Home > Heritage Community Bank > Performance and Condition Ratios
Heritage Community 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 | 5.9091% | 718 |
| Cost of funding earning assets | 2.5485% | 336 |
| Net interest margin | 3.3606% | 2,494 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.4385% | 2,478 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.8623% | 2,663 |
| Return on assets (ROA) | 0.8757% | 2,591 |
| Pretax return on assets | 0.8757% | 3,024 |
| Return on Equity (ROE) | 11.3100% | 2,143 |
| Retained earnings to average equity (ytd only) | 5.1620% | 2,552 |
| Net charge-offs to loans | -0.0005% | 3,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.6420% | 1,694 |
| Assets per employee ($millions) | 6.4839% | 2,426 |
| Cash dividends to net income (ytd only)* | 54.3666% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,278 |
| Loan loss allowance to noncurrent loans | 905.6478% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 2,612 |
| Noncurrent loans to loans | 0.1330% | 2,843 |
| Net loans and leases to total assets | 88.4500% | 68 |
| Net loans and leases to deposits | 103.8544% | 370 |
| Net loans and leases to core deposits | 115.8641% | 747 |
| Total domestic deposits to total assets | 85.1700% | 2,256 |
| Equity capital to assets | 7.6600% | 3,625 |
| Core capital (leverage) ratio | 7.8390% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5596% | 2,872 |
| Memoranda: | ||
| Average total assets | $237,978,400 | 2,748 |
| Average earning assets | $222,284,800 | 2,726 |
| Average equity | $18,423,000 | 2,980 |
| Average total loans | $211,486,600 | 2,221 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6778% | 818 |
| Cost of funding earning assets | 2.3532% | 361 |
| Net interest margin | 3.3246% | 2,629 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.4907% | 2,261 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.7957% | 3,031 |
| Return on assets (ROA) | 0.8059% | 2,999 |
| Pretax return on assets | 0.8059% | 3,324 |
| Return on Equity (ROE) | 10.3800% | 2,536 |
| Retained earnings to average equity (ytd only) | 2.6613% | 3,594 |
| Net charge-offs to loans | -0.0006% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.8690% | 1,373 |
| Assets per employee ($millions) | 6.1794% | 2,589 |
| Cash dividends to net income (ytd only)* | 74.3644% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 2,280 |
| Loan loss allowance to noncurrent loans | 509.8077% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 1,781 |
| Noncurrent loans to loans | 0.2385% | 2,396 |
| Net loans and leases to total assets | 87.1400% | 113 |
| Net loans and leases to deposits | 105.3519% | 311 |
| Net loans and leases to core deposits | 115.2168% | 688 |
| Total domestic deposits to total assets | 82.7100% | 3,067 |
| Equity capital to assets | 7.5627% | 3,319 |
| Core capital (leverage) ratio | 7.9484% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5823% | 2,880 |
| Memoranda: | ||
| Average total assets | $234,255,250 | 2,780 |
| Average earning assets | $218,366,750 | 2,763 |
| Average equity | $18,186,250 | 2,990 |
| Average total loans | $207,760,750 | 2,237 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5202% | 805 |
| Cost of funding earning assets | 2.1842% | 347 |
| Net interest margin | 3.3360% | 2,670 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.5006% | 2,207 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.8245% | 3,004 |
| Return on assets (ROA) | 0.8376% | 2,976 |
| Pretax return on assets | 0.8376% | 3,308 |
| Return on Equity (ROE) | 10.6900% | 2,505 |
| Retained earnings to average equity (ytd only) | -0.9990% | 4,217 |
| Net charge-offs to loans | -0.0020% | 3,529 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.7558% | 1,374 |
| Assets per employee ($millions) | 6.0726% | 2,651 |
| Cash dividends to net income (ytd only)* | 109.3458% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,295 |
| Loan loss allowance to noncurrent loans | 523.7805% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 1,670 |
| Noncurrent loans to loans | 0.2347% | 2,323 |
| Net loans and leases to total assets | 87.4200% | 100 |
| Net loans and leases to deposits | 102.2586% | 423 |
| Net loans and leases to core deposits | 111.7128% | 757 |
| Total domestic deposits to total assets | 85.4900% | 2,394 |
| Equity capital to assets | 7.6708% | 3,423 |
| Core capital (leverage) ratio | 7.9942% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6112% | 2,895 |
| Memoranda: | ||
| Average total assets | $229,948,667 | 2,812 |
| Average earning assets | $214,269,000 | 2,797 |
| Average equity | $18,017,333 | 3,021 |
| Average total loans | $204,333,333 | 2,259 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3897% | 737 |
| Cost of funding earning assets | 2.0052% | 295 |
| Net interest margin | 3.3845% | 2,676 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.5306% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8989% | 2,857 |
| Return on assets (ROA) | 0.9130% | 2,769 |
| Pretax return on assets | 0.9130% | 3,199 |
| Return on Equity (ROE) | 11.5300% | 2,345 |
| Retained earnings to average equity (ytd only) | -11.9493% | 4,511 |
| Net charge-offs to loans | -0.0040% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.7899% | 1,364 |
| Assets per employee ($millions) | 5.9006% | 2,844 |
| Cash dividends to net income (ytd only)* | 203.6750% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,446 |
| Loan loss allowance to noncurrent loans | 377.9456% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 1,573 |
| Noncurrent loans to loans | 0.3230% | 1,993 |
| Net loans and leases to total assets | 87.9900% | 74 |
| Net loans and leases to deposits | 102.3154% | 351 |
| Net loans and leases to core deposits | 110.4946% | 686 |
| Total domestic deposits to total assets | 86.0000% | 2,590 |
| Equity capital to assets | 7.6967% | 3,448 |
| Core capital (leverage) ratio | 7.8466% | 4,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7726% | 2,971 |
| Memoranda: | ||
| Average total assets | $226,506,500 | 2,860 |
| Average earning assets | $210,252,500 | 2,858 |
| Average equity | $17,942,500 | 3,051 |
| Average total loans | $201,690,000 | 2,295 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 499 |
| Cost of funding earning assets | 0.5815% | 482 |
| Net interest margin | 3.9206% | 765 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.6869% | 1,499 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.2621% | 1,484 |
| Return on assets (ROA) | 1.2541% | 1,481 |
| Pretax return on assets | 1.2541% | 2,194 |
| Return on Equity (ROE) | 14.4800% | 1,299 |
| Retained earnings to average equity (ytd only) | 3.7888% | 3,516 |
| Net charge-offs to loans | -0.0023% | 3,295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.0794% | 2,270 |
| Assets per employee ($millions) | 5.5877% | 3,135 |
| Cash dividends to net income (ytd only)* | 73.8388% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,083 |
| Loan loss allowance to noncurrent loans | 361.6766% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 1,555 |
| Noncurrent loans to loans | 0.3565% | 1,958 |
| Net loans and leases to total assets | 87.1200% | 88 |
| Net loans and leases to deposits | 104.0851% | 237 |
| Net loans and leases to core deposits | 110.1065% | 464 |
| Total domestic deposits to total assets | 83.7000% | 3,559 |
| Equity capital to assets | 8.3213% | 2,664 |
| Core capital (leverage) ratio | 8.5575% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5957% | 2,919 |
| Memoranda: | ||
| Average total assets | $199,131,500 | 3,073 |
| Average earning assets | $185,275,000 | 3,058 |
| Average equity | $17,243,250 | 3,221 |
| Average total loans | $170,896,500 | 2,447 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3782% | 454 |
| Cost of funding earning assets | 0.4714% | 618 |
| Net interest margin | 3.9068% | 597 |
| Noninterest income to average assets | 0.4447% | 2,483 |
| Noninterest expense to average assets | 2.7268% | 1,321 |
| Loan and lease loss provision to assets | 0.1027% | 972 |
| Net operating income to assets | 1.2581% | 1,262 |
| Return on assets (ROA) | 1.2448% | 1,276 |
| Pretax return on assets | 1.2448% | 1,916 |
| Return on Equity (ROE) | 14.1743% | 1,070 |
| Retained earnings to average equity (ytd only) | -1.9998% | 4,386 |
| Net charge-offs to loans | -0.0024% | 3,170 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7085% | 2,412 |
| Assets per employee ($millions) | 5.1225% | 3,574 |
| Cash dividends to net income (ytd only)* | 114.1089% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 2,001 |
| Loan loss allowance to noncurrent loans | 537.9310% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 2,257 |
| Noncurrent loans to loans | 0.2494% | 2,483 |
| Net loans and leases to total assets | 83.9835% | 188 |
| Net loans and leases to deposits | 97.8044% | 351 |
| Net loans and leases to core deposits | 100.8002% | 641 |
| Total domestic deposits to total assets | 85.8688% | 3,280 |
| Equity capital to assets | 8.3548% | 2,869 |
| Core capital (leverage) ratio | 8.7945% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,730,667 | 3,127 |
| Average earning assets | $181,582,667 | 3,119 |
| Average equity | $17,101,333 | 3,314 |
| Average total loans | $165,396,667 | 2,506 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3066% | 429 |
| Cost of funding earning assets | 0.4537% | 641 |
| Net interest margin | 3.8529% | 566 |
| Noninterest income to average assets | 0.5400% | 1,950 |
| Noninterest expense to average assets | 2.7567% | 1,239 |
| Loan and lease loss provision to assets | 0.0527% | 1,437 |
| Net operating income to assets | 1.3668% | 863 |
| Return on assets (ROA) | 1.3583% | 877 |
| Pretax return on assets | 1.3583% | 1,363 |
| Return on Equity (ROE) | 15.0709% | 637 |
| Retained earnings to average equity (ytd only) | -17.2941% | 4,669 |
| Net charge-offs to loans | -0.0099% | 3,586 |
| Credit loss provision to net charge-offs | -625.0000% | 3,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0101% | 2,770 |
| Assets per employee ($millions) | 4.8060% | 3,920 |
| Cash dividends to net income (ytd only)* | 214.7516% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 2,039 |
| Loan loss allowance to noncurrent loans | 535.9338% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 2,322 |
| Noncurrent loans to loans | 0.2551% | 2,566 |
| Net loans and leases to total assets | 85.0603% | 65 |
| Net loans and leases to deposits | 94.0375% | 363 |
| Net loans and leases to core deposits | 96.4868% | 634 |
| Total domestic deposits to total assets | 90.4536% | 1,320 |
| Equity capital to assets | 8.6491% | 3,025 |
| Core capital (leverage) ratio | 8.6963% | 3,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,645,500 | 3,176 |
| Average earning assets | $178,982,500 | 3,151 |
| Average equity | $17,092,500 | 3,390 |
| Average total loans | $160,883,500 | 2,539 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 392 |
| Cost of funding earning assets | 0.5483% | 718 |
| Net interest margin | 4.2037% | 484 |
| Noninterest income to average assets | 0.6386% | 1,994 |
| Noninterest expense to average assets | 2.7455% | 1,495 |
| Loan and lease loss provision to assets | 0.2121% | 494 |
| Net operating income to assets | 1.6173% | 763 |
| Return on assets (ROA) | 1.6300% | 779 |
| Pretax return on assets | 1.6300% | 1,340 |
| Return on Equity (ROE) | 17.9784% | 468 |
| Retained earnings to average equity (ytd only) | 11.1976% | 671 |
| Net charge-offs to loans | 0.0210% | 1,850 |
| Credit loss provision to net charge-offs | 1,196.8750% | 470 |
| Earnings coverage of net charge-offs (x) | 103.2188% | 865 |
| Efficiency ratio | 60.0121% | 3,147 |
| Assets per employee ($millions) | 4.7962% | 3,891 |
| Cash dividends to net income (ytd only)* | 37.7166% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 1,787 |
| Loan loss allowance to noncurrent loans | 459.5483% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 2,254 |
| Noncurrent loans to loans | 0.3122% | 2,470 |
| Net loans and leases to total assets | 82.1926% | 170 |
| Net loans and leases to deposits | 91.6959% | 493 |
| Net loans and leases to core deposits | 94.1591% | 772 |
| Total domestic deposits to total assets | 89.6360% | 1,150 |
| Equity capital to assets | 9.3867% | 3,239 |
| Core capital (leverage) ratio | 9.2984% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,547,200 | 3,206 |
| Average earning assets | $169,064,600 | 3,197 |
| Average equity | $16,369,600 | 3,512 |
| Average total loans | $152,625,200 | 2,610 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7848% | 422 |
