | 55.9637% | 4,153 |
| Total domestic deposits to total assets | 88.4484% | 1,254 |
| Equity capital to assets | 11.4148% | 1,948 |
| Core capital (leverage) ratio | 11.2972% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3135% | 556 |
| Memoranda: | ||
| Average total assets | $155,996,000 | 3,330 |
| Average earning assets | $147,929,600 | 3,292 |
| Average equity | $18,983,000 | 3,281 |
| Average total loans | $84,236,600 | 3,493 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 2,134 |
| Cost of funding earning assets | 0.1314% | 4,855 |
| Net interest margin | 4.1571% | 799 |
| Noninterest income to average assets | 0.9242% | 1,163 |
| Noninterest expense to average assets | 3.0704% | 1,288 |
| Loan and lease loss provision to assets | 0.1563% | 2,447 |
| Net operating income to assets | 1.3133% | 1,327 |
| Return on assets (ROA) | 1.3133% | 1,414 |
| Pretax return on assets | 1.6555% | 1,056 |
| Return on Equity (ROE) | 10.6143% | 1,812 |
| Retained earnings to average equity (ytd only) | 10.6143% | 653 |
| Net charge-offs to loans | -0.0774% | 4,778 |
| Credit loss provision to net charge-offs | -367.3469% | 3,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8892% | 2,932 |
| Assets per employee ($millions) | 5.1601% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2186% | 343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 51.3272% | 4,014 |
| Net loans and leases to deposits | 58.4709% | 4,141 |
| Net loans and leases to core deposits | 58.9246% | 4,259 |
| Total domestic deposits to total assets | 87.7824% | 1,307 |
| Equity capital to assets | 11.9390% | 1,714 |
| Core capital (leverage) ratio | 12.0976% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3790% | 489 |
| Memoranda: | ||
| Average total assets | $153,505,000 | 3,340 |
| Average earning assets | $146,156,750 | 3,290 |
| Average equity | $18,992,750 | 3,281 |
| Average total loans | $84,420,250 | 3,514 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4976% | 1,924 |
| Cost of funding earning assets | 0.1434% | 4,895 |
| Net interest margin | 4.3542% | 672 |
| Noninterest income to average assets | 1.1522% | 753 |
| Noninterest expense to average assets | 3.1985% | 1,162 |
| Loan and lease loss provision to assets | 0.1604% | 2,397 |
| Net operating income to assets | 1.5371% | 867 |
| Return on assets (ROA) | 1.5371% | 940 |
| Pretax return on assets | 1.9327% | 634 |
| Return on Equity (ROE) | 12.2651% | 1,270 |
| Retained earnings to average equity (ytd only) | 12.2651% | 428 |
| Net charge-offs to loans | -0.1339% | 4,896 |
| Credit loss provision to net charge-offs | -214.2857% | 3,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4446% | 3,353 |
| Assets per employee ($millions) | 4.1059% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0332% | 415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 57.7507% | 3,538 |
| Net loans and leases to deposits | 66.1846% | 3,704 |
| Net loans and leases to core deposits | 66.7316% | 3,941 |
| Total domestic deposits to total assets | 87.2571% | 1,522 |
| Equity capital to assets | 12.4628% | 1,394 |
| Core capital (leverage) ratio | 12.4727% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1736% | 566 |
| Memoranda: | ||
| Average total assets | $149,632,333 | 3,363 |
| Average earning assets | $142,252,667 | 3,320 |
| Average equity | $18,752,333 | 3,293 |
| Average total loans | $83,668,333 | 3,522 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 1,372 |
| Cost of funding earning assets | 0.1526% | 4,964 |
| Net interest margin | 4.6678% | 358 |
| Noninterest income to average assets | 0.5955% | 2,058 |
| Noninterest expense to average assets | 3.3571% | 1,131 |
| Loan and lease loss provision to assets | 0.1639% | 1,773 |
| Net operating income to assets | 1.1964% | 1,529 |
| Return on assets (ROA) | 1.1964% | 1,644 |
| Pretax return on assets | 1.5024% | 1,299 |
| Return on Equity (ROE) | 9.5186% | 1,905 |
| Retained earnings to average equity (ytd only) | 9.5186% | 842 |
| Net charge-offs to loans | -0.2817% | 4,974 |
| Credit loss provision to net charge-offs | -107.1429% | 3,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8298% | 2,845 |
| Assets per employee ($millions) | 3.8776% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2606% | 345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 54.5765% | 3,939 |
| Net loans and leases to deposits | 62.9134% | 4,047 |
| Net loans and leases to core deposits | 63.4826% | 4,199 |
| Total domestic deposits to total assets | 86.7486% | 1,669 |
| Equity capital to assets | 13.1064% | 1,378 |
| Core capital (leverage) ratio | 12.8992% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1702% | 487 |
| Memoranda: | ||
| Average total assets | $146,436,500 | 3,372 |
| Average earning assets | $138,909,500 | 3,326 |
| Average equity | $18,406,000 | 3,331 |
| Average total loans | $79,515,000 | 3,588 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 1,101 |
| Cost of funding earning assets | 0.1515% | 5,046 |
| Net interest margin | 5.0017% | 270 |
| Noninterest income to average assets | 0.6319% | 2,083 |
| Noninterest expense to average assets | 3.4072% | 1,105 |
| Loan and lease loss provision to assets | 0.1683% | 1,236 |
| Net operating income to assets | 1.4403% | 1,217 |
| Return on assets (ROA) | 1.4364% | 1,292 |
| Pretax return on assets | 1.7990% | 943 |
| Return on Equity (ROE) | 12.1000% | 1,471 |
| Retained earnings to average equity (ytd only) | 12.1000% | 232 |
| Net charge-offs to loans | 0.1795% | 1,121 |
| Credit loss provision to net charge-offs | 170.2128% | 1,525 |
| Earnings coverage of net charge-offs (x) | 19.9433% | 1,963 |
| Efficiency ratio | 63.3377% | 3,167 |
| Assets per employee ($millions) | 3.9316% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1466% | 362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 51.6884% | 4,251 |
| Net loans and leases to deposits | 58.8599% | 4,337 |
| Net loans and leases to core deposits | 59.3649% | 4,468 |
| Total domestic deposits to total assets | 87.8160% | 1,221 |
| Equity capital to assets | 12.0535% | 2,104 |
| Core capital (leverage) ratio | 12.0652% | 1,735 |
| Tier 1 risk-based capital ratio | 22.4221% | 975 |
| Total risk-based capital ratio | 23.6826% | 950 |
| Memoranda: | ||
| Average total assets | $142,580,000 | 3,401 |
| Average earning assets | $135,332,800 | 3,346 |
| Average equity | $16,925,600 | 3,446 |
| Average total loans | $78,529,800 | 3,629 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2458% | 951 |
| Cost of funding earning assets | 0.1497% | 5,122 |
| Net interest margin | 5.0962% | 236 |
| Noninterest income to average assets | 0.5716% | 2,346 |
| Noninterest expense to average assets | 3.3580% | 1,162 |
| Loan and lease loss provision to assets | 0.1704% | 1,083 |
| Net operating income to assets | 1.5092% | 1,167 |
| Return on assets (ROA) | 1.5039% | 1,232 |
| Pretax return on assets | 1.8702% | 933 |
| Return on Equity (ROE) | 12.7206% | 1,380 |
| Retained earnings to average equity (ytd only) | 12.7206% | 312 |
| Net charge-offs to loans | 0.2142% | 825 |
| Credit loss provision to net charge-offs | 142.8571% | 1,697 |
| Earnings coverage of net charge-offs (x) | 17.1663% | 2,108 |
| Efficiency ratio | 62.1257% | 3,307 |
| Assets per employee ($millions) | 3.6433% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9973% | 472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 55.5232% | 4,076 |
| Net loans and leases to deposits | 63.3497% | 4,220 |
| Net loans and leases to core deposits | 64.0335% | 4,366 |
| Total domestic deposits to total assets | 87.6456% | 1,194 |
| Equity capital to assets | 12.0469% | 2,223 |
| Core capital (leverage) ratio | 12.4815% | 1,580 |
| Tier 1 risk-based capital ratio | 20.9128% | 1,202 |
| Total risk-based capital ratio | 22.1720% | 1,180 |
| Memoranda: | ||
| Average total assets | $140,874,750 | 3,459 |
| Average earning assets | $133,613,750 | 3,405 |
| Average equity | $16,655,000 | 3,504 |
| Average total loans | $78,433,000 | 3,668 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2486% | 898 |
| Cost of funding earning assets | 0.1487% | 5,165 |
| Net interest margin | 5.0999% | 236 |
| Noninterest income to average assets | 0.5630% | 2,325 |
| Noninterest expense to average assets | 3.3894% | 1,123 |
| Loan and lease loss provision to assets | 0.1723% | 1,052 |
| Net operating income to assets | 1.4933% | 1,167 |
| Return on assets (ROA) | 1.4850% | 1,236 |
| Pretax return on assets | 1.8197% | 991 |
| Return on Equity (ROE) | 12.6447% | 1,349 |
| Retained earnings to average equity (ytd only) | 12.6447% | 335 |
| Net charge-offs to loans | 0.3244% | 525 |
| Credit loss provision to net charge-offs | 96.0000% | 2,063 |
| Earnings coverage of net charge-offs (x) | 11.1520% | 2,222 |
| Efficiency ratio | 62.8663% | 3,307 |
| Assets per employee ($millions) | 3.6207% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9038% | 558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 59.5457% | 3,777 |
| Net loans and leases to deposits | 68.1501% | 3,961 |
| Net loans and leases to core deposits | 69.0904% | 4,145 |
| Total domestic deposits to total assets | 87.3744% | 1,397 |
| Equity capital to assets | 12.3836% | 1,919 |
| Core capital (leverage) ratio | 12.6211% | 1,474 |
| Tier 1 risk-based capital ratio | 20.2370% | 1,301 |
| Total risk-based capital ratio | 21.4950% | 1,271 |
| Memoranda: | ||
| Average total assets | $139,256,330 | 3,504 |
| Average earning assets | $131,845,330 | 3,446 |
| Average equity | $16,354,670 | 3,527 |
| Average total loans | $77,056,330 | 3,714 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0328% | 1,255 |
| Cost of funding earning assets | 0.1447% | 5,219 |
| Net interest margin | 4.8880% | 344 |
| Noninterest income to average assets | 0.5396% | 2,341 |
| Noninterest expense to average assets | 3.3350% | 1,216 |
| Loan and lease loss provision to assets | 0.1713% | 977 |
| Net operating income to assets | 1.3420% | 1,552 |
| Return on assets (ROA) | 1.3420% | 1,592 |
| Pretax return on assets | 1.6618% | 1,307 |
| Return on Equity (ROE) | 11.7405% | 1,637 |
| Retained earnings to average equity (ytd only) | 11.7405% | 667 |
