Home > Stanley Bank > Performance and Condition Ratios
Stanley Bank, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1760% | 3,716 |
| Cost of funding earning assets | 0.0388% | 4,861 |
| Net interest margin | 3.1371% | 2,936 |
| Noninterest income to average assets | 0.2216% | 4,078 |
| Noninterest expense to average assets | 1.9440% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5137% | 1,256 |
| Return on assets (ROA) | 1.5137% | 1,317 |
| Pretax return on assets | 1.3312% | 2,550 |
| Return on Equity (ROE) | 12.0655% | 2,031 |
| Retained earnings to average equity (ytd only) | -37.3084% | 4,930 |
| Net charge-offs to loans | 0.0335% | 1,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 85.0833% | 815 |
| Efficiency ratio | 59.3551% | 3,104 |
| Assets per employee ($millions) | 21.4516% | 82 |
| Cash dividends to net income (ytd only)* | 409.2162% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,721 |
| Loan loss allowance to noncurrent loans | 365.6371% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 3,115 |
| Noncurrent loans to loans | 0.3995% | 2,476 |
| Net loans and leases to total assets | 42.5477% | 4,143 |
| Net loans and leases to deposits | 48.2721% | 4,198 |
| Net loans and leases to core deposits | 50.9628% | 4,188 |
| Total domestic deposits to total assets | 88.1414% | 1,753 |
| Equity capital to assets | 11.1047% | 1,908 |
| Core capital (leverage) ratio | 10.6283% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,395,667 | 3,496 |
| Average earning assets | $149,309,000 | 3,429 |
| Average equity | $19,245,000 | 3,311 |
| Average total loans | $71,683,333 | 3,694 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4709% | 3,012 |
| Cost of funding earning assets | 0.0400% | 4,897 |
| Net interest margin | 3.4309% | 2,019 |
| Noninterest income to average assets | 0.2142% | 4,111 |
| Noninterest expense to average assets | 1.6695% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3676% | 1,639 |
| Return on assets (ROA) | 1.3676% | 1,725 |
| Pretax return on assets | 1.8605% | 1,178 |
| Return on Equity (ROE) | 10.3264% | 2,589 |
| Retained earnings to average equity (ytd only) | 10.3264% | 1,567 |
| Net charge-offs to loans | -0.0053% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2953% | 4,386 |
| Assets per employee ($millions) | 19.2846% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,479 |
| Loan loss allowance to noncurrent loans | 306.3898% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 2,054 |
| Noncurrent loans to loans | 0.4215% | 2,594 |
| Net loans and leases to total assets | 47.5106% | 3,857 |
| Net loans and leases to deposits | 55.0095% | 3,868 |
| Net loans and leases to core deposits | 58.1901% | 3,819 |
| Total domestic deposits to total assets | 86.3680% | 2,596 |
| Equity capital to assets | 13.4790% | 790 |
| Core capital (leverage) ratio | 13.6413% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,013,000 | 3,479 |
| Average earning assets | $149,815,000 | 3,417 |
| Average equity | $20,530,000 | 3,198 |
| Average total loans | $75,106,500 | 3,652 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0332% | 4,608 |
| Cost of funding earning assets | 0.1786% | 4,652 |
| Net interest margin | 2.8547% | 4,183 |
| Noninterest income to average assets | 0.2241% | 4,154 |
| Noninterest expense to average assets | 1.8169% | 4,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8007% | 3,090 |
| Return on assets (ROA) | 0.8007% | 3,212 |
| Pretax return on assets | 1.1397% | 2,550 |
| Return on Equity (ROE) | 5.2074% | 3,846 |
| Retained earnings to average equity (ytd only) | -7.5519% | 4,877 |
| Net charge-offs to loans | 0.0198% | 2,672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 105.8000% | 757 |
| Efficiency ratio | 61.4525% | 3,231 |
| Assets per employee ($millions) | 19.4686% | 98 |
| Cash dividends to net income (ytd only)* | 245.0224% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 2,614 |
| Loan loss allowance to noncurrent loans | 2,903.0303% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.2594% | 3,002 |
| Noncurrent loans to loans | 0.0434% | 4,124 |
| Net loans and leases to total assets | 48.1531% | 3,965 |
| Net loans and leases to deposits | 55.3675% | 4,038 |
| Net loans and leases to core deposits | 58.5136% | 4,023 |
| Total domestic deposits to total assets | 86.9701% | 1,957 |
| Equity capital to assets | 13.0113% | 1,082 |
| Core capital (leverage) ratio | 13.3140% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,246,200 | 3,522 |
| Average earning assets | $133,290,400 | 3,466 |
| Average equity | $21,411,800 | 3,063 |
| Average total loans | $75,650,400 | 3,629 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3407% | 4,425 |
| Cost of funding earning assets | 0.2244% | 4,589 |
| Net interest margin | 3.1163% | 3,700 |
| Noninterest income to average assets | 0.2339% | 4,099 |
| Noninterest expense to average assets | 1.8758% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9789% | 2,414 |
| Return on assets (ROA) | 0.9789% | 2,558 |
| Pretax return on assets | 1.3321% | 1,932 |
| Return on Equity (ROE) | 6.0955% | 3,524 |
| Retained earnings to average equity (ytd only) | -10.6917% | 4,937 |
| Net charge-offs to loans | 0.0212% | 2,434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 112.5000% | 732 |
| Efficiency ratio | 58.4743% | 3,602 |
| Assets per employee ($millions) | 16.3298% | 134 |
| Cash dividends to net income (ytd only)* | 275.4032% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 3,010 |
| Loan loss allowance to noncurrent loans | 3,844.0000% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 3,088 |
| Noncurrent loans to loans | 0.0295% | 4,283 |
| Net loans and leases to total assets | 56.9505% | 3,530 |
| Net loans and leases to deposits | 66.0363% | 3,620 |
| Net loans and leases to core deposits | 70.1825% | 3,611 |
| Total domestic deposits to total assets | 86.2412% | 1,962 |
| Equity capital to assets | 13.7043% | 941 |
| Core capital (leverage) ratio | 13.8931% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,120,500 | 3,562 |
| Average earning assets | $128,952,500 | 3,506 |
| Average equity | $21,698,500 | 3,026 |
| Average total loans | $75,574,000 | 3,650 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 3,781 |
| Cost of funding earning assets | 0.2983% | 4,488 |
| Net interest margin | 3.5347% | 2,689 |
| Noninterest income to average assets | 0.2379% | 4,053 |
| Noninterest expense to average assets | 2.0812% | 4,075 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1146% | 1,916 |
| Return on assets (ROA) | 1.1146% | 2,037 |
| Pretax return on assets | 1.5171% | 1,414 |
| Return on Equity (ROE) | 6.5803% | 3,300 |
| Retained earnings to average equity (ytd only) | 6.5803% | 1,835 |
| Net charge-offs to loans | 0.0358% | 2,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 76.5385% | 834 |
| Efficiency ratio | 57.8390% | 3,711 |
| Assets per employee ($millions) | 15.9676% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 2,615 |
| Loan loss allowance to noncurrent loans | 24,000.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 3,267 |
| Noncurrent loans to loans | 0.0049% | 4,503 |
| Net loans and leases to total assets | 55.9809% | 3,687 |
| Net loans and leases to deposits | 66.5330% | 3,675 |
| Net loans and leases to core deposits | 69.7567% | 3,728 |
| Total domestic deposits to total assets | 84.1401% | 2,707 |
| Equity capital to assets | 15.7361% | 504 |
| Core capital (leverage) ratio | 15.8512% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,171,333 | 3,583 |
| Average earning assets | $124,706,333 | 3,536 |
| Average equity | $22,217,667 | 2,985 |
| Average total loans | $72,545,333 | 3,704 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 4,279 |
| Cost of funding earning assets | 0.4332% | 4,223 |
| Net interest margin | 3.3299% | 3,516 |
| Noninterest income to average assets | 0.2946% | 3,763 |
| Noninterest expense to average assets | 2.2481% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8807% | 2,583 |
| Return on assets (ROA) | 0.8807% | 2,685 |
| Pretax return on assets | 1.1977% | 2,205 |
| Return on Equity (ROE) | 4.9956% | 3,634 |
| Retained earnings to average equity (ytd only) | 4.9956% | 2,280 |
| Net charge-offs to loans | 0.0940% | 1,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 23.3750% | 1,331 |
| Efficiency ratio | 65.2416% | 3,057 |
| Assets per employee ($millions) | 14.3237% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 1,532 |
| Loan loss allowance to noncurrent loans | 2,334.1463% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 3,164 |
| Noncurrent loans to loans | 0.0620% | 4,290 |
| Net loans and leases to total assets | 50.5155% | 4,215 |
| Net loans and leases to deposits | 61.1786% | 4,151 |
| Net loans and leases to core deposits | 63.7772% | 4,182 |
| Total domestic deposits to total assets | 82.5704% | 3,245 |
| Equity capital to assets | 17.1876% | 421 |
| Core capital (leverage) ratio | 17.6864% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,903,000 | 3,639 |
| Average earning assets | $118,201,000 | 3,600 |
| Average equity | $22,019,500 | 2,995 |
| Average total loans | $68,113,500 | 3,799 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 1,340 |
| Cost of funding earning assets | 0.8744% | 2,312 |
| Net interest margin | 4.1771% | 1,361 |
| Noninterest income to average assets | 0.4312% | 3,101 |
| Noninterest expense to average assets | 3.2584% | 1,386 |
| Loan and lease loss provision to assets | -0.2572% | 5,137 |
| Net operating income to assets | 0.9918% | 2,876 |
| Return on assets (ROA) | 0.9918% | 2,957 |
| Pretax return on assets | 1.3613% | 2,290 |
| Return on Equity (ROE) | 5.4205% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.4205% | 2,214 |
| Net charge-offs to loans | 0.1593% | 1,265 |
| Credit loss provision to net charge-offs | -247.9339% | 4,326 |
| Earnings coverage of net charge-offs (x) | 10.6446% | 2,553 |
| Efficiency ratio | 74.6905% | 1,527 |
| Assets per employee ($millions) | 13.4326% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 1,571 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 3,068 |
| Noncurrent loans to loans | 0.0513% | 4,341 |
| Net loans and leases to total assets | 57.2217% | 3,828 |
| Net loans and leases to deposits | 69.9655% | 3,678 |
| Net loans and leases to core deposits | 73.0980% | 3,791 |
| Total domestic deposits to total assets | 81.7855% | 3,566 |
| Equity capital to assets | 18.1003% | 360 |
| Core capital (leverage) ratio | 18.0443% | 338 |
| Tier 1 risk-based capital ratio | 30.4509% | 460 |
| Total risk-based capital ratio | 31.7019% | 454 |
| Memoranda: | ||
| Average total assets | $116,651,600 | 3,746 |
| Average earning assets | $109,789,400 | 3,712 |