| Cost of funding earning assets | 0.5733% | 729 |
| Net interest margin | 4.2115% | 532 |
| Noninterest income to average assets | 0.6833% | 1,876 |
| Noninterest expense to average assets | 2.7117% | 1,561 |
| Loan and lease loss provision to assets | 0.2258% | 432 |
| Net operating income to assets | 1.6759% | 874 |
| Return on assets (ROA) | 1.6879% | 893 |
| Pretax return on assets | 1.6879% | 1,434 |
| Return on Equity (ROE) | 18.7894% | 538 |
| Retained earnings to average equity (ytd only) | 9.5813% | 1,457 |
| Net charge-offs to loans | 0.0290% | 1,472 |
| Credit loss provision to net charge-offs | 918.1818% | 534 |
| Earnings coverage of net charge-offs (x) | 77.3333% | 1,002 |
| Efficiency ratio | 58.7789% | 3,158 |
| Assets per employee ($millions) | 4.7561% | 3,923 |
| Cash dividends to net income (ytd only)* | 49.0066% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 1,922 |
| Loan loss allowance to noncurrent loans | 215.9159% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 911 |
| Noncurrent loans to loans | 0.6595% | 1,669 |
| Net loans and leases to total assets | 82.6158% | 161 |
| Net loans and leases to deposits | 93.2752% | 440 |
| Net loans and leases to core deposits | 95.7258% | 760 |
| Total domestic deposits to total assets | 88.5721% | 1,529 |
| Equity capital to assets | 9.3735% | 3,488 |
| Core capital (leverage) ratio | 9.2045% | 3,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,921,250 | 3,250 |
| Average earning assets | $166,967,750 | 3,246 |
| Average equity | $16,072,500 | 3,578 |
| Average total loans | $151,786,500 | 2,655 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8009% | 462 |
| Cost of funding earning assets | 0.6045% | 731 |
| Net interest margin | 4.1964% | 585 |
| Noninterest income to average assets | 0.6045% | 2,198 |
| Noninterest expense to average assets | 2.6806% | 1,640 |
| Loan and lease loss provision to assets | 0.2333% | 436 |
| Net operating income to assets | 1.5994% | 1,049 |
| Return on assets (ROA) | 1.6084% | 1,090 |
| Pretax return on assets | 1.6084% | 1,714 |
| Return on Equity (ROE) | 18.1715% | 628 |
| Retained earnings to average equity (ytd only) | 4.1057% | 3,487 |
| Net charge-offs to loans | 0.0461% | 1,170 |
| Credit loss provision to net charge-offs | 594.2857% | 632 |
| Earnings coverage of net charge-offs (x) | 46.6857% | 1,097 |
| Efficiency ratio | 59.3936% | 3,097 |
| Assets per employee ($millions) | 4.6070% | 4,010 |
| Cash dividends to net income (ytd only)* | 77.4059% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 2,133 |
| Loan loss allowance to noncurrent loans | 334.9593% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 1,377 |
| Noncurrent loans to loans | 0.4072% | 2,458 |
| Net loans and leases to total assets | 82.9124% | 175 |
| Net loans and leases to deposits | 93.1879% | 490 |
| Net loans and leases to core deposits | 95.4679% | 830 |
| Total domestic deposits to total assets | 88.9734% | 1,296 |
| Equity capital to assets | 8.9668% | 3,824 |
| Core capital (leverage) ratio | 8.6784% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,317,333 | 3,263 |
| Average earning assets | $166,093,333 | 3,262 |
| Average equity | $15,783,000 | 3,604 |
| Average total loans | $151,891,667 | 2,665 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 542 |
| Cost of funding earning assets | 0.6435% | 722 |
| Net interest margin | 4.0909% | 729 |
| Noninterest income to average assets | 0.6237% | 2,117 |
| Noninterest expense to average assets | 2.5648% | 1,975 |
| Loan and lease loss provision to assets | 0.2544% | 408 |
| Net operating income to assets | 1.6123% | 1,109 |
| Return on assets (ROA) | 1.6303% | 1,117 |
| Pretax return on assets | 1.6303% | 1,652 |
| Return on Equity (ROE) | 18.5415% | 666 |
| Retained earnings to average equity (ytd only) | -9.8854% | 4,815 |
| Net charge-offs to loans | 0.0972% | 698 |
| Credit loss provision to net charge-offs | 305.4054% | 745 |
| Earnings coverage of net charge-offs (x) | 22.4054% | 1,211 |
| Efficiency ratio | 57.8760% | 3,318 |
| Assets per employee ($millions) | 4.7413% | 3,895 |
| Cash dividends to net income (ytd only)* | 153.3149% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,419 |
| Loan loss allowance to noncurrent loans | 467.3810% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 1,901 |
| Noncurrent loans to loans | 0.2791% | 3,099 |
| Net loans and leases to total assets | 82.4305% | 207 |
| Net loans and leases to deposits | 93.3628% | 526 |
| Net loans and leases to core deposits | 96.1511% | 875 |
| Total domestic deposits to total assets | 88.2905% | 1,705 |
| Equity capital to assets | 8.5547% | 4,074 |
| Core capital (leverage) ratio | 8.4621% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,639,000 | 3,261 |
| Average earning assets | $165,344,000 | 3,263 |
| Average equity | $15,619,000 | 3,625 |
| Average total loans | $152,321,500 | 2,663 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1524% | 367 |
| Cost of funding earning assets | 0.9971% | 600 |
| Net interest margin | 4.1552% | 708 |
| Noninterest income to average assets | 0.4266% | 2,985 |
| Noninterest expense to average assets | 2.9315% | 1,597 |
| Loan and lease loss provision to assets | 0.0617% | 3,601 |
| Net operating income to assets | 1.2824% | 1,299 |
| Return on assets (ROA) | 1.2830% | 1,397 |
| Pretax return on assets | 1.2830% | 2,038 |
| Return on Equity (ROE) | 14.0036% | 811 |
| Retained earnings to average equity (ytd only) | 7.6488% | 1,158 |
| Net charge-offs to loans | -0.0057% | 4,167 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5632% | 2,156 |
| Assets per employee ($millions) | 4.7326% | 3,687 |
| Cash dividends to net income (ytd only)* | 45.3802% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,821 |
| Loan loss allowance to noncurrent loans | 406.6810% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 1,956 |
| Noncurrent loans to loans | 0.3010% | 3,117 |
| Net loans and leases to total assets | 86.9623% | 71 |
| Net loans and leases to deposits | 101.2002% | 326 |
| Net loans and leases to core deposits | 104.7542% | 697 |
| Total domestic deposits to total assets | 85.9310% | 2,394 |
| Equity capital to assets | 9.0373% | 4,019 |
| Core capital (leverage) ratio | 8.6141% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,964,000 | 3,273 |
| Average earning assets | $150,027,600 | 3,262 |
| Average equity | $14,839,000 | 3,667 |
| Average total loans | $140,280,800 | 2,751 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0769% | 524 |
| Cost of funding earning assets | 1.1063% | 527 |
| Net interest margin | 3.9706% | 1,182 |
| Noninterest income to average assets | 0.4890% | 2,657 |
| Noninterest expense to average assets | 2.9417% | 1,582 |
| Loan and lease loss provision to assets | 0.0334% | 3,922 |
| Net operating income to assets | 1.1839% | 1,694 |
| Return on assets (ROA) | 1.1806% | 1,826 |
| Pretax return on assets | 1.1806% | 2,452 |
| Return on Equity (ROE) | 12.8373% | 1,159 |
| Retained earnings to average equity (ytd only) | 4.2212% | 2,937 |
| Net charge-offs to loans | -0.0117% | 4,265 |
| Credit loss provision to net charge-offs | -333.3333% | 3,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7273% | 1,785 |
| Assets per employee ($millions) | 4.6250% | 3,692 |
| Cash dividends to net income (ytd only)* | 67.1174% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 2,738 |
| Loan loss allowance to noncurrent loans | 581.2698% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 2,099 |
| Noncurrent loans to loans | 0.2042% | 3,566 |
| Net loans and leases to total assets | 86.7164% | 120 |
| Net loans and leases to deposits | 104.8516% | 362 |
| Net loans and leases to core deposits | 108.9697% | 734 |
| Total domestic deposits to total assets | 82.7039% | 3,220 |
| Equity capital to assets | 8.6270% | 4,387 |
| Core capital (leverage) ratio | 9.0063% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,678,000 | 3,284 |
| Average earning assets | $146,674,500 | 3,282 |
| Average equity | $14,592,500 | 3,690 |
| Average total loans | $136,809,750 | 2,786 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1783% | 596 |
| Cost of funding earning assets | 1.2540% | 428 |
| Net interest margin | 3.9243% | 1,517 |
| Noninterest income to average assets | 0.4693% | 2,715 |
| Noninterest expense to average assets | 3.0382% | 1,488 |
| Loan and lease loss provision to assets | 0.0261% | 3,931 |
| Net operating income to assets | 1.0419% | 2,182 |
| Return on assets (ROA) | 1.0393% | 2,322 |
| Pretax return on assets | 1.0393% | 2,901 |
| Return on Equity (ROE) | 11.0396% | 1,619 |
| Retained earnings to average equity (ytd only) | -2.0552% | 4,592 |
| Net charge-offs to loans | -0.0214% | 4,423 |
| Credit loss provision to net charge-offs | -142.8571% | 3,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9892% | 1,462 |
| Assets per employee ($millions) | 4.2261% | 4,076 |
| Cash dividends to net income (ytd only)* | 118.6164% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,035 |
| Loan loss allowance to noncurrent loans | 1,079.1667% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.7030% | 1,748 |
| Noncurrent loans to loans | 0.1198% | 3,970 |
| Net loans and leases to total assets | 86.1588% | 132 |
| Net loans and leases to deposits | 100.1353% | 543 |
| Net loans and leases to core deposits | 104.2808% | 984 |
| Total domestic deposits to total assets | 86.0424% | 1,990 |
| Equity capital to assets | 9.0739% | 4,015 |
| Core capital (leverage) ratio | 8.8748% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,987,000 | 3,324 |
| Average earning assets | $141,784,667 | 3,327 |
| Average equity | $14,402,667 | 3,717 |
| Average total loans | $131,001,000 | 2,857 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1382% | 745 |
| Cost of funding earning assets | 1.3445% | 493 |
| Net interest margin | 3.7936% | 2,004 |
| Noninterest income to average assets | 0.4692% | 2,702 |
| Noninterest expense to average assets | 3.3033% | 1,220 |
| Loan and lease loss provision to assets | 0.0536% | 3,102 |
| Net operating income to assets | 0.6301% | 3,518 |
| Return on assets (ROA) | 0.6301% | 3,576 |
| Pretax return on assets | 0.6301% | 3,868 |
| Return on Equity (ROE) | 6.5652% | 3,110 |
| Retained earnings to average equity (ytd only) | -19.7793% | 4,962 |
| Net charge-offs to loans | -0.0443% | 4,592 |
| Credit loss provision to net charge-offs | -142.8571% | 3,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8514% | 913 |
| Assets per employee ($millions) | 4.0043% | 3,912 |
| Cash dividends to net income (ytd only)* | 401.2766% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 1,539 |
| Loan loss allowance to noncurrent loans | 423.5981% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 1,931 |
| Noncurrent loans to loans | 0.3409% | 3,275 |
| Net loans and leases to total assets | 81.3311% | 526 |
| Net loans and leases to deposits | 94.9988% | 998 |
| Net loans and leases to core deposits | 100.0517% | 1,465 |
| Total domestic deposits to total assets | 85.6127% | 2,165 |
| Equity capital to assets | 9.1849% | 4,475 |
| Core capital (leverage) ratio | 9.1086% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,184,000 | 3,334 |
| Average earning assets | $138,337,000 | 3,331 |
| Average equity | $14,318,000 | 3,733 |
| Average total loans | $126,412,500 | 2,882 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3602% | 728 |
| Cost of funding earning assets | 1.3343% | 693 |
| Net interest margin | 4.0259% | 1,768 |
| Noninterest income to average assets | 0.5547% | 2,446 |
| Noninterest expense to average assets | 3.0545% | 1,862 |
| Loan and lease loss provision to assets | 0.1505% | 1,418 |
| Net operating income to assets | 1.0663% | 2,596 |
| Return on assets (ROA) | 1.0663% | 2,688 |
| Pretax return on assets | 1.0663% | 3,279 |
| Return on Equity (ROE) | 11.2047% | 1,810 |
| Retained earnings to average equity (ytd only) | 8.0783% | 951 |
| Net charge-offs to loans | 0.0095% | 3,346 |
| Credit loss provision to net charge-offs | 1,833.3333% | 207 |
| Earnings coverage of net charge-offs (x) | 148.2500% | 498 |
| Efficiency ratio | 71.5132% | 1,941 |
| Assets per employee ($millions) | 3.5660% | 4,413 |
| Cash dividends to net income (ytd only)* | 27.9025% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 1,525 |
| Loan loss allowance to noncurrent loans | 151.2755% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 1.2318% | 935 |
| Noncurrent loans to loans | 0.9241% | 1,661 |
| Net loans and leases to total assets | 85.8227% | 175 |
