Home > First State Bank of Randolph County > Performance and Condition Ratios
First State Bank of Randolph County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 3,625 |
| Cost of funding earning assets | 1.1930% | 2,824 |
| Net interest margin | 3.0054% | 3,270 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.6338% | 1,909 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.3604% | 3,940 |
| Return on assets (ROA) | 0.3604% | 3,934 |
| Pretax return on assets | 0.3604% | 4,019 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.0753% | 1,110 |
| Credit loss provision to net charge-offs | 139.1304% | 1,537 |
| Earnings coverage of net charge-offs (x) | 15.1304% | 2,055 |
| Efficiency ratio | 86.9025% | 520 |
| Assets per employee ($millions) | 5.2274% | 3,451 |
| Cash dividends to net income (ytd only)* | 66.4557% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 3,052 |
| Loan loss allowance to noncurrent loans | 189.1429% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 1,692 |
| Noncurrent loans to loans | 0.5574% | 1,404 |
| Net loans and leases to total assets | 34.9600% | 4,186 |
| Net loans and leases to deposits | 34.8204% | 4,291 |
| Net loans and leases to core deposits | 36.9968% | 4,329 |
| Total domestic deposits to total assets | 100.3900% | 19 |
| Equity capital to assets | -0.8080% | 4,607 |
| Core capital (leverage) ratio | 9.6198% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1041% | 1,246 |
| Memoranda: | ||
| Average total assets | $87,668,800 | 3,940 |
| Average earning assets | $80,889,000 | 3,920 |
| Average equity | $-1,348,600 | 4,586 |
| Average total loans | $30,539,400 | 4,129 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 3,608 |
| Cost of funding earning assets | 1.0613% | 2,857 |
| Net interest margin | 3.0651% | 3,212 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.5805% | 2,000 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.4822% | 3,799 |
| Return on assets (ROA) | 0.4822% | 3,804 |
| Pretax return on assets | 0.4822% | 3,933 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.0791% | 929 |
| Credit loss provision to net charge-offs | 111.1111% | 1,541 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,854 |
| Efficiency ratio | 83.4238% | 649 |
| Assets per employee ($millions) | 4.8727% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 3,397 |
| Loan loss allowance to noncurrent loans | 142.1053% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 1,439 |
| Noncurrent loans to loans | 0.7009% | 1,181 |
| Net loans and leases to total assets | 38.8800% | 4,097 |
| Net loans and leases to deposits | 37.9533% | 4,255 |
| Net loans and leases to core deposits | 40.2681% | 4,251 |
| Total domestic deposits to total assets | 102.4400% | 20 |
| Equity capital to assets | -2.8876% | 4,632 |
| Core capital (leverage) ratio | 9.4388% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5395% | 1,193 |
| Memoranda: | ||
| Average total assets | $87,371,750 | 3,955 |
| Average earning assets | $80,907,750 | 3,939 |
| Average equity | $-1,504,250 | 4,615 |
| Average total loans | $30,325,500 | 4,151 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9236% | 3,830 |
| Cost of funding earning assets | 0.8987% | 2,932 |
| Net interest margin | 3.0249% | 3,368 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.4864% | 2,243 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.5468% | 3,707 |
| Return on assets (ROA) | 0.5468% | 3,715 |
| Pretax return on assets | 0.5468% | 3,886 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 0.1217% | 598 |
| Credit loss provision to net charge-offs | 44.4444% | 1,694 |
| Earnings coverage of net charge-offs (x) | 13.9444% | 1,891 |
| Efficiency ratio | 81.4897% | 744 |
| Assets per employee ($millions) | 5.5051% | 3,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 3,483 |
| Loan loss allowance to noncurrent loans | 134.4828% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 1,395 |
| Noncurrent loans to loans | 0.7342% | 1,024 |
| Net loans and leases to total assets | 35.5200% | 4,192 |
| Net loans and leases to deposits | 35.1555% | 4,312 |
| Net loans and leases to core deposits | 37.6920% | 4,300 |
| Total domestic deposits to total assets | 101.0400% | 20 |
| Equity capital to assets | -1.3045% | 4,662 |
| Core capital (leverage) ratio | 9.2802% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0811% | 1,302 |
| Memoranda: | ||
| Average total assets | $88,883,667 | 3,951 |
| Average earning assets | $82,118,000 | 3,937 |
| Average equity | $-1,208,333 | 4,643 |
| Average total loans | $29,590,667 | 4,169 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7504% | 3,946 |
| Cost of funding earning assets | 0.7139% | 3,015 |
| Net interest margin | 3.0365% | 3,509 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.4103% | 2,502 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.6451% | 3,596 |
| Return on assets (ROA) | 0.6451% | 3,558 |
| Pretax return on assets | 0.6451% | 3,764 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | 0.2239% | 330 |
| Credit loss provision to net charge-offs | 12.5000% | 1,395 |
| Earnings coverage of net charge-offs (x) | 9.1250% | 1,696 |
| Efficiency ratio | 78.6550% | 940 |
| Assets per employee ($millions) | 4.9174% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 3,229 |
| Loan loss allowance to noncurrent loans | 91.9403% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 1,364 |
| Noncurrent loans to loans | 1.1592% | 607 |
| Net loans and leases to total assets | 32.3000% | 4,315 |
| Net loans and leases to deposits | 31.9814% | 4,411 |
| Net loans and leases to core deposits | 33.6856% | 4,398 |
| Total domestic deposits to total assets | 101.0000% | 2 |
| Equity capital to assets | -1.1478% | 4,689 |
| Core capital (leverage) ratio | 8.9078% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9022% | 1,168 |
| Memoranda: | ||
| Average total assets | $89,285,000 | 4,002 |
| Average earning assets | $81,804,000 | 3,998 |
| Average equity | $-1,238,000 | 4,667 |
| Average total loans | $28,586,500 | 4,248 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2874% | 3,615 |
| Cost of funding earning assets | 0.4722% | 1,571 |
| Net interest margin | 2.8152% | 3,864 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.5248% | 2,038 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.2983% | 4,365 |
| Return on assets (ROA) | 0.3145% | 4,322 |
| Pretax return on assets | 0.3145% | 4,369 |
| Return on Equity (ROE) | 21.1300% | 388 |
| Retained earnings to average equity (ytd only) | 6.6076% | 2,407 |
| Net charge-offs to loans | 0.1698% | 491 |
| Credit loss provision to net charge-offs | 22.0000% | 1,927 |
| Earnings coverage of net charge-offs (x) | 5.7400% | 2,363 |
| Efficiency ratio | 89.0583% | 328 |
| Assets per employee ($millions) | 5.0031% | 3,675 |
| Cash dividends to net income (ytd only)* | 68.7285% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 2,702 |
| Loan loss allowance to noncurrent loans | 23.3333% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.5324% | 200 |
| Noncurrent loans to loans | 4.8810% | 55 |
| Net loans and leases to total assets | 31.0400% | 4,365 |
| Net loans and leases to deposits | 30.5800% | 4,463 |
| Net loans and leases to core deposits | 32.1653% | 4,447 |
| Total domestic deposits to total assets | 101.5000% | 5 |
| Equity capital to assets | -1.6212% | 4,719 |
| Core capital (leverage) ratio | 9.2561% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1788% | 1,320 |
| Memoranda: | ||
| Average total assets | $92,521,200 | 3,986 |
| Average earning assets | $82,801,000 | 4,008 |
| Average equity | $1,377,200 | 4,697 |
| Average total loans | $29,438,400 | 4,247 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1907% | 3,459 |
| Cost of funding earning assets | 0.4384% | 1,045 |
| Net interest margin | 2.7523% | 3,831 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.4608% | 2,124 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.3235% | 4,352 |
| Return on assets (ROA) | 0.3450% | 4,279 |
| Pretax return on assets | 0.3450% | 4,336 |
| Return on Equity (ROE) | 15.4000% | 1,099 |
| Retained earnings to average equity (ytd only) | 15.4002% | 332 |
| Net charge-offs to loans | 0.2287% | 303 |
| Credit loss provision to net charge-offs | 17.6471% | 1,636 |
| Earnings coverage of net charge-offs (x) | 4.6078% | 2,169 |
| Efficiency ratio | 87.9734% | 387 |
| Assets per employee ($millions) | 4.5656% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 3,414 |
| Loan loss allowance to noncurrent loans | 23.0935% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.6024% | 200 |
| Noncurrent loans to loans | 4.3809% | 78 |
| Net loans and leases to total assets | 36.2100% | 4,218 |
| Net loans and leases to deposits | 35.6836% | 4,375 |
| Net loans and leases to core deposits | 37.5968% | 4,350 |
| Total domestic deposits to total assets | 101.4700% | 9 |
| Equity capital to assets | -1.6865% | 4,751 |
| Core capital (leverage) ratio | 9.1289% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1506% | 1,386 |
| Memoranda: | ||
| Average total assets | $93,137,500 | 4,011 |
| Average earning assets | $83,322,750 | 4,033 |
| Average equity | $2,086,500 | 4,713 |
| Average total loans | $29,729,750 | 4,270 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0882% | 3,336 |
| Cost of funding earning assets | 0.4310% | 757 |
| Net interest margin | 2.6572% | 3,800 |
| Noninterest income to average assets | 0.3443% | 3,089 |
| Noninterest expense to average assets | 2.3534% | 2,389 |
| Loan and lease loss provision to assets | 0.0126% | 2,367 |
| Net operating income to assets | 0.3338% | 4,225 |
| Return on assets (ROA) | 0.3653% | 4,138 |
| Pretax return on assets | 0.3653% | 4,209 |
| Return on Equity (ROE) | 10.6433% | 2,118 |
| Retained earnings to average equity (ytd only) | 10.6433% | 863 |
| Net charge-offs to loans | 0.0069% | 1,746 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 600 |
| Efficiency ratio | 87.1695% | 529 |
| Assets per employee ($millions) | 4.6807% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,637 |
| Loan loss allowance to noncurrent loans | 25.6089% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.6158% | 210 |
| Noncurrent loans to loans | 4.7250% | 73 |
| Net loans and leases to total assets | 33.7839% | 4,343 |
| Net loans and leases to deposits | 33.5406% | 4,458 |
| Net loans and leases to core deposits | 35.4417% | 4,452 |
| Total domestic deposits to total assets | 100.7253% | 4 |
| Equity capital to assets | -0.8411% | 4,766 |
| Core capital (leverage) ratio | 8.5697% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9464% | 1,445 |
| Memoranda: | ||
| Average total assets | $95,267,667 | 4,035 |
| Average earning assets | $84,451,000 | 4,068 |
| Average equity | $3,269,667 | 4,673 |
| Average total loans | $29,063,333 | 4,336 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9445% | 3,418 |
| Cost of funding earning assets | 0.4286% | 731 |
| Net interest margin | 2.5159% | 3,871 |
| Noninterest income to average assets | 0.3413% | 3,050 |
| Noninterest expense to average assets | 2.3203% | 2,421 |
| Loan and lease loss provision to assets | 0.0122% | 2,124 |
| Net operating income to assets | 0.2032% | 4,330 |
| Return on assets (ROA) | 0.2641% | 4,181 |
| Pretax return on assets | 0.2641% | 4,242 |
| Return on Equity (ROE) | 4.9256% | 3,640 |
| Retained earnings to average equity (ytd only) | 4.9256% | 2,609 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5064% | 483 |
| Assets per employee ($millions) | 5.1545% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 2,374 |
| Loan loss allowance to noncurrent loans | 24.8299% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.5010% | 239 |
| Noncurrent loans to loans | 5.2261% | 64 |
| Net loans and leases to total assets | 28.3484% | 4,500 |
| Net loans and leases to deposits | 29.4715% | 4,564 |
| Net loans and leases to core deposits | 31.0621% | 4,558 |
| Total domestic deposits to total assets | 96.1893% | 10 |
| Equity capital to assets | 3.5544% | 4,784 |
| Core capital (leverage) ratio | 7.8086% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3490% | 1,416 |
| Memoranda: | ||
| Average total assets | $98,435,000 | 4,019 |
| Average earning assets | $85,855,000 | 4,064 |
| Average equity | $5,278,500 | 4,540 |
| Average total loans | $28,388,500 | 4,364 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0062% | 3,862 |
| Cost of funding earning assets | 0.5053% | 911 |
| Net interest margin | 2.5009% | 4,187 |
| Noninterest income to average assets | 0.3090% | 3,552 |
| Noninterest expense to average assets | 2.3003% | 2,793 |
| Loan and lease loss provision to assets | 0.0591% | 1,878 |
| Net operating income to assets | 0.1213% | 4,610 |
| Return on assets (ROA) | 0.3565% | 4,364 |
| Pretax return on assets | 0.3565% | 4,435 |
