Home > Texas Advantage Community Bank > Performance and Condition Ratios
Texas Advantage Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2468% | 1,582 |
| Cost of funding earning assets | 1.4611% | 2,046 |
| Net interest margin | 3.7857% | 1,587 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.5025% | 2,290 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.0071% | 2,201 |
| Return on assets (ROA) | 1.0067% | 2,188 |
| Pretax return on assets | 1.2004% | 2,137 |
| Return on Equity (ROE) | 10.8600% | 2,266 |
| Retained earnings to average equity (ytd only) | 10.8634% | 825 |
| Net charge-offs to loans | -0.0033% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.8166% | 2,507 |
| Assets per employee ($millions) | 6.7089% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 3,633 |
| Loan loss allowance to noncurrent loans | 88.2739% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 984 |
| Noncurrent loans to loans | 1.0465% | 706 |
| Net loans and leases to total assets | 53.7300% | 3,371 |
| Net loans and leases to deposits | 60.0358% | 3,522 |
| Net loans and leases to core deposits | 63.3792% | 3,617 |
| Total domestic deposits to total assets | 89.4900% | 909 |
| Equity capital to assets | 9.8627% | 2,088 |
| Core capital (leverage) ratio | 10.3751% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1983% | 880 |
| Memoranda: | ||
| Average total assets | $189,932,800 | 3,054 |
| Average earning assets | $177,402,400 | 3,034 |
| Average equity | $17,600,400 | 3,047 |
| Average total loans | $92,145,800 | 3,259 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2055% | 1,442 |
| Cost of funding earning assets | 1.3208% | 2,093 |
| Net interest margin | 3.8847% | 1,432 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.4376% | 2,416 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2495% | 1,651 |
| Return on assets (ROA) | 1.2489% | 1,645 |
| Pretax return on assets | 1.4638% | 1,649 |
| Return on Equity (ROE) | 13.6900% | 1,737 |
| Retained earnings to average equity (ytd only) | 13.6948% | 715 |
| Net charge-offs to loans | -0.0030% | 3,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.5738% | 2,772 |
| Assets per employee ($millions) | 7.1092% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 4,053 |
| Loan loss allowance to noncurrent loans | 71.2151% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 1,075 |
| Noncurrent loans to loans | 1.0674% | 747 |
| Net loans and leases to total assets | 50.5000% | 3,585 |
| Net loans and leases to deposits | 56.3758% | 3,693 |
| Net loans and leases to core deposits | 59.1545% | 3,734 |
| Total domestic deposits to total assets | 89.5800% | 1,043 |
| Equity capital to assets | 9.5986% | 2,043 |
| Core capital (leverage) ratio | 10.0069% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2396% | 422 |
| Memoranda: | ||
| Average total assets | $190,453,750 | 3,060 |
| Average earning assets | $177,065,000 | 3,039 |
| Average equity | $17,368,750 | 3,054 |
| Average total loans | $89,715,750 | 3,293 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 1,531 |
| Cost of funding earning assets | 1.1159% | 2,229 |
| Net interest margin | 3.9058% | 1,417 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.4323% | 2,400 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.2748% | 1,633 |
| Return on assets (ROA) | 1.2739% | 1,624 |
| Pretax return on assets | 1.4943% | 1,611 |
| Return on Equity (ROE) | 14.2100% | 1,640 |
| Retained earnings to average equity (ytd only) | 14.2076% | 657 |
| Net charge-offs to loans | -0.0045% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.1024% | 2,829 |
| Assets per employee ($millions) | 7.5283% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7730% | 4,069 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 44.9200% | 3,843 |
| Net loans and leases to deposits | 49.7415% | 3,926 |
| Net loans and leases to core deposits | 51.8682% | 3,960 |
| Total domestic deposits to total assets | 90.3100% | 835 |
| Equity capital to assets | 9.0107% | 2,513 |
| Core capital (leverage) ratio | 9.6779% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4753% | 460 |
| Memoranda: | ||
| Average total assets | $192,325,333 | 3,048 |
| Average earning assets | $177,788,333 | 3,039 |
| Average equity | $17,244,333 | 3,084 |
| Average total loans | $88,267,000 | 3,317 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9476% | 1,329 |
| Cost of funding earning assets | 0.8634% | 2,495 |
| Net interest margin | 4.0843% | 1,124 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.2516% | 2,955 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.4458% | 1,297 |
| Return on assets (ROA) | 1.4458% | 1,268 |
| Pretax return on assets | 1.6997% | 1,273 |
| Return on Equity (ROE) | 16.1700% | 1,322 |
| Retained earnings to average equity (ytd only) | 16.1661% | 675 |
| Net charge-offs to loans | -0.0045% | 3,607 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.3550% | 3,371 |
| Assets per employee ($millions) | 7.2499% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 4,194 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 46.5900% | 3,743 |
| Net loans and leases to deposits | 51.6593% | 3,814 |
| Net loans and leases to core deposits | 53.7042% | 3,846 |
| Total domestic deposits to total assets | 90.2000% | 1,086 |
| Equity capital to assets | 9.2256% | 2,340 |
| Core capital (leverage) ratio | 9.4599% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6235% | 522 |
| Memoranda: | ||
| Average total assets | $190,620,500 | 3,099 |
| Average earning assets | $173,740,000 | 3,113 |
| Average equity | $17,048,000 | 3,126 |
| Average total loans | $88,093,500 | 3,352 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 1,649 |
| Cost of funding earning assets | 0.4103% | 2,010 |
| Net interest margin | 3.6159% | 1,601 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.2720% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1327% | 2,042 |
| Return on assets (ROA) | 1.1327% | 1,987 |
| Pretax return on assets | 1.3416% | 1,953 |
| Return on Equity (ROE) | 13.0300% | 1,803 |
| Retained earnings to average equity (ytd only) | 13.0272% | 510 |
| Net charge-offs to loans | 0.0157% | 1,801 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 173.3571% | 720 |
| Efficiency ratio | 62.8729% | 2,647 |
| Assets per employee ($millions) | 7.7098% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7445% | 4,148 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 45.1600% | 3,839 |
| Net loans and leases to deposits | 49.7409% | 3,908 |
| Net loans and leases to core deposits | 51.5681% | 3,922 |
| Total domestic deposits to total assets | 90.8000% | 1,023 |
| Equity capital to assets | 8.6675% | 2,583 |
| Core capital (leverage) ratio | 8.9850% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7834% | 646 |
| Memoranda: | ||
| Average total assets | $180,896,800 | 3,182 |
| Average earning assets | $143,062,400 | 3,393 |
| Average equity | $15,728,600 | 3,301 |
| Average total loans | $89,183,000 | 3,300 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8612% | 1,580 |
| Cost of funding earning assets | 0.3461% | 1,739 |
| Net interest margin | 3.5151% | 1,626 |
| Noninterest income to average assets | 0.7500% | 1,155 |
| Noninterest expense to average assets | 2.2862% | 2,668 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9831% | 2,536 |
| Return on assets (ROA) | 0.9831% | 2,515 |
| Pretax return on assets | 1.1644% | 2,503 |
| Return on Equity (ROE) | 11.3000% | 2,271 |
| Retained earnings to average equity (ytd only) | 11.2972% | 969 |
| Net charge-offs to loans | 0.0194% | 1,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 119.5385% | 849 |
| Efficiency ratio | 66.2541% | 2,246 |
| Assets per employee ($millions) | 7.9057% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7455% | 4,190 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 44.0500% | 3,875 |
| Net loans and leases to deposits | 47.9741% | 3,953 |
| Net loans and leases to core deposits | 49.6706% | 3,974 |
| Total domestic deposits to total assets | 91.8300% | 931 |
| Equity capital to assets | 8.0236% | 2,873 |
| Core capital (leverage) ratio | 8.6429% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9502% | 734 |
| Memoranda: | ||
| Average total assets | $177,935,000 | 3,226 |
| Average earning assets | $136,777,000 | 3,479 |
| Average equity | $15,484,250 | 3,365 |
| Average total loans | $89,552,750 | 3,303 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 1,225 |
| Cost of funding earning assets | 0.3734% | 1,090 |
| Net interest margin | 3.4642% | 1,410 |
| Noninterest income to average assets | 0.3233% | 3,239 |
| Noninterest expense to average assets | 2.2315% | 2,760 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5240% | 3,833 |
| Return on assets (ROA) | 0.5240% | 3,786 |
| Pretax return on assets | 0.5824% | 3,847 |
| Return on Equity (ROE) | 5.8465% | 3,617 |
| Retained earnings to average equity (ytd only) | 5.8465% | 2,387 |
| Net charge-offs to loans | -0.0022% | 3,152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3032% | 997 |
| Assets per employee ($millions) | 6.9916% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7321% | 4,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 49.8303% | 3,392 |
| Net loans and leases to deposits | 55.1153% | 3,455 |
| Net loans and leases to core deposits | 57.5588% | 3,462 |
| Total domestic deposits to total assets | 90.4110% | 1,510 |
| Equity capital to assets | 8.5108% | 2,754 |
| Core capital (leverage) ratio | 9.1222% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4157% | 592 |
| Memoranda: | ||
| Average total assets | $171,366,000 | 3,321 |
| Average earning assets | $123,204,333 | 3,659 |
| Average equity | $15,359,667 | 3,467 |
| Average total loans | $90,162,000 | 3,324 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7716% | 1,139 |
| Cost of funding earning assets | 0.4048% | 842 |
| Net interest margin | 3.3668% | 1,380 |
| Noninterest income to average assets | 0.3467% | 3,019 |
| Noninterest expense to average assets | 2.2677% | 2,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4165% | 3,921 |
| Return on assets (ROA) | 0.4165% | 3,888 |
| Pretax return on assets | 0.4815% | 3,898 |
| Return on Equity (ROE) | 4.5217% | 3,751 |
| Retained earnings to average equity (ytd only) | 4.5217% | 2,770 |
| Net charge-offs to loans | -0.0045% | 3,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4869% | 946 |
| Assets per employee ($millions) | 7.7587% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7345% | 4,329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 52.8932% | 2,893 |
| Net loans and leases to deposits | 58.1412% | 3,063 |
| Net loans and leases to core deposits | 60.0249% | 3,144 |
| Total domestic deposits to total assets | 90.9737% | 1,051 |
| Equity capital to assets | 8.8856% | 2,810 |
| Core capital (leverage) ratio | 9.4298% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2700% | 474 |
| Memoranda: | ||
| Average total assets | $166,158,500 | 3,377 |
| Average earning assets | $118,570,000 | 3,733 |
| Average equity | $15,304,000 | 3,535 |
| Average total loans | $89,618,000 | 3,333 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 1,114 |
| Cost of funding earning assets | 0.5580% | 676 |
| Net interest margin | 3.5702% | 1,548 |
| Noninterest income to average assets | 0.5966% | 2,174 |
| Noninterest expense to average assets | 2.2467% | 2,958 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8321% | 3,229 |
| Return on assets (ROA) | 0.8321% | 3,307 |
| Pretax return on assets | 1.0212% | 3,195 |
| Return on Equity (ROE) | 9.5839% | 2,689 |
| Retained earnings to average equity (ytd only) | 9.5839% | 1,024 |
| Net charge-offs to loans | -0.0020% | 3,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7511% | 1,891 |
