Home > Sandhills State Bank > Performance and Condition Ratios
Sandhills State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8597% | 2,363 |
| Cost of funding earning assets | 1.3111% | 2,484 |
| Net interest margin | 3.5487% | 2,071 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.2631% | 2,949 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.1548% | 1,771 |
| Return on assets (ROA) | 1.1571% | 1,737 |
| Pretax return on assets | 1.1919% | 2,163 |
| Return on Equity (ROE) | 13.7400% | 1,546 |
| Retained earnings to average equity (ytd only) | -0.3102% | 4,124 |
| Net charge-offs to loans | -0.0155% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.2807% | 2,696 |
| Assets per employee ($millions) | 8.1512% | 1,359 |
| Cash dividends to net income (ytd only)* | 102.2585% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 3,250 |
| Loan loss allowance to noncurrent loans | 714.7139% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 2,833 |
| Noncurrent loans to loans | 0.1415% | 2,801 |
| Net loans and leases to total assets | 73.2600% | 1,445 |
| Net loans and leases to deposits | 85.4604% | 1,657 |
| Net loans and leases to core deposits | 105.3235% | 1,144 |
| Total domestic deposits to total assets | 85.7300% | 2,097 |
| Equity capital to assets | 8.6068% | 2,971 |
| Core capital (leverage) ratio | 8.8549% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0269% | 2,574 |
| Memoranda: | ||
| Average total assets | $344,401,600 | 2,214 |
| Average earning assets | $318,824,600 | 2,212 |
| Average equity | $29,012,400 | 2,314 |
| Average total loans | $251,388,200 | 1,996 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8029% | 2,255 |
| Cost of funding earning assets | 1.2290% | 2,336 |
| Net interest margin | 3.5739% | 2,067 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.2818% | 2,846 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.1766% | 1,858 |
| Return on assets (ROA) | 1.1755% | 1,847 |
| Pretax return on assets | 1.2144% | 2,262 |
| Return on Equity (ROE) | 14.0300% | 1,646 |
| Retained earnings to average equity (ytd only) | 0.8680% | 3,975 |
| Net charge-offs to loans | -0.0160% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.0114% | 2,612 |
| Assets per employee ($millions) | 7.9003% | 1,394 |
| Cash dividends to net income (ytd only)* | 93.8141% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 3,256 |
| Loan loss allowance to noncurrent loans | 697.8261% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 2,851 |
| Noncurrent loans to loans | 0.1461% | 2,822 |
| Net loans and leases to total assets | 73.3800% | 1,422 |
| Net loans and leases to deposits | 85.0180% | 1,651 |
| Net loans and leases to core deposits | 106.3270% | 998 |
| Total domestic deposits to total assets | 86.3100% | 2,099 |
| Equity capital to assets | 8.2134% | 2,910 |
| Core capital (leverage) ratio | 8.8276% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4505% | 2,467 |
| Memoranda: | ||
| Average total assets | $342,876,750 | 2,227 |
| Average earning assets | $317,853,250 | 2,217 |
| Average equity | $28,723,750 | 2,309 |
| Average total loans | $249,383,750 | 2,003 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 2,328 |
| Cost of funding earning assets | 1.0037% | 2,595 |
| Net interest margin | 3.6387% | 1,948 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.2865% | 2,855 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.2374% | 1,724 |
| Return on assets (ROA) | 1.2357% | 1,726 |
| Pretax return on assets | 1.2764% | 2,145 |
| Return on Equity (ROE) | 14.6600% | 1,537 |
| Retained earnings to average equity (ytd only) | 0.7518% | 3,948 |
| Net charge-offs to loans | -0.0161% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.5435% | 2,769 |
| Assets per employee ($millions) | 7.7223% | 1,458 |
| Cash dividends to net income (ytd only)* | 94.8706% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 3,408 |
| Loan loss allowance to noncurrent loans | 676.9841% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 2,782 |
| Noncurrent loans to loans | 0.1480% | 2,725 |
| Net loans and leases to total assets | 72.7600% | 1,442 |
| Net loans and leases to deposits | 86.0687% | 1,499 |
| Net loans and leases to core deposits | 106.7902% | 955 |
| Total domestic deposits to total assets | 84.5400% | 2,675 |
| Equity capital to assets | 8.3999% | 2,947 |
| Core capital (leverage) ratio | 8.9137% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2655% | 2,545 |
| Memoranda: | ||
| Average total assets | $343,931,333 | 2,225 |
| Average earning assets | $319,622,000 | 2,224 |
| Average equity | $28,997,667 | 2,306 |
| Average total loans | $248,565,333 | 2,005 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 2,254 |
| Cost of funding earning assets | 0.8064% | 2,711 |
| Net interest margin | 3.7224% | 1,846 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.2657% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3596% | 1,514 |
| Return on assets (ROA) | 1.3562% | 1,489 |
| Pretax return on assets | 1.3982% | 1,884 |
| Return on Equity (ROE) | 16.0500% | 1,347 |
| Retained earnings to average equity (ytd only) | -0.4982% | 4,085 |
| Net charge-offs to loans | -0.0163% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.4836% | 3,022 |
| Assets per employee ($millions) | 7.6076% | 1,552 |
| Cash dividends to net income (ytd only)* | 103.1034% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 3,351 |
| Loan loss allowance to noncurrent loans | 1,021.8623% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 3,071 |
| Noncurrent loans to loans | 0.1015% | 3,026 |
| Net loans and leases to total assets | 70.3200% | 1,590 |
| Net loans and leases to deposits | 77.2022% | 2,018 |
| Net loans and leases to core deposits | 95.3251% | 1,319 |
| Total domestic deposits to total assets | 91.0800% | 773 |
| Equity capital to assets | 8.5798% | 2,832 |
| Core capital (leverage) ratio | 8.9273% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6933% | 2,503 |
| Memoranda: | ||
| Average total assets | $342,145,000 | 2,267 |
| Average earning assets | $317,965,000 | 2,266 |
| Average equity | $28,901,500 | 2,338 |
| Average total loans | $245,146,500 | 2,047 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0793% | 1,520 |
| Cost of funding earning assets | 0.3500% | 2,471 |
| Net interest margin | 3.7293% | 1,307 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.3698% | 2,516 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2536% | 1,590 |
| Return on assets (ROA) | 1.2536% | 1,538 |
| Pretax return on assets | 1.2873% | 2,134 |
| Return on Equity (ROE) | 14.3300% | 1,454 |
| Retained earnings to average equity (ytd only) | 4.8511% | 3,114 |
| Net charge-offs to loans | -0.0134% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.2268% | 2,729 |
| Assets per employee ($millions) | 7.5989% | 1,546 |
| Cash dividends to net income (ytd only)* | 66.1406% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 3,270 |
| Loan loss allowance to noncurrent loans | 1,001.1952% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,053 |
| Noncurrent loans to loans | 0.1016% | 3,040 |
| Net loans and leases to total assets | 71.5100% | 1,470 |
| Net loans and leases to deposits | 78.2482% | 1,918 |
| Net loans and leases to core deposits | 85.8111% | 1,766 |
| Total domestic deposits to total assets | 91.3900% | 812 |
| Equity capital to assets | 8.3144% | 2,841 |
| Core capital (leverage) ratio | 8.6057% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5192% | 2,566 |
| Memoranda: | ||
| Average total assets | $343,739,800 | 2,250 |
| Average earning assets | $319,954,800 | 2,237 |
| Average equity | $30,075,800 | 2,334 |
| Average total loans | $246,082,000 | 1,966 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9052% | 1,472 |
| Cost of funding earning assets | 0.3079% | 2,079 |
| Net interest margin | 3.5973% | 1,394 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.3611% | 2,438 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1439% | 1,917 |
| Return on assets (ROA) | 1.1439% | 1,887 |
| Pretax return on assets | 1.1776% | 2,462 |
| Return on Equity (ROE) | 12.9100% | 1,726 |
| Retained earnings to average equity (ytd only) | 3.0745% | 3,759 |
| Net charge-offs to loans | -0.0125% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.9578% | 2,559 |
| Assets per employee ($millions) | 7.3945% | 1,681 |
| Cash dividends to net income (ytd only)* | 76.1937% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 3,430 |
| Loan loss allowance to noncurrent loans | 1,013.7652% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 3,167 |
| Noncurrent loans to loans | 0.0995% | 3,167 |
| Net loans and leases to total assets | 72.2300% | 1,267 |
| Net loans and leases to deposits | 78.4785% | 1,676 |
| Net loans and leases to core deposits | 87.4543% | 1,442 |
| Total domestic deposits to total assets | 92.0400% | 864 |
| Equity capital to assets | 7.7716% | 3,036 |
| Core capital (leverage) ratio | 8.4176% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2609% | 2,725 |
| Memoranda: | ||
| Average total assets | $344,187,250 | 2,262 |
| Average earning assets | $320,863,750 | 2,248 |
| Average equity | $30,487,000 | 2,344 |
| Average total loans | $245,843,250 | 1,965 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 1,451 |
| Cost of funding earning assets | 0.2728% | 1,993 |
| Net interest margin | 3.4636% | 1,412 |
| Noninterest income to average assets | 0.2281% | 3,826 |
| Noninterest expense to average assets | 2.3500% | 2,400 |
| Loan and lease loss provision to assets | 0.0232% | 2,182 |
| Net operating income to assets | 1.0534% | 1,963 |
| Return on assets (ROA) | 1.0534% | 1,930 |
| Pretax return on assets | 1.0882% | 2,448 |
| Return on Equity (ROE) | 11.4330% | 1,853 |
| Retained earnings to average equity (ytd only) | 3.8948% | 3,121 |
| Net charge-offs to loans | -0.0147% | 3,753 |
| Credit loss provision to net charge-offs | -222.2222% | 3,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4849% | 2,582 |
| Assets per employee ($millions) | 7.4459% | 1,648 |
| Cash dividends to net income (ytd only)* | 65.9341% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 3,678 |
| Loan loss allowance to noncurrent loans | 1,004.8583% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 3,267 |
| Noncurrent loans to loans | 0.0977% | 3,273 |
| Net loans and leases to total assets | 71.5385% | 1,159 |
| Net loans and leases to deposits | 81.1352% | 1,306 |
| Net loans and leases to core deposits | 87.9250% | 1,227 |
| Total domestic deposits to total assets | 88.1720% | 2,506 |
| Equity capital to assets | 8.3653% | 2,858 |
| Core capital (leverage) ratio | 8.3494% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0205% | 2,814 |
| Memoranda: | ||
| Average total assets | $345,533,333 | 2,260 |
| Average earning assets | $322,553,667 | 2,264 |
| Average equity | $31,837,667 | 2,317 |
| Average total loans | $245,060,667 | 1,966 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6325% | 1,419 |
| Cost of funding earning assets | 0.2670% | 1,955 |
| Net interest margin | 3.3655% | 1,386 |
| Noninterest income to average assets | 0.2575% | 3,594 |
| Noninterest expense to average assets | 2.3849% | 2,217 |
| Loan and lease loss provision to assets | 0.0350% | 1,737 |
| Net operating income to assets | 0.9379% | 2,118 |
| Return on assets (ROA) | 0.9379% | 2,109 |
| Pretax return on assets | 0.9798% | 2,502 |
| Return on Equity (ROE) | 9.7225% | 2,077 |
| Retained earnings to average equity (ytd only) | 2.4759% | 3,414 |
| Net charge-offs to loans | -0.0116% | 3,644 |
| Credit loss provision to net charge-offs | -428.5714% | 3,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6833% | 2,544 |
| Assets per employee ($millions) | 7.1485% | 1,890 |
| Cash dividends to net income (ytd only)* | 74.5342% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 3,675 |
| Loan loss allowance to noncurrent loans | 928.3019% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 3,299 |
| Noncurrent loans to loans | 0.1089% | 3,291 |
| Net loans and leases to total assets | 70.1934% | 1,003 |
| Net loans and leases to deposits | 77.3202% | 1,341 |
| Net loans and leases to core deposits | 85.7702% | 1,144 |
| Total domestic deposits to total assets | 90.7828% | 1,142 |
| Equity capital to assets | 9.0488% | 2,671 |
| Core capital (leverage) ratio | 8.1328% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2542% | 2,835 |
| Memoranda: | ||
| Average total assets | $343,321,500 | 2,285 |
| Average earning assets | $320,547,000 | 2,281 |
| Average equity | $33,119,000 | 2,325 |
| Average total loans | $241,173,000 | 1,985 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5439% | 563 |
| Cost of funding earning assets | 0.3306% | 2,114 |
| Net interest margin | 4.2133% | 474 |
| Noninterest income to average assets | 0.1565% | 4,365 |
| Noninterest expense to average assets | 2.5331% | 2,079 |
