Home > Inez Deposit Bank > Performance and Condition Ratios
Inez Deposit Bank, Performance and Condition Ratios
| 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 | 2.8802% | 4,711 |
| Cost of funding earning assets | 0.5126% | 2,868 |
| Net interest margin | 2.3676% | 4,678 |
| Noninterest income to average assets | 0.7799% | 1,590 |
| Noninterest expense to average assets | 2.7865% | 1,976 |
| Loan and lease loss provision to assets | 0.0613% | 3,605 |
| Net operating income to assets | 0.0450% | 4,700 |
| Return on assets (ROA) | 0.0763% | 4,718 |
| Pretax return on assets | 0.0742% | 4,717 |
| Return on Equity (ROE) | 0.6037% | 4,716 |
| Retained earnings to average equity (ytd only) | -39.8258% | 4,987 |
| Net charge-offs to loans | 0.1999% | 863 |
| Credit loss provision to net charge-offs | 96.7742% | 2,876 |
| Earnings coverage of net charge-offs (x) | 1.6452% | 3,243 |
| Efficiency ratio | 96.3949% | 223 |
| Assets per employee ($millions) | 4.3700% | 4,044 |
| Cash dividends to net income (ytd only)* | 6,696.4286% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 1,391 |
| Loan loss allowance to noncurrent loans | 33.9139% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.3900% | 560 |
| Noncurrent loans to loans | 4.6057% | 107 |
| Net loans and leases to total assets | 27.2767% | 4,803 |
| Net loans and leases to deposits | 29.8905% | 4,834 |
| Net loans and leases to core deposits | 30.7561% | 4,842 |
| Total domestic deposits to total assets | 91.2554% | 167 |
| Equity capital to assets | 8.3040% | 4,572 |
| Core capital (leverage) ratio | 7.8134% | 4,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8909% | 248 |
| Memoranda: | ||
| Average total assets | $146,814,600 | 3,435 |
| Average earning assets | $130,894,000 | 3,490 |
| Average equity | $18,550,800 | 3,319 |
| Average total loans | $46,525,000 | 4,173 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0047% | 4,729 |
| Cost of funding earning assets | 0.5253% | 3,079 |
| Net interest margin | 2.4793% | 4,669 |
| Noninterest income to average assets | 0.8526% | 1,342 |
| Noninterest expense to average assets | 2.7835% | 2,013 |
| Loan and lease loss provision to assets | 0.0826% | 3,284 |
| Net operating income to assets | 0.1847% | 4,614 |
| Return on assets (ROA) | 0.2193% | 4,604 |
| Pretax return on assets | 0.2680% | 4,585 |
| Return on Equity (ROE) | 1.5922% | 4,610 |
| Retained earnings to average equity (ytd only) | 1.5922% | 4,057 |
| Net charge-offs to loans | 0.2131% | 714 |
| Credit loss provision to net charge-offs | 118.4211% | 2,505 |
| Earnings coverage of net charge-offs (x) | 4.4211% | 2,822 |
| Efficiency ratio | 90.0267% | 362 |
| Assets per employee ($millions) | 3.7207% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 1,336 |
| Loan loss allowance to noncurrent loans | 34.9255% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.6186% | 502 |
| Noncurrent loans to loans | 4.3429% | 143 |
| Net loans and leases to total assets | 29.6663% | 4,831 |
| Net loans and leases to deposits | 34.5423% | 4,847 |
| Net loans and leases to core deposits | 35.6522% | 4,850 |
| Total domestic deposits to total assets | 85.8838% | 2,124 |
| Equity capital to assets | 13.6338% | 963 |
| Core capital (leverage) ratio | 12.8230% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.2868% | 110 |
| Memoranda: | ||
| Average total assets | $145,280,500 | 3,442 |
| Average earning assets | $131,214,250 | 3,482 |
| Average equity | $20,013,250 | 3,184 |
| Average total loans | $47,560,750 | 4,173 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0796% | 4,794 |
| Cost of funding earning assets | 0.5242% | 3,389 |
| Net interest margin | 2.5554% | 4,693 |
| Noninterest income to average assets | 0.8036% | 1,428 |
| Noninterest expense to average assets | 2.7981% | 2,100 |
| Loan and lease loss provision to assets | 0.0833% | 3,241 |
| Net operating income to assets | 0.2537% | 4,504 |
| Return on assets (ROA) | 0.3067% | 4,455 |
| Pretax return on assets | 0.3678% | 4,447 |
| Return on Equity (ROE) | 2.2188% | 4,492 |
| Retained earnings to average equity (ytd only) | 2.2188% | 3,676 |
| Net charge-offs to loans | 0.1981% | 776 |
| Credit loss provision to net charge-offs | 125.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.8125% | 2,486 |
| Efficiency ratio | 87.8431% | 455 |
| Assets per employee ($millions) | 3.7364% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 1,403 |
| Loan loss allowance to noncurrent loans | 38.6195% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.5316% | 602 |
| Noncurrent loans to loans | 3.7558% | 195 |
| Net loans and leases to total assets | 30.7774% | 4,841 |
| Net loans and leases to deposits | 35.7791% | 4,866 |
| Net loans and leases to core deposits | 36.9213% | 4,869 |
| Total domestic deposits to total assets | 86.0204% | 2,001 |
| Equity capital to assets | 13.5654% | 967 |
| Core capital (leverage) ratio | 13.1174% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,097,667 | 3,439 |
| Average earning assets | $134,305,000 | 3,413 |
| Average equity | $19,920,667 | 3,181 |
| Average total loans | $48,470,333 | 4,166 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4166% | 4,722 |
| Cost of funding earning assets | 0.5303% | 3,790 |
| Net interest margin | 2.8863% | 4,453 |
| Noninterest income to average assets | 0.9645% | 925 |
| Noninterest expense to average assets | 3.1481% | 1,529 |
| Loan and lease loss provision to assets | 0.0849% | 2,632 |
| Net operating income to assets | 0.3600% | 4,215 |
| Return on assets (ROA) | 0.4667% | 4,037 |
| Pretax return on assets | 0.5713% | 3,975 |
| Return on Equity (ROE) | 3.3428% | 4,132 |
| Retained earnings to average equity (ytd only) | 3.3428% | 2,943 |
| Net charge-offs to loans | 0.0081% | 2,272 |
| Credit loss provision to net charge-offs | 3,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 364 |
| Efficiency ratio | 85.6813% | 722 |
| Assets per employee ($millions) | 3.5176% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 1,554 |
| Loan loss allowance to noncurrent loans | 30.3532% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.9815% | 425 |
| Noncurrent loans to loans | 4.7391% | 142 |
| Net loans and leases to total assets | 33.8934% | 4,834 |
| Net loans and leases to deposits | 39.7203% | 4,838 |
| Net loans and leases to core deposits | 41.0815% | 4,860 |
| Total domestic deposits to total assets | 85.3301% | 2,277 |
| Equity capital to assets | 14.3195% | 956 |
| Core capital (leverage) ratio | 13.6551% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,419,500 | 3,443 |
| Average earning assets | $132,763,500 | 3,412 |
| Average equity | $19,744,000 | 3,193 |
| Average total loans | $49,368,000 | 4,167 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 4,783 |
| Cost of funding earning assets | 0.4965% | 4,109 |
| Net interest margin | 3.0974% | 4,371 |
| Noninterest income to average assets | 0.9760% | 1,026 |
| Noninterest expense to average assets | 3.2367% | 1,432 |
| Loan and lease loss provision to assets | 0.0846% | 2,312 |
| Net operating income to assets | 0.4654% | 4,480 |
| Return on assets (ROA) | 0.4943% | 4,466 |
| Pretax return on assets | 0.6022% | 4,408 |
| Return on Equity (ROE) | 3.7956% | 4,517 |
| Retained earnings to average equity (ytd only) | 3.7956% | 3,078 |
| Net charge-offs to loans | 0.2002% | 1,019 |
| Credit loss provision to net charge-offs | 116.5049% | 2,167 |
| Earnings coverage of net charge-offs (x) | 8.9709% | 2,714 |
| Efficiency ratio | 83.2427% | 710 |
| Assets per employee ($millions) | 3.3842% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 1,822 |
| Loan loss allowance to noncurrent loans | 32.5354% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.8088% | 481 |
| Noncurrent loans to loans | 4.0655% | 162 |
| Net loans and leases to total assets | 34.9560% | 4,873 |
| Net loans and leases to deposits | 40.6302% | 4,894 |
| Net loans and leases to core deposits | 41.9956% | 4,904 |
| Total domestic deposits to total assets | 86.0345% | 2,053 |
| Equity capital to assets | 13.6067% | 1,242 |
| Core capital (leverage) ratio | 13.4955% | 1,057 |
| Tier 1 risk-based capital ratio | 38.1212% | 273 |
| Total risk-based capital ratio | 39.3707% | 267 |
| Memoranda: | ||
| Average total assets | $141,809,000 | 3,412 |
| Average earning assets | $133,337,000 | 3,379 |
| Average equity | $18,468,600 | 3,283 |
| Average total loans | $51,452,400 | 4,149 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6625% | 4,820 |
| Cost of funding earning assets | 0.4867% | 4,194 |
| Net interest margin | 3.1758% | 4,355 |
| Noninterest income to average assets | 0.9774% | 980 |
| Noninterest expense to average assets | 3.2164% | 1,437 |
| Loan and lease loss provision to assets | 0.0847% | 2,215 |
| Net operating income to assets | 0.5400% | 4,428 |
| Return on assets (ROA) | 0.5400% | 4,483 |
| Pretax return on assets | 0.6595% | 4,434 |
| Return on Equity (ROE) | 4.1933% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.1933% | 3,302 |
| Net charge-offs to loans | 0.0928% | 1,546 |
| Credit loss provision to net charge-offs | 250.0000% | 1,092 |
| Earnings coverage of net charge-offs (x) | 21.9717% | 1,887 |
| Efficiency ratio | 81.2114% | 815 |
| Assets per employee ($millions) | 3.1962% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 1,624 |
| Loan loss allowance to noncurrent loans | 35.5230% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.6262% | 641 |
| Noncurrent loans to loans | 3.9074% | 183 |
| Net loans and leases to total assets | 35.5144% | 4,952 |
| Net loans and leases to deposits | 41.3353% | 4,965 |
| Net loans and leases to core deposits | 42.6014% | 4,987 |
| Total domestic deposits to total assets | 85.9180% | 2,027 |
| Equity capital to assets | 13.7151% | 1,264 |
| Core capital (leverage) ratio | 13.4038% | 1,168 |
| Tier 1 risk-based capital ratio | 37.3155% | 294 |
| Total risk-based capital ratio | 38.5666% | 287 |
| Memoranda: | ||
| Average total assets | $141,727,250 | 3,445 |
| Average earning assets | $133,130,250 | 3,413 |
| Average equity | $18,250,750 | 3,330 |
| Average total loans | $51,727,750 | 4,194 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6816% | 4,850 |
| Cost of funding earning assets | 0.4746% | 4,230 |
| Net interest margin | 3.2070% | 4,355 |
| Noninterest income to average assets | 0.9571% | 962 |
| Noninterest expense to average assets | 3.2556% | 1,376 |
| Loan and lease loss provision to assets | 0.0845% | 2,156 |
| Net operating income to assets | 0.5180% | 4,492 |
| Return on assets (ROA) | 0.5180% | 4,524 |
| Pretax return on assets | 0.6320% | 4,487 |
