Home > The Claxton Bank > Performance and Condition Ratios
The Claxton 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 | 5.6941% | 935 |
| Cost of funding earning assets | 1.1078% | 3,049 |
| Net interest margin | 4.5863% | 539 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 4.4983% | 284 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.1804% | 4,189 |
| Return on assets (ROA) | 0.1104% | 4,270 |
| Pretax return on assets | 0.1104% | 4,271 |
| Return on Equity (ROE) | 1.4200% | 4,220 |
| Retained earnings to average equity (ytd only) | -2.9431% | 4,326 |
| Net charge-offs to loans | 0.0310% | 1,678 |
| Credit loss provision to net charge-offs | 596.7742% | 594 |
| Earnings coverage of net charge-offs (x) | 15.1935% | 2,052 |
| Efficiency ratio | 93.8059% | 303 |
| Assets per employee ($millions) | 4.8126% | 3,767 |
| Cash dividends to net income (ytd only)* | 307.4286% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8339% | 505 |
| Loan loss allowance to noncurrent loans | 899.5215% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 2,682 |
| Noncurrent loans to loans | 0.2039% | 2,494 |
| Net loans and leases to total assets | 61.5000% | 2,714 |
| Net loans and leases to deposits | 67.9127% | 3,040 |
| Net loans and leases to core deposits | 79.6062% | 2,726 |
| Total domestic deposits to total assets | 90.5600% | 614 |
| Equity capital to assets | 8.6843% | 2,910 |
| Core capital (leverage) ratio | 10.2870% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3390% | 1,430 |
| Memoranda: | ||
| Average total assets | $158,571,400 | 3,286 |
| Average earning assets | $145,869,400 | 3,286 |
| Average equity | $12,333,800 | 3,498 |
| Average total loans | $99,881,000 | 3,177 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6242% | 883 |
| Cost of funding earning assets | 0.9740% | 3,109 |
| Net interest margin | 4.6501% | 492 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 3.8641% | 390 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.8900% | 2,722 |
| Return on assets (ROA) | 0.7959% | 3,031 |
| Pretax return on assets | 0.7959% | 3,340 |
| Return on Equity (ROE) | 10.5500% | 2,491 |
| Retained earnings to average equity (ytd only) | 4.5062% | 3,100 |
| Net charge-offs to loans | 0.0336% | 1,414 |
| Credit loss provision to net charge-offs | 540.0000% | 600 |
| Earnings coverage of net charge-offs (x) | 47.4000% | 1,342 |
| Efficiency ratio | 79.3698% | 899 |
| Assets per employee ($millions) | 4.6611% | 3,841 |
| Cash dividends to net income (ytd only)* | 57.2950% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8129% | 555 |
| Loan loss allowance to noncurrent loans | 1,349.2647% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 3,019 |
| Noncurrent loans to loans | 0.1344% | 2,884 |
| Net loans and leases to total assets | 62.7100% | 2,590 |
| Net loans and leases to deposits | 69.0174% | 2,913 |
| Net loans and leases to core deposits | 77.3526% | 2,776 |
| Total domestic deposits to total assets | 90.8600% | 707 |
| Equity capital to assets | 7.3392% | 3,444 |
| Core capital (leverage) ratio | 9.7331% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9969% | 1,568 |
| Memoranda: | ||
| Average total assets | $157,307,250 | 3,308 |
| Average earning assets | $144,823,750 | 3,306 |
| Average equity | $11,864,750 | 3,532 |
| Average total loans | $99,223,500 | 3,187 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5034% | 827 |
| Cost of funding earning assets | 0.7180% | 3,433 |
| Net interest margin | 4.7855% | 412 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 3.8734% | 378 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.0298% | 2,320 |
| Return on assets (ROA) | 0.8884% | 2,786 |
| Pretax return on assets | 0.8884% | 3,198 |
| Return on Equity (ROE) | 11.6700% | 2,254 |
| Retained earnings to average equity (ytd only) | 2.6627% | 3,562 |
| Net charge-offs to loans | 0.0487% | 1,026 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 37.4167% | 1,438 |
| Efficiency ratio | 77.1908% | 1,073 |
| Assets per employee ($millions) | 4.7528% | 3,789 |
| Cash dividends to net income (ytd only)* | 77.1879% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 639 |
| Loan loss allowance to noncurrent loans | 1,270.9220% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.0873% | 2,921 |
| Noncurrent loans to loans | 0.1403% | 2,769 |
| Net loans and leases to total assets | 61.0700% | 2,665 |
| Net loans and leases to deposits | 71.0222% | 2,713 |
| Net loans and leases to core deposits | 75.2293% | 2,812 |
| Total domestic deposits to total assets | 85.9800% | 2,233 |
| Equity capital to assets | 7.4805% | 3,534 |
| Core capital (leverage) ratio | 9.5152% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2436% | 1,802 |
| Memoranda: | ||
| Average total assets | $156,917,333 | 3,328 |
| Average earning assets | $144,855,000 | 3,316 |
| Average equity | $11,942,667 | 3,544 |
| Average total loans | $98,558,000 | 3,189 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5449% | 577 |
| Cost of funding earning assets | 0.5429% | 3,555 |
| Net interest margin | 5.0020% | 302 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 3.8608% | 393 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.2550% | 1,784 |
| Return on assets (ROA) | 1.2550% | 1,758 |
| Pretax return on assets | 1.2550% | 2,287 |
| Return on Equity (ROE) | 16.3400% | 1,291 |
| Retained earnings to average equity (ytd only) | -1.7860% | 4,198 |
| Net charge-offs to loans | 0.1066% | 573 |
| Credit loss provision to net charge-offs | 173.0769% | 888 |
| Earnings coverage of net charge-offs (x) | 20.3846% | 1,447 |
| Efficiency ratio | 73.7883% | 1,365 |
| Assets per employee ($millions) | 4.6145% | 3,951 |
| Cash dividends to net income (ytd only)* | 110.9278% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 717 |
| Loan loss allowance to noncurrent loans | 938.1720% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 2,716 |
| Noncurrent loans to loans | 0.1872% | 2,541 |
| Net loans and leases to total assets | 60.4300% | 2,606 |
| Net loans and leases to deposits | 67.8360% | 2,784 |
| Net loans and leases to core deposits | 72.7265% | 2,762 |
| Total domestic deposits to total assets | 89.0800% | 1,517 |
| Equity capital to assets | 7.4226% | 3,605 |
| Core capital (leverage) ratio | 9.7270% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8617% | 1,665 |
| Memoranda: | ||
| Average total assets | $154,579,000 | 3,386 |
| Average earning assets | $141,463,000 | 3,396 |
| Average equity | $11,870,000 | 3,581 |
| Average total loans | $97,601,500 | 3,237 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 641 |
| Cost of funding earning assets | 0.2027% | 3,735 |
| Net interest margin | 4.3626% | 374 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 3.3614% | 574 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.1236% | 2,077 |
| Return on assets (ROA) | 1.1236% | 2,021 |
| Pretax return on assets | 1.1236% | 2,698 |
| Return on Equity (ROE) | 13.6300% | 1,621 |
| Retained earnings to average equity (ytd only) | 5.4814% | 2,840 |
| Net charge-offs to loans | 0.0079% | 2,100 |
| Credit loss provision to net charge-offs | 1,714.2857% | 287 |
| Earnings coverage of net charge-offs (x) | 256.1429% | 541 |
| Efficiency ratio | 73.6246% | 1,255 |
| Assets per employee ($millions) | 4.4743% | 4,054 |
| Cash dividends to net income (ytd only)* | 59.7729% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8006% | 661 |
| Loan loss allowance to noncurrent loans | 1,206.9930% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 2,865 |
| Noncurrent loans to loans | 0.1492% | 2,757 |
| Net loans and leases to total assets | 63.7500% | 2,268 |
| Net loans and leases to deposits | 69.4760% | 2,626 |
| Net loans and leases to core deposits | 74.0831% | 2,557 |
| Total domestic deposits to total assets | 91.7600% | 699 |
| Equity capital to assets | 7.9593% | 3,082 |
| Core capital (leverage) ratio | 10.3520% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0518% | 1,618 |
| Memoranda: | ||
| Average total assets | $148,897,200 | 3,452 |
| Average earning assets | $135,171,600 | 3,467 |
| Average equity | $12,277,800 | 3,648 |
| Average total loans | $88,995,600 | 3,303 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 585 |
| Cost of funding earning assets | 0.1578% | 3,752 |
| Net interest margin | 4.2417% | 384 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 3.3554% | 551 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0446% | 2,303 |
| Return on assets (ROA) | 1.0446% | 2,268 |
| Pretax return on assets | 1.0446% | 2,887 |
| Return on Equity (ROE) | 12.5600% | 1,852 |
| Retained earnings to average equity (ytd only) | 1.8158% | 4,067 |
| Net charge-offs to loans | 0.0046% | 2,022 |
| Credit loss provision to net charge-offs | 2,166.6667% | 239 |
| Earnings coverage of net charge-offs (x) | 411.3333% | 372 |
| Efficiency ratio | 75.2656% | 1,143 |
| Assets per employee ($millions) | 4.6165% | 3,966 |
| Cash dividends to net income (ytd only)* | 85.5432% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7953% | 736 |
| Loan loss allowance to noncurrent loans | 2,359.1549% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 3,419 |
| Noncurrent loans to loans | 0.0761% | 3,329 |
| Net loans and leases to total assets | 62.0200% | 2,289 |
| Net loans and leases to deposits | 67.4643% | 2,581 |
| Net loans and leases to core deposits | 72.2608% | 2,467 |
| Total domestic deposits to total assets | 91.9400% | 899 |
| Equity capital to assets | 7.4515% | 3,249 |
| Core capital (leverage) ratio | 10.0153% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1081% | 1,670 |
| Memoranda: | ||
| Average total assets | $149,208,750 | 3,478 |
| Average earning assets | $135,195,500 | 3,494 |
| Average equity | $12,409,250 | 3,664 |
| Average total loans | $87,279,750 | 3,330 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 679 |
| Cost of funding earning assets | 0.1197% | 3,963 |
| Net interest margin | 4.0497% | 447 |
| Noninterest income to average assets | 0.6172% | 1,668 |
| Noninterest expense to average assets | 3.2638% | 576 |
| Loan and lease loss provision to assets | 0.0468% | 1,730 |
| Net operating income to assets | 0.9686% | 2,273 |
| Return on assets (ROA) | 0.9686% | 2,249 |
| Pretax return on assets | 0.9686% | 2,837 |
| Return on Equity (ROE) | 11.2610% | 1,902 |
| Retained earnings to average equity (ytd only) | -4.2714% | 4,507 |
| Net charge-offs to loans | -0.0047% | 3,316 |
| Credit loss provision to net charge-offs | -1,750.0000% | 3,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2722% | 1,246 |
| Assets per employee ($millions) | 4.5437% | 4,038 |
| Cash dividends to net income (ytd only)* | 137.9310% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8341% | 765 |
| Loan loss allowance to noncurrent loans | 5,156.2500% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 3,789 |
| Noncurrent loans to loans | 0.0356% | 3,683 |
| Net loans and leases to total assets | 58.8965% | 2,449 |
| Net loans and leases to deposits | 65.6248% | 2,579 |
| Net loans and leases to core deposits | 68.1846% | 2,640 |
| Total domestic deposits to total assets | 89.7473% | 1,819 |
| Equity capital to assets | 7.7290% | 3,327 |
| Core capital (leverage) ratio | 9.7457% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8508% | 1,750 |
| Memoranda: | ||
| Average total assets | $149,702,333 | 3,502 |
| Average earning assets | $135,369,333 | 3,543 |
| Average equity | $12,876,333 | 3,694 |
| Average total loans | $85,272,667 | 3,389 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 616 |
| Cost of funding earning assets | 0.1288% | 3,790 |
| Net interest margin | 3.9902% | 423 |
| Noninterest income to average assets | 0.6017% | 1,692 |
| Noninterest expense to average assets | 3.2784% | 552 |
| Loan and lease loss provision to assets | 0.0401% | 1,635 |
| Net operating income to assets | 0.8450% | 2,502 |
| Return on assets (ROA) | 0.8450% | 2,493 |
| Pretax return on assets | 0.8450% | 2,962 |
| Return on Equity (ROE) | 9.3491% | 2,198 |
| Retained earnings to average equity (ytd only) | -20.2367% | 4,701 |
| Net charge-offs to loans | -0.0048% | 3,329 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7412% | 1,248 |
| Assets per employee ($millions) | 4.7101% | 3,992 |
| Cash dividends to net income (ytd only)* | 316.4557% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 719 |
| Loan loss allowance to noncurrent loans | 1,313.7097% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 3,257 |
| Noncurrent loans to loans | 0.1459% | 3,076 |
| Net loans and leases to total assets | 55.3243% | 2,600 |
| Net loans and leases to deposits | 60.5016% | 2,860 |
| Net loans and leases to core deposits | 62.5672% | 2,925 |
| Total domestic deposits to total assets | 91.4426% | 834 |
| Equity capital to assets | 8.1599% | 3,441 |
| Core capital (leverage) ratio | 9.2882% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4595% | 2,010 |
| Memoranda: | ||
| Average total assets | $149,583,000 | 3,520 |
| Average earning assets | $133,528,500 | 3,585 |
| Average equity | $13,520,000 | 3,701 |
| Average total loans | $82,929,000 | 3,423 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 553 |
| Cost of funding earning assets | 0.1834% | 3,617 |