| Assets per employee ($millions) | 6.7344% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7555% | 4,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.2097% | 2,822 |
| Net loans and leases to deposits | 60.0149% | 3,070 |
| Net loans and leases to core deposits | 63.0560% | 3,065 |
| Total domestic deposits to total assets | 90.3271% | 796 |
| Equity capital to assets | 9.5535% | 3,097 |
| Core capital (leverage) ratio | 9.2097% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3657% | 711 |
| Memoranda: | ||
| Average total assets | $170,295,000 | 3,299 |
| Average earning assets | $127,416,400 | 3,605 |
| Average equity | $14,785,200 | 3,660 |
| Average total loans | $100,465,200 | 3,191 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 1,104 |
| Cost of funding earning assets | 0.5528% | 817 |
| Net interest margin | 3.6505% | 1,462 |
| Noninterest income to average assets | 0.6339% | 2,081 |
| Noninterest expense to average assets | 2.2350% | 2,948 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9695% | 3,022 |
| Return on assets (ROA) | 0.9695% | 3,103 |
| Pretax return on assets | 1.1968% | 2,942 |
| Return on Equity (ROE) | 11.4351% | 2,229 |
| Retained earnings to average equity (ytd only) | 11.4351% | 962 |
| Net charge-offs to loans | -0.0026% | 3,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1273% | 2,232 |
| Assets per employee ($millions) | 7.3614% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7247% | 4,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 51.7204% | 3,219 |
| Net loans and leases to deposits | 56.7757% | 3,508 |
| Net loans and leases to core deposits | 59.4780% | 3,510 |
| Total domestic deposits to total assets | 91.0960% | 339 |
| Equity capital to assets | 8.6510% | 4,103 |
| Core capital (leverage) ratio | 8.8015% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1003% | 1,935 |
| Memoranda: | ||
| Average total assets | $172,462,250 | 3,303 |
| Average earning assets | $132,178,250 | 3,591 |
| Average equity | $14,621,250 | 3,724 |
| Average total loans | $103,510,500 | 3,194 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4272% | 821 |
| Cost of funding earning assets | 0.6008% | 744 |
| Net interest margin | 3.8264% | 1,098 |
| Noninterest income to average assets | 0.1122% | 4,640 |
| Noninterest expense to average assets | 2.2063% | 3,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8325% | 3,417 |
| Return on assets (ROA) | 0.8325% | 3,486 |
| Pretax return on assets | 1.0113% | 3,422 |
| Return on Equity (ROE) | 9.8887% | 2,786 |
| Retained earnings to average equity (ytd only) | 9.8887% | 1,430 |
| Net charge-offs to loans | -0.0019% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5683% | 1,811 |
| Assets per employee ($millions) | 7.1015% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6424% | 4,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 60.4373% | 2,375 |
| Net loans and leases to deposits | 66.2817% | 2,796 |
| Net loans and leases to core deposits | 69.5598% | 2,820 |
| Total domestic deposits to total assets | 91.1826% | 312 |
| Equity capital to assets | 8.6490% | 4,087 |
| Core capital (leverage) ratio | 8.3669% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3289% | 1,521 |
| Memoranda: | ||
| Average total assets | $171,058,667 | 3,326 |
| Average earning assets | $138,824,000 | 3,527 |
| Average equity | $14,400,333 | 3,751 |
| Average total loans | $107,333,000 | 3,160 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 864 |
| Cost of funding earning assets | 0.6302% | 758 |
| Net interest margin | 3.8042% | 1,129 |
| Noninterest income to average assets | 0.1144% | 4,617 |
| Noninterest expense to average assets | 2.0330% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9360% | 3,027 |
| Return on assets (ROA) | 0.9360% | 3,102 |
| Pretax return on assets | 1.1391% | 3,014 |
| Return on Equity (ROE) | 11.2720% | 2,284 |
| Retained earnings to average equity (ytd only) | 11.2720% | 1,327 |
| Net charge-offs to loans | -0.0037% | 3,280 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0912% | 2,453 |
| Assets per employee ($millions) | 8.0265% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5850% | 4,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 64.0994% | 2,028 |
| Net loans and leases to deposits | 70.0629% | 2,497 |
| Net loans and leases to core deposits | 73.2452% | 2,587 |
| Total domestic deposits to total assets | 91.4884% | 245 |
| Equity capital to assets | 8.1684% | 4,382 |
| Core capital (leverage) ratio | 8.3511% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5752% | 2,797 |
| Memoranda: | ||
| Average total assets | $171,370,000 | 3,320 |
| Average earning assets | $137,743,000 | 3,544 |
| Average equity | $14,230,000 | 3,775 |
| Average total loans | $109,163,000 | 3,141 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 1,606 |
| Cost of funding earning assets | 0.8013% | 1,202 |
| Net interest margin | 3.5927% | 2,162 |
| Noninterest income to average assets | 0.6506% | 2,024 |
| Noninterest expense to average assets | 2.4380% | 3,023 |
| Loan and lease loss provision to assets | 0.0276% | 4,056 |
| Net operating income to assets | 1.0788% | 1,991 |
| Return on assets (ROA) | 1.0788% | 2,131 |
| Pretax return on assets | 1.3219% | 1,911 |
| Return on Equity (ROE) | 11.8362% | 1,372 |
| Retained earnings to average equity (ytd only) | 11.8362% | 339 |
| Net charge-offs to loans | -0.0030% | 4,038 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3691% | 2,758 |
| Assets per employee ($millions) | 7.2243% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6365% | 4,675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 62.4749% | 2,541 |
| Net loans and leases to deposits | 68.3737% | 3,045 |
| Net loans and leases to core deposits | 71.6390% | 3,111 |
| Total domestic deposits to total assets | 91.3727% | 151 |
| Equity capital to assets | 8.4474% | 4,486 |
| Core capital (leverage) ratio | 8.6394% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6000% | 1,380 |
| Memoranda: | ||
| Average total assets | $144,788,200 | 3,458 |
| Average earning assets | $126,422,400 | 3,550 |
| Average equity | $13,196,800 | 3,845 |
| Average total loans | $99,784,600 | 3,231 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 1,133 |
| Cost of funding earning assets | 0.8407% | 1,308 |
| Net interest margin | 3.8294% | 1,543 |
| Noninterest income to average assets | 0.4083% | 3,038 |
| Noninterest expense to average assets | 2.5213% | 2,775 |
| Loan and lease loss provision to assets | 0.0380% | 3,880 |
| Net operating income to assets | 1.0518% | 2,136 |
| Return on assets (ROA) | 1.0518% | 2,273 |
| Pretax return on assets | 1.2851% | 2,112 |
| Return on Equity (ROE) | 11.2931% | 1,590 |
| Retained earnings to average equity (ytd only) | 11.2931% | 522 |
| Net charge-offs to loans | -0.0027% | 3,927 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5807% | 2,520 |
| Assets per employee ($millions) | 6.9560% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5758% | 4,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 71.6635% | 1,716 |
| Net loans and leases to deposits | 78.4693% | 2,483 |
| Net loans and leases to core deposits | 83.9666% | 2,479 |
| Total domestic deposits to total assets | 91.3268% | 121 |
| Equity capital to assets | 8.4844% | 4,471 |
| Core capital (leverage) ratio | 8.4037% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9269% | 1,068 |
| Memoranda: | ||
| Average total assets | $139,445,750 | 3,508 |
| Average earning assets | $125,133,250 | 3,555 |
| Average equity | $12,987,000 | 3,870 |
| Average total loans | $98,612,750 | 3,266 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6520% | 255 |
| Cost of funding earning assets | 0.8995% | 1,377 |
| Net interest margin | 4.7525% | 306 |
| Noninterest income to average assets | 0.4072% | 3,032 |
| Noninterest expense to average assets | 3.0558% | 1,446 |
| Loan and lease loss provision to assets | 0.0603% | 3,548 |
| Net operating income to assets | 1.3062% | 1,343 |
| Return on assets (ROA) | 1.3062% | 1,451 |
| Pretax return on assets | 1.6184% | 1,185 |
| Return on Equity (ROE) | 13.5404% | 969 |
| Retained earnings to average equity (ytd only) | 13.5404% | 305 |
| Net charge-offs to loans | 0.0129% | 2,505 |
| Credit loss provision to net charge-offs | 666.6667% | 1,028 |
| Earnings coverage of net charge-offs (x) | 185.5000% | 478 |
| Efficiency ratio | 64.5428% | 2,741 |
| Assets per employee ($millions) | 7.5961% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5979% | 4,744 |
| Loan loss allowance to noncurrent loans | 347.0899% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 3,908 |
| Noncurrent loans to loans | 0.1723% | 3,761 |
| Net loans and leases to total assets | 71.7867% | 1,752 |
| Net loans and leases to deposits | 79.0168% | 2,539 |
| Net loans and leases to core deposits | 84.8873% | 2,533 |
| Total domestic deposits to total assets | 90.8498% | 188 |
| Equity capital to assets | 8.7789% | 4,285 |
| Core capital (leverage) ratio | 9.0905% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5424% | 1,355 |
| Memoranda: | ||
| Average total assets | $132,598,333 | 3,569 |
| Average earning assets | $120,736,333 | 3,594 |
| Average equity | $12,791,333 | 3,898 |
| Average total loans | $93,044,667 | 3,353 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4369% | 2,483 |
| Cost of funding earning assets | 0.9627% | 1,593 |
| Net interest margin | 3.4742% | 3,070 |
| Noninterest income to average assets | 0.1659% | 4,539 |
| Noninterest expense to average assets | 2.7396% | 2,602 |
| Loan and lease loss provision to assets | 0.0488% | 3,168 |
| Net operating income to assets | 0.4881% | 3,924 |
| Return on assets (ROA) | 0.4881% | 3,979 |
| Pretax return on assets | 0.5596% | 4,005 |
| Return on Equity (ROE) | 4.7929% | 3,712 |
| Retained earnings to average equity (ytd only) | 4.7929% | 2,369 |
| Net charge-offs to loans | -0.0047% | 3,852 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8270% | 984 |
| Assets per employee ($millions) | 5.6966% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 4,548 |
| Loan loss allowance to noncurrent loans | 341.1765% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 3,875 |
| Noncurrent loans to loans | 0.2158% | 3,706 |
| Net loans and leases to total assets | 71.8981% | 1,933 |
| Net loans and leases to deposits | 80.6063% | 2,618 |
| Net loans and leases to core deposits | 98.5777% | 1,579 |
| Total domestic deposits to total assets | 89.1966% | 585 |
| Equity capital to assets | 10.5275% | 3,293 |
| Core capital (leverage) ratio | 10.4673% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8358% | 1,647 |
| Memoranda: | ||
| Average total assets | $122,937,000 | 3,663 |
| Average earning assets | $112,600,000 | 3,674 |
| Average equity | $12,518,500 | 3,941 |
| Average total loans | $84,709,500 | 3,506 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0573% | 1,322 |
| Cost of funding earning assets | 1.0976% | 1,335 |
| Net interest margin | 3.9597% | 1,973 |
| Noninterest income to average assets | 0.5694% | 2,372 |
| Noninterest expense to average assets | 2.8779% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9461% | 3,031 |
| Return on assets (ROA) | 0.9468% | 3,110 |
| Pretax return on assets | 1.1542% | 3,000 |
| Return on Equity (ROE) | 9.4970% | 2,523 |
| Retained earnings to average equity (ytd only) | 9.4970% | 592 |
| Net charge-offs to loans | -0.0108% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3892% | 1,961 |
| Assets per employee ($millions) | 6.0117% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7515% | 4,451 |
| Loan loss allowance to noncurrent loans | 376.9697% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 3,986 |
| Noncurrent loans to loans | 0.1993% | 3,742 |
| Net loans and leases to total assets | 65.0703% | 3,062 |
| Net loans and leases to deposits | 72.3758% | 3,489 |
