Home > Nebraska Bank of Commerce > Performance and Condition Ratios
Nebraska Bank of Commerce, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5475% | 1,102 |
| Cost of funding earning assets | 2.2553% | 588 |
| Net interest margin | 3.2922% | 2,656 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.2841% | 2,888 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.7064% | 3,180 |
| Return on assets (ROA) | 0.7064% | 3,153 |
| Pretax return on assets | 0.9502% | 2,815 |
| Return on Equity (ROE) | 6.7000% | 3,363 |
| Retained earnings to average equity (ytd only) | 6.7046% | 1,987 |
| Net charge-offs to loans | -0.0093% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.9104% | 2,240 |
| Assets per employee ($millions) | 7.3797% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,038 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 87.3800% | 105 |
| Net loans and leases to deposits | 108.8048% | 223 |
| Net loans and leases to core deposits | 134.9260% | 336 |
| Total domestic deposits to total assets | 80.3100% | 3,415 |
| Equity capital to assets | 10.2356% | 1,878 |
| Core capital (leverage) ratio | 10.5023% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1992% | 2,168 |
| Memoranda: | ||
| Average total assets | $172,277,200 | 3,180 |
| Average earning assets | $167,913,800 | 3,115 |
| Average equity | $18,151,600 | 2,996 |
| Average total loans | $151,218,000 | 2,666 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4046% | 1,128 |
| Cost of funding earning assets | 2.0109% | 695 |
| Net interest margin | 3.3937% | 2,467 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.3495% | 2,657 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 0.6982% | 3,331 |
| Return on assets (ROA) | 0.6982% | 3,310 |
| Pretax return on assets | 0.9160% | 3,062 |
| Return on Equity (ROE) | 6.6000% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.5951% | 2,434 |
| Net charge-offs to loans | -0.0126% | 3,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.8913% | 2,161 |
| Assets per employee ($millions) | 6.9103% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4454% | 1,272 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 87.7400% | 92 |
| Net loans and leases to deposits | 108.8273% | 228 |
| Net loans and leases to core deposits | 135.2862% | 275 |
| Total domestic deposits to total assets | 80.6200% | 3,443 |
| Equity capital to assets | 10.2405% | 1,677 |
| Core capital (leverage) ratio | 10.5830% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2246% | 2,191 |
| Memoranda: | ||
| Average total assets | $168,997,750 | 3,207 |
| Average earning assets | $164,694,750 | 3,148 |
| Average equity | $17,891,750 | 3,012 |
| Average total loans | $148,210,000 | 2,694 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2894% | 1,096 |
| Cost of funding earning assets | 1.7404% | 828 |
| Net interest margin | 3.5490% | 2,155 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.4105% | 2,448 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 0.7858% | 3,120 |
| Return on assets (ROA) | 0.7858% | 3,134 |
| Pretax return on assets | 1.0239% | 2,848 |
| Return on Equity (ROE) | 7.3400% | 3,406 |
| Retained earnings to average equity (ytd only) | 7.3352% | 2,179 |
| Net charge-offs to loans | -0.0194% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.1579% | 2,217 |
| Assets per employee ($millions) | 6.6228% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 1,313 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 85.1800% | 194 |
| Net loans and leases to deposits | 101.4932% | 453 |
| Net loans and leases to core deposits | 124.3451% | 424 |
| Total domestic deposits to total assets | 83.9300% | 2,835 |
| Equity capital to assets | 10.5399% | 1,583 |
| Core capital (leverage) ratio | 10.8970% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8719% | 1,947 |
| Memoranda: | ||
| Average total assets | $165,440,667 | 3,242 |
| Average earning assets | $161,115,667 | 3,182 |
| Average equity | $17,722,667 | 3,045 |
| Average total loans | $144,294,333 | 2,722 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1152% | 1,070 |
| Cost of funding earning assets | 1.3923% | 1,037 |
| Net interest margin | 3.7229% | 1,843 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.5175% | 2,206 |
| Loan and lease loss provision to assets | 0.3500% | 235 |
| Net operating income to assets | 0.7232% | 3,415 |
| Return on assets (ROA) | 0.7232% | 3,370 |
| Pretax return on assets | 0.9404% | 3,149 |
| Return on Equity (ROE) | 6.6900% | 3,590 |
| Retained earnings to average equity (ytd only) | 6.6935% | 2,587 |
| Net charge-offs to loans | -0.0028% | 3,498 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.0622% | 2,199 |
| Assets per employee ($millions) | 6.4301% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 1,435 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 86.5200% | 121 |
| Net loans and leases to deposits | 112.5059% | 146 |
| Net loans and leases to core deposits | 135.1781% | 227 |
| Total domestic deposits to total assets | 76.9000% | 4,088 |
| Equity capital to assets | 10.5776% | 1,524 |
| Core capital (leverage) ratio | 11.3190% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7391% | 2,069 |
| Memoranda: | ||
| Average total assets | $162,064,500 | 3,321 |
| Average earning assets | $157,725,000 | 3,251 |
| Average equity | $17,509,500 | 3,090 |
| Average total loans | $142,015,500 | 2,782 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 1,189 |
| Cost of funding earning assets | 0.6292% | 788 |
| Net interest margin | 3.6024% | 1,636 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.6607% | 1,649 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8481% | 3,158 |
| Return on assets (ROA) | 0.8481% | 3,090 |
| Pretax return on assets | 1.1159% | 2,717 |
| Return on Equity (ROE) | 7.8000% | 3,434 |
| Retained earnings to average equity (ytd only) | 7.7992% | 1,917 |
| Net charge-offs to loans | 0.3499% | 215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 3.7338% | 2,453 |
| Efficiency ratio | 70.4522% | 1,628 |
| Assets per employee ($millions) | 6.0364% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 1,352 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 86.1900% | 142 |
| Net loans and leases to deposits | 109.4578% | 165 |
| Net loans and leases to core deposits | 125.2584% | 287 |
| Total domestic deposits to total assets | 78.7400% | 4,026 |
| Equity capital to assets | 11.0452% | 1,238 |
| Core capital (leverage) ratio | 11.5772% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0450% | 1,964 |
| Memoranda: | ||
| Average total assets | $154,582,800 | 3,398 |
| Average earning assets | $151,150,800 | 3,317 |
| Average equity | $16,809,400 | 3,220 |
| Average total loans | $132,046,800 | 2,803 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9820% | 1,301 |
| Cost of funding earning assets | 0.5465% | 589 |
| Net interest margin | 3.4355% | 1,850 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.6650% | 1,547 |
| Loan and lease loss provision to assets | -0.1900% | 4,671 |
| Net operating income to assets | 0.8840% | 2,946 |
| Return on assets (ROA) | 0.8840% | 2,916 |
| Pretax return on assets | 1.1836% | 2,432 |
| Return on Equity (ROE) | 8.1600% | 3,278 |
| Retained earnings to average equity (ytd only) | 8.1622% | 1,940 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.9384% | 1,388 |
| Assets per employee ($millions) | 5.7151% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 977 |
| Loan loss allowance to noncurrent loans | 22,220.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 3,944 |
| Noncurrent loans to loans | 0.0074% | 3,898 |
| Net loans and leases to total assets | 86.1100% | 112 |
| Net loans and leases to deposits | 106.9605% | 176 |
| Net loans and leases to core deposits | 120.5881% | 250 |
| Total domestic deposits to total assets | 80.5100% | 4,054 |
| Equity capital to assets | 11.0681% | 1,153 |
| Core capital (leverage) ratio | 11.5821% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0979% | 2,021 |
| Memoranda: | ||
| Average total assets | $153,992,000 | 3,429 |
| Average earning assets | $150,774,750 | 3,342 |
| Average equity | $16,678,000 | 3,261 |
| Average total loans | $130,745,250 | 2,820 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8023% | 1,309 |
| Cost of funding earning assets | 0.5333% | 433 |
| Net interest margin | 3.2690% | 1,997 |
| Noninterest income to average assets | 0.2924% | 3,414 |
| Noninterest expense to average assets | 2.6903% | 1,414 |
| Loan and lease loss provision to assets | -0.1949% | 4,677 |
| Net operating income to assets | 0.7681% | 3,075 |
| Return on assets (ROA) | 0.7681% | 3,039 |
| Pretax return on assets | 0.9994% | 2,738 |
| Return on Equity (ROE) | 7.1444% | 3,269 |
| Retained earnings to average equity (ytd only) | 7.1444% | 1,939 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9803% | 1,176 |
| Assets per employee ($millions) | 5.6075% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 873 |
| Loan loss allowance to noncurrent loans | 20,872.7273% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,970 |
| Noncurrent loans to loans | 0.0084% | 3,932 |
| Net loans and leases to total assets | 85.0822% | 130 |
| Net loans and leases to deposits | 103.8797% | 172 |
| Net loans and leases to core deposits | 115.1766% | 259 |
| Total domestic deposits to total assets | 81.9046% | 4,014 |
| Equity capital to assets | 10.9192% | 1,248 |
| Core capital (leverage) ratio | 11.0735% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2937% | 1,940 |
| Memoranda: | ||
| Average total assets | $153,886,333 | 3,463 |
| Average earning assets | $150,750,333 | 3,392 |
| Average equity | $16,544,333 | 3,354 |
| Average total loans | $129,294,333 | 2,853 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6606% | 1,365 |
| Cost of funding earning assets | 0.5421% | 389 |
| Net interest margin | 3.1185% | 2,114 |
| Noninterest income to average assets | 0.2785% | 3,475 |
| Noninterest expense to average assets | 2.6559% | 1,462 |
| Loan and lease loss provision to assets | -0.1934% | 4,684 |
| Net operating income to assets | 0.6627% | 3,185 |
| Return on assets (ROA) | 0.6627% | 3,166 |
| Pretax return on assets | 0.8715% | 2,882 |
| Return on Equity (ROE) | 6.2113% | 3,288 |
| Retained earnings to average equity (ytd only) | 6.2113% | 2,173 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6597% | 1,175 |
| Assets per employee ($millions) | 5.4362% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8210% | 850 |
| Loan loss allowance to noncurrent loans | 19,766.6667% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,998 |
| Noncurrent loans to loans | 0.0092% | 3,955 |
| Net loans and leases to total assets | 84.0171% | 85 |
| Net loans and leases to deposits | 103.3823% | 123 |
| Net loans and leases to core deposits | 115.6723% | 180 |
| Total domestic deposits to total assets | 81.2684% | 4,173 |
| Equity capital to assets | 10.9577% | 1,345 |
| Core capital (leverage) ratio | 10.6682% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0512% | 2,179 |
| Memoranda: | ||
| Average total assets | $155,128,000 | 3,470 |
| Average earning assets | $151,995,000 | 3,387 |
| Average equity | $16,550,500 | 3,432 |
| Average total loans | $128,385,000 | 2,867 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 1,664 |
| Cost of funding earning assets | 0.6453% | 431 |
| Net interest margin | 3.2377% | 2,497 |
| Noninterest income to average assets | 0.5025% | 2,555 |
| Noninterest expense to average assets | 2.8396% | 1,270 |
| Loan and lease loss provision to assets | -0.0671% | 4,429 |
| Net operating income to assets | 0.6808% | 3,669 |
| Return on assets (ROA) | 0.6808% | 3,723 |
| Pretax return on assets | 0.8956% | 3,520 |
| Return on Equity (ROE) | 6.7694% | 3,579 |
| Retained earnings to average equity (ytd only) | 6.7694% | 2,011 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4137% | 1,001 |
| Assets per employee ($millions) | 5.4498% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9334% | 684 |
| Loan loss allowance to noncurrent loans | 17,471.4286% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,066 |
| Noncurrent loans to loans | 0.0111% | 4,010 |
| Net loans and leases to total assets | 78.5021% | 350 |
