Home > TriCentury Bank > Performance and Condition Ratios
TriCentury 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 | 6.1105% | 556 |
| Cost of funding earning assets | 1.9696% | 962 |
| Net interest margin | 4.1409% | 1,022 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.8987% | 3,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6428% | 807 |
| Return on assets (ROA) | 1.6444% | 773 |
| Pretax return on assets | 2.1823% | 502 |
| Return on Equity (ROE) | 13.6300% | 1,575 |
| Retained earnings to average equity (ytd only) | 4.8287% | 2,663 |
| Net charge-offs to loans | 0.0009% | 2,853 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 3,182.0000% | 40 |
| Efficiency ratio | 46.4976% | 4,177 |
| Assets per employee ($millions) | 10.2036% | 661 |
| Cash dividends to net income (ytd only)* | 64.5833% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,082 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 73.7200% | 1,396 |
| Net loans and leases to deposits | 128.6488% | 51 |
| Net loans and leases to core deposits | 157.9452% | 162 |
| Total domestic deposits to total assets | 57.3000% | 4,453 |
| Equity capital to assets | 11.9520% | 1,139 |
| Core capital (leverage) ratio | 12.4255% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $145,945,600 | 3,406 |
| Average earning assets | $138,303,200 | 3,362 |
| Average equity | $17,603,000 | 3,045 |
| Average total loans | $116,542,200 | 2,990 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0943% | 473 |
| Cost of funding earning assets | 1.9052% | 857 |
| Net interest margin | 4.1891% | 938 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.8931% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6826% | 815 |
| Return on assets (ROA) | 1.6841% | 804 |
| Pretax return on assets | 2.2381% | 532 |
| Return on Equity (ROE) | 13.9300% | 1,673 |
| Retained earnings to average equity (ytd only) | 2.0729% | 3,713 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 45.8455% | 4,144 |
| Assets per employee ($millions) | 9.6000% | 770 |
| Cash dividends to net income (ytd only)* | 85.1181% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 2,377 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 81.0100% | 536 |
| Net loans and leases to deposits | 147.5076% | 18 |
| Net loans and leases to core deposits | 167.4283% | 79 |
| Total domestic deposits to total assets | 54.9200% | 4,485 |
| Equity capital to assets | 12.3014% | 968 |
| Core capital (leverage) ratio | 12.2482% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $144,168,500 | 3,425 |
| Average earning assets | $136,605,250 | 3,383 |
| Average equity | $17,430,500 | 3,044 |
| Average total loans | $117,118,250 | 2,987 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9262% | 484 |
| Cost of funding earning assets | 1.7979% | 738 |
| Net interest margin | 4.1283% | 1,042 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.8749% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6480% | 876 |
| Return on assets (ROA) | 1.6502% | 873 |
| Pretax return on assets | 2.2035% | 532 |
| Return on Equity (ROE) | 13.7300% | 1,737 |
| Retained earnings to average equity (ytd only) | 1.6151% | 3,804 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.0020% | 4,165 |
| Assets per employee ($millions) | 8.9517% | 925 |
| Cash dividends to net income (ytd only)* | 88.2353% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,311 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 79.4800% | 683 |
| Net loans and leases to deposits | 141.2820% | 27 |
| Net loans and leases to core deposits | 156.7822% | 111 |
| Total domestic deposits to total assets | 56.2600% | 4,502 |
| Equity capital to assets | 12.2763% | 980 |
| Core capital (leverage) ratio | 12.2332% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $144,224,667 | 3,435 |
| Average earning assets | $136,716,000 | 3,396 |
| Average equity | $17,336,000 | 3,076 |
| Average total loans | $116,803,333 | 2,990 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7011% | 461 |
| Cost of funding earning assets | 1.7255% | 536 |
| Net interest margin | 3.9756% | 1,314 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.8186% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6257% | 938 |
| Return on assets (ROA) | 1.6279% | 934 |
| Pretax return on assets | 2.1503% | 616 |
| Return on Equity (ROE) | 13.6900% | 1,837 |
| Retained earnings to average equity (ytd only) | -10.7131% | 4,490 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.7840% | 4,229 |
| Assets per employee ($millions) | 10.4999% | 595 |
| Cash dividends to net income (ytd only)* | 178.2683% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 2,474 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 78.1600% | 747 |
| Net loans and leases to deposits | 135.5098% | 33 |
| Net loans and leases to core deposits | 143.4966% | 160 |
| Total domestic deposits to total assets | 57.6800% | 4,548 |
| Equity capital to assets | 11.5525% | 1,137 |
| Core capital (leverage) ratio | 11.8796% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $144,723,500 | 3,477 |
| Average earning assets | $137,236,000 | 3,437 |
| Average equity | $17,212,500 | 3,115 |
| Average total loans | $117,579,000 | 3,006 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0039% | 297 |
| Cost of funding earning assets | 1.1024% | 108 |
| Net interest margin | 3.9015% | 952 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.8061% | 4,023 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5301% | 822 |
| Return on assets (ROA) | 1.5323% | 787 |
| Pretax return on assets | 2.0236% | 454 |
| Return on Equity (ROE) | 13.3200% | 1,699 |
| Retained earnings to average equity (ytd only) | 12.7063% | 551 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.5408% | 4,315 |
| Assets per employee ($millions) | 10.1749% | 644 |
| Cash dividends to net income (ytd only)* | 4.5935% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,440 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 82.4400% | 374 |
| Net loans and leases to deposits | 133.3886% | 38 |
| Net loans and leases to core deposits | 140.2211% | 144 |
| Total domestic deposits to total assets | 61.8100% | 4,568 |
| Equity capital to assets | 12.2452% | 865 |
| Core capital (leverage) ratio | 12.5797% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $142,075,000 | 3,518 |
| Average earning assets | $134,795,400 | 3,475 |
| Average equity | $16,346,200 | 3,245 |
| Average total loans | $111,381,400 | 3,012 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7878% | 291 |
| Cost of funding earning assets | 0.9997% | 65 |
| Net interest margin | 3.7881% | 966 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.7814% | 4,013 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.4526% | 948 |
| Return on assets (ROA) | 1.4555% | 920 |
| Pretax return on assets | 1.9223% | 552 |
| Return on Equity (ROE) | 12.8600% | 1,749 |
| Retained earnings to average equity (ytd only) | 12.0289% | 785 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.2319% | 4,318 |
| Assets per employee ($millions) | 10.1152% | 636 |
| Cash dividends to net income (ytd only)* | 6.4516% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 2,164 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 77.4800% | 753 |
| Net loans and leases to deposits | 112.2668% | 102 |
| Net loans and leases to core deposits | 115.7133% | 334 |
| Total domestic deposits to total assets | 69.0200% | 4,550 |
| Equity capital to assets | 11.8746% | 910 |
| Core capital (leverage) ratio | 11.7891% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $141,981,750 | 3,541 |
| Average earning assets | $134,700,500 | 3,496 |
| Average equity | $16,072,000 | 3,310 |
| Average total loans | $109,513,750 | 3,042 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 338 |
| Cost of funding earning assets | 0.9697% | 40 |
| Net interest margin | 3.5908% | 1,082 |
| Noninterest income to average assets | 0.1590% | 4,217 |
| Noninterest expense to average assets | 1.7466% | 4,058 |
| Loan and lease loss provision to assets | 0.0844% | 1,176 |
| Net operating income to assets | 1.3109% | 1,107 |
| Return on assets (ROA) | 1.3131% | 1,082 |
| Pretax return on assets | 1.7339% | 695 |
| Return on Equity (ROE) | 11.7922% | 1,726 |
| Retained earnings to average equity (ytd only) | 11.7922% | 639 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9530% | 4,313 |
| Assets per employee ($millions) | 11.1412% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 76.0051% | 731 |
| Net loans and leases to deposits | 112.8514% | 77 |
| Net loans and leases to core deposits | 115.7041% | 250 |
| Total domestic deposits to total assets | 67.3497% | 4,644 |
| Equity capital to assets | 11.2535% | 1,114 |
| Core capital (leverage) ratio | 10.9806% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,104,667 | 3,584 |
| Average earning assets | $134,676,667 | 3,550 |
| Average equity | $15,824,000 | 3,421 |
| Average total loans | $108,972,333 | 3,075 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 341 |
| Cost of funding earning assets | 0.9518% | 43 |
| Net interest margin | 3.5100% | 1,073 |
| Noninterest income to average assets | 0.1592% | 4,202 |
| Noninterest expense to average assets | 1.7451% | 4,063 |
| Loan and lease loss provision to assets | 0.0853% | 978 |
| Net operating income to assets | 1.2534% | 1,111 |
| Return on assets (ROA) | 1.2534% | 1,097 |
| Pretax return on assets | 1.6513% | 755 |
| Return on Equity (ROE) | 11.3175% | 1,514 |
| Retained earnings to average equity (ytd only) | 11.3175% | 723 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0408% | 4,309 |
| Assets per employee ($millions) | 11.4046% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 2,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 75.2867% | 550 |
| Net loans and leases to deposits | 119.5818% | 36 |
| Net loans and leases to core deposits | 124.1864% | 124 |
| Total domestic deposits to total assets | 62.9583% | 4,714 |
| Equity capital to assets | 10.6617% | 1,511 |
| Core capital (leverage) ratio | 11.4997% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,739,500 | 3,610 |
| Average earning assets | $133,219,500 | 3,587 |
| Average equity | $15,586,500 | 3,507 |
| Average total loans | $107,715,500 | 3,092 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7705% | 378 |
| Cost of funding earning assets | 1.0636% | 53 |
| Net interest margin | 3.7069% | 1,195 |
| Noninterest income to average assets | 0.2830% | 3,700 |
| Noninterest expense to average assets | 1.7952% | 4,155 |
| Loan and lease loss provision to assets | 0.0962% | 1,293 |
| Net operating income to assets | 1.4447% | 1,148 |
| Return on assets (ROA) | 1.4472% | 1,217 |
| Pretax return on assets | 1.9019% | 722 |
| Return on Equity (ROE) | 12.4675% | 1,665 |
| Retained earnings to average equity (ytd only) | 12.1222% | 524 |
| Net charge-offs to loans | 0.0010% | 2,647 |
| Credit loss provision to net charge-offs | 12,000.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 2,488.0000% | 53 |
| Efficiency ratio | 47.2816% | 4,446 |
| Assets per employee ($millions) | 8.8813% | 957 |
| Cash dividends to net income (ytd only)* | 2.7701% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 2,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 75.8848% | 529 |
| Net loans and leases to deposits | 128.0988% | 26 |
| Net loans and leases to core deposits | 133.9637% | 87 |
| Total domestic deposits to total assets | 59.2393% | 4,770 |
| Equity capital to assets | 11.5344% | 1,493 |
| Core capital (leverage) ratio | 11.4609% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,719,600 | 3,749 |
| Average earning assets | $117,996,800 | 3,708 |