| Net loans and leases to core deposits | 87.2578% | 2,677 |
| Total domestic deposits to total assets | 89.9061% | 349 |
| Equity capital to assets | 9.8562% | 4,052 |
| Core capital (leverage) ratio | 9.2985% | 4,280 |
| Tier 1 risk-based capital ratio | 15.2911% | 2,658 |
| Total risk-based capital ratio | 16.0555% | 2,791 |
| Memoranda: | ||
| Average total assets | $117,135,600 | 3,743 |
| Average earning assets | $102,406,000 | 3,825 |
| Average equity | $11,677,400 | 4,037 |
| Average total loans | $82,972,200 | 3,542 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1487% | 1,160 |
| Cost of funding earning assets | 1.0598% | 1,502 |
| Net interest margin | 4.0889% | 1,648 |
| Noninterest income to average assets | 0.4771% | 2,869 |
| Noninterest expense to average assets | 2.9311% | 2,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8845% | 3,402 |
| Return on assets (ROA) | 0.8845% | 3,480 |
| Pretax return on assets | 1.0796% | 3,352 |
| Return on Equity (ROE) | 8.8453% | 2,942 |
| Retained earnings to average equity (ytd only) | 8.8453% | 1,088 |
| Net charge-offs to loans | -0.0129% | 4,457 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0825% | 1,687 |
| Assets per employee ($millions) | 5.8756% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7377% | 4,575 |
| Loan loss allowance to noncurrent loans | 385.7143% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 4,070 |
| Noncurrent loans to loans | 0.1913% | 3,851 |
| Net loans and leases to total assets | 67.7213% | 2,830 |
| Net loans and leases to deposits | 75.2969% | 3,364 |
| Net loans and leases to core deposits | 91.1371% | 2,449 |
| Total domestic deposits to total assets | 89.9391% | 304 |
| Equity capital to assets | 9.8024% | 4,212 |
| Core capital (leverage) ratio | 10.0729% | 3,561 |
| Tier 1 risk-based capital ratio | 14.5602% | 3,043 |
| Total risk-based capital ratio | 15.3077% | 3,206 |
| Memoranda: | ||
| Average total assets | $114,858,250 | 3,809 |
| Average earning assets | $99,258,750 | 3,920 |
| Average equity | $11,486,000 | 4,098 |
| Average total loans | $83,022,750 | 3,576 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1056% | 1,202 |
| Cost of funding earning assets | 1.0260% | 1,581 |
| Net interest margin | 4.0796% | 1,671 |
| Noninterest income to average assets | 0.3749% | 3,433 |
| Noninterest expense to average assets | 2.9782% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7963% | 3,669 |
| Return on assets (ROA) | 0.7963% | 3,728 |
| Pretax return on assets | 0.9820% | 3,610 |
| Return on Equity (ROE) | 7.9057% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.9057% | 1,434 |
| Net charge-offs to loans | -0.0024% | 3,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2029% | 1,495 |
| Assets per employee ($millions) | 5.2387% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7109% | 4,688 |
| Loan loss allowance to noncurrent loans | 381.3665% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 4,067 |
| Noncurrent loans to loans | 0.1864% | 3,885 |
| Net loans and leases to total assets | 74.4098% | 1,818 |
| Net loans and leases to deposits | 83.1262% | 2,593 |
| Net loans and leases to core deposits | 102.6354% | 1,506 |
| Total domestic deposits to total assets | 89.5142% | 472 |
| Equity capital to assets | 10.2194% | 3,781 |
| Core capital (leverage) ratio | 10.1822% | 3,407 |
| Tier 1 risk-based capital ratio | 14.1965% | 3,214 |
| Total risk-based capital ratio | 14.9366% | 3,384 |
| Memoranda: | ||
| Average total assets | $112,015,000 | 3,869 |
| Average earning assets | $98,440,330 | 3,960 |
| Average equity | $11,283,000 | 4,135 |
| Average total loans | $82,636,670 | 3,601 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9551% | 1,458 |
| Cost of funding earning assets | 1.0084% | 1,537 |
| Net interest margin | 3.9467% | 2,034 |
| Noninterest income to average assets | 0.1957% | 4,588 |
| Noninterest expense to average assets | 2.9965% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5254% | 4,447 |
| Return on assets (ROA) | 0.5254% | 4,467 |
| Pretax return on assets | 0.6594% | 4,398 |
| Return on Equity (ROE) | 5.2558% | 4,260 |
| Retained earnings to average equity (ytd only) | 5.2558% | 2,800 |
| Net charge-offs to loans | -0.0050% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9623% | 879 |
| Assets per employee ($millions) | 4.8886% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7588% | 4,639 |
| Loan loss allowance to noncurrent loans | 381.3665% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 4,087 |
| Noncurrent loans to loans | 0.1990% | 3,882 |
| Net loans and leases to total assets | 71.4178% | 2,271 |
| Net loans and leases to deposits | 79.5175% | 2,889 |
| Net loans and leases to core deposits | 98.5784% | 1,736 |
| Total domestic deposits to total assets | 89.8139% | 524 |
| Equity capital to assets | 9.9336% | 3,885 |
| Core capital (leverage) ratio | 10.2237% | 3,357 |
| Tier 1 risk-based capital ratio | 14.9132% | 2,913 |
| Total risk-based capital ratio | 15.7116% | 3,044 |
| Memoranda: | ||
| Average total assets | $110,397,000 | 3,929 |
| Average earning assets | $96,788,500 | 4,031 |
| Average equity | $11,035,500 | 4,184 |
| Average total loans | $80,769,000 | 3,673 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3492% | 2,934 |
| Cost of funding earning assets | 0.7666% | 1,705 |
| Net interest margin | 3.5827% | 3,439 |
| Noninterest income to average assets | 0.4374% | 3,189 |
| Noninterest expense to average assets | 2.8209% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7388% | 4,006 |
| Return on assets (ROA) | 0.7388% | 4,009 |
| Pretax return on assets | 0.8670% | 3,983 |
| Return on Equity (ROE) | 8.1510% | 3,376 |
| Retained earnings to average equity (ytd only) | 8.1510% | 1,169 |
| Net charge-offs to loans | -0.0257% | 4,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4913% | 1,291 |
| Assets per employee ($millions) | 5.4179% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7616% | 4,644 |
| Loan loss allowance to noncurrent loans | 123.5412% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 2,732 |
| Noncurrent loans to loans | 0.6164% | 2,436 |
| Net loans and leases to total assets | 73.8393% | 1,965 |
| Net loans and leases to deposits | 82.3131% | 2,693 |
| Net loans and leases to core deposits | 102.4823% | 1,545 |
| Total domestic deposits to total assets | 89.7053% | 574 |
| Equity capital to assets | 10.0612% | 3,618 |
| Core capital (leverage) ratio | 10.1061% | 3,456 |
| Tier 1 risk-based capital ratio | 15.3456% | 2,679 |
| Total risk-based capital ratio | 16.1763% | 2,790 |
| Memoranda: | ||
| Average total assets | $115,457,600 | 3,861 |
| Average earning assets | $104,754,000 | 3,900 |
| Average equity | $10,465,000 | 4,239 |
| Average total loans | $81,640,600 | 3,634 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 2,858 |
| Cost of funding earning assets | 0.7443% | 1,608 |
| Net interest margin | 3.5826% | 3,426 |
| Noninterest income to average assets | 0.5220% | 2,733 |
| Noninterest expense to average assets | 2.7625% | 2,766 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8132% | 3,863 |
| Return on assets (ROA) | 0.8132% | 3,872 |
| Pretax return on assets | 1.0168% | 3,673 |
| Return on Equity (ROE) | 9.2056% | 3,002 |
| Retained earnings to average equity (ytd only) | 9.2056% | 1,152 |
| Net charge-offs to loans | -0.0326% | 4,781 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0966% | 1,719 |
| Assets per employee ($millions) | 5.5125% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7820% | 4,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 70.5430% | 2,560 |
| Net loans and leases to deposits | 78.3504% | 3,207 |
| Net loans and leases to core deposits | 94.8012% | 2,226 |
| Total domestic deposits to total assets | 90.0353% | 502 |
| Equity capital to assets | 9.6400% | 3,960 |
| Core capital (leverage) ratio | 9.9597% | 3,685 |
| Tier 1 risk-based capital ratio | 15.1984% | 2,790 |
| Total risk-based capital ratio | 16.0313% | 2,900 |
| Memoranda: | ||
| Average total assets | $117,232,750 | 3,870 |
| Average earning assets | $106,587,500 | 3,906 |
| Average equity | $10,355,750 | 4,296 |
| Average total loans | $81,894,750 | 3,658 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2386% | 2,982 |
| Cost of funding earning assets | 0.7382% | 1,433 |
| Net interest margin | 3.5004% | 3,623 |
| Noninterest income to average assets | 0.6808% | 1,953 |
| Noninterest expense to average assets | 2.7216% | 2,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9468% | 3,250 |
| Return on assets (ROA) | 0.9468% | 3,258 |
| Pretax return on assets | 1.1877% | 2,982 |
| Return on Equity (ROE) | 11.0278% | 2,101 |
| Retained earnings to average equity (ytd only) | 11.0278% | 666 |
| Net charge-offs to loans | -0.0482% | 4,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6192% | 2,378 |
| Assets per employee ($millions) | 5.7564% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 4,849 |
| Loan loss allowance to noncurrent loans | 10,216.6667% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 5,026 |
| Noncurrent loans to loans | 0.0072% | 4,924 |
| Net loans and leases to total assets | 71.5091% | 2,358 |
| Net loans and leases to deposits | 78.9458% | 3,059 |
| Net loans and leases to core deposits | 108.7572% | 1,069 |
| Total domestic deposits to total assets | 90.5801% | 371 |
| Equity capital to assets | 9.1559% | 4,425 |
| Core capital (leverage) ratio | 9.4109% | 4,232 |
| Tier 1 risk-based capital ratio | 14.5542% | 3,094 |
| Total risk-based capital ratio | 15.3626% | 3,228 |
| Memoranda: | ||
| Average total assets | $119,560,670 | 3,867 |
| Average earning assets | $110,273,000 | 3,868 |
| Average equity | $10,265,000 | 4,350 |
| Average total loans | $83,064,330 | 3,658 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9421% | 3,810 |
| Cost of funding earning assets | 0.7145% | 1,372 |
| Net interest margin | 3.2276% | 4,381 |
| Noninterest income to average assets | 0.1807% | 4,946 |
| Noninterest expense to average assets | 2.6442% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4533% | 4,806 |
| Return on assets (ROA) | 0.4533% | 4,810 |
| Pretax return on assets | 0.5485% | 4,792 |
| Return on Equity (ROE) | 5.4508% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.4508% | 2,975 |
| Net charge-offs to loans | -0.0529% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8189% | 874 |
| Assets per employee ($millions) | 6.1111% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7146% | 5,001 |
| Loan loss allowance to noncurrent loans | 511.8644% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 4,605 |
| Noncurrent loans to loans | 0.1396% | 4,340 |
| Net loans and leases to total assets | 68.6601% | 2,680 |
| Net loans and leases to deposits | 75.0136% | 3,317 |
| Net loans and leases to core deposits | 100.4260% | 1,654 |
| Total domestic deposits to total assets | 91.5301% | 182 |
| Equity capital to assets | 8.2621% | 5,128 |
| Core capital (leverage) ratio | 8.5754% | 5,085 |
| Tier 1 risk-based capital ratio | 13.8453% | 3,470 |
| Total risk-based capital ratio | 14.6336% | 3,644 |
| Memoranda: | ||
| Average total assets | $121,777,000 | 3,870 |
| Average earning assets | $113,645,500 | 3,855 |
| Average equity | $10,127,000 | 4,407 |
| Average total loans | $83,126,500 | 3,687 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8350% | 3,931 |
| Cost of funding earning assets | 0.7664% | 755 |
| Net interest margin | 3.0686% | 4,748 |
| Noninterest income to average assets | 0.5446% | 2,749 |
| Noninterest expense to average assets | 2.6249% | 3,368 |
| Loan and lease loss provision to assets | 0.0874% | 2,442 |
| Net operating income to assets | 0.4555% | 4,512 |
| Return on assets (ROA) | 0.4746% | 4,479 |
| Pretax return on assets | 0.6512% | 4,629 |
| Return on Equity (ROE) | 5.4903% | 3,970 |
