Home > Republic Bank of Arizona > Performance and Condition Ratios
Republic Bank of Arizona, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0129% | 40 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20,092.0000% | 32 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.0965% | 1,902 |
| Pretax return on assets | 1.4103% | 1,608 |
| Return on Equity (ROE) | 11.5600% | 2,074 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 5.5138% | 4,564 |
| Assets per employee ($millions) | 0.3981% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 20,663.0000% | 29 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $8,419,000 | 4,570 |
| Average earning assets | $2,787 | 4,586 |
| Average equity | $168 | 4,536 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6223% | 888 |
| Cost of funding earning assets | 1.6965% | 1,197 |
| Net interest margin | 3.9258% | 1,353 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.6185% | 1,882 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0654% | 2,168 |
| Return on assets (ROA) | 1.0654% | 2,154 |
| Pretax return on assets | 1.4027% | 1,774 |
| Return on Equity (ROE) | 11.3300% | 2,297 |
| Retained earnings to average equity (ytd only) | 11.3318% | 1,102 |
| Net charge-offs to loans | -0.2711% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.1184% | 2,376 |
| Assets per employee ($millions) | 8.1608% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 2,726 |
| Loan loss allowance to noncurrent loans | 966.2100% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,083 |
| Noncurrent loans to loans | 0.1170% | 2,982 |
| Net loans and leases to total assets | 64.7700% | 2,363 |
| Net loans and leases to deposits | 71.6089% | 2,731 |
| Net loans and leases to core deposits | 78.0411% | 2,740 |
| Total domestic deposits to total assets | 90.4500% | 826 |
| Equity capital to assets | 8.8143% | 2,528 |
| Core capital (leverage) ratio | 9.8813% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $260,545,000 | 2,626 |
| Average earning assets | $246,463,000 | 2,597 |
| Average equity | $24,496,750 | 2,536 |
| Average total loans | $173,105,000 | 2,508 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4019% | 955 |
| Cost of funding earning assets | 1.5826% | 1,103 |
| Net interest margin | 3.8192% | 1,586 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.6687% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9517% | 2,579 |
| Return on assets (ROA) | 0.9517% | 2,568 |
| Pretax return on assets | 1.2602% | 2,189 |
| Return on Equity (ROE) | 9.8900% | 2,734 |
| Retained earnings to average equity (ytd only) | 9.8886% | 1,432 |
| Net charge-offs to loans | -0.4180% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.9249% | 1,994 |
| Assets per employee ($millions) | 7.6205% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 2,467 |
| Loan loss allowance to noncurrent loans | 944.6429% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 2,948 |
| Noncurrent loans to loans | 0.1266% | 2,840 |
| Net loans and leases to total assets | 65.5600% | 2,204 |
| Net loans and leases to deposits | 72.7319% | 2,596 |
| Net loans and leases to core deposits | 79.5044% | 2,506 |
| Total domestic deposits to total assets | 90.1400% | 889 |
| Equity capital to assets | 9.2540% | 2,344 |
| Core capital (leverage) ratio | 10.3925% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $252,184,333 | 2,679 |
| Average earning assets | $238,214,333 | 2,647 |
| Average equity | $24,270,333 | 2,552 |
| Average total loans | $168,434,333 | 2,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2546% | 881 |
| Cost of funding earning assets | 1.4843% | 870 |
| Net interest margin | 3.7703% | 1,751 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.6964% | 1,683 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8966% | 2,869 |
| Return on assets (ROA) | 0.8966% | 2,826 |
| Pretax return on assets | 1.2102% | 2,403 |
| Return on Equity (ROE) | 9.1300% | 3,011 |
| Retained earnings to average equity (ytd only) | 9.1255% | 1,909 |
| Net charge-offs to loans | -0.8553% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.0217% | 1,858 |
| Assets per employee ($millions) | 7.8818% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 2,133 |
| Loan loss allowance to noncurrent loans | 4,918.6047% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 3,652 |
| Noncurrent loans to loans | 0.0260% | 3,582 |
| Net loans and leases to total assets | 64.7300% | 2,178 |
| Net loans and leases to deposits | 72.1934% | 2,457 |
| Net loans and leases to core deposits | 78.9183% | 2,323 |
| Total domestic deposits to total assets | 89.6600% | 1,276 |
| Equity capital to assets | 9.6849% | 2,010 |
| Core capital (leverage) ratio | 10.7006% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $244,918,500 | 2,754 |
| Average earning assets | $231,493,500 | 2,731 |
| Average equity | $24,064,500 | 2,594 |
| Average total loans | $164,158,500 | 2,594 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 1,711 |
| Cost of funding earning assets | 0.5843% | 965 |
| Net interest margin | 3.4184% | 2,189 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.2054% | 3,014 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9488% | 2,777 |
| Return on assets (ROA) | 0.9488% | 2,725 |
| Pretax return on assets | 1.2134% | 2,392 |
| Return on Equity (ROE) | 9.6200% | 2,937 |
| Retained earnings to average equity (ytd only) | 6.9587% | 2,261 |
| Net charge-offs to loans | -0.0550% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.8295% | 2,652 |
| Assets per employee ($millions) | 8.1938% | 1,234 |
| Cash dividends to net income (ytd only)* | 27.6699% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 2,976 |
| Loan loss allowance to noncurrent loans | 1,494.9153% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 3,308 |
| Noncurrent loans to loans | 0.0724% | 3,245 |
| Net loans and leases to total assets | 67.8400% | 1,846 |
| Net loans and leases to deposits | 79.1906% | 1,829 |
| Net loans and leases to core deposits | 81.2429% | 2,053 |
| Total domestic deposits to total assets | 85.6600% | 2,812 |
| Equity capital to assets | 9.9747% | 1,717 |
| Core capital (leverage) ratio | 11.3911% | 1,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $238,824,600 | 2,785 |
| Average earning assets | $230,373,000 | 2,732 |
| Average equity | $23,553,400 | 2,670 |
| Average total loans | $141,890,600 | 2,707 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8026% | 1,753 |
| Cost of funding earning assets | 0.4239% | 1,129 |
| Net interest margin | 3.3787% | 2,042 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 2.0786% | 3,275 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.8414% | 3,095 |
| Return on assets (ROA) | 0.8414% | 3,069 |
| Pretax return on assets | 1.1625% | 2,517 |
| Return on Equity (ROE) | 8.5600% | 3,162 |
| Retained earnings to average equity (ytd only) | 5.0007% | 3,102 |
| Net charge-offs to loans | -0.0517% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.2995% | 2,796 |
| Assets per employee ($millions) | 8.7020% | 991 |
| Cash dividends to net income (ytd only)* | 41.5507% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 2,613 |
| Loan loss allowance to noncurrent loans | 1,433.8983% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,361 |
| Noncurrent loans to loans | 0.0826% | 3,289 |
| Net loans and leases to total assets | 62.4000% | 2,241 |
| Net loans and leases to deposits | 69.9177% | 2,371 |
| Net loans and leases to core deposits | 71.1675% | 2,554 |
| Total domestic deposits to total assets | 89.2500% | 1,982 |
| Equity capital to assets | 10.1547% | 1,540 |
| Core capital (leverage) ratio | 10.6650% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $239,125,750 | 2,809 |
| Average earning assets | $231,485,500 | 2,747 |
| Average equity | $23,516,250 | 2,703 |
| Average total loans | $136,624,750 | 2,767 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5045% | 2,130 |
| Cost of funding earning assets | 0.2956% | 1,758 |
| Net interest margin | 3.2088% | 2,159 |
| Noninterest income to average assets | 0.0255% | 4,692 |
| Noninterest expense to average assets | 1.9949% | 3,440 |
| Loan and lease loss provision to assets | 0.0863% | 1,151 |
| Net operating income to assets | 0.7690% | 3,069 |
| Return on assets (ROA) | 0.7690% | 3,032 |
| Pretax return on assets | 1.0657% | 2,528 |
| Return on Equity (ROE) | 7.8998% | 3,043 |
| Retained earnings to average equity (ytd only) | 2.6080% | 3,578 |
| Net charge-offs to loans | -0.0431% | 4,176 |
| Credit loss provision to net charge-offs | -362.0690% | 3,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3943% | 2,851 |
| Assets per employee ($millions) | 9.9863% | 664 |
| Cash dividends to net income (ytd only)* | 66.9872% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 2,772 |
| Loan loss allowance to noncurrent loans | 1,152.5180% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 3,424 |
| Noncurrent loans to loans | 0.1027% | 3,238 |
| Net loans and leases to total assets | 53.5497% | 3,008 |
| Net loans and leases to deposits | 59.2810% | 3,108 |
| Net loans and leases to core deposits | 60.6812% | 3,223 |
| Total domestic deposits to total assets | 90.3320% | 1,562 |
| Equity capital to assets | 9.1770% | 2,254 |
| Core capital (leverage) ratio | 9.5923% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,417,333 | 2,806 |
| Average earning assets | $236,783,667 | 2,745 |
| Average equity | $23,696,667 | 2,765 |
| Average total loans | $134,542,333 | 2,801 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3201% | 2,321 |
| Cost of funding earning assets | 0.2828% | 1,792 |
| Net interest margin | 3.0373% | 2,373 |
| Noninterest income to average assets | 0.0067% | 4,746 |
| Noninterest expense to average assets | 1.9476% | 3,557 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7491% | 2,857 |
| Return on assets (ROA) | 0.7491% | 2,850 |
| Pretax return on assets | 1.0088% | 2,411 |
| Return on Equity (ROE) | 7.4721% | 2,880 |
| Retained earnings to average equity (ytd only) | 7.4721% | 1,743 |
| Net charge-offs to loans | -0.0596% | 4,316 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8784% | 2,783 |
| Assets per employee ($millions) | 10.8337% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,242 |
| Loan loss allowance to noncurrent loans | 6,763.6364% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 3,983 |
| Noncurrent loans to loans | 0.0165% | 3,887 |
| Net loans and leases to total assets | 52.7543% | 2,912 |
| Net loans and leases to deposits | 58.7231% | 3,009 |
| Net loans and leases to core deposits | 60.0503% | 3,140 |
| Total domestic deposits to total assets | 89.8356% | 1,664 |
| Equity capital to assets | 9.5592% | 2,236 |
| Core capital (leverage) ratio | 10.3618% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,297,000 | 2,844 |
| Average earning assets | $233,363,000 | 2,777 |
| Average equity | $24,089,500 | 2,835 |
| Average total loans | $134,167,000 | 2,806 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5438% | 2,531 |
| Cost of funding earning assets | 0.3577% | 1,874 |
| Net interest margin | 3.1861% | 2,638 |
| Noninterest income to average assets | 0.1707% | 4,303 |
| Noninterest expense to average assets | 1.9264% | 3,863 |
| Loan and lease loss provision to assets | 0.0801% | 1,531 |
| Net operating income to assets | 0.9646% | 2,821 |
| Return on assets (ROA) | 0.9621% | 2,896 |
| Pretax return on assets | 1.2460% | 2,533 |
| Return on Equity (ROE) | 9.9051% | 2,553 |
| Retained earnings to average equity (ytd only) | 9.9051% | 941 |
| Net charge-offs to loans | -0.0564% | 4,378 |
| Credit loss provision to net charge-offs | -258.8235% | 3,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1697% | 3,274 |
| Assets per employee ($millions) | 9.6425% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 3,420 |
