Home > Ohana Pacific Bank > Performance and Condition Ratios
Ohana Pacific Bank, Performance and Condition Ratios
| 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 | 3.1562% | 3,757 |
| Cost of funding earning assets | 0.3571% | 2,255 |
| Net interest margin | 2.7992% | 3,785 |
| Noninterest income to average assets | 0.1646% | 4,376 |
| Noninterest expense to average assets | 2.1230% | 3,326 |
| Loan and lease loss provision to assets | 0.0514% | 2,006 |
| Net operating income to assets | 0.5053% | 4,212 |
| Return on assets (ROA) | 0.5053% | 4,258 |
| Pretax return on assets | 0.7280% | 4,011 |
| Return on Equity (ROE) | 4.8941% | 4,146 |
| Retained earnings to average equity (ytd only) | 2.4517% | 4,008 |
| Net charge-offs to loans | -0.0567% | 4,430 |
| Credit loss provision to net charge-offs | -125.5814% | 3,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1475% | 1,323 |
| Assets per employee ($millions) | 9.8342% | 644 |
| Cash dividends to net income (ytd only)* | 49.9058% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 2,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 65.6323% | 1,735 |
| Net loans and leases to deposits | 73.1888% | 2,079 |
| Net loans and leases to core deposits | 83.7325% | 1,586 |
| Total domestic deposits to total assets | 89.6753% | 933 |
| Equity capital to assets | 9.6880% | 3,161 |
| Core capital (leverage) ratio | 10.1418% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8447% | 988 |
| Memoranda: | ||
| Average total assets | $210,178,667 | 3,011 |
| Average earning assets | $205,561,333 | 2,940 |
| Average equity | $21,699,667 | 3,115 |
| Average total loans | $151,600,333 | 2,668 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2690% | 3,526 |
| Cost of funding earning assets | 0.4225% | 1,919 |
| Net interest margin | 2.8465% | 3,649 |
| Noninterest income to average assets | 0.1622% | 4,390 |
| Noninterest expense to average assets | 2.1506% | 3,270 |
| Loan and lease loss provision to assets | 0.0534% | 2,038 |
| Net operating income to assets | 0.5520% | 4,068 |
| Return on assets (ROA) | 0.5520% | 4,108 |
| Pretax return on assets | 0.7439% | 3,926 |
| Return on Equity (ROE) | 5.1683% | 4,063 |
| Retained earnings to average equity (ytd only) | 0.2593% | 4,336 |
| Net charge-offs to loans | -0.0499% | 4,394 |
| Credit loss provision to net charge-offs | -142.1053% | 2,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9530% | 1,411 |
| Assets per employee ($millions) | 8.9803% | 841 |
| Cash dividends to net income (ytd only)* | 94.9821% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 3,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 74.1489% | 800 |
| Net loans and leases to deposits | 83.4285% | 1,202 |
| Net loans and leases to core deposits | 94.3200% | 961 |
| Total domestic deposits to total assets | 88.8772% | 1,403 |
| Equity capital to assets | 10.4697% | 2,296 |
| Core capital (leverage) ratio | 11.0049% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4786% | 1,173 |
| Memoranda: | ||
| Average total assets | $202,175,000 | 3,073 |
| Average earning assets | $197,858,500 | 2,989 |
| Average equity | $21,593,000 | 3,112 |
| Average total loans | $152,236,500 | 2,666 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6273% | 3,744 |
| Cost of funding earning assets | 0.7586% | 1,404 |
| Net interest margin | 2.8687% | 4,167 |
| Noninterest income to average assets | 0.1698% | 4,438 |
| Noninterest expense to average assets | 1.9434% | 4,243 |
| Loan and lease loss provision to assets | 0.1168% | 2,894 |
| Net operating income to assets | 0.6480% | 3,602 |
| Return on assets (ROA) | 0.6480% | 3,726 |
| Pretax return on assets | 0.8879% | 3,403 |
| Return on Equity (ROE) | 6.0465% | 3,571 |
| Retained earnings to average equity (ytd only) | 4.8207% | 2,360 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9211% | 2,548 |
| Assets per employee ($millions) | 8.9910% | 745 |
| Cash dividends to net income (ytd only)* | 20.2724% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 74.6782% | 942 |
| Net loans and leases to deposits | 84.6893% | 1,389 |
| Net loans and leases to core deposits | 97.2737% | 1,046 |
| Total domestic deposits to total assets | 88.1791% | 1,391 |
| Equity capital to assets | 10.9003% | 2,342 |
| Core capital (leverage) ratio | 11.0367% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9308% | 1,065 |
| Memoranda: | ||
| Average total assets | $192,597,200 | 3,007 |
| Average earning assets | $186,532,000 | 2,940 |
| Average equity | $20,640,000 | 3,126 |
| Average total loans | $147,162,200 | 2,684 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6885% | 3,819 |
| Cost of funding earning assets | 0.8128% | 1,430 |
| Net interest margin | 2.8757% | 4,220 |
| Noninterest income to average assets | 0.1701% | 4,452 |
| Noninterest expense to average assets | 1.9836% | 4,187 |
| Loan and lease loss provision to assets | 0.1051% | 3,003 |
| Net operating income to assets | 0.6057% | 3,743 |
| Return on assets (ROA) | 0.6057% | 3,846 |
| Pretax return on assets | 0.8580% | 3,497 |
| Return on Equity (ROE) | 5.6769% | 3,671 |
| Retained earnings to average equity (ytd only) | 4.0241% | 3,038 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3132% | 2,279 |
| Assets per employee ($millions) | 8.5520% | 825 |
| Cash dividends to net income (ytd only)* | 29.1139% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 3,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 76.1972% | 1,069 |
| Net loans and leases to deposits | 86.3187% | 1,660 |
| Net loans and leases to core deposits | 99.6562% | 1,181 |
| Total domestic deposits to total assets | 88.2742% | 1,075 |
| Equity capital to assets | 10.7547% | 2,581 |
| Core capital (leverage) ratio | 10.5593% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5572% | 1,358 |
| Memoranda: | ||
| Average total assets | $191,296,000 | 3,002 |
| Average earning assets | $184,714,250 | 2,937 |
| Average equity | $20,409,750 | 3,144 |
| Average total loans | $146,579,250 | 2,697 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7287% | 4,027 |
| Cost of funding earning assets | 0.8506% | 1,602 |
| Net interest margin | 2.8781% | 4,345 |
| Noninterest income to average assets | 0.1657% | 4,464 |
| Noninterest expense to average assets | 2.1837% | 3,841 |
| Loan and lease loss provision to assets | 0.0876% | 3,187 |
| Net operating income to assets | 0.4665% | 4,094 |
| Return on assets (ROA) | 0.4665% | 4,161 |
| Pretax return on assets | 0.6871% | 3,897 |
| Return on Equity (ROE) | 4.3846% | 3,998 |
| Retained earnings to average equity (ytd only) | 1.8748% | 3,808 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8138% | 1,481 |
| Assets per employee ($millions) | 8.8219% | 719 |
| Cash dividends to net income (ytd only)* | 57.2398% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,036 |
| Loan loss allowance to noncurrent loans | 1,653.5354% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 4,286 |
| Noncurrent loans to loans | 0.0667% | 4,205 |
| Net loans and leases to total assets | 72.3424% | 1,646 |
| Net loans and leases to deposits | 81.3953% | 2,269 |
| Net loans and leases to core deposits | 94.0694% | 1,731 |
| Total domestic deposits to total assets | 88.8779% | 797 |
| Equity capital to assets | 10.2019% | 3,018 |
| Core capital (leverage) ratio | 10.7486% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7494% | 1,308 |
| Memoranda: | ||
| Average total assets | $189,496,333 | 2,994 |
| Average earning assets | $183,870,667 | 2,922 |
| Average equity | $20,161,667 | 3,158 |
| Average total loans | $144,912,000 | 2,697 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 3,832 |
| Cost of funding earning assets | 0.8875% | 1,936 |
| Net interest margin | 3.0983% | 4,097 |
| Noninterest income to average assets | 0.1904% | 4,417 |
| Noninterest expense to average assets | 2.4334% | 3,465 |
| Loan and lease loss provision to assets | 0.0569% | 3,050 |
| Net operating income to assets | 0.5317% | 3,801 |
| Return on assets (ROA) | 0.5317% | 3,862 |
| Pretax return on assets | 0.7331% | 3,584 |
| Return on Equity (ROE) | 4.8863% | 3,673 |
| Retained earnings to average equity (ytd only) | 4.8863% | 2,327 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4922% | 1,620 |
| Assets per employee ($millions) | 8.2624% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1100% | 3,152 |
| Loan loss allowance to noncurrent loans | 1,595.9596% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 4,320 |
| Noncurrent loans to loans | 0.0696% | 4,251 |
| Net loans and leases to total assets | 77.4382% | 1,061 |
| Net loans and leases to deposits | 87.7803% | 1,770 |
| Net loans and leases to core deposits | 105.6296% | 1,083 |
| Total domestic deposits to total assets | 88.2182% | 1,008 |
| Equity capital to assets | 11.0176% | 2,840 |
| Core capital (leverage) ratio | 10.8709% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3314% | 1,271 |
| Memoranda: | ||
| Average total assets | $182,793,000 | 3,025 |
| Average earning assets | $178,935,000 | 2,935 |
| Average equity | $19,892,500 | 3,180 |
| Average total loans | $143,157,000 | 2,700 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 3,444 |
| Cost of funding earning assets | 0.9272% | 2,073 |
| Net interest margin | 3.4065% | 3,727 |
| Noninterest income to average assets | 0.2253% | 4,318 |
| Noninterest expense to average assets | 2.2302% | 4,105 |
| Loan and lease loss provision to assets | 0.0763% | 2,465 |
| Net operating income to assets | 0.9143% | 3,154 |
| Return on assets (ROA) | 0.9143% | 3,230 |
| Pretax return on assets | 1.2651% | 2,626 |
| Return on Equity (ROE) | 8.2044% | 3,079 |
| Retained earnings to average equity (ytd only) | 6.8777% | 1,440 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4441% | 3,301 |
| Assets per employee ($millions) | 7.6589% | 811 |
| Cash dividends to net income (ytd only)* | 16.1708% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 3,061 |
| Loan loss allowance to noncurrent loans | 1,569.6970% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 4,359 |
| Noncurrent loans to loans | 0.0688% | 4,261 |
| Net loans and leases to total assets | 77.4800% | 1,165 |
| Net loans and leases to deposits | 87.6479% | 1,889 |
| Net loans and leases to core deposits | 105.2500% | 1,155 |
| Total domestic deposits to total assets | 88.3991% | 938 |
| Equity capital to assets | 10.7489% | 3,220 |
| Core capital (leverage) ratio | 11.3594% | 2,207 |
| Tier 1 risk-based capital ratio | 15.4513% | 2,597 |
