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 | 5.6655% | 968 |
| Cost of funding earning assets | 1.8320% | 1,198 |
| Net interest margin | 3.8335% | 1,504 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 3.1710% | 857 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.7137% | 3,155 |
| Return on assets (ROA) | 0.7137% | 3,135 |
| Pretax return on assets | 0.6449% | 3,546 |
| Return on Equity (ROE) | 7.4300% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.4280% | 1,745 |
| Net charge-offs to loans | -0.0016% | 3,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.4723% | 692 |
| Assets per employee ($millions) | 4.5472% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 1,645 |
| Loan loss allowance to noncurrent loans | 9,026.3158% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 3,686 |
| Noncurrent loans to loans | 0.0147% | 3,641 |
| Net loans and leases to total assets | 82.2100% | 411 |
| Net loans and leases to deposits | 99.7176% | 549 |
| Net loans and leases to core deposits | 103.3291% | 1,253 |
| Total domestic deposits to total assets | 82.4400% | 3,040 |
| Equity capital to assets | 9.9996% | 2,010 |
| Core capital (leverage) ratio | 10.0092% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2328% | 1,220 |
| Memoranda: | ||
| Average total assets | $155,377,800 | 3,315 |
| Average earning assets | $142,742,000 | 3,314 |
| Average equity | $14,930,000 | 3,272 |
| Average total loans | $126,594,200 | 2,887 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5683% | 942 |
| Cost of funding earning assets | 1.7002% | 1,186 |
| Net interest margin | 3.8681% | 1,462 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 3.1145% | 913 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | 0.7533% | 3,158 |
| Return on assets (ROA) | 0.7533% | 3,151 |
| Pretax return on assets | 0.7533% | 3,440 |
| Return on Equity (ROE) | 7.9200% | 3,204 |
| Retained earnings to average equity (ytd only) | 7.9201% | 2,002 |
| Net charge-offs to loans | -0.0011% | 3,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.3540% | 774 |
| Assets per employee ($millions) | 4.6084% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 1,655 |
| Loan loss allowance to noncurrent loans | 15,554.5455% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 3,786 |
| Noncurrent loans to loans | 0.0087% | 3,744 |
| Net loans and leases to total assets | 79.9400% | 655 |
| Net loans and leases to deposits | 96.5311% | 718 |
| Net loans and leases to core deposits | 100.6533% | 1,284 |
| Total domestic deposits to total assets | 82.8100% | 3,050 |
| Equity capital to assets | 9.7034% | 1,991 |
| Core capital (leverage) ratio | 9.8633% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8317% | 1,366 |
| Memoranda: | ||
| Average total assets | $155,570,750 | 3,323 |
| Average earning assets | $142,804,000 | 3,322 |
| Average equity | $14,797,500 | 3,282 |
| Average total loans | $126,038,500 | 2,893 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4425% | 911 |
| Cost of funding earning assets | 1.5717% | 1,124 |
| Net interest margin | 3.8709% | 1,484 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 3.0941% | 914 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.7307% | 3,273 |
| Return on assets (ROA) | 0.7307% | 3,278 |
| Pretax return on assets | 0.7307% | 3,540 |
| Return on Equity (ROE) | 7.7300% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.7343% | 2,056 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.1058% | 771 |
| Assets per employee ($millions) | 4.7337% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 1,655 |
| Loan loss allowance to noncurrent loans | 4,523.6842% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 3,550 |
| Noncurrent loans to loans | 0.0302% | 3,530 |
| Net loans and leases to total assets | 79.4900% | 682 |
| Net loans and leases to deposits | 95.7790% | 742 |
| Net loans and leases to core deposits | 100.0621% | 1,235 |
| Total domestic deposits to total assets | 82.9900% | 3,050 |
| Equity capital to assets | 9.5351% | 2,138 |
| Core capital (leverage) ratio | 9.5924% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5218% | 1,421 |
| Memoranda: | ||
| Average total assets | $155,198,667 | 3,342 |
| Average earning assets | $142,397,333 | 3,337 |
| Average equity | $14,662,000 | 3,305 |
| Average total loans | $125,730,333 | 2,889 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3521% | 777 |
| Cost of funding earning assets | 1.3845% | 1,053 |
| Net interest margin | 3.9675% | 1,331 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 3.0771% | 965 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8197% | 3,136 |
| Return on assets (ROA) | 0.8197% | 3,086 |
| Pretax return on assets | 0.8197% | 3,424 |
| Return on Equity (ROE) | 8.7200% | 3,127 |
| Retained earnings to average equity (ytd only) | 8.7175% | 2,021 |
| Net charge-offs to loans | 0.0064% | 1,720 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 158.5000% | 595 |
| Efficiency ratio | 78.6994% | 935 |
| Assets per employee ($millions) | 4.7439% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 1,629 |
| Loan loss allowance to noncurrent loans | 12,492.8571% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 3,786 |
| Noncurrent loans to loans | 0.0112% | 3,740 |
| Net loans and leases to total assets | 78.7800% | 677 |
| Net loans and leases to deposits | 94.5991% | 749 |
| Net loans and leases to core deposits | 99.0061% | 1,134 |
| Total domestic deposits to total assets | 83.2800% | 3,243 |
| Equity capital to assets | 9.3778% | 2,242 |
| Core capital (leverage) ratio | 9.6771% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1609% | 1,582 |
| Memoranda: | ||
| Average total assets | $154,692,000 | 3,384 |
| Average earning assets | $141,852,000 | 3,393 |
| Average equity | $14,545,500 | 3,346 |
| Average total loans | $125,653,000 | 2,925 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 512 |
| Cost of funding earning assets | 0.4988% | 1,400 |
| Net interest margin | 4.2047% | 528 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 3.0515% | 897 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.9141% | 2,900 |
| Return on assets (ROA) | 0.8449% | 3,104 |
| Pretax return on assets | 0.8449% | 3,500 |
| Return on Equity (ROE) | 8.7300% | 3,195 |
| Retained earnings to average equity (ytd only) | 7.5709% | 1,997 |
| Net charge-offs to loans | 0.0408% | 1,290 |
| Credit loss provision to net charge-offs | 446.8085% | 729 |
| Earnings coverage of net charge-offs (x) | 32.2766% | 1,649 |
| Efficiency ratio | 74.2007% | 1,198 |
| Assets per employee ($millions) | 5.0945% | 3,601 |
| Cash dividends to net income (ytd only)* | 13.2450% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 1,406 |
| Loan loss allowance to noncurrent loans | 12,020.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 3,795 |
| Noncurrent loans to loans | 0.0119% | 3,752 |
| Net loans and leases to total assets | 81.4100% | 465 |
| Net loans and leases to deposits | 97.1957% | 577 |
| Net loans and leases to core deposits | 101.2606% | 937 |
| Total domestic deposits to total assets | 83.7600% | 3,262 |
| Equity capital to assets | 9.4285% | 2,065 |
| Core capital (leverage) ratio | 9.8391% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7584% | 1,708 |
| Memoranda: | ||
| Average total assets | $142,977,400 | 3,512 |
| Average earning assets | $131,114,600 | 3,518 |
| Average equity | $13,842,400 | 3,488 |
| Average total loans | $115,152,600 | 2,975 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 408 |
| Cost of funding earning assets | 0.3967% | 1,315 |
| Net interest margin | 4.2255% | 394 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 3.0886% | 804 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.9498% | 2,674 |
| Return on assets (ROA) | 0.9498% | 2,637 |
| Pretax return on assets | 0.9498% | 3,186 |
| Return on Equity (ROE) | 9.7400% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.1844% | 1,933 |
| Net charge-offs to loans | 0.0546% | 939 |
| Credit loss provision to net charge-offs | 217.3913% | 944 |
| Earnings coverage of net charge-offs (x) | 23.9348% | 1,639 |
| Efficiency ratio | 74.7245% | 1,206 |
| Assets per employee ($millions) | 4.4738% | 4,076 |
| Cash dividends to net income (ytd only)* | 15.9840% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 1,585 |
| Loan loss allowance to noncurrent loans | 4,578.3784% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 3,675 |
| Noncurrent loans to loans | 0.0307% | 3,680 |
| Net loans and leases to total assets | 82.8700% | 325 |
| Net loans and leases to deposits | 96.7035% | 518 |
| Net loans and leases to core deposits | 99.5318% | 832 |
| Total domestic deposits to total assets | 85.6900% | 3,140 |
| Equity capital to assets | 9.8414% | 1,699 |
| Core capital (leverage) ratio | 10.1307% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6309% | 1,832 |
| Memoranda: | ||
| Average total assets | $140,513,250 | 3,554 |
| Average earning assets | $128,740,250 | 3,562 |
| Average equity | $13,700,500 | 3,544 |
| Average total loans | $112,383,250 | 3,016 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 389 |
| Cost of funding earning assets | 0.3662% | 1,141 |
| Net interest margin | 4.1066% | 389 |
| Noninterest income to average assets | 0.2521% | 3,657 |
| Noninterest expense to average assets | 3.1068% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9196% | 2,492 |
| Return on assets (ROA) | 0.9196% | 2,462 |
| Pretax return on assets | 0.9196% | 2,996 |
| Return on Equity (ROE) | 9.4614% | 2,535 |
| Retained earnings to average equity (ytd only) | 7.1034% | 1,955 |
| Net charge-offs to loans | -0.0018% | 3,116 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1612% | 1,158 |
| Assets per employee ($millions) | 4.5295% | 4,053 |
| Cash dividends to net income (ytd only)* | 24.9221% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 1,691 |
| Loan loss allowance to noncurrent loans | 943.1034% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 2,837 |
| Noncurrent loans to loans | 0.1501% | 2,945 |
| Net loans and leases to total assets | 81.3920% | 321 |
| Net loans and leases to deposits | 94.1982% | 511 |
| Net loans and leases to core deposits | 97.0944% | 790 |
| Total domestic deposits to total assets | 86.4051% | 3,141 |
| Equity capital to assets | 9.8039% | 1,818 |
| Core capital (leverage) ratio | 9.7891% | 2,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7488% | 1,785 |
| Memoranda: | ||
| Average total assets | $139,630,667 | 3,601 |
| Average earning assets | $128,330,333 | 3,614 |
| Average equity | $13,571,000 | 3,628 |
| Average total loans | $109,735,333 | 3,065 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2402% | 486 |
| Cost of funding earning assets | 0.3211% | 1,453 |
| Net interest margin | 3.9190% | 480 |
| Noninterest income to average assets | 0.2327% | 3,753 |
| Noninterest expense to average assets | 2.8929% | 974 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9509% | 2,071 |
| Return on assets (ROA) | 0.9509% | 2,064 |
| Pretax return on assets | 0.9509% | 2,599 |
| Return on Equity (ROE) | 9.8267% | 2,035 |
| Retained earnings to average equity (ytd only) | 5.0766% | 2,566 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2616% | 1,605 |
| Assets per employee ($millions) | 4.3154% | 4,242 |
| Cash dividends to net income (ytd only)* | 48.3384% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 1,459 |
| Loan loss allowance to noncurrent loans | 8,200.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,916 |
| Noncurrent loans to loans | 0.0187% | 3,861 |
| Net loans and leases to total assets | 76.4353% | 477 |
| Net loans and leases to deposits | 87.7814% | 633 |
| Net loans and leases to core deposits | 90.5038% | 901 |
| Total domestic deposits to total assets | 87.0746% | 2,899 |
| Equity capital to assets | 9.7775% | 2,066 |
| Core capital (leverage) ratio | 9.6631% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2756% | 1,699 |
| Memoranda: | ||
| Average total assets | $139,239,500 | 3,625 |
| Average earning assets | $128,297,000 | 3,630 |
| Average equity | $13,473,500 | 3,710 |
| Average total loans | $106,640,000 | 3,103 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 913 |
| Cost of funding earning assets | 0.4351% | 1,288 |
| Net interest margin | 3.8196% | 969 |
| Noninterest income to average assets | 0.2782% | 3,720 |