| Net interest margin | 4.3663% | 355 |
| Noninterest income to average assets | 0.6792% | 1,839 |
| Noninterest expense to average assets | 3.4614% | 509 |
| Loan and lease loss provision to assets | 0.0728% | 1,644 |
| Net operating income to assets | 1.0729% | 2,398 |
| Return on assets (ROA) | 1.0182% | 2,678 |
| Pretax return on assets | 1.0182% | 3,207 |
| Return on Equity (ROE) | 10.0674% | 2,499 |
| Retained earnings to average equity (ytd only) | 3.8995% | 3,256 |
| Net charge-offs to loans | -0.0063% | 3,607 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1316% | 1,197 |
| Assets per employee ($millions) | 4.4982% | 4,117 |
| Cash dividends to net income (ytd only)* | 61.2662% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9952% | 611 |
| Loan loss allowance to noncurrent loans | 4,032.5000% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 3,859 |
| Noncurrent loans to loans | 0.0495% | 3,724 |
| Net loans and leases to total assets | 53.3737% | 2,926 |
| Net loans and leases to deposits | 59.5071% | 3,124 |
| Net loans and leases to core deposits | 61.4440% | 3,211 |
| Total domestic deposits to total assets | 89.6929% | 1,113 |
| Equity capital to assets | 9.9305% | 2,726 |
| Core capital (leverage) ratio | 10.0812% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1752% | 1,458 |
| Memoranda: | ||
| Average total assets | $144,276,800 | 3,541 |
| Average earning assets | $129,788,400 | 3,579 |
| Average equity | $14,591,600 | 3,679 |
| Average total loans | $79,749,800 | 3,485 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6984% | 485 |
| Cost of funding earning assets | 0.1922% | 3,698 |
| Net interest margin | 4.5062% | 309 |
| Noninterest income to average assets | 0.6870% | 1,870 |
| Noninterest expense to average assets | 3.3827% | 544 |
| Loan and lease loss provision to assets | 0.0887% | 1,344 |
| Net operating income to assets | 1.2753% | 1,903 |
| Return on assets (ROA) | 1.2017% | 2,224 |
| Pretax return on assets | 1.2017% | 2,929 |
| Return on Equity (ROE) | 11.8267% | 2,104 |
| Retained earnings to average equity (ytd only) | 3.5819% | 3,720 |
| Net charge-offs to loans | -0.0067% | 3,526 |
| Credit loss provision to net charge-offs | -2,375.0000% | 4,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2689% | 1,465 |
| Assets per employee ($millions) | 4.6714% | 3,986 |
| Cash dividends to net income (ytd only)* | 69.7134% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0660% | 572 |
| Loan loss allowance to noncurrent loans | 3,723.2558% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,974 |
| Noncurrent loans to loans | 0.0555% | 3,829 |
| Net loans and leases to total assets | 52.4052% | 3,160 |
| Net loans and leases to deposits | 58.8035% | 3,339 |
| Net loans and leases to core deposits | 60.5362% | 3,439 |
| Total domestic deposits to total assets | 89.1191% | 1,218 |
| Equity capital to assets | 10.2815% | 2,627 |
| Core capital (leverage) ratio | 9.8067% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9003% | 1,654 |
| Memoranda: | ||
| Average total assets | $143,235,500 | 3,590 |
| Average earning assets | $129,032,500 | 3,624 |
| Average equity | $14,554,250 | 3,731 |
| Average total loans | $79,476,750 | 3,536 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 755 |
| Cost of funding earning assets | 0.2049% | 3,698 |
| Net interest margin | 4.2710% | 514 |
| Noninterest income to average assets | 0.7288% | 1,724 |
| Noninterest expense to average assets | 3.3537% | 574 |
| Loan and lease loss provision to assets | 0.0883% | 1,401 |
| Net operating income to assets | 1.1436% | 2,391 |
| Return on assets (ROA) | 1.1492% | 2,431 |
| Pretax return on assets | 1.1492% | 3,061 |
| Return on Equity (ROE) | 11.3552% | 2,285 |
| Retained earnings to average equity (ytd only) | -1.1078% | 4,614 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1357% | 1,326 |
| Assets per employee ($millions) | 4.3175% | 4,248 |
| Cash dividends to net income (ytd only)* | 109.7561% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8814% | 762 |
| Loan loss allowance to noncurrent loans | 255.4649% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 1,941 |
| Noncurrent loans to loans | 0.7365% | 1,616 |
| Net loans and leases to total assets | 55.6358% | 2,943 |
| Net loans and leases to deposits | 62.1098% | 3,188 |
| Net loans and leases to core deposits | 63.9035% | 3,294 |
| Total domestic deposits to total assets | 89.5765% | 987 |
| Equity capital to assets | 9.8560% | 3,001 |
| Core capital (leverage) ratio | 9.6681% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3014% | 1,868 |
| Memoranda: | ||
| Average total assets | $142,709,333 | 3,603 |
| Average earning assets | $128,869,667 | 3,639 |
| Average equity | $14,442,667 | 3,747 |
| Average total loans | $80,138,667 | 3,547 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5942% | 673 |
| Cost of funding earning assets | 0.2201% | 3,723 |
| Net interest margin | 4.3741% | 450 |
| Noninterest income to average assets | 0.7507% | 1,706 |
| Noninterest expense to average assets | 3.2502% | 649 |
| Loan and lease loss provision to assets | 0.0910% | 1,461 |
| Net operating income to assets | 1.3649% | 1,648 |
| Return on assets (ROA) | 1.3763% | 1,704 |
| Pretax return on assets | 1.3763% | 2,347 |
| Return on Equity (ROE) | 13.4165% | 1,566 |
| Retained earnings to average equity (ytd only) | -11.5315% | 4,837 |
| Net charge-offs to loans | 0.0204% | 1,332 |
| Credit loss provision to net charge-offs | 800.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 532 |
| Efficiency ratio | 69.0634% | 1,807 |
| Assets per employee ($millions) | 4.5073% | 4,092 |
| Cash dividends to net income (ytd only)* | 185.9504% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8343% | 822 |
| Loan loss allowance to noncurrent loans | 247.4960% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 2,113 |
| Noncurrent loans to loans | 0.7411% | 1,750 |
| Net loans and leases to total assets | 56.8433% | 2,939 |
| Net loans and leases to deposits | 63.2726% | 3,194 |
| Net loans and leases to core deposits | 65.3932% | 3,290 |
| Total domestic deposits to total assets | 89.8388% | 896 |
| Equity capital to assets | 9.6863% | 3,020 |
| Core capital (leverage) ratio | 9.5621% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4961% | 2,088 |
| Memoranda: | ||
| Average total assets | $140,667,000 | 3,635 |
| Average earning assets | $127,203,500 | 3,655 |
| Average equity | $14,430,000 | 3,753 |
| Average total loans | $78,590,000 | 3,588 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 1,189 |
| Cost of funding earning assets | 0.3934% | 3,620 |
| Net interest margin | 4.1582% | 707 |
| Noninterest income to average assets | 0.6482% | 2,036 |
| Noninterest expense to average assets | 3.4323% | 756 |
| Loan and lease loss provision to assets | 0.1092% | 2,979 |
| Net operating income to assets | 0.9486% | 2,485 |
| Return on assets (ROA) | 0.9735% | 2,533 |
| Pretax return on assets | 0.9735% | 3,135 |
| Return on Equity (ROE) | 8.8638% | 2,450 |
| Retained earnings to average equity (ytd only) | 3.0043% | 3,349 |
| Net charge-offs to loans | 0.1821% | 925 |
| Credit loss provision to net charge-offs | 102.1898% | 2,791 |
| Earnings coverage of net charge-offs (x) | 9.8978% | 2,500 |
| Efficiency ratio | 76.4420% | 1,174 |
| Assets per employee ($millions) | 4.2843% | 4,133 |
| Cash dividends to net income (ytd only)* | 66.1058% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0405% | 539 |
| Loan loss allowance to noncurrent loans | 104.9581% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 830 |
| Noncurrent loans to loans | 1.9441% | 605 |
| Net loans and leases to total assets | 52.6313% | 3,621 |
| Net loans and leases to deposits | 59.1781% | 3,815 |
| Net loans and leases to core deposits | 60.5181% | 3,914 |
| Total domestic deposits to total assets | 88.9372% | 1,015 |
| Equity capital to assets | 10.8600% | 2,378 |
| Core capital (leverage) ratio | 10.4484% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5987% | 1,381 |
| Memoranda: | ||
| Average total assets | $128,194,600 | 3,650 |
| Average earning assets | $118,441,400 | 3,638 |
| Average equity | $14,079,800 | 3,746 |
| Average total loans | $75,215,400 | 3,642 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 966 |
| Cost of funding earning assets | 0.4320% | 3,630 |
| Net interest margin | 4.3180% | 565 |
| Noninterest income to average assets | 0.6531% | 1,975 |
| Noninterest expense to average assets | 3.5881% | 622 |
| Loan and lease loss provision to assets | 0.1373% | 2,640 |
| Net operating income to assets | 0.9473% | 2,529 |
| Return on assets (ROA) | 0.9674% | 2,592 |
| Pretax return on assets | 0.9674% | 3,169 |
| Return on Equity (ROE) | 8.7814% | 2,482 |
| Retained earnings to average equity (ytd only) | 0.8551% | 4,297 |
| Net charge-offs to loans | 0.2398% | 636 |
| Credit loss provision to net charge-offs | 95.5882% | 2,666 |
| Earnings coverage of net charge-offs (x) | 7.5368% | 2,570 |
| Efficiency ratio | 76.7837% | 1,132 |
| Assets per employee ($millions) | 4.0875% | 4,256 |
| Cash dividends to net income (ytd only)* | 90.2626% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9156% | 568 |
| Loan loss allowance to noncurrent loans | 85.8128% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.3500% | 678 |
| Noncurrent loans to loans | 2.2323% | 516 |
| Net loans and leases to total assets | 56.7103% | 3,550 |
| Net loans and leases to deposits | 63.9657% | 3,796 |
| Net loans and leases to core deposits | 65.1890% | 3,943 |
| Total domestic deposits to total assets | 88.6573% | 915 |
| Equity capital to assets | 10.8096% | 2,542 |
| Core capital (leverage) ratio | 10.2923% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,968,500 | 3,667 |
| Average earning assets | $117,274,500 | 3,646 |
| Average equity | $13,877,500 | 3,773 |
| Average total loans | $75,604,250 | 3,648 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1311% | 650 |
| Cost of funding earning assets | 0.4825% | 3,639 |
| Net interest margin | 4.6487% | 378 |
| Noninterest income to average assets | 0.6618% | 1,896 |
| Noninterest expense to average assets | 3.6018% | 649 |
| Loan and lease loss provision to assets | 0.1951% | 2,087 |
| Net operating income to assets | 1.2049% | 1,627 |
| Return on assets (ROA) | 1.2358% | 1,647 |
| Pretax return on assets | 1.2358% | 2,235 |
| Return on Equity (ROE) | 11.1412% | 1,590 |
| Retained earnings to average equity (ytd only) | -0.9529% | 4,472 |
| Net charge-offs to loans | 0.2246% | 694 |
| Credit loss provision to net charge-offs | 142.8571% | 2,161 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 2,164 |
| Efficiency ratio | 72.0091% | 1,683 |
| Assets per employee ($millions) | 4.0504% | 4,254 |
| Cash dividends to net income (ytd only)* | 108.5526% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9782% | 453 |
| Loan loss allowance to noncurrent loans | 80.8847% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.5517% | 590 |
| Noncurrent loans to loans | 2.4457% | 488 |
| Net loans and leases to total assets | 56.9428% | 3,615 |
| Net loans and leases to deposits | 64.0188% | 3,881 |
| Net loans and leases to core deposits | 65.2510% | 4,010 |
| Total domestic deposits to total assets | 88.9469% | 761 |
| Equity capital to assets | 10.6760% | 2,597 |
| Core capital (leverage) ratio | 10.5624% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,995,000 | 3,688 |
| Average earning assets | $114,828,333 | 3,664 |
| Average equity | $13,643,000 | 3,810 |
| Average total loans | $74,809,000 | 3,669 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 864 |
| Cost of funding earning assets | 0.5717% | 3,586 |
| Net interest margin | 4.4870% | 516 |
| Noninterest income to average assets | 0.7955% | 1,330 |
| Noninterest expense to average assets | 3.6478% | 754 |
| Loan and lease loss provision to assets | 0.0340% | 3,341 |
| Net operating income to assets | 1.3292% | 1,160 |
| Return on assets (ROA) | 1.3292% | 1,254 |
| Pretax return on assets | 1.3292% | 1,786 |
| Return on Equity (ROE) | 11.7334% | 1,185 |
| Retained earnings to average equity (ytd only) | -13.0237% | 4,852 |
| Net charge-offs to loans | 0.4524% | 319 |
| Credit loss provision to net charge-offs | 12.0482% | 2,226 |
| Earnings coverage of net charge-offs (x) | 4.8313% | 2,110 |
| Efficiency ratio | 72.7951% | 1,964 |
| Assets per employee ($millions) | 3.5632% | 4,423 |
| Cash dividends to net income (ytd only)* | 210.9974% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9486% | 555 |
| Loan loss allowance to noncurrent loans | 67.0898% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.9001% | 457 |
| Noncurrent loans to loans | 2.9045% | 379 |
| Net loans and leases to total assets | 59.2695% | 3,567 |
| Net loans and leases to deposits | 67.6353% | 3,751 |
| Net loans and leases to core deposits | 68.9260% | 3,942 |
| Total domestic deposits to total assets | 87.6310% | 1,259 |
| Equity capital to assets | 10.8130% | 3,037 |
| Core capital (leverage) ratio | 11.1381% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,660,500 | 3,737 |
| Average earning assets | $110,541,500 | 3,708 |
| Average equity | $13,329,500 | 3,849 |
| Average total loans | $73,389,500 | 3,692 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2537% | 899 |