| Net loans and leases to deposits | 101.4767% | 504 |
| Net loans and leases to core deposits | 106.8462% | 1,061 |
| Total domestic deposits to total assets | 84.5738% | 2,654 |
| Equity capital to assets | 10.0269% | 3,892 |
| Core capital (leverage) ratio | 9.7281% | 3,816 |
| Tier 1 risk-based capital ratio | 11.7240% | 4,512 |
| Total risk-based capital ratio | 12.9765% | 4,391 |
| Memoranda: | ||
| Average total assets | $146,211,800 | 3,342 |
| Average earning assets | $134,977,000 | 3,354 |
| Average equity | $13,913,800 | 3,765 |
| Average total loans | $126,668,200 | 2,857 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3035% | 858 |
| Cost of funding earning assets | 1.3155% | 751 |
| Net interest margin | 3.9880% | 1,984 |
| Noninterest income to average assets | 0.5645% | 2,386 |
| Noninterest expense to average assets | 3.0649% | 1,791 |
| Loan and lease loss provision to assets | 0.1459% | 1,309 |
| Net operating income to assets | 1.0332% | 2,847 |
| Return on assets (ROA) | 1.0332% | 2,928 |
| Pretax return on assets | 1.0332% | 3,492 |
| Return on Equity (ROE) | 11.0046% | 2,013 |
| Retained earnings to average equity (ytd only) | 6.7795% | 1,966 |
| Net charge-offs to loans | -0.0032% | 4,113 |
| Credit loss provision to net charge-offs | -5,333.3333% | 4,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2174% | 1,800 |
| Assets per employee ($millions) | 3.6251% | 4,366 |
| Cash dividends to net income (ytd only)* | 38.3939% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 1,737 |
| Loan loss allowance to noncurrent loans | 335.3965% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.7684% | 1,790 |
| Noncurrent loans to loans | 0.4042% | 3,099 |
| Net loans and leases to total assets | 84.8878% | 265 |
| Net loans and leases to deposits | 101.3732% | 535 |
| Net loans and leases to core deposits | 107.1919% | 1,101 |
| Total domestic deposits to total assets | 83.7379% | 2,919 |
| Equity capital to assets | 9.5789% | 4,406 |
| Core capital (leverage) ratio | 9.3582% | 4,316 |
| Tier 1 risk-based capital ratio | 10.9791% | 4,917 |
| Total risk-based capital ratio | 12.2303% | 4,803 |
| Memoranda: | ||
| Average total assets | $146,213,250 | 3,382 |
| Average earning assets | $134,900,750 | 3,384 |
| Average equity | $13,727,250 | 3,826 |
| Average total loans | $126,521,000 | 2,894 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2312% | 922 |
| Cost of funding earning assets | 1.2783% | 793 |
| Net interest margin | 3.9529% | 2,087 |
| Noninterest income to average assets | 0.6575% | 1,884 |
| Noninterest expense to average assets | 3.0892% | 1,759 |
| Loan and lease loss provision to assets | 0.1651% | 1,103 |
| Net operating income to assets | 1.0440% | 2,751 |
| Return on assets (ROA) | 1.0440% | 2,823 |
| Pretax return on assets | 1.0440% | 3,405 |
| Return on Equity (ROE) | 11.1969% | 1,905 |
| Retained earnings to average equity (ytd only) | 4.7797% | 2,876 |
| Net charge-offs to loans | -0.0063% | 4,190 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8720% | 1,942 |
| Assets per employee ($millions) | 4.1076% | 3,717 |
| Cash dividends to net income (ytd only)* | 57.3123% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 1,888 |
| Loan loss allowance to noncurrent loans | 376.6667% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 1.2903% | 990 |
| Noncurrent loans to loans | 0.3532% | 3,280 |
| Net loans and leases to total assets | 85.0178% | 280 |
| Net loans and leases to deposits | 103.7302% | 432 |
| Net loans and leases to core deposits | 109.8577% | 986 |
| Total domestic deposits to total assets | 81.9604% | 3,525 |
| Equity capital to assets | 9.3559% | 4,537 |
| Core capital (leverage) ratio | 9.2662% | 4,391 |
| Tier 1 risk-based capital ratio | 10.4953% | 5,106 |
| Total risk-based capital ratio | 11.7459% | 5,024 |
| Memoranda: | ||
| Average total assets | $145,408,330 | 3,410 |
| Average earning assets | $133,927,000 | 3,426 |
| Average equity | $13,557,330 | 3,852 |
| Average total loans | $126,061,000 | 2,915 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1207% | 1,057 |
| Cost of funding earning assets | 1.2254% | 837 |
| Net interest margin | 3.8953% | 2,204 |
| Noninterest income to average assets | 0.6770% | 1,694 |
| Noninterest expense to average assets | 3.0629% | 1,824 |
| Loan and lease loss provision to assets | 0.1665% | 1,010 |
| Net operating income to assets | 1.0460% | 2,673 |
| Return on assets (ROA) | 1.0460% | 2,715 |
| Pretax return on assets | 1.0460% | 3,296 |
| Return on Equity (ROE) | 11.2382% | 1,848 |
| Retained earnings to average equity (ytd only) | -1.7290% | 4,722 |
| Net charge-offs to loans | -0.0032% | 3,931 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6418% | 2,089 |
| Assets per employee ($millions) | 3.8408% | 4,130 |
| Cash dividends to net income (ytd only)* | 115.3846% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 2,053 |
| Loan loss allowance to noncurrent loans | 385.1415% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 945 |
| Noncurrent loans to loans | 0.3397% | 3,364 |
| Net loans and leases to total assets | 84.4056% | 336 |
| Net loans and leases to deposits | 101.1470% | 547 |
| Net loans and leases to core deposits | 105.9845% | 1,174 |
| Total domestic deposits to total assets | 83.4484% | 3,236 |
| Equity capital to assets | 9.1908% | 4,543 |
| Core capital (leverage) ratio | 9.0457% | 4,625 |
| Tier 1 risk-based capital ratio | 10.3938% | 5,198 |
| Total risk-based capital ratio | 11.6438% | 5,119 |
| Memoranda: | ||
| Average total assets | $144,175,000 | 3,464 |
| Average earning assets | $133,184,500 | 3,466 |
| Average equity | $13,418,500 | 3,888 |
| Average total loans | $125,384,000 | 2,956 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9527% | 1,153 |
| Cost of funding earning assets | 0.9604% | 883 |
| Net interest margin | 3.9923% | 2,006 |
| Noninterest income to average assets | 0.4586% | 3,056 |
| Noninterest expense to average assets | 3.0527% | 1,920 |
| Loan and lease loss provision to assets | 0.3260% | 487 |
| Net operating income to assets | 0.7825% | 3,870 |
| Return on assets (ROA) | 0.7825% | 3,871 |
| Pretax return on assets | 0.7825% | 4,217 |
| Return on Equity (ROE) | 8.3554% | 3,298 |
| Retained earnings to average equity (ytd only) | 0.3214% | 4,904 |
| Net charge-offs to loans | 0.4776% | 379 |
| Credit loss provision to net charge-offs | 78.7197% | 2,885 |
| Earnings coverage of net charge-offs (x) | 2.6765% | 3,498 |
| Efficiency ratio | 73.3597% | 1,711 |
| Assets per employee ($millions) | 3.9556% | 3,955 |
| Cash dividends to net income (ytd only)* | 96.1538% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 2,313 |
| Loan loss allowance to noncurrent loans | 412.3360% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 1.4094% | 859 |
| Noncurrent loans to loans | 0.3025% | 3,470 |
| Net loans and leases to total assets | 87.3413% | 146 |
| Net loans and leases to deposits | 106.3999% | 354 |
| Net loans and leases to core deposits | 111.6714% | 897 |
| Total domestic deposits to total assets | 82.0878% | 3,622 |
| Equity capital to assets | 9.4263% | 4,191 |
| Core capital (leverage) ratio | 9.2293% | 4,425 |
| Tier 1 risk-based capital ratio | 10.4167% | 5,211 |
| Total risk-based capital ratio | 11.6655% | 5,122 |
| Memoranda: | ||
| Average total assets | $139,550,000 | 3,510 |
| Average earning assets | $129,423,200 | 3,500 |
| Average equity | $13,069,400 | 3,873 |
| Average total loans | $121,031,200 | 2,980 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 1,275 |
| Cost of funding earning assets | 0.8935% | 950 |
| Net interest margin | 3.9668% | 2,063 |
| Noninterest income to average assets | 0.4542% | 3,139 |
| Noninterest expense to average assets | 3.0212% | 1,947 |
| Loan and lease loss provision to assets | 0.3505% | 386 |
| Net operating income to assets | 0.7577% | 4,051 |
| Return on assets (ROA) | 0.7577% | 4,061 |
| Pretax return on assets | 0.7577% | 4,408 |
| Return on Equity (ROE) | 8.1039% | 3,508 |
| Retained earnings to average equity (ytd only) | -2.6808% | 5,234 |
| Net charge-offs to loans | 0.6310% | 230 |
| Credit loss provision to net charge-offs | 64.3739% | 2,689 |
| Earnings coverage of net charge-offs (x) | 2.0353% | 3,288 |
| Efficiency ratio | 73.1628% | 1,708 |
| Assets per employee ($millions) | 3.8998% | 4,045 |
| Cash dividends to net income (ytd only)* | 133.0808% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,543 |
| Loan loss allowance to noncurrent loans | 120.5170% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 1.4075% | 946 |
| Noncurrent loans to loans | 1.0076% | 1,699 |
| Net loans and leases to total assets | 86.4514% | 223 |
| Net loans and leases to deposits | 105.0104% | 484 |
| Net loans and leases to core deposits | 108.9224% | 1,103 |
| Total domestic deposits to total assets | 82.3265% | 3,515 |
| Equity capital to assets | 9.3204% | 4,255 |
| Core capital (leverage) ratio | 9.1925% | 4,519 |
| Tier 1 risk-based capital ratio | 10.4230% | 5,265 |
| Total risk-based capital ratio | 11.6378% | 5,192 |
| Memoranda: | ||
| Average total assets | $138,837,500 | 3,557 |
| Average earning assets | $128,630,750 | 3,551 |
| Average equity | $12,981,000 | 3,914 |
| Average total loans | $119,802,750 | 3,024 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7823% | 1,301 |
| Cost of funding earning assets | 0.8298% | 1,006 |
| Net interest margin | 3.9525% | 2,026 |
| Noninterest income to average assets | 0.4367% | 3,242 |
| Noninterest expense to average assets | 3.0437% | 1,929 |
| Loan and lease loss provision to assets | 0.2820% | 505 |
| Net operating income to assets | 0.7750% | 3,936 |
| Return on assets (ROA) | 0.7750% | 3,939 |
| Pretax return on assets | 0.7750% | 4,320 |
| Return on Equity (ROE) | 8.2803% | 3,369 |
| Retained earnings to average equity (ytd only) | -7.9405% | 5,380 |
| Net charge-offs to loans | 0.2879% | 555 |
| Credit loss provision to net charge-offs | 114.0351% | 1,851 |
| Earnings coverage of net charge-offs (x) | 4.2749% | 2,803 |
| Efficiency ratio | 74.2243% | 1,677 |
| Assets per employee ($millions) | 4.1955% | 3,589 |
| Cash dividends to net income (ytd only)* | 195.8955% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,683 |
| Loan loss allowance to noncurrent loans | 61.8431% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 2.0065% | 537 |
| Noncurrent loans to loans | 2.2945% | 594 |
| Net loans and leases to total assets | 86.2047% | 250 |
| Net loans and leases to deposits | 102.0259% | 658 |
| Net loans and leases to core deposits | 105.7663% | 1,257 |
| Total domestic deposits to total assets | 84.4929% | 2,875 |
| Equity capital to assets | 9.2753% | 4,311 |
| Core capital (leverage) ratio | 9.2181% | 4,445 |
| Tier 1 risk-based capital ratio | 10.2840% | 5,346 |
| Total risk-based capital ratio | 11.5363% | 5,266 |
| Memoranda: | ||
| Average total assets | $138,319,670 | 3,590 |
| Average earning assets | $128,222,670 | 3,582 |
| Average equity | $12,946,330 | 3,939 |
| Average total loans | $118,783,000 | 3,051 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 1,297 |
| Cost of funding earning assets | 0.8064% | 922 |
| Net interest margin | 3.8982% | 2,053 |
| Noninterest income to average assets | 0.4861% | 2,892 |
| Noninterest expense to average assets | 2.9309% | 2,252 |
| Loan and lease loss provision to assets | 0.3183% | 397 |
| Net operating income to assets | 0.8593% | 3,464 |
| Return on assets (ROA) | 0.8593% | 3,474 |
| Pretax return on assets | 0.8593% | 3,986 |
| Return on Equity (ROE) | 9.1395% | 2,840 |
| Retained earnings to average equity (ytd only) | -23.1719% | 5,527 |
| Net charge-offs to loans | 0.3502% | 442 |
| Credit loss provision to net charge-offs | 106.7961% | 1,481 |
| Earnings coverage of net charge-offs (x) | 3.9515% | 2,344 |
| Efficiency ratio | 71.3380% | 2,291 |
| Assets per employee ($millions) | 4.0506% | 3,892 |
| Cash dividends to net income (ytd only)* | 353.5354% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 1,595 |
| Loan loss allowance to noncurrent loans | 50.5498% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 2.4434% | 388 |
| Noncurrent loans to loans | 2.9004% | 421 |
| Net loans and leases to total assets | 83.0068% | 535 |
| Net loans and leases to deposits | 96.4131% | 989 |
| Net loans and leases to core deposits | 100.5267% | 1,648 |
| Total domestic deposits to total assets | 86.0950% | 2,509 |
| Equity capital to assets | 9.1570% | 4,407 |
| Core capital (leverage) ratio | 8.8808% | 4,817 |
