Home > Southern Hills Community Bank > Performance and Condition Ratios
Southern Hills Community 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 | 4.7467% | 2,580 |
| Cost of funding earning assets | 0.7829% | 3,781 |
| Net interest margin | 3.9637% | 1,261 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 3.5949% | 511 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.3268% | 3,989 |
| Return on assets (ROA) | 0.3268% | 3,991 |
| Pretax return on assets | 0.3509% | 4,035 |
| Return on Equity (ROE) | 2.4000% | 4,110 |
| Retained earnings to average equity (ytd only) | 2.4023% | 3,481 |
| Net charge-offs to loans | 0.0536% | 1,329 |
| Credit loss provision to net charge-offs | 169.4915% | 1,353 |
| Earnings coverage of net charge-offs (x) | 11.4407% | 2,191 |
| Efficiency ratio | 89.7432% | 419 |
| Assets per employee ($millions) | 4.1492% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 2,720 |
| Loan loss allowance to noncurrent loans | 264.4764% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 1,659 |
| Noncurrent loans to loans | 0.4238% | 1,719 |
| Net loans and leases to total assets | 63.6800% | 2,489 |
| Net loans and leases to deposits | 74.9228% | 2,544 |
| Net loans and leases to core deposits | 81.5518% | 2,616 |
| Total domestic deposits to total assets | 85.0000% | 2,312 |
| Equity capital to assets | 13.9955% | 680 |
| Core capital (leverage) ratio | 14.9933% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $178,390,200 | 3,138 |
| Average earning assets | $163,356,600 | 3,146 |
| Average equity | $24,268,400 | 2,564 |
| Average total loans | $110,060,800 | 3,060 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 2,586 |
| Cost of funding earning assets | 0.6714% | 3,829 |
| Net interest margin | 3.9697% | 1,268 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 3.6116% | 491 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.2967% | 4,117 |
| Return on assets (ROA) | 0.2967% | 4,124 |
| Pretax return on assets | 0.3378% | 4,124 |
| Return on Equity (ROE) | 2.2000% | 4,175 |
| Retained earnings to average equity (ytd only) | 2.1970% | 3,691 |
| Net charge-offs to loans | 0.0612% | 1,053 |
| Credit loss provision to net charge-offs | 88.0000% | 1,707 |
| Earnings coverage of net charge-offs (x) | 9.2400% | 2,169 |
| Efficiency ratio | 90.5365% | 356 |
| Assets per employee ($millions) | 3.9858% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 2,823 |
| Loan loss allowance to noncurrent loans | 251.2146% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 1,668 |
| Noncurrent loans to loans | 0.4411% | 1,727 |
| Net loans and leases to total assets | 63.1500% | 2,547 |
| Net loans and leases to deposits | 74.2067% | 2,546 |
| Net loans and leases to core deposits | 80.4406% | 2,568 |
| Total domestic deposits to total assets | 85.1000% | 2,470 |
| Equity capital to assets | 13.7305% | 689 |
| Core capital (leverage) ratio | 15.1078% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $178,384,000 | 3,144 |
| Average earning assets | $163,435,000 | 3,155 |
| Average equity | $24,093,000 | 2,559 |
| Average total loans | $108,848,500 | 3,075 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 2,573 |
| Cost of funding earning assets | 0.5437% | 3,902 |
| Net interest margin | 3.9868% | 1,271 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 3.5766% | 486 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3378% | 4,104 |
| Return on assets (ROA) | 0.3378% | 4,127 |
| Pretax return on assets | 0.3902% | 4,131 |
| Return on Equity (ROE) | 2.5100% | 4,216 |
| Retained earnings to average equity (ytd only) | 2.5148% | 3,597 |
| Net charge-offs to loans | 0.0148% | 1,644 |
| Credit loss provision to net charge-offs | 412.5000% | 721 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 1,354 |
| Efficiency ratio | 89.4323% | 373 |
| Assets per employee ($millions) | 3.7819% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 2,635 |
| Loan loss allowance to noncurrent loans | 272.9614% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 1,846 |
| Noncurrent loans to loans | 0.4262% | 1,661 |
| Net loans and leases to total assets | 60.8000% | 2,696 |
| Net loans and leases to deposits | 71.2164% | 2,699 |
| Net loans and leases to core deposits | 76.6440% | 2,717 |
| Total domestic deposits to total assets | 85.3700% | 2,437 |
| Equity capital to assets | 13.6017% | 701 |
| Core capital (leverage) ratio | 14.6112% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $179,386,667 | 3,140 |
| Average earning assets | $164,441,333 | 3,161 |
| Average equity | $24,097,333 | 2,564 |
| Average total loans | $107,801,333 | 3,083 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 2,586 |
| Cost of funding earning assets | 0.4335% | 3,875 |
| Net interest margin | 3.9544% | 1,358 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 3.5027% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3751% | 4,127 |
| Return on assets (ROA) | 0.3751% | 4,077 |
| Pretax return on assets | 0.4373% | 4,073 |
| Return on Equity (ROE) | 2.8100% | 4,207 |
| Retained earnings to average equity (ytd only) | 2.8099% | 3,546 |
| Net charge-offs to loans | 0.0149% | 1,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 49.2500% | 1,106 |
| Efficiency ratio | 88.1690% | 412 |
| Assets per employee ($millions) | 3.9874% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 2,787 |
| Loan loss allowance to noncurrent loans | 242.7734% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 1,731 |
| Noncurrent loans to loans | 0.4765% | 1,522 |
| Net loans and leases to total assets | 59.1900% | 2,751 |
| Net loans and leases to deposits | 69.1475% | 2,684 |
| Net loans and leases to core deposits | 73.8247% | 2,686 |
| Total domestic deposits to total assets | 85.6000% | 2,699 |
| Equity capital to assets | 13.5180% | 665 |
| Core capital (leverage) ratio | 14.4842% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $180,205,000 | 3,175 |
| Average earning assets | $165,181,000 | 3,189 |
| Average equity | $24,057,500 | 2,597 |
| Average total loans | $107,032,000 | 3,123 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 1,356 |
| Cost of funding earning assets | 0.2837% | 3,010 |
| Net interest margin | 3.8632% | 1,044 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 3.3105% | 618 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4696% | 4,137 |
| Return on assets (ROA) | 0.5154% | 4,020 |
| Pretax return on assets | 0.6104% | 4,012 |
| Return on Equity (ROE) | 3.9800% | 4,168 |
| Retained earnings to average equity (ytd only) | 3.9811% | 3,402 |
| Net charge-offs to loans | 0.0562% | 1,095 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 17.5517% | 1,952 |
| Efficiency ratio | 84.8891% | 453 |
| Assets per employee ($millions) | 4.3089% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 4,158 |
| Loan loss allowance to noncurrent loans | 152.1318% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 1,716 |
| Noncurrent loans to loans | 0.4840% | 1,490 |
| Net loans and leases to total assets | 58.4800% | 2,777 |
| Net loans and leases to deposits | 68.0231% | 2,725 |
| Net loans and leases to core deposits | 71.7503% | 2,742 |
| Total domestic deposits to total assets | 85.9700% | 2,733 |
| Equity capital to assets | 13.1836% | 672 |
| Core capital (leverage) ratio | 14.4254% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5288% | 512 |
| Memoranda: | ||
| Average total assets | $183,145,800 | 3,158 |
| Average earning assets | $167,064,200 | 3,185 |
| Average equity | $23,711,800 | 2,656 |
| Average total loans | $103,189,600 | 3,107 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 1,090 |
| Cost of funding earning assets | 0.2715% | 2,474 |
| Net interest margin | 3.8151% | 931 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 3.3418% | 562 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3731% | 4,282 |
| Return on assets (ROA) | 0.4362% | 4,132 |
| Pretax return on assets | 0.5037% | 4,143 |
| Return on Equity (ROE) | 3.3800% | 4,252 |
| Retained earnings to average equity (ytd only) | 3.3846% | 3,674 |
| Net charge-offs to loans | 0.0313% | 1,213 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 24.7500% | 1,620 |
| Efficiency ratio | 87.8222% | 390 |
| Assets per employee ($millions) | 4.6053% | 3,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,126 |
| Loan loss allowance to noncurrent loans | 92.5339% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.4989% | 1,102 |
| Noncurrent loans to loans | 0.8468% | 927 |
| Net loans and leases to total assets | 56.2300% | 2,882 |
| Net loans and leases to deposits | 64.9164% | 2,799 |
| Net loans and leases to core deposits | 68.2642% | 2,779 |
| Total domestic deposits to total assets | 86.6200% | 2,879 |
| Equity capital to assets | 12.1893% | 842 |
| Core capital (leverage) ratio | 13.9546% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0259% | 488 |
| Memoranda: | ||
| Average total assets | $183,688,500 | 3,180 |
| Average earning assets | $167,436,750 | 3,197 |
| Average equity | $23,675,000 | 2,698 |
| Average total loans | $102,333,000 | 3,118 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 866 |
| Cost of funding earning assets | 0.2718% | 2,005 |
| Net interest margin | 3.7737% | 795 |
| Noninterest income to average assets | 0.2507% | 3,668 |
| Noninterest expense to average assets | 3.3654% | 501 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2964% | 4,295 |
| Return on assets (ROA) | 0.3967% | 4,064 |
| Pretax return on assets | 0.4294% | 4,112 |
| Return on Equity (ROE) | 3.0230% | 4,210 |
| Retained earnings to average equity (ytd only) | 3.0230% | 3,438 |
| Net charge-offs to loans | -0.0216% | 3,907 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5381% | 382 |
| Assets per employee ($millions) | 4.3554% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 4,105 |
| Loan loss allowance to noncurrent loans | 95.0948% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 1,083 |
| Noncurrent loans to loans | 0.8829% | 957 |
| Net loans and leases to total assets | 53.7935% | 2,983 |
| Net loans and leases to deposits | 62.1013% | 2,883 |
| Net loans and leases to core deposits | 65.7871% | 2,842 |
| Total domestic deposits to total assets | 86.6222% | 3,069 |
| Equity capital to assets | 12.3227% | 795 |
| Core capital (leverage) ratio | 13.5069% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1302% | 471 |
| Memoranda: | ||
| Average total assets | $183,514,333 | 3,214 |
| Average earning assets | $167,052,000 | 3,247 |
| Average equity | $24,082,000 | 2,739 |
| Average total loans | $101,644,667 | 3,157 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2358% | 488 |
| Cost of funding earning assets | 0.2784% | 1,840 |
| Net interest margin | 3.9575% | 446 |
| Noninterest income to average assets | 0.3083% | 3,258 |
| Noninterest expense to average assets | 3.3739% | 480 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5352% | 3,608 |
| Return on assets (ROA) | 0.7554% | 2,824 |
| Pretax return on assets | 0.7554% | 3,242 |
| Return on Equity (ROE) | 5.5809% | 3,459 |
| Retained earnings to average equity (ytd only) | 5.5809% | 2,387 |
| Net charge-offs to loans | -0.0708% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5775% | 759 |
| Assets per employee ($millions) | 4.4948% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 4,159 |
| Loan loss allowance to noncurrent loans | 96.5208% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 1,104 |
| Noncurrent loans to loans | 0.8764% | 1,065 |
| Net loans and leases to total assets | 54.7028% | 2,665 |
| Net loans and leases to deposits | 63.5975% | 2,565 |
| Net loans and leases to core deposits | 67.5772% | 2,489 |
| Total domestic deposits to total assets | 86.0141% | 3,258 |
| Equity capital to assets | 13.0244% | 685 |
| Core capital (leverage) ratio | 14.0109% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2640% | 475 |
| Memoranda: | ||
| Average total assets | $181,631,000 | 3,237 |
| Average earning assets | $165,257,500 | 3,277 |
| Average equity | $24,584,000 | 2,798 |
| Average total loans | $101,668,000 | 3,162 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0028% | 1,355 |
| Cost of funding earning assets | 0.3416% | 2,012 |
| Net interest margin | 3.6612% | 1,311 |
| Noninterest income to average assets | 0.2497% | 3,873 |
| Noninterest expense to average assets | 3.4096% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1580% | 4,571 |
| Return on assets (ROA) | 0.1580% | 4,586 |
| Pretax return on assets | 0.1614% | 4,598 |
| Return on Equity (ROE) | 1.1139% | 4,598 |