| Cost of funding earning assets | 0.5975% | 3,648 |
| Net interest margin | 4.6561% | 516 |
| Noninterest income to average assets | 0.8735% | 1,238 |
| Noninterest expense to average assets | 3.9822% | 539 |
| Loan and lease loss provision to assets | 0.2408% | 777 |
| Net operating income to assets | 1.0437% | 2,682 |
| Return on assets (ROA) | 1.0877% | 2,587 |
| Pretax return on assets | 1.0877% | 3,204 |
| Return on Equity (ROE) | 10.1909% | 2,209 |
| Retained earnings to average equity (ytd only) | 3.9675% | 2,978 |
| Net charge-offs to loans | 0.2523% | 820 |
| Credit loss provision to net charge-offs | 147.2081% | 1,747 |
| Earnings coverage of net charge-offs (x) | 7.8528% | 2,837 |
| Efficiency ratio | 75.6109% | 1,405 |
| Assets per employee ($millions) | 3.3580% | 4,603 |
| Cash dividends to net income (ytd only)* | 61.0687% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0395% | 433 |
| Loan loss allowance to noncurrent loans | 73.9645% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.9296% | 418 |
| Noncurrent loans to loans | 2.7574% | 374 |
| Net loans and leases to total assets | 63.1045% | 3,305 |
| Net loans and leases to deposits | 72.9206% | 3,445 |
| Net loans and leases to core deposits | 74.4149% | 3,687 |
| Total domestic deposits to total assets | 86.5386% | 1,830 |
| Equity capital to assets | 11.8760% | 2,221 |
| Core capital (leverage) ratio | 11.8378% | 1,873 |
| Tier 1 risk-based capital ratio | 16.1726% | 2,341 |
| Total risk-based capital ratio | 17.4289% | 2,289 |
| Memoranda: | ||
| Average total assets | $120,436,800 | 3,696 |
| Average earning assets | $113,635,200 | 3,654 |
| Average equity | $12,854,600 | 3,895 |
| Average total loans | $78,082,800 | 3,636 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3441% | 788 |
| Cost of funding earning assets | 0.5889% | 3,745 |
| Net interest margin | 4.7552% | 450 |
| Noninterest income to average assets | 1.0142% | 911 |
| Noninterest expense to average assets | 4.1189% | 463 |
| Loan and lease loss provision to assets | 0.2623% | 598 |
| Net operating income to assets | 1.1245% | 2,475 |
| Return on assets (ROA) | 1.1792% | 2,349 |
| Pretax return on assets | 1.1792% | 3,048 |
| Return on Equity (ROE) | 11.3470% | 1,869 |
| Retained earnings to average equity (ytd only) | 2.9340% | 3,919 |
| Net charge-offs to loans | 0.3400% | 501 |
| Credit loss provision to net charge-offs | 118.8119% | 1,970 |
| Earnings coverage of net charge-offs (x) | 6.2821% | 2,852 |
| Efficiency ratio | 74.8114% | 1,464 |
| Assets per employee ($millions) | 3.4648% | 4,533 |
| Cash dividends to net income (ytd only)* | 74.1428% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 556 |
| Loan loss allowance to noncurrent loans | 71.8688% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 2.1222% | 391 |
| Noncurrent loans to loans | 2.6506% | 413 |
| Net loans and leases to total assets | 63.2084% | 3,362 |
| Net loans and leases to deposits | 71.7976% | 3,626 |
| Net loans and leases to core deposits | 72.8349% | 3,899 |
| Total domestic deposits to total assets | 88.0369% | 1,021 |
| Equity capital to assets | 11.3638% | 2,784 |
| Core capital (leverage) ratio | 11.0322% | 2,615 |
| Tier 1 risk-based capital ratio | 16.2990% | 2,335 |
| Total risk-based capital ratio | 17.5553% | 2,263 |
| Memoranda: | ||
| Average total assets | $122,003,250 | 3,700 |
| Average earning assets | $115,240,500 | 3,662 |
| Average equity | $12,678,500 | 3,957 |
| Average total loans | $79,216,750 | 3,653 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3325% | 756 |
| Cost of funding earning assets | 0.5619% | 3,825 |
| Net interest margin | 4.7706% | 431 |
| Noninterest income to average assets | 0.6483% | 1,926 |
| Noninterest expense to average assets | 4.0096% | 534 |
| Loan and lease loss provision to assets | 0.1945% | 896 |
| Net operating income to assets | 0.9578% | 3,069 |
| Return on assets (ROA) | 0.9676% | 3,109 |
| Pretax return on assets | 0.9676% | 3,655 |
| Return on Equity (ROE) | 9.5963% | 2,592 |
| Retained earnings to average equity (ytd only) | -3.2631% | 4,980 |
| Net charge-offs to loans | 0.2266% | 746 |
| Credit loss provision to net charge-offs | 131.8681% | 1,648 |
| Earnings coverage of net charge-offs (x) | 7.8132% | 2,460 |
| Efficiency ratio | 77.6766% | 1,196 |
| Assets per employee ($millions) | 3.6004% | 4,377 |
| Cash dividends to net income (ytd only)* | 134.0034% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7445% | 759 |
| Loan loss allowance to noncurrent loans | 46.1588% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 2.8021% | 238 |
| Noncurrent loans to loans | 3.7793% | 203 |
| Net loans and leases to total assets | 64.1841% | 3,318 |
| Net loans and leases to deposits | 71.7603% | 3,707 |
| Net loans and leases to core deposits | 72.5442% | 3,972 |
| Total domestic deposits to total assets | 89.4424% | 495 |
| Equity capital to assets | 10.1806% | 3,806 |
| Core capital (leverage) ratio | 10.4986% | 3,088 |
| Tier 1 risk-based capital ratio | 14.5402% | 3,047 |
| Total risk-based capital ratio | 15.7948% | 2,967 |
| Memoranda: | ||
| Average total assets | $123,403,000 | 3,704 |
| Average earning assets | $116,756,330 | 3,664 |
| Average equity | $12,442,330 | 3,989 |
| Average total loans | $80,319,670 | 3,653 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5091% | 516 |
| Cost of funding earning assets | 0.5360% | 3,889 |
| Net interest margin | 4.9731% | 295 |
| Noninterest income to average assets | 0.6749% | 1,704 |
| Noninterest expense to average assets | 3.8887% | 605 |
| Loan and lease loss provision to assets | 0.1966% | 827 |
| Net operating income to assets | 1.3006% | 1,694 |
| Return on assets (ROA) | 1.3006% | 1,733 |
| Pretax return on assets | 1.3006% | 2,451 |
| Return on Equity (ROE) | 12.9643% | 1,230 |
| Retained earnings to average equity (ytd only) | -13.1603% | 5,176 |
| Net charge-offs to loans | -0.0101% | 4,232 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2019% | 2,008 |
| Assets per employee ($millions) | 3.7317% | 4,301 |
| Cash dividends to net income (ytd only)* | 201.5113% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8394% | 653 |
| Loan loss allowance to noncurrent loans | 50.3772% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 2.5011% | 313 |
| Noncurrent loans to loans | 3.6513% | 236 |
| Net loans and leases to total assets | 63.6591% | 3,328 |
| Net loans and leases to deposits | 71.0526% | 3,687 |
| Net loans and leases to core deposits | 71.8444% | 3,953 |
| Total domestic deposits to total assets | 89.5944% | 603 |
| Equity capital to assets | 10.0199% | 3,804 |
| Core capital (leverage) ratio | 10.3239% | 3,250 |
| Tier 1 risk-based capital ratio | 14.3941% | 3,149 |
| Total risk-based capital ratio | 15.6490% | 3,072 |
| Memoranda: | ||
| Average total assets | $122,097,500 | 3,767 |
| Average earning assets | $115,663,000 | 3,722 |
| Average equity | $12,249,000 | 4,032 |
| Average total loans | $79,321,000 | 3,710 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9332% | 1,196 |
| Cost of funding earning assets | 0.3937% | 4,021 |
| Net interest margin | 4.5395% | 707 |
| Noninterest income to average assets | 0.7178% | 1,780 |
| Noninterest expense to average assets | 3.7391% | 736 |
| Loan and lease loss provision to assets | 0.2116% | 878 |
| Net operating income to assets | 1.0667% | 2,728 |
| Return on assets (ROA) | 1.0428% | 2,819 |
| Pretax return on assets | 1.0428% | 3,468 |
| Return on Equity (ROE) | 11.2016% | 2,003 |
| Retained earnings to average equity (ytd only) | 6.0554% | 2,166 |
| Net charge-offs to loans | 0.0114% | 3,293 |
| Credit loss provision to net charge-offs | 2,944.4444% | 168 |
| Earnings coverage of net charge-offs (x) | 177.8889% | 492 |
| Efficiency ratio | 74.5226% | 1,558 |
| Assets per employee ($millions) | 3.6682% | 4,369 |
| Cash dividends to net income (ytd only)* | 45.9418% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7860% | 700 |
| Loan loss allowance to noncurrent loans | 47.8571% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 2.4907% | 309 |
| Noncurrent loans to loans | 3.7319% | 217 |
| Net loans and leases to total assets | 63.9182% | 3,370 |
| Net loans and leases to deposits | 71.9789% | 3,672 |
| Net loans and leases to core deposits | 72.8004% | 3,931 |
| Total domestic deposits to total assets | 88.8013% | 945 |
| Equity capital to assets | 10.0446% | 3,639 |
| Core capital (leverage) ratio | 10.8473% | 2,680 |
| Tier 1 risk-based capital ratio | 15.1001% | 2,784 |
| Total risk-based capital ratio | 16.3551% | 2,718 |
| Memoranda: | ||
| Average total assets | $125,244,600 | 3,709 |
| Average earning assets | $118,625,600 | 3,668 |
| Average equity | $11,659,000 | 4,066 |
| Average total loans | $78,698,800 | 3,691 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8793% | 1,213 |
| Cost of funding earning assets | 0.3545% | 4,153 |
| Net interest margin | 4.5248% | 704 |
| Noninterest income to average assets | 0.7253% | 1,771 |
| Noninterest expense to average assets | 3.6718% | 783 |
| Loan and lease loss provision to assets | 0.2164% | 771 |
| Net operating income to assets | 1.1222% | 2,567 |
| Return on assets (ROA) | 1.1191% | 2,595 |
| Pretax return on assets | 1.1191% | 3,323 |
| Return on Equity (ROE) | 12.2533% | 1,698 |
| Retained earnings to average equity (ytd only) | 5.3175% | 3,049 |
| Net charge-offs to loans | 0.0136% | 2,940 |
| Credit loss provision to net charge-offs | 2,562.5000% | 164 |
| Earnings coverage of net charge-offs (x) | 158.4461% | 516 |
| Efficiency ratio | 73.2828% | 1,685 |
| Assets per employee ($millions) | 3.7952% | 4,177 |
| Cash dividends to net income (ytd only)* | 56.6037% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 832 |
| Loan loss allowance to noncurrent loans | 33.9205% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 3.2723% | 202 |
| Noncurrent loans to loans | 5.0847% | 121 |
| Net loans and leases to total assets | 63.2451% | 3,518 |
| Net loans and leases to deposits | 70.3737% | 3,891 |
| Net loans and leases to core deposits | 72.4371% | 4,050 |
| Total domestic deposits to total assets | 89.8703% | 552 |
| Equity capital to assets | 9.5928% | 4,002 |
| Core capital (leverage) ratio | 10.4394% | 3,141 |
| Tier 1 risk-based capital ratio | 14.9996% | 2,884 |
| Total risk-based capital ratio | 16.2542% | 2,804 |
| Memoranda: | ||
| Average total assets | $126,293,250 | 3,725 |
| Average earning assets | $119,605,250 | 3,688 |
| Average equity | $11,534,000 | 4,124 |
| Average total loans | $78,678,500 | 3,723 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 1,456 |
| Cost of funding earning assets | 0.3351% | 4,168 |
| Net interest margin | 4.3845% | 880 |
| Noninterest income to average assets | 0.6473% | 2,105 |
| Noninterest expense to average assets | 3.5807% | 885 |
| Loan and lease loss provision to assets | 0.2267% | 716 |
| Net operating income to assets | 0.9929% | 3,058 |
| Return on assets (ROA) | 0.9882% | 3,076 |
| Pretax return on assets | 0.9882% | 3,701 |
| Return on Equity (ROE) | 10.9958% | 2,120 |
| Retained earnings to average equity (ytd only) | 0.5567% | 4,845 |
| Net charge-offs to loans | 0.0178% | 2,555 |
| Credit loss provision to net charge-offs | 2,071.4286% | 206 |
| Earnings coverage of net charge-offs (x) | 111.4286% | 644 |
| Efficiency ratio | 74.5928% | 1,626 |
| Assets per employee ($millions) | 3.6618% | 4,387 |
| Cash dividends to net income (ytd only)* | 94.9367% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 1,032 |
| Loan loss allowance to noncurrent loans | 34.1270% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 3.0361% | 242 |
| Noncurrent loans to loans | 4.7721% | 148 |
| Net loans and leases to total assets | 62.5866% | 3,537 |
| Net loans and leases to deposits | 69.1654% | 3,929 |
| Net loans and leases to core deposits | 70.7389% | 4,106 |
| Total domestic deposits to total assets | 90.4884% | 401 |
| Equity capital to assets | 9.1574% | 4,424 |
| Core capital (leverage) ratio | 9.8017% | 3,787 |
| Tier 1 risk-based capital ratio | 14.3640% | 3,175 |
| Total risk-based capital ratio | 15.6171% | 3,093 |
| Memoranda: | ||
| Average total assets | $127,909,330 | 3,736 |
| Average earning assets | $121,153,670 | 3,685 |
| Average equity | $11,495,330 | 4,157 |
| Average total loans | $78,852,670 | 3,732 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 1,512 |
| Cost of funding earning assets | 0.3256% | 4,162 |
| Net interest margin | 4.2941% | 959 |
| Noninterest income to average assets | 0.6388% | 2,082 |
| Noninterest expense to average assets | 3.4688% | 1,053 |
| Loan and lease loss provision to assets | 0.1697% | 1,045 |
| Net operating income to assets | 1.0709% | 2,562 |
| Return on assets (ROA) | 1.0616% | 2,609 |
| Pretax return on assets | 1.0616% | 3,306 |
| Return on Equity (ROE) | 11.9212% | 1,607 |
| Retained earnings to average equity (ytd only) | -8.8716% | 5,332 |
| Net charge-offs to loans | 0.0610% | 1,493 |
| Credit loss provision to net charge-offs | 458.3333% | 632 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 1,174 |
| Efficiency ratio | 73.6566% | 1,941 |
| Assets per employee ($millions) | 3.9758% | 4,021 |
| Cash dividends to net income (ytd only)* | 174.4186% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 1,410 |