| Net loans and leases to deposits | 97.8053% | 257 |
| Net loans and leases to core deposits | 110.3112% | 280 |
| Total domestic deposits to total assets | 80.2636% | 4,197 |
| Equity capital to assets | 10.3908% | 2,279 |
| Core capital (leverage) ratio | 10.6742% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6853% | 1,982 |
| Memoranda: | ||
| Average total assets | $156,429,800 | 3,431 |
| Average earning assets | $152,948,400 | 3,347 |
| Average equity | $15,732,600 | 3,569 |
| Average total loans | $127,142,800 | 2,890 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 2,051 |
| Cost of funding earning assets | 0.6673% | 455 |
| Net interest margin | 3.1153% | 3,015 |
| Noninterest income to average assets | 0.4751% | 2,733 |
| Noninterest expense to average assets | 2.5585% | 1,960 |
| Loan and lease loss provision to assets | -0.0513% | 4,462 |
| Net operating income to assets | 0.7571% | 3,635 |
| Return on assets (ROA) | 0.7571% | 3,697 |
| Pretax return on assets | 1.0118% | 3,420 |
| Return on Equity (ROE) | 7.5918% | 3,510 |
| Retained earnings to average equity (ytd only) | 7.5918% | 2,181 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7052% | 1,341 |
| Assets per employee ($millions) | 5.5187% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9085% | 753 |
| Loan loss allowance to noncurrent loans | 17,792.8571% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 4,179 |
| Noncurrent loans to loans | 0.0107% | 4,129 |
| Net loans and leases to total assets | 82.8538% | 149 |
| Net loans and leases to deposits | 103.7386% | 157 |
| Net loans and leases to core deposits | 115.0192% | 240 |
| Total domestic deposits to total assets | 79.8679% | 4,246 |
| Equity capital to assets | 10.5116% | 2,452 |
| Core capital (leverage) ratio | 10.6220% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0070% | 1,968 |
| Memoranda: | ||
| Average total assets | $156,026,500 | 3,466 |
| Average earning assets | $152,446,500 | 3,384 |
| Average equity | $15,560,250 | 3,624 |
| Average total loans | $127,300,250 | 2,921 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7719% | 2,141 |
| Cost of funding earning assets | 0.6981% | 471 |
| Net interest margin | 3.0739% | 3,104 |
| Noninterest income to average assets | 0.4728% | 2,742 |
| Noninterest expense to average assets | 2.4469% | 2,320 |
| Loan and lease loss provision to assets | -0.0192% | 4,428 |
| Net operating income to assets | 0.7935% | 3,531 |
| Return on assets (ROA) | 0.7935% | 3,601 |
| Pretax return on assets | 1.0439% | 3,347 |
| Return on Equity (ROE) | 8.1004% | 3,384 |
| Retained earnings to average equity (ytd only) | 8.1004% | 2,043 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4821% | 1,581 |
| Assets per employee ($millions) | 5.6122% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9983% | 609 |
| Loan loss allowance to noncurrent loans | 16,913.3333% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 4,244 |
| Noncurrent loans to loans | 0.0118% | 4,183 |
| Net loans and leases to total assets | 79.1781% | 366 |
| Net loans and leases to deposits | 98.5037% | 300 |
| Net loans and leases to core deposits | 108.7719% | 394 |
| Total domestic deposits to total assets | 80.3808% | 4,170 |
| Equity capital to assets | 10.1679% | 2,706 |
| Core capital (leverage) ratio | 10.1191% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8103% | 2,043 |
| Memoranda: | ||
| Average total assets | $156,527,333 | 3,464 |
| Average earning assets | $152,706,333 | 3,386 |
| Average equity | $15,332,667 | 3,646 |
| Average total loans | $126,227,000 | 2,946 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7188% | 2,321 |
| Cost of funding earning assets | 0.7280% | 495 |
| Net interest margin | 2.9908% | 3,284 |
| Noninterest income to average assets | 0.4865% | 2,669 |
| Noninterest expense to average assets | 2.3659% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7835% | 3,474 |
| Return on assets (ROA) | 0.7835% | 3,539 |
| Pretax return on assets | 1.0344% | 3,276 |
| Return on Equity (ROE) | 8.1546% | 3,278 |
| Retained earnings to average equity (ytd only) | 8.1546% | 2,189 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5783% | 1,752 |
| Assets per employee ($millions) | 5.6641% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9926% | 603 |
| Loan loss allowance to noncurrent loans | 15,011.7647% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 4,307 |
| Noncurrent loans to loans | 0.0133% | 4,241 |
| Net loans and leases to total assets | 79.1475% | 390 |
| Net loans and leases to deposits | 98.7865% | 322 |
| Net loans and leases to core deposits | 109.2958% | 433 |
| Total domestic deposits to total assets | 80.1198% | 4,189 |
| Equity capital to assets | 9.8761% | 2,824 |
| Core capital (leverage) ratio | 9.9654% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6481% | 2,019 |
| Memoranda: | ||
| Average total assets | $156,220,000 | 3,471 |
| Average earning assets | $152,200,500 | 3,393 |
| Average equity | $15,010,000 | 3,685 |
| Average total loans | $125,861,000 | 2,949 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 2,109 |
| Cost of funding earning assets | 1.2280% | 252 |
| Net interest margin | 2.9815% | 3,932 |
| Noninterest income to average assets | 0.4456% | 2,886 |
| Noninterest expense to average assets | 2.3424% | 3,291 |
| Loan and lease loss provision to assets | 0.3123% | 1,193 |
| Net operating income to assets | 0.5428% | 3,923 |
| Return on assets (ROA) | 0.5428% | 4,022 |
| Pretax return on assets | 0.6976% | 3,885 |
| Return on Equity (ROE) | 6.1411% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.1411% | 1,737 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8731% | 1,965 |
| Assets per employee ($millions) | 5.6980% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0640% | 520 |
| Loan loss allowance to noncurrent loans | 14,177.7778% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 4,362 |
| Noncurrent loans to loans | 0.0146% | 4,311 |
| Net loans and leases to total assets | 78.7117% | 526 |
| Net loans and leases to deposits | 97.9463% | 463 |
| Net loans and leases to core deposits | 108.5461% | 555 |
| Total domestic deposits to total assets | 80.3621% | 3,989 |
| Equity capital to assets | 9.3321% | 3,763 |
| Core capital (leverage) ratio | 9.0330% | 3,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5665% | 2,417 |
| Memoranda: | ||
| Average total assets | $157,529,000 | 3,312 |
| Average earning assets | $153,582,200 | 3,228 |
| Average equity | $13,922,600 | 3,768 |
| Average total loans | $132,933,600 | 2,831 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 1,913 |
| Cost of funding earning assets | 1.3142% | 234 |
| Net interest margin | 3.0603% | 3,840 |
| Noninterest income to average assets | 0.3854% | 3,156 |
| Noninterest expense to average assets | 2.2947% | 3,436 |
| Loan and lease loss provision to assets | 0.4134% | 829 |
| Net operating income to assets | 0.5209% | 3,976 |
| Return on assets (ROA) | 0.5209% | 4,074 |
| Pretax return on assets | 0.6639% | 3,975 |
| Return on Equity (ROE) | 5.9745% | 3,565 |
| Retained earnings to average equity (ytd only) | 5.9745% | 2,117 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0559% | 2,186 |
| Assets per employee ($millions) | 6.2609% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9347% | 554 |
| Loan loss allowance to noncurrent loans | 12,755.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 4,435 |
| Noncurrent loans to loans | 0.0152% | 4,379 |
| Net loans and leases to total assets | 79.4323% | 665 |
| Net loans and leases to deposits | 101.2751% | 484 |
| Net loans and leases to core deposits | 111.9904% | 631 |
| Total domestic deposits to total assets | 78.4322% | 4,132 |
| Equity capital to assets | 8.6747% | 4,352 |
| Core capital (leverage) ratio | 8.8455% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1595% | 2,555 |
| Memoranda: | ||
| Average total assets | $158,450,000 | 3,286 |
| Average earning assets | $154,619,500 | 3,197 |
| Average equity | $13,814,000 | 3,781 |
| Average total loans | $135,255,500 | 2,813 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7190% | 1,366 |
| Cost of funding earning assets | 1.4018% | 227 |
| Net interest margin | 3.3173% | 3,337 |
| Noninterest income to average assets | 0.3490% | 3,387 |
| Noninterest expense to average assets | 2.3095% | 3,488 |
| Loan and lease loss provision to assets | 0.5618% | 581 |
| Net operating income to assets | 0.5414% | 3,903 |
| Return on assets (ROA) | 0.5414% | 3,982 |
| Pretax return on assets | 0.7184% | 3,828 |
| Return on Equity (ROE) | 6.1991% | 3,441 |
| Retained earnings to average equity (ytd only) | 6.1991% | 1,989 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3364% | 2,774 |
| Assets per employee ($millions) | 6.2954% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 679 |
| Loan loss allowance to noncurrent loans | 11,909.5238% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,508 |
| Noncurrent loans to loans | 0.0150% | 4,449 |
| Net loans and leases to total assets | 84.0494% | 249 |
| Net loans and leases to deposits | 109.6410% | 237 |
| Net loans and leases to core deposits | 122.1071% | 376 |
| Total domestic deposits to total assets | 76.6587% | 4,359 |
| Equity capital to assets | 8.5087% | 4,472 |
| Core capital (leverage) ratio | 8.6062% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3260% | 2,882 |
| Memoranda: | ||
| Average total assets | $157,005,333 | 3,281 |
| Average earning assets | $153,378,333 | 3,192 |
| Average equity | $13,711,667 | 3,802 |
| Average total loans | $136,389,333 | 2,790 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 2,442 |
| Cost of funding earning assets | 1.5105% | 256 |
| Net interest margin | 2.9412% | 4,366 |
| Noninterest income to average assets | 0.2551% | 4,019 |
| Noninterest expense to average assets | 2.3167% | 3,736 |
| Loan and lease loss provision to assets | 0.1119% | 2,281 |
| Net operating income to assets | 0.5310% | 3,806 |
| Return on assets (ROA) | 0.5310% | 3,867 |
| Pretax return on assets | 0.7002% | 3,685 |
| Return on Equity (ROE) | 5.9982% | 3,316 |
| Retained earnings to average equity (ytd only) | 5.9982% | 1,870 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0433% | 1,809 |
| Assets per employee ($millions) | 6.0122% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 1,203 |
| Loan loss allowance to noncurrent loans | 9,559.0909% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 4,573 |
| Noncurrent loans to loans | 0.0162% | 4,505 |
| Net loans and leases to total assets | 85.7098% | 159 |
| Net loans and leases to deposits | 114.6393% | 126 |
| Net loans and leases to core deposits | 128.2759% | 295 |
| Total domestic deposits to total assets | 74.7647% | 4,598 |
| Equity capital to assets | 8.7681% | 4,707 |
| Core capital (leverage) ratio | 8.9489% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7716% | 3,160 |
| Memoranda: | ||
| Average total assets | $153,668,000 | 3,282 |
| Average earning assets | $150,145,000 | 3,192 |
| Average equity | $13,604,000 | 3,822 |
| Average total loans | $134,547,500 | 2,785 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5910% | 2,649 |
| Cost of funding earning assets | 1.5589% | 337 |
| Net interest margin | 3.0321% | 4,480 |
| Noninterest income to average assets | 0.2728% | 4,044 |
| Noninterest expense to average assets | 2.5021% | 3,446 |
| Loan and lease loss provision to assets | 0.0505% | 3,013 |
| Net operating income to assets | 0.5159% | 4,371 |
| Return on assets (ROA) | 0.5159% | 4,422 |
| Pretax return on assets | 0.6769% | 4,263 |
| Return on Equity (ROE) | 5.8385% | 3,968 |
| Retained earnings to average equity (ytd only) | 5.8385% | 1,956 |
| Net charge-offs to loans | -0.0015% | 4,205 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4765% | 1,209 |
| Assets per employee ($millions) | 5.2076% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 1,088 |
| Loan loss allowance to noncurrent loans | 8,583.3333% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,578 |
| Noncurrent loans to loans | 0.0180% | 4,500 |
| Net loans and leases to total assets | 86.7129% | 131 |
| Net loans and leases to deposits | 110.8193% | 176 |
| Net loans and leases to core deposits | 125.3295% | 358 |
