Home > Prism Bank > Performance and Condition Ratios
Prism Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4522% | 368 |
| Cost of funding earning assets | 2.6178% | 292 |
| Net interest margin | 3.8344% | 1,501 |
| Noninterest income to average assets | 0.9000% | 766 |
| Noninterest expense to average assets | 3.5553% | 543 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.5300% | 3,608 |
| Return on assets (ROA) | 0.5300% | 3,592 |
| Pretax return on assets | 0.7098% | 3,415 |
| Return on Equity (ROE) | 4.7000% | 3,774 |
| Retained earnings to average equity (ytd only) | 4.6955% | 2,714 |
| Net charge-offs to loans | -0.0183% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.4796% | 1,030 |
| Assets per employee ($millions) | 4.9683% | 3,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,341 |
| Loan loss allowance to noncurrent loans | 280.4331% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 1,303 |
| Noncurrent loans to loans | 0.5041% | 1,521 |
| Net loans and leases to total assets | 83.4300% | 313 |
| Net loans and leases to deposits | 95.4872% | 826 |
| Net loans and leases to core deposits | 119.1987% | 646 |
| Total domestic deposits to total assets | 87.3800% | 1,566 |
| Equity capital to assets | 11.0302% | 1,464 |
| Core capital (leverage) ratio | 10.7755% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8014% | 1,596 |
| Memoranda: | ||
| Average total assets | $276,432,000 | 2,544 |
| Average earning assets | $261,863,200 | 2,512 |
| Average equity | $31,200,400 | 2,214 |
| Average total loans | $235,261,000 | 2,081 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3201% | 364 |
| Cost of funding earning assets | 2.4222% | 325 |
| Net interest margin | 3.8979% | 1,407 |
| Noninterest income to average assets | 0.9500% | 695 |
| Noninterest expense to average assets | 3.5382% | 528 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 0.5753% | 3,615 |
| Return on assets (ROA) | 0.5753% | 3,598 |
| Pretax return on assets | 0.7685% | 3,402 |
| Return on Equity (ROE) | 5.0600% | 3,796 |
| Retained earnings to average equity (ytd only) | 5.0646% | 2,911 |
| Net charge-offs to loans | -0.0081% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.3953% | 1,142 |
| Assets per employee ($millions) | 4.8072% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 1,342 |
| Loan loss allowance to noncurrent loans | 312.9778% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 1,478 |
| Noncurrent loans to loans | 0.4560% | 1,683 |
| Net loans and leases to total assets | 84.3100% | 256 |
| Net loans and leases to deposits | 98.5896% | 577 |
| Net loans and leases to core deposits | 124.9313% | 432 |
| Total domestic deposits to total assets | 85.5200% | 2,342 |
| Equity capital to assets | 11.0303% | 1,334 |
| Core capital (leverage) ratio | 10.9854% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8702% | 1,600 |
| Memoranda: | ||
| Average total assets | $269,773,250 | 2,581 |
| Average earning assets | $255,074,250 | 2,547 |
| Average equity | $30,643,250 | 2,223 |
| Average total loans | $229,956,000 | 2,101 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1799% | 357 |
| Cost of funding earning assets | 2.2309% | 318 |
| Net interest margin | 3.9491% | 1,329 |
| Noninterest income to average assets | 0.9900% | 576 |
| Noninterest expense to average assets | 3.5310% | 523 |
| Loan and lease loss provision to assets | 0.3500% | 253 |
| Net operating income to assets | 0.6170% | 3,536 |
| Return on assets (ROA) | 0.6170% | 3,541 |
| Pretax return on assets | 0.8249% | 3,342 |
| Return on Equity (ROE) | 5.3700% | 3,828 |
| Retained earnings to average equity (ytd only) | 5.3747% | 2,832 |
| Net charge-offs to loans | -0.0080% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.9758% | 1,256 |
| Assets per employee ($millions) | 4.7189% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 1,473 |
| Loan loss allowance to noncurrent loans | 743.8479% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 2,421 |
| Noncurrent loans to loans | 0.1901% | 2,514 |
| Net loans and leases to total assets | 84.6900% | 231 |
| Net loans and leases to deposits | 98.8418% | 567 |
| Net loans and leases to core deposits | 131.6735% | 307 |
| Total domestic deposits to total assets | 85.6800% | 2,335 |
| Equity capital to assets | 11.4153% | 1,226 |
| Core capital (leverage) ratio | 10.9805% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1738% | 1,517 |
| Memoranda: | ||
| Average total assets | $263,553,333 | 2,614 |
| Average earning assets | $248,514,667 | 2,589 |
| Average equity | $30,252,667 | 2,256 |
| Average total loans | $224,374,333 | 2,130 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8106% | 409 |
| Cost of funding earning assets | 1.9045% | 360 |
| Net interest margin | 3.9061% | 1,469 |
| Noninterest income to average assets | 1.0100% | 565 |
| Noninterest expense to average assets | 3.5732% | 496 |
| Loan and lease loss provision to assets | 0.3900% | 208 |
| Net operating income to assets | 0.5416% | 3,806 |
| Return on assets (ROA) | 0.5416% | 3,769 |
| Pretax return on assets | 0.7242% | 3,612 |
| Return on Equity (ROE) | 4.7000% | 3,933 |
| Retained earnings to average equity (ytd only) | 4.7047% | 3,088 |
| Net charge-offs to loans | -0.0073% | 3,753 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.2550% | 1,150 |
| Assets per employee ($millions) | 5.0663% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 1,796 |
| Loan loss allowance to noncurrent loans | 1,617.1875% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 947 |
| Noncurrent loans to loans | 0.0838% | 3,141 |
| Net loans and leases to total assets | 84.1800% | 227 |
| Net loans and leases to deposits | 97.9581% | 541 |
| Net loans and leases to core deposits | 125.5362% | 337 |
| Total domestic deposits to total assets | 85.9400% | 2,610 |
| Equity capital to assets | 11.0884% | 1,310 |
| Core capital (leverage) ratio | 11.0343% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7384% | 1,705 |
| Memoranda: | ||
| Average total assets | $258,482,500 | 2,676 |
| Average earning assets | $243,003,000 | 2,658 |
| Average equity | $29,757,500 | 2,303 |
| Average total loans | $219,002,000 | 2,177 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1659% | 233 |
| Cost of funding earning assets | 0.6145% | 845 |
| Net interest margin | 4.5514% | 267 |
| Noninterest income to average assets | 1.2600% | 428 |
| Noninterest expense to average assets | 4.1083% | 307 |
| Loan and lease loss provision to assets | 0.4000% | 177 |
| Net operating income to assets | 0.8197% | 3,258 |
| Return on assets (ROA) | 0.8197% | 3,194 |
| Pretax return on assets | 1.0009% | 3,074 |
| Return on Equity (ROE) | 6.7600% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.7627% | 2,336 |
| Net charge-offs to loans | 0.2577% | 308 |
| Credit loss provision to net charge-offs | 182.4034% | 1,177 |
| Earnings coverage of net charge-offs (x) | 6.4356% | 2,334 |
| Efficiency ratio | 74.3993% | 1,173 |
| Assets per employee ($millions) | 4.5173% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 2,730 |
| Loan loss allowance to noncurrent loans | 1,164.0394% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.5945% | 844 |
| Noncurrent loans to loans | 0.0972% | 3,068 |
| Net loans and leases to total assets | 83.1100% | 316 |
| Net loans and leases to deposits | 100.4182% | 423 |
| Net loans and leases to core deposits | 117.5565% | 413 |
| Total domestic deposits to total assets | 82.7600% | 3,470 |
| Equity capital to assets | 11.9706% | 945 |
| Core capital (leverage) ratio | 12.4476% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2184% | 1,310 |
| Memoranda: | ||
| Average total assets | $214,714,200 | 2,945 |
| Average earning assets | $200,489,600 | 2,935 |
| Average equity | $26,025,000 | 2,529 |
| Average total loans | $180,798,400 | 2,365 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9990% | 212 |
| Cost of funding earning assets | 0.3975% | 1,307 |
| Net interest margin | 4.6015% | 199 |
| Noninterest income to average assets | 1.3200% | 422 |
| Noninterest expense to average assets | 4.2142% | 285 |
| Loan and lease loss provision to assets | 0.3700% | 160 |
| Net operating income to assets | 0.8635% | 3,025 |
| Return on assets (ROA) | 0.8635% | 2,999 |
| Pretax return on assets | 1.0238% | 2,954 |
| Return on Equity (ROE) | 7.1000% | 3,571 |
| Retained earnings to average equity (ytd only) | 7.0979% | 2,330 |
| Net charge-offs to loans | 0.3606% | 175 |
| Credit loss provision to net charge-offs | 122.9787% | 1,208 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 2,171 |
| Efficiency ratio | 74.7869% | 1,199 |
| Assets per employee ($millions) | 4.0652% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 2,921 |
| Loan loss allowance to noncurrent loans | 975.2336% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 764 |
| Noncurrent loans to loans | 0.1148% | 3,072 |
| Net loans and leases to total assets | 83.9700% | 246 |
| Net loans and leases to deposits | 101.0299% | 327 |
| Net loans and leases to core deposits | 107.4693% | 548 |
| Total domestic deposits to total assets | 83.1100% | 3,671 |
| Equity capital to assets | 11.9336% | 899 |
| Core capital (leverage) ratio | 11.5571% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6879% | 1,506 |
| Memoranda: | ||
| Average total assets | $206,280,250 | 3,024 |
| Average earning assets | $192,540,250 | 3,010 |
| Average equity | $25,096,000 | 2,618 |
| Average total loans | $173,785,250 | 2,428 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8447% | 214 |
| Cost of funding earning assets | 0.2780% | 1,926 |
| Net interest margin | 4.5667% | 172 |
| Noninterest income to average assets | 1.3514% | 390 |
| Noninterest expense to average assets | 4.2226% | 246 |
| Loan and lease loss provision to assets | 0.2754% | 247 |
| Net operating income to assets | 0.9818% | 2,222 |
| Return on assets (ROA) | 0.9818% | 2,197 |
| Pretax return on assets | 1.1176% | 2,340 |
| Return on Equity (ROE) | 8.0149% | 3,013 |
| Retained earnings to average equity (ytd only) | 8.0149% | 1,610 |
| Net charge-offs to loans | 0.5614% | 118 |
| Credit loss provision to net charge-offs | 58.4034% | 1,461 |
| Earnings coverage of net charge-offs (x) | 2.9538% | 2,014 |
| Efficiency ratio | 74.7177% | 1,422 |
| Assets per employee ($millions) | 4.3067% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 3,601 |
| Loan loss allowance to noncurrent loans | 117.7910% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.7165% | 748 |
| Noncurrent loans to loans | 0.8476% | 1,010 |
| Net loans and leases to total assets | 83.6890% | 200 |
| Net loans and leases to deposits | 99.8818% | 274 |
| Net loans and leases to core deposits | 105.6780% | 463 |
| Total domestic deposits to total assets | 83.7881% | 3,729 |
| Equity capital to assets | 12.0604% | 852 |
| Core capital (leverage) ratio | 11.6582% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3186% | 1,622 |
| Memoranda: | ||
| Average total assets | $201,866,000 | 3,085 |
| Average earning assets | $188,496,000 | 3,075 |
| Average equity | $24,729,000 | 2,699 |
| Average total loans | $169,575,667 | 2,465 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6615% | 237 |
| Cost of funding earning assets | 0.2561% | 2,085 |
| Net interest margin | 4.4055% | 193 |
| Noninterest income to average assets | 1.3949% | 390 |
| Noninterest expense to average assets | 4.2132% | 238 |
| Loan and lease loss provision to assets | 0.1926% | 381 |
| Net operating income to assets | 0.8232% | 2,580 |
| Return on assets (ROA) | 0.8232% | 2,575 |
| Pretax return on assets | 1.1050% | 2,126 |
| Return on Equity (ROE) | 6.6645% | 3,138 |
| Retained earnings to average equity (ytd only) | 6.6645% | 2,003 |
| Net charge-offs to loans | -0.0097% | 3,574 |
| Credit loss provision to net charge-offs | -2,375.0000% | 3,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9750% | 1,524 |
| Assets per employee ($millions) | 4.4183% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,706 |
| Loan loss allowance to noncurrent loans | 288.6111% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 1,664 |
| Noncurrent loans to loans | 0.4261% | 1,965 |
| Net loans and leases to total assets | 83.9321% | 88 |
| Net loans and leases to deposits | 96.0057% | 279 |
| Net loans and leases to core deposits | 99.2778% | 535 |
| Total domestic deposits to total assets | 87.4241% | 2,773 |
| Equity capital to assets | 12.3309% | 851 |
| Core capital (leverage) ratio | 11.6720% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7078% | 1,586 |
| Memoranda: | ||
| Average total assets | $197,284,000 | 3,123 |
| Average earning assets | $184,317,000 | 3,117 |
| Average equity | $24,368,000 | 2,811 |
| Average total loans | $165,168,500 | 2,508 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 517 |
| Cost of funding earning assets | 0.4685% | 1,070 |
| Net interest margin | 4.1201% | 571 |
| Noninterest income to average assets | 1.3786% | 574 |
