Home > The Chasewood Bank > Performance and Condition Ratios
The Chasewood 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 | 5.6954% | 931 |
| Cost of funding earning assets | 0.8199% | 3,680 |
| Net interest margin | 4.8755% | 377 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 3.0652% | 1,020 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.4402% | 1,135 |
| Return on assets (ROA) | 1.4402% | 1,105 |
| Pretax return on assets | 1.8158% | 868 |
| Return on Equity (ROE) | 14.0800% | 1,468 |
| Retained earnings to average equity (ytd only) | 14.0767% | 394 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.4257% | 2,793 |
| Assets per employee ($millions) | 4.6557% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 3,924 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.4500% | 2,203 |
| Net loans and leases to deposits | 78.3731% | 2,235 |
| Net loans and leases to core deposits | 97.8261% | 1,550 |
| Total domestic deposits to total assets | 84.7900% | 2,377 |
| Equity capital to assets | 12.1120% | 1,093 |
| Core capital (leverage) ratio | 12.4395% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $102,766,800 | 3,808 |
| Average earning assets | $97,569,600 | 3,769 |
| Average equity | $10,513,800 | 3,661 |
| Average total loans | $61,831,400 | 3,681 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5564% | 954 |
| Cost of funding earning assets | 0.7241% | 3,716 |
| Net interest margin | 4.8324% | 392 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.9422% | 1,153 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.5503% | 1,019 |
| Return on assets (ROA) | 1.5503% | 1,012 |
| Pretax return on assets | 1.9509% | 802 |
| Return on Equity (ROE) | 15.8000% | 1,291 |
| Retained earnings to average equity (ytd only) | 15.7964% | 481 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.7734% | 2,993 |
| Assets per employee ($millions) | 4.5645% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 3,985 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 65.0900% | 2,335 |
| Net loans and leases to deposits | 76.0288% | 2,409 |
| Net loans and leases to core deposits | 97.3658% | 1,482 |
| Total domestic deposits to total assets | 85.6100% | 2,312 |
| Equity capital to assets | 11.3150% | 1,238 |
| Core capital (leverage) ratio | 11.6784% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $105,180,000 | 3,793 |
| Average earning assets | $99,989,750 | 3,760 |
| Average equity | $10,322,750 | 3,684 |
| Average total loans | $61,693,250 | 3,691 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3887% | 966 |
| Cost of funding earning assets | 0.6365% | 3,669 |
| Net interest margin | 4.7522% | 427 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.7593% | 1,498 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.6918% | 797 |
| Return on assets (ROA) | 1.6918% | 800 |
| Pretax return on assets | 2.1480% | 578 |
| Return on Equity (ROE) | 18.0500% | 949 |
| Retained earnings to average equity (ytd only) | 18.0522% | 340 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.9132% | 3,431 |
| Assets per employee ($millions) | 5.0764% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8077% | 4,003 |
| 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 | 59.8800% | 2,781 |
| Net loans and leases to deposits | 69.5045% | 2,828 |
| Net loans and leases to core deposits | 89.1062% | 1,860 |
| Total domestic deposits to total assets | 86.1500% | 2,185 |
| Equity capital to assets | 10.4849% | 1,606 |
| Core capital (leverage) ratio | 10.7425% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $108,288,333 | 3,786 |
| Average earning assets | $103,067,667 | 3,748 |
| Average equity | $10,148,333 | 3,725 |
| Average total loans | $61,292,333 | 3,701 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2620% | 872 |
| Cost of funding earning assets | 0.5713% | 3,470 |
| Net interest margin | 4.6907% | 448 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.8620% | 1,313 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.3540% | 1,532 |
| Return on assets (ROA) | 1.3540% | 1,502 |
| Pretax return on assets | 1.7194% | 1,237 |
| Return on Equity (ROE) | 15.2700% | 1,506 |
| Retained earnings to average equity (ytd only) | 15.2727% | 768 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.0824% | 2,684 |
| Assets per employee ($millions) | 5.3724% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7883% | 4,106 |
| 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 | 57.1600% | 2,944 |
| Net loans and leases to deposits | 65.3143% | 2,993 |
| Net loans and leases to core deposits | 84.2518% | 1,971 |
| Total domestic deposits to total assets | 87.5100% | 2,084 |
| Equity capital to assets | 9.3878% | 2,238 |
| Core capital (leverage) ratio | 9.6743% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $111,669,000 | 3,802 |
| Average earning assets | $106,423,000 | 3,756 |
| Average equity | $9,900,000 | 3,798 |
| Average total loans | $61,296,000 | 3,743 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 1,696 |
| Cost of funding earning assets | 0.3677% | 2,349 |
| Net interest margin | 3.6399% | 1,520 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.7041% | 1,545 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.6192% | 3,834 |
| Return on assets (ROA) | 0.6192% | 3,785 |
| Pretax return on assets | 0.7931% | 3,644 |
| Return on Equity (ROE) | 7.4600% | 3,531 |
| Retained earnings to average equity (ytd only) | 7.4646% | 2,045 |
| Net charge-offs to loans | 0.0033% | 2,359 |
| Credit loss provision to net charge-offs | 1,600.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 467.5000% | 352 |
| Efficiency ratio | 76.7065% | 946 |
| Assets per employee ($millions) | 5.7945% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 3,940 |
| 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 | 51.9300% | 3,363 |
| Net loans and leases to deposits | 58.4710% | 3,422 |
| Net loans and leases to core deposits | 75.3556% | 2,471 |
| Total domestic deposits to total assets | 88.8000% | 1,780 |
| Equity capital to assets | 8.3812% | 2,782 |
| Core capital (leverage) ratio | 9.0075% | 3,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $113,862,600 | 3,793 |
| Average earning assets | $106,348,200 | 3,767 |
| Average equity | $9,444,600 | 3,938 |
| Average total loans | $61,054,400 | 3,705 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7037% | 2,041 |
| Cost of funding earning assets | 0.3306% | 1,855 |
| Net interest margin | 3.3731% | 2,062 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 2.7029% | 1,466 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.4093% | 4,225 |
| Return on assets (ROA) | 0.4093% | 4,167 |
| Pretax return on assets | 0.5281% | 4,104 |
| Return on Equity (ROE) | 4.9500% | 3,988 |
| Retained earnings to average equity (ytd only) | 4.9479% | 3,119 |
| Net charge-offs to loans | 0.0044% | 2,036 |
| Credit loss provision to net charge-offs | 1,200.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 236.5000% | 561 |
| Efficiency ratio | 82.9304% | 609 |
| Assets per employee ($millions) | 5.9597% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7974% | 4,099 |
| 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 | 55.1500% | 2,991 |
| Net loans and leases to deposits | 60.6874% | 3,136 |
| Net loans and leases to core deposits | 77.4402% | 2,085 |
| Total domestic deposits to total assets | 90.8800% | 1,288 |
| Equity capital to assets | 8.1477% | 2,794 |
| Core capital (leverage) ratio | 9.0231% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $113,355,750 | 3,816 |
| Average earning assets | $105,261,000 | 3,803 |
| Average equity | $9,377,500 | 3,992 |
| Average total loans | $61,146,250 | 3,727 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4728% | 2,216 |
| Cost of funding earning assets | 0.3164% | 1,563 |
| Net interest margin | 3.1564% | 2,341 |
| Noninterest income to average assets | 0.1288% | 4,359 |
| Noninterest expense to average assets | 2.6103% | 1,608 |
| Loan and lease loss provision to assets | 0.0265% | 2,121 |
| Net operating income to assets | 0.2910% | 4,306 |
| Return on assets (ROA) | 0.2910% | 4,254 |
| Pretax return on assets | 0.3774% | 4,190 |
| Return on Equity (ROE) | 3.5002% | 4,136 |
| Retained earnings to average equity (ytd only) | 3.5002% | 3,278 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6004% | 560 |
| Assets per employee ($millions) | 5.4520% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8137% | 4,153 |
| 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 | 55.3347% | 2,820 |
| Net loans and leases to deposits | 61.0087% | 2,973 |
| Net loans and leases to core deposits | 78.4769% | 1,821 |
| Total domestic deposits to total assets | 90.6997% | 1,380 |
| Equity capital to assets | 8.3593% | 2,862 |
| Core capital (leverage) ratio | 8.8827% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2140% | 1,653 |
| Memoranda: | ||
| Average total assets | $113,396,000 | 3,862 |
| Average earning assets | $103,663,667 | 3,871 |
| Average equity | $9,428,000 | 4,054 |
| Average total loans | $60,543,000 | 3,777 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2836% | 2,438 |
| Cost of funding earning assets | 0.3436% | 1,260 |
| Net interest margin | 2.9400% | 2,709 |
| Noninterest income to average assets | 0.1350% | 4,340 |
| Noninterest expense to average assets | 2.4400% | 2,046 |
| Loan and lease loss provision to assets | 0.0277% | 1,869 |
| Net operating income to assets | 0.2077% | 4,320 |
| Return on assets (ROA) | 0.2077% | 4,287 |
| Pretax return on assets | 0.2734% | 4,224 |
| Return on Equity (ROE) | 2.5040% | 4,185 |
| Retained earnings to average equity (ytd only) | 2.5040% | 3,409 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0152% | 594 |
| Assets per employee ($millions) | 5.8922% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8490% | 4,154 |
| 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 | 50.9080% | 3,079 |
| Net loans and leases to deposits | 56.1691% | 3,256 |
| Net loans and leases to core deposits | 74.3856% | 1,908 |
| Total domestic deposits to total assets | 90.6334% | 1,226 |
| Equity capital to assets | 8.4394% | 3,212 |
| Core capital (leverage) ratio | 8.4460% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1537% | 1,747 |
| Memoranda: | ||
| Average total assets | $115,574,000 | 3,858 |
| Average earning assets | $102,449,500 | 3,905 |
| Average equity | $9,584,500 | 4,102 |
| Average total loans | $60,398,500 | 3,787 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3304% | 3,112 |
| Cost of funding earning assets | 0.4906% | 971 |
| Net interest margin | 2.8398% | 3,585 |
| Noninterest income to average assets | 0.1282% | 4,504 |
| Noninterest expense to average assets | 2.6739% | 1,703 |
| Loan and lease loss provision to assets | 0.0176% | 2,719 |
| Net operating income to assets | 0.0966% | 4,623 |
| Return on assets (ROA) | 0.0966% | 4,631 |
| Pretax return on assets | 0.0755% | 4,658 |
| Return on Equity (ROE) | 1.1325% | 4,595 |
| Retained earnings to average equity (ytd only) | 1.1325% | 4,220 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6349% | 190 |
| Assets per employee ($millions) | 6.2735% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7581% | 4,329 |
