Home > Quoin Financial Bank > Performance and Condition Ratios
Quoin Financial 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 | 1.2783% | 4,584 |
| Cost of funding earning assets | 0.3086% | 4,371 |
| Net interest margin | 0.9697% | 4,545 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 0.6062% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2739% | 4,066 |
| Return on assets (ROA) | 0.2739% | 4,069 |
| Pretax return on assets | 0.3536% | 4,032 |
| Return on Equity (ROE) | 2.3100% | 4,119 |
| Retained earnings to average equity (ytd only) | 2.3055% | 3,502 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.3956% | 3,955 |
| Assets per employee ($millions) | 6.2051% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5239% | 4,318 |
| Loan loss allowance to noncurrent loans | 2,635.4839% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 3,665 |
| Noncurrent loans to loans | 0.0199% | 3,596 |
| Net loans and leases to total assets | 71.4200% | 1,646 |
| Net loans and leases to deposits | 88.2421% | 1,408 |
| Net loans and leases to core deposits | 96.9215% | 1,605 |
| Total domestic deposits to total assets | 80.9400% | 3,317 |
| Equity capital to assets | 14.6216% | 588 |
| Core capital (leverage) ratio | 8.0844% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1868% | 2,793 |
| Memoranda: | ||
| Average total assets | $210,670,800 | 2,907 |
| Average earning assets | $194,088,400 | 2,916 |
| Average equity | $25,026,600 | 2,517 |
| Average total loans | $152,630,400 | 2,655 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9079% | 601 |
| Cost of funding earning assets | 0.9720% | 3,114 |
| Net interest margin | 4.9358% | 337 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 3.4129% | 617 |
| Loan and lease loss provision to assets | -0.1000% | 4,540 |
| Net operating income to assets | 1.3011% | 1,548 |
| Return on assets (ROA) | 1.3011% | 1,530 |
| Pretax return on assets | 1.6991% | 1,162 |
| Return on Equity (ROE) | 11.6500% | 2,212 |
| Retained earnings to average equity (ytd only) | 11.6513% | 1,033 |
| Net charge-offs to loans | -0.0123% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.0356% | 2,012 |
| Assets per employee ($millions) | 5.8379% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 2,757 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 76.6300% | 1,041 |
| Net loans and leases to deposits | 90.2082% | 1,223 |
| Net loans and leases to core deposits | 98.2893% | 1,429 |
| Total domestic deposits to total assets | 84.9400% | 2,517 |
| Equity capital to assets | 11.6574% | 1,137 |
| Core capital (leverage) ratio | 12.7447% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $209,044,000 | 2,929 |
| Average earning assets | $195,734,500 | 2,913 |
| Average equity | $23,344,500 | 2,600 |
| Average total loans | $151,804,000 | 2,664 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4748% | 870 |
| Cost of funding earning assets | 0.8608% | 3,044 |
| Net interest margin | 4.6140% | 512 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.3588% | 2,620 |
| Loan and lease loss provision to assets | -0.0900% | 4,551 |
| Net operating income to assets | 1.8688% | 591 |
| Return on assets (ROA) | 1.8688% | 585 |
| Pretax return on assets | 2.4537% | 377 |
| Return on Equity (ROE) | 16.9800% | 1,102 |
| Retained earnings to average equity (ytd only) | 16.9755% | 393 |
| Net charge-offs to loans | 0.0080% | 1,914 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,634 |
| Earnings coverage of net charge-offs (x) | 414.0000% | 348 |
| Efficiency ratio | 50.0000% | 3,931 |
| Assets per employee ($millions) | 6.0714% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 2,442 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 72.0000% | 1,532 |
| Net loans and leases to deposits | 85.2098% | 1,576 |
| Net loans and leases to core deposits | 92.3778% | 1,658 |
| Total domestic deposits to total assets | 84.4900% | 2,694 |
| Equity capital to assets | 11.6888% | 1,140 |
| Core capital (leverage) ratio | 12.6877% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $210,616,667 | 2,932 |
| Average earning assets | $197,486,333 | 2,908 |
| Average equity | $23,186,333 | 2,612 |
| Average total loans | $149,624,333 | 2,676 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1069% | 1,080 |
| Cost of funding earning assets | 0.7462% | 2,903 |
| Net interest margin | 4.3607% | 730 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.2791% | 2,873 |
| Loan and lease loss provision to assets | -0.0900% | 4,566 |
| Net operating income to assets | 1.7545% | 744 |
| Return on assets (ROA) | 1.7545% | 735 |
| Pretax return on assets | 2.3036% | 480 |
| Return on Equity (ROE) | 16.4300% | 1,275 |
| Retained earnings to average equity (ytd only) | 16.4297% | 648 |
| Net charge-offs to loans | 0.0188% | 1,300 |
| Credit loss provision to net charge-offs | -714.2857% | 4,641 |
| Earnings coverage of net charge-offs (x) | 167.8571% | 570 |
| Efficiency ratio | 50.7750% | 3,872 |
| Assets per employee ($millions) | 6.1583% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,114 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 68.0700% | 1,828 |
| Net loans and leases to deposits | 79.5599% | 1,848 |
| Net loans and leases to core deposits | 86.3207% | 1,845 |
| Total domestic deposits to total assets | 85.5500% | 2,705 |
| Equity capital to assets | 11.1390% | 1,290 |
| Core capital (leverage) ratio | 12.1093% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $212,711,000 | 2,953 |
| Average earning assets | $199,418,000 | 2,935 |
| Average equity | $22,715,000 | 2,666 |
| Average total loans | $149,222,500 | 2,707 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 843 |
| Cost of funding earning assets | 0.4668% | 1,601 |
| Net interest margin | 3.9527% | 854 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.6085% | 1,804 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 1.3564% | 1,259 |
| Return on assets (ROA) | 1.3564% | 1,217 |
| Pretax return on assets | 1.7722% | 781 |
| Return on Equity (ROE) | 12.7500% | 1,893 |
| Retained earnings to average equity (ytd only) | 6.1557% | 2,585 |
| Net charge-offs to loans | -0.0287% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.8444% | 2,935 |
| Assets per employee ($millions) | 6.3541% | 2,459 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 2,193 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.4300% | 1,596 |
| Net loans and leases to deposits | 80.9381% | 1,699 |
| Net loans and leases to core deposits | 88.1439% | 1,600 |
| Total domestic deposits to total assets | 87.0200% | 2,386 |
| Equity capital to assets | 10.2328% | 1,595 |
| Core capital (leverage) ratio | 11.2384% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $213,798,600 | 2,952 |
| Average earning assets | $201,151,800 | 2,922 |
| Average equity | $22,743,200 | 2,720 |
| Average total loans | $139,140,400 | 2,736 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1836% | 917 |
| Cost of funding earning assets | 0.4290% | 1,103 |
| Net interest margin | 3.7545% | 1,026 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.2434% | 2,808 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 1.5538% | 735 |
| Return on assets (ROA) | 1.5538% | 716 |
| Pretax return on assets | 2.0346% | 437 |
| Return on Equity (ROE) | 14.4700% | 1,301 |
| Retained earnings to average equity (ytd only) | 14.4669% | 412 |
| Net charge-offs to loans | -0.0098% | 3,707 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.6163% | 3,850 |
| Assets per employee ($millions) | 6.4863% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 1,976 |
| Loan loss allowance to noncurrent loans | 1,462.8788% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,271 |
| Noncurrent loans to loans | 0.0897% | 3,237 |
| Net loans and leases to total assets | 67.8400% | 1,694 |
| Net loans and leases to deposits | 78.3443% | 1,683 |
| Net loans and leases to core deposits | 84.6510% | 1,608 |
| Total domestic deposits to total assets | 86.5900% | 2,892 |
| Equity capital to assets | 10.6827% | 1,298 |
| Core capital (leverage) ratio | 11.8736% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $213,238,000 | 2,980 |
| Average earning assets | $201,067,000 | 2,946 |
| Average equity | $22,902,250 | 2,745 |
| Average total loans | $135,407,250 | 2,779 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 1,024 |
| Cost of funding earning assets | 0.4151% | 836 |
| Net interest margin | 3.5345% | 1,218 |
| Noninterest income to average assets | 0.4808% | 2,307 |
| Noninterest expense to average assets | 2.2567% | 2,683 |
| Loan and lease loss provision to assets | -0.0939% | 4,585 |
| Net operating income to assets | 1.2669% | 1,230 |
| Return on assets (ROA) | 1.2669% | 1,214 |
| Pretax return on assets | 1.6528% | 841 |
| Return on Equity (ROE) | 11.7743% | 1,733 |
| Retained earnings to average equity (ytd only) | 11.7743% | 644 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1435% | 3,422 |
| Assets per employee ($millions) | 6.3544% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,453 |
| Loan loss allowance to noncurrent loans | 1,493.1818% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 3,368 |
| Noncurrent loans to loans | 0.0993% | 3,260 |
| Net loans and leases to total assets | 60.5920% | 2,263 |
| Net loans and leases to deposits | 69.7508% | 2,234 |
| Net loans and leases to core deposits | 75.4462% | 2,057 |
| Total domestic deposits to total assets | 86.8692% | 2,985 |
| Equity capital to assets | 10.3902% | 1,485 |
| Core capital (leverage) ratio | 11.3061% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,968,333 | 3,009 |
| Average earning assets | $200,936,333 | 2,983 |
| Average equity | $22,914,333 | 2,824 |
| Average total loans | $131,499,000 | 2,828 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8584% | 989 |
| Cost of funding earning assets | 0.4292% | 727 |
| Net interest margin | 3.4292% | 1,236 |
| Noninterest income to average assets | 0.6035% | 1,679 |
| Noninterest expense to average assets | 2.3289% | 2,397 |
| Loan and lease loss provision to assets | -0.0946% | 4,592 |
| Net operating income to assets | 1.2335% | 1,160 |
| Return on assets (ROA) | 1.2335% | 1,144 |
| Pretax return on assets | 1.6043% | 819 |
| Return on Equity (ROE) | 11.2669% | 1,523 |
| Retained earnings to average equity (ytd only) | 11.2669% | 729 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6703% | 3,411 |
| Assets per employee ($millions) | 6.3364% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 1,353 |
| Loan loss allowance to noncurrent loans | 1,239.8773% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 3,313 |
| Noncurrent loans to loans | 0.1265% | 3,186 |
| Net loans and leases to total assets | 58.8848% | 2,196 |
| Net loans and leases to deposits | 68.5569% | 2,094 |
| Net loans and leases to core deposits | 73.6349% | 1,966 |
| Total domestic deposits to total assets | 85.8919% | 3,301 |
| Equity capital to assets | 10.6579% | 1,516 |
| Core capital (leverage) ratio | 11.1200% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,427,500 | 3,029 |
| Average earning assets | $199,461,500 | 3,008 |
| Average equity | $23,147,500 | 2,896 |
| Average total loans | $130,808,500 | 2,839 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4752% | 622 |
| Cost of funding earning assets | 0.5657% | 647 |
| Net interest margin | 3.9095% | 839 |
| Noninterest income to average assets | 0.7348% | 1,646 |
| Noninterest expense to average assets | 2.7627% | 1,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2669% | 1,695 |
| Return on assets (ROA) | 1.2754% | 1,733 |
| Pretax return on assets | 1.6613% | 1,237 |
| Return on Equity (ROE) | 11.0383% | 2,154 |
| Retained earnings to average equity (ytd only) | 5.9339% | 2,390 |
| Net charge-offs to loans | -0.0902% | 4,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6016% | 2,777 |
| Assets per employee ($millions) | 6.1006% | 2,664 |
| Cash dividends to net income (ytd only)* | 46.2428% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 1,360 |
| Loan loss allowance to noncurrent loans | 873.8397% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 3,131 |
| Noncurrent loans to loans | 0.1785% | 3,050 |
| Net loans and leases to total assets | 62.9962% | 1,824 |
