Home > Henderson Federal Savings Bank > Performance and Condition Ratios
Henderson Federal Savings 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 | 5.0914% | 1,870 |
| Cost of funding earning assets | 1.2683% | 2,607 |
| Net interest margin | 3.8231% | 1,530 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 2.1554% | 3,240 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2717% | 1,489 |
| Return on assets (ROA) | 1.2717% | 1,461 |
| Pretax return on assets | 1.6243% | 1,187 |
| Return on Equity (ROE) | 5.4600% | 3,633 |
| Retained earnings to average equity (ytd only) | 5.4620% | 2,418 |
| Net charge-offs to loans | 0.0546% | 1,317 |
| Credit loss provision to net charge-offs | 174.4186% | 1,336 |
| Earnings coverage of net charge-offs (x) | 44.2791% | 1,374 |
| Efficiency ratio | 56.0379% | 3,494 |
| Assets per employee ($millions) | 5.2270% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7471% | 597 |
| Loan loss allowance to noncurrent loans | 93.8580% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.4239% | 276 |
| Noncurrent loans to loans | 1.8614% | 314 |
| Net loans and leases to total assets | 75.1600% | 1,217 |
| Net loans and leases to deposits | 100.2979% | 519 |
| Net loans and leases to core deposits | 106.7878% | 1,077 |
| Total domestic deposits to total assets | 74.9400% | 4,037 |
| Equity capital to assets | 24.6723% | 196 |
| Core capital (leverage) ratio | 24.8999% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $112,601,600 | 3,721 |
| Average earning assets | $110,382,800 | 3,645 |
| Average equity | $26,217,400 | 2,449 |
| Average total loans | $78,820,400 | 3,426 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9694% | 1,896 |
| Cost of funding earning assets | 1.1682% | 2,534 |
| Net interest margin | 3.8012% | 1,590 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.1110% | 3,327 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.2861% | 1,575 |
| Return on assets (ROA) | 1.2861% | 1,563 |
| Pretax return on assets | 1.6438% | 1,275 |
| Return on Equity (ROE) | 5.6000% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.6047% | 2,746 |
| Net charge-offs to loans | 0.1376% | 591 |
| Credit loss provision to net charge-offs | 75.0000% | 1,778 |
| Earnings coverage of net charge-offs (x) | 18.2125% | 1,872 |
| Efficiency ratio | 55.1830% | 3,471 |
| Assets per employee ($millions) | 5.3254% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7484% | 634 |
| Loan loss allowance to noncurrent loans | 100.4972% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 297 |
| Noncurrent loans to loans | 1.7397% | 383 |
| Net loans and leases to total assets | 71.1000% | 1,681 |
| Net loans and leases to deposits | 93.9640% | 896 |
| Net loans and leases to core deposits | 100.5221% | 1,291 |
| Total domestic deposits to total assets | 75.6700% | 4,042 |
| Equity capital to assets | 23.6583% | 213 |
| Core capital (leverage) ratio | 24.2533% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $113,310,250 | 3,725 |
| Average earning assets | $111,051,000 | 3,649 |
| Average equity | $26,001,250 | 2,446 |
| Average total loans | $77,533,750 | 3,447 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8891% | 1,785 |
| Cost of funding earning assets | 1.0678% | 2,387 |
| Net interest margin | 3.8214% | 1,580 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 2.0773% | 3,408 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.3251% | 1,502 |
| Return on assets (ROA) | 1.3251% | 1,489 |
| Pretax return on assets | 1.6924% | 1,229 |
| Return on Equity (ROE) | 5.8300% | 3,730 |
| Retained earnings to average equity (ytd only) | 5.8339% | 2,685 |
| Net charge-offs to loans | 0.1230% | 591 |
| Credit loss provision to net charge-offs | 95.7447% | 1,479 |
| Earnings coverage of net charge-offs (x) | 21.4468% | 1,721 |
| Efficiency ratio | 53.9726% | 3,614 |
| Assets per employee ($millions) | 5.4311% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8612% | 537 |
| Loan loss allowance to noncurrent loans | 169.9881% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 690 |
| Noncurrent loans to loans | 1.0949% | 654 |
| Net loans and leases to total assets | 66.2500% | 2,130 |
| Net loans and leases to deposits | 86.6226% | 1,453 |
| Net loans and leases to core deposits | 92.4383% | 1,655 |
| Total domestic deposits to total assets | 76.4800% | 4,005 |
| Equity capital to assets | 22.9823% | 213 |
| Core capital (leverage) ratio | 23.9240% | 176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $113,802,333 | 3,732 |
| Average earning assets | $111,635,667 | 3,656 |
| Average equity | $25,849,000 | 2,470 |
| Average total loans | $76,401,000 | 3,471 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7882% | 1,653 |
| Cost of funding earning assets | 0.9254% | 2,292 |
| Net interest margin | 3.8629% | 1,553 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.1288% | 3,307 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.2984% | 1,677 |
| Return on assets (ROA) | 1.2984% | 1,647 |
| Pretax return on assets | 1.6608% | 1,354 |
| Return on Equity (ROE) | 5.7500% | 3,768 |
| Retained earnings to average equity (ytd only) | 5.7505% | 2,834 |
| Net charge-offs to loans | 0.1945% | 374 |
| Credit loss provision to net charge-offs | 81.0811% | 1,211 |
| Earnings coverage of net charge-offs (x) | 13.5676% | 1,584 |
| Efficiency ratio | 54.6522% | 3,536 |
| Assets per employee ($millions) | 5.6641% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8464% | 608 |
| Loan loss allowance to noncurrent loans | 162.2727% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 619 |
| Noncurrent loans to loans | 1.1378% | 621 |
| Net loans and leases to total assets | 67.0100% | 1,946 |
| Net loans and leases to deposits | 87.4996% | 1,251 |
| Net loans and leases to core deposits | 93.3761% | 1,432 |
| Total domestic deposits to total assets | 76.5900% | 4,113 |
| Equity capital to assets | 22.8856% | 178 |
| Core capital (leverage) ratio | 23.5821% | 185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $113,677,000 | 3,784 |
| Average earning assets | $111,523,500 | 3,702 |
| Average equity | $25,667,500 | 2,508 |
| Average total loans | $76,105,000 | 3,514 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8577% | 2,104 |
| Cost of funding earning assets | 0.7136% | 550 |
| Net interest margin | 3.1441% | 3,044 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 1.9771% | 3,647 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.8262% | 3,232 |
| Return on assets (ROA) | 0.8262% | 3,162 |
| Pretax return on assets | 1.0584% | 2,894 |
| Return on Equity (ROE) | 3.9200% | 4,171 |
| Retained earnings to average equity (ytd only) | 3.9168% | 3,424 |
| Net charge-offs to loans | 0.1859% | 441 |
| Credit loss provision to net charge-offs | 134.3284% | 1,375 |
| Earnings coverage of net charge-offs (x) | 10.7313% | 2,182 |
| Efficiency ratio | 62.0380% | 2,759 |
| Assets per employee ($millions) | 5.4320% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9167% | 514 |
| Loan loss allowance to noncurrent loans | 149.4792% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 549 |
| Noncurrent loans to loans | 1.2822% | 537 |
| Net loans and leases to total assets | 64.3800% | 2,210 |
| Net loans and leases to deposits | 83.3513% | 1,513 |
| Net loans and leases to core deposits | 88.5741% | 1,577 |
| Total domestic deposits to total assets | 77.2300% | 4,150 |
| Equity capital to assets | 22.2752% | 186 |
| Core capital (leverage) ratio | 22.4059% | 197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $118,863,000 | 3,741 |
| Average earning assets | $116,727,400 | 3,657 |
| Average equity | $25,071,200 | 2,580 |
| Average total loans | $72,082,600 | 3,542 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6017% | 2,343 |
| Cost of funding earning assets | 0.6964% | 273 |
| Net interest margin | 2.9054% | 3,488 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.9190% | 3,704 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.7041% | 3,558 |
| Return on assets (ROA) | 0.7041% | 3,512 |
| Pretax return on assets | 0.9029% | 3,304 |
| Return on Equity (ROE) | 3.3800% | 4,252 |
| Retained earnings to average equity (ytd only) | 3.3831% | 3,675 |
| Net charge-offs to loans | 0.1438% | 459 |
| Credit loss provision to net charge-offs | 155.8442% | 1,109 |
| Earnings coverage of net charge-offs (x) | 12.1169% | 1,927 |
| Efficiency ratio | 64.9380% | 2,414 |
| Assets per employee ($millions) | 5.7490% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9422% | 556 |
| Loan loss allowance to noncurrent loans | 94.0867% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.2607% | 305 |
| Noncurrent loans to loans | 2.0642% | 292 |
| Net loans and leases to total assets | 59.8900% | 2,515 |
| Net loans and leases to deposits | 75.9071% | 1,885 |
| Net loans and leases to core deposits | 80.9748% | 1,832 |
| Total domestic deposits to total assets | 78.8900% | 4,186 |
| Equity capital to assets | 20.6968% | 202 |
| Core capital (leverage) ratio | 21.3886% | 209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $120,060,500 | 3,752 |
| Average earning assets | $117,940,000 | 3,670 |
| Average equity | $24,986,500 | 2,623 |
| Average total loans | $71,385,750 | 3,565 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4113% | 2,397 |
| Cost of funding earning assets | 0.6897% | 167 |
| Net interest margin | 2.7216% | 3,663 |
| Noninterest income to average assets | 0.1018% | 4,474 |
| Noninterest expense to average assets | 1.9143% | 3,667 |
| Loan and lease loss provision to assets | 0.1001% | 1,001 |
| Net operating income to assets | 0.5925% | 3,647 |
| Return on assets (ROA) | 0.5925% | 3,589 |
| Pretax return on assets | 0.7610% | 3,423 |
| Return on Equity (ROE) | 2.8416% | 4,233 |
| Retained earnings to average equity (ytd only) | 2.8416% | 3,492 |
| Net charge-offs to loans | 0.0595% | 810 |
| Credit loss provision to net charge-offs | 285.7143% | 820 |
| Earnings coverage of net charge-offs (x) | 24.5714% | 1,476 |
| Efficiency ratio | 68.9717% | 2,107 |
| Assets per employee ($millions) | 5.7626% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9900% | 566 |
| Loan loss allowance to noncurrent loans | 104.1575% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.1329% | 386 |
| Noncurrent loans to loans | 1.9105% | 342 |
| Net loans and leases to total assets | 58.1184% | 2,525 |
| Net loans and leases to deposits | 73.5560% | 1,912 |
| Net loans and leases to core deposits | 78.7451% | 1,799 |
| Total domestic deposits to total assets | 79.0125% | 4,299 |
| Equity capital to assets | 20.5346% | 158 |
| Core capital (leverage) ratio | 21.1732% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,837,667 | 3,801 |
| Average earning assets | $117,727,000 | 3,728 |
| Average equity | $24,986,333 | 2,684 |
| Average total loans | $70,603,667 | 3,612 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3108% | 2,355 |
| Cost of funding earning assets | 0.7031% | 151 |
| Net interest margin | 2.6077% | 3,640 |
| Noninterest income to average assets | 0.1174% | 4,420 |
| Noninterest expense to average assets | 1.8885% | 3,704 |
| Loan and lease loss provision to assets | 0.1006% | 831 |
| Net operating income to assets | 0.5367% | 3,606 |
| Return on assets (ROA) | 0.5367% | 3,572 |
| Pretax return on assets | 0.6910% | 3,420 |
| Return on Equity (ROE) | 2.5544% | 4,174 |
| Retained earnings to average equity (ytd only) | 2.5544% | 3,398 |
| Net charge-offs to loans | 0.0171% | 1,189 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 78.6667% | 751 |
| Efficiency ratio | 70.4631% | 2,163 |
| Assets per employee ($millions) | 5.7306% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0335% | 588 |
| Loan loss allowance to noncurrent loans | 170.6024% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 823 |
| Noncurrent loans to loans | 1.1919% | 747 |
| Net loans and leases to total assets | 56.6876% | 2,451 |
| Net loans and leases to deposits | 72.0225% | 1,773 |
| Net loans and leases to core deposits | 77.4169% | 1,663 |
| Total domestic deposits to total assets | 78.7082% | 4,365 |
| Equity capital to assets | 20.7409% | 147 |
| Core capital (leverage) ratio | 20.7988% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,249,000 | 3,826 |
| Average earning assets | $117,192,500 | 3,755 |
| Average equity | $25,054,500 | 2,774 |
| Average total loans | $70,025,500 | 3,618 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7013% | 2,107 |
| Cost of funding earning assets | 0.8114% | 193 |
| Net interest margin | 2.8899% | 3,472 |
| Noninterest income to average assets | 0.0862% | 4,649 |
| Noninterest expense to average assets | 2.0662% | 3,480 |