| Average equity | $21,344,800 | 3,015 |
| Average total loans | $75,935,800 | 3,669 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2440% | 957 |
| Cost of funding earning assets | 0.9724% | 1,882 |
| Net interest margin | 4.2716% | 1,221 |
| Noninterest income to average assets | 0.4499% | 3,022 |
| Noninterest expense to average assets | 3.4108% | 1,066 |
| Loan and lease loss provision to assets | -0.3460% | 5,233 |
| Net operating income to assets | 0.8962% | 3,360 |
| Return on assets (ROA) | 0.8962% | 3,435 |
| Pretax return on assets | 1.4084% | 2,280 |
| Return on Equity (ROE) | 4.8842% | 4,359 |
| Retained earnings to average equity (ytd only) | 4.8842% | 2,945 |
| Net charge-offs to loans | 0.2085% | 844 |
| Credit loss provision to net charge-offs | -247.9339% | 4,198 |
| Earnings coverage of net charge-offs (x) | 7.6115% | 2,723 |
| Efficiency ratio | 76.2506% | 1,305 |
| Assets per employee ($millions) | 13.3953% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 2,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 3,314 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 62.6918% | 3,422 |
| Net loans and leases to deposits | 76.4052% | 3,258 |
| Net loans and leases to core deposits | 79.2867% | 3,441 |
| Total domestic deposits to total assets | 82.0518% | 3,464 |
| Equity capital to assets | 17.8354% | 408 |
| Core capital (leverage) ratio | 18.3333% | 325 |
| Tier 1 risk-based capital ratio | 27.7639% | 589 |
| Total risk-based capital ratio | 29.0163% | 577 |
| Memoranda: | ||
| Average total assets | $115,591,250 | 3,799 |
| Average earning assets | $108,871,500 | 3,771 |
| Average equity | $21,210,500 | 3,048 |
| Average total loans | $77,382,500 | 3,687 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3165% | 788 |
| Cost of funding earning assets | 1.0111% | 1,643 |
| Net interest margin | 4.3054% | 1,131 |
| Noninterest income to average assets | 0.4599% | 2,913 |
| Noninterest expense to average assets | 2.7472% | 2,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2972% | 1,781 |
| Return on assets (ROA) | 1.2972% | 1,840 |
| Pretax return on assets | 1.7642% | 1,137 |
| Return on Equity (ROE) | 7.0003% | 3,679 |
| Retained earnings to average equity (ytd only) | 7.0003% | 1,809 |
| Net charge-offs to loans | 0.0464% | 1,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 55.8333% | 1,028 |
| Efficiency ratio | 60.8949% | 3,597 |
| Assets per employee ($millions) | 12.8680% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8362% | 637 |
| Loan loss allowance to noncurrent loans | 4,741.3793% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.3454% | 3,153 |
| Noncurrent loans to loans | 0.0387% | 4,516 |
| Net loans and leases to total assets | 63.4727% | 3,399 |
| Net loans and leases to deposits | 77.9936% | 3,151 |
| Net loans and leases to core deposits | 80.1153% | 3,410 |
| Total domestic deposits to total assets | 81.3819% | 3,699 |
| Equity capital to assets | 18.5335% | 328 |
| Core capital (leverage) ratio | 18.8434% | 290 |
| Tier 1 risk-based capital ratio | 27.6566% | 582 |
| Total risk-based capital ratio | 28.9155% | 565 |
| Memoranda: | ||
| Average total assets | $113,935,670 | 3,843 |
| Average earning assets | $107,214,330 | 3,819 |
| Average equity | $21,113,330 | 3,051 |
| Average total loans | $77,659,330 | 3,700 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3931% | 640 |
| Cost of funding earning assets | 0.9864% | 1,628 |
| Net interest margin | 4.4067% | 885 |
| Noninterest income to average assets | 0.4850% | 2,644 |
| Noninterest expense to average assets | 2.5912% | 3,241 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5080% | 1,093 |
| Return on assets (ROA) | 1.5080% | 1,121 |
| Pretax return on assets | 2.0531% | 581 |
| Return on Equity (ROE) | 8.1383% | 3,200 |
| Retained earnings to average equity (ytd only) | 8.1383% | 1,609 |
| Net charge-offs to loans | -0.0051% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7927% | 4,359 |
| Assets per employee ($millions) | 12.6861% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8183% | 688 |
| Loan loss allowance to noncurrent loans | 359.0206% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6648% | 2,107 |
| Noncurrent loans to loans | 0.5064% | 2,790 |
| Net loans and leases to total assets | 65.8804% | 3,072 |
| Net loans and leases to deposits | 81.0454% | 2,720 |
| Net loans and leases to core deposits | 83.6501% | 3,050 |
| Total domestic deposits to total assets | 81.2884% | 3,908 |
| Equity capital to assets | 18.5251% | 307 |
| Core capital (leverage) ratio | 19.1582% | 271 |
| Tier 1 risk-based capital ratio | 26.9942% | 619 |
| Total risk-based capital ratio | 28.2500% | 606 |
| Memoranda: | ||
| Average total assets | $112,997,500 | 3,896 |
| Average earning assets | $106,655,000 | 3,866 |
| Average equity | $20,938,000 | 3,074 |
| Average total loans | $79,047,000 | 3,714 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1399% | 784 |
| Cost of funding earning assets | 0.6975% | 2,107 |
| Net interest margin | 4.4424% | 858 |
| Noninterest income to average assets | 0.4564% | 3,070 |
| Noninterest expense to average assets | 2.8102% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2056% | 2,145 |
| Return on assets (ROA) | 1.2056% | 2,137 |
| Pretax return on assets | 1.8174% | 877 |
| Return on Equity (ROE) | 6.5349% | 3,994 |
| Retained earnings to average equity (ytd only) | 6.5349% | 1,905 |
| Net charge-offs to loans | -0.7093% | 5,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7261% | 3,739 |
| Assets per employee ($millions) | 13.9775% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7084% | 822 |
| Loan loss allowance to noncurrent loans | 554.5817% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 2,387 |
| Noncurrent loans to loans | 0.3080% | 3,444 |
| Net loans and leases to total assets | 71.6240% | 2,324 |
| Net loans and leases to deposits | 87.9704% | 2,045 |
| Net loans and leases to core deposits | 89.7337% | 2,596 |
| Total domestic deposits to total assets | 81.4184% | 3,806 |
| Equity capital to assets | 18.5343% | 297 |
| Core capital (leverage) ratio | 18.5532% | 288 |
| Tier 1 risk-based capital ratio | 25.0175% | 744 |
| Total risk-based capital ratio | 26.2741% | 729 |
| Memoranda: | ||
| Average total assets | $111,310,600 | 3,920 |
| Average earning assets | $104,516,200 | 3,906 |
| Average equity | $20,535,800 | 3,043 |
| Average total loans | $78,950,800 | 3,687 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0126% | 926 |
| Cost of funding earning assets | 0.6210% | 2,328 |
| Net interest margin | 4.3916% | 913 |
| Noninterest income to average assets | 0.4749% | 3,014 |
| Noninterest expense to average assets | 2.6802% | 3,029 |
| Loan and lease loss provision to assets | -0.7195% | 5,464 |
| Net operating income to assets | 1.8899% | 497 |
| Return on assets (ROA) | 1.8899% | 499 |
| Pretax return on assets | 2.6274% | 180 |
| Return on Equity (ROE) | 10.2559% | 2,500 |
| Retained earnings to average equity (ytd only) | 10.2559% | 839 |
| Net charge-offs to loans | -1.7075% | 5,436 |
| Credit loss provision to net charge-offs | 59.8205% | 2,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4161% | 4,054 |
| Assets per employee ($millions) | 13.8919% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 1,237 |
| Loan loss allowance to noncurrent loans | 78.5124% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.7816% | 659 |
| Noncurrent loans to loans | 1.9578% | 767 |
| Net loans and leases to total assets | 71.1837% | 2,464 |
| Net loans and leases to deposits | 87.7537% | 2,181 |
| Net loans and leases to core deposits | 90.9164% | 2,567 |
| Total domestic deposits to total assets | 81.1176% | 3,839 |
| Equity capital to assets | 18.8581% | 278 |
| Core capital (leverage) ratio | 18.8581% | 277 |
| Tier 1 risk-based capital ratio | 24.8032% | 775 |
| Total risk-based capital ratio | 26.0554% | 751 |
| Memoranda: | ||
| Average total assets | $111,183,250 | 3,964 |
| Average earning assets | $104,135,750 | 3,952 |
| Average equity | $20,488,500 | 3,069 |
| Average total loans | $78,318,000 | 3,728 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 985 |
| Cost of funding earning assets | 0.5280% | 2,775 |
| Net interest margin | 4.3855% | 875 |
| Noninterest income to average assets | 0.4802% | 2,974 |
| Noninterest expense to average assets | 2.6763% | 3,089 |
| Loan and lease loss provision to assets | -1.7986% | 5,539 |
| Net operating income to assets | 2.7446% | 104 |
| Return on assets (ROA) | 2.7446% | 103 |
| Pretax return on assets | 3.6961% | 66 |
| Return on Equity (ROE) | 15.0108% | 849 |
| Retained earnings to average equity (ytd only) | 15.0108% | 200 |
| Net charge-offs to loans | -2.5192% | 5,502 |
| Credit loss provision to net charge-offs | 102.2495% | 1,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5136% | 4,153 |
| Assets per employee ($millions) | 14.2901% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 3,591 |
| Loan loss allowance to noncurrent loans | 48.9130% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.8046% | 646 |
| Noncurrent loans to loans | 2.1276% | 668 |
| Net loans and leases to total assets | 67.3769% | 2,967 |
| Net loans and leases to deposits | 82.4884% | 2,714 |
| Net loans and leases to core deposits | 86.0674% | 2,916 |
| Total domestic deposits to total assets | 81.6805% | 3,818 |
| Equity capital to assets | 18.2889% | 303 |
| Core capital (leverage) ratio | 19.0487% | 266 |
| Tier 1 risk-based capital ratio | 25.3516% | 710 |
| Total risk-based capital ratio | 26.3338% | 713 |
| Memoranda: | ||
| Average total assets | $111,199,330 | 4,001 |
| Average earning assets | $103,796,330 | 3,991 |
| Average equity | $20,332,000 | 3,100 |
| Average total loans | $77,642,330 | 3,760 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0334% | 652 |
| Cost of funding earning assets | 0.4932% | 2,845 |
| Net interest margin | 4.5403% | 565 |
| Noninterest income to average assets | 0.4852% | 2,898 |
| Noninterest expense to average assets | 2.2437% | 4,316 |
| Loan and lease loss provision to assets | -3.6484% | 5,606 |
| Net operating income to assets | 4.8231% | 41 |
| Return on assets (ROA) | 4.8231% | 41 |
| Pretax return on assets | 6.1219% | 40 |
| Return on Equity (ROE) | 26.3820% | 74 |
| Retained earnings to average equity (ytd only) | 26.3820% | 38 |
| Net charge-offs to loans | -5.1222% | 5,569 |
| Credit loss provision to net charge-offs | 100.7049% | 1,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5638% | 5,211 |
| Assets per employee ($millions) | 12.3039% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 3,453 |
| Loan loss allowance to noncurrent loans | 58.4158% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.6589% | 791 |
