Home > Idaho Trust Bank > Performance and Condition Ratios
Idaho Trust 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 | 5.1362% | 1,780 |
| Cost of funding earning assets | 1.0139% | 3,267 |
| Net interest margin | 4.1224% | 1,048 |
| Noninterest income to average assets | 2.2300% | 240 |
| Noninterest expense to average assets | 4.7281% | 249 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0635% | 2,026 |
| Return on assets (ROA) | 1.0635% | 1,999 |
| Pretax return on assets | 1.3144% | 1,833 |
| Return on Equity (ROE) | 8.9300% | 2,773 |
| Retained earnings to average equity (ytd only) | 6.5572% | 2,039 |
| Net charge-offs to loans | -0.0018% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.7122% | 1,089 |
| Assets per employee ($millions) | 3.6362% | 4,259 |
| Cash dividends to net income (ytd only)* | 26.5444% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 3,254 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.7200% | 2,602 |
| Net loans and leases to deposits | 72.2092% | 2,745 |
| Net loans and leases to core deposits | 73.7702% | 3,088 |
| Total domestic deposits to total assets | 86.8600% | 1,731 |
| Equity capital to assets | 12.7845% | 906 |
| Core capital (leverage) ratio | 10.3266% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5320% | 1,673 |
| Memoranda: | ||
| Average total assets | $194,836,800 | 3,018 |
| Average earning assets | $182,370,800 | 2,990 |
| Average equity | $23,211,000 | 2,612 |
| Average total loans | $109,633,400 | 3,067 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9586% | 1,925 |
| Cost of funding earning assets | 0.8846% | 3,311 |
| Net interest margin | 4.0740% | 1,110 |
| Noninterest income to average assets | 2.2000% | 259 |
| Noninterest expense to average assets | 4.6546% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0814% | 2,112 |
| Return on assets (ROA) | 1.0814% | 2,098 |
| Pretax return on assets | 1.3593% | 1,871 |
| Return on Equity (ROE) | 9.2400% | 2,863 |
| Retained earnings to average equity (ytd only) | 6.0482% | 2,616 |
| Net charge-offs to loans | -0.0025% | 3,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.3975% | 1,060 |
| Assets per employee ($millions) | 3.8033% | 4,233 |
| Cash dividends to net income (ytd only)* | 34.5477% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 3,161 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 54.4300% | 3,328 |
| Net loans and leases to deposits | 61.8777% | 3,404 |
| Net loans and leases to core deposits | 63.1317% | 3,570 |
| Total domestic deposits to total assets | 87.9700% | 1,583 |
| Equity capital to assets | 11.6918% | 1,126 |
| Core capital (leverage) ratio | 10.0920% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8203% | 1,623 |
| Memoranda: | ||
| Average total assets | $196,276,000 | 3,019 |
| Average earning assets | $183,730,500 | 2,994 |
| Average equity | $22,970,500 | 2,624 |
| Average total loans | $107,092,500 | 3,102 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8158% | 1,963 |
| Cost of funding earning assets | 0.7498% | 3,350 |
| Net interest margin | 4.0660% | 1,135 |
| Noninterest income to average assets | 2.1900% | 227 |
| Noninterest expense to average assets | 4.6532% | 248 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0951% | 2,139 |
| Return on assets (ROA) | 1.0951% | 2,131 |
| Pretax return on assets | 1.3526% | 1,939 |
| Return on Equity (ROE) | 9.3500% | 2,872 |
| Retained earnings to average equity (ytd only) | 9.3544% | 1,588 |
| Net charge-offs to loans | -0.0038% | 3,650 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.4792% | 1,043 |
| Assets per employee ($millions) | 4.2239% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,270 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 51.1200% | 3,477 |
| Net loans and leases to deposits | 57.6391% | 3,557 |
| Net loans and leases to core deposits | 58.6506% | 3,688 |
| Total domestic deposits to total assets | 88.6800% | 1,354 |
| Equity capital to assets | 11.0735% | 1,361 |
| Core capital (leverage) ratio | 9.7148% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0706% | 1,555 |
| Memoranda: | ||
| Average total assets | $195,777,667 | 3,031 |
| Average earning assets | $183,520,333 | 3,004 |
| Average equity | $22,919,667 | 2,632 |
| Average total loans | $106,528,333 | 3,099 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5738% | 2,139 |
| Cost of funding earning assets | 0.5155% | 3,636 |
| Net interest margin | 4.0583% | 1,164 |
| Noninterest income to average assets | 2.3400% | 203 |
| Noninterest expense to average assets | 4.7919% | 244 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0911% | 2,259 |
| Return on assets (ROA) | 1.0911% | 2,224 |
| Pretax return on assets | 1.3463% | 2,032 |
| Return on Equity (ROE) | 9.0500% | 3,037 |
| Retained earnings to average equity (ytd only) | 9.0452% | 1,940 |
| Net charge-offs to loans | -0.0076% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.0665% | 997 |
| Assets per employee ($millions) | 3.8164% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,156 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.2300% | 3,185 |
| Net loans and leases to deposits | 61.8767% | 3,233 |
| Net loans and leases to core deposits | 62.7068% | 3,406 |
| Total domestic deposits to total assets | 87.6500% | 2,038 |
| Equity capital to assets | 12.1470% | 956 |
| Core capital (leverage) ratio | 10.6295% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0861% | 1,601 |
| Memoranda: | ||
| Average total assets | $188,068,000 | 3,117 |
| Average earning assets | $176,132,000 | 3,094 |
| Average equity | $22,686,000 | 2,670 |
| Average total loans | $105,251,000 | 3,145 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4329% | 3,261 |
| Cost of funding earning assets | 0.2257% | 3,547 |
| Net interest margin | 3.2071% | 2,853 |
| Noninterest income to average assets | 1.8300% | 279 |
| Noninterest expense to average assets | 4.0585% | 321 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 0.6632% | 3,728 |
| Return on assets (ROA) | 0.6632% | 3,677 |
| Pretax return on assets | 0.8131% | 3,592 |
| Return on Equity (ROE) | 6.0800% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.0818% | 2,612 |
| Net charge-offs to loans | 0.0166% | 1,782 |
| Credit loss provision to net charge-offs | -623.5294% | 4,639 |
| Earnings coverage of net charge-offs (x) | 90.7647% | 1,018 |
| Efficiency ratio | 84.2132% | 482 |
| Assets per employee ($millions) | 4.1181% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 3,064 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.5300% | 2,970 |
| Net loans and leases to deposits | 64.5077% | 2,998 |
| Net loans and leases to core deposits | 65.1942% | 3,186 |
| Total domestic deposits to total assets | 87.6300% | 2,198 |
| Equity capital to assets | 11.9758% | 944 |
| Core capital (leverage) ratio | 9.3686% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8940% | 1,657 |
| Memoranda: | ||
| Average total assets | $202,807,200 | 3,033 |
| Average earning assets | $189,171,600 | 3,005 |
| Average equity | $22,115,000 | 2,762 |
| Average total loans | $102,513,400 | 3,116 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0588% | 3,772 |
| Cost of funding earning assets | 0.1927% | 3,363 |
| Net interest margin | 2.8661% | 3,579 |
| Noninterest income to average assets | 1.8300% | 292 |
| Noninterest expense to average assets | 3.9411% | 339 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4749% | 4,126 |
| Return on assets (ROA) | 0.4749% | 4,075 |
| Pretax return on assets | 0.5567% | 4,057 |
| Return on Equity (ROE) | 4.4500% | 4,085 |
| Retained earnings to average equity (ytd only) | 4.4533% | 3,310 |
| Net charge-offs to loans | 0.0223% | 1,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 50.8824% | 1,276 |
| Efficiency ratio | 87.6234% | 397 |
| Assets per employee ($millions) | 4.6966% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 2,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 49.5000% | 3,498 |
| Net loans and leases to deposits | 55.4149% | 3,527 |
| Net loans and leases to core deposits | 55.7605% | 3,640 |
| Total domestic deposits to total assets | 89.3200% | 1,951 |
| Equity capital to assets | 10.4403% | 1,403 |
| Core capital (leverage) ratio | 8.6267% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7535% | 1,787 |
| Memoranda: | ||
| Average total assets | $207,180,250 | 3,018 |
| Average earning assets | $193,012,000 | 3,004 |
| Average equity | $22,095,500 | 2,811 |
| Average total loans | $101,671,000 | 3,131 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7455% | 4,075 |
| Cost of funding earning assets | 0.2006% | 2,902 |
| Net interest margin | 2.5448% | 4,012 |
| Noninterest income to average assets | 1.8586% | 253 |
| Noninterest expense to average assets | 3.9449% | 292 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2662% | 4,343 |
| Return on assets (ROA) | 0.2662% | 4,297 |
| Pretax return on assets | 0.2749% | 4,327 |
| Return on Equity (ROE) | 2.4788% | 4,296 |
| Retained earnings to average equity (ytd only) | 2.4788% | 3,622 |
| Net charge-offs to loans | 0.0336% | 1,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 16.7647% | 1,617 |
| Efficiency ratio | 93.4857% | 303 |
| Assets per employee ($millions) | 4.7785% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 2,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 47.5875% | 3,585 |
| Net loans and leases to deposits | 53.1893% | 3,593 |
| Net loans and leases to core deposits | 53.9968% | 3,692 |
| Total domestic deposits to total assets | 89.4680% | 1,965 |
| Equity capital to assets | 10.3546% | 1,506 |
| Core capital (leverage) ratio | 8.6937% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7239% | 1,789 |
| Memoranda: | ||
| Average total assets | $207,356,333 | 3,049 |
| Average earning assets | $192,390,667 | 3,043 |
| Average equity | $22,269,000 | 2,867 |
| Average total loans | $101,055,333 | 3,171 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5553% | 4,192 |
| Cost of funding earning assets | 0.2121% | 2,640 |
| Net interest margin | 2.3432% | 4,164 |
| Noninterest income to average assets | 1.8960% | 260 |
| Noninterest expense to average assets | 3.9299% | 294 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1632% | 4,387 |
| Return on assets (ROA) | 0.1632% | 4,358 |
| Pretax return on assets | 0.1340% | 4,407 |
| Return on Equity (ROE) | 1.4921% | 4,344 |
| Retained earnings to average equity (ytd only) | 1.4921% | 3,697 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7017% | 310 |
| Assets per employee ($millions) | 4.4564% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,636 |
| Loan loss allowance to noncurrent loans | 2,548.9796% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 3,805 |
| Noncurrent loans to loans | 0.0488% | 3,628 |
| Net loans and leases to total assets | 48.4004% | 3,345 |
| Net loans and leases to deposits | 54.3580% | 3,390 |
| Net loans and leases to core deposits | 55.2079% | 3,508 |
| Total domestic deposits to total assets | 89.0402% | 2,061 |
| Equity capital to assets | 10.8198% | 1,427 |
| Core capital (leverage) ratio | 8.6737% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9609% | 1,811 |
| Memoranda: | ||
| Average total assets | $205,907,000 | 3,069 |
| Average earning assets | $190,505,000 | 3,077 |
| Average equity | $22,518,000 | 2,940 |
| Average total loans | $100,939,500 | 3,173 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0193% | 3,839 |
| Cost of funding earning assets | 0.2554% | 2,865 |
| Net interest margin | 2.7640% | 3,745 |
| Noninterest income to average assets | 2.0075% | 318 |
| Noninterest expense to average assets | 3.7611% | 364 |
| Loan and lease loss provision to assets | -0.0495% | 4,353 |
| Net operating income to assets | 0.7520% | 3,484 |
| Return on assets (ROA) | 0.7520% | 3,547 |
| Pretax return on assets | 0.8788% | 3,552 |
| Return on Equity (ROE) | 6.9017% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.9017% | 1,959 |
| Net charge-offs to loans | -0.0009% | 3,270 |
| Credit loss provision to net charge-offs | 10,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9349% | 680 |
| Assets per employee ($millions) | 4.4961% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 2,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 48.4300% | 3,463 |
