Home > Yorktown Bank > Performance and Condition Ratios
Yorktown Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 1,733 |
| Cost of funding earning assets | 0.1628% | 3,993 |
| Net interest margin | 3.7479% | 1,228 |
| Noninterest income to average assets | 0.3057% | 3,604 |
| Noninterest expense to average assets | 2.7419% | 1,482 |
| Loan and lease loss provision to assets | 0.4829% | 115 |
| Net operating income to assets | 0.3369% | 4,461 |
| Return on assets (ROA) | 0.3369% | 4,494 |
| Pretax return on assets | 0.4472% | 4,431 |
| Return on Equity (ROE) | 2.1580% | 4,576 |
| Retained earnings to average equity (ytd only) | 2.1580% | 4,150 |
| 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 | 71.4985% | 1,442 |
| Assets per employee ($millions) | 6.7513% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4658% | 4,735 |
| 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 | 79.5142% | 318 |
| Net loans and leases to deposits | 96.3131% | 338 |
| Net loans and leases to core deposits | 99.3155% | 614 |
| Total domestic deposits to total assets | 82.5580% | 3,810 |
| Equity capital to assets | 16.3126% | 387 |
| Core capital (leverage) ratio | 10.1964% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1317% | 2,665 |
| Memoranda: | ||
| Average total assets | $111,210,500 | 3,932 |
| Average earning assets | $99,892,500 | 3,961 |
| Average equity | $17,361,500 | 3,480 |
| Average total loans | $85,765,750 | 3,439 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8521% | 1,943 |
| Cost of funding earning assets | 0.1644% | 4,091 |
| Net interest margin | 3.6877% | 1,381 |
| Noninterest income to average assets | 0.3794% | 3,217 |
| Noninterest expense to average assets | 2.8128% | 1,324 |
| Loan and lease loss provision to assets | 0.6253% | 72 |
| Net operating income to assets | 0.1959% | 4,640 |
| Return on assets (ROA) | 0.1959% | 4,653 |
| Pretax return on assets | 0.2583% | 4,626 |
| Return on Equity (ROE) | 1.2735% | 4,672 |
| Retained earnings to average equity (ytd only) | 1.2735% | 4,282 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8193% | 1,352 |
| Assets per employee ($millions) | 5.9503% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3939% | 4,801 |
| 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 | 82.4071% | 202 |
| Net loans and leases to deposits | 100.0544% | 254 |
| Net loans and leases to core deposits | 102.8347% | 570 |
| Total domestic deposits to total assets | 82.3623% | 3,850 |
| Equity capital to assets | 16.2839% | 390 |
| Core capital (leverage) ratio | 9.6142% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1990% | 2,918 |
| Memoranda: | ||
| Average total assets | $112,273,667 | 3,945 |
| Average earning assets | $100,983,000 | 3,965 |
| Average equity | $17,275,000 | 3,488 |
| Average total loans | $85,589,667 | 3,464 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4393% | 3,089 |
| Cost of funding earning assets | 0.1315% | 4,448 |
| Net interest margin | 3.3077% | 2,373 |
| Noninterest income to average assets | 0.2090% | 4,133 |
| Noninterest expense to average assets | 2.7686% | 1,439 |
| Loan and lease loss provision to assets | 0.9821% | 43 |
| Net operating income to assets | -0.4214% | 4,876 |
| Return on assets (ROA) | -0.4214% | 4,882 |
| Pretax return on assets | -0.5642% | 4,891 |
| Return on Equity (ROE) | -2.8153% | 4,875 |
| Retained earnings to average equity (ytd only) | -2.8153% | 4,594 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6230% | 665 |
| Assets per employee ($millions) | 6.1452% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3126% | 4,870 |
| 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 | 76.4686% | 593 |
| Net loans and leases to deposits | 100.1851% | 280 |
| Net loans and leases to core deposits | 102.9531% | 601 |
| Total domestic deposits to total assets | 76.3273% | 4,565 |
| Equity capital to assets | 14.7406% | 535 |
| Core capital (leverage) ratio | 9.3085% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6339% | 2,987 |
| Memoranda: | ||
| Average total assets | $114,857,500 | 3,913 |
| Average earning assets | $103,394,500 | 3,946 |
| Average equity | $17,192,000 | 3,500 |
| Average total loans | $84,078,500 | 3,492 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3704% | 4,986 |
| Cost of funding earning assets | 0.0433% | 4,946 |
| Net interest margin | 0.3271% | 4,984 |
| Noninterest income to average assets | 0.0143% | 4,932 |
| Noninterest expense to average assets | 0.2076% | 4,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.0823% | 4,681 |
| Return on assets (ROA) | 0.0823% | 4,714 |
| Pretax return on assets | 0.1110% | 4,698 |
| Return on Equity (ROE) | 0.5686% | 4,722 |
| Retained earnings to average equity (ytd only) | 0.5686% | 4,354 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1685% | 2,652 |
| Assets per employee ($millions) | 5.9451% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,951 |
| 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 | 69.5784% | 1,612 |
| Net loans and leases to deposits | 90.4511% | 897 |
| Net loans and leases to core deposits | 93.0007% | 1,305 |
| Total domestic deposits to total assets | 76.9238% | 4,420 |
| Equity capital to assets | 15.2033% | 535 |
| Core capital (leverage) ratio | 8.0193% | 4,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4959% | 3,026 |
| Memoranda: | ||
| Average total assets | $111,741,000 | 3,859 |
| Average earning assets | $103,945,400 | 3,849 |
| Average equity | $16,179,600 | 3,533 |
| Average total loans | $82,525,400 | 3,516 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7438% | 973 |
| Cost of funding earning assets | 0.8437% | 1,287 |
| Net interest margin | 3.9000% | 1,350 |
| Noninterest income to average assets | 0.2297% | 4,119 |
| Noninterest expense to average assets | 2.7399% | 2,142 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9165% | 2,638 |
| Return on assets (ROA) | 0.9165% | 2,765 |
| Pretax return on assets | 1.1510% | 2,564 |
| Return on Equity (ROE) | 6.4107% | 3,404 |
| Retained earnings to average equity (ytd only) | 6.4107% | 1,918 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2964% | 2,143 |
| Assets per employee ($millions) | 5.8512% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,343 |
| 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 | 75.5516% | 1,150 |
| Net loans and leases to deposits | 96.9750% | 690 |
| Net loans and leases to core deposits | 100.3321% | 1,140 |
| Total domestic deposits to total assets | 77.9083% | 4,214 |
| Equity capital to assets | 14.6636% | 703 |
| Core capital (leverage) ratio | 11.6979% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5650% | 1,119 |
| Memoranda: | ||
| Average total assets | $111,437,250 | 3,858 |
| Average earning assets | $104,612,000 | 3,840 |
| Average equity | $15,931,250 | 3,560 |
| Average total loans | $83,508,500 | 3,522 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8374% | 1,080 |
| Cost of funding earning assets | 0.9335% | 1,224 |
| Net interest margin | 3.9039% | 1,556 |
| Noninterest income to average assets | 0.2313% | 4,101 |
| Noninterest expense to average assets | 2.7294% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9630% | 2,447 |
| Return on assets (ROA) | 0.9630% | 2,577 |
| Pretax return on assets | 1.1692% | 2,466 |
| Return on Equity (ROE) | 6.7942% | 3,208 |
| Retained earnings to average equity (ytd only) | 6.7942% | 1,743 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8933% | 2,246 |
| Assets per employee ($millions) | 6.0382% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 2,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 73.5108% | 1,473 |
| Net loans and leases to deposits | 93.7400% | 984 |
| Net loans and leases to core deposits | 98.1005% | 1,403 |
| Total domestic deposits to total assets | 78.4199% | 4,128 |
| Equity capital to assets | 14.0090% | 850 |
| Core capital (leverage) ratio | 11.5087% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0563% | 1,237 |
| Memoranda: | ||
| Average total assets | $111,525,333 | 3,843 |
| Average earning assets | $104,767,000 | 3,828 |
| Average equity | $15,807,667 | 3,569 |
| Average total loans | $82,989,000 | 3,535 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0195% | 928 |
| Cost of funding earning assets | 1.1228% | 979 |
| Net interest margin | 3.8967% | 1,681 |
| Noninterest income to average assets | 0.2438% | 4,100 |
| Noninterest expense to average assets | 2.7473% | 2,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0334% | 2,066 |
| Return on assets (ROA) | 1.0334% | 2,162 |
| Pretax return on assets | 1.1462% | 2,376 |
| Return on Equity (ROE) | 7.2470% | 2,853 |
| Retained earnings to average equity (ytd only) | 7.2470% | 1,459 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4112% | 2,601 |
| Assets per employee ($millions) | 5.5804% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 2,200 |
| 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 | 77.7359% | 1,018 |
| Net loans and leases to deposits | 101.0866% | 488 |
| Net loans and leases to core deposits | 106.6207% | 1,020 |
| Total domestic deposits to total assets | 76.9002% | 4,366 |
| Equity capital to assets | 14.9188% | 778 |
| Core capital (leverage) ratio | 11.2328% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4573% | 1,489 |
| Memoranda: | ||
| Average total assets | $109,925,000 | 3,847 |
| Average earning assets | $102,958,500 | 3,836 |
| Average equity | $15,675,500 | 3,593 |
| Average total loans | $81,778,500 | 3,552 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 1,178 |
| Cost of funding earning assets | 1.2930% | 779 |
| Net interest margin | 3.8265% | 2,417 |
| Noninterest income to average assets | 0.2398% | 4,242 |
| Noninterest expense to average assets | 2.6474% | 3,036 |
| Loan and lease loss provision to assets | 0.0176% | 3,664 |
| Net operating income to assets | 0.8423% | 3,409 |
| Return on assets (ROA) | 0.8423% | 3,500 |
| Pretax return on assets | 1.1594% | 2,984 |
| Return on Equity (ROE) | 6.2482% | 3,832 |
| Retained earnings to average equity (ytd only) | 3.9027% | 3,016 |
| Net charge-offs to loans | -0.0137% | 4,553 |
| Credit loss provision to net charge-offs | -181.8182% | 4,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1107% | 2,603 |
| Assets per employee ($millions) | 5.9907% | 1,645 |
| Cash dividends to net income (ytd only)* | 37.5391% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 1,740 |
| 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 | 69.3955% | 2,493 |
