Home > The Greenwood's State Bank > Performance and Condition Ratios
The Greenwood's State 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 | 6.2699% | 453 |
| Cost of funding earning assets | 1.9274% | 1,025 |
| Net interest margin | 4.3425% | 756 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 3.1544% | 870 |
| Loan and lease loss provision to assets | 1.1100% | 60 |
| Net operating income to assets | 0.3177% | 4,000 |
| Return on assets (ROA) | 0.3177% | 4,000 |
| Pretax return on assets | 0.3350% | 4,056 |
| Return on Equity (ROE) | 2.9700% | 4,029 |
| Retained earnings to average equity (ytd only) | -4.9778% | 4,389 |
| Net charge-offs to loans | 0.7996% | 126 |
| Credit loss provision to net charge-offs | 167.5225% | 1,366 |
| Earnings coverage of net charge-offs (x) | 2.1815% | 2,714 |
| Efficiency ratio | 67.8711% | 2,126 |
| Assets per employee ($millions) | 6.0368% | 2,785 |
| Cash dividends to net income (ytd only)* | 267.3797% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9677% | 402 |
| Loan loss allowance to noncurrent loans | 252.7355% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 859 |
| Noncurrent loans to loans | 0.7786% | 999 |
| Net loans and leases to total assets | 79.7500% | 670 |
| Net loans and leases to deposits | 94.0582% | 933 |
| Net loans and leases to core deposits | 112.4737% | 871 |
| Total domestic deposits to total assets | 84.7900% | 2,377 |
| Equity capital to assets | 10.3699% | 1,801 |
| Core capital (leverage) ratio | 9.4275% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1612% | 2,536 |
| Memoranda: | ||
| Average total assets | $588,671,800 | 1,502 |
| Average earning assets | $543,022,200 | 1,515 |
| Average equity | $62,878,800 | 1,348 |
| Average total loans | $487,095,400 | 1,258 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2054% | 418 |
| Cost of funding earning assets | 1.7779% | 1,047 |
| Net interest margin | 4.4274% | 678 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 3.2179% | 797 |
| Loan and lease loss provision to assets | 0.4300% | 185 |
| Net operating income to assets | 0.8261% | 2,944 |
| Return on assets (ROA) | 0.8261% | 2,929 |
| Pretax return on assets | 1.0339% | 2,761 |
| Return on Equity (ROE) | 7.6800% | 3,267 |
| Retained earnings to average equity (ytd only) | -2.8600% | 4,361 |
| Net charge-offs to loans | 0.7210% | 125 |
| Credit loss provision to net charge-offs | 71.9152% | 1,796 |
| Earnings coverage of net charge-offs (x) | 2.4447% | 2,480 |
| Efficiency ratio | 67.9839% | 2,017 |
| Assets per employee ($millions) | 6.0209% | 2,741 |
| Cash dividends to net income (ytd only)* | 137.2495% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 1,866 |
| Loan loss allowance to noncurrent loans | 208.5346% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 1,129 |
| Noncurrent loans to loans | 0.6234% | 1,306 |
| Net loans and leases to total assets | 81.9500% | 438 |
| Net loans and leases to deposits | 97.2842% | 655 |
| Net loans and leases to core deposits | 117.9148% | 607 |
| Total domestic deposits to total assets | 84.2400% | 2,705 |
| Equity capital to assets | 10.5237% | 1,545 |
| Core capital (leverage) ratio | 9.9850% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3376% | 2,499 |
| Memoranda: | ||
| Average total assets | $587,937,500 | 1,514 |
| Average earning assets | $542,571,750 | 1,516 |
| Average equity | $63,261,250 | 1,335 |
| Average total loans | $488,549,750 | 1,254 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1527% | 370 |
| Cost of funding earning assets | 1.6156% | 1,025 |
| Net interest margin | 4.5371% | 585 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 3.2381% | 753 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 1.0074% | 2,393 |
| Return on assets (ROA) | 1.0074% | 2,392 |
| Pretax return on assets | 1.2779% | 2,140 |
| Return on Equity (ROE) | 9.3000% | 2,889 |
| Retained earnings to average equity (ytd only) | -6.3638% | 4,459 |
| Net charge-offs to loans | 0.6656% | 127 |
| Credit loss provision to net charge-offs | 49.0798% | 1,678 |
| Earnings coverage of net charge-offs (x) | 2.8006% | 2,299 |
| Efficiency ratio | 66.8983% | 2,117 |
| Assets per employee ($millions) | 5.7035% | 2,965 |
| Cash dividends to net income (ytd only)* | 168.4636% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 1,863 |
| Loan loss allowance to noncurrent loans | 154.9752% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.7013% | 747 |
| Noncurrent loans to loans | 0.8487% | 898 |
| Net loans and leases to total assets | 81.5500% | 468 |
| Net loans and leases to deposits | 96.8102% | 682 |
| Net loans and leases to core deposits | 115.2512% | 644 |
| Total domestic deposits to total assets | 84.2400% | 2,767 |
| Equity capital to assets | 10.6849% | 1,514 |
| Core capital (leverage) ratio | 10.0225% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5038% | 2,463 |
| Memoranda: | ||
| Average total assets | $589,242,000 | 1,504 |
| Average earning assets | $544,182,000 | 1,514 |
| Average equity | $63,861,333 | 1,323 |
| Average total loans | $489,762,000 | 1,234 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1984% | 225 |
| Cost of funding earning assets | 0.5441% | 1,138 |
| Net interest margin | 4.6543% | 225 |
| Noninterest income to average assets | 2.0800% | 236 |
| Noninterest expense to average assets | 3.8758% | 358 |
| Loan and lease loss provision to assets | 0.6200% | 87 |
| Net operating income to assets | 1.4826% | 924 |
| Return on assets (ROA) | 1.4826% | 888 |
| Pretax return on assets | 1.8980% | 589 |
| Return on Equity (ROE) | 13.8800% | 1,561 |
| Retained earnings to average equity (ytd only) | 13.8806% | 404 |
| Net charge-offs to loans | 0.6125% | 114 |
| Credit loss provision to net charge-offs | 127.4055% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.1539% | 2,388 |
| Efficiency ratio | 54.6324% | 3,731 |
| Assets per employee ($millions) | 5.9800% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 3,146 |
| Loan loss allowance to noncurrent loans | 130.3324% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 727 |
| Noncurrent loans to loans | 0.8012% | 928 |
| Net loans and leases to total assets | 83.4500% | 298 |
| Net loans and leases to deposits | 101.2930% | 392 |
| Net loans and leases to core deposits | 125.9225% | 279 |
| Total domestic deposits to total assets | 82.3800% | 3,557 |
| Equity capital to assets | 10.5740% | 1,421 |
| Core capital (leverage) ratio | 10.7002% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0541% | 2,720 |
| Memoranda: | ||
| Average total assets | $545,998,600 | 1,618 |
| Average earning assets | $506,926,000 | 1,612 |
| Average equity | $58,319,000 | 1,433 |
| Average total loans | $436,090,400 | 1,304 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 203 |
| Cost of funding earning assets | 0.4010% | 1,278 |
| Net interest margin | 4.6298% | 188 |
| Noninterest income to average assets | 2.4700% | 213 |
| Noninterest expense to average assets | 4.0544% | 318 |
| Loan and lease loss provision to assets | 0.5400% | 92 |
| Net operating income to assets | 1.6663% | 575 |
| Return on assets (ROA) | 1.6663% | 556 |
| Pretax return on assets | 2.1722% | 335 |
| Return on Equity (ROE) | 15.5600% | 1,069 |
| Retained earnings to average equity (ytd only) | 15.5559% | 316 |
| Net charge-offs to loans | 0.7324% | 74 |
| Credit loss provision to net charge-offs | 94.4056% | 1,361 |
| Earnings coverage of net charge-offs (x) | 4.7181% | 2,166 |
| Efficiency ratio | 52.3558% | 3,979 |
| Assets per employee ($millions) | 5.3789% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 3,546 |
| Loan loss allowance to noncurrent loans | 111.6032% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 693 |
| Noncurrent loans to loans | 0.8847% | 888 |
| Net loans and leases to total assets | 82.4500% | 355 |
| Net loans and leases to deposits | 99.1648% | 401 |
| Net loans and leases to core deposits | 112.1370% | 408 |
| Total domestic deposits to total assets | 83.1500% | 3,659 |
| Equity capital to assets | 10.9059% | 1,213 |
| Core capital (leverage) ratio | 10.5799% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1742% | 2,760 |
| Memoranda: | ||
| Average total assets | $530,008,500 | 1,675 |
| Average earning assets | $491,783,000 | 1,662 |
| Average equity | $56,774,500 | 1,483 |
| Average total loans | $416,522,750 | 1,339 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 192 |
| Cost of funding earning assets | 0.3409% | 1,357 |
| Net interest margin | 4.5595% | 175 |
| Noninterest income to average assets | 3.2425% | 141 |
| Noninterest expense to average assets | 4.3578% | 228 |
| Loan and lease loss provision to assets | 0.5861% | 85 |
| Net operating income to assets | 1.9405% | 251 |
| Return on assets (ROA) | 1.9405% | 249 |
| Pretax return on assets | 2.5369% | 159 |
| Return on Equity (ROE) | 18.2300% | 442 |
| Retained earnings to average equity (ytd only) | 18.2300% | 107 |
| Net charge-offs to loans | 0.5736% | 115 |
| Credit loss provision to net charge-offs | 132.7855% | 1,148 |
| Earnings coverage of net charge-offs (x) | 7.0753% | 1,869 |
| Efficiency ratio | 48.1778% | 4,338 |
| Assets per employee ($millions) | 5.3814% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,724 |
| Loan loss allowance to noncurrent loans | 147.4581% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 841 |
| Noncurrent loans to loans | 0.8083% | 1,065 |
| Net loans and leases to total assets | 79.6963% | 429 |
| Net loans and leases to deposits | 94.0030% | 518 |
| Net loans and leases to core deposits | 101.2424% | 621 |
| Total domestic deposits to total assets | 84.7806% | 3,528 |
| Equity capital to assets | 10.9004% | 1,257 |
| Core capital (leverage) ratio | 9.9134% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4546% | 2,689 |
| Memoranda: | ||
| Average total assets | $523,795,333 | 1,689 |
| Average earning assets | $486,894,333 | 1,682 |
| Average equity | $55,754,333 | 1,528 |
| Average total loans | $403,066,333 | 1,363 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7693% | 208 |
| Cost of funding earning assets | 0.3447% | 1,248 |
| Net interest margin | 4.4246% | 188 |
| Noninterest income to average assets | 3.7546% | 132 |
| Noninterest expense to average assets | 5.1169% | 169 |
| Loan and lease loss provision to assets | 0.5314% | 89 |
| Net operating income to assets | 1.6924% | 420 |
| Return on assets (ROA) | 1.6924% | 423 |
| Pretax return on assets | 2.2261% | 250 |
| Return on Equity (ROE) | 16.0923% | 520 |
| Retained earnings to average equity (ytd only) | 16.0923% | 226 |
| Net charge-offs to loans | 0.0010% | 1,807 |
| Credit loss provision to net charge-offs | 69,700.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 3,617.0000% | 12 |
| Efficiency ratio | 46.3840% | 4,476 |
| Assets per employee ($millions) | 5.2987% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 2,125 |
| Loan loss allowance to noncurrent loans | 151.3475% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 834 |
| Noncurrent loans to loans | 0.8902% | 1,040 |
| Net loans and leases to total assets | 76.0033% | 510 |
| Net loans and leases to deposits | 87.5188% | 648 |
| Net loans and leases to core deposits | 91.3512% | 848 |
| Total domestic deposits to total assets | 86.8423% | 2,981 |
| Equity capital to assets | 10.7496% | 1,466 |
| Core capital (leverage) ratio | 9.3119% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5093% | 2,769 |
| Memoranda: | ||
| Average total assets | $524,693,500 | 1,697 |
| Average earning assets | $488,544,500 | 1,689 |
| Average equity | $55,181,500 | 1,595 |
| Average total loans | $394,083,500 | 1,383 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0122% | 259 |
| Cost of funding earning assets | 0.4457% | 1,236 |
| Net interest margin | 4.5666% | 236 |
| Noninterest income to average assets | 1.6491% | 416 |
| Noninterest expense to average assets | 4.1697% | 260 |
| Loan and lease loss provision to assets | 0.2127% | 492 |
| Net operating income to assets | 1.1444% | 2,132 |
| Return on assets (ROA) | 1.2408% | 1,831 |
| Pretax return on assets | 1.6195% | 1,372 |
| Return on Equity (ROE) | 12.4245% | 1,683 |
| Retained earnings to average equity (ytd only) | 10.8384% | 737 |
| Net charge-offs to loans | 0.0256% | 1,734 |
| Credit loss provision to net charge-offs | 1,094.5652% | 500 |
| Earnings coverage of net charge-offs (x) | 88.0109% | 942 |
| Efficiency ratio | 70.1329% | 1,714 |
| Assets per employee ($millions) | 5.4082% | 3,346 |
| Cash dividends to net income (ytd only)* | 12.7660% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 2,963 |
| Loan loss allowance to noncurrent loans | 161.1883% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.5375% | 1,236 |
| Noncurrent loans to loans | 0.7338% | 1,384 |
| Net loans and leases to total assets | 72.3845% | 819 |
| Net loans and leases to deposits | 82.3615% | 1,030 |
| Net loans and leases to core deposits | 85.3041% | 1,239 |