| Average equity | $14,477,600 | 3,692 |
| Average total loans | $102,723,600 | 3,165 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8764% | 364 |
| Cost of funding earning assets | 1.0580% | 67 |
| Net interest margin | 3.8184% | 1,078 |
| Noninterest income to average assets | 0.1892% | 4,259 |
| Noninterest expense to average assets | 1.8075% | 4,152 |
| Loan and lease loss provision to assets | 0.0979% | 1,222 |
| Net operating income to assets | 1.4463% | 1,407 |
| Return on assets (ROA) | 1.4497% | 1,458 |
| Pretax return on assets | 1.9032% | 943 |
| Return on Equity (ROE) | 12.4674% | 1,877 |
| Retained earnings to average equity (ytd only) | 12.4674% | 731 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4271% | 4,415 |
| Assets per employee ($millions) | 10.1149% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 79.4013% | 326 |
| Net loans and leases to deposits | 134.7113% | 20 |
| Net loans and leases to core deposits | 139.4673% | 83 |
| Total domestic deposits to total assets | 58.9419% | 4,844 |
| Equity capital to assets | 11.3648% | 1,764 |
| Core capital (leverage) ratio | 11.6413% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,594,750 | 3,819 |
| Average earning assets | $116,066,500 | 3,774 |
| Average equity | $14,255,500 | 3,759 |
| Average total loans | $102,795,250 | 3,207 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9404% | 376 |
| Cost of funding earning assets | 1.0622% | 82 |
| Net interest margin | 3.8782% | 1,011 |
| Noninterest income to average assets | 0.1872% | 4,269 |
| Noninterest expense to average assets | 1.8340% | 4,113 |
| Loan and lease loss provision to assets | 0.1003% | 1,263 |
| Net operating income to assets | 1.4703% | 1,374 |
| Return on assets (ROA) | 1.4729% | 1,428 |
| Pretax return on assets | 1.9310% | 951 |
| Return on Equity (ROE) | 12.5624% | 1,868 |
| Retained earnings to average equity (ytd only) | 12.5624% | 800 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4026% | 4,432 |
| Assets per employee ($millions) | 9.2633% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 2,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 86.1289% | 81 |
| Net loans and leases to deposits | 144.2024% | 19 |
| Net loans and leases to core deposits | 150.3697% | 67 |
| Total domestic deposits to total assets | 59.7278% | 4,872 |
| Equity capital to assets | 12.0342% | 1,342 |
| Core capital (leverage) ratio | 12.1037% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,628,333 | 3,858 |
| Average earning assets | $113,350,333 | 3,819 |
| Average equity | $14,026,000 | 3,788 |
| Average total loans | $101,819,333 | 3,230 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 553 |
| Cost of funding earning assets | 1.0623% | 99 |
| Net interest margin | 3.6562% | 1,433 |
| Noninterest income to average assets | 0.1845% | 4,270 |
| Noninterest expense to average assets | 1.9458% | 3,868 |
| Loan and lease loss provision to assets | 0.1006% | 1,341 |
| Net operating income to assets | 1.2212% | 2,062 |
| Return on assets (ROA) | 1.2212% | 2,146 |
| Pretax return on assets | 1.6137% | 1,684 |
| Return on Equity (ROE) | 10.5561% | 2,513 |
| Retained earnings to average equity (ytd only) | 10.5561% | 1,503 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0706% | 3,900 |
| Assets per employee ($millions) | 9.7246% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 84.3018% | 140 |
| Net loans and leases to deposits | 143.2799% | 23 |
| Net loans and leases to core deposits | 149.6987% | 74 |
| Total domestic deposits to total assets | 58.8371% | 4,893 |
| Equity capital to assets | 11.9757% | 1,298 |
| Core capital (leverage) ratio | 11.2563% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,231,000 | 3,873 |
| Average earning assets | $113,341,500 | 3,822 |
| Average equity | $13,793,000 | 3,812 |
| Average total loans | $100,227,000 | 3,258 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5843% | 1,125 |
| Cost of funding earning assets | 1.2450% | 228 |
| Net interest margin | 3.3393% | 2,955 |
| Noninterest income to average assets | 0.1774% | 4,398 |
| Noninterest expense to average assets | 1.8225% | 4,437 |
| Loan and lease loss provision to assets | 0.0266% | 4,067 |
| Net operating income to assets | 1.0884% | 1,964 |
| Return on assets (ROA) | 1.0904% | 2,079 |
| Pretax return on assets | 1.4993% | 1,330 |
| Return on Equity (ROE) | 9.8476% | 2,061 |
| Retained earnings to average equity (ytd only) | 9.8476% | 619 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3684% | 4,171 |
| Assets per employee ($millions) | 8.6976% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 81.7939% | 311 |
| Net loans and leases to deposits | 134.1225% | 35 |
| Net loans and leases to core deposits | 139.0664% | 124 |
| Total domestic deposits to total assets | 60.9845% | 4,904 |
| Equity capital to assets | 11.1779% | 2,114 |
| Core capital (leverage) ratio | 11.0943% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,653,800 | 3,786 |
| Average earning assets | $110,681,400 | 3,758 |
| Average equity | $12,916,800 | 3,869 |
| Average total loans | $87,742,400 | 3,438 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4879% | 1,598 |
| Cost of funding earning assets | 1.2823% | 263 |
| Net interest margin | 3.2056% | 3,476 |
| Noninterest income to average assets | 0.1745% | 4,418 |
| Noninterest expense to average assets | 1.8259% | 4,449 |
| Loan and lease loss provision to assets | 0.0009% | 4,234 |
| Net operating income to assets | 0.9908% | 2,373 |
| Return on assets (ROA) | 0.9927% | 2,496 |
| Pretax return on assets | 1.3891% | 1,769 |
| Return on Equity (ROE) | 8.9875% | 2,400 |
| Retained earnings to average equity (ytd only) | 8.9875% | 983 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7062% | 3,831 |
| Assets per employee ($millions) | 9.2582% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 76.8454% | 981 |
| Net loans and leases to deposits | 126.4395% | 71 |
| Net loans and leases to core deposits | 131.1552% | 229 |
| Total domestic deposits to total assets | 60.7764% | 4,920 |
| Equity capital to assets | 10.9666% | 2,419 |
| Core capital (leverage) ratio | 11.2053% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,375,500 | 3,798 |
| Average earning assets | $109,388,000 | 3,766 |
| Average equity | $12,743,250 | 3,894 |
| Average total loans | $84,472,250 | 3,511 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4671% | 2,012 |
| Cost of funding earning assets | 1.3407% | 297 |
| Net interest margin | 3.1264% | 3,844 |
| Noninterest income to average assets | 0.1671% | 4,455 |
| Noninterest expense to average assets | 1.8362% | 4,505 |
| Loan and lease loss provision to assets | 0.0018% | 4,128 |
| Net operating income to assets | 0.8882% | 2,738 |
| Return on assets (ROA) | 0.8882% | 2,857 |
| Pretax return on assets | 1.2945% | 2,044 |
| Return on Equity (ROE) | 8.0214% | 2,739 |
| Retained earnings to average equity (ytd only) | 8.0214% | 1,298 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5065% | 3,629 |
| Assets per employee ($millions) | 9.4846% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 1,605 |
| Loan loss allowance to noncurrent loans | 824.1379% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 3,951 |
| Noncurrent loans to loans | 0.1693% | 3,773 |
| Net loans and leases to total assets | 68.5118% | 2,264 |
| Net loans and leases to deposits | 110.5057% | 222 |
| Net loans and leases to core deposits | 113.9521% | 598 |
| Total domestic deposits to total assets | 61.9984% | 4,939 |
| Equity capital to assets | 10.4169% | 2,824 |
| Core capital (leverage) ratio | 10.7717% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,715,333 | 3,804 |
| Average earning assets | $107,855,333 | 3,774 |
| Average equity | $12,591,333 | 3,918 |
| Average total loans | $81,402,000 | 3,555 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5444% | 2,177 |
| Cost of funding earning assets | 1.4475% | 325 |
| Net interest margin | 3.0969% | 4,104 |
| Noninterest income to average assets | 0.1873% | 4,428 |
| Noninterest expense to average assets | 1.9023% | 4,542 |
| Loan and lease loss provision to assets | 0.0037% | 3,692 |
| Net operating income to assets | 0.9254% | 2,436 |
| Return on assets (ROA) | 0.9254% | 2,543 |
| Pretax return on assets | 1.2119% | 2,150 |
| Return on Equity (ROE) | 8.0866% | 2,482 |
| Retained earnings to average equity (ytd only) | 8.0866% | 1,206 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0130% | 3,614 |
| Assets per employee ($millions) | 8.8734% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 1,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 67.6535% | 2,592 |
| Net loans and leases to deposits | 113.4812% | 142 |
| Net loans and leases to core deposits | 117.8564% | 534 |
| Total domestic deposits to total assets | 59.6165% | 5,026 |
| Equity capital to assets | 10.9151% | 2,930 |
| Core capital (leverage) ratio | 12.0651% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,923,000 | 3,856 |
| Average earning assets | $103,072,000 | 3,835 |
| Average equity | $12,465,000 | 3,952 |
| Average total loans | $79,268,000 | 3,595 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2563% | 895 |
| Cost of funding earning assets | 1.5380% | 356 |
| Net interest margin | 3.7183% | 2,756 |
| Noninterest income to average assets | 0.2618% | 4,113 |
| Noninterest expense to average assets | 2.0435% | 4,462 |
| Loan and lease loss provision to assets | 0.0686% | 2,640 |
| Net operating income to assets | 1.2567% | 1,845 |
| Return on assets (ROA) | 1.2884% | 1,814 |
| Pretax return on assets | 1.6983% | 1,193 |
| Return on Equity (ROE) | 11.1727% | 1,818 |
| Retained earnings to average equity (ytd only) | 10.3224% | 434 |
| Net charge-offs to loans | -0.0101% | 4,473 |
| Credit loss provision to net charge-offs | -875.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2003% | 4,405 |
| Assets per employee ($millions) | 7.3209% | 925 |
| Cash dividends to net income (ytd only)* | 7.6104% | 3,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 1,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.2069% | 1,373 |
| Net loans and leases to deposits | 139.3854% | 21 |
| Net loans and leases to core deposits | 146.0198% | 143 |
| Total domestic deposits to total assets | 54.6735% | 5,112 |
| Equity capital to assets | 12.0390% | 2,113 |
| Core capital (leverage) ratio | 11.8691% | 1,858 |
| Tier 1 risk-based capital ratio | 15.6809% | 2,512 |
| Total risk-based capital ratio | 16.9366% | 2,445 |
| Memoranda: | ||
| Average total assets | $101,983,600 | 3,968 |
| Average earning assets | $96,226,600 | 3,938 |
| Average equity | $11,760,800 | 4,026 |
| Average total loans | $79,200,000 | 3,616 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3494% | 777 |
| Cost of funding earning assets | 1.5399% | 365 |
| Net interest margin | 3.8095% | 2,563 |
| Noninterest income to average assets | 0.2736% | 4,109 |
| Noninterest expense to average assets | 2.0381% | 4,480 |
| Loan and lease loss provision to assets | 0.0916% | 2,075 |
| Net operating income to assets | 1.3210% | 1,767 |
| Return on assets (ROA) | 1.3614% | 1,674 |
| Pretax return on assets | 1.7894% | 1,119 |
| Return on Equity (ROE) | 11.9370% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.3631% | 462 |
| Net charge-offs to loans | -0.0135% | 4,466 |
| Credit loss provision to net charge-offs | -875.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6904% | 4,537 |
| Assets per employee ($millions) | 7.1954% | 954 |
| Cash dividends to net income (ytd only)* | 4.8081% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 1,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 74.1463% | 1,786 |
| Net loans and leases to deposits | 137.3090% | 25 |