| Net loans and leases to deposits | 88.1789% | 1,819 |
| Net loans and leases to core deposits | 106.8503% | 1,059 |
| Total domestic deposits to total assets | 78.6985% | 4,244 |
| Equity capital to assets | 13.6466% | 1,228 |
| Core capital (leverage) ratio | 10.3873% | 3,079 |
| Tier 1 risk-based capital ratio | 15.3869% | 2,623 |
| Total risk-based capital ratio | 16.6383% | 2,552 |
| Memoranda: | ||
| Average total assets | $113,849,400 | 3,778 |
| Average earning assets | $106,651,400 | 3,767 |
| Average equity | $15,348,400 | 3,604 |
| Average total loans | $80,017,400 | 3,603 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2023% | 1,037 |
| Cost of funding earning assets | 1.2984% | 792 |
| Net interest margin | 3.9039% | 2,237 |
| Noninterest income to average assets | 0.2401% | 4,301 |
| Noninterest expense to average assets | 2.6384% | 3,045 |
| Loan and lease loss provision to assets | 0.0234% | 3,430 |
| Net operating income to assets | 0.8994% | 3,350 |
| Return on assets (ROA) | 0.8994% | 3,423 |
| Pretax return on assets | 1.2366% | 2,868 |
| Return on Equity (ROE) | 6.6916% | 3,815 |
| Retained earnings to average equity (ytd only) | 6.6916% | 2,017 |
| Net charge-offs to loans | -0.0183% | 4,563 |
| Credit loss provision to net charge-offs | -181.8182% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6053% | 2,783 |
| Assets per employee ($millions) | 6.2366% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 1,951 |
| 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 | 68.6442% | 2,686 |
| Net loans and leases to deposits | 86.5697% | 2,126 |
| Net loans and leases to core deposits | 103.4347% | 1,376 |
| Total domestic deposits to total assets | 79.2936% | 4,122 |
| Equity capital to assets | 13.2520% | 1,484 |
| Core capital (leverage) ratio | 10.4188% | 3,173 |
| Tier 1 risk-based capital ratio | 15.3299% | 2,698 |
| Total risk-based capital ratio | 16.5820% | 2,632 |
| Memoranda: | ||
| Average total assets | $113,856,000 | 3,820 |
| Average earning assets | $106,693,000 | 3,807 |
| Average equity | $15,302,250 | 3,646 |
| Average total loans | $80,006,250 | 3,643 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2023% | 979 |
| Cost of funding earning assets | 1.2901% | 762 |
| Net interest margin | 3.9122% | 2,212 |
| Noninterest income to average assets | 0.2475% | 4,268 |
| Noninterest expense to average assets | 2.6890% | 2,944 |
| Loan and lease loss provision to assets | 0.0356% | 3,111 |
| Net operating income to assets | 0.8601% | 3,430 |
| Return on assets (ROA) | 0.8601% | 3,493 |
| Pretax return on assets | 1.1789% | 2,979 |
| Return on Equity (ROE) | 6.3684% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.3684% | 2,115 |
| Net charge-offs to loans | -0.0303% | 4,684 |
| Credit loss provision to net charge-offs | -166.6667% | 3,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7883% | 2,708 |
| Assets per employee ($millions) | 6.2836% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 2,093 |
| 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 | 69.4115% | 2,614 |
| Net loans and leases to deposits | 87.3648% | 2,076 |
| Net loans and leases to core deposits | 104.2141% | 1,369 |
| Total domestic deposits to total assets | 79.4502% | 4,139 |
| Equity capital to assets | 12.9142% | 1,628 |
| Core capital (leverage) ratio | 10.1017% | 3,498 |
| Tier 1 risk-based capital ratio | 14.9993% | 2,843 |
| Total risk-based capital ratio | 16.2516% | 2,759 |
| Memoranda: | ||
| Average total assets | $112,309,670 | 3,865 |
| Average earning assets | $104,954,330 | 3,858 |
| Average equity | $15,168,670 | 3,666 |
| Average total loans | $79,203,670 | 3,675 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1605% | 980 |
| Cost of funding earning assets | 1.2339% | 812 |
| Net interest margin | 3.9265% | 2,109 |
| Noninterest income to average assets | 0.2390% | 4,292 |
| Noninterest expense to average assets | 2.7765% | 2,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8201% | 3,554 |
| Return on assets (ROA) | 0.8201% | 3,592 |
| Pretax return on assets | 1.1253% | 3,070 |
| Return on Equity (ROE) | 5.9293% | 4,041 |
| Retained earnings to average equity (ytd only) | 5.9293% | 2,484 |
| Net charge-offs to loans | -0.0625% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9915% | 2,500 |
| Assets per employee ($millions) | 6.2742% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 1,865 |
| 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 | 64.6142% | 3,214 |
| Net loans and leases to deposits | 81.2365% | 2,699 |
| Net loans and leases to core deposits | 99.5117% | 1,661 |
| Total domestic deposits to total assets | 79.5385% | 4,247 |
| Equity capital to assets | 12.7138% | 1,620 |
| Core capital (leverage) ratio | 10.8109% | 2,753 |
| Tier 1 risk-based capital ratio | 15.7575% | 2,545 |
| Total risk-based capital ratio | 17.0100% | 2,471 |
| Memoranda: | ||
| Average total assets | $108,770,500 | 3,955 |
| Average earning assets | $101,464,000 | 3,949 |
| Average equity | $15,044,000 | 3,695 |
| Average total loans | $76,833,500 | 3,757 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3115% | 572 |
| Cost of funding earning assets | 0.9450% | 945 |
| Net interest margin | 4.3665% | 1,009 |
| Noninterest income to average assets | 0.2650% | 4,340 |
| Noninterest expense to average assets | 2.9701% | 2,135 |
| Loan and lease loss provision to assets | 0.1252% | 1,758 |
| Net operating income to assets | 0.8772% | 3,511 |
| Return on assets (ROA) | 0.8772% | 3,504 |
| Pretax return on assets | 1.2032% | 2,868 |
| Return on Equity (ROE) | 5.6588% | 4,273 |
| Retained earnings to average equity (ytd only) | 3.6233% | 3,587 |
| Net charge-offs to loans | 0.0818% | 1,969 |
| Credit loss provision to net charge-offs | 185.9375% | 1,529 |
| Earnings coverage of net charge-offs (x) | 19.7344% | 2,044 |
| Efficiency ratio | 66.8461% | 2,733 |
| Assets per employee ($millions) | 5.1754% | 2,299 |
| Cash dividends to net income (ytd only)* | 35.9712% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 1,717 |
| Loan loss allowance to noncurrent loans | 1,655.5556% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 4,516 |
| Noncurrent loans to loans | 0.0833% | 4,376 |
| Net loans and leases to total assets | 75.8075% | 1,648 |
| Net loans and leases to deposits | 100.2771% | 720 |
| Net loans and leases to core deposits | 104.7114% | 1,359 |
| Total domestic deposits to total assets | 75.5980% | 4,799 |
| Equity capital to assets | 15.1853% | 670 |
| Core capital (leverage) ratio | 10.2238% | 3,335 |
| Tier 1 risk-based capital ratio | 15.6903% | 2,538 |
| Total risk-based capital ratio | 16.9429% | 2,462 |
| Memoranda: | ||
| Average total assets | $95,080,600 | 4,182 |
| Average earning assets | $87,828,200 | 4,187 |
| Average equity | $14,738,000 | 3,667 |
| Average total loans | $78,222,400 | 3,700 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1781% | 655 |
| Cost of funding earning assets | 0.9136% | 872 |
| Net interest margin | 4.2645% | 1,195 |
| Noninterest income to average assets | 0.2602% | 4,414 |
| Noninterest expense to average assets | 2.9815% | 2,064 |
| Loan and lease loss provision to assets | 0.0410% | 3,180 |
| Net operating income to assets | 0.8543% | 3,719 |
| Return on assets (ROA) | 0.8543% | 3,727 |
| Pretax return on assets | 1.1725% | 3,109 |
| Return on Equity (ROE) | 5.4822% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.4822% | 2,961 |
| Net charge-offs to loans | -0.0254% | 4,694 |
| Credit loss provision to net charge-offs | -193.3333% | 4,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7458% | 2,396 |
| Assets per employee ($millions) | 4.9313% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 2,030 |
| Loan loss allowance to noncurrent loans | 731.9149% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 4,194 |
| Noncurrent loans to loans | 0.1797% | 4,085 |
| Net loans and leases to total assets | 82.6544% | 613 |
| Net loans and leases to deposits | 111.3903% | 252 |
| Net loans and leases to core deposits | 115.3455% | 745 |
| Total domestic deposits to total assets | 74.2025% | 4,958 |
| Equity capital to assets | 16.0115% | 538 |
| Core capital (leverage) ratio | 12.1635% | 1,684 |
| Tier 1 risk-based capital ratio | 15.1456% | 2,818 |
| Total risk-based capital ratio | 16.3971% | 2,738 |
| Memoranda: | ||
| Average total assets | $94,267,750 | 4,235 |
| Average earning assets | $86,979,000 | 4,248 |
| Average equity | $14,689,500 | 3,698 |
| Average total loans | $78,881,500 | 3,716 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0023% | 815 |
| Cost of funding earning assets | 0.8586% | 882 |
| Net interest margin | 4.1437% | 1,428 |
| Noninterest income to average assets | 0.2625% | 4,432 |
| Noninterest expense to average assets | 2.9261% | 2,270 |
| Loan and lease loss provision to assets | 0.0508% | 2,899 |
| Net operating income to assets | 0.8004% | 3,852 |
| Return on assets (ROA) | 0.8004% | 3,851 |
| Pretax return on assets | 1.1074% | 3,288 |
| Return on Equity (ROE) | 5.1833% | 4,499 |
| Retained earnings to average equity (ytd only) | 5.1833% | 2,980 |
| Net charge-offs to loans | -0.0076% | 4,220 |
| Credit loss provision to net charge-offs | -800.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2587% | 2,436 |
| Assets per employee ($millions) | 5.0048% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 2,117 |
| Loan loss allowance to noncurrent loans | 659.0909% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 4,173 |
| Noncurrent loans to loans | 0.1988% | 4,013 |
| Net loans and leases to total assets | 80.4053% | 955 |
| Net loans and leases to deposits | 107.9198% | 351 |
| Net loans and leases to core deposits | 115.4447% | 726 |
| Total domestic deposits to total assets | 74.5047% | 5,001 |
| Equity capital to assets | 15.5386% | 588 |
| Core capital (leverage) ratio | 11.6697% | 1,925 |
| Tier 1 risk-based capital ratio | 15.1214% | 2,813 |
| Total risk-based capital ratio | 16.3731% | 2,739 |
| Memoranda: | ||
| Average total assets | $94,458,670 | 4,273 |
| Average earning assets | $87,120,330 | 4,272 |
| Average equity | $14,585,330 | 3,736 |
| Average total loans | $79,017,000 | 3,731 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9255% | 825 |
| Cost of funding earning assets | 0.7688% | 1,102 |
| Net interest margin | 4.1568% | 1,280 |
| Noninterest income to average assets | 0.2549% | 4,472 |
| Noninterest expense to average assets | 2.9402% | 2,227 |
| Loan and lease loss provision to assets | 0.0807% | 2,172 |