| Retained earnings to average equity (ytd only) | 5.4903% | 1,820 |
| Net charge-offs to loans | 0.2294% | 1,127 |
| Credit loss provision to net charge-offs | 57.1429% | 3,246 |
| Earnings coverage of net charge-offs (x) | 4.6571% | 3,436 |
| Efficiency ratio | 78.6537% | 1,259 |
| Assets per employee ($millions) | 6.0667% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7255% | 5,017 |
| Loan loss allowance to noncurrent loans | 432.8467% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 4,567 |
| Noncurrent loans to loans | 0.1676% | 4,253 |
| Net loans and leases to total assets | 66.8730% | 2,983 |
| Net loans and leases to deposits | 73.1166% | 3,586 |
| Net loans and leases to core deposits | 100.9179% | 1,640 |
| Total domestic deposits to total assets | 91.4607% | 146 |
| Equity capital to assets | 8.3704% | 5,215 |
| Core capital (leverage) ratio | 8.2478% | 5,321 |
| Tier 1 risk-based capital ratio | 14.3360% | 3,183 |
| Total risk-based capital ratio | 15.1492% | 3,326 |
| Memoranda: | ||
| Average total assets | $114,402,200 | 3,990 |
| Average earning assets | $104,120,400 | 4,020 |
| Average equity | $9,890,200 | 4,468 |
| Average total loans | $76,272,800 | 3,816 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8689% | 3,770 |
| Cost of funding earning assets | 0.7502% | 758 |
| Net interest margin | 3.1186% | 4,660 |
| Noninterest income to average assets | 0.4296% | 3,480 |
| Noninterest expense to average assets | 2.7111% | 3,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4367% | 4,910 |
| Return on assets (ROA) | 0.4367% | 4,942 |
| Pretax return on assets | 0.5420% | 4,943 |
| Return on Equity (ROE) | 5.0082% | 4,526 |
| Retained earnings to average equity (ytd only) | 5.0082% | 2,882 |
| Net charge-offs to loans | 0.2011% | 1,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.0532% | 3,272 |
| Efficiency ratio | 83.3394% | 812 |
| Assets per employee ($millions) | 6.0402% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7128% | 5,110 |
| Loan loss allowance to noncurrent loans | 159.0258% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 3,974 |
| Noncurrent loans to loans | 0.4482% | 3,359 |
| Net loans and leases to total assets | 60.9497% | 3,772 |
| Net loans and leases to deposits | 66.3113% | 4,228 |
| Net loans and leases to core deposits | 93.6660% | 2,294 |
| Total domestic deposits to total assets | 91.9145% | 65 |
| Equity capital to assets | 7.9562% | 5,530 |
| Core capital (leverage) ratio | 8.1897% | 5,425 |
| Tier 1 risk-based capital ratio | 14.6958% | 3,072 |
| Total risk-based capital ratio | 15.4881% | 3,230 |
| Memoranda: | ||
| Average total assets | $112,669,500 | 4,059 |
| Average earning assets | $102,008,500 | 4,104 |
| Average equity | $9,823,750 | 4,526 |
| Average total loans | $74,908,000 | 3,878 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0181% | 3,145 |
| Cost of funding earning assets | 0.7185% | 803 |
| Net interest margin | 3.2995% | 4,106 |
| Noninterest income to average assets | 0.4021% | 3,679 |
| Noninterest expense to average assets | 2.8107% | 2,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4595% | 4,827 |
| Return on assets (ROA) | 0.4595% | 4,850 |
| Pretax return on assets | 0.5521% | 4,901 |
| Return on Equity (ROE) | 5.0954% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.0954% | 2,643 |
| Net charge-offs to loans | 0.3057% | 663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.6372% | 3,140 |
| Efficiency ratio | 83.5813% | 877 |
| Assets per employee ($millions) | 5.3536% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7656% | 5,033 |
| Loan loss allowance to noncurrent loans | 158.5714% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 3,877 |
| Noncurrent loans to loans | 0.4828% | 3,301 |
| Net loans and leases to total assets | 63.9884% | 3,384 |
| Net loans and leases to deposits | 70.3120% | 3,886 |
| Net loans and leases to core deposits | 98.1620% | 1,792 |
| Total domestic deposits to total assets | 91.0064% | 223 |
| Equity capital to assets | 8.8726% | 5,017 |
| Core capital (leverage) ratio | 9.3364% | 4,317 |
| Tier 1 risk-based capital ratio | 15.7809% | 2,587 |
| Total risk-based capital ratio | 16.6416% | 2,694 |
| Memoranda: | ||
| Average total assets | $107,944,670 | 4,169 |
| Average earning assets | $96,862,330 | 4,218 |
| Average equity | $9,734,330 | 4,555 |
| Average total loans | $73,922,000 | 3,926 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 2,856 |
| Cost of funding earning assets | 0.7111% | 798 |
| Net interest margin | 3.3380% | 3,892 |
| Noninterest income to average assets | 0.5903% | 2,459 |
| Noninterest expense to average assets | 2.8608% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6206% | 4,059 |
| Return on assets (ROA) | 0.6206% | 4,111 |
| Pretax return on assets | 0.7493% | 4,290 |
| Return on Equity (ROE) | 6.8234% | 3,482 |
| Retained earnings to average equity (ytd only) | 6.8234% | 1,921 |
| Net charge-offs to loans | 0.6056% | 295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.7522% | 2,688 |
| Efficiency ratio | 79.2453% | 1,456 |
| Assets per employee ($millions) | 5.0190% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7518% | 5,193 |
| Loan loss allowance to noncurrent loans | 57.3347% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 0.9184% | 2,016 |
| Noncurrent loans to loans | 1.3112% | 1,545 |
| Net loans and leases to total assets | 69.5152% | 2,461 |
| Net loans and leases to deposits | 76.5747% | 3,128 |
| Net loans and leases to core deposits | 101.9579% | 1,370 |
| Total domestic deposits to total assets | 90.7808% | 367 |
| Equity capital to assets | 9.1015% | 4,711 |
| Core capital (leverage) ratio | 9.6479% | 3,931 |
| Tier 1 risk-based capital ratio | 15.6572% | 2,688 |
| Total risk-based capital ratio | 16.5182% | 2,783 |
| Memoranda: | ||
| Average total assets | $105,704,500 | 4,254 |
| Average earning assets | $95,627,500 | 4,282 |
| Average equity | $9,614,000 | 4,603 |
| Average total loans | $74,636,000 | 3,933 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 2,860 |
| Cost of funding earning assets | 0.7535% | 623 |
| Net interest margin | 3.3453% | 4,009 |
| Noninterest income to average assets | 0.6036% | 2,646 |
| Noninterest expense to average assets | 2.6951% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6802% | 3,869 |
| Return on assets (ROA) | 0.7219% | 3,794 |
| Pretax return on assets | 1.0265% | 3,377 |
| Return on Equity (ROE) | 8.2331% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.2331% | 778 |
| Net charge-offs to loans | 0.0127% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 105.4000% | 576 |
| Efficiency ratio | 73.5972% | 2,340 |
| Assets per employee ($millions) | 5.3005% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 4,836 |
| Loan loss allowance to noncurrent loans | 87.0926% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 2,558 |
| Noncurrent loans to loans | 1.0166% | 2,058 |
| Net loans and leases to total assets | 70.5412% | 2,398 |
| Net loans and leases to deposits | 77.7056% | 3,134 |
| Net loans and leases to core deposits | 102.7734% | 1,385 |
| Total domestic deposits to total assets | 90.7800% | 355 |
| Equity capital to assets | 9.0889% | 4,720 |
| Core capital (leverage) ratio | 9.2278% | 4,439 |
| Tier 1 risk-based capital ratio | 15.0519% | 2,944 |
| Total risk-based capital ratio | 16.0647% | 2,989 |
| Memoranda: | ||
| Average total assets | $109,011,600 | 4,189 |
| Average earning assets | $99,662,000 | 4,211 |
| Average equity | $9,559,000 | 4,653 |
| Average total loans | $78,812,400 | 3,829 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 2,696 |
| Cost of funding earning assets | 0.7527% | 627 |
| Net interest margin | 3.3931% | 3,871 |
| Noninterest income to average assets | 0.7215% | 2,075 |
| Noninterest expense to average assets | 2.6627% | 3,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8484% | 3,161 |
| Return on assets (ROA) | 0.9123% | 2,971 |
| Pretax return on assets | 1.2512% | 2,616 |
| Return on Equity (ROE) | 10.4959% | 1,869 |
| Retained earnings to average equity (ytd only) | 10.4959% | 488 |
| Net charge-offs to loans | 0.0167% | 3,385 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 95.8215% | 685 |
| Efficiency ratio | 69.5873% | 2,954 |
| Assets per employee ($millions) | 5.3301% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 5,008 |
| Loan loss allowance to noncurrent loans | 1,284.6154% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 5,270 |
| Noncurrent loans to loans | 0.0670% | 5,082 |
| Net loans and leases to total assets | 72.1947% | 2,155 |
| Net loans and leases to deposits | 79.7342% | 2,999 |
| Net loans and leases to core deposits | 99.7899% | 1,657 |
| Total domestic deposits to total assets | 90.5443% | 309 |
| Equity capital to assets | 9.3291% | 4,838 |
| Core capital (leverage) ratio | 9.1181% | 4,699 |
| Tier 1 risk-based capital ratio | 16.7653% | 2,316 |
| Total risk-based capital ratio | 17.8975% | 2,306 |
| Memoranda: | ||
| Average total assets | $109,762,250 | 4,200 |
| Average earning assets | $100,435,250 | 4,226 |
| Average equity | $9,540,000 | 4,700 |
| Average total loans | $79,653,500 | 3,835 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 2,538 |
| Cost of funding earning assets | 0.7516% | 622 |
| Net interest margin | 3.4386% | 3,732 |
| Noninterest income to average assets | 0.8988% | 1,378 |
| Noninterest expense to average assets | 2.6476% | 3,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0432% | 2,215 |
| Return on assets (ROA) | 1.0432% | 2,337 |
| Pretax return on assets | 1.3969% | 2,039 |
| Return on Equity (ROE) | 12.2913% | 1,214 |
| Retained earnings to average equity (ytd only) | 12.2913% | 289 |
| Net charge-offs to loans | 0.0249% | 2,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 77.4000% | 721 |
| Efficiency ratio | 65.4618% | 3,765 |
| Assets per employee ($millions) | 6.3789% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 5,194 |
| Loan loss allowance to noncurrent loans | 430.9677% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 4,966 |
| Noncurrent loans to loans | 0.1925% | 4,664 |
| Net loans and leases to total assets | 69.5274% | 2,545 |
| Net loans and leases to deposits | 76.1138% | 3,370 |
| Net loans and leases to core deposits | 91.0493% | 2,431 |
| Total domestic deposits to total assets | 91.3465% | 134 |
| Equity capital to assets | 8.5699% | 5,557 |
| Core capital (leverage) ratio | 8.8327% | 5,018 |
| Tier 1 risk-based capital ratio | 15.8177% | 2,732 |
| Total risk-based capital ratio | 16.9051% | 2,733 |
| Memoranda: | ||
| Average total assets | $110,815,670 | 4,215 |
| Average earning assets | $101,378,330 | 4,243 |
| Average equity | $9,405,000 | 4,752 |
| Average total loans | $80,328,330 | 3,836 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,044 |
| Cost of funding earning assets | 0.7651% | 591 |
| Net interest margin | 3.2823% | 4,294 |
| Noninterest income to average assets | 0.1544% | 5,568 |
| Noninterest expense to average assets | 2.6909% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4301% | 4,901 |
| Return on assets (ROA) | 0.4301% | 4,980 |
| Pretax return on assets | 0.5073% | 5,066 |
| Return on Equity (ROE) | 5.0939% | 4,436 |
| Retained earnings to average equity (ytd only) | 5.0939% | 2,875 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1379% | 1,145 |
| Assets per employee ($millions) | 5.6525% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 5,282 |
| Loan loss allowance to noncurrent loans | 1,093.5484% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 5,376 |
| Noncurrent loans to loans | 0.0759% | 5,171 |
| Net loans and leases to total assets | 75.4509% | 1,475 |
| Net loans and leases to deposits | 82.6208% | 2,473 |
| Net loans and leases to core deposits | 100.1198% | 1,477 |
| Total domestic deposits to total assets | 91.3219% | 191 |