| Total domestic deposits to total assets | 78.2471% | 4,319 |
| Equity capital to assets | 8.9406% | 4,716 |
| Core capital (leverage) ratio | 8.9604% | 4,558 |
| Tier 1 risk-based capital ratio | 10.7950% | 4,926 |
| Total risk-based capital ratio | 12.0503% | 4,835 |
| Memoranda: | ||
| Average total assets | $148,473,800 | 3,322 |
| Average earning assets | $144,784,000 | 3,221 |
| Average equity | $13,119,800 | 3,878 |
| Average total loans | $129,840,800 | 2,821 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6018% | 2,713 |
| Cost of funding earning assets | 1.5438% | 359 |
| Net interest margin | 3.0580% | 4,546 |
| Noninterest income to average assets | 0.2327% | 4,347 |
| Noninterest expense to average assets | 2.5297% | 3,354 |
| Loan and lease loss provision to assets | 0.0451% | 3,001 |
| Net operating income to assets | 0.4897% | 4,539 |
| Return on assets (ROA) | 0.4897% | 4,588 |
| Pretax return on assets | 0.6412% | 4,464 |
| Return on Equity (ROE) | 5.5587% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.5587% | 2,595 |
| Net charge-offs to loans | -0.0021% | 4,061 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6596% | 1,043 |
| Assets per employee ($millions) | 5.0609% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 1,112 |
| Loan loss allowance to noncurrent loans | 4,239.5833% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,572 |
| Noncurrent loans to loans | 0.0366% | 4,493 |
| Net loans and leases to total assets | 84.9368% | 261 |
| Net loans and leases to deposits | 111.4725% | 190 |
| Net loans and leases to core deposits | 125.8657% | 365 |
| Total domestic deposits to total assets | 76.1953% | 4,627 |
| Equity capital to assets | 8.7461% | 4,900 |
| Core capital (leverage) ratio | 8.9175% | 4,694 |
| Tier 1 risk-based capital ratio | 10.7743% | 4,993 |
| Total risk-based capital ratio | 12.0287% | 4,900 |
| Memoranda: | ||
| Average total assets | $147,837,500 | 3,363 |
| Average earning assets | $144,229,000 | 3,260 |
| Average equity | $13,024,250 | 3,923 |
| Average total loans | $129,047,750 | 2,867 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 2,770 |
| Cost of funding earning assets | 1.4891% | 390 |
| Net interest margin | 3.0817% | 4,568 |
| Noninterest income to average assets | 0.1979% | 4,573 |
| Noninterest expense to average assets | 2.4709% | 3,571 |
| Loan and lease loss provision to assets | 0.0683% | 2,451 |
| Net operating income to assets | 0.5092% | 4,510 |
| Return on assets (ROA) | 0.5092% | 4,545 |
| Pretax return on assets | 0.6675% | 4,407 |
| Return on Equity (ROE) | 5.7654% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.7654% | 2,390 |
| Net charge-offs to loans | -0.0031% | 4,033 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0541% | 1,262 |
| Assets per employee ($millions) | 4.9288% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 1,148 |
| Loan loss allowance to noncurrent loans | 4,070.0000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 4,603 |
| Noncurrent loans to loans | 0.0380% | 4,519 |
| Net loans and leases to total assets | 87.7109% | 126 |
| Net loans and leases to deposits | 115.7882% | 120 |
| Net loans and leases to core deposits | 131.7165% | 291 |
| Total domestic deposits to total assets | 75.7512% | 4,700 |
| Equity capital to assets | 8.8656% | 4,868 |
| Core capital (leverage) ratio | 8.9962% | 4,629 |
| Tier 1 risk-based capital ratio | 10.4922% | 5,108 |
| Total risk-based capital ratio | 11.7472% | 5,023 |
| Memoranda: | ||
| Average total assets | $146,507,670 | 3,396 |
| Average earning assets | $143,038,000 | 3,295 |
| Average equity | $12,939,330 | 3,943 |
| Average total loans | $128,399,670 | 2,891 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 2,751 |
| Cost of funding earning assets | 1.4007% | 459 |
| Net interest margin | 3.1333% | 4,524 |
| Noninterest income to average assets | 0.1509% | 4,841 |
| Noninterest expense to average assets | 2.3123% | 3,990 |
| Loan and lease loss provision to assets | 0.0439% | 2,761 |
| Net operating income to assets | 0.6501% | 4,091 |
| Return on assets (ROA) | 0.6501% | 4,125 |
| Pretax return on assets | 0.8503% | 3,919 |
| Return on Equity (ROE) | 7.3748% | 3,515 |
| Retained earnings to average equity (ytd only) | 7.3748% | 1,892 |
| Net charge-offs to loans | -0.0063% | 4,082 |
| Credit loss provision to net charge-offs | -800.0000% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1129% | 2,026 |
| Assets per employee ($millions) | 5.0587% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 1,069 |
| Loan loss allowance to noncurrent loans | 3,848.0769% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 4,661 |
| Noncurrent loans to loans | 0.0415% | 4,580 |
| Net loans and leases to total assets | 84.1139% | 363 |
| Net loans and leases to deposits | 111.2247% | 188 |
| Net loans and leases to core deposits | 126.3216% | 371 |
| Total domestic deposits to total assets | 75.6253% | 4,802 |
| Equity capital to assets | 8.8432% | 4,790 |
| Core capital (leverage) ratio | 8.9526% | 4,683 |
| Tier 1 risk-based capital ratio | 10.8283% | 5,056 |
| Total risk-based capital ratio | 12.0837% | 4,957 |
| Memoranda: | ||
| Average total assets | $145,830,000 | 3,436 |
| Average earning assets | $142,216,000 | 3,341 |
| Average equity | $12,854,500 | 3,968 |
| Average total loans | $126,736,000 | 2,942 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3005% | 3,109 |
| Cost of funding earning assets | 1.1150% | 468 |
| Net interest margin | 3.1855% | 4,509 |
| Noninterest income to average assets | 0.3068% | 4,062 |
| Noninterest expense to average assets | 2.7321% | 2,924 |
| Loan and lease loss provision to assets | 0.1205% | 1,834 |
| Net operating income to assets | 0.4243% | 4,821 |
| Return on assets (ROA) | 0.4243% | 4,815 |
| Pretax return on assets | 0.5544% | 4,714 |
| Return on Equity (ROE) | 4.6255% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.6255% | 2,978 |
| Net charge-offs to loans | -0.0192% | 4,688 |
| Credit loss provision to net charge-offs | -708.6957% | 4,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1909% | 944 |
| Assets per employee ($millions) | 5.1771% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 1,154 |
| Loan loss allowance to noncurrent loans | 7,344.4444% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 4,790 |
| Noncurrent loans to loans | 0.0211% | 4,694 |
| Net loans and leases to total assets | 86.9846% | 170 |
| Net loans and leases to deposits | 117.5617% | 127 |
| Net loans and leases to core deposits | 130.1689% | 319 |
| Total domestic deposits to total assets | 73.9906% | 4,950 |
| Equity capital to assets | 8.7859% | 4,744 |
| Core capital (leverage) ratio | 8.9998% | 4,656 |
| Tier 1 risk-based capital ratio | 10.4440% | 5,203 |
| Total risk-based capital ratio | 11.6986% | 5,103 |
| Memoranda: | ||
| Average total assets | $135,278,800 | 3,574 |
| Average earning assets | $131,659,600 | 3,474 |
| Average equity | $12,409,600 | 3,975 |
| Average total loans | $119,616,600 | 2,997 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2031% | 3,309 |
| Cost of funding earning assets | 1.0283% | 524 |
| Net interest margin | 3.1747% | 4,562 |
| Noninterest income to average assets | 0.3251% | 3,968 |
| Noninterest expense to average assets | 2.7567% | 2,785 |
| Loan and lease loss provision to assets | 0.1365% | 1,467 |
| Net operating income to assets | 0.3994% | 4,958 |
| Return on assets (ROA) | 0.3994% | 4,960 |
| Pretax return on assets | 0.5208% | 4,873 |
| Return on Equity (ROE) | 4.3044% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.3044% | 3,608 |
| Net charge-offs to loans | -0.0216% | 4,654 |
| Credit loss provision to net charge-offs | -715.7895% | 4,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7466% | 880 |
| Assets per employee ($millions) | 4.6218% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 1,203 |
| Loan loss allowance to noncurrent loans | 7,229.6296% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 4,904 |
| Noncurrent loans to loans | 0.0214% | 4,809 |
| Net loans and leases to total assets | 86.7774% | 202 |
| Net loans and leases to deposits | 121.0397% | 96 |
| Net loans and leases to core deposits | 132.0237% | 295 |
| Total domestic deposits to total assets | 71.6933% | 5,149 |
| Equity capital to assets | 8.7662% | 4,741 |
| Core capital (leverage) ratio | 9.3099% | 4,388 |
| Tier 1 risk-based capital ratio | 10.4490% | 5,254 |
| Total risk-based capital ratio | 11.7035% | 5,167 |
| Memoranda: | ||
| Average total assets | $132,858,750 | 3,642 |
| Average earning assets | $129,267,750 | 3,537 |
| Average equity | $12,328,000 | 4,019 |
| Average total loans | $117,502,000 | 3,049 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0776% | 3,532 |
| Cost of funding earning assets | 0.9556% | 569 |
| Net interest margin | 3.1220% | 4,684 |
| Noninterest income to average assets | 0.3354% | 3,938 |
| Noninterest expense to average assets | 2.8365% | 2,555 |
| Loan and lease loss provision to assets | 0.1716% | 1,069 |
| Net operating income to assets | 0.2844% | 5,140 |
| Return on assets (ROA) | 0.2844% | 5,134 |
| Pretax return on assets | 0.3725% | 5,078 |
| Return on Equity (ROE) | 3.0039% | 5,028 |
| Retained earnings to average equity (ytd only) | 3.0039% | 4,052 |
| Net charge-offs to loans | -0.0297% | 4,732 |
| Credit loss provision to net charge-offs | -652.9412% | 4,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9049% | 692 |
| Assets per employee ($millions) | 4.4546% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6339% | 1,019 |
| Loan loss allowance to noncurrent loans | 118.3159% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.2175% | 1,180 |
| Noncurrent loans to loans | 1.3809% | 1,231 |
| Net loans and leases to total assets | 86.7216% | 213 |
| Net loans and leases to deposits | 116.6172% | 149 |
| Net loans and leases to core deposits | 125.2085% | 430 |
| Total domestic deposits to total assets | 74.3643% | 5,016 |
| Equity capital to assets | 9.2384% | 4,345 |
| Core capital (leverage) ratio | 9.6178% | 3,978 |
| Tier 1 risk-based capital ratio | 10.8171% | 5,145 |
| Total risk-based capital ratio | 12.0727% | 5,034 |
| Memoranda: | ||
| Average total assets | $129,386,000 | 3,712 |
| Average earning assets | $126,202,330 | 3,620 |
| Average equity | $12,250,670 | 4,044 |
| Average total loans | $114,574,670 | 3,097 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0556% | 3,393 |
| Cost of funding earning assets | 0.8962% | 604 |
| Net interest margin | 3.1594% | 4,580 |
| Noninterest income to average assets | 0.2860% | 4,260 |
| Noninterest expense to average assets | 2.8163% | 2,645 |
| Loan and lease loss provision to assets | 0.2137% | 751 |
| Net operating income to assets | 0.2577% | 5,160 |
| Return on assets (ROA) | 0.2577% | 5,163 |
| Pretax return on assets | 0.3363% | 5,114 |
| Return on Equity (ROE) | 2.6879% | 5,075 |
| Retained earnings to average equity (ytd only) | 2.6879% | 4,100 |
| Net charge-offs to loans | -0.0248% | 4,657 |
| Credit loss provision to net charge-offs | -971.4286% | 4,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6601% | 824 |
| Assets per employee ($millions) | 4.2738% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 1,068 |
| Loan loss allowance to noncurrent loans | 115.4843% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.2643% | 1,176 |
| Noncurrent loans to loans | 1.4232% | 1,245 |
| Net loans and leases to total assets | 87.3742% | 171 |
| Net loans and leases to deposits | 113.5544% | 184 |
| Net loans and leases to core deposits | 120.4140% | 575 |
| Total domestic deposits to total assets | 76.9448% | 4,861 |
| Equity capital to assets | 9.5497% | 4,046 |
| Core capital (leverage) ratio | 9.7675% | 3,787 |
| Tier 1 risk-based capital ratio | 11.4248% | 4,894 |
| Total risk-based capital ratio | 12.6808% | 4,795 |
| Memoranda: | ||
| Average total assets | $127,260,000 | 3,774 |
| Average earning assets | $124,074,500 | 3,679 |
| Average equity | $12,203,000 | 4,085 |
| Average total loans | $112,953,000 | 3,145 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9481% | 3,577 |
| Cost of funding earning assets | 0.8472% | 487 |
| Net interest margin | 3.1009% | 4,693 |
| Noninterest income to average assets | 0.2857% | 4,420 |
