Home > Bank of The Rockies > Performance and Condition Ratios
Bank of The Rockies, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7473% | 882 |
| Cost of funding earning assets | 0.8330% | 3,655 |
| Net interest margin | 4.9142% | 354 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 3.4509% | 617 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.8136% | 599 |
| Return on assets (ROA) | 1.8123% | 580 |
| Pretax return on assets | 1.8123% | 873 |
| Return on Equity (ROE) | 18.7200% | 737 |
| Retained earnings to average equity (ytd only) | 4.4481% | 2,814 |
| Net charge-offs to loans | 0.0172% | 2,022 |
| Credit loss provision to net charge-offs | 1,000.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 155.4667% | 695 |
| Efficiency ratio | 64.0114% | 2,601 |
| Assets per employee ($millions) | 3.8868% | 4,196 |
| Cash dividends to net income (ytd only)* | 76.2440% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 2,173 |
| Loan loss allowance to noncurrent loans | 118.5801% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.7482% | 690 |
| Noncurrent loans to loans | 1.0295% | 719 |
| Net loans and leases to total assets | 71.7900% | 1,606 |
| Net loans and leases to deposits | 83.7211% | 1,803 |
| Net loans and leases to core deposits | 86.3307% | 2,287 |
| Total domestic deposits to total assets | 85.7500% | 2,088 |
| Equity capital to assets | 9.6871% | 2,209 |
| Core capital (leverage) ratio | 9.2184% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3020% | 2,130 |
| Memoranda: | ||
| Average total assets | $240,632,000 | 2,731 |
| Average earning assets | $227,604,200 | 2,700 |
| Average equity | $23,290,800 | 2,606 |
| Average total loans | $173,991,800 | 2,499 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6525% | 847 |
| Cost of funding earning assets | 0.7199% | 3,721 |
| Net interest margin | 4.9325% | 339 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 3.5125% | 547 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.8297% | 628 |
| Return on assets (ROA) | 1.8269% | 623 |
| Pretax return on assets | 1.8269% | 969 |
| Return on Equity (ROE) | 18.8800% | 835 |
| Retained earnings to average equity (ytd only) | 12.2920% | 927 |
| Net charge-offs to loans | 0.0230% | 1,631 |
| Credit loss provision to net charge-offs | 750.0000% | 490 |
| Earnings coverage of net charge-offs (x) | 117.5333% | 851 |
| Efficiency ratio | 64.2502% | 2,469 |
| Assets per employee ($millions) | 3.8497% | 4,219 |
| Cash dividends to net income (ytd only)* | 34.8908% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 2,621 |
| Loan loss allowance to noncurrent loans | 119.7330% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.7104% | 795 |
| Noncurrent loans to loans | 0.9602% | 859 |
| Net loans and leases to total assets | 73.1400% | 1,457 |
| Net loans and leases to deposits | 86.0661% | 1,565 |
| Net loans and leases to core deposits | 89.2454% | 1,981 |
| Total domestic deposits to total assets | 84.9800% | 2,503 |
| Equity capital to assets | 9.9976% | 1,834 |
| Core capital (leverage) ratio | 9.8192% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6468% | 2,029 |
| Memoranda: | ||
| Average total assets | $240,544,750 | 2,740 |
| Average earning assets | $227,788,750 | 2,703 |
| Average equity | $23,277,500 | 2,604 |
| Average total loans | $173,707,000 | 2,498 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4507% | 898 |
| Cost of funding earning assets | 0.4961% | 3,987 |
| Net interest margin | 4.9547% | 330 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 3.4125% | 593 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 2.0535% | 431 |
| Return on assets (ROA) | 2.0510% | 426 |
| Pretax return on assets | 2.0510% | 689 |
| Return on Equity (ROE) | 21.4300% | 587 |
| Retained earnings to average equity (ytd only) | 12.2853% | 934 |
| Net charge-offs to loans | -0.0116% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.0349% | 2,840 |
| Assets per employee ($millions) | 3.8873% | 4,231 |
| Cash dividends to net income (ytd only)* | 42.6829% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 2,723 |
| Loan loss allowance to noncurrent loans | 124.2647% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 791 |
| Noncurrent loans to loans | 0.9226% | 834 |
| Net loans and leases to total assets | 71.4000% | 1,594 |
| Net loans and leases to deposits | 89.0245% | 1,258 |
| Net loans and leases to core deposits | 92.3097% | 1,663 |
| Total domestic deposits to total assets | 80.2000% | 3,543 |
| Equity capital to assets | 9.6428% | 2,069 |
| Core capital (leverage) ratio | 9.6030% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6381% | 2,043 |
| Memoranda: | ||
| Average total assets | $239,883,333 | 2,752 |
| Average earning assets | $227,382,333 | 2,716 |
| Average equity | $22,954,333 | 2,628 |
| Average total loans | $171,796,000 | 2,510 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4889% | 633 |
| Cost of funding earning assets | 0.3073% | 4,178 |
| Net interest margin | 5.1816% | 227 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 3.2253% | 771 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 2.2681% | 338 |
| Return on assets (ROA) | 2.2631% | 339 |
| Pretax return on assets | 2.2631% | 520 |
| Return on Equity (ROE) | 23.7400% | 463 |
| Retained earnings to average equity (ytd only) | 14.0205% | 933 |
| Net charge-offs to loans | -0.0118% | 3,913 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.3913% | 3,257 |
| Assets per employee ($millions) | 4.1382% | 4,195 |
| Cash dividends to net income (ytd only)* | 40.9531% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 2,867 |
| Loan loss allowance to noncurrent loans | 108.2870% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 546 |
| Noncurrent loans to loans | 1.0501% | 692 |
| Net loans and leases to total assets | 71.7600% | 1,451 |
| Net loans and leases to deposits | 82.2968% | 1,626 |
| Net loans and leases to core deposits | 85.7299% | 1,881 |
| Total domestic deposits to total assets | 87.2000% | 2,187 |
| Equity capital to assets | 9.7694% | 1,951 |
| Core capital (leverage) ratio | 9.5265% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6443% | 2,118 |
| Memoranda: | ||
| Average total assets | $237,376,000 | 2,810 |
| Average earning assets | $225,182,500 | 2,771 |
| Average equity | $22,624,000 | 2,675 |
| Average total loans | $169,253,000 | 2,552 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 584 |
| Cost of funding earning assets | 0.1505% | 4,119 |
| Net interest margin | 4.4795% | 304 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 3.2683% | 658 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.4611% | 979 |
| Return on assets (ROA) | 1.4549% | 949 |
| Pretax return on assets | 1.4549% | 1,598 |
| Return on Equity (ROE) | 16.2700% | 999 |
| Retained earnings to average equity (ytd only) | 8.3556% | 1,696 |
| Net charge-offs to loans | -0.0126% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.9539% | 2,095 |
| Assets per employee ($millions) | 3.7916% | 4,352 |
| Cash dividends to net income (ytd only)* | 48.6548% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 2,811 |
| Loan loss allowance to noncurrent loans | 97.6477% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.8888% | 505 |
| Noncurrent loans to loans | 1.1436% | 623 |
| Net loans and leases to total assets | 69.2500% | 1,707 |
| Net loans and leases to deposits | 76.5216% | 2,061 |
| Net loans and leases to core deposits | 78.7242% | 2,224 |
| Total domestic deposits to total assets | 90.4900% | 1,155 |
| Equity capital to assets | 9.2953% | 2,160 |
| Core capital (leverage) ratio | 8.9810% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5765% | 2,140 |
| Memoranda: | ||
| Average total assets | $240,155,600 | 2,781 |
| Average earning assets | $226,587,000 | 2,760 |
| Average equity | $21,470,600 | 2,817 |
| Average total loans | $150,448,200 | 2,631 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4153% | 567 |
| Cost of funding earning assets | 0.1434% | 3,908 |
| Net interest margin | 4.2719% | 354 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 3.1908% | 699 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.4859% | 880 |
| Return on assets (ROA) | 1.4781% | 878 |
| Pretax return on assets | 1.4781% | 1,476 |
| Return on Equity (ROE) | 16.7000% | 856 |
| Retained earnings to average equity (ytd only) | 12.6270% | 672 |
| Net charge-offs to loans | -0.0456% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.4282% | 2,098 |
| Assets per employee ($millions) | 4.0898% | 4,278 |
| Cash dividends to net income (ytd only)* | 24.3811% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 3,518 |
| Loan loss allowance to noncurrent loans | 103.4832% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 683 |
| Noncurrent loans to loans | 0.9598% | 814 |
| Net loans and leases to total assets | 67.5000% | 1,730 |
| Net loans and leases to deposits | 74.6556% | 1,986 |
| Net loans and leases to core deposits | 76.4575% | 2,166 |
| Total domestic deposits to total assets | 90.4200% | 1,463 |
| Equity capital to assets | 9.2963% | 2,020 |
| Core capital (leverage) ratio | 8.8950% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7033% | 2,172 |
| Memoranda: | ||
| Average total assets | $240,476,250 | 2,803 |
| Average earning assets | $226,871,250 | 2,776 |
| Average equity | $21,287,250 | 2,867 |
| Average total loans | $146,240,000 | 2,670 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9631% | 1,000 |
| Cost of funding earning assets | 0.1477% | 3,606 |
| Net interest margin | 3.8153% | 727 |
| Noninterest income to average assets | 0.6619% | 1,491 |
| Noninterest expense to average assets | 3.0866% | 745 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1665% | 1,554 |
| Return on assets (ROA) | 1.1607% | 1,546 |
| Pretax return on assets | 1.1607% | 2,205 |
| Return on Equity (ROE) | 13.3361% | 1,283 |
| Retained earnings to average equity (ytd only) | 7.1177% | 1,949 |
| Net charge-offs to loans | -0.0813% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5724% | 1,683 |
| Assets per employee ($millions) | 3.9637% | 4,384 |
| Cash dividends to net income (ytd only)* | 46.6284% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 3,428 |
| Loan loss allowance to noncurrent loans | 98.4665% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 604 |
| Noncurrent loans to loans | 1.0544% | 787 |
| Net loans and leases to total assets | 59.7728% | 2,350 |
| Net loans and leases to deposits | 65.6367% | 2,577 |
| Net loans and leases to core deposits | 67.7292% | 2,676 |
| Total domestic deposits to total assets | 91.0661% | 1,197 |
| Equity capital to assets | 8.6714% | 2,636 |
| Core capital (leverage) ratio | 8.2946% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3568% | 2,355 |
| Memoranda: | ||
| Average total assets | $240,201,333 | 2,823 |
| Average earning assets | $226,088,000 | 2,818 |
| Average equity | $20,905,667 | 2,980 |
| Average total loans | $140,149,000 | 2,751 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 918 |
| Cost of funding earning assets | 0.1503% | 3,503 |
| Net interest margin | 3.7554% | 684 |
| Noninterest income to average assets | 0.5661% | 1,840 |
| Noninterest expense to average assets | 3.2397% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8626% | 2,439 |
| Return on assets (ROA) | 0.8440% | 2,496 |
| Pretax return on assets | 0.8440% | 2,963 |
| Return on Equity (ROE) | 9.6795% | 2,088 |
| Retained earnings to average equity (ytd only) | 6.7815% | 1,966 |
| Net charge-offs to loans | -0.0765% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9733% | 1,229 |
| Assets per employee ($millions) | 4.1255% | 4,345 |
| Cash dividends to net income (ytd only)* | 29.9401% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 3,384 |
| Loan loss allowance to noncurrent loans | 213.8810% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5123% | 1,171 |
| Noncurrent loans to loans | 0.5082% | 1,755 |
| Net loans and leases to total assets | 56.4542% | 2,490 |
| Net loans and leases to deposits | 61.8593% | 2,726 |
| Net loans and leases to core deposits | 63.8447% | 2,807 |
| Total domestic deposits to total assets | 91.2623% | 905 |
| Equity capital to assets | 8.5166% | 3,145 |
| Core capital (leverage) ratio | 8.3511% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5278% | 2,403 |
| Memoranda: | ||
| Average total assets | $237,427,500 | 2,862 |
| Average earning assets | $223,568,500 | 2,844 |
| Average equity | $20,703,500 | 3,080 |
| Average total loans | $136,007,500 | 2,784 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 712 |
| Cost of funding earning assets | 0.1750% | 3,713 |