| Noninterest expense to average assets | 3.7730% | 359 |
| Loan and lease loss provision to assets | 0.1329% | 918 |
| Net operating income to assets | 0.9862% | 2,731 |
| Return on assets (ROA) | 0.9862% | 2,798 |
| Pretax return on assets | 1.3060% | 2,338 |
| Return on Equity (ROE) | 8.7156% | 3,004 |
| Retained earnings to average equity (ytd only) | 8.7156% | 1,276 |
| Net charge-offs to loans | -0.0588% | 4,398 |
| Credit loss provision to net charge-offs | -288.8889% | 3,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8627% | 1,525 |
| Assets per employee ($millions) | 3.8381% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,755 |
| Loan loss allowance to noncurrent loans | 270.7250% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.3734% | 1,731 |
| Noncurrent loans to loans | 0.4530% | 2,003 |
| Net loans and leases to total assets | 81.4343% | 203 |
| Net loans and leases to deposits | 93.0978% | 414 |
| Net loans and leases to core deposits | 97.1016% | 655 |
| Total domestic deposits to total assets | 87.4718% | 2,294 |
| Equity capital to assets | 12.3729% | 1,099 |
| Core capital (leverage) ratio | 11.2421% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0540% | 1,490 |
| Memoranda: | ||
| Average total assets | $195,706,000 | 3,091 |
| Average earning assets | $182,084,400 | 3,080 |
| Average equity | $22,144,200 | 3,051 |
| Average total loans | $153,093,800 | 2,603 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 567 |
| Cost of funding earning assets | 0.5144% | 978 |
| Net interest margin | 4.0879% | 671 |
| Noninterest income to average assets | 1.3551% | 646 |
| Noninterest expense to average assets | 3.6600% | 387 |
| Loan and lease loss provision to assets | 0.1191% | 995 |
| Net operating income to assets | 1.0444% | 2,752 |
| Return on assets (ROA) | 1.0444% | 2,817 |
| Pretax return on assets | 1.3769% | 2,415 |
| Return on Equity (ROE) | 9.4516% | 2,948 |
| Retained earnings to average equity (ytd only) | 9.4516% | 1,513 |
| Net charge-offs to loans | -0.1404% | 4,712 |
| Credit loss provision to net charge-offs | -110.0629% | 3,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4545% | 1,557 |
| Assets per employee ($millions) | 4.8811% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,742 |
| Loan loss allowance to noncurrent loans | 199.6948% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 1,554 |
| Noncurrent loans to loans | 0.6253% | 1,744 |
| Net loans and leases to total assets | 77.5689% | 426 |
| Net loans and leases to deposits | 87.5762% | 735 |
| Net loans and leases to core deposits | 91.0132% | 981 |
| Total domestic deposits to total assets | 88.5731% | 1,528 |
| Equity capital to assets | 11.2155% | 1,879 |
| Core capital (leverage) ratio | 10.1892% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9809% | 1,976 |
| Memoranda: | ||
| Average total assets | $195,696,750 | 3,136 |
| Average earning assets | $181,964,000 | 3,118 |
| Average equity | $21,625,500 | 3,122 |
| Average total loans | $151,022,000 | 2,661 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 607 |
| Cost of funding earning assets | 0.5726% | 857 |
| Net interest margin | 4.0449% | 760 |
| Noninterest income to average assets | 1.2614% | 735 |
| Noninterest expense to average assets | 3.5351% | 447 |
| Loan and lease loss provision to assets | 0.1287% | 971 |
| Net operating income to assets | 1.0411% | 2,754 |
| Return on assets (ROA) | 1.0411% | 2,831 |
| Pretax return on assets | 1.3582% | 2,443 |
| Return on Equity (ROE) | 9.4697% | 2,958 |
| Retained earnings to average equity (ytd only) | 9.4697% | 1,563 |
| Net charge-offs to loans | -0.2094% | 4,801 |
| Credit loss provision to net charge-offs | -80.1282% | 3,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8380% | 1,662 |
| Assets per employee ($millions) | 4.5724% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,684 |
| Loan loss allowance to noncurrent loans | 207.6087% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 1,817 |
| Noncurrent loans to loans | 0.6015% | 1,902 |
| Net loans and leases to total assets | 75.0779% | 670 |
| Net loans and leases to deposits | 84.4376% | 1,032 |
| Net loans and leases to core deposits | 87.5772% | 1,304 |
| Total domestic deposits to total assets | 88.9153% | 1,323 |
| Equity capital to assets | 10.9098% | 2,063 |
| Core capital (leverage) ratio | 10.1171% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4264% | 1,824 |
| Memoranda: | ||
| Average total assets | $194,221,000 | 3,144 |
| Average earning assets | $180,571,333 | 3,130 |
| Average equity | $21,352,333 | 3,141 |
| Average total loans | $148,963,667 | 2,695 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9957% | 357 |
| Cost of funding earning assets | 0.6047% | 862 |
| Net interest margin | 4.3910% | 436 |
| Noninterest income to average assets | 0.9751% | 1,175 |
| Noninterest expense to average assets | 3.4684% | 489 |
| Loan and lease loss provision to assets | 0.1573% | 813 |
| Net operating income to assets | 1.3379% | 1,719 |
| Return on assets (ROA) | 1.3379% | 1,806 |
| Pretax return on assets | 1.4301% | 2,192 |
| Return on Equity (ROE) | 12.0925% | 1,985 |
| Retained earnings to average equity (ytd only) | 12.0925% | 1,119 |
| Net charge-offs to loans | -0.0218% | 4,033 |
| Credit loss provision to net charge-offs | -937.5000% | 3,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0630% | 1,926 |
| Assets per employee ($millions) | 4.4338% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,292 |
| Loan loss allowance to noncurrent loans | 209.2910% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 2,142 |
| Noncurrent loans to loans | 0.5400% | 2,239 |
| Net loans and leases to total assets | 76.7712% | 561 |
| Net loans and leases to deposits | 86.3476% | 943 |
| Net loans and leases to core deposits | 89.6879% | 1,254 |
| Total domestic deposits to total assets | 88.9094% | 1,383 |
| Equity capital to assets | 11.0460% | 1,827 |
| Core capital (leverage) ratio | 10.0436% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2779% | 1,823 |
| Memoranda: | ||
| Average total assets | $190,749,500 | 3,157 |
| Average earning assets | $177,272,000 | 3,147 |
| Average equity | $21,104,000 | 3,149 |
| Average total loans | $146,967,000 | 2,728 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8990% | 597 |
| Cost of funding earning assets | 1.0513% | 491 |
| Net interest margin | 3.8477% | 1,364 |
| Noninterest income to average assets | 0.7547% | 1,674 |
| Noninterest expense to average assets | 3.6510% | 565 |
| Loan and lease loss provision to assets | 0.3828% | 841 |
| Net operating income to assets | 0.3300% | 4,393 |
| Return on assets (ROA) | 0.3300% | 4,455 |
| Pretax return on assets | 0.2771% | 4,577 |
| Return on Equity (ROE) | 2.7940% | 4,425 |
| Retained earnings to average equity (ytd only) | 2.7940% | 3,468 |
| Net charge-offs to loans | 0.4283% | 390 |
| Credit loss provision to net charge-offs | 109.7561% | 2,727 |
| Earnings coverage of net charge-offs (x) | 1.8920% | 3,225 |
| Efficiency ratio | 83.9301% | 640 |
| Assets per employee ($millions) | 4.4384% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 3,236 |
| Loan loss allowance to noncurrent loans | 203.3708% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 2,292 |
| Noncurrent loans to loans | 0.5623% | 2,295 |
| Net loans and leases to total assets | 75.5437% | 838 |
| Net loans and leases to deposits | 85.0792% | 1,341 |
| Net loans and leases to core deposits | 89.4973% | 1,566 |
| Total domestic deposits to total assets | 88.7922% | 1,078 |
| Equity capital to assets | 11.0823% | 2,189 |
| Core capital (leverage) ratio | 10.3150% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8800% | 1,894 |
| Memoranda: | ||
| Average total assets | $164,558,400 | 3,245 |
| Average earning assets | $152,091,200 | 3,247 |
| Average equity | $19,434,200 | 3,238 |
| Average total loans | $134,026,400 | 2,815 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0765% | 527 |
| Cost of funding earning assets | 1.1511% | 435 |
| Net interest margin | 3.9254% | 1,293 |
| Noninterest income to average assets | 0.7107% | 1,762 |
| Noninterest expense to average assets | 3.5818% | 627 |
| Loan and lease loss provision to assets | 0.3602% | 1,038 |
| Net operating income to assets | 0.4777% | 4,092 |
| Return on assets (ROA) | 0.4777% | 4,170 |
| Pretax return on assets | 0.3922% | 4,442 |
| Return on Equity (ROE) | 3.9731% | 4,161 |
| Retained earnings to average equity (ytd only) | 3.9731% | 3,063 |
| Net charge-offs to loans | 0.2112% | 726 |
| Credit loss provision to net charge-offs | 205.7416% | 2,096 |
| Earnings coverage of net charge-offs (x) | 4.2967% | 2,838 |
| Efficiency ratio | 81.8639% | 738 |
| Assets per employee ($millions) | 4.8641% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 2,635 |
| Loan loss allowance to noncurrent loans | 119.5203% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.8572% | 1,357 |
| Noncurrent loans to loans | 1.0087% | 1,481 |
| Net loans and leases to total assets | 83.9567% | 283 |
| Net loans and leases to deposits | 96.9219% | 694 |
| Net loans and leases to core deposits | 102.6369% | 1,002 |
| Total domestic deposits to total assets | 86.6230% | 1,805 |
| Equity capital to assets | 11.5272% | 1,986 |
| Core capital (leverage) ratio | 10.5439% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2351% | 2,088 |
| Memoranda: | ||
| Average total assets | $159,094,500 | 3,280 |
| Average earning assets | $146,869,250 | 3,278 |
| Average equity | $19,128,000 | 3,265 |
| Average total loans | $131,919,750 | 2,850 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7836% | 1,211 |
| Cost of funding earning assets | 1.2675% | 409 |
| Net interest margin | 3.5162% | 2,736 |
| Noninterest income to average assets | 0.6920% | 1,769 |
| Noninterest expense to average assets | 3.5576% | 690 |
| Loan and lease loss provision to assets | 0.3642% | 1,152 |
| Net operating income to assets | 0.0143% | 4,768 |
| Return on assets (ROA) | 0.0143% | 4,789 |
| Pretax return on assets | 0.0143% | 4,779 |
| Return on Equity (ROE) | 0.1172% | 4,788 |
| Retained earnings to average equity (ytd only) | 0.1172% | 4,290 |
| Net charge-offs to loans | 0.0079% | 2,663 |
| Credit loss provision to net charge-offs | 5,600.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 58.2000% | 988 |
| Efficiency ratio | 89.4911% | 395 |
| Assets per employee ($millions) | 4.4524% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 1,824 |
| Loan loss allowance to noncurrent loans | 148.6726% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 1,639 |
| Noncurrent loans to loans | 0.9016% | 1,700 |
| Net loans and leases to total assets | 82.5675% | 363 |
| Net loans and leases to deposits | 93.8147% | 976 |
| Net loans and leases to core deposits | 100.2846% | 1,244 |
| Total domestic deposits to total assets | 88.0113% | 1,177 |
| Equity capital to assets | 11.5984% | 1,913 |
| Core capital (leverage) ratio | 10.4472% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4126% | 2,029 |
| Memoranda: | ||
| Average total assets | $153,757,000 | 3,312 |
| Average earning assets | $141,858,333 | 3,326 |
| Average equity | $18,775,667 | 3,289 |
| Average total loans | $126,290,333 | 2,904 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7465% | 1,565 |
| Cost of funding earning assets | 1.4093% | 377 |
| Net interest margin | 3.3372% | 3,492 |
| Noninterest income to average assets | 0.6880% | 1,687 |
| Noninterest expense to average assets | 3.6826% | 717 |
| Loan and lease loss provision to assets | 0.7554% | 336 |
| Net operating income to assets | -0.6772% | 4,956 |
| Return on assets (ROA) | -0.6772% | 4,933 |
| Pretax return on assets | -0.6772% | 4,917 |
| Return on Equity (ROE) | -5.3949% | 4,932 |
| Retained earnings to average equity (ytd only) | -5.3949% | 4,549 |
| Net charge-offs to loans | 0.0166% | 2,039 |
| Credit loss provision to net charge-offs | 5,600.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 5.8000% | 2,026 |
| Efficiency ratio | 96.9871% | 300 |
| Assets per employee ($millions) | 4.4220% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 1,244 |
| Loan loss allowance to noncurrent loans | 115.7895% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.0615% | 1,228 |
| Noncurrent loans to loans | 1.3211% | 1,231 |
| Net loans and leases to total assets | 79.1256% | 803 |
| Net loans and leases to deposits | 90.4613% | 1,457 |
| Net loans and leases to core deposits | 97.8362% | 1,644 |
| Total domestic deposits to total assets | 87.4690% | 1,350 |
| Equity capital to assets | 12.2949% | 1,860 |
| Core capital (leverage) ratio | 11.0429% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6048% | 2,036 |
| Memoranda: | ||
| Average total assets | $148,266,500 | 3,350 |
| Average earning assets | $136,521,500 | 3,361 |
| Average equity | $18,610,000 | 3,309 |
| Average total loans | $120,501,500 | 2,946 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1643% | 1,076 |