| Net loans and leases to deposits | 54.5928% | 3,548 |
| Net loans and leases to core deposits | 54.9658% | 3,690 |
| Total domestic deposits to total assets | 88.7114% | 1,657 |
| Equity capital to assets | 11.0512% | 1,761 |
| Core capital (leverage) ratio | 8.3877% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9881% | 1,847 |
| Memoranda: | ||
| Average total assets | $201,989,800 | 3,052 |
| Average earning assets | $188,750,000 | 3,041 |
| Average equity | $22,009,000 | 3,059 |
| Average total loans | $114,259,600 | 3,006 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0901% | 3,833 |
| Cost of funding earning assets | 0.2650% | 2,956 |
| Net interest margin | 2.8251% | 3,721 |
| Noninterest income to average assets | 2.0426% | 334 |
| Noninterest expense to average assets | 3.7160% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8420% | 3,410 |
| Return on assets (ROA) | 0.8420% | 3,472 |
| Pretax return on assets | 0.9742% | 3,533 |
| Return on Equity (ROE) | 7.7561% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.7561% | 2,133 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2298% | 795 |
| Assets per employee ($millions) | 4.9616% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 49.1569% | 3,509 |
| Net loans and leases to deposits | 54.8072% | 3,671 |
| Net loans and leases to core deposits | 55.1498% | 3,845 |
| Total domestic deposits to total assets | 89.6906% | 919 |
| Equity capital to assets | 10.1375% | 2,770 |
| Core capital (leverage) ratio | 8.1428% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3729% | 2,218 |
| Memoranda: | ||
| Average total assets | $200,782,250 | 3,092 |
| Average earning assets | $188,166,500 | 3,084 |
| Average equity | $21,797,250 | 3,109 |
| Average total loans | $117,471,500 | 3,014 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4284% | 3,089 |
| Cost of funding earning assets | 0.2780% | 3,008 |
| Net interest margin | 3.1505% | 2,891 |
| Noninterest income to average assets | 2.0001% | 329 |
| Noninterest expense to average assets | 3.7716% | 342 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9933% | 2,911 |
| Return on assets (ROA) | 0.9933% | 2,996 |
| Pretax return on assets | 1.1724% | 2,985 |
| Return on Equity (ROE) | 8.9226% | 3,117 |
| Retained earnings to average equity (ytd only) | 8.9226% | 1,731 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2871% | 1,058 |
| Assets per employee ($millions) | 4.8223% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 3,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 54.8636% | 3,037 |
| Net loans and leases to deposits | 61.7417% | 3,229 |
| Net loans and leases to core deposits | 62.2880% | 3,437 |
| Total domestic deposits to total assets | 88.8598% | 1,351 |
| Equity capital to assets | 10.7495% | 2,189 |
| Core capital (leverage) ratio | 8.5345% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3028% | 2,250 |
| Memoranda: | ||
| Average total assets | $193,286,000 | 3,151 |
| Average earning assets | $180,608,000 | 3,129 |
| Average equity | $21,518,333 | 3,130 |
| Average total loans | $119,595,000 | 3,011 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7974% | 2,107 |
| Cost of funding earning assets | 0.3151% | 2,837 |
| Net interest margin | 3.4823% | 1,873 |
| Noninterest income to average assets | 1.9630% | 390 |
| Noninterest expense to average assets | 3.8271% | 327 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1447% | 2,348 |
| Return on assets (ROA) | 1.1447% | 2,414 |
| Pretax return on assets | 1.3874% | 2,313 |
| Return on Equity (ROE) | 10.0887% | 2,661 |
| Retained earnings to average equity (ytd only) | 10.0887% | 1,623 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3937% | 1,362 |
| Assets per employee ($millions) | 4.1060% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 3,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 60.7603% | 2,438 |
| Net loans and leases to deposits | 68.6009% | 2,639 |
| Net loans and leases to core deposits | 69.2671% | 2,936 |
| Total domestic deposits to total assets | 88.5707% | 1,576 |
| Equity capital to assets | 11.3297% | 1,640 |
| Core capital (leverage) ratio | 8.5699% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3117% | 2,156 |
| Memoranda: | ||
| Average total assets | $186,250,000 | 3,190 |
| Average earning assets | $173,909,000 | 3,179 |
| Average equity | $21,132,500 | 3,147 |
| Average total loans | $121,836,000 | 2,998 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 2,532 |
| Cost of funding earning assets | 0.4734% | 3,126 |
| Net interest margin | 3.5913% | 2,167 |
| Noninterest income to average assets | 1.9268% | 351 |
| Noninterest expense to average assets | 4.2892% | 290 |
| Loan and lease loss provision to assets | 0.2890% | 1,312 |
| Net operating income to assets | 0.6556% | 3,572 |
| Return on assets (ROA) | 0.6556% | 3,703 |
| Pretax return on assets | 0.6788% | 3,929 |
| Return on Equity (ROE) | 5.5831% | 3,715 |
| Retained earnings to average equity (ytd only) | 5.5831% | 2,006 |
| Net charge-offs to loans | 0.1195% | 1,295 |
| Credit loss provision to net charge-offs | 348.9510% | 1,585 |
| Earnings coverage of net charge-offs (x) | 11.6853% | 2,389 |
| Efficiency ratio | 81.5908% | 773 |
| Assets per employee ($millions) | 4.0806% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 68.7352% | 1,729 |
| Net loans and leases to deposits | 77.8346% | 2,090 |
| Net loans and leases to core deposits | 78.6141% | 2,495 |
| Total domestic deposits to total assets | 88.3093% | 1,326 |
| Equity capital to assets | 11.3634% | 1,983 |
| Core capital (leverage) ratio | 8.2673% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5821% | 2,408 |
| Memoranda: | ||
| Average total assets | $172,667,800 | 3,173 |
| Average earning assets | $160,108,800 | 3,168 |
| Average equity | $20,275,400 | 3,167 |
| Average total loans | $119,645,800 | 2,984 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3271% | 2,020 |
| Cost of funding earning assets | 0.5070% | 3,178 |
| Net interest margin | 3.8201% | 1,562 |
| Noninterest income to average assets | 1.9514% | 329 |
| Noninterest expense to average assets | 4.3256% | 287 |
| Loan and lease loss provision to assets | 0.4708% | 658 |
| Net operating income to assets | 0.6771% | 3,534 |
| Return on assets (ROA) | 0.6771% | 3,643 |
| Pretax return on assets | 0.6905% | 3,923 |
| Return on Equity (ROE) | 5.7167% | 3,656 |
| Retained earnings to average equity (ytd only) | 5.7167% | 2,230 |
| Net charge-offs to loans | 0.1337% | 1,079 |
| Credit loss provision to net charge-offs | 508.4746% | 1,270 |
| Earnings coverage of net charge-offs (x) | 12.5424% | 2,247 |
| Efficiency ratio | 78.8360% | 961 |
| Assets per employee ($millions) | 3.9184% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 3,040 |
| Loan loss allowance to noncurrent loans | 18,425.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,504 |
| Noncurrent loans to loans | 0.0061% | 4,429 |
| Net loans and leases to total assets | 71.6042% | 1,724 |
| Net loans and leases to deposits | 81.0967% | 2,188 |
| Net loans and leases to core deposits | 84.6448% | 2,416 |
| Total domestic deposits to total assets | 88.2948% | 1,064 |
| Equity capital to assets | 11.4283% | 2,064 |
| Core capital (leverage) ratio | 8.5175% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8830% | 2,254 |
| Memoranda: | ||
| Average total assets | $169,928,500 | 3,175 |
| Average earning assets | $157,269,250 | 3,180 |
| Average equity | $20,127,750 | 3,170 |
| Average total loans | $117,666,500 | 3,015 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6073% | 1,637 |
| Cost of funding earning assets | 0.5496% | 3,237 |
| Net interest margin | 4.0577% | 1,201 |
| Noninterest income to average assets | 1.9581% | 299 |
| Noninterest expense to average assets | 4.4543% | 263 |
| Loan and lease loss provision to assets | 0.7208% | 375 |
| Net operating income to assets | 0.5850% | 3,784 |
| Return on assets (ROA) | 0.5850% | 3,865 |
| Pretax return on assets | 0.5346% | 4,192 |
| Return on Equity (ROE) | 4.8772% | 3,859 |
| Retained earnings to average equity (ytd only) | 4.8772% | 2,532 |
| Net charge-offs to loans | 0.2082% | 747 |
| Credit loss provision to net charge-offs | 508.4746% | 1,217 |
| Earnings coverage of net charge-offs (x) | 8.8559% | 2,261 |
| Efficiency ratio | 78.0139% | 1,057 |
| Assets per employee ($millions) | 3.9572% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 3,012 |
| Loan loss allowance to noncurrent loans | 18,425.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 4,575 |
| Noncurrent loans to loans | 0.0060% | 4,496 |
| Net loans and leases to total assets | 73.9274% | 1,421 |
| Net loans and leases to deposits | 83.6021% | 2,033 |
| Net loans and leases to core deposits | 89.0612% | 2,155 |
| Total domestic deposits to total assets | 88.4277% | 976 |
| Equity capital to assets | 11.3566% | 2,077 |
| Core capital (leverage) ratio | 8.2803% | 4,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8579% | 2,240 |
| Memoranda: | ||
| Average total assets | $166,489,667 | 3,186 |
| Average earning assets | $153,930,667 | 3,187 |
| Average equity | $19,970,667 | 3,175 |
| Average total loans | $113,376,333 | 3,052 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 3,976 |
| Cost of funding earning assets | 0.6357% | 3,244 |
| Net interest margin | 3.2947% | 3,604 |
| Noninterest income to average assets | 1.9714% | 277 |
| Noninterest expense to average assets | 4.6149% | 273 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5451% | 3,763 |
| Return on assets (ROA) | 0.5451% | 3,823 |
| Pretax return on assets | 0.3883% | 4,312 |
| Return on Equity (ROE) | 4.4143% | 3,845 |
| Retained earnings to average equity (ytd only) | 4.4143% | 2,531 |
| Net charge-offs to loans | -0.0077% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2388% | 422 |
| Assets per employee ($millions) | 3.6732% | 4,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 4,032 |
| Loan loss allowance to noncurrent loans | 753.0303% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 4,208 |
| Noncurrent loans to loans | 0.1223% | 4,032 |
| Net loans and leases to total assets | 64.7023% | 2,979 |
| Net loans and leases to deposits | 73.7132% | 3,301 |
| Net loans and leases to core deposits | 78.8663% | 3,293 |
| Total domestic deposits to total assets | 87.7757% | 1,197 |
| Equity capital to assets | 12.0730% | 2,015 |
| Core capital (leverage) ratio | 9.1602% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6217% | 2,878 |
| Memoranda: | ||
| Average total assets | $160,698,500 | 3,209 |
| Average earning assets | $147,872,000 | 3,213 |
| Average equity | $19,844,500 | 3,182 |
| Average total loans | $103,505,500 | 3,176 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 2,978 |
| Cost of funding earning assets | 0.6287% | 3,511 |
| Net interest margin | 3.8630% | 2,294 |
| Noninterest income to average assets | 2.6087% | 188 |
| Noninterest expense to average assets | 5.4399% | 164 |
| Loan and lease loss provision to assets | 0.0257% | 3,501 |
| Net operating income to assets | 0.6305% | 4,069 |
| Return on assets (ROA) | 0.6305% | 4,137 |
| Pretax return on assets | 0.6203% | 4,377 |
| Return on Equity (ROE) | 4.4561% | 4,355 |
| Retained earnings to average equity (ytd only) | 4.4561% | 2,731 |
| Net charge-offs to loans | -0.0575% | 4,848 |
| Credit loss provision to net charge-offs | -67.3077% | 4,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3861% | 372 |
| Assets per employee ($millions) | 3.4690% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,500 |
| Loan loss allowance to noncurrent loans | 751.5152% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 4,219 |
| Noncurrent loans to loans | 0.1332% | 3,987 |
| Net loans and leases to total assets | 62.8277% | 3,327 |
| Net loans and leases to deposits | 72.2183% | 3,507 |
| Net loans and leases to core deposits | 77.7332% | 3,461 |
| Total domestic deposits to total assets | 86.9970% | 1,611 |
| Equity capital to assets | 12.6410% | 1,742 |
| Core capital (leverage) ratio | 9.5016% | 4,061 |
| Tier 1 risk-based capital ratio | 12.6437% | 3,981 |
| Total risk-based capital ratio | 13.5742% | 4,041 |