| Tier 1 risk-based capital ratio | 10.5586% | 5,332 |
| Total risk-based capital ratio | 11.8118% | 5,241 |
| Memoranda: | ||
| Average total assets | $138,253,000 | 3,630 |
| Average earning assets | $128,469,500 | 3,611 |
| Average equity | $12,998,500 | 3,967 |
| Average total loans | $117,639,000 | 3,095 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0388% | 603 |
| Cost of funding earning assets | 0.7472% | 833 |
| Net interest margin | 4.2916% | 978 |
| Noninterest income to average assets | 0.4316% | 3,426 |
| Noninterest expense to average assets | 2.7455% | 2,978 |
| Loan and lease loss provision to assets | 0.1560% | 1,445 |
| Net operating income to assets | 1.4723% | 863 |
| Return on assets (ROA) | 1.4723% | 872 |
| Pretax return on assets | 1.4723% | 1,742 |
| Return on Equity (ROE) | 15.7574% | 510 |
| Retained earnings to average equity (ytd only) | 9.5960% | 407 |
| Net charge-offs to loans | 0.0619% | 2,588 |
| Credit loss provision to net charge-offs | 291.6667% | 964 |
| Earnings coverage of net charge-offs (x) | 30.4444% | 1,532 |
| Efficiency ratio | 62.4151% | 3,876 |
| Assets per employee ($millions) | 4.2056% | 3,644 |
| Cash dividends to net income (ytd only)* | 39.1019% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 1,685 |
| Loan loss allowance to noncurrent loans | 278.6184% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 3,080 |
| Noncurrent loans to loans | 0.5098% | 2,988 |
| Net loans and leases to total assets | 84.7103% | 370 |
| Net loans and leases to deposits | 103.2893% | 532 |
| Net loans and leases to core deposits | 107.5696% | 1,169 |
| Total domestic deposits to total assets | 82.0126% | 3,869 |
| Equity capital to assets | 9.6451% | 4,092 |
| Core capital (leverage) ratio | 9.2983% | 4,294 |
| Tier 1 risk-based capital ratio | 11.1745% | 5,051 |
| Total risk-based capital ratio | 12.4270% | 4,923 |
| Memoranda: | ||
| Average total assets | $134,618,200 | 3,685 |
| Average earning assets | $123,660,800 | 3,689 |
| Average equity | $12,578,200 | 4,045 |
| Average total loans | $116,300,800 | 3,103 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0196% | 589 |
| Cost of funding earning assets | 0.7263% | 860 |
| Net interest margin | 4.2933% | 938 |
| Noninterest income to average assets | 0.4512% | 3,324 |
| Noninterest expense to average assets | 2.7310% | 2,955 |
| Loan and lease loss provision to assets | 0.1497% | 1,399 |
| Net operating income to assets | 1.5002% | 895 |
| Return on assets (ROA) | 1.5002% | 920 |
| Pretax return on assets | 1.5002% | 1,766 |
| Return on Equity (ROE) | 16.1919% | 506 |
| Retained earnings to average equity (ytd only) | 7.8428% | 1,284 |
| Net charge-offs to loans | 0.0496% | 2,436 |
| Credit loss provision to net charge-offs | 348.8372% | 868 |
| Earnings coverage of net charge-offs (x) | 38.4430% | 1,339 |
| Efficiency ratio | 61.8592% | 3,910 |
| Assets per employee ($millions) | 4.5050% | 3,134 |
| Cash dividends to net income (ytd only)* | 51.5637% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 1,994 |
| Loan loss allowance to noncurrent loans | 309.1078% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 3,371 |
| Noncurrent loans to loans | 0.4453% | 3,369 |
| Net loans and leases to total assets | 85.3288% | 306 |
| Net loans and leases to deposits | 103.5056% | 527 |
| Net loans and leases to core deposits | 107.7392% | 1,152 |
| Total domestic deposits to total assets | 82.4389% | 3,647 |
| Equity capital to assets | 9.2743% | 4,667 |
| Core capital (leverage) ratio | 9.2218% | 4,494 |
| Tier 1 risk-based capital ratio | 10.6141% | 5,415 |
| Total risk-based capital ratio | 11.8659% | 5,340 |
| Memoranda: | ||
| Average total assets | $133,576,250 | 3,730 |
| Average earning assets | $122,265,250 | 3,745 |
| Average equity | $12,376,250 | 4,113 |
| Average total loans | $115,561,000 | 3,143 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0015% | 560 |
| Cost of funding earning assets | 0.6939% | 922 |
| Net interest margin | 4.3076% | 840 |
| Noninterest income to average assets | 0.4379% | 3,438 |
| Noninterest expense to average assets | 2.7518% | 2,925 |
| Loan and lease loss provision to assets | 0.1368% | 1,513 |
| Net operating income to assets | 1.4945% | 875 |
| Return on assets (ROA) | 1.4945% | 897 |
| Pretax return on assets | 1.4945% | 1,662 |
| Return on Equity (ROE) | 16.1355% | 512 |
| Retained earnings to average equity (ytd only) | 3.4142% | 3,678 |
| Net charge-offs to loans | 0.0650% | 2,006 |
| Credit loss provision to net charge-offs | 243.2432% | 1,106 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,485 |
| Efficiency ratio | 62.2962% | 3,943 |
| Assets per employee ($millions) | 4.2014% | 3,615 |
| Cash dividends to net income (ytd only)* | 78.8403% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 2,070 |
| Loan loss allowance to noncurrent loans | 641.0359% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 4,290 |
| Noncurrent loans to loans | 0.2143% | 4,262 |
| Net loans and leases to total assets | 85.9111% | 280 |
| Net loans and leases to deposits | 105.4042% | 423 |
| Net loans and leases to core deposits | 108.8162% | 1,063 |
| Total domestic deposits to total assets | 81.5063% | 4,044 |
| Equity capital to assets | 9.2476% | 4,674 |
| Core capital (leverage) ratio | 9.1623% | 4,539 |
| Tier 1 risk-based capital ratio | 10.6728% | 5,391 |
| Total risk-based capital ratio | 11.9245% | 5,321 |
| Memoranda: | ||
| Average total assets | $131,550,000 | 3,783 |
| Average earning assets | $120,484,000 | 3,801 |
| Average equity | $12,184,330 | 4,159 |
| Average total loans | $113,805,000 | 3,169 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9939% | 533 |
| Cost of funding earning assets | 0.6789% | 937 |
| Net interest margin | 4.3151% | 755 |
| Noninterest income to average assets | 0.4243% | 3,491 |
| Noninterest expense to average assets | 2.8101% | 2,761 |
| Loan and lease loss provision to assets | 0.1384% | 1,375 |
| Net operating income to assets | 1.4235% | 953 |
| Return on assets (ROA) | 1.4235% | 979 |
| Pretax return on assets | 1.4235% | 1,797 |
| Return on Equity (ROE) | 15.3566% | 605 |
| Retained earnings to average equity (ytd only) | -10.3483% | 5,583 |
| Net charge-offs to loans | 0.0178% | 2,431 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 101.6000% | 524 |
| Efficiency ratio | 63.7834% | 3,871 |
| Assets per employee ($millions) | 4.2185% | 3,636 |
| Cash dividends to net income (ytd only)* | 167.3866% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 2,156 |
| Loan loss allowance to noncurrent loans | 628.3465% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 4,304 |
| Noncurrent loans to loans | 0.2199% | 4,317 |
| Net loans and leases to total assets | 84.3708% | 329 |
| Net loans and leases to deposits | 101.9669% | 501 |
| Net loans and leases to core deposits | 104.6176% | 1,186 |
| Total domestic deposits to total assets | 82.7433% | 3,933 |
| Equity capital to assets | 8.8213% | 4,979 |
| Core capital (leverage) ratio | 8.9023% | 4,840 |
| Tier 1 risk-based capital ratio | 10.5645% | 5,515 |
| Total risk-based capital ratio | 11.8168% | 5,432 |
| Memoranda: | ||
| Average total assets | $130,102,000 | 3,837 |
| Average earning assets | $119,024,500 | 3,851 |
| Average equity | $12,060,000 | 4,204 |
| Average total loans | $112,151,000 | 3,216 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9344% | 680 |
| Cost of funding earning assets | 0.6262% | 1,167 |
| Net interest margin | 4.3082% | 918 |
| Noninterest income to average assets | 0.3584% | 4,174 |
| Noninterest expense to average assets | 2.8580% | 2,821 |
| Loan and lease loss provision to assets | 0.0857% | 2,647 |
| Net operating income to assets | 1.3617% | 1,074 |
| Return on assets (ROA) | 1.3617% | 1,124 |
| Pretax return on assets | 1.3617% | 2,061 |
| Return on Equity (ROE) | 13.8959% | 792 |
| Retained earnings to average equity (ytd only) | 13.8959% | 133 |
| Net charge-offs to loans | -0.0179% | 5,094 |
| Credit loss provision to net charge-offs | -555.5556% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8235% | 3,619 |
| Assets per employee ($millions) | 4.0391% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 1,963 |
| Loan loss allowance to noncurrent loans | 642.9752% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 4,359 |
| Noncurrent loans to loans | 0.2224% | 4,356 |
| Net loans and leases to total assets | 85.6596% | 253 |
| Net loans and leases to deposits | 102.5656% | 494 |
| Net loans and leases to core deposits | 105.1364% | 1,192 |
| Total domestic deposits to total assets | 83.5169% | 3,597 |
| Equity capital to assets | 9.7530% | 4,006 |
| Core capital (leverage) ratio | 9.3494% | 4,287 |
| Tier 1 risk-based capital ratio | 11.5525% | 5,020 |
| Total risk-based capital ratio | 12.8051% | 4,926 |
| Memoranda: | ||
| Average total assets | $116,619,000 | 4,051 |
| Average earning assets | $106,842,000 | 4,062 |
| Average equity | $11,427,800 | 4,349 |
| Average total loans | $100,805,000 | 3,366 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9146% | 706 |
| Cost of funding earning assets | 0.6043% | 1,289 |
| Net interest margin | 4.3103% | 911 |
| Noninterest income to average assets | 0.4077% | 3,867 |
| Noninterest expense to average assets | 2.8408% | 2,867 |
| Loan and lease loss provision to assets | 0.1165% | 1,986 |
| Net operating income to assets | 1.3965% | 1,074 |
| Return on assets (ROA) | 1.3965% | 1,130 |
| Pretax return on assets | 1.3965% | 2,048 |
| Return on Equity (ROE) | 14.2331% | 778 |
| Retained earnings to average equity (ytd only) | 14.2331% | 159 |
| Net charge-offs to loans | -0.0837% | 5,512 |
| Credit loss provision to net charge-offs | -161.2903% | 4,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6870% | 3,821 |
| Assets per employee ($millions) | 3.9791% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 1,725 |
| Loan loss allowance to noncurrent loans | 531.5615% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 3,776 |
| Noncurrent loans to loans | 0.2843% | 4,244 |
| Net loans and leases to total assets | 84.5223% | 365 |
| Net loans and leases to deposits | 101.1762% | 628 |
| Net loans and leases to core deposits | 103.7496% | 1,361 |
| Total domestic deposits to total assets | 83.5398% | 3,380 |
| Equity capital to assets | 9.6521% | 4,509 |
| Core capital (leverage) ratio | 9.6953% | 3,942 |
| Tier 1 risk-based capital ratio | 11.2894% | 5,205 |
| Total risk-based capital ratio | 12.5428% | 5,109 |
| Memoranda: | ||
| Average total assets | $114,470,500 | 4,117 |
| Average earning assets | $104,801,250 | 4,124 |
| Average equity | $11,231,750 | 4,426 |
| Average total loans | $98,803,000 | 3,412 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8861% | 746 |
| Cost of funding earning assets | 0.5959% | 1,348 |
| Net interest margin | 4.2902% | 940 |
| Noninterest income to average assets | 0.3659% | 4,140 |
| Noninterest expense to average assets | 2.9163% | 2,627 |
| Loan and lease loss provision to assets | 0.1794% | 1,219 |
| Net operating income to assets | 1.2214% | 1,527 |
| Return on assets (ROA) | 1.2214% | 1,624 |
| Pretax return on assets | 1.2214% | 2,699 |
| Return on Equity (ROE) | 12.3739% | 1,193 |
| Retained earnings to average equity (ytd only) | 12.3739% | 282 |
| Net charge-offs to loans | -0.1306% | 5,701 |
| Credit loss provision to net charge-offs | -158.7302% | 4,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9713% | 3,544 |
| Assets per employee ($millions) | 3.9318% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 1,562 |
| Loan loss allowance to noncurrent loans | 2,389.5522% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 4,484 |
| Noncurrent loans to loans | 0.0665% | 5,186 |
| Net loans and leases to total assets | 86.9866% | 194 |
| Net loans and leases to deposits | 101.9091% | 568 |
| Net loans and leases to core deposits | 104.3131% | 1,290 |
| Total domestic deposits to total assets | 85.3571% | 2,710 |
| Equity capital to assets | 10.0008% | 4,226 |
| Core capital (leverage) ratio | 9.5068% | 4,200 |
| Tier 1 risk-based capital ratio | 11.3976% | 5,217 |
| Total risk-based capital ratio | 12.6524% | 5,109 |
| Memoranda: | ||
| Average total assets | $111,510,000 | 4,195 |
| Average earning assets | $102,699,000 | 4,207 |
| Average equity | $11,007,000 | 4,492 |
| Average total loans | $96,450,670 | 3,471 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8130% | 824 |
| Cost of funding earning assets | 0.5883% | 1,420 |
| Net interest margin | 4.2247% | 1,052 |
| Noninterest income to average assets | 0.2939% | 4,621 |