| Net charge-offs to loans | 0.6773% | 223 |
| Credit loss provision to net charge-offs | 48.0000% | 1,991 |
| Earnings coverage of net charge-offs (x) | 5.1360% | 2,276 |
| Efficiency ratio | 64.5304% | 3,154 |
| Assets per employee ($millions) | 3.5204% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0322% | 469 |
| Loan loss allowance to noncurrent loans | 753.6946% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 4,065 |
| Noncurrent loans to loans | 0.2696% | 3,598 |
| Net loans and leases to total assets | 53.7215% | 4,223 |
| Net loans and leases to deposits | 61.0723% | 4,353 |
| Net loans and leases to core deposits | 61.9110% | 4,485 |
| Total domestic deposits to total assets | 87.9639% | 1,352 |
| Equity capital to assets | 11.8701% | 2,106 |
| Core capital (leverage) ratio | 11.7662% | 1,930 |
| Tier 1 risk-based capital ratio | 21.8042% | 1,074 |
| Total risk-based capital ratio | 23.0640% | 1,050 |
| Memoranda: | ||
| Average total assets | $140,092,000 | 3,532 |
| Average earning assets | $132,651,000 | 3,474 |
| Average equity | $16,013,000 | 3,583 |
| Average total loans | $73,826,500 | 3,807 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7899% | 1,568 |
| Cost of funding earning assets | 0.1316% | 5,223 |
| Net interest margin | 4.6583% | 534 |
| Noninterest income to average assets | 0.5616% | 2,482 |
| Noninterest expense to average assets | 3.2300% | 1,481 |
| Loan and lease loss provision to assets | 0.1689% | 1,193 |
| Net operating income to assets | 1.2589% | 1,945 |
| Return on assets (ROA) | 1.2589% | 1,942 |
| Pretax return on assets | 1.5714% | 1,551 |
| Return on Equity (ROE) | 11.4735% | 1,908 |
| Retained earnings to average equity (ytd only) | 5.0602% | 2,730 |
| Net charge-offs to loans | 0.0540% | 2,374 |
| Credit loss provision to net charge-offs | 585.3659% | 603 |
| Earnings coverage of net charge-offs (x) | 60.3171% | 1,016 |
| Efficiency ratio | 64.9865% | 3,027 |
| Assets per employee ($millions) | 4.2026% | 3,614 |
| Cash dividends to net income (ytd only)* | 55.8971% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2041% | 328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 49.5287% | 4,556 |
| Net loans and leases to deposits | 55.7608% | 4,676 |
| Net loans and leases to core deposits | 56.6875% | 4,754 |
| Total domestic deposits to total assets | 88.8235% | 937 |
| Equity capital to assets | 11.0078% | 2,681 |
| Core capital (leverage) ratio | 11.0251% | 2,503 |
| Tier 1 risk-based capital ratio | 22.0145% | 1,033 |
| Total risk-based capital ratio | 23.2764% | 1,008 |
| Memoranda: | ||
| Average total assets | $142,104,400 | 3,474 |
| Average earning assets | $134,490,600 | 3,433 |
| Average equity | $15,592,400 | 3,559 |
| Average total loans | $75,870,800 | 3,751 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7816% | 1,473 |
| Cost of funding earning assets | 0.1273% | 5,285 |
| Net interest margin | 4.6543% | 521 |
| Noninterest income to average assets | 0.5365% | 2,640 |
| Noninterest expense to average assets | 3.1898% | 1,545 |
| Loan and lease loss provision to assets | 0.1691% | 1,107 |
| Net operating income to assets | 1.2703% | 1,963 |
| Return on assets (ROA) | 1.2703% | 1,967 |
| Pretax return on assets | 1.5747% | 1,655 |
| Return on Equity (ROE) | 11.5863% | 1,961 |
| Retained earnings to average equity (ytd only) | 11.5863% | 540 |
| Net charge-offs to loans | 0.0243% | 2,643 |
| Credit loss provision to net charge-offs | 1,285.7143% | 314 |
| Earnings coverage of net charge-offs (x) | 132.5442% | 613 |
| Efficiency ratio | 64.6544% | 3,079 |
| Assets per employee ($millions) | 4.2324% | 3,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0982% | 413 |
| Loan loss allowance to noncurrent loans | 189.1041% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5740% | 2,466 |
| Noncurrent loans to loans | 1.1095% | 1,533 |
| Net loans and leases to total assets | 50.6477% | 4,549 |
| Net loans and leases to deposits | 57.2610% | 4,686 |
| Net loans and leases to core deposits | 58.2077% | 4,778 |
| Total domestic deposits to total assets | 88.4505% | 1,067 |
| Equity capital to assets | 11.2535% | 2,426 |
| Core capital (leverage) ratio | 11.6689% | 2,028 |
| Tier 1 risk-based capital ratio | 21.5090% | 1,113 |
| Total risk-based capital ratio | 22.7685% | 1,093 |
| Memoranda: | ||
| Average total assets | $141,908,250 | 3,517 |
| Average earning assets | $134,065,750 | 3,476 |
| Average equity | $15,558,250 | 3,585 |
| Average total loans | $76,747,000 | 3,765 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 1,370 |
| Cost of funding earning assets | 0.1227% | 5,334 |
| Net interest margin | 4.6314% | 517 |
| Noninterest income to average assets | 0.5466% | 2,590 |
| Noninterest expense to average assets | 3.2285% | 1,474 |
| Loan and lease loss provision to assets | 0.1699% | 1,082 |
| Net operating income to assets | 1.2149% | 2,131 |
| Return on assets (ROA) | 1.2149% | 2,127 |
| Pretax return on assets | 1.5321% | 1,702 |
| Return on Equity (ROE) | 11.1818% | 2,042 |
| Retained earnings to average equity (ytd only) | 11.1818% | 636 |
| Net charge-offs to loans | 0.0310% | 2,239 |
| Credit loss provision to net charge-offs | 1,000.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 100.1667% | 695 |
| Efficiency ratio | 65.4796% | 3,064 |
| Assets per employee ($millions) | 4.0265% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 666 |
| Loan loss allowance to noncurrent loans | 182.0823% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 2,477 |
| Noncurrent loans to loans | 1.0289% | 1,712 |
| Net loans and leases to total assets | 55.8977% | 4,174 |
| Net loans and leases to deposits | 63.0809% | 4,346 |
| Net loans and leases to core deposits | 64.0112% | 4,488 |
| Total domestic deposits to total assets | 88.6127% | 1,089 |
| Equity capital to assets | 11.1680% | 2,483 |
| Core capital (leverage) ratio | 11.6134% | 1,976 |
| Tier 1 risk-based capital ratio | 19.2275% | 1,494 |
| Total risk-based capital ratio | 20.4845% | 1,450 |
| Memoranda: | ||
| Average total assets | $141,243,670 | 3,553 |
| Average earning assets | $133,695,670 | 3,502 |
| Average equity | $15,346,330 | 3,637 |
| Average total loans | $77,514,330 | 3,764 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 1,300 |
| Cost of funding earning assets | 0.1135% | 5,415 |
| Net interest margin | 4.5908% | 510 |
| Noninterest income to average assets | 0.5743% | 2,396 |
| Noninterest expense to average assets | 3.1853% | 1,598 |
| Loan and lease loss provision to assets | 0.1697% | 1,046 |
| Net operating income to assets | 1.1655% | 2,156 |
| Return on assets (ROA) | 1.1655% | 2,167 |
| Pretax return on assets | 1.5672% | 1,478 |
| Return on Equity (ROE) | 10.8779% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.8779% | 924 |
| Net charge-offs to loans | 0.0525% | 1,579 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 61.4000% | 833 |
| Efficiency ratio | 64.7126% | 3,369 |
| Assets per employee ($millions) | 3.6737% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8474% | 715 |
| Loan loss allowance to noncurrent loans | 1,011.1888% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 4,570 |
| Noncurrent loans to loans | 0.1827% | 4,147 |
| Net loans and leases to total assets | 55.0344% | 4,206 |
| Net loans and leases to deposits | 61.9651% | 4,344 |
| Net loans and leases to core deposits | 62.8856% | 4,500 |
| Total domestic deposits to total assets | 88.8152% | 1,197 |
| Equity capital to assets | 10.9506% | 2,635 |
| Core capital (leverage) ratio | 11.3021% | 2,166 |
| Tier 1 risk-based capital ratio | 19.1554% | 1,517 |
| Total risk-based capital ratio | 20.4117% | 1,469 |
| Memoranda: | ||
| Average total assets | $141,401,000 | 3,586 |
| Average earning assets | $133,921,000 | 3,534 |
| Average equity | $15,150,000 | 3,686 |
| Average total loans | $76,131,500 | 3,834 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5729% | 1,510 |
| Cost of funding earning assets | 0.1054% | 5,476 |
| Net interest margin | 4.4675% | 671 |
| Noninterest income to average assets | 0.7893% | 1,606 |
| Noninterest expense to average assets | 3.2892% | 1,398 |
| Loan and lease loss provision to assets | 0.1799% | 1,197 |
| Net operating income to assets | 0.9370% | 2,509 |
| Return on assets (ROA) | 0.9370% | 2,551 |
| Pretax return on assets | 1.5472% | 1,462 |
| Return on Equity (ROE) | 8.4004% | 2,604 |
| Retained earnings to average equity (ytd only) | 5.0403% | 2,099 |
| Net charge-offs to loans | 0.0357% | 3,081 |
| Credit loss provision to net charge-offs | 923.0769% | 383 |
| Earnings coverage of net charge-offs (x) | 88.6154% | 706 |
| Efficiency ratio | 65.5708% | 3,330 |
| Assets per employee ($millions) | 3.9778% | 3,998 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 50.6927% | 4,613 |
| Net loans and leases to deposits | 56.7190% | 4,759 |
| Net loans and leases to core deposits | 57.5340% | 4,871 |
| Total domestic deposits to total assets | 89.3751% | 837 |
| Equity capital to assets | 10.4838% | 3,185 |
| Core capital (leverage) ratio | 10.4684% | 2,880 |
| Tier 1 risk-based capital ratio | 19.6870% | 1,382 |
| Total risk-based capital ratio | 20.9442% | 1,346 |
| Memoranda: | ||
| Average total assets | $133,406,400 | 3,693 |
| Average earning assets | $126,222,200 | 3,648 |
| Average equity | $14,880,200 | 3,728 |
| Average total loans | $72,858,400 | 3,900 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,294 |
| Cost of funding earning assets | 0.1046% | 5,543 |
| Net interest margin | 4.5242% | 568 |
| Noninterest income to average assets | 0.8399% | 1,445 |
| Noninterest expense to average assets | 3.2956% | 1,361 |
| Loan and lease loss provision to assets | 0.1833% | 1,079 |
| Net operating income to assets | 1.1291% | 1,958 |
| Return on assets (ROA) | 1.1291% | 2,022 |
| Pretax return on assets | 1.6341% | 1,300 |
| Return on Equity (ROE) | 9.9591% | 2,153 |
| Retained earnings to average equity (ytd only) | 9.9591% | 595 |
| Net charge-offs to loans | 0.0423% | 2,600 |
| Credit loss provision to net charge-offs | 782.6087% | 440 |
| Earnings coverage of net charge-offs (x) | 77.5983% | 826 |