| Net loans and leases to core deposits | 140.6205% | 179 |
| Total domestic deposits to total assets | 53.9996% | 5,191 |
| Equity capital to assets | 12.0265% | 2,238 |
| Core capital (leverage) ratio | 12.0130% | 1,841 |
| Tier 1 risk-based capital ratio | 16.1024% | 2,391 |
| Total risk-based capital ratio | 17.3568% | 2,331 |
| Memoranda: | ||
| Average total assets | $101,856,500 | 4,014 |
| Average earning assets | $96,107,500 | 3,983 |
| Average equity | $11,616,250 | 4,084 |
| Average total loans | $79,175,000 | 3,654 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3586% | 726 |
| Cost of funding earning assets | 1.5381% | 332 |
| Net interest margin | 3.8204% | 2,516 |
| Noninterest income to average assets | 0.2172% | 4,447 |
| Noninterest expense to average assets | 1.9212% | 4,722 |
| Loan and lease loss provision to assets | 0.1174% | 1,597 |
| Net operating income to assets | 1.3416% | 1,612 |
| Return on assets (ROA) | 1.3988% | 1,498 |
| Pretax return on assets | 1.8566% | 925 |
| Return on Equity (ROE) | 12.4891% | 1,418 |
| Retained earnings to average equity (ytd only) | 11.6157% | 454 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2559% | 4,768 |
| Assets per employee ($millions) | 7.8203% | 712 |
| Cash dividends to net income (ytd only)* | 6.9930% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 1,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 74.8888% | 1,742 |
| Net loans and leases to deposits | 137.0690% | 29 |
| Net loans and leases to core deposits | 140.2893% | 194 |
| Total domestic deposits to total assets | 54.6359% | 5,236 |
| Equity capital to assets | 11.5970% | 2,524 |
| Core capital (leverage) ratio | 11.4790% | 2,189 |
| Tier 1 risk-based capital ratio | 15.2044% | 2,750 |
| Total risk-based capital ratio | 16.4585% | 2,681 |
| Memoranda: | ||
| Average total assets | $102,230,000 | 4,032 |
| Average earning assets | $96,481,000 | 3,998 |
| Average equity | $11,450,000 | 4,116 |
| Average total loans | $80,271,330 | 3,656 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3086% | 744 |
| Cost of funding earning assets | 1.5463% | 278 |
| Net interest margin | 3.7623% | 2,663 |
| Noninterest income to average assets | 0.3434% | 3,568 |
| Noninterest expense to average assets | 1.9081% | 4,788 |
| Loan and lease loss provision to assets | 0.1171% | 1,502 |
| Net operating income to assets | 1.4047% | 1,364 |
| Return on assets (ROA) | 1.4047% | 1,390 |
| Pretax return on assets | 1.8690% | 849 |
| Return on Equity (ROE) | 12.7660% | 1,291 |
| Retained earnings to average equity (ytd only) | 10.9929% | 801 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9980% | 4,894 |
| Assets per employee ($millions) | 7.8155% | 719 |
| Cash dividends to net income (ytd only)* | 13.8889% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 1,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 80.7799% | 747 |
| Net loans and leases to deposits | 146.9201% | 15 |
| Net loans and leases to core deposits | 158.4777% | 94 |
| Total domestic deposits to total assets | 54.9822% | 5,299 |
| Equity capital to assets | 11.2547% | 2,599 |
| Core capital (leverage) ratio | 11.0238% | 2,553 |
| Tier 1 risk-based capital ratio | 13.8328% | 3,436 |
| Total risk-based capital ratio | 15.0850% | 3,346 |
| Memoranda: | ||
| Average total assets | $102,513,000 | 4,063 |
| Average earning assets | $96,748,500 | 4,033 |
| Average equity | $11,280,000 | 4,154 |
| Average total loans | $81,751,000 | 3,660 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1042% | 836 |
| Cost of funding earning assets | 1.4452% | 112 |
| Net interest margin | 3.6590% | 3,192 |
| Noninterest income to average assets | 0.2390% | 4,484 |
| Noninterest expense to average assets | 2.0684% | 4,618 |
| Loan and lease loss provision to assets | 0.1854% | 1,045 |
| Net operating income to assets | 1.0888% | 2,650 |
| Return on assets (ROA) | 1.0888% | 2,643 |
| Pretax return on assets | 1.4328% | 2,019 |
| Return on Equity (ROE) | 10.0728% | 2,486 |
| Retained earnings to average equity (ytd only) | 9.5963% | 711 |
| Net charge-offs to loans | -0.0115% | 4,533 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1051% | 4,394 |
| Assets per employee ($millions) | 8.6187% | 528 |
| Cash dividends to net income (ytd only)* | 4.7304% | 3,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 1,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 76.5432% | 1,512 |
| Net loans and leases to deposits | 136.1188% | 28 |
| Net loans and leases to core deposits | 147.7161% | 144 |
| Total domestic deposits to total assets | 56.2326% | 5,343 |
| Equity capital to assets | 10.7567% | 2,925 |
| Core capital (leverage) ratio | 10.5206% | 3,008 |
| Tier 1 risk-based capital ratio | 13.7238% | 3,425 |
| Total risk-based capital ratio | 14.9750% | 3,347 |
| Memoranda: | ||
| Average total assets | $97,081,400 | 4,148 |
| Average earning assets | $91,473,200 | 4,121 |
| Average equity | $10,493,600 | 4,235 |
| Average total loans | $78,155,600 | 3,702 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0836% | 788 |
| Cost of funding earning assets | 1.3866% | 103 |
| Net interest margin | 3.6970% | 3,032 |
| Noninterest income to average assets | 0.2429% | 4,524 |
| Noninterest expense to average assets | 2.0957% | 4,566 |
| Loan and lease loss provision to assets | 0.2094% | 807 |
| Net operating income to assets | 1.0695% | 2,787 |
| Return on assets (ROA) | 1.0695% | 2,798 |
| Pretax return on assets | 1.4185% | 2,168 |
| Return on Equity (ROE) | 9.8813% | 2,676 |
| Retained earnings to average equity (ytd only) | 9.2363% | 1,137 |
| Net charge-offs to loans | -0.0155% | 4,538 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2805% | 4,349 |
| Assets per employee ($millions) | 8.7792% | 481 |
| Cash dividends to net income (ytd only)* | 6.5279% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 1,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 74.6777% | 1,877 |
| Net loans and leases to deposits | 130.4823% | 44 |
| Net loans and leases to core deposits | 142.3946% | 193 |
| Total domestic deposits to total assets | 57.2321% | 5,409 |
| Equity capital to assets | 10.2838% | 3,357 |
| Core capital (leverage) ratio | 10.2874% | 3,304 |
| Tier 1 risk-based capital ratio | 13.2529% | 3,756 |
| Total risk-based capital ratio | 14.5041% | 3,671 |
| Memoranda: | ||
| Average total assets | $95,495,750 | 4,219 |
| Average earning assets | $89,908,250 | 4,190 |
| Average equity | $10,335,750 | 4,302 |
| Average total loans | $77,624,250 | 3,745 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9839% | 855 |
| Cost of funding earning assets | 1.3244% | 103 |
| Net interest margin | 3.6595% | 3,082 |
| Noninterest income to average assets | 0.2473% | 4,524 |
| Noninterest expense to average assets | 2.1646% | 4,453 |
| Loan and lease loss provision to assets | 0.2603% | 591 |
| Net operating income to assets | 0.9587% | 3,198 |
| Return on assets (ROA) | 0.9587% | 3,202 |
| Pretax return on assets | 1.2623% | 2,662 |
| Return on Equity (ROE) | 8.6925% | 3,176 |
| Retained earnings to average equity (ytd only) | 8.6925% | 1,328 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7059% | 4,125 |
| Assets per employee ($millions) | 7.5262% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 1,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 77.8782% | 1,337 |
| Net loans and leases to deposits | 136.6156% | 22 |
| Net loans and leases to core deposits | 149.4127% | 123 |
| Total domestic deposits to total assets | 57.0053% | 5,472 |
| Equity capital to assets | 10.7931% | 2,841 |
| Core capital (leverage) ratio | 11.1278% | 2,412 |
| Tier 1 risk-based capital ratio | 13.6539% | 3,527 |
| Total risk-based capital ratio | 14.9050% | 3,445 |
| Memoranda: | ||
| Average total assets | $92,211,000 | 4,312 |
| Average earning assets | $86,679,330 | 4,282 |
| Average equity | $10,169,670 | 4,359 |
| Average total loans | $76,912,330 | 3,779 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0133% | 681 |
| Cost of funding earning assets | 1.2676% | 101 |
| Net interest margin | 3.7457% | 2,632 |
| Noninterest income to average assets | 0.2595% | 4,439 |
| Noninterest expense to average assets | 2.2462% | 4,311 |
| Loan and lease loss provision to assets | 0.2685% | 517 |
| Net operating income to assets | 0.9531% | 3,064 |
| Return on assets (ROA) | 0.9531% | 3,083 |
| Pretax return on assets | 1.2618% | 2,507 |
| Return on Equity (ROE) | 8.5418% | 3,132 |
| Retained earnings to average equity (ytd only) | 8.5418% | 1,646 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4787% | 4,133 |
| Assets per employee ($millions) | 6.9716% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 2,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 84.1533% | 426 |
| Net loans and leases to deposits | 156.5134% | 10 |
| Net loans and leases to core deposits | 205.6101% | 38 |
| Total domestic deposits to total assets | 53.7675% | 5,548 |
| Equity capital to assets | 11.3990% | 2,217 |
| Core capital (leverage) ratio | 11.6808% | 1,871 |
| Tier 1 risk-based capital ratio | 13.4550% | 3,687 |
| Total risk-based capital ratio | 14.7079% | 3,602 |
| Memoranda: | ||
| Average total assets | $89,396,500 | 4,409 |
| Average earning assets | $83,936,500 | 4,375 |
| Average equity | $9,974,500 | 4,429 |
| Average total loans | $76,746,500 | 3,812 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0193% | 623 |
| Cost of funding earning assets | 1.1332% | 108 |
| Net interest margin | 3.8860% | 2,128 |
| Noninterest income to average assets | 0.2873% | 4,412 |
| Noninterest expense to average assets | 2.0779% | 4,817 |
| Loan and lease loss provision to assets | 0.2814% | 630 |
| Net operating income to assets | 0.9885% | 2,300 |
| Return on assets (ROA) | 0.9885% | 2,332 |
| Pretax return on assets | 1.5631% | 1,406 |
| Return on Equity (ROE) | 9.1692% | 2,234 |
| Retained earnings to average equity (ytd only) | 8.5166% | 613 |
| Net charge-offs to loans | 0.1013% | 2,057 |
| Credit loss provision to net charge-offs | 328.7671% | 874 |
| Earnings coverage of net charge-offs (x) | 21.5479% | 1,896 |
| Efficiency ratio | 52.8550% | 5,049 |
| Assets per employee ($millions) | 6.7817% | 1,064 |
| Cash dividends to net income (ytd only)* | 7.1174% | 3,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 2,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 85.4200% | 298 |
| Net loans and leases to deposits | 153.1397% | 10 |
| Net loans and leases to core deposits | 193.4745% | 42 |
| Total domestic deposits to total assets | 55.7791% | 5,608 |
| Equity capital to assets | 10.9095% | 2,723 |
| Core capital (leverage) ratio | 10.8147% | 2,523 |
| Tier 1 risk-based capital ratio | 12.9104% | 3,963 |
| Total risk-based capital ratio | 14.1615% | 3,861 |
| Memoranda: | ||
| Average total assets | $85,279,400 | 4,496 |
| Average earning assets | $79,772,800 | 4,467 |
| Average equity | $9,193,800 | 4,581 |
| Average total loans | $72,073,600 | 3,915 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 693 |
| Cost of funding earning assets | 1.0898% | 120 |
| Net interest margin | 3.8513% | 2,220 |
| Noninterest income to average assets | 0.2917% | 4,446 |
| Noninterest expense to average assets | 2.0640% | 4,817 |
| Loan and lease loss provision to assets | 0.2838% | 572 |
| Net operating income to assets | 0.9744% | 2,664 |
| Return on assets (ROA) | 0.9744% | 2,723 |
| Pretax return on assets | 1.5437% | 1,602 |
| Return on Equity (ROE) | 9.0669% | 2,568 |
| Retained earnings to average equity (ytd only) | 8.1866% | 1,144 |
| Net charge-offs to loans | 0.0019% | 3,703 |
| Credit loss provision to net charge-offs | 18,000.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 1,161.8722% | 85 |