| Memoranda: | ||
| Average total assets | $136,234,800 | 3,491 |
| Average earning assets | $122,626,200 | 3,526 |
| Average equity | $19,276,800 | 3,196 |
| Average total loans | $90,485,600 | 3,384 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 2,597 |
| Cost of funding earning assets | 0.5862% | 3,756 |
| Net interest margin | 4.0547% | 1,747 |
| Noninterest income to average assets | 2.7698% | 170 |
| Noninterest expense to average assets | 5.6849% | 149 |
| Loan and lease loss provision to assets | 0.0142% | 3,621 |
| Net operating income to assets | 0.6389% | 4,189 |
| Return on assets (ROA) | 0.6389% | 4,237 |
| Pretax return on assets | 0.7029% | 4,336 |
| Return on Equity (ROE) | 4.3765% | 4,511 |
| Retained earnings to average equity (ytd only) | 4.3765% | 3,209 |
| Net charge-offs to loans | -0.0076% | 4,307 |
| Credit loss provision to net charge-offs | -280.0000% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7990% | 366 |
| Assets per employee ($millions) | 3.1008% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 3,516 |
| Loan loss allowance to noncurrent loans | 700.7576% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 4,266 |
| Noncurrent loans to loans | 0.1442% | 4,022 |
| Net loans and leases to total assets | 62.1773% | 3,478 |
| Net loans and leases to deposits | 72.0478% | 3,611 |
| Net loans and leases to core deposits | 77.8374% | 3,562 |
| Total domestic deposits to total assets | 86.3001% | 1,866 |
| Equity capital to assets | 13.3822% | 1,414 |
| Core capital (leverage) ratio | 10.3235% | 3,287 |
| Tier 1 risk-based capital ratio | 13.0141% | 3,840 |
| Total risk-based capital ratio | 13.9174% | 3,920 |
| Memoranda: | ||
| Average total assets | $131,267,750 | 3,581 |
| Average earning assets | $117,588,500 | 3,627 |
| Average equity | $19,162,750 | 3,230 |
| Average total loans | $88,340,000 | 3,477 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6834% | 2,416 |
| Cost of funding earning assets | 0.5178% | 4,043 |
| Net interest margin | 4.1656% | 1,439 |
| Noninterest income to average assets | 2.7032% | 181 |
| Noninterest expense to average assets | 5.8745% | 145 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5568% | 4,412 |
| Return on assets (ROA) | 0.5568% | 4,444 |
| Pretax return on assets | 0.5568% | 4,617 |
| Return on Equity (ROE) | 3.6957% | 4,652 |
| Retained earnings to average equity (ytd only) | 3.6957% | 3,412 |
| Net charge-offs to loans | -0.0069% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3428% | 303 |
| Assets per employee ($millions) | 2.5044% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,577 |
| Loan loss allowance to noncurrent loans | 687.8788% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 4,236 |
| Noncurrent loans to loans | 0.1464% | 4,030 |
| Net loans and leases to total assets | 69.8574% | 2,547 |
| Net loans and leases to deposits | 82.4701% | 2,674 |
| Net loans and leases to core deposits | 87.9776% | 2,798 |
| Total domestic deposits to total assets | 84.7063% | 2,596 |
| Equity capital to assets | 15.0525% | 794 |
| Core capital (leverage) ratio | 11.1956% | 2,421 |
| Tier 1 risk-based capital ratio | 13.0941% | 3,792 |
| Total risk-based capital ratio | 14.0096% | 3,878 |
| Memoranda: | ||
| Average total assets | $126,444,330 | 3,672 |
| Average earning assets | $113,165,330 | 3,723 |
| Average equity | $19,049,330 | 3,242 |
| Average total loans | $87,273,000 | 3,520 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 2,327 |
| Cost of funding earning assets | 0.4688% | 4,209 |
| Net interest margin | 4.1983% | 1,306 |
| Noninterest income to average assets | 2.7058% | 168 |
| Noninterest expense to average assets | 5.9680% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5755% | 4,309 |
| Return on assets (ROA) | 0.5755% | 4,344 |
| Pretax return on assets | 0.4960% | 4,696 |
| Return on Equity (ROE) | 3.8184% | 4,614 |
| Retained earnings to average equity (ytd only) | 3.8184% | 3,393 |
| Net charge-offs to loans | -0.0093% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3266% | 316 |
| Assets per employee ($millions) | 2.5961% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 3,485 |
| Loan loss allowance to noncurrent loans | 687.1212% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 4,282 |
| Noncurrent loans to loans | 0.1508% | 4,060 |
| Net loans and leases to total assets | 69.4954% | 2,556 |
| Net loans and leases to deposits | 82.2156% | 2,589 |
| Net loans and leases to core deposits | 89.4712% | 2,558 |
| Total domestic deposits to total assets | 84.5282% | 2,840 |
| Equity capital to assets | 15.2888% | 690 |
| Core capital (leverage) ratio | 11.0065% | 2,569 |
| Tier 1 risk-based capital ratio | 13.2446% | 3,742 |
| Total risk-based capital ratio | 14.1836% | 3,806 |
| Memoranda: | ||
| Average total assets | $125,803,500 | 3,713 |
| Average earning assets | $112,616,000 | 3,775 |
| Average equity | $18,961,000 | 3,265 |
| Average total loans | $85,842,500 | 3,582 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 2,220 |
| Cost of funding earning assets | 0.3116% | 4,507 |
| Net interest margin | 4.2621% | 1,244 |
| Noninterest income to average assets | 3.3276% | 137 |
| Noninterest expense to average assets | 5.7965% | 140 |
| Loan and lease loss provision to assets | 0.1716% | 1,162 |
| Net operating income to assets | 1.0685% | 2,722 |
| Return on assets (ROA) | 1.0685% | 2,705 |
| Pretax return on assets | 1.1469% | 3,109 |
| Return on Equity (ROE) | 6.7237% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.7237% | 1,801 |
| Net charge-offs to loans | 0.0286% | 2,834 |
| Credit loss provision to net charge-offs | 856.5217% | 420 |
| Earnings coverage of net charge-offs (x) | 65.8261% | 968 |
| Efficiency ratio | 81.4688% | 849 |
| Assets per employee ($millions) | 2.5917% | 5,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 3,243 |
| Loan loss allowance to noncurrent loans | 685.6061% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 4,310 |
| Noncurrent loans to loans | 0.1568% | 4,035 |
| Net loans and leases to total assets | 65.5721% | 3,191 |
| Net loans and leases to deposits | 77.2561% | 3,247 |
| Net loans and leases to core deposits | 83.6140% | 3,126 |
| Total domestic deposits to total assets | 84.8763% | 2,695 |
| Equity capital to assets | 14.8591% | 740 |
| Core capital (leverage) ratio | 10.8404% | 2,690 |
| Tier 1 risk-based capital ratio | 13.9643% | 3,303 |
| Total risk-based capital ratio | 14.9641% | 3,357 |
| Memoranda: | ||
| Average total assets | $114,828,800 | 3,877 |
| Average earning assets | $102,039,400 | 3,949 |
| Average equity | $18,249,000 | 3,271 |
| Average total loans | $80,349,600 | 3,662 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 2,265 |
| Cost of funding earning assets | 0.2841% | 4,615 |
| Net interest margin | 4.2265% | 1,294 |
| Noninterest income to average assets | 3.6044% | 133 |
| Noninterest expense to average assets | 5.7154% | 145 |
| Loan and lease loss provision to assets | 0.2350% | 685 |
| Net operating income to assets | 1.2261% | 2,139 |
| Return on assets (ROA) | 1.2261% | 2,138 |
| Pretax return on assets | 1.3979% | 2,237 |
| Return on Equity (ROE) | 7.5752% | 3,721 |
| Retained earnings to average equity (ytd only) | 7.5752% | 1,860 |
| Net charge-offs to loans | 0.0420% | 2,247 |
| Credit loss provision to net charge-offs | 788.0000% | 492 |
| Earnings coverage of net charge-offs (x) | 54.7642% | 1,117 |
| Efficiency ratio | 77.7796% | 1,140 |
| Assets per employee ($millions) | 2.6477% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 3,231 |
| Loan loss allowance to noncurrent loans | 164.3636% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 2,914 |
| Noncurrent loans to loans | 0.6652% | 2,415 |
| Net loans and leases to total assets | 65.7182% | 3,214 |
| Net loans and leases to deposits | 77.4317% | 3,286 |
| Net loans and leases to core deposits | 84.4008% | 3,125 |
| Total domestic deposits to total assets | 84.8725% | 2,654 |
| Equity capital to assets | 15.0014% | 718 |
| Core capital (leverage) ratio | 11.4845% | 2,180 |
| Tier 1 risk-based capital ratio | 13.8355% | 3,452 |
| Total risk-based capital ratio | 14.8364% | 3,487 |
| Memoranda: | ||
| Average total assets | $111,787,750 | 3,955 |
| Average earning assets | $99,022,500 | 4,027 |
| Average equity | $18,093,750 | 3,306 |
| Average total loans | $79,392,750 | 3,708 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 1,945 |
| Cost of funding earning assets | 0.2676% | 4,650 |
| Net interest margin | 4.2799% | 1,076 |
| Noninterest income to average assets | 3.6683% | 125 |
| Noninterest expense to average assets | 5.9794% | 138 |
| Loan and lease loss provision to assets | 0.2733% | 548 |
| Net operating income to assets | 1.1360% | 2,452 |
| Return on assets (ROA) | 1.1360% | 2,459 |
| Pretax return on assets | 1.1918% | 2,968 |
| Return on Equity (ROE) | 6.8259% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.8259% | 2,156 |
| Net charge-offs to loans | 0.0690% | 1,653 |
| Credit loss provision to net charge-offs | 544.4444% | 667 |
| Earnings coverage of net charge-offs (x) | 29.1852% | 1,533 |
| Efficiency ratio | 80.3197% | 978 |
| Assets per employee ($millions) | 2.4137% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,568 |
| Loan loss allowance to noncurrent loans | 184.4156% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 3,058 |
| Noncurrent loans to loans | 0.5659% | 2,721 |
| Net loans and leases to total assets | 72.7680% | 2,157 |
| Net loans and leases to deposits | 87.3082% | 2,182 |
| Net loans and leases to core deposits | 96.6783% | 2,001 |
| Total domestic deposits to total assets | 83.3461% | 3,311 |
| Equity capital to assets | 16.4378% | 448 |
| Core capital (leverage) ratio | 11.6285% | 1,963 |
| Tier 1 risk-based capital ratio | 13.5031% | 3,615 |
| Total risk-based capital ratio | 14.4648% | 3,700 |
| Memoranda: | ||
| Average total assets | $107,569,670 | 4,057 |
| Average earning assets | $94,909,670 | 4,129 |
| Average equity | $17,902,330 | 3,343 |
| Average total loans | $78,295,330 | 3,746 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 1,804 |
| Cost of funding earning assets | 0.2452% | 4,744 |
| Net interest margin | 4.2756% | 991 |
| Noninterest income to average assets | 3.2124% | 148 |
| Noninterest expense to average assets | 6.0998% | 137 |
| Loan and lease loss provision to assets | 0.2268% | 695 |
| Net operating income to assets | 0.6425% | 4,303 |
| Return on assets (ROA) | 0.6425% | 4,315 |
| Pretax return on assets | 0.6425% | 4,583 |
| Return on Equity (ROE) | 3.8357% | 4,808 |
| Retained earnings to average equity (ytd only) | 3.8357% | 3,659 |
| Net charge-offs to loans | 0.1357% | 994 |
| Credit loss provision to net charge-offs | 230.7692% | 954 |
| Earnings coverage of net charge-offs (x) | 8.8462% | 2,006 |
| Efficiency ratio | 87.5271% | 558 |
| Assets per employee ($millions) | 2.3592% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 3,923 |
| Loan loss allowance to noncurrent loans | 612.0000% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 4,519 |
| Noncurrent loans to loans | 0.1642% | 4,243 |
| Net loans and leases to total assets | 69.4540% | 2,571 |
| Net loans and leases to deposits | 83.2082% | 2,480 |
| Net loans and leases to core deposits | 91.7574% | 2,320 |
| Total domestic deposits to total assets | 83.4702% | 3,514 |
| Equity capital to assets | 16.4110% | 453 |
| Core capital (leverage) ratio | 12.3707% | 1,445 |
| Tier 1 risk-based capital ratio | 13.7458% | 3,522 |
| Total risk-based capital ratio | 14.6599% | 3,626 |
| Memoranda: | ||
| Average total assets | $105,839,000 | 4,124 |
| Average earning assets | $92,992,000 | 4,207 |
| Average equity | $17,728,000 | 3,393 |
| Average total loans | $76,619,500 | 3,818 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1151% | 3,005 |
| Cost of funding earning assets | 0.2168% | 4,813 |
| Net interest margin | 3.8983% | 2,093 |
| Noninterest income to average assets | 3.3123% | 155 |
| Noninterest expense to average assets | 7.1567% | 107 |
| Loan and lease loss provision to assets | 0.0853% | 2,493 |
| Net operating income to assets | -0.2709% | 5,468 |
| Return on assets (ROA) | -0.2709% | 5,467 |
| Pretax return on assets | -0.5353% | 5,553 |
