Home > International City Bank Federal Savings Bank > Performance and Condition Ratios
International City Bank Federal Savings Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0627% | 3,883 |
| Cost of funding earning assets | 0.1946% | 3,664 |
| Net interest margin | 2.8680% | 3,621 |
| Noninterest income to average assets | 3.1070% | 186 |
| Noninterest expense to average assets | 2.9400% | 1,061 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1346% | 370 |
| Return on assets (ROA) | 2.1346% | 392 |
| Pretax return on assets | 2.5644% | 300 |
| Return on Equity (ROE) | 15.5950% | 1,022 |
| Retained earnings to average equity (ytd only) | 15.1512% | 374 |
| Net charge-offs to loans | -0.0292% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1897% | 4,207 |
| Assets per employee ($millions) | 11.9295% | 374 |
| Cash dividends to net income (ytd only)* | 2.8455% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 3,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 33.6810% | 4,481 |
| Net loans and leases to deposits | 55.4552% | 3,625 |
| Net loans and leases to core deposits | 66.2252% | 2,932 |
| Total domestic deposits to total assets | 60.7354% | 4,835 |
| Equity capital to assets | 14.0430% | 730 |
| Core capital (leverage) ratio | 9.0022% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3241% | 663 |
| Memoranda: | ||
| Average total assets | $491,696,500 | 1,736 |
| Average earning assets | $411,001,000 | 1,882 |
| Average equity | $67,302,000 | 1,404 |
| Average total loans | $169,155,000 | 2,508 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0597% | 3,941 |
| Cost of funding earning assets | 0.1953% | 3,803 |
| Net interest margin | 2.8644% | 3,648 |
| Noninterest income to average assets | 3.5051% | 156 |
| Noninterest expense to average assets | 2.6797% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.6331% | 187 |
| Return on assets (ROA) | 2.6331% | 198 |
| Pretax return on assets | 3.2348% | 145 |
| Return on Equity (ROE) | 19.4145% | 504 |
| Retained earnings to average equity (ytd only) | 19.0737% | 187 |
| Net charge-offs to loans | -0.0024% | 3,229 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5232% | 4,677 |
| Assets per employee ($millions) | 11.2112% | 437 |
| Cash dividends to net income (ytd only)* | 1.7555% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,416 |
| Loan loss allowance to noncurrent loans | 9,038.0952% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,296 |
| Noncurrent loans to loans | 0.0122% | 4,180 |
| Net loans and leases to total assets | 33.8252% | 4,545 |
| Net loans and leases to deposits | 52.2099% | 3,981 |
| Net loans and leases to core deposits | 62.8117% | 3,393 |
| Total domestic deposits to total assets | 64.7869% | 4,837 |
| Equity capital to assets | 13.8462% | 745 |
| Core capital (leverage) ratio | 8.9508% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0003% | 617 |
| Memoranda: | ||
| Average total assets | $484,605,667 | 1,750 |
| Average earning assets | $407,618,667 | 1,889 |
| Average equity | $65,724,000 | 1,421 |
| Average total loans | $167,304,667 | 2,532 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0714% | 3,944 |
| Cost of funding earning assets | 0.1991% | 3,920 |
| Net interest margin | 2.8724% | 3,587 |
| Noninterest income to average assets | 7.1909% | 93 |
| Noninterest expense to average assets | 2.1868% | 3,144 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 5.7625% | 46 |
| Return on assets (ROA) | 5.7625% | 48 |
| Pretax return on assets | 7.4361% | 47 |
| Return on Equity (ROE) | 42.9668% | 55 |
| Retained earnings to average equity (ytd only) | 42.2630% | 29 |
| Net charge-offs to loans | -0.0024% | 3,175 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.9109% | 4,947 |
| Assets per employee ($millions) | 10.9731% | 453 |
| Cash dividends to net income (ytd only)* | 1.6379% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 3,354 |
| Loan loss allowance to noncurrent loans | 7,904.1667% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,368 |
| Noncurrent loans to loans | 0.0141% | 4,237 |
| Net loans and leases to total assets | 34.0609% | 4,573 |
| Net loans and leases to deposits | 47.6310% | 4,274 |
| Net loans and leases to core deposits | 56.5218% | 3,938 |
| Total domestic deposits to total assets | 71.5099% | 4,731 |
| Equity capital to assets | 13.4209% | 806 |
| Core capital (leverage) ratio | 8.8379% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7299% | 606 |
| Memoranda: | ||
| Average total assets | $474,655,500 | 1,768 |
| Average earning assets | $401,898,500 | 1,898 |
| Average equity | $63,658,500 | 1,442 |
| Average total loans | $164,683,000 | 2,555 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1696% | 4,489 |
| Cost of funding earning assets | 0.4906% | 3,006 |
| Net interest margin | 2.6790% | 4,408 |
| Noninterest income to average assets | 0.3628% | 3,298 |
| Noninterest expense to average assets | 2.3017% | 3,397 |
| Loan and lease loss provision to assets | 0.0962% | 3,143 |
| Net operating income to assets | 0.4458% | 4,151 |
| Return on assets (ROA) | 0.4458% | 4,229 |
| Pretax return on assets | 0.3010% | 4,542 |
| Return on Equity (ROE) | 3.5943% | 4,250 |
| Retained earnings to average equity (ytd only) | 3.5691% | 3,051 |
| Net charge-offs to loans | -0.0163% | 4,373 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2826% | 557 |
| Assets per employee ($millions) | 10.3528% | 475 |
| Cash dividends to net income (ytd only)* | 0.7016% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,997 |
| Loan loss allowance to noncurrent loans | 7,022.2222% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 4,422 |
| Noncurrent loans to loans | 0.0170% | 4,290 |
| Net loans and leases to total assets | 34.5503% | 4,627 |
| Net loans and leases to deposits | 49.3252% | 4,343 |
| Net loans and leases to core deposits | 58.7431% | 4,011 |
| Total domestic deposits to total assets | 70.0458% | 4,775 |
| Equity capital to assets | 13.4013% | 965 |
| Core capital (leverage) ratio | 9.1414% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5345% | 542 |
| Memoranda: | ||
| Average total assets | $415,656,000 | 1,808 |
| Average earning assets | $362,442,000 | 1,893 |
| Average equity | $51,553,600 | 1,645 |
| Average total loans | $147,441,200 | 2,681 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1940% | 4,595 |
| Cost of funding earning assets | 0.5823% | 2,725 |
| Net interest margin | 2.6117% | 4,560 |
| Noninterest income to average assets | -0.5206% | 5,025 |
| Noninterest expense to average assets | 2.3337% | 3,327 |
| Loan and lease loss provision to assets | 0.1134% | 2,907 |
| Net operating income to assets | -0.3211% | 4,863 |
| Return on assets (ROA) | -0.3211% | 4,871 |
| Pretax return on assets | -0.6846% | 4,912 |
| Return on Equity (ROE) | -2.6487% | 4,874 |
| Retained earnings to average equity (ytd only) | -2.6487% | 4,752 |
| Net charge-offs to loans | -0.0221% | 4,449 |
| Credit loss provision to net charge-offs | -1,437.5000% | 4,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.4072% | 55 |
| Assets per employee ($millions) | 10.4978% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 2,948 |
| Loan loss allowance to noncurrent loans | 4,975.6757% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 4,466 |
| Noncurrent loans to loans | 0.0231% | 4,317 |
| Net loans and leases to total assets | 35.9489% | 4,685 |
| Net loans and leases to deposits | 50.6299% | 4,469 |
| Net loans and leases to core deposits | 57.8228% | 4,311 |
| Total domestic deposits to total assets | 71.0033% | 4,720 |
| Equity capital to assets | 12.7900% | 1,280 |
| Core capital (leverage) ratio | 8.8154% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2413% | 562 |
| Memoranda: | ||
| Average total assets | $405,689,500 | 1,823 |
| Average earning assets | $354,656,000 | 1,904 |
| Average equity | $49,180,500 | 1,706 |
| Average total loans | $144,481,500 | 2,712 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2435% | 4,690 |
| Cost of funding earning assets | 0.7279% | 2,250 |
| Net interest margin | 2.5155% | 4,728 |
| Noninterest income to average assets | -1.3037% | 5,062 |
| Noninterest expense to average assets | 2.4094% | 3,243 |
| Loan and lease loss provision to assets | 0.1751% | 2,262 |
| Net operating income to assets | -1.0626% | 4,968 |
| Return on assets (ROA) | -1.0626% | 4,964 |
| Pretax return on assets | -1.6865% | 4,995 |
| Return on Equity (ROE) | -8.9489% | 4,975 |
| Retained earnings to average equity (ytd only) | -8.9489% | 4,897 |
| Net charge-offs to loans | -0.0330% | 4,573 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 268.2872% | 12 |
| Assets per employee ($millions) | 9.8436% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 2,877 |
| Loan loss allowance to noncurrent loans | 3,833.3333% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,520 |
| Noncurrent loans to loans | 0.0295% | 4,365 |
| Net loans and leases to total assets | 37.1615% | 4,696 |
| Net loans and leases to deposits | 52.5830% | 4,425 |
| Net loans and leases to core deposits | 57.6147% | 4,368 |
| Total domestic deposits to total assets | 70.6720% | 4,765 |
| Equity capital to assets | 11.6961% | 1,834 |
| Core capital (leverage) ratio | 8.1417% | 4,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7015% | 807 |
| Memoranda: | ||
| Average total assets | $393,950,667 | 1,837 |
| Average earning assets | $344,817,667 | 1,918 |
| Average equity | $46,776,667 | 1,772 |
| Average total loans | $139,194,667 | 2,753 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3033% | 4,809 |
| Cost of funding earning assets | 1.0257% | 1,312 |
| Net interest margin | 2.2776% | 4,929 |
| Noninterest income to average assets | -2.3624% | 5,110 |
| Noninterest expense to average assets | 2.5750% | 3,065 |
| Loan and lease loss provision to assets | 0.1710% | 1,721 |
| Net operating income to assets | -2.1348% | 5,056 |
| Return on assets (ROA) | -2.1348% | 5,043 |
| Pretax return on assets | -3.1178% | 5,056 |
| Return on Equity (ROE) | -17.8250% | 5,048 |
| Retained earnings to average equity (ytd only) | -17.8250% | 4,935 |
| Net charge-offs to loans | -0.0031% | 3,735 |
| Credit loss provision to net charge-offs | -16,000.0000% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -692.5287% | 5,111 |
| Assets per employee ($millions) | 8.3025% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 2,285 |
| Loan loss allowance to noncurrent loans | 3,081.1321% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 4,576 |
| Noncurrent loans to loans | 0.0412% | 4,389 |
| Net loans and leases to total assets | 33.2384% | 4,847 |
| Net loans and leases to deposits | 45.4159% | 4,734 |
| Net loans and leases to core deposits | 50.5787% | 4,660 |
| Total domestic deposits to total assets | 73.1866% | 4,713 |
| Equity capital to assets | 12.1521% | 1,957 |
| Core capital (leverage) ratio | 8.2187% | 4,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4305% | 814 |
| Memoranda: | ||