| Net operating income to assets | 0.7818% | 3,781 |
| Return on assets (ROA) | 0.7818% | 3,781 |
| Pretax return on assets | 1.0707% | 3,277 |
| Return on Equity (ROE) | 5.0794% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.0794% | 3,133 |
| Net charge-offs to loans | -0.0150% | 4,419 |
| Credit loss provision to net charge-offs | -633.3333% | 4,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4704% | 2,582 |
| Assets per employee ($millions) | 5.0103% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,424 |
| Loan loss allowance to noncurrent loans | 5,941.1765% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 5,028 |
| Noncurrent loans to loans | 0.0213% | 4,886 |
| Net loans and leases to total assets | 82.7545% | 562 |
| Net loans and leases to deposits | 110.6369% | 237 |
| Net loans and leases to core deposits | 122.2498% | 517 |
| Total domestic deposits to total assets | 74.7983% | 5,081 |
| Equity capital to assets | 15.3179% | 599 |
| Core capital (leverage) ratio | 12.1241% | 1,576 |
| Tier 1 risk-based capital ratio | 14.4080% | 3,165 |
| Total risk-based capital ratio | 15.6600% | 3,079 |
| Memoranda: | ||
| Average total assets | $94,142,000 | 4,321 |
| Average earning assets | $86,894,000 | 4,327 |
| Average equity | $14,490,000 | 3,778 |
| Average total loans | $79,788,500 | 3,747 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 985 |
| Cost of funding earning assets | 0.5388% | 2,044 |
| Net interest margin | 4.2554% | 1,070 |
| Noninterest income to average assets | 0.2951% | 4,345 |
| Noninterest expense to average assets | 3.0342% | 2,060 |
| Loan and lease loss provision to assets | 0.2104% | 947 |
| Net operating income to assets | 0.5913% | 4,047 |
| Return on assets (ROA) | 0.5913% | 4,088 |
| Pretax return on assets | 0.9527% | 3,726 |
| Return on Equity (ROE) | 3.6593% | 4,623 |
| Retained earnings to average equity (ytd only) | 3.6593% | 3,057 |
| Net charge-offs to loans | -0.0176% | 4,924 |
| Credit loss provision to net charge-offs | -1,415.3846% | 5,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7820% | 2,597 |
| Assets per employee ($millions) | 4.8994% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,549 |
| Loan loss allowance to noncurrent loans | 4,704.7619% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 5,041 |
| Noncurrent loans to loans | 0.0263% | 4,898 |
| Net loans and leases to total assets | 84.6511% | 379 |
| Net loans and leases to deposits | 114.2990% | 172 |
| Net loans and leases to core deposits | 122.4363% | 512 |
| Total domestic deposits to total assets | 74.0611% | 5,177 |
| Equity capital to assets | 15.4671% | 589 |
| Core capital (leverage) ratio | 11.9281% | 1,644 |
| Tier 1 risk-based capital ratio | 14.1958% | 3,259 |
| Total risk-based capital ratio | 15.4472% | 3,156 |
| Memoranda: | ||
| Average total assets | $87,437,000 | 4,469 |
| Average earning assets | $80,181,200 | 4,460 |
| Average equity | $14,128,400 | 3,829 |
| Average total loans | $74,009,800 | 3,869 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7293% | 1,072 |
| Cost of funding earning assets | 0.4839% | 2,400 |
| Net interest margin | 4.2454% | 1,060 |
| Noninterest income to average assets | 0.3177% | 4,267 |
| Noninterest expense to average assets | 3.1355% | 1,708 |
| Loan and lease loss provision to assets | 0.1364% | 1,576 |
| Net operating income to assets | 0.5750% | 4,483 |
| Return on assets (ROA) | 0.5750% | 4,528 |
| Pretax return on assets | 0.9346% | 3,920 |
| Return on Equity (ROE) | 3.5179% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.5179% | 3,816 |
| Net charge-offs to loans | -0.0202% | 4,852 |
| Credit loss provision to net charge-offs | -800.0000% | 4,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9971% | 2,204 |
| Assets per employee ($millions) | 4.7101% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 3,157 |
| Loan loss allowance to noncurrent loans | 3,560.0000% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 5,108 |
| Noncurrent loans to loans | 0.0325% | 4,977 |
| Net loans and leases to total assets | 84.8713% | 350 |
| Net loans and leases to deposits | 112.5463% | 206 |
| Net loans and leases to core deposits | 119.3085% | 614 |
| Total domestic deposits to total assets | 75.4101% | 5,085 |
| Equity capital to assets | 15.9254% | 555 |
| Core capital (leverage) ratio | 12.5640% | 1,393 |
| Tier 1 risk-based capital ratio | 14.5109% | 3,175 |
| Total risk-based capital ratio | 15.7491% | 3,097 |
| Memoranda: | ||
| Average total assets | $86,024,250 | 4,527 |
| Average earning assets | $78,797,250 | 4,523 |
| Average equity | $14,061,000 | 3,876 |
| Average total loans | $72,565,250 | 3,937 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6388% | 1,180 |
| Cost of funding earning assets | 0.4479% | 2,620 |
| Net interest margin | 4.1909% | 1,091 |
| Noninterest income to average assets | 0.3276% | 4,203 |
| Noninterest expense to average assets | 3.1696% | 1,655 |
| Loan and lease loss provision to assets | 0.0778% | 2,424 |
| Net operating income to assets | 0.5727% | 4,419 |
| Return on assets (ROA) | 0.5727% | 4,477 |
| Pretax return on assets | 0.9167% | 3,876 |
| Return on Equity (ROE) | 3.4721% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.4721% | 3,639 |
| Net charge-offs to loans | -0.0197% | 4,776 |
| Credit loss provision to net charge-offs | -471.4286% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5144% | 2,094 |
| Assets per employee ($millions) | 4.5005% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 3,338 |
| Loan loss allowance to noncurrent loans | 2,865.5172% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 5,128 |
| Noncurrent loans to loans | 0.0400% | 4,996 |
| Net loans and leases to total assets | 83.8497% | 464 |
| Net loans and leases to deposits | 105.0242% | 444 |
| Net loans and leases to core deposits | 110.7817% | 965 |
| Total domestic deposits to total assets | 79.8384% | 4,448 |
| Equity capital to assets | 16.5176% | 470 |
| Core capital (leverage) ratio | 12.2956% | 1,476 |
| Tier 1 risk-based capital ratio | 15.3752% | 2,768 |
| Total risk-based capital ratio | 16.6176% | 2,708 |
| Memoranda: | ||
| Average total assets | $84,868,330 | 4,573 |
| Average earning assets | $77,691,670 | 4,571 |
| Average equity | $13,997,330 | 3,887 |
| Average total loans | $71,139,330 | 3,985 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5715% | 1,209 |
| Cost of funding earning assets | 0.3835% | 3,163 |
| Net interest margin | 4.1879% | 1,014 |
| Noninterest income to average assets | 0.3454% | 4,082 |
| Noninterest expense to average assets | 3.2029% | 1,601 |
| Loan and lease loss provision to assets | 0.1561% | 1,163 |
| Net operating income to assets | 0.5062% | 4,573 |
| Return on assets (ROA) | 0.5062% | 4,604 |
| Pretax return on assets | 0.8090% | 4,079 |
| Return on Equity (ROE) | 3.0716% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.0716% | 3,877 |
| Net charge-offs to loans | -0.0227% | 4,812 |
| Credit loss provision to net charge-offs | -825.0000% | 4,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2338% | 2,194 |
| Assets per employee ($millions) | 4.8917% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 3,302 |
| Loan loss allowance to noncurrent loans | 2,509.0909% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 5,162 |
| Noncurrent loans to loans | 0.0467% | 5,004 |
| Net loans and leases to total assets | 79.3890% | 919 |
| Net loans and leases to deposits | 98.2915% | 747 |
| Net loans and leases to core deposits | 103.4574% | 1,255 |
| Total domestic deposits to total assets | 80.7689% | 4,469 |
| Equity capital to assets | 15.8853% | 516 |
| Core capital (leverage) ratio | 12.5103% | 1,337 |
| Tier 1 risk-based capital ratio | 15.1896% | 2,879 |
| Total risk-based capital ratio | 16.4315% | 2,822 |
| Memoranda: | ||
| Average total assets | $84,548,000 | 4,629 |
| Average earning assets | $77,174,000 | 4,628 |
| Average equity | $13,934,000 | 3,931 |
| Average total loans | $70,444,000 | 4,040 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4249% | 1,761 |
| Cost of funding earning assets | 0.2622% | 4,442 |
| Net interest margin | 4.1627% | 1,204 |
| Noninterest income to average assets | 0.3749% | 4,063 |
| Noninterest expense to average assets | 3.3882% | 1,386 |
| Loan and lease loss provision to assets | 0.2525% | 830 |
| Net operating income to assets | 0.3000% | 5,219 |
| Return on assets (ROA) | 0.3000% | 5,287 |
| Pretax return on assets | 0.4837% | 5,058 |
| Return on Equity (ROE) | 1.7468% | 5,449 |
| Retained earnings to average equity (ytd only) | 1.7468% | 4,533 |
| Net charge-offs to loans | 0.2453% | 1,129 |
| Credit loss provision to net charge-offs | 126.2500% | 2,116 |
| Earnings coverage of net charge-offs (x) | 3.6813% | 3,623 |
| Efficiency ratio | 79.3636% | 1,503 |
| Assets per employee ($millions) | 4.5026% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 3,555 |
| Loan loss allowance to noncurrent loans | 2,137.8378% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 5,158 |
| Noncurrent loans to loans | 0.0527% | 5,034 |
| Net loans and leases to total assets | 85.5897% | 258 |
| Net loans and leases to deposits | 109.9650% | 228 |
| Net loans and leases to core deposits | 117.3187% | 567 |
| Total domestic deposits to total assets | 77.8336% | 4,999 |
| Equity capital to assets | 17.1273% | 371 |
| Core capital (leverage) ratio | 12.6482% | 1,273 |
| Tier 1 risk-based capital ratio | 15.3358% | 2,828 |
| Total risk-based capital ratio | 16.5343% | 2,778 |
| Memoranda: | ||
| Average total assets | $80,013,200 | 4,732 |
| Average earning assets | $72,069,200 | 4,756 |
| Average equity | $13,739,600 | 3,980 |
| Average total loans | $65,226,800 | 4,156 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 1,938 |
| Cost of funding earning assets | 0.2474% | 4,625 |
| Net interest margin | 4.1256% | 1,322 |
| Noninterest income to average assets | 0.3343% | 4,392 |
| Noninterest expense to average assets | 3.4622% | 1,218 |
| Loan and lease loss provision to assets | 0.1856% | 1,176 |
| Net operating income to assets | 0.2441% | 5,400 |
| Return on assets (ROA) | 0.2441% | 5,471 |
| Pretax return on assets | 0.3945% | 5,315 |
| Return on Equity (ROE) | 1.4204% | 5,574 |
| Retained earnings to average equity (ytd only) | 1.4204% | 4,942 |
| Net charge-offs to loans | 0.3396% | 677 |
| Credit loss provision to net charge-offs | 68.0982% | 2,823 |
| Earnings coverage of net charge-offs (x) | 2.1288% | 3,616 |