| Return on Equity (ROE) | 4.1106% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.1106% | 3,191 |
| Net charge-offs to loans | 0.1229% | 1,212 |
| Credit loss provision to net charge-offs | 187.5000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 15.9063% | 1,961 |
| Efficiency ratio | 81.9631% | 802 |
| Assets per employee ($millions) | 3.2030% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 1,947 |
| Loan loss allowance to noncurrent loans | 38.0845% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.5710% | 696 |
| Noncurrent loans to loans | 3.4534% | 244 |
| Net loans and leases to total assets | 35.9909% | 4,978 |
| Net loans and leases to deposits | 41.6598% | 5,004 |
| Net loans and leases to core deposits | 42.9523% | 5,024 |
| Total domestic deposits to total assets | 86.3925% | 1,857 |
| Equity capital to assets | 13.3747% | 1,389 |
| Core capital (leverage) ratio | 13.0256% | 1,288 |
| Tier 1 risk-based capital ratio | 36.0809% | 308 |
| Total risk-based capital ratio | 37.3308% | 303 |
| Memoranda: | ||
| Average total assets | $142,092,000 | 3,463 |
| Average earning assets | $133,582,330 | 3,432 |
| Average equity | $17,905,000 | 3,365 |
| Average total loans | $52,087,670 | 4,215 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6436% | 4,916 |
| Cost of funding earning assets | 0.4536% | 4,271 |
| Net interest margin | 3.1900% | 4,404 |
| Noninterest income to average assets | 0.9224% | 987 |
| Noninterest expense to average assets | 3.2914% | 1,301 |
| Loan and lease loss provision to assets | 0.0841% | 2,017 |
| Net operating income to assets | 0.4542% | 4,631 |
| Return on assets (ROA) | 0.4542% | 4,647 |
| Pretax return on assets | 0.5439% | 4,603 |
| Return on Equity (ROE) | 3.7171% | 4,631 |
| Retained earnings to average equity (ytd only) | 3.7171% | 3,436 |
| Net charge-offs to loans | 0.0153% | 2,175 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 617 |
| Efficiency ratio | 83.9771% | 710 |
| Assets per employee ($millions) | 3.1188% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 2,130 |
| Loan loss allowance to noncurrent loans | 43.1673% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.4080% | 884 |
| Noncurrent loans to loans | 2.9915% | 366 |
| Net loans and leases to total assets | 36.0176% | 5,018 |
| Net loans and leases to deposits | 41.2249% | 5,061 |
| Net loans and leases to core deposits | 42.5562% | 5,069 |
| Total domestic deposits to total assets | 87.3684% | 1,627 |
| Equity capital to assets | 12.5626% | 1,697 |
| Core capital (leverage) ratio | 12.9400% | 1,301 |
| Tier 1 risk-based capital ratio | 34.5845% | 336 |
| Total risk-based capital ratio | 35.8332% | 329 |
| Memoranda: | ||
| Average total assets | $142,673,000 | 3,494 |
| Average earning assets | $134,042,000 | 3,453 |
| Average equity | $17,433,000 | 3,430 |
| Average total loans | $52,432,500 | 4,254 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5665% | 4,838 |
| Cost of funding earning assets | 0.4142% | 3,902 |
| Net interest margin | 3.1524% | 4,573 |
| Noninterest income to average assets | 0.8506% | 1,308 |
| Noninterest expense to average assets | 3.2258% | 1,493 |
| Loan and lease loss provision to assets | 0.0844% | 2,444 |
| Net operating income to assets | 0.4151% | 4,837 |
| Return on assets (ROA) | 0.4151% | 4,831 |
| Pretax return on assets | 0.4911% | 4,809 |
| Return on Equity (ROE) | 3.5537% | 4,806 |
| Retained earnings to average equity (ytd only) | -2.4695% | 5,152 |
| Net charge-offs to loans | 0.3148% | 615 |
| Credit loss provision to net charge-offs | 73.6196% | 2,946 |
| Earnings coverage of net charge-offs (x) | 5.0184% | 3,233 |
| Efficiency ratio | 84.8603% | 592 |
| Assets per employee ($millions) | 3.0843% | 4,936 |
| Cash dividends to net income (ytd only)* | 169.4915% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 2,386 |
| Loan loss allowance to noncurrent loans | 37.4350% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.5830% | 718 |
| Noncurrent loans to loans | 3.2961% | 284 |
| Net loans and leases to total assets | 36.5577% | 5,055 |
| Net loans and leases to deposits | 41.5799% | 5,090 |
| Net loans and leases to core deposits | 42.9328% | 5,104 |
| Total domestic deposits to total assets | 87.9215% | 1,334 |
| Equity capital to assets | 11.8713% | 1,988 |
| Core capital (leverage) ratio | 12.8961% | 1,288 |
| Tier 1 risk-based capital ratio | 33.8095% | 346 |
| Total risk-based capital ratio | 35.0023% | 340 |
| Memoranda: | ||
| Average total assets | $142,136,000 | 3,472 |
| Average earning assets | $133,042,200 | 3,451 |
| Average equity | $16,602,400 | 3,448 |
| Average total loans | $51,779,000 | 4,275 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5746% | 4,843 |
| Cost of funding earning assets | 0.3996% | 3,860 |
| Net interest margin | 3.1750% | 4,560 |
| Noninterest income to average assets | 0.8279% | 1,384 |
| Noninterest expense to average assets | 3.1917% | 1,542 |
| Loan and lease loss provision to assets | 0.0844% | 2,278 |
| Net operating income to assets | 0.4238% | 4,908 |
| Return on assets (ROA) | 0.4238% | 4,917 |
| Pretax return on assets | 0.5241% | 4,867 |
| Return on Equity (ROE) | 3.6431% | 4,893 |
| Retained earnings to average equity (ytd only) | -4.4169% | 5,297 |
| Net charge-offs to loans | 0.4031% | 405 |
| Credit loss provision to net charge-offs | 57.6923% | 2,774 |
| Earnings coverage of net charge-offs (x) | 4.1603% | 3,095 |
| Efficiency ratio | 83.9872% | 641 |
| Assets per employee ($millions) | 2.9062% | 5,103 |
| Cash dividends to net income (ytd only)* | 221.2395% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 2,519 |
| Loan loss allowance to noncurrent loans | 48.1139% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.3068% | 1,039 |
| Noncurrent loans to loans | 2.5328% | 511 |
| Net loans and leases to total assets | 36.3186% | 5,134 |
| Net loans and leases to deposits | 41.1049% | 5,185 |
| Net loans and leases to core deposits | 42.4811% | 5,190 |
| Total domestic deposits to total assets | 88.3559% | 1,097 |
| Equity capital to assets | 11.4118% | 2,324 |
| Core capital (leverage) ratio | 12.7009% | 1,415 |
| Tier 1 risk-based capital ratio | 34.0049% | 344 |
| Total risk-based capital ratio | 35.1708% | 340 |
| Memoranda: | ||
| Average total assets | $142,200,000 | 3,513 |
| Average earning assets | $133,120,500 | 3,490 |
| Average equity | $16,542,250 | 3,480 |
| Average total loans | $51,594,750 | 4,324 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5542% | 4,844 |
| Cost of funding earning assets | 0.3818% | 3,855 |
| Net interest margin | 3.1724% | 4,571 |
| Noninterest income to average assets | 0.8302% | 1,385 |
| Noninterest expense to average assets | 3.1544% | 1,652 |
| Loan and lease loss provision to assets | 0.0839% | 2,237 |
| Net operating income to assets | 0.4752% | 4,808 |
| Return on assets (ROA) | 0.4752% | 4,814 |
| Pretax return on assets | 0.5646% | 4,794 |
| Return on Equity (ROE) | 4.0597% | 4,805 |
| Retained earnings to average equity (ytd only) | -7.8806% | 5,378 |
| Net charge-offs to loans | 0.2166% | 736 |
| Credit loss provision to net charge-offs | 107.1429% | 1,931 |
| Earnings coverage of net charge-offs (x) | 8.2857% | 2,488 |
| Efficiency ratio | 82.9474% | 765 |
| Assets per employee ($millions) | 3.0815% | 5,043 |
| Cash dividends to net income (ytd only)* | 294.1176% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 1,853 |
| Loan loss allowance to noncurrent loans | 54.9407% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.2134% | 1,183 |
| Noncurrent loans to loans | 2.4938% | 520 |
| Net loans and leases to total assets | 35.2953% | 5,201 |
| Net loans and leases to deposits | 39.9221% | 5,247 |
| Net loans and leases to core deposits | 41.2363% | 5,260 |
| Total domestic deposits to total assets | 88.4103% | 1,178 |
| Equity capital to assets | 11.4218% | 2,250 |
| Core capital (leverage) ratio | 12.4199% | 1,478 |
| Tier 1 risk-based capital ratio | 33.5450% | 360 |
| Total risk-based capital ratio | 34.7948% | 351 |
| Memoranda: | ||
| Average total assets | $143,101,330 | 3,523 |
| Average earning assets | $134,096,000 | 3,498 |
| Average equity | $16,750,000 | 3,471 |
| Average total loans | $51,697,000 | 4,357 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 4,836 |
| Cost of funding earning assets | 0.3614% | 3,899 |
| Net interest margin | 3.1635% | 4,573 |
| Noninterest income to average assets | 0.8541% | 1,282 |
| Noninterest expense to average assets | 3.1966% | 1,573 |
| Loan and lease loss provision to assets | 0.0835% | 2,130 |
| Net operating income to assets | 0.3839% | 4,955 |
| Return on assets (ROA) | 0.3839% | 4,963 |
| Pretax return on assets | 0.5453% | 4,799 |
| Return on Equity (ROE) | 3.2413% | 4,966 |
| Retained earnings to average equity (ytd only) | -20.2466% | 5,507 |
| Net charge-offs to loans | 0.2836% | 540 |
| Credit loss provision to net charge-offs | 81.0811% | 1,738 |
| Earnings coverage of net charge-offs (x) | 6.1081% | 2,182 |
| Efficiency ratio | 83.5636% | 831 |
| Assets per employee ($millions) | 3.1308% | 5,063 |
| Cash dividends to net income (ytd only)* | 724.6377% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 2,149 |
| Loan loss allowance to noncurrent loans | 42.7767% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.4665% | 968 |
| Noncurrent loans to loans | 3.0869% | 382 |
| Net loans and leases to total assets | 35.4926% | 5,220 |
| Net loans and leases to deposits | 40.0663% | 5,260 |
| Net loans and leases to core deposits | 41.3676% | 5,279 |
| Total domestic deposits to total assets | 88.5846% | 1,314 |
| Equity capital to assets | 11.2481% | 2,348 |
| Core capital (leverage) ratio | 12.2919% | 1,480 |
| Tier 1 risk-based capital ratio | 32.5479% | 391 |
| Total risk-based capital ratio | 33.7906% | 383 |
| Memoranda: | ||
| Average total assets | $143,778,500 | 3,551 |
| Average earning assets | $135,042,000 | 3,523 |
| Average equity | $17,030,000 | 3,472 |
| Average total loans | $52,183,000 | 4,388 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4350% | 4,890 |
| Cost of funding earning assets | 0.3861% | 3,377 |
| Net interest margin | 3.0488% | 4,793 |
| Noninterest income to average assets | 0.7456% | 1,787 |
| Noninterest expense to average assets | 3.0801% | 1,915 |
| Loan and lease loss provision to assets | 0.0409% | 3,448 |
| Net operating income to assets | 0.1986% | 5,115 |
| Return on assets (ROA) | 0.2340% | 5,053 |
| Pretax return on assets | 0.4755% | 4,966 |
| Return on Equity (ROE) | 1.9128% | 5,076 |
| Retained earnings to average equity (ytd only) | 1.9128% | 4,172 |
| Net charge-offs to loans | 0.1931% | 1,318 |
| Credit loss provision to net charge-offs | 60.0000% | 3,212 |