| Retained earnings to average equity (ytd only) | 1.1139% | 4,230 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6606% | 217 |
| Assets per employee ($millions) | 4.1623% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 4,216 |
| Loan loss allowance to noncurrent loans | 80.1905% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 1,001 |
| Noncurrent loans to loans | 1.0328% | 954 |
| Net loans and leases to total assets | 56.3341% | 2,562 |
| Net loans and leases to deposits | 66.3851% | 2,477 |
| Net loans and leases to core deposits | 70.9032% | 2,369 |
| Total domestic deposits to total assets | 84.8595% | 3,314 |
| Equity capital to assets | 14.0610% | 651 |
| Core capital (leverage) ratio | 13.9934% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1594% | 486 |
| Memoranda: | ||
| Average total assets | $177,792,200 | 3,227 |
| Average earning assets | $161,285,400 | 3,264 |
| Average equity | $25,227,800 | 2,832 |
| Average total loans | $102,875,200 | 3,162 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 1,453 |
| Cost of funding earning assets | 0.3497% | 2,116 |
| Net interest margin | 3.6880% | 1,363 |
| Noninterest income to average assets | 0.2524% | 3,882 |
| Noninterest expense to average assets | 3.3968% | 535 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1825% | 4,640 |
| Return on assets (ROA) | 0.1825% | 4,660 |
| Pretax return on assets | 0.1991% | 4,667 |
| Return on Equity (ROE) | 1.2835% | 4,671 |
| Retained earnings to average equity (ytd only) | 1.2835% | 4,354 |
| Net charge-offs to loans | -0.0090% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6495% | 236 |
| Assets per employee ($millions) | 4.1593% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 4,306 |
| Loan loss allowance to noncurrent loans | 78.9033% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 1,130 |
| Noncurrent loans to loans | 1.0532% | 1,078 |
| Net loans and leases to total assets | 56.6480% | 2,657 |
| Net loans and leases to deposits | 66.9278% | 2,549 |
| Net loans and leases to core deposits | 71.3699% | 2,483 |
| Total domestic deposits to total assets | 84.6404% | 3,250 |
| Equity capital to assets | 14.1301% | 705 |
| Core capital (leverage) ratio | 14.0537% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1780% | 525 |
| Memoranda: | ||
| Average total assets | $177,496,000 | 3,266 |
| Average earning assets | $160,914,750 | 3,300 |
| Average equity | $25,243,250 | 2,862 |
| Average total loans | $103,177,250 | 3,201 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 1,412 |
| Cost of funding earning assets | 0.3627% | 2,201 |
| Net interest margin | 3.7054% | 1,340 |
| Noninterest income to average assets | 0.2542% | 3,871 |
| Noninterest expense to average assets | 3.3551% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2417% | 4,590 |
| Return on assets (ROA) | 0.2417% | 4,605 |
| Pretax return on assets | 0.2576% | 4,628 |
| Return on Equity (ROE) | 1.6961% | 4,623 |
| Retained earnings to average equity (ytd only) | 1.6961% | 4,191 |
| Net charge-offs to loans | -0.0309% | 4,171 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0575% | 291 |
| Assets per employee ($millions) | 4.0393% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8341% | 4,312 |
| Loan loss allowance to noncurrent loans | 77.9292% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 0.6966% | 1,181 |
| Noncurrent loans to loans | 1.0703% | 1,136 |
| Net loans and leases to total assets | 57.3948% | 2,738 |
| Net loans and leases to deposits | 67.7902% | 2,638 |
| Net loans and leases to core deposits | 72.1890% | 2,587 |
| Total domestic deposits to total assets | 84.6652% | 3,232 |
| Equity capital to assets | 14.2190% | 671 |
| Core capital (leverage) ratio | 13.9029% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2903% | 525 |
| Memoranda: | ||
| Average total assets | $177,044,000 | 3,269 |
| Average earning assets | $160,467,000 | 3,303 |
| Average equity | $25,233,667 | 2,861 |
| Average total loans | $103,514,667 | 3,211 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0762% | 1,443 |
| Cost of funding earning assets | 0.3796% | 2,268 |
| Net interest margin | 3.6966% | 1,337 |
| Noninterest income to average assets | 0.2467% | 3,917 |
| Noninterest expense to average assets | 3.3344% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2626% | 4,572 |
| Return on assets (ROA) | 0.2626% | 4,596 |
| Pretax return on assets | 0.2626% | 4,634 |
| Return on Equity (ROE) | 1.8402% | 4,625 |
| Retained earnings to average equity (ytd only) | 1.8402% | 4,046 |
| Net charge-offs to loans | 0.0231% | 1,281 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,265 |
| Efficiency ratio | 91.8817% | 332 |
| Assets per employee ($millions) | 4.5311% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 4,396 |
| Loan loss allowance to noncurrent loans | 70.0754% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7338% | 1,260 |
| Noncurrent loans to loans | 1.1505% | 1,163 |
| Net loans and leases to total assets | 56.7534% | 2,950 |
| Net loans and leases to deposits | 66.6803% | 2,840 |
| Net loans and leases to core deposits | 70.6487% | 2,816 |
| Total domestic deposits to total assets | 85.1127% | 3,056 |
| Equity capital to assets | 13.8555% | 699 |
| Core capital (leverage) ratio | 14.2509% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5303% | 551 |
| Memoranda: | ||
| Average total assets | $176,702,500 | 3,272 |
| Average earning assets | $160,148,000 | 3,303 |
| Average equity | $25,215,000 | 2,858 |
| Average total loans | $103,840,000 | 3,211 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 1,228 |
| Cost of funding earning assets | 0.5612% | 2,553 |
| Net interest margin | 3.9738% | 1,033 |
| Noninterest income to average assets | 0.2445% | 4,023 |
| Noninterest expense to average assets | 3.6743% | 546 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1384% | 4,635 |
| Return on assets (ROA) | 0.1610% | 4,668 |
| Pretax return on assets | 0.1718% | 4,666 |
| Return on Equity (ROE) | 1.0634% | 4,675 |
| Retained earnings to average equity (ytd only) | 1.0634% | 4,203 |
| Net charge-offs to loans | -0.0505% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3159% | 243 |
| Assets per employee ($millions) | 4.0991% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 4,405 |
| Loan loss allowance to noncurrent loans | 68.3997% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 1,217 |
| Noncurrent loans to loans | 1.1838% | 1,196 |
| Net loans and leases to total assets | 59.9089% | 2,874 |
| Net loans and leases to deposits | 71.2383% | 2,764 |
| Net loans and leases to core deposits | 75.6326% | 2,759 |
| Total domestic deposits to total assets | 84.0965% | 3,087 |
| Equity capital to assets | 14.7058% | 626 |
| Core capital (leverage) ratio | 14.4810% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6198% | 533 |
| Memoranda: | ||
| Average total assets | $166,451,800 | 3,227 |
| Average earning assets | $149,857,400 | 3,264 |
| Average equity | $25,202,800 | 2,786 |
| Average total loans | $109,018,400 | 3,104 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6770% | 1,114 |
| Cost of funding earning assets | 0.5942% | 2,651 |
| Net interest margin | 4.0828% | 925 |
| Noninterest income to average assets | 0.2480% | 3,991 |
| Noninterest expense to average assets | 3.7262% | 507 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1619% | 4,642 |
| Return on assets (ROA) | 0.1891% | 4,654 |
| Pretax return on assets | 0.2238% | 4,633 |
| Return on Equity (ROE) | 1.2393% | 4,668 |
| Retained earnings to average equity (ytd only) | 1.2393% | 4,168 |
| Net charge-offs to loans | -0.0459% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3081% | 254 |
| Assets per employee ($millions) | 4.0693% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7715% | 4,434 |
| Loan loss allowance to noncurrent loans | 59.9129% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.9309% | 1,227 |
| Noncurrent loans to loans | 1.2876% | 1,152 |
| Net loans and leases to total assets | 62.0875% | 3,000 |
| Net loans and leases to deposits | 74.0272% | 2,954 |
| Net loans and leases to core deposits | 78.4944% | 2,970 |
| Total domestic deposits to total assets | 83.8712% | 2,860 |
| Equity capital to assets | 14.8825% | 662 |
| Core capital (leverage) ratio | 14.7806% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1956% | 503 |
| Memoranda: | ||
| Average total assets | $165,024,000 | 3,216 |
| Average earning assets | $148,325,000 | 3,265 |
| Average equity | $25,174,000 | 2,780 |
| Average total loans | $110,277,250 | 3,107 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8406% | 1,076 |
| Cost of funding earning assets | 0.6230% | 2,847 |
| Net interest margin | 4.2176% | 887 |
| Noninterest income to average assets | 0.2343% | 4,076 |
| Noninterest expense to average assets | 3.8010% | 501 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1832% | 4,596 |
| Return on assets (ROA) | 0.2245% | 4,572 |
| Pretax return on assets | 0.2686% | 4,570 |
| Return on Equity (ROE) | 1.4589% | 4,625 |
| Retained earnings to average equity (ytd only) | 1.4589% | 3,950 |
| Net charge-offs to loans | -0.0557% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7462% | 301 |
| Assets per employee ($millions) | 3.9883% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7498% | 4,464 |
| Loan loss allowance to noncurrent loans | 52.8083% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.0686% | 1,082 |
| Noncurrent loans to loans | 1.4198% | 1,088 |
| Net loans and leases to total assets | 64.6409% | 2,802 |
| Net loans and leases to deposits | 77.2347% | 2,733 |
| Net loans and leases to core deposits | 82.0048% | 2,778 |
| Total domestic deposits to total assets | 83.6941% | 2,852 |
| Equity capital to assets | 15.1489% | 598 |
| Core capital (leverage) ratio | 15.0213% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4286% | 476 |
| Memoranda: | ||
| Average total assets | $163,061,333 | 3,216 |
| Average earning assets | $146,386,000 | 3,262 |
| Average equity | $25,086,667 | 2,776 |
| Average total loans | $111,389,667 | 3,084 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 1,312 |
| Cost of funding earning assets | 0.6549% | 3,148 |
| Net interest margin | 4.1930% | 937 |
| Noninterest income to average assets | 0.2412% | 4,114 |
| Noninterest expense to average assets | 3.8996% | 555 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0846% | 4,670 |
| Return on assets (ROA) | 0.1691% | 4,580 |
| Pretax return on assets | 0.1990% | 4,567 |
| Return on Equity (ROE) | 1.0905% | 4,616 |
| Retained earnings to average equity (ytd only) | 1.0905% | 3,717 |
| Net charge-offs to loans | -0.0213% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7040% | 305 |
| Assets per employee ($millions) | 3.6582% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 4,600 |
| Loan loss allowance to noncurrent loans | 49.0111% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.1549% | 1,107 |
| Noncurrent loans to loans | 1.4385% | 1,113 |
| Net loans and leases to total assets | 69.3853% | 2,341 |
| Net loans and leases to deposits | 83.2823% | 2,306 |
| Net loans and leases to core deposits | 88.1233% | 2,511 |
| Total domestic deposits to total assets | 83.3135% | 3,014 |
| Equity capital to assets | 15.5590% | 662 |
| Core capital (leverage) ratio | 15.3877% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1389% | 436 |
| Memoranda: | ||
| Average total assets | $160,837,000 | 3,208 |
| Average earning assets | $144,145,500 | 3,249 |
| Average equity | $24,942,000 | 2,778 |
| Average total loans | $112,535,500 | 3,049 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0420% | 1,363 |
| Cost of funding earning assets | 0.5787% | 3,726 |
| Net interest margin | 4.4632% | 777 |
| Noninterest income to average assets | 0.2563% | 4,149 |
| Noninterest expense to average assets | 4.0394% | 509 |
| Loan and lease loss provision to assets | 0.0649% | 2,731 |
| Net operating income to assets | 0.1343% | 4,904 |
| Return on assets (ROA) | 0.1475% | 4,911 |
| Pretax return on assets | 0.1692% | 4,907 |
| Return on Equity (ROE) | 0.9434% | 4,921 |
| Retained earnings to average equity (ytd only) | 0.9434% | 4,400 |
| Net charge-offs to loans | 0.2070% | 995 |
| Credit loss provision to net charge-offs | 43.5897% | 3,176 |
| Earnings coverage of net charge-offs (x) | 1.4701% | 3,539 |
| Efficiency ratio | 94.0860% | 245 |
| Assets per employee ($millions) | 3.7375% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6990% | 4,575 |
| Loan loss allowance to noncurrent loans | 46.1313% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.1885% | 996 |