| Noninterest expense to average assets | 3.0227% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7750% | 3,410 |
| Return on assets (ROA) | 0.7750% | 3,475 |
| Pretax return on assets | 0.7750% | 3,778 |
| Return on Equity (ROE) | 8.0424% | 3,210 |
| Retained earnings to average equity (ytd only) | 8.0424% | 1,520 |
| Net charge-offs to loans | -0.0039% | 3,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5926% | 829 |
| Assets per employee ($millions) | 4.6796% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 1,405 |
| Loan loss allowance to noncurrent loans | 653.3865% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 2,688 |
| Noncurrent loans to loans | 0.2366% | 2,783 |
| Net loans and leases to total assets | 74.4008% | 630 |
| Net loans and leases to deposits | 85.1908% | 843 |
| Net loans and leases to core deposits | 88.0980% | 1,072 |
| Total domestic deposits to total assets | 87.3343% | 2,370 |
| Equity capital to assets | 9.5771% | 3,067 |
| Core capital (leverage) ratio | 9.5443% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4928% | 1,687 |
| Memoranda: | ||
| Average total assets | $134,449,200 | 3,637 |
| Average earning assets | $123,887,400 | 3,638 |
| Average equity | $12,956,400 | 3,835 |
| Average total loans | $103,299,000 | 3,156 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2423% | 1,041 |
| Cost of funding earning assets | 0.4601% | 1,287 |
| Net interest margin | 3.7822% | 1,155 |
| Noninterest income to average assets | 0.2868% | 3,736 |
| Noninterest expense to average assets | 2.9250% | 1,088 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8403% | 3,415 |
| Return on assets (ROA) | 0.8403% | 3,479 |
| Pretax return on assets | 0.8403% | 3,817 |
| Return on Equity (ROE) | 8.7057% | 3,199 |
| Retained earnings to average equity (ytd only) | 8.7057% | 1,801 |
| Net charge-offs to loans | -0.0039% | 3,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6831% | 902 |
| Assets per employee ($millions) | 4.6668% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 1,398 |
| Loan loss allowance to noncurrent loans | 6,829.1667% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 4,091 |
| Noncurrent loans to loans | 0.0231% | 4,033 |
| Net loans and leases to total assets | 73.0049% | 775 |
| Net loans and leases to deposits | 83.5580% | 993 |
| Net loans and leases to core deposits | 86.6002% | 1,247 |
| Total domestic deposits to total assets | 87.3703% | 2,173 |
| Equity capital to assets | 9.4727% | 3,402 |
| Core capital (leverage) ratio | 9.8765% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7501% | 1,702 |
| Memoranda: | ||
| Average total assets | $132,964,750 | 3,685 |
| Average earning assets | $122,289,500 | 3,693 |
| Average equity | $12,834,250 | 3,895 |
| Average total loans | $102,601,500 | 3,208 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3316% | 951 |
| Cost of funding earning assets | 0.4972% | 1,218 |
| Net interest margin | 3.8343% | 1,090 |
| Noninterest income to average assets | 0.3016% | 3,628 |
| Noninterest expense to average assets | 2.9781% | 1,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8421% | 3,385 |
| Return on assets (ROA) | 0.8421% | 3,462 |
| Pretax return on assets | 0.8421% | 3,785 |
| Return on Equity (ROE) | 8.6671% | 3,206 |
| Retained earnings to average equity (ytd only) | 8.6671% | 1,830 |
| Net charge-offs to loans | -0.0059% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9559% | 910 |
| Assets per employee ($millions) | 4.8652% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 1,321 |
| Loan loss allowance to noncurrent loans | 1,300.7937% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 3,571 |
| Noncurrent loans to loans | 0.1216% | 3,582 |
| Net loans and leases to total assets | 77.6393% | 473 |
| Net loans and leases to deposits | 89.4442% | 681 |
| Net loans and leases to core deposits | 92.9961% | 954 |
| Total domestic deposits to total assets | 86.8019% | 2,424 |
| Equity capital to assets | 9.8744% | 2,977 |
| Core capital (leverage) ratio | 9.6340% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4684% | 1,812 |
| Memoranda: | ||
| Average total assets | $130,618,667 | 3,721 |
| Average earning assets | $119,864,000 | 3,733 |
| Average equity | $12,691,667 | 3,918 |
| Average total loans | $102,186,000 | 3,224 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 1,217 |
| Cost of funding earning assets | 0.5257% | 1,233 |
| Net interest margin | 3.6635% | 1,420 |
| Noninterest income to average assets | 0.3501% | 3,345 |
| Noninterest expense to average assets | 2.9452% | 1,073 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7647% | 3,533 |
| Return on assets (ROA) | 0.7647% | 3,601 |
| Pretax return on assets | 0.7647% | 3,877 |
| Return on Equity (ROE) | 7.9350% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.9350% | 2,262 |
| Net charge-offs to loans | -0.0079% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3874% | 857 |
| Assets per employee ($millions) | 4.4410% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 1,225 |
| Loan loss allowance to noncurrent loans | 1,222.3881% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 3,682 |
| Noncurrent loans to loans | 0.1331% | 3,649 |
| Net loans and leases to total assets | 74.3089% | 785 |
| Net loans and leases to deposits | 85.1797% | 1,031 |
| Net loans and leases to core deposits | 88.4917% | 1,329 |
| Total domestic deposits to total assets | 87.2378% | 2,209 |
| Equity capital to assets | 9.5137% | 3,190 |
| Core capital (leverage) ratio | 9.9887% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2429% | 1,493 |
| Memoranda: | ||
| Average total assets | $130,248,000 | 3,738 |
| Average earning assets | $119,450,000 | 3,751 |
| Average equity | $12,552,000 | 3,948 |
| Average total loans | $101,466,000 | 3,235 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 902 |
| Cost of funding earning assets | 1.0450% | 504 |
| Net interest margin | 3.6480% | 1,987 |
| Noninterest income to average assets | 0.3470% | 3,386 |
| Noninterest expense to average assets | 2.9737% | 1,497 |
| Loan and lease loss provision to assets | 0.0842% | 3,327 |
| Net operating income to assets | 0.6325% | 3,642 |
| Return on assets (ROA) | 0.6325% | 3,772 |
| Pretax return on assets | 0.6325% | 4,013 |
| Return on Equity (ROE) | 6.7327% | 3,309 |
| Retained earnings to average equity (ytd only) | 6.7327% | 1,496 |
| Net charge-offs to loans | -0.3668% | 4,933 |
| Credit loss provision to net charge-offs | -28.9544% | 3,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4734% | 853 |
| Assets per employee ($millions) | 4.2422% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 1,298 |
| Loan loss allowance to noncurrent loans | 5,641.3793% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 4,276 |
| Noncurrent loans to loans | 0.0283% | 4,204 |
| Net loans and leases to total assets | 79.0912% | 496 |
| Net loans and leases to deposits | 91.1451% | 843 |
| Net loans and leases to core deposits | 94.7208% | 1,196 |
| Total domestic deposits to total assets | 86.7750% | 2,047 |
| Equity capital to assets | 9.7661% | 3,351 |
| Core capital (leverage) ratio | 9.4888% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7742% | 1,605 |
| Memoranda: | ||
| Average total assets | $128,225,800 | 3,648 |
| Average earning assets | $117,515,400 | 3,654 |
| Average equity | $12,045,600 | 3,970 |
| Average total loans | $101,689,200 | 3,201 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 956 |
| Cost of funding earning assets | 1.0259% | 700 |
| Net interest margin | 3.7300% | 1,840 |
| Noninterest income to average assets | 0.2948% | 3,718 |
| Noninterest expense to average assets | 2.9320% | 1,608 |
| Loan and lease loss provision to assets | 0.0996% | 3,075 |
| Net operating income to assets | 0.6819% | 3,512 |
| Return on assets (ROA) | 0.6819% | 3,622 |
| Pretax return on assets | 0.6819% | 3,940 |
| Return on Equity (ROE) | 7.3305% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.3305% | 1,567 |
| Net charge-offs to loans | -0.4885% | 4,973 |
| Credit loss provision to net charge-offs | -25.8065% | 3,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8150% | 964 |
| Assets per employee ($millions) | 4.4080% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 1,121 |
| Loan loss allowance to noncurrent loans | 5,410.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,360 |
| Noncurrent loans to loans | 0.0294% | 4,284 |
| Net loans and leases to total assets | 75.8538% | 1,113 |
| Net loans and leases to deposits | 89.1937% | 1,351 |
| Net loans and leases to core deposits | 92.3987% | 1,758 |
| Total domestic deposits to total assets | 85.0439% | 2,414 |
| Equity capital to assets | 9.2839% | 3,867 |
| Core capital (leverage) ratio | 9.1968% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5049% | 1,654 |
| Memoranda: | ||
| Average total assets | $128,465,500 | 3,636 |
| Average earning assets | $117,746,500 | 3,635 |
| Average equity | $11,949,750 | 3,988 |
| Average total loans | $101,538,250 | 3,210 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8166% | 1,128 |
| Cost of funding earning assets | 1.1000% | 715 |
| Net interest margin | 3.7165% | 2,105 |
| Noninterest income to average assets | 0.2987% | 3,678 |
| Noninterest expense to average assets | 2.9417% | 1,732 |
| Loan and lease loss provision to assets | 0.1116% | 2,895 |
| Net operating income to assets | 0.6556% | 3,559 |
| Return on assets (ROA) | 0.6556% | 3,653 |
| Pretax return on assets | 0.6556% | 3,959 |
| Return on Equity (ROE) | 7.0435% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.0435% | 1,646 |
| Net charge-offs to loans | -0.0533% | 4,696 |
| Credit loss provision to net charge-offs | -262.9630% | 3,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1013% | 953 |
| Assets per employee ($millions) | 4.3508% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 2,541 |
| Loan loss allowance to noncurrent loans | 4,041.9355% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 4,436 |
| Noncurrent loans to loans | 0.0296% | 4,364 |
| Net loans and leases to total assets | 76.7709% | 1,025 |
| Net loans and leases to deposits | 89.7658% | 1,375 |
| Net loans and leases to core deposits | 93.7202% | 1,767 |
| Total domestic deposits to total assets | 85.5235% | 2,192 |
| Equity capital to assets | 8.9269% | 4,148 |
| Core capital (leverage) ratio | 9.2132% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7490% | 1,905 |
| Memoranda: | ||
| Average total assets | $127,207,333 | 3,630 |
| Average earning assets | $116,722,333 | 3,640 |
| Average equity | $11,840,667 | 4,005 |
| Average total loans | $101,407,000 | 3,213 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9886% | 993 |
| Cost of funding earning assets | 1.1922% | 794 |
| Net interest margin | 3.7965% | 1,989 |
| Noninterest income to average assets | 0.2464% | 4,079 |
| Noninterest expense to average assets | 2.9407% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7749% | 2,999 |
| Return on assets (ROA) | 0.7749% | 3,078 |
| Pretax return on assets | 0.7749% | 3,478 |
| Return on Equity (ROE) | 8.1424% | 2,458 |
| Retained earnings to average equity (ytd only) | 8.1424% | 1,191 |
| Net charge-offs to loans | -0.4974% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8831% | 1,249 |
| Assets per employee ($millions) | 4.0554% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,325 |
| Loan loss allowance to noncurrent loans | 3,761.7647% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 3,295 |
| Noncurrent loans to loans | 0.0336% | 4,425 |
| Net loans and leases to total assets | 79.5644% | 749 |
| Net loans and leases to deposits | 93.9988% | 1,079 |
| Net loans and leases to core deposits | 97.7313% | 1,661 |
| Total domestic deposits to total assets | 84.6441% | 2,550 |
| Equity capital to assets | 9.4403% | 4,272 |
| Core capital (leverage) ratio | 9.6168% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2093% | 1,841 |
| Memoranda: | ||
| Average total assets | $123,374,000 | 3,659 |
| Average earning assets | $112,736,500 | 3,669 |
| Average equity | $11,741,000 | 4,028 |
| Average total loans | $99,712,000 | 3,229 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 803 |
| Cost of funding earning assets | 1.2899% | 786 |
| Net interest margin | 4.0204% | 1,784 |
| Noninterest income to average assets | 0.3117% | 3,826 |
| Noninterest expense to average assets | 3.1505% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7929% | 3,576 |
| Return on assets (ROA) | 0.7929% | 3,655 |