| Earnings coverage of net charge-offs (x) | 6.7600% | 3,142 |
| Efficiency ratio | 86.9775% | 586 |
| Assets per employee ($millions) | 2.9904% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,152 |
| Loan loss allowance to noncurrent loans | 41.7019% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.4818% | 928 |
| Noncurrent loans to loans | 3.1522% | 342 |
| Net loans and leases to total assets | 36.1402% | 5,282 |
| Net loans and leases to deposits | 41.4018% | 5,311 |
| Net loans and leases to core deposits | 42.7741% | 5,323 |
| Total domestic deposits to total assets | 87.2914% | 1,862 |
| Equity capital to assets | 12.4431% | 1,553 |
| Core capital (leverage) ratio | 12.8104% | 1,217 |
| Tier 1 risk-based capital ratio | 33.7346% | 351 |
| Total risk-based capital ratio | 34.9761% | 344 |
| Memoranda: | ||
| Average total assets | $146,585,600 | 3,514 |
| Average earning assets | $134,412,200 | 3,539 |
| Average equity | $17,932,000 | 3,373 |
| Average total loans | $51,779,800 | 4,413 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4146% | 4,945 |
| Cost of funding earning assets | 0.3898% | 3,290 |
| Net interest margin | 3.0248% | 4,864 |
| Noninterest income to average assets | 0.7393% | 1,835 |
| Noninterest expense to average assets | 3.0395% | 2,001 |
| Loan and lease loss provision to assets | 0.0407% | 3,294 |
| Net operating income to assets | 0.2935% | 5,226 |
| Return on assets (ROA) | 0.3448% | 5,145 |
| Pretax return on assets | 0.4923% | 5,044 |
| Return on Equity (ROE) | 2.8301% | 5,151 |
| Retained earnings to average equity (ytd only) | 2.8301% | 4,218 |
| Net charge-offs to loans | 0.1499% | 1,343 |
| Credit loss provision to net charge-offs | 77.5862% | 2,617 |
| Earnings coverage of net charge-offs (x) | 8.7588% | 2,744 |
| Efficiency ratio | 86.8632% | 574 |
| Assets per employee ($millions) | 2.9470% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 2,015 |
| Loan loss allowance to noncurrent loans | 40.7491% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.5373% | 976 |
| Noncurrent loans to loans | 3.3657% | 336 |
| Net loans and leases to total assets | 35.7557% | 5,360 |
| Net loans and leases to deposits | 41.0378% | 5,385 |
| Net loans and leases to core deposits | 42.3888% | 5,410 |
| Total domestic deposits to total assets | 87.1286% | 1,808 |
| Equity capital to assets | 12.6180% | 1,597 |
| Core capital (leverage) ratio | 12.6338% | 1,366 |
| Tier 1 risk-based capital ratio | 33.9796% | 354 |
| Total risk-based capital ratio | 35.2286% | 343 |
| Memoranda: | ||
| Average total assets | $147,346,750 | 3,532 |
| Average earning assets | $134,439,500 | 3,568 |
| Average equity | $17,949,750 | 3,400 |
| Average total loans | $51,583,000 | 4,455 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4003% | 4,970 |
| Cost of funding earning assets | 0.4028% | 3,044 |
| Net interest margin | 2.9975% | 4,921 |
| Noninterest income to average assets | 0.7146% | 1,924 |
| Noninterest expense to average assets | 2.9597% | 2,238 |
| Loan and lease loss provision to assets | 0.0405% | 3,198 |
| Net operating income to assets | 0.2929% | 5,243 |
| Return on assets (ROA) | 0.3695% | 5,072 |
| Pretax return on assets | 0.5218% | 4,970 |
| Return on Equity (ROE) | 3.0684% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.0684% | 3,884 |
| Net charge-offs to loans | 0.0935% | 1,682 |
| Credit loss provision to net charge-offs | 125.0000% | 1,726 |
| Earnings coverage of net charge-offs (x) | 14.0417% | 2,096 |
| Efficiency ratio | 86.6904% | 636 |
| Assets per employee ($millions) | 3.0547% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 1,884 |
| Loan loss allowance to noncurrent loans | 43.7129% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.4179% | 1,110 |
| Noncurrent loans to loans | 3.2386% | 376 |
| Net loans and leases to total assets | 35.0029% | 5,414 |
| Net loans and leases to deposits | 40.0226% | 5,453 |
| Net loans and leases to core deposits | 41.3162% | 5,460 |
| Total domestic deposits to total assets | 87.4578% | 1,742 |
| Equity capital to assets | 12.3492% | 1,702 |
| Core capital (leverage) ratio | 12.3536% | 1,440 |
| Tier 1 risk-based capital ratio | 32.8780% | 373 |
| Total risk-based capital ratio | 34.1270% | 366 |
| Memoranda: | ||
| Average total assets | $148,327,330 | 3,544 |
| Average earning assets | $133,577,330 | 3,599 |
| Average equity | $17,859,330 | 3,419 |
| Average total loans | $51,327,000 | 4,484 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3181% | 5,074 |
| Cost of funding earning assets | 0.3961% | 3,031 |
| Net interest margin | 2.9220% | 5,044 |
| Noninterest income to average assets | 0.7695% | 1,668 |
| Noninterest expense to average assets | 2.8503% | 2,612 |
| Loan and lease loss provision to assets | 0.0402% | 3,000 |
| Net operating income to assets | 0.3539% | 5,066 |
| Return on assets (ROA) | 0.3539% | 5,086 |
| Pretax return on assets | 0.5095% | 4,950 |
| Return on Equity (ROE) | 2.9771% | 5,103 |
| Retained earnings to average equity (ytd only) | 2.9771% | 3,920 |
| Net charge-offs to loans | -0.0157% | 4,615 |
| Credit loss provision to net charge-offs | -750.0000% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8328% | 985 |
| Assets per employee ($millions) | 3.1935% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 1,810 |
| Loan loss allowance to noncurrent loans | 46.6667% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 1.3651% | 1,227 |
| Noncurrent loans to loans | 3.1423% | 419 |
| Net loans and leases to total assets | 33.5305% | 5,484 |
| Net loans and leases to deposits | 38.1137% | 5,521 |
| Net loans and leases to core deposits | 39.3926% | 5,540 |
| Total domestic deposits to total assets | 87.9750% | 1,728 |
| Equity capital to assets | 11.8891% | 1,915 |
| Core capital (leverage) ratio | 12.3322% | 1,428 |
| Tier 1 risk-based capital ratio | 31.8703% | 417 |
| Total risk-based capital ratio | 33.1199% | 409 |
| Memoranda: | ||
| Average total assets | $149,178,500 | 3,564 |
| Average earning assets | $134,293,500 | 3,619 |
| Average equity | $17,735,500 | 3,447 |
| Average total loans | $50,960,500 | 4,529 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2802% | 5,189 |
| Cost of funding earning assets | 0.4562% | 2,480 |
| Net interest margin | 2.8240% | 5,257 |
| Noninterest income to average assets | 0.7057% | 2,151 |
| Noninterest expense to average assets | 3.0421% | 2,211 |
| Loan and lease loss provision to assets | 0.0726% | 2,902 |
| Net operating income to assets | 0.1697% | 5,462 |
| Return on assets (ROA) | 0.1941% | 5,477 |
| Pretax return on assets | 0.1941% | 5,502 |
| Return on Equity (ROE) | 1.5889% | 5,475 |
| Retained earnings to average equity (ytd only) | 0.5080% | 5,129 |
| Net charge-offs to loans | 0.3375% | 814 |
| Credit loss provision to net charge-offs | 62.8571% | 3,206 |
| Earnings coverage of net charge-offs (x) | 2.0971% | 3,884 |
| Efficiency ratio | 92.6231% | 437 |
| Assets per employee ($millions) | 3.0257% | 5,328 |
| Cash dividends to net income (ytd only)* | 68.0272% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 1,918 |
| Loan loss allowance to noncurrent loans | 28.1538% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 1.9816% | 699 |
| Noncurrent loans to loans | 5.1137% | 154 |
| Net loans and leases to total assets | 33.7999% | 5,552 |
| Net loans and leases to deposits | 38.4696% | 5,592 |
| Net loans and leases to core deposits | 39.6315% | 5,608 |
| Total domestic deposits to total assets | 87.8613% | 1,703 |
| Equity capital to assets | 11.8885% | 1,888 |
| Core capital (leverage) ratio | 12.1316% | 1,517 |
| Tier 1 risk-based capital ratio | 31.0455% | 439 |
| Total risk-based capital ratio | 32.2885% | 434 |
| Memoranda: | ||
| Average total assets | $151,475,200 | 3,500 |
| Average earning assets | $138,313,600 | 3,517 |
| Average equity | $18,503,200 | 3,337 |
| Average total loans | $51,854,600 | 4,522 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2763% | 5,243 |
| Cost of funding earning assets | 0.4555% | 2,500 |
| Net interest margin | 2.8208% | 5,322 |
| Noninterest income to average assets | 0.6803% | 2,263 |
| Noninterest expense to average assets | 3.0697% | 2,098 |
| Loan and lease loss provision to assets | 0.0394% | 3,451 |
| Net operating income to assets | 0.1742% | 5,510 |
| Return on assets (ROA) | 0.1742% | 5,570 |
| Pretax return on assets | 0.1681% | 5,596 |
| Return on Equity (ROE) | 1.4172% | 5,576 |
| Retained earnings to average equity (ytd only) | 1.4172% | 4,945 |
| Net charge-offs to loans | 0.3122% | 739 |
| Credit loss provision to net charge-offs | 36.8852% | 3,177 |
| Earnings coverage of net charge-offs (x) | 1.9426% | 3,642 |
| Efficiency ratio | 93.6682% | 401 |
| Assets per employee ($millions) | 2.9895% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 2,022 |
| Loan loss allowance to noncurrent loans | 33.5511% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 1.6227% | 1,071 |
| Noncurrent loans to loans | 4.2905% | 239 |
| Net loans and leases to total assets | 32.2887% | 5,669 |
| Net loans and leases to deposits | 37.0548% | 5,700 |
| Net loans and leases to core deposits | 38.3808% | 5,714 |
| Total domestic deposits to total assets | 87.1378% | 1,830 |
| Equity capital to assets | 12.4300% | 1,819 |
| Core capital (leverage) ratio | 12.0722% | 1,624 |
| Tier 1 risk-based capital ratio | 31.7298% | 421 |
| Total risk-based capital ratio | 32.9704% | 414 |
| Memoranda: | ||
| Average total assets | $152,278,750 | 3,494 |
| Average earning assets | $140,194,750 | 3,513 |
| Average equity | $18,722,500 | 3,338 |
| Average total loans | $52,107,250 | 4,552 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2820% | 5,318 |
| Cost of funding earning assets | 0.4632% | 2,445 |
| Net interest margin | 2.8188% | 5,395 |
| Noninterest income to average assets | 0.6675% | 2,292 |
| Noninterest expense to average assets | 2.9865% | 2,390 |
| Loan and lease loss provision to assets | 0.0394% | 3,366 |
| Net operating income to assets | 0.2444% | 5,438 |
| Return on assets (ROA) | 0.2444% | 5,505 |
| Pretax return on assets | 0.2562% | 5,553 |
| Return on Equity (ROE) | 1.9950% | 5,506 |
| Retained earnings to average equity (ytd only) | 1.9950% | 4,566 |
| Net charge-offs to loans | 0.3559% | 655 |
| Credit loss provision to net charge-offs | 31.9149% | 2,840 |
| Earnings coverage of net charge-offs (x) | 2.3936% | 3,279 |
| Efficiency ratio | 90.9928% | 547 |
| Assets per employee ($millions) | 3.0804% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 2,031 |
| Loan loss allowance to noncurrent loans | 41.4261% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 1.4399% | 1,348 |