| Loan loss allowance to noncurrent loans | 1,790.2439% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 3,776 |
| Noncurrent loans to loans | 0.0606% | 3,647 |
| Net loans and leases to total assets | 57.8723% | 2,391 |
| Net loans and leases to deposits | 65.1623% | 2,584 |
| Net loans and leases to core deposits | 66.8874% | 2,741 |
| Total domestic deposits to total assets | 88.8125% | 1,612 |
| Equity capital to assets | 10.5263% | 2,153 |
| Core capital (leverage) ratio | 10.5522% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,736,600 | 2,908 |
| Average earning assets | $212,767,800 | 2,851 |
| Average equity | $21,342,600 | 3,109 |
| Average total loans | $120,465,400 | 2,949 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5563% | 2,676 |
| Cost of funding earning assets | 0.3728% | 1,912 |
| Net interest margin | 3.1835% | 2,780 |
| Noninterest income to average assets | 0.1839% | 4,275 |
| Noninterest expense to average assets | 1.8424% | 4,076 |
| Loan and lease loss provision to assets | 0.0761% | 1,530 |
| Net operating income to assets | 1.0285% | 2,808 |
| Return on assets (ROA) | 1.0251% | 2,883 |
| Pretax return on assets | 1.3381% | 2,521 |
| Return on Equity (ROE) | 10.7955% | 2,444 |
| Retained earnings to average equity (ytd only) | 10.7955% | 1,104 |
| Net charge-offs to loans | -0.0548% | 4,397 |
| Credit loss provision to net charge-offs | -258.3333% | 3,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4963% | 3,468 |
| Assets per employee ($millions) | 10.3665% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 3,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 52.6170% | 3,129 |
| Net loans and leases to deposits | 59.2921% | 3,300 |
| Net loans and leases to core deposits | 61.0094% | 3,399 |
| Total domestic deposits to total assets | 88.7421% | 1,435 |
| Equity capital to assets | 10.6120% | 2,352 |
| Core capital (leverage) ratio | 10.2823% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,815,750 | 2,961 |
| Average earning assets | $209,575,000 | 2,904 |
| Average equity | $20,588,250 | 3,201 |
| Average total loans | $116,732,750 | 3,021 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4172% | 3,129 |
| Cost of funding earning assets | 0.3993% | 1,894 |
| Net interest margin | 3.0179% | 3,276 |
| Noninterest income to average assets | 0.1727% | 4,344 |
| Noninterest expense to average assets | 1.8051% | 4,173 |
| Loan and lease loss provision to assets | 0.0244% | 2,480 |
| Net operating income to assets | 0.9880% | 2,931 |
| Return on assets (ROA) | 0.9828% | 3,035 |
| Pretax return on assets | 1.2522% | 2,760 |
| Return on Equity (ROE) | 10.8029% | 2,497 |
| Retained earnings to average equity (ytd only) | 10.8029% | 1,173 |
| Net charge-offs to loans | -0.0521% | 4,392 |
| Credit loss provision to net charge-offs | -86.6667% | 3,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4498% | 3,221 |
| Assets per employee ($millions) | 12.8342% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 3,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 50.0474% | 3,553 |
| Net loans and leases to deposits | 56.1706% | 3,697 |
| Net loans and leases to core deposits | 57.9813% | 3,756 |
| Total domestic deposits to total assets | 89.0990% | 1,228 |
| Equity capital to assets | 10.2244% | 2,645 |
| Core capital (leverage) ratio | 10.5181% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,066,667 | 2,995 |
| Average earning assets | $205,839,667 | 2,935 |
| Average equity | $19,383,667 | 3,297 |
| Average total loans | $115,178,333 | 3,051 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5980% | 2,646 |
| Cost of funding earning assets | 0.4262% | 1,893 |
| Net interest margin | 3.1718% | 2,778 |
| Noninterest income to average assets | 0.1881% | 4,254 |
| Noninterest expense to average assets | 1.8815% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0901% | 2,508 |
| Return on assets (ROA) | 1.0917% | 2,576 |
| Pretax return on assets | 1.3719% | 2,362 |
| Return on Equity (ROE) | 12.9043% | 1,696 |
| Retained earnings to average equity (ytd only) | 12.9043% | 936 |
| Net charge-offs to loans | -0.0490% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8662% | 3,321 |
| Assets per employee ($millions) | 10.8919% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 3,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,113 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.9298% | 3,250 |
| Net loans and leases to deposits | 60.7456% | 3,435 |
| Net loans and leases to core deposits | 63.1750% | 3,486 |
| Total domestic deposits to total assets | 88.7797% | 1,450 |
| Equity capital to assets | 8.0560% | 4,459 |
| Core capital (leverage) ratio | 8.6619% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,092,500 | 3,052 |
| Average earning assets | $197,111,500 | 2,998 |
| Average equity | $17,265,500 | 3,495 |
| Average total loans | $114,319,000 | 3,072 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1886% | 2,167 |
| Cost of funding earning assets | 0.7858% | 1,271 |
| Net interest margin | 3.4028% | 2,774 |
| Noninterest income to average assets | 0.0848% | 4,783 |
| Noninterest expense to average assets | 2.5501% | 2,694 |
| Loan and lease loss provision to assets | 0.0658% | 3,555 |
| Net operating income to assets | 0.5626% | 3,863 |
| Return on assets (ROA) | 0.5616% | 3,970 |
| Pretax return on assets | 0.7595% | 3,741 |
| Return on Equity (ROE) | 5.2693% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.2693% | 2,154 |
| Net charge-offs to loans | -0.0073% | 4,202 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5209% | 1,290 |
| Assets per employee ($millions) | 9.5174% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 3,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 4,149 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 57.1044% | 3,192 |
| Net loans and leases to deposits | 65.2494% | 3,340 |
| Net loans and leases to core deposits | 68.3943% | 3,385 |
| Total domestic deposits to total assets | 87.5171% | 1,699 |
| Equity capital to assets | 8.9216% | 4,126 |
| Core capital (leverage) ratio | 9.1189% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,071,800 | 3,378 |
| Average earning assets | $147,112,600 | 3,300 |
| Average equity | $16,207,200 | 3,529 |
| Average total loans | $95,649,800 | 3,306 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 2,458 |
| Cost of funding earning assets | 0.8308% | 1,355 |
| Net interest margin | 3.3435% | 3,059 |
| Noninterest income to average assets | 0.0636% | 4,865 |
| Noninterest expense to average assets | 2.7508% | 2,118 |
| Loan and lease loss provision to assets | 0.0667% | 3,503 |
| Net operating income to assets | 0.3701% | 4,323 |
| Return on assets (ROA) | 0.3686% | 4,387 |
| Pretax return on assets | 0.4753% | 4,326 |
| Return on Equity (ROE) | 3.2805% | 4,337 |
| Retained earnings to average equity (ytd only) | 3.2805% | 3,402 |
| Net charge-offs to loans | -0.0608% | 4,722 |
| Credit loss provision to net charge-offs | -169.0476% | 3,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4990% | 642 |
| Assets per employee ($millions) | 9.6005% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 3,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 64.1346% | 2,754 |
| Net loans and leases to deposits | 87.1737% | 1,572 |
| Net loans and leases to core deposits | 91.4927% | 1,842 |
| Total domestic deposits to total assets | 73.5711% | 4,599 |
| Equity capital to assets | 9.0472% | 4,082 |
| Core capital (leverage) ratio | 10.0610% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,502,750 | 3,468 |
| Average earning assets | $137,696,500 | 3,395 |
| Average equity | $16,013,500 | 3,549 |
| Average total loans | $92,082,000 | 3,383 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 2,275 |
| Cost of funding earning assets | 0.9416% | 1,185 |
| Net interest margin | 3.4305% | 3,004 |
| Noninterest income to average assets | 0.0495% | 4,914 |
| Noninterest expense to average assets | 3.0217% | 1,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2672% | 4,469 |
| Return on assets (ROA) | 0.2647% | 4,517 |
| Pretax return on assets | 0.3297% | 4,498 |
| Return on Equity (ROE) | 2.1577% | 4,503 |
| Retained earnings to average equity (ytd only) | 2.1577% | 3,695 |
| Net charge-offs to loans | -0.0672% | 4,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0784% | 385 |
| Assets per employee ($millions) | 9.1396% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 3,201 |
| Loan loss allowance to noncurrent loans | 385.5219% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 3,628 |
| Noncurrent loans to loans | 0.2794% | 3,377 |
| Net loans and leases to total assets | 63.9297% | 2,890 |
| Net loans and leases to deposits | 90.4044% | 1,317 |
| Net loans and leases to core deposits | 95.5944% | 1,605 |
| Total domestic deposits to total assets | 70.7152% | 4,764 |
| Equity capital to assets | 9.7859% | 3,384 |
| Core capital (leverage) ratio | 11.5253% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,200,333 | 3,606 |
| Average earning assets | $124,473,000 | 3,540 |
| Average equity | $15,850,333 | 3,564 |
| Average total loans | $83,370,000 | 3,529 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 1,452 |
| Cost of funding earning assets | 1.0766% | 1,112 |
| Net interest margin | 3.7120% | 2,283 |
| Noninterest income to average assets | 0.0502% | 4,977 |
| Noninterest expense to average assets | 3.5717% | 843 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0430% | 4,721 |
| Return on assets (ROA) | 0.0430% | 4,714 |
| Pretax return on assets | 0.0394% | 4,711 |
| Return on Equity (ROE) | 0.3052% | 4,710 |
| Retained earnings to average equity (ytd only) | 0.3052% | 3,920 |
| Net charge-offs to loans | -0.0612% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9076% | 257 |
| Assets per employee ($millions) | 5.7599% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,239 |
| Loan loss allowance to noncurrent loans | 233.0579% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 2,784 |
| Noncurrent loans to loans | 0.6576% | 2,346 |
| Net loans and leases to total assets | 62.9117% | 3,197 |
| Net loans and leases to deposits | 74.1989% | 3,250 |
| Net loans and leases to core deposits | 83.6098% | 2,882 |
| Total domestic deposits to total assets | 84.7879% | 2,493 |
| Equity capital to assets | 13.6339% | 1,168 |
| Core capital (leverage) ratio | 13.8613% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,544,500 | 3,823 |
| Average earning assets | $107,003,500 | 3,769 |
| Average equity | $15,726,000 | 3,585 |
| Average total loans | $71,896,500 | 3,728 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9665% | 1,564 |
| Cost of funding earning assets | 0.9548% | 1,930 |
| Net interest margin | 4.0117% | 1,818 |
| Noninterest income to average assets | 0.0729% | 4,991 |
| Noninterest expense to average assets | 3.4565% | 1,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4145% | 4,571 |
| Return on assets (ROA) | 0.4145% | 4,605 |
| Pretax return on assets | 0.4875% | 4,597 |
| Return on Equity (ROE) | 2.8703% | 4,686 |
| Retained earnings to average equity (ytd only) | -0.4027% | 4,752 |
| Net charge-offs to loans | 0.1026% | 1,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 7.8806% | 2,831 |
| Efficiency ratio | 87.6404% | 460 |
| Assets per employee ($millions) | 5.3946% | 2,155 |
| Cash dividends to net income (ytd only)* | 114.0312% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 994 |
| Loan loss allowance to noncurrent loans | 226.1134% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 2,574 |
| Noncurrent loans to loans | 0.7038% | 2,119 |
| Net loans and leases to total assets | 64.0229% | 3,196 |
| Net loans and leases to deposits | 76.4053% | 3,140 |
| Net loans and leases to core deposits | 84.8275% | 2,886 |