| Noncurrent loans to loans | 1.8649% | 883 |
| Net loans and leases to total assets | 67.7257% | 2,798 |
| Net loans and leases to deposits | 83.6757% | 2,424 |
| Net loans and leases to core deposits | 88.0793% | 2,626 |
| Total domestic deposits to total assets | 80.9383% | 4,222 |
| Equity capital to assets | 18.6978% | 268 |
| Core capital (leverage) ratio | 18.1164% | 306 |
| Tier 1 risk-based capital ratio | 26.0683% | 683 |
| Total risk-based capital ratio | 27.1083% | 679 |
| Memoranda: | ||
| Average total assets | $109,638,500 | 4,075 |
| Average earning assets | $102,197,000 | 4,053 |
| Average equity | $20,044,000 | 3,154 |
| Average total loans | $77,545,500 | 3,798 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 1,858 |
| Cost of funding earning assets | 0.2863% | 4,264 |
| Net interest margin | 4.1705% | 1,250 |
| Noninterest income to average assets | 0.4363% | 3,396 |
| Noninterest expense to average assets | 2.4674% | 3,888 |
| Loan and lease loss provision to assets | 0.0874% | 2,438 |
| Net operating income to assets | 1.2154% | 1,466 |
| Return on assets (ROA) | 1.2154% | 1,495 |
| Pretax return on assets | 1.7793% | 836 |
| Return on Equity (ROE) | 7.4320% | 3,066 |
| Retained earnings to average equity (ytd only) | 7.4320% | 944 |
| Net charge-offs to loans | 0.0317% | 3,159 |
| Credit loss provision to net charge-offs | 400.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 85.4000% | 732 |
| Efficiency ratio | 56.9296% | 4,667 |
| Assets per employee ($millions) | 12.0602% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,625 |
| Loan loss allowance to noncurrent loans | 2,971.4286% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 3,200 |
| Noncurrent loans to loans | 0.0353% | 4,853 |
| Net loans and leases to total assets | 72.2642% | 2,187 |
| Net loans and leases to deposits | 88.0444% | 2,012 |
| Net loans and leases to core deposits | 90.8288% | 2,481 |
| Total domestic deposits to total assets | 82.0770% | 3,855 |
| Equity capital to assets | 17.8576% | 327 |
| Core capital (leverage) ratio | 16.1270% | 459 |
| Tier 1 risk-based capital ratio | 22.7767% | 937 |
| Total risk-based capital ratio | 23.7544% | 943 |
| Memoranda: | ||
| Average total assets | $114,369,200 | 3,991 |
| Average earning assets | $106,894,800 | 3,965 |
| Average equity | $18,703,000 | 3,273 |
| Average total loans | $78,822,000 | 3,775 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3399% | 2,142 |
| Cost of funding earning assets | 0.2519% | 4,548 |
| Net interest margin | 4.0880% | 1,420 |
| Noninterest income to average assets | 0.4351% | 3,436 |
| Noninterest expense to average assets | 2.4162% | 3,978 |
| Loan and lease loss provision to assets | 0.1151% | 1,878 |
| Net operating income to assets | 1.2041% | 1,675 |
| Return on assets (ROA) | 1.2041% | 1,710 |
| Pretax return on assets | 1.7336% | 1,037 |
| Return on Equity (ROE) | 7.5251% | 3,377 |
| Retained earnings to average equity (ytd only) | 7.5251% | 1,420 |
| Net charge-offs to loans | 0.0728% | 2,093 |
| Credit loss provision to net charge-offs | 232.5581% | 1,201 |
| Earnings coverage of net charge-offs (x) | 37.3501% | 1,370 |
| Efficiency ratio | 56.6532% | 4,657 |
| Assets per employee ($millions) | 13.7374% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 3,863 |
| Loan loss allowance to noncurrent loans | 447.2527% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 3,247 |
| Noncurrent loans to loans | 0.2319% | 4,138 |
| Net loans and leases to total assets | 62.8186% | 3,566 |
| Net loans and leases to deposits | 74.2955% | 3,536 |
| Net loans and leases to core deposits | 77.5445% | 3,679 |
| Total domestic deposits to total assets | 84.5524% | 2,897 |
| Equity capital to assets | 15.3991% | 649 |
| Core capital (leverage) ratio | 15.8550% | 512 |
| Tier 1 risk-based capital ratio | 23.5465% | 893 |
| Total risk-based capital ratio | 24.5532% | 903 |
| Memoranda: | ||
| Average total assets | $115,826,000 | 4,004 |
| Average earning assets | $108,509,500 | 3,986 |
| Average equity | $18,533,000 | 3,325 |
| Average total loans | $78,710,250 | 3,805 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2762% | 2,206 |
| Cost of funding earning assets | 0.2100% | 4,891 |
| Net interest margin | 4.0662% | 1,413 |
| Noninterest income to average assets | 0.5052% | 2,992 |
| Noninterest expense to average assets | 2.4341% | 3,958 |
| Loan and lease loss provision to assets | 0.1766% | 1,086 |
| Net operating income to assets | 1.2171% | 1,543 |
| Return on assets (ROA) | 1.2171% | 1,583 |
| Pretax return on assets | 1.6905% | 1,079 |
| Return on Equity (ROE) | 7.5037% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.5037% | 1,349 |
| Net charge-offs to loans | 0.0152% | 2,941 |
| Credit loss provision to net charge-offs | 1,666.6667% | 247 |
| Earnings coverage of net charge-offs (x) | 176.1667% | 447 |
| Efficiency ratio | 56.5914% | 4,758 |
| Assets per employee ($millions) | 13.2560% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,750 |
| Loan loss allowance to noncurrent loans | 128.7443% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 2,047 |
| Noncurrent loans to loans | 0.8290% | 2,330 |
| Net loans and leases to total assets | 66.1218% | 3,084 |
| Net loans and leases to deposits | 78.4264% | 3,075 |
| Net loans and leases to core deposits | 81.9961% | 3,251 |
| Total domestic deposits to total assets | 84.3107% | 3,084 |
| Equity capital to assets | 15.6592% | 580 |
| Core capital (leverage) ratio | 16.2435% | 445 |
| Tier 1 risk-based capital ratio | 22.3653% | 1,006 |
| Total risk-based capital ratio | 23.3829% | 1,015 |
| Memoranda: | ||
| Average total assets | $113,222,330 | 4,074 |
| Average earning assets | $105,701,330 | 4,054 |
| Average equity | $18,364,330 | 3,350 |
| Average total loans | $78,786,670 | 3,818 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 2,207 |
| Cost of funding earning assets | 0.1437% | 5,416 |
| Net interest margin | 4.0773% | 1,277 |
| Noninterest income to average assets | 0.5155% | 2,870 |
| Noninterest expense to average assets | 2.7482% | 2,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5429% | 758 |
| Return on assets (ROA) | 1.5429% | 778 |
| Pretax return on assets | 1.5792% | 1,290 |
| Return on Equity (ROE) | 9.3378% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.3378% | 968 |
| Net charge-offs to loans | -0.0153% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5067% | 3,914 |
| Assets per employee ($millions) | 12.6908% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 4,406 |
| Loan loss allowance to noncurrent loans | 343.8914% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 3,158 |
| Noncurrent loans to loans | 0.2844% | 4,100 |
| Net loans and leases to total assets | 67.3691% | 2,766 |
| Net loans and leases to deposits | 80.3456% | 2,706 |
| Net loans and leases to core deposits | 84.0106% | 2,897 |
| Total domestic deposits to total assets | 83.8492% | 3,533 |
| Equity capital to assets | 16.1254% | 473 |
| Core capital (leverage) ratio | 16.8372% | 376 |
| Tier 1 risk-based capital ratio | 23.1868% | 951 |
| Total risk-based capital ratio | 24.1436% | 969 |
| Memoranda: | ||
| Average total assets | $110,181,500 | 4,172 |
| Average earning assets | $103,008,500 | 4,156 |
| Average equity | $18,205,500 | 3,387 |
| Average total loans | $78,311,500 | 3,856 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8095% | 3,872 |
| Cost of funding earning assets | 0.1328% | 5,531 |
| Net interest margin | 3.6767% | 2,788 |
| Noninterest income to average assets | 1.3680% | 614 |
| Noninterest expense to average assets | 2.6639% | 3,475 |
| Loan and lease loss provision to assets | 1.0238% | 100 |
| Net operating income to assets | 1.1096% | 1,862 |
| Return on assets (ROA) | 1.1096% | 1,956 |
| Pretax return on assets | 1.1096% | 3,064 |
| Return on Equity (ROE) | 6.5731% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.5731% | 1,419 |
| Net charge-offs to loans | 2.3585% | 53 |
| Credit loss provision to net charge-offs | 62.0567% | 3,217 |
| Earnings coverage of net charge-offs (x) | 1.2931% | 4,005 |
| Efficiency ratio | 55.5285% | 5,104 |
| Assets per employee ($millions) | 11.7940% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 4,531 |
| Loan loss allowance to noncurrent loans | 398.4211% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 3,157 |
| Noncurrent loans to loans | 0.2408% | 4,290 |
| Net loans and leases to total assets | 73.6335% | 1,908 |
| Net loans and leases to deposits | 88.6921% | 1,848 |
| Net loans and leases to core deposits | 93.1063% | 2,200 |
| Total domestic deposits to total assets | 83.0215% | 3,762 |
| Equity capital to assets | 16.9512% | 390 |
| Core capital (leverage) ratio | 16.8154% | 372 |
| Tier 1 risk-based capital ratio | 21.9577% | 1,090 |
| Total risk-based capital ratio | 22.8815% | 1,108 |
| Memoranda: | ||
| Average total assets | $102,556,200 | 4,314 |
| Average earning assets | $95,656,200 | 4,278 |
| Average equity | $17,313,000 | 3,511 |
| Average total loans | $71,740,600 | 4,002 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7292% | 4,149 |
| Cost of funding earning assets | 0.1362% | 5,577 |
| Net interest margin | 3.5930% | 3,099 |
| Noninterest income to average assets | 1.3994% | 607 |
| Noninterest expense to average assets | 2.6323% | 3,559 |
| Loan and lease loss provision to assets | 1.3115% | 68 |
| Net operating income to assets | 0.8118% | 3,313 |
| Return on assets (ROA) | 0.8118% | 3,451 |
| Pretax return on assets | 0.8118% | 4,273 |
| Return on Equity (ROE) | 4.8143% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.8143% | 2,948 |
| Net charge-offs to loans | 3.2405% | 32 |
| Credit loss provision to net charge-offs | 58.8235% | 2,920 |
| Earnings coverage of net charge-offs (x) | 0.9524% | 3,746 |
| Efficiency ratio | 55.3502% | 5,121 |
| Assets per employee ($millions) | 11.6858% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 4,346 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 1.7372% | 974 |
| Noncurrent loans to loans | 0.2524% | 4,363 |
| Net loans and leases to total assets | 65.2607% | 3,243 |
| Net loans and leases to deposits | 78.2917% | 3,155 |
| Net loans and leases to core deposits | 82.2086% | 3,262 |
| Total domestic deposits to total assets | 83.3558% | 3,463 |
| Equity capital to assets | 16.6156% | 471 |
| Core capital (leverage) ratio | 16.8976% | 376 |
| Tier 1 risk-based capital ratio | 23.5496% | 941 |
| Total risk-based capital ratio | 24.4916% | 958 |
| Memoranda: | ||
| Average total assets | $101,658,750 | 4,361 |
| Average earning assets | $94,960,750 | 4,326 |
| Average equity | $17,143,000 | 3,564 |