| Return on Equity (ROE) | 4.3550% | 4,140 |
| Retained earnings to average equity (ytd only) | 1.7781% | 4,051 |
| Net charge-offs to loans | 0.0802% | 1,002 |
| Credit loss provision to net charge-offs | 233.3333% | 1,214 |
| Earnings coverage of net charge-offs (x) | 7.1250% | 2,361 |
| Efficiency ratio | 92.7296% | 256 |
| Assets per employee ($millions) | 5.2071% | 3,553 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,519 |
| Loan loss allowance to noncurrent loans | 22.7301% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.6142% | 248 |
| Noncurrent loans to loans | 5.5744% | 60 |
| Net loans and leases to total assets | 28.5905% | 4,553 |
| Net loans and leases to deposits | 30.8432% | 4,608 |
| Net loans and leases to core deposits | 32.8338% | 4,586 |
| Total domestic deposits to total assets | 92.6962% | 71 |
| Equity capital to assets | 7.1522% | 4,687 |
| Core capital (leverage) ratio | 8.0735% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9634% | 1,527 |
| Memoranda: | ||
| Average total assets | $94,813,400 | 4,044 |
| Average earning assets | $82,328,800 | 4,098 |
| Average equity | $7,761,200 | 4,354 |
| Average total loans | $29,927,600 | 4,376 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0438% | 3,918 |
| Cost of funding earning assets | 0.5256% | 927 |
| Net interest margin | 2.5182% | 4,240 |
| Noninterest income to average assets | 0.3440% | 3,390 |
| Noninterest expense to average assets | 2.2790% | 2,811 |
| Loan and lease loss provision to assets | 0.0640% | 1,719 |
| Net operating income to assets | 0.1877% | 4,638 |
| Return on assets (ROA) | 0.3995% | 4,405 |
| Pretax return on assets | 0.3995% | 4,495 |
| Return on Equity (ROE) | 4.7231% | 4,183 |
| Retained earnings to average equity (ytd only) | 4.7231% | 3,324 |
| Net charge-offs to loans | 0.0661% | 983 |
| Credit loss provision to net charge-offs | 300.0000% | 1,006 |
| Earnings coverage of net charge-offs (x) | 11.8000% | 1,982 |
| Efficiency ratio | 90.0562% | 321 |
| Assets per employee ($millions) | 4.9544% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,985 |
| Loan loss allowance to noncurrent loans | 23.0377% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.6647% | 274 |
| Noncurrent loans to loans | 5.2115% | 71 |
| Net loans and leases to total assets | 31.5585% | 4,550 |
| Net loans and leases to deposits | 34.5490% | 4,615 |
| Net loans and leases to core deposits | 36.6853% | 4,599 |
| Total domestic deposits to total assets | 91.3442% | 277 |
| Equity capital to assets | 8.4976% | 4,214 |
| Core capital (leverage) ratio | 8.5430% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7925% | 1,393 |
| Memoranda: | ||
| Average total assets | $93,783,000 | 4,104 |
| Average earning assets | $81,431,000 | 4,160 |
| Average equity | $7,932,500 | 4,396 |
| Average total loans | $30,247,250 | 4,426 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9996% | 4,047 |
| Cost of funding earning assets | 0.5357% | 1,008 |
| Net interest margin | 2.4639% | 4,349 |
| Noninterest income to average assets | 0.3929% | 3,138 |
| Noninterest expense to average assets | 2.2420% | 2,949 |
| Loan and lease loss provision to assets | 0.0641% | 1,758 |
| Net operating income to assets | 0.2178% | 4,615 |
| Return on assets (ROA) | 0.2776% | 4,566 |
| Pretax return on assets | 0.2776% | 4,609 |
| Return on Equity (ROE) | 3.2868% | 4,431 |
| Retained earnings to average equity (ytd only) | 3.2868% | 3,746 |
| Net charge-offs to loans | 0.0594% | 1,023 |
| Credit loss provision to net charge-offs | 333.3333% | 841 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,654 |
| Efficiency ratio | 88.8325% | 374 |
| Assets per employee ($millions) | 4.7575% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 3,009 |
| Loan loss allowance to noncurrent loans | 21.5951% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.7131% | 286 |
| Noncurrent loans to loans | 5.4967% | 67 |
| Net loans and leases to total assets | 30.7959% | 4,628 |
| Net loans and leases to deposits | 33.6132% | 4,691 |
| Net loans and leases to core deposits | 35.5150% | 4,680 |
| Total domestic deposits to total assets | 91.6184% | 213 |
| Equity capital to assets | 8.2082% | 4,429 |
| Core capital (leverage) ratio | 8.2579% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2065% | 1,561 |
| Memoranda: | ||
| Average total assets | $93,666,333 | 4,129 |
| Average earning assets | $81,011,000 | 4,192 |
| Average equity | $7,910,333 | 4,422 |
| Average total loans | $30,307,000 | 4,461 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1473% | 3,787 |
| Cost of funding earning assets | 0.5644% | 1,029 |
| Net interest margin | 2.5829% | 4,180 |
| Noninterest income to average assets | 0.3400% | 3,397 |
| Noninterest expense to average assets | 2.1519% | 3,265 |
| Loan and lease loss provision to assets | 0.0689% | 1,775 |
| Net operating income to assets | 0.3056% | 4,507 |
| Return on assets (ROA) | 0.4002% | 4,386 |
| Pretax return on assets | 0.4002% | 4,484 |
| Return on Equity (ROE) | 4.6816% | 4,155 |
| Retained earnings to average equity (ytd only) | 4.6816% | 3,323 |
| Net charge-offs to loans | 0.0131% | 1,487 |
| Credit loss provision to net charge-offs | 1,600.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 670 |
| Efficiency ratio | 85.1789% | 545 |
| Assets per employee ($millions) | 5.5708% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,974 |
| Loan loss allowance to noncurrent loans | 20.8559% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.7518% | 322 |
| Noncurrent loans to loans | 5.7167% | 61 |
| Net loans and leases to total assets | 30.2775% | 4,688 |
| Net loans and leases to deposits | 32.9401% | 4,747 |
| Net loans and leases to core deposits | 34.9257% | 4,742 |
| Total domestic deposits to total assets | 91.9169% | 164 |
| Equity capital to assets | 7.8898% | 4,551 |
| Core capital (leverage) ratio | 8.3328% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,942,000 | 4,151 |
| Average earning assets | $78,670,000 | 4,238 |
| Average equity | $7,946,000 | 4,435 |
| Average total loans | $30,650,000 | 4,480 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6752% | 3,640 |
| Cost of funding earning assets | 0.6905% | 1,768 |
| Net interest margin | 2.9846% | 3,922 |
| Noninterest income to average assets | 0.3318% | 3,473 |
| Noninterest expense to average assets | 2.6377% | 2,429 |
| Loan and lease loss provision to assets | 0.1719% | 2,240 |
| Net operating income to assets | 0.1480% | 4,628 |
| Return on assets (ROA) | 0.4559% | 4,209 |
| Pretax return on assets | 0.4559% | 4,342 |
| Return on Equity (ROE) | 4.6747% | 3,987 |
| Retained earnings to average equity (ytd only) | 1.3706% | 4,079 |
| Net charge-offs to loans | 0.7857% | 186 |
| Credit loss provision to net charge-offs | 56.2500% | 3,107 |
| Earnings coverage of net charge-offs (x) | 1.0469% | 3,287 |
| Efficiency ratio | 89.1848% | 401 |
| Assets per employee ($millions) | 5.3635% | 2,986 |
| Cash dividends to net income (ytd only)* | 70.6806% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 3,776 |
| Loan loss allowance to noncurrent loans | 19.1551% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.8952% | 313 |
| Noncurrent loans to loans | 5.3532% | 72 |
| Net loans and leases to total assets | 35.0395% | 4,610 |
| Net loans and leases to deposits | 38.7251% | 4,686 |
| Net loans and leases to core deposits | 40.2360% | 4,688 |
| Total domestic deposits to total assets | 90.4826% | 382 |
| Equity capital to assets | 9.2345% | 3,852 |
| Core capital (leverage) ratio | 8.8095% | 3,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,784,000 | 4,199 |
| Average earning assets | $73,711,200 | 4,239 |
| Average equity | $8,171,600 | 4,405 |
| Average total loans | $32,582,800 | 4,466 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7655% | 3,656 |
| Cost of funding earning assets | 0.7192% | 1,911 |
| Net interest margin | 3.0464% | 3,872 |
| Noninterest income to average assets | 0.3417% | 3,426 |
| Noninterest expense to average assets | 2.7045% | 2,242 |
| Loan and lease loss provision to assets | 0.1794% | 2,195 |
| Net operating income to assets | 0.1741% | 4,627 |
| Return on assets (ROA) | 0.5207% | 4,075 |
| Pretax return on assets | 0.5207% | 4,244 |
| Return on Equity (ROE) | 5.2612% | 3,804 |
| Retained earnings to average equity (ytd only) | 5.2612% | 2,446 |
| Net charge-offs to loans | 1.0166% | 135 |
| Credit loss provision to net charge-offs | 44.1767% | 2,908 |
| Earnings coverage of net charge-offs (x) | 0.8715% | 3,115 |
| Efficiency ratio | 88.4513% | 404 |
| Assets per employee ($millions) | 4.6262% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 4,273 |
| Loan loss allowance to noncurrent loans | 17.2531% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 2.1160% | 293 |
| Noncurrent loans to loans | 4.8428% | 116 |
| Net loans and leases to total assets | 43.3284% | 4,443 |
| Net loans and leases to deposits | 48.6273% | 4,533 |
| Net loans and leases to core deposits | 50.7433% | 4,558 |
| Total domestic deposits to total assets | 89.1030% | 725 |
| Equity capital to assets | 10.4262% | 2,853 |
| Core capital (leverage) ratio | 9.3330% | 3,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,935,000 | 4,228 |
| Average earning assets | $73,047,250 | 4,253 |
| Average equity | $8,109,500 | 4,426 |
| Average total loans | $32,658,500 | 4,496 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6952% | 4,099 |
| Cost of funding earning assets | 0.7651% | 2,019 |
| Net interest margin | 2.9301% | 4,261 |
| Noninterest income to average assets | 0.3485% | 3,390 |
| Noninterest expense to average assets | 2.7169% | 2,335 |
| Loan and lease loss provision to assets | 0.1448% | 2,560 |
| Net operating income to assets | 0.0810% | 4,706 |
| Return on assets (ROA) | 0.3878% | 4,320 |
| Pretax return on assets | 0.3878% | 4,431 |
| Return on Equity (ROE) | 3.9906% | 4,110 |
| Retained earnings to average equity (ytd only) | 3.9906% | 2,915 |
| Net charge-offs to loans | 1.5788% | 84 |
| Credit loss provision to net charge-offs | 23.7903% | 2,723 |
| Earnings coverage of net charge-offs (x) | 0.3710% | 2,926 |
| Efficiency ratio | 92.3269% | 336 |
| Assets per employee ($millions) | 4.0165% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7493% | 4,465 |
| Loan loss allowance to noncurrent loans | 13.9484% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 2.8134% | 183 |
| Noncurrent loans to loans | 5.3720% | 92 |
| Net loans and leases to total assets | 39.8876% | 4,613 |
| Net loans and leases to deposits | 44.5569% | 4,691 |
| Net loans and leases to core deposits | 46.4497% | 4,703 |
| Total domestic deposits to total assets | 89.5207% | 563 |
| Equity capital to assets | 10.1426% | 3,076 |
| Core capital (leverage) ratio | 9.2733% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,489,667 | 4,234 |
| Average earning assets | $72,147,333 | 4,273 |
| Average equity | $7,918,667 | 4,468 |
| Average total loans | $31,416,667 | 4,536 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6558% | 4,461 |
| Cost of funding earning assets | 0.7967% | 2,416 |
| Net interest margin | 2.8591% | 4,490 |
| Noninterest income to average assets | 0.4397% | 2,850 |
| Noninterest expense to average assets | 2.5830% | 3,031 |
| Loan and lease loss provision to assets | 0.0699% | 2,863 |
| Net operating income to assets | 0.3148% | 4,314 |
| Return on assets (ROA) | 0.7694% | 3,097 |
| Pretax return on assets | 0.7694% | 3,489 |
| Return on Equity (ROE) | 8.1047% | 2,476 |
| Retained earnings to average equity (ytd only) | 8.1047% | 1,200 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0370% | 632 |
| Assets per employee ($millions) | 3.8525% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 1,276 |
| Loan loss allowance to noncurrent loans | 21.9244% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 3.2644% | 162 |
| Noncurrent loans to loans | 6.9305% | 59 |
| Net loans and leases to total assets | 36.6909% | 4,756 |
| Net loans and leases to deposits | 40.6257% | 4,826 |
| Net loans and leases to core deposits | 42.0126% | 4,844 |
| Total domestic deposits to total assets | 90.3143% | 235 |
| Equity capital to assets | 9.3532% | 4,351 |
| Core capital (leverage) ratio | 9.4713% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,061,000 | 4,266 |
| Average earning assets | $70,791,500 | 4,301 |
| Average equity | $7,600,500 | 4,538 |
| Average total loans | $30,176,000 | 4,586 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0020% | 4,251 |
| Cost of funding earning assets | 0.7662% | 2,842 |
| Net interest margin | 3.2358% | 4,120 |
| Noninterest income to average assets | 0.3720% | 3,471 |
| Noninterest expense to average assets | 2.7910% | 2,633 |
| Loan and lease loss provision to assets | 0.0759% | 2,475 |
| Net operating income to assets | 0.4226% | 4,554 |
