Home > Fort Davis State Bank > Performance and Condition Ratios
Fort Davis State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2248% | 477 |
| Cost of funding earning assets | 0.9185% | 3,480 |
| Net interest margin | 5.3063% | 235 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 3.2911% | 749 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 1.4096% | 1,202 |
| Return on assets (ROA) | 1.5846% | 852 |
| Pretax return on assets | 1.8994% | 775 |
| Return on Equity (ROE) | 10.3200% | 2,399 |
| Retained earnings to average equity (ytd only) | 10.3229% | 936 |
| Net charge-offs to loans | 0.0219% | 1,891 |
| Credit loss provision to net charge-offs | 3,433.3333% | 147 |
| Earnings coverage of net charge-offs (x) | 246.6667% | 502 |
| Efficiency ratio | 59.9924% | 3,081 |
| Assets per employee ($millions) | 4.6162% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7417% | 4,067 |
| Loan loss allowance to noncurrent loans | 366.4063% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 2,816 |
| Noncurrent loans to loans | 0.2024% | 2,499 |
| Net loans and leases to total assets | 35.7800% | 4,167 |
| Net loans and leases to deposits | 43.2786% | 4,118 |
| Net loans and leases to core deposits | 49.4508% | 4,094 |
| Total domestic deposits to total assets | 82.6700% | 2,967 |
| Equity capital to assets | 16.6478% | 409 |
| Core capital (leverage) ratio | 12.5940% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $150,893,600 | 3,352 |
| Average earning assets | $132,935,400 | 3,416 |
| Average equity | $23,162,200 | 2,618 |
| Average total loans | $54,743,600 | 3,778 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2222% | 408 |
| Cost of funding earning assets | 0.7552% | 3,648 |
| Net interest margin | 5.4670% | 186 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 3.3240% | 701 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 1.5209% | 1,082 |
| Return on assets (ROA) | 1.7159% | 761 |
| Pretax return on assets | 2.0309% | 730 |
| Return on Equity (ROE) | 11.4700% | 2,260 |
| Retained earnings to average equity (ytd only) | 11.4721% | 1,074 |
| Net charge-offs to loans | 0.0076% | 2,137 |
| Credit loss provision to net charge-offs | 9,500.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 746.0000% | 213 |
| Efficiency ratio | 59.0217% | 3,084 |
| Assets per employee ($millions) | 4.5319% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6281% | 4,234 |
| Loan loss allowance to noncurrent loans | 256.2044% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 2,692 |
| Noncurrent loans to loans | 0.2452% | 2,368 |
| Net loans and leases to total assets | 36.0400% | 4,183 |
| Net loans and leases to deposits | 42.1138% | 4,160 |
| Net loans and leases to core deposits | 44.6547% | 4,160 |
| Total domestic deposits to total assets | 85.5800% | 2,324 |
| Equity capital to assets | 14.0009% | 652 |
| Core capital (leverage) ratio | 9.8884% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $144,762,750 | 3,415 |
| Average earning assets | $126,939,250 | 3,483 |
| Average equity | $21,652,000 | 2,714 |
| Average total loans | $52,622,250 | 3,811 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2470% | 329 |
| Cost of funding earning assets | 0.5932% | 3,772 |
| Net interest margin | 5.6539% | 144 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 3.3475% | 652 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | 1.5893% | 964 |
| Return on assets (ROA) | 1.7719% | 687 |
| Pretax return on assets | 2.0980% | 630 |
| Return on Equity (ROE) | 11.5800% | 2,279 |
| Retained earnings to average equity (ytd only) | 11.5784% | 1,064 |
| Net charge-offs to loans | 0.0116% | 1,757 |
| Credit loss provision to net charge-offs | 7,733.3333% | 76 |
| Earnings coverage of net charge-offs (x) | 521.3333% | 283 |
| Efficiency ratio | 57.5604% | 3,250 |
| Assets per employee ($millions) | 4.5462% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5338% | 4,353 |
| Loan loss allowance to noncurrent loans | 805.4054% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 3,093 |
| Noncurrent loans to loans | 0.0663% | 3,227 |
| Net loans and leases to total assets | 37.0100% | 4,144 |
| Net loans and leases to deposits | 43.6895% | 4,114 |
| Net loans and leases to core deposits | 46.2185% | 4,124 |
| Total domestic deposits to total assets | 84.7100% | 2,619 |
| Equity capital to assets | 14.6871% | 552 |
| Core capital (leverage) ratio | 9.0222% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $141,656,000 | 3,464 |
| Average earning assets | $123,738,667 | 3,520 |
| Average equity | $21,678,333 | 2,725 |
| Average total loans | $51,535,000 | 3,839 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9312% | 338 |
| Cost of funding earning assets | 0.3651% | 4,038 |
| Net interest margin | 5.5662% | 137 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 3.3199% | 676 |
| Loan and lease loss provision to assets | 0.4100% | 197 |
| Net operating income to assets | 1.4799% | 1,223 |
| Return on assets (ROA) | 1.6876% | 838 |
| Pretax return on assets | 1.9902% | 793 |
| Return on Equity (ROE) | 10.7900% | 2,547 |
| Retained earnings to average equity (ytd only) | 10.7904% | 1,517 |
| Net charge-offs to loans | 0.0243% | 1,202 |
| Credit loss provision to net charge-offs | 4,666.6667% | 99 |
| Earnings coverage of net charge-offs (x) | 246.6667% | 433 |
| Efficiency ratio | 57.8416% | 3,208 |
| Assets per employee ($millions) | 4.6851% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3940% | 4,501 |
| Loan loss allowance to noncurrent loans | 528.2051% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 3,104 |
| Noncurrent loans to loans | 0.0746% | 3,203 |
| Net loans and leases to total assets | 35.8500% | 4,197 |
| Net loans and leases to deposits | 42.5241% | 4,143 |
| Net loans and leases to core deposits | 44.7669% | 4,148 |
| Total domestic deposits to total assets | 84.3100% | 3,025 |
| Equity capital to assets | 15.1509% | 469 |
| Core capital (leverage) ratio | 9.6796% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $137,472,500 | 3,538 |
| Average earning assets | $119,435,500 | 3,616 |
| Average equity | $21,500,500 | 2,759 |
| Average total loans | $49,391,000 | 3,915 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3759% | 4,666 |
| Cost of funding earning assets | 0.0339% | 4,604 |
| Net interest margin | 1.3420% | 4,648 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.0311% | 4,641 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.2737% | 4,391 |
| Return on assets (ROA) | 0.2737% | 4,368 |
| Pretax return on assets | 0.3123% | 4,371 |
| Return on Equity (ROE) | 3.6400% | 4,216 |
| Retained earnings to average equity (ytd only) | 3.6447% | 3,524 |
| Net charge-offs to loans | 0.0089% | 2,053 |
| Credit loss provision to net charge-offs | 1,625.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 109.2500% | 927 |
| Efficiency ratio | 70.5706% | 1,613 |
| Assets per employee ($millions) | 4.0533% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1484% | 4,589 |
| Loan loss allowance to noncurrent loans | 66.3462% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 2,635 |
| Noncurrent loans to loans | 0.2236% | 2,374 |
| Net loans and leases to total assets | 35.8000% | 4,224 |
| Net loans and leases to deposits | 42.9092% | 4,150 |
| Net loans and leases to core deposits | 44.7342% | 4,160 |
| Total domestic deposits to total assets | 83.4300% | 3,327 |
| Equity capital to assets | 16.1874% | 377 |
| Core capital (leverage) ratio | 9.7476% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $119,100,200 | 3,738 |
| Average earning assets | $109,163,800 | 3,730 |
| Average equity | $8,944,600 | 3,997 |
| Average total loans | $44,861,000 | 3,978 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2891% | 3,209 |
| Cost of funding earning assets | 0.1192% | 4,133 |
| Net interest margin | 3.1699% | 2,712 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 3.3273% | 570 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.4637% | 4,141 |
| Return on assets (ROA) | 0.4637% | 4,087 |
| Pretax return on assets | 0.4637% | 4,194 |
| Return on Equity (ROE) | 9.1000% | 3,001 |
| Retained earnings to average equity (ytd only) | 9.1033% | 1,614 |
| Net charge-offs to loans | 0.0930% | 667 |
| Credit loss provision to net charge-offs | 51.6129% | 1,518 |
| Earnings coverage of net charge-offs (x) | 13.5806% | 1,881 |
| Efficiency ratio | 87.3460% | 407 |
| Assets per employee ($millions) | 3.4112% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 1,794 |
| Loan loss allowance to noncurrent loans | 350.2857% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 2,559 |
| Noncurrent loans to loans | 0.3863% | 1,849 |
| Net loans and leases to total assets | 38.5400% | 4,124 |
| Net loans and leases to deposits | 39.7119% | 4,245 |
| Net loans and leases to core deposits | 41.8748% | 4,226 |
| Total domestic deposits to total assets | 97.0400% | 80 |
| Equity capital to assets | 2.8453% | 4,602 |
| Core capital (leverage) ratio | 8.1687% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5503% | 1,077 |
| Memoranda: | ||
| Average total assets | $116,448,750 | 3,787 |
| Average earning assets | $108,477,250 | 3,767 |
| Average equity | $5,931,750 | 4,376 |
| Average total loans | $44,450,250 | 4,008 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0047% | 3,547 |
| Cost of funding earning assets | 0.1178% | 3,986 |
| Net interest margin | 2.8869% | 3,207 |
| Noninterest income to average assets | 0.9296% | 787 |
| Noninterest expense to average assets | 3.2794% | 567 |
| Loan and lease loss provision to assets | 0.0274% | 2,102 |
| Net operating income to assets | 0.3550% | 4,202 |
| Return on assets (ROA) | 0.3550% | 4,156 |
| Pretax return on assets | 0.3550% | 4,218 |
| Return on Equity (ROE) | 6.0802% | 3,553 |
| Retained earnings to average equity (ytd only) | 6.0802% | 2,310 |
| Net charge-offs to loans | 0.1404% | 466 |
| Credit loss provision to net charge-offs | 51.6129% | 1,484 |
| Earnings coverage of net charge-offs (x) | 7.1935% | 1,863 |
| Efficiency ratio | 89.5550% | 429 |
| Assets per employee ($millions) | 3.4637% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 1,963 |
| Loan loss allowance to noncurrent loans | 352.2989% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 2,651 |
| Noncurrent loans to loans | 0.3827% | 1,990 |
| Net loans and leases to total assets | 39.2425% | 4,114 |
| Net loans and leases to deposits | 40.9852% | 4,232 |
| Net loans and leases to core deposits | 43.3864% | 4,208 |
| Total domestic deposits to total assets | 95.7481% | 95 |
| Equity capital to assets | 4.1530% | 4,609 |
| Core capital (leverage) ratio | 7.9017% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4198% | 1,095 |
| Memoranda: | ||
| Average total assets | $116,605,000 | 3,828 |
| Average earning assets | $110,360,333 | 3,802 |
| Average equity | $6,809,000 | 4,337 |
| Average total loans | $44,165,000 | 4,070 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9283% | 3,462 |
| Cost of funding earning assets | 0.1180% | 3,921 |
| Net interest margin | 2.8103% | 3,107 |
| Noninterest income to average assets | 1.1447% | 527 |
| Noninterest expense to average assets | 3.1760% | 621 |
| Loan and lease loss provision to assets | 0.0543% | 1,408 |
| Net operating income to assets | 0.5843% | 3,448 |
| Return on assets (ROA) | 0.5843% | 3,431 |
| Pretax return on assets | 0.5843% | 3,680 |
| Return on Equity (ROE) | 8.7755% | 2,401 |
| Retained earnings to average equity (ytd only) | 8.7755% | 1,338 |
| Net charge-offs to loans | 0.1747% | 345 |
| Credit loss provision to net charge-offs | 84.2105% | 1,100 |
| Earnings coverage of net charge-offs (x) | 9.8947% | 1,473 |
| Efficiency ratio | 83.2591% | 899 |
| Assets per employee ($millions) | 3.4591% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 1,698 |
| Loan loss allowance to noncurrent loans | 390.6250% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,842 |
| Noncurrent loans to loans | 0.3725% | 2,151 |
| Net loans and leases to total assets | 35.9947% | 4,208 |
| Net loans and leases to deposits | 38.1382% | 4,320 |
| Net loans and leases to core deposits | 40.5310% | 4,298 |
| Total domestic deposits to total assets | 94.3797% | 83 |
| Equity capital to assets | 5.5276% | 4,657 |
| Core capital (leverage) ratio | 7.8677% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0501% | 1,245 |
| Memoranda: | ||
| Average total assets | $117,756,500 | 3,841 |
| Average earning assets | $111,874,500 | 3,800 |
| Average equity | $7,840,000 | 4,282 |
| Average total loans | $43,513,500 | 4,090 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2889% | 3,245 |
| Cost of funding earning assets | 0.1417% | 4,049 |
| Net interest margin | 3.1472% | 2,744 |
| Noninterest income to average assets | 0.6885% | 1,804 |
| Noninterest expense to average assets | 3.3173% | 612 |
| Loan and lease loss provision to assets | 0.0281% | 2,495 |
| Net operating income to assets | 0.3048% | 4,418 |
| Return on assets (ROA) | 0.3048% | 4,438 |