| Loan and lease loss provision to assets | 0.0362% | 2,323 |
| Net operating income to assets | 1.4405% | 1,160 |
| Return on assets (ROA) | 1.6035% | 832 |
| Pretax return on assets | 1.6457% | 1,291 |
| Return on Equity (ROE) | 14.9943% | 949 |
| Retained earnings to average equity (ytd only) | 6.3125% | 2,223 |
| Net charge-offs to loans | 0.0906% | 914 |
| Credit loss provision to net charge-offs | 56.0748% | 2,092 |
| Earnings coverage of net charge-offs (x) | 23.4533% | 1,775 |
| Efficiency ratio | 60.4457% | 3,089 |
| Assets per employee ($millions) | 6.8703% | 2,019 |
| Cash dividends to net income (ytd only)* | 57.9007% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 3,685 |
| Loan loss allowance to noncurrent loans | 660.2180% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 3,183 |
| Noncurrent loans to loans | 0.1535% | 3,169 |
| Net loans and leases to total assets | 68.8790% | 1,164 |
| Net loans and leases to deposits | 76.7987% | 1,510 |
| Net loans and leases to core deposits | 83.7883% | 1,345 |
| Total domestic deposits to total assets | 89.6878% | 1,120 |
| Equity capital to assets | 10.2438% | 2,426 |
| Core capital (leverage) ratio | 8.2578% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4400% | 2,791 |
| Memoranda: | ||
| Average total assets | $331,528,400 | 2,288 |
| Average earning assets | $306,127,600 | 2,299 |
| Average equity | $35,453,400 | 2,269 |
| Average total loans | $236,253,800 | 2,012 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 394 |
| Cost of funding earning assets | 0.3487% | 2,128 |
| Net interest margin | 4.4777% | 326 |
| Noninterest income to average assets | 0.1510% | 4,438 |
| Noninterest expense to average assets | 2.4419% | 2,299 |
| Loan and lease loss provision to assets | 0.0365% | 2,260 |
| Net operating income to assets | 1.7614% | 729 |
| Return on assets (ROA) | 1.9829% | 505 |
| Pretax return on assets | 2.0255% | 762 |
| Return on Equity (ROE) | 18.3406% | 590 |
| Retained earnings to average equity (ytd only) | 8.8775% | 1,742 |
| Net charge-offs to loans | 0.0543% | 1,111 |
| Credit loss provision to net charge-offs | 93.7500% | 1,639 |
| Earnings coverage of net charge-offs (x) | 47.1250% | 1,272 |
| Efficiency ratio | 55.0327% | 3,654 |
| Assets per employee ($millions) | 6.5154% | 2,230 |
| Cash dividends to net income (ytd only)* | 51.5964% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,502 |
| Loan loss allowance to noncurrent loans | 253.9939% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 2,254 |
| Noncurrent loans to loans | 0.4276% | 2,277 |
| Net loans and leases to total assets | 70.2337% | 1,062 |
| Net loans and leases to deposits | 78.9898% | 1,387 |
| Net loans and leases to core deposits | 86.5756% | 1,251 |
| Total domestic deposits to total assets | 88.9149% | 1,333 |
| Equity capital to assets | 10.9598% | 2,052 |
| Core capital (leverage) ratio | 8.6243% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6692% | 2,812 |
| Memoranda: | ||
| Average total assets | $328,532,000 | 2,326 |
| Average earning assets | $302,799,750 | 2,343 |
| Average equity | $35,519,500 | 2,295 |
| Average total loans | $235,559,250 | 2,057 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3042% | 219 |
| Cost of funding earning assets | 0.3702% | 2,137 |
| Net interest margin | 4.9340% | 180 |
| Noninterest income to average assets | 0.1566% | 4,410 |
| Noninterest expense to average assets | 2.3767% | 2,539 |
| Loan and lease loss provision to assets | 0.0364% | 2,262 |
| Net operating income to assets | 2.2638% | 300 |
| Return on assets (ROA) | 2.5916% | 209 |
| Pretax return on assets | 2.6335% | 290 |
| Return on Equity (ROE) | 24.0792% | 228 |
| Retained earnings to average equity (ytd only) | 18.0834% | 222 |
| Net charge-offs to loans | 0.0869% | 810 |
| Credit loss provision to net charge-offs | 58.2524% | 1,566 |
| Earnings coverage of net charge-offs (x) | 37.3495% | 1,197 |
| Efficiency ratio | 48.5828% | 4,349 |
| Assets per employee ($millions) | 6.5167% | 2,159 |
| Cash dividends to net income (ytd only)* | 24.9004% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 3,777 |
| Loan loss allowance to noncurrent loans | 244.3238% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 2,388 |
| Noncurrent loans to loans | 0.4144% | 2,437 |
| Net loans and leases to total assets | 72.8093% | 872 |
| Net loans and leases to deposits | 81.8625% | 1,241 |
| Net loans and leases to core deposits | 91.7795% | 1,020 |
| Total domestic deposits to total assets | 88.9410% | 1,308 |
| Equity capital to assets | 10.9504% | 2,018 |
| Core capital (leverage) ratio | 8.8010% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5027% | 2,547 |
| Memoranda: | ||
| Average total assets | $329,452,333 | 2,312 |
| Average earning assets | $304,175,667 | 2,327 |
| Average equity | $35,458,000 | 2,292 |
| Average total loans | $236,974,667 | 2,054 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0289% | 104 |
| Cost of funding earning assets | 0.4031% | 2,070 |
| Net interest margin | 5.6259% | 88 |
| Noninterest income to average assets | 0.1476% | 4,464 |
| Noninterest expense to average assets | 2.3829% | 2,548 |
| Loan and lease loss provision to assets | 0.0366% | 2,286 |
| Net operating income to assets | 2.8689% | 171 |
| Return on assets (ROA) | 3.5341% | 114 |
| Pretax return on assets | 3.5744% | 137 |
| Return on Equity (ROE) | 33.1295% | 100 |
| Retained earnings to average equity (ytd only) | 27.3450% | 102 |
| Net charge-offs to loans | 0.1887% | 427 |
| Credit loss provision to net charge-offs | 27.2727% | 1,393 |
| Earnings coverage of net charge-offs (x) | 21.9091% | 1,217 |
| Efficiency ratio | 43.1256% | 4,624 |
| Assets per employee ($millions) | 7.0959% | 1,729 |
| Cash dividends to net income (ytd only)* | 17.4603% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 3,722 |
| Loan loss allowance to noncurrent loans | 223.6697% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 2,506 |
| Noncurrent loans to loans | 0.4607% | 2,471 |
| Net loans and leases to total assets | 70.2102% | 1,258 |
| Net loans and leases to deposits | 78.5909% | 1,658 |
| Net loans and leases to core deposits | 86.7942% | 1,469 |
| Total domestic deposits to total assets | 89.3364% | 1,154 |
| Equity capital to assets | 10.5683% | 2,196 |
| Core capital (leverage) ratio | 8.6044% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2918% | 2,565 |
| Memoranda: | ||
| Average total assets | $328,002,000 | 2,301 |
| Average earning assets | $301,678,000 | 2,316 |
| Average equity | $34,990,000 | 2,304 |
| Average total loans | $233,232,500 | 2,076 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 809 |
| Cost of funding earning assets | 0.7521% | 1,436 |
| Net interest margin | 3.9965% | 979 |
| Noninterest income to average assets | 0.1624% | 4,482 |
| Noninterest expense to average assets | 2.7971% | 1,947 |
| Loan and lease loss provision to assets | 0.2457% | 1,576 |
| Net operating income to assets | 0.7379% | 3,305 |
| Return on assets (ROA) | 0.8198% | 3,140 |
| Pretax return on assets | 0.8585% | 3,485 |
| Return on Equity (ROE) | 7.2941% | 3,079 |
| Retained earnings to average equity (ytd only) | -0.5027% | 4,590 |
| Net charge-offs to loans | -0.0164% | 4,378 |
| Credit loss provision to net charge-offs | -2,002.6316% | 4,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8785% | 1,830 |
| Assets per employee ($millions) | 5.8636% | 2,479 |
| Cash dividends to net income (ytd only)* | 106.8925% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 3,485 |
| Loan loss allowance to noncurrent loans | 225.8296% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 2,605 |
| Noncurrent loans to loans | 0.4851% | 2,514 |
| Net loans and leases to total assets | 70.4977% | 1,491 |
| Net loans and leases to deposits | 79.1225% | 1,966 |
| Net loans and leases to core deposits | 87.9757% | 1,698 |
| Total domestic deposits to total assets | 89.0994% | 943 |
| Equity capital to assets | 10.7703% | 2,458 |
| Core capital (leverage) ratio | 7.6884% | 4,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2011% | 2,868 |
| Memoranda: | ||
| Average total assets | $309,711,800 | 2,243 |
| Average earning assets | $283,074,600 | 2,269 |
| Average equity | $34,808,800 | 2,240 |
| Average total loans | $231,082,000 | 2,029 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9872% | 619 |
| Cost of funding earning assets | 0.8019% | 1,488 |
| Net interest margin | 4.1854% | 755 |
| Noninterest income to average assets | 0.1531% | 4,528 |
| Noninterest expense to average assets | 2.6082% | 2,512 |
| Loan and lease loss provision to assets | 0.2156% | 1,870 |
| Net operating income to assets | 1.1167% | 1,928 |
| Return on assets (ROA) | 1.2332% | 1,663 |
| Pretax return on assets | 1.2749% | 2,140 |
| Return on Equity (ROE) | 10.8532% | 1,728 |
| Retained earnings to average equity (ytd only) | 2.9746% | 3,528 |
| Net charge-offs to loans | -0.0213% | 4,439 |
| Credit loss provision to net charge-offs | -1,340.5405% | 3,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1901% | 2,884 |
| Assets per employee ($millions) | 6.0409% | 2,231 |
| Cash dividends to net income (ytd only)* | 72.5926% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 3,938 |
| Loan loss allowance to noncurrent loans | 172.8319% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 2,349 |
| Noncurrent loans to loans | 0.5431% | 2,441 |
| Net loans and leases to total assets | 74.2339% | 1,347 |
| Net loans and leases to deposits | 88.2218% | 1,457 |
| Net loans and leases to core deposits | 102.0375% | 1,026 |
| Total domestic deposits to total assets | 84.1446% | 2,771 |
| Equity capital to assets | 11.1700% | 2,264 |
| Core capital (leverage) ratio | 8.3527% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5865% | 2,766 |
| Memoranda: | ||
| Average total assets | $306,515,500 | 2,240 |
| Average earning assets | $280,175,750 | 2,273 |
| Average equity | $34,827,500 | 2,232 |
| Average total loans | $231,384,750 | 2,028 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2581% | 512 |
| Cost of funding earning assets | 0.8565% | 1,569 |
| Net interest margin | 4.4016% | 614 |
| Noninterest income to average assets | 0.1503% | 4,551 |
| Noninterest expense to average assets | 2.5864% | 2,710 |
| Loan and lease loss provision to assets | 0.2093% | 1,968 |
| Net operating income to assets | 1.3425% | 1,242 |
| Return on assets (ROA) | 1.4916% | 1,016 |
| Pretax return on assets | 1.5313% | 1,382 |
| Return on Equity (ROE) | 13.0491% | 1,087 |
| Retained earnings to average equity (ytd only) | 4.0561% | 2,872 |
| Net charge-offs to loans | -0.0280% | 4,515 |
| Credit loss provision to net charge-offs | -987.5000% | 3,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6889% | 3,454 |
| Assets per employee ($millions) | 6.3321% | 1,926 |
| Cash dividends to net income (ytd only)* | 68.9165% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8324% | 4,248 |
| Loan loss allowance to noncurrent loans | 121.0896% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 2,039 |
| Noncurrent loans to loans | 0.6874% | 2,153 |
| Net loans and leases to total assets | 77.7801% | 876 |
| Net loans and leases to deposits | 94.4936% | 912 |
| Net loans and leases to core deposits | 108.2311% | 806 |
| Total domestic deposits to total assets | 82.3126% | 3,283 |
| Equity capital to assets | 11.2784% | 2,134 |
| Core capital (leverage) ratio | 8.5293% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2304% | 2,906 |
| Memoranda: | ||
| Average total assets | $301,964,333 | 2,241 |
| Average earning assets | $275,991,667 | 2,275 |
| Average equity | $34,515,667 | 2,234 |
| Average total loans | $228,537,667 | 2,021 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9818% | 1,007 |
| Cost of funding earning assets | 0.9835% | 1,494 |
| Net interest margin | 3.9982% | 1,399 |
| Noninterest income to average assets | 0.1602% | 4,573 |
| Noninterest expense to average assets | 2.6527% | 2,828 |
| Loan and lease loss provision to assets | 0.2240% | 1,383 |
| Net operating income to assets | 0.8797% | 2,585 |
| Return on assets (ROA) | 0.8797% | 2,688 |
| Pretax return on assets | 0.9204% | 3,080 |
| Return on Equity (ROE) | 7.6416% | 2,658 |
| Retained earnings to average equity (ytd only) | -2.1109% | 4,267 |
| Net charge-offs to loans | -0.0146% | 4,209 |
| Credit loss provision to net charge-offs | -2,062.5000% | 3,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2864% | 2,773 |
| Assets per employee ($millions) | 5.9458% | 1,726 |
| Cash dividends to net income (ytd only)* | 127.6235% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 4,226 |
| Loan loss allowance to noncurrent loans | 158.3264% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 2,603 |
| Noncurrent loans to loans | 0.5485% | 2,624 |
| Net loans and leases to total assets | 74.1340% | 1,581 |
| Net loans and leases to deposits | 87.9776% | 1,753 |
| Net loans and leases to core deposits | 98.4974% | 1,586 |