| Efficiency ratio | 82.7957% | 1,097 |
| Assets per employee ($millions) | 3.9979% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 3,930 |
| Loan loss allowance to noncurrent loans | 1,697.5610% | 365 |
| Noncurrent assets plus other real estate owned to assets | 1.0029% | 2,058 |
| Noncurrent loans to loans | 0.0638% | 5,100 |
| Net loans and leases to total assets | 75.7647% | 1,559 |
| Net loans and leases to deposits | 94.4426% | 1,218 |
| Net loans and leases to core deposits | 103.8955% | 1,349 |
| Total domestic deposits to total assets | 80.2230% | 4,464 |
| Equity capital to assets | 16.4217% | 498 |
| Core capital (leverage) ratio | 12.9275% | 1,216 |
| Tier 1 risk-based capital ratio | 15.6651% | 2,760 |
| Total risk-based capital ratio | 16.7540% | 2,759 |
| Memoranda: | ||
| Average total assets | $79,755,000 | 4,776 |
| Average earning assets | $71,680,000 | 4,800 |
| Average equity | $13,704,250 | 4,019 |
| Average total loans | $63,994,000 | 4,204 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 1,950 |
| Cost of funding earning assets | 0.2504% | 4,653 |
| Net interest margin | 4.1090% | 1,346 |
| Noninterest income to average assets | 0.3854% | 3,984 |
| Noninterest expense to average assets | 3.5199% | 1,133 |
| Loan and lease loss provision to assets | 0.2629% | 710 |
| Net operating income to assets | 0.1787% | 5,562 |
| Return on assets (ROA) | 0.1787% | 5,616 |
| Pretax return on assets | 0.2884% | 5,517 |
| Return on Equity (ROE) | 1.0236% | 5,685 |
| Retained earnings to average equity (ytd only) | 1.0236% | 4,981 |
| Net charge-offs to loans | 0.5196% | 412 |
| Credit loss provision to net charge-offs | 62.0482% | 2,558 |
| Earnings coverage of net charge-offs (x) | 1.3012% | 3,429 |
| Efficiency ratio | 83.5737% | 1,086 |
| Assets per employee ($millions) | 3.9930% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 4,070 |
| Loan loss allowance to noncurrent loans | 1,491.3043% | 416 |
| Noncurrent assets plus other real estate owned to assets | 1.0982% | 1,927 |
| Noncurrent loans to loans | 0.0723% | 5,159 |
| Net loans and leases to total assets | 78.8653% | 1,087 |
| Net loans and leases to deposits | 95.5952% | 1,118 |
| Net loans and leases to core deposits | 111.8747% | 818 |
| Total domestic deposits to total assets | 82.4992% | 3,843 |
| Equity capital to assets | 17.1690% | 410 |
| Core capital (leverage) ratio | 12.5574% | 1,324 |
| Tier 1 risk-based capital ratio | 15.8926% | 2,694 |
| Total risk-based capital ratio | 16.9913% | 2,701 |
| Memoranda: | ||
| Average total assets | $78,354,670 | 4,854 |
| Average earning assets | $70,284,330 | 4,877 |
| Average equity | $13,676,670 | 4,040 |
| Average total loans | $63,890,330 | 4,239 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 2,024 |
| Cost of funding earning assets | 0.2470% | 4,737 |
| Net interest margin | 4.0843% | 1,387 |
| Noninterest income to average assets | 0.3608% | 4,147 |
| Noninterest expense to average assets | 3.5360% | 1,121 |
| Loan and lease loss provision to assets | 0.1701% | 1,212 |
| Net operating income to assets | 0.1959% | 5,530 |
| Return on assets (ROA) | 0.1959% | 5,590 |
| Pretax return on assets | 0.3196% | 5,476 |
| Return on Equity (ROE) | 1.1128% | 5,677 |
| Retained earnings to average equity (ytd only) | 1.1128% | 4,797 |
| Net charge-offs to loans | 1.0437% | 178 |
| Credit loss provision to net charge-offs | 19.7605% | 2,303 |
| Earnings coverage of net charge-offs (x) | 0.5689% | 2,916 |
| Efficiency ratio | 84.8912% | 1,075 |
| Assets per employee ($millions) | 3.8484% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 4,818 |
| Loan loss allowance to noncurrent loans | 1,230.0000% | 495 |
| Noncurrent assets plus other real estate owned to assets | 1.0901% | 2,031 |
| Noncurrent loans to loans | 0.0777% | 5,164 |
| Net loans and leases to total assets | 78.8398% | 974 |
| Net loans and leases to deposits | 95.2264% | 1,020 |
| Net loans and leases to core deposits | 122.5496% | 400 |
| Total domestic deposits to total assets | 82.7920% | 3,971 |
| Equity capital to assets | 16.9259% | 425 |
| Core capital (leverage) ratio | 13.3742% | 1,030 |
| Tier 1 risk-based capital ratio | 16.1126% | 2,628 |
| Total risk-based capital ratio | 17.1158% | 2,683 |
| Memoranda: | ||
| Average total assets | $77,602,500 | 4,906 |
| Average earning assets | $69,632,000 | 4,936 |
| Average equity | $13,659,500 | 4,049 |
| Average total loans | $64,002,000 | 4,261 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1733% | 2,648 |
| Cost of funding earning assets | 0.2565% | 4,721 |
| Net interest margin | 3.9168% | 1,974 |
| Noninterest income to average assets | 0.4625% | 3,581 |
| Noninterest expense to average assets | 3.5811% | 1,168 |
| Loan and lease loss provision to assets | 0.2183% | 948 |
| Net operating income to assets | 0.1173% | 5,732 |
| Return on assets (ROA) | 0.1173% | 5,773 |
| Pretax return on assets | 0.1842% | 5,701 |
| Return on Equity (ROE) | 0.6325% | 5,823 |
| Retained earnings to average equity (ytd only) | 0.6325% | 5,262 |
| Net charge-offs to loans | -0.0154% | 5,210 |
| Credit loss provision to net charge-offs | -1,777.7778% | 5,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7466% | 935 |
| Assets per employee ($millions) | 3.5423% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 3,603 |
| Loan loss allowance to noncurrent loans | 65.3578% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.5406% | 1,293 |
| Noncurrent loans to loans | 1.7998% | 1,217 |
| Net loans and leases to total assets | 84.5889% | 339 |
| Net loans and leases to deposits | 103.8761% | 448 |
| Net loans and leases to core deposits | 117.5930% | 554 |
| Total domestic deposits to total assets | 81.4325% | 4,357 |
| Equity capital to assets | 18.3363% | 290 |
| Core capital (leverage) ratio | 13.9648% | 834 |
| Tier 1 risk-based capital ratio | 16.8227% | 2,353 |
| Total risk-based capital ratio | 18.0736% | 2,302 |
| Memoranda: | ||
| Average total assets | $73,300,800 | 5,005 |
| Average earning assets | $65,894,800 | 5,047 |
| Average equity | $13,597,800 | 4,033 |
| Average total loans | $58,534,200 | 4,412 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 2,674 |
| Cost of funding earning assets | 0.2584% | 4,785 |
| Net interest margin | 3.9132% | 1,986 |
| Noninterest income to average assets | 0.3852% | 4,184 |
| Noninterest expense to average assets | 3.5309% | 1,233 |
| Loan and lease loss provision to assets | 0.2063% | 962 |
| Net operating income to assets | 0.0986% | 5,848 |
| Return on assets (ROA) | 0.0986% | 5,885 |
| Pretax return on assets | 0.1588% | 5,836 |
| Return on Equity (ROE) | 0.5299% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.5299% | 5,463 |
| Net charge-offs to loans | -0.0140% | 5,086 |
| Credit loss provision to net charge-offs | -1,883.3333% | 5,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3946% | 901 |
| Assets per employee ($millions) | 3.5836% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 3,667 |
| Loan loss allowance to noncurrent loans | 44.5223% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 2.2337% | 842 |
| Noncurrent loans to loans | 2.6931% | 718 |
| Net loans and leases to total assets | 73.0590% | 1,896 |
| Net loans and leases to deposits | 88.6493% | 1,813 |
| Net loans and leases to core deposits | 98.6859% | 1,637 |
| Total domestic deposits to total assets | 82.4135% | 4,019 |
| Equity capital to assets | 17.2618% | 408 |
| Core capital (leverage) ratio | 13.9097% | 887 |
| Tier 1 risk-based capital ratio | 17.9557% | 2,036 |
| Total risk-based capital ratio | 19.2065% | 2,003 |
| Memoranda: | ||
| Average total assets | $73,029,000 | 5,076 |
| Average earning assets | $65,520,250 | 5,110 |
| Average equity | $13,587,250 | 4,081 |
| Average total loans | $57,249,500 | 4,494 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 1,845 |
| Cost of funding earning assets | 0.2612% | 4,818 |
| Net interest margin | 4.1415% | 1,250 |
| Noninterest income to average assets | 0.3939% | 4,125 |
| Noninterest expense to average assets | 3.5166% | 1,276 |
| Loan and lease loss provision to assets | 0.2841% | 570 |
| Net operating income to assets | 0.1829% | 5,738 |
| Return on assets (ROA) | 0.1829% | 5,797 |
| Pretax return on assets | 0.2954% | 5,669 |
| Return on Equity (ROE) | 0.9573% | 5,910 |
| Retained earnings to average equity (ytd only) | 0.9573% | 5,189 |
| Net charge-offs to loans | -0.0351% | 5,393 |
| Credit loss provision to net charge-offs | -1,010.0000% | 5,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6923% | 1,411 |
| Assets per employee ($millions) | 3.5019% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 3,786 |
| Loan loss allowance to noncurrent loans | 114.5937% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.0797% | 2,354 |
| Noncurrent loans to loans | 1.0475% | 2,548 |
| Net loans and leases to total assets | 77.3358% | 1,158 |
| Net loans and leases to deposits | 95.3860% | 1,012 |
| Net loans and leases to core deposits | 105.6766% | 1,087 |
| Total domestic deposits to total assets | 81.0767% | 4,591 |
| Equity capital to assets | 18.5208% | 296 |
| Core capital (leverage) ratio | 14.5555% | 697 |
| Tier 1 risk-based capital ratio | 17.9179% | 2,087 |
| Total risk-based capital ratio | 19.1695% | 2,045 |
| Memoranda: | ||
| Average total assets | $71,092,330 | 5,180 |
| Average earning assets | $63,551,670 | 5,210 |
| Average equity | $13,580,000 | 4,110 |
| Average total loans | $56,900,000 | 4,546 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 1,808 |
| Cost of funding earning assets | 0.2694% | 4,796 |
| Net interest margin | 4.1185% | 1,231 |
| Noninterest income to average assets | 0.4179% | 3,859 |
| Noninterest expense to average assets | 3.5896% | 1,152 |
| Loan and lease loss provision to assets | 0.4007% | 292 |
| Net operating income to assets | 0.0630% | 5,939 |
| Return on assets (ROA) | 0.0630% | 5,987 |
| Pretax return on assets | 0.1030% | 5,940 |
| Return on Equity (ROE) | 0.3245% | 6,009 |
| Retained earnings to average equity (ytd only) | 0.3245% | 5,268 |
| Net charge-offs to loans | -0.0354% | 5,341 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4755% | 1,320 |
| Assets per employee ($millions) | 4.1576% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 4,314 |
| Loan loss allowance to noncurrent loans | 105.6452% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.1899% | 2,254 |
| Noncurrent loans to loans | 1.0801% | 2,601 |
| Net loans and leases to total assets | 80.2872% | 656 |