| Total domestic deposits to total assets | 83.7938% | 2,914 |
| Equity capital to assets | 14.5944% | 904 |
| Core capital (leverage) ratio | 15.0399% | 683 |
| Tier 1 risk-based capital ratio | 21.4972% | 1,083 |
| Total risk-based capital ratio | 22.7507% | 1,062 |
| Memoranda: | ||
| Average total assets | $108,316,800 | 3,856 |
| Average earning assets | $104,520,200 | 3,800 |
| Average equity | $15,642,800 | 3,577 |
| Average total loans | $65,324,000 | 3,876 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0607% | 1,390 |
| Cost of funding earning assets | 0.9478% | 2,000 |
| Net interest margin | 4.1129% | 1,585 |
| Noninterest income to average assets | 0.0615% | 5,089 |
| Noninterest expense to average assets | 3.3707% | 1,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5288% | 4,452 |
| Return on assets (ROA) | 0.5288% | 4,503 |
| Pretax return on assets | 0.6665% | 4,418 |
| Return on Equity (ROE) | 3.6711% | 4,642 |
| Retained earnings to average equity (ytd only) | -0.7001% | 4,833 |
| Net charge-offs to loans | -0.0437% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4907% | 651 |
| Assets per employee ($millions) | 5.3048% | 2,217 |
| Cash dividends to net income (ytd only)* | 119.0696% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 62.7253% | 3,418 |
| Net loans and leases to deposits | 75.2902% | 3,365 |
| Net loans and leases to core deposits | 82.9550% | 3,183 |
| Total domestic deposits to total assets | 83.3113% | 3,062 |
| Equity capital to assets | 14.8667% | 881 |
| Core capital (leverage) ratio | 14.4260% | 871 |
| Tier 1 risk-based capital ratio | 23.0944% | 939 |
| Total risk-based capital ratio | 24.3511% | 919 |
| Memoranda: | ||
| Average total assets | $108,423,250 | 3,895 |
| Average earning assets | $104,805,750 | 3,834 |
| Average equity | $15,617,000 | 3,620 |
| Average total loans | $64,107,000 | 3,949 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 1,188 |
| Cost of funding earning assets | 0.9166% | 2,069 |
| Net interest margin | 4.1938% | 1,382 |
| Noninterest income to average assets | 0.0348% | 5,194 |
| Noninterest expense to average assets | 3.2619% | 1,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6557% | 4,147 |
| Return on assets (ROA) | 0.6557% | 4,197 |
| Pretax return on assets | 0.8370% | 4,002 |
| Return on Equity (ROE) | 4.6001% | 4,443 |
| Retained earnings to average equity (ytd only) | -1.9788% | 4,907 |
| Net charge-offs to loans | -0.0382% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5800% | 1,003 |
| Assets per employee ($millions) | 4.8802% | 2,626 |
| Cash dividends to net income (ytd only)* | 143.0168% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8945% | 567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 57.6869% | 3,942 |
| Net loans and leases to deposits | 68.8014% | 3,917 |
| Net loans and leases to core deposits | 78.3125% | 3,552 |
| Total domestic deposits to total assets | 83.8456% | 2,929 |
| Equity capital to assets | 14.7200% | 884 |
| Core capital (leverage) ratio | 14.7705% | 757 |
| Tier 1 risk-based capital ratio | 25.0991% | 746 |
| Total risk-based capital ratio | 26.3577% | 730 |
| Memoranda: | ||
| Average total assets | $109,199,000 | 3,910 |
| Average earning assets | $105,821,670 | 3,847 |
| Average equity | $15,565,000 | 3,627 |
| Average total loans | $62,891,330 | 3,997 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1475% | 1,007 |
| Cost of funding earning assets | 0.9009% | 1,995 |
| Net interest margin | 4.2466% | 1,206 |
| Noninterest income to average assets | -0.0581% | 5,332 |
| Noninterest expense to average assets | 2.9823% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8573% | 3,417 |
| Return on assets (ROA) | 0.8573% | 3,460 |
| Pretax return on assets | 1.0861% | 3,188 |
| Return on Equity (ROE) | 6.1118% | 3,983 |
| Retained earnings to average equity (ytd only) | 6.1118% | 2,412 |
| Net charge-offs to loans | -0.0382% | 4,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3036% | 1,843 |
| Assets per employee ($millions) | 6.1120% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8732% | 621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 53.6787% | 4,225 |
| Net loans and leases to deposits | 62.5549% | 4,268 |
| Net loans and leases to core deposits | 68.9047% | 4,134 |
| Total domestic deposits to total assets | 85.8105% | 2,357 |
| Equity capital to assets | 13.5170% | 1,207 |
| Core capital (leverage) ratio | 14.5172% | 809 |
| Tier 1 risk-based capital ratio | 25.5808% | 719 |
| Total risk-based capital ratio | 26.8396% | 699 |
| Memoranda: | ||
| Average total assets | $110,116,500 | 3,932 |
| Average earning assets | $107,003,500 | 3,861 |
| Average equity | $15,445,500 | 3,650 |
| Average total loans | $62,771,500 | 4,035 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 2,046 |
| Cost of funding earning assets | 0.6457% | 2,424 |
| Net interest margin | 3.9873% | 2,028 |
| Noninterest income to average assets | 0.2884% | 4,175 |
| Noninterest expense to average assets | 3.0968% | 1,803 |
| Loan and lease loss provision to assets | -0.3957% | 5,375 |
| Net operating income to assets | 1.0539% | 2,786 |
| Return on assets (ROA) | 0.9734% | 3,128 |
| Pretax return on assets | 1.3620% | 2,266 |
| Return on Equity (ROE) | 7.6731% | 3,584 |
| Retained earnings to average equity (ytd only) | 7.6731% | 1,387 |
| Net charge-offs to loans | -0.0255% | 4,764 |
| Credit loss provision to net charge-offs | 2,812.5000% | 175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3509% | 1,581 |
| Assets per employee ($millions) | 6.1238% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9092% | 563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 58.4343% | 3,917 |
| Net loans and leases to deposits | 68.9373% | 3,910 |
| Net loans and leases to core deposits | 81.9741% | 3,263 |
| Total domestic deposits to total assets | 84.7644% | 2,744 |
| Equity capital to assets | 14.5949% | 809 |
| Core capital (leverage) ratio | 14.1060% | 896 |
| Tier 1 risk-based capital ratio | 25.8265% | 684 |
| Total risk-based capital ratio | 27.0891% | 667 |
| Memoranda: | ||
| Average total assets | $113,730,800 | 3,888 |
| Average earning assets | $110,576,400 | 3,793 |
| Average equity | $14,427,000 | 3,703 |
| Average total loans | $62,766,400 | 4,029 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 2,275 |
| Cost of funding earning assets | 0.6028% | 2,456 |
| Net interest margin | 3.9035% | 2,286 |
| Noninterest income to average assets | 0.3364% | 3,912 |
| Noninterest expense to average assets | 3.0744% | 1,830 |
| Loan and lease loss provision to assets | -0.3444% | 5,437 |
| Net operating income to assets | 1.0018% | 3,073 |
| Return on assets (ROA) | 0.8966% | 3,552 |
| Pretax return on assets | 1.2720% | 2,716 |
| Return on Equity (ROE) | 7.3150% | 3,812 |
| Retained earnings to average equity (ytd only) | 7.3150% | 1,963 |
| Net charge-offs to loans | -0.0318% | 4,772 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3476% | 1,540 |
| Assets per employee ($millions) | 5.5845% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9456% | 541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 60.1483% | 3,825 |
| Net loans and leases to deposits | 69.6264% | 3,948 |
| Net loans and leases to core deposits | 81.3985% | 3,373 |
| Total domestic deposits to total assets | 86.3872% | 2,022 |
| Equity capital to assets | 13.0801% | 1,299 |
| Core capital (leverage) ratio | 13.1008% | 1,237 |
| Tier 1 risk-based capital ratio | 22.8105% | 958 |
| Total risk-based capital ratio | 24.0713% | 931 |
| Memoranda: | ||
| Average total assets | $116,137,250 | 3,892 |
| Average earning assets | $113,025,000 | 3,800 |
| Average equity | $14,235,250 | 3,750 |
| Average total loans | $62,953,750 | 4,070 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 2,480 |
| Cost of funding earning assets | 0.5241% | 2,806 |
| Net interest margin | 3.8591% | 2,348 |
| Noninterest income to average assets | 0.4404% | 3,216 |
| Noninterest expense to average assets | 3.0182% | 1,996 |
| Loan and lease loss provision to assets | -0.5101% | 5,515 |
| Net operating income to assets | 1.1914% | 2,236 |
| Return on assets (ROA) | 1.0355% | 2,870 |
| Pretax return on assets | 1.4912% | 1,845 |
| Return on Equity (ROE) | 8.6318% | 3,202 |
| Retained earnings to average equity (ytd only) | 8.6318% | 1,341 |
| Net charge-offs to loans | -0.0262% | 4,687 |
| Credit loss provision to net charge-offs | 3,750.0000% | 105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9206% | 2,021 |
| Assets per employee ($millions) | 7.7757% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1211% | 428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 54.3207% | 4,312 |
| Net loans and leases to deposits | 62.3445% | 4,398 |
| Net loans and leases to core deposits | 69.9544% | 4,147 |
| Total domestic deposits to total assets | 87.1299% | 1,786 |
| Equity capital to assets | 12.3848% | 1,608 |
| Core capital (leverage) ratio | 12.9345% | 1,251 |
| Tier 1 risk-based capital ratio | 23.2942% | 907 |
| Total risk-based capital ratio | 24.5568% | 887 |
| Memoranda: | ||
| Average total assets | $117,620,000 | 3,898 |
| Average earning assets | $114,482,670 | 3,800 |
| Average equity | $14,110,670 | 3,785 |
| Average total loans | $61,101,000 | 4,137 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1854% | 2,928 |
| Cost of funding earning assets | 0.4867% | 2,890 |
| Net interest margin | 3.6987% | 2,804 |
| Noninterest income to average assets | 0.1626% | 5,046 |
| Noninterest expense to average assets | 3.0750% | 1,887 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4403% | 4,840 |
| Return on assets (ROA) | 0.4403% | 4,843 |
| Pretax return on assets | 0.6909% | 4,466 |
| Return on Equity (ROE) | 3.7293% | 4,840 |
| Retained earnings to average equity (ytd only) | 3.7293% | 3,705 |
| Net charge-offs to loans | -0.0270% | 4,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6547% | 985 |
| Assets per employee ($millions) | 6.2946% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8439% | 181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 50.3230% | 4,535 |
| Net loans and leases to deposits | 57.5720% | 4,608 |
| Net loans and leases to core deposits | 61.5196% | 4,581 |
| Total domestic deposits to total assets | 87.4089% | 1,948 |
| Equity capital to assets | 12.2434% | 1,640 |
| Core capital (leverage) ratio | 12.4885% | 1,397 |
| Tier 1 risk-based capital ratio | 25.5257% | 721 |
| Total risk-based capital ratio | 26.7963% | 704 |
| Memoranda: | ||
| Average total assets | $118,112,500 | 3,933 |
| Average earning assets | $115,067,000 | 3,829 |
| Average equity | $13,943,500 | 3,835 |
| Average total loans | $59,286,500 | 4,214 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6957% | 1,207 |
| Cost of funding earning assets | 0.6734% | 1,163 |
| Net interest margin | 4.0223% | 1,683 |
| Noninterest income to average assets | 0.4360% | 3,399 |
| Noninterest expense to average assets | 3.3367% | 1,310 |
| Loan and lease loss provision to assets | -0.4308% | 5,639 |
| Net operating income to assets | 0.6456% | 3,835 |
| Return on assets (ROA) | 0.6462% | 3,868 |
| Pretax return on assets | 1.4157% | 1,940 |
| Return on Equity (ROE) | 4.5700% | 4,326 |
| Retained earnings to average equity (ytd only) | 4.5700% | 2,410 |
| Net charge-offs to loans | -0.5413% | 5,607 |
| Credit loss provision to net charge-offs | 126.0606% | 2,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2291% | 1,455 |
| Assets per employee ($millions) | 6.8291% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7802% | 181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 47.3646% | 4,807 |
| Net loans and leases to deposits | 53.6663% | 4,912 |
| Net loans and leases to core deposits | 61.9475% | 4,658 |
| Total domestic deposits to total assets | 88.2577% | 1,369 |
| Equity capital to assets | 11.4014% | 2,284 |