| Equity capital to assets | 8.5989% | 5,494 |
| Core capital (leverage) ratio | 8.5693% | 5,325 |
| Tier 1 risk-based capital ratio | 15.0250% | 3,146 |
| Total risk-based capital ratio | 16.1256% | 3,154 |
| Memoranda: | ||
| Average total assets | $108,813,000 | 4,285 |
| Average earning assets | $100,906,000 | 4,271 |
| Average equity | $9,187,500 | 4,817 |
| Average total loans | $80,242,500 | 3,853 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8041% | 4,030 |
| Cost of funding earning assets | 0.8572% | 357 |
| Net interest margin | 2.9470% | 5,257 |
| Noninterest income to average assets | 0.3170% | 4,627 |
| Noninterest expense to average assets | 2.7309% | 3,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1580% | 5,664 |
| Return on assets (ROA) | 0.1580% | 5,712 |
| Pretax return on assets | 0.1662% | 5,732 |
| Return on Equity (ROE) | 1.9469% | 5,581 |
| Retained earnings to average equity (ytd only) | 1.9469% | 4,618 |
| Net charge-offs to loans | 0.0289% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 8.3636% | 2,961 |
| Efficiency ratio | 94.2643% | 473 |
| Assets per employee ($millions) | 5.8015% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8607% | 5,233 |
| Loan loss allowance to noncurrent loans | 1,076.1905% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 5,435 |
| Noncurrent loans to loans | 0.0800% | 5,179 |
| Net loans and leases to total assets | 70.8498% | 2,235 |
| Net loans and leases to deposits | 77.3337% | 3,123 |
| Net loans and leases to core deposits | 93.6426% | 2,081 |
| Total domestic deposits to total assets | 91.6156% | 157 |
| Equity capital to assets | 8.2918% | 5,710 |
| Core capital (leverage) ratio | 8.0908% | 5,784 |
| Tier 1 risk-based capital ratio | 15.0645% | 3,149 |
| Total risk-based capital ratio | 16.1820% | 3,140 |
| Memoranda: | ||
| Average total assets | $110,733,400 | 4,246 |
| Average earning assets | $96,947,000 | 4,374 |
| Average equity | $8,988,600 | 4,853 |
| Average total loans | $76,116,600 | 3,934 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 4,184 |
| Cost of funding earning assets | 0.8613% | 357 |
| Net interest margin | 2.9100% | 5,392 |
| Noninterest income to average assets | 0.1491% | 5,740 |
| Noninterest expense to average assets | 2.7686% | 3,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0986% | 5,999 |
| Return on assets (ROA) | -0.0986% | 6,022 |
| Pretax return on assets | -0.0878% | 6,008 |
| Return on Equity (ROE) | -1.2215% | 6,039 |
| Retained earnings to average equity (ytd only) | -1.2215% | 5,782 |
| Net charge-offs to loans | 0.0406% | 3,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -3.1735% | 4,104 |
| Efficiency ratio | 103.2750% | 229 |
| Assets per employee ($millions) | 5.6495% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8595% | 5,327 |
| Loan loss allowance to noncurrent loans | 67.3632% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 2,648 |
| Noncurrent loans to loans | 1.2759% | 2,004 |
| Net loans and leases to total assets | 69.1150% | 2,519 |
| Net loans and leases to deposits | 75.0707% | 3,417 |
| Net loans and leases to core deposits | 91.6423% | 2,302 |
| Total domestic deposits to total assets | 92.0666% | 93 |
| Equity capital to assets | 7.8618% | 6,002 |
| Core capital (leverage) ratio | 7.7768% | 5,989 |
| Tier 1 risk-based capital ratio | 14.5678% | 3,518 |
| Total risk-based capital ratio | 15.6782% | 3,526 |
| Memoranda: | ||
| Average total assets | $110,859,500 | 4,291 |
| Average earning assets | $96,445,250 | 4,427 |
| Average equity | $8,950,750 | 4,920 |
| Average total loans | $75,452,000 | 3,994 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 3,320 |
| Cost of funding earning assets | 0.8526% | 378 |
| Net interest margin | 3.1414% | 4,853 |
| Noninterest income to average assets | 0.1598% | 5,754 |
| Noninterest expense to average assets | 2.8416% | 3,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0381% | 5,952 |
| Return on assets (ROA) | 0.0381% | 5,994 |
| Pretax return on assets | 0.0545% | 5,974 |
| Return on Equity (ROE) | 0.4681% | 5,968 |
| Retained earnings to average equity (ytd only) | 0.4681% | 5,362 |
| Net charge-offs to loans | 0.0377% | 2,928 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.1429% | 3,397 |
| Efficiency ratio | 98.1191% | 375 |
| Assets per employee ($millions) | 5.4496% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 5,377 |
| Loan loss allowance to noncurrent loans | 35.2881% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 1.6987% | 1,402 |
| Noncurrent loans to loans | 2.4898% | 900 |
| Net loans and leases to total assets | 67.6246% | 2,697 |
| Net loans and leases to deposits | 73.4448% | 3,561 |
| Net loans and leases to core deposits | 88.0674% | 2,547 |
| Total domestic deposits to total assets | 92.0755% | 119 |
| Equity capital to assets | 7.8529% | 6,033 |
| Core capital (leverage) ratio | 8.0360% | 5,912 |
| Tier 1 risk-based capital ratio | 14.9849% | 3,366 |
| Total risk-based capital ratio | 16.1289% | 3,356 |
| Memoranda: | ||
| Average total assets | $110,149,330 | 4,341 |
| Average earning assets | $95,944,000 | 4,470 |
| Average equity | $8,973,330 | 4,948 |
| Average total loans | $74,346,000 | 4,051 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0773% | 2,927 |
| Cost of funding earning assets | 0.8548% | 371 |
| Net interest margin | 3.2225% | 4,516 |
| Noninterest income to average assets | 0.1630% | 5,759 |
| Noninterest expense to average assets | 2.9370% | 2,785 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0111% | 6,005 |
| Return on assets (ROA) | 0.0111% | 6,043 |
| Pretax return on assets | 0.0185% | 6,033 |
| Return on Equity (ROE) | 0.1338% | 6,038 |
| Retained earnings to average equity (ytd only) | 0.1338% | 5,329 |
| Net charge-offs to loans | -0.0055% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3734% | 384 |
| Assets per employee ($millions) | 5.2294% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 5,237 |
| Loan loss allowance to noncurrent loans | 134.2912% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 4,128 |
| Noncurrent loans to loans | 0.7099% | 3,494 |
| Net loans and leases to total assets | 66.3161% | 2,720 |
| Net loans and leases to deposits | 72.2698% | 3,514 |
| Net loans and leases to core deposits | 80.5261% | 3,101 |
| Total domestic deposits to total assets | 91.7618% | 181 |
| Equity capital to assets | 8.1662% | 5,956 |
| Core capital (leverage) ratio | 8.2389% | 5,783 |
| Tier 1 risk-based capital ratio | 18.1159% | 2,100 |
| Total risk-based capital ratio | 19.3685% | 2,054 |
| Memoranda: | ||
| Average total assets | $108,003,000 | 4,413 |
| Average earning assets | $93,591,500 | 4,559 |
| Average equity | $8,966,500 | 4,998 |
| Average total loans | $72,480,500 | 4,118 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 3,147 |
| Cost of funding earning assets | 0.8892% | 410 |
| Net interest margin | 3.2558% | 4,728 |
| Noninterest income to average assets | 0.3589% | 4,530 |
| Noninterest expense to average assets | 2.8783% | 3,212 |
| Loan and lease loss provision to assets | 0.0239% | 4,126 |
| Net operating income to assets | 0.4585% | 4,976 |
| Return on assets (ROA) | 0.4585% | 5,071 |
| Pretax return on assets | 0.3025% | 5,696 |
| Return on Equity (ROE) | 5.4225% | 4,445 |
| Retained earnings to average equity (ytd only) | 5.4225% | 2,316 |
| Net charge-offs to loans | -0.0041% | 5,441 |
| Credit loss provision to net charge-offs | -833.3333% | 5,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8148% | 855 |
| Assets per employee ($millions) | 5.3094% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 5,157 |
| Loan loss allowance to noncurrent loans | 141.9878% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 4,258 |
| Noncurrent loans to loans | 0.6902% | 3,614 |
| Net loans and leases to total assets | 66.6111% | 2,791 |
| Net loans and leases to deposits | 72.8328% | 3,579 |
| Net loans and leases to core deposits | 81.9665% | 3,113 |
| Total domestic deposits to total assets | 91.4576% | 239 |
| Equity capital to assets | 8.4426% | 5,799 |
| Core capital (leverage) ratio | 8.2312% | 5,838 |
| Tier 1 risk-based capital ratio | 18.3255% | 2,045 |
| Total risk-based capital ratio | 19.5785% | 2,006 |
| Memoranda: | ||
| Average total assets | $104,472,000 | 4,493 |
| Average earning assets | $91,313,200 | 4,624 |
| Average equity | $8,833,600 | 5,017 |
| Average total loans | $73,187,800 | 4,091 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1456% | 3,189 |
| Cost of funding earning assets | 0.8805% | 467 |
| Net interest margin | 3.2651% | 4,742 |
| Noninterest income to average assets | 0.4229% | 4,078 |
| Noninterest expense to average assets | 2.8423% | 3,312 |
| Loan and lease loss provision to assets | 0.0320% | 3,770 |
| Net operating income to assets | 0.7189% | 3,842 |
| Return on assets (ROA) | 0.7189% | 3,949 |
| Pretax return on assets | 0.4139% | 5,552 |
| Return on Equity (ROE) | 8.4990% | 2,947 |
| Retained earnings to average equity (ytd only) | 8.4990% | 1,147 |
| Net charge-offs to loans | -0.0036% | 5,251 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4380% | 1,141 |
| Assets per employee ($millions) | 5.6369% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 5,210 |
| Loan loss allowance to noncurrent loans | 1,013.0435% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 5,893 |
| Noncurrent loans to loans | 0.0989% | 5,644 |
| Net loans and leases to total assets | 64.5021% | 3,111 |
| Net loans and leases to deposits | 70.5036% | 3,864 |
| Net loans and leases to core deposits | 78.2908% | 3,512 |
| Total domestic deposits to total assets | 91.4876% | 237 |
| Equity capital to assets | 8.4471% | 5,837 |
| Core capital (leverage) ratio | 8.6013% | 5,550 |
| Tier 1 risk-based capital ratio | 18.7631% | 1,968 |
| Total risk-based capital ratio | 20.0158% | 1,932 |
| Memoranda: | ||
| Average total assets | $104,043,000 | 4,546 |
| Average earning assets | $91,307,750 | 4,662 |
| Average equity | $8,800,750 | 5,067 |
| Average total loans | $73,626,500 | 4,100 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1597% | 3,104 |
| Cost of funding earning assets | 0.8836% | 467 |
| Net interest margin | 3.2761% | 4,679 |
| Noninterest income to average assets | 0.5009% | 3,478 |
| Noninterest expense to average assets | 2.8867% | 3,213 |
| Loan and lease loss provision to assets | 0.0485% | 3,335 |
| Net operating income to assets | 0.7921% | 3,371 |
| Return on assets (ROA) | 0.7921% | 3,470 |
| Pretax return on assets | 0.4446% | 5,439 |
| Return on Equity (ROE) | 9.3592% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.3592% | 863 |
| Net charge-offs to loans | -0.0027% | 5,084 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4107% | 1,331 |
| Assets per employee ($millions) | 5.7798% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 5,519 |
| Loan loss allowance to noncurrent loans | 56.3358% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 1.1909% | 2,702 |
| Noncurrent loans to loans | 1.7053% | 2,029 |
| Net loans and leases to total assets | 69.1645% | 2,206 |
| Net loans and leases to deposits | 75.6834% | 3,102 |
| Net loans and leases to core deposits | 82.9741% | 2,859 |
| Total domestic deposits to total assets | 91.3866% | 285 |
| Equity capital to assets | 8.5490% | 5,762 |
| Core capital (leverage) ratio | 8.5659% | 5,567 |
| Tier 1 risk-based capital ratio | 18.1893% | 2,171 |
| Total risk-based capital ratio | 19.4409% | 2,139 |
| Memoranda: | ||
| Average total assets | $103,023,330 | 4,605 |
| Average earning assets | $90,534,330 | 4,715 |
| Average equity | $8,718,670 | 5,104 |
| Average total loans | $74,908,000 | 4,076 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 2,551 |
| Cost of funding earning assets | 0.8517% | 581 |
| Net interest margin | 3.4416% | 3,933 |