| Return on assets (ROA) | 0.5314% | 4,382 |
| Pretax return on assets | 0.5314% | 4,522 |
| Return on Equity (ROE) | 5.8506% | 3,961 |
| Retained earnings to average equity (ytd only) | 2.0895% | 3,953 |
| Net charge-offs to loans | 0.0098% | 3,334 |
| Credit loss provision to net charge-offs | 2,000.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 131.3333% | 558 |
| Efficiency ratio | 84.8462% | 612 |
| Assets per employee ($millions) | 3.7723% | 4,186 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,308 |
| Loan loss allowance to noncurrent loans | 16.0753% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 3.4865% | 130 |
| Noncurrent loans to loans | 9.1427% | 30 |
| Net loans and leases to total assets | 37.5743% | 4,807 |
| Net loans and leases to deposits | 41.7534% | 4,873 |
| Net loans and leases to core deposits | 43.2105% | 4,888 |
| Total domestic deposits to total assets | 89.9910% | 324 |
| Equity capital to assets | 9.6366% | 4,234 |
| Core capital (leverage) ratio | 9.6976% | 3,846 |
| Tier 1 risk-based capital ratio | 17.2548% | 1,978 |
| Total risk-based capital ratio | 18.2598% | 1,992 |
| Memoranda: | ||
| Average total assets | $79,040,200 | 4,304 |
| Average earning assets | $71,264,600 | 4,328 |
| Average equity | $7,178,800 | 4,615 |
| Average total loans | $30,690,000 | 4,625 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 4,171 |
| Cost of funding earning assets | 0.7564% | 2,939 |
| Net interest margin | 3.3362% | 4,025 |
| Noninterest income to average assets | 0.3477% | 3,646 |
| Noninterest expense to average assets | 2.7562% | 2,695 |
| Loan and lease loss provision to assets | 0.0878% | 2,160 |
| Net operating income to assets | 0.5114% | 4,486 |
| Return on assets (ROA) | 0.5452% | 4,469 |
| Pretax return on assets | 0.5452% | 4,629 |
| Return on Equity (ROE) | 6.0957% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.0957% | 2,325 |
| Net charge-offs to loans | 0.0130% | 2,910 |
| Credit loss provision to net charge-offs | 1,733.3333% | 221 |
| Earnings coverage of net charge-offs (x) | 118.3300% | 662 |
| Efficiency ratio | 82.1429% | 750 |
| Assets per employee ($millions) | 3.8684% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 1,947 |
| Loan loss allowance to noncurrent loans | 15.4555% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 3.6463% | 128 |
| Noncurrent loans to loans | 8.4373% | 41 |
| Net loans and leases to total assets | 42.6526% | 4,734 |
| Net loans and leases to deposits | 47.7085% | 4,826 |
| Net loans and leases to core deposits | 49.4212% | 4,850 |
| Total domestic deposits to total assets | 89.4025% | 478 |
| Equity capital to assets | 10.1749% | 3,849 |
| Core capital (leverage) ratio | 10.0507% | 3,595 |
| Tier 1 risk-based capital ratio | 16.8119% | 2,147 |
| Total risk-based capital ratio | 17.7521% | 2,202 |
| Memoranda: | ||
| Average total assets | $78,995,500 | 4,362 |
| Average earning assets | $71,216,250 | 4,382 |
| Average equity | $7,065,000 | 4,690 |
| Average total loans | $30,810,000 | 4,683 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9619% | 4,457 |
| Cost of funding earning assets | 0.7305% | 2,996 |
| Net interest margin | 3.2314% | 4,287 |
| Noninterest income to average assets | 0.3872% | 3,353 |
| Noninterest expense to average assets | 2.7031% | 2,892 |
| Loan and lease loss provision to assets | 0.1132% | 1,662 |
| Net operating income to assets | 0.4853% | 4,560 |
| Return on assets (ROA) | 0.4878% | 4,588 |
| Pretax return on assets | 0.4878% | 4,715 |
| Return on Equity (ROE) | 5.7092% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.7092% | 2,409 |
| Net charge-offs to loans | 0.0200% | 2,460 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 79.3333% | 822 |
| Efficiency ratio | 81.8736% | 811 |
| Assets per employee ($millions) | 3.8936% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 1,679 |
| Loan loss allowance to noncurrent loans | 17.9048% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 3.0769% | 187 |
| Noncurrent loans to loans | 7.7298% | 45 |
| Net loans and leases to total assets | 39.2547% | 4,870 |
| Net loans and leases to deposits | 43.6904% | 4,957 |
| Net loans and leases to core deposits | 44.8948% | 4,986 |
| Total domestic deposits to total assets | 89.8473% | 377 |
| Equity capital to assets | 9.7713% | 4,166 |
| Core capital (leverage) ratio | 9.5855% | 4,056 |
| Tier 1 risk-based capital ratio | 16.4284% | 2,268 |
| Total risk-based capital ratio | 17.3478% | 2,315 |
| Memoranda: | ||
| Average total assets | $79,538,330 | 4,380 |
| Average earning assets | $71,732,670 | 4,406 |
| Average equity | $6,796,000 | 4,750 |
| Average total loans | $29,935,000 | 4,739 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8701% | 4,604 |
| Cost of funding earning assets | 0.7134% | 2,987 |
| Net interest margin | 3.1567% | 4,484 |
| Noninterest income to average assets | 0.4828% | 2,667 |
| Noninterest expense to average assets | 2.6427% | 3,072 |
| Loan and lease loss provision to assets | 0.1493% | 1,132 |
| Net operating income to assets | 0.4877% | 4,553 |
| Return on assets (ROA) | 0.4877% | 4,574 |
| Pretax return on assets | 0.4877% | 4,716 |
| Return on Equity (ROE) | 6.1351% | 3,975 |
| Retained earnings to average equity (ytd only) | 6.1351% | 2,399 |
| Net charge-offs to loans | 0.0408% | 1,686 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 42.6667% | 1,113 |
| Efficiency ratio | 80.5766% | 1,000 |
| Assets per employee ($millions) | 4.0711% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 1,564 |
| Loan loss allowance to noncurrent loans | 17.4389% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 2.9157% | 215 |
| Noncurrent loans to loans | 8.2069% | 42 |
| Net loans and leases to total assets | 35.0192% | 5,048 |
| Net loans and leases to deposits | 38.3255% | 5,105 |
| Net loans and leases to core deposits | 39.3115% | 5,123 |
| Total domestic deposits to total assets | 91.3732% | 109 |
| Equity capital to assets | 8.2669% | 5,097 |
| Core capital (leverage) ratio | 9.4010% | 4,253 |
| Tier 1 risk-based capital ratio | 16.5526% | 2,246 |
| Total risk-based capital ratio | 17.4579% | 2,313 |
| Memoranda: | ||
| Average total assets | $80,372,000 | 4,413 |
| Average earning assets | $71,212,500 | 4,465 |
| Average equity | $6,389,500 | 4,829 |
| Average total loans | $29,404,000 | 4,800 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 4,362 |
| Cost of funding earning assets | 0.6177% | 2,602 |
| Net interest margin | 3.2452% | 4,401 |
| Noninterest income to average assets | 0.5272% | 2,674 |
| Noninterest expense to average assets | 2.6308% | 3,240 |
| Loan and lease loss provision to assets | 0.0521% | 3,140 |
| Net operating income to assets | 0.7076% | 4,119 |
| Return on assets (ROA) | 0.7076% | 4,122 |
| Pretax return on assets | 0.7076% | 4,394 |
| Return on Equity (ROE) | 9.3131% | 2,833 |
| Retained earnings to average equity (ytd only) | 4.7987% | 2,894 |
| Net charge-offs to loans | 0.1295% | 1,456 |
| Credit loss provision to net charge-offs | 102.5000% | 2,466 |
| Earnings coverage of net charge-offs (x) | 14.9500% | 2,354 |
| Efficiency ratio | 77.5946% | 1,171 |
| Assets per employee ($millions) | 3.9662% | 3,939 |
| Cash dividends to net income (ytd only)* | 48.4740% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 2,087 |
| Loan loss allowance to noncurrent loans | 17.0948% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 2.8731% | 231 |
| Noncurrent loans to loans | 7.5566% | 48 |
| Net loans and leases to total assets | 37.1834% | 5,037 |
| Net loans and leases to deposits | 40.4274% | 5,115 |
| Net loans and leases to core deposits | 40.6273% | 5,153 |
| Total domestic deposits to total assets | 91.9758% | 72 |
| Equity capital to assets | 7.6245% | 5,261 |
| Core capital (leverage) ratio | 9.6850% | 3,911 |
| Tier 1 risk-based capital ratio | 17.1474% | 2,014 |
| Total risk-based capital ratio | 18.0333% | 2,088 |
| Memoranda: | ||
| Average total assets | $78,721,000 | 4,443 |
| Average earning assets | $69,456,800 | 4,504 |
| Average equity | $5,980,800 | 4,901 |
| Average total loans | $30,882,200 | 4,796 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 4,374 |
| Cost of funding earning assets | 0.6157% | 2,370 |
| Net interest margin | 3.2134% | 4,487 |
| Noninterest income to average assets | 0.5498% | 2,569 |
| Noninterest expense to average assets | 2.5726% | 3,370 |
| Loan and lease loss provision to assets | 0.0187% | 3,636 |
| Net operating income to assets | 0.7840% | 3,960 |
| Return on assets (ROA) | 0.7840% | 3,971 |
| Pretax return on assets | 0.7840% | 4,337 |
| Return on Equity (ROE) | 10.3283% | 2,468 |
| Retained earnings to average equity (ytd only) | 10.3283% | 814 |
| Net charge-offs to loans | 0.1756% | 947 |
| Credit loss provision to net charge-offs | 26.8293% | 2,983 |
| Earnings coverage of net charge-offs (x) | 11.5356% | 2,504 |
| Efficiency ratio | 76.2192% | 1,329 |
| Assets per employee ($millions) | 3.7561% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 3,112 |
| Loan loss allowance to noncurrent loans | 14.7718% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 3.2081% | 209 |
| Noncurrent loans to loans | 7.5414% | 50 |
| Net loans and leases to total assets | 42.0662% | 4,957 |
| Net loans and leases to deposits | 45.9858% | 5,051 |
| Net loans and leases to core deposits | 46.4311% | 5,099 |
| Total domestic deposits to total assets | 91.4765% | 133 |
| Equity capital to assets | 7.8233% | 5,231 |
| Core capital (leverage) ratio | 9.8519% | 3,795 |
| Tier 1 risk-based capital ratio | 18.6869% | 1,617 |
| Total risk-based capital ratio | 19.5571% | 1,671 |
| Memoranda: | ||
| Average total assets | $78,570,500 | 4,499 |
| Average earning assets | $69,084,000 | 4,558 |
| Average equity | $5,964,000 | 4,954 |
| Average total loans | $31,132,500 | 4,841 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8130% | 4,315 |
| Cost of funding earning assets | 0.6080% | 2,171 |
| Net interest margin | 3.2050% | 4,489 |
| Noninterest income to average assets | 0.8677% | 1,275 |
| Noninterest expense to average assets | 2.6306% | 3,218 |
| Loan and lease loss provision to assets | 0.0201% | 3,503 |
| Net operating income to assets | 0.9931% | 3,056 |
| Return on assets (ROA) | 0.9931% | 3,054 |
| Pretax return on assets | 0.9931% | 3,686 |
| Return on Equity (ROE) | 13.1445% | 1,323 |
| Retained earnings to average equity (ytd only) | 13.1445% | 361 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1955% | 1,970 |
| Assets per employee ($millions) | 3.9455% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 2,320 |
| Loan loss allowance to noncurrent loans | 19.7296% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 2.5308% | 345 |
| Noncurrent loans to loans | 6.4394% | 77 |
| Net loans and leases to total assets | 38.8017% | 5,098 |
| Net loans and leases to deposits | 42.1602% | 5,190 |
| Net loans and leases to core deposits | 42.5463% | 5,227 |
| Total domestic deposits to total assets | 92.0339% | 87 |
| Equity capital to assets | 7.5758% | 5,359 |
| Core capital (leverage) ratio | 9.4994% | 4,114 |
| Tier 1 risk-based capital ratio | 17.0609% | 2,083 |
| Total risk-based capital ratio | 17.9476% | 2,145 |
| Memoranda: | ||
| Average total assets | $79,752,330 | 4,519 |
| Average earning assets | $69,079,670 | 4,604 |
| Average equity | $6,025,330 | 5,001 |
| Average total loans | $30,857,670 | 4,905 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6755% | 4,521 |
| Cost of funding earning assets | 0.6038% | 2,039 |
| Net interest margin | 3.0717% | 4,760 |
| Noninterest income to average assets | 0.3692% | 3,665 |
| Noninterest expense to average assets | 2.7041% | 3,030 |
| Loan and lease loss provision to assets | 0.0200% | 3,277 |
| Net operating income to assets | 0.2594% | 5,154 |
| Return on assets (ROA) | 0.2594% | 5,157 |
| Pretax return on assets | 0.2594% | 5,201 |
| Return on Equity (ROE) | 3.4386% | 4,910 |
| Retained earnings to average equity (ytd only) | 3.4386% | 3,830 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6355% | 416 |
| Assets per employee ($millions) | 4.0576% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 2,356 |
| Loan loss allowance to noncurrent loans | 19.1458% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 2.5101% | 368 |
| Noncurrent loans to loans | 6.6702% | 82 |
| Net loans and leases to total assets | 37.1513% | 5,170 |
| Net loans and leases to deposits | 40.1644% | 5,258 |
| Net loans and leases to core deposits | 40.5185% | 5,295 |
| Total domestic deposits to total assets | 92.4980% | 62 |
| Equity capital to assets | 7.1274% | 5,498 |
| Core capital (leverage) ratio | 8.9201% | 4,775 |
| Tier 1 risk-based capital ratio | 16.0526% | 2,448 |
| Total risk-based capital ratio | 16.9177% | 2,549 |
| Memoranda: | ||
| Average total assets | $80,174,000 | 4,564 |