| Net loans and leases to deposits | 73.5865% | 1,764 |
| Net loans and leases to core deposits | 79.5338% | 1,641 |
| Total domestic deposits to total assets | 85.6084% | 3,049 |
| Equity capital to assets | 11.2497% | 1,634 |
| Core capital (leverage) ratio | 11.2847% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,460,000 | 3,038 |
| Average earning assets | $191,431,000 | 3,016 |
| Average equity | $23,509,000 | 2,939 |
| Average total loans | $128,609,200 | 2,871 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6397% | 531 |
| Cost of funding earning assets | 0.5998% | 639 |
| Net interest margin | 4.0399% | 731 |
| Noninterest income to average assets | 0.7711% | 1,612 |
| Noninterest expense to average assets | 2.3608% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6869% | 851 |
| Return on assets (ROA) | 1.6983% | 874 |
| Pretax return on assets | 2.2218% | 524 |
| Return on Equity (ROE) | 14.5995% | 1,227 |
| Retained earnings to average equity (ytd only) | 14.5995% | 448 |
| Net charge-offs to loans | -0.0794% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6794% | 4,055 |
| Assets per employee ($millions) | 5.5321% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 1,442 |
| Loan loss allowance to noncurrent loans | 949.0654% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 3,389 |
| Noncurrent loans to loans | 0.1640% | 3,303 |
| Net loans and leases to total assets | 64.4860% | 1,709 |
| Net loans and leases to deposits | 76.2631% | 1,645 |
| Net loans and leases to core deposits | 82.9043% | 1,503 |
| Total domestic deposits to total assets | 84.5573% | 3,277 |
| Equity capital to assets | 12.4145% | 1,215 |
| Core capital (leverage) ratio | 12.0178% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0991% | 799 |
| Memoranda: | ||
| Average total assets | $202,470,250 | 3,082 |
| Average earning assets | $190,295,750 | 3,057 |
| Average equity | $23,552,750 | 2,974 |
| Average total loans | $127,577,250 | 2,916 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 403 |
| Cost of funding earning assets | 0.6218% | 665 |
| Net interest margin | 4.2787% | 510 |
| Noninterest income to average assets | 0.7830% | 1,582 |
| Noninterest expense to average assets | 2.3097% | 2,741 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9026% | 586 |
| Return on assets (ROA) | 1.9197% | 590 |
| Pretax return on assets | 2.5170% | 350 |
| Return on Equity (ROE) | 16.8722% | 803 |
| Retained earnings to average equity (ytd only) | 16.8722% | 279 |
| Net charge-offs to loans | -0.1185% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0679% | 4,382 |
| Assets per employee ($millions) | 5.7029% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 1,284 |
| Loan loss allowance to noncurrent loans | 1,990.1961% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 3,921 |
| Noncurrent loans to loans | 0.0802% | 3,787 |
| Net loans and leases to total assets | 60.9528% | 2,314 |
| Net loans and leases to deposits | 71.9134% | 2,214 |
| Net loans and leases to core deposits | 78.3650% | 2,018 |
| Total domestic deposits to total assets | 84.7586% | 3,196 |
| Equity capital to assets | 11.6808% | 1,530 |
| Core capital (leverage) ratio | 11.3656% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5596% | 750 |
| Memoranda: | ||
| Average total assets | $203,575,333 | 3,068 |
| Average earning assets | $191,364,667 | 3,054 |
| Average equity | $23,162,333 | 2,998 |
| Average total loans | $126,617,000 | 2,939 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3883% | 213 |
| Cost of funding earning assets | 0.6538% | 675 |
| Net interest margin | 4.7344% | 260 |
| Noninterest income to average assets | 0.8031% | 1,579 |
| Noninterest expense to average assets | 2.3541% | 2,637 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1876% | 428 |
| Return on assets (ROA) | 2.2219% | 433 |
| Pretax return on assets | 2.9362% | 246 |
| Return on Equity (ROE) | 19.7952% | 549 |
| Retained earnings to average equity (ytd only) | 19.7952% | 279 |
| Net charge-offs to loans | 0.1773% | 446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 26.1786% | 1,143 |
| Efficiency ratio | 44.8665% | 4,531 |
| Assets per employee ($millions) | 5.5618% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 1,426 |
| Loan loss allowance to noncurrent loans | 1,507.1429% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 3,939 |
| Noncurrent loans to loans | 0.1027% | 3,793 |
| Net loans and leases to total assets | 58.6956% | 2,719 |
| Net loans and leases to deposits | 69.1897% | 2,583 |
| Net loans and leases to core deposits | 75.5067% | 2,395 |
| Total domestic deposits to total assets | 84.8329% | 3,174 |
| Equity capital to assets | 11.2510% | 1,682 |
| Core capital (leverage) ratio | 11.5650% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,711,500 | 3,067 |
| Average earning assets | $190,265,500 | 3,053 |
| Average equity | $22,753,000 | 3,014 |
| Average total loans | $126,341,500 | 2,944 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3206% | 254 |
| Cost of funding earning assets | 1.0021% | 592 |
| Net interest margin | 4.3185% | 488 |
| Noninterest income to average assets | 0.7730% | 1,618 |
| Noninterest expense to average assets | 2.9338% | 1,593 |
| Loan and lease loss provision to assets | 0.0542% | 3,695 |
| Net operating income to assets | 1.4019% | 1,015 |
| Return on assets (ROA) | 1.4023% | 1,100 |
| Pretax return on assets | 1.8255% | 649 |
| Return on Equity (ROE) | 11.7303% | 1,397 |
| Retained earnings to average equity (ytd only) | 6.9656% | 1,409 |
| Net charge-offs to loans | 0.0149% | 2,821 |
| Credit loss provision to net charge-offs | 500.0000% | 1,248 |
| Earnings coverage of net charge-offs (x) | 173.2000% | 514 |
| Efficiency ratio | 60.9558% | 3,324 |
| Assets per employee ($millions) | 5.5454% | 2,797 |
| Cash dividends to net income (ytd only)* | 40.6190% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 1,568 |
| Loan loss allowance to noncurrent loans | 944.4444% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 3,786 |
| Noncurrent loans to loans | 0.1592% | 3,641 |
| Net loans and leases to total assets | 64.1372% | 2,338 |
| Net loans and leases to deposits | 75.5346% | 2,327 |
| Net loans and leases to core deposits | 82.6050% | 2,149 |
| Total domestic deposits to total assets | 84.9110% | 2,803 |
| Equity capital to assets | 11.1969% | 2,105 |
| Core capital (leverage) ratio | 10.9602% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,336,400 | 3,070 |
| Average earning assets | $172,442,600 | 3,048 |
| Average equity | $22,037,000 | 3,001 |
| Average total loans | $134,158,000 | 2,811 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6038% | 184 |
| Cost of funding earning assets | 1.0852% | 564 |
| Net interest margin | 4.5186% | 356 |
| Noninterest income to average assets | 0.7475% | 1,654 |
| Noninterest expense to average assets | 2.5431% | 2,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.8537% | 408 |
| Return on assets (ROA) | 1.8554% | 450 |
| Pretax return on assets | 2.4264% | 239 |
| Return on Equity (ROE) | 15.2530% | 652 |
| Retained earnings to average equity (ytd only) | 15.2530% | 186 |
| Net charge-offs to loans | 0.0217% | 2,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 149.1818% | 604 |
| Efficiency ratio | 51.1970% | 4,404 |
| Assets per employee ($millions) | 5.0276% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,946 |
| Loan loss allowance to noncurrent loans | 704.5627% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 3,710 |
| Noncurrent loans to loans | 0.1919% | 3,625 |
| Net loans and leases to total assets | 72.6746% | 1,560 |
| Net loans and leases to deposits | 86.9171% | 1,600 |
| Net loans and leases to core deposits | 96.3503% | 1,430 |
| Total domestic deposits to total assets | 83.6137% | 2,950 |
| Equity capital to assets | 12.5432% | 1,402 |
| Core capital (leverage) ratio | 12.4814% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4446% | 979 |
| Memoranda: | ||
| Average total assets | $180,511,500 | 3,084 |
| Average earning assets | $168,573,250 | 3,069 |
| Average equity | $21,958,000 | 3,003 |
| Average total loans | $135,198,500 | 2,816 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8690% | 170 |
| Cost of funding earning assets | 1.1443% | 622 |
| Net interest margin | 4.7247% | 319 |
| Noninterest income to average assets | 0.7432% | 1,599 |
| Noninterest expense to average assets | 2.4917% | 2,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.0339% | 311 |
| Return on assets (ROA) | 2.0339% | 344 |
| Pretax return on assets | 2.6652% | 164 |
| Return on Equity (ROE) | 16.9026% | 464 |
| Retained earnings to average equity (ytd only) | 16.9026% | 144 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3178% | 4,607 |
| Assets per employee ($millions) | 5.0331% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 1,653 |
| Loan loss allowance to noncurrent loans | 642.1233% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 3,737 |
| Noncurrent loans to loans | 0.2150% | 3,609 |
| Net loans and leases to total assets | 71.9280% | 1,722 |
| Net loans and leases to deposits | 85.6637% | 1,804 |
| Net loans and leases to core deposits | 94.9615% | 1,661 |
| Total domestic deposits to total assets | 83.9656% | 2,757 |
| Equity capital to assets | 12.1670% | 1,554 |
| Core capital (leverage) ratio | 12.0433% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,675,000 | 3,086 |
| Average earning assets | $166,910,667 | 3,073 |
| Average equity | $21,499,667 | 3,029 |
| Average total loans | $134,583,667 | 2,810 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7176% | 238 |
| Cost of funding earning assets | 1.2034% | 766 |
| Net interest margin | 4.5141% | 488 |
| Noninterest income to average assets | 0.8188% | 1,257 |
| Noninterest expense to average assets | 2.5226% | 3,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8959% | 339 |
| Return on assets (ROA) | 1.8959% | 371 |
| Pretax return on assets | 2.4997% | 163 |
| Return on Equity (ROE) | 15.8505% | 440 |
| Retained earnings to average equity (ytd only) | 15.8505% | 151 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2277% | 4,656 |
| Assets per employee ($millions) | 5.4732% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 1,670 |
| Loan loss allowance to noncurrent loans | 578.7037% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 3,753 |
| Noncurrent loans to loans | 0.2431% | 3,612 |
| Net loans and leases to total assets | 75.0151% | 1,458 |
| Net loans and leases to deposits | 90.9596% | 1,411 |
| Net loans and leases to core deposits | 102.1911% | 1,306 |
| Total domestic deposits to total assets | 82.4708% | 3,272 |
| Equity capital to assets | 12.1701% | 1,948 |
| Core capital (leverage) ratio | 11.8954% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4570% | 1,490 |
| Memoranda: | ||
| Average total assets | $174,900,000 | 3,086 |
| Average earning assets | $162,866,500 | 3,084 |
| Average equity | $20,920,500 | 3,082 |
| Average total loans | $133,964,000 | 2,797 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7590% | 356 |
| Cost of funding earning assets | 1.2140% | 997 |
| Net interest margin | 4.5450% | 661 |
| Noninterest income to average assets | 0.4768% | 2,867 |
| Noninterest expense to average assets | 2.9567% | 2,131 |
| Loan and lease loss provision to assets | 0.0581% | 2,873 |
| Net operating income to assets | 1.2829% | 1,759 |
| Return on assets (ROA) | 1.2829% | 1,837 |
| Pretax return on assets | 1.6628% | 1,296 |
| Return on Equity (ROE) | 10.9544% | 1,909 |
| Retained earnings to average equity (ytd only) | 6.2434% | 1,747 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2108% | 3,191 |
| Assets per employee ($millions) | 4.9902% | 2,612 |
| Cash dividends to net income (ytd only)* | 43.0059% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 1,554 |
| Loan loss allowance to noncurrent loans | 535.7143% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.7145% | 1,815 |
| Noncurrent loans to loans | 0.2599% | 3,514 |
| Net loans and leases to total assets | 76.0314% | 1,408 |
| Net loans and leases to deposits | 90.8814% | 1,491 |
| Net loans and leases to core deposits | 102.3658% | 1,377 |
| Total domestic deposits to total assets | 83.6601% | 2,971 |
| Equity capital to assets | 11.7521% | 2,315 |