| Efficiency ratio | 52.9173% | 5,022 |
| Assets per employee ($millions) | 7.2891% | 830 |
| Cash dividends to net income (ytd only)* | 9.7090% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 2,717 |
| Loan loss allowance to noncurrent loans | 1,304.1667% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 4,825 |
| Noncurrent loans to loans | 0.0948% | 4,688 |
| Net loans and leases to total assets | 85.7710% | 270 |
| Net loans and leases to deposits | 153.8239% | 9 |
| Net loans and leases to core deposits | 192.5148% | 44 |
| Total domestic deposits to total assets | 55.7592% | 5,674 |
| Equity capital to assets | 10.7398% | 3,125 |
| Core capital (leverage) ratio | 10.5796% | 2,903 |
| Tier 1 risk-based capital ratio | 12.4758% | 4,331 |
| Total risk-based capital ratio | 13.7267% | 4,247 |
| Memoranda: | ||
| Average total assets | $84,558,750 | 4,550 |
| Average earning assets | $79,035,500 | 4,522 |
| Average equity | $9,087,750 | 4,644 |
| Average total loans | $71,033,000 | 3,970 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8346% | 797 |
| Cost of funding earning assets | 1.0279% | 148 |
| Net interest margin | 3.8067% | 2,263 |
| Noninterest income to average assets | 0.2943% | 4,434 |
| Noninterest expense to average assets | 2.0553% | 4,866 |
| Loan and lease loss provision to assets | 0.2871% | 545 |
| Net operating income to assets | 0.9571% | 2,623 |
| Return on assets (ROA) | 0.9571% | 2,685 |
| Pretax return on assets | 1.5050% | 1,614 |
| Return on Equity (ROE) | 8.9031% | 2,554 |
| Retained earnings to average equity (ytd only) | 7.5676% | 1,323 |
| Net charge-offs to loans | 0.0029% | 3,398 |
| Credit loss provision to net charge-offs | 12,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 749.0000% | 104 |
| Efficiency ratio | 53.2960% | 5,073 |
| Assets per employee ($millions) | 7.9714% | 628 |
| Cash dividends to net income (ytd only)* | 15.0000% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 3,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 83.2970% | 513 |
| Net loans and leases to deposits | 137.1290% | 28 |
| Net loans and leases to core deposits | 186.3002% | 52 |
| Total domestic deposits to total assets | 60.7436% | 5,696 |
| Equity capital to assets | 10.4647% | 3,388 |
| Core capital (leverage) ratio | 11.1805% | 2,240 |
| Tier 1 risk-based capital ratio | 12.3519% | 4,386 |
| Total risk-based capital ratio | 13.5520% | 4,315 |
| Memoranda: | ||
| Average total assets | $83,588,670 | 4,597 |
| Average earning assets | $78,020,670 | 4,565 |
| Average equity | $8,985,670 | 4,683 |
| Average total loans | $69,390,000 | 4,033 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7220% | 894 |
| Cost of funding earning assets | 1.0412% | 137 |
| Net interest margin | 3.6809% | 2,559 |
| Noninterest income to average assets | 0.2992% | 4,418 |
| Noninterest expense to average assets | 2.1290% | 4,795 |
| Loan and lease loss provision to assets | 0.2943% | 471 |
| Net operating income to assets | 0.8290% | 3,083 |
| Return on assets (ROA) | 0.8290% | 3,140 |
| Pretax return on assets | 1.3098% | 2,200 |
| Return on Equity (ROE) | 7.6036% | 3,114 |
| Retained earnings to average equity (ytd only) | 4.9041% | 2,943 |
| Net charge-offs to loans | 0.0060% | 2,766 |
| Credit loss provision to net charge-offs | 6,000.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 327.0000% | 185 |
| Efficiency ratio | 56.8988% | 4,846 |
| Assets per employee ($millions) | 7.3173% | 815 |
| Cash dividends to net income (ytd only)* | 35.5030% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 3,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 4,686 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 84.0253% | 363 |
| Net loans and leases to deposits | 125.6960% | 52 |
| Net loans and leases to core deposits | 157.7496% | 84 |
| Total domestic deposits to total assets | 66.8481% | 5,697 |
| Equity capital to assets | 11.1132% | 2,517 |
| Core capital (leverage) ratio | 10.8921% | 2,489 |
| Tier 1 risk-based capital ratio | 13.2387% | 3,918 |
| Total risk-based capital ratio | 14.4645% | 3,857 |
| Memoranda: | ||
| Average total assets | $81,540,500 | 4,684 |
| Average earning assets | $76,069,000 | 4,652 |
| Average equity | $8,890,500 | 4,735 |
| Average total loans | $67,125,500 | 4,111 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8499% | 802 |
| Cost of funding earning assets | 0.8107% | 474 |
| Net interest margin | 4.0392% | 1,526 |
| Noninterest income to average assets | 0.4000% | 3,883 |
| Noninterest expense to average assets | 2.3354% | 4,470 |
| Loan and lease loss provision to assets | 0.3297% | 540 |
| Net operating income to assets | 0.9743% | 2,465 |
| Return on assets (ROA) | 0.9743% | 2,572 |
| Pretax return on assets | 1.4798% | 1,657 |
| Return on Equity (ROE) | 7.9976% | 2,936 |
| Retained earnings to average equity (ytd only) | 7.9976% | 857 |
| Net charge-offs to loans | 0.0090% | 3,958 |
| Credit loss provision to net charge-offs | 4,500.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 288 |
| Efficiency ratio | 56.2036% | 5,048 |
| Assets per employee ($millions) | 7.5083% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 3,393 |
| Loan loss allowance to noncurrent loans | 656.0345% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 4,747 |
| Noncurrent loans to loans | 0.1763% | 4,530 |
| Net loans and leases to total assets | 78.7471% | 1,081 |
| Net loans and leases to deposits | 115.5574% | 136 |
| Net loans and leases to core deposits | 132.0917% | 260 |
| Total domestic deposits to total assets | 68.1454% | 5,713 |
| Equity capital to assets | 10.6985% | 2,925 |
| Core capital (leverage) ratio | 11.9994% | 1,600 |
| Tier 1 risk-based capital ratio | 13.1783% | 3,958 |
| Total risk-based capital ratio | 14.3242% | 3,932 |
| Memoranda: | ||
| Average total assets | $68,252,800 | 4,971 |
| Average earning assets | $63,279,200 | 4,957 |
| Average equity | $8,315,000 | 4,883 |
| Average total loans | $55,393,600 | 4,421 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9412% | 671 |
| Cost of funding earning assets | 0.8142% | 464 |
| Net interest margin | 4.1270% | 1,319 |
| Noninterest income to average assets | 0.4330% | 3,673 |
| Noninterest expense to average assets | 2.4246% | 4,213 |
| Loan and lease loss provision to assets | 0.3402% | 474 |
| Net operating income to assets | 1.0103% | 2,386 |
| Return on assets (ROA) | 1.0103% | 2,521 |
| Pretax return on assets | 1.4824% | 1,765 |
| Return on Equity (ROE) | 7.9822% | 3,013 |
| Retained earnings to average equity (ytd only) | 7.9822% | 1,182 |
| Net charge-offs to loans | 0.0126% | 3,511 |
| Credit loss provision to net charge-offs | 3,300.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 176.7076% | 408 |
| Efficiency ratio | 56.9417% | 4,955 |
| Assets per employee ($millions) | 6.3960% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 3,474 |
| Loan loss allowance to noncurrent loans | 604.3103% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 4,772 |
| Noncurrent loans to loans | 0.1923% | 4,581 |
| Net loans and leases to total assets | 84.7618% | 345 |
| Net loans and leases to deposits | 121.4785% | 100 |
| Net loans and leases to core deposits | 133.2507% | 258 |
| Total domestic deposits to total assets | 69.7751% | 5,710 |
| Equity capital to assets | 12.3088% | 1,889 |
| Core capital (leverage) ratio | 13.2516% | 1,089 |
| Tier 1 risk-based capital ratio | 14.2102% | 3,453 |
| Total risk-based capital ratio | 15.3721% | 3,417 |
| Memoranda: | ||
| Average total assets | $64,668,250 | 5,083 |
| Average earning assets | $59,767,500 | 5,070 |
| Average equity | $8,184,750 | 4,950 |
| Average total loans | $52,792,250 | 4,532 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0185% | 573 |
| Cost of funding earning assets | 0.7938% | 511 |
| Net interest margin | 4.2246% | 1,070 |
| Noninterest income to average assets | 0.4461% | 3,550 |
| Noninterest expense to average assets | 2.4278% | 4,240 |
| Loan and lease loss provision to assets | 0.3345% | 492 |
| Net operating income to assets | 1.1470% | 1,784 |
| Return on assets (ROA) | 1.1470% | 1,902 |
| Pretax return on assets | 1.5835% | 1,417 |
| Return on Equity (ROE) | 8.9705% | 2,503 |
| Retained earnings to average equity (ytd only) | 8.9705% | 855 |
| Net charge-offs to loans | 0.0159% | 3,201 |
| Credit loss provision to net charge-offs | 2,625.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 150.5000% | 413 |
| Efficiency ratio | 55.7185% | 5,170 |
| Assets per employee ($millions) | 6.5100% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 3,842 |
| Loan loss allowance to noncurrent loans | 482.7068% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 4,746 |
| Noncurrent loans to loans | 0.2320% | 4,512 |
| Net loans and leases to total assets | 79.1719% | 1,041 |
| Net loans and leases to deposits | 101.9199% | 567 |
| Net loans and leases to core deposits | 109.6530% | 949 |
| Total domestic deposits to total assets | 77.6805% | 5,055 |
| Equity capital to assets | 11.9117% | 2,184 |
| Core capital (leverage) ratio | 13.7598% | 883 |
| Tier 1 risk-based capital ratio | 14.4625% | 3,339 |
| Total risk-based capital ratio | 15.5626% | 3,350 |
| Memoranda: | ||
| Average total assets | $62,772,330 | 5,180 |
| Average earning assets | $57,946,000 | 5,172 |
| Average equity | $8,026,330 | 5,017 |
| Average total loans | $50,277,670 | 4,636 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5776% | 229 |
| Cost of funding earning assets | 0.8075% | 476 |
| Net interest margin | 4.7701% | 382 |
| Noninterest income to average assets | 0.4524% | 3,463 |
| Noninterest expense to average assets | 2.7076% | 3,385 |
| Loan and lease loss provision to assets | 0.3085% | 504 |
| Net operating income to assets | 1.4189% | 1,011 |
| Return on assets (ROA) | 1.4189% | 1,065 |
| Pretax return on assets | 1.8097% | 836 |
| Return on Equity (ROE) | 10.6502% | 1,728 |
| Retained earnings to average equity (ytd only) | 10.6502% | 715 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9659% | 5,193 |
| Assets per employee ($millions) | 4.5655% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 3,816 |
| Loan loss allowance to noncurrent loans | 5,327.2727% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 5,572 |
| Noncurrent loans to loans | 0.0215% | 5,417 |
| Net loans and leases to total assets | 85.3768% | 267 |
| Net loans and leases to deposits | 124.8417% | 62 |
| Net loans and leases to core deposits | 143.0523% | 145 |
| Total domestic deposits to total assets | 68.3881% | 5,917 |
| Equity capital to assets | 14.1160% | 941 |
| Core capital (leverage) ratio | 14.3077% | 736 |
| Tier 1 risk-based capital ratio | 16.1436% | 2,611 |
| Total risk-based capital ratio | 17.2852% | 2,616 |
| Memoranda: | ||
| Average total assets | $58,353,500 | 5,331 |
| Average earning assets | $53,500,000 | 5,329 |
| Average equity | $7,774,500 | 5,092 |
| Average total loans | $46,748,000 | 4,777 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 628 |
| Cost of funding earning assets | 0.7463% | 652 |
| Net interest margin | 4.2532% | 1,058 |
| Noninterest income to average assets | 0.5860% | 2,797 |
| Noninterest expense to average assets | 3.4880% | 1,305 |
| Loan and lease loss provision to assets | 0.6860% | 149 |
| Net operating income to assets | 0.1535% | 5,670 |
| Return on assets (ROA) | 0.1535% | 5,719 |
| Pretax return on assets | 0.2023% | 5,684 |
| Return on Equity (ROE) | 0.9304% | 5,784 |
| Retained earnings to average equity (ytd only) | 0.9304% | 5,146 |
| Net charge-offs to loans | 0.0061% | 4,239 |
| Credit loss provision to net charge-offs | 14,750.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 348 |