| Total domestic deposits to total assets | 87.8862% | 2,107 |
| Equity capital to assets | 10.2935% | 2,379 |
| Core capital (leverage) ratio | 8.5261% | 3,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7482% | 2,943 |
| Memoranda: | ||
| Average total assets | $473,482,200 | 1,763 |
| Average earning assets | $438,667,800 | 1,774 |
| Average equity | $47,285,600 | 1,852 |
| Average total loans | $358,871,600 | 1,493 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0724% | 269 |
| Cost of funding earning assets | 0.4657% | 1,244 |
| Net interest margin | 4.6067% | 261 |
| Noninterest income to average assets | 1.0247% | 1,027 |
| Noninterest expense to average assets | 3.3181% | 589 |
| Loan and lease loss provision to assets | 0.2932% | 272 |
| Net operating income to assets | 1.2720% | 1,912 |
| Return on assets (ROA) | 1.4049% | 1,583 |
| Pretax return on assets | 1.8404% | 1,064 |
| Return on Equity (ROE) | 14.1952% | 1,341 |
| Retained earnings to average equity (ytd only) | 11.9891% | 839 |
| Net charge-offs to loans | -0.0011% | 3,133 |
| Credit loss provision to net charge-offs | -33,566.6667% | 4,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9153% | 2,711 |
| Assets per employee ($millions) | 5.5280% | 3,168 |
| Cash dividends to net income (ytd only)* | 15.5408% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,882 |
| Loan loss allowance to noncurrent loans | 242.0245% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 1,898 |
| Noncurrent loans to loans | 0.5051% | 2,045 |
| Net loans and leases to total assets | 72.8363% | 790 |
| Net loans and leases to deposits | 82.6354% | 1,057 |
| Net loans and leases to core deposits | 85.5660% | 1,320 |
| Total domestic deposits to total assets | 88.1418% | 1,751 |
| Equity capital to assets | 9.7328% | 3,168 |
| Core capital (leverage) ratio | 8.0594% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9059% | 3,098 |
| Memoranda: | ||
| Average total assets | $457,998,750 | 1,839 |
| Average earning assets | $423,405,500 | 1,843 |
| Average equity | $45,328,750 | 1,934 |
| Average total loans | $350,540,250 | 1,546 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1732% | 266 |
| Cost of funding earning assets | 0.4917% | 1,251 |
| Net interest margin | 4.6815% | 275 |
| Noninterest income to average assets | 0.9986% | 1,074 |
| Noninterest expense to average assets | 3.2901% | 626 |
| Loan and lease loss provision to assets | 0.3889% | 170 |
| Net operating income to assets | 1.2523% | 2,014 |
| Return on assets (ROA) | 1.4086% | 1,605 |
| Pretax return on assets | 1.8406% | 1,143 |
| Return on Equity (ROE) | 14.1380% | 1,371 |
| Retained earnings to average equity (ytd only) | 11.8339% | 955 |
| Net charge-offs to loans | -0.0030% | 3,286 |
| Credit loss provision to net charge-offs | -16,940.0000% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9352% | 2,881 |
| Assets per employee ($millions) | 5.4818% | 3,146 |
| Cash dividends to net income (ytd only)* | 16.2973% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,618 |
| Loan loss allowance to noncurrent loans | 258.2393% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 2,201 |
| Noncurrent loans to loans | 0.4892% | 2,216 |
| Net loans and leases to total assets | 70.1586% | 1,175 |
| Net loans and leases to deposits | 80.5116% | 1,383 |
| Net loans and leases to core deposits | 83.8529% | 1,575 |
| Total domestic deposits to total assets | 87.1410% | 2,242 |
| Equity capital to assets | 9.8055% | 3,049 |
| Core capital (leverage) ratio | 8.2116% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3737% | 3,056 |
| Memoranda: | ||
| Average total assets | $435,610,333 | 1,896 |
| Average earning assets | $402,261,667 | 1,902 |
| Average equity | $43,400,667 | 1,977 |
| Average total loans | $338,305,667 | 1,600 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1449% | 294 |
| Cost of funding earning assets | 0.5299% | 1,204 |
| Net interest margin | 4.6150% | 309 |
| Noninterest income to average assets | 1.1563% | 914 |
| Noninterest expense to average assets | 3.4026% | 524 |
| Loan and lease loss provision to assets | 0.3483% | 241 |
| Net operating income to assets | 1.2522% | 1,971 |
| Return on assets (ROA) | 1.5939% | 1,190 |
| Pretax return on assets | 2.1038% | 805 |
| Return on Equity (ROE) | 15.8378% | 1,050 |
| Retained earnings to average equity (ytd only) | 13.3445% | 851 |
| Net charge-offs to loans | -0.0012% | 3,063 |
| Credit loss provision to net charge-offs | -34,700.0000% | 3,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8475% | 2,783 |
| Assets per employee ($millions) | 4.9108% | 3,753 |
| Cash dividends to net income (ytd only)* | 15.7431% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 2,887 |
| Loan loss allowance to noncurrent loans | 282.1899% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 2,386 |
| Noncurrent loans to loans | 0.4281% | 2,577 |
| Net loans and leases to total assets | 81.6945% | 239 |
| Net loans and leases to deposits | 94.5263% | 466 |
| Net loans and leases to core deposits | 100.1139% | 710 |
| Total domestic deposits to total assets | 86.4251% | 2,560 |
| Equity capital to assets | 9.9500% | 2,749 |
| Core capital (leverage) ratio | 8.5675% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3285% | 3,035 |
| Memoranda: | ||
| Average total assets | $398,513,000 | 1,997 |
| Average earning assets | $368,365,500 | 2,008 |
| Average equity | $40,106,500 | 2,083 |
| Average total loans | $326,334,500 | 1,644 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 546 |
| Cost of funding earning assets | 0.6936% | 1,746 |
| Net interest margin | 4.2515% | 564 |
| Noninterest income to average assets | 1.2692% | 704 |
| Noninterest expense to average assets | 3.4453% | 750 |
| Loan and lease loss provision to assets | 0.3002% | 1,250 |
| Net operating income to assets | 1.1106% | 1,887 |
| Return on assets (ROA) | 1.1434% | 1,876 |
| Pretax return on assets | 1.4317% | 1,564 |
| Return on Equity (ROE) | 10.8628% | 1,683 |
| Retained earnings to average equity (ytd only) | 9.9245% | 599 |
| Net charge-offs to loans | -0.1121% | 4,828 |
| Credit loss provision to net charge-offs | -335.6467% | 3,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1156% | 2,658 |
| Assets per employee ($millions) | 5.1240% | 3,260 |
| Cash dividends to net income (ytd only)* | 8.6377% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 3,058 |
| Loan loss allowance to noncurrent loans | 188.8438% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5064% | 2,045 |
| Noncurrent loans to loans | 0.6248% | 2,130 |
| Net loans and leases to total assets | 80.0887% | 421 |
| Net loans and leases to deposits | 93.4893% | 688 |
| Net loans and leases to core deposits | 98.4694% | 988 |
| Total domestic deposits to total assets | 85.6661% | 2,503 |
| Equity capital to assets | 10.1834% | 2,948 |
| Core capital (leverage) ratio | 8.4248% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3206% | 3,044 |
| Memoranda: | ||
| Average total assets | $354,391,600 | 2,029 |
| Average earning assets | $322,359,600 | 2,072 |
| Average equity | $37,301,600 | 2,116 |
| Average total loans | $282,875,200 | 1,755 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9819% | 625 |
| Cost of funding earning assets | 0.7201% | 1,908 |
| Net interest margin | 4.2617% | 637 |
| Noninterest income to average assets | 1.2985% | 645 |
| Noninterest expense to average assets | 3.4548% | 750 |
| Loan and lease loss provision to assets | 0.3889% | 936 |
| Net operating income to assets | 1.0467% | 2,161 |
| Return on assets (ROA) | 1.0909% | 2,141 |
| Pretax return on assets | 1.3779% | 1,800 |
| Return on Equity (ROE) | 10.2705% | 1,920 |
| Retained earnings to average equity (ytd only) | 8.9994% | 977 |
| Net charge-offs to loans | -0.1359% | 4,873 |
| Credit loss provision to net charge-offs | -360.0000% | 3,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6852% | 2,637 |
| Assets per employee ($millions) | 4.9478% | 3,316 |
| Cash dividends to net income (ytd only)* | 12.3762% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 2,499 |
| Loan loss allowance to noncurrent loans | 223.1715% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 2,445 |
| Noncurrent loans to loans | 0.5513% | 2,416 |
| Net loans and leases to total assets | 77.5199% | 896 |
| Net loans and leases to deposits | 90.8804% | 1,173 |
| Net loans and leases to core deposits | 95.7165% | 1,481 |
| Total domestic deposits to total assets | 85.2988% | 2,318 |
| Equity capital to assets | 10.2018% | 3,068 |
| Core capital (leverage) ratio | 8.3231% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3013% | 2,838 |
| Memoranda: | ||
| Average total assets | $345,632,750 | 2,049 |
| Average earning assets | $313,636,500 | 2,088 |
| Average equity | $36,712,750 | 2,129 |
| Average total loans | $274,691,250 | 1,794 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2869% | 491 |
| Cost of funding earning assets | 0.7534% | 2,097 |
| Net interest margin | 4.5336% | 467 |
| Noninterest income to average assets | 1.2417% | 655 |
| Noninterest expense to average assets | 3.4706% | 774 |
| Loan and lease loss provision to assets | 0.4918% | 740 |
| Net operating income to assets | 1.0751% | 2,055 |
| Return on assets (ROA) | 1.1434% | 1,958 |
| Pretax return on assets | 1.4587% | 1,561 |
| Return on Equity (ROE) | 10.6075% | 1,773 |
| Retained earnings to average equity (ytd only) | 8.6718% | 1,115 |
| Net charge-offs to loans | -0.2068% | 4,947 |
| Credit loss provision to net charge-offs | -297.8339% | 3,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8003% | 2,990 |
| Assets per employee ($millions) | 5.3223% | 2,814 |
| Cash dividends to net income (ytd only)* | 18.2482% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,532 |
| Loan loss allowance to noncurrent loans | 229.5137% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 2,658 |
| Noncurrent loans to loans | 0.5217% | 2,597 |
| Net loans and leases to total assets | 77.4003% | 935 |
| Net loans and leases to deposits | 89.5790% | 1,392 |
| Net loans and leases to core deposits | 96.1899% | 1,565 |
| Total domestic deposits to total assets | 86.4045% | 1,840 |
| Equity capital to assets | 10.1618% | 3,056 |
| Core capital (leverage) ratio | 8.3061% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6966% | 3,045 |
| Memoranda: | ||
| Average total assets | $335,500,000 | 2,068 |
| Average earning assets | $302,897,000 | 2,114 |
| Average equity | $36,163,000 | 2,146 |
| Average total loans | $267,878,333 | 1,805 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9430% | 1,081 |
| Cost of funding earning assets | 0.8329% | 2,207 |
| Net interest margin | 4.1101% | 1,117 |
| Noninterest income to average assets | 0.9373% | 989 |
| Noninterest expense to average assets | 3.5704% | 845 |
| Loan and lease loss provision to assets | 0.0776% | 2,752 |
| Net operating income to assets | 0.7970% | 2,918 |
| Return on assets (ROA) | 0.8285% | 2,890 |
| Pretax return on assets | 1.0212% | 2,780 |
| Return on Equity (ROE) | 7.4412% | 2,767 |
| Retained earnings to average equity (ytd only) | 3.5070% | 2,884 |
| Net charge-offs to loans | -0.2357% | 4,958 |
| Credit loss provision to net charge-offs | -41.4474% | 3,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1351% | 1,798 |
| Assets per employee ($millions) | 4.5222% | 3,226 |
| Cash dividends to net income (ytd only)* | 52.8701% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 3,738 |
| Loan loss allowance to noncurrent loans | 172.0242% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 2,640 |
| Noncurrent loans to loans | 0.5790% | 2,554 |
| Net loans and leases to total assets | 78.0967% | 969 |
| Net loans and leases to deposits | 90.1256% | 1,496 |
| Net loans and leases to core deposits | 98.4891% | 1,587 |
| Total domestic deposits to total assets | 86.6533% | 1,717 |
| Equity capital to assets | 10.9997% | 2,853 |
| Core capital (leverage) ratio | 8.8095% | 4,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9032% | 3,343 |
| Memoranda: | ||
| Average total assets | $319,630,500 | 2,093 |
| Average earning assets | $287,191,500 | 2,149 |
| Average equity | $35,585,500 | 2,168 |
| Average total loans | $257,973,000 | 1,816 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1680% | 1,068 |
| Cost of funding earning assets | 0.7951% | 2,708 |
| Net interest margin | 4.3729% | 944 |
| Noninterest income to average assets | 0.9876% | 995 |
| Noninterest expense to average assets | 3.9094% | 590 |
| Loan and lease loss provision to assets | 0.1210% | 1,751 |
| Net operating income to assets | 0.7705% | 3,643 |
| Return on assets (ROA) | 0.7860% | 3,676 |
| Pretax return on assets | 0.9432% | 3,624 |
| Return on Equity (ROE) | 6.9521% | 3,562 |
| Retained earnings to average equity (ytd only) | 1.8757% | 4,055 |
| Net charge-offs to loans | 0.0058% | 3,470 |
| Credit loss provision to net charge-offs | 2,591.6667% | 151 |