| Total domestic deposits to total assets | 84.2646% | 2,689 |
| Equity capital to assets | 11.5407% | 2,402 |
| Core capital (leverage) ratio | 8.6678% | 4,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8797% | 3,134 |
| Memoranda: | ||
| Average total assets | $294,644,500 | 2,240 |
| Average earning assets | $268,018,000 | 2,273 |
| Average equity | $33,919,500 | 2,248 |
| Average total loans | $218,645,500 | 2,056 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1869% | 1,024 |
| Cost of funding earning assets | 1.0538% | 1,498 |
| Net interest margin | 4.1331% | 1,467 |
| Noninterest income to average assets | 0.1773% | 4,605 |
| Noninterest expense to average assets | 2.8187% | 2,545 |
| Loan and lease loss provision to assets | 0.1264% | 1,684 |
| Net operating income to assets | 0.9723% | 2,942 |
| Return on assets (ROA) | 1.0138% | 2,889 |
| Pretax return on assets | 1.0545% | 3,316 |
| Return on Equity (ROE) | 8.9389% | 2,783 |
| Retained earnings to average equity (ytd only) | 1.9197% | 4,037 |
| Net charge-offs to loans | -0.0126% | 4,531 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8116% | 2,343 |
| Assets per employee ($millions) | 5.9589% | 1,657 |
| Cash dividends to net income (ytd only)* | 78.5244% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,354 |
| Loan loss allowance to noncurrent loans | 184.0471% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 2,929 |
| Noncurrent loans to loans | 0.4257% | 2,922 |
| Net loans and leases to total assets | 73.0655% | 1,913 |
| Net loans and leases to deposits | 85.8818% | 2,106 |
| Net loans and leases to core deposits | 95.8831% | 1,912 |
| Total domestic deposits to total assets | 85.0768% | 2,461 |
| Equity capital to assets | 11.4840% | 2,541 |
| Core capital (leverage) ratio | 8.5681% | 4,805 |
| Tier 1 risk-based capital ratio | 11.0704% | 4,832 |
| Total risk-based capital ratio | 11.8304% | 4,919 |
| Memoranda: | ||
| Average total assets | $284,776,200 | 2,252 |
| Average earning assets | $260,387,000 | 2,275 |
| Average equity | $32,297,000 | 2,287 |
| Average total loans | $214,505,000 | 2,061 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 999 |
| Cost of funding earning assets | 1.0325% | 1,618 |
| Net interest margin | 4.1878% | 1,400 |
| Noninterest income to average assets | 0.1710% | 4,692 |
| Noninterest expense to average assets | 2.8377% | 2,447 |
| Loan and lease loss provision to assets | 0.1279% | 1,518 |
| Net operating income to assets | 1.0047% | 2,965 |
| Return on assets (ROA) | 1.0364% | 2,917 |
| Pretax return on assets | 1.0729% | 3,367 |
| Return on Equity (ROE) | 9.1688% | 2,816 |
| Retained earnings to average equity (ytd only) | 2.1036% | 4,235 |
| Net charge-offs to loans | -0.0125% | 4,450 |
| Credit loss provision to net charge-offs | -1,350.0000% | 4,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4758% | 2,346 |
| Assets per employee ($millions) | 5.7902% | 1,775 |
| Cash dividends to net income (ytd only)* | 77.0566% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7437% | 4,563 |
| Loan loss allowance to noncurrent loans | 178.8313% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 3,053 |
| Noncurrent loans to loans | 0.4159% | 3,053 |
| Net loans and leases to total assets | 73.3086% | 1,945 |
| Net loans and leases to deposits | 87.0454% | 2,056 |
| Net loans and leases to core deposits | 97.4758% | 1,857 |
| Total domestic deposits to total assets | 84.2188% | 2,745 |
| Equity capital to assets | 11.6088% | 2,592 |
| Core capital (leverage) ratio | 8.7264% | 4,813 |
| Tier 1 risk-based capital ratio | 11.1149% | 4,854 |
| Total risk-based capital ratio | 11.8386% | 4,975 |
| Memoranda: | ||
| Average total assets | $281,484,000 | 2,285 |
| Average earning assets | $257,755,500 | 2,301 |
| Average equity | $31,817,250 | 2,321 |
| Average total loans | $213,277,750 | 2,086 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2038% | 976 |
| Cost of funding earning assets | 1.0075% | 1,660 |
| Net interest margin | 4.1963% | 1,372 |
| Noninterest income to average assets | 0.1596% | 4,786 |
| Noninterest expense to average assets | 2.8511% | 2,412 |
| Loan and lease loss provision to assets | 0.1300% | 1,438 |
| Net operating income to assets | 0.9925% | 2,951 |
| Return on assets (ROA) | 0.9925% | 3,016 |
| Pretax return on assets | 1.0293% | 3,453 |
| Return on Equity (ROE) | 8.8657% | 2,913 |
| Retained earnings to average equity (ytd only) | 1.7357% | 4,194 |
| Net charge-offs to loans | -0.0113% | 4,363 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7860% | 2,404 |
| Assets per employee ($millions) | 5.2979% | 2,157 |
| Cash dividends to net income (ytd only)* | 80.4221% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6879% | 4,736 |
| Loan loss allowance to noncurrent loans | 94.4823% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6521% | 2,086 |
| Noncurrent loans to loans | 0.7281% | 2,170 |
| Net loans and leases to total assets | 75.5077% | 1,626 |
| Net loans and leases to deposits | 89.7938% | 1,760 |
| Net loans and leases to core deposits | 99.1505% | 1,796 |
| Total domestic deposits to total assets | 84.0902% | 2,817 |
| Equity capital to assets | 11.5805% | 2,543 |
| Core capital (leverage) ratio | 8.6051% | 4,906 |
| Tier 1 risk-based capital ratio | 10.9524% | 4,934 |
| Total risk-based capital ratio | 11.6308% | 5,065 |
| Memoranda: | ||
| Average total assets | $276,878,330 | 2,314 |
| Average earning assets | $254,084,000 | 2,331 |
| Average equity | $30,996,000 | 2,356 |
| Average total loans | $211,669,330 | 2,103 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1418% | 1,021 |
| Cost of funding earning assets | 0.9645% | 1,724 |
| Net interest margin | 4.1773% | 1,354 |
| Noninterest income to average assets | 0.1528% | 4,827 |
| Noninterest expense to average assets | 2.8351% | 2,461 |
| Loan and lease loss provision to assets | 0.1335% | 1,302 |
| Net operating income to assets | 0.9895% | 2,885 |
| Return on assets (ROA) | 0.9895% | 2,922 |
| Pretax return on assets | 1.0266% | 3,359 |
| Return on Equity (ROE) | 9.0068% | 2,811 |
| Retained earnings to average equity (ytd only) | 1.8635% | 4,104 |
| Net charge-offs to loans | -0.0097% | 4,215 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8823% | 2,519 |
| Assets per employee ($millions) | 5.4100% | 2,063 |
| Cash dividends to net income (ytd only)* | 79.3103% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6684% | 4,833 |
| Loan loss allowance to noncurrent loans | 221.5839% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 3,349 |
| Noncurrent loans to loans | 0.3016% | 3,481 |
| Net loans and leases to total assets | 71.2752% | 2,289 |
| Net loans and leases to deposits | 84.2457% | 2,360 |
| Net loans and leases to core deposits | 91.7484% | 2,321 |
| Total domestic deposits to total assets | 84.6040% | 2,816 |
| Equity capital to assets | 11.1655% | 2,692 |
| Core capital (leverage) ratio | 8.9816% | 4,664 |
| Tier 1 risk-based capital ratio | 11.1876% | 4,892 |
| Total risk-based capital ratio | 11.8436% | 5,049 |
| Memoranda: | ||
| Average total assets | $269,624,500 | 2,374 |
| Average earning assets | $248,008,000 | 2,397 |
| Average equity | $29,622,000 | 2,425 |
| Average total loans | $206,732,500 | 2,162 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1422% | 780 |
| Cost of funding earning assets | 0.8507% | 1,300 |
| Net interest margin | 4.2915% | 1,179 |
| Noninterest income to average assets | 0.1470% | 4,977 |
| Noninterest expense to average assets | 2.6187% | 3,274 |
| Loan and lease loss provision to assets | 0.2016% | 937 |
| Net operating income to assets | 1.2623% | 1,939 |
| Return on assets (ROA) | 1.2623% | 1,932 |
| Pretax return on assets | 1.3022% | 2,488 |
| Return on Equity (ROE) | 11.7827% | 1,787 |
| Retained earnings to average equity (ytd only) | 5.0189% | 2,757 |
| Net charge-offs to loans | 0.4701% | 389 |
| Credit loss provision to net charge-offs | 52.2307% | 3,164 |
| Earnings coverage of net charge-offs (x) | 3.8955% | 3,369 |
| Efficiency ratio | 62.2376% | 3,480 |
| Assets per employee ($millions) | 5.6209% | 1,844 |
| Cash dividends to net income (ytd only)* | 57.4043% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6661% | 4,872 |
| Loan loss allowance to noncurrent loans | 178.5523% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 2,851 |
| Noncurrent loans to loans | 0.3731% | 3,201 |
| Net loans and leases to total assets | 82.1794% | 625 |
| Net loans and leases to deposits | 101.1241% | 661 |
| Net loans and leases to core deposits | 111.9133% | 886 |
| Total domestic deposits to total assets | 81.2659% | 3,830 |
| Equity capital to assets | 10.7659% | 2,915 |
| Core capital (leverage) ratio | 9.4189% | 4,216 |
| Tier 1 risk-based capital ratio | 11.1584% | 4,886 |
| Total risk-based capital ratio | 11.8331% | 5,045 |
| Memoranda: | ||
| Average total assets | $238,056,000 | 2,557 |
| Average earning assets | $220,528,400 | 2,559 |
| Average equity | $25,503,600 | 2,607 |
| Average total loans | $195,509,600 | 2,207 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1354% | 709 |
| Cost of funding earning assets | 0.8138% | 1,270 |
| Net interest margin | 4.3216% | 1,070 |
| Noninterest income to average assets | 0.1462% | 5,044 |
| Noninterest expense to average assets | 2.5666% | 3,395 |
| Loan and lease loss provision to assets | 0.2356% | 682 |
| Net operating income to assets | 1.3162% | 1,796 |
| Return on assets (ROA) | 1.3162% | 1,798 |
| Pretax return on assets | 1.3567% | 2,399 |
| Return on Equity (ROE) | 12.3009% | 1,679 |
| Retained earnings to average equity (ytd only) | 6.2582% | 2,515 |
| Net charge-offs to loans | 0.2119% | 804 |
| Credit loss provision to net charge-offs | 135.5987% | 1,839 |
| Earnings coverage of net charge-offs (x) | 9.1651% | 2,664 |
| Efficiency ratio | 60.4434% | 3,749 |
| Assets per employee ($millions) | 5.7335% | 1,705 |
| Cash dividends to net income (ytd only)* | 49.1244% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 4,026 |
| Loan loss allowance to noncurrent loans | 167.2000% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 2,380 |
| Noncurrent loans to loans | 0.5722% | 2,660 |
| Net loans and leases to total assets | 82.8344% | 583 |
| Net loans and leases to deposits | 99.3753% | 838 |
| Net loans and leases to core deposits | 112.7652% | 878 |
| Total domestic deposits to total assets | 83.3551% | 3,181 |
| Equity capital to assets | 10.9510% | 2,706 |
| Core capital (leverage) ratio | 9.3083% | 4,391 |
| Tier 1 risk-based capital ratio | 11.4347% | 4,833 |
| Total risk-based capital ratio | 12.4164% | 4,862 |
| Memoranda: | ||
| Average total assets | $237,145,500 | 2,575 |
| Average earning assets | $220,190,500 | 2,574 |
| Average equity | $25,374,250 | 2,627 |
| Average total loans | $194,397,500 | 2,221 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8680% | 1,089 |
| Cost of funding earning assets | 0.7288% | 1,475 |
| Net interest margin | 4.1392% | 1,447 |
| Noninterest income to average assets | 0.1522% | 5,062 |
| Noninterest expense to average assets | 2.5345% | 3,538 |
| Loan and lease loss provision to assets | 0.1783% | 1,015 |
| Net operating income to assets | 1.2437% | 2,007 |
| Return on assets (ROA) | 1.2437% | 2,006 |
| Pretax return on assets | 1.2841% | 2,578 |
| Return on Equity (ROE) | 11.7142% | 1,838 |
| Retained earnings to average equity (ytd only) | 7.1600% | 1,995 |
| Net charge-offs to loans | 0.0010% | 3,181 |
| Credit loss provision to net charge-offs | 21,200.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,739.0000% | 40 |
| Efficiency ratio | 62.0871% | 3,612 |
| Assets per employee ($millions) | 5.7540% | 1,678 |
| Cash dividends to net income (ytd only)* | 38.8776% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 3,950 |
| Loan loss allowance to noncurrent loans | 114.8320% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 1,794 |
| Noncurrent loans to loans | 0.8550% | 2,013 |
| Net loans and leases to total assets | 82.7171% | 624 |
| Net loans and leases to deposits | 101.9461% | 665 |
| Net loans and leases to core deposits | 121.1141% | 539 |
| Total domestic deposits to total assets | 81.1381% | 3,957 |
| Equity capital to assets | 10.5633% | 3,058 |
| Core capital (leverage) ratio | 9.3600% | 4,290 |
| Tier 1 risk-based capital ratio | 11.0417% | 5,031 |
| Total risk-based capital ratio | 12.0553% | 5,045 |
| Memoranda: | ||
| Average total assets | $237,835,670 | 2,580 |
| Average earning assets | $220,912,670 | 2,581 |
| Average equity | $25,251,330 | 2,649 |
| Average total loans | $193,662,000 | 2,235 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6440% | 1,452 |
| Cost of funding earning assets | 0.6877% | 1,511 |
| Net interest margin | 3.9563% | 1,856 |
| Noninterest income to average assets | 0.1475% | 5,127 |
| Noninterest expense to average assets | 2.4585% | 3,785 |
| Loan and lease loss provision to assets | 0.1068% | 1,749 |