| Loan loss allowance to noncurrent loans | 52.1151% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.8125% | 665 |
| Noncurrent loans to loans | 2.9064% | 420 |
| Net loans and leases to total assets | 59.2220% | 3,831 |
| Net loans and leases to deposits | 64.9034% | 4,158 |
| Net loans and leases to core deposits | 65.4539% | 4,349 |
| Total domestic deposits to total assets | 91.2464% | 242 |
| Equity capital to assets | 8.5250% | 4,951 |
| Core capital (leverage) ratio | 9.4672% | 4,103 |
| Tier 1 risk-based capital ratio | 13.6821% | 3,554 |
| Total risk-based capital ratio | 14.9328% | 3,461 |
| Memoranda: | ||
| Average total assets | $129,613,500 | 3,757 |
| Average earning assets | $122,867,500 | 3,698 |
| Average equity | $11,542,500 | 4,187 |
| Average total loans | $78,673,500 | 3,766 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 749 |
| Cost of funding earning assets | 0.3076% | 4,060 |
| Net interest margin | 4.6207% | 483 |
| Noninterest income to average assets | 0.7509% | 1,770 |
| Noninterest expense to average assets | 3.7094% | 781 |
| Loan and lease loss provision to assets | 0.2897% | 605 |
| Net operating income to assets | 1.1030% | 1,846 |
| Return on assets (ROA) | 0.9690% | 2,408 |
| Pretax return on assets | 0.9690% | 3,677 |
| Return on Equity (ROE) | 10.2838% | 1,774 |
| Retained earnings to average equity (ytd only) | 7.3683% | 965 |
| Net charge-offs to loans | 0.0925% | 2,157 |
| Credit loss provision to net charge-offs | 483.3333% | 646 |
| Earnings coverage of net charge-offs (x) | 23.2361% | 1,813 |
| Efficiency ratio | 72.7035% | 2,121 |
| Assets per employee ($millions) | 3.8795% | 4,143 |
| Cash dividends to net income (ytd only)* | 28.3505% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 1,520 |
| Loan loss allowance to noncurrent loans | 97.7910% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.9858% | 1,574 |
| Noncurrent loans to loans | 1.5003% | 1,134 |
| Net loans and leases to total assets | 60.3793% | 3,792 |
| Net loans and leases to deposits | 66.7058% | 4,130 |
| Net loans and leases to core deposits | 67.2882% | 4,340 |
| Total domestic deposits to total assets | 90.5158% | 391 |
| Equity capital to assets | 9.2951% | 4,435 |
| Core capital (leverage) ratio | 10.0379% | 3,411 |
| Tier 1 risk-based capital ratio | 14.3308% | 3,185 |
| Total risk-based capital ratio | 15.5818% | 3,087 |
| Memoranda: | ||
| Average total assets | $120,128,200 | 3,894 |
| Average earning assets | $113,122,400 | 3,864 |
| Average equity | $11,318,800 | 4,252 |
| Average total loans | $77,862,800 | 3,793 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 596 |
| Cost of funding earning assets | 0.3100% | 4,031 |
| Net interest margin | 4.7010% | 407 |
| Noninterest income to average assets | 0.6782% | 2,094 |
| Noninterest expense to average assets | 3.8672% | 622 |
| Loan and lease loss provision to assets | 0.2291% | 796 |
| Net operating income to assets | 0.9975% | 2,565 |
| Return on assets (ROA) | 0.8159% | 3,503 |
| Pretax return on assets | 0.8159% | 4,310 |
| Return on Equity (ROE) | 8.6274% | 2,801 |
| Retained earnings to average equity (ytd only) | 4.6896% | 3,085 |
| Net charge-offs to loans | 0.0721% | 2,098 |
| Credit loss provision to net charge-offs | 483.3333% | 662 |
| Earnings coverage of net charge-offs (x) | 25.8804% | 1,708 |
| Efficiency ratio | 75.9194% | 1,604 |
| Assets per employee ($millions) | 3.6515% | 4,513 |
| Cash dividends to net income (ytd only)* | 45.6431% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 2,245 |
| Loan loss allowance to noncurrent loans | 82.8663% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.2232% | 1,339 |
| Noncurrent loans to loans | 1.5984% | 1,150 |
| Net loans and leases to total assets | 63.9887% | 3,398 |
| Net loans and leases to deposits | 71.2338% | 3,850 |
| Net loans and leases to core deposits | 71.9114% | 4,135 |
| Total domestic deposits to total assets | 89.8291% | 534 |
| Equity capital to assets | 9.6846% | 4,259 |
| Core capital (leverage) ratio | 9.8871% | 3,714 |
| Tier 1 risk-based capital ratio | 14.0650% | 3,412 |
| Total risk-based capital ratio | 15.2912% | 3,337 |
| Memoranda: | ||
| Average total assets | $118,154,250 | 3,961 |
| Average earning assets | $110,981,500 | 3,933 |
| Average equity | $11,173,500 | 4,318 |
| Average total loans | $77,715,750 | 3,829 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0821% | 492 |
| Cost of funding earning assets | 0.3093% | 3,986 |
| Net interest margin | 4.7728% | 344 |
| Noninterest income to average assets | 0.7276% | 1,873 |
| Noninterest expense to average assets | 3.8902% | 596 |
| Loan and lease loss provision to assets | 0.2692% | 592 |
| Net operating income to assets | 1.0377% | 2,259 |
| Return on assets (ROA) | 0.7941% | 3,481 |
| Pretax return on assets | 0.7941% | 4,291 |
| Return on Equity (ROE) | 8.4666% | 2,792 |
| Retained earnings to average equity (ytd only) | 2.4709% | 4,208 |
| Net charge-offs to loans | 0.1057% | 1,570 |
| Credit loss provision to net charge-offs | 385.3659% | 801 |
| Earnings coverage of net charge-offs (x) | 18.7073% | 1,866 |
| Efficiency ratio | 74.8525% | 1,875 |
| Assets per employee ($millions) | 3.5296% | 4,668 |
| Cash dividends to net income (ytd only)* | 70.8155% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 2,651 |
| Loan loss allowance to noncurrent loans | 81.9835% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.1974% | 1,418 |
| Noncurrent loans to loans | 1.5318% | 1,222 |
| Net loans and leases to total assets | 64.9968% | 3,253 |
| Net loans and leases to deposits | 72.0854% | 3,726 |
| Net loans and leases to core deposits | 72.7707% | 4,036 |
| Total domestic deposits to total assets | 90.1663% | 480 |
| Equity capital to assets | 9.5237% | 4,386 |
| Core capital (leverage) ratio | 9.6262% | 3,990 |
| Tier 1 risk-based capital ratio | 13.2378% | 3,848 |
| Total risk-based capital ratio | 14.3868% | 3,828 |
| Memoranda: | ||
| Average total assets | $117,372,000 | 4,001 |
| Average earning assets | $109,915,000 | 3,976 |
| Average equity | $11,008,000 | 4,359 |
| Average total loans | $77,573,670 | 3,852 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7388% | 866 |
| Cost of funding earning assets | 0.3125% | 3,921 |
| Net interest margin | 4.4263% | 612 |
| Noninterest income to average assets | 0.8548% | 1,382 |
| Noninterest expense to average assets | 3.9223% | 590 |
| Loan and lease loss provision to assets | 0.1551% | 1,173 |
| Net operating income to assets | 0.9271% | 2,631 |
| Return on assets (ROA) | 0.9271% | 2,687 |
| Pretax return on assets | 0.9271% | 3,669 |
| Return on Equity (ROE) | 9.9653% | 1,978 |
| Retained earnings to average equity (ytd only) | -2.2598% | 5,193 |
| Net charge-offs to loans | -0.1769% | 5,599 |
| Credit loss provision to net charge-offs | -132.3529% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3747% | 1,579 |
| Assets per employee ($millions) | 3.3160% | 5,028 |
| Cash dividends to net income (ytd only)* | 122.6766% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 2,938 |
| Loan loss allowance to noncurrent loans | 78.0049% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.2146% | 1,444 |
| Noncurrent loans to loans | 1.5770% | 1,240 |
| Net loans and leases to total assets | 64.1653% | 3,253 |
| Net loans and leases to deposits | 70.7897% | 3,714 |
| Net loans and leases to core deposits | 71.2964% | 4,050 |
| Total domestic deposits to total assets | 90.6422% | 412 |
| Equity capital to assets | 9.1191% | 4,692 |
| Core capital (leverage) ratio | 9.8056% | 3,748 |
| Tier 1 risk-based capital ratio | 14.0002% | 3,481 |
| Total risk-based capital ratio | 15.1699% | 3,440 |
| Memoranda: | ||
| Average total assets | $116,055,000 | 4,063 |
| Average earning assets | $108,803,500 | 4,029 |
| Average equity | $10,797,500 | 4,420 |
| Average total loans | $76,864,500 | 3,884 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7981% | 893 |
| Cost of funding earning assets | 0.3007% | 4,058 |
| Net interest margin | 4.4974% | 628 |
| Noninterest income to average assets | 0.6109% | 2,607 |
| Noninterest expense to average assets | 3.8355% | 747 |
| Loan and lease loss provision to assets | 0.5440% | 247 |
| Net operating income to assets | 0.4282% | 4,852 |
| Return on assets (ROA) | 0.4728% | 4,813 |
| Pretax return on assets | 0.4728% | 5,088 |
| Return on Equity (ROE) | 5.0537% | 4,410 |
| Retained earnings to average equity (ytd only) | -1.4767% | 5,492 |
| Net charge-offs to loans | 1.1345% | 158 |
| Credit loss provision to net charge-offs | 73.2102% | 3,079 |
| Earnings coverage of net charge-offs (x) | 1.3083% | 4,001 |
| Efficiency ratio | 79.7787% | 1,444 |
| Assets per employee ($millions) | 3.0469% | 5,311 |
| Cash dividends to net income (ytd only)* | 129.2196% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 3,439 |
| Loan loss allowance to noncurrent loans | 64.1496% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.6118% | 986 |
| Noncurrent loans to loans | 1.7906% | 1,061 |
| Net loans and leases to total assets | 66.7962% | 2,957 |
| Net loans and leases to deposits | 73.9284% | 3,520 |
| Net loans and leases to core deposits | 74.3063% | 3,896 |
| Total domestic deposits to total assets | 90.3525% | 491 |
| Equity capital to assets | 9.4994% | 4,272 |
| Core capital (leverage) ratio | 10.0206% | 3,462 |
| Tier 1 risk-based capital ratio | 14.3452% | 3,254 |
| Total risk-based capital ratio | 15.4385% | 3,282 |
| Memoranda: | ||
| Average total assets | $116,541,400 | 4,053 |
| Average earning assets | $108,752,000 | 4,028 |
| Average equity | $10,903,000 | 4,438 |
| Average total loans | $76,332,000 | 3,893 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 975 |
| Cost of funding earning assets | 0.2966% | 4,143 |
| Net interest margin | 4.4581% | 693 |
| Noninterest income to average assets | 0.6128% | 2,598 |
| Noninterest expense to average assets | 3.9241% | 649 |
| Loan and lease loss provision to assets | 0.5980% | 195 |
| Net operating income to assets | 0.2519% | 5,389 |
| Return on assets (ROA) | 0.3109% | 5,347 |
| Pretax return on assets | 0.3109% | 5,447 |
| Return on Equity (ROE) | 3.3358% | 5,131 |
| Retained earnings to average equity (ytd only) | -5.3325% | 5,745 |
| Net charge-offs to loans | 0.5168% | 409 |
| Credit loss provision to net charge-offs | 178.0405% | 1,572 |
| Earnings coverage of net charge-offs (x) | 2.5304% | 3,553 |
| Efficiency ratio | 82.1963% | 1,172 |
| Assets per employee ($millions) | 3.0999% | 5,294 |
| Cash dividends to net income (ytd only)* | 259.8571% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 1,125 |
| Loan loss allowance to noncurrent loans | 87.0443% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.7385% | 971 |
| Noncurrent loans to loans | 1.9992% | 985 |
| Net loans and leases to total assets | 65.8181% | 3,153 |
| Net loans and leases to deposits | 73.1809% | 3,677 |
| Net loans and leases to core deposits | 75.7853% | 3,863 |
| Total domestic deposits to total assets | 89.9388% | 506 |
| Equity capital to assets | 9.5991% | 4,558 |
| Core capital (leverage) ratio | 9.6891% | 3,953 |
| Tier 1 risk-based capital ratio | 13.8433% | 3,641 |
| Total risk-based capital ratio | 15.0963% | 3,567 |
| Memoranda: | ||
| Average total assets | $117,493,250 | 4,062 |
| Average earning assets | $109,669,750 | 4,033 |
| Average equity | $10,951,500 | 4,475 |
| Average total loans | $76,370,750 | 3,923 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 1,004 |
| Cost of funding earning assets | 0.2916% | 4,233 |
| Net interest margin | 4.4296% | 720 |
| Noninterest income to average assets | 0.6114% | 2,561 |
| Noninterest expense to average assets | 3.8657% | 701 |
| Loan and lease loss provision to assets | 0.2280% | 898 |
| Net operating income to assets | 0.6485% | 4,047 |
| Return on assets (ROA) | 0.6671% | 4,107 |
| Pretax return on assets | 0.6671% | 4,723 |
| Return on Equity (ROE) | 7.2265% | 3,409 |
| Retained earnings to average equity (ytd only) | -5.7995% | 5,778 |
| Net charge-offs to loans | 0.5038% | 435 |
| Credit loss provision to net charge-offs | 70.3125% | 2,474 |
| Earnings coverage of net charge-offs (x) | 2.7031% | 3,226 |
| Efficiency ratio | 81.5171% | 1,328 |
| Assets per employee ($millions) | 3.1669% | 5,252 |
| Cash dividends to net income (ytd only)* | 180.2532% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 2,508 |
| Loan loss allowance to noncurrent loans | 60.4143% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 2.0465% | 798 |
| Noncurrent loans to loans | 2.2415% | 828 |
| Net loans and leases to total assets | 65.2750% | 3,186 |
| Net loans and leases to deposits | 72.3546% | 3,753 |
| Net loans and leases to core deposits | 74.8476% | 3,920 |
| Total domestic deposits to total assets | 90.2155% | 406 |
| Equity capital to assets | 9.5029% | 4,764 |
| Core capital (leverage) ratio | 9.5530% | 4,131 |
| Tier 1 risk-based capital ratio | 13.9100% | 3,653 |
| Total risk-based capital ratio | 15.1605% | 3,574 |
| Memoranda: | ||
| Average total assets | $118,425,000 | 4,078 |
| Average earning assets | $110,439,670 | 4,048 |
| Average equity | $10,932,000 | 4,503 |
| Average total loans | $76,218,000 | 3,946 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6829% | 1,086 |