| Noninterest income to average assets | 0.7921% | 1,786 |
| Noninterest expense to average assets | 2.9888% | 2,901 |
| Loan and lease loss provision to assets | 0.0975% | 2,294 |
| Net operating income to assets | 1.1276% | 1,707 |
| Return on assets (ROA) | 1.1276% | 1,773 |
| Pretax return on assets | 0.7804% | 4,178 |
| Return on Equity (ROE) | 13.3936% | 1,061 |
| Retained earnings to average equity (ytd only) | 13.3936% | 443 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2957% | 2,595 |
| Assets per employee ($millions) | 5.4876% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9228% | 5,792 |
| Loan loss allowance to noncurrent loans | 871.2500% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 5,571 |
| Noncurrent loans to loans | 0.1059% | 5,806 |
| Net loans and leases to total assets | 71.7717% | 1,610 |
| Net loans and leases to deposits | 78.4271% | 2,491 |
| Net loans and leases to core deposits | 87.2453% | 2,170 |
| Total domestic deposits to total assets | 91.5138% | 373 |
| Equity capital to assets | 8.4171% | 5,730 |
| Core capital (leverage) ratio | 8.6026% | 5,524 |
| Tier 1 risk-based capital ratio | 17.6622% | 2,430 |
| Total risk-based capital ratio | 18.8677% | 2,410 |
| Memoranda: | ||
| Average total assets | $102,517,000 | 4,667 |
| Average earning assets | $91,584,500 | 4,736 |
| Average equity | $8,631,000 | 5,139 |
| Average total loans | $76,035,000 | 4,067 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4806% | 2,285 |
| Cost of funding earning assets | 0.8434% | 978 |
| Net interest margin | 3.6372% | 3,295 |
| Noninterest income to average assets | 0.2862% | 5,313 |
| Noninterest expense to average assets | 2.8552% | 3,513 |
| Loan and lease loss provision to assets | 0.0216% | 4,697 |
| Net operating income to assets | 0.9902% | 2,366 |
| Return on assets (ROA) | 0.9902% | 2,438 |
| Pretax return on assets | 0.7160% | 4,478 |
| Return on Equity (ROE) | 11.4191% | 1,628 |
| Retained earnings to average equity (ytd only) | 11.4191% | 377 |
| Net charge-offs to loans | 0.0260% | 4,899 |
| Credit loss provision to net charge-offs | 111.1111% | 2,161 |
| Earnings coverage of net charge-offs (x) | 37.9444% | 988 |
| Efficiency ratio | 79.4710% | 2,240 |
| Assets per employee ($millions) | 5.5983% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 5,988 |
| Loan loss allowance to noncurrent loans | 809.6386% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 5,604 |
| Noncurrent loans to loans | 0.1084% | 5,881 |
| Net loans and leases to total assets | 75.2893% | 1,185 |
| Net loans and leases to deposits | 82.2812% | 2,150 |
| Net loans and leases to core deposits | 89.4144% | 2,090 |
| Total domestic deposits to total assets | 91.5024% | 400 |
| Equity capital to assets | 8.4212% | 5,666 |
| Core capital (leverage) ratio | 8.7709% | 5,331 |
| Tier 1 risk-based capital ratio | 17.5407% | 2,393 |
| Total risk-based capital ratio | 18.7933% | 2,375 |
| Memoranda: | ||
| Average total assets | $92,603,200 | 4,914 |
| Average earning assets | $84,185,800 | 4,928 |
| Average equity | $8,030,400 | 5,329 |
| Average total loans | $69,185,200 | 4,299 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5683% | 1,981 |
| Cost of funding earning assets | 0.8471% | 1,067 |
| Net interest margin | 3.7212% | 2,950 |
| Noninterest income to average assets | 0.3298% | 5,051 |
| Noninterest expense to average assets | 2.8356% | 3,540 |
| Loan and lease loss provision to assets | 0.0294% | 4,417 |
| Net operating income to assets | 1.0733% | 2,106 |
| Return on assets (ROA) | 1.0733% | 2,187 |
| Pretax return on assets | 0.8407% | 4,136 |
| Return on Equity (ROE) | 12.2779% | 1,398 |
| Retained earnings to average equity (ytd only) | 12.2779% | 394 |
| Net charge-offs to loans | 0.0356% | 4,428 |
| Credit loss provision to net charge-offs | 111.1111% | 2,120 |
| Earnings coverage of net charge-offs (x) | 32.8325% | 1,156 |
| Efficiency ratio | 76.5197% | 2,646 |
| Assets per employee ($millions) | 5.2458% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 5,932 |
| Loan loss allowance to noncurrent loans | 790.5882% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 5,714 |
| Noncurrent loans to loans | 0.1196% | 5,968 |
| Net loans and leases to total assets | 74.5647% | 1,200 |
| Net loans and leases to deposits | 81.8077% | 2,162 |
| Net loans and leases to core deposits | 89.0991% | 2,066 |
| Total domestic deposits to total assets | 91.1463% | 473 |
| Equity capital to assets | 8.7880% | 5,430 |
| Core capital (leverage) ratio | 8.7831% | 5,432 |
| Tier 1 risk-based capital ratio | 18.7006% | 2,079 |
| Total risk-based capital ratio | 19.9536% | 2,047 |
| Memoranda: | ||
| Average total assets | $90,561,500 | 5,022 |
| Average earning assets | $82,157,500 | 5,022 |
| Average equity | $7,916,500 | 5,415 |
| Average total loans | $67,346,250 | 4,396 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6295% | 1,755 |
| Cost of funding earning assets | 0.8386% | 1,211 |
| Net interest margin | 3.7910% | 2,587 |
| Noninterest income to average assets | 0.3338% | 5,024 |
| Noninterest expense to average assets | 2.8519% | 3,504 |
| Loan and lease loss provision to assets | 0.0448% | 4,068 |
| Net operating income to assets | 1.0462% | 2,130 |
| Return on assets (ROA) | 1.0462% | 2,251 |
| Pretax return on assets | 0.8603% | 4,066 |
| Return on Equity (ROE) | 11.9908% | 1,495 |
| Retained earnings to average equity (ytd only) | 11.9908% | 491 |
| Net charge-offs to loans | 0.0212% | 4,416 |
| Credit loss provision to net charge-offs | 285.7143% | 898 |
| Earnings coverage of net charge-offs (x) | 57.7143% | 722 |
| Efficiency ratio | 75.9094% | 2,803 |
| Assets per employee ($millions) | 5.1495% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 5,788 |
| Loan loss allowance to noncurrent loans | 108.4127% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 4,372 |
| Noncurrent loans to loans | 0.9296% | 4,066 |
| Net loans and leases to total assets | 72.3803% | 1,510 |
| Net loans and leases to deposits | 79.2979% | 2,421 |
| Net loans and leases to core deposits | 84.0885% | 2,555 |
| Total domestic deposits to total assets | 91.2764% | 455 |
| Equity capital to assets | 8.6686% | 5,594 |
| Core capital (leverage) ratio | 8.8555% | 5,217 |
| Tier 1 risk-based capital ratio | 18.5476% | 2,125 |
| Total risk-based capital ratio | 19.8010% | 2,083 |
| Memoranda: | ||
| Average total assets | $89,274,000 | 5,072 |
| Average earning assets | $80,613,000 | 5,102 |
| Average equity | $7,789,330 | 5,487 |
| Average total loans | $66,102,000 | 4,466 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 1,789 |
| Cost of funding earning assets | 0.8618% | 1,195 |
| Net interest margin | 3.7513% | 2,653 |
| Noninterest income to average assets | 0.4888% | 3,857 |
| Noninterest expense to average assets | 3.0743% | 2,753 |
| Loan and lease loss provision to assets | 0.0914% | 3,135 |
| Net operating income to assets | 0.8908% | 2,697 |
| Return on assets (ROA) | 0.8908% | 2,844 |
| Pretax return on assets | 0.7035% | 4,562 |
| Return on Equity (ROE) | 10.1741% | 1,999 |
| Retained earnings to average equity (ytd only) | 10.1741% | 1,062 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4569% | 2,407 |
| Assets per employee ($millions) | 5.2125% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 5,879 |
| Loan loss allowance to noncurrent loans | 766.6667% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 5,973 |
| Noncurrent loans to loans | 0.1342% | 6,066 |
| Net loans and leases to total assets | 74.9052% | 974 |
| Net loans and leases to deposits | 82.1747% | 1,804 |
| Net loans and leases to core deposits | 87.6620% | 1,942 |
| Total domestic deposits to total assets | 91.1536% | 464 |
| Equity capital to assets | 8.7618% | 5,745 |
| Core capital (leverage) ratio | 8.8235% | 5,148 |
| Tier 1 risk-based capital ratio | 16.5880% | 2,957 |
| Total risk-based capital ratio | 17.8400% | 2,920 |
| Memoranda: | ||
| Average total assets | $87,565,500 | 5,159 |
| Average earning assets | $78,905,500 | 5,186 |
| Average equity | $7,666,500 | 5,591 |
| Average total loans | $65,266,500 | 4,517 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0475% | 1,442 |
| Cost of funding earning assets | 1.0197% | 1,254 |
| Net interest margin | 4.0277% | 2,282 |
| Noninterest income to average assets | 0.7581% | 2,457 |
| Noninterest expense to average assets | 3.3600% | 2,152 |
| Loan and lease loss provision to assets | 0.8343% | 571 |
| Net operating income to assets | 0.1192% | 5,970 |
| Return on assets (ROA) | 0.1192% | 6,111 |
| Pretax return on assets | 0.1228% | 6,119 |
| Return on Equity (ROE) | 1.4054% | 6,039 |
| Retained earnings to average equity (ytd only) | 1.4054% | 5,172 |
| Net charge-offs to loans | 0.8243% | 1,415 |
| Credit loss provision to net charge-offs | 129.3900% | 2,171 |
| Earnings coverage of net charge-offs (x) | 1.4843% | 4,701 |
| Efficiency ratio | 77.8299% | 2,473 |
| Assets per employee ($millions) | 4.8066% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 5,739 |
| Loan loss allowance to noncurrent loans | 728.2609% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 6,047 |
| Noncurrent loans to loans | 0.1450% | 6,117 |
| Net loans and leases to total assets | 72.5829% | 1,408 |
| Net loans and leases to deposits | 79.6171% | 2,342 |
| Net loans and leases to core deposits | 84.8404% | 2,448 |
| Total domestic deposits to total assets | 91.1649% | 441 |
| Equity capital to assets | 8.7484% | 5,800 |
| Core capital (leverage) ratio | 8.6986% | 5,330 |
| Tier 1 risk-based capital ratio | 17.5103% | 2,452 |
| Total risk-based capital ratio | 18.7642% | 2,424 |
| Memoranda: | ||
| Average total assets | $83,898,400 | 5,251 |
| Average earning assets | $74,136,200 | 5,307 |
| Average equity | $7,115,600 | 5,730 |
| Average total loans | $65,629,200 | 4,523 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7751% | 411 |
| Cost of funding earning assets | 1.0574% | 1,246 |
| Net interest margin | 4.7177% | 656 |
| Noninterest income to average assets | 0.0769% | 6,705 |
| Noninterest expense to average assets | 3.3876% | 2,033 |
| Loan and lease loss provision to assets | 1.0411% | 379 |
| Net operating income to assets | -0.1650% | 6,469 |
| Return on assets (ROA) | -0.1650% | 6,543 |
| Pretax return on assets | -0.1714% | 6,528 |
| Return on Equity (ROE) | -1.9612% | 6,567 |
| Retained earnings to average equity (ytd only) | -1.9612% | 6,392 |
| Net charge-offs to loans | 0.0866% | 4,524 |
| Credit loss provision to net charge-offs | 1,511.6279% | 179 |
| Earnings coverage of net charge-offs (x) | 12.6283% | 1,988 |
| Efficiency ratio | 79.5711% | 2,160 |
| Assets per employee ($millions) | 4.4791% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 3,070 |
| Loan loss allowance to noncurrent loans | 194.0972% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 4,764 |
| Noncurrent loans to loans | 0.8872% | 4,657 |
| Net loans and leases to total assets | 74.9771% | 1,116 |
| Net loans and leases to deposits | 82.1514% | 2,098 |
| Net loans and leases to core deposits | 88.2348% | 2,191 |
| Total domestic deposits to total assets | 91.2670% | 341 |
| Equity capital to assets | 8.6543% | 6,140 |
| Core capital (leverage) ratio | 8.5975% | 5,624 |
| Tier 1 risk-based capital ratio | 16.7791% | 2,855 |
| Total risk-based capital ratio | 18.0457% | 2,798 |
| Memoranda: | ||
| Average total assets | $83,243,250 | 5,315 |
| Average earning assets | $73,762,500 | 5,382 |
| Average equity | $7,002,250 | 5,830 |
| Average total loans | $66,169,500 | 4,544 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2077% | 1,227 |
| Cost of funding earning assets | 1.0770% | 1,322 |
| Net interest margin | 4.1307% | 1,969 |
| Noninterest income to average assets | 0.0436% | 6,881 |
| Noninterest expense to average assets | 3.4131% | 2,000 |
