Home > Oakwood Bank > Performance and Condition Ratios
Oakwood Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5734% | 324 |
| Cost of funding earning assets | 2.7428% | 230 |
| Net interest margin | 3.8306% | 1,511 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.5888% | 2,038 |
| Loan and lease loss provision to assets | 0.4200% | 228 |
| Net operating income to assets | 0.6169% | 3,400 |
| Return on assets (ROA) | 0.6169% | 3,385 |
| Pretax return on assets | 0.7754% | 3,270 |
| Return on Equity (ROE) | 5.6800% | 3,588 |
| Retained earnings to average equity (ytd only) | 5.6793% | 2,362 |
| Net charge-offs to loans | 0.6160% | 160 |
| Credit loss provision to net charge-offs | 85.3448% | 1,980 |
| Earnings coverage of net charge-offs (x) | 2.3936% | 2,696 |
| Efficiency ratio | 68.0248% | 2,107 |
| Assets per employee ($millions) | 11.2351% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6546% | 4,180 |
| Loan loss allowance to noncurrent loans | 105.8372% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 1,166 |
| Noncurrent loans to loans | 0.6185% | 1,277 |
| Net loans and leases to total assets | 77.0700% | 966 |
| Net loans and leases to deposits | 88.7561% | 1,368 |
| Net loans and leases to core deposits | 100.3998% | 1,412 |
| Total domestic deposits to total assets | 86.8300% | 1,738 |
| Equity capital to assets | 10.7589% | 1,601 |
| Core capital (leverage) ratio | 10.1818% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7310% | 2,648 |
| Memoranda: | ||
| Average total assets | $815,404,000 | 1,163 |
| Average earning assets | $766,194,000 | 1,148 |
| Average equity | $88,567,800 | 1,044 |
| Average total loans | $659,062,200 | 1,016 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4733% | 312 |
| Cost of funding earning assets | 2.5316% | 256 |
| Net interest margin | 3.9417% | 1,319 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.6142% | 1,901 |
| Loan and lease loss provision to assets | 0.3400% | 262 |
| Net operating income to assets | 0.7138% | 3,282 |
| Return on assets (ROA) | 0.7138% | 3,270 |
| Pretax return on assets | 0.8972% | 3,109 |
| Return on Equity (ROE) | 6.5600% | 3,529 |
| Retained earnings to average equity (ytd only) | 6.5556% | 2,444 |
| Net charge-offs to loans | 0.4157% | 202 |
| Credit loss provision to net charge-offs | 100.0486% | 1,616 |
| Earnings coverage of net charge-offs (x) | 3.6309% | 2,433 |
| Efficiency ratio | 67.5011% | 2,071 |
| Assets per employee ($millions) | 10.7215% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7353% | 4,090 |
| Loan loss allowance to noncurrent loans | 77.0873% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7660% | 726 |
| Noncurrent loans to loans | 0.9538% | 863 |
| Net loans and leases to total assets | 79.7200% | 681 |
| Net loans and leases to deposits | 91.9977% | 1,049 |
| Net loans and leases to core deposits | 104.5610% | 1,088 |
| Total domestic deposits to total assets | 86.6600% | 1,996 |
| Equity capital to assets | 10.8324% | 1,414 |
| Core capital (leverage) ratio | 10.5330% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5166% | 2,722 |
| Memoranda: | ||
| Average total assets | $808,596,500 | 1,169 |
| Average earning assets | $759,450,500 | 1,156 |
| Average equity | $88,045,250 | 1,047 |
| Average total loans | $660,406,000 | 1,010 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3618% | 297 |
| Cost of funding earning assets | 2.3168% | 267 |
| Net interest margin | 4.0450% | 1,164 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.5065% | 2,185 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 0.9204% | 2,687 |
| Return on assets (ROA) | 0.9204% | 2,669 |
| Pretax return on assets | 1.1587% | 2,480 |
| Return on Equity (ROE) | 8.4400% | 3,130 |
| Retained earnings to average equity (ytd only) | 8.4376% | 1,834 |
| Net charge-offs to loans | 0.0006% | 2,424 |
| Credit loss provision to net charge-offs | 62,500.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 2,893.5000% | 40 |
| Efficiency ratio | 63.0347% | 2,588 |
| Assets per employee ($millions) | 10.4924% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 3,649 |
| Loan loss allowance to noncurrent loans | 65.7573% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.1675% | 358 |
| Noncurrent loans to loans | 1.4342% | 481 |
| Net loans and leases to total assets | 80.6400% | 566 |
| Net loans and leases to deposits | 93.5131% | 908 |
| Net loans and leases to core deposits | 106.1946% | 979 |
| Total domestic deposits to total assets | 86.2300% | 2,162 |
| Equity capital to assets | 11.1467% | 1,323 |
| Core capital (leverage) ratio | 10.6036% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7896% | 2,683 |
| Memoranda: | ||
| Average total assets | $802,942,667 | 1,177 |
| Average earning assets | $754,063,667 | 1,161 |
| Average equity | $87,584,333 | 1,045 |
| Average total loans | $659,530,667 | 993 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2132% | 247 |
| Cost of funding earning assets | 2.0314% | 280 |
| Net interest margin | 4.1818% | 978 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.3781% | 2,589 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.2620% | 1,770 |
| Return on assets (ROA) | 1.2620% | 1,739 |
| Pretax return on assets | 1.5897% | 1,488 |
| Return on Equity (ROE) | 11.7000% | 2,295 |
| Retained earnings to average equity (ytd only) | 11.6964% | 1,321 |
| Net charge-offs to loans | 0.0012% | 2,008 |
| Credit loss provision to net charge-offs | 11,250.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 1,713.5000% | 49 |
| Efficiency ratio | 57.8557% | 3,206 |
| Assets per employee ($millions) | 10.8757% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7726% | 4,134 |
| Loan loss allowance to noncurrent loans | 121.7049% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 996 |
| Noncurrent loans to loans | 0.6348% | 1,184 |
| Net loans and leases to total assets | 81.3400% | 432 |
| Net loans and leases to deposits | 97.9257% | 543 |
| Net loans and leases to core deposits | 107.5344% | 778 |
| Total domestic deposits to total assets | 83.0600% | 3,285 |
| Equity capital to assets | 10.9210% | 1,371 |
| Core capital (leverage) ratio | 10.4962% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1715% | 2,922 |
| Memoranda: | ||
| Average total assets | $805,701,000 | 1,194 |
| Average earning assets | $756,904,000 | 1,173 |
| Average equity | $86,933,000 | 1,060 |
| Average total loans | $664,715,000 | 1,005 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 892 |
| Cost of funding earning assets | 0.7615% | 451 |
| Net interest margin | 3.6329% | 1,546 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.1902% | 3,056 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.0202% | 2,496 |
| Return on assets (ROA) | 1.0202% | 2,441 |
| Pretax return on assets | 1.2838% | 2,146 |
| Return on Equity (ROE) | 9.5400% | 2,957 |
| Retained earnings to average equity (ytd only) | 9.5427% | 1,300 |
| Net charge-offs to loans | 0.0012% | 2,530 |
| Credit loss provision to net charge-offs | 16,128.5714% | 48 |
| Earnings coverage of net charge-offs (x) | 1,548.7143% | 114 |
| Efficiency ratio | 59.8760% | 3,076 |
| Assets per employee ($millions) | 10.9000% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7185% | 4,187 |
| 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 | 82.4300% | 375 |
| Net loans and leases to deposits | 103.9081% | 306 |
| Net loans and leases to core deposits | 117.4200% | 418 |
| Total domestic deposits to total assets | 79.3300% | 3,963 |
| Equity capital to assets | 10.6587% | 1,391 |
| Core capital (leverage) ratio | 10.4058% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7397% | 3,003 |
| Memoranda: | ||
| Average total assets | $756,505,800 | 1,234 |
| Average earning assets | $716,759,000 | 1,207 |
| Average equity | $80,878,800 | 1,122 |
| Average total loans | $605,453,000 | 1,027 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 1,333 |
| Cost of funding earning assets | 0.5563% | 561 |
| Net interest margin | 3.4120% | 1,939 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.1543% | 3,060 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.8996% | 2,865 |
| Return on assets (ROA) | 0.8996% | 2,845 |
| Pretax return on assets | 1.1312% | 2,625 |
| Return on Equity (ROE) | 8.4100% | 3,200 |
| Retained earnings to average equity (ytd only) | 8.4079% | 1,849 |
| Net charge-offs to loans | 0.0016% | 2,249 |
| Credit loss provision to net charge-offs | 11,842.8571% | 49 |
| Earnings coverage of net charge-offs (x) | 1,020.1429% | 148 |
| Efficiency ratio | 62.1073% | 2,816 |
| Assets per employee ($millions) | 11.3645% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7016% | 4,244 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 81.4400% | 411 |
| Net loans and leases to deposits | 96.9478% | 499 |
| Net loans and leases to core deposits | 106.5839% | 572 |
| Total domestic deposits to total assets | 84.0000% | 3,509 |
| Equity capital to assets | 10.5948% | 1,335 |
| Core capital (leverage) ratio | 10.3944% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0368% | 3,035 |
| Memoranda: | ||
| Average total assets | $743,983,000 | 1,266 |
| Average earning assets | $706,515,750 | 1,234 |
| Average equity | $79,605,250 | 1,149 |
| Average total loans | $589,385,250 | 1,044 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5304% | 2,040 |
| Cost of funding earning assets | 0.4201% | 802 |
| Net interest margin | 3.1103% | 2,502 |
| Noninterest income to average assets | 0.2034% | 3,980 |
| Noninterest expense to average assets | 2.1144% | 3,115 |
| Loan and lease loss provision to assets | 0.1232% | 801 |
| Net operating income to assets | 0.7416% | 3,171 |
| Return on assets (ROA) | 0.7416% | 3,129 |
| Pretax return on assets | 0.9313% | 2,959 |
| Return on Equity (ROE) | 6.9065% | 3,336 |
| Retained earnings to average equity (ytd only) | 6.9065% | 2,020 |
| Net charge-offs to loans | 0.0021% | 2,028 |
| Credit loss provision to net charge-offs | 7,500.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 642.0000% | 214 |
| Efficiency ratio | 66.0245% | 2,504 |
| Assets per employee ($millions) | 10.6420% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6661% | 4,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 85.1885% | 124 |
| Net loans and leases to deposits | 98.5958% | 321 |
| Net loans and leases to core deposits | 106.6358% | 429 |
| Total domestic deposits to total assets | 86.4018% | 3,143 |
| Equity capital to assets | 11.2230% | 1,124 |
| Core capital (leverage) ratio | 9.9091% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2293% | 2,983 |
| Memoranda: | ||
| Average total assets | $730,594,333 | 1,276 |
| Average earning assets | $696,579,000 | 1,255 |
| Average equity | $78,447,333 | 1,183 |
| Average total loans | $571,478,333 | 1,058 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2104% | 2,654 |
| Cost of funding earning assets | 0.3779% | 1,003 |
| Net interest margin | 2.8325% | 3,035 |
| Noninterest income to average assets | 0.2278% | 3,790 |
| Noninterest expense to average assets | 2.1470% | 2,991 |
| Loan and lease loss provision to assets | 0.0954% | 866 |
| Net operating income to assets | 0.5607% | 3,522 |
| Return on assets (ROA) | 0.5607% | 3,498 |
| Pretax return on assets | 0.7018% | 3,389 |
| Return on Equity (ROE) | 5.3411% | 3,527 |
| Retained earnings to average equity (ytd only) | 5.3411% | 2,462 |
| Net charge-offs to loans | 0.0044% | 1,603 |
| Credit loss provision to net charge-offs | 2,916.6667% | 153 |
| Earnings coverage of net charge-offs (x) | 243.8333% | 376 |
| Efficiency ratio | 72.1636% | 1,953 |
| Assets per employee ($millions) | 10.9371% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7079% | 4,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 70.7042% | 953 |
| Net loans and leases to deposits | 81.0095% | 1,075 |
| Net loans and leases to core deposits | 87.5338% | 1,049 |
| Total domestic deposits to total assets | 87.2788% | 2,824 |
| Equity capital to assets | 10.4215% | 1,623 |
| Core capital (leverage) ratio | 9.8991% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9262% | 2,906 |