| Total risk-based capital ratio | 16.7017% | 2,527 |
| Memoranda: | ||
| Average total assets | $169,084,200 | 3,118 |
| Average earning assets | $166,095,200 | 3,030 |
| Average equity | $18,843,600 | 3,241 |
| Average total loans | $137,899,400 | 2,749 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 3,316 |
| Cost of funding earning assets | 0.9283% | 2,090 |
| Net interest margin | 3.4819% | 3,621 |
| Noninterest income to average assets | 0.2257% | 4,384 |
| Noninterest expense to average assets | 2.3756% | 3,754 |
| Loan and lease loss provision to assets | 0.1040% | 1,850 |
| Net operating income to assets | 0.8432% | 3,536 |
| Return on assets (ROA) | 0.8432% | 3,623 |
| Pretax return on assets | 1.1688% | 3,074 |
| Return on Equity (ROE) | 7.4920% | 3,510 |
| Retained earnings to average equity (ytd only) | 5.7014% | 2,510 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1127% | 2,839 |
| Assets per employee ($millions) | 8.2901% | 626 |
| Cash dividends to net income (ytd only)* | 23.9010% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 3,050 |
| Loan loss allowance to noncurrent loans | 1,569.6970% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 4,421 |
| Noncurrent loans to loans | 0.0698% | 4,323 |
| Net loans and leases to total assets | 80.5517% | 772 |
| Net loans and leases to deposits | 90.9807% | 1,570 |
| Net loans and leases to core deposits | 110.5667% | 925 |
| Total domestic deposits to total assets | 88.5371% | 808 |
| Equity capital to assets | 11.0562% | 3,050 |
| Core capital (leverage) ratio | 11.2815% | 2,398 |
| Tier 1 risk-based capital ratio | 16.0113% | 2,423 |
| Total risk-based capital ratio | 17.2624% | 2,366 |
| Memoranda: | ||
| Average total assets | $165,401,750 | 3,183 |
| Average earning assets | $162,588,000 | 3,093 |
| Average equity | $18,615,000 | 3,289 |
| Average total loans | $136,381,000 | 2,785 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 3,256 |
| Cost of funding earning assets | 0.9113% | 2,089 |
| Net interest margin | 3.5164% | 3,541 |
| Noninterest income to average assets | 0.2055% | 4,518 |
| Noninterest expense to average assets | 2.5316% | 3,383 |
| Loan and lease loss provision to assets | 0.1588% | 1,143 |
| Net operating income to assets | 0.7040% | 3,995 |
| Return on assets (ROA) | 0.7040% | 4,049 |
| Pretax return on assets | 0.9723% | 3,636 |
| Return on Equity (ROE) | 6.2160% | 3,974 |
| Retained earnings to average equity (ytd only) | 3.4992% | 3,492 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1196% | 2,366 |
| Assets per employee ($millions) | 7.5179% | 802 |
| Cash dividends to net income (ytd only)* | 43.7063% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 2,921 |
| Loan loss allowance to noncurrent loans | 1,569.6970% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 4,456 |
| Noncurrent loans to loans | 0.0718% | 4,361 |
| Net loans and leases to total assets | 82.4128% | 546 |
| Net loans and leases to deposits | 93.2874% | 1,338 |
| Net loans and leases to core deposits | 111.1786% | 905 |
| Total domestic deposits to total assets | 88.3429% | 944 |
| Equity capital to assets | 11.3451% | 2,746 |
| Core capital (leverage) ratio | 11.3739% | 2,271 |
| Tier 1 risk-based capital ratio | 16.0575% | 2,388 |
| Total risk-based capital ratio | 17.3095% | 2,331 |
| Memoranda: | ||
| Average total assets | $162,505,000 | 3,231 |
| Average earning assets | $159,765,330 | 3,134 |
| Average equity | $18,404,000 | 3,304 |
| Average total loans | $134,578,670 | 2,822 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3912% | 3,259 |
| Cost of funding earning assets | 0.8590% | 2,218 |
| Net interest margin | 3.5322% | 3,490 |
| Noninterest income to average assets | 0.2136% | 4,464 |
| Noninterest expense to average assets | 2.6723% | 2,989 |
| Loan and lease loss provision to assets | 0.1043% | 1,697 |
| Net operating income to assets | 0.6606% | 4,062 |
| Return on assets (ROA) | 0.6606% | 4,099 |
| Pretax return on assets | 0.9090% | 3,739 |
| Return on Equity (ROE) | 5.8385% | 4,072 |
| Retained earnings to average equity (ytd only) | 0.3512% | 4,467 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5067% | 1,961 |
| Assets per employee ($millions) | 7.3444% | 865 |
| Cash dividends to net income (ytd only)* | 93.9850% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 3,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 83.0903% | 459 |
| Net loans and leases to deposits | 94.0998% | 1,166 |
| Net loans and leases to core deposits | 110.5262% | 897 |
| Total domestic deposits to total assets | 88.3002% | 1,189 |
| Equity capital to assets | 11.2869% | 2,571 |
| Core capital (leverage) ratio | 11.2936% | 2,300 |
| Tier 1 risk-based capital ratio | 15.6666% | 2,578 |
| Total risk-based capital ratio | 16.9174% | 2,506 |
| Memoranda: | ||
| Average total assets | $161,061,000 | 3,287 |
| Average earning assets | $158,315,500 | 3,182 |
| Average equity | $18,224,000 | 3,335 |
| Average total loans | $132,938,500 | 2,872 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 3,519 |
| Cost of funding earning assets | 0.5845% | 2,823 |
| Net interest margin | 3.5877% | 3,423 |
| Noninterest income to average assets | 0.3066% | 4,063 |
| Noninterest expense to average assets | 2.4400% | 3,770 |
| Loan and lease loss provision to assets | 0.0998% | 2,189 |
| Net operating income to assets | 0.9173% | 3,374 |
| Return on assets (ROA) | 0.9173% | 3,364 |
| Pretax return on assets | 1.2935% | 2,526 |
| Return on Equity (ROE) | 7.9654% | 3,453 |
| Retained earnings to average equity (ytd only) | 6.5456% | 1,900 |
| Net charge-offs to loans | 0.0057% | 3,505 |
| Credit loss provision to net charge-offs | 2,171.4286% | 207 |
| Earnings coverage of net charge-offs (x) | 303.1429% | 326 |
| Efficiency ratio | 63.6519% | 3,231 |
| Assets per employee ($millions) | 6.9803% | 981 |
| Cash dividends to net income (ytd only)* | 17.8239% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,131 |
| 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 | 80.1832% | 910 |
| Net loans and leases to deposits | 90.7643% | 1,704 |
| Net loans and leases to core deposits | 105.5042% | 1,305 |
| Total domestic deposits to total assets | 88.3423% | 1,141 |
| Equity capital to assets | 11.3432% | 2,375 |
| Core capital (leverage) ratio | 11.6805% | 1,969 |
| Tier 1 risk-based capital ratio | 16.4273% | 2,265 |
| Total risk-based capital ratio | 17.6785% | 2,202 |
| Memoranda: | ||
| Average total assets | $152,296,000 | 3,359 |
| Average earning assets | $149,706,000 | 3,247 |
| Average equity | $17,538,400 | 3,341 |
| Average total loans | $123,329,400 | 2,959 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 3,484 |
| Cost of funding earning assets | 0.5290% | 3,001 |
| Net interest margin | 3.6139% | 3,320 |
| Noninterest income to average assets | 0.3151% | 4,045 |
| Noninterest expense to average assets | 2.5453% | 3,456 |
| Loan and lease loss provision to assets | 0.1118% | 1,811 |
| Net operating income to assets | 0.8520% | 3,730 |
| Return on assets (ROA) | 0.8520% | 3,738 |
| Pretax return on assets | 1.2105% | 2,951 |
| Return on Equity (ROE) | 7.3687% | 3,792 |
| Retained earnings to average equity (ytd only) | 5.4575% | 2,983 |
| Net charge-offs to loans | 0.0077% | 3,144 |
| Credit loss provision to net charge-offs | 1,800.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 212.9282% | 424 |
| Efficiency ratio | 65.8100% | 2,900 |
| Assets per employee ($millions) | 7.2875% | 842 |
| Cash dividends to net income (ytd only)* | 25.9373% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 3,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 79.8926% | 1,037 |
| Net loans and leases to deposits | 90.6998% | 1,804 |
| Net loans and leases to core deposits | 103.7718% | 1,466 |
| Total domestic deposits to total assets | 88.0847% | 1,206 |
| Equity capital to assets | 11.6102% | 2,172 |
| Core capital (leverage) ratio | 11.7624% | 1,949 |
| Tier 1 risk-based capital ratio | 16.7331% | 2,193 |
| Total risk-based capital ratio | 17.9837% | 2,139 |
| Memoranda: | ||
| Average total assets | $150,233,500 | 3,421 |
| Average earning assets | $147,685,250 | 3,302 |
| Average equity | $17,370,250 | 3,382 |
| Average total loans | $121,622,750 | 3,003 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 3,534 |
| Cost of funding earning assets | 0.4754% | 3,193 |
| Net interest margin | 3.6018% | 3,306 |
| Noninterest income to average assets | 0.3429% | 3,884 |
| Noninterest expense to average assets | 2.6470% | 3,175 |
| Loan and lease loss provision to assets | 0.1219% | 1,616 |
| Net operating income to assets | 0.7877% | 3,894 |
| Return on assets (ROA) | 0.7877% | 3,896 |
| Pretax return on assets | 1.1159% | 3,249 |
| Return on Equity (ROE) | 6.8223% | 3,954 |
| Retained earnings to average equity (ytd only) | 3.9332% | 3,639 |
| Net charge-offs to loans | 0.0099% | 2,782 |
| Credit loss provision to net charge-offs | 1,516.6667% | 271 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 510 |
| Efficiency ratio | 68.1379% | 2,620 |
| Assets per employee ($millions) | 7.2415% | 849 |
| Cash dividends to net income (ytd only)* | 42.3469% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 80.7032% | 908 |
| Net loans and leases to deposits | 91.4399% | 1,656 |
| Net loans and leases to core deposits | 103.4885% | 1,436 |
| Total domestic deposits to total assets | 88.2582% | 1,243 |
| Equity capital to assets | 11.4400% | 2,240 |
| Core capital (leverage) ratio | 11.6369% | 1,952 |
| Tier 1 risk-based capital ratio | 16.2921% | 2,336 |
| Total risk-based capital ratio | 17.5432% | 2,273 |
| Memoranda: | ||
| Average total assets | $149,298,670 | 3,447 |
| Average earning assets | $146,816,330 | 3,336 |
| Average equity | $17,237,670 | 3,415 |
| Average total loans | $120,942,000 | 3,028 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0339% | 3,491 |
| Cost of funding earning assets | 0.4345% | 3,335 |
| Net interest margin | 3.5995% | 3,183 |
| Noninterest income to average assets | 0.2299% | 4,630 |
| Noninterest expense to average assets | 2.8990% | 2,374 |
| Loan and lease loss provision to assets | 0.0974% | 1,892 |
| Net operating income to assets | 0.5436% | 4,596 |
| Return on assets (ROA) | 0.5436% | 4,599 |
| Pretax return on assets | 0.7734% | 4,213 |
| Return on Equity (ROE) | 4.6859% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.6859% | 3,315 |
| Net charge-offs to loans | 0.0235% | 2,035 |