| Noninterest expense to average assets | 2.7129% | 3,086 |
| Loan and lease loss provision to assets | 0.0264% | 3,767 |
| Net operating income to assets | 0.4603% | 4,491 |
| Return on assets (ROA) | 0.4603% | 4,522 |
| Pretax return on assets | 0.5550% | 4,838 |
| Return on Equity (ROE) | 4.9727% | 4,171 |
| Retained earnings to average equity (ytd only) | 4.9727% | 2,146 |
| Net charge-offs to loans | -0.0080% | 4,735 |
| Credit loss provision to net charge-offs | -377.7778% | 4,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3516% | 905 |
| Assets per employee ($millions) | 4.0744% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6043% | 1,138 |
| Loan loss allowance to noncurrent loans | 110.4487% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.2881% | 1,129 |
| Noncurrent loans to loans | 1.4526% | 1,179 |
| Net loans and leases to total assets | 87.2571% | 173 |
| Net loans and leases to deposits | 112.7513% | 197 |
| Net loans and leases to core deposits | 118.9593% | 619 |
| Total domestic deposits to total assets | 77.3890% | 4,813 |
| Equity capital to assets | 9.6290% | 4,113 |
| Core capital (leverage) ratio | 9.6227% | 3,896 |
| Tier 1 risk-based capital ratio | 11.3904% | 4,922 |
| Total risk-based capital ratio | 12.6454% | 4,799 |
| Memoranda: | ||
| Average total assets | $128,826,600 | 3,764 |
| Average earning assets | $124,996,000 | 3,667 |
| Average equity | $11,925,200 | 4,151 |
| Average total loans | $112,858,800 | 3,145 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9248% | 3,608 |
| Cost of funding earning assets | 0.8438% | 466 |
| Net interest margin | 3.0809% | 4,754 |
| Noninterest income to average assets | 0.3337% | 4,151 |
| Noninterest expense to average assets | 2.6459% | 3,260 |
| Loan and lease loss provision to assets | 0.0350% | 3,416 |
| Net operating income to assets | 0.6107% | 4,351 |
| Return on assets (ROA) | 0.6107% | 4,391 |
| Pretax return on assets | 0.6386% | 4,763 |
| Return on Equity (ROE) | 6.6632% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.6632% | 1,869 |
| Net charge-offs to loans | -0.0083% | 4,580 |
| Credit loss provision to net charge-offs | -485.7143% | 4,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7083% | 1,141 |
| Assets per employee ($millions) | 4.3664% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5813% | 1,280 |
| Loan loss allowance to noncurrent loans | 669.7761% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 3,771 |
| Noncurrent loans to loans | 0.2361% | 4,112 |
| Net loans and leases to total assets | 85.2870% | 310 |
| Net loans and leases to deposits | 111.0791% | 249 |
| Net loans and leases to core deposits | 118.2322% | 646 |
| Total domestic deposits to total assets | 76.7804% | 4,928 |
| Equity capital to assets | 9.2845% | 4,656 |
| Core capital (leverage) ratio | 9.3110% | 4,396 |
| Tier 1 risk-based capital ratio | 11.2647% | 5,102 |
| Total risk-based capital ratio | 12.5197% | 4,992 |
| Memoranda: | ||
| Average total assets | $129,456,750 | 3,792 |
| Average earning assets | $125,457,000 | 3,689 |
| Average equity | $11,866,000 | 4,200 |
| Average total loans | $113,071,500 | 3,174 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8597% | 3,684 |
| Cost of funding earning assets | 0.8315% | 443 |
| Net interest margin | 3.0282% | 4,847 |
| Noninterest income to average assets | 0.3412% | 4,110 |
| Noninterest expense to average assets | 2.5484% | 3,582 |
| Loan and lease loss provision to assets | 0.0527% | 2,926 |
| Net operating income to assets | 0.6421% | 4,120 |
| Return on assets (ROA) | 0.6421% | 4,167 |
| Pretax return on assets | 0.6716% | 4,624 |
| Return on Equity (ROE) | 7.0364% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.0364% | 1,578 |
| Net charge-offs to loans | -0.0071% | 4,430 |
| Credit loss provision to net charge-offs | -850.0000% | 4,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8673% | 1,480 |
| Assets per employee ($millions) | 4.2287% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 1,365 |
| Loan loss allowance to noncurrent loans | 654.0146% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 3,818 |
| Noncurrent loans to loans | 0.2384% | 4,175 |
| Net loans and leases to total assets | 86.3078% | 249 |
| Net loans and leases to deposits | 116.3932% | 147 |
| Net loans and leases to core deposits | 124.1441% | 433 |
| Total domestic deposits to total assets | 74.1519% | 5,279 |
| Equity capital to assets | 9.1411% | 4,764 |
| Core capital (leverage) ratio | 9.5009% | 4,129 |
| Tier 1 risk-based capital ratio | 10.7671% | 5,355 |
| Total risk-based capital ratio | 12.0214% | 5,280 |
| Memoranda: | ||
| Average total assets | $128,944,670 | 3,825 |
| Average earning assets | $124,827,330 | 3,725 |
| Average equity | $11,767,330 | 4,229 |
| Average total loans | $112,923,670 | 3,183 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8864% | 3,441 |
| Cost of funding earning assets | 0.8296% | 413 |
| Net interest margin | 3.0568% | 4,771 |
| Noninterest income to average assets | 0.1877% | 5,151 |
| Noninterest expense to average assets | 2.5588% | 3,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5662% | 4,299 |
| Return on assets (ROA) | 0.5662% | 4,345 |
| Pretax return on assets | 0.5912% | 4,750 |
| Return on Equity (ROE) | 6.2095% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.2095% | 2,230 |
| Net charge-offs to loans | -0.0071% | 4,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2314% | 1,232 |
| Assets per employee ($millions) | 4.3981% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 1,420 |
| Loan loss allowance to noncurrent loans | 691.3386% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 3,916 |
| Noncurrent loans to loans | 0.2292% | 4,294 |
| Net loans and leases to total assets | 85.5252% | 253 |
| Net loans and leases to deposits | 114.2851% | 144 |
| Net loans and leases to core deposits | 121.6179% | 422 |
| Total domestic deposits to total assets | 74.8350% | 5,345 |
| Equity capital to assets | 9.2124% | 4,606 |
| Core capital (leverage) ratio | 9.2160% | 4,459 |
| Tier 1 risk-based capital ratio | 10.8728% | 5,375 |
| Total risk-based capital ratio | 12.1275% | 5,294 |
| Memoranda: | ||
| Average total assets | $127,872,500 | 3,877 |
| Average earning assets | $123,919,500 | 3,773 |
| Average equity | $11,659,500 | 4,276 |
| Average total loans | $111,919,500 | 3,221 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 3,591 |
| Cost of funding earning assets | 0.8266% | 441 |
| Net interest margin | 3.0672% | 4,807 |
| Noninterest income to average assets | 0.4139% | 3,785 |
| Noninterest expense to average assets | 2.6672% | 3,461 |
| Loan and lease loss provision to assets | 0.1402% | 1,781 |
| Net operating income to assets | 0.5508% | 4,433 |
| Return on assets (ROA) | 0.5508% | 4,533 |
| Pretax return on assets | 0.5771% | 4,851 |
| Return on Equity (ROE) | 5.9519% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.9519% | 1,732 |
| Net charge-offs to loans | -0.0336% | 5,286 |
| Credit loss provision to net charge-offs | -485.7143% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8063% | 1,575 |
| Assets per employee ($millions) | 4.4207% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 1,500 |
| Loan loss allowance to noncurrent loans | 385.4945% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 3,358 |
| Noncurrent loans to loans | 0.4027% | 3,705 |
| Net loans and leases to total assets | 86.7752% | 191 |
| Net loans and leases to deposits | 120.5960% | 86 |
| Net loans and leases to core deposits | 126.7172% | 335 |
| Total domestic deposits to total assets | 71.9553% | 5,565 |
| Equity capital to assets | 9.0243% | 4,788 |
| Core capital (leverage) ratio | 9.2819% | 4,371 |
| Tier 1 risk-based capital ratio | 10.4627% | 5,587 |
| Total risk-based capital ratio | 11.7152% | 5,527 |
| Memoranda: | ||
| Average total assets | $121,286,400 | 3,971 |
| Average earning assets | $117,468,400 | 3,878 |
| Average equity | $11,223,400 | 4,392 |
| Average total loans | $104,015,000 | 3,314 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 3,645 |
| Cost of funding earning assets | 0.8303% | 428 |
| Net interest margin | 3.0528% | 4,893 |
| Noninterest income to average assets | 0.4026% | 3,905 |
| Noninterest expense to average assets | 2.7289% | 3,260 |
| Loan and lease loss provision to assets | 0.0736% | 2,746 |
| Net operating income to assets | 0.5297% | 4,573 |
| Return on assets (ROA) | 0.5297% | 4,676 |
| Pretax return on assets | 0.5565% | 4,984 |
| Return on Equity (ROE) | 5.6866% | 4,223 |
| Retained earnings to average equity (ytd only) | 5.6866% | 2,364 |
| Net charge-offs to loans | -0.0026% | 4,517 |
| Credit loss provision to net charge-offs | -3,300.0000% | 5,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2417% | 1,276 |
| Assets per employee ($millions) | 4.3962% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 1,676 |
| Loan loss allowance to noncurrent loans | 644.2231% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 4,084 |
| Noncurrent loans to loans | 0.2368% | 4,425 |
| Net loans and leases to total assets | 84.8131% | 341 |
| Net loans and leases to deposits | 111.9488% | 224 |
| Net loans and leases to core deposits | 117.5532% | 592 |
| Total domestic deposits to total assets | 75.7606% | 5,261 |
| Equity capital to assets | 9.2418% | 4,933 |
| Core capital (leverage) ratio | 9.3287% | 4,425 |
| Tier 1 risk-based capital ratio | 10.8042% | 5,470 |
| Total risk-based capital ratio | 12.0579% | 5,380 |
| Memoranda: | ||
| Average total assets | $119,558,250 | 4,028 |
| Average earning assets | $115,781,250 | 3,924 |
| Average equity | $11,137,000 | 4,452 |
| Average total loans | $101,769,000 | 3,364 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 3,575 |
| Cost of funding earning assets | 0.8203% | 438 |
| Net interest margin | 3.0894% | 4,859 |
| Noninterest income to average assets | 0.3666% | 4,132 |
| Noninterest expense to average assets | 2.7758% | 3,107 |
| Loan and lease loss provision to assets | 0.0118% | 3,868 |
| Net operating income to assets | 0.5406% | 4,517 |
| Return on assets (ROA) | 0.5406% | 4,624 |
| Pretax return on assets | 0.5694% | 4,973 |
| Return on Equity (ROE) | 5.7880% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.7880% | 2,246 |
| Net charge-offs to loans | -0.0199% | 4,949 |
| Credit loss provision to net charge-offs | -70.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6875% | 1,189 |
| Assets per employee ($millions) | 4.7457% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 1,643 |
| Loan loss allowance to noncurrent loans | 794.9239% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 4,355 |
| Noncurrent loans to loans | 0.1965% | 4,654 |
| Net loans and leases to total assets | 79.9893% | 904 |
| Net loans and leases to deposits | 108.7785% | 284 |
| Net loans and leases to core deposits | 114.0371% | 721 |
| Total domestic deposits to total assets | 73.5341% | 5,564 |
| Equity capital to assets | 9.0940% | 5,168 |
| Core capital (leverage) ratio | 9.3330% | 4,417 |
| Tier 1 risk-based capital ratio | 11.4763% | 5,174 |
| Total risk-based capital ratio | 12.7302% | 5,053 |
| Memoranda: | ||
| Average total assets | $118,380,000 | 4,080 |
| Average earning assets | $114,585,330 | 3,969 |
| Average equity | $11,057,330 | 4,487 |
| Average total loans | $100,353,330 | 3,405 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 3,157 |
| Cost of funding earning assets | 0.7885% | 519 |
| Net interest margin | 3.2290% | 4,475 |
| Noninterest income to average assets | 0.1899% | 5,370 |
| Noninterest expense to average assets | 2.7409% | 3,270 |
| Loan and lease loss provision to assets | 0.0242% | 3,365 |
| Net operating income to assets | 0.5143% | 4,572 |
| Return on assets (ROA) | 0.5143% | 4,677 |
| Pretax return on assets | 0.5489% | 4,954 |
| Return on Equity (ROE) | 5.4303% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.4303% | 2,694 |
| Net charge-offs to loans | -0.0199% | 4,853 |
| Credit loss provision to net charge-offs | -140.0000% | 4,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7083% | 1,290 |
| Assets per employee ($millions) | 4.4653% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 1,796 |