| Memoranda: | ||
| Average total assets | $734,064,500 | 1,276 |
| Average earning assets | $703,965,500 | 1,255 |
| Average equity | $77,063,000 | 1,231 |
| Average total loans | $546,915,500 | 1,085 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2490% | 3,347 |
| Cost of funding earning assets | 0.4561% | 1,155 |
| Net interest margin | 2.7929% | 3,681 |
| Noninterest income to average assets | 0.1219% | 4,526 |
| Noninterest expense to average assets | 2.2041% | 3,071 |
| Loan and lease loss provision to assets | 0.1048% | 1,205 |
| Net operating income to assets | 0.4121% | 4,258 |
| Return on assets (ROA) | 0.4121% | 4,295 |
| Pretax return on assets | 0.5282% | 4,213 |
| Return on Equity (ROE) | 3.9249% | 4,229 |
| Retained earnings to average equity (ytd only) | 3.9249% | 3,245 |
| Net charge-offs to loans | 0.0036% | 2,484 |
| Credit loss provision to net charge-offs | 3,916.6667% | 180 |
| Earnings coverage of net charge-offs (x) | 236.5556% | 487 |
| Efficiency ratio | 76.7723% | 1,047 |
| Assets per employee ($millions) | 9.7574% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6725% | 4,471 |
| Loan loss allowance to noncurrent loans | 4,855.2632% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 4,046 |
| Noncurrent loans to loans | 0.0139% | 3,991 |
| Net loans and leases to total assets | 77.5727% | 407 |
| Net loans and leases to deposits | 88.1856% | 642 |
| Net loans and leases to core deposits | 94.6538% | 751 |
| Total domestic deposits to total assets | 87.9652% | 2,065 |
| Equity capital to assets | 10.5816% | 2,105 |
| Core capital (leverage) ratio | 9.5151% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4464% | 2,994 |
| Memoranda: | ||
| Average total assets | $672,698,800 | 1,321 |
| Average earning assets | $653,990,800 | 1,284 |
| Average equity | $70,626,200 | 1,341 |
| Average total loans | $495,274,800 | 1,177 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2048% | 3,598 |
| Cost of funding earning assets | 0.4735% | 1,194 |
| Net interest margin | 2.7313% | 3,911 |
| Noninterest income to average assets | 0.1176% | 4,590 |
| Noninterest expense to average assets | 2.1377% | 3,255 |
| Loan and lease loss provision to assets | 0.0973% | 1,232 |
| Net operating income to assets | 0.4157% | 4,352 |
| Return on assets (ROA) | 0.4157% | 4,383 |
| Pretax return on assets | 0.5371% | 4,317 |
| Return on Equity (ROE) | 3.9675% | 4,306 |
| Retained earnings to average equity (ytd only) | 3.9675% | 3,583 |
| Net charge-offs to loans | 0.0033% | 2,225 |
| Credit loss provision to net charge-offs | 4,041.6667% | 194 |
| Earnings coverage of net charge-offs (x) | 263.7500% | 465 |
| Efficiency ratio | 76.1550% | 1,025 |
| Assets per employee ($millions) | 9.9708% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7218% | 4,466 |
| Loan loss allowance to noncurrent loans | 4,572.3684% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 4,156 |
| Noncurrent loans to loans | 0.0158% | 4,084 |
| Net loans and leases to total assets | 68.4760% | 1,261 |
| Net loans and leases to deposits | 77.8595% | 1,495 |
| Net loans and leases to core deposits | 82.8613% | 1,508 |
| Total domestic deposits to total assets | 87.9481% | 1,879 |
| Equity capital to assets | 10.5645% | 2,406 |
| Core capital (leverage) ratio | 9.7860% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5773% | 2,834 |
| Memoranda: | ||
| Average total assets | $665,240,500 | 1,349 |
| Average earning assets | $646,506,500 | 1,312 |
| Average equity | $69,698,000 | 1,367 |
| Average total loans | $481,927,750 | 1,221 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3085% | 3,403 |
| Cost of funding earning assets | 0.4975% | 1,216 |
| Net interest margin | 2.8109% | 3,768 |
| Noninterest income to average assets | 0.1204% | 4,596 |
| Noninterest expense to average assets | 2.0781% | 3,458 |
| Loan and lease loss provision to assets | 0.1330% | 930 |
| Net operating income to assets | 0.4964% | 4,227 |
| Return on assets (ROA) | 0.4964% | 4,270 |
| Pretax return on assets | 0.6394% | 4,173 |
| Return on Equity (ROE) | 4.7519% | 4,179 |
| Retained earnings to average equity (ytd only) | 4.7519% | 3,280 |
| Net charge-offs to loans | 0.0050% | 1,963 |
| Credit loss provision to net charge-offs | 3,625.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 210.5833% | 481 |
| Efficiency ratio | 71.9387% | 1,442 |
| Assets per employee ($millions) | 10.5960% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7525% | 4,448 |
| Loan loss allowance to noncurrent loans | 4,506.5789% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 4,220 |
| Noncurrent loans to loans | 0.0167% | 4,141 |
| Net loans and leases to total assets | 67.6696% | 1,490 |
| Net loans and leases to deposits | 77.1063% | 1,718 |
| Net loans and leases to core deposits | 82.2413% | 1,703 |
| Total domestic deposits to total assets | 87.7614% | 1,952 |
| Equity capital to assets | 10.6670% | 2,248 |
| Core capital (leverage) ratio | 9.4323% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3021% | 2,609 |
| Memoranda: | ||
| Average total assets | $654,335,000 | 1,356 |
| Average earning assets | $635,515,000 | 1,322 |
| Average equity | $68,352,000 | 1,379 |
| Average total loans | $482,101,000 | 1,219 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4331% | 3,114 |
| Cost of funding earning assets | 0.5105% | 1,327 |
| Net interest margin | 2.9225% | 3,460 |
| Noninterest income to average assets | 0.1124% | 4,634 |
| Noninterest expense to average assets | 2.1169% | 3,374 |
| Loan and lease loss provision to assets | 0.1760% | 701 |
| Net operating income to assets | 0.5082% | 4,162 |
| Return on assets (ROA) | 0.5082% | 4,200 |
| Pretax return on assets | 0.6546% | 4,102 |
| Return on Equity (ROE) | 4.9190% | 4,102 |
| Retained earnings to average equity (ytd only) | 4.9190% | 3,243 |
| Net charge-offs to loans | 0.0097% | 1,566 |
| Credit loss provision to net charge-offs | 2,375.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 112.0833% | 570 |
| Efficiency ratio | 70.8779% | 1,613 |
| Assets per employee ($millions) | 10.2579% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 4,624 |
| Loan loss allowance to noncurrent loans | 4,309.2105% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 4,303 |
| Noncurrent loans to loans | 0.0153% | 4,225 |
| Net loans and leases to total assets | 75.1030% | 707 |
| Net loans and leases to deposits | 88.9129% | 770 |
| Net loans and leases to core deposits | 94.3022% | 963 |
| Total domestic deposits to total assets | 84.4681% | 3,291 |
| Equity capital to assets | 10.7222% | 2,062 |
| Core capital (leverage) ratio | 9.8928% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9568% | 2,939 |
| Memoranda: | ||
| Average total assets | $647,730,000 | 1,359 |
| Average earning assets | $628,355,500 | 1,324 |
| Average equity | $66,924,500 | 1,398 |
| Average total loans | $495,576,500 | 1,194 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9618% | 2,849 |
| Cost of funding earning assets | 0.7686% | 1,352 |
| Net interest margin | 3.1932% | 3,376 |
| Noninterest income to average assets | 0.1526% | 4,531 |
| Noninterest expense to average assets | 2.4399% | 3,020 |
| Loan and lease loss provision to assets | 0.2368% | 1,641 |
| Net operating income to assets | 0.4361% | 4,170 |
| Return on assets (ROA) | 0.5103% | 4,090 |
| Pretax return on assets | 0.6595% | 3,965 |
| Return on Equity (ROE) | 4.8616% | 3,943 |
| Retained earnings to average equity (ytd only) | 4.8616% | 2,340 |
| Net charge-offs to loans | 0.0138% | 2,850 |
| Credit loss provision to net charge-offs | 2,241.0714% | 406 |
| Earnings coverage of net charge-offs (x) | 75.9464% | 925 |
| Efficiency ratio | 74.1301% | 1,424 |
| Assets per employee ($millions) | 10.1421% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6067% | 4,709 |
| Loan loss allowance to noncurrent loans | 3,950.0000% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 4,359 |
| Noncurrent loans to loans | 0.0154% | 4,304 |
| Net loans and leases to total assets | 76.9727% | 697 |
| Net loans and leases to deposits | 90.4540% | 895 |
| Net loans and leases to core deposits | 95.9149% | 1,121 |
| Total domestic deposits to total assets | 85.0960% | 2,723 |
| Equity capital to assets | 9.9314% | 3,197 |
| Core capital (leverage) ratio | 9.0843% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8161% | 3,087 |
| Memoranda: | ||
| Average total assets | $530,059,800 | 1,472 |
| Average earning assets | $512,872,600 | 1,426 |
| Average equity | $55,639,600 | 1,540 |
| Average total loans | $407,266,000 | 1,335 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9982% | 2,980 |
| Cost of funding earning assets | 0.8543% | 1,237 |
| Net interest margin | 3.1438% | 3,636 |
| Noninterest income to average assets | 0.1702% | 4,449 |
| Noninterest expense to average assets | 2.5747% | 2,613 |
| Loan and lease loss provision to assets | 0.2426% | 1,677 |
| Net operating income to assets | 0.2987% | 4,449 |
| Return on assets (ROA) | 0.4030% | 4,322 |
| Pretax return on assets | 0.5245% | 4,234 |
| Return on Equity (ROE) | 3.7750% | 4,215 |
| Retained earnings to average equity (ytd only) | 3.7750% | 3,154 |
| Net charge-offs to loans | 0.0028% | 3,077 |
| Credit loss provision to net charge-offs | 11,437.5000% | 107 |
| Earnings coverage of net charge-offs (x) | 299.3750% | 359 |
| Efficiency ratio | 79.0087% | 941 |
| Assets per employee ($millions) | 9.5126% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5861% | 4,746 |
| Loan loss allowance to noncurrent loans | 1,540.3409% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 4,314 |
| Noncurrent loans to loans | 0.0380% | 4,235 |
| Net loans and leases to total assets | 77.9711% | 834 |
| Net loans and leases to deposits | 92.4857% | 1,035 |
| Net loans and leases to core deposits | 97.1407% | 1,368 |
| Total domestic deposits to total assets | 84.3061% | 2,710 |
| Equity capital to assets | 10.2982% | 2,965 |
| Core capital (leverage) ratio | 9.4601% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9986% | 3,093 |
| Memoranda: | ||
| Average total assets | $502,836,250 | 1,521 |
| Average earning assets | $486,145,000 | 1,464 |
| Average equity | $53,685,250 | 1,576 |
| Average total loans | $385,377,000 | 1,399 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1726% | 2,843 |
| Cost of funding earning assets | 0.9675% | 1,078 |
| Net interest margin | 3.2051% | 3,656 |
| Noninterest income to average assets | 0.1781% | 4,400 |
| Noninterest expense to average assets | 2.7278% | 2,299 |
| Loan and lease loss provision to assets | 0.2786% | 1,538 |
| Net operating income to assets | 0.2003% | 4,574 |
| Return on assets (ROA) | 0.3664% | 4,356 |
| Pretax return on assets | 0.4791% | 4,281 |
| Return on Equity (ROE) | 3.3817% | 4,264 |
| Retained earnings to average equity (ytd only) | 3.3817% | 3,230 |
| Net charge-offs to loans | 0.0011% | 2,989 |
| Credit loss provision to net charge-offs | 33,000.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 648.5000% | 154 |
| Efficiency ratio | 82.0103% | 756 |
| Assets per employee ($millions) | 8.0942% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5826% | 4,760 |
| Loan loss allowance to noncurrent loans | 567.0507% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 4,115 |
| Noncurrent loans to loans | 0.1027% | 4,041 |
| Net loans and leases to total assets | 78.6184% | 766 |
| Net loans and leases to deposits | 88.1194% | 1,546 |
| Net loans and leases to core deposits | 92.9412% | 1,820 |
| Total domestic deposits to total assets | 89.2180% | 668 |
| Equity capital to assets | 10.4774% | 2,760 |
| Core capital (leverage) ratio | 9.4602% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9956% | 2,972 |
| Memoranda: | ||
| Average total assets | $473,854,000 | 1,573 |
| Average earning assets | $457,889,000 | 1,516 |
| Average equity | $51,334,667 | 1,631 |
| Average total loans | $359,645,667 | 1,461 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6069% | 1,981 |
| Cost of funding earning assets | 1.2293% | 699 |