| Net interest margin | 4.2277% | 468 |
| Noninterest income to average assets | 1.0040% | 998 |
| Noninterest expense to average assets | 3.4566% | 512 |
| Loan and lease loss provision to assets | -0.3353% | 4,787 |
| Net operating income to assets | 1.8169% | 491 |
| Return on assets (ROA) | 1.8169% | 511 |
| Pretax return on assets | 1.8169% | 880 |
| Return on Equity (ROE) | 19.1048% | 373 |
| Retained earnings to average equity (ytd only) | 11.5495% | 607 |
| Net charge-offs to loans | -0.0016% | 3,333 |
| Credit loss provision to net charge-offs | 35,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9971% | 1,732 |
| Assets per employee ($millions) | 3.7942% | 4,498 |
| Cash dividends to net income (ytd only)* | 39.5465% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 3,298 |
| Loan loss allowance to noncurrent loans | 268.6594% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 1,372 |
| Noncurrent loans to loans | 0.4148% | 2,112 |
| Net loans and leases to total assets | 56.8631% | 2,494 |
| Net loans and leases to deposits | 63.1873% | 2,764 |
| Net loans and leases to core deposits | 65.4312% | 2,869 |
| Total domestic deposits to total assets | 89.9913% | 963 |
| Equity capital to assets | 8.9337% | 3,696 |
| Core capital (leverage) ratio | 8.4568% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0460% | 2,226 |
| Memoranda: | ||
| Average total assets | $208,760,800 | 2,996 |
| Average earning assets | $194,266,400 | 3,002 |
| Average equity | $19,853,600 | 3,230 |
| Average total loans | $126,663,200 | 2,893 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 655 |
| Cost of funding earning assets | 0.1820% | 3,792 |
| Net interest margin | 4.3321% | 421 |
| Noninterest income to average assets | 0.9756% | 1,113 |
| Noninterest expense to average assets | 3.4552% | 486 |
| Loan and lease loss provision to assets | -0.4594% | 4,875 |
| Net operating income to assets | 1.9964% | 467 |
| Return on assets (ROA) | 1.9964% | 495 |
| Pretax return on assets | 1.9964% | 804 |
| Return on Equity (ROE) | 20.6363% | 382 |
| Retained earnings to average equity (ytd only) | 16.2254% | 280 |
| Net charge-offs to loans | 0.0032% | 2,231 |
| Credit loss provision to net charge-offs | -23,333.3333% | 4,243 |
| Earnings coverage of net charge-offs (x) | 780.3333% | 203 |
| Efficiency ratio | 69.2136% | 1,679 |
| Assets per employee ($millions) | 3.6718% | 4,584 |
| Cash dividends to net income (ytd only)* | 21.3745% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 3,244 |
| Loan loss allowance to noncurrent loans | 237.2392% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 1.1289% | 546 |
| Noncurrent loans to loans | 0.4814% | 2,113 |
| Net loans and leases to total assets | 58.0714% | 2,483 |
| Net loans and leases to deposits | 64.9928% | 2,735 |
| Net loans and leases to core deposits | 66.9046% | 2,868 |
| Total domestic deposits to total assets | 89.3505% | 1,098 |
| Equity capital to assets | 9.4490% | 3,423 |
| Core capital (leverage) ratio | 9.1385% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5438% | 2,147 |
| Memoranda: | ||
| Average total assets | $203,088,750 | 3,076 |
| Average earning assets | $188,294,750 | 3,083 |
| Average equity | $19,647,750 | 3,287 |
| Average total loans | $125,056,000 | 2,944 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7901% | 470 |
| Cost of funding earning assets | 0.1925% | 3,829 |
| Net interest margin | 4.5976% | 309 |
| Noninterest income to average assets | 1.0246% | 1,033 |
| Noninterest expense to average assets | 3.5754% | 420 |
| Loan and lease loss provision to assets | -0.5067% | 4,908 |
| Net operating income to assets | 2.2164% | 329 |
| Return on assets (ROA) | 2.2164% | 349 |
| Pretax return on assets | 2.2164% | 560 |
| Return on Equity (ROE) | 22.7126% | 280 |
| Retained earnings to average equity (ytd only) | 15.9622% | 340 |
| Net charge-offs to loans | 0.0049% | 1,970 |
| Credit loss provision to net charge-offs | -16,666.6667% | 4,083 |
| Earnings coverage of net charge-offs (x) | 562.3333% | 237 |
| Efficiency ratio | 67.6510% | 1,922 |
| Assets per employee ($millions) | 3.4738% | 4,675 |
| Cash dividends to net income (ytd only)* | 29.7211% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 2,266 |
| Loan loss allowance to noncurrent loans | 237.1469% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 1.1857% | 583 |
| Noncurrent loans to loans | 0.5628% | 1,989 |
| Net loans and leases to total assets | 61.5992% | 2,223 |
| Net loans and leases to deposits | 69.3917% | 2,480 |
| Net loans and leases to core deposits | 71.5388% | 2,644 |
| Total domestic deposits to total assets | 88.7703% | 1,404 |
| Equity capital to assets | 9.9150% | 2,928 |
| Core capital (leverage) ratio | 9.2174% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8824% | 2,009 |
| Memoranda: | ||
| Average total assets | $197,348,333 | 3,121 |
| Average earning assets | $182,878,333 | 3,117 |
| Average equity | $19,258,000 | 3,309 |
| Average total loans | $123,603,000 | 2,976 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2755% | 243 |
| Cost of funding earning assets | 0.2071% | 3,852 |
| Net interest margin | 5.0684% | 172 |
| Noninterest income to average assets | 0.8439% | 1,482 |
| Noninterest expense to average assets | 3.4801% | 481 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0750% | 516 |
| Return on assets (ROA) | 2.0750% | 552 |
| Pretax return on assets | 2.0750% | 838 |
| Return on Equity (ROE) | 21.4409% | 434 |
| Retained earnings to average equity (ytd only) | 18.2660% | 355 |
| Net charge-offs to loans | -0.0098% | 3,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6475% | 2,649 |
| Assets per employee ($millions) | 3.4796% | 4,697 |
| Cash dividends to net income (ytd only)* | 14.8075% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 964 |
| Loan loss allowance to noncurrent loans | 90.7769% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 2.1469% | 221 |
| Noncurrent loans to loans | 1.9163% | 580 |
| Net loans and leases to total assets | 62.2272% | 2,267 |
| Net loans and leases to deposits | 69.9900% | 2,504 |
| Net loans and leases to core deposits | 71.6561% | 2,731 |
| Total domestic deposits to total assets | 88.9087% | 1,384 |
| Equity capital to assets | 9.7330% | 2,962 |
| Core capital (leverage) ratio | 9.2967% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4484% | 2,107 |
| Memoranda: | ||
| Average total assets | $195,281,000 | 3,121 |
| Average earning assets | $181,517,500 | 3,119 |
| Average equity | $18,898,500 | 3,342 |
| Average total loans | $122,509,000 | 2,992 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2391% | 311 |
| Cost of funding earning assets | 0.2804% | 4,242 |
| Net interest margin | 4.9587% | 130 |
| Noninterest income to average assets | 0.6489% | 2,034 |
| Noninterest expense to average assets | 4.1160% | 337 |
| Loan and lease loss provision to assets | -0.1898% | 4,980 |
| Net operating income to assets | 1.3001% | 1,251 |
| Return on assets (ROA) | 1.2995% | 1,350 |
| Pretax return on assets | 1.2995% | 1,979 |
| Return on Equity (ROE) | 12.6376% | 1,139 |
| Retained earnings to average equity (ytd only) | 6.2041% | 1,707 |
| Net charge-offs to loans | -0.3973% | 4,938 |
| Credit loss provision to net charge-offs | 70.0637% | 3,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7562% | 979 |
| Assets per employee ($millions) | 3.1512% | 4,775 |
| Cash dividends to net income (ytd only)* | 50.9075% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8273% | 817 |
| Loan loss allowance to noncurrent loans | 150.5866% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 1.7875% | 348 |
| Noncurrent loans to loans | 1.2134% | 1,148 |
| Net loans and leases to total assets | 60.9865% | 2,733 |
| Net loans and leases to deposits | 68.6290% | 3,019 |
| Net loans and leases to core deposits | 70.6489% | 3,215 |
| Total domestic deposits to total assets | 88.8641% | 1,043 |
| Equity capital to assets | 9.6204% | 3,485 |
| Core capital (leverage) ratio | 9.1081% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3572% | 2,098 |
| Memoranda: | ||
| Average total assets | $173,832,000 | 3,161 |
| Average earning assets | $160,465,600 | 3,162 |
| Average equity | $17,875,200 | 3,379 |
| Average total loans | $118,545,200 | 2,998 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4933% | 233 |
| Cost of funding earning assets | 0.2960% | 4,331 |
| Net interest margin | 5.1973% | 104 |
| Noninterest income to average assets | 0.6216% | 2,096 |
| Noninterest expense to average assets | 4.2213% | 314 |
| Loan and lease loss provision to assets | 0.0550% | 3,666 |
| Net operating income to assets | 1.1447% | 1,838 |
| Return on assets (ROA) | 1.1440% | 1,956 |
| Pretax return on assets | 1.1440% | 2,583 |
| Return on Equity (ROE) | 10.9248% | 1,708 |
| Retained earnings to average equity (ytd only) | 6.0342% | 2,093 |
| Net charge-offs to loans | -0.4349% | 4,964 |
| Credit loss provision to net charge-offs | -18.1347% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8666% | 1,051 |
| Assets per employee ($millions) | 2.9875% | 4,844 |
| Cash dividends to net income (ytd only)* | 44.7658% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0511% | 453 |
| Loan loss allowance to noncurrent loans | 102.9703% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 2.4918% | 221 |
| Noncurrent loans to loans | 1.9920% | 609 |
| Net loans and leases to total assets | 65.4053% | 2,591 |
| Net loans and leases to deposits | 74.1687% | 2,939 |
| Net loans and leases to core deposits | 76.3704% | 3,141 |
| Total domestic deposits to total assets | 88.1846% | 1,127 |
| Equity capital to assets | 9.9953% | 3,227 |
| Core capital (leverage) ratio | 9.6565% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3038% | 2,063 |
| Memoranda: | ||
| Average total assets | $169,233,500 | 3,185 |
| Average earning assets | $156,283,250 | 3,186 |
| Average equity | $17,720,750 | 3,394 |
| Average total loans | $118,328,000 | 3,012 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5721% | 293 |
| Cost of funding earning assets | 0.3039% | 4,467 |
| Net interest margin | 5.2682% | 126 |
| Noninterest income to average assets | 0.5688% | 2,260 |
| Noninterest expense to average assets | 4.3044% | 304 |
| Loan and lease loss provision to assets | 0.0728% | 3,390 |
| Net operating income to assets | 1.0697% | 2,072 |
| Return on assets (ROA) | 1.0697% | 2,196 |
| Pretax return on assets | 1.0697% | 2,807 |
| Return on Equity (ROE) | 10.0478% | 1,965 |
| Retained earnings to average equity (ytd only) | 3.2126% | 3,299 |
| Net charge-offs to loans | -0.6314% | 5,009 |
| Credit loss provision to net charge-offs | -16.2162% | 3,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0247% | 962 |
| Assets per employee ($millions) | 2.8359% | 4,894 |
| Cash dividends to net income (ytd only)* | 68.0272% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 433 |
| Loan loss allowance to noncurrent loans | 47.8868% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 3.5006% | 110 |
| Noncurrent loans to loans | 4.1704% | 155 |
| Net loans and leases to total assets | 68.9375% | 2,194 |
| Net loans and leases to deposits | 77.8965% | 2,670 |
| Net loans and leases to core deposits | 80.2838% | 2,926 |
| Total domestic deposits to total assets | 88.4989% | 946 |
| Equity capital to assets | 10.0167% | 3,189 |
| Core capital (leverage) ratio | 9.4472% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2982% | 2,484 |
| Memoranda: | ||
| Average total assets | $164,899,333 | 3,201 |
| Average earning assets | $152,689,000 | 3,197 |
| Average equity | $17,556,000 | 3,409 |
| Average total loans | $117,208,000 | 3,013 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6692% | 262 |
| Cost of funding earning assets | 0.2955% | 4,671 |
| Net interest margin | 5.3737% | 110 |
| Noninterest income to average assets | 0.6498% | 1,830 |
| Noninterest expense to average assets | 4.2826% | 377 |
| Loan and lease loss provision to assets | 0.0753% | 2,792 |
| Net operating income to assets | 1.2645% | 1,344 |
| Return on assets (ROA) | 1.2645% | 1,438 |
| Pretax return on assets | 1.2645% | 1,979 |
| Return on Equity (ROE) | 11.5016% | 1,261 |
| Retained earnings to average equity (ytd only) | 11.5016% | 482 |
| Net charge-offs to loans | -0.4457% | 5,013 |
| Credit loss provision to net charge-offs | -23.6220% | 3,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1714% | 1,548 |
| Assets per employee ($millions) | 2.4827% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9334% | 568 |
| Loan loss allowance to noncurrent loans | 33.9250% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 4.6327% | 78 |