| Noncurrent loans to loans | 1.5152% | 947 |
| Net loans and leases to total assets | 69.5698% | 2,469 |
| Net loans and leases to deposits | 83.5247% | 2,379 |
| Net loans and leases to core deposits | 88.3892% | 2,573 |
| Total domestic deposits to total assets | 83.2925% | 3,108 |
| Equity capital to assets | 15.4562% | 696 |
| Core capital (leverage) ratio | 15.2429% | 637 |
| Tier 1 risk-based capital ratio | 24.6155% | 779 |
| Total risk-based capital ratio | 25.4071% | 796 |
| Memoranda: | ||
| Average total assets | $157,252,400 | 3,225 |
| Average earning assets | $140,996,200 | 3,263 |
| Average equity | $24,592,000 | 2,743 |
| Average total loans | $113,040,800 | 3,038 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0762% | 1,341 |
| Cost of funding earning assets | 0.5482% | 3,939 |
| Net interest margin | 4.5280% | 720 |
| Noninterest income to average assets | 0.2097% | 4,468 |
| Noninterest expense to average assets | 4.0889% | 478 |
| Loan and lease loss provision to assets | 0.0870% | 2,178 |
| Net operating income to assets | 0.0799% | 5,032 |
| Return on assets (ROA) | 0.0904% | 5,038 |
| Pretax return on assets | 0.1023% | 5,037 |
| Return on Equity (ROE) | 0.5762% | 5,044 |
| Retained earnings to average equity (ytd only) | 0.5762% | 4,649 |
| Net charge-offs to loans | 0.1614% | 1,038 |
| Credit loss provision to net charge-offs | 74.4526% | 2,573 |
| Earnings coverage of net charge-offs (x) | 1.5183% | 3,281 |
| Efficiency ratio | 95.0639% | 217 |
| Assets per employee ($millions) | 3.6263% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,457 |
| Loan loss allowance to noncurrent loans | 58.7375% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 1,226 |
| Noncurrent loans to loans | 1.3338% | 1,152 |
| Net loans and leases to total assets | 70.1609% | 2,443 |
| Net loans and leases to deposits | 84.4878% | 2,385 |
| Net loans and leases to core deposits | 88.0510% | 2,722 |
| Total domestic deposits to total assets | 83.0426% | 3,154 |
| Equity capital to assets | 15.4864% | 732 |
| Core capital (leverage) ratio | 15.4415% | 654 |
| Tier 1 risk-based capital ratio | 24.6637% | 791 |
| Total risk-based capital ratio | 25.5598% | 805 |
| Memoranda: | ||
| Average total assets | $156,387,500 | 3,267 |
| Average earning assets | $140,101,500 | 3,309 |
| Average equity | $24,530,000 | 2,769 |
| Average total loans | $113,152,500 | 3,072 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1273% | 1,155 |
| Cost of funding earning assets | 0.5176% | 4,044 |
| Net interest margin | 4.6097% | 605 |
| Noninterest income to average assets | 0.2421% | 4,304 |
| Noninterest expense to average assets | 4.1151% | 461 |
| Loan and lease loss provision to assets | 0.1313% | 1,427 |
| Net operating income to assets | 0.1091% | 5,051 |
| Return on assets (ROA) | 0.1159% | 5,060 |
| Pretax return on assets | 0.1313% | 5,056 |
| Return on Equity (ROE) | 0.7356% | 5,069 |
| Retained earnings to average equity (ytd only) | 0.7356% | 4,502 |
| Net charge-offs to loans | 0.4644% | 347 |
| Credit loss provision to net charge-offs | 38.7833% | 2,551 |
| Earnings coverage of net charge-offs (x) | 0.7529% | 3,075 |
| Efficiency ratio | 93.4001% | 246 |
| Assets per employee ($millions) | 3.4613% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6695% | 4,757 |
| Loan loss allowance to noncurrent loans | 65.8558% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 0.9649% | 1,440 |
| Noncurrent loans to loans | 1.0166% | 1,614 |
| Net loans and leases to total assets | 72.2060% | 2,182 |
| Net loans and leases to deposits | 87.1683% | 2,107 |
| Net loans and leases to core deposits | 88.3065% | 2,765 |
| Total domestic deposits to total assets | 82.8351% | 3,259 |
| Equity capital to assets | 15.8147% | 647 |
| Core capital (leverage) ratio | 15.5997% | 606 |
| Tier 1 risk-based capital ratio | 24.8761% | 764 |
| Total risk-based capital ratio | 25.6520% | 795 |
| Memoranda: | ||
| Average total assets | $155,330,330 | 3,293 |
| Average earning assets | $139,098,330 | 3,340 |
| Average equity | $24,470,000 | 2,770 |
| Average total loans | $113,259,330 | 3,084 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0843% | 1,127 |
| Cost of funding earning assets | 0.4920% | 4,092 |
| Net interest margin | 4.5923% | 617 |
| Noninterest income to average assets | 0.2398% | 4,288 |
| Noninterest expense to average assets | 4.1363% | 443 |
| Loan and lease loss provision to assets | 0.1315% | 1,327 |
| Net operating income to assets | 0.0799% | 5,100 |
| Return on assets (ROA) | 0.0799% | 5,107 |
| Pretax return on assets | 0.0877% | 5,103 |
| Return on Equity (ROE) | 0.5084% | 5,118 |
| Retained earnings to average equity (ytd only) | 0.5084% | 4,431 |
| Net charge-offs to loans | 0.1307% | 960 |
| Credit loss provision to net charge-offs | 137.8378% | 1,310 |
| Earnings coverage of net charge-offs (x) | 2.2973% | 2,509 |
| Efficiency ratio | 94.1978% | 269 |
| Assets per employee ($millions) | 3.3100% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 4,433 |
| Loan loss allowance to noncurrent loans | 63.8167% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.0851% | 1,274 |
| Noncurrent loans to loans | 1.2949% | 1,267 |
| Net loans and leases to total assets | 71.9750% | 2,165 |
| Net loans and leases to deposits | 86.6970% | 2,042 |
| Net loans and leases to core deposits | 87.6539% | 2,724 |
| Total domestic deposits to total assets | 83.0190% | 3,376 |
| Equity capital to assets | 15.7179% | 618 |
| Core capital (leverage) ratio | 15.7231% | 570 |
| Tier 1 risk-based capital ratio | 24.7354% | 777 |
| Total risk-based capital ratio | 25.6878% | 788 |
| Memoranda: | ||
| Average total assets | $155,115,500 | 3,339 |
| Average earning assets | $139,015,500 | 3,382 |
| Average equity | $24,388,500 | 2,772 |
| Average total loans | $113,276,000 | 3,111 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 1,030 |
| Cost of funding earning assets | 0.4456% | 3,709 |
| Net interest margin | 4.5634% | 668 |
| Noninterest income to average assets | 0.2262% | 4,564 |
| Noninterest expense to average assets | 3.8908% | 608 |
| Loan and lease loss provision to assets | 0.1237% | 1,782 |
| Net operating income to assets | 0.2515% | 5,060 |
| Return on assets (ROA) | 0.2515% | 5,055 |
| Pretax return on assets | 0.2993% | 5,047 |
| Return on Equity (ROE) | 1.6820% | 5,083 |
| Retained earnings to average equity (ytd only) | 1.6820% | 4,474 |
| Net charge-offs to loans | -0.0028% | 4,274 |
| Credit loss provision to net charge-offs | -6,200.0000% | 4,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4526% | 370 |
| Assets per employee ($millions) | 3.2221% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 4,505 |
| Loan loss allowance to noncurrent loans | 55.6632% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.1296% | 1,175 |
| Noncurrent loans to loans | 1.4527% | 1,059 |
| Net loans and leases to total assets | 72.8875% | 2,117 |
| Net loans and leases to deposits | 87.9151% | 2,052 |
| Net loans and leases to core deposits | 88.8926% | 2,664 |
| Total domestic deposits to total assets | 82.9067% | 3,360 |
| Equity capital to assets | 15.7277% | 579 |
| Core capital (leverage) ratio | 15.4096% | 611 |
| Tier 1 risk-based capital ratio | 25.0417% | 740 |
| Total risk-based capital ratio | 25.9931% | 745 |
| Memoranda: | ||
| Average total assets | $150,327,600 | 3,383 |
| Average earning assets | $134,659,200 | 3,430 |
| Average equity | $22,473,800 | 2,865 |
| Average total loans | $108,149,000 | 3,167 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 1,057 |
| Cost of funding earning assets | 0.4390% | 3,608 |
| Net interest margin | 4.5052% | 732 |
| Noninterest income to average assets | 0.2198% | 4,647 |
| Noninterest expense to average assets | 3.8263% | 646 |
| Loan and lease loss provision to assets | 0.1206% | 1,677 |
| Net operating income to assets | 0.2475% | 5,157 |
| Return on assets (ROA) | 0.2475% | 5,150 |
| Pretax return on assets | 0.3064% | 5,133 |
| Return on Equity (ROE) | 1.6779% | 5,169 |
| Retained earnings to average equity (ytd only) | 1.6779% | 4,682 |
| Net charge-offs to loans | -0.0012% | 4,029 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2250% | 354 |
| Assets per employee ($millions) | 3.5632% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 4,713 |
| Loan loss allowance to noncurrent loans | 46.7855% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2143% | 1,146 |
| Noncurrent loans to loans | 1.6405% | 959 |
| Net loans and leases to total assets | 69.8303% | 2,675 |
| Net loans and leases to deposits | 83.6262% | 2,641 |
| Net loans and leases to core deposits | 84.5156% | 3,119 |
| Total domestic deposits to total assets | 83.5029% | 3,120 |
| Equity capital to assets | 15.0390% | 710 |
| Core capital (leverage) ratio | 15.2741% | 639 |
| Tier 1 risk-based capital ratio | 25.0023% | 756 |
| Total risk-based capital ratio | 25.9007% | 761 |
| Memoranda: | ||
| Average total assets | $149,243,750 | 3,436 |
| Average earning assets | $133,619,500 | 3,484 |
| Average equity | $22,011,000 | 2,917 |
| Average total loans | $106,774,000 | 3,214 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8650% | 1,094 |
| Cost of funding earning assets | 0.4412% | 3,420 |
| Net interest margin | 4.4239% | 807 |
| Noninterest income to average assets | 0.2254% | 4,673 |
| Noninterest expense to average assets | 3.8270% | 653 |
| Loan and lease loss provision to assets | 0.1154% | 1,720 |
| Net operating income to assets | 0.1883% | 5,243 |
| Return on assets (ROA) | 0.1883% | 5,233 |
| Pretax return on assets | 0.2377% | 5,214 |
| Return on Equity (ROE) | 1.2858% | 5,243 |
| Retained earnings to average equity (ytd only) | 1.2858% | 4,694 |
| Net charge-offs to loans | 0.0076% | 2,855 |
| Credit loss provision to net charge-offs | 2,100.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 64.2500% | 954 |
| Efficiency ratio | 90.8284% | 340 |
| Assets per employee ($millions) | 3.7602% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7125% | 4,919 |
| Loan loss allowance to noncurrent loans | 49.8768% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.1341% | 1,291 |
| Noncurrent loans to loans | 1.4285% | 1,184 |
| Net loans and leases to total assets | 71.4739% | 2,366 |
| Net loans and leases to deposits | 85.5973% | 2,361 |
| Net loans and leases to core deposits | 86.5217% | 2,877 |
| Total domestic deposits to total assets | 83.5002% | 3,250 |
| Equity capital to assets | 15.1885% | 653 |
| Core capital (leverage) ratio | 15.6161% | 552 |
| Tier 1 risk-based capital ratio | 24.3654% | 803 |
| Total risk-based capital ratio | 25.1895% | 807 |
| Memoranda: | ||
| Average total assets | $145,544,000 | 3,496 |
| Average earning assets | $130,112,670 | 3,550 |
| Average equity | $21,310,000 | 2,987 |
| Average total loans | $104,754,000 | 3,253 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7410% | 1,206 |
| Cost of funding earning assets | 0.4018% | 3,568 |
| Net interest margin | 4.3392% | 880 |
| Noninterest income to average assets | 0.2239% | 4,675 |
| Noninterest expense to average assets | 3.9210% | 573 |
| Loan and lease loss provision to assets | 0.1091% | 1,713 |
| Net operating income to assets | 0.0689% | 5,346 |
| Return on assets (ROA) | 0.0689% | 5,343 |
| Pretax return on assets | 0.0689% | 5,348 |
| Return on Equity (ROE) | 0.4807% | 5,349 |
| Retained earnings to average equity (ytd only) | 0.4807% | 4,728 |
| Net charge-offs to loans | 0.0199% | 2,100 |
| Credit loss provision to net charge-offs | 760.0000% | 430 |
| Earnings coverage of net charge-offs (x) | 12.4000% | 1,802 |
| Efficiency ratio | 94.9580% | 273 |
| Assets per employee ($millions) | 3.4626% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7652% | 4,877 |
| Loan loss allowance to noncurrent loans | 78.6598% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.7711% | 2,027 |
| Noncurrent loans to loans | 0.9728% | 1,874 |
| Net loans and leases to total assets | 71.4411% | 2,262 |
| Net loans and leases to deposits | 84.8902% | 2,299 |
| Net loans and leases to core deposits | 86.1264% | 2,797 |
| Total domestic deposits to total assets | 84.1570% | 3,263 |
| Equity capital to assets | 14.4351% | 786 |
| Core capital (leverage) ratio | 14.5291% | 753 |
| Tier 1 risk-based capital ratio | 22.5652% | 986 |
| Total risk-based capital ratio | 23.4241% | 1,011 |
| Memoranda: | ||
| Average total assets | $139,351,500 | 3,620 |
| Average earning assets | $124,447,500 | 3,672 |
| Average equity | $19,971,500 | 3,162 |
| Average total loans | $100,287,000 | 3,355 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 2,049 |