| Average earning assets | $68,235,000 | 4,674 |
| Average equity | $6,049,000 | 5,049 |
| Average total loans | $30,780,500 | 4,955 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8700% | 3,825 |
| Cost of funding earning assets | 0.5879% | 1,688 |
| Net interest margin | 3.2820% | 4,210 |
| Noninterest income to average assets | 0.3755% | 3,785 |
| Noninterest expense to average assets | 2.7662% | 2,900 |
| Loan and lease loss provision to assets | 0.0191% | 3,921 |
| Net operating income to assets | 0.4825% | 4,417 |
| Return on assets (ROA) | 0.5219% | 4,351 |
| Pretax return on assets | 0.5219% | 4,896 |
| Return on Equity (ROE) | 6.3397% | 3,611 |
| Retained earnings to average equity (ytd only) | 2.0101% | 4,113 |
| Net charge-offs to loans | 0.0185% | 3,484 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 65.6667% | 893 |
| Efficiency ratio | 84.6513% | 717 |
| Assets per employee ($millions) | 3.7712% | 4,324 |
| Cash dividends to net income (ytd only)* | 68.2927% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 2,508 |
| Loan loss allowance to noncurrent loans | 59.1118% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 0.8245% | 1,892 |
| Noncurrent loans to loans | 2.1050% | 710 |
| Net loans and leases to total assets | 38.6838% | 5,188 |
| Net loans and leases to deposits | 42.2117% | 5,290 |
| Net loans and leases to core deposits | 42.5967% | 5,327 |
| Total domestic deposits to total assets | 91.6423% | 118 |
| Equity capital to assets | 7.9726% | 5,404 |
| Core capital (leverage) ratio | 9.0382% | 4,601 |
| Tier 1 risk-based capital ratio | 16.2237% | 2,356 |
| Total risk-based capital ratio | 17.0953% | 2,439 |
| Memoranda: | ||
| Average total assets | $78,554,800 | 4,619 |
| Average earning assets | $69,225,200 | 4,680 |
| Average equity | $6,467,200 | 5,029 |
| Average total loans | $32,490,000 | 4,950 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8534% | 3,819 |
| Cost of funding earning assets | 0.5893% | 1,611 |
| Net interest margin | 3.2641% | 4,279 |
| Noninterest income to average assets | 0.3827% | 3,798 |
| Noninterest expense to average assets | 2.7518% | 2,893 |
| Loan and lease loss provision to assets | 0.0187% | 3,769 |
| Net operating income to assets | 0.5136% | 4,694 |
| Return on assets (ROA) | 0.5545% | 4,597 |
| Pretax return on assets | 0.5545% | 4,919 |
| Return on Equity (ROE) | 6.6814% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.6814% | 1,853 |
| Net charge-offs to loans | 0.0040% | 3,599 |
| Credit loss provision to net charge-offs | 1,100.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 313.7744% | 293 |
| Efficiency ratio | 83.7908% | 769 |
| Assets per employee ($millions) | 3.8626% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 3,114 |
| Loan loss allowance to noncurrent loans | 58.4592% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 0.8569% | 2,009 |
| Noncurrent loans to loans | 1.9942% | 857 |
| Net loans and leases to total assets | 42.4701% | 5,095 |
| Net loans and leases to deposits | 46.8506% | 5,230 |
| Net loans and leases to core deposits | 47.2936% | 5,278 |
| Total domestic deposits to total assets | 90.6501% | 275 |
| Equity capital to assets | 8.8994% | 4,999 |
| Core capital (leverage) ratio | 9.2823% | 4,426 |
| Tier 1 risk-based capital ratio | 16.2027% | 2,416 |
| Total risk-based capital ratio | 17.0523% | 2,526 |
| Memoranda: | ||
| Average total assets | $78,394,500 | 4,665 |
| Average earning assets | $69,685,500 | 4,723 |
| Average equity | $6,505,500 | 5,077 |
| Average total loans | $32,857,000 | 4,976 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8355% | 3,774 |
| Cost of funding earning assets | 0.5762% | 1,605 |
| Net interest margin | 3.2593% | 4,242 |
| Noninterest income to average assets | 0.3758% | 3,867 |
| Noninterest expense to average assets | 2.6887% | 3,124 |
| Loan and lease loss provision to assets | 0.0203% | 3,573 |
| Net operating income to assets | 0.5535% | 4,506 |
| Return on assets (ROA) | 0.5966% | 4,368 |
| Pretax return on assets | 0.5966% | 4,816 |
| Return on Equity (ROE) | 7.3641% | 3,359 |
| Retained earnings to average equity (ytd only) | 7.3641% | 1,420 |
| Net charge-offs to loans | 0.0061% | 3,241 |
| Credit loss provision to net charge-offs | 800.0000% | 458 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 372 |
| Efficiency ratio | 82.4125% | 966 |
| Assets per employee ($millions) | 3.9016% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 3,179 |
| Loan loss allowance to noncurrent loans | 58.0060% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 0.8484% | 2,089 |
| Noncurrent loans to loans | 2.0213% | 832 |
| Net loans and leases to total assets | 41.4809% | 5,169 |
| Net loans and leases to deposits | 45.7123% | 5,288 |
| Net loans and leases to core deposits | 46.3081% | 5,333 |
| Total domestic deposits to total assets | 90.7434% | 284 |
| Equity capital to assets | 8.8516% | 5,036 |
| Core capital (leverage) ratio | 9.1110% | 4,603 |
| Tier 1 risk-based capital ratio | 15.4979% | 2,705 |
| Total risk-based capital ratio | 16.3142% | 2,836 |
| Memoranda: | ||
| Average total assets | $78,775,330 | 4,689 |
| Average earning assets | $69,769,330 | 4,752 |
| Average equity | $6,382,330 | 5,131 |
| Average total loans | $32,744,000 | 5,014 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 3,830 |
| Cost of funding earning assets | 0.6165% | 1,259 |
| Net interest margin | 3.1631% | 4,458 |
| Noninterest income to average assets | 0.3891% | 3,747 |
| Noninterest expense to average assets | 2.6785% | 3,224 |
| Loan and lease loss provision to assets | 0.0202% | 3,315 |
| Net operating income to assets | 0.4650% | 4,723 |
| Return on assets (ROA) | 0.4801% | 4,696 |
| Pretax return on assets | 0.4801% | 5,004 |
| Return on Equity (ROE) | 6.2092% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.2092% | 2,231 |
| Net charge-offs to loans | 0.0122% | 2,571 |
| Credit loss provision to net charge-offs | 400.0000% | 650 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 555 |
| Efficiency ratio | 84.6645% | 911 |
| Assets per employee ($millions) | 3.9951% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 3,362 |
| Loan loss allowance to noncurrent loans | 48.1622% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.0425% | 1,744 |
| Noncurrent loans to loans | 2.4088% | 668 |
| Net loans and leases to total assets | 40.5184% | 5,232 |
| Net loans and leases to deposits | 44.1576% | 5,360 |
| Net loans and leases to core deposits | 44.7113% | 5,397 |
| Total domestic deposits to total assets | 91.7587% | 134 |
| Equity capital to assets | 7.8834% | 5,573 |
| Core capital (leverage) ratio | 8.8775% | 4,873 |
| Tier 1 risk-based capital ratio | 14.9251% | 3,002 |
| Total risk-based capital ratio | 15.7183% | 3,147 |
| Memoranda: | ||
| Average total assets | $79,147,500 | 4,727 |
| Average earning assets | $69,425,000 | 4,794 |
| Average equity | $6,120,000 | 5,217 |
| Average total loans | $32,740,000 | 5,069 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7781% | 3,974 |
| Cost of funding earning assets | 0.6484% | 1,065 |
| Net interest margin | 3.1297% | 4,644 |
| Noninterest income to average assets | 0.6350% | 2,479 |
| Noninterest expense to average assets | 2.8437% | 2,863 |
| Loan and lease loss provision to assets | 0.0195% | 3,988 |
| Net operating income to assets | 0.5545% | 4,417 |
| Return on assets (ROA) | 0.6531% | 4,103 |
| Pretax return on assets | 0.6531% | 4,647 |
| Return on Equity (ROE) | 7.2214% | 3,358 |
| Retained earnings to average equity (ytd only) | 2.1966% | 4,280 |
| Net charge-offs to loans | 0.1575% | 1,699 |
| Credit loss provision to net charge-offs | 30.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | 8.8400% | 2,831 |
| Efficiency ratio | 83.2067% | 1,083 |
| Assets per employee ($millions) | 3.9197% | 4,116 |
| Cash dividends to net income (ytd only)* | 69.5825% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 3,418 |
| Loan loss allowance to noncurrent loans | 55.4412% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 0.9236% | 2,053 |
| Noncurrent loans to loans | 2.0779% | 855 |
| Net loans and leases to total assets | 41.2639% | 5,266 |
| Net loans and leases to deposits | 44.8480% | 5,406 |
| Net loans and leases to core deposits | 45.4198% | 5,454 |
| Total domestic deposits to total assets | 92.0082% | 100 |
| Equity capital to assets | 7.5785% | 5,696 |
| Core capital (leverage) ratio | 9.0867% | 4,635 |
| Tier 1 risk-based capital ratio | 14.8868% | 3,016 |
| Total risk-based capital ratio | 15.6823% | 3,155 |
| Memoranda: | ||
| Average total assets | $77,012,000 | 4,793 |
| Average earning assets | $68,472,800 | 4,841 |
| Average equity | $6,965,400 | 5,095 |
| Average total loans | $31,743,600 | 5,142 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 4,014 |
| Cost of funding earning assets | 0.6492% | 1,061 |
| Net interest margin | 3.1219% | 4,715 |
| Noninterest income to average assets | 0.7217% | 2,072 |
| Noninterest expense to average assets | 2.8956% | 2,654 |
| Loan and lease loss provision to assets | 0.0191% | 3,862 |
| Net operating income to assets | 0.6000% | 4,292 |
| Return on assets (ROA) | 0.7043% | 3,955 |
| Pretax return on assets | 0.7043% | 4,596 |
| Return on Equity (ROE) | 7.4775% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.4775% | 1,416 |
| Net charge-offs to loans | 0.2074% | 1,130 |
| Credit loss provision to net charge-offs | 22.4490% | 3,279 |
| Earnings coverage of net charge-offs (x) | 7.2654% | 2,899 |
| Efficiency ratio | 82.3850% | 1,151 |
| Assets per employee ($millions) | 3.7851% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 3,823 |
| Loan loss allowance to noncurrent loans | 74.6507% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8441% | 2,437 |
| Noncurrent loans to loans | 1.4759% | 1,460 |
| Net loans and leases to total assets | 44.3463% | 5,167 |
| Net loans and leases to deposits | 49.5989% | 5,317 |
| Net loans and leases to core deposits | 50.2733% | 5,376 |
| Total domestic deposits to total assets | 89.4098% | 719 |
| Equity capital to assets | 10.0882% | 4,046 |
| Core capital (leverage) ratio | 9.3726% | 4,370 |
| Tier 1 risk-based capital ratio | 15.4469% | 2,851 |
| Total risk-based capital ratio | 16.2375% | 2,985 |
| Memoranda: | ||
| Average total assets | $76,666,750 | 4,832 |
| Average earning assets | $68,590,000 | 4,876 |
| Average equity | $7,221,500 | 5,105 |
| Average total loans | $31,498,250 | 5,201 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 4,166 |
| Cost of funding earning assets | 0.6528% | 1,044 |
| Net interest margin | 3.0835% | 4,876 |
| Noninterest income to average assets | 0.8910% | 1,401 |
| Noninterest expense to average assets | 2.8342% | 2,899 |
| Loan and lease loss provision to assets | 0.0208% | 3,723 |
| Net operating income to assets | 0.7845% | 3,385 |
| Return on assets (ROA) | 0.8755% | 3,095 |
| Pretax return on assets | 0.8755% | 4,042 |
| Return on Equity (ROE) | 9.5157% | 2,266 |
| Retained earnings to average equity (ytd only) | 9.5157% | 711 |
| Net charge-offs to loans | 0.2216% | 1,058 |
| Credit loss provision to net charge-offs | 23.5294% | 2,909 |
| Earnings coverage of net charge-offs (x) | 9.1176% | 2,449 |
| Efficiency ratio | 77.8729% | 1,808 |
| Assets per employee ($millions) | 3.8515% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 3,089 |
| Loan loss allowance to noncurrent loans | 68.8057% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 0.9100% | 2,340 |
| Noncurrent loans to loans | 1.8130% | 1,136 |
| Net loans and leases to total assets | 39.6703% | 5,437 |
| Net loans and leases to deposits | 44.1800% | 5,558 |
| Net loans and leases to core deposits | 44.7658% | 5,603 |
| Total domestic deposits to total assets | 89.7923% | 566 |
| Equity capital to assets | 9.7378% | 4,521 |
| Core capital (leverage) ratio | 9.2252% | 4,555 |
| Tier 1 risk-based capital ratio | 15.6943% | 2,787 |
| Total risk-based capital ratio | 16.5312% | 2,880 |
| Memoranda: | ||
| Average total assets | $76,988,330 | 4,876 |
| Average earning assets | $68,623,670 | 4,917 |
| Average equity | $7,083,000 | 5,177 |
| Average total loans | $30,682,670 | 5,276 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5266% | 4,822 |
| Cost of funding earning assets | 0.6334% | 1,134 |
| Net interest margin | 2.8932% | 5,334 |
| Noninterest income to average assets | 1.4292% | 550 |
| Noninterest expense to average assets | 2.8428% | 2,911 |
| Loan and lease loss provision to assets | 0.0208% | 3,416 |
| Net operating income to assets | 1.2005% | 1,559 |
| Return on assets (ROA) | 1.3512% | 1,202 |
| Pretax return on assets | 1.3512% | 2,087 |
| Return on Equity (ROE) | 15.1295% | 651 |
| Retained earnings to average equity (ytd only) | 15.1295% | 240 |
| Net charge-offs to loans | 0.2095% | 958 |