| Cost of funding earning assets | 1.6119% | 284 |
| Net interest margin | 3.5524% | 3,281 |
| Noninterest income to average assets | 0.8603% | 1,271 |
| Noninterest expense to average assets | 3.8192% | 652 |
| Loan and lease loss provision to assets | 0.1445% | 1,480 |
| Net operating income to assets | 0.1893% | 4,846 |
| Return on assets (ROA) | 0.1893% | 4,868 |
| Pretax return on assets | 0.1624% | 4,909 |
| Return on Equity (ROE) | 1.4627% | 4,867 |
| Retained earnings to average equity (ytd only) | 1.4627% | 4,220 |
| Net charge-offs to loans | 0.2704% | 770 |
| Credit loss provision to net charge-offs | 66.0377% | 2,967 |
| Earnings coverage of net charge-offs (x) | 1.4025% | 3,547 |
| Efficiency ratio | 91.6597% | 297 |
| Assets per employee ($millions) | 4.5736% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 1,880 |
| Loan loss allowance to noncurrent loans | 95.7978% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.1219% | 1,074 |
| Noncurrent loans to loans | 1.3661% | 1,089 |
| Net loans and leases to total assets | 81.0483% | 664 |
| Net loans and leases to deposits | 93.4133% | 1,211 |
| Net loans and leases to core deposits | 102.1978% | 1,391 |
| Total domestic deposits to total assets | 86.7631% | 1,725 |
| Equity capital to assets | 12.9171% | 1,571 |
| Core capital (leverage) ratio | 11.0592% | 2,452 |
| Tier 1 risk-based capital ratio | 13.3453% | 3,611 |
| Total risk-based capital ratio | 14.5955% | 3,495 |
| Memoranda: | ||
| Average total assets | $145,291,600 | 3,362 |
| Average earning assets | $133,572,000 | 3,373 |
| Average equity | $18,801,400 | 3,246 |
| Average total loans | $117,616,000 | 2,969 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1794% | 1,084 |
| Cost of funding earning assets | 1.5895% | 315 |
| Net interest margin | 3.5899% | 3,279 |
| Noninterest income to average assets | 0.9102% | 1,123 |
| Noninterest expense to average assets | 3.8144% | 647 |
| Loan and lease loss provision to assets | 0.1471% | 1,296 |
| Net operating income to assets | 0.2859% | 4,861 |
| Return on assets (ROA) | 0.2859% | 4,876 |
| Pretax return on assets | 0.2501% | 4,953 |
| Return on Equity (ROE) | 2.2085% | 4,876 |
| Retained earnings to average equity (ytd only) | 2.2085% | 4,202 |
| Net charge-offs to loans | 0.3625% | 466 |
| Credit loss provision to net charge-offs | 50.3145% | 2,788 |
| Earnings coverage of net charge-offs (x) | 1.3585% | 3,302 |
| Efficiency ratio | 89.6966% | 332 |
| Assets per employee ($millions) | 4.8773% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 2,292 |
| Loan loss allowance to noncurrent loans | 189.4402% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 2,445 |
| Noncurrent loans to loans | 0.6541% | 2,325 |
| Net loans and leases to total assets | 78.4869% | 1,058 |
| Net loans and leases to deposits | 92.9229% | 1,328 |
| Net loans and leases to core deposits | 101.5263% | 1,546 |
| Total domestic deposits to total assets | 84.4645% | 2,643 |
| Equity capital to assets | 12.5261% | 1,899 |
| Core capital (leverage) ratio | 11.4186% | 2,288 |
| Tier 1 risk-based capital ratio | 13.4712% | 3,586 |
| Total risk-based capital ratio | 14.6913% | 3,510 |
| Memoranda: | ||
| Average total assets | $145,025,500 | 3,396 |
| Average earning assets | $133,370,250 | 3,409 |
| Average equity | $18,775,500 | 3,272 |
| Average total loans | $116,972,000 | 3,003 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2153% | 955 |
| Cost of funding earning assets | 1.5999% | 269 |
| Net interest margin | 3.6154% | 3,205 |
| Noninterest income to average assets | 0.9750% | 918 |
| Noninterest expense to average assets | 3.9044% | 596 |
| Loan and lease loss provision to assets | 0.0699% | 2,419 |
| Net operating income to assets | 0.3231% | 4,845 |
| Return on assets (ROA) | 0.3231% | 4,858 |
| Pretax return on assets | 0.3231% | 4,911 |
| Return on Equity (ROE) | 2.4678% | 4,878 |
| Retained earnings to average equity (ytd only) | 2.4678% | 3,954 |
| Net charge-offs to loans | 0.5487% | 287 |
| Credit loss provision to net charge-offs | 15.7233% | 2,676 |
| Earnings coverage of net charge-offs (x) | 0.8836% | 3,071 |
| Efficiency ratio | 89.9740% | 352 |
| Assets per employee ($millions) | 4.6418% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 2,665 |
| Loan loss allowance to noncurrent loans | 150.2179% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.1390% | 1,184 |
| Noncurrent loans to loans | 0.7794% | 2,036 |
| Net loans and leases to total assets | 80.8994% | 745 |
| Net loans and leases to deposits | 93.4638% | 1,318 |
| Net loans and leases to core deposits | 102.8102% | 1,488 |
| Total domestic deposits to total assets | 86.5570% | 1,795 |
| Equity capital to assets | 13.0997% | 1,542 |
| Core capital (leverage) ratio | 11.3427% | 2,301 |
| Tier 1 risk-based capital ratio | 13.8296% | 3,408 |
| Total risk-based capital ratio | 14.9963% | 3,350 |
| Memoranda: | ||
| Average total assets | $142,968,670 | 3,448 |
| Average earning assets | $131,382,000 | 3,457 |
| Average equity | $18,721,000 | 3,279 |
| Average total loans | $115,910,000 | 3,030 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1697% | 961 |
| Cost of funding earning assets | 1.5515% | 272 |
| Net interest margin | 3.6182% | 3,192 |
| Noninterest income to average assets | 0.9151% | 1,011 |
| Noninterest expense to average assets | 3.9521% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2947% | 4,906 |
| Return on assets (ROA) | 0.2947% | 4,909 |
| Pretax return on assets | 0.2947% | 4,965 |
| Return on Equity (ROE) | 2.2512% | 4,933 |
| Retained earnings to average equity (ytd only) | 2.2512% | 3,995 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0601% | 304 |
| Assets per employee ($millions) | 4.4101% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 1,484 |
| Loan loss allowance to noncurrent loans | 74.2896% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.5234% | 777 |
| Noncurrent loans to loans | 1.9629% | 761 |
| Net loans and leases to total assets | 76.4777% | 1,400 |
| Net loans and leases to deposits | 88.0434% | 1,863 |
| Net loans and leases to core deposits | 101.7033% | 1,489 |
| Total domestic deposits to total assets | 86.8636% | 1,882 |
| Equity capital to assets | 12.8582% | 1,539 |
| Core capital (leverage) ratio | 11.2294% | 2,364 |
| Tier 1 risk-based capital ratio | 14.1651% | 3,264 |
| Total risk-based capital ratio | 15.4166% | 3,185 |
| Memoranda: | ||
| Average total assets | $142,505,000 | 3,498 |
| Average earning assets | $131,227,000 | 3,499 |
| Average equity | $18,656,500 | 3,295 |
| Average total loans | $114,970,000 | 3,079 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8395% | 1,447 |
| Cost of funding earning assets | 1.1506% | 413 |
| Net interest margin | 3.6889% | 3,080 |
| Noninterest income to average assets | 1.1060% | 753 |
| Noninterest expense to average assets | 3.9806% | 546 |
| Loan and lease loss provision to assets | 1.3623% | 52 |
| Net operating income to assets | -0.5772% | 5,322 |
| Return on assets (ROA) | -0.5772% | 5,315 |
| Pretax return on assets | -0.8443% | 5,328 |
| Return on Equity (ROE) | -4.7670% | 5,315 |
| Retained earnings to average equity (ytd only) | -4.7670% | 5,239 |
| Net charge-offs to loans | 1.4400% | 79 |
| Credit loss provision to net charge-offs | 114.7959% | 2,261 |
| Earnings coverage of net charge-offs (x) | 0.4365% | 3,697 |
| Efficiency ratio | 88.4851% | 407 |
| Assets per employee ($millions) | 4.5071% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 1,654 |
| Loan loss allowance to noncurrent loans | 66.7211% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.7685% | 588 |
| Noncurrent loans to loans | 2.0933% | 634 |
| Net loans and leases to total assets | 82.5631% | 582 |
| Net loans and leases to deposits | 95.8091% | 1,092 |
| Net loans and leases to core deposits | 108.5937% | 1,079 |
| Total domestic deposits to total assets | 86.1746% | 2,141 |
| Equity capital to assets | 13.4611% | 1,158 |
| Core capital (leverage) ratio | 11.2102% | 2,341 |
| Tier 1 risk-based capital ratio | 13.7863% | 3,394 |
| Total risk-based capital ratio | 15.0376% | 3,323 |
| Memoranda: | ||
| Average total assets | $148,646,400 | 3,403 |
| Average earning assets | $136,708,600 | 3,403 |
| Average equity | $17,998,800 | 3,298 |
| Average total loans | $122,497,200 | 2,968 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7297% | 1,596 |
| Cost of funding earning assets | 1.0562% | 469 |
| Net interest margin | 3.6736% | 3,106 |
| Noninterest income to average assets | 1.0931% | 787 |
| Noninterest expense to average assets | 3.9105% | 583 |
| Loan and lease loss provision to assets | 1.5804% | 43 |
| Net operating income to assets | -0.9933% | 5,420 |
| Return on assets (ROA) | -0.9933% | 5,413 |
| Pretax return on assets | -1.0136% | 5,414 |
| Return on Equity (ROE) | -8.3666% | 5,412 |
| Retained earnings to average equity (ytd only) | -8.3666% | 5,369 |
| Net charge-offs to loans | -0.0011% | 4,018 |
| Credit loss provision to net charge-offs | -179,000.0000% | 4,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3398% | 441 |
| Assets per employee ($millions) | 4.8844% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6729% | 195 |
| Loan loss allowance to noncurrent loans | 115.6433% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.9327% | 564 |
| Noncurrent loans to loans | 2.3114% | 589 |
| Net loans and leases to total assets | 78.6226% | 1,231 |
| Net loans and leases to deposits | 89.8588% | 1,922 |
| Net loans and leases to core deposits | 103.9690% | 1,454 |
| Total domestic deposits to total assets | 87.4956% | 1,492 |
| Equity capital to assets | 12.0860% | 1,844 |
| Core capital (leverage) ratio | 10.3629% | 3,219 |
| Tier 1 risk-based capital ratio | 13.0100% | 3,899 |
| Total risk-based capital ratio | 14.2775% | 3,801 |
| Memoranda: | ||
| Average total assets | $151,009,250 | 3,408 |
| Average earning assets | $139,116,250 | 3,405 |
| Average equity | $17,928,000 | 3,325 |
| Average total loans | $123,873,500 | 2,981 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6406% | 1,665 |
| Cost of funding earning assets | 0.9936% | 480 |
| Net interest margin | 3.6470% | 3,129 |
| Noninterest income to average assets | 1.1843% | 680 |
| Noninterest expense to average assets | 3.9947% | 537 |
| Loan and lease loss provision to assets | 1.0492% | 73 |
| Net operating income to assets | -0.4695% | 5,443 |
| Return on assets (ROA) | -0.4695% | 5,437 |
| Pretax return on assets | -0.4997% | 5,436 |
| Return on Equity (ROE) | -3.9776% | 5,425 |
| Retained earnings to average equity (ytd only) | -3.9776% | 5,249 |
| Net charge-offs to loans | -0.0016% | 3,924 |
| Credit loss provision to net charge-offs | -80,000.0000% | 4,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9076% | 475 |
| Assets per employee ($millions) | 4.8080% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8154% | 734 |
| Loan loss allowance to noncurrent loans | 86.9948% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.7410% | 690 |
| Noncurrent loans to loans | 2.0868% | 694 |
| Net loans and leases to total assets | 78.8847% | 1,179 |
| Net loans and leases to deposits | 89.9910% | 1,842 |
| Net loans and leases to core deposits | 103.0221% | 1,480 |
| Total domestic deposits to total assets | 87.6583% | 1,557 |
| Equity capital to assets | 12.0297% | 1,836 |
| Core capital (leverage) ratio | 10.0972% | 3,484 |
| Tier 1 risk-based capital ratio | 12.9603% | 3,912 |
| Total risk-based capital ratio | 14.2173% | 3,831 |
| Memoranda: | ||
| Average total assets | $152,501,330 | 3,403 |
| Average earning assets | $140,499,670 | 3,406 |
| Average equity | $18,000,670 | 3,329 |
| Average total loans | $125,707,330 | 2,973 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 1,830 |
| Cost of funding earning assets | 0.8935% | 615 |
| Net interest margin | 3.6189% | 3,109 |
| Noninterest income to average assets | 1.2553% | 589 |
| Noninterest expense to average assets | 3.9292% | 570 |
| Loan and lease loss provision to assets | 0.3112% | 412 |
| Net operating income to assets | 0.1764% | 5,271 |
| Return on assets (ROA) | 0.1764% | 5,266 |
| Pretax return on assets | 0.3553% | 5,092 |
| Return on Equity (ROE) | 1.5081% | 5,249 |
| Retained earnings to average equity (ytd only) | 1.5081% | 4,485 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4966% | 680 |
| Assets per employee ($millions) | 4.4871% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 2,911 |
| Loan loss allowance to noncurrent loans | 52.0572% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.8873% | 631 |
| Noncurrent loans to loans | 2.2733% | 640 |
| Net loans and leases to total assets | 79.3816% | 1,023 |
| Net loans and leases to deposits | 90.6037% | 1,616 |
| Net loans and leases to core deposits | 105.2575% | 1,296 |
| Total domestic deposits to total assets | 87.6141% | 1,842 |
| Equity capital to assets | 11.5276% | 2,108 |
| Core capital (leverage) ratio | 10.2465% | 3,246 |
| Tier 1 risk-based capital ratio | 12.4406% | 4,284 |