| Cost of funding earning assets | 0.3146% | 4,003 |
| Net interest margin | 4.0781% | 1,514 |
| Noninterest income to average assets | 0.2463% | 4,656 |
| Noninterest expense to average assets | 4.1119% | 463 |
| Loan and lease loss provision to assets | 0.1684% | 1,306 |
| Net operating income to assets | -0.5420% | 5,543 |
| Return on assets (ROA) | -0.5420% | 5,542 |
| Pretax return on assets | -0.2547% | 5,510 |
| Return on Equity (ROE) | -3.4977% | 5,502 |
| Retained earnings to average equity (ytd only) | -3.4977% | 5,372 |
| Net charge-offs to loans | 0.0458% | 2,869 |
| Credit loss provision to net charge-offs | 551.7241% | 586 |
| Earnings coverage of net charge-offs (x) | -2.8276% | 4,058 |
| Efficiency ratio | 101.0980% | 158 |
| Assets per employee ($millions) | 3.6895% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 5,020 |
| Loan loss allowance to noncurrent loans | 98.5155% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.5984% | 2,559 |
| Noncurrent loans to loans | 0.7347% | 2,373 |
| Net loans and leases to total assets | 71.4215% | 2,318 |
| Net loans and leases to deposits | 84.8829% | 2,387 |
| Net loans and leases to core deposits | 86.1055% | 2,902 |
| Total domestic deposits to total assets | 84.1412% | 3,153 |
| Equity capital to assets | 14.2297% | 848 |
| Core capital (leverage) ratio | 15.2436% | 577 |
| Tier 1 risk-based capital ratio | 22.4963% | 965 |
| Total risk-based capital ratio | 23.3147% | 990 |
| Memoranda: | ||
| Average total assets | $95,017,800 | 4,328 |
| Average earning assets | $88,055,600 | 4,333 |
| Average equity | $14,723,800 | 3,753 |
| Average total loans | $63,342,800 | 4,119 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 3,265 |
| Cost of funding earning assets | 0.2575% | 4,503 |
| Net interest margin | 3.7674% | 2,514 |
| Noninterest income to average assets | 0.4332% | 3,447 |
| Noninterest expense to average assets | 4.0625% | 484 |
| Loan and lease loss provision to assets | 0.0717% | 2,645 |
| Net operating income to assets | -0.1083% | 5,555 |
| Return on assets (ROA) | -0.1083% | 5,558 |
| Pretax return on assets | -0.1593% | 5,567 |
| Return on Equity (ROE) | -0.6757% | 5,544 |
| Retained earnings to average equity (ytd only) | -0.6757% | 5,315 |
| Net charge-offs to loans | 0.1384% | 1,420 |
| Credit loss provision to net charge-offs | 80.3571% | 2,576 |
| Earnings coverage of net charge-offs (x) | -0.9822% | 3,718 |
| Efficiency ratio | 102.2035% | 155 |
| Assets per employee ($millions) | 3.7021% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 3,424 |
| Loan loss allowance to noncurrent loans | 996.6102% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 4,185 |
| Noncurrent loans to loans | 0.1117% | 4,610 |
| Net loans and leases to total assets | 64.1333% | 3,379 |
| Net loans and leases to deposits | 77.9461% | 3,170 |
| Net loans and leases to core deposits | 78.3553% | 3,601 |
| Total domestic deposits to total assets | 82.2791% | 3,688 |
| Equity capital to assets | 16.4133% | 492 |
| Core capital (leverage) ratio | 16.5190% | 429 |
| Tier 1 risk-based capital ratio | 31.2113% | 438 |
| Total risk-based capital ratio | 32.4607% | 436 |
| Memoranda: | ||
| Average total assets | $83,722,250 | 4,565 |
| Average earning assets | $78,708,750 | 4,525 |
| Average equity | $13,417,250 | 3,970 |
| Average total loans | $53,962,750 | 4,399 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9672% | 3,326 |
| Cost of funding earning assets | 0.2568% | 4,485 |
| Net interest margin | 3.7105% | 2,619 |
| Noninterest income to average assets | 0.4332% | 3,465 |
| Noninterest expense to average assets | 4.0814% | 482 |
| Loan and lease loss provision to assets | 0.0710% | 2,553 |
| Net operating income to assets | -0.1562% | 5,605 |
| Return on assets (ROA) | -0.1562% | 5,606 |
| Pretax return on assets | -0.2296% | 5,616 |
| Return on Equity (ROE) | -0.9826% | 5,591 |
| Retained earnings to average equity (ytd only) | -0.9826% | 5,231 |
| Net charge-offs to loans | -0.0037% | 4,272 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0435% | 150 |
| Assets per employee ($millions) | 3.7188% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 3,208 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 4,047 |
| Noncurrent loans to loans | 0.2592% | 4,111 |
| Net loans and leases to total assets | 65.2390% | 3,223 |
| Net loans and leases to deposits | 79.1031% | 3,011 |
| Net loans and leases to core deposits | 79.5155% | 3,455 |
| Total domestic deposits to total assets | 82.4734% | 3,738 |
| Equity capital to assets | 16.3409% | 493 |
| Core capital (leverage) ratio | 16.0287% | 473 |
| Tier 1 risk-based capital ratio | 30.8065% | 438 |
| Total risk-based capital ratio | 32.0584% | 438 |
| Memoranda: | ||
| Average total assets | $84,481,000 | 4,586 |
| Average earning assets | $79,451,000 | 4,542 |
| Average equity | $13,433,670 | 3,970 |
| Average total loans | $54,343,000 | 4,405 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8643% | 3,530 |
| Cost of funding earning assets | 0.2573% | 4,477 |
| Net interest margin | 3.6070% | 2,866 |
| Noninterest income to average assets | 0.4288% | 3,455 |
| Noninterest expense to average assets | 3.3094% | 1,369 |
| Loan and lease loss provision to assets | 0.0699% | 2,411 |
| Net operating income to assets | 0.2843% | 5,230 |
| Return on assets (ROA) | 0.2843% | 5,244 |
| Pretax return on assets | 0.4475% | 5,066 |
| Return on Equity (ROE) | 1.8120% | 5,365 |
| Retained earnings to average equity (ytd only) | 1.8120% | 4,392 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4799% | 765 |
| Assets per employee ($millions) | 3.9143% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 3,567 |
| Loan loss allowance to noncurrent loans | 426.3889% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 4,241 |
| Noncurrent loans to loans | 0.2633% | 4,168 |
| Net loans and leases to total assets | 62.8051% | 3,427 |
| Net loans and leases to deposits | 75.5258% | 3,253 |
| Net loans and leases to core deposits | 76.1736% | 3,638 |
| Total domestic deposits to total assets | 83.1572% | 3,781 |
| Equity capital to assets | 15.6734% | 547 |
| Core capital (leverage) ratio | 15.7881% | 489 |
| Tier 1 risk-based capital ratio | 30.1851% | 473 |
| Total risk-based capital ratio | 31.4362% | 473 |
| Memoranda: | ||
| Average total assets | $85,815,000 | 4,605 |
| Average earning assets | $80,842,000 | 4,569 |
| Average equity | $13,466,000 | 3,993 |
| Average total loans | $54,512,500 | 4,439 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,325 |
| Cost of funding earning assets | 0.2722% | 4,339 |
| Net interest margin | 3.6938% | 2,718 |
| Noninterest income to average assets | 0.3353% | 4,336 |
| Noninterest expense to average assets | 3.4310% | 1,290 |
| Loan and lease loss provision to assets | 0.0708% | 2,945 |
| Net operating income to assets | 0.2043% | 5,410 |
| Return on assets (ROA) | 0.2043% | 5,465 |
| Pretax return on assets | 0.3105% | 5,349 |
| Return on Equity (ROE) | 1.2958% | 5,518 |
| Retained earnings to average equity (ytd only) | 1.2958% | 4,765 |
| Net charge-offs to loans | 0.1900% | 1,459 |
| Credit loss provision to net charge-offs | 58.8235% | 3,264 |
| Earnings coverage of net charge-offs (x) | 3.1667% | 3,714 |
| Efficiency ratio | 89.9969% | 551 |
| Assets per employee ($millions) | 4.2758% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 3,696 |
| Loan loss allowance to noncurrent loans | 394.0789% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 3,997 |
| Noncurrent loans to loans | 0.2798% | 4,156 |
| Net loans and leases to total assets | 62.8280% | 3,497 |
| Net loans and leases to deposits | 75.5721% | 3,365 |
| Net loans and leases to core deposits | 76.2251% | 3,732 |
| Total domestic deposits to total assets | 83.1365% | 3,726 |
| Equity capital to assets | 15.7105% | 533 |
| Core capital (leverage) ratio | 15.7010% | 499 |
| Tier 1 risk-based capital ratio | 30.1855% | 472 |
| Total risk-based capital ratio | 31.4360% | 469 |
| Memoranda: | ||
| Average total assets | $84,698,600 | 4,633 |
| Average earning assets | $79,728,600 | 4,593 |
| Average equity | $13,350,800 | 4,049 |
| Average total loans | $53,691,800 | 4,467 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9667% | 3,338 |
| Cost of funding earning assets | 0.2716% | 4,371 |
| Net interest margin | 3.6951% | 2,733 |
| Noninterest income to average assets | 0.3456% | 4,311 |
| Noninterest expense to average assets | 3.4463% | 1,255 |
| Loan and lease loss provision to assets | 0.0710% | 2,791 |
| Net operating income to assets | 0.2020% | 5,459 |
| Return on assets (ROA) | 0.2020% | 5,523 |
| Pretax return on assets | 0.3061% | 5,453 |
| Return on Equity (ROE) | 1.2803% | 5,606 |
| Retained earnings to average equity (ytd only) | 1.2803% | 4,998 |
| Net charge-offs to loans | 0.2266% | 1,037 |
| Credit loss provision to net charge-offs | 49.4505% | 3,042 |
| Earnings coverage of net charge-offs (x) | 2.6264% | 3,543 |
| Efficiency ratio | 90.1362% | 550 |
| Assets per employee ($millions) | 4.3784% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 3,811 |
| Loan loss allowance to noncurrent loans | 319.8925% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 3,851 |
| Noncurrent loans to loans | 0.3451% | 4,016 |
| Net loans and leases to total assets | 60.8636% | 3,762 |
| Net loans and leases to deposits | 72.8698% | 3,714 |
| Net loans and leases to core deposits | 73.4807% | 4,041 |
| Total domestic deposits to total assets | 83.5237% | 3,390 |
| Equity capital to assets | 15.2910% | 673 |
| Core capital (leverage) ratio | 15.2451% | 586 |
| Tier 1 risk-based capital ratio | 30.3412% | 467 |
| Total risk-based capital ratio | 31.5934% | 464 |
| Memoranda: | ||
| Average total assets | $84,494,250 | 4,674 |
| Average earning assets | $79,526,750 | 4,632 |
| Average equity | $13,329,750 | 4,077 |
| Average total loans | $53,533,000 | 4,504 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9849% | 3,291 |
| Cost of funding earning assets | 0.2699% | 4,438 |
| Net interest margin | 3.7150% | 2,637 |
| Noninterest income to average assets | 0.3450% | 4,312 |
| Noninterest expense to average assets | 3.4360% | 1,302 |
| Loan and lease loss provision to assets | 0.0719% | 2,698 |
| Net operating income to assets | 0.2204% | 5,489 |
| Return on assets (ROA) | 0.2204% | 5,548 |
| Pretax return on assets | 0.3331% | 5,446 |
| Return on Equity (ROE) | 1.3825% | 5,629 |
| Retained earnings to average equity (ytd only) | 1.3825% | 4,828 |
| Net charge-offs to loans | 0.2359% | 999 |
| Credit loss provision to net charge-offs | 47.6190% | 2,695 |
| Earnings coverage of net charge-offs (x) | 2.6825% | 3,233 |
| Efficiency ratio | 89.4573% | 628 |
| Assets per employee ($millions) | 4.1075% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,757 |
| Loan loss allowance to noncurrent loans | 265.5022% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 3,754 |
| Noncurrent loans to loans | 0.4272% | 3,823 |
| Net loans and leases to total assets | 61.4401% | 3,692 |
| Net loans and leases to deposits | 73.6724% | 3,633 |
| Net loans and leases to core deposits | 74.3004% | 3,956 |
| Total domestic deposits to total assets | 83.3963% | 3,502 |
| Equity capital to assets | 15.4826% | 628 |
| Core capital (leverage) ratio | 15.5216% | 526 |
| Tier 1 risk-based capital ratio | 30.7037% | 468 |
| Total risk-based capital ratio | 31.9560% | 462 |
| Memoranda: | ||
| Average total assets | $83,469,670 | 4,731 |
| Average earning assets | $78,547,330 | 4,688 |
| Average equity | $13,309,670 | 4,106 |
| Average total loans | $53,413,330 | 4,543 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0375% | 3,079 |
| Cost of funding earning assets | 0.2743% | 4,449 |
| Net interest margin | 3.7631% | 2,428 |
| Noninterest income to average assets | 0.3509% | 4,216 |
| Noninterest expense to average assets | 3.4602% | 1,258 |
| Loan and lease loss provision to assets | 0.0731% | 2,496 |
| Net operating income to assets | 0.2388% | 5,454 |
| Return on assets (ROA) | 0.2388% | 5,519 |
| Pretax return on assets | 0.3606% | 5,377 |
| Return on Equity (ROE) | 1.4751% | 5,623 |
| Retained earnings to average equity (ytd only) | 1.4751% | 4,678 |
| Net charge-offs to loans | 0.0825% | 1,669 |
| Credit loss provision to net charge-offs | 136.3636% | 1,331 |
| Earnings coverage of net charge-offs (x) | 8.0909% | 2,087 |
| Efficiency ratio | 88.8611% | 757 |
| Assets per employee ($millions) | 3.9478% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 3,399 |