| Core capital (leverage) ratio | 13.0814% | 1,119 |
| Tier 1 risk-based capital ratio | 24.9312% | 731 |
| Total risk-based capital ratio | 26.2033% | 711 |
| Memoranda: | ||
| Average total assets | $96,561,600 | 4,301 |
| Average earning assets | $93,254,800 | 4,217 |
| Average equity | $13,654,200 | 3,891 |
| Average total loans | $60,958,800 | 4,182 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 684 |
| Cost of funding earning assets | 0.7255% | 864 |
| Net interest margin | 4.2204% | 1,104 |
| Noninterest income to average assets | 0.2816% | 4,504 |
| Noninterest expense to average assets | 3.5848% | 890 |
| Loan and lease loss provision to assets | -0.2223% | 5,665 |
| Net operating income to assets | 0.6061% | 4,370 |
| Return on assets (ROA) | 0.6061% | 4,410 |
| Pretax return on assets | 0.9795% | 3,768 |
| Return on Equity (ROE) | 4.0203% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.0203% | 3,529 |
| Net charge-offs to loans | -0.7099% | 5,677 |
| Credit loss provision to net charge-offs | 46.0123% | 2,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5597% | 873 |
| Assets per employee ($millions) | 4.8823% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0886% | 145 |
| Loan loss allowance to noncurrent loans | 786.5306% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 3,955 |
| Noncurrent loans to loans | 0.3927% | 3,548 |
| Net loans and leases to total assets | 68.8013% | 2,724 |
| Net loans and leases to deposits | 82.2349% | 2,754 |
| Net loans and leases to core deposits | 102.0266% | 1,545 |
| Total domestic deposits to total assets | 83.6645% | 3,239 |
| Equity capital to assets | 15.9054% | 559 |
| Core capital (leverage) ratio | 15.9034% | 504 |
| Tier 1 risk-based capital ratio | 23.4914% | 898 |
| Total risk-based capital ratio | 24.7660% | 880 |
| Memoranda: | ||
| Average total assets | $89,971,250 | 4,470 |
| Average earning assets | $86,561,250 | 4,395 |
| Average equity | $13,564,000 | 3,941 |
| Average total loans | $61,226,750 | 4,210 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9020% | 691 |
| Cost of funding earning assets | 0.7425% | 710 |
| Net interest margin | 4.1595% | 1,173 |
| Noninterest income to average assets | 0.1478% | 5,324 |
| Noninterest expense to average assets | 3.6639% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3088% | 5,198 |
| Return on assets (ROA) | 0.3088% | 5,219 |
| Pretax return on assets | 0.4875% | 5,025 |
| Return on Equity (ROE) | 2.0855% | 5,330 |
| Retained earnings to average equity (ytd only) | 2.0855% | 4,417 |
| Net charge-offs to loans | -1.0191% | 5,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2572% | 533 |
| Assets per employee ($millions) | 5.3188% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5412% | 90 |
| Loan loss allowance to noncurrent loans | 566.2088% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 3,589 |
| Noncurrent loans to loans | 0.6254% | 2,858 |
| Net loans and leases to total assets | 58.6382% | 3,962 |
| Net loans and leases to deposits | 68.7540% | 4,009 |
| Net loans and leases to core deposits | 91.7499% | 2,360 |
| Total domestic deposits to total assets | 85.2869% | 2,700 |
| Equity capital to assets | 14.3464% | 867 |
| Core capital (leverage) ratio | 15.2215% | 592 |
| Tier 1 risk-based capital ratio | 24.9828% | 748 |
| Total risk-based capital ratio | 26.2651% | 731 |
| Memoranda: | ||
| Average total assets | $90,667,670 | 4,486 |
| Average earning assets | $87,270,670 | 4,413 |
| Average equity | $13,426,000 | 3,974 |
| Average total loans | $60,838,670 | 4,246 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9290% | 590 |
| Cost of funding earning assets | 0.7696% | 581 |
| Net interest margin | 4.1594% | 1,070 |
| Noninterest income to average assets | 0.1634% | 5,299 |
| Noninterest expense to average assets | 3.8215% | 662 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2315% | 5,344 |
| Return on assets (ROA) | 0.2315% | 5,354 |
| Pretax return on assets | 0.3404% | 5,247 |
| Return on Equity (ROE) | 1.5371% | 5,415 |
| Retained earnings to average equity (ytd only) | 1.5371% | 4,485 |
| Net charge-offs to loans | -2.7671% | 5,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8212% | 458 |
| Assets per employee ($millions) | 4.9777% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5045% | 116 |
| Loan loss allowance to noncurrent loans | 890.2041% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 4,115 |
| Noncurrent loans to loans | 0.3937% | 3,691 |
| Net loans and leases to total assets | 67.0260% | 2,814 |
| Net loans and leases to deposits | 79.0819% | 2,853 |
| Net loans and leases to core deposits | 107.1761% | 1,027 |
| Total domestic deposits to total assets | 84.7552% | 3,187 |
| Equity capital to assets | 14.9479% | 666 |
| Core capital (leverage) ratio | 15.3534% | 547 |
| Tier 1 risk-based capital ratio | 23.2753% | 942 |
| Total risk-based capital ratio | 24.5551% | 925 |
| Memoranda: | ||
| Average total assets | $88,132,500 | 4,568 |
| Average earning assets | $84,723,500 | 4,500 |
| Average equity | $13,271,500 | 4,021 |
| Average total loans | $62,158,000 | 4,238 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3771% | 305 |
| Cost of funding earning assets | 0.8617% | 364 |
| Net interest margin | 4.5155% | 600 |
| Noninterest income to average assets | 0.2004% | 5,215 |
| Noninterest expense to average assets | 3.7684% | 807 |
| Loan and lease loss provision to assets | -0.4504% | 5,871 |
| Net operating income to assets | 0.7453% | 3,560 |
| Return on assets (ROA) | 0.7611% | 3,593 |
| Pretax return on assets | 1.2261% | 2,573 |
| Return on Equity (ROE) | 5.0891% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.0891% | 2,292 |
| Net charge-offs to loans | 0.1884% | 1,474 |
| Credit loss provision to net charge-offs | -341.8803% | 5,106 |
| Earnings coverage of net charge-offs (x) | 5.7009% | 3,300 |
| Efficiency ratio | 83.3832% | 1,066 |
| Assets per employee ($millions) | 4.1270% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8205% | 214 |
| Loan loss allowance to noncurrent loans | 238.2313% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 2,225 |
| Noncurrent loans to loans | 1.1839% | 1,735 |
| Net loans and leases to total assets | 69.6113% | 2,538 |
| Net loans and leases to deposits | 84.5704% | 2,350 |
| Net loans and leases to core deposits | 117.2344% | 572 |
| Total domestic deposits to total assets | 82.3116% | 3,988 |
| Equity capital to assets | 15.1730% | 613 |
| Core capital (leverage) ratio | 15.1947% | 579 |
| Tier 1 risk-based capital ratio | 22.4964% | 1,012 |
| Total risk-based capital ratio | 23.7705% | 995 |
| Memoranda: | ||
| Average total assets | $88,817,200 | 4,567 |
| Average earning assets | $84,952,200 | 4,497 |
| Average equity | $13,283,400 | 4,058 |
| Average total loans | $62,102,600 | 4,225 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4592% | 270 |
| Cost of funding earning assets | 0.8685% | 345 |
| Net interest margin | 4.5907% | 517 |
| Noninterest income to average assets | 0.1791% | 5,385 |
| Noninterest expense to average assets | 3.7736% | 768 |
| Loan and lease loss provision to assets | -0.5969% | 5,951 |
| Net operating income to assets | 0.8549% | 3,129 |
| Return on assets (ROA) | 0.8759% | 3,154 |
| Pretax return on assets | 1.4205% | 1,970 |
| Return on Equity (ROE) | 5.8772% | 4,133 |
| Retained earnings to average equity (ytd only) | 5.8772% | 2,253 |
| Net charge-offs to loans | 0.2598% | 899 |
| Credit loss provision to net charge-offs | -330.5785% | 4,972 |
| Earnings coverage of net charge-offs (x) | 4.3802% | 3,276 |
| Efficiency ratio | 82.6741% | 1,107 |
| Assets per employee ($millions) | 5.6249% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9042% | 213 |
| Loan loss allowance to noncurrent loans | 217.8304% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 1.2278% | 1,612 |
| Noncurrent loans to loans | 1.3332% | 1,659 |
| Net loans and leases to total assets | 64.8992% | 3,284 |
| Net loans and leases to deposits | 78.9308% | 3,086 |
| Net loans and leases to core deposits | 107.9830% | 1,054 |
| Total domestic deposits to total assets | 82.2229% | 3,871 |
| Equity capital to assets | 15.3081% | 669 |
| Core capital (leverage) ratio | 15.0248% | 628 |
| Tier 1 risk-based capital ratio | 22.8084% | 1,027 |
| Total risk-based capital ratio | 24.0832% | 1,010 |
| Memoranda: | ||
| Average total assets | $89,354,750 | 4,595 |
| Average earning assets | $85,359,000 | 4,524 |
| Average equity | $13,316,750 | 4,078 |
| Average total loans | $62,108,000 | 4,256 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4463% | 278 |
| Cost of funding earning assets | 0.8597% | 359 |
| Net interest margin | 4.5866% | 521 |
| Noninterest income to average assets | 0.1930% | 5,338 |
| Noninterest expense to average assets | 3.9084% | 670 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4306% | 4,938 |
| Return on assets (ROA) | 0.4622% | 4,916 |
| Pretax return on assets | 0.7269% | 4,540 |
| Return on Equity (ROE) | 3.1299% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.1299% | 3,911 |
| Net charge-offs to loans | 0.4876% | 450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.9739% | 3,346 |
| Efficiency ratio | 85.2250% | 947 |
| Assets per employee ($millions) | 4.8289% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4458% | 130 |
| Loan loss allowance to noncurrent loans | 111.6095% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 2.3957% | 601 |
| Noncurrent loans to loans | 3.0874% | 473 |
| Net loans and leases to total assets | 64.5936% | 3,282 |
| Net loans and leases to deposits | 77.8591% | 3,173 |
| Net loans and leases to core deposits | 103.6283% | 1,349 |
| Total domestic deposits to total assets | 82.9622% | 3,671 |
| Equity capital to assets | 14.6214% | 839 |
| Core capital (leverage) ratio | 14.2494% | 760 |
| Tier 1 risk-based capital ratio | 22.0998% | 1,125 |
| Total risk-based capital ratio | 23.3787% | 1,107 |
| Memoranda: | ||
| Average total assets | $89,140,330 | 4,633 |
| Average earning assets | $85,378,670 | 4,553 |
| Average equity | $13,163,330 | 4,130 |
| Average total loans | $62,759,000 | 4,264 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9842% | 126 |
| Cost of funding earning assets | 0.8522% | 387 |
| Net interest margin | 5.1320% | 194 |
| Noninterest income to average assets | 0.2095% | 5,230 |
| Noninterest expense to average assets | 3.9665% | 627 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6831% | 3,801 |
| Return on assets (ROA) | 0.6831% | 3,913 |
| Pretax return on assets | 1.1521% | 2,883 |
| Return on Equity (ROE) | 4.6021% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.6021% | 3,173 |
| Net charge-offs to loans | 0.9898% | 188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.6115% | 2,791 |
| Efficiency ratio | 77.4911% | 1,970 |
| Assets per employee ($millions) | 5.2911% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4956% | 139 |
| Loan loss allowance to noncurrent loans | 123.6673% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 2.2346% | 726 |
| Noncurrent loans to loans | 2.8266% | 606 |
| Net loans and leases to total assets | 64.7919% | 3,136 |
| Net loans and leases to deposits | 78.2584% | 2,976 |
| Net loans and leases to core deposits | 104.8730% | 1,143 |
| Total domestic deposits to total assets | 82.7923% | 3,970 |
| Equity capital to assets | 14.6262% | 799 |
| Core capital (leverage) ratio | 15.0175% | 601 |
| Tier 1 risk-based capital ratio | 22.7641% | 1,043 |
| Total risk-based capital ratio | 24.0452% | 1,013 |
| Memoranda: | ||
| Average total assets | $87,836,000 | 4,700 |
| Average earning assets | $84,021,500 | 4,621 |
| Average equity | $13,037,500 | 4,158 |
| Average total loans | $63,449,000 | 4,278 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9685% | 139 |