| Total risk-based capital ratio | 13.6345% | 4,211 |
| Memoranda: | ||
| Average total assets | $154,228,000 | 3,422 |
| Average earning assets | $142,363,000 | 3,418 |
| Average equity | $18,036,000 | 3,352 |
| Average total loans | $128,686,000 | 2,950 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5421% | 1,583 |
| Cost of funding earning assets | 0.7926% | 647 |
| Net interest margin | 3.7495% | 2,606 |
| Noninterest income to average assets | 1.5335% | 450 |
| Noninterest expense to average assets | 3.9454% | 579 |
| Loan and lease loss provision to assets | 0.4405% | 316 |
| Net operating income to assets | 0.4240% | 4,615 |
| Return on assets (ROA) | 0.4240% | 4,638 |
| Pretax return on assets | 0.6134% | 4,715 |
| Return on Equity (ROE) | 3.9090% | 4,531 |
| Retained earnings to average equity (ytd only) | 1.4659% | 4,419 |
| Net charge-offs to loans | 0.1107% | 1,959 |
| Credit loss provision to net charge-offs | 468.3099% | 667 |
| Earnings coverage of net charge-offs (x) | 11.2042% | 2,595 |
| Efficiency ratio | 78.9188% | 1,233 |
| Assets per employee ($millions) | 5.0444% | 2,426 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,712 |
| Loan loss allowance to noncurrent loans | 43.5815% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 2.1225% | 508 |
| Noncurrent loans to loans | 2.3748% | 586 |
| Net loans and leases to total assets | 85.8061% | 270 |
| Net loans and leases to deposits | 98.2871% | 880 |
| Net loans and leases to core deposits | 112.9294% | 843 |
| Total domestic deposits to total assets | 87.3015% | 1,856 |
| Equity capital to assets | 11.9650% | 1,852 |
| Core capital (leverage) ratio | 10.3564% | 3,009 |
| Tier 1 risk-based capital ratio | 11.7836% | 4,669 |
| Total risk-based capital ratio | 12.8101% | 4,709 |
| Memoranda: | ||
| Average total assets | $150,960,600 | 3,460 |
| Average earning assets | $139,539,400 | 3,458 |
| Average equity | $16,372,400 | 3,550 |
| Average total loans | $128,263,800 | 2,938 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4539% | 1,777 |
| Cost of funding earning assets | 0.7514% | 754 |
| Net interest margin | 3.7025% | 2,754 |
| Noninterest income to average assets | 1.6279% | 416 |
| Noninterest expense to average assets | 3.9804% | 531 |
| Loan and lease loss provision to assets | 0.3977% | 338 |
| Net operating income to assets | 0.5585% | 4,546 |
| Return on assets (ROA) | 0.5585% | 4,581 |
| Pretax return on assets | 0.6681% | 4,686 |
| Return on Equity (ROE) | 5.2868% | 4,418 |
| Retained earnings to average equity (ytd only) | 4.0320% | 3,524 |
| Net charge-offs to loans | 0.1662% | 1,249 |
| Credit loss provision to net charge-offs | 283.0189% | 1,036 |
| Earnings coverage of net charge-offs (x) | 7.5851% | 2,862 |
| Efficiency ratio | 78.8792% | 1,229 |
| Assets per employee ($millions) | 4.4601% | 3,222 |
| Cash dividends to net income (ytd only)* | 23.7346% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 4,739 |
| Loan loss allowance to noncurrent loans | 35.5093% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 2.0928% | 603 |
| Noncurrent loans to loans | 2.4079% | 651 |
| Net loans and leases to total assets | 83.6386% | 474 |
| Net loans and leases to deposits | 95.4087% | 1,164 |
| Net loans and leases to core deposits | 112.1790% | 920 |
| Total domestic deposits to total assets | 87.6634% | 1,538 |
| Equity capital to assets | 11.1598% | 2,705 |
| Core capital (leverage) ratio | 9.7540% | 3,876 |
| Tier 1 risk-based capital ratio | 11.1532% | 5,157 |
| Total risk-based capital ratio | 11.9975% | 5,278 |
| Memoranda: | ||
| Average total assets | $150,867,500 | 3,491 |
| Average earning assets | $139,290,250 | 3,493 |
| Average equity | $15,938,750 | 3,636 |
| Average total loans | $127,527,000 | 2,971 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4288% | 1,728 |
| Cost of funding earning assets | 0.7001% | 893 |
| Net interest margin | 3.7288% | 2,550 |
| Noninterest income to average assets | 1.4673% | 500 |
| Noninterest expense to average assets | 3.9753% | 539 |
| Loan and lease loss provision to assets | 0.3688% | 379 |
| Net operating income to assets | 0.4466% | 4,861 |
| Return on assets (ROA) | 0.4466% | 4,883 |
| Pretax return on assets | 0.5593% | 4,883 |
| Return on Equity (ROE) | 4.3122% | 4,724 |
| Retained earnings to average equity (ytd only) | 3.4057% | 3,684 |
| Net charge-offs to loans | 0.2473% | 828 |
| Credit loss provision to net charge-offs | 176.2821% | 1,377 |
| Earnings coverage of net charge-offs (x) | 4.4359% | 2,929 |
| Efficiency ratio | 81.0722% | 1,103 |
| Assets per employee ($millions) | 4.7358% | 2,742 |
| Cash dividends to net income (ytd only)* | 21.0210% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6874% | 5,240 |
| Loan loss allowance to noncurrent loans | 17.9222% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 3.2693% | 258 |
| Noncurrent loans to loans | 3.8355% | 266 |
| Net loans and leases to total assets | 83.1537% | 531 |
| Net loans and leases to deposits | 96.9787% | 985 |
| Net loans and leases to core deposits | 113.0441% | 847 |
| Total domestic deposits to total assets | 85.7444% | 2,504 |
| Equity capital to assets | 10.0916% | 3,807 |
| Core capital (leverage) ratio | 9.5882% | 4,029 |
| Tier 1 risk-based capital ratio | 10.6146% | 5,421 |
| Total risk-based capital ratio | 11.3293% | 5,554 |
| Memoranda: | ||
| Average total assets | $149,121,670 | 3,533 |
| Average earning assets | $137,418,670 | 3,535 |
| Average equity | $15,444,670 | 3,707 |
| Average total loans | $126,139,330 | 3,004 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 1,934 |
| Cost of funding earning assets | 0.6871% | 896 |
| Net interest margin | 3.6210% | 2,815 |
| Noninterest income to average assets | 1.6675% | 408 |
| Noninterest expense to average assets | 4.1134% | 471 |
| Loan and lease loss provision to assets | 0.1989% | 832 |
| Net operating income to assets | 0.5540% | 4,360 |
| Return on assets (ROA) | 0.5540% | 4,407 |
| Pretax return on assets | 0.6789% | 4,510 |
| Return on Equity (ROE) | 5.2690% | 4,270 |
| Retained earnings to average equity (ytd only) | 4.9988% | 2,896 |
| Net charge-offs to loans | 0.0401% | 2,016 |
| Credit loss provision to net charge-offs | 583.3333% | 528 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 1,329 |
| Efficiency ratio | 82.4132% | 1,120 |
| Assets per employee ($millions) | 4.5135% | 3,147 |
| Cash dividends to net income (ytd only)* | 5.1282% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7227% | 5,257 |
| Loan loss allowance to noncurrent loans | 55.7152% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.1085% | 1,603 |
| Noncurrent loans to loans | 1.2971% | 1,562 |
| Net loans and leases to total assets | 84.8434% | 303 |
| Net loans and leases to deposits | 96.3085% | 912 |
| Net loans and leases to core deposits | 114.2020% | 662 |
| Total domestic deposits to total assets | 88.0954% | 1,668 |
| Equity capital to assets | 10.7608% | 2,898 |
| Core capital (leverage) ratio | 9.3884% | 4,242 |
| Tier 1 risk-based capital ratio | 10.7314% | 5,445 |
| Total risk-based capital ratio | 11.4688% | 5,591 |
| Memoranda: | ||
| Average total assets | $140,806,500 | 3,683 |
| Average earning assets | $129,247,500 | 3,683 |
| Average equity | $14,803,500 | 3,801 |
| Average total loans | $119,817,500 | 3,109 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 1,574 |
| Cost of funding earning assets | 0.6091% | 1,282 |
| Net interest margin | 3.8774% | 2,037 |
| Noninterest income to average assets | 1.7738% | 399 |
| Noninterest expense to average assets | 4.5178% | 367 |
| Loan and lease loss provision to assets | 0.2793% | 716 |
| Net operating income to assets | 0.4933% | 4,658 |
| Return on assets (ROA) | 0.4933% | 4,735 |
| Pretax return on assets | 0.4942% | 5,035 |
| Return on Equity (ROE) | 4.6115% | 4,615 |
| Retained earnings to average equity (ytd only) | 3.9286% | 3,131 |
| Net charge-offs to loans | 0.0576% | 2,896 |
| Credit loss provision to net charge-offs | 570.1754% | 595 |
| Earnings coverage of net charge-offs (x) | 15.7895% | 2,176 |
| Efficiency ratio | 85.3825% | 868 |
| Assets per employee ($millions) | 4.2869% | 3,456 |
| Cash dividends to net income (ytd only)* | 14.8084% | 3,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6592% | 5,431 |
| Loan loss allowance to noncurrent loans | 65.7511% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 0.8573% | 2,205 |
| Noncurrent loans to loans | 1.0026% | 2,084 |
| Net loans and leases to total assets | 84.1487% | 374 |
| Net loans and leases to deposits | 95.0341% | 1,088 |
| Net loans and leases to core deposits | 113.6864% | 711 |
| Total domestic deposits to total assets | 88.5458% | 1,355 |
| Equity capital to assets | 10.2529% | 3,446 |
| Core capital (leverage) ratio | 8.8868% | 4,871 |
| Tier 1 risk-based capital ratio | 9.8897% | 5,763 |
| Total risk-based capital ratio | 10.5448% | 5,838 |
| Memoranda: | ||
| Average total assets | $116,361,200 | 4,056 |
| Average earning assets | $105,561,600 | 4,088 |
| Average equity | $12,447,200 | 4,181 |
| Average total loans | $98,935,600 | 3,407 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4923% | 1,566 |
| Cost of funding earning assets | 0.5908% | 1,404 |
| Net interest margin | 3.9015% | 1,977 |
| Noninterest income to average assets | 1.7776% | 410 |
| Noninterest expense to average assets | 4.7008% | 323 |
| Loan and lease loss provision to assets | 0.2099% | 1,005 |
| Net operating income to assets | 0.5050% | 4,682 |
| Return on assets (ROA) | 0.5050% | 4,780 |
| Pretax return on assets | 0.3994% | 5,310 |
| Return on Equity (ROE) | 4.6611% | 4,661 |
| Retained earnings to average equity (ytd only) | 3.9968% | 3,462 |
| Net charge-offs to loans | -0.0042% | 4,588 |
| Credit loss provision to net charge-offs | -5,833.3333% | 5,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5250% | 645 |
| Assets per employee ($millions) | 3.8721% | 4,181 |
| Cash dividends to net income (ytd only)* | 14.2521% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6278% | 5,565 |
| Loan loss allowance to noncurrent loans | 143.1290% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 3,859 |
| Noncurrent loans to loans | 0.4386% | 3,711 |
| Net loans and leases to total assets | 86.4873% | 220 |
| Net loans and leases to deposits | 97.9114% | 861 |
| Net loans and leases to core deposits | 116.2213% | 652 |
| Total domestic deposits to total assets | 88.3323% | 1,223 |
| Equity capital to assets | 10.4160% | 3,652 |
| Core capital (leverage) ratio | 8.6393% | 5,223 |
| Tier 1 risk-based capital ratio | 9.8019% | 5,836 |
| Total risk-based capital ratio | 10.4423% | 5,910 |
| Memoranda: | ||
| Average total assets | $111,156,250 | 4,167 |
| Average earning assets | $100,643,500 | 4,223 |
| Average equity | $12,042,750 | 4,284 |
| Average total loans | $94,619,000 | 3,501 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 1,480 |
| Cost of funding earning assets | 0.5724% | 1,533 |
| Net interest margin | 3.9383% | 1,843 |
| Noninterest income to average assets | 1.6500% | 460 |
| Noninterest expense to average assets | 4.8622% | 293 |
| Loan and lease loss provision to assets | 0.1310% | 1,746 |
| Net operating income to assets | 0.1890% | 5,546 |
| Return on assets (ROA) | 0.1890% | 5,600 |
| Pretax return on assets | 0.2095% | 5,611 |
| Return on Equity (ROE) | 1.7184% | 5,574 |
| Retained earnings to average equity (ytd only) | 1.0379% | 4,975 |
| Net charge-offs to loans | -0.0044% | 4,494 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4556% | 434 |
| Assets per employee ($millions) | 3.5441% | 4,683 |
| Cash dividends to net income (ytd only)* | 39.6040% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5583% | 5,739 |
| Loan loss allowance to noncurrent loans | 65.1163% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 2,742 |
| Noncurrent loans to loans | 0.8574% | 2,596 |
| Net loans and leases to total assets | 85.2868% | 310 |
| Net loans and leases to deposits | 96.4271% | 1,036 |
| Net loans and leases to core deposits | 109.3692% | 963 |
| Total domestic deposits to total assets | 88.4469% | 1,198 |
| Equity capital to assets | 10.3492% | 3,797 |
| Core capital (leverage) ratio | 8.5598% | 5,310 |
| Tier 1 risk-based capital ratio | 10.4364% | 5,698 |
| Total risk-based capital ratio | 11.0482% | 5,860 |
| Memoranda: | ||
| Average total assets | $106,906,330 | 4,292 |
| Average earning assets | $96,436,330 | 4,337 |
| Average equity | $11,755,000 | 4,358 |
| Average total loans | $90,212,000 | 3,608 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5177% | 1,461 |
| Cost of funding earning assets | 0.5505% | 1,708 |
| Net interest margin | 3.9672% | 1,719 |
| Noninterest income to average assets | 2.1476% | 309 |
| Noninterest expense to average assets | 5.1746% | 250 |
| Loan and lease loss provision to assets | 0.1963% | 1,001 |
| Net operating income to assets | 0.3691% | 5,083 |
| Return on assets (ROA) | 0.3691% | 5,161 |