| Loan loss allowance to noncurrent loans | 724.7191% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 4,280 |
| Noncurrent loans to loans | 0.1675% | 4,823 |
| Net loans and leases to total assets | 63.3246% | 3,340 |
| Net loans and leases to deposits | 76.4230% | 3,170 |
| Net loans and leases to core deposits | 77.1054% | 3,581 |
| Total domestic deposits to total assets | 82.8607% | 3,946 |
| Equity capital to assets | 16.0573% | 524 |
| Core capital (leverage) ratio | 16.2435% | 444 |
| Tier 1 risk-based capital ratio | 31.6033% | 446 |
| Total risk-based capital ratio | 32.8563% | 439 |
| Memoranda: | ||
| Average total assets | $82,075,500 | 4,816 |
| Average earning assets | $77,276,000 | 4,762 |
| Average equity | $13,287,000 | 4,117 |
| Average total loans | $53,317,500 | 4,581 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 2,114 |
| Cost of funding earning assets | 0.2853% | 4,411 |
| Net interest margin | 4.0468% | 1,571 |
| Noninterest income to average assets | 0.3096% | 4,675 |
| Noninterest expense to average assets | 3.4336% | 1,428 |
| Loan and lease loss provision to assets | 0.1591% | 1,457 |
| Net operating income to assets | 0.3390% | 5,243 |
| Return on assets (ROA) | 0.3390% | 5,333 |
| Pretax return on assets | 0.5176% | 5,071 |
| Return on Equity (ROE) | 2.1113% | 5,546 |
| Retained earnings to average equity (ytd only) | 2.1113% | 4,521 |
| Net charge-offs to loans | 0.3674% | 792 |
| Credit loss provision to net charge-offs | 64.0394% | 3,211 |
| Earnings coverage of net charge-offs (x) | 2.7241% | 3,841 |
| Efficiency ratio | 83.5368% | 1,221 |
| Assets per employee ($millions) | 3.8690% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 3,500 |
| Loan loss allowance to noncurrent loans | 424.5033% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 3,976 |
| Noncurrent loans to loans | 0.2823% | 4,452 |
| Net loans and leases to total assets | 65.0490% | 3,114 |
| Net loans and leases to deposits | 78.9823% | 2,941 |
| Net loans and leases to core deposits | 79.7053% | 3,379 |
| Total domestic deposits to total assets | 82.3590% | 4,069 |
| Equity capital to assets | 16.3229% | 487 |
| Core capital (leverage) ratio | 15.9941% | 467 |
| Tier 1 risk-based capital ratio | 31.2465% | 457 |
| Total risk-based capital ratio | 32.4995% | 447 |
| Memoranda: | ||
| Average total assets | $81,722,200 | 4,833 |
| Average earning assets | $76,751,600 | 4,792 |
| Average equity | $13,119,800 | 4,119 |
| Average total loans | $55,258,800 | 4,519 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3665% | 2,026 |
| Cost of funding earning assets | 0.2862% | 4,491 |
| Net interest margin | 4.0803% | 1,458 |
| Noninterest income to average assets | 0.3258% | 4,609 |
| Noninterest expense to average assets | 3.4179% | 1,443 |
| Loan and lease loss provision to assets | 0.2118% | 917 |
| Net operating income to assets | 0.3486% | 5,317 |
| Return on assets (ROA) | 0.3486% | 5,403 |
| Pretax return on assets | 0.5278% | 5,154 |
| Return on Equity (ROE) | 2.1807% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.1807% | 4,798 |
| Net charge-offs to loans | 0.3279% | 806 |
| Credit loss provision to net charge-offs | 94.8905% | 2,392 |
| Earnings coverage of net charge-offs (x) | 3.3139% | 3,518 |
| Efficiency ratio | 82.2100% | 1,364 |
| Assets per employee ($millions) | 4.1494% | 3,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 3,138 |
| Loan loss allowance to noncurrent loans | 636.9369% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 4,154 |
| Noncurrent loans to loans | 0.2029% | 4,838 |
| Net loans and leases to total assets | 65.0608% | 3,143 |
| Net loans and leases to deposits | 78.6139% | 3,034 |
| Net loans and leases to core deposits | 79.3149% | 3,480 |
| Total domestic deposits to total assets | 82.7600% | 3,897 |
| Equity capital to assets | 15.9049% | 573 |
| Core capital (leverage) ratio | 15.8831% | 504 |
| Tier 1 risk-based capital ratio | 30.2611% | 509 |
| Total risk-based capital ratio | 31.5151% | 501 |
| Memoranda: | ||
| Average total assets | $81,840,750 | 4,887 |
| Average earning assets | $76,856,000 | 4,850 |
| Average equity | $13,084,250 | 4,167 |
| Average total loans | $55,700,500 | 4,549 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 1,787 |
| Cost of funding earning assets | 0.2825% | 4,583 |
| Net interest margin | 4.1376% | 1,257 |
| Noninterest income to average assets | 0.3265% | 4,612 |
| Noninterest expense to average assets | 3.4250% | 1,430 |
| Loan and lease loss provision to assets | 0.2946% | 530 |
| Net operating income to assets | 0.3241% | 5,372 |
| Return on assets (ROA) | 0.3241% | 5,469 |
| Pretax return on assets | 0.4910% | 5,252 |
| Return on Equity (ROE) | 2.0236% | 5,676 |
| Retained earnings to average equity (ytd only) | 2.0236% | 4,687 |
| Net charge-offs to loans | 0.2320% | 1,118 |
| Credit loss provision to net charge-offs | 184.6154% | 1,319 |
| Earnings coverage of net charge-offs (x) | 4.9231% | 2,979 |
| Efficiency ratio | 81.3411% | 1,581 |
| Assets per employee ($millions) | 4.3548% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 2,780 |
| Loan loss allowance to noncurrent loans | 244.9045% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 3,983 |
| Noncurrent loans to loans | 0.5698% | 3,741 |
| Net loans and leases to total assets | 65.6740% | 3,011 |
| Net loans and leases to deposits | 79.1828% | 2,886 |
| Net loans and leases to core deposits | 80.7118% | 3,304 |
| Total domestic deposits to total assets | 82.9397% | 3,976 |
| Equity capital to assets | 15.8529% | 542 |
| Core capital (leverage) ratio | 15.8457% | 488 |
| Tier 1 risk-based capital ratio | 30.2230% | 533 |
| Total risk-based capital ratio | 31.4788% | 524 |
| Memoranda: | ||
| Average total assets | $81,458,670 | 4,945 |
| Average earning assets | $76,469,000 | 4,910 |
| Average equity | $13,046,000 | 4,200 |
| Average total loans | $56,034,330 | 4,586 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 1,438 |
| Cost of funding earning assets | 0.2853% | 4,607 |
| Net interest margin | 4.2209% | 1,020 |
| Noninterest income to average assets | 0.3069% | 4,732 |
| Noninterest expense to average assets | 3.5537% | 1,203 |
| Loan and lease loss provision to assets | 0.3267% | 418 |
| Net operating income to assets | 0.2524% | 5,558 |
| Return on assets (ROA) | 0.2524% | 5,649 |
| Pretax return on assets | 0.3811% | 5,464 |
| Return on Equity (ROE) | 1.5680% | 5,786 |
| Retained earnings to average equity (ytd only) | 1.5680% | 4,847 |
| Net charge-offs to loans | 0.3540% | 693 |
| Credit loss provision to net charge-offs | 132.0000% | 1,359 |
| Earnings coverage of net charge-offs (x) | 2.8600% | 2,689 |
| Efficiency ratio | 83.3914% | 1,443 |
| Assets per employee ($millions) | 3.9171% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 3,317 |
| Loan loss allowance to noncurrent loans | 223.2416% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 3,919 |
| Noncurrent loans to loans | 0.5896% | 3,809 |
| Net loans and leases to total assets | 66.5317% | 2,686 |
| Net loans and leases to deposits | 80.0752% | 2,550 |
| Net loans and leases to core deposits | 82.3947% | 2,921 |
| Total domestic deposits to total assets | 83.0866% | 4,155 |
| Equity capital to assets | 15.8473% | 563 |
| Core capital (leverage) ratio | 16.2260% | 439 |
| Tier 1 risk-based capital ratio | 31.1667% | 489 |
| Total risk-based capital ratio | 32.4221% | 485 |
| Memoranda: | ||
| Average total assets | $80,817,000 | 5,011 |
| Average earning assets | $75,718,000 | 4,976 |
| Average equity | $13,010,500 | 4,235 |
| Average total loans | $56,497,000 | 4,588 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7593% | 1,191 |
| Cost of funding earning assets | 0.3202% | 4,579 |
| Net interest margin | 4.4391% | 834 |
| Noninterest income to average assets | 0.2734% | 5,165 |
| Noninterest expense to average assets | 3.5917% | 1,327 |
| Loan and lease loss provision to assets | 0.3613% | 518 |
| Net operating income to assets | 0.2686% | 5,601 |
| Return on assets (ROA) | 0.2686% | 5,672 |
| Pretax return on assets | 0.4119% | 5,451 |
| Return on Equity (ROE) | 1.7292% | 5,840 |
| Retained earnings to average equity (ytd only) | 1.7292% | 4,955 |
| Net charge-offs to loans | 0.5932% | 671 |
| Credit loss provision to net charge-offs | 85.2273% | 2,755 |
| Earnings coverage of net charge-offs (x) | 1.8239% | 4,329 |
| Efficiency ratio | 82.2848% | 1,632 |
| Assets per employee ($millions) | 3.7797% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 3,764 |
| Loan loss allowance to noncurrent loans | 189.3899% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 3,237 |
| Noncurrent loans to loans | 0.6553% | 3,718 |
| Net loans and leases to total assets | 71.5864% | 1,975 |
| Net loans and leases to deposits | 86.8278% | 1,864 |
| Net loans and leases to core deposits | 89.4551% | 2,337 |
| Total domestic deposits to total assets | 82.4464% | 4,269 |
| Equity capital to assets | 16.3593% | 493 |
| Core capital (leverage) ratio | 16.2833% | 442 |
| Tier 1 risk-based capital ratio | 28.9848% | 567 |
| Total risk-based capital ratio | 30.2395% | 547 |
| Memoranda: | ||
| Average total assets | $83,025,600 | 4,987 |
| Average earning assets | $76,524,200 | 4,967 |
| Average equity | $12,895,800 | 4,210 |
| Average total loans | $59,334,600 | 4,505 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 1,075 |
| Cost of funding earning assets | 0.3266% | 4,598 |
| Net interest margin | 4.4919% | 749 |
| Noninterest income to average assets | 0.2653% | 5,307 |
| Noninterest expense to average assets | 3.5978% | 1,302 |
| Loan and lease loss provision to assets | 0.3574% | 490 |
| Net operating income to assets | 0.2891% | 5,623 |
| Return on assets (ROA) | 0.2891% | 5,692 |
| Pretax return on assets | 0.4384% | 5,502 |
| Return on Equity (ROE) | 1.8850% | 5,866 |
| Retained earnings to average equity (ytd only) | 1.8850% | 5,113 |
| Net charge-offs to loans | 0.5531% | 686 |
| Credit loss provision to net charge-offs | 90.7258% | 2,414 |
| Earnings coverage of net charge-offs (x) | 2.0201% | 4,015 |
| Efficiency ratio | 81.8872% | 1,636 |
| Assets per employee ($millions) | 3.9255% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 3,711 |
| Loan loss allowance to noncurrent loans | 169.2483% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8867% | 3,220 |
| Noncurrent loans to loans | 0.7607% | 3,697 |
| Net loans and leases to total assets | 69.1057% | 2,347 |
| Net loans and leases to deposits | 83.1067% | 2,274 |
| Net loans and leases to core deposits | 85.5003% | 2,718 |
| Total domestic deposits to total assets | 83.1530% | 4,077 |
| Equity capital to assets | 15.7031% | 606 |
| Core capital (leverage) ratio | 15.6243% | 522 |
| Tier 1 risk-based capital ratio | 28.9918% | 580 |
| Total risk-based capital ratio | 30.1363% | 577 |
| Memoranda: | ||
| Average total assets | $83,938,500 | 5,017 |
| Average earning assets | $77,145,000 | 5,001 |
| Average equity | $12,873,500 | 4,244 |
| Average total loans | $59,784,500 | 4,533 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 999 |
| Cost of funding earning assets | 0.3350% | 4,585 |
| Net interest margin | 4.5096% | 690 |
| Noninterest income to average assets | 0.2653% | 5,306 |
| Noninterest expense to average assets | 3.4297% | 1,618 |
| Loan and lease loss provision to assets | 0.3553% | 501 |
| Net operating income to assets | 0.4121% | 5,169 |
| Return on assets (ROA) | 0.4121% | 5,251 |
| Pretax return on assets | 0.6253% | 4,871 |
| Return on Equity (ROE) | 2.7082% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.7082% | 4,477 |
| Net charge-offs to loans | 0.5655% | 724 |
| Credit loss provision to net charge-offs | 87.7193% | 2,221 |
| Earnings coverage of net charge-offs (x) | 2.4211% | 3,550 |
| Efficiency ratio | 77.7658% | 2,326 |
| Assets per employee ($millions) | 4.0621% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 4,111 |
| Loan loss allowance to noncurrent loans | 147.2332% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.9132% | 3,260 |
| Noncurrent loans to loans | 0.8538% | 3,569 |
| Net loans and leases to total assets | 68.6041% | 2,310 |
| Net loans and leases to deposits | 82.2643% | 2,220 |
| Net loans and leases to core deposits | 84.9709% | 2,623 |
| Total domestic deposits to total assets | 83.3947% | 4,155 |
| Equity capital to assets | 15.1646% | 665 |
| Core capital (leverage) ratio | 15.0830% | 595 |
| Tier 1 risk-based capital ratio | 27.8008% | 656 |
| Total risk-based capital ratio | 29.0574% | 641 |
| Memoranda: | ||
| Average total assets | $84,439,330 | 5,049 |
| Average earning assets | $77,612,000 | 5,029 |