| Noninterest expense to average assets | 2.9858% | 2,434 |
| Loan and lease loss provision to assets | 0.2721% | 618 |
| Net operating income to assets | 0.9179% | 2,667 |
| Return on assets (ROA) | 0.9215% | 2,750 |
| Pretax return on assets | 0.9215% | 3,759 |
| Return on Equity (ROE) | 9.3996% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.3996% | 1,004 |
| Net charge-offs to loans | -0.0339% | 5,121 |
| Credit loss provision to net charge-offs | -937.5000% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8949% | 2,967 |
| Assets per employee ($millions) | 3.9756% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5852% | 1,652 |
| Loan loss allowance to noncurrent loans | 1,346.0177% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 4,399 |
| Noncurrent loans to loans | 0.1178% | 5,006 |
| Net loans and leases to total assets | 81.9067% | 566 |
| Net loans and leases to deposits | 96.2796% | 921 |
| Net loans and leases to core deposits | 98.5319% | 1,599 |
| Total domestic deposits to total assets | 85.0717% | 3,101 |
| Equity capital to assets | 9.5072% | 4,664 |
| Core capital (leverage) ratio | 9.5704% | 4,077 |
| Tier 1 risk-based capital ratio | 11.5380% | 5,218 |
| Total risk-based capital ratio | 12.7923% | 5,115 |
| Memoranda: | ||
| Average total assets | $110,254,500 | 4,259 |
| Average earning assets | $101,308,000 | 4,264 |
| Average equity | $10,809,000 | 4,539 |
| Average total loans | $94,284,000 | 3,530 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0274% | 592 |
| Cost of funding earning assets | 0.5578% | 1,696 |
| Net interest margin | 4.4696% | 693 |
| Noninterest income to average assets | 0.2966% | 4,760 |
| Noninterest expense to average assets | 3.0414% | 2,409 |
| Loan and lease loss provision to assets | 0.2830% | 637 |
| Net operating income to assets | 1.0617% | 2,078 |
| Return on assets (ROA) | 1.0617% | 2,158 |
| Pretax return on assets | 1.0617% | 3,220 |
| Return on Equity (ROE) | 10.0071% | 2,005 |
| Retained earnings to average equity (ytd only) | 10.0071% | 457 |
| Net charge-offs to loans | 0.0596% | 3,026 |
| Credit loss provision to net charge-offs | 551.0204% | 601 |
| Earnings coverage of net charge-offs (x) | 26.1837% | 1,597 |
| Efficiency ratio | 68.6738% | 3,454 |
| Assets per employee ($millions) | 3.6282% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 1,792 |
| Loan loss allowance to noncurrent loans | 627.9476% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 4,332 |
| Noncurrent loans to loans | 0.2473% | 4,546 |
| Net loans and leases to total assets | 86.6563% | 186 |
| Net loans and leases to deposits | 103.2968% | 478 |
| Net loans and leases to core deposits | 104.9676% | 1,170 |
| Total domestic deposits to total assets | 83.8906% | 3,523 |
| Equity capital to assets | 10.1285% | 3,831 |
| Core capital (leverage) ratio | 9.9529% | 3,574 |
| Tier 1 risk-based capital ratio | 11.7302% | 5,111 |
| Total risk-based capital ratio | 12.9848% | 5,031 |
| Memoranda: | ||
| Average total assets | $95,415,800 | 4,554 |
| Average earning assets | $87,301,200 | 4,551 |
| Average equity | $10,122,800 | 4,641 |
| Average total loans | $82,149,400 | 3,768 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0191% | 595 |
| Cost of funding earning assets | 0.5517% | 1,789 |
| Net interest margin | 4.4674% | 703 |
| Noninterest income to average assets | 0.2911% | 4,862 |
| Noninterest expense to average assets | 3.1122% | 2,191 |
| Loan and lease loss provision to assets | 0.2582% | 650 |
| Net operating income to assets | 0.9968% | 2,488 |
| Return on assets (ROA) | 0.9968% | 2,576 |
| Pretax return on assets | 0.9968% | 3,628 |
| Return on Equity (ROE) | 9.2764% | 2,432 |
| Retained earnings to average equity (ytd only) | 9.2764% | 801 |
| Net charge-offs to loans | 0.0134% | 3,706 |
| Credit loss provision to net charge-offs | 2,250.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 109.3383% | 578 |
| Efficiency ratio | 70.5747% | 3,118 |
| Assets per employee ($millions) | 3.6294% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 1,929 |
| Loan loss allowance to noncurrent loans | 586.0759% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 4,397 |
| Noncurrent loans to loans | 0.2664% | 4,625 |
| Net loans and leases to total assets | 86.1744% | 219 |
| Net loans and leases to deposits | 103.7152% | 458 |
| Net loans and leases to core deposits | 104.3629% | 1,209 |
| Total domestic deposits to total assets | 83.0875% | 3,786 |
| Equity capital to assets | 10.2241% | 3,901 |
| Core capital (leverage) ratio | 10.0127% | 3,610 |
| Tier 1 risk-based capital ratio | 11.6896% | 5,272 |
| Total risk-based capital ratio | 12.9438% | 5,191 |
| Memoranda: | ||
| Average total assets | $92,965,250 | 4,652 |
| Average earning assets | $84,820,250 | 4,667 |
| Average equity | $9,989,250 | 4,724 |
| Average total loans | $79,532,750 | 3,874 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9733% | 619 |
| Cost of funding earning assets | 0.5352% | 1,941 |
| Net interest margin | 4.4381% | 711 |
| Noninterest income to average assets | 0.2687% | 5,032 |
| Noninterest expense to average assets | 3.1772% | 2,042 |
| Loan and lease loss provision to assets | 0.2442% | 733 |
| Net operating income to assets | 0.8792% | 2,992 |
| Return on assets (ROA) | 0.8792% | 3,102 |
| Pretax return on assets | 0.8792% | 4,034 |
| Return on Equity (ROE) | 8.0360% | 3,031 |
| Retained earnings to average equity (ytd only) | 8.0360% | 1,252 |
| Net charge-offs to loans | 0.0105% | 3,546 |
| Credit loss provision to net charge-offs | 2,750.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 126.5000% | 498 |
| Efficiency ratio | 73.1544% | 2,809 |
| Assets per employee ($millions) | 3.6297% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 1,936 |
| Loan loss allowance to noncurrent loans | 2,362.5000% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 5,150 |
| Noncurrent loans to loans | 0.0674% | 5,468 |
| Net loans and leases to total assets | 86.6740% | 203 |
| Net loans and leases to deposits | 103.3221% | 483 |
| Net loans and leases to core deposits | 104.3543% | 1,167 |
| Total domestic deposits to total assets | 83.8872% | 3,618 |
| Equity capital to assets | 10.6716% | 3,249 |
| Core capital (leverage) ratio | 10.4000% | 3,085 |
| Tier 1 risk-based capital ratio | 11.9365% | 5,188 |
| Total risk-based capital ratio | 13.1903% | 5,089 |
| Memoranda: | ||
| Average total assets | $90,079,330 | 4,765 |
| Average earning assets | $81,836,330 | 4,784 |
| Average equity | $9,855,670 | 4,773 |
| Average total loans | $76,389,670 | 3,991 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 693 |
| Cost of funding earning assets | 0.5184% | 2,123 |
| Net interest margin | 4.3858% | 757 |
| Noninterest income to average assets | 0.2593% | 5,104 |
| Noninterest expense to average assets | 3.2161% | 1,939 |
| Loan and lease loss provision to assets | 0.2274% | 767 |
| Net operating income to assets | 0.7415% | 3,589 |
| Return on assets (ROA) | 0.7415% | 3,716 |
| Pretax return on assets | 0.7415% | 4,462 |
| Return on Equity (ROE) | 6.6886% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.6886% | 2,153 |
| Net charge-offs to loans | -0.0164% | 4,953 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0870% | 2,502 |
| Assets per employee ($millions) | 3.6776% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 1,885 |
| Loan loss allowance to noncurrent loans | 1,839.1304% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 5,159 |
| Noncurrent loans to loans | 0.0897% | 5,424 |
| Net loans and leases to total assets | 82.2980% | 430 |
| Net loans and leases to deposits | 98.3761% | 652 |
| Net loans and leases to core deposits | 99.3866% | 1,366 |
| Total domestic deposits to total assets | 83.6566% | 3,953 |
| Equity capital to assets | 10.7169% | 3,303 |
| Core capital (leverage) ratio | 10.7364% | 2,707 |
| Tier 1 risk-based capital ratio | 12.2870% | 5,051 |
| Total risk-based capital ratio | 13.5420% | 4,964 |
| Memoranda: | ||
| Average total assets | $87,933,000 | 4,863 |
| Average earning assets | $78,709,000 | 4,898 |
| Average equity | $9,748,000 | 4,835 |
| Average total loans | $73,025,000 | 4,103 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7531% | 1,201 |
| Cost of funding earning assets | 0.5431% | 2,263 |
| Net interest margin | 4.2100% | 1,268 |
| Noninterest income to average assets | 0.3845% | 4,299 |
| Noninterest expense to average assets | 3.3243% | 1,867 |
| Loan and lease loss provision to assets | 0.2158% | 1,155 |
| Net operating income to assets | 0.6460% | 4,163 |
| Return on assets (ROA) | 0.6578% | 4,202 |
| Pretax return on assets | 0.6578% | 4,765 |
| Return on Equity (ROE) | 5.4021% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.4021% | 2,326 |
| Net charge-offs to loans | 0.3499% | 1,255 |
| Credit loss provision to net charge-offs | 77.1028% | 2,923 |
| Earnings coverage of net charge-offs (x) | 3.0794% | 3,980 |
| Efficiency ratio | 78.5380% | 2,126 |
| Assets per employee ($millions) | 3.2280% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 1,627 |
| Loan loss allowance to noncurrent loans | 1,308.6022% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 5,085 |
| Noncurrent loans to loans | 0.1346% | 5,357 |
| Net loans and leases to total assets | 80.9036% | 634 |
| Net loans and leases to deposits | 94.2323% | 1,057 |
| Net loans and leases to core deposits | 94.9199% | 1,823 |
| Total domestic deposits to total assets | 85.8556% | 2,919 |
| Equity capital to assets | 11.4897% | 2,436 |
| Core capital (leverage) ratio | 11.3177% | 2,115 |
| Tier 1 risk-based capital ratio | 13.7667% | 4,256 |
| Total risk-based capital ratio | 15.0237% | 4,189 |
| Memoranda: | ||
| Average total assets | $76,467,600 | 5,140 |
| Average earning assets | $69,049,200 | 5,147 |
| Average equity | $9,311,200 | 4,898 |
| Average total loans | $61,155,200 | 4,456 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 1,333 |
| Cost of funding earning assets | 0.5473% | 2,313 |
| Net interest margin | 4.1425% | 1,456 |
| Noninterest income to average assets | 0.3968% | 4,269 |
| Noninterest expense to average assets | 3.3724% | 1,736 |
| Loan and lease loss provision to assets | 0.2145% | 1,070 |
| Net operating income to assets | 0.5701% | 4,593 |
| Return on assets (ROA) | 0.5862% | 4,590 |
| Pretax return on assets | 0.5862% | 5,064 |
| Return on Equity (ROE) | 4.7389% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.7389% | 3,251 |
| Net charge-offs to loans | 0.4778% | 826 |
| Credit loss provision to net charge-offs | 56.6038% | 3,001 |
| Earnings coverage of net charge-offs (x) | 2.0708% | 3,996 |
| Efficiency ratio | 80.2236% | 1,877 |
| Assets per employee ($millions) | 3.1291% | 5,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8025% | 1,687 |
| Loan loss allowance to noncurrent loans | 357.6220% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 4,249 |
| Noncurrent loans to loans | 0.5040% | 4,419 |
| Net loans and leases to total assets | 81.6892% | 542 |
| Net loans and leases to deposits | 96.0702% | 874 |
| Net loans and leases to core deposits | 96.8286% | 1,606 |
| Total domestic deposits to total assets | 85.0307% | 3,327 |
| Equity capital to assets | 12.0674% | 2,001 |
| Core capital (leverage) ratio | 11.8303% | 1,810 |
| Tier 1 risk-based capital ratio | 14.3623% | 3,975 |
| Total risk-based capital ratio | 15.6204% | 3,904 |
| Memoranda: | ||
| Average total assets | $74,602,750 | 5,241 |
| Average earning assets | $67,719,250 | 5,234 |
| Average equity | $9,228,250 | 4,954 |
| Average total loans | $59,164,750 | 4,553 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 1,435 |
| Cost of funding earning assets | 0.5580% | 2,281 |
| Net interest margin | 4.0773% | 1,583 |
| Noninterest income to average assets | 0.4305% | 4,023 |
| Noninterest expense to average assets | 3.3708% | 1,751 |
| Loan and lease loss provision to assets | 0.2044% | 1,172 |
| Net operating income to assets | 0.5586% | 4,551 |
| Return on assets (ROA) | 0.5831% | 4,534 |
| Pretax return on assets | 0.5831% | 5,008 |
| Return on Equity (ROE) | 4.6737% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.6737% | 3,168 |
| Net charge-offs to loans | 0.6224% | 631 |
| Credit loss provision to net charge-offs | 42.1348% | 2,897 |
| Earnings coverage of net charge-offs (x) | 1.5730% | 3,767 |
| Efficiency ratio | 81.5425% | 1,803 |
| Assets per employee ($millions) | 2.9845% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 1,578 |
| Loan loss allowance to noncurrent loans | 354.2683% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 4,264 |