| Pretax return on assets | 0.3048% | 4,489 |
| Return on Equity (ROE) | 3.6082% | 4,274 |
| Retained earnings to average equity (ytd only) | 3.6082% | 3,380 |
| Net charge-offs to loans | 0.0320% | 1,596 |
| Credit loss provision to net charge-offs | 221.4286% | 1,248 |
| Earnings coverage of net charge-offs (x) | 26.2143% | 1,703 |
| Efficiency ratio | 90.8797% | 298 |
| Assets per employee ($millions) | 3.2751% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,812 |
| Loan loss allowance to noncurrent loans | 302.4038% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 2,702 |
| Noncurrent loans to loans | 0.4720% | 1,949 |
| Net loans and leases to total assets | 36.8435% | 4,249 |
| Net loans and leases to deposits | 39.9882% | 4,342 |
| Net loans and leases to core deposits | 42.5511% | 4,323 |
| Total domestic deposits to total assets | 92.1360% | 146 |
| Equity capital to assets | 7.7851% | 4,476 |
| Core capital (leverage) ratio | 7.9004% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6701% | 1,346 |
| Memoranda: | ||
| Average total assets | $110,238,600 | 3,891 |
| Average earning assets | $103,741,600 | 3,867 |
| Average equity | $9,312,000 | 4,209 |
| Average total loans | $43,736,400 | 4,115 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3902% | 3,129 |
| Cost of funding earning assets | 0.1426% | 4,173 |
| Net interest margin | 3.2475% | 2,588 |
| Noninterest income to average assets | 0.6942% | 1,840 |
| Noninterest expense to average assets | 3.3578% | 568 |
| Loan and lease loss provision to assets | 0.0305% | 2,384 |
| Net operating income to assets | 0.3606% | 4,436 |
| Return on assets (ROA) | 0.3606% | 4,466 |
| Pretax return on assets | 0.3606% | 4,537 |
| Return on Equity (ROE) | 4.1803% | 4,275 |
| Retained earnings to average equity (ytd only) | 4.1803% | 3,522 |
| Net charge-offs to loans | 0.0397% | 1,295 |
| Credit loss provision to net charge-offs | 192.3077% | 1,224 |
| Earnings coverage of net charge-offs (x) | 24.4615% | 1,640 |
| Efficiency ratio | 89.5601% | 333 |
| Assets per employee ($millions) | 3.2468% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 2,147 |
| Loan loss allowance to noncurrent loans | 290.2326% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 2,853 |
| Noncurrent loans to loans | 0.4715% | 2,145 |
| Net loans and leases to total assets | 39.5797% | 4,229 |
| Net loans and leases to deposits | 43.1634% | 4,340 |
| Net loans and leases to core deposits | 45.9090% | 4,327 |
| Total domestic deposits to total assets | 91.6974% | 187 |
| Equity capital to assets | 8.1601% | 4,434 |
| Core capital (leverage) ratio | 8.0501% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5430% | 1,467 |
| Memoranda: | ||
| Average total assets | $108,322,250 | 3,959 |
| Average earning assets | $101,900,500 | 3,933 |
| Average equity | $9,345,250 | 4,269 |
| Average total loans | $43,653,250 | 4,173 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4234% | 3,105 |
| Cost of funding earning assets | 0.1381% | 4,295 |
| Net interest margin | 3.2854% | 2,492 |
| Noninterest income to average assets | 0.7076% | 1,780 |
| Noninterest expense to average assets | 3.4087% | 528 |
| Loan and lease loss provision to assets | 0.0413% | 2,184 |
| Net operating income to assets | 0.3397% | 4,476 |
| Return on assets (ROA) | 0.3397% | 4,501 |
| Pretax return on assets | 0.3397% | 4,549 |
| Return on Equity (ROE) | 3.8637% | 4,352 |
| Retained earnings to average equity (ytd only) | 3.8637% | 3,563 |
| Net charge-offs to loans | 0.0605% | 1,009 |
| Credit loss provision to net charge-offs | 169.2308% | 1,117 |
| Earnings coverage of net charge-offs (x) | 15.6154% | 1,631 |
| Efficiency ratio | 89.9455% | 347 |
| Assets per employee ($millions) | 3.0832% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 1,899 |
| Loan loss allowance to noncurrent loans | 127.2541% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 1,869 |
| Noncurrent loans to loans | 1.1139% | 1,082 |
| Net loans and leases to total assets | 38.9113% | 4,335 |
| Net loans and leases to deposits | 42.5375% | 4,444 |
| Net loans and leases to core deposits | 45.3139% | 4,418 |
| Total domestic deposits to total assets | 91.4754% | 233 |
| Equity capital to assets | 8.3697% | 4,309 |
| Core capital (leverage) ratio | 8.2407% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9105% | 1,357 |
| Memoranda: | ||
| Average total assets | $106,550,000 | 3,992 |
| Average earning assets | $99,958,000 | 3,975 |
| Average equity | $9,369,333 | 4,281 |
| Average total loans | $43,003,667 | 4,215 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5010% | 2,924 |
| Cost of funding earning assets | 0.1348% | 4,413 |
| Net interest margin | 3.3662% | 2,201 |
| Noninterest income to average assets | 0.6863% | 1,908 |
| Noninterest expense to average assets | 3.4354% | 507 |
| Loan and lease loss provision to assets | 0.0460% | 2,160 |
| Net operating income to assets | 0.3642% | 4,424 |
| Return on assets (ROA) | 0.3642% | 4,455 |
| Pretax return on assets | 0.3642% | 4,536 |
| Return on Equity (ROE) | 4.0387% | 4,277 |
| Retained earnings to average equity (ytd only) | 4.0387% | 3,490 |
| Net charge-offs to loans | -0.0188% | 3,968 |
| Credit loss provision to net charge-offs | -600.0000% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3320% | 391 |
| Assets per employee ($millions) | 3.1614% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 1,807 |
| Loan loss allowance to noncurrent loans | 129.8755% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 2,044 |
| Noncurrent loans to loans | 1.1086% | 1,207 |
| Net loans and leases to total assets | 39.8671% | 4,355 |
| Net loans and leases to deposits | 43.6410% | 4,436 |
| Net loans and leases to core deposits | 46.0141% | 4,440 |
| Total domestic deposits to total assets | 91.3524% | 277 |
| Equity capital to assets | 8.4838% | 4,130 |
| Core capital (leverage) ratio | 8.7177% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1480% | 1,261 |
| Memoranda: | ||
| Average total assets | $104,327,000 | 4,022 |
| Average earning assets | $97,914,500 | 4,003 |
| Average equity | $9,409,000 | 4,282 |
| Average total loans | $42,600,000 | 4,245 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6131% | 3,774 |
| Cost of funding earning assets | 0.1450% | 4,742 |
| Net interest margin | 3.4682% | 2,567 |
| Noninterest income to average assets | 0.7453% | 1,706 |
| Noninterest expense to average assets | 3.6805% | 541 |
| Loan and lease loss provision to assets | 0.0911% | 3,223 |
| Net operating income to assets | 0.1822% | 4,595 |
| Return on assets (ROA) | 0.2447% | 4,571 |
| Pretax return on assets | 0.2447% | 4,611 |
| Return on Equity (ROE) | 2.5199% | 4,480 |
| Retained earnings to average equity (ytd only) | 2.5199% | 3,587 |
| Net charge-offs to loans | 0.0750% | 1,735 |
| Credit loss provision to net charge-offs | 287.0968% | 1,784 |
| Earnings coverage of net charge-offs (x) | 8.6129% | 2,588 |
| Efficiency ratio | 93.0865% | 291 |
| Assets per employee ($millions) | 2.9755% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,703 |
| Loan loss allowance to noncurrent loans | 131.8966% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 2,195 |
| Noncurrent loans to loans | 1.1121% | 1,279 |
| Net loans and leases to total assets | 40.6358% | 4,418 |
| Net loans and leases to deposits | 45.0264% | 4,495 |
| Net loans and leases to core deposits | 47.6649% | 4,498 |
| Total domestic deposits to total assets | 90.2488% | 471 |
| Equity capital to assets | 9.5871% | 3,529 |
| Core capital (leverage) ratio | 8.8997% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4876% | 1,157 |
| Memoranda: | ||
| Average total assets | $97,677,200 | 4,031 |
| Average earning assets | $90,364,600 | 4,022 |
| Average equity | $9,484,600 | 4,251 |
| Average total loans | $41,333,600 | 4,281 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 3,809 |
| Cost of funding earning assets | 0.1461% | 4,810 |
| Net interest margin | 3.5484% | 2,431 |
| Noninterest income to average assets | 0.7589% | 1,622 |
| Noninterest expense to average assets | 3.7270% | 504 |
| Loan and lease loss provision to assets | 0.0362% | 3,892 |
| Net operating income to assets | 0.2741% | 4,487 |
| Return on assets (ROA) | 0.2741% | 4,531 |
| Pretax return on assets | 0.2741% | 4,574 |
| Return on Equity (ROE) | 2.8133% | 4,427 |
| Retained earnings to average equity (ytd only) | 2.8133% | 3,598 |
| Net charge-offs to loans | 0.0873% | 1,428 |
| Credit loss provision to net charge-offs | 96.2963% | 2,659 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,507 |
| Efficiency ratio | 92.3234% | 298 |
| Assets per employee ($millions) | 2.8279% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 1,991 |
| Loan loss allowance to noncurrent loans | 204.0590% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 3,074 |
| Noncurrent loans to loans | 0.6579% | 2,144 |
| Net loans and leases to total assets | 41.0609% | 4,532 |
| Net loans and leases to deposits | 45.6368% | 4,616 |
| Net loans and leases to core deposits | 48.3781% | 4,616 |
| Total domestic deposits to total assets | 89.9732% | 432 |
| Equity capital to assets | 9.7883% | 3,439 |
| Core capital (leverage) ratio | 8.9355% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7156% | 1,097 |
| Memoranda: | ||
| Average total assets | $96,804,750 | 4,038 |
| Average earning assets | $89,429,000 | 4,032 |
| Average equity | $9,431,000 | 4,274 |
| Average total loans | $41,236,500 | 4,315 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8490% | 3,746 |
| Cost of funding earning assets | 0.1475% | 4,887 |
| Net interest margin | 3.7015% | 2,157 |
| Noninterest income to average assets | 0.7202% | 1,666 |
| Noninterest expense to average assets | 3.7302% | 550 |
| Loan and lease loss provision to assets | 0.0354% | 3,823 |
| Net operating income to assets | 0.3497% | 4,334 |
| Return on assets (ROA) | 0.3497% | 4,389 |
| Pretax return on assets | 0.3497% | 4,472 |
| Return on Equity (ROE) | 3.5954% | 4,219 |
| Retained earnings to average equity (ytd only) | 3.5954% | 3,125 |
| Net charge-offs to loans | 0.1115% | 1,181 |
| Credit loss provision to net charge-offs | 73.9130% | 2,532 |
| Earnings coverage of net charge-offs (x) | 8.0435% | 2,323 |
| Efficiency ratio | 90.6424% | 374 |
| Assets per employee ($millions) | 2.8198% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 2,057 |
| Loan loss allowance to noncurrent loans | 252.5346% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 2,829 |
| Noncurrent loans to loans | 0.5104% | 2,621 |
| Net loans and leases to total assets | 41.3385% | 4,553 |
| Net loans and leases to deposits | 45.7752% | 4,658 |
| Net loans and leases to core deposits | 48.4355% | 4,655 |
| Total domestic deposits to total assets | 90.3076% | 323 |
| Equity capital to assets | 9.4628% | 3,693 |
| Core capital (leverage) ratio | 9.0554% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1380% | 1,221 |
| Memoranda: | ||
| Average total assets | $96,081,333 | 4,049 |
| Average earning assets | $88,126,667 | 4,051 |
| Average equity | $9,345,333 | 4,305 |
| Average total loans | $41,251,000 | 4,331 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 3,130 |
| Cost of funding earning assets | 0.1495% | 4,970 |
| Net interest margin | 4.0774% | 1,184 |
| Noninterest income to average assets | 0.7626% | 1,425 |
| Noninterest expense to average assets | 3.8387% | 592 |
| Loan and lease loss provision to assets | 0.0086% | 3,653 |
| Net operating income to assets | 0.6555% | 3,434 |
| Return on assets (ROA) | 0.6555% | 3,491 |
| Pretax return on assets | 0.6555% | 3,799 |
| Return on Equity (ROE) | 6.6413% | 3,088 |
| Retained earnings to average equity (ytd only) | 6.6413% | 1,667 |
| Net charge-offs to loans | -0.0098% | 4,077 |
| Credit loss provision to net charge-offs | -200.0000% | 3,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2521% | 753 |
| Assets per employee ($millions) | 2.7121% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 1,791 |
| Loan loss allowance to noncurrent loans | 400.7194% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 3,204 |
| Noncurrent loans to loans | 0.3431% | 3,264 |
| Net loans and leases to total assets | 42.0895% | 4,590 |
| Net loans and leases to deposits | 46.7867% | 4,700 |
| Net loans and leases to core deposits | 48.3581% | 4,717 |
| Total domestic deposits to total assets | 89.9604% | 336 |
| Equity capital to assets | 9.8089% | 3,954 |
| Core capital (leverage) ratio | 9.5316% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9991% | 1,150 |
| Memoranda: | ||
| Average total assets | $93,365,500 | 4,081 |
| Average earning assets | $85,643,500 | 4,082 |
| Average equity | $9,215,000 | 4,341 |
| Average total loans | $40,620,500 | 4,361 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3368% | 3,435 |
| Cost of funding earning assets | 0.1490% | 5,049 |
| Net interest margin | 4.1879% | 1,344 |
| Noninterest income to average assets | 0.7848% | 1,491 |
| Noninterest expense to average assets | 3.8377% | 636 |