| Efficiency ratio | 64.4564% | 3,456 |
| Assets per employee ($millions) | 4.0596% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8111% | 840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 52.5937% | 4,531 |
| Net loans and leases to deposits | 59.4195% | 4,665 |
| Net loans and leases to core deposits | 60.3136% | 4,801 |
| Total domestic deposits to total assets | 88.5125% | 1,115 |
| Equity capital to assets | 11.1767% | 2,696 |
| Core capital (leverage) ratio | 11.9286% | 1,738 |
| Tier 1 risk-based capital ratio | 19.8369% | 1,400 |
| Total risk-based capital ratio | 21.0923% | 1,360 |
| Memoranda: | ||
| Average total assets | $130,957,500 | 3,772 |
| Average earning assets | $123,686,250 | 3,717 |
| Average equity | $14,847,000 | 3,773 |
| Average total loans | $72,575,750 | 3,936 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 1,318 |
| Cost of funding earning assets | 0.1070% | 5,572 |
| Net interest margin | 4.4655% | 613 |
| Noninterest income to average assets | 0.9580% | 1,117 |
| Noninterest expense to average assets | 3.3841% | 1,204 |
| Loan and lease loss provision to assets | 0.1866% | 1,014 |
| Net operating income to assets | 1.1057% | 1,945 |
| Return on assets (ROA) | 1.1057% | 1,995 |
| Pretax return on assets | 1.6065% | 1,323 |
| Return on Equity (ROE) | 9.7041% | 2,167 |
| Retained earnings to average equity (ytd only) | 9.7041% | 644 |
| Net charge-offs to loans | 0.0666% | 1,971 |
| Credit loss provision to net charge-offs | 500.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 48.0417% | 1,103 |
| Efficiency ratio | 65.3650% | 3,453 |
| Assets per employee ($millions) | 3.5497% | 4,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7083% | 1,046 |
| Loan loss allowance to noncurrent loans | 12,780.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 5,270 |
| Noncurrent loans to loans | 0.0134% | 5,120 |
| Net loans and leases to total assets | 59.1883% | 3,907 |
| Net loans and leases to deposits | 67.5271% | 4,107 |
| Net loans and leases to core deposits | 68.8633% | 4,308 |
| Total domestic deposits to total assets | 87.6512% | 1,639 |
| Equity capital to assets | 12.0960% | 1,867 |
| Core capital (leverage) ratio | 12.0977% | 1,582 |
| Tier 1 risk-based capital ratio | 18.7415% | 1,657 |
| Total risk-based capital ratio | 19.9955% | 1,618 |
| Memoranda: | ||
| Average total assets | $128,600,670 | 3,835 |
| Average earning assets | $121,510,000 | 3,776 |
| Average equity | $14,653,670 | 3,801 |
| Average total loans | $72,123,330 | 3,972 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 1,822 |
| Cost of funding earning assets | 0.1068% | 5,629 |
| Net interest margin | 4.2404% | 905 |
| Noninterest income to average assets | 0.6515% | 2,169 |
| Noninterest expense to average assets | 3.3093% | 1,370 |
| Loan and lease loss provision to assets | 0.1835% | 935 |
| Net operating income to assets | 0.7922% | 3,258 |
| Return on assets (ROA) | 0.7922% | 3,314 |
| Pretax return on assets | 1.1653% | 2,721 |
| Return on Equity (ROE) | 7.1614% | 3,337 |
| Retained earnings to average equity (ytd only) | 7.1614% | 1,802 |
| Net charge-offs to loans | 0.1017% | 1,357 |
| Credit loss provision to net charge-offs | 333.3333% | 732 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,355 |
| Efficiency ratio | 71.0440% | 2,726 |
| Assets per employee ($millions) | 3.4286% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 1,121 |
| Loan loss allowance to noncurrent loans | 571.9626% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 4,578 |
| Noncurrent loans to loans | 0.2989% | 4,045 |
| Net loans and leases to total assets | 55.4675% | 4,207 |
| Net loans and leases to deposits | 62.8265% | 4,381 |
| Net loans and leases to core deposits | 64.0340% | 4,534 |
| Total domestic deposits to total assets | 88.2869% | 1,541 |
| Equity capital to assets | 11.4940% | 2,183 |
| Core capital (leverage) ratio | 11.3788% | 2,041 |
| Tier 1 risk-based capital ratio | 18.6606% | 1,705 |
| Total risk-based capital ratio | 19.9140% | 1,653 |
| Memoranda: | ||
| Average total assets | $130,781,500 | 3,829 |
| Average earning assets | $123,573,000 | 3,786 |
| Average equity | $14,466,500 | 3,853 |
| Average total loans | $70,778,500 | 4,032 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2958% | 2,154 |
| Cost of funding earning assets | 0.1143% | 5,637 |
| Net interest margin | 4.1815% | 1,160 |
| Noninterest income to average assets | 0.6298% | 2,508 |
| Noninterest expense to average assets | 3.1622% | 1,872 |
| Loan and lease loss provision to assets | 0.1793% | 1,338 |
| Net operating income to assets | 0.9331% | 2,659 |
| Return on assets (ROA) | 0.9331% | 2,770 |
| Pretax return on assets | 1.2498% | 2,474 |
| Return on Equity (ROE) | 9.0835% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.0835% | 575 |
| Net charge-offs to loans | 0.1342% | 1,901 |
| Credit loss provision to net charge-offs | 260.8696% | 1,105 |
| Earnings coverage of net charge-offs (x) | 20.7935% | 1,835 |
| Efficiency ratio | 68.8741% | 3,095 |
| Assets per employee ($millions) | 3.8487% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6893% | 1,166 |
| Loan loss allowance to noncurrent loans | 542.2018% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 4,673 |
| Noncurrent loans to loans | 0.3116% | 4,027 |
| Net loans and leases to total assets | 51.0642% | 4,683 |
| Net loans and leases to deposits | 57.2444% | 4,842 |
| Net loans and leases to core deposits | 58.3996% | 4,942 |
| Total domestic deposits to total assets | 89.2038% | 1,009 |
| Equity capital to assets | 10.6544% | 2,975 |
| Core capital (leverage) ratio | 10.4512% | 2,930 |
| Tier 1 risk-based capital ratio | 18.6204% | 1,697 |
| Total risk-based capital ratio | 19.8735% | 1,663 |
| Memoranda: | ||
| Average total assets | $133,861,600 | 3,770 |
| Average earning assets | $126,822,000 | 3,709 |
| Average equity | $13,750,200 | 3,975 |
| Average total loans | $68,566,200 | 4,078 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 2,028 |
| Cost of funding earning assets | 0.1170% | 5,690 |
| Net interest margin | 4.2245% | 1,069 |
| Noninterest income to average assets | 0.6175% | 2,577 |
| Noninterest expense to average assets | 3.1205% | 1,974 |
| Loan and lease loss provision to assets | 0.1796% | 1,238 |
| Net operating income to assets | 0.9866% | 2,493 |
| Return on assets (ROA) | 0.9866% | 2,629 |
| Pretax return on assets | 1.3168% | 2,361 |
| Return on Equity (ROE) | 9.6960% | 2,189 |
| Retained earnings to average equity (ytd only) | 9.6960% | 639 |
| Net charge-offs to loans | 0.1622% | 1,404 |
| Credit loss provision to net charge-offs | 216.8675% | 1,353 |
| Earnings coverage of net charge-offs (x) | 18.0729% | 2,017 |
| Efficiency ratio | 67.5886% | 3,303 |
| Assets per employee ($millions) | 3.9579% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 1,340 |
| Loan loss allowance to noncurrent loans | 518.8073% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 4,802 |
| Noncurrent loans to loans | 0.3167% | 4,117 |
| Net loans and leases to total assets | 48.8757% | 4,903 |
| Net loans and leases to deposits | 54.5941% | 5,078 |
| Net loans and leases to core deposits | 55.7747% | 5,158 |
| Total domestic deposits to total assets | 89.5255% | 660 |
| Equity capital to assets | 10.2161% | 3,896 |
| Core capital (leverage) ratio | 10.3689% | 3,138 |
| Tier 1 risk-based capital ratio | 17.8374% | 1,965 |
| Total risk-based capital ratio | 19.0921% | 1,927 |
| Memoranda: | ||
| Average total assets | $133,650,750 | 3,795 |
| Average earning assets | $126,529,000 | 3,730 |
| Average equity | $13,599,750 | 4,046 |
| Average total loans | $68,215,750 | 4,116 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3073% | 2,133 |
| Cost of funding earning assets | 0.1202% | 5,755 |
| Net interest margin | 4.1871% | 1,147 |
| Noninterest income to average assets | 0.6287% | 2,470 |
| Noninterest expense to average assets | 3.1388% | 1,953 |
| Loan and lease loss provision to assets | 0.1818% | 1,199 |
| Net operating income to assets | 0.8873% | 2,927 |
| Return on assets (ROA) | 0.8862% | 3,051 |
| Pretax return on assets | 1.2634% | 2,551 |
| Return on Equity (ROE) | 8.7211% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.7211% | 931 |
| Net charge-offs to loans | 0.2059% | 1,126 |
| Credit loss provision to net charge-offs | 171.4286% | 1,446 |
| Earnings coverage of net charge-offs (x) | 13.6429% | 2,112 |
| Efficiency ratio | 68.4506% | 3,251 |
| Assets per employee ($millions) | 3.5893% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 1,768 |
| Loan loss allowance to noncurrent loans | 471.3043% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 4,785 |
| Noncurrent loans to loans | 0.3240% | 4,208 |
| Net loans and leases to total assets | 54.1005% | 4,503 |
| Net loans and leases to deposits | 60.7614% | 4,752 |
| Net loans and leases to core deposits | 62.7376% | 4,835 |
| Total domestic deposits to total assets | 89.0377% | 899 |
| Equity capital to assets | 10.6567% | 3,463 |
| Core capital (leverage) ratio | 10.3946% | 3,082 |
| Tier 1 risk-based capital ratio | 16.7828% | 2,320 |
| Total risk-based capital ratio | 18.0365% | 2,267 |
| Memoranda: | ||
| Average total assets | $132,025,330 | 3,847 |
| Average earning assets | $124,764,330 | 3,783 |
| Average equity | $13,415,670 | 4,089 |
| Average total loans | $68,008,670 | 4,149 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 2,698 |
| Cost of funding earning assets | 0.1205% | 5,809 |
| Net interest margin | 4.0167% | 1,566 |
| Noninterest income to average assets | 0.6265% | 2,381 |
| Noninterest expense to average assets | 3.0488% | 2,247 |
| Loan and lease loss provision to assets | 0.1799% | 1,125 |
| Net operating income to assets | 0.8274% | 3,112 |
| Return on assets (ROA) | 0.8274% | 3,239 |
| Pretax return on assets | 1.1961% | 2,716 |
| Return on Equity (ROE) | 8.3393% | 2,744 |
| Retained earnings to average equity (ytd only) | 8.3393% | 1,330 |
| Net charge-offs to loans | 0.2285% | 895 |
| Credit loss provision to net charge-offs | 157.8947% | 1,236 |
| Earnings coverage of net charge-offs (x) | 12.0789% | 1,819 |
| Efficiency ratio | 68.9024% | 3,312 |