| Net loans and leases to deposits | 99.7311% | 578 |
| Net loans and leases to core deposits | 111.0596% | 704 |
| Total domestic deposits to total assets | 80.5037% | 4,933 |
| Equity capital to assets | 19.1921% | 257 |
| Core capital (leverage) ratio | 14.8401% | 632 |
| Tier 1 risk-based capital ratio | 18.3131% | 2,059 |
| Total risk-based capital ratio | 19.5302% | 2,023 |
| Memoranda: | ||
| Average total assets | $69,869,000 | 5,263 |
| Average earning assets | $62,353,500 | 5,298 |
| Average equity | $13,560,000 | 4,141 |
| Average total loans | $56,568,500 | 4,587 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 1,803 |
| Cost of funding earning assets | 0.2770% | 5,028 |
| Net interest margin | 4.2379% | 1,192 |
| Noninterest income to average assets | 0.5709% | 3,042 |
| Noninterest expense to average assets | 3.7453% | 1,071 |
| Loan and lease loss provision to assets | 0.3682% | 504 |
| Net operating income to assets | 0.1351% | 5,904 |
| Return on assets (ROA) | 0.1351% | 5,949 |
| Pretax return on assets | 0.2124% | 5,852 |
| Return on Equity (ROE) | 0.7265% | 6,002 |
| Retained earnings to average equity (ytd only) | 0.7265% | 5,439 |
| Net charge-offs to loans | 0.0572% | 3,686 |
| Credit loss provision to net charge-offs | 861.2903% | 317 |
| Earnings coverage of net charge-offs (x) | 13.5806% | 2,255 |
| Efficiency ratio | 83.6468% | 1,457 |
| Assets per employee ($millions) | 3.4529% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 4,849 |
| Loan loss allowance to noncurrent loans | 89.2308% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.2830% | 2,198 |
| Noncurrent loans to loans | 1.1662% | 2,497 |
| Net loans and leases to total assets | 79.8676% | 750 |
| Net loans and leases to deposits | 99.6999% | 638 |
| Net loans and leases to core deposits | 111.3568% | 716 |
| Total domestic deposits to total assets | 80.1080% | 4,990 |
| Equity capital to assets | 19.6284% | 240 |
| Core capital (leverage) ratio | 14.3165% | 746 |
| Tier 1 risk-based capital ratio | 18.8311% | 1,898 |
| Total risk-based capital ratio | 19.9888% | 1,890 |
| Memoranda: | ||
| Average total assets | $72,517,200 | 5,217 |
| Average earning assets | $64,253,400 | 5,272 |
| Average equity | $13,488,600 | 4,106 |
| Average total loans | $54,194,600 | 4,683 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 1,740 |
| Cost of funding earning assets | 0.2776% | 5,126 |
| Net interest margin | 4.2602% | 1,129 |
| Noninterest income to average assets | 0.6014% | 2,859 |
| Noninterest expense to average assets | 3.7320% | 1,077 |
| Loan and lease loss provision to assets | 0.4215% | 390 |
| Net operating income to assets | 0.1326% | 5,973 |
| Return on assets (ROA) | 0.1326% | 6,007 |
| Pretax return on assets | 0.2126% | 5,930 |
| Return on Equity (ROE) | 0.7225% | 6,072 |
| Retained earnings to average equity (ytd only) | 0.7225% | 5,587 |
| Net charge-offs to loans | 0.0867% | 2,968 |
| Credit loss provision to net charge-offs | 662.8571% | 450 |
| Earnings coverage of net charge-offs (x) | 9.9704% | 2,596 |
| Efficiency ratio | 82.6051% | 1,535 |
| Assets per employee ($millions) | 3.4571% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 5,414 |
| Loan loss allowance to noncurrent loans | 80.7463% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.2480% | 2,463 |
| Noncurrent loans to loans | 1.1799% | 2,702 |
| Net loans and leases to total assets | 77.4708% | 1,024 |
| Net loans and leases to deposits | 95.6969% | 907 |
| Net loans and leases to core deposits | 106.1469% | 950 |
| Total domestic deposits to total assets | 80.9543% | 4,832 |
| Equity capital to assets | 18.6366% | 292 |
| Core capital (leverage) ratio | 13.8362% | 885 |
| Tier 1 risk-based capital ratio | 18.1622% | 2,159 |
| Total risk-based capital ratio | 19.2183% | 2,180 |
| Memoranda: | ||
| Average total assets | $73,382,000 | 5,256 |
| Average earning assets | $64,846,750 | 5,308 |
| Average equity | $13,472,000 | 4,138 |
| Average total loans | $53,809,500 | 4,737 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 2,167 |
| Cost of funding earning assets | 0.2814% | 5,166 |
| Net interest margin | 4.1220% | 1,446 |
| Noninterest income to average assets | 0.5920% | 2,851 |
| Noninterest expense to average assets | 3.8239% | 940 |
| Loan and lease loss provision to assets | 0.3205% | 591 |
| Net operating income to assets | 0.0462% | 6,140 |
| Return on assets (ROA) | 0.0462% | 6,166 |
| Pretax return on assets | 0.0679% | 6,126 |
| Return on Equity (ROE) | 0.2527% | 6,181 |
| Retained earnings to average equity (ytd only) | 0.2527% | 5,617 |
| Net charge-offs to loans | 0.0871% | 2,821 |
| Credit loss provision to net charge-offs | 513.0435% | 572 |
| Earnings coverage of net charge-offs (x) | 6.2174% | 2,805 |
| Efficiency ratio | 87.8143% | 1,102 |
| Assets per employee ($millions) | 3.4922% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 5,927 |
| Loan loss allowance to noncurrent loans | 61.5708% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 1.6131% | 2,033 |
| Noncurrent loans to loans | 1.3319% | 2,587 |
| Net loans and leases to total assets | 72.3996% | 1,671 |
| Net loans and leases to deposits | 89.0975% | 1,469 |
| Net loans and leases to core deposits | 98.6713% | 1,396 |
| Total domestic deposits to total assets | 81.2589% | 4,894 |
| Equity capital to assets | 18.3730% | 305 |
| Core capital (leverage) ratio | 13.6449% | 935 |
| Tier 1 risk-based capital ratio | 19.4085% | 1,821 |
| Total risk-based capital ratio | 20.3248% | 1,865 |
| Memoranda: | ||
| Average total assets | $73,643,000 | 5,295 |
| Average earning assets | $64,676,670 | 5,366 |
| Average equity | $13,452,670 | 4,145 |
| Average total loans | $52,818,000 | 4,798 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2147% | 2,822 |
| Cost of funding earning assets | 0.2900% | 5,170 |
| Net interest margin | 3.9246% | 1,994 |
| Noninterest income to average assets | 0.6721% | 2,336 |
| Noninterest expense to average assets | 4.1303% | 650 |
| Loan and lease loss provision to assets | 0.2439% | 892 |
| Net operating income to assets | -0.1626% | 6,334 |
| Return on assets (ROA) | -0.1626% | 6,337 |
| Pretax return on assets | -0.2548% | 6,370 |
| Return on Equity (ROE) | -0.8927% | 6,289 |
| Retained earnings to average equity (ytd only) | -0.8927% | 5,711 |
| Net charge-offs to loans | 0.1144% | 2,031 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | -0.1333% | 3,443 |
| Efficiency ratio | 97.2368% | 580 |
| Assets per employee ($millions) | 3.6095% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6791% | 6,306 |
| Loan loss allowance to noncurrent loans | 38.3590% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 1.7163% | 2,057 |
| Noncurrent loans to loans | 1.7703% | 2,175 |
| Net loans and leases to total assets | 75.7747% | 1,030 |
| Net loans and leases to deposits | 93.5204% | 834 |
| Net loans and leases to core deposits | 104.5269% | 824 |
| Total domestic deposits to total assets | 81.0248% | 5,227 |
| Equity capital to assets | 18.5998% | 283 |
| Core capital (leverage) ratio | 13.7746% | 900 |
| Tier 1 risk-based capital ratio | 18.5780% | 2,098 |
| Total risk-based capital ratio | 19.3309% | 2,239 |
| Memoranda: | ||
| Average total assets | $73,796,500 | 5,344 |
| Average earning assets | $64,821,500 | 5,415 |
| Average equity | $13,442,000 | 4,159 |
| Average total loans | $52,460,000 | 4,846 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 2,332 |
| Cost of funding earning assets | 0.4079% | 4,561 |
| Net interest margin | 4.0604% | 1,764 |
| Noninterest income to average assets | 0.6054% | 3,062 |
| Noninterest expense to average assets | 3.3622% | 1,968 |
| Loan and lease loss provision to assets | 0.3847% | 790 |
| Net operating income to assets | 0.2785% | 5,594 |
| Return on assets (ROA) | 0.1525% | 6,001 |
| Pretax return on assets | 0.3212% | 5,669 |
| Return on Equity (ROE) | 0.9820% | 6,087 |
| Retained earnings to average equity (ytd only) | 0.9820% | 5,400 |
| Net charge-offs to loans | -0.0199% | 6,141 |
| Credit loss provision to net charge-offs | -3,027.2727% | 6,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6309% | 2,525 |
| Assets per employee ($millions) | 3.5907% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 6,358 |
| Loan loss allowance to noncurrent loans | 34.2629% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 1.6418% | 2,253 |
| Noncurrent loans to loans | 2.0142% | 1,976 |
| Net loans and leases to total assets | 65.6477% | 2,743 |
| Net loans and leases to deposits | 80.4188% | 2,398 |
| Net loans and leases to core deposits | 91.4180% | 1,857 |
| Total domestic deposits to total assets | 81.6323% | 4,999 |
| Equity capital to assets | 17.8465% | 331 |
| Core capital (leverage) ratio | 12.4806% | 1,373 |
| Tier 1 risk-based capital ratio | 19.0673% | 1,900 |
| Total risk-based capital ratio | 19.7768% | 2,036 |
| Memoranda: | ||
| Average total assets | $86,550,400 | 5,064 |
| Average earning assets | $76,495,000 | 5,132 |
| Average equity | $13,442,600 | 4,175 |
| Average total loans | $55,399,000 | 4,771 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5223% | 2,149 |
| Cost of funding earning assets | 0.4174% | 4,648 |
| Net interest margin | 4.1049% | 1,619 |
| Noninterest income to average assets | 0.5940% | 3,184 |
| Noninterest expense to average assets | 3.2252% | 2,285 |
| Loan and lease loss provision to assets | 0.3731% | 835 |
| Net operating income to assets | 0.3850% | 5,300 |
| Return on assets (ROA) | 0.3850% | 5,437 |
| Pretax return on assets | 0.6209% | 4,946 |
| Return on Equity (ROE) | 2.5596% | 5,765 |
| Retained earnings to average equity (ytd only) | 2.5596% | 4,789 |
| Net charge-offs to loans | -0.0188% | 6,026 |
| Credit loss provision to net charge-offs | -3,125.0000% | 6,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0007% | 3,071 |
| Assets per employee ($millions) | 4.0452% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5079% | 6,651 |
| Loan loss allowance to noncurrent loans | 68.2540% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 0.7565% | 4,215 |
| Noncurrent loans to loans | 0.7442% | 4,358 |
| Net loans and leases to total assets | 62.4654% | 3,273 |
| Net loans and leases to deposits | 75.5897% | 3,015 |
| Net loans and leases to core deposits | 89.2202% | 2,048 |
| Total domestic deposits to total assets | 82.6374% | 4,705 |
| Equity capital to assets | 16.7890% | 438 |
| Core capital (leverage) ratio | 11.9810% | 1,684 |
| Tier 1 risk-based capital ratio | 19.3961% | 1,885 |