| 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 | 52.7169% | 2,983 |
| Net loans and leases to deposits | 57.9437% | 3,261 |
| Net loans and leases to core deposits | 76.4524% | 1,881 |
| Total domestic deposits to total assets | 90.9796% | 498 |
| Equity capital to assets | 8.1554% | 4,270 |
| Core capital (leverage) ratio | 8.2029% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,843,000 | 3,858 |
| Average earning assets | $105,782,600 | 3,845 |
| Average equity | $9,712,800 | 4,164 |
| Average total loans | $62,395,400 | 3,779 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3510% | 3,243 |
| Cost of funding earning assets | 0.5284% | 915 |
| Net interest margin | 2.8226% | 3,727 |
| Noninterest income to average assets | 0.1315% | 4,538 |
| Noninterest expense to average assets | 2.6961% | 1,598 |
| Loan and lease loss provision to assets | 0.0098% | 2,794 |
| Net operating income to assets | 0.0533% | 4,720 |
| Return on assets (ROA) | 0.0533% | 4,734 |
| Pretax return on assets | 0.0533% | 4,735 |
| Return on Equity (ROE) | 0.6179% | 4,721 |
| Retained earnings to average equity (ytd only) | 0.6179% | 4,480 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7234% | 177 |
| Assets per employee ($millions) | 5.6048% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7618% | 4,405 |
| 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 | 54.3887% | 2,926 |
| Net loans and leases to deposits | 60.2125% | 3,213 |
| Net loans and leases to core deposits | 80.9300% | 1,659 |
| Total domestic deposits to total assets | 90.3278% | 627 |
| Equity capital to assets | 8.6971% | 4,070 |
| Core capital (leverage) ratio | 8.5469% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,504,500 | 3,918 |
| Average earning assets | $104,723,250 | 3,901 |
| Average equity | $9,710,750 | 4,223 |
| Average total loans | $62,165,000 | 3,834 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3491% | 3,315 |
| Cost of funding earning assets | 0.5658% | 885 |
| Net interest margin | 2.7833% | 3,821 |
| Noninterest income to average assets | 0.1332% | 4,537 |
| Noninterest expense to average assets | 2.6864% | 1,625 |
| Loan and lease loss provision to assets | 0.0142% | 2,671 |
| Net operating income to assets | 0.0178% | 4,764 |
| Return on assets (ROA) | 0.0178% | 4,774 |
| Pretax return on assets | 0.0178% | 4,773 |
| Return on Equity (ROE) | 0.2062% | 4,771 |
| Retained earnings to average equity (ytd only) | 0.2062% | 4,476 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8243% | 179 |
| Assets per employee ($millions) | 5.5586% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 4,443 |
| Loan loss allowance to noncurrent loans | 5,850.0000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 4,266 |
| Noncurrent loans to loans | 0.0129% | 4,175 |
| Net loans and leases to total assets | 55.2779% | 2,984 |
| Net loans and leases to deposits | 61.2625% | 3,276 |
| Net loans and leases to core deposits | 83.3849% | 1,611 |
| Total domestic deposits to total assets | 90.2313% | 679 |
| Equity capital to assets | 8.7100% | 4,038 |
| Core capital (leverage) ratio | 8.3451% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,641,000 | 3,939 |
| Average earning assets | $104,624,333 | 3,925 |
| Average equity | $9,698,000 | 4,237 |
| Average total loans | $62,408,333 | 3,854 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3276% | 3,387 |
| Cost of funding earning assets | 0.5812% | 956 |
| Net interest margin | 2.7464% | 3,872 |
| Noninterest income to average assets | 0.1411% | 4,499 |
| Noninterest expense to average assets | 2.6425% | 1,763 |
| Loan and lease loss provision to assets | 0.0106% | 2,635 |
| Net operating income to assets | 0.0388% | 4,760 |
| Return on assets (ROA) | 0.0388% | 4,765 |
| Pretax return on assets | 0.0388% | 4,766 |
| Return on Equity (ROE) | 0.4534% | 4,759 |
| Retained earnings to average equity (ytd only) | 0.4534% | 4,314 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1651% | 214 |
| Assets per employee ($millions) | 5.4450% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 4,520 |
| 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 | 55.0777% | 3,140 |
| Net loans and leases to deposits | 60.8848% | 3,419 |
| Net loans and leases to core deposits | 82.6646% | 1,787 |
| Total domestic deposits to total assets | 90.4621% | 599 |
| Equity capital to assets | 8.4333% | 4,171 |
| Core capital (leverage) ratio | 8.5192% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,376,000 | 3,937 |
| Average earning assets | $105,300,000 | 3,925 |
| Average equity | $9,705,500 | 4,245 |
| Average total loans | $62,652,000 | 3,870 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 2,381 |
| Cost of funding earning assets | 0.8635% | 978 |
| Net interest margin | 3.2508% | 3,209 |
| Noninterest income to average assets | 0.1467% | 4,563 |
| Noninterest expense to average assets | 3.1688% | 1,112 |
| Loan and lease loss provision to assets | 0.3116% | 1,197 |
| Net operating income to assets | -0.2904% | 4,837 |
| Return on assets (ROA) | -0.2843% | 4,850 |
| Pretax return on assets | -0.2843% | 4,842 |
| Return on Equity (ROE) | -2.8620% | 4,862 |
| Retained earnings to average equity (ytd only) | -2.8620% | 4,757 |
| Net charge-offs to loans | 0.4955% | 321 |
| Credit loss provision to net charge-offs | 99.3548% | 2,851 |
| Earnings coverage of net charge-offs (x) | 0.0677% | 3,337 |
| Efficiency ratio | 99.3340% | 185 |
| Assets per employee ($millions) | 5.6204% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 4,517 |
| Loan loss allowance to noncurrent loans | 40.0000% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 923 |
| Noncurrent loans to loans | 1.8589% | 656 |
| Net loans and leases to total assets | 54.6251% | 3,431 |
| Net loans and leases to deposits | 60.2664% | 3,737 |
| Net loans and leases to core deposits | 81.4504% | 2,234 |
| Total domestic deposits to total assets | 90.6395% | 323 |
| Equity capital to assets | 8.6898% | 4,300 |
| Core capital (leverage) ratio | 8.5928% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,839,000 | 4,014 |
| Average earning assets | $92,531,400 | 3,992 |
| Average equity | $9,818,400 | 4,212 |
| Average total loans | $62,557,800 | 3,874 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 2,218 |
| Cost of funding earning assets | 0.9188% | 1,003 |
| Net interest margin | 3.3427% | 3,064 |
| Noninterest income to average assets | 0.1565% | 4,507 |
| Noninterest expense to average assets | 3.3051% | 903 |
| Loan and lease loss provision to assets | 0.0461% | 3,782 |
| Net operating income to assets | -0.0573% | 4,793 |
| Return on assets (ROA) | -0.0489% | 4,809 |
| Pretax return on assets | -0.0405% | 4,801 |
| Return on Equity (ROE) | -0.4747% | 4,816 |
| Retained earnings to average equity (ytd only) | -0.4747% | 4,553 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0846% | 173 |
| Assets per employee ($millions) | 4.9706% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 4,446 |
| Loan loss allowance to noncurrent loans | 159.6774% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 2,965 |
| Noncurrent loans to loans | 0.4785% | 2,624 |
| Net loans and leases to total assets | 61.5863% | 3,059 |
| Net loans and leases to deposits | 68.8048% | 3,407 |
| Net loans and leases to core deposits | 95.3967% | 1,512 |
| Total domestic deposits to total assets | 89.5087% | 584 |
| Equity capital to assets | 9.6271% | 3,577 |
| Core capital (leverage) ratio | 9.5681% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,446,750 | 4,053 |
| Average earning assets | $89,825,000 | 4,024 |
| Average equity | $9,831,000 | 4,227 |
| Average total loans | $62,731,500 | 3,890 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4078% | 2,188 |
| Cost of funding earning assets | 0.9567% | 1,124 |
| Net interest margin | 3.4511% | 2,941 |
| Noninterest income to average assets | 0.1579% | 4,505 |
| Noninterest expense to average assets | 3.4585% | 785 |
| Loan and lease loss provision to assets | 0.0433% | 3,746 |
| Net operating income to assets | -0.0800% | 4,824 |
| Return on assets (ROA) | -0.0670% | 4,822 |
| Pretax return on assets | -0.0541% | 4,812 |
| Return on Equity (ROE) | -0.6354% | 4,829 |
| Retained earnings to average equity (ytd only) | -0.6354% | 4,425 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6927% | 175 |
| Assets per employee ($millions) | 4.5591% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7221% | 4,518 |
| Loan loss allowance to noncurrent loans | 155.4839% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 3,018 |
| Noncurrent loans to loans | 0.4644% | 2,746 |
| Net loans and leases to total assets | 69.2183% | 2,153 |
| Net loans and leases to deposits | 78.2513% | 2,628 |
| Net loans and leases to core deposits | 107.4973% | 838 |
| Total domestic deposits to total assets | 88.4565% | 962 |
| Equity capital to assets | 10.4990% | 2,744 |
| Core capital (leverage) ratio | 10.3377% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,468,333 | 4,088 |
| Average earning assets | $87,798,000 | 4,057 |
| Average equity | $9,758,333 | 4,248 |
| Average total loans | $62,048,667 | 3,905 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4755% | 2,376 |
| Cost of funding earning assets | 0.9853% | 1,484 |
| Net interest margin | 3.4902% | 3,012 |
| Noninterest income to average assets | 0.1673% | 4,531 |
| Noninterest expense to average assets | 3.4261% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0373% | 4,724 |
| Return on assets (ROA) | 0.0617% | 4,693 |
| Pretax return on assets | 0.0793% | 4,677 |
| Return on Equity (ROE) | 0.5826% | 4,683 |
| Retained earnings to average equity (ytd only) | 0.5826% | 3,850 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6058% | 265 |
| Assets per employee ($millions) | 3.5110% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7557% | 4,504 |
| Loan loss allowance to noncurrent loans | 149.0323% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 3,087 |
| Noncurrent loans to loans | 0.5071% | 2,749 |
| Net loans and leases to total assets | 66.4666% | 2,759 |
| Net loans and leases to deposits | 75.3293% | 3,137 |
| Net loans and leases to core deposits | 104.3064% | 1,169 |
| Total domestic deposits to total assets | 88.2346% | 1,003 |
| Equity capital to assets | 10.6896% | 3,150 |
| Core capital (leverage) ratio | 10.8034% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6192% | 1,710 |
| Memoranda: | ||
| Average total assets | $90,831,500 | 4,107 |
| Average earning assets | $86,069,500 | 4,077 |
| Average equity | $9,611,500 | 4,281 |
| Average total loans | $59,696,500 | 3,963 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 3,496 |
| Cost of funding earning assets | 0.8932% | 2,220 |
| Net interest margin | 3.4212% | 3,675 |
| Noninterest income to average assets | 0.1561% | 4,708 |
| Noninterest expense to average assets | 3.2700% | 1,362 |
| Loan and lease loss provision to assets | 0.0126% | 3,761 |
| Net operating income to assets | 0.1247% | 4,912 |
| Return on assets (ROA) | 0.1247% | 4,927 |
| Pretax return on assets | 0.1404% | 4,924 |
| Return on Equity (ROE) | 1.3024% | 4,881 |
| Retained earnings to average equity (ytd only) | 1.3024% | 4,275 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5311% | 217 |