| Core capital (leverage) ratio | 11.7013% | 1,960 |
| Tier 1 risk-based capital ratio | 13.9712% | 3,288 |
| Total risk-based capital ratio | 15.2212% | 3,188 |
| Memoranda: | ||
| Average total assets | $172,183,400 | 3,091 |
| Average earning assets | $159,142,800 | 3,092 |
| Average equity | $20,165,400 | 3,117 |
| Average total loans | $129,105,600 | 2,832 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7806% | 362 |
| Cost of funding earning assets | 1.2119% | 1,008 |
| Net interest margin | 4.5687% | 661 |
| Noninterest income to average assets | 0.4810% | 2,845 |
| Noninterest expense to average assets | 2.5855% | 3,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6211% | 885 |
| Return on assets (ROA) | 1.6211% | 923 |
| Pretax return on assets | 2.1115% | 536 |
| Return on Equity (ROE) | 13.8542% | 1,012 |
| Retained earnings to average equity (ytd only) | 13.8542% | 211 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0463% | 4,280 |
| Assets per employee ($millions) | 4.5172% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 1,628 |
| Loan loss allowance to noncurrent loans | 536.2538% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.8004% | 1,720 |
| Noncurrent loans to loans | 0.2586% | 3,613 |
| Net loans and leases to total assets | 73.5328% | 1,913 |
| Net loans and leases to deposits | 88.4484% | 1,872 |
| Net loans and leases to core deposits | 99.2819% | 1,717 |
| Total domestic deposits to total assets | 83.1364% | 3,117 |
| Equity capital to assets | 12.4122% | 1,975 |
| Core capital (leverage) ratio | 12.4547% | 1,596 |
| Tier 1 risk-based capital ratio | 15.0849% | 2,809 |
| Total risk-based capital ratio | 16.3349% | 2,739 |
| Memoranda: | ||
| Average total assets | $171,564,750 | 3,130 |
| Average earning assets | $158,319,250 | 3,130 |
| Average equity | $20,075,250 | 3,148 |
| Average total loans | $127,714,500 | 2,882 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7310% | 376 |
| Cost of funding earning assets | 1.2101% | 962 |
| Net interest margin | 4.5209% | 733 |
| Noninterest income to average assets | 0.4699% | 2,840 |
| Noninterest expense to average assets | 2.5592% | 3,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6043% | 904 |
| Return on assets (ROA) | 1.6043% | 942 |
| Pretax return on assets | 2.0835% | 575 |
| Return on Equity (ROE) | 13.9944% | 983 |
| Retained earnings to average equity (ytd only) | 13.9944% | 229 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1231% | 4,353 |
| Assets per employee ($millions) | 4.3358% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 1,723 |
| Loan loss allowance to noncurrent loans | 355.0000% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 1,522 |
| Noncurrent loans to loans | 0.3867% | 3,142 |
| Net loans and leases to total assets | 75.4081% | 1,645 |
| Net loans and leases to deposits | 91.1568% | 1,604 |
| Net loans and leases to core deposits | 101.2297% | 1,617 |
| Total domestic deposits to total assets | 82.7234% | 3,299 |
| Equity capital to assets | 12.1517% | 2,074 |
| Core capital (leverage) ratio | 12.1076% | 1,753 |
| Tier 1 risk-based capital ratio | 14.3582% | 3,138 |
| Total risk-based capital ratio | 15.6018% | 3,059 |
| Memoranda: | ||
| Average total assets | $171,535,000 | 3,141 |
| Average earning assets | $158,332,000 | 3,148 |
| Average equity | $19,665,000 | 3,180 |
| Average total loans | $127,620,330 | 2,902 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5874% | 440 |
| Cost of funding earning assets | 1.1926% | 922 |
| Net interest margin | 4.3948% | 920 |
| Noninterest income to average assets | 0.4376% | 2,927 |
| Noninterest expense to average assets | 2.4729% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5606% | 985 |
| Return on assets (ROA) | 1.5606% | 1,013 |
| Pretax return on assets | 2.0260% | 614 |
| Return on Equity (ROE) | 14.0245% | 965 |
| Retained earnings to average equity (ytd only) | 14.0245% | 351 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9665% | 4,437 |
| Assets per employee ($millions) | 4.7035% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 1,666 |
| Loan loss allowance to noncurrent loans | 448.2323% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.8292% | 1,714 |
| Noncurrent loans to loans | 0.3132% | 3,446 |
| Net loans and leases to total assets | 71.6384% | 2,223 |
| Net loans and leases to deposits | 86.1704% | 2,112 |
| Net loans and leases to core deposits | 98.1492% | 1,759 |
| Total domestic deposits to total assets | 83.1358% | 3,335 |
| Equity capital to assets | 11.2957% | 2,565 |
| Core capital (leverage) ratio | 11.3349% | 2,261 |
| Tier 1 risk-based capital ratio | 14.1074% | 3,293 |
| Total risk-based capital ratio | 15.3570% | 3,215 |
| Memoranda: | ||
| Average total assets | $172,754,500 | 3,161 |
| Average earning assets | $159,645,000 | 3,172 |
| Average equity | $19,223,500 | 3,235 |
| Average total loans | $126,787,000 | 2,940 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4418% | 449 |
| Cost of funding earning assets | 0.8669% | 1,236 |
| Net interest margin | 4.5749% | 641 |
| Noninterest income to average assets | 0.4310% | 3,233 |
| Noninterest expense to average assets | 2.8611% | 2,479 |
| Loan and lease loss provision to assets | 0.0599% | 2,965 |
| Net operating income to assets | 1.2850% | 1,862 |
| Return on assets (ROA) | 1.2869% | 1,849 |
| Pretax return on assets | 1.7292% | 1,095 |
| Return on Equity (ROE) | 11.5747% | 1,875 |
| Retained earnings to average equity (ytd only) | 7.2678% | 1,551 |
| Net charge-offs to loans | -0.0862% | 5,113 |
| Credit loss provision to net charge-offs | -94.3396% | 4,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5583% | 3,610 |
| Assets per employee ($millions) | 4.7633% | 2,793 |
| Cash dividends to net income (ytd only)* | 37.2093% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 1,656 |
| Loan loss allowance to noncurrent loans | 418.6321% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 1,629 |
| Noncurrent loans to loans | 0.3335% | 3,358 |
| Net loans and leases to total assets | 73.1003% | 2,081 |
| Net loans and leases to deposits | 87.4074% | 2,126 |
| Net loans and leases to core deposits | 99.3422% | 1,771 |
| Total domestic deposits to total assets | 83.6317% | 3,112 |
| Equity capital to assets | 10.9571% | 2,726 |
| Core capital (leverage) ratio | 11.3853% | 2,192 |
| Tier 1 risk-based capital ratio | 13.5239% | 3,534 |
| Total risk-based capital ratio | 14.7733% | 3,441 |
| Memoranda: | ||
| Average total assets | $167,069,800 | 3,198 |
| Average earning assets | $153,992,400 | 3,193 |
| Average equity | $18,575,000 | 3,234 |
| Average total loans | $123,000,600 | 2,965 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4715% | 389 |
| Cost of funding earning assets | 0.8693% | 1,038 |
| Net interest margin | 4.6022% | 592 |
| Noninterest income to average assets | 0.4274% | 3,306 |
| Noninterest expense to average assets | 2.5089% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6066% | 950 |
| Return on assets (ROA) | 1.6091% | 950 |
| Pretax return on assets | 2.1618% | 421 |
| Return on Equity (ROE) | 14.4189% | 1,008 |
| Retained earnings to average equity (ytd only) | 14.4189% | 209 |
| Net charge-offs to loans | -0.0044% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7522% | 4,630 |
| Assets per employee ($millions) | 4.4303% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 2,021 |
| Loan loss allowance to noncurrent loans | 335.3945% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.9606% | 1,520 |
| Noncurrent loans to loans | 0.3925% | 3,246 |
| Net loans and leases to total assets | 73.9380% | 1,995 |
| Net loans and leases to deposits | 88.7607% | 2,057 |
| Net loans and leases to core deposits | 98.7489% | 1,884 |
| Total domestic deposits to total assets | 83.3004% | 3,197 |
| Equity capital to assets | 12.1294% | 1,820 |
| Core capital (leverage) ratio | 12.1628% | 1,685 |
| Tier 1 risk-based capital ratio | 14.8062% | 2,967 |
| Total risk-based capital ratio | 15.9843% | 2,922 |
| Memoranda: | ||
| Average total assets | $165,967,750 | 3,233 |
| Average earning assets | $152,909,250 | 3,242 |
| Average equity | $18,521,500 | 3,257 |
| Average total loans | $121,969,250 | 3,000 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3389% | 437 |
| Cost of funding earning assets | 0.8215% | 1,038 |
| Net interest margin | 4.5174% | 676 |
| Noninterest income to average assets | 0.4211% | 3,345 |
| Noninterest expense to average assets | 2.4589% | 3,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5869% | 943 |
| Return on assets (ROA) | 1.5869% | 949 |
| Pretax return on assets | 2.1293% | 460 |
| Return on Equity (ROE) | 14.6216% | 931 |
| Retained earnings to average equity (ytd only) | 14.6216% | 227 |
| Net charge-offs to loans | -0.0195% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5909% | 4,734 |
| Assets per employee ($millions) | 4.7736% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 2,347 |
| Loan loss allowance to noncurrent loans | 305.2124% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.9894% | 1,518 |
| Noncurrent loans to loans | 0.4146% | 3,212 |
| Net loans and leases to total assets | 73.8375% | 1,968 |
| Net loans and leases to deposits | 90.8083% | 1,736 |
| Net loans and leases to core deposits | 99.5064% | 1,771 |
| Total domestic deposits to total assets | 81.3114% | 3,908 |
| Equity capital to assets | 11.2429% | 2,417 |
| Core capital (leverage) ratio | 11.3404% | 2,212 |
| Tier 1 risk-based capital ratio | 13.8876% | 3,412 |
| Total risk-based capital ratio | 15.0371% | 3,379 |
| Memoranda: | ||
| Average total assets | $168,127,330 | 3,235 |
| Average earning assets | $155,088,670 | 3,230 |
| Average equity | $18,247,000 | 3,307 |
| Average total loans | $122,793,670 | 3,004 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1525% | 541 |
| Cost of funding earning assets | 0.7717% | 1,095 |
| Net interest margin | 4.3807% | 799 |
| Noninterest income to average assets | 0.4317% | 3,224 |
| Noninterest expense to average assets | 2.4192% | 3,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5250% | 1,021 |
| Return on assets (ROA) | 1.5250% | 1,025 |
| Pretax return on assets | 2.0515% | 519 |
| Return on Equity (ROE) | 14.3060% | 947 |
| Retained earnings to average equity (ytd only) | 14.3060% | 385 |
| Net charge-offs to loans | -0.0033% | 3,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1114% | 4,788 |
| Assets per employee ($millions) | 5.0812% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,362 |
| Loan loss allowance to noncurrent loans | 272.5694% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.9991% | 1,569 |
| Noncurrent loans to loans | 0.4678% | 3,128 |
| Net loans and leases to total assets | 70.3571% | 2,418 |
| Net loans and leases to deposits | 83.4087% | 2,461 |
| Net loans and leases to core deposits | 89.9251% | 2,454 |
| Total domestic deposits to total assets | 84.3523% | 3,167 |
| Equity capital to assets | 10.5082% | 3,071 |
| Core capital (leverage) ratio | 11.0610% | 2,370 |
| Tier 1 risk-based capital ratio | 13.5600% | 3,625 |
| Total risk-based capital ratio | 14.7164% | 3,592 |
| Memoranda: | ||
| Average total assets | $168,653,500 | 3,262 |
| Average earning assets | $155,498,500 | 3,259 |
| Average equity | $17,978,500 | 3,358 |
| Average total loans | $121,718,000 | 3,039 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0972% | 537 |
| Cost of funding earning assets | 0.6436% | 1,336 |
| Net interest margin | 4.4535% | 686 |
| Noninterest income to average assets | 0.3926% | 3,688 |
| Noninterest expense to average assets | 2.7335% | 3,020 |
| Loan and lease loss provision to assets | 0.1270% | 1,801 |
| Net operating income to assets | 1.0090% | 2,202 |
| Return on assets (ROA) | 1.0094% | 2,233 |
| Pretax return on assets | 1.6250% | 1,227 |
| Return on Equity (ROE) | 8.9234% | 2,352 |
| Retained earnings to average equity (ytd only) | 4.4308% | 2,499 |
| Net charge-offs to loans | -0.0037% | 4,590 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9490% | 4,123 |
| Assets per employee ($millions) | 4.7013% | 2,863 |
| Cash dividends to net income (ytd only)* | 50.3461% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 2,197 |