| Efficiency ratio | 79.4899% | 1,744 |
| Assets per employee ($millions) | 4.7797% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 3,012 |
| Loan loss allowance to noncurrent loans | 4,508.3333% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 5,608 |
| Noncurrent loans to loans | 0.0284% | 5,398 |
| Net loans and leases to total assets | 72.6986% | 1,939 |
| Net loans and leases to deposits | 96.8639% | 915 |
| Net loans and leases to core deposits | 107.9143% | 976 |
| Total domestic deposits to total assets | 75.0523% | 5,550 |
| Equity capital to assets | 12.5026% | 1,623 |
| Core capital (leverage) ratio | 13.1529% | 1,093 |
| Tier 1 risk-based capital ratio | 16.0585% | 2,661 |
| Total risk-based capital ratio | 17.2794% | 2,616 |
| Memoranda: | ||
| Average total assets | $43,005,200 | 5,705 |
| Average earning assets | $38,324,000 | 5,721 |
| Average equity | $7,093,600 | 5,227 |
| Average total loans | $32,777,400 | 5,266 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1468% | 473 |
| Cost of funding earning assets | 0.7210% | 751 |
| Net interest margin | 4.4258% | 756 |
| Noninterest income to average assets | 0.6156% | 2,658 |
| Noninterest expense to average assets | 3.6835% | 998 |
| Loan and lease loss provision to assets | 0.7442% | 102 |
| Net operating income to assets | 0.0913% | 5,861 |
| Return on assets (ROA) | 0.0913% | 5,898 |
| Pretax return on assets | 0.0913% | 5,899 |
| Return on Equity (ROE) | 0.5089% | 5,920 |
| Retained earnings to average equity (ytd only) | 0.5089% | 5,472 |
| Net charge-offs to loans | 0.0044% | 4,022 |
| Credit loss provision to net charge-offs | 22,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 247.6165% | 285 |
| Efficiency ratio | 81.2874% | 1,490 |
| Assets per employee ($millions) | 4.3016% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 4,241 |
| Loan loss allowance to noncurrent loans | 3,592.3077% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 5,697 |
| Noncurrent loans to loans | 0.0306% | 5,499 |
| Net loans and leases to total assets | 81.5242% | 637 |
| Net loans and leases to deposits | 112.8416% | 191 |
| Net loans and leases to core deposits | 119.5749% | 487 |
| Total domestic deposits to total assets | 72.2467% | 5,844 |
| Equity capital to assets | 13.8166% | 1,096 |
| Core capital (leverage) ratio | 14.6730% | 702 |
| Tier 1 risk-based capital ratio | 16.0721% | 2,763 |
| Total risk-based capital ratio | 17.1339% | 2,790 |
| Memoranda: | ||
| Average total assets | $39,417,500 | 5,852 |
| Average earning assets | $34,765,000 | 5,874 |
| Average equity | $7,074,250 | 5,298 |
| Average total loans | $30,412,250 | 5,407 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2043% | 424 |
| Cost of funding earning assets | 0.6709% | 989 |
| Net interest margin | 4.5334% | 596 |
| Noninterest income to average assets | 0.6110% | 2,676 |
| Noninterest expense to average assets | 4.0396% | 646 |
| Loan and lease loss provision to assets | 0.9052% | 82 |
| Net operating income to assets | -0.3960% | 6,161 |
| Return on assets (ROA) | -0.3960% | 6,174 |
| Pretax return on assets | -0.3960% | 6,165 |
| Return on Equity (ROE) | -1.9844% | 6,128 |
| Retained earnings to average equity (ytd only) | -1.9844% | 5,825 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5572% | 872 |
| Assets per employee ($millions) | 3.6168% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 4,436 |
| Loan loss allowance to noncurrent loans | 242.8571% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 4,352 |
| Noncurrent loans to loans | 0.4451% | 4,143 |
| Net loans and leases to total assets | 86.0280% | 240 |
| Net loans and leases to deposits | 127.4953% | 55 |
| Net loans and leases to core deposits | 136.5705% | 197 |
| Total domestic deposits to total assets | 67.4754% | 6,132 |
| Equity capital to assets | 16.2093% | 498 |
| Core capital (leverage) ratio | 16.9908% | 367 |
| Tier 1 risk-based capital ratio | 17.8426% | 2,117 |
| Total risk-based capital ratio | 18.8868% | 2,128 |
| Memoranda: | ||
| Average total assets | $35,350,330 | 6,009 |
| Average earning assets | $30,705,330 | 6,033 |
| Average equity | $7,055,000 | 5,346 |
| Average total loans | $26,366,670 | 5,619 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3030% | 353 |
| Cost of funding earning assets | 0.5992% | 1,444 |
| Net interest margin | 4.7038% | 406 |
| Noninterest income to average assets | 1.0088% | 1,101 |
| Noninterest expense to average assets | 5.1460% | 273 |
| Loan and lease loss provision to assets | 0.8939% | 96 |
| Net operating income to assets | -1.0215% | 6,323 |
| Return on assets (ROA) | -1.0215% | 6,326 |
| Pretax return on assets | -1.0215% | 6,314 |
| Return on Equity (ROE) | -4.5294% | 6,250 |
| Retained earnings to average equity (ytd only) | -4.5294% | 5,898 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2901% | 309 |
| Assets per employee ($millions) | 3.0378% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 4,015 |
| Loan loss allowance to noncurrent loans | 173.7705% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 3,986 |
| Noncurrent loans to loans | 0.6874% | 3,557 |
| Net loans and leases to total assets | 72.1539% | 1,782 |
| Net loans and leases to deposits | 108.9873% | 235 |
| Net loans and leases to core deposits | 110.1327% | 739 |
| Total domestic deposits to total assets | 66.2040% | 6,241 |
| Equity capital to assets | 19.2709% | 255 |
| Core capital (leverage) ratio | 21.6719% | 143 |
| Tier 1 risk-based capital ratio | 23.9828% | 996 |
| Total risk-based capital ratio | 25.0784% | 997 |
| Memoranda: | ||
| Average total assets | $31,325,000 | 6,152 |
| Average earning assets | $26,702,000 | 6,167 |
| Average equity | $7,065,000 | 5,391 |
| Average total loans | $20,677,500 | 5,871 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7841% | 1,146 |
| Cost of funding earning assets | 0.2153% | 5,624 |
| Net interest margin | 4.5688% | 658 |
| Noninterest income to average assets | 2.7819% | 209 |
| Noninterest expense to average assets | 7.5701% | 119 |
| Loan and lease loss provision to assets | 2.0787% | 24 |
| Net operating income to assets | -2.9164% | 6,475 |
| Return on assets (ROA) | -2.9164% | 6,476 |
| Pretax return on assets | -2.9164% | 6,474 |
| Return on Equity (ROE) | -14.2151% | 6,407 |
| Retained earnings to average equity (ytd only) | -14.2151% | 6,378 |
| Net charge-offs to loans | 0.0227% | 4,386 |
| Credit loss provision to net charge-offs | 20,100.0000% | 11 |
| Earnings coverage of net charge-offs (x) | -81.0000% | 4,956 |
| Efficiency ratio | 107.2197% | 248 |
| Assets per employee ($millions) | 2.1830% | 6,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6832% | 1,817 |
| Loan loss allowance to noncurrent loans | 1,653.3333% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 5,678 |
| Noncurrent loans to loans | 0.1018% | 5,488 |
| Net loans and leases to total assets | 55.2985% | 4,410 |
| Net loans and leases to deposits | 75.9065% | 3,208 |
| Net loans and leases to core deposits | 75.9065% | 3,716 |
| Total domestic deposits to total assets | 72.8508% | 6,030 |
| Equity capital to assets | 27.1225% | 79 |
| Core capital (leverage) ratio | 35.1339% | 57 |
| Tier 1 risk-based capital ratio | 37.8642% | 266 |
| Total risk-based capital ratio | 39.1174% | 267 |
| Memoranda: | ||
| Average total assets | $9,669,600 | 6,498 |
| Average earning assets | $8,361,000 | 6,485 |
| Average equity | $1,983,800 | 6,402 |
| Average total loans | $4,396,600 | 6,445 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 2,851 |
| Cost of funding earning assets | 0.1046% | 6,399 |
| Net interest margin | 4.1330% | 1,479 |
| Noninterest income to average assets | 4.5984% | 132 |
| Noninterest expense to average assets | 10.3525% | 69 |
| Loan and lease loss provision to assets | 0.7223% | 175 |
| Net operating income to assets | -2.6724% | 6,551 |
| Return on assets (ROA) | -2.6242% | 6,550 |
| Pretax return on assets | -2.6242% | 6,548 |
| Return on Equity (ROE) | -20.6581% | 6,514 |
| Retained earnings to average equity (ytd only) | -20.6581% | 6,494 |
| Net charge-offs to loans | 0.0734% | 3,143 |
| Credit loss provision to net charge-offs | 3,000.0000% | 125 |
| Earnings coverage of net charge-offs (x) | -81.2030% | 4,685 |
| Efficiency ratio | 116.0458% | 157 |
| Assets per employee ($millions) | 1.5254% | 6,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6895% | 495 |
| Loan loss allowance to noncurrent loans | 481.2500% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 5,319 |
| Noncurrent loans to loans | 0.5589% | 4,243 |
| Net loans and leases to total assets | 26.0910% | 6,356 |
| Net loans and leases to deposits | 28.5744% | 6,386 |
| Net loans and leases to core deposits | 28.5744% | 6,405 |
| Total domestic deposits to total assets | 91.3092% | 277 |
| Equity capital to assets | 8.6720% | 5,663 |
| Core capital (leverage) ratio | 10.2230% | 3,380 |
| Tier 1 risk-based capital ratio | 21.1174% | 1,429 |
| Total risk-based capital ratio | 22.3717% | 1,404 |
| Memoranda: | ||
| Average total assets | $5,538,000 | 6,592 |
| Average earning assets | $5,097,000 | 6,575 |
| Average equity | $703,500 | 6,584 |
| Average total loans | $1,812,250 | 6,547 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 1,606 |
| Cost of funding earning assets | 0.1758% | 6,103 |
| Net interest margin | 4.3954% | 855 |
| Noninterest income to average assets | 6.6934% | 92 |
| Noninterest expense to average assets | 13.2299% | 53 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.6146% | 6,618 |
| Return on assets (ROA) | -2.4577% | 6,611 |
| Pretax return on assets | -2.4577% | 6,605 |
| Return on Equity (ROE) | -14.9365% | 6,550 |
| Retained earnings to average equity (ytd only) | -14.9365% | 6,495 |
| Net charge-offs to loans | -0.1368% | 6,236 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.2562% | 175 |
| Assets per employee ($millions) | 1.3313% | 6,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1809% | 315 |
| Loan loss allowance to noncurrent loans | 4,800.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 5,430 |
| Noncurrent loans to loans | 0.0663% | 5,826 |
| Net loans and leases to total assets | 36.5799% | 6,026 |
| Net loans and leases to deposits | 48.5705% | 5,737 |
| Net loans and leases to core deposits | 48.5705% | 5,874 |
| Total domestic deposits to total assets | 75.3130% | 5,992 |
| Equity capital to assets | 24.6870% | 96 |
| Core capital (leverage) ratio | 26.4556% | 76 |
| Tier 1 risk-based capital ratio | 50.4348% | 131 |
| Total risk-based capital ratio | 51.7136% | 131 |
| Memoranda: | ||
| Average total assets | $3,824,670 | 6,663 |
| Average earning assets | $3,412,670 | 6,651 |
| Average equity | $629,330 | 6,654 |
| Average total loans | $1,462,000 | 6,615 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8657% | 917 |
| Cost of funding earning assets | 0.1187% | 6,501 |
| Net interest margin | 4.7471% | 422 |
| Noninterest income to average assets | 6.7380% | 87 |
| Noninterest expense to average assets | 12.1925% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.1765% | 6,599 |
| Return on assets (ROA) | -1.4973% | 6,626 |
| Pretax return on assets | -1.4973% | 6,611 |
| Return on Equity (ROE) | -12.4169% | 6,587 |
| Retained earnings to average equity (ytd only) | -12.4169% | 6,427 |
| Net charge-offs to loans | -0.2781% | 6,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6796% | 255 |
| Assets per employee ($millions) | 1.2550% | 6,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4115% | 288 |
| Loan loss allowance to noncurrent loans | 4,800.0000% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.2656% | 5,381 |