| Cost of funding earning assets | 0.8500% | 370 |
| Net interest margin | 5.1185% | 205 |
| Noninterest income to average assets | 0.3821% | 4,171 |
| Noninterest expense to average assets | 4.0452% | 626 |
| Loan and lease loss provision to assets | 0.0276% | 3,827 |
| Net operating income to assets | 0.7204% | 3,708 |
| Return on assets (ROA) | 0.7204% | 3,815 |
| Pretax return on assets | 1.1393% | 2,887 |
| Return on Equity (ROE) | 5.2653% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.2653% | 2,232 |
| Net charge-offs to loans | 0.0429% | 3,361 |
| Credit loss provision to net charge-offs | 80.0000% | 2,948 |
| Earnings coverage of net charge-offs (x) | 33.8000% | 1,331 |
| Efficiency ratio | 77.6110% | 2,028 |
| Assets per employee ($millions) | 5.0426% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4101% | 142 |
| Loan loss allowance to noncurrent loans | 111.8343% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 2.7192% | 536 |
| Noncurrent loans to loans | 3.0493% | 518 |
| Net loans and leases to total assets | 74.9382% | 1,581 |
| Net loans and leases to deposits | 90.9709% | 1,508 |
| Net loans and leases to core deposits | 114.9236% | 638 |
| Total domestic deposits to total assets | 82.3760% | 4,062 |
| Equity capital to assets | 15.0705% | 654 |
| Core capital (leverage) ratio | 14.5255% | 706 |
| Tier 1 risk-based capital ratio | 20.8319% | 1,326 |
| Total risk-based capital ratio | 22.1113% | 1,298 |
| Memoranda: | ||
| Average total assets | $86,892,400 | 4,730 |
| Average earning assets | $81,996,600 | 4,675 |
| Average equity | $11,889,200 | 4,327 |
| Average total loans | $69,936,200 | 4,090 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8796% | 156 |
| Cost of funding earning assets | 0.8453% | 384 |
| Net interest margin | 5.0343% | 233 |
| Noninterest income to average assets | 0.3517% | 4,425 |
| Noninterest expense to average assets | 4.1413% | 567 |
| Loan and lease loss provision to assets | 0.0367% | 3,480 |
| Net operating income to assets | 0.5322% | 4,668 |
| Return on assets (ROA) | 0.5322% | 4,767 |
| Pretax return on assets | 0.9099% | 3,952 |
| Return on Equity (ROE) | 3.9890% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.9890% | 3,626 |
| Net charge-offs to loans | 0.0772% | 2,456 |
| Credit loss provision to net charge-offs | 58.5366% | 2,927 |
| Earnings coverage of net charge-offs (x) | 15.0962% | 2,205 |
| Efficiency ratio | 81.3946% | 1,479 |
| Assets per employee ($millions) | 5.5881% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1436% | 212 |
| Loan loss allowance to noncurrent loans | 186.0676% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 1.8410% | 1,148 |
| Noncurrent loans to loans | 1.6895% | 1,437 |
| Net loans and leases to total assets | 77.7765% | 1,137 |
| Net loans and leases to deposits | 95.9755% | 1,005 |
| Net loans and leases to core deposits | 118.8576% | 505 |
| Total domestic deposits to total assets | 81.0379% | 4,464 |
| Equity capital to assets | 14.2322% | 938 |
| Core capital (leverage) ratio | 14.5322% | 730 |
| Tier 1 risk-based capital ratio | 18.8850% | 1,802 |
| Total risk-based capital ratio | 20.1631% | 1,762 |
| Memoranda: | ||
| Average total assets | $87,184,500 | 4,784 |
| Average earning assets | $82,021,250 | 4,733 |
| Average equity | $11,631,750 | 4,419 |
| Average total loans | $70,793,250 | 4,114 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8739% | 153 |
| Cost of funding earning assets | 0.8532% | 376 |
| Net interest margin | 5.0207% | 236 |
| Noninterest income to average assets | 0.3933% | 4,129 |
| Noninterest expense to average assets | 4.3104% | 488 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4812% | 4,844 |
| Return on assets (ROA) | 0.4812% | 4,947 |
| Pretax return on assets | 0.8075% | 4,293 |
| Return on Equity (ROE) | 3.6921% | 5,140 |
| Retained earnings to average equity (ytd only) | 3.6921% | 3,674 |
| Net charge-offs to loans | -0.0880% | 5,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2224% | 1,237 |
| Assets per employee ($millions) | 3.8687% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3016% | 193 |
| Loan loss allowance to noncurrent loans | 149.5782% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 2.3193% | 861 |
| Noncurrent loans to loans | 2.2073% | 1,084 |
| Net loans and leases to total assets | 79.3188% | 896 |
| Net loans and leases to deposits | 94.4909% | 1,105 |
| Net loans and leases to core deposits | 117.3763% | 546 |
| Total domestic deposits to total assets | 83.9433% | 3,592 |
| Equity capital to assets | 13.3402% | 1,243 |
| Core capital (leverage) ratio | 13.1699% | 1,107 |
| Tier 1 risk-based capital ratio | 17.5184% | 2,214 |
| Total risk-based capital ratio | 18.7996% | 2,156 |
| Memoranda: | ||
| Average total assets | $86,442,670 | 4,846 |
| Average earning assets | $81,343,330 | 4,796 |
| Average equity | $11,267,330 | 4,520 |
| Average total loans | $70,458,670 | 4,147 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8830% | 149 |
| Cost of funding earning assets | 0.8467% | 385 |
| Net interest margin | 5.0363% | 238 |
| Noninterest income to average assets | 0.3811% | 4,158 |
| Noninterest expense to average assets | 4.2430% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5189% | 4,588 |
| Return on assets (ROA) | 0.5189% | 4,708 |
| Pretax return on assets | 0.8633% | 4,011 |
| Return on Equity (ROE) | 4.0271% | 4,970 |
| Retained earnings to average equity (ytd only) | 4.0271% | 3,589 |
| Net charge-offs to loans | -0.1074% | 5,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0935% | 1,480 |
| Assets per employee ($millions) | 3.9526% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3154% | 210 |
| Loan loss allowance to noncurrent loans | 174.3726% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 2.0102% | 1,175 |
| Noncurrent loans to loans | 1.9013% | 1,420 |
| Net loans and leases to total assets | 76.8992% | 1,074 |
| Net loans and leases to deposits | 91.2017% | 1,271 |
| Net loans and leases to core deposits | 111.9725% | 657 |
| Total domestic deposits to total assets | 84.3177% | 3,691 |
| Equity capital to assets | 13.0626% | 1,366 |
| Core capital (leverage) ratio | 12.8508% | 1,216 |
| Tier 1 risk-based capital ratio | 17.0406% | 2,467 |
| Total risk-based capital ratio | 18.3036% | 2,419 |
| Memoranda: | ||
| Average total assets | $87,108,500 | 4,879 |
| Average earning assets | $81,727,000 | 4,824 |
| Average equity | $11,224,000 | 4,555 |
| Average total loans | $70,781,000 | 4,166 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1415% | 131 |
| Cost of funding earning assets | 0.8542% | 491 |
| Net interest margin | 5.2872% | 186 |
| Noninterest income to average assets | 0.3284% | 4,766 |
| Noninterest expense to average assets | 2.6587% | 4,013 |
| Loan and lease loss provision to assets | 1.6455% | 46 |
| Net operating income to assets | 0.5764% | 4,477 |
| Return on assets (ROA) | 0.5764% | 4,560 |
| Pretax return on assets | 0.9540% | 3,669 |
| Return on Equity (ROE) | 4.8078% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.8078% | 2,751 |
| Net charge-offs to loans | 2.7391% | 46 |
| Credit loss provision to net charge-offs | 69.7774% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1.1023% | 4,493 |
| Efficiency ratio | 50.5630% | 6,063 |
| Assets per employee ($millions) | 3.9663% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1409% | 255 |
| Loan loss allowance to noncurrent loans | 214.1243% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 1.9620% | 1,313 |
| Noncurrent loans to loans | 1.4669% | 2,002 |
| Net loans and leases to total assets | 80.3642% | 694 |
| Net loans and leases to deposits | 94.8597% | 1,007 |
| Net loans and leases to core deposits | 116.2184% | 518 |
| Total domestic deposits to total assets | 84.7191% | 3,409 |
| Equity capital to assets | 12.7081% | 1,533 |
| Core capital (leverage) ratio | 12.2431% | 1,481 |
| Tier 1 risk-based capital ratio | 14.9031% | 3,538 |
| Total risk-based capital ratio | 16.1765% | 3,462 |
| Memoranda: | ||
| Average total assets | $89,516,000 | 4,846 |
| Average earning assets | $83,465,400 | 4,807 |
| Average equity | $10,732,600 | 4,614 |
| Average total loans | $77,068,200 | 3,966 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1684% | 131 |
| Cost of funding earning assets | 0.8367% | 572 |
| Net interest margin | 5.3317% | 173 |
| Noninterest income to average assets | 0.3138% | 4,932 |
| Noninterest expense to average assets | 2.0633% | 5,650 |
| Loan and lease loss provision to assets | 1.9715% | 33 |
| Net operating income to assets | 0.7963% | 3,446 |
| Return on assets (ROA) | 0.7963% | 3,547 |
| Pretax return on assets | 1.2492% | 2,578 |
| Return on Equity (ROE) | 6.7395% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.7395% | 1,960 |
| Net charge-offs to loans | 2.2905% | 82 |
| Credit loss provision to net charge-offs | 99.1071% | 2,261 |
| Earnings coverage of net charge-offs (x) | 1.6190% | 4,116 |
| Efficiency ratio | 39.0476% | 6,473 |
| Assets per employee ($millions) | 4.5082% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7971% | 186 |
| Loan loss allowance to noncurrent loans | 136.2782% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 2.8404% | 854 |
| Noncurrent loans to loans | 2.7863% | 998 |
| Net loans and leases to total assets | 81.4904% | 560 |
| Net loans and leases to deposits | 97.6685% | 756 |
| Net loans and leases to core deposits | 119.5474% | 407 |
| Total domestic deposits to total assets | 83.4357% | 3,978 |
| Equity capital to assets | 12.1235% | 1,961 |
| Core capital (leverage) ratio | 11.8149% | 1,823 |
| Tier 1 risk-based capital ratio | 13.7505% | 4,386 |
| Total risk-based capital ratio | 15.0339% | 4,298 |
| Memoranda: | ||
| Average total assets | $90,080,250 | 4,887 |
| Average earning assets | $83,973,750 | 4,834 |
| Average equity | $10,643,500 | 4,660 |
| Average total loans | $78,235,500 | 3,954 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1650% | 123 |
| Cost of funding earning assets | 0.8257% | 624 |
| Net interest margin | 5.3393% | 161 |
| Noninterest income to average assets | 0.2909% | 5,093 |
| Noninterest expense to average assets | 1.2593% | 6,539 |
| Loan and lease loss provision to assets | 2.8894% | 18 |
| Net operating income to assets | 0.7085% | 3,792 |
| Return on assets (ROA) | 0.7085% | 3,887 |
| Pretax return on assets | 1.0971% | 3,114 |
| Return on Equity (ROE) | 6.0487% | 4,123 |
| Retained earnings to average equity (ytd only) | 6.0487% | 2,296 |
| Net charge-offs to loans | 3.4138% | 38 |
| Credit loss provision to net charge-offs | 96.6568% | 2,069 |
| Earnings coverage of net charge-offs (x) | 1.3336% | 3,840 |
| Efficiency ratio | 24.0051% | 6,627 |
| Assets per employee ($millions) | 4.7497% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6812% | 216 |
| Loan loss allowance to noncurrent loans | 104.7497% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 3.6412% | 626 |
| Noncurrent loans to loans | 3.5143% | 749 |
| Net loans and leases to total assets | 83.1246% | 367 |
| Net loans and leases to deposits | 105.2369% | 328 |
| Net loans and leases to core deposits | 130.8660% | 218 |
| Total domestic deposits to total assets | 78.9881% | 5,462 |
| Equity capital to assets | 11.8955% | 2,067 |
| Core capital (leverage) ratio | 11.5662% | 1,953 |
| Tier 1 risk-based capital ratio | 13.1757% | 4,803 |
| Total risk-based capital ratio | 14.4602% | 4,712 |
| Memoranda: | ||
| Average total assets | $90,052,330 | 4,930 |
| Average earning assets | $83,568,330 | 4,885 |
| Average equity | $10,547,670 | 4,696 |
| Average total loans | $78,855,670 | 3,945 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0480% | 135 |
| Cost of funding earning assets | 0.8160% | 689 |
| Net interest margin | 5.2320% | 175 |
| Noninterest income to average assets | 0.1423% | 6,120 |