| Net interest margin | 3.3776% | 3,368 |
| Noninterest income to average assets | 0.1902% | 4,418 |
| Noninterest expense to average assets | 2.9968% | 1,894 |
| Loan and lease loss provision to assets | 0.1352% | 2,034 |
| Net operating income to assets | 0.2434% | 4,459 |
| Return on assets (ROA) | 0.2434% | 4,480 |
| Pretax return on assets | 0.3255% | 4,411 |
| Return on Equity (ROE) | 2.2034% | 4,405 |
| Retained earnings to average equity (ytd only) | 2.2034% | 3,369 |
| Net charge-offs to loans | 0.0012% | 2,555 |
| Credit loss provision to net charge-offs | 15,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 511.0000% | 120 |
| Efficiency ratio | 85.3716% | 746 |
| Assets per employee ($millions) | 7.7425% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5516% | 4,829 |
| Loan loss allowance to noncurrent loans | 446.6819% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 4,171 |
| Noncurrent loans to loans | 0.1235% | 4,028 |
| Net loans and leases to total assets | 69.9307% | 2,264 |
| Net loans and leases to deposits | 79.6419% | 2,719 |
| Net loans and leases to core deposits | 84.7506% | 2,783 |
| Total domestic deposits to total assets | 87.8064% | 1,185 |
| Equity capital to assets | 10.9863% | 2,866 |
| Core capital (leverage) ratio | 9.5327% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5008% | 2,928 |
| Memoranda: | ||
| Average total assets | $443,673,000 | 1,635 |
| Average earning assets | $429,186,000 | 1,560 |
| Average equity | $49,016,000 | 1,691 |
| Average total loans | $328,242,000 | 1,530 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0449% | 1,355 |
| Cost of funding earning assets | 1.8288% | 127 |
| Net interest margin | 3.2161% | 4,150 |
| Noninterest income to average assets | 0.1365% | 4,794 |
| Noninterest expense to average assets | 2.8128% | 2,559 |
| Loan and lease loss provision to assets | 0.2012% | 1,014 |
| Net operating income to assets | 0.1541% | 4,883 |
| Return on assets (ROA) | 0.1541% | 4,907 |
| Pretax return on assets | 0.2289% | 4,867 |
| Return on Equity (ROE) | 1.3810% | 4,873 |
| Retained earnings to average equity (ytd only) | 1.3810% | 4,252 |
| Net charge-offs to loans | 0.0317% | 2,757 |
| Credit loss provision to net charge-offs | 837.9747% | 394 |
| Earnings coverage of net charge-offs (x) | 17.9114% | 2,082 |
| Efficiency ratio | 86.6729% | 507 |
| Assets per employee ($millions) | 8.3496% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5962% | 4,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 78.3145% | 1,028 |
| Net loans and leases to deposits | 93.7844% | 1,178 |
| Net loans and leases to core deposits | 102.4894% | 1,359 |
| Total domestic deposits to total assets | 83.5048% | 3,019 |
| Equity capital to assets | 11.1284% | 2,877 |
| Core capital (leverage) ratio | 10.5023% | 2,952 |
| Tier 1 risk-based capital ratio | 12.3879% | 4,136 |
| Total risk-based capital ratio | 12.9373% | 4,416 |
| Memoranda: | ||
| Average total assets | $329,034,000 | 1,991 |
| Average earning assets | $317,806,600 | 1,927 |
| Average equity | $36,712,200 | 2,066 |
| Average total loans | $249,198,800 | 1,833 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1668% | 1,113 |
| Cost of funding earning assets | 1.9005% | 96 |
| Net interest margin | 3.2663% | 4,152 |
| Noninterest income to average assets | 0.1332% | 4,865 |
| Noninterest expense to average assets | 2.7666% | 2,663 |
| Loan and lease loss provision to assets | 0.2461% | 674 |
| Net operating income to assets | 0.1878% | 4,960 |
| Return on assets (ROA) | 0.1878% | 4,974 |
| Pretax return on assets | 0.2669% | 4,927 |
| Return on Equity (ROE) | 1.6816% | 4,937 |
| Retained earnings to average equity (ytd only) | 1.6816% | 4,368 |
| Net charge-offs to loans | 0.0311% | 2,452 |
| Credit loss provision to net charge-offs | 1,058.1818% | 331 |
| Earnings coverage of net charge-offs (x) | 22.0550% | 1,884 |
| Efficiency ratio | 84.2811% | 594 |
| Assets per employee ($millions) | 8.6842% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6441% | 4,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 72.1703% | 2,152 |
| Net loans and leases to deposits | 85.2745% | 2,285 |
| Net loans and leases to core deposits | 90.3943% | 2,514 |
| Total domestic deposits to total assets | 84.6329% | 2,565 |
| Equity capital to assets | 9.5252% | 4,430 |
| Core capital (leverage) ratio | 9.7708% | 3,889 |
| Tier 1 risk-based capital ratio | 11.2301% | 4,805 |
| Total risk-based capital ratio | 11.8165% | 4,987 |
| Memoranda: | ||
| Average total assets | $315,272,000 | 2,078 |
| Average earning assets | $303,698,250 | 2,011 |
| Average equity | $35,204,750 | 2,141 |
| Average total loans | $235,849,500 | 1,930 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3416% | 748 |
| Cost of funding earning assets | 1.9252% | 77 |
| Net interest margin | 3.4164% | 3,843 |
| Noninterest income to average assets | 0.1129% | 4,991 |
| Noninterest expense to average assets | 2.8538% | 2,402 |
| Loan and lease loss provision to assets | 0.2514% | 609 |
| Net operating income to assets | 0.2008% | 4,998 |
| Return on assets (ROA) | 0.2008% | 5,005 |
| Pretax return on assets | 0.2846% | 4,949 |
| Return on Equity (ROE) | 1.6931% | 4,981 |
| Retained earnings to average equity (ytd only) | 1.6931% | 4,212 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1077% | 646 |
| Assets per employee ($millions) | 7.4723% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6591% | 4,780 |
| Loan loss allowance to noncurrent loans | 1,162.0438% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 4,556 |
| Noncurrent loans to loans | 0.0567% | 4,427 |
| Net loans and leases to total assets | 74.6749% | 1,772 |
| Net loans and leases to deposits | 90.5365% | 1,681 |
| Net loans and leases to core deposits | 97.1980% | 1,955 |
| Total domestic deposits to total assets | 82.4805% | 3,377 |
| Equity capital to assets | 11.0056% | 3,050 |
| Core capital (leverage) ratio | 10.6223% | 2,961 |
| Tier 1 risk-based capital ratio | 11.7813% | 4,530 |
| Total risk-based capital ratio | 12.3466% | 4,778 |
| Memoranda: | ||
| Average total assets | $295,889,000 | 2,206 |
| Average earning assets | $283,811,670 | 2,143 |
| Average equity | $35,083,330 | 2,136 |
| Average total loans | $224,050,670 | 2,021 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2246% | 865 |
| Cost of funding earning assets | 1.8945% | 73 |
| Net interest margin | 3.3301% | 4,091 |
| Noninterest income to average assets | 0.1045% | 5,060 |
| Noninterest expense to average assets | 2.9225% | 2,211 |
| Loan and lease loss provision to assets | 0.2500% | 583 |
| Net operating income to assets | 0.0636% | 5,110 |
| Return on assets (ROA) | 0.0636% | 5,115 |
| Pretax return on assets | 0.1102% | 5,097 |
| Return on Equity (ROE) | 0.5151% | 5,116 |
| Retained earnings to average equity (ytd only) | 0.5151% | 4,429 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9415% | 437 |
| Assets per employee ($millions) | 7.5434% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6143% | 4,908 |
| Loan loss allowance to noncurrent loans | 1,019.7080% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 4,602 |
| Noncurrent loans to loans | 0.0602% | 4,488 |
| Net loans and leases to total assets | 74.9058% | 1,660 |
| Net loans and leases to deposits | 91.8193% | 1,422 |
| Net loans and leases to core deposits | 99.5332% | 1,659 |
| Total domestic deposits to total assets | 81.5795% | 3,839 |
| Equity capital to assets | 11.6055% | 2,309 |
| Core capital (leverage) ratio | 11.7945% | 1,912 |
| Tier 1 risk-based capital ratio | 12.7749% | 3,994 |
| Total risk-based capital ratio | 13.3196% | 4,310 |
| Memoranda: | ||
| Average total assets | $283,178,500 | 2,293 |
| Average earning assets | $270,262,500 | 2,243 |
| Average equity | $34,944,000 | 2,144 |
| Average total loans | $215,311,000 | 2,092 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2208% | 673 |
| Cost of funding earning assets | 1.4367% | 114 |
| Net interest margin | 3.7841% | 2,728 |
| Noninterest income to average assets | 0.1681% | 4,885 |
| Noninterest expense to average assets | 4.4101% | 323 |
| Loan and lease loss provision to assets | 0.4469% | 286 |
| Net operating income to assets | -0.4709% | 5,316 |
| Return on assets (ROA) | -0.4709% | 5,309 |
| Pretax return on assets | -1.0384% | 5,334 |
| Return on Equity (ROE) | -2.6559% | 5,284 |
| Retained earnings to average equity (ytd only) | -2.6559% | 5,162 |
| Net charge-offs to loans | 0.0034% | 3,613 |
| Credit loss provision to net charge-offs | 16,380.0000% | 25 |
| Earnings coverage of net charge-offs (x) | -216.8000% | 3,779 |
| Efficiency ratio | 115.3615% | 65 |
| Assets per employee ($millions) | 6.6156% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6004% | 4,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 76.3308% | 1,550 |
| Net loans and leases to deposits | 94.2139% | 1,252 |
| Net loans and leases to core deposits | 100.2293% | 1,703 |
| Total domestic deposits to total assets | 81.0186% | 3,882 |
| Equity capital to assets | 13.1773% | 1,264 |
| Core capital (leverage) ratio | 13.6264% | 1,034 |
| Tier 1 risk-based capital ratio | 15.3135% | 2,694 |
| Total risk-based capital ratio | 15.8859% | 2,922 |
| Memoranda: | ||
| Average total assets | $183,260,800 | 3,024 |
| Average earning assets | $176,792,000 | 2,956 |
| Average equity | $32,494,000 | 2,189 |
| Average total loans | $145,338,600 | 2,702 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 650 |
| Cost of funding earning assets | 1.3164% | 156 |
| Net interest margin | 3.8644% | 2,421 |
| Noninterest income to average assets | 0.1858% | 4,857 |
| Noninterest expense to average assets | 4.6967% | 252 |
| Loan and lease loss provision to assets | 0.4616% | 261 |
| Net operating income to assets | -0.8151% | 5,413 |
| Return on assets (ROA) | -0.8151% | 5,407 |
| Pretax return on assets | -1.2488% | 5,422 |
| Return on Equity (ROE) | -4.1629% | 5,382 |
| Retained earnings to average equity (ytd only) | -4.1629% | 5,288 |
| Net charge-offs to loans | 0.0051% | 3,256 |
| Credit loss provision to net charge-offs | 11,280.0000% | 29 |
| Earnings coverage of net charge-offs (x) | -192.2984% | 3,485 |
| Efficiency ratio | 120.0126% | 58 |
| Assets per employee ($millions) | 5.7676% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5411% | 5,139 |
| Loan loss allowance to noncurrent loans | 48,250.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,040 |
| Noncurrent loans to loans | 0.0011% | 4,951 |
| Net loans and leases to total assets | 83.1139% | 551 |
| Net loans and leases to deposits | 108.1210% | 353 |
| Net loans and leases to core deposits | 111.9227% | 915 |
| Total domestic deposits to total assets | 76.8711% | 4,665 |
| Equity capital to assets | 15.7573% | 576 |
| Core capital (leverage) ratio | 15.5266% | 592 |
| Tier 1 risk-based capital ratio | 16.2801% | 2,342 |
| Total risk-based capital ratio | 16.7721% | 2,575 |
| Memoranda: | ||
| Average total assets | $162,920,500 | 3,272 |
| Average earning assets | $156,986,750 | 3,197 |
| Average equity | $31,900,000 | 2,224 |
| Average total loans | $130,871,250 | 2,890 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 1,193 |
| Cost of funding earning assets | 1.0906% | 303 |
| Net interest margin | 3.7323% | 2,817 |
| Noninterest income to average assets | 0.1917% | 4,867 |
| Noninterest expense to average assets | 4.9448% | 220 |
| Loan and lease loss provision to assets | 0.3080% | 452 |
| Net operating income to assets | -1.4675% | 5,493 |
| Return on assets (ROA) | -1.4675% | 5,487 |
| Pretax return on assets | -1.4675% | 5,484 |
| Return on Equity (ROE) | -6.8444% | 5,457 |
| Retained earnings to average equity (ytd only) | -6.8444% | 5,353 |
| Net charge-offs to loans | 0.0017% | 3,147 |
| Credit loss provision to net charge-offs | 22,500.0000% | 15 |
| Earnings coverage of net charge-offs (x) | -847.0000% | 3,207 |
| Efficiency ratio | 130.4882% | 51 |
| Assets per employee ($millions) | 5.1154% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4157% | 5,343 |