| Average equity | $12,849,670 | 4,252 |
| Average total loans | $60,475,670 | 4,532 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9103% | 855 |
| Cost of funding earning assets | 0.3670% | 4,353 |
| Net interest margin | 4.5433% | 609 |
| Noninterest income to average assets | 0.2571% | 5,297 |
| Noninterest expense to average assets | 3.4426% | 1,604 |
| Loan and lease loss provision to assets | 0.3571% | 492 |
| Net operating income to assets | 0.4238% | 5,027 |
| Return on assets (ROA) | 0.4238% | 5,092 |
| Pretax return on assets | 0.6428% | 4,689 |
| Return on Equity (ROE) | 2.7798% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.7798% | 4,421 |
| Net charge-offs to loans | 0.4584% | 791 |
| Credit loss provision to net charge-offs | 107.1429% | 1,563 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,747 |
| Efficiency ratio | 77.4920% | 2,556 |
| Assets per employee ($millions) | 4.0438% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 4,226 |
| Loan loss allowance to noncurrent loans | 185.7831% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 3,504 |
| Noncurrent loans to loans | 0.6889% | 4,148 |
| Net loans and leases to total assets | 70.0279% | 1,880 |
| Net loans and leases to deposits | 83.9325% | 1,827 |
| Net loans and leases to core deposits | 86.7018% | 2,239 |
| Total domestic deposits to total assets | 83.4336% | 4,470 |
| Equity capital to assets | 15.1332% | 646 |
| Core capital (leverage) ratio | 15.0472% | 598 |
| Tier 1 risk-based capital ratio | 27.2809% | 694 |
| Total risk-based capital ratio | 28.5375% | 679 |
| Memoranda: | ||
| Average total assets | $84,007,000 | 5,113 |
| Average earning assets | $77,388,500 | 5,079 |
| Average equity | $12,806,500 | 4,272 |
| Average total loans | $61,080,000 | 4,547 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2597% | 570 |
| Cost of funding earning assets | 0.4621% | 3,996 |
| Net interest margin | 4.7976% | 433 |
| Noninterest income to average assets | 0.1936% | 5,931 |
| Noninterest expense to average assets | 3.9030% | 989 |
| Loan and lease loss provision to assets | 0.3918% | 769 |
| Net operating income to assets | 0.2097% | 5,796 |
| Return on assets (ROA) | 0.2097% | 5,860 |
| Pretax return on assets | 0.2892% | 5,761 |
| Return on Equity (ROE) | 1.4484% | 5,995 |
| Retained earnings to average equity (ytd only) | 1.4484% | 5,168 |
| Net charge-offs to loans | 0.6379% | 1,018 |
| Credit loss provision to net charge-offs | 82.7251% | 2,966 |
| Earnings coverage of net charge-offs (x) | 1.4380% | 4,573 |
| Efficiency ratio | 85.1433% | 1,502 |
| Assets per employee ($millions) | 3.9569% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 4,455 |
| Loan loss allowance to noncurrent loans | 134.1506% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 1.1132% | 3,178 |
| Noncurrent loans to loans | 0.9221% | 3,685 |
| Net loans and leases to total assets | 73.5977% | 1,421 |
| Net loans and leases to deposits | 88.6589% | 1,390 |
| Net loans and leases to core deposits | 92.1802% | 1,783 |
| Total domestic deposits to total assets | 83.0122% | 4,541 |
| Equity capital to assets | 15.3583% | 610 |
| Core capital (leverage) ratio | 15.2655% | 574 |
| Tier 1 risk-based capital ratio | 26.7467% | 707 |
| Total risk-based capital ratio | 28.0027% | 690 |
| Memoranda: | ||
| Average total assets | $86,780,400 | 5,058 |
| Average earning assets | $79,414,800 | 5,053 |
| Average equity | $12,565,800 | 4,339 |
| Average total loans | $64,429,600 | 4,467 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2683% | 557 |
| Cost of funding earning assets | 0.4792% | 3,971 |
| Net interest margin | 4.7890% | 439 |
| Noninterest income to average assets | 0.2280% | 5,800 |
| Noninterest expense to average assets | 3.5711% | 1,455 |
| Loan and lease loss provision to assets | 0.4257% | 686 |
| Net operating income to assets | 0.3998% | 5,244 |
| Return on assets (ROA) | 0.3998% | 5,378 |
| Pretax return on assets | 0.6066% | 4,990 |
| Return on Equity (ROE) | 2.8015% | 5,680 |
| Retained earnings to average equity (ytd only) | 2.8015% | 4,645 |
| Net charge-offs to loans | 0.5247% | 1,229 |
| Credit loss provision to net charge-offs | 109.3750% | 2,148 |
| Earnings coverage of net charge-offs (x) | 2.6524% | 3,951 |
| Efficiency ratio | 77.5760% | 2,475 |
| Assets per employee ($millions) | 3.9077% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 4,027 |
| Loan loss allowance to noncurrent loans | 156.5455% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.9736% | 3,711 |
| Noncurrent loans to loans | 0.8754% | 4,066 |
| Net loans and leases to total assets | 72.0833% | 1,586 |
| Net loans and leases to deposits | 86.3236% | 1,579 |
| Net loans and leases to core deposits | 90.0086% | 1,965 |
| Total domestic deposits to total assets | 83.5035% | 4,376 |
| Equity capital to assets | 14.7179% | 769 |
| Core capital (leverage) ratio | 14.8359% | 665 |
| Tier 1 risk-based capital ratio | 26.3246% | 762 |
| Total risk-based capital ratio | 27.5810% | 744 |
| Memoranda: | ||
| Average total assets | $87,701,750 | 5,081 |
| Average earning assets | $80,125,750 | 5,088 |
| Average equity | $12,516,750 | 4,393 |
| Average total loans | $65,056,500 | 4,484 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3026% | 523 |
| Cost of funding earning assets | 0.4919% | 3,971 |
| Net interest margin | 4.8107% | 425 |
| Noninterest income to average assets | 0.2605% | 5,595 |
| Noninterest expense to average assets | 3.6090% | 1,402 |
| Loan and lease loss provision to assets | 0.4758% | 591 |
| Net operating income to assets | 0.3851% | 5,266 |
| Return on assets (ROA) | 0.3851% | 5,431 |
| Pretax return on assets | 0.5845% | 5,080 |
| Return on Equity (ROE) | 2.7263% | 5,712 |
| Retained earnings to average equity (ytd only) | 2.7263% | 4,578 |
| Net charge-offs to loans | 0.6900% | 951 |
| Credit loss provision to net charge-offs | 92.5110% | 2,383 |
| Earnings coverage of net charge-offs (x) | 2.0617% | 3,831 |
| Efficiency ratio | 77.2926% | 2,575 |
| Assets per employee ($millions) | 3.8593% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 4,555 |
| Loan loss allowance to noncurrent loans | 110.6757% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 1.2426% | 3,269 |
| Noncurrent loans to loans | 1.1668% | 3,605 |
| Net loans and leases to total assets | 70.5275% | 1,797 |
| Net loans and leases to deposits | 83.8104% | 1,824 |
| Net loans and leases to core deposits | 87.6375% | 2,148 |
| Total domestic deposits to total assets | 84.1512% | 4,258 |
| Equity capital to assets | 14.1510% | 919 |
| Core capital (leverage) ratio | 14.2530% | 760 |
| Tier 1 risk-based capital ratio | 25.4292% | 829 |
| Total risk-based capital ratio | 26.6850% | 809 |
| Memoranda: | ||
| Average total assets | $88,279,000 | 5,099 |
| Average earning assets | $80,903,670 | 5,093 |
| Average equity | $12,471,330 | 4,431 |
| Average total loans | $65,798,330 | 4,473 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3391% | 467 |
| Cost of funding earning assets | 0.5384% | 3,692 |
| Net interest margin | 4.8007% | 403 |
| Noninterest income to average assets | 0.2908% | 5,379 |
| Noninterest expense to average assets | 3.7348% | 1,194 |
| Loan and lease loss provision to assets | 0.4771% | 572 |
| Net operating income to assets | 0.3271% | 5,458 |
| Return on assets (ROA) | 0.3271% | 5,593 |
| Pretax return on assets | 0.4952% | 5,278 |
| Return on Equity (ROE) | 2.3176% | 5,842 |
| Retained earnings to average equity (ytd only) | 2.3176% | 4,868 |
| Net charge-offs to loans | 0.7942% | 770 |
| Credit loss provision to net charge-offs | 78.9474% | 2,166 |
| Earnings coverage of net charge-offs (x) | 1.6090% | 3,295 |
| Efficiency ratio | 79.3436% | 2,420 |
| Assets per employee ($millions) | 3.8945% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 4,992 |
| Loan loss allowance to noncurrent loans | 73.8139% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.9973% | 2,348 |
| Noncurrent loans to loans | 1.6819% | 3,021 |
| Net loans and leases to total assets | 71.8475% | 1,376 |
| Net loans and leases to deposits | 85.1653% | 1,450 |
| Net loans and leases to core deposits | 88.9952% | 1,808 |
| Total domestic deposits to total assets | 84.3625% | 4,327 |
| Equity capital to assets | 13.9127% | 1,061 |
| Core capital (leverage) ratio | 14.0009% | 798 |
| Tier 1 risk-based capital ratio | 24.4504% | 961 |
| Total risk-based capital ratio | 25.7234% | 940 |
| Memoranda: | ||
| Average total assets | $88,036,500 | 5,149 |
| Average earning assets | $80,988,000 | 5,123 |
| Average equity | $12,426,500 | 4,489 |
| Average total loans | $66,986,500 | 4,456 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9156% | 303 |
| Cost of funding earning assets | 0.6875% | 3,590 |
| Net interest margin | 5.2282% | 259 |
| Noninterest income to average assets | 0.2952% | 5,355 |
| Noninterest expense to average assets | 3.7813% | 1,288 |
| Loan and lease loss provision to assets | 0.6539% | 814 |
| Net operating income to assets | 0.4163% | 5,025 |
| Return on assets (ROA) | 0.4163% | 5,286 |
| Pretax return on assets | 0.6308% | 4,888 |
| Return on Equity (ROE) | 2.9297% | 5,574 |
| Retained earnings to average equity (ytd only) | 2.9297% | 4,164 |
| Net charge-offs to loans | 0.9403% | 1,181 |
| Credit loss provision to net charge-offs | 84.5007% | 3,678 |
| Earnings coverage of net charge-offs (x) | 1.6602% | 4,609 |
| Efficiency ratio | 73.5033% | 3,154 |
| Assets per employee ($millions) | 3.6042% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 5,036 |
| Loan loss allowance to noncurrent loans | 79.9427% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.7260% | 2,808 |
| Noncurrent loans to loans | 1.5216% | 3,325 |
| Net loans and leases to total assets | 78.5792% | 613 |
| Net loans and leases to deposits | 93.8489% | 761 |
| Net loans and leases to core deposits | 98.2424% | 1,131 |
| Total domestic deposits to total assets | 83.7295% | 4,424 |
| Equity capital to assets | 14.3249% | 929 |
| Core capital (leverage) ratio | 14.4050% | 694 |
| Tier 1 risk-based capital ratio | 23.8364% | 990 |
| Total risk-based capital ratio | 25.0915% | 968 |
| Memoranda: | ||
| Average total assets | $86,716,600 | 5,169 |
| Average earning assets | $79,129,200 | 5,155 |
| Average equity | $12,322,200 | 4,497 |
| Average total loans | $71,363,400 | 4,306 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0618% | 264 |
| Cost of funding earning assets | 0.7158% | 3,626 |
| Net interest margin | 5.3460% | 222 |
| Noninterest income to average assets | 0.3027% | 5,363 |
| Noninterest expense to average assets | 3.6939% | 1,372 |
| Loan and lease loss provision to assets | 0.5762% | 995 |
| Net operating income to assets | 0.5854% | 4,458 |
| Return on assets (ROA) | 0.5854% | 4,733 |
| Pretax return on assets | 0.8866% | 4,171 |
| Return on Equity (ROE) | 4.1283% | 5,243 |
| Retained earnings to average equity (ytd only) | 4.1283% | 3,999 |
| Net charge-offs to loans | 0.8944% | 1,224 |
| Credit loss provision to net charge-offs | 77.6398% | 3,688 |
| Earnings coverage of net charge-offs (x) | 1.9710% | 4,278 |
| Efficiency ratio | 70.5006% | 3,595 |
| Assets per employee ($millions) | 3.5016% | 4,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 5,316 |
| Loan loss allowance to noncurrent loans | 77.0583% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.8963% | 2,789 |
| Noncurrent loans to loans | 1.5481% | 3,466 |
| Net loans and leases to total assets | 78.8140% | 634 |
| Net loans and leases to deposits | 94.1935% | 779 |
| Net loans and leases to core deposits | 98.5333% | 1,226 |
| Total domestic deposits to total assets | 83.6724% | 4,366 |
| Equity capital to assets | 14.2634% | 1,057 |
| Core capital (leverage) ratio | 14.2439% | 761 |
| Tier 1 risk-based capital ratio | 23.4394% | 1,103 |
| Total risk-based capital ratio | 24.6351% | 1,093 |
| Memoranda: | ||
| Average total assets | $86,770,750 | 5,216 |
| Average earning assets | $78,786,500 | 5,215 |
| Average equity | $12,305,000 | 4,540 |
| Average total loans | $72,002,250 | 4,324 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1554% | 236 |
| Cost of funding earning assets | 0.7463% | 3,631 |
| Net interest margin | 5.4091% | 209 |
| Noninterest income to average assets | 0.3005% | 5,403 |
| Noninterest expense to average assets | 3.7057% | 1,358 |
| Loan and lease loss provision to assets | 0.5548% | 1,106 |
| Net operating income to assets | 0.6380% | 4,183 |
| Return on assets (ROA) | 0.6380% | 4,426 |
| Pretax return on assets | 0.9663% | 3,834 |
| Return on Equity (ROE) | 4.5081% | 5,036 |