| Pretax return on assets | 0.7929% | 3,985 |
| Return on Equity (ROE) | 8.1234% | 3,114 |
| Retained earnings to average equity (ytd only) | 8.1234% | 940 |
| Net charge-offs to loans | 0.0043% | 3,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 225.7500% | 362 |
| Efficiency ratio | 79.6482% | 970 |
| Assets per employee ($millions) | 3.9042% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 2,563 |
| Loan loss allowance to noncurrent loans | 764.9007% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 2,813 |
| Noncurrent loans to loans | 0.1539% | 3,911 |
| Net loans and leases to total assets | 80.1150% | 768 |
| Net loans and leases to deposits | 96.1544% | 926 |
| Net loans and leases to core deposits | 99.6659% | 1,591 |
| Total domestic deposits to total assets | 83.3191% | 3,095 |
| Equity capital to assets | 9.5959% | 4,276 |
| Core capital (leverage) ratio | 9.6836% | 3,870 |
| Tier 1 risk-based capital ratio | 14.0299% | 3,253 |
| Total risk-based capital ratio | 15.2818% | 3,162 |
| Memoranda: | ||
| Average total assets | $113,886,800 | 3,777 |
| Average earning assets | $102,875,200 | 3,820 |
| Average equity | $11,116,000 | 4,110 |
| Average total loans | $92,327,200 | 3,353 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3325% | 808 |
| Cost of funding earning assets | 1.2833% | 826 |
| Net interest margin | 4.0492% | 1,769 |
| Noninterest income to average assets | 0.2902% | 3,996 |
| Noninterest expense to average assets | 3.2054% | 1,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7327% | 3,901 |
| Return on assets (ROA) | 0.7327% | 3,969 |
| Pretax return on assets | 0.7327% | 4,274 |
| Return on Equity (ROE) | 7.4722% | 3,518 |
| Retained earnings to average equity (ytd only) | 7.4722% | 1,640 |
| Net charge-offs to loans | 0.0117% | 2,944 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 76.9738% | 879 |
| Efficiency ratio | 81.1537% | 819 |
| Assets per employee ($millions) | 3.7935% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 2,602 |
| Loan loss allowance to noncurrent loans | 878.6260% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 2,944 |
| Noncurrent loans to loans | 0.1346% | 4,050 |
| Net loans and leases to total assets | 81.7786% | 592 |
| Net loans and leases to deposits | 98.4904% | 769 |
| Net loans and leases to core deposits | 101.9117% | 1,510 |
| Total domestic deposits to total assets | 83.0320% | 3,161 |
| Equity capital to assets | 9.6277% | 4,357 |
| Core capital (leverage) ratio | 9.7479% | 3,913 |
| Tier 1 risk-based capital ratio | 13.2752% | 3,700 |
| Total risk-based capital ratio | 14.5265% | 3,606 |
| Memoranda: | ||
| Average total assets | $112,100,750 | 3,846 |
| Average earning assets | $100,987,500 | 3,894 |
| Average equity | $10,991,500 | 4,161 |
| Average total loans | $90,879,250 | 3,420 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2974% | 820 |
| Cost of funding earning assets | 1.2421% | 890 |
| Net interest margin | 4.0554% | 1,741 |
| Noninterest income to average assets | 0.2920% | 3,988 |
| Noninterest expense to average assets | 3.2521% | 1,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6820% | 4,062 |
| Return on assets (ROA) | 0.6820% | 4,114 |
| Pretax return on assets | 0.6820% | 4,372 |
| Return on Equity (ROE) | 6.9109% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.9109% | 1,853 |
| Net charge-offs to loans | 0.0270% | 2,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 1,430 |
| Efficiency ratio | 82.4343% | 771 |
| Assets per employee ($millions) | 3.7763% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,255 |
| Loan loss allowance to noncurrent loans | 620.0000% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 2,699 |
| Noncurrent loans to loans | 0.2015% | 3,827 |
| Net loans and leases to total assets | 80.0155% | 876 |
| Net loans and leases to deposits | 92.8038% | 1,402 |
| Net loans and leases to core deposits | 96.0041% | 2,070 |
| Total domestic deposits to total assets | 86.2201% | 1,926 |
| Equity capital to assets | 9.7830% | 4,154 |
| Core capital (leverage) ratio | 9.8958% | 3,705 |
| Tier 1 risk-based capital ratio | 13.6929% | 3,488 |
| Total risk-based capital ratio | 14.9451% | 3,377 |
| Memoranda: | ||
| Average total assets | $110,268,330 | 3,895 |
| Average earning assets | $99,029,670 | 3,942 |
| Average equity | $10,881,330 | 4,188 |
| Average total loans | $88,732,000 | 3,487 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1806% | 942 |
| Cost of funding earning assets | 1.1334% | 1,082 |
| Net interest margin | 4.0472% | 1,695 |
| Noninterest income to average assets | 0.2722% | 4,059 |
| Noninterest expense to average assets | 3.1777% | 1,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7062% | 3,913 |
| Return on assets (ROA) | 0.7062% | 3,959 |
| Pretax return on assets | 0.7062% | 4,288 |
| Return on Equity (ROE) | 7.1240% | 3,630 |
| Retained earnings to average equity (ytd only) | 7.1240% | 1,993 |
| Net charge-offs to loans | -0.0183% | 4,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5341% | 918 |
| Assets per employee ($millions) | 3.7259% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,099 |
| Loan loss allowance to noncurrent loans | 235.4251% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 2,790 |
| Noncurrent loans to loans | 0.5515% | 2,666 |
| Net loans and leases to total assets | 79.0898% | 977 |
| Net loans and leases to deposits | 91.6703% | 1,436 |
| Net loans and leases to core deposits | 94.5650% | 2,075 |
| Total domestic deposits to total assets | 86.2764% | 2,149 |
| Equity capital to assets | 9.7381% | 4,057 |
| Core capital (leverage) ratio | 10.2211% | 3,363 |
| Tier 1 risk-based capital ratio | 14.1852% | 3,251 |
| Total risk-based capital ratio | 15.4381% | 3,169 |
| Memoranda: | ||
| Average total assets | $108,758,500 | 3,956 |
| Average earning assets | $97,055,000 | 4,028 |
| Average equity | $10,780,500 | 4,228 |
| Average total loans | $87,200,500 | 3,555 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1003% | 847 |
| Cost of funding earning assets | 0.7501% | 1,787 |
| Net interest margin | 4.3502% | 1,037 |
| Noninterest income to average assets | 0.4204% | 3,311 |
| Noninterest expense to average assets | 3.4604% | 1,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8418% | 3,639 |
| Return on assets (ROA) | 0.8418% | 3,639 |
| Pretax return on assets | 0.8418% | 4,067 |
| Return on Equity (ROE) | 8.7203% | 3,136 |
| Retained earnings to average equity (ytd only) | 8.7203% | 968 |
| Net charge-offs to loans | -0.0136% | 4,582 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1822% | 946 |
| Assets per employee ($millions) | 3.5246% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 1,762 |
| Loan loss allowance to noncurrent loans | 262.8118% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 2,619 |
| Noncurrent loans to loans | 0.5198% | 2,717 |
| Net loans and leases to total assets | 79.1326% | 1,071 |
| Net loans and leases to deposits | 93.4644% | 1,339 |
| Net loans and leases to core deposits | 96.2069% | 2,049 |
| Total domestic deposits to total assets | 84.6660% | 2,781 |
| Equity capital to assets | 10.0966% | 3,579 |
| Core capital (leverage) ratio | 10.4889% | 3,040 |
| Tier 1 risk-based capital ratio | 14.5488% | 3,043 |
| Total risk-based capital ratio | 15.8029% | 2,957 |
| Memoranda: | ||
| Average total assets | $102,039,200 | 4,064 |
| Average earning assets | $91,054,200 | 4,130 |
| Average equity | $9,850,600 | 4,323 |
| Average total loans | $81,024,400 | 3,650 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 1,064 |
| Cost of funding earning assets | 0.6892% | 1,912 |
| Net interest margin | 4.2539% | 1,224 |
| Noninterest income to average assets | 0.3257% | 3,964 |
| Noninterest expense to average assets | 3.3717% | 1,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7714% | 4,003 |
| Return on assets (ROA) | 0.7714% | 4,014 |
| Pretax return on assets | 0.7714% | 4,369 |
| Return on Equity (ROE) | 8.0875% | 3,512 |
| Retained earnings to average equity (ytd only) | 8.0875% | 1,605 |
| Net charge-offs to loans | -0.0766% | 5,081 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1267% | 848 |
| Assets per employee ($millions) | 3.3907% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 1,463 |
| Loan loss allowance to noncurrent loans | 248.7500% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.7452% | 1,995 |
| Noncurrent loans to loans | 0.5898% | 2,608 |
| Net loans and leases to total assets | 78.8333% | 1,193 |
| Net loans and leases to deposits | 89.9374% | 1,905 |
| Net loans and leases to core deposits | 92.5896% | 2,427 |
| Total domestic deposits to total assets | 87.6535% | 1,414 |
| Equity capital to assets | 9.9596% | 3,688 |
| Core capital (leverage) ratio | 10.1300% | 3,492 |
| Tier 1 risk-based capital ratio | 14.6676% | 3,035 |
| Total risk-based capital ratio | 15.9232% | 2,959 |
| Memoranda: | ||
| Average total assets | $101,114,250 | 4,125 |
| Average earning assets | $90,737,750 | 4,172 |
| Average equity | $9,644,250 | 4,397 |
| Average total loans | $80,072,250 | 3,696 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8489% | 1,128 |
| Cost of funding earning assets | 0.6301% | 2,044 |
| Net interest margin | 4.2188% | 1,240 |
| Noninterest income to average assets | 0.3211% | 4,036 |
| Noninterest expense to average assets | 3.3851% | 1,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7313% | 4,101 |
| Return on assets (ROA) | 0.7313% | 4,099 |
| Pretax return on assets | 0.7313% | 4,432 |
| Return on Equity (ROE) | 7.7832% | 3,598 |
| Retained earnings to average equity (ytd only) | 7.7832% | 1,714 |
| Net charge-offs to loans | -0.0753% | 5,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9933% | 836 |
| Assets per employee ($millions) | 3.3347% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 1,501 |
| Loan loss allowance to noncurrent loans | 268.3371% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.6987% | 2,141 |
| Noncurrent loans to loans | 0.5461% | 2,785 |
| Net loans and leases to total assets | 79.1727% | 1,135 |
| Net loans and leases to deposits | 90.1954% | 1,809 |
| Net loans and leases to core deposits | 92.6516% | 2,341 |
| Total domestic deposits to total assets | 87.7791% | 1,482 |
| Equity capital to assets | 9.8299% | 3,795 |
| Core capital (leverage) ratio | 9.7934% | 3,796 |
| Tier 1 risk-based capital ratio | 14.4014% | 3,159 |
| Total risk-based capital ratio | 15.6568% | 3,075 |
| Memoranda: | ||
| Average total assets | $100,912,000 | 4,161 |
| Average earning assets | $90,784,330 | 4,210 |
| Average equity | $9,482,000 | 4,463 |
| Average total loans | $79,635,000 | 3,720 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7298% | 1,237 |
| Cost of funding earning assets | 0.6093% | 1,990 |
| Net interest margin | 4.1205% | 1,384 |
| Noninterest income to average assets | 0.3236% | 3,988 |
| Noninterest expense to average assets | 3.3035% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7302% | 3,984 |
| Return on assets (ROA) | 0.7302% | 3,991 |
| Pretax return on assets | 0.7302% | 4,354 |
| Return on Equity (ROE) | 7.9519% | 3,398 |
| Retained earnings to average equity (ytd only) | 7.9519% | 1,858 |
| Net charge-offs to loans | -0.1110% | 5,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6047% | 992 |
| Assets per employee ($millions) | 3.4117% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 1,507 |
| Loan loss allowance to noncurrent loans | 264.1084% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.7064% | 2,207 |
| Noncurrent loans to loans | 0.5626% | 2,853 |
| Net loans and leases to total assets | 75.7960% | 1,572 |
| Net loans and leases to deposits | 85.5759% | 2,221 |
| Net loans and leases to core deposits | 87.8304% | 2,642 |
| Total domestic deposits to total assets | 88.5717% | 1,320 |
| Equity capital to assets | 9.1782% | 4,386 |
| Core capital (leverage) ratio | 9.3901% | 4,205 |
| Tier 1 risk-based capital ratio | 13.6620% | 3,565 |
| Total risk-based capital ratio | 14.9180% | 3,469 |
| Memoranda: | ||
| Average total assets | $101,347,000 | 4,206 |
| Average earning assets | $91,250,500 | 4,246 |
| Average equity | $9,306,000 | 4,538 |
| Average total loans | $79,260,500 | 3,757 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 975 |
| Cost of funding earning assets | 0.5431% | 2,003 |
| Net interest margin | 4.2569% | 1,062 |
| Noninterest income to average assets | 0.3396% | 4,041 |