| Loan loss allowance to noncurrent loans | 31,500.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,067 |
| Noncurrent loans to loans | 0.0013% | 4,974 |
| Net loans and leases to total assets | 79.7330% | 1,058 |
| Net loans and leases to deposits | 107.4759% | 373 |
| Net loans and leases to core deposits | 111.1734% | 928 |
| Total domestic deposits to total assets | 74.1869% | 5,025 |
| Equity capital to assets | 17.7019% | 351 |
| Core capital (leverage) ratio | 20.6179% | 199 |
| Tier 1 risk-based capital ratio | 18.4480% | 1,685 |
| Total risk-based capital ratio | 18.8079% | 1,881 |
| Memoranda: | ||
| Average total assets | $146,094,000 | 3,488 |
| Average earning assets | $140,662,670 | 3,404 |
| Average equity | $31,324,670 | 2,270 |
| Average total loans | $115,051,670 | 3,091 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7656% | 1,152 |
| Cost of funding earning assets | 1.0142% | 347 |
| Net interest margin | 3.7514% | 2,609 |
| Noninterest income to average assets | 0.1767% | 4,967 |
| Noninterest expense to average assets | 5.4808% | 172 |
| Loan and lease loss provision to assets | 0.2891% | 458 |
| Net operating income to assets | -2.0047% | 5,570 |
| Return on assets (ROA) | -2.0047% | 5,568 |
| Pretax return on assets | -2.0047% | 5,565 |
| Return on Equity (ROE) | -8.2553% | 5,525 |
| Retained earnings to average equity (ytd only) | -8.2553% | 5,315 |
| Net charge-offs to loans | 0.0041% | 2,587 |
| Credit loss provision to net charge-offs | 9,000.0000% | 31 |
| Earnings coverage of net charge-offs (x) | -534.0000% | 2,721 |
| Efficiency ratio | 145.3925% | 34 |
| Assets per employee ($millions) | 3.7854% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4365% | 5,400 |
| Loan loss allowance to noncurrent loans | 24,750.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 5,144 |
| Noncurrent loans to loans | 0.0018% | 5,025 |
| Net loans and leases to total assets | 80.6187% | 854 |
| Net loans and leases to deposits | 106.6706% | 357 |
| Net loans and leases to core deposits | 107.8752% | 1,132 |
| Total domestic deposits to total assets | 75.5773% | 5,011 |
| Equity capital to assets | 24.2050% | 115 |
| Core capital (leverage) ratio | 26.4776% | 93 |
| Tier 1 risk-based capital ratio | 24.4999% | 793 |
| Total risk-based capital ratio | 24.8707% | 858 |
| Memoranda: | ||
| Average total assets | $124,507,000 | 3,822 |
| Average earning assets | $119,103,500 | 3,763 |
| Average equity | $30,235,000 | 2,351 |
| Average total loans | $96,808,000 | 3,417 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3631% | 4,990 |
| Cost of funding earning assets | 0.5857% | 1,708 |
| Net interest margin | 2.7775% | 5,198 |
| Noninterest income to average assets | 0.1696% | 5,105 |
| Noninterest expense to average assets | 9.0828% | 78 |
| Loan and lease loss provision to assets | 0.8765% | 124 |
| Net operating income to assets | -7.3863% | 5,666 |
| Return on assets (ROA) | -7.3863% | 5,666 |
| Pretax return on assets | -7.3863% | 5,666 |
| Return on Equity (ROE) | -20.2121% | 5,643 |
| Retained earnings to average equity (ytd only) | -20.2121% | 5,621 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 352.6627% | 6 |
| Assets per employee ($millions) | 3.1130% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5062% | 5,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 73.2424% | 2,058 |
| Net loans and leases to deposits | 97.1513% | 978 |
| Net loans and leases to core deposits | 97.1513% | 1,928 |
| Total domestic deposits to total assets | 75.3901% | 5,043 |
| Equity capital to assets | 24.3851% | 108 |
| Core capital (leverage) ratio | 29.5673% | 63 |
| Tier 1 risk-based capital ratio | 27.9783% | 544 |
| Total risk-based capital ratio | 28.4273% | 578 |
| Memoranda: | ||
| Average total assets | $45,977,200 | 5,233 |
| Average earning assets | $39,784,400 | 5,276 |
| Average equity | $16,801,800 | 3,500 |
| Average total loans | $22,735,600 | 5,232 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4660% | 5,630 |
| Cost of funding earning assets | 0.3858% | 3,325 |
| Net interest margin | 2.0801% | 5,626 |
| Noninterest income to average assets | 0.2382% | 4,782 |
| Noninterest expense to average assets | 9.6274% | 77 |
| Loan and lease loss provision to assets | 0.8909% | 121 |
| Net operating income to assets | -8.6395% | 5,731 |
| Return on assets (ROA) | -8.6395% | 5,731 |
| Pretax return on assets | -8.6395% | 5,731 |
| Return on Equity (ROE) | -18.1889% | 5,704 |
| Retained earnings to average equity (ytd only) | -18.1889% | 5,672 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 512.4413% | 5 |
| Assets per employee ($millions) | 2.3780% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 4,964 |
| Loan loss allowance to noncurrent loans | 20,600.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 5,149 |
| Noncurrent loans to loans | 0.0038% | 5,135 |
| Net loans and leases to total assets | 35.7964% | 5,357 |
| Net loans and leases to deposits | 57.8900% | 4,766 |
| Net loans and leases to core deposits | 57.8900% | 4,920 |
| Total domestic deposits to total assets | 61.8351% | 5,641 |
| Equity capital to assets | 38.0333% | 47 |
| Core capital (leverage) ratio | 50.1285% | 37 |
| Tier 1 risk-based capital ratio | 69.3060% | 64 |
| Total risk-based capital ratio | 69.8400% | 64 |
| Memoranda: | ||
| Average total assets | $30,232,500 | 5,545 |
| Average earning assets | $23,844,250 | 5,586 |
| Average equity | $14,360,000 | 3,841 |
| Average total loans | $8,367,500 | 5,633 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5970% | 5,746 |
| Cost of funding earning assets | 0.0275% | 5,747 |
| Net interest margin | 1.5694% | 5,736 |
| Noninterest income to average assets | 0.3304% | 4,181 |
| Noninterest expense to average assets | 10.4717% | 64 |
| Loan and lease loss provision to assets | 1.6140% | 60 |
| Net operating income to assets | -10.3065% | 5,782 |
| Return on assets (ROA) | -10.3065% | 5,782 |
| Pretax return on assets | -10.3065% | 5,782 |
| Return on Equity (ROE) | -16.5493% | 5,745 |
| Retained earnings to average equity (ytd only) | -16.5493% | 5,709 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 588.5714% | 2 |
| Assets per employee ($millions) | 1.6577% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9697% | 67 |
| Loan loss allowance to noncurrent loans | 6,550.0000% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 5,051 |
| Noncurrent loans to loans | 0.0606% | 4,884 |
| Net loans and leases to total assets | 9.1034% | 5,738 |
| Net loans and leases to deposits | 39.2300% | 5,473 |
| Net loans and leases to core deposits | 39.2300% | 5,520 |
| Total domestic deposits to total assets | 23.2053% | 5,761 |
| Equity capital to assets | 76.6482% | 29 |
| Core capital (leverage) ratio | 94.7292% | 11 |
| Tier 1 risk-based capital ratio | 504.7136% | 5 |
| Total risk-based capital ratio | 507.2196% | 5 |
| Memoranda: | ||
| Average total assets | $15,737,670 | 5,752 |
| Average earning assets | $14,527,670 | 5,739 |
| Average equity | $9,801,000 | 4,541 |
| Average total loans | $2,292,000 | 5,751 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2695% | 5,148 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 3.2695% | 4,117 |
| Noninterest income to average assets | 2.1932% | 278 |
| Noninterest expense to average assets | 3.2253% | 1,539 |
| Loan and lease loss provision to assets | 0.2580% | 566 |
| Net operating income to assets | 1.3546% | 1,105 |
| Return on assets (ROA) | 1.3546% | 1,140 |
| Pretax return on assets | 1.6126% | 1,200 |
| Return on Equity (ROE) | 6.1742% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.1742% | 2,242 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2911% | 3,942 |
| Assets per employee ($millions) | 3.0905% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7568% | 235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 29.1053% | 5,608 |
| Net loans and leases to deposits | 37.4480% | 5,537 |
| Net loans and leases to core deposits | 37.4480% | 5,588 |
| Total domestic deposits to total assets | 77.7221% | 5,003 |
| Equity capital to assets | 22.1809% | 142 |
| Core capital (leverage) ratio | 21.9255% | 140 |
| Tier 1 risk-based capital ratio | 62.3182% | 79 |
| Total risk-based capital ratio | 63.5455% | 79 |
| Memoranda: | ||
| Average total assets | $6,201,000 | 5,861 |
| Average earning assets | $5,505,500 | 5,846 |
| Average equity | $1,360,500 | 5,833 |
| Average total loans | $1,788,000 | 5,821 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9200% | 5,564 |
| Cost of funding earning assets | 0.0000% | 5,897 |
| Net interest margin | 2.9200% | 5,097 |
| Noninterest income to average assets | 2.1171% | 320 |
| Noninterest expense to average assets | 3.6970% | 891 |
| Loan and lease loss provision to assets | 0.2212% | 994 |
| Net operating income to assets | 0.6794% | 3,873 |
| Return on assets (ROA) | 0.6794% | 3,989 |
| Pretax return on assets | 0.8058% | 4,171 |
| Return on Equity (ROE) | 3.2345% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.2345% | 3,611 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2609% | 1,659 |
| Assets per employee ($millions) | 3.1105% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7271% | 93 |
| Loan loss allowance to noncurrent loans | 361.1111% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 4,122 |
| Noncurrent loans to loans | 1.0321% | 2,015 |
| Net loans and leases to total assets | 26.9892% | 5,703 |
| Net loans and leases to deposits | 34.4764% | 5,668 |
| Net loans and leases to core deposits | 34.4764% | 5,699 |
| Total domestic deposits to total assets | 78.2832% | 4,935 |
| Equity capital to assets | 21.7007% | 157 |
| Core capital (leverage) ratio | 21.2900% | 157 |
| Tier 1 risk-based capital ratio | 64.1940% | 73 |
| Total risk-based capital ratio | 65.4303% | 72 |
| Memoranda: | ||
| Average total assets | $6,329,400 | 5,917 |
| Average earning assets | $5,650,600 | 5,902 |
| Average equity | $1,329,400 | 5,893 |
| Average total loans | $1,392,600 | 5,879 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8869% | 5,660 |
| Cost of funding earning assets | 0.0000% | 5,963 |
| Net interest margin | 2.8869% | 5,208 |
| Noninterest income to average assets | 2.0975% | 331 |
| Noninterest expense to average assets | 3.6287% | 954 |
| Loan and lease loss provision to assets | 0.2308% | 867 |
| Net operating income to assets | 0.7131% | 3,776 |
| Return on assets (ROA) | 0.7131% | 3,916 |
| Pretax return on assets | 0.8181% | 4,254 |
| Return on Equity (ROE) | 3.4231% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.4231% | 3,848 |
| Net charge-offs to loans | -0.2046% | 5,770 |
| Credit loss provision to net charge-offs | -550.0000% | 5,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5785% | 1,754 |
| Assets per employee ($millions) | 3.2090% | 5,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3299% | 65 |
| Loan loss allowance to noncurrent loans | 420.0000% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 4,511 |
| Noncurrent loans to loans | 1.0309% | 2,184 |
| Net loans and leases to total assets | 21.6890% | 5,849 |
| Net loans and leases to deposits | 27.4286% | 5,837 |
| Net loans and leases to core deposits | 27.4286% | 5,848 |
| Total domestic deposits to total assets | 79.0745% | 4,705 |
| Equity capital to assets | 20.9255% | 197 |
| Core capital (leverage) ratio | 21.2635% | 159 |
| Tier 1 risk-based capital ratio | 71.7415% | 62 |
| Total risk-based capital ratio | 72.9701% | 63 |
| Memoranda: | ||
| Average total assets | $6,356,500 | 5,983 |
| Average earning assets | $5,680,750 | 5,968 |
| Average equity | $1,324,250 | 5,958 |
| Average total loans | $1,304,750 | 5,946 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8986% | 5,737 |
| Cost of funding earning assets | 0.0000% | 6,040 |
| Net interest margin | 2.8986% | 5,266 |
| Noninterest income to average assets | 2.0833% | 329 |
| Noninterest expense to average assets | 3.6616% | 929 |
| Loan and lease loss provision to assets | 0.2210% | 939 |
| Net operating income to assets | 0.6629% | 3,984 |
| Return on assets (ROA) | 0.6629% | 4,125 |