| Loan and lease loss provision to assets | 0.2111% | 497 |
| Net operating income to assets | 0.5032% | 4,079 |
| Return on assets (ROA) | 0.5032% | 4,123 |
| Pretax return on assets | 0.6445% | 4,047 |
| Return on Equity (ROE) | 2.3420% | 4,460 |
| Retained earnings to average equity (ytd only) | 2.3420% | 3,873 |
| Net charge-offs to loans | 0.2540% | 356 |
| Credit loss provision to net charge-offs | 132.4324% | 1,566 |
| Earnings coverage of net charge-offs (x) | 5.3676% | 2,449 |
| Efficiency ratio | 70.7166% | 1,655 |
| Assets per employee ($millions) | 5.6265% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9726% | 631 |
| Loan loss allowance to noncurrent loans | 170.0122% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 923 |
| Noncurrent loans to loans | 1.1602% | 831 |
| Net loans and leases to total assets | 58.4202% | 2,328 |
| Net loans and leases to deposits | 74.6165% | 1,681 |
| Net loans and leases to core deposits | 80.1382% | 1,580 |
| Total domestic deposits to total assets | 78.2940% | 4,364 |
| Equity capital to assets | 21.2846% | 143 |
| Core capital (leverage) ratio | 21.0088% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,056,200 | 3,841 |
| Average earning assets | $113,879,000 | 3,763 |
| Average equity | $24,936,400 | 2,854 |
| Average total loans | $72,826,200 | 3,603 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7888% | 2,037 |
| Cost of funding earning assets | 0.8319% | 212 |
| Net interest margin | 2.9569% | 3,425 |
| Noninterest income to average assets | 0.0854% | 4,722 |
| Noninterest expense to average assets | 2.0450% | 3,539 |
| Loan and lease loss provision to assets | 0.2138% | 466 |
| Net operating income to assets | 0.5724% | 4,062 |
| Return on assets (ROA) | 0.5724% | 4,103 |
| Pretax return on assets | 0.7271% | 4,020 |
| Return on Equity (ROE) | 2.6577% | 4,509 |
| Retained earnings to average equity (ytd only) | 2.6577% | 4,015 |
| Net charge-offs to loans | 0.2887% | 279 |
| Credit loss provision to net charge-offs | 116.3522% | 1,481 |
| Earnings coverage of net charge-offs (x) | 5.1258% | 2,237 |
| Efficiency ratio | 68.4963% | 1,758 |
| Assets per employee ($millions) | 5.4010% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 781 |
| Loan loss allowance to noncurrent loans | 138.6899% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.8222% | 859 |
| Noncurrent loans to loans | 1.3669% | 780 |
| Net loans and leases to total assets | 59.0143% | 2,369 |
| Net loans and leases to deposits | 75.3465% | 1,732 |
| Net loans and leases to core deposits | 80.6863% | 1,680 |
| Total domestic deposits to total assets | 78.3239% | 4,391 |
| Equity capital to assets | 21.1543% | 155 |
| Core capital (leverage) ratio | 21.2454% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,531,250 | 3,893 |
| Average earning assets | $113,312,750 | 3,807 |
| Average equity | $24,883,250 | 2,896 |
| Average total loans | $73,428,750 | 3,643 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8264% | 2,001 |
| Cost of funding earning assets | 0.8541% | 225 |
| Net interest margin | 2.9723% | 3,388 |
| Noninterest income to average assets | 0.0839% | 4,748 |
| Noninterest expense to average assets | 2.0728% | 3,472 |
| Loan and lease loss provision to assets | 0.2185% | 488 |
| Net operating income to assets | 0.5558% | 4,090 |
| Return on assets (ROA) | 0.5558% | 4,140 |
| Pretax return on assets | 0.7061% | 4,053 |
| Return on Equity (ROE) | 2.5646% | 4,541 |
| Retained earnings to average equity (ytd only) | 2.5646% | 3,979 |
| Net charge-offs to loans | 0.2727% | 326 |
| Credit loss provision to net charge-offs | 123.7624% | 1,243 |
| Earnings coverage of net charge-offs (x) | 5.2376% | 2,005 |
| Efficiency ratio | 69.1545% | 1,743 |
| Assets per employee ($millions) | 5.0760% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8489% | 816 |
| Loan loss allowance to noncurrent loans | 118.4764% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.1058% | 661 |
| Noncurrent loans to loans | 1.5606% | 715 |
| Net loans and leases to total assets | 61.5217% | 2,235 |
| Net loans and leases to deposits | 78.6281% | 1,563 |
| Net loans and leases to core deposits | 84.3078% | 1,537 |
| Total domestic deposits to total assets | 78.2439% | 4,415 |
| Equity capital to assets | 21.3621% | 144 |
| Core capital (leverage) ratio | 21.3204% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,434,333 | 3,921 |
| Average earning assets | $112,167,667 | 3,833 |
| Average equity | $24,799,000 | 2,891 |
| Average total loans | $74,079,333 | 3,651 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 1,726 |
| Cost of funding earning assets | 0.8899% | 234 |
| Net interest margin | 3.0481% | 3,131 |
| Noninterest income to average assets | 0.0847% | 4,749 |
| Noninterest expense to average assets | 2.0975% | 3,434 |
| Loan and lease loss provision to assets | 0.2295% | 496 |
| Net operating income to assets | 0.5862% | 3,976 |
| Return on assets (ROA) | 0.5862% | 4,034 |
| Pretax return on assets | 0.7451% | 3,923 |
| Return on Equity (ROE) | 2.6852% | 4,528 |
| Retained earnings to average equity (ytd only) | 2.6852% | 3,875 |
| Net charge-offs to loans | 0.2845% | 301 |
| Credit loss provision to net charge-offs | 122.6415% | 1,039 |
| Earnings coverage of net charge-offs (x) | 5.2075% | 1,693 |
| Efficiency ratio | 68.2759% | 1,897 |
| Assets per employee ($millions) | 5.2256% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8177% | 844 |
| Loan loss allowance to noncurrent loans | 79.5846% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.5953% | 372 |
| Noncurrent loans to loans | 2.2840% | 429 |
| Net loans and leases to total assets | 63.0046% | 2,171 |
| Net loans and leases to deposits | 80.8032% | 1,442 |
| Net loans and leases to core deposits | 86.7366% | 1,472 |
| Total domestic deposits to total assets | 77.9729% | 4,435 |
| Equity capital to assets | 21.5635% | 133 |
| Core capital (leverage) ratio | 21.7837% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,277,000 | 3,938 |
| Average earning assets | $111,018,500 | 3,859 |
| Average equity | $24,728,500 | 2,890 |
| Average total loans | $74,529,500 | 3,662 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 1,400 |
| Cost of funding earning assets | 1.0900% | 415 |
| Net interest margin | 3.3750% | 2,851 |
| Noninterest income to average assets | 0.0697% | 4,821 |
| Noninterest expense to average assets | 2.2469% | 3,550 |
| Loan and lease loss provision to assets | 0.2935% | 1,290 |
| Net operating income to assets | 0.6612% | 3,555 |
| Return on assets (ROA) | 0.6612% | 3,680 |
| Pretax return on assets | 0.8318% | 3,551 |
| Return on Equity (ROE) | 2.9586% | 4,393 |
| Retained earnings to average equity (ytd only) | 2.9586% | 3,382 |
| Net charge-offs to loans | 0.4418% | 379 |
| Credit loss provision to net charge-offs | 92.7536% | 2,906 |
| Earnings coverage of net charge-offs (x) | 3.5565% | 3,076 |
| Efficiency ratio | 66.6304% | 2,420 |
| Assets per employee ($millions) | 4.8518% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7653% | 917 |
| Loan loss allowance to noncurrent loans | 93.3287% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.4096% | 542 |
| Noncurrent loans to loans | 1.8915% | 634 |
| Net loans and leases to total assets | 66.2751% | 2,062 |
| Net loans and leases to deposits | 85.4757% | 1,295 |
| Net loans and leases to core deposits | 92.5828% | 1,335 |
| Total domestic deposits to total assets | 77.5367% | 4,364 |
| Equity capital to assets | 22.1048% | 135 |
| Core capital (leverage) ratio | 21.6582% | 137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,040,200 | 3,888 |
| Average earning assets | $106,695,400 | 3,817 |
| Average equity | $24,369,400 | 2,853 |
| Average total loans | $78,091,400 | 3,592 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 1,532 |
| Cost of funding earning assets | 1.1253% | 486 |
| Net interest margin | 3.3898% | 2,952 |
| Noninterest income to average assets | 0.0886% | 4,791 |
| Noninterest expense to average assets | 2.1684% | 3,753 |
| Loan and lease loss provision to assets | 0.3072% | 1,304 |
| Net operating income to assets | 0.7257% | 3,370 |
| Return on assets (ROA) | 0.7257% | 3,469 |
| Pretax return on assets | 0.9286% | 3,299 |
| Return on Equity (ROE) | 3.2379% | 4,343 |
| Retained earnings to average equity (ytd only) | 3.2379% | 3,420 |
| Net charge-offs to loans | 0.4738% | 311 |
| Credit loss provision to net charge-offs | 89.2857% | 2,704 |
| Earnings coverage of net charge-offs (x) | 3.5893% | 2,903 |
| Efficiency ratio | 63.6922% | 2,789 |
| Assets per employee ($millions) | 4.6237% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6863% | 914 |
| Loan loss allowance to noncurrent loans | 70.3133% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.8987% | 370 |
| Noncurrent loans to loans | 2.3982% | 455 |
| Net loans and leases to total assets | 69.5618% | 2,018 |
| Net loans and leases to deposits | 89.8104% | 1,287 |
| Net loans and leases to core deposits | 97.0590% | 1,377 |
| Total domestic deposits to total assets | 77.4541% | 4,270 |
| Equity capital to assets | 22.1395% | 146 |
| Core capital (leverage) ratio | 21.9741% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,402,500 | 3,896 |
| Average earning assets | $106,040,750 | 3,819 |
| Average equity | $24,295,000 | 2,853 |
| Average total loans | $78,792,750 | 3,598 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6457% | 1,547 |
| Cost of funding earning assets | 1.1614% | 589 |
| Net interest margin | 3.4842% | 2,843 |
| Noninterest income to average assets | 0.0874% | 4,817 |
| Noninterest expense to average assets | 2.2167% | 3,729 |
| Loan and lease loss provision to assets | 0.3347% | 1,278 |
| Net operating income to assets | 0.7439% | 3,232 |
| Return on assets (ROA) | 0.7439% | 3,350 |
| Pretax return on assets | 0.9447% | 3,194 |
| Return on Equity (ROE) | 3.3052% | 4,285 |
| Retained earnings to average equity (ytd only) | 3.3052% | 3,268 |
| Net charge-offs to loans | 0.5831% | 266 |
| Credit loss provision to net charge-offs | 78.2609% | 2,514 |
| Earnings coverage of net charge-offs (x) | 2.9913% | 2,719 |
| Efficiency ratio | 63.4043% | 2,897 |
| Assets per employee ($millions) | 4.5577% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 913 |
| Loan loss allowance to noncurrent loans | 94.6986% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.3951% | 700 |
| Noncurrent loans to loans | 1.7357% | 825 |
| Net loans and leases to total assets | 71.3349% | 1,827 |
| Net loans and leases to deposits | 92.2918% | 1,128 |
| Net loans and leases to core deposits | 99.8413% | 1,264 |
| Total domestic deposits to total assets | 77.2928% | 4,284 |
| Equity capital to assets | 22.3140% | 139 |
| Core capital (leverage) ratio | 22.1341% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,547,000 | 3,897 |
| Average earning assets | $105,216,667 | 3,819 |
| Average equity | $24,204,000 | 2,838 |
| Average total loans | $78,885,000 | 3,596 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7505% | 1,555 |
| Cost of funding earning assets | 1.2001% | 773 |
| Net interest margin | 3.5504% | 2,819 |
| Noninterest income to average assets | 0.0938% | 4,848 |
| Noninterest expense to average assets | 2.2245% | 3,948 |
| Loan and lease loss provision to assets | 0.3001% | 1,031 |
| Net operating income to assets | 0.8215% | 2,828 |
| Return on assets (ROA) | 0.8215% | 2,916 |
| Pretax return on assets | 1.0429% | 2,693 |
| Return on Equity (ROE) | 3.6346% | 4,058 |
| Retained earnings to average equity (ytd only) | 3.6346% | 2,831 |
| Net charge-offs to loans | 0.3712% | 385 |
| Credit loss provision to net charge-offs | 109.5890% | 1,759 |
| Earnings coverage of net charge-offs (x) | 4.9041% | 2,103 |
| Efficiency ratio | 62.3554% | 3,458 |
| Assets per employee ($millions) | 4.4666% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 803 |
| Loan loss allowance to noncurrent loans | 84.0123% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.6502% | 611 |
| Noncurrent loans to loans | 2.0736% | 664 |
| Net loans and leases to total assets | 71.6105% | 1,979 |
| Net loans and leases to deposits | 93.0102% | 1,182 |
| Net loans and leases to core deposits | 101.9740% | 1,323 |
| Total domestic deposits to total assets | 76.9921% | 4,352 |
| Equity capital to assets | 22.5825% | 161 |
| Core capital (leverage) ratio | 22.5512% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,628,500 | 3,890 |
| Average earning assets | $104,326,500 | 3,814 |
| Average equity | $24,102,000 | 2,842 |
| Average total loans | $78,661,000 | 3,606 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9578% | 1,594 |
| Cost of funding earning assets | 1.1697% | 1,098 |
| Net interest margin | 3.7881% | 2,542 |