| Assets per employee ($millions) | 3.5742% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 1,686 |
| Loan loss allowance to noncurrent loans | 436.3636% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 4,816 |
| Noncurrent loans to loans | 0.3617% | 4,133 |
| Net loans and leases to total assets | 51.1801% | 4,710 |
| Net loans and leases to deposits | 57.3496% | 4,895 |
| Net loans and leases to core deposits | 59.0857% | 4,994 |
| Total domestic deposits to total assets | 89.2423% | 975 |
| Equity capital to assets | 10.4328% | 3,576 |
| Core capital (leverage) ratio | 9.9546% | 3,592 |
| Tier 1 risk-based capital ratio | 17.2334% | 2,198 |
| Total risk-based capital ratio | 18.4879% | 2,168 |
| Memoranda: | ||
| Average total assets | $133,430,500 | 3,850 |
| Average earning assets | $126,172,000 | 3,783 |
| Average equity | $13,238,500 | 4,126 |
| Average total loans | $66,518,000 | 4,206 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8699% | 3,812 |
| Cost of funding earning assets | 0.1196% | 5,880 |
| Net interest margin | 3.7503% | 2,554 |
| Noninterest income to average assets | 0.5779% | 2,845 |
| Noninterest expense to average assets | 2.9649% | 2,661 |
| Loan and lease loss provision to assets | 0.1756% | 1,294 |
| Net operating income to assets | 0.7387% | 3,627 |
| Return on assets (ROA) | 0.7381% | 3,727 |
| Pretax return on assets | 0.9927% | 3,501 |
| Return on Equity (ROE) | 7.9984% | 2,958 |
| Retained earnings to average equity (ytd only) | 7.9984% | 916 |
| Net charge-offs to loans | 0.0490% | 3,220 |
| Credit loss provision to net charge-offs | 774.1935% | 433 |
| Earnings coverage of net charge-offs (x) | 51.5484% | 980 |
| Efficiency ratio | 71.7218% | 2,949 |
| Assets per employee ($millions) | 3.8386% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5637% | 1,741 |
| Loan loss allowance to noncurrent loans | 397.6923% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 4,853 |
| Noncurrent loans to loans | 0.3932% | 4,047 |
| Net loans and leases to total assets | 47.1033% | 5,083 |
| Net loans and leases to deposits | 52.0994% | 5,278 |
| Net loans and leases to core deposits | 53.9900% | 5,319 |
| Total domestic deposits to total assets | 90.4103% | 469 |
| Equity capital to assets | 9.4457% | 4,615 |
| Core capital (leverage) ratio | 9.3622% | 4,380 |
| Tier 1 risk-based capital ratio | 17.5183% | 2,117 |
| Total risk-based capital ratio | 18.7701% | 2,069 |
| Memoranda: | ||
| Average total assets | $136,697,800 | 3,773 |
| Average earning assets | $129,616,200 | 3,708 |
| Average equity | $12,615,000 | 4,205 |
| Average total loans | $63,296,000 | 4,282 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 3,864 |
| Cost of funding earning assets | 0.1197% | 5,980 |
| Net interest margin | 3.7474% | 2,569 |
| Noninterest income to average assets | 0.5457% | 3,073 |
| Noninterest expense to average assets | 2.9145% | 2,800 |
| Loan and lease loss provision to assets | 0.1760% | 1,202 |
| Net operating income to assets | 0.7443% | 3,709 |
| Return on assets (ROA) | 0.7443% | 3,801 |
| Pretax return on assets | 1.0064% | 3,587 |
| Return on Equity (ROE) | 8.1136% | 3,013 |
| Retained earnings to average equity (ytd only) | 8.1136% | 1,205 |
| Net charge-offs to loans | 0.0277% | 3,388 |
| Credit loss provision to net charge-offs | 1,384.6154% | 266 |
| Earnings coverage of net charge-offs (x) | 93.0156% | 661 |
| Efficiency ratio | 71.1387% | 3,020 |
| Assets per employee ($millions) | 4.0456% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 1,967 |
| Loan loss allowance to noncurrent loans | 359.4203% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 4,950 |
| Noncurrent loans to loans | 0.4311% | 4,060 |
| Net loans and leases to total assets | 45.8176% | 5,242 |
| Net loans and leases to deposits | 50.7464% | 5,436 |
| Net loans and leases to core deposits | 52.3808% | 5,486 |
| Total domestic deposits to total assets | 90.2873% | 472 |
| Equity capital to assets | 9.4081% | 4,872 |
| Core capital (leverage) ratio | 9.5670% | 4,213 |
| Tier 1 risk-based capital ratio | 17.6635% | 2,130 |
| Total risk-based capital ratio | 18.9152% | 2,094 |
| Memoranda: | ||
| Average total assets | $136,324,750 | 3,815 |
| Average earning assets | $129,188,750 | 3,751 |
| Average equity | $12,505,500 | 4,265 |
| Average total loans | $62,588,500 | 4,346 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 3,861 |
| Cost of funding earning assets | 0.1211% | 6,038 |
| Net interest margin | 3.7301% | 2,581 |
| Noninterest income to average assets | 0.5400% | 3,107 |
| Noninterest expense to average assets | 2.8753% | 2,973 |
| Loan and lease loss provision to assets | 0.1766% | 1,174 |
| Net operating income to assets | 0.7372% | 3,703 |
| Return on assets (ROA) | 0.7372% | 3,814 |
| Pretax return on assets | 1.0242% | 3,481 |
| Return on Equity (ROE) | 8.1066% | 2,989 |
| Retained earnings to average equity (ytd only) | 8.1066% | 1,220 |
| Net charge-offs to loans | -0.0451% | 5,509 |
| Credit loss provision to net charge-offs | -857.1429% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5415% | 3,251 |
| Assets per employee ($millions) | 3.8301% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 2,357 |
| Loan loss allowance to noncurrent loans | 335.3147% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 5,014 |
| Noncurrent loans to loans | 0.4431% | 4,152 |
| Net loans and leases to total assets | 47.4357% | 5,151 |
| Net loans and leases to deposits | 52.5034% | 5,350 |
| Net loans and leases to core deposits | 53.8224% | 5,429 |
| Total domestic deposits to total assets | 90.3478% | 518 |
| Equity capital to assets | 9.4448% | 4,719 |
| Core capital (leverage) ratio | 9.3361% | 4,507 |
| Tier 1 risk-based capital ratio | 16.8704% | 2,454 |
| Total risk-based capital ratio | 18.1208% | 2,410 |
| Memoranda: | ||
| Average total assets | $135,915,670 | 3,856 |
| Average earning assets | $128,844,000 | 3,778 |
| Average equity | $12,360,330 | 4,314 |
| Average total loans | $62,113,000 | 4,402 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7232% | 4,284 |
| Cost of funding earning assets | 0.1233% | 6,096 |
| Net interest margin | 3.5999% | 3,007 |
| Noninterest income to average assets | 0.5407% | 3,019 |
| Noninterest expense to average assets | 2.8119% | 3,209 |
| Loan and lease loss provision to assets | 0.1754% | 1,107 |
| Net operating income to assets | 0.6431% | 4,071 |
| Return on assets (ROA) | 0.6431% | 4,191 |
| Pretax return on assets | 0.9675% | 3,621 |
| Return on Equity (ROE) | 7.2072% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.2072% | 1,917 |
| Net charge-offs to loans | -0.1511% | 5,980 |
| Credit loss provision to net charge-offs | -260.8696% | 4,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1013% | 3,307 |
| Assets per employee ($millions) | 4.2878% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 2,600 |
| Loan loss allowance to noncurrent loans | 306.0606% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 4,710 |
| Noncurrent loans to loans | 0.4782% | 4,143 |
| Net loans and leases to total assets | 44.6017% | 5,300 |
| Net loans and leases to deposits | 49.1152% | 5,507 |
| Net loans and leases to core deposits | 50.4976% | 5,568 |
| Total domestic deposits to total assets | 90.8104% | 434 |
| Equity capital to assets | 9.0044% | 5,288 |
| Core capital (leverage) ratio | 9.0590% | 4,886 |
| Tier 1 risk-based capital ratio | 16.5716% | 2,654 |
| Total risk-based capital ratio | 17.7941% | 2,609 |
| Memoranda: | ||
| Average total assets | $136,847,000 | 3,863 |
| Average earning assets | $129,781,500 | 3,785 |
| Average equity | $12,210,000 | 4,373 |
| Average total loans | $60,895,500 | 4,467 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 4,019 |
| Cost of funding earning assets | 0.1414% | 6,151 |
| Net interest margin | 3.7889% | 2,665 |
| Noninterest income to average assets | 0.6071% | 2,813 |
| Noninterest expense to average assets | 3.0731% | 2,614 |
| Loan and lease loss provision to assets | 0.1763% | 1,465 |
| Net operating income to assets | 0.6740% | 4,020 |
| Return on assets (ROA) | 0.6854% | 4,085 |
| Pretax return on assets | 0.9424% | 3,723 |
| Return on Equity (ROE) | 7.5348% | 3,357 |
| Retained earnings to average equity (ytd only) | 7.5348% | 1,185 |
| Net charge-offs to loans | 0.2105% | 1,980 |
| Credit loss provision to net charge-offs | 192.3077% | 1,284 |
| Earnings coverage of net charge-offs (x) | 12.0342% | 2,427 |
| Efficiency ratio | 73.5884% | 2,908 |
| Assets per employee ($millions) | 4.1359% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 3,029 |
| Loan loss allowance to noncurrent loans | 242.6471% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 4,648 |
| Noncurrent loans to loans | 0.5697% | 3,960 |
| Net loans and leases to total assets | 43.1252% | 5,526 |
| Net loans and leases to deposits | 47.4084% | 5,718 |
| Net loans and leases to core deposits | 48.7449% | 5,775 |
| Total domestic deposits to total assets | 90.9652% | 380 |
| Equity capital to assets | 8.8399% | 5,437 |
| Core capital (leverage) ratio | 8.8672% | 5,160 |
| Tier 1 risk-based capital ratio | 17.6561% | 2,261 |
| Total risk-based capital ratio | 18.8597% | 2,247 |
| Memoranda: | ||
| Average total assets | $127,656,600 | 4,022 |
| Average earning assets | $120,245,800 | 3,959 |
| Average equity | $11,612,800 | 4,434 |
| Average total loans | $55,582,600 | 4,625 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 3,850 |
| Cost of funding earning assets | 0.1446% | 6,216 |
| Net interest margin | 3.8316% | 2,507 |
| Noninterest income to average assets | 0.6079% | 2,816 |
| Noninterest expense to average assets | 3.0684% | 2,570 |
| Loan and lease loss provision to assets | 0.1754% | 1,402 |
| Net operating income to assets | 0.7310% | 3,781 |
| Return on assets (ROA) | 0.7472% | 3,777 |
| Pretax return on assets | 0.9895% | 3,634 |
| Return on Equity (ROE) | 8.1507% | 3,126 |
| Retained earnings to average equity (ytd only) | 8.1507% | 1,289 |
| Net charge-offs to loans | 0.2615% | 1,490 |
| Credit loss provision to net charge-offs | 154.2056% | 1,544 |