| Loan and lease loss provision to assets | 0.0788% | 2,418 |
| Net operating income to assets | 0.7454% | 3,716 |
| Return on assets (ROA) | 0.7454% | 3,793 |
| Pretax return on assets | 0.7454% | 4,100 |
| Return on Equity (ROE) | 7.8670% | 3,219 |
| Retained earnings to average equity (ytd only) | 5.1523% | 2,335 |
| Net charge-offs to loans | 0.1608% | 1,248 |
| Credit loss provision to net charge-offs | 112.5000% | 2,231 |
| Earnings coverage of net charge-offs (x) | 11.7656% | 2,466 |
| Efficiency ratio | 82.3198% | 780 |
| Assets per employee ($millions) | 2.4160% | 5,028 |
| Cash dividends to net income (ytd only)* | 34.5081% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 1,573 |
| Loan loss allowance to noncurrent loans | 224.7012% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 2,252 |
| Noncurrent loans to loans | 0.6162% | 2,346 |
| Net loans and leases to total assets | 43.7516% | 4,613 |
| Net loans and leases to deposits | 48.7050% | 4,724 |
| Net loans and leases to core deposits | 50.3971% | 4,749 |
| Total domestic deposits to total assets | 89.8298% | 379 |
| Equity capital to assets | 9.9328% | 3,984 |
| Core capital (leverage) ratio | 9.3811% | 4,187 |
| Tier 1 risk-based capital ratio | 17.0365% | 2,039 |
| Total risk-based capital ratio | 18.1537% | 2,028 |
| Memoranda: | ||
| Average total assets | $91,356,000 | 4,123 |
| Average earning assets | $84,577,600 | 4,113 |
| Average equity | $8,656,400 | 4,426 |
| Average total loans | $39,811,800 | 4,405 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3187% | 3,597 |
| Cost of funding earning assets | 0.1481% | 5,127 |
| Net interest margin | 4.1706% | 1,446 |
| Noninterest income to average assets | 0.7876% | 1,453 |
| Noninterest expense to average assets | 3.7744% | 682 |
| Loan and lease loss provision to assets | 0.0687% | 2,503 |
| Net operating income to assets | 0.8139% | 3,630 |
| Return on assets (ROA) | 0.8139% | 3,711 |
| Pretax return on assets | 0.8139% | 4,092 |
| Return on Equity (ROE) | 8.6954% | 3,012 |
| Retained earnings to average equity (ytd only) | 6.8220% | 1,939 |
| Net charge-offs to loans | 0.2021% | 862 |
| Credit loss provision to net charge-offs | 78.3333% | 2,525 |
| Earnings coverage of net charge-offs (x) | 10.0664% | 2,526 |
| Efficiency ratio | 81.0480% | 828 |
| Assets per employee ($millions) | 2.6133% | 5,043 |
| Cash dividends to net income (ytd only)* | 21.5445% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 2,027 |
| Loan loss allowance to noncurrent loans | 214.6245% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.5510% | 2,354 |
| Noncurrent loans to loans | 0.5997% | 2,483 |
| Net loans and leases to total assets | 45.5301% | 4,632 |
| Net loans and leases to deposits | 50.7266% | 4,756 |
| Net loans and leases to core deposits | 52.4933% | 4,786 |
| Total domestic deposits to total assets | 89.7559% | 352 |
| Equity capital to assets | 9.9424% | 4,078 |
| Core capital (leverage) ratio | 9.5385% | 4,128 |
| Tier 1 risk-based capital ratio | 16.7352% | 2,176 |
| Total risk-based capital ratio | 17.7928% | 2,183 |
| Memoranda: | ||
| Average total assets | $91,243,250 | 4,174 |
| Average earning assets | $84,653,000 | 4,168 |
| Average equity | $8,540,750 | 4,489 |
| Average total loans | $39,582,000 | 4,472 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2739% | 3,717 |
| Cost of funding earning assets | 0.1414% | 5,177 |
| Net interest margin | 4.1325% | 1,516 |
| Noninterest income to average assets | 0.7744% | 1,429 |
| Noninterest expense to average assets | 3.8017% | 661 |
| Loan and lease loss provision to assets | 0.1031% | 1,817 |
| Net operating income to assets | 0.7152% | 3,952 |
| Return on assets (ROA) | 0.7152% | 4,012 |
| Pretax return on assets | 0.7152% | 4,297 |
| Return on Equity (ROE) | 7.8025% | 3,376 |
| Retained earnings to average equity (ytd only) | 5.7920% | 2,373 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2887% | 783 |
| Assets per employee ($millions) | 2.7605% | 5,034 |
| Cash dividends to net income (ytd only)* | 25.7669% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 1,191 |
| Loan loss allowance to noncurrent loans | 121.3280% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.7742% | 1,801 |
| Noncurrent loans to loans | 1.2580% | 1,262 |
| Net loans and leases to total assets | 40.2656% | 4,834 |
| Net loans and leases to deposits | 46.5280% | 4,887 |
| Net loans and leases to core deposits | 48.1145% | 4,910 |
| Total domestic deposits to total assets | 86.5405% | 1,801 |
| Equity capital to assets | 9.1144% | 4,728 |
| Core capital (leverage) ratio | 9.2934% | 4,360 |
| Tier 1 risk-based capital ratio | 16.6806% | 2,183 |
| Total risk-based capital ratio | 17.8784% | 2,144 |
| Memoranda: | ||
| Average total assets | $91,168,670 | 4,199 |
| Average earning assets | $84,840,670 | 4,198 |
| Average equity | $8,356,330 | 4,533 |
| Average total loans | $38,713,330 | 4,526 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 3,336 |
| Cost of funding earning assets | 0.1469% | 5,215 |
| Net interest margin | 4.2245% | 1,251 |
| Noninterest income to average assets | 0.7417% | 1,457 |
| Noninterest expense to average assets | 3.8713% | 613 |
| Loan and lease loss provision to assets | 0.1221% | 1,435 |
| Net operating income to assets | 0.6513% | 4,085 |
| Return on assets (ROA) | 0.6513% | 4,118 |
| Pretax return on assets | 0.6513% | 4,413 |
| Return on Equity (ROE) | 7.0836% | 3,641 |
| Retained earnings to average equity (ytd only) | 4.7716% | 3,015 |
| Net charge-offs to loans | 0.0104% | 2,315 |
| Credit loss provision to net charge-offs | 2,700.0000% | 163 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 448 |
| Efficiency ratio | 83.3496% | 760 |
| Assets per employee ($millions) | 2.8451% | 5,052 |
| Cash dividends to net income (ytd only)* | 32.6389% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 1,344 |
| Loan loss allowance to noncurrent loans | 147.3418% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 1,906 |
| Noncurrent loans to loans | 1.0170% | 1,637 |
| Net loans and leases to total assets | 42.0230% | 4,824 |
| Net loans and leases to deposits | 46.4038% | 4,919 |
| Net loans and leases to core deposits | 47.6694% | 4,944 |
| Total domestic deposits to total assets | 90.5594% | 264 |
| Equity capital to assets | 9.1649% | 4,563 |
| Core capital (leverage) ratio | 9.3615% | 4,304 |
| Tier 1 risk-based capital ratio | 17.0257% | 2,100 |
| Total risk-based capital ratio | 18.2265% | 2,064 |
| Memoranda: | ||
| Average total assets | $88,445,000 | 4,288 |
| Average earning assets | $81,713,000 | 4,284 |
| Average equity | $8,131,500 | 4,601 |
| Average total loans | $38,317,000 | 4,585 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 3,060 |
| Cost of funding earning assets | 0.1461% | 5,181 |
| Net interest margin | 4.1689% | 1,478 |
| Noninterest income to average assets | 0.8828% | 1,219 |
| Noninterest expense to average assets | 3.8947% | 604 |
| Loan and lease loss provision to assets | 0.1929% | 987 |
| Net operating income to assets | 0.6462% | 4,296 |
| Return on assets (ROA) | 0.6462% | 4,303 |
| Pretax return on assets | 0.6462% | 4,543 |
| Return on Equity (ROE) | 7.0771% | 3,798 |
| Retained earnings to average equity (ytd only) | 4.4459% | 3,086 |
| Net charge-offs to loans | 0.5561% | 312 |
| Credit loss provision to net charge-offs | 76.1682% | 2,915 |
| Earnings coverage of net charge-offs (x) | 3.3131% | 3,425 |
| Efficiency ratio | 82.2750% | 779 |
| Assets per employee ($millions) | 2.6014% | 5,177 |
| Cash dividends to net income (ytd only)* | 37.1795% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 1,377 |
| Loan loss allowance to noncurrent loans | 82.7381% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.0752% | 1,254 |
| Noncurrent loans to loans | 1.7781% | 802 |
| Net loans and leases to total assets | 43.3760% | 4,834 |
| Net loans and leases to deposits | 47.9333% | 4,932 |
| Net loans and leases to core deposits | 49.3205% | 4,961 |
| Total domestic deposits to total assets | 90.4924% | 324 |
| Equity capital to assets | 9.2246% | 4,388 |
| Core capital (leverage) ratio | 9.5063% | 4,107 |
| Tier 1 risk-based capital ratio | 17.5086% | 1,900 |
| Total risk-based capital ratio | 18.7024% | 1,868 |
| Memoranda: | ||
| Average total assets | $84,499,800 | 4,349 |
| Average earning assets | $78,054,000 | 4,350 |
| Average equity | $7,715,000 | 4,646 |
| Average total loans | $38,485,200 | 4,600 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 3,131 |
| Cost of funding earning assets | 0.1441% | 5,238 |
| Net interest margin | 4.1116% | 1,595 |
| Noninterest income to average assets | 0.8729% | 1,278 |
| Noninterest expense to average assets | 3.9557% | 554 |
| Loan and lease loss provision to assets | 0.2028% | 850 |
| Net operating income to assets | 0.5117% | 4,735 |
| Return on assets (ROA) | 0.5117% | 4,736 |
| Pretax return on assets | 0.5117% | 4,886 |
| Return on Equity (ROE) | 5.6193% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.9143% | 3,816 |
| Net charge-offs to loans | 0.7898% | 178 |
| Credit loss provision to net charge-offs | 55.8952% | 2,785 |
| Earnings coverage of net charge-offs (x) | 1.9694% | 3,293 |
| Efficiency ratio | 84.7015% | 604 |
| Assets per employee ($millions) | 2.4054% | 5,309 |
| Cash dividends to net income (ytd only)* | 30.3395% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 1,953 |
| Loan loss allowance to noncurrent loans | 110.0000% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.8445% | 1,753 |
| Noncurrent loans to loans | 1.2109% | 1,401 |
| Net loans and leases to total assets | 44.5195% | 4,869 |
| Net loans and leases to deposits | 49.1890% | 4,977 |
| Net loans and leases to core deposits | 50.6384% | 5,002 |
| Total domestic deposits to total assets | 90.5072% | 342 |
| Equity capital to assets | 9.0902% | 4,467 |
| Core capital (leverage) ratio | 9.4990% | 4,174 |
| Tier 1 risk-based capital ratio | 17.3222% | 1,990 |
| Total risk-based capital ratio | 18.4128% | 1,986 |
| Memoranda: | ||
| Average total assets | $84,163,000 | 4,404 |
| Average earning assets | $77,729,000 | 4,402 |
| Average equity | $7,664,000 | 4,702 |
| Average total loans | $38,658,250 | 4,641 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 3,328 |
| Cost of funding earning assets | 0.1392% | 5,285 |
| Net interest margin | 3.9976% | 1,873 |
| Noninterest income to average assets | 0.8746% | 1,256 |
| Noninterest expense to average assets | 4.0069% | 527 |
| Loan and lease loss provision to assets | 0.1450% | 1,320 |
| Net operating income to assets | 0.4088% | 4,942 |
| Return on assets (ROA) | 0.4088% | 4,946 |
| Pretax return on assets | 0.4088% | 5,036 |
| Return on Equity (ROE) | 4.4864% | 4,700 |
| Retained earnings to average equity (ytd only) | 2.8692% | 4,103 |
| Net charge-offs to loans | 1.1316% | 113 |
| Credit loss provision to net charge-offs | 27.7273% | 2,639 |
| Earnings coverage of net charge-offs (x) | 1.0591% | 3,088 |
| Efficiency ratio | 87.8583% | 478 |
| Assets per employee ($millions) | 2.3875% | 5,362 |
| Cash dividends to net income (ytd only)* | 36.0465% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 2,882 |
| Loan loss allowance to noncurrent loans | 93.7238% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.8724% | 1,717 |
| Noncurrent loans to loans | 1.2480% | 1,378 |
| Net loans and leases to total assets | 45.2998% | 4,859 |
| Net loans and leases to deposits | 50.0794% | 4,979 |
| Net loans and leases to core deposits | 51.5645% | 5,006 |
| Total domestic deposits to total assets | 90.4561% | 415 |
| Equity capital to assets | 9.1502% | 4,430 |
| Core capital (leverage) ratio | 9.4526% | 4,175 |
| Tier 1 risk-based capital ratio | 17.0026% | 2,096 |
| Total risk-based capital ratio | 17.9641% | 2,135 |
| Memoranda: | ||
| Average total assets | $84,154,000 | 4,451 |
| Average earning assets | $77,596,000 | 4,446 |
| Average equity | $7,667,670 | 4,756 |
| Average total loans | $38,882,000 | 4,673 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 3,390 |
| Cost of funding earning assets | 0.1376% | 5,325 |
| Net interest margin | 3.9198% | 1,968 |
| Noninterest income to average assets | 0.8478% | 1,309 |
| Noninterest expense to average assets | 3.9787% | 546 |
| Loan and lease loss provision to assets | 0.1421% | 1,326 |
| Net operating income to assets | 0.3694% | 4,985 |
| Return on assets (ROA) | 0.3694% | 4,991 |
| Pretax return on assets | 0.3694% | 5,075 |
| Return on Equity (ROE) | 4.0633% | 4,753 |
| Retained earnings to average equity (ytd only) | 2.5005% | 4,167 |
| Net charge-offs to loans | 2.2567% | 50 |
| Credit loss provision to net charge-offs | 13.5747% | 2,161 |
| Earnings coverage of net charge-offs (x) | 0.4887% | 2,635 |
| Efficiency ratio | 88.6076% | 502 |
| Assets per employee ($millions) | 2.4445% | 5,407 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,512 |
| Loan loss allowance to noncurrent loans | 97.8824% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.7901% | 1,996 |