| Pretax return on assets | 0.3416% | 5,421 |
| Return on Equity (ROE) | 3.2468% | 5,144 |
| Retained earnings to average equity (ytd only) | 2.5560% | 4,222 |
| Net charge-offs to loans | -0.0047% | 4,275 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5842% | 636 |
| Assets per employee ($millions) | 2.9434% | 5,557 |
| Cash dividends to net income (ytd only)* | 21.2766% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6057% | 5,735 |
| Loan loss allowance to noncurrent loans | 93.0314% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 3,444 |
| Noncurrent loans to loans | 0.6511% | 3,219 |
| Net loans and leases to total assets | 82.6938% | 481 |
| Net loans and leases to deposits | 94.2254% | 1,126 |
| Net loans and leases to core deposits | 105.8824% | 1,083 |
| Total domestic deposits to total assets | 87.7617% | 1,772 |
| Equity capital to assets | 10.9643% | 2,980 |
| Core capital (leverage) ratio | 9.1797% | 4,621 |
| Tier 1 risk-based capital ratio | 10.9237% | 5,538 |
| Total risk-based capital ratio | 11.5675% | 5,747 |
| Memoranda: | ||
| Average total assets | $101,881,500 | 4,432 |
| Average earning assets | $91,551,000 | 4,467 |
| Average equity | $11,580,500 | 4,403 |
| Average total loans | $85,164,000 | 3,720 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7482% | 1,013 |
| Cost of funding earning assets | 0.5048% | 2,119 |
| Net interest margin | 4.2434% | 1,075 |
| Noninterest income to average assets | 1.1523% | 891 |
| Noninterest expense to average assets | 4.4930% | 416 |
| Loan and lease loss provision to assets | 0.2685% | 686 |
| Net operating income to assets | 0.2068% | 5,556 |
| Return on assets (ROA) | 0.1831% | 5,662 |
| Pretax return on assets | 0.1379% | 5,768 |
| Return on Equity (ROE) | 1.5754% | 5,668 |
| Retained earnings to average equity (ytd only) | 1.0443% | 5,101 |
| Net charge-offs to loans | 0.4334% | 642 |
| Credit loss provision to net charge-offs | 75.6522% | 3,028 |
| Earnings coverage of net charge-offs (x) | 1.2116% | 4,126 |
| Efficiency ratio | 91.2644% | 613 |
| Assets per employee ($millions) | 2.5737% | 5,857 |
| Cash dividends to net income (ytd only)* | 33.7079% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5854% | 5,814 |
| Loan loss allowance to noncurrent loans | 82.0819% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 3,283 |
| Noncurrent loans to loans | 0.7132% | 3,046 |
| Net loans and leases to total assets | 83.5257% | 432 |
| Net loans and leases to deposits | 96.0516% | 1,003 |
| Net loans and leases to core deposits | 109.1938% | 908 |
| Total domestic deposits to total assets | 86.9592% | 2,159 |
| Equity capital to assets | 11.8025% | 2,108 |
| Core capital (leverage) ratio | 10.0496% | 3,440 |
| Tier 1 risk-based capital ratio | 11.6630% | 5,155 |
| Total risk-based capital ratio | 12.2820% | 5,403 |
| Memoranda: | ||
| Average total assets | $97,195,000 | 4,513 |
| Average earning assets | $86,369,600 | 4,580 |
| Average equity | $11,299,000 | 4,427 |
| Average total loans | $79,603,600 | 3,838 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8528% | 851 |
| Cost of funding earning assets | 0.5122% | 2,100 |
| Net interest margin | 4.3406% | 887 |
| Noninterest income to average assets | 0.8669% | 1,561 |
| Noninterest expense to average assets | 4.2564% | 511 |
| Loan and lease loss provision to assets | 0.1058% | 2,102 |
| Net operating income to assets | 0.2952% | 5,465 |
| Return on assets (ROA) | 0.2693% | 5,612 |
| Pretax return on assets | 0.3270% | 5,602 |
| Return on Equity (ROE) | 2.3254% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.0881% | 4,837 |
| Net charge-offs to loans | 0.0084% | 3,871 |
| Credit loss provision to net charge-offs | 1,540.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 67.5652% | 835 |
| Efficiency ratio | 90.1630% | 689 |
| Assets per employee ($millions) | 2.7387% | 5,811 |
| Cash dividends to net income (ytd only)* | 10.2055% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8085% | 5,495 |
| Loan loss allowance to noncurrent loans | 123.5529% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5456% | 3,668 |
| Noncurrent loans to loans | 0.6544% | 3,366 |
| Net loans and leases to total assets | 81.5520% | 630 |
| Net loans and leases to deposits | 94.6209% | 1,124 |
| Net loans and leases to core deposits | 108.4503% | 959 |
| Total domestic deposits to total assets | 86.1882% | 2,449 |
| Equity capital to assets | 12.4565% | 1,766 |
| Core capital (leverage) ratio | 9.2247% | 4,696 |
| Tier 1 risk-based capital ratio | 12.5665% | 4,708 |
| Total risk-based capital ratio | 13.4202% | 4,883 |
| Memoranda: | ||
| Average total assets | $97,043,500 | 4,565 |
| Average earning assets | $86,161,000 | 4,636 |
| Average equity | $11,238,000 | 4,489 |
| Average total loans | $78,962,000 | 3,895 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7648% | 960 |
| Cost of funding earning assets | 0.4926% | 2,321 |
| Net interest margin | 4.2722% | 976 |
| Noninterest income to average assets | 0.5429% | 3,088 |
| Noninterest expense to average assets | 4.1016% | 605 |
| Loan and lease loss provision to assets | 0.0590% | 2,921 |
| Net operating income to assets | 0.1895% | 5,724 |
| Return on assets (ROA) | 0.1932% | 5,772 |
| Pretax return on assets | 0.2135% | 5,791 |
| Return on Equity (ROE) | 1.7090% | 5,755 |
| Retained earnings to average equity (ytd only) | 1.5291% | 4,935 |
| Net charge-offs to loans | 0.0176% | 3,352 |
| Credit loss provision to net charge-offs | 414.2857% | 727 |
| Earnings coverage of net charge-offs (x) | 18.8571% | 1,784 |
| Efficiency ratio | 93.8576% | 524 |
| Assets per employee ($millions) | 3.1104% | 5,454 |
| Cash dividends to net income (ytd only)* | 10.5263% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6624% | 5,878 |
| Loan loss allowance to noncurrent loans | 122.5532% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4690% | 4,057 |
| Noncurrent loans to loans | 0.5405% | 3,834 |
| Net loans and leases to total assets | 81.6873% | 584 |
| Net loans and leases to deposits | 92.7705% | 1,275 |
| Net loans and leases to core deposits | 105.5045% | 1,100 |
| Total domestic deposits to total assets | 88.0532% | 1,624 |
| Equity capital to assets | 10.8745% | 3,019 |
| Core capital (leverage) ratio | 9.5389% | 4,230 |
| Tier 1 risk-based capital ratio | 12.2291% | 4,976 |
| Total risk-based capital ratio | 13.0117% | 5,212 |
| Memoranda: | ||
| Average total assets | $98,352,670 | 4,580 |
| Average earning assets | $88,104,670 | 4,636 |
| Average equity | $11,117,670 | 4,543 |
| Average total loans | $79,763,670 | 3,893 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9076% | 686 |
| Cost of funding earning assets | 0.5111% | 2,189 |
| Net interest margin | 4.3965% | 737 |
| Noninterest income to average assets | 0.5240% | 3,130 |
| Noninterest expense to average assets | 4.1457% | 587 |
| Loan and lease loss provision to assets | 0.0718% | 2,503 |
| Net operating income to assets | 0.1352% | 5,819 |
| Return on assets (ROA) | 0.1352% | 5,885 |
| Pretax return on assets | 0.2324% | 5,782 |
| Return on Equity (ROE) | 1.1715% | 5,879 |
| Retained earnings to average equity (ytd only) | 0.8054% | 5,134 |
| Net charge-offs to loans | -0.0105% | 4,738 |
| Credit loss provision to net charge-offs | -850.0000% | 4,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1624% | 639 |
| Assets per employee ($millions) | 2.9721% | 5,706 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 5,823 |
| Loan loss allowance to noncurrent loans | 88.8889% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 3,366 |
| Noncurrent loans to loans | 0.8363% | 3,153 |
| Net loans and leases to total assets | 80.8605% | 585 |
| Net loans and leases to deposits | 94.8729% | 905 |
| Net loans and leases to core deposits | 99.1504% | 1,380 |
| Total domestic deposits to total assets | 85.2303% | 3,293 |
| Equity capital to assets | 12.0286% | 2,006 |
| Core capital (leverage) ratio | 9.8385% | 3,838 |
| Tier 1 risk-based capital ratio | 12.4531% | 4,939 |
| Total risk-based capital ratio | 13.2558% | 5,130 |
| Memoranda: | ||
| Average total assets | $94,653,000 | 4,702 |
| Average earning assets | $84,522,000 | 4,759 |
| Average equity | $10,926,500 | 4,611 |
| Average total loans | $76,164,500 | 4,015 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0735% | 670 |
| Cost of funding earning assets | 0.5337% | 2,344 |
| Net interest margin | 4.5398% | 695 |
| Noninterest income to average assets | 0.6123% | 2,786 |
| Noninterest expense to average assets | 3.8706% | 887 |
| Loan and lease loss provision to assets | 0.3796% | 488 |
| Net operating income to assets | 0.4186% | 5,158 |
| Return on assets (ROA) | 0.3468% | 5,455 |
| Pretax return on assets | 0.3785% | 5,536 |
| Return on Equity (ROE) | 3.1528% | 5,423 |
| Retained earnings to average equity (ytd only) | 3.1528% | 3,993 |
| Net charge-offs to loans | 0.0055% | 4,824 |
| Credit loss provision to net charge-offs | 8,400.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 185.0000% | 290 |
| Efficiency ratio | 82.2372% | 1,637 |
| Assets per employee ($millions) | 3.0387% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7415% | 5,905 |
| Loan loss allowance to noncurrent loans | 100.5435% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6136% | 3,747 |
| Noncurrent loans to loans | 0.7375% | 3,477 |
| Net loans and leases to total assets | 78.8692% | 895 |
| Net loans and leases to deposits | 90.9251% | 1,409 |
| Net loans and leases to core deposits | 94.9857% | 1,816 |
| Total domestic deposits to total assets | 86.7408% | 2,426 |
| Equity capital to assets | 11.0543% | 2,845 |
| Core capital (leverage) ratio | 8.2199% | 5,841 |
| Tier 1 risk-based capital ratio | 11.7371% | 5,521 |
| Total risk-based capital ratio | 12.5869% | 5,669 |
| Memoranda: | ||
| Average total assets | $88,513,200 | 4,880 |
| Average earning assets | $79,826,800 | 4,891 |
| Average equity | $9,737,400 | 4,805 |
| Average total loans | $72,090,800 | 4,121 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8647% | 1,001 |
| Cost of funding earning assets | 0.5275% | 2,492 |
| Net interest margin | 4.3372% | 979 |
| Noninterest income to average assets | 0.6338% | 2,659 |
| Noninterest expense to average assets | 3.8135% | 956 |
| Loan and lease loss provision to assets | 0.3001% | 656 |
| Net operating income to assets | 0.4700% | 4,992 |
| Return on assets (ROA) | 0.3644% | 5,457 |
| Pretax return on assets | 0.3291% | 5,719 |
| Return on Equity (ROE) | 3.3164% | 5,425 |
| Retained earnings to average equity (ytd only) | 3.3164% | 4,260 |
| Net charge-offs to loans | 0.0037% | 4,569 |
| Credit loss provision to net charge-offs | 9,800.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 239.6929% | 279 |
| Efficiency ratio | 83.8438% | 1,406 |
| Assets per employee ($millions) | 2.9811% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5250% | 6,307 |
| Loan loss allowance to noncurrent loans | 60.6105% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 3,567 |
| Noncurrent loans to loans | 0.8662% | 3,400 |
| Net loans and leases to total assets | 82.8260% | 429 |
| Net loans and leases to deposits | 94.9834% | 960 |
| Net loans and leases to core deposits | 98.7675% | 1,468 |
| Total domestic deposits to total assets | 87.2005% | 2,198 |
| Equity capital to assets | 10.5898% | 3,444 |
| Core capital (leverage) ratio | 8.2771% | 5,857 |
| Tier 1 risk-based capital ratio | 10.3115% | 6,260 |
| Total risk-based capital ratio | 10.8962% | 6,388 |
| Memoranda: | ||
| Average total assets | $87,091,750 | 4,960 |
| Average earning assets | $78,605,750 | 4,967 |
| Average equity | $9,568,500 | 4,883 |
| Average total loans | $71,401,250 | 4,179 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8647% | 972 |
| Cost of funding earning assets | 0.5355% | 2,484 |
| Net interest margin | 4.3292% | 972 |
| Noninterest income to average assets | 0.6546% | 2,515 |
| Noninterest expense to average assets | 3.8755% | 878 |
| Loan and lease loss provision to assets | 0.4174% | 400 |
| Net operating income to assets | 0.4151% | 5,157 |
| Return on assets (ROA) | 0.4151% | 5,237 |
| Pretax return on assets | 0.2538% | 5,864 |
| Return on Equity (ROE) | 3.7271% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.7271% | 3,823 |
| Net charge-offs to loans | 0.0058% | 4,178 |
| Credit loss provision to net charge-offs | 8,800.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 141.5000% | 430 |
| Efficiency ratio | 85.2374% | 1,350 |
| Assets per employee ($millions) | 3.2287% | 5,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5130% | 6,397 |
| Loan loss allowance to noncurrent loans | 64.1357% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 3,923 |
| Noncurrent loans to loans | 0.7999% | 3,703 |
| Net loans and leases to total assets | 82.2272% | 451 |
| Net loans and leases to deposits | 94.4026% | 933 |
| Net loans and leases to core deposits | 97.6746% | 1,465 |
| Total domestic deposits to total assets | 87.1027% | 2,400 |