| Loan loss allowance to noncurrent loans | 780.5000% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 4,350 |
| Noncurrent loans to loans | 0.1984% | 4,706 |
| Net loans and leases to total assets | 85.4821% | 260 |
| Net loans and leases to deposits | 116.9808% | 119 |
| Net loans and leases to core deposits | 120.2712% | 459 |
| Total domestic deposits to total assets | 73.0736% | 5,696 |
| Equity capital to assets | 9.5178% | 4,650 |
| Core capital (leverage) ratio | 9.5209% | 4,160 |
| Tier 1 risk-based capital ratio | 11.1709% | 5,413 |
| Total risk-based capital ratio | 12.4254% | 5,319 |
| Memoranda: | ||
| Average total assets | $115,875,500 | 4,153 |
| Average earning assets | $112,110,500 | 4,040 |
| Average equity | $10,975,500 | 4,513 |
| Average total loans | $100,398,000 | 3,416 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9518% | 3,516 |
| Cost of funding earning assets | 0.7059% | 793 |
| Net interest margin | 3.2459% | 4,484 |
| Noninterest income to average assets | 0.5022% | 3,312 |
| Noninterest expense to average assets | 2.6624% | 3,722 |
| Loan and lease loss provision to assets | 0.1269% | 1,906 |
| Net operating income to assets | 0.9174% | 2,771 |
| Return on assets (ROA) | 0.9165% | 2,865 |
| Pretax return on assets | 0.8548% | 4,002 |
| Return on Equity (ROE) | 10.0647% | 1,986 |
| Retained earnings to average equity (ytd only) | 10.0647% | 454 |
| Net charge-offs to loans | 0.0043% | 4,297 |
| Credit loss provision to net charge-offs | 3,500.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 269 |
| Efficiency ratio | 73.0415% | 2,738 |
| Assets per employee ($millions) | 4.6261% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 1,803 |
| Loan loss allowance to noncurrent loans | 763.0542% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 4,363 |
| Noncurrent loans to loans | 0.2030% | 4,691 |
| Net loans and leases to total assets | 85.1193% | 300 |
| Net loans and leases to deposits | 115.6738% | 147 |
| Net loans and leases to core deposits | 120.2225% | 472 |
| Total domestic deposits to total assets | 73.5856% | 5,683 |
| Equity capital to assets | 9.4256% | 4,644 |
| Core capital (leverage) ratio | 9.6025% | 4,043 |
| Tier 1 risk-based capital ratio | 11.4528% | 5,280 |
| Total risk-based capital ratio | 12.7072% | 5,183 |
| Memoranda: | ||
| Average total assets | $110,315,200 | 4,252 |
| Average earning assets | $106,812,400 | 4,120 |
| Average equity | $10,045,000 | 4,657 |
| Average total loans | $93,153,800 | 3,519 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 3,606 |
| Cost of funding earning assets | 0.6868% | 904 |
| Net interest margin | 3.2482% | 4,533 |
| Noninterest income to average assets | 0.5750% | 2,879 |
| Noninterest expense to average assets | 2.6756% | 3,652 |
| Loan and lease loss provision to assets | 0.0820% | 2,533 |
| Net operating income to assets | 0.9298% | 2,804 |
| Return on assets (ROA) | 0.9298% | 2,896 |
| Pretax return on assets | 0.9653% | 3,762 |
| Return on Equity (ROE) | 10.3073% | 1,970 |
| Retained earnings to average equity (ytd only) | 10.3073% | 587 |
| Net charge-offs to loans | 0.0117% | 3,766 |
| Credit loss provision to net charge-offs | 837.5000% | 429 |
| Earnings coverage of net charge-offs (x) | 106.9634% | 589 |
| Efficiency ratio | 71.8699% | 2,910 |
| Assets per employee ($millions) | 4.5130% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 1,966 |
| Loan loss allowance to noncurrent loans | 707.6923% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 4,480 |
| Noncurrent loans to loans | 0.2190% | 4,780 |
| Net loans and leases to total assets | 82.8733% | 489 |
| Net loans and leases to deposits | 112.6953% | 193 |
| Net loans and leases to core deposits | 115.5018% | 613 |
| Total domestic deposits to total assets | 73.5375% | 5,748 |
| Equity capital to assets | 9.4395% | 4,828 |
| Core capital (leverage) ratio | 9.4484% | 4,370 |
| Tier 1 risk-based capital ratio | 11.5297% | 5,355 |
| Total risk-based capital ratio | 12.7871% | 5,279 |
| Memoranda: | ||
| Average total assets | $108,980,750 | 4,322 |
| Average earning assets | $105,614,250 | 4,189 |
| Average equity | $9,831,000 | 4,745 |
| Average total loans | $91,444,250 | 3,593 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 3,520 |
| Cost of funding earning assets | 0.6751% | 965 |
| Net interest margin | 3.2682% | 4,424 |
| Noninterest income to average assets | 0.6667% | 2,377 |
| Noninterest expense to average assets | 2.8115% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9824% | 2,492 |
| Return on assets (ROA) | 0.9824% | 2,600 |
| Pretax return on assets | 1.0195% | 3,501 |
| Return on Equity (ROE) | 11.0693% | 1,659 |
| Retained earnings to average equity (ytd only) | 11.0693% | 499 |
| Net charge-offs to loans | -0.0953% | 5,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3883% | 2,767 |
| Assets per employee ($millions) | 4.1668% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 2,044 |
| Loan loss allowance to noncurrent loans | 449.3827% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 4,163 |
| Noncurrent loans to loans | 0.3474% | 4,450 |
| Net loans and leases to total assets | 84.7384% | 318 |
| Net loans and leases to deposits | 114.0028% | 179 |
| Net loans and leases to core deposits | 116.9271% | 564 |
| Total domestic deposits to total assets | 74.3301% | 5,759 |
| Equity capital to assets | 9.6172% | 4,510 |
| Core capital (leverage) ratio | 9.5538% | 4,205 |
| Tier 1 risk-based capital ratio | 11.7843% | 5,291 |
| Total risk-based capital ratio | 13.0431% | 5,193 |
| Memoranda: | ||
| Average total assets | $107,699,670 | 4,390 |
| Average earning assets | $104,276,670 | 4,260 |
| Average equity | $9,558,000 | 4,830 |
| Average total loans | $90,268,000 | 3,631 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 3,548 |
| Cost of funding earning assets | 0.6739% | 979 |
| Net interest margin | 3.2384% | 4,461 |
| Noninterest income to average assets | 0.5476% | 2,963 |
| Noninterest expense to average assets | 2.6187% | 3,865 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0244% | 2,147 |
| Return on assets (ROA) | 1.0244% | 2,294 |
| Pretax return on assets | 1.0616% | 3,255 |
| Return on Equity (ROE) | 12.0515% | 1,332 |
| Retained earnings to average equity (ytd only) | 12.0515% | 563 |
| Net charge-offs to loans | -0.0180% | 4,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1538% | 3,301 |
| Assets per employee ($millions) | 4.2422% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 2,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 5,398 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 80.6040% | 618 |
| Net loans and leases to deposits | 103.6166% | 387 |
| Net loans and leases to core deposits | 106.1034% | 931 |
| Total domestic deposits to total assets | 77.7907% | 5,487 |
| Equity capital to assets | 8.4001% | 5,805 |
| Core capital (leverage) ratio | 8.7059% | 5,321 |
| Tier 1 risk-based capital ratio | 11.2178% | 5,704 |
| Total risk-based capital ratio | 12.4770% | 5,614 |
| Memoranda: | ||
| Average total assets | $107,381,000 | 4,427 |
| Average earning assets | $103,879,000 | 4,305 |
| Average equity | $9,127,500 | 4,958 |
| Average total loans | $88,772,500 | 3,675 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 3,068 |
| Cost of funding earning assets | 0.6994% | 1,116 |
| Net interest margin | 3.4641% | 3,926 |
| Noninterest income to average assets | 0.5677% | 3,069 |
| Noninterest expense to average assets | 2.8773% | 3,215 |
| Loan and lease loss provision to assets | 0.0421% | 3,734 |
| Net operating income to assets | 1.0665% | 2,101 |
| Return on assets (ROA) | 1.0665% | 2,159 |
| Pretax return on assets | 0.9885% | 3,545 |
| Return on Equity (ROE) | 12.6359% | 1,231 |
| Retained earnings to average equity (ytd only) | 12.6359% | 249 |
| Net charge-offs to loans | 0.0036% | 4,883 |
| Credit loss provision to net charge-offs | 1,366.6667% | 207 |
| Earnings coverage of net charge-offs (x) | 334.6667% | 162 |
| Efficiency ratio | 73.6275% | 2,897 |
| Assets per employee ($millions) | 4.0179% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 2,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 5,439 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 82.1435% | 507 |
| Net loans and leases to deposits | 107.7580% | 301 |
| Net loans and leases to core deposits | 110.9040% | 737 |
| Total domestic deposits to total assets | 76.2296% | 5,701 |
| Equity capital to assets | 8.6057% | 5,642 |
| Core capital (leverage) ratio | 8.5539% | 5,495 |
| Tier 1 risk-based capital ratio | 11.3210% | 5,757 |
| Total risk-based capital ratio | 12.5776% | 5,677 |
| Memoranda: | ||
| Average total assets | $97,418,000 | 4,663 |
| Average earning assets | $93,935,200 | 4,553 |
| Average equity | $8,222,600 | 5,144 |
| Average total loans | $83,105,800 | 3,794 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 3,154 |
| Cost of funding earning assets | 0.6867% | 1,225 |
| Net interest margin | 3.4682% | 3,949 |
| Noninterest income to average assets | 0.5478% | 3,214 |
| Noninterest expense to average assets | 2.8769% | 3,207 |
| Loan and lease loss provision to assets | 0.0572% | 3,225 |
| Net operating income to assets | 1.0774% | 2,123 |
| Return on assets (ROA) | 1.0774% | 2,189 |
| Pretax return on assets | 0.9576% | 3,768 |
| Return on Equity (ROE) | 12.8337% | 1,253 |
| Retained earnings to average equity (ytd only) | 12.8337% | 339 |
| Net charge-offs to loans | 0.0097% | 4,393 |
| Credit loss provision to net charge-offs | 683.3333% | 439 |
| Earnings coverage of net charge-offs (x) | 121.3300% | 490 |
| Efficiency ratio | 73.9255% | 2,831 |
| Assets per employee ($millions) | 4.0728% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 2,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 5,577 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 84.6297% | 288 |
| Net loans and leases to deposits | 110.2383% | 213 |
| Net loans and leases to core deposits | 112.7702% | 629 |
| Total domestic deposits to total assets | 76.7698% | 5,709 |
| Equity capital to assets | 8.2734% | 5,965 |
| Core capital (leverage) ratio | 8.6075% | 5,546 |
| Tier 1 risk-based capital ratio | 10.7140% | 6,125 |
| Total risk-based capital ratio | 11.9706% | 6,071 |
| Memoranda: | ||
| Average total assets | $95,656,000 | 4,747 |
| Average earning assets | $92,227,000 | 4,640 |
| Average equity | $8,030,750 | 5,237 |
| Average total loans | $82,076,000 | 3,845 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 3,204 |
| Cost of funding earning assets | 0.6878% | 1,254 |
| Net interest margin | 3.4478% | 3,990 |
| Noninterest income to average assets | 0.5171% | 3,360 |
| Noninterest expense to average assets | 2.8974% | 3,171 |
| Loan and lease loss provision to assets | 0.0876% | 2,565 |
| Net operating income to assets | 1.0598% | 2,082 |
| Return on assets (ROA) | 1.0598% | 2,159 |
| Pretax return on assets | 0.8526% | 4,069 |
| Return on Equity (ROE) | 12.5575% | 1,294 |
| Retained earnings to average equity (ytd only) | 12.5575% | 372 |
| Net charge-offs to loans | 0.0249% | 3,701 |
| Credit loss provision to net charge-offs | 410.0000% | 681 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 983 |
| Efficiency ratio | 75.5011% | 2,723 |
| Assets per employee ($millions) | 4.1831% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6890% | 2,163 |
| Loan loss allowance to noncurrent loans | 15,622.2222% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 5,634 |
| Noncurrent loans to loans | 0.0108% | 6,054 |
| Net loans and leases to total assets | 85.0630% | 233 |
| Net loans and leases to deposits | 110.8102% | 189 |
| Net loans and leases to core deposits | 112.7242% | 579 |
| Total domestic deposits to total assets | 76.7646% | 5,818 |
| Equity capital to assets | 8.4678% | 5,825 |
| Core capital (leverage) ratio | 8.7314% | 5,356 |
| Tier 1 risk-based capital ratio | 10.9117% | 6,088 |
| Total risk-based capital ratio | 12.1693% | 6,029 |
| Memoranda: | ||
| Average total assets | $93,601,330 | 4,835 |
| Average earning assets | $90,144,000 | 4,727 |
| Average equity | $7,899,670 | 5,294 |
| Average total loans | $80,241,330 | 3,902 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 3,162 |
| Cost of funding earning assets | 0.6937% | 1,287 |