| Assets per employee ($millions) | 3.4761% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7930% | 4,326 |
| Loan loss allowance to noncurrent loans | 149.0323% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 3,035 |
| Noncurrent loans to loans | 0.5321% | 2,580 |
| Net loans and leases to total assets | 63.9481% | 3,207 |
| Net loans and leases to deposits | 71.5099% | 3,550 |
| Net loans and leases to core deposits | 100.2393% | 1,542 |
| Total domestic deposits to total assets | 89.4255% | 517 |
| Equity capital to assets | 10.4727% | 3,476 |
| Core capital (leverage) ratio | 10.8532% | 2,634 |
| Tier 1 risk-based capital ratio | 15.6991% | 2,503 |
| Total risk-based capital ratio | 16.4408% | 2,639 |
| Memoranda: | ||
| Average total assets | $95,442,800 | 4,068 |
| Average earning assets | $91,137,000 | 4,031 |
| Average equity | $9,137,200 | 4,357 |
| Average total loans | $55,753,600 | 4,058 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 3,551 |
| Cost of funding earning assets | 0.8561% | 2,433 |
| Net interest margin | 3.4837% | 3,612 |
| Noninterest income to average assets | 0.1558% | 4,769 |
| Noninterest expense to average assets | 3.2564% | 1,361 |
| Loan and lease loss provision to assets | 0.0165% | 3,580 |
| Net operating income to assets | 0.1696% | 4,972 |
| Return on assets (ROA) | 0.1696% | 4,985 |
| Pretax return on assets | 0.2151% | 4,976 |
| Return on Equity (ROE) | 1.8111% | 4,923 |
| Retained earnings to average equity (ytd only) | 1.8111% | 4,337 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3597% | 248 |
| Assets per employee ($millions) | 3.4180% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 4,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 62.2928% | 3,464 |
| Net loans and leases to deposits | 71.5815% | 3,634 |
| Net loans and leases to core deposits | 100.1103% | 1,647 |
| Total domestic deposits to total assets | 87.0236% | 1,499 |
| Equity capital to assets | 10.6077% | 3,458 |
| Core capital (leverage) ratio | 10.9114% | 2,725 |
| Tier 1 risk-based capital ratio | 16.5982% | 2,229 |
| Total risk-based capital ratio | 17.3822% | 2,318 |
| Memoranda: | ||
| Average total assets | $96,709,000 | 4,097 |
| Average earning assets | $92,505,250 | 4,044 |
| Average equity | $9,055,250 | 4,417 |
| Average total loans | $55,127,750 | 4,121 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2890% | 3,665 |
| Cost of funding earning assets | 0.8106% | 2,592 |
| Net interest margin | 3.4784% | 3,664 |
| Noninterest income to average assets | 0.1551% | 4,803 |
| Noninterest expense to average assets | 3.1735% | 1,561 |
| Loan and lease loss provision to assets | 0.0242% | 3,326 |
| Net operating income to assets | 0.2134% | 4,979 |
| Return on assets (ROA) | 0.2134% | 4,990 |
| Pretax return on assets | 0.2839% | 4,950 |
| Return on Equity (ROE) | 2.3737% | 4,893 |
| Retained earnings to average equity (ytd only) | 2.3737% | 3,993 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1510% | 310 |
| Assets per employee ($millions) | 3.4581% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 4,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 61.2584% | 3,623 |
| Net loans and leases to deposits | 70.2570% | 3,821 |
| Net loans and leases to core deposits | 98.4960% | 1,851 |
| Total domestic deposits to total assets | 87.1918% | 1,504 |
| Equity capital to assets | 10.4570% | 3,551 |
| Core capital (leverage) ratio | 10.6068% | 2,979 |
| Tier 1 risk-based capital ratio | 16.4134% | 2,274 |
| Total risk-based capital ratio | 17.1900% | 2,384 |
| Memoranda: | ||
| Average total assets | $99,322,330 | 4,081 |
| Average earning assets | $94,986,330 | 4,012 |
| Average equity | $8,931,330 | 4,453 |
| Average total loans | $54,896,670 | 4,148 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 4,051 |
| Cost of funding earning assets | 0.7598% | 2,737 |
| Net interest margin | 3.3727% | 3,972 |
| Noninterest income to average assets | 0.1500% | 4,847 |
| Noninterest expense to average assets | 3.0338% | 1,895 |
| Loan and lease loss provision to assets | 0.0308% | 3,005 |
| Net operating income to assets | 0.2277% | 4,990 |
| Return on assets (ROA) | 0.2307% | 4,992 |
| Pretax return on assets | 0.3153% | 4,943 |
| Return on Equity (ROE) | 2.7599% | 4,837 |
| Retained earnings to average equity (ytd only) | 2.7599% | 3,832 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8633% | 396 |
| Assets per employee ($millions) | 3.6391% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 4,403 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 57.4368% | 3,948 |
| Net loans and leases to deposits | 63.5436% | 4,211 |
| Net loans and leases to core deposits | 89.1428% | 2,590 |
| Total domestic deposits to total assets | 90.3897% | 317 |
| Equity capital to assets | 9.4856% | 4,274 |
| Core capital (leverage) ratio | 9.7479% | 3,871 |
| Tier 1 risk-based capital ratio | 16.0342% | 2,423 |
| Total risk-based capital ratio | 16.7899% | 2,551 |
| Memoranda: | ||
| Average total assets | $104,028,000 | 4,037 |
| Average earning assets | $99,503,500 | 3,977 |
| Average equity | $8,696,000 | 4,510 |
| Average total loans | $54,575,000 | 4,198 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 4,334 |
| Cost of funding earning assets | 0.6342% | 2,496 |
| Net interest margin | 3.2378% | 4,413 |
| Noninterest income to average assets | 0.4426% | 3,151 |
| Noninterest expense to average assets | 2.8477% | 2,523 |
| Loan and lease loss provision to assets | 0.0260% | 3,653 |
| Net operating income to assets | 0.5799% | 4,469 |
| Return on assets (ROA) | 0.5799% | 4,477 |
| Pretax return on assets | 0.6672% | 4,495 |
| Return on Equity (ROE) | 7.8252% | 3,510 |
| Retained earnings to average equity (ytd only) | 7.8252% | 1,319 |
| Net charge-offs to loans | 0.0038% | 3,592 |
| Credit loss provision to net charge-offs | 1,400.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 373.5000% | 275 |
| Efficiency ratio | 80.4245% | 922 |
| Assets per employee ($millions) | 4.3630% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8280% | 4,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 47.5119% | 4,672 |
| Net loans and leases to deposits | 51.3657% | 4,841 |
| Net loans and leases to core deposits | 68.9970% | 4,175 |
| Total domestic deposits to total assets | 92.4973% | 52 |
| Equity capital to assets | 7.4198% | 5,289 |
| Core capital (leverage) ratio | 8.4756% | 5,036 |
| Tier 1 risk-based capital ratio | 15.0813% | 2,793 |
| Total risk-based capital ratio | 15.7840% | 2,963 |
| Memoranda: | ||
| Average total assets | $107,770,800 | 3,970 |
| Average earning assets | $103,125,800 | 3,932 |
| Average equity | $7,987,000 | 4,609 |
| Average total loans | $52,510,200 | 4,252 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7251% | 4,607 |
| Cost of funding earning assets | 0.5824% | 2,610 |
| Net interest margin | 3.1427% | 4,629 |
| Noninterest income to average assets | 0.5504% | 2,567 |
| Noninterest expense to average assets | 2.8871% | 2,342 |
| Loan and lease loss provision to assets | 0.0326% | 3,367 |
| Net operating income to assets | 0.5052% | 4,752 |
| Return on assets (ROA) | 0.5052% | 4,755 |
| Pretax return on assets | 0.6343% | 4,671 |
| Return on Equity (ROE) | 6.8192% | 3,990 |
| Retained earnings to average equity (ytd only) | 6.8192% | 2,223 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2346% | 839 |
| Assets per employee ($millions) | 4.4833% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8595% | 4,422 |
| Loan loss allowance to noncurrent loans | 88.0626% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 2,929 |
| Noncurrent loans to loans | 0.9761% | 1,740 |
| Net loans and leases to total assets | 44.5263% | 4,867 |
| Net loans and leases to deposits | 47.7748% | 5,017 |
| Net loans and leases to core deposits | 66.6877% | 4,372 |
| Total domestic deposits to total assets | 93.2005% | 28 |
| Equity capital to assets | 6.7060% | 5,415 |
| Core capital (leverage) ratio | 9.6855% | 3,958 |
| Tier 1 risk-based capital ratio | 14.9514% | 2,907 |
| Total risk-based capital ratio | 15.6643% | 3,079 |
| Memoranda: | ||
| Average total assets | $106,353,750 | 4,036 |
| Average earning assets | $101,650,750 | 3,989 |
| Average equity | $7,879,500 | 4,673 |
| Average total loans | $52,051,000 | 4,309 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7164% | 4,545 |
| Cost of funding earning assets | 0.5689% | 2,440 |
| Net interest margin | 3.1475% | 4,624 |
| Noninterest income to average assets | 0.1612% | 5,018 |
| Noninterest expense to average assets | 2.9607% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1651% | 5,253 |
| Return on assets (ROA) | 0.1651% | 5,244 |
| Pretax return on assets | 0.2098% | 5,233 |
| Return on Equity (ROE) | 2.1518% | 5,160 |
| Retained earnings to average equity (ytd only) | 2.1518% | 4,413 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3824% | 276 |
| Assets per employee ($millions) | 3.8517% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8133% | 4,649 |
| Loan loss allowance to noncurrent loans | 56.7604% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 2,001 |
| Noncurrent loans to loans | 1.4328% | 1,182 |
| Net loans and leases to total assets | 51.6361% | 4,497 |
| Net loans and leases to deposits | 55.9358% | 4,758 |
| Net loans and leases to core deposits | 80.0492% | 3,416 |
| Total domestic deposits to total assets | 92.3131% | 63 |
| Equity capital to assets | 7.6020% | 5,343 |
| Core capital (leverage) ratio | 9.0329% | 4,663 |
| Tier 1 risk-based capital ratio | 15.2739% | 2,741 |
| Total risk-based capital ratio | 15.9841% | 2,931 |
| Memoranda: | ||
| Average total assets | $102,949,330 | 4,130 |
| Average earning assets | $98,428,330 | 4,077 |
| Average equity | $7,900,330 | 4,713 |
| Average total loans | $51,950,330 | 4,348 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5914% | 4,722 |
| Cost of funding earning assets | 0.5599% | 2,318 |
| Net interest margin | 3.0315% | 4,828 |
| Noninterest income to average assets | 0.1725% | 4,987 |
| Noninterest expense to average assets | 2.9094% | 2,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1342% | 5,303 |
| Return on assets (ROA) | 0.1342% | 5,298 |
| Pretax return on assets | 0.1687% | 5,287 |
| Return on Equity (ROE) | 1.7404% | 5,215 |
| Retained earnings to average equity (ytd only) | 1.7404% | 4,431 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5205% | 284 |
| Assets per employee ($millions) | 3.9433% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 4,762 |
| Loan loss allowance to noncurrent loans | 50.6571% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 0.8164% | 1,944 |
| Noncurrent loans to loans | 1.6023% | 1,087 |
| Net loans and leases to total assets | 50.5389% | 4,521 |
| Net loans and leases to deposits | 54.6774% | 4,762 |
| Net loans and leases to core deposits | 78.8373% | 3,420 |
| Total domestic deposits to total assets | 92.4311% | 68 |
| Equity capital to assets | 7.4772% | 5,421 |
| Core capital (leverage) ratio | 8.7512% | 4,948 |
| Tier 1 risk-based capital ratio | 15.0244% | 2,855 |
| Total risk-based capital ratio | 15.7268% | 3,043 |
| Memoranda: | ||
| Average total assets | $104,351,500 | 4,152 |