| Loan loss allowance to noncurrent loans | 259.3388% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 1.0666% | 1,431 |
| Noncurrent loans to loans | 0.5028% | 3,016 |
| Net loans and leases to total assets | 72.1666% | 2,207 |
| Net loans and leases to deposits | 86.4905% | 2,194 |
| Net loans and leases to core deposits | 93.6927% | 2,222 |
| Total domestic deposits to total assets | 83.4388% | 3,408 |
| Equity capital to assets | 10.8194% | 2,818 |
| Core capital (leverage) ratio | 11.1225% | 2,224 |
| Tier 1 risk-based capital ratio | 13.1943% | 3,797 |
| Total risk-based capital ratio | 14.3594% | 3,757 |
| Memoranda: | ||
| Average total assets | $157,418,400 | 3,387 |
| Average earning assets | $144,649,000 | 3,390 |
| Average equity | $17,807,200 | 3,392 |
| Average total loans | $109,247,200 | 3,197 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0470% | 556 |
| Cost of funding earning assets | 0.6269% | 1,371 |
| Net interest margin | 4.4201% | 704 |
| Noninterest income to average assets | 0.3932% | 3,734 |
| Noninterest expense to average assets | 2.4621% | 3,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3590% | 1,186 |
| Return on assets (ROA) | 1.3595% | 1,202 |
| Pretax return on assets | 1.9969% | 555 |
| Return on Equity (ROE) | 11.8819% | 1,372 |
| Retained earnings to average equity (ytd only) | 11.8819% | 304 |
| Net charge-offs to loans | -0.0038% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2267% | 4,822 |
| Assets per employee ($millions) | 4.4222% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,704 |
| Loan loss allowance to noncurrent loans | 215.7729% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 1.1526% | 1,432 |
| Noncurrent loans to loans | 0.5739% | 2,976 |
| Net loans and leases to total assets | 70.4954% | 2,485 |
| Net loans and leases to deposits | 83.0656% | 2,650 |
| Net loans and leases to core deposits | 89.9780% | 2,612 |
| Total domestic deposits to total assets | 84.8672% | 2,763 |
| Equity capital to assets | 12.0729% | 1,920 |
| Core capital (leverage) ratio | 11.9177% | 1,748 |
| Tier 1 risk-based capital ratio | 14.8756% | 2,971 |
| Total risk-based capital ratio | 15.9717% | 2,985 |
| Memoranda: | ||
| Average total assets | $155,636,250 | 3,435 |
| Average earning assets | $143,130,250 | 3,438 |
| Average equity | $17,808,250 | 3,425 |
| Average total loans | $106,479,750 | 3,267 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 667 |
| Cost of funding earning assets | 0.6335% | 1,239 |
| Net interest margin | 4.2824% | 906 |
| Noninterest income to average assets | 0.3899% | 3,749 |
| Noninterest expense to average assets | 2.4486% | 3,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2972% | 1,306 |
| Return on assets (ROA) | 1.2981% | 1,326 |
| Pretax return on assets | 1.8791% | 692 |
| Return on Equity (ROE) | 11.5554% | 1,444 |
| Retained earnings to average equity (ytd only) | 11.5554% | 365 |
| Net charge-offs to loans | -0.0057% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5965% | 4,756 |
| Assets per employee ($millions) | 4.5501% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 2,394 |
| Loan loss allowance to noncurrent loans | 197.1182% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 1.3471% | 1,195 |
| Noncurrent loans to loans | 0.6612% | 2,764 |
| Net loans and leases to total assets | 66.9584% | 2,957 |
| Net loans and leases to deposits | 78.1044% | 3,110 |
| Net loans and leases to core deposits | 83.7803% | 3,092 |
| Total domestic deposits to total assets | 85.7293% | 2,514 |
| Equity capital to assets | 11.7329% | 2,127 |
| Core capital (leverage) ratio | 11.6001% | 1,894 |
| Tier 1 risk-based capital ratio | 14.9771% | 2,936 |
| Total risk-based capital ratio | 16.1160% | 2,913 |
| Memoranda: | ||
| Average total assets | $155,923,000 | 3,442 |
| Average earning assets | $143,330,670 | 3,446 |
| Average equity | $17,515,670 | 3,465 |
| Average total loans | $105,147,000 | 3,298 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8975% | 636 |
| Cost of funding earning assets | 0.6766% | 947 |
| Net interest margin | 4.2209% | 947 |
| Noninterest income to average assets | 0.4114% | 3,583 |
| Noninterest expense to average assets | 2.3995% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2700% | 1,323 |
| Return on assets (ROA) | 1.2700% | 1,355 |
| Pretax return on assets | 1.8859% | 661 |
| Return on Equity (ROE) | 11.5595% | 1,386 |
| Retained earnings to average equity (ytd only) | 11.5595% | 523 |
| Net charge-offs to loans | -0.0076% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9928% | 4,940 |
| Assets per employee ($millions) | 5.1463% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 2,523 |
| Loan loss allowance to noncurrent loans | 173.6976% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 1.3646% | 1,228 |
| Noncurrent loans to loans | 0.7499% | 2,616 |
| Net loans and leases to total assets | 64.9283% | 3,127 |
| Net loans and leases to deposits | 76.6727% | 3,116 |
| Net loans and leases to core deposits | 82.8294% | 3,010 |
| Total domestic deposits to total assets | 84.6825% | 3,224 |
| Equity capital to assets | 10.9630% | 2,669 |
| Core capital (leverage) ratio | 11.1922% | 2,192 |
| Tier 1 risk-based capital ratio | 14.7013% | 3,115 |
| Total risk-based capital ratio | 15.8513% | 3,085 |
| Memoranda: | ||
| Average total assets | $156,533,500 | 3,464 |
| Average earning assets | $143,665,000 | 3,479 |
| Average equity | $17,198,000 | 3,520 |
| Average total loans | $105,243,500 | 3,312 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 759 |
| Cost of funding earning assets | 0.6517% | 1,046 |
| Net interest margin | 4.2351% | 1,046 |
| Noninterest income to average assets | 0.3453% | 4,267 |
| Noninterest expense to average assets | 2.7653% | 3,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0014% | 2,352 |
| Return on assets (ROA) | 1.0280% | 2,333 |
| Pretax return on assets | 1.4896% | 1,612 |
| Return on Equity (ROE) | 8.9525% | 2,445 |
| Retained earnings to average equity (ytd only) | 2.8222% | 3,893 |
| Net charge-offs to loans | 0.0020% | 4,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1,092.5000% | 65 |
| Efficiency ratio | 65.5851% | 3,665 |
| Assets per employee ($millions) | 4.7978% | 2,653 |
| Cash dividends to net income (ytd only)* | 68.4755% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,583 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 1.4388% | 1,179 |
| Noncurrent loans to loans | 0.7760% | 2,583 |
| Net loans and leases to total assets | 67.8501% | 2,796 |
| Net loans and leases to deposits | 80.0287% | 2,884 |
| Net loans and leases to core deposits | 86.7087% | 2,788 |
| Total domestic deposits to total assets | 84.7822% | 3,135 |
| Equity capital to assets | 11.0115% | 2,621 |
| Core capital (leverage) ratio | 11.1261% | 2,231 |
| Tier 1 risk-based capital ratio | 14.1658% | 3,370 |
| Total risk-based capital ratio | 15.3047% | 3,348 |
| Memoranda: | ||
| Average total assets | $150,581,000 | 3,514 |
| Average earning assets | $137,635,000 | 3,522 |
| Average equity | $17,291,200 | 3,515 |
| Average total loans | $102,263,000 | 3,348 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 699 |
| Cost of funding earning assets | 0.6536% | 1,043 |
| Net interest margin | 4.2659% | 995 |
| Noninterest income to average assets | 0.4351% | 3,660 |
| Noninterest expense to average assets | 2.5324% | 3,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2123% | 1,599 |
| Return on assets (ROA) | 1.2439% | 1,581 |
| Pretax return on assets | 1.8526% | 798 |
| Return on Equity (ROE) | 10.7201% | 1,781 |
| Retained earnings to average equity (ytd only) | 8.0362% | 1,153 |
| Net charge-offs to loans | 0.0066% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 405.5877% | 223 |
| Efficiency ratio | 58.3795% | 4,766 |
| Assets per employee ($millions) | 4.4382% | 3,181 |
| Cash dividends to net income (ytd only)* | 25.0361% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3607% | 2,382 |
| Loan loss allowance to noncurrent loans | 159.8592% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 1.5990% | 1,091 |
| Noncurrent loans to loans | 0.8512% | 2,552 |
| Net loans and leases to total assets | 67.4107% | 2,885 |
| Net loans and leases to deposits | 79.9797% | 2,965 |
| Net loans and leases to core deposits | 86.4992% | 2,905 |
| Total domestic deposits to total assets | 84.2847% | 3,100 |
| Equity capital to assets | 12.2366% | 1,952 |
| Core capital (leverage) ratio | 11.8936% | 1,748 |
| Tier 1 risk-based capital ratio | 15.0549% | 3,030 |
| Total risk-based capital ratio | 16.2240% | 2,992 |
| Memoranda: | ||
| Average total assets | $149,843,500 | 3,544 |
| Average earning assets | $137,082,250 | 3,556 |
| Average equity | $17,387,500 | 3,524 |
| Average total loans | $101,444,750 | 3,369 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 845 |
| Cost of funding earning assets | 0.6504% | 1,055 |
| Net interest margin | 4.1738% | 1,173 |
| Noninterest income to average assets | 0.4531% | 3,501 |
| Noninterest expense to average assets | 2.5276% | 3,964 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1823% | 1,664 |
| Return on assets (ROA) | 1.2294% | 1,599 |
| Pretax return on assets | 1.8215% | 842 |
| Return on Equity (ROE) | 10.7848% | 1,726 |
| Retained earnings to average equity (ytd only) | 9.6227% | 678 |
| Net charge-offs to loans | 0.0314% | 2,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 82.6250% | 688 |
| Efficiency ratio | 59.0712% | 4,761 |
| Assets per employee ($millions) | 4.6238% | 2,834 |
| Cash dividends to net income (ytd only)* | 10.7759% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 2,553 |
| Loan loss allowance to noncurrent loans | 162.3798% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.7038% | 1,051 |
| Noncurrent loans to loans | 0.8279% | 2,675 |
| Net loans and leases to total assets | 67.0077% | 2,940 |
| Net loans and leases to deposits | 79.5427% | 2,996 |
| Net loans and leases to core deposits | 86.2514% | 2,875 |
| Total domestic deposits to total assets | 84.2412% | 3,178 |
| Equity capital to assets | 11.9923% | 2,125 |
| Core capital (leverage) ratio | 11.4729% | 2,014 |
| Tier 1 risk-based capital ratio | 14.8961% | 3,121 |
| Total risk-based capital ratio | 16.0582% | 3,101 |
| Memoranda: | ||
| Average total assets | $150,970,670 | 3,548 |
| Average earning assets | $138,386,330 | 3,556 |
| Average equity | $17,209,330 | 3,558 |
| Average total loans | $101,895,330 | 3,373 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7913% | 867 |
| Cost of funding earning assets | 0.6390% | 1,108 |
| Net interest margin | 4.1523% | 1,211 |
| Noninterest income to average assets | 0.4434% | 3,529 |
| Noninterest expense to average assets | 2.4712% | 4,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1963% | 1,570 |
| Return on assets (ROA) | 1.1963% | 1,671 |
| Pretax return on assets | 1.7734% | 891 |
| Return on Equity (ROE) | 10.7661% | 1,688 |
| Retained earnings to average equity (ytd only) | 8.4051% | 1,297 |
| Net charge-offs to loans | 0.0897% | 1,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 29.3913% | 1,193 |
| Efficiency ratio | 58.2200% | 4,967 |
| Assets per employee ($millions) | 4.8169% | 2,556 |
| Cash dividends to net income (ytd only)* | 21.9298% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 2,729 |
| Loan loss allowance to noncurrent loans | 157.0093% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.6881% | 1,154 |
| Noncurrent loans to loans | 0.8510% | 2,720 |
| Net loans and leases to total assets | 64.3884% | 3,192 |
| Net loans and leases to deposits | 75.7753% | 3,245 |
| Net loans and leases to core deposits | 81.8731% | 3,137 |
| Total domestic deposits to total assets | 84.9728% | 3,145 |
| Equity capital to assets | 11.1463% | 2,775 |
| Core capital (leverage) ratio | 11.1740% | 2,245 |
| Tier 1 risk-based capital ratio | 14.5807% | 3,349 |
| Total risk-based capital ratio | 15.7440% | 3,335 |
| Memoranda: | ||
| Average total assets | $152,475,000 | 3,548 |
| Average earning assets | $139,585,500 | 3,565 |
| Average equity | $16,942,000 | 3,600 |
| Average total loans | $102,594,500 | 3,380 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7639% | 984 |
| Cost of funding earning assets | 0.6782% | 926 |
| Net interest margin | 4.0856% | 1,446 |