| Net interest margin | 3.4371% | 3,951 |
| Noninterest income to average assets | 0.5071% | 3,357 |
| Noninterest expense to average assets | 2.7260% | 3,848 |
| Loan and lease loss provision to assets | 0.1777% | 1,358 |
| Net operating income to assets | 1.0835% | 1,883 |
| Return on assets (ROA) | 1.0835% | 1,947 |
| Pretax return on assets | 0.9101% | 3,658 |
| Return on Equity (ROE) | 12.8601% | 1,193 |
| Retained earnings to average equity (ytd only) | 12.8601% | 499 |
| Net charge-offs to loans | 0.0711% | 2,437 |
| Credit loss provision to net charge-offs | 292.8571% | 813 |
| Earnings coverage of net charge-offs (x) | 17.9286% | 1,440 |
| Efficiency ratio | 71.4773% | 3,583 |
| Assets per employee ($millions) | 4.2685% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7687% | 2,133 |
| Loan loss allowance to noncurrent loans | 4,673.3333% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 5,635 |
| Noncurrent loans to loans | 0.0378% | 6,036 |
| Net loans and leases to total assets | 82.9180% | 298 |
| Net loans and leases to deposits | 105.3611% | 250 |
| Net loans and leases to core deposits | 108.0168% | 673 |
| Total domestic deposits to total assets | 78.6989% | 5,727 |
| Equity capital to assets | 8.4137% | 5,732 |
| Core capital (leverage) ratio | 8.6058% | 5,520 |
| Tier 1 risk-based capital ratio | 11.1363% | 6,105 |
| Total risk-based capital ratio | 12.3950% | 6,050 |
| Memoranda: | ||
| Average total assets | $92,296,500 | 4,909 |
| Average earning assets | $88,794,500 | 4,806 |
| Average equity | $7,776,000 | 5,349 |
| Average total loans | $78,739,000 | 3,976 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3176% | 2,891 |
| Cost of funding earning assets | 0.8424% | 984 |
| Net interest margin | 3.4751% | 4,006 |
| Noninterest income to average assets | 0.7021% | 2,530 |
| Noninterest expense to average assets | 3.1845% | 2,464 |
| Loan and lease loss provision to assets | 0.1973% | 1,879 |
| Net operating income to assets | 0.8472% | 3,051 |
| Return on assets (ROA) | 0.8472% | 3,128 |
| Pretax return on assets | 0.6476% | 4,713 |
| Return on Equity (ROE) | 10.0178% | 2,103 |
| Retained earnings to average equity (ytd only) | 10.0178% | 559 |
| Net charge-offs to loans | -0.0193% | 6,132 |
| Credit loss provision to net charge-offs | -1,214.2857% | 6,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0323% | 2,312 |
| Assets per employee ($millions) | 4.1221% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7581% | 2,199 |
| Loan loss allowance to noncurrent loans | 3,618.4211% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 5,648 |
| Noncurrent loans to loans | 0.0486% | 6,083 |
| Net loans and leases to total assets | 84.7266% | 210 |
| Net loans and leases to deposits | 108.4978% | 193 |
| Net loans and leases to core deposits | 112.2005% | 532 |
| Total domestic deposits to total assets | 78.0906% | 5,816 |
| Equity capital to assets | 8.4367% | 5,651 |
| Core capital (leverage) ratio | 8.7328% | 5,377 |
| Tier 1 risk-based capital ratio | 10.9634% | 6,188 |
| Total risk-based capital ratio | 12.2229% | 6,136 |
| Memoranda: | ||
| Average total assets | $86,167,800 | 5,078 |
| Average earning assets | $82,500,200 | 4,968 |
| Average equity | $7,287,000 | 5,500 |
| Average total loans | $72,648,600 | 4,175 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 2,908 |
| Cost of funding earning assets | 0.8700% | 947 |
| Net interest margin | 3.4491% | 4,090 |
| Noninterest income to average assets | 0.7636% | 2,302 |
| Noninterest expense to average assets | 3.2283% | 2,273 |
| Loan and lease loss provision to assets | 0.1254% | 2,727 |
| Net operating income to assets | 0.7996% | 3,345 |
| Return on assets (ROA) | 0.7996% | 3,479 |
| Pretax return on assets | 0.7102% | 4,660 |
| Return on Equity (ROE) | 9.4494% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.4494% | 922 |
| Net charge-offs to loans | -0.0168% | 6,009 |
| Credit loss provision to net charge-offs | -888.8889% | 6,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4367% | 2,193 |
| Assets per employee ($millions) | 4.0832% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7466% | 2,468 |
| Loan loss allowance to noncurrent loans | 3,121.9512% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 5,767 |
| Noncurrent loans to loans | 0.0559% | 6,179 |
| Net loans and leases to total assets | 83.9726% | 251 |
| Net loans and leases to deposits | 107.2526% | 208 |
| Net loans and leases to core deposits | 109.0127% | 619 |
| Total domestic deposits to total assets | 78.2943% | 5,859 |
| Equity capital to assets | 8.6650% | 5,551 |
| Core capital (leverage) ratio | 8.6067% | 5,650 |
| Tier 1 risk-based capital ratio | 11.4264% | 6,091 |
| Total risk-based capital ratio | 12.6859% | 6,049 |
| Memoranda: | ||
| Average total assets | $85,038,000 | 5,160 |
| Average earning assets | $81,373,000 | 5,040 |
| Average equity | $7,196,000 | 5,585 |
| Average total loans | $71,258,000 | 4,253 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3068% | 2,931 |
| Cost of funding earning assets | 0.8920% | 942 |
| Net interest margin | 3.4148% | 4,137 |
| Noninterest income to average assets | 0.8042% | 2,170 |
| Noninterest expense to average assets | 3.3513% | 1,931 |
| Loan and lease loss provision to assets | 0.1274% | 2,724 |
| Net operating income to assets | 0.8207% | 3,191 |
| Return on assets (ROA) | 0.8207% | 3,350 |
| Pretax return on assets | 0.5849% | 5,077 |
| Return on Equity (ROE) | 9.7780% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.7780% | 894 |
| Net charge-offs to loans | -0.0198% | 5,969 |
| Credit loss provision to net charge-offs | -771.4286% | 5,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4724% | 1,825 |
| Assets per employee ($millions) | 4.0510% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7233% | 2,694 |
| Loan loss allowance to noncurrent loans | 2,980.9524% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 5,792 |
| Noncurrent loans to loans | 0.0578% | 6,216 |
| Net loans and leases to total assets | 83.9289% | 242 |
| Net loans and leases to deposits | 107.2604% | 195 |
| Net loans and leases to core deposits | 109.0309% | 601 |
| Total domestic deposits to total assets | 78.2478% | 5,936 |
| Equity capital to assets | 8.5445% | 5,725 |
| Core capital (leverage) ratio | 8.6023% | 5,557 |
| Tier 1 risk-based capital ratio | 11.1486% | 6,267 |
| Total risk-based capital ratio | 12.4082% | 6,240 |
| Memoranda: | ||
| Average total assets | $84,801,670 | 5,201 |
| Average earning assets | $80,941,330 | 5,092 |
| Average equity | $7,118,000 | 5,654 |
| Average total loans | $70,582,670 | 4,293 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 2,532 |
| Cost of funding earning assets | 0.9482% | 791 |
| Net interest margin | 3.4501% | 3,910 |
| Noninterest income to average assets | 0.9071% | 1,736 |
| Noninterest expense to average assets | 3.6142% | 1,395 |
| Loan and lease loss provision to assets | 0.2551% | 1,400 |
| Net operating income to assets | 1.1480% | 1,685 |
| Return on assets (ROA) | 1.1480% | 1,791 |
| Pretax return on assets | 0.3213% | 5,803 |
| Return on Equity (ROE) | 13.8019% | 998 |
| Retained earnings to average equity (ytd only) | 13.8019% | 467 |
| Net charge-offs to loans | -0.0288% | 5,877 |
| Credit loss provision to net charge-offs | -1,080.0000% | 5,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2458% | 1,482 |
| Assets per employee ($millions) | 3.9920% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 2,436 |
| Loan loss allowance to noncurrent loans | 5,208.3333% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 5,927 |
| Noncurrent loans to loans | 0.0356% | 6,383 |
| Net loans and leases to total assets | 78.9713% | 515 |
| Net loans and leases to deposits | 100.9069% | 317 |
| Net loans and leases to core deposits | 101.6865% | 844 |
| Total domestic deposits to total assets | 78.2615% | 6,078 |
| Equity capital to assets | 8.5456% | 5,973 |
| Core capital (leverage) ratio | 8.3094% | 5,815 |
| Tier 1 risk-based capital ratio | 11.5755% | 6,140 |
| Total risk-based capital ratio | 12.8356% | 6,106 |
| Memoranda: | ||
| Average total assets | $84,666,500 | 5,244 |
| Average earning assets | $80,577,000 | 5,138 |
| Average equity | $7,042,500 | 5,733 |
| Average total loans | $69,548,000 | 4,357 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 2,652 |
| Cost of funding earning assets | 1.1947% | 597 |
| Net interest margin | 3.4912% | 4,531 |
| Noninterest income to average assets | 0.9395% | 1,742 |
| Noninterest expense to average assets | 3.9395% | 1,054 |
| Loan and lease loss provision to assets | 0.2483% | 2,673 |
| Net operating income to assets | 0.2561% | 5,615 |
| Return on assets (ROA) | 0.2561% | 5,820 |
| Pretax return on assets | 0.0849% | 6,176 |
| Return on Equity (ROE) | 2.9492% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.9492% | 4,151 |
| Net charge-offs to loans | 0.1888% | 3,866 |
| Credit loss provision to net charge-offs | 166.6667% | 1,592 |
| Earnings coverage of net charge-offs (x) | 2.2368% | 4,308 |
| Efficiency ratio | 92.2018% | 900 |
| Assets per employee ($millions) | 4.0714% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 3,077 |
| Loan loss allowance to noncurrent loans | 4,580.7692% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 5,571 |
| Noncurrent loans to loans | 0.0363% | 6,416 |
| Net loans and leases to total assets | 82.3988% | 306 |
| Net loans and leases to deposits | 108.7307% | 176 |
| Net loans and leases to core deposits | 109.5797% | 552 |
| Total domestic deposits to total assets | 75.7825% | 6,382 |
| Equity capital to assets | 8.0947% | 6,355 |
| Core capital (leverage) ratio | 8.7604% | 5,246 |
| Tier 1 risk-based capital ratio | 10.6929% | 6,477 |
| Total risk-based capital ratio | 11.9506% | 6,439 |
| Memoranda: | ||
| Average total assets | $76,533,400 | 5,446 |
| Average earning assets | $73,070,400 | 5,338 |
| Average equity | $6,645,800 | 5,861 |
| Average total loans | $60,384,200 | 4,693 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 2,644 |
| Cost of funding earning assets | 1.2522% | 549 |
| Net interest margin | 3.4824% | 4,709 |
| Noninterest income to average assets | 0.9081% | 1,805 |
| Noninterest expense to average assets | 3.7060% | 1,355 |
| Loan and lease loss provision to assets | 0.1579% | 3,539 |
| Net operating income to assets | 0.3733% | 5,359 |
| Return on assets (ROA) | 0.3733% | 5,560 |
| Pretax return on assets | 0.3733% | 5,784 |
| Return on Equity (ROE) | 4.2167% | 5,186 |
| Retained earnings to average equity (ytd only) | 4.2167% | 3,927 |
| Net charge-offs to loans | 0.0718% | 4,691 |
| Credit loss provision to net charge-offs | 283.8710% | 954 |
| Earnings coverage of net charge-offs (x) | 9.5490% | 2,310 |
| Efficiency ratio | 87.4629% | 1,255 |
| Assets per employee ($millions) | 3.7658% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8987% | 2,482 |
| Loan loss allowance to noncurrent loans | 1,028.0702% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 5,382 |
| Noncurrent loans to loans | 0.1847% | 6,147 |
| Net loans and leases to total assets | 76.5724% | 886 |
| Net loans and leases to deposits | 101.5070% | 378 |
| Net loans and leases to core deposits | 102.8343% | 940 |
| Total domestic deposits to total assets | 75.4356% | 6,463 |
| Equity capital to assets | 8.7668% | 6,049 |
| Core capital (leverage) ratio | 8.7668% | 5,385 |
| Tier 1 risk-based capital ratio | 12.4005% | 5,701 |
| Total risk-based capital ratio | 13.6615% | 5,668 |
| Memoranda: | ||
| Average total assets | $74,291,750 | 5,560 |
| Average earning assets | $71,021,250 | 5,459 |
| Average equity | $6,577,000 | 5,941 |
| Average total loans | $57,569,750 | 4,859 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8252% | 2,409 |
| Cost of funding earning assets | 1.2804% | 574 |
| Net interest margin | 3.5448% | 4,487 |
| Noninterest income to average assets | 0.8336% | 2,040 |
| Noninterest expense to average assets | 3.7774% | 1,249 |
| Loan and lease loss provision to assets | 0.0633% | 4,861 |
| Net operating income to assets | 0.3824% | 5,283 |
| Return on assets (ROA) | 0.3824% | 5,517 |
| Pretax return on assets | 0.3824% | 5,746 |
| Return on Equity (ROE) | 4.3045% | 5,130 |
| Retained earnings to average equity (ytd only) | 4.3045% | 3,747 |