| Net operating income to assets | 1.2089% | 1,966 |
| Return on assets (ROA) | 1.2089% | 1,975 |
| Pretax return on assets | 1.2496% | 2,555 |
| Return on Equity (ROE) | 11.3567% | 1,830 |
| Retained earnings to average equity (ytd only) | 11.3567% | 814 |
| Net charge-offs to loans | 0.0084% | 2,431 |
| Credit loss provision to net charge-offs | 1,575.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 200.0000% | 337 |
| Efficiency ratio | 63.0222% | 3,633 |
| Assets per employee ($millions) | 5.6455% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 3,994 |
| Loan loss allowance to noncurrent loans | 82.0628% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.0874% | 1,431 |
| Noncurrent loans to loans | 1.2127% | 1,497 |
| Net loans and leases to total assets | 78.6518% | 1,138 |
| Net loans and leases to deposits | 91.4118% | 1,514 |
| Net loans and leases to core deposits | 111.0736% | 943 |
| Total domestic deposits to total assets | 86.0412% | 2,527 |
| Equity capital to assets | 10.9618% | 2,624 |
| Core capital (leverage) ratio | 9.2434% | 4,387 |
| Tier 1 risk-based capital ratio | 11.8731% | 4,627 |
| Total risk-based capital ratio | 12.8899% | 4,669 |
| Memoranda: | ||
| Average total assets | $235,920,000 | 2,618 |
| Average earning assets | $218,691,500 | 2,623 |
| Average equity | $25,113,000 | 2,681 |
| Average total loans | $189,552,000 | 2,280 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7697% | 1,034 |
| Cost of funding earning assets | 0.6449% | 1,327 |
| Net interest margin | 4.1248% | 1,364 |
| Noninterest income to average assets | 0.1248% | 5,321 |
| Noninterest expense to average assets | 2.5982% | 3,451 |
| Loan and lease loss provision to assets | 0.0429% | 3,389 |
| Net operating income to assets | 1.2725% | 1,298 |
| Return on assets (ROA) | 1.2738% | 1,314 |
| Pretax return on assets | 1.3132% | 2,298 |
| Return on Equity (ROE) | 11.1960% | 1,405 |
| Retained earnings to average equity (ytd only) | -5.9617% | 5,465 |
| Net charge-offs to loans | 0.0104% | 3,724 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 461 |
| Efficiency ratio | 64.2082% | 3,575 |
| Assets per employee ($millions) | 5.5901% | 1,854 |
| Cash dividends to net income (ytd only)* | 153.2481% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 4,443 |
| Loan loss allowance to noncurrent loans | 947.0588% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 3,998 |
| Noncurrent loans to loans | 0.0958% | 4,563 |
| Net loans and leases to total assets | 80.4791% | 896 |
| Net loans and leases to deposits | 92.7209% | 1,419 |
| Net loans and leases to core deposits | 113.7948% | 808 |
| Total domestic deposits to total assets | 86.7972% | 2,090 |
| Equity capital to assets | 10.3393% | 3,338 |
| Core capital (leverage) ratio | 8.9248% | 4,735 |
| Tier 1 risk-based capital ratio | 10.9179% | 5,191 |
| Total risk-based capital ratio | 11.8491% | 5,235 |
| Memoranda: | ||
| Average total assets | $233,241,800 | 2,617 |
| Average earning assets | $216,470,800 | 2,613 |
| Average equity | $26,536,200 | 2,573 |
| Average total loans | $191,987,400 | 2,228 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7588% | 1,006 |
| Cost of funding earning assets | 0.6417% | 1,294 |
| Net interest margin | 4.1171% | 1,344 |
| Noninterest income to average assets | 0.1336% | 5,338 |
| Noninterest expense to average assets | 2.6141% | 3,368 |
| Loan and lease loss provision to assets | 0.0576% | 2,932 |
| Net operating income to assets | 1.2518% | 1,506 |
| Return on assets (ROA) | 1.2535% | 1,523 |
| Pretax return on assets | 1.2926% | 2,526 |
| Return on Equity (ROE) | 10.7625% | 1,793 |
| Retained earnings to average equity (ytd only) | 5.7572% | 2,398 |
| Net charge-offs to loans | 0.0112% | 3,330 |
| Credit loss provision to net charge-offs | 625.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 146.3319% | 551 |
| Efficiency ratio | 64.3989% | 3,466 |
| Assets per employee ($millions) | 5.4631% | 1,962 |
| Cash dividends to net income (ytd only)* | 46.5074% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 4,514 |
| Loan loss allowance to noncurrent loans | 227.8562% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 3,579 |
| Noncurrent loans to loans | 0.4000% | 3,516 |
| Net loans and leases to total assets | 82.1428% | 662 |
| Net loans and leases to deposits | 99.1736% | 805 |
| Net loans and leases to core deposits | 120.9245% | 556 |
| Total domestic deposits to total assets | 82.8273% | 3,514 |
| Equity capital to assets | 11.8367% | 2,086 |
| Core capital (leverage) ratio | 10.1779% | 3,346 |
| Tier 1 risk-based capital ratio | 12.3848% | 4,389 |
| Total risk-based capital ratio | 13.3209% | 4,455 |
| Memoranda: | ||
| Average total assets | $231,459,000 | 2,650 |
| Average earning assets | $215,258,500 | 2,639 |
| Average equity | $26,957,000 | 2,567 |
| Average total loans | $191,179,000 | 2,242 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 1,111 |
| Cost of funding earning assets | 0.6245% | 1,311 |
| Net interest margin | 4.0488% | 1,466 |
| Noninterest income to average assets | 0.1485% | 5,321 |
| Noninterest expense to average assets | 2.6486% | 3,270 |
| Loan and lease loss provision to assets | 0.0868% | 2,249 |
| Net operating income to assets | 1.1429% | 1,812 |
| Return on assets (ROA) | 1.1454% | 1,852 |
| Pretax return on assets | 1.1819% | 2,843 |
| Return on Equity (ROE) | 9.8898% | 2,086 |
| Retained earnings to average equity (ytd only) | 3.6890% | 3,502 |
| Net charge-offs to loans | 0.0189% | 2,867 |
| Credit loss provision to net charge-offs | 555.5556% | 602 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 759 |
| Efficiency ratio | 64.3523% | 3,619 |
| Assets per employee ($millions) | 5.5909% | 1,792 |
| Cash dividends to net income (ytd only)* | 62.6990% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 4,605 |
| Loan loss allowance to noncurrent loans | 231.7647% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 3,693 |
| Noncurrent loans to loans | 0.3921% | 3,616 |
| Net loans and leases to total assets | 82.3404% | 622 |
| Net loans and leases to deposits | 101.8334% | 618 |
| Net loans and leases to core deposits | 123.0782% | 463 |
| Total domestic deposits to total assets | 80.8580% | 4,217 |
| Equity capital to assets | 11.5600% | 2,264 |
| Core capital (leverage) ratio | 10.1099% | 3,390 |
| Tier 1 risk-based capital ratio | 11.7398% | 4,813 |
| Total risk-based capital ratio | 12.6533% | 4,913 |
| Memoranda: | ||
| Average total assets | $230,307,670 | 2,679 |
| Average earning assets | $214,234,330 | 2,664 |
| Average equity | $26,674,000 | 2,583 |
| Average total loans | $189,992,330 | 2,258 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6396% | 1,049 |
| Cost of funding earning assets | 0.6172% | 1,256 |
| Net interest margin | 4.0224% | 1,410 |
| Noninterest income to average assets | 0.1561% | 5,338 |
| Noninterest expense to average assets | 2.7134% | 3,093 |
| Loan and lease loss provision to assets | 0.1754% | 1,005 |
| Net operating income to assets | 0.9682% | 2,443 |
| Return on assets (ROA) | 0.9682% | 2,493 |
| Pretax return on assets | 1.0050% | 3,350 |
| Return on Equity (ROE) | 8.3515% | 2,748 |
| Retained earnings to average equity (ytd only) | -1.3768% | 5,111 |
| Net charge-offs to loans | 0.0384% | 2,037 |
| Credit loss provision to net charge-offs | 555.5556% | 537 |
| Earnings coverage of net charge-offs (x) | 37.3889% | 1,077 |
| Efficiency ratio | 67.6577% | 3,257 |
| Assets per employee ($millions) | 5.2661% | 2,119 |
| Cash dividends to net income (ytd only)* | 116.4855% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 4,603 |
| Loan loss allowance to noncurrent loans | 3,110.5263% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 5,060 |
| Noncurrent loans to loans | 0.0302% | 5,089 |
| Net loans and leases to total assets | 82.5027% | 512 |
| Net loans and leases to deposits | 97.5398% | 809 |
| Net loans and leases to core deposits | 117.4023% | 541 |
| Total domestic deposits to total assets | 84.5836% | 3,270 |
| Equity capital to assets | 11.6816% | 2,052 |
| Core capital (leverage) ratio | 9.9071% | 3,616 |
| Tier 1 risk-based capital ratio | 11.8164% | 4,839 |
| Total risk-based capital ratio | 12.7611% | 4,925 |
| Memoranda: | ||
| Average total assets | $228,052,000 | 2,721 |
| Average earning assets | $211,914,500 | 2,710 |
| Average equity | $26,438,500 | 2,607 |
| Average total loans | $187,426,500 | 2,296 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9076% | 730 |
| Cost of funding earning assets | 0.7231% | 730 |
| Net interest margin | 4.1846% | 1,154 |
| Noninterest income to average assets | 0.1344% | 5,515 |
| Noninterest expense to average assets | 2.8826% | 2,733 |
| Loan and lease loss provision to assets | 0.2254% | 967 |
| Net operating income to assets | 0.8955% | 2,850 |
| Return on assets (ROA) | 0.9592% | 2,647 |
| Pretax return on assets | 0.9965% | 3,489 |
| Return on Equity (ROE) | 9.4533% | 2,206 |
| Retained earnings to average equity (ytd only) | 7.0805% | 1,200 |
| Net charge-offs to loans | 0.0114% | 3,892 |
| Credit loss provision to net charge-offs | 2,417.6471% | 173 |
| Earnings coverage of net charge-offs (x) | 123.9412% | 496 |
| Efficiency ratio | 69.7678% | 2,943 |
| Assets per employee ($millions) | 5.4682% | 1,887 |
| Cash dividends to net income (ytd only)* | 25.1001% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 4,757 |
| Loan loss allowance to noncurrent loans | 701.6598% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 4,900 |
| Noncurrent loans to loans | 0.1294% | 4,719 |
| Net loans and leases to total assets | 80.3651% | 837 |
| Net loans and leases to deposits | 94.7514% | 1,117 |
| Net loans and leases to core deposits | 113.6642% | 715 |
| Total domestic deposits to total assets | 84.8169% | 3,123 |
| Equity capital to assets | 11.5060% | 2,168 |
| Core capital (leverage) ratio | 9.6665% | 3,893 |
| Tier 1 risk-based capital ratio | 11.9700% | 4,750 |
| Total risk-based capital ratio | 12.8736% | 4,879 |
| Memoranda: | ||
| Average total assets | $182,337,600 | 3,143 |
| Average earning assets | $170,101,800 | 3,111 |
| Average equity | $18,501,400 | 3,338 |
| Average total loans | $149,763,800 | 2,647 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 1,567 |
| Cost of funding earning assets | 0.6959% | 830 |
| Net interest margin | 3.7963% | 2,347 |
| Noninterest income to average assets | 0.1063% | 5,687 |
| Noninterest expense to average assets | 2.6102% | 3,623 |
| Loan and lease loss provision to assets | 0.2229% | 922 |
| Net operating income to assets | 0.7981% | 3,371 |
| Return on assets (ROA) | 0.8899% | 3,093 |
| Pretax return on assets | 0.9212% | 3,906 |
| Return on Equity (ROE) | 9.1843% | 2,408 |
| Retained earnings to average equity (ytd only) | 6.1740% | 2,075 |
| Net charge-offs to loans | 0.0332% | 2,975 |
| Credit loss provision to net charge-offs | 814.2857% | 496 |
| Earnings coverage of net charge-offs (x) | 38.3392% | 1,275 |
| Efficiency ratio | 70.4060% | 2,834 |
| Assets per employee ($millions) | 5.7440% | 1,624 |
| Cash dividends to net income (ytd only)* | 32.7766% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 4,190 |
| Loan loss allowance to noncurrent loans | 3,773.1707% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 5,395 |
| Noncurrent loans to loans | 0.0275% | 5,271 |
| Net loans and leases to total assets | 82.7827% | 533 |
| Net loans and leases to deposits | 99.0179% | 773 |
| Net loans and leases to core deposits | 125.8147% | 374 |
| Total domestic deposits to total assets | 83.6037% | 3,356 |
| Equity capital to assets | 9.5622% | 4,599 |
| Core capital (leverage) ratio | 8.8204% | 5,034 |
| Tier 1 risk-based capital ratio | 10.3371% | 5,686 |
| Total risk-based capital ratio | 11.3686% | 5,699 |
| Memoranda: | ||
| Average total assets | $170,506,250 | 3,292 |
| Average earning assets | $159,589,500 | 3,258 |
| Average equity | $16,520,500 | 3,654 |
| Average total loans | $140,639,750 | 2,774 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 1,820 |
| Cost of funding earning assets | 0.6901% | 845 |
| Net interest margin | 3.7136% | 2,644 |
| Noninterest income to average assets | 0.1036% | 5,764 |
| Noninterest expense to average assets | 2.6288% | 3,620 |
| Loan and lease loss provision to assets | 0.2822% | 652 |
| Net operating income to assets | 0.6615% | 3,991 |
| Return on assets (ROA) | 0.8001% | 3,450 |
| Pretax return on assets | 0.8274% | 4,200 |
| Return on Equity (ROE) | 8.2193% | 2,875 |
| Retained earnings to average equity (ytd only) | 4.4644% | 3,073 |
| Net charge-offs to loans | 0.0595% | 2,340 |
| Credit loss provision to net charge-offs | 578.0488% | 587 |
| Earnings coverage of net charge-offs (x) | 19.8049% | 1,754 |
| Efficiency ratio | 72.1854% | 2,620 |
| Assets per employee ($millions) | 5.6975% | 1,625 |
| Cash dividends to net income (ytd only)* | 45.6845% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 4,521 |