| Average total loans | $69,946,750 | 4,078 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 4,145 |
| Cost of funding earning assets | 0.1414% | 5,602 |
| Net interest margin | 3.6027% | 3,091 |
| Noninterest income to average assets | 1.7594% | 414 |
| Noninterest expense to average assets | 2.8183% | 2,967 |
| Loan and lease loss provision to assets | 1.9903% | 40 |
| Net operating income to assets | 0.3483% | 5,186 |
| Return on assets (ROA) | 0.3483% | 5,268 |
| Pretax return on assets | 0.3483% | 5,421 |
| Return on Equity (ROE) | 2.0549% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.0549% | 4,538 |
| Net charge-offs to loans | 4.9608% | 18 |
| Credit loss provision to net charge-offs | 57.4713% | 2,602 |
| Earnings coverage of net charge-offs (x) | 0.6753% | 3,496 |
| Efficiency ratio | 54.6507% | 5,258 |
| Assets per employee ($millions) | 11.3408% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 4,604 |
| Loan loss allowance to noncurrent loans | 890.5405% | 644 |
| Noncurrent assets plus other real estate owned to assets | 3.7534% | 265 |
| Noncurrent loans to loans | 0.1103% | 5,006 |
| Net loans and leases to total assets | 65.0563% | 3,221 |
| Net loans and leases to deposits | 78.1115% | 3,145 |
| Net loans and leases to core deposits | 81.8442% | 3,284 |
| Total domestic deposits to total assets | 83.2865% | 3,546 |
| Equity capital to assets | 16.6851% | 470 |
| Core capital (leverage) ratio | 17.0532% | 363 |
| Tier 1 risk-based capital ratio | 24.4284% | 860 |
| Total risk-based capital ratio | 25.3737% | 877 |
| Memoranda: | ||
| Average total assets | $100,487,670 | 4,419 |
| Average earning assets | $94,762,330 | 4,367 |
| Average equity | $17,032,330 | 3,585 |
| Average total loans | $70,150,330 | 4,095 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6235% | 4,555 |
| Cost of funding earning assets | 0.1395% | 5,679 |
| Net interest margin | 3.4840% | 3,541 |
| Noninterest income to average assets | 2.9770% | 204 |
| Noninterest expense to average assets | 3.3220% | 1,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4283% | 984 |
| Return on assets (ROA) | 1.4283% | 1,030 |
| Pretax return on assets | 2.9609% | 135 |
| Return on Equity (ROE) | 8.3600% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.3600% | 1,317 |
| Net charge-offs to loans | 2.7617% | 45 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.4909% | 2,812 |
| Efficiency ratio | 52.8736% | 5,461 |
| Assets per employee ($millions) | 11.1971% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 3,070 |
| Loan loss allowance to noncurrent loans | 20.7149% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 8.7969% | 63 |
| Noncurrent loans to loans | 6.1191% | 138 |
| Net loans and leases to total assets | 69.8732% | 2,362 |
| Net loans and leases to deposits | 84.2958% | 2,274 |
| Net loans and leases to core deposits | 88.9560% | 2,460 |
| Total domestic deposits to total assets | 82.8904% | 3,940 |
| Equity capital to assets | 17.0798% | 415 |
| Core capital (leverage) ratio | 17.2950% | 348 |
| Tier 1 risk-based capital ratio | 87.3307% | 50 |
| Total risk-based capital ratio | 88.6194% | 50 |
| Memoranda: | ||
| Average total assets | $99,698,000 | 4,471 |
| Average earning assets | $94,604,500 | 4,407 |
| Average equity | $17,033,500 | 3,583 |
| Average total loans | $71,695,500 | 4,070 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2303% | 5,472 |
| Cost of funding earning assets | 0.0680% | 6,069 |
| Net interest margin | 3.1623% | 4,745 |
| Noninterest income to average assets | 0.4569% | 3,614 |
| Noninterest expense to average assets | 2.1409% | 5,169 |
| Loan and lease loss provision to assets | 0.3307% | 478 |
| Net operating income to assets | 1.0196% | 2,261 |
| Return on assets (ROA) | 1.0196% | 2,336 |
| Pretax return on assets | 1.0633% | 3,216 |
| Return on Equity (ROE) | 5.8488% | 4,105 |
| Retained earnings to average equity (ytd only) | 0.0117% | 5,500 |
| Net charge-offs to loans | 0.3428% | 863 |
| Credit loss provision to net charge-offs | 135.4167% | 1,935 |
| Earnings coverage of net charge-offs (x) | 5.7083% | 3,338 |
| Efficiency ratio | 60.5642% | 4,827 |
| Assets per employee ($millions) | 10.9580% | 203 |
| Cash dividends to net income (ytd only)* | 99.8004% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9411% | 895 |
| Loan loss allowance to noncurrent loans | 19.3606% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 7.9800% | 78 |
| Noncurrent loans to loans | 10.0259% | 43 |
| Net loans and leases to total assets | 71.6615% | 2,116 |
| Net loans and leases to deposits | 86.4789% | 2,065 |
| Net loans and leases to core deposits | 87.4159% | 2,661 |
| Total domestic deposits to total assets | 82.8659% | 3,879 |
| Equity capital to assets | 17.0905% | 397 |
| Core capital (leverage) ratio | 15.2223% | 578 |
| Tier 1 risk-based capital ratio | 66.2699% | 75 |
| Total risk-based capital ratio | 67.5878% | 75 |
| Memoranda: | ||
| Average total assets | $98,278,600 | 4,493 |
| Average earning assets | $95,657,400 | 4,397 |
| Average equity | $17,131,600 | 3,511 |
| Average total loans | $70,006,200 | 4,088 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1831% | 5,612 |
| Cost of funding earning assets | 0.0641% | 6,172 |
| Net interest margin | 3.1190% | 4,913 |
| Noninterest income to average assets | 0.4617% | 3,618 |
| Noninterest expense to average assets | 2.0951% | 5,282 |
| Loan and lease loss provision to assets | 0.4074% | 291 |
| Net operating income to assets | 0.9586% | 2,676 |
| Return on assets (ROA) | 0.9586% | 2,761 |
| Pretax return on assets | 0.9967% | 3,630 |
| Return on Equity (ROE) | 5.4725% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.4725% | 2,593 |
| Net charge-offs to loans | 0.3569% | 739 |
| Credit loss provision to net charge-offs | 161.2903% | 1,592 |
| Earnings coverage of net charge-offs (x) | 5.5592% | 3,187 |
| Efficiency ratio | 59.8758% | 4,908 |
| Assets per employee ($millions) | 11.3540% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0378% | 863 |
| Loan loss allowance to noncurrent loans | 21.8049% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 6.8532% | 116 |
| Noncurrent loans to loans | 9.3456% | 46 |
| Net loans and leases to total assets | 67.1795% | 2,829 |
| Net loans and leases to deposits | 81.1452% | 2,751 |
| Net loans and leases to core deposits | 82.8162% | 3,168 |
| Total domestic deposits to total assets | 82.7892% | 3,884 |
| Equity capital to assets | 17.1844% | 416 |
| Core capital (leverage) ratio | 17.1644% | 365 |
| Tier 1 risk-based capital ratio | 70.9483% | 70 |
| Total risk-based capital ratio | 72.2576% | 70 |
| Memoranda: | ||
| Average total assets | $98,192,750 | 4,545 |
| Average earning assets | $95,626,500 | 4,447 |
| Average equity | $17,200,750 | 3,529 |
| Average total loans | $69,489,500 | 4,144 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2201% | 5,588 |
| Cost of funding earning assets | 0.0637% | 6,242 |
| Net interest margin | 3.1564% | 4,805 |
| Noninterest income to average assets | 0.4728% | 3,542 |
| Noninterest expense to average assets | 2.0627% | 5,411 |
| Loan and lease loss provision to assets | 0.4646% | 225 |
| Net operating income to assets | 0.9849% | 2,473 |
| Return on assets (ROA) | 0.9849% | 2,581 |
| Pretax return on assets | 1.0159% | 3,518 |
| Return on Equity (ROE) | 5.5852% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.5852% | 2,481 |
| Net charge-offs to loans | 0.5513% | 444 |
| Credit loss provision to net charge-offs | 117.8010% | 1,828 |
| Earnings coverage of net charge-offs (x) | 3.7539% | 3,142 |
| Efficiency ratio | 58.2168% | 5,195 |
| Assets per employee ($millions) | 10.9297% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9355% | 1,098 |
| Loan loss allowance to noncurrent loans | 20.4614% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 7.2941% | 116 |
| Noncurrent loans to loans | 9.4593% | 60 |
| Net loans and leases to total assets | 69.4318% | 2,418 |
| Net loans and leases to deposits | 84.2977% | 2,278 |
| Net loans and leases to core deposits | 86.1098% | 2,753 |
| Total domestic deposits to total assets | 82.3650% | 4,162 |
| Equity capital to assets | 17.6177% | 371 |
| Core capital (leverage) ratio | 17.1261% | 354 |
| Tier 1 risk-based capital ratio | 70.0273% | 74 |
| Total risk-based capital ratio | 71.3288% | 74 |
| Memoranda: | ||
| Average total assets | $96,861,670 | 4,615 |
| Average earning assets | $94,220,000 | 4,518 |
| Average equity | $17,081,000 | 3,558 |
| Average total loans | $69,294,000 | 4,181 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2482% | 5,558 |
| Cost of funding earning assets | 0.0642% | 6,313 |
| Net interest margin | 3.1840% | 4,666 |
| Noninterest income to average assets | 0.5078% | 3,239 |
| Noninterest expense to average assets | 2.1101% | 5,354 |
| Loan and lease loss provision to assets | 0.6243% | 149 |
| Net operating income to assets | 0.8657% | 2,927 |
| Return on assets (ROA) | 0.8657% | 3,043 |
| Pretax return on assets | 0.8698% | 3,995 |
| Return on Equity (ROE) | 4.9067% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.9067% | 3,107 |
| Net charge-offs to loans | 0.7003% | 342 |
| Credit loss provision to net charge-offs | 123.9669% | 1,417 |
| Earnings coverage of net charge-offs (x) | 2.9669% | 2,674 |
| Efficiency ratio | 58.5450% | 5,273 |
| Assets per employee ($millions) | 10.8777% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8733% | 1,334 |
| Loan loss allowance to noncurrent loans | 19.9703% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 7.5517% | 111 |
| Noncurrent loans to loans | 9.3807% | 71 |
| Net loans and leases to total assets | 71.8567% | 1,829 |
| Net loans and leases to deposits | 87.0254% | 1,720 |
| Net loans and leases to core deposits | 88.9005% | 2,232 |
| Total domestic deposits to total assets | 82.5698% | 4,314 |
| Equity capital to assets | 17.4261% | 385 |
| Core capital (leverage) ratio | 17.8736% | 293 |
| Tier 1 risk-based capital ratio | 67.2826% | 85 |
| Total risk-based capital ratio | 68.5856% | 86 |
| Memoranda: | ||
| Average total assets | $96,109,000 | 4,664 |
| Average earning assets | $93,467,000 | 4,562 |
| Average equity | $16,956,500 | 3,595 |
| Average total loans | $69,118,000 | 4,201 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6355% | 4,980 |
| Cost of funding earning assets | 0.0709% | 6,397 |
| Net interest margin | 3.5646% | 3,544 |
| Noninterest income to average assets | 0.3955% | 4,214 |
| Noninterest expense to average assets | 1.9679% | 5,829 |
| Loan and lease loss provision to assets | 0.9543% | 121 |
| Net operating income to assets | 0.9225% | 2,763 |
| Return on assets (ROA) | 0.9225% | 2,861 |
| Pretax return on assets | 0.9363% | 3,756 |