| Noncurrent loans to loans | 0.5377% | 4,397 |
| Net loans and leases to total assets | 80.1978% | 665 |
| Net loans and leases to deposits | 94.9192% | 888 |
| Net loans and leases to core deposits | 95.7515% | 1,626 |
| Total domestic deposits to total assets | 84.4906% | 3,729 |
| Equity capital to assets | 12.5085% | 1,636 |
| Core capital (leverage) ratio | 12.0249% | 1,636 |
| Tier 1 risk-based capital ratio | 15.0083% | 3,639 |
| Total risk-based capital ratio | 16.2664% | 3,576 |
| Memoranda: | ||
| Average total assets | $73,394,670 | 5,302 |
| Average earning assets | $66,662,000 | 5,305 |
| Average equity | $9,157,670 | 4,995 |
| Average total loans | $57,194,330 | 4,651 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5929% | 1,524 |
| Cost of funding earning assets | 0.5885% | 2,083 |
| Net interest margin | 4.0044% | 1,744 |
| Noninterest income to average assets | 0.4946% | 3,455 |
| Noninterest expense to average assets | 3.4622% | 1,567 |
| Loan and lease loss provision to assets | 0.1649% | 1,474 |
| Net operating income to assets | 0.4946% | 4,716 |
| Return on assets (ROA) | 0.4946% | 4,797 |
| Pretax return on assets | 0.4946% | 5,187 |
| Return on Equity (ROE) | 3.9691% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.9691% | 3,731 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0000% | 1,672 |
| Assets per employee ($millions) | 2.8598% | 6,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2946% | 1,038 |
| Loan loss allowance to noncurrent loans | 341.6887% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 4,147 |
| Noncurrent loans to loans | 0.6715% | 4,182 |
| Net loans and leases to total assets | 74.1608% | 1,241 |
| Net loans and leases to deposits | 85.5195% | 1,657 |
| Net loans and leases to core deposits | 86.9530% | 2,200 |
| Total domestic deposits to total assets | 86.7180% | 2,983 |
| Equity capital to assets | 12.3191% | 1,677 |
| Core capital (leverage) ratio | 12.0874% | 1,604 |
| Tier 1 risk-based capital ratio | 15.4747% | 3,448 |
| Total risk-based capital ratio | 16.7383% | 3,404 |
| Memoranda: | ||
| Average total assets | $72,785,500 | 5,372 |
| Average earning assets | $65,927,500 | 5,377 |
| Average equity | $9,070,000 | 5,031 |
| Average total loans | $55,291,500 | 4,750 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7213% | 1,512 |
| Cost of funding earning assets | 0.6596% | 2,131 |
| Net interest margin | 4.0617% | 1,760 |
| Noninterest income to average assets | 0.3531% | 4,784 |
| Noninterest expense to average assets | 3.2860% | 2,178 |
| Loan and lease loss provision to assets | 0.1541% | 2,349 |
| Net operating income to assets | 0.5717% | 4,405 |
| Return on assets (ROA) | 0.5479% | 4,644 |
| Pretax return on assets | 0.5479% | 5,054 |
| Return on Equity (ROE) | 4.3781% | 4,946 |
| Retained earnings to average equity (ytd only) | 4.3781% | 3,061 |
| Net charge-offs to loans | 0.1990% | 2,878 |
| Credit loss provision to net charge-offs | 104.7619% | 2,308 |
| Earnings coverage of net charge-offs (x) | 4.9333% | 3,419 |
| Efficiency ratio | 81.9071% | 1,889 |
| Assets per employee ($millions) | 2.7390% | 6,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3363% | 1,001 |
| Loan loss allowance to noncurrent loans | 439.2361% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 4,419 |
| Noncurrent loans to loans | 0.5319% | 4,662 |
| Net loans and leases to total assets | 74.2540% | 1,305 |
| Net loans and leases to deposits | 85.9809% | 1,690 |
| Net loans and leases to core deposits | 87.4874% | 2,294 |
| Total domestic deposits to total assets | 86.3610% | 3,072 |
| Equity capital to assets | 12.6097% | 1,460 |
| Core capital (leverage) ratio | 11.9869% | 1,618 |
| Tier 1 risk-based capital ratio | 15.9527% | 3,114 |
| Total risk-based capital ratio | 17.2164% | 3,069 |
| Memoranda: | ||
| Average total assets | $71,364,200 | 5,433 |
| Average earning assets | $64,283,400 | 5,455 |
| Average equity | $8,930,800 | 5,100 |
| Average total loans | $52,753,000 | 4,857 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7411% | 1,493 |
| Cost of funding earning assets | 0.6740% | 2,146 |
| Net interest margin | 4.0671% | 1,737 |
| Noninterest income to average assets | 0.3548% | 4,858 |
| Noninterest expense to average assets | 3.1315% | 2,561 |
| Loan and lease loss provision to assets | 0.1494% | 2,400 |
| Net operating income to assets | 0.7133% | 3,795 |
| Return on assets (ROA) | 0.6816% | 4,086 |
| Pretax return on assets | 0.6816% | 4,743 |
| Return on Equity (ROE) | 5.4566% | 4,488 |
| Retained earnings to average equity (ytd only) | 5.4566% | 2,752 |
| Net charge-offs to loans | 0.1018% | 3,522 |
| Credit loss provision to net charge-offs | 200.0000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 11.5503% | 2,230 |
| Efficiency ratio | 78.4011% | 2,358 |
| Assets per employee ($millions) | 2.9263% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3266% | 1,144 |
| Loan loss allowance to noncurrent loans | 397.5535% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7955% | 4,112 |
| Noncurrent loans to loans | 0.5852% | 4,738 |
| Net loans and leases to total assets | 74.5988% | 1,191 |
| Net loans and leases to deposits | 93.4423% | 867 |
| Net loans and leases to core deposits | 94.6842% | 1,505 |
| Total domestic deposits to total assets | 79.8341% | 5,549 |
| Equity capital to assets | 12.2666% | 1,737 |
| Core capital (leverage) ratio | 12.1329% | 1,596 |
| Tier 1 risk-based capital ratio | 15.3401% | 3,542 |
| Total risk-based capital ratio | 16.6028% | 3,491 |
| Memoranda: | ||
| Average total assets | $71,401,500 | 5,491 |
| Average earning assets | $63,893,000 | 5,528 |
| Average equity | $8,918,500 | 5,156 |
| Average total loans | $52,405,000 | 4,906 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 1,615 |
| Cost of funding earning assets | 0.6791% | 2,229 |
| Net interest margin | 4.0049% | 1,840 |
| Noninterest income to average assets | 0.3220% | 5,137 |
| Noninterest expense to average assets | 2.9824% | 3,055 |
| Loan and lease loss provision to assets | 0.1412% | 2,565 |
| Net operating income to assets | 0.7795% | 3,408 |
| Return on assets (ROA) | 0.7315% | 3,822 |
| Pretax return on assets | 0.7315% | 4,569 |
| Return on Equity (ROE) | 5.8202% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.8202% | 2,541 |
| Net charge-offs to loans | 0.1561% | 2,851 |
| Credit loss provision to net charge-offs | 125.0000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 8.1500% | 2,449 |
| Efficiency ratio | 76.4110% | 2,724 |
| Assets per employee ($millions) | 3.5287% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3660% | 1,143 |
| Loan loss allowance to noncurrent loans | 79.6238% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 2.3423% | 1,834 |
| Noncurrent loans to loans | 2.9715% | 1,503 |
| Net loans and leases to total assets | 74.2579% | 1,210 |
| Net loans and leases to deposits | 91.9936% | 963 |
| Net loans and leases to core deposits | 93.7646% | 1,540 |
| Total domestic deposits to total assets | 80.7207% | 5,419 |
| Equity capital to assets | 12.5714% | 1,534 |
| Core capital (leverage) ratio | 12.3041% | 1,452 |
| Tier 1 risk-based capital ratio | 15.6797% | 3,375 |
| Total risk-based capital ratio | 16.9430% | 3,316 |
| Memoranda: | ||
| Average total assets | $70,816,000 | 5,544 |
| Average earning assets | $63,322,000 | 5,587 |
| Average equity | $8,900,000 | 5,195 |
| Average total loans | $51,248,330 | 4,974 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7337% | 1,449 |
| Cost of funding earning assets | 0.7062% | 2,154 |
| Net interest margin | 4.0275% | 1,686 |
| Noninterest income to average assets | 0.3496% | 4,884 |
| Noninterest expense to average assets | 2.8532% | 3,528 |
| Loan and lease loss provision to assets | 0.1128% | 2,821 |
| Net operating income to assets | 0.9530% | 2,428 |
| Return on assets (ROA) | 0.9530% | 2,567 |
| Pretax return on assets | 0.9530% | 3,551 |
| Return on Equity (ROE) | 7.5836% | 3,172 |
| Retained earnings to average equity (ytd only) | 7.5836% | 1,905 |
| Net charge-offs to loans | 0.3198% | 1,686 |
| Credit loss provision to net charge-offs | 50.0000% | 2,595 |
| Earnings coverage of net charge-offs (x) | 4.7250% | 2,490 |
| Efficiency ratio | 72.8058% | 3,469 |
| Assets per employee ($millions) | 3.7870% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5115% | 1,102 |
| Loan loss allowance to noncurrent loans | 620.0000% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 5,736 |
| Noncurrent loans to loans | 0.4051% | 5,409 |
| Net loans and leases to total assets | 66.8937% | 2,215 |
| Net loans and leases to deposits | 79.8593% | 2,095 |
| Net loans and leases to core deposits | 80.6258% | 2,733 |
| Total domestic deposits to total assets | 83.7644% | 4,569 |
| Equity capital to assets | 12.4845% | 1,723 |
| Core capital (leverage) ratio | 12.0049% | 1,561 |
| Tier 1 risk-based capital ratio | 16.1946% | 3,161 |
| Total risk-based capital ratio | 17.4587% | 3,099 |
| Memoranda: | ||
| Average total assets | $70,937,500 | 5,598 |
| Average earning assets | $62,868,000 | 5,645 |
| Average equity | $8,914,000 | 5,239 |
| Average total loans | $50,034,500 | 5,059 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9028% | 1,829 |
| Cost of funding earning assets | 0.8264% | 2,451 |
| Net interest margin | 4.0765% | 2,098 |
| Noninterest income to average assets | 0.3262% | 5,125 |
| Noninterest expense to average assets | 2.8521% | 3,838 |
| Loan and lease loss provision to assets | 0.2095% | 3,049 |
| Net operating income to assets | 0.9038% | 2,797 |
| Return on assets (ROA) | 0.9053% | 3,028 |
| Pretax return on assets | 0.9053% | 3,896 |
| Return on Equity (ROE) | 7.0856% | 3,595 |
| Retained earnings to average equity (ytd only) | 7.0856% | 1,530 |
| Net charge-offs to loans | -0.0270% | 6,600 |
| Credit loss provision to net charge-offs | -1,076.9231% | 6,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9245% | 3,425 |
| Assets per employee ($millions) | 3.6801% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4854% | 1,143 |
| Loan loss allowance to noncurrent loans | 580.6452% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.3103% | 5,741 |
| Noncurrent loans to loans | 0.4280% | 5,424 |
| Net loans and leases to total assets | 70.7031% | 1,705 |
| Net loans and leases to deposits | 86.2158% | 1,489 |
| Net loans and leases to core deposits | 87.0845% | 2,182 |
| Total domestic deposits to total assets | 82.0071% | 5,093 |
| Equity capital to assets | 12.6498% | 1,613 |
| Core capital (leverage) ratio | 12.3707% | 1,372 |
| Tier 1 risk-based capital ratio | 16.0412% | 3,142 |
| Total risk-based capital ratio | 17.2694% | 3,106 |
| Memoranda: | ||
| Average total assets | $66,829,000 | 5,718 |
| Average earning assets | $59,659,200 | 5,755 |
| Average equity | $8,538,400 | 5,354 |
| Average total loans | $48,192,400 | 5,170 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9527% | 1,820 |
| Cost of funding earning assets | 0.8503% | 2,534 |
| Net interest margin | 4.1024% | 2,077 |
| Noninterest income to average assets | 0.3189% | 5,236 |
| Noninterest expense to average assets | 2.8500% | 3,798 |
| Loan and lease loss provision to assets | 0.2220% | 2,841 |
| Net operating income to assets | 0.9083% | 2,941 |
| Return on assets (ROA) | 0.9103% | 3,165 |
| Pretax return on assets | 0.9103% | 4,064 |
| Return on Equity (ROE) | 7.1063% | 3,747 |
| Retained earnings to average equity (ytd only) | 7.1063% | 2,058 |
| Net charge-offs to loans | -0.0448% | 6,678 |
| Credit loss provision to net charge-offs | -687.5000% | 6,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6024% | 3,400 |
| Assets per employee ($millions) | 3.5629% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6325% | 1,050 |
| Loan loss allowance to noncurrent loans | 543.1718% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 5,855 |
| Noncurrent loans to loans | 0.4846% | 5,481 |
| Net loans and leases to total assets | 67.3683% | 2,389 |
| Net loans and leases to deposits | 78.3282% | 2,617 |
| Net loans and leases to core deposits | 79.1053% | 3,310 |
| Total domestic deposits to total assets | 86.0078% | 3,257 |
| Equity capital to assets | 12.8680% | 1,667 |
| Core capital (leverage) ratio | 12.2808% | 1,504 |
| Tier 1 risk-based capital ratio | 13.9010% | 4,610 |
| Total risk-based capital ratio | 15.1623% | 4,558 |
| Memoranda: | ||
| Average total assets | $66,055,750 | 5,810 |
| Average earning assets | $58,955,750 | 5,844 |
| Average equity | $8,461,750 | 5,421 |