| Credit loss provision to net charge-offs | 25.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | 14.6875% | 1,687 |
| Efficiency ratio | 69.9488% | 3,141 |
| Assets per employee ($millions) | 3.8593% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,958 |
| Loan loss allowance to noncurrent loans | 69.2042% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 0.9302% | 2,381 |
| Noncurrent loans to loans | 1.8664% | 1,185 |
| Net loans and leases to total assets | 39.6035% | 5,472 |
| Net loans and leases to deposits | 43.8924% | 5,594 |
| Net loans and leases to core deposits | 44.4684% | 5,644 |
| Total domestic deposits to total assets | 90.2287% | 513 |
| Equity capital to assets | 9.3412% | 4,851 |
| Core capital (leverage) ratio | 9.1165% | 4,713 |
| Tier 1 risk-based capital ratio | 15.5794% | 2,873 |
| Total risk-based capital ratio | 16.4495% | 2,999 |
| Memoranda: | ||
| Average total assets | $76,967,500 | 4,919 |
| Average earning assets | $70,096,000 | 4,926 |
| Average equity | $6,874,000 | 5,257 |
| Average total loans | $30,552,000 | 5,319 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 4,021 |
| Cost of funding earning assets | 0.6455% | 1,095 |
| Net interest margin | 3.1621% | 4,748 |
| Noninterest income to average assets | 0.4034% | 4,008 |
| Noninterest expense to average assets | 2.9276% | 2,775 |
| Loan and lease loss provision to assets | 0.0410% | 3,513 |
| Net operating income to assets | 0.3350% | 5,258 |
| Return on assets (ROA) | 0.4239% | 5,056 |
| Pretax return on assets | 0.4239% | 5,275 |
| Return on Equity (ROE) | 4.6673% | 4,674 |
| Retained earnings to average equity (ytd only) | 0.7528% | 5,217 |
| Net charge-offs to loans | -0.0124% | 5,158 |
| Credit loss provision to net charge-offs | -750.0000% | 5,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6175% | 789 |
| Assets per employee ($millions) | 3.8375% | 4,230 |
| Cash dividends to net income (ytd only)* | 83.8710% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 2,573 |
| Loan loss allowance to noncurrent loans | 67.5410% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 0.9121% | 2,383 |
| Noncurrent loans to loans | 2.0242% | 1,025 |
| Net loans and leases to total assets | 38.7283% | 5,592 |
| Net loans and leases to deposits | 42.5620% | 5,690 |
| Net loans and leases to core deposits | 43.1195% | 5,737 |
| Total domestic deposits to total assets | 90.9928% | 281 |
| Equity capital to assets | 8.5186% | 5,551 |
| Core capital (leverage) ratio | 9.2962% | 4,481 |
| Tier 1 risk-based capital ratio | 15.4335% | 2,965 |
| Total risk-based capital ratio | 16.3547% | 3,063 |
| Memoranda: | ||
| Average total assets | $73,131,800 | 5,010 |
| Average earning assets | $67,076,000 | 5,012 |
| Average equity | $6,642,000 | 5,314 |
| Average total loans | $32,205,200 | 5,286 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 3,809 |
| Cost of funding earning assets | 0.6512% | 1,084 |
| Net interest margin | 3.2301% | 4,576 |
| Noninterest income to average assets | 0.4098% | 4,008 |
| Noninterest expense to average assets | 2.9850% | 2,574 |
| Loan and lease loss provision to assets | 0.0406% | 3,396 |
| Net operating income to assets | 0.3507% | 5,314 |
| Return on assets (ROA) | 0.4652% | 5,012 |
| Pretax return on assets | 0.4652% | 5,305 |
| Return on Equity (ROE) | 5.0388% | 4,609 |
| Retained earnings to average equity (ytd only) | 5.0388% | 2,886 |
| Net charge-offs to loans | -0.0163% | 5,135 |
| Credit loss provision to net charge-offs | -550.0000% | 5,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4090% | 806 |
| Assets per employee ($millions) | 3.6189% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 3,671 |
| Loan loss allowance to noncurrent loans | 60.5697% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 1.0459% | 2,263 |
| Noncurrent loans to loans | 1.9785% | 1,174 |
| Net loans and leases to total assets | 46.0215% | 5,227 |
| Net loans and leases to deposits | 51.1683% | 5,409 |
| Net loans and leases to core deposits | 51.8872% | 5,508 |
| Total domestic deposits to total assets | 89.9416% | 593 |
| Equity capital to assets | 9.5003% | 4,750 |
| Core capital (leverage) ratio | 9.7489% | 3,966 |
| Tier 1 risk-based capital ratio | 15.3288% | 3,126 |
| Total risk-based capital ratio | 16.2006% | 3,265 |
| Memoranda: | ||
| Average total assets | $72,227,250 | 5,095 |
| Average earning assets | $66,333,250 | 5,094 |
| Average equity | $6,668,000 | 5,376 |
| Average total loans | $32,722,500 | 5,332 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8032% | 4,055 |
| Cost of funding earning assets | 0.6470% | 1,124 |
| Net interest margin | 3.1562% | 4,806 |
| Noninterest income to average assets | 0.4129% | 3,985 |
| Noninterest expense to average assets | 2.9815% | 2,610 |
| Loan and lease loss provision to assets | 0.0416% | 3,279 |
| Net operating income to assets | 0.2826% | 5,489 |
| Return on assets (ROA) | 0.4627% | 5,024 |
| Pretax return on assets | 0.4627% | 5,320 |
| Return on Equity (ROE) | 5.0616% | 4,589 |
| Retained earnings to average equity (ytd only) | 5.0616% | 2,821 |
| Net charge-offs to loans | -0.0247% | 5,244 |
| Credit loss provision to net charge-offs | -375.0000% | 5,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1928% | 736 |
| Assets per employee ($millions) | 3.5379% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 3,892 |
| Loan loss allowance to noncurrent loans | 61.2654% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 1.0430% | 2,420 |
| Noncurrent loans to loans | 1.9303% | 1,290 |
| Net loans and leases to total assets | 46.8823% | 5,182 |
| Net loans and leases to deposits | 51.9351% | 5,385 |
| Net loans and leases to core deposits | 52.8451% | 5,491 |
| Total domestic deposits to total assets | 90.2711% | 551 |
| Equity capital to assets | 9.1580% | 5,074 |
| Core capital (leverage) ratio | 9.5252% | 4,252 |
| Tier 1 risk-based capital ratio | 15.3190% | 3,189 |
| Total risk-based capital ratio | 16.1854% | 3,325 |
| Memoranda: | ||
| Average total assets | $72,177,330 | 5,154 |
| Average earning assets | $66,154,670 | 5,151 |
| Average equity | $6,598,670 | 5,432 |
| Average total loans | $32,392,330 | 5,392 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 3,725 |
| Cost of funding earning assets | 0.6170% | 1,325 |
| Net interest margin | 3.2585% | 4,388 |
| Noninterest income to average assets | 0.4390% | 3,697 |
| Noninterest expense to average assets | 2.8812% | 2,964 |
| Loan and lease loss provision to assets | 0.0439% | 3,041 |
| Net operating income to assets | 0.4994% | 4,688 |
| Return on assets (ROA) | 0.5104% | 4,750 |
| Pretax return on assets | 0.5104% | 5,154 |
| Return on Equity (ROE) | 5.5873% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.5873% | 2,731 |
| Net charge-offs to loans | -0.0252% | 5,156 |
| Credit loss provision to net charge-offs | -400.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1346% | 1,368 |
| Assets per employee ($millions) | 3.6799% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 3,817 |
| Loan loss allowance to noncurrent loans | 180.4651% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.5517% | 3,835 |
| Noncurrent loans to loans | 0.6780% | 3,586 |
| Net loans and leases to total assets | 42.5574% | 5,444 |
| Net loans and leases to deposits | 47.2613% | 5,606 |
| Net loans and leases to core deposits | 47.4424% | 5,693 |
| Total domestic deposits to total assets | 90.0471% | 730 |
| Equity capital to assets | 9.4433% | 4,816 |
| Core capital (leverage) ratio | 9.3037% | 4,566 |
| Tier 1 risk-based capital ratio | 15.0227% | 3,420 |
| Total risk-based capital ratio | 15.8620% | 3,579 |
| Memoranda: | ||
| Average total assets | $72,887,000 | 5,173 |
| Average earning assets | $66,778,500 | 5,173 |
| Average equity | $6,658,000 | 5,471 |
| Average total loans | $31,803,500 | 5,443 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9996% | 3,731 |
| Cost of funding earning assets | 0.6758% | 1,233 |
| Net interest margin | 3.3238% | 4,494 |
| Noninterest income to average assets | 0.4800% | 3,651 |
| Noninterest expense to average assets | 2.9691% | 2,933 |
| Loan and lease loss provision to assets | 0.0419% | 3,740 |
| Net operating income to assets | 0.4814% | 4,884 |
| Return on assets (ROA) | 0.5776% | 4,552 |
| Pretax return on assets | 0.5776% | 5,005 |
| Return on Equity (ROE) | 7.1835% | 3,530 |
| Retained earnings to average equity (ytd only) | 2.8456% | 4,209 |
| Net charge-offs to loans | 0.0837% | 3,298 |
| Credit loss provision to net charge-offs | 120.0000% | 1,999 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,116 |
| Efficiency ratio | 85.0180% | 1,280 |
| Assets per employee ($millions) | 3.2808% | 5,290 |
| Cash dividends to net income (ytd only)* | 60.3865% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 4,099 |
| Loan loss allowance to noncurrent loans | 96.1832% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 3,183 |
| Noncurrent loans to loans | 1.2321% | 2,392 |
| Net loans and leases to total assets | 43.6704% | 5,484 |
| Net loans and leases to deposits | 48.1979% | 5,675 |
| Net loans and leases to core deposits | 48.3851% | 5,796 |
| Total domestic deposits to total assets | 90.6064% | 492 |
| Equity capital to assets | 8.8200% | 5,466 |
| Core capital (leverage) ratio | 9.3275% | 4,500 |
| Tier 1 risk-based capital ratio | 15.2054% | 3,376 |
| Total risk-based capital ratio | 16.0442% | 3,538 |
| Memoranda: | ||
| Average total assets | $71,672,400 | 5,239 |
| Average earning assets | $64,956,600 | 5,252 |
| Average equity | $5,763,200 | 5,673 |
| Average total loans | $29,870,200 | 5,566 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 3,687 |
| Cost of funding earning assets | 0.6824% | 1,243 |
| Net interest margin | 3.3376% | 4,479 |
| Noninterest income to average assets | 0.5125% | 3,463 |
| Noninterest expense to average assets | 2.9854% | 2,848 |
| Loan and lease loss provision to assets | 0.0429% | 3,542 |
| Net operating income to assets | 0.5013% | 4,867 |
| Return on assets (ROA) | 0.5740% | 4,650 |
| Pretax return on assets | 0.5740% | 5,112 |
| Return on Equity (ROE) | 7.3169% | 3,546 |
| Retained earnings to average equity (ytd only) | 7.3169% | 1,659 |
| Net charge-offs to loans | 0.0590% | 3,365 |
| Credit loss provision to net charge-offs | 176.9231% | 1,410 |
| Earnings coverage of net charge-offs (x) | 22.4651% | 1,630 |
| Efficiency ratio | 84.5829% | 1,320 |
| Assets per employee ($millions) | 3.2175% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 4,353 |
| Loan loss allowance to noncurrent loans | 177.3148% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 4,124 |
| Noncurrent loans to loans | 0.6633% | 3,952 |
| Net loans and leases to total assets | 45.4602% | 5,418 |
| Net loans and leases to deposits | 50.1950% | 5,639 |
| Net loans and leases to core deposits | 50.5919% | 5,761 |
| Total domestic deposits to total assets | 90.5672% | 500 |
| Equity capital to assets | 8.8366% | 5,518 |
| Core capital (leverage) ratio | 9.6321% | 4,184 |
| Tier 1 risk-based capital ratio | 15.4693% | 3,344 |
| Total risk-based capital ratio | 16.3162% | 3,485 |
| Memoranda: | ||
| Average total assets | $71,546,250 | 5,297 |
| Average earning assets | $64,676,000 | 5,312 |
| Average equity | $5,612,500 | 5,769 |
| Average total loans | $29,363,250 | 5,647 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 3,831 |
| Cost of funding earning assets | 0.6931% | 1,223 |
| Net interest margin | 3.2839% | 4,655 |
| Noninterest income to average assets | 0.5766% | 2,949 |
| Noninterest expense to average assets | 3.0947% | 2,520 |
| Loan and lease loss provision to assets | 0.0418% | 3,486 |
| Net operating income to assets | 0.4095% | 5,179 |
| Return on assets (ROA) | 0.4234% | 5,206 |
| Pretax return on assets | 0.4234% | 5,493 |
| Return on Equity (ROE) | 5.6314% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.6314% | 2,554 |
| Net charge-offs to loans | 0.0990% | 2,691 |
| Credit loss provision to net charge-offs | 107.1429% | 1,867 |
| Earnings coverage of net charge-offs (x) | 11.5714% | 2,146 |
| Efficiency ratio | 87.2742% | 1,156 |
| Assets per employee ($millions) | 3.2535% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 4,323 |
| Loan loss allowance to noncurrent loans | 191.7949% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 4,375 |
| Noncurrent loans to loans | 0.6371% | 4,115 |
| Net loans and leases to total assets | 42.2418% | 5,663 |
| Net loans and leases to deposits | 46.3251% | 5,864 |
| Net loans and leases to core deposits | 46.7022% | 5,965 |
| Total domestic deposits to total assets | 91.1856% | 349 |
| Equity capital to assets | 8.2416% | 6,000 |
| Core capital (leverage) ratio | 9.4373% | 4,418 |
| Tier 1 risk-based capital ratio | 15.5516% | 3,335 |
| Total risk-based capital ratio | 16.4018% | 3,503 |
| Memoranda: | ||