| Loan loss allowance to noncurrent loans | 3,393.1818% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 5,430 |
| Noncurrent loans to loans | 0.0295% | 5,348 |
| Net loans and leases to total assets | 83.6646% | 448 |
| Net loans and leases to deposits | 103.2728% | 493 |
| Net loans and leases to core deposits | 131.1724% | 291 |
| Total domestic deposits to total assets | 81.0132% | 4,273 |
| Equity capital to assets | 9.4325% | 4,837 |
| Core capital (leverage) ratio | 8.9582% | 4,876 |
| Tier 1 risk-based capital ratio | 9.6190% | 5,930 |
| Total risk-based capital ratio | 10.5704% | 5,962 |
| Memoranda: | ||
| Average total assets | $167,986,670 | 3,344 |
| Average earning assets | $157,958,670 | 3,299 |
| Average equity | $16,351,670 | 3,687 |
| Average total loans | $137,868,330 | 2,823 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3389% | 2,000 |
| Cost of funding earning assets | 0.7244% | 715 |
| Net interest margin | 3.6144% | 3,028 |
| Noninterest income to average assets | 0.0978% | 5,828 |
| Noninterest expense to average assets | 2.6028% | 3,742 |
| Loan and lease loss provision to assets | 0.2200% | 873 |
| Net operating income to assets | 0.6536% | 3,960 |
| Return on assets (ROA) | 0.9238% | 2,738 |
| Pretax return on assets | 0.9556% | 3,643 |
| Return on Equity (ROE) | 9.3348% | 2,270 |
| Retained earnings to average equity (ytd only) | 4.2229% | 3,365 |
| Net charge-offs to loans | 0.0605% | 1,898 |
| Credit loss provision to net charge-offs | 450.0000% | 654 |
| Earnings coverage of net charge-offs (x) | 18.3500% | 1,546 |
| Efficiency ratio | 73.3939% | 2,578 |
| Assets per employee ($millions) | 5.4255% | 1,901 |
| Cash dividends to net income (ytd only)* | 54.7619% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 4,615 |
| Loan loss allowance to noncurrent loans | 1,952.8571% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 5,391 |
| Noncurrent loans to loans | 0.0512% | 5,284 |
| Net loans and leases to total assets | 83.2231% | 436 |
| Net loans and leases to deposits | 99.3575% | 665 |
| Net loans and leases to core deposits | 123.2647% | 382 |
| Total domestic deposits to total assets | 83.7613% | 3,616 |
| Equity capital to assets | 10.0507% | 4,013 |
| Core capital (leverage) ratio | 9.1458% | 4,667 |
| Tier 1 risk-based capital ratio | 10.3271% | 5,815 |
| Total risk-based capital ratio | 11.2750% | 5,855 |
| Memoranda: | ||
| Average total assets | $163,668,500 | 3,406 |
| Average earning assets | $154,049,000 | 3,366 |
| Average equity | $16,197,500 | 3,702 |
| Average total loans | $132,170,500 | 2,903 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 2,401 |
| Cost of funding earning assets | 0.8367% | 410 |
| Net interest margin | 3.4082% | 3,876 |
| Noninterest income to average assets | 0.0957% | 5,888 |
| Noninterest expense to average assets | 2.5840% | 3,976 |
| Loan and lease loss provision to assets | 0.1641% | 1,404 |
| Net operating income to assets | 0.5764% | 4,395 |
| Return on assets (ROA) | 0.5857% | 4,445 |
| Pretax return on assets | 0.5428% | 5,010 |
| Return on Equity (ROE) | 5.9874% | 4,037 |
| Retained earnings to average equity (ytd only) | 2.8157% | 4,068 |
| Net charge-offs to loans | 0.1111% | 2,265 |
| Credit loss provision to net charge-offs | 191.3043% | 1,445 |
| Earnings coverage of net charge-offs (x) | 8.1304% | 2,994 |
| Efficiency ratio | 77.6620% | 2,020 |
| Assets per employee ($millions) | 5.4857% | 1,823 |
| Cash dividends to net income (ytd only)* | 52.9724% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 4,500 |
| Loan loss allowance to noncurrent loans | 2,702.0833% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 5,575 |
| Noncurrent loans to loans | 0.0376% | 5,371 |
| Net loans and leases to total assets | 76.6953% | 1,301 |
| Net loans and leases to deposits | 91.3234% | 1,471 |
| Net loans and leases to core deposits | 113.8041% | 690 |
| Total domestic deposits to total assets | 83.9821% | 3,485 |
| Equity capital to assets | 9.7441% | 4,244 |
| Core capital (leverage) ratio | 8.8737% | 5,032 |
| Tier 1 risk-based capital ratio | 10.8167% | 5,619 |
| Total risk-based capital ratio | 11.7692% | 5,684 |
| Memoranda: | ||
| Average total assets | $160,838,200 | 3,418 |
| Average earning assets | $150,343,800 | 3,399 |
| Average equity | $15,733,000 | 3,724 |
| Average total loans | $124,166,600 | 2,984 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 2,485 |
| Cost of funding earning assets | 0.8444% | 387 |
| Net interest margin | 3.3848% | 4,018 |
| Noninterest income to average assets | 0.1042% | 5,948 |
| Noninterest expense to average assets | 2.5565% | 4,027 |
| Loan and lease loss provision to assets | 0.2201% | 860 |
| Net operating income to assets | 0.4699% | 4,898 |
| Return on assets (ROA) | 0.4819% | 4,950 |
| Pretax return on assets | 0.5020% | 5,211 |
| Return on Equity (ROE) | 4.9220% | 4,658 |
| Retained earnings to average equity (ytd only) | 1.4221% | 5,149 |
| Net charge-offs to loans | 0.1492% | 1,645 |
| Credit loss provision to net charge-offs | 191.3043% | 1,385 |
| Earnings coverage of net charge-offs (x) | 6.1665% | 3,090 |
| Efficiency ratio | 77.1764% | 2,063 |
| Assets per employee ($millions) | 5.5413% | 1,749 |
| Cash dividends to net income (ytd only)* | 71.1075% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 4,486 |
| Loan loss allowance to noncurrent loans | 2,236.2069% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 5,648 |
| Noncurrent loans to loans | 0.0468% | 5,432 |
| Net loans and leases to total assets | 73.7220% | 1,785 |
| Net loans and leases to deposits | 87.4705% | 1,975 |
| Net loans and leases to core deposits | 107.9838% | 980 |
| Total domestic deposits to total assets | 84.2822% | 3,310 |
| Equity capital to assets | 9.5496% | 4,692 |
| Core capital (leverage) ratio | 9.0390% | 4,951 |
| Tier 1 risk-based capital ratio | 10.7692% | 5,768 |
| Total risk-based capital ratio | 11.7360% | 5,823 |
| Memoranda: | ||
| Average total assets | $159,904,750 | 3,460 |
| Average earning assets | $149,367,750 | 3,440 |
| Average equity | $15,657,250 | 3,769 |
| Average total loans | $123,329,250 | 3,021 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2121% | 2,505 |
| Cost of funding earning assets | 0.8365% | 414 |
| Net interest margin | 3.3756% | 3,983 |
| Noninterest income to average assets | 0.1027% | 6,020 |
| Noninterest expense to average assets | 2.5540% | 4,058 |
| Loan and lease loss provision to assets | 0.3346% | 409 |
| Net operating income to assets | 0.3544% | 5,278 |
| Return on assets (ROA) | 0.3726% | 5,343 |
| Pretax return on assets | 0.3891% | 5,487 |
| Return on Equity (ROE) | 3.7729% | 5,108 |
| Retained earnings to average equity (ytd only) | -0.3722% | 5,580 |
| Net charge-offs to loans | 0.2241% | 1,145 |
| Credit loss provision to net charge-offs | 191.3043% | 1,280 |
| Earnings coverage of net charge-offs (x) | 4.0290% | 3,099 |
| Efficiency ratio | 77.2851% | 2,163 |
| Assets per employee ($millions) | 5.1099% | 2,135 |
| Cash dividends to net income (ytd only)* | 109.8639% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 4,804 |
| Loan loss allowance to noncurrent loans | 1,879.7101% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 5,688 |
| Noncurrent loans to loans | 0.0539% | 5,522 |
| Net loans and leases to total assets | 79.9888% | 805 |
| Net loans and leases to deposits | 97.3441% | 852 |
| Net loans and leases to core deposits | 115.4758% | 610 |
| Total domestic deposits to total assets | 82.1711% | 4,243 |
| Equity capital to assets | 9.8102% | 4,263 |
| Core capital (leverage) ratio | 8.9667% | 5,016 |
| Tier 1 risk-based capital ratio | 10.3181% | 5,985 |
| Total risk-based capital ratio | 11.2576% | 6,041 |
| Memoranda: | ||
| Average total assets | $157,793,670 | 3,523 |
| Average earning assets | $147,527,330 | 3,495 |
| Average equity | $15,584,670 | 3,799 |
| Average total loans | $123,155,330 | 3,033 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0465% | 3,065 |
| Cost of funding earning assets | 0.8261% | 437 |
| Net interest margin | 3.2203% | 4,531 |
| Noninterest income to average assets | 0.0914% | 6,120 |
| Noninterest expense to average assets | 2.5424% | 4,129 |
| Loan and lease loss provision to assets | 0.2311% | 750 |
| Net operating income to assets | 0.3099% | 5,377 |
| Return on assets (ROA) | 0.3099% | 5,479 |
| Pretax return on assets | 0.3276% | 5,580 |
| Return on Equity (ROE) | 3.1268% | 5,322 |
| Retained earnings to average equity (ytd only) | -2.8961% | 5,784 |
| Net charge-offs to loans | 0.0364% | 2,482 |
| Credit loss provision to net charge-offs | 827.2727% | 380 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,428 |
| Efficiency ratio | 80.8354% | 1,780 |
| Assets per employee ($millions) | 5.2890% | 2,008 |
| Cash dividends to net income (ytd only)* | 192.6230% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 5,022 |
| Loan loss allowance to noncurrent loans | 648.1865% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 5,471 |
| Noncurrent loans to loans | 0.1543% | 5,224 |
| Net loans and leases to total assets | 78.0217% | 925 |
| Net loans and leases to deposits | 96.5091% | 799 |
| Net loans and leases to core deposits | 112.6882% | 620 |
| Total domestic deposits to total assets | 80.8439% | 4,853 |
| Equity capital to assets | 9.8254% | 4,359 |
| Core capital (leverage) ratio | 9.1438% | 4,797 |
| Tier 1 risk-based capital ratio | 10.4673% | 6,023 |
| Total risk-based capital ratio | 11.3924% | 6,075 |
| Memoranda: | ||
| Average total assets | $157,487,500 | 3,548 |
| Average earning assets | $147,189,500 | 3,515 |
| Average equity | $15,607,000 | 3,816 |
| Average total loans | $120,731,000 | 3,087 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 2,279 |
| Cost of funding earning assets | 0.9240% | 336 |
| Net interest margin | 3.4585% | 3,947 |
| Noninterest income to average assets | 0.1224% | 6,078 |
| Noninterest expense to average assets | 2.7033% | 3,853 |
| Loan and lease loss provision to assets | 0.0918% | 2,628 |
| Net operating income to assets | 0.5124% | 4,764 |
| Return on assets (ROA) | 0.5445% | 4,706 |
| Pretax return on assets | 0.5659% | 5,052 |
| Return on Equity (ROE) | 5.2010% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.1812% | 3,226 |
| Net charge-offs to loans | 0.0171% | 4,520 |
| Credit loss provision to net charge-offs | 678.9474% | 390 |
| Earnings coverage of net charge-offs (x) | 46.1579% | 985 |
| Efficiency ratio | 80.0428% | 1,923 |
| Assets per employee ($millions) | 5.7891% | 1,531 |
| Cash dividends to net income (ytd only)* | 19.6078% | 3,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 5,009 |
| Loan loss allowance to noncurrent loans | 1,747.7612% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 5,866 |
| Noncurrent loans to loans | 0.0576% | 5,653 |
| Net loans and leases to total assets | 73.7296% | 1,632 |
| Net loans and leases to deposits | 88.3501% | 1,697 |
| Net loans and leases to core deposits | 102.3636% | 1,224 |
| Total domestic deposits to total assets | 83.4516% | 3,929 |
| Equity capital to assets | 9.9958% | 4,118 |
| Core capital (leverage) ratio | 9.3370% | 4,480 |
| Tier 1 risk-based capital ratio | 11.0536% | 5,886 |
| Total risk-based capital ratio | 11.9656% | 5,957 |
| Memoranda: | ||
| Average total assets | $140,494,800 | 3,793 |
| Average earning assets | $130,201,200 | 3,768 |
| Average equity | $14,708,800 | 3,895 |
| Average total loans | $111,255,000 | 3,193 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4407% | 2,082 |
| Cost of funding earning assets | 0.9341% | 336 |
| Net interest margin | 3.5066% | 3,802 |
| Noninterest income to average assets | 0.1172% | 6,178 |
| Noninterest expense to average assets | 2.7332% | 3,699 |
| Loan and lease loss provision to assets | 0.0947% | 2,472 |
| Net operating income to assets | 0.5195% | 4,807 |
| Return on assets (ROA) | 0.5195% | 4,865 |
| Pretax return on assets | 0.5410% | 5,205 |
| Return on Equity (ROE) | 4.8986% | 4,768 |
| Retained earnings to average equity (ytd only) | 3.9778% | 3,819 |
| Net charge-offs to loans | -0.0133% | 5,500 |
| Credit loss provision to net charge-offs | -881.8182% | 5,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9130% | 1,933 |
| Assets per employee ($millions) | 5.4550% | 1,764 |
| Cash dividends to net income (ytd only)* | 18.7969% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 5,063 |
| Loan loss allowance to noncurrent loans | 1,180.8081% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 5,878 |
| Noncurrent loans to loans | 0.0875% | 5,683 |
| Net loans and leases to total assets | 78.9937% | 835 |
| Net loans and leases to deposits | 98.4248% | 706 |
| Net loans and leases to core deposits | 111.2009% | 700 |
| Total domestic deposits to total assets | 80.2579% | 5,030 |
| Equity capital to assets | 10.9251% | 3,033 |
| Core capital (leverage) ratio | 10.0182% | 3,654 |