| Average total assets | $374,367,000 | 1,878 |
| Average earning assets | $327,189,000 | 1,946 |
| Average equity | $44,836,000 | 1,821 |
| Average total loans | $127,395,500 | 2,863 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5107% | 4,849 |
| Cost of funding earning assets | 1.1610% | 1,124 |
| Net interest margin | 2.3497% | 5,020 |
| Noninterest income to average assets | 0.7068% | 1,790 |
| Noninterest expense to average assets | 2.9605% | 2,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0010% | 4,970 |
| Return on assets (ROA) | 0.0010% | 4,991 |
| Pretax return on assets | -0.2346% | 5,024 |
| Return on Equity (ROE) | 0.0076% | 4,991 |
| Retained earnings to average equity (ytd only) | 0.0076% | 4,693 |
| Net charge-offs to loans | -0.0717% | 4,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0001% | 115 |
| Assets per employee ($millions) | 8.7337% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 2,608 |
| Loan loss allowance to noncurrent loans | 2,777.3585% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 4,592 |
| Noncurrent loans to loans | 0.0420% | 4,392 |
| Net loans and leases to total assets | 34.0069% | 4,897 |
| Net loans and leases to deposits | 49.4139% | 4,703 |
| Net loans and leases to core deposits | 54.6565% | 4,632 |
| Total domestic deposits to total assets | 68.8204% | 4,974 |
| Equity capital to assets | 11.7936% | 2,285 |
| Core capital (leverage) ratio | 8.5421% | 4,823 |
| Tier 1 risk-based capital ratio | 18.8609% | 1,551 |
| Total risk-based capital ratio | 19.8734% | 1,577 |
| Memoranda: | ||
| Average total assets | $310,255,000 | 2,105 |
| Average earning assets | $266,584,200 | 2,237 |
| Average equity | $39,482,000 | 1,958 |
| Average total loans | $118,487,600 | 2,959 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5837% | 4,892 |
| Cost of funding earning assets | 1.1832% | 1,077 |
| Net interest margin | 2.4005% | 5,104 |
| Noninterest income to average assets | 0.0874% | 5,026 |
| Noninterest expense to average assets | 3.0582% | 1,807 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.5092% | 5,138 |
| Return on assets (ROA) | -0.5092% | 5,146 |
| Pretax return on assets | -0.9172% | 5,170 |
| Return on Equity (ROE) | -3.9130% | 5,145 |
| Retained earnings to average equity (ytd only) | -3.9130% | 5,024 |
| Net charge-offs to loans | -0.0538% | 4,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.9790% | 52 |
| Assets per employee ($millions) | 7.7898% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 2,549 |
| Loan loss allowance to noncurrent loans | 2,560.7143% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 4,664 |
| Noncurrent loans to loans | 0.0466% | 4,437 |
| Net loans and leases to total assets | 36.3180% | 4,925 |
| Net loans and leases to deposits | 51.9089% | 4,710 |
| Net loans and leases to core deposits | 57.7616% | 4,622 |
| Total domestic deposits to total assets | 69.9649% | 4,997 |
| Equity capital to assets | 12.3834% | 1,990 |
| Core capital (leverage) ratio | 9.2849% | 4,385 |
| Tier 1 risk-based capital ratio | 19.0785% | 1,549 |
| Total risk-based capital ratio | 20.1033% | 1,565 |
| Memoranda: | ||
| Average total assets | $296,114,500 | 2,197 |
| Average earning assets | $253,327,250 | 2,332 |
| Average equity | $38,537,250 | 2,007 |
| Average total loans | $116,555,750 | 3,009 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5904% | 4,936 |
| Cost of funding earning assets | 1.2047% | 978 |
| Net interest margin | 2.3857% | 5,169 |
| Noninterest income to average assets | 2.5371% | 195 |
| Noninterest expense to average assets | 3.2230% | 1,455 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1443% | 2,348 |
| Return on assets (ROA) | 1.1443% | 2,426 |
| Pretax return on assets | 1.3515% | 2,376 |
| Return on Equity (ROE) | 8.6330% | 3,009 |
| Retained earnings to average equity (ytd only) | 8.6330% | 1,154 |
| Net charge-offs to loans | -0.0694% | 4,920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7118% | 2,417 |
| Assets per employee ($millions) | 7.0942% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 2,492 |
| Loan loss allowance to noncurrent loans | 2,460.3448% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 4,691 |
| Noncurrent loans to loans | 0.0490% | 4,467 |
| Net loans and leases to total assets | 39.2365% | 4,871 |
| Net loans and leases to deposits | 51.8430% | 4,746 |
| Net loans and leases to core deposits | 58.1760% | 4,636 |
| Total domestic deposits to total assets | 75.6832% | 4,703 |
| Equity capital to assets | 13.7152% | 1,235 |
| Core capital (leverage) ratio | 9.8405% | 3,774 |
| Tier 1 risk-based capital ratio | 19.3855% | 1,463 |
| Total risk-based capital ratio | 20.4569% | 1,471 |
| Memoranda: | ||
| Average total assets | $285,762,330 | 2,259 |
| Average earning assets | $244,037,000 | 2,399 |
| Average equity | $37,878,000 | 2,027 |
| Average total loans | $115,322,330 | 3,045 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5491% | 5,003 |
| Cost of funding earning assets | 1.2008% | 901 |
| Net interest margin | 2.3483% | 5,242 |
| Noninterest income to average assets | 1.0670% | 701 |
| Noninterest expense to average assets | 3.1752% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0915% | 5,095 |
| Return on assets (ROA) | 0.0915% | 5,098 |
| Pretax return on assets | -0.0915% | 5,170 |
| Return on Equity (ROE) | 0.7036% | 5,100 |
| Retained earnings to average equity (ytd only) | 0.7036% | 4,383 |
| Net charge-offs to loans | -0.0984% | 5,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8813% | 159 |
| Assets per employee ($millions) | 6.8745% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,471 |
| Loan loss allowance to noncurrent loans | 2,111.9403% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,736 |
| Noncurrent loans to loans | 0.0578% | 4,503 |
| Net loans and leases to total assets | 39.6656% | 4,899 |
| Net loans and leases to deposits | 57.5001% | 4,526 |
| Net loans and leases to core deposits | 65.3992% | 4,304 |
| Total domestic deposits to total assets | 68.9836% | 5,142 |
| Equity capital to assets | 12.8580% | 1,540 |
| Core capital (leverage) ratio | 9.7220% | 3,893 |
| Tier 1 risk-based capital ratio | 18.6465% | 1,619 |
| Total risk-based capital ratio | 19.7395% | 1,613 |
| Memoranda: | ||
| Average total assets | $279,666,000 | 2,316 |
| Average earning assets | $240,171,000 | 2,451 |
| Average equity | $36,384,500 | 2,080 |
| Average total loans | $113,816,500 | 3,103 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6673% | 4,711 |
| Cost of funding earning assets | 0.8596% | 1,264 |
| Net interest margin | 2.8077% | 5,017 |
| Noninterest income to average assets | 2.9772% | 153 |
| Noninterest expense to average assets | 3.2524% | 1,427 |
| Loan and lease loss provision to assets | -0.0909% | 5,256 |
| Net operating income to assets | 1.8458% | 506 |
| Return on assets (ROA) | 1.8458% | 502 |
| Pretax return on assets | 2.2808% | 302 |
| Return on Equity (ROE) | 13.9853% | 1,043 |
| Retained earnings to average equity (ytd only) | 13.9853% | 165 |
| Net charge-offs to loans | -0.1634% | 5,238 |
| Credit loss provision to net charge-offs | 125.2809% | 2,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7618% | 3,902 |
| Assets per employee ($millions) | 6.6000% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,345 |
| Loan loss allowance to noncurrent loans | 2,070.1493% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,747 |
| Noncurrent loans to loans | 0.0600% | 4,480 |
| Net loans and leases to total assets | 40.7626% | 4,919 |
| Net loans and leases to deposits | 54.3999% | 4,735 |
| Net loans and leases to core deposits | 61.5993% | 4,558 |
| Total domestic deposits to total assets | 74.9314% | 4,880 |
| Equity capital to assets | 13.1722% | 1,269 |
| Core capital (leverage) ratio | 9.4658% | 4,152 |
| Tier 1 risk-based capital ratio | 19.2588% | 1,462 |
| Total risk-based capital ratio | 20.4467% | 1,442 |
| Memoranda: | ||
| Average total assets | $245,261,400 | 2,505 |
| Average earning assets | $215,335,200 | 2,597 |
| Average equity | $32,369,600 | 2,196 |
| Average total loans | $108,964,800 | 3,146 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 4,710 |
| Cost of funding earning assets | 0.7764% | 1,439 |
| Net interest margin | 2.8876% | 4,993 |
| Noninterest income to average assets | 4.2852% | 109 |
| Noninterest expense to average assets | 3.2656% | 1,380 |
| Loan and lease loss provision to assets | -0.0893% | 5,341 |
| Net operating income to assets | 2.8499% | 96 |
| Return on assets (ROA) | 2.8499% | 95 |
| Pretax return on assets | 3.6512% | 69 |
| Return on Equity (ROE) | 21.5814% | 185 |
| Retained earnings to average equity (ytd only) | 21.5814% | 43 |
| Net charge-offs to loans | -0.1699% | 5,274 |
| Credit loss provision to net charge-offs | 115.9420% | 2,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8300% | 5,058 |
| Assets per employee ($millions) | 6.1157% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 2,239 |
| Loan loss allowance to noncurrent loans | 1,985.9155% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 4,850 |
| Noncurrent loans to loans | 0.0641% | 4,599 |
| Net loans and leases to total assets | 41.5815% | 4,980 |
| Net loans and leases to deposits | 54.0459% | 4,820 |
| Net loans and leases to core deposits | 60.7161% | 4,674 |
| Total domestic deposits to total assets | 76.9374% | 4,655 |
| Equity capital to assets | 13.0301% | 1,321 |
| Core capital (leverage) ratio | 9.9013% | 3,740 |
| Tier 1 risk-based capital ratio | 19.2441% | 1,486 |
| Total risk-based capital ratio | 20.4673% | 1,456 |
| Memoranda: | ||
| Average total assets | $238,926,500 | 2,567 |
| Average earning assets | $210,367,500 | 2,647 |
| Average equity | $31,551,000 | 2,249 |
| Average total loans | $108,283,250 | 3,188 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7237% | 4,526 |
| Cost of funding earning assets | 0.7410% | 1,424 |
| Net interest margin | 2.9827% | 4,902 |
| Noninterest income to average assets | 4.4173% | 107 |
| Noninterest expense to average assets | 3.3866% | 1,152 |
| Loan and lease loss provision to assets | -0.1386% | 5,447 |
| Net operating income to assets | 2.9648% | 85 |
| Return on assets (ROA) | 2.9648% | 85 |
| Pretax return on assets | 3.7980% | 63 |
| Return on Equity (ROE) | 22.3390% | 145 |
| Retained earnings to average equity (ytd only) | 22.3390% | 45 |
| Net charge-offs to loans | -0.1545% | 5,280 |
| Credit loss provision to net charge-offs | 192.7711% | 1,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0639% | 5,115 |
| Assets per employee ($millions) | 5.5408% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 2,462 |
| Loan loss allowance to noncurrent loans | 1,782.8947% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 4,868 |
| Noncurrent loans to loans | 0.0698% | 4,608 |
| Net loans and leases to total assets | 45.1246% | 4,864 |
| Net loans and leases to deposits | 55.4520% | 4,780 |
| Net loans and leases to core deposits | 62.2998% | 4,589 |