| Average earning assets | $100,016,000 | 4,099 |
| Average equity | $8,044,000 | 4,736 |
| Average total loans | $51,858,000 | 4,400 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4505% | 4,860 |
| Cost of funding earning assets | 0.5737% | 1,789 |
| Net interest margin | 2.8767% | 5,076 |
| Noninterest income to average assets | 0.1695% | 5,106 |
| Noninterest expense to average assets | 2.8593% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0421% | 5,314 |
| Return on assets (ROA) | 0.0421% | 5,324 |
| Pretax return on assets | 0.0613% | 5,400 |
| Return on Equity (ROE) | 0.5268% | 5,304 |
| Retained earnings to average equity (ytd only) | 0.5268% | 4,821 |
| Net charge-offs to loans | 0.0020% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 912 |
| Efficiency ratio | 97.9016% | 207 |
| Assets per employee ($millions) | 4.0838% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8237% | 4,761 |
| Loan loss allowance to noncurrent loans | 45.9870% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8684% | 1,792 |
| Noncurrent loans to loans | 1.7911% | 893 |
| Net loans and leases to total assets | 48.0825% | 4,762 |
| Net loans and leases to deposits | 52.2709% | 4,973 |
| Net loans and leases to core deposits | 75.1653% | 3,804 |
| Total domestic deposits to total assets | 91.9870% | 85 |
| Equity capital to assets | 7.9320% | 5,418 |
| Core capital (leverage) ratio | 8.4978% | 5,139 |
| Tier 1 risk-based capital ratio | 14.6352% | 3,020 |
| Total risk-based capital ratio | 15.3221% | 3,221 |
| Memoranda: | ||
| Average total assets | $104,432,800 | 4,161 |
| Average earning assets | $99,870,600 | 4,097 |
| Average equity | $8,351,800 | 4,725 |
| Average total loans | $48,903,000 | 4,488 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4381% | 4,912 |
| Cost of funding earning assets | 0.5741% | 1,717 |
| Net interest margin | 2.8640% | 5,138 |
| Noninterest income to average assets | 0.1718% | 5,158 |
| Noninterest expense to average assets | 2.9128% | 2,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.0103% | 5,516 |
| Return on assets (ROA) | -0.0103% | 5,523 |
| Pretax return on assets | -0.0038% | 5,512 |
| Return on Equity (ROE) | -0.1280% | 5,525 |
| Retained earnings to average equity (ytd only) | -0.1280% | 5,227 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1322% | 177 |
| Assets per employee ($millions) | 4.0798% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8569% | 4,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 46.3568% | 4,919 |
| Net loans and leases to deposits | 50.4763% | 5,112 |
| Net loans and leases to core deposits | 73.6299% | 4,007 |
| Total domestic deposits to total assets | 91.8388% | 70 |
| Equity capital to assets | 8.0726% | 5,497 |
| Core capital (leverage) ratio | 8.5513% | 5,205 |
| Tier 1 risk-based capital ratio | 14.6626% | 3,093 |
| Total risk-based capital ratio | 15.3564% | 3,304 |
| Memoranda: | ||
| Average total assets | $103,996,500 | 4,205 |
| Average earning assets | $99,392,250 | 4,150 |
| Average equity | $8,334,250 | 4,777 |
| Average total loans | $48,259,500 | 4,550 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4195% | 4,939 |
| Cost of funding earning assets | 0.5689% | 1,657 |
| Net interest margin | 2.8506% | 5,167 |
| Noninterest income to average assets | 0.1762% | 5,173 |
| Noninterest expense to average assets | 2.9195% | 2,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0271% | 5,563 |
| Return on assets (ROA) | -0.0271% | 5,564 |
| Pretax return on assets | -0.0174% | 5,555 |
| Return on Equity (ROE) | -0.3391% | 5,569 |
| Retained earnings to average equity (ytd only) | -0.3391% | 5,131 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6004% | 180 |
| Assets per employee ($millions) | 4.0505% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 4,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 44.4964% | 5,014 |
| Net loans and leases to deposits | 48.4566% | 5,193 |
| Net loans and leases to core deposits | 69.2806% | 4,270 |
| Total domestic deposits to total assets | 91.8271% | 86 |
| Equity capital to assets | 8.1007% | 5,488 |
| Core capital (leverage) ratio | 8.6230% | 5,118 |
| Tier 1 risk-based capital ratio | 15.0677% | 2,895 |
| Total risk-based capital ratio | 15.7812% | 3,074 |
| Memoranda: | ||
| Average total assets | $103,303,670 | 4,252 |
| Average earning assets | $98,787,000 | 4,186 |
| Average equity | $8,258,000 | 4,814 |
| Average total loans | $47,813,330 | 4,587 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3903% | 4,943 |
| Cost of funding earning assets | 0.5678% | 1,599 |
| Net interest margin | 2.8225% | 5,208 |
| Noninterest income to average assets | 0.1916% | 5,127 |
| Noninterest expense to average assets | 2.9873% | 2,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0938% | 5,645 |
| Return on assets (ROA) | -0.0938% | 5,651 |
| Pretax return on assets | -0.0938% | 5,641 |
| Return on Equity (ROE) | -1.1820% | 5,663 |
| Retained earnings to average equity (ytd only) | -1.1820% | 5,094 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2432% | 186 |
| Assets per employee ($millions) | 3.9598% | 4,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 4,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 45.9234% | 4,944 |
| Net loans and leases to deposits | 49.9282% | 5,137 |
| Net loans and leases to core deposits | 72.2064% | 3,969 |
| Total domestic deposits to total assets | 91.9789% | 111 |
| Equity capital to assets | 7.9395% | 5,549 |
| Core capital (leverage) ratio | 8.7474% | 5,002 |
| Tier 1 risk-based capital ratio | 15.6661% | 2,680 |
| Total risk-based capital ratio | 16.4087% | 2,826 |
| Memoranda: | ||
| Average total assets | $102,299,500 | 4,307 |
| Average earning assets | $97,926,500 | 4,234 |
| Average equity | $8,121,500 | 4,880 |
| Average total loans | $48,077,500 | 4,621 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4640% | 4,864 |
| Cost of funding earning assets | 0.5433% | 1,766 |
| Net interest margin | 2.9207% | 5,093 |
| Noninterest income to average assets | 0.1718% | 5,359 |
| Noninterest expense to average assets | 2.9625% | 2,458 |
| Loan and lease loss provision to assets | 0.0243% | 3,873 |
| Net operating income to assets | 0.0359% | 5,616 |
| Return on assets (ROA) | 0.1291% | 5,557 |
| Pretax return on assets | 0.0961% | 5,596 |
| Return on Equity (ROE) | 1.5375% | 5,483 |
| Retained earnings to average equity (ytd only) | 1.5375% | 4,646 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0909% | 237 |
| Assets per employee ($millions) | 3.9094% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 4,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 47.2478% | 4,942 |
| Net loans and leases to deposits | 51.3669% | 5,153 |
| Net loans and leases to core deposits | 71.2051% | 4,134 |
| Total domestic deposits to total assets | 91.9809% | 103 |
| Equity capital to assets | 7.9384% | 5,589 |
| Core capital (leverage) ratio | 8.7403% | 5,032 |
| Tier 1 risk-based capital ratio | 16.0562% | 2,516 |
| Total risk-based capital ratio | 16.8152% | 2,651 |
| Memoranda: | ||
| Average total assets | $103,020,800 | 4,309 |
| Average earning assets | $99,392,800 | 4,221 |
| Average equity | $8,650,600 | 4,811 |
| Average total loans | $48,256,800 | 4,626 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3686% | 5,086 |
| Cost of funding earning assets | 0.5376% | 1,809 |
| Net interest margin | 2.8310% | 5,303 |
| Noninterest income to average assets | 0.1716% | 5,413 |
| Noninterest expense to average assets | 2.9539% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0452% | 5,742 |
| Return on assets (ROA) | 0.0787% | 5,690 |
| Pretax return on assets | 0.0787% | 5,695 |
| Return on Equity (ROE) | 0.9246% | 5,649 |
| Retained earnings to average equity (ytd only) | 0.9246% | 5,109 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5521% | 203 |
| Assets per employee ($millions) | 3.9753% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 5,113 |
| Loan loss allowance to noncurrent loans | 61.9195% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 3,038 |
| Noncurrent loans to loans | 1.3344% | 1,655 |
| Net loans and leases to total assets | 46.4531% | 5,067 |
| Net loans and leases to deposits | 51.0201% | 5,252 |
| Net loans and leases to core deposits | 70.4550% | 4,288 |
| Total domestic deposits to total assets | 91.0486% | 185 |
| Equity capital to assets | 8.7850% | 5,326 |
| Core capital (leverage) ratio | 8.5294% | 5,337 |
| Tier 1 risk-based capital ratio | 15.7245% | 2,740 |
| Total risk-based capital ratio | 16.4365% | 2,899 |
| Memoranda: | ||
| Average total assets | $103,364,750 | 4,330 |
| Average earning assets | $99,938,750 | 4,238 |
| Average equity | $8,796,000 | 4,840 |
| Average total loans | $48,208,500 | 4,665 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2943% | 5,299 |
| Cost of funding earning assets | 0.5301% | 1,871 |
| Net interest margin | 2.7643% | 5,490 |
| Noninterest income to average assets | 0.1780% | 5,429 |
| Noninterest expense to average assets | 2.9565% | 2,497 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1045% | 5,814 |
| Return on assets (ROA) | 0.0813% | 5,727 |
| Pretax return on assets | 0.0813% | 5,740 |
| Return on Equity (ROE) | 0.9654% | 5,692 |
| Retained earnings to average equity (ytd only) | 0.9654% | 5,004 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6635% | 194 |
| Assets per employee ($millions) | 3.9858% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8353% | 5,178 |
| Loan loss allowance to noncurrent loans | 56.1010% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6880% | 2,919 |
| Noncurrent loans to loans | 1.4889% | 1,472 |
| Net loans and leases to total assets | 45.8241% | 5,137 |
| Net loans and leases to deposits | 50.2402% | 5,320 |
| Net loans and leases to core deposits | 67.7268% | 4,496 |
| Total domestic deposits to total assets | 91.2102% | 152 |
| Equity capital to assets | 8.6306% | 5,520 |
| Core capital (leverage) ratio | 8.7119% | 5,158 |
| Tier 1 risk-based capital ratio | 15.6408% | 2,806 |
| Total risk-based capital ratio | 16.3439% | 2,970 |
| Memoranda: | ||
| Average total assets | $103,367,000 | 4,358 |
| Average earning assets | $99,990,000 | 4,269 |
| Average equity | $8,701,330 | 4,893 |
| Average total loans | $48,140,330 | 4,708 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3308% | 5,261 |
| Cost of funding earning assets | 0.5331% | 1,845 |
| Net interest margin | 2.7977% | 5,466 |
| Noninterest income to average assets | 0.1937% | 5,346 |
| Noninterest expense to average assets | 2.9564% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0581% | 5,821 |
| Return on assets (ROA) | -0.0581% | 5,841 |
| Pretax return on assets | -0.0581% | 5,844 |
| Return on Equity (ROE) | -0.6993% | 5,856 |
| Retained earnings to average equity (ytd only) | -0.6993% | 5,236 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0053% | 246 |
| Assets per employee ($millions) | 3.9635% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 5,280 |
| Loan loss allowance to noncurrent loans | 56.1010% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 0.6919% | 2,986 |
| Noncurrent loans to loans | 1.4803% | 1,595 |
| Net loans and leases to total assets | 46.3514% | 5,091 |