| Return on Equity (ROE) | -1.4316% | 5,439 |
| Retained earnings to average equity (ytd only) | -1.4316% | 5,222 |
| Net charge-offs to loans | -0.0091% | 4,765 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7101% | 117 |
| Assets per employee ($millions) | 2.2923% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 4,221 |
| Loan loss allowance to noncurrent loans | 157.5431% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6466% | 2,386 |
| Noncurrent loans to loans | 0.6018% | 2,729 |
| Net loans and leases to total assets | 74.0337% | 1,917 |
| Net loans and leases to deposits | 90.0672% | 1,765 |
| Net loans and leases to core deposits | 100.9918% | 1,634 |
| Total domestic deposits to total assets | 82.1983% | 3,817 |
| Equity capital to assets | 17.1066% | 389 |
| Core capital (leverage) ratio | 12.1885% | 1,503 |
| Tier 1 risk-based capital ratio | 13.2205% | 3,776 |
| Total risk-based capital ratio | 14.0736% | 3,915 |
| Memoranda: | ||
| Average total assets | $93,772,000 | 4,349 |
| Average earning assets | $81,651,200 | 4,438 |
| Average equity | $17,742,000 | 3,398 |
| Average total loans | $66,048,000 | 4,054 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 3,317 |
| Cost of funding earning assets | 0.2093% | 4,888 |
| Net interest margin | 3.8020% | 2,386 |
| Noninterest income to average assets | 4.6973% | 120 |
| Noninterest expense to average assets | 6.7723% | 125 |
| Loan and lease loss provision to assets | 0.1140% | 1,890 |
| Net operating income to assets | 1.0475% | 2,341 |
| Return on assets (ROA) | 1.0475% | 2,383 |
| Pretax return on assets | 1.0475% | 3,499 |
| Return on Equity (ROE) | 4.8905% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.8905% | 2,954 |
| Net charge-offs to loans | -0.0126% | 4,703 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3602% | 662 |
| Assets per employee ($millions) | 2.1364% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,686 |
| Loan loss allowance to noncurrent loans | 162.8062% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6782% | 2,462 |
| Noncurrent loans to loans | 0.6554% | 2,740 |
| Net loans and leases to total assets | 70.5001% | 2,483 |
| Net loans and leases to deposits | 89.6283% | 1,852 |
| Net loans and leases to core deposits | 100.8887% | 1,634 |
| Total domestic deposits to total assets | 78.6584% | 4,602 |
| Equity capital to assets | 21.1388% | 184 |
| Core capital (leverage) ratio | 16.4319% | 440 |
| Tier 1 risk-based capital ratio | 18.1760% | 1,810 |
| Total risk-based capital ratio | 19.0543% | 1,860 |
| Memoranda: | ||
| Average total assets | $93,555,000 | 4,397 |
| Average earning assets | $79,640,250 | 4,514 |
| Average equity | $20,038,250 | 3,162 |
| Average total loans | $63,285,250 | 4,150 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8345% | 3,777 |
| Cost of funding earning assets | 0.2056% | 4,920 |
| Net interest margin | 3.6290% | 2,918 |
| Noninterest income to average assets | 5.3401% | 107 |
| Noninterest expense to average assets | 6.8051% | 131 |
| Loan and lease loss provision to assets | 0.1726% | 1,117 |
| Net operating income to assets | 1.4478% | 954 |
| Return on assets (ROA) | 1.4478% | 981 |
| Pretax return on assets | 1.4478% | 1,830 |
| Return on Equity (ROE) | 6.7290% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.7290% | 1,723 |
| Net charge-offs to loans | -0.0195% | 4,774 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7682% | 1,129 |
| Assets per employee ($millions) | 2.0043% | 5,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 3,535 |
| Loan loss allowance to noncurrent loans | 173.6342% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8301% | 2,137 |
| Noncurrent loans to loans | 0.6385% | 2,818 |
| Net loans and leases to total assets | 69.2166% | 2,632 |
| Net loans and leases to deposits | 88.3807% | 1,940 |
| Net loans and leases to core deposits | 99.7995% | 1,661 |
| Total domestic deposits to total assets | 78.3163% | 4,766 |
| Equity capital to assets | 21.5032% | 161 |
| Core capital (leverage) ratio | 16.5773% | 411 |
| Tier 1 risk-based capital ratio | 19.5803% | 1,454 |
| Total risk-based capital ratio | 20.5292% | 1,473 |
| Memoranda: | ||
| Average total assets | $92,694,670 | 4,446 |
| Average earning assets | $78,810,000 | 4,553 |
| Average equity | $19,943,670 | 3,163 |
| Average total loans | $61,544,670 | 4,221 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6977% | 4,124 |
| Cost of funding earning assets | 0.2148% | 4,842 |
| Net interest margin | 3.4829% | 3,339 |
| Noninterest income to average assets | 5.9298% | 98 |
| Noninterest expense to average assets | 6.7825% | 132 |
| Loan and lease loss provision to assets | 0.3480% | 343 |
| Net operating income to assets | 1.7620% | 487 |
| Return on assets (ROA) | 1.7620% | 497 |
| Pretax return on assets | 1.7620% | 879 |
| Return on Equity (ROE) | 8.1870% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.1870% | 1,383 |
| Net charge-offs to loans | -0.0270% | 4,877 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2720% | 1,870 |
| Assets per employee ($millions) | 2.1011% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 3,285 |
| Loan loss allowance to noncurrent loans | 129.4849% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.0460% | 1,729 |
| Noncurrent loans to loans | 0.9070% | 2,224 |
| Net loans and leases to total assets | 64.8778% | 3,133 |
| Net loans and leases to deposits | 82.4212% | 2,456 |
| Net loans and leases to core deposits | 92.9692% | 2,067 |
| Total domestic deposits to total assets | 78.7150% | 4,877 |
| Equity capital to assets | 21.1423% | 166 |
| Core capital (leverage) ratio | 17.4223% | 330 |
| Tier 1 risk-based capital ratio | 20.5345% | 1,295 |
| Total risk-based capital ratio | 21.5432% | 1,303 |
| Memoranda: | ||
| Average total assets | $91,942,000 | 4,503 |
| Average earning assets | $78,211,500 | 4,607 |
| Average equity | $19,787,500 | 3,194 |
| Average total loans | $59,350,500 | 4,317 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2268% | 5,259 |
| Cost of funding earning assets | 0.1881% | 5,126 |
| Net interest margin | 3.0387% | 4,878 |
| Noninterest income to average assets | 5.5673% | 112 |
| Noninterest expense to average assets | 6.8079% | 137 |
| Loan and lease loss provision to assets | 0.0580% | 3,225 |
| Net operating income to assets | 1.4855% | 858 |
| Return on assets (ROA) | 1.4855% | 878 |
| Pretax return on assets | 1.3068% | 2,257 |
| Return on Equity (ROE) | 6.6788% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.6788% | 1,365 |
| Net charge-offs to loans | 0.3213% | 852 |
| Credit loss provision to net charge-offs | 32.2581% | 3,567 |
| Earnings coverage of net charge-offs (x) | 7.5871% | 2,999 |
| Efficiency ratio | 83.3002% | 1,075 |
| Assets per employee ($millions) | 2.0775% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 3,496 |
| Loan loss allowance to noncurrent loans | 113.3568% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.1754% | 1,549 |
| Noncurrent loans to loans | 1.0048% | 2,083 |
| Net loans and leases to total assets | 62.6693% | 3,517 |
| Net loans and leases to deposits | 80.8296% | 2,798 |
| Net loans and leases to core deposits | 92.0488% | 2,298 |
| Total domestic deposits to total assets | 77.5326% | 5,045 |
| Equity capital to assets | 21.9233% | 151 |
| Core capital (leverage) ratio | 17.2770% | 337 |
| Tier 1 risk-based capital ratio | 22.7508% | 989 |
| Total risk-based capital ratio | 23.7687% | 996 |
| Memoranda: | ||
| Average total assets | $86,164,200 | 4,614 |
| Average earning assets | $73,880,800 | 4,718 |
| Average equity | $19,165,000 | 3,254 |
| Average total loans | $48,247,000 | 4,627 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1127% | 5,459 |
| Cost of funding earning assets | 0.1853% | 5,217 |
| Net interest margin | 2.9273% | 5,138 |
| Noninterest income to average assets | 4.7556% | 132 |
| Noninterest expense to average assets | 6.1799% | 161 |
| Loan and lease loss provision to assets | -0.1327% | 5,824 |
| Net operating income to assets | 1.4649% | 950 |
| Return on assets (ROA) | 1.4649% | 994 |
| Pretax return on assets | 1.2244% | 2,732 |
| Return on Equity (ROE) | 6.5616% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.5616% | 1,869 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9871% | 903 |
| Assets per employee ($millions) | 2.0570% | 5,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 2,436 |
| Loan loss allowance to noncurrent loans | 86.8146% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.4786% | 1,222 |
| Noncurrent loans to loans | 1.5559% | 1,394 |
| Net loans and leases to total assets | 57.5875% | 4,130 |
| Net loans and leases to deposits | 75.1858% | 3,481 |
| Net loans and leases to core deposits | 86.1102% | 2,940 |
| Total domestic deposits to total assets | 76.5936% | 5,148 |
| Equity capital to assets | 23.1763% | 133 |
| Core capital (leverage) ratio | 18.2882% | 278 |
| Tier 1 risk-based capital ratio | 26.1261% | 703 |
| Total risk-based capital ratio | 27.3541% | 690 |
| Memoranda: | ||
| Average total assets | $85,371,750 | 4,659 |
| Average earning assets | $73,375,500 | 4,769 |
| Average equity | $19,060,000 | 3,285 |
| Average total loans | $46,151,250 | 4,729 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0250% | 5,625 |
| Cost of funding earning assets | 0.1897% | 5,240 |
| Net interest margin | 2.8352% | 5,371 |
| Noninterest income to average assets | 4.5639% | 137 |
| Noninterest expense to average assets | 6.0595% | 167 |
| Loan and lease loss provision to assets | -0.1983% | 5,935 |
| Net operating income to assets | 1.5026% | 890 |
| Return on assets (ROA) | 1.5026% | 932 |
| Pretax return on assets | 1.1433% | 3,018 |
| Return on Equity (ROE) | 6.8155% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.8155% | 1,710 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5090% | 838 |
| Assets per employee ($millions) | 2.2668% | 5,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 2,306 |
| Loan loss allowance to noncurrent loans | 107.0853% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.3139% | 1,536 |
| Noncurrent loans to loans | 1.3061% | 1,732 |
| Net loans and leases to total assets | 55.8966% | 4,325 |
| Net loans and leases to deposits | 72.7503% | 3,724 |
| Net loans and leases to core deposits | 83.3618% | 3,138 |
| Total domestic deposits to total assets | 76.8335% | 5,182 |
| Equity capital to assets | 22.9543% | 134 |
| Core capital (leverage) ratio | 17.7559% | 315 |
| Tier 1 risk-based capital ratio | 26.2804% | 709 |
| Total risk-based capital ratio | 27.5397% | 694 |
| Memoranda: | ||
| Average total assets | $85,717,000 | 4,697 |
| Average earning assets | $73,786,000 | 4,807 |
| Average equity | $18,898,000 | 3,315 |
| Average total loans | $45,124,330 | 4,794 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9743% | 5,711 |
| Cost of funding earning assets | 0.1972% | 5,232 |
| Net interest margin | 2.7771% | 5,507 |
| Noninterest income to average assets | 3.4534% | 174 |
| Noninterest expense to average assets | 5.9003% | 181 |
| Loan and lease loss provision to assets | -0.3924% | 6,068 |
| Net operating income to assets | 1.0619% | 2,044 |
| Return on assets (ROA) | 1.0619% | 2,153 |
| Pretax return on assets | 0.3509% | 5,401 |
| Return on Equity (ROE) | 4.9143% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.9143% | 2,991 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7092% | 276 |
| Assets per employee ($millions) | 2.3825% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 2,078 |
| Loan loss allowance to noncurrent loans | 92.1053% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.4026% | 1,480 |
| Noncurrent loans to loans | 1.6047% | 1,441 |
| Net loans and leases to total assets | 51.6842% | 4,656 |
| Net loans and leases to deposits | 66.3687% | 4,223 |
| Net loans and leases to core deposits | 75.6623% | 3,707 |
| Total domestic deposits to total assets | 77.8743% | 5,168 |
| Equity capital to assets | 21.9625% | 154 |
| Core capital (leverage) ratio | 16.6359% | 405 |
| Tier 1 risk-based capital ratio | 27.2368% | 659 |
| Total risk-based capital ratio | 28.5376% | 639 |
| Memoranda: | ||
| Average total assets | $86,640,000 | 4,719 |
| Average earning assets | $75,043,000 | 4,822 |