| Net charge-offs to loans | 0.1566% | 3,664 |
| Credit loss provision to net charge-offs | 52.2727% | 3,988 |
| Earnings coverage of net charge-offs (x) | 3.6818% | 3,303 |
| Efficiency ratio | 89.4463% | 1,123 |
| Assets per employee ($millions) | 3.3869% | 5,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 2,695 |
| Loan loss allowance to noncurrent loans | 425.6809% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 5,382 |
| Noncurrent loans to loans | 0.4353% | 5,662 |
| Net loans and leases to total assets | 77.7593% | 753 |
| Net loans and leases to deposits | 96.4413% | 601 |
| Net loans and leases to core deposits | 97.2801% | 1,320 |
| Total domestic deposits to total assets | 80.6286% | 5,582 |
| Equity capital to assets | 9.2119% | 5,450 |
| Core capital (leverage) ratio | 9.2119% | 4,592 |
| Tier 1 risk-based capital ratio | 12.6843% | 5,429 |
| Total risk-based capital ratio | 13.9446% | 5,393 |
| Memoranda: | ||
| Average total assets | $72,695,000 | 5,647 |
| Average earning assets | $69,510,670 | 5,538 |
| Average equity | $6,458,330 | 5,995 |
| Average total loans | $56,184,000 | 4,948 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7682% | 2,769 |
| Cost of funding earning assets | 1.3041% | 622 |
| Net interest margin | 3.4641% | 4,853 |
| Noninterest income to average assets | 0.7689% | 2,305 |
| Noninterest expense to average assets | 3.7444% | 1,308 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3399% | 5,514 |
| Return on assets (ROA) | 0.3399% | 5,693 |
| Pretax return on assets | 0.3399% | 5,880 |
| Return on Equity (ROE) | 3.9006% | 5,340 |
| Retained earnings to average equity (ytd only) | 3.9006% | 4,251 |
| Net charge-offs to loans | 0.4018% | 2,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.1091% | 3,781 |
| Efficiency ratio | 91.6780% | 965 |
| Assets per employee ($millions) | 3.5228% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8530% | 2,833 |
| Loan loss allowance to noncurrent loans | 751.7730% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 5,869 |
| Noncurrent loans to loans | 0.2465% | 6,196 |
| Net loans and leases to total assets | 75.8905% | 813 |
| Net loans and leases to deposits | 93.8626% | 678 |
| Net loans and leases to core deposits | 94.2613% | 1,444 |
| Total domestic deposits to total assets | 80.8527% | 5,646 |
| Equity capital to assets | 8.4970% | 6,082 |
| Core capital (leverage) ratio | 8.4970% | 5,599 |
| Tier 1 risk-based capital ratio | 12.1069% | 5,891 |
| Total risk-based capital ratio | 13.3684% | 5,862 |
| Memoranda: | ||
| Average total assets | $71,786,500 | 5,719 |
| Average earning assets | $68,705,000 | 5,609 |
| Average equity | $6,255,500 | 6,083 |
| Average total loans | $54,759,000 | 5,034 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 5,389 |
| Cost of funding earning assets | 1.5022% | 715 |
| Net interest margin | 2.9053% | 6,678 |
| Noninterest income to average assets | 0.9753% | 1,438 |
| Noninterest expense to average assets | 4.6345% | 510 |
| Loan and lease loss provision to assets | 0.5162% | 2,038 |
| Net operating income to assets | -1.3886% | 6,882 |
| Return on assets (ROA) | -1.3886% | 6,902 |
| Pretax return on assets | -1.3886% | 6,867 |
| Return on Equity (ROE) | -13.3807% | 6,847 |
| Retained earnings to average equity (ytd only) | -13.3807% | 6,821 |
| Net charge-offs to loans | 0.2030% | 4,525 |
| Credit loss provision to net charge-offs | 346.8085% | 665 |
| Earnings coverage of net charge-offs (x) | -5.8617% | 6,370 |
| Efficiency ratio | 119.9916% | 309 |
| Assets per employee ($millions) | 3.4797% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1313% | 1,927 |
| Loan loss allowance to noncurrent loans | 240.8207% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8866% | 4,844 |
| Noncurrent loans to loans | 0.8850% | 4,921 |
| Net loans and leases to total assets | 73.5696% | 1,344 |
| Net loans and leases to deposits | 94.1834% | 802 |
| Net loans and leases to core deposits | 94.6221% | 1,626 |
| Total domestic deposits to total assets | 78.1131% | 6,172 |
| Equity capital to assets | 8.9447% | 5,616 |
| Core capital (leverage) ratio | 8.9447% | 4,874 |
| Tier 1 risk-based capital ratio | 12.1499% | 5,727 |
| Total risk-based capital ratio | 13.4108% | 5,693 |
| Memoranda: | ||
| Average total assets | $63,157,000 | 5,950 |
| Average earning assets | $60,578,400 | 5,848 |
| Average equity | $6,554,200 | 5,996 |
| Average total loans | $46,300,800 | 5,414 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4114% | 5,572 |
| Cost of funding earning assets | 1.5737% | 655 |
| Net interest margin | 2.8377% | 6,843 |
| Noninterest income to average assets | 0.6997% | 2,610 |
| Noninterest expense to average assets | 4.7247% | 473 |
| Loan and lease loss provision to assets | 0.7062% | 1,359 |
| Net operating income to assets | -2.0125% | 7,140 |
| Return on assets (ROA) | -2.0125% | 7,148 |
| Pretax return on assets | -2.0125% | 7,126 |
| Return on Equity (ROE) | -18.6641% | 7,079 |
| Retained earnings to average equity (ytd only) | -18.6641% | 7,062 |
| Net charge-offs to loans | 0.4494% | 2,926 |
| Credit loss provision to net charge-offs | 215.8940% | 1,331 |
| Earnings coverage of net charge-offs (x) | -3.9933% | 6,081 |
| Efficiency ratio | 134.7909% | 200 |
| Assets per employee ($millions) | 2.9257% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1049% | 2,053 |
| Loan loss allowance to noncurrent loans | 196.8401% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 1.0891% | 4,580 |
| Noncurrent loans to loans | 1.0694% | 4,776 |
| Net loans and leases to total assets | 76.5171% | 907 |
| Net loans and leases to deposits | 100.2442% | 463 |
| Net loans and leases to core deposits | 100.7590% | 1,184 |
| Total domestic deposits to total assets | 76.3307% | 6,484 |
| Equity capital to assets | 9.5905% | 4,946 |
| Core capital (leverage) ratio | 9.5905% | 4,011 |
| Tier 1 risk-based capital ratio | 12.4735% | 5,509 |
| Total risk-based capital ratio | 13.7344% | 5,493 |
| Memoranda: | ||
| Average total assets | $61,547,750 | 6,046 |
| Average earning assets | $58,967,250 | 5,942 |
| Average equity | $6,636,500 | 6,016 |
| Average total loans | $44,797,250 | 5,526 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 5,953 |
| Cost of funding earning assets | 1.6204% | 648 |
| Net interest margin | 2.7007% | 7,026 |
| Noninterest income to average assets | 0.5379% | 3,577 |
| Noninterest expense to average assets | 4.3624% | 694 |
| Loan and lease loss provision to assets | 1.0758% | 771 |
| Net operating income to assets | -2.3099% | 7,242 |
| Return on assets (ROA) | -2.3099% | 7,246 |
| Pretax return on assets | -2.3099% | 7,226 |
| Return on Equity (ROE) | -20.6155% | 7,157 |
| Retained earnings to average equity (ytd only) | -20.6155% | 7,142 |
| Net charge-offs to loans | 0.4795% | 2,663 |
| Credit loss provision to net charge-offs | 316.5049% | 963 |
| Earnings coverage of net charge-offs (x) | -3.6311% | 5,776 |
| Efficiency ratio | 135.9705% | 218 |
| Assets per employee ($millions) | 2.5609% | 6,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3759% | 1,630 |
| Loan loss allowance to noncurrent loans | 335.4545% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 5,391 |
| Noncurrent loans to loans | 0.7083% | 5,493 |
| Net loans and leases to total assets | 71.0475% | 1,992 |
| Net loans and leases to deposits | 91.6391% | 1,099 |
| Net loans and leases to core deposits | 92.1049% | 2,112 |
| Total domestic deposits to total assets | 77.5296% | 6,365 |
| Equity capital to assets | 9.9997% | 4,154 |
| Core capital (leverage) ratio | 9.9997% | 3,264 |
| Tier 1 risk-based capital ratio | 13.6140% | 4,445 |
| Total risk-based capital ratio | 14.8772% | 4,417 |
| Memoranda: | ||
| Average total assets | $60,608,330 | 6,120 |
| Average earning assets | $58,133,670 | 6,021 |
| Average equity | $6,791,000 | 5,988 |
| Average total loans | $42,959,670 | 5,665 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2245% | 6,222 |
| Cost of funding earning assets | 1.6601% | 652 |
| Net interest margin | 2.5644% | 7,152 |
| Noninterest income to average assets | 0.5297% | 3,658 |
| Noninterest expense to average assets | 4.2851% | 737 |
| Loan and lease loss provision to assets | 0.2920% | 2,821 |
| Net operating income to assets | -1.5823% | 7,218 |
| Return on assets (ROA) | -1.5823% | 7,219 |
| Pretax return on assets | -1.5823% | 7,185 |
| Return on Equity (ROE) | -13.3419% | 7,108 |
| Retained earnings to average equity (ytd only) | -13.3419% | 6,986 |
| Net charge-offs to loans | 0.6708% | 1,866 |
| Credit loss provision to net charge-offs | 62.3188% | 3,508 |
| Earnings coverage of net charge-offs (x) | -2.7536% | 4,984 |
| Efficiency ratio | 139.6825% | 213 |
| Assets per employee ($millions) | 2.6944% | 6,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0715% | 2,245 |
| Loan loss allowance to noncurrent loans | 230.3763% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 5,205 |
| Noncurrent loans to loans | 0.8992% | 5,249 |
| Net loans and leases to total assets | 65.3757% | 3,159 |
| Net loans and leases to deposits | 87.3693% | 1,536 |
| Net loans and leases to core deposits | 87.3693% | 2,689 |
| Total domestic deposits to total assets | 74.8269% | 6,821 |
| Equity capital to assets | 11.0842% | 2,610 |
| Core capital (leverage) ratio | 11.0842% | 2,124 |
| Tier 1 risk-based capital ratio | 16.4882% | 2,665 |
| Total risk-based capital ratio | 17.7484% | 2,638 |
| Memoranda: | ||
| Average total assets | $58,901,500 | 6,226 |
| Average earning assets | $56,622,000 | 6,113 |
| Average equity | $6,985,500 | 5,930 |
| Average total loans | $41,143,000 | 5,802 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 6,629 |
| Cost of funding earning assets | 1.9833% | 640 |
| Net interest margin | 2.4083% | 7,313 |
| Noninterest income to average assets | 0.4095% | 4,825 |
| Noninterest expense to average assets | 4.4338% | 694 |
| Loan and lease loss provision to assets | 2.8717% | 351 |
| Net operating income to assets | -4.6156% | 7,501 |
| Return on assets (ROA) | -4.6156% | 7,514 |
| Pretax return on assets | -4.6156% | 7,513 |
| Return on Equity (ROE) | -46.6282% | 7,400 |
| Retained earnings to average equity (ytd only) | -46.6282% | 7,395 |
| Net charge-offs to loans | 3.1707% | 504 |
| Credit loss provision to net charge-offs | 124.6743% | 3,301 |
| Earnings coverage of net charge-offs (x) | -0.7571% | 6,538 |
| Efficiency ratio | 159.8425% | 164 |
| Assets per employee ($millions) | 2.5378% | 6,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1557% | 1,952 |
| Loan loss allowance to noncurrent loans | 48.2495% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 3.2741% | 2,160 |
| Noncurrent loans to loans | 4.4678% | 1,588 |
| Net loans and leases to total assets | 71.7026% | 2,165 |
| Net loans and leases to deposits | 100.0700% | 572 |
| Net loans and leases to core deposits | 101.3802% | 1,505 |
| Total domestic deposits to total assets | 71.6525% | 7,112 |
| Equity capital to assets | 12.7203% | 1,517 |
| Core capital (leverage) ratio | 12.7203% | 1,232 |
| Tier 1 risk-based capital ratio | 17.9371% | 2,016 |
| Total risk-based capital ratio | 19.1999% | 1,976 |
| Memoranda: | ||
| Average total assets | $56,655,600 | 6,324 |
| Average earning assets | $53,648,400 | 6,229 |
| Average equity | $5,608,200 | 6,483 |
| Average total loans | $41,157,600 | 5,877 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 6,722 |
| Cost of funding earning assets | 2.0563% | 623 |
| Net interest margin | 2.3945% | 7,443 |
| Noninterest income to average assets | 0.2603% | 6,037 |
| Noninterest expense to average assets | 4.2066% | 816 |
| Loan and lease loss provision to assets | 2.8161% | 331 |
| Net operating income to assets | -4.5044% | 7,614 |
| Return on assets (ROA) | -4.5044% | 7,624 |
| Pretax return on assets | -4.5044% | 7,605 |
| Return on Equity (ROE) | -48.9282% | 7,553 |
| Retained earnings to average equity (ytd only) | -48.9282% | 7,550 |
| Net charge-offs to loans | 2.9307% | 545 |
| Credit loss provision to net charge-offs | 132.5607% | 3,046 |
| Earnings coverage of net charge-offs (x) | -0.7947% | 6,413 |
| Efficiency ratio | 161.3594% | 160 |