| Noncurrent loans to loans | 1.1006% | 1,662 |
| Net loans and leases to total assets | 44.6452% | 4,866 |
| Net loans and leases to deposits | 49.2230% | 4,997 |
| Net loans and leases to core deposits | 50.6403% | 5,027 |
| Total domestic deposits to total assets | 90.7000% | 412 |
| Equity capital to assets | 8.9073% | 4,651 |
| Core capital (leverage) ratio | 9.0111% | 4,669 |
| Tier 1 risk-based capital ratio | 16.7441% | 2,195 |
| Total risk-based capital ratio | 17.6303% | 2,269 |
| Memoranda: | ||
| Average total assets | $84,450,500 | 4,489 |
| Average earning assets | $78,473,500 | 4,482 |
| Average equity | $7,678,500 | 4,799 |
| Average total loans | $39,172,500 | 4,720 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3051% | 2,309 |
| Cost of funding earning assets | 0.1430% | 5,301 |
| Net interest margin | 4.1621% | 1,273 |
| Noninterest income to average assets | 0.7765% | 1,657 |
| Noninterest expense to average assets | 4.1211% | 458 |
| Loan and lease loss provision to assets | -0.2125% | 5,583 |
| Net operating income to assets | 0.6634% | 3,761 |
| Return on assets (ROA) | 0.6634% | 3,799 |
| Pretax return on assets | 0.6634% | 4,594 |
| Return on Equity (ROE) | 7.0594% | 3,243 |
| Retained earnings to average equity (ytd only) | 6.2662% | 1,398 |
| Net charge-offs to loans | -0.6527% | 5,616 |
| Credit loss provision to net charge-offs | 63.5688% | 3,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1359% | 428 |
| Assets per employee ($millions) | 2.3151% | 5,510 |
| Cash dividends to net income (ytd only)* | 11.2360% | 3,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 1,314 |
| Loan loss allowance to noncurrent loans | 66.3388% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.2131% | 1,213 |
| Noncurrent loans to loans | 2.3030% | 613 |
| Net loans and leases to total assets | 46.9439% | 4,833 |
| Net loans and leases to deposits | 51.9472% | 4,989 |
| Net loans and leases to core deposits | 53.4868% | 5,019 |
| Total domestic deposits to total assets | 90.3686% | 444 |
| Equity capital to assets | 9.2822% | 4,448 |
| Core capital (leverage) ratio | 9.1940% | 4,403 |
| Tier 1 risk-based capital ratio | 16.5235% | 2,255 |
| Total risk-based capital ratio | 17.7736% | 2,195 |
| Memoranda: | ||
| Average total assets | $80,488,800 | 4,582 |
| Average earning assets | $73,401,000 | 4,588 |
| Average equity | $7,564,400 | 4,849 |
| Average total loans | $41,213,800 | 4,690 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 2,140 |
| Cost of funding earning assets | 0.1420% | 5,361 |
| Net interest margin | 4.1986% | 1,156 |
| Noninterest income to average assets | 0.7404% | 1,829 |
| Noninterest expense to average assets | 4.0095% | 513 |
| Loan and lease loss provision to assets | 0.0451% | 3,196 |
| Net operating income to assets | 0.4914% | 4,755 |
| Return on assets (ROA) | 0.4914% | 4,790 |
| Pretax return on assets | 0.4914% | 5,046 |
| Return on Equity (ROE) | 5.2116% | 4,440 |
| Retained earnings to average equity (ytd only) | 4.6798% | 3,091 |
| Net charge-offs to loans | 0.0481% | 2,476 |
| Credit loss provision to net charge-offs | 180.0000% | 1,475 |
| Earnings coverage of net charge-offs (x) | 21.3995% | 1,917 |
| Efficiency ratio | 88.1985% | 502 |
| Assets per employee ($millions) | 2.2131% | 5,595 |
| Cash dividends to net income (ytd only)* | 10.2043% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,352 |
| Loan loss allowance to noncurrent loans | 122.3005% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6375% | 2,596 |
| Noncurrent loans to loans | 1.0632% | 1,816 |
| Net loans and leases to total assets | 48.2952% | 4,809 |
| Net loans and leases to deposits | 53.5925% | 4,981 |
| Net loans and leases to core deposits | 55.2116% | 5,031 |
| Total domestic deposits to total assets | 90.1155% | 441 |
| Equity capital to assets | 9.4229% | 4,522 |
| Core capital (leverage) ratio | 9.1240% | 4,610 |
| Tier 1 risk-based capital ratio | 16.1703% | 2,428 |
| Total risk-based capital ratio | 17.2786% | 2,431 |
| Memoranda: | ||
| Average total assets | $79,775,500 | 4,636 |
| Average earning assets | $72,308,000 | 4,661 |
| Average equity | $7,521,500 | 4,907 |
| Average total loans | $41,584,500 | 4,727 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 1,961 |
| Cost of funding earning assets | 0.1349% | 5,423 |
| Net interest margin | 4.2199% | 1,040 |
| Noninterest income to average assets | 0.6551% | 2,183 |
| Noninterest expense to average assets | 4.0039% | 526 |
| Loan and lease loss provision to assets | 0.0683% | 2,604 |
| Net operating income to assets | 0.3819% | 5,016 |
| Return on assets (ROA) | 0.3819% | 5,045 |
| Pretax return on assets | 0.3819% | 5,206 |
| Return on Equity (ROE) | 4.0501% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.0501% | 3,298 |
| Net charge-offs to loans | 0.0903% | 1,707 |
| Credit loss provision to net charge-offs | 142.1053% | 1,575 |
| Earnings coverage of net charge-offs (x) | 9.3684% | 2,439 |
| Efficiency ratio | 89.8921% | 460 |
| Assets per employee ($millions) | 2.3860% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,613 |
| Loan loss allowance to noncurrent loans | 123.0952% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 3,084 |
| Noncurrent loans to loans | 1.0251% | 1,917 |
| Net loans and leases to total assets | 48.4403% | 4,796 |
| Net loans and leases to deposits | 53.5652% | 4,985 |
| Net loans and leases to core deposits | 55.1424% | 5,041 |
| Total domestic deposits to total assets | 90.4324% | 380 |
| Equity capital to assets | 9.1233% | 4,778 |
| Core capital (leverage) ratio | 9.2442% | 4,442 |
| Tier 1 risk-based capital ratio | 15.6562% | 2,641 |
| Total risk-based capital ratio | 16.7370% | 2,644 |
| Memoranda: | ||
| Average total assets | $79,072,000 | 4,682 |
| Average earning assets | $71,186,000 | 4,723 |
| Average equity | $7,456,670 | 4,934 |
| Average total loans | $42,090,000 | 4,741 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5370% | 1,285 |
| Cost of funding earning assets | 0.1341% | 5,469 |
| Net interest margin | 4.4029% | 633 |
| Noninterest income to average assets | 1.1607% | 750 |
| Noninterest expense to average assets | 4.0649% | 501 |
| Loan and lease loss provision to assets | 0.1353% | 1,415 |
| Net operating income to assets | 0.8900% | 2,816 |
| Return on assets (ROA) | 0.8900% | 2,861 |
| Pretax return on assets | 0.8900% | 3,808 |
| Return on Equity (ROE) | 9.2739% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.2739% | 991 |
| Net charge-offs to loans | 0.2251% | 798 |
| Credit loss provision to net charge-offs | 108.3333% | 1,489 |
| Earnings coverage of net charge-offs (x) | 8.2083% | 2,078 |
| Efficiency ratio | 79.8569% | 1,403 |
| Assets per employee ($millions) | 2.4449% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 3,251 |
| Loan loss allowance to noncurrent loans | 98.6486% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.0436% | 1,735 |
| Noncurrent loans to loans | 1.1972% | 1,685 |
| Net loans and leases to total assets | 52.9939% | 4,426 |
| Net loans and leases to deposits | 58.7243% | 4,650 |
| Net loans and leases to core deposits | 60.5163% | 4,749 |
| Total domestic deposits to total assets | 90.2418% | 562 |
| Equity capital to assets | 9.3293% | 4,470 |
| Core capital (leverage) ratio | 9.9438% | 3,571 |
| Tier 1 risk-based capital ratio | 15.1895% | 2,880 |
| Total risk-based capital ratio | 16.2233% | 2,904 |
| Memoranda: | ||
| Average total assets | $76,852,500 | 4,773 |
| Average earning assets | $68,591,500 | 4,817 |
| Average equity | $7,375,500 | 4,989 |
| Average total loans | $42,650,000 | 4,769 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 2,805 |
| Cost of funding earning assets | 0.1382% | 5,496 |
| Net interest margin | 3.9739% | 1,717 |
| Noninterest income to average assets | 1.2510% | 727 |
| Noninterest expense to average assets | 4.0363% | 570 |
| Loan and lease loss provision to assets | 0.0668% | 3,032 |
| Net operating income to assets | 0.7591% | 3,497 |
| Return on assets (ROA) | 0.7591% | 3,607 |
| Pretax return on assets | 0.7591% | 4,305 |
| Return on Equity (ROE) | 7.4005% | 3,269 |
| Retained earnings to average equity (ytd only) | 1.3420% | 4,738 |
| Net charge-offs to loans | 0.1989% | 1,392 |
| Credit loss provision to net charge-offs | 65.7895% | 3,173 |
| Earnings coverage of net charge-offs (x) | 8.1316% | 2,919 |
| Efficiency ratio | 83.0126% | 1,096 |
| Assets per employee ($millions) | 2.2135% | 5,758 |
| Cash dividends to net income (ytd only)* | 81.8662% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 3,070 |
| Loan loss allowance to noncurrent loans | 95.6767% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.3636% | 1,264 |
| Noncurrent loans to loans | 1.2636% | 1,624 |
| Net loans and leases to total assets | 56.9410% | 4,171 |
| Net loans and leases to deposits | 63.9552% | 4,417 |
| Net loans and leases to core deposits | 66.1429% | 4,519 |
| Total domestic deposits to total assets | 89.0326% | 1,104 |
| Equity capital to assets | 9.8927% | 3,828 |
| Core capital (leverage) ratio | 9.8891% | 3,644 |
| Tier 1 risk-based capital ratio | 15.1234% | 2,911 |
| Total risk-based capital ratio | 16.1722% | 2,940 |
| Memoranda: | ||
| Average total assets | $74,821,200 | 4,833 |
| Average earning assets | $67,993,600 | 4,849 |
| Average equity | $7,675,200 | 4,983 |
| Average total loans | $38,203,000 | 4,939 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 3,147 |
| Cost of funding earning assets | 0.1361% | 5,578 |
| Net interest margin | 3.8840% | 2,037 |
| Noninterest income to average assets | 1.3339% | 660 |
| Noninterest expense to average assets | 3.9929% | 595 |
| Loan and lease loss provision to assets | 0.0602% | 3,050 |
| Net operating income to assets | 0.8184% | 3,285 |
| Return on assets (ROA) | 0.8184% | 3,420 |
| Pretax return on assets | 0.8184% | 4,252 |
| Return on Equity (ROE) | 7.9099% | 3,055 |
| Retained earnings to average equity (ytd only) | 7.9099% | 1,213 |
| Net charge-offs to loans | 0.2614% | 896 |
| Credit loss provision to net charge-offs | 46.5753% | 3,080 |
| Earnings coverage of net charge-offs (x) | 6.7946% | 2,964 |
| Efficiency ratio | 81.9636% | 1,193 |
| Assets per employee ($millions) | 2.3818% | 5,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,914 |
| Loan loss allowance to noncurrent loans | 188.5932% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.9538% | 2,173 |
| Noncurrent loans to loans | 0.6665% | 3,032 |
| Net loans and leases to total assets | 51.1172% | 4,725 |
| Net loans and leases to deposits | 57.4714% | 4,907 |
| Net loans and leases to core deposits | 59.7708% | 4,942 |
| Total domestic deposits to total assets | 88.9437% | 937 |
| Equity capital to assets | 10.5262% | 3,536 |
| Core capital (leverage) ratio | 10.2009% | 3,331 |
| Tier 1 risk-based capital ratio | 16.5264% | 2,406 |
| Total risk-based capital ratio | 17.5911% | 2,433 |
| Memoranda: | ||
| Average total assets | $75,265,500 | 4,865 |
| Average earning assets | $68,552,500 | 4,877 |
| Average equity | $7,787,500 | 5,019 |
| Average total loans | $37,228,500 | 5,019 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 3,350 |
| Cost of funding earning assets | 0.1314% | 5,678 |
| Net interest margin | 3.8379% | 2,183 |
| Noninterest income to average assets | 1.4864% | 535 |
| Noninterest expense to average assets | 3.9414% | 638 |
| Loan and lease loss provision to assets | 0.0854% | 2,441 |
| Net operating income to assets | 0.9660% | 2,545 |
| Return on assets (ROA) | 0.9660% | 2,688 |
| Pretax return on assets | 0.9660% | 3,721 |
| Return on Equity (ROE) | 9.3916% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.3916% | 746 |
| Net charge-offs to loans | 0.3837% | 594 |
| Credit loss provision to net charge-offs | 45.7143% | 2,712 |
| Earnings coverage of net charge-offs (x) | 5.6286% | 2,837 |
| Efficiency ratio | 78.9417% | 1,649 |
| Assets per employee ($millions) | 2.2626% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 2,581 |
| Loan loss allowance to noncurrent loans | 90.6934% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.6232% | 1,129 |
| Noncurrent loans to loans | 1.4757% | 1,489 |
| Net loans and leases to total assets | 49.0699% | 4,905 |
| Net loans and leases to deposits | 55.2691% | 5,065 |
| Net loans and leases to core deposits | 57.5289% | 5,095 |
| Total domestic deposits to total assets | 88.7835% | 1,020 |
| Equity capital to assets | 10.6995% | 3,398 |
| Core capital (leverage) ratio | 10.1320% | 3,409 |
| Tier 1 risk-based capital ratio | 17.0665% | 2,192 |
| Total risk-based capital ratio | 18.1828% | 2,199 |
| Memoranda: | ||
| Average total assets | $74,947,670 | 4,913 |
| Average earning assets | $68,475,000 | 4,921 |
| Average equity | $7,709,000 | 5,072 |
| Average total loans | $36,485,670 | 5,087 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8898% | 3,622 |
| Cost of funding earning assets | 0.1400% | 5,675 |
| Net interest margin | 3.7498% | 2,480 |
| Noninterest income to average assets | 1.3850% | 579 |