| Tier 1 risk-based capital ratio | 11.4629% | 5,804 |
| Total risk-based capital ratio | 12.4204% | 5,876 |
| Memoranda: | ||
| Average total assets | $136,542,250 | 3,890 |
| Average earning assets | $126,613,750 | 3,866 |
| Average equity | $14,480,000 | 3,959 |
| Average total loans | $109,965,250 | 3,236 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 2,306 |
| Cost of funding earning assets | 0.9399% | 333 |
| Net interest margin | 3.4283% | 4,065 |
| Noninterest income to average assets | 0.1217% | 6,191 |
| Noninterest expense to average assets | 2.7467% | 3,711 |
| Loan and lease loss provision to assets | 0.1232% | 2,002 |
| Net operating income to assets | 0.4096% | 5,178 |
| Return on assets (ROA) | 0.4096% | 5,261 |
| Pretax return on assets | 0.4288% | 5,484 |
| Return on Equity (ROE) | 3.9034% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.1962% | 4,167 |
| Net charge-offs to loans | -0.0129% | 5,396 |
| Credit loss provision to net charge-offs | -1,185.7143% | 5,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0063% | 1,745 |
| Assets per employee ($millions) | 5.3708% | 1,810 |
| Cash dividends to net income (ytd only)* | 18.1159% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 5,357 |
| Loan loss allowance to noncurrent loans | 1,717.9104% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 6,051 |
| Noncurrent loans to loans | 0.0581% | 5,864 |
| Net loans and leases to total assets | 81.6966% | 495 |
| Net loans and leases to deposits | 107.6784% | 258 |
| Net loans and leases to core deposits | 122.3491% | 332 |
| Total domestic deposits to total assets | 75.8710% | 5,923 |
| Equity capital to assets | 10.9624% | 2,915 |
| Core capital (leverage) ratio | 10.2131% | 3,318 |
| Tier 1 risk-based capital ratio | 11.1955% | 5,961 |
| Total risk-based capital ratio | 12.1309% | 6,042 |
| Memoranda: | ||
| Average total assets | $134,780,000 | 3,946 |
| Average earning assets | $124,902,670 | 3,913 |
| Average equity | $14,141,670 | 4,026 |
| Average total loans | $108,885,330 | 3,272 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 2,604 |
| Cost of funding earning assets | 0.9663% | 312 |
| Net interest margin | 3.3097% | 4,492 |
| Noninterest income to average assets | 0.1179% | 6,258 |
| Noninterest expense to average assets | 2.7654% | 3,696 |
| Loan and lease loss provision to assets | 0.0484% | 3,127 |
| Net operating income to assets | 0.3325% | 5,384 |
| Return on assets (ROA) | 0.3325% | 5,435 |
| Pretax return on assets | 0.3476% | 5,601 |
| Return on Equity (ROE) | 3.2452% | 5,365 |
| Retained earnings to average equity (ytd only) | 3.2452% | 4,172 |
| Net charge-offs to loans | 0.0076% | 3,492 |
| Credit loss provision to net charge-offs | 800.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 620 |
| Efficiency ratio | 86.1377% | 1,435 |
| Assets per employee ($millions) | 5.3221% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 5,505 |
| Loan loss allowance to noncurrent loans | 490.8676% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 5,741 |
| Noncurrent loans to loans | 0.2047% | 5,483 |
| Net loans and leases to total assets | 79.6036% | 596 |
| Net loans and leases to deposits | 97.0985% | 591 |
| Net loans and leases to core deposits | 110.3293% | 578 |
| Total domestic deposits to total assets | 81.9824% | 4,949 |
| Equity capital to assets | 10.2711% | 3,514 |
| Core capital (leverage) ratio | 9.2090% | 4,707 |
| Tier 1 risk-based capital ratio | 10.5250% | 6,325 |
| Total risk-based capital ratio | 11.4564% | 6,389 |
| Memoranda: | ||
| Average total assets | $132,349,500 | 4,022 |
| Average earning assets | $121,703,000 | 4,007 |
| Average equity | $13,558,500 | 4,140 |
| Average total loans | $105,711,500 | 3,351 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2753% | 3,051 |
| Cost of funding earning assets | 0.9641% | 541 |
| Net interest margin | 3.3113% | 4,621 |
| Noninterest income to average assets | 0.1281% | 6,291 |
| Noninterest expense to average assets | 2.5036% | 4,753 |
| Loan and lease loss provision to assets | 0.1694% | 2,161 |
| Net operating income to assets | 0.5227% | 4,631 |
| Return on assets (ROA) | 0.5220% | 4,764 |
| Pretax return on assets | 0.5414% | 5,068 |
| Return on Equity (ROE) | 4.9684% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.9684% | 2,615 |
| Net charge-offs to loans | -0.0031% | 5,884 |
| Credit loss provision to net charge-offs | -6,966.6667% | 6,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4558% | 2,710 |
| Assets per employee ($millions) | 5.4853% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 5,481 |
| Loan loss allowance to noncurrent loans | 5,584.2105% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 6,373 |
| Noncurrent loans to loans | 0.0182% | 6,212 |
| Net loans and leases to total assets | 78.5227% | 765 |
| Net loans and leases to deposits | 95.8239% | 746 |
| Net loans and leases to core deposits | 109.6006% | 622 |
| Total domestic deposits to total assets | 81.9448% | 4,895 |
| Equity capital to assets | 10.2176% | 3,489 |
| Core capital (leverage) ratio | 9.2368% | 4,663 |
| Tier 1 risk-based capital ratio | 10.5390% | 6,353 |
| Total risk-based capital ratio | 11.4758% | 6,408 |
| Memoranda: | ||
| Average total assets | $123,380,000 | 4,204 |
| Average earning assets | $115,031,600 | 4,160 |
| Average equity | $12,961,800 | 4,275 |
| Average total loans | $96,152,400 | 3,550 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 3,284 |
| Cost of funding earning assets | 0.9469% | 656 |
| Net interest margin | 3.2802% | 4,716 |
| Noninterest income to average assets | 0.1176% | 6,424 |
| Noninterest expense to average assets | 2.4575% | 4,853 |
| Loan and lease loss provision to assets | 0.2297% | 1,577 |
| Net operating income to assets | 0.4813% | 4,882 |
| Return on assets (ROA) | 0.4803% | 5,043 |
| Pretax return on assets | 0.4979% | 5,362 |
| Return on Equity (ROE) | 4.5379% | 4,964 |
| Retained earnings to average equity (ytd only) | 4.5379% | 3,444 |
| Net charge-offs to loans | -0.0128% | 5,940 |
| Credit loss provision to net charge-offs | -2,322.2222% | 6,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6813% | 2,776 |
| Assets per employee ($millions) | 5.4765% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 5,651 |
| Loan loss allowance to noncurrent loans | 2,602.4390% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 6,385 |
| Noncurrent loans to loans | 0.0390% | 6,224 |
| Net loans and leases to total assets | 79.1610% | 632 |
| Net loans and leases to deposits | 96.4586% | 659 |
| Net loans and leases to core deposits | 110.0178% | 577 |
| Total domestic deposits to total assets | 82.0673% | 4,905 |
| Equity capital to assets | 10.0787% | 3,795 |
| Core capital (leverage) ratio | 9.2228% | 4,802 |
| Tier 1 risk-based capital ratio | 10.2761% | 6,517 |
| Total risk-based capital ratio | 11.2130% | 6,569 |
| Memoranda: | ||
| Average total assets | $121,313,500 | 4,293 |
| Average earning assets | $113,486,250 | 4,236 |
| Average equity | $12,839,500 | 4,339 |
| Average total loans | $94,082,250 | 3,621 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1035% | 3,724 |
| Cost of funding earning assets | 0.9299% | 773 |
| Net interest margin | 3.1736% | 5,035 |
| Noninterest income to average assets | 0.1119% | 6,486 |
| Noninterest expense to average assets | 2.3639% | 5,164 |
| Loan and lease loss provision to assets | 0.2289% | 1,636 |
| Net operating income to assets | 0.4849% | 4,865 |
| Return on assets (ROA) | 0.4833% | 5,043 |
| Pretax return on assets | 0.5036% | 5,363 |
| Return on Equity (ROE) | 4.4869% | 5,006 |
| Retained earnings to average equity (ytd only) | 4.4869% | 3,408 |
| Net charge-offs to loans | -0.0177% | 5,935 |
| Credit loss provision to net charge-offs | -1,687.5000% | 6,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7674% | 2,981 |
| Assets per employee ($millions) | 5.5881% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 5,849 |
| Loan loss allowance to noncurrent loans | 2,066.6667% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 6,391 |
| Noncurrent loans to loans | 0.0481% | 6,243 |
| Net loans and leases to total assets | 80.3291% | 507 |
| Net loans and leases to deposits | 103.3716% | 287 |
| Net loans and leases to core deposits | 109.8902% | 565 |
| Total domestic deposits to total assets | 77.7091% | 6,024 |
| Equity capital to assets | 10.6395% | 3,132 |
| Core capital (leverage) ratio | 9.8543% | 3,712 |
| Tier 1 risk-based capital ratio | 10.7298% | 6,435 |
| Total risk-based capital ratio | 11.6524% | 6,505 |
| Memoranda: | ||
| Average total assets | $117,939,330 | 4,392 |
| Average earning assets | $110,979,000 | 4,314 |
| Average equity | $12,703,670 | 4,395 |
| Average total loans | $90,405,330 | 3,715 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9811% | 4,194 |
| Cost of funding earning assets | 0.9538% | 771 |
| Net interest margin | 3.0272% | 5,494 |
| Noninterest income to average assets | 0.1040% | 6,558 |
| Noninterest expense to average assets | 2.3770% | 5,185 |
| Loan and lease loss provision to assets | 0.2980% | 1,171 |
| Net operating income to assets | 0.2703% | 5,663 |
| Return on assets (ROA) | 0.2703% | 5,783 |
| Pretax return on assets | 0.2772% | 5,904 |
| Return on Equity (ROE) | 2.4929% | 5,779 |
| Retained earnings to average equity (ytd only) | 2.4929% | 4,778 |
| Net charge-offs to loans | 0.0047% | 4,074 |
| Credit loss provision to net charge-offs | 8,600.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 244 |
| Efficiency ratio | 78.8732% | 2,482 |
| Assets per employee ($millions) | 5.7339% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 5,670 |
| Loan loss allowance to noncurrent loans | 2,524.3243% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 6,513 |
| Noncurrent loans to loans | 0.0430% | 6,353 |
| Net loans and leases to total assets | 74.2488% | 1,042 |
| Net loans and leases to deposits | 89.7900% | 990 |
| Net loans and leases to core deposits | 93.3834% | 1,387 |
| Total domestic deposits to total assets | 82.6915% | 4,957 |
| Equity capital to assets | 10.9480% | 3,019 |
| Core capital (leverage) ratio | 9.5978% | 3,934 |
| Tier 1 risk-based capital ratio | 11.7394% | 6,069 |
| Total risk-based capital ratio | 12.7405% | 6,167 |
| Memoranda: | ||
| Average total assets | $115,440,000 | 4,496 |
| Average earning assets | $108,613,500 | 4,408 |
| Average equity | $12,515,500 | 4,470 |
| Average total loans | $85,734,500 | 3,848 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0718% | 5,049 |
| Cost of funding earning assets | 1.1234% | 830 |
| Net interest margin | 2.9484% | 6,137 |
| Noninterest income to average assets | 0.1152% | 6,452 |
| Noninterest expense to average assets | 2.4105% | 5,377 |
| Loan and lease loss provision to assets | 0.0250% | 5,579 |
| Net operating income to assets | 0.3960% | 5,117 |
| Return on assets (ROA) | 0.4070% | 5,326 |
| Pretax return on assets | 0.4224% | 5,517 |
| Return on Equity (ROE) | 3.8945% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.8945% | 3,453 |
| Net charge-offs to loans | -0.0126% | 6,499 |
| Credit loss provision to net charge-offs | -288.8889% | 6,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7993% | 1,773 |
| Assets per employee ($millions) | 5.8101% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 5,987 |
| Loan loss allowance to noncurrent loans | 3,032.1429% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 6,600 |
| Noncurrent loans to loans | 0.0328% | 6,428 |
| Net loans and leases to total assets | 72.7518% | 1,381 |
| Net loans and leases to deposits | 87.6551% | 1,313 |
| Net loans and leases to core deposits | 92.3792% | 1,604 |
| Total domestic deposits to total assets | 82.9977% | 4,728 |
| Equity capital to assets | 10.7365% | 3,236 |
| Core capital (leverage) ratio | 10.0957% | 3,281 |
| Tier 1 risk-based capital ratio | 11.8781% | 5,855 |
| Total risk-based capital ratio | 12.8068% | 6,024 |
| Memoranda: | ||
| Average total assets | $104,169,200 | 4,728 |
| Average earning assets | $96,493,800 | 4,679 |
| Average equity | $10,887,200 | 4,781 |
| Average total loans | $71,176,000 | 4,315 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 5,257 |
| Cost of funding earning assets | 1.1727% | 788 |
| Net interest margin | 2.9090% | 6,341 |
| Noninterest income to average assets | 0.1160% | 6,561 |
| Noninterest expense to average assets | 2.4357% | 5,288 |
| Loan and lease loss provision to assets | 0.0343% | 5,344 |
| Net operating income to assets | 0.3221% | 5,538 |
| Return on assets (ROA) | 0.3374% | 5,685 |
| Pretax return on assets | 0.3493% | 5,842 |
| Return on Equity (ROE) | 3.2538% | 5,593 |
| Retained earnings to average equity (ytd only) | 3.2538% | 4,577 |
| Net charge-offs to loans | -0.0118% | 6,397 |
| Credit loss provision to net charge-offs | -433.3333% | 6,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9083% | 1,483 |