| Noninterest expense to average assets | 3.4508% | 1,125 |
| Loan and lease loss provision to assets | -0.3125% | 5,617 |
| Net operating income to assets | 0.9978% | 2,251 |
| Return on assets (ROA) | 0.9978% | 2,287 |
| Pretax return on assets | 0.9978% | 3,579 |
| Return on Equity (ROE) | 11.1150% | 1,431 |
| Retained earnings to average equity (ytd only) | 11.1150% | 234 |
| Net charge-offs to loans | 0.0475% | 2,832 |
| Credit loss provision to net charge-offs | -833.3333% | 5,033 |
| Earnings coverage of net charge-offs (x) | 18.2778% | 2,083 |
| Efficiency ratio | 83.1529% | 845 |
| Assets per employee ($millions) | 3.3448% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 1,619 |
| Loan loss allowance to noncurrent loans | 243.7367% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.6378% | 2,420 |
| Noncurrent loans to loans | 0.5904% | 2,744 |
| Net loans and leases to total assets | 78.3562% | 1,237 |
| Net loans and leases to deposits | 89.6022% | 1,823 |
| Net loans and leases to core deposits | 92.2536% | 2,351 |
| Total domestic deposits to total assets | 87.4490% | 1,789 |
| Equity capital to assets | 9.1865% | 4,542 |
| Core capital (leverage) ratio | 9.3091% | 4,279 |
| Tier 1 risk-based capital ratio | 13.2269% | 3,772 |
| Total risk-based capital ratio | 14.4815% | 3,699 |
| Memoranda: | ||
| Average total assets | $96,006,800 | 4,315 |
| Average earning assets | $85,626,400 | 4,367 |
| Average equity | $8,619,000 | 4,682 |
| Average total loans | $75,725,600 | 3,825 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7715% | 981 |
| Cost of funding earning assets | 0.5240% | 2,079 |
| Net interest margin | 4.2474% | 1,051 |
| Noninterest income to average assets | 0.3427% | 4,085 |
| Noninterest expense to average assets | 3.4132% | 1,130 |
| Loan and lease loss provision to assets | -0.4214% | 5,707 |
| Net operating income to assets | 1.1307% | 1,950 |
| Return on assets (ROA) | 1.1307% | 2,013 |
| Pretax return on assets | 1.1307% | 3,183 |
| Return on Equity (ROE) | 12.6730% | 1,129 |
| Retained earnings to average equity (ytd only) | 12.6730% | 247 |
| Net charge-offs to loans | 0.1035% | 1,749 |
| Credit loss provision to net charge-offs | -517.2414% | 4,815 |
| Earnings coverage of net charge-offs (x) | 8.7071% | 2,748 |
| Efficiency ratio | 82.5213% | 874 |
| Assets per employee ($millions) | 3.3697% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 1,707 |
| Loan loss allowance to noncurrent loans | 236.8421% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.6866% | 2,447 |
| Noncurrent loans to loans | 0.6112% | 2,882 |
| Net loans and leases to total assets | 78.3764% | 1,215 |
| Net loans and leases to deposits | 89.7386% | 1,839 |
| Net loans and leases to core deposits | 92.8668% | 2,361 |
| Total domestic deposits to total assets | 87.3386% | 1,706 |
| Equity capital to assets | 9.2159% | 4,713 |
| Core capital (leverage) ratio | 9.2463% | 4,469 |
| Tier 1 risk-based capital ratio | 13.1132% | 3,933 |
| Total risk-based capital ratio | 14.3682% | 3,834 |
| Memoranda: | ||
| Average total assets | $94,922,750 | 4,371 |
| Average earning assets | $84,472,500 | 4,431 |
| Average equity | $8,469,250 | 4,754 |
| Average total loans | $74,713,750 | 3,883 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7518% | 964 |
| Cost of funding earning assets | 0.4934% | 2,224 |
| Net interest margin | 4.2584% | 961 |
| Noninterest income to average assets | 0.3596% | 3,985 |
| Noninterest expense to average assets | 3.3855% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7575% | 3,597 |
| Return on assets (ROA) | 0.7575% | 3,650 |
| Pretax return on assets | 0.7575% | 4,414 |
| Return on Equity (ROE) | 8.5883% | 2,729 |
| Retained earnings to average equity (ytd only) | 8.5883% | 971 |
| Net charge-offs to loans | 0.2740% | 735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.5248% | 3,035 |
| Efficiency ratio | 81.4587% | 1,056 |
| Assets per employee ($millions) | 3.3548% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 801 |
| Loan loss allowance to noncurrent loans | 430.8411% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 2,955 |
| Noncurrent loans to loans | 0.4288% | 3,478 |
| Net loans and leases to total assets | 75.5317% | 1,607 |
| Net loans and leases to deposits | 85.8970% | 2,239 |
| Net loans and leases to core deposits | 88.4539% | 2,663 |
| Total domestic deposits to total assets | 87.9329% | 1,489 |
| Equity capital to assets | 8.7163% | 5,125 |
| Core capital (leverage) ratio | 8.9082% | 4,832 |
| Tier 1 risk-based capital ratio | 12.9016% | 4,059 |
| Total risk-based capital ratio | 14.1618% | 3,972 |
| Memoranda: | ||
| Average total assets | $93,989,670 | 4,415 |
| Average earning assets | $83,505,670 | 4,476 |
| Average equity | $8,290,330 | 4,806 |
| Average total loans | $73,713,000 | 3,931 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6348% | 1,056 |
| Cost of funding earning assets | 0.4751% | 2,305 |
| Net interest margin | 4.1597% | 1,068 |
| Noninterest income to average assets | 0.4029% | 3,640 |
| Noninterest expense to average assets | 3.4135% | 1,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7061% | 3,676 |
| Return on assets (ROA) | 0.7061% | 3,717 |
| Pretax return on assets | 0.7061% | 4,434 |
| Return on Equity (ROE) | 7.9556% | 2,944 |
| Retained earnings to average equity (ytd only) | 7.9556% | 1,479 |
| Net charge-offs to loans | -0.3993% | 5,719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5447% | 1,108 |
| Assets per employee ($millions) | 3.1469% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 529 |
| Loan loss allowance to noncurrent loans | 1,308.4034% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 3,695 |
| Noncurrent loans to loans | 0.1622% | 4,537 |
| Net loans and leases to total assets | 76.0823% | 1,406 |
| Net loans and leases to deposits | 86.6618% | 1,959 |
| Net loans and leases to core deposits | 89.3337% | 2,415 |
| Total domestic deposits to total assets | 87.7922% | 1,831 |
| Equity capital to assets | 8.7716% | 5,021 |
| Core capital (leverage) ratio | 9.0329% | 4,694 |
| Tier 1 risk-based capital ratio | 13.1842% | 3,964 |
| Total risk-based capital ratio | 14.4497% | 3,871 |
| Memoranda: | ||
| Average total assets | $92,340,000 | 4,497 |
| Average earning assets | $82,505,500 | 4,542 |
| Average equity | $8,195,500 | 4,863 |
| Average total loans | $73,136,000 | 3,972 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7991% | 889 |
| Cost of funding earning assets | 0.4395% | 2,616 |
| Net interest margin | 4.3596% | 837 |
| Noninterest income to average assets | 0.4127% | 3,791 |
| Noninterest expense to average assets | 3.6142% | 995 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6608% | 3,948 |
| Return on assets (ROA) | 0.6608% | 4,064 |
| Pretax return on assets | 0.6608% | 4,618 |
| Return on Equity (ROE) | 7.8337% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.8337% | 909 |
| Net charge-offs to loans | -0.0412% | 5,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2571% | 987 |
| Assets per employee ($millions) | 3.2240% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0360% | 614 |
| Loan loss allowance to noncurrent loans | 757.1429% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.4785% | 3,346 |
| Noncurrent loans to loans | 0.2689% | 4,187 |
| Net loans and leases to total assets | 79.0978% | 1,030 |
| Net loans and leases to deposits | 87.2760% | 2,015 |
| Net loans and leases to core deposits | 90.5407% | 2,450 |
| Total domestic deposits to total assets | 90.6295% | 408 |
| Equity capital to assets | 8.9839% | 4,838 |
| Core capital (leverage) ratio | 8.9391% | 4,810 |
| Tier 1 risk-based capital ratio | 12.9759% | 4,094 |
| Total risk-based capital ratio | 14.2402% | 3,987 |
| Memoranda: | ||
| Average total assets | $89,895,400 | 4,544 |
| Average earning assets | $79,640,400 | 4,596 |
| Average equity | $7,582,600 | 4,994 |
| Average total loans | $70,399,400 | 4,037 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 946 |
| Cost of funding earning assets | 0.4379% | 2,660 |
| Net interest margin | 4.3373% | 867 |
| Noninterest income to average assets | 0.4335% | 3,666 |
| Noninterest expense to average assets | 3.6123% | 981 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6444% | 4,106 |
| Return on assets (ROA) | 0.6444% | 4,233 |
| Pretax return on assets | 0.6444% | 4,758 |
| Return on Equity (ROE) | 7.7663% | 3,137 |
| Retained earnings to average equity (ytd only) | 7.7663% | 1,274 |
| Net charge-offs to loans | -0.1108% | 5,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5832% | 943 |
| Assets per employee ($millions) | 3.2015% | 5,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0835% | 624 |
| Loan loss allowance to noncurrent loans | 622.6337% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 3,321 |
| Noncurrent loans to loans | 0.3346% | 4,054 |
| Net loans and leases to total assets | 79.3191% | 992 |
| Net loans and leases to deposits | 87.3621% | 2,099 |
| Net loans and leases to core deposits | 90.9386% | 2,483 |
| Total domestic deposits to total assets | 90.7935% | 244 |
| Equity capital to assets | 8.7793% | 5,334 |
| Core capital (leverage) ratio | 8.7776% | 5,077 |
| Tier 1 risk-based capital ratio | 12.6536% | 4,366 |
| Total risk-based capital ratio | 13.9178% | 4,268 |
| Memoranda: | ||
| Average total assets | $89,801,000 | 4,587 |
| Average earning assets | $79,155,500 | 4,641 |
| Average equity | $7,450,750 | 5,068 |
| Average total loans | $69,777,250 | 4,081 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 1,214 |
| Cost of funding earning assets | 0.4422% | 2,641 |
| Net interest margin | 4.1841% | 1,153 |
| Noninterest income to average assets | 0.4719% | 3,395 |
| Noninterest expense to average assets | 3.5725% | 1,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5854% | 4,328 |
| Return on assets (ROA) | 0.5854% | 4,454 |
| Pretax return on assets | 0.5854% | 4,922 |
| Return on Equity (ROE) | 7.1946% | 3,428 |
| Retained earnings to average equity (ytd only) | 7.1946% | 1,508 |
| Net charge-offs to loans | -0.0755% | 5,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6531% | 912 |
| Assets per employee ($millions) | 3.0701% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1720% | 567 |
| Loan loss allowance to noncurrent loans | 413.6872% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.9817% | 2,181 |
| Noncurrent loans to loans | 0.5250% | 3,508 |
| Net loans and leases to total assets | 74.9217% | 1,665 |
| Net loans and leases to deposits | 82.1399% | 2,695 |
| Net loans and leases to core deposits | 85.5105% | 2,945 |
| Total domestic deposits to total assets | 91.2122% | 151 |
| Equity capital to assets | 8.3958% | 5,654 |
| Core capital (leverage) ratio | 8.2750% | 5,553 |
| Tier 1 risk-based capital ratio | 12.7767% | 4,328 |
| Total risk-based capital ratio | 14.0421% | 4,230 |
| Memoranda: | ||
| Average total assets | $89,853,670 | 4,620 |
| Average earning assets | $79,157,000 | 4,673 |
| Average equity | $7,311,000 | 5,138 |
| Average total loans | $68,830,670 | 4,119 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 1,163 |
| Cost of funding earning assets | 0.4379% | 2,697 |
| Net interest margin | 4.2029% | 1,092 |
| Noninterest income to average assets | 0.3722% | 4,058 |
| Noninterest expense to average assets | 3.5850% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4875% | 4,682 |
| Return on assets (ROA) | 0.4875% | 4,781 |
| Pretax return on assets | 0.4875% | 5,116 |
| Return on Equity (ROE) | 6.0866% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.0866% | 2,339 |
| Net charge-offs to loans | -0.0289% | 5,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7040% | 839 |
| Assets per employee ($millions) | 3.0840% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1255% | 658 |
| Loan loss allowance to noncurrent loans | 319.4748% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 1.2903% | 1,670 |
| Noncurrent loans to loans | 0.6653% | 3,178 |
| Net loans and leases to total assets | 75.1708% | 1,521 |
| Net loans and leases to deposits | 82.1208% | 2,528 |
| Net loans and leases to core deposits | 85.0817% | 2,838 |
| Total domestic deposits to total assets | 91.5369% | 150 |
| Equity capital to assets | 8.1590% | 5,761 |
| Core capital (leverage) ratio | 8.1707% | 5,670 |
| Tier 1 risk-based capital ratio | 12.3269% | 4,708 |
| Total risk-based capital ratio | 13.5913% | 4,594 |
| Memoranda: | ||