| Noninterest income to average assets | 0.1011% | 4,925 |
| Noninterest expense to average assets | 2.3063% | 3,930 |
| Loan and lease loss provision to assets | 0.2881% | 592 |
| Net operating income to assets | 0.9690% | 2,954 |
| Return on assets (ROA) | 0.9690% | 3,039 |
| Pretax return on assets | 1.2136% | 2,791 |
| Return on Equity (ROE) | 4.3704% | 4,382 |
| Retained earnings to average equity (ytd only) | 4.3704% | 2,780 |
| Net charge-offs to loans | 0.3551% | 563 |
| Credit loss provision to net charge-offs | 109.7122% | 2,270 |
| Earnings coverage of net charge-offs (x) | 5.7194% | 3,050 |
| Efficiency ratio | 60.5655% | 3,613 |
| Assets per employee ($millions) | 4.4191% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 779 |
| Loan loss allowance to noncurrent loans | 71.3759% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.7886% | 491 |
| Noncurrent loans to loans | 2.3953% | 477 |
| Net loans and leases to total assets | 73.3950% | 1,857 |
| Net loans and leases to deposits | 95.3946% | 1,004 |
| Net loans and leases to core deposits | 105.0471% | 1,164 |
| Total domestic deposits to total assets | 76.9383% | 4,495 |
| Equity capital to assets | 22.6251% | 165 |
| Core capital (leverage) ratio | 22.2562% | 168 |
| Tier 1 risk-based capital ratio | 43.8976% | 191 |
| Total risk-based capital ratio | 45.1639% | 187 |
| Memoranda: | ||
| Average total assets | $105,881,800 | 3,901 |
| Average earning assets | $103,614,000 | 3,806 |
| Average equity | $23,476,000 | 2,837 |
| Average total loans | $78,284,800 | 3,630 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9457% | 1,690 |
| Cost of funding earning assets | 1.1498% | 1,175 |
| Net interest margin | 3.7959% | 2,615 |
| Noninterest income to average assets | 0.0995% | 4,994 |
| Noninterest expense to average assets | 2.2323% | 4,116 |
| Loan and lease loss provision to assets | 0.2708% | 576 |
| Net operating income to assets | 1.0494% | 2,787 |
| Return on assets (ROA) | 1.0494% | 2,878 |
| Pretax return on assets | 1.3101% | 2,631 |
| Return on Equity (ROE) | 4.7573% | 4,398 |
| Retained earnings to average equity (ytd only) | 4.7573% | 3,022 |
| Net charge-offs to loans | 0.3092% | 565 |
| Credit loss provision to net charge-offs | 118.7845% | 1,971 |
| Earnings coverage of net charge-offs (x) | 6.9336% | 2,794 |
| Efficiency ratio | 58.5398% | 3,856 |
| Assets per employee ($millions) | 4.8065% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 814 |
| Loan loss allowance to noncurrent loans | 77.6826% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.7032% | 603 |
| Noncurrent loans to loans | 2.1912% | 581 |
| Net loans and leases to total assets | 74.3248% | 1,747 |
| Net loans and leases to deposits | 96.4995% | 955 |
| Net loans and leases to core deposits | 106.4426% | 1,152 |
| Total domestic deposits to total assets | 77.0209% | 4,512 |
| Equity capital to assets | 22.5062% | 170 |
| Core capital (leverage) ratio | 22.1392% | 172 |
| Tier 1 risk-based capital ratio | 39.7767% | 248 |
| Total risk-based capital ratio | 41.0394% | 247 |
| Memoranda: | ||
| Average total assets | $105,837,500 | 3,944 |
| Average earning assets | $103,548,500 | 3,855 |
| Average equity | $23,346,000 | 2,866 |
| Average total loans | $78,057,000 | 3,677 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8794% | 1,818 |
| Cost of funding earning assets | 1.1276% | 1,205 |
| Net interest margin | 3.7517% | 2,746 |
| Noninterest income to average assets | 0.1001% | 5,039 |
| Noninterest expense to average assets | 2.2537% | 4,114 |
| Loan and lease loss provision to assets | 0.2078% | 816 |
| Net operating income to assets | 1.0315% | 2,797 |
| Return on assets (ROA) | 1.0315% | 2,879 |
| Pretax return on assets | 1.3092% | 2,531 |
| Return on Equity (ROE) | 4.7079% | 4,418 |
| Retained earnings to average equity (ytd only) | 4.7079% | 2,912 |
| Net charge-offs to loans | 0.1447% | 1,070 |
| Credit loss provision to net charge-offs | 196.4286% | 1,231 |
| Earnings coverage of net charge-offs (x) | 14.3393% | 2,044 |
| Efficiency ratio | 59.7695% | 3,767 |
| Assets per employee ($millions) | 4.7587% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 726 |
| Loan loss allowance to noncurrent loans | 47.3756% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.8312% | 230 |
| Noncurrent loans to loans | 3.7297% | 207 |
| Net loans and leases to total assets | 73.3342% | 1,995 |
| Net loans and leases to deposits | 95.2390% | 1,124 |
| Net loans and leases to core deposits | 103.6561% | 1,417 |
| Total domestic deposits to total assets | 77.0002% | 4,558 |
| Equity capital to assets | 22.4630% | 168 |
| Core capital (leverage) ratio | 21.9094% | 174 |
| Tier 1 risk-based capital ratio | 41.6336% | 215 |
| Total risk-based capital ratio | 42.9019% | 213 |
| Memoranda: | ||
| Average total assets | $105,868,670 | 3,963 |
| Average earning assets | $103,579,330 | 3,878 |
| Average equity | $23,195,000 | 2,866 |
| Average total loans | $77,424,330 | 3,708 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8771% | 1,666 |
| Cost of funding earning assets | 1.0983% | 1,192 |
| Net interest margin | 3.7788% | 2,605 |
| Noninterest income to average assets | 0.0977% | 5,086 |
| Noninterest expense to average assets | 2.2732% | 4,092 |
| Loan and lease loss provision to assets | 0.1691% | 988 |
| Net operating income to assets | 1.0671% | 2,590 |
| Return on assets (ROA) | 1.0671% | 2,641 |
| Pretax return on assets | 1.3527% | 2,255 |
| Return on Equity (ROE) | 4.9318% | 4,339 |
| Retained earnings to average equity (ytd only) | 4.9318% | 2,933 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9010% | 3,817 |
| Assets per employee ($millions) | 4.8234% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7739% | 738 |
| Loan loss allowance to noncurrent loans | 54.3366% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 2.4784% | 316 |
| Noncurrent loans to loans | 3.2646% | 300 |
| Net loans and leases to total assets | 71.5940% | 2,231 |
| Net loans and leases to deposits | 92.3638% | 1,362 |
| Net loans and leases to core deposits | 102.6829% | 1,402 |
| Total domestic deposits to total assets | 77.5131% | 4,589 |
| Equity capital to assets | 21.8829% | 177 |
| Core capital (leverage) ratio | 21.5258% | 182 |
| Tier 1 risk-based capital ratio | 41.8414% | 208 |
| Total risk-based capital ratio | 43.1070% | 203 |
| Memoranda: | ||
| Average total assets | $106,457,000 | 3,993 |
| Average earning assets | $104,159,500 | 3,911 |
| Average equity | $23,034,000 | 2,882 |
| Average total loans | $77,058,500 | 3,751 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 1,640 |
| Cost of funding earning assets | 0.9893% | 795 |
| Net interest margin | 3.7717% | 2,773 |
| Noninterest income to average assets | 0.0934% | 5,172 |
| Noninterest expense to average assets | 2.3479% | 3,994 |
| Loan and lease loss provision to assets | 0.2034% | 927 |
| Net operating income to assets | 0.9691% | 3,143 |
| Return on assets (ROA) | 0.9691% | 3,143 |
| Pretax return on assets | 1.2299% | 2,777 |
| Return on Equity (ROE) | 4.6927% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.6927% | 2,939 |
| Net charge-offs to loans | 0.1351% | 1,405 |
| Credit loss provision to net charge-offs | 217.8218% | 1,331 |
| Earnings coverage of net charge-offs (x) | 15.3465% | 2,329 |
| Efficiency ratio | 62.0934% | 3,504 |
| Assets per employee ($millions) | 4.4500% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7285% | 789 |
| Loan loss allowance to noncurrent loans | 53.7682% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 2.4092% | 328 |
| Noncurrent loans to loans | 3.2147% | 295 |
| Net loans and leases to total assets | 70.6430% | 2,475 |
| Net loans and leases to deposits | 90.4097% | 1,745 |
| Net loans and leases to core deposits | 100.4326% | 1,685 |
| Total domestic deposits to total assets | 78.1365% | 4,467 |
| Equity capital to assets | 21.3925% | 183 |
| Core capital (leverage) ratio | 21.0229% | 194 |
| Tier 1 risk-based capital ratio | 41.6674% | 210 |
| Total risk-based capital ratio | 42.9343% | 209 |
| Memoranda: | ||
| Average total assets | $108,141,400 | 3,967 |
| Average earning assets | $105,733,600 | 3,882 |
| Average equity | $22,332,400 | 2,878 |
| Average total loans | $74,756,800 | 3,778 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 1,798 |
| Cost of funding earning assets | 0.9693% | 687 |
| Net interest margin | 3.6898% | 3,059 |
| Noninterest income to average assets | 0.0922% | 5,234 |
| Noninterest expense to average assets | 2.2603% | 4,200 |
| Loan and lease loss provision to assets | 0.1659% | 1,136 |
| Net operating income to assets | 1.0017% | 3,074 |
| Return on assets (ROA) | 1.0017% | 3,088 |
| Pretax return on assets | 1.2734% | 2,713 |
| Return on Equity (ROE) | 4.8939% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.8939% | 3,293 |
| Net charge-offs to loans | 0.0844% | 1,670 |
| Credit loss provision to net charge-offs | 287.2340% | 1,059 |
| Earnings coverage of net charge-offs (x) | 24.9129% | 1,794 |
| Efficiency ratio | 61.0963% | 3,649 |
| Assets per employee ($millions) | 4.5097% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 874 |
| Loan loss allowance to noncurrent loans | 48.8504% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 2.6064% | 325 |
| Noncurrent loans to loans | 3.4754% | 279 |
| Net loans and leases to total assets | 69.3319% | 2,751 |
| Net loans and leases to deposits | 88.1962% | 2,129 |
| Net loans and leases to core deposits | 97.7274% | 1,960 |
| Total domestic deposits to total assets | 78.6110% | 4,394 |
| Equity capital to assets | 20.8661% | 198 |
| Core capital (leverage) ratio | 20.8026% | 203 |
| Tier 1 risk-based capital ratio | 41.4319% | 212 |
| Total risk-based capital ratio | 42.6992% | 210 |
| Memoranda: | ||
| Average total assets | $108,477,000 | 4,009 |
| Average earning assets | $106,055,750 | 3,913 |
| Average equity | $22,203,750 | 2,895 |
| Average total loans | $74,252,750 | 3,821 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 1,882 |
| Cost of funding earning assets | 0.9496% | 588 |
| Net interest margin | 3.6174% | 3,245 |
| Noninterest income to average assets | 0.0884% | 5,301 |
| Noninterest expense to average assets | 2.2587% | 4,243 |
| Loan and lease loss provision to assets | 0.1658% | 1,111 |
| Net operating income to assets | 0.9470% | 3,249 |
| Return on assets (ROA) | 0.9470% | 3,257 |
| Pretax return on assets | 1.2012% | 2,944 |
| Return on Equity (ROE) | 4.6564% | 4,647 |
| Retained earnings to average equity (ytd only) | 4.6564% | 3,259 |
| Net charge-offs to loans | 0.1278% | 1,157 |
| Credit loss provision to net charge-offs | 191.4894% | 1,346 |
| Earnings coverage of net charge-offs (x) | 15.7872% | 2,020 |
| Efficiency ratio | 62.2967% | 3,588 |
| Assets per employee ($millions) | 4.4985% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 938 |
| Loan loss allowance to noncurrent loans | 39.6262% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 3.0798% | 232 |
| Noncurrent loans to loans | 4.2375% | 200 |
| Net loans and leases to total assets | 67.8473% | 2,893 |
| Net loans and leases to deposits | 86.0934% | 2,296 |
| Net loans and leases to core deposits | 95.4049% | 2,111 |
| Total domestic deposits to total assets | 78.8066% | 4,459 |
| Equity capital to assets | 20.6654% | 198 |
| Core capital (leverage) ratio | 20.5833% | 201 |
| Tier 1 risk-based capital ratio | 41.4686% | 212 |
| Total risk-based capital ratio | 42.7349% | 209 |
| Memoranda: | ||
| Average total assets | $108,558,330 | 4,041 |
| Average earning assets | $106,152,670 | 3,942 |
| Average equity | $22,077,000 | 2,918 |
| Average total loans | $73,558,330 | 3,857 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4770% | 1,938 |
| Cost of funding earning assets | 0.9239% | 530 |
| Net interest margin | 3.5531% | 3,330 |
| Noninterest income to average assets | 0.0882% | 5,368 |
| Noninterest expense to average assets | 2.2452% | 4,313 |
| Loan and lease loss provision to assets | 0.1654% | 1,079 |
| Net operating income to assets | 0.9076% | 3,260 |
| Return on assets (ROA) | 0.9076% | 3,267 |
| Pretax return on assets | 1.1538% | 2,960 |
| Return on Equity (ROE) | 4.4991% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.4991% | 3,399 |
| Net charge-offs to loans | 0.0493% | 1,610 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 39.8889% | 1,069 |
| Efficiency ratio | 62.9897% | 3,637 |
| Assets per employee ($millions) | 4.5405% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 974 |
| Loan loss allowance to noncurrent loans | 39.3671% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 3.0549% | 261 |
| Noncurrent loans to loans | 4.2860% | 217 |