| Total domestic deposits to total assets | 81.3759% | 3,898 |
| Equity capital to assets | 13.5371% | 1,089 |
| Core capital (leverage) ratio | 10.4671% | 3,067 |
| Tier 1 risk-based capital ratio | 18.9565% | 1,556 |
| Total risk-based capital ratio | 20.1521% | 1,535 |
| Memoranda: | ||
| Average total assets | $230,910,330 | 2,631 |
| Average earning assets | $203,509,670 | 2,723 |
| Average equity | $30,646,000 | 2,312 |
| Average total loans | $107,458,000 | 3,214 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 3,880 |
| Cost of funding earning assets | 0.6784% | 1,552 |
| Net interest margin | 3.2386% | 4,346 |
| Noninterest income to average assets | 6.7859% | 79 |
| Noninterest expense to average assets | 3.3392% | 1,271 |
| Loan and lease loss provision to assets | -0.2816% | 5,567 |
| Net operating income to assets | 5.0749% | 37 |
| Return on assets (ROA) | 5.0749% | 37 |
| Pretax return on assets | 6.5940% | 38 |
| Return on Equity (ROE) | 38.6429% | 21 |
| Retained earnings to average equity (ytd only) | 38.6429% | 9 |
| Net charge-offs to loans | -0.1386% | 5,302 |
| Credit loss provision to net charge-offs | 432.4324% | 658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5978% | 5,531 |
| Assets per employee ($millions) | 5.3881% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 2,415 |
| Loan loss allowance to noncurrent loans | 1,636.2500% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 4,933 |
| Noncurrent loans to loans | 0.0774% | 4,638 |
| Net loans and leases to total assets | 45.0656% | 4,847 |
| Net loans and leases to deposits | 59.4850% | 4,510 |
| Net loans and leases to core deposits | 64.5178% | 4,392 |
| Total domestic deposits to total assets | 75.7597% | 4,983 |
| Equity capital to assets | 13.7233% | 973 |
| Core capital (leverage) ratio | 10.0881% | 3,438 |
| Tier 1 risk-based capital ratio | 19.3839% | 1,457 |
| Total risk-based capital ratio | 20.5764% | 1,438 |
| Memoranda: | ||
| Average total assets | $227,237,500 | 2,683 |
| Average earning assets | $201,076,000 | 2,775 |
| Average equity | $29,842,500 | 2,379 |
| Average total loans | $106,753,500 | 3,247 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 3,510 |
| Cost of funding earning assets | 0.4670% | 2,625 |
| Net interest margin | 3.5015% | 3,523 |
| Noninterest income to average assets | 1.2300% | 693 |
| Noninterest expense to average assets | 3.5299% | 987 |
| Loan and lease loss provision to assets | -0.0046% | 5,293 |
| Net operating income to assets | 1.1436% | 1,701 |
| Return on assets (ROA) | 1.1436% | 1,738 |
| Pretax return on assets | 0.8287% | 4,169 |
| Return on Equity (ROE) | 9.2830% | 2,180 |
| Retained earnings to average equity (ytd only) | 6.9981% | 1,074 |
| Net charge-offs to loans | -0.0101% | 4,792 |
| Credit loss provision to net charge-offs | 90.9091% | 2,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0733% | 1,007 |
| Assets per employee ($millions) | 5.4327% | 2,010 |
| Cash dividends to net income (ytd only)* | 24.6141% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 2,221 |
| Loan loss allowance to noncurrent loans | 1,725.3012% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 4,057 |
| Noncurrent loans to loans | 0.0753% | 4,663 |
| Net loans and leases to total assets | 47.6750% | 4,792 |
| Net loans and leases to deposits | 60.5286% | 4,535 |
| Net loans and leases to core deposits | 65.2675% | 4,460 |
| Total domestic deposits to total assets | 78.7645% | 4,589 |
| Equity capital to assets | 12.5470% | 1,488 |
| Core capital (leverage) ratio | 9.6641% | 3,854 |
| Tier 1 risk-based capital ratio | 17.8200% | 1,853 |
| Total risk-based capital ratio | 19.0708% | 1,800 |
| Memoranda: | ||
| Average total assets | $215,276,800 | 2,763 |
| Average earning assets | $192,060,200 | 2,846 |
| Average equity | $26,521,600 | 2,575 |
| Average total loans | $108,703,600 | 3,206 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 3,601 |
| Cost of funding earning assets | 0.4224% | 2,964 |
| Net interest margin | 3.5029% | 3,493 |
| Noninterest income to average assets | 1.4920% | 485 |
| Noninterest expense to average assets | 3.5732% | 898 |
| Loan and lease loss provision to assets | -0.0063% | 5,449 |
| Net operating income to assets | 0.9274% | 2,890 |
| Return on assets (ROA) | 0.9274% | 2,951 |
| Pretax return on assets | 1.0481% | 3,496 |
| Return on Equity (ROE) | 7.5655% | 3,360 |
| Retained earnings to average equity (ytd only) | 4.4572% | 3,246 |
| Net charge-offs to loans | 0.0098% | 3,375 |
| Credit loss provision to net charge-offs | -125.0000% | 4,544 |
| Earnings coverage of net charge-offs (x) | 207.0553% | 419 |
| Efficiency ratio | 77.4251% | 1,404 |
| Assets per employee ($millions) | 4.7930% | 2,705 |
| Cash dividends to net income (ytd only)* | 41.0847% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,625 |
| Loan loss allowance to noncurrent loans | 622.4670% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 4,731 |
| Noncurrent loans to loans | 0.2013% | 4,279 |
| Net loans and leases to total assets | 49.4440% | 4,740 |
| Net loans and leases to deposits | 63.8424% | 4,389 |
| Net loans and leases to core deposits | 69.1075% | 4,300 |
| Total domestic deposits to total assets | 77.4470% | 4,812 |
| Equity capital to assets | 12.1628% | 1,857 |
| Core capital (leverage) ratio | 9.9799% | 3,590 |
| Tier 1 risk-based capital ratio | 17.2185% | 2,088 |
| Total risk-based capital ratio | 18.4116% | 2,068 |
| Memoranda: | ||
| Average total assets | $212,052,500 | 2,823 |
| Average earning assets | $189,059,000 | 2,906 |
| Average equity | $25,994,750 | 2,629 |
| Average total loans | $108,326,000 | 3,232 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 2,941 |
| Cost of funding earning assets | 0.4160% | 2,922 |
| Net interest margin | 3.6534% | 2,826 |
| Noninterest income to average assets | 1.9360% | 327 |
| Noninterest expense to average assets | 3.6244% | 843 |
| Loan and lease loss provision to assets | -0.0578% | 5,609 |
| Net operating income to assets | 1.2685% | 1,378 |
| Return on assets (ROA) | 1.2685% | 1,410 |
| Pretax return on assets | 1.6172% | 1,293 |
| Return on Equity (ROE) | 10.3186% | 1,906 |
| Retained earnings to average equity (ytd only) | 10.3186% | 531 |
| Net charge-offs to loans | -0.0187% | 4,762 |
| Credit loss provision to net charge-offs | 600.0000% | 566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9182% | 2,689 |
| Assets per employee ($millions) | 4.4553% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 2,254 |
| Loan loss allowance to noncurrent loans | 972.5352% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 4,936 |
| Noncurrent loans to loans | 0.1372% | 4,566 |
| Net loans and leases to total assets | 47.7490% | 4,838 |
| Net loans and leases to deposits | 55.3038% | 4,888 |
| Net loans and leases to core deposits | 58.8072% | 4,883 |
| Total domestic deposits to total assets | 86.3394% | 2,224 |
| Equity capital to assets | 12.5711% | 1,588 |
| Core capital (leverage) ratio | 10.6697% | 2,740 |
| Tier 1 risk-based capital ratio | 18.1026% | 1,825 |
| Total risk-based capital ratio | 19.3145% | 1,793 |
| Memoranda: | ||
| Average total assets | $207,647,000 | 2,879 |
| Average earning assets | $184,596,000 | 2,960 |
| Average equity | $25,526,670 | 2,665 |
| Average total loans | $106,836,330 | 3,267 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 2,474 |
| Cost of funding earning assets | 0.4337% | 2,674 |
| Net interest margin | 3.7158% | 2,438 |
| Noninterest income to average assets | 1.1518% | 759 |
| Noninterest expense to average assets | 3.6159% | 882 |
| Loan and lease loss provision to assets | -0.1173% | 5,759 |
| Net operating income to assets | 0.7822% | 3,298 |
| Return on assets (ROA) | 0.7822% | 3,354 |
| Pretax return on assets | 0.9543% | 3,572 |
| Return on Equity (ROE) | 6.4392% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.4392% | 2,115 |
| Net charge-offs to loans | -0.0221% | 4,795 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2033% | 1,238 |
| Assets per employee ($millions) | 4.4181% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 2,586 |
| Loan loss allowance to noncurrent loans | 905.9211% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 4,976 |
| Noncurrent loans to loans | 0.1425% | 4,621 |
| Net loans and leases to total assets | 51.8216% | 4,532 |
| Net loans and leases to deposits | 66.7262% | 4,109 |
| Net loans and leases to core deposits | 71.2610% | 4,051 |
| Total domestic deposits to total assets | 77.6630% | 5,016 |
| Equity capital to assets | 12.5123% | 1,523 |
| Core capital (leverage) ratio | 10.2534% | 3,186 |
| Tier 1 risk-based capital ratio | 17.0009% | 2,179 |
| Total risk-based capital ratio | 18.1788% | 2,161 |
| Memoranda: | ||
| Average total assets | $204,542,500 | 2,940 |
| Average earning assets | $181,712,500 | 3,013 |
| Average equity | $24,848,000 | 2,721 |
| Average total loans | $108,507,000 | 3,270 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4762% | 1,610 |
| Cost of funding earning assets | 0.3611% | 3,403 |
| Net interest margin | 4.1152% | 1,346 |
| Noninterest income to average assets | 3.3397% | 174 |
| Noninterest expense to average assets | 4.0039% | 595 |
| Loan and lease loss provision to assets | 0.0269% | 3,817 |
| Net operating income to assets | 1.9512% | 356 |
| Return on assets (ROA) | 1.9512% | 371 |
| Pretax return on assets | 2.8930% | 124 |
| Return on Equity (ROE) | 16.4187% | 466 |
| Retained earnings to average equity (ytd only) | 13.7255% | 140 |
| Net charge-offs to loans | -0.2217% | 5,760 |
| Credit loss provision to net charge-offs | -20.2532% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8287% | 4,874 |
| Assets per employee ($millions) | 4.6600% | 2,860 |
| Cash dividends to net income (ytd only)* | 16.4033% | 3,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 2,562 |
| Loan loss allowance to noncurrent loans | 581.7073% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 4,844 |
| Noncurrent loans to loans | 0.2230% | 4,353 |
| Net loans and leases to total assets | 51.9251% | 4,617 |
| Net loans and leases to deposits | 81.1066% | 2,775 |
| Net loans and leases to core deposits | 88.1813% | 2,649 |
| Total domestic deposits to total assets | 64.0208% | 5,789 |
| Equity capital to assets | 13.4076% | 1,085 |
| Core capital (leverage) ratio | 10.2149% | 3,208 |
| Tier 1 risk-based capital ratio | 16.2712% | 2,436 |
| Total risk-based capital ratio | 17.4431% | 2,412 |
| Memoranda: | ||
| Average total assets | $178,399,200 | 3,184 |
| Average earning assets | $155,375,800 | 3,310 |
| Average equity | $21,201,400 | 3,050 |
| Average total loans | $106,922,600 | 3,262 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 1,275 |
| Cost of funding earning assets | 0.3453% | 3,589 |
| Net interest margin | 4.2628% | 1,000 |
| Noninterest income to average assets | 1.9784% | 352 |
| Noninterest expense to average assets | 4.2272% | 473 |
| Loan and lease loss provision to assets | 0.0375% | 3,492 |