| Earnings coverage of net charge-offs (x) | 10.0563% | 2,590 |
| Efficiency ratio | 72.8489% | 3,030 |
| Assets per employee ($millions) | 4.2235% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 3,601 |
| Loan loss allowance to noncurrent loans | 242.1875% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 4,737 |
| Noncurrent loans to loans | 0.5404% | 4,311 |
| Net loans and leases to total assets | 43.2413% | 5,578 |
| Net loans and leases to deposits | 47.5350% | 5,793 |
| Net loans and leases to core deposits | 48.8891% | 5,843 |
| Total domestic deposits to total assets | 90.9671% | 375 |
| Equity capital to assets | 8.7539% | 5,591 |
| Core capital (leverage) ratio | 9.2314% | 4,735 |
| Tier 1 risk-based capital ratio | 17.4619% | 2,408 |
| Total risk-based capital ratio | 18.5961% | 2,411 |
| Memoranda: | ||
| Average total assets | $125,449,750 | 4,111 |
| Average earning assets | $117,999,250 | 4,037 |
| Average equity | $11,499,750 | 4,487 |
| Average total loans | $54,557,250 | 4,705 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0119% | 3,688 |
| Cost of funding earning assets | 0.1518% | 6,258 |
| Net interest margin | 3.8601% | 2,334 |
| Noninterest income to average assets | 0.6349% | 2,637 |
| Noninterest expense to average assets | 3.1387% | 2,364 |
| Loan and lease loss provision to assets | 0.1718% | 1,429 |
| Net operating income to assets | 0.7069% | 3,801 |
| Return on assets (ROA) | 0.7315% | 3,764 |
| Pretax return on assets | 0.9786% | 3,564 |
| Return on Equity (ROE) | 7.8495% | 3,186 |
| Retained earnings to average equity (ytd only) | 7.8495% | 1,383 |
| Net charge-offs to loans | 0.2151% | 1,736 |
| Credit loss provision to net charge-offs | 184.2105% | 1,251 |
| Earnings coverage of net charge-offs (x) | 11.9825% | 2,097 |
| Efficiency ratio | 73.7409% | 3,021 |
| Assets per employee ($millions) | 3.9088% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 3,851 |
| Loan loss allowance to noncurrent loans | 236.8421% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6165% | 4,123 |
| Noncurrent loans to loans | 0.5489% | 4,368 |
| Net loans and leases to total assets | 47.9360% | 5,176 |
| Net loans and leases to deposits | 53.1277% | 5,410 |
| Net loans and leases to core deposits | 54.8344% | 5,500 |
| Total domestic deposits to total assets | 90.2279% | 699 |
| Equity capital to assets | 9.5897% | 4,641 |
| Core capital (leverage) ratio | 9.7881% | 3,903 |
| Tier 1 risk-based capital ratio | 17.4368% | 2,447 |
| Total risk-based capital ratio | 18.5794% | 2,451 |
| Memoranda: | ||
| Average total assets | $122,216,000 | 4,190 |
| Average earning assets | $114,660,000 | 4,133 |
| Average equity | $11,389,330 | 4,521 |
| Average total loans | $53,004,330 | 4,793 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 4,198 |
| Cost of funding earning assets | 0.1530% | 6,339 |
| Net interest margin | 3.7215% | 2,778 |
| Noninterest income to average assets | 0.6225% | 2,608 |
| Noninterest expense to average assets | 3.0471% | 2,704 |
| Loan and lease loss provision to assets | 0.1467% | 1,656 |
| Net operating income to assets | 0.6952% | 3,716 |
| Return on assets (ROA) | 0.7398% | 3,565 |
| Pretax return on assets | 0.9744% | 3,427 |
| Return on Equity (ROE) | 8.0539% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.0539% | 1,574 |
| Net charge-offs to loans | 0.2396% | 1,360 |
| Credit loss provision to net charge-offs | 150.0000% | 1,254 |
| Earnings coverage of net charge-offs (x) | 10.8667% | 1,825 |
| Efficiency ratio | 74.1475% | 3,112 |
| Assets per employee ($millions) | 4.0352% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 3,705 |
| Loan loss allowance to noncurrent loans | 97.8610% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7947% | 3,754 |
| Noncurrent loans to loans | 1.4079% | 2,674 |
| Net loans and leases to total assets | 43.2824% | 5,571 |
| Net loans and leases to deposits | 47.8284% | 5,742 |
| Net loans and leases to core deposits | 49.3608% | 5,802 |
| Total domestic deposits to total assets | 90.4953% | 802 |
| Equity capital to assets | 9.3758% | 4,657 |
| Core capital (leverage) ratio | 9.4335% | 4,371 |
| Tier 1 risk-based capital ratio | 18.0367% | 2,278 |
| Total risk-based capital ratio | 19.1893% | 2,300 |
| Memoranda: | ||
| Average total assets | $122,738,000 | 4,219 |
| Average earning assets | $115,006,500 | 4,159 |
| Average equity | $11,274,000 | 4,554 |
| Average total loans | $50,081,500 | 4,930 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4459% | 5,744 |
| Cost of funding earning assets | 0.2845% | 5,721 |
| Net interest margin | 3.1614% | 5,123 |
| Noninterest income to average assets | 0.5959% | 3,116 |
| Noninterest expense to average assets | 2.8566% | 3,510 |
| Loan and lease loss provision to assets | 0.1438% | 2,506 |
| Net operating income to assets | 0.4566% | 4,924 |
| Return on assets (ROA) | 0.4785% | 4,969 |
| Pretax return on assets | 0.5775% | 4,944 |
| Return on Equity (ROE) | 5.4479% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.4479% | 2,315 |
| Net charge-offs to loans | 0.3671% | 1,848 |
| Credit loss provision to net charge-offs | 104.6512% | 2,310 |
| Earnings coverage of net charge-offs (x) | 5.0581% | 3,396 |
| Efficiency ratio | 80.4318% | 2,082 |
| Assets per employee ($millions) | 4.0135% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 3,074 |
| Loan loss allowance to noncurrent loans | 127.5801% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 4,369 |
| Noncurrent loans to loans | 1.1949% | 3,154 |
| Net loans and leases to total assets | 37.2271% | 6,143 |
| Net loans and leases to deposits | 40.9578% | 6,273 |
| Net loans and leases to core deposits | 41.4690% | 6,322 |
| Total domestic deposits to total assets | 90.8913% | 616 |
| Equity capital to assets | 9.0002% | 5,034 |
| Core capital (leverage) ratio | 8.7260% | 5,385 |
| Tier 1 risk-based capital ratio | 18.5968% | 2,054 |
| Total risk-based capital ratio | 19.7827% | 2,034 |
| Memoranda: | ||
| Average total assets | $125,185,800 | 4,158 |
| Average earning assets | $117,038,200 | 4,108 |
| Average equity | $10,995,000 | 4,635 |
| Average total loans | $46,859,600 | 5,075 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4268% | 5,824 |
| Cost of funding earning assets | 0.2993% | 5,746 |
| Net interest margin | 3.1275% | 5,241 |
| Noninterest income to average assets | 0.5700% | 3,333 |
| Noninterest expense to average assets | 2.7873% | 3,705 |
| Loan and lease loss provision to assets | 0.1436% | 2,487 |
| Net operating income to assets | 0.4544% | 5,012 |
| Return on assets (ROA) | 0.4828% | 5,034 |
| Pretax return on assets | 0.5966% | 5,020 |
| Return on Equity (ROE) | 5.5309% | 4,454 |
| Retained earnings to average equity (ytd only) | 5.5309% | 2,709 |
| Net charge-offs to loans | 0.2563% | 2,277 |
| Credit loss provision to net charge-offs | 150.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | 7.3665% | 2,809 |
| Efficiency ratio | 79.8112% | 2,129 |
| Assets per employee ($millions) | 4.4596% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5637% | 3,169 |
| Loan loss allowance to noncurrent loans | 92.4020% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 4,392 |
| Noncurrent loans to loans | 1.6923% | 2,656 |
| Net loans and leases to total assets | 36.7008% | 6,244 |
| Net loans and leases to deposits | 40.1377% | 6,381 |
| Net loans and leases to core deposits | 40.6165% | 6,430 |
| Total domestic deposits to total assets | 91.4372% | 382 |
| Equity capital to assets | 8.3563% | 5,870 |
| Core capital (leverage) ratio | 8.8314% | 5,359 |
| Tier 1 risk-based capital ratio | 17.7975% | 2,403 |
| Total risk-based capital ratio | 19.0085% | 2,386 |
| Memoranda: | ||
| Average total assets | $125,377,250 | 4,198 |
| Average earning assets | $117,151,750 | 4,145 |
| Average equity | $10,944,250 | 4,697 |
| Average total loans | $46,815,750 | 5,123 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4145% | 5,874 |
| Cost of funding earning assets | 0.3059% | 5,787 |
| Net interest margin | 3.1087% | 5,246 |
| Noninterest income to average assets | 0.5739% | 3,357 |
| Noninterest expense to average assets | 2.8099% | 3,641 |
| Loan and lease loss provision to assets | 0.1451% | 2,526 |
| Net operating income to assets | 0.4341% | 5,089 |
| Return on assets (ROA) | 0.4788% | 5,069 |
| Pretax return on assets | 0.5723% | 5,124 |
| Return on Equity (ROE) | 5.4049% | 4,513 |
| Retained earnings to average equity (ytd only) | 5.4049% | 2,808 |
| Net charge-offs to loans | 0.3021% | 1,977 |
| Credit loss provision to net charge-offs | 128.5714% | 1,760 |
| Earnings coverage of net charge-offs (x) | 5.8857% | 2,813 |
| Efficiency ratio | 80.8817% | 2,040 |
| Assets per employee ($millions) | 4.3588% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 3,671 |
| Loan loss allowance to noncurrent loans | 84.8661% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.9521% | 3,881 |
| Noncurrent loans to loans | 1.7447% | 2,705 |
| Net loans and leases to total assets | 39.7432% | 6,065 |
| Net loans and leases to deposits | 43.7518% | 6,243 |
| Net loans and leases to core deposits | 44.3077% | 6,320 |
| Total domestic deposits to total assets | 90.8379% | 605 |
| Equity capital to assets | 8.9876% | 5,234 |
| Core capital (leverage) ratio | 8.8976% | 5,147 |
| Tier 1 risk-based capital ratio | 17.9101% | 2,343 |
| Total risk-based capital ratio | 19.1052% | 2,336 |
| Memoranda: | ||
| Average total assets | $124,060,670 | 4,256 |
| Average earning assets | $115,740,330 | 4,208 |
| Average equity | $10,990,000 | 4,724 |
| Average total loans | $46,348,330 | 5,166 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4034% | 5,934 |
| Cost of funding earning assets | 0.3119% | 5,874 |
| Net interest margin | 3.0915% | 5,291 |
| Noninterest income to average assets | 0.5341% | 3,541 |
| Noninterest expense to average assets | 2.7409% | 3,915 |
| Loan and lease loss provision to assets | 0.1439% | 2,441 |
| Net operating income to assets | 0.4126% | 5,081 |
| Return on assets (ROA) | 0.4126% | 5,231 |
| Pretax return on assets | 0.5341% | 5,163 |
| Return on Equity (ROE) | 4.6907% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.6907% | 3,424 |