| Pretax return on assets | 0.7891% | 4,324 |
| Return on Equity (ROE) | 3.1866% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.1866% | 3,872 |
| Net charge-offs to loans | -0.3188% | 5,897 |
| Credit loss provision to net charge-offs | -350.0000% | 4,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3784% | 1,730 |
| Assets per employee ($millions) | 3.2085% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9838% | 81 |
| Loan loss allowance to noncurrent loans | 347.0588% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 4,440 |
| Noncurrent loans to loans | 1.1479% | 2,001 |
| Net loans and leases to total assets | 22.1599% | 5,914 |
| Net loans and leases to deposits | 27.9701% | 5,906 |
| Net loans and leases to core deposits | 27.9701% | 5,915 |
| Total domestic deposits to total assets | 79.2271% | 4,725 |
| Equity capital to assets | 20.7106% | 197 |
| Core capital (leverage) ratio | 20.6784% | 172 |
| Tier 1 risk-based capital ratio | 68.8601% | 71 |
| Total risk-based capital ratio | 70.1036% | 70 |
| Memoranda: | ||
| Average total assets | $6,336,000 | 6,061 |
| Average earning assets | $5,658,000 | 6,046 |
| Average equity | $1,318,000 | 6,036 |
| Average total loans | $1,254,670 | 6,025 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9179% | 5,763 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 2.9179% | 5,294 |
| Noninterest income to average assets | 2.2238% | 298 |
| Noninterest expense to average assets | 4.1935% | 493 |
| Loan and lease loss provision to assets | 0.2541% | 683 |
| Net operating income to assets | 0.3177% | 5,249 |
| Return on assets (ROA) | 0.3177% | 5,334 |
| Pretax return on assets | 0.3812% | 5,347 |
| Return on Equity (ROE) | 1.5238% | 5,612 |
| Retained earnings to average equity (ytd only) | 1.5238% | 4,661 |
| Net charge-offs to loans | -0.3504% | 5,956 |
| Credit loss provision to net charge-offs | -400.0000% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8421% | 902 |
| Assets per employee ($millions) | 3.1870% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7251% | 59 |
| Loan loss allowance to noncurrent loans | 305.5556% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 4,431 |
| Noncurrent loans to loans | 1.5464% | 1,511 |
| Net loans and leases to total assets | 17.3988% | 6,024 |
| Net loans and leases to deposits | 21.9560% | 6,014 |
| Net loans and leases to core deposits | 21.9560% | 6,019 |
| Total domestic deposits to total assets | 79.2438% | 4,915 |
| Equity capital to assets | 20.6150% | 193 |
| Core capital (leverage) ratio | 20.1874% | 189 |
| Tier 1 risk-based capital ratio | 80.5147% | 54 |
| Total risk-based capital ratio | 81.7402% | 54 |
| Memoranda: | ||
| Average total assets | $6,295,500 | 6,125 |
| Average earning assets | $5,620,500 | 6,110 |
| Average equity | $1,312,500 | 6,097 |
| Average total loans | $1,141,500 | 6,086 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8699% | 5,838 |
| Cost of funding earning assets | 0.0000% | 6,168 |
| Net interest margin | 2.8699% | 5,387 |
| Noninterest income to average assets | 2.2455% | 303 |
| Noninterest expense to average assets | 2.9679% | 2,654 |
| Loan and lease loss provision to assets | 0.1884% | 1,185 |
| Net operating income to assets | 1.3505% | 1,152 |
| Return on assets (ROA) | 1.3505% | 1,190 |
| Pretax return on assets | 1.6488% | 1,118 |
| Return on Equity (ROE) | 6.7653% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.7653% | 1,394 |
| Net charge-offs to loans | 0.1691% | 1,674 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 884 |
| Efficiency ratio | 61.7647% | 4,646 |
| Assets per employee ($millions) | 3.1085% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5576% | 62 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 4,431 |
| Noncurrent loans to loans | 1.6086% | 1,428 |
| Net loans and leases to total assets | 17.1787% | 6,090 |
| Net loans and leases to deposits | 21.7693% | 6,069 |
| Net loans and leases to core deposits | 21.7693% | 6,080 |
| Total domestic deposits to total assets | 78.9127% | 4,994 |
| Equity capital to assets | 21.0873% | 177 |
| Core capital (leverage) ratio | 20.2377% | 191 |
| Tier 1 risk-based capital ratio | 80.7763% | 53 |
| Total risk-based capital ratio | 82.0086% | 52 |
| Memoranda: | ||
| Average total assets | $6,368,200 | 6,184 |
| Average earning assets | $5,679,600 | 6,171 |
| Average equity | $1,271,200 | 6,160 |
| Average total loans | $1,183,000 | 6,145 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9452% | 5,858 |
| Cost of funding earning assets | 0.0000% | 6,253 |
| Net interest margin | 2.9452% | 5,321 |
| Noninterest income to average assets | 2.2687% | 302 |
| Noninterest expense to average assets | 2.8723% | 2,929 |
| Loan and lease loss provision to assets | 0.1873% | 1,091 |
| Net operating income to assets | 1.5818% | 806 |
| Return on assets (ROA) | 1.5818% | 841 |
| Pretax return on assets | 1.8316% | 836 |
| Return on Equity (ROE) | 8.0341% | 3,059 |
| Retained earnings to average equity (ytd only) | 8.0341% | 1,231 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7234% | 5,041 |
| Assets per employee ($millions) | 3.2580% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3324% | 75 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 4,476 |
| Noncurrent loans to loans | 1.8568% | 1,260 |
| Net loans and leases to total assets | 16.6053% | 6,178 |
| Net loans and leases to deposits | 20.7558% | 6,175 |
| Net loans and leases to core deposits | 20.7558% | 6,182 |
| Total domestic deposits to total assets | 80.0031% | 4,753 |
| Equity capital to assets | 19.9662% | 236 |
| Core capital (leverage) ratio | 20.2050% | 202 |
| Tier 1 risk-based capital ratio | 78.8485% | 58 |
| Total risk-based capital ratio | 80.0606% | 58 |
| Memoranda: | ||
| Average total assets | $6,406,000 | 6,271 |
| Average earning assets | $5,704,250 | 6,258 |
| Average equity | $1,261,250 | 6,250 |
| Average total loans | $1,199,000 | 6,231 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9982% | 5,857 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 2.9982% | 5,223 |
| Noninterest income to average assets | 2.3550% | 292 |
| Noninterest expense to average assets | 2.9202% | 2,818 |
| Loan and lease loss provision to assets | 0.1884% | 1,064 |
| Net operating income to assets | 1.7584% | 560 |
| Return on assets (ROA) | 1.7584% | 587 |
| Pretax return on assets | 1.9154% | 716 |
| Return on Equity (ROE) | 8.9744% | 2,559 |
| Retained earnings to average equity (ytd only) | 8.9744% | 930 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1250% | 5,209 |
| Assets per employee ($millions) | 3.1920% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6771% | 140 |
| Loan loss allowance to noncurrent loans | 1,150.0000% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 5,613 |
| Noncurrent loans to loans | 0.3197% | 4,551 |
| Net loans and leases to total assets | 18.8753% | 6,221 |
| Net loans and leases to deposits | 23.6275% | 6,217 |
| Net loans and leases to core deposits | 23.6275% | 6,219 |
| Total domestic deposits to total assets | 79.8872% | 4,893 |
| Equity capital to assets | 20.0658% | 222 |
| Core capital (leverage) ratio | 19.5842% | 219 |
| Tier 1 risk-based capital ratio | 71.5243% | 70 |
| Total risk-based capital ratio | 72.7527% | 70 |
| Memoranda: | ||
| Average total assets | $6,369,330 | 6,349 |
| Average earning assets | $5,670,000 | 6,334 |
| Average equity | $1,248,000 | 6,327 |
| Average total loans | $1,221,670 | 6,308 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0964% | 5,788 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 3.0964% | 4,968 |
| Noninterest income to average assets | 2.3263% | 298 |
| Noninterest expense to average assets | 3.0808% | 2,336 |
| Loan and lease loss provision to assets | 0.1886% | 999 |
| Net operating income to assets | 1.5718% | 748 |
| Return on assets (ROA) | 1.5718% | 783 |
| Pretax return on assets | 1.8233% | 835 |
| Return on Equity (ROE) | 8.1202% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.1202% | 1,527 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4938% | 5,032 |
| Assets per employee ($millions) | 3.3425% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5953% | 167 |
| Loan loss allowance to noncurrent loans | 4,300.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 5,891 |
| Noncurrent loans to loans | 0.0836% | 5,448 |
| Net loans and leases to total assets | 17.2476% | 6,299 |
| Net loans and leases to deposits | 21.2261% | 6,294 |
| Net loans and leases to core deposits | 21.2261% | 6,299 |
| Total domestic deposits to total assets | 81.2565% | 4,748 |
| Equity capital to assets | 18.6986% | 281 |
| Core capital (leverage) ratio | 19.7348% | 218 |
| Tier 1 risk-based capital ratio | 71.4286% | 78 |
| Total risk-based capital ratio | 72.6857% | 79 |
| Memoranda: | ||
| Average total assets | $6,362,000 | 6,419 |
| Average earning assets | $5,684,000 | 6,404 |
| Average equity | $1,231,500 | 6,394 |
| Average total loans | $1,207,000 | 6,379 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4176% | 5,498 |
| Cost of funding earning assets | 0.0000% | 6,493 |
| Net interest margin | 3.4176% | 4,123 |
| Noninterest income to average assets | 2.9089% | 200 |
| Noninterest expense to average assets | 3.2680% | 2,012 |
| Loan and lease loss provision to assets | 0.1975% | 1,291 |
| Net operating income to assets | 1.8135% | 468 |
| Return on assets (ROA) | 1.8135% | 482 |
| Pretax return on assets | 2.4779% | 199 |
| Return on Equity (ROE) | 8.5666% | 2,805 |
| Retained earnings to average equity (ytd only) | 8.5666% | 809 |
| Net charge-offs to loans | 0.0832% | 3,304 |
| Credit loss provision to net charge-offs | 1,100.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 361 |
| Efficiency ratio | 54.9849% | 5,765 |
| Assets per employee ($millions) | 3.0195% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2841% | 219 |
| Loan loss allowance to noncurrent loans | 1,333.3333% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 5,827 |
| Noncurrent loans to loans | 0.2463% | 4,948 |
| Net loans and leases to total assets | 19.5065% | 6,372 |
| Net loans and leases to deposits | 24.4094% | 6,363 |
| Net loans and leases to core deposits | 24.4094% | 6,366 |
| Total domestic deposits to total assets | 79.9139% | 5,045 |
| Equity capital to assets | 20.0861% | 223 |
| Core capital (leverage) ratio | 20.5280% | 192 |
| Tier 1 risk-based capital ratio | 67.4638% | 73 |
| Total risk-based capital ratio | 68.7430% | 73 |
| Memoranda: | ||
| Average total assets | $5,569,200 | 6,513 |
| Average earning assets | $4,945,000 | 6,496 |
| Average equity | $1,179,000 | 6,488 |
| Average total loans | $1,201,400 | 6,469 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4404% | 5,520 |
| Cost of funding earning assets | 0.0000% | 6,574 |
| Net interest margin | 3.4404% | 4,064 |
| Noninterest income to average assets | 2.9592% | 192 |
| Noninterest expense to average assets | 2.9836% | 2,858 |
| Loan and lease loss provision to assets | 0.1957% | 1,229 |
| Net operating income to assets | 2.8369% | 106 |
| Return on assets (ROA) | 2.8369% | 105 |
| Pretax return on assets | 2.8369% | 134 |
| Return on Equity (ROE) | 13.2132% | 1,167 |
| Retained earnings to average equity (ytd only) | 13.2132% | 308 |
| Net charge-offs to loans | 0.1111% | 2,688 |
| Credit loss provision to net charge-offs | 800.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 124.3083% | 480 |
| Efficiency ratio | 49.5935% | 6,115 |
| Assets per employee ($millions) | 2.8630% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9695% | 372 |
| Loan loss allowance to noncurrent loans | 925.0000% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 5,876 |
| Noncurrent loans to loans | 0.3210% | 4,949 |
| Net loans and leases to total assets | 21.1142% | 6,432 |
| Net loans and leases to deposits | 27.0712% | 6,409 |
| Net loans and leases to core deposits | 27.0712% | 6,422 |
| Total domestic deposits to total assets | 77.9951% | 5,534 |
| Equity capital to assets | 21.4460% | 171 |
| Core capital (leverage) ratio | 22.7365% | 126 |