| Net operating income to assets | 0.9364% | 2,721 |
| Return on assets (ROA) | 0.9364% | 2,848 |
| Pretax return on assets | 1.4195% | 1,973 |
| Return on Equity (ROE) | 8.2027% | 2,906 |
| Retained earnings to average equity (ytd only) | 4.2931% | 3,267 |
| Net charge-offs to loans | -0.2677% | 5,820 |
| Credit loss provision to net charge-offs | -22.5352% | 4,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3674% | 2,213 |
| Assets per employee ($millions) | 3.8625% | 4,191 |
| Cash dividends to net income (ytd only)* | 47.6626% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 2,844 |
| Loan loss allowance to noncurrent loans | 764.6739% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 5,024 |
| Noncurrent loans to loans | 0.1660% | 4,693 |
| Net loans and leases to total assets | 60.2739% | 3,839 |
| Net loans and leases to deposits | 89.2430% | 1,849 |
| Net loans and leases to core deposits | 95.1900% | 2,080 |
| Total domestic deposits to total assets | 67.5390% | 5,778 |
| Equity capital to assets | 10.9266% | 3,088 |
| Core capital (leverage) ratio | 11.0299% | 2,420 |
| Tier 1 risk-based capital ratio | 15.7410% | 2,726 |
| Total risk-based capital ratio | 16.8908% | 2,703 |
| Memoranda: | ||
| Average total assets | $170,573,500 | 3,288 |
| Average earning assets | $148,288,000 | 3,407 |
| Average equity | $19,472,750 | 3,239 |
| Average total loans | $106,073,500 | 3,285 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 1,105 |
| Cost of funding earning assets | 0.3243% | 3,855 |
| Net interest margin | 4.3511% | 850 |
| Noninterest income to average assets | 2.2849% | 286 |
| Noninterest expense to average assets | 4.3554% | 430 |
| Loan and lease loss provision to assets | 0.0575% | 2,989 |
| Net operating income to assets | 1.0832% | 2,019 |
| Return on assets (ROA) | 1.0832% | 2,154 |
| Pretax return on assets | 1.6499% | 1,218 |
| Return on Equity (ROE) | 9.3429% | 2,339 |
| Retained earnings to average equity (ytd only) | 3.4416% | 3,703 |
| Net charge-offs to loans | -0.3005% | 5,884 |
| Credit loss provision to net charge-offs | -30.5732% | 4,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8379% | 2,685 |
| Assets per employee ($millions) | 3.7416% | 4,373 |
| Cash dividends to net income (ytd only)* | 63.1637% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 2,915 |
| Loan loss allowance to noncurrent loans | 668.8119% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 5,042 |
| Noncurrent loans to loans | 0.1908% | 4,674 |
| Net loans and leases to total assets | 60.7286% | 3,784 |
| Net loans and leases to deposits | 89.1089% | 1,852 |
| Net loans and leases to core deposits | 96.3523% | 1,949 |
| Total domestic deposits to total assets | 68.1509% | 5,838 |
| Equity capital to assets | 11.3999% | 2,638 |
| Core capital (leverage) ratio | 11.2098% | 2,226 |
| Tier 1 risk-based capital ratio | 15.8558% | 2,712 |
| Total risk-based capital ratio | 16.9920% | 2,699 |
| Memoranda: | ||
| Average total assets | $166,918,670 | 3,354 |
| Average earning assets | $144,928,330 | 3,468 |
| Average equity | $19,351,670 | 3,261 |
| Average total loans | $104,489,000 | 3,332 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 1,157 |
| Cost of funding earning assets | 0.3114% | 4,044 |
| Net interest margin | 4.3313% | 867 |
| Noninterest income to average assets | 3.1159% | 194 |
| Noninterest expense to average assets | 4.2940% | 455 |
| Loan and lease loss provision to assets | 0.1168% | 1,801 |
| Net operating income to assets | 1.5725% | 745 |
| Return on assets (ROA) | 1.5725% | 780 |
| Pretax return on assets | 2.4635% | 254 |
| Return on Equity (ROE) | 13.4464% | 936 |
| Retained earnings to average equity (ytd only) | 1.5611% | 4,646 |
| Net charge-offs to loans | -0.4702% | 5,988 |
| Credit loss provision to net charge-offs | -39.3443% | 4,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4646% | 4,378 |
| Assets per employee ($millions) | 3.7670% | 4,366 |
| Cash dividends to net income (ytd only)* | 88.3901% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 3,221 |
| Loan loss allowance to noncurrent loans | 546.0581% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 4,993 |
| Noncurrent loans to loans | 0.2282% | 4,612 |
| Net loans and leases to total assets | 62.9109% | 3,398 |
| Net loans and leases to deposits | 87.4744% | 1,888 |
| Net loans and leases to core deposits | 94.2828% | 1,963 |
| Total domestic deposits to total assets | 71.9193% | 5,777 |
| Equity capital to assets | 11.6159% | 2,326 |
| Core capital (leverage) ratio | 11.5405% | 1,947 |
| Tier 1 risk-based capital ratio | 15.9752% | 2,694 |
| Total risk-based capital ratio | 17.1099% | 2,686 |
| Memoranda: | ||
| Average total assets | $164,320,500 | 3,398 |
| Average earning assets | $142,590,500 | 3,517 |
| Average equity | $19,217,000 | 3,281 |
| Average total loans | $103,796,500 | 3,360 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 629 |
| Cost of funding earning assets | 0.3172% | 4,068 |
| Net interest margin | 4.6819% | 466 |
| Noninterest income to average assets | 2.5398% | 262 |
| Noninterest expense to average assets | 5.0093% | 277 |
| Loan and lease loss provision to assets | -0.5362% | 6,128 |
| Net operating income to assets | 1.3211% | 1,218 |
| Return on assets (ROA) | 1.3211% | 1,264 |
| Pretax return on assets | 2.0036% | 534 |
| Return on Equity (ROE) | 10.0112% | 2,004 |
| Retained earnings to average equity (ytd only) | 3.6150% | 3,486 |
| Net charge-offs to loans | -0.9783% | 6,128 |
| Credit loss provision to net charge-offs | 86.3229% | 2,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3441% | 2,069 |
| Assets per employee ($millions) | 3.7882% | 4,307 |
| Cash dividends to net income (ytd only)* | 63.8904% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 3,907 |
| Loan loss allowance to noncurrent loans | 387.1622% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 3,319 |
| Noncurrent loans to loans | 0.2902% | 4,422 |
| Net loans and leases to total assets | 61.9163% | 3,574 |
| Net loans and leases to deposits | 78.3972% | 3,008 |
| Net loans and leases to core deposits | 94.9323% | 1,952 |
| Total domestic deposits to total assets | 78.9777% | 4,982 |
| Equity capital to assets | 11.7751% | 2,130 |
| Core capital (leverage) ratio | 12.8515% | 1,208 |
| Tier 1 risk-based capital ratio | 16.3882% | 2,534 |
| Total risk-based capital ratio | 17.4015% | 2,577 |
| Memoranda: | ||
| Average total assets | $143,592,000 | 3,668 |
| Average earning assets | $120,740,400 | 3,867 |
| Average equity | $18,948,800 | 3,268 |
| Average total loans | $91,179,400 | 3,565 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 433 |
| Cost of funding earning assets | 0.3335% | 3,938 |
| Net interest margin | 4.8837% | 316 |
| Noninterest income to average assets | 2.8469% | 227 |
| Noninterest expense to average assets | 5.1490% | 254 |
| Loan and lease loss provision to assets | 0.0144% | 3,983 |
| Net operating income to assets | 1.1751% | 1,733 |
| Return on assets (ROA) | 1.1751% | 1,806 |
| Pretax return on assets | 1.7497% | 995 |
| Return on Equity (ROE) | 8.6319% | 2,768 |
| Retained earnings to average equity (ytd only) | 3.7901% | 3,770 |
| Net charge-offs to loans | -0.1808% | 5,966 |
| Credit loss provision to net charge-offs | -12.5000% | 4,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4823% | 2,475 |
| Assets per employee ($millions) | 3.2743% | 5,164 |
| Cash dividends to net income (ytd only)* | 56.0912% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 3,818 |
| Loan loss allowance to noncurrent loans | 205.1327% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.8821% | 2,672 |
| Noncurrent loans to loans | 0.5702% | 3,628 |
| Net loans and leases to total assets | 69.5576% | 2,454 |
| Net loans and leases to deposits | 98.9852% | 730 |
| Net loans and leases to core deposits | 105.1606% | 1,160 |
| Total domestic deposits to total assets | 70.2707% | 5,957 |
| Equity capital to assets | 13.6054% | 1,177 |
| Core capital (leverage) ratio | 13.5763% | 987 |
| Tier 1 risk-based capital ratio | 16.5126% | 2,566 |
| Total risk-based capital ratio | 17.5582% | 2,618 |
| Memoranda: | ||
| Average total assets | $138,766,500 | 3,774 |
| Average earning assets | $115,538,000 | 4,013 |
| Average equity | $18,890,750 | 3,305 |
| Average total loans | $88,473,250 | 3,654 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3379% | 342 |
| Cost of funding earning assets | 0.3458% | 3,858 |
| Net interest margin | 4.9920% | 251 |
| Noninterest income to average assets | 2.4260% | 282 |
| Noninterest expense to average assets | 5.2806% | 241 |
| Loan and lease loss provision to assets | -0.1666% | 6,152 |
| Net operating income to assets | 0.9979% | 2,401 |
| Return on assets (ROA) | 0.9979% | 2,512 |
| Pretax return on assets | 1.4512% | 1,800 |
| Return on Equity (ROE) | 7.3289% | 3,423 |
| Retained earnings to average equity (ytd only) | 3.6804% | 3,681 |
| Net charge-offs to loans | -0.2614% | 6,092 |
| Credit loss provision to net charge-offs | 103.6036% | 2,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4324% | 1,698 |
| Assets per employee ($millions) | 3.1265% | 5,435 |
| Cash dividends to net income (ytd only)* | 49.7823% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 3,990 |
| Loan loss allowance to noncurrent loans | 152.2388% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.0071% | 2,509 |
| Noncurrent loans to loans | 0.7665% | 3,193 |
| Net loans and leases to total assets | 64.2604% | 3,233 |
| Net loans and leases to deposits | 80.2286% | 2,759 |
| Net loans and leases to core deposits | 86.0811% | 2,758 |
| Total domestic deposits to total assets | 80.0965% | 4,842 |
| Equity capital to assets | 14.1529% | 935 |
| Core capital (leverage) ratio | 13.3142% | 1,042 |
| Tier 1 risk-based capital ratio | 17.7592% | 2,140 |
| Total risk-based capital ratio | 18.7669% | 2,171 |
| Memoranda: | ||
| Average total assets | $138,089,670 | 3,823 |
| Average earning assets | $114,503,000 | 4,061 |
| Average equity | $18,802,330 | 3,335 |
| Average total loans | $84,933,000 | 3,750 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1775% | 420 |
| Cost of funding earning assets | 0.3359% | 4,024 |
| Net interest margin | 4.8416% | 323 |
| Noninterest income to average assets | 1.5152% | 533 |
| Noninterest expense to average assets | 5.1002% | 277 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3659% | 5,200 |
| Return on assets (ROA) | 0.3659% | 5,319 |
| Pretax return on assets | 0.4117% | 5,403 |
| Return on Equity (ROE) | 2.7394% | 5,463 |
| Retained earnings to average equity (ytd only) | -4.6014% | 5,906 |
| Net charge-offs to loans | -0.0860% | 5,787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5311% | 678 |
| Assets per employee ($millions) | 3.0434% | 5,614 |
| Cash dividends to net income (ytd only)* | 267.9688% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 3,749 |