| Cost of funding earning assets | 0.2866% | 4,315 |
| Net interest margin | 4.3964% | 746 |
| Noninterest income to average assets | 0.6417% | 2,309 |
| Noninterest expense to average assets | 3.7732% | 810 |
| Loan and lease loss provision to assets | 0.1344% | 1,569 |
| Net operating income to assets | 0.8064% | 3,209 |
| Return on assets (ROA) | 0.8433% | 3,147 |
| Pretax return on assets | 0.8433% | 4,051 |
| Return on Equity (ROE) | 9.2701% | 2,298 |
| Retained earnings to average equity (ytd only) | -17.0260% | 5,932 |
| Net charge-offs to loans | 0.0053% | 2,930 |
| Credit loss provision to net charge-offs | 4,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 280.0000% | 215 |
| Efficiency ratio | 80.0428% | 1,599 |
| Assets per employee ($millions) | 3.4554% | 4,876 |
| Cash dividends to net income (ytd only)* | 283.6653% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 2,020 |
| Loan loss allowance to noncurrent loans | 56.7327% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 2.2458% | 722 |
| Noncurrent loans to loans | 2.6318% | 687 |
| Net loans and leases to total assets | 62.5175% | 3,455 |
| Net loans and leases to deposits | 68.6952% | 3,984 |
| Net loans and leases to core deposits | 70.7993% | 4,176 |
| Total domestic deposits to total assets | 91.0070% | 273 |
| Equity capital to assets | 8.8359% | 5,312 |
| Core capital (leverage) ratio | 9.4452% | 4,288 |
| Tier 1 risk-based capital ratio | 13.6590% | 3,896 |
| Total risk-based capital ratio | 14.9112% | 3,820 |
| Memoranda: | ||
| Average total assets | $119,050,000 | 4,096 |
| Average earning assets | $110,272,500 | 4,086 |
| Average equity | $10,830,500 | 4,538 |
| Average total loans | $75,559,000 | 3,983 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 953 |
| Cost of funding earning assets | 0.3009% | 4,238 |
| Net interest margin | 4.4808% | 678 |
| Noninterest income to average assets | 0.8473% | 1,616 |
| Noninterest expense to average assets | 3.8914% | 769 |
| Loan and lease loss provision to assets | 0.2025% | 1,056 |
| Net operating income to assets | 0.9166% | 2,777 |
| Return on assets (ROA) | 0.9529% | 2,680 |
| Pretax return on assets | 0.9529% | 3,640 |
| Return on Equity (ROE) | 10.1316% | 1,965 |
| Retained earnings to average equity (ytd only) | 4.1502% | 3,044 |
| Net charge-offs to loans | 0.3473% | 855 |
| Credit loss provision to net charge-offs | 93.2271% | 2,698 |
| Earnings coverage of net charge-offs (x) | 5.1514% | 3,431 |
| Efficiency ratio | 77.6645% | 2,018 |
| Assets per employee ($millions) | 3.1665% | 5,326 |
| Cash dividends to net income (ytd only)* | 59.0372% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 2,057 |
| Loan loss allowance to noncurrent loans | 61.3977% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 2.0280% | 860 |
| Noncurrent loans to loans | 2.4246% | 777 |
| Net loans and leases to total assets | 62.5268% | 3,485 |
| Net loans and leases to deposits | 69.0928% | 4,021 |
| Net loans and leases to core deposits | 71.2915% | 4,190 |
| Total domestic deposits to total assets | 90.4968% | 438 |
| Equity capital to assets | 9.3675% | 4,711 |
| Core capital (leverage) ratio | 10.3514% | 3,104 |
| Tier 1 risk-based capital ratio | 14.0248% | 3,702 |
| Total risk-based capital ratio | 15.2752% | 3,628 |
| Memoranda: | ||
| Average total assets | $115,537,600 | 4,145 |
| Average earning assets | $107,347,000 | 4,107 |
| Average equity | $10,867,000 | 4,504 |
| Average total loans | $72,272,400 | 4,040 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 991 |
| Cost of funding earning assets | 0.3039% | 4,293 |
| Net interest margin | 4.4611% | 712 |
| Noninterest income to average assets | 0.9068% | 1,436 |
| Noninterest expense to average assets | 3.8830% | 759 |
| Loan and lease loss provision to assets | 0.1320% | 1,701 |
| Net operating income to assets | 1.0399% | 2,274 |
| Return on assets (ROA) | 1.0782% | 2,185 |
| Pretax return on assets | 1.0782% | 3,310 |
| Return on Equity (ROE) | 11.4511% | 1,551 |
| Retained earnings to average equity (ytd only) | 3.4563% | 4,006 |
| Net charge-offs to loans | 0.3977% | 644 |
| Credit loss provision to net charge-offs | 53.2710% | 2,999 |
| Earnings coverage of net charge-offs (x) | 4.7289% | 3,305 |
| Efficiency ratio | 76.8156% | 2,115 |
| Assets per employee ($millions) | 2.9931% | 5,554 |
| Cash dividends to net income (ytd only)* | 69.8179% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 2,334 |
| Loan loss allowance to noncurrent loans | 72.8307% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 2.1364% | 919 |
| Noncurrent loans to loans | 2.0028% | 1,158 |
| Net loans and leases to total assets | 62.4646% | 3,542 |
| Net loans and leases to deposits | 69.8306% | 4,005 |
| Net loans and leases to core deposits | 72.4162% | 4,156 |
| Total domestic deposits to total assets | 89.4515% | 795 |
| Equity capital to assets | 10.0816% | 4,068 |
| Core capital (leverage) ratio | 9.8130% | 3,886 |
| Tier 1 risk-based capital ratio | 14.1755% | 3,746 |
| Total risk-based capital ratio | 15.4275% | 3,676 |
| Memoranda: | ||
| Average total assets | $115,131,750 | 4,194 |
| Average earning assets | $107,055,250 | 4,161 |
| Average equity | $10,840,000 | 4,564 |
| Average total loans | $71,749,500 | 4,089 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6516% | 1,167 |
| Cost of funding earning assets | 0.3030% | 4,366 |
| Net interest margin | 4.3486% | 837 |
| Noninterest income to average assets | 0.8371% | 1,645 |
| Noninterest expense to average assets | 3.7395% | 942 |
| Loan and lease loss provision to assets | 0.1475% | 1,455 |
| Net operating income to assets | 0.9880% | 2,450 |
| Return on assets (ROA) | 0.9983% | 2,505 |
| Pretax return on assets | 0.9983% | 3,595 |
| Return on Equity (ROE) | 10.8464% | 1,732 |
| Retained earnings to average equity (ytd only) | -1.2673% | 5,734 |
| Net charge-offs to loans | 0.6144% | 380 |
| Credit loss provision to net charge-offs | 38.7387% | 2,833 |
| Earnings coverage of net charge-offs (x) | 2.9820% | 3,263 |
| Efficiency ratio | 76.7065% | 2,248 |
| Assets per employee ($millions) | 3.5719% | 4,672 |
| Cash dividends to net income (ytd only)* | 111.6838% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 2,778 |
| Loan loss allowance to noncurrent loans | 44.5246% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 2.8624% | 601 |
| Noncurrent loans to loans | 3.1354% | 610 |
| Net loans and leases to total assets | 59.2030% | 3,944 |
| Net loans and leases to deposits | 65.2855% | 4,406 |
| Net loans and leases to core deposits | 67.1487% | 4,560 |
| Total domestic deposits to total assets | 90.6833% | 389 |
| Equity capital to assets | 9.0215% | 5,216 |
| Core capital (leverage) ratio | 9.2262% | 4,653 |
| Tier 1 risk-based capital ratio | 13.6729% | 4,113 |
| Total risk-based capital ratio | 14.9213% | 4,050 |
| Memoranda: | ||
| Average total assets | $116,593,670 | 4,214 |
| Average earning assets | $108,263,670 | 4,179 |
| Average equity | $10,731,670 | 4,615 |
| Average total loans | $72,265,670 | 4,098 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 965 |
| Cost of funding earning assets | 0.3057% | 4,378 |
| Net interest margin | 4.4348% | 680 |
| Noninterest income to average assets | 0.7037% | 2,150 |
| Noninterest expense to average assets | 3.7463% | 937 |
| Loan and lease loss provision to assets | 0.2070% | 870 |
| Net operating income to assets | 0.9038% | 2,726 |
| Return on assets (ROA) | 0.9245% | 2,754 |
| Pretax return on assets | 0.9245% | 3,798 |
| Return on Equity (ROE) | 9.9439% | 2,031 |
| Retained earnings to average equity (ytd only) | -5.0090% | 5,938 |
| Net charge-offs to loans | 1.1121% | 209 |
| Credit loss provision to net charge-offs | 29.5567% | 2,283 |
| Earnings coverage of net charge-offs (x) | 1.5862% | 2,899 |
| Efficiency ratio | 77.1307% | 2,323 |
| Assets per employee ($millions) | 3.4648% | 4,958 |
| Cash dividends to net income (ytd only)* | 150.3731% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 3,163 |
| Loan loss allowance to noncurrent loans | 80.9406% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.8556% | 1,312 |
| Noncurrent loans to loans | 1.6629% | 1,671 |
| Net loans and leases to total assets | 61.0378% | 3,522 |
| Net loans and leases to deposits | 67.5583% | 3,998 |
| Net loans and leases to core deposits | 69.5272% | 4,200 |
| Total domestic deposits to total assets | 90.3484% | 588 |
| Equity capital to assets | 9.1576% | 5,130 |
| Core capital (leverage) ratio | 9.4457% | 4,357 |
| Tier 1 risk-based capital ratio | 13.7693% | 4,169 |
| Total risk-based capital ratio | 14.9934% | 4,106 |
| Memoranda: | ||
| Average total assets | $115,953,500 | 4,257 |
| Average earning assets | $108,595,000 | 4,204 |
| Average equity | $10,780,500 | 4,648 |
| Average total loans | $73,012,000 | 4,104 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8384% | 1,031 |
| Cost of funding earning assets | 0.3552% | 4,198 |
| Net interest margin | 4.4832% | 775 |
| Noninterest income to average assets | 0.8378% | 1,725 |
| Noninterest expense to average assets | 4.1982% | 605 |
| Loan and lease loss provision to assets | 0.1592% | 1,648 |
| Net operating income to assets | 0.6486% | 4,153 |
| Return on assets (ROA) | 0.6395% | 4,294 |
| Pretax return on assets | 0.6395% | 4,813 |
| Return on Equity (ROE) | 6.9133% | 3,682 |
| Retained earnings to average equity (ytd only) | 3.9631% | 3,395 |
| Net charge-offs to loans | 0.2331% | 1,810 |
| Credit loss provision to net charge-offs | 106.0606% | 2,257 |
| Earnings coverage of net charge-offs (x) | 5.3818% | 3,433 |
| Efficiency ratio | 83.8633% | 1,426 |
| Assets per employee ($millions) | 3.1695% | 5,472 |
| Cash dividends to net income (ytd only)* | 42.6743% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 2,312 |
| Loan loss allowance to noncurrent loans | 59.0957% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 2.5906% | 874 |
| Noncurrent loans to loans | 2.6006% | 956 |
| Net loans and leases to total assets | 63.1132% | 3,346 |
| Net loans and leases to deposits | 69.8555% | 3,931 |
| Net loans and leases to core deposits | 71.7457% | 4,151 |
| Total domestic deposits to total assets | 90.3482% | 595 |
| Equity capital to assets | 9.4415% | 4,789 |
| Core capital (leverage) ratio | 10.1987% | 3,311 |
| Tier 1 risk-based capital ratio | 14.0059% | 4,090 |
| Total risk-based capital ratio | 15.2573% | 4,014 |
| Memoranda: | ||
| Average total assets | $109,927,200 | 4,385 |
| Average earning assets | $102,203,400 | 4,350 |
| Average equity | $10,168,800 | 4,719 |
| Average total loans | $70,785,000 | 4,157 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 1,037 |
| Cost of funding earning assets | 0.3650% | 4,185 |
| Net interest margin | 4.4726% | 790 |
| Noninterest income to average assets | 0.8290% | 1,780 |
| Noninterest expense to average assets | 4.2589% | 580 |
| Loan and lease loss provision to assets | 0.1592% | 1,565 |
| Net operating income to assets | 0.5670% | 4,604 |
| Return on assets (ROA) | 0.5449% | 4,770 |
| Pretax return on assets | 0.5449% | 5,196 |
| Return on Equity (ROE) | 5.9227% | 4,272 |
| Retained earnings to average equity (ytd only) | 1.9299% | 5,091 |
| Net charge-offs to loans | 0.2735% | 1,436 |
| Credit loss provision to net charge-offs | 90.2778% | 2,424 |
| Earnings coverage of net charge-offs (x) | 4.1180% | 3,536 |
| Efficiency ratio | 85.4336% | 1,237 |
| Assets per employee ($millions) | 2.7877% | 5,982 |
| Cash dividends to net income (ytd only)* | 67.4156% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 2,470 |
| Loan loss allowance to noncurrent loans | 51.8886% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 2.9453% | 811 |
| Noncurrent loans to loans | 3.0013% | 892 |
| Net loans and leases to total assets | 65.5798% | 2,942 |
| Net loans and leases to deposits | 73.0272% | 3,563 |
| Net loans and leases to core deposits | 76.1799% | 3,722 |
| Total domestic deposits to total assets | 89.8019% | 818 |
| Equity capital to assets | 9.8403% | 4,378 |
| Core capital (leverage) ratio | 10.0564% | 3,590 |
| Tier 1 risk-based capital ratio | 14.1446% | 4,108 |
| Total risk-based capital ratio | 15.3968% | 4,043 |
| Memoranda: | ||
| Average total assets | $108,883,250 | 4,445 |
| Average earning assets | $101,175,500 | 4,411 |
| Average equity | $10,017,750 | 4,780 |
| Average total loans | $70,196,750 | 4,213 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 1,068 |
| Cost of funding earning assets | 0.3663% | 4,249 |
| Net interest margin | 4.4333% | 804 |
| Noninterest income to average assets | 0.8847% | 1,542 |
| Noninterest expense to average assets | 4.2269% | 581 |
| Loan and lease loss provision to assets | 0.1638% | 1,507 |
| Net operating income to assets | 0.6135% | 4,290 |
| Return on assets (ROA) | 0.5825% | 4,538 |
| Pretax return on assets | 0.5825% | 5,010 |
| Return on Equity (ROE) | 6.4762% | 3,891 |
| Retained earnings to average equity (ytd only) | 0.4048% | 5,575 |
| Net charge-offs to loans | 0.4481% | 909 |
| Credit loss provision to net charge-offs | 57.3248% | 2,679 |
| Earnings coverage of net charge-offs (x) | 2.7197% | 3,482 |
| Efficiency ratio | 84.4671% | 1,449 |
| Assets per employee ($millions) | 2.8915% | 5,896 |