| Noninterest income to average assets | 0.6563% | 2,430 |
| Noninterest expense to average assets | 2.4206% | 4,464 |
| Loan and lease loss provision to assets | 0.6746% | 151 |
| Net operating income to assets | 0.9190% | 2,763 |
| Return on assets (ROA) | 0.9190% | 2,851 |
| Pretax return on assets | 1.3185% | 2,207 |
| Return on Equity (ROE) | 8.4401% | 2,741 |
| Retained earnings to average equity (ytd only) | 3.9507% | 3,223 |
| Net charge-offs to loans | 0.9265% | 224 |
| Credit loss provision to net charge-offs | 106.8111% | 2,356 |
| Earnings coverage of net charge-offs (x) | 3.1558% | 3,763 |
| Efficiency ratio | 54.8435% | 5,458 |
| Assets per employee ($millions) | 4.8648% | 2,510 |
| Cash dividends to net income (ytd only)* | 53.1915% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,859 |
| Loan loss allowance to noncurrent loans | 141.6580% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.9966% | 885 |
| Noncurrent loans to loans | 0.9226% | 2,495 |
| Net loans and leases to total assets | 68.4502% | 2,636 |
| Net loans and leases to deposits | 80.0765% | 2,812 |
| Net loans and leases to core deposits | 86.6233% | 2,741 |
| Total domestic deposits to total assets | 85.4810% | 2,870 |
| Equity capital to assets | 11.0756% | 2,746 |
| Core capital (leverage) ratio | 11.0004% | 2,405 |
| Tier 1 risk-based capital ratio | 13.7387% | 3,864 |
| Total risk-based capital ratio | 14.8776% | 3,861 |
| Memoranda: | ||
| Average total assets | $153,434,600 | 3,521 |
| Average earning assets | $141,103,800 | 3,526 |
| Average equity | $16,706,000 | 3,567 |
| Average total loans | $104,586,400 | 3,311 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7628% | 998 |
| Cost of funding earning assets | 0.7051% | 817 |
| Net interest margin | 4.0577% | 1,538 |
| Noninterest income to average assets | 0.6083% | 2,696 |
| Noninterest expense to average assets | 2.2947% | 4,791 |
| Loan and lease loss provision to assets | 0.8090% | 86 |
| Net operating income to assets | 0.8722% | 3,079 |
| Return on assets (ROA) | 0.8722% | 3,163 |
| Pretax return on assets | 1.2391% | 2,657 |
| Return on Equity (ROE) | 8.0445% | 3,053 |
| Retained earnings to average equity (ytd only) | 6.8474% | 1,762 |
| Net charge-offs to loans | 1.1882% | 137 |
| Credit loss provision to net charge-offs | 100.3219% | 2,253 |
| Earnings coverage of net charge-offs (x) | 2.5397% | 3,655 |
| Efficiency ratio | 52.8392% | 5,594 |
| Assets per employee ($millions) | 4.4618% | 3,079 |
| Cash dividends to net income (ytd only)* | 14.8813% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 3,040 |
| Loan loss allowance to noncurrent loans | 38.3079% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 2.8484% | 559 |
| Noncurrent loans to loans | 3.4173% | 469 |
| Net loans and leases to total assets | 66.7681% | 2,885 |
| Net loans and leases to deposits | 77.3646% | 3,160 |
| Net loans and leases to core deposits | 84.3006% | 3,012 |
| Total domestic deposits to total assets | 86.3031% | 2,386 |
| Equity capital to assets | 11.5269% | 2,485 |
| Core capital (leverage) ratio | 11.1315% | 2,369 |
| Tier 1 risk-based capital ratio | 14.6094% | 3,497 |
| Total risk-based capital ratio | 15.7510% | 3,485 |
| Memoranda: | ||
| Average total assets | $154,091,000 | 3,536 |
| Average earning assets | $141,817,000 | 3,545 |
| Average equity | $16,706,750 | 3,601 |
| Average total loans | $104,584,000 | 3,331 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7632% | 961 |
| Cost of funding earning assets | 0.7340% | 701 |
| Net interest margin | 4.0292% | 1,557 |
| Noninterest income to average assets | 0.6574% | 2,433 |
| Noninterest expense to average assets | 2.2446% | 4,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4401% | 1,012 |
| Return on assets (ROA) | 1.4401% | 1,052 |
| Pretax return on assets | 2.1269% | 472 |
| Return on Equity (ROE) | 13.5513% | 995 |
| Retained earnings to average equity (ytd only) | 11.7461% | 424 |
| Net charge-offs to loans | -0.0038% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3458% | 5,765 |
| Assets per employee ($millions) | 5.0415% | 2,224 |
| Cash dividends to net income (ytd only)* | 13.3215% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 3,815 |
| Loan loss allowance to noncurrent loans | 138.3227% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 1.1447% | 2,216 |
| Noncurrent loans to loans | 0.8649% | 2,965 |
| Net loans and leases to total assets | 68.8558% | 2,509 |
| Net loans and leases to deposits | 82.2653% | 2,523 |
| Net loans and leases to core deposits | 89.3498% | 2,408 |
| Total domestic deposits to total assets | 83.6998% | 3,692 |
| Equity capital to assets | 10.8903% | 3,001 |
| Core capital (leverage) ratio | 10.4152% | 3,067 |
| Tier 1 risk-based capital ratio | 13.5768% | 4,172 |
| Total risk-based capital ratio | 14.6294% | 4,220 |
| Memoranda: | ||
| Average total assets | $156,375,330 | 3,539 |
| Average earning assets | $144,147,670 | 3,539 |
| Average equity | $16,618,330 | 3,622 |
| Average total loans | $106,241,330 | 3,320 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 985 |
| Cost of funding earning assets | 0.7007% | 848 |
| Net interest margin | 4.0288% | 1,469 |
| Noninterest income to average assets | 0.9436% | 1,255 |
| Noninterest expense to average assets | 2.2427% | 5,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6417% | 663 |
| Return on assets (ROA) | 1.6417% | 693 |
| Pretax return on assets | 2.4063% | 273 |
| Return on Equity (ROE) | 15.6418% | 610 |
| Retained earnings to average equity (ytd only) | 11.9872% | 577 |
| Net charge-offs to loans | -0.0038% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2398% | 6,011 |
| Assets per employee ($millions) | 5.1461% | 2,173 |
| Cash dividends to net income (ytd only)* | 23.3645% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 3,683 |
| Loan loss allowance to noncurrent loans | 130.2000% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 1.2145% | 2,205 |
| Noncurrent loans to loans | 0.9603% | 2,856 |
| Net loans and leases to total assets | 62.4450% | 3,296 |
| Net loans and leases to deposits | 74.0817% | 3,303 |
| Net loans and leases to core deposits | 80.6817% | 3,084 |
| Total domestic deposits to total assets | 84.2922% | 3,700 |
| Equity capital to assets | 10.1302% | 3,973 |
| Core capital (leverage) ratio | 10.4008% | 3,097 |
| Tier 1 risk-based capital ratio | 13.6944% | 4,227 |
| Total risk-based capital ratio | 14.7868% | 4,221 |
| Memoranda: | ||
| Average total assets | $156,420,000 | 3,557 |
| Average earning assets | $143,863,500 | 3,565 |
| Average equity | $16,417,500 | 3,674 |
| Average total loans | $104,904,500 | 3,357 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9276% | 877 |
| Cost of funding earning assets | 0.6942% | 1,140 |
| Net interest margin | 4.2335% | 1,207 |
| Noninterest income to average assets | 0.4479% | 3,845 |
| Noninterest expense to average assets | 2.6567% | 4,017 |
| Loan and lease loss provision to assets | 0.0691% | 3,100 |
| Net operating income to assets | 1.0551% | 2,146 |
| Return on assets (ROA) | 1.1065% | 2,005 |
| Pretax return on assets | 1.6428% | 1,116 |
| Return on Equity (ROE) | 10.0998% | 2,073 |
| Retained earnings to average equity (ytd only) | 5.6839% | 2,143 |
| Net charge-offs to loans | -0.0280% | 5,773 |
| Credit loss provision to net charge-offs | -357.1429% | 5,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9002% | 4,933 |
| Assets per employee ($millions) | 4.4898% | 3,059 |
| Cash dividends to net income (ytd only)* | 43.7227% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 3,817 |
| Loan loss allowance to noncurrent loans | 125.5792% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.7656% | 1,491 |
| Noncurrent loans to loans | 0.9804% | 2,876 |
| Net loans and leases to total assets | 70.4449% | 2,166 |
| Net loans and leases to deposits | 83.1182% | 2,323 |
| Net loans and leases to core deposits | 91.4984% | 2,147 |
| Total domestic deposits to total assets | 84.7527% | 3,393 |
| Equity capital to assets | 10.9021% | 3,009 |
| Core capital (leverage) ratio | 10.7619% | 2,658 |
| Tier 1 risk-based capital ratio | 13.0939% | 4,661 |
| Total risk-based capital ratio | 14.1700% | 4,701 |
| Memoranda: | ||
| Average total assets | $144,689,400 | 3,711 |
| Average earning assets | $131,381,200 | 3,734 |
| Average equity | $15,851,800 | 3,693 |
| Average total loans | $100,022,000 | 3,420 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9219% | 889 |
| Cost of funding earning assets | 0.7186% | 1,055 |
| Net interest margin | 4.2033% | 1,283 |
| Noninterest income to average assets | 0.4561% | 3,847 |
| Noninterest expense to average assets | 2.4567% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2196% | 1,608 |
| Return on assets (ROA) | 1.2895% | 1,449 |
| Pretax return on assets | 1.9088% | 707 |
| Return on Equity (ROE) | 11.7556% | 1,542 |
| Retained earnings to average equity (ytd only) | 11.7556% | 435 |
| Net charge-offs to loans | -0.0365% | 5,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6338% | 5,490 |
| Assets per employee ($millions) | 4.6079% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 4,293 |
| Loan loss allowance to noncurrent loans | 113.1008% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.8989% | 1,546 |
| Noncurrent loans to loans | 1.0507% | 2,971 |
| Net loans and leases to total assets | 67.6704% | 2,588 |
| Net loans and leases to deposits | 83.7744% | 2,187 |
| Net loans and leases to core deposits | 92.9848% | 1,956 |
| Total domestic deposits to total assets | 80.7769% | 4,890 |
| Equity capital to assets | 11.2436% | 2,709 |
| Core capital (leverage) ratio | 11.4407% | 2,108 |
| Tier 1 risk-based capital ratio | 13.9335% | 4,264 |
| Total risk-based capital ratio | 14.9580% | 4,348 |
| Memoranda: | ||
| Average total assets | $143,820,750 | 3,764 |
| Average earning assets | $130,243,750 | 3,785 |
| Average equity | $15,776,500 | 3,724 |
| Average total loans | $98,608,750 | 3,471 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9404% | 835 |
| Cost of funding earning assets | 0.7595% | 884 |
| Net interest margin | 4.1809% | 1,292 |
| Noninterest income to average assets | 0.3744% | 4,446 |
| Noninterest expense to average assets | 2.4851% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1362% | 1,796 |
| Return on assets (ROA) | 1.2411% | 1,534 |
| Pretax return on assets | 1.8344% | 788 |
| Return on Equity (ROE) | 11.4127% | 1,596 |
| Retained earnings to average equity (ytd only) | 11.4127% | 485 |
| Net charge-offs to loans | -0.0532% | 5,909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6633% | 5,342 |
| Assets per employee ($millions) | 4.3429% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 4,335 |
| Loan loss allowance to noncurrent loans | 117.7800% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 2.1038% | 1,488 |
| Noncurrent loans to loans | 1.0351% | 3,164 |
| Net loans and leases to total assets | 67.7870% | 2,444 |
| Net loans and leases to deposits | 84.1890% | 2,020 |
| Net loans and leases to core deposits | 92.8314% | 1,875 |
| Total domestic deposits to total assets | 80.5177% | 5,120 |
| Equity capital to assets | 11.1942% | 2,701 |
| Core capital (leverage) ratio | 10.9474% | 2,471 |
| Tier 1 risk-based capital ratio | 13.7288% | 4,428 |
| Total risk-based capital ratio | 14.7750% | 4,505 |
| Memoranda: | ||
| Average total assets | $142,610,000 | 3,806 |
| Average earning assets | $129,301,000 | 3,822 |
| Average equity | $15,509,000 | 3,768 |
| Average total loans | $97,817,670 | 3,496 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 1,004 |
| Cost of funding earning assets | 0.7752% | 858 |
| Net interest margin | 4.0465% | 1,614 |
| Noninterest income to average assets | 0.3824% | 4,329 |
| Noninterest expense to average assets | 2.5194% | 4,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0388% | 2,049 |
| Return on assets (ROA) | 1.1669% | 1,645 |
| Pretax return on assets | 1.7208% | 934 |
| Return on Equity (ROE) | 10.8910% | 1,721 |
| Retained earnings to average equity (ytd only) | 10.8910% | 762 |
| Net charge-offs to loans | -0.0779% | 6,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1790% | 5,095 |
| Assets per employee ($millions) | 4.3558% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 4,491 |