| Average equity | $18,721,000 | 3,342 |
| Average total loans | $43,913,500 | 4,871 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9564% | 5,765 |
| Cost of funding earning assets | 0.2522% | 4,764 |
| Net interest margin | 2.7042% | 5,640 |
| Noninterest income to average assets | 3.8919% | 162 |
| Noninterest expense to average assets | 5.3826% | 220 |
| Loan and lease loss provision to assets | -0.1715% | 5,954 |
| Net operating income to assets | 1.0432% | 2,156 |
| Return on assets (ROA) | 1.0432% | 2,244 |
| Pretax return on assets | 1.0114% | 3,419 |
| Return on Equity (ROE) | 5.1497% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.1497% | 2,316 |
| Net charge-offs to loans | 1.1257% | 162 |
| Credit loss provision to net charge-offs | -28.5714% | 5,012 |
| Earnings coverage of net charge-offs (x) | 1.3992% | 4,094 |
| Efficiency ratio | 86.5018% | 962 |
| Assets per employee ($millions) | 2.4309% | 5,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 1,237 |
| Loan loss allowance to noncurrent loans | 102.8807% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.3827% | 1,511 |
| Noncurrent loans to loans | 1.7020% | 1,331 |
| Net loans and leases to total assets | 48.0888% | 5,006 |
| Net loans and leases to deposits | 61.1814% | 4,690 |
| Net loans and leases to core deposits | 69.4668% | 4,338 |
| Total domestic deposits to total assets | 78.6004% | 5,050 |
| Equity capital to assets | 21.2602% | 167 |
| Core capital (leverage) ratio | 16.0361% | 463 |
| Tier 1 risk-based capital ratio | 29.5525% | 527 |
| Total risk-based capital ratio | 30.8867% | 513 |
| Memoranda: | ||
| Average total assets | $85,126,200 | 4,763 |
| Average earning assets | $73,366,600 | 4,872 |
| Average equity | $17,243,600 | 3,499 |
| Average total loans | $45,393,600 | 4,819 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0193% | 5,795 |
| Cost of funding earning assets | 0.2678% | 4,687 |
| Net interest margin | 2.7515% | 5,662 |
| Noninterest income to average assets | 3.6452% | 173 |
| Noninterest expense to average assets | 5.6562% | 202 |
| Loan and lease loss provision to assets | -0.1088% | 6,009 |
| Net operating income to assets | 0.4637% | 4,920 |
| Return on assets (ROA) | 0.4637% | 5,015 |
| Pretax return on assets | 0.4637% | 5,311 |
| Return on Equity (ROE) | 2.3190% | 5,602 |
| Retained earnings to average equity (ytd only) | 2.3190% | 4,728 |
| Net charge-offs to loans | 1.5293% | 90 |
| Credit loss provision to net charge-offs | -13.0682% | 4,865 |
| Earnings coverage of net charge-offs (x) | 0.4261% | 3,951 |
| Efficiency ratio | 94.0960% | 487 |
| Assets per employee ($millions) | 2.3306% | 6,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8803% | 1,112 |
| Loan loss allowance to noncurrent loans | 110.2041% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 2.2693% | 818 |
| Noncurrent loans to loans | 1.7062% | 1,412 |
| Net loans and leases to total assets | 50.3778% | 4,904 |
| Net loans and leases to deposits | 63.3903% | 4,607 |
| Net loans and leases to core deposits | 72.2876% | 4,165 |
| Total domestic deposits to total assets | 79.4725% | 4,869 |
| Equity capital to assets | 20.2927% | 219 |
| Core capital (leverage) ratio | 17.0949% | 374 |
| Tier 1 risk-based capital ratio | 27.1939% | 672 |
| Total risk-based capital ratio | 28.5087% | 652 |
| Memoranda: | ||
| Average total assets | $84,530,000 | 4,834 |
| Average earning assets | $72,685,000 | 4,938 |
| Average equity | $16,903,250 | 3,573 |
| Average total loans | $46,033,750 | 4,844 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0397% | 5,821 |
| Cost of funding earning assets | 0.2815% | 4,595 |
| Net interest margin | 2.7582% | 5,695 |
| Noninterest income to average assets | 3.7574% | 169 |
| Noninterest expense to average assets | 5.5724% | 212 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5900% | 4,395 |
| Return on assets (ROA) | 0.5900% | 4,488 |
| Pretax return on assets | 0.5900% | 5,004 |
| Return on Equity (ROE) | 2.9652% | 5,412 |
| Retained earnings to average equity (ytd only) | 2.9652% | 4,150 |
| Net charge-offs to loans | 2.0077% | 72 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.5297% | 3,646 |
| Efficiency ratio | 90.4251% | 719 |
| Assets per employee ($millions) | 2.2842% | 6,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1650% | 771 |
| Loan loss allowance to noncurrent loans | 57.0818% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 2.4103% | 804 |
| Noncurrent loans to loans | 3.7928% | 435 |
| Net loans and leases to total assets | 51.3827% | 4,810 |
| Net loans and leases to deposits | 64.9012% | 4,449 |
| Net loans and leases to core deposits | 74.6001% | 3,895 |
| Total domestic deposits to total assets | 79.1706% | 5,060 |
| Equity capital to assets | 20.6530% | 199 |
| Core capital (leverage) ratio | 15.8048% | 494 |
| Tier 1 risk-based capital ratio | 27.7219% | 660 |
| Total risk-based capital ratio | 29.0431% | 648 |
| Memoranda: | ||
| Average total assets | $84,739,330 | 4,882 |
| Average earning assets | $73,889,000 | 4,962 |
| Average equity | $16,862,330 | 3,588 |
| Average total loans | $47,019,000 | 4,854 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8911% | 5,999 |
| Cost of funding earning assets | 0.2769% | 4,704 |
| Net interest margin | 2.6142% | 5,905 |
| Noninterest income to average assets | 3.8003% | 169 |
| Noninterest expense to average assets | 5.4283% | 235 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6559% | 4,020 |
| Return on assets (ROA) | 0.6559% | 4,142 |
| Pretax return on assets | 0.6559% | 4,739 |
| Return on Equity (ROE) | 3.3567% | 5,234 |
| Retained earnings to average equity (ytd only) | 3.3567% | 3,971 |
| Net charge-offs to loans | 3.9399% | 29 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.2925% | 3,071 |
| Efficiency ratio | 89.2202% | 918 |
| Assets per employee ($millions) | 2.4646% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9135% | 1,257 |
| Loan loss allowance to noncurrent loans | 55.8238% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 2.3197% | 957 |
| Noncurrent loans to loans | 3.4278% | 567 |
| Net loans and leases to total assets | 54.9669% | 4,323 |
| Net loans and leases to deposits | 68.5168% | 3,909 |
| Net loans and leases to core deposits | 84.1497% | 2,752 |
| Total domestic deposits to total assets | 80.2240% | 5,005 |
| Equity capital to assets | 19.5616% | 244 |
| Core capital (leverage) ratio | 15.3227% | 560 |
| Tier 1 risk-based capital ratio | 24.4030% | 948 |
| Total risk-based capital ratio | 25.6580% | 927 |
| Memoranda: | ||
| Average total assets | $85,994,000 | 4,904 |
| Average earning assets | $75,127,500 | 4,988 |
| Average equity | $16,802,000 | 3,617 |
| Average total loans | $48,935,000 | 4,818 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4693% | 5,396 |
| Cost of funding earning assets | 0.3414% | 4,349 |
| Net interest margin | 3.1279% | 5,138 |
| Noninterest income to average assets | 5.1347% | 122 |
| Noninterest expense to average assets | 6.4067% | 163 |
| Loan and lease loss provision to assets | 0.1622% | 1,620 |
| Net operating income to assets | 1.6225% | 679 |
| Return on assets (ROA) | 1.6225% | 710 |
| Pretax return on assets | 1.2175% | 2,582 |
| Return on Equity (ROE) | 6.9334% | 3,673 |
| Retained earnings to average equity (ytd only) | -5.5467% | 6,200 |
| Net charge-offs to loans | 0.1665% | 2,367 |
| Credit loss provision to net charge-offs | 160.2564% | 1,507 |
| Earnings coverage of net charge-offs (x) | 13.6282% | 2,252 |
| Efficiency ratio | 82.2804% | 1,633 |
| Assets per employee ($millions) | 2.3169% | 6,264 |
| Cash dividends to net income (ytd only)* | 180.0000% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8407% | 357 |
| Loan loss allowance to noncurrent loans | 193.5351% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.2493% | 2,259 |
| Noncurrent loans to loans | 1.4678% | 1,999 |
| Net loans and leases to total assets | 56.1352% | 4,319 |
| Net loans and leases to deposits | 69.9127% | 3,918 |
| Net loans and leases to core deposits | 86.9023% | 2,615 |
| Total domestic deposits to total assets | 80.2933% | 4,940 |
| Equity capital to assets | 19.5154% | 245 |
| Core capital (leverage) ratio | 16.2286% | 447 |
| Tier 1 risk-based capital ratio | 28.0937% | 611 |
| Total risk-based capital ratio | 29.3642% | 599 |
| Memoranda: | ||
| Average total assets | $77,043,800 | 5,126 |
| Average earning assets | $65,315,600 | 5,245 |
| Average equity | $18,028,800 | 3,390 |
| Average total loans | $46,839,400 | 4,919 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5366% | 5,304 |
| Cost of funding earning assets | 0.3471% | 4,370 |
| Net interest margin | 3.1895% | 5,000 |
| Noninterest income to average assets | 5.5577% | 110 |
| Noninterest expense to average assets | 6.4534% | 156 |
| Loan and lease loss provision to assets | 0.2226% | 1,025 |
| Net operating income to assets | 2.5536% | 134 |
| Return on assets (ROA) | 2.5536% | 135 |
| Pretax return on assets | 1.5653% | 1,437 |
| Return on Equity (ROE) | 10.4174% | 2,030 |
| Retained earnings to average equity (ytd only) | 6.7851% | 1,935 |
| Net charge-offs to loans | 0.2397% | 1,609 |
| Credit loss provision to net charge-offs | 150.6024% | 1,576 |
| Earnings coverage of net charge-offs (x) | 12.0968% | 2,349 |
| Efficiency ratio | 78.3060% | 2,138 |
| Assets per employee ($millions) | 2.0754% | 6,425 |
| Cash dividends to net income (ytd only)* | 34.8675% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9370% | 385 |
| Loan loss allowance to noncurrent loans | 3,047.8261% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 4,356 |
| Noncurrent loans to loans | 0.0964% | 5,654 |
| Net loans and leases to total assets | 60.3365% | 3,729 |
| Net loans and leases to deposits | 80.0128% | 2,688 |
| Net loans and leases to core deposits | 93.7080% | 1,899 |
| Total domestic deposits to total assets | 75.4086% | 5,883 |
| Equity capital to assets | 24.3010% | 107 |
| Core capital (leverage) ratio | 20.7810% | 186 |
| Tier 1 risk-based capital ratio | 30.9660% | 485 |
| Total risk-based capital ratio | 32.2368% | 479 |
| Memoranda: | ||
| Average total assets | $74,873,000 | 5,231 |
| Average earning assets | $62,996,750 | 5,368 |
| Average equity | $18,353,500 | 3,383 |
| Average total loans | $46,166,750 | 4,994 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5101% | 5,394 |
| Cost of funding earning assets | 0.3223% | 4,736 |
| Net interest margin | 3.1878% | 4,983 |
| Noninterest income to average assets | 5.1297% | 117 |
| Noninterest expense to average assets | 6.4391% | 157 |
| Loan and lease loss provision to assets | 0.3368% | 544 |
| Net operating income to assets | 2.5137% | 138 |
| Return on assets (ROA) | 2.5137% | 142 |
| Pretax return on assets | 1.0184% | 3,403 |
| Return on Equity (ROE) | 10.2241% | 2,047 |
| Retained earnings to average equity (ytd only) | 10.2241% | 674 |
| Net charge-offs to loans | 0.3637% | 1,125 |
| Credit loss provision to net charge-offs | 150.6024% | 1,443 |
| Earnings coverage of net charge-offs (x) | 6.0602% | 2,828 |
| Efficiency ratio | 82.6132% | 1,678 |
| Assets per employee ($millions) | 2.1264% | 6,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9884% | 388 |
| Loan loss allowance to noncurrent loans | 181.3713% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 2.7397% | 958 |
| Noncurrent loans to loans | 1.6477% | 2,113 |
| Net loans and leases to total assets | 61.1515% | 3,548 |
| Net loans and leases to deposits | 81.9327% | 2,256 |
| Net loans and leases to core deposits | 96.6572% | 1,552 |
| Total domestic deposits to total assets | 74.6362% | 6,055 |
| Equity capital to assets | 25.0736% | 90 |
| Core capital (leverage) ratio | 22.5269% | 123 |
| Tier 1 risk-based capital ratio | 32.0917% | 442 |
| Total risk-based capital ratio | 33.3623% | 432 |
| Memoranda: | ||
| Average total assets | $74,233,670 | 5,287 |
| Average earning assets | $62,049,000 | 5,453 |
| Average equity | $18,251,000 | 3,394 |
| Average total loans | $45,644,000 | 5,042 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4599% | 5,523 |
| Cost of funding earning assets | 0.3344% | 4,697 |
| Net interest margin | 3.1255% | 5,157 |
| Noninterest income to average assets | 4.9259% | 118 |