| Loan loss allowance to noncurrent loans | 109.3389% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1693% | 2,292 |
| Noncurrent loans to loans | 1.1328% | 2,508 |
| Net loans and leases to total assets | 59.3484% | 3,751 |
| Net loans and leases to deposits | 84.3573% | 2,023 |
| Net loans and leases to core deposits | 90.8113% | 2,052 |
| Total domestic deposits to total assets | 70.3537% | 6,111 |
| Equity capital to assets | 13.2653% | 1,274 |
| Core capital (leverage) ratio | 12.9919% | 1,160 |
| Tier 1 risk-based capital ratio | 17.6619% | 2,248 |
| Total risk-based capital ratio | 18.6955% | 2,272 |
| Memoranda: | ||
| Average total assets | $139,915,000 | 3,812 |
| Average earning assets | $115,499,000 | 4,072 |
| Average equity | $18,690,000 | 3,369 |
| Average total loans | $83,694,000 | 3,802 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5188% | 305 |
| Cost of funding earning assets | 0.3113% | 4,665 |
| Net interest margin | 5.2075% | 209 |
| Noninterest income to average assets | 1.4589% | 573 |
| Noninterest expense to average assets | 5.0397% | 296 |
| Loan and lease loss provision to assets | -0.3718% | 6,411 |
| Net operating income to assets | 0.7932% | 3,405 |
| Return on assets (ROA) | 0.8066% | 3,432 |
| Pretax return on assets | 1.1139% | 3,031 |
| Return on Equity (ROE) | 5.8461% | 4,232 |
| Retained earnings to average equity (ytd only) | -4.3649% | 6,154 |
| Net charge-offs to loans | -0.3637% | 6,358 |
| Credit loss provision to net charge-offs | 178.7456% | 1,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4497% | 1,043 |
| Assets per employee ($millions) | 3.2519% | 5,345 |
| Cash dividends to net income (ytd only)* | 174.6631% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 3,829 |
| Loan loss allowance to noncurrent loans | 93.2605% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.2758% | 2,210 |
| Noncurrent loans to loans | 1.3188% | 2,238 |
| Net loans and leases to total assets | 58.8102% | 3,946 |
| Net loans and leases to deposits | 78.7203% | 2,880 |
| Net loans and leases to core deposits | 84.7340% | 2,813 |
| Total domestic deposits to total assets | 74.7077% | 5,886 |
| Equity capital to assets | 13.4510% | 1,182 |
| Core capital (leverage) ratio | 13.1812% | 1,068 |
| Tier 1 risk-based capital ratio | 19.7566% | 1,651 |
| Total risk-based capital ratio | 20.8581% | 1,647 |
| Memoranda: | ||
| Average total assets | $137,984,400 | 3,838 |
| Average earning assets | $114,047,200 | 4,092 |
| Average equity | $19,038,400 | 3,285 |
| Average total loans | $78,910,000 | 3,904 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3930% | 384 |
| Cost of funding earning assets | 0.3049% | 4,841 |
| Net interest margin | 5.0881% | 251 |
| Noninterest income to average assets | 1.4620% | 586 |
| Noninterest expense to average assets | 4.9959% | 312 |
| Loan and lease loss provision to assets | -0.3112% | 6,469 |
| Net operating income to assets | 0.7356% | 3,749 |
| Return on assets (ROA) | 0.7543% | 3,745 |
| Pretax return on assets | 1.0093% | 3,557 |
| Return on Equity (ROE) | 5.4322% | 4,516 |
| Retained earnings to average equity (ytd only) | -7.1777% | 6,327 |
| Net charge-offs to loans | -0.4352% | 6,438 |
| Credit loss provision to net charge-offs | 126.3780% | 1,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1307% | 991 |
| Assets per employee ($millions) | 3.2593% | 5,312 |
| Cash dividends to net income (ytd only)* | 232.1331% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 2,984 |
| Loan loss allowance to noncurrent loans | 38.0264% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 2.6567% | 960 |
| Noncurrent loans to loans | 3.7926% | 591 |
| Net loans and leases to total assets | 56.3737% | 4,283 |
| Net loans and leases to deposits | 74.7444% | 3,336 |
| Net loans and leases to core deposits | 80.3173% | 3,283 |
| Total domestic deposits to total assets | 75.4220% | 5,880 |
| Equity capital to assets | 12.9894% | 1,429 |
| Core capital (leverage) ratio | 13.1019% | 1,137 |
| Tier 1 risk-based capital ratio | 19.9704% | 1,681 |
| Total risk-based capital ratio | 21.2208% | 1,651 |
| Memoranda: | ||
| Average total assets | $137,522,250 | 3,872 |
| Average earning assets | $113,699,500 | 4,135 |
| Average equity | $19,095,750 | 3,286 |
| Average total loans | $77,822,500 | 3,967 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5288% | 293 |
| Cost of funding earning assets | 0.2994% | 4,973 |
| Net interest margin | 5.2294% | 189 |
| Noninterest income to average assets | 1.4960% | 544 |
| Noninterest expense to average assets | 5.0502% | 304 |
| Loan and lease loss provision to assets | -0.4736% | 6,585 |
| Net operating income to assets | 0.8945% | 2,843 |
| Return on assets (ROA) | 0.9221% | 2,795 |
| Pretax return on assets | 1.2614% | 2,404 |
| Return on Equity (ROE) | 6.4929% | 3,886 |
| Retained earnings to average equity (ytd only) | -7.7500% | 6,365 |
| Net charge-offs to loans | -0.7302% | 6,550 |
| Credit loss provision to net charge-offs | 115.0538% | 1,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0771% | 1,176 |
| Assets per employee ($millions) | 3.0593% | 5,673 |
| Cash dividends to net income (ytd only)* | 219.3600% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 2,804 |
| Loan loss allowance to noncurrent loans | 40.0663% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 2.7072% | 981 |
| Noncurrent loans to loans | 3.7936% | 652 |
| Net loans and leases to total assets | 56.8530% | 4,134 |
| Net loans and leases to deposits | 76.7170% | 2,960 |
| Net loans and leases to core deposits | 81.3937% | 3,053 |
| Total domestic deposits to total assets | 74.1075% | 6,101 |
| Equity capital to assets | 13.8782% | 1,026 |
| Core capital (leverage) ratio | 13.9271% | 858 |
| Tier 1 risk-based capital ratio | 20.5852% | 1,546 |
| Total risk-based capital ratio | 21.8364% | 1,520 |
| Memoranda: | ||
| Average total assets | $135,560,000 | 3,929 |
| Average earning assets | $111,561,000 | 4,200 |
| Average equity | $19,251,670 | 3,249 |
| Average total loans | $76,420,670 | 4,027 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 446 |
| Cost of funding earning assets | 0.2900% | 5,169 |
| Net interest margin | 4.9634% | 293 |
| Noninterest income to average assets | 1.5315% | 504 |
| Noninterest expense to average assets | 5.2013% | 279 |
| Loan and lease loss provision to assets | -0.2379% | 6,590 |
| Net operating income to assets | 0.5178% | 4,596 |
| Return on assets (ROA) | 0.5799% | 4,367 |
| Pretax return on assets | 0.7167% | 4,434 |
| Return on Equity (ROE) | 4.0363% | 5,016 |
| Retained earnings to average equity (ytd only) | -20.0988% | 6,533 |
| Net charge-offs to loans | -0.1282% | 6,219 |
| Credit loss provision to net charge-offs | 333.3333% | 740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8344% | 825 |
| Assets per employee ($millions) | 2.9944% | 5,866 |
| Cash dividends to net income (ytd only)* | 597.9487% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 2,858 |
| Loan loss allowance to noncurrent loans | 35.0044% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 3.0724% | 916 |
| Noncurrent loans to loans | 4.4722% | 544 |
| Net loans and leases to total assets | 55.7162% | 4,180 |
| Net loans and leases to deposits | 75.5925% | 2,859 |
| Net loans and leases to core deposits | 78.1515% | 3,187 |
| Total domestic deposits to total assets | 73.7059% | 6,267 |
| Equity capital to assets | 14.0387% | 907 |
| Core capital (leverage) ratio | 13.8928% | 853 |
| Tier 1 risk-based capital ratio | 20.6603% | 1,544 |
| Total risk-based capital ratio | 21.9113% | 1,517 |
| Memoranda: | ||
| Average total assets | $134,505,500 | 3,986 |
| Average earning assets | $110,326,500 | 4,264 |
| Average equity | $19,324,500 | 3,248 |
| Average total loans | $74,892,500 | 4,103 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3525% | 479 |
| Cost of funding earning assets | 0.3418% | 5,225 |
| Net interest margin | 5.0107% | 308 |
| Noninterest income to average assets | 6.5897% | 100 |
| Noninterest expense to average assets | 6.1159% | 192 |
| Loan and lease loss provision to assets | 0.1017% | 3,103 |
| Net operating income to assets | 2.9363% | 113 |
| Return on assets (ROA) | 2.8508% | 121 |
| Pretax return on assets | 4.2839% | 67 |
| Return on Equity (ROE) | 19.0772% | 331 |
| Retained earnings to average equity (ytd only) | 0.1702% | 5,771 |
| Net charge-offs to loans | 0.4912% | 1,353 |
| Credit loss provision to net charge-offs | 41.9162% | 3,997 |
| Earnings coverage of net charge-offs (x) | 18.3234% | 1,657 |
| Efficiency ratio | 57.8976% | 5,752 |
| Assets per employee ($millions) | 3.2747% | 5,335 |
| Cash dividends to net income (ytd only)* | 99.1078% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7004% | 2,402 |
| Loan loss allowance to noncurrent loans | 34.0136% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 3.5237% | 828 |
| Noncurrent loans to loans | 4.9990% | 500 |
| Net loans and leases to total assets | 53.8231% | 4,603 |
| Net loans and leases to deposits | 74.5628% | 3,185 |
| Net loans and leases to core deposits | 77.2547% | 3,458 |
| Total domestic deposits to total assets | 72.1850% | 6,410 |
| Equity capital to assets | 14.6966% | 738 |
| Core capital (leverage) ratio | 14.4565% | 700 |
| Tier 1 risk-based capital ratio | 22.0289% | 1,253 |
| Total risk-based capital ratio | 23.2811% | 1,228 |
| Memoranda: | ||
| Average total assets | $137,608,600 | 3,923 |
| Average earning assets | $109,126,000 | 4,286 |
| Average equity | $20,563,800 | 3,097 |
| Average total loans | $67,999,400 | 4,342 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4503% | 403 |
| Cost of funding earning assets | 0.3656% | 5,139 |
| Net interest margin | 5.0846% | 269 |
| Noninterest income to average assets | 8.1368% | 80 |
| Noninterest expense to average assets | 6.4033% | 173 |
| Loan and lease loss provision to assets | 0.1348% | 2,591 |
| Net operating income to assets | 3.6962% | 71 |
| Return on assets (ROA) | 3.5171% | 77 |
| Pretax return on assets | 5.4239% | 51 |
| Return on Equity (ROE) | 23.4415% | 153 |
| Retained earnings to average equity (ytd only) | 0.2503% | 5,865 |
| Net charge-offs to loans | 0.4423% | 1,453 |
| Credit loss provision to net charge-offs | 63.3484% | 3,220 |
| Earnings coverage of net charge-offs (x) | 26.9592% | 1,329 |
| Efficiency ratio | 52.7405% | 6,201 |
| Assets per employee ($millions) | 4.9416% | 2,252 |
| Cash dividends to net income (ytd only)* | 98.9321% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9814% | 1,767 |
| Loan loss allowance to noncurrent loans | 35.5318% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 4.1635% | 746 |
| Noncurrent loans to loans | 5.5763% | 486 |
| Net loans and leases to total assets | 50.5370% | 5,072 |
| Net loans and leases to deposits | 70.3783% | 3,732 |
| Net loans and leases to core deposits | 72.9480% | 3,977 |
| Total domestic deposits to total assets | 71.8077% | 6,508 |
| Equity capital to assets | 14.7306% | 767 |
| Core capital (leverage) ratio | 14.4040% | 759 |