| Average total loans | $47,566,250 | 5,250 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9526% | 1,922 |
| Cost of funding earning assets | 0.8714% | 2,650 |
| Net interest margin | 4.0812% | 2,162 |
| Noninterest income to average assets | 0.2900% | 5,485 |
| Noninterest expense to average assets | 2.8027% | 4,013 |
| Loan and lease loss provision to assets | 0.2442% | 2,622 |
| Net operating income to assets | 0.9037% | 2,894 |
| Return on assets (ROA) | 0.9067% | 3,151 |
| Pretax return on assets | 0.9067% | 4,050 |
| Return on Equity (ROE) | 7.0894% | 3,730 |
| Retained earnings to average equity (ytd only) | 7.0894% | 2,050 |
| Net charge-offs to loans | -0.0544% | 6,685 |
| Credit loss provision to net charge-offs | -615.3846% | 6,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9428% | 3,607 |
| Assets per employee ($millions) | 3.6721% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5214% | 1,253 |
| Loan loss allowance to noncurrent loans | 550.4587% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.3298% | 5,932 |
| Noncurrent loans to loans | 0.4581% | 5,618 |
| Net loans and leases to total assets | 70.1893% | 1,885 |
| Net loans and leases to deposits | 81.6563% | 2,160 |
| Net loans and leases to core deposits | 82.5175% | 2,897 |
| Total domestic deposits to total assets | 85.9570% | 3,375 |
| Equity capital to assets | 12.9249% | 1,554 |
| Core capital (leverage) ratio | 12.1011% | 1,551 |
| Tier 1 risk-based capital ratio | 14.2831% | 4,250 |
| Total risk-based capital ratio | 15.5151% | 4,220 |
| Memoranda: | ||
| Average total assets | $65,509,330 | 5,862 |
| Average earning assets | $58,757,000 | 5,883 |
| Average equity | $8,378,670 | 5,450 |
| Average total loans | $47,809,000 | 5,273 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9427% | 2,080 |
| Cost of funding earning assets | 0.8906% | 2,761 |
| Net interest margin | 4.0520% | 2,295 |
| Noninterest income to average assets | 0.2883% | 5,568 |
| Noninterest expense to average assets | 2.7478% | 4,249 |
| Loan and lease loss provision to assets | 0.3067% | 2,053 |
| Net operating income to assets | 0.8894% | 2,969 |
| Return on assets (ROA) | 0.8955% | 3,159 |
| Pretax return on assets | 0.8955% | 4,043 |
| Return on Equity (ROE) | 7.0391% | 3,762 |
| Retained earnings to average equity (ytd only) | 7.0391% | 2,416 |
| Net charge-offs to loans | -0.0751% | 6,694 |
| Credit loss provision to net charge-offs | -555.5556% | 5,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6734% | 3,872 |
| Assets per employee ($millions) | 4.0813% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4125% | 1,483 |
| Loan loss allowance to noncurrent loans | 498.2906% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 5,838 |
| Noncurrent loans to loans | 0.4842% | 5,703 |
| Net loans and leases to total assets | 72.2297% | 1,362 |
| Net loans and leases to deposits | 83.8730% | 1,679 |
| Net loans and leases to core deposits | 84.7669% | 2,440 |
| Total domestic deposits to total assets | 86.1179% | 3,462 |
| Equity capital to assets | 12.7887% | 1,551 |
| Core capital (leverage) ratio | 11.9764% | 1,603 |
| Tier 1 risk-based capital ratio | 14.1747% | 4,336 |
| Total risk-based capital ratio | 15.4350% | 4,306 |
| Memoranda: | ||
| Average total assets | $65,215,500 | 5,910 |
| Average earning assets | $58,834,500 | 5,912 |
| Average equity | $8,296,500 | 5,500 |
| Average total loans | $47,917,000 | 5,303 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0978% | 2,463 |
| Cost of funding earning assets | 1.0710% | 2,875 |
| Net interest margin | 4.0267% | 2,749 |
| Noninterest income to average assets | 0.2246% | 5,926 |
| Noninterest expense to average assets | 2.7027% | 4,736 |
| Loan and lease loss provision to assets | 0.5654% | 1,842 |
| Net operating income to assets | 0.5945% | 4,030 |
| Return on assets (ROA) | 0.6300% | 4,033 |
| Pretax return on assets | 0.6300% | 4,596 |
| Return on Equity (ROE) | 4.8895% | 4,446 |
| Retained earnings to average equity (ytd only) | 4.8895% | 2,723 |
| Net charge-offs to loans | 0.0481% | 5,826 |
| Credit loss provision to net charge-offs | 1,590.9091% | 139 |
| Earnings coverage of net charge-offs (x) | 32.6364% | 787 |
| Efficiency ratio | 69.9707% | 3,967 |
| Assets per employee ($millions) | 4.0707% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3304% | 1,576 |
| Loan loss allowance to noncurrent loans | 312.7119% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5942% | 5,478 |
| Noncurrent loans to loans | 0.7452% | 5,210 |
| Net loans and leases to total assets | 71.2334% | 1,783 |
| Net loans and leases to deposits | 82.6460% | 2,115 |
| Net loans and leases to core deposits | 85.6882% | 2,671 |
| Total domestic deposits to total assets | 86.1909% | 3,204 |
| Equity capital to assets | 12.6545% | 1,694 |
| Core capital (leverage) ratio | 12.0517% | 1,562 |
| Tier 1 risk-based capital ratio | 14.4306% | 4,021 |
| Total risk-based capital ratio | 15.6919% | 3,986 |
| Memoranda: | ||
| Average total assets | $61,900,800 | 5,982 |
| Average earning assets | $55,926,600 | 5,988 |
| Average equity | $7,976,200 | 5,575 |
| Average total loans | $45,716,800 | 5,436 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0900% | 2,648 |
| Cost of funding earning assets | 1.1145% | 2,887 |
| Net interest margin | 3.9755% | 3,024 |
| Noninterest income to average assets | 0.2226% | 6,026 |
| Noninterest expense to average assets | 2.7651% | 4,479 |
| Loan and lease loss provision to assets | 0.5674% | 1,727 |
| Net operating income to assets | 0.4867% | 4,596 |
| Return on assets (ROA) | 0.5216% | 4,636 |
| Pretax return on assets | 0.5216% | 5,080 |
| Return on Equity (ROE) | 4.0287% | 4,979 |
| Retained earnings to average equity (ytd only) | 4.0287% | 3,852 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4000% | 3,475 |
| Assets per employee ($millions) | 4.0220% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2222% | 1,817 |
| Loan loss allowance to noncurrent loans | 232.4385% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.6946% | 5,408 |
| Noncurrent loans to loans | 0.9560% | 4,972 |
| Net loans and leases to total assets | 71.0405% | 1,894 |
| Net loans and leases to deposits | 82.4276% | 2,276 |
| Net loans and leases to core deposits | 85.5000% | 2,846 |
| Total domestic deposits to total assets | 86.1854% | 3,101 |
| Equity capital to assets | 12.6010% | 1,849 |
| Core capital (leverage) ratio | 11.8743% | 1,777 |
| Tier 1 risk-based capital ratio | 14.8789% | 3,735 |
| Total risk-based capital ratio | 16.1390% | 3,699 |
| Memoranda: | ||
| Average total assets | $61,093,250 | 6,054 |
| Average earning assets | $55,270,750 | 6,057 |
| Average equity | $7,909,750 | 5,628 |
| Average total loans | $45,270,500 | 5,500 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1048% | 2,658 |
| Cost of funding earning assets | 1.1426% | 2,948 |
| Net interest margin | 3.9622% | 3,025 |
| Noninterest income to average assets | 0.2000% | 6,236 |
| Noninterest expense to average assets | 2.7897% | 4,467 |
| Loan and lease loss provision to assets | 0.5666% | 1,708 |
| Net operating income to assets | 0.4266% | 4,827 |
| Return on assets (ROA) | 0.4333% | 4,943 |
| Pretax return on assets | 0.4333% | 5,285 |
| Return on Equity (ROE) | 3.3149% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.3149% | 4,147 |
| Net charge-offs to loans | -0.0491% | 7,025 |
| Credit loss provision to net charge-offs | -1,545.4545% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7445% | 3,406 |
| Assets per employee ($millions) | 3.8881% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1121% | 2,100 |
| Loan loss allowance to noncurrent loans | 228.0285% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.6767% | 5,548 |
| Noncurrent loans to loans | 0.9262% | 5,116 |
| Net loans and leases to total assets | 71.5207% | 1,880 |
| Net loans and leases to deposits | 84.3325% | 2,057 |
| Net loans and leases to core deposits | 86.6246% | 2,804 |
| Total domestic deposits to total assets | 84.8079% | 3,965 |
| Equity capital to assets | 12.8597% | 1,593 |
| Core capital (leverage) ratio | 12.3584% | 1,421 |
| Tier 1 risk-based capital ratio | 14.8345% | 3,592 |
| Total risk-based capital ratio | 16.0906% | 3,555 |
| Memoranda: | ||
| Average total assets | $60,007,000 | 6,138 |
| Average earning assets | $54,262,670 | 6,139 |
| Average equity | $7,843,330 | 5,662 |
| Average total loans | $44,775,670 | 5,575 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0985% | 2,658 |
| Cost of funding earning assets | 1.1571% | 3,105 |
| Net interest margin | 3.9414% | 2,947 |
| Noninterest income to average assets | 0.1969% | 6,313 |
| Noninterest expense to average assets | 2.8860% | 4,125 |
| Loan and lease loss provision to assets | 0.5432% | 1,595 |
| Net operating income to assets | 0.3531% | 5,160 |
| Return on assets (ROA) | 0.3531% | 5,240 |
| Pretax return on assets | 0.3531% | 5,494 |
| Return on Equity (ROE) | 2.6787% | 5,528 |
| Retained earnings to average equity (ytd only) | 2.6787% | 4,557 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3016% | 3,109 |
| Assets per employee ($millions) | 3.8255% | 4,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9138% | 2,644 |
| Loan loss allowance to noncurrent loans | 263.4969% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.5326% | 5,901 |
| Noncurrent loans to loans | 0.7263% | 5,556 |
| Net loans and leases to total assets | 71.9285% | 1,736 |
| Net loans and leases to deposits | 84.7420% | 1,919 |
| Net loans and leases to core deposits | 86.7559% | 2,765 |
| Total domestic deposits to total assets | 84.8794% | 4,092 |
| Equity capital to assets | 12.7108% | 1,516 |
| Core capital (leverage) ratio | 12.4808% | 1,330 |
| Tier 1 risk-based capital ratio | 14.9828% | 3,433 |
| Total risk-based capital ratio | 16.2395% | 3,393 |
| Memoranda: | ||
| Average total assets | $58,905,500 | 6,225 |
| Average earning assets | $53,584,500 | 6,213 |
| Average equity | $7,765,000 | 5,690 |
| Average total loans | $44,437,000 | 5,634 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 4,302 |
| Cost of funding earning assets | 1.3905% | 3,335 |
| Net interest margin | 3.6638% | 4,517 |
| Noninterest income to average assets | 0.3087% | 5,593 |
| Noninterest expense to average assets | 2.9875% | 3,897 |
| Loan and lease loss provision to assets | 0.6101% | 2,694 |
| Net operating income to assets | 0.0185% | 5,778 |
| Return on assets (ROA) | 0.0148% | 5,927 |
| Pretax return on assets | 0.0148% | 5,868 |
| Return on Equity (ROE) | 0.1044% | 5,939 |
| Retained earnings to average equity (ytd only) | 0.1044% | 5,532 |
| Net charge-offs to loans | 0.1538% | 5,427 |
| Credit loss provision to net charge-offs | 550.0000% | 409 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,565 |
| Efficiency ratio | 82.6176% | 2,090 |
| Assets per employee ($millions) | 3.5377% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7709% | 2,955 |
| Loan loss allowance to noncurrent loans | 271.4286% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 5,967 |
| Noncurrent loans to loans | 0.6524% | 5,753 |
| Net loans and leases to total assets | 76.3387% | 1,214 |
| Net loans and leases to deposits | 91.1988% | 1,370 |
| Net loans and leases to core deposits | 93.5626% | 2,315 |
| Total domestic deposits to total assets | 83.7058% | 4,503 |
| Equity capital to assets | 13.6919% | 1,130 |
| Core capital (leverage) ratio | 13.0749% | 1,103 |
| Tier 1 risk-based capital ratio | 15.5901% | 2,957 |
| Total risk-based capital ratio | 16.8455% | 2,916 |
| Memoranda: | ||
| Average total assets | $54,092,600 | 6,399 |
| Average earning assets | $48,829,600 | 6,411 |
| Average equity | $7,665,600 | 5,820 |
| Average total loans | $39,005,600 | 5,965 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0023% | 4,803 |
| Cost of funding earning assets | 1.4375% | 3,350 |
| Net interest margin | 3.5648% | 5,040 |
| Noninterest income to average assets | 0.3192% | 5,599 |
| Noninterest expense to average assets | 3.0723% | 3,459 |
| Loan and lease loss provision to assets | 0.5985% | 2,552 |
| Net operating income to assets | -0.1421% | 6,233 |
| Return on assets (ROA) | -0.1471% | 6,326 |
| Pretax return on assets | -0.1471% | 6,266 |
| Return on Equity (ROE) | -1.0290% | 6,281 |
| Retained earnings to average equity (ytd only) | -1.0290% | 6,020 |
| Net charge-offs to loans | 0.0459% | 6,075 |
| Credit loss provision to net charge-offs | 1,846.1538% | 167 |
| Earnings coverage of net charge-offs (x) | 14.0791% | 1,540 |
| Efficiency ratio | 87.0671% | 1,524 |