| Noninterest expense to average assets | 6.1669% | 178 |
| Loan and lease loss provision to assets | 0.6744% | 185 |
| Net operating income to assets | 3.4045% | 76 |
| Return on assets (ROA) | 3.4045% | 80 |
| Pretax return on assets | 0.7068% | 4,465 |
| Return on Equity (ROE) | 13.9865% | 947 |
| Retained earnings to average equity (ytd only) | 13.9865% | 397 |
| Net charge-offs to loans | -0.7287% | 6,599 |
| Credit loss provision to net charge-offs | -152.4390% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7012% | 1,963 |
| Assets per employee ($millions) | 2.0111% | 6,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5015% | 268 |
| Loan loss allowance to noncurrent loans | 2,749.1228% | 207 |
| Noncurrent assets plus other real estate owned to assets | 1.8274% | 1,910 |
| Noncurrent loans to loans | 0.1274% | 5,727 |
| Net loans and leases to total assets | 59.6494% | 3,614 |
| Net loans and leases to deposits | 80.1340% | 2,275 |
| Net loans and leases to core deposits | 97.1738% | 1,302 |
| Total domestic deposits to total assets | 74.4371% | 6,207 |
| Equity capital to assets | 25.3626% | 94 |
| Core capital (leverage) ratio | 21.4613% | 146 |
| Tier 1 risk-based capital ratio | 33.4034% | 403 |
| Total risk-based capital ratio | 34.6810% | 397 |
| Memoranda: | ||
| Average total assets | $74,138,000 | 5,335 |
| Average earning assets | $62,198,500 | 5,497 |
| Average equity | $18,046,000 | 3,422 |
| Average total loans | $45,009,000 | 5,123 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 4,724 |
| Cost of funding earning assets | 0.3610% | 5,042 |
| Net interest margin | 3.4629% | 4,048 |
| Noninterest income to average assets | 4.8395% | 142 |
| Noninterest expense to average assets | 6.5255% | 165 |
| Loan and lease loss provision to assets | -0.0893% | 6,465 |
| Net operating income to assets | 2.6710% | 146 |
| Return on assets (ROA) | 2.6710% | 145 |
| Pretax return on assets | 1.3435% | 1,996 |
| Return on Equity (ROE) | 11.4245% | 1,624 |
| Retained earnings to average equity (ytd only) | 6.8638% | 1,497 |
| Net charge-offs to loans | -0.3126% | 6,679 |
| Credit loss provision to net charge-offs | 45.8904% | 3,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8787% | 1,639 |
| Assets per employee ($millions) | 2.1679% | 6,580 |
| Cash dividends to net income (ytd only)* | 39.9202% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0045% | 465 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 299 |
| Noncurrent assets plus other real estate owned to assets | 1.7581% | 2,111 |
| Noncurrent loans to loans | 0.1502% | 5,747 |
| Net loans and leases to total assets | 57.8639% | 4,056 |
| Net loans and leases to deposits | 75.7052% | 2,996 |
| Net loans and leases to core deposits | 90.4402% | 1,974 |
| Total domestic deposits to total assets | 76.4332% | 6,055 |
| Equity capital to assets | 23.3665% | 118 |
| Core capital (leverage) ratio | 19.6016% | 218 |
| Tier 1 risk-based capital ratio | 32.9902% | 400 |
| Total risk-based capital ratio | 34.2636% | 391 |
| Memoranda: | ||
| Average total assets | $75,028,600 | 5,351 |
| Average earning assets | $63,703,400 | 5,478 |
| Average equity | $17,541,200 | 3,490 |
| Average total loans | $46,700,800 | 5,086 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 4,440 |
| Cost of funding earning assets | 0.3646% | 5,146 |
| Net interest margin | 3.5522% | 3,645 |
| Noninterest income to average assets | 4.8901% | 144 |
| Noninterest expense to average assets | 6.1839% | 186 |
| Loan and lease loss provision to assets | -0.1069% | 6,634 |
| Net operating income to assets | 3.4537% | 81 |
| Return on assets (ROA) | 3.4537% | 81 |
| Pretax return on assets | 1.8338% | 832 |
| Return on Equity (ROE) | 14.7704% | 840 |
| Retained earnings to average equity (ytd only) | 11.7218% | 465 |
| Net charge-offs to loans | -0.3910% | 6,758 |
| Credit loss provision to net charge-offs | 43.4783% | 3,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1708% | 2,394 |
| Assets per employee ($millions) | 2.0984% | 6,677 |
| Cash dividends to net income (ytd only)* | 20.6398% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9978% | 551 |
| Loan loss allowance to noncurrent loans | 1,887.5000% | 275 |
| Noncurrent assets plus other real estate owned to assets | 1.7632% | 2,322 |
| Noncurrent loans to loans | 0.1588% | 5,840 |
| Net loans and leases to total assets | 58.2111% | 3,978 |
| Net loans and leases to deposits | 76.7599% | 2,854 |
| Net loans and leases to core deposits | 93.9215% | 1,583 |
| Total domestic deposits to total assets | 75.8353% | 6,186 |
| Equity capital to assets | 23.9132% | 109 |
| Core capital (leverage) ratio | 20.5806% | 179 |
| Tier 1 risk-based capital ratio | 34.8309% | 340 |
| Total risk-based capital ratio | 36.1035% | 334 |
| Memoranda: | ||
| Average total assets | $74,816,250 | 5,409 |
| Average earning assets | $63,620,000 | 5,538 |
| Average equity | $17,494,000 | 3,531 |
| Average total loans | $47,059,500 | 5,108 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0332% | 3,994 |
| Cost of funding earning assets | 0.3692% | 5,234 |
| Net interest margin | 3.6640% | 3,111 |
| Noninterest income to average assets | 4.9186% | 149 |
| Noninterest expense to average assets | 6.1040% | 199 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 4.3662% | 49 |
| Return on assets (ROA) | 4.3662% | 50 |
| Pretax return on assets | 1.9283% | 703 |
| Return on Equity (ROE) | 18.8168% | 399 |
| Retained earnings to average equity (ytd only) | 15.0604% | 234 |
| Net charge-offs to loans | -0.3149% | 6,767 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9933% | 2,788 |
| Assets per employee ($millions) | 2.2284% | 6,668 |
| Cash dividends to net income (ytd only)* | 19.9631% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8553% | 673 |
| Loan loss allowance to noncurrent loans | 1,716.4557% | 303 |
| Noncurrent assets plus other real estate owned to assets | 1.8175% | 2,387 |
| Noncurrent loans to loans | 0.1663% | 5,910 |
| Net loans and leases to total assets | 60.8922% | 3,504 |
| Net loans and leases to deposits | 79.8543% | 2,339 |
| Net loans and leases to core deposits | 95.1080% | 1,430 |
| Total domestic deposits to total assets | 76.2542% | 6,223 |
| Equity capital to assets | 23.5373% | 107 |
| Core capital (leverage) ratio | 21.1745% | 140 |
| Tier 1 risk-based capital ratio | 33.7248% | 381 |
| Total risk-based capital ratio | 34.9965% | 373 |
| Memoranda: | ||
| Average total assets | $74,573,670 | 5,453 |
| Average earning assets | $63,373,670 | 5,586 |
| Average equity | $17,303,670 | 3,578 |
| Average total loans | $47,634,670 | 5,116 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1376% | 3,568 |
| Cost of funding earning assets | 0.3901% | 5,202 |
| Net interest margin | 3.7475% | 2,673 |
| Noninterest income to average assets | 4.7203% | 158 |
| Noninterest expense to average assets | 5.9585% | 212 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 6.8453% | 35 |
| Return on assets (ROA) | 6.8453% | 37 |
| Pretax return on assets | 1.9303% | 688 |
| Return on Equity (ROE) | 29.7201% | 80 |
| Retained earnings to average equity (ytd only) | 23.8512% | 74 |
| Net charge-offs to loans | -0.2851% | 6,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5312% | 3,006 |
| Assets per employee ($millions) | 2.2541% | 6,737 |
| Cash dividends to net income (ytd only)* | 19.7472% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7590% | 857 |
| Loan loss allowance to noncurrent loans | 1,547.0588% | 324 |
| Noncurrent assets plus other real estate owned to assets | 3.2869% | 1,331 |
| Noncurrent loans to loans | 0.1783% | 5,958 |
| Net loans and leases to total assets | 62.3061% | 3,001 |
| Net loans and leases to deposits | 81.7018% | 1,872 |
| Net loans and leases to core deposits | 101.7207% | 840 |
| Total domestic deposits to total assets | 76.2603% | 6,332 |
| Equity capital to assets | 23.5905% | 111 |
| Core capital (leverage) ratio | 20.7976% | 163 |
| Tier 1 risk-based capital ratio | 31.6833% | 463 |
| Total risk-based capital ratio | 32.9533% | 458 |
| Memoranda: | ||
| Average total assets | $73,978,000 | 5,515 |
| Average earning assets | $62,548,500 | 5,661 |
| Average equity | $17,039,000 | 3,669 |
| Average total loans | $47,706,500 | 5,143 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 4,751 |
| Cost of funding earning assets | 0.4207% | 5,783 |
| Net interest margin | 3.7354% | 3,498 |
| Noninterest income to average assets | 4.2791% | 171 |
| Noninterest expense to average assets | 6.2628% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.3222% | 202 |
| Return on assets (ROA) | 2.3222% | 221 |
| Pretax return on assets | 1.2598% | 2,571 |
| Return on Equity (ROE) | 10.8672% | 1,846 |
| Retained earnings to average equity (ytd only) | 10.8672% | 452 |
| Net charge-offs to loans | 0.2788% | 3,270 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 6.9481% | 2,707 |
| Efficiency ratio | 83.2530% | 1,714 |
| Assets per employee ($millions) | 2.4523% | 6,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6827% | 941 |
| Loan loss allowance to noncurrent loans | 1,423.3333% | 351 |
| Noncurrent assets plus other real estate owned to assets | 3.3302% | 1,379 |
| Noncurrent loans to loans | 0.1885% | 5,999 |
| Net loans and leases to total assets | 63.1643% | 3,019 |
| Net loans and leases to deposits | 81.7357% | 2,034 |
| Net loans and leases to core deposits | 102.2960% | 875 |
| Total domestic deposits to total assets | 77.2788% | 6,195 |
| Equity capital to assets | 22.4684% | 142 |
| Core capital (leverage) ratio | 19.6933% | 205 |
| Tier 1 risk-based capital ratio | 31.8311% | 436 |
| Total risk-based capital ratio | 33.1012% | 429 |
| Memoranda: | ||
| Average total assets | $74,455,600 | 5,496 |
| Average earning assets | $64,651,800 | 5,595 |
| Average equity | $15,910,200 | 3,786 |
| Average total loans | $48,429,400 | 5,164 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 5,191 |
| Cost of funding earning assets | 0.4215% | 5,974 |
| Net interest margin | 3.6773% | 3,892 |
| Noninterest income to average assets | 4.2547% | 171 |
| Noninterest expense to average assets | 6.0347% | 209 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.4835% | 178 |
| Return on assets (ROA) | 2.4835% | 193 |
| Pretax return on assets | 1.4283% | 2,146 |
| Return on Equity (ROE) | 11.7714% | 1,714 |
| Retained earnings to average equity (ytd only) | 11.7714% | 570 |
| Net charge-offs to loans | 0.3704% | 2,618 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 5.9258% | 2,891 |
| Efficiency ratio | 80.8612% | 1,963 |
| Assets per employee ($millions) | 2.5172% | 6,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6899% | 992 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 3.6098% | 1,384 |
| Noncurrent loans to loans | 0.7685% | 4,875 |
| Net loans and leases to total assets | 61.3663% | 3,501 |
| Net loans and leases to deposits | 78.7259% | 2,566 |
| Net loans and leases to core deposits | 98.2905% | 1,242 |
| Total domestic deposits to total assets | 77.9493% | 6,091 |
| Equity capital to assets | 21.8189% | 176 |
| Core capital (leverage) ratio | 19.7525% | 217 |
| Tier 1 risk-based capital ratio | 30.9810% | 481 |
| Total risk-based capital ratio | 32.2505% | 474 |
| Memoranda: | ||
| Average total assets | $74,677,000 | 5,553 |
| Average earning assets | $65,155,000 | 5,637 |
| Average equity | $15,755,250 | 3,853 |
| Average total loans | $48,599,000 | 5,216 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 5,375 |
| Cost of funding earning assets | 0.4225% | 6,148 |
| Net interest margin | 3.6615% | 3,986 |
| Noninterest income to average assets | 4.2340% | 170 |
| Noninterest expense to average assets | 6.2126% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.8254% | 119 |
| Return on assets (ROA) | 2.8254% | 125 |
| Pretax return on assets | 1.2366% | 2,780 |
| Return on Equity (ROE) | 13.5485% | 1,220 |
| Retained earnings to average equity (ytd only) | 13.5485% | 382 |
| Net charge-offs to loans | 0.0572% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 32.8571% | 1,013 |
| Efficiency ratio | 83.3995% | 1,694 |
| Assets per employee ($millions) | 2.5649% | 6,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9059% | 865 |