| Net charge-offs to loans | 0.0534% | 3,292 |
| Credit loss provision to net charge-offs | 750.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 35.3333% | 870 |
| Efficiency ratio | 80.1684% | 2,317 |
| Assets per employee ($millions) | 4.4135% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6381% | 3,246 |
| Loan loss allowance to noncurrent loans | 78.9030% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.2696% | 3,440 |
| Noncurrent loans to loans | 2.0761% | 2,535 |
| Net loans and leases to total assets | 36.3452% | 6,271 |
| Net loans and leases to deposits | 39.9521% | 6,420 |
| Net loans and leases to core deposits | 40.8433% | 6,448 |
| Total domestic deposits to total assets | 90.9718% | 534 |
| Equity capital to assets | 8.9109% | 5,602 |
| Core capital (leverage) ratio | 8.6355% | 5,410 |
| Tier 1 risk-based capital ratio | 18.1036% | 2,318 |
| Total risk-based capital ratio | 19.3541% | 2,286 |
| Memoranda: | ||
| Average total assets | $125,068,000 | 4,281 |
| Average earning assets | $116,706,500 | 4,224 |
| Average equity | $11,000,500 | 4,768 |
| Average total loans | $44,905,500 | 5,254 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4818% | 6,376 |
| Cost of funding earning assets | 0.4120% | 5,836 |
| Net interest margin | 3.0699% | 5,885 |
| Noninterest income to average assets | 0.4144% | 4,498 |
| Noninterest expense to average assets | 2.8621% | 3,801 |
| Loan and lease loss provision to assets | 0.1720% | 3,470 |
| Net operating income to assets | 0.1797% | 5,828 |
| Return on assets (ROA) | 0.2542% | 5,826 |
| Pretax return on assets | 0.3079% | 5,807 |
| Return on Equity (ROE) | 3.0980% | 5,517 |
| Retained earnings to average equity (ytd only) | 3.0980% | 4,052 |
| Net charge-offs to loans | 0.0963% | 4,701 |
| Credit loss provision to net charge-offs | 512.5000% | 474 |
| Earnings coverage of net charge-offs (x) | 11.6250% | 2,008 |
| Efficiency ratio | 88.0062% | 1,242 |
| Assets per employee ($millions) | 4.2186% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 3,281 |
| Loan loss allowance to noncurrent loans | 94.7861% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.9672% | 4,090 |
| Noncurrent loans to loans | 1.6943% | 3,080 |
| Net loans and leases to total assets | 34.3237% | 6,532 |
| Net loans and leases to deposits | 37.6317% | 6,645 |
| Net loans and leases to core deposits | 38.4464% | 6,657 |
| Total domestic deposits to total assets | 91.2095% | 426 |
| Equity capital to assets | 8.6830% | 5,865 |
| Core capital (leverage) ratio | 8.2800% | 5,908 |
| Tier 1 risk-based capital ratio | 18.0813% | 2,233 |
| Total risk-based capital ratio | 19.3086% | 2,213 |
| Memoranda: | ||
| Average total assets | $119,211,600 | 4,375 |
| Average earning assets | $110,200,200 | 4,334 |
| Average equity | $9,780,600 | 5,030 |
| Average total loans | $41,518,200 | 5,440 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 6,478 |
| Cost of funding earning assets | 0.4326% | 5,923 |
| Net interest margin | 3.0947% | 5,953 |
| Noninterest income to average assets | 0.4237% | 4,454 |
| Noninterest expense to average assets | 2.8535% | 3,780 |
| Loan and lease loss provision to assets | 0.1818% | 3,323 |
| Net operating income to assets | 0.2681% | 5,723 |
| Return on assets (ROA) | 0.3896% | 5,504 |
| Pretax return on assets | 0.3624% | 5,809 |
| Return on Equity (ROE) | 4.8248% | 4,906 |
| Retained earnings to average equity (ytd only) | 4.8248% | 3,489 |
| Net charge-offs to loans | 0.1305% | 4,074 |
| Credit loss provision to net charge-offs | 400.0000% | 672 |
| Earnings coverage of net charge-offs (x) | 9.3004% | 2,340 |
| Efficiency ratio | 87.1012% | 1,292 |
| Assets per employee ($millions) | 4.1930% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 4,032 |
| Loan loss allowance to noncurrent loans | 86.1219% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.8872% | 4,512 |
| Noncurrent loans to loans | 1.7181% | 3,210 |
| Net loans and leases to total assets | 35.1472% | 6,605 |
| Net loans and leases to deposits | 38.6138% | 6,735 |
| Net loans and leases to core deposits | 39.4567% | 6,764 |
| Total domestic deposits to total assets | 91.0224% | 407 |
| Equity capital to assets | 8.7415% | 6,075 |
| Core capital (leverage) ratio | 8.6914% | 5,487 |
| Tier 1 risk-based capital ratio | 18.8441% | 2,056 |
| Total risk-based capital ratio | 20.0448% | 2,042 |
| Memoranda: | ||
| Average total assets | $117,375,250 | 4,457 |
| Average earning assets | $108,183,750 | 4,431 |
| Average equity | $9,478,500 | 5,158 |
| Average total loans | $40,860,750 | 5,531 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5199% | 6,582 |
| Cost of funding earning assets | 0.4626% | 5,888 |
| Net interest margin | 3.0573% | 6,112 |
| Noninterest income to average assets | 0.4329% | 4,416 |
| Noninterest expense to average assets | 2.8978% | 3,626 |
| Loan and lease loss provision to assets | 0.2008% | 3,071 |
| Net operating income to assets | 0.1885% | 5,952 |
| Return on assets (ROA) | 0.3753% | 5,552 |
| Pretax return on assets | 0.3247% | 5,910 |
| Return on Equity (ROE) | 4.7923% | 4,908 |
| Retained earnings to average equity (ytd only) | 4.7923% | 3,417 |
| Net charge-offs to loans | 0.1518% | 3,700 |
| Credit loss provision to net charge-offs | 383.3333% | 779 |
| Earnings coverage of net charge-offs (x) | 6.4667% | 2,634 |
| Efficiency ratio | 89.5361% | 1,110 |
| Assets per employee ($millions) | 3.4379% | 5,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 4,300 |
| Loan loss allowance to noncurrent loans | 129.4239% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7325% | 4,958 |
| Noncurrent loans to loans | 1.1110% | 4,301 |
| Net loans and leases to total assets | 38.0044% | 6,478 |
| Net loans and leases to deposits | 42.0944% | 6,643 |
| Net loans and leases to core deposits | 43.1212% | 6,691 |
| Total domestic deposits to total assets | 90.2838% | 774 |
| Equity capital to assets | 9.5099% | 5,044 |
| Core capital (leverage) ratio | 9.4838% | 4,161 |
| Tier 1 risk-based capital ratio | 18.9893% | 1,970 |
| Total risk-based capital ratio | 20.1356% | 1,980 |
| Memoranda: | ||
| Average total assets | $114,570,000 | 4,544 |
| Average earning assets | $105,059,670 | 4,535 |
| Average equity | $8,972,670 | 5,274 |
| Average total loans | $39,522,330 | 5,627 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4449% | 6,761 |
| Cost of funding earning assets | 0.4981% | 5,833 |
| Net interest margin | 2.9468% | 6,397 |
| Noninterest income to average assets | 0.4447% | 4,326 |
| Noninterest expense to average assets | 2.7343% | 4,300 |
| Loan and lease loss provision to assets | 0.1216% | 3,823 |
| Net operating income to assets | 0.3266% | 5,565 |
| Return on assets (ROA) | 0.3995% | 5,444 |
| Pretax return on assets | 0.3544% | 5,845 |
| Return on Equity (ROE) | 5.7040% | 4,456 |
| Retained earnings to average equity (ytd only) | 5.7040% | 3,144 |
| Net charge-offs to loans | 0.1925% | 2,957 |
| Credit loss provision to net charge-offs | 194.4444% | 1,367 |
| Earnings coverage of net charge-offs (x) | 6.4444% | 2,209 |
| Efficiency ratio | 87.1539% | 1,366 |
| Assets per employee ($millions) | 3.4589% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 4,386 |
| Loan loss allowance to noncurrent loans | 105.8491% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.4710% | 3,660 |
| Noncurrent loans to loans | 1.3680% | 4,064 |
| Net loans and leases to total assets | 33.4510% | 6,765 |
| Net loans and leases to deposits | 36.0858% | 6,887 |
| Net loans and leases to core deposits | 37.0386% | 6,907 |
| Total domestic deposits to total assets | 92.6986% | 164 |
| Equity capital to assets | 7.1349% | 6,897 |
| Core capital (leverage) ratio | 6.7311% | 6,924 |
| Tier 1 risk-based capital ratio | 14.4095% | 4,172 |
| Total risk-based capital ratio | 15.4529% | 4,292 |
| Memoranda: | ||
| Average total assets | $115,130,000 | 4,559 |
| Average earning assets | $105,199,000 | 4,565 |
| Average equity | $8,064,500 | 5,576 |
| Average total loans | $37,411,000 | 5,761 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4651% | 7,011 |
| Cost of funding earning assets | 0.7688% | 5,069 |
| Net interest margin | 2.6963% | 6,926 |
| Noninterest income to average assets | 0.4528% | 4,193 |
| Noninterest expense to average assets | 2.9003% | 3,957 |
| Loan and lease loss provision to assets | 0.5295% | 1,978 |
| Net operating income to assets | -0.1181% | 6,181 |
| Return on assets (ROA) | -0.0812% | 6,224 |
| Pretax return on assets | -0.4510% | 6,451 |
| Return on Equity (ROE) | -1.1501% | 6,260 |
| Retained earnings to average equity (ytd only) | -1.1501% | 6,033 |
| Net charge-offs to loans | 1.6514% | 944 |
| Credit loss provision to net charge-offs | 104.3165% | 3,294 |
| Earnings coverage of net charge-offs (x) | 0.0414% | 5,789 |
| Efficiency ratio | 99.2813% | 700 |
| Assets per employee ($millions) | 3.5187% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 3,985 |
| Loan loss allowance to noncurrent loans | 94.6087% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.4847% | 3,723 |
| Noncurrent loans to loans | 1.5937% | 3,769 |
| Net loans and leases to total assets | 30.6028% | 6,990 |
| Net loans and leases to deposits | 32.9247% | 7,073 |
| Net loans and leases to core deposits | 33.9333% | 7,080 |
| Total domestic deposits to total assets | 92.9476% | 137 |
| Equity capital to assets | 6.8767% | 6,991 |
| Core capital (leverage) ratio | 6.2801% | 7,016 |
| Tier 1 risk-based capital ratio | 15.3765% | 3,402 |
| Total risk-based capital ratio | 16.4841% | 3,450 |
| Memoranda: | ||
| Average total assets | $109,541,600 | 4,652 |
| Average earning assets | $100,285,000 | 4,636 |
| Average equity | $7,738,600 | 5,651 |
| Average total loans | $33,667,600 | 5,969 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4937% | 7,084 |
| Cost of funding earning assets | 0.8279% | 4,963 |
| Net interest margin | 2.6658% | 7,019 |
| Noninterest income to average assets | 0.4757% | 4,077 |
| Noninterest expense to average assets | 2.9200% | 3,837 |
| Loan and lease loss provision to assets | 0.6179% | 1,593 |
| Net operating income to assets | -0.2265% | 6,412 |