| Net loans and leases to deposits | 50.7458% | 5,299 |
| Net loans and leases to core deposits | 68.5978% | 4,349 |
| Total domestic deposits to total assets | 91.3403% | 189 |
| Equity capital to assets | 8.5074% | 5,558 |
| Core capital (leverage) ratio | 8.5989% | 5,291 |
| Tier 1 risk-based capital ratio | 15.8345% | 2,766 |
| Total risk-based capital ratio | 16.5509% | 2,959 |
| Memoranda: | ||
| Average total assets | $103,235,000 | 4,403 |
| Average earning assets | $99,794,500 | 4,303 |
| Average equity | $8,580,000 | 4,936 |
| Average total loans | $48,266,500 | 4,727 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2415% | 5,451 |
| Cost of funding earning assets | 0.5483% | 1,780 |
| Net interest margin | 2.6932% | 5,651 |
| Noninterest income to average assets | 0.1841% | 5,494 |
| Noninterest expense to average assets | 2.9103% | 2,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1368% | 5,938 |
| Return on assets (ROA) | -0.1368% | 5,956 |
| Pretax return on assets | -0.1368% | 5,940 |
| Return on Equity (ROE) | -1.6529% | 5,967 |
| Retained earnings to average equity (ytd only) | -1.6529% | 5,727 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9340% | 197 |
| Assets per employee ($millions) | 3.9776% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8270% | 5,334 |
| Loan loss allowance to noncurrent loans | 56.1010% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 2,978 |
| Noncurrent loans to loans | 1.4741% | 1,580 |
| Net loans and leases to total assets | 46.3817% | 5,129 |
| Net loans and leases to deposits | 50.5549% | 5,361 |
| Net loans and leases to core deposits | 68.3359% | 4,419 |
| Total domestic deposits to total assets | 91.7452% | 138 |
| Equity capital to assets | 8.1156% | 5,804 |
| Core capital (leverage) ratio | 8.6643% | 5,259 |
| Tier 1 risk-based capital ratio | 15.8209% | 2,773 |
| Total risk-based capital ratio | 16.5354% | 2,979 |
| Memoranda: | ||
| Average total assets | $103,770,000 | 4,388 |
| Average earning assets | $99,768,000 | 4,299 |
| Average equity | $8,591,200 | 4,938 |
| Average total loans | $45,427,400 | 4,816 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2308% | 5,543 |
| Cost of funding earning assets | 0.5508% | 1,800 |
| Net interest margin | 2.6801% | 5,744 |
| Noninterest income to average assets | 0.1836% | 5,560 |
| Noninterest expense to average assets | 2.9026% | 2,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1515% | 6,029 |
| Return on assets (ROA) | -0.1515% | 6,044 |
| Pretax return on assets | -0.1515% | 6,030 |
| Return on Equity (ROE) | -1.8208% | 6,062 |
| Retained earnings to average equity (ytd only) | -1.8208% | 5,840 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5063% | 197 |
| Assets per employee ($millions) | 3.9427% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 5,268 |
| Loan loss allowance to noncurrent loans | 56.9801% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 3,197 |
| Noncurrent loans to loans | 1.5495% | 1,611 |
| Net loans and leases to total assets | 43.8049% | 5,368 |
| Net loans and leases to deposits | 48.0596% | 5,561 |
| Net loans and leases to core deposits | 65.9035% | 4,697 |
| Total domestic deposits to total assets | 91.1471% | 215 |
| Equity capital to assets | 8.4080% | 5,756 |
| Core capital (leverage) ratio | 8.5736% | 5,491 |
| Tier 1 risk-based capital ratio | 16.4132% | 2,619 |
| Total risk-based capital ratio | 17.1524% | 2,783 |
| Memoranda: | ||
| Average total assets | $103,858,000 | 4,429 |
| Average earning assets | $99,497,000 | 4,345 |
| Average equity | $8,640,750 | 4,990 |
| Average total loans | $44,692,500 | 4,893 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1911% | 5,637 |
| Cost of funding earning assets | 0.5478% | 1,841 |
| Net interest margin | 2.6433% | 5,836 |
| Noninterest income to average assets | 0.1860% | 5,577 |
| Noninterest expense to average assets | 2.9010% | 2,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1802% | 6,089 |
| Return on assets (ROA) | -0.1802% | 6,116 |
| Pretax return on assets | -0.1802% | 6,100 |
| Return on Equity (ROE) | -2.1739% | 6,134 |
| Retained earnings to average equity (ytd only) | -2.1739% | 5,846 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6244% | 213 |
| Assets per employee ($millions) | 4.1304% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9120% | 5,261 |
| Loan loss allowance to noncurrent loans | 26.6845% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 1.4517% | 1,709 |
| Noncurrent loans to loans | 3.4175% | 527 |
| Net loans and leases to total assets | 42.0895% | 5,499 |
| Net loans and leases to deposits | 46.0529% | 5,673 |
| Net loans and leases to core deposits | 62.4185% | 4,910 |
| Total domestic deposits to total assets | 91.3937% | 209 |
| Equity capital to assets | 8.1764% | 5,895 |
| Core capital (leverage) ratio | 8.5820% | 5,459 |
| Tier 1 risk-based capital ratio | 16.6882% | 2,526 |
| Total risk-based capital ratio | 17.4378% | 2,712 |
| Memoranda: | ||
| Average total assets | $104,307,670 | 4,459 |
| Average earning assets | $100,027,670 | 4,367 |
| Average equity | $8,648,000 | 5,025 |
| Average total loans | $44,488,670 | 4,933 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1733% | 5,693 |
| Cost of funding earning assets | 0.5408% | 1,920 |
| Net interest margin | 2.6325% | 5,888 |
| Noninterest income to average assets | 0.2060% | 5,480 |
| Noninterest expense to average assets | 2.8083% | 3,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0763% | 6,079 |
| Return on assets (ROA) | -0.0763% | 6,113 |
| Pretax return on assets | -0.0763% | 6,104 |
| Return on Equity (ROE) | -0.9142% | 6,120 |
| Retained earnings to average equity (ytd only) | -0.9142% | 5,542 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7933% | 294 |
| Assets per employee ($millions) | 4.2061% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 5,364 |
| Loan loss allowance to noncurrent loans | 25.1889% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 1.5102% | 1,731 |
| Noncurrent loans to loans | 3.6625% | 501 |
| Net loans and leases to total assets | 40.8532% | 5,557 |
| Net loans and leases to deposits | 44.8699% | 5,714 |
| Net loans and leases to core deposits | 60.7043% | 4,937 |
| Total domestic deposits to total assets | 91.0482% | 349 |
| Equity capital to assets | 8.4183% | 5,794 |
| Core capital (leverage) ratio | 8.7481% | 5,263 |
| Tier 1 risk-based capital ratio | 17.3075% | 2,377 |
| Total risk-based capital ratio | 18.0731% | 2,504 |
| Memoranda: | ||
| Average total assets | $104,831,000 | 4,480 |
| Average earning assets | $100,590,500 | 4,386 |
| Average equity | $8,750,500 | 5,049 |
| Average total loans | $44,802,000 | 4,957 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5356% | 5,239 |
| Cost of funding earning assets | 0.5889% | 1,866 |
| Net interest margin | 2.9466% | 5,557 |
| Noninterest income to average assets | 0.1760% | 5,805 |
| Noninterest expense to average assets | 2.9150% | 3,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0364% | 6,047 |
| Return on assets (ROA) | 0.0542% | 6,040 |
| Pretax return on assets | 0.0752% | 6,014 |
| Return on Equity (ROE) | 0.7117% | 6,004 |
| Retained earnings to average equity (ytd only) | 0.7117% | 5,445 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2996% | 416 |
| Assets per employee ($millions) | 4.1804% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 5,584 |
| Loan loss allowance to noncurrent loans | 264.9007% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 5,454 |
| Noncurrent loans to loans | 0.3265% | 4,667 |
| Net loans and leases to total assets | 43.8676% | 5,474 |
| Net loans and leases to deposits | 48.1080% | 5,681 |
| Net loans and leases to core deposits | 63.9860% | 4,826 |
| Total domestic deposits to total assets | 91.1855% | 309 |
| Equity capital to assets | 8.2758% | 5,907 |
| Core capital (leverage) ratio | 8.4960% | 5,565 |
| Tier 1 risk-based capital ratio | 16.7745% | 2,609 |
| Total risk-based capital ratio | 17.5201% | 2,772 |
| Memoranda: | ||
| Average total assets | $105,111,400 | 4,476 |
| Average earning assets | $99,503,600 | 4,402 |
| Average equity | $8,008,600 | 5,199 |
| Average total loans | $43,167,800 | 5,064 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5510% | 5,268 |
| Cost of funding earning assets | 0.5909% | 1,916 |
| Net interest margin | 2.9601% | 5,589 |
| Noninterest income to average assets | 0.1799% | 5,839 |
| Noninterest expense to average assets | 2.8968% | 3,133 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0197% | 6,125 |
| Return on assets (ROA) | 0.0367% | 6,130 |
| Pretax return on assets | 0.1013% | 6,056 |
| Return on Equity (ROE) | 0.4927% | 6,104 |
| Retained earnings to average equity (ytd only) | 0.4927% | 5,670 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4851% | 453 |
| Assets per employee ($millions) | 4.3403% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 5,694 |
| Loan loss allowance to noncurrent loans | 38.5728% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 0.9955% | 2,961 |
| Noncurrent loans to loans | 2.2510% | 1,340 |
| Net loans and leases to total assets | 43.8407% | 5,533 |
| Net loans and leases to deposits | 47.8986% | 5,768 |
| Net loans and leases to core deposits | 64.4910% | 4,843 |
| Total domestic deposits to total assets | 91.5281% | 229 |
| Equity capital to assets | 7.6847% | 6,250 |
| Core capital (leverage) ratio | 8.4488% | 5,709 |
| Tier 1 risk-based capital ratio | 16.5896% | 2,775 |
| Total risk-based capital ratio | 17.3293% | 2,974 |
| Memoranda: | ||
| Average total assets | $105,261,750 | 4,515 |
| Average earning assets | $99,273,500 | 4,455 |
| Average equity | $7,848,500 | 5,282 |
| Average total loans | $42,398,250 | 5,145 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4993% | 5,411 |
| Cost of funding earning assets | 0.5819% | 2,060 |
| Net interest margin | 2.9174% | 5,706 |
| Noninterest income to average assets | 0.1856% | 5,843 |
| Noninterest expense to average assets | 2.8516% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0587% | 6,117 |
| Return on assets (ROA) | 0.0587% | 6,139 |
| Pretax return on assets | 0.0871% | 6,109 |
| Return on Equity (ROE) | 0.7952% | 6,090 |
| Retained earnings to average equity (ytd only) | 0.7952% | 5,429 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0361% | 507 |
| Assets per employee ($millions) | 4.2037% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 5,419 |
| Loan loss allowance to noncurrent loans | 41.3650% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 0.9201% | 3,248 |
| Noncurrent loans to loans | 2.3767% | 1,343 |
| Net loans and leases to total assets | 38.3350% | 5,936 |
| Net loans and leases to deposits | 41.8006% | 6,074 |
| Net loans and leases to core deposits | 56.6123% | 5,368 |
| Total domestic deposits to total assets | 91.7092% | 216 |
| Equity capital to assets | 7.7846% | 6,262 |
| Core capital (leverage) ratio | 8.4337% | 5,713 |
| Tier 1 risk-based capital ratio | 17.8007% | 2,309 |
| Total risk-based capital ratio | 18.5943% | 2,439 |
| Memoranda: | ||
| Average total assets | $105,626,330 | 4,544 |
| Average earning assets | $99,676,330 | 4,478 |
| Average equity | $7,796,330 | 5,313 |