| Noninterest expense to average assets | 0.7470% | 6,704 |
| Loan and lease loss provision to assets | 3.0504% | 19 |
| Net operating income to assets | 0.8271% | 3,020 |
| Return on assets (ROA) | 0.8271% | 3,089 |
| Pretax return on assets | 1.1917% | 2,517 |
| Return on Equity (ROE) | 7.1169% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.1169% | 1,973 |
| Net charge-offs to loans | 6.7858% | 13 |
| Credit loss provision to net charge-offs | 50.9658% | 2,191 |
| Earnings coverage of net charge-offs (x) | 0.7088% | 3,280 |
| Efficiency ratio | 14.9733% | 6,718 |
| Assets per employee ($millions) | 4.1265% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8826% | 492 |
| Loan loss allowance to noncurrent loans | 124.5575% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 2.5963% | 1,201 |
| Noncurrent loans to loans | 2.3142% | 1,535 |
| Net loans and leases to total assets | 83.5771% | 258 |
| Net loans and leases to deposits | 105.3060% | 252 |
| Net loans and leases to core deposits | 129.4651% | 191 |
| Total domestic deposits to total assets | 79.3660% | 5,618 |
| Equity capital to assets | 11.6356% | 2,147 |
| Core capital (leverage) ratio | 11.2420% | 2,182 |
| Tier 1 risk-based capital ratio | 13.0782% | 4,959 |
| Total risk-based capital ratio | 14.3605% | 4,880 |
| Memoranda: | ||
| Average total assets | $89,956,500 | 4,972 |
| Average earning assets | $83,333,000 | 4,936 |
| Average equity | $10,454,000 | 4,739 |
| Average total loans | $79,342,500 | 3,959 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6900% | 81 |
| Cost of funding earning assets | 1.1129% | 266 |
| Net interest margin | 5.5771% | 116 |
| Noninterest income to average assets | 0.6581% | 2,766 |
| Noninterest expense to average assets | 5.4577% | 252 |
| Loan and lease loss provision to assets | 1.1828% | 139 |
| Net operating income to assets | -0.4550% | 6,477 |
| Return on assets (ROA) | -0.4550% | 6,485 |
| Pretax return on assets | -0.7591% | 6,546 |
| Return on Equity (ROE) | -3.6333% | 6,451 |
| Retained earnings to average equity (ytd only) | -3.6333% | 6,304 |
| Net charge-offs to loans | 0.1589% | 3,214 |
| Credit loss provision to net charge-offs | 808.7302% | 305 |
| Earnings coverage of net charge-offs (x) | 2.8968% | 4,033 |
| Efficiency ratio | 92.7965% | 822 |
| Assets per employee ($millions) | 4.6911% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6147% | 261 |
| Loan loss allowance to noncurrent loans | 142.6053% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 3.4668% | 846 |
| Noncurrent loans to loans | 2.5348% | 1,481 |
| Net loans and leases to total assets | 87.1167% | 112 |
| Net loans and leases to deposits | 110.9796% | 158 |
| Net loans and leases to core deposits | 145.6975% | 114 |
| Total domestic deposits to total assets | 78.4979% | 5,739 |
| Equity capital to assets | 11.6065% | 2,093 |
| Core capital (leverage) ratio | 10.4965% | 2,927 |
| Tier 1 risk-based capital ratio | 11.9778% | 5,625 |
| Total risk-based capital ratio | 13.2803% | 5,535 |
| Memoranda: | ||
| Average total assets | $86,153,400 | 5,079 |
| Average earning assets | $80,687,400 | 5,021 |
| Average equity | $10,789,000 | 4,679 |
| Average total loans | $79,309,600 | 3,959 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7846% | 73 |
| Cost of funding earning assets | 1.1807% | 216 |
| Net interest margin | 5.6038% | 118 |
| Noninterest income to average assets | 0.7290% | 2,464 |
| Noninterest expense to average assets | 3.9573% | 898 |
| Loan and lease loss provision to assets | 0.6307% | 369 |
| Net operating income to assets | 0.7790% | 3,466 |
| Return on assets (ROA) | 0.7790% | 3,591 |
| Pretax return on assets | 1.3940% | 1,951 |
| Return on Equity (ROE) | 6.1039% | 4,133 |
| Retained earnings to average equity (ytd only) | 6.1039% | 2,345 |
| Net charge-offs to loans | 0.1873% | 2,723 |
| Credit loss provision to net charge-offs | 363.9640% | 726 |
| Earnings coverage of net charge-offs (x) | 11.6844% | 2,213 |
| Efficiency ratio | 66.1534% | 4,451 |
| Assets per employee ($millions) | 4.7357% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8931% | 622 |
| Loan loss allowance to noncurrent loans | 196.2649% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 2.4650% | 1,567 |
| Noncurrent loans to loans | 1.4741% | 2,955 |
| Net loans and leases to total assets | 86.2455% | 141 |
| Net loans and leases to deposits | 103.8279% | 301 |
| Net loans and leases to core deposits | 132.4560% | 160 |
| Total domestic deposits to total assets | 83.0659% | 4,549 |
| Equity capital to assets | 12.5053% | 1,576 |
| Core capital (leverage) ratio | 12.2366% | 1,549 |
| Tier 1 risk-based capital ratio | 13.7515% | 4,599 |
| Total risk-based capital ratio | 15.0230% | 4,541 |
| Memoranda: | ||
| Average total assets | $85,409,000 | 5,149 |
| Average earning assets | $80,062,000 | 5,089 |
| Average equity | $10,900,000 | 4,706 |
| Average total loans | $78,997,000 | 4,004 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6849% | 79 |
| Cost of funding earning assets | 1.2552% | 171 |
| Net interest margin | 5.4297% | 151 |
| Noninterest income to average assets | 0.8225% | 2,101 |
| Noninterest expense to average assets | 4.0841% | 786 |
| Loan and lease loss provision to assets | 0.9632% | 199 |
| Net operating income to assets | 0.2432% | 5,790 |
| Return on assets (ROA) | 0.2432% | 5,917 |
| Pretax return on assets | 0.8702% | 4,022 |
| Return on Equity (ROE) | 1.8919% | 5,984 |
| Retained earnings to average equity (ytd only) | 1.8919% | 5,061 |
| Net charge-offs to loans | 0.0762% | 3,624 |
| Credit loss provision to net charge-offs | 1,346.6667% | 233 |
| Earnings coverage of net charge-offs (x) | 25.6333% | 1,262 |
| Efficiency ratio | 69.0169% | 4,003 |
| Assets per employee ($millions) | 4.1402% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8931% | 645 |
| Loan loss allowance to noncurrent loans | 101.4843% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 3.3021% | 1,191 |
| Noncurrent loans to loans | 2.8508% | 1,585 |
| Net loans and leases to total assets | 92.3813% | 16 |
| Net loans and leases to deposits | 111.4333% | 121 |
| Net loans and leases to core deposits | 136.6149% | 150 |
| Total domestic deposits to total assets | 82.9028% | 4,736 |
| Equity capital to assets | 12.4885% | 1,579 |
| Core capital (leverage) ratio | 12.4614% | 1,377 |
| Tier 1 risk-based capital ratio | 13.1053% | 5,067 |
| Total risk-based capital ratio | 14.3776% | 4,990 |
| Memoranda: | ||
| Average total assets | $83,886,000 | 5,226 |
| Average earning assets | $78,714,670 | 5,145 |
| Average equity | $10,782,670 | 4,769 |
| Average total loans | $78,691,330 | 4,020 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6611% | 83 |
| Cost of funding earning assets | 1.3996% | 95 |
| Net interest margin | 5.2615% | 180 |
| Noninterest income to average assets | 0.6897% | 2,650 |
| Noninterest expense to average assets | 4.1235% | 772 |
| Loan and lease loss provision to assets | 0.9325% | 205 |
| Net operating income to assets | 0.0486% | 6,251 |
| Return on assets (ROA) | 0.0486% | 6,334 |
| Pretax return on assets | 0.5634% | 5,069 |
| Return on Equity (ROE) | 0.3723% | 6,356 |
| Retained earnings to average equity (ytd only) | 0.3723% | 5,670 |
| Net charge-offs to loans | 0.1617% | 2,431 |
| Credit loss provision to net charge-offs | 619.3548% | 442 |
| Earnings coverage of net charge-offs (x) | 9.9355% | 1,791 |
| Efficiency ratio | 73.3794% | 3,376 |
| Assets per employee ($millions) | 4.8852% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7881% | 832 |
| Loan loss allowance to noncurrent loans | 91.6737% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 3.4823% | 1,226 |
| Noncurrent loans to loans | 3.0413% | 1,644 |
| Net loans and leases to total assets | 91.5231% | 21 |
| Net loans and leases to deposits | 111.8092% | 109 |
| Net loans and leases to core deposits | 141.0212% | 121 |
| Total domestic deposits to total assets | 81.8565% | 5,252 |
| Equity capital to assets | 12.9514% | 1,454 |
| Core capital (leverage) ratio | 12.9781% | 1,122 |
| Tier 1 risk-based capital ratio | 13.6798% | 4,737 |
| Total risk-based capital ratio | 14.9508% | 4,687 |
| Memoranda: | ||
| Average total assets | $82,357,000 | 5,310 |
| Average earning assets | $77,165,000 | 5,233 |
| Average equity | $10,745,000 | 4,824 |
| Average total loans | $76,680,500 | 4,112 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7778% | 93 |
| Cost of funding earning assets | 1.1227% | 833 |
| Net interest margin | 5.6551% | 140 |
| Noninterest income to average assets | 5.9093% | 119 |
| Noninterest expense to average assets | 6.9331% | 152 |
| Loan and lease loss provision to assets | 1.0569% | 366 |
| Net operating income to assets | 3.6661% | 72 |
| Return on assets (ROA) | 3.6661% | 72 |
| Pretax return on assets | 3.2961% | 118 |
| Return on Equity (ROE) | 30.0728% | 63 |
| Retained earnings to average equity (ytd only) | 30.0728% | 22 |
| Net charge-offs to loans | -0.0328% | 6,626 |
| Credit loss provision to net charge-offs | -3,636.3636% | 6,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4304% | 5,327 |
| Assets per employee ($millions) | 4.5369% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6858% | 935 |
| Loan loss allowance to noncurrent loans | 150.5593% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 2.2715% | 2,161 |
| Noncurrent loans to loans | 1.7839% | 2,939 |
| Net loans and leases to total assets | 89.5769% | 61 |
| Net loans and leases to deposits | 110.5832% | 148 |
| Net loans and leases to core deposits | 122.2252% | 259 |
| Total domestic deposits to total assets | 81.0041% | 5,405 |
| Equity capital to assets | 13.1439% | 1,377 |
| Core capital (leverage) ratio | 13.1403% | 1,063 |
| Tier 1 risk-based capital ratio | 14.5400% | 4,002 |
| Total risk-based capital ratio | 15.8102% | 3,946 |
| Memoranda: | ||
| Average total assets | $75,694,400 | 5,467 |
| Average earning assets | $71,970,000 | 5,373 |
| Average equity | $9,227,600 | 5,164 |
| Average total loans | $67,010,600 | 4,461 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6570% | 115 |
| Cost of funding earning assets | 1.1631% | 821 |
| Net interest margin | 5.4939% | 175 |
| Noninterest income to average assets | 6.0410% | 114 |
| Noninterest expense to average assets | 7.0239% | 142 |
| Loan and lease loss provision to assets | 0.8643% | 529 |
| Net operating income to assets | 3.9369% | 65 |
| Return on assets (ROA) | 3.9369% | 67 |
| Pretax return on assets | 3.3979% | 113 |
| Return on Equity (ROE) | 33.0049% | 47 |
| Retained earnings to average equity (ytd only) | 33.0049% | 24 |
| Net charge-offs to loans | -0.0410% | 6,659 |
| Credit loss provision to net charge-offs | -2,405.0000% | 6,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2353% | 5,117 |
| Assets per employee ($millions) | 3.1258% | 5,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3689% | 1,407 |
| Loan loss allowance to noncurrent loans | 301.0638% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 1.4051% | 3,498 |
| Noncurrent loans to loans | 0.7868% | 4,832 |
| Net loans and leases to total assets | 89.5516% | 56 |
| Net loans and leases to deposits | 109.3590% | 168 |
| Net loans and leases to core deposits | 120.7568% | 293 |
| Total domestic deposits to total assets | 81.8877% | 5,061 |
| Equity capital to assets | 12.9066% | 1,642 |
| Core capital (leverage) ratio | 12.5869% | 1,368 |
| Tier 1 risk-based capital ratio | 14.7080% | 4,041 |
| Total risk-based capital ratio | 15.9738% | 3,998 |
| Memoranda: | ||
| Average total assets | $74,201,750 | 5,563 |
| Average earning assets | $70,841,000 | 5,463 |
| Average equity | $8,851,000 | 5,307 |
| Average total loans | $64,970,250 | 4,594 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2532% | 200 |