| Credit loss provision to net charge-offs | 514.2857% | 570 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 983 |
| Efficiency ratio | 76.9010% | 1,474 |
| Assets per employee ($millions) | 7.2220% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 78.5535% | 1,152 |
| Net loans and leases to deposits | 89.0170% | 1,808 |
| Net loans and leases to core deposits | 100.2415% | 1,673 |
| Total domestic deposits to total assets | 88.2455% | 1,482 |
| Equity capital to assets | 11.3793% | 2,232 |
| Core capital (leverage) ratio | 11.6995% | 1,851 |
| Tier 1 risk-based capital ratio | 16.5702% | 2,251 |
| Total risk-based capital ratio | 17.8212% | 2,198 |
| Memoranda: | ||
| Average total assets | $147,912,000 | 3,492 |
| Average earning assets | $145,465,500 | 3,387 |
| Average equity | $17,158,000 | 3,455 |
| Average total loans | $119,367,000 | 3,074 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8990% | 3,727 |
| Cost of funding earning assets | 0.3520% | 3,699 |
| Net interest margin | 3.5471% | 3,353 |
| Noninterest income to average assets | 0.2655% | 4,541 |
| Noninterest expense to average assets | 2.5765% | 3,518 |
| Loan and lease loss provision to assets | 0.0810% | 2,585 |
| Net operating income to assets | 0.5490% | 4,228 |
| Return on assets (ROA) | 0.5490% | 4,258 |
| Pretax return on assets | 1.0778% | 3,274 |
| Return on Equity (ROE) | 4.5415% | 4,335 |
| Retained earnings to average equity (ytd only) | 3.2970% | 3,327 |
| Net charge-offs to loans | -0.0009% | 4,490 |
| Credit loss provision to net charge-offs | -11,200.0000% | 5,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9775% | 2,706 |
| Assets per employee ($millions) | 6.8649% | 1,034 |
| Cash dividends to net income (ytd only)* | 27.4045% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 3,437 |
| 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 | 81.1651% | 809 |
| Net loans and leases to deposits | 92.3877% | 1,472 |
| Net loans and leases to core deposits | 114.3938% | 781 |
| Total domestic deposits to total assets | 87.8526% | 1,580 |
| Equity capital to assets | 11.8324% | 1,959 |
| Core capital (leverage) ratio | 11.6487% | 1,831 |
| Tier 1 risk-based capital ratio | 16.6340% | 2,217 |
| Total risk-based capital ratio | 17.8860% | 2,166 |
| Memoranda: | ||
| Average total assets | $138,247,800 | 3,640 |
| Average earning assets | $135,239,000 | 3,520 |
| Average equity | $16,712,400 | 3,509 |
| Average total loans | $109,501,600 | 3,193 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8631% | 3,786 |
| Cost of funding earning assets | 0.3423% | 3,744 |
| Net interest margin | 3.5208% | 3,424 |
| Noninterest income to average assets | 0.2515% | 4,705 |
| Noninterest expense to average assets | 2.6467% | 3,258 |
| Loan and lease loss provision to assets | 0.0673% | 2,724 |
| Net operating income to assets | 0.5810% | 4,455 |
| Return on assets (ROA) | 0.5810% | 4,494 |
| Pretax return on assets | 0.9768% | 3,778 |
| Return on Equity (ROE) | 4.7796% | 4,610 |
| Retained earnings to average equity (ytd only) | 3.1115% | 4,061 |
| Net charge-offs to loans | -0.0012% | 4,285 |
| Credit loss provision to net charge-offs | -6,900.0000% | 5,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7116% | 2,245 |
| Assets per employee ($millions) | 6.5269% | 1,166 |
| Cash dividends to net income (ytd only)* | 34.8996% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,287 |
| Loan loss allowance to noncurrent loans | 1,022.3140% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 4,818 |
| Noncurrent loans to loans | 0.1109% | 4,612 |
| Net loans and leases to total assets | 75.1226% | 1,739 |
| Net loans and leases to deposits | 85.3503% | 2,388 |
| Net loans and leases to core deposits | 99.0979% | 1,788 |
| Total domestic deposits to total assets | 88.0167% | 1,355 |
| Equity capital to assets | 11.7660% | 2,137 |
| Core capital (leverage) ratio | 11.8599% | 1,778 |
| Tier 1 risk-based capital ratio | 17.0316% | 2,147 |
| Total risk-based capital ratio | 18.2838% | 2,101 |
| Memoranda: | ||
| Average total assets | $136,769,000 | 3,690 |
| Average earning assets | $133,604,000 | 3,581 |
| Average equity | $16,626,000 | 3,554 |
| Average total loans | $107,304,500 | 3,251 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8363% | 3,769 |
| Cost of funding earning assets | 0.3368% | 3,728 |
| Net interest margin | 3.4995% | 3,399 |
| Noninterest income to average assets | 0.2587% | 4,684 |
| Noninterest expense to average assets | 2.7183% | 3,022 |
| Loan and lease loss provision to assets | 0.0729% | 2,511 |
| Net operating income to assets | 0.5249% | 4,632 |
| Return on assets (ROA) | 0.5249% | 4,662 |
| Pretax return on assets | 0.8818% | 3,987 |
| Return on Equity (ROE) | 4.2694% | 4,742 |
| Retained earnings to average equity (ytd only) | 1.7537% | 4,546 |
| Net charge-offs to loans | -0.0019% | 4,177 |
| Credit loss provision to net charge-offs | -4,900.0000% | 5,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0081% | 2,016 |
| Assets per employee ($millions) | 6.2100% | 1,315 |
| Cash dividends to net income (ytd only)* | 58.9235% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 3,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 79.4737% | 1,028 |
| Net loans and leases to deposits | 90.7091% | 1,641 |
| Net loans and leases to core deposits | 104.1716% | 1,341 |
| Total domestic deposits to total assets | 87.6138% | 1,652 |
| Equity capital to assets | 12.1878% | 1,796 |
| Core capital (leverage) ratio | 11.9366% | 1,668 |
| Tier 1 risk-based capital ratio | 16.3936% | 2,362 |
| Total risk-based capital ratio | 17.6461% | 2,307 |
| Memoranda: | ||
| Average total assets | $134,494,670 | 3,748 |
| Average earning assets | $131,219,670 | 3,629 |
| Average equity | $16,536,330 | 3,576 |
| Average total loans | $106,703,670 | 3,270 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 3,880 |
| Cost of funding earning assets | 0.3296% | 3,747 |
| Net interest margin | 3.4372% | 3,495 |
| Noninterest income to average assets | 0.2578% | 4,689 |
| Noninterest expense to average assets | 2.7729% | 2,880 |
| Loan and lease loss provision to assets | 0.0600% | 2,604 |
| Net operating income to assets | 0.4587% | 4,744 |
| Return on assets (ROA) | 0.4587% | 4,766 |
| Pretax return on assets | 0.7704% | 4,214 |
| Return on Equity (ROE) | 3.7138% | 4,878 |
| Retained earnings to average equity (ytd only) | -1.3108% | 5,103 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9551% | 1,765 |
| Assets per employee ($millions) | 6.8179% | 1,035 |
| Cash dividends to net income (ytd only)* | 135.2941% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 3,610 |
| 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 | 77.0705% | 1,257 |
| Net loans and leases to deposits | 87.8100% | 1,828 |
| Net loans and leases to core deposits | 99.9049% | 1,508 |
| Total domestic deposits to total assets | 87.7696% | 1,846 |
| Equity capital to assets | 12.0654% | 1,786 |
| Core capital (leverage) ratio | 11.9839% | 1,643 |
| Tier 1 risk-based capital ratio | 16.6315% | 2,314 |
| Total risk-based capital ratio | 17.8847% | 2,271 |
| Memoranda: | ||
| Average total assets | $133,432,000 | 3,789 |
| Average earning assets | $129,871,500 | 3,678 |
| Average equity | $16,479,000 | 3,606 |
| Average total loans | $105,158,500 | 3,315 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 3,951 |
| Cost of funding earning assets | 0.2732% | 4,325 |
| Net interest margin | 3.5146% | 3,376 |
| Noninterest income to average assets | 0.3551% | 4,196 |
| Noninterest expense to average assets | 2.7063% | 3,325 |
| Loan and lease loss provision to assets | 0.0339% | 3,684 |
| Net operating income to assets | 0.5593% | 4,392 |
| Return on assets (ROA) | 0.5593% | 4,497 |
| Pretax return on assets | 1.0097% | 3,440 |
| Return on Equity (ROE) | 4.2911% | 4,737 |
| Retained earnings to average equity (ytd only) | 3.0031% | 3,765 |
| Net charge-offs to loans | -0.0010% | 4,649 |
| Credit loss provision to net charge-offs | -4,200.0000% | 5,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1696% | 2,566 |
| Assets per employee ($millions) | 6.5254% | 1,138 |
| Cash dividends to net income (ytd only)* | 30.0144% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 3,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 78.8241% | 1,070 |
| Net loans and leases to deposits | 90.4830% | 1,632 |
| Net loans and leases to core deposits | 99.6011% | 1,651 |
| Total domestic deposits to total assets | 87.1149% | 2,080 |
| Equity capital to assets | 12.6476% | 1,429 |
| Core capital (leverage) ratio | 12.4377% | 1,363 |
| Tier 1 risk-based capital ratio | 16.6953% | 2,269 |
| Total risk-based capital ratio | 17.9509% | 2,208 |
| Memoranda: | ||
| Average total assets | $123,895,600 | 3,929 |
| Average earning assets | $119,672,000 | 3,832 |
| Average equity | $16,149,800 | 3,673 |
| Average total loans | $98,176,800 | 3,422 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7281% | 4,155 |
| Cost of funding earning assets | 0.2694% | 4,395 |
| Net interest margin | 3.4587% | 3,633 |
| Noninterest income to average assets | 0.2574% | 4,920 |
| Noninterest expense to average assets | 2.7878% | 3,049 |
| Loan and lease loss provision to assets | 0.0218% | 3,807 |
| Net operating income to assets | 0.4690% | 4,806 |
| Return on assets (ROA) | 0.4690% | 4,882 |
| Pretax return on assets | 0.7809% | 4,365 |
| Return on Equity (ROE) | 3.5697% | 5,062 |
| Retained earnings to average equity (ytd only) | 1.8429% | 4,764 |
| Net charge-offs to loans | -0.0014% | 4,454 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6428% | 1,741 |
| Assets per employee ($millions) | 6.5082% | 1,100 |
| Cash dividends to net income (ytd only)* | 48.3726% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 3,897 |
| Loan loss allowance to noncurrent loans | 1,273.3333% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 5,144 |
| Noncurrent loans to loans | 0.0854% | 5,007 |
| Net loans and leases to total assets | 84.2659% | 390 |
| Net loans and leases to deposits | 97.2459% | 930 |
| Net loans and leases to core deposits | 104.8733% | 1,281 |
| Total domestic deposits to total assets | 86.6524% | 2,055 |
| Equity capital to assets | 13.1357% | 1,421 |
| Core capital (leverage) ratio | 12.4530% | 1,415 |
| Tier 1 risk-based capital ratio | 16.5365% | 2,402 |
| Total risk-based capital ratio | 17.7937% | 2,351 |
| Memoranda: | ||
| Average total assets | $122,242,750 | 3,979 |
| Average earning assets | $117,804,500 | 3,890 |