| Return on assets (ROA) | -0.1767% | 6,441 |
| Pretax return on assets | -0.5412% | 6,644 |
| Return on Equity (ROE) | -2.4835% | 6,526 |
| Retained earnings to average equity (ytd only) | -2.4835% | 6,361 |
| Net charge-offs to loans | 0.3629% | 3,272 |
| Credit loss provision to net charge-offs | 555.5556% | 497 |
| Earnings coverage of net charge-offs (x) | -0.0111% | 5,611 |
| Efficiency ratio | 100.0423% | 656 |
| Assets per employee ($millions) | 3.6427% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5887% | 1,280 |
| Loan loss allowance to noncurrent loans | 49.8660% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 1.6871% | 3,554 |
| Noncurrent loans to loans | 5.1914% | 1,177 |
| Net loans and leases to total assets | 29.1118% | 7,114 |
| Net loans and leases to deposits | 31.2726% | 7,186 |
| Net loans and leases to core deposits | 32.1947% | 7,198 |
| Total domestic deposits to total assets | 93.0904% | 128 |
| Equity capital to assets | 6.6226% | 7,117 |
| Core capital (leverage) ratio | 6.8075% | 7,006 |
| Tier 1 risk-based capital ratio | 16.8440% | 2,697 |
| Total risk-based capital ratio | 18.1039% | 2,668 |
| Memoranda: | ||
| Average total assets | $107,897,750 | 4,719 |
| Average earning assets | $98,880,250 | 4,695 |
| Average equity | $7,677,000 | 5,697 |
| Average total loans | $33,064,750 | 6,068 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5729% | 7,117 |
| Cost of funding earning assets | 0.9169% | 4,535 |
| Net interest margin | 2.6559% | 7,073 |
| Noninterest income to average assets | 0.5337% | 3,608 |
| Noninterest expense to average assets | 3.0233% | 3,551 |
| Loan and lease loss provision to assets | 0.1542% | 4,388 |
| Net operating income to assets | 0.0406% | 6,145 |
| Return on assets (ROA) | 0.0751% | 6,150 |
| Pretax return on assets | -0.1619% | 6,424 |
| Return on Equity (ROE) | 1.0287% | 6,078 |
| Retained earnings to average equity (ytd only) | 1.0287% | 5,449 |
| Net charge-offs to loans | 0.5917% | 2,340 |
| Credit loss provision to net charge-offs | 84.2105% | 3,640 |
| Earnings coverage of net charge-offs (x) | -0.3368% | 5,469 |
| Efficiency ratio | 102.0820% | 660 |
| Assets per employee ($millions) | 3.1766% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 4,325 |
| Loan loss allowance to noncurrent loans | 102.4341% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6258% | 5,671 |
| Noncurrent loans to loans | 1.4188% | 4,294 |
| Net loans and leases to total assets | 32.6662% | 7,089 |
| Net loans and leases to deposits | 35.5052% | 7,184 |
| Net loans and leases to core deposits | 37.0551% | 7,194 |
| Total domestic deposits to total assets | 92.0040% | 231 |
| Equity capital to assets | 7.7060% | 6,853 |
| Core capital (leverage) ratio | 7.4855% | 6,750 |
| Tier 1 risk-based capital ratio | 16.1506% | 2,902 |
| Total risk-based capital ratio | 17.1800% | 2,986 |
| Memoranda: | ||
| Average total assets | $103,794,000 | 4,859 |
| Average earning assets | $94,882,000 | 4,852 |
| Average equity | $7,582,330 | 5,736 |
| Average total loans | $32,111,330 | 6,189 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5140% | 7,203 |
| Cost of funding earning assets | 0.9695% | 4,426 |
| Net interest margin | 2.5445% | 7,167 |
| Noninterest income to average assets | 0.5616% | 3,422 |
| Noninterest expense to average assets | 2.9823% | 3,717 |
| Loan and lease loss provision to assets | 0.1937% | 3,693 |
| Net operating income to assets | -0.0697% | 6,425 |
| Return on assets (ROA) | -0.0697% | 6,444 |
| Pretax return on assets | -0.2866% | 6,612 |
| Return on Equity (ROE) | -0.9817% | 6,482 |
| Retained earnings to average equity (ytd only) | -0.9817% | 5,982 |
| Net charge-offs to loans | 1.1691% | 1,189 |
| Credit loss provision to net charge-offs | 55.5556% | 3,635 |
| Earnings coverage of net charge-offs (x) | -0.2667% | 4,724 |
| Efficiency ratio | 103.2172% | 646 |
| Assets per employee ($millions) | 3.3925% | 5,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 4,069 |
| Loan loss allowance to noncurrent loans | 93.2039% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 5,670 |
| Noncurrent loans to loans | 1.6386% | 4,024 |
| Net loans and leases to total assets | 29.4282% | 7,245 |
| Net loans and leases to deposits | 31.7836% | 7,328 |
| Net loans and leases to core deposits | 33.1534% | 7,323 |
| Total domestic deposits to total assets | 92.5890% | 173 |
| Equity capital to assets | 7.2094% | 7,006 |
| Core capital (leverage) ratio | 7.6297% | 6,624 |
| Tier 1 risk-based capital ratio | 16.6511% | 2,601 |
| Total risk-based capital ratio | 17.6674% | 2,673 |
| Memoranda: | ||
| Average total assets | $103,277,500 | 4,910 |
| Average earning assets | $94,480,000 | 4,901 |
| Average equity | $7,334,500 | 5,831 |
| Average total loans | $30,793,000 | 6,301 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 6,520 |
| Cost of funding earning assets | 1.1346% | 4,937 |
| Net interest margin | 3.3139% | 5,940 |
| Noninterest income to average assets | 0.5511% | 3,814 |
| Noninterest expense to average assets | 2.9761% | 3,941 |
| Loan and lease loss provision to assets | 1.1449% | 1,390 |
| Net operating income to assets | -0.2482% | 6,158 |
| Return on assets (ROA) | 0.1019% | 5,723 |
| Pretax return on assets | -0.0707% | 5,974 |
| Return on Equity (ROE) | 1.3382% | 5,608 |
| Retained earnings to average equity (ytd only) | 1.3382% | 4,874 |
| Net charge-offs to loans | 2.2639% | 852 |
| Credit loss provision to net charge-offs | 161.6740% | 2,153 |
| Earnings coverage of net charge-offs (x) | 0.7445% | 5,374 |
| Efficiency ratio | 84.9510% | 1,807 |
| Assets per employee ($millions) | 3.2705% | 5,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7243% | 3,121 |
| Loan loss allowance to noncurrent loans | 105.6911% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.4853% | 6,062 |
| Noncurrent loans to loans | 1.6315% | 4,057 |
| Net loans and leases to total assets | 29.2316% | 7,373 |
| Net loans and leases to deposits | 31.5026% | 7,436 |
| Net loans and leases to core deposits | 32.6694% | 7,442 |
| Total domestic deposits to total assets | 92.7910% | 157 |
| Equity capital to assets | 6.9900% | 7,114 |
| Core capital (leverage) ratio | 6.9803% | 7,036 |
| Tier 1 risk-based capital ratio | 16.0834% | 2,710 |
| Total risk-based capital ratio | 17.2012% | 2,730 |
| Memoranda: | ||
| Average total assets | $96,167,600 | 5,099 |
| Average earning assets | $85,669,400 | 5,154 |
| Average equity | $7,323,000 | 5,927 |
| Average total loans | $30,081,400 | 6,394 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7488% | 5,859 |
| Cost of funding earning assets | 1.1657% | 5,056 |
| Net interest margin | 3.5830% | 4,952 |
| Noninterest income to average assets | 0.5678% | 3,671 |
| Noninterest expense to average assets | 3.1005% | 3,335 |
| Loan and lease loss provision to assets | 1.5475% | 852 |
| Net operating income to assets | -0.6012% | 6,662 |
| Return on assets (ROA) | -0.2460% | 6,426 |
| Pretax return on assets | -0.3711% | 6,466 |
| Return on Equity (ROE) | -3.1608% | 6,507 |
| Retained earnings to average equity (ytd only) | -3.1608% | 6,372 |
| Net charge-offs to loans | 2.8873% | 553 |
| Credit loss provision to net charge-offs | 169.1244% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.6974% | 5,353 |
| Efficiency ratio | 82.9323% | 1,957 |
| Assets per employee ($millions) | 3.5115% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9020% | 2,479 |
| Loan loss allowance to noncurrent loans | 116.7728% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 6,340 |
| Noncurrent loans to loans | 1.6288% | 4,205 |
| Net loans and leases to total assets | 26.0594% | 7,540 |
| Net loans and leases to deposits | 28.0536% | 7,593 |
| Net loans and leases to core deposits | 28.6976% | 7,594 |
| Total domestic deposits to total assets | 92.8915% | 106 |
| Equity capital to assets | 6.7521% | 7,390 |
| Core capital (leverage) ratio | 7.4817% | 6,858 |
| Tier 1 risk-based capital ratio | 15.9006% | 2,808 |
| Total risk-based capital ratio | 17.1137% | 2,776 |
| Memoranda: | ||
| Average total assets | $94,862,750 | 5,196 |
| Average earning assets | $83,949,500 | 5,273 |
| Average equity | $7,382,000 | 5,992 |
| Average total loans | $30,062,500 | 6,474 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3110% | 3,416 |
| Cost of funding earning assets | 1.2494% | 4,835 |
| Net interest margin | 4.0617% | 2,741 |
| Noninterest income to average assets | 0.5987% | 3,341 |
| Noninterest expense to average assets | 3.2617% | 2,690 |
| Loan and lease loss provision to assets | 1.6519% | 781 |
| Net operating income to assets | -0.3010% | 6,474 |
| Return on assets (ROA) | 0.0310% | 6,133 |
| Pretax return on assets | -0.2639% | 6,387 |
| Return on Equity (ROE) | 0.3788% | 6,114 |
| Retained earnings to average equity (ytd only) | 0.3788% | 5,613 |
| Net charge-offs to loans | 2.4832% | 696 |
| Credit loss provision to net charge-offs | 197.0899% | 2,005 |
| Earnings coverage of net charge-offs (x) | 1.0370% | 4,750 |
| Efficiency ratio | 78.9587% | 2,579 |
| Assets per employee ($millions) | 3.1216% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 4,067 |
| Loan loss allowance to noncurrent loans | 7,783.3333% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 7,405 |
| Noncurrent loans to loans | 0.0189% | 7,281 |
| Net loans and leases to total assets | 34.5709% | 7,399 |
| Net loans and leases to deposits | 37.8840% | 7,497 |
| Net loans and leases to core deposits | 38.9457% | 7,511 |
| Total domestic deposits to total assets | 91.2545% | 399 |
| Equity capital to assets | 8.4207% | 6,266 |
| Core capital (leverage) ratio | 8.2608% | 5,839 |
| Tier 1 risk-based capital ratio | 15.6733% | 2,816 |
| Total risk-based capital ratio | 16.6628% | 2,909 |
| Memoranda: | ||
| Average total assets | $90,198,670 | 5,380 |
| Average earning assets | $78,440,330 | 5,494 |
| Average equity | $7,392,670 | 6,000 |
| Average total loans | $30,444,330 | 6,505 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5227% | 2,482 |
| Cost of funding earning assets | 1.2497% | 5,116 |
| Net interest margin | 4.2730% | 1,771 |