| Cost of funding earning assets | 1.1676% | 952 |
| Net interest margin | 5.0856% | 345 |
| Noninterest income to average assets | 4.6181% | 147 |
| Noninterest expense to average assets | 6.4456% | 179 |
| Loan and lease loss provision to assets | 0.3430% | 1,918 |
| Net operating income to assets | 3.2544% | 88 |
| Return on assets (ROA) | 3.2544% | 90 |
| Pretax return on assets | 2.7056% | 219 |
| Return on Equity (ROE) | 28.1065% | 101 |
| Retained earnings to average equity (ytd only) | 28.1065% | 46 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8902% | 4,143 |
| Assets per employee ($millions) | 2.9710% | 6,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9038% | 2,550 |
| Loan loss allowance to noncurrent loans | 229.9130% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 1.4357% | 3,559 |
| Noncurrent loans to loans | 0.8281% | 4,863 |
| Net loans and leases to total assets | 88.1808% | 74 |
| Net loans and leases to deposits | 108.0588% | 179 |
| Net loans and leases to core deposits | 132.1736% | 202 |
| Total domestic deposits to total assets | 81.6045% | 5,268 |
| Equity capital to assets | 11.7429% | 2,374 |
| Core capital (leverage) ratio | 12.2223% | 1,485 |
| Tier 1 risk-based capital ratio | 13.6308% | 4,717 |
| Total risk-based capital ratio | 14.7833% | 4,761 |
| Memoranda: | ||
| Average total assets | $72,887,000 | 5,639 |
| Average earning assets | $69,884,000 | 5,525 |
| Average equity | $8,439,330 | 5,435 |
| Average total loans | $62,734,000 | 4,683 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9949% | 306 |
| Cost of funding earning assets | 1.1034% | 1,393 |
| Net interest margin | 4.8915% | 476 |
| Noninterest income to average assets | 3.7337% | 184 |
| Noninterest expense to average assets | 5.6911% | 236 |
| Loan and lease loss provision to assets | 0.4243% | 1,477 |
| Net operating income to assets | 2.8738% | 114 |
| Return on assets (ROA) | 2.8738% | 138 |
| Pretax return on assets | 2.3081% | 451 |
| Return on Equity (ROE) | 25.0138% | 183 |
| Retained earnings to average equity (ytd only) | 25.0138% | 93 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5621% | 4,263 |
| Assets per employee ($millions) | 3.0248% | 6,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9937% | 2,376 |
| Loan loss allowance to noncurrent loans | 127,200.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.8397% | 4,854 |
| Noncurrent loans to loans | 0.0016% | 6,808 |
| Net loans and leases to total assets | 82.6898% | 238 |
| Net loans and leases to deposits | 98.8945% | 406 |
| Net loans and leases to core deposits | 119.0322% | 325 |
| Total domestic deposits to total assets | 83.6141% | 4,670 |
| Equity capital to assets | 11.0844% | 2,811 |
| Core capital (leverage) ratio | 11.7234% | 1,753 |
| Tier 1 risk-based capital ratio | 14.3939% | 4,182 |
| Total risk-based capital ratio | 15.6561% | 4,142 |
| Memoranda: | ||
| Average total assets | $70,707,000 | 5,746 |
| Average earning assets | $67,791,500 | 5,630 |
| Average equity | $8,123,500 | 5,556 |
| Average total loans | $59,381,500 | 4,842 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3499% | 234 |
| Cost of funding earning assets | 1.2555% | 1,698 |
| Net interest margin | 5.0944% | 342 |
| Noninterest income to average assets | 4.5215% | 138 |
| Noninterest expense to average assets | 5.4949% | 264 |
| Loan and lease loss provision to assets | -0.2541% | 7,311 |
| Net operating income to assets | 4.2009% | 49 |
| Return on assets (ROA) | 4.2009% | 50 |
| Pretax return on assets | 4.2009% | 73 |
| Return on Equity (ROE) | 42.0869% | 15 |
| Retained earnings to average equity (ytd only) | 42.0869% | 6 |
| Net charge-offs to loans | -0.6298% | 7,289 |
| Credit loss provision to net charge-offs | 48.4177% | 5,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1985% | 6,024 |
| Assets per employee ($millions) | 2.7414% | 6,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1779% | 1,840 |
| Loan loss allowance to noncurrent loans | 225.4237% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 1.2144% | 4,207 |
| Noncurrent loans to loans | 0.9661% | 4,774 |
| Net loans and leases to total assets | 81.7157% | 360 |
| Net loans and leases to deposits | 99.8440% | 462 |
| Net loans and leases to core deposits | 121.6490% | 328 |
| Total domestic deposits to total assets | 81.8433% | 5,178 |
| Equity capital to assets | 11.9540% | 2,163 |
| Core capital (leverage) ratio | 11.6121% | 1,814 |
| Tier 1 risk-based capital ratio | 14.7977% | 3,759 |
| Total risk-based capital ratio | 16.0527% | 3,737 |
| Memoranda: | ||
| Average total assets | $60,201,800 | 6,032 |
| Average earning assets | $58,142,400 | 5,929 |
| Average equity | $6,009,000 | 6,156 |
| Average total loans | $50,177,000 | 5,259 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1488% | 362 |
| Cost of funding earning assets | 1.2659% | 1,895 |
| Net interest margin | 4.8830% | 530 |
| Noninterest income to average assets | 3.1086% | 206 |
| Noninterest expense to average assets | 4.8204% | 432 |
| Loan and lease loss provision to assets | 1.0634% | 787 |
| Net operating income to assets | 1.9477% | 384 |
| Return on assets (ROA) | 1.9477% | 421 |
| Pretax return on assets | 1.9477% | 693 |
| Return on Equity (ROE) | 20.6546% | 272 |
| Retained earnings to average equity (ytd only) | 20.6546% | 70 |
| Net charge-offs to loans | 1.1841% | 1,324 |
| Credit loss provision to net charge-offs | 107.8161% | 3,065 |
| Earnings coverage of net charge-offs (x) | 3.0528% | 3,610 |
| Efficiency ratio | 61.5518% | 5,480 |
| Assets per employee ($millions) | 2.9575% | 6,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0123% | 2,302 |
| Loan loss allowance to noncurrent loans | 124.4755% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.3187% | 4,165 |
| Noncurrent loans to loans | 1.6166% | 3,874 |
| Net loans and leases to total assets | 79.9293% | 523 |
| Net loans and leases to deposits | 94.7424% | 776 |
| Net loans and leases to core deposits | 114.5179% | 541 |
| Total domestic deposits to total assets | 84.3649% | 4,073 |
| Equity capital to assets | 9.5136% | 5,062 |
| Core capital (leverage) ratio | 9.8338% | 3,667 |
| Tier 1 risk-based capital ratio | 12.1702% | 5,763 |
| Total risk-based capital ratio | 13.4344% | 5,739 |
| Memoranda: | ||
| Average total assets | $58,803,750 | 6,125 |
| Average earning assets | $56,876,500 | 6,005 |
| Average equity | $5,545,000 | 6,322 |
| Average total loans | $48,981,000 | 5,346 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2791% | 285 |
| Cost of funding earning assets | 1.2879% | 2,017 |
| Net interest margin | 4.9912% | 400 |
| Noninterest income to average assets | 2.8669% | 230 |
| Noninterest expense to average assets | 4.5137% | 586 |
| Loan and lease loss provision to assets | 1.3012% | 569 |
| Net operating income to assets | 1.8760% | 426 |
| Return on assets (ROA) | 1.8760% | 457 |
| Pretax return on assets | 1.8760% | 749 |
| Return on Equity (ROE) | 19.9625% | 312 |
| Retained earnings to average equity (ytd only) | 19.9625% | 91 |
| Net charge-offs to loans | 1.7767% | 797 |
| Credit loss provision to net charge-offs | 87.2340% | 3,545 |
| Earnings coverage of net charge-offs (x) | 2.1300% | 3,779 |
| Efficiency ratio | 58.6887% | 6,074 |
| Assets per employee ($millions) | 2.8903% | 6,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0070% | 2,355 |
| Loan loss allowance to noncurrent loans | 340.2778% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 5,923 |
| Noncurrent loans to loans | 0.5898% | 5,749 |
| Net loans and leases to total assets | 82.7751% | 320 |
| Net loans and leases to deposits | 99.5423% | 517 |
| Net loans and leases to core deposits | 131.2442% | 260 |
| Total domestic deposits to total assets | 83.1557% | 4,696 |
| Equity capital to assets | 10.1201% | 3,991 |
| Core capital (leverage) ratio | 10.0836% | 3,160 |
| Tier 1 risk-based capital ratio | 12.2112% | 5,606 |
| Total risk-based capital ratio | 13.4719% | 5,570 |
| Memoranda: | ||
| Average total assets | $56,716,670 | 6,241 |
| Average earning assets | $54,817,000 | 6,121 |
| Average equity | $5,330,000 | 6,429 |
| Average total loans | $47,616,670 | 5,454 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3058% | 279 |
| Cost of funding earning assets | 1.3171% | 2,086 |
| Net interest margin | 4.9887% | 390 |
| Noninterest income to average assets | 2.4852% | 268 |
| Noninterest expense to average assets | 4.4791% | 602 |
| Loan and lease loss provision to assets | 0.2421% | 3,251 |
| Net operating income to assets | 2.5920% | 160 |
| Return on assets (ROA) | 2.5920% | 168 |
| Pretax return on assets | 2.5920% | 223 |
| Return on Equity (ROE) | 28.7179% | 98 |
| Retained earnings to average equity (ytd only) | 28.7179% | 68 |
| Net charge-offs to loans | -0.0340% | 6,750 |
| Credit loss provision to net charge-offs | -850.0000% | 6,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2463% | 5,801 |
| Assets per employee ($millions) | 4.1034% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2049% | 1,954 |
| Loan loss allowance to noncurrent loans | 1,340.0000% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 6,816 |
| Noncurrent loans to loans | 0.1645% | 6,646 |
| Net loans and leases to total assets | 82.7650% | 291 |
| Net loans and leases to deposits | 99.9622% | 472 |
| Net loans and leases to core deposits | 135.0048% | 229 |
| Total domestic deposits to total assets | 82.7963% | 4,998 |
| Equity capital to assets | 9.8038% | 4,031 |
| Core capital (leverage) ratio | 9.9856% | 3,156 |
| Tier 1 risk-based capital ratio | 11.8257% | 5,837 |
| Total risk-based capital ratio | 13.0898% | 5,832 |
| Memoranda: | ||
| Average total assets | $56,172,000 | 6,305 |
| Average earning assets | $54,363,000 | 6,184 |
| Average equity | $5,070,000 | 6,533 |
| Average total loans | $47,010,500 | 5,518 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2859% | 479 |
| Cost of funding earning assets | 1.6616% | 1,770 |
| Net interest margin | 4.6243% | 954 |
| Noninterest income to average assets | 0.1843% | 6,436 |
| Noninterest expense to average assets | 4.5916% | 595 |
| Loan and lease loss provision to assets | 2.1622% | 582 |
| Net operating income to assets | -2.1014% | 7,083 |
| Return on assets (ROA) | -2.1014% | 7,093 |
| Pretax return on assets | -2.1014% | 7,055 |
| Return on Equity (ROE) | -21.4471% | 7,065 |
| Retained earnings to average equity (ytd only) | -21.4471% | 7,042 |
| Net charge-offs to loans | 1.9046% | 1,080 |
| Credit loss provision to net charge-offs | 134.9827% | 2,887 |
| Earnings coverage of net charge-offs (x) | 0.0380% | 6,080 |
| Efficiency ratio | 98.6926% | 841 |
| Assets per employee ($millions) | 4.2228% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2774% | 1,731 |
| Loan loss allowance to noncurrent loans | 1,202.3256% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 6,842 |
| Noncurrent loans to loans | 0.1894% | 6,691 |
| Net loans and leases to total assets | 80.8223% | 563 |
| Net loans and leases to deposits | 95.7880% | 887 |
| Net loans and leases to core deposits | 115.7674% | 650 |
| Total domestic deposits to total assets | 84.3762% | 4,190 |
| Equity capital to assets | 8.2117% | 6,248 |
| Core capital (leverage) ratio | 7.9741% | 6,238 |
| Tier 1 risk-based capital ratio | 10.3316% | 6,805 |
| Total risk-based capital ratio | 11.5967% | 6,772 |
| Memoranda: | ||
| Average total assets | $54,250,800 | 6,393 |
| Average earning assets | $52,418,600 | 6,272 |
| Average equity | $5,315,400 | 6,560 |
| Average total loans | $45,625,600 | 5,677 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2622% | 544 |
| Cost of funding earning assets | 1.6696% | 2,006 |
| Net interest margin | 4.5927% | 1,061 |
| Noninterest income to average assets | 0.2021% | 6,451 |
| Noninterest expense to average assets | 4.6268% | 520 |