| Average equity | $16,060,750 | 3,715 |
| Average total loans | $96,711,250 | 3,456 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7109% | 4,263 |
| Cost of funding earning assets | 0.2699% | 4,436 |
| Net interest margin | 3.4410% | 3,723 |
| Noninterest income to average assets | 0.2677% | 4,870 |
| Noninterest expense to average assets | 2.8315% | 2,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4467% | 4,881 |
| Return on assets (ROA) | 0.4467% | 4,969 |
| Pretax return on assets | 0.7440% | 4,480 |
| Return on Equity (ROE) | 3.4000% | 5,126 |
| Retained earnings to average equity (ytd only) | 0.8000% | 5,059 |
| Net charge-offs to loans | -0.0021% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1915% | 1,610 |
| Assets per employee ($millions) | 6.2696% | 1,212 |
| Cash dividends to net income (ytd only)* | 76.4706% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 3,447 |
| Loan loss allowance to noncurrent loans | 1,251.1111% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 5,257 |
| Noncurrent loans to loans | 0.0945% | 5,073 |
| Net loans and leases to total assets | 75.0223% | 1,647 |
| Net loans and leases to deposits | 86.3283% | 2,213 |
| Net loans and leases to core deposits | 92.5195% | 2,306 |
| Total domestic deposits to total assets | 86.9035% | 1,957 |
| Equity capital to assets | 12.8270% | 1,600 |
| Core capital (leverage) ratio | 12.3100% | 1,451 |
| Tier 1 risk-based capital ratio | 17.6382% | 2,036 |
| Total risk-based capital ratio | 18.8971% | 1,994 |
| Memoranda: | ||
| Average total assets | $121,772,000 | 4,015 |
| Average earning assets | $117,060,670 | 3,931 |
| Average equity | $16,000,000 | 3,732 |
| Average total loans | $93,833,330 | 3,523 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7281% | 4,221 |
| Cost of funding earning assets | 0.2653% | 4,546 |
| Net interest margin | 3.4628% | 3,610 |
| Noninterest income to average assets | 0.2501% | 4,953 |
| Noninterest expense to average assets | 3.0576% | 2,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3001% | 5,306 |
| Return on assets (ROA) | 0.3001% | 5,385 |
| Pretax return on assets | 0.5002% | 5,089 |
| Return on Equity (ROE) | 2.2559% | 5,447 |
| Retained earnings to average equity (ytd only) | -2.9578% | 5,469 |
| Net charge-offs to loans | -0.0043% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9419% | 981 |
| Assets per employee ($millions) | 6.6348% | 1,040 |
| Cash dividends to net income (ytd only)* | 231.1111% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 3,340 |
| Loan loss allowance to noncurrent loans | 1,251.1111% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 5,279 |
| Noncurrent loans to loans | 0.0979% | 5,079 |
| Net loans and leases to total assets | 76.0471% | 1,386 |
| Net loans and leases to deposits | 87.9017% | 1,840 |
| Net loans and leases to core deposits | 95.3191% | 1,860 |
| Total domestic deposits to total assets | 86.5138% | 2,438 |
| Equity capital to assets | 13.3137% | 1,261 |
| Core capital (leverage) ratio | 12.3566% | 1,403 |
| Tier 1 risk-based capital ratio | 17.7309% | 2,061 |
| Total risk-based capital ratio | 18.9914% | 2,019 |
| Memoranda: | ||
| Average total assets | $119,962,000 | 4,071 |
| Average earning assets | $114,590,500 | 3,998 |
| Average equity | $15,958,000 | 3,741 |
| Average total loans | $93,151,000 | 3,553 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6099% | 4,644 |
| Cost of funding earning assets | 0.2721% | 4,559 |
| Net interest margin | 3.3378% | 4,157 |
| Noninterest income to average assets | 0.0234% | 6,061 |
| Noninterest expense to average assets | 2.7347% | 3,468 |
| Loan and lease loss provision to assets | -0.0866% | 5,828 |
| Net operating income to assets | 0.9670% | 2,539 |
| Return on assets (ROA) | 0.9670% | 2,617 |
| Pretax return on assets | 0.5930% | 4,860 |
| Return on Equity (ROE) | 7.2182% | 3,398 |
| Retained earnings to average equity (ytd only) | 5.8805% | 1,855 |
| Net charge-offs to loans | 0.0246% | 3,753 |
| Credit loss provision to net charge-offs | -476.1905% | 5,433 |
| Earnings coverage of net charge-offs (x) | 27.8571% | 1,532 |
| Efficiency ratio | 84.3750% | 1,145 |
| Assets per employee ($millions) | 6.6943% | 1,009 |
| Cash dividends to net income (ytd only)* | 18.5318% | 3,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 3,531 |
| Loan loss allowance to noncurrent loans | 1,236.2637% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.4042% | 3,980 |
| Noncurrent loans to loans | 0.0964% | 5,110 |
| Net loans and leases to total assets | 77.3714% | 1,199 |
| Net loans and leases to deposits | 89.5058% | 1,682 |
| Net loans and leases to core deposits | 95.3965% | 1,902 |
| Total domestic deposits to total assets | 86.4429% | 2,410 |
| Equity capital to assets | 13.2915% | 1,220 |
| Core capital (leverage) ratio | 12.6446% | 1,288 |
| Tier 1 risk-based capital ratio | 17.2408% | 2,204 |
| Total risk-based capital ratio | 18.5042% | 2,157 |
| Memoranda: | ||
| Average total assets | $115,513,800 | 4,146 |
| Average earning assets | $111,361,200 | 4,048 |
| Average equity | $15,474,800 | 3,761 |
| Average total loans | $85,365,000 | 3,692 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6119% | 4,699 |
| Cost of funding earning assets | 0.2743% | 4,616 |
| Net interest margin | 3.3376% | 4,186 |
| Noninterest income to average assets | 0.2054% | 5,419 |
| Noninterest expense to average assets | 2.7957% | 3,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9825% | 2,561 |
| Return on assets (ROA) | 0.9825% | 2,642 |
| Pretax return on assets | 0.6324% | 4,891 |
| Return on Equity (ROE) | 7.3186% | 3,454 |
| Retained earnings to average equity (ytd only) | 5.5194% | 2,564 |
| Net charge-offs to loans | 0.0337% | 3,241 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 25.8089% | 1,643 |
| Efficiency ratio | 81.5521% | 1,455 |
| Assets per employee ($millions) | 6.9933% | 873 |
| Cash dividends to net income (ytd only)* | 24.5840% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 2,450 |
| Loan loss allowance to noncurrent loans | 1,346.1538% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 3,496 |
| Noncurrent loans to loans | 0.1063% | 5,213 |
| Net loans and leases to total assets | 70.9571% | 2,242 |
| Net loans and leases to deposits | 81.9973% | 2,647 |
| Net loans and leases to core deposits | 86.8024% | 2,772 |
| Total domestic deposits to total assets | 86.5358% | 2,260 |
| Equity capital to assets | 13.2396% | 1,336 |
| Core capital (leverage) ratio | 12.8630% | 1,247 |
| Tier 1 risk-based capital ratio | 18.5268% | 1,888 |
| Total risk-based capital ratio | 19.7816% | 1,854 |
| Memoranda: | ||
| Average total assets | $114,267,750 | 4,208 |
| Average earning assets | $110,335,750 | 4,107 |
| Average equity | $15,339,500 | 3,816 |
| Average total loans | $83,117,250 | 3,777 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7005% | 4,407 |
| Cost of funding earning assets | 0.2776% | 4,637 |
| Net interest margin | 3.4229% | 3,818 |
| Noninterest income to average assets | 0.1969% | 5,505 |
| Noninterest expense to average assets | 2.8919% | 2,922 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9634% | 2,570 |
| Return on assets (ROA) | 0.9634% | 2,679 |
| Pretax return on assets | 0.6085% | 4,957 |
| Return on Equity (ROE) | 7.1419% | 3,532 |
| Retained earnings to average equity (ytd only) | 4.4193% | 3,199 |
| Net charge-offs to loans | 0.0510% | 2,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,916 |
| Efficiency ratio | 82.6153% | 1,422 |
| Assets per employee ($millions) | 5.6990% | 1,570 |
| Cash dividends to net income (ytd only)* | 38.1215% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 2,168 |
| Loan loss allowance to noncurrent loans | 894.1606% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 3,423 |
| Noncurrent loans to loans | 0.1710% | 5,085 |
| Net loans and leases to total assets | 69.2262% | 2,451 |
| Net loans and leases to deposits | 80.3012% | 2,745 |
| Net loans and leases to core deposits | 86.4938% | 2,716 |
| Total domestic deposits to total assets | 86.2081% | 2,574 |
| Equity capital to assets | 13.5252% | 1,161 |
| Core capital (leverage) ratio | 12.6835% | 1,300 |
| Tier 1 risk-based capital ratio | 19.2170% | 1,747 |
| Total risk-based capital ratio | 20.4729% | 1,710 |
| Memoranda: | ||
| Average total assets | $112,728,330 | 4,282 |
| Average earning assets | $108,797,330 | 4,174 |
| Average equity | $15,206,000 | 3,853 |
| Average total loans | $82,295,330 | 3,816 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6826% | 4,426 |
| Cost of funding earning assets | 0.2657% | 4,845 |
| Net interest margin | 3.4170% | 3,772 |
| Noninterest income to average assets | 0.1927% | 5,555 |
| Noninterest expense to average assets | 2.9437% | 2,764 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9099% | 2,697 |
| Return on assets (ROA) | 0.9099% | 2,822 |
| Pretax return on assets | 0.5531% | 5,036 |
| Return on Equity (ROE) | 6.7545% | 3,629 |
| Retained earnings to average equity (ytd only) | 1.2714% | 4,976 |
| Net charge-offs to loans | 0.0144% | 2,882 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 51.6667% | 818 |
| Efficiency ratio | 84.1837% | 1,363 |
| Assets per employee ($millions) | 5.3802% | 1,916 |
| Cash dividends to net income (ytd only)* | 81.1765% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 2,609 |
| Loan loss allowance to noncurrent loans | 907.2993% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 3,490 |
| Noncurrent loans to loans | 0.1611% | 5,195 |
| Net loans and leases to total assets | 74.1691% | 1,477 |
| Net loans and leases to deposits | 85.9099% | 1,842 |
| Net loans and leases to core deposits | 91.9939% | 1,945 |
| Total domestic deposits to total assets | 86.3336% | 2,745 |
| Equity capital to assets | 13.3876% | 1,225 |
| Core capital (leverage) ratio | 12.8803% | 1,201 |
| Tier 1 risk-based capital ratio | 17.7107% | 2,234 |
| Total risk-based capital ratio | 18.9658% | 2,201 |
| Memoranda: | ||
| Average total assets | $112,102,500 | 4,329 |
| Average earning assets | $108,400,500 | 4,207 |
| Average equity | $15,101,000 | 3,896 |
| Average total loans | $83,378,500 | 3,810 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6071% | 5,062 |
| Cost of funding earning assets | 0.3048% | 4,743 |
| Net interest margin | 3.3023% | 4,549 |
| Noninterest income to average assets | 0.2754% | 5,146 |
| Noninterest expense to average assets | 2.8675% | 3,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9734% | 2,510 |