| Noncurrent loans to loans | 5.6991% | 91 |
| Net loans and leases to total assets | 69.0852% | 2,386 |
| Net loans and leases to deposits | 79.0301% | 2,774 |
| Net loans and leases to core deposits | 81.6922% | 3,041 |
| Total domestic deposits to total assets | 87.4163% | 1,371 |
| Equity capital to assets | 11.0233% | 2,836 |
| Core capital (leverage) ratio | 10.4219% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5899% | 2,042 |
| Memoranda: | ||
| Average total assets | $159,436,000 | 3,219 |
| Average earning assets | $147,534,000 | 3,216 |
| Average equity | $17,528,000 | 3,415 |
| Average total loans | $113,972,000 | 3,028 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8892% | 266 |
| Cost of funding earning assets | 0.2518% | 4,846 |
| Net interest margin | 5.6374% | 96 |
| Noninterest income to average assets | 0.8401% | 1,331 |
| Noninterest expense to average assets | 4.7992% | 247 |
| Loan and lease loss provision to assets | 0.1584% | 1,323 |
| Net operating income to assets | 1.0104% | 2,814 |
| Return on assets (ROA) | 1.0104% | 2,901 |
| Pretax return on assets | 1.0104% | 3,438 |
| Return on Equity (ROE) | 8.9115% | 2,792 |
| Retained earnings to average equity (ytd only) | 1.6356% | 4,148 |
| Net charge-offs to loans | 0.0683% | 2,112 |
| Credit loss provision to net charge-offs | 315.7895% | 879 |
| Earnings coverage of net charge-offs (x) | 23.3026% | 1,820 |
| Efficiency ratio | 80.4047% | 911 |
| Assets per employee ($millions) | 2.4609% | 5,007 |
| Cash dividends to net income (ytd only)* | 81.6460% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7845% | 677 |
| Loan loss allowance to noncurrent loans | 45.9441% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 3.1842% | 162 |
| Noncurrent loans to loans | 3.8842% | 188 |
| Net loans and leases to total assets | 71.2526% | 2,214 |
| Net loans and leases to deposits | 80.2845% | 2,746 |
| Net loans and leases to core deposits | 82.0562% | 3,116 |
| Total domestic deposits to total assets | 88.7502% | 766 |
| Equity capital to assets | 10.9635% | 3,039 |
| Core capital (leverage) ratio | 10.3191% | 3,169 |
| Tier 1 risk-based capital ratio | 13.0660% | 3,763 |
| Total risk-based capital ratio | 14.3211% | 3,634 |
| Memoranda: | ||
| Average total assets | $151,523,800 | 3,277 |
| Average earning assets | $137,829,200 | 3,314 |
| Average equity | $17,180,000 | 3,414 |
| Average total loans | $111,281,600 | 3,066 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9616% | 258 |
| Cost of funding earning assets | 0.2443% | 4,932 |
| Net interest margin | 5.7172% | 88 |
| Noninterest income to average assets | 0.8727% | 1,210 |
| Noninterest expense to average assets | 4.5136% | 294 |
| Loan and lease loss provision to assets | 0.1600% | 1,174 |
| Net operating income to assets | 1.3766% | 1,542 |
| Return on assets (ROA) | 1.3766% | 1,616 |
| Pretax return on assets | 1.3766% | 2,396 |
| Return on Equity (ROE) | 12.0367% | 1,606 |
| Retained earnings to average equity (ytd only) | 3.4890% | 3,661 |
| Net charge-offs to loans | 0.0048% | 3,222 |
| Credit loss provision to net charge-offs | 4,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 432.5103% | 230 |
| Efficiency ratio | 74.5887% | 1,480 |
| Assets per employee ($millions) | 2.4166% | 5,097 |
| Cash dividends to net income (ytd only)* | 71.0136% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7907% | 695 |
| Loan loss allowance to noncurrent loans | 54.9866% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 3.8858% | 110 |
| Noncurrent loans to loans | 3.2566% | 270 |
| Net loans and leases to total assets | 73.8841% | 1,840 |
| Net loans and leases to deposits | 83.7649% | 2,483 |
| Net loans and leases to core deposits | 85.8575% | 2,917 |
| Total domestic deposits to total assets | 88.2041% | 948 |
| Equity capital to assets | 11.4694% | 2,679 |
| Core capital (leverage) ratio | 10.7653% | 2,874 |
| Tier 1 risk-based capital ratio | 13.3372% | 3,664 |
| Total risk-based capital ratio | 14.5923% | 3,552 |
| Memoranda: | ||
| Average total assets | $150,030,750 | 3,332 |
| Average earning assets | $135,866,750 | 3,373 |
| Average equity | $17,158,250 | 3,444 |
| Average total loans | $110,537,250 | 3,112 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9621% | 252 |
| Cost of funding earning assets | 0.2260% | 5,019 |
| Net interest margin | 5.7361% | 86 |
| Noninterest income to average assets | 0.8761% | 1,134 |
| Noninterest expense to average assets | 4.5763% | 287 |
| Loan and lease loss provision to assets | 0.1608% | 1,126 |
| Net operating income to assets | 1.3410% | 1,614 |
| Return on assets (ROA) | 1.3410% | 1,678 |
| Pretax return on assets | 1.3410% | 2,411 |
| Return on Equity (ROE) | 11.7371% | 1,682 |
| Retained earnings to average equity (ytd only) | 4.7019% | 2,917 |
| Net charge-offs to loans | 0.0128% | 2,677 |
| Credit loss provision to net charge-offs | 1,714.2857% | 219 |
| Earnings coverage of net charge-offs (x) | 160.1429% | 468 |
| Efficiency ratio | 75.2700% | 1,486 |
| Assets per employee ($millions) | 2.3130% | 5,168 |
| Cash dividends to net income (ytd only)* | 59.9401% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7336% | 769 |
| Loan loss allowance to noncurrent loans | 95.2107% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 2.8967% | 216 |
| Noncurrent loans to loans | 1.8208% | 826 |
| Net loans and leases to total assets | 74.9524% | 1,733 |
| Net loans and leases to deposits | 86.9781% | 2,131 |
| Net loans and leases to core deposits | 89.4158% | 2,645 |
| Total domestic deposits to total assets | 86.1739% | 1,944 |
| Equity capital to assets | 11.5686% | 2,559 |
| Core capital (leverage) ratio | 10.8987% | 2,692 |
| Tier 1 risk-based capital ratio | 13.5450% | 3,556 |
| Total risk-based capital ratio | 14.7998% | 3,453 |
| Memoranda: | ||
| Average total assets | $149,291,670 | 3,361 |
| Average earning assets | $135,387,670 | 3,404 |
| Average equity | $17,057,000 | 3,461 |
| Average total loans | $109,203,670 | 3,151 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6317% | 405 |
| Cost of funding earning assets | 0.2164% | 5,080 |
| Net interest margin | 5.4154% | 149 |
| Noninterest income to average assets | 0.9707% | 875 |
| Noninterest expense to average assets | 4.1677% | 424 |
| Loan and lease loss provision to assets | 0.1613% | 1,044 |
| Net operating income to assets | 1.5541% | 997 |
| Return on assets (ROA) | 1.5541% | 1,025 |
| Pretax return on assets | 1.5541% | 1,601 |
| Return on Equity (ROE) | 13.6894% | 1,035 |
| Retained earnings to average equity (ytd only) | -0.5210% | 4,598 |
| Net charge-offs to loans | 0.0263% | 1,928 |
| Credit loss provision to net charge-offs | 857.1429% | 424 |
| Earnings coverage of net charge-offs (x) | 91.1429% | 712 |
| Efficiency ratio | 70.7952% | 2,222 |
| Assets per employee ($millions) | 2.3547% | 5,219 |
| Cash dividends to net income (ytd only)* | 103.8062% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7908% | 715 |
| Loan loss allowance to noncurrent loans | 62.1935% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 3.6178% | 144 |
| Noncurrent loans to loans | 2.8794% | 397 |
| Net loans and leases to total assets | 71.2736% | 2,290 |
| Net loans and leases to deposits | 81.3688% | 2,684 |
| Net loans and leases to core deposits | 83.5913% | 3,057 |
| Total domestic deposits to total assets | 87.5934% | 1,521 |
| Equity capital to assets | 11.3989% | 2,488 |
| Core capital (leverage) ratio | 10.5527% | 2,994 |
| Tier 1 risk-based capital ratio | 13.9663% | 3,353 |
| Total risk-based capital ratio | 15.2224% | 3,266 |
| Memoranda: | ||
| Average total assets | $148,764,500 | 3,405 |
| Average earning assets | $134,949,500 | 3,442 |
| Average equity | $16,889,000 | 3,486 |
| Average total loans | $106,467,500 | 3,218 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6377% | 306 |
| Cost of funding earning assets | 0.1798% | 5,075 |
| Net interest margin | 5.4579% | 117 |
| Noninterest income to average assets | 1.1818% | 663 |
| Noninterest expense to average assets | 4.3121% | 362 |
| Loan and lease loss provision to assets | 0.1969% | 962 |
| Net operating income to assets | 1.5783% | 930 |
| Return on assets (ROA) | 1.5783% | 919 |
| Pretax return on assets | 1.5783% | 1,531 |
| Return on Equity (ROE) | 14.2072% | 1,001 |
| Retained earnings to average equity (ytd only) | 7.9896% | 1,241 |
| Net charge-offs to loans | 0.0230% | 2,953 |
| Credit loss provision to net charge-offs | 1,187.5000% | 339 |
| Earnings coverage of net charge-offs (x) | 107.0833% | 709 |
| Efficiency ratio | 70.8385% | 2,066 |
| Assets per employee ($millions) | 2.5285% | 5,200 |
| Cash dividends to net income (ytd only)* | 43.7637% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7811% | 706 |
| Loan loss allowance to noncurrent loans | 96.4010% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 3.0259% | 206 |
| Noncurrent loans to loans | 1.8476% | 762 |
| Net loans and leases to total assets | 69.3111% | 2,692 |
| Net loans and leases to deposits | 78.9751% | 3,055 |
| Net loans and leases to core deposits | 80.4843% | 3,392 |
| Total domestic deposits to total assets | 87.7632% | 1,408 |
| Equity capital to assets | 11.3071% | 2,411 |
| Core capital (leverage) ratio | 10.7406% | 2,801 |
| Tier 1 risk-based capital ratio | 14.0660% | 3,262 |
| Total risk-based capital ratio | 15.3212% | 3,192 |
| Memoranda: | ||
| Average total assets | $144,777,200 | 3,448 |
| Average earning assets | $130,123,000 | 3,491 |
| Average equity | $16,083,400 | 3,503 |
| Average total loans | $104,409,000 | 3,224 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5948% | 301 |
| Cost of funding earning assets | 0.1643% | 5,174 |
| Net interest margin | 5.4305% | 120 |
| Noninterest income to average assets | 0.9874% | 981 |
| Noninterest expense to average assets | 4.2548% | 370 |
| Loan and lease loss provision to assets | 0.2366% | 679 |
| Net operating income to assets | 1.3734% | 1,583 |
| Return on assets (ROA) | 1.3725% | 1,585 |
| Pretax return on assets | 1.3725% | 2,333 |
| Return on Equity (ROE) | 12.4122% | 1,630 |
| Retained earnings to average equity (ytd only) | 8.2160% | 1,550 |
| Net charge-offs to loans | 0.0281% | 2,537 |
| Credit loss provision to net charge-offs | 1,159.0909% | 356 |
| Earnings coverage of net charge-offs (x) | 78.8708% | 886 |
| Efficiency ratio | 72.5475% | 1,802 |
| Assets per employee ($millions) | 2.4407% | 5,301 |
| Cash dividends to net income (ytd only)* | 33.8066% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7205% | 835 |
| Loan loss allowance to noncurrent loans | 86.4296% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 3.6792% | 149 |
| Noncurrent loans to loans | 1.9906% | 739 |
| Net loans and leases to total assets | 73.2686% | 2,119 |
| Net loans and leases to deposits | 85.1555% | 2,454 |
| Net loans and leases to core deposits | 86.8755% | 2,931 |
| Total domestic deposits to total assets | 86.0409% | 2,169 |
| Equity capital to assets | 11.4647% | 2,289 |
| Core capital (leverage) ratio | 10.6539% | 2,931 |
| Tier 1 risk-based capital ratio | 13.5657% | 3,595 |
| Total risk-based capital ratio | 14.8202% | 3,496 |
| Memoranda: | ||
| Average total assets | $143,676,250 | 3,494 |
| Average earning assets | $129,044,500 | 3,542 |
| Average equity | $15,887,250 | 3,549 |
| Average total loans | $104,192,750 | 3,253 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4876% | 321 |
| Cost of funding earning assets | 0.1474% | 5,256 |
| Net interest margin | 5.3401% | 136 |
| Noninterest income to average assets | 0.8776% | 1,247 |
| Noninterest expense to average assets | 4.2642% | 378 |
| Loan and lease loss provision to assets | 0.2438% | 638 |
| Net operating income to assets | 1.1632% | 2,334 |
| Return on assets (ROA) | 1.1632% | 2,339 |
| Pretax return on assets | 1.1632% | 3,085 |
| Return on Equity (ROE) | 10.6505% | 2,258 |
| Retained earnings to average equity (ytd only) | 4.2730% | 3,472 |
| Net charge-offs to loans | 0.0427% | 2,013 |
| Credit loss provision to net charge-offs | 795.4545% | 504 |
| Earnings coverage of net charge-offs (x) | 45.9091% | 1,195 |
| Efficiency ratio | 75.1904% | 1,532 |
| Assets per employee ($millions) | 2.4966% | 5,332 |
| Cash dividends to net income (ytd only)* | 59.8802% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 961 |
| Loan loss allowance to noncurrent loans | 82.6554% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 3.7887% | 153 |
| Noncurrent loans to loans | 2.0182% | 738 |
| Net loans and leases to total assets | 71.9738% | 2,280 |
| Net loans and leases to deposits | 83.1363% | 2,633 |
| Net loans and leases to core deposits | 84.9788% | 3,011 |