| Total risk-based capital ratio | 19.9315% | 2,057 |
| Memoranda: | ||
| Average total assets | $89,337,000 | 5,046 |
| Average earning assets | $78,895,250 | 5,110 |
| Average equity | $13,439,000 | 4,227 |
| Average total loans | $56,787,500 | 4,765 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 2,574 |
| Cost of funding earning assets | 0.4279% | 4,678 |
| Net interest margin | 3.9695% | 1,968 |
| Noninterest income to average assets | 0.5339% | 3,612 |
| Noninterest expense to average assets | 3.2383% | 2,245 |
| Loan and lease loss provision to assets | 0.2887% | 1,260 |
| Net operating income to assets | 0.3169% | 5,533 |
| Return on assets (ROA) | 0.3169% | 5,690 |
| Pretax return on assets | 0.5100% | 5,335 |
| Return on Equity (ROE) | 2.1806% | 5,894 |
| Retained earnings to average equity (ytd only) | 2.1806% | 4,891 |
| Net charge-offs to loans | -0.0034% | 5,583 |
| Credit loss provision to net charge-offs | -13,300.0000% | 6,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7419% | 2,504 |
| Assets per employee ($millions) | 4.5791% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2257% | 6,828 |
| Loan loss allowance to noncurrent loans | 39.8810% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 1.5000% | 2,851 |
| Noncurrent loans to loans | 0.5659% | 4,845 |
| Net loans and leases to total assets | 68.0950% | 2,211 |
| Net loans and leases to deposits | 80.9997% | 2,179 |
| Net loans and leases to core deposits | 96.3725% | 1,321 |
| Total domestic deposits to total assets | 84.0682% | 4,288 |
| Equity capital to assets | 15.4836% | 620 |
| Core capital (leverage) ratio | 10.9850% | 2,365 |
| Tier 1 risk-based capital ratio | 16.0086% | 3,190 |
| Total risk-based capital ratio | 16.2432% | 3,749 |
| Memoranda: | ||
| Average total assets | $92,148,000 | 5,005 |
| Average earning assets | $81,319,670 | 5,077 |
| Average equity | $13,391,000 | 4,263 |
| Average total loans | $58,785,000 | 4,710 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 3,170 |
| Cost of funding earning assets | 0.4342% | 4,765 |
| Net interest margin | 3.7994% | 2,456 |
| Noninterest income to average assets | 0.7390% | 2,379 |
| Noninterest expense to average assets | 3.3488% | 1,960 |
| Loan and lease loss provision to assets | 0.4350% | 676 |
| Net operating income to assets | 0.2196% | 5,823 |
| Return on assets (ROA) | 0.2196% | 5,947 |
| Pretax return on assets | 0.3547% | 5,706 |
| Return on Equity (ROE) | 1.5579% | 6,072 |
| Retained earnings to average equity (ytd only) | 1.5579% | 5,206 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5714% | 2,519 |
| Assets per employee ($millions) | 4.2010% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1721% | 6,921 |
| Loan loss allowance to noncurrent loans | 13.4115% | 6,462 |
| Noncurrent assets plus other real estate owned to assets | 1.8210% | 2,585 |
| Noncurrent loans to loans | 1.2829% | 3,635 |
| Net loans and leases to total assets | 64.6625% | 2,590 |
| Net loans and leases to deposits | 75.9474% | 2,642 |
| Net loans and leases to core deposits | 95.3812% | 1,240 |
| Total domestic deposits to total assets | 85.1411% | 3,968 |
| Equity capital to assets | 14.4737% | 886 |
| Core capital (leverage) ratio | 10.3190% | 3,004 |
| Tier 1 risk-based capital ratio | 14.6135% | 4,099 |
| Total risk-based capital ratio | 14.7806% | 4,802 |
| Memoranda: | ||
| Average total assets | $94,721,000 | 4,985 |
| Average earning assets | $84,750,000 | 5,016 |
| Average equity | $13,351,000 | 4,316 |
| Average total loans | $58,488,500 | 4,759 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5697% | 7,052 |
| Cost of funding earning assets | 0.0725% | 7,019 |
| Net interest margin | 0.4972% | 7,050 |
| Noninterest income to average assets | 0.0731% | 6,612 |
| Noninterest expense to average assets | 0.4702% | 7,045 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0554% | 6,078 |
| Return on assets (ROA) | 0.0554% | 6,224 |
| Pretax return on assets | 0.0554% | 6,217 |
| Return on Equity (ROE) | 0.5974% | 6,200 |
| Retained earnings to average equity (ytd only) | 0.5974% | 5,553 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4439% | 1,288 |
| Assets per employee ($millions) | 3.8808% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 2.4119% | 2,031 |
| Noncurrent loans to loans | 2.4951% | 2,119 |
| Net loans and leases to total assets | 58.8658% | 3,826 |
| Net loans and leases to deposits | 68.4349% | 3,910 |
| Net loans and leases to core deposits | 77.4754% | 3,339 |
| Total domestic deposits to total assets | 86.0172% | 3,360 |
| Equity capital to assets | 13.7344% | 1,139 |
| Core capital (leverage) ratio | 10.5239% | 2,734 |
| Tier 1 risk-based capital ratio | 14.9447% | 3,747 |
| Total risk-based capital ratio | 14.9447% | 4,557 |
| Memoranda: | ||
| Average total assets | $84,851,200 | 5,225 |
| Average earning assets | $77,228,000 | 5,208 |
| Average equity | $7,866,800 | 5,537 |
| Average total loans | $58,519,000 | 4,773 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7868% | 2,437 |
| Cost of funding earning assets | 0.5852% | 4,788 |
| Net interest margin | 4.2016% | 1,731 |
| Noninterest income to average assets | 0.4400% | 4,368 |
| Noninterest expense to average assets | 3.4991% | 1,762 |
| Loan and lease loss provision to assets | 0.2771% | 2,355 |
| Net operating income to assets | 0.5020% | 4,838 |
| Return on assets (ROA) | 0.5020% | 5,099 |
| Pretax return on assets | 0.5020% | 5,461 |
| Return on Equity (ROE) | 6.3157% | 4,165 |
| Retained earnings to average equity (ytd only) | 6.3157% | 2,475 |
| Net charge-offs to loans | 0.3374% | 2,772 |
| Credit loss provision to net charge-offs | 114.0940% | 2,558 |
| Earnings coverage of net charge-offs (x) | 3.2081% | 3,746 |
| Efficiency ratio | 81.7905% | 1,833 |
| Assets per employee ($millions) | 3.2854% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 4,877 |
| Loan loss allowance to noncurrent loans | 87.8646% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 2.6444% | 1,994 |
| Noncurrent loans to loans | 1.4636% | 3,600 |
| Net loans and leases to total assets | 70.3756% | 1,837 |
| Net loans and leases to deposits | 76.9086% | 2,832 |
| Net loans and leases to core deposits | 84.9182% | 2,585 |
| Total domestic deposits to total assets | 91.5054% | 285 |
| Equity capital to assets | 8.0964% | 6,548 |
| Core capital (leverage) ratio | 8.2290% | 6,107 |
| Tier 1 risk-based capital ratio | 11.2899% | 6,364 |
| Total risk-based capital ratio | 12.5395% | 6,325 |
| Memoranda: | ||
| Average total assets | $81,809,250 | 5,357 |
| Average earning assets | $74,731,250 | 5,338 |
| Average equity | $6,502,250 | 5,959 |
| Average total loans | $58,871,000 | 4,805 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8252% | 2,408 |
| Cost of funding earning assets | 0.5884% | 5,001 |
| Net interest margin | 4.2368% | 1,647 |
| Noninterest income to average assets | 0.5067% | 3,884 |
| Noninterest expense to average assets | 3.5349% | 1,713 |
| Loan and lease loss provision to assets | 0.2203% | 2,873 |
| Net operating income to assets | 0.6120% | 4,324 |
| Return on assets (ROA) | 0.6120% | 4,571 |
| Pretax return on assets | 0.6120% | 5,094 |
| Return on Equity (ROE) | 7.7483% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.7483% | 1,743 |
| Net charge-offs to loans | -0.0305% | 6,529 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9417% | 2,039 |
| Assets per employee ($millions) | 3.3303% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 4,425 |
| Loan loss allowance to noncurrent loans | 60.6282% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.9818% | 2,797 |
| Noncurrent loans to loans | 2.3248% | 2,572 |
| Net loans and leases to total assets | 72.6372% | 1,456 |
| Net loans and leases to deposits | 79.4950% | 2,453 |
| Net loans and leases to core deposits | 89.4063% | 2,043 |
| Total domestic deposits to total assets | 91.3733% | 337 |
| Equity capital to assets | 8.2489% | 6,414 |
| Core capital (leverage) ratio | 8.3319% | 5,868 |
| Tier 1 risk-based capital ratio | 11.3231% | 6,332 |
| Total risk-based capital ratio | 12.5751% | 6,303 |
| Memoranda: | ||
| Average total assets | $81,700,670 | 5,389 |
| Average earning assets | $74,443,000 | 5,385 |
| Average equity | $6,453,000 | 5,998 |
| Average total loans | $58,976,000 | 4,826 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7389% | 2,896 |
| Cost of funding earning assets | 0.6037% | 5,092 |
| Net interest margin | 4.1352% | 1,980 |
| Noninterest income to average assets | 0.3100% | 5,403 |
| Noninterest expense to average assets | 3.4339% | 1,928 |
| Loan and lease loss provision to assets | 0.2179% | 2,759 |
| Net operating income to assets | 0.4068% | 5,224 |
| Return on assets (ROA) | 0.4068% | 5,410 |
| Pretax return on assets | 0.4068% | 5,705 |
| Return on Equity (ROE) | 5.2640% | 4,661 |
| Retained earnings to average equity (ytd only) | 5.2640% | 3,394 |
| Net charge-offs to loans | -0.0474% | 6,513 |
| Credit loss provision to net charge-offs | -642.8571% | 5,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6062% | 1,624 |
| Assets per employee ($millions) | 3.3928% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 4,945 |
| Loan loss allowance to noncurrent loans | 51.4436% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 2.3567% | 2,523 |
| Noncurrent loans to loans | 2.5594% | 2,547 |
| Net loans and leases to total assets | 72.1649% | 1,374 |
| Net loans and leases to deposits | 78.6395% | 2,393 |
| Net loans and leases to core deposits | 87.2110% | 2,145 |
| Total domestic deposits to total assets | 91.7668% | 314 |
| Equity capital to assets | 7.8906% | 6,589 |
| Core capital (leverage) ratio | 8.0039% | 6,258 |
| Tier 1 risk-based capital ratio | 10.8527% | 6,597 |
| Total risk-based capital ratio | 12.1043% | 6,587 |
| Memoranda: | ||
| Average total assets | $82,588,000 | 5,398 |
| Average earning assets | $74,869,000 | 5,408 |
| Average equity | $6,383,000 | 6,049 |
| Average total loans | $59,021,000 | 4,856 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2365% | 1,923 |
| Cost of funding earning assets | 0.8568% | 4,423 |
| Net interest margin | 4.3797% | 1,446 |
| Noninterest income to average assets | 0.9196% | 1,605 |
| Noninterest expense to average assets | 3.6526% | 1,632 |
| Loan and lease loss provision to assets | 0.8283% | 1,181 |
| Net operating income to assets | 0.4360% | 4,707 |
| Return on assets (ROA) | 0.4360% | 4,911 |
| Pretax return on assets | 0.4360% | 5,184 |