| Return on assets (ROA) | 0.9734% | 2,590 |
| Pretax return on assets | 0.6080% | 4,918 |
| Return on Equity (ROE) | 7.3752% | 3,428 |
| Retained earnings to average equity (ytd only) | 5.9498% | 1,956 |
| Net charge-offs to loans | -0.0283% | 5,776 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5052% | 1,602 |
| Assets per employee ($millions) | 5.2962% | 1,968 |
| Cash dividends to net income (ytd only)* | 19.3277% | 3,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 2,364 |
| Loan loss allowance to noncurrent loans | 890.0000% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.6788% | 3,539 |
| Noncurrent loans to loans | 0.1713% | 5,211 |
| Net loans and leases to total assets | 72.3503% | 1,851 |
| Net loans and leases to deposits | 83.9879% | 2,220 |
| Net loans and leases to core deposits | 89.0379% | 2,375 |
| Total domestic deposits to total assets | 86.1437% | 2,757 |
| Equity capital to assets | 13.5551% | 1,139 |
| Core capital (leverage) ratio | 12.6914% | 1,256 |
| Tier 1 risk-based capital ratio | 18.3683% | 2,028 |
| Total risk-based capital ratio | 19.6236% | 1,993 |
| Memoranda: | ||
| Average total assets | $110,025,800 | 4,381 |
| Average earning assets | $106,623,400 | 4,253 |
| Average equity | $14,521,600 | 3,931 |
| Average total loans | $77,763,000 | 3,937 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5352% | 5,306 |
| Cost of funding earning assets | 0.3084% | 4,800 |
| Net interest margin | 3.2268% | 4,870 |
| Noninterest income to average assets | 0.2758% | 5,230 |
| Noninterest expense to average assets | 2.8227% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9454% | 2,706 |
| Return on assets (ROA) | 0.9454% | 2,794 |
| Pretax return on assets | 0.5808% | 5,084 |
| Return on Equity (ROE) | 7.2121% | 3,602 |
| Retained earnings to average equity (ytd only) | 5.2931% | 2,887 |
| Net charge-offs to loans | -0.0035% | 5,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9347% | 1,503 |
| Assets per employee ($millions) | 5.5532% | 1,679 |
| Cash dividends to net income (ytd only)* | 26.6063% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 2,522 |
| Loan loss allowance to noncurrent loans | 2,663.0435% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 4,156 |
| Noncurrent loans to loans | 0.0580% | 5,783 |
| Net loans and leases to total assets | 66.9588% | 2,690 |
| Net loans and leases to deposits | 76.8661% | 3,084 |
| Net loans and leases to core deposits | 82.1802% | 3,090 |
| Total domestic deposits to total assets | 87.1109% | 2,254 |
| Equity capital to assets | 12.6533% | 1,607 |
| Core capital (leverage) ratio | 12.4330% | 1,441 |
| Tier 1 risk-based capital ratio | 18.6047% | 2,016 |
| Total risk-based capital ratio | 19.8594% | 1,981 |
| Memoranda: | ||
| Average total assets | $109,727,250 | 4,426 |
| Average earning assets | $106,355,500 | 4,295 |
| Average equity | $14,383,000 | 3,987 |
| Average total loans | $76,775,250 | 3,999 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 5,234 |
| Cost of funding earning assets | 0.3151% | 4,824 |
| Net interest margin | 3.2549% | 4,761 |
| Noninterest income to average assets | 0.2867% | 5,132 |
| Noninterest expense to average assets | 2.9117% | 3,124 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9010% | 2,794 |
| Return on assets (ROA) | 0.9010% | 2,893 |
| Pretax return on assets | 0.5287% | 5,196 |
| Return on Equity (ROE) | 6.7889% | 3,723 |
| Retained earnings to average equity (ytd only) | 3.8854% | 3,710 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6320% | 1,430 |
| Assets per employee ($millions) | 5.0887% | 2,102 |
| Cash dividends to net income (ytd only)* | 42.7686% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 2,512 |
| Loan loss allowance to noncurrent loans | 2,266.6667% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 4,188 |
| Noncurrent loans to loans | 0.0700% | 5,814 |
| Net loans and leases to total assets | 67.7656% | 2,449 |
| Net loans and leases to deposits | 78.0039% | 2,802 |
| Net loans and leases to core deposits | 82.8329% | 2,879 |
| Total domestic deposits to total assets | 86.8747% | 2,531 |
| Equity capital to assets | 12.8939% | 1,425 |
| Core capital (leverage) ratio | 12.7949% | 1,240 |
| Tier 1 risk-based capital ratio | 18.6727% | 2,011 |
| Total risk-based capital ratio | 19.9293% | 1,970 |
| Memoranda: | ||
| Average total assets | $107,430,330 | 4,504 |
| Average earning assets | $104,090,670 | 4,364 |
| Average equity | $14,258,670 | 3,993 |
| Average total loans | $75,930,000 | 4,047 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6400% | 5,035 |
| Cost of funding earning assets | 0.3102% | 4,965 |
| Net interest margin | 3.3298% | 4,425 |
| Noninterest income to average assets | 0.3423% | 4,639 |
| Noninterest expense to average assets | 3.0237% | 2,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9242% | 2,531 |
| Return on assets (ROA) | 0.9242% | 2,604 |
| Pretax return on assets | 0.5439% | 5,030 |
| Return on Equity (ROE) | 6.8593% | 3,552 |
| Retained earnings to average equity (ytd only) | 1.0162% | 5,191 |
| Net charge-offs to loans | 0.0637% | 2,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.9167% | 1,747 |
| Efficiency ratio | 84.7548% | 1,585 |
| Assets per employee ($millions) | 5.0313% | 2,218 |
| Cash dividends to net income (ytd only)* | 85.1852% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6073% | 2,665 |
| Loan loss allowance to noncurrent loans | 24,240.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 4,389 |
| Noncurrent loans to loans | 0.0066% | 6,169 |
| Net loans and leases to total assets | 70.2235% | 1,848 |
| Net loans and leases to deposits | 81.4106% | 2,114 |
| Net loans and leases to core deposits | 87.1694% | 2,180 |
| Total domestic deposits to total assets | 86.2584% | 3,229 |
| Equity capital to assets | 13.4303% | 1,128 |
| Core capital (leverage) ratio | 13.0975% | 1,122 |
| Tier 1 risk-based capital ratio | 18.7583% | 2,043 |
| Total risk-based capital ratio | 20.0148% | 1,998 |
| Memoranda: | ||
| Average total assets | $105,169,500 | 4,602 |
| Average earning assets | $101,869,000 | 4,456 |
| Average equity | $14,170,500 | 4,016 |
| Average total loans | $75,350,500 | 4,088 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8441% | 4,645 |
| Cost of funding earning assets | 0.3426% | 5,214 |
| Net interest margin | 3.5015% | 3,907 |
| Noninterest income to average assets | 0.3123% | 5,106 |
| Noninterest expense to average assets | 2.9741% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0264% | 2,216 |
| Return on assets (ROA) | 1.0264% | 2,280 |
| Pretax return on assets | 0.7308% | 4,413 |
| Return on Equity (ROE) | 7.6698% | 3,214 |
| Retained earnings to average equity (ytd only) | 7.6698% | 1,164 |
| Net charge-offs to loans | 0.1500% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.0189% | 2,929 |
| Efficiency ratio | 80.2757% | 2,108 |
| Assets per employee ($millions) | 5.5096% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 2,662 |
| Loan loss allowance to noncurrent loans | 4,533.3333% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.6162% | 4,390 |
| Noncurrent loans to loans | 0.0359% | 6,142 |
| Net loans and leases to total assets | 70.7562% | 1,893 |
| Net loans and leases to deposits | 82.2094% | 2,161 |
| Net loans and leases to core deposits | 87.7917% | 2,267 |
| Total domestic deposits to total assets | 86.0683% | 3,229 |
| Equity capital to assets | 13.5181% | 1,060 |
| Core capital (leverage) ratio | 13.3628% | 1,003 |
| Tier 1 risk-based capital ratio | 18.9698% | 1,930 |
| Total risk-based capital ratio | 20.2253% | 1,887 |
| Memoranda: | ||
| Average total assets | $101,811,200 | 4,699 |
| Average earning assets | $98,644,600 | 4,546 |
| Average equity | $13,624,800 | 4,138 |
| Average total loans | $70,679,600 | 4,243 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 4,646 |
| Cost of funding earning assets | 0.3484% | 5,307 |
| Net interest margin | 3.5101% | 3,834 |
| Noninterest income to average assets | 0.3086% | 5,232 |
| Noninterest expense to average assets | 2.9226% | 3,229 |
| Loan and lease loss provision to assets | -0.0079% | 6,463 |
| Net operating income to assets | 1.0920% | 2,035 |
| Return on assets (ROA) | 1.0920% | 2,113 |
| Pretax return on assets | 0.7953% | 4,310 |
| Return on Equity (ROE) | 8.1816% | 3,032 |
| Retained earnings to average equity (ytd only) | 8.1816% | 1,347 |
| Net charge-offs to loans | 0.1534% | 3,013 |
| Credit loss provision to net charge-offs | -7.5000% | 5,596 |
| Earnings coverage of net charge-offs (x) | 7.4628% | 2,791 |
| Efficiency ratio | 78.7771% | 2,298 |
| Assets per employee ($millions) | 4.8233% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6982% | 2,625 |
| Loan loss allowance to noncurrent loans | 2,108.4746% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.6380% | 4,526 |
| Noncurrent loans to loans | 0.0805% | 6,093 |
| Net loans and leases to total assets | 67.8616% | 2,314 |
| Net loans and leases to deposits | 78.4312% | 2,598 |
| Net loans and leases to core deposits | 81.9954% | 2,874 |
| Total domestic deposits to total assets | 86.5238% | 2,953 |
| Equity capital to assets | 13.1294% | 1,274 |
| Core capital (leverage) ratio | 13.2853% | 1,103 |
| Tier 1 risk-based capital ratio | 19.4660% | 1,870 |
| Total risk-based capital ratio | 20.7235% | 1,840 |
| Memoranda: | ||
| Average total assets | $101,093,500 | 4,760 |
| Average earning assets | $97,961,500 | 4,611 |
| Average equity | $13,493,250 | 4,215 |
| Average total loans | $69,526,250 | 4,315 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9491% | 4,295 |
| Cost of funding earning assets | 0.3611% | 5,306 |
| Net interest margin | 3.5880% | 3,412 |
| Noninterest income to average assets | 0.3158% | 5,173 |
| Noninterest expense to average assets | 3.0094% | 2,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0863% | 1,969 |
| Return on assets (ROA) | 1.0863% | 2,084 |
| Pretax return on assets | 0.7845% | 4,371 |
| Return on Equity (ROE) | 8.0917% | 3,045 |
| Retained earnings to average equity (ytd only) | 8.0917% | 1,446 |
| Net charge-offs to loans | 0.2197% | 2,428 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,947 |
| Efficiency ratio | 79.3213% | 2,256 |
| Assets per employee ($millions) | 5.1771% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8868% | 2,149 |
| Loan loss allowance to noncurrent loans | 550.4386% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.8306% | 4,161 |