| Net loans and leases to total assets | 66.5171% | 2,964 |
| Net loans and leases to deposits | 84.0250% | 2,389 |
| Net loans and leases to core deposits | 92.7452% | 2,239 |
| Total domestic deposits to total assets | 79.1635% | 4,554 |
| Equity capital to assets | 20.2676% | 206 |
| Core capital (leverage) ratio | 20.3402% | 200 |
| Tier 1 risk-based capital ratio | 41.3806% | 210 |
| Total risk-based capital ratio | 42.6463% | 207 |
| Memoranda: | ||
| Average total assets | $108,856,000 | 4,083 |
| Average earning assets | $106,499,500 | 3,976 |
| Average equity | $21,960,000 | 2,959 |
| Average total loans | $73,087,000 | 3,906 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 2,298 |
| Cost of funding earning assets | 0.8854% | 407 |
| Net interest margin | 3.4221% | 3,779 |
| Noninterest income to average assets | 0.1113% | 5,367 |
| Noninterest expense to average assets | 2.2912% | 4,357 |
| Loan and lease loss provision to assets | 0.1629% | 1,369 |
| Net operating income to assets | 0.4633% | 4,482 |
| Return on assets (ROA) | 0.4633% | 4,516 |
| Pretax return on assets | 1.0008% | 3,564 |
| Return on Equity (ROE) | 2.3618% | 4,984 |
| Retained earnings to average equity (ytd only) | 2.3618% | 3,910 |
| Net charge-offs to loans | 0.0398% | 3,001 |
| Credit loss provision to net charge-offs | 620.6897% | 516 |
| Earnings coverage of net charge-offs (x) | 44.3448% | 1,184 |
| Efficiency ratio | 66.3174% | 3,202 |
| Assets per employee ($millions) | 4.3496% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6675% | 998 |
| Loan loss allowance to noncurrent loans | 41.5120% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 2.6761% | 327 |
| Noncurrent loans to loans | 4.0168% | 235 |
| Net loans and leases to total assets | 65.5113% | 3,158 |
| Net loans and leases to deposits | 82.4445% | 2,677 |
| Net loans and leases to core deposits | 90.6485% | 2,496 |
| Total domestic deposits to total assets | 79.4611% | 4,455 |
| Equity capital to assets | 20.0791% | 205 |
| Core capital (leverage) ratio | 19.6898% | 209 |
| Tier 1 risk-based capital ratio | 41.8953% | 189 |
| Total risk-based capital ratio | 43.1607% | 185 |
| Memoranda: | ||
| Average total assets | $110,512,000 | 4,052 |
| Average earning assets | $107,974,000 | 3,950 |
| Average equity | $21,678,000 | 2,980 |
| Average total loans | $72,824,200 | 3,901 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2439% | 2,454 |
| Cost of funding earning assets | 0.8663% | 422 |
| Net interest margin | 3.3777% | 3,924 |
| Noninterest income to average assets | 0.1166% | 5,412 |
| Noninterest expense to average assets | 2.2087% | 4,507 |
| Loan and lease loss provision to assets | 0.1622% | 1,259 |
| Net operating income to assets | 0.7102% | 3,923 |
| Return on assets (ROA) | 0.7102% | 3,986 |
| Pretax return on assets | 1.0442% | 3,510 |
| Return on Equity (ROE) | 3.6415% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.6415% | 3,757 |
| Net charge-offs to loans | 0.0439% | 2,563 |
| Credit loss provision to net charge-offs | 562.5000% | 565 |
| Earnings coverage of net charge-offs (x) | 41.8322% | 1,256 |
| Efficiency ratio | 64.6728% | 3,424 |
| Assets per employee ($millions) | 4.4579% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 1,208 |
| Loan loss allowance to noncurrent loans | 35.6750% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 2.9377% | 310 |
| Noncurrent loans to loans | 4.5232% | 194 |
| Net loans and leases to total assets | 63.9003% | 3,416 |
| Net loans and leases to deposits | 80.1249% | 2,964 |
| Net loans and leases to core deposits | 88.3133% | 2,738 |
| Total domestic deposits to total assets | 79.7509% | 4,376 |
| Equity capital to assets | 19.7071% | 238 |
| Core capital (leverage) ratio | 19.7781% | 216 |
| Tier 1 risk-based capital ratio | 41.7759% | 198 |
| Total risk-based capital ratio | 43.0412% | 198 |
| Memoranda: | ||
| Average total assets | $110,955,000 | 4,093 |
| Average earning assets | $108,356,500 | 3,990 |
| Average equity | $21,639,000 | 3,009 |
| Average total loans | $72,919,000 | 3,927 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 2,268 |
| Cost of funding earning assets | 0.8580% | 389 |
| Net interest margin | 3.3969% | 3,780 |
| Noninterest income to average assets | 0.1246% | 5,424 |
| Noninterest expense to average assets | 2.2240% | 4,521 |
| Loan and lease loss provision to assets | 0.1625% | 1,229 |
| Net operating income to assets | 0.7004% | 3,852 |
| Return on assets (ROA) | 0.7004% | 3,911 |
| Pretax return on assets | 1.0542% | 3,357 |
| Return on Equity (ROE) | 3.6041% | 4,950 |
| Retained earnings to average equity (ytd only) | 3.6041% | 3,561 |
| Net charge-offs to loans | 0.0219% | 2,786 |
| Credit loss provision to net charge-offs | 1,125.0000% | 352 |
| Earnings coverage of net charge-offs (x) | 84.2500% | 741 |
| Efficiency ratio | 64.6380% | 3,562 |
| Assets per employee ($millions) | 4.4077% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 1,394 |
| Loan loss allowance to noncurrent loans | 37.8531% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 2.7307% | 362 |
| Noncurrent loans to loans | 4.0977% | 228 |
| Net loans and leases to total assets | 65.6058% | 3,162 |
| Net loans and leases to deposits | 82.2465% | 2,676 |
| Net loans and leases to core deposits | 90.0062% | 2,528 |
| Total domestic deposits to total assets | 79.7673% | 4,466 |
| Equity capital to assets | 19.7317% | 230 |
| Core capital (leverage) ratio | 19.5612% | 215 |
| Tier 1 risk-based capital ratio | 41.0409% | 198 |
| Total risk-based capital ratio | 42.3013% | 196 |
| Memoranda: | ||
| Average total assets | $110,791,000 | 4,118 |
| Average earning assets | $108,158,000 | 4,014 |
| Average equity | $21,531,000 | 3,026 |
| Average total loans | $73,097,670 | 3,944 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 2,324 |
| Cost of funding earning assets | 0.8451% | 384 |
| Net interest margin | 3.3398% | 3,883 |
| Noninterest income to average assets | 0.1044% | 5,573 |
| Noninterest expense to average assets | 2.2216% | 4,585 |
| Loan and lease loss provision to assets | 0.1620% | 1,110 |
| Net operating income to assets | 0.6517% | 3,929 |
| Return on assets (ROA) | 0.6517% | 3,964 |
| Pretax return on assets | 0.9794% | 3,459 |
| Return on Equity (ROE) | 3.3792% | 4,995 |
| Retained earnings to average equity (ytd only) | 3.3792% | 3,745 |
| Net charge-offs to loans | 0.3126% | 592 |
| Credit loss provision to net charge-offs | 78.9474% | 1,760 |
| Earnings coverage of net charge-offs (x) | 5.5614% | 2,281 |
| Efficiency ratio | 66.0600% | 3,487 |
| Assets per employee ($millions) | 4.4249% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 1,949 |
| Loan loss allowance to noncurrent loans | 31.2968% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 3.2471% | 286 |
| Noncurrent loans to loans | 4.5673% | 193 |
| Net loans and leases to total assets | 65.1417% | 3,099 |
| Net loans and leases to deposits | 81.3816% | 2,585 |
| Net loans and leases to core deposits | 89.5268% | 2,393 |
| Total domestic deposits to total assets | 80.0447% | 4,610 |
| Equity capital to assets | 19.4536% | 226 |
| Core capital (leverage) ratio | 19.3952% | 216 |
| Tier 1 risk-based capital ratio | 40.1535% | 223 |
| Total risk-based capital ratio | 41.4153% | 220 |
| Memoranda: | ||
| Average total assets | $111,090,000 | 4,153 |
| Average earning assets | $108,390,500 | 4,039 |
| Average equity | $21,425,000 | 3,041 |
| Average total loans | $72,930,500 | 3,976 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2166% | 2,436 |
| Cost of funding earning assets | 0.8624% | 362 |
| Net interest margin | 3.3541% | 3,985 |
| Noninterest income to average assets | 0.0978% | 5,653 |
| Noninterest expense to average assets | 2.2543% | 4,644 |
| Loan and lease loss provision to assets | 0.1057% | 2,285 |
| Net operating income to assets | 0.6730% | 3,898 |
| Return on assets (ROA) | 0.6968% | 3,904 |
| Pretax return on assets | 1.0492% | 3,299 |
| Return on Equity (ROE) | 3.7686% | 4,910 |
| Retained earnings to average equity (ytd only) | 3.7686% | 3,237 |
| Net charge-offs to loans | 0.3183% | 863 |
| Credit loss provision to net charge-offs | 51.9481% | 3,353 |
| Earnings coverage of net charge-offs (x) | 5.4978% | 3,330 |
| Efficiency ratio | 66.8321% | 3,461 |
| Assets per employee ($millions) | 4.6483% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 1,861 |
| Loan loss allowance to noncurrent loans | 33.0003% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 2.9321% | 356 |
| Noncurrent loans to loans | 4.4024% | 213 |
| Net loans and leases to total assets | 64.2697% | 3,320 |
| Net loans and leases to deposits | 79.9541% | 2,895 |
| Net loans and leases to core deposits | 88.0973% | 2,665 |
| Total domestic deposits to total assets | 80.3833% | 4,485 |
| Equity capital to assets | 19.1201% | 237 |
| Core capital (leverage) ratio | 18.8974% | 237 |
| Tier 1 risk-based capital ratio | 39.9789% | 219 |
| Total risk-based capital ratio | 41.2404% | 216 |
| Memoranda: | ||
| Average total assets | $113,518,200 | 4,101 |
| Average earning assets | $110,848,400 | 3,993 |
| Average equity | $20,989,000 | 3,068 |
| Average total loans | $72,574,200 | 3,975 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2012% | 2,508 |
| Cost of funding earning assets | 0.8623% | 359 |
| Net interest margin | 3.3389% | 4,063 |
| Noninterest income to average assets | 0.0936% | 5,732 |
| Noninterest expense to average assets | 2.1904% | 4,794 |
| Loan and lease loss provision to assets | 0.1053% | 2,172 |
| Net operating income to assets | 0.7075% | 3,802 |
| Return on assets (ROA) | 0.7075% | 3,941 |
| Pretax return on assets | 1.0584% | 3,397 |
| Return on Equity (ROE) | 3.8589% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.8589% | 3,559 |
| Net charge-offs to loans | 0.2923% | 786 |
| Credit loss provision to net charge-offs | 56.6038% | 2,951 |
| Earnings coverage of net charge-offs (x) | 6.2580% | 3,021 |
| Efficiency ratio | 65.3068% | 3,709 |
| Assets per employee ($millions) | 4.7280% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 1,753 |
| Loan loss allowance to noncurrent loans | 44.1720% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 2.2525% | 642 |
| Noncurrent loans to loans | 3.4050% | 388 |
| Net loans and leases to total assets | 63.4239% | 3,468 |
| Net loans and leases to deposits | 78.5911% | 3,121 |
| Net loans and leases to core deposits | 86.7023% | 2,888 |
| Total domestic deposits to total assets | 80.7011% | 4,323 |
| Equity capital to assets | 18.6961% | 286 |
| Core capital (leverage) ratio | 18.5615% | 256 |
| Tier 1 risk-based capital ratio | 39.8559% | 228 |
| Total risk-based capital ratio | 41.1153% | 224 |
| Memoranda: | ||
| Average total assets | $114,008,250 | 4,121 |
| Average earning assets | $111,330,750 | 4,009 |
| Average equity | $20,903,750 | 3,101 |
| Average total loans | $72,529,000 | 4,004 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 2,619 |
| Cost of funding earning assets | 0.8610% | 355 |
| Net interest margin | 3.3041% | 4,218 |
| Noninterest income to average assets | 0.0841% | 5,831 |
| Noninterest expense to average assets | 2.1211% | 5,011 |
| Loan and lease loss provision to assets | 0.1051% | 2,104 |
| Net operating income to assets | 0.7094% | 3,744 |
| Return on assets (ROA) | 0.7094% | 3,895 |
| Pretax return on assets | 1.0842% | 3,263 |
| Return on Equity (ROE) | 3.8942% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.8942% | 3,420 |
| Net charge-offs to loans | 0.4368% | 517 |
| Credit loss provision to net charge-offs | 37.9747% | 2,791 |
| Earnings coverage of net charge-offs (x) | 4.2975% | 3,002 |
| Efficiency ratio | 64.0741% | 4,003 |
| Assets per employee ($millions) | 4.9602% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,963 |
| Loan loss allowance to noncurrent loans | 45.5707% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 2.1984% | 701 |
| Noncurrent loans to loans | 3.2380% | 436 |
| Net loans and leases to total assets | 62.6226% | 3,551 |
| Net loans and leases to deposits | 77.2106% | 3,242 |
| Net loans and leases to core deposits | 85.3387% | 2,954 |
| Total domestic deposits to total assets | 81.1062% | 4,243 |
| Equity capital to assets | 18.4143% | 302 |
| Core capital (leverage) ratio | 18.3413% | 265 |
| Tier 1 risk-based capital ratio | 39.8146% | 233 |
| Total risk-based capital ratio | 41.0735% | 230 |
| Memoranda: | ||
| Average total assets | $114,186,670 | 4,151 |
| Average earning assets | $111,499,330 | 4,032 |
| Average equity | $20,800,000 | 3,117 |
| Average total loans | $72,349,330 | 4,033 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 2,553 |