| Cash dividends to net income (ytd only)* | 93.7500% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 3,089 |
| Loan loss allowance to noncurrent loans | 49.6205% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 2.9697% | 860 |
| Noncurrent loans to loans | 2.9325% | 1,011 |
| Net loans and leases to total assets | 64.4694% | 3,005 |
| Net loans and leases to deposits | 71.3177% | 3,668 |
| Net loans and leases to core deposits | 74.2425% | 3,815 |
| Total domestic deposits to total assets | 90.3974% | 622 |
| Equity capital to assets | 9.3605% | 4,897 |
| Core capital (leverage) ratio | 9.8623% | 3,794 |
| Tier 1 risk-based capital ratio | 13.5441% | 4,553 |
| Total risk-based capital ratio | 14.7949% | 4,492 |
| Memoranda: | ||
| Average total assets | $109,867,000 | 4,448 |
| Average earning assets | $102,091,000 | 4,410 |
| Average equity | $9,882,330 | 4,831 |
| Average total loans | $70,072,670 | 4,232 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 1,320 |
| Cost of funding earning assets | 0.3681% | 4,341 |
| Net interest margin | 4.3039% | 988 |
| Noninterest income to average assets | 0.6626% | 2,386 |
| Noninterest expense to average assets | 4.2235% | 589 |
| Loan and lease loss provision to assets | 0.1638% | 1,485 |
| Net operating income to assets | 0.2767% | 5,578 |
| Return on assets (ROA) | 0.2148% | 5,812 |
| Pretax return on assets | 0.2148% | 5,898 |
| Return on Equity (ROE) | 2.4378% | 5,654 |
| Retained earnings to average equity (ytd only) | -9.9576% | 6,358 |
| Net charge-offs to loans | 0.1214% | 1,992 |
| Credit loss provision to net charge-offs | 214.2857% | 985 |
| Earnings coverage of net charge-offs (x) | 5.7619% | 2,335 |
| Efficiency ratio | 90.5543% | 984 |
| Assets per employee ($millions) | 3.0137% | 5,837 |
| Cash dividends to net income (ytd only)* | 508.4746% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 2,624 |
| Loan loss allowance to noncurrent loans | 51.2844% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 2.8061% | 1,060 |
| Noncurrent loans to loans | 3.1515% | 984 |
| Net loans and leases to total assets | 62.1252% | 3,219 |
| Net loans and leases to deposits | 68.3924% | 3,819 |
| Net loans and leases to core deposits | 70.9578% | 3,988 |
| Total domestic deposits to total assets | 90.8364% | 631 |
| Equity capital to assets | 8.7447% | 5,402 |
| Core capital (leverage) ratio | 9.6027% | 4,128 |
| Tier 1 risk-based capital ratio | 13.6127% | 4,598 |
| Total risk-based capital ratio | 14.8658% | 4,550 |
| Memoranda: | ||
| Average total assets | $109,862,000 | 4,490 |
| Average earning assets | $102,139,000 | 4,444 |
| Average equity | $9,681,000 | 4,893 |
| Average total loans | $69,167,500 | 4,295 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8847% | 1,121 |
| Cost of funding earning assets | 0.4105% | 4,535 |
| Net interest margin | 4.4743% | 779 |
| Noninterest income to average assets | 0.5285% | 3,562 |
| Noninterest expense to average assets | 4.1125% | 765 |
| Loan and lease loss provision to assets | 0.0839% | 3,436 |
| Net operating income to assets | 0.5080% | 4,701 |
| Return on assets (ROA) | 0.5546% | 4,608 |
| Pretax return on assets | 0.5546% | 5,031 |
| Return on Equity (ROE) | 5.9942% | 4,088 |
| Retained earnings to average equity (ytd only) | 0.9571% | 5,410 |
| Net charge-offs to loans | 0.4773% | 1,395 |
| Credit loss provision to net charge-offs | 29.0323% | 4,271 |
| Earnings coverage of net charge-offs (x) | 2.0484% | 4,367 |
| Efficiency ratio | 87.4183% | 1,280 |
| Assets per employee ($millions) | 2.9248% | 5,952 |
| Cash dividends to net income (ytd only)* | 84.0336% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 2,610 |
| Loan loss allowance to noncurrent loans | 86.7601% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 2.0274% | 1,771 |
| Noncurrent loans to loans | 1.8904% | 2,127 |
| Net loans and leases to total assets | 61.7361% | 3,405 |
| Net loans and leases to deposits | 67.8457% | 4,078 |
| Net loans and leases to core deposits | 70.1694% | 4,275 |
| Total domestic deposits to total assets | 90.9949% | 573 |
| Equity capital to assets | 8.8812% | 5,169 |
| Core capital (leverage) ratio | 9.9684% | 3,618 |
| Tier 1 risk-based capital ratio | 14.6952% | 3,844 |
| Total risk-based capital ratio | 15.9481% | 3,783 |
| Memoranda: | ||
| Average total assets | $107,282,200 | 4,563 |
| Average earning assets | $100,128,200 | 4,515 |
| Average equity | $9,926,200 | 4,863 |
| Average total loans | $64,948,000 | 4,441 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7770% | 1,397 |
| Cost of funding earning assets | 0.4204% | 4,609 |
| Net interest margin | 4.3566% | 974 |
| Noninterest income to average assets | 0.4858% | 3,895 |
| Noninterest expense to average assets | 4.1177% | 753 |
| Loan and lease loss provision to assets | 0.0498% | 4,018 |
| Net operating income to assets | 0.3836% | 5,308 |
| Return on assets (ROA) | 0.4521% | 5,152 |
| Pretax return on assets | 0.4521% | 5,493 |
| Return on Equity (ROE) | 4.8375% | 4,808 |
| Retained earnings to average equity (ytd only) | -1.8257% | 6,245 |
| Net charge-offs to loans | 0.0935% | 3,632 |
| Credit loss provision to net charge-offs | 88.8889% | 2,657 |
| Earnings coverage of net charge-offs (x) | 7.7332% | 2,746 |
| Efficiency ratio | 90.4762% | 956 |
| Assets per employee ($millions) | 2.8218% | 6,122 |
| Cash dividends to net income (ytd only)* | 137.7404% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0099% | 1,696 |
| Loan loss allowance to noncurrent loans | 80.3874% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 2.3921% | 1,629 |
| Noncurrent loans to loans | 2.5002% | 1,732 |
| Net loans and leases to total assets | 60.3822% | 3,637 |
| Net loans and leases to deposits | 66.5748% | 4,231 |
| Net loans and leases to core deposits | 68.8370% | 4,449 |
| Total domestic deposits to total assets | 90.6982% | 656 |
| Equity capital to assets | 8.9651% | 5,228 |
| Core capital (leverage) ratio | 9.7651% | 4,010 |
| Tier 1 risk-based capital ratio | 14.3638% | 4,172 |
| Total risk-based capital ratio | 15.6209% | 4,119 |
| Memoranda: | ||
| Average total assets | $107,048,500 | 4,615 |
| Average earning assets | $99,893,000 | 4,563 |
| Average equity | $10,005,000 | 4,901 |
| Average total loans | $64,204,250 | 4,523 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7908% | 1,345 |
| Cost of funding earning assets | 0.4264% | 4,691 |
| Net interest margin | 4.3645% | 910 |
| Noninterest income to average assets | 0.2785% | 5,462 |
| Noninterest expense to average assets | 4.0471% | 822 |
| Loan and lease loss provision to assets | 0.0748% | 3,548 |
| Net operating income to assets | 0.2131% | 5,856 |
| Return on assets (ROA) | 0.2916% | 5,773 |
| Pretax return on assets | 0.2916% | 5,899 |
| Return on Equity (ROE) | 3.0782% | 5,593 |
| Retained earnings to average equity (ytd only) | -6.7879% | 6,554 |
| Net charge-offs to loans | 0.1447% | 2,943 |
| Credit loss provision to net charge-offs | 86.9565% | 2,499 |
| Earnings coverage of net charge-offs (x) | 3.3478% | 3,421 |
| Efficiency ratio | 93.3592% | 794 |
| Assets per employee ($millions) | 2.9261% | 5,979 |
| Cash dividends to net income (ytd only)* | 320.5128% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0515% | 1,739 |
| Loan loss allowance to noncurrent loans | 72.0804% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 3.1792% | 1,252 |
| Noncurrent loans to loans | 2.8462% | 1,590 |
| Net loans and leases to total assets | 58.5188% | 3,900 |
| Net loans and leases to deposits | 64.1391% | 4,483 |
| Net loans and leases to core deposits | 66.3025% | 4,661 |
| Total domestic deposits to total assets | 91.2373% | 466 |
| Equity capital to assets | 8.5373% | 5,732 |
| Core capital (leverage) ratio | 9.4797% | 4,280 |
| Tier 1 risk-based capital ratio | 14.4067% | 4,156 |
| Total risk-based capital ratio | 15.6635% | 4,115 |
| Memoranda: | ||
| Average total assets | $106,989,000 | 4,643 |
| Average earning assets | $99,439,670 | 4,602 |
| Average equity | $10,135,670 | 4,907 |
| Average total loans | $63,581,000 | 4,556 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 1,669 |
| Cost of funding earning assets | 0.4313% | 4,791 |
| Net interest margin | 4.2202% | 1,140 |
| Noninterest income to average assets | -0.1617% | 6,943 |
| Noninterest expense to average assets | 3.9943% | 891 |
| Loan and lease loss provision to assets | 0.1504% | 2,361 |
| Net operating income to assets | -0.3686% | 6,613 |
| Return on assets (ROA) | -0.2595% | 6,585 |
| Pretax return on assets | -0.2595% | 6,576 |
| Return on Equity (ROE) | -2.6082% | 6,588 |
| Retained earnings to average equity (ytd only) | -21.5082% | 6,846 |
| Net charge-offs to loans | 0.2729% | 1,865 |
| Credit loss provision to net charge-offs | 93.0233% | 1,970 |
| Earnings coverage of net charge-offs (x) | -1.3488% | 3,983 |
| Efficiency ratio | 105.7769% | 400 |
| Assets per employee ($millions) | 3.0874% | 5,846 |
| Cash dividends to net income (ytd only)* | -724.6377% | 7,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1044% | 1,783 |
| Loan loss allowance to noncurrent loans | 63.0930% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 3.1520% | 1,391 |
| Noncurrent loans to loans | 3.3354% | 1,452 |
| Net loans and leases to total assets | 57.2572% | 3,878 |
| Net loans and leases to deposits | 63.6841% | 4,354 |
| Net loans and leases to core deposits | 65.8693% | 4,551 |
| Total domestic deposits to total assets | 89.9082% | 1,110 |
| Equity capital to assets | 9.4708% | 4,886 |
| Core capital (leverage) ratio | 9.4016% | 4,236 |
| Tier 1 risk-based capital ratio | 14.6232% | 4,088 |
| Total risk-based capital ratio | 15.8810% | 4,045 |
| Memoranda: | ||
| Average total assets | $106,350,500 | 4,706 |
| Average earning assets | $99,238,000 | 4,650 |
| Average equity | $10,582,000 | 4,866 |
| Average total loans | $63,030,000 | 4,600 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8182% | 2,125 |
| Cost of funding earning assets | 0.5453% | 4,857 |
| Net interest margin | 4.2730% | 1,464 |
| Noninterest income to average assets | 0.7748% | 2,368 |
| Noninterest expense to average assets | 3.8384% | 1,191 |
| Loan and lease loss provision to assets | 0.3201% | 2,131 |
| Net operating income to assets | 0.5338% | 4,549 |
| Return on assets (ROA) | 0.7485% | 3,760 |
| Pretax return on assets | 0.7485% | 4,478 |
| Return on Equity (ROE) | 7.4915% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.1052% | 1,521 |
| Net charge-offs to loans | 0.2093% | 3,711 |
| Credit loss provision to net charge-offs | 255.6391% | 940 |
| Earnings coverage of net charge-offs (x) | 6.8195% | 2,729 |
| Efficiency ratio | 81.8018% | 1,895 |
| Assets per employee ($millions) | 2.8282% | 6,271 |
| Cash dividends to net income (ytd only)* | 5.1572% | 4,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1206% | 1,712 |
| Loan loss allowance to noncurrent loans | 72.0151% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 3.4336% | 1,328 |
| Noncurrent loans to loans | 2.9447% | 1,776 |
| Net loans and leases to total assets | 58.7961% | 3,840 |
| Net loans and leases to deposits | 65.7203% | 4,328 |
| Net loans and leases to core deposits | 68.0635% | 4,524 |
| Total domestic deposits to total assets | 89.4642% | 1,269 |
| Equity capital to assets | 10.4450% | 3,592 |
| Core capital (leverage) ratio | 10.0807% | 3,298 |
| Tier 1 risk-based capital ratio | 15.7367% | 3,299 |
| Total risk-based capital ratio | 16.9960% | 3,251 |
| Memoranda: | ||
| Average total assets | $106,217,000 | 4,671 |
| Average earning assets | $97,380,000 | 4,657 |
| Average equity | $10,612,000 | 4,841 |
| Average total loans | $63,541,000 | 4,581 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7970% | 2,402 |
| Cost of funding earning assets | 0.5697% | 4,913 |
| Net interest margin | 4.2272% | 1,653 |
| Noninterest income to average assets | 0.7992% | 2,245 |
| Noninterest expense to average assets | 3.7982% | 1,210 |
| Loan and lease loss provision to assets | 0.3502% | 1,860 |
| Net operating income to assets | 0.5203% | 4,762 |
| Return on assets (ROA) | 0.7541% | 3,925 |
| Pretax return on assets | 0.7541% | 4,662 |
| Return on Equity (ROE) | 7.6333% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.1143% | 2,052 |
| Net charge-offs to loans | 0.1046% | 4,347 |
| Credit loss provision to net charge-offs | 560.0000% | 476 |
| Earnings coverage of net charge-offs (x) | 13.9190% | 1,877 |
| Efficiency ratio | 81.3555% | 1,894 |
| Assets per employee ($millions) | 2.9375% | 6,154 |
| Cash dividends to net income (ytd only)* | 6.7999% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1640% | 1,777 |
| Loan loss allowance to noncurrent loans | 68.0723% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 3.4208% | 1,474 |
| Noncurrent loans to loans | 3.1789% | 1,737 |
| Net loans and leases to total assets | 56.4059% | 4,385 |
| Net loans and leases to deposits | 62.9623% | 4,845 |
| Net loans and leases to core deposits | 65.7286% | 4,984 |
| Total domestic deposits to total assets | 89.5868% | 1,079 |
| Equity capital to assets | 10.1215% | 4,323 |
| Core capital (leverage) ratio | 9.5958% | 4,122 |
| Tier 1 risk-based capital ratio | 15.6563% | 3,451 |
| Total risk-based capital ratio | 16.9157% | 3,412 |
| Memoranda: | ||