| Return on Equity (ROE) | 5.0900% | 4,616 |
| Retained earnings to average equity (ytd only) | 0.4095% | 5,590 |
| Net charge-offs to loans | 0.7428% | 484 |
| Credit loss provision to net charge-offs | 182.9268% | 1,331 |
| Earnings coverage of net charge-offs (x) | 3.6240% | 3,844 |
| Efficiency ratio | 51.0030% | 6,042 |
| Assets per employee ($millions) | 10.4799% | 215 |
| Cash dividends to net income (ytd only)* | 91.9540% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9746% | 1,153 |
| Loan loss allowance to noncurrent loans | 18.8847% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 8.2104% | 115 |
| Noncurrent loans to loans | 10.4559% | 63 |
| Net loans and leases to total assets | 69.1610% | 2,370 |
| Net loans and leases to deposits | 84.2247% | 2,182 |
| Net loans and leases to core deposits | 86.1194% | 2,676 |
| Total domestic deposits to total assets | 82.1150% | 4,376 |
| Equity capital to assets | 17.8681% | 328 |
| Core capital (leverage) ratio | 17.8086% | 298 |
| Tier 1 risk-based capital ratio | 26.3435% | 734 |
| Total risk-based capital ratio | 27.5362% | 722 |
| Memoranda: | ||
| Average total assets | $94,312,000 | 4,745 |
| Average earning assets | $91,623,600 | 4,612 |
| Average equity | $17,092,400 | 3,514 |
| Average total loans | $66,237,000 | 4,290 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2619% | 5,824 |
| Cost of funding earning assets | 0.0728% | 6,475 |
| Net interest margin | 3.1892% | 5,001 |
| Noninterest income to average assets | 0.4284% | 4,034 |
| Noninterest expense to average assets | 1.8633% | 6,002 |
| Loan and lease loss provision to assets | 0.6362% | 205 |
| Net operating income to assets | 1.0108% | 2,406 |
| Return on assets (ROA) | 1.0108% | 2,463 |
| Pretax return on assets | 1.0264% | 3,486 |
| Return on Equity (ROE) | 5.5579% | 4,456 |
| Retained earnings to average equity (ytd only) | 5.5579% | 2,703 |
| Net charge-offs to loans | 0.3769% | 1,057 |
| Credit loss provision to net charge-offs | 240.6417% | 1,094 |
| Earnings coverage of net charge-offs (x) | 6.2887% | 3,108 |
| Efficiency ratio | 52.8468% | 5,937 |
| Assets per employee ($millions) | 10.4426% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8090% | 1,675 |
| Loan loss allowance to noncurrent loans | 29.8214% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 4.9371% | 354 |
| Noncurrent loans to loans | 6.0661% | 227 |
| Net loans and leases to total assets | 67.5143% | 2,608 |
| Net loans and leases to deposits | 82.9763% | 2,293 |
| Net loans and leases to core deposits | 85.2094% | 2,753 |
| Total domestic deposits to total assets | 81.3658% | 4,707 |
| Equity capital to assets | 18.6193% | 293 |
| Core capital (leverage) ratio | 17.9792% | 301 |
| Tier 1 risk-based capital ratio | 27.8412% | 651 |
| Total risk-based capital ratio | 29.0344% | 640 |
| Memoranda: | ||
| Average total assets | $94,310,250 | 4,788 |
| Average earning assets | $91,599,750 | 4,655 |
| Average equity | $17,152,250 | 3,523 |
| Average total loans | $66,159,750 | 4,327 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3021% | 5,790 |
| Cost of funding earning assets | 0.0720% | 6,544 |
| Net interest margin | 3.2301% | 4,844 |
| Noninterest income to average assets | 0.4215% | 4,082 |
| Noninterest expense to average assets | 1.8153% | 6,124 |
| Loan and lease loss provision to assets | 0.6355% | 221 |
| Net operating income to assets | 1.0866% | 1,986 |
| Return on assets (ROA) | 1.0866% | 2,045 |
| Pretax return on assets | 1.1057% | 3,082 |
| Return on Equity (ROE) | 6.0223% | 4,135 |
| Retained earnings to average equity (ytd only) | 6.0223% | 2,309 |
| Net charge-offs to loans | 0.7289% | 522 |
| Credit loss provision to net charge-offs | 123.4568% | 1,686 |
| Earnings coverage of net charge-offs (x) | 3.3827% | 3,320 |
| Efficiency ratio | 51.0423% | 6,121 |
| Assets per employee ($millions) | 12.0676% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 2,838 |
| Loan loss allowance to noncurrent loans | 24.4721% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 5.0113% | 358 |
| Noncurrent loans to loans | 6.1809% | 245 |
| Net loans and leases to total assets | 64.8812% | 2,925 |
| Net loans and leases to deposits | 79.0572% | 2,650 |
| Net loans and leases to core deposits | 81.1055% | 3,088 |
| Total domestic deposits to total assets | 82.0688% | 4,621 |
| Equity capital to assets | 17.9147% | 329 |
| Core capital (leverage) ratio | 18.1617% | 287 |
| Tier 1 risk-based capital ratio | 27.8731% | 653 |
| Total risk-based capital ratio | 29.1270% | 638 |
| Memoranda: | ||
| Average total assets | $94,419,330 | 4,816 |
| Average earning assets | $91,638,670 | 4,686 |
| Average equity | $17,036,670 | 3,540 |
| Average total loans | $66,672,670 | 4,337 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3792% | 5,693 |
| Cost of funding earning assets | 0.0708% | 6,624 |
| Net interest margin | 3.3085% | 4,498 |
| Noninterest income to average assets | 0.4242% | 3,996 |
| Noninterest expense to average assets | 1.8938% | 6,078 |
| Loan and lease loss provision to assets | 0.6427% | 194 |
| Net operating income to assets | 1.0626% | 1,957 |
| Return on assets (ROA) | 1.0626% | 2,029 |
| Pretax return on assets | 1.0926% | 2,942 |
| Return on Equity (ROE) | 5.8672% | 4,091 |
| Retained earnings to average equity (ytd only) | 5.8672% | 2,613 |
| Net charge-offs to loans | -0.0293% | 5,545 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1842% | 6,125 |
| Assets per employee ($millions) | 11.4420% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 2,963 |
| Loan loss allowance to noncurrent loans | 25.4254% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 5.7060% | 319 |
| Noncurrent loans to loans | 6.0637% | 297 |
| Net loans and leases to total assets | 74.0233% | 1,261 |
| Net loans and leases to deposits | 90.9613% | 1,042 |
| Net loans and leases to core deposits | 94.7545% | 1,488 |
| Total domestic deposits to total assets | 81.3789% | 5,131 |
| Equity capital to assets | 18.6069% | 279 |
| Core capital (leverage) ratio | 18.7445% | 261 |
| Tier 1 risk-based capital ratio | 25.7394% | 811 |
| Total risk-based capital ratio | 26.9922% | 790 |
| Memoranda: | ||
| Average total assets | $93,358,500 | 4,887 |
| Average earning assets | $90,434,500 | 4,766 |
| Average equity | $16,907,500 | 3,563 |
| Average total loans | $68,209,500 | 4,322 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1179% | 6,224 |
| Cost of funding earning assets | 0.0746% | 6,720 |
| Net interest margin | 3.0433% | 5,466 |
| Noninterest income to average assets | 0.4460% | 4,113 |
| Noninterest expense to average assets | 2.0207% | 5,992 |
| Loan and lease loss provision to assets | 0.1867% | 1,975 |
| Net operating income to assets | 1.1373% | 1,804 |
| Return on assets (ROA) | 1.1373% | 1,867 |
| Pretax return on assets | 1.1544% | 2,757 |
| Return on Equity (ROE) | 6.2642% | 3,932 |
| Retained earnings to average equity (ytd only) | 0.3878% | 5,672 |
| Net charge-offs to loans | 0.1753% | 3,076 |
| Credit loss provision to net charge-offs | 156.2500% | 1,479 |
| Earnings coverage of net charge-offs (x) | 11.2232% | 2,260 |
| Efficiency ratio | 60.1079% | 5,454 |
| Assets per employee ($millions) | 11.8976% | 142 |
| Cash dividends to net income (ytd only)* | 93.8086% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 3,937 |
| Loan loss allowance to noncurrent loans | 20.3641% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 5.8604% | 330 |
| Noncurrent loans to loans | 6.5814% | 275 |
| Net loans and leases to total assets | 70.0707% | 1,997 |
| Net loans and leases to deposits | 85.0949% | 1,799 |
| Net loans and leases to core deposits | 88.4583% | 2,195 |
| Total domestic deposits to total assets | 82.3442% | 4,753 |
| Equity capital to assets | 17.6327% | 342 |
| Core capital (leverage) ratio | 17.7174% | 314 |
| Tier 1 risk-based capital ratio | 24.7172% | 881 |
| Total risk-based capital ratio | 25.9617% | 872 |
| Memoranda: | ||
| Average total assets | $93,727,800 | 4,890 |
| Average earning assets | $89,804,400 | 4,775 |
| Average equity | $17,017,400 | 3,563 |
| Average total loans | $63,889,000 | 4,487 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0788% | 6,340 |
| Cost of funding earning assets | 0.0732% | 6,810 |
| Net interest margin | 3.0056% | 5,578 |
| Noninterest income to average assets | 0.4384% | 4,235 |
| Noninterest expense to average assets | 2.0378% | 5,951 |
| Loan and lease loss provision to assets | 0.1071% | 2,976 |
| Net operating income to assets | 1.1453% | 1,832 |
| Return on assets (ROA) | 1.1453% | 1,902 |
| Pretax return on assets | 1.1653% | 2,829 |
| Return on Equity (ROE) | 6.2621% | 4,039 |
| Retained earnings to average equity (ytd only) | 6.2621% | 2,257 |
| Net charge-offs to loans | 0.0614% | 4,024 |
| Credit loss provision to net charge-offs | 258.6207% | 964 |
| Earnings coverage of net charge-offs (x) | 30.7207% | 1,219 |
| Efficiency ratio | 61.5617% | 5,197 |
| Assets per employee ($millions) | 11.4060% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 3,929 |
| Loan loss allowance to noncurrent loans | 19.0609% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 6.3903% | 347 |
| Noncurrent loans to loans | 7.3026% | 273 |
| Net loans and leases to total assets | 69.0196% | 2,141 |
| Net loans and leases to deposits | 85.4381% | 1,684 |
| Net loans and leases to core deposits | 89.0376% | 2,074 |
| Total domestic deposits to total assets | 80.7831% | 5,275 |
| Equity capital to assets | 19.1993% | 243 |
| Core capital (leverage) ratio | 19.2092% | 231 |
| Tier 1 risk-based capital ratio | 27.1016% | 697 |
| Total risk-based capital ratio | 28.3531% | 680 |
| Memoranda: | ||
| Average total assets | $93,364,500 | 4,949 |
| Average earning assets | $89,209,750 | 4,843 |
| Average equity | $17,076,000 | 3,590 |
| Average total loans | $62,961,250 | 4,557 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9883% | 6,460 |
| Cost of funding earning assets | 0.0711% | 6,869 |
| Net interest margin | 2.9172% | 5,762 |
| Noninterest income to average assets | 0.4422% | 4,230 |
| Noninterest expense to average assets | 2.0304% | 5,986 |
| Loan and lease loss provision to assets | 0.1595% | 2,325 |
| Net operating income to assets | 1.0226% | 2,230 |
| Return on assets (ROA) | 1.0226% | 2,352 |
| Pretax return on assets | 1.0439% | 3,316 |
| Return on Equity (ROE) | 5.6828% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.6828% | 2,620 |
| Net charge-offs to loans | 0.0958% | 3,404 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 18.8667% | 1,535 |
| Efficiency ratio | 62.7876% | 5,052 |
| Assets per employee ($millions) | 12.0838% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 3,989 |