| Total domestic deposits to total assets | 86.5732% | 2,025 |
| Equity capital to assets | 10.9820% | 2,653 |
| Core capital (leverage) ratio | 10.4165% | 3,121 |
| Tier 1 risk-based capital ratio | 13.4244% | 3,659 |
| Total risk-based capital ratio | 14.6783% | 3,578 |
| Memoranda: | ||
| Average total assets | $143,568,670 | 3,517 |
| Average earning assets | $128,873,000 | 3,565 |
| Average equity | $15,680,000 | 3,590 |
| Average total loans | $103,139,330 | 3,281 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4805% | 286 |
| Cost of funding earning assets | 0.1377% | 5,324 |
| Net interest margin | 5.3428% | 129 |
| Noninterest income to average assets | 0.8674% | 1,236 |
| Noninterest expense to average assets | 4.5190% | 288 |
| Loan and lease loss provision to assets | 0.0839% | 2,123 |
| Net operating income to assets | 1.0409% | 2,687 |
| Return on assets (ROA) | 1.0409% | 2,705 |
| Pretax return on assets | 1.0409% | 3,392 |
| Return on Equity (ROE) | 9.5575% | 2,654 |
| Retained earnings to average equity (ytd only) | -3.2886% | 5,101 |
| Net charge-offs to loans | 0.0865% | 1,290 |
| Credit loss provision to net charge-offs | 136.3636% | 1,290 |
| Earnings coverage of net charge-offs (x) | 18.2727% | 1,540 |
| Efficiency ratio | 80.0694% | 1,131 |
| Assets per employee ($millions) | 2.3610% | 5,427 |
| Cash dividends to net income (ytd only)* | 134.4086% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 1,129 |
| Loan loss allowance to noncurrent loans | 83.4877% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 3.9275% | 163 |
| Noncurrent loans to loans | 1.9311% | 842 |
| Net loans and leases to total assets | 71.1019% | 2,314 |
| Net loans and leases to deposits | 80.9800% | 2,703 |
| Net loans and leases to core deposits | 82.8129% | 3,079 |
| Total domestic deposits to total assets | 87.8019% | 1,734 |
| Equity capital to assets | 11.1041% | 2,485 |
| Core capital (leverage) ratio | 10.0917% | 3,433 |
| Tier 1 risk-based capital ratio | 13.5705% | 3,618 |
| Total risk-based capital ratio | 14.8238% | 3,523 |
| Memoranda: | ||
| Average total assets | $142,953,000 | 3,559 |
| Average earning assets | $127,798,000 | 3,621 |
| Average equity | $15,569,000 | 3,640 |
| Average total loans | $101,716,000 | 3,331 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1217% | 510 |
| Cost of funding earning assets | 0.1317% | 5,358 |
| Net interest margin | 4.9900% | 242 |
| Noninterest income to average assets | 0.8210% | 1,496 |
| Noninterest expense to average assets | 4.2396% | 399 |
| Loan and lease loss provision to assets | 0.3825% | 391 |
| Net operating income to assets | 0.7105% | 3,554 |
| Return on assets (ROA) | 0.7105% | 3,609 |
| Pretax return on assets | 0.7069% | 4,490 |
| Return on Equity (ROE) | 6.4917% | 3,538 |
| Retained earnings to average equity (ytd only) | 1.3139% | 4,493 |
| Net charge-offs to loans | 0.4104% | 608 |
| Credit loss provision to net charge-offs | 135.3383% | 1,954 |
| Earnings coverage of net charge-offs (x) | 3.8546% | 3,542 |
| Efficiency ratio | 79.5560% | 1,152 |
| Assets per employee ($millions) | 2.7149% | 5,374 |
| Cash dividends to net income (ytd only)* | 79.7607% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 1,208 |
| Loan loss allowance to noncurrent loans | 71.4602% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 3.9473% | 152 |
| Noncurrent loans to loans | 2.1992% | 658 |
| Net loans and leases to total assets | 68.9938% | 2,688 |
| Net loans and leases to deposits | 78.1550% | 3,098 |
| Net loans and leases to core deposits | 79.8246% | 3,436 |
| Total domestic deposits to total assets | 88.2781% | 1,355 |
| Equity capital to assets | 10.6885% | 2,952 |
| Core capital (leverage) ratio | 10.0992% | 3,323 |
| Tier 1 risk-based capital ratio | 13.5403% | 3,607 |
| Total risk-based capital ratio | 14.7936% | 3,515 |
| Memoranda: | ||
| Average total assets | $141,170,600 | 3,598 |
| Average earning assets | $127,536,000 | 3,618 |
| Average equity | $15,450,600 | 3,662 |
| Average total loans | $97,222,800 | 3,392 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0802% | 521 |
| Cost of funding earning assets | 0.1502% | 5,308 |
| Net interest margin | 4.9301% | 261 |
| Noninterest income to average assets | 0.8259% | 1,493 |
| Noninterest expense to average assets | 4.3295% | 360 |
| Loan and lease loss provision to assets | 0.3719% | 393 |
| Net operating income to assets | 0.6008% | 4,394 |
| Return on assets (ROA) | 0.6008% | 4,433 |
| Pretax return on assets | 0.6008% | 4,842 |
| Return on Equity (ROE) | 5.4559% | 4,342 |
| Retained earnings to average equity (ytd only) | -1.4722% | 5,388 |
| Net charge-offs to loans | 0.4688% | 444 |
| Credit loss provision to net charge-offs | 115.7270% | 2,067 |
| Earnings coverage of net charge-offs (x) | 3.0267% | 3,389 |
| Efficiency ratio | 81.6547% | 946 |
| Assets per employee ($millions) | 2.5714% | 5,494 |
| Cash dividends to net income (ytd only)* | 126.9840% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 1,273 |
| Loan loss allowance to noncurrent loans | 63.9715% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 4.2591% | 151 |
| Noncurrent loans to loans | 2.4773% | 625 |
| Net loans and leases to total assets | 68.2904% | 2,799 |
| Net loans and leases to deposits | 77.8366% | 3,185 |
| Net loans and leases to core deposits | 79.8387% | 3,465 |
| Total domestic deposits to total assets | 87.7356% | 1,503 |
| Equity capital to assets | 11.0740% | 2,790 |
| Core capital (leverage) ratio | 10.1626% | 3,360 |
| Tier 1 risk-based capital ratio | 13.9284% | 3,477 |
| Total risk-based capital ratio | 15.1820% | 3,403 |
| Memoranda: | ||
| Average total assets | $139,811,750 | 3,650 |
| Average earning assets | $126,946,000 | 3,665 |
| Average equity | $15,395,750 | 3,704 |
| Average total loans | $95,837,500 | 3,443 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0674% | 507 |
| Cost of funding earning assets | 0.1537% | 5,319 |
| Net interest margin | 4.9137% | 257 |
| Noninterest income to average assets | 0.7836% | 1,627 |
| Noninterest expense to average assets | 4.4145% | 340 |
| Loan and lease loss provision to assets | 0.5566% | 201 |
| Net operating income to assets | 0.2840% | 5,256 |
| Return on assets (ROA) | 0.2840% | 5,272 |
| Pretax return on assets | 0.2840% | 5,357 |
| Return on Equity (ROE) | 2.5841% | 5,223 |
| Retained earnings to average equity (ytd only) | -3.9086% | 5,484 |
| Net charge-offs to loans | 0.6920% | 278 |
| Credit loss provision to net charge-offs | 117.8248% | 1,804 |
| Earnings coverage of net charge-offs (x) | 1.7795% | 3,246 |
| Efficiency ratio | 84.0033% | 844 |
| Assets per employee ($millions) | 2.4780% | 5,564 |
| Cash dividends to net income (ytd only)* | 251.2563% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 1,174 |
| Loan loss allowance to noncurrent loans | 68.4540% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 4.2710% | 152 |
| Noncurrent loans to loans | 2.4004% | 651 |
| Net loans and leases to total assets | 67.2832% | 2,906 |
| Net loans and leases to deposits | 76.7629% | 3,248 |
| Net loans and leases to core deposits | 78.9893% | 3,507 |
| Total domestic deposits to total assets | 87.6507% | 1,641 |
| Equity capital to assets | 11.2010% | 2,589 |
| Core capital (leverage) ratio | 10.0653% | 3,449 |
| Tier 1 risk-based capital ratio | 14.1968% | 3,311 |
| Total risk-based capital ratio | 15.4506% | 3,228 |
| Memoranda: | ||
| Average total assets | $140,130,000 | 3,662 |
| Average earning assets | $127,520,670 | 3,676 |
| Average equity | $15,402,000 | 3,710 |
| Average total loans | $95,665,670 | 3,459 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7938% | 758 |
| Cost of funding earning assets | 0.1539% | 5,347 |
| Net interest margin | 4.6398% | 417 |
| Noninterest income to average assets | 0.7969% | 1,562 |
| Noninterest expense to average assets | 4.0183% | 529 |
| Loan and lease loss provision to assets | 0.1267% | 1,523 |
| Net operating income to assets | 0.8955% | 2,784 |
| Return on assets (ROA) | 0.9011% | 2,812 |
| Pretax return on assets | 0.9011% | 3,768 |
| Return on Equity (ROE) | 8.2741% | 2,779 |
| Retained earnings to average equity (ytd only) | -11.1183% | 5,603 |
| Net charge-offs to loans | 0.0041% | 2,832 |
| Credit loss provision to net charge-offs | 4,500.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 363.0000% | 163 |
| Efficiency ratio | 79.7207% | 1,414 |
| Assets per employee ($millions) | 2.5103% | 5,618 |
| Cash dividends to net income (ytd only)* | 234.3750% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 1,456 |
| Loan loss allowance to noncurrent loans | 28.1343% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 5.1402% | 106 |
| Noncurrent loans to loans | 5.5769% | 131 |
| Net loans and leases to total assets | 67.6976% | 2,725 |
| Net loans and leases to deposits | 76.9283% | 3,089 |
| Net loans and leases to core deposits | 79.2274% | 3,362 |
| Total domestic deposits to total assets | 88.0010% | 1,713 |
| Equity capital to assets | 10.9405% | 2,698 |
| Core capital (leverage) ratio | 10.0056% | 3,488 |
| Tier 1 risk-based capital ratio | 13.8683% | 3,565 |
| Total risk-based capital ratio | 15.1215% | 3,475 |
| Memoranda: | ||
| Average total assets | $142,049,500 | 3,662 |
| Average earning assets | $129,919,000 | 3,677 |
| Average equity | $15,470,000 | 3,729 |
| Average total loans | $96,882,000 | 3,469 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0834% | 517 |
| Cost of funding earning assets | 0.1855% | 5,155 |
| Net interest margin | 4.8980% | 291 |
| Noninterest income to average assets | 1.9227% | 359 |
| Noninterest expense to average assets | 4.9301% | 267 |
| Loan and lease loss provision to assets | 0.3103% | 605 |
| Net operating income to assets | 1.1230% | 1,810 |
| Return on assets (ROA) | 1.1490% | 1,789 |
| Pretax return on assets | 1.1490% | 2,899 |
| Return on Equity (ROE) | 10.2853% | 1,851 |
| Retained earnings to average equity (ytd only) | 2.8556% | 3,865 |
| Net charge-offs to loans | 0.4215% | 619 |
| Credit loss provision to net charge-offs | 104.3689% | 2,483 |
| Earnings coverage of net charge-offs (x) | 4.8204% | 3,441 |
| Efficiency ratio | 77.4073% | 1,789 |
| Assets per employee ($millions) | 2.4326% | 5,692 |
| Cash dividends to net income (ytd only)* | 72.2362% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5184% | 1,605 |
| Loan loss allowance to noncurrent loans | 35.4839% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 4.8272% | 131 |
| Noncurrent loans to loans | 4.2790% | 227 |
| Net loans and leases to total assets | 66.6139% | 2,990 |
| Net loans and leases to deposits | 75.5842% | 3,364 |
| Net loans and leases to core deposits | 77.7928% | 3,585 |
| Total domestic deposits to total assets | 88.1321% | 1,573 |
| Equity capital to assets | 10.8416% | 2,771 |
| Core capital (leverage) ratio | 10.0602% | 3,416 |
| Tier 1 risk-based capital ratio | 13.6959% | 3,653 |
| Total risk-based capital ratio | 14.9476% | 3,559 |
| Memoranda: | ||
| Average total assets | $138,557,800 | 3,696 |
| Average earning assets | $125,623,600 | 3,727 |
| Average equity | $15,478,400 | 3,757 |
| Average total loans | $97,744,000 | 3,428 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1884% | 433 |
| Cost of funding earning assets | 0.1908% | 5,168 |
| Net interest margin | 4.9977% | 251 |
| Noninterest income to average assets | 2.0866% | 334 |
| Noninterest expense to average assets | 5.0820% | 253 |
| Loan and lease loss provision to assets | 0.1039% | 2,186 |
| Net operating income to assets | 1.4283% | 1,007 |
| Return on assets (ROA) | 1.4594% | 1,005 |
| Pretax return on assets | 1.4594% | 1,855 |
| Return on Equity (ROE) | 12.9638% | 1,069 |
| Retained earnings to average equity (ytd only) | 3.0447% | 4,087 |
| Net charge-offs to loans | 0.0041% | 3,779 |
| Credit loss provision to net charge-offs | 3,566.6667% | 144 |
| Earnings coverage of net charge-offs (x) | 525.9875% | 172 |
| Efficiency ratio | 76.7616% | 1,866 |
| Assets per employee ($millions) | 2.3152% | 5,801 |
| Cash dividends to net income (ytd only)* | 76.5139% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 1,609 |
| Loan loss allowance to noncurrent loans | 33.0229% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 5.3401% | 126 |
| Noncurrent loans to loans | 4.6926% | 195 |
| Net loans and leases to total assets | 71.3478% | 2,290 |
| Net loans and leases to deposits | 84.1163% | 2,467 |
| Net loans and leases to core deposits | 86.7575% | 2,879 |
| Total domestic deposits to total assets | 84.8205% | 2,885 |
| Equity capital to assets | 11.1985% | 2,800 |
| Core capital (leverage) ratio | 10.1138% | 3,427 |