| Earnings coverage of net charge-offs (x) | 223.9167% | 364 |
| Efficiency ratio | 76.2368% | 1,338 |
| Assets per employee ($millions) | 4.4178% | 3,349 |
| Cash dividends to net income (ytd only)* | 73.0198% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 3,942 |
| Loan loss allowance to noncurrent loans | 209.5707% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 2,972 |
| Noncurrent loans to loans | 0.4315% | 2,901 |
| Net loans and leases to total assets | 81.8597% | 572 |
| Net loans and leases to deposits | 94.6965% | 1,088 |
| Net loans and leases to core deposits | 102.3988% | 1,368 |
| Total domestic deposits to total assets | 86.4443% | 1,869 |
| Equity capital to assets | 11.2720% | 2,743 |
| Core capital (leverage) ratio | 9.0371% | 4,502 |
| Tier 1 risk-based capital ratio | 10.4478% | 5,034 |
| Total risk-based capital ratio | 11.3509% | 5,066 |
| Memoranda: | ||
| Average total assets | $256,994,000 | 2,412 |
| Average earning assets | $233,164,000 | 2,451 |
| Average equity | $29,055,800 | 2,445 |
| Average total loans | $205,572,600 | 2,125 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0583% | 1,396 |
| Cost of funding earning assets | 0.7814% | 2,805 |
| Net interest margin | 4.2768% | 1,214 |
| Noninterest income to average assets | 1.0108% | 918 |
| Noninterest expense to average assets | 3.8929% | 597 |
| Loan and lease loss provision to assets | 0.1708% | 1,080 |
| Net operating income to assets | 0.7084% | 3,984 |
| Return on assets (ROA) | 0.7308% | 3,975 |
| Pretax return on assets | 0.8560% | 3,988 |
| Return on Equity (ROE) | 6.4577% | 3,896 |
| Retained earnings to average equity (ytd only) | 0.5143% | 4,660 |
| Net charge-offs to loans | 0.0153% | 2,853 |
| Credit loss provision to net charge-offs | 1,413.6364% | 261 |
| Earnings coverage of net charge-offs (x) | 82.8254% | 843 |
| Efficiency ratio | 76.8514% | 1,235 |
| Assets per employee ($millions) | 4.4541% | 3,281 |
| Cash dividends to net income (ytd only)* | 92.0360% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 3,649 |
| Loan loss allowance to noncurrent loans | 245.8377% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 3,329 |
| Noncurrent loans to loans | 0.4014% | 3,107 |
| Net loans and leases to total assets | 75.0850% | 1,634 |
| Net loans and leases to deposits | 86.6536% | 2,115 |
| Net loans and leases to core deposits | 91.0947% | 2,454 |
| Total domestic deposits to total assets | 86.6496% | 1,713 |
| Equity capital to assets | 11.1970% | 2,930 |
| Core capital (leverage) ratio | 9.1851% | 4,491 |
| Tier 1 risk-based capital ratio | 10.9602% | 4,927 |
| Total risk-based capital ratio | 11.9290% | 4,944 |
| Memoranda: | ||
| Average total assets | $242,827,250 | 2,528 |
| Average earning assets | $220,439,500 | 2,555 |
| Average equity | $27,480,750 | 2,541 |
| Average total loans | $192,189,500 | 2,239 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8525% | 1,903 |
| Cost of funding earning assets | 0.7564% | 2,865 |
| Net interest margin | 4.0960% | 1,620 |
| Noninterest income to average assets | 1.0235% | 836 |
| Noninterest expense to average assets | 3.9465% | 574 |
| Loan and lease loss provision to assets | 0.1228% | 1,523 |
| Net operating income to assets | 0.6314% | 4,216 |
| Return on assets (ROA) | 0.6314% | 4,264 |
| Pretax return on assets | 0.6832% | 4,367 |
| Return on Equity (ROE) | 5.5511% | 4,189 |
| Retained earnings to average equity (ytd only) | -2.2476% | 4,926 |
| Net charge-offs to loans | 0.0203% | 2,453 |
| Credit loss provision to net charge-offs | 750.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 49.2222% | 1,106 |
| Efficiency ratio | 80.3025% | 945 |
| Assets per employee ($millions) | 4.7971% | 2,744 |
| Cash dividends to net income (ytd only)* | 140.4899% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 4,017 |
| Loan loss allowance to noncurrent loans | 221.1873% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3339% | 3,198 |
| Noncurrent loans to loans | 0.4154% | 3,046 |
| Net loans and leases to total assets | 79.6434% | 943 |
| Net loans and leases to deposits | 92.6005% | 1,426 |
| Net loans and leases to core deposits | 97.9898% | 1,888 |
| Total domestic deposits to total assets | 86.0076% | 2,028 |
| Equity capital to assets | 11.7868% | 2,354 |
| Core capital (leverage) ratio | 10.7526% | 2,837 |
| Tier 1 risk-based capital ratio | 10.9345% | 4,943 |
| Total risk-based capital ratio | 11.8453% | 4,983 |
| Memoranda: | ||
| Average total assets | $219,840,330 | 2,694 |
| Average earning assets | $200,146,000 | 2,734 |
| Average equity | $25,004,000 | 2,724 |
| Average total loans | $177,439,670 | 2,373 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6525% | 2,369 |
| Cost of funding earning assets | 0.7233% | 2,925 |
| Net interest margin | 3.9292% | 2,098 |
| Noninterest income to average assets | 1.0052% | 800 |
| Noninterest expense to average assets | 4.0033% | 540 |
| Loan and lease loss provision to assets | 0.0545% | 2,578 |
| Net operating income to assets | 0.6258% | 4,159 |
| Return on assets (ROA) | 0.6258% | 4,202 |
| Pretax return on assets | 0.5364% | 4,612 |
| Return on Equity (ROE) | 5.6662% | 4,131 |
| Retained earnings to average equity (ytd only) | -4.2052% | 4,877 |
| Net charge-offs to loans | 0.0700% | 1,355 |
| Credit loss provision to net charge-offs | 96.1538% | 1,656 |
| Earnings coverage of net charge-offs (x) | 10.4231% | 1,962 |
| Efficiency ratio | 84.0057% | 708 |
| Assets per employee ($millions) | 4.0765% | 3,810 |
| Cash dividends to net income (ytd only)* | 174.2160% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 1,795 |
| Loan loss allowance to noncurrent loans | 126.0333% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.8879% | 1,587 |
| Noncurrent loans to loans | 1.0848% | 1,532 |
| Net loans and leases to total assets | 78.5980% | 1,057 |
| Net loans and leases to deposits | 91.4153% | 1,466 |
| Net loans and leases to core deposits | 97.8867% | 1,782 |
| Total domestic deposits to total assets | 85.9791% | 2,288 |
| Equity capital to assets | 10.7834% | 3,061 |
| Core capital (leverage) ratio | 10.1204% | 3,464 |
| Tier 1 risk-based capital ratio | 11.6290% | 4,672 |
| Total risk-based capital ratio | 12.8800% | 4,549 |
| Memoranda: | ||
| Average total assets | $183,449,000 | 3,052 |
| Average earning assets | $167,565,500 | 3,084 |
| Average equity | $20,260,500 | 3,133 |
| Average total loans | $148,551,500 | 2,706 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6399% | 2,018 |
| Cost of funding earning assets | 0.5380% | 3,129 |
| Net interest margin | 4.1019% | 1,673 |
| Noninterest income to average assets | 1.0920% | 776 |
| Noninterest expense to average assets | 4.1312% | 446 |
| Loan and lease loss provision to assets | -0.0172% | 5,128 |
| Net operating income to assets | 0.5713% | 4,498 |
| Return on assets (ROA) | 0.7191% | 4,090 |
| Pretax return on assets | 0.8839% | 3,937 |
| Return on Equity (ROE) | 6.6746% | 3,944 |
| Retained earnings to average equity (ytd only) | 5.1295% | 2,700 |
| Net charge-offs to loans | -0.0667% | 5,051 |
| Credit loss provision to net charge-offs | 32.9787% | 3,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7380% | 726 |
| Assets per employee ($millions) | 3.7370% | 4,268 |
| Cash dividends to net income (ytd only)* | 23.1481% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3841% | 1,705 |
| Loan loss allowance to noncurrent loans | 89.6491% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.2711% | 1,007 |
| Noncurrent loans to loans | 1.5440% | 971 |
| Net loans and leases to total assets | 81.1855% | 783 |
| Net loans and leases to deposits | 95.3381% | 1,138 |
| Net loans and leases to core deposits | 98.4718% | 1,831 |
| Total domestic deposits to total assets | 85.1554% | 2,586 |
| Equity capital to assets | 11.3169% | 2,401 |
| Core capital (leverage) ratio | 10.3216% | 3,228 |
| Tier 1 risk-based capital ratio | 12.2292% | 4,283 |
| Total risk-based capital ratio | 13.4807% | 4,165 |
| Memoranda: | ||
| Average total assets | $180,214,000 | 3,053 |
| Average earning assets | $163,581,000 | 3,100 |
| Average equity | $19,417,000 | 3,144 |
| Average total loans | $140,905,800 | 2,762 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5819% | 2,031 |
| Cost of funding earning assets | 0.5133% | 3,108 |
| Net interest margin | 4.0687% | 1,726 |
| Noninterest income to average assets | 1.0058% | 951 |
| Noninterest expense to average assets | 4.1856% | 406 |
| Loan and lease loss provision to assets | 0.0998% | 2,006 |
| Net operating income to assets | 0.3621% | 5,007 |
| Return on assets (ROA) | 0.3621% | 5,008 |
| Pretax return on assets | 0.4109% | 5,025 |
| Return on Equity (ROE) | 3.4034% | 4,945 |
| Retained earnings to average equity (ytd only) | 1.3197% | 4,771 |
| Net charge-offs to loans | 0.0077% | 3,145 |
| Credit loss provision to net charge-offs | 1,687.5000% | 247 |
| Earnings coverage of net charge-offs (x) | 86.3458% | 843 |
| Efficiency ratio | 85.9953% | 517 |
| Assets per employee ($millions) | 3.4890% | 4,573 |
| Cash dividends to net income (ytd only)* | 61.2242% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 1,245 |
| Loan loss allowance to noncurrent loans | 89.7403% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.3201% | 1,024 |
| Noncurrent loans to loans | 1.7081% | 914 |
| Net loans and leases to total assets | 76.0988% | 1,648 |
| Net loans and leases to deposits | 89.0159% | 2,019 |
| Net loans and leases to core deposits | 92.1094% | 2,476 |
| Total domestic deposits to total assets | 85.4890% | 2,400 |
| Equity capital to assets | 10.8935% | 2,762 |
| Core capital (leverage) ratio | 9.6813% | 3,963 |
| Tier 1 risk-based capital ratio | 12.3676% | 4,273 |
| Total risk-based capital ratio | 13.6206% | 4,166 |
| Memoranda: | ||
| Average total assets | $180,423,000 | 3,069 |
| Average earning assets | $163,653,750 | 3,118 |
| Average equity | $19,196,250 | 3,186 |
| Average total loans | $139,214,000 | 2,795 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 1,939 |
| Cost of funding earning assets | 0.4773% | 3,176 |
| Net interest margin | 4.0735% | 1,634 |
| Noninterest income to average assets | 0.9732% | 1,006 |
| Noninterest expense to average assets | 4.2439% | 387 |
| Loan and lease loss provision to assets | 0.1103% | 1,786 |
| Net operating income to assets | 0.2284% | 5,201 |
| Return on assets (ROA) | 0.2284% | 5,195 |
| Pretax return on assets | 0.3012% | 5,163 |
| Return on Equity (ROE) | 2.1637% | 5,157 |
| Retained earnings to average equity (ytd only) | -0.9721% | 5,066 |
| Net charge-offs to loans | -0.0114% | 4,364 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0303% | 464 |
| Assets per employee ($millions) | 3.4995% | 4,599 |
| Cash dividends to net income (ytd only)* | 144.9275% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 1,337 |
| Loan loss allowance to noncurrent loans | 77.8896% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.5689% | 827 |
| Noncurrent loans to loans | 1.9505% | 781 |
| Net loans and leases to total assets | 74.4158% | 1,881 |
| Net loans and leases to deposits | 86.8552% | 2,237 |
| Net loans and leases to core deposits | 90.6988% | 2,513 |
| Total domestic deposits to total assets | 85.6780% | 2,421 |
| Equity capital to assets | 10.4807% | 3,142 |
| Core capital (leverage) ratio | 9.6122% | 3,984 |
| Tier 1 risk-based capital ratio | 12.2740% | 4,329 |
| Total risk-based capital ratio | 13.5272% | 4,198 |
| Memoranda: | ||
| Average total assets | $181,250,330 | 3,081 |
| Average earning assets | $163,840,000 | 3,133 |
| Average equity | $19,133,670 | 3,208 |
| Average total loans | $139,779,000 | 2,798 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5651% | 1,679 |
| Cost of funding earning assets | 0.4602% | 3,129 |
| Net interest margin | 4.1049% | 1,425 |
| Noninterest income to average assets | 0.9376% | 1,053 |
| Noninterest expense to average assets | 3.9449% | 561 |
| Loan and lease loss provision to assets | 0.0752% | 2,262 |
| Net operating income to assets | 0.4887% | 4,722 |
| Return on assets (ROA) | 0.4887% | 4,730 |
| Pretax return on assets | 0.6258% | 4,627 |
| Return on Equity (ROE) | 4.6127% | 4,604 |
| Retained earnings to average equity (ytd only) | 1.4819% | 4,496 |
| Net charge-offs to loans | -0.0028% | 3,864 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7706% | 973 |
| Assets per employee ($millions) | 3.7106% | 4,405 |
| Cash dividends to net income (ytd only)* | 67.8733% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 1,663 |
| Loan loss allowance to noncurrent loans | 107.2340% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 1,371 |
| Noncurrent loans to loans | 1.3514% | 1,320 |
| Net loans and leases to total assets | 75.4056% | 1,633 |
| Net loans and leases to deposits | 86.1431% | 2,147 |
| Net loans and leases to core deposits | 87.8261% | 2,643 |
| Total domestic deposits to total assets | 87.5353% | 1,879 |