| Loan loss allowance to noncurrent loans | 121.2803% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 3.8356% | 1,350 |
| Noncurrent loans to loans | 2.3960% | 2,505 |
| Net loans and leases to total assets | 62.9789% | 3,238 |
| Net loans and leases to deposits | 80.7686% | 2,270 |
| Net loans and leases to core deposits | 100.4912% | 1,064 |
| Total domestic deposits to total assets | 77.9745% | 6,157 |
| Equity capital to assets | 21.6907% | 168 |
| Core capital (leverage) ratio | 19.2802% | 232 |
| Tier 1 risk-based capital ratio | 29.9062% | 525 |
| Total risk-based capital ratio | 31.1782% | 515 |
| Memoranda: | ||
| Average total assets | $74,397,000 | 5,594 |
| Average earning assets | $65,327,670 | 5,666 |
| Average equity | $15,514,670 | 3,887 |
| Average total loans | $48,924,330 | 5,243 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 5,479 |
| Cost of funding earning assets | 0.4319% | 6,244 |
| Net interest margin | 3.6619% | 3,997 |
| Noninterest income to average assets | 3.7847% | 180 |
| Noninterest expense to average assets | 5.7470% | 230 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2741% | 1,525 |
| Return on assets (ROA) | 1.2741% | 1,695 |
| Pretax return on assets | 1.2741% | 2,630 |
| Return on Equity (ROE) | 6.2348% | 4,170 |
| Retained earnings to average equity (ytd only) | 6.2348% | 2,824 |
| Net charge-offs to loans | -0.0081% | 5,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8530% | 1,951 |
| Assets per employee ($millions) | 2.4742% | 6,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8785% | 929 |
| Loan loss allowance to noncurrent loans | 60.7894% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 3.9596% | 1,404 |
| Noncurrent loans to loans | 4.7352% | 1,205 |
| Net loans and leases to total assets | 64.4123% | 2,785 |
| Net loans and leases to deposits | 81.7852% | 1,966 |
| Net loans and leases to core deposits | 101.5311% | 887 |
| Total domestic deposits to total assets | 78.7578% | 6,130 |
| Equity capital to assets | 20.6440% | 204 |
| Core capital (leverage) ratio | 18.4526% | 268 |
| Tier 1 risk-based capital ratio | 28.2330% | 623 |
| Total risk-based capital ratio | 29.5034% | 611 |
| Memoranda: | ||
| Average total assets | $74,404,500 | 5,632 |
| Average earning assets | $65,758,500 | 5,692 |
| Average equity | $15,205,000 | 3,950 |
| Average total loans | $49,263,000 | 5,253 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0649% | 6,328 |
| Cost of funding earning assets | 0.5304% | 6,419 |
| Net interest margin | 3.5345% | 5,003 |
| Noninterest income to average assets | 2.9799% | 215 |
| Noninterest expense to average assets | 5.9484% | 215 |
| Loan and lease loss provision to assets | 2.2925% | 220 |
| Net operating income to assets | -2.1107% | 7,047 |
| Return on assets (ROA) | -2.1031% | 7,055 |
| Pretax return on assets | -2.1031% | 7,050 |
| Return on Equity (ROE) | -10.3332% | 6,748 |
| Retained earnings to average equity (ytd only) | -10.3332% | 6,712 |
| Net charge-offs to loans | 3.0699% | 305 |
| Credit loss provision to net charge-offs | 113.6736% | 2,884 |
| Earnings coverage of net charge-offs (x) | 0.0901% | 5,763 |
| Efficiency ratio | 97.0357% | 768 |
| Assets per employee ($millions) | 2.4059% | 6,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8723% | 912 |
| Loan loss allowance to noncurrent loans | 68.3728% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 3.5919% | 1,639 |
| Noncurrent loans to loans | 4.2009% | 1,462 |
| Net loans and leases to total assets | 64.2001% | 3,143 |
| Net loans and leases to deposits | 81.0464% | 2,349 |
| Net loans and leases to core deposits | 103.2696% | 949 |
| Total domestic deposits to total assets | 79.2140% | 5,940 |
| Equity capital to assets | 20.2282% | 223 |
| Core capital (leverage) ratio | 17.4416% | 336 |
| Tier 1 risk-based capital ratio | 23.7217% | 993 |
| Total risk-based capital ratio | 24.9874% | 980 |
| Memoranda: | ||
| Average total assets | $78,693,000 | 5,487 |
| Average earning assets | $70,137,200 | 5,535 |
| Average equity | $16,016,400 | 3,725 |
| Average total loans | $51,695,400 | 5,204 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 6,557 |
| Cost of funding earning assets | 0.5486% | 6,519 |
| Net interest margin | 3.4675% | 5,319 |
| Noninterest income to average assets | 2.9318% | 224 |
| Noninterest expense to average assets | 6.0259% | 199 |
| Loan and lease loss provision to assets | 3.0171% | 108 |
| Net operating income to assets | -3.0138% | 7,268 |
| Return on assets (ROA) | -3.0038% | 7,278 |
| Pretax return on assets | -3.0038% | 7,272 |
| Return on Equity (ROE) | -14.7372% | 7,008 |
| Retained earnings to average equity (ytd only) | -14.7372% | 6,983 |
| Net charge-offs to loans | 0.5431% | 2,609 |
| Credit loss provision to net charge-offs | 846.9484% | 317 |
| Earnings coverage of net charge-offs (x) | 0.0094% | 5,597 |
| Efficiency ratio | 99.9445% | 663 |
| Assets per employee ($millions) | 2.3184% | 7,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3506% | 147 |
| Loan loss allowance to noncurrent loans | 79.6688% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 4.8492% | 1,197 |
| Noncurrent loans to loans | 6.7160% | 763 |
| Net loans and leases to total assets | 64.5091% | 3,203 |
| Net loans and leases to deposits | 80.4138% | 2,600 |
| Net loans and leases to core deposits | 100.8913% | 1,171 |
| Total domestic deposits to total assets | 80.2214% | 5,670 |
| Equity capital to assets | 19.5368% | 277 |
| Core capital (leverage) ratio | 17.8902% | 332 |
| Tier 1 risk-based capital ratio | 23.1298% | 1,134 |
| Total risk-based capital ratio | 24.4249% | 1,109 |
| Memoranda: | ||
| Average total assets | $79,720,250 | 5,514 |
| Average earning assets | $71,211,500 | 5,538 |
| Average equity | $16,248,750 | 3,695 |
| Average total loans | $52,294,500 | 5,222 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0235% | 6,628 |
| Cost of funding earning assets | 0.5704% | 6,585 |
| Net interest margin | 3.4531% | 5,352 |
| Noninterest income to average assets | 2.9508% | 225 |
| Noninterest expense to average assets | 5.7308% | 234 |
| Loan and lease loss provision to assets | 0.8664% | 1,038 |
| Net operating income to assets | -0.5595% | 6,738 |
| Return on assets (ROA) | -0.5446% | 6,746 |
| Pretax return on assets | -0.5446% | 6,684 |
| Return on Equity (ROE) | -2.6375% | 6,558 |
| Retained earnings to average equity (ytd only) | -2.6375% | 6,323 |
| Net charge-offs to loans | -0.2025% | 7,287 |
| Credit loss provision to net charge-offs | -660.3774% | 6,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9159% | 928 |
| Assets per employee ($millions) | 2.1799% | 7,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1264% | 808 |
| Loan loss allowance to noncurrent loans | 68.8898% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 4.2218% | 1,502 |
| Noncurrent loans to loans | 4.5383% | 1,451 |
| Net loans and leases to total assets | 66.9329% | 2,832 |
| Net loans and leases to deposits | 86.3920% | 1,733 |
| Net loans and leases to core deposits | 111.7046% | 660 |
| Total domestic deposits to total assets | 77.4758% | 6,380 |
| Equity capital to assets | 22.2934% | 172 |
| Core capital (leverage) ratio | 20.1631% | 212 |
| Tier 1 risk-based capital ratio | 25.3891% | 868 |
| Total risk-based capital ratio | 26.6580% | 848 |
| Memoranda: | ||
| Average total assets | $80,791,330 | 5,526 |
| Average earning assets | $72,226,000 | 5,548 |
| Average equity | $16,682,670 | 3,623 |
| Average total loans | $52,344,670 | 5,269 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8274% | 6,916 |
| Cost of funding earning assets | 0.5921% | 6,633 |
| Net interest margin | 3.2353% | 5,966 |
| Noninterest income to average assets | 2.7624% | 244 |
| Noninterest expense to average assets | 5.5391% | 251 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1331% | 5,999 |
| Return on assets (ROA) | 0.1331% | 6,055 |
| Pretax return on assets | 0.1331% | 6,094 |
| Return on Equity (ROE) | 0.6682% | 6,224 |
| Retained earnings to average equity (ytd only) | 0.6682% | 5,557 |
| Net charge-offs to loans | 0.2041% | 3,285 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.0370% | 3,883 |
| Efficiency ratio | 97.6530% | 854 |
| Assets per employee ($millions) | 2.1940% | 7,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2482% | 1,861 |
| Loan loss allowance to noncurrent loans | 36.7892% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 5.0732% | 1,237 |
| Noncurrent loans to loans | 6.1110% | 1,025 |
| Net loans and leases to total assets | 64.4632% | 3,361 |
| Net loans and leases to deposits | 82.0799% | 2,350 |
| Net loans and leases to core deposits | 103.7726% | 1,077 |
| Total domestic deposits to total assets | 78.5372% | 6,289 |
| Equity capital to assets | 21.2400% | 194 |
| Core capital (leverage) ratio | 18.2365% | 322 |
| Tier 1 risk-based capital ratio | 25.8218% | 804 |
| Total risk-based capital ratio | 27.0819% | 781 |
| Memoranda: | ||
| Average total assets | $84,129,000 | 5,465 |
| Average earning assets | $75,665,500 | 5,490 |
| Average equity | $16,762,500 | 3,597 |
| Average total loans | $52,912,500 | 5,291 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0068% | 7,130 |
| Cost of funding earning assets | 0.9498% | 5,940 |
| Net interest margin | 3.0570% | 6,627 |
| Noninterest income to average assets | 1.9536% | 415 |
| Noninterest expense to average assets | 5.7296% | 264 |
| Loan and lease loss provision to assets | 3.6092% | 202 |
| Net operating income to assets | -4.6689% | 7,509 |
| Return on assets (ROA) | -4.6689% | 7,517 |
| Pretax return on assets | -4.6689% | 7,517 |
| Return on Equity (ROE) | -21.8209% | 7,072 |
| Retained earnings to average equity (ytd only) | -21.8209% | 7,048 |
| Net charge-offs to loans | 8.2591% | 33 |
| Credit loss provision to net charge-offs | 65.5758% | 5,969 |
| Earnings coverage of net charge-offs (x) | -0.1925% | 6,287 |
| Efficiency ratio | 122.6905% | 384 |
| Assets per employee ($millions) | 2.4799% | 7,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2312% | 1,816 |
| Loan loss allowance to noncurrent loans | 34.9461% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 4.8815% | 1,324 |
| Noncurrent loans to loans | 6.3846% | 952 |
| Net loans and leases to total assets | 58.8519% | 4,882 |
| Net loans and leases to deposits | 72.6644% | 4,402 |
| Net loans and leases to core deposits | 87.8169% | 3,076 |
| Total domestic deposits to total assets | 80.9913% | 5,526 |
| Equity capital to assets | 18.7611% | 328 |
| Core capital (leverage) ratio | 15.3474% | 609 |
| Tier 1 risk-based capital ratio | 25.1929% | 827 |
| Total risk-based capital ratio | 26.4533% | 806 |
| Memoranda: | ||
| Average total assets | $89,936,200 | 5,291 |
| Average earning assets | $79,914,200 | 5,350 |
| Average equity | $19,243,000 | 3,250 |
| Average total loans | $59,934,200 | 5,074 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 7,248 |
| Cost of funding earning assets | 0.9943% | 5,966 |
| Net interest margin | 3.0549% | 6,720 |
| Noninterest income to average assets | 2.1916% | 332 |
| Noninterest expense to average assets | 5.4397% | 280 |
| Loan and lease loss provision to assets | 3.5204% | 204 |
| Net operating income to assets | -4.0679% | 7,578 |
| Return on assets (ROA) | -4.0679% | 7,587 |
| Pretax return on assets | -4.0679% | 7,569 |
| Return on Equity (ROE) | -18.4493% | 7,190 |
| Retained earnings to average equity (ytd only) | -18.4493% | 7,170 |
| Net charge-offs to loans | 7.5271% | 50 |
| Credit loss provision to net charge-offs | 68.5393% | 5,456 |
| Earnings coverage of net charge-offs (x) | -0.1066% | 6,115 |
| Efficiency ratio | 111.1918% | 506 |
| Assets per employee ($millions) | 2.4099% | 7,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1032% | 761 |
| Loan loss allowance to noncurrent loans | 34.2414% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 8.4731% | 570 |
| Noncurrent loans to loans | 9.0629% | 528 |
| Net loans and leases to total assets | 63.3836% | 4,239 |
| Net loans and leases to deposits | 79.8598% | 3,478 |
| Net loans and leases to core deposits | 96.9366% | 2,153 |
| Total domestic deposits to total assets | 79.3686% | 5,908 |