| Noncurrent loans to loans | 0.3428% | 5,441 |
| Net loans and leases to total assets | 63.0272% | 3,095 |
| Net loans and leases to deposits | 72.7996% | 3,336 |
| Net loans and leases to core deposits | 75.9241% | 3,553 |
| Total domestic deposits to total assets | 86.5763% | 3,076 |
| Equity capital to assets | 13.1513% | 1,281 |
| Core capital (leverage) ratio | 13.5021% | 977 |
| Tier 1 risk-based capital ratio | 20.7137% | 1,566 |
| Total risk-based capital ratio | 21.9733% | 1,531 |
| Memoranda: | ||
| Average total assets | $99,420,330 | 4,835 |
| Average earning assets | $96,376,670 | 4,690 |
| Average equity | $13,347,000 | 4,270 |
| Average total loans | $68,283,670 | 4,376 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9973% | 4,125 |
| Cost of funding earning assets | 0.3688% | 5,381 |
| Net interest margin | 3.6285% | 3,146 |
| Noninterest income to average assets | 0.3533% | 4,851 |
| Noninterest expense to average assets | 3.0320% | 2,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1463% | 1,692 |
| Return on assets (ROA) | 1.1463% | 1,802 |
| Pretax return on assets | 0.8381% | 4,008 |
| Return on Equity (ROE) | 8.4469% | 2,750 |
| Retained earnings to average equity (ytd only) | 8.4469% | 1,586 |
| Net charge-offs to loans | -0.0058% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3439% | 2,558 |
| Assets per employee ($millions) | 5.2072% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9030% | 2,291 |
| Loan loss allowance to noncurrent loans | 443.6667% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.9774% | 3,972 |
| Noncurrent loans to loans | 0.4289% | 5,347 |
| Net loans and leases to total assets | 69.3472% | 1,772 |
| Net loans and leases to deposits | 80.5121% | 2,018 |
| Net loans and leases to core deposits | 84.5065% | 2,261 |
| Total domestic deposits to total assets | 86.1326% | 3,458 |
| Equity capital to assets | 13.4965% | 1,212 |
| Core capital (leverage) ratio | 13.8329% | 841 |
| Tier 1 risk-based capital ratio | 19.5111% | 1,902 |
| Total risk-based capital ratio | 20.7706% | 1,873 |
| Memoranda: | ||
| Average total assets | $97,360,000 | 4,918 |
| Average earning assets | $94,363,500 | 4,787 |
| Average equity | $13,212,000 | 4,348 |
| Average total loans | $69,168,500 | 4,369 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 4,608 |
| Cost of funding earning assets | 0.4925% | 5,275 |
| Net interest margin | 3.7028% | 3,627 |
| Noninterest income to average assets | 0.3222% | 5,155 |
| Noninterest expense to average assets | 3.2653% | 2,440 |
| Loan and lease loss provision to assets | 0.0859% | 4,627 |
| Net operating income to assets | 0.8947% | 2,850 |
| Return on assets (ROA) | 0.8947% | 3,078 |
| Pretax return on assets | 0.5725% | 5,075 |
| Return on Equity (ROE) | 6.5795% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.5795% | 1,776 |
| Net charge-offs to loans | 0.2796% | 3,263 |
| Credit loss provision to net charge-offs | 44.1989% | 4,833 |
| Earnings coverage of net charge-offs (x) | 3.3867% | 3,747 |
| Efficiency ratio | 83.2193% | 1,718 |
| Assets per employee ($millions) | 5.3213% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9446% | 2,162 |
| Loan loss allowance to noncurrent loans | 107.3446% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.9899% | 2,464 |
| Noncurrent loans to loans | 1.8115% | 2,900 |
| Net loans and leases to total assets | 70.0187% | 1,836 |
| Net loans and leases to deposits | 81.4907% | 2,074 |
| Net loans and leases to core deposits | 85.2671% | 2,399 |
| Total domestic deposits to total assets | 85.9223% | 3,390 |
| Equity capital to assets | 13.6465% | 1,173 |
| Core capital (leverage) ratio | 13.7572% | 871 |
| Tier 1 risk-based capital ratio | 19.4706% | 1,822 |
| Total risk-based capital ratio | 20.7308% | 1,787 |
| Memoranda: | ||
| Average total assets | $93,100,000 | 5,000 |
| Average earning assets | $90,552,800 | 4,853 |
| Average equity | $12,660,600 | 4,427 |
| Average total loans | $64,744,000 | 4,552 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 5,208 |
| Cost of funding earning assets | 0.5230% | 5,289 |
| Net interest margin | 3.5718% | 4,347 |
| Noninterest income to average assets | 0.3289% | 5,165 |
| Noninterest expense to average assets | 3.1995% | 2,569 |
| Loan and lease loss provision to assets | 0.0966% | 4,364 |
| Net operating income to assets | 0.7992% | 3,459 |
| Return on assets (ROA) | 0.7992% | 3,699 |
| Pretax return on assets | 0.5107% | 5,438 |
| Return on Equity (ROE) | 5.8819% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.8819% | 2,775 |
| Net charge-offs to loans | 0.3446% | 2,727 |
| Credit loss provision to net charge-offs | 40.6061% | 4,602 |
| Earnings coverage of net charge-offs (x) | 2.5516% | 4,022 |
| Efficiency ratio | 84.0470% | 1,581 |
| Assets per employee ($millions) | 5.1510% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9493% | 2,325 |
| Loan loss allowance to noncurrent loans | 135.0557% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 1.7839% | 2,937 |
| Noncurrent loans to loans | 1.4434% | 3,641 |
| Net loans and leases to total assets | 72.3150% | 1,498 |
| Net loans and leases to deposits | 84.3957% | 1,821 |
| Net loans and leases to core deposits | 89.9021% | 1,993 |
| Total domestic deposits to total assets | 85.6856% | 3,423 |
| Equity capital to assets | 13.7924% | 1,236 |
| Core capital (leverage) ratio | 13.4876% | 1,017 |
| Tier 1 risk-based capital ratio | 18.1179% | 2,296 |
| Total risk-based capital ratio | 19.3760% | 2,267 |
| Memoranda: | ||
| Average total assets | $92,429,250 | 5,066 |
| Average earning assets | $89,999,000 | 4,914 |
| Average equity | $12,558,000 | 4,490 |
| Average total loans | $63,831,000 | 4,627 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 5,505 |
| Cost of funding earning assets | 0.5541% | 5,277 |
| Net interest margin | 3.4893% | 4,722 |
| Noninterest income to average assets | 0.3314% | 5,176 |
| Noninterest expense to average assets | 3.1776% | 2,662 |
| Loan and lease loss provision to assets | 0.0975% | 4,320 |
| Net operating income to assets | 0.8859% | 2,975 |
| Return on assets (ROA) | 0.8859% | 3,235 |
| Pretax return on assets | 0.4527% | 5,569 |
| Return on Equity (ROE) | 6.5538% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.5538% | 2,358 |
| Net charge-offs to loans | 0.5520% | 1,935 |
| Credit loss provision to net charge-offs | 26.1628% | 4,504 |
| Earnings coverage of net charge-offs (x) | 1.4767% | 4,259 |
| Efficiency ratio | 85.2411% | 1,506 |
| Assets per employee ($millions) | 5.2311% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0999% | 2,002 |
| Loan loss allowance to noncurrent loans | 135.2697% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 1.7322% | 3,129 |
| Noncurrent loans to loans | 1.5524% | 3,579 |
| Net loans and leases to total assets | 64.5646% | 2,918 |
| Net loans and leases to deposits | 74.9756% | 3,131 |
| Net loans and leases to core deposits | 79.5109% | 3,291 |
| Total domestic deposits to total assets | 86.1141% | 3,298 |
| Equity capital to assets | 13.4250% | 1,331 |
| Core capital (leverage) ratio | 13.7417% | 886 |
| Tier 1 risk-based capital ratio | 19.4882% | 1,856 |
| Total risk-based capital ratio | 20.7477% | 1,817 |
| Memoranda: | ||
| Average total assets | $92,333,000 | 5,105 |
| Average earning assets | $89,875,330 | 4,940 |
| Average equity | $12,481,330 | 4,505 |
| Average total loans | $62,314,000 | 4,702 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 5,649 |
| Cost of funding earning assets | 0.5714% | 5,349 |
| Net interest margin | 3.4641% | 4,852 |
| Noninterest income to average assets | 0.3500% | 5,059 |
| Noninterest expense to average assets | 2.9840% | 3,315 |
| Loan and lease loss provision to assets | 0.0919% | 4,203 |
| Net operating income to assets | 1.5183% | 986 |
| Return on assets (ROA) | 1.5183% | 1,111 |
| Pretax return on assets | 0.6432% | 4,960 |
| Return on Equity (ROE) | 11.1922% | 1,946 |
| Retained earnings to average equity (ytd only) | 11.1922% | 986 |
| Net charge-offs to loans | 0.7882% | 1,306 |
| Credit loss provision to net charge-offs | 17.0732% | 3,820 |
| Earnings coverage of net charge-offs (x) | 1.3659% | 3,646 |
| Efficiency ratio | 80.2353% | 2,171 |
| Assets per employee ($millions) | 5.4144% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1158% | 2,067 |
| Loan loss allowance to noncurrent loans | 87.8387% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 2.3684% | 2,509 |
| Noncurrent loans to loans | 2.4088% | 2,698 |
| Net loans and leases to total assets | 66.7974% | 2,331 |
| Net loans and leases to deposits | 77.7862% | 2,548 |
| Net loans and leases to core deposits | 82.2262% | 2,800 |
| Total domestic deposits to total assets | 85.8731% | 3,607 |
| Equity capital to assets | 13.6619% | 1,167 |
| Core capital (leverage) ratio | 14.1564% | 762 |
| Tier 1 risk-based capital ratio | 19.2175% | 1,928 |
| Total risk-based capital ratio | 20.4783% | 1,893 |
| Memoranda: | ||
| Average total assets | $91,419,500 | 5,164 |
| Average earning assets | $88,911,500 | 4,996 |
| Average equity | $12,401,500 | 4,527 |
| Average total loans | $62,422,000 | 4,718 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2765% | 5,834 |
| Cost of funding earning assets | 0.7427% | 5,258 |
| Net interest margin | 3.5337% | 5,008 |
| Noninterest income to average assets | 0.3179% | 5,264 |
| Noninterest expense to average assets | 3.1912% | 2,898 |
| Loan and lease loss provision to assets | 0.0910% | 5,452 |
| Net operating income to assets | 0.5031% | 4,415 |
| Return on assets (ROA) | 0.5031% | 4,622 |
| Pretax return on assets | 0.5042% | 4,978 |
| Return on Equity (ROE) | 4.1444% | 4,782 |
| Retained earnings to average equity (ytd only) | 4.1444% | 3,231 |
| Net charge-offs to loans | 0.6679% | 2,486 |
| Credit loss provision to net charge-offs | 19.6759% | 5,922 |
| Earnings coverage of net charge-offs (x) | 1.2870% | 4,812 |
| Efficiency ratio | 84.2805% | 1,731 |
| Assets per employee ($millions) | 5.0442% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3069% | 1,611 |
| Loan loss allowance to noncurrent loans | 86.2048% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 2.5629% | 2,367 |
| Noncurrent loans to loans | 2.6760% | 2,431 |
| Net loans and leases to total assets | 66.7449% | 2,631 |
| Net loans and leases to deposits | 77.7115% | 2,887 |
| Net loans and leases to core deposits | 82.5436% | 3,100 |
| Total domestic deposits to total assets | 85.8880% | 3,374 |