| Average total assets | $106,610,500 | 4,717 |
| Average earning assets | $97,587,000 | 4,702 |
| Average equity | $10,532,500 | 4,906 |
| Average total loans | $63,711,500 | 4,629 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 2,877 |
| Cost of funding earning assets | 0.5845% | 5,030 |
| Net interest margin | 4.1244% | 1,993 |
| Noninterest income to average assets | 0.8610% | 1,925 |
| Noninterest expense to average assets | 3.7860% | 1,238 |
| Loan and lease loss provision to assets | 0.3965% | 1,658 |
| Net operating income to assets | 0.4891% | 4,868 |
| Return on assets (ROA) | 0.6024% | 4,611 |
| Pretax return on assets | 0.6024% | 5,123 |
| Return on Equity (ROE) | 6.1486% | 4,244 |
| Retained earnings to average equity (ytd only) | 6.1486% | 2,609 |
| Net charge-offs to loans | 0.0781% | 4,366 |
| Credit loss provision to net charge-offs | 840.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 18.7600% | 1,470 |
| Efficiency ratio | 81.0428% | 2,022 |
| Assets per employee ($millions) | 2.9032% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9941% | 2,248 |
| Loan loss allowance to noncurrent loans | 51.3715% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 3.3449% | 1,609 |
| Noncurrent loans to loans | 3.8818% | 1,435 |
| Net loans and leases to total assets | 59.9831% | 3,823 |
| Net loans and leases to deposits | 66.7205% | 4,411 |
| Net loans and leases to core deposits | 69.5029% | 4,593 |
| Total domestic deposits to total assets | 89.9020% | 978 |
| Equity capital to assets | 9.8867% | 4,504 |
| Core capital (leverage) ratio | 9.5452% | 4,083 |
| Tier 1 risk-based capital ratio | 14.8591% | 3,857 |
| Total risk-based capital ratio | 16.1175% | 3,810 |
| Memoranda: | ||
| Average total assets | $105,917,670 | 4,755 |
| Average earning assets | $97,857,670 | 4,715 |
| Average equity | $10,376,330 | 4,945 |
| Average total loans | $64,061,000 | 4,635 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6549% | 3,239 |
| Cost of funding earning assets | 0.6242% | 4,937 |
| Net interest margin | 4.0307% | 2,368 |
| Noninterest income to average assets | 1.0003% | 1,424 |
| Noninterest expense to average assets | 3.7312% | 1,330 |
| Loan and lease loss provision to assets | 0.3994% | 1,583 |
| Net operating income to assets | 0.5781% | 4,451 |
| Return on assets (ROA) | 0.5781% | 4,675 |
| Pretax return on assets | 0.5781% | 5,193 |
| Return on Equity (ROE) | 5.9291% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.9291% | 3,000 |
| Net charge-offs to loans | 0.1582% | 3,145 |
| Credit loss provision to net charge-offs | 420.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 10.2800% | 1,769 |
| Efficiency ratio | 79.2407% | 2,310 |
| Assets per employee ($millions) | 2.9254% | 6,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8631% | 2,796 |
| Loan loss allowance to noncurrent loans | 45.5438% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 3.6035% | 1,577 |
| Noncurrent loans to loans | 4.0908% | 1,483 |
| Net loans and leases to total assets | 60.3190% | 3,592 |
| Net loans and leases to deposits | 67.0512% | 4,223 |
| Net loans and leases to core deposits | 69.6546% | 4,468 |
| Total domestic deposits to total assets | 89.9596% | 1,110 |
| Equity capital to assets | 9.8362% | 4,324 |
| Core capital (leverage) ratio | 9.4899% | 4,064 |
| Tier 1 risk-based capital ratio | 15.0075% | 3,757 |
| Total risk-based capital ratio | 16.2638% | 3,712 |
| Memoranda: | ||
| Average total assets | $105,168,000 | 4,806 |
| Average earning assets | $96,757,500 | 4,780 |
| Average equity | $10,254,500 | 4,986 |
| Average total loans | $63,220,000 | 4,688 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8710% | 3,492 |
| Cost of funding earning assets | 0.9388% | 3,795 |
| Net interest margin | 3.9322% | 3,194 |
| Noninterest income to average assets | 0.5589% | 3,437 |
| Noninterest expense to average assets | 3.5613% | 1,829 |
| Loan and lease loss provision to assets | 0.5738% | 1,808 |
| Net operating income to assets | -0.0373% | 6,091 |
| Return on assets (ROA) | 0.0773% | 6,024 |
| Pretax return on assets | 0.0773% | 6,005 |
| Return on Equity (ROE) | 0.8334% | 5,996 |
| Retained earnings to average equity (ytd only) | -0.5121% | 5,935 |
| Net charge-offs to loans | 1.9604% | 713 |
| Credit loss provision to net charge-offs | 51.1628% | 5,396 |
| Earnings coverage of net charge-offs (x) | 0.4784% | 5,469 |
| Efficiency ratio | 86.9061% | 1,453 |
| Assets per employee ($millions) | 3.0889% | 5,918 |
| Cash dividends to net income (ytd only)* | 161.4458% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8247% | 2,791 |
| Loan loss allowance to noncurrent loans | 45.8469% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 3.5612% | 1,660 |
| Noncurrent loans to loans | 3.9800% | 1,568 |
| Net loans and leases to total assets | 57.6866% | 4,430 |
| Net loans and leases to deposits | 63.9777% | 5,009 |
| Net loans and leases to core deposits | 66.6993% | 5,186 |
| Total domestic deposits to total assets | 90.1667% | 898 |
| Equity capital to assets | 9.6647% | 4,652 |
| Core capital (leverage) ratio | 9.5519% | 3,943 |
| Tier 1 risk-based capital ratio | 15.6042% | 3,264 |
| Total risk-based capital ratio | 16.8612% | 3,217 |
| Memoranda: | ||
| Average total assets | $107,347,400 | 4,697 |
| Average earning assets | $96,611,800 | 4,727 |
| Average equity | $9,959,000 | 5,033 |
| Average total loans | $61,417,200 | 4,814 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 3,403 |
| Cost of funding earning assets | 0.9873% | 3,772 |
| Net interest margin | 3.9479% | 3,164 |
| Noninterest income to average assets | 0.5250% | 3,698 |
| Noninterest expense to average assets | 3.5590% | 1,795 |
| Loan and lease loss provision to assets | 0.6214% | 1,579 |
| Net operating income to assets | -0.1038% | 6,288 |
| Return on assets (ROA) | -0.0111% | 6,275 |
| Pretax return on assets | -0.0111% | 6,243 |
| Return on Equity (ROE) | -0.1211% | 6,281 |
| Retained earnings to average equity (ytd only) | -0.1211% | 5,996 |
| Net charge-offs to loans | 2.2278% | 552 |
| Credit loss provision to net charge-offs | 49.0732% | 5,051 |
| Earnings coverage of net charge-offs (x) | 0.4088% | 5,313 |
| Efficiency ratio | 87.3030% | 1,410 |
| Assets per employee ($millions) | 2.9345% | 6,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9557% | 2,457 |
| Loan loss allowance to noncurrent loans | 52.5342% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 3.7632% | 1,655 |
| Noncurrent loans to loans | 3.7228% | 1,828 |
| Net loans and leases to total assets | 58.1826% | 4,482 |
| Net loans and leases to deposits | 65.0055% | 5,045 |
| Net loans and leases to core deposits | 67.8571% | 5,194 |
| Total domestic deposits to total assets | 89.5040% | 1,141 |
| Equity capital to assets | 10.0569% | 4,267 |
| Core capital (leverage) ratio | 9.4726% | 4,194 |
| Tier 1 risk-based capital ratio | 15.8774% | 3,176 |
| Total risk-based capital ratio | 17.1350% | 3,129 |
| Memoranda: | ||
| Average total assets | $107,929,000 | 4,717 |
| Average earning assets | $97,096,500 | 4,739 |
| Average equity | $9,911,250 | 5,058 |
| Average total loans | $61,344,250 | 4,857 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 3,274 |
| Cost of funding earning assets | 1.0354% | 3,700 |
| Net interest margin | 3.9418% | 3,116 |
| Noninterest income to average assets | 0.4577% | 4,220 |
| Noninterest expense to average assets | 3.4941% | 1,995 |
| Loan and lease loss provision to assets | 0.9173% | 976 |
| Net operating income to assets | -0.4267% | 6,638 |
| Return on assets (ROA) | -0.4194% | 6,652 |
| Pretax return on assets | -0.4194% | 6,601 |
| Return on Equity (ROE) | -4.7073% | 6,691 |
| Retained earnings to average equity (ytd only) | -4.7073% | 6,539 |
| Net charge-offs to loans | 3.1687% | 311 |
| Credit loss provision to net charge-offs | 51.6427% | 4,542 |
| Earnings coverage of net charge-offs (x) | 0.2762% | 5,104 |
| Efficiency ratio | 87.6888% | 1,449 |
| Assets per employee ($millions) | 2.9379% | 6,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0256% | 2,298 |
| Loan loss allowance to noncurrent loans | 62.3683% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 3.3120% | 2,010 |
| Noncurrent loans to loans | 3.2478% | 2,196 |
| Net loans and leases to total assets | 56.8444% | 4,842 |
| Net loans and leases to deposits | 63.0183% | 5,390 |
| Net loans and leases to core deposits | 65.8301% | 5,537 |
| Total domestic deposits to total assets | 90.2029% | 863 |
| Equity capital to assets | 9.4662% | 4,863 |
| Core capital (leverage) ratio | 9.0275% | 4,676 |
| Tier 1 risk-based capital ratio | 15.3210% | 3,338 |
| Total risk-based capital ratio | 16.5794% | 3,283 |
| Memoranda: | ||
| Average total assets | $109,670,000 | 4,707 |
| Average earning assets | $98,127,000 | 4,753 |
| Average equity | $9,772,000 | 5,105 |
| Average total loans | $61,476,000 | 4,891 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9719% | 3,241 |
| Cost of funding earning assets | 1.0926% | 3,573 |
| Net interest margin | 3.8793% | 3,243 |
| Noninterest income to average assets | 0.2186% | 6,167 |
| Noninterest expense to average assets | 3.4473% | 2,147 |
| Loan and lease loss provision to assets | 1.8025% | 321 |
| Net operating income to assets | -1.6341% | 7,229 |
| Return on assets (ROA) | -1.6341% | 7,232 |
| Pretax return on assets | -1.6341% | 7,202 |
| Return on Equity (ROE) | -18.8976% | 7,205 |
| Retained earnings to average equity (ytd only) | -18.8976% | 7,135 |
| Net charge-offs to loans | 6.3317% | 99 |
| Credit loss provision to net charge-offs | 51.6427% | 3,718 |
| Earnings coverage of net charge-offs (x) | 0.0483% | 4,552 |
| Efficiency ratio | 95.3419% | 961 |
| Assets per employee ($millions) | 2.9597% | 6,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0347% | 2,321 |
| Loan loss allowance to noncurrent loans | 71.5354% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 3.1066% | 2,221 |
| Noncurrent loans to loans | 2.8444% | 2,653 |
| Net loans and leases to total assets | 56.2126% | 4,963 |
| Net loans and leases to deposits | 61.9354% | 5,505 |
| Net loans and leases to core deposits | 64.1421% | 5,709 |
| Total domestic deposits to total assets | 90.7601% | 732 |
| Equity capital to assets | 8.9067% | 5,335 |
| Core capital (leverage) ratio | 8.8803% | 4,806 |
| Tier 1 risk-based capital ratio | 14.8603% | 3,498 |
| Total risk-based capital ratio | 16.1192% | 3,458 |
| Memoranda: | ||
| Average total assets | $111,622,000 | 4,696 |
| Average earning assets | $97,749,500 | 4,793 |
| Average equity | $9,652,000 | 5,132 |
| Average total loans | $61,531,500 | 4,928 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 3,476 |
| Cost of funding earning assets | 1.3648% | 3,486 |
| Net interest margin | 3.8628% | 3,677 |
| Noninterest income to average assets | 1.0088% | 1,474 |
| Noninterest expense to average assets | 3.5016% | 2,172 |
| Loan and lease loss provision to assets | 0.8839% | 1,851 |
| Net operating income to assets | 0.0653% | 5,664 |
| Return on assets (ROA) | 0.1685% | 5,538 |
| Pretax return on assets | 0.1685% | 5,559 |
| Return on Equity (ROE) | 1.8782% | 5,431 |
| Retained earnings to average equity (ytd only) | 1.8782% | 4,548 |
| Net charge-offs to loans | 0.9873% | 2,208 |
| Credit loss provision to net charge-offs | 144.1358% | 2,582 |
| Earnings coverage of net charge-offs (x) | 1.5478% | 4,582 |
| Efficiency ratio | 78.6732% | 2,583 |
| Assets per employee ($millions) | 3.2415% | 5,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7679% | 1,094 |
| Loan loss allowance to noncurrent loans | 91.0250% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 3.1904% | 2,221 |
| Noncurrent loans to loans | 3.0408% | 2,511 |
| Net loans and leases to total assets | 51.5969% | 5,971 |
| Net loans and leases to deposits | 56.5563% | 6,396 |
| Net loans and leases to core deposits | 58.5260% | 6,519 |
| Total domestic deposits to total assets | 91.2310% | 491 |
| Equity capital to assets | 8.4100% | 5,980 |
| Core capital (leverage) ratio | 9.4789% | 3,730 |
| Tier 1 risk-based capital ratio | 14.6695% | 3,439 |
| Total risk-based capital ratio | 15.9349% | 3,394 |
| Memoranda: | ||
| Average total assets | $105,665,200 | 4,828 |
| Average earning assets | $94,153,600 | 4,888 |
| Average equity | $9,477,200 | 5,272 |
| Average total loans | $65,635,800 | 4,838 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2652% | 3,510 |
| Cost of funding earning assets | 1.3982% | 3,597 |
| Net interest margin | 3.8670% | 3,671 |
| Noninterest income to average assets | 1.0987% | 1,170 |
| Noninterest expense to average assets | 3.5669% | 1,860 |
| Loan and lease loss provision to assets | 0.6400% | 2,389 |
| Net operating income to assets | 0.4107% | 4,702 |
| Return on assets (ROA) | 0.5519% | 4,254 |
| Pretax return on assets | 0.5519% | 4,755 |
| Return on Equity (ROE) | 6.0469% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.0469% | 2,328 |
| Net charge-offs to loans | 0.2284% | 4,564 |
| Credit loss provision to net charge-offs | 433.3333% | 698 |
| Earnings coverage of net charge-offs (x) | 7.1139% | 2,384 |
| Efficiency ratio | 77.2447% | 2,732 |
| Assets per employee ($millions) | 2.8530% | 6,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7869% | 1,013 |