| Equity capital to assets | 10.5441% | 3,033 |
| Core capital (leverage) ratio | 9.6313% | 3,929 |
| Tier 1 risk-based capital ratio | 12.2377% | 4,411 |
| Total risk-based capital ratio | 13.4901% | 4,310 |
| Memoranda: | ||
| Average total assets | $180,889,500 | 3,120 |
| Average earning assets | $163,412,500 | 3,169 |
| Average equity | $19,164,500 | 3,235 |
| Average total loans | $140,916,000 | 2,804 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 1,169 |
| Cost of funding earning assets | 0.4578% | 2,699 |
| Net interest margin | 4.2532% | 1,073 |
| Noninterest income to average assets | 1.0760% | 880 |
| Noninterest expense to average assets | 3.7259% | 764 |
| Loan and lease loss provision to assets | 0.0772% | 2,655 |
| Net operating income to assets | 0.2083% | 5,094 |
| Return on assets (ROA) | 0.2087% | 5,111 |
| Pretax return on assets | 1.1202% | 3,105 |
| Return on Equity (ROE) | 1.9584% | 5,063 |
| Retained earnings to average equity (ytd only) | 1.4334% | 4,429 |
| Net charge-offs to loans | 0.0048% | 3,914 |
| Credit loss provision to net charge-offs | 1,971.4286% | 193 |
| Earnings coverage of net charge-offs (x) | 305.5714% | 282 |
| Efficiency ratio | 72.6756% | 2,129 |
| Assets per employee ($millions) | 3.7492% | 4,362 |
| Cash dividends to net income (ytd only)* | 26.8097% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 1,816 |
| Loan loss allowance to noncurrent loans | 99.7985% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.1991% | 1,235 |
| Noncurrent loans to loans | 1.3909% | 1,237 |
| Net loans and leases to total assets | 78.2025% | 1,262 |
| Net loans and leases to deposits | 90.7358% | 1,686 |
| Net loans and leases to core deposits | 92.5407% | 2,322 |
| Total domestic deposits to total assets | 86.1870% | 2,356 |
| Equity capital to assets | 10.6456% | 2,997 |
| Core capital (leverage) ratio | 9.3823% | 4,189 |
| Tier 1 risk-based capital ratio | 12.0263% | 4,509 |
| Total risk-based capital ratio | 13.2812% | 4,390 |
| Memoranda: | ||
| Average total assets | $178,720,600 | 3,131 |
| Average earning assets | $161,641,400 | 3,181 |
| Average equity | $19,045,800 | 3,239 |
| Average total loans | $145,317,600 | 2,704 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 1,014 |
| Cost of funding earning assets | 0.4519% | 2,699 |
| Net interest margin | 4.3037% | 916 |
| Noninterest income to average assets | 0.9543% | 1,133 |
| Noninterest expense to average assets | 3.7837% | 687 |
| Loan and lease loss provision to assets | 0.0770% | 2,536 |
| Net operating income to assets | 0.7124% | 3,910 |
| Return on assets (ROA) | 0.7129% | 3,971 |
| Pretax return on assets | 0.9872% | 3,737 |
| Return on Equity (ROE) | 6.6883% | 3,821 |
| Retained earnings to average equity (ytd only) | 5.9872% | 2,246 |
| Net charge-offs to loans | 0.0082% | 3,435 |
| Credit loss provision to net charge-offs | 1,144.4444% | 321 |
| Earnings coverage of net charge-offs (x) | 158.1075% | 522 |
| Efficiency ratio | 74.9923% | 1,746 |
| Assets per employee ($millions) | 3.6484% | 4,517 |
| Cash dividends to net income (ytd only)* | 10.4822% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 2,317 |
| Loan loss allowance to noncurrent loans | 433.9286% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 4,057 |
| Noncurrent loans to loans | 0.3017% | 3,860 |
| Net loans and leases to total assets | 81.9814% | 693 |
| Net loans and leases to deposits | 96.0822% | 1,108 |
| Net loans and leases to core deposits | 98.0249% | 1,884 |
| Total domestic deposits to total assets | 85.3242% | 2,587 |
| Equity capital to assets | 10.8994% | 2,956 |
| Core capital (leverage) ratio | 9.2087% | 4,510 |
| Tier 1 risk-based capital ratio | 11.8015% | 4,767 |
| Total risk-based capital ratio | 13.0575% | 4,631 |
| Memoranda: | ||
| Average total assets | $178,410,500 | 3,165 |
| Average earning assets | $161,375,750 | 3,212 |
| Average equity | $19,017,750 | 3,273 |
| Average total loans | $145,968,250 | 2,715 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7571% | 953 |
| Cost of funding earning assets | 0.4384% | 2,713 |
| Net interest margin | 4.3186% | 816 |
| Noninterest income to average assets | 0.9243% | 1,203 |
| Noninterest expense to average assets | 3.7579% | 710 |
| Loan and lease loss provision to assets | 0.0774% | 2,434 |
| Net operating income to assets | 0.7146% | 3,777 |
| Return on assets (ROA) | 0.7146% | 3,846 |
| Pretax return on assets | 0.9894% | 3,609 |
| Return on Equity (ROE) | 6.7543% | 3,693 |
| Retained earnings to average equity (ytd only) | 5.6940% | 2,298 |
| Net charge-offs to loans | 0.0207% | 2,821 |
| Credit loss provision to net charge-offs | 460.0000% | 707 |
| Earnings coverage of net charge-offs (x) | 63.4000% | 913 |
| Efficiency ratio | 74.8198% | 1,877 |
| Assets per employee ($millions) | 3.5959% | 4,583 |
| Cash dividends to net income (ytd only)* | 15.6986% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 2,593 |
| Loan loss allowance to noncurrent loans | 423.1111% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 4,149 |
| Noncurrent loans to loans | 0.2991% | 3,969 |
| Net loans and leases to total assets | 81.0089% | 813 |
| Net loans and leases to deposits | 94.9260% | 1,183 |
| Net loans and leases to core deposits | 96.7944% | 1,904 |
| Total domestic deposits to total assets | 85.3390% | 2,679 |
| Equity capital to assets | 10.4563% | 3,397 |
| Core capital (leverage) ratio | 8.9883% | 4,738 |
| Tier 1 risk-based capital ratio | 11.2796% | 5,103 |
| Total risk-based capital ratio | 12.5345% | 4,982 |
| Memoranda: | ||
| Average total assets | $178,290,330 | 3,177 |
| Average earning assets | $161,023,330 | 3,230 |
| Average equity | $18,862,000 | 3,294 |
| Average total loans | $145,123,330 | 2,730 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6792% | 971 |
| Cost of funding earning assets | 0.4192% | 2,821 |
| Net interest margin | 4.2600% | 870 |
| Noninterest income to average assets | 0.9491% | 1,106 |
| Noninterest expense to average assets | 3.7260% | 751 |
| Loan and lease loss provision to assets | 0.0774% | 2,264 |
| Net operating income to assets | 0.6942% | 3,737 |
| Return on assets (ROA) | 0.6942% | 3,773 |
| Pretax return on assets | 0.9855% | 3,424 |
| Return on Equity (ROE) | 6.5223% | 3,651 |
| Retained earnings to average equity (ytd only) | 4.3839% | 3,233 |
| Net charge-offs to loans | 0.0590% | 1,745 |
| Credit loss provision to net charge-offs | 161.9048% | 1,156 |
| Earnings coverage of net charge-offs (x) | 22.2381% | 1,422 |
| Efficiency ratio | 74.6673% | 2,112 |
| Assets per employee ($millions) | 3.6128% | 4,624 |
| Cash dividends to net income (ytd only)* | 32.7869% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 2,622 |
| Loan loss allowance to noncurrent loans | 324.0000% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 3,402 |
| Noncurrent loans to loans | 0.3960% | 3,678 |
| Net loans and leases to total assets | 79.3504% | 924 |
| Net loans and leases to deposits | 93.6415% | 1,148 |
| Net loans and leases to core deposits | 95.5249% | 1,851 |
| Total domestic deposits to total assets | 84.7385% | 3,192 |
| Equity capital to assets | 10.4170% | 3,272 |
| Core capital (leverage) ratio | 9.1417% | 4,552 |
| Tier 1 risk-based capital ratio | 11.3208% | 5,129 |
| Total risk-based capital ratio | 12.5765% | 5,033 |
| Memoranda: | ||
| Average total assets | $175,740,000 | 3,235 |
| Average earning assets | $158,403,000 | 3,291 |
| Average equity | $18,705,000 | 3,323 |
| Average total loans | $142,451,500 | 2,780 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 1,450 |
| Cost of funding earning assets | 0.4038% | 2,964 |
| Net interest margin | 4.1253% | 1,319 |
| Noninterest income to average assets | 0.9851% | 1,184 |
| Noninterest expense to average assets | 3.7295% | 848 |
| Loan and lease loss provision to assets | 0.1648% | 1,495 |
| Net operating income to assets | 1.7733% | 466 |
| Return on assets (ROA) | 1.7733% | 488 |
| Pretax return on assets | 0.8597% | 3,978 |
| Return on Equity (ROE) | 16.8808% | 421 |
| Retained earnings to average equity (ytd only) | 10.2485% | 378 |
| Net charge-offs to loans | 0.0089% | 3,966 |
| Credit loss provision to net charge-offs | 2,266.6667% | 190 |
| Earnings coverage of net charge-offs (x) | 140.9167% | 449 |
| Efficiency ratio | 75.0733% | 2,132 |
| Assets per employee ($millions) | 3.5592% | 4,667 |
| Cash dividends to net income (ytd only)* | 39.2894% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 2,404 |
| Loan loss allowance to noncurrent loans | 245.0331% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 2,997 |
| Noncurrent loans to loans | 0.5404% | 3,228 |
| Net loans and leases to total assets | 80.6903% | 787 |
| Net loans and leases to deposits | 95.3077% | 1,065 |
| Net loans and leases to core deposits | 97.3387% | 1,812 |
| Total domestic deposits to total assets | 84.6630% | 3,187 |
| Equity capital to assets | 10.8832% | 2,728 |
| Core capital (leverage) ratio | 9.2792% | 4,375 |
| Tier 1 risk-based capital ratio | 11.8241% | 4,840 |
| Total risk-based capital ratio | 13.0847% | 4,735 |
| Memoranda: | ||
| Average total assets | $165,062,000 | 3,348 |
| Average earning assets | $150,802,400 | 3,358 |
| Average equity | $17,339,200 | 3,507 |
| Average total loans | $134,939,600 | 2,846 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 1,673 |
| Cost of funding earning assets | 0.3991% | 3,030 |
| Net interest margin | 4.0572% | 1,508 |
| Noninterest income to average assets | 1.0023% | 1,144 |
| Noninterest expense to average assets | 3.5594% | 1,057 |
| Loan and lease loss provision to assets | 0.0807% | 2,593 |
| Net operating income to assets | 0.7823% | 3,440 |
| Return on assets (ROA) | 0.7823% | 3,587 |
| Pretax return on assets | 1.0822% | 3,306 |
| Return on Equity (ROE) | 7.5178% | 3,285 |
| Retained earnings to average equity (ytd only) | -1.4879% | 5,550 |
| Net charge-offs to loans | 0.0189% | 3,332 |
| Credit loss provision to net charge-offs | 521.0526% | 681 |
| Earnings coverage of net charge-offs (x) | 75.1133% | 823 |
| Efficiency ratio | 71.9586% | 2,589 |
| Assets per employee ($millions) | 3.5717% | 4,687 |
| Cash dividends to net income (ytd only)* | 119.7919% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 3,314 |
| Loan loss allowance to noncurrent loans | 50.0600% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 1.9873% | 782 |
| Noncurrent loans to loans | 2.3732% | 767 |
| Net loans and leases to total assets | 82.7414% | 536 |
| Net loans and leases to deposits | 97.7253% | 880 |
| Net loans and leases to core deposits | 100.0238% | 1,631 |
| Total domestic deposits to total assets | 84.6673% | 2,961 |
| Equity capital to assets | 9.9893% | 4,132 |
| Core capital (leverage) ratio | 9.2360% | 4,547 |
| Tier 1 risk-based capital ratio | 11.3212% | 5,192 |
| Total risk-based capital ratio | 12.5514% | 5,107 |
| Memoranda: | ||
| Average total assets | $163,617,000 | 3,375 |
| Average earning assets | $150,018,250 | 3,387 |
| Average equity | $17,025,750 | 3,578 |
| Average total loans | $133,748,750 | 2,864 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 1,643 |
| Cost of funding earning assets | 0.3906% | 3,146 |
| Net interest margin | 4.0686% | 1,447 |
| Noninterest income to average assets | 0.9618% | 1,210 |
| Noninterest expense to average assets | 3.5709% | 1,045 |
| Loan and lease loss provision to assets | 0.0949% | 2,258 |
| Net operating income to assets | 0.7189% | 3,702 |
| Return on assets (ROA) | 0.7189% | 3,860 |
| Pretax return on assets | 1.0210% | 3,510 |
| Return on Equity (ROE) | 6.8142% | 3,641 |
| Retained earnings to average equity (ytd only) | 5.0610% | 2,693 |
| Net charge-offs to loans | 0.0167% | 3,181 |
| Credit loss provision to net charge-offs | 700.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 82.2727% | 691 |
| Efficiency ratio | 72.6914% | 2,566 |
| Assets per employee ($millions) | 3.6421% | 4,526 |
| Cash dividends to net income (ytd only)* | 25.7290% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 3,116 |
| Loan loss allowance to noncurrent loans | 79.9614% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.2636% | 1,616 |
| Noncurrent loans to loans | 1.5543% | 1,390 |
| Net loans and leases to total assets | 80.2855% | 856 |
| Net loans and leases to deposits | 95.0271% | 1,185 |
| Net loans and leases to core deposits | 97.3377% | 1,859 |
| Total domestic deposits to total assets | 84.4870% | 3,097 |
| Equity capital to assets | 10.6318% | 3,494 |
| Core capital (leverage) ratio | 9.8955% | 3,688 |
| Tier 1 risk-based capital ratio | 12.0916% | 4,768 |
| Total risk-based capital ratio | 13.3442% | 4,691 |
| Memoranda: | ||
| Average total assets | $162,199,330 | 3,411 |
| Average earning assets | $148,502,330 | 3,425 |
| Average equity | $17,111,330 | 3,574 |
| Average total loans | $131,475,670 | 2,912 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 1,458 |