| Cost of funding earning assets | 0.8679% | 350 |
| Net interest margin | 3.3103% | 4,187 |
| Noninterest income to average assets | 0.1085% | 5,794 |
| Noninterest expense to average assets | 2.1464% | 5,021 |
| Loan and lease loss provision to assets | 0.1050% | 1,949 |
| Net operating income to assets | 0.7143% | 3,640 |
| Return on assets (ROA) | 0.7143% | 3,759 |
| Pretax return on assets | 1.0890% | 3,135 |
| Return on Equity (ROE) | 3.9428% | 4,910 |
| Retained earnings to average equity (ytd only) | 3.9428% | 3,522 |
| Net charge-offs to loans | 0.7583% | 267 |
| Credit loss provision to net charge-offs | 21.8978% | 2,283 |
| Earnings coverage of net charge-offs (x) | 2.4891% | 2,673 |
| Efficiency ratio | 64.2558% | 4,082 |
| Assets per employee ($millions) | 4.9772% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 2,144 |
| Loan loss allowance to noncurrent loans | 46.8640% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 2.1018% | 809 |
| Noncurrent loans to loans | 3.1221% | 505 |
| Net loans and leases to total assets | 62.4197% | 3,465 |
| Net loans and leases to deposits | 76.7566% | 3,133 |
| Net loans and leases to core deposits | 84.7929% | 2,865 |
| Total domestic deposits to total assets | 81.3217% | 4,399 |
| Equity capital to assets | 18.1760% | 312 |
| Core capital (leverage) ratio | 18.1348% | 287 |
| Tier 1 risk-based capital ratio | 39.3429% | 244 |
| Total risk-based capital ratio | 40.6011% | 239 |
| Memoranda: | ||
| Average total assets | $114,237,500 | 4,179 |
| Average earning assets | $111,531,500 | 4,061 |
| Average equity | $20,696,000 | 3,129 |
| Average total loans | $72,267,500 | 4,060 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,249 |
| Cost of funding earning assets | 0.8915% | 301 |
| Net interest margin | 3.3996% | 3,916 |
| Noninterest income to average assets | 0.2411% | 5,156 |
| Noninterest expense to average assets | 2.2625% | 4,895 |
| Loan and lease loss provision to assets | 0.1578% | 1,474 |
| Net operating income to assets | 0.7451% | 3,596 |
| Return on assets (ROA) | 0.7451% | 3,692 |
| Pretax return on assets | 1.1334% | 2,914 |
| Return on Equity (ROE) | 4.2148% | 4,844 |
| Retained earnings to average equity (ytd only) | 4.2148% | 2,985 |
| Net charge-offs to loans | 0.0552% | 3,106 |
| Credit loss provision to net charge-offs | 450.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 36.8250% | 1,255 |
| Efficiency ratio | 63.6655% | 4,337 |
| Assets per employee ($millions) | 5.1818% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 1,544 |
| Loan loss allowance to noncurrent loans | 67.4365% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.6439% | 1,192 |
| Noncurrent loans to loans | 2.4049% | 785 |
| Net loans and leases to total assets | 62.1500% | 3,540 |
| Net loans and leases to deposits | 76.3004% | 3,215 |
| Net loans and leases to core deposits | 83.7948% | 2,986 |
| Total domestic deposits to total assets | 81.4544% | 4,350 |
| Equity capital to assets | 18.0570% | 310 |
| Core capital (leverage) ratio | 17.8853% | 290 |
| Tier 1 risk-based capital ratio | 39.1340% | 241 |
| Total risk-based capital ratio | 40.3963% | 238 |
| Memoranda: | ||
| Average total assets | $114,079,600 | 4,174 |
| Average earning assets | $111,159,400 | 4,049 |
| Average equity | $20,167,000 | 3,156 |
| Average total loans | $72,519,200 | 4,032 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3043% | 2,212 |
| Cost of funding earning assets | 0.8976% | 297 |
| Net interest margin | 3.4068% | 3,925 |
| Noninterest income to average assets | 0.0970% | 5,976 |
| Noninterest expense to average assets | 2.2167% | 5,009 |
| Loan and lease loss provision to assets | 0.1578% | 1,365 |
| Net operating income to assets | 0.6836% | 3,974 |
| Return on assets (ROA) | 0.6836% | 4,090 |
| Pretax return on assets | 1.0400% | 3,461 |
| Return on Equity (ROE) | 3.8878% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.8878% | 3,705 |
| Net charge-offs to loans | 0.0496% | 2,908 |
| Credit loss provision to net charge-offs | 500.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 37.9619% | 1,294 |
| Efficiency ratio | 64.9213% | 4,080 |
| Assets per employee ($millions) | 5.2095% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 1,821 |
| Loan loss allowance to noncurrent loans | 60.7812% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 1.9597% | 1,052 |
| Noncurrent loans to loans | 2.6154% | 752 |
| Net loans and leases to total assets | 61.3605% | 3,683 |
| Net loans and leases to deposits | 75.1542% | 3,411 |
| Net loans and leases to core deposits | 82.7516% | 3,173 |
| Total domestic deposits to total assets | 81.6461% | 4,278 |
| Equity capital to assets | 17.7614% | 363 |
| Core capital (leverage) ratio | 17.6835% | 315 |
| Tier 1 risk-based capital ratio | 38.7915% | 267 |
| Total risk-based capital ratio | 40.0534% | 264 |
| Memoranda: | ||
| Average total assets | $114,099,500 | 4,219 |
| Average earning assets | $111,110,000 | 4,104 |
| Average equity | $20,062,500 | 3,195 |
| Average total loans | $72,644,250 | 4,065 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3428% | 2,034 |
| Cost of funding earning assets | 0.9072% | 278 |
| Net interest margin | 3.4357% | 3,770 |
| Noninterest income to average assets | 0.0070% | 6,251 |
| Noninterest expense to average assets | 2.2136% | 5,073 |
| Loan and lease loss provision to assets | 0.1580% | 1,346 |
| Net operating income to assets | 0.6425% | 4,157 |
| Return on assets (ROA) | 0.6425% | 4,265 |
| Pretax return on assets | 0.9795% | 3,662 |
| Return on Equity (ROE) | 3.6665% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.6665% | 3,691 |
| Net charge-offs to loans | 0.0712% | 2,370 |
| Credit loss provision to net charge-offs | 346.1538% | 836 |
| Earnings coverage of net charge-offs (x) | 24.9231% | 1,543 |
| Efficiency ratio | 66.0555% | 3,997 |
| Assets per employee ($millions) | 5.1963% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 2,176 |
| Loan loss allowance to noncurrent loans | 46.8670% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 2.4825% | 768 |
| Noncurrent loans to loans | 3.2599% | 569 |
| Net loans and leases to total assets | 61.5669% | 3,616 |
| Net loans and leases to deposits | 75.1961% | 3,363 |
| Net loans and leases to core deposits | 83.1437% | 3,068 |
| Total domestic deposits to total assets | 81.8751% | 4,333 |
| Equity capital to assets | 17.6245% | 370 |
| Core capital (leverage) ratio | 17.4790% | 331 |
| Tier 1 risk-based capital ratio | 38.0028% | 293 |
| Total risk-based capital ratio | 39.2644% | 290 |
| Memoranda: | ||
| Average total assets | $113,930,000 | 4,253 |
| Average earning assets | $110,895,000 | 4,136 |
| Average equity | $19,964,670 | 3,219 |
| Average total loans | $73,039,000 | 4,085 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4476% | 1,614 |
| Cost of funding earning assets | 0.9040% | 282 |
| Net interest margin | 3.5436% | 3,244 |
| Noninterest income to average assets | 0.0914% | 6,119 |
| Noninterest expense to average assets | 2.2614% | 4,970 |
| Loan and lease loss provision to assets | 0.1583% | 1,286 |
| Net operating income to assets | 0.7350% | 3,619 |
| Return on assets (ROA) | 0.7350% | 3,750 |
| Pretax return on assets | 1.1184% | 3,001 |
| Return on Equity (ROE) | 4.2067% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.2067% | 3,482 |
| Net charge-offs to loans | 0.1409% | 1,404 |
| Credit loss provision to net charge-offs | 173.0769% | 1,151 |
| Earnings coverage of net charge-offs (x) | 13.9615% | 1,693 |
| Efficiency ratio | 63.9165% | 4,498 |
| Assets per employee ($millions) | 5.1793% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 2,824 |
| Loan loss allowance to noncurrent loans | 58.1667% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 2.2616% | 1,002 |
| Noncurrent loans to loans | 2.4427% | 999 |
| Net loans and leases to total assets | 63.7509% | 3,122 |
| Net loans and leases to deposits | 77.7783% | 2,833 |
| Net loans and leases to core deposits | 85.5949% | 2,595 |
| Total domestic deposits to total assets | 81.9650% | 4,518 |
| Equity capital to assets | 17.5199% | 375 |
| Core capital (leverage) ratio | 17.3274% | 332 |
| Tier 1 risk-based capital ratio | 37.4615% | 297 |
| Total risk-based capital ratio | 38.7188% | 295 |
| Memoranda: | ||
| Average total assets | $113,736,000 | 4,292 |
| Average earning assets | $110,621,000 | 4,168 |
| Average equity | $19,873,000 | 3,247 |
| Average total loans | $73,821,500 | 4,085 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 1,525 |
| Cost of funding earning assets | 0.9357% | 317 |
| Net interest margin | 3.6758% | 3,100 |
| Noninterest income to average assets | 0.0926% | 6,182 |
| Noninterest expense to average assets | 2.1926% | 5,372 |
| Loan and lease loss provision to assets | 0.1588% | 1,654 |
| Net operating income to assets | 0.8700% | 3,022 |
| Return on assets (ROA) | 0.8700% | 3,116 |
| Pretax return on assets | 1.3217% | 2,171 |
| Return on Equity (ROE) | 5.1018% | 4,610 |
| Retained earnings to average equity (ytd only) | 5.1018% | 2,524 |
| Net charge-offs to loans | 0.0173% | 4,514 |
| Credit loss provision to net charge-offs | 1,384.6154% | 203 |
| Earnings coverage of net charge-offs (x) | 129.0769% | 415 |
| Efficiency ratio | 59.6925% | 5,263 |
| Assets per employee ($millions) | 5.4060% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 2,995 |
| Loan loss allowance to noncurrent loans | 40.5203% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 2.6522% | 847 |
| Noncurrent loans to loans | 3.4305% | 608 |
| Net loans and leases to total assets | 64.2376% | 3,191 |
| Net loans and leases to deposits | 78.2395% | 2,947 |
| Net loans and leases to core deposits | 86.1461% | 2,672 |
| Total domestic deposits to total assets | 82.1038% | 4,381 |
| Equity capital to assets | 17.4258% | 371 |
| Core capital (leverage) ratio | 17.2961% | 342 |
| Tier 1 risk-based capital ratio | 36.8328% | 290 |
| Total risk-based capital ratio | 38.0916% | 281 |
| Memoranda: | ||
| Average total assets | $113,336,600 | 4,316 |
| Average earning assets | $110,398,800 | 4,173 |
| Average equity | $19,326,600 | 3,248 |
| Average total loans | $75,021,600 | 4,022 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6673% | 1,386 |
| Cost of funding earning assets | 0.9364% | 328 |
| Net interest margin | 3.7309% | 2,893 |
| Noninterest income to average assets | 0.0918% | 6,277 |
| Noninterest expense to average assets | 2.1573% | 5,440 |
| Loan and lease loss provision to assets | 0.1589% | 1,570 |
| Net operating income to assets | 0.9286% | 2,785 |
| Return on assets (ROA) | 0.9286% | 2,877 |
| Pretax return on assets | 1.4099% | 1,972 |
| Return on Equity (ROE) | 5.4754% | 4,502 |
| Retained earnings to average equity (ytd only) | 5.4754% | 2,780 |
| Net charge-offs to loans | 0.0301% | 3,887 |
| Credit loss provision to net charge-offs | 794.1176% | 395 |
| Earnings coverage of net charge-offs (x) | 78.3983% | 713 |
| Efficiency ratio | 57.8964% | 5,464 |
| Assets per employee ($millions) | 5.7362% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 3,570 |
| Loan loss allowance to noncurrent loans | 42.9386% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 2.4006% | 1,124 |
| Noncurrent loans to loans | 3.0630% | 863 |
| Net loans and leases to total assets | 64.0308% | 3,167 |
| Net loans and leases to deposits | 77.7194% | 2,980 |
| Net loans and leases to core deposits | 85.4630% | 2,720 |
| Total domestic deposits to total assets | 82.3871% | 4,345 |
| Equity capital to assets | 17.0968% | 416 |
| Core capital (leverage) ratio | 16.9470% | 379 |
| Tier 1 risk-based capital ratio | 35.9356% | 326 |
| Total risk-based capital ratio | 37.1929% | 320 |
| Memoranda: | ||
| Average total assets | $113,289,000 | 4,349 |
| Average earning assets | $110,354,500 | 4,210 |
| Average equity | $19,212,500 | 3,267 |
| Average total loans | $75,288,250 | 4,051 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6673% | 1,354 |
| Cost of funding earning assets | 0.9324% | 349 |
| Net interest margin | 3.7349% | 2,822 |
| Noninterest income to average assets | 0.0886% | 6,322 |
| Noninterest expense to average assets | 2.1824% | 5,459 |
| Loan and lease loss provision to assets | 0.1596% | 1,556 |
| Net operating income to assets | 0.9184% | 2,713 |
| Return on assets (ROA) | 0.9184% | 2,817 |
| Pretax return on assets | 1.3828% | 1,957 |
| Return on Equity (ROE) | 5.4301% | 4,470 |
| Retained earnings to average equity (ytd only) | 5.4301% | 2,687 |
| Net charge-offs to loans | 0.0397% | 3,436 |
| Credit loss provision to net charge-offs | 600.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 824 |
| Efficiency ratio | 58.5911% | 5,481 |