| Noninterest expense to average assets | 3.9474% | 642 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8630% | 2,930 |
| Return on assets (ROA) | 0.8630% | 3,043 |
| Pretax return on assets | 0.8630% | 3,990 |
| Return on Equity (ROE) | 8.5612% | 2,628 |
| Retained earnings to average equity (ytd only) | 8.5612% | 1,243 |
| Net charge-offs to loans | 0.0553% | 1,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 32.4000% | 1,142 |
| Efficiency ratio | 82.0598% | 1,365 |
| Assets per employee ($millions) | 2.2275% | 5,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 2,222 |
| Loan loss allowance to noncurrent loans | 64.6341% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.9595% | 903 |
| Noncurrent loans to loans | 2.2364% | 911 |
| Net loans and leases to total assets | 47.7137% | 4,989 |
| Net loans and leases to deposits | 53.4019% | 5,139 |
| Net loans and leases to core deposits | 55.5366% | 5,160 |
| Total domestic deposits to total assets | 89.3484% | 922 |
| Equity capital to assets | 10.1604% | 3,889 |
| Core capital (leverage) ratio | 9.9177% | 3,640 |
| Tier 1 risk-based capital ratio | 17.1103% | 2,247 |
| Total risk-based capital ratio | 18.3359% | 2,220 |
| Memoranda: | ||
| Average total assets | $75,088,000 | 4,955 |
| Average earning assets | $68,590,000 | 4,965 |
| Average equity | $7,569,000 | 5,126 |
| Average total loans | $36,160,500 | 5,139 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9179% | 3,646 |
| Cost of funding earning assets | 0.1470% | 5,703 |
| Net interest margin | 3.7710% | 2,478 |
| Noninterest income to average assets | 1.0374% | 1,098 |
| Noninterest expense to average assets | 4.1620% | 560 |
| Loan and lease loss provision to assets | 0.0028% | 4,333 |
| Net operating income to assets | 0.2749% | 5,427 |
| Return on assets (ROA) | 0.2749% | 5,503 |
| Pretax return on assets | 0.2749% | 5,576 |
| Return on Equity (ROE) | 2.7320% | 5,392 |
| Retained earnings to average equity (ytd only) | 2.7320% | 4,129 |
| Net charge-offs to loans | 0.0291% | 3,641 |
| Credit loss provision to net charge-offs | 20.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | 20.1000% | 1,899 |
| Efficiency ratio | 93.7461% | 497 |
| Assets per employee ($millions) | 2.4013% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 2,006 |
| Loan loss allowance to noncurrent loans | 160.1796% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.3407% | 1,575 |
| Noncurrent loans to loans | 0.9368% | 2,464 |
| Net loans and leases to total assets | 47.1783% | 5,078 |
| Net loans and leases to deposits | 52.7129% | 5,242 |
| Net loans and leases to core deposits | 54.8501% | 5,264 |
| Total domestic deposits to total assets | 89.5004% | 856 |
| Equity capital to assets | 9.9985% | 3,957 |
| Core capital (leverage) ratio | 10.0494% | 3,441 |
| Tier 1 risk-based capital ratio | 17.3305% | 2,170 |
| Total risk-based capital ratio | 18.5807% | 2,124 |
| Memoranda: | ||
| Average total assets | $72,393,200 | 5,033 |
| Average earning assets | $65,315,000 | 5,054 |
| Average equity | $7,284,000 | 5,192 |
| Average total loans | $34,388,200 | 5,209 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 3,869 |
| Cost of funding earning assets | 0.1526% | 5,759 |
| Net interest margin | 3.7138% | 2,705 |
| Noninterest income to average assets | 1.0387% | 1,105 |
| Noninterest expense to average assets | 4.1475% | 563 |
| Loan and lease loss provision to assets | 0.0019% | 4,207 |
| Net operating income to assets | 0.2300% | 5,617 |
| Return on assets (ROA) | 0.2300% | 5,686 |
| Pretax return on assets | 0.2300% | 5,749 |
| Return on Equity (ROE) | 2.2822% | 5,610 |
| Retained earnings to average equity (ytd only) | 2.2822% | 4,745 |
| Net charge-offs to loans | 0.0470% | 2,956 |
| Credit loss provision to net charge-offs | 8.3333% | 3,463 |
| Earnings coverage of net charge-offs (x) | 10.4163% | 2,598 |
| Efficiency ratio | 94.7056% | 464 |
| Assets per employee ($millions) | 2.1392% | 6,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 2,434 |
| Loan loss allowance to noncurrent loans | 63.4088% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.6474% | 1,333 |
| Noncurrent loans to loans | 2.2625% | 956 |
| Net loans and leases to total assets | 51.7764% | 4,773 |
| Net loans and leases to deposits | 58.2134% | 4,987 |
| Net loans and leases to core deposits | 60.7180% | 5,019 |
| Total domestic deposits to total assets | 88.9424% | 1,052 |
| Equity capital to assets | 10.4499% | 3,650 |
| Core capital (leverage) ratio | 9.9713% | 3,674 |
| Tier 1 risk-based capital ratio | 17.1185% | 2,328 |
| Total risk-based capital ratio | 18.3687% | 2,275 |
| Memoranda: | ||
| Average total assets | $71,881,250 | 5,105 |
| Average earning assets | $64,657,750 | 5,132 |
| Average equity | $7,244,250 | 5,269 |
| Average total loans | $34,071,500 | 5,280 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 4,173 |
| Cost of funding earning assets | 0.1511% | 5,837 |
| Net interest margin | 3.6200% | 3,013 |
| Noninterest income to average assets | 1.0317% | 1,117 |
| Noninterest expense to average assets | 4.0990% | 608 |
| Loan and lease loss provision to assets | 0.0028% | 4,028 |
| Net operating income to assets | 0.1770% | 5,746 |
| Return on assets (ROA) | 0.1770% | 5,809 |
| Pretax return on assets | 0.1770% | 5,853 |
| Return on Equity (ROE) | 1.7778% | 5,738 |
| Retained earnings to average equity (ytd only) | 1.7778% | 4,811 |
| Net charge-offs to loans | 0.0544% | 2,636 |
| Credit loss provision to net charge-offs | 11.1111% | 3,089 |
| Earnings coverage of net charge-offs (x) | 7.2222% | 2,695 |
| Efficiency ratio | 95.7983% | 443 |
| Assets per employee ($millions) | 2.1761% | 6,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 1,849 |
| Loan loss allowance to noncurrent loans | 77.8748% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.8841% | 1,212 |
| Noncurrent loans to loans | 2.0792% | 1,157 |
| Net loans and leases to total assets | 45.2660% | 5,300 |
| Net loans and leases to deposits | 50.6695% | 5,470 |
| Net loans and leases to core deposits | 52.7969% | 5,495 |
| Total domestic deposits to total assets | 89.3359% | 985 |
| Equity capital to assets | 9.9915% | 4,052 |
| Core capital (leverage) ratio | 9.7836% | 3,885 |
| Tier 1 risk-based capital ratio | 17.7930% | 2,131 |
| Total risk-based capital ratio | 19.0433% | 2,083 |
| Memoranda: | ||
| Average total assets | $72,310,330 | 5,147 |
| Average earning assets | $64,862,330 | 5,180 |
| Average equity | $7,200,000 | 5,319 |
| Average total loans | $33,067,670 | 5,369 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6412% | 4,563 |
| Cost of funding earning assets | 0.1530% | 5,910 |
| Net interest margin | 3.4882% | 3,487 |
| Noninterest income to average assets | 0.9868% | 1,145 |
| Noninterest expense to average assets | 4.2172% | 545 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0882% | 6,092 |
| Return on assets (ROA) | -0.0882% | 6,121 |
| Pretax return on assets | -0.0882% | 6,111 |
| Return on Equity (ROE) | -0.8873% | 6,118 |
| Retained earnings to average equity (ytd only) | -0.8873% | 5,533 |
| Net charge-offs to loans | 0.0121% | 2,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -16.0000% | 3,257 |
| Efficiency ratio | 102.1362% | 312 |
| Assets per employee ($millions) | 2.2346% | 6,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 1,887 |
| Loan loss allowance to noncurrent loans | 24.9770% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 3.8458% | 401 |
| Noncurrent loans to loans | 6.6006% | 148 |
| Net loans and leases to total assets | 43.8475% | 5,363 |
| Net loans and leases to deposits | 48.9917% | 5,517 |
| Net loans and leases to core deposits | 50.9847% | 5,542 |
| Total domestic deposits to total assets | 89.4999% | 993 |
| Equity capital to assets | 9.8641% | 4,306 |
| Core capital (leverage) ratio | 9.6559% | 4,066 |
| Tier 1 risk-based capital ratio | 17.6394% | 2,257 |
| Total risk-based capital ratio | 18.8905% | 2,217 |
| Memoranda: | ||
| Average total assets | $72,560,000 | 5,181 |
| Average earning assets | $65,363,000 | 5,221 |
| Average equity | $7,212,500 | 5,362 |
| Average total loans | $33,081,000 | 5,401 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8860% | 4,179 |
| Cost of funding earning assets | 0.1659% | 6,004 |
| Net interest margin | 3.7202% | 2,925 |
| Noninterest income to average assets | 0.9273% | 1,422 |
| Noninterest expense to average assets | 4.7109% | 388 |
| Loan and lease loss provision to assets | 0.0731% | 3,019 |
| Net operating income to assets | -0.5460% | 6,308 |
| Return on assets (ROA) | -0.4558% | 6,287 |
| Pretax return on assets | -0.4558% | 6,275 |
| Return on Equity (ROE) | -4.3545% | 6,274 |
| Retained earnings to average equity (ytd only) | -4.3545% | 6,153 |
| Net charge-offs to loans | 0.9575% | 328 |
| Credit loss provision to net charge-offs | 16.1905% | 4,021 |
| Earnings coverage of net charge-offs (x) | -1.0476% | 4,802 |
| Efficiency ratio | 111.1600% | 203 |
| Assets per employee ($millions) | 2.1630% | 6,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6313% | 1,986 |
| Loan loss allowance to noncurrent loans | 24.3826% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 4.2828% | 381 |
| Noncurrent loans to loans | 6.6905% | 153 |
| Net loans and leases to total assets | 45.8727% | 5,333 |
| Net loans and leases to deposits | 51.3656% | 5,519 |
| Net loans and leases to core deposits | 53.7979% | 5,512 |
| Total domestic deposits to total assets | 89.3062% | 1,066 |
| Equity capital to assets | 10.0185% | 4,092 |
| Core capital (leverage) ratio | 9.9708% | 3,613 |
| Tier 1 risk-based capital ratio | 17.6853% | 2,245 |
| Total risk-based capital ratio | 18.9369% | 2,212 |
| Memoranda: | ||
| Average total assets | $69,774,000 | 5,299 |
| Average earning assets | $62,094,200 | 5,338 |
| Average equity | $7,302,800 | 5,349 |
| Average total loans | $32,899,200 | 5,453 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9031% | 4,160 |
| Cost of funding earning assets | 0.1664% | 6,085 |
| Net interest margin | 3.7367% | 2,866 |
| Noninterest income to average assets | 1.0686% | 1,073 |
| Noninterest expense to average assets | 4.6511% | 401 |
| Loan and lease loss provision to assets | 0.0038% | 4,334 |
| Net operating income to assets | -0.2633% | 6,298 |
| Return on assets (ROA) | -0.1422% | 6,248 |
| Pretax return on assets | -0.1422% | 6,228 |
| Return on Equity (ROE) | -1.3440% | 6,247 |
| Retained earnings to average equity (ytd only) | -1.3440% | 6,009 |
| Net charge-offs to loans | 0.0610% | 3,338 |
| Credit loss provision to net charge-offs | 13.3333% | 3,664 |
| Earnings coverage of net charge-offs (x) | -9.0000% | 4,629 |
| Efficiency ratio | 105.9081% | 271 |
| Assets per employee ($millions) | 2.0606% | 6,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4619% | 673 |
| Loan loss allowance to noncurrent loans | 28.7473% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 5.1714% | 317 |
| Noncurrent loans to loans | 8.5641% | 109 |
| Net loans and leases to total assets | 44.9007% | 5,460 |
| Net loans and leases to deposits | 50.5642% | 5,612 |
| Net loans and leases to core deposits | 53.2411% | 5,611 |
| Total domestic deposits to total assets | 88.7994% | 1,353 |
| Equity capital to assets | 10.4954% | 3,565 |
| Core capital (leverage) ratio | 10.4885% | 3,058 |
| Tier 1 risk-based capital ratio | 18.9649% | 1,913 |
| Total risk-based capital ratio | 20.2256% | 1,880 |
| Memoranda: | ||
| Average total assets | $69,373,000 | 5,365 |
| Average earning assets | $61,692,750 | 5,413 |
| Average equity | $7,340,750 | 5,374 |
| Average total loans | $32,802,500 | 5,501 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 3,817 |
| Cost of funding earning assets | 0.1664% | 6,152 |
| Net interest margin | 3.8138% | 2,519 |
| Noninterest income to average assets | 1.1628% | 862 |
| Noninterest expense to average assets | 4.6251% | 407 |
| Loan and lease loss provision to assets | 0.0058% | 4,120 |
| Net operating income to assets | -0.0868% | 6,248 |
| Return on assets (ROA) | 0.0955% | 6,084 |
| Pretax return on assets | 0.0955% | 6,104 |
| Return on Equity (ROE) | 0.8996% | 6,071 |
| Retained earnings to average equity (ytd only) | 0.8996% | 5,390 |
| Net charge-offs to loans | 0.0303% | 3,589 |
| Credit loss provision to net charge-offs | 40.0000% | 2,925 |
| Earnings coverage of net charge-offs (x) | -5.6000% | 4,293 |
| Efficiency ratio | 101.7823% | 359 |
| Assets per employee ($millions) | 2.0105% | 6,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5005% | 710 |
| Loan loss allowance to noncurrent loans | 26.2316% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 5.8181% | 269 |
| Noncurrent loans to loans | 9.5323% | 90 |
| Net loans and leases to total assets | 45.8628% | 5,370 |
| Net loans and leases to deposits | 51.8980% | 5,506 |
| Net loans and leases to core deposits | 54.9884% | 5,488 |
| Total domestic deposits to total assets | 88.3712% | 1,699 |
| Equity capital to assets | 10.9325% | 2,944 |