| Average total loans | $41,175,000 | 5,224 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5282% | 5,354 |
| Cost of funding earning assets | 0.5967% | 1,998 |
| Net interest margin | 2.9315% | 5,688 |
| Noninterest income to average assets | 0.1889% | 5,833 |
| Noninterest expense to average assets | 2.8141% | 3,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0831% | 6,065 |
| Return on assets (ROA) | 0.0831% | 6,090 |
| Pretax return on assets | 0.1398% | 6,024 |
| Return on Equity (ROE) | 1.1573% | 6,002 |
| Retained earnings to average equity (ytd only) | 1.1573% | 5,142 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2685% | 684 |
| Assets per employee ($millions) | 4.1797% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9899% | 5,567 |
| Loan loss allowance to noncurrent loans | 28.4900% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 1.3436% | 2,632 |
| Noncurrent loans to loans | 3.4745% | 847 |
| Net loans and leases to total assets | 38.2887% | 5,925 |
| Net loans and leases to deposits | 41.5808% | 6,099 |
| Net loans and leases to core deposits | 56.3475% | 5,332 |
| Total domestic deposits to total assets | 92.0827% | 226 |
| Equity capital to assets | 7.4225% | 6,336 |
| Core capital (leverage) ratio | 8.4688% | 5,681 |
| Tier 1 risk-based capital ratio | 17.6829% | 2,418 |
| Total risk-based capital ratio | 18.4720% | 2,548 |
| Memoranda: | ||
| Average total assets | $105,893,500 | 4,587 |
| Average earning assets | $99,880,000 | 4,513 |
| Average equity | $7,604,000 | 5,389 |
| Average total loans | $41,419,000 | 5,263 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3890% | 5,861 |
| Cost of funding earning assets | 0.6944% | 1,859 |
| Net interest margin | 2.6946% | 6,147 |
| Noninterest income to average assets | 0.1774% | 6,017 |
| Noninterest expense to average assets | 2.6819% | 4,153 |
| Loan and lease loss provision to assets | 0.0573% | 3,997 |
| Net operating income to assets | -0.0071% | 6,224 |
| Return on assets (ROA) | 0.1266% | 6,047 |
| Pretax return on assets | 0.2245% | 5,897 |
| Return on Equity (ROE) | 1.6395% | 5,949 |
| Retained earnings to average equity (ytd only) | 1.6395% | 5,051 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3508% | 573 |
| Assets per employee ($millions) | 4.2918% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 5,781 |
| Loan loss allowance to noncurrent loans | 41.0678% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 0.9078% | 3,612 |
| Noncurrent loans to loans | 2.2956% | 1,682 |
| Net loans and leases to total assets | 39.1718% | 6,019 |
| Net loans and leases to deposits | 42.2270% | 6,213 |
| Net loans and leases to core deposits | 58.0239% | 5,391 |
| Total domestic deposits to total assets | 92.7647% | 161 |
| Equity capital to assets | 6.9454% | 6,470 |
| Core capital (leverage) ratio | 8.2857% | 5,890 |
| Tier 1 risk-based capital ratio | 17.0327% | 2,594 |
| Total risk-based capital ratio | 17.7946% | 2,802 |
| Memoranda: | ||
| Average total assets | $108,244,600 | 4,543 |
| Average earning assets | $103,539,600 | 4,420 |
| Average equity | $8,356,200 | 5,255 |
| Average total loans | $39,368,600 | 5,373 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3455% | 5,981 |
| Cost of funding earning assets | 0.7167% | 1,833 |
| Net interest margin | 2.6288% | 6,281 |
| Noninterest income to average assets | 0.1794% | 6,122 |
| Noninterest expense to average assets | 2.6351% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0465% | 6,224 |
| Return on assets (ROA) | 0.1487% | 6,108 |
| Pretax return on assets | 0.2237% | 6,004 |
| Return on Equity (ROE) | 1.8798% | 5,978 |
| Retained earnings to average equity (ytd only) | 1.8798% | 5,192 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4545% | 553 |
| Assets per employee ($millions) | 4.2156% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 6,274 |
| Loan loss allowance to noncurrent loans | 34.7023% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 0.9242% | 3,822 |
| Noncurrent loans to loans | 2.3195% | 1,888 |
| Net loans and leases to total assets | 39.5227% | 6,068 |
| Net loans and leases to deposits | 43.2318% | 6,251 |
| Net loans and leases to core deposits | 59.9868% | 5,302 |
| Total domestic deposits to total assets | 91.4204% | 386 |
| Equity capital to assets | 6.7350% | 6,606 |
| Core capital (leverage) ratio | 8.2299% | 6,031 |
| Tier 1 risk-based capital ratio | 17.2737% | 2,595 |
| Total risk-based capital ratio | 17.9278% | 2,828 |
| Memoranda: | ||
| Average total assets | $108,482,250 | 4,574 |
| Average earning assets | $104,178,000 | 4,446 |
| Average equity | $8,582,250 | 5,243 |
| Average total loans | $38,603,500 | 5,455 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2616% | 6,143 |
| Cost of funding earning assets | 0.7316% | 1,827 |
| Net interest margin | 2.5300% | 6,415 |
| Noninterest income to average assets | 0.1826% | 6,115 |
| Noninterest expense to average assets | 2.5823% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0180% | 6,286 |
| Return on assets (ROA) | 0.1698% | 6,092 |
| Pretax return on assets | 0.2557% | 5,989 |
| Return on Equity (ROE) | 2.0491% | 5,942 |
| Retained earnings to average equity (ytd only) | 2.0491% | 4,976 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0196% | 521 |
| Assets per employee ($millions) | 4.1497% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 6,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 37.6289% | 6,201 |
| Net loans and leases to deposits | 41.1214% | 6,361 |
| Net loans and leases to core deposits | 55.6091% | 5,631 |
| Total domestic deposits to total assets | 91.5068% | 380 |
| Equity capital to assets | 8.2522% | 6,018 |
| Core capital (leverage) ratio | 8.1949% | 6,014 |
| Tier 1 risk-based capital ratio | 18.7805% | 2,051 |
| Total risk-based capital ratio | 19.4939% | 2,192 |
| Memoranda: | ||
| Average total assets | $109,513,000 | 4,575 |
| Average earning assets | $104,979,670 | 4,457 |
| Average equity | $9,077,000 | 5,154 |
| Average total loans | $37,474,330 | 5,521 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1797% | 6,315 |
| Cost of funding earning assets | 0.7414% | 1,912 |
| Net interest margin | 2.4382% | 6,568 |
| Noninterest income to average assets | 0.1779% | 6,200 |
| Noninterest expense to average assets | 2.5303% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0003% | 6,341 |
| Return on assets (ROA) | 0.1459% | 6,152 |
| Pretax return on assets | 0.2206% | 6,040 |
| Return on Equity (ROE) | 1.7568% | 6,012 |
| Retained earnings to average equity (ytd only) | 1.7568% | 5,110 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 542 |
| Assets per employee ($millions) | 4.3967% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 6,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 34.0627% | 6,416 |
| Net loans and leases to deposits | 37.2544% | 6,532 |
| Net loans and leases to core deposits | 49.1597% | 6,025 |
| Total domestic deposits to total assets | 91.4327% | 375 |
| Equity capital to assets | 8.2780% | 6,203 |
| Core capital (leverage) ratio | 7.9517% | 6,187 |
| Tier 1 risk-based capital ratio | 18.2392% | 2,278 |
| Total risk-based capital ratio | 18.9361% | 2,455 |
| Memoranda: | ||
| Average total assets | $112,398,500 | 4,566 |
| Average earning assets | $108,439,000 | 4,412 |
| Average equity | $9,335,000 | 5,150 |
| Average total loans | $36,524,000 | 5,591 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2808% | 6,603 |
| Cost of funding earning assets | 0.9115% | 1,875 |
| Net interest margin | 2.3693% | 6,800 |
| Noninterest income to average assets | 0.1850% | 6,076 |
| Noninterest expense to average assets | 2.5308% | 4,989 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0352% | 6,219 |
| Return on assets (ROA) | 0.2265% | 5,907 |
| Pretax return on assets | 0.3570% | 5,694 |
| Return on Equity (ROE) | 2.7496% | 5,654 |
| Retained earnings to average equity (ytd only) | 2.7496% | 4,305 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0921% | 489 |
| Assets per employee ($millions) | 4.5952% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 6,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 30.4068% | 6,688 |
| Net loans and leases to deposits | 33.3486% | 6,748 |
| Net loans and leases to core deposits | 42.4781% | 6,528 |
| Total domestic deposits to total assets | 91.1785% | 438 |
| Equity capital to assets | 8.3314% | 6,175 |
| Core capital (leverage) ratio | 7.7784% | 6,354 |
| Tier 1 risk-based capital ratio | 18.3020% | 2,170 |
| Total risk-based capital ratio | 19.0047% | 2,319 |
| Memoranda: | ||
| Average total assets | $115,693,600 | 4,447 |
| Average earning assets | $112,015,000 | 4,292 |
| Average equity | $9,528,800 | 5,099 |
| Average total loans | $35,737,400 | 5,688 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3482% | 6,683 |
| Cost of funding earning assets | 0.9553% | 1,824 |
| Net interest margin | 2.3930% | 6,898 |
| Noninterest income to average assets | 0.1898% | 6,160 |
| Noninterest expense to average assets | 2.5459% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0365% | 6,329 |
| Return on assets (ROA) | 0.1093% | 6,251 |
| Pretax return on assets | 0.1829% | 6,153 |
| Return on Equity (ROE) | 1.3307% | 6,186 |
| Retained earnings to average equity (ytd only) | 1.3307% | 5,641 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7939% | 489 |
| Assets per employee ($millions) | 4.5600% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 6,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 29.4410% | 6,832 |
| Net loans and leases to deposits | 32.5198% | 6,900 |
| Net loans and leases to core deposits | 41.0607% | 6,700 |
| Total domestic deposits to total assets | 90.5325% | 586 |
| Equity capital to assets | 8.5727% | 6,195 |
| Core capital (leverage) ratio | 7.5050% | 6,619 |
| Tier 1 risk-based capital ratio | 18.5491% | 2,144 |
| Total risk-based capital ratio | 19.2750% | 2,311 |
| Memoranda: | ||
| Average total assets | $115,897,250 | 4,486 |
| Average earning assets | $111,936,750 | 4,341 |
| Average equity | $9,518,250 | 5,146 |
| Average total loans | $35,854,500 | 5,759 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3878% | 6,736 |
| Cost of funding earning assets | 0.9918% | 1,817 |
| Net interest margin | 2.3960% | 6,961 |
| Noninterest income to average assets | 0.1991% | 6,127 |
| Noninterest expense to average assets | 2.5418% | 4,990 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0197% | 6,347 |
| Return on assets (ROA) | 0.0309% | 6,422 |
| Pretax return on assets | 0.0463% | 6,395 |
| Return on Equity (ROE) | 0.3816% | 6,408 |
| Retained earnings to average equity (ytd only) | 0.3816% | 5,916 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1612% | 521 |
| Assets per employee ($millions) | 4.6648% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 6,380 |
| Loan loss allowance to noncurrent loans | 149.5575% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 6,302 |
| Noncurrent loans to loans | 0.6228% | 5,265 |
| Net loans and leases to total assets | 30.8272% | 6,850 |
| Net loans and leases to deposits | 33.8401% | 6,924 |
| Net loans and leases to core deposits | 42.0170% | 6,733 |
| Total domestic deposits to total assets | 91.0968% | 417 |
| Equity capital to assets | 8.1846% | 6,468 |