| Assets per employee ($millions) | 2.6164% | 6,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2203% | 1,765 |
| Loan loss allowance to noncurrent loans | 43.7788% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 4.0800% | 1,702 |
| Noncurrent loans to loans | 5.0715% | 1,358 |
| Net loans and leases to total assets | 71.9577% | 2,257 |
| Net loans and leases to deposits | 97.0639% | 879 |
| Net loans and leases to core deposits | 100.5474% | 1,799 |
| Total domestic deposits to total assets | 74.1343% | 6,906 |
| Equity capital to assets | 11.0763% | 2,881 |
| Core capital (leverage) ratio | 11.0763% | 2,206 |
| Tier 1 risk-based capital ratio | 16.1457% | 2,699 |
| Total risk-based capital ratio | 17.4104% | 2,640 |
| Memoranda: | ||
| Average total assets | $56,861,500 | 6,392 |
| Average earning assets | $53,621,250 | 6,292 |
| Average equity | $5,234,750 | 6,659 |
| Average total loans | $41,218,250 | 5,958 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5143% | 6,678 |
| Cost of funding earning assets | 2.0991% | 659 |
| Net interest margin | 2.4151% | 7,463 |
| Noninterest income to average assets | 0.1816% | 6,613 |
| Noninterest expense to average assets | 3.7312% | 1,495 |
| Loan and lease loss provision to assets | 1.0519% | 1,375 |
| Net operating income to assets | -2.3230% | 7,378 |
| Return on assets (ROA) | -2.3230% | 7,392 |
| Pretax return on assets | -2.3230% | 7,325 |
| Return on Equity (ROE) | -26.8639% | 7,394 |
| Retained earnings to average equity (ytd only) | -26.8639% | 7,379 |
| Net charge-offs to loans | 0.0570% | 5,592 |
| Credit loss provision to net charge-offs | 2,558.3333% | 166 |
| Earnings coverage of net charge-offs (x) | -30.9167% | 6,346 |
| Efficiency ratio | 150.2786% | 204 |
| Assets per employee ($millions) | 3.6877% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8240% | 428 |
| Loan loss allowance to noncurrent loans | 70.4159% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 4.1544% | 1,630 |
| Noncurrent loans to loans | 5.4307% | 1,219 |
| Net loans and leases to total assets | 67.7465% | 3,441 |
| Net loans and leases to deposits | 90.6790% | 1,744 |
| Net loans and leases to core deposits | 94.9334% | 2,597 |
| Total domestic deposits to total assets | 74.7103% | 6,883 |
| Equity capital to assets | 8.4299% | 6,252 |
| Core capital (leverage) ratio | 8.4299% | 5,530 |
| Tier 1 risk-based capital ratio | 13.4291% | 4,115 |
| Total risk-based capital ratio | 14.7165% | 4,057 |
| Memoranda: | ||
| Average total assets | $58,372,670 | 6,375 |
| Average earning assets | $55,070,000 | 6,276 |
| Average equity | $5,047,670 | 6,765 |
| Average total loans | $42,121,330 | 5,950 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5345% | 6,719 |
| Cost of funding earning assets | 2.1251% | 745 |
| Net interest margin | 2.4094% | 7,527 |
| Noninterest income to average assets | 0.1336% | 7,018 |
| Noninterest expense to average assets | 3.4657% | 2,065 |
| Loan and lease loss provision to assets | 0.2805% | 3,786 |
| Net operating income to assets | -1.3489% | 7,277 |
| Return on assets (ROA) | -1.3489% | 7,288 |
| Pretax return on assets | -1.3489% | 7,203 |
| Return on Equity (ROE) | -15.4198% | 7,327 |
| Retained earnings to average equity (ytd only) | -15.4198% | 7,227 |
| Net charge-offs to loans | 0.0366% | 5,066 |
| Credit loss provision to net charge-offs | 1,050.0000% | 443 |
| Earnings coverage of net charge-offs (x) | -40.0000% | 5,593 |
| Efficiency ratio | 143.1755% | 235 |
| Assets per employee ($millions) | 4.5728% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9333% | 869 |
| Loan loss allowance to noncurrent loans | 70.8621% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 2.9270% | 2,449 |
| Noncurrent loans to loans | 4.1395% | 1,865 |
| Net loans and leases to total assets | 68.6342% | 3,245 |
| Net loans and leases to deposits | 92.8773% | 1,488 |
| Net loans and leases to core deposits | 100.1645% | 2,111 |
| Total domestic deposits to total assets | 73.8978% | 7,061 |
| Equity capital to assets | 8.6447% | 5,808 |
| Core capital (leverage) ratio | 8.6447% | 5,127 |
| Tier 1 risk-based capital ratio | 13.7421% | 3,839 |
| Total risk-based capital ratio | 15.0176% | 3,775 |
| Memoranda: | ||
| Average total assets | $59,901,500 | 6,388 |
| Average earning assets | $56,280,000 | 6,313 |
| Average equity | $5,240,000 | 6,764 |
| Average total loans | $43,700,000 | 5,949 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4047% | 4,680 |
| Cost of funding earning assets | 2.3505% | 1,455 |
| Net interest margin | 3.0542% | 6,510 |
| Noninterest income to average assets | 1.2132% | 1,044 |
| Noninterest expense to average assets | 4.1059% | 1,221 |
| Loan and lease loss provision to assets | 1.6388% | 1,396 |
| Net operating income to assets | -2.6772% | 7,313 |
| Return on assets (ROA) | -2.6772% | 7,325 |
| Pretax return on assets | -1.6494% | 6,786 |
| Return on Equity (ROE) | -24.3167% | 7,272 |
| Retained earnings to average equity (ytd only) | -24.3167% | 7,245 |
| Net charge-offs to loans | 0.8668% | 2,665 |
| Credit loss provision to net charge-offs | 228.0098% | 1,626 |
| Earnings coverage of net charge-offs (x) | -0.0147% | 6,219 |
| Efficiency ratio | 99.5688% | 1,126 |
| Assets per employee ($millions) | 4.6428% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6341% | 1,089 |
| Loan loss allowance to noncurrent loans | 71.9446% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 2.7520% | 2,537 |
| Noncurrent loans to loans | 3.6613% | 2,055 |
| Net loans and leases to total assets | 73.1841% | 2,455 |
| Net loans and leases to deposits | 103.9831% | 645 |
| Net loans and leases to core deposits | 118.2529% | 2,100 |
| Total domestic deposits to total assets | 70.3807% | 7,385 |
| Equity capital to assets | 8.8492% | 5,357 |
| Core capital (leverage) ratio | 8.8492% | 4,687 |
| Tier 1 risk-based capital ratio | 12.8223% | 4,269 |
| Total risk-based capital ratio | 14.0923% | 4,205 |
| Memoranda: | ||
| Average total assets | $56,626,400 | 6,469 |
| Average earning assets | $53,435,400 | 6,398 |
| Average equity | $6,234,400 | 6,521 |
| Average total loans | $46,953,600 | 5,810 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3505% | 5,174 |
| Cost of funding earning assets | 2.3774% | 1,710 |
| Net interest margin | 2.9730% | 6,677 |
| Noninterest income to average assets | 1.3694% | 806 |
| Noninterest expense to average assets | 4.3139% | 898 |
| Loan and lease loss provision to assets | 1.4579% | 1,315 |
| Net operating income to assets | -2.9757% | 7,576 |
| Return on assets (ROA) | -2.9757% | 7,586 |
| Pretax return on assets | -1.5824% | 7,006 |
| Return on Equity (ROE) | -25.6636% | 7,518 |
| Retained earnings to average equity (ytd only) | -25.6636% | 7,497 |
| Net charge-offs to loans | 0.9095% | 2,152 |
| Credit loss provision to net charge-offs | 188.5449% | 2,414 |
| Earnings coverage of net charge-offs (x) | -0.1610% | 6,248 |
| Efficiency ratio | 102.2857% | 969 |
| Assets per employee ($millions) | 3.5334% | 4,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9546% | 1,902 |
| Loan loss allowance to noncurrent loans | 190.0990% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.8933% | 5,290 |
| Noncurrent loans to loans | 1.0282% | 5,250 |
| Net loans and leases to total assets | 85.1756% | 423 |
| Net loans and leases to deposits | 130.8213% | 105 |
| Net loans and leases to core deposits | 145.1034% | 722 |
| Total domestic deposits to total assets | 65.1083% | 7,720 |
| Equity capital to assets | 9.9301% | 4,172 |
| Core capital (leverage) ratio | 9.9301% | 3,365 |
| Tier 1 risk-based capital ratio | 12.5985% | 4,472 |
| Total risk-based capital ratio | 13.8597% | 4,415 |
| Memoranda: | ||
| Average total assets | $55,694,000 | 6,556 |
| Average earning assets | $52,829,000 | 6,463 |
| Average equity | $6,457,750 | 6,501 |
| Average total loans | $47,350,500 | 5,833 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1868% | 6,130 |
| Cost of funding earning assets | 2.4808% | 1,675 |
| Net interest margin | 2.7060% | 7,182 |
| Noninterest income to average assets | 1.5592% | 617 |
| Noninterest expense to average assets | 4.3960% | 859 |
| Loan and lease loss provision to assets | 1.1766% | 1,461 |
| Net operating income to assets | -0.9673% | 6,952 |
| Return on assets (ROA) | -0.9673% | 6,954 |
| Pretax return on assets | -1.4545% | 7,068 |
| Return on Equity (ROE) | -7.9537% | 6,888 |
| Retained earnings to average equity (ytd only) | -7.9537% | 6,662 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0473% | 968 |
| Assets per employee ($millions) | 3.2736% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0452% | 1,484 |
| Loan loss allowance to noncurrent loans | 169.2047% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 1.0620% | 4,846 |
| Noncurrent loans to loans | 1.2087% | 4,799 |
| Net loans and leases to total assets | 86.0598% | 374 |
| Net loans and leases to deposits | 129.3349% | 126 |
| Net loans and leases to core deposits | 159.0159% | 470 |
| Total domestic deposits to total assets | 66.5403% | 7,709 |
| Equity capital to assets | 11.8396% | 2,300 |
| Core capital (leverage) ratio | 10.6890% | 2,674 |
| Tier 1 risk-based capital ratio | 13.0884% | 4,078 |
| Total risk-based capital ratio | 14.3500% | 3,987 |
| Memoranda: | ||
| Average total assets | $55,413,670 | 6,620 |
| Average earning assets | $52,402,000 | 6,534 |
| Average equity | $6,739,000 | 6,453 |
| Average total loans | $46,762,670 | 5,904 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2637% | 6,052 |
| Cost of funding earning assets | 2.5514% | 1,734 |
| Net interest margin | 2.7123% | 7,174 |
| Noninterest income to average assets | 1.2298% | 945 |
| Noninterest expense to average assets | 4.3983% | 787 |
| Loan and lease loss provision to assets | 0.3328% | 3,331 |
| Net operating income to assets | -0.6221% | 6,984 |
| Return on assets (ROA) | -0.6221% | 7,026 |
| Pretax return on assets | -0.9404% | 7,124 |
| Return on Equity (ROE) | -5.0484% | 6,980 |
| Retained earnings to average equity (ytd only) | -5.0484% | 6,554 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2672% | 708 |
| Assets per employee ($millions) | 3.5854% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 2,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 79.3121% | 1,514 |
| Net loans and leases to deposits | 119.5455% | 300 |
| Net loans and leases to core deposits | 145.7087% | 876 |
| Total domestic deposits to total assets | 66.3448% | 7,710 |
| Equity capital to assets | 11.8030% | 2,380 |
| Core capital (leverage) ratio | 10.8299% | 2,637 |
| Tier 1 risk-based capital ratio | 14.7684% | 3,171 |
| Total risk-based capital ratio | 16.0254% | 3,102 |
| Memoranda: | ||
| Average total assets | $55,294,500 | 6,660 |
| Average earning assets | $52,207,000 | 6,566 |
| Average equity | $6,814,000 | 6,473 |
| Average total loans | $45,697,000 | 5,975 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8056% | 6,406 |
| Cost of funding earning assets | 2.6176% | 3,592 |
| Net interest margin | 3.1881% | 6,396 |
| Noninterest income to average assets | 0.7830% | 2,605 |
| Noninterest expense to average assets | 5.1562% | 589 |
| Loan and lease loss provision to assets | 1.4951% | 906 |
| Net operating income to assets | -1.8999% | 7,587 |
| Return on assets (ROA) | -1.8999% | 7,542 |
| Pretax return on assets | -2.8632% | 7,674 |
| Return on Equity (ROE) | -8.9712% | 7,194 |
| Retained earnings to average equity (ytd only) | -8.9712% | 6,966 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.4134% | 429 |
| Assets per employee ($millions) | 2.9568% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 2,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 83.6139% | 952 |
| Net loans and leases to deposits | 133.5925% | 168 |
| Net loans and leases to core deposits | 149.3072% | 878 |
| Total domestic deposits to total assets | 62.5888% | 7,857 |
| Equity capital to assets | 12.8838% | 1,836 |
| Core capital (leverage) ratio | 11.9206% | 2,011 |
| Tier 1 risk-based capital ratio | 15.1365% | 2,982 |
| Total risk-based capital ratio | 16.3909% | 2,908 |
| Memoranda: | ||
| Average total assets | $33,843,000 | 7,470 |
| Average earning assets | $31,900,000 | 7,414 |
| Average equity | $7,167,400 | 6,398 |
| Average total loans | $29,577,600 | 6,732 |