| Retained earnings to average equity (ytd only) | 4.5081% | 3,603 |
| Net charge-offs to loans | 0.7205% | 1,535 |
| Credit loss provision to net charge-offs | 91.6031% | 2,992 |
| Earnings coverage of net charge-offs (x) | 2.5115% | 3,757 |
| Efficiency ratio | 69.7921% | 3,800 |
| Assets per employee ($millions) | 3.4022% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 4,982 |
| Loan loss allowance to noncurrent loans | 96.8388% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.5319% | 3,401 |
| Noncurrent loans to loans | 1.3220% | 3,934 |
| Net loans and leases to total assets | 83.3169% | 246 |
| Net loans and leases to deposits | 100.7277% | 393 |
| Net loans and leases to core deposits | 105.9916% | 743 |
| Total domestic deposits to total assets | 82.7149% | 4,871 |
| Equity capital to assets | 14.5563% | 903 |
| Core capital (leverage) ratio | 14.5247% | 689 |
| Tier 1 risk-based capital ratio | 23.2813% | 1,100 |
| Total risk-based capital ratio | 24.5369% | 1,078 |
| Memoranda: | ||
| Average total assets | $86,514,670 | 5,264 |
| Average earning assets | $78,792,670 | 5,248 |
| Average equity | $12,244,670 | 4,552 |
| Average total loans | $72,727,670 | 4,321 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1497% | 246 |
| Cost of funding earning assets | 0.7750% | 3,658 |
| Net interest margin | 5.3747% | 221 |
| Noninterest income to average assets | 0.2292% | 5,984 |
| Noninterest expense to average assets | 3.6449% | 1,473 |
| Loan and lease loss provision to assets | 0.4814% | 1,270 |
| Net operating income to assets | 0.6602% | 4,078 |
| Return on assets (ROA) | 0.6602% | 4,288 |
| Pretax return on assets | 0.9995% | 3,676 |
| Return on Equity (ROE) | 4.7304% | 4,923 |
| Retained earnings to average equity (ytd only) | 4.7304% | 3,725 |
| Net charge-offs to loans | 0.8525% | 1,204 |
| Credit loss provision to net charge-offs | 67.3077% | 2,972 |
| Earnings coverage of net charge-offs (x) | 2.0705% | 3,322 |
| Efficiency ratio | 69.9463% | 3,819 |
| Assets per employee ($millions) | 3.4970% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 5,373 |
| Loan loss allowance to noncurrent loans | 117.1053% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.5007% | 3,613 |
| Noncurrent loans to loans | 1.0470% | 4,600 |
| Net loans and leases to total assets | 82.0088% | 280 |
| Net loans and leases to deposits | 103.4290% | 270 |
| Net loans and leases to core deposits | 110.1150% | 530 |
| Total domestic deposits to total assets | 79.2899% | 6,016 |
| Equity capital to assets | 14.0096% | 1,025 |
| Core capital (leverage) ratio | 13.9650% | 812 |
| Tier 1 risk-based capital ratio | 22.5442% | 1,199 |
| Total risk-based capital ratio | 23.8172% | 1,176 |
| Memoranda: | ||
| Average total assets | $87,244,000 | 5,285 |
| Average earning assets | $79,484,000 | 5,255 |
| Average equity | $12,176,500 | 4,575 |
| Average total loans | $73,199,000 | 4,340 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4208% | 206 |
| Cost of funding earning assets | 0.7642% | 5,106 |
| Net interest margin | 5.6566% | 138 |
| Noninterest income to average assets | 0.0807% | 6,716 |
| Noninterest expense to average assets | 3.7349% | 1,469 |
| Loan and lease loss provision to assets | 0.5856% | 1,767 |
| Net operating income to assets | 0.6663% | 3,655 |
| Return on assets (ROA) | 0.6663% | 3,843 |
| Pretax return on assets | 1.0099% | 3,205 |
| Return on Equity (ROE) | 5.0414% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.0414% | 2,611 |
| Net charge-offs to loans | 0.3938% | 3,445 |
| Credit loss provision to net charge-offs | 172.4138% | 1,538 |
| Earnings coverage of net charge-offs (x) | 4.6973% | 3,015 |
| Efficiency ratio | 68.9697% | 4,159 |
| Assets per employee ($millions) | 3.4825% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 5,046 |
| Loan loss allowance to noncurrent loans | 111.3744% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 1.8309% | 3,213 |
| Noncurrent loans to loans | 1.1435% | 4,454 |
| Net loans and leases to total assets | 83.7001% | 223 |
| Net loans and leases to deposits | 106.8803% | 229 |
| Net loans and leases to core deposits | 113.8859% | 507 |
| Total domestic deposits to total assets | 78.3120% | 6,137 |
| Equity capital to assets | 13.9039% | 1,099 |
| Core capital (leverage) ratio | 13.8459% | 862 |
| Tier 1 risk-based capital ratio | 22.1573% | 1,219 |
| Total risk-based capital ratio | 23.4136% | 1,188 |
| Memoranda: | ||
| Average total assets | $76,842,600 | 5,538 |
| Average earning assets | $71,314,600 | 5,491 |
| Average equity | $10,156,000 | 4,976 |
| Average total loans | $66,282,200 | 4,621 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4921% | 196 |
| Cost of funding earning assets | 0.8386% | 4,868 |
| Net interest margin | 5.6535% | 145 |
| Noninterest income to average assets | 0.0772% | 6,854 |
| Noninterest expense to average assets | 3.8695% | 1,200 |
| Loan and lease loss provision to assets | 0.6013% | 1,639 |
| Net operating income to assets | 0.5582% | 4,280 |
| Return on assets (ROA) | 0.5582% | 4,455 |
| Pretax return on assets | 0.8579% | 3,920 |
| Return on Equity (ROE) | 4.2887% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.2887% | 3,676 |
| Net charge-offs to loans | 0.3768% | 3,223 |
| Credit loss provision to net charge-offs | 184.0659% | 1,600 |
| Earnings coverage of net charge-offs (x) | 4.4670% | 3,062 |
| Efficiency ratio | 71.6066% | 3,637 |
| Assets per employee ($millions) | 3.6513% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 5,455 |
| Loan loss allowance to noncurrent loans | 58.3495% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 2.2207% | 2,866 |
| Noncurrent loans to loans | 2.0613% | 3,287 |
| Net loans and leases to total assets | 84.8296% | 172 |
| Net loans and leases to deposits | 108.2982% | 203 |
| Net loans and leases to core deposits | 115.3173% | 518 |
| Total domestic deposits to total assets | 78.3296% | 6,127 |
| Equity capital to assets | 13.8022% | 1,242 |
| Core capital (leverage) ratio | 13.6611% | 990 |
| Tier 1 risk-based capital ratio | 21.7686% | 1,329 |
| Total risk-based capital ratio | 22.7965% | 1,331 |
| Memoranda: | ||
| Average total assets | $74,287,750 | 5,672 |
| Average earning assets | $69,005,500 | 5,615 |
| Average equity | $9,668,750 | 5,138 |
| Average total loans | $64,400,000 | 4,733 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5354% | 195 |
| Cost of funding earning assets | 0.9292% | 4,455 |
| Net interest margin | 5.6062% | 151 |
| Noninterest income to average assets | 0.0372% | 7,088 |
| Noninterest expense to average assets | 4.0407% | 989 |
| Loan and lease loss provision to assets | 0.6014% | 1,603 |
| Net operating income to assets | 0.3952% | 4,968 |
| Return on assets (ROA) | 0.3952% | 5,115 |
| Pretax return on assets | 0.5956% | 4,752 |
| Return on Equity (ROE) | 3.1151% | 5,352 |
| Retained earnings to average equity (ytd only) | 3.1151% | 4,293 |
| Net charge-offs to loans | 0.4935% | 2,623 |
| Credit loss provision to net charge-offs | 140.0000% | 2,172 |
| Earnings coverage of net charge-offs (x) | 2.7867% | 3,455 |
| Efficiency ratio | 76.3259% | 2,964 |
| Assets per employee ($millions) | 3.6014% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 6,049 |
| Loan loss allowance to noncurrent loans | 50.7183% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 2.3197% | 2,840 |
| Noncurrent loans to loans | 2.1225% | 3,323 |
| Net loans and leases to total assets | 86.3316% | 128 |
| Net loans and leases to deposits | 108.3492% | 210 |
| Net loans and leases to core deposits | 116.0049% | 517 |
| Total domestic deposits to total assets | 79.6791% | 5,903 |
| Equity capital to assets | 13.7933% | 1,167 |
| Core capital (leverage) ratio | 13.6352% | 959 |
| Tier 1 risk-based capital ratio | 21.4127% | 1,341 |
| Total risk-based capital ratio | 22.6658% | 1,320 |
| Memoranda: | ||
| Average total assets | $69,840,000 | 5,833 |
| Average earning assets | $64,785,330 | 5,792 |
| Average equity | $8,860,000 | 5,359 |
| Average total loans | $60,786,000 | 4,923 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3191% | 274 |
| Cost of funding earning assets | 1.0380% | 3,934 |
| Net interest margin | 5.2811% | 229 |
| Noninterest income to average assets | 0.1755% | 6,472 |
| Noninterest expense to average assets | 4.0362% | 994 |
| Loan and lease loss provision to assets | 0.6824% | 1,241 |
| Net operating income to assets | 0.2340% | 5,666 |
| Return on assets (ROA) | 0.2340% | 5,732 |
| Pretax return on assets | 0.3510% | 5,502 |
| Return on Equity (ROE) | 1.9648% | 5,798 |
| Retained earnings to average equity (ytd only) | 1.9648% | 4,946 |
| Net charge-offs to loans | -0.0299% | 6,712 |
| Credit loss provision to net charge-offs | -2,625.0000% | 6,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6154% | 2,600 |
| Assets per employee ($millions) | 3.0707% | 6,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 3,660 |
| Loan loss allowance to noncurrent loans | 94.6154% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.7162% | 3,684 |
| Noncurrent loans to loans | 1.7107% | 3,926 |
| Net loans and leases to total assets | 85.2151% | 171 |
| Net loans and leases to deposits | 105.0061% | 280 |
| Net loans and leases to core deposits | 113.0984% | 623 |
| Total domestic deposits to total assets | 81.1525% | 5,619 |
| Equity capital to assets | 11.9631% | 1,938 |
| Core capital (leverage) ratio | 12.0477% | 1,536 |
| Tier 1 risk-based capital ratio | 18.4316% | 1,980 |
| Total risk-based capital ratio | 19.6921% | 1,929 |
| Memoranda: | ||
| Average total assets | $61,543,500 | 6,138 |
| Average earning assets | $57,033,500 | 6,102 |
| Average equity | $7,329,000 | 5,833 |
| Average total loans | $53,463,500 | 5,276 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4694% | 336 |
| Cost of funding earning assets | 1.5040% | 2,618 |
| Net interest margin | 4.9655% | 470 |
| Noninterest income to average assets | 0.1794% | 6,468 |
| Noninterest expense to average assets | 3.4125% | 2,405 |
| Loan and lease loss provision to assets | 0.6726% | 2,454 |
| Net operating income to assets | 0.4836% | 4,180 |
| Return on assets (ROA) | 0.4836% | 4,334 |
| Pretax return on assets | 0.7046% | 3,961 |
| Return on Equity (ROE) | 4.2623% | 4,406 |
| Retained earnings to average equity (ytd only) | 4.2623% | 2,861 |
| Net charge-offs to loans | 0.5432% | 3,434 |
| Credit loss provision to net charge-offs | 143.8356% | 2,595 |
| Earnings coverage of net charge-offs (x) | 2.9452% | 3,600 |
| Efficiency ratio | 71.2471% | 3,944 |
| Assets per employee ($millions) | 3.0837% | 5,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 4,483 |
| Loan loss allowance to noncurrent loans | 84.5465% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.7577% | 3,668 |
| Noncurrent loans to loans | 1.6620% | 4,008 |
| Net loans and leases to total assets | 85.8998% | 189 |
| Net loans and leases to deposits | 103.8378% | 410 |
| Net loans and leases to core deposits | 113.3489% | 754 |
| Total domestic deposits to total assets | 82.7250% | 4,920 |
| Equity capital to assets | 11.8545% | 2,002 |
| Core capital (leverage) ratio | 11.9388% | 1,595 |
| Tier 1 risk-based capital ratio | 17.8087% | 2,065 |
| Total risk-based capital ratio | 19.0422% | 2,029 |
| Memoranda: | ||
| Average total assets | $62,447,200 | 6,110 |
| Average earning assets | $57,980,400 | 6,065 |
| Average equity | $7,085,400 | 6,004 |
| Average total loans | $53,754,600 | 5,330 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4728% | 360 |
| Cost of funding earning assets | 1.5953% | 2,416 |
| Net interest margin | 4.8776% | 577 |
| Noninterest income to average assets | 0.1767% | 6,618 |
| Noninterest expense to average assets | 3.3247% | 2,499 |
| Loan and lease loss provision to assets | 0.6705% | 2,278 |
| Net operating income to assets | 0.4555% | 4,517 |
| Return on assets (ROA) | 0.4555% | 4,704 |
| Pretax return on assets | 0.7109% | 4,193 |
| Return on Equity (ROE) | 4.0593% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.0593% | 3,617 |
| Net charge-offs to loans | 0.6275% | 2,865 |
| Credit loss provision to net charge-offs | 124.5059% | 3,290 |
| Earnings coverage of net charge-offs (x) | 2.5652% | 3,875 |
| Efficiency ratio | 70.6468% | 3,946 |
| Assets per employee ($millions) | 3.3201% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,936 |
| Loan loss allowance to noncurrent loans | 127.8293% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 1.1572% | 4,804 |
| Noncurrent loans to loans | 1.0212% | 5,196 |
| Net loans and leases to total assets | 82.5751% | 437 |