| Loan loss allowance to noncurrent loans | 20.5460% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 5.8219% | 481 |
| Noncurrent loans to loans | 6.8598% | 364 |
| Net loans and leases to total assets | 64.2567% | 2,875 |
| Net loans and leases to deposits | 78.1788% | 2,547 |
| Net loans and leases to core deposits | 80.9047% | 2,924 |
| Total domestic deposits to total assets | 82.1920% | 4,988 |
| Equity capital to assets | 17.7904% | 338 |
| Core capital (leverage) ratio | 18.2341% | 274 |
| Tier 1 risk-based capital ratio | 28.0720% | 623 |
| Total risk-based capital ratio | 29.3239% | 617 |
| Memoranda: | ||
| Average total assets | $94,070,000 | 4,959 |
| Average earning assets | $90,018,670 | 4,844 |
| Average equity | $16,928,330 | 3,632 |
| Average total loans | $62,659,000 | 4,582 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0169% | 6,498 |
| Cost of funding earning assets | 0.0725% | 6,948 |
| Net interest margin | 2.9445% | 5,720 |
| Noninterest income to average assets | 0.4226% | 4,299 |
| Noninterest expense to average assets | 2.2119% | 5,654 |
| Loan and lease loss provision to assets | 0.3234% | 1,040 |
| Net operating income to assets | 0.6511% | 3,958 |
| Return on assets (ROA) | 0.6511% | 4,113 |
| Pretax return on assets | 0.6899% | 4,621 |
| Return on Equity (ROE) | 3.5966% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.5966% | 4,086 |
| Net charge-offs to loans | 0.1280% | 2,644 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,651 |
| Efficiency ratio | 68.5829% | 4,210 |
| Assets per employee ($millions) | 10.1388% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 4,173 |
| Loan loss allowance to noncurrent loans | 20.4137% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 6.3639% | 480 |
| Noncurrent loans to loans | 6.9212% | 432 |
| Net loans and leases to total assets | 68.6692% | 1,896 |
| Net loans and leases to deposits | 84.2589% | 1,564 |
| Net loans and leases to core deposits | 86.8589% | 2,029 |
| Total domestic deposits to total assets | 81.4979% | 5,363 |
| Equity capital to assets | 18.4868% | 303 |
| Core capital (leverage) ratio | 18.7381% | 251 |
| Tier 1 risk-based capital ratio | 27.1857% | 689 |
| Total risk-based capital ratio | 28.4379% | 680 |
| Memoranda: | ||
| Average total assets | $92,770,000 | 5,031 |
| Average earning assets | $88,301,500 | 4,925 |
| Average equity | $16,793,500 | 3,699 |
| Average total loans | $62,486,000 | 4,619 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2533% | 6,629 |
| Cost of funding earning assets | 0.0798% | 7,016 |
| Net interest margin | 3.1734% | 5,636 |
| Noninterest income to average assets | 0.9851% | 1,579 |
| Noninterest expense to average assets | 2.3142% | 5,654 |
| Loan and lease loss provision to assets | 0.7455% | 676 |
| Net operating income to assets | 0.9084% | 2,779 |
| Return on assets (ROA) | 0.9084% | 3,017 |
| Pretax return on assets | 0.9319% | 3,803 |
| Return on Equity (ROE) | 5.0478% | 4,657 |
| Retained earnings to average equity (ytd only) | 0.3136% | 5,701 |
| Net charge-offs to loans | 1.0840% | 979 |
| Credit loss provision to net charge-offs | 99.8573% | 3,102 |
| Earnings coverage of net charge-offs (x) | 2.2468% | 4,296 |
| Efficiency ratio | 57.9776% | 5,832 |
| Assets per employee ($millions) | 10.4768% | 202 |
| Cash dividends to net income (ytd only)* | 93.7866% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 4,305 |
| Loan loss allowance to noncurrent loans | 34.1998% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 4.1361% | 1,021 |
| Noncurrent loans to loans | 4.0089% | 1,167 |
| Net loans and leases to total assets | 64.2394% | 2,863 |
| Net loans and leases to deposits | 78.1050% | 2,514 |
| Net loans and leases to core deposits | 80.4121% | 2,954 |
| Total domestic deposits to total assets | 82.2475% | 5,011 |
| Equity capital to assets | 17.7302% | 346 |
| Core capital (leverage) ratio | 18.2832% | 264 |
| Tier 1 risk-based capital ratio | 27.7362% | 643 |
| Total risk-based capital ratio | 28.9888% | 631 |
| Memoranda: | ||
| Average total assets | $93,899,200 | 4,989 |
| Average earning assets | $88,957,000 | 4,898 |
| Average equity | $16,898,400 | 3,646 |
| Average total loans | $64,666,400 | 4,554 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3034% | 6,723 |
| Cost of funding earning assets | 0.0810% | 7,130 |
| Net interest margin | 3.2224% | 5,643 |
| Noninterest income to average assets | 1.1414% | 1,166 |
| Noninterest expense to average assets | 2.2942% | 5,692 |
| Loan and lease loss provision to assets | 0.8884% | 503 |
| Net operating income to assets | 0.9822% | 2,602 |
| Return on assets (ROA) | 0.9822% | 2,827 |
| Pretax return on assets | 1.0120% | 3,664 |
| Return on Equity (ROE) | 5.4375% | 4,626 |
| Retained earnings to average equity (ytd only) | 5.4375% | 3,070 |
| Net charge-offs to loans | 1.1464% | 879 |
| Credit loss provision to net charge-offs | 111.0124% | 2,639 |
| Earnings coverage of net charge-offs (x) | 2.3748% | 4,090 |
| Efficiency ratio | 54.6933% | 6,177 |
| Assets per employee ($millions) | 8.9226% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 4,131 |
| Loan loss allowance to noncurrent loans | 35.6159% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 4.5099% | 1,027 |
| Noncurrent loans to loans | 4.0892% | 1,235 |
| Net loans and leases to total assets | 68.6280% | 2,189 |
| Net loans and leases to deposits | 85.2248% | 1,697 |
| Net loans and leases to core deposits | 88.2703% | 2,184 |
| Total domestic deposits to total assets | 80.5259% | 5,505 |
| Equity capital to assets | 19.4517% | 265 |
| Core capital (leverage) ratio | 18.5892% | 268 |
| Tier 1 risk-based capital ratio | 27.9116% | 666 |
| Total risk-based capital ratio | 29.1644% | 651 |
| Memoranda: | ||
| Average total assets | $93,801,250 | 5,041 |
| Average earning assets | $88,876,250 | 4,943 |
| Average equity | $16,943,500 | 3,671 |
| Average total loans | $65,479,500 | 4,577 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2751% | 6,828 |
| Cost of funding earning assets | 0.0820% | 7,193 |
| Net interest margin | 3.1931% | 5,763 |
| Noninterest income to average assets | 0.5434% | 3,630 |
| Noninterest expense to average assets | 2.2365% | 5,909 |
| Loan and lease loss provision to assets | 0.3147% | 2,094 |
| Net operating income to assets | 0.6252% | 4,252 |
| Return on assets (ROA) | 0.6252% | 4,499 |
| Pretax return on assets | 1.0134% | 3,655 |
| Return on Equity (ROE) | 3.5464% | 5,463 |
| Retained earnings to average equity (ytd only) | 3.5464% | 4,236 |
| Net charge-offs to loans | 0.2733% | 2,948 |
| Credit loss provision to net charge-offs | 164.8352% | 1,690 |
| Earnings coverage of net charge-offs (x) | 6.9560% | 2,555 |
| Efficiency ratio | 62.7428% | 5,124 |
| Assets per employee ($millions) | 9.5872% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 4,517 |
| Loan loss allowance to noncurrent loans | 31.0392% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 4.5780% | 1,072 |
| Noncurrent loans to loans | 4.4614% | 1,191 |
| Net loans and leases to total assets | 66.9997% | 2,464 |
| Net loans and leases to deposits | 81.4243% | 2,183 |
| Net loans and leases to core deposits | 84.1464% | 2,674 |
| Total domestic deposits to total assets | 82.2847% | 5,020 |
| Equity capital to assets | 17.6934% | 371 |
| Core capital (leverage) ratio | 17.9735% | 290 |
| Tier 1 risk-based capital ratio | 26.0316% | 800 |
| Total risk-based capital ratio | 27.2839% | 788 |
| Memoranda: | ||
| Average total assets | $95,326,330 | 5,025 |
| Average earning assets | $90,194,670 | 4,924 |
| Average equity | $16,806,000 | 3,681 |
| Average total loans | $66,593,000 | 4,539 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2743% | 6,906 |
| Cost of funding earning assets | 0.0754% | 7,261 |
| Net interest margin | 3.1989% | 5,783 |
| Noninterest income to average assets | 0.5176% | 3,794 |
| Noninterest expense to average assets | 2.3818% | 5,535 |
| Loan and lease loss provision to assets | 0.3156% | 1,985 |
| Net operating income to assets | 0.5260% | 4,707 |
| Return on assets (ROA) | 0.5260% | 4,917 |
| Pretax return on assets | 0.8543% | 4,216 |
| Return on Equity (ROE) | 2.9891% | 5,722 |
| Retained earnings to average equity (ytd only) | 2.9891% | 4,760 |
| Net charge-offs to loans | 0.0951% | 3,575 |
| Credit loss provision to net charge-offs | 468.7500% | 683 |
| Earnings coverage of net charge-offs (x) | 17.3750% | 1,306 |
| Efficiency ratio | 67.0616% | 4,345 |
| Assets per employee ($millions) | 8.6339% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 4,911 |
| Loan loss allowance to noncurrent loans | 22.0054% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 5.8775% | 810 |
| Noncurrent loans to loans | 6.0224% | 835 |
| Net loans and leases to total assets | 70.7159% | 1,628 |
| Net loans and leases to deposits | 85.9298% | 1,429 |
| Net loans and leases to core deposits | 88.4442% | 2,001 |
| Total domestic deposits to total assets | 82.2950% | 5,203 |
| Equity capital to assets | 17.6787% | 364 |
| Core capital (leverage) ratio | 17.6514% | 314 |
| Tier 1 risk-based capital ratio | 24.6199% | 941 |
| Total risk-based capital ratio | 25.8706% | 926 |
| Memoranda: | ||
| Average total assets | $95,053,500 | 5,063 |
| Average earning assets | $90,157,000 | 4,961 |
| Average equity | $16,727,500 | 3,686 |
| Average total loans | $67,321,500 | 4,538 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1759% | 7,131 |
| Cost of funding earning assets | 0.1235% | 7,291 |
| Net interest margin | 3.0523% | 6,446 |
| Noninterest income to average assets | 0.7645% | 2,264 |
| Noninterest expense to average assets | 4.4645% | 603 |
| Loan and lease loss provision to assets | 1.8022% | 369 |
| Net operating income to assets | -2.3236% | 7,082 |
| Return on assets (ROA) | -2.3236% | 7,096 |
| Pretax return on assets | -2.6438% | 7,140 |
| Return on Equity (ROE) | -15.7407% | 6,902 |
| Retained earnings to average equity (ytd only) | -15.7407% | 6,883 |
| Net charge-offs to loans | 4.8207% | 89 |
| Credit loss provision to net charge-offs | 59.3923% | 5,184 |
| Earnings coverage of net charge-offs (x) | -0.2773% | 5,998 |
| Efficiency ratio | 123.2300% | 281 |
| Assets per employee ($millions) | 8.6485% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 5,088 |
| Loan loss allowance to noncurrent loans | 30.1718% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 4.7081% | 1,159 |
| Noncurrent loans to loans | 4.1965% | 1,467 |
| Net loans and leases to total assets | 69.0994% | 2,199 |
| Net loans and leases to deposits | 83.7937% | 1,950 |
| Net loans and leases to core deposits | 86.2362% | 2,606 |
| Total domestic deposits to total assets | 82.4637% | 4,976 |
| Equity capital to assets | 17.5174% | 382 |