| Return on Equity (ROE) | 5.1601% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.1601% | 2,532 |
| Net charge-offs to loans | 0.7466% | 2,287 |
| Credit loss provision to net charge-offs | 145.8034% | 1,969 |
| Earnings coverage of net charge-offs (x) | 2.2254% | 4,116 |
| Efficiency ratio | 74.2865% | 3,176 |
| Assets per employee ($millions) | 3.3500% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 5,163 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 1.1272% | 4,350 |
| Noncurrent loans to loans | 0.9385% | 4,825 |
| Net loans and leases to total assets | 68.9731% | 2,216 |
| Net loans and leases to deposits | 74.8998% | 3,363 |
| Net loans and leases to core deposits | 82.4684% | 3,116 |
| Total domestic deposits to total assets | 92.0872% | 227 |
| Equity capital to assets | 7.5713% | 6,782 |
| Core capital (leverage) ratio | 8.0524% | 6,202 |
| Tier 1 risk-based capital ratio | 10.5712% | 6,655 |
| Total risk-based capital ratio | 11.7915% | 6,647 |
| Memoranda: | ||
| Average total assets | $73,400,200 | 5,662 |
| Average earning assets | $66,991,600 | 5,642 |
| Average equity | $6,201,400 | 6,102 |
| Average total loans | $55,849,600 | 5,032 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4018% | 1,502 |
| Cost of funding earning assets | 0.9250% | 4,236 |
| Net interest margin | 4.4768% | 1,203 |
| Noninterest income to average assets | 1.0920% | 1,122 |
| Noninterest expense to average assets | 3.7318% | 1,433 |
| Loan and lease loss provision to assets | 1.0563% | 794 |
| Net operating income to assets | 0.4048% | 4,973 |
| Return on assets (ROA) | 0.4048% | 5,160 |
| Pretax return on assets | 0.4048% | 5,452 |
| Return on Equity (ROE) | 4.6487% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.6487% | 3,414 |
| Net charge-offs to loans | 0.9543% | 1,684 |
| Credit loss provision to net charge-offs | 142.0253% | 2,241 |
| Earnings coverage of net charge-offs (x) | 1.9646% | 4,184 |
| Efficiency ratio | 71.8637% | 3,576 |
| Assets per employee ($millions) | 3.2324% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 5,454 |
| Loan loss allowance to noncurrent loans | 138.9764% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 4,885 |
| Noncurrent loans to loans | 0.8657% | 5,132 |
| Net loans and leases to total assets | 71.7411% | 1,769 |
| Net loans and leases to deposits | 78.0942% | 2,963 |
| Net loans and leases to core deposits | 85.3010% | 2,874 |
| Total domestic deposits to total assets | 91.8649% | 231 |
| Equity capital to assets | 7.7181% | 6,837 |
| Core capital (leverage) ratio | 8.6689% | 5,458 |
| Tier 1 risk-based capital ratio | 10.4110% | 6,814 |
| Total risk-based capital ratio | 11.5894% | 6,830 |
| Memoranda: | ||
| Average total assets | $70,812,750 | 5,761 |
| Average earning assets | $64,866,000 | 5,747 |
| Average equity | $6,166,500 | 6,160 |
| Average total loans | $55,187,750 | 5,107 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4642% | 1,378 |
| Cost of funding earning assets | 0.9817% | 4,074 |
| Net interest margin | 4.4826% | 1,178 |
| Noninterest income to average assets | 0.6965% | 2,573 |
| Noninterest expense to average assets | 3.6959% | 1,536 |
| Loan and lease loss provision to assets | 0.3853% | 2,489 |
| Net operating income to assets | 0.7024% | 3,536 |
| Return on assets (ROA) | 0.7024% | 3,645 |
| Pretax return on assets | 0.7024% | 4,376 |
| Return on Equity (ROE) | 7.7161% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.7161% | 1,572 |
| Net charge-offs to loans | 0.2406% | 3,682 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 5.6462% | 2,568 |
| Efficiency ratio | 77.2615% | 2,816 |
| Assets per employee ($millions) | 3.0636% | 5,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 6,188 |
| Loan loss allowance to noncurrent loans | 4,653.8462% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 6,251 |
| Noncurrent loans to loans | 0.0223% | 6,939 |
| Net loans and leases to total assets | 78.3478% | 728 |
| Net loans and leases to deposits | 86.1798% | 1,768 |
| Net loans and leases to core deposits | 95.0924% | 1,779 |
| Total domestic deposits to total assets | 90.9121% | 530 |
| Equity capital to assets | 8.5126% | 6,163 |
| Core capital (leverage) ratio | 9.3180% | 4,226 |
| Tier 1 risk-based capital ratio | 10.7105% | 6,708 |
| Total risk-based capital ratio | 11.7458% | 6,787 |
| Memoranda: | ||
| Average total assets | $67,480,330 | 5,902 |
| Average earning assets | $61,527,330 | 5,907 |
| Average equity | $6,143,000 | 6,192 |
| Average total loans | $54,023,670 | 5,209 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5285% | 1,227 |
| Cost of funding earning assets | 0.9894% | 4,276 |
| Net interest margin | 4.5391% | 985 |
| Noninterest income to average assets | 0.8067% | 2,003 |
| Noninterest expense to average assets | 3.7730% | 1,384 |
| Loan and lease loss provision to assets | 0.4654% | 1,895 |
| Net operating income to assets | 0.7819% | 3,113 |
| Return on assets (ROA) | 0.7819% | 3,185 |
| Pretax return on assets | 0.7819% | 3,966 |
| Return on Equity (ROE) | 8.2827% | 2,782 |
| Retained earnings to average equity (ytd only) | 8.2827% | 1,622 |
| Net charge-offs to loans | 0.5623% | 2,084 |
| Credit loss provision to net charge-offs | 102.7397% | 2,581 |
| Earnings coverage of net charge-offs (x) | 2.7534% | 2,977 |
| Efficiency ratio | 75.1545% | 3,311 |
| Assets per employee ($millions) | 2.9971% | 6,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 6,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8053% | 5,297 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 80.4526% | 473 |
| Net loans and leases to deposits | 89.2313% | 1,324 |
| Net loans and leases to core deposits | 99.2015% | 1,407 |
| Total domestic deposits to total assets | 90.1618% | 1,051 |
| Equity capital to assets | 9.3241% | 4,687 |
| Core capital (leverage) ratio | 9.5692% | 3,701 |
| Tier 1 risk-based capital ratio | 11.3484% | 6,213 |
| Total risk-based capital ratio | 12.3489% | 6,410 |
| Memoranda: | ||
| Average total assets | $64,457,500 | 6,047 |
| Average earning assets | $59,835,500 | 6,002 |
| Average equity | $6,085,000 | 6,215 |
| Average total loans | $51,930,000 | 5,331 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9046% | 1,035 |
| Cost of funding earning assets | 1.0699% | 5,312 |
| Net interest margin | 4.8347% | 628 |
| Noninterest income to average assets | 0.6507% | 3,148 |
| Noninterest expense to average assets | 4.1875% | 914 |
| Loan and lease loss provision to assets | 0.3344% | 4,146 |
| Net operating income to assets | 0.5143% | 4,027 |
| Return on assets (ROA) | 0.5143% | 4,184 |
| Pretax return on assets | 0.5143% | 4,568 |
| Return on Equity (ROE) | 4.8492% | 4,136 |
| Retained earnings to average equity (ytd only) | 4.8492% | 2,509 |
| Net charge-offs to loans | 0.0045% | 6,801 |
| Credit loss provision to net charge-offs | 9,200.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 233.5000% | 102 |
| Efficiency ratio | 83.1469% | 2,035 |
| Assets per employee ($millions) | 2.9990% | 6,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 6,041 |
| Loan loss allowance to noncurrent loans | 121.0291% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.1020% | 4,811 |
| Noncurrent loans to loans | 0.8892% | 5,280 |
| Net loans and leases to total assets | 78.9625% | 803 |
| Net loans and leases to deposits | 87.7906% | 1,826 |
| Net loans and leases to core deposits | 98.0191% | 1,796 |
| Total domestic deposits to total assets | 89.9441% | 1,131 |
| Equity capital to assets | 9.5621% | 4,323 |
| Core capital (leverage) ratio | 9.6372% | 3,502 |
| Tier 1 risk-based capital ratio | 11.9603% | 5,510 |
| Total risk-based capital ratio | 13.0348% | 5,664 |
| Memoranda: | ||
| Average total assets | $55,021,400 | 6,371 |
| Average earning assets | $49,910,200 | 6,370 |
| Average equity | $5,836,000 | 6,415 |
| Average total loans | $44,404,000 | 5,730 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0385% | 863 |
| Cost of funding earning assets | 1.0674% | 5,607 |
| Net interest margin | 4.9711% | 469 |
| Noninterest income to average assets | 0.7165% | 2,730 |
| Noninterest expense to average assets | 4.3897% | 668 |
| Loan and lease loss provision to assets | 0.3394% | 3,885 |
| Net operating income to assets | 0.4601% | 4,490 |
| Return on assets (ROA) | 0.4601% | 4,670 |
| Pretax return on assets | 0.4601% | 5,044 |
| Return on Equity (ROE) | 4.2144% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.2144% | 3,523 |
| Net charge-offs to loans | 0.0062% | 6,577 |
| Credit loss provision to net charge-offs | 6,750.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 158.7978% | 202 |
| Efficiency ratio | 84.5930% | 1,774 |
| Assets per employee ($millions) | 2.8414% | 6,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 6,328 |
| Loan loss allowance to noncurrent loans | 103.1513% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.9452% | 5,207 |
| Noncurrent loans to loans | 0.9836% | 5,270 |
| Net loans and leases to total assets | 80.2765% | 699 |
| Net loans and leases to deposits | 89.7476% | 1,758 |
| Net loans and leases to core deposits | 101.4357% | 1,705 |
| Total domestic deposits to total assets | 89.4470% | 1,149 |
| Equity capital to assets | 9.9246% | 4,259 |
| Core capital (leverage) ratio | 10.2186% | 3,021 |
| Tier 1 risk-based capital ratio | 12.2533% | 5,216 |
| Total risk-based capital ratio | 13.2692% | 5,417 |
| Memoranda: | ||
| Average total assets | $53,032,250 | 6,507 |
| Average earning assets | $47,715,000 | 6,520 |
| Average equity | $5,789,500 | 6,517 |
| Average total loans | $42,937,500 | 5,878 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0263% | 885 |
| Cost of funding earning assets | 1.0475% | 5,927 |
| Net interest margin | 4.9788% | 442 |
| Noninterest income to average assets | 0.4644% | 4,402 |
| Noninterest expense to average assets | 4.6045% | 518 |
| Loan and lease loss provision to assets | 0.2794% | 4,164 |
| Net operating income to assets | 0.0512% | 5,989 |
| Return on assets (ROA) | 0.0512% | 6,091 |
| Pretax return on assets | 0.0512% | 6,071 |
| Return on Equity (ROE) | 0.4525% | 6,097 |
| Retained earnings to average equity (ytd only) | 0.4525% | 5,581 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3014% | 1,103 |
| Assets per employee ($millions) | 3.0371% | 6,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 6,567 |
| Loan loss allowance to noncurrent loans | 73.2082% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.3049% | 4,540 |
| Noncurrent loans to loans | 1.3104% | 4,762 |