| Tier 1 risk-based capital ratio | 74.1098% | 65 |
| Total risk-based capital ratio | 75.3772% | 64 |
| Memoranda: | ||
| Average total assets | $5,451,750 | 6,593 |
| Average earning assets | $4,844,250 | 6,576 |
| Average equity | $1,170,500 | 6,567 |
| Average total loans | $1,197,250 | 6,549 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3566% | 5,699 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 3.3566% | 4,370 |
| Noninterest income to average assets | 2.7610% | 210 |
| Noninterest expense to average assets | 3.0222% | 2,757 |
| Loan and lease loss provision to assets | 0.1866% | 1,309 |
| Net operating income to assets | 2.5372% | 132 |
| Return on assets (ROA) | 2.5372% | 138 |
| Pretax return on assets | 2.5372% | 195 |
| Return on Equity (ROE) | 11.8124% | 1,476 |
| Retained earnings to average equity (ytd only) | 11.8124% | 445 |
| Net charge-offs to loans | 0.3387% | 1,200 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 1,125 |
| Efficiency ratio | 52.5974% | 6,022 |
| Assets per employee ($millions) | 2.6025% | 6,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5502% | 670 |
| Loan loss allowance to noncurrent loans | 660.0000% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 5,863 |
| Noncurrent loans to loans | 0.3864% | 4,835 |
| Net loans and leases to total assets | 24.2267% | 6,447 |
| Net loans and leases to deposits | 31.4621% | 6,398 |
| Net loans and leases to core deposits | 31.4621% | 6,426 |
| Total domestic deposits to total assets | 77.0029% | 5,800 |
| Equity capital to assets | 22.6897% | 132 |
| Core capital (leverage) ratio | 22.6462% | 120 |
| Tier 1 risk-based capital ratio | 69.4297% | 71 |
| Total risk-based capital ratio | 70.6643% | 71 |
| Memoranda: | ||
| Average total assets | $5,360,330 | 6,660 |
| Average earning assets | $4,766,670 | 6,642 |
| Average equity | $1,151,330 | 6,632 |
| Average total loans | $1,181,000 | 6,616 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1421% | 6,071 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 3.1421% | 5,114 |
| Noninterest income to average assets | 2.8687% | 197 |
| Noninterest expense to average assets | 2.7216% | 3,865 |
| Loan and lease loss provision to assets | 0.1471% | 1,654 |
| Net operating income to assets | 2.7951% | 111 |
| Return on assets (ROA) | 2.7951% | 116 |
| Pretax return on assets | 2.7951% | 164 |
| Return on Equity (ROE) | 13.3744% | 1,068 |
| Retained earnings to average equity (ytd only) | 13.3744% | 444 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0519% | 6,354 |
| Assets per employee ($millions) | 2.7255% | 6,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8725% | 499 |
| Loan loss allowance to noncurrent loans | 457.1429% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 5,863 |
| Noncurrent loans to loans | 0.6284% | 4,296 |
| Net loans and leases to total assets | 19.8496% | 6,580 |
| Net loans and leases to deposits | 25.1745% | 6,561 |
| Net loans and leases to core deposits | 25.1745% | 6,565 |
| Total domestic deposits to total assets | 78.8479% | 5,711 |
| Equity capital to assets | 21.1154% | 168 |
| Core capital (leverage) ratio | 21.4659% | 145 |
| Tier 1 risk-based capital ratio | 75.3272% | 71 |
| Total risk-based capital ratio | 76.5707% | 70 |
| Memoranda: | ||
| Average total assets | $5,438,000 | 6,733 |
| Average earning assets | $4,837,500 | 6,715 |
| Average equity | $1,136,500 | 6,697 |
| Average total loans | $1,124,500 | 6,687 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6426% | 5,298 |
| Cost of funding earning assets | 0.0000% | 6,798 |
| Net interest margin | 3.6426% | 3,274 |
| Noninterest income to average assets | 3.1771% | 211 |
| Noninterest expense to average assets | 3.8042% | 1,130 |
| Loan and lease loss provision to assets | 0.2508% | 1,439 |
| Net operating income to assets | 1.9230% | 383 |
| Return on assets (ROA) | 1.9230% | 387 |
| Pretax return on assets | 2.3410% | 249 |
| Return on Equity (ROE) | 8.4481% | 2,801 |
| Retained earnings to average equity (ytd only) | 8.4481% | 921 |
| Net charge-offs to loans | -0.0879% | 6,446 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4771% | 5,543 |
| Assets per employee ($millions) | 2.7125% | 6,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6432% | 704 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 5,879 |
| Noncurrent loans to loans | 0.7048% | 4,209 |
| Net loans and leases to total assets | 20.3687% | 6,662 |
| Net loans and leases to deposits | 25.8661% | 6,642 |
| Net loans and leases to core deposits | 25.8661% | 6,648 |
| Total domestic deposits to total assets | 78.7465% | 5,701 |
| Equity capital to assets | 20.6820% | 177 |
| Core capital (leverage) ratio | 21.1260% | 156 |
| Tier 1 risk-based capital ratio | 81.0694% | 62 |
| Total risk-based capital ratio | 82.2977% | 62 |
| Memoranda: | ||
| Average total assets | $4,784,200 | 6,817 |
| Average earning assets | $4,227,800 | 6,805 |
| Average equity | $1,089,000 | 6,793 |
| Average total loans | $1,137,200 | 6,772 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8224% | 4,764 |
| Cost of funding earning assets | 0.0000% | 6,877 |
| Net interest margin | 3.8224% | 2,568 |
| Noninterest income to average assets | 3.3447% | 209 |
| Noninterest expense to average assets | 3.0564% | 2,798 |
| Loan and lease loss provision to assets | 0.2595% | 1,365 |
| Net operating income to assets | 3.4025% | 85 |
| Return on assets (ROA) | 3.4025% | 86 |
| Pretax return on assets | 3.4025% | 101 |
| Return on Equity (ROE) | 14.5575% | 878 |
| Retained earnings to average equity (ytd only) | 14.5575% | 225 |
| Net charge-offs to loans | -0.2347% | 6,680 |
| Credit loss provision to net charge-offs | -450.0000% | 6,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4936% | 6,612 |
| Assets per employee ($millions) | 2.5310% | 6,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1926% | 1,342 |
| Loan loss allowance to noncurrent loans | 90.3226% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 4,602 |
| Noncurrent loans to loans | 2.4276% | 1,802 |
| Net loans and leases to total assets | 24.6740% | 6,677 |
| Net loans and leases to deposits | 32.4584% | 6,603 |
| Net loans and leases to core deposits | 32.4584% | 6,638 |
| Total domestic deposits to total assets | 76.0174% | 6,164 |
| Equity capital to assets | 22.6393% | 128 |
| Core capital (leverage) ratio | 24.1925% | 96 |
| Tier 1 risk-based capital ratio | 63.1057% | 82 |
| Total risk-based capital ratio | 64.3722% | 81 |
| Memoranda: | ||
| Average total assets | $4,624,000 | 6,895 |
| Average earning assets | $4,081,250 | 6,884 |
| Average equity | $1,080,750 | 6,872 |
| Average total loans | $1,137,750 | 6,849 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9202% | 4,403 |
| Cost of funding earning assets | 0.0000% | 6,924 |
| Net interest margin | 3.9202% | 2,147 |
| Noninterest income to average assets | 3.1711% | 234 |
| Noninterest expense to average assets | 3.2157% | 2,311 |
| Loan and lease loss provision to assets | 0.2680% | 1,382 |
| Net operating income to assets | 3.1264% | 107 |
| Return on assets (ROA) | 3.1264% | 110 |
| Pretax return on assets | 3.1264% | 137 |
| Return on Equity (ROE) | 13.2200% | 1,188 |
| Retained earnings to average equity (ytd only) | 13.2200% | 356 |
| Net charge-offs to loans | -0.3665% | 6,786 |
| Credit loss provision to net charge-offs | -300.0000% | 5,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6486% | 6,501 |
| Assets per employee ($millions) | 2.3000% | 6,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1239% | 1,575 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 5,563 |
| Noncurrent loans to loans | 1.2389% | 3,477 |
| Net loans and leases to total assets | 24.0435% | 6,719 |
| Net loans and leases to deposits | 31.6362% | 6,661 |
| Net loans and leases to core deposits | 31.6362% | 6,691 |
| Total domestic deposits to total assets | 76.0000% | 6,246 |
| Equity capital to assets | 23.8696% | 103 |
| Core capital (leverage) ratio | 24.4489% | 87 |
| Tier 1 risk-based capital ratio | 69.3182% | 74 |
| Total risk-based capital ratio | 70.5808% | 70 |
| Memoranda: | ||
| Average total assets | $4,478,000 | 6,945 |
| Average earning assets | $3,928,330 | 6,933 |
| Average equity | $1,059,000 | 6,920 |
| Average total loans | $1,091,330 | 6,897 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 4,144 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 3.9939% | 1,815 |
| Noninterest income to average assets | 3.2601% | 227 |
| Noninterest expense to average assets | 3.5318% | 1,557 |
| Loan and lease loss provision to assets | 0.2717% | 1,304 |
| Net operating income to assets | 2.9885% | 106 |
| Return on assets (ROA) | 2.9885% | 113 |
| Pretax return on assets | 2.9885% | 157 |
| Return on Equity (ROE) | 12.6984% | 1,245 |
| Retained earnings to average equity (ytd only) | 12.6984% | 596 |
| Net charge-offs to loans | -0.7463% | 6,897 |
| Credit loss provision to net charge-offs | -150.0000% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0000% | 6,384 |
| Assets per employee ($millions) | 2.1235% | 6,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 2,261 |
| Loan loss allowance to noncurrent loans | 123.5294% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 5,390 |
| Noncurrent loans to loans | 1.5511% | 3,219 |
| Net loans and leases to total assets | 25.3120% | 6,745 |
| Net loans and leases to deposits | 33.8050% | 6,645 |
| Net loans and leases to core deposits | 33.8050% | 6,680 |
| Total domestic deposits to total assets | 74.8764% | 6,465 |
| Equity capital to assets | 24.9823% | 95 |
| Core capital (leverage) ratio | 22.4313% | 124 |
| Tier 1 risk-based capital ratio | 74.1440% | 71 |
| Total risk-based capital ratio | 75.6115% | 71 |
| Memoranda: | ||
| Average total assets | $4,417,000 | 7,023 |
| Average earning assets | $3,906,000 | 7,011 |
| Average equity | $1,039,500 | 6,993 |
| Average total loans | $1,072,000 | 6,975 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3720% | 6,512 |
| Cost of funding earning assets | 0.0000% | 7,072 |
| Net interest margin | 3.3720% | 4,987 |
| Noninterest income to average assets | 2.7686% | 280 |
| Noninterest expense to average assets | 3.3491% | 2,192 |
| Loan and lease loss provision to assets | 0.2679% | 2,502 |
| Net operating income to assets | 1.4959% | 926 |
| Return on assets (ROA) | 1.4959% | 1,014 |
| Pretax return on assets | 2.1211% | 476 |
| Return on Equity (ROE) | 6.7404% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.7404% | 1,698 |
| Net charge-offs to loans | 1.1089% | 949 |
| Credit loss provision to net charge-offs | 133.3333% | 2,098 |
| Earnings coverage of net charge-offs (x) | 11.8889% | 1,991 |
| Efficiency ratio | 58.3658% | 5,778 |
| Assets per employee ($millions) | 2.2935% | 6,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 3,212 |
| Loan loss allowance to noncurrent loans | 89.4737% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 5,455 |
| Noncurrent loans to loans | 1.8130% | 2,899 |
| Net loans and leases to total assets | 22.4766% | 6,885 |
| Net loans and leases to deposits | 29.0668% | 6,852 |
| Net loans and leases to core deposits | 29.0668% | 6,862 |
| Total domestic deposits to total assets | 77.3272% | 6,186 |
| Equity capital to assets | 22.1932% | 151 |
| Core capital (leverage) ratio | 23.4023% | 109 |
| Tier 1 risk-based capital ratio | 70.8420% | 75 |
| Total risk-based capital ratio | 72.0251% | 74 |
| Memoranda: | ||
| Average total assets | $4,478,800 | 7,088 |
| Average earning assets | $3,944,200 | 7,076 |
| Average equity | $994,000 | 7,064 |
| Average total loans | $811,600 | 7,043 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2618% | 6,753 |
| Cost of funding earning assets | 0.0000% | 7,171 |
| Net interest margin | 3.2618% | 5,510 |
| Noninterest income to average assets | 2.7254% | 282 |
| Noninterest expense to average assets | 3.2347% | 2,471 |
| Loan and lease loss provision to assets | 0.2696% | 2,414 |
| Net operating income to assets | 2.0965% | 333 |
| Return on assets (ROA) | 2.0965% | 373 |
| Pretax return on assets | 2.0965% | 579 |