| Tier 1 risk-based capital ratio | 13.3889% | 3,926 |
| Total risk-based capital ratio | 14.6417% | 3,836 |
| Memoranda: | ||
| Average total assets | $137,317,000 | 3,737 |
| Average earning assets | $124,401,750 | 3,770 |
| Average equity | $15,458,000 | 3,787 |
| Average total loans | $97,910,250 | 3,431 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2568% | 388 |
| Cost of funding earning assets | 0.1973% | 5,176 |
| Net interest margin | 5.0595% | 231 |
| Noninterest income to average assets | 2.1128% | 323 |
| Noninterest expense to average assets | 5.0415% | 259 |
| Loan and lease loss provision to assets | 0.0073% | 3,924 |
| Net operating income to assets | 1.6391% | 658 |
| Return on assets (ROA) | 1.6230% | 731 |
| Pretax return on assets | 1.6230% | 1,301 |
| Return on Equity (ROE) | 14.3919% | 769 |
| Retained earnings to average equity (ytd only) | 7.9091% | 1,198 |
| Net charge-offs to loans | -0.0082% | 4,644 |
| Credit loss provision to net charge-offs | -125.0000% | 4,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3170% | 2,178 |
| Assets per employee ($millions) | 2.0457% | 5,929 |
| Cash dividends to net income (ytd only)* | 45.0450% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 2,103 |
| Loan loss allowance to noncurrent loans | 56.1686% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 4.0777% | 212 |
| Noncurrent loans to loans | 2.5640% | 665 |
| Net loans and leases to total assets | 73.2004% | 1,980 |
| Net loans and leases to deposits | 86.7411% | 2,165 |
| Net loans and leases to core deposits | 88.9182% | 2,647 |
| Total domestic deposits to total assets | 84.3895% | 3,122 |
| Equity capital to assets | 11.5926% | 2,450 |
| Core capital (leverage) ratio | 10.4815% | 2,995 |
| Tier 1 risk-based capital ratio | 14.0102% | 3,598 |
| Total risk-based capital ratio | 15.2620% | 3,513 |
| Memoranda: | ||
| Average total assets | $136,785,670 | 3,775 |
| Average earning assets | $123,688,000 | 3,810 |
| Average equity | $15,425,330 | 3,810 |
| Average total loans | $96,990,330 | 3,464 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1563% | 447 |
| Cost of funding earning assets | 0.1945% | 5,252 |
| Net interest margin | 4.9618% | 272 |
| Noninterest income to average assets | 1.9525% | 350 |
| Noninterest expense to average assets | 4.7714% | 320 |
| Loan and lease loss provision to assets | 0.0146% | 3,500 |
| Net operating income to assets | 1.6480% | 639 |
| Return on assets (ROA) | 1.6597% | 664 |
| Pretax return on assets | 1.6597% | 1,158 |
| Return on Equity (ROE) | 14.9274% | 678 |
| Retained earnings to average equity (ytd only) | 1.7639% | 4,561 |
| Net charge-offs to loans | -0.1649% | 5,795 |
| Credit loss provision to net charge-offs | -12.8205% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0673% | 2,465 |
| Assets per employee ($millions) | 2.0920% | 5,975 |
| Cash dividends to net income (ytd only)* | 88.1834% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 1,763 |
| Loan loss allowance to noncurrent loans | 32.7368% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 5.5464% | 140 |
| Noncurrent loans to loans | 4.7565% | 219 |
| Net loans and leases to total assets | 69.7389% | 2,385 |
| Net loans and leases to deposits | 80.5790% | 2,716 |
| Net loans and leases to core deposits | 83.0510% | 3,038 |
| Total domestic deposits to total assets | 86.5473% | 2,423 |
| Equity capital to assets | 11.2193% | 2,711 |
| Core capital (leverage) ratio | 10.1657% | 3,350 |
| Tier 1 risk-based capital ratio | 13.5585% | 3,946 |
| Total risk-based capital ratio | 14.8109% | 3,874 |
| Memoranda: | ||
| Average total assets | $136,647,500 | 3,797 |
| Average earning assets | $123,422,500 | 3,837 |
| Average equity | $15,193,500 | 3,849 |
| Average total loans | $94,587,500 | 3,521 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1237% | 497 |
| Cost of funding earning assets | 0.2316% | 4,994 |
| Net interest margin | 4.8921% | 304 |
| Noninterest income to average assets | 1.7742% | 424 |
| Noninterest expense to average assets | 5.0444% | 272 |
| Loan and lease loss provision to assets | -0.3017% | 6,062 |
| Net operating income to assets | 1.3812% | 1,073 |
| Return on assets (ROA) | 1.4182% | 1,046 |
| Pretax return on assets | 1.4182% | 1,827 |
| Return on Equity (ROE) | 12.5956% | 1,155 |
| Retained earnings to average equity (ytd only) | 4.2209% | 2,982 |
| Net charge-offs to loans | 0.0294% | 3,630 |
| Credit loss provision to net charge-offs | -1,538.4615% | 5,612 |
| Earnings coverage of net charge-offs (x) | 55.0385% | 936 |
| Efficiency ratio | 82.2247% | 1,376 |
| Assets per employee ($millions) | 2.1796% | 6,003 |
| Cash dividends to net income (ytd only)* | 66.4894% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 1,725 |
| Loan loss allowance to noncurrent loans | 83.9769% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 3.5597% | 329 |
| Noncurrent loans to loans | 1.8687% | 1,149 |
| Net loans and leases to total assets | 66.5528% | 2,904 |
| Net loans and leases to deposits | 76.3978% | 3,207 |
| Net loans and leases to core deposits | 78.7025% | 3,475 |
| Total domestic deposits to total assets | 87.1136% | 2,068 |
| Equity capital to assets | 11.0192% | 2,799 |
| Core capital (leverage) ratio | 10.0434% | 3,448 |
| Tier 1 risk-based capital ratio | 14.1453% | 3,641 |
| Total risk-based capital ratio | 15.3980% | 3,551 |
| Memoranda: | ||
| Average total assets | $132,563,400 | 3,840 |
| Average earning assets | $117,864,000 | 3,930 |
| Average equity | $14,925,800 | 3,848 |
| Average total loans | $88,296,400 | 3,626 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1866% | 448 |
| Cost of funding earning assets | 0.2316% | 5,076 |
| Net interest margin | 4.9550% | 282 |
| Noninterest income to average assets | 1.8867% | 392 |
| Noninterest expense to average assets | 4.9465% | 289 |
| Loan and lease loss provision to assets | -0.4029% | 6,185 |
| Net operating income to assets | 1.6857% | 647 |
| Return on assets (ROA) | 1.7243% | 619 |
| Pretax return on assets | 1.7243% | 1,044 |
| Return on Equity (ROE) | 15.2293% | 701 |
| Retained earnings to average equity (ytd only) | 4.0247% | 3,603 |
| Net charge-offs to loans | 0.0061% | 3,965 |
| Credit loss provision to net charge-offs | -9,925.0000% | 5,733 |
| Earnings coverage of net charge-offs (x) | 316.1895% | 229 |
| Efficiency ratio | 79.2603% | 1,765 |
| Assets per employee ($millions) | 2.0611% | 6,123 |
| Cash dividends to net income (ytd only)* | 73.5728% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 1,647 |
| Loan loss allowance to noncurrent loans | 85.0258% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 3.7522% | 327 |
| Noncurrent loans to loans | 1.9251% | 1,204 |
| Net loans and leases to total assets | 66.4756% | 2,938 |
| Net loans and leases to deposits | 77.9014% | 3,106 |
| Net loans and leases to core deposits | 80.3617% | 3,399 |
| Total domestic deposits to total assets | 85.3330% | 2,861 |
| Equity capital to assets | 11.2425% | 2,755 |
| Core capital (leverage) ratio | 10.2331% | 3,329 |
| Tier 1 risk-based capital ratio | 14.2638% | 3,690 |
| Total risk-based capital ratio | 15.5177% | 3,621 |
| Memoranda: | ||
| Average total assets | $131,375,500 | 3,907 |
| Average earning assets | $115,139,750 | 4,022 |
| Average equity | $14,874,500 | 3,894 |
| Average total loans | $87,159,500 | 3,694 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 549 |
| Cost of funding earning assets | 0.2166% | 5,290 |
| Net interest margin | 4.8428% | 332 |
| Noninterest income to average assets | 1.8941% | 399 |
| Noninterest expense to average assets | 4.9146% | 307 |
| Loan and lease loss provision to assets | -0.6130% | 6,290 |
| Net operating income to assets | 1.8757% | 446 |
| Return on assets (ROA) | 1.9294% | 433 |
| Pretax return on assets | 1.9294% | 694 |
| Return on Equity (ROE) | 16.9997% | 490 |
| Retained earnings to average equity (ytd only) | 10.2484% | 625 |
| Net charge-offs to loans | -0.0418% | 5,473 |
| Credit loss provision to net charge-offs | 2,222.2222% | 181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4096% | 1,851 |
| Assets per employee ($millions) | 2.0773% | 6,200 |
| Cash dividends to net income (ytd only)* | 39.7141% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 1,808 |
| Loan loss allowance to noncurrent loans | 78.2473% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 4.7468% | 247 |
| Noncurrent loans to loans | 2.0853% | 1,156 |
| Net loans and leases to total assets | 69.0994% | 2,467 |
| Net loans and leases to deposits | 81.6389% | 2,607 |
| Net loans and leases to core deposits | 84.2988% | 2,952 |
| Total domestic deposits to total assets | 84.6402% | 3,277 |
| Equity capital to assets | 11.6988% | 2,250 |
| Core capital (leverage) ratio | 10.7061% | 2,726 |
| Tier 1 risk-based capital ratio | 14.6619% | 3,547 |
| Total risk-based capital ratio | 15.9163% | 3,475 |
| Memoranda: | ||
| Average total assets | $130,509,330 | 3,952 |
| Average earning assets | $115,429,330 | 4,043 |
| Average equity | $14,812,000 | 3,921 |
| Average total loans | $86,032,000 | 3,732 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8959% | 707 |
| Cost of funding earning assets | 0.2297% | 5,220 |
| Net interest margin | 4.6662% | 440 |
| Noninterest income to average assets | 1.5653% | 502 |
| Noninterest expense to average assets | 4.8032% | 345 |
| Loan and lease loss provision to assets | -0.4573% | 6,345 |
| Net operating income to assets | 1.3351% | 1,168 |
| Return on assets (ROA) | 1.4486% | 1,004 |
| Pretax return on assets | 1.4486% | 1,728 |
| Return on Equity (ROE) | 12.9644% | 1,100 |
| Retained earnings to average equity (ytd only) | -0.7691% | 5,512 |
| Net charge-offs to loans | -0.1878% | 6,041 |
| Credit loss provision to net charge-offs | 382.0513% | 687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3868% | 1,330 |
| Assets per employee ($millions) | 2.0666% | 6,264 |
| Cash dividends to net income (ytd only)* | 105.9322% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0952% | 929 |
| Loan loss allowance to noncurrent loans | 35.8689% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 8.0371% | 99 |
| Noncurrent loans to loans | 5.8414% | 190 |
| Net loans and leases to total assets | 64.6585% | 2,995 |
| Net loans and leases to deposits | 74.6672% | 3,206 |
| Net loans and leases to core deposits | 77.0957% | 3,476 |
| Total domestic deposits to total assets | 86.5956% | 2,609 |
| Equity capital to assets | 11.3853% | 2,570 |
| Core capital (leverage) ratio | 10.1349% | 3,422 |
| Tier 1 risk-based capital ratio | 15.1630% | 3,340 |
| Total risk-based capital ratio | 16.4230% | 3,258 |
| Memoranda: | ||
| Average total assets | $130,330,000 | 3,986 |
| Average earning assets | $114,954,000 | 4,080 |
| Average equity | $14,563,000 | 3,984 |
| Average total loans | $83,083,500 | 3,818 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8387% | 1,030 |
| Cost of funding earning assets | 0.2667% | 5,138 |
| Net interest margin | 4.5720% | 651 |
| Noninterest income to average assets | 1.8611% | 382 |
| Noninterest expense to average assets | 5.2464% | 265 |
| Loan and lease loss provision to assets | -0.2597% | 6,342 |
| Net operating income to assets | 0.8493% | 3,120 |
| Return on assets (ROA) | 0.8565% | 3,182 |
| Pretax return on assets | 0.8565% | 4,046 |
| Return on Equity (ROE) | 7.7477% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.7477% | 1,111 |
| Net charge-offs to loans | 0.0233% | 4,372 |
| Credit loss provision to net charge-offs | -1,811.1111% | 5,968 |
| Earnings coverage of net charge-offs (x) | 41.1111% | 1,059 |
| Efficiency ratio | 89.6519% | 865 |
| Assets per employee ($millions) | 2.2088% | 6,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3079% | 717 |
| Loan loss allowance to noncurrent loans | 41.3808% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 7.5523% | 127 |
| Noncurrent loans to loans | 5.5772% | 230 |
| Net loans and leases to total assets | 60.1109% | 3,780 |
| Net loans and leases to deposits | 69.0949% | 4,022 |
| Net loans and leases to core deposits | 71.2548% | 4,193 |
| Total domestic deposits to total assets | 86.9977% | 2,290 |
| Equity capital to assets | 10.9696% | 2,924 |
| Core capital (leverage) ratio | 9.9818% | 3,591 |
| Tier 1 risk-based capital ratio | 14.9529% | 3,514 |
| Total risk-based capital ratio | 16.2141% | 3,442 |
| Memoranda: | ||
| Average total assets | $125,515,200 | 4,071 |
| Average earning assets | $109,119,800 | 4,204 |
| Average equity | $13,875,000 | 4,048 |
| Average total loans | $77,105,200 | 3,965 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 867 |
| Cost of funding earning assets | 0.2723% | 5,183 |