| Tier 1 risk-based capital ratio | 22.5871% | 1,211 |
| Total risk-based capital ratio | 23.8471% | 1,192 |
| Memoranda: | ||
| Average total assets | $138,445,250 | 3,943 |
| Average earning assets | $109,032,000 | 4,331 |
| Average equity | $20,771,750 | 3,102 |
| Average total loans | $66,620,750 | 4,426 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3373% | 487 |
| Cost of funding earning assets | 0.3801% | 5,139 |
| Net interest margin | 4.9572% | 333 |
| Noninterest income to average assets | 11.3218% | 61 |
| Noninterest expense to average assets | 7.0683% | 147 |
| Loan and lease loss provision to assets | 0.0214% | 4,470 |
| Net operating income to assets | 5.1228% | 42 |
| Return on assets (ROA) | 4.8544% | 43 |
| Pretax return on assets | 7.8362% | 32 |
| Return on Equity (ROE) | 32.1694% | 56 |
| Retained earnings to average equity (ytd only) | 1.0121% | 5,497 |
| Net charge-offs to loans | -0.0516% | 6,275 |
| Credit loss provision to net charge-offs | -88.2353% | 5,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5195% | 6,611 |
| Assets per employee ($millions) | 3.2743% | 5,325 |
| Cash dividends to net income (ytd only)* | 96.8539% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1474% | 1,533 |
| Loan loss allowance to noncurrent loans | 36.4715% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 4.3011% | 777 |
| Noncurrent loans to loans | 5.8879% | 500 |
| Net loans and leases to total assets | 48.9071% | 5,235 |
| Net loans and leases to deposits | 69.6116% | 3,769 |
| Net loans and leases to core deposits | 73.0097% | 3,926 |
| Total domestic deposits to total assets | 70.2571% | 6,650 |
| Equity capital to assets | 14.5402% | 816 |
| Core capital (leverage) ratio | 14.3256% | 744 |
| Tier 1 risk-based capital ratio | 22.7973% | 1,165 |
| Total risk-based capital ratio | 24.0623% | 1,144 |
| Memoranda: | ||
| Average total assets | $140,119,330 | 3,947 |
| Average earning assets | $109,456,000 | 4,350 |
| Average equity | $21,144,330 | 3,081 |
| Average total loans | $65,897,330 | 4,470 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1994% | 604 |
| Cost of funding earning assets | 0.4099% | 5,012 |
| Net interest margin | 4.7895% | 410 |
| Noninterest income to average assets | 20.5292% | 40 |
| Noninterest expense to average assets | 9.3284% | 92 |
| Loan and lease loss provision to assets | 0.0424% | 3,895 |
| Net operating income to assets | 9.3765% | 23 |
| Return on assets (ROA) | 8.6213% | 27 |
| Pretax return on assets | 14.0718% | 22 |
| Return on Equity (ROE) | 56.1365% | 23 |
| Retained earnings to average equity (ytd only) | 56.1365% | 14 |
| Net charge-offs to loans | -0.1427% | 6,585 |
| Credit loss provision to net charge-offs | -65.2174% | 5,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5506% | 6,893 |
| Assets per employee ($millions) | 3.1172% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2195% | 1,548 |
| Loan loss allowance to noncurrent loans | 37.1801% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 5.3211% | 657 |
| Noncurrent loans to loans | 5.9696% | 557 |
| Net loans and leases to total assets | 45.5328% | 5,484 |
| Net loans and leases to deposits | 67.4679% | 3,842 |
| Net loans and leases to core deposits | 70.5236% | 4,006 |
| Total domestic deposits to total assets | 67.4882% | 6,818 |
| Equity capital to assets | 16.0903% | 549 |
| Core capital (leverage) ratio | 16.6870% | 384 |
| Tier 1 risk-based capital ratio | 27.9354% | 647 |
| Total risk-based capital ratio | 29.1958% | 630 |
| Memoranda: | ||
| Average total assets | $141,418,000 | 3,957 |
| Average earning assets | $108,321,000 | 4,414 |
| Average equity | $21,718,500 | 3,061 |
| Average total loans | $64,479,000 | 4,541 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 1,476 |
| Cost of funding earning assets | 0.6182% | 4,194 |
| Net interest margin | 4.4130% | 1,138 |
| Noninterest income to average assets | 3.2417% | 229 |
| Noninterest expense to average assets | 5.7365% | 246 |
| Loan and lease loss provision to assets | -0.3735% | 7,026 |
| Net operating income to assets | 0.9255% | 2,673 |
| Return on assets (ROA) | 0.7809% | 3,612 |
| Pretax return on assets | 0.8753% | 4,008 |
| Return on Equity (ROE) | 5.8633% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.8633% | 2,155 |
| Net charge-offs to loans | 0.4487% | 2,434 |
| Credit loss provision to net charge-offs | -192.9825% | 6,389 |
| Earnings coverage of net charge-offs (x) | 3.3404% | 3,771 |
| Efficiency ratio | 89.8723% | 1,080 |
| Assets per employee ($millions) | 1.2340% | 7,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3221% | 1,338 |
| Loan loss allowance to noncurrent loans | 34.6699% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 5.5965% | 660 |
| Noncurrent loans to loans | 6.6976% | 485 |
| Net loans and leases to total assets | 43.5598% | 5,859 |
| Net loans and leases to deposits | 63.4315% | 4,612 |
| Net loans and leases to core deposits | 66.1562% | 4,723 |
| Total domestic deposits to total assets | 68.6722% | 6,833 |
| Equity capital to assets | 14.6043% | 838 |
| Core capital (leverage) ratio | 14.8972% | 590 |
| Tier 1 risk-based capital ratio | 22.3545% | 1,205 |
| Total risk-based capital ratio | 23.6090% | 1,179 |
| Memoranda: | ||
| Average total assets | $147,267,000 | 3,822 |
| Average earning assets | $104,827,200 | 4,472 |
| Average equity | $19,613,600 | 3,244 |
| Average total loans | $63,520,400 | 4,582 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0829% | 1,466 |
| Cost of funding earning assets | 0.6670% | 4,044 |
| Net interest margin | 4.4159% | 1,173 |
| Noninterest income to average assets | 3.1773% | 229 |
| Noninterest expense to average assets | 5.8310% | 232 |
| Loan and lease loss provision to assets | -0.4244% | 7,138 |
| Net operating income to assets | 0.8980% | 2,991 |
| Return on assets (ROA) | 0.7452% | 3,962 |
| Pretax return on assets | 0.7470% | 4,686 |
| Return on Equity (ROE) | 5.7242% | 4,474 |
| Retained earnings to average equity (ytd only) | 5.7242% | 2,881 |
| Net charge-offs to loans | -0.4990% | 7,096 |
| Credit loss provision to net charge-offs | 198.7448% | 1,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4625% | 861 |
| Assets per employee ($millions) | 1.2399% | 7,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1637% | 620 |
| Loan loss allowance to noncurrent loans | 52.0642% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 5.3565% | 806 |
| Noncurrent loans to loans | 6.0766% | 666 |
| Net loans and leases to total assets | 43.4788% | 6,009 |
| Net loans and leases to deposits | 62.2777% | 4,937 |
| Net loans and leases to core deposits | 66.1494% | 4,939 |
| Total domestic deposits to total assets | 69.8145% | 6,852 |
| Equity capital to assets | 13.7835% | 1,238 |
| Core capital (leverage) ratio | 14.1113% | 795 |
| Tier 1 risk-based capital ratio | 21.4552% | 1,429 |
| Total risk-based capital ratio | 22.7148% | 1,402 |
| Memoranda: | ||
| Average total assets | $149,222,500 | 3,833 |
| Average earning assets | $105,737,500 | 4,494 |
| Average equity | $19,425,750 | 3,301 |
| Average total loans | $63,854,000 | 4,626 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0209% | 1,729 |
| Cost of funding earning assets | 0.7259% | 3,800 |
| Net interest margin | 4.2950% | 1,490 |
| Noninterest income to average assets | 3.5160% | 204 |
| Noninterest expense to average assets | 6.1210% | 212 |
| Loan and lease loss provision to assets | -0.6290% | 7,213 |
| Net operating income to assets | 1.0409% | 2,295 |
| Return on assets (ROA) | 0.9032% | 3,164 |
| Pretax return on assets | 0.9032% | 4,066 |
| Return on Equity (ROE) | 7.0699% | 3,743 |
| Retained earnings to average equity (ytd only) | 7.0699% | 2,063 |
| Net charge-offs to loans | -0.5659% | 7,142 |
| Credit loss provision to net charge-offs | 263.8889% | 1,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6955% | 821 |
| Assets per employee ($millions) | 1.2210% | 7,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2087% | 636 |
| Loan loss allowance to noncurrent loans | 47.8764% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 5.8169% | 748 |
| Noncurrent loans to loans | 6.7021% | 602 |
| Net loans and leases to total assets | 41.8921% | 6,193 |
| Net loans and leases to deposits | 61.3356% | 5,087 |
| Net loans and leases to core deposits | 65.6001% | 5,044 |
| Total domestic deposits to total assets | 68.2997% | 6,985 |
| Equity capital to assets | 13.8541% | 1,161 |
| Core capital (leverage) ratio | 13.8795% | 840 |
| Tier 1 risk-based capital ratio | 21.2370% | 1,433 |
| Total risk-based capital ratio | 22.4971% | 1,405 |
| Memoranda: | ||
| Average total assets | $151,022,000 | 3,820 |
| Average earning assets | $106,076,330 | 4,507 |
| Average equity | $19,293,000 | 3,310 |
| Average total loans | $63,613,330 | 4,650 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8633% | 2,383 |
| Cost of funding earning assets | 0.7786% | 3,635 |
| Net interest margin | 4.0848% | 2,157 |
| Noninterest income to average assets | 2.9348% | 252 |
| Noninterest expense to average assets | 5.5370% | 261 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4152% | 5,194 |
| Return on assets (ROA) | 0.0284% | 6,484 |
| Pretax return on assets | -0.1341% | 6,621 |
| Return on Equity (ROE) | 0.2310% | 6,484 |
| Retained earnings to average equity (ytd only) | 0.2310% | 5,906 |
| Net charge-offs to loans | -0.7751% | 7,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6347% | 739 |
| Assets per employee ($millions) | 1.3517% | 7,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8463% | 418 |
| Loan loss allowance to noncurrent loans | 44.5680% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 6.5183% | 688 |
| Noncurrent loans to loans | 8.6303% | 416 |
| Net loans and leases to total assets | 40.4176% | 6,314 |
| Net loans and leases to deposits | 57.7884% | 5,402 |
| Net loans and leases to core deposits | 62.0113% | 5,326 |
| Total domestic deposits to total assets | 69.9408% | 6,981 |
| Equity capital to assets | 12.7810% | 1,559 |
| Core capital (leverage) ratio | 12.9780% | 1,136 |
| Tier 1 risk-based capital ratio | 19.4514% | 1,856 |
| Total risk-based capital ratio | 20.7159% | 1,818 |
| Memoranda: | ||
| Average total assets | $155,103,000 | 3,780 |
| Average earning assets | $108,403,000 | 4,471 |
| Average equity | $19,043,500 | 3,341 |
| Average total loans | $64,504,500 | 4,641 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0686% | 2,570 |
| Cost of funding earning assets | 0.9591% | 3,655 |
| Net interest margin | 4.1095% | 2,392 |
| Noninterest income to average assets | 1.9706% | 386 |
| Noninterest expense to average assets | 5.9170% | 218 |
| Loan and lease loss provision to assets | 0.1707% | 4,501 |
| Net operating income to assets | -0.6676% | 6,589 |
| Return on assets (ROA) | -0.5293% | 6,553 |
| Pretax return on assets | -1.0197% | 6,739 |
| Return on Equity (ROE) | -4.4746% | 6,503 |
| Retained earnings to average equity (ytd only) | -4.4746% | 6,411 |