| Return on Equity (ROE) | 9.4464% | 2,617 |
| Retained earnings to average equity (ytd only) | 9.4464% | 1,081 |
| Net charge-offs to loans | 1.0631% | 988 |
| Credit loss provision to net charge-offs | 150.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 13.1663% | 1,939 |
| Efficiency ratio | 57.7540% | 5,823 |
| Assets per employee ($millions) | 2.2165% | 6,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8085% | 2,770 |
| Loan loss allowance to noncurrent loans | 77.2727% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 5,435 |
| Noncurrent loans to loans | 2.3404% | 2,465 |
| Net loans and leases to total assets | 20.8211% | 7,016 |
| Net loans and leases to deposits | 27.1951% | 6,995 |
| Net loans and leases to core deposits | 27.1951% | 7,001 |
| Total domestic deposits to total assets | 76.5621% | 6,304 |
| Equity capital to assets | 23.0769% | 140 |
| Core capital (leverage) ratio | 24.3978% | 103 |
| Tier 1 risk-based capital ratio | 81.1905% | 60 |
| Total risk-based capital ratio | 82.5397% | 60 |
| Memoranda: | ||
| Average total assets | $4,451,750 | 7,185 |
| Average earning assets | $3,924,250 | 7,172 |
| Average equity | $988,000 | 7,161 |
| Average total loans | $752,500 | 7,140 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0395% | 6,961 |
| Cost of funding earning assets | 0.0000% | 7,233 |
| Net interest margin | 3.0395% | 6,144 |
| Noninterest income to average assets | 2.7367% | 270 |
| Noninterest expense to average assets | 3.1853% | 2,642 |
| Loan and lease loss provision to assets | 0.2692% | 2,433 |
| Net operating income to assets | 1.9740% | 407 |
| Return on assets (ROA) | 1.9740% | 472 |
| Pretax return on assets | 1.9740% | 725 |
| Return on Equity (ROE) | 9.0133% | 2,808 |
| Retained earnings to average equity (ytd only) | 9.0133% | 1,270 |
| Net charge-offs to loans | 1.1594% | 932 |
| Credit loss provision to net charge-offs | 150.0000% | 1,841 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,872 |
| Efficiency ratio | 58.6777% | 5,772 |
| Assets per employee ($millions) | 2.0590% | 7,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9704% | 2,310 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 6,770 |
| Noncurrent loans to loans | 0.1232% | 6,357 |
| Net loans and leases to total assets | 19.3298% | 7,090 |
| Net loans and leases to deposits | 25.5784% | 7,073 |
| Net loans and leases to core deposits | 25.5784% | 7,085 |
| Total domestic deposits to total assets | 75.5707% | 6,522 |
| Equity capital to assets | 24.1865% | 111 |
| Core capital (leverage) ratio | 22.2719% | 128 |
| Tier 1 risk-based capital ratio | 87.2154% | 52 |
| Total risk-based capital ratio | 88.6165% | 52 |
| Memoranda: | ||
| Average total assets | $4,458,000 | 7,249 |
| Average earning assets | $3,948,000 | 7,235 |
| Average equity | $976,330 | 7,216 |
| Average total loans | $690,000 | 7,204 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6387% | 7,149 |
| Cost of funding earning assets | 0.0000% | 7,293 |
| Net interest margin | 2.6387% | 6,848 |
| Noninterest income to average assets | 2.9386% | 250 |
| Noninterest expense to average assets | 2.7658% | 4,178 |
| Loan and lease loss provision to assets | 0.2593% | 2,384 |
| Net operating income to assets | 2.2472% | 261 |
| Return on assets (ROA) | 2.2472% | 316 |
| Pretax return on assets | 2.2472% | 494 |
| Return on Equity (ROE) | 10.7605% | 2,120 |
| Retained earnings to average equity (ytd only) | 10.7605% | 1,098 |
| Net charge-offs to loans | 2.5437% | 318 |
| Credit loss provision to net charge-offs | 75.0000% | 2,823 |
| Earnings coverage of net charge-offs (x) | 7.2500% | 2,098 |
| Efficiency ratio | 52.4590% | 6,500 |
| Assets per employee ($millions) | 2.4785% | 6,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0155% | 2,310 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 6,687 |
| Noncurrent loans to loans | 0.6202% | 5,413 |
| Net loans and leases to total assets | 12.7496% | 7,221 |
| Net loans and leases to deposits | 16.0814% | 7,224 |
| Net loans and leases to core deposits | 16.0814% | 7,222 |
| Total domestic deposits to total assets | 79.2818% | 6,018 |
| Equity capital to assets | 19.7297% | 233 |
| Core capital (leverage) ratio | 21.2886% | 151 |
| Tier 1 risk-based capital ratio | 81.5680% | 54 |
| Total risk-based capital ratio | 82.6522% | 54 |
| Memoranda: | ||
| Average total assets | $4,628,000 | 7,311 |
| Average earning assets | $4,093,000 | 7,298 |
| Average equity | $966,500 | 7,277 |
| Average total loans | $629,000 | 7,267 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8734% | 7,203 |
| Cost of funding earning assets | 0.0000% | 7,346 |
| Net interest margin | 2.8734% | 6,732 |
| Noninterest income to average assets | 4.0010% | 156 |
| Noninterest expense to average assets | 3.8203% | 1,308 |
| Loan and lease loss provision to assets | 0.3098% | 3,189 |
| Net operating income to assets | 2.3748% | 164 |
| Return on assets (ROA) | 2.3748% | 173 |
| Pretax return on assets | 2.3748% | 264 |
| Return on Equity (ROE) | 10.2200% | 1,984 |
| Retained earnings to average equity (ytd only) | 10.2200% | 517 |
| Net charge-offs to loans | 0.4246% | 3,306 |
| Credit loss provision to net charge-offs | 600.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 538 |
| Efficiency ratio | 58.7302% | 5,944 |
| Assets per employee ($millions) | 2.1495% | 7,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2838% | 1,647 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 6,913 |
| Noncurrent loans to loans | 0.1631% | 6,429 |
| Net loans and leases to total assets | 13.9335% | 7,269 |
| Net loans and leases to deposits | 17.9664% | 7,269 |
| Net loans and leases to core deposits | 17.9664% | 7,262 |
| Total domestic deposits to total assets | 77.5529% | 6,268 |
| Equity capital to assets | 22.2145% | 151 |
| Core capital (leverage) ratio | 22.5555% | 130 |
| Tier 1 risk-based capital ratio | 99.0664% | 52 |
| Total risk-based capital ratio | 100.5187% | 52 |
| Memoranda: | ||
| Average total assets | $3,874,000 | 7,362 |
| Average earning assets | $3,375,800 | 7,350 |
| Average equity | $900,200 | 7,336 |
| Average total loans | $471,000 | 7,318 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8019% | 7,305 |
| Cost of funding earning assets | 0.0000% | 7,423 |
| Net interest margin | 2.8019% | 6,880 |
| Noninterest income to average assets | 3.7157% | 170 |
| Noninterest expense to average assets | 3.9987% | 1,004 |
| Loan and lease loss provision to assets | 0.3185% | 2,990 |
| Net operating income to assets | 1.8401% | 481 |
| Return on assets (ROA) | 1.8401% | 518 |
| Pretax return on assets | 1.8401% | 884 |
| Return on Equity (ROE) | 7.8206% | 3,121 |
| Retained earnings to average equity (ytd only) | 7.8206% | 1,579 |
| Net charge-offs to loans | 0.9185% | 1,746 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 20.3325% | 1,223 |
| Efficiency ratio | 64.9425% | 4,904 |
| Assets per employee ($millions) | 2.1115% | 7,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 3,669 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 7,003 |
| Noncurrent loans to loans | 0.1600% | 6,549 |
| Net loans and leases to total assets | 14.5631% | 7,341 |
| Net loans and leases to deposits | 18.7958% | 7,341 |
| Net loans and leases to core deposits | 18.7958% | 7,337 |
| Total domestic deposits to total assets | 77.4805% | 6,304 |
| Equity capital to assets | 21.6671% | 178 |
| Core capital (leverage) ratio | 22.7782% | 139 |
| Tier 1 risk-based capital ratio | 94.2327% | 62 |
| Total risk-based capital ratio | 95.2626% | 62 |
| Memoranda: | ||
| Average total assets | $3,767,750 | 7,442 |
| Average earning assets | $3,283,500 | 7,429 |
| Average equity | $886,500 | 7,414 |
| Average total loans | $435,500 | 7,394 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7488% | 7,394 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 2.7488% | 6,975 |
| Noninterest income to average assets | 4.2035% | 160 |
| Noninterest expense to average assets | 4.3695% | 690 |
| Loan and lease loss provision to assets | 0.3319% | 2,788 |
| Net operating income to assets | 1.8805% | 424 |
| Return on assets (ROA) | 1.8805% | 454 |
| Pretax return on assets | 1.8805% | 742 |
| Return on Equity (ROE) | 7.7537% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.7537% | 1,551 |
| Net charge-offs to loans | 1.6115% | 909 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,557 |
| Efficiency ratio | 66.3866% | 4,801 |
| Assets per employee ($millions) | 1.3097% | 7,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 4,987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 13.3622% | 7,425 |
| Net loans and leases to deposits | 17.3496% | 7,422 |
| Net loans and leases to core deposits | 17.3496% | 7,421 |
| Total domestic deposits to total assets | 77.0171% | 6,448 |
| Equity capital to assets | 22.8302% | 157 |
| Core capital (leverage) ratio | 23.8564% | 130 |
| Tier 1 risk-based capital ratio | 112.1250% | 49 |
| Total risk-based capital ratio | 113.0000% | 49 |
| Memoranda: | ||
| Average total assets | $3,616,000 | 7,518 |
| Average earning assets | $3,128,670 | 7,508 |
| Average equity | $877,000 | 7,490 |
| Average total loans | $372,330 | 7,471 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5606% | 7,473 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 2.5606% | 7,155 |
| Noninterest income to average assets | 3.9312% | 167 |
| Noninterest expense to average assets | 4.8562% | 412 |
| Loan and lease loss provision to assets | 0.3469% | 2,484 |
| Net operating income to assets | 0.9250% | 2,459 |
| Return on assets (ROA) | 0.9250% | 2,519 |
| Pretax return on assets | 0.9250% | 3,411 |
| Return on Equity (ROE) | 3.6909% | 5,047 |
| Retained earnings to average equity (ytd only) | 3.6909% | 3,960 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2453% | 2,658 |
| Assets per employee ($millions) | 1.1990% | 7,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 2,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 10.2863% | 7,500 |
| Net loans and leases to deposits | 13.7139% | 7,500 |
| Net loans and leases to core deposits | 13.7139% | 7,490 |
| Total domestic deposits to total assets | 75.0070% | 6,791 |
| Equity capital to assets | 24.2146% | 129 |
| Core capital (leverage) ratio | 25.9767% | 103 |
| Tier 1 risk-based capital ratio | 142.7869% | 42 |
| Total risk-based capital ratio | 143.9344% | 42 |
| Memoranda: | ||
| Average total assets | $3,459,500 | 7,580 |
| Average earning assets | $2,968,000 | 7,569 |
| Average equity | $867,000 | 7,548 |
| Average total loans | $292,500 | 7,530 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0608% | 7,489 |
| Cost of funding earning assets | 0.0000% | 7,641 |
| Net interest margin | 3.0608% | 6,617 |
| Noninterest income to average assets | 4.4594% | 153 |
| Noninterest expense to average assets | 6.3531% | 198 |
| Loan and lease loss provision to assets | 0.0916% | 6,227 |
| Net operating income to assets | 0.4887% | 4,156 |
| Return on assets (ROA) | 0.4887% | 4,311 |
| Pretax return on assets | 0.4887% | 4,658 |
| Return on Equity (ROE) | 1.7766% | 5,473 |
| Retained earnings to average equity (ytd only) | 1.7766% | 4,611 |
| Net charge-offs to loans | 1.4065% | 1,587 |
| Credit loss provision to net charge-offs | 150.0000% | 2,411 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,815 |
| Efficiency ratio | 91.6300% | 1,206 |
| Assets per employee ($millions) | 0.8305% | 7,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9231% | 2,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 6.1409% | 7,597 |
| Net loans and leases to deposits | 8.3572% | 7,601 |
| Net loans and leases to core deposits | 8.3572% | 7,586 |
| Total domestic deposits to total assets | 73.4798% | 6,951 |
| Equity capital to assets | 25.9783% | 113 |
| Core capital (leverage) ratio | 26.9603% | 105 |
| Tier 1 risk-based capital ratio | 204.9881% | 35 |
| Total risk-based capital ratio | 205.9382% | 35 |
| Memoranda: | ||
| Average total assets | $3,274,000 | 7,666 |
| Average earning assets | $2,646,400 | 7,654 |
| Average equity | $900,600 | 7,639 |