| Loan and lease loss provision to assets | 0.1898% | 5,148 |
| Net operating income to assets | -0.1799% | 6,295 |
| Return on assets (ROA) | -0.1799% | 6,369 |
| Pretax return on assets | -0.1799% | 6,306 |
| Return on Equity (ROE) | -1.7641% | 6,373 |
| Retained earnings to average equity (ytd only) | -1.7641% | 6,154 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7873% | 746 |
| Assets per employee ($millions) | 5.1863% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 3,054 |
| Loan loss allowance to noncurrent loans | 81.6802% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.7318% | 3,847 |
| Noncurrent loans to loans | 2.1199% | 3,551 |
| Net loans and leases to total assets | 80.2801% | 698 |
| Net loans and leases to deposits | 96.2912% | 946 |
| Net loans and leases to core deposits | 115.7300% | 756 |
| Total domestic deposits to total assets | 83.3722% | 4,426 |
| Equity capital to assets | 9.7372% | 4,486 |
| Core capital (leverage) ratio | 9.7168% | 3,599 |
| Tier 1 risk-based capital ratio | 12.3193% | 5,157 |
| Total risk-based capital ratio | 13.5767% | 5,126 |
| Memoranda: | ||
| Average total assets | $54,089,250 | 6,473 |
| Average earning assets | $52,227,000 | 6,360 |
| Average equity | $5,517,250 | 6,587 |
| Average total loans | $45,681,250 | 5,753 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3084% | 504 |
| Cost of funding earning assets | 1.7148% | 2,044 |
| Net interest margin | 4.5936% | 1,016 |
| Noninterest income to average assets | 0.1092% | 7,057 |
| Noninterest expense to average assets | 4.8321% | 428 |
| Loan and lease loss provision to assets | 0.1958% | 4,915 |
| Net operating income to assets | -0.4896% | 6,642 |
| Return on assets (ROA) | -0.4896% | 6,679 |
| Pretax return on assets | -0.4896% | 6,579 |
| Return on Equity (ROE) | -4.7233% | 6,672 |
| Retained earnings to average equity (ytd only) | -4.7233% | 6,520 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4730% | 621 |
| Assets per employee ($millions) | 4.6708% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 3,238 |
| Loan loss allowance to noncurrent loans | 840.8602% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 6,971 |
| Noncurrent loans to loans | 0.1968% | 6,862 |
| Net loans and leases to total assets | 82.9170% | 446 |
| Net loans and leases to deposits | 99.5736% | 762 |
| Net loans and leases to core deposits | 121.9720% | 633 |
| Total domestic deposits to total assets | 83.2721% | 4,456 |
| Equity capital to assets | 9.7770% | 4,306 |
| Core capital (leverage) ratio | 10.3676% | 2,749 |
| Tier 1 risk-based capital ratio | 11.4539% | 5,818 |
| Total risk-based capital ratio | 12.7101% | 5,784 |
| Memoranda: | ||
| Average total assets | $53,102,670 | 6,546 |
| Average earning assets | $51,201,670 | 6,436 |
| Average equity | $5,504,670 | 6,612 |
| Average total loans | $45,373,000 | 5,800 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4118% | 421 |
| Cost of funding earning assets | 1.7516% | 2,121 |
| Net interest margin | 4.6602% | 849 |
| Noninterest income to average assets | 0.1007% | 7,205 |
| Noninterest expense to average assets | 5.0282% | 358 |
| Loan and lease loss provision to assets | 0.4029% | 2,950 |
| Net operating income to assets | -0.8367% | 7,022 |
| Return on assets (ROA) | -0.8367% | 7,054 |
| Pretax return on assets | -0.8367% | 6,970 |
| Return on Equity (ROE) | -7.8303% | 7,047 |
| Retained earnings to average equity (ytd only) | -7.8303% | 6,817 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4435% | 615 |
| Assets per employee ($millions) | 3.9772% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 3,031 |
| Loan loss allowance to noncurrent loans | 806.1856% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 7,003 |
| Noncurrent loans to loans | 0.2120% | 6,914 |
| Net loans and leases to total assets | 86.9698% | 169 |
| Net loans and leases to deposits | 106.1671% | 414 |
| Net loans and leases to core deposits | 150.8218% | 238 |
| Total domestic deposits to total assets | 81.9179% | 5,106 |
| Equity capital to assets | 10.5913% | 3,150 |
| Core capital (leverage) ratio | 10.4544% | 2,665 |
| Tier 1 risk-based capital ratio | 12.0463% | 5,151 |
| Total risk-based capital ratio | 13.3024% | 5,110 |
| Memoranda: | ||
| Average total assets | $51,629,000 | 6,676 |
| Average earning assets | $49,783,500 | 6,558 |
| Average equity | $5,517,000 | 6,665 |
| Average total loans | $44,431,000 | 5,918 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6028% | 3,592 |
| Cost of funding earning assets | 1.6930% | 4,551 |
| Net interest margin | 3.9098% | 3,231 |
| Noninterest income to average assets | 0.1281% | 7,109 |
| Noninterest expense to average assets | 7.0893% | 201 |
| Loan and lease loss provision to assets | 1.8772% | 1,190 |
| Net operating income to assets | -5.1320% | 7,760 |
| Return on assets (ROA) | -5.1320% | 7,753 |
| Pretax return on assets | -5.1320% | 7,722 |
| Return on Equity (ROE) | -25.6271% | 7,304 |
| Retained earnings to average equity (ytd only) | -25.6271% | 7,281 |
| Net charge-offs to loans | 0.1201% | 5,977 |
| Credit loss provision to net charge-offs | 1,953.3333% | 164 |
| Earnings coverage of net charge-offs (x) | -33.8667% | 7,205 |
| Efficiency ratio | 184.8789% | 174 |
| Assets per employee ($millions) | 3.6825% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 2,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 82.2112% | 656 |
| Net loans and leases to deposits | 100.5647% | 855 |
| Net loans and leases to core deposits | 158.1611% | 364 |
| Total domestic deposits to total assets | 81.7496% | 5,053 |
| Equity capital to assets | 10.7807% | 2,888 |
| Core capital (leverage) ratio | 12.9584% | 1,267 |
| Tier 1 risk-based capital ratio | 12.4834% | 4,538 |
| Total risk-based capital ratio | 13.7390% | 4,477 |
| Memoranda: | ||
| Average total assets | $31,216,000 | 7,433 |
| Average earning assets | $29,592,200 | 7,372 |
| Average equity | $6,251,200 | 6,513 |
| Average total loans | $24,984,400 | 6,915 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4586% | 4,642 |
| Cost of funding earning assets | 1.6892% | 4,954 |
| Net interest margin | 3.7694% | 3,778 |
| Noninterest income to average assets | 0.1429% | 7,155 |
| Noninterest expense to average assets | 7.9749% | 160 |
| Loan and lease loss provision to assets | 2.1022% | 841 |
| Net operating income to assets | -6.3932% | 7,946 |
| Return on assets (ROA) | -6.3932% | 7,945 |
| Pretax return on assets | -6.3932% | 7,930 |
| Return on Equity (ROE) | -26.0039% | 7,528 |
| Retained earnings to average equity (ytd only) | -26.0039% | 7,509 |
| Net charge-offs to loans | 0.1956% | 4,841 |
| Credit loss provision to net charge-offs | 1,373.3333% | 285 |
| Earnings coverage of net charge-offs (x) | -28.0328% | 6,946 |
| Efficiency ratio | 216.4820% | 119 |
| Assets per employee ($millions) | 2.9212% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 2,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 81.9118% | 825 |
| Net loans and leases to deposits | 96.9608% | 1,447 |
| Net loans and leases to core deposits | 110.4224% | 3,188 |
| Total domestic deposits to total assets | 84.4793% | 3,486 |
| Equity capital to assets | 15.3548% | 913 |
| Core capital (leverage) ratio | 16.5635% | 606 |
| Tier 1 risk-based capital ratio | 17.9388% | 2,009 |
| Total risk-based capital ratio | 19.1940% | 1,954 |
| Memoranda: | ||
| Average total assets | $26,131,250 | 7,674 |
| Average earning assets | $24,548,000 | 7,628 |
| Average equity | $6,424,500 | 6,513 |
| Average total loans | $20,452,000 | 7,233 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9777% | 6,844 |
| Cost of funding earning assets | 1.5375% | 5,989 |
| Net interest margin | 3.4402% | 5,025 |
| Noninterest income to average assets | 0.1623% | 7,114 |
| Noninterest expense to average assets | 9.0248% | 133 |
| Loan and lease loss provision to assets | 2.6236% | 585 |
| Net operating income to assets | -8.2585% | 8,082 |
| Return on assets (ROA) | -8.2585% | 8,077 |
| Pretax return on assets | -8.2585% | 8,059 |
| Return on Equity (ROE) | -27.6640% | 7,680 |
| Retained earnings to average equity (ytd only) | -27.6640% | 7,652 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 266.2234% | 99 |
| Assets per employee ($millions) | 2.2999% | 7,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8547% | 1,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 82.2971% | 900 |
| Net loans and leases to deposits | 104.0335% | 913 |
| Net loans and leases to core deposits | 122.3936% | 2,169 |
| Total domestic deposits to total assets | 79.1063% | 5,782 |
| Equity capital to assets | 20.5893% | 348 |
| Core capital (leverage) ratio | 27.1752% | 171 |
| Tier 1 risk-based capital ratio | 23.8586% | 1,052 |
| Total risk-based capital ratio | 25.1143% | 1,029 |
| Memoranda: | ||
| Average total assets | $22,183,330 | 7,876 |
| Average earning assets | $20,813,000 | 7,833 |
| Average equity | $6,622,330 | 6,488 |
| Average total loans | $16,715,330 | 7,500 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5104% | 4,855 |
| Cost of funding earning assets | 1.6649% | 5,760 |
| Net interest margin | 3.8456% | 3,268 |
| Noninterest income to average assets | 0.1528% | 7,210 |
| Noninterest expense to average assets | 10.6955% | 101 |
| Loan and lease loss provision to assets | 1.6589% | 749 |
| Net operating income to assets | -8.6219% | 8,156 |
| Return on assets (ROA) | -8.6219% | 8,147 |
| Pretax return on assets | -8.6219% | 8,133 |
| Return on Equity (ROE) | -23.0472% | 7,810 |
| Retained earnings to average equity (ytd only) | -23.0472% | 7,724 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 286.5497% | 96 |
| Assets per employee ($millions) | 1.7045% | 8,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 1,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 70.1957% | 3,626 |
| Net loans and leases to deposits | 109.7390% | 629 |
| Net loans and leases to core deposits | 150.3599% | 695 |
| Total domestic deposits to total assets | 63.9661% | 7,844 |
| Equity capital to assets | 35.5486% | 109 |
| Core capital (leverage) ratio | 36.3949% | 110 |
| Tier 1 risk-based capital ratio | 45.5851% | 244 |
| Total risk-based capital ratio | 46.8367% | 245 |
| Memoranda: | ||
| Average total assets | $18,325,500 | 8,028 |
| Average earning assets | $17,058,500 | 7,991 |
| Average equity | $6,855,500 | 6,458 |
| Average total loans | $12,537,500 | 7,773 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7677% | 7,951 |
| Cost of funding earning assets | 0.6871% | 8,155 |
| Net interest margin | 4.0806% | 2,791 |
| Noninterest income to average assets | 0.2574% | 6,608 |
| Noninterest expense to average assets | 16.6177% | 65 |
| Loan and lease loss provision to assets | 1.2946% | 1,098 |
| Net operating income to assets | -13.9680% | 8,281 |
| Return on assets (ROA) | -13.9680% | 8,281 |
| Pretax return on assets | -13.9680% | 8,275 |
| Return on Equity (ROE) | -23.2731% | 7,834 |
| Retained earnings to average equity (ytd only) | -23.2731% | 7,769 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 421.3052% | 61 |
| Assets per employee ($millions) | 1.4918% | 8,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 2,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.1828% | 5,238 |
| Net loans and leases to deposits | 108.2941% | 951 |
| Net loans and leases to core deposits | 140.2246% | 1,254 |
| Total domestic deposits to total assets | 59.2671% | 7,984 |
| Equity capital to assets | 39.3587% | 106 |
| Core capital (leverage) ratio | 48.2834% | 83 |
| Tier 1 risk-based capital ratio | 53.8932% | 182 |
| Total risk-based capital ratio | 55.1476% | 181 |
| Memoranda: | ||
| Average total assets | $13,208,800 | 8,198 |
| Average earning assets | $11,934,600 | 8,188 |
| Average equity | $7,927,600 | 6,114 |
| Average total loans | $5,436,000 | 8,144 |