| Average total assets | $90,264,000 | 4,655 |
| Average earning assets | $79,468,000 | 4,718 |
| Average equity | $7,229,000 | 5,184 |
| Average total loans | $69,153,000 | 4,131 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6769% | 1,157 |
| Cost of funding earning assets | 0.4760% | 2,387 |
| Net interest margin | 4.2008% | 1,174 |
| Noninterest income to average assets | 0.3309% | 4,531 |
| Noninterest expense to average assets | 3.6293% | 1,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3591% | 5,181 |
| Return on assets (ROA) | 0.3591% | 5,264 |
| Pretax return on assets | 0.3591% | 5,410 |
| Return on Equity (ROE) | 5.1559% | 4,427 |
| Retained earnings to average equity (ytd only) | 5.1559% | 2,309 |
| Net charge-offs to loans | -0.3474% | 6,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6964% | 650 |
| Assets per employee ($millions) | 3.1411% | 5,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0900% | 697 |
| Loan loss allowance to noncurrent loans | 297.5460% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 1.9694% | 904 |
| Noncurrent loans to loans | 0.7024% | 3,088 |
| Net loans and leases to total assets | 74.8268% | 1,596 |
| Net loans and leases to deposits | 81.5823% | 2,640 |
| Net loans and leases to core deposits | 84.4614% | 2,935 |
| Total domestic deposits to total assets | 91.7195% | 143 |
| Equity capital to assets | 7.8612% | 5,900 |
| Core capital (leverage) ratio | 7.8538% | 5,888 |
| Tier 1 risk-based capital ratio | 11.9587% | 4,978 |
| Total risk-based capital ratio | 13.2226% | 4,871 |
| Memoranda: | ||
| Average total assets | $92,165,800 | 4,622 |
| Average earning assets | $80,246,200 | 4,709 |
| Average equity | $6,419,800 | 5,352 |
| Average total loans | $67,636,400 | 4,155 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 1,206 |
| Cost of funding earning assets | 0.4790% | 2,419 |
| Net interest margin | 4.1718% | 1,231 |
| Noninterest income to average assets | 0.3000% | 4,787 |
| Noninterest expense to average assets | 3.6580% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2726% | 5,526 |
| Return on assets (ROA) | 0.2726% | 5,607 |
| Pretax return on assets | 0.2726% | 5,686 |
| Return on Equity (ROE) | 4.0419% | 5,016 |
| Retained earnings to average equity (ytd only) | 4.0419% | 3,585 |
| Net charge-offs to loans | -0.4369% | 6,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7706% | 532 |
| Assets per employee ($millions) | 3.1260% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1045% | 769 |
| Loan loss allowance to noncurrent loans | 224.6490% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 2.6342% | 628 |
| Noncurrent loans to loans | 0.9368% | 2,633 |
| Net loans and leases to total assets | 73.8889% | 1,755 |
| Net loans and leases to deposits | 80.0182% | 2,883 |
| Net loans and leases to core deposits | 82.5780% | 3,186 |
| Total domestic deposits to total assets | 92.3402% | 74 |
| Equity capital to assets | 7.2914% | 6,103 |
| Core capital (leverage) ratio | 7.1819% | 6,105 |
| Tier 1 risk-based capital ratio | 10.8385% | 5,738 |
| Total risk-based capital ratio | 12.1029% | 5,659 |
| Memoranda: | ||
| Average total assets | $92,434,000 | 4,668 |
| Average earning assets | $80,443,750 | 4,768 |
| Average equity | $6,234,500 | 5,452 |
| Average total loans | $67,141,250 | 4,205 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 1,182 |
| Cost of funding earning assets | 0.4825% | 2,409 |
| Net interest margin | 4.1591% | 1,204 |
| Noninterest income to average assets | 0.1612% | 5,739 |
| Noninterest expense to average assets | 3.5667% | 1,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2085% | 5,674 |
| Return on assets (ROA) | 0.2085% | 5,741 |
| Pretax return on assets | 0.2085% | 5,802 |
| Return on Equity (ROE) | 3.1755% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.1755% | 4,031 |
| Net charge-offs to loans | -0.6535% | 6,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1913% | 510 |
| Assets per employee ($millions) | 3.2060% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1192% | 832 |
| Loan loss allowance to noncurrent loans | 185.3093% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 2.9051% | 588 |
| Noncurrent loans to loans | 1.1436% | 2,363 |
| Net loans and leases to total assets | 71.4383% | 2,077 |
| Net loans and leases to deposits | 77.0147% | 3,160 |
| Net loans and leases to core deposits | 79.4039% | 3,453 |
| Total domestic deposits to total assets | 92.7593% | 66 |
| Equity capital to assets | 6.7890% | 6,222 |
| Core capital (leverage) ratio | 6.9343% | 6,198 |
| Tier 1 risk-based capital ratio | 10.6365% | 5,866 |
| Total risk-based capital ratio | 11.9001% | 5,801 |
| Memoranda: | ||
| Average total assets | $93,027,000 | 4,701 |
| Average earning assets | $80,835,330 | 4,806 |
| Average equity | $6,109,330 | 5,525 |
| Average total loans | $66,713,670 | 4,248 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6120% | 1,188 |
| Cost of funding earning assets | 0.5015% | 2,265 |
| Net interest margin | 4.1105% | 1,251 |
| Noninterest income to average assets | 0.4857% | 3,386 |
| Noninterest expense to average assets | 3.7183% | 984 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3611% | 5,217 |
| Return on assets (ROA) | 0.3611% | 5,334 |
| Pretax return on assets | 0.3611% | 5,513 |
| Return on Equity (ROE) | 5.5925% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.5925% | 2,725 |
| Net charge-offs to loans | -0.9858% | 6,320 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8325% | 793 |
| Assets per employee ($millions) | 3.1246% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0855% | 943 |
| Loan loss allowance to noncurrent loans | 348.3627% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 2.6784% | 758 |
| Noncurrent loans to loans | 0.5986% | 3,780 |
| Net loans and leases to total assets | 71.6597% | 1,867 |
| Net loans and leases to deposits | 77.0983% | 2,933 |
| Net loans and leases to core deposits | 79.5484% | 3,221 |
| Total domestic deposits to total assets | 92.9458% | 62 |
| Equity capital to assets | 6.7352% | 6,283 |
| Core capital (leverage) ratio | 6.6491% | 6,278 |
| Tier 1 risk-based capital ratio | 10.1154% | 6,135 |
| Total risk-based capital ratio | 11.3774% | 6,083 |
| Memoranda: | ||
| Average total assets | $93,053,500 | 4,749 |
| Average earning assets | $81,353,000 | 4,835 |
| Average equity | $6,008,000 | 5,596 |
| Average total loans | $66,142,000 | 4,297 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5393% | 1,728 |
| Cost of funding earning assets | 0.6590% | 1,346 |
| Net interest margin | 3.8803% | 2,313 |
| Noninterest income to average assets | -0.0787% | 6,442 |
| Noninterest expense to average assets | 3.3975% | 1,704 |
| Loan and lease loss provision to assets | 0.0290% | 4,028 |
| Net operating income to assets | -0.1222% | 6,170 |
| Return on assets (ROA) | -0.1222% | 6,172 |
| Pretax return on assets | -0.1222% | 6,151 |
| Return on Equity (ROE) | -2.0076% | 6,213 |
| Retained earnings to average equity (ytd only) | -2.0076% | 6,015 |
| Net charge-offs to loans | 0.6528% | 592 |
| Credit loss provision to net charge-offs | 6.1404% | 4,149 |
| Earnings coverage of net charge-offs (x) | -0.1974% | 4,733 |
| Efficiency ratio | 102.4749% | 317 |
| Assets per employee ($millions) | 3.2929% | 5,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8494% | 1,427 |
| Loan loss allowance to noncurrent loans | 442.0290% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 2.6326% | 856 |
| Noncurrent loans to loans | 0.4184% | 4,389 |
| Net loans and leases to total assets | 67.8032% | 2,588 |
| Net loans and leases to deposits | 73.7676% | 3,462 |
| Net loans and leases to core deposits | 76.0131% | 3,708 |
| Total domestic deposits to total assets | 91.9147% | 158 |
| Equity capital to assets | 6.1920% | 6,399 |
| Core capital (leverage) ratio | 6.0184% | 6,406 |
| Tier 1 risk-based capital ratio | 9.5261% | 6,345 |
| Total risk-based capital ratio | 10.7848% | 6,325 |
| Memoranda: | ||
| Average total assets | $96,601,800 | 4,685 |
| Average earning assets | $84,219,800 | 4,782 |
| Average equity | $5,877,600 | 5,646 |
| Average total loans | $69,849,000 | 4,186 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5192% | 1,804 |
| Cost of funding earning assets | 0.6592% | 1,396 |
| Net interest margin | 3.8601% | 2,392 |
| Noninterest income to average assets | -0.0372% | 6,505 |
| Noninterest expense to average assets | 3.3539% | 1,783 |
| Loan and lease loss provision to assets | 0.0385% | 3,633 |
| Net operating income to assets | -0.0688% | 6,199 |
| Return on assets (ROA) | -0.0688% | 6,202 |
| Pretax return on assets | -0.0688% | 6,181 |
| Return on Equity (ROE) | -1.1360% | 6,237 |
| Retained earnings to average equity (ytd only) | -1.1360% | 5,982 |
| Net charge-offs to loans | 0.6062% | 608 |
| Credit loss provision to net charge-offs | 8.6957% | 3,720 |
| Earnings coverage of net charge-offs (x) | -0.0683% | 4,460 |
| Efficiency ratio | 100.5797% | 348 |
| Assets per employee ($millions) | 3.2404% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9567% | 1,336 |
| Loan loss allowance to noncurrent loans | 96.9220% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 3.8277% | 535 |
| Noncurrent loans to loans | 2.0189% | 1,566 |
| Net loans and leases to total assets | 69.7887% | 2,226 |
| Net loans and leases to deposits | 78.4240% | 2,902 |
| Net loans and leases to core deposits | 80.8444% | 3,211 |
| Total domestic deposits to total assets | 88.9890% | 1,244 |
| Equity capital to assets | 6.0260% | 6,476 |
| Core capital (leverage) ratio | 6.1438% | 6,470 |
| Tier 1 risk-based capital ratio | 9.0108% | 6,478 |
| Total risk-based capital ratio | 10.2704% | 6,470 |
| Memoranda: | ||
| Average total assets | $96,878,750 | 4,721 |
| Average earning assets | $84,348,750 | 4,827 |
| Average equity | $5,868,750 | 5,704 |
| Average total loans | $70,819,250 | 4,194 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 1,683 |
| Cost of funding earning assets | 0.6632% | 1,416 |
| Net interest margin | 3.8817% | 2,245 |
| Noninterest income to average assets | 0.0971% | 6,294 |
| Noninterest expense to average assets | 3.4144% | 1,646 |
| Loan and lease loss provision to assets | 0.0289% | 3,695 |
| Net operating income to assets | 0.0289% | 6,160 |
| Return on assets (ROA) | 0.0289% | 6,185 |
| Pretax return on assets | 0.0289% | 6,175 |
| Return on Equity (ROE) | 0.4768% | 6,153 |
| Retained earnings to average equity (ytd only) | 0.4768% | 5,551 |
| Net charge-offs to loans | 0.0617% | 3,095 |
| Credit loss provision to net charge-offs | 63.6364% | 2,586 |
| Earnings coverage of net charge-offs (x) | 1.2727% | 3,850 |
| Efficiency ratio | 98.0357% | 462 |
| Assets per employee ($millions) | 3.1893% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3340% | 866 |
| Loan loss allowance to noncurrent loans | 30.5230% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 7.9954% | 138 |
| Noncurrent loans to loans | 7.6468% | 145 |
| Net loans and leases to total assets | 71.7235% | 1,792 |
| Net loans and leases to deposits | 80.8971% | 2,396 |
| Net loans and leases to core deposits | 83.4438% | 2,800 |
| Total domestic deposits to total assets | 88.6601% | 1,562 |
| Equity capital to assets | 6.1873% | 6,517 |
| Core capital (leverage) ratio | 6.2126% | 6,515 |
| Tier 1 risk-based capital ratio | 8.7271% | 6,553 |
| Total risk-based capital ratio | 9.9918% | 6,554 |
| Memoranda: | ||
| Average total assets | $96,767,670 | 4,756 |
| Average earning assets | $84,137,330 | 4,865 |
| Average equity | $5,872,330 | 5,743 |
| Average total loans | $71,360,000 | 4,186 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 1,333 |
| Cost of funding earning assets | 0.6626% | 1,494 |
| Net interest margin | 4.0039% | 1,746 |
| Noninterest income to average assets | 0.2631% | 5,256 |
| Noninterest expense to average assets | 3.4364% | 1,616 |
| Loan and lease loss provision to assets | 0.0575% | 2,966 |
| Net operating income to assets | 0.2466% | 5,673 |
| Return on assets (ROA) | 0.2466% | 5,719 |
| Pretax return on assets | 0.2466% | 5,838 |
| Return on Equity (ROE) | 4.1036% | 4,984 |
| Retained earnings to average equity (ytd only) | 4.1036% | 3,660 |
| Net charge-offs to loans | 1.8023% | 154 |
| Credit loss provision to net charge-offs | 4.3210% | 2,653 |
| Earnings coverage of net charge-offs (x) | 0.2284% | 3,390 |
| Efficiency ratio | 91.5385% | 910 |