| Assets per employee ($millions) | 5.3054% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 5,781 |
| Loan loss allowance to noncurrent loans | 2,729.0323% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 6,696 |
| Noncurrent loans to loans | 0.0397% | 6,520 |
| Net loans and leases to total assets | 72.7209% | 1,434 |
| Net loans and leases to deposits | 86.5957% | 1,531 |
| Net loans and leases to core deposits | 90.2743% | 1,955 |
| Total domestic deposits to total assets | 83.9775% | 4,235 |
| Equity capital to assets | 10.6939% | 3,615 |
| Core capital (leverage) ratio | 9.6936% | 3,970 |
| Tier 1 risk-based capital ratio | 11.5442% | 6,205 |
| Total risk-based capital ratio | 12.5499% | 6,318 |
| Memoranda: | ||
| Average total assets | $101,161,000 | 4,851 |
| Average earning assets | $93,454,250 | 4,814 |
| Average equity | $10,490,000 | 4,917 |
| Average total loans | $67,623,000 | 4,480 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9387% | 5,819 |
| Cost of funding earning assets | 1.1969% | 833 |
| Net interest margin | 2.7418% | 6,659 |
| Noninterest income to average assets | 0.1085% | 6,637 |
| Noninterest expense to average assets | 2.3535% | 5,609 |
| Loan and lease loss provision to assets | -0.0382% | 7,060 |
| Net operating income to assets | 0.3577% | 5,389 |
| Return on assets (ROA) | 0.3819% | 5,519 |
| Pretax return on assets | 0.3819% | 5,747 |
| Return on Equity (ROE) | 3.7239% | 5,392 |
| Retained earnings to average equity (ytd only) | 3.7239% | 4,119 |
| Net charge-offs to loans | -0.0187% | 6,415 |
| Credit loss provision to net charge-offs | 316.6667% | 933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9398% | 1,441 |
| Assets per employee ($millions) | 5.1075% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 5,966 |
| Loan loss allowance to noncurrent loans | 2,583.8710% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 6,757 |
| Noncurrent loans to loans | 0.0406% | 6,577 |
| Net loans and leases to total assets | 73.9530% | 1,249 |
| Net loans and leases to deposits | 93.7409% | 793 |
| Net loans and leases to core deposits | 98.1562% | 1,260 |
| Total domestic deposits to total assets | 78.8908% | 5,979 |
| Equity capital to assets | 10.9457% | 3,173 |
| Core capital (leverage) ratio | 9.6609% | 3,904 |
| Tier 1 risk-based capital ratio | 11.5290% | 6,198 |
| Total risk-based capital ratio | 12.4979% | 6,350 |
| Memoranda: | ||
| Average total assets | $99,512,330 | 4,913 |
| Average earning assets | $93,076,670 | 4,845 |
| Average equity | $10,204,330 | 4,982 |
| Average total loans | $64,161,330 | 4,632 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7098% | 6,422 |
| Cost of funding earning assets | 1.2497% | 777 |
| Net interest margin | 2.4601% | 6,976 |
| Noninterest income to average assets | 0.1141% | 6,677 |
| Noninterest expense to average assets | 2.2568% | 5,885 |
| Loan and lease loss provision to assets | -0.0733% | 7,166 |
| Net operating income to assets | 0.2322% | 5,880 |
| Return on assets (ROA) | 0.2322% | 6,029 |
| Pretax return on assets | 0.2322% | 6,127 |
| Return on Equity (ROE) | 2.3466% | 5,963 |
| Retained earnings to average equity (ytd only) | 2.3466% | 5,085 |
| Net charge-offs to loans | -0.0482% | 6,519 |
| Credit loss provision to net charge-offs | 257.1429% | 1,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0624% | 1,013 |
| Assets per employee ($millions) | 4.9153% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 5,043 |
| Loan loss allowance to noncurrent loans | 2,113.1579% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 6,809 |
| Noncurrent loans to loans | 0.0613% | 6,602 |
| Net loans and leases to total assets | 62.2003% | 3,221 |
| Net loans and leases to deposits | 73.7659% | 3,147 |
| Net loans and leases to core deposits | 82.0862% | 2,823 |
| Total domestic deposits to total assets | 84.3212% | 4,359 |
| Equity capital to assets | 10.3331% | 3,693 |
| Core capital (leverage) ratio | 8.9169% | 4,973 |
| Tier 1 risk-based capital ratio | 12.1102% | 5,890 |
| Total risk-based capital ratio | 13.2464% | 5,952 |
| Memoranda: | ||
| Average total assets | $98,193,500 | 4,974 |
| Average earning assets | $91,864,500 | 4,914 |
| Average equity | $9,716,000 | 5,115 |
| Average total loans | $58,070,000 | 4,902 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 6,775 |
| Cost of funding earning assets | 1.6180% | 441 |
| Net interest margin | 2.1388% | 7,195 |
| Noninterest income to average assets | 0.0884% | 6,688 |
| Noninterest expense to average assets | 2.3707% | 5,847 |
| Loan and lease loss provision to assets | 0.3808% | 2,714 |
| Net operating income to assets | -0.6731% | 6,595 |
| Return on assets (ROA) | -0.6731% | 6,629 |
| Pretax return on assets | -0.6731% | 6,586 |
| Return on Equity (ROE) | -6.8765% | 6,625 |
| Retained earnings to average equity (ytd only) | -6.8765% | 6,564 |
| Net charge-offs to loans | 0.0268% | 6,058 |
| Credit loss provision to net charge-offs | 2,484.6154% | 89 |
| Earnings coverage of net charge-offs (x) | -19.0769% | 6,408 |
| Efficiency ratio | 110.8905% | 422 |
| Assets per employee ($millions) | 6.1301% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 4,017 |
| Loan loss allowance to noncurrent loans | 1,893.0233% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 6,855 |
| Noncurrent loans to loans | 0.0793% | 6,614 |
| Net loans and leases to total assets | 54.4208% | 4,971 |
| Net loans and leases to deposits | 63.8855% | 5,029 |
| Net loans and leases to core deposits | 68.9376% | 4,910 |
| Total domestic deposits to total assets | 85.1848% | 3,750 |
| Equity capital to assets | 9.4554% | 4,952 |
| Core capital (leverage) ratio | 8.0627% | 6,189 |
| Tier 1 risk-based capital ratio | 11.1271% | 6,389 |
| Total risk-based capital ratio | 12.3136% | 6,405 |
| Memoranda: | ||
| Average total assets | $84,827,200 | 5,314 |
| Average earning assets | $78,922,200 | 5,263 |
| Average equity | $8,303,600 | 5,475 |
| Average total loans | $48,419,400 | 5,327 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8038% | 6,836 |
| Cost of funding earning assets | 1.6730% | 435 |
| Net interest margin | 2.1308% | 7,281 |
| Noninterest income to average assets | 0.0916% | 6,789 |
| Noninterest expense to average assets | 2.4830% | 5,525 |
| Loan and lease loss provision to assets | 0.4351% | 2,298 |
| Net operating income to assets | -0.8473% | 6,821 |
| Return on assets (ROA) | -0.8473% | 6,854 |
| Pretax return on assets | -0.8473% | 6,805 |
| Return on Equity (ROE) | -8.5678% | 6,845 |
| Retained earnings to average equity (ytd only) | -8.5678% | 6,797 |
| Net charge-offs to loans | 0.0369% | 5,629 |
| Credit loss provision to net charge-offs | 2,046.1538% | 131 |
| Earnings coverage of net charge-offs (x) | -19.3878% | 6,149 |
| Efficiency ratio | 116.5877% | 339 |
| Assets per employee ($millions) | 5.9250% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 4,173 |
| Loan loss allowance to noncurrent loans | 1,760.4651% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 6,934 |
| Noncurrent loans to loans | 0.0844% | 6,723 |
| Net loans and leases to total assets | 52.9409% | 5,332 |
| Net loans and leases to deposits | 62.0080% | 5,398 |
| Net loans and leases to core deposits | 67.7356% | 5,208 |
| Total domestic deposits to total assets | 85.3776% | 3,567 |
| Equity capital to assets | 9.0876% | 5,650 |
| Core capital (leverage) ratio | 7.7221% | 6,619 |
| Tier 1 risk-based capital ratio | 10.9726% | 6,555 |
| Total risk-based capital ratio | 12.1597% | 6,574 |
| Memoranda: | ||
| Average total assets | $81,513,500 | 5,459 |
| Average earning assets | $75,712,500 | 5,395 |
| Average equity | $8,061,000 | 5,578 |
| Average total loans | $46,976,500 | 5,425 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7679% | 6,954 |
| Cost of funding earning assets | 1.6845% | 497 |
| Net interest margin | 2.0834% | 7,347 |
| Noninterest income to average assets | 0.0960% | 6,848 |
| Noninterest expense to average assets | 2.6542% | 4,990 |
| Loan and lease loss provision to assets | 0.5397% | 1,808 |
| Net operating income to assets | -1.1598% | 6,993 |
| Return on assets (ROA) | -1.1598% | 6,998 |
| Pretax return on assets | -1.1598% | 6,949 |
| Return on Equity (ROE) | -11.3505% | 6,976 |
| Retained earnings to average equity (ytd only) | -11.3505% | 6,923 |
| Net charge-offs to loans | 0.0745% | 4,902 |
| Credit loss provision to net charge-offs | 1,223.5294% | 277 |
| Earnings coverage of net charge-offs (x) | -14.0588% | 5,836 |
| Efficiency ratio | 126.9133% | 281 |
| Assets per employee ($millions) | 5.5870% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 5,280 |
| Loan loss allowance to noncurrent loans | 1,579.5455% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 6,975 |
| Noncurrent loans to loans | 0.0795% | 6,781 |
| Net loans and leases to total assets | 61.1375% | 4,065 |
| Net loans and leases to deposits | 72.2260% | 4,078 |
| Net loans and leases to core deposits | 79.9567% | 3,792 |
| Total domestic deposits to total assets | 84.6474% | 4,054 |
| Equity capital to assets | 9.4617% | 4,870 |
| Core capital (leverage) ratio | 7.9839% | 6,314 |
| Tier 1 risk-based capital ratio | 10.6801% | 6,723 |
| Total risk-based capital ratio | 11.7711% | 6,776 |
| Memoranda: | ||
| Average total assets | $77,084,670 | 5,619 |
| Average earning assets | $71,711,330 | 5,564 |
| Average equity | $7,876,330 | 5,657 |
| Average total loans | $45,653,670 | 5,532 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7274% | 7,038 |
| Cost of funding earning assets | 1.6403% | 705 |
| Net interest margin | 2.0871% | 7,391 |
| Noninterest income to average assets | 0.0677% | 7,052 |
| Noninterest expense to average assets | 2.9324% | 3,933 |
| Loan and lease loss provision to assets | 1.1391% | 630 |
| Net operating income to assets | -2.0809% | 7,295 |
| Return on assets (ROA) | -2.0809% | 7,293 |
| Pretax return on assets | -2.0809% | 7,268 |
| Return on Equity (ROE) | -19.4582% | 7,214 |
| Retained earnings to average equity (ytd only) | -19.4582% | 7,146 |
| Net charge-offs to loans | 0.1274% | 3,758 |
| Credit loss provision to net charge-offs | 1,553.8462% | 250 |
| Earnings coverage of net charge-offs (x) | -12.8462% | 5,068 |
| Efficiency ratio | 147.3088% | 176 |
| Assets per employee ($millions) | 4.8085% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 4,042 |
| Loan loss allowance to noncurrent loans | 1,066.1538% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 6,961 |
| Noncurrent loans to loans | 0.1437% | 6,689 |
| Net loans and leases to total assets | 54.4798% | 5,231 |
| Net loans and leases to deposits | 65.9021% | 4,991 |
| Net loans and leases to core deposits | 73.6184% | 4,575 |
| Total domestic deposits to total assets | 82.6678% | 5,039 |
| Equity capital to assets | 9.3903% | 4,594 |
| Core capital (leverage) ratio | 8.7654% | 4,978 |
| Tier 1 risk-based capital ratio | 11.0130% | 6,503 |
| Total risk-based capital ratio | 12.2626% | 6,484 |
| Memoranda: | ||
| Average total assets | $70,931,000 | 5,849 |
| Average earning assets | $65,354,000 | 5,816 |
| Average equity | $7,585,500 | 5,747 |
| Average total loans | $40,807,000 | 5,816 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0854% | 7,481 |
| Cost of funding earning assets | 0.9912% | 5,734 |
| Net interest margin | 2.0942% | 7,432 |
| Noninterest income to average assets | 0.0724% | 7,020 |
| Noninterest expense to average assets | 2.8877% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -1.2155% | 6,793 |
| Return on assets (ROA) | -1.2155% | 6,814 |
| Pretax return on assets | -0.9434% | 6,599 |
| Return on Equity (ROE) | -7.9311% | 6,619 |
| Retained earnings to average equity (ytd only) | -7.9311% | 6,530 |
| Net charge-offs to loans | -0.0216% | 7,372 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.5237% | 222 |
| Assets per employee ($millions) | 3.0059% | 6,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 4,590 |
| Loan loss allowance to noncurrent loans | 541.9355% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 6,846 |
| Noncurrent loans to loans | 0.2556% | 6,552 |
| Net loans and leases to total assets | 59.6876% | 4,727 |
| Net loans and leases to deposits | 76.6223% | 3,746 |
| Net loans and leases to core deposits | 85.2915% | 3,431 |
| Total domestic deposits to total assets | 77.8985% | 6,337 |
| Equity capital to assets | 12.4671% | 1,652 |
| Core capital (leverage) ratio | 11.1377% | 2,059 |
| Tier 1 risk-based capital ratio | 13.3058% | 4,367 |
| Total risk-based capital ratio | 14.4574% | 4,402 |
| Memoranda: | ||
| Average total assets | $40,066,400 | 6,866 |
| Average earning assets | $35,813,400 | 6,882 |
| Average equity | $6,140,400 | 6,324 |
| Average total loans | $23,166,200 | 6,769 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7243% | 7,658 |
| Cost of funding earning assets | 0.7949% | 6,781 |
| Net interest margin | 1.9293% | 7,596 |
| Noninterest income to average assets | 0.0761% | 7,157 |