| Equity capital to assets | 13.4677% | 1,283 |
| Core capital (leverage) ratio | 13.3204% | 1,034 |
| Tier 1 risk-based capital ratio | 18.8849% | 1,936 |
| Total risk-based capital ratio | 20.1467% | 1,893 |
| Memoranda: | ||
| Average total assets | $93,413,200 | 5,083 |
| Average earning assets | $91,687,400 | 4,867 |
| Average equity | $11,340,600 | 4,701 |
| Average total loans | $64,681,600 | 4,692 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3255% | 5,868 |
| Cost of funding earning assets | 0.7821% | 5,265 |
| Net interest margin | 3.5434% | 5,011 |
| Noninterest income to average assets | 0.2750% | 5,650 |
| Noninterest expense to average assets | 3.2713% | 2,592 |
| Loan and lease loss provision to assets | 0.0156% | 6,238 |
| Net operating income to assets | 0.4734% | 4,664 |
| Return on assets (ROA) | 0.4734% | 4,859 |
| Pretax return on assets | 0.4748% | 5,244 |
| Return on Equity (ROE) | 4.0051% | 4,985 |
| Retained earnings to average equity (ytd only) | 4.0051% | 3,865 |
| Net charge-offs to loans | 0.6611% | 2,264 |
| Credit loss provision to net charge-offs | 3.3951% | 5,716 |
| Earnings coverage of net charge-offs (x) | 1.0679% | 4,832 |
| Efficiency ratio | 86.9631% | 1,440 |
| Assets per employee ($millions) | 6.7283% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3222% | 1,654 |
| Loan loss allowance to noncurrent loans | 65.4172% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 2.3791% | 2,700 |
| Noncurrent loans to loans | 3.5498% | 1,935 |
| Net loans and leases to total assets | 65.4646% | 3,015 |
| Net loans and leases to deposits | 75.7984% | 3,355 |
| Net loans and leases to core deposits | 83.7134% | 3,098 |
| Total domestic deposits to total assets | 86.3667% | 3,004 |
| Equity capital to assets | 12.8349% | 1,696 |
| Core capital (leverage) ratio | 12.4999% | 1,436 |
| Tier 1 risk-based capital ratio | 18.5811% | 2,069 |
| Total risk-based capital ratio | 19.8460% | 2,019 |
| Memoranda: | ||
| Average total assets | $94,067,750 | 5,099 |
| Average earning assets | $92,565,250 | 4,881 |
| Average equity | $11,118,750 | 4,777 |
| Average total loans | $65,344,000 | 4,704 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3109% | 5,987 |
| Cost of funding earning assets | 0.8168% | 5,264 |
| Net interest margin | 3.4941% | 5,189 |
| Noninterest income to average assets | 0.2553% | 5,822 |
| Noninterest expense to average assets | 3.2693% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4233% | 4,844 |
| Return on assets (ROA) | 0.4233% | 4,992 |
| Pretax return on assets | 0.4254% | 5,317 |
| Return on Equity (ROE) | 3.6869% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.6869% | 3,872 |
| Net charge-offs to loans | 0.9019% | 1,731 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.6711% | 4,788 |
| Efficiency ratio | 88.4859% | 1,364 |
| Assets per employee ($millions) | 5.1473% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3022% | 1,739 |
| Loan loss allowance to noncurrent loans | 171.0983% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.8845% | 5,104 |
| Noncurrent loans to loans | 1.3456% | 4,407 |
| Net loans and leases to total assets | 64.2191% | 3,414 |
| Net loans and leases to deposits | 72.8081% | 3,983 |
| Net loans and leases to core deposits | 82.4223% | 3,444 |
| Total domestic deposits to total assets | 88.2032% | 2,012 |
| Equity capital to assets | 11.1434% | 2,822 |
| Core capital (leverage) ratio | 11.4740% | 1,927 |
| Tier 1 risk-based capital ratio | 15.4863% | 3,248 |
| Total risk-based capital ratio | 16.7609% | 3,181 |
| Memoranda: | ||
| Average total assets | $94,025,000 | 5,139 |
| Average earning assets | $92,557,000 | 4,917 |
| Average equity | $10,795,000 | 4,849 |
| Average total loans | $66,081,670 | 4,728 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3717% | 5,784 |
| Cost of funding earning assets | 0.8550% | 5,241 |
| Net interest margin | 3.5168% | 4,932 |
| Noninterest income to average assets | 0.2648% | 5,776 |
| Noninterest expense to average assets | 3.3515% | 2,404 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3734% | 5,056 |
| Return on assets (ROA) | 0.3734% | 5,139 |
| Pretax return on assets | 0.3777% | 5,403 |
| Return on Equity (ROE) | 3.2019% | 5,283 |
| Retained earnings to average equity (ytd only) | 3.2019% | 4,254 |
| Net charge-offs to loans | -0.4718% | 7,400 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8719% | 1,342 |
| Assets per employee ($millions) | 6.1637% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7854% | 1,129 |
| Loan loss allowance to noncurrent loans | 153.1739% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 1.3120% | 4,342 |
| Noncurrent loans to loans | 1.8185% | 3,805 |
| Net loans and leases to total assets | 70.1379% | 2,102 |
| Net loans and leases to deposits | 79.9433% | 2,730 |
| Net loans and leases to core deposits | 92.9026% | 2,019 |
| Total domestic deposits to total assets | 87.7346% | 2,533 |
| Equity capital to assets | 11.6673% | 2,143 |
| Core capital (leverage) ratio | 11.6284% | 1,785 |
| Tier 1 risk-based capital ratio | 15.3022% | 3,254 |
| Total risk-based capital ratio | 16.5690% | 3,213 |
| Memoranda: | ||
| Average total assets | $92,138,500 | 5,235 |
| Average earning assets | $90,765,000 | 5,018 |
| Average equity | $10,743,500 | 4,861 |
| Average total loans | $66,980,000 | 4,732 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0889% | 4,138 |
| Cost of funding earning assets | 1.0992% | 5,138 |
| Net interest margin | 3.9897% | 3,065 |
| Noninterest income to average assets | 0.4376% | 4,609 |
| Noninterest expense to average assets | 3.8435% | 1,410 |
| Loan and lease loss provision to assets | 0.7247% | 2,265 |
| Net operating income to assets | -0.2150% | 6,131 |
| Return on assets (ROA) | -0.2150% | 6,185 |
| Pretax return on assets | -0.2150% | 6,100 |
| Return on Equity (ROE) | -1.8789% | 6,161 |
| Retained earnings to average equity (ytd only) | -1.8789% | 5,953 |
| Net charge-offs to loans | 0.8180% | 2,591 |
| Credit loss provision to net charge-offs | 105.9150% | 4,225 |
| Earnings coverage of net charge-offs (x) | 0.7449% | 5,373 |
| Efficiency ratio | 88.2917% | 1,459 |
| Assets per employee ($millions) | 4.5911% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6436% | 1,238 |
| Loan loss allowance to noncurrent loans | 223.9295% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 5,281 |
| Noncurrent loans to loans | 1.1806% | 4,744 |
| Net loans and leases to total assets | 71.3097% | 2,234 |
| Net loans and leases to deposits | 81.3220% | 2,927 |
| Net loans and leases to core deposits | 97.4274% | 1,850 |
| Total domestic deposits to total assets | 87.6881% | 2,426 |
| Equity capital to assets | 11.6530% | 2,159 |
| Core capital (leverage) ratio | 11.9358% | 1,600 |
| Tier 1 risk-based capital ratio | 14.9256% | 3,291 |
| Total risk-based capital ratio | 16.1908% | 3,238 |
| Memoranda: | ||
| Average total assets | $79,068,400 | 5,620 |
| Average earning assets | $77,599,600 | 5,430 |
| Average equity | $9,047,800 | 5,407 |
| Average total loans | $66,138,400 | 4,819 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2323% | 3,674 |
| Cost of funding earning assets | 1.1566% | 5,104 |
| Net interest margin | 4.0757% | 2,735 |
| Noninterest income to average assets | 0.5148% | 4,064 |
| Noninterest expense to average assets | 4.1240% | 909 |
| Loan and lease loss provision to assets | 0.8909% | 1,705 |
| Net operating income to assets | -0.5060% | 6,593 |
| Return on assets (ROA) | -0.5060% | 6,643 |
| Pretax return on assets | -0.5060% | 6,559 |
| Return on Equity (ROE) | -4.4470% | 6,601 |
| Retained earnings to average equity (ytd only) | -4.4470% | 6,507 |
| Net charge-offs to loans | 0.5608% | 3,072 |
| Credit loss provision to net charge-offs | 183.0325% | 1,988 |
| Earnings coverage of net charge-offs (x) | 0.7906% | 5,258 |
| Efficiency ratio | 91.4653% | 1,175 |
| Assets per employee ($millions) | 4.8316% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8721% | 934 |
| Loan loss allowance to noncurrent loans | 191.1992% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 1.2589% | 4,631 |
| Noncurrent loans to loans | 1.5022% | 4,383 |
| Net loans and leases to total assets | 81.3969% | 575 |
| Net loans and leases to deposits | 93.2403% | 1,290 |
| Net loans and leases to core deposits | 100.0958% | 1,838 |
| Total domestic deposits to total assets | 87.2981% | 2,374 |
| Equity capital to assets | 11.9800% | 2,170 |
| Core capital (leverage) ratio | 12.4370% | 1,445 |
| Tier 1 risk-based capital ratio | 13.7707% | 4,003 |
| Total risk-based capital ratio | 15.0400% | 3,948 |
| Memoranda: | ||
| Average total assets | $75,880,000 | 5,777 |
| Average earning assets | $74,357,000 | 5,595 |
| Average equity | $8,634,750 | 5,589 |
| Average total loans | $65,859,000 | 4,912 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3218% | 3,362 |
| Cost of funding earning assets | 1.2085% | 5,075 |
| Net interest margin | 4.1133% | 2,498 |
| Noninterest income to average assets | 0.6423% | 3,051 |
| Noninterest expense to average assets | 4.2524% | 761 |
| Loan and lease loss provision to assets | 1.0218% | 1,428 |
| Net operating income to assets | -0.6098% | 6,749 |
| Return on assets (ROA) | -0.6098% | 6,775 |
| Pretax return on assets | -0.6098% | 6,664 |
| Return on Equity (ROE) | -5.4658% | 6,737 |
| Retained earnings to average equity (ytd only) | -5.4658% | 6,608 |
| Net charge-offs to loans | 0.6845% | 2,504 |
| Credit loss provision to net charge-offs | 169.8198% | 2,304 |
| Earnings coverage of net charge-offs (x) | 0.6847% | 5,059 |
| Efficiency ratio | 91.1679% | 1,250 |
| Assets per employee ($millions) | 3.9560% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9560% | 856 |
| Loan loss allowance to noncurrent loans | 199.5803% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 1.2679% | 4,609 |
| Noncurrent loans to loans | 1.4811% | 4,479 |
| Net loans and leases to total assets | 83.0730% | 430 |
| Net loans and leases to deposits | 96.4504% | 1,009 |
| Net loans and leases to core deposits | 104.2195% | 1,615 |
| Total domestic deposits to total assets | 86.1303% | 3,014 |
| Equity capital to assets | 13.1579% | 1,495 |
| Core capital (leverage) ratio | 13.5307% | 1,048 |
| Tier 1 risk-based capital ratio | 14.8782% | 3,222 |
| Total risk-based capital ratio | 16.1494% | 3,182 |
| Memoranda: | ||
| Average total assets | $73,794,330 | 5,879 |
| Average earning assets | $72,155,670 | 5,702 |