| Assets per employee ($millions) | 3.2268% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8753% | 1,822 |
| Loan loss allowance to noncurrent loans | 43.5405% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 6.0090% | 280 |
| Noncurrent loans to loans | 4.3070% | 596 |
| Net loans and leases to total assets | 72.3217% | 1,531 |
| Net loans and leases to deposits | 81.3599% | 2,119 |
| Net loans and leases to core deposits | 83.6262% | 2,558 |
| Total domestic deposits to total assets | 88.8911% | 1,731 |
| Equity capital to assets | 6.1154% | 6,562 |
| Core capital (leverage) ratio | 6.1612% | 6,567 |
| Tier 1 risk-based capital ratio | 8.5881% | 6,608 |
| Total risk-based capital ratio | 9.8464% | 6,612 |
| Memoranda: | ||
| Average total assets | $97,311,500 | 4,790 |
| Average earning assets | $84,518,000 | 4,902 |
| Average equity | $5,848,500 | 5,784 |
| Average total loans | $71,907,500 | 4,206 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8319% | 1,251 |
| Cost of funding earning assets | 0.7371% | 1,579 |
| Net interest margin | 4.0949% | 1,659 |
| Noninterest income to average assets | -0.5225% | 6,793 |
| Noninterest expense to average assets | 3.4357% | 1,803 |
| Loan and lease loss provision to assets | 0.1349% | 2,624 |
| Net operating income to assets | -0.5964% | 6,522 |
| Return on assets (ROA) | -0.5705% | 6,517 |
| Pretax return on assets | -0.5705% | 6,503 |
| Return on Equity (ROE) | -10.0528% | 6,584 |
| Retained earnings to average equity (ytd only) | -10.0528% | 6,535 |
| Net charge-offs to loans | 0.5307% | 1,252 |
| Credit loss provision to net charge-offs | 34.3511% | 4,159 |
| Earnings coverage of net charge-offs (x) | -1.1756% | 5,276 |
| Efficiency ratio | 115.1495% | 213 |
| Assets per employee ($millions) | 3.2606% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2742% | 1,074 |
| Loan loss allowance to noncurrent loans | 49.4301% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 5.8312% | 333 |
| Noncurrent loans to loans | 4.6008% | 571 |
| Net loans and leases to total assets | 72.3977% | 1,614 |
| Net loans and leases to deposits | 81.2552% | 2,290 |
| Net loans and leases to core deposits | 83.4872% | 2,725 |
| Total domestic deposits to total assets | 89.0991% | 1,556 |
| Equity capital to assets | 5.9059% | 6,626 |
| Core capital (leverage) ratio | 5.9302% | 6,658 |
| Tier 1 risk-based capital ratio | 8.3916% | 6,682 |
| Total risk-based capital ratio | 9.6561% | 6,684 |
| Memoranda: | ||
| Average total assets | $100,095,600 | 4,734 |
| Average earning assets | $85,473,200 | 4,896 |
| Average equity | $5,680,000 | 5,890 |
| Average total loans | $74,050,600 | 4,127 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 1,196 |
| Cost of funding earning assets | 0.7509% | 1,604 |
| Net interest margin | 4.1178% | 1,581 |
| Noninterest income to average assets | -0.3536% | 6,857 |
| Noninterest expense to average assets | 3.4914% | 1,629 |
| Loan and lease loss provision to assets | 0.1788% | 2,035 |
| Net operating income to assets | -0.5232% | 6,608 |
| Return on assets (ROA) | -0.4887% | 6,607 |
| Pretax return on assets | -0.4887% | 6,593 |
| Return on Equity (ROE) | -8.6989% | 6,671 |
| Retained earnings to average equity (ytd only) | -8.6989% | 6,610 |
| Net charge-offs to loans | 0.2722% | 2,192 |
| Credit loss provision to net charge-offs | 88.8158% | 2,661 |
| Earnings coverage of net charge-offs (x) | -1.7105% | 5,068 |
| Efficiency ratio | 110.6061% | 261 |
| Assets per employee ($millions) | 3.2912% | 5,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5721% | 859 |
| Loan loss allowance to noncurrent loans | 48.9759% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 7.0804% | 282 |
| Noncurrent loans to loans | 5.2517% | 544 |
| Net loans and leases to total assets | 72.4693% | 1,533 |
| Net loans and leases to deposits | 81.4335% | 2,207 |
| Net loans and leases to core deposits | 83.9028% | 2,666 |
| Total domestic deposits to total assets | 88.9920% | 1,555 |
| Equity capital to assets | 5.9471% | 6,704 |
| Core capital (leverage) ratio | 6.1208% | 6,703 |
| Tier 1 risk-based capital ratio | 8.4407% | 6,751 |
| Total risk-based capital ratio | 9.7078% | 6,752 |
| Memoranda: | ||
| Average total assets | $100,665,000 | 4,769 |
| Average earning assets | $85,578,500 | 4,939 |
| Average equity | $5,655,750 | 5,957 |
| Average total loans | $74,446,750 | 4,131 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8718% | 1,170 |
| Cost of funding earning assets | 0.7727% | 1,566 |
| Net interest margin | 4.0991% | 1,545 |
| Noninterest income to average assets | -0.6653% | 6,919 |
| Noninterest expense to average assets | 3.5851% | 1,438 |
| Loan and lease loss provision to assets | 0.2665% | 1,392 |
| Net operating income to assets | -1.0503% | 6,765 |
| Return on assets (ROA) | -0.9989% | 6,757 |
| Pretax return on assets | -0.9989% | 6,734 |
| Return on Equity (ROE) | -18.1243% | 6,814 |
| Retained earnings to average equity (ytd only) | -18.1243% | 6,786 |
| Net charge-offs to loans | 0.3504% | 1,792 |
| Credit loss provision to net charge-offs | 103.0534% | 2,149 |
| Earnings coverage of net charge-offs (x) | -3.0305% | 4,792 |
| Efficiency ratio | 127.6251% | 144 |
| Assets per employee ($millions) | 3.2806% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6095% | 879 |
| Loan loss allowance to noncurrent loans | 48.4034% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 7.7375% | 279 |
| Noncurrent loans to loans | 5.3912% | 572 |
| Net loans and leases to total assets | 72.4306% | 1,501 |
| Net loans and leases to deposits | 80.7028% | 2,222 |
| Net loans and leases to core deposits | 83.1039% | 2,684 |
| Total domestic deposits to total assets | 89.7497% | 1,173 |
| Equity capital to assets | 5.2491% | 6,807 |
| Core capital (leverage) ratio | 5.2295% | 6,811 |
| Tier 1 risk-based capital ratio | 7.2979% | 6,829 |
| Total risk-based capital ratio | 8.5647% | 6,828 |
| Memoranda: | ||
| Average total assets | $101,307,670 | 4,782 |
| Average earning assets | $85,677,330 | 4,958 |
| Average equity | $5,583,670 | 6,025 |
| Average total loans | $74,781,330 | 4,143 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9886% | 907 |
| Cost of funding earning assets | 0.7906% | 1,583 |
| Net interest margin | 4.1980% | 1,188 |
| Noninterest income to average assets | -0.0740% | 6,910 |
| Noninterest expense to average assets | 3.6476% | 1,341 |
| Loan and lease loss provision to assets | 0.2920% | 1,202 |
| Net operating income to assets | -0.4788% | 6,663 |
| Return on assets (ROA) | -0.3776% | 6,653 |
| Pretax return on assets | -0.3776% | 6,627 |
| Return on Equity (ROE) | -6.6983% | 6,736 |
| Retained earnings to average equity (ytd only) | -6.6983% | 6,454 |
| Net charge-offs to loans | 0.1535% | 2,480 |
| Credit loss provision to net charge-offs | 258.6207% | 897 |
| Earnings coverage of net charge-offs (x) | -1.6552% | 4,003 |
| Efficiency ratio | 105.0619% | 418 |
| Assets per employee ($millions) | 3.5112% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6068% | 1,003 |
| Loan loss allowance to noncurrent loans | 90.1200% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 6.0574% | 527 |
| Noncurrent loans to loans | 2.8926% | 1,747 |
| Net loans and leases to total assets | 71.6212% | 1,413 |
| Net loans and leases to deposits | 79.9660% | 2,077 |
| Net loans and leases to core deposits | 82.2662% | 2,537 |
| Total domestic deposits to total assets | 89.5646% | 1,317 |
| Equity capital to assets | 5.6194% | 6,851 |
| Core capital (leverage) ratio | 5.5555% | 6,838 |
| Tier 1 risk-based capital ratio | 7.6647% | 6,870 |
| Total risk-based capital ratio | 8.9319% | 6,869 |
| Memoranda: | ||
| Average total assets | $102,753,000 | 4,796 |
| Average earning assets | $86,516,500 | 4,975 |
| Average equity | $5,792,500 | 6,035 |
| Average total loans | $75,575,000 | 4,145 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3238% | 885 |
| Cost of funding earning assets | 0.9997% | 1,364 |
| Net interest margin | 4.3241% | 1,339 |
| Noninterest income to average assets | -0.7323% | 7,047 |
| Noninterest expense to average assets | 3.1919% | 2,643 |
| Loan and lease loss provision to assets | 1.0071% | 408 |
| Net operating income to assets | -1.3169% | 6,825 |
| Return on assets (ROA) | -1.3169% | 6,833 |
| Pretax return on assets | -1.3169% | 6,806 |
| Return on Equity (ROE) | -21.3696% | 6,899 |
| Retained earnings to average equity (ytd only) | -21.3696% | 6,870 |
| Net charge-offs to loans | 0.9210% | 1,219 |
| Credit loss provision to net charge-offs | 150.4132% | 1,815 |
| Earnings coverage of net charge-offs (x) | -0.4628% | 5,663 |
| Efficiency ratio | 110.4000% | 327 |
| Assets per employee ($millions) | 3.3445% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4990% | 1,131 |
| Loan loss allowance to noncurrent loans | 154.5823% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 5.1717% | 740 |
| Noncurrent loans to loans | 1.6166% | 3,203 |
| Net loans and leases to total assets | 71.7236% | 1,527 |
| Net loans and leases to deposits | 79.9387% | 2,292 |
| Net loans and leases to core deposits | 82.4213% | 2,722 |
| Total domestic deposits to total assets | 89.7232% | 1,111 |
| Equity capital to assets | 5.6549% | 6,912 |
| Core capital (leverage) ratio | 5.4248% | 6,900 |
| Tier 1 risk-based capital ratio | 7.7347% | 6,925 |
| Total risk-based capital ratio | 9.0006% | 6,926 |
| Memoranda: | ||
| Average total assets | $108,432,400 | 4,628 |
| Average earning assets | $90,631,000 | 4,852 |
| Average equity | $6,682,400 | 5,854 |
| Average total loans | $78,826,000 | 4,073 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3119% | 990 |
| Cost of funding earning assets | 1.0377% | 1,352 |
| Net interest margin | 4.2742% | 1,543 |
| Noninterest income to average assets | -0.5935% | 7,142 |
| Noninterest expense to average assets | 3.1855% | 2,613 |
| Loan and lease loss provision to assets | 1.2978% | 266 |
| Net operating income to assets | -1.4997% | 6,969 |
| Return on assets (ROA) | -1.4997% | 6,978 |
| Pretax return on assets | -1.4997% | 6,956 |
| Return on Equity (ROE) | -23.8696% | 7,027 |
| Retained earnings to average equity (ytd only) | -23.8696% | 7,016 |
| Net charge-offs to loans | 0.0738% | 4,671 |
| Credit loss provision to net charge-offs | 2,425.0000% | 112 |
| Earnings coverage of net charge-offs (x) | -3.7725% | 5,687 |
| Efficiency ratio | 106.4411% | 370 |
| Assets per employee ($millions) | 3.4780% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3268% | 537 |
| Loan loss allowance to noncurrent loans | 99.8442% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 6.5749% | 567 |
| Noncurrent loans to loans | 3.3320% | 1,651 |
| Net loans and leases to total assets | 69.0769% | 2,096 |
| Net loans and leases to deposits | 76.9305% | 2,829 |
| Net loans and leases to core deposits | 78.7877% | 3,354 |
| Total domestic deposits to total assets | 89.7912% | 955 |
| Equity capital to assets | 5.6298% | 7,011 |
| Core capital (leverage) ratio | 5.4239% | 6,985 |
| Tier 1 risk-based capital ratio | 7.7160% | 7,010 |
| Total risk-based capital ratio | 8.9913% | 7,009 |
| Memoranda: | ||
| Average total assets | $109,620,500 | 4,650 |
| Average earning assets | $91,741,750 | 4,859 |
| Average equity | $6,887,250 | 5,859 |
| Average total loans | $79,465,250 | 4,096 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3413% | 972 |
| Cost of funding earning assets | 1.1025% | 1,211 |
| Net interest margin | 4.2387% | 1,640 |
| Noninterest income to average assets | -0.9798% | 7,220 |
| Noninterest expense to average assets | 3.1736% | 2,674 |
| Loan and lease loss provision to assets | 0.1815% | 3,288 |
| Net operating income to assets | -0.7911% | 6,855 |
| Return on assets (ROA) | -0.7911% | 6,880 |
| Pretax return on assets | -0.7911% | 6,848 |
| Return on Equity (ROE) | -12.1793% | 6,944 |
| Retained earnings to average equity (ytd only) | -12.1793% | 6,892 |
| Net charge-offs to loans | 0.1943% | 3,420 |
| Credit loss provision to net charge-offs | 128.2051% | 2,150 |
| Earnings coverage of net charge-offs (x) | -4.3077% | 5,439 |
| Efficiency ratio | 123.4253% | 203 |
| Assets per employee ($millions) | 3.5087% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0425% | 2,126 |
| Loan loss allowance to noncurrent loans | 81.3118% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 5.9722% | 716 |
| Noncurrent loans to loans | 2.5119% | 2,405 |
| Net loans and leases to total assets | 68.8731% | 2,127 |