| Loan and lease loss provision to assets | 0.6052% | 979 |
| Net operating income to assets | -0.2977% | 6,614 |
| Return on assets (ROA) | -0.2977% | 6,674 |
| Pretax return on assets | -0.3074% | 6,647 |
| Return on Equity (ROE) | -3.5749% | 6,706 |
| Retained earnings to average equity (ytd only) | -3.5749% | 6,518 |
| Net charge-offs to loans | 0.1201% | 3,973 |
| Credit loss provision to net charge-offs | 625.0000% | 503 |
| Earnings coverage of net charge-offs (x) | 3.0750% | 3,517 |
| Efficiency ratio | 91.9765% | 929 |
| Assets per employee ($millions) | 4.4033% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 5,992 |
| Loan loss allowance to noncurrent loans | 49.7585% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 2.1694% | 2,579 |
| Noncurrent loans to loans | 2.0963% | 2,826 |
| Net loans and leases to total assets | 81.7578% | 352 |
| Net loans and leases to deposits | 89.7074% | 1,171 |
| Net loans and leases to core deposits | 96.4631% | 1,395 |
| Total domestic deposits to total assets | 91.1383% | 409 |
| Equity capital to assets | 8.7793% | 5,938 |
| Core capital (leverage) ratio | 8.8525% | 5,126 |
| Tier 1 risk-based capital ratio | 17.8645% | 2,336 |
| Total risk-based capital ratio | 19.1195% | 2,303 |
| Memoranda: | ||
| Average total assets | $82,623,670 | 5,368 |
| Average earning assets | $73,353,000 | 5,422 |
| Average equity | $6,881,330 | 5,882 |
| Average total loans | $66,584,330 | 4,540 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 2,541 |
| Cost of funding earning assets | 1.1217% | 1,291 |
| Net interest margin | 3.7038% | 3,809 |
| Noninterest income to average assets | -0.0779% | 7,159 |
| Noninterest expense to average assets | 3.4249% | 1,945 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2338% | 6,661 |
| Return on assets (ROA) | -0.2338% | 6,711 |
| Pretax return on assets | -0.2533% | 6,700 |
| Return on Equity (ROE) | -2.8874% | 6,747 |
| Retained earnings to average equity (ytd only) | -2.8874% | 6,380 |
| Net charge-offs to loans | 0.1960% | 2,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.6250% | 4,599 |
| Efficiency ratio | 107.9877% | 371 |
| Assets per employee ($millions) | 4.3486% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7241% | 6,848 |
| Loan loss allowance to noncurrent loans | 33.7800% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 2.1580% | 2,721 |
| Noncurrent loans to loans | 2.1437% | 2,976 |
| Net loans and leases to total assets | 79.4803% | 458 |
| Net loans and leases to deposits | 86.8454% | 1,313 |
| Net loans and leases to core deposits | 92.4265% | 1,605 |
| Total domestic deposits to total assets | 91.5193% | 371 |
| Equity capital to assets | 8.3899% | 6,187 |
| Core capital (leverage) ratio | 8.6549% | 5,370 |
| Tier 1 risk-based capital ratio | 18.8477% | 2,033 |
| Total risk-based capital ratio | 20.0984% | 1,999 |
| Memoranda: | ||
| Average total assets | $82,104,000 | 5,414 |
| Average earning assets | $72,033,500 | 5,495 |
| Average equity | $6,649,500 | 5,983 |
| Average total loans | $65,315,500 | 4,606 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8228% | 3,695 |
| Cost of funding earning assets | 1.1849% | 2,133 |
| Net interest margin | 3.6379% | 4,577 |
| Noninterest income to average assets | 0.4125% | 4,515 |
| Noninterest expense to average assets | 3.4012% | 2,236 |
| Loan and lease loss provision to assets | 0.2032% | 4,151 |
| Net operating income to assets | 0.1859% | 5,633 |
| Return on assets (ROA) | 0.1859% | 5,765 |
| Pretax return on assets | 0.1392% | 5,904 |
| Return on Equity (ROE) | 2.3973% | 5,507 |
| Retained earnings to average equity (ytd only) | 2.3973% | 4,511 |
| Net charge-offs to loans | 0.2534% | 4,192 |
| Credit loss provision to net charge-offs | 98.8024% | 3,631 |
| Earnings coverage of net charge-offs (x) | 1.6647% | 4,522 |
| Efficiency ratio | 90.8553% | 1,128 |
| Assets per employee ($millions) | 4.2939% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 6,760 |
| Loan loss allowance to noncurrent loans | 49.2768% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 2.2455% | 2,686 |
| Noncurrent loans to loans | 1.6082% | 3,746 |
| Net loans and leases to total assets | 78.4115% | 662 |
| Net loans and leases to deposits | 85.1450% | 1,785 |
| Net loans and leases to core deposits | 94.5017% | 1,633 |
| Total domestic deposits to total assets | 92.0917% | 226 |
| Equity capital to assets | 7.8041% | 6,685 |
| Core capital (leverage) ratio | 7.7371% | 6,511 |
| Tier 1 risk-based capital ratio | 17.8718% | 2,239 |
| Total risk-based capital ratio | 19.1237% | 2,209 |
| Memoranda: | ||
| Average total assets | $81,205,600 | 5,430 |
| Average earning assets | $74,355,200 | 5,392 |
| Average equity | $6,298,800 | 6,075 |
| Average total loans | $65,898,200 | 4,635 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8793% | 3,641 |
| Cost of funding earning assets | 1.1843% | 2,419 |
| Net interest margin | 3.6950% | 4,356 |
| Noninterest income to average assets | 0.3781% | 4,838 |
| Noninterest expense to average assets | 3.3977% | 2,192 |
| Loan and lease loss provision to assets | 0.2712% | 3,334 |
| Net operating income to assets | 0.1742% | 5,764 |
| Return on assets (ROA) | 0.1742% | 5,889 |
| Pretax return on assets | 0.1299% | 6,045 |
| Return on Equity (ROE) | 2.2499% | 5,696 |
| Retained earnings to average equity (ytd only) | 2.2499% | 5,004 |
| Net charge-offs to loans | 0.2314% | 3,983 |
| Credit loss provision to net charge-offs | 143.4783% | 2,213 |
| Earnings coverage of net charge-offs (x) | 2.1218% | 4,078 |
| Efficiency ratio | 89.4418% | 1,206 |
| Assets per employee ($millions) | 4.0472% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 6,705 |
| Loan loss allowance to noncurrent loans | 45.9592% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 2.1608% | 2,954 |
| Noncurrent loans to loans | 1.8664% | 3,545 |
| Net loans and leases to total assets | 80.3936% | 482 |
| Net loans and leases to deposits | 87.3158% | 1,519 |
| Net loans and leases to core deposits | 102.6777% | 1,059 |
| Total domestic deposits to total assets | 92.0722% | 205 |
| Equity capital to assets | 7.8104% | 6,799 |
| Core capital (leverage) ratio | 7.7903% | 6,570 |
| Tier 1 risk-based capital ratio | 16.6504% | 2,786 |
| Total risk-based capital ratio | 17.9041% | 2,751 |
| Memoranda: | ||
| Average total assets | $81,110,750 | 5,472 |
| Average earning assets | $75,090,750 | 5,418 |
| Average equity | $6,281,750 | 6,120 |
| Average total loans | $66,252,000 | 4,666 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9199% | 3,533 |
| Cost of funding earning assets | 1.2028% | 2,565 |
| Net interest margin | 3.7171% | 4,187 |
| Noninterest income to average assets | 0.3154% | 5,370 |
| Noninterest expense to average assets | 3.3906% | 2,287 |
| Loan and lease loss provision to assets | 0.1848% | 4,070 |
| Net operating income to assets | 0.2538% | 5,548 |
| Return on assets (ROA) | 0.2538% | 5,671 |
| Pretax return on assets | 0.1897% | 5,952 |
| Return on Equity (ROE) | 3.2864% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.2864% | 4,172 |
| Net charge-offs to loans | 0.2859% | 3,446 |
| Credit loss provision to net charge-offs | 78.9474% | 3,804 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 4,089 |
| Efficiency ratio | 90.0524% | 1,234 |
| Assets per employee ($millions) | 4.0774% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 6,947 |
| Loan loss allowance to noncurrent loans | 26.0021% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 2.8437% | 2,358 |
| Noncurrent loans to loans | 2.9034% | 2,513 |
| Net loans and leases to total assets | 79.4747% | 591 |
| Net loans and leases to deposits | 86.2615% | 1,758 |
| Net loans and leases to core deposits | 102.4421% | 1,151 |
| Total domestic deposits to total assets | 92.1322% | 213 |
| Equity capital to assets | 7.7500% | 6,838 |
| Core capital (leverage) ratio | 7.7704% | 6,533 |
| Tier 1 risk-based capital ratio | 17.1996% | 2,438 |
| Total risk-based capital ratio | 18.4297% | 2,426 |
| Memoranda: | ||
| Average total assets | $81,166,670 | 5,516 |
| Average earning assets | $75,327,330 | 5,453 |
| Average equity | $6,268,330 | 6,151 |
| Average total loans | $66,457,330 | 4,705 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0541% | 2,836 |
| Cost of funding earning assets | 1.2595% | 2,434 |
| Net interest margin | 3.7946% | 3,646 |
| Noninterest income to average assets | 0.2025% | 6,277 |
| Noninterest expense to average assets | 3.3442% | 2,426 |
| Loan and lease loss provision to assets | 0.1235% | 4,457 |
| Net operating income to assets | 0.2618% | 5,577 |
| Return on assets (ROA) | 0.2618% | 5,638 |
| Pretax return on assets | 0.2618% | 5,771 |
| Return on Equity (ROE) | 3.3961% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.3961% | 4,157 |
| Net charge-offs to loans | 0.5311% | 2,164 |
| Credit loss provision to net charge-offs | 28.0899% | 4,148 |
| Earnings coverage of net charge-offs (x) | 0.8764% | 3,986 |
| Efficiency ratio | 89.6689% | 1,361 |
| Assets per employee ($millions) | 4.2040% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6505% | 7,144 |
| Loan loss allowance to noncurrent loans | 47.6645% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 1.5307% | 3,948 |
| Noncurrent loans to loans | 1.3648% | 4,428 |
| Net loans and leases to total assets | 81.5580% | 382 |
| Net loans and leases to deposits | 88.2321% | 1,436 |
| Net loans and leases to core deposits | 104.5527% | 1,025 |
| Total domestic deposits to total assets | 92.4358% | 184 |
| Equity capital to assets | 7.4560% | 6,890 |
| Core capital (leverage) ratio | 7.7585% | 6,502 |
| Tier 1 risk-based capital ratio | 16.6459% | 2,603 |
| Total risk-based capital ratio | 17.8381% | 2,603 |
| Memoranda: | ||
| Average total assets | $80,976,000 | 5,563 |
| Average earning assets | $75,265,500 | 5,501 |
| Average equity | $6,242,500 | 6,169 |
| Average total loans | $67,034,500 | 4,729 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3502% | 2,896 |
| Cost of funding earning assets | 1.4219% | 3,129 |
| Net interest margin | 3.9283% | 3,357 |
| Noninterest income to average assets | 0.3945% | 4,947 |
| Noninterest expense to average assets | 3.6214% | 1,872 |
| Loan and lease loss provision to assets | 0.0614% | 6,534 |
| Net operating income to assets | 0.3508% | 4,735 |
| Return on assets (ROA) | 0.3508% | 4,900 |
| Pretax return on assets | 0.3508% | 5,076 |
| Return on Equity (ROE) | 4.2605% | 4,407 |
| Retained earnings to average equity (ytd only) | 4.2605% | 2,862 |
| Net charge-offs to loans | 0.0341% | 6,460 |
| Credit loss provision to net charge-offs | 214.2857% | 1,417 |
| Earnings coverage of net charge-offs (x) | 14.3810% | 1,346 |
| Efficiency ratio | 89.7800% | 1,336 |
| Assets per employee ($millions) | 4.0985% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7887% | 6,990 |
| Loan loss allowance to noncurrent loans | 29.2975% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 2.2486% | 3,030 |
| Noncurrent loans to loans | 2.6919% | 2,829 |
| Net loans and leases to total assets | 82.8706% | 393 |
| Net loans and leases to deposits | 90.1790% | 1,500 |
| Net loans and leases to core deposits | 104.6170% | 1,274 |
| Total domestic deposits to total assets | 91.8957% | 303 |
| Equity capital to assets | 7.9823% | 6,514 |
| Core capital (leverage) ratio | 7.8334% | 6,399 |
| Tier 1 risk-based capital ratio | 16.6123% | 2,490 |
| Total risk-based capital ratio | 17.8631% | 2,463 |
| Memoranda: | ||
| Average total assets | $73,259,400 | 5,779 |
| Average earning assets | $67,867,000 | 5,740 |
| Average equity | $6,032,200 | 6,353 |
| Average total loans | $61,655,000 | 5,000 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3630% | 3,060 |
| Cost of funding earning assets | 1.4457% | 3,300 |
| Net interest margin | 3.9173% | 3,456 |
| Noninterest income to average assets | 0.3051% | 5,712 |