| Noncurrent loans to loans | 3.5208% | 375 |
| Net loans and leases to total assets | 33.4481% | 5,697 |
| Net loans and leases to deposits | 38.5781% | 5,733 |
| Net loans and leases to core deposits | 40.2245% | 5,734 |
| Total domestic deposits to total assets | 86.7022% | 2,060 |
| Equity capital to assets | 12.8771% | 1,573 |
| Core capital (leverage) ratio | 12.0476% | 1,597 |
| Tier 1 risk-based capital ratio | 32.1866% | 413 |
| Total risk-based capital ratio | 33.4355% | 404 |
| Memoranda: | ||
| Average total assets | $152,217,670 | 3,525 |
| Average earning assets | $141,193,670 | 3,518 |
| Average equity | $18,646,330 | 3,349 |
| Average total loans | $52,827,330 | 4,560 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2770% | 5,362 |
| Cost of funding earning assets | 0.4610% | 2,456 |
| Net interest margin | 2.8161% | 5,446 |
| Noninterest income to average assets | 0.6865% | 2,103 |
| Noninterest expense to average assets | 2.8757% | 2,791 |
| Loan and lease loss provision to assets | 0.0389% | 3,128 |
| Net operating income to assets | 0.3135% | 5,266 |
| Return on assets (ROA) | 0.3135% | 5,352 |
| Pretax return on assets | 0.3834% | 5,341 |
| Return on Equity (ROE) | 2.6234% | 5,350 |
| Retained earnings to average equity (ytd only) | 2.6234% | 4,196 |
| Net charge-offs to loans | 0.2068% | 971 |
| Credit loss provision to net charge-offs | 53.5714% | 2,023 |
| Earnings coverage of net charge-offs (x) | 5.8214% | 2,294 |
| Efficiency ratio | 87.1956% | 875 |
| Assets per employee ($millions) | 3.2403% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,887 |
| Loan loss allowance to noncurrent loans | 65.0083% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.0079% | 2,195 |
| Noncurrent loans to loans | 2.3458% | 841 |
| Net loans and leases to total assets | 33.2425% | 5,743 |
| Net loans and leases to deposits | 38.0444% | 5,776 |
| Net loans and leases to core deposits | 39.6051% | 5,783 |
| Total domestic deposits to total assets | 87.3783% | 2,012 |
| Equity capital to assets | 12.3289% | 1,803 |
| Core capital (leverage) ratio | 11.9871% | 1,611 |
| Tier 1 risk-based capital ratio | 31.8496% | 435 |
| Total risk-based capital ratio | 33.1003% | 430 |
| Memoranda: | ||
| Average total assets | $154,397,000 | 3,509 |
| Average earning assets | $143,178,500 | 3,508 |
| Average equity | $18,449,500 | 3,373 |
| Average total loans | $54,147,000 | 4,548 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3889% | 5,187 |
| Cost of funding earning assets | 0.5513% | 1,746 |
| Net interest margin | 2.8376% | 5,446 |
| Noninterest income to average assets | 0.6649% | 2,378 |
| Noninterest expense to average assets | 2.9312% | 2,758 |
| Loan and lease loss provision to assets | 0.0292% | 3,789 |
| Net operating income to assets | 0.1933% | 5,590 |
| Return on assets (ROA) | 0.2045% | 5,626 |
| Pretax return on assets | 0.2838% | 5,552 |
| Return on Equity (ROE) | 1.7193% | 5,643 |
| Retained earnings to average equity (ytd only) | 0.6277% | 5,266 |
| Net charge-offs to loans | 0.1454% | 1,908 |
| Credit loss provision to net charge-offs | 56.9620% | 3,295 |
| Earnings coverage of net charge-offs (x) | 5.7975% | 3,327 |
| Efficiency ratio | 90.7884% | 644 |
| Assets per employee ($millions) | 3.3298% | 5,102 |
| Cash dividends to net income (ytd only)* | 63.4921% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 2,413 |
| Loan loss allowance to noncurrent loans | 36.3263% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 1.6153% | 1,218 |
| Noncurrent loans to loans | 3.8570% | 328 |
| Net loans and leases to total assets | 35.8381% | 5,718 |
| Net loans and leases to deposits | 40.6507% | 5,753 |
| Net loans and leases to core deposits | 42.2565% | 5,758 |
| Total domestic deposits to total assets | 88.1611% | 1,551 |
| Equity capital to assets | 11.5801% | 2,298 |
| Core capital (leverage) ratio | 11.8703% | 1,709 |
| Tier 1 risk-based capital ratio | 28.3069% | 584 |
| Total risk-based capital ratio | 29.5472% | 575 |
| Memoranda: | ||
| Average total assets | $153,997,000 | 3,507 |
| Average earning assets | $139,132,000 | 3,549 |
| Average equity | $18,321,200 | 3,339 |
| Average total loans | $54,320,000 | 4,549 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4526% | 5,095 |
| Cost of funding earning assets | 0.5706% | 1,623 |
| Net interest margin | 2.8820% | 5,445 |
| Noninterest income to average assets | 0.6598% | 2,428 |
| Noninterest expense to average assets | 2.9896% | 2,555 |
| Loan and lease loss provision to assets | 0.0261% | 3,748 |
| Net operating income to assets | 0.1834% | 5,706 |
| Return on assets (ROA) | 0.1834% | 5,762 |
| Pretax return on assets | 0.2347% | 5,746 |
| Return on Equity (ROE) | 1.5314% | 5,770 |
| Retained earnings to average equity (ytd only) | 1.5314% | 5,101 |
| Net charge-offs to loans | 0.1515% | 1,621 |
| Credit loss provision to net charge-offs | 49.1803% | 3,047 |
| Earnings coverage of net charge-offs (x) | 4.9181% | 3,278 |
| Efficiency ratio | 91.9765% | 575 |
| Assets per employee ($millions) | 3.0448% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 2,076 |
| Loan loss allowance to noncurrent loans | 39.2927% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 1.5712% | 1,424 |
| Noncurrent loans to loans | 3.8636% | 354 |
| Net loans and leases to total assets | 34.0889% | 5,854 |
| Net loans and leases to deposits | 39.0641% | 5,898 |
| Net loans and leases to core deposits | 40.8339% | 5,894 |
| Total domestic deposits to total assets | 87.2642% | 1,912 |
| Equity capital to assets | 12.2760% | 1,891 |
| Core capital (leverage) ratio | 11.8824% | 1,757 |
| Tier 1 risk-based capital ratio | 30.7690% | 483 |
| Total risk-based capital ratio | 32.0192% | 477 |
| Memoranda: | ||
| Average total assets | $153,371,000 | 3,547 |
| Average earning assets | $137,864,750 | 3,602 |
| Average equity | $18,370,750 | 3,356 |
| Average total loans | $53,679,000 | 4,612 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4724% | 5,058 |
| Cost of funding earning assets | 0.5855% | 1,524 |
| Net interest margin | 2.8869% | 5,466 |
| Noninterest income to average assets | 0.6582% | 2,429 |
| Noninterest expense to average assets | 3.0270% | 2,475 |
| Loan and lease loss provision to assets | 0.0195% | 3,740 |
| Net operating income to assets | 0.1743% | 5,752 |
| Return on assets (ROA) | 0.1743% | 5,816 |
| Pretax return on assets | 0.2094% | 5,798 |
| Return on Equity (ROE) | 1.4673% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.4673% | 4,966 |
| Net charge-offs to loans | 0.1629% | 1,494 |
| Credit loss provision to net charge-offs | 34.0909% | 2,880 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,102 |
| Efficiency ratio | 92.9684% | 579 |
| Assets per employee ($millions) | 3.1998% | 5,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 2,339 |
| Loan loss allowance to noncurrent loans | 50.7274% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 1.2384% | 2,036 |
| Noncurrent loans to loans | 2.9372% | 687 |
| Net loans and leases to total assets | 34.5242% | 5,882 |
| Net loans and leases to deposits | 39.2999% | 5,922 |
| Net loans and leases to core deposits | 40.9529% | 5,931 |
| Total domestic deposits to total assets | 87.8480% | 1,729 |
| Equity capital to assets | 11.8785% | 2,121 |
| Core capital (leverage) ratio | 11.5456% | 1,960 |
| Tier 1 risk-based capital ratio | 30.0414% | 545 |
| Total risk-based capital ratio | 31.2920% | 536 |
| Memoranda: | ||
| Average total assets | $153,748,000 | 3,566 |
| Average earning assets | $138,350,000 | 3,624 |
| Average equity | $18,264,670 | 3,388 |
| Average total loans | $54,006,330 | 4,644 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5408% | 4,855 |
| Cost of funding earning assets | 0.5916% | 1,492 |
| Net interest margin | 2.9492% | 5,343 |
| Noninterest income to average assets | 0.6813% | 2,253 |
| Noninterest expense to average assets | 3.0580% | 2,405 |
| Loan and lease loss provision to assets | 0.0208% | 3,443 |
| Net operating income to assets | 0.2028% | 5,681 |
| Return on assets (ROA) | 0.2028% | 5,768 |
| Pretax return on assets | 0.2470% | 5,759 |
| Return on Equity (ROE) | 1.7073% | 5,754 |
| Retained earnings to average equity (ytd only) | 1.7073% | 4,792 |
| Net charge-offs to loans | 0.0370% | 2,468 |
| Credit loss provision to net charge-offs | 160.0000% | 1,202 |
| Earnings coverage of net charge-offs (x) | 20.6000% | 1,408 |
| Efficiency ratio | 91.9468% | 718 |
| Assets per employee ($millions) | 3.3617% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5605% | 2,188 |
| Loan loss allowance to noncurrent loans | 52.7848% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 1.1886% | 2,257 |
| Noncurrent loans to loans | 2.9564% | 750 |
| Net loans and leases to total assets | 33.2975% | 5,946 |
| Net loans and leases to deposits | 37.8329% | 5,996 |
| Net loans and leases to core deposits | 39.3726% | 5,993 |
| Total domestic deposits to total assets | 88.0120% | 1,809 |
| Equity capital to assets | 11.6981% | 2,292 |
| Core capital (leverage) ratio | 11.6620% | 1,881 |
| Tier 1 risk-based capital ratio | 30.2969% | 527 |
| Total risk-based capital ratio | 31.5486% | 521 |
| Memoranda: | ||
| Average total assets | $153,828,000 | 3,594 |
| Average earning assets | $137,936,000 | 3,657 |
| Average equity | $18,275,000 | 3,411 |
| Average total loans | $54,096,000 | 4,669 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6884% | 4,820 |
| Cost of funding earning assets | 0.6643% | 1,308 |
| Net interest margin | 3.0241% | 5,395 |
| Noninterest income to average assets | 0.6418% | 2,607 |
| Noninterest expense to average assets | 2.9425% | 3,025 |
| Loan and lease loss provision to assets | 0.0193% | 4,233 |
| Net operating income to assets | 0.3401% | 5,401 |
| Return on assets (ROA) | 0.3401% | 5,473 |
| Pretax return on assets | 0.4030% | 5,481 |
| Return on Equity (ROE) | 3.1131% | 5,433 |
| Retained earnings to average equity (ytd only) | 1.6446% | 4,989 |
| Net charge-offs to loans | 0.1529% | 2,510 |
| Credit loss provision to net charge-offs | 35.2941% | 3,760 |
| Earnings coverage of net charge-offs (x) | 7.7412% | 2,988 |
| Efficiency ratio | 87.4499% | 1,042 |
| Assets per employee ($millions) | 3.1842% | 5,453 |
| Cash dividends to net income (ytd only)* | 47.1698% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 2,395 |
| Loan loss allowance to noncurrent loans | 54.1721% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 1.2429% | 2,269 |
| Noncurrent loans to loans | 2.8019% | 841 |
| Net loans and leases to total assets | 36.0273% | 5,952 |
| Net loans and leases to deposits | 41.1022% | 5,995 |
| Net loans and leases to core deposits | 42.8798% | 5,999 |