| Loan loss allowance to noncurrent loans | 114.1762% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 2.1831% | 1,520 |
| Noncurrent loans to loans | 1.0771% | 3,265 |
| Net loans and leases to total assets | 66.6015% | 2,465 |
| Net loans and leases to deposits | 77.8134% | 2,584 |
| Net loans and leases to core deposits | 85.0635% | 2,413 |
| Total domestic deposits to total assets | 85.5913% | 3,563 |
| Equity capital to assets | 10.7541% | 2,982 |
| Core capital (leverage) ratio | 10.5768% | 2,838 |
| Tier 1 risk-based capital ratio | 13.3339% | 4,805 |
| Total risk-based capital ratio | 14.3812% | 4,866 |
| Memoranda: | ||
| Average total assets | $142,257,500 | 3,845 |
| Average earning assets | $129,000,500 | 3,861 |
| Average equity | $15,242,000 | 3,822 |
| Average total loans | $97,552,500 | 3,524 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0173% | 889 |
| Cost of funding earning assets | 0.7846% | 1,295 |
| Net interest margin | 4.2326% | 1,267 |
| Noninterest income to average assets | 0.1750% | 6,042 |
| Noninterest expense to average assets | 2.6214% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9646% | 2,493 |
| Return on assets (ROA) | 0.9750% | 2,511 |
| Pretax return on assets | 1.4064% | 1,755 |
| Return on Equity (ROE) | 9.1894% | 2,456 |
| Retained earnings to average equity (ytd only) | 7.1698% | 1,373 |
| Net charge-offs to loans | -0.0427% | 6,297 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3257% | 4,682 |
| Assets per employee ($millions) | 4.2659% | 3,325 |
| Cash dividends to net income (ytd only)* | 21.9780% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 4,690 |
| Loan loss allowance to noncurrent loans | 80.6740% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 2.3072% | 1,524 |
| Noncurrent loans to loans | 1.4810% | 2,671 |
| Net loans and leases to total assets | 68.9093% | 2,190 |
| Net loans and leases to deposits | 80.6839% | 2,362 |
| Net loans and leases to core deposits | 89.0553% | 2,132 |
| Total domestic deposits to total assets | 85.4065% | 3,551 |
| Equity capital to assets | 10.6738% | 2,958 |
| Core capital (leverage) ratio | 10.6627% | 2,714 |
| Tier 1 risk-based capital ratio | 12.7109% | 5,169 |
| Total risk-based capital ratio | 13.7242% | 5,259 |
| Memoranda: | ||
| Average total assets | $140,000,800 | 3,872 |
| Average earning assets | $126,942,000 | 3,909 |
| Average equity | $14,854,000 | 3,895 |
| Average total loans | $93,630,800 | 3,608 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0303% | 883 |
| Cost of funding earning assets | 0.7980% | 1,336 |
| Net interest margin | 4.2323% | 1,240 |
| Noninterest income to average assets | 0.3643% | 4,784 |
| Noninterest expense to average assets | 2.4347% | 4,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1995% | 1,640 |
| Return on assets (ROA) | 1.2112% | 1,672 |
| Pretax return on assets | 1.7805% | 943 |
| Return on Equity (ROE) | 11.4327% | 1,672 |
| Retained earnings to average equity (ytd only) | 11.4327% | 509 |
| Net charge-offs to loans | -0.0490% | 6,299 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9964% | 5,684 |
| Assets per employee ($millions) | 4.4248% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 4,841 |
| Loan loss allowance to noncurrent loans | 78.7449% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 2.4881% | 1,548 |
| Noncurrent loans to loans | 1.5288% | 2,871 |
| Net loans and leases to total assets | 67.6396% | 2,346 |
| Net loans and leases to deposits | 82.9764% | 2,003 |
| Net loans and leases to core deposits | 91.4694% | 1,819 |
| Total domestic deposits to total assets | 81.5167% | 5,082 |
| Equity capital to assets | 10.7555% | 3,007 |
| Core capital (leverage) ratio | 10.6709% | 2,817 |
| Tier 1 risk-based capital ratio | 13.0093% | 5,115 |
| Total risk-based capital ratio | 14.0198% | 5,218 |
| Memoranda: | ||
| Average total assets | $139,807,250 | 3,919 |
| Average earning assets | $126,643,000 | 3,946 |
| Average equity | $14,811,000 | 3,951 |
| Average total loans | $92,493,500 | 3,657 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9965% | 914 |
| Cost of funding earning assets | 0.8132% | 1,347 |
| Net interest margin | 4.1833% | 1,325 |
| Noninterest income to average assets | 0.3261% | 5,088 |
| Noninterest expense to average assets | 2.4150% | 5,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1690% | 1,674 |
| Return on assets (ROA) | 1.1680% | 1,788 |
| Pretax return on assets | 1.7010% | 1,112 |
| Return on Equity (ROE) | 11.0826% | 1,788 |
| Retained earnings to average equity (ytd only) | 11.0826% | 632 |
| Net charge-offs to loans | -0.0483% | 6,257 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6532% | 5,647 |
| Assets per employee ($millions) | 4.3669% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 4,936 |
| Loan loss allowance to noncurrent loans | 70.9024% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 2.6299% | 1,591 |
| Noncurrent loans to loans | 1.7063% | 2,752 |
| Net loans and leases to total assets | 67.4934% | 2,338 |
| Net loans and leases to deposits | 81.7686% | 2,086 |
| Net loans and leases to core deposits | 87.9986% | 2,110 |
| Total domestic deposits to total assets | 82.5420% | 4,870 |
| Equity capital to assets | 10.6490% | 3,120 |
| Core capital (leverage) ratio | 10.4964% | 2,880 |
| Tier 1 risk-based capital ratio | 12.6890% | 5,362 |
| Total risk-based capital ratio | 13.6988% | 5,481 |
| Memoranda: | ||
| Average total assets | $139,212,000 | 3,968 |
| Average earning assets | $126,167,330 | 3,984 |
| Average equity | $14,671,670 | 4,012 |
| Average total loans | $91,011,330 | 3,701 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 911 |
| Cost of funding earning assets | 0.7936% | 1,565 |
| Net interest margin | 4.1941% | 1,201 |
| Noninterest income to average assets | 0.3397% | 4,977 |
| Noninterest expense to average assets | 2.4239% | 5,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1688% | 1,614 |
| Return on assets (ROA) | 1.1688% | 1,724 |
| Pretax return on assets | 1.7042% | 1,064 |
| Return on Equity (ROE) | 11.1485% | 1,665 |
| Retained earnings to average equity (ytd only) | 11.1485% | 845 |
| Net charge-offs to loans | -0.0045% | 5,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7169% | 5,752 |
| Assets per employee ($millions) | 4.5147% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 4,778 |
| Loan loss allowance to noncurrent loans | 63.4583% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 2.7630% | 1,643 |
| Noncurrent loans to loans | 2.0229% | 2,594 |
| Net loans and leases to total assets | 62.3070% | 3,000 |
| Net loans and leases to deposits | 73.0215% | 3,048 |
| Net loans and leases to core deposits | 78.6811% | 2,974 |
| Total domestic deposits to total assets | 85.3269% | 3,880 |
| Equity capital to assets | 10.5311% | 3,510 |
| Core capital (leverage) ratio | 10.2805% | 3,039 |
| Tier 1 risk-based capital ratio | 13.3776% | 4,953 |
| Total risk-based capital ratio | 14.4407% | 5,023 |
| Memoranda: | ||
| Average total assets | $138,947,500 | 4,005 |
| Average earning assets | $125,511,000 | 4,034 |
| Average equity | $14,567,000 | 4,081 |
| Average total loans | $88,781,500 | 3,775 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2330% | 1,058 |
| Cost of funding earning assets | 0.9099% | 1,884 |
| Net interest margin | 4.3232% | 1,343 |
| Noninterest income to average assets | -0.3297% | 7,000 |
| Noninterest expense to average assets | 2.5585% | 4,900 |
| Loan and lease loss provision to assets | 0.0568% | 5,069 |
| Net operating income to assets | 0.7149% | 3,668 |
| Return on assets (ROA) | 0.7950% | 3,555 |
| Pretax return on assets | 1.0421% | 3,389 |
| Return on Equity (ROE) | 7.4830% | 3,352 |
| Retained earnings to average equity (ytd only) | 6.0563% | 2,046 |
| Net charge-offs to loans | 0.0896% | 4,777 |
| Credit loss provision to net charge-offs | 98.6842% | 3,143 |
| Earnings coverage of net charge-offs (x) | 17.2500% | 1,515 |
| Efficiency ratio | 72.0290% | 3,412 |
| Assets per employee ($millions) | 4.3106% | 3,331 |
| Cash dividends to net income (ytd only)* | 19.0658% | 3,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 4,782 |
| Loan loss allowance to noncurrent loans | 62.5967% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 2.8462% | 1,681 |
| Noncurrent loans to loans | 2.0286% | 2,666 |
| Net loans and leases to total assets | 63.8642% | 2,919 |
| Net loans and leases to deposits | 72.6726% | 3,304 |
| Net loans and leases to core deposits | 78.7649% | 3,164 |
| Total domestic deposits to total assets | 87.8793% | 2,303 |
| Equity capital to assets | 10.4358% | 3,609 |
| Core capital (leverage) ratio | 10.4402% | 2,835 |
| Tier 1 risk-based capital ratio | 13.0481% | 5,074 |
| Total risk-based capital ratio | 14.1144% | 5,145 |
| Memoranda: | ||
| Average total assets | $131,950,200 | 4,104 |
| Average earning assets | $118,478,400 | 4,143 |
| Average equity | $14,018,400 | 4,155 |
| Average total loans | $84,816,400 | 3,881 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2436% | 1,107 |
| Cost of funding earning assets | 0.9540% | 1,833 |
| Net interest margin | 4.2896% | 1,503 |
| Noninterest income to average assets | -0.2872% | 7,094 |
| Noninterest expense to average assets | 2.4662% | 5,187 |
| Loan and lease loss provision to assets | 0.0767% | 4,683 |
| Net operating income to assets | 0.7751% | 3,574 |
| Return on assets (ROA) | 0.8831% | 3,304 |
| Pretax return on assets | 1.1631% | 3,120 |
| Return on Equity (ROE) | 8.2731% | 3,150 |
| Retained earnings to average equity (ytd only) | 8.2731% | 1,506 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1999% | 3,842 |
| Assets per employee ($millions) | 3.9200% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 4,100 |
| Loan loss allowance to noncurrent loans | 43.7726% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 4.0346% | 1,195 |
| Noncurrent loans to loans | 3.3424% | 1,646 |
| Net loans and leases to total assets | 64.9131% | 2,861 |
| Net loans and leases to deposits | 74.4394% | 3,221 |
| Net loans and leases to core deposits | 81.4677% | 3,025 |
| Total domestic deposits to total assets | 87.2026% | 2,555 |
| Equity capital to assets | 11.5784% | 2,669 |
| Core capital (leverage) ratio | 10.8515% | 2,545 |
| Tier 1 risk-based capital ratio | 13.9744% | 4,547 |
| Total risk-based capital ratio | 15.1976% | 4,518 |
| Memoranda: | ||
| Average total assets | $130,453,250 | 4,175 |
| Average earning assets | $117,116,750 | 4,219 |
| Average equity | $13,924,250 | 4,209 |
| Average total loans | $83,714,000 | 3,965 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1917% | 1,276 |
| Cost of funding earning assets | 0.9894% | 1,831 |
| Net interest margin | 4.2024% | 1,746 |
| Noninterest income to average assets | -0.4571% | 7,187 |
| Noninterest expense to average assets | 2.4371% | 5,334 |
| Loan and lease loss provision to assets | 0.0757% | 4,678 |
| Net operating income to assets | 0.6482% | 4,121 |
| Return on assets (ROA) | 0.6494% | 4,369 |
| Pretax return on assets | 0.7992% | 4,476 |
| Return on Equity (ROE) | 6.2517% | 4,185 |
| Retained earnings to average equity (ytd only) | 6.2517% | 2,536 |
| Net charge-offs to loans | 0.2189% | 3,258 |
| Credit loss provision to net charge-offs | 54.3478% | 3,947 |
| Earnings coverage of net charge-offs (x) | 6.2717% | 2,670 |
| Efficiency ratio | 73.6168% | 3,140 |
| Assets per employee ($millions) | 4.0922% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 4,923 |
| Loan loss allowance to noncurrent loans | 37.6292% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 4.1123% | 1,224 |
| Noncurrent loans to loans | 3.4343% | 1,683 |
| Net loans and leases to total assets | 63.6945% | 3,104 |
| Net loans and leases to deposits | 72.3751% | 3,556 |
| Net loans and leases to core deposits | 80.7724% | 3,119 |
| Total domestic deposits to total assets | 88.0061% | 2,135 |
| Equity capital to assets | 10.7453% | 3,400 |
| Core capital (leverage) ratio | 9.9150% | 3,542 |
| Tier 1 risk-based capital ratio | 13.0356% | 5,162 |
| Total risk-based capital ratio | 14.1126% | 5,263 |
| Memoranda: | ||
| Average total assets | $132,124,330 | 4,157 |
| Average earning assets | $118,457,330 | 4,210 |