| Average total assets | $71,800,000 | 5,343 |
| Average earning assets | $64,923,000 | 5,353 |
| Average equity | $5,398,330 | 5,863 |
| Average total loans | $28,297,000 | 5,729 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1967% | 2,887 |
| Cost of funding earning assets | 0.6727% | 1,424 |
| Net interest margin | 3.5240% | 3,591 |
| Noninterest income to average assets | 0.4005% | 4,182 |
| Noninterest expense to average assets | 3.1650% | 2,337 |
| Loan and lease loss provision to assets | 0.0445% | 3,210 |
| Net operating income to assets | 0.3671% | 5,245 |
| Return on assets (ROA) | 0.3671% | 5,308 |
| Pretax return on assets | 0.3671% | 5,549 |
| Return on Equity (ROE) | 5.1282% | 4,479 |
| Retained earnings to average equity (ytd only) | 5.1282% | 3,038 |
| Net charge-offs to loans | 0.1769% | 1,661 |
| Credit loss provision to net charge-offs | 66.6667% | 2,033 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 2,264 |
| Efficiency ratio | 88.4914% | 1,177 |
| Assets per employee ($millions) | 3.4391% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 3,871 |
| Loan loss allowance to noncurrent loans | 31.2447% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 1.9246% | 1,789 |
| Noncurrent loans to loans | 4.3083% | 594 |
| Net loans and leases to total assets | 37.4443% | 5,985 |
| Net loans and leases to deposits | 40.6864% | 6,146 |
| Net loans and leases to core deposits | 41.0115% | 6,198 |
| Total domestic deposits to total assets | 92.0315% | 237 |
| Equity capital to assets | 7.4160% | 6,338 |
| Core capital (leverage) ratio | 9.1190% | 4,839 |
| Tier 1 risk-based capital ratio | 16.0807% | 3,138 |
| Total risk-based capital ratio | 16.9591% | 3,287 |
| Memoranda: | ||
| Average total assets | $71,912,000 | 5,388 |
| Average earning assets | $64,812,500 | 5,416 |
| Average equity | $5,148,000 | 5,959 |
| Average total loans | $27,141,000 | 5,843 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9620% | 4,232 |
| Cost of funding earning assets | 0.7409% | 1,560 |
| Net interest margin | 3.2211% | 4,928 |
| Noninterest income to average assets | 0.4203% | 4,297 |
| Noninterest expense to average assets | 2.9565% | 3,177 |
| Loan and lease loss provision to assets | 0.0283% | 4,550 |
| Net operating income to assets | 0.3581% | 5,305 |
| Return on assets (ROA) | 0.3821% | 5,324 |
| Pretax return on assets | 0.3821% | 5,530 |
| Return on Equity (ROE) | 4.5593% | 4,862 |
| Retained earnings to average equity (ytd only) | 2.4485% | 4,509 |
| Net charge-offs to loans | 0.3727% | 1,811 |
| Credit loss provision to net charge-offs | 18.5185% | 4,472 |
| Earnings coverage of net charge-offs (x) | 2.5278% | 4,170 |
| Efficiency ratio | 88.4420% | 1,171 |
| Assets per employee ($millions) | 3.4096% | 5,058 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 3,707 |
| Loan loss allowance to noncurrent loans | 36.8577% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 2.3170% | 1,513 |
| Noncurrent loans to loans | 3.7663% | 790 |
| Net loans and leases to total assets | 37.0059% | 6,157 |
| Net loans and leases to deposits | 40.0039% | 6,298 |
| Net loans and leases to core deposits | 40.3248% | 6,351 |
| Total domestic deposits to total assets | 92.5058% | 191 |
| Equity capital to assets | 6.8992% | 6,485 |
| Core capital (leverage) ratio | 9.4467% | 4,345 |
| Tier 1 risk-based capital ratio | 16.4381% | 2,887 |
| Total risk-based capital ratio | 17.3549% | 3,007 |
| Memoranda: | ||
| Average total assets | $70,658,600 | 5,450 |
| Average earning assets | $64,108,800 | 5,463 |
| Average equity | $5,922,000 | 5,838 |
| Average total loans | $28,974,400 | 5,808 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9527% | 4,307 |
| Cost of funding earning assets | 0.7465% | 1,625 |
| Net interest margin | 3.2063% | 4,979 |
| Noninterest income to average assets | 0.3824% | 4,658 |
| Noninterest expense to average assets | 2.7869% | 3,707 |
| Loan and lease loss provision to assets | 0.0284% | 4,442 |
| Net operating income to assets | 0.4866% | 4,857 |
| Return on assets (ROA) | 0.5036% | 4,941 |
| Pretax return on assets | 0.5036% | 5,346 |
| Return on Equity (ROE) | 5.7505% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.7505% | 2,566 |
| Net charge-offs to loans | -0.0362% | 6,211 |
| Credit loss provision to net charge-offs | -187.5000% | 5,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4037% | 1,552 |
| Assets per employee ($millions) | 3.3766% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 3,067 |
| Loan loss allowance to noncurrent loans | 25.0518% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 3.9389% | 799 |
| Noncurrent loans to loans | 6.3303% | 376 |
| Net loans and leases to total assets | 44.4767% | 5,688 |
| Net loans and leases to deposits | 48.5949% | 5,927 |
| Net loans and leases to core deposits | 49.0128% | 6,071 |
| Total domestic deposits to total assets | 91.5255% | 362 |
| Equity capital to assets | 7.8096% | 6,254 |
| Core capital (leverage) ratio | 9.4167% | 4,513 |
| Tier 1 risk-based capital ratio | 17.0511% | 2,688 |
| Total risk-based capital ratio | 18.2631% | 2,663 |
| Memoranda: | ||
| Average total assets | $70,422,750 | 5,515 |
| Average earning assets | $64,122,750 | 5,521 |
| Average equity | $6,167,500 | 5,846 |
| Average total loans | $29,500,500 | 5,843 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8411% | 4,684 |
| Cost of funding earning assets | 0.7658% | 1,612 |
| Net interest margin | 3.0753% | 5,349 |
| Noninterest income to average assets | 0.3754% | 4,709 |
| Noninterest expense to average assets | 2.7092% | 3,995 |
| Loan and lease loss provision to assets | 0.0196% | 4,504 |
| Net operating income to assets | 0.4483% | 5,019 |
| Return on assets (ROA) | 0.4875% | 5,028 |
| Pretax return on assets | 0.4875% | 5,415 |
| Return on Equity (ROE) | 5.3826% | 4,525 |
| Retained earnings to average equity (ytd only) | 5.3826% | 2,821 |
| Net charge-offs to loans | -0.0480% | 6,254 |
| Credit loss provision to net charge-offs | -100.0000% | 5,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2734% | 1,492 |
| Assets per employee ($millions) | 3.4980% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 3,415 |
| Loan loss allowance to noncurrent loans | 25.8715% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 3.6650% | 1,012 |
| Noncurrent loans to loans | 5.9400% | 484 |
| Net loans and leases to total assets | 43.5026% | 5,786 |
| Net loans and leases to deposits | 47.5910% | 6,008 |
| Net loans and leases to core deposits | 47.9842% | 6,130 |
| Total domestic deposits to total assets | 91.4093% | 408 |
| Equity capital to assets | 7.9890% | 6,205 |
| Core capital (leverage) ratio | 9.3612% | 4,452 |
| Tier 1 risk-based capital ratio | 16.5921% | 2,895 |
| Total risk-based capital ratio | 17.7656% | 2,889 |
| Memoranda: | ||
| Average total assets | $71,386,330 | 5,527 |
| Average earning assets | $65,033,330 | 5,528 |
| Average equity | $6,465,330 | 5,821 |
| Average total loans | $29,160,670 | 5,885 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8132% | 4,786 |
| Cost of funding earning assets | 0.7445% | 1,892 |
| Net interest margin | 3.0687% | 5,372 |
| Noninterest income to average assets | 0.3939% | 4,512 |
| Noninterest expense to average assets | 2.5576% | 4,543 |
| Loan and lease loss provision to assets | 0.0222% | 4,188 |
| Net operating income to assets | 0.6269% | 4,094 |
| Return on assets (ROA) | 0.6436% | 4,160 |
| Pretax return on assets | 0.6436% | 4,793 |
| Return on Equity (ROE) | 6.7212% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.7212% | 2,300 |
| Net charge-offs to loans | -0.0707% | 6,280 |
| Credit loss provision to net charge-offs | -80.0000% | 5,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7578% | 2,369 |
| Assets per employee ($millions) | 3.8719% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 3,219 |
| Loan loss allowance to noncurrent loans | 26.4342% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 3.4554% | 1,232 |
| Noncurrent loans to loans | 6.2200% | 523 |
| Net loans and leases to total assets | 38.2169% | 6,136 |
| Net loans and leases to deposits | 42.4147% | 6,295 |
| Net loans and leases to core deposits | 42.5888% | 6,380 |
| Total domestic deposits to total assets | 90.1029% | 983 |
| Equity capital to assets | 9.3153% | 5,111 |
| Core capital (leverage) ratio | 8.9097% | 5,044 |
| Tier 1 risk-based capital ratio | 16.9773% | 2,760 |
| Total risk-based capital ratio | 18.1756% | 2,762 |
| Memoranda: | ||
| Average total assets | $72,100,000 | 5,560 |
| Average earning assets | $66,086,500 | 5,541 |
| Average equity | $6,903,500 | 5,767 |
| Average total loans | $28,286,500 | 5,967 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 3,810 |
| Cost of funding earning assets | 0.9372% | 1,723 |
| Net interest margin | 3.4633% | 4,656 |
| Noninterest income to average assets | 0.4681% | 4,114 |
| Noninterest expense to average assets | 3.1303% | 2,846 |
| Loan and lease loss provision to assets | 0.0626% | 4,986 |
| Net operating income to assets | 0.4040% | 5,088 |
| Return on assets (ROA) | 0.8288% | 3,399 |
| Pretax return on assets | 0.8288% | 4,185 |
| Return on Equity (ROE) | 8.1953% | 3,005 |
| Retained earnings to average equity (ytd only) | 4.6577% | 2,935 |
| Net charge-offs to loans | 0.6095% | 1,914 |
| Credit loss provision to net charge-offs | 22.3404% | 5,255 |
| Earnings coverage of net charge-offs (x) | 1.6649% | 4,605 |
| Efficiency ratio | 87.0286% | 1,329 |
| Assets per employee ($millions) | 3.5317% | 4,952 |
| Cash dividends to net income (ytd only)* | 43.1655% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 3,122 |
| Loan loss allowance to noncurrent loans | 25.1500% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 3.9500% | 1,092 |
| Noncurrent loans to loans | 6.5492% | 507 |
| Net loans and leases to total assets | 38.9719% | 6,229 |
| Net loans and leases to deposits | 43.5450% | 6,395 |
| Net loans and leases to core deposits | 43.7325% | 6,479 |
| Total domestic deposits to total assets | 89.4978% | 1,243 |
| Equity capital to assets | 9.8453% | 4,387 |
| Core capital (leverage) ratio | 9.6476% | 3,893 |
| Tier 1 risk-based capital ratio | 16.9433% | 2,682 |
| Total risk-based capital ratio | 18.1371% | 2,669 |
| Memoranda: | ||
| Average total assets | $67,085,600 | 5,708 |
| Average earning assets | $60,606,200 | 5,722 |
| Average equity | $6,784,400 | 5,822 |
| Average total loans | $30,845,800 | 5,903 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 3,427 |
| Cost of funding earning assets | 0.9722% | 1,727 |
| Net interest margin | 3.5775% | 4,331 |
| Noninterest income to average assets | 0.4814% | 4,051 |
| Noninterest expense to average assets | 3.1218% | 2,822 |
| Loan and lease loss provision to assets | 0.0645% | 4,903 |
| Net operating income to assets | 0.5116% | 4,800 |
| Return on assets (ROA) | 0.9668% | 2,890 |
| Pretax return on assets | 0.9668% | 3,836 |
| Return on Equity (ROE) | 9.4924% | 2,594 |
| Retained earnings to average equity (ytd only) | 9.4924% | 1,068 |
| Net charge-offs to loans | 0.7984% | 1,379 |
| Credit loss provision to net charge-offs | 16.9312% | 4,998 |
| Earnings coverage of net charge-offs (x) | 1.5132% | 4,526 |
| Efficiency ratio | 84.4227% | 1,543 |
| Assets per employee ($millions) | 3.3366% | 5,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 4,291 |
| Loan loss allowance to noncurrent loans | 18.4805% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 4.7399% | 959 |
| Noncurrent loans to loans | 7.6804% | 430 |
| Net loans and leases to total assets | 46.8351% | 5,676 |
| Net loans and leases to deposits | 52.9003% | 5,895 |
| Net loans and leases to core deposits | 53.5080% | 6,081 |
| Total domestic deposits to total assets | 88.5347% | 1,702 |
| Equity capital to assets | 10.7295% | 3,575 |
| Core capital (leverage) ratio | 9.9993% | 3,544 |
| Tier 1 risk-based capital ratio | 16.5437% | 2,972 |
| Total risk-based capital ratio | 17.6539% | 3,023 |
| Memoranda: | ||
| Average total assets | $66,198,750 | 5,808 |
| Average earning assets | $59,518,250 | 5,829 |
| Average equity | $6,742,000 | 5,894 |
| Average total loans | $31,560,250 | 5,945 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8518% | 2,296 |
| Cost of funding earning assets | 1.0023% | 1,748 |
| Net interest margin | 3.8495% | 3,138 |
| Noninterest income to average assets | 0.3635% | 4,927 |
| Noninterest expense to average assets | 2.9839% | 3,323 |
| Loan and lease loss provision to assets | 0.0636% | 4,853 |
| Net operating income to assets | 0.7482% | 3,616 |
| Return on assets (ROA) | 0.8906% | 3,219 |
| Pretax return on assets | 0.8906% | 4,114 |
| Return on Equity (ROE) | 8.9055% | 2,852 |
| Retained earnings to average equity (ytd only) | 8.9055% | 1,306 |
| Net charge-offs to loans | 0.2919% | 2,859 |
| Credit loss provision to net charge-offs | 45.6522% | 4,134 |