| Core capital (leverage) ratio | 7.3681% | 6,680 |
| Tier 1 risk-based capital ratio | 16.9223% | 2,705 |
| Total risk-based capital ratio | 17.5905% | 2,963 |
| Memoranda: | ||
| Average total assets | $116,529,330 | 4,492 |
| Average earning assets | $112,522,330 | 4,349 |
| Average equity | $9,433,330 | 5,174 |
| Average total loans | $36,505,670 | 5,760 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4301% | 6,776 |
| Cost of funding earning assets | 1.0177% | 1,878 |
| Net interest margin | 2.4125% | 7,005 |
| Noninterest income to average assets | 0.2129% | 6,098 |
| Noninterest expense to average assets | 2.5137% | 5,102 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0069% | 6,402 |
| Return on assets (ROA) | 0.0069% | 6,512 |
| Pretax return on assets | 0.0275% | 6,491 |
| Return on Equity (ROE) | 0.0853% | 6,508 |
| Retained earnings to average equity (ytd only) | 0.0853% | 5,948 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9189% | 593 |
| Assets per employee ($millions) | 4.6813% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 6,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 29.4310% | 6,930 |
| Net loans and leases to deposits | 32.2663% | 7,005 |
| Net loans and leases to core deposits | 40.5333% | 6,800 |
| Total domestic deposits to total assets | 91.2127% | 472 |
| Equity capital to assets | 8.0020% | 6,524 |
| Core capital (leverage) ratio | 7.4749% | 6,649 |
| Tier 1 risk-based capital ratio | 17.3303% | 2,537 |
| Total risk-based capital ratio | 18.0159% | 2,734 |
| Memoranda: | ||
| Average total assets | $116,483,500 | 4,529 |
| Average earning assets | $112,415,500 | 4,369 |
| Average equity | $9,377,500 | 5,196 |
| Average total loans | $36,614,000 | 5,796 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8989% | 6,615 |
| Cost of funding earning assets | 1.0508% | 3,009 |
| Net interest margin | 2.8481% | 6,764 |
| Noninterest income to average assets | 0.2465% | 5,766 |
| Noninterest expense to average assets | 2.8072% | 4,322 |
| Loan and lease loss provision to assets | 0.0058% | 6,447 |
| Net operating income to assets | 0.0937% | 5,878 |
| Return on assets (ROA) | 0.1286% | 5,925 |
| Pretax return on assets | 0.2426% | 5,683 |
| Return on Equity (ROE) | 1.4503% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.4503% | 5,170 |
| Net charge-offs to loans | -0.0079% | 6,867 |
| Credit loss provision to net charge-offs | -200.0000% | 6,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5390% | 953 |
| Assets per employee ($millions) | 4.6374% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 6,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 32.8704% | 6,920 |
| Net loans and leases to deposits | 36.0929% | 6,998 |
| Net loans and leases to core deposits | 43.9579% | 6,816 |
| Total domestic deposits to total assets | 91.0716% | 482 |
| Equity capital to assets | 8.0994% | 6,512 |
| Core capital (leverage) ratio | 7.6319% | 6,577 |
| Tier 1 risk-based capital ratio | 16.1548% | 2,975 |
| Total risk-based capital ratio | 16.7940% | 3,251 |
| Memoranda: | ||
| Average total assets | $102,629,200 | 4,829 |
| Average earning assets | $99,258,800 | 4,655 |
| Average equity | $9,101,400 | 5,253 |
| Average total loans | $37,820,400 | 5,791 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 6,542 |
| Cost of funding earning assets | 1.0363% | 3,420 |
| Net interest margin | 2.9937% | 6,594 |
| Noninterest income to average assets | 0.2591% | 5,769 |
| Noninterest expense to average assets | 2.8961% | 3,947 |
| Loan and lease loss provision to assets | 0.0081% | 6,329 |
| Net operating income to assets | 0.1678% | 5,780 |
| Return on assets (ROA) | 0.1678% | 5,910 |
| Pretax return on assets | 0.2524% | 5,805 |
| Return on Equity (ROE) | 1.8458% | 5,828 |
| Retained earnings to average equity (ytd only) | 1.8458% | 5,215 |
| Net charge-offs to loans | -0.0248% | 6,945 |
| Credit loss provision to net charge-offs | -85.7143% | 6,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7482% | 1,047 |
| Assets per employee ($millions) | 4.4154% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 6,581 |
| Loan loss allowance to noncurrent loans | 181.9149% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 6,628 |
| Noncurrent loans to loans | 0.4977% | 5,848 |
| Net loans and leases to total assets | 33.9107% | 6,957 |
| Net loans and leases to deposits | 37.4897% | 7,050 |
| Net loans and leases to core deposits | 45.5854% | 6,864 |
| Total domestic deposits to total assets | 90.4533% | 658 |
| Equity capital to assets | 8.7132% | 6,071 |
| Core capital (leverage) ratio | 7.9601% | 6,433 |
| Tier 1 risk-based capital ratio | 16.7281% | 2,753 |
| Total risk-based capital ratio | 17.3984% | 3,006 |
| Memoranda: | ||
| Average total assets | $99,303,000 | 4,945 |
| Average earning assets | $96,110,000 | 4,773 |
| Average equity | $9,029,250 | 5,299 |
| Average total loans | $37,664,000 | 5,856 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 6,347 |
| Cost of funding earning assets | 1.0357% | 3,697 |
| Net interest margin | 3.1329% | 6,328 |
| Noninterest income to average assets | 0.2740% | 5,686 |
| Noninterest expense to average assets | 2.9997% | 3,642 |
| Loan and lease loss provision to assets | 0.0126% | 6,119 |
| Net operating income to assets | 0.1820% | 5,801 |
| Return on assets (ROA) | 0.1820% | 5,901 |
| Pretax return on assets | 0.2929% | 5,684 |
| Return on Equity (ROE) | 1.9699% | 5,795 |
| Retained earnings to average equity (ytd only) | 1.9699% | 4,993 |
| Net charge-offs to loans | -0.0372% | 6,977 |
| Credit loss provision to net charge-offs | -85.7143% | 6,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7595% | 1,192 |
| Assets per employee ($millions) | 4.0181% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 6,592 |
| Loan loss allowance to noncurrent loans | 181.9149% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 6,632 |
| Noncurrent loans to loans | 0.5075% | 5,885 |
| Net loans and leases to total assets | 36.5375% | 6,932 |
| Net loans and leases to deposits | 42.5350% | 6,969 |
| Net loans and leases to core deposits | 52.8070% | 6,622 |
| Total domestic deposits to total assets | 85.8999% | 3,377 |
| Equity capital to assets | 9.1505% | 5,360 |
| Core capital (leverage) ratio | 8.6188% | 5,364 |
| Tier 1 risk-based capital ratio | 17.6539% | 2,286 |
| Total risk-based capital ratio | 18.3645% | 2,449 |
| Memoranda: | ||
| Average total assets | $95,609,330 | 5,085 |
| Average earning assets | $92,501,670 | 4,922 |
| Average equity | $8,833,000 | 5,367 |
| Average total loans | $37,627,330 | 5,908 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 6,302 |
| Cost of funding earning assets | 1.0675% | 3,736 |
| Net interest margin | 3.1227% | 6,285 |
| Noninterest income to average assets | 0.2962% | 5,548 |
| Noninterest expense to average assets | 3.0390% | 3,489 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1416% | 5,968 |
| Return on assets (ROA) | 0.1416% | 6,024 |
| Pretax return on assets | 0.2833% | 5,707 |
| Return on Equity (ROE) | 1.5254% | 5,973 |
| Retained earnings to average equity (ytd only) | 1.5254% | 5,198 |
| Net charge-offs to loans | -0.0738% | 7,000 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4729% | 1,203 |
| Assets per employee ($millions) | 3.7089% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 6,755 |
| Loan loss allowance to noncurrent loans | 31.6682% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 1.1443% | 4,648 |
| Noncurrent loans to loans | 2.7673% | 2,736 |
| Net loans and leases to total assets | 40.9866% | 6,703 |
| Net loans and leases to deposits | 47.9812% | 6,758 |
| Net loans and leases to core deposits | 63.3653% | 5,796 |
| Total domestic deposits to total assets | 85.4222% | 3,826 |
| Equity capital to assets | 9.5963% | 4,316 |
| Core capital (leverage) ratio | 9.1557% | 4,366 |
| Tier 1 risk-based capital ratio | 17.5709% | 2,263 |
| Total risk-based capital ratio | 18.2702% | 2,442 |
| Memoranda: | ||
| Average total assets | $93,187,500 | 5,200 |
| Average earning assets | $90,305,500 | 5,028 |
| Average equity | $8,653,500 | 5,421 |
| Average total loans | $37,918,500 | 5,946 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5079% | 6,385 |
| Cost of funding earning assets | 1.2594% | 4,152 |
| Net interest margin | 3.2485% | 6,140 |
| Noninterest income to average assets | 0.2767% | 5,798 |
| Noninterest expense to average assets | 3.2828% | 2,786 |
| Loan and lease loss provision to assets | 0.1395% | 5,793 |
| Net operating income to assets | -0.0610% | 5,941 |
| Return on assets (ROA) | 0.0703% | 5,794 |
| Pretax return on assets | 0.1856% | 5,517 |
| Return on Equity (ROE) | 0.6787% | 5,789 |
| Retained earnings to average equity (ytd only) | 0.6787% | 5,231 |
| Net charge-offs to loans | 0.0202% | 6,613 |
| Credit loss provision to net charge-offs | 1,728.5714% | 134 |
| Earnings coverage of net charge-offs (x) | 14.8571% | 1,310 |
| Efficiency ratio | 96.4758% | 947 |
| Assets per employee ($millions) | 3.7461% | 4,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 6,779 |
| Loan loss allowance to noncurrent loans | 94.0000% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 6,334 |
| Noncurrent loans to loans | 0.9334% | 5,184 |
| Net loans and leases to total assets | 39.6874% | 6,981 |
| Net loans and leases to deposits | 45.9551% | 7,048 |
| Net loans and leases to core deposits | 66.7157% | 5,808 |
| Total domestic deposits to total assets | 86.3612% | 3,157 |
| Equity capital to assets | 8.9790% | 5,171 |
| Core capital (leverage) ratio | 9.1165% | 4,324 |
| Tier 1 risk-based capital ratio | 17.6197% | 2,120 |
| Total risk-based capital ratio | 18.3091% | 2,291 |
| Memoranda: | ||
| Average total assets | $86,724,200 | 5,388 |
| Average earning assets | $83,454,000 | 5,233 |
| Average equity | $8,987,400 | 5,435 |
| Average total loans | $34,570,800 | 6,178 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 6,392 |
| Cost of funding earning assets | 1.2827% | 4,347 |
| Net interest margin | 3.2959% | 6,031 |
| Noninterest income to average assets | 0.2777% | 5,885 |
| Noninterest expense to average assets | 3.3649% | 2,385 |
| Loan and lease loss provision to assets | 0.1804% | 5,244 |
| Net operating income to assets | -0.1348% | 6,225 |
| Return on assets (ROA) | 0.0439% | 6,028 |
| Pretax return on assets | 0.1757% | 5,777 |
| Return on Equity (ROE) | 0.4088% | 6,028 |
| Retained earnings to average equity (ytd only) | 0.4088% | 5,631 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7666% | 826 |
| Assets per employee ($millions) | 3.4754% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 6,704 |
| Loan loss allowance to noncurrent loans | 38.5514% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 5,201 |
| Noncurrent loans to loans | 2.3659% | 3,275 |
| Net loans and leases to total assets | 39.6757% | 7,092 |
| Net loans and leases to deposits | 47.1637% | 7,120 |
| Net loans and leases to core deposits | 73.8191% | 5,315 |
| Total domestic deposits to total assets | 84.1235% | 4,046 |
| Equity capital to assets | 10.1450% | 3,955 |
| Core capital (leverage) ratio | 9.7831% | 3,511 |
| Tier 1 risk-based capital ratio | 18.7112% | 1,820 |
| Total risk-based capital ratio | 19.4483% | 1,925 |