| Net loans and leases to deposits | 77.1792% | 2,804 |
| Net loans and leases to core deposits | 79.0365% | 3,362 |
| Total domestic deposits to total assets | 89.2379% | 1,365 |
| Equity capital to assets | 6.2894% | 7,005 |
| Core capital (leverage) ratio | 6.0793% | 6,981 |
| Tier 1 risk-based capital ratio | 8.6653% | 7,001 |
| Total risk-based capital ratio | 9.9270% | 7,003 |
| Memoranda: | ||
| Average total assets | $110,221,000 | 4,664 |
| Average earning assets | $92,150,670 | 4,865 |
| Average equity | $7,159,670 | 5,797 |
| Average total loans | $80,273,330 | 4,098 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3594% | 986 |
| Cost of funding earning assets | 1.1555% | 1,156 |
| Net interest margin | 4.2039% | 1,752 |
| Noninterest income to average assets | 0.3822% | 4,811 |
| Noninterest expense to average assets | 3.2124% | 2,560 |
| Loan and lease loss provision to assets | 0.2704% | 2,294 |
| Net operating income to assets | 0.4146% | 5,196 |
| Return on assets (ROA) | 0.4146% | 5,385 |
| Pretax return on assets | 0.4146% | 5,679 |
| Return on Equity (ROE) | 6.2850% | 4,147 |
| Retained earnings to average equity (ytd only) | 6.2850% | 2,802 |
| Net charge-offs to loans | 0.1752% | 3,043 |
| Credit loss provision to net charge-offs | 208.3333% | 1,302 |
| Earnings coverage of net charge-offs (x) | 5.2778% | 2,406 |
| Efficiency ratio | 82.1462% | 1,918 |
| Assets per employee ($millions) | 3.5201% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9474% | 2,531 |
| Loan loss allowance to noncurrent loans | 81.5599% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 6.3511% | 719 |
| Noncurrent loans to loans | 2.3877% | 2,718 |
| Net loans and leases to total assets | 70.5811% | 1,653 |
| Net loans and leases to deposits | 80.2965% | 2,164 |
| Net loans and leases to core deposits | 82.1891% | 2,803 |
| Total domestic deposits to total assets | 87.9006% | 2,393 |
| Equity capital to assets | 6.5437% | 7,003 |
| Core capital (leverage) ratio | 6.4989% | 6,971 |
| Tier 1 risk-based capital ratio | 8.8926% | 7,042 |
| Total risk-based capital ratio | 10.1505% | 7,043 |
| Memoranda: | ||
| Average total assets | $110,946,000 | 4,688 |
| Average earning assets | $92,771,000 | 4,884 |
| Average equity | $7,319,000 | 5,786 |
| Average total loans | $82,172,000 | 4,060 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1384% | 2,298 |
| Cost of funding earning assets | 1.4956% | 733 |
| Net interest margin | 3.6428% | 4,550 |
| Noninterest income to average assets | 0.0196% | 6,936 |
| Noninterest expense to average assets | 3.0521% | 3,378 |
| Loan and lease loss provision to assets | 2.4277% | 189 |
| Net operating income to assets | -2.3791% | 7,094 |
| Return on assets (ROA) | -2.3791% | 7,106 |
| Pretax return on assets | -2.3791% | 7,101 |
| Return on Equity (ROE) | -29.8659% | 7,092 |
| Retained earnings to average equity (ytd only) | -29.8659% | 7,085 |
| Net charge-offs to loans | 3.3719% | 236 |
| Credit loss provision to net charge-offs | 101.4255% | 3,422 |
| Earnings coverage of net charge-offs (x) | 0.0203% | 5,804 |
| Efficiency ratio | 98.1293% | 722 |
| Assets per employee ($millions) | 3.5242% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 2,711 |
| Loan loss allowance to noncurrent loans | 43.7998% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 7.0535% | 644 |
| Noncurrent loans to loans | 4.2229% | 1,451 |
| Net loans and leases to total assets | 74.8018% | 1,126 |
| Net loans and leases to deposits | 85.4536% | 1,736 |
| Net loans and leases to core deposits | 87.2994% | 2,463 |
| Total domestic deposits to total assets | 87.5350% | 2,452 |
| Equity capital to assets | 6.6517% | 7,028 |
| Core capital (leverage) ratio | 6.4066% | 6,996 |
| Tier 1 risk-based capital ratio | 8.7346% | 7,058 |
| Total risk-based capital ratio | 9.9918% | 7,059 |
| Memoranda: | ||
| Average total assets | $117,230,000 | 4,476 |
| Average earning assets | $99,154,600 | 4,658 |
| Average equity | $9,338,400 | 5,200 |
| Average total loans | $83,216,600 | 4,043 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0426% | 2,877 |
| Cost of funding earning assets | 1.5629% | 683 |
| Net interest margin | 3.4796% | 5,273 |
| Noninterest income to average assets | 0.3590% | 4,998 |
| Noninterest expense to average assets | 3.0630% | 3,306 |
| Loan and lease loss provision to assets | 1.0333% | 818 |
| Net operating income to assets | -0.7895% | 6,791 |
| Return on assets (ROA) | -0.7895% | 6,827 |
| Pretax return on assets | -0.7895% | 6,779 |
| Return on Equity (ROE) | -9.5504% | 6,882 |
| Retained earnings to average equity (ytd only) | -9.5504% | 6,845 |
| Net charge-offs to loans | 1.5063% | 964 |
| Credit loss provision to net charge-offs | 98.2979% | 3,475 |
| Earnings coverage of net charge-offs (x) | 0.2319% | 5,423 |
| Efficiency ratio | 92.3571% | 1,007 |
| Assets per employee ($millions) | 3.7051% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8721% | 2,712 |
| Loan loss allowance to noncurrent loans | 39.7429% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 8.7352% | 464 |
| Noncurrent loans to loans | 4.7105% | 1,367 |
| Net loans and leases to total assets | 67.7233% | 2,531 |
| Net loans and leases to deposits | 78.4249% | 2,898 |
| Net loans and leases to core deposits | 80.6781% | 3,536 |
| Total domestic deposits to total assets | 86.3543% | 3,011 |
| Equity capital to assets | 8.1388% | 6,612 |
| Core capital (leverage) ratio | 7.6588% | 6,666 |
| Tier 1 risk-based capital ratio | 11.3350% | 6,334 |
| Total risk-based capital ratio | 12.5925% | 6,325 |
| Memoranda: | ||
| Average total assets | $119,225,000 | 4,451 |
| Average earning assets | $101,004,250 | 4,644 |
| Average equity | $9,856,250 | 5,076 |
| Average total loans | $83,205,500 | 4,080 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 3,556 |
| Cost of funding earning assets | 1.6031% | 685 |
| Net interest margin | 3.3107% | 5,825 |
| Noninterest income to average assets | 0.3712% | 4,896 |
| Noninterest expense to average assets | 3.0278% | 3,529 |
| Loan and lease loss provision to assets | 0.2718% | 3,222 |
| Net operating income to assets | -0.0978% | 6,347 |
| Return on assets (ROA) | -0.0978% | 6,401 |
| Pretax return on assets | -0.0945% | 6,359 |
| Return on Equity (ROE) | -1.1770% | 6,422 |
| Retained earnings to average equity (ytd only) | -1.1770% | 6,084 |
| Net charge-offs to loans | 0.7312% | 2,046 |
| Credit loss provision to net charge-offs | 53.0744% | 4,508 |
| Earnings coverage of net charge-offs (x) | 0.3463% | 5,049 |
| Efficiency ratio | 94.2089% | 964 |
| Assets per employee ($millions) | 3.9288% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 3,585 |
| Loan loss allowance to noncurrent loans | 19.5076% | 6,733 |
| Noncurrent assets plus other real estate owned to assets | 8.8429% | 478 |
| Noncurrent loans to loans | 8.3505% | 520 |
| Net loans and leases to total assets | 67.1845% | 2,794 |
| Net loans and leases to deposits | 78.3744% | 3,061 |
| Net loans and leases to core deposits | 80.3113% | 3,745 |
| Total domestic deposits to total assets | 85.7225% | 3,483 |
| Equity capital to assets | 8.1959% | 6,518 |
| Core capital (leverage) ratio | 8.1640% | 6,082 |
| Tier 1 risk-based capital ratio | 11.7556% | 5,969 |
| Total risk-based capital ratio | 13.0103% | 5,964 |
| Memoranda: | ||
| Average total assets | $120,681,000 | 4,432 |
| Average earning assets | $103,302,670 | 4,620 |
| Average equity | $10,025,670 | 5,043 |
| Average total loans | $84,517,670 | 4,078 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0086% | 3,070 |
| Cost of funding earning assets | 1.6799% | 605 |
| Net interest margin | 3.3287% | 5,681 |
| Noninterest income to average assets | 0.4196% | 4,543 |
| Noninterest expense to average assets | 2.8137% | 4,389 |
| Loan and lease loss provision to assets | 0.2464% | 3,196 |
| Net operating income to assets | 0.2098% | 5,759 |
| Return on assets (ROA) | 0.2098% | 5,818 |
| Pretax return on assets | 0.2098% | 5,918 |
| Return on Equity (ROE) | 2.5081% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.5081% | 4,654 |
| Net charge-offs to loans | 0.1174% | 3,829 |
| Credit loss provision to net charge-offs | 296.0000% | 1,087 |
| Earnings coverage of net charge-offs (x) | 5.4800% | 2,274 |
| Efficiency ratio | 85.7434% | 1,737 |
| Assets per employee ($millions) | 3.8431% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8397% | 2,888 |
| Loan loss allowance to noncurrent loans | 27.1850% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 7.6325% | 646 |
| Noncurrent loans to loans | 6.7674% | 845 |
| Net loans and leases to total assets | 69.3737% | 2,249 |
| Net loans and leases to deposits | 81.2108% | 2,494 |
| Net loans and leases to core deposits | 83.2694% | 3,267 |
| Total domestic deposits to total assets | 85.4242% | 3,825 |
| Equity capital to assets | 8.4634% | 5,962 |
| Core capital (leverage) ratio | 8.2297% | 5,937 |
| Tier 1 risk-based capital ratio | 11.9205% | 5,760 |
| Total risk-based capital ratio | 13.1777% | 5,745 |
| Memoranda: | ||
| Average total assets | $120,125,000 | 4,479 |
| Average earning assets | $102,863,000 | 4,663 |
| Average equity | $10,047,500 | 5,039 |
| Average total loans | $85,186,000 | 4,099 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5430% | 2,114 |
| Cost of funding earning assets | 2.0996% | 432 |
| Net interest margin | 3.4433% | 5,462 |
| Noninterest income to average assets | 0.6099% | 3,402 |
| Noninterest expense to average assets | 2.8559% | 4,390 |
| Loan and lease loss provision to assets | 1.2231% | 1,279 |
| Net operating income to assets | -0.4802% | 6,376 |
| Return on assets (ROA) | -0.4802% | 6,405 |
| Pretax return on assets | -0.4802% | 6,303 |
| Return on Equity (ROE) | -6.1848% | 6,509 |
| Retained earnings to average equity (ytd only) | -6.1848% | 6,399 |
| Net charge-offs to loans | 2.0073% | 1,004 |
| Credit loss provision to net charge-offs | 80.2555% | 5,556 |
| Earnings coverage of net charge-offs (x) | 0.4875% | 5,627 |
| Efficiency ratio | 79.1075% | 2,520 |
| Assets per employee ($millions) | 4.0371% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7407% | 3,073 |
| Loan loss allowance to noncurrent loans | 28.6478% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 7.1759% | 747 |
| Noncurrent loans to loans | 6.0761% | 1,016 |
| Net loans and leases to total assets | 69.9126% | 2,551 |
| Net loans and leases to deposits | 81.6591% | 2,874 |
| Net loans and leases to core deposits | 83.4811% | 3,670 |
| Total domestic deposits to total assets | 85.6152% | 3,548 |
| Equity capital to assets | 8.2666% | 6,185 |
| Core capital (leverage) ratio | 8.0787% | 6,062 |
| Tier 1 risk-based capital ratio | 11.3980% | 5,994 |
| Total risk-based capital ratio | 12.6139% | 6,019 |
| Memoranda: | ||
| Average total assets | $123,290,400 | 4,418 |
| Average earning assets | $107,018,600 | 4,530 |
| Average equity | $9,571,800 | 5,244 |
| Average total loans | $93,610,000 | 3,964 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6897% | 1,749 |
| Cost of funding earning assets | 2.1730% | 414 |
| Net interest margin | 3.5167% | 5,224 |
| Noninterest income to average assets | 0.5394% | 3,867 |
| Noninterest expense to average assets | 2.6680% | 5,013 |
| Loan and lease loss provision to assets | 0.6417% | 2,381 |
| Net operating income to assets | 0.2929% | 5,194 |
| Return on assets (ROA) | 0.2929% | 5,366 |
| Pretax return on assets | 0.2929% | 5,533 |
| Return on Equity (ROE) | 3.8329% | 4,856 |
| Retained earnings to average equity (ytd only) | 3.8329% | 3,760 |
| Net charge-offs to loans | 1.4510% | 1,400 |
| Credit loss provision to net charge-offs | 57.3628% | 5,758 |
| Earnings coverage of net charge-offs (x) | 0.8354% | 5,219 |
| Efficiency ratio | 73.8195% | 3,357 |
| Assets per employee ($millions) | 4.2149% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 3,515 |
| Loan loss allowance to noncurrent loans | 20.3971% | 6,896 |
| Noncurrent assets plus other real estate owned to assets | 7.6551% | 675 |
| Noncurrent loans to loans | 7.8580% | 671 |
| Net loans and leases to total assets | 71.7210% | 2,311 |
| Net loans and leases to deposits | 84.0953% | 2,687 |
| Net loans and leases to core deposits | 85.7562% | 3,694 |
| Total domestic deposits to total assets | 85.2854% | 3,475 |
| Equity capital to assets | 8.6385% | 6,117 |
| Core capital (leverage) ratio | 8.5150% | 5,479 |
| Tier 1 risk-based capital ratio | 11.7505% | 5,686 |