| Core capital (leverage) ratio | 14.5278% | 707 |
| Tier 1 risk-based capital ratio | 24.8472% | 882 |
| Total risk-based capital ratio | 26.0966% | 875 |
| Memoranda: | ||
| Average total assets | $119,296,400 | 4,417 |
| Average earning assets | $111,717,400 | 4,347 |
| Average equity | $17,610,400 | 3,490 |
| Average total loans | $75,093,600 | 4,309 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0879% | 7,237 |
| Cost of funding earning assets | 0.1389% | 7,364 |
| Net interest margin | 2.9490% | 6,671 |
| Noninterest income to average assets | 0.5308% | 3,647 |
| Noninterest expense to average assets | 4.7965% | 441 |
| Loan and lease loss provision to assets | 2.1275% | 242 |
| Net operating income to assets | -3.6370% | 7,310 |
| Return on assets (ROA) | -3.6370% | 7,313 |
| Pretax return on assets | -3.6370% | 7,311 |
| Return on Equity (ROE) | -25.5427% | 7,171 |
| Retained earnings to average equity (ytd only) | -25.5427% | 7,161 |
| Net charge-offs to loans | 6.1294% | 55 |
| Credit loss provision to net charge-offs | 56.3380% | 4,888 |
| Earnings coverage of net charge-offs (x) | -0.3997% | 5,799 |
| Efficiency ratio | 145.9223% | 155 |
| Assets per employee ($millions) | 6.6286% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,961 |
| Loan loss allowance to noncurrent loans | 28.3117% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 4.0464% | 1,514 |
| Noncurrent loans to loans | 3.8140% | 1,764 |
| Net loans and leases to total assets | 58.5819% | 4,399 |
| Net loans and leases to deposits | 67.6877% | 4,663 |
| Net loans and leases to core deposits | 69.5202% | 5,004 |
| Total domestic deposits to total assets | 86.5474% | 2,909 |
| Equity capital to assets | 13.4250% | 1,402 |
| Core capital (leverage) ratio | 13.0451% | 1,216 |
| Tier 1 risk-based capital ratio | 23.0478% | 1,144 |
| Total risk-based capital ratio | 24.1457% | 1,141 |
| Memoranda: | ||
| Average total assets | $125,337,000 | 4,290 |
| Average earning assets | $117,143,500 | 4,219 |
| Average equity | $17,846,750 | 3,447 |
| Average total loans | $77,222,000 | 4,273 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1225% | 7,309 |
| Cost of funding earning assets | 0.1554% | 7,439 |
| Net interest margin | 2.9671% | 6,665 |
| Noninterest income to average assets | 0.5560% | 3,426 |
| Noninterest expense to average assets | 5.8974% | 206 |
| Loan and lease loss provision to assets | 2.3558% | 228 |
| Net operating income to assets | -4.9378% | 7,437 |
| Return on assets (ROA) | -4.9378% | 7,438 |
| Pretax return on assets | -4.9378% | 7,434 |
| Return on Equity (ROE) | -34.0696% | 7,276 |
| Retained earnings to average equity (ytd only) | -34.0696% | 7,269 |
| Net charge-offs to loans | 5.9288% | 88 |
| Credit loss provision to net charge-offs | 63.7213% | 4,247 |
| Earnings coverage of net charge-offs (x) | -0.6984% | 5,578 |
| Efficiency ratio | 177.8778% | 87 |
| Assets per employee ($millions) | 6.6025% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9812% | 2,422 |
| Loan loss allowance to noncurrent loans | 61.3025% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 3.8175% | 1,698 |
| Noncurrent loans to loans | 3.2318% | 2,213 |
| Net loans and leases to total assets | 57.5422% | 4,717 |
| Net loans and leases to deposits | 66.1598% | 4,984 |
| Net loans and leases to core deposits | 67.8660% | 5,302 |
| Total domestic deposits to total assets | 86.9746% | 2,751 |
| Equity capital to assets | 12.9880% | 1,519 |
| Core capital (leverage) ratio | 12.6618% | 1,300 |
| Tier 1 risk-based capital ratio | 21.2060% | 1,381 |
| Total risk-based capital ratio | 22.4646% | 1,359 |
| Memoranda: | ||
| Average total assets | $127,344,330 | 4,278 |
| Average earning assets | $118,430,670 | 4,222 |
| Average equity | $18,456,330 | 3,341 |
| Average total loans | $79,409,330 | 4,238 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1857% | 7,342 |
| Cost of funding earning assets | 0.1799% | 7,486 |
| Net interest margin | 3.0058% | 6,560 |
| Noninterest income to average assets | 0.5862% | 3,264 |
| Noninterest expense to average assets | 2.3010% | 6,184 |
| Loan and lease loss provision to assets | 0.4677% | 1,880 |
| Net operating income to assets | 0.6298% | 3,868 |
| Return on assets (ROA) | 0.6298% | 3,935 |
| Pretax return on assets | 0.6298% | 4,571 |
| Return on Equity (ROE) | 4.1355% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.1355% | 3,684 |
| Net charge-offs to loans | 0.6222% | 1,955 |
| Credit loss provision to net charge-offs | 117.1875% | 2,313 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 2,980 |
| Efficiency ratio | 67.7064% | 4,709 |
| Assets per employee ($millions) | 6.8849% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9171% | 993 |
| Loan loss allowance to noncurrent loans | 63.9726% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 4.6318% | 1,389 |
| Noncurrent loans to loans | 4.5599% | 1,527 |
| Net loans and leases to total assets | 59.4057% | 4,384 |
| Net loans and leases to deposits | 69.9406% | 4,348 |
| Net loans and leases to core deposits | 71.8834% | 4,806 |
| Total domestic deposits to total assets | 84.9374% | 4,062 |
| Equity capital to assets | 15.0129% | 765 |
| Core capital (leverage) ratio | 15.3611% | 594 |
| Tier 1 risk-based capital ratio | 24.3584% | 936 |
| Total risk-based capital ratio | 25.6285% | 921 |
| Memoranda: | ||
| Average total assets | $128,293,000 | 4,300 |
| Average earning assets | $120,036,500 | 4,220 |
| Average equity | $19,538,000 | 3,182 |
| Average total loans | $82,292,000 | 4,188 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6166% | 7,340 |
| Cost of funding earning assets | 0.3013% | 7,503 |
| Net interest margin | 3.3154% | 5,935 |
| Noninterest income to average assets | 2.2003% | 338 |
| Noninterest expense to average assets | 2.8350% | 4,455 |
| Loan and lease loss provision to assets | 6.0559% | 39 |
| Net operating income to assets | -3.5969% | 7,387 |
| Return on assets (ROA) | -3.5969% | 7,403 |
| Pretax return on assets | -3.5969% | 7,387 |
| Return on Equity (ROE) | -19.8881% | 7,037 |
| Retained earnings to average equity (ytd only) | -24.0219% | 7,090 |
| Net charge-offs to loans | 8.4176% | 29 |
| Credit loss provision to net charge-offs | 105.1402% | 4,263 |
| Earnings coverage of net charge-offs (x) | 0.4269% | 5,681 |
| Efficiency ratio | 53.5518% | 6,844 |
| Assets per employee ($millions) | 6.2886% | 1,040 |
| Cash dividends to net income (ytd only)* | -20.7857% | 7,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7360% | 1,133 |
| Loan loss allowance to noncurrent loans | 79.4845% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 4.2291% | 1,583 |
| Noncurrent loans to loans | 3.4422% | 2,205 |
| Net loans and leases to total assets | 65.3762% | 3,586 |
| Net loans and leases to deposits | 77.3955% | 3,608 |
| Net loans and leases to core deposits | 80.1187% | 4,194 |
| Total domestic deposits to total assets | 84.4703% | 4,134 |
| Equity capital to assets | 15.4542% | 689 |
| Core capital (leverage) ratio | 13.8519% | 872 |
| Tier 1 risk-based capital ratio | 23.0010% | 1,038 |
| Total risk-based capital ratio | 24.2696% | 1,014 |
| Memoranda: | ||
| Average total assets | $133,754,800 | 4,185 |
| Average earning assets | $124,812,400 | 4,138 |
| Average equity | $24,190,400 | 2,640 |
| Average total loans | $91,522,400 | 4,022 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 7,449 |
| Cost of funding earning assets | 0.3217% | 7,623 |
| Net interest margin | 3.3740% | 5,770 |
| Noninterest income to average assets | 2.7245% | 248 |
| Noninterest expense to average assets | 2.3160% | 6,272 |
| Loan and lease loss provision to assets | 2.6028% | 387 |
| Net operating income to assets | 0.9134% | 2,557 |
| Return on assets (ROA) | 0.9134% | 2,704 |
| Pretax return on assets | 0.9478% | 3,377 |
| Return on Equity (ROE) | 4.8859% | 4,346 |
| Retained earnings to average equity (ytd only) | 0.1576% | 5,710 |
| Net charge-offs to loans | 3.4880% | 390 |
| Credit loss provision to net charge-offs | 108.6066% | 3,921 |
| Earnings coverage of net charge-offs (x) | 1.4816% | 4,617 |
| Efficiency ratio | 39.4776% | 7,591 |
| Assets per employee ($millions) | 6.9464% | 786 |
| Cash dividends to net income (ytd only)* | 96.7741% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4443% | 1,405 |
| Loan loss allowance to noncurrent loans | 135.9105% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 3.2996% | 2,161 |
| Noncurrent loans to loans | 1.7985% | 3,950 |
| Net loans and leases to total assets | 61.1055% | 4,695 |
| Net loans and leases to deposits | 74.7670% | 4,386 |
| Net loans and leases to core deposits | 77.2792% | 4,891 |
| Total domestic deposits to total assets | 81.7278% | 5,105 |
| Equity capital to assets | 18.1952% | 400 |
| Core capital (leverage) ratio | 18.5247% | 321 |
| Tier 1 risk-based capital ratio | 26.7255% | 722 |
| Total risk-based capital ratio | 27.9878% | 695 |
| Memoranda: | ||
| Average total assets | $135,750,500 | 4,196 |
| Average earning assets | $126,413,750 | 4,148 |
| Average equity | $25,378,750 | 2,555 |
| Average total loans | $93,268,500 | 4,046 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7523% | 7,509 |
| Cost of funding earning assets | 0.3309% | 7,698 |
| Net interest margin | 3.4214% | 5,556 |
| Noninterest income to average assets | 3.8250% | 172 |
| Noninterest expense to average assets | 2.4189% | 6,013 |
| Loan and lease loss provision to assets | 3.7122% | 224 |
| Net operating income to assets | 0.8776% | 2,629 |
| Return on assets (ROA) | 0.8776% | 2,763 |
| Pretax return on assets | 0.9028% | 3,480 |
| Return on Equity (ROE) | 4.6513% | 4,462 |
| Retained earnings to average equity (ytd only) | 2.2902% | 4,699 |
| Net charge-offs to loans | 1.5186% | 1,258 |
| Credit loss provision to net charge-offs | 345.3039% | 1,058 |
| Earnings coverage of net charge-offs (x) | 4.2928% | 3,000 |
| Efficiency ratio | 34.3889% | 7,714 |
| Assets per employee ($millions) | 7.0861% | 740 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8786% | 406 |
| Loan loss allowance to noncurrent loans | 50.9028% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 7.7120% | 657 |
| Noncurrent loans to loans | 7.6197% | 698 |
| Net loans and leases to total assets | 67.9771% | 3,369 |
| Net loans and leases to deposits | 83.9843% | 2,871 |
| Net loans and leases to core deposits | 86.9137% | 3,713 |
| Total domestic deposits to total assets | 80.9403% | 5,421 |
| Equity capital to assets | 18.9691% | 345 |
| Core capital (leverage) ratio | 18.8816% | 297 |
| Tier 1 risk-based capital ratio | 26.0198% | 769 |
| Total risk-based capital ratio | 27.3005% | 758 |
| Memoranda: | ||
| Average total assets | $134,691,670 | 4,251 |