| Net charge-offs to loans | 0.9416% | 1,844 |
| Credit loss provision to net charge-offs | 45.8136% | 5,515 |
| Earnings coverage of net charge-offs (x) | -2.6493% | 6,309 |
| Efficiency ratio | 120.0287% | 308 |
| Assets per employee ($millions) | 1.4293% | 7,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4267% | 561 |
| Loan loss allowance to noncurrent loans | 42.9757% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 5.9517% | 825 |
| Noncurrent loans to loans | 7.9735% | 503 |
| Net loans and leases to total assets | 39.7663% | 6,556 |
| Net loans and leases to deposits | 55.9306% | 5,903 |
| Net loans and leases to core deposits | 60.3787% | 5,811 |
| Total domestic deposits to total assets | 71.0995% | 6,923 |
| Equity capital to assets | 11.8149% | 2,264 |
| Core capital (leverage) ratio | 11.8579% | 1,679 |
| Tier 1 risk-based capital ratio | 18.5225% | 2,039 |
| Total risk-based capital ratio | 19.7824% | 2,005 |
| Memoranda: | ||
| Average total assets | $169,850,000 | 3,493 |
| Average earning assets | $122,302,200 | 4,086 |
| Average equity | $20,091,000 | 3,128 |
| Average total loans | $67,226,800 | 4,589 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1572% | 2,355 |
| Cost of funding earning assets | 0.9839% | 3,791 |
| Net interest margin | 4.1733% | 2,196 |
| Noninterest income to average assets | 2.0589% | 362 |
| Noninterest expense to average assets | 5.3547% | 276 |
| Loan and lease loss provision to assets | 0.0310% | 6,052 |
| Net operating income to assets | -0.1272% | 6,312 |
| Return on assets (ROA) | -0.0737% | 6,344 |
| Pretax return on assets | -0.2637% | 6,463 |
| Return on Equity (ROE) | -0.6226% | 6,333 |
| Retained earnings to average equity (ytd only) | -0.6226% | 6,089 |
| Net charge-offs to loans | 0.4213% | 3,039 |
| Credit loss provision to net charge-offs | 18.7793% | 5,578 |
| Earnings coverage of net charge-offs (x) | -1.7324% | 6,000 |
| Efficiency ratio | 105.6457% | 510 |
| Assets per employee ($millions) | 1.8739% | 7,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9447% | 408 |
| Loan loss allowance to noncurrent loans | 45.0184% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 6.2710% | 837 |
| Noncurrent loans to loans | 8.7623% | 468 |
| Net loans and leases to total assets | 35.3606% | 6,896 |
| Net loans and leases to deposits | 49.1717% | 6,550 |
| Net loans and leases to core deposits | 52.8928% | 6,517 |
| Total domestic deposits to total assets | 71.9125% | 6,940 |
| Equity capital to assets | 11.8080% | 2,406 |
| Core capital (leverage) ratio | 11.8072% | 1,824 |
| Tier 1 risk-based capital ratio | 19.9416% | 1,702 |
| Total risk-based capital ratio | 21.2077% | 1,669 |
| Memoranda: | ||
| Average total assets | $171,933,500 | 3,483 |
| Average earning assets | $123,991,000 | 4,082 |
| Average equity | $20,343,000 | 3,098 |
| Average total loans | $67,406,500 | 4,616 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2605% | 2,025 |
| Cost of funding earning assets | 1.0316% | 3,734 |
| Net interest margin | 4.2289% | 1,930 |
| Noninterest income to average assets | 2.1257% | 335 |
| Noninterest expense to average assets | 5.3263% | 293 |
| Loan and lease loss provision to assets | 0.0462% | 5,729 |
| Net operating income to assets | -0.0208% | 6,256 |
| Return on assets (ROA) | -0.0670% | 6,372 |
| Pretax return on assets | -0.2416% | 6,490 |
| Return on Equity (ROE) | -0.5662% | 6,365 |
| Retained earnings to average equity (ytd only) | -0.5662% | 5,979 |
| Net charge-offs to loans | 0.5435% | 2,470 |
| Credit loss provision to net charge-offs | 21.2766% | 5,116 |
| Earnings coverage of net charge-offs (x) | -0.6862% | 5,576 |
| Efficiency ratio | 102.8801% | 635 |
| Assets per employee ($millions) | 1.5197% | 7,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6557% | 530 |
| Loan loss allowance to noncurrent loans | 49.3222% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 5.7988% | 985 |
| Noncurrent loans to loans | 7.4119% | 653 |
| Net loans and leases to total assets | 38.6516% | 6,827 |
| Net loans and leases to deposits | 53.8451% | 6,313 |
| Net loans and leases to core deposits | 58.0209% | 6,267 |
| Total domestic deposits to total assets | 71.7830% | 7,023 |
| Equity capital to assets | 12.0429% | 2,059 |
| Core capital (leverage) ratio | 11.5987% | 1,843 |
| Tier 1 risk-based capital ratio | 19.0875% | 1,813 |
| Total risk-based capital ratio | 20.3460% | 1,776 |
| Memoranda: | ||
| Average total assets | $173,028,670 | 3,479 |
| Average earning assets | $124,855,670 | 4,099 |
| Average equity | $20,486,000 | 3,064 |
| Average total loans | $69,180,670 | 4,607 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3713% | 1,670 |
| Cost of funding earning assets | 1.0825% | 3,644 |
| Net interest margin | 4.2888% | 1,592 |
| Noninterest income to average assets | 1.8996% | 388 |
| Noninterest expense to average assets | 5.2169% | 306 |
| Loan and lease loss provision to assets | 0.0913% | 4,868 |
| Net operating income to assets | -0.1210% | 6,478 |
| Return on assets (ROA) | -0.0890% | 6,467 |
| Pretax return on assets | -0.2831% | 6,609 |
| Return on Equity (ROE) | -0.7583% | 6,455 |
| Retained earnings to average equity (ytd only) | -0.7583% | 5,934 |
| Net charge-offs to loans | 1.4528% | 935 |
| Credit loss provision to net charge-offs | 15.7480% | 4,319 |
| Earnings coverage of net charge-offs (x) | -0.3858% | 4,759 |
| Efficiency ratio | 104.4810% | 609 |
| Assets per employee ($millions) | 1.4802% | 7,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5152% | 595 |
| Loan loss allowance to noncurrent loans | 46.8574% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 6.4903% | 858 |
| Noncurrent loans to loans | 7.5020% | 694 |
| Net loans and leases to total assets | 38.4934% | 6,875 |
| Net loans and leases to deposits | 53.0445% | 6,384 |
| Net loans and leases to core deposits | 57.4351% | 6,311 |
| Total domestic deposits to total assets | 72.5682% | 7,031 |
| Equity capital to assets | 11.9696% | 1,934 |
| Core capital (leverage) ratio | 11.4019% | 1,908 |
| Tier 1 risk-based capital ratio | 18.5907% | 1,929 |
| Total risk-based capital ratio | 19.8530% | 1,879 |
| Memoranda: | ||
| Average total assets | $175,198,500 | 3,464 |
| Average earning assets | $126,376,000 | 4,101 |
| Average equity | $20,571,500 | 3,044 |
| Average total loans | $69,933,500 | 4,622 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3781% | 2,774 |
| Cost of funding earning assets | 1.6023% | 2,057 |
| Net interest margin | 3.7758% | 4,052 |
| Noninterest income to average assets | 3.0481% | 228 |
| Noninterest expense to average assets | 4.9587% | 424 |
| Loan and lease loss provision to assets | 1.2006% | 1,305 |
| Net operating income to assets | -0.1344% | 6,031 |
| Return on assets (ROA) | -0.1203% | 6,068 |
| Pretax return on assets | -0.3214% | 6,180 |
| Return on Equity (ROE) | -1.1356% | 6,073 |
| Retained earnings to average equity (ytd only) | -1.1356% | 5,823 |
| Net charge-offs to loans | 4.3799% | 259 |
| Credit loss provision to net charge-offs | 68.7102% | 5,900 |
| Earnings coverage of net charge-offs (x) | 0.4951% | 5,617 |
| Efficiency ratio | 85.1453% | 1,789 |
| Assets per employee ($millions) | 1.6546% | 7,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6741% | 520 |
| Loan loss allowance to noncurrent loans | 53.5649% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 6.1334% | 958 |
| Noncurrent loans to loans | 6.8591% | 837 |
| Net loans and leases to total assets | 38.4695% | 7,054 |
| Net loans and leases to deposits | 56.0815% | 6,443 |
| Net loans and leases to core deposits | 61.0832% | 6,309 |
| Total domestic deposits to total assets | 68.5957% | 7,304 |
| Equity capital to assets | 11.5230% | 2,241 |
| Core capital (leverage) ratio | 11.0075% | 2,159 |
| Tier 1 risk-based capital ratio | 18.1603% | 1,949 |
| Total risk-based capital ratio | 19.4248% | 1,909 |
| Memoranda: | ||
| Average total assets | $197,893,600 | 3,127 |
| Average earning assets | $145,478,200 | 3,721 |
| Average equity | $20,958,200 | 3,013 |
| Average total loans | $78,950,800 | 4,369 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3846% | 2,950 |
| Cost of funding earning assets | 1.7446% | 1,652 |
| Net interest margin | 3.6400% | 4,674 |
| Noninterest income to average assets | 3.1956% | 210 |
| Noninterest expense to average assets | 4.9170% | 404 |
| Loan and lease loss provision to assets | 0.2750% | 4,386 |
| Net operating income to assets | 0.4835% | 4,390 |
| Return on assets (ROA) | 0.5012% | 4,498 |
| Pretax return on assets | 0.7032% | 4,218 |
| Return on Equity (ROE) | 4.8265% | 4,386 |
| Retained earnings to average equity (ytd only) | 4.8265% | 3,105 |
| Net charge-offs to loans | 2.1917% | 828 |
| Credit loss provision to net charge-offs | 31.4522% | 6,138 |
| Earnings coverage of net charge-offs (x) | 1.0986% | 4,957 |
| Efficiency ratio | 83.6598% | 1,872 |
| Assets per employee ($millions) | 1.8029% | 7,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7465% | 452 |
| Loan loss allowance to noncurrent loans | 49.1034% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 7.8538% | 650 |
| Noncurrent loans to loans | 7.6299% | 703 |
| Net loans and leases to total assets | 37.5479% | 7,206 |
| Net loans and leases to deposits | 52.8531% | 6,845 |
| Net loans and leases to core deposits | 57.6312% | 6,752 |
| Total domestic deposits to total assets | 71.0421% | 7,214 |
| Equity capital to assets | 11.3702% | 2,632 |
| Core capital (leverage) ratio | 10.6829% | 2,523 |
| Tier 1 risk-based capital ratio | 18.1868% | 1,972 |
| Total risk-based capital ratio | 19.4464% | 1,927 |
| Memoranda: | ||
| Average total assets | $202,693,250 | 3,105 |
| Average earning assets | $149,335,250 | 3,695 |
| Average equity | $21,050,000 | 3,046 |
| Average total loans | $80,847,250 | 4,390 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3563% | 3,183 |
| Cost of funding earning assets | 1.7964% | 1,655 |
| Net interest margin | 3.5599% | 4,999 |
| Noninterest income to average assets | 3.6600% | 182 |
| Noninterest expense to average assets | 4.9527% | 389 |
| Loan and lease loss provision to assets | 0.4047% | 3,291 |
| Net operating income to assets | 0.6284% | 3,739 |
| Return on assets (ROA) | 0.6565% | 3,754 |
| Pretax return on assets | 0.9576% | 3,285 |
| Return on Equity (ROE) | 6.5118% | 3,543 |
| Retained earnings to average equity (ytd only) | 6.5118% | 2,068 |
| Net charge-offs to loans | 0.7378% | 2,388 |
| Credit loss provision to net charge-offs | 136.6013% | 2,934 |
| Earnings coverage of net charge-offs (x) | 4.5033% | 2,936 |
| Efficiency ratio | 78.7771% | 2,607 |
| Assets per employee ($millions) | 1.7852% | 7,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8108% | 200 |
| Loan loss allowance to noncurrent loans | 77.2626% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 7.3334% | 701 |
| Noncurrent loans to loans | 6.2265% | 1,000 |
| Net loans and leases to total assets | 37.7630% | 7,278 |
| Net loans and leases to deposits | 51.8799% | 6,984 |