| Core capital (leverage) ratio | 10.5260% | 2,912 |
| Tier 1 risk-based capital ratio | 19.3992% | 1,823 |
| Total risk-based capital ratio | 20.6596% | 1,786 |
| Memoranda: | ||
| Average total assets | $69,144,330 | 5,417 |
| Average earning assets | $61,304,000 | 5,474 |
| Average equity | $7,336,670 | 5,405 |
| Average total loans | $32,986,330 | 5,533 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9971% | 3,695 |
| Cost of funding earning assets | 0.1693% | 6,233 |
| Net interest margin | 3.8278% | 2,356 |
| Noninterest income to average assets | 1.3345% | 646 |
| Noninterest expense to average assets | 4.4234% | 492 |
| Loan and lease loss provision to assets | 0.0058% | 3,747 |
| Net operating income to assets | 0.2876% | 5,542 |
| Return on assets (ROA) | 0.2876% | 5,585 |
| Pretax return on assets | 0.2876% | 5,746 |
| Return on Equity (ROE) | 2.7516% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.7516% | 4,438 |
| Net charge-offs to loans | 0.0359% | 2,886 |
| Credit loss provision to net charge-offs | 33.3333% | 2,362 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,480 |
| Efficiency ratio | 93.7805% | 764 |
| Assets per employee ($millions) | 2.1492% | 6,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4308% | 875 |
| Loan loss allowance to noncurrent loans | 27.3345% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 5.5145% | 342 |
| Noncurrent loans to loans | 8.8927% | 133 |
| Net loans and leases to total assets | 45.5599% | 5,379 |
| Net loans and leases to deposits | 51.2182% | 5,505 |
| Net loans and leases to core deposits | 54.1249% | 5,491 |
| Total domestic deposits to total assets | 88.9527% | 1,691 |
| Equity capital to assets | 10.3875% | 3,356 |
| Core capital (leverage) ratio | 10.4713% | 2,965 |
| Tier 1 risk-based capital ratio | 18.8586% | 2,011 |
| Total risk-based capital ratio | 20.1192% | 1,966 |
| Memoranda: | ||
| Average total assets | $69,538,500 | 5,457 |
| Average earning assets | $61,444,500 | 5,528 |
| Average equity | $7,268,500 | 5,450 |
| Average total loans | $33,402,500 | 5,572 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 3,063 |
| Cost of funding earning assets | 0.2382% | 6,041 |
| Net interest margin | 4.0334% | 1,861 |
| Noninterest income to average assets | 2.3376% | 311 |
| Noninterest expense to average assets | 5.2264% | 294 |
| Loan and lease loss provision to assets | 0.4255% | 694 |
| Net operating income to assets | 0.1980% | 5,823 |
| Return on assets (ROA) | 0.1913% | 5,912 |
| Pretax return on assets | 0.1913% | 5,958 |
| Return on Equity (ROE) | 1.9401% | 5,860 |
| Retained earnings to average equity (ytd only) | 1.9401% | 4,852 |
| Net charge-offs to loans | 0.3893% | 1,731 |
| Credit loss provision to net charge-offs | 228.7770% | 999 |
| Earnings coverage of net charge-offs (x) | 3.3525% | 3,880 |
| Efficiency ratio | 89.3413% | 1,078 |
| Assets per employee ($millions) | 2.1298% | 6,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3955% | 939 |
| Loan loss allowance to noncurrent loans | 45.4136% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 4.1362% | 632 |
| Noncurrent loans to loans | 5.2749% | 445 |
| Net loans and leases to total assets | 48.2444% | 5,269 |
| Net loans and leases to deposits | 54.3946% | 5,440 |
| Net loans and leases to core deposits | 57.4461% | 5,429 |
| Total domestic deposits to total assets | 88.6934% | 1,806 |
| Equity capital to assets | 10.5201% | 3,127 |
| Core capital (leverage) ratio | 10.6168% | 2,766 |
| Tier 1 risk-based capital ratio | 18.8421% | 1,968 |
| Total risk-based capital ratio | 20.1025% | 1,926 |
| Memoranda: | ||
| Average total assets | $74,736,200 | 5,358 |
| Average earning assets | $65,082,000 | 5,431 |
| Average equity | $7,370,800 | 5,485 |
| Average total loans | $35,709,400 | 5,507 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3022% | 2,988 |
| Cost of funding earning assets | 0.2565% | 6,041 |
| Net interest margin | 4.0457% | 1,803 |
| Noninterest income to average assets | 2.9745% | 239 |
| Noninterest expense to average assets | 5.3903% | 266 |
| Loan and lease loss provision to assets | 0.5551% | 466 |
| Net operating income to assets | 0.5534% | 4,568 |
| Return on assets (ROA) | 0.5534% | 4,714 |
| Pretax return on assets | 0.5534% | 5,196 |
| Return on Equity (ROE) | 5.6955% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.6955% | 2,602 |
| Net charge-offs to loans | 0.6811% | 885 |
| Credit loss provision to net charge-offs | 171.8919% | 1,386 |
| Earnings coverage of net charge-offs (x) | 3.4325% | 3,702 |
| Efficiency ratio | 82.9439% | 1,712 |
| Assets per employee ($millions) | 2.1667% | 6,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3109% | 1,168 |
| Loan loss allowance to noncurrent loans | 41.2243% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 4.2331% | 727 |
| Noncurrent loans to loans | 5.6057% | 479 |
| Net loans and leases to total assets | 46.3979% | 5,504 |
| Net loans and leases to deposits | 52.5164% | 5,672 |
| Net loans and leases to core deposits | 55.4139% | 5,672 |
| Total domestic deposits to total assets | 88.3493% | 1,917 |
| Equity capital to assets | 10.7579% | 3,003 |
| Core capital (leverage) ratio | 11.0271% | 2,456 |
| Tier 1 risk-based capital ratio | 19.2700% | 1,915 |
| Total risk-based capital ratio | 20.5293% | 1,877 |
| Memoranda: | ||
| Average total assets | $76,381,500 | 5,368 |
| Average earning assets | $66,538,500 | 5,442 |
| Average equity | $7,421,000 | 5,534 |
| Average total loans | $36,214,750 | 5,539 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 2,678 |
| Cost of funding earning assets | 0.2831% | 5,960 |
| Net interest margin | 4.0888% | 1,573 |
| Noninterest income to average assets | 3.6936% | 198 |
| Noninterest expense to average assets | 5.4871% | 264 |
| Loan and lease loss provision to assets | 0.6757% | 351 |
| Net operating income to assets | 1.0898% | 1,955 |
| Return on assets (ROA) | 1.0898% | 2,073 |
| Pretax return on assets | 1.0898% | 3,135 |
| Return on Equity (ROE) | 11.5816% | 1,609 |
| Retained earnings to average equity (ytd only) | 11.5816% | 552 |
| Net charge-offs to loans | 0.7719% | 823 |
| Credit loss provision to net charge-offs | 184.7222% | 1,293 |
| Earnings coverage of net charge-offs (x) | 4.8264% | 3,025 |
| Efficiency ratio | 75.6567% | 2,839 |
| Assets per employee ($millions) | 2.1636% | 6,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3143% | 1,233 |
| Loan loss allowance to noncurrent loans | 36.2669% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 4.7852% | 663 |
| Noncurrent loans to loans | 6.3813% | 417 |
| Net loans and leases to total assets | 45.7240% | 5,564 |
| Net loans and leases to deposits | 51.6032% | 5,721 |
| Net loans and leases to core deposits | 54.6753% | 5,699 |
| Total domestic deposits to total assets | 88.6069% | 1,844 |
| Equity capital to assets | 10.5712% | 3,205 |
| Core capital (leverage) ratio | 9.5483% | 4,167 |
| Tier 1 risk-based capital ratio | 19.6220% | 1,823 |
| Total risk-based capital ratio | 20.8829% | 1,792 |
| Memoranda: | ||
| Average total assets | $78,730,330 | 5,348 |
| Average earning assets | $68,528,000 | 5,434 |
| Average equity | $7,408,330 | 5,583 |
| Average total loans | $37,309,330 | 5,528 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1078% | 3,693 |
| Cost of funding earning assets | 0.2753% | 6,130 |
| Net interest margin | 3.8325% | 2,341 |
| Noninterest income to average assets | 1.1117% | 1,203 |
| Noninterest expense to average assets | 4.8348% | 411 |
| Loan and lease loss provision to assets | 0.7810% | 281 |
| Net operating income to assets | -1.1692% | 6,843 |
| Return on assets (ROA) | -1.1692% | 6,849 |
| Pretax return on assets | -1.1692% | 6,836 |
| Return on Equity (ROE) | -13.0954% | 6,845 |
| Retained earnings to average equity (ytd only) | -13.0954% | 6,701 |
| Net charge-offs to loans | -0.1107% | 6,485 |
| Credit loss provision to net charge-offs | -1,481.8182% | 5,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7284% | 349 |
| Assets per employee ($millions) | 2.1107% | 6,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0464% | 1,926 |
| Loan loss allowance to noncurrent loans | 65.5765% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 2.7770% | 1,632 |
| Noncurrent loans to loans | 3.1207% | 1,591 |
| Net loans and leases to total assets | 46.6338% | 5,369 |
| Net loans and leases to deposits | 51.5483% | 5,662 |
| Net loans and leases to core deposits | 56.8282% | 5,447 |
| Total domestic deposits to total assets | 90.4662% | 784 |
| Equity capital to assets | 8.8632% | 5,649 |
| Core capital (leverage) ratio | 8.5218% | 5,556 |
| Tier 1 risk-based capital ratio | 15.5516% | 3,503 |
| Total risk-based capital ratio | 16.8063% | 3,462 |
| Memoranda: | ||
| Average total assets | $83,478,000 | 5,284 |
| Average earning assets | $72,642,000 | 5,365 |
| Average equity | $7,453,000 | 5,632 |
| Average total loans | $39,760,500 | 5,473 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0118% | 1,530 |
| Cost of funding earning assets | 0.3149% | 6,383 |
| Net interest margin | 4.6968% | 654 |
| Noninterest income to average assets | 1.3421% | 858 |
| Noninterest expense to average assets | 5.2370% | 323 |
| Loan and lease loss provision to assets | 1.1220% | 328 |
| Net operating income to assets | -0.9920% | 6,743 |
| Return on assets (ROA) | -0.7999% | 6,698 |
| Pretax return on assets | -0.7999% | 6,674 |
| Return on Equity (ROE) | -9.2170% | 6,708 |
| Retained earnings to average equity (ytd only) | -10.8278% | 6,664 |
| Net charge-offs to loans | 1.3771% | 673 |
| Credit loss provision to net charge-offs | 148.3923% | 1,835 |
| Earnings coverage of net charge-offs (x) | 0.1720% | 5,398 |
| Efficiency ratio | 97.5764% | 642 |
| Assets per employee ($millions) | 2.1702% | 6,849 |
| Cash dividends to net income (ytd only)* | -17.4772% | 7,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 3,490 |
| Loan loss allowance to noncurrent loans | 49.8413% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 2.8474% | 1,680 |
| Noncurrent loans to loans | 3.1241% | 1,657 |
| Net loans and leases to total assets | 46.9092% | 5,517 |
| Net loans and leases to deposits | 51.9442% | 5,812 |
| Net loans and leases to core deposits | 57.3776% | 5,601 |
| Total domestic deposits to total assets | 90.3070% | 797 |
| Equity capital to assets | 8.9912% | 5,533 |
| Core capital (leverage) ratio | 9.0090% | 4,883 |
| Tier 1 risk-based capital ratio | 15.1447% | 3,642 |
| Total risk-based capital ratio | 16.3966% | 3,588 |
| Memoranda: | ||
| Average total assets | $82,261,200 | 5,297 |
| Average earning assets | $70,494,200 | 5,411 |
| Average equity | $7,139,000 | 5,720 |
| Average total loans | $45,166,000 | 5,279 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2165% | 1,159 |
| Cost of funding earning assets | 0.3279% | 6,478 |
| Net interest margin | 4.8886% | 485 |
| Noninterest income to average assets | 1.3698% | 792 |
| Noninterest expense to average assets | 5.4513% | 276 |
| Loan and lease loss provision to assets | 1.4987% | 211 |
| Net operating income to assets | -1.3942% | 6,944 |
| Return on assets (ROA) | -1.1363% | 6,918 |
| Pretax return on assets | -1.1363% | 6,899 |
| Return on Equity (ROE) | -13.2167% | 6,904 |
| Retained earnings to average equity (ytd only) | -15.4005% | 6,915 |
| Net charge-offs to loans | 1.4893% | 578 |
| Credit loss provision to net charge-offs | 177.2201% | 1,570 |
| Earnings coverage of net charge-offs (x) | 0.1236% | 5,275 |
| Efficiency ratio | 98.1193% | 601 |
| Assets per employee ($millions) | 1.8267% | 7,041 |
| Cash dividends to net income (ytd only)* | -16.5230% | 7,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 3,359 |
| Loan loss allowance to noncurrent loans | 50.8036% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 3.6169% | 1,380 |
| Noncurrent loans to loans | 3.2340% | 1,705 |
| Net loans and leases to total assets | 55.4076% | 4,537 |
| Net loans and leases to deposits | 61.1053% | 5,071 |
| Net loans and leases to core deposits | 67.7359% | 4,753 |
| Total domestic deposits to total assets | 90.6756% | 529 |
| Equity capital to assets | 8.5045% | 6,255 |
| Core capital (leverage) ratio | 7.7590% | 6,489 |
| Tier 1 risk-based capital ratio | 12.5733% | 5,585 |
| Total risk-based capital ratio | 13.8216% | 5,546 |
| Memoranda: | ||
| Average total assets | $81,667,000 | 5,360 |
| Average earning assets | $69,930,250 | 5,487 |
| Average equity | $7,021,250 | 5,822 |
| Average total loans | $46,374,750 | 5,299 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1586% | 1,355 |
| Cost of funding earning assets | 0.3379% | 6,562 |
| Net interest margin | 4.8207% | 539 |
| Noninterest income to average assets | 1.5476% | 613 |
| Noninterest expense to average assets | 5.5255% | 271 |
| Loan and lease loss provision to assets | 2.2150% | 108 |
| Net operating income to assets | -2.0530% | 7,073 |
| Return on assets (ROA) | -1.6710% | 7,051 |
| Pretax return on assets | -1.6710% | 7,029 |