| Cost of funding earning assets | 0.3876% | 3,217 |
| Net interest margin | 4.1312% | 1,257 |
| Noninterest income to average assets | 0.8801% | 1,357 |
| Noninterest expense to average assets | 3.5624% | 1,080 |
| Loan and lease loss provision to assets | 0.0595% | 2,764 |
| Net operating income to assets | 0.7363% | 3,554 |
| Return on assets (ROA) | 0.7363% | 3,663 |
| Pretax return on assets | 1.0362% | 3,333 |
| Return on Equity (ROE) | 7.0070% | 3,453 |
| Retained earnings to average equity (ytd only) | 3.4681% | 3,765 |
| Net charge-offs to loans | 0.0123% | 2,717 |
| Credit loss provision to net charge-offs | 600.0000% | 524 |
| Earnings coverage of net charge-offs (x) | 110.5000% | 502 |
| Efficiency ratio | 72.9643% | 2,648 |
| Assets per employee ($millions) | 3.6344% | 4,582 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 3,417 |
| Loan loss allowance to noncurrent loans | 289.0485% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 4,110 |
| Noncurrent loans to loans | 0.4189% | 3,938 |
| Net loans and leases to total assets | 80.3165% | 769 |
| Net loans and leases to deposits | 92.2275% | 1,317 |
| Net loans and leases to core deposits | 94.7864% | 1,904 |
| Total domestic deposits to total assets | 87.0851% | 2,168 |
| Equity capital to assets | 10.4385% | 3,567 |
| Core capital (leverage) ratio | 9.8006% | 3,778 |
| Tier 1 risk-based capital ratio | 12.2848% | 4,730 |
| Total risk-based capital ratio | 13.5374% | 4,626 |
| Memoranda: | ||
| Average total assets | $161,351,500 | 3,430 |
| Average earning assets | $147,560,000 | 3,451 |
| Average equity | $16,954,500 | 3,596 |
| Average total loans | $130,593,500 | 2,925 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4756% | 1,677 |
| Cost of funding earning assets | 0.4065% | 3,085 |
| Net interest margin | 4.0691% | 1,488 |
| Noninterest income to average assets | 1.0040% | 1,173 |
| Noninterest expense to average assets | 3.6480% | 1,043 |
| Loan and lease loss provision to assets | 0.1825% | 1,237 |
| Net operating income to assets | 0.9411% | 2,657 |
| Return on assets (ROA) | 0.9373% | 2,755 |
| Pretax return on assets | 0.8552% | 4,001 |
| Return on Equity (ROE) | 9.0173% | 2,444 |
| Retained earnings to average equity (ytd only) | 3.8174% | 3,320 |
| Net charge-offs to loans | -0.1503% | 5,894 |
| Credit loss provision to net charge-offs | -152.6596% | 5,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1966% | 2,549 |
| Assets per employee ($millions) | 3.5368% | 4,756 |
| Cash dividends to net income (ytd only)* | 57.6662% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 3,246 |
| Loan loss allowance to noncurrent loans | 265.4424% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 3,998 |
| Noncurrent loans to loans | 0.4672% | 3,793 |
| Net loans and leases to total assets | 79.5646% | 912 |
| Net loans and leases to deposits | 90.0058% | 1,614 |
| Net loans and leases to core deposits | 93.2509% | 2,111 |
| Total domestic deposits to total assets | 88.3994% | 1,424 |
| Equity capital to assets | 10.5790% | 3,276 |
| Core capital (leverage) ratio | 9.6822% | 3,931 |
| Tier 1 risk-based capital ratio | 12.6131% | 4,566 |
| Total risk-based capital ratio | 13.8674% | 4,454 |
| Memoranda: | ||
| Average total assets | $157,265,000 | 3,467 |
| Average earning assets | $142,439,000 | 3,506 |
| Average equity | $16,346,400 | 3,623 |
| Average total loans | $125,048,600 | 2,972 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 1,740 |
| Cost of funding earning assets | 0.4065% | 3,160 |
| Net interest margin | 4.0495% | 1,562 |
| Noninterest income to average assets | 1.0196% | 1,142 |
| Noninterest expense to average assets | 3.6251% | 1,073 |
| Loan and lease loss provision to assets | 0.2219% | 840 |
| Net operating income to assets | 0.6588% | 4,085 |
| Return on assets (ROA) | 0.6548% | 4,218 |
| Pretax return on assets | 0.8274% | 4,253 |
| Return on Equity (ROE) | 6.3280% | 3,992 |
| Retained earnings to average equity (ytd only) | 0.5753% | 5,447 |
| Net charge-offs to loans | 0.0054% | 3,985 |
| Credit loss provision to net charge-offs | 5,220.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 247.8696% | 283 |
| Efficiency ratio | 73.8688% | 2,580 |
| Assets per employee ($millions) | 3.6781% | 4,480 |
| Cash dividends to net income (ytd only)* | 90.9092% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 4,294 |
| Loan loss allowance to noncurrent loans | 292.9487% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 4,271 |
| Noncurrent loans to loans | 0.3716% | 4,284 |
| Net loans and leases to total assets | 76.9747% | 1,253 |
| Net loans and leases to deposits | 86.8939% | 2,042 |
| Net loans and leases to core deposits | 90.1305% | 2,453 |
| Total domestic deposits to total assets | 88.5847% | 1,251 |
| Equity capital to assets | 10.1047% | 4,045 |
| Core capital (leverage) ratio | 9.4935% | 4,312 |
| Tier 1 risk-based capital ratio | 12.4771% | 4,774 |
| Total risk-based capital ratio | 13.6147% | 4,751 |
| Memoranda: | ||
| Average total assets | $156,792,500 | 3,507 |
| Average earning assets | $141,708,000 | 3,547 |
| Average equity | $16,223,750 | 3,674 |
| Average total loans | $124,255,500 | 3,007 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4919% | 1,565 |
| Cost of funding earning assets | 0.4082% | 3,184 |
| Net interest margin | 4.0837% | 1,395 |
| Noninterest income to average assets | 0.9980% | 1,187 |
| Noninterest expense to average assets | 3.6400% | 1,062 |
| Loan and lease loss provision to assets | 0.2244% | 844 |
| Net operating income to assets | 0.6327% | 4,207 |
| Return on assets (ROA) | 0.6266% | 4,341 |
| Pretax return on assets | 0.8020% | 4,305 |
| Return on Equity (ROE) | 6.0072% | 4,125 |
| Retained earnings to average equity (ytd only) | -0.4821% | 5,601 |
| Net charge-offs to loans | 0.0097% | 3,565 |
| Credit loss provision to net charge-offs | 2,900.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 133.6667% | 477 |
| Efficiency ratio | 74.2345% | 2,652 |
| Assets per employee ($millions) | 3.3712% | 5,037 |
| Cash dividends to net income (ytd only)* | 108.0247% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 4,757 |
| Loan loss allowance to noncurrent loans | 272.9787% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 3,885 |
| Noncurrent loans to loans | 0.3745% | 4,368 |
| Net loans and leases to total assets | 80.1041% | 788 |
| Net loans and leases to deposits | 90.8050% | 1,501 |
| Net loans and leases to core deposits | 95.1062% | 1,866 |
| Total domestic deposits to total assets | 88.2155% | 1,538 |
| Equity capital to assets | 10.4309% | 3,516 |
| Core capital (leverage) ratio | 9.6334% | 4,097 |
| Tier 1 risk-based capital ratio | 12.4893% | 4,815 |
| Total risk-based capital ratio | 13.5650% | 4,830 |
| Memoranda: | ||
| Average total assets | $155,111,670 | 3,551 |
| Average earning assets | $139,628,330 | 3,607 |
| Average equity | $16,180,670 | 3,697 |
| Average total loans | $123,693,000 | 3,025 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 1,672 |
| Cost of funding earning assets | 0.4005% | 3,300 |
| Net interest margin | 4.0251% | 1,479 |
| Noninterest income to average assets | 1.0211% | 1,071 |
| Noninterest expense to average assets | 3.6073% | 1,130 |
| Loan and lease loss provision to assets | 0.2243% | 782 |
| Net operating income to assets | 0.6412% | 4,082 |
| Return on assets (ROA) | 0.6292% | 4,260 |
| Pretax return on assets | 0.8019% | 4,232 |
| Return on Equity (ROE) | 6.0310% | 4,019 |
| Retained earnings to average equity (ytd only) | -2.6200% | 5,758 |
| Net charge-offs to loans | 0.0098% | 3,011 |
| Credit loss provision to net charge-offs | 2,900.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 134.6667% | 385 |
| Efficiency ratio | 73.9323% | 2,831 |
| Assets per employee ($millions) | 3.4761% | 4,936 |
| Cash dividends to net income (ytd only)* | 143.4426% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 5,127 |
| Loan loss allowance to noncurrent loans | 149.6879% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7256% | 3,319 |
| Noncurrent loans to loans | 0.6553% | 3,632 |
| Net loans and leases to total assets | 77.3711% | 1,014 |
| Net loans and leases to deposits | 87.9902% | 1,611 |
| Net loans and leases to core deposits | 91.2399% | 2,003 |
| Total domestic deposits to total assets | 87.9315% | 1,872 |
| Equity capital to assets | 10.3494% | 3,719 |
| Core capital (leverage) ratio | 9.5681% | 4,183 |
| Tier 1 risk-based capital ratio | 12.2850% | 5,058 |
| Total risk-based capital ratio | 13.2798% | 5,115 |
| Memoranda: | ||
| Average total assets | $155,129,000 | 3,574 |
| Average earning assets | $139,821,500 | 3,626 |
| Average equity | $16,183,000 | 3,717 |
| Average total loans | $122,786,500 | 3,042 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 2,165 |
| Cost of funding earning assets | 0.3601% | 4,139 |
| Net interest margin | 4.0588% | 1,709 |
| Noninterest income to average assets | 0.9845% | 1,249 |
| Noninterest expense to average assets | 3.7815% | 1,015 |
| Loan and lease loss provision to assets | 0.2295% | 1,060 |
| Net operating income to assets | 1.5817% | 734 |
| Return on assets (ROA) | 1.5797% | 774 |
| Pretax return on assets | 0.6402% | 4,810 |
| Return on Equity (ROE) | 15.7069% | 661 |
| Retained earnings to average equity (ytd only) | 12.7043% | 245 |
| Net charge-offs to loans | 0.0095% | 4,717 |
| Credit loss provision to net charge-offs | 3,109.0909% | 97 |
| Earnings coverage of net charge-offs (x) | 118.0909% | 450 |
| Efficiency ratio | 77.4445% | 2,286 |
| Assets per employee ($millions) | 3.3442% | 5,183 |
| Cash dividends to net income (ytd only)* | 19.1164% | 3,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 5,465 |
| Loan loss allowance to noncurrent loans | 138.3375% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 3,353 |
| Noncurrent loans to loans | 0.6534% | 3,724 |
| Net loans and leases to total assets | 79.4571% | 814 |
| Net loans and leases to deposits | 92.3161% | 1,258 |
| Net loans and leases to core deposits | 95.8502% | 1,734 |
| Total domestic deposits to total assets | 86.0707% | 2,800 |
| Equity capital to assets | 10.5159% | 3,456 |
| Core capital (leverage) ratio | 8.5172% | 5,547 |
| Tier 1 risk-based capital ratio | 10.8980% | 5,948 |
| Total risk-based capital ratio | 11.8454% | 6,008 |
| Memoranda: | ||
| Average total assets | $149,013,200 | 3,647 |
| Average earning assets | $134,696,000 | 3,684 |
| Average equity | $14,987,000 | 3,839 |
| Average total loans | $115,424,000 | 3,118 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3773% | 2,309 |
| Cost of funding earning assets | 0.3444% | 4,403 |
| Net interest margin | 4.0329% | 1,782 |
| Noninterest income to average assets | 0.9724% | 1,306 |
| Noninterest expense to average assets | 3.7670% | 1,014 |
| Loan and lease loss provision to assets | 0.2300% | 965 |
| Net operating income to assets | 1.8826% | 434 |
| Return on assets (ROA) | 1.8835% | 447 |
| Pretax return on assets | 0.6206% | 4,965 |
| Return on Equity (ROE) | 18.9518% | 350 |
| Retained earnings to average equity (ytd only) | 16.2289% | 158 |
| Net charge-offs to loans | 0.0200% | 4,127 |
| Credit loss provision to net charge-offs | 1,500.0000% | 242 |
| Earnings coverage of net charge-offs (x) | 55.4023% | 919 |
| Efficiency ratio | 77.7061% | 2,230 |
| Assets per employee ($millions) | 3.3888% | 5,064 |
| Cash dividends to net income (ytd only)* | 14.3678% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 5,762 |
| Loan loss allowance to noncurrent loans | 86.6102% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.0761% | 2,806 |
| Noncurrent loans to loans | 0.9750% | 3,126 |
| Net loans and leases to total assets | 78.6923% | 866 |
| Net loans and leases to deposits | 89.6145% | 1,464 |
| Net loans and leases to core deposits | 93.7728% | 1,893 |
| Total domestic deposits to total assets | 87.8120% | 1,857 |
| Equity capital to assets | 10.5106% | 3,539 |
| Core capital (leverage) ratio | 8.5453% | 5,605 |
| Tier 1 risk-based capital ratio | 10.7430% | 6,115 |
| Total risk-based capital ratio | 11.6148% | 6,211 |
| Memoranda: | ||
| Average total assets | $147,808,000 | 3,694 |
| Average earning assets | $133,566,000 | 3,728 |
| Average equity | $14,689,500 | 3,913 |
| Average total loans | $113,443,250 | 3,175 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,460 |
| Cost of funding earning assets | 0.3058% | 4,916 |
| Net interest margin | 4.0271% | 1,737 |
| Noninterest income to average assets | 0.9696% | 1,287 |
| Noninterest expense to average assets | 3.7827% | 990 |
| Loan and lease loss provision to assets | 0.2297% | 998 |
| Net operating income to assets | 0.5949% | 4,377 |
| Return on assets (ROA) | 0.5963% | 4,468 |
| Pretax return on assets | 0.5963% | 4,968 |
| Return on Equity (ROE) | 6.1222% | 4,092 |
| Retained earnings to average equity (ytd only) | 4.0159% | 3,623 |
| Net charge-offs to loans | 0.0090% | 4,096 |