| Net interest margin | 4.6629% | 543 |
| Noninterest income to average assets | 1.7614% | 422 |
| Noninterest expense to average assets | 5.3273% | 251 |
| Loan and lease loss provision to assets | -0.2413% | 6,419 |
| Net operating income to assets | 0.7153% | 3,863 |
| Return on assets (ROA) | 0.7143% | 3,966 |
| Pretax return on assets | 0.7143% | 4,658 |
| Return on Equity (ROE) | 6.4481% | 4,004 |
| Retained earnings to average equity (ytd only) | 6.4481% | 2,134 |
| Net charge-offs to loans | 0.0333% | 3,819 |
| Credit loss provision to net charge-offs | -1,178.9474% | 5,894 |
| Earnings coverage of net charge-offs (x) | 23.1603% | 1,598 |
| Efficiency ratio | 91.5877% | 734 |
| Assets per employee ($millions) | 1.9323% | 6,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4278% | 701 |
| Loan loss allowance to noncurrent loans | 46.1897% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 8.1584% | 127 |
| Noncurrent loans to loans | 5.2561% | 317 |
| Net loans and leases to total assets | 63.4212% | 3,277 |
| Net loans and leases to deposits | 74.5217% | 3,367 |
| Net loans and leases to core deposits | 76.6574% | 3,674 |
| Total domestic deposits to total assets | 85.1043% | 3,299 |
| Equity capital to assets | 11.2357% | 2,717 |
| Core capital (leverage) ratio | 10.1605% | 3,460 |
| Tier 1 risk-based capital ratio | 14.1378% | 4,113 |
| Total risk-based capital ratio | 15.4007% | 4,039 |
| Memoranda: | ||
| Average total assets | $123,761,500 | 4,140 |
| Average earning assets | $107,227,250 | 4,285 |
| Average equity | $13,709,250 | 4,096 |
| Average total loans | $75,994,750 | 4,032 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8932% | 920 |
| Cost of funding earning assets | 0.2758% | 5,231 |
| Net interest margin | 4.6174% | 567 |
| Noninterest income to average assets | 1.7475% | 424 |
| Noninterest expense to average assets | 5.2944% | 260 |
| Loan and lease loss provision to assets | -0.2371% | 6,498 |
| Net operating income to assets | 0.6870% | 3,912 |
| Return on assets (ROA) | 0.6870% | 4,005 |
| Pretax return on assets | 0.6870% | 4,689 |
| Return on Equity (ROE) | 6.2320% | 4,034 |
| Retained earnings to average equity (ytd only) | 6.2320% | 2,194 |
| Net charge-offs to loans | 0.0540% | 3,195 |
| Credit loss provision to net charge-offs | -730.0000% | 5,661 |
| Earnings coverage of net charge-offs (x) | 13.8500% | 1,949 |
| Efficiency ratio | 91.9141% | 770 |
| Assets per employee ($millions) | 1.7924% | 6,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5663% | 648 |
| Loan loss allowance to noncurrent loans | 44.1467% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 8.4850% | 125 |
| Noncurrent loans to loans | 5.8131% | 285 |
| Net loans and leases to total assets | 62.3054% | 3,357 |
| Net loans and leases to deposits | 73.9591% | 3,321 |
| Net loans and leases to core deposits | 76.3001% | 3,600 |
| Total domestic deposits to total assets | 84.2431% | 3,838 |
| Equity capital to assets | 11.0864% | 2,800 |
| Core capital (leverage) ratio | 10.0145% | 3,585 |
| Tier 1 risk-based capital ratio | 14.5278% | 3,910 |
| Total risk-based capital ratio | 15.7928% | 3,842 |
| Memoranda: | ||
| Average total assets | $123,148,670 | 4,180 |
| Average earning assets | $106,597,670 | 4,310 |
| Average equity | $13,575,000 | 4,121 |
| Average total loans | $74,113,330 | 4,098 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 902 |
| Cost of funding earning assets | 0.2808% | 5,276 |
| Net interest margin | 4.5983% | 553 |
| Noninterest income to average assets | 1.4329% | 572 |
| Noninterest expense to average assets | 5.3480% | 262 |
| Loan and lease loss provision to assets | -0.2525% | 6,597 |
| Net operating income to assets | 0.3115% | 5,451 |
| Return on assets (ROA) | 0.3115% | 5,501 |
| Pretax return on assets | 0.3115% | 5,689 |
| Return on Equity (ROE) | 2.8342% | 5,516 |
| Retained earnings to average equity (ytd only) | 2.8342% | 4,392 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6659% | 516 |
| Assets per employee ($millions) | 1.9223% | 6,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9949% | 439 |
| Loan loss allowance to noncurrent loans | 42.8400% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 9.2680% | 127 |
| Noncurrent loans to loans | 6.9910% | 222 |
| Net loans and leases to total assets | 57.4485% | 3,931 |
| Net loans and leases to deposits | 66.1359% | 4,076 |
| Net loans and leases to core deposits | 68.4255% | 4,265 |
| Total domestic deposits to total assets | 86.8643% | 2,901 |
| Equity capital to assets | 11.1399% | 2,583 |
| Core capital (leverage) ratio | 9.9473% | 3,638 |
| Tier 1 risk-based capital ratio | 15.2004% | 3,613 |
| Total risk-based capital ratio | 16.4687% | 3,556 |
| Memoranda: | ||
| Average total assets | $121,988,500 | 4,230 |
| Average earning assets | $105,431,000 | 4,377 |
| Average equity | $13,407,500 | 4,167 |
| Average total loans | $71,053,500 | 4,233 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4671% | 2,337 |
| Cost of funding earning assets | 0.3281% | 5,343 |
| Net interest margin | 4.1389% | 1,543 |
| Noninterest income to average assets | 2.1630% | 352 |
| Noninterest expense to average assets | 5.6683% | 231 |
| Loan and lease loss provision to assets | -0.1527% | 6,549 |
| Net operating income to assets | 0.2417% | 5,711 |
| Return on assets (ROA) | 0.2425% | 5,778 |
| Pretax return on assets | 0.2425% | 5,862 |
| Return on Equity (ROE) | 2.2655% | 5,748 |
| Retained earnings to average equity (ytd only) | 2.2655% | 4,634 |
| Net charge-offs to loans | 0.0786% | 4,119 |
| Credit loss provision to net charge-offs | -333.9286% | 6,073 |
| Earnings coverage of net charge-offs (x) | 1.9464% | 4,399 |
| Efficiency ratio | 98.1279% | 541 |
| Assets per employee ($millions) | 1.8903% | 6,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1611% | 388 |
| Loan loss allowance to noncurrent loans | 44.7506% | 5,467 |
| Noncurrent assets plus other real estate owned to assets | 9.1795% | 147 |
| Noncurrent loans to loans | 7.0639% | 235 |
| Net loans and leases to total assets | 55.4732% | 4,389 |
| Net loans and leases to deposits | 63.6151% | 4,543 |
| Net loans and leases to core deposits | 65.7741% | 4,715 |
| Total domestic deposits to total assets | 87.2013% | 2,623 |
| Equity capital to assets | 10.8438% | 2,767 |
| Core capital (leverage) ratio | 9.7532% | 3,904 |
| Tier 1 risk-based capital ratio | 15.0383% | 3,642 |
| Total risk-based capital ratio | 16.3075% | 3,575 |
| Memoranda: | ||
| Average total assets | $122,471,600 | 4,228 |
| Average earning assets | $106,356,000 | 4,354 |
| Average equity | $13,109,800 | 4,243 |
| Average total loans | $71,273,400 | 4,212 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 2,622 |
| Cost of funding earning assets | 0.3390% | 5,392 |
| Net interest margin | 4.0527% | 1,779 |
| Noninterest income to average assets | 2.0876% | 392 |
| Noninterest expense to average assets | 5.7354% | 228 |
| Loan and lease loss provision to assets | 0.0065% | 4,846 |
| Net operating income to assets | -0.1242% | 6,408 |
| Return on assets (ROA) | -0.1242% | 6,438 |
| Pretax return on assets | -0.1242% | 6,418 |
| Return on Equity (ROE) | -1.1642% | 6,435 |
| Retained earnings to average equity (ytd only) | -1.1642% | 6,158 |
| Net charge-offs to loans | 0.0504% | 4,189 |
| Credit loss provision to net charge-offs | 22.2222% | 4,032 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 5,123 |
| Efficiency ratio | 101.7649% | 411 |
| Assets per employee ($millions) | 1.9856% | 6,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2942% | 417 |
| Loan loss allowance to noncurrent loans | 37.7565% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 10.2815% | 130 |
| Noncurrent loans to loans | 8.7247% | 194 |
| Net loans and leases to total assets | 60.2975% | 3,652 |
| Net loans and leases to deposits | 69.3779% | 3,873 |
| Net loans and leases to core deposits | 71.9987% | 4,093 |
| Total domestic deposits to total assets | 86.9116% | 2,746 |
| Equity capital to assets | 10.8817% | 2,885 |
| Core capital (leverage) ratio | 9.7251% | 4,067 |
| Tier 1 risk-based capital ratio | 14.0542% | 4,386 |
| Total risk-based capital ratio | 15.3258% | 4,320 |
| Memoranda: | ||
| Average total assets | $122,371,500 | 4,267 |
| Average earning assets | $106,591,750 | 4,392 |
| Average equity | $13,056,250 | 4,302 |
| Average total loans | $71,495,250 | 4,239 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3608% | 2,711 |
| Cost of funding earning assets | 0.3540% | 5,361 |
| Net interest margin | 4.0069% | 1,834 |
| Noninterest income to average assets | 2.0802% | 420 |
| Noninterest expense to average assets | 5.8388% | 221 |
| Loan and lease loss provision to assets | -0.0049% | 6,571 |
| Net operating income to assets | -0.2511% | 6,518 |
| Return on assets (ROA) | -0.2511% | 6,550 |
| Pretax return on assets | -0.2511% | 6,528 |
| Return on Equity (ROE) | -2.3688% | 6,543 |
| Retained earnings to average equity (ytd only) | -2.3688% | 6,233 |
| Net charge-offs to loans | 0.2211% | 2,419 |
| Credit loss provision to net charge-offs | -3.8462% | 5,433 |
| Earnings coverage of net charge-offs (x) | -2.0256% | 4,772 |
| Efficiency ratio | 104.2368% | 380 |
| Assets per employee ($millions) | 1.7094% | 6,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3755% | 409 |
| Loan loss allowance to noncurrent loans | 35.6748% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 10.3993% | 140 |
| Noncurrent loans to loans | 9.4618% | 184 |
| Net loans and leases to total assets | 57.9305% | 3,998 |
| Net loans and leases to deposits | 66.5988% | 4,195 |
| Net loans and leases to core deposits | 69.1372% | 4,370 |
| Total domestic deposits to total assets | 86.9843% | 2,829 |
| Equity capital to assets | 10.9479% | 2,801 |
| Core capital (leverage) ratio | 9.4128% | 4,371 |
| Tier 1 risk-based capital ratio | 14.1012% | 4,356 |
| Total risk-based capital ratio | 15.3729% | 4,300 |
| Memoranda: | ||
| Average total assets | $123,450,000 | 4,269 |
| Average earning assets | $107,915,000 | 4,385 |
| Average equity | $13,087,000 | 4,331 |
| Average total loans | $70,566,000 | 4,294 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 3,333 |
| Cost of funding earning assets | 0.3621% | 5,435 |
| Net interest margin | 3.8308% | 2,344 |
| Noninterest income to average assets | 2.0507% | 420 |
| Noninterest expense to average assets | 5.5372% | 263 |
| Loan and lease loss provision to assets | 0.0032% | 4,381 |
| Net operating income to assets | -0.1363% | 6,475 |
| Return on assets (ROA) | -0.1363% | 6,520 |
| Pretax return on assets | -0.1363% | 6,512 |
| Return on Equity (ROE) | -1.3056% | 6,518 |
| Retained earnings to average equity (ytd only) | -1.3056% | 5,994 |
| Net charge-offs to loans | 0.1759% | 2,339 |
| Credit loss provision to net charge-offs | 3.2258% | 3,209 |
| Earnings coverage of net charge-offs (x) | -1.3548% | 3,984 |
| Efficiency ratio | 102.1114% | 478 |
| Assets per employee ($millions) | 1.7803% | 6,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4413% | 443 |
| Loan loss allowance to noncurrent loans | 32.2444% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 10.0600% | 189 |
| Noncurrent loans to loans | 10.6726% | 181 |
| Net loans and leases to total assets | 54.8916% | 4,262 |
| Net loans and leases to deposits | 63.2953% | 4,383 |
| Net loans and leases to core deposits | 66.2525% | 4,499 |
| Total domestic deposits to total assets | 86.7231% | 3,118 |
| Equity capital to assets | 10.5776% | 3,455 |
| Core capital (leverage) ratio | 9.2873% | 4,422 |
| Tier 1 risk-based capital ratio | 14.3548% | 4,265 |
| Total risk-based capital ratio | 15.6267% | 4,221 |
| Memoranda: | ||
| Average total assets | $126,200,000 | 4,258 |
| Average earning assets | $110,472,500 | 4,363 |
| Average equity | $13,174,000 | 4,354 |
| Average total loans | $70,491,000 | 4,328 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7771% | 2,289 |
| Cost of funding earning assets | 0.5012% | 5,213 |
| Net interest margin | 4.2759% | 1,457 |
| Noninterest income to average assets | 2.5948% | 304 |
| Noninterest expense to average assets | 5.4378% | 280 |
| Loan and lease loss provision to assets | 0.5372% | 1,074 |
| Net operating income to assets | 0.3033% | 5,460 |
| Return on assets (ROA) | 0.3041% | 5,664 |
| Pretax return on assets | 0.3041% | 5,810 |
| Return on Equity (ROE) | 2.9988% | 5,553 |
| Retained earnings to average equity (ytd only) | 2.9988% | 4,120 |
| Net charge-offs to loans | 0.4480% | 2,435 |
| Credit loss provision to net charge-offs | 202.1021% | 1,279 |
| Earnings coverage of net charge-offs (x) | 3.1622% | 3,853 |
| Efficiency ratio | 86.2446% | 1,404 |