| Average equity | $13,724,330 | 4,253 |
| Average total loans | $84,073,330 | 3,973 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2478% | 1,208 |
| Cost of funding earning assets | 1.0144% | 1,895 |
| Net interest margin | 4.2334% | 1,658 |
| Noninterest income to average assets | -1.0911% | 7,284 |
| Noninterest expense to average assets | 2.4173% | 5,415 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3315% | 5,551 |
| Return on assets (ROA) | 0.3346% | 5,707 |
| Pretax return on assets | 0.2683% | 6,042 |
| Return on Equity (ROE) | 3.2765% | 5,603 |
| Retained earnings to average equity (ytd only) | 3.2765% | 4,605 |
| Net charge-offs to loans | 0.4293% | 2,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.9778% | 3,840 |
| Efficiency ratio | 90.1124% | 1,088 |
| Assets per employee ($millions) | 4.2105% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 4,993 |
| Loan loss allowance to noncurrent loans | 43.2298% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 3.7162% | 1,523 |
| Noncurrent loans to loans | 3.0203% | 2,139 |
| Net loans and leases to total assets | 58.5713% | 3,949 |
| Net loans and leases to deposits | 66.5178% | 4,302 |
| Net loans and leases to core deposits | 73.8769% | 3,914 |
| Total domestic deposits to total assets | 88.0536% | 2,282 |
| Equity capital to assets | 10.1028% | 3,998 |
| Core capital (leverage) ratio | 9.6339% | 3,869 |
| Tier 1 risk-based capital ratio | 13.1940% | 5,072 |
| Total risk-based capital ratio | 14.2783% | 5,163 |
| Memoranda: | ||
| Average total assets | $132,711,500 | 4,169 |
| Average earning assets | $118,296,500 | 4,244 |
| Average equity | $13,551,000 | 4,290 |
| Average total loans | $83,860,000 | 4,012 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7988% | 646 |
| Cost of funding earning assets | 1.1296% | 2,472 |
| Net interest margin | 4.6692% | 801 |
| Noninterest income to average assets | 0.2100% | 6,015 |
| Noninterest expense to average assets | 2.9486% | 3,778 |
| Loan and lease loss provision to assets | 0.6188% | 1,659 |
| Net operating income to assets | 0.6101% | 3,948 |
| Return on assets (ROA) | 0.6938% | 3,703 |
| Pretax return on assets | 0.9110% | 3,573 |
| Return on Equity (ROE) | 6.6119% | 3,582 |
| Retained earnings to average equity (ytd only) | 5.0902% | 2,567 |
| Net charge-offs to loans | 0.7659% | 2,246 |
| Credit loss provision to net charge-offs | 116.0180% | 2,799 |
| Earnings coverage of net charge-offs (x) | 2.6617% | 3,879 |
| Efficiency ratio | 67.5014% | 4,464 |
| Assets per employee ($millions) | 3.9602% | 3,950 |
| Cash dividends to net income (ytd only)* | 23.0150% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 4,944 |
| Loan loss allowance to noncurrent loans | 44.5930% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 4.2452% | 1,318 |
| Noncurrent loans to loans | 2.8977% | 2,256 |
| Net loans and leases to total assets | 66.2846% | 2,731 |
| Net loans and leases to deposits | 75.2851% | 3,296 |
| Net loans and leases to core deposits | 84.0931% | 2,881 |
| Total domestic deposits to total assets | 88.0448% | 2,122 |
| Equity capital to assets | 10.3223% | 3,752 |
| Core capital (leverage) ratio | 9.7434% | 3,681 |
| Tier 1 risk-based capital ratio | 12.3576% | 5,576 |
| Total risk-based capital ratio | 13.4768% | 5,639 |
| Memoranda: | ||
| Average total assets | $125,245,800 | 4,266 |
| Average earning assets | $111,540,600 | 4,354 |
| Average equity | $13,143,000 | 4,314 |
| Average total loans | $87,215,000 | 3,929 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9150% | 543 |
| Cost of funding earning assets | 1.1606% | 2,564 |
| Net interest margin | 4.7544% | 681 |
| Noninterest income to average assets | 0.4359% | 4,394 |
| Noninterest expense to average assets | 2.9650% | 3,687 |
| Loan and lease loss provision to assets | 0.6726% | 1,438 |
| Net operating income to assets | 0.7751% | 3,280 |
| Return on assets (ROA) | 0.8093% | 3,283 |
| Pretax return on assets | 1.0902% | 3,056 |
| Return on Equity (ROE) | 7.6794% | 3,188 |
| Retained earnings to average equity (ytd only) | 7.6794% | 1,636 |
| Net charge-offs to loans | 1.0565% | 1,508 |
| Credit loss provision to net charge-offs | 90.5797% | 3,753 |
| Earnings coverage of net charge-offs (x) | 2.3116% | 3,972 |
| Efficiency ratio | 63.3333% | 5,174 |
| Assets per employee ($millions) | 3.8676% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 5,868 |
| Loan loss allowance to noncurrent loans | 42.5287% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 4.7510% | 1,239 |
| Noncurrent loans to loans | 2.5997% | 2,669 |
| Net loans and leases to total assets | 69.5267% | 2,172 |
| Net loans and leases to deposits | 78.6813% | 2,861 |
| Net loans and leases to core deposits | 88.5332% | 2,423 |
| Total domestic deposits to total assets | 88.3650% | 1,828 |
| Equity capital to assets | 11.0024% | 3,143 |
| Core capital (leverage) ratio | 10.1162% | 3,291 |
| Tier 1 risk-based capital ratio | 12.4623% | 5,523 |
| Total risk-based capital ratio | 13.4163% | 5,759 |
| Memoranda: | ||
| Average total assets | $123,885,250 | 4,317 |
| Average earning assets | $110,632,000 | 4,405 |
| Average equity | $13,056,250 | 4,339 |
| Average total loans | $87,078,750 | 3,967 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8611% | 636 |
| Cost of funding earning assets | 1.1758% | 2,735 |
| Net interest margin | 4.6852% | 756 |
| Noninterest income to average assets | 0.5858% | 3,224 |
| Noninterest expense to average assets | 3.0712% | 3,355 |
| Loan and lease loss provision to assets | 0.6052% | 1,592 |
| Net operating income to assets | 0.8072% | 3,037 |
| Return on assets (ROA) | 0.8586% | 2,918 |
| Pretax return on assets | 1.1652% | 2,619 |
| Return on Equity (ROE) | 8.2677% | 2,825 |
| Retained earnings to average equity (ytd only) | 8.2677% | 1,358 |
| Net charge-offs to loans | 0.5304% | 2,505 |
| Credit loss provision to net charge-offs | 162.3377% | 1,867 |
| Earnings coverage of net charge-offs (x) | 4.5628% | 2,828 |
| Efficiency ratio | 64.3558% | 5,172 |
| Assets per employee ($millions) | 3.7447% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 4,976 |
| Loan loss allowance to noncurrent loans | 34.6655% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 4.9581% | 1,236 |
| Noncurrent loans to loans | 3.8042% | 1,835 |
| Net loans and leases to total assets | 70.9084% | 2,025 |
| Net loans and leases to deposits | 80.3236% | 2,732 |
| Net loans and leases to core deposits | 90.2169% | 2,350 |
| Total domestic deposits to total assets | 88.2784% | 1,976 |
| Equity capital to assets | 10.7206% | 3,266 |
| Core capital (leverage) ratio | 9.9321% | 3,347 |
| Tier 1 risk-based capital ratio | 12.0526% | 5,745 |
| Total risk-based capital ratio | 13.2019% | 5,799 |
| Memoranda: | ||
| Average total assets | $123,925,670 | 4,348 |
| Average earning assets | $110,731,000 | 4,419 |
| Average equity | $12,869,330 | 4,369 |
| Average total loans | $87,101,330 | 4,013 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8117% | 726 |
| Cost of funding earning assets | 1.2007% | 2,810 |
| Net interest margin | 4.6110% | 845 |
| Noninterest income to average assets | 0.7993% | 2,038 |
| Noninterest expense to average assets | 3.1652% | 3,010 |
| Loan and lease loss provision to assets | 0.4835% | 1,822 |
| Net operating income to assets | 0.9315% | 2,439 |
| Return on assets (ROA) | 0.9315% | 2,502 |
| Pretax return on assets | 1.2603% | 2,161 |
| Return on Equity (ROE) | 9.1167% | 2,428 |
| Retained earnings to average equity (ytd only) | 9.1167% | 1,347 |
| Net charge-offs to loans | 0.2087% | 3,261 |
| Credit loss provision to net charge-offs | 333.3333% | 968 |
| Earnings coverage of net charge-offs (x) | 12.0222% | 1,521 |
| Efficiency ratio | 64.4780% | 5,285 |
| Assets per employee ($millions) | 3.5816% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 4,873 |
| Loan loss allowance to noncurrent loans | 30.9374% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 5.4774% | 1,108 |
| Noncurrent loans to loans | 4.3854% | 1,608 |
| Net loans and leases to total assets | 67.5881% | 2,638 |
| Net loans and leases to deposits | 76.0658% | 3,409 |
| Net loans and leases to core deposits | 83.6848% | 3,209 |
| Total domestic deposits to total assets | 88.8547% | 1,865 |
| Equity capital to assets | 10.5623% | 3,115 |
| Core capital (leverage) ratio | 9.6011% | 3,659 |
| Tier 1 risk-based capital ratio | 12.3759% | 5,371 |
| Total risk-based capital ratio | 13.5503% | 5,430 |
| Memoranda: | ||
| Average total assets | $124,101,000 | 4,371 |
| Average earning assets | $110,604,500 | 4,452 |
| Average equity | $12,680,000 | 4,405 |
| Average total loans | $86,254,000 | 4,069 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9521% | 939 |
| Cost of funding earning assets | 1.5145% | 2,557 |
| Net interest margin | 4.4376% | 1,380 |
| Noninterest income to average assets | -0.1866% | 7,463 |
| Noninterest expense to average assets | 3.0226% | 3,759 |
| Loan and lease loss provision to assets | 0.9937% | 1,633 |
| Net operating income to assets | 0.1957% | 5,274 |
| Return on assets (ROA) | 0.2263% | 5,344 |
| Pretax return on assets | -0.2117% | 6,096 |
| Return on Equity (ROE) | 2.2183% | 5,300 |
| Retained earnings to average equity (ytd only) | 2.2183% | 4,335 |
| Net charge-offs to loans | 2.2416% | 869 |
| Credit loss provision to net charge-offs | 62.3410% | 6,045 |
| Earnings coverage of net charge-offs (x) | 0.4606% | 5,652 |
| Efficiency ratio | 80.4578% | 2,354 |
| Assets per employee ($millions) | 3.5119% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 5,722 |
| Loan loss allowance to noncurrent loans | 24.8970% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 5.4624% | 1,137 |
| Noncurrent loans to loans | 4.6311% | 1,511 |
| Net loans and leases to total assets | 69.6399% | 2,621 |
| Net loans and leases to deposits | 77.7343% | 3,551 |
| Net loans and leases to core deposits | 85.7879% | 3,348 |
| Total domestic deposits to total assets | 89.5870% | 1,336 |
| Equity capital to assets | 9.8854% | 3,893 |
| Core capital (leverage) ratio | 9.3623% | 3,906 |
| Tier 1 risk-based capital ratio | 11.0646% | 6,282 |
| Total risk-based capital ratio | 12.0480% | 6,452 |
| Memoranda: | ||
| Average total assets | $123,271,200 | 4,419 |
| Average earning assets | $109,540,400 | 4,478 |
| Average equity | $12,577,400 | 4,466 |
| Average total loans | $87,661,600 | 4,113 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0344% | 871 |
| Cost of funding earning assets | 1.5828% | 2,487 |
| Net interest margin | 4.4516% | 1,368 |
| Noninterest income to average assets | 0.0065% | 7,424 |
| Noninterest expense to average assets | 2.8923% | 4,125 |
| Loan and lease loss provision to assets | 1.3335% | 1,035 |
| Net operating income to assets | 0.2942% | 5,189 |
| Return on assets (ROA) | 0.3353% | 5,197 |
| Pretax return on assets | -0.2057% | 6,326 |
| Return on Equity (ROE) | 3.2599% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.2599% | 4,152 |
| Net charge-offs to loans | 1.4263% | 1,427 |
| Credit loss provision to net charge-offs | 131.1563% | 3,077 |
| Earnings coverage of net charge-offs (x) | 1.0460% | 5,014 |
| Efficiency ratio | 73.1150% | 3,502 |
| Assets per employee ($millions) | 3.3736% | 5,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3941% | 1,481 |
| Loan loss allowance to noncurrent loans | 52.6074% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 4.9675% | 1,300 |
| Noncurrent loans to loans | 4.5508% | 1,581 |
| Net loans and leases to total assets | 69.0858% | 2,962 |
| Net loans and leases to deposits | 77.5575% | 3,911 |
| Net loans and leases to core deposits | 86.2615% | 3,614 |
| Total domestic deposits to total assets | 89.0769% | 1,356 |
| Equity capital to assets | 10.3574% | 3,690 |
| Core capital (leverage) ratio | 9.4576% | 3,966 |
| Tier 1 risk-based capital ratio | 11.6146% | 5,818 |
| Total risk-based capital ratio | 12.8750% | 5,793 |
| Memoranda: | ||
| Average total assets | $122,481,750 | 4,492 |
| Average earning assets | $108,663,250 | 4,554 |
| Average equity | $12,597,250 | 4,527 |
| Average total loans | $87,309,000 | 4,187 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9320% | 1,101 |
| Cost of funding earning assets | 1.6059% | 2,621 |