| Average earning assets | $126,321,330 | 4,174 |
| Average equity | $25,412,330 | 2,548 |
| Average total loans | $95,351,670 | 4,031 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 7,498 |
| Cost of funding earning assets | 0.3295% | 7,808 |
| Net interest margin | 3.6123% | 4,673 |
| Noninterest income to average assets | 0.5819% | 3,401 |
| Noninterest expense to average assets | 2.6336% | 5,213 |
| Loan and lease loss provision to assets | 0.7423% | 1,716 |
| Net operating income to assets | 0.5998% | 3,898 |
| Return on assets (ROA) | 0.5998% | 4,042 |
| Pretax return on assets | 0.5909% | 4,645 |
| Return on Equity (ROE) | 3.1875% | 5,257 |
| Retained earnings to average equity (ytd only) | 3.1875% | 4,232 |
| Net charge-offs to loans | 0.5575% | 2,409 |
| Credit loss provision to net charge-offs | 187.9699% | 1,947 |
| Earnings coverage of net charge-offs (x) | 3.3759% | 2,926 |
| Efficiency ratio | 66.3922% | 5,033 |
| Assets per employee ($millions) | 6.7122% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1145% | 1,929 |
| Loan loss allowance to noncurrent loans | 325.4400% | 931 |
| Noncurrent assets plus other real estate owned to assets | 3.0951% | 2,310 |
| Noncurrent loans to loans | 0.6497% | 6,024 |
| Net loans and leases to total assets | 70.1407% | 2,898 |
| Net loans and leases to deposits | 86.6443% | 2,477 |
| Net loans and leases to core deposits | 89.7171% | 3,403 |
| Total domestic deposits to total assets | 80.9525% | 5,477 |
| Equity capital to assets | 18.9582% | 343 |
| Core capital (leverage) ratio | 19.2316% | 297 |
| Tier 1 risk-based capital ratio | 24.7109% | 895 |
| Total risk-based capital ratio | 25.9702% | 870 |
| Memoranda: | ||
| Average total assets | $134,720,000 | 4,308 |
| Average earning assets | $126,236,500 | 4,238 |
| Average equity | $25,349,000 | 2,576 |
| Average total loans | $95,420,500 | 4,086 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 7,717 |
| Cost of funding earning assets | 0.4124% | 7,869 |
| Net interest margin | 3.5304% | 4,817 |
| Noninterest income to average assets | 0.5807% | 3,784 |
| Noninterest expense to average assets | 2.7258% | 5,269 |
| Loan and lease loss provision to assets | 0.9508% | 2,368 |
| Net operating income to assets | 0.2472% | 4,729 |
| Return on assets (ROA) | 0.2472% | 4,809 |
| Pretax return on assets | 0.2472% | 4,895 |
| Return on Equity (ROE) | 1.3088% | 5,143 |
| Retained earnings to average equity (ytd only) | -2.9506% | 5,692 |
| Net charge-offs to loans | 0.3393% | 4,530 |
| Credit loss provision to net charge-offs | 412.6984% | 765 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,662 |
| Efficiency ratio | 69.4688% | 4,735 |
| Assets per employee ($millions) | 6.7599% | 881 |
| Cash dividends to net income (ytd only)* | 325.4438% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0254% | 1,965 |
| Loan loss allowance to noncurrent loans | 141.1635% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 2.6325% | 2,670 |
| Noncurrent loans to loans | 1.4348% | 4,521 |
| Net loans and leases to total assets | 68.5895% | 3,574 |
| Net loans and leases to deposits | 84.4445% | 3,190 |
| Net loans and leases to core deposits | 91.6305% | 4,935 |
| Total domestic deposits to total assets | 81.2244% | 5,258 |
| Equity capital to assets | 18.6750% | 392 |
| Core capital (leverage) ratio | 18.4021% | 372 |
| Tier 1 risk-based capital ratio | 25.0434% | 839 |
| Total risk-based capital ratio | 26.3011% | 815 |
| Memoranda: | ||
| Average total assets | $136,729,200 | 4,197 |
| Average earning assets | $129,475,600 | 4,097 |
| Average equity | $25,825,000 | 2,541 |
| Average total loans | $92,847,800 | 4,138 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 7,829 |
| Cost of funding earning assets | 0.4327% | 7,964 |
| Net interest margin | 3.4862% | 4,919 |
| Noninterest income to average assets | 0.5834% | 3,833 |
| Noninterest expense to average assets | 2.6216% | 5,633 |
| Loan and lease loss provision to assets | 0.4376% | 3,719 |
| Net operating income to assets | 0.8304% | 2,694 |
| Return on assets (ROA) | 0.8304% | 2,754 |
| Pretax return on assets | 0.8304% | 3,445 |
| Return on Equity (ROE) | 4.3846% | 4,217 |
| Retained earnings to average equity (ytd only) | -0.2362% | 5,273 |
| Net charge-offs to loans | 0.2511% | 4,480 |
| Credit loss provision to net charge-offs | 258.6207% | 1,653 |
| Earnings coverage of net charge-offs (x) | 7.4944% | 2,395 |
| Efficiency ratio | 67.4000% | 5,099 |
| Assets per employee ($millions) | 6.5882% | 944 |
| Cash dividends to net income (ytd only)* | 105.3863% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 4,288 |
| Loan loss allowance to noncurrent loans | 76.9917% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 2.9916% | 2,317 |
| Noncurrent loans to loans | 1.7340% | 4,034 |
| Net loans and leases to total assets | 64.5274% | 4,743 |
| Net loans and leases to deposits | 79.5288% | 4,472 |
| Net loans and leases to core deposits | 86.2111% | 5,845 |
| Total domestic deposits to total assets | 81.1372% | 5,018 |
| Equity capital to assets | 18.7666% | 439 |
| Core capital (leverage) ratio | 19.0978% | 372 |
| Tier 1 risk-based capital ratio | 26.6524% | 781 |
| Total risk-based capital ratio | 27.8925% | 756 |
| Memoranda: | ||
| Average total assets | $137,112,250 | 4,210 |
| Average earning assets | $130,032,750 | 4,102 |
| Average equity | $25,969,250 | 2,558 |
| Average total loans | $92,397,750 | 4,189 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 7,951 |
| Cost of funding earning assets | 0.4606% | 8,054 |
| Net interest margin | 3.4167% | 5,105 |
| Noninterest income to average assets | 0.5662% | 3,919 |
| Noninterest expense to average assets | 2.5721% | 5,851 |
| Loan and lease loss provision to assets | 0.4389% | 3,358 |
| Net operating income to assets | 0.8003% | 2,857 |
| Return on assets (ROA) | 0.8003% | 2,951 |
| Pretax return on assets | 0.8003% | 3,671 |
| Return on Equity (ROE) | 4.2124% | 4,414 |
| Retained earnings to average equity (ytd only) | -0.4081% | 5,324 |
| Net charge-offs to loans | 0.3225% | 3,567 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 5.6467% | 2,792 |
| Efficiency ratio | 67.4856% | 5,257 |
| Assets per employee ($millions) | 6.3240% | 1,043 |
| Cash dividends to net income (ytd only)* | 109.6892% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 5,279 |
| Loan loss allowance to noncurrent loans | 29.1409% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 3.2747% | 1,895 |
| Noncurrent loans to loans | 3.9413% | 1,730 |
| Net loans and leases to total assets | 66.9348% | 4,372 |
| Net loans and leases to deposits | 82.4487% | 4,150 |
| Net loans and leases to core deposits | 89.2139% | 5,608 |
| Total domestic deposits to total assets | 81.1835% | 5,007 |
| Equity capital to assets | 18.6569% | 486 |
| Core capital (leverage) ratio | 19.1213% | 408 |
| Tier 1 risk-based capital ratio | 25.7250% | 878 |
| Total risk-based capital ratio | 26.7973% | 876 |
| Memoranda: | ||
| Average total assets | $136,699,000 | 4,242 |
| Average earning assets | $129,831,330 | 4,139 |
| Average equity | $25,971,000 | 2,558 |
| Average total loans | $93,036,000 | 4,200 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7381% | 8,053 |
| Cost of funding earning assets | 0.5055% | 8,098 |
| Net interest margin | 3.2326% | 5,748 |
| Noninterest income to average assets | 0.5993% | 3,555 |
| Noninterest expense to average assets | 2.4948% | 5,858 |
| Loan and lease loss provision to assets | 0.4429% | 2,711 |
| Net operating income to assets | 0.6968% | 3,574 |
| Return on assets (ROA) | 0.6968% | 3,761 |
| Pretax return on assets | 0.7204% | 4,358 |
| Return on Equity (ROE) | 3.6338% | 5,116 |
| Retained earnings to average equity (ytd only) | -0.9854% | 5,884 |
| Net charge-offs to loans | 0.1168% | 4,034 |
| Credit loss provision to net charge-offs | 555.5556% | 1,007 |
| Earnings coverage of net charge-offs (x) | 14.5926% | 1,656 |
| Efficiency ratio | 68.2002% | 4,923 |
| Assets per employee ($millions) | 6.4765% | 975 |
| Cash dividends to net income (ytd only)* | 127.1186% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 5,212 |
| Loan loss allowance to noncurrent loans | 31.9503% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 3.5116% | 1,527 |
| Noncurrent loans to loans | 3.5570% | 1,774 |
| Net loans and leases to total assets | 67.4794% | 4,247 |
| Net loans and leases to deposits | 83.5390% | 4,052 |
| Net loans and leases to core deposits | 91.0476% | 5,452 |
| Total domestic deposits to total assets | 80.7758% | 5,055 |
| Equity capital to assets | 19.0771% | 485 |
| Core capital (leverage) ratio | 19.6467% | 413 |
| Tier 1 risk-based capital ratio | 25.6975% | 916 |
| Total risk-based capital ratio | 26.7424% | 909 |
| Memoranda: | ||
| Average total assets | $135,484,500 | 4,301 |
| Average earning assets | $128,193,500 | 4,188 |
| Average equity | $25,978,000 | 2,573 |
| Average total loans | $92,450,500 | 4,246 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6519% | 6,927 |
| Cost of funding earning assets | 1.3104% | 7,840 |
| Net interest margin | 4.3414% | 1,853 |
| Noninterest income to average assets | 0.6370% | 3,583 |
| Noninterest expense to average assets | 2.6143% | 5,596 |
| Loan and lease loss provision to assets | 1.0517% | 1,392 |
| Net operating income to assets | 0.9218% | 2,908 |
| Return on assets (ROA) | 0.9218% | 2,759 |
| Pretax return on assets | 1.0104% | 3,344 |
| Return on Equity (ROE) | 4.6206% | 4,550 |
| Retained earnings to average equity (ytd only) | -1.7812% | 5,810 |
| Net charge-offs to loans | 0.8555% | 1,468 |
| Credit loss provision to net charge-offs | 180.6452% | 2,783 |
| Earnings coverage of net charge-offs (x) | 3.5419% | 4,320 |
| Efficiency ratio | 55.9036% | 7,024 |
| Assets per employee ($millions) | 6.1347% | 1,066 |
| Cash dividends to net income (ytd only)* | 138.5493% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 5,910 |
| Loan loss allowance to noncurrent loans | 39.6934% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 2.0287% | 2,427 |
| Noncurrent loans to loans | 2.5502% | 2,133 |
| Net loans and leases to total assets | 67.5281% | 4,550 |
| Net loans and leases to deposits | 83.8467% | 4,446 |
| Net loans and leases to core deposits | 92.6256% | 5,576 |
| Total domestic deposits to total assets | 80.5376% | 4,826 |
| Equity capital to assets | 19.2719% | 524 |
| Core capital (leverage) ratio | 19.5005% | 468 |
| Tier 1 risk-based capital ratio | 26.2831% | 879 |
| Total risk-based capital ratio | 27.2249% | 886 |
| Memoranda: | ||
| Average total assets | $133,116,200 | 4,217 |
| Average earning assets | $123,853,000 | 4,175 |
| Average equity | $26,555,000 | 2,509 |
| Average total loans | $90,588,800 | 4,210 |