| Assets per employee ($millions) | 5.3980% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 4,175 |
| Loan loss allowance to noncurrent loans | 35.9447% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 2.7374% | 959 |
| Noncurrent loans to loans | 3.4720% | 767 |
| Net loans and leases to total assets | 65.3361% | 2,857 |
| Net loans and leases to deposits | 79.1796% | 2,630 |
| Net loans and leases to core deposits | 86.4323% | 2,476 |
| Total domestic deposits to total assets | 82.5163% | 4,469 |
| Equity capital to assets | 17.0638% | 408 |
| Core capital (leverage) ratio | 16.9135% | 368 |
| Tier 1 risk-based capital ratio | 35.2742% | 337 |
| Total risk-based capital ratio | 36.5294% | 334 |
| Memoranda: | ||
| Average total assets | $112,811,000 | 4,387 |
| Average earning assets | $109,829,000 | 4,248 |
| Average equity | $19,078,670 | 3,275 |
| Average total loans | $75,572,000 | 4,059 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7323% | 1,189 |
| Cost of funding earning assets | 0.9355% | 370 |
| Net interest margin | 3.7968% | 2,485 |
| Noninterest income to average assets | 0.0853% | 6,378 |
| Noninterest expense to average assets | 2.2250% | 5,398 |
| Loan and lease loss provision to assets | 0.1599% | 1,524 |
| Net operating income to assets | 0.9170% | 2,564 |
| Return on assets (ROA) | 0.9170% | 2,638 |
| Pretax return on assets | 1.3933% | 1,766 |
| Return on Equity (ROE) | 5.4469% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.4469% | 2,815 |
| Net charge-offs to loans | 0.0369% | 2,868 |
| Credit loss provision to net charge-offs | 642.8571% | 441 |
| Earnings coverage of net charge-offs (x) | 62.4286% | 637 |
| Efficiency ratio | 58.8899% | 5,556 |
| Assets per employee ($millions) | 5.6672% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 4,695 |
| Loan loss allowance to noncurrent loans | 40.4773% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 2.3998% | 1,349 |
| Noncurrent loans to loans | 2.9334% | 1,101 |
| Net loans and leases to total assets | 66.0085% | 2,565 |
| Net loans and leases to deposits | 79.8762% | 2,306 |
| Net loans and leases to core deposits | 87.1453% | 2,183 |
| Total domestic deposits to total assets | 82.6385% | 4,737 |
| Equity capital to assets | 16.8277% | 414 |
| Core capital (leverage) ratio | 16.6807% | 398 |
| Tier 1 risk-based capital ratio | 35.0252% | 351 |
| Total risk-based capital ratio | 36.2816% | 344 |
| Memoranda: | ||
| Average total assets | $112,538,000 | 4,437 |
| Average earning assets | $109,460,500 | 4,288 |
| Average equity | $18,946,500 | 3,286 |
| Average total loans | $75,858,500 | 4,074 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8111% | 1,291 |
| Cost of funding earning assets | 0.9845% | 487 |
| Net interest margin | 3.8266% | 2,547 |
| Noninterest income to average assets | 0.1664% | 6,090 |
| Noninterest expense to average assets | 2.1912% | 5,650 |
| Loan and lease loss provision to assets | 0.1610% | 2,268 |
| Net operating income to assets | 1.0124% | 2,275 |
| Return on assets (ROA) | 1.0124% | 2,336 |
| Pretax return on assets | 1.5374% | 1,336 |
| Return on Equity (ROE) | 6.1741% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.1741% | 1,871 |
| Net charge-offs to loans | 0.0704% | 4,225 |
| Credit loss provision to net charge-offs | 333.3333% | 683 |
| Earnings coverage of net charge-offs (x) | 35.1667% | 1,056 |
| Efficiency ratio | 56.3348% | 5,911 |
| Assets per employee ($millions) | 5.3206% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 4,982 |
| Loan loss allowance to noncurrent loans | 37.1121% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 2.6519% | 1,265 |
| Noncurrent loans to loans | 3.0526% | 1,133 |
| Net loans and leases to total assets | 67.2505% | 2,478 |
| Net loans and leases to deposits | 81.3602% | 2,271 |
| Net loans and leases to core deposits | 88.5950% | 2,179 |
| Total domestic deposits to total assets | 82.6578% | 4,659 |
| Equity capital to assets | 16.8437% | 414 |
| Core capital (leverage) ratio | 16.6916% | 399 |
| Tier 1 risk-based capital ratio | 34.5945% | 344 |
| Total risk-based capital ratio | 35.8489% | 340 |
| Memoranda: | ||
| Average total assets | $111,810,600 | 4,461 |
| Average earning assets | $108,791,000 | 4,290 |
| Average equity | $18,334,800 | 3,363 |
| Average total loans | $76,752,800 | 4,033 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 1,345 |
| Cost of funding earning assets | 0.9876% | 524 |
| Net interest margin | 3.8108% | 2,605 |
| Noninterest income to average assets | 0.1908% | 6,042 |
| Noninterest expense to average assets | 2.1628% | 5,695 |
| Loan and lease loss provision to assets | 0.1610% | 2,245 |
| Net operating income to assets | 1.0373% | 2,235 |
| Return on assets (ROA) | 1.0373% | 2,316 |
| Pretax return on assets | 1.5750% | 1,403 |
| Return on Equity (ROE) | 6.3687% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.3687% | 2,200 |
| Net charge-offs to loans | 0.0416% | 4,319 |
| Credit loss provision to net charge-offs | 562.5000% | 497 |
| Earnings coverage of net charge-offs (x) | 60.6650% | 751 |
| Efficiency ratio | 55.4740% | 5,975 |
| Assets per employee ($millions) | 5.3756% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 5,358 |
| Loan loss allowance to noncurrent loans | 30.3117% | 5,982 |
| Noncurrent assets plus other real estate owned to assets | 2.9144% | 1,273 |
| Noncurrent loans to loans | 3.6069% | 1,043 |
| Net loans and leases to total assets | 67.7955% | 2,326 |
| Net loans and leases to deposits | 81.7459% | 2,170 |
| Net loans and leases to core deposits | 88.3824% | 2,144 |
| Total domestic deposits to total assets | 82.9344% | 4,598 |
| Equity capital to assets | 16.4561% | 475 |
| Core capital (leverage) ratio | 16.2908% | 455 |
| Tier 1 risk-based capital ratio | 33.3261% | 390 |
| Total risk-based capital ratio | 34.5971% | 381 |
| Memoranda: | ||
| Average total assets | $111,830,000 | 4,508 |
| Average earning assets | $108,811,250 | 4,336 |
| Average equity | $18,213,500 | 3,418 |
| Average total loans | $76,940,500 | 4,060 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 1,240 |
| Cost of funding earning assets | 0.9962% | 554 |
| Net interest margin | 3.8429% | 2,402 |
| Noninterest income to average assets | 0.2314% | 5,790 |
| Noninterest expense to average assets | 2.1942% | 5,645 |
| Loan and lease loss provision to assets | 0.1615% | 2,313 |
| Net operating income to assets | 1.0675% | 2,047 |
| Return on assets (ROA) | 1.0675% | 2,164 |
| Pretax return on assets | 1.6129% | 1,331 |
| Return on Equity (ROE) | 6.5774% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.5774% | 2,106 |
| Net charge-offs to loans | 0.0625% | 3,811 |
| Credit loss provision to net charge-offs | 375.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 41.2083% | 915 |
| Efficiency ratio | 55.2893% | 6,040 |
| Assets per employee ($millions) | 5.0699% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 5,622 |
| Loan loss allowance to noncurrent loans | 31.6101% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 2.7193% | 1,532 |
| Noncurrent loans to loans | 3.3279% | 1,304 |
| Net loans and leases to total assets | 67.5489% | 2,331 |
| Net loans and leases to deposits | 81.3681% | 2,135 |
| Net loans and leases to core deposits | 88.3746% | 2,073 |
| Total domestic deposits to total assets | 83.0164% | 4,696 |
| Equity capital to assets | 16.4860% | 471 |
| Core capital (leverage) ratio | 16.2510% | 439 |
| Tier 1 risk-based capital ratio | 33.3143% | 397 |
| Total risk-based capital ratio | 34.5658% | 390 |
| Memoranda: | ||
| Average total assets | $111,477,330 | 4,548 |
| Average earning assets | $108,408,330 | 4,375 |
| Average equity | $18,092,330 | 3,465 |
| Average total loans | $76,794,330 | 4,077 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 1,172 |
| Cost of funding earning assets | 1.0127% | 578 |
| Net interest margin | 3.8511% | 2,278 |
| Noninterest income to average assets | 0.0790% | 6,645 |
| Noninterest expense to average assets | 2.1714% | 5,760 |
| Loan and lease loss provision to assets | 0.1615% | 2,256 |
| Net operating income to assets | 0.9798% | 2,319 |
| Return on assets (ROA) | 0.9798% | 2,448 |
| Pretax return on assets | 1.4859% | 1,598 |
| Return on Equity (ROE) | 6.0854% | 3,995 |
| Retained earnings to average equity (ytd only) | 6.0854% | 2,633 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8609% | 5,980 |
| Assets per employee ($millions) | 5.0754% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 5,901 |
| Loan loss allowance to noncurrent loans | 27.4551% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 3.0638% | 1,452 |
| Noncurrent loans to loans | 3.7325% | 1,255 |
| Net loans and leases to total assets | 67.4694% | 2,109 |
| Net loans and leases to deposits | 81.2798% | 1,927 |
| Net loans and leases to core deposits | 86.8385% | 2,031 |
| Total domestic deposits to total assets | 83.0088% | 4,852 |
| Equity capital to assets | 16.1923% | 527 |
| Core capital (leverage) ratio | 15.9469% | 469 |
| Tier 1 risk-based capital ratio | 32.3100% | 440 |
| Total risk-based capital ratio | 33.5620% | 433 |
| Memoranda: | ||
| Average total assets | $111,447,500 | 4,589 |
| Average earning assets | $108,229,500 | 4,417 |
| Average equity | $17,944,500 | 3,532 |
| Average total loans | $77,120,000 | 4,094 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 1,359 |
| Cost of funding earning assets | 1.1080% | 878 |
| Net interest margin | 3.9687% | 2,531 |
| Noninterest income to average assets | 0.0914% | 6,538 |
| Noninterest expense to average assets | 2.1091% | 6,105 |
| Loan and lease loss provision to assets | 0.1613% | 3,599 |
| Net operating income to assets | 1.1043% | 1,923 |
| Return on assets (ROA) | 1.1043% | 2,103 |
| Pretax return on assets | 1.6771% | 1,191 |
| Return on Equity (ROE) | 7.1947% | 3,532 |
| Retained earnings to average equity (ytd only) | 7.1947% | 1,474 |
| Net charge-offs to loans | 0.4328% | 2,503 |
| Credit loss provision to net charge-offs | 52.6316% | 4,628 |
| Earnings coverage of net charge-offs (x) | 5.9971% | 2,896 |
| Efficiency ratio | 53.4287% | 6,329 |
| Assets per employee ($millions) | 5.0562% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 6,157 |
| Loan loss allowance to noncurrent loans | 30.2469% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 2.6826% | 1,799 |
| Noncurrent loans to loans | 3.1104% | 1,663 |
| Net loans and leases to total assets | 69.5722% | 1,928 |
| Net loans and leases to deposits | 83.5483% | 1,806 |
| Net loans and leases to core deposits | 89.8015% | 1,857 |
| Total domestic deposits to total assets | 83.2718% | 4,613 |
| Equity capital to assets | 16.0100% | 552 |
| Core capital (leverage) ratio | 15.7616% | 481 |
| Tier 1 risk-based capital ratio | 31.0729% | 471 |
| Total risk-based capital ratio | 32.3403% | 454 |
| Memoranda: | ||
| Average total assets | $111,564,600 | 4,558 |
| Average earning assets | $108,397,200 | 4,383 |
| Average equity | $17,123,600 | 3,608 |
| Average total loans | $79,021,000 | 4,069 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0782% | 1,479 |
| Cost of funding earning assets | 1.1196% | 988 |
| Net interest margin | 3.9586% | 2,676 |
| Noninterest income to average assets | 0.0728% | 6,724 |
| Noninterest expense to average assets | 2.0552% | 6,257 |
| Loan and lease loss provision to assets | 0.1612% | 3,497 |
| Net operating income to assets | 1.1226% | 2,017 |
| Return on assets (ROA) | 1.1226% | 2,213 |
| Pretax return on assets | 1.7029% | 1,263 |
| Return on Equity (ROE) | 7.3931% | 3,587 |
| Retained earnings to average equity (ytd only) | 7.3931% | 1,901 |
| Net charge-offs to loans | 0.5317% | 2,014 |
| Credit loss provision to net charge-offs | 42.7215% | 4,558 |
| Earnings coverage of net charge-offs (x) | 4.9399% | 3,159 |
| Efficiency ratio | 52.4375% | 6,414 |
| Assets per employee ($millions) | 5.1181% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 6,359 |
| Loan loss allowance to noncurrent loans | 31.8081% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 2.4858% | 2,131 |
| Noncurrent loans to loans | 2.8570% | 1,971 |
| Net loans and leases to total assets | 69.3372% | 2,047 |
| Net loans and leases to deposits | 84.6072% | 1,791 |
| Net loans and leases to core deposits | 90.4554% | 1,926 |
| Total domestic deposits to total assets | 81.9519% | 5,044 |
| Equity capital to assets | 15.4566% | 712 |
| Core capital (leverage) ratio | 15.2949% | 567 |
| Tier 1 risk-based capital ratio | 30.2965% | 518 |
| Total risk-based capital ratio | 31.5584% | 504 |
| Memoranda: | ||
| Average total assets | $111,646,500 | 4,603 |
| Average earning assets | $108,486,500 | 4,427 |
| Average equity | $16,952,250 | 3,669 |