| Net interest margin | 4.3261% | 1,684 |
| Noninterest income to average assets | 0.2035% | 6,447 |
| Noninterest expense to average assets | 2.8626% | 4,216 |
| Loan and lease loss provision to assets | 0.7735% | 1,859 |
| Net operating income to assets | 0.8793% | 2,625 |
| Return on assets (ROA) | 0.9754% | 2,362 |
| Pretax return on assets | 0.5455% | 4,757 |
| Return on Equity (ROE) | 9.5054% | 2,271 |
| Retained earnings to average equity (ytd only) | 9.5054% | 962 |
| Net charge-offs to loans | 2.1309% | 848 |
| Credit loss provision to net charge-offs | 50.8021% | 5,400 |
| Earnings coverage of net charge-offs (x) | 0.8032% | 4,968 |
| Efficiency ratio | 70.0678% | 4,184 |
| Assets per employee ($millions) | 3.3807% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 4,191 |
| Loan loss allowance to noncurrent loans | 30.9349% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 5.2225% | 1,211 |
| Noncurrent loans to loans | 4.6785% | 1,531 |
| Net loans and leases to total assets | 73.1268% | 2,131 |
| Net loans and leases to deposits | 82.2686% | 3,227 |
| Net loans and leases to core deposits | 89.3448% | 3,360 |
| Total domestic deposits to total assets | 88.8879% | 1,501 |
| Equity capital to assets | 10.5550% | 3,340 |
| Core capital (leverage) ratio | 10.2840% | 2,848 |
| Tier 1 risk-based capital ratio | 12.3826% | 4,962 |
| Total risk-based capital ratio | 13.6320% | 4,944 |
| Memoranda: | ||
| Average total assets | $122,826,000 | 4,507 |
| Average earning assets | $110,215,670 | 4,551 |
| Average equity | $12,603,330 | 4,526 |
| Average total loans | $87,758,000 | 4,203 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8780% | 1,256 |
| Cost of funding earning assets | 1.6929% | 2,424 |
| Net interest margin | 4.1852% | 2,108 |
| Noninterest income to average assets | 0.0032% | 7,648 |
| Noninterest expense to average assets | 2.7945% | 4,499 |
| Loan and lease loss provision to assets | 0.5673% | 2,226 |
| Net operating income to assets | 1.4394% | 1,003 |
| Return on assets (ROA) | 1.4394% | 1,079 |
| Pretax return on assets | 0.3923% | 5,320 |
| Return on Equity (ROE) | 14.2285% | 1,012 |
| Retained earnings to average equity (ytd only) | 14.2285% | 481 |
| Net charge-offs to loans | 1.6743% | 1,037 |
| Credit loss provision to net charge-offs | 48.3425% | 4,513 |
| Earnings coverage of net charge-offs (x) | 0.8177% | 4,314 |
| Efficiency ratio | 74.4387% | 3,501 |
| Assets per employee ($millions) | 3.4101% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 2,517 |
| Loan loss allowance to noncurrent loans | 32.5170% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 5.8121% | 1,044 |
| Noncurrent loans to loans | 5.7633% | 1,177 |
| Net loans and leases to total assets | 67.3906% | 3,532 |
| Net loans and leases to deposits | 75.6437% | 4,469 |
| Net loans and leases to core deposits | 81.0768% | 4,610 |
| Total domestic deposits to total assets | 89.0895% | 1,477 |
| Equity capital to assets | 10.3640% | 3,388 |
| Core capital (leverage) ratio | 9.9923% | 3,171 |
| Tier 1 risk-based capital ratio | 12.6380% | 4,612 |
| Total risk-based capital ratio | 13.8915% | 4,576 |
| Memoranda: | ||
| Average total assets | $123,386,500 | 4,555 |
| Average earning assets | $110,581,000 | 4,595 |
| Average equity | $12,482,000 | 4,594 |
| Average total loans | $86,484,000 | 4,307 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2273% | 1,168 |
| Cost of funding earning assets | 2.1953% | 2,058 |
| Net interest margin | 4.0320% | 2,738 |
| Noninterest income to average assets | -0.8734% | 7,981 |
| Noninterest expense to average assets | 2.8296% | 4,837 |
| Loan and lease loss provision to assets | 2.2157% | 938 |
| Net operating income to assets | -1.3251% | 6,778 |
| Return on assets (ROA) | -0.6123% | 6,278 |
| Pretax return on assets | -1.5888% | 6,748 |
| Return on Equity (ROE) | -7.1523% | 6,396 |
| Retained earnings to average equity (ytd only) | -8.2345% | 6,369 |
| Net charge-offs to loans | 2.7259% | 828 |
| Credit loss provision to net charge-offs | 112.7974% | 4,863 |
| Earnings coverage of net charge-offs (x) | -0.0582% | 6,282 |
| Efficiency ratio | 104.2136% | 947 |
| Assets per employee ($millions) | 3.4448% | 5,140 |
| Cash dividends to net income (ytd only)* | -15.1316% | 7,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9931% | 2,046 |
| Loan loss allowance to noncurrent loans | 28.0699% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 7.2824% | 686 |
| Noncurrent loans to loans | 7.1003% | 782 |
| Net loans and leases to total assets | 70.0672% | 3,243 |
| Net loans and leases to deposits | 78.2217% | 4,326 |
| Net loans and leases to core deposits | 102.4936% | 3,746 |
| Total domestic deposits to total assets | 89.5751% | 1,172 |
| Equity capital to assets | 9.8709% | 3,924 |
| Core capital (leverage) ratio | 9.8768% | 3,232 |
| Tier 1 risk-based capital ratio | 11.6898% | 5,207 |
| Total risk-based capital ratio | 12.9453% | 5,160 |
| Memoranda: | ||
| Average total assets | $124,116,000 | 4,471 |
| Average earning assets | $110,465,200 | 4,554 |
| Average equity | $10,626,000 | 5,122 |
| Average total loans | $89,439,600 | 4,226 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2941% | 1,146 |
| Cost of funding earning assets | 2.2964% | 1,998 |
| Net interest margin | 3.9976% | 2,837 |
| Noninterest income to average assets | -0.7518% | 8,065 |
| Noninterest expense to average assets | 2.8064% | 4,870 |
| Loan and lease loss provision to assets | 2.9535% | 506 |
| Net operating income to assets | -1.8432% | 7,254 |
| Return on assets (ROA) | -0.8957% | 6,769 |
| Pretax return on assets | -1.9719% | 7,171 |
| Return on Equity (ROE) | -10.8779% | 6,950 |
| Retained earnings to average equity (ytd only) | -12.3779% | 6,964 |
| Net charge-offs to loans | 3.7053% | 394 |
| Credit loss provision to net charge-offs | 110.3974% | 4,607 |
| Earnings coverage of net charge-offs (x) | -0.0008% | 6,064 |
| Efficiency ratio | 100.0766% | 1,059 |
| Assets per employee ($millions) | 3.3631% | 5,230 |
| Cash dividends to net income (ytd only)* | -13.7890% | 7,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9255% | 1,965 |
| Loan loss allowance to noncurrent loans | 39.3932% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 6.2714% | 833 |
| Noncurrent loans to loans | 4.8880% | 1,378 |
| Net loans and leases to total assets | 72.1053% | 3,013 |
| Net loans and leases to deposits | 80.6534% | 4,262 |
| Net loans and leases to core deposits | 107.4753% | 3,538 |
| Total domestic deposits to total assets | 89.4014% | 1,017 |
| Equity capital to assets | 10.0237% | 4,059 |
| Core capital (leverage) ratio | 9.6895% | 3,662 |
| Tier 1 risk-based capital ratio | 12.1258% | 4,859 |
| Total risk-based capital ratio | 13.3815% | 4,802 |
| Memoranda: | ||
| Average total assets | $124,142,250 | 4,497 |
| Average earning assets | $110,429,500 | 4,578 |
| Average equity | $10,222,250 | 5,279 |
| Average total loans | $89,635,000 | 4,260 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2666% | 1,294 |
| Cost of funding earning assets | 2.3199% | 2,277 |
| Net interest margin | 3.9467% | 2,902 |
| Noninterest income to average assets | -1.1952% | 8,164 |
| Noninterest expense to average assets | 2.8331% | 4,814 |
| Loan and lease loss provision to assets | 1.3982% | 1,240 |
| Net operating income to assets | -1.8534% | 7,385 |
| Return on assets (ROA) | -0.4842% | 6,542 |
| Pretax return on assets | -0.5433% | 6,469 |
| Return on Equity (ROE) | -6.3228% | 6,747 |
| Retained earnings to average equity (ytd only) | -8.7226% | 6,742 |
| Net charge-offs to loans | 2.1927% | 833 |
| Credit loss provision to net charge-offs | 88.8325% | 4,959 |
| Earnings coverage of net charge-offs (x) | -0.3279% | 5,974 |
| Efficiency ratio | 122.2759% | 628 |
| Assets per employee ($millions) | 3.4780% | 4,867 |
| Cash dividends to net income (ytd only)* | -37.9538% | 7,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 3,402 |
| Loan loss allowance to noncurrent loans | 59.1729% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 4.2530% | 1,359 |
| Noncurrent loans to loans | 2.4713% | 2,931 |
| Net loans and leases to total assets | 72.3841% | 3,119 |
| Net loans and leases to deposits | 81.4886% | 4,302 |
| Net loans and leases to core deposits | 109.0404% | 3,490 |
| Total domestic deposits to total assets | 88.8273% | 1,364 |
| Equity capital to assets | 7.7144% | 7,057 |
| Core capital (leverage) ratio | 7.9047% | 6,484 |
| Tier 1 risk-based capital ratio | 9.3393% | 7,516 |
| Total risk-based capital ratio | 10.5813% | 7,505 |
| Memoranda: | ||
| Average total assets | $125,165,330 | 4,504 |
| Average earning assets | $111,383,330 | 4,593 |
| Average equity | $9,584,330 | 5,490 |
| Average total loans | $89,842,000 | 4,284 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2440% | 1,463 |
| Cost of funding earning assets | 2.3171% | 2,625 |
| Net interest margin | 3.9269% | 2,947 |
| Noninterest income to average assets | 0.0064% | 8,031 |
| Noninterest expense to average assets | 2.4771% | 5,927 |
| Loan and lease loss provision to assets | 0.1598% | 4,891 |
| Net operating income to assets | 0.8101% | 3,087 |
| Return on assets (ROA) | 0.9205% | 2,757 |
| Pretax return on assets | 0.9621% | 3,492 |
| Return on Equity (ROE) | 12.0666% | 1,641 |
| Retained earnings to average equity (ytd only) | 7.8768% | 1,866 |
| Net charge-offs to loans | 0.0360% | 5,006 |
| Credit loss provision to net charge-offs | 625.0000% | 910 |
| Earnings coverage of net charge-offs (x) | 39.3750% | 864 |
| Efficiency ratio | 71.1009% | 4,349 |
| Assets per employee ($millions) | 3.4070% | 5,055 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 2,100 |
| Loan loss allowance to noncurrent loans | 38.8327% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 5.8524% | 700 |
| Noncurrent loans to loans | 4.4113% | 1,322 |
| Net loans and leases to total assets | 70.0296% | 3,661 |
| Net loans and leases to deposits | 76.9987% | 5,085 |
| Net loans and leases to core deposits | 102.6324% | 4,277 |
| Total domestic deposits to total assets | 90.9491% | 432 |
| Equity capital to assets | 7.8377% | 7,023 |
| Core capital (leverage) ratio | 8.3773% | 5,764 |
| Tier 1 risk-based capital ratio | 10.3042% | 6,588 |
| Total risk-based capital ratio | 11.5631% | 6,506 |
| Memoranda: | ||
| Average total assets | $125,144,500 | 4,520 |
| Average earning assets | $110,826,000 | 4,615 |
| Average equity | $9,547,000 | 5,522 |
| Average total loans | $88,775,500 | 4,339 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6693% | 2,161 |
| Cost of funding earning assets | 2.6414% | 3,476 |
| Net interest margin | 4.0279% | 2,992 |
| Noninterest income to average assets | 0.2398% | 6,730 |
| Noninterest expense to average assets | 3.5894% | 2,180 |
| Loan and lease loss provision to assets | 1.9558% | 624 |
| Net operating income to assets | -2.3156% | 7,660 |
| Return on assets (ROA) | -2.2858% | 7,620 |
| Pretax return on assets | -1.6565% | 7,325 |
| Return on Equity (ROE) | -26.3731% | 7,891 |
| Retained earnings to average equity (ytd only) | -28.3354% | 7,881 |
| Net charge-offs to loans | 3.0127% | 294 |
| Credit loss provision to net charge-offs | 95.8333% | 5,516 |
| Earnings coverage of net charge-offs (x) | 0.1321% | 6,167 |
| Efficiency ratio | 93.0145% | 1,324 |
| Assets per employee ($millions) | 3.3589% | 5,071 |
| Cash dividends to net income (ytd only)* | -7.4405% | 7,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 2,185 |
| Loan loss allowance to noncurrent loans | 58.7879% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 4.8833% | 721 |
| Noncurrent loans to loans | 2.7451% | 1,975 |
| Net loans and leases to total assets | 69.4989% | 4,143 |
| Net loans and leases to deposits | 81.3512% | 4,816 |
| Net loans and leases to core deposits | 104.2655% | 4,366 |
| Total domestic deposits to total assets | 85.4307% | 2,651 |
| Equity capital to assets | 7.4280% | 7,449 |
| Core capital (leverage) ratio | 8.2376% | 6,085 |
| Tier 1 risk-based capital ratio | 9.7077% | 7,073 |
| Total risk-based capital ratio | 10.9597% | 6,979 |
| Memoranda: | ||
| Average total assets | $117,596,000 | 4,577 |
| Average earning assets | $105,662,800 | 4,622 |
| Average equity | $10,192,200 | 5,353 |
| Average total loans | $79,663,000 | 4,529 |