| Credit loss provision to net charge-offs | 3,360.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 120.6000% | 483 |
| Efficiency ratio | 78.1834% | 2,266 |
| Assets per employee ($millions) | 3.3137% | 5,233 |
| Cash dividends to net income (ytd only)* | 34.4037% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 5,954 |
| Loan loss allowance to noncurrent loans | 83.2894% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.0670% | 2,935 |
| Noncurrent loans to loans | 0.9710% | 3,295 |
| Net loans and leases to total assets | 77.8904% | 923 |
| Net loans and leases to deposits | 88.6747% | 1,512 |
| Net loans and leases to core deposits | 91.2933% | 1,996 |
| Total domestic deposits to total assets | 87.8383% | 2,007 |
| Equity capital to assets | 9.7421% | 4,437 |
| Core capital (leverage) ratio | 8.8300% | 5,248 |
| Tier 1 risk-based capital ratio | 11.4759% | 5,814 |
| Total risk-based capital ratio | 12.3200% | 5,959 |
| Memoranda: | ||
| Average total assets | $146,246,000 | 3,739 |
| Average earning assets | $132,104,000 | 3,767 |
| Average equity | $14,243,330 | 3,999 |
| Average total loans | $110,916,670 | 3,222 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 3,134 |
| Cost of funding earning assets | 0.2850% | 5,220 |
| Net interest margin | 3.8552% | 2,254 |
| Noninterest income to average assets | 0.9171% | 1,340 |
| Noninterest expense to average assets | 3.7566% | 1,048 |
| Loan and lease loss provision to assets | 0.2679% | 779 |
| Net operating income to assets | 0.3674% | 5,244 |
| Return on assets (ROA) | 0.3674% | 5,306 |
| Pretax return on assets | 0.3674% | 5,548 |
| Return on Equity (ROE) | 3.7726% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.7726% | 3,863 |
| Net charge-offs to loans | 0.2411% | 1,357 |
| Credit loss provision to net charge-offs | 149.2308% | 1,268 |
| Earnings coverage of net charge-offs (x) | 3.5385% | 2,670 |
| Efficiency ratio | 81.3836% | 2,004 |
| Assets per employee ($millions) | 3.3023% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7285% | 6,235 |
| Loan loss allowance to noncurrent loans | 53.7549% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 1.3352% | 2,651 |
| Noncurrent loans to loans | 1.3552% | 2,774 |
| Net loans and leases to total assets | 76.5309% | 939 |
| Net loans and leases to deposits | 86.8385% | 1,489 |
| Net loans and leases to core deposits | 87.9059% | 2,106 |
| Total domestic deposits to total assets | 88.1302% | 2,150 |
| Equity capital to assets | 9.7961% | 4,114 |
| Core capital (leverage) ratio | 8.9384% | 5,090 |
| Tier 1 risk-based capital ratio | 11.6723% | 5,827 |
| Total risk-based capital ratio | 12.4248% | 6,033 |
| Memoranda: | ||
| Average total assets | $144,811,000 | 3,790 |
| Average earning assets | $130,524,000 | 3,825 |
| Average equity | $14,101,500 | 4,029 |
| Average total loans | $107,828,000 | 3,304 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 3,777 |
| Cost of funding earning assets | 0.3991% | 4,661 |
| Net interest margin | 3.6915% | 3,089 |
| Noninterest income to average assets | 0.6062% | 3,057 |
| Noninterest expense to average assets | 3.5526% | 1,545 |
| Loan and lease loss provision to assets | 0.1549% | 2,339 |
| Net operating income to assets | 0.4889% | 4,780 |
| Return on assets (ROA) | 0.4833% | 4,943 |
| Pretax return on assets | 0.1990% | 5,936 |
| Return on Equity (ROE) | 4.7941% | 4,720 |
| Retained earnings to average equity (ytd only) | 2.6791% | 4,334 |
| Net charge-offs to loans | 0.0785% | 4,121 |
| Credit loss provision to net charge-offs | 294.5946% | 772 |
| Earnings coverage of net charge-offs (x) | 6.8378% | 2,971 |
| Efficiency ratio | 86.9210% | 1,321 |
| Assets per employee ($millions) | 3.3563% | 5,184 |
| Cash dividends to net income (ytd only)* | 44.1176% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 6,253 |
| Loan loss allowance to noncurrent loans | 60.7281% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1260% | 3,145 |
| Noncurrent loans to loans | 1.2457% | 3,051 |
| Net loans and leases to total assets | 71.2687% | 1,799 |
| Net loans and leases to deposits | 81.7464% | 2,213 |
| Net loans and leases to core deposits | 82.7680% | 2,802 |
| Total domestic deposits to total assets | 87.1826% | 2,632 |
| Equity capital to assets | 9.6792% | 4,183 |
| Core capital (leverage) ratio | 8.8148% | 5,256 |
| Tier 1 risk-based capital ratio | 11.7026% | 5,805 |
| Total risk-based capital ratio | 12.4737% | 6,010 |
| Memoranda: | ||
| Average total assets | $140,713,800 | 3,862 |
| Average earning assets | $126,018,200 | 3,926 |
| Average equity | $14,184,000 | 4,030 |
| Average total loans | $94,235,600 | 3,593 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1335% | 3,627 |
| Cost of funding earning assets | 0.4330% | 4,476 |
| Net interest margin | 3.7006% | 3,029 |
| Noninterest income to average assets | 0.6981% | 2,622 |
| Noninterest expense to average assets | 3.4436% | 1,730 |
| Loan and lease loss provision to assets | 0.1211% | 2,783 |
| Net operating income to assets | 0.4425% | 5,054 |
| Return on assets (ROA) | 0.4330% | 5,249 |
| Pretax return on assets | 0.4330% | 5,544 |
| Return on Equity (ROE) | 4.2515% | 5,102 |
| Retained earnings to average equity (ytd only) | 4.2515% | 3,658 |
| Net charge-offs to loans | 0.1045% | 3,492 |
| Credit loss provision to net charge-offs | 176.3889% | 1,369 |
| Earnings coverage of net charge-offs (x) | 8.2081% | 2,659 |
| Efficiency ratio | 82.4845% | 1,764 |
| Assets per employee ($millions) | 3.8284% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7227% | 6,412 |
| Loan loss allowance to noncurrent loans | 70.9908% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.2530% | 3,131 |
| Noncurrent loans to loans | 1.0180% | 3,770 |
| Net loans and leases to total assets | 71.2512% | 1,737 |
| Net loans and leases to deposits | 83.0402% | 1,991 |
| Net loans and leases to core deposits | 84.9291% | 2,552 |
| Total domestic deposits to total assets | 85.8032% | 3,353 |
| Equity capital to assets | 10.5437% | 3,226 |
| Core capital (leverage) ratio | 9.2512% | 4,755 |
| Tier 1 risk-based capital ratio | 12.1093% | 5,715 |
| Total risk-based capital ratio | 12.7928% | 6,007 |
| Memoranda: | ||
| Average total assets | $139,812,250 | 3,918 |
| Average earning assets | $125,023,000 | 3,980 |
| Average equity | $14,237,750 | 4,070 |
| Average total loans | $91,884,750 | 3,666 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0893% | 3,780 |
| Cost of funding earning assets | 0.4657% | 4,255 |
| Net interest margin | 3.6236% | 3,267 |
| Noninterest income to average assets | 0.6914% | 2,682 |
| Noninterest expense to average assets | 3.3792% | 1,871 |
| Loan and lease loss provision to assets | 0.1058% | 3,023 |
| Net operating income to assets | 0.4557% | 4,990 |
| Return on assets (ROA) | 0.4416% | 5,221 |
| Pretax return on assets | 0.4416% | 5,543 |
| Return on Equity (ROE) | 4.3855% | 5,051 |
| Retained earnings to average equity (ytd only) | 4.3855% | 3,479 |
| Net charge-offs to loans | 0.0796% | 3,581 |
| Credit loss provision to net charge-offs | 208.3333% | 1,152 |
| Earnings coverage of net charge-offs (x) | 11.0556% | 2,093 |
| Efficiency ratio | 83.0290% | 1,753 |
| Assets per employee ($millions) | 4.0049% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7183% | 6,472 |
| Loan loss allowance to noncurrent loans | 42.7044% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 1.9065% | 2,275 |
| Noncurrent loans to loans | 1.6820% | 2,793 |
| Net loans and leases to total assets | 68.9225% | 2,074 |
| Net loans and leases to deposits | 79.7358% | 2,362 |
| Net loans and leases to core deposits | 81.1492% | 2,896 |
| Total domestic deposits to total assets | 86.4386% | 3,146 |
| Equity capital to assets | 10.2625% | 3,584 |
| Core capital (leverage) ratio | 8.8939% | 5,155 |
| Tier 1 risk-based capital ratio | 12.1386% | 5,718 |
| Total risk-based capital ratio | 12.8197% | 6,032 |
| Memoranda: | ||
| Average total assets | $141,751,330 | 3,914 |
| Average earning assets | $127,111,000 | 3,963 |
| Average equity | $14,274,330 | 4,094 |
| Average total loans | $90,457,000 | 3,713 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 4,080 |
| Cost of funding earning assets | 0.5184% | 3,897 |
| Net interest margin | 3.4909% | 3,737 |
| Noninterest income to average assets | 0.7167% | 2,500 |
| Noninterest expense to average assets | 3.3097% | 2,064 |
| Loan and lease loss provision to assets | 0.0664% | 3,530 |
| Net operating income to assets | 0.4898% | 4,727 |
| Return on assets (ROA) | 0.4954% | 4,844 |
| Pretax return on assets | 0.4954% | 5,276 |
| Return on Equity (ROE) | 4.9638% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.9638% | 3,257 |
| Net charge-offs to loans | -0.0452% | 6,089 |
| Credit loss provision to net charge-offs | -240.0000% | 5,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5361% | 1,829 |
| Assets per employee ($millions) | 4.0560% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7591% | 6,521 |
| Loan loss allowance to noncurrent loans | 33.2840% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 2.6155% | 1,744 |
| Noncurrent loans to loans | 2.2807% | 2,293 |
| Net loans and leases to total assets | 62.0700% | 3,048 |
| Net loans and leases to deposits | 71.7658% | 3,211 |
| Net loans and leases to core deposits | 72.3848% | 3,771 |
| Total domestic deposits to total assets | 86.4898% | 3,239 |
| Equity capital to assets | 10.0346% | 4,107 |
| Core capital (leverage) ratio | 8.9839% | 4,913 |
| Tier 1 risk-based capital ratio | 14.1246% | 4,409 |
| Total risk-based capital ratio | 14.8022% | 4,792 |
| Memoranda: | ||
| Average total assets | $144,544,000 | 3,902 |
| Average earning assets | $130,397,500 | 3,932 |
| Average equity | $14,424,500 | 4,109 |
| Average total loans | $88,421,500 | 3,778 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5711% | 3,118 |
| Cost of funding earning assets | 0.6411% | 3,997 |
| Net interest margin | 3.9300% | 2,700 |
| Noninterest income to average assets | 1.0876% | 1,311 |
| Noninterest expense to average assets | 4.1302% | 830 |
| Loan and lease loss provision to assets | 0.3328% | 2,037 |
| Net operating income to assets | 0.8011% | 3,282 |
| Return on assets (ROA) | 1.1954% | 1,784 |
| Pretax return on assets | 0.5792% | 5,054 |
| Return on Equity (ROE) | 10.3461% | 2,030 |
| Retained earnings to average equity (ytd only) | 5.0131% | 2,692 |
| Net charge-offs to loans | 0.6824% | 1,730 |
| Credit loss provision to net charge-offs | 69.9029% | 4,170 |
| Earnings coverage of net charge-offs (x) | 1.0874% | 4,916 |
| Efficiency ratio | 88.8631% | 1,155 |
| Assets per employee ($millions) | 4.4219% | 3,105 |
| Cash dividends to net income (ytd only)* | 51.5464% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 4,133 |
| Loan loss allowance to noncurrent loans | 75.3828% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.5738% | 1,888 |
| Noncurrent loans to loans | 1.8682% | 2,837 |
| Net loans and leases to total assets | 63.3263% | 3,006 |
| Net loans and leases to deposits | 75.5535% | 2,873 |
| Net loans and leases to core deposits | 77.5115% | 3,332 |
| Total domestic deposits to total assets | 83.8165% | 4,400 |
| Equity capital to assets | 10.8479% | 3,122 |
| Core capital (leverage) ratio | 9.6408% | 3,902 |
| Tier 1 risk-based capital ratio | 12.0876% | 5,729 |
| Total risk-based capital ratio | 13.1733% | 5,790 |
| Memoranda: | ||
| Average total assets | $64,912,800 | 5,787 |
| Average earning assets | $58,803,800 | 5,784 |
| Average equity | $7,500,400 | 5,639 |
| Average total loans | $45,283,600 | 5,277 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7310% | 2,668 |
| Cost of funding earning assets | 0.6715% | 4,004 |
| Net interest margin | 4.0595% | 2,259 |
| Noninterest income to average assets | 1.1914% | 1,066 |
| Noninterest expense to average assets | 3.9419% | 1,016 |
| Loan and lease loss provision to assets | 0.1933% | 3,165 |
| Net operating income to assets | 0.7144% | 3,852 |
| Return on assets (ROA) | 0.7144% | 4,095 |
| Pretax return on assets | 0.7144% | 4,812 |
| Return on Equity (ROE) | 6.0793% | 4,295 |
| Retained earnings to average equity (ytd only) | 6.0793% | 2,647 |
| Net charge-offs to loans | 0.5746% | 1,901 |
| Credit loss provision to net charge-offs | 47.1795% | 4,461 |
| Earnings coverage of net charge-offs (x) | 2.2154% | 4,153 |
| Efficiency ratio | 81.2825% | 1,899 |
| Assets per employee ($millions) | 4.2128% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 4,324 |
| Loan loss allowance to noncurrent loans | 83.0040% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 2.8292% | 1,860 |
| Noncurrent loans to loans | 1.7012% | 3,231 |
| Net loans and leases to total assets | 65.2548% | 2,786 |
| Net loans and leases to deposits | 78.4914% | 2,603 |
| Net loans and leases to core deposits | 81.0305% | 3,084 |
| Total domestic deposits to total assets | 83.1363% | 4,589 |
| Equity capital to assets | 11.3271% | 2,905 |