| Equity capital to assets | 10.1237% | 3,943 |
| Core capital (leverage) ratio | 8.1679% | 5,962 |
| Tier 1 risk-based capital ratio | 10.2631% | 6,317 |
| Total risk-based capital ratio | 10.8643% | 6,460 |
| Memoranda: | ||
| Average total assets | $84,324,330 | 5,053 |
| Average earning assets | $75,811,000 | 5,080 |
| Average equity | $9,390,670 | 4,936 |
| Average total loans | $68,725,670 | 4,277 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1020% | 592 |
| Cost of funding earning assets | 0.5544% | 2,388 |
| Net interest margin | 4.5475% | 607 |
| Noninterest income to average assets | 0.5724% | 2,901 |
| Noninterest expense to average assets | 3.9563% | 799 |
| Loan and lease loss provision to assets | 0.3113% | 607 |
| Net operating income to assets | 0.7882% | 3,209 |
| Return on assets (ROA) | 0.7882% | 3,287 |
| Pretax return on assets | 0.3816% | 5,509 |
| Return on Equity (ROE) | 6.7191% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.7191% | 2,184 |
| Net charge-offs to loans | 0.0124% | 3,359 |
| Credit loss provision to net charge-offs | 3,100.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 597 |
| Efficiency ratio | 85.0972% | 1,534 |
| Assets per employee ($millions) | 2.9395% | 5,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4268% | 6,547 |
| Loan loss allowance to noncurrent loans | 62.6106% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5808% | 4,408 |
| Noncurrent loans to loans | 0.6816% | 4,162 |
| Net loans and leases to total assets | 80.2238% | 524 |
| Net loans and leases to deposits | 91.9996% | 956 |
| Net loans and leases to core deposits | 96.0589% | 1,380 |
| Total domestic deposits to total assets | 87.2002% | 2,702 |
| Equity capital to assets | 11.4755% | 2,275 |
| Core capital (leverage) ratio | 8.8524% | 5,196 |
| Tier 1 risk-based capital ratio | 11.1519% | 6,096 |
| Total risk-based capital ratio | 11.6198% | 6,334 |
| Memoranda: | ||
| Average total assets | $79,670,500 | 5,213 |
| Average earning assets | $71,423,500 | 5,245 |
| Average equity | $9,346,500 | 4,965 |
| Average total loans | $64,394,500 | 4,446 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0539% | 825 |
| Cost of funding earning assets | 0.5706% | 2,920 |
| Net interest margin | 4.4833% | 760 |
| Noninterest income to average assets | 0.4152% | 4,340 |
| Noninterest expense to average assets | 4.3199% | 616 |
| Loan and lease loss provision to assets | 0.1607% | 2,271 |
| Net operating income to assets | -0.0654% | 6,267 |
| Return on assets (ROA) | -0.0882% | 6,308 |
| Pretax return on assets | -0.0882% | 6,278 |
| Return on Equity (ROE) | -0.7107% | 6,306 |
| Retained earnings to average equity (ytd only) | -0.7107% | 6,013 |
| Net charge-offs to loans | -0.0019% | 5,846 |
| Credit loss provision to net charge-offs | -11,300.0000% | 6,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1031% | 634 |
| Assets per employee ($millions) | 2.8531% | 6,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3569% | 6,663 |
| Loan loss allowance to noncurrent loans | 45.6967% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 4,245 |
| Noncurrent loans to loans | 0.7811% | 4,022 |
| Net loans and leases to total assets | 80.8126% | 516 |
| Net loans and leases to deposits | 93.3623% | 924 |
| Net loans and leases to core deposits | 96.9673% | 1,387 |
| Total domestic deposits to total assets | 86.5581% | 2,966 |
| Equity capital to assets | 12.0049% | 1,805 |
| Core capital (leverage) ratio | 9.6407% | 4,065 |
| Tier 1 risk-based capital ratio | 11.5120% | 5,896 |
| Total risk-based capital ratio | 11.8975% | 6,268 |
| Memoranda: | ||
| Average total assets | $70,325,000 | 5,470 |
| Average earning assets | $62,743,600 | 5,514 |
| Average equity | $8,723,800 | 5,155 |
| Average total loans | $52,327,800 | 4,872 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0042% | 935 |
| Cost of funding earning assets | 0.5855% | 2,942 |
| Net interest margin | 4.4187% | 858 |
| Noninterest income to average assets | 0.4253% | 4,328 |
| Noninterest expense to average assets | 4.3273% | 613 |
| Loan and lease loss provision to assets | 0.1612% | 2,241 |
| Net operating income to assets | -0.1204% | 6,403 |
| Return on assets (ROA) | -0.1204% | 6,434 |
| Pretax return on assets | -0.1204% | 6,415 |
| Return on Equity (ROE) | -0.9620% | 6,423 |
| Retained earnings to average equity (ytd only) | -0.9620% | 6,130 |
| Net charge-offs to loans | 0.0107% | 4,932 |
| Credit loss provision to net charge-offs | 2,075.0000% | 157 |
| Earnings coverage of net charge-offs (x) | 5.2533% | 3,242 |
| Efficiency ratio | 97.2877% | 559 |
| Assets per employee ($millions) | 2.5600% | 6,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3674% | 6,740 |
| Loan loss allowance to noncurrent loans | 40.3433% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 4,326 |
| Noncurrent loans to loans | 0.9106% | 3,999 |
| Net loans and leases to total assets | 73.7634% | 1,323 |
| Net loans and leases to deposits | 85.9783% | 1,621 |
| Net loans and leases to core deposits | 89.7230% | 2,001 |
| Total domestic deposits to total assets | 85.7930% | 3,358 |
| Equity capital to assets | 12.6199% | 1,518 |
| Core capital (leverage) ratio | 9.1339% | 4,914 |
| Tier 1 risk-based capital ratio | 12.9696% | 5,146 |
| Total risk-based capital ratio | 13.3664% | 5,643 |
| Memoranda: | ||
| Average total assets | $68,647,500 | 5,576 |
| Average earning assets | $61,253,750 | 5,620 |
| Average equity | $8,592,750 | 5,239 |
| Average total loans | $49,790,500 | 5,016 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8213% | 1,286 |
| Cost of funding earning assets | 0.5770% | 3,149 |
| Net interest margin | 4.2443% | 1,156 |
| Noninterest income to average assets | 0.4088% | 4,460 |
| Noninterest expense to average assets | 4.3393% | 605 |
| Loan and lease loss provision to assets | 0.1460% | 2,513 |
| Net operating income to assets | -0.2745% | 6,535 |
| Return on assets (ROA) | -0.2745% | 6,564 |
| Pretax return on assets | -0.2745% | 6,537 |
| Return on Equity (ROE) | -2.1990% | 6,533 |
| Retained earnings to average equity (ytd only) | -2.1990% | 6,213 |
| Net charge-offs to loans | 0.0405% | 4,110 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | -4.4000% | 4,822 |
| Efficiency ratio | 101.1789% | 450 |
| Assets per employee ($millions) | 2.5703% | 6,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2642% | 6,816 |
| Loan loss allowance to noncurrent loans | 34.4907% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 4,803 |
| Noncurrent loans to loans | 0.7659% | 4,386 |
| Net loans and leases to total assets | 75.4756% | 1,043 |
| Net loans and leases to deposits | 86.9776% | 1,462 |
| Net loans and leases to core deposits | 90.0719% | 1,901 |
| Total domestic deposits to total assets | 86.7759% | 2,960 |
| Equity capital to assets | 11.7618% | 2,081 |
| Core capital (leverage) ratio | 8.7696% | 5,327 |
| Tier 1 risk-based capital ratio | 14.7026% | 3,969 |
| Total risk-based capital ratio | 15.0617% | 4,522 |
| Memoranda: | ||
| Average total assets | $68,489,670 | 5,622 |
| Average earning assets | $61,352,330 | 5,656 |
| Average equity | $8,549,330 | 5,290 |
| Average total loans | $49,329,330 | 5,052 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5969% | 1,829 |
| Cost of funding earning assets | 0.5634% | 3,445 |
| Net interest margin | 4.0335% | 1,669 |
| Noninterest income to average assets | 0.4277% | 4,265 |
| Noninterest expense to average assets | 4.5154% | 528 |
| Loan and lease loss provision to assets | 0.1222% | 2,700 |
| Net operating income to assets | -0.6232% | 6,717 |
| Return on assets (ROA) | -0.6232% | 6,733 |
| Pretax return on assets | -0.6232% | 6,707 |
| Return on Equity (ROE) | -4.8338% | 6,688 |
| Retained earnings to average equity (ytd only) | -4.8338% | 6,354 |
| Net charge-offs to loans | -0.0349% | 5,968 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.4810% | 297 |
| Assets per employee ($millions) | 2.5253% | 6,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2680% | 6,897 |
| Loan loss allowance to noncurrent loans | 22.7350% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 0.8580% | 4,236 |
| Noncurrent loans to loans | 1.1787% | 3,807 |
| Net loans and leases to total assets | 72.5973% | 1,265 |
| Net loans and leases to deposits | 84.3901% | 1,549 |
| Net loans and leases to core deposits | 87.3229% | 1,974 |
| Total domestic deposits to total assets | 86.0258% | 3,516 |
| Equity capital to assets | 12.3961% | 1,777 |
| Core capital (leverage) ratio | 9.1819% | 4,594 |
| Tier 1 risk-based capital ratio | 15.8778% | 3,337 |
| Total risk-based capital ratio | 16.2481% | 3,800 |
| Memoranda: | ||
| Average total assets | $65,465,500 | 5,756 |
| Average earning assets | $58,213,000 | 5,796 |
| Average equity | $8,440,500 | 5,375 |
| Average total loans | $45,790,500 | 5,221 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9575% | 1,667 |
| Cost of funding earning assets | 0.6026% | 4,326 |
| Net interest margin | 4.3549% | 1,269 |
| Noninterest income to average assets | 0.6138% | 3,209 |
| Noninterest expense to average assets | 4.2083% | 757 |
| Loan and lease loss provision to assets | 0.3809% | 1,719 |
| Net operating income to assets | -0.0090% | 6,182 |
| Return on assets (ROA) | 0.0379% | 6,249 |
| Pretax return on assets | 0.0379% | 6,236 |
| Return on Equity (ROE) | 0.3240% | 6,257 |
| Retained earnings to average equity (ytd only) | -8.0692% | 6,575 |
| Net charge-offs to loans | 0.0028% | 5,946 |
| Credit loss provision to net charge-offs | 21,100.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 206.0000% | 209 |
| Efficiency ratio | 91.8802% | 928 |
| Assets per employee ($millions) | 2.6145% | 6,526 |
| Cash dividends to net income (ytd only)* | 2,590.4762% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2598% | 6,953 |
| Loan loss allowance to noncurrent loans | 12.7336% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 1.3642% | 3,355 |
| Noncurrent loans to loans | 2.0406% | 2,653 |
| Net loans and leases to total assets | 66.6794% | 2,424 |
| Net loans and leases to deposits | 78.6126% | 2,447 |
| Net loans and leases to core deposits | 79.5997% | 3,064 |
| Total domestic deposits to total assets | 84.8202% | 3,936 |
| Equity capital to assets | 13.4331% | 1,255 |
| Core capital (leverage) ratio | 10.7488% | 2,495 |
| Tier 1 risk-based capital ratio | 16.1309% | 3,086 |
| Total risk-based capital ratio | 16.4382% | 3,567 |
| Memoranda: | ||
| Average total assets | $55,391,000 | 6,037 |
| Average earning assets | $50,449,200 | 6,032 |
| Average equity | $6,481,400 | 5,897 |
| Average total loans | $35,261,800 | 5,709 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0880% | 1,455 |
| Cost of funding earning assets | 0.6313% | 4,352 |
| Net interest margin | 4.4568% | 1,082 |
| Noninterest income to average assets | 0.6648% | 2,904 |
| Noninterest expense to average assets | 3.9288% | 1,036 |
| Loan and lease loss provision to assets | 0.2838% | 2,299 |
| Net operating income to assets | 0.5303% | 4,709 |
| Return on assets (ROA) | 0.5527% | 4,867 |
| Pretax return on assets | 0.5527% | 5,292 |
| Return on Equity (ROE) | 4.9377% | 4,847 |
| Retained earnings to average equity (ytd only) | -7.1619% | 6,722 |
| Net charge-offs to loans | 0.0397% | 5,094 |
| Credit loss provision to net charge-offs | 1,140.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 32.7074% | 1,019 |
| Efficiency ratio | 82.8346% | 1,723 |
| Assets per employee ($millions) | 2.2151% | 6,912 |
| Cash dividends to net income (ytd only)* | 245.0488% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0083% | 7,118 |
| Loan loss allowance to noncurrent loans | 0.5199% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 1.1286% | 4,032 |
| Noncurrent loans to loans | 1.5926% | 3,399 |
| Net loans and leases to total assets | 65.4177% | 2,752 |
| Net loans and leases to deposits | 77.8121% | 2,691 |
| Net loans and leases to core deposits | 78.9294% | 3,336 |
| Total domestic deposits to total assets | 84.0713% | 4,180 |
| Equity capital to assets | 13.7925% | 1,235 |
| Core capital (leverage) ratio | 9.1609% | 4,815 |
| Tier 1 risk-based capital ratio | 14.7019% | 4,045 |
| Total risk-based capital ratio | 14.7109% | 4,864 |
| Memoranda: | ||
| Average total assets | $53,551,750 | 6,169 |
| Average earning assets | $49,002,500 | 6,162 |
| Average equity | $5,994,500 | 6,093 |
| Average total loans | $33,590,000 | 5,848 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1796% | 1,311 |
| Cost of funding earning assets | 0.6500% | 4,441 |
| Net interest margin | 4.5296% | 942 |
| Noninterest income to average assets | 0.6800% | 2,772 |
| Noninterest expense to average assets | 3.5812% | 1,616 |
| Loan and lease loss provision to assets | 0.4307% | 1,514 |
| Net operating income to assets | 0.8537% | 3,118 |
| Return on assets (ROA) | 0.8840% | 3,242 |
| Pretax return on assets | 0.8840% | 4,140 |
| Return on Equity (ROE) | 8.5924% | 2,982 |
| Retained earnings to average equity (ytd only) | -7.7111% | 6,753 |