| Noncurrent loans to loans | 0.0711% | 5,927 |
| Net loans and leases to total assets | 36.0956% | 6,066 |
| Net loans and leases to deposits | 41.6743% | 6,093 |
| Net loans and leases to core deposits | 41.6743% | 6,168 |
| Total domestic deposits to total assets | 86.6135% | 3,034 |
| Equity capital to assets | 11.7928% | 2,016 |
| Core capital (leverage) ratio | 12.4126% | 1,426 |
| Tier 1 risk-based capital ratio | 24.4628% | 941 |
| Total risk-based capital ratio | 25.7300% | 925 |
| Memoranda: | ||
| Average total assets | $3,740,000 | 6,736 |
| Average earning assets | $3,370,500 | 6,724 |
| Average equity | $451,000 | 6,727 |
| Average total loans | $1,438,500 | 6,685 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6615% | 1,683 |
| Cost of funding earning assets | 0.2178% | 6,193 |
| Net interest margin | 4.4437% | 833 |
| Noninterest income to average assets | 11.1044% | 58 |
| Noninterest expense to average assets | 15.2272% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -1.0533% | 6,618 |
| Return on assets (ROA) | -1.0533% | 6,616 |
| Pretax return on assets | -1.0533% | 6,600 |
| Return on Equity (ROE) | -7.1429% | 6,540 |
| Retained earnings to average equity (ytd only) | -7.1429% | 6,468 |
| Net charge-offs to loans | 1.0272% | 554 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -2.6923% | 5,344 |
| Efficiency ratio | 107.4310% | 313 |
| Assets per employee ($millions) | 1.2383% | 6,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2653% | 347 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4307% | 4,957 |
| Noncurrent loans to loans | 1.0884% | 3,358 |
| Net loans and leases to total assets | 38.2773% | 6,071 |
| Net loans and leases to deposits | 44.7733% | 6,083 |
| Net loans and leases to core deposits | 44.7733% | 6,189 |
| Total domestic deposits to total assets | 85.4913% | 3,514 |
| Equity capital to assets | 12.3284% | 1,609 |
| Core capital (leverage) ratio | 11.6599% | 1,852 |
| Tier 1 risk-based capital ratio | 24.7568% | 875 |
| Total risk-based capital ratio | 26.0541% | 861 |
| Memoranda: | ||
| Average total assets | $3,323,000 | 6,821 |
| Average earning assets | $2,295,400 | 6,810 |
| Average equity | $490,000 | 6,811 |
| Average total loans | $1,265,600 | 6,771 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5577% | 2,013 |
| Cost of funding earning assets | 0.1953% | 6,417 |
| Net interest margin | 4.3623% | 964 |
| Noninterest income to average assets | 10.5423% | 67 |
| Noninterest expense to average assets | 13.8499% | 56 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.5374% | 6,615 |
| Return on assets (ROA) | -0.5374% | 6,625 |
| Pretax return on assets | -0.5374% | 6,612 |
| Return on Equity (ROE) | -3.4799% | 6,545 |
| Retained earnings to average equity (ytd only) | -3.4799% | 6,393 |
| Net charge-offs to loans | 1.4269% | 340 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 5,011 |
| Efficiency ratio | 96.2733% | 608 |
| Assets per employee ($millions) | 1.0090% | 6,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8747% | 260 |
| Loan loss allowance to noncurrent loans | 293.7500% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5286% | 4,857 |
| Noncurrent loans to loans | 1.3190% | 3,211 |
| Net loans and leases to total assets | 38.5200% | 6,141 |
| Net loans and leases to deposits | 45.7973% | 6,116 |
| Net loans and leases to core deposits | 45.7973% | 6,221 |
| Total domestic deposits to total assets | 84.1097% | 4,145 |
| Equity capital to assets | 15.8573% | 573 |
| Core capital (leverage) ratio | 14.0064% | 871 |
| Tier 1 risk-based capital ratio | 26.2438% | 770 |
| Total risk-based capital ratio | 27.5560% | 750 |
| Memoranda: | ||
| Average total assets | $3,225,000 | 6,900 |
| Average earning assets | $2,047,750 | 6,889 |
| Average equity | $498,000 | 6,889 |
| Average total loans | $1,214,500 | 6,848 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9213% | 1,047 |
| Cost of funding earning assets | 0.1969% | 6,493 |
| Net interest margin | 4.7244% | 486 |
| Noninterest income to average assets | 10.8174% | 64 |
| Noninterest expense to average assets | 13.0659% | 56 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6685% | 3,974 |
| Return on assets (ROA) | 0.6685% | 4,130 |
| Pretax return on assets | 0.6685% | 4,784 |
| Return on Equity (ROE) | 4.3651% | 5,066 |
| Retained earnings to average equity (ytd only) | 4.3651% | 3,496 |
| Net charge-offs to loans | 2.3045% | 171 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.7857% | 4,268 |
| Efficiency ratio | 87.6106% | 1,264 |
| Assets per employee ($millions) | 0.7480% | 6,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8705% | 127 |
| Loan loss allowance to noncurrent loans | 783.3333% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 5,891 |
| Noncurrent loans to loans | 0.6218% | 4,700 |
| Net loans and leases to total assets | 30.6818% | 6,554 |
| Net loans and leases to deposits | 36.9268% | 6,523 |
| Net loans and leases to core deposits | 36.9268% | 6,571 |
| Total domestic deposits to total assets | 83.0882% | 4,670 |
| Equity capital to assets | 16.9118% | 425 |
| Core capital (leverage) ratio | 16.4126% | 423 |
| Tier 1 risk-based capital ratio | 30.5556% | 495 |
| Total risk-based capital ratio | 31.8237% | 496 |
| Memoranda: | ||
| Average total assets | $3,291,000 | 6,949 |
| Average earning assets | $2,032,000 | 6,938 |
| Average equity | $504,000 | 6,938 |
| Average total loans | $1,215,000 | 6,896 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4926% | 5,722 |
| Cost of funding earning assets | 0.1940% | 6,604 |
| Net interest margin | 3.2986% | 4,524 |
| Noninterest income to average assets | 10.8124% | 65 |
| Noninterest expense to average assets | 10.5799% | 75 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2090% | 239 |
| Return on assets (ROA) | 2.2090% | 263 |
| Pretax return on assets | 2.2090% | 415 |
| Return on Equity (ROE) | 15.1093% | 744 |
| Retained earnings to average equity (ytd only) | 15.1093% | 343 |
| Net charge-offs to loans | 0.5970% | 1,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,824 |
| Efficiency ratio | 75.4545% | 3,016 |
| Assets per employee ($millions) | 0.8370% | 6,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4140% | 210 |
| Loan loss allowance to noncurrent loans | 22.3938% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 7.7360% | 332 |
| Noncurrent loans to loans | 19.7108% | 28 |
| Net loans and leases to total assets | 37.5149% | 6,181 |
| Net loans and leases to deposits | 44.3034% | 6,182 |
| Net loans and leases to core deposits | 44.3034% | 6,299 |
| Total domestic deposits to total assets | 84.6774% | 4,187 |
| Equity capital to assets | 15.3226% | 677 |
| Core capital (leverage) ratio | 13.8200% | 845 |
| Tier 1 risk-based capital ratio | 25.9091% | 793 |
| Total risk-based capital ratio | 27.1717% | 780 |
| Memoranda: | ||
| Average total assets | $3,440,500 | 7,027 |
| Average earning assets | $2,061,500 | 7,016 |
| Average equity | $503,000 | 7,013 |
| Average total loans | $1,340,000 | 6,973 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1689% | 69 |
| Cost of funding earning assets | 0.4860% | 5,314 |
| Net interest margin | 6.6829% | 58 |
| Noninterest income to average assets | 12.3160% | 61 |
| Noninterest expense to average assets | 15.0195% | 51 |
| Loan and lease loss provision to assets | 0.2253% | 2,877 |
| Net operating income to assets | -0.1752% | 6,357 |
| Return on assets (ROA) | 0.0501% | 6,229 |
| Pretax return on assets | 0.0501% | 6,220 |
| Return on Equity (ROE) | 0.3960% | 6,243 |
| Retained earnings to average equity (ytd only) | 0.3960% | 5,657 |
| Net charge-offs to loans | 0.5640% | 2,042 |
| Credit loss provision to net charge-offs | 128.5714% | 2,187 |
| Earnings coverage of net charge-offs (x) | 0.2857% | 5,337 |
| Efficiency ratio | 94.0199% | 797 |
| Assets per employee ($millions) | 0.5888% | 7,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3924% | 208 |
| Loan loss allowance to noncurrent loans | 23.1660% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 7.3309% | 413 |
| Noncurrent loans to loans | 18.9605% | 37 |
| Net loans and leases to total assets | 36.9658% | 6,378 |
| Net loans and leases to deposits | 42.9605% | 6,428 |
| Net loans and leases to core deposits | 42.9605% | 6,504 |
| Total domestic deposits to total assets | 86.0459% | 3,336 |
| Equity capital to assets | 13.9541% | 1,065 |
| Core capital (leverage) ratio | 11.9747% | 1,577 |
| Tier 1 risk-based capital ratio | 23.3318% | 1,061 |
| Total risk-based capital ratio | 24.6096% | 1,039 |
| Memoranda: | ||
| Average total assets | $3,994,800 | 7,089 |
| Average earning assets | $1,646,000 | 7,083 |
| Average equity | $505,000 | 7,081 |
| Average total loans | $1,241,200 | 7,042 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3759% | 64 |
| Cost of funding earning assets | 0.6072% | 4,576 |
| Net interest margin | 6.7686% | 59 |
| Noninterest income to average assets | 12.4564% | 62 |
| Noninterest expense to average assets | 14.5001% | 54 |
| Loan and lease loss provision to assets | 0.2920% | 2,249 |
| Net operating income to assets | 0.1946% | 5,935 |
| Return on assets (ROA) | 0.4866% | 5,157 |
| Pretax return on assets | 0.4866% | 5,498 |
| Return on Equity (ROE) | 3.9370% | 5,312 |
| Retained earnings to average equity (ytd only) | 3.9370% | 4,113 |
| Net charge-offs to loans | 0.8818% | 1,242 |
| Credit loss provision to net charge-offs | 112.5000% | 2,599 |
| Earnings coverage of net charge-offs (x) | 1.8744% | 4,321 |
| Efficiency ratio | 91.3420% | 935 |
| Assets per employee ($millions) | 0.6382% | 7,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2463% | 252 |
| Loan loss allowance to noncurrent loans | 101.6949% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.5409% | 3,269 |
| Noncurrent loans to loans | 4.1755% | 1,192 |
| Net loans and leases to total assets | 35.3356% | 6,593 |
| Net loans and leases to deposits | 40.8268% | 6,648 |
| Net loans and leases to core deposits | 40.8268% | 6,711 |
| Total domestic deposits to total assets | 86.5500% | 2,950 |
| Equity capital to assets | 13.2672% | 1,464 |
| Core capital (leverage) ratio | 12.5961% | 1,365 |
| Tier 1 risk-based capital ratio | 22.4184% | 1,260 |
| Total risk-based capital ratio | 23.6981% | 1,235 |
| Memoranda: | ||
| Average total assets | $4,110,250 | 7,186 |
| Average earning assets | $1,536,500 | 7,180 |
| Average equity | $508,000 | 7,179 |
| Average total loans | $1,210,000 | 7,139 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8336% | 54 |
| Cost of funding earning assets | 0.5311% | 5,426 |
| Net interest margin | 7.3025% | 47 |
| Noninterest income to average assets | 12.5119% | 62 |
| Noninterest expense to average assets | 14.0343% | 57 |
| Loan and lease loss provision to assets | 0.0951% | 4,357 |
| Net operating income to assets | 0.9990% | 2,469 |
| Return on assets (ROA) | 1.3796% | 1,388 |
| Pretax return on assets | 1.3796% | 2,293 |
| Return on Equity (ROE) | 11.4173% | 1,844 |
| Retained earnings to average equity (ytd only) | 11.4173% | 673 |
| Net charge-offs to loans | 0.7003% | 1,583 |
| Credit loss provision to net charge-offs | 50.0000% | 4,034 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 2,761 |
| Efficiency ratio | 87.4214% | 1,293 |
| Assets per employee ($millions) | 0.7602% | 7,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4264% | 111 |
| Loan loss allowance to noncurrent loans | 72.7273% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.6882% | 3,191 |
| Noncurrent loans to loans | 7.4612% | 495 |
| Net loans and leases to total assets | 21.3988% | 7,065 |
| Net loans and leases to deposits | 24.1824% | 7,087 |
| Net loans and leases to core deposits | 27.6331% | 7,062 |