| Earnings coverage of net charge-offs (x) | 5.8261% | 2,747 |
| Efficiency ratio | 78.6113% | 2,385 |
| Assets per employee ($millions) | 3.2893% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 2,756 |
| Loan loss allowance to noncurrent loans | 64.3805% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 2.7027% | 2,039 |
| Noncurrent loans to loans | 2.8435% | 2,105 |
| Net loans and leases to total assets | 47.4417% | 5,668 |
| Net loans and leases to deposits | 53.5730% | 5,911 |
| Net loans and leases to core deposits | 54.1934% | 6,083 |
| Total domestic deposits to total assets | 88.5553% | 1,782 |
| Equity capital to assets | 10.6558% | 3,506 |
| Core capital (leverage) ratio | 9.7433% | 3,785 |
| Tier 1 risk-based capital ratio | 15.2729% | 3,589 |
| Total risk-based capital ratio | 16.5238% | 3,554 |
| Memoranda: | ||
| Average total assets | $66,021,000 | 5,846 |
| Average earning assets | $58,865,330 | 5,876 |
| Average equity | $6,602,670 | 5,955 |
| Average total loans | $31,512,330 | 5,988 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 3,448 |
| Cost of funding earning assets | 1.0462% | 1,703 |
| Net interest margin | 3.5664% | 4,411 |
| Noninterest income to average assets | 0.4475% | 4,307 |
| Noninterest expense to average assets | 2.9816% | 3,327 |
| Loan and lease loss provision to assets | 0.0665% | 4,581 |
| Net operating income to assets | 0.5746% | 4,471 |
| Return on assets (ROA) | 0.4959% | 5,052 |
| Pretax return on assets | 0.4959% | 5,440 |
| Return on Equity (ROE) | 5.1258% | 4,728 |
| Retained earnings to average equity (ytd only) | 5.1258% | 3,485 |
| Net charge-offs to loans | 0.5483% | 1,719 |
| Credit loss provision to net charge-offs | 25.5814% | 3,702 |
| Earnings coverage of net charge-offs (x) | 2.4651% | 3,188 |
| Efficiency ratio | 82.3038% | 1,899 |
| Assets per employee ($millions) | 3.3355% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 2,862 |
| Loan loss allowance to noncurrent loans | 55.1294% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 2.9037% | 1,996 |
| Noncurrent loans to loans | 3.3438% | 1,902 |
| Net loans and leases to total assets | 45.8964% | 5,795 |
| Net loans and leases to deposits | 51.2478% | 6,046 |
| Net loans and leases to core deposits | 52.0936% | 6,198 |
| Total domestic deposits to total assets | 89.5576% | 1,331 |
| Equity capital to assets | 9.6029% | 4,649 |
| Core capital (leverage) ratio | 9.4214% | 4,165 |
| Tier 1 risk-based capital ratio | 13.9886% | 4,480 |
| Total risk-based capital ratio | 15.2393% | 4,437 |
| Memoranda: | ||
| Average total assets | $66,138,500 | 5,882 |
| Average earning assets | $58,882,500 | 5,911 |
| Average equity | $6,399,000 | 6,043 |
| Average total loans | $31,372,500 | 6,041 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0407% | 2,705 |
| Cost of funding earning assets | 1.2296% | 1,839 |
| Net interest margin | 3.8111% | 3,767 |
| Noninterest income to average assets | 0.5565% | 3,462 |
| Noninterest expense to average assets | 3.2785% | 2,592 |
| Loan and lease loss provision to assets | 0.1475% | 4,768 |
| Net operating income to assets | 0.5280% | 4,313 |
| Return on assets (ROA) | 0.8397% | 3,033 |
| Pretax return on assets | 0.8397% | 3,823 |
| Return on Equity (ROE) | 8.2134% | 2,800 |
| Retained earnings to average equity (ytd only) | 4.9346% | 2,689 |
| Net charge-offs to loans | 0.4754% | 3,088 |
| Credit loss provision to net charge-offs | 53.6585% | 5,328 |
| Earnings coverage of net charge-offs (x) | 2.4573% | 3,983 |
| Efficiency ratio | 82.9165% | 1,896 |
| Assets per employee ($millions) | 3.2784% | 5,559 |
| Cash dividends to net income (ytd only)* | 39.9202% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9237% | 2,495 |
| Loan loss allowance to noncurrent loans | 52.3727% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 2.7757% | 2,187 |
| Noncurrent loans to loans | 3.6732% | 1,721 |
| Net loans and leases to total assets | 47.1968% | 5,907 |
| Net loans and leases to deposits | 52.8161% | 6,149 |
| Net loans and leases to core deposits | 53.7052% | 6,320 |
| Total domestic deposits to total assets | 89.3607% | 1,328 |
| Equity capital to assets | 9.7487% | 4,517 |
| Core capital (leverage) ratio | 10.2965% | 2,979 |
| Tier 1 risk-based capital ratio | 15.4407% | 3,370 |
| Total risk-based capital ratio | 16.6935% | 3,318 |
| Memoranda: | ||
| Average total assets | $59,661,200 | 6,051 |
| Average earning assets | $53,186,800 | 6,071 |
| Average equity | $6,099,800 | 6,126 |
| Average total loans | $34,497,400 | 5,936 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1885% | 2,249 |
| Cost of funding earning assets | 1.2721% | 1,852 |
| Net interest margin | 3.9164% | 3,299 |
| Noninterest income to average assets | 0.5133% | 3,773 |
| Noninterest expense to average assets | 3.3021% | 2,486 |
| Loan and lease loss provision to assets | 0.1650% | 4,417 |
| Net operating income to assets | 0.5454% | 4,341 |
| Return on assets (ROA) | 0.6531% | 4,025 |
| Pretax return on assets | 0.6531% | 4,635 |
| Return on Equity (ROE) | 6.3051% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.3051% | 2,366 |
| Net charge-offs to loans | 0.9158% | 1,751 |
| Credit loss provision to net charge-offs | 29.7521% | 5,417 |
| Earnings coverage of net charge-offs (x) | 1.2810% | 4,656 |
| Efficiency ratio | 82.2958% | 1,932 |
| Assets per employee ($millions) | 2.9925% | 6,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 4,437 |
| Loan loss allowance to noncurrent loans | 39.9844% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 3.5690% | 1,756 |
| Noncurrent loans to loans | 3.5648% | 1,929 |
| Net loans and leases to total assets | 59.2792% | 4,274 |
| Net loans and leases to deposits | 67.3923% | 4,705 |
| Net loans and leases to core deposits | 69.1282% | 5,048 |
| Total domestic deposits to total assets | 87.9614% | 2,053 |
| Equity capital to assets | 11.0762% | 3,071 |
| Core capital (leverage) ratio | 10.2517% | 3,130 |
| Tier 1 risk-based capital ratio | 14.3183% | 4,119 |
| Total risk-based capital ratio | 15.5017% | 4,126 |
| Memoranda: | ||
| Average total assets | $58,184,500 | 6,143 |
| Average earning assets | $51,985,250 | 6,176 |
| Average equity | $6,026,750 | 6,196 |
| Average total loans | $35,233,500 | 5,959 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2310% | 2,140 |
| Cost of funding earning assets | 1.3038% | 1,919 |
| Net interest margin | 3.9271% | 3,182 |
| Noninterest income to average assets | 0.5206% | 3,699 |
| Noninterest expense to average assets | 3.3212% | 2,493 |
| Loan and lease loss provision to assets | 0.1666% | 4,266 |
| Net operating income to assets | 0.5344% | 4,355 |
| Return on assets (ROA) | 0.5344% | 4,499 |
| Pretax return on assets | 0.5344% | 4,955 |
| Return on Equity (ROE) | 5.2866% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.2866% | 2,820 |
| Net charge-offs to loans | 0.2230% | 3,788 |
| Credit loss provision to net charge-offs | 123.0769% | 2,476 |
| Earnings coverage of net charge-offs (x) | 5.1795% | 2,674 |
| Efficiency ratio | 82.5712% | 2,016 |
| Assets per employee ($millions) | 2.9622% | 6,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9972% | 2,379 |
| Loan loss allowance to noncurrent loans | 65.2215% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 3.8080% | 1,703 |
| Noncurrent loans to loans | 3.0621% | 2,362 |
| Net loans and leases to total assets | 57.3182% | 4,763 |
| Net loans and leases to deposits | 64.7022% | 5,188 |
| Net loans and leases to core deposits | 66.3663% | 5,465 |
| Total domestic deposits to total assets | 88.5877% | 1,795 |
| Equity capital to assets | 10.4519% | 3,571 |
| Core capital (leverage) ratio | 10.3188% | 2,912 |
| Tier 1 risk-based capital ratio | 14.3944% | 3,874 |
| Total risk-based capital ratio | 15.6499% | 3,839 |
| Memoranda: | ||
| Average total assets | $57,629,670 | 6,217 |
| Average earning assets | $51,386,330 | 6,239 |
| Average equity | $5,826,000 | 6,281 |
| Average total loans | $34,981,000 | 6,026 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0607% | 2,814 |
| Cost of funding earning assets | 1.2928% | 2,224 |
| Net interest margin | 3.7679% | 3,767 |
| Noninterest income to average assets | 0.5209% | 3,720 |
| Noninterest expense to average assets | 3.4071% | 2,265 |
| Loan and lease loss provision to assets | 0.1689% | 3,936 |
| Net operating income to assets | 0.3097% | 5,360 |
| Return on assets (ROA) | 0.3097% | 5,429 |
| Pretax return on assets | 0.3097% | 5,625 |
| Return on Equity (ROE) | 3.1189% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.1189% | 4,298 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6812% | 1,552 |
| Assets per employee ($millions) | 3.0472% | 6,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9957% | 2,435 |
| Loan loss allowance to noncurrent loans | 58.2852% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 3.1487% | 2,187 |
| Noncurrent loans to loans | 3.4240% | 2,193 |
| Net loans and leases to total assets | 59.9679% | 4,268 |
| Net loans and leases to deposits | 67.2458% | 4,794 |
| Net loans and leases to core deposits | 67.9193% | 5,298 |
| Total domestic deposits to total assets | 89.1771% | 1,658 |
| Equity capital to assets | 9.7762% | 4,065 |
| Core capital (leverage) ratio | 10.1062% | 3,023 |
| Tier 1 risk-based capital ratio | 13.9680% | 4,094 |
| Total risk-based capital ratio | 15.2229% | 4,065 |
| Memoranda: | ||
| Average total assets | $56,823,000 | 6,286 |
| Average earning assets | $50,744,000 | 6,315 |
| Average equity | $5,643,000 | 6,352 |
| Average total loans | $35,147,000 | 6,072 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7670% | 1,364 |
| Cost of funding earning assets | 1.4443% | 2,995 |
| Net interest margin | 4.3227% | 1,741 |
| Noninterest income to average assets | 1.6955% | 515 |
| Noninterest expense to average assets | 3.4579% | 2,287 |
| Loan and lease loss provision to assets | 1.8800% | 724 |
| Net operating income to assets | 0.2135% | 5,239 |
| Return on assets (ROA) | 0.2135% | 5,400 |
| Pretax return on assets | 0.2135% | 5,460 |
| Return on Equity (ROE) | 1.9514% | 5,398 |
| Retained earnings to average equity (ytd only) | 0.6284% | 5,263 |
| Net charge-offs to loans | 1.5395% | 1,427 |
| Credit loss provision to net charge-offs | 176.7007% | 1,886 |
| Earnings coverage of net charge-offs (x) | 1.9677% | 4,257 |
| Efficiency ratio | 62.2881% | 5,680 |
| Assets per employee ($millions) | 2.9342% | 6,239 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9588% | 2,406 |
| Loan loss allowance to noncurrent loans | 80.9242% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 2.5991% | 2,682 |
| Noncurrent loans to loans | 2.4206% | 3,095 |
| Net loans and leases to total assets | 61.3184% | 4,436 |
| Net loans and leases to deposits | 69.0718% | 4,952 |
| Net loans and leases to core deposits | 69.4394% | 5,498 |
| Total domestic deposits to total assets | 88.7749% | 1,782 |
| Equity capital to assets | 10.0915% | 3,632 |
| Core capital (leverage) ratio | 10.4193% | 2,647 |
| Tier 1 risk-based capital ratio | 13.9825% | 3,883 |
| Total risk-based capital ratio | 15.2362% | 3,847 |
| Memoranda: | ||
| Average total assets | $55,265,200 | 6,360 |
| Average earning assets | $49,297,400 | 6,397 |
| Average equity | $6,047,000 | 6,342 |
| Average total loans | $38,195,200 | 6,002 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6944% | 1,734 |
| Cost of funding earning assets | 1.4479% | 3,291 |
| Net interest margin | 4.2465% | 2,044 |
| Noninterest income to average assets | 1.5136% | 598 |
| Noninterest expense to average assets | 3.4382% | 2,187 |
| Loan and lease loss provision to assets | 1.3999% | 961 |
| Net operating income to assets | 0.4836% | 4,389 |
| Return on assets (ROA) | 0.4836% | 4,587 |
| Pretax return on assets | 0.4836% | 4,985 |
| Return on Equity (ROE) | 4.3343% | 4,624 |
| Retained earnings to average equity (ytd only) | 2.6007% | 4,599 |
| Net charge-offs to loans | 0.0991% | 5,537 |
| Credit loss provision to net charge-offs | 1,996.5517% | 160 |
| Earnings coverage of net charge-offs (x) | 26.8591% | 948 |
| Efficiency ratio | 64.6070% | 5,127 |
| Assets per employee ($millions) | 2.9748% | 6,207 |
| Cash dividends to net income (ytd only)* | 39.9985% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9401% | 2,378 |
| Loan loss allowance to noncurrent loans | 43.2522% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 3.5031% | 2,038 |
| Noncurrent loans to loans | 4.4855% | 1,611 |
| Net loans and leases to total assets | 69.9315% | 2,745 |
| Net loans and leases to deposits | 79.6879% | 3,502 |
| Net loans and leases to core deposits | 80.9660% | 4,386 |
| Total domestic deposits to total assets | 87.7568% | 2,125 |
| Equity capital to assets | 11.1781% | 2,793 |
| Core capital (leverage) ratio | 10.5009% | 2,687 |