| Assets per employee ($millions) | 3.3891% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8312% | 2,687 |
| Loan loss allowance to noncurrent loans | 213.9535% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6620% | 5,799 |
| Noncurrent loans to loans | 0.8559% | 5,511 |
| Net loans and leases to total assets | 72.7640% | 2,062 |
| Net loans and leases to deposits | 87.8775% | 2,026 |
| Net loans and leases to core deposits | 90.2844% | 3,058 |
| Total domestic deposits to total assets | 82.8016% | 4,677 |
| Equity capital to assets | 14.4008% | 1,050 |
| Core capital (leverage) ratio | 13.2924% | 1,121 |
| Tier 1 risk-based capital ratio | 16.2850% | 2,641 |
| Total risk-based capital ratio | 17.5412% | 2,595 |
| Memoranda: | ||
| Average total assets | $53,465,000 | 6,494 |
| Average earning assets | $48,136,750 | 6,503 |
| Average equity | $7,644,500 | 5,900 |
| Average total loans | $37,759,750 | 6,109 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 5,481 |
| Cost of funding earning assets | 1.4917% | 3,299 |
| Net interest margin | 3.3899% | 5,679 |
| Noninterest income to average assets | 0.3608% | 5,265 |
| Noninterest expense to average assets | 3.0896% | 3,363 |
| Loan and lease loss provision to assets | 0.5638% | 2,517 |
| Net operating income to assets | -0.2518% | 6,412 |
| Return on assets (ROA) | -0.2593% | 6,468 |
| Pretax return on assets | -0.2593% | 6,382 |
| Return on Equity (ROE) | -1.8183% | 6,405 |
| Retained earnings to average equity (ytd only) | -1.8183% | 6,115 |
| Net charge-offs to loans | 0.0108% | 6,198 |
| Credit loss provision to net charge-offs | 7,500.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 707 |
| Efficiency ratio | 90.8287% | 1,271 |
| Assets per employee ($millions) | 3.3571% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7079% | 3,042 |
| Loan loss allowance to noncurrent loans | 168.8946% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.7242% | 5,686 |
| Noncurrent loans to loans | 1.0112% | 5,291 |
| Net loans and leases to total assets | 70.3945% | 2,816 |
| Net loans and leases to deposits | 85.1637% | 2,670 |
| Net loans and leases to core deposits | 88.0390% | 3,541 |
| Total domestic deposits to total assets | 82.6578% | 4,710 |
| Equity capital to assets | 14.5421% | 1,001 |
| Core capital (leverage) ratio | 13.1635% | 1,152 |
| Tier 1 risk-based capital ratio | 16.7308% | 2,390 |
| Total risk-based capital ratio | 17.9842% | 2,334 |
| Memoranda: | ||
| Average total assets | $53,211,330 | 6,542 |
| Average earning assets | $47,730,000 | 6,559 |
| Average equity | $7,589,670 | 5,929 |
| Average total loans | $36,948,670 | 6,196 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 5,781 |
| Cost of funding earning assets | 1.5276% | 3,387 |
| Net interest margin | 3.2987% | 5,976 |
| Noninterest income to average assets | 0.3474% | 5,361 |
| Noninterest expense to average assets | 3.1042% | 3,252 |
| Loan and lease loss provision to assets | 0.4532% | 2,700 |
| Net operating income to assets | -0.2417% | 6,595 |
| Return on assets (ROA) | -0.2568% | 6,674 |
| Pretax return on assets | -0.2568% | 6,602 |
| Return on Equity (ROE) | -1.8184% | 6,621 |
| Retained earnings to average equity (ytd only) | -1.8184% | 6,185 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6219% | 1,157 |
| Assets per employee ($millions) | 3.3603% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 3,546 |
| Loan loss allowance to noncurrent loans | 278.4314% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 6,522 |
| Noncurrent loans to loans | 0.5662% | 6,168 |
| Net loans and leases to total assets | 65.9549% | 3,858 |
| Net loans and leases to deposits | 79.1076% | 3,819 |
| Net loans and leases to core deposits | 83.3001% | 4,299 |
| Total domestic deposits to total assets | 83.3736% | 4,441 |
| Equity capital to assets | 13.8606% | 1,187 |
| Core capital (leverage) ratio | 12.7195% | 1,317 |
| Tier 1 risk-based capital ratio | 16.1793% | 2,573 |
| Total risk-based capital ratio | 17.4342% | 2,531 |
| Memoranda: | ||
| Average total assets | $52,960,500 | 6,632 |
| Average earning assets | $47,655,500 | 6,644 |
| Average equity | $7,479,000 | 6,023 |
| Average total loans | $36,189,000 | 6,301 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1697% | 5,789 |
| Cost of funding earning assets | 1.6536% | 4,774 |
| Net interest margin | 3.5160% | 4,885 |
| Noninterest income to average assets | 0.2590% | 6,259 |
| Noninterest expense to average assets | 3.2611% | 3,152 |
| Loan and lease loss provision to assets | 0.4073% | 4,372 |
| Net operating income to assets | -0.3956% | 6,074 |
| Return on assets (ROA) | -0.4262% | 6,105 |
| Pretax return on assets | -0.4262% | 5,947 |
| Return on Equity (ROE) | -2.3746% | 5,905 |
| Retained earnings to average equity (ytd only) | -2.3746% | 5,589 |
| Net charge-offs to loans | 0.0270% | 6,867 |
| Credit loss provision to net charge-offs | 2,162.5000% | 150 |
| Earnings coverage of net charge-offs (x) | 0.6250% | 5,471 |
| Efficiency ratio | 99.6403% | 1,120 |
| Assets per employee ($millions) | 3.2598% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 4,235 |
| Loan loss allowance to noncurrent loans | 255.7789% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 6,494 |
| Noncurrent loans to loans | 0.5475% | 6,146 |
| Net loans and leases to total assets | 68.7175% | 3,545 |
| Net loans and leases to deposits | 83.9643% | 3,277 |
| Net loans and leases to core deposits | 109.6223% | 2,941 |
| Total domestic deposits to total assets | 81.8414% | 5,014 |
| Equity capital to assets | 14.3912% | 1,053 |
| Core capital (leverage) ratio | 14.4289% | 897 |
| Tier 1 risk-based capital ratio | 15.4251% | 2,745 |
| Total risk-based capital ratio | 16.5759% | 2,747 |
| Memoranda: | ||
| Average total assets | $42,470,000 | 7,014 |
| Average earning assets | $36,404,600 | 7,078 |
| Average equity | $7,622,200 | 6,043 |
| Average total loans | $29,581,000 | 6,652 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2635% | 5,609 |
| Cost of funding earning assets | 1.6756% | 5,030 |
| Net interest margin | 3.5879% | 4,525 |
| Noninterest income to average assets | 0.2630% | 6,350 |
| Noninterest expense to average assets | 3.1794% | 3,366 |
| Loan and lease loss provision to assets | 0.3596% | 4,165 |
| Net operating income to assets | -0.2464% | 6,136 |
| Return on assets (ROA) | -0.2897% | 6,198 |
| Pretax return on assets | -0.2897% | 6,089 |
| Return on Equity (ROE) | -1.5161% | 6,021 |
| Retained earnings to average equity (ytd only) | -1.5161% | 5,616 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5622% | 1,242 |
| Assets per employee ($millions) | 2.9916% | 6,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 3,659 |
| Loan loss allowance to noncurrent loans | 329.9270% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 6,725 |
| Noncurrent loans to loans | 0.4416% | 6,444 |
| Net loans and leases to total assets | 68.1308% | 3,928 |
| Net loans and leases to deposits | 86.5527% | 3,214 |
| Net loans and leases to core deposits | 104.9104% | 3,836 |
| Total domestic deposits to total assets | 78.7160% | 5,890 |
| Equity capital to assets | 16.9564% | 642 |
| Core capital (leverage) ratio | 16.5632% | 607 |
| Tier 1 risk-based capital ratio | 18.4488% | 1,876 |
| Total risk-based capital ratio | 19.6556% | 1,836 |
| Memoranda: | ||
| Average total assets | $40,048,250 | 7,146 |
| Average earning assets | $33,816,750 | 7,258 |
| Average equity | $7,651,250 | 6,097 |
| Average total loans | $27,888,750 | 6,801 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3560% | 5,374 |
| Cost of funding earning assets | 1.7048% | 5,245 |
| Net interest margin | 3.6513% | 4,157 |
| Noninterest income to average assets | 0.2862% | 6,218 |
| Noninterest expense to average assets | 3.0749% | 3,794 |
| Loan and lease loss provision to assets | 0.3746% | 3,682 |
| Net operating income to assets | -0.0989% | 6,006 |
| Return on assets (ROA) | -0.1509% | 6,131 |
| Pretax return on assets | -0.1509% | 6,064 |
| Return on Equity (ROE) | -0.7567% | 6,041 |
| Retained earnings to average equity (ytd only) | -0.7567% | 5,416 |
| Net charge-offs to loans | -0.0596% | 7,874 |
| Credit loss provision to net charge-offs | -900.0000% | 7,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7702% | 1,658 |
| Assets per employee ($millions) | 4.1428% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 3,026 |
| Loan loss allowance to noncurrent loans | 275.3247% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 6,527 |
| Noncurrent loans to loans | 0.5561% | 6,154 |
| Net loans and leases to total assets | 65.8178% | 4,599 |
| Net loans and leases to deposits | 85.5972% | 3,621 |
| Net loans and leases to core deposits | 103.6610% | 4,098 |
| Total domestic deposits to total assets | 76.8924% | 6,354 |
| Equity capital to assets | 18.4344% | 512 |
| Core capital (leverage) ratio | 18.1212% | 498 |
| Tier 1 risk-based capital ratio | 20.9695% | 1,404 |
| Total risk-based capital ratio | 22.2440% | 1,368 |
| Memoranda: | ||
| Average total assets | $38,439,670 | 7,278 |
| Average earning assets | $32,262,670 | 7,387 |
| Average equity | $7,665,330 | 6,128 |
| Average total loans | $26,843,330 | 6,927 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6756% | 3,918 |
| Cost of funding earning assets | 1.7923% | 5,147 |
| Net interest margin | 3.8833% | 3,118 |
| Noninterest income to average assets | 0.2815% | 6,176 |
| Noninterest expense to average assets | 3.0856% | 3,431 |
| Loan and lease loss provision to assets | 0.3898% | 2,991 |
| Net operating income to assets | 0.0433% | 6,150 |
| Return on assets (ROA) | 0.0000% | 6,399 |
| Pretax return on assets | 0.0000% | 6,374 |
| Return on Equity (ROE) | 0.0000% | 6,405 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,638 |
| Net charge-offs to loans | -0.1060% | 7,892 |
| Credit loss provision to net charge-offs | -514.2857% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6923% | 1,917 |
| Assets per employee ($millions) | 3.8360% | 4,009 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 3,040 |
| Loan loss allowance to noncurrent loans | 304.7244% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 6,524 |
| Noncurrent loans to loans | 0.4894% | 6,207 |
| Net loans and leases to total assets | 66.6371% | 4,429 |
| Net loans and leases to deposits | 88.6400% | 3,161 |
| Net loans and leases to core deposits | 103.0061% | 4,241 |
| Total domestic deposits to total assets | 75.1773% | 6,672 |
| Equity capital to assets | 19.9713% | 421 |
| Core capital (leverage) ratio | 19.1878% | 437 |
| Tier 1 risk-based capital ratio | 22.4195% | 1,254 |
| Total risk-based capital ratio | 23.6620% | 1,226 |
| Memoranda: | ||
| Average total assets | $36,945,500 | 7,382 |
| Average earning assets | $30,798,500 | 7,487 |
| Average equity | $7,679,500 | 6,163 |
| Average total loans | $26,419,500 | 6,983 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7900% | 6,462 |
| Cost of funding earning assets | 1.9825% | 6,466 |
| Net interest margin | 3.8075% | 3,988 |
| Noninterest income to average assets | 0.3228% | 6,143 |
| Noninterest expense to average assets | 3.6323% | 2,074 |
| Loan and lease loss provision to assets | 0.6486% | 2,246 |
| Net operating income to assets | -0.5279% | 6,939 |
| Return on assets (ROA) | -0.5189% | 6,813 |
| Pretax return on assets | -0.5189% | 6,668 |
| Return on Equity (ROE) | -2.2218% | 6,537 |
| Retained earnings to average equity (ytd only) | -2.2218% | 5,930 |
| Net charge-offs to loans | 0.2852% | 3,498 |
| Credit loss provision to net charge-offs | 358.3333% | 1,240 |
| Earnings coverage of net charge-offs (x) | 0.6667% | 5,825 |
| Efficiency ratio | 96.7846% | 1,110 |
| Assets per employee ($millions) | 3.2301% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 3,935 |
| Loan loss allowance to noncurrent loans | 256.7164% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 6,105 |
| Noncurrent loans to loans | 0.4983% | 5,851 |
| Net loans and leases to total assets | 74.7122% | 2,937 |
| Net loans and leases to deposits | 100.4845% | 1,790 |
| Net loans and leases to core deposits | 121.8881% | 2,518 |
| Total domestic deposits to total assets | 74.3520% | 6,588 |
| Equity capital to assets | 21.6656% | 368 |
| Core capital (leverage) ratio | 20.2314% | 429 |
| Tier 1 risk-based capital ratio | 24.2483% | 1,058 |
| Total risk-based capital ratio | 25.4441% | 1,047 |
| Memoranda: | ||
| Average total assets | $33,147,400 | 7,500 |
| Average earning assets | $29,862,000 | 7,518 |
| Average equity | $7,741,600 | 6,193 |
| Average total loans | $21,037,800 | 7,258 |