| Net charge-offs to loans | 0.0795% | 4,353 |
| Credit loss provision to net charge-offs | 876.9231% | 371 |
| Earnings coverage of net charge-offs (x) | 26.1538% | 1,177 |
| Efficiency ratio | 73.6025% | 3,142 |
| Assets per employee ($millions) | 2.5445% | 6,716 |
| Cash dividends to net income (ytd only)* | 189.7436% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 4,144 |
| Loan loss allowance to noncurrent loans | 49.1658% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 2.0473% | 2,725 |
| Noncurrent loans to loans | 2.9979% | 1,977 |
| Net loans and leases to total assets | 62.6724% | 3,292 |
| Net loans and leases to deposits | 71.4356% | 3,692 |
| Net loans and leases to core deposits | 72.4525% | 4,248 |
| Total domestic deposits to total assets | 87.7328% | 2,314 |
| Equity capital to assets | 9.7633% | 4,680 |
| Core capital (leverage) ratio | 8.2136% | 6,035 |
| Tier 1 risk-based capital ratio | 13.2682% | 4,988 |
| Total risk-based capital ratio | 14.5216% | 4,952 |
| Memoranda: | ||
| Average total assets | $52,943,000 | 6,231 |
| Average earning assets | $48,922,330 | 6,200 |
| Average equity | $5,446,670 | 6,254 |
| Average total loans | $32,710,000 | 5,920 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2249% | 1,263 |
| Cost of funding earning assets | 0.6694% | 4,539 |
| Net interest margin | 4.5554% | 901 |
| Noninterest income to average assets | 0.6983% | 2,669 |
| Noninterest expense to average assets | 3.8560% | 1,122 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0779% | 2,176 |
| Return on assets (ROA) | 1.1386% | 2,112 |
| Pretax return on assets | 1.1386% | 3,170 |
| Return on Equity (ROE) | 10.7885% | 2,111 |
| Retained earnings to average equity (ytd only) | 5.3942% | 3,316 |
| Net charge-offs to loans | 0.0748% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,086 |
| Efficiency ratio | 78.1538% | 2,473 |
| Assets per employee ($millions) | 2.6688% | 6,677 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 5,538 |
| Loan loss allowance to noncurrent loans | 50.9702% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 1.5887% | 3,469 |
| Noncurrent loans to loans | 2.3345% | 2,770 |
| Net loans and leases to total assets | 61.2972% | 3,393 |
| Net loans and leases to deposits | 70.0615% | 3,729 |
| Net loans and leases to core deposits | 71.0627% | 4,285 |
| Total domestic deposits to total assets | 87.4906% | 2,657 |
| Equity capital to assets | 10.4841% | 3,508 |
| Core capital (leverage) ratio | 8.8424% | 5,078 |
| Tier 1 risk-based capital ratio | 14.1520% | 4,356 |
| Total risk-based capital ratio | 15.3770% | 4,342 |
| Memoranda: | ||
| Average total assets | $52,697,000 | 6,279 |
| Average earning assets | $48,996,500 | 6,241 |
| Average equity | $5,561,500 | 6,256 |
| Average total loans | $32,070,000 | 6,005 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6315% | 898 |
| Cost of funding earning assets | 0.8274% | 4,647 |
| Net interest margin | 4.8040% | 617 |
| Noninterest income to average assets | 0.8920% | 1,703 |
| Noninterest expense to average assets | 3.8644% | 1,232 |
| Loan and lease loss provision to assets | 0.2455% | 3,755 |
| Net operating income to assets | 1.1886% | 1,533 |
| Return on assets (ROA) | 1.2663% | 1,435 |
| Pretax return on assets | 1.2663% | 2,251 |
| Return on Equity (ROE) | 11.4253% | 1,579 |
| Retained earnings to average equity (ytd only) | 1.3659% | 5,207 |
| Net charge-offs to loans | 0.2758% | 4,046 |
| Credit loss provision to net charge-offs | 133.3333% | 2,274 |
| Earnings coverage of net charge-offs (x) | 7.7889% | 2,260 |
| Efficiency ratio | 72.9344% | 3,405 |
| Assets per employee ($millions) | 2.4770% | 6,854 |
| Cash dividends to net income (ytd only)* | 88.0452% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 4,964 |
| Loan loss allowance to noncurrent loans | 89.6861% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.0227% | 4,571 |
| Noncurrent loans to loans | 1.4374% | 4,008 |
| Net loans and leases to total assets | 58.8796% | 4,215 |
| Net loans and leases to deposits | 67.4388% | 4,523 |
| Net loans and leases to core deposits | 69.2017% | 4,883 |
| Total domestic deposits to total assets | 87.3082% | 2,578 |
| Equity capital to assets | 10.6252% | 3,392 |
| Core capital (leverage) ratio | 8.9513% | 4,859 |
| Tier 1 risk-based capital ratio | 14.7288% | 3,812 |
| Total risk-based capital ratio | 15.9787% | 3,790 |
| Memoranda: | ||
| Average total assets | $48,881,600 | 6,394 |
| Average earning assets | $44,837,400 | 6,365 |
| Average equity | $5,417,800 | 6,319 |
| Average total loans | $32,626,800 | 6,035 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7524% | 771 |
| Cost of funding earning assets | 0.8582% | 4,717 |
| Net interest margin | 4.8942% | 514 |
| Noninterest income to average assets | 0.8843% | 1,707 |
| Noninterest expense to average assets | 3.8809% | 1,185 |
| Loan and lease loss provision to assets | 0.2495% | 3,511 |
| Net operating income to assets | 1.2280% | 1,582 |
| Return on assets (ROA) | 1.3361% | 1,383 |
| Pretax return on assets | 1.3361% | 2,165 |
| Return on Equity (ROE) | 11.9219% | 1,569 |
| Retained earnings to average equity (ytd only) | -0.9893% | 6,153 |
| Net charge-offs to loans | 0.3391% | 3,398 |
| Credit loss provision to net charge-offs | 107.1429% | 3,086 |
| Earnings coverage of net charge-offs (x) | 6.3451% | 2,568 |
| Efficiency ratio | 72.4263% | 3,468 |
| Assets per employee ($millions) | 2.4427% | 6,948 |
| Cash dividends to net income (ytd only)* | 108.2985% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,548 |
| Loan loss allowance to noncurrent loans | 41.9643% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 1.9143% | 3,245 |
| Noncurrent loans to loans | 2.8150% | 2,472 |
| Net loans and leases to total assets | 61.3174% | 3,883 |
| Net loans and leases to deposits | 70.1738% | 4,271 |
| Net loans and leases to core deposits | 72.2532% | 4,680 |
| Total domestic deposits to total assets | 87.3794% | 2,418 |
| Equity capital to assets | 10.4879% | 3,723 |
| Core capital (leverage) ratio | 8.9520% | 5,011 |
| Tier 1 risk-based capital ratio | 14.2107% | 4,190 |
| Total risk-based capital ratio | 15.4368% | 4,180 |
| Memoranda: | ||
| Average total assets | $48,097,500 | 6,475 |
| Average earning assets | $43,969,000 | 6,448 |
| Average equity | $5,390,500 | 6,371 |
| Average total loans | $33,026,500 | 6,071 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8982% | 583 |
| Cost of funding earning assets | 0.8859% | 4,786 |
| Net interest margin | 5.0123% | 387 |
| Noninterest income to average assets | 0.9228% | 1,569 |
| Noninterest expense to average assets | 3.9591% | 1,109 |
| Loan and lease loss provision to assets | 0.2552% | 3,361 |
| Net operating income to assets | 1.2800% | 1,368 |
| Return on assets (ROA) | 1.2843% | 1,423 |
| Pretax return on assets | 1.2843% | 2,185 |
| Return on Equity (ROE) | 11.1976% | 1,726 |
| Retained earnings to average equity (ytd only) | -4.9314% | 6,562 |
| Net charge-offs to loans | 0.3650% | 3,092 |
| Credit loss provision to net charge-offs | 98.3607% | 3,206 |
| Earnings coverage of net charge-offs (x) | 5.9180% | 2,509 |
| Efficiency ratio | 72.0588% | 3,721 |
| Assets per employee ($millions) | 2.3097% | 7,113 |
| Cash dividends to net income (ytd only)* | 144.0397% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 5,821 |
| Loan loss allowance to noncurrent loans | 90.2200% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 1.0742% | 4,732 |
| Noncurrent loans to loans | 1.2546% | 4,562 |
| Net loans and leases to total assets | 66.4536% | 2,938 |
| Net loans and leases to deposits | 76.5006% | 3,376 |
| Net loans and leases to core deposits | 78.9168% | 3,944 |
| Total domestic deposits to total assets | 86.8668% | 2,808 |
| Equity capital to assets | 10.9375% | 3,024 |
| Core capital (leverage) ratio | 9.1594% | 4,474 |
| Tier 1 risk-based capital ratio | 13.7997% | 4,306 |
| Total risk-based capital ratio | 14.9930% | 4,322 |
| Memoranda: | ||
| Average total assets | $47,031,000 | 6,565 |
| Average earning assets | $42,894,330 | 6,544 |
| Average equity | $5,394,000 | 6,412 |
| Average total loans | $33,425,330 | 6,111 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9458% | 535 |
| Cost of funding earning assets | 0.9009% | 4,916 |
| Net interest margin | 5.0449% | 350 |
| Noninterest income to average assets | 0.9072% | 1,642 |
| Noninterest expense to average assets | 3.9659% | 1,080 |
| Loan and lease loss provision to assets | 0.2592% | 3,065 |
| Net operating income to assets | 1.2788% | 1,326 |
| Return on assets (ROA) | 1.2874% | 1,347 |
| Pretax return on assets | 1.2874% | 2,077 |
| Return on Equity (ROE) | 10.9589% | 1,755 |
| Retained earnings to average equity (ytd only) | 9.2673% | 1,301 |
| Net charge-offs to loans | 0.0118% | 4,919 |
| Credit loss provision to net charge-offs | 3,000.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 179 |
| Efficiency ratio | 72.0565% | 3,851 |
| Assets per employee ($millions) | 2.2389% | 7,232 |
| Cash dividends to net income (ytd only)* | 15.4362% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 5,746 |
| Loan loss allowance to noncurrent loans | 71.1230% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.6930% | 3,715 |
| Noncurrent loans to loans | 1.6517% | 4,001 |
| Net loans and leases to total assets | 71.3891% | 1,839 |
| Net loans and leases to deposits | 82.9995% | 2,186 |
| Net loans and leases to core deposits | 85.7278% | 2,915 |
| Total domestic deposits to total assets | 86.0114% | 3,524 |
| Equity capital to assets | 11.7341% | 2,095 |
| Core capital (leverage) ratio | 9.9322% | 3,224 |
| Tier 1 risk-based capital ratio | 14.7260% | 3,596 |
| Total risk-based capital ratio | 15.9757% | 3,548 |
| Memoranda: | ||
| Average total assets | $46,295,000 | 6,631 |
| Average earning assets | $42,181,000 | 6,611 |
| Average equity | $5,438,500 | 6,405 |
| Average total loans | $33,837,500 | 6,135 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3682% | 407 |
| Cost of funding earning assets | 1.1113% | 5,077 |
| Net interest margin | 5.2569% | 258 |
| Noninterest income to average assets | 0.9479% | 1,676 |
| Noninterest expense to average assets | 4.1256% | 996 |
| Loan and lease loss provision to assets | 0.2465% | 4,822 |
| Net operating income to assets | 1.3356% | 1,094 |
| Return on assets (ROA) | 1.3446% | 1,141 |
| Pretax return on assets | 1.3446% | 1,819 |
| Return on Equity (ROE) | 11.5101% | 1,448 |
| Retained earnings to average equity (ytd only) | 8.8052% | 751 |
| Net charge-offs to loans | 0.1864% | 5,188 |
| Credit loss provision to net charge-offs | 174.6032% | 1,920 |
| Earnings coverage of net charge-offs (x) | 11.2063% | 1,626 |
| Efficiency ratio | 72.2811% | 3,734 |
| Assets per employee ($millions) | 2.1701% | 7,322 |
| Cash dividends to net income (ytd only)* | 23.5000% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 5,956 |
| Loan loss allowance to noncurrent loans | 73.2673% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.5799% | 3,936 |
| Noncurrent loans to loans | 1.4980% | 4,229 |
| Net loans and leases to total assets | 73.1595% | 1,832 |
| Net loans and leases to deposits | 85.1600% | 2,248 |
| Net loans and leases to core deposits | 87.4747% | 3,119 |
| Total domestic deposits to total assets | 85.9083% | 3,411 |
| Equity capital to assets | 11.7613% | 2,070 |
| Core capital (leverage) ratio | 9.8100% | 3,302 |
| Tier 1 risk-based capital ratio | 14.4852% | 3,553 |
| Total risk-based capital ratio | 15.7035% | 3,532 |
| Memoranda: | ||
| Average total assets | $44,623,800 | 6,712 |
| Average earning assets | $40,404,000 | 6,697 |
| Average equity | $5,212,800 | 6,591 |
| Average total loans | $33,794,800 | 6,219 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4517% | 374 |
| Cost of funding earning assets | 1.1516% | 5,138 |
| Net interest margin | 5.3001% | 244 |
| Noninterest income to average assets | 0.9192% | 1,728 |
| Noninterest expense to average assets | 4.0732% | 959 |
| Loan and lease loss provision to assets | 0.2403% | 4,678 |
| Net operating income to assets | 1.4028% | 1,098 |
| Return on assets (ROA) | 1.4148% | 1,154 |
| Pretax return on assets | 1.4148% | 1,841 |
| Return on Equity (ROE) | 12.1325% | 1,464 |
| Retained earnings to average equity (ytd only) | 9.0672% | 1,034 |
| Net charge-offs to loans | 0.2011% | 4,736 |
| Credit loss provision to net charge-offs | 156.8627% | 2,440 |
| Earnings coverage of net charge-offs (x) | 10.7253% | 1,862 |
| Efficiency ratio | 71.2559% | 3,841 |
| Assets per employee ($millions) | 2.1505% | 7,422 |
| Cash dividends to net income (ytd only)* | 25.2651% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 6,229 |
| Loan loss allowance to noncurrent loans | 143.0894% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 1.0496% | 5,011 |
| Noncurrent loans to loans | 0.7250% | 5,758 |
| Net loans and leases to total assets | 74.3556% | 1,725 |
| Net loans and leases to deposits | 86.6175% | 2,216 |