| Return on Equity (ROE) | -19.3693% | 7,032 |
| Retained earnings to average equity (ytd only) | -22.5929% | 7,038 |
| Net charge-offs to loans | 2.1961% | 356 |
| Credit loss provision to net charge-offs | 177.1760% | 1,589 |
| Earnings coverage of net charge-offs (x) | 0.1296% | 5,012 |
| Efficiency ratio | 97.1514% | 649 |
| Assets per employee ($millions) | 1.9697% | 7,063 |
| Cash dividends to net income (ytd only)* | -16.6425% | 7,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 3,687 |
| Loan loss allowance to noncurrent loans | 129.8748% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 2.4419% | 2,288 |
| Noncurrent loans to loans | 1.2135% | 4,128 |
| Net loans and leases to total assets | 56.1418% | 4,444 |
| Net loans and leases to deposits | 61.5735% | 5,060 |
| Net loans and leases to core deposits | 67.2516% | 4,870 |
| Total domestic deposits to total assets | 91.1786% | 394 |
| Equity capital to assets | 8.0710% | 6,530 |
| Core capital (leverage) ratio | 7.3505% | 6,689 |
| Tier 1 risk-based capital ratio | 12.0649% | 5,883 |
| Total risk-based capital ratio | 13.3165% | 5,864 |
| Memoranda: | ||
| Average total assets | $82,707,000 | 5,363 |
| Average earning assets | $71,027,000 | 5,490 |
| Average equity | $7,135,000 | 5,805 |
| Average total loans | $47,083,670 | 5,300 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0321% | 1,783 |
| Cost of funding earning assets | 0.3650% | 6,575 |
| Net interest margin | 4.6671% | 729 |
| Noninterest income to average assets | 1.7113% | 511 |
| Noninterest expense to average assets | 5.1338% | 339 |
| Loan and lease loss provision to assets | 0.1195% | 3,854 |
| Net operating income to assets | 0.4923% | 4,860 |
| Return on assets (ROA) | 1.2476% | 1,782 |
| Pretax return on assets | 1.2476% | 2,735 |
| Return on Equity (ROE) | 14.0257% | 1,175 |
| Retained earnings to average equity (ytd only) | 11.3388% | 953 |
| Net charge-offs to loans | 0.0252% | 4,338 |
| Credit loss provision to net charge-offs | 833.3333% | 417 |
| Earnings coverage of net charge-offs (x) | 42.6667% | 705 |
| Efficiency ratio | 89.3511% | 1,147 |
| Assets per employee ($millions) | 2.1850% | 7,050 |
| Cash dividends to net income (ytd only)* | 19.1571% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7388% | 6,830 |
| Loan loss allowance to noncurrent loans | 24.3036% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 3.0664% | 1,901 |
| Noncurrent loans to loans | 3.0397% | 2,129 |
| Net loans and leases to total assets | 55.0279% | 4,547 |
| Net loans and leases to deposits | 60.7551% | 5,069 |
| Net loans and leases to core deposits | 68.0699% | 4,669 |
| Total domestic deposits to total assets | 90.5733% | 763 |
| Equity capital to assets | 8.7778% | 5,777 |
| Core capital (leverage) ratio | 8.5747% | 5,471 |
| Tier 1 risk-based capital ratio | 13.7145% | 4,670 |
| Total risk-based capital ratio | 14.3815% | 5,079 |
| Memoranda: | ||
| Average total assets | $83,681,500 | 5,370 |
| Average earning assets | $72,336,000 | 5,485 |
| Average equity | $7,443,500 | 5,756 |
| Average total loans | $47,593,000 | 5,312 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0483% | 2,662 |
| Cost of funding earning assets | 0.4379% | 6,773 |
| Net interest margin | 4.6104% | 902 |
| Noninterest income to average assets | 1.4422% | 627 |
| Noninterest expense to average assets | 4.8276% | 445 |
| Loan and lease loss provision to assets | 0.2771% | 3,450 |
| Net operating income to assets | 0.3488% | 5,074 |
| Return on assets (ROA) | 0.5418% | 4,458 |
| Pretax return on assets | 0.5418% | 4,867 |
| Return on Equity (ROE) | 6.0800% | 3,835 |
| Retained earnings to average equity (ytd only) | 2.8873% | 4,189 |
| Net charge-offs to loans | 0.4121% | 3,362 |
| Credit loss provision to net charge-offs | 117.8947% | 2,727 |
| Earnings coverage of net charge-offs (x) | 2.6632% | 3,878 |
| Efficiency ratio | 88.5235% | 1,316 |
| Assets per employee ($millions) | 2.0036% | 7,162 |
| Cash dividends to net income (ytd only)* | 52.5114% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6820% | 6,929 |
| Loan loss allowance to noncurrent loans | 46.3173% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.3019% | 2,621 |
| Noncurrent loans to loans | 1.4725% | 3,949 |
| Net loans and leases to total assets | 57.9661% | 4,377 |
| Net loans and leases to deposits | 64.1968% | 4,983 |
| Net loans and leases to core deposits | 71.3838% | 4,607 |
| Total domestic deposits to total assets | 90.2943% | 818 |
| Equity capital to assets | 9.0167% | 5,535 |
| Core capital (leverage) ratio | 8.4873% | 5,580 |
| Tier 1 risk-based capital ratio | 12.4087% | 5,527 |
| Total risk-based capital ratio | 12.9913% | 5,985 |
| Memoranda: | ||
| Average total assets | $80,847,000 | 5,437 |
| Average earning assets | $70,341,000 | 5,529 |
| Average equity | $7,204,000 | 5,807 |
| Average total loans | $46,102,600 | 5,423 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 2,951 |
| Cost of funding earning assets | 0.4574% | 6,861 |
| Net interest margin | 4.5701% | 1,006 |
| Noninterest income to average assets | 1.4787% | 598 |
| Noninterest expense to average assets | 4.6926% | 483 |
| Loan and lease loss provision to assets | 0.3444% | 2,814 |
| Net operating income to assets | 0.4289% | 4,862 |
| Return on assets (ROA) | 0.5961% | 4,285 |
| Pretax return on assets | 0.5961% | 4,821 |
| Return on Equity (ROE) | 6.7101% | 3,659 |
| Retained earnings to average equity (ytd only) | 6.7101% | 2,127 |
| Net charge-offs to loans | 0.5170% | 2,690 |
| Credit loss provision to net charge-offs | 117.5141% | 2,779 |
| Earnings coverage of net charge-offs (x) | 2.6385% | 3,797 |
| Efficiency ratio | 85.8528% | 1,545 |
| Assets per employee ($millions) | 1.7868% | 7,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7020% | 6,957 |
| Loan loss allowance to noncurrent loans | 28.2969% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 2.6992% | 2,403 |
| Noncurrent loans to loans | 2.4808% | 2,794 |
| Net loans and leases to total assets | 58.2966% | 4,457 |
| Net loans and leases to deposits | 65.1860% | 5,029 |
| Net loans and leases to core deposits | 73.2312% | 4,561 |
| Total domestic deposits to total assets | 89.4310% | 1,175 |
| Equity capital to assets | 9.7930% | 4,631 |
| Core capital (leverage) ratio | 8.9800% | 4,967 |
| Tier 1 risk-based capital ratio | 13.9749% | 4,369 |
| Total risk-based capital ratio | 14.6111% | 4,798 |
| Memoranda: | ||
| Average total assets | $80,521,750 | 5,489 |
| Average earning assets | $70,252,750 | 5,572 |
| Average equity | $7,153,250 | 5,860 |
| Average total loans | $45,642,000 | 5,486 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8749% | 3,735 |
| Cost of funding earning assets | 0.4805% | 6,915 |
| Net interest margin | 4.3944% | 1,386 |
| Noninterest income to average assets | 1.5476% | 533 |
| Noninterest expense to average assets | 4.5542% | 562 |
| Loan and lease loss provision to assets | 0.2563% | 3,350 |
| Net operating income to assets | 0.5914% | 4,099 |
| Return on assets (ROA) | 0.6555% | 3,895 |
| Pretax return on assets | 0.6555% | 4,553 |
| Return on Equity (ROE) | 7.6313% | 3,128 |
| Retained earnings to average equity (ytd only) | 7.6313% | 1,607 |
| Net charge-offs to loans | 0.5718% | 2,393 |
| Credit loss provision to net charge-offs | 80.0000% | 3,771 |
| Earnings coverage of net charge-offs (x) | 2.6462% | 3,509 |
| Efficiency ratio | 84.3066% | 1,782 |
| Assets per employee ($millions) | 1.9185% | 7,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5847% | 7,155 |
| Loan loss allowance to noncurrent loans | 20.3817% | 6,712 |
| Noncurrent assets plus other real estate owned to assets | 2.2268% | 2,946 |
| Noncurrent loans to loans | 2.8687% | 2,548 |
| Net loans and leases to total assets | 55.0305% | 5,144 |
| Net loans and leases to deposits | 60.8764% | 5,631 |
| Net loans and leases to core deposits | 68.6870% | 5,220 |
| Total domestic deposits to total assets | 90.3971% | 759 |
| Equity capital to assets | 8.9556% | 5,644 |
| Core capital (leverage) ratio | 8.3822% | 5,737 |
| Tier 1 risk-based capital ratio | 13.9078% | 4,231 |
| Total risk-based capital ratio | 14.4365% | 4,754 |
| Memoranda: | ||
| Average total assets | $81,156,670 | 5,518 |
| Average earning assets | $71,181,000 | 5,587 |
| Average equity | $6,971,330 | 5,934 |
| Average total loans | $45,471,000 | 5,541 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7434% | 4,320 |
| Cost of funding earning assets | 0.5125% | 6,931 |
| Net interest margin | 4.2309% | 1,803 |
| Noninterest income to average assets | 1.5158% | 567 |
| Noninterest expense to average assets | 4.6020% | 538 |
| Loan and lease loss provision to assets | 0.1441% | 4,205 |
| Net operating income to assets | 0.4622% | 4,654 |
| Return on assets (ROA) | 0.4622% | 4,737 |
| Pretax return on assets | 0.4622% | 5,144 |
| Return on Equity (ROE) | 5.5005% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.5005% | 2,909 |
| Net charge-offs to loans | 0.1675% | 3,473 |
| Credit loss provision to net charge-offs | 152.6316% | 1,879 |
| Earnings coverage of net charge-offs (x) | 6.4211% | 2,104 |
| Efficiency ratio | 88.3588% | 1,470 |
| Assets per employee ($millions) | 1.8390% | 7,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6726% | 7,108 |
| Loan loss allowance to noncurrent loans | 18.9257% | 6,800 |
| Noncurrent assets plus other real estate owned to assets | 2.5714% | 2,660 |
| Noncurrent loans to loans | 3.5541% | 2,092 |
| Net loans and leases to total assets | 54.0667% | 5,296 |
| Net loans and leases to deposits | 59.3139% | 5,790 |
| Net loans and leases to core deposits | 67.4699% | 5,363 |
| Total domestic deposits to total assets | 91.1536% | 551 |
| Equity capital to assets | 8.2917% | 6,172 |
| Core capital (leverage) ratio | 8.3706% | 5,682 |
| Tier 1 risk-based capital ratio | 13.7307% | 4,253 |
| Total risk-based capital ratio | 14.3381% | 4,741 |
| Memoranda: | ||
| Average total assets | $80,487,000 | 5,580 |
| Average earning assets | $70,244,500 | 5,657 |
| Average equity | $6,763,000 | 6,002 |
| Average total loans | $45,374,000 | 5,592 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1625% | 3,790 |
| Cost of funding earning assets | 0.5891% | 7,148 |
| Net interest margin | 4.5734% | 1,071 |
| Noninterest income to average assets | 1.8344% | 459 |
| Noninterest expense to average assets | 5.1797% | 371 |
| Loan and lease loss provision to assets | 0.6545% | 2,518 |
| Net operating income to assets | -0.0626% | 5,943 |
| Return on assets (ROA) | 0.0769% | 5,780 |
| Pretax return on assets | 0.0769% | 5,746 |
| Return on Equity (ROE) | 0.8512% | 5,738 |
| Retained earnings to average equity (ytd only) | -3.1450% | 6,108 |
| Net charge-offs to loans | 1.3580% | 1,646 |
| Credit loss provision to net charge-offs | 81.2298% | 5,511 |
| Earnings coverage of net charge-offs (x) | 0.7346% | 5,383 |
| Efficiency ratio | 89.7447% | 1,339 |
| Assets per employee ($millions) | 1.8623% | 7,470 |
| Cash dividends to net income (ytd only)* | 469.4915% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6389% | 7,214 |
| Loan loss allowance to noncurrent loans | 19.8910% | 6,815 |
| Noncurrent assets plus other real estate owned to assets | 2.5506% | 2,722 |
| Noncurrent loans to loans | 3.2122% | 2,365 |
| Net loans and leases to total assets | 58.0552% | 5,018 |
| Net loans and leases to deposits | 63.8565% | 5,645 |
| Net loans and leases to core deposits | 70.6645% | 5,383 |
| Total domestic deposits to total assets | 90.9150% | 640 |
| Equity capital to assets | 8.5199% | 5,827 |
| Core capital (leverage) ratio | 8.6399% | 5,123 |
| Tier 1 risk-based capital ratio | 14.0318% | 3,850 |
| Total risk-based capital ratio | 14.6381% | 4,254 |
| Memoranda: | ||
| Average total assets | $76,702,600 | 5,688 |
| Average earning assets | $66,034,000 | 5,796 |
| Average equity | $6,931,600 | 6,053 |
| Average total loans | $45,507,000 | 5,683 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2218% | 3,725 |
| Cost of funding earning assets | 0.5956% | 7,303 |
| Net interest margin | 4.6262% | 988 |
| Noninterest income to average assets | 1.8465% | 429 |
| Noninterest expense to average assets | 5.2686% | 310 |
| Loan and lease loss provision to assets | 1.0149% | 1,458 |
| Net operating income to assets | -0.4612% | 6,566 |
| Return on assets (ROA) | -0.4612% | 6,607 |
| Pretax return on assets | -0.4612% | 6,519 |
| Return on Equity (ROE) | -5.0295% | 6,652 |
| Retained earnings to average equity (ytd only) | -9.2588% | 6,836 |
| Net charge-offs to loans | 2.0384% | 922 |
| Credit loss provision to net charge-offs | 83.5971% | 5,018 |
| Earnings coverage of net charge-offs (x) | 0.4561% | 5,565 |
| Efficiency ratio | 90.4890% | 1,242 |
| Assets per employee ($millions) | 1.7835% | 7,598 |
| Cash dividends to net income (ytd only)* | -84.0905% | 7,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6451% | 7,292 |
| Loan loss allowance to noncurrent loans | 18.4260% | 6,964 |
| Noncurrent assets plus other real estate owned to assets | 2.7386% | 2,645 |