| Memoranda: | ||
| Average total assets | $84,992,250 | 5,502 |
| Average earning assets | $81,593,500 | 5,356 |
| Average equity | $9,132,000 | 5,459 |
| Average total loans | $33,839,250 | 6,297 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6374% | 6,346 |
| Cost of funding earning assets | 1.2891% | 4,602 |
| Net interest margin | 3.3482% | 5,842 |
| Noninterest income to average assets | 0.2812% | 5,896 |
| Noninterest expense to average assets | 3.4326% | 2,188 |
| Loan and lease loss provision to assets | 0.0240% | 6,698 |
| Net operating income to assets | 0.0288% | 6,041 |
| Return on assets (ROA) | 0.0288% | 6,135 |
| Pretax return on assets | 0.0337% | 6,095 |
| Return on Equity (ROE) | 0.2631% | 6,139 |
| Retained earnings to average equity (ytd only) | 0.2631% | 5,651 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3471% | 868 |
| Assets per employee ($millions) | 3.3523% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6468% | 7,344 |
| Loan loss allowance to noncurrent loans | 121.6216% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.2123% | 6,871 |
| Noncurrent loans to loans | 0.5318% | 6,190 |
| Net loans and leases to total assets | 39.6547% | 7,188 |
| Net loans and leases to deposits | 47.5531% | 7,184 |
| Net loans and leases to core deposits | 73.5806% | 5,490 |
| Total domestic deposits to total assets | 83.3903% | 4,396 |
| Equity capital to assets | 10.6322% | 3,241 |
| Core capital (leverage) ratio | 9.7644% | 3,454 |
| Tier 1 risk-based capital ratio | 19.3175% | 1,646 |
| Total risk-based capital ratio | 19.8373% | 1,781 |
| Memoranda: | ||
| Average total assets | $83,203,000 | 5,590 |
| Average earning assets | $79,743,330 | 5,453 |
| Average equity | $9,120,330 | 5,469 |
| Average total loans | $33,058,670 | 6,382 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 6,303 |
| Cost of funding earning assets | 1.2793% | 4,933 |
| Net interest margin | 3.4045% | 5,565 |
| Noninterest income to average assets | 0.3053% | 5,696 |
| Noninterest expense to average assets | 3.5162% | 1,938 |
| Loan and lease loss provision to assets | 0.0197% | 6,444 |
| Net operating income to assets | 0.0197% | 6,236 |
| Return on assets (ROA) | 0.0197% | 6,351 |
| Pretax return on assets | 0.0197% | 6,314 |
| Return on Equity (ROE) | 0.1769% | 6,353 |
| Retained earnings to average equity (ytd only) | 0.1769% | 5,747 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8920% | 886 |
| Assets per employee ($millions) | 3.1856% | 5,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6742% | 7,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 6,042 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 38.9515% | 7,307 |
| Net loans and leases to deposits | 46.8489% | 7,289 |
| Net loans and leases to core deposits | 74.7273% | 5,422 |
| Total domestic deposits to total assets | 83.1430% | 4,549 |
| Equity capital to assets | 10.9760% | 2,788 |
| Core capital (leverage) ratio | 10.3767% | 2,741 |
| Tier 1 risk-based capital ratio | 19.9118% | 1,544 |
| Total risk-based capital ratio | 20.4338% | 1,650 |
| Memoranda: | ||
| Average total assets | $81,224,500 | 5,731 |
| Average earning assets | $77,543,500 | 5,585 |
| Average equity | $9,047,000 | 5,532 |
| Average total loans | $32,194,000 | 6,508 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7488% | 7,058 |
| Cost of funding earning assets | 1.4072% | 5,904 |
| Net interest margin | 3.3416% | 5,577 |
| Noninterest income to average assets | 0.3065% | 5,895 |
| Noninterest expense to average assets | 3.6304% | 2,076 |
| Loan and lease loss provision to assets | 0.0253% | 7,258 |
| Net operating income to assets | -0.1022% | 5,686 |
| Return on assets (ROA) | 0.0027% | 5,531 |
| Pretax return on assets | 0.0080% | 5,425 |
| Return on Equity (ROE) | 0.0226% | 5,535 |
| Retained earnings to average equity (ytd only) | 0.0226% | 4,900 |
| Net charge-offs to loans | 0.0519% | 6,577 |
| Credit loss provision to net charge-offs | 118.7500% | 4,528 |
| Earnings coverage of net charge-offs (x) | -6.1250% | 7,125 |
| Efficiency ratio | 103.7319% | 961 |
| Assets per employee ($millions) | 3.0624% | 6,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6738% | 7,426 |
| Loan loss allowance to noncurrent loans | 231.1828% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 5,662 |
| Noncurrent loans to loans | 0.2915% | 6,697 |
| Net loans and leases to total assets | 39.8026% | 7,360 |
| Net loans and leases to deposits | 48.0633% | 7,355 |
| Net loans and leases to core deposits | 95.4808% | 4,517 |
| Total domestic deposits to total assets | 82.8128% | 4,604 |
| Equity capital to assets | 11.3070% | 2,460 |
| Core capital (leverage) ratio | 10.7814% | 2,359 |
| Tier 1 risk-based capital ratio | 20.8741% | 1,317 |
| Total risk-based capital ratio | 21.4116% | 1,395 |
| Memoranda: | ||
| Average total assets | $75,032,800 | 5,870 |
| Average earning assets | $71,702,400 | 5,759 |
| Average equity | $8,834,600 | 5,656 |
| Average total loans | $30,844,800 | 6,584 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7935% | 7,132 |
| Cost of funding earning assets | 1.4456% | 6,056 |
| Net interest margin | 3.3479% | 5,450 |
| Noninterest income to average assets | 0.3158% | 5,954 |
| Noninterest expense to average assets | 3.6145% | 2,003 |
| Loan and lease loss provision to assets | 0.0217% | 7,139 |
| Net operating income to assets | -0.0941% | 5,882 |
| Return on assets (ROA) | 0.0812% | 5,571 |
| Pretax return on assets | 0.1029% | 5,518 |
| Return on Equity (ROE) | 0.6824% | 5,582 |
| Retained earnings to average equity (ytd only) | 0.6824% | 4,906 |
| Net charge-offs to loans | -0.0043% | 7,621 |
| Credit loss provision to net charge-offs | -1,200.0000% | 7,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7707% | 955 |
| Assets per employee ($millions) | 3.0259% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6448% | 7,498 |
| 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 | 45.8300% | 7,122 |
| Net loans and leases to deposits | 55.9782% | 7,092 |
| Net loans and leases to core deposits | 112.6824% | 2,960 |
| Total domestic deposits to total assets | 81.8711% | 4,728 |
| Equity capital to assets | 11.8167% | 2,342 |
| Core capital (leverage) ratio | 11.7988% | 1,905 |
| Tier 1 risk-based capital ratio | 20.5138% | 1,450 |
| Total risk-based capital ratio | 21.0638% | 1,555 |
| Memoranda: | ||
| Average total assets | $73,885,250 | 5,933 |
| Average earning assets | $70,650,000 | 5,825 |
| Average equity | $8,792,500 | 5,722 |
| Average total loans | $30,579,250 | 6,648 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8950% | 7,039 |
| Cost of funding earning assets | 1.5048% | 6,118 |
| Net interest margin | 3.3901% | 5,211 |
| Noninterest income to average assets | 0.3165% | 5,976 |
| Noninterest expense to average assets | 3.6454% | 1,959 |
| Loan and lease loss provision to assets | 0.0218% | 7,011 |
| Net operating income to assets | -0.0997% | 6,008 |
| Return on assets (ROA) | 0.1855% | 5,398 |
| Pretax return on assets | 0.2183% | 5,420 |
| Return on Equity (ROE) | 1.5554% | 5,443 |
| Retained earnings to average equity (ytd only) | 1.5554% | 4,462 |
| Net charge-offs to loans | -0.0069% | 7,566 |
| Credit loss provision to net charge-offs | -800.0000% | 7,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6902% | 1,069 |
| Assets per employee ($millions) | 2.9754% | 6,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7247% | 7,366 |
| Loan loss allowance to noncurrent loans | 127.0115% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 6,873 |
| Noncurrent loans to loans | 0.5706% | 6,124 |
| Net loans and leases to total assets | 42.3960% | 7,427 |
| Net loans and leases to deposits | 49.0204% | 7,522 |
| Net loans and leases to core deposits | 98.3242% | 4,668 |
| Total domestic deposits to total assets | 86.4865% | 2,515 |
| Equity capital to assets | 12.4296% | 1,959 |
| Core capital (leverage) ratio | 11.8578% | 1,902 |
| Tier 1 risk-based capital ratio | 22.6960% | 1,171 |
| Total risk-based capital ratio | 23.2921% | 1,219 |
| Memoranda: | ||
| Average total assets | $73,298,000 | 5,992 |
| Average earning assets | $69,908,670 | 5,888 |
| Average equity | $8,743,670 | 5,763 |
| Average total loans | $29,141,000 | 6,780 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 7,114 |
| Cost of funding earning assets | 1.5513% | 6,227 |
| Net interest margin | 3.3734% | 5,241 |
| Noninterest income to average assets | 0.3394% | 5,740 |
| Noninterest expense to average assets | 3.4697% | 2,172 |
| Loan and lease loss provision to assets | 0.0216% | 6,628 |
| Net operating income to assets | 0.0323% | 6,179 |
| Return on assets (ROA) | 0.0323% | 6,333 |
| Pretax return on assets | 0.0700% | 6,232 |
| Return on Equity (ROE) | 0.2766% | 6,344 |
| Retained earnings to average equity (ytd only) | 0.2766% | 5,545 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4281% | 1,243 |
| Assets per employee ($millions) | 2.9997% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7464% | 7,319 |
| 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 | 39.8961% | 7,573 |
| Net loans and leases to deposits | 47.1974% | 7,615 |
| Net loans and leases to core deposits | 94.9299% | 5,068 |
| Total domestic deposits to total assets | 84.5302% | 3,449 |
| Equity capital to assets | 12.2625% | 2,102 |
| Core capital (leverage) ratio | 11.5558% | 2,113 |
| Tier 1 risk-based capital ratio | 23.2389% | 1,164 |
| Total risk-based capital ratio | 23.8399% | 1,205 |
| Memoranda: | ||
| Average total assets | $74,242,000 | 5,998 |
| Average earning assets | $70,907,500 | 5,882 |
| Average equity | $8,677,500 | 5,819 |
| Average total loans | $28,463,500 | 6,851 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 7,756 |
| Cost of funding earning assets | 2.1929% | 5,631 |
| Net interest margin | 2.9239% | 7,097 |
| Noninterest income to average assets | 0.3092% | 6,240 |
| Noninterest expense to average assets | 3.1103% | 3,657 |
| Loan and lease loss provision to assets | 0.0087% | 7,263 |
| Net operating income to assets | -0.0068% | 6,379 |
| Return on assets (ROA) | 0.1296% | 5,868 |
| Pretax return on assets | 0.1459% | 5,850 |
| Return on Equity (ROE) | 1.2706% | 5,840 |
| Retained earnings to average equity (ytd only) | 1.2706% | 4,458 |
| Net charge-offs to loans | 0.0040% | 6,941 |
| Credit loss provision to net charge-offs | 700.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 5,624 |
| Efficiency ratio | 99.9599% | 984 |
| Assets per employee ($millions) | 3.1872% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7574% | 7,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 36.3136% | 7,822 |
| Net loans and leases to deposits | 41.1749% | 7,921 |
| Net loans and leases to core deposits | 78.9030% | 6,694 |
| Total domestic deposits to total assets | 88.1935% | 1,389 |
| Equity capital to assets | 11.1476% | 2,926 |
| Core capital (leverage) ratio | 11.0904% | 2,518 |
| Tier 1 risk-based capital ratio | 22.7117% | 1,227 |
| Total risk-based capital ratio | 23.2885% | 1,281 |
| Memoranda: | ||
| Average total assets | $80,217,400 | 5,698 |
| Average earning assets | $76,883,200 | 5,552 |
| Average equity | $8,185,000 | 6,008 |
| Average total loans | $25,132,600 | 7,018 |