| Net loans and leases to core deposits | 86.6175% | 3,571 |
| Total domestic deposits to total assets | 85.8437% | 3,162 |
| Equity capital to assets | 11.7715% | 2,309 |
| Core capital (leverage) ratio | 9.6589% | 3,675 |
| Tier 1 risk-based capital ratio | 13.8216% | 3,960 |
| Total risk-based capital ratio | 14.9549% | 4,007 |
| Memoranda: | ||
| Average total assets | $44,386,500 | 6,802 |
| Average earning assets | $40,174,250 | 6,789 |
| Average equity | $5,176,000 | 6,688 |
| Average total loans | $33,815,750 | 6,299 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5303% | 324 |
| Cost of funding earning assets | 1.2113% | 5,065 |
| Net interest margin | 5.3190% | 240 |
| Noninterest income to average assets | 0.8475% | 1,896 |
| Noninterest expense to average assets | 4.1288% | 880 |
| Loan and lease loss provision to assets | 0.2266% | 4,638 |
| Net operating income to assets | 1.3279% | 1,239 |
| Return on assets (ROA) | 1.3461% | 1,270 |
| Pretax return on assets | 1.3461% | 1,959 |
| Return on Equity (ROE) | 11.5805% | 1,566 |
| Retained earnings to average equity (ytd only) | 9.7869% | 894 |
| Net charge-offs to loans | 0.1125% | 5,037 |
| Credit loss provision to net charge-offs | 263.1579% | 1,443 |
| Earnings coverage of net charge-offs (x) | 18.0526% | 1,306 |
| Efficiency ratio | 72.6475% | 3,716 |
| Assets per employee ($millions) | 2.1364% | 7,486 |
| Cash dividends to net income (ytd only)* | 15.4882% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 6,249 |
| Loan loss allowance to noncurrent loans | 179.6954% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7266% | 5,678 |
| Noncurrent loans to loans | 0.5757% | 6,099 |
| Net loans and leases to total assets | 75.4904% | 1,598 |
| Net loans and leases to deposits | 87.9117% | 2,186 |
| Net loans and leases to core deposits | 87.9117% | 3,558 |
| Total domestic deposits to total assets | 85.8706% | 3,164 |
| Equity capital to assets | 11.7466% | 2,251 |
| Core capital (leverage) ratio | 9.7920% | 3,415 |
| Tier 1 risk-based capital ratio | 13.6092% | 4,000 |
| Total risk-based capital ratio | 14.7473% | 4,034 |
| Memoranda: | ||
| Average total assets | $44,128,670 | 6,857 |
| Average earning assets | $40,120,670 | 6,839 |
| Average equity | $5,129,330 | 6,741 |
| Average total loans | $33,777,330 | 6,346 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5044% | 358 |
| Cost of funding earning assets | 1.2768% | 4,954 |
| Net interest margin | 5.2276% | 271 |
| Noninterest income to average assets | 0.7678% | 2,188 |
| Noninterest expense to average assets | 4.2229% | 783 |
| Loan and lease loss provision to assets | 0.1828% | 4,688 |
| Net operating income to assets | 1.1151% | 1,780 |
| Return on assets (ROA) | 1.1151% | 1,863 |
| Pretax return on assets | 1.1151% | 2,684 |
| Return on Equity (ROE) | 9.6462% | 2,228 |
| Retained earnings to average equity (ytd only) | 7.8276% | 1,780 |
| Net charge-offs to loans | 0.2265% | 3,568 |
| Credit loss provision to net charge-offs | 105.2632% | 3,255 |
| Earnings coverage of net charge-offs (x) | 7.4737% | 2,085 |
| Efficiency ratio | 76.4901% | 3,133 |
| Assets per employee ($millions) | 2.2147% | 7,531 |
| Cash dividends to net income (ytd only)* | 18.8525% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 6,662 |
| Loan loss allowance to noncurrent loans | 91.8079% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.3839% | 4,430 |
| Noncurrent loans to loans | 1.0369% | 5,262 |
| Net loans and leases to total assets | 76.3422% | 1,472 |
| Net loans and leases to deposits | 92.8881% | 1,487 |
| Net loans and leases to core deposits | 94.9113% | 2,716 |
| Total domestic deposits to total assets | 82.1872% | 4,988 |
| Equity capital to assets | 11.5320% | 2,335 |
| Core capital (leverage) ratio | 9.4535% | 3,842 |
| Tier 1 risk-based capital ratio | 13.2610% | 4,157 |
| Total risk-based capital ratio | 14.3168% | 4,259 |
| Memoranda: | ||
| Average total assets | $43,761,000 | 6,963 |
| Average earning assets | $39,788,500 | 6,937 |
| Average equity | $5,059,000 | 6,828 |
| Average total loans | $33,555,000 | 6,433 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6082% | 549 |
| Cost of funding earning assets | 1.6603% | 4,732 |
| Net interest margin | 4.9479% | 499 |
| Noninterest income to average assets | 1.0633% | 1,360 |
| Noninterest expense to average assets | 4.3202% | 967 |
| Loan and lease loss provision to assets | 0.2307% | 5,524 |
| Net operating income to assets | 1.0080% | 1,809 |
| Return on assets (ROA) | 1.0379% | 1,755 |
| Pretax return on assets | 1.0379% | 2,464 |
| Return on Equity (ROE) | 9.4138% | 1,885 |
| Retained earnings to average equity (ytd only) | 6.4223% | 1,180 |
| Net charge-offs to loans | 0.2283% | 5,188 |
| Credit loss provision to net charge-offs | 138.8889% | 3,530 |
| Earnings coverage of net charge-offs (x) | 7.4583% | 2,141 |
| Efficiency ratio | 77.7178% | 3,239 |
| Assets per employee ($millions) | 1.9649% | 7,751 |
| Cash dividends to net income (ytd only)* | 31.7778% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 6,477 |
| Loan loss allowance to noncurrent loans | 65.3226% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.4111% | 4,295 |
| Noncurrent loans to loans | 1.5044% | 4,407 |
| Net loans and leases to total assets | 75.5205% | 1,916 |
| Net loans and leases to deposits | 88.2587% | 2,518 |
| Net loans and leases to core deposits | 110.2905% | 2,865 |
| Total domestic deposits to total assets | 85.5672% | 3,245 |
| Equity capital to assets | 11.5897% | 2,254 |
| Core capital (leverage) ratio | 9.3894% | 3,842 |
| Tier 1 risk-based capital ratio | 13.2316% | 3,994 |
| Total risk-based capital ratio | 14.3085% | 4,048 |
| Memoranda: | ||
| Average total assets | $43,354,800 | 6,973 |
| Average earning assets | $39,390,200 | 6,962 |
| Average equity | $4,780,200 | 7,029 |
| Average total loans | $31,540,000 | 6,552 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5990% | 615 |
| Cost of funding earning assets | 1.7360% | 4,721 |
| Net interest margin | 4.8630% | 604 |
| Noninterest income to average assets | 1.0479% | 1,449 |
| Noninterest expense to average assets | 4.2101% | 1,021 |
| Loan and lease loss provision to assets | 0.2766% | 4,766 |
| Net operating income to assets | 0.9772% | 2,142 |
| Return on assets (ROA) | 0.9772% | 2,197 |
| Pretax return on assets | 0.9772% | 2,969 |
| Return on Equity (ROE) | 8.9776% | 2,267 |
| Retained earnings to average equity (ytd only) | 5.5898% | 2,161 |
| Net charge-offs to loans | 0.1924% | 4,856 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | 9.0665% | 2,154 |
| Efficiency ratio | 77.0529% | 3,308 |
| Assets per employee ($millions) | 1.9714% | 7,818 |
| Cash dividends to net income (ytd only)* | 37.7367% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 5,843 |
| Loan loss allowance to noncurrent loans | 102.7190% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 1.4964% | 4,126 |
| Noncurrent loans to loans | 1.0508% | 5,219 |
| Net loans and leases to total assets | 71.8446% | 3,075 |
| Net loans and leases to deposits | 85.5405% | 3,410 |
| Net loans and leases to core deposits | 105.2171% | 3,795 |
| Total domestic deposits to total assets | 83.9889% | 3,727 |
| Equity capital to assets | 11.3074% | 2,743 |
| Core capital (leverage) ratio | 9.0508% | 4,578 |
| Tier 1 risk-based capital ratio | 13.0769% | 4,138 |
| Total risk-based capital ratio | 14.2249% | 4,139 |
| Memoranda: | ||
| Average total assets | $43,386,500 | 7,020 |
| Average earning assets | $39,398,750 | 7,018 |
| Average equity | $4,722,750 | 7,103 |
| Average total loans | $31,182,500 | 6,617 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6876% | 553 |
| Cost of funding earning assets | 1.8387% | 4,559 |
| Net interest margin | 4.8489% | 603 |
| Noninterest income to average assets | 1.0140% | 1,549 |
| Noninterest expense to average assets | 4.2220% | 1,047 |
| Loan and lease loss provision to assets | 0.2765% | 4,365 |
| Net operating income to assets | 0.9034% | 2,444 |
| Return on assets (ROA) | 0.9034% | 2,542 |
| Pretax return on assets | 0.9034% | 3,325 |
| Return on Equity (ROE) | 8.4078% | 2,606 |
| Retained earnings to average equity (ytd only) | 4.2468% | 2,941 |
| Net charge-offs to loans | 0.2446% | 3,971 |
| Credit loss provision to net charge-offs | 157.8947% | 2,912 |
| Earnings coverage of net charge-offs (x) | 6.7368% | 2,555 |
| Efficiency ratio | 78.1570% | 3,322 |
| Assets per employee ($millions) | 1.9944% | 7,856 |
| Cash dividends to net income (ytd only)* | 49.4898% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 6,129 |
| Loan loss allowance to noncurrent loans | 120.5323% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 1.3242% | 4,302 |
| Noncurrent loans to loans | 0.8409% | 5,540 |
| Net loans and leases to total assets | 70.5579% | 3,562 |
| Net loans and leases to deposits | 84.2807% | 3,828 |
| Net loans and leases to core deposits | 102.4828% | 4,232 |
| Total domestic deposits to total assets | 83.7178% | 3,912 |
| Equity capital to assets | 10.7348% | 3,172 |
| Core capital (leverage) ratio | 8.9850% | 4,655 |
| Tier 1 risk-based capital ratio | 12.7833% | 4,299 |
| Total risk-based capital ratio | 13.8574% | 4,353 |
| Memoranda: | ||
| Average total assets | $43,392,000 | 7,084 |
| Average earning assets | $39,266,670 | 7,080 |
| Average equity | $4,662,330 | 7,189 |
| Average total loans | $31,077,000 | 6,669 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7206% | 561 |
| Cost of funding earning assets | 1.9670% | 4,299 |
| Net interest margin | 4.7536% | 674 |
| Noninterest income to average assets | 0.9085% | 1,816 |
| Noninterest expense to average assets | 4.2735% | 876 |
| Loan and lease loss provision to assets | 0.2781% | 3,729 |
| Net operating income to assets | 0.6582% | 3,761 |
| Return on assets (ROA) | 0.6582% | 3,939 |
| Pretax return on assets | 0.6582% | 4,564 |
| Return on Equity (ROE) | 6.1227% | 3,989 |
| Retained earnings to average equity (ytd only) | -0.3449% | 5,729 |
| Net charge-offs to loans | 0.1420% | 3,822 |
| Credit loss provision to net charge-offs | 272.7273% | 1,749 |
| Earnings coverage of net charge-offs (x) | 9.1818% | 2,092 |
| Efficiency ratio | 82.0285% | 2,531 |
| Assets per employee ($millions) | 1.9340% | 7,938 |
| Cash dividends to net income (ytd only)* | 105.6338% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 6,144 |
| Loan loss allowance to noncurrent loans | 116.7286% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.3913% | 3,860 |
| Noncurrent loans to loans | 0.8603% | 5,298 |
| Net loans and leases to total assets | 72.7514% | 3,062 |
| Net loans and leases to deposits | 84.0620% | 3,976 |
| Net loans and leases to core deposits | 101.4885% | 4,398 |
| Total domestic deposits to total assets | 86.5449% | 2,428 |
| Equity capital to assets | 10.9121% | 3,053 |
| Core capital (leverage) ratio | 8.8774% | 4,883 |
| Tier 1 risk-based capital ratio | 12.6047% | 4,469 |
| Total risk-based capital ratio | 13.6829% | 4,507 |
| Memoranda: | ||
| Average total assets | $43,150,000 | 7,129 |
| Average earning assets | $39,044,000 | 7,123 |
| Average equity | $4,638,500 | 7,244 |
| Average total loans | $30,978,000 | 6,703 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2810% | 617 |
| Cost of funding earning assets | 2.5457% | 3,974 |
| Net interest margin | 4.7353% | 897 |
| Noninterest income to average assets | 1.2896% | 885 |
| Noninterest expense to average assets | 4.4247% | 927 |
| Loan and lease loss provision to assets | 0.1395% | 5,574 |
| Net operating income to assets | 1.0129% | 2,497 |
| Return on assets (ROA) | 1.0129% | 2,389 |
| Pretax return on assets | 1.0129% | 3,332 |
| Return on Equity (ROE) | 10.3404% | 2,145 |
| Retained earnings to average equity (ytd only) | 8.2527% | 763 |
| Net charge-offs to loans | 0.3220% | 3,247 |
| Credit loss provision to net charge-offs | 59.7938% | 6,234 |
| Earnings coverage of net charge-offs (x) | 4.9381% | 3,809 |
| Efficiency ratio | 79.3356% | 2,701 |
| Assets per employee ($millions) | 1.9887% | 7,916 |
| Cash dividends to net income (ytd only)* | 20.1900% | 4,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 6,333 |
| Loan loss allowance to noncurrent loans | 307.2917% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 4,157 |
| Noncurrent loans to loans | 0.3128% | 6,438 |
| Net loans and leases to total assets | 69.4658% | 4,151 |
| Net loans and leases to deposits | 90.1652% | 3,425 |
| Net loans and leases to core deposits | 106.4071% | 4,149 |
| Total domestic deposits to total assets | 77.0428% | 5,976 |
| Equity capital to assets | 10.5918% | 3,399 |
| Core capital (leverage) ratio | 9.0235% | 4,707 |
| Tier 1 risk-based capital ratio | 12.2581% | 4,620 |
| Total risk-based capital ratio | 13.2424% | 4,716 |
| Memoranda: | ||
| Average total assets | $41,562,200 | 7,144 |
| Average earning assets | $37,632,400 | 7,167 |
| Average equity | $4,071,400 | 7,489 |
| Average total loans | $30,124,200 | 6,702 |