| Total domestic deposits to total assets | 88.4894% | 1,828 |
| Equity capital to assets | 11.4229% | 2,668 |
| Core capital (leverage) ratio | 13.2874% | 1,058 |
| Tier 1 risk-based capital ratio | 24.7859% | 924 |
| Total risk-based capital ratio | 26.0704% | 906 |
| Memoranda: | ||
| Average total assets | $4,204,000 | 7,250 |
| Average earning assets | $1,506,330 | 7,243 |
| Average equity | $508,000 | 7,239 |
| Average total loans | $1,142,330 | 7,202 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0759% | 49 |
| Cost of funding earning assets | 0.4894% | 5,874 |
| Net interest margin | 7.5864% | 45 |
| Noninterest income to average assets | 13.1164% | 61 |
| Noninterest expense to average assets | 14.9050% | 52 |
| Loan and lease loss provision to assets | 0.1987% | 2,952 |
| Net operating income to assets | 1.0930% | 2,123 |
| Return on assets (ROA) | 1.8880% | 578 |
| Pretax return on assets | 1.8880% | 904 |
| Return on Equity (ROE) | 15.1545% | 945 |
| Retained earnings to average equity (ytd only) | 15.1545% | 440 |
| Net charge-offs to loans | 2.0042% | 469 |
| Credit loss provision to net charge-offs | 33.3333% | 3,566 |
| Earnings coverage of net charge-offs (x) | 2.1667% | 3,293 |
| Efficiency ratio | 87.1166% | 1,369 |
| Assets per employee ($millions) | 0.6750% | 7,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5957% | 236 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4444% | 5,752 |
| Noncurrent loans to loans | 1.5319% | 3,818 |
| Net loans and leases to total assets | 27.6790% | 6,986 |
| Net loans and leases to deposits | 31.7025% | 7,014 |
| Net loans and leases to core deposits | 36.9723% | 6,910 |
| Total domestic deposits to total assets | 87.3086% | 2,765 |
| Equity capital to assets | 12.6173% | 1,649 |
| Core capital (leverage) ratio | 12.6925% | 1,247 |
| Tier 1 risk-based capital ratio | 22.6608% | 1,183 |
| Total risk-based capital ratio | 23.7694% | 1,183 |
| Memoranda: | ||
| Average total assets | $4,025,500 | 7,313 |
| Average earning assets | $1,634,500 | 7,306 |
| Average equity | $501,500 | 7,302 |
| Average total loans | $1,197,500 | 7,265 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5377% | 66 |
| Cost of funding earning assets | 0.8899% | 4,187 |
| Net interest margin | 6.6478% | 62 |
| Noninterest income to average assets | 16.8264% | 38 |
| Noninterest expense to average assets | 18.5854% | 34 |
| Loan and lease loss provision to assets | 0.1620% | 4,607 |
| Net operating income to assets | 1.1572% | 1,650 |
| Return on assets (ROA) | 0.9721% | 2,449 |
| Pretax return on assets | 0.8332% | 3,850 |
| Return on Equity (ROE) | 8.7977% | 2,545 |
| Retained earnings to average equity (ytd only) | 8.7977% | 856 |
| Net charge-offs to loans | 0.9153% | 1,897 |
| Credit loss provision to net charge-offs | 58.3333% | 5,215 |
| Earnings coverage of net charge-offs (x) | 4.2500% | 3,202 |
| Efficiency ratio | 90.0468% | 1,188 |
| Assets per employee ($millions) | 0.6668% | 7,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7541% | 209 |
| Loan loss allowance to noncurrent loans | 223.0769% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 5,356 |
| Noncurrent loans to loans | 2.1311% | 3,030 |
| Net loans and leases to total assets | 29.0427% | 7,036 |
| Net loans and leases to deposits | 33.1243% | 7,070 |
| Net loans and leases to core deposits | 38.6818% | 6,979 |
| Total domestic deposits to total assets | 87.6781% | 2,348 |
| Equity capital to assets | 12.2969% | 1,915 |
| Core capital (leverage) ratio | 12.0974% | 1,539 |
| Tier 1 risk-based capital ratio | 20.7858% | 1,462 |
| Total risk-based capital ratio | 22.0955% | 1,424 |
| Memoranda: | ||
| Average total assets | $4,320,600 | 7,360 |
| Average earning assets | $1,910,400 | 7,356 |
| Average equity | $477,400 | 7,355 |
| Average total loans | $1,311,000 | 7,313 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6769% | 60 |
| Cost of funding earning assets | 0.9513% | 4,034 |
| Net interest margin | 6.7261% | 58 |
| Noninterest income to average assets | 16.8765% | 39 |
| Noninterest expense to average assets | 18.0582% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8180% | 501 |
| Return on assets (ROA) | 1.8180% | 543 |
| Pretax return on assets | 1.8180% | 920 |
| Return on Equity (ROE) | 16.8865% | 577 |
| Retained earnings to average equity (ytd only) | 16.8865% | 145 |
| Net charge-offs to loans | 0.8997% | 1,779 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,510 |
| Efficiency ratio | 87.0427% | 1,430 |
| Assets per employee ($millions) | 0.6887% | 7,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2210% | 338 |
| Loan loss allowance to noncurrent loans | 220.0000% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6050% | 5,611 |
| Noncurrent loans to loans | 1.9186% | 3,476 |
| Net loans and leases to total assets | 30.2033% | 7,081 |
| Net loans and leases to deposits | 34.5037% | 7,115 |
| Net loans and leases to core deposits | 40.0899% | 7,040 |
| Total domestic deposits to total assets | 87.5363% | 2,334 |
| Equity capital to assets | 12.3185% | 2,016 |
| Core capital (leverage) ratio | 12.3245% | 1,527 |
| Tier 1 risk-based capital ratio | 20.7079% | 1,521 |
| Total risk-based capital ratio | 21.9691% | 1,485 |
| Memoranda: | ||
| Average total assets | $4,400,500 | 7,439 |
| Average earning assets | $1,962,500 | 7,435 |
| Average equity | $473,750 | 7,432 |
| Average total loans | $1,333,750 | 7,389 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1358% | 91 |
| Cost of funding earning assets | 0.8920% | 4,745 |
| Net interest margin | 6.2438% | 79 |
| Noninterest income to average assets | 16.7038% | 41 |
| Noninterest expense to average assets | 18.4855% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0245% | 2,122 |
| Return on assets (ROA) | 1.0245% | 2,222 |
| Pretax return on assets | 1.0245% | 3,141 |
| Return on Equity (ROE) | 9.9567% | 2,134 |
| Retained earnings to average equity (ytd only) | 9.9567% | 852 |
| Net charge-offs to loans | 0.1488% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,103 |
| Efficiency ratio | 90.8676% | 1,182 |
| Assets per employee ($millions) | 0.6882% | 7,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4776% | 282 |
| Loan loss allowance to noncurrent loans | 331.5789% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 6,002 |
| Noncurrent loans to loans | 1.3504% | 4,398 |
| Net loans and leases to total assets | 32.5503% | 7,095 |
| Net loans and leases to deposits | 36.7816% | 7,158 |
| Net loans and leases to core deposits | 42.6667% | 7,050 |
| Total domestic deposits to total assets | 88.4960% | 1,853 |
| Equity capital to assets | 11.4313% | 2,570 |
| Core capital (leverage) ratio | 10.6330% | 2,580 |
| Tier 1 risk-based capital ratio | 18.0497% | 2,159 |
| Total risk-based capital ratio | 19.3117% | 2,110 |
| Memoranda: | ||
| Average total assets | $4,490,000 | 7,515 |
| Average earning assets | $2,018,000 | 7,511 |
| Average equity | $462,000 | 7,509 |
| Average total loans | $1,344,000 | 7,464 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2425% | 91 |
| Cost of funding earning assets | 0.9787% | 4,355 |
| Net interest margin | 6.2638% | 80 |
| Noninterest income to average assets | 16.1011% | 44 |
| Noninterest expense to average assets | 17.5570% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2847% | 1,308 |
| Return on assets (ROA) | 1.2847% | 1,357 |
| Pretax return on assets | 1.2847% | 2,086 |
| Return on Equity (ROE) | 13.1291% | 1,164 |
| Retained earnings to average equity (ytd only) | 13.1291% | 567 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5455% | 1,370 |
| Assets per employee ($millions) | 0.5936% | 7,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0039% | 190 |
| Loan loss allowance to noncurrent loans | 256.0000% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 5,919 |
| Noncurrent loans to loans | 1.9547% | 3,636 |
| Net loans and leases to total assets | 25.5843% | 7,349 |
| Net loans and leases to deposits | 28.3680% | 7,383 |
| Net loans and leases to core deposits | 32.1514% | 7,352 |
| Total domestic deposits to total assets | 90.1874% | 1,032 |
| Equity capital to assets | 9.7705% | 4,073 |
| Core capital (leverage) ratio | 10.4083% | 2,694 |
| Tier 1 risk-based capital ratio | 17.5558% | 2,270 |
| Total risk-based capital ratio | 18.8044% | 2,237 |
| Memoranda: | ||
| Average total assets | $4,670,500 | 7,575 |
| Average earning assets | $2,043,500 | 7,572 |
| Average equity | $457,000 | 7,567 |
| Average total loans | $1,312,500 | 7,524 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4940% | 83 |
| Cost of funding earning assets | 1.2765% | 4,042 |
| Net interest margin | 6.2176% | 85 |
| Noninterest income to average assets | 20.9606% | 38 |
| Noninterest expense to average assets | 22.3820% | 38 |
| Loan and lease loss provision to assets | 1.3578% | 1,116 |
| Net operating income to assets | 0.4243% | 4,435 |
| Return on assets (ROA) | 0.4667% | 4,410 |
| Pretax return on assets | 0.4667% | 4,739 |
| Return on Equity (ROE) | 5.1282% | 4,012 |
| Retained earnings to average equity (ytd only) | 5.1282% | 2,343 |
| Net charge-offs to loans | 3.9038% | 332 |
| Credit loss provision to net charge-offs | 101.5873% | 4,462 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 4,772 |
| Efficiency ratio | 89.1133% | 1,391 |
| Assets per employee ($millions) | 0.5740% | 7,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7548% | 232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 27.9181% | 7,408 |
| Net loans and leases to deposits | 30.9961% | 7,445 |
| Net loans and leases to core deposits | 35.2779% | 7,400 |
| Total domestic deposits to total assets | 90.0697% | 1,057 |
| Equity capital to assets | 9.7997% | 4,000 |
| Core capital (leverage) ratio | 10.5165% | 2,542 |
| Tier 1 risk-based capital ratio | 16.8602% | 2,403 |
| Total risk-based capital ratio | 18.2091% | 2,324 |
| Memoranda: | ||
| Average total assets | $4,713,600 | 7,658 |
| Average earning assets | $2,428,600 | 7,655 |
| Average equity | $429,000 | 7,657 |
| Average total loans | $1,613,800 | 7,607 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8446% | 63 |
| Cost of funding earning assets | 1.3250% | 4,073 |
| Net interest margin | 6.5196% | 66 |
| Noninterest income to average assets | 21.1349% | 36 |
| Noninterest expense to average assets | 22.6526% | 38 |
| Loan and lease loss provision to assets | 0.7026% | 2,182 |
| Net operating income to assets | 1.2367% | 1,495 |
| Return on assets (ROA) | 1.2928% | 1,431 |
| Pretax return on assets | 1.2928% | 2,192 |
| Return on Equity (ROE) | 14.4732% | 941 |
| Retained earnings to average equity (ytd only) | 14.4732% | 240 |
| Net charge-offs to loans | 2.0628% | 903 |
| Credit loss provision to net charge-offs | 96.1538% | 4,507 |
| Earnings coverage of net charge-offs (x) | 2.6536% | 3,826 |
| Efficiency ratio | 92.1143% | 1,121 |
| Assets per employee ($millions) | 0.6524% | 7,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8722% | 411 |
| Loan loss allowance to noncurrent loans | 315.0000% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 6,530 |
| Noncurrent loans to loans | 1.2293% | 4,793 |
| Net loans and leases to total assets | 26.6349% | 7,534 |
| Net loans and leases to deposits | 29.0006% | 7,576 |
| Net loans and leases to core deposits | 29.0006% | 7,592 |
| Total domestic deposits to total assets | 91.8426% | 218 |
| Equity capital to assets | 8.0722% | 6,739 |
| Core capital (leverage) ratio | 11.2349% | 2,109 |
| Tier 1 risk-based capital ratio | 15.0907% | 3,204 |
| Total risk-based capital ratio | 16.3642% | 3,178 |
| Memoranda: | ||
| Average total assets | $4,744,000 | 7,760 |