| Assets per employee ($millions) | 1.9658% | 6,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5188% | 420 |
| Loan loss allowance to noncurrent loans | 31.8657% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 10.6333% | 196 |
| Noncurrent loans to loans | 11.0427% | 185 |
| Net loans and leases to total assets | 52.9583% | 4,770 |
| Net loans and leases to deposits | 60.8026% | 4,935 |
| Net loans and leases to core deposits | 63.7335% | 4,988 |
| Total domestic deposits to total assets | 87.0987% | 2,782 |
| Equity capital to assets | 10.3038% | 3,754 |
| Core capital (leverage) ratio | 9.0780% | 4,771 |
| Tier 1 risk-based capital ratio | 14.2249% | 4,221 |
| Total risk-based capital ratio | 15.4967% | 4,165 |
| Memoranda: | ||
| Average total assets | $125,290,400 | 4,242 |
| Average earning assets | $107,930,800 | 4,394 |
| Average equity | $12,705,200 | 4,415 |
| Average total loans | $74,330,800 | 4,198 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8724% | 2,117 |
| Cost of funding earning assets | 0.5303% | 5,242 |
| Net interest margin | 4.3420% | 1,368 |
| Noninterest income to average assets | 2.7507% | 278 |
| Noninterest expense to average assets | 5.4597% | 275 |
| Loan and lease loss provision to assets | 0.7208% | 697 |
| Net operating income to assets | 0.3005% | 5,614 |
| Return on assets (ROA) | 0.3016% | 5,813 |
| Pretax return on assets | 0.3016% | 5,954 |
| Return on Equity (ROE) | 2.9864% | 5,684 |
| Retained earnings to average equity (ytd only) | 2.9864% | 4,765 |
| Net charge-offs to loans | 0.5324% | 2,012 |
| Credit loss provision to net charge-offs | 223.9203% | 1,241 |
| Earnings coverage of net charge-offs (x) | 3.1728% | 3,760 |
| Efficiency ratio | 83.8779% | 1,604 |
| Assets per employee ($millions) | 1.9542% | 7,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4801% | 476 |
| Loan loss allowance to noncurrent loans | 32.3880% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 11.4944% | 177 |
| Noncurrent loans to loans | 10.7451% | 215 |
| Net loans and leases to total assets | 55.4601% | 4,530 |
| Net loans and leases to deposits | 63.8958% | 4,724 |
| Net loans and leases to core deposits | 67.4563% | 4,783 |
| Total domestic deposits to total assets | 86.7978% | 2,800 |
| Equity capital to assets | 10.4238% | 3,927 |
| Core capital (leverage) ratio | 9.3358% | 4,523 |
| Tier 1 risk-based capital ratio | 13.9007% | 4,611 |
| Total risk-based capital ratio | 15.1723% | 4,546 |
| Memoranda: | ||
| Average total assets | $124,668,500 | 4,298 |
| Average earning assets | $107,105,000 | 4,463 |
| Average equity | $12,590,000 | 4,481 |
| Average total loans | $75,379,250 | 4,222 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9253% | 2,005 |
| Cost of funding earning assets | 0.5560% | 5,259 |
| Net interest margin | 4.3693% | 1,282 |
| Noninterest income to average assets | 2.8346% | 259 |
| Noninterest expense to average assets | 5.6627% | 247 |
| Loan and lease loss provision to assets | 1.0792% | 401 |
| Net operating income to assets | -0.1461% | 6,485 |
| Return on assets (ROA) | -0.1445% | 6,573 |
| Pretax return on assets | -0.1445% | 6,549 |
| Return on Equity (ROE) | -1.4468% | 6,579 |
| Retained earnings to average equity (ytd only) | -1.4468% | 6,281 |
| Net charge-offs to loans | 0.1228% | 3,948 |
| Credit loss provision to net charge-offs | 1,429.7872% | 231 |
| Earnings coverage of net charge-offs (x) | 12.3617% | 1,882 |
| Efficiency ratio | 85.5125% | 1,482 |
| Assets per employee ($millions) | 1.9227% | 7,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5427% | 480 |
| Loan loss allowance to noncurrent loans | 33.3980% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 11.7113% | 187 |
| Noncurrent loans to loans | 10.6074% | 234 |
| Net loans and leases to total assets | 60.9149% | 3,640 |
| Net loans and leases to deposits | 70.0520% | 3,890 |
| Net loans and leases to core deposits | 73.8318% | 4,058 |
| Total domestic deposits to total assets | 86.9567% | 2,793 |
| Equity capital to assets | 10.2599% | 3,984 |
| Core capital (leverage) ratio | 8.9613% | 4,964 |
| Tier 1 risk-based capital ratio | 12.6508% | 5,453 |
| Total risk-based capital ratio | 13.9247% | 5,413 |
| Memoranda: | ||
| Average total assets | $124,534,670 | 4,322 |
| Average earning assets | $107,202,670 | 4,483 |
| Average equity | $12,441,000 | 4,518 |
| Average total loans | $76,550,670 | 4,200 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8685% | 2,357 |
| Cost of funding earning assets | 0.5830% | 5,268 |
| Net interest margin | 4.2855% | 1,517 |
| Noninterest income to average assets | 1.6923% | 519 |
| Noninterest expense to average assets | 5.8144% | 226 |
| Loan and lease loss provision to assets | 1.7402% | 183 |
| Net operating income to assets | -2.1776% | 7,168 |
| Return on assets (ROA) | -2.1776% | 7,170 |
| Pretax return on assets | -2.1776% | 7,151 |
| Return on Equity (ROE) | -22.0909% | 7,128 |
| Retained earnings to average equity (ytd only) | -22.0909% | 7,073 |
| Net charge-offs to loans | 0.0632% | 3,862 |
| Credit loss provision to net charge-offs | 4,541.6667% | 54 |
| Earnings coverage of net charge-offs (x) | -11.4167% | 4,694 |
| Efficiency ratio | 107.7197% | 378 |
| Assets per employee ($millions) | 1.9441% | 7,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4254% | 569 |
| Loan loss allowance to noncurrent loans | 37.8682% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 10.7609% | 256 |
| Noncurrent loans to loans | 9.0456% | 373 |
| Net loans and leases to total assets | 60.2967% | 3,601 |
| Net loans and leases to deposits | 68.8550% | 3,897 |
| Net loans and leases to core deposits | 72.4923% | 4,079 |
| Total domestic deposits to total assets | 87.5706% | 2,608 |
| Equity capital to assets | 9.6606% | 4,574 |
| Core capital (leverage) ratio | 8.4459% | 5,683 |
| Tier 1 risk-based capital ratio | 11.8286% | 6,065 |
| Total risk-based capital ratio | 13.1004% | 6,037 |
| Memoranda: | ||
| Average total assets | $125,276,000 | 4,337 |
| Average earning assets | $107,712,500 | 4,495 |
| Average equity | $12,349,000 | 4,544 |
| Average total loans | $75,971,000 | 4,240 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5013% | 1,173 |
| Cost of funding earning assets | 0.7623% | 5,121 |
| Net interest margin | 4.7390% | 697 |
| Noninterest income to average assets | 1.2454% | 838 |
| Noninterest expense to average assets | 4.6701% | 502 |
| Loan and lease loss provision to assets | 1.4836% | 502 |
| Net operating income to assets | -0.8779% | 6,689 |
| Return on assets (ROA) | -0.8376% | 6,701 |
| Pretax return on assets | -0.8376% | 6,664 |
| Return on Equity (ROE) | -7.9074% | 6,671 |
| Retained earnings to average equity (ytd only) | -7.9074% | 6,617 |
| Net charge-offs to loans | 2.5889% | 433 |
| Credit loss provision to net charge-offs | 95.3371% | 3,782 |
| Earnings coverage of net charge-offs (x) | 0.3893% | 5,526 |
| Efficiency ratio | 87.9952% | 1,358 |
| Assets per employee ($millions) | 2.1022% | 7,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8657% | 916 |
| Loan loss allowance to noncurrent loans | 33.2968% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 10.4718% | 296 |
| Noncurrent loans to loans | 8.6065% | 430 |
| Net loans and leases to total assets | 57.1875% | 4,517 |
| Net loans and leases to deposits | 65.4110% | 4,816 |
| Net loans and leases to core deposits | 68.8276% | 4,929 |
| Total domestic deposits to total assets | 87.4280% | 2,510 |
| Equity capital to assets | 10.0516% | 4,105 |
| Core capital (leverage) ratio | 8.9268% | 4,896 |
| Tier 1 risk-based capital ratio | 12.9395% | 5,120 |
| Total risk-based capital ratio | 14.2045% | 5,087 |
| Memoranda: | ||
| Average total assets | $126,786,400 | 4,234 |
| Average earning assets | $107,829,000 | 4,452 |
| Average equity | $13,430,400 | 4,254 |
| Average total loans | $76,210,000 | 4,263 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5096% | 1,230 |
| Cost of funding earning assets | 0.8025% | 5,132 |
| Net interest margin | 4.7072% | 751 |
| Noninterest income to average assets | 1.2298% | 866 |
| Noninterest expense to average assets | 4.5749% | 540 |
| Loan and lease loss provision to assets | 1.1920% | 659 |
| Net operating income to assets | -0.5388% | 6,655 |
| Return on assets (ROA) | -0.4884% | 6,678 |
| Pretax return on assets | -0.4884% | 6,613 |
| Return on Equity (ROE) | -4.5525% | 6,659 |
| Retained earnings to average equity (ytd only) | -4.5525% | 6,567 |
| Net charge-offs to loans | 2.2355% | 549 |
| Credit loss provision to net charge-offs | 88.2582% | 3,834 |
| Earnings coverage of net charge-offs (x) | 0.4837% | 5,258 |
| Efficiency ratio | 86.9827% | 1,439 |
| Assets per employee ($millions) | 2.2688% | 7,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6720% | 1,164 |
| Loan loss allowance to noncurrent loans | 27.8091% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 11.3981% | 257 |
| Noncurrent loans to loans | 9.6082% | 377 |
| Net loans and leases to total assets | 60.3964% | 4,060 |
| Net loans and leases to deposits | 69.6212% | 4,357 |
| Net loans and leases to core deposits | 73.6850% | 4,504 |
| Total domestic deposits to total assets | 86.7499% | 2,795 |
| Equity capital to assets | 10.6256% | 3,544 |
| Core capital (leverage) ratio | 9.5541% | 4,069 |
| Tier 1 risk-based capital ratio | 13.0164% | 5,085 |
| Total risk-based capital ratio | 14.2795% | 5,046 |
| Memoranda: | ||
| Average total assets | $126,950,750 | 4,255 |
| Average earning assets | $107,832,500 | 4,483 |
| Average equity | $13,618,500 | 4,213 |
| Average total loans | $76,698,000 | 4,286 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5357% | 1,217 |
| Cost of funding earning assets | 0.8363% | 5,156 |
| Net interest margin | 4.6994% | 728 |
| Noninterest income to average assets | 1.1561% | 961 |
| Noninterest expense to average assets | 4.5789% | 547 |
| Loan and lease loss provision to assets | 1.0699% | 781 |
| Net operating income to assets | -0.4966% | 6,687 |
| Return on assets (ROA) | -0.4214% | 6,657 |
| Pretax return on assets | -0.4214% | 6,603 |
| Return on Equity (ROE) | -3.9161% | 6,642 |
| Retained earnings to average equity (ytd only) | -3.9161% | 6,465 |
| Net charge-offs to loans | 1.7972% | 779 |
| Credit loss provision to net charge-offs | 99.4178% | 3,183 |
| Earnings coverage of net charge-offs (x) | 0.5328% | 4,908 |
| Efficiency ratio | 88.3551% | 1,374 |
| Assets per employee ($millions) | 2.2228% | 7,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8363% | 1,047 |
| Loan loss allowance to noncurrent loans | 23.6955% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 12.5644% | 229 |
| Noncurrent loans to loans | 11.9699% | 257 |
| Net loans and leases to total assets | 58.8838% | 4,489 |
| Net loans and leases to deposits | 68.2425% | 4,669 |
| Net loans and leases to core deposits | 72.2885% | 4,780 |
| Total domestic deposits to total assets | 86.2861% | 3,164 |
| Equity capital to assets | 10.4344% | 3,599 |
| Core capital (leverage) ratio | 9.6026% | 3,802 |
| Tier 1 risk-based capital ratio | 13.0572% | 4,872 |
| Total risk-based capital ratio | 14.3219% | 4,841 |
| Memoranda: | ||
| Average total assets | $127,673,000 | 4,274 |
| Average earning assets | $108,567,670 | 4,485 |
| Average equity | $13,738,330 | 4,169 |
| Average total loans | $76,452,670 | 4,332 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1598% | 2,384 |
| Cost of funding earning assets | 0.8545% | 5,244 |
| Net interest margin | 4.3053% | 1,548 |
| Noninterest income to average assets | 0.9004% | 1,666 |
| Noninterest expense to average assets | 4.5305% | 576 |
| Loan and lease loss provision to assets | 0.0094% | 5,782 |
| Net operating income to assets | 0.0724% | 6,170 |
| Return on assets (ROA) | 0.0850% | 6,183 |
| Pretax return on assets | 0.0850% | 6,204 |
| Return on Equity (ROE) | 0.7780% | 6,197 |
| Retained earnings to average equity (ytd only) | 0.7780% | 5,514 |
| Net charge-offs to loans | 0.1799% | 3,412 |
| Credit loss provision to net charge-offs | 8.8235% | 4,394 |
| Earnings coverage of net charge-offs (x) | 0.7647% | 4,064 |
| Efficiency ratio | 97.6109% | 856 |
| Assets per employee ($millions) | 2.2889% | 7,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8978% | 1,009 |
| Loan loss allowance to noncurrent loans | 24.2092% | 6,594 |
| Noncurrent assets plus other real estate owned to assets | 12.2346% | 254 |
| Noncurrent loans to loans | 11.9698% | 281 |
| Net loans and leases to total assets | 58.2664% | 4,602 |
| Net loans and leases to deposits | 68.0644% | 4,673 |
| Net loans and leases to core deposits | 72.4197% | 4,737 |
| Total domestic deposits to total assets | 85.6048% | 3,731 |