| Noninterest income to average assets | 0.6220% | 3,134 |
| Noninterest expense to average assets | 3.2165% | 2,794 |
| Loan and lease loss provision to assets | 3.2432% | 297 |
| Net operating income to assets | -1.2768% | 7,246 |
| Return on assets (ROA) | -1.2484% | 7,254 |
| Pretax return on assets | -2.1325% | 7,442 |
| Return on Equity (ROE) | -15.4449% | 7,328 |
| Retained earnings to average equity (ytd only) | -15.4449% | 7,229 |
| Net charge-offs to loans | 4.9555% | 245 |
| Credit loss provision to net charge-offs | 197.8320% | 1,875 |
| Earnings coverage of net charge-offs (x) | 0.6504% | 4,444 |
| Efficiency ratio | 75.1037% | 3,383 |
| Assets per employee ($millions) | 3.1547% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 3,851 |
| Loan loss allowance to noncurrent loans | 3,841.6667% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 7,461 |
| Noncurrent loans to loans | 0.0393% | 7,311 |
| Net loans and leases to total assets | 34.0118% | 7,495 |
| Net loans and leases to deposits | 37.1309% | 7,598 |
| Net loans and leases to core deposits | 38.1896% | 7,619 |
| Total domestic deposits to total assets | 91.5998% | 347 |
| Equity capital to assets | 8.1704% | 6,470 |
| Core capital (leverage) ratio | 7.9532% | 6,308 |
| Tier 1 risk-based capital ratio | 15.1881% | 3,015 |
| Total risk-based capital ratio | 16.1738% | 3,106 |
| Memoranda: | ||
| Average total assets | $90,034,500 | 5,453 |
| Average earning assets | $77,136,000 | 5,595 |
| Average equity | $7,277,500 | 6,090 |
| Average total loans | $29,785,000 | 6,617 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 4,361 |
| Cost of funding earning assets | 1.3486% | 6,147 |
| Net interest margin | 4.1157% | 2,385 |
| Noninterest income to average assets | 0.5601% | 3,945 |
| Noninterest expense to average assets | 3.3190% | 2,954 |
| Loan and lease loss provision to assets | 0.4304% | 4,248 |
| Net operating income to assets | 0.2493% | 4,722 |
| Return on assets (ROA) | 0.4717% | 3,962 |
| Pretax return on assets | 0.4981% | 4,192 |
| Return on Equity (ROE) | 5.5759% | 3,388 |
| Retained earnings to average equity (ytd only) | 3.3238% | 2,845 |
| Net charge-offs to loans | 1.8068% | 1,382 |
| Credit loss provision to net charge-offs | 80.4721% | 6,269 |
| Earnings coverage of net charge-offs (x) | 1.2983% | 4,827 |
| Efficiency ratio | 82.6995% | 2,518 |
| Assets per employee ($millions) | 3.0579% | 6,073 |
| Cash dividends to net income (ytd only)* | 40.3893% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3440% | 7,797 |
| Loan loss allowance to noncurrent loans | 217.3913% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 7,378 |
| Noncurrent loans to loans | 0.1583% | 7,032 |
| Net loans and leases to total assets | 31.5747% | 7,674 |
| Net loans and leases to deposits | 34.3961% | 7,756 |
| Net loans and leases to core deposits | 39.5646% | 7,762 |
| Total domestic deposits to total assets | 91.7973% | 304 |
| Equity capital to assets | 7.9989% | 6,581 |
| Core capital (leverage) ratio | 8.0667% | 6,052 |
| Tier 1 risk-based capital ratio | 16.3106% | 2,393 |
| Total risk-based capital ratio | 16.5315% | 2,770 |
| Memoranda: | ||
| Average total assets | $87,133,800 | 5,481 |
| Average earning assets | $73,110,400 | 5,716 |
| Average equity | $7,371,000 | 6,142 |
| Average total loans | $25,792,000 | 6,867 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4124% | 4,886 |
| Cost of funding earning assets | 1.3595% | 6,369 |
| Net interest margin | 4.0529% | 2,585 |
| Noninterest income to average assets | 0.5489% | 4,086 |
| Noninterest expense to average assets | 3.2610% | 3,074 |
| Loan and lease loss provision to assets | 0.3861% | 4,002 |
| Net operating income to assets | 0.2821% | 4,854 |
| Return on assets (ROA) | 0.4574% | 4,279 |
| Pretax return on assets | 0.5288% | 4,427 |
| Return on Equity (ROE) | 5.3301% | 3,821 |
| Retained earnings to average equity (ytd only) | 5.3301% | 2,293 |
| Net charge-offs to loans | 0.3790% | 3,756 |
| Credit loss provision to net charge-offs | 350.7042% | 1,170 |
| Earnings coverage of net charge-offs (x) | 6.4792% | 2,599 |
| Efficiency ratio | 82.0523% | 2,576 |
| Assets per employee ($millions) | 2.9071% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 3,573 |
| Loan loss allowance to noncurrent loans | 140.8397% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 6,763 |
| Noncurrent loans to loans | 1.0479% | 5,224 |
| Net loans and leases to total assets | 27.3344% | 7,857 |
| Net loans and leases to deposits | 29.9976% | 7,909 |
| Net loans and leases to core deposits | 34.4459% | 7,913 |
| Total domestic deposits to total assets | 91.1219% | 376 |
| Equity capital to assets | 8.3965% | 6,389 |
| Core capital (leverage) ratio | 8.2464% | 5,923 |
| Tier 1 risk-based capital ratio | 17.7128% | 2,070 |
| Total risk-based capital ratio | 18.5921% | 2,117 |
| Memoranda: | ||
| Average total assets | $85,982,750 | 5,554 |
| Average earning assets | $72,670,250 | 5,765 |
| Average equity | $7,379,250 | 6,191 |
| Average total loans | $24,973,500 | 6,978 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4542% | 4,870 |
| Cost of funding earning assets | 1.3890% | 6,516 |
| Net interest margin | 4.0652% | 2,448 |
| Noninterest income to average assets | 0.5390% | 4,115 |
| Noninterest expense to average assets | 3.3497% | 2,792 |
| Loan and lease loss provision to assets | 0.3310% | 3,951 |
| Net operating income to assets | 0.2238% | 5,179 |
| Return on assets (ROA) | 0.4468% | 4,410 |
| Pretax return on assets | 0.5248% | 4,538 |
| Return on Equity (ROE) | 5.1663% | 4,008 |
| Retained earnings to average equity (ytd only) | 5.1663% | 2,417 |
| Net charge-offs to loans | 0.1362% | 4,804 |
| Credit loss provision to net charge-offs | 823.5294% | 572 |
| Earnings coverage of net charge-offs (x) | 14.7647% | 1,631 |
| Efficiency ratio | 84.9520% | 2,368 |
| Assets per employee ($millions) | 2.8665% | 6,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 4,948 |
| Loan loss allowance to noncurrent loans | 251.2000% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 7,211 |
| Noncurrent loans to loans | 0.4775% | 6,332 |
| Net loans and leases to total assets | 29.1069% | 7,908 |
| Net loans and leases to deposits | 31.7335% | 7,969 |
| Net loans and leases to core deposits | 36.4553% | 7,972 |
| Total domestic deposits to total assets | 91.7231% | 264 |
| Equity capital to assets | 7.9291% | 6,831 |
| Core capital (leverage) ratio | 8.3786% | 5,660 |
| Tier 1 risk-based capital ratio | 17.5636% | 2,125 |
| Total risk-based capital ratio | 18.3163% | 2,229 |
| Memoranda: | ||
| Average total assets | $84,603,330 | 5,627 |
| Average earning assets | $70,844,670 | 5,858 |
| Average equity | $7,316,670 | 6,257 |
| Average total loans | $24,963,670 | 7,031 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3653% | 5,592 |
| Cost of funding earning assets | 1.3989% | 6,733 |
| Net interest margin | 3.9664% | 2,792 |
| Noninterest income to average assets | 0.5481% | 3,937 |
| Noninterest expense to average assets | 3.4193% | 2,302 |
| Loan and lease loss provision to assets | 0.0970% | 5,721 |
| Net operating income to assets | 0.2806% | 5,369 |
| Return on assets (ROA) | 0.6790% | 3,851 |
| Pretax return on assets | 0.9118% | 3,673 |
| Return on Equity (ROE) | 7.5148% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.5148% | 2,016 |
| Net charge-offs to loans | 0.1150% | 4,048 |
| Credit loss provision to net charge-offs | 285.7143% | 1,685 |
| Earnings coverage of net charge-offs (x) | 13.8571% | 1,715 |
| Efficiency ratio | 87.9052% | 1,906 |
| Assets per employee ($millions) | 2.8633% | 6,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 7,133 |
| Loan loss allowance to noncurrent loans | 53.9683% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 6,181 |
| Noncurrent loans to loans | 1.4954% | 4,048 |
| Net loans and leases to total assets | 29.1889% | 7,933 |
| Net loans and leases to deposits | 32.0750% | 8,013 |
| Net loans and leases to core deposits | 37.1320% | 8,015 |
| Total domestic deposits to total assets | 91.0022% | 412 |
| Equity capital to assets | 8.6113% | 5,898 |
| Core capital (leverage) ratio | 8.7300% | 5,093 |
| Tier 1 risk-based capital ratio | 17.7074% | 2,125 |
| Total risk-based capital ratio | 18.2037% | 2,283 |
| Memoranda: | ||
| Average total assets | $82,474,000 | 5,722 |
| Average earning assets | $69,483,000 | 5,929 |
| Average equity | $7,452,000 | 6,241 |
| Average total loans | $24,356,000 | 7,111 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5143% | 7,267 |
| Cost of funding earning assets | 1.6552% | 7,345 |
| Net interest margin | 3.8591% | 3,749 |
| Noninterest income to average assets | 0.5894% | 3,926 |
| Noninterest expense to average assets | 3.5967% | 2,155 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.2565% | 5,687 |
| Return on assets (ROA) | 0.3523% | 5,152 |
| Pretax return on assets | 0.4907% | 5,000 |
| Return on Equity (ROE) | 3.5861% | 4,999 |
| Retained earnings to average equity (ytd only) | 2.4279% | 3,688 |
| Net charge-offs to loans | 0.0717% | 5,740 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 16.3125% | 1,851 |
| Efficiency ratio | 90.9532% | 1,443 |
| Assets per employee ($millions) | 2.4703% | 7,258 |
| Cash dividends to net income (ytd only)* | 32.2957% | 4,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 7,044 |
| Loan loss allowance to noncurrent loans | 51.6216% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4681% | 5,818 |
| Noncurrent loans to loans | 1.5788% | 3,411 |
| Net loans and leases to total assets | 29.4045% | 8,003 |
| Net loans and leases to deposits | 32.6754% | 8,087 |
| Net loans and leases to core deposits | 38.1205% | 8,082 |
| Total domestic deposits to total assets | 89.9898% | 648 |
| Equity capital to assets | 9.4966% | 4,701 |
| Core capital (leverage) ratio | 9.1318% | 4,550 |
| Tier 1 risk-based capital ratio | 18.6105% | 1,891 |
| Total risk-based capital ratio | 19.1084% | 2,012 |
| Memoranda: | ||
| Average total assets | $72,956,000 | 5,937 |
| Average earning assets | $63,616,000 | 6,032 |
| Average equity | $7,166,600 | 6,399 |
| Average total loans | $22,306,800 | 7,178 |