| Average earning assets | $2,515,500 | 7,758 |
| Average equity | $423,750 | 7,760 |
| Average total loans | $1,680,750 | 7,707 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3581% | 99 |
| Cost of funding earning assets | 1.3307% | 4,329 |
| Net interest margin | 6.0274% | 91 |
| Noninterest income to average assets | 24.5879% | 38 |
| Noninterest expense to average assets | 25.9158% | 37 |
| Loan and lease loss provision to assets | 0.6410% | 2,242 |
| Net operating income to assets | 1.5568% | 803 |
| Return on assets (ROA) | 1.6484% | 694 |
| Pretax return on assets | 1.6484% | 1,169 |
| Return on Equity (ROE) | 17.6904% | 497 |
| Retained earnings to average equity (ytd only) | 17.6904% | 136 |
| Net charge-offs to loans | 1.5306% | 1,250 |
| Credit loss provision to net charge-offs | 107.6923% | 3,783 |
| Earnings coverage of net charge-offs (x) | 3.6923% | 3,212 |
| Efficiency ratio | 92.1824% | 1,177 |
| Assets per employee ($millions) | 0.4696% | 7,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0373% | 365 |
| Loan loss allowance to noncurrent loans | 325.0000% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 6,262 |
| Noncurrent loans to loans | 1.2422% | 4,897 |
| Net loans and leases to total assets | 36.5594% | 7,335 |
| Net loans and leases to deposits | 41.1451% | 7,414 |
| Net loans and leases to core deposits | 41.1451% | 7,471 |
| Total domestic deposits to total assets | 88.8547% | 1,517 |
| Equity capital to assets | 10.9796% | 2,886 |
| Core capital (leverage) ratio | 11.5280% | 1,906 |
| Tier 1 risk-based capital ratio | 16.6667% | 2,416 |
| Total risk-based capital ratio | 17.9239% | 2,358 |
| Memoranda: | ||
| Average total assets | $4,368,000 | 7,833 |
| Average earning assets | $2,555,000 | 7,828 |
| Average equity | $407,000 | 7,827 |
| Average total loans | $1,698,670 | 7,776 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4596% | 109 |
| Cost of funding earning assets | 1.2179% | 5,296 |
| Net interest margin | 6.2417% | 87 |
| Noninterest income to average assets | 26.3122% | 36 |
| Noninterest expense to average assets | 29.4661% | 34 |
| Loan and lease loss provision to assets | 0.4506% | 2,714 |
| Net operating income to assets | 0.0901% | 6,050 |
| Return on assets (ROA) | 0.0901% | 6,149 |
| Pretax return on assets | 0.0901% | 6,158 |
| Return on Equity (ROE) | 1.0568% | 6,102 |
| Retained earnings to average equity (ytd only) | 1.0568% | 5,390 |
| Net charge-offs to loans | 2.2949% | 735 |
| Credit loss provision to net charge-offs | 50.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 4,487 |
| Efficiency ratio | 98.1982% | 915 |
| Assets per employee ($millions) | 0.4819% | 7,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4084% | 579 |
| Loan loss allowance to noncurrent loans | 44.3609% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 3.0666% | 2,330 |
| Noncurrent loans to loans | 7.6834% | 725 |
| Net loans and leases to total assets | 38.5520% | 7,325 |
| Net loans and leases to deposits | 42.2970% | 7,453 |
| Net loans and leases to core deposits | 42.2970% | 7,518 |
| Total domestic deposits to total assets | 91.1460% | 485 |
| Equity capital to assets | 8.7388% | 5,672 |
| Core capital (leverage) ratio | 8.9725% | 4,617 |
| Tier 1 risk-based capital ratio | 12.7566% | 4,514 |
| Total risk-based capital ratio | 14.0020% | 4,480 |
| Memoranda: | ||
| Average total assets | $4,439,000 | 7,936 |
| Average earning assets | $2,627,500 | 7,932 |
| Average equity | $378,500 | 7,921 |
| Average total loans | $1,743,000 | 7,877 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6885% | 476 |
| Cost of funding earning assets | 0.8546% | 7,479 |
| Net interest margin | 5.8338% | 131 |
| Noninterest income to average assets | 42.6784% | 29 |
| Noninterest expense to average assets | 44.9352% | 25 |
| Loan and lease loss provision to assets | 0.0857% | 6,752 |
| Net operating income to assets | 2.0128% | 226 |
| Return on assets (ROA) | 0.4285% | 4,117 |
| Pretax return on assets | 0.4571% | 4,330 |
| Return on Equity (ROE) | 3.8246% | 4,157 |
| Retained earnings to average equity (ytd only) | 3.8246% | 2,525 |
| Net charge-offs to loans | 2.0416% | 1,198 |
| Credit loss provision to net charge-offs | 9.0909% | 6,974 |
| Earnings coverage of net charge-offs (x) | 2.3636% | 3,953 |
| Efficiency ratio | 95.2756% | 1,336 |
| Assets per employee ($millions) | 0.5046% | 7,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6467% | 467 |
| Loan loss allowance to noncurrent loans | 457.1429% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 6,668 |
| Noncurrent loans to loans | 0.7977% | 5,690 |
| Net loans and leases to total assets | 37.2385% | 7,473 |
| Net loans and leases to deposits | 40.7078% | 7,602 |
| Net loans and leases to core deposits | 51.1494% | 7,556 |
| Total domestic deposits to total assets | 91.4776% | 384 |
| Equity capital to assets | 8.3242% | 6,163 |
| Core capital (leverage) ratio | 9.9057% | 3,188 |
| Tier 1 risk-based capital ratio | 12.5373% | 4,491 |
| Total risk-based capital ratio | 13.7977% | 4,427 |
| Memoranda: | ||
| Average total assets | $3,500,600 | 8,016 |
| Average earning assets | $2,691,200 | 8,009 |
| Average equity | $392,200 | 8,009 |
| Average total loans | $1,616,400 | 7,955 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8066% | 411 |
| Cost of funding earning assets | 0.7399% | 7,771 |
| Net interest margin | 6.0668% | 103 |
| Noninterest income to average assets | 46.4114% | 28 |
| Noninterest expense to average assets | 48.6743% | 22 |
| Loan and lease loss provision to assets | 1.2754% | 1,511 |
| Net operating income to assets | 1.3989% | 1,034 |
| Return on assets (ROA) | -0.6582% | 6,582 |
| Pretax return on assets | -0.5348% | 6,341 |
| Return on Equity (ROE) | -5.3898% | 6,491 |
| Retained earnings to average equity (ytd only) | -5.3898% | 6,299 |
| Net charge-offs to loans | 2.6129% | 695 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 2.1936% | 4,177 |
| Efficiency ratio | 94.5643% | 1,367 |
| Assets per employee ($millions) | 0.3858% | 8,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1549% | 80 |
| Loan loss allowance to noncurrent loans | 930.0000% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 6,776 |
| Noncurrent loans to loans | 0.6618% | 5,978 |
| Net loans and leases to total assets | 40.8410% | 7,418 |
| Net loans and leases to deposits | 45.5509% | 7,580 |
| Net loans and leases to core deposits | 56.4266% | 7,531 |
| Total domestic deposits to total assets | 89.6601% | 905 |
| Equity capital to assets | 9.9942% | 4,090 |
| Core capital (leverage) ratio | 10.9257% | 2,458 |
| Tier 1 risk-based capital ratio | 13.8247% | 3,651 |
| Total risk-based capital ratio | 15.0996% | 3,581 |
| Memoranda: | ||
| Average total assets | $3,240,500 | 8,107 |
| Average earning assets | $2,703,250 | 8,096 |
| Average equity | $395,750 | 8,095 |
| Average total loans | $1,581,750 | 8,037 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0210% | 304 |
| Cost of funding earning assets | 0.7313% | 7,896 |
| Net interest margin | 6.2896% | 88 |
| Noninterest income to average assets | 50.1370% | 24 |
| Noninterest expense to average assets | 49.1887% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 6.1960% | 22 |
| Return on assets (ROA) | 6.1960% | 25 |
| Pretax return on assets | 6.3857% | 29 |
| Return on Equity (ROE) | 47.5728% | 19 |
| Retained earnings to average equity (ytd only) | 47.5728% | 11 |
| Net charge-offs to loans | 2.9900% | 546 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 4.2083% | 3,176 |
| Efficiency ratio | 88.5097% | 1,949 |
| Assets per employee ($millions) | 0.3466% | 8,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3451% | 199 |
| Loan loss allowance to noncurrent loans | 700.0000% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 6,664 |
| Noncurrent loans to loans | 0.6207% | 6,013 |
| Net loans and leases to total assets | 49.4069% | 6,924 |
| Net loans and leases to deposits | 58.1729% | 7,010 |
| Net loans and leases to core deposits | 62.9236% | 7,339 |
| Total domestic deposits to total assets | 84.9311% | 3,294 |
| Equity capital to assets | 14.7804% | 1,087 |
| Core capital (leverage) ratio | 13.8024% | 1,191 |
| Tier 1 risk-based capital ratio | 17.9238% | 2,041 |
| Total risk-based capital ratio | 19.1680% | 1,978 |
| Memoranda: | ||
| Average total assets | $3,163,330 | 8,203 |
| Average earning assets | $2,734,670 | 8,191 |
| Average equity | $412,000 | 8,186 |
| Average total loans | $1,605,330 | 8,127 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7051% | 129 |
| Cost of funding earning assets | 0.7409% | 7,971 |
| Net interest margin | 6.9643% | 56 |
| Noninterest income to average assets | 46.4605% | 24 |
| Noninterest expense to average assets | 46.2094% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 6.1529% | 22 |
| Return on assets (ROA) | 6.1529% | 26 |
| Pretax return on assets | 6.1529% | 31 |
| Return on Equity (ROE) | 50.5806% | 24 |
| Retained earnings to average equity (ytd only) | 50.5806% | 16 |
| Net charge-offs to loans | 3.4945% | 349 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,155 |
| Efficiency ratio | 88.2494% | 1,875 |
| Assets per employee ($millions) | 0.3676% | 8,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9782% | 108 |
| Loan loss allowance to noncurrent loans | 727.2727% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 6,516 |
| Noncurrent loans to loans | 0.6845% | 5,694 |
| Net loans and leases to total assets | 46.1608% | 7,177 |
| Net loans and leases to deposits | 52.8008% | 7,353 |
| Net loans and leases to core deposits | 56.7236% | 7,582 |
| Total domestic deposits to total assets | 87.4244% | 2,009 |
| Equity capital to assets | 12.4547% | 2,002 |
| Core capital (leverage) ratio | 9.9637% | 3,443 |
| Tier 1 risk-based capital ratio | 16.1126% | 2,650 |
| Total risk-based capital ratio | 17.4032% | 2,571 |
| Memoranda: | ||
| Average total assets | $3,185,500 | 8,254 |
| Average earning assets | $2,699,500 | 8,243 |
| Average equity | $387,500 | 8,240 |
| Average total loans | $1,602,500 | 8,179 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3800% | 512 |
| Cost of funding earning assets | 1.3856% | 7,755 |
| Net interest margin | 5.9943% | 108 |
| Noninterest income to average assets | 50.3837% | 29 |
| Noninterest expense to average assets | 58.4262% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -2.8385% | 7,782 |
| Return on assets (ROA) | -2.8385% | 7,753 |
| Pretax return on assets | -2.8122% | 7,663 |
| Return on Equity (ROE) | -24.9423% | 7,862 |
| Retained earnings to average equity (ytd only) | -24.9423% | 7,809 |
| Net charge-offs to loans | 3.9375% | 170 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -1.6719% | 6,686 |
| Efficiency ratio | 105.0567% | 834 |
| Assets per employee ($millions) | 0.3063% | 8,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8824% | 59 |
| Loan loss allowance to noncurrent loans | 447.6190% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.6856% | 5,169 |
| Noncurrent loans to loans | 1.3141% | 3,885 |
| Net loans and leases to total assets | 49.1022% | 7,097 |
| Net loans and leases to deposits | 55.8692% | 7,331 |
| Net loans and leases to core deposits | 60.3531% | 7,569 |
| Total domestic deposits to total assets | 87.8877% | 1,520 |
| Equity capital to assets | 11.8511% | 2,385 |
| Core capital (leverage) ratio | 11.3829% | 2,320 |
| Tier 1 risk-based capital ratio | 14.7381% | 3,182 |
| Total risk-based capital ratio | 16.0374% | 3,078 |
| Memoranda: | ||
| Average total assets | $3,804,800 | 8,306 |
| Average earning assets | $3,319,800 | 8,295 |
| Average equity | $433,000 | 8,302 |
| Average total loans | $1,625,400 | 8,236 |