| Average total loans | $79,245,000 | 4,100 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1118% | 1,472 |
| Cost of funding earning assets | 1.1292% | 1,098 |
| Net interest margin | 3.9826% | 2,579 |
| Noninterest income to average assets | 0.0719% | 6,788 |
| Noninterest expense to average assets | 2.0552% | 6,321 |
| Loan and lease loss provision to assets | 0.1617% | 3,493 |
| Net operating income to assets | 1.1372% | 1,924 |
| Return on assets (ROA) | 1.1372% | 2,142 |
| Pretax return on assets | 1.7264% | 1,194 |
| Return on Equity (ROE) | 7.5350% | 3,486 |
| Retained earnings to average equity (ytd only) | 7.5350% | 1,848 |
| Net charge-offs to loans | 0.1486% | 3,724 |
| Credit loss provision to net charge-offs | 152.5424% | 1,815 |
| Earnings coverage of net charge-offs (x) | 17.8136% | 1,513 |
| Efficiency ratio | 52.1185% | 6,492 |
| Assets per employee ($millions) | 5.1369% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 5,509 |
| Loan loss allowance to noncurrent loans | 31.5003% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 2.7298% | 2,018 |
| Noncurrent loans to loans | 3.6968% | 1,532 |
| Net loans and leases to total assets | 69.6950% | 1,972 |
| Net loans and leases to deposits | 86.4501% | 1,538 |
| Net loans and leases to core deposits | 91.9184% | 1,787 |
| Total domestic deposits to total assets | 80.6187% | 5,585 |
| Equity capital to assets | 15.1454% | 750 |
| Core capital (leverage) ratio | 14.9686% | 606 |
| Tier 1 risk-based capital ratio | 29.5992% | 536 |
| Total risk-based capital ratio | 30.8493% | 526 |
| Memoranda: | ||
| Average total assets | $111,329,000 | 4,633 |
| Average earning assets | $108,220,330 | 4,455 |
| Average equity | $16,801,670 | 3,683 |
| Average total loans | $79,397,000 | 4,121 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1693% | 1,385 |
| Cost of funding earning assets | 1.1516% | 1,168 |
| Net interest margin | 4.0177% | 2,431 |
| Noninterest income to average assets | 0.0796% | 6,825 |
| Noninterest expense to average assets | 2.1215% | 6,227 |
| Loan and lease loss provision to assets | 0.1629% | 3,354 |
| Net operating income to assets | 1.1187% | 1,995 |
| Return on assets (ROA) | 1.1187% | 2,180 |
| Pretax return on assets | 1.6979% | 1,307 |
| Return on Equity (ROE) | 7.4259% | 3,547 |
| Retained earnings to average equity (ytd only) | 7.4259% | 2,216 |
| Net charge-offs to loans | 0.1565% | 3,156 |
| Credit loss provision to net charge-offs | 145.1613% | 1,706 |
| Earnings coverage of net charge-offs (x) | 16.5806% | 1,351 |
| Efficiency ratio | 53.2727% | 6,412 |
| Assets per employee ($millions) | 4.8896% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 5,708 |
| Loan loss allowance to noncurrent loans | 35.4061% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 2.2879% | 2,602 |
| Noncurrent loans to loans | 3.2510% | 1,971 |
| Net loans and leases to total assets | 69.5663% | 1,828 |
| Net loans and leases to deposits | 87.5464% | 1,225 |
| Net loans and leases to core deposits | 93.1868% | 1,531 |
| Total domestic deposits to total assets | 79.4622% | 5,981 |
| Equity capital to assets | 14.9287% | 764 |
| Core capital (leverage) ratio | 14.7215% | 648 |
| Tier 1 risk-based capital ratio | 29.6889% | 537 |
| Total risk-based capital ratio | 30.9423% | 526 |
| Memoranda: | ||
| Average total assets | $110,488,000 | 4,695 |
| Average earning assets | $107,325,000 | 4,506 |
| Average equity | $16,644,500 | 3,705 |
| Average total loans | $79,250,000 | 4,142 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6106% | 934 |
| Cost of funding earning assets | 1.3931% | 1,071 |
| Net interest margin | 4.2176% | 2,002 |
| Noninterest income to average assets | 0.1183% | 6,552 |
| Noninterest expense to average assets | 2.1567% | 6,368 |
| Loan and lease loss provision to assets | 0.3817% | 2,710 |
| Net operating income to assets | 1.1003% | 1,833 |
| Return on assets (ROA) | 1.1003% | 1,946 |
| Pretax return on assets | 1.6710% | 1,057 |
| Return on Equity (ROE) | 7.2397% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.2397% | 1,391 |
| Net charge-offs to loans | 0.1142% | 5,234 |
| Credit loss provision to net charge-offs | 439.5604% | 517 |
| Earnings coverage of net charge-offs (x) | 23.6374% | 1,013 |
| Efficiency ratio | 51.2355% | 6,757 |
| Assets per employee ($millions) | 4.7180% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,735 |
| Loan loss allowance to noncurrent loans | 43.2603% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 1.8937% | 3,118 |
| Noncurrent loans to loans | 2.5897% | 2,528 |
| Net loans and leases to total assets | 72.3080% | 1,592 |
| Net loans and leases to deposits | 91.4830% | 1,016 |
| Net loans and leases to core deposits | 97.8782% | 1,338 |
| Total domestic deposits to total assets | 79.0398% | 5,991 |
| Equity capital to assets | 15.2053% | 736 |
| Core capital (leverage) ratio | 15.0382% | 600 |
| Tier 1 risk-based capital ratio | 29.6469% | 533 |
| Total risk-based capital ratio | 30.9023% | 523 |
| Memoranda: | ||
| Average total assets | $104,789,800 | 4,762 |
| Average earning assets | $101,646,600 | 4,593 |
| Average equity | $15,926,000 | 3,739 |
| Average total loans | $79,658,800 | 4,148 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6900% | 862 |
| Cost of funding earning assets | 1.4523% | 1,018 |
| Net interest margin | 4.2377% | 1,958 |
| Noninterest income to average assets | 0.1464% | 6,522 |
| Noninterest expense to average assets | 2.1349% | 6,446 |
| Loan and lease loss provision to assets | 0.4557% | 2,183 |
| Net operating income to assets | 1.0963% | 1,984 |
| Return on assets (ROA) | 1.0963% | 2,134 |
| Pretax return on assets | 1.6650% | 1,217 |
| Return on Equity (ROE) | 7.2146% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.2146% | 1,860 |
| Net charge-offs to loans | 0.1856% | 4,313 |
| Credit loss provision to net charge-offs | 319.8198% | 883 |
| Earnings coverage of net charge-offs (x) | 14.8825% | 1,504 |
| Efficiency ratio | 50.1659% | 6,817 |
| Assets per employee ($millions) | 4.6016% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 6,040 |
| Loan loss allowance to noncurrent loans | 61.7494% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.3105% | 4,184 |
| Noncurrent loans to loans | 1.7032% | 3,755 |
| Net loans and leases to total assets | 74.0495% | 1,322 |
| Net loans and leases to deposits | 94.1812% | 818 |
| Net loans and leases to core deposits | 100.2956% | 1,221 |
| Total domestic deposits to total assets | 78.6245% | 6,066 |
| Equity capital to assets | 15.3313% | 762 |
| Core capital (leverage) ratio | 15.1421% | 636 |
| Tier 1 risk-based capital ratio | 29.6521% | 562 |
| Total risk-based capital ratio | 30.9052% | 549 |
| Memoranda: | ||
| Average total assets | $103,858,500 | 4,818 |
| Average earning assets | $100,712,250 | 4,655 |
| Average equity | $15,782,500 | 3,775 |
| Average total loans | $79,735,000 | 4,181 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7603% | 781 |
| Cost of funding earning assets | 1.5016% | 1,000 |
| Net interest margin | 4.2588% | 1,804 |
| Noninterest income to average assets | 0.1628% | 6,490 |
| Noninterest expense to average assets | 2.1589% | 6,484 |
| Loan and lease loss provision to assets | 0.6008% | 1,608 |
| Net operating income to assets | 1.0078% | 2,196 |
| Return on assets (ROA) | 1.0078% | 2,293 |
| Pretax return on assets | 1.5310% | 1,432 |
| Return on Equity (ROE) | 6.6519% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.6519% | 2,049 |
| Net charge-offs to loans | 0.2578% | 3,598 |
| Credit loss provision to net charge-offs | 300.9709% | 1,003 |
| Earnings coverage of net charge-offs (x) | 10.6796% | 1,781 |
| Efficiency ratio | 50.3162% | 6,917 |
| Assets per employee ($millions) | 4.7049% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 6,316 |
| Loan loss allowance to noncurrent loans | 65.9486% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.2028% | 4,487 |
| Noncurrent loans to loans | 1.5212% | 4,143 |
| Net loans and leases to total assets | 75.8886% | 1,088 |
| Net loans and leases to deposits | 96.4644% | 693 |
| Net loans and leases to core deposits | 103.2724% | 1,094 |
| Total domestic deposits to total assets | 78.6700% | 6,155 |
| Equity capital to assets | 15.3429% | 734 |
| Core capital (leverage) ratio | 15.1569% | 642 |
| Tier 1 risk-based capital ratio | 29.2836% | 577 |
| Total risk-based capital ratio | 30.5364% | 564 |
| Memoranda: | ||
| Average total assets | $103,199,330 | 4,879 |
| Average earning assets | $100,029,330 | 4,708 |
| Average equity | $15,634,670 | 3,797 |
| Average total loans | $79,912,000 | 4,218 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7817% | 767 |
| Cost of funding earning assets | 1.5215% | 1,088 |
| Net interest margin | 4.2602% | 1,702 |
| Noninterest income to average assets | 0.1941% | 6,336 |
| Noninterest expense to average assets | 2.1622% | 6,508 |
| Loan and lease loss provision to assets | 0.2329% | 3,323 |
| Net operating income to assets | 1.2693% | 1,344 |
| Return on assets (ROA) | 1.2693% | 1,395 |
| Pretax return on assets | 1.9292% | 638 |
| Return on Equity (ROE) | 8.4325% | 2,731 |
| Retained earnings to average equity (ytd only) | 8.4325% | 1,577 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 6,980 |
| Assets per employee ($millions) | 4.6576% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 6,890 |
| Loan loss allowance to noncurrent loans | 73.2506% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 5,173 |
| Noncurrent loans to loans | 1.1083% | 4,848 |
| Net loans and leases to total assets | 77.3812% | 817 |
| Net loans and leases to deposits | 99.6794% | 484 |
| Net loans and leases to core deposits | 106.2611% | 924 |
| Total domestic deposits to total assets | 77.6301% | 6,427 |
| Equity capital to assets | 15.2877% | 706 |
| Core capital (leverage) ratio | 15.1168% | 644 |
| Tier 1 risk-based capital ratio | 28.5796% | 598 |
| Total risk-based capital ratio | 29.7824% | 591 |
| Memoranda: | ||
| Average total assets | $103,045,500 | 4,916 |
| Average earning assets | $99,901,000 | 4,745 |
| Average equity | $15,511,500 | 3,810 |
| Average total loans | $80,195,000 | 4,246 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0950% | 706 |
| Cost of funding earning assets | 1.6920% | 1,641 |
| Net interest margin | 4.4030% | 1,461 |
| Noninterest income to average assets | 0.1220% | 6,799 |
| Noninterest expense to average assets | 2.3195% | 6,304 |
| Loan and lease loss provision to assets | 0.1089% | 6,059 |
| Net operating income to assets | 1.2898% | 1,205 |
| Return on assets (ROA) | 1.2898% | 1,260 |
| Pretax return on assets | 1.9554% | 533 |
| Return on Equity (ROE) | 8.7102% | 2,413 |
| Retained earnings to average equity (ytd only) | 8.7102% | 782 |
| Net charge-offs to loans | 0.0257% | 6,549 |
| Credit loss provision to net charge-offs | 540.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 102.3500% | 244 |
| Efficiency ratio | 52.9101% | 6,903 |
| Assets per employee ($millions) | 4.9344% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7321% | 7,083 |
| Loan loss allowance to noncurrent loans | 218.9591% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 6,517 |
| Noncurrent loans to loans | 0.3344% | 6,385 |
| Net loans and leases to total assets | 77.0688% | 1,083 |
| Net loans and leases to deposits | 99.8025% | 593 |
| Net loans and leases to core deposits | 106.3424% | 1,167 |
| Total domestic deposits to total assets | 77.2213% | 6,445 |
| Equity capital to assets | 14.8210% | 832 |
| Core capital (leverage) ratio | 14.6342% | 723 |
| Tier 1 risk-based capital ratio | 28.0852% | 601 |
| Total risk-based capital ratio | 29.1812% | 595 |
| Memoranda: | ||
| Average total assets | $99,159,000 | 5,006 |
| Average earning assets | $95,980,200 | 4,828 |
| Average equity | $14,684,000 | 3,996 |
| Average total loans | $77,901,800 | 4,393 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1286% | 721 |
| Cost of funding earning assets | 1.7318% | 1,715 |
| Net interest margin | 4.3968% | 1,534 |
| Noninterest income to average assets | 0.1265% | 6,922 |
| Noninterest expense to average assets | 2.2955% | 6,341 |
| Loan and lease loss provision to assets | 0.1061% | 5,975 |
| Net operating income to assets | 1.3055% | 1,327 |
| Return on assets (ROA) | 1.3055% | 1,394 |
| Pretax return on assets | 1.9787% | 647 |
| Return on Equity (ROE) | 8.8180% | 2,555 |
| Retained earnings to average equity (ytd only) | 8.8180% | 1,115 |
| Net charge-offs to loans | 0.0328% | 6,231 |
| Credit loss provision to net charge-offs | 410.5263% | 730 |
| Earnings coverage of net charge-offs (x) | 80.6929% | 381 |
| Efficiency ratio | 52.4061% | 6,945 |