| Total domestic deposits to total assets | 87.6530% | 1,955 |
| Equity capital to assets | 12.0724% | 1,963 |
| Core capital (leverage) ratio | 11.8354% | 1,744 |
| Tier 1 risk-based capital ratio | 30.2695% | 497 |
| Total risk-based capital ratio | 31.5208% | 494 |
| Memoranda: | ||
| Average total assets | $155,820,200 | 3,554 |
| Average earning assets | $140,305,000 | 3,603 |
| Average equity | $17,025,000 | 3,521 |
| Average total loans | $55,579,800 | 4,626 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7013% | 4,852 |
| Cost of funding earning assets | 0.6708% | 1,311 |
| Net interest margin | 3.0305% | 5,437 |
| Noninterest income to average assets | 0.6363% | 2,643 |
| Noninterest expense to average assets | 2.9570% | 2,944 |
| Loan and lease loss provision to assets | 0.0195% | 4,012 |
| Net operating income to assets | 0.3304% | 5,491 |
| Return on assets (ROA) | 0.3304% | 5,560 |
| Pretax return on assets | 0.3813% | 5,618 |
| Return on Equity (ROE) | 3.1017% | 5,504 |
| Retained earnings to average equity (ytd only) | 3.1017% | 4,414 |
| Net charge-offs to loans | 0.0908% | 2,916 |
| Credit loss provision to net charge-offs | 60.5263% | 2,926 |
| Earnings coverage of net charge-offs (x) | 12.4462% | 2,319 |
| Efficiency ratio | 88.0646% | 994 |
| Assets per employee ($millions) | 3.0937% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5845% | 2,354 |
| Loan loss allowance to noncurrent loans | 48.4967% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 1.3957% | 2,208 |
| Noncurrent loans to loans | 3.2672% | 769 |
| Net loans and leases to total assets | 34.9739% | 6,073 |
| Net loans and leases to deposits | 39.6395% | 6,125 |
| Net loans and leases to core deposits | 41.6243% | 6,131 |
| Total domestic deposits to total assets | 88.2298% | 1,641 |
| Equity capital to assets | 11.4631% | 2,517 |
| Core capital (leverage) ratio | 11.8190% | 1,821 |
| Tier 1 risk-based capital ratio | 29.6456% | 547 |
| Total risk-based capital ratio | 30.8981% | 534 |
| Memoranda: | ||
| Average total assets | $157,361,250 | 3,556 |
| Average earning assets | $141,314,750 | 3,606 |
| Average equity | $16,764,500 | 3,580 |
| Average total loans | $55,787,750 | 4,661 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7214% | 4,795 |
| Cost of funding earning assets | 0.6867% | 1,259 |
| Net interest margin | 3.0347% | 5,429 |
| Noninterest income to average assets | 0.6218% | 2,701 |
| Noninterest expense to average assets | 2.9661% | 2,949 |
| Loan and lease loss provision to assets | 0.0190% | 3,887 |
| Net operating income to assets | 0.3299% | 5,466 |
| Return on assets (ROA) | 0.3299% | 5,540 |
| Pretax return on assets | 0.3678% | 5,646 |
| Return on Equity (ROE) | 3.1748% | 5,467 |
| Retained earnings to average equity (ytd only) | 3.1748% | 4,179 |
| Net charge-offs to loans | 0.1213% | 2,459 |
| Credit loss provision to net charge-offs | 44.1176% | 2,874 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,411 |
| Efficiency ratio | 88.4659% | 1,045 |
| Assets per employee ($millions) | 3.1474% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 2,602 |
| Loan loss allowance to noncurrent loans | 51.8874% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.3351% | 2,450 |
| Noncurrent loans to loans | 3.0163% | 957 |
| Net loans and leases to total assets | 35.3164% | 6,085 |
| Net loans and leases to deposits | 39.9238% | 6,161 |
| Net loans and leases to core deposits | 41.9279% | 6,152 |
| Total domestic deposits to total assets | 88.4596% | 1,657 |
| Equity capital to assets | 11.3038% | 2,609 |
| Core capital (leverage) ratio | 11.5221% | 1,982 |
| Tier 1 risk-based capital ratio | 29.0688% | 572 |
| Total risk-based capital ratio | 30.3218% | 562 |
| Memoranda: | ||
| Average total assets | $158,252,670 | 3,561 |
| Average earning assets | $142,421,330 | 3,610 |
| Average equity | $16,442,000 | 3,625 |
| Average total loans | $56,060,000 | 4,690 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7192% | 4,780 |
| Cost of funding earning assets | 0.6916% | 1,298 |
| Net interest margin | 3.0276% | 5,452 |
| Noninterest income to average assets | 0.5940% | 2,771 |
| Noninterest expense to average assets | 2.9426% | 3,073 |
| Loan and lease loss provision to assets | 0.0200% | 3,566 |
| Net operating income to assets | 0.3220% | 5,420 |
| Return on assets (ROA) | 0.3220% | 5,471 |
| Pretax return on assets | 0.3519% | 5,590 |
| Return on Equity (ROE) | 3.2358% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.2358% | 4,178 |
| Net charge-offs to loans | 0.0992% | 2,175 |
| Credit loss provision to net charge-offs | 57.1429% | 2,131 |
| Earnings coverage of net charge-offs (x) | 10.6429% | 1,844 |
| Efficiency ratio | 88.7801% | 1,153 |
| Assets per employee ($millions) | 3.1660% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 2,867 |
| Loan loss allowance to noncurrent loans | 64.3956% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.1548% | 2,955 |
| Noncurrent loans to loans | 2.4288% | 1,442 |
| Net loans and leases to total assets | 34.9469% | 6,126 |
| Net loans and leases to deposits | 39.0655% | 6,199 |
| Net loans and leases to core deposits | 40.8032% | 6,207 |
| Total domestic deposits to total assets | 89.4574% | 1,389 |
| Equity capital to assets | 10.3569% | 3,390 |
| Core capital (leverage) ratio | 11.3853% | 2,064 |
| Tier 1 risk-based capital ratio | 27.6710% | 662 |
| Total risk-based capital ratio | 28.9220% | 651 |
| Memoranda: | ||
| Average total assets | $160,267,500 | 3,558 |
| Average earning assets | $144,009,500 | 3,620 |
| Average equity | $15,946,500 | 3,708 |
| Average total loans | $56,424,000 | 4,712 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7559% | 4,957 |
| Cost of funding earning assets | 0.7996% | 1,212 |
| Net interest margin | 2.9563% | 5,666 |
| Noninterest income to average assets | 0.5263% | 3,581 |
| Noninterest expense to average assets | 2.8666% | 3,472 |
| Loan and lease loss provision to assets | 0.0181% | 4,768 |
| Net operating income to assets | 0.2451% | 5,704 |
| Return on assets (ROA) | 0.2451% | 5,771 |
| Pretax return on assets | 0.2758% | 5,791 |
| Return on Equity (ROE) | 2.3591% | 5,722 |
| Retained earnings to average equity (ytd only) | 0.7651% | 5,493 |
| Net charge-offs to loans | 0.1707% | 3,119 |
| Credit loss provision to net charge-offs | 30.3030% | 4,243 |
| Earnings coverage of net charge-offs (x) | 4.9293% | 3,420 |
| Efficiency ratio | 90.7012% | 971 |
| Assets per employee ($millions) | 3.2447% | 5,402 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 2,907 |
| Loan loss allowance to noncurrent loans | 61.1456% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.2223% | 2,959 |
| Noncurrent loans to loans | 2.5579% | 1,465 |
| Net loans and leases to total assets | 34.3711% | 6,274 |
| Net loans and leases to deposits | 38.1081% | 6,358 |
| Net loans and leases to core deposits | 39.7457% | 6,370 |
| Total domestic deposits to total assets | 90.1939% | 974 |
| Equity capital to assets | 9.5528% | 4,343 |
| Core capital (leverage) ratio | 11.1226% | 2,267 |
| Tier 1 risk-based capital ratio | 27.0603% | 675 |
| Total risk-based capital ratio | 28.3124% | 661 |
| Memoranda: | ||
| Average total assets | $166,049,400 | 3,473 |
| Average earning assets | $147,953,400 | 3,542 |
| Average equity | $17,252,600 | 3,530 |
| Average total loans | $58,006,800 | 4,689 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 4,973 |
| Cost of funding earning assets | 0.8165% | 1,228 |
| Net interest margin | 2.9503% | 5,698 |
| Noninterest income to average assets | 0.5181% | 3,687 |
| Noninterest expense to average assets | 2.9125% | 3,261 |
| Loan and lease loss provision to assets | 0.0184% | 4,651 |
| Net operating income to assets | 0.2004% | 5,912 |
| Return on assets (ROA) | 0.2004% | 5,992 |
| Pretax return on assets | 0.2068% | 6,028 |
| Return on Equity (ROE) | 1.8917% | 5,976 |
| Retained earnings to average equity (ytd only) | 1.8917% | 5,184 |
| Net charge-offs to loans | 0.1828% | 2,768 |
| Credit loss provision to net charge-offs | 28.7500% | 3,920 |
| Earnings coverage of net charge-offs (x) | 3.5251% | 3,675 |
| Efficiency ratio | 92.8244% | 799 |
| Assets per employee ($millions) | 3.0151% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 3,187 |
| Loan loss allowance to noncurrent loans | 60.5529% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 1.1753% | 3,308 |
| Noncurrent loans to loans | 2.5753% | 1,659 |
| Net loans and leases to total assets | 34.1834% | 6,353 |
| Net loans and leases to deposits | 38.0874% | 6,444 |
| Net loans and leases to core deposits | 39.7977% | 6,454 |
| Total domestic deposits to total assets | 89.7499% | 1,139 |
| Equity capital to assets | 9.9752% | 3,933 |
| Core capital (leverage) ratio | 10.9482% | 2,531 |
| Tier 1 risk-based capital ratio | 26.8313% | 720 |
| Total risk-based capital ratio | 28.0853% | 706 |
| Memoranda: | ||
| Average total assets | $167,003,000 | 3,493 |
| Average earning assets | $148,273,750 | 3,572 |
| Average equity | $17,691,250 | 3,502 |
| Average total loans | $58,346,500 | 4,711 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 4,976 |
| Cost of funding earning assets | 0.8402% | 1,199 |
| Net interest margin | 2.9138% | 5,772 |
| Noninterest income to average assets | 0.5305% | 3,631 |
| Noninterest expense to average assets | 2.9953% | 3,014 |
| Loan and lease loss provision to assets | 0.0179% | 4,538 |
| Net operating income to assets | 0.1207% | 6,084 |
| Return on assets (ROA) | 0.1207% | 6,179 |
| Pretax return on assets | 0.1111% | 6,213 |
| Return on Equity (ROE) | 1.1176% | 6,180 |
| Retained earnings to average equity (ytd only) | 1.1176% | 5,450 |
| Net charge-offs to loans | 0.1980% | 2,578 |
| Credit loss provision to net charge-offs | 25.8621% | 3,651 |
| Earnings coverage of net charge-offs (x) | 1.8621% | 3,906 |
| Efficiency ratio | 95.8700% | 664 |
| Assets per employee ($millions) | 3.1067% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 3,273 |
| Loan loss allowance to noncurrent loans | 70.9728% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 3,586 |
| Noncurrent loans to loans | 2.2118% | 2,163 |
| Net loans and leases to total assets | 35.3988% | 6,339 |
| Net loans and leases to deposits | 39.6206% | 6,421 |
| Net loans and leases to core deposits | 41.5360% | 6,422 |
| Total domestic deposits to total assets | 89.3443% | 1,415 |
| Equity capital to assets | 10.4229% | 3,400 |
| Core capital (leverage) ratio | 10.6340% | 2,731 |
| Tier 1 risk-based capital ratio | 26.7416% | 716 |
| Total risk-based capital ratio | 27.9930% | 704 |
| Memoranda: | ||
| Average total assets | $167,393,330 | 3,505 |