| Core capital (leverage) ratio | 9.8175% | 3,792 |
| Tier 1 risk-based capital ratio | 12.2056% | 5,832 |
| Total risk-based capital ratio | 13.3000% | 5,896 |
| Memoranda: | ||
| Average total assets | $63,453,250 | 5,895 |
| Average earning assets | $57,181,250 | 5,902 |
| Average equity | $7,456,750 | 5,708 |
| Average total loans | $45,243,500 | 5,332 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 2,219 |
| Cost of funding earning assets | 0.6905% | 4,091 |
| Net interest margin | 4.1823% | 1,793 |
| Noninterest income to average assets | 1.2263% | 949 |
| Noninterest expense to average assets | 4.1168% | 819 |
| Loan and lease loss provision to assets | 0.1545% | 3,590 |
| Net operating income to assets | 0.7178% | 3,769 |
| Return on assets (ROA) | 0.7178% | 4,039 |
| Pretax return on assets | 0.7178% | 4,775 |
| Return on Equity (ROE) | 6.0292% | 4,312 |
| Retained earnings to average equity (ytd only) | 6.0292% | 2,698 |
| Net charge-offs to loans | 0.6336% | 1,732 |
| Credit loss provision to net charge-offs | 33.3333% | 4,386 |
| Earnings coverage of net charge-offs (x) | 1.8819% | 4,034 |
| Efficiency ratio | 82.5161% | 1,816 |
| Assets per employee ($millions) | 3.9653% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 4,455 |
| Loan loss allowance to noncurrent loans | 76.1962% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 3.1587% | 1,725 |
| Noncurrent loans to loans | 1.8412% | 3,162 |
| Net loans and leases to total assets | 70.5614% | 1,814 |
| Net loans and leases to deposits | 85.8658% | 1,619 |
| Net loans and leases to core deposits | 89.3018% | 2,062 |
| Total domestic deposits to total assets | 82.1764% | 5,064 |
| Equity capital to assets | 11.8435% | 2,275 |
| Core capital (leverage) ratio | 10.0902% | 3,291 |
| Tier 1 risk-based capital ratio | 12.0020% | 5,935 |
| Total risk-based capital ratio | 13.2602% | 5,905 |
| Memoranda: | ||
| Average total assets | $62,136,000 | 5,973 |
| Average earning assets | $55,901,670 | 5,971 |
| Average equity | $7,397,330 | 5,745 |
| Average total loans | $45,453,000 | 5,361 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9950% | 1,904 |
| Cost of funding earning assets | 0.7105% | 4,194 |
| Net interest margin | 4.2845% | 1,520 |
| Noninterest income to average assets | 1.3663% | 774 |
| Noninterest expense to average assets | 4.3070% | 653 |
| Loan and lease loss provision to assets | 0.1561% | 3,429 |
| Net operating income to assets | 0.7482% | 3,634 |
| Return on assets (ROA) | 0.7482% | 3,869 |
| Pretax return on assets | 0.7482% | 4,616 |
| Return on Equity (ROE) | 6.2679% | 4,157 |
| Retained earnings to average equity (ytd only) | 6.2679% | 2,811 |
| Net charge-offs to loans | 2.1549% | 417 |
| Credit loss provision to net charge-offs | 9.7959% | 3,908 |
| Earnings coverage of net charge-offs (x) | 0.5673% | 4,051 |
| Efficiency ratio | 82.6467% | 1,856 |
| Assets per employee ($millions) | 4.1005% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 5,811 |
| Loan loss allowance to noncurrent loans | 58.2480% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 3.2338% | 1,783 |
| Noncurrent loans to loans | 1.9374% | 3,239 |
| Net loans and leases to total assets | 72.9299% | 1,239 |
| Net loans and leases to deposits | 89.0621% | 1,053 |
| Net loans and leases to core deposits | 92.4677% | 1,602 |
| Total domestic deposits to total assets | 81.8866% | 5,334 |
| Equity capital to assets | 12.0425% | 2,006 |
| Core capital (leverage) ratio | 9.9813% | 3,384 |
| Tier 1 risk-based capital ratio | 11.6936% | 6,160 |
| Total risk-based capital ratio | 12.7019% | 6,290 |
| Memoranda: | ||
| Average total assets | $61,482,000 | 6,023 |
| Average earning assets | $55,175,500 | 6,024 |
| Average equity | $7,339,000 | 5,782 |
| Average total loans | $45,477,500 | 5,395 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6355% | 4,524 |
| Cost of funding earning assets | 0.9139% | 4,020 |
| Net interest margin | 3.7216% | 4,196 |
| Noninterest income to average assets | 0.9348% | 1,550 |
| Noninterest expense to average assets | 3.8219% | 1,304 |
| Loan and lease loss provision to assets | 0.4043% | 2,575 |
| Net operating income to assets | 0.0809% | 5,903 |
| Return on assets (ROA) | 0.1747% | 5,805 |
| Pretax return on assets | 0.1747% | 5,844 |
| Return on Equity (ROE) | 1.5181% | 5,835 |
| Retained earnings to average equity (ytd only) | 1.5181% | 5,134 |
| Net charge-offs to loans | 1.4395% | 1,130 |
| Credit loss provision to net charge-offs | 39.2465% | 5,637 |
| Earnings coverage of net charge-offs (x) | 0.4710% | 5,470 |
| Efficiency ratio | 88.7345% | 1,291 |
| Assets per employee ($millions) | 3.6151% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 3,555 |
| Loan loss allowance to noncurrent loans | 57.4902% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 3.6725% | 1,601 |
| Noncurrent loans to loans | 2.7969% | 2,347 |
| Net loans and leases to total assets | 72.9827% | 1,459 |
| Net loans and leases to deposits | 89.8768% | 1,171 |
| Net loans and leases to core deposits | 92.4213% | 1,851 |
| Total domestic deposits to total assets | 81.2031% | 5,384 |
| Equity capital to assets | 11.8310% | 2,254 |
| Core capital (leverage) ratio | 9.6384% | 3,815 |
| Tier 1 risk-based capital ratio | 11.2900% | 6,298 |
| Total risk-based capital ratio | 12.4011% | 6,355 |
| Memoranda: | ||
| Average total assets | $61,828,200 | 5,985 |
| Average earning assets | $56,023,600 | 5,980 |
| Average equity | $7,114,200 | 5,834 |
| Average total loans | $44,251,800 | 5,501 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 5,421 |
| Cost of funding earning assets | 0.9667% | 3,922 |
| Net interest margin | 3.4854% | 5,244 |
| Noninterest income to average assets | 0.8613% | 1,793 |
| Noninterest expense to average assets | 3.8973% | 1,160 |
| Loan and lease loss provision to assets | 0.3230% | 2,947 |
| Net operating income to assets | -0.1916% | 6,378 |
| Return on assets (ROA) | -0.1852% | 6,450 |
| Pretax return on assets | -0.1852% | 6,399 |
| Return on Equity (ROE) | -1.6206% | 6,442 |
| Retained earnings to average equity (ytd only) | -1.6206% | 6,250 |
| Net charge-offs to loans | 1.7487% | 778 |
| Credit loss provision to net charge-offs | 26.0417% | 5,474 |
| Earnings coverage of net charge-offs (x) | 0.1059% | 5,523 |
| Efficiency ratio | 96.7397% | 780 |
| Assets per employee ($millions) | 3.9979% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 3,970 |
| Loan loss allowance to noncurrent loans | 23.6618% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 5.6060% | 985 |
| Noncurrent loans to loans | 6.4558% | 823 |
| Net loans and leases to total assets | 69.9392% | 2,094 |
| Net loans and leases to deposits | 84.4384% | 1,927 |
| Net loans and leases to core deposits | 87.1389% | 2,609 |
| Total domestic deposits to total assets | 82.8286% | 4,749 |
| Equity capital to assets | 11.1839% | 2,975 |
| Core capital (leverage) ratio | 9.2374% | 4,560 |
| Tier 1 risk-based capital ratio | 10.8657% | 6,621 |
| Total risk-based capital ratio | 11.9819% | 6,677 |
| Memoranda: | ||
| Average total assets | $61,921,000 | 6,034 |
| Average earning assets | $56,270,500 | 6,019 |
| Average equity | $7,075,000 | 5,888 |
| Average total loans | $43,918,250 | 5,567 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 5,360 |
| Cost of funding earning assets | 1.0564% | 3,559 |
| Net interest margin | 3.4422% | 5,398 |
| Noninterest income to average assets | 0.8851% | 1,694 |
| Noninterest expense to average assets | 3.9746% | 1,088 |
| Loan and lease loss provision to assets | 0.4082% | 2,391 |
| Net operating income to assets | -0.3690% | 6,591 |
| Return on assets (ROA) | -0.3592% | 6,615 |
| Pretax return on assets | -0.3592% | 6,569 |
| Return on Equity (ROE) | -3.1212% | 6,598 |
| Retained earnings to average equity (ytd only) | -3.1212% | 6,385 |
| Net charge-offs to loans | 2.4785% | 480 |
| Credit loss provision to net charge-offs | 23.2342% | 5,087 |
| Earnings coverage of net charge-offs (x) | 0.0223% | 5,267 |
| Efficiency ratio | 99.0236% | 749 |
| Assets per employee ($millions) | 3.8123% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 3,508 |
| Loan loss allowance to noncurrent loans | 25.1422% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 5.6889% | 1,018 |
| Noncurrent loans to loans | 6.5523% | 839 |
| Net loans and leases to total assets | 69.1996% | 2,375 |
| Net loans and leases to deposits | 84.3691% | 2,051 |
| Net loans and leases to core deposits | 89.4012% | 2,448 |
| Total domestic deposits to total assets | 82.0201% | 5,160 |
| Equity capital to assets | 11.5532% | 2,454 |
| Core capital (leverage) ratio | 9.2328% | 4,349 |
| Tier 1 risk-based capital ratio | 11.0592% | 6,478 |
| Total risk-based capital ratio | 12.3027% | 6,468 |
| Memoranda: | ||
| Average total assets | $61,239,000 | 6,101 |
| Average earning assets | $55,662,330 | 6,093 |
| Average equity | $7,048,670 | 5,908 |
| Average total loans | $43,413,670 | 5,637 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 4,858 |
| Cost of funding earning assets | 1.1498% | 3,159 |
| Net interest margin | 3.4709% | 5,142 |
| Noninterest income to average assets | 0.6519% | 2,833 |
| Noninterest expense to average assets | 3.9243% | 1,142 |
| Loan and lease loss provision to assets | 0.3259% | 2,594 |
| Net operating income to assets | -0.4302% | 6,760 |
| Return on assets (ROA) | -0.4237% | 6,767 |
| Pretax return on assets | -0.4237% | 6,706 |
| Return on Equity (ROE) | -3.6882% | 6,718 |
| Retained earnings to average equity (ytd only) | -3.6882% | 6,379 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7304% | 651 |
| Assets per employee ($millions) | 3.8893% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6811% | 1,227 |
| Loan loss allowance to noncurrent loans | 79.9180% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 2.6644% | 2,577 |
| Noncurrent loans to loans | 3.3549% | 2,232 |
| Net loans and leases to total assets | 68.2447% | 2,497 |
| Net loans and leases to deposits | 82.8191% | 2,213 |
| Net loans and leases to core deposits | 88.8563% | 2,497 |
| Total domestic deposits to total assets | 82.4021% | 5,145 |
| Equity capital to assets | 11.2938% | 2,420 |
| Core capital (leverage) ratio | 9.1913% | 4,304 |
| Tier 1 risk-based capital ratio | 11.1443% | 6,404 |
| Total risk-based capital ratio | 12.4042% | 6,362 |
| Memoranda: | ||
| Average total assets | $61,360,500 | 6,143 |
| Average earning assets | $56,008,500 | 6,128 |
| Average equity | $7,049,500 | 5,918 |
| Average total loans | $43,662,500 | 5,675 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1785% | 3,709 |
| Cost of funding earning assets | 1.4018% | 3,257 |
| Net interest margin | 3.7767% | 4,046 |
| Noninterest income to average assets | 1.5374% | 621 |
| Noninterest expense to average assets | 3.9206% | 1,281 |
| Loan and lease loss provision to assets | 2.6336% | 410 |
| Net operating income to assets | -1.5740% | 6,929 |
| Return on assets (ROA) | -1.6000% | 6,961 |
| Pretax return on assets | -1.6000% | 6,892 |
| Return on Equity (ROE) | -13.3117% | 6,857 |
| Retained earnings to average equity (ytd only) | -13.3117% | 6,809 |
| Net charge-offs to loans | 2.9885% | 555 |
| Credit loss provision to net charge-offs | 122.7758% | 3,397 |
| Earnings coverage of net charge-offs (x) | 0.4940% | 5,619 |
| Efficiency ratio | 78.7247% | 2,573 |
| Assets per employee ($millions) | 3.3607% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5637% | 1,327 |
| Loan loss allowance to noncurrent loans | 83.9580% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 2.5293% | 2,738 |
| Noncurrent loans to loans | 3.0535% | 2,500 |
| Net loans and leases to total assets | 70.3680% | 2,442 |
| Net loans and leases to deposits | 86.0461% | 2,090 |
| Net loans and leases to core deposits | 93.6547% | 2,303 |
| Total domestic deposits to total assets | 81.7794% | 5,248 |
| Equity capital to assets | 11.6891% | 2,134 |
| Core capital (leverage) ratio | 8.8084% | 4,840 |
| Tier 1 risk-based capital ratio | 11.3421% | 6,041 |
| Total risk-based capital ratio | 12.6060% | 6,026 |
| Memoranda: | ||
| Average total assets | $65,500,400 | 6,016 |
| Average earning assets | $59,708,200 | 6,007 |
| Average equity | $7,872,800 | 5,759 |
| Average total loans | $47,013,800 | 5,597 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1705% | 3,983 |
| Cost of funding earning assets | 1.4310% | 3,386 |
| Net interest margin | 3.7395% | 4,235 |
| Noninterest income to average assets | 1.4960% | 612 |
| Noninterest expense to average assets | 3.6512% | 1,670 |
| Loan and lease loss provision to assets | 1.2484% | 1,127 |
| Net operating income to assets | 0.0100% | 5,984 |
| Return on assets (ROA) | -0.0240% | 6,169 |
| Pretax return on assets | -0.0240% | 6,124 |
| Return on Equity (ROE) | -0.1982% | 6,161 |
| Retained earnings to average equity (ytd only) | -0.1982% | 5,825 |
| Net charge-offs to loans | 1.4296% | 1,422 |