| Tier 1 risk-based capital ratio | 13.4363% | 4,239 |
| Total risk-based capital ratio | 14.6917% | 4,191 |
| Memoranda: | ||
| Average total assets | $55,144,000 | 6,443 |
| Average earning assets | $49,451,250 | 6,457 |
| Average equity | $6,152,250 | 6,405 |
| Average total loans | $39,027,000 | 6,045 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7094% | 1,725 |
| Cost of funding earning assets | 1.4540% | 3,538 |
| Net interest margin | 4.2554% | 1,942 |
| Noninterest income to average assets | 1.4227% | 626 |
| Noninterest expense to average assets | 3.3611% | 2,369 |
| Loan and lease loss provision to assets | 2.1176% | 578 |
| Net operating income to assets | -0.2560% | 6,422 |
| Return on assets (ROA) | -0.2560% | 6,464 |
| Pretax return on assets | -0.2560% | 6,379 |
| Return on Equity (ROE) | -2.2962% | 6,446 |
| Retained earnings to average equity (ytd only) | -4.9205% | 6,549 |
| Net charge-offs to loans | 0.0725% | 5,418 |
| Credit loss provision to net charge-offs | 4,135.7143% | 90 |
| Earnings coverage of net charge-offs (x) | 36.3571% | 793 |
| Efficiency ratio | 64.3557% | 5,266 |
| Assets per employee ($millions) | 2.7532% | 6,682 |
| Cash dividends to net income (ytd only)* | -114.2857% | 7,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9627% | 2,275 |
| Loan loss allowance to noncurrent loans | 44.8509% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 3.8174% | 1,820 |
| Noncurrent loans to loans | 4.3761% | 1,684 |
| Net loans and leases to total assets | 72.2977% | 2,324 |
| Net loans and leases to deposits | 82.2385% | 3,230 |
| Net loans and leases to core deposits | 83.5765% | 4,196 |
| Total domestic deposits to total assets | 87.9122% | 2,048 |
| Equity capital to assets | 11.0544% | 2,804 |
| Core capital (leverage) ratio | 10.3532% | 2,772 |
| Tier 1 risk-based capital ratio | 12.7261% | 4,666 |
| Total risk-based capital ratio | 13.9823% | 4,626 |
| Memoranda: | ||
| Average total assets | $54,685,000 | 6,502 |
| Average earning assets | $48,831,670 | 6,514 |
| Average equity | $6,097,000 | 6,438 |
| Average total loans | $38,600,000 | 6,110 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0329% | 916 |
| Cost of funding earning assets | 1.4835% | 3,667 |
| Net interest margin | 4.5494% | 1,047 |
| Noninterest income to average assets | 0.4918% | 4,113 |
| Noninterest expense to average assets | 3.3984% | 2,239 |
| Loan and lease loss provision to assets | 0.4698% | 2,618 |
| Net operating income to assets | 0.6753% | 3,548 |
| Return on assets (ROA) | 0.6753% | 3,666 |
| Pretax return on assets | 0.6753% | 4,317 |
| Return on Equity (ROE) | 6.0308% | 3,866 |
| Retained earnings to average equity (ytd only) | 0.7866% | 5,507 |
| Net charge-offs to loans | 0.0532% | 4,875 |
| Credit loss provision to net charge-offs | 1,280.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 31.2000% | 846 |
| Efficiency ratio | 74.7981% | 3,441 |
| Assets per employee ($millions) | 2.7298% | 6,804 |
| Cash dividends to net income (ytd only)* | 86.9565% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 7,199 |
| Loan loss allowance to noncurrent loans | 26.5027% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 2.6065% | 2,797 |
| Noncurrent loans to loans | 2.9095% | 2,770 |
| Net loans and leases to total assets | 68.5905% | 3,256 |
| Net loans and leases to deposits | 78.1465% | 4,015 |
| Net loans and leases to core deposits | 79.8563% | 4,778 |
| Total domestic deposits to total assets | 87.7718% | 2,199 |
| Equity capital to assets | 11.2208% | 2,565 |
| Core capital (leverage) ratio | 10.5875% | 2,547 |
| Tier 1 risk-based capital ratio | 13.7656% | 3,820 |
| Total risk-based capital ratio | 14.4452% | 4,170 |
| Memoranda: | ||
| Average total assets | $54,495,500 | 6,588 |
| Average earning assets | $48,533,500 | 6,610 |
| Average equity | $6,102,000 | 6,484 |
| Average total loans | $37,596,500 | 6,228 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2864% | 1,054 |
| Cost of funding earning assets | 1.7645% | 4,179 |
| Net interest margin | 4.5219% | 1,132 |
| Noninterest income to average assets | 0.5834% | 3,759 |
| Noninterest expense to average assets | 3.5004% | 2,371 |
| Loan and lease loss provision to assets | 0.0895% | 6,718 |
| Net operating income to assets | 1.1109% | 1,481 |
| Return on assets (ROA) | 0.4212% | 4,146 |
| Pretax return on assets | 0.4212% | 4,431 |
| Return on Equity (ROE) | 3.7187% | 4,197 |
| Retained earnings to average equity (ytd only) | -0.2304% | 4,997 |
| Net charge-offs to loans | 0.0475% | 6,629 |
| Credit loss provision to net charge-offs | 266.6667% | 1,310 |
| Earnings coverage of net charge-offs (x) | 35.7778% | 659 |
| Efficiency ratio | 74.4647% | 3,798 |
| Assets per employee ($millions) | 2.7198% | 6,815 |
| Cash dividends to net income (ytd only)* | 106.1947% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6194% | 7,530 |
| Loan loss allowance to noncurrent loans | 20.2443% | 7,047 |
| Noncurrent assets plus other real estate owned to assets | 2.8090% | 2,493 |
| Noncurrent loans to loans | 3.0597% | 2,509 |
| Net loans and leases to total assets | 68.4297% | 3,602 |
| Net loans and leases to deposits | 78.0929% | 4,350 |
| Net loans and leases to core deposits | 89.1590% | 5,209 |
| Total domestic deposits to total assets | 87.6259% | 2,157 |
| Equity capital to assets | 11.1736% | 2,556 |
| Core capital (leverage) ratio | 10.4852% | 2,626 |
| Tier 1 risk-based capital ratio | 13.8340% | 3,609 |
| Total risk-based capital ratio | 14.3794% | 4,006 |
| Memoranda: | ||
| Average total assets | $53,651,400 | 6,568 |
| Average earning assets | $48,851,200 | 6,568 |
| Average equity | $6,077,400 | 6,578 |
| Average total loans | $37,915,200 | 6,203 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2530% | 1,236 |
| Cost of funding earning assets | 1.7893% | 4,425 |
| Net interest margin | 4.4638% | 1,281 |
| Noninterest income to average assets | 0.5486% | 4,091 |
| Noninterest expense to average assets | 3.4264% | 2,493 |
| Loan and lease loss provision to assets | 0.0898% | 6,472 |
| Net operating income to assets | 1.1446% | 1,596 |
| Return on assets (ROA) | 0.2244% | 5,157 |
| Pretax return on assets | 0.2244% | 5,244 |
| Return on Equity (ROE) | 1.9746% | 5,168 |
| Retained earnings to average equity (ytd only) | 0.6582% | 4,915 |
| Net charge-offs to loans | 0.0631% | 6,071 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | 27.4992% | 989 |
| Efficiency ratio | 73.5152% | 3,952 |
| Assets per employee ($millions) | 2.3093% | 7,496 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5426% | 7,654 |
| Loan loss allowance to noncurrent loans | 20.0000% | 7,091 |
| Noncurrent assets plus other real estate owned to assets | 2.5693% | 2,700 |
| Noncurrent loans to loans | 2.7128% | 2,794 |
| Net loans and leases to total assets | 72.7645% | 2,851 |
| Net loans and leases to deposits | 87.4550% | 3,070 |
| Net loans and leases to core deposits | 99.6713% | 4,412 |
| Total domestic deposits to total assets | 83.2022% | 4,117 |
| Equity capital to assets | 11.1179% | 2,906 |
| Core capital (leverage) ratio | 11.0034% | 2,402 |
| Tier 1 risk-based capital ratio | 13.2794% | 3,999 |
| Total risk-based capital ratio | 13.7723% | 4,478 |
| Memoranda: | ||
| Average total assets | $53,465,250 | 6,623 |
| Average earning assets | $49,254,750 | 6,603 |
| Average equity | $6,077,250 | 6,637 |
| Average total loans | $38,030,250 | 6,244 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2347% | 1,372 |
| Cost of funding earning assets | 1.8268% | 4,623 |
| Net interest margin | 4.4079% | 1,395 |
| Noninterest income to average assets | 0.5491% | 4,045 |
| Noninterest expense to average assets | 3.5143% | 2,295 |
| Loan and lease loss provision to assets | 0.0909% | 6,261 |
| Net operating income to assets | 1.0376% | 1,982 |
| Return on assets (ROA) | -0.3598% | 6,415 |
| Pretax return on assets | -0.3598% | 6,289 |
| Return on Equity (ROE) | -3.1410% | 6,376 |
| Retained earnings to average equity (ytd only) | -5.1248% | 6,319 |
| Net charge-offs to loans | 0.0699% | 5,530 |
| Credit loss provision to net charge-offs | 184.6154% | 2,481 |
| Earnings coverage of net charge-offs (x) | 22.9231% | 1,201 |
| Efficiency ratio | 75.6933% | 3,743 |
| Assets per employee ($millions) | 2.1876% | 7,688 |
| Cash dividends to net income (ytd only)* | -63.1579% | 8,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5404% | 7,740 |
| Loan loss allowance to noncurrent loans | 27.5194% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 2.1180% | 3,036 |
| Noncurrent loans to loans | 1.9637% | 3,573 |
| Net loans and leases to total assets | 74.6662% | 2,525 |
| Net loans and leases to deposits | 85.2644% | 3,687 |
| Net loans and leases to core deposits | 98.6934% | 4,626 |
| Total domestic deposits to total assets | 87.5702% | 1,987 |
| Equity capital to assets | 11.2260% | 2,735 |
| Core capital (leverage) ratio | 10.7374% | 2,621 |
| Tier 1 risk-based capital ratio | 13.1762% | 4,015 |
| Total risk-based capital ratio | 13.6649% | 4,513 |
| Memoranda: | ||
| Average total assets | $52,812,330 | 6,706 |
| Average earning assets | $49,048,330 | 6,670 |
| Average equity | $6,049,000 | 6,695 |
| Average total loans | $37,190,670 | 6,333 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2525% | 1,436 |
| Cost of funding earning assets | 1.9245% | 4,513 |
| Net interest margin | 4.3280% | 1,522 |
| Noninterest income to average assets | 0.5437% | 3,975 |
| Noninterest expense to average assets | 3.5041% | 2,091 |
| Loan and lease loss provision to assets | 0.0906% | 5,797 |
| Net operating income to assets | 0.9742% | 2,425 |
| Return on assets (ROA) | 0.9742% | 2,550 |
| Pretax return on assets | 0.9742% | 3,447 |
| Return on Equity (ROE) | 8.4224% | 2,954 |
| Retained earnings to average equity (ytd only) | 4.5050% | 3,425 |
| Net charge-offs to loans | 0.1552% | 3,718 |
| Credit loss provision to net charge-offs | 85.7143% | 4,091 |
| Earnings coverage of net charge-offs (x) | 10.0714% | 1,983 |
| Efficiency ratio | 76.6942% | 3,368 |
| Assets per employee ($millions) | 2.1689% | 7,753 |
| Cash dividends to net income (ytd only)* | 46.5116% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5481% | 7,755 |
| Loan loss allowance to noncurrent loans | 23.3645% | 6,995 |
| Noncurrent assets plus other real estate owned to assets | 2.3552% | 2,434 |
| Noncurrent loans to loans | 2.3460% | 2,807 |
| Net loans and leases to total assets | 69.7122% | 3,745 |
| Net loans and leases to deposits | 80.1927% | 4,577 |
| Net loans and leases to core deposits | 90.7019% | 5,485 |
| Total domestic deposits to total assets | 86.9309% | 2,253 |
| Equity capital to assets | 11.8973% | 2,326 |
| Core capital (leverage) ratio | 11.1664% | 2,368 |
| Tier 1 risk-based capital ratio | 14.3338% | 3,410 |
| Total risk-based capital ratio | 14.3338% | 4,042 |
| Memoranda: | ||
| Average total assets | $52,967,000 | 6,743 |
| Average earning assets | $49,260,500 | 6,697 |
| Average equity | $6,126,500 | 6,718 |
| Average total loans | $36,078,500 | 6,438 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1453% | 823 |
| Cost of funding earning assets | 2.4657% | 4,386 |
| Net interest margin | 4.6797% | 1,010 |
| Noninterest income to average assets | 0.6412% | 3,544 |
| Noninterest expense to average assets | 3.5361% | 2,300 |
| Loan and lease loss provision to assets | 0.0744% | 6,471 |
| Net operating income to assets | 1.3703% | 1,298 |
| Return on assets (ROA) | 1.4713% | 1,035 |
| Pretax return on assets | 1.4980% | 1,692 |
| Return on Equity (ROE) | 12.8192% | 1,377 |
| Retained earnings to average equity (ytd only) | 0.0166% | 5,229 |
| Net charge-offs to loans | 0.1089% | 5,192 |
| Credit loss provision to net charge-offs | 97.5000% | 5,461 |
| Earnings coverage of net charge-offs (x) | 19.2500% | 1,643 |
| Efficiency ratio | 70.6443% | 4,215 |
| Assets per employee ($millions) | 2.2450% | 7,640 |
| Cash dividends to net income (ytd only)* | 99.8703% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5663% | 7,737 |
| Loan loss allowance to noncurrent loans | 88.2096% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.0486% | 4,197 |
| Noncurrent loans to loans | 0.6420% | 5,441 |
| Net loans and leases to total assets | 65.8259% | 4,888 |
| Net loans and leases to deposits | 75.3095% | 5,681 |
| Net loans and leases to core deposits | 84.9692% | 6,213 |
| Total domestic deposits to total assets | 87.4072% | 1,749 |
| Equity capital to assets | 11.2472% | 2,845 |
| Core capital (leverage) ratio | 11.0831% | 2,522 |
| Tier 1 risk-based capital ratio | 14.2062% | 3,443 |
| Total risk-based capital ratio | 14.2062% | 4,060 |
| Memoranda: | ||
| Average total assets | $52,402,800 | 6,683 |
| Average earning assets | $48,871,000 | 6,642 |
| Average equity | $6,014,400 | 6,796 |
| Average total loans | $36,728,400 | 6,333 |