| Noncurrent loans to loans | 3.5012% | 2,262 |
| Net loans and leases to total assets | 56.6067% | 5,463 |
| Net loans and leases to deposits | 62.3278% | 6,087 |
| Net loans and leases to core deposits | 68.7884% | 5,867 |
| Total domestic deposits to total assets | 90.8210% | 510 |
| Equity capital to assets | 8.5635% | 6,202 |
| Core capital (leverage) ratio | 8.4238% | 5,660 |
| Tier 1 risk-based capital ratio | 13.6711% | 4,072 |
| Total risk-based capital ratio | 14.2926% | 4,525 |
| Memoranda: | ||
| Average total assets | $76,324,000 | 5,759 |
| Average earning assets | $65,595,250 | 5,873 |
| Average equity | $6,998,500 | 6,116 |
| Average total loans | $45,458,500 | 5,767 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1832% | 4,033 |
| Cost of funding earning assets | 0.6031% | 7,402 |
| Net interest margin | 4.5801% | 1,037 |
| Noninterest income to average assets | 1.8744% | 385 |
| Noninterest expense to average assets | 5.3085% | 307 |
| Loan and lease loss provision to assets | 0.7092% | 2,053 |
| Net operating income to assets | -0.1946% | 6,355 |
| Return on assets (ROA) | -0.1946% | 6,400 |
| Pretax return on assets | -0.1946% | 6,334 |
| Return on Equity (ROE) | -2.0738% | 6,425 |
| Retained earnings to average equity (ytd only) | -6.7895% | 6,722 |
| Net charge-offs to loans | 0.0485% | 5,709 |
| Credit loss provision to net charge-offs | 2,418.1818% | 174 |
| Earnings coverage of net charge-offs (x) | 17.5455% | 1,337 |
| Efficiency ratio | 91.1630% | 1,251 |
| Assets per employee ($millions) | 1.6387% | 7,696 |
| Cash dividends to net income (ytd only)* | -227.3973% | 7,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 4,280 |
| Loan loss allowance to noncurrent loans | 25.8366% | 6,622 |
| Noncurrent assets plus other real estate owned to assets | 3.3368% | 2,109 |
| Noncurrent loans to loans | 5.5396% | 1,190 |
| Net loans and leases to total assets | 59.3737% | 5,179 |
| Net loans and leases to deposits | 65.6469% | 5,853 |
| Net loans and leases to core deposits | 72.0380% | 5,664 |
| Total domestic deposits to total assets | 90.4439% | 703 |
| Equity capital to assets | 8.9757% | 5,490 |
| Core capital (leverage) ratio | 8.7304% | 5,033 |
| Tier 1 risk-based capital ratio | 14.4144% | 3,488 |
| Total risk-based capital ratio | 15.6703% | 3,454 |
| Memoranda: | ||
| Average total assets | $75,012,330 | 5,834 |
| Average earning assets | $64,670,670 | 5,937 |
| Average equity | $7,040,330 | 6,124 |
| Average total loans | $45,369,000 | 5,801 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1707% | 4,189 |
| Cost of funding earning assets | 0.6102% | 7,522 |
| Net interest margin | 4.5605% | 1,026 |
| Noninterest income to average assets | 1.8106% | 391 |
| Noninterest expense to average assets | 5.1886% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5405% | 4,183 |
| Return on assets (ROA) | 0.5405% | 4,320 |
| Pretax return on assets | 0.5405% | 4,817 |
| Return on Equity (ROE) | 5.6306% | 4,047 |
| Retained earnings to average equity (ytd only) | 0.1126% | 5,775 |
| Net charge-offs to loans | 0.0446% | 4,969 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,175 |
| Efficiency ratio | 90.5660% | 1,386 |
| Assets per employee ($millions) | 1.6821% | 7,790 |
| Cash dividends to net income (ytd only)* | 98.0000% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 6,880 |
| Loan loss allowance to noncurrent loans | 16.1085% | 7,175 |
| Noncurrent assets plus other real estate owned to assets | 3.3133% | 2,165 |
| Noncurrent loans to loans | 5.5023% | 1,272 |
| Net loans and leases to total assets | 59.6829% | 5,176 |
| Net loans and leases to deposits | 66.3236% | 5,788 |
| Net loans and leases to core deposits | 72.3445% | 5,674 |
| Total domestic deposits to total assets | 89.9874% | 992 |
| Equity capital to assets | 9.3930% | 4,681 |
| Core capital (leverage) ratio | 9.5058% | 3,759 |
| Tier 1 risk-based capital ratio | 15.0743% | 3,078 |
| Total risk-based capital ratio | 15.9472% | 3,228 |
| Memoranda: | ||
| Average total assets | $74,009,000 | 5,939 |
| Average earning assets | $63,589,000 | 6,038 |
| Average equity | $7,104,000 | 6,158 |
| Average total loans | $44,857,000 | 5,892 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2596% | 1,095 |
| Cost of funding earning assets | 0.6875% | 7,697 |
| Net interest margin | 5.5720% | 176 |
| Noninterest income to average assets | 1.7285% | 486 |
| Noninterest expense to average assets | 5.6112% | 367 |
| Loan and lease loss provision to assets | 0.0553% | 7,013 |
| Net operating income to assets | 0.8082% | 2,506 |
| Return on assets (ROA) | 0.9098% | 2,207 |
| Pretax return on assets | 0.9098% | 2,893 |
| Return on Equity (ROE) | 8.6146% | 2,159 |
| Retained earnings to average equity (ytd only) | 2.6735% | 3,281 |
| Net charge-offs to loans | 0.1328% | 5,871 |
| Credit loss provision to net charge-offs | 67.2727% | 6,541 |
| Earnings coverage of net charge-offs (x) | 10.5091% | 1,676 |
| Efficiency ratio | 86.6636% | 2,037 |
| Assets per employee ($millions) | 1.5722% | 7,887 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 6,718 |
| Loan loss allowance to noncurrent loans | 19.4484% | 7,088 |
| Noncurrent assets plus other real estate owned to assets | 2.9078% | 2,410 |
| Noncurrent loans to loans | 4.7651% | 1,454 |
| Net loans and leases to total assets | 60.4566% | 5,267 |
| Net loans and leases to deposits | 67.4670% | 5,893 |
| Net loans and leases to core deposits | 84.1850% | 5,697 |
| Total domestic deposits to total assets | 89.6091% | 1,154 |
| Equity capital to assets | 9.8143% | 3,988 |
| Core capital (leverage) ratio | 9.8019% | 3,324 |
| Tier 1 risk-based capital ratio | 15.3878% | 2,763 |
| Total risk-based capital ratio | 16.2902% | 2,870 |
| Memoranda: | ||
| Average total assets | $66,937,000 | 6,111 |
| Average earning assets | $57,016,800 | 6,248 |
| Average equity | $7,069,400 | 6,251 |
| Average total loans | $41,418,200 | 6,041 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6044% | 609 |
| Cost of funding earning assets | 0.6990% | 7,814 |
| Net interest margin | 5.9054% | 120 |
| Noninterest income to average assets | 1.5855% | 586 |
| Noninterest expense to average assets | 5.6877% | 348 |
| Loan and lease loss provision to assets | 0.0630% | 6,729 |
| Net operating income to assets | 0.8497% | 2,620 |
| Return on assets (ROA) | 0.9879% | 2,165 |
| Pretax return on assets | 0.9879% | 2,944 |
| Return on Equity (ROE) | 9.1753% | 2,199 |
| Retained earnings to average equity (ytd only) | 3.3605% | 3,425 |
| Net charge-offs to loans | 0.1276% | 5,424 |
| Credit loss provision to net charge-offs | 79.4872% | 5,778 |
| Earnings coverage of net charge-offs (x) | 11.5125% | 1,846 |
| Efficiency ratio | 86.1719% | 2,042 |
| Assets per employee ($millions) | 1.4954% | 7,987 |
| Cash dividends to net income (ytd only)* | 63.3754% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 6,453 |
| Loan loss allowance to noncurrent loans | 19.8390% | 7,099 |
| Noncurrent assets plus other real estate owned to assets | 3.1385% | 2,176 |
| Noncurrent loans to loans | 4.8814% | 1,381 |
| Net loans and leases to total assets | 63.6723% | 4,934 |
| Net loans and leases to deposits | 71.9670% | 5,659 |
| Net loans and leases to core deposits | 87.2950% | 5,720 |
| Total domestic deposits to total assets | 88.4743% | 1,445 |
| Equity capital to assets | 10.7129% | 3,278 |
| Core capital (leverage) ratio | 10.2345% | 3,037 |
| Tier 1 risk-based capital ratio | 16.0493% | 2,610 |
| Total risk-based capital ratio | 17.0062% | 2,652 |
| Memoranda: | ||
| Average total assets | $65,590,500 | 6,190 |
| Average earning assets | $55,698,750 | 6,351 |
| Average equity | $7,062,250 | 6,300 |
| Average total loans | $40,739,500 | 6,119 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9252% | 360 |
| Cost of funding earning assets | 0.7110% | 7,911 |
| Net interest margin | 6.2141% | 95 |
| Noninterest income to average assets | 1.4118% | 754 |
| Noninterest expense to average assets | 5.8195% | 338 |
| Loan and lease loss provision to assets | 0.0246% | 6,990 |
| Net operating income to assets | 0.8366% | 2,712 |
| Return on assets (ROA) | 1.0458% | 2,028 |
| Pretax return on assets | 1.0458% | 2,824 |
| Return on Equity (ROE) | 9.6958% | 2,132 |
| Retained earnings to average equity (ytd only) | 2.5095% | 3,934 |
| Net charge-offs to loans | 0.0551% | 5,721 |
| Credit loss provision to net charge-offs | 72.7273% | 5,370 |
| Earnings coverage of net charge-offs (x) | 25.4545% | 1,119 |
| Efficiency ratio | 87.1087% | 2,115 |
| Assets per employee ($millions) | 1.5177% | 8,067 |
| Cash dividends to net income (ytd only)* | 74.1176% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 6,074 |
| Loan loss allowance to noncurrent loans | 38.3710% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 2.0601% | 3,116 |
| Noncurrent loans to loans | 2.6609% | 2,713 |
| Net loans and leases to total assets | 60.1836% | 5,650 |
| Net loans and leases to deposits | 67.5492% | 6,245 |
| Net loans and leases to core deposits | 80.4710% | 6,367 |
| Total domestic deposits to total assets | 89.0960% | 1,221 |
| Equity capital to assets | 10.1646% | 3,757 |
| Core capital (leverage) ratio | 10.0790% | 3,210 |
| Tier 1 risk-based capital ratio | 16.2289% | 2,541 |
| Total risk-based capital ratio | 17.2206% | 2,579 |
| Memoranda: | ||
| Average total assets | $65,023,000 | 6,260 |
| Average earning assets | $55,132,330 | 6,422 |
| Average equity | $7,013,330 | 6,366 |
| Average total loans | $39,897,330 | 6,211 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1296% | 79 |
| Cost of funding earning assets | 0.7160% | 7,982 |
| Net interest margin | 7.4136% | 47 |
| Noninterest income to average assets | 2.0509% | 351 |
| Noninterest expense to average assets | 6.0139% | 288 |
| Loan and lease loss provision to assets | 0.0126% | 6,683 |
| Net operating income to assets | 2.2970% | 191 |
| Return on assets (ROA) | 2.5116% | 162 |
| Pretax return on assets | 2.5116% | 255 |
| Return on Equity (ROE) | 22.5848% | 283 |
| Retained earnings to average equity (ytd only) | 11.4626% | 892 |
| Net charge-offs to loans | 0.0102% | 5,493 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 366.0000% | 95 |
| Efficiency ratio | 72.2517% | 4,147 |
| Assets per employee ($millions) | 1.5771% | 8,093 |
| Cash dividends to net income (ytd only)* | 49.2462% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 5,554 |
| Loan loss allowance to noncurrent loans | 57.6043% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 1.5955% | 3,522 |
| Noncurrent loans to loans | 1.8882% | 3,431 |
| Net loans and leases to total assets | 57.3938% | 6,040 |
| Net loans and leases to deposits | 64.7582% | 6,486 |
| Net loans and leases to core deposits | 77.3716% | 6,583 |
| Total domestic deposits to total assets | 88.6277% | 1,409 |
| Equity capital to assets | 10.5244% | 3,435 |
| Core capital (leverage) ratio | 10.9901% | 2,504 |
| Tier 1 risk-based capital ratio | 16.9279% | 2,363 |
| Total risk-based capital ratio | 17.9553% | 2,378 |
| Memoranda: | ||
| Average total assets | $63,386,500 | 6,344 |
| Average earning assets | $53,631,000 | 6,520 |
| Average equity | $7,049,000 | 6,384 |
| Average total loans | $39,082,500 | 6,274 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5432% | 2,748 |
| Cost of funding earning assets | 0.6702% | 8,158 |
| Net interest margin | 5.8730% | 126 |
| Noninterest income to average assets | 2.0222% | 338 |
| Noninterest expense to average assets | 5.2713% | 556 |
| Loan and lease loss provision to assets | 0.0300% | 7,026 |
| Net operating income to assets | 1.7171% | 656 |
| Return on assets (ROA) | 1.7754% | 558 |
| Pretax return on assets | 1.7754% | 988 |
| Return on Equity (ROE) | 15.6747% | 820 |
| Retained earnings to average equity (ytd only) | 4.6656% | 2,224 |
| Net charge-offs to loans | 0.3314% | 3,183 |
| Credit loss provision to net charge-offs | 16.0714% | 6,597 |
| Earnings coverage of net charge-offs (x) | 9.3571% | 2,701 |
| Efficiency ratio | 75.1069% | 3,384 |
| Assets per employee ($millions) | 1.4740% | 8,169 |
| Cash dividends to net income (ytd only)* | 70.2347% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 5,297 |
| Loan loss allowance to noncurrent loans | 31.9850% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 2.8817% | 1,617 |
| Noncurrent loans to loans | 3.4393% | 1,491 |
| Net loans and leases to total assets | 65.1113% | 5,034 |
| Net loans and leases to deposits | 74.3512% | 5,806 |
| Net loans and leases to core deposits | 80.6187% | 6,567 |
| Total domestic deposits to total assets | 87.5727% | 1,680 |
| Equity capital to assets | 11.8065% | 2,425 |
| Core capital (leverage) ratio | 11.6323% | 2,172 |
| Tier 1 risk-based capital ratio | 17.1147% | 2,274 |
| Total risk-based capital ratio | 18.1816% | 2,279 |
| Memoranda: | ||
| Average total assets | $59,985,200 | 6,384 |
| Average earning assets | $51,029,800 | 6,554 |
| Average equity | $6,794,400 | 6,526 |
| Average total loans | $33,793,200 | 6,498 |