| Equity capital to assets | 20.4127% | 262 |
| Core capital (leverage) ratio | 18.6523% | 318 |
| Tier 1 risk-based capital ratio | 25.1853% | 849 |
| Total risk-based capital ratio | 26.4537% | 826 |
| Memoranda: | ||
| Average total assets | $90,101,500 | 5,354 |
| Average earning assets | $79,651,500 | 5,422 |
| Average equity | $19,866,500 | 3,204 |
| Average total loans | $61,483,000 | 5,079 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 7,278 |
| Cost of funding earning assets | 1.0254% | 6,027 |
| Net interest margin | 3.0810% | 6,652 |
| Noninterest income to average assets | 2.2121% | 306 |
| Noninterest expense to average assets | 5.1475% | 341 |
| Loan and lease loss provision to assets | 2.7562% | 387 |
| Net operating income to assets | -2.9531% | 7,502 |
| Return on assets (ROA) | -2.9531% | 7,509 |
| Pretax return on assets | -2.9531% | 7,459 |
| Return on Equity (ROE) | -13.0743% | 7,080 |
| Retained earnings to average equity (ytd only) | -13.0743% | 7,039 |
| Net charge-offs to loans | 7.4934% | 75 |
| Credit loss provision to net charge-offs | 53.1797% | 5,353 |
| Earnings coverage of net charge-offs (x) | -0.0380% | 5,753 |
| Efficiency ratio | 103.9768% | 685 |
| Assets per employee ($millions) | 2.7341% | 6,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0131% | 811 |
| Loan loss allowance to noncurrent loans | 30.6921% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 9.1783% | 479 |
| Noncurrent loans to loans | 9.8170% | 457 |
| Net loans and leases to total assets | 64.3964% | 4,177 |
| Net loans and leases to deposits | 82.5369% | 3,177 |
| Net loans and leases to core deposits | 99.2603% | 2,095 |
| Total domestic deposits to total assets | 78.0214% | 6,264 |
| Equity capital to assets | 21.7403% | 212 |
| Core capital (leverage) ratio | 20.2458% | 234 |
| Tier 1 risk-based capital ratio | 26.7100% | 721 |
| Total risk-based capital ratio | 27.9781% | 708 |
| Memoranda: | ||
| Average total assets | $90,413,670 | 5,372 |
| Average earning assets | $80,362,670 | 5,423 |
| Average equity | $20,421,670 | 3,121 |
| Average total loans | $62,535,330 | 5,079 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 7,347 |
| Cost of funding earning assets | 1.0240% | 6,259 |
| Net interest margin | 3.1068% | 6,573 |
| Noninterest income to average assets | 2.1611% | 305 |
| Noninterest expense to average assets | 4.7907% | 439 |
| Loan and lease loss provision to assets | 1.2065% | 1,006 |
| Net operating income to assets | -1.0739% | 7,152 |
| Return on assets (ROA) | -1.0739% | 7,168 |
| Pretax return on assets | -1.0739% | 7,087 |
| Return on Equity (ROE) | -4.6675% | 6,864 |
| Retained earnings to average equity (ytd only) | -4.6675% | 6,560 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3070% | 955 |
| Assets per employee ($millions) | 2.8875% | 6,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0111% | 173 |
| Loan loss allowance to noncurrent loans | 45.5524% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 9.4568% | 442 |
| Noncurrent loans to loans | 11.0008% | 362 |
| Net loans and leases to total assets | 65.1349% | 4,076 |
| Net loans and leases to deposits | 87.2637% | 2,364 |
| Net loans and leases to core deposits | 105.4823% | 1,619 |
| Total domestic deposits to total assets | 74.6415% | 6,963 |
| Equity capital to assets | 22.4072% | 197 |
| Core capital (leverage) ratio | 21.7472% | 193 |
| Tier 1 risk-based capital ratio | 27.4949% | 672 |
| Total risk-based capital ratio | 28.7861% | 658 |
| Memoranda: | ||
| Average total assets | $90,508,500 | 5,436 |
| Average earning assets | $80,467,500 | 5,489 |
| Average equity | $20,825,000 | 3,086 |
| Average total loans | $63,850,000 | 5,093 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 6,902 |
| Cost of funding earning assets | 1.1887% | 6,692 |
| Net interest margin | 3.6337% | 4,411 |
| Noninterest income to average assets | 2.0730% | 354 |
| Noninterest expense to average assets | 5.3394% | 429 |
| Loan and lease loss provision to assets | 2.6209% | 745 |
| Net operating income to assets | -2.5891% | 7,292 |
| Return on assets (ROA) | -2.5891% | 7,293 |
| Pretax return on assets | -2.5891% | 7,169 |
| Return on Equity (ROE) | -10.6447% | 6,666 |
| Retained earnings to average equity (ytd only) | -10.6447% | 6,564 |
| Net charge-offs to loans | 1.8707% | 1,333 |
| Credit loss provision to net charge-offs | 191.8542% | 2,077 |
| Earnings coverage of net charge-offs (x) | 0.0233% | 6,167 |
| Efficiency ratio | 99.4081% | 1,134 |
| Assets per employee ($millions) | 2.6064% | 7,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5103% | 248 |
| Loan loss allowance to noncurrent loans | 188.3193% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 3.7340% | 1,786 |
| Noncurrent loans to loans | 2.3951% | 3,169 |
| Net loans and leases to total assets | 69.3302% | 3,410 |
| Net loans and leases to deposits | 94.6191% | 1,511 |
| Net loans and leases to core deposits | 118.4526% | 2,083 |
| Total domestic deposits to total assets | 73.2729% | 7,120 |
| Equity capital to assets | 23.6363% | 195 |
| Core capital (leverage) ratio | 21.2858% | 227 |
| Tier 1 risk-based capital ratio | 26.3632% | 737 |
| Total risk-based capital ratio | 27.6476% | 726 |
| Memoranda: | ||
| Average total assets | $94,355,400 | 5,260 |
| Average earning assets | $85,641,800 | 5,278 |
| Average equity | $22,950,400 | 2,833 |
| Average total loans | $68,904,600 | 4,909 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8047% | 7,109 |
| Cost of funding earning assets | 1.2305% | 6,802 |
| Net interest margin | 3.5742% | 4,575 |
| Noninterest income to average assets | 2.1073% | 333 |
| Noninterest expense to average assets | 5.2196% | 422 |
| Loan and lease loss provision to assets | -0.1420% | 8,075 |
| Net operating income to assets | 0.1629% | 5,281 |
| Return on assets (ROA) | 0.1629% | 5,339 |
| Pretax return on assets | 0.2923% | 5,085 |
| Return on Equity (ROE) | 0.6652% | 5,587 |
| Retained earnings to average equity (ytd only) | 0.6652% | 4,913 |
| Net charge-offs to loans | 0.3750% | 3,776 |
| Credit loss provision to net charge-offs | -51.7766% | 7,190 |
| Earnings coverage of net charge-offs (x) | 0.5482% | 5,482 |
| Efficiency ratio | 97.2006% | 1,198 |
| Assets per employee ($millions) | 2.5619% | 7,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1347% | 1,533 |
| Loan loss allowance to noncurrent loans | 118.2500% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 3.3100% | 2,040 |
| Noncurrent loans to loans | 1.8053% | 3,905 |
| Net loans and leases to total assets | 72.5487% | 2,905 |
| Net loans and leases to deposits | 102.7045% | 867 |
| Net loans and leases to core deposits | 129.1990% | 1,486 |
| Total domestic deposits to total assets | 70.6384% | 7,360 |
| Equity capital to assets | 26.2145% | 161 |
| Core capital (leverage) ratio | 23.6334% | 196 |
| Tier 1 risk-based capital ratio | 28.5560% | 645 |
| Total risk-based capital ratio | 29.8143% | 628 |
| Memoranda: | ||
| Average total assets | $95,789,750 | 5,249 |
| Average earning assets | $87,440,000 | 5,249 |
| Average equity | $23,451,500 | 2,812 |
| Average total loans | $70,045,500 | 4,910 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 7,142 |
| Cost of funding earning assets | 1.2726% | 6,890 |
| Net interest margin | 3.5705% | 4,497 |
| Noninterest income to average assets | 2.0730% | 346 |
| Noninterest expense to average assets | 5.2990% | 424 |
| Loan and lease loss provision to assets | -0.2085% | 8,174 |
| Net operating income to assets | 0.1411% | 5,448 |
| Return on assets (ROA) | 0.1411% | 5,541 |
| Pretax return on assets | 0.2576% | 5,310 |
| Return on Equity (ROE) | 0.5889% | 5,762 |
| Retained earnings to average equity (ytd only) | 0.5889% | 4,956 |
| Net charge-offs to loans | -0.2162% | 8,034 |
| Credit loss provision to net charge-offs | 132.4675% | 3,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0826% | 1,221 |
| Assets per employee ($millions) | 2.3457% | 7,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4360% | 955 |
| Loan loss allowance to noncurrent loans | 126.4376% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 2.4672% | 2,617 |
| Noncurrent loans to loans | 1.9266% | 3,634 |
| Net loans and leases to total assets | 74.1206% | 2,671 |
| Net loans and leases to deposits | 104.6517% | 862 |
| Net loans and leases to core deposits | 149.8530% | 660 |
| Total domestic deposits to total assets | 70.8260% | 7,388 |
| Equity capital to assets | 25.6378% | 189 |
| Core capital (leverage) ratio | 23.8012% | 231 |
| Tier 1 risk-based capital ratio | 27.6037% | 741 |
| Total risk-based capital ratio | 28.8645% | 720 |
| Memoranda: | ||
| Average total assets | $97,830,330 | 5,219 |
| Average earning assets | $89,736,000 | 5,211 |
| Average equity | $23,433,330 | 2,820 |
| Average total loans | $71,236,670 | 4,911 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8157% | 7,347 |
| Cost of funding earning assets | 1.3415% | 6,901 |
| Net interest margin | 3.4741% | 4,833 |
| Noninterest income to average assets | 1.9088% | 392 |
| Noninterest expense to average assets | 5.0453% | 473 |
| Loan and lease loss provision to assets | -0.4039% | 8,222 |
| Net operating income to assets | 0.2733% | 5,400 |
| Return on assets (ROA) | 0.2733% | 5,567 |
| Pretax return on assets | 0.4673% | 5,185 |
| Return on Equity (ROE) | 1.1783% | 6,072 |
| Retained earnings to average equity (ytd only) | 1.1783% | 5,166 |
| Net charge-offs to loans | -0.9930% | 8,159 |
| Credit loss provision to net charge-offs | 56.9832% | 4,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7597% | 1,184 |
| Assets per employee ($millions) | 2.4611% | 7,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5363% | 737 |
| Loan loss allowance to noncurrent loans | 77.5043% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 2.4130% | 2,376 |
| Noncurrent loans to loans | 3.2724% | 1,965 |
| Net loans and leases to total assets | 71.8663% | 3,270 |
| Net loans and leases to deposits | 100.3229% | 1,372 |
| Net loans and leases to core deposits | 143.5128% | 952 |
| Total domestic deposits to total assets | 71.6350% | 7,261 |
| Equity capital to assets | 24.4361% | 234 |
| Core capital (leverage) ratio | 22.7474% | 289 |
| Tier 1 risk-based capital ratio | 26.8789% | 827 |
| Total risk-based capital ratio | 28.1405% | 807 |
| Memoranda: | ||
| Average total assets | $101,004,500 | 5,151 |
| Average earning assets | $93,030,000 | 5,116 |
| Average equity | $23,423,000 | 2,825 |
| Average total loans | $72,105,000 | 4,902 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4484% | 7,398 |
| Cost of funding earning assets | 2.1112% | 5,996 |
| Net interest margin | 3.3371% | 5,911 |
| Noninterest income to average assets | 2.4092% | 267 |
| Noninterest expense to average assets | 5.9313% | 413 |
| Loan and lease loss provision to assets | 2.9498% | 311 |
| Net operating income to assets | -2.0899% | 7,625 |
| Return on assets (ROA) | -2.1994% | 7,607 |
| Pretax return on assets | -3.5801% | 7,820 |
| Return on Equity (ROE) | -8.6714% | 7,172 |
| Retained earnings to average equity (ytd only) | -8.6714% | 6,939 |
| Net charge-offs to loans | 2.4644% | 396 |
| Credit loss provision to net charge-offs | 171.1164% | 2,988 |
| Earnings coverage of net charge-offs (x) | -0.2664% | 6,403 |
| Efficiency ratio | 108.3923% | 746 |
| Assets per employee ($millions) | 2.9452% | 6,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3394% | 804 |
| Loan loss allowance to noncurrent loans | 73.3874% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 2.2079% | 2,211 |
| Noncurrent loans to loans | 3.1878% | 1,653 |
| Net loans and leases to total assets | 67.6416% | 4,529 |
| Net loans and leases to deposits | 89.0145% | 3,632 |
| Net loans and leases to core deposits | 115.6870% | 3,156 |
| Total domestic deposits to total assets | 75.9894% | 6,241 |
| Equity capital to assets | 22.0621% | 350 |
| Core capital (leverage) ratio | 20.2197% | 430 |
| Tier 1 risk-based capital ratio | 25.0375% | 983 |
| Total risk-based capital ratio | 26.2963% | 964 |
| Memoranda: | ||
| Average total assets | $98,208,600 | 5,109 |
| Average earning assets | $90,136,800 | 5,075 |
| Average equity | $24,909,400 | 2,644 |
| Average total loans | $68,697,600 | 4,919 |