| Average earning assets | $149,013,330 | 3,576 |
| Average equity | $18,074,330 | 3,468 |
| Average total loans | $58,600,330 | 4,721 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7630% | 4,946 |
| Cost of funding earning assets | 0.8688% | 1,155 |
| Net interest margin | 2.8942% | 5,827 |
| Noninterest income to average assets | 0.5167% | 3,664 |
| Noninterest expense to average assets | 2.9451% | 3,175 |
| Loan and lease loss provision to assets | 0.0188% | 4,232 |
| Net operating income to assets | 0.1221% | 6,107 |
| Return on assets (ROA) | 0.1221% | 6,199 |
| Pretax return on assets | 0.1033% | 6,256 |
| Return on Equity (ROE) | 1.1127% | 6,196 |
| Retained earnings to average equity (ytd only) | 1.1127% | 5,410 |
| Net charge-offs to loans | 0.2311% | 2,058 |
| Credit loss provision to net charge-offs | 23.5294% | 2,988 |
| Earnings coverage of net charge-offs (x) | 1.5294% | 3,320 |
| Efficiency ratio | 96.0184% | 732 |
| Assets per employee ($millions) | 3.2846% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 3,438 |
| Loan loss allowance to noncurrent loans | 76.3980% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 0.9713% | 3,987 |
| Noncurrent loans to loans | 2.0822% | 2,531 |
| Net loans and leases to total assets | 33.6487% | 6,432 |
| Net loans and leases to deposits | 38.0557% | 6,502 |
| Net loans and leases to core deposits | 39.9798% | 6,484 |
| Total domestic deposits to total assets | 88.4196% | 2,054 |
| Equity capital to assets | 10.9053% | 3,069 |
| Core capital (leverage) ratio | 10.3535% | 2,962 |
| Tier 1 risk-based capital ratio | 26.5706% | 739 |
| Total risk-based capital ratio | 27.8220% | 728 |
| Memoranda: | ||
| Average total assets | $170,316,000 | 3,486 |
| Average earning assets | $150,095,000 | 3,592 |
| Average equity | $18,692,500 | 3,424 |
| Average total loans | $58,851,500 | 4,742 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 5,099 |
| Cost of funding earning assets | 1.0995% | 909 |
| Net interest margin | 2.9625% | 6,115 |
| Noninterest income to average assets | 0.5556% | 3,538 |
| Noninterest expense to average assets | 2.8189% | 3,951 |
| Loan and lease loss provision to assets | 0.0828% | 4,662 |
| Net operating income to assets | 0.1821% | 5,825 |
| Return on assets (ROA) | 0.3121% | 5,629 |
| Pretax return on assets | 0.3564% | 5,695 |
| Return on Equity (ROE) | 2.8021% | 5,628 |
| Retained earnings to average equity (ytd only) | 1.2100% | 5,271 |
| Net charge-offs to loans | 0.1499% | 4,188 |
| Credit loss provision to net charge-offs | 152.1739% | 1,786 |
| Earnings coverage of net charge-offs (x) | 5.3587% | 3,061 |
| Efficiency ratio | 90.6309% | 1,012 |
| Assets per employee ($millions) | 3.3301% | 5,362 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 3,264 |
| Loan loss allowance to noncurrent loans | 52.4725% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 1.4031% | 3,297 |
| Noncurrent loans to loans | 3.0690% | 1,695 |
| Net loans and leases to total assets | 34.3557% | 6,530 |
| Net loans and leases to deposits | 38.9241% | 6,599 |
| Net loans and leases to core deposits | 40.9813% | 6,582 |
| Total domestic deposits to total assets | 88.2633% | 2,055 |
| Equity capital to assets | 11.0454% | 2,895 |
| Core capital (leverage) ratio | 10.6098% | 2,646 |
| Tier 1 risk-based capital ratio | 26.0998% | 762 |
| Total risk-based capital ratio | 27.3519% | 752 |
| Memoranda: | ||
| Average total assets | $169,178,600 | 3,472 |
| Average earning assets | $145,889,000 | 3,627 |
| Average equity | $18,842,800 | 3,352 |
| Average total loans | $61,360,000 | 4,660 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 4,949 |
| Cost of funding earning assets | 1.1549% | 846 |
| Net interest margin | 3.0053% | 6,161 |
| Noninterest income to average assets | 0.5704% | 3,466 |
| Noninterest expense to average assets | 2.8636% | 3,737 |
| Loan and lease loss provision to assets | 0.0931% | 4,426 |
| Net operating income to assets | 0.1621% | 6,005 |
| Return on assets (ROA) | 0.3455% | 5,654 |
| Pretax return on assets | 0.3708% | 5,786 |
| Return on Equity (ROE) | 3.0958% | 5,645 |
| Retained earnings to average equity (ytd only) | 2.3890% | 5,137 |
| Net charge-offs to loans | 0.2090% | 3,477 |
| Credit loss provision to net charge-offs | 121.6495% | 2,379 |
| Earnings coverage of net charge-offs (x) | 3.4846% | 3,624 |
| Efficiency ratio | 91.4819% | 921 |
| Assets per employee ($millions) | 3.1655% | 5,703 |
| Cash dividends to net income (ytd only)* | 22.8309% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 3,843 |
| Loan loss allowance to noncurrent loans | 53.8283% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 1.3918% | 3,519 |
| Noncurrent loans to loans | 2.8307% | 1,989 |
| Net loans and leases to total assets | 36.4350% | 6,526 |
| Net loans and leases to deposits | 41.4808% | 6,622 |
| Net loans and leases to core deposits | 43.7652% | 6,609 |
| Total domestic deposits to total assets | 87.8359% | 2,141 |
| Equity capital to assets | 11.5529% | 2,700 |
| Core capital (leverage) ratio | 10.4612% | 2,965 |
| Tier 1 risk-based capital ratio | 25.6649% | 852 |
| Total risk-based capital ratio | 26.9160% | 840 |
| Memoranda: | ||
| Average total assets | $169,014,500 | 3,508 |
| Average earning assets | $143,963,500 | 3,691 |
| Average equity | $18,863,750 | 3,381 |
| Average total loans | $61,874,250 | 4,687 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2200% | 4,883 |
| Cost of funding earning assets | 1.2077% | 785 |
| Net interest margin | 3.0123% | 6,216 |
| Noninterest income to average assets | 0.5267% | 3,742 |
| Noninterest expense to average assets | 2.8073% | 3,994 |
| Loan and lease loss provision to assets | 0.1114% | 4,136 |
| Net operating income to assets | 0.1525% | 6,033 |
| Return on assets (ROA) | 0.4223% | 5,371 |
| Pretax return on assets | 0.4587% | 5,549 |
| Return on Equity (ROE) | 3.8272% | 5,345 |
| Retained earnings to average equity (ytd only) | 2.7641% | 4,780 |
| Net charge-offs to loans | 0.3216% | 2,749 |
| Credit loss provision to net charge-offs | 95.0000% | 2,904 |
| Earnings coverage of net charge-offs (x) | 2.3600% | 3,825 |
| Efficiency ratio | 91.0232% | 993 |
| Assets per employee ($millions) | 3.2573% | 5,542 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 4,177 |
| Loan loss allowance to noncurrent loans | 62.6214% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.1672% | 4,063 |
| Noncurrent loans to loans | 2.3402% | 2,561 |
| Net loans and leases to total assets | 35.1700% | 6,657 |
| Net loans and leases to deposits | 39.7533% | 6,739 |
| Net loans and leases to core deposits | 41.8174% | 6,745 |
| Total domestic deposits to total assets | 88.4705% | 1,837 |
| Equity capital to assets | 10.9334% | 3,191 |
| Core capital (leverage) ratio | 10.1275% | 3,229 |
| Tier 1 risk-based capital ratio | 24.7077% | 932 |
| Total risk-based capital ratio | 25.9578% | 918 |
| Memoranda: | ||
| Average total assets | $170,483,330 | 3,492 |
| Average earning assets | $144,738,330 | 3,697 |
| Average equity | $18,812,670 | 3,378 |
| Average total loans | $62,198,000 | 4,708 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3258% | 4,631 |
| Cost of funding earning assets | 1.2367% | 818 |
| Net interest margin | 3.0891% | 6,085 |
| Noninterest income to average assets | 0.4486% | 4,300 |
| Noninterest expense to average assets | 2.8405% | 3,862 |
| Loan and lease loss provision to assets | 0.0543% | 4,728 |
| Net operating income to assets | 0.2290% | 5,890 |
| Return on assets (ROA) | 0.2338% | 6,022 |
| Pretax return on assets | 0.2007% | 6,205 |
| Return on Equity (ROE) | 2.1085% | 6,041 |
| Retained earnings to average equity (ytd only) | -0.0213% | 5,987 |
| Net charge-offs to loans | 0.0576% | 3,927 |
| Credit loss provision to net charge-offs | 255.5556% | 1,120 |
| Earnings coverage of net charge-offs (x) | 11.7778% | 1,647 |
| Efficiency ratio | 91.9022% | 950 |
| Assets per employee ($millions) | 3.2575% | 5,645 |
| Cash dividends to net income (ytd only)* | 101.0101% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 4,222 |
| Loan loss allowance to noncurrent loans | 48.6529% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 1.2975% | 3,968 |
| Noncurrent loans to loans | 3.0587% | 2,104 |
| Net loans and leases to total assets | 35.3145% | 6,671 |
| Net loans and leases to deposits | 39.9550% | 6,736 |
| Net loans and leases to core deposits | 41.9357% | 6,751 |
| Total domestic deposits to total assets | 88.3855% | 2,077 |
| Equity capital to assets | 10.8725% | 3,062 |
| Core capital (leverage) ratio | 10.2412% | 3,061 |
| Tier 1 risk-based capital ratio | 23.9146% | 1,018 |
| Total risk-based capital ratio | 25.1647% | 1,003 |
| Memoranda: | ||
| Average total assets | $169,407,000 | 3,524 |
| Average earning assets | $144,896,500 | 3,719 |
| Average equity | $18,781,500 | 3,382 |
| Average total loans | $62,487,500 | 4,714 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 6,558 |
| Cost of funding earning assets | 1.2744% | 1,596 |
| Net interest margin | 2.6647% | 6,956 |
| Noninterest income to average assets | 0.5031% | 3,825 |
| Noninterest expense to average assets | 2.3429% | 5,930 |
| Loan and lease loss provision to assets | 0.1198% | 5,102 |
| Net operating income to assets | 0.2437% | 5,445 |
| Return on assets (ROA) | 0.2485% | 5,573 |
| Pretax return on assets | 0.2773% | 5,619 |
| Return on Equity (ROE) | 2.2654% | 5,557 |
| Retained earnings to average equity (ytd only) | 1.1736% | 5,305 |
| Net charge-offs to loans | 0.4320% | 3,275 |
| Credit loss provision to net charge-offs | 69.4444% | 4,864 |
| Earnings coverage of net charge-offs (x) | 2.2708% | 4,088 |
| Efficiency ratio | 85.6767% | 1,600 |
| Assets per employee ($millions) | 3.1955% | 5,713 |
| Cash dividends to net income (ytd only)* | 48.1928% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 4,299 |
| Loan loss allowance to noncurrent loans | 36.0350% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 1.8349% | 3,206 |
| Noncurrent loans to loans | 3.9899% | 1,565 |
| Net loans and leases to total assets | 37.4188% | 6,669 |
| Net loans and leases to deposits | 42.5632% | 6,783 |
| Net loans and leases to core deposits | 45.1980% | 6,763 |
| Total domestic deposits to total assets | 87.9134% | 2,214 |
| Equity capital to assets | 11.3090% | 2,681 |
| Core capital (leverage) ratio | 10.5103% | 2,722 |
| Tier 1 risk-based capital ratio | 23.7423% | 991 |
| Total risk-based capital ratio | 24.9779% | 982 |
| Memoranda: | ||
| Average total assets | $166,970,200 | 3,538 |
| Average earning assets | $139,828,330 | 3,749 |
| Average equity | $18,319,200 | 3,384 |