| Credit loss provision to net charge-offs | 121.8324% | 3,375 |
| Earnings coverage of net charge-offs (x) | 1.2281% | 4,833 |
| Efficiency ratio | 74.3694% | 3,251 |
| Assets per employee ($millions) | 4.1732% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9901% | 2,249 |
| Loan loss allowance to noncurrent loans | 61.7050% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 2.5250% | 2,842 |
| Noncurrent loans to loans | 3.2252% | 2,461 |
| Net loans and leases to total assets | 67.2672% | 3,392 |
| Net loans and leases to deposits | 82.2032% | 3,064 |
| Net loans and leases to core deposits | 91.1887% | 2,922 |
| Total domestic deposits to total assets | 81.8304% | 5,063 |
| Equity capital to assets | 12.3287% | 1,953 |
| Core capital (leverage) ratio | 10.1274% | 3,121 |
| Tier 1 risk-based capital ratio | 12.4924% | 4,991 |
| Total risk-based capital ratio | 13.7351% | 4,974 |
| Memoranda: | ||
| Average total assets | $66,752,500 | 6,035 |
| Average earning assets | $60,934,250 | 6,030 |
| Average equity | $8,073,250 | 5,764 |
| Average total loans | $47,845,500 | 5,648 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2300% | 3,801 |
| Cost of funding earning assets | 1.4840% | 3,347 |
| Net interest margin | 3.7460% | 4,157 |
| Noninterest income to average assets | 1.0937% | 1,113 |
| Noninterest expense to average assets | 3.6916% | 1,571 |
| Loan and lease loss provision to assets | 1.4742% | 902 |
| Net operating income to assets | -0.6532% | 6,782 |
| Return on assets (ROA) | -0.7131% | 6,828 |
| Pretax return on assets | -0.7131% | 6,731 |
| Return on Equity (ROE) | -5.9349% | 6,768 |
| Retained earnings to average equity (ytd only) | -5.9349% | 6,649 |
| Net charge-offs to loans | 2.0199% | 900 |
| Credit loss provision to net charge-offs | 100.4082% | 4,053 |
| Earnings coverage of net charge-offs (x) | 0.5592% | 5,174 |
| Efficiency ratio | 81.8061% | 2,197 |
| Assets per employee ($millions) | 3.8466% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 3,030 |
| Loan loss allowance to noncurrent loans | 53.0073% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 2.5324% | 2,852 |
| Noncurrent loans to loans | 3.2270% | 2,484 |
| Net loans and leases to total assets | 70.4724% | 2,798 |
| Net loans and leases to deposits | 87.8979% | 2,188 |
| Net loans and leases to core deposits | 99.3618% | 2,083 |
| Total domestic deposits to total assets | 80.1752% | 5,677 |
| Equity capital to assets | 12.2246% | 1,962 |
| Core capital (leverage) ratio | 9.3127% | 4,091 |
| Tier 1 risk-based capital ratio | 11.8222% | 5,468 |
| Total risk-based capital ratio | 12.9048% | 5,587 |
| Memoranda: | ||
| Average total assets | $66,746,330 | 6,073 |
| Average earning assets | $60,917,670 | 6,066 |
| Average equity | $8,020,330 | 5,796 |
| Average total loans | $48,518,330 | 5,664 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1600% | 4,240 |
| Cost of funding earning assets | 1.4817% | 3,683 |
| Net interest margin | 3.6783% | 4,356 |
| Noninterest income to average assets | 0.5933% | 3,322 |
| Noninterest expense to average assets | 3.2630% | 2,664 |
| Loan and lease loss provision to assets | 2.1180% | 519 |
| Net operating income to assets | -1.4298% | 7,304 |
| Return on assets (ROA) | -1.4298% | 7,315 |
| Pretax return on assets | -1.4298% | 7,234 |
| Return on Equity (ROE) | -11.9998% | 7,214 |
| Retained earnings to average equity (ytd only) | -11.9998% | 7,067 |
| Net charge-offs to loans | 2.9351% | 527 |
| Credit loss provision to net charge-offs | 98.6188% | 3,479 |
| Earnings coverage of net charge-offs (x) | 0.3204% | 4,755 |
| Efficiency ratio | 82.5826% | 2,197 |
| Assets per employee ($millions) | 4.1848% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 3,297 |
| Loan loss allowance to noncurrent loans | 44.4134% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 3.2555% | 2,201 |
| Noncurrent loans to loans | 3.6898% | 2,157 |
| Net loans and leases to total assets | 67.0729% | 3,612 |
| Net loans and leases to deposits | 81.9092% | 3,296 |
| Net loans and leases to core deposits | 85.9518% | 3,907 |
| Total domestic deposits to total assets | 81.8869% | 5,124 |
| Equity capital to assets | 11.1313% | 2,653 |
| Core capital (leverage) ratio | 9.3086% | 4,038 |
| Tier 1 risk-based capital ratio | 11.0115% | 6,144 |
| Total risk-based capital ratio | 12.0605% | 6,317 |
| Memoranda: | ||
| Average total assets | $67,423,000 | 6,123 |
| Average earning assets | $61,550,500 | 6,107 |
| Average equity | $8,033,500 | 5,830 |
| Average total loans | $49,334,500 | 5,701 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3360% | 5,000 |
| Cost of funding earning assets | 1.7630% | 4,185 |
| Net interest margin | 3.5730% | 4,640 |
| Noninterest income to average assets | 0.9929% | 1,599 |
| Noninterest expense to average assets | 2.7232% | 5,286 |
| Loan and lease loss provision to assets | 5.5047% | 147 |
| Net operating income to assets | -4.0542% | 7,613 |
| Return on assets (ROA) | -4.0670% | 7,614 |
| Pretax return on assets | -4.2219% | 7,576 |
| Return on Equity (ROE) | -19.8130% | 7,137 |
| Retained earnings to average equity (ytd only) | -19.8130% | 7,102 |
| Net charge-offs to loans | 7.4976% | 96 |
| Credit loss provision to net charge-offs | 102.5907% | 5,382 |
| Earnings coverage of net charge-offs (x) | 0.2415% | 5,885 |
| Efficiency ratio | 67.7536% | 5,049 |
| Assets per employee ($millions) | 3.9815% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 3,299 |
| Loan loss allowance to noncurrent loans | 30.5810% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 4.1630% | 1,570 |
| Noncurrent loans to loans | 5.2156% | 1,266 |
| Net loans and leases to total assets | 77.4787% | 1,484 |
| Net loans and leases to deposits | 99.1562% | 979 |
| Net loans and leases to core deposits | 128.2933% | 1,378 |
| Total domestic deposits to total assets | 78.1380% | 6,188 |
| Equity capital to assets | 12.7904% | 1,600 |
| Core capital (leverage) ratio | 9.5491% | 3,660 |
| Tier 1 risk-based capital ratio | 11.3626% | 5,550 |
| Total risk-based capital ratio | 12.4724% | 5,648 |
| Memoranda: | ||
| Average total assets | $75,535,600 | 5,853 |
| Average earning assets | $63,980,600 | 6,001 |
| Average equity | $15,505,000 | 3,970 |
| Average total loans | $54,057,600 | 5,498 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2642% | 5,604 |
| Cost of funding earning assets | 1.7812% | 4,471 |
| Net interest margin | 3.4830% | 4,934 |
| Noninterest income to average assets | 1.0294% | 1,495 |
| Noninterest expense to average assets | 2.5734% | 5,814 |
| Loan and lease loss provision to assets | 6.0997% | 103 |
| Net operating income to assets | -4.5428% | 7,798 |
| Return on assets (ROA) | -4.5591% | 7,806 |
| Pretax return on assets | -4.7578% | 7,782 |
| Return on Equity (ROE) | -20.6327% | 7,395 |
| Retained earnings to average equity (ytd only) | -20.6327% | 7,362 |
| Net charge-offs to loans | 5.0829% | 217 |
| Credit loss provision to net charge-offs | 171.1630% | 2,719 |
| Earnings coverage of net charge-offs (x) | 0.3813% | 5,643 |
| Efficiency ratio | 65.4428% | 5,466 |
| Assets per employee ($millions) | 5.2759% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0400% | 289 |
| Loan loss allowance to noncurrent loans | 60.0769% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 4.6020% | 1,314 |
| Noncurrent loans to loans | 6.7246% | 837 |
| Net loans and leases to total assets | 65.6705% | 4,497 |
| Net loans and leases to deposits | 91.7518% | 2,278 |
| Net loans and leases to core deposits | 110.6543% | 3,165 |
| Total domestic deposits to total assets | 71.5741% | 7,266 |
| Equity capital to assets | 20.2795% | 320 |
| Core capital (leverage) ratio | 10.1938% | 3,071 |
| Tier 1 risk-based capital ratio | 11.2303% | 5,714 |
| Total risk-based capital ratio | 12.5251% | 5,607 |
| Memoranda: | ||
| Average total assets | $78,493,500 | 5,812 |
| Average earning assets | $65,421,250 | 5,982 |
| Average equity | $17,344,250 | 3,640 |
| Average total loans | $55,032,750 | 5,515 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4302% | 4,992 |
| Cost of funding earning assets | 1.8439% | 4,545 |
| Net interest margin | 3.5863% | 4,422 |
| Noninterest income to average assets | 1.2775% | 937 |
| Noninterest expense to average assets | 2.5805% | 5,816 |
| Loan and lease loss provision to assets | 9.1750% | 42 |
| Net operating income to assets | -7.1984% | 8,064 |
| Return on assets (ROA) | -7.2229% | 8,053 |
| Pretax return on assets | -7.5219% | 8,042 |
| Return on Equity (ROE) | -31.8069% | 7,742 |
| Retained earnings to average equity (ytd only) | -31.8069% | 7,717 |
| Net charge-offs to loans | 7.5085% | 115 |
| Credit loss provision to net charge-offs | 172.8936% | 2,659 |
| Earnings coverage of net charge-offs (x) | 0.3163% | 5,360 |
| Efficiency ratio | 60.5879% | 6,460 |
| Assets per employee ($millions) | 4.2886% | 3,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2187% | 216 |
| Loan loss allowance to noncurrent loans | 130.5556% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 2.3208% | 2,804 |
| Noncurrent loans to loans | 3.2314% | 2,202 |
| Net loans and leases to total assets | 68.7913% | 3,998 |
| Net loans and leases to deposits | 100.3140% | 1,256 |
| Net loans and leases to core deposits | 124.3011% | 1,998 |
| Total domestic deposits to total assets | 68.5760% | 7,581 |
| Equity capital to assets | 21.7431% | 293 |
| Core capital (leverage) ratio | 9.5253% | 3,850 |
| Tier 1 risk-based capital ratio | 11.4249% | 5,468 |
| Total risk-based capital ratio | 12.7081% | 5,350 |
| Memoranda: | ||
| Average total assets | $78,278,330 | 5,852 |
| Average earning assets | $65,081,000 | 6,045 |
| Average equity | $17,776,000 | 3,579 |
| Average total loans | $55,324,000 | 5,544 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2779% | 5,992 |
| Cost of funding earning assets | 1.8301% | 4,973 |
| Net interest margin | 3.4477% | 4,949 |
| Noninterest income to average assets | 1.2845% | 869 |
| Noninterest expense to average assets | 2.3912% | 6,223 |
| Loan and lease loss provision to assets | 1.4821% | 849 |
| Net operating income to assets | 0.2603% | 5,441 |
| Return on assets (ROA) | 0.2124% | 5,785 |
| Pretax return on assets | 0.2421% | 5,843 |
| Return on Equity (ROE) | 0.9179% | 6,148 |
| Retained earnings to average equity (ytd only) | 0.9179% | 5,285 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3460% | 6,777 |
| Assets per employee ($millions) | 5.0122% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7392% | 2,012 |
| Loan loss allowance to noncurrent loans | 27.1413% | 6,755 |
| Noncurrent assets plus other real estate owned to assets | 4.5714% | 1,043 |
| Noncurrent loans to loans | 6.4079% | 704 |
| Net loans and leases to total assets | 70.0991% | 3,646 |
| Net loans and leases to deposits | 105.5046% | 907 |
| Net loans and leases to core deposits | 130.6711% | 1,621 |
| Total domestic deposits to total assets | 66.4418% | 7,706 |
| Equity capital to assets | 23.4079% | 266 |
| Core capital (leverage) ratio | 13.7181% | 1,260 |
| Tier 1 risk-based capital ratio | 15.0358% | 3,050 |
| Total risk-based capital ratio | 16.2902% | 2,990 |
| Memoranda: | ||
| Average total assets | $80,964,500 | 5,786 |
| Average earning assets | $67,754,500 | 5,984 |
| Average equity | $18,738,000 | 3,447 |
| Average total loans | $56,805,000 | 5,511 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9250% | 5,925 |
| Cost of funding earning assets | 2.0906% | 6,095 |
| Net interest margin | 3.8344% | 3,875 |
| Noninterest income to average assets | 0.5162% | 4,498 |
| Noninterest expense to average assets | 2.6481% | 5,455 |
| Loan and lease loss provision to assets | 0.4925% | 2,850 |
| Net operating income to assets | 0.4104% | 5,112 |
| Return on assets (ROA) | 0.4269% | 4,862 |
| Pretax return on assets | 0.5762% | 4,767 |
| Return on Equity (ROE) | 1.6583% | 5,721 |
| Retained earnings to average equity (ytd only) | 1.6583% | 4,219 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6767% | 3,999 |
| Assets per employee ($millions) | 5.1084% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 4,289 |
| Loan loss allowance to noncurrent loans | 35.5499% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 2.3919% | 2,030 |
| Noncurrent loans to loans | 3.4664% | 1,466 |
| Net loans and leases to total assets | 68.1528% | 4,438 |
| Net loans and leases to deposits | 101.5052% | 1,641 |
| Net loans and leases to core deposits | 119.1402% | 2,779 |
| Total domestic deposits to total assets | 67.1422% | 7,558 |
| Equity capital to assets | 22.8840% | 319 |
| Core capital (leverage) ratio | 14.1924% | 1,219 |
| Tier 1 risk-based capital ratio | 15.1626% | 2,975 |
| Total risk-based capital ratio | 16.2647% | 2,952 |
| Memoranda: | ||
| Average total assets | $71,674,400 | 5,979 |
| Average earning assets | $59,409,600 | 6,196 |
| Average equity | $18,452,600 | 3,488 |
| Average total loans | $46,641,600 | 5,842 |