| Net loans and leases to core deposits | 63.6397% | 6,432 |
| Total domestic deposits to total assets | 72.7893% | 7,118 |
| Equity capital to assets | 10.8664% | 3,003 |
| Core capital (leverage) ratio | 10.2260% | 2,911 |
| Tier 1 risk-based capital ratio | 17.4767% | 2,106 |
| Total risk-based capital ratio | 18.7468% | 2,066 |
| Memoranda: | ||
| Average total assets | $206,556,000 | 3,085 |
| Average earning assets | $152,418,330 | 3,662 |
| Average equity | $20,823,670 | 3,059 |
| Average total loans | $82,946,670 | 4,353 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5851% | 2,219 |
| Cost of funding earning assets | 1.8349% | 1,722 |
| Net interest margin | 3.7502% | 4,007 |
| Noninterest income to average assets | 2.2491% | 288 |
| Noninterest expense to average assets | 5.4817% | 277 |
| Loan and lease loss provision to assets | 0.7967% | 1,591 |
| Net operating income to assets | -0.6957% | 6,954 |
| Return on assets (ROA) | -0.6404% | 6,954 |
| Pretax return on assets | -1.2160% | 7,155 |
| Return on Equity (ROE) | -6.5973% | 6,962 |
| Retained earnings to average equity (ytd only) | -6.5973% | 6,700 |
| Net charge-offs to loans | 0.6843% | 2,123 |
| Credit loss provision to net charge-offs | 288.2759% | 1,365 |
| Earnings coverage of net charge-offs (x) | -1.7172% | 5,448 |
| Efficiency ratio | 109.4785% | 613 |
| Assets per employee ($millions) | 1.8801% | 7,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7728% | 210 |
| Loan loss allowance to noncurrent loans | 80.0362% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 8.3698% | 578 |
| Noncurrent loans to loans | 5.9633% | 1,105 |
| Net loans and leases to total assets | 38.7204% | 7,321 |
| Net loans and leases to deposits | 55.3360% | 6,822 |
| Net loans and leases to core deposits | 68.2267% | 6,075 |
| Total domestic deposits to total assets | 69.9734% | 7,408 |
| Equity capital to assets | 9.9006% | 3,993 |
| Core capital (leverage) ratio | 9.5047% | 3,763 |
| Tier 1 risk-based capital ratio | 15.6656% | 2,797 |
| Total risk-based capital ratio | 16.9317% | 2,737 |
| Memoranda: | ||
| Average total assets | $209,860,500 | 3,102 |
| Average earning assets | $154,338,000 | 3,682 |
| Average equity | $20,372,000 | 3,157 |
| Average total loans | $84,759,000 | 4,358 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1212% | 5,996 |
| Cost of funding earning assets | 2.3125% | 1,606 |
| Net interest margin | 2.8088% | 7,044 |
| Noninterest income to average assets | 1.9862% | 379 |
| Noninterest expense to average assets | 4.7882% | 613 |
| Loan and lease loss provision to assets | 3.4245% | 459 |
| Net operating income to assets | -2.3970% | 7,226 |
| Return on assets (ROA) | -2.3930% | 7,236 |
| Pretax return on assets | -4.0708% | 7,543 |
| Return on Equity (ROE) | -23.4306% | 7,248 |
| Retained earnings to average equity (ytd only) | -23.4306% | 7,220 |
| Net charge-offs to loans | 7.9675% | 84 |
| Credit loss provision to net charge-offs | 97.1677% | 5,718 |
| Earnings coverage of net charge-offs (x) | -0.1845% | 6,426 |
| Efficiency ratio | 115.7178% | 676 |
| Assets per employee ($millions) | 1.8358% | 7,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2974% | 296 |
| Loan loss allowance to noncurrent loans | 42.8357% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 8.0980% | 549 |
| Noncurrent loans to loans | 10.0323% | 409 |
| Net loans and leases to total assets | 38.4035% | 7,434 |
| Net loans and leases to deposits | 53.9430% | 7,054 |
| Net loans and leases to core deposits | 81.5332% | 5,951 |
| Total domestic deposits to total assets | 71.1927% | 7,318 |
| Equity capital to assets | 9.5231% | 4,387 |
| Core capital (leverage) ratio | 9.4381% | 3,790 |
| Tier 1 risk-based capital ratio | 15.8245% | 2,594 |
| Total risk-based capital ratio | 17.0912% | 2,524 |
| Memoranda: | ||
| Average total assets | $225,408,400 | 2,871 |
| Average earning assets | $172,672,800 | 3,312 |
| Average equity | $23,021,200 | 2,825 |
| Average total loans | $99,705,000 | 3,961 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1290% | 6,172 |
| Cost of funding earning assets | 2.3980% | 1,640 |
| Net interest margin | 2.7310% | 7,167 |
| Noninterest income to average assets | 1.9731% | 381 |
| Noninterest expense to average assets | 4.4618% | 773 |
| Loan and lease loss provision to assets | 2.9114% | 521 |
| Net operating income to assets | -2.0193% | 7,327 |
| Return on assets (ROA) | -2.0696% | 7,347 |
| Pretax return on assets | -3.3411% | 7,579 |
| Return on Equity (ROE) | -19.9465% | 7,368 |
| Retained earnings to average equity (ytd only) | -19.9465% | 7,333 |
| Net charge-offs to loans | 7.6299% | 88 |
| Credit loss provision to net charge-offs | 84.4211% | 5,642 |
| Earnings coverage of net charge-offs (x) | -0.1100% | 6,198 |
| Efficiency ratio | 109.2940% | 778 |
| Assets per employee ($millions) | 1.3533% | 8,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2314% | 546 |
| Loan loss allowance to noncurrent loans | 23.9535% | 6,844 |
| Noncurrent assets plus other real estate owned to assets | 9.8177% | 356 |
| Noncurrent loans to loans | 13.4902% | 199 |
| Net loans and leases to total assets | 42.1549% | 7,355 |
| Net loans and leases to deposits | 61.7627% | 6,698 |
| Net loans and leases to core deposits | 98.6808% | 4,525 |
| Total domestic deposits to total assets | 68.2530% | 7,551 |
| Equity capital to assets | 10.3728% | 3,652 |
| Core capital (leverage) ratio | 9.9178% | 3,379 |
| Tier 1 risk-based capital ratio | 16.3982% | 2,474 |
| Total risk-based capital ratio | 17.6464% | 2,417 |
| Memoranda: | ||
| Average total assets | $228,062,250 | 2,864 |
| Average earning assets | $176,143,250 | 3,289 |
| Average equity | $23,662,750 | 2,792 |
| Average total loans | $103,083,250 | 3,902 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1647% | 6,209 |
| Cost of funding earning assets | 2.4873% | 1,658 |
| Net interest margin | 2.6774% | 7,250 |
| Noninterest income to average assets | 1.4613% | 695 |
| Noninterest expense to average assets | 4.3091% | 938 |
| Loan and lease loss provision to assets | 1.2852% | 1,332 |
| Net operating income to assets | -1.2568% | 7,138 |
| Return on assets (ROA) | -1.2955% | 7,169 |
| Pretax return on assets | -2.0901% | 7,313 |
| Return on Equity (ROE) | -12.4850% | 7,199 |
| Retained earnings to average equity (ytd only) | -12.4850% | 7,084 |
| Net charge-offs to loans | 4.3480% | 307 |
| Credit loss provision to net charge-offs | 64.6779% | 5,515 |
| Earnings coverage of net charge-offs (x) | -0.3856% | 6,013 |
| Efficiency ratio | 121.6295% | 638 |
| Assets per employee ($millions) | 1.5157% | 8,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0700% | 531 |
| Loan loss allowance to noncurrent loans | 41.6767% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 9.3872% | 343 |
| Noncurrent loans to loans | 7.3663% | 644 |
| Net loans and leases to total assets | 43.7999% | 7,345 |
| Net loans and leases to deposits | 63.8252% | 6,579 |
| Net loans and leases to core deposits | 90.0761% | 5,528 |
| Total domestic deposits to total assets | 68.6248% | 7,578 |
| Equity capital to assets | 10.6153% | 3,283 |
| Core capital (leverage) ratio | 10.5738% | 2,747 |
| Tier 1 risk-based capital ratio | 17.1567% | 2,249 |
| Total risk-based capital ratio | 18.4100% | 2,188 |
| Memoranda: | ||
| Average total assets | $232,807,000 | 2,828 |
| Average earning assets | $180,999,330 | 3,248 |
| Average equity | $24,157,000 | 2,736 |
| Average total loans | $106,394,670 | 3,845 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 7,041 |
| Cost of funding earning assets | 2.5692% | 1,662 |
| Net interest margin | 2.3885% | 7,631 |
| Noninterest income to average assets | 1.3888% | 731 |
| Noninterest expense to average assets | 3.9233% | 1,278 |
| Loan and lease loss provision to assets | 1.7178% | 724 |
| Net operating income to assets | -1.3769% | 7,453 |
| Return on assets (ROA) | -1.4056% | 7,474 |
| Pretax return on assets | -2.4080% | 7,645 |
| Return on Equity (ROE) | -13.6956% | 7,551 |
| Retained earnings to average equity (ytd only) | -13.6956% | 7,364 |
| Net charge-offs to loans | 7.1069% | 116 |
| Credit loss provision to net charge-offs | 52.6098% | 4,634 |
| Earnings coverage of net charge-offs (x) | -0.2026% | 5,134 |
| Efficiency ratio | 120.2794% | 624 |
| Assets per employee ($millions) | 1.7555% | 8,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8326% | 563 |
| Loan loss allowance to noncurrent loans | 49.6866% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 6.0802% | 647 |
| Noncurrent loans to loans | 5.7010% | 870 |
| Net loans and leases to total assets | 43.9219% | 7,345 |
| Net loans and leases to deposits | 63.3933% | 6,611 |
| Net loans and leases to core deposits | 85.0246% | 5,977 |
| Total domestic deposits to total assets | 69.2847% | 7,487 |
| Equity capital to assets | 10.3644% | 3,598 |
| Core capital (leverage) ratio | 10.7153% | 2,724 |
| Tier 1 risk-based capital ratio | 16.6990% | 2,449 |
| Total risk-based capital ratio | 17.9570% | 2,376 |
| Memoranda: | ||
| Average total assets | $237,047,000 | 2,802 |
| Average earning assets | $185,893,000 | 3,213 |
| Average equity | $24,329,000 | 2,729 |
| Average total loans | $108,908,500 | 3,817 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8327% | 6,326 |
| Cost of funding earning assets | 3.2051% | 1,174 |
| Net interest margin | 2.6276% | 7,609 |
| Noninterest income to average assets | 2.2114% | 295 |
| Noninterest expense to average assets | 4.4052% | 954 |
| Loan and lease loss provision to assets | 4.7906% | 119 |
| Net operating income to assets | -3.5098% | 7,914 |
| Return on assets (ROA) | -3.5098% | 7,894 |
| Pretax return on assets | -4.9091% | 8,013 |
| Return on Equity (ROE) | -29.7172% | 7,954 |
| Retained earnings to average equity (ytd only) | -29.7172% | 7,905 |
| Net charge-offs to loans | 8.0548% | 27 |
| Credit loss provision to net charge-offs | 107.5230% | 4,993 |
| Earnings coverage of net charge-offs (x) | -0.0266% | 6,261 |
| Efficiency ratio | 102.7654% | 896 |
| Assets per employee ($millions) | 1.6940% | 8,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5243% | 270 |
| Loan loss allowance to noncurrent loans | 29.5948% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 7.5945% | 320 |
| Noncurrent loans to loans | 11.9084% | 133 |
| Net loans and leases to total assets | 45.0292% | 7,406 |
| Net loans and leases to deposits | 64.7637% | 6,731 |
| Net loans and leases to core deposits | 79.3214% | 6,666 |
| Total domestic deposits to total assets | 69.5285% | 7,331 |
| Equity capital to assets | 10.1639% | 3,849 |
| Core capital (leverage) ratio | 10.0350% | 3,413 |
| Tier 1 risk-based capital ratio | 15.9490% | 2,684 |
| Total risk-based capital ratio | 17.1919% | 2,629 |
| Memoranda: | ||
| Average total assets | $215,110,200 | 2,940 |
| Average earning assets | $169,886,600 | 3,336 |
| Average equity | $25,406,200 | 2,610 |
| Average total loans | $118,985,000 | 3,492 |