| Average total loans | $66,671,400 | 4,605 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7537% | 6,887 |
| Cost of funding earning assets | 1.2486% | 2,006 |
| Net interest margin | 2.5050% | 7,133 |
| Noninterest income to average assets | 0.4754% | 4,082 |
| Noninterest expense to average assets | 2.2324% | 6,208 |
| Loan and lease loss provision to assets | 0.0702% | 5,575 |
| Net operating income to assets | 0.2241% | 5,636 |
| Return on assets (ROA) | 0.2241% | 5,770 |
| Pretax return on assets | 0.2369% | 5,828 |
| Return on Equity (ROE) | 2.0585% | 5,755 |
| Retained earnings to average equity (ytd only) | 0.5934% | 5,781 |
| Net charge-offs to loans | 0.2407% | 3,917 |
| Credit loss provision to net charge-offs | 72.1311% | 4,414 |
| Earnings coverage of net charge-offs (x) | 3.1558% | 3,557 |
| Efficiency ratio | 87.9083% | 1,354 |
| Assets per employee ($millions) | 2.8433% | 6,414 |
| Cash dividends to net income (ytd only)* | 71.1739% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 4,225 |
| Loan loss allowance to noncurrent loans | 45.1598% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 1.5982% | 3,689 |
| Noncurrent loans to loans | 3.2684% | 2,117 |
| Net loans and leases to total assets | 38.2396% | 6,760 |
| Net loans and leases to deposits | 43.5605% | 6,856 |
| Net loans and leases to core deposits | 46.2411% | 6,835 |
| Total domestic deposits to total assets | 87.7850% | 2,174 |
| Equity capital to assets | 11.1456% | 3,005 |
| Core capital (leverage) ratio | 13.7499% | 973 |
| Tier 1 risk-based capital ratio | 22.7204% | 1,184 |
| Total risk-based capital ratio | 23.9704% | 1,162 |
| Memoranda: | ||
| Average total assets | $167,170,750 | 3,559 |
| Average earning assets | $137,746,500 | 3,806 |
| Average equity | $18,201,000 | 3,402 |
| Average total loans | $67,568,000 | 4,610 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 4,277 |
| Cost of funding earning assets | 1.6531% | 562 |
| Net interest margin | 3.1005% | 6,409 |
| Noninterest income to average assets | 0.6631% | 2,748 |
| Noninterest expense to average assets | 2.9968% | 3,654 |
| Loan and lease loss provision to assets | 0.0783% | 5,332 |
| Net operating income to assets | 0.3620% | 5,119 |
| Return on assets (ROA) | 0.3620% | 5,262 |
| Pretax return on assets | 0.3689% | 5,486 |
| Return on Equity (ROE) | 3.3437% | 5,240 |
| Retained earnings to average equity (ytd only) | 0.1286% | 5,785 |
| Net charge-offs to loans | 0.2738% | 3,518 |
| Credit loss provision to net charge-offs | 68.1818% | 4,106 |
| Earnings coverage of net charge-offs (x) | 3.8939% | 3,021 |
| Efficiency ratio | 87.0136% | 1,511 |
| Assets per employee ($millions) | 2.7185% | 6,614 |
| Cash dividends to net income (ytd only)* | 96.1538% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 4,842 |
| Loan loss allowance to noncurrent loans | 44.4367% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 3,762 |
| Noncurrent loans to loans | 3.0340% | 2,389 |
| Net loans and leases to total assets | 41.6880% | 6,611 |
| Net loans and leases to deposits | 47.6129% | 6,746 |
| Net loans and leases to core deposits | 50.5753% | 6,736 |
| Total domestic deposits to total assets | 87.5560% | 2,436 |
| Equity capital to assets | 11.4239% | 2,576 |
| Core capital (leverage) ratio | 10.1194% | 3,118 |
| Tier 1 risk-based capital ratio | 22.4716% | 1,193 |
| Total risk-based capital ratio | 23.6804% | 1,170 |
| Memoranda: | ||
| Average total assets | $114,921,000 | 4,588 |
| Average earning assets | $103,080,000 | 4,625 |
| Average equity | $12,441,330 | 4,444 |
| Average total loans | $48,216,670 | 5,429 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6889% | 4,571 |
| Cost of funding earning assets | 1.6657% | 641 |
| Net interest margin | 3.0233% | 6,522 |
| Noninterest income to average assets | 0.6995% | 2,580 |
| Noninterest expense to average assets | 2.9798% | 3,729 |
| Loan and lease loss provision to assets | 0.0789% | 5,016 |
| Net operating income to assets | 0.3600% | 5,125 |
| Return on assets (ROA) | 0.3600% | 5,208 |
| Pretax return on assets | 0.3669% | 5,448 |
| Return on Equity (ROE) | 3.4159% | 5,184 |
| Retained earnings to average equity (ytd only) | -3.0906% | 6,314 |
| Net charge-offs to loans | 0.1640% | 3,498 |
| Credit loss provision to net charge-offs | 115.0000% | 2,345 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,090 |
| Efficiency ratio | 86.9870% | 1,612 |
| Assets per employee ($millions) | 3.1872% | 5,742 |
| Cash dividends to net income (ytd only)* | 190.4762% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 4,842 |
| Loan loss allowance to noncurrent loans | 49.1412% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 1.3585% | 4,255 |
| Noncurrent loans to loans | 2.7735% | 2,729 |
| Net loans and leases to total assets | 40.3818% | 6,751 |
| Net loans and leases to deposits | 45.4729% | 6,882 |
| Net loans and leases to core deposits | 48.2468% | 6,865 |
| Total domestic deposits to total assets | 88.8041% | 1,895 |
| Equity capital to assets | 10.3751% | 3,320 |
| Core capital (leverage) ratio | 9.9672% | 3,182 |
| Tier 1 risk-based capital ratio | 21.7361% | 1,272 |
| Total risk-based capital ratio | 22.9585% | 1,249 |
| Memoranda: | ||
| Average total assets | $116,652,000 | 4,574 |
| Average earning assets | $105,183,500 | 4,610 |
| Average equity | $12,295,500 | 4,484 |
| Average total loans | $48,775,000 | 5,449 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0997% | 4,098 |
| Cost of funding earning assets | 1.8667% | 954 |
| Net interest margin | 3.2330% | 6,185 |
| Noninterest income to average assets | 0.7910% | 2,327 |
| Noninterest expense to average assets | 3.0710% | 3,581 |
| Loan and lease loss provision to assets | 0.0701% | 6,440 |
| Net operating income to assets | 0.4800% | 4,192 |
| Return on assets (ROA) | 0.4800% | 4,346 |
| Pretax return on assets | 0.5142% | 4,569 |
| Return on Equity (ROE) | 4.3969% | 4,347 |
| Retained earnings to average equity (ytd only) | 2.7922% | 3,901 |
| Net charge-offs to loans | 0.2781% | 4,634 |
| Credit loss provision to net charge-offs | 55.9441% | 6,161 |
| Earnings coverage of net charge-offs (x) | 4.6643% | 2,849 |
| Efficiency ratio | 84.0163% | 1,919 |
| Assets per employee ($millions) | 2.9584% | 6,191 |
| Cash dividends to net income (ytd only)* | 36.4964% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 4,846 |
| Loan loss allowance to noncurrent loans | 41.8902% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 1.5636% | 3,955 |
| Noncurrent loans to loans | 3.1783% | 2,394 |
| Net loans and leases to total assets | 42.1358% | 6,843 |
| Net loans and leases to deposits | 47.5978% | 6,965 |
| Net loans and leases to core deposits | 50.5637% | 6,958 |
| Total domestic deposits to total assets | 88.5246% | 1,933 |
| Equity capital to assets | 10.7092% | 2,945 |
| Core capital (leverage) ratio | 10.1505% | 2,927 |
| Tier 1 risk-based capital ratio | 21.6246% | 1,228 |
| Total risk-based capital ratio | 22.8272% | 1,216 |
| Memoranda: | ||
| Average total assets | $114,166,400 | 4,608 |
| Average earning assets | $101,143,400 | 4,697 |
| Average equity | $12,463,200 | 4,490 |
| Average total loans | $51,427,600 | 5,429 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2193% | 3,744 |
| Cost of funding earning assets | 1.9095% | 999 |
| Net interest margin | 3.3098% | 5,983 |
| Noninterest income to average assets | 0.8115% | 2,175 |
| Noninterest expense to average assets | 3.1148% | 3,271 |
| Loan and lease loss provision to assets | 0.0527% | 6,555 |
| Net operating income to assets | 0.5012% | 4,311 |
| Return on assets (ROA) | 0.5012% | 4,499 |
| Pretax return on assets | 0.5363% | 4,806 |
| Return on Equity (ROE) | 4.5689% | 4,521 |
| Retained earnings to average equity (ytd only) | 2.4339% | 4,720 |
| Net charge-offs to loans | 0.1078% | 5,464 |
| Credit loss provision to net charge-offs | 107.1429% | 3,982 |
| Earnings coverage of net charge-offs (x) | 11.9759% | 1,736 |
| Efficiency ratio | 84.0974% | 1,830 |
| Assets per employee ($millions) | 2.5449% | 7,016 |
| Cash dividends to net income (ytd only)* | 46.7292% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 4,299 |
| Loan loss allowance to noncurrent loans | 42.2469% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 1.7001% | 3,896 |
| Noncurrent loans to loans | 3.3912% | 2,344 |
| Net loans and leases to total assets | 43.3746% | 6,883 |
| Net loans and leases to deposits | 49.3071% | 7,029 |
| Net loans and leases to core deposits | 51.9261% | 7,049 |
| Total domestic deposits to total assets | 87.9681% | 1,976 |
| Equity capital to assets | 11.2416% | 2,739 |
| Core capital (leverage) ratio | 9.9980% | 3,256 |
| Tier 1 risk-based capital ratio | 21.5744% | 1,271 |
| Total risk-based capital ratio | 22.8255% | 1,250 |
| Memoranda: | ||
| Average total assets | $113,863,750 | 4,677 |
| Average earning assets | $99,499,500 | 4,799 |
| Average equity | $12,490,000 | 4,553 |
| Average total loans | $51,966,750 | 5,482 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3347% | 3,294 |
| Cost of funding earning assets | 1.9258% | 1,125 |
| Net interest margin | 3.4088% | 5,607 |
| Noninterest income to average assets | 0.8113% | 2,064 |
| Noninterest expense to average assets | 3.1466% | 3,111 |
| Loan and lease loss provision to assets | 0.0528% | 6,433 |
| Net operating income to assets | 0.5332% | 4,182 |
| Return on assets (ROA) | 0.5332% | 4,332 |
| Pretax return on assets | 0.5649% | 4,686 |
| Return on Equity (ROE) | 4.9021% | 4,336 |
| Retained earnings to average equity (ytd only) | 1.6664% | 5,038 |
| Net charge-offs to loans | 0.0381% | 5,832 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 35.1000% | 810 |
| Efficiency ratio | 83.5905% | 1,967 |
| Assets per employee ($millions) | 2.5005% | 7,103 |
| Cash dividends to net income (ytd only)* | 66.0066% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 4,233 |
| Loan loss allowance to noncurrent loans | 70.5826% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.2676% | 4,610 |
| Noncurrent loans to loans | 2.0407% | 3,664 |
| Net loans and leases to total assets | 43.9609% | 6,923 |
| Net loans and leases to deposits | 49.8006% | 7,077 |
| Net loans and leases to core deposits | 51.9179% | 7,140 |
| Total domestic deposits to total assets | 88.2739% | 1,838 |
| Equity capital to assets | 10.9889% | 2,872 |
| Core capital (leverage) ratio | 9.6338% | 3,633 |
| Tier 1 risk-based capital ratio | 21.1082% | 1,321 |
| Total risk-based capital ratio | 22.3601% | 1,298 |
| Memoranda: | ||
| Average total assets | $113,644,670 | 4,714 |
| Average earning assets | $98,450,670 | 4,863 |
| Average equity | $12,362,000 | 4,584 |