| Loan loss allowance to noncurrent loans | 121.7508% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 2.5101% | 2,860 |
| Noncurrent loans to loans | 2.2891% | 3,346 |
| Net loans and leases to total assets | 61.4038% | 4,650 |
| Net loans and leases to deposits | 68.2193% | 5,390 |
| Net loans and leases to core deposits | 70.9667% | 5,646 |
| Total domestic deposits to total assets | 90.0094% | 877 |
| Equity capital to assets | 9.5826% | 4,726 |
| Core capital (leverage) ratio | 9.2042% | 4,364 |
| Tier 1 risk-based capital ratio | 14.3547% | 3,593 |
| Total risk-based capital ratio | 15.6232% | 3,550 |
| Memoranda: | ||
| Average total assets | $102,907,750 | 4,967 |
| Average earning assets | $93,644,750 | 4,963 |
| Average equity | $9,393,000 | 5,380 |
| Average total loans | $66,563,500 | 4,881 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3054% | 3,446 |
| Cost of funding earning assets | 1.4122% | 3,799 |
| Net interest margin | 3.8932% | 3,480 |
| Noninterest income to average assets | 1.2255% | 861 |
| Noninterest expense to average assets | 3.5504% | 1,910 |
| Loan and lease loss provision to assets | 0.8429% | 1,726 |
| Net operating income to assets | 0.3554% | 4,949 |
| Return on assets (ROA) | 0.5671% | 4,157 |
| Pretax return on assets | 0.5671% | 4,682 |
| Return on Equity (ROE) | 6.3181% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.3181% | 2,156 |
| Net charge-offs to loans | 0.2622% | 4,030 |
| Credit loss provision to net charge-offs | 493.1818% | 754 |
| Earnings coverage of net charge-offs (x) | 7.0114% | 2,373 |
| Efficiency ratio | 74.7648% | 3,311 |
| Assets per employee ($millions) | 2.8819% | 6,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7168% | 1,073 |
| Loan loss allowance to noncurrent loans | 96.5724% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 2.5856% | 2,810 |
| Noncurrent loans to loans | 2.8132% | 2,843 |
| Net loans and leases to total assets | 59.6080% | 5,139 |
| Net loans and leases to deposits | 65.7345% | 5,839 |
| Net loans and leases to core deposits | 68.5882% | 6,010 |
| Total domestic deposits to total assets | 90.6799% | 611 |
| Equity capital to assets | 8.9843% | 5,474 |
| Core capital (leverage) ratio | 8.9800% | 4,634 |
| Tier 1 risk-based capital ratio | 13.6765% | 3,957 |
| Total risk-based capital ratio | 14.9430% | 3,905 |
| Memoranda: | ||
| Average total assets | $102,974,670 | 4,993 |
| Average earning assets | $93,188,670 | 5,013 |
| Average equity | $9,243,330 | 5,436 |
| Average total loans | $67,126,670 | 4,896 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3695% | 3,194 |
| Cost of funding earning assets | 1.4304% | 3,990 |
| Net interest margin | 3.9391% | 3,155 |
| Noninterest income to average assets | 1.6926% | 444 |
| Noninterest expense to average assets | 3.6264% | 1,675 |
| Loan and lease loss provision to assets | 1.4790% | 792 |
| Net operating income to assets | 0.1700% | 5,787 |
| Return on assets (ROA) | 0.1819% | 5,874 |
| Pretax return on assets | 0.1819% | 5,938 |
| Return on Equity (ROE) | 2.0275% | 5,753 |
| Retained earnings to average equity (ytd only) | 2.0275% | 4,915 |
| Net charge-offs to loans | 0.5234% | 2,498 |
| Credit loss provision to net charge-offs | 420.2247% | 984 |
| Earnings coverage of net charge-offs (x) | 4.6854% | 2,571 |
| Efficiency ratio | 68.7406% | 4,563 |
| Assets per employee ($millions) | 2.8597% | 6,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5624% | 1,218 |
| Loan loss allowance to noncurrent loans | 78.4341% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 2.8451% | 2,542 |
| Noncurrent loans to loans | 3.2670% | 2,443 |
| Net loans and leases to total assets | 63.2727% | 4,473 |
| Net loans and leases to deposits | 69.7573% | 5,376 |
| Net loans and leases to core deposits | 73.2612% | 5,583 |
| Total domestic deposits to total assets | 90.7040% | 651 |
| Equity capital to assets | 8.9453% | 5,357 |
| Core capital (leverage) ratio | 8.9968% | 4,578 |
| Tier 1 risk-based capital ratio | 13.5446% | 3,958 |
| Total risk-based capital ratio | 14.8104% | 3,914 |
| Memoranda: | ||
| Average total assets | $101,147,000 | 5,114 |
| Average earning assets | $92,000,500 | 5,103 |
| Average equity | $9,075,000 | 5,522 |
| Average total loans | $68,022,500 | 4,935 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8117% | 2,606 |
| Cost of funding earning assets | 1.5762% | 5,147 |
| Net interest margin | 4.2355% | 1,956 |
| Noninterest income to average assets | 0.9479% | 1,757 |
| Noninterest expense to average assets | 5.0434% | 504 |
| Loan and lease loss provision to assets | 2.2450% | 922 |
| Net operating income to assets | -2.5036% | 7,271 |
| Return on assets (ROA) | -2.3325% | 7,213 |
| Pretax return on assets | -2.3325% | 7,079 |
| Return on Equity (ROE) | -23.8448% | 7,260 |
| Retained earnings to average equity (ytd only) | -23.8962% | 7,234 |
| Net charge-offs to loans | 2.4305% | 943 |
| Credit loss provision to net charge-offs | 132.7976% | 3,767 |
| Earnings coverage of net charge-offs (x) | -0.1530% | 6,393 |
| Efficiency ratio | 105.4048% | 920 |
| Assets per employee ($millions) | 2.6850% | 6,880 |
| Cash dividends to net income (ytd only)* | -0.2157% | 7,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0638% | 1,879 |
| Loan loss allowance to noncurrent loans | 73.6462% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 2.9000% | 2,420 |
| Noncurrent loans to loans | 2.8023% | 2,757 |
| Net loans and leases to total assets | 68.2121% | 3,657 |
| Net loans and leases to deposits | 75.2329% | 4,847 |
| Net loans and leases to core deposits | 96.9124% | 4,362 |
| Total domestic deposits to total assets | 90.6680% | 672 |
| Equity capital to assets | 8.9999% | 5,149 |
| Core capital (leverage) ratio | 9.2587% | 4,040 |
| Tier 1 risk-based capital ratio | 12.8101% | 4,278 |
| Total risk-based capital ratio | 14.0697% | 4,219 |
| Memoranda: | ||
| Average total assets | $99,376,600 | 5,100 |
| Average earning assets | $90,024,600 | 5,117 |
| Average equity | $9,721,200 | 5,373 |
| Average total loans | $69,120,200 | 4,896 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7919% | 2,929 |
| Cost of funding earning assets | 1.5824% | 5,481 |
| Net interest margin | 4.2095% | 2,020 |
| Noninterest income to average assets | 0.9565% | 1,758 |
| Noninterest expense to average assets | 5.2442% | 414 |
| Loan and lease loss provision to assets | 1.9869% | 915 |
| Net operating income to assets | -2.4416% | 7,455 |
| Return on assets (ROA) | -2.2136% | 7,380 |
| Pretax return on assets | -2.2136% | 7,256 |
| Return on Equity (ROE) | -22.1853% | 7,449 |
| Retained earnings to average equity (ytd only) | -22.2525% | 7,420 |
| Net charge-offs to loans | 2.6588% | 679 |
| Credit loss provision to net charge-offs | 107.4746% | 4,730 |
| Earnings coverage of net charge-offs (x) | -0.2460% | 6,320 |
| Efficiency ratio | 109.4958% | 772 |
| Assets per employee ($millions) | 2.6301% | 6,988 |
| Cash dividends to net income (ytd only)* | -0.3032% | 7,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 3,806 |
| Loan loss allowance to noncurrent loans | 42.2961% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 3.6562% | 1,790 |
| Noncurrent loans to loans | 3.3703% | 2,238 |
| Net loans and leases to total assets | 69.6385% | 3,593 |
| Net loans and leases to deposits | 77.2373% | 4,855 |
| Net loans and leases to core deposits | 100.2426% | 4,347 |
| Total domestic deposits to total assets | 90.1617% | 708 |
| Equity capital to assets | 9.3224% | 4,998 |
| Core capital (leverage) ratio | 9.1629% | 4,397 |
| Tier 1 risk-based capital ratio | 12.8770% | 4,279 |
| Total risk-based capital ratio | 14.1294% | 4,215 |
| Memoranda: | ||
| Average total assets | $99,384,250 | 5,138 |
| Average earning assets | $90,492,250 | 5,147 |
| Average equity | $9,916,250 | 5,356 |
| Average total loans | $69,101,750 | 4,947 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7766% | 3,153 |
| Cost of funding earning assets | 1.5842% | 5,796 |
| Net interest margin | 4.1923% | 2,026 |
| Noninterest income to average assets | 0.9733% | 1,681 |
| Noninterest expense to average assets | 5.9396% | 326 |
| Loan and lease loss provision to assets | 2.4682% | 637 |
| Net operating income to assets | -3.6373% | 7,782 |
| Return on assets (ROA) | -3.2975% | 7,725 |
| Pretax return on assets | -3.2975% | 7,631 |
| Return on Equity (ROE) | -32.3603% | 7,747 |
| Retained earnings to average equity (ytd only) | -32.4584% | 7,725 |
| Net charge-offs to loans | 3.1956% | 505 |
| Credit loss provision to net charge-offs | 111.6637% | 4,147 |
| Earnings coverage of net charge-offs (x) | -0.5289% | 6,088 |
| Efficiency ratio | 124.5078% | 597 |
| Assets per employee ($millions) | 2.6760% | 6,885 |
| Cash dividends to net income (ytd only)* | -0.3030% | 7,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 3,515 |
| Loan loss allowance to noncurrent loans | 43.0835% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 3.6097% | 1,713 |
| Noncurrent loans to loans | 3.3452% | 2,106 |
| Net loans and leases to total assets | 69.4825% | 3,823 |
| Net loans and leases to deposits | 76.6957% | 5,066 |
| Net loans and leases to core deposits | 97.0133% | 4,786 |
| Total domestic deposits to total assets | 90.5951% | 594 |
| Equity capital to assets | 8.9716% | 5,354 |
| Core capital (leverage) ratio | 8.9002% | 4,784 |
| Tier 1 risk-based capital ratio | 12.5666% | 4,468 |
| Total risk-based capital ratio | 13.8178% | 4,390 |
| Memoranda: | ||
| Average total assets | $100,074,330 | 5,159 |
| Average earning assets | $90,642,330 | 5,176 |
| Average equity | $10,197,670 | 5,305 |
| Average total loans | $69,219,670 | 4,990 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8493% | 3,038 |
| Cost of funding earning assets | 1.6258% | 5,923 |
| Net interest margin | 4.2235% | 1,826 |
| Noninterest income to average assets | 0.9661% | 1,586 |
| Noninterest expense to average assets | 3.6976% | 1,662 |
| Loan and lease loss provision to assets | 2.3856% | 490 |
| Net operating income to assets | -1.3160% | 7,420 |
| Return on assets (ROA) | -1.1610% | 7,353 |
| Pretax return on assets | -1.1610% | 7,232 |
| Return on Equity (ROE) | -10.7600% | 7,412 |
| Retained earnings to average equity (ytd only) | -10.9443% | 7,201 |
| Net charge-offs to loans | 2.6172% | 516 |
| Credit loss provision to net charge-offs | 133.0377% | 3,039 |
| Earnings coverage of net charge-offs (x) | 0.5965% | 4,518 |
| Efficiency ratio | 77.5646% | 3,248 |
| Assets per employee ($millions) | 2.8386% | 6,555 |
| Cash dividends to net income (ytd only)* | -1.7123% | 8,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 3,162 |
| Loan loss allowance to noncurrent loans | 30.8943% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 4.2539% | 1,168 |
| Noncurrent loans to loans | 4.7450% | 1,171 |
| Net loans and leases to total assets | 67.4857% | 4,246 |
| Net loans and leases to deposits | 75.6854% | 5,261 |
| Net loans and leases to core deposits | 94.2839% | 5,129 |
| Total domestic deposits to total assets | 89.1662% | 1,162 |
| Equity capital to assets | 10.4444% | 3,516 |
| Core capital (leverage) ratio | 10.4742% | 2,961 |
| Tier 1 risk-based capital ratio | 14.0573% | 3,551 |
| Total risk-based capital ratio | 15.3096% | 3,474 |
| Memoranda: | ||
| Average total assets | $100,605,500 | 5,164 |
| Average earning assets | $90,541,000 | 5,203 |
| Average equity | $10,855,000 | 5,147 |
| Average total loans | $68,928,500 | 5,017 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0590% | 5,254 |
| Cost of funding earning assets | 2.1707% | 5,729 |
| Net interest margin | 3.8883% | 3,622 |
| Noninterest income to average assets | 0.8771% | 2,069 |
| Noninterest expense to average assets | 3.5405% | 2,288 |
| Loan and lease loss provision to assets | 1.5108% | 889 |
| Net operating income to assets | -0.6119% | 7,013 |
| Return on assets (ROA) | -0.6119% | 6,906 |
| Pretax return on assets | -0.6119% | 6,743 |
| Return on Equity (ROE) | -5.6486% | 6,927 |
| Retained earnings to average equity (ytd only) | -6.2012% | 6,685 |
| Net charge-offs to loans | 2.8257% | 326 |
| Credit loss provision to net charge-offs | 85.2547% | 5,780 |
| Earnings coverage of net charge-offs (x) | 0.5072% | 5,928 |
| Efficiency ratio | 79.7517% | 2,633 |
| Assets per employee ($millions) | 2.7506% | 6,674 |
| Cash dividends to net income (ytd only)* | -9.7826% | 7,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 3,842 |
| Loan loss allowance to noncurrent loans | 20.3764% | 7,222 |
| Noncurrent assets plus other real estate owned to assets | 5.1241% | 667 |
| Noncurrent loans to loans | 6.3417% | 517 |
| Net loans and leases to total assets | 67.6526% | 4,525 |
| Net loans and leases to deposits | 76.4764% | 5,536 |
| Net loans and leases to core deposits | 96.7184% | 5,177 |
| Total domestic deposits to total assets | 88.4622% | 1,269 |
| Equity capital to assets | 11.1460% | 2,931 |
| Core capital (leverage) ratio | 10.8246% | 2,728 |
| Tier 1 risk-based capital ratio | 14.8812% | 3,110 |
| Total risk-based capital ratio | 16.0993% | 3,039 |
| Memoranda: | ||
| Average total assets | $105,239,000 | 4,895 |
| Average earning assets | $96,418,600 | 4,902 |
| Average equity | $11,401,000 | 5,003 |
| Average total loans | $66,000,400 | 5,018 |