| Net loans and leases to total assets | 76.7555% | 1,340 |
| Net loans and leases to deposits | 85.5782% | 2,579 |
| Net loans and leases to core deposits | 91.9721% | 2,993 |
| Total domestic deposits to total assets | 89.6905% | 1,077 |
| Equity capital to assets | 9.9681% | 4,060 |
| Core capital (leverage) ratio | 10.8116% | 2,391 |
| Tier 1 risk-based capital ratio | 12.7539% | 4,645 |
| Total risk-based capital ratio | 13.7051% | 4,879 |
| Memoranda: | ||
| Average total assets | $50,819,670 | 6,621 |
| Average earning assets | $45,633,670 | 6,650 |
| Average equity | $5,745,330 | 6,546 |
| Average total loans | $41,119,330 | 6,005 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3056% | 523 |
| Cost of funding earning assets | 1.0243% | 6,253 |
| Net interest margin | 5.2813% | 249 |
| Noninterest income to average assets | 0.4981% | 4,060 |
| Noninterest expense to average assets | 4.9137% | 390 |
| Loan and lease loss provision to assets | 0.2786% | 3,800 |
| Net operating income to assets | 0.0507% | 6,157 |
| Return on assets (ROA) | 0.0507% | 6,268 |
| Pretax return on assets | 0.0507% | 6,253 |
| Return on Equity (ROE) | 0.4180% | 6,302 |
| Retained earnings to average equity (ytd only) | 0.4180% | 5,669 |
| Net charge-offs to loans | 0.0407% | 5,007 |
| Credit loss provision to net charge-offs | 825.0000% | 556 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 1,813 |
| Efficiency ratio | 93.7198% | 1,150 |
| Assets per employee ($millions) | 2.3157% | 7,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 6,791 |
| Loan loss allowance to noncurrent loans | 153.5714% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 6,247 |
| Noncurrent loans to loans | 0.5970% | 6,113 |
| Net loans and leases to total assets | 82.0928% | 583 |
| Net loans and leases to deposits | 92.6887% | 1,512 |
| Net loans and leases to core deposits | 101.2909% | 1,994 |
| Total domestic deposits to total assets | 88.5683% | 1,749 |
| Equity capital to assets | 11.2766% | 2,519 |
| Core capital (leverage) ratio | 12.4764% | 1,414 |
| Tier 1 risk-based capital ratio | 14.0805% | 3,607 |
| Total risk-based capital ratio | 15.0290% | 3,763 |
| Memoranda: | ||
| Average total assets | $47,377,500 | 6,827 |
| Average earning assets | $42,565,500 | 6,833 |
| Average equity | $5,742,000 | 6,597 |
| Average total loans | $39,319,000 | 6,154 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1827% | 1,283 |
| Cost of funding earning assets | 1.1904% | 6,686 |
| Net interest margin | 4.9923% | 458 |
| Noninterest income to average assets | 0.5726% | 3,835 |
| Noninterest expense to average assets | 5.0311% | 507 |
| Loan and lease loss provision to assets | 0.3514% | 4,697 |
| Net operating income to assets | -0.2889% | 5,956 |
| Return on assets (ROA) | -0.2889% | 5,956 |
| Pretax return on assets | -0.3019% | 5,832 |
| Return on Equity (ROE) | -1.9159% | 5,846 |
| Retained earnings to average equity (ytd only) | -1.9159% | 5,497 |
| Net charge-offs to loans | 0.0031% | 7,207 |
| Credit loss provision to net charge-offs | 13,500.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,105 |
| Efficiency ratio | 99.0266% | 1,150 |
| Assets per employee ($millions) | 1.9047% | 7,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 6,476 |
| Loan loss allowance to noncurrent loans | 730.6122% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 7,207 |
| Noncurrent loans to loans | 0.1345% | 7,096 |
| Net loans and leases to total assets | 82.3347% | 636 |
| Net loans and leases to deposits | 94.9186% | 1,472 |
| Net loans and leases to core deposits | 124.1097% | 1,630 |
| Total domestic deposits to total assets | 86.7425% | 2,633 |
| Equity capital to assets | 13.1000% | 1,469 |
| Core capital (leverage) ratio | 13.3932% | 1,125 |
| Tier 1 risk-based capital ratio | 15.5951% | 2,678 |
| Total risk-based capital ratio | 16.5679% | 2,751 |
| Memoranda: | ||
| Average total assets | $38,421,400 | 7,156 |
| Average earning assets | $34,693,400 | 7,152 |
| Average equity | $5,793,600 | 6,674 |
| Average total loans | $32,545,400 | 6,492 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2138% | 1,339 |
| Cost of funding earning assets | 1.2348% | 6,781 |
| Net interest margin | 4.9790% | 463 |
| Noninterest income to average assets | 0.5682% | 3,938 |
| Noninterest expense to average assets | 4.9269% | 514 |
| Loan and lease loss provision to assets | 0.2841% | 4,701 |
| Net operating income to assets | -0.1438% | 5,975 |
| Return on assets (ROA) | -0.1438% | 5,992 |
| Pretax return on assets | -0.1618% | 5,921 |
| Return on Equity (ROE) | -0.9183% | 5,915 |
| Retained earnings to average equity (ytd only) | -0.9183% | 5,466 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5783% | 1,182 |
| Assets per employee ($millions) | 1.9843% | 7,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 6,853 |
| Loan loss allowance to noncurrent loans | 644.6809% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 7,268 |
| Noncurrent loans to loans | 0.1361% | 7,140 |
| Net loans and leases to total assets | 82.1334% | 787 |
| Net loans and leases to deposits | 95.7477% | 1,613 |
| Net loans and leases to core deposits | 118.6350% | 2,366 |
| Total domestic deposits to total assets | 85.7811% | 2,815 |
| Equity capital to assets | 13.9429% | 1,323 |
| Core capital (leverage) ratio | 14.9403% | 871 |
| Tier 1 risk-based capital ratio | 16.4949% | 2,432 |
| Total risk-based capital ratio | 17.3551% | 2,524 |
| Memoranda: | ||
| Average total assets | $37,074,500 | 7,271 |
| Average earning assets | $33,365,750 | 7,275 |
| Average equity | $5,807,250 | 6,730 |
| Average total loans | $31,574,750 | 6,589 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2850% | 1,248 |
| Cost of funding earning assets | 1.2884% | 6,845 |
| Net interest margin | 4.9965% | 430 |
| Noninterest income to average assets | 0.6752% | 3,151 |
| Noninterest expense to average assets | 4.8955% | 553 |
| Loan and lease loss provision to assets | 0.2757% | 4,375 |
| Net operating income to assets | 0.0056% | 5,823 |
| Return on assets (ROA) | 0.0056% | 5,900 |
| Pretax return on assets | -0.0225% | 5,893 |
| Return on Equity (ROE) | 0.0344% | 5,908 |
| Retained earnings to average equity (ytd only) | 0.0344% | 5,187 |
| Net charge-offs to loans | -0.0065% | 7,559 |
| Credit loss provision to net charge-offs | -4,900.0000% | 7,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0820% | 1,432 |
| Assets per employee ($millions) | 2.0757% | 7,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7942% | 7,177 |
| Loan loss allowance to noncurrent loans | 761.1111% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 6,957 |
| Noncurrent loans to loans | 0.1043% | 7,265 |
| Net loans and leases to total assets | 86.7869% | 315 |
| Net loans and leases to deposits | 113.4095% | 424 |
| Net loans and leases to core deposits | 141.5041% | 955 |
| Total domestic deposits to total assets | 76.5252% | 6,431 |
| Equity capital to assets | 14.8359% | 1,071 |
| Core capital (leverage) ratio | 16.2226% | 716 |
| Tier 1 risk-based capital ratio | 17.0708% | 2,276 |
| Total risk-based capital ratio | 17.8702% | 2,363 |
| Memoranda: | ||
| Average total assets | $35,542,670 | 7,387 |
| Average earning assets | $31,822,000 | 7,410 |
| Average equity | $5,806,330 | 6,794 |
| Average total loans | $30,590,330 | 6,699 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1159% | 1,890 |
| Cost of funding earning assets | 1.2048% | 7,287 |
| Net interest margin | 4.9110% | 488 |
| Noninterest income to average assets | 0.7739% | 2,460 |
| Noninterest expense to average assets | 4.8698% | 527 |
| Loan and lease loss provision to assets | 0.2262% | 4,186 |
| Net operating income to assets | 0.2024% | 5,651 |
| Return on assets (ROA) | 0.2024% | 5,817 |
| Pretax return on assets | 0.1429% | 6,070 |
| Return on Equity (ROE) | 1.1757% | 6,074 |
| Retained earnings to average equity (ytd only) | 1.1757% | 5,168 |
| Net charge-offs to loans | -0.0140% | 7,354 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9545% | 1,503 |
| Assets per employee ($millions) | 1.7932% | 8,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7800% | 7,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 7,008 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 91.1065% | 91 |
| Net loans and leases to deposits | 121.7589% | 255 |
| Net loans and leases to core deposits | 149.1591% | 737 |
| Total domestic deposits to total assets | 74.8254% | 6,741 |
| Equity capital to assets | 17.2234% | 699 |
| Core capital (leverage) ratio | 18.3175% | 520 |
| Tier 1 risk-based capital ratio | 19.1903% | 1,774 |
| Total risk-based capital ratio | 19.9882% | 1,823 |
| Memoranda: | ||
| Average total assets | $33,595,000 | 7,510 |
| Average earning assets | $30,543,500 | 7,491 |
| Average equity | $5,784,000 | 6,844 |
| Average total loans | $28,635,000 | 6,838 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9892% | 1,163 |
| Cost of funding earning assets | 2.4749% | 4,335 |
| Net interest margin | 4.5142% | 1,388 |
| Noninterest income to average assets | 0.8059% | 2,483 |
| Noninterest expense to average assets | 4.7672% | 728 |
| Loan and lease loss provision to assets | 0.1074% | 5,998 |
| Net operating income to assets | 0.0143% | 6,329 |
| Return on assets (ROA) | 0.0143% | 6,185 |
| Pretax return on assets | 0.0143% | 6,126 |
| Return on Equity (ROE) | 0.0838% | 6,204 |
| Retained earnings to average equity (ytd only) | -0.9849% | 5,587 |
| Net charge-offs to loans | -0.0183% | 7,917 |
| Credit loss provision to net charge-offs | -750.0000% | 7,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5092% | 1,079 |
| Assets per employee ($millions) | 1.9482% | 7,955 |
| Cash dividends to net income (ytd only)* | 1,275.0000% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 6,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 6,840 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 77.7838% | 2,197 |
| Net loans and leases to deposits | 100.9562% | 1,713 |
| Net loans and leases to core deposits | 132.9583% | 1,655 |
| Total domestic deposits to total assets | 77.0471% | 5,974 |
| Equity capital to assets | 17.2101% | 758 |
| Core capital (leverage) ratio | 18.4126% | 562 |
| Tier 1 risk-based capital ratio | 21.2338% | 1,427 |
| Total risk-based capital ratio | 22.0682% | 1,457 |
| Memoranda: | ||
| Average total assets | $27,920,000 | 7,731 |
| Average earning assets | $25,253,400 | 7,725 |
| Average equity | $4,772,200 | 7,217 |
| Average total loans | $21,894,200 | 7,199 |