| Average total loans | $52,490,670 | 5,491 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4183% | 2,951 |
| Cost of funding earning assets | 1.9000% | 1,447 |
| Net interest margin | 3.5183% | 5,093 |
| Noninterest income to average assets | 0.7968% | 2,038 |
| Noninterest expense to average assets | 3.2473% | 2,710 |
| Loan and lease loss provision to assets | 0.0531% | 6,138 |
| Net operating income to assets | 0.5383% | 4,191 |
| Return on assets (ROA) | 0.5383% | 4,329 |
| Pretax return on assets | 0.5914% | 4,641 |
| Return on Equity (ROE) | 4.9742% | 4,379 |
| Retained earnings to average equity (ytd only) | -1.5708% | 6,139 |
| Net charge-offs to loans | 0.0151% | 5,371 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 357 |
| Efficiency ratio | 83.4395% | 2,081 |
| Assets per employee ($millions) | 2.6634% | 6,931 |
| Cash dividends to net income (ytd only)* | 131.5789% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 4,442 |
| Loan loss allowance to noncurrent loans | 166.1364% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 6,054 |
| Noncurrent loans to loans | 0.8400% | 5,634 |
| Net loans and leases to total assets | 45.1011% | 6,899 |
| Net loans and leases to deposits | 51.0063% | 7,082 |
| Net loans and leases to core deposits | 53.1170% | 7,150 |
| Total domestic deposits to total assets | 88.4226% | 1,843 |
| Equity capital to assets | 10.6719% | 3,067 |
| Core capital (leverage) ratio | 10.0635% | 3,084 |
| Tier 1 risk-based capital ratio | 20.8888% | 1,358 |
| Total risk-based capital ratio | 22.1404% | 1,328 |
| Memoranda: | ||
| Average total assets | $112,954,500 | 4,799 |
| Average earning assets | $99,366,500 | 4,897 |
| Average equity | $12,223,000 | 4,654 |
| Average total loans | $53,083,500 | 5,531 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5721% | 3,749 |
| Cost of funding earning assets | 2.0595% | 2,686 |
| Net interest margin | 3.5127% | 4,899 |
| Noninterest income to average assets | 0.8669% | 2,095 |
| Noninterest expense to average assets | 3.2510% | 3,189 |
| Loan and lease loss provision to assets | 0.0683% | 6,897 |
| Net operating income to assets | 0.5391% | 3,576 |
| Return on assets (ROA) | 0.5391% | 3,656 |
| Pretax return on assets | 0.6183% | 3,851 |
| Return on Equity (ROE) | 4.8876% | 3,715 |
| Retained earnings to average equity (ytd only) | 1.1724% | 4,223 |
| Net charge-offs to loans | 0.1118% | 6,041 |
| Credit loss provision to net charge-offs | 127.1186% | 4,082 |
| Earnings coverage of net charge-offs (x) | 12.7797% | 1,478 |
| Efficiency ratio | 82.5624% | 2,543 |
| Assets per employee ($millions) | 2.6520% | 6,943 |
| Cash dividends to net income (ytd only)* | 76.0135% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 4,555 |
| Loan loss allowance to noncurrent loans | 82.8341% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 5,419 |
| Noncurrent loans to loans | 1.6139% | 4,234 |
| Net loans and leases to total assets | 47.6415% | 6,834 |
| Net loans and leases to deposits | 53.9635% | 7,053 |
| Net loans and leases to core deposits | 69.9328% | 6,775 |
| Total domestic deposits to total assets | 88.2847% | 1,832 |
| Equity capital to assets | 10.9746% | 2,723 |
| Core capital (leverage) ratio | 10.2175% | 2,863 |
| Tier 1 risk-based capital ratio | 20.6852% | 1,348 |
| Total risk-based capital ratio | 21.9357% | 1,314 |
| Memoranda: | ||
| Average total assets | $109,813,600 | 4,823 |
| Average earning assets | $95,995,800 | 4,946 |
| Average equity | $12,112,200 | 4,719 |
| Average total loans | $52,762,600 | 5,553 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6673% | 3,489 |
| Cost of funding earning assets | 2.1029% | 2,881 |
| Net interest margin | 3.5644% | 4,617 |
| Noninterest income to average assets | 0.8444% | 2,227 |
| Noninterest expense to average assets | 3.3082% | 2,887 |
| Loan and lease loss provision to assets | 0.0548% | 6,822 |
| Net operating income to assets | 0.5227% | 3,890 |
| Return on assets (ROA) | 0.5227% | 3,980 |
| Pretax return on assets | 0.5630% | 4,321 |
| Return on Equity (ROE) | 4.7334% | 4,067 |
| Retained earnings to average equity (ytd only) | 0.8716% | 4,817 |
| Net charge-offs to loans | 0.0229% | 6,571 |
| Credit loss provision to net charge-offs | 500.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 56.3317% | 580 |
| Efficiency ratio | 84.2644% | 2,267 |
| Assets per employee ($millions) | 2.3784% | 7,408 |
| Cash dividends to net income (ytd only)* | 81.5853% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 4,064 |
| Loan loss allowance to noncurrent loans | 76.1071% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.9662% | 5,128 |
| Noncurrent loans to loans | 1.8126% | 3,898 |
| Net loans and leases to total assets | 47.2603% | 7,014 |
| Net loans and leases to deposits | 53.7782% | 7,227 |
| Net loans and leases to core deposits | 69.5549% | 6,990 |
| Total domestic deposits to total assets | 87.8801% | 1,711 |
| Equity capital to assets | 11.0410% | 2,977 |
| Core capital (leverage) ratio | 10.1560% | 3,109 |
| Tier 1 risk-based capital ratio | 20.6375% | 1,432 |
| Total risk-based capital ratio | 21.8886% | 1,384 |
| Memoranda: | ||
| Average total assets | $109,421,000 | 4,868 |
| Average earning assets | $94,599,000 | 5,019 |
| Average equity | $12,084,250 | 4,769 |
| Average total loans | $52,507,250 | 5,615 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7305% | 3,390 |
| Cost of funding earning assets | 2.1321% | 3,122 |
| Net interest margin | 3.5984% | 4,367 |
| Noninterest income to average assets | 0.7824% | 2,501 |
| Noninterest expense to average assets | 3.3231% | 2,870 |
| Loan and lease loss provision to assets | 0.0552% | 6,671 |
| Net operating income to assets | 0.4750% | 4,194 |
| Return on assets (ROA) | 0.4750% | 4,307 |
| Pretax return on assets | 0.5081% | 4,596 |
| Return on Equity (ROE) | 4.3006% | 4,375 |
| Retained earnings to average equity (ytd only) | -1.5335% | 5,626 |
| Net charge-offs to loans | 0.0690% | 5,544 |
| Credit loss provision to net charge-offs | 166.6667% | 2,750 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,502 |
| Efficiency ratio | 85.5045% | 2,288 |
| Assets per employee ($millions) | 2.5674% | 7,119 |
| Cash dividends to net income (ytd only)* | 135.6589% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 3,933 |
| Loan loss allowance to noncurrent loans | 94.5767% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.7657% | 5,481 |
| Noncurrent loans to loans | 1.4379% | 4,343 |
| Net loans and leases to total assets | 45.9072% | 7,197 |
| Net loans and leases to deposits | 52.0061% | 7,380 |
| Net loans and leases to core deposits | 66.0023% | 7,213 |
| Total domestic deposits to total assets | 88.2727% | 1,640 |
| Equity capital to assets | 10.5261% | 3,371 |
| Core capital (leverage) ratio | 9.9683% | 3,327 |
| Tier 1 risk-based capital ratio | 20.4864% | 1,489 |
| Total risk-based capital ratio | 21.7197% | 1,455 |
| Memoranda: | ||
| Average total assets | $108,633,670 | 4,922 |
| Average earning assets | $93,709,330 | 5,076 |
| Average equity | $11,998,330 | 4,812 |
| Average total loans | $52,153,670 | 5,669 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7333% | 3,627 |
| Cost of funding earning assets | 2.1009% | 3,640 |
| Net interest margin | 3.6324% | 4,179 |
| Noninterest income to average assets | 0.7965% | 2,347 |
| Noninterest expense to average assets | 3.2686% | 2,743 |
| Loan and lease loss provision to assets | 0.0564% | 6,258 |
| Net operating income to assets | 0.6011% | 4,004 |
| Return on assets (ROA) | 0.6011% | 4,198 |
| Pretax return on assets | 0.7063% | 4,418 |
| Return on Equity (ROE) | 5.3103% | 4,327 |
| Retained earnings to average equity (ytd only) | -1.3276% | 5,968 |
| Net charge-offs to loans | 0.1309% | 3,914 |
| Credit loss provision to net charge-offs | 88.2353% | 4,040 |
| Earnings coverage of net charge-offs (x) | 11.9412% | 1,836 |
| Efficiency ratio | 81.0811% | 2,665 |
| Assets per employee ($millions) | 2.5440% | 7,196 |
| Cash dividends to net income (ytd only)* | 125.0000% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 3,696 |
| Loan loss allowance to noncurrent loans | 160.0457% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 6,040 |
| Noncurrent loans to loans | 0.8546% | 5,315 |
| Net loans and leases to total assets | 47.3106% | 7,079 |
| Net loans and leases to deposits | 54.0053% | 7,285 |
| Net loans and leases to core deposits | 69.4979% | 7,053 |
| Total domestic deposits to total assets | 87.6038% | 1,920 |
| Equity capital to assets | 11.2890% | 2,731 |
| Core capital (leverage) ratio | 10.4367% | 2,997 |
| Tier 1 risk-based capital ratio | 21.6272% | 1,351 |
| Total risk-based capital ratio | 22.8791% | 1,318 |
| Memoranda: | ||
| Average total assets | $106,467,000 | 4,994 |
| Average earning assets | $94,814,500 | 5,061 |
| Average equity | $12,052,000 | 4,818 |
| Average total loans | $51,943,000 | 5,721 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8562% | 6,252 |
| Cost of funding earning assets | 2.3528% | 4,918 |
| Net interest margin | 3.5033% | 5,283 |
| Noninterest income to average assets | 0.8865% | 2,021 |
| Noninterest expense to average assets | 3.1823% | 3,401 |
| Loan and lease loss provision to assets | 0.1081% | 5,989 |
| Net operating income to assets | 0.6992% | 3,894 |
| Return on assets (ROA) | 0.7023% | 3,719 |
| Pretax return on assets | 0.8433% | 3,916 |
| Return on Equity (ROE) | 6.5367% | 3,734 |
| Retained earnings to average equity (ytd only) | 3.9115% | 2,694 |
| Net charge-offs to loans | 0.1881% | 4,308 |
| Credit loss provision to net charge-offs | 121.0526% | 4,432 |
| Earnings coverage of net charge-offs (x) | 10.6105% | 2,489 |
| Efficiency ratio | 77.0544% | 3,068 |
| Assets per employee ($millions) | 2.5875% | 7,037 |
| Cash dividends to net income (ytd only)* | 40.1606% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 3,557 |
| Loan loss allowance to noncurrent loans | 166.1939% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 5,982 |
| Noncurrent loans to loans | 0.8036% | 5,035 |
| Net loans and leases to total assets | 48.9523% | 7,105 |
| Net loans and leases to deposits | 56.3492% | 7,293 |
| Net loans and leases to core deposits | 73.1540% | 7,016 |
| Total domestic deposits to total assets | 86.8730% | 1,996 |
| Equity capital to assets | 11.3511% | 2,749 |
| Core capital (leverage) ratio | 10.5309% | 2,952 |
| Tier 1 risk-based capital ratio | 21.2183% | 1,432 |
| Total risk-based capital ratio | 22.4686% | 1,395 |
| Memoranda: | ||
| Average total assets | $106,368,200 | 4,866 |
| Average earning assets | $98,477,400 | 4,853 |
| Average equity | $11,427,800 | 4,990 |
| Average total loans | $50,495,200 | 5,687 |