| Average total loans | $142,200 | 7,613 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0728% | 7,618 |
| Cost of funding earning assets | 0.0000% | 7,745 |
| Net interest margin | 3.0728% | 6,678 |
| Noninterest income to average assets | 4.7823% | 143 |
| Noninterest expense to average assets | 6.6625% | 168 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5723% | 3,994 |
| Return on assets (ROA) | 0.5723% | 4,162 |
| Pretax return on assets | 0.5723% | 4,683 |
| Return on Equity (ROE) | 2.0516% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.0516% | 4,929 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0904% | 1,123 |
| Assets per employee ($millions) | 1.1067% | 7,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3810% | 1,499 |
| Loan loss allowance to noncurrent loans | 25.0000% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 6,495 |
| Noncurrent loans to loans | 9.5238% | 468 |
| Net loans and leases to total assets | 3.7048% | 7,707 |
| Net loans and leases to deposits | 5.4935% | 7,709 |
| Net loans and leases to core deposits | 5.4935% | 7,693 |
| Total domestic deposits to total assets | 67.4398% | 7,408 |
| Equity capital to assets | 32.4398% | 74 |
| Core capital (leverage) ratio | 35.1501% | 63 |
| Tier 1 risk-based capital ratio | 286.4362% | 25 |
| Total risk-based capital ratio | 287.2340% | 25 |
| Memoranda: | ||
| Average total assets | $3,262,000 | 7,769 |
| Average earning assets | $2,603,500 | 7,757 |
| Average equity | $910,000 | 7,743 |
| Average total loans | $125,750 | 7,715 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4834% | 7,749 |
| Cost of funding earning assets | 0.0000% | 7,814 |
| Net interest margin | 2.4834% | 7,428 |
| Noninterest income to average assets | 5.1809% | 137 |
| Noninterest expense to average assets | 6.6612% | 171 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5551% | 4,061 |
| Return on assets (ROA) | 0.5551% | 4,204 |
| Pretax return on assets | 0.5551% | 4,719 |
| Return on Equity (ROE) | 2.1069% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.1069% | 4,805 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3077% | 1,169 |
| Assets per employee ($millions) | 0.9860% | 7,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3810% | 1,452 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 6,644 |
| Noncurrent loans to loans | 7.1429% | 781 |
| Net loans and leases to total assets | 4.1582% | 7,775 |
| Net loans and leases to deposits | 5.9021% | 7,779 |
| Net loans and leases to core deposits | 5.9021% | 7,763 |
| Total domestic deposits to total assets | 70.4530% | 7,298 |
| Equity capital to assets | 29.5470% | 90 |
| Core capital (leverage) ratio | 26.9254% | 108 |
| Tier 1 risk-based capital ratio | 346.8254% | 21 |
| Total risk-based capital ratio | 348.0159% | 21 |
| Memoranda: | ||
| Average total assets | $3,242,670 | 7,838 |
| Average earning assets | $2,657,670 | 7,826 |
| Average equity | $854,330 | 7,814 |
| Average total loans | $125,670 | 7,783 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8062% | 7,882 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 1.8062% | 7,772 |
| Noninterest income to average assets | 5.5539% | 128 |
| Noninterest expense to average assets | 6.2629% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 5.5539% | 35 |
| Return on assets (ROA) | 5.5539% | 37 |
| Pretax return on assets | 0.7090% | 4,202 |
| Return on Equity (ROE) | 22.2617% | 262 |
| Retained earnings to average equity (ytd only) | 22.2617% | 147 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8305% | 1,448 |
| Assets per employee ($millions) | 1.1777% | 7,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4390% | 1,376 |
| Loan loss allowance to noncurrent loans | 75.0000% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 7,195 |
| Noncurrent loans to loans | 3.2520% | 2,457 |
| Net loans and leases to total assets | 3.3965% | 7,877 |
| Net loans and leases to deposits | 4.5028% | 7,881 |
| Net loans and leases to core deposits | 4.5028% | 7,865 |
| Total domestic deposits to total assets | 75.4316% | 6,840 |
| Equity capital to assets | 24.5684% | 154 |
| Core capital (leverage) ratio | 25.7949% | 128 |
| Tier 1 risk-based capital ratio | 232.7078% | 29 |
| Total risk-based capital ratio | 233.5121% | 29 |
| Memoranda: | ||
| Average total assets | $3,385,000 | 7,940 |
| Average earning assets | $2,657,500 | 7,930 |
| Average equity | $844,500 | 7,907 |
| Average total loans | $125,500 | 7,885 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6563% | 7,944 |
| Cost of funding earning assets | 0.0000% | 8,000 |
| Net interest margin | 1.6563% | 7,842 |
| Noninterest income to average assets | 6.2508% | 115 |
| Noninterest expense to average assets | 6.5878% | 240 |
| Loan and lease loss provision to assets | 0.0613% | 6,952 |
| Net operating income to assets | 0.7660% | 2,654 |
| Return on assets (ROA) | 0.7660% | 2,746 |
| Pretax return on assets | 0.9499% | 2,760 |
| Return on Equity (ROE) | 2.9474% | 4,524 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 1.9157% | 1,293 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,249 |
| Efficiency ratio | 86.6935% | 2,035 |
| Assets per employee ($millions) | 1.0790% | 7,944 |
| Cash dividends to net income (ytd only)* | 100.0000% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3438% | 1,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 3.8616% | 7,952 |
| Net loans and leases to deposits | 5.2654% | 7,957 |
| Net loans and leases to core deposits | 5.2654% | 7,953 |
| Total domestic deposits to total assets | 73.3395% | 7,113 |
| Equity capital to assets | 25.3630% | 157 |
| Core capital (leverage) ratio | 26.7688% | 136 |
| Tier 1 risk-based capital ratio | 278.3051% | 21 |
| Total risk-based capital ratio | 280.3390% | 21 |
| Memoranda: | ||
| Average total assets | $3,263,600 | 8,019 |
| Average earning assets | $2,656,600 | 8,010 |
| Average equity | $848,200 | 7,992 |
| Average total loans | $104,400 | 7,963 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9580% | 8,031 |
| Cost of funding earning assets | 0.0000% | 8,084 |
| Net interest margin | 1.9580% | 7,832 |
| Noninterest income to average assets | 6.8087% | 110 |
| Noninterest expense to average assets | 5.8711% | 320 |
| Loan and lease loss provision to assets | 0.0816% | 6,550 |
| Net operating income to assets | 2.2423% | 167 |
| Return on assets (ROA) | 2.2423% | 182 |
| Pretax return on assets | 2.4463% | 212 |
| Return on Equity (ROE) | 8.5766% | 2,419 |
| Retained earnings to average equity (ytd only) | 8.5766% | 951 |
| Net charge-offs to loans | 2.7107% | 666 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 30.9588% | 916 |
| Efficiency ratio | 69.9029% | 4,612 |
| Assets per employee ($millions) | 1.0657% | 8,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9412% | 699 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 7,504 |
| Noncurrent loans to loans | 0.9804% | 5,344 |
| Net loans and leases to total assets | 3.0967% | 8,037 |
| Net loans and leases to deposits | 4.3006% | 8,041 |
| Net loans and leases to core deposits | 4.3006% | 8,032 |
| Total domestic deposits to total assets | 72.0050% | 7,213 |
| Equity capital to assets | 27.4007% | 144 |
| Core capital (leverage) ratio | 28.3863% | 138 |
| Tier 1 risk-based capital ratio | 478.6885% | 5 |
| Total risk-based capital ratio | 480.3279% | 5 |
| Memoranda: | ||
| Average total assets | $3,270,250 | 8,105 |
| Average earning assets | $2,655,750 | 8,097 |
| Average equity | $855,000 | 8,075 |
| Average total loans | $98,500 | 8,046 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8539% | 8,089 |
| Cost of funding earning assets | 0.0000% | 8,178 |
| Net interest margin | 2.8539% | 6,901 |
| Noninterest income to average assets | 8.0736% | 88 |
| Noninterest expense to average assets | 7.1024% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 3.1566% | 52 |
| Return on assets (ROA) | 3.1566% | 59 |
| Pretax return on assets | 3.2780% | 82 |
| Return on Equity (ROE) | 12.2642% | 1,341 |
| Retained earnings to average equity (ytd only) | 12.2642% | 406 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4211% | 5,086 |
| Assets per employee ($millions) | 1.0133% | 8,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1915% | 487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 2.9934% | 8,131 |
| Net loans and leases to deposits | 4.2703% | 8,135 |
| Net loans and leases to core deposits | 4.2703% | 8,126 |
| Total domestic deposits to total assets | 70.0987% | 7,462 |
| Equity capital to assets | 28.7500% | 149 |
| Core capital (leverage) ratio | 26.4768% | 180 |
| Tier 1 risk-based capital ratio | 324.9071% | 17 |
| Total risk-based capital ratio | 326.0223% | 17 |
| Memoranda: | ||
| Average total assets | $3,294,670 | 8,201 |
| Average earning assets | $2,663,000 | 8,192 |
| Average equity | $848,000 | 8,169 |
| Average total loans | $97,330 | 8,141 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6359% | 8,162 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 2.6359% | 7,319 |
| Noninterest income to average assets | 8.0655% | 80 |
| Noninterest expense to average assets | 5.6108% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 3.2729% | 55 |
| Return on assets (ROA) | 3.2729% | 64 |
| Pretax return on assets | 4.5587% | 49 |
| Return on Equity (ROE) | 13.4132% | 1,290 |
| Retained earnings to average equity (ytd only) | 13.4132% | 581 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1724% | 7,081 |
| Assets per employee ($millions) | 1.1457% | 8,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7027% | 626 |
| Loan loss allowance to noncurrent loans | 37.5000% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 6,827 |
| Noncurrent loans to loans | 7.2072% | 543 |
| Net loans and leases to total assets | 3.1423% | 8,182 |
| Net loans and leases to deposits | 4.2587% | 8,188 |
| Net loans and leases to core deposits | 4.2587% | 8,178 |
| Total domestic deposits to total assets | 73.7853% | 6,924 |
| Equity capital to assets | 24.7018% | 228 |
| Core capital (leverage) ratio | 23.6622% | 265 |
| Tier 1 risk-based capital ratio | 301.0638% | 23 |
| Total risk-based capital ratio | 302.1277% | 23 |
| Memoranda: | ||
| Average total assets | $3,422,000 | 8,250 |
| Average earning assets | $2,731,500 | 8,242 |
| Average equity | $835,000 | 8,222 |
| Average total loans | $99,000 | 8,191 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7108% | 8,129 |
| Cost of funding earning assets | 0.0000% | 8,290 |
| Net interest margin | 3.7108% | 4,426 |
| Noninterest income to average assets | 27.5537% | 42 |
| Noninterest expense to average assets | 6.9291% | 287 |
| Loan and lease loss provision to assets | 0.2602% | 4,321 |
| Net operating income to assets | 15.5498% | 13 |
| Return on assets (ROA) | 15.5498% | 14 |
| Pretax return on assets | 23.2596% | 13 |
| Return on Equity (ROE) | 67.6287% | 7 |
| Retained earnings to average equity (ytd only) | 64.0917% | 2 |
| Net charge-offs to loans | 8.7336% | 20 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 90.3750% | 467 |
| Efficiency ratio | 22.7564% | 8,253 |
| Assets per employee ($millions) | 1.1357% | 8,222 |
| Cash dividends to net income (ytd only)* | 5.2301% | 4,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4483% | 294 |
| Loan loss allowance to noncurrent loans | 60.0000% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 6,986 |
| Noncurrent loans to loans | 5.7471% | 660 |
| Net loans and leases to total assets | 2.4655% | 8,238 |
| Net loans and leases to deposits | 3.6067% | 8,242 |
| Net loans and leases to core deposits | 3.6067% | 8,233 |
| Total domestic deposits to total assets | 68.3593% | 7,433 |
| Equity capital to assets | 24.0974% | 285 |
| Core capital (leverage) ratio | 23.4571% | 292 |
| Tier 1 risk-based capital ratio | 245.0746% | 32 |
| Total risk-based capital ratio | 245.9701% | 32 |
| Memoranda: | ||
| Average total assets | $3,074,000 | 8,314 |
| Average earning assets | $2,398,400 | 8,304 |
| Average equity | $706,800 | 8,295 |
| Average total loans | $91,600 | 8,246 |