| Noninterest expense to average assets | 2.6093% | 5,284 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.8672% | 6,823 |
| Return on assets (ROA) | -0.8672% | 6,867 |
| Pretax return on assets | -0.8254% | 6,754 |
| Return on Equity (ROE) | -5.2396% | 6,664 |
| Retained earnings to average equity (ytd only) | -5.2396% | 6,572 |
| Net charge-offs to loans | -0.0403% | 7,443 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.2687% | 219 |
| Assets per employee ($millions) | 3.1813% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0468% | 2,109 |
| Loan loss allowance to noncurrent loans | 1,202.3810% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 7,120 |
| Noncurrent loans to loans | 0.1702% | 6,840 |
| Net loans and leases to total assets | 54.2638% | 5,808 |
| Net loans and leases to deposits | 71.6259% | 4,888 |
| Net loans and leases to core deposits | 72.4852% | 5,459 |
| Total domestic deposits to total assets | 75.7600% | 6,698 |
| Equity capital to assets | 17.2819% | 489 |
| Core capital (leverage) ratio | 16.6434% | 476 |
| Tier 1 risk-based capital ratio | 19.6728% | 1,610 |
| Total risk-based capital ratio | 20.9266% | 1,578 |
| Memoranda: | ||
| Average total assets | $35,053,500 | 7,129 |
| Average earning assets | $31,029,000 | 7,134 |
| Average equity | $5,801,750 | 6,510 |
| Average total loans | $19,861,000 | 7,018 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8481% | 7,776 |
| Cost of funding earning assets | 0.5387% | 7,492 |
| Net interest margin | 1.3093% | 7,759 |
| Noninterest income to average assets | 0.0502% | 7,332 |
| Noninterest expense to average assets | 1.7685% | 7,429 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.5769% | 6,726 |
| Return on assets (ROA) | -0.5769% | 6,756 |
| Pretax return on assets | -0.5142% | 6,601 |
| Return on Equity (ROE) | -3.5590% | 6,573 |
| Retained earnings to average equity (ytd only) | -3.5590% | 6,378 |
| Net charge-offs to loans | -0.0657% | 7,492 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.0000% | 248 |
| Assets per employee ($millions) | 2.7546% | 6,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4331% | 1,392 |
| Loan loss allowance to noncurrent loans | 855.9322% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 6,973 |
| Noncurrent loans to loans | 0.2843% | 6,664 |
| Net loans and leases to total assets | 56.5485% | 5,616 |
| Net loans and leases to deposits | 73.3032% | 4,794 |
| Net loans and leases to core deposits | 73.3032% | 5,522 |
| Total domestic deposits to total assets | 77.1433% | 6,465 |
| Equity capital to assets | 22.3150% | 188 |
| Core capital (leverage) ratio | 19.0311% | 291 |
| Tier 1 risk-based capital ratio | 24.4521% | 897 |
| Total risk-based capital ratio | 25.7111% | 877 |
| Memoranda: | ||
| Average total assets | $31,892,000 | 7,286 |
| Average earning assets | $29,327,670 | 7,248 |
| Average equity | $5,170,000 | 6,717 |
| Average total loans | $18,257,000 | 7,159 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6857% | 6,296 |
| Cost of funding earning assets | 1.3590% | 4,426 |
| Net interest margin | 3.3267% | 5,878 |
| Noninterest income to average assets | 0.2138% | 6,436 |
| Noninterest expense to average assets | 3.0067% | 3,656 |
| Loan and lease loss provision to assets | -3.1136% | 7,930 |
| Net operating income to assets | 2.4455% | 164 |
| Return on assets (ROA) | 2.4455% | 180 |
| Pretax return on assets | 3.4611% | 103 |
| Return on Equity (ROE) | 19.4707% | 410 |
| Retained earnings to average equity (ytd only) | 19.4707% | 197 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6414% | 1,458 |
| Assets per employee ($millions) | 3.7805% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8264% | 957 |
| Loan loss allowance to noncurrent loans | 170.8904% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 5,223 |
| Noncurrent loans to loans | 1.6539% | 4,270 |
| Net loans and leases to total assets | 56.7253% | 5,650 |
| Net loans and leases to deposits | 65.5234% | 5,874 |
| Net loans and leases to core deposits | 65.5234% | 6,328 |
| Total domestic deposits to total assets | 86.5725% | 2,859 |
| Equity capital to assets | 12.7265% | 1,638 |
| Core capital (leverage) ratio | 13.0289% | 1,206 |
| Tier 1 risk-based capital ratio | 18.7263% | 1,788 |
| Total risk-based capital ratio | 19.9912% | 1,751 |
| Memoranda: | ||
| Average total assets | $29,933,000 | 7,446 |
| Average earning assets | $28,256,000 | 7,380 |
| Average equity | $3,759,500 | 7,265 |
| Average total loans | $17,008,000 | 7,315 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2481% | 5,423 |
| Cost of funding earning assets | 1.7329% | 4,347 |
| Net interest margin | 3.5152% | 4,888 |
| Noninterest income to average assets | 0.1849% | 6,768 |
| Noninterest expense to average assets | 3.3737% | 2,765 |
| Loan and lease loss provision to assets | -0.9408% | 8,012 |
| Net operating income to assets | 0.6932% | 2,962 |
| Return on assets (ROA) | 0.6932% | 3,034 |
| Pretax return on assets | 1.0464% | 2,429 |
| Return on Equity (ROE) | 5.9520% | 3,230 |
| Retained earnings to average equity (ytd only) | 5.9520% | 1,371 |
| Net charge-offs to loans | 2.1627% | 1,113 |
| Credit loss provision to net charge-offs | -71.0723% | 7,372 |
| Earnings coverage of net charge-offs (x) | 0.0798% | 6,079 |
| Efficiency ratio | 96.9639% | 1,272 |
| Assets per employee ($millions) | 3.2913% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4741% | 258 |
| Loan loss allowance to noncurrent loans | 53.5088% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 4.6182% | 1,385 |
| Noncurrent loans to loans | 8.3613% | 578 |
| Net loans and leases to total assets | 52.7615% | 6,335 |
| Net loans and leases to deposits | 60.3833% | 6,606 |
| Net loans and leases to core deposits | 66.0176% | 6,980 |
| Total domestic deposits to total assets | 87.3776% | 2,280 |
| Equity capital to assets | 12.3894% | 1,802 |
| Core capital (leverage) ratio | 12.1107% | 1,617 |
| Tier 1 risk-based capital ratio | 19.0791% | 1,638 |
| Total risk-based capital ratio | 20.3590% | 1,596 |
| Memoranda: | ||
| Average total assets | $30,293,400 | 7,460 |
| Average earning assets | $28,391,000 | 7,420 |
| Average equity | $3,528,200 | 7,435 |
| Average total loans | $18,541,600 | 7,283 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3912% | 4,992 |
| Cost of funding earning assets | 1.8033% | 4,367 |
| Net interest margin | 3.5879% | 4,524 |
| Noninterest income to average assets | 0.1838% | 6,910 |
| Noninterest expense to average assets | 3.6242% | 1,973 |
| Loan and lease loss provision to assets | -0.8754% | 8,098 |
| Net operating income to assets | 0.4990% | 3,991 |
| Return on assets (ROA) | 0.4990% | 4,082 |
| Pretax return on assets | 0.7966% | 3,553 |
| Return on Equity (ROE) | 4.3519% | 4,229 |
| Retained earnings to average equity (ytd only) | 4.3519% | 2,840 |
| Net charge-offs to loans | 2.7313% | 656 |
| Credit loss provision to net charge-offs | -51.1509% | 7,189 |
| Earnings coverage of net charge-offs (x) | -0.0460% | 6,124 |
| Efficiency ratio | 102.2222% | 972 |
| Assets per employee ($millions) | 3.0736% | 5,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1078% | 127 |
| Loan loss allowance to noncurrent loans | 61.5786% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 4.3695% | 1,413 |
| Noncurrent loans to loans | 8.2947% | 572 |
| Net loans and leases to total assets | 49.9870% | 6,782 |
| Net loans and leases to deposits | 56.7964% | 7,038 |
| Net loans and leases to core deposits | 63.1743% | 7,280 |
| Total domestic deposits to total assets | 88.0108% | 1,645 |
| Equity capital to assets | 11.6346% | 2,480 |
| Core capital (leverage) ratio | 11.5748% | 2,031 |
| Tier 1 risk-based capital ratio | 18.3273% | 1,901 |
| Total risk-based capital ratio | 19.6144% | 1,847 |
| Memoranda: | ||
| Average total assets | $30,461,250 | 7,522 |
| Average earning assets | $28,539,500 | 7,478 |
| Average equity | $3,492,750 | 7,510 |
| Average total loans | $19,086,750 | 7,315 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5563% | 4,307 |
| Cost of funding earning assets | 1.9014% | 4,260 |
| Net interest margin | 3.6549% | 4,144 |
| Noninterest income to average assets | 0.1976% | 6,875 |
| Noninterest expense to average assets | 3.4376% | 2,516 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0988% | 5,566 |
| Return on assets (ROA) | 0.0988% | 5,661 |
| Pretax return on assets | 0.1778% | 5,518 |
| Return on Equity (ROE) | 0.8658% | 5,672 |
| Retained earnings to average equity (ytd only) | 0.8658% | 4,836 |
| Net charge-offs to loans | 3.8001% | 386 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.0709% | 5,608 |
| Efficiency ratio | 95.0820% | 1,432 |
| Assets per employee ($millions) | 2.9658% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5283% | 95 |
| Loan loss allowance to noncurrent loans | 57.7716% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 6.0523% | 803 |
| Noncurrent loans to loans | 9.5693% | 379 |
| Net loans and leases to total assets | 59.7512% | 5,721 |
| Net loans and leases to deposits | 67.8940% | 6,204 |
| Net loans and leases to core deposits | 76.2062% | 6,657 |
| Total domestic deposits to total assets | 88.0066% | 1,774 |
| Equity capital to assets | 11.7338% | 2,361 |
| Core capital (leverage) ratio | 10.8598% | 2,521 |
| Tier 1 risk-based capital ratio | 15.5929% | 2,775 |
| Total risk-based capital ratio | 16.8891% | 2,685 |
| Memoranda: | ||
| Average total assets | $30,369,670 | 7,590 |
| Average earning assets | $28,400,000 | 7,552 |
| Average equity | $3,465,000 | 7,587 |
| Average total loans | $20,052,000 | 7,320 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7606% | 3,478 |
| Cost of funding earning assets | 2.0694% | 3,797 |
| Net interest margin | 3.6913% | 3,929 |
| Noninterest income to average assets | 0.2343% | 6,587 |
| Noninterest expense to average assets | 3.5280% | 2,034 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1432% | 5,845 |
| Return on assets (ROA) | 0.1432% | 6,015 |
| Pretax return on assets | 0.1432% | 6,068 |
| Return on Equity (ROE) | 1.2726% | 6,046 |
| Retained earnings to average equity (ytd only) | 1.2726% | 5,126 |
| Net charge-offs to loans | -0.1159% | 7,915 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0993% | 1,317 |
| Assets per employee ($millions) | 2.9790% | 6,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2358% | 44 |
| Loan loss allowance to noncurrent loans | 73.7442% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 6.4820% | 578 |
| Noncurrent loans to loans | 9.8120% | 306 |
| Net loans and leases to total assets | 61.2823% | 5,451 |
| Net loans and leases to deposits | 69.5017% | 6,025 |
| Net loans and leases to core deposits | 79.2017% | 6,441 |
| Total domestic deposits to total assets | 88.1739% | 1,663 |
| Equity capital to assets | 11.5475% | 2,559 |
| Core capital (leverage) ratio | 10.4173% | 3,016 |
| Tier 1 risk-based capital ratio | 15.1132% | 3,009 |
| Total risk-based capital ratio | 16.4294% | 2,935 |
| Memoranda: | ||
| Average total assets | $30,725,500 | 7,619 |
| Average earning assets | $28,608,000 | 7,586 |
| Average equity | $3,457,500 | 7,636 |
| Average total loans | $20,699,000 | 7,319 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6461% | 6,942 |
| Cost of funding earning assets | 3.2219% | 1,124 |
| Net interest margin | 2.4242% | 7,828 |
| Noninterest income to average assets | 0.2002% | 7,021 |
| Noninterest expense to average assets | 2.6515% | 5,439 |
| Loan and lease loss provision to assets | 0.6226% | 2,343 |
| Net operating income to assets | -0.4956% | 6,921 |
| Return on assets (ROA) | -0.4956% | 6,799 |
| Pretax return on assets | -0.8033% | 6,878 |
| Return on Equity (ROE) | -5.8093% | 6,945 |
| Retained earnings to average equity (ytd only) | -5.8093% | 6,641 |
| Net charge-offs to loans | 2.4677% | 394 |
| Credit loss provision to net charge-offs | 41.6667% | 6,438 |
| Earnings coverage of net charge-offs (x) | -0.1209% | 6,328 |
| Efficiency ratio | 107.3123% | 775 |
| Assets per employee ($millions) | 3.1661% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5291% | 42 |
| Loan loss allowance to noncurrent loans | 74.5923% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 6.0042% | 494 |
| Noncurrent loans to loans | 8.7531% | 285 |
| Net loans and leases to total assets | 64.1167% | 5,248 |
| Net loans and leases to deposits | 72.2574% | 6,030 |
| Net loans and leases to core deposits | 85.6143% | 6,162 |
| Total domestic deposits to total assets | 88.7338% | 1,130 |
| Equity capital to assets | 10.9756% | 3,060 |
| Core capital (leverage) ratio | 10.4411% | 3,028 |
| Tier 1 risk-based capital ratio | 14.6404% | 3,235 |
| Total risk-based capital ratio | 15.9475% | 3,122 |
| Memoranda: | ||
| Average total assets | $40,958,400 | 7,171 |
| Average earning assets | $38,362,800 | 7,116 |
| Average equity | $3,494,400 | 7,685 |
| Average total loans | $24,800,200 | 7,039 |