| Assets per employee ($millions) | 4.8251% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6973% | 7,202 |
| Loan loss allowance to noncurrent loans | 198.5816% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 6,682 |
| Noncurrent loans to loans | 0.3511% | 6,496 |
| Net loans and leases to total assets | 78.7028% | 927 |
| Net loans and leases to deposits | 102.4801% | 511 |
| Net loans and leases to core deposits | 109.0362% | 1,093 |
| Total domestic deposits to total assets | 76.7981% | 6,530 |
| Equity capital to assets | 14.8853% | 916 |
| Core capital (leverage) ratio | 14.6607% | 781 |
| Tier 1 risk-based capital ratio | 27.6848% | 647 |
| Total risk-based capital ratio | 28.7342% | 654 |
| Memoranda: | ||
| Average total assets | $98,043,000 | 5,109 |
| Average earning assets | $94,853,750 | 4,935 |
| Average equity | $14,515,500 | 4,093 |
| Average total loans | $77,264,750 | 4,490 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1583% | 677 |
| Cost of funding earning assets | 1.7619% | 1,808 |
| Net interest margin | 4.3963% | 1,458 |
| Noninterest income to average assets | 0.1279% | 6,954 |
| Noninterest expense to average assets | 2.3373% | 6,251 |
| Loan and lease loss provision to assets | 0.0990% | 5,918 |
| Net operating income to assets | 1.2832% | 1,346 |
| Return on assets (ROA) | 1.2832% | 1,409 |
| Pretax return on assets | 1.9433% | 682 |
| Return on Equity (ROE) | 8.6833% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.6833% | 1,206 |
| Net charge-offs to loans | 0.0498% | 5,690 |
| Credit loss provision to net charge-offs | 252.6316% | 1,513 |
| Earnings coverage of net charge-offs (x) | 52.1053% | 571 |
| Efficiency ratio | 53.3679% | 6,948 |
| Assets per employee ($millions) | 4.4362% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6792% | 7,289 |
| Loan loss allowance to noncurrent loans | 266.3317% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 6,766 |
| Noncurrent loans to loans | 0.2550% | 6,722 |
| Net loans and leases to total assets | 79.4113% | 889 |
| Net loans and leases to deposits | 103.7135% | 496 |
| Net loans and leases to core deposits | 110.2414% | 1,151 |
| Total domestic deposits to total assets | 76.5679% | 6,589 |
| Equity capital to assets | 15.0722% | 864 |
| Core capital (leverage) ratio | 14.8679% | 752 |
| Tier 1 risk-based capital ratio | 27.7856% | 645 |
| Total risk-based capital ratio | 28.8057% | 646 |
| Memoranda: | ||
| Average total assets | $96,948,000 | 5,166 |
| Average earning assets | $93,760,000 | 4,993 |
| Average equity | $14,326,330 | 4,130 |
| Average total loans | $76,250,330 | 4,563 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1248% | 742 |
| Cost of funding earning assets | 1.8160% | 1,814 |
| Net interest margin | 4.3088% | 1,663 |
| Noninterest income to average assets | 0.1201% | 7,090 |
| Noninterest expense to average assets | 2.3141% | 6,340 |
| Loan and lease loss provision to assets | 0.0994% | 5,640 |
| Net operating income to assets | 1.2337% | 1,450 |
| Return on assets (ROA) | 1.2337% | 1,525 |
| Pretax return on assets | 1.8712% | 773 |
| Return on Equity (ROE) | 8.4333% | 2,687 |
| Retained earnings to average equity (ytd only) | 8.4333% | 1,553 |
| Net charge-offs to loans | -0.0106% | 6,908 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0097% | 6,973 |
| Assets per employee ($millions) | 4.4015% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6935% | 7,349 |
| Loan loss allowance to noncurrent loans | 123.1308% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 6,361 |
| Noncurrent loans to loans | 0.5632% | 6,173 |
| Net loans and leases to total assets | 77.9362% | 1,164 |
| Net loans and leases to deposits | 101.5447% | 664 |
| Net loans and leases to core deposits | 107.6039% | 1,452 |
| Total domestic deposits to total assets | 76.7507% | 6,612 |
| Equity capital to assets | 14.7388% | 942 |
| Core capital (leverage) ratio | 14.6267% | 823 |
| Tier 1 risk-based capital ratio | 27.4962% | 671 |
| Total risk-based capital ratio | 28.5230% | 675 |
| Memoranda: | ||
| Average total assets | $96,623,500 | 5,240 |
| Average earning assets | $93,391,000 | 5,068 |
| Average equity | $14,134,500 | 4,217 |
| Average total loans | $75,359,000 | 4,662 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3253% | 974 |
| Cost of funding earning assets | 2.2250% | 1,922 |
| Net interest margin | 4.1003% | 2,445 |
| Noninterest income to average assets | 0.1391% | 7,049 |
| Noninterest expense to average assets | 2.5370% | 6,002 |
| Loan and lease loss provision to assets | 0.0967% | 6,646 |
| Net operating income to assets | 0.9681% | 1,947 |
| Return on assets (ROA) | 0.9681% | 2,006 |
| Pretax return on assets | 1.4679% | 1,268 |
| Return on Equity (ROE) | 6.5702% | 2,965 |
| Retained earnings to average equity (ytd only) | 6.5702% | 1,132 |
| Net charge-offs to loans | 0.0418% | 6,691 |
| Credit loss provision to net charge-offs | 296.6667% | 1,123 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 535 |
| Efficiency ratio | 61.8543% | 6,179 |
| Assets per employee ($millions) | 4.3825% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6705% | 7,432 |
| Loan loss allowance to noncurrent loans | 99.6024% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 6,148 |
| Noncurrent loans to loans | 0.6732% | 5,889 |
| Net loans and leases to total assets | 76.9826% | 1,590 |
| Net loans and leases to deposits | 99.9771% | 905 |
| Net loans and leases to core deposits | 151.4457% | 478 |
| Total domestic deposits to total assets | 77.0002% | 6,476 |
| Equity capital to assets | 14.5176% | 1,017 |
| Core capital (leverage) ratio | 14.3855% | 907 |
| Tier 1 risk-based capital ratio | 27.1762% | 692 |
| Total risk-based capital ratio | 28.1617% | 694 |
| Memoranda: | ||
| Average total assets | $92,039,200 | 5,330 |
| Average earning assets | $88,944,800 | 5,156 |
| Average equity | $13,561,200 | 4,370 |
| Average total loans | $71,790,600 | 4,808 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3831% | 955 |
| Cost of funding earning assets | 2.3042% | 1,971 |
| Net interest margin | 4.0789% | 2,483 |
| Noninterest income to average assets | 0.1319% | 7,216 |
| Noninterest expense to average assets | 2.4542% | 6,233 |
| Loan and lease loss provision to assets | 0.0953% | 6,414 |
| Net operating income to assets | 1.0057% | 2,034 |
| Return on assets (ROA) | 1.0057% | 2,097 |
| Pretax return on assets | 1.5247% | 1,342 |
| Return on Equity (ROE) | 6.7992% | 3,167 |
| Retained earnings to average equity (ytd only) | 6.7992% | 1,591 |
| Net charge-offs to loans | 0.0600% | 6,103 |
| Credit loss provision to net charge-offs | 203.1250% | 2,192 |
| Earnings coverage of net charge-offs (x) | 34.5278% | 836 |
| Efficiency ratio | 60.2375% | 6,380 |
| Assets per employee ($millions) | 4.2973% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6466% | 7,494 |
| Loan loss allowance to noncurrent loans | 112.5592% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.6981% | 5,735 |
| Noncurrent loans to loans | 0.5745% | 6,168 |
| Net loans and leases to total assets | 77.1951% | 1,742 |
| Net loans and leases to deposits | 100.6996% | 1,047 |
| Net loans and leases to core deposits | 150.2440% | 572 |
| Total domestic deposits to total assets | 76.6588% | 6,435 |
| Equity capital to assets | 14.5873% | 1,118 |
| Core capital (leverage) ratio | 14.4538% | 964 |
| Tier 1 risk-based capital ratio | 27.2358% | 730 |
| Total risk-based capital ratio | 28.1863% | 734 |
| Memoranda: | ||
| Average total assets | $90,945,500 | 5,393 |
| Average earning assets | $87,896,500 | 5,236 |
| Average equity | $13,452,250 | 4,425 |
| Average total loans | $71,057,500 | 4,876 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4537% | 913 |
| Cost of funding earning assets | 2.3916% | 1,998 |
| Net interest margin | 4.0621% | 2,462 |
| Noninterest income to average assets | 0.1382% | 7,266 |
| Noninterest expense to average assets | 2.5249% | 6,036 |
| Loan and lease loss provision to assets | 0.0914% | 6,258 |
| Net operating income to assets | 0.9582% | 2,251 |
| Return on assets (ROA) | 0.9582% | 2,352 |
| Pretax return on assets | 1.4507% | 1,585 |
| Return on Equity (ROE) | 6.4471% | 3,463 |
| Retained earnings to average equity (ytd only) | 6.4471% | 1,823 |
| Net charge-offs to loans | 0.0826% | 5,380 |
| Credit loss provision to net charge-offs | 141.3793% | 3,296 |
| Earnings coverage of net charge-offs (x) | 23.8621% | 1,174 |
| Efficiency ratio | 62.0822% | 6,236 |
| Assets per employee ($millions) | 3.9346% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6350% | 7,571 |
| Loan loss allowance to noncurrent loans | 96.1864% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 6,129 |
| Noncurrent loans to loans | 0.6601% | 5,935 |
| Net loans and leases to total assets | 78.5082% | 1,637 |
| Net loans and leases to deposits | 103.2961% | 963 |
| Net loans and leases to core deposits | 150.6361% | 637 |
| Total domestic deposits to total assets | 76.0031% | 6,548 |
| Equity capital to assets | 14.9655% | 1,034 |
| Core capital (leverage) ratio | 14.8216% | 959 |
| Tier 1 risk-based capital ratio | 27.5367% | 745 |
| Total risk-based capital ratio | 28.4728% | 750 |
| Memoranda: | ||
| Average total assets | $89,747,000 | 5,469 |
| Average earning assets | $86,802,330 | 5,305 |
| Average equity | $13,339,330 | 4,459 |
| Average total loans | $70,258,000 | 4,952 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5196% | 834 |
| Cost of funding earning assets | 2.4587% | 2,073 |
| Net interest margin | 4.0609% | 2,424 |
| Noninterest income to average assets | 0.1432% | 7,274 |
| Noninterest expense to average assets | 2.4482% | 6,034 |
| Loan and lease loss provision to assets | 0.0806% | 5,938 |
| Net operating income to assets | 1.0249% | 2,208 |
| Return on assets (ROA) | 1.0249% | 2,351 |
| Pretax return on assets | 1.5396% | 1,564 |
| Return on Equity (ROE) | 6.9197% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.9197% | 2,243 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1760% | 6,380 |
| Assets per employee ($millions) | 3.9172% | 3,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6552% | 7,559 |
| Loan loss allowance to noncurrent loans | 256.9832% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 6,937 |
| Noncurrent loans to loans | 0.2549% | 6,802 |
| Net loans and leases to total assets | 77.4196% | 1,946 |
| Net loans and leases to deposits | 101.1852% | 1,261 |
| Net loans and leases to core deposits | 147.7358% | 790 |
| Total domestic deposits to total assets | 76.5128% | 6,400 |
| Equity capital to assets | 14.8686% | 1,139 |
| Core capital (leverage) ratio | 14.6789% | 1,039 |
| Tier 1 risk-based capital ratio | 27.5634% | 783 |
| Total risk-based capital ratio | 28.5274% | 776 |
| Memoranda: | ||
| Average total assets | $89,373,000 | 5,509 |
| Average earning assets | $86,385,500 | 5,341 |
| Average equity | $13,237,500 | 4,522 |
| Average total loans | $69,637,000 | 4,998 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8623% | 1,509 |
| Cost of funding earning assets | 2.9820% | 1,929 |
| Net interest margin | 3.8803% | 3,658 |
| Noninterest income to average assets | 0.1367% | 7,420 |
| Noninterest expense to average assets | 2.5668% | 5,762 |
| Loan and lease loss provision to assets | 0.0660% | 6,564 |
| Net operating income to assets | 0.8247% | 3,337 |
| Return on assets (ROA) | 0.8247% | 3,174 |
| Pretax return on assets | 1.2463% | 2,494 |
| Return on Equity (ROE) | 5.6188% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.6188% | 1,703 |
| Net charge-offs to loans | 0.0152% | 6,677 |
| Credit loss provision to net charge-offs | 570.0000% | 767 |
| Earnings coverage of net charge-offs (x) | 113.3000% | 390 |
| Efficiency ratio | 66.1690% | 5,097 |
| Assets per employee ($millions) | 3.8543% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6400% | 7,577 |
| Loan loss allowance to noncurrent loans | 294.6667% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 6,890 |
| Noncurrent loans to loans | 0.2172% | 6,743 |
| Net loans and leases to total assets | 77.4055% | 2,286 |
| Net loans and leases to deposits | 102.6523% | 1,513 |
| Net loans and leases to core deposits | 145.7798% | 1,021 |
| Total domestic deposits to total assets | 75.4055% | 6,366 |
| Equity capital to assets | 14.7535% | 1,231 |
| Core capital (leverage) ratio | 14.6376% | 1,110 |
| Tier 1 risk-based capital ratio | 27.6769% | 777 |
| Total risk-based capital ratio | 28.6234% | 779 |
| Memoranda: | ||
| Average total assets | $86,334,600 | 5,468 |
| Average earning assets | $83,266,800 | 5,320 |
| Average equity | $12,671,800 | 4,654 |
| Average total loans | $65,861,800 | 5,025 |