| Net loans and leases to deposits | 97.0561% | 880 |
| Net loans and leases to core deposits | 106.9632% | 1,242 |
| Total domestic deposits to total assets | 85.0797% | 3,585 |
| Equity capital to assets | 11.3170% | 2,688 |
| Core capital (leverage) ratio | 11.5326% | 1,921 |
| Tier 1 risk-based capital ratio | 17.9399% | 2,036 |
| Total risk-based capital ratio | 19.1951% | 2,003 |
| Memoranda: | ||
| Average total assets | $62,640,750 | 6,168 |
| Average earning assets | $58,169,750 | 6,123 |
| Average equity | $7,029,000 | 6,099 |
| Average total loans | $53,760,250 | 5,401 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5720% | 303 |
| Cost of funding earning assets | 1.6904% | 2,164 |
| Net interest margin | 4.8816% | 556 |
| Noninterest income to average assets | 0.1792% | 6,625 |
| Noninterest expense to average assets | 3.3219% | 2,496 |
| Loan and lease loss provision to assets | 0.6721% | 2,150 |
| Net operating income to assets | 0.4576% | 4,516 |
| Return on assets (ROA) | 0.4576% | 4,676 |
| Pretax return on assets | 0.7137% | 4,187 |
| Return on Equity (ROE) | 4.0902% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.0902% | 3,479 |
| Net charge-offs to loans | 0.5953% | 2,739 |
| Credit loss provision to net charge-offs | 130.4348% | 3,082 |
| Earnings coverage of net charge-offs (x) | 2.6894% | 3,648 |
| Efficiency ratio | 70.5642% | 4,069 |
| Assets per employee ($millions) | 3.3375% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 5,027 |
| Loan loss allowance to noncurrent loans | 177.4278% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.8074% | 5,502 |
| Noncurrent loans to loans | 0.7222% | 5,810 |
| Net loans and leases to total assets | 82.1233% | 517 |
| Net loans and leases to deposits | 96.3229% | 1,019 |
| Net loans and leases to core deposits | 104.9433% | 1,543 |
| Total domestic deposits to total assets | 85.2583% | 3,486 |
| Equity capital to assets | 11.1477% | 2,731 |
| Core capital (leverage) ratio | 11.3622% | 2,006 |
| Tier 1 risk-based capital ratio | 17.7967% | 2,009 |
| Total risk-based capital ratio | 19.0095% | 1,984 |
| Memoranda: | ||
| Average total assets | $62,493,670 | 6,213 |
| Average earning assets | $57,973,330 | 6,170 |
| Average equity | $6,992,330 | 6,140 |
| Average total loans | $54,087,330 | 5,417 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6118% | 302 |
| Cost of funding earning assets | 1.7956% | 1,895 |
| Net interest margin | 4.8162% | 622 |
| Noninterest income to average assets | 0.1934% | 6,579 |
| Noninterest expense to average assets | 3.4239% | 2,169 |
| Loan and lease loss provision to assets | 0.6770% | 1,881 |
| Net operating income to assets | 0.3546% | 5,057 |
| Return on assets (ROA) | 0.3546% | 5,180 |
| Pretax return on assets | 0.5545% | 4,772 |
| Return on Equity (ROE) | 3.1636% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.1636% | 4,247 |
| Net charge-offs to loans | 0.4529% | 2,689 |
| Credit loss provision to net charge-offs | 169.3548% | 2,150 |
| Earnings coverage of net charge-offs (x) | 3.0806% | 3,026 |
| Efficiency ratio | 73.5457% | 3,650 |
| Assets per employee ($millions) | 3.1424% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 5,180 |
| Loan loss allowance to noncurrent loans | 48.8889% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 2.4440% | 2,971 |
| Noncurrent loans to loans | 2.5680% | 3,103 |
| Net loans and leases to total assets | 85.3501% | 264 |
| Net loans and leases to deposits | 100.1045% | 746 |
| Net loans and leases to core deposits | 109.7718% | 1,287 |
| Total domestic deposits to total assets | 85.2610% | 3,528 |
| Equity capital to assets | 11.1095% | 2,668 |
| Core capital (leverage) ratio | 11.3259% | 2,019 |
| Tier 1 risk-based capital ratio | 17.0259% | 2,262 |
| Total risk-based capital ratio | 18.2816% | 2,208 |
| Memoranda: | ||
| Average total assets | $62,034,500 | 6,306 |
| Average earning assets | $57,473,000 | 6,261 |
| Average equity | $6,954,000 | 6,206 |
| Average total loans | $54,755,000 | 5,458 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9377% | 305 |
| Cost of funding earning assets | 2.3108% | 1,611 |
| Net interest margin | 4.6269% | 938 |
| Noninterest income to average assets | 0.2373% | 6,398 |
| Noninterest expense to average assets | 3.3417% | 2,867 |
| Loan and lease loss provision to assets | 0.7802% | 2,784 |
| Net operating income to assets | 0.2601% | 4,684 |
| Return on assets (ROA) | 0.2601% | 4,773 |
| Pretax return on assets | 0.4210% | 4,432 |
| Return on Equity (ROE) | 2.3343% | 4,774 |
| Retained earnings to average equity (ytd only) | 2.3343% | 3,486 |
| Net charge-offs to loans | 0.7468% | 2,958 |
| Credit loss provision to net charge-offs | 114.8325% | 4,759 |
| Earnings coverage of net charge-offs (x) | 1.7679% | 4,398 |
| Efficiency ratio | 73.5599% | 3,984 |
| Assets per employee ($millions) | 3.2222% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 5,597 |
| Loan loss allowance to noncurrent loans | 57.0027% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 2.0614% | 3,314 |
| Noncurrent loans to loans | 2.0312% | 3,608 |
| Net loans and leases to total assets | 89.1003% | 125 |
| Net loans and leases to deposits | 105.2277% | 589 |
| Net loans and leases to core deposits | 135.6940% | 966 |
| Total domestic deposits to total assets | 84.6738% | 3,718 |
| Equity capital to assets | 11.3129% | 2,454 |
| Core capital (leverage) ratio | 11.5351% | 1,898 |
| Tier 1 risk-based capital ratio | 16.5031% | 2,316 |
| Total risk-based capital ratio | 17.7019% | 2,285 |
| Memoranda: | ||
| Average total assets | $61,525,800 | 6,293 |
| Average earning assets | $57,252,000 | 6,240 |
| Average equity | $6,854,400 | 6,319 |
| Average total loans | $55,974,400 | 5,417 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9594% | 321 |
| Cost of funding earning assets | 2.4104% | 1,602 |
| Net interest margin | 4.5491% | 1,076 |
| Noninterest income to average assets | 0.2597% | 6,372 |
| Noninterest expense to average assets | 3.2726% | 3,021 |
| Loan and lease loss provision to assets | 0.8766% | 2,192 |
| Net operating income to assets | 0.2316% | 5,053 |
| Return on assets (ROA) | 0.2316% | 5,133 |
| Pretax return on assets | 0.3506% | 4,930 |
| Return on Equity (ROE) | 2.0867% | 5,137 |
| Retained earnings to average equity (ytd only) | 2.0867% | 4,162 |
| Net charge-offs to loans | 0.7477% | 2,491 |
| Credit loss provision to net charge-offs | 128.5714% | 3,898 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 4,451 |
| Efficiency ratio | 72.7273% | 4,096 |
| Assets per employee ($millions) | 3.0321% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 5,069 |
| Loan loss allowance to noncurrent loans | 80.7506% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.6045% | 3,945 |
| Noncurrent loans to loans | 1.4932% | 4,424 |
| Net loans and leases to total assets | 90.1207% | 113 |
| Net loans and leases to deposits | 108.5400% | 521 |
| Net loans and leases to core deposits | 138.4551% | 990 |
| Total domestic deposits to total assets | 83.0299% | 4,206 |
| Equity capital to assets | 11.3486% | 2,715 |
| Core capital (leverage) ratio | 11.5596% | 2,039 |
| Tier 1 risk-based capital ratio | 16.7780% | 2,340 |
| Total risk-based capital ratio | 18.0273% | 2,292 |
| Memoranda: | ||
| Average total assets | $61,601,750 | 6,330 |
| Average earning assets | $57,417,000 | 6,286 |
| Average equity | $6,836,500 | 6,378 |
| Average total loans | $56,171,000 | 5,457 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9167% | 369 |
| Cost of funding earning assets | 2.4695% | 1,716 |
| Net interest margin | 4.4472% | 1,298 |
| Noninterest income to average assets | 0.2907% | 6,194 |
| Noninterest expense to average assets | 3.2363% | 3,209 |
| Loan and lease loss provision to assets | 0.8721% | 1,930 |
| Net operating income to assets | 0.2164% | 5,199 |
| Return on assets (ROA) | 0.2164% | 5,281 |
| Pretax return on assets | 0.3294% | 5,131 |
| Return on Equity (ROE) | 1.9644% | 5,314 |
| Retained earnings to average equity (ytd only) | 1.9644% | 4,250 |
| Net charge-offs to loans | 0.5279% | 2,746 |
| Credit loss provision to net charge-offs | 181.2081% | 2,528 |
| Earnings coverage of net charge-offs (x) | 2.4966% | 3,818 |
| Efficiency ratio | 72.9258% | 4,222 |
| Assets per employee ($millions) | 3.0668% | 5,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 4,625 |
| Loan loss allowance to noncurrent loans | 70.2213% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.7119% | 3,617 |
| Noncurrent loans to loans | 1.7763% | 3,838 |
| Net loans and leases to total assets | 90.0954% | 127 |
| Net loans and leases to deposits | 108.6213% | 620 |
| Net loans and leases to core deposits | 139.7607% | 1,020 |
| Total domestic deposits to total assets | 82.9445% | 4,266 |
| Equity capital to assets | 11.1551% | 2,790 |
| Core capital (leverage) ratio | 11.3638% | 2,157 |
| Tier 1 risk-based capital ratio | 16.4565% | 2,460 |
| Total risk-based capital ratio | 17.7126% | 2,403 |
| Memoranda: | ||
| Average total assets | $61,921,670 | 6,374 |
| Average earning assets | $57,744,000 | 6,326 |
| Average equity | $6,821,330 | 6,433 |
| Average total loans | $56,455,330 | 5,491 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1480% | 269 |
| Cost of funding earning assets | 2.4677% | 2,038 |
| Net interest margin | 4.6803% | 800 |
| Noninterest income to average assets | 0.2829% | 6,170 |
| Noninterest expense to average assets | 3.0668% | 3,502 |
| Loan and lease loss provision to assets | 0.8680% | 1,512 |
| Net operating income to assets | 0.4693% | 4,567 |
| Return on assets (ROA) | 0.4693% | 4,755 |
| Pretax return on assets | 0.7137% | 4,387 |
| Return on Equity (ROE) | 4.2872% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.2872% | 3,523 |
| Net charge-offs to loans | 0.6419% | 1,894 |
| Credit loss provision to net charge-offs | 148.3516% | 2,813 |
| Earnings coverage of net charge-offs (x) | 2.7033% | 3,411 |
| Efficiency ratio | 65.9751% | 5,340 |
| Assets per employee ($millions) | 3.1286% | 5,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 5,488 |
| Loan loss allowance to noncurrent loans | 398.0769% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 6,763 |
| Noncurrent loans to loans | 0.2758% | 6,750 |
| Net loans and leases to total assets | 89.4186% | 165 |
| Net loans and leases to deposits | 113.9160% | 450 |
| Net loans and leases to core deposits | 147.1659% | 806 |
| Total domestic deposits to total assets | 78.4952% | 5,863 |
| Equity capital to assets | 10.9426% | 3,016 |
| Core capital (leverage) ratio | 11.1472% | 2,377 |
| Tier 1 risk-based capital ratio | 16.2213% | 2,603 |
| Total risk-based capital ratio | 17.4748% | 2,549 |
| Memoranda: | ||
| Average total assets | $62,215,000 | 6,391 |
| Average earning assets | $58,030,500 | 6,339 |
| Average equity | $6,811,000 | 6,475 |
| Average total loans | $56,704,000 | 5,518 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3262% | 564 |
| Cost of funding earning assets | 3.2093% | 1,161 |
| Net interest margin | 4.1169% | 2,637 |
| Noninterest income to average assets | 0.2541% | 6,631 |
| Noninterest expense to average assets | 3.1499% | 3,515 |
| Loan and lease loss provision to assets | 0.5681% | 2,550 |
| Net operating income to assets | 0.2714% | 5,639 |
| Return on assets (ROA) | 0.2714% | 5,454 |
| Pretax return on assets | 0.3945% | 5,271 |
| Return on Equity (ROE) | 2.5583% | 5,397 |
| Retained earnings to average equity (ytd only) | 2.5583% | 3,604 |
| Net charge-offs to loans | 0.6341% | 1,940 |
| Credit loss provision to net charge-offs | 99.1736% | 5,407 |
| Earnings coverage of net charge-offs (x) | 1.6804% | 5,244 |
| Efficiency ratio | 76.5925% | 3,140 |
| Assets per employee ($millions) | 3.0929% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 5,885 |
| Loan loss allowance to noncurrent loans | 387.2483% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 6,149 |
| Noncurrent loans to loans | 0.2622% | 6,591 |
| Net loans and leases to total assets | 90.9486% | 132 |
| Net loans and leases to deposits | 123.3858% | 311 |
| Net loans and leases to core deposits | 160.7538% | 560 |
| Total domestic deposits to total assets | 73.7108% | 6,700 |
| Equity capital to assets | 10.9525% | 3,079 |
| Core capital (leverage) ratio | 11.1594% | 2,456 |
| Tier 1 risk-based capital ratio | 15.8730% | 2,717 |
| Total risk-based capital ratio | 17.1239% | 2,655 |
| Memoranda: | ||
| Average total assets | $63,367,600 | 6,256 |
| Average earning assets | $59,389,400 | 6,197 |
| Average equity | $6,723,200 | 6,558 |
| Average total loans | $57,242,800 | 5,398 |