| Average equity | $8,233,000 | 5,718 |
| Average total loans | $64,867,330 | 4,986 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3634% | 3,225 |
| Cost of funding earning assets | 1.2735% | 4,973 |
| Net interest margin | 4.0898% | 2,483 |
| Noninterest income to average assets | 0.8480% | 1,822 |
| Noninterest expense to average assets | 4.1746% | 836 |
| Loan and lease loss provision to assets | 1.0614% | 1,164 |
| Net operating income to assets | -0.3994% | 6,758 |
| Return on assets (ROA) | -0.3994% | 6,798 |
| Pretax return on assets | -0.3994% | 6,716 |
| Return on Equity (ROE) | -3.9435% | 6,816 |
| Retained earnings to average equity (ytd only) | -3.9435% | 6,489 |
| Net charge-offs to loans | 0.2825% | 3,280 |
| Credit loss provision to net charge-offs | 421.7391% | 981 |
| Earnings coverage of net charge-offs (x) | 2.6304% | 3,223 |
| Efficiency ratio | 86.3122% | 1,763 |
| Assets per employee ($millions) | 4.3168% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9472% | 858 |
| Loan loss allowance to noncurrent loans | 205.5255% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 4,459 |
| Noncurrent loans to loans | 1.4340% | 4,587 |
| Net loans and leases to total assets | 85.1239% | 280 |
| Net loans and leases to deposits | 95.4585% | 1,172 |
| Net loans and leases to core deposits | 105.4044% | 1,628 |
| Total domestic deposits to total assets | 89.1737% | 1,430 |
| Equity capital to assets | 10.0469% | 3,803 |
| Core capital (leverage) ratio | 10.2438% | 2,880 |
| Tier 1 risk-based capital ratio | 10.9828% | 6,175 |
| Total risk-based capital ratio | 12.2147% | 6,164 |
| Memoranda: | ||
| Average total assets | $73,109,500 | 5,959 |
| Average earning assets | $71,298,500 | 5,807 |
| Average equity | $7,404,500 | 6,053 |
| Average total loans | $65,129,500 | 5,036 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4878% | 4,207 |
| Cost of funding earning assets | 1.5520% | 5,268 |
| Net interest margin | 3.9358% | 3,139 |
| Noninterest income to average assets | 0.2994% | 5,956 |
| Noninterest expense to average assets | 4.6170% | 704 |
| Loan and lease loss provision to assets | 2.9527% | 595 |
| Net operating income to assets | -3.4592% | 7,498 |
| Return on assets (ROA) | -3.4592% | 7,502 |
| Pretax return on assets | -3.4635% | 7,410 |
| Return on Equity (ROE) | -27.5505% | 7,352 |
| Retained earnings to average equity (ytd only) | -27.5505% | 7,327 |
| Net charge-offs to loans | 1.9041% | 1,297 |
| Credit loss provision to net charge-offs | 172.1257% | 2,468 |
| Earnings coverage of net charge-offs (x) | -0.2978% | 6,544 |
| Efficiency ratio | 112.4395% | 757 |
| Assets per employee ($millions) | 4.0463% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6498% | 1,072 |
| Loan loss allowance to noncurrent loans | 223.8462% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 2.1968% | 3,132 |
| Noncurrent loans to loans | 1.1837% | 4,962 |
| Net loans and leases to total assets | 88.0741% | 168 |
| Net loans and leases to deposits | 99.0198% | 995 |
| Net loans and leases to core deposits | 131.3761% | 1,207 |
| Total domestic deposits to total assets | 88.9459% | 1,502 |
| Equity capital to assets | 10.2097% | 3,498 |
| Core capital (leverage) ratio | 9.9972% | 3,096 |
| Tier 1 risk-based capital ratio | 10.7085% | 6,196 |
| Total risk-based capital ratio | 11.9744% | 6,160 |
| Memoranda: | ||
| Average total assets | $70,478,600 | 5,986 |
| Average earning assets | $68,169,200 | 5,862 |
| Average equity | $8,849,200 | 5,650 |
| Average total loans | $63,494,800 | 5,118 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3951% | 4,973 |
| Cost of funding earning assets | 1.5832% | 5,476 |
| Net interest margin | 3.8119% | 3,605 |
| Noninterest income to average assets | 0.3129% | 5,978 |
| Noninterest expense to average assets | 4.4927% | 750 |
| Loan and lease loss provision to assets | 1.9554% | 934 |
| Net operating income to assets | -2.4476% | 7,457 |
| Return on assets (ROA) | -2.4476% | 7,448 |
| Pretax return on assets | -2.4514% | 7,329 |
| Return on Equity (ROE) | -18.5886% | 7,328 |
| Retained earnings to average equity (ytd only) | -18.5886% | 7,292 |
| Net charge-offs to loans | 1.6132% | 1,265 |
| Credit loss provision to net charge-offs | 134.6912% | 3,688 |
| Earnings coverage of net charge-offs (x) | -0.3417% | 6,383 |
| Efficiency ratio | 112.4105% | 725 |
| Assets per employee ($millions) | 4.1332% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7555% | 2,425 |
| Loan loss allowance to noncurrent loans | 93.6533% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 3.1278% | 2,187 |
| Noncurrent loans to loans | 1.8745% | 3,804 |
| Net loans and leases to total assets | 91.0185% | 80 |
| Net loans and leases to deposits | 119.3994% | 217 |
| Net loans and leases to core deposits | 162.7256% | 344 |
| Total domestic deposits to total assets | 76.2302% | 6,543 |
| Equity capital to assets | 11.5314% | 2,558 |
| Core capital (leverage) ratio | 11.6761% | 1,977 |
| Tier 1 risk-based capital ratio | 11.7041% | 5,243 |
| Total risk-based capital ratio | 12.9606% | 5,180 |
| Memoranda: | ||
| Average total assets | $69,890,000 | 6,043 |
| Average earning assets | $67,540,750 | 5,921 |
| Average equity | $9,202,500 | 5,592 |
| Average total loans | $62,895,250 | 5,172 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2386% | 5,922 |
| Cost of funding earning assets | 1.6785% | 5,375 |
| Net interest margin | 3.5601% | 4,534 |
| Noninterest income to average assets | 0.3363% | 5,820 |
| Noninterest expense to average assets | 4.6178% | 683 |
| Loan and lease loss provision to assets | 1.6085% | 1,048 |
| Net operating income to assets | -2.4478% | 7,544 |
| Return on assets (ROA) | -2.4478% | 7,541 |
| Pretax return on assets | -2.4537% | 7,406 |
| Return on Equity (ROE) | -17.7890% | 7,448 |
| Retained earnings to average equity (ytd only) | -17.7890% | 7,385 |
| Net charge-offs to loans | 0.9230% | 1,866 |
| Credit loss provision to net charge-offs | 195.7295% | 2,336 |
| Earnings coverage of net charge-offs (x) | -1.0285% | 6,233 |
| Efficiency ratio | 122.4031% | 625 |
| Assets per employee ($millions) | 3.6099% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7089% | 2,311 |
| Loan loss allowance to noncurrent loans | 70.7483% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 3.8630% | 1,563 |
| Noncurrent loans to loans | 2.4154% | 2,997 |
| Net loans and leases to total assets | 91.1396% | 83 |
| Net loans and leases to deposits | 120.7956% | 218 |
| Net loans and leases to core deposits | 163.6637% | 390 |
| Total domestic deposits to total assets | 75.4495% | 6,673 |
| Equity capital to assets | 12.4754% | 1,936 |
| Core capital (leverage) ratio | 13.4612% | 1,283 |
| Tier 1 risk-based capital ratio | 12.7533% | 4,318 |
| Total risk-based capital ratio | 14.0078% | 4,230 |
| Memoranda: | ||
| Average total assets | $68,387,670 | 6,134 |
| Average earning assets | $66,010,000 | 6,006 |
| Average equity | $9,410,330 | 5,544 |
| Average total loans | $60,885,330 | 5,294 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2525% | 6,106 |
| Cost of funding earning assets | 1.8048% | 5,095 |
| Net interest margin | 3.4477% | 4,950 |
| Noninterest income to average assets | 0.3911% | 5,290 |
| Noninterest expense to average assets | 4.8013% | 555 |
| Loan and lease loss provision to assets | 1.1251% | 1,157 |
| Net operating income to assets | -2.1901% | 7,708 |
| Return on assets (ROA) | -2.1901% | 7,706 |
| Pretax return on assets | -2.2021% | 7,590 |
| Return on Equity (ROE) | -15.1477% | 7,607 |
| Retained earnings to average equity (ytd only) | -15.1477% | 7,445 |
| Net charge-offs to loans | 0.8850% | 1,480 |
| Credit loss provision to net charge-offs | 146.0938% | 2,836 |
| Earnings coverage of net charge-offs (x) | -1.3984% | 5,415 |
| Efficiency ratio | 128.9176% | 510 |
| Assets per employee ($millions) | 3.2734% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 2,738 |
| Loan loss allowance to noncurrent loans | 49.1311% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 3.6461% | 1,452 |
| Noncurrent loans to loans | 3.1439% | 2,057 |
| Net loans and leases to total assets | 90.8383% | 109 |
| Net loans and leases to deposits | 108.5100% | 699 |
| Net loans and leases to core deposits | 142.0620% | 1,010 |
| Total domestic deposits to total assets | 83.7142% | 3,836 |
| Equity capital to assets | 14.4498% | 1,247 |
| Core capital (leverage) ratio | 14.2685% | 1,136 |
| Tier 1 risk-based capital ratio | 14.9431% | 3,097 |
| Total risk-based capital ratio | 16.1988% | 3,023 |
| Memoranda: | ||
| Average total assets | $66,482,500 | 6,233 |
| Average earning assets | $64,274,000 | 6,095 |
| Average equity | $9,612,000 | 5,505 |
| Average total loans | $57,855,500 | 5,461 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7317% | 6,673 |
| Cost of funding earning assets | 2.0043% | 6,404 |
| Net interest margin | 3.7274% | 4,348 |
| Noninterest income to average assets | 0.2635% | 6,569 |
| Noninterest expense to average assets | 5.0600% | 603 |
| Loan and lease loss provision to assets | 1.0092% | 1,454 |
| Net operating income to assets | -2.1895% | 7,647 |
| Return on assets (ROA) | -2.1895% | 7,605 |
| Pretax return on assets | -2.1895% | 7,501 |
| Return on Equity (ROE) | -13.6558% | 7,527 |
| Retained earnings to average equity (ytd only) | -13.6558% | 7,381 |
| Net charge-offs to loans | 0.6394% | 1,929 |
| Credit loss provision to net charge-offs | 217.6080% | 2,205 |
| Earnings coverage of net charge-offs (x) | -2.5449% | 6,740 |
| Efficiency ratio | 130.4210% | 461 |
| Assets per employee ($millions) | 3.3749% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5802% | 2,329 |
| Loan loss allowance to noncurrent loans | 99.6579% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 2.0223% | 2,433 |
| Noncurrent loans to loans | 1.5857% | 3,397 |
| Net loans and leases to total assets | 80.6465% | 1,517 |
| Net loans and leases to deposits | 95.2376% | 2,572 |
| Net loans and leases to core deposits | 127.8784% | 2,006 |
| Total domestic deposits to total assets | 84.6793% | 2,987 |
| Equity capital to assets | 14.4658% | 1,306 |
| Core capital (leverage) ratio | 14.7539% | 1,080 |
| Tier 1 risk-based capital ratio | 16.2850% | 2,556 |
| Total risk-based capital ratio | 17.5359% | 2,494 |
| Memoranda: | ||
| Average total assets | $64,901,600 | 6,196 |
| Average earning assets | $62,966,000 | 6,051 |
| Average equity | $10,405,800 | 5,291 |
| Average total loans | $47,073,400 | 5,820 |