| Noninterest expense to average assets | 3.6297% | 1,718 |
| Loan and lease loss provision to assets | 0.0555% | 6,516 |
| Net operating income to assets | 0.2422% | 5,383 |
| Return on assets (ROA) | 0.2422% | 5,539 |
| Pretax return on assets | 0.2422% | 5,633 |
| Return on Equity (ROE) | 2.9177% | 5,255 |
| Retained earnings to average equity (ytd only) | 2.9177% | 4,381 |
| Net charge-offs to loans | 0.0460% | 6,072 |
| Credit loss provision to net charge-offs | 142.8571% | 2,754 |
| Earnings coverage of net charge-offs (x) | 7.6664% | 2,287 |
| Efficiency ratio | 92.4200% | 1,089 |
| Assets per employee ($millions) | 4.1348% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7382% | 7,135 |
| Loan loss allowance to noncurrent loans | 38.4259% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 1.6497% | 3,967 |
| Noncurrent loans to loans | 1.9210% | 3,777 |
| Net loans and leases to total assets | 85.2420% | 251 |
| Net loans and leases to deposits | 92.5099% | 1,385 |
| Net loans and leases to core deposits | 108.4468% | 1,129 |
| Total domestic deposits to total assets | 92.1437% | 170 |
| Equity capital to assets | 7.7519% | 6,969 |
| Core capital (leverage) ratio | 7.9220% | 6,444 |
| Tier 1 risk-based capital ratio | 15.4985% | 2,997 |
| Total risk-based capital ratio | 16.7481% | 2,967 |
| Memoranda: | ||
| Average total assets | $72,106,250 | 5,876 |
| Average earning assets | $66,677,000 | 5,845 |
| Average equity | $5,986,250 | 6,450 |
| Average total loans | $60,807,250 | 5,109 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2600% | 3,651 |
| Cost of funding earning assets | 1.4675% | 3,444 |
| Net interest margin | 3.7925% | 3,928 |
| Noninterest income to average assets | 0.2602% | 6,058 |
| Noninterest expense to average assets | 3.7253% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0372% | 6,020 |
| Return on assets (ROA) | 0.0372% | 6,116 |
| Pretax return on assets | 0.0372% | 6,090 |
| Return on Equity (ROE) | 0.4369% | 6,103 |
| Retained earnings to average equity (ytd only) | 0.4369% | 5,590 |
| Net charge-offs to loans | 0.0410% | 5,801 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1.0833% | 4,711 |
| Efficiency ratio | 99.0122% | 844 |
| Assets per employee ($millions) | 3.9689% | 3,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 7,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 85.9035% | 234 |
| Net loans and leases to deposits | 94.0830% | 1,263 |
| Net loans and leases to core deposits | 105.8135% | 1,463 |
| Total domestic deposits to total assets | 91.3061% | 382 |
| Equity capital to assets | 7.9195% | 6,836 |
| Core capital (leverage) ratio | 8.0472% | 6,202 |
| Tier 1 risk-based capital ratio | 16.1654% | 2,603 |
| Total risk-based capital ratio | 17.4160% | 2,560 |
| Memoranda: | ||
| Average total assets | $69,954,670 | 5,980 |
| Average earning assets | $64,600,670 | 5,938 |
| Average equity | $5,951,670 | 6,484 |
| Average total loans | $58,588,000 | 5,245 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1304% | 4,393 |
| Cost of funding earning assets | 1.3746% | 4,333 |
| Net interest margin | 3.7559% | 3,978 |
| Noninterest income to average assets | 0.1130% | 7,126 |
| Noninterest expense to average assets | 3.7901% | 1,345 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.2142% | 6,559 |
| Return on assets (ROA) | -0.2142% | 6,628 |
| Pretax return on assets | -0.2142% | 6,568 |
| Return on Equity (ROE) | -2.4236% | 6,683 |
| Retained earnings to average equity (ytd only) | -2.4236% | 6,277 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9900% | 677 |
| Assets per employee ($millions) | 4.3480% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 7,046 |
| Loan loss allowance to noncurrent loans | 1,111.3636% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 7,337 |
| Noncurrent loans to loans | 0.0750% | 7,212 |
| Net loans and leases to total assets | 78.7570% | 1,016 |
| Net loans and leases to deposits | 85.7235% | 2,642 |
| Net loans and leases to core deposits | 101.4005% | 1,983 |
| Total domestic deposits to total assets | 91.8732% | 270 |
| Equity capital to assets | 8.0145% | 6,638 |
| Core capital (leverage) ratio | 9.1568% | 4,288 |
| Tier 1 risk-based capital ratio | 13.6617% | 3,887 |
| Total risk-based capital ratio | 14.7894% | 3,923 |
| Memoranda: | ||
| Average total assets | $67,227,500 | 6,130 |
| Average earning assets | $61,983,000 | 6,086 |
| Average equity | $5,941,500 | 6,540 |
| Average total loans | $55,254,000 | 5,448 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7930% | 2,687 |
| Cost of funding earning assets | 1.4201% | 5,846 |
| Net interest margin | 4.3729% | 1,505 |
| Noninterest income to average assets | 0.3097% | 5,863 |
| Noninterest expense to average assets | 4.4616% | 828 |
| Loan and lease loss provision to assets | 0.0659% | 6,915 |
| Net operating income to assets | -0.1818% | 5,823 |
| Return on assets (ROA) | -0.1818% | 5,817 |
| Pretax return on assets | -0.1818% | 5,682 |
| Return on Equity (ROE) | -1.5294% | 5,782 |
| Retained earnings to average equity (ytd only) | -1.5294% | 5,396 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6667% | 989 |
| Assets per employee ($millions) | 3.3633% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 6,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 84.7652% | 370 |
| Net loans and leases to deposits | 94.1233% | 1,577 |
| Net loans and leases to core deposits | 124.4205% | 1,612 |
| Total domestic deposits to total assets | 90.0576% | 932 |
| Equity capital to assets | 9.8432% | 3,952 |
| Core capital (leverage) ratio | 9.7325% | 3,408 |
| Tier 1 risk-based capital ratio | 17.3580% | 2,063 |
| Total risk-based capital ratio | 18.6105% | 2,022 |
| Memoranda: | ||
| Average total assets | $50,049,200 | 6,703 |
| Average earning assets | $46,193,800 | 6,675 |
| Average equity | $5,950,000 | 6,621 |
| Average total loans | $40,223,000 | 6,095 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7306% | 3,186 |
| Cost of funding earning assets | 1.4047% | 6,212 |
| Net interest margin | 4.3260% | 1,658 |
| Noninterest income to average assets | 0.3233% | 5,890 |
| Noninterest expense to average assets | 4.5908% | 665 |
| Loan and lease loss provision to assets | 0.0928% | 6,439 |
| Net operating income to assets | -0.3430% | 6,258 |
| Return on assets (ROA) | -0.3430% | 6,268 |
| Pretax return on assets | -0.3430% | 6,141 |
| Return on Equity (ROE) | -2.7348% | 6,204 |
| Retained earnings to average equity (ytd only) | -2.7348% | 5,885 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7642% | 861 |
| Assets per employee ($millions) | 3.7500% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 80.6233% | 1,060 |
| Net loans and leases to deposits | 89.5815% | 2,656 |
| Net loans and leases to core deposits | 123.1894% | 1,979 |
| Total domestic deposits to total assets | 90.0000% | 766 |
| Equity capital to assets | 9.8800% | 4,234 |
| Core capital (leverage) ratio | 10.4852% | 2,805 |
| Tier 1 risk-based capital ratio | 17.8334% | 2,039 |
| Total risk-based capital ratio | 19.0849% | 1,985 |
| Memoranda: | ||
| Average total assets | $47,426,750 | 6,860 |
| Average earning assets | $44,043,000 | 6,815 |
| Average equity | $5,947,750 | 6,681 |
| Average total loans | $37,327,500 | 6,270 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6331% | 3,896 |
| Cost of funding earning assets | 1.3749% | 6,568 |
| Net interest margin | 4.2582% | 1,788 |
| Noninterest income to average assets | 0.3238% | 5,923 |
| Noninterest expense to average assets | 4.9589% | 525 |
| Loan and lease loss provision to assets | 0.1527% | 5,546 |
| Net operating income to assets | -0.8049% | 6,835 |
| Return on assets (ROA) | -0.8049% | 6,837 |
| Pretax return on assets | -0.8049% | 6,683 |
| Return on Equity (ROE) | -5.8445% | 6,694 |
| Retained earnings to average equity (ytd only) | -5.8445% | 6,427 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1450% | 751 |
| Assets per employee ($millions) | 3.3856% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 4,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 77.1306% | 1,925 |
| Net loans and leases to deposits | 87.3687% | 3,289 |
| Net loans and leases to core deposits | 123.3817% | 2,080 |
| Total domestic deposits to total assets | 88.2817% | 1,632 |
| Equity capital to assets | 11.5725% | 2,490 |
| Core capital (leverage) ratio | 12.8254% | 1,490 |
| Tier 1 risk-based capital ratio | 17.9901% | 2,028 |
| Total risk-based capital ratio | 19.2421% | 1,960 |
| Memoranda: | ||
| Average total assets | $43,235,670 | 7,087 |
| Average earning assets | $40,439,330 | 7,037 |
| Average equity | $5,954,330 | 6,736 |
| Average total loans | $33,482,330 | 6,536 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7134% | 3,731 |
| Cost of funding earning assets | 1.4066% | 6,710 |
| Net interest margin | 4.3069% | 1,581 |
| Noninterest income to average assets | 0.3142% | 5,932 |
| Noninterest expense to average assets | 5.4230% | 378 |
| Loan and lease loss provision to assets | 0.0507% | 6,332 |
| Net operating income to assets | -1.1556% | 7,338 |
| Return on assets (ROA) | -1.1556% | 7,350 |
| Pretax return on assets | -1.1556% | 7,229 |
| Return on Equity (ROE) | -7.6089% | 7,207 |
| Retained earnings to average equity (ytd only) | -7.6089% | 6,871 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.5869% | 556 |
| Assets per employee ($millions) | 2.8632% | 6,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 2,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 74.3071% | 2,678 |
| Net loans and leases to deposits | 87.3259% | 3,414 |
| Net loans and leases to core deposits | 125.2407% | 1,976 |
| Total domestic deposits to total assets | 85.0917% | 3,152 |
| Equity capital to assets | 14.8085% | 1,160 |
| Core capital (leverage) ratio | 15.0339% | 969 |
| Tier 1 risk-based capital ratio | 20.1057% | 1,607 |
| Total risk-based capital ratio | 21.3216% | 1,565 |
| Memoranda: | ||
| Average total assets | $39,461,500 | 7,278 |
| Average earning assets | $36,685,500 | 7,233 |
| Average equity | $5,993,000 | 6,762 |
| Average total loans | $30,394,000 | 6,740 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5197% | 2,868 |
| Cost of funding earning assets | 2.2288% | 5,465 |
| Net interest margin | 4.2910% | 2,011 |
| Noninterest income to average assets | 0.3745% | 5,700 |
| Noninterest expense to average assets | 6.2286% | 372 |
| Loan and lease loss provision to assets | 1.0292% | 1,423 |
| Net operating income to assets | -3.0718% | 7,841 |
| Return on assets (ROA) | -3.0718% | 7,810 |
| Pretax return on assets | -3.0718% | 7,725 |
| Return on Equity (ROE) | -21.5586% | 7,791 |
| Retained earnings to average equity (ytd only) | -21.5586% | 7,717 |
| Net charge-offs to loans | 0.4565% | 2,547 |
| Credit loss provision to net charge-offs | 305.6075% | 1,475 |
| Earnings coverage of net charge-offs (x) | -6.0654% | 6,854 |
| Efficiency ratio | 148.7970% | 358 |
| Assets per employee ($millions) | 2.5892% | 7,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 2,731 |
| Loan loss allowance to noncurrent loans | 337.7778% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 6,204 |
| Noncurrent loans to loans | 0.4420% | 6,034 |
| Net loans and leases to total assets | 77.4628% | 2,273 |
| Net loans and leases to deposits | 91.8935% | 3,158 |
| Net loans and leases to core deposits | 140.3022% | 1,248 |
| Total domestic deposits to total assets | 84.2963% | 3,178 |
| Equity capital to assets | 15.5775% | 1,031 |
| Core capital (leverage) ratio | 15.8278% | 857 |
| Tier 1 risk-based capital ratio | 20.0225% | 1,618 |
| Total risk-based capital ratio | 21.2338% | 1,586 |
| Memoranda: | ||
| Average total assets | $31,772,600 | 7,576 |
| Average earning assets | $28,222,000 | 7,608 |
| Average equity | $4,527,200 | 7,326 |
| Average total loans | $23,438,000 | 7,113 |