| Total risk-based capital ratio | 12.9828% | 5,672 |
| Memoranda: | ||
| Average total assets | $123,834,500 | 4,461 |
| Average earning assets | $107,864,750 | 4,572 |
| Average equity | $9,461,750 | 5,358 |
| Average total loans | $95,469,000 | 3,983 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7526% | 1,546 |
| Cost of funding earning assets | 2.2592% | 390 |
| Net interest margin | 3.4933% | 5,274 |
| Noninterest income to average assets | 0.6159% | 3,220 |
| Noninterest expense to average assets | 2.6261% | 5,220 |
| Loan and lease loss provision to assets | 0.2798% | 4,161 |
| Net operating income to assets | 0.7735% | 3,096 |
| Return on assets (ROA) | 0.7735% | 3,246 |
| Pretax return on assets | 0.7735% | 3,973 |
| Return on Equity (ROE) | 10.5761% | 1,905 |
| Retained earnings to average equity (ytd only) | 10.5761% | 730 |
| Net charge-offs to loans | 0.1414% | 4,815 |
| Credit loss provision to net charge-offs | 252.1739% | 1,516 |
| Earnings coverage of net charge-offs (x) | 9.4928% | 2,015 |
| Efficiency ratio | 71.1538% | 3,962 |
| Assets per employee ($millions) | 4.2611% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1232% | 1,916 |
| Loan loss allowance to noncurrent loans | 39.5200% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 6.4537% | 869 |
| Noncurrent loans to loans | 5.3724% | 1,239 |
| Net loans and leases to total assets | 73.7159% | 1,976 |
| Net loans and leases to deposits | 85.2276% | 2,653 |
| Net loans and leases to core deposits | 86.8669% | 3,720 |
| Total domestic deposits to total assets | 86.4930% | 2,824 |
| Equity capital to assets | 7.5122% | 7,106 |
| Core capital (leverage) ratio | 7.2093% | 7,064 |
| Tier 1 risk-based capital ratio | 10.0348% | 7,001 |
| Total risk-based capital ratio | 11.2781% | 6,988 |
| Memoranda: | ||
| Average total assets | $124,368,670 | 4,482 |
| Average earning assets | $109,064,670 | 4,582 |
| Average equity | $9,096,000 | 5,477 |
| Average total loans | $97,594,000 | 3,975 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0609% | 858 |
| Cost of funding earning assets | 2.3415% | 374 |
| Net interest margin | 3.7195% | 4,152 |
| Noninterest income to average assets | 0.9105% | 1,583 |
| Noninterest expense to average assets | 2.5071% | 5,701 |
| Loan and lease loss provision to assets | 0.2789% | 3,799 |
| Net operating income to assets | 1.4042% | 1,065 |
| Return on assets (ROA) | 1.4042% | 1,137 |
| Pretax return on assets | 1.4042% | 1,766 |
| Return on Equity (ROE) | 19.4613% | 412 |
| Retained earnings to average equity (ytd only) | 19.4613% | 200 |
| Net charge-offs to loans | 0.0361% | 5,076 |
| Credit loss provision to net charge-offs | 966.6667% | 479 |
| Earnings coverage of net charge-offs (x) | 58.3333% | 512 |
| Efficiency ratio | 59.6021% | 6,243 |
| Assets per employee ($millions) | 4.7013% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9765% | 2,252 |
| Loan loss allowance to noncurrent loans | 31.1292% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 5.5177% | 1,120 |
| Noncurrent loans to loans | 6.3493% | 995 |
| Net loans and leases to total assets | 76.1486% | 1,508 |
| Net loans and leases to deposits | 94.0767% | 1,340 |
| Net loans and leases to core deposits | 96.1571% | 2,567 |
| Total domestic deposits to total assets | 80.9432% | 5,479 |
| Equity capital to assets | 7.2564% | 7,243 |
| Core capital (leverage) ratio | 7.3403% | 6,991 |
| Tier 1 risk-based capital ratio | 9.8153% | 7,141 |
| Total risk-based capital ratio | 11.0536% | 7,148 |
| Memoranda: | ||
| Average total assets | $124,766,500 | 4,528 |
| Average earning assets | $110,016,000 | 4,610 |
| Average equity | $9,002,500 | 5,546 |
| Average total loans | $99,856,500 | 3,964 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9159% | 2,170 |
| Cost of funding earning assets | 2.8070% | 439 |
| Net interest margin | 3.1089% | 6,341 |
| Noninterest income to average assets | 0.2845% | 6,067 |
| Noninterest expense to average assets | 2.9890% | 4,188 |
| Loan and lease loss provision to assets | 0.9004% | 2,500 |
| Net operating income to assets | -0.8301% | 6,460 |
| Return on assets (ROA) | -0.8159% | 6,447 |
| Pretax return on assets | -0.8159% | 6,274 |
| Return on Equity (ROE) | -10.5280% | 6,655 |
| Retained earnings to average equity (ytd only) | -10.5280% | 6,553 |
| Net charge-offs to loans | 0.2114% | 5,304 |
| Credit loss provision to net charge-offs | 519.8068% | 587 |
| Earnings coverage of net charge-offs (x) | 0.4058% | 5,707 |
| Efficiency ratio | 97.4015% | 1,246 |
| Assets per employee ($millions) | 3.7151% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8506% | 2,409 |
| Loan loss allowance to noncurrent loans | 36.7728% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 4.7424% | 1,334 |
| Noncurrent loans to loans | 5.0324% | 1,344 |
| Net loans and leases to total assets | 80.9424% | 845 |
| Net loans and leases to deposits | 101.7722% | 766 |
| Net loans and leases to core deposits | 156.2454% | 392 |
| Total domestic deposits to total assets | 79.5329% | 5,836 |
| Equity capital to assets | 7.1731% | 7,283 |
| Core capital (leverage) ratio | 7.1568% | 7,106 |
| Tier 1 risk-based capital ratio | 9.2917% | 7,338 |
| Total risk-based capital ratio | 10.5522% | 7,323 |
| Memoranda: | ||
| Average total assets | $119,503,000 | 4,582 |
| Average earning assets | $106,661,800 | 4,665 |
| Average equity | $9,261,000 | 5,527 |
| Average total loans | $97,903,600 | 4,008 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9470% | 2,241 |
| Cost of funding earning assets | 2.8921% | 476 |
| Net interest margin | 3.0549% | 6,446 |
| Noninterest income to average assets | 0.2796% | 6,236 |
| Noninterest expense to average assets | 2.9590% | 4,212 |
| Loan and lease loss provision to assets | 0.1965% | 5,422 |
| Net operating income to assets | -0.1359% | 5,959 |
| Return on assets (ROA) | -0.1168% | 5,947 |
| Pretax return on assets | -0.1168% | 5,867 |
| Return on Equity (ROE) | -1.4786% | 6,015 |
| Retained earnings to average equity (ytd only) | -1.4786% | 5,604 |
| Net charge-offs to loans | 0.1552% | 5,158 |
| Credit loss provision to net charge-offs | 154.8673% | 3,091 |
| Earnings coverage of net charge-offs (x) | 0.4779% | 5,550 |
| Efficiency ratio | 97.6943% | 1,180 |
| Assets per employee ($millions) | 3.6832% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 5,911 |
| Loan loss allowance to noncurrent loans | 28.4644% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 3.5773% | 1,844 |
| Noncurrent loans to loans | 3.7539% | 1,985 |
| Net loans and leases to total assets | 81.0506% | 968 |
| Net loans and leases to deposits | 105.2658% | 693 |
| Net loans and leases to core deposits | 157.8506% | 417 |
| Total domestic deposits to total assets | 76.9962% | 6,336 |
| Equity capital to assets | 7.8983% | 6,948 |
| Core capital (leverage) ratio | 7.9018% | 6,500 |
| Tier 1 risk-based capital ratio | 10.3122% | 6,665 |
| Total risk-based capital ratio | 11.4691% | 6,700 |
| Memoranda: | ||
| Average total assets | $118,729,500 | 4,632 |
| Average earning assets | $106,494,500 | 4,691 |
| Average equity | $9,377,750 | 5,526 |
| Average total loans | $97,103,500 | 4,060 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8794% | 2,678 |
| Cost of funding earning assets | 2.9435% | 552 |
| Net interest margin | 2.9359% | 6,717 |
| Noninterest income to average assets | 0.2700% | 6,338 |
| Noninterest expense to average assets | 2.9425% | 4,322 |
| Loan and lease loss provision to assets | 0.1970% | 5,087 |
| Net operating income to assets | -0.2275% | 6,227 |
| Return on assets (ROA) | -0.2275% | 6,248 |
| Pretax return on assets | -0.2275% | 6,156 |
| Return on Equity (ROE) | -2.8806% | 6,348 |
| Retained earnings to average equity (ytd only) | -2.8806% | 5,946 |
| Net charge-offs to loans | 0.0249% | 6,137 |
| Credit loss provision to net charge-offs | 966.6667% | 509 |
| Earnings coverage of net charge-offs (x) | -1.5000% | 6,312 |
| Efficiency ratio | 100.7580% | 1,139 |
| Assets per employee ($millions) | 3.5039% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 5,301 |
| Loan loss allowance to noncurrent loans | 48.1079% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 2.4905% | 2,590 |
| Noncurrent loans to loans | 2.3795% | 3,033 |
| Net loans and leases to total assets | 80.1717% | 1,284 |
| Net loans and leases to deposits | 104.5378% | 872 |
| Net loans and leases to core deposits | 132.8202% | 1,381 |
| Total domestic deposits to total assets | 76.6916% | 6,400 |
| Equity capital to assets | 7.7972% | 6,983 |
| Core capital (leverage) ratio | 7.7278% | 6,708 |
| Tier 1 risk-based capital ratio | 10.2480% | 6,656 |
| Total risk-based capital ratio | 11.4878% | 6,595 |
| Memoranda: | ||
| Average total assets | $117,791,000 | 4,691 |
| Average earning assets | $105,997,330 | 4,724 |
| Average equity | $9,303,670 | 5,579 |
| Average total loans | $96,279,000 | 4,106 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7064% | 3,774 |
| Cost of funding earning assets | 3.0035% | 601 |
| Net interest margin | 2.7028% | 7,201 |
| Noninterest income to average assets | 0.2664% | 6,311 |
| Noninterest expense to average assets | 2.8484% | 4,341 |
| Loan and lease loss provision to assets | 0.1776% | 4,682 |
| Net operating income to assets | -0.3040% | 6,685 |
| Return on assets (ROA) | -0.3040% | 6,759 |
| Pretax return on assets | -0.3040% | 6,678 |
| Return on Equity (ROE) | -3.8234% | 6,873 |
| Retained earnings to average equity (ytd only) | -3.8234% | 6,406 |
| Net charge-offs to loans | 0.0333% | 5,048 |
| Credit loss provision to net charge-offs | 650.0000% | 888 |
| Earnings coverage of net charge-offs (x) | -4.6250% | 5,561 |
| Efficiency ratio | 104.2660% | 975 |
| Assets per employee ($millions) | 3.4253% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 5,553 |
| Loan loss allowance to noncurrent loans | 40.1227% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 2.9340% | 1,938 |
| Noncurrent loans to loans | 2.7110% | 2,422 |
| Net loans and leases to total assets | 81.6746% | 1,068 |
| Net loans and leases to deposits | 107.1365% | 777 |
| Net loans and leases to core deposits | 137.7458% | 1,214 |
| Total domestic deposits to total assets | 76.2341% | 6,467 |
| Equity capital to assets | 7.9769% | 6,846 |
| Core capital (leverage) ratio | 7.7714% | 6,786 |
| Tier 1 risk-based capital ratio | 10.4308% | 6,464 |
| Total risk-based capital ratio | 11.6253% | 6,434 |
| Memoranda: | ||
| Average total assets | $117,120,000 | 4,727 |
| Average earning assets | $106,407,500 | 4,736 |
| Average equity | $9,311,000 | 5,602 |
| Average total loans | $96,110,000 | 4,143 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7587% | 1,837 |
| Cost of funding earning assets | 3.4424% | 619 |
| Net interest margin | 3.3164% | 5,978 |
| Noninterest income to average assets | 0.3514% | 5,917 |
| Noninterest expense to average assets | 3.2375% | 3,197 |
| Loan and lease loss provision to assets | 0.1391% | 5,578 |
| Net operating income to assets | 0.0172% | 6,322 |
| Return on assets (ROA) | 0.0172% | 6,181 |
| Pretax return on assets | 0.0172% | 6,123 |
| Return on Equity (ROE) | 0.2093% | 6,160 |
| Retained earnings to average equity (ytd only) | -1.0467% | 5,616 |
| Net charge-offs to loans | 0.0437% | 6,162 |
| Credit loss provision to net charge-offs | 375.6098% | 1,168 |
| Earnings coverage of net charge-offs (x) | 4.2195% | 4,064 |
| Efficiency ratio | 95.1025% | 1,214 |
| Assets per employee ($millions) | 3.2716% | 5,285 |
| Cash dividends to net income (ytd only)* | 600.0000% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 5,686 |
| Loan loss allowance to noncurrent loans | 151.3595% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.9730% | 4,400 |
| Noncurrent loans to loans | 0.6892% | 5,318 |
| Net loans and leases to total assets | 80.7045% | 1,504 |
| Net loans and leases to deposits | 108.1869% | 959 |
| Net loans and leases to core deposits | 153.8199% | 720 |
| Total domestic deposits to total assets | 74.5973% | 6,538 |
| Equity capital to assets | 7.9233% | 6,938 |
| Core capital (leverage) ratio | 7.8063% | 6,792 |
| Tier 1 risk-based capital ratio | 10.4854% | 6,223 |
| Total risk-based capital ratio | 11.6325% | 6,210 |
| Memoranda: | ||
| Average total assets | $110,701,800 | 4,757 |
| Average earning assets | $101,557,400 | 4,765 |
| Average equity | $9,076,400 | 5,716 |
| Average total loans | $93,856,200 | 4,110 |