| Equity capital to assets | 11.0447% | 2,641 |
| Core capital (leverage) ratio | 9.9070% | 3,261 |
| Tier 1 risk-based capital ratio | 14.5955% | 3,679 |
| Total risk-based capital ratio | 15.8616% | 3,624 |
| Memoranda: | ||
| Average total assets | $127,049,500 | 4,321 |
| Average earning assets | $109,539,500 | 4,487 |
| Average equity | $13,881,500 | 4,131 |
| Average total loans | $75,614,500 | 4,398 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7145% | 1,518 |
| Cost of funding earning assets | 1.1111% | 5,078 |
| Net interest margin | 4.6033% | 1,003 |
| Noninterest income to average assets | 0.9526% | 1,663 |
| Noninterest expense to average assets | 4.3338% | 780 |
| Loan and lease loss provision to assets | 0.3817% | 3,826 |
| Net operating income to assets | 0.2292% | 5,185 |
| Return on assets (ROA) | 0.2331% | 5,322 |
| Pretax return on assets | 0.2331% | 5,402 |
| Return on Equity (ROE) | 2.2276% | 5,294 |
| Retained earnings to average equity (ytd only) | 2.2276% | 4,325 |
| Net charge-offs to loans | 0.5046% | 3,600 |
| Credit loss provision to net charge-offs | 115.9145% | 3,717 |
| Earnings coverage of net charge-offs (x) | 1.8551% | 4,339 |
| Efficiency ratio | 87.0136% | 1,569 |
| Assets per employee ($millions) | 2.3743% | 7,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9331% | 922 |
| Loan loss allowance to noncurrent loans | 25.9831% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 11.8166% | 289 |
| Noncurrent loans to loans | 11.2883% | 337 |
| Net loans and leases to total assets | 57.3036% | 5,138 |
| Net loans and leases to deposits | 66.6888% | 5,307 |
| Net loans and leases to core deposits | 70.8538% | 5,353 |
| Total domestic deposits to total assets | 85.9270% | 3,399 |
| Equity capital to assets | 10.8096% | 2,850 |
| Core capital (leverage) ratio | 9.7826% | 3,338 |
| Tier 1 risk-based capital ratio | 14.2983% | 3,679 |
| Total risk-based capital ratio | 15.5718% | 3,616 |
| Memoranda: | ||
| Average total assets | $127,855,800 | 4,319 |
| Average earning assets | $110,876,400 | 4,449 |
| Average equity | $13,377,800 | 4,291 |
| Average total loans | $83,434,600 | 4,227 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7768% | 1,464 |
| Cost of funding earning assets | 1.1784% | 4,988 |
| Net interest margin | 4.5984% | 1,047 |
| Noninterest income to average assets | 0.8348% | 2,057 |
| Noninterest expense to average assets | 4.3182% | 734 |
| Loan and lease loss provision to assets | 0.5040% | 2,939 |
| Net operating income to assets | 0.0073% | 5,989 |
| Return on assets (ROA) | 0.0104% | 6,105 |
| Pretax return on assets | 0.0104% | 6,072 |
| Return on Equity (ROE) | 0.1005% | 6,101 |
| Retained earnings to average equity (ytd only) | 0.1005% | 5,738 |
| Net charge-offs to loans | 0.3842% | 3,755 |
| Credit loss provision to net charge-offs | 196.3415% | 1,819 |
| Earnings coverage of net charge-offs (x) | 1.9919% | 4,223 |
| Efficiency ratio | 88.7640% | 1,384 |
| Assets per employee ($millions) | 2.2594% | 7,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8746% | 932 |
| Loan loss allowance to noncurrent loans | 27.1406% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 10.4688% | 368 |
| Noncurrent loans to loans | 10.5916% | 375 |
| Net loans and leases to total assets | 64.9829% | 3,909 |
| Net loans and leases to deposits | 75.9673% | 4,182 |
| Net loans and leases to core deposits | 81.2090% | 4,355 |
| Total domestic deposits to total assets | 85.5406% | 3,326 |
| Equity capital to assets | 10.9275% | 3,029 |
| Core capital (leverage) ratio | 9.7763% | 3,518 |
| Tier 1 risk-based capital ratio | 13.5735% | 4,143 |
| Total risk-based capital ratio | 14.8518% | 4,067 |
| Memoranda: | ||
| Average total assets | $127,767,250 | 4,376 |
| Average earning assets | $110,993,500 | 4,512 |
| Average equity | $13,257,500 | 4,380 |
| Average total loans | $85,371,000 | 4,246 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6909% | 1,802 |
| Cost of funding earning assets | 1.2490% | 4,837 |
| Net interest margin | 4.4418% | 1,338 |
| Noninterest income to average assets | 0.7554% | 2,355 |
| Noninterest expense to average assets | 4.1711% | 842 |
| Loan and lease loss provision to assets | 0.7182% | 2,028 |
| Net operating income to assets | -0.2559% | 6,421 |
| Return on assets (ROA) | -0.2528% | 6,459 |
| Pretax return on assets | -0.2528% | 6,376 |
| Return on Equity (ROE) | -2.4790% | 6,463 |
| Retained earnings to average equity (ytd only) | -2.4790% | 6,223 |
| Net charge-offs to loans | 0.5319% | 2,940 |
| Credit loss provision to net charge-offs | 202.1834% | 1,932 |
| Earnings coverage of net charge-offs (x) | 1.3013% | 4,529 |
| Efficiency ratio | 89.3539% | 1,387 |
| Assets per employee ($millions) | 2.1933% | 7,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7939% | 1,003 |
| Loan loss allowance to noncurrent loans | 25.1661% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 10.9213% | 330 |
| Noncurrent loans to loans | 11.1020% | 359 |
| Net loans and leases to total assets | 67.6154% | 3,470 |
| Net loans and leases to deposits | 80.2373% | 3,557 |
| Net loans and leases to core deposits | 86.3267% | 3,781 |
| Total domestic deposits to total assets | 84.2694% | 3,976 |
| Equity capital to assets | 10.9091% | 2,961 |
| Core capital (leverage) ratio | 9.5344% | 3,770 |
| Tier 1 risk-based capital ratio | 13.0280% | 4,416 |
| Total risk-based capital ratio | 14.3027% | 4,348 |
| Memoranda: | ||
| Average total assets | $128,934,670 | 4,377 |
| Average earning assets | $112,566,330 | 4,494 |
| Average equity | $13,150,330 | 4,407 |
| Average total loans | $86,114,330 | 4,248 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6497% | 1,963 |
| Cost of funding earning assets | 1.3198% | 4,695 |
| Net interest margin | 4.3300% | 1,597 |
| Noninterest income to average assets | 0.7182% | 2,481 |
| Noninterest expense to average assets | 4.1185% | 887 |
| Loan and lease loss provision to assets | 1.1001% | 1,115 |
| Net operating income to assets | -0.7122% | 6,960 |
| Return on assets (ROA) | -0.7091% | 6,983 |
| Pretax return on assets | -0.7091% | 6,903 |
| Return on Equity (ROE) | -7.1856% | 7,012 |
| Retained earnings to average equity (ytd only) | -7.1856% | 6,763 |
| Net charge-offs to loans | 0.9947% | 1,651 |
| Credit loss provision to net charge-offs | 168.8372% | 2,159 |
| Earnings coverage of net charge-offs (x) | 0.5953% | 4,497 |
| Efficiency ratio | 90.7196% | 1,377 |
| Assets per employee ($millions) | 2.2819% | 7,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6586% | 1,118 |
| Loan loss allowance to noncurrent loans | 24.3312% | 6,783 |
| Noncurrent assets plus other real estate owned to assets | 10.0341% | 397 |
| Noncurrent loans to loans | 10.9268% | 365 |
| Net loans and leases to total assets | 64.7733% | 4,145 |
| Net loans and leases to deposits | 74.9944% | 4,584 |
| Net loans and leases to core deposits | 79.7410% | 4,790 |
| Total domestic deposits to total assets | 86.3708% | 2,950 |
| Equity capital to assets | 10.2509% | 3,533 |
| Core capital (leverage) ratio | 8.9928% | 4,586 |
| Tier 1 risk-based capital ratio | 12.5894% | 4,649 |
| Total risk-based capital ratio | 13.8638% | 4,594 |
| Memoranda: | ||
| Average total assets | $131,990,000 | 4,359 |
| Average earning assets | $115,474,500 | 4,482 |
| Average equity | $13,026,000 | 4,466 |
| Average total loans | $86,454,000 | 4,308 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5338% | 620 |
| Cost of funding earning assets | 1.7390% | 4,315 |
| Net interest margin | 4.7948% | 702 |
| Noninterest income to average assets | 0.7615% | 2,607 |
| Noninterest expense to average assets | 4.0587% | 1,290 |
| Loan and lease loss provision to assets | 0.5233% | 3,755 |
| Net operating income to assets | 0.4350% | 3,987 |
| Return on assets (ROA) | 0.4411% | 4,084 |
| Pretax return on assets | 0.4411% | 4,371 |
| Return on Equity (ROE) | 4.8310% | 3,748 |
| Retained earnings to average equity (ytd only) | 4.8310% | 1,912 |
| Net charge-offs to loans | 0.2082% | 5,327 |
| Credit loss provision to net charge-offs | 369.1489% | 867 |
| Earnings coverage of net charge-offs (x) | 6.7606% | 2,293 |
| Efficiency ratio | 80.2074% | 2,859 |
| Assets per employee ($millions) | 2.3494% | 7,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4931% | 1,233 |
| Loan loss allowance to noncurrent loans | 24.9219% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 8.9102% | 451 |
| Noncurrent loans to loans | 10.0036% | 411 |
| Net loans and leases to total assets | 62.8807% | 4,836 |
| Net loans and leases to deposits | 72.0831% | 5,314 |
| Net loans and leases to core deposits | 89.1248% | 5,213 |
| Total domestic deposits to total assets | 87.2336% | 2,370 |
| Equity capital to assets | 9.4979% | 4,413 |
| Core capital (leverage) ratio | 8.3232% | 5,570 |
| Tier 1 risk-based capital ratio | 11.8837% | 5,041 |
| Total risk-based capital ratio | 13.1580% | 4,980 |
| Memoranda: | ||
| Average total assets | $132,629,000 | 4,285 |
| Average earning assets | $117,711,800 | 4,363 |
| Average equity | $12,109,400 | 4,720 |
| Average total loans | $90,317,600 | 4,203 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7185% | 494 |
| Cost of funding earning assets | 1.8161% | 4,308 |
| Net interest margin | 4.9024% | 551 |
| Noninterest income to average assets | 0.7407% | 2,761 |
| Noninterest expense to average assets | 4.0309% | 1,236 |
| Loan and lease loss provision to assets | 0.3406% | 4,291 |
| Net operating income to assets | 0.7215% | 3,129 |
| Return on assets (ROA) | 0.7276% | 3,172 |
| Pretax return on assets | 0.7276% | 3,766 |
| Return on Equity (ROE) | 8.0508% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.0508% | 1,122 |
| Net charge-offs to loans | 0.1577% | 5,131 |
| Credit loss provision to net charge-offs | 312.9630% | 1,317 |
| Earnings coverage of net charge-offs (x) | 9.7590% | 2,063 |
| Efficiency ratio | 78.4527% | 3,092 |
| Assets per employee ($millions) | 2.5077% | 7,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0919% | 1,613 |
| Loan loss allowance to noncurrent loans | 39.2022% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 5.8620% | 936 |
| Noncurrent loans to loans | 5.3362% | 1,194 |
| Net loans and leases to total assets | 66.0981% | 4,407 |
| Net loans and leases to deposits | 75.8071% | 5,081 |
| Net loans and leases to core deposits | 94.9401% | 4,935 |
| Total domestic deposits to total assets | 87.1925% | 2,080 |
| Equity capital to assets | 9.2937% | 5,047 |
| Core capital (leverage) ratio | 8.3771% | 5,694 |
| Tier 1 risk-based capital ratio | 11.1819% | 5,776 |
| Total risk-based capital ratio | 12.4486% | 5,704 |
| Memoranda: | ||
| Average total assets | $132,307,750 | 4,313 |
| Average earning assets | $117,463,000 | 4,394 |
| Average equity | $11,957,000 | 4,807 |
| Average total loans | $91,307,250 | 4,211 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8749% | 394 |
| Cost of funding earning assets | 1.9026% | 4,250 |
| Net interest margin | 4.9723% | 461 |
| Noninterest income to average assets | 0.7221% | 2,853 |
| Noninterest expense to average assets | 4.0164% | 1,292 |
| Loan and lease loss provision to assets | 0.3406% | 3,894 |
| Net operating income to assets | 0.7766% | 2,948 |
| Return on assets (ROA) | 0.7827% | 3,015 |
| Pretax return on assets | 0.7827% | 3,730 |
| Return on Equity (ROE) | 8.7439% | 2,452 |
| Retained earnings to average equity (ytd only) | 8.7439% | 999 |
| Net charge-offs to loans | 0.0740% | 5,467 |
| Credit loss provision to net charge-offs | 661.7647% | 704 |
| Earnings coverage of net charge-offs (x) | 21.7059% | 1,251 |
| Efficiency ratio | 77.5582% | 3,410 |
| Assets per employee ($millions) | 2.4357% | 7,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0196% | 1,529 |
| Loan loss allowance to noncurrent loans | 63.2050% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 4.0444% | 1,451 |
| Noncurrent loans to loans | 3.1954% | 2,232 |
| Net loans and leases to total assets | 69.0727% | 3,926 |
| Net loans and leases to deposits | 79.7952% | 4,574 |
| Net loans and leases to core deposits | 98.1162% | 4,689 |
| Total domestic deposits to total assets | 86.5624% | 2,477 |
| Equity capital to assets | 9.4103% | 4,731 |
| Core capital (leverage) ratio | 8.1967% | 5,987 |
| Tier 1 risk-based capital ratio | 10.9538% | 5,926 |
| Total risk-based capital ratio | 12.2211% | 5,838 |
| Memoranda: | ||
| Average total assets | $132,108,000 | 4,349 |
| Average earning assets | $117,209,670 | 4,440 |
| Average equity | $11,825,330 | 4,864 |
| Average total loans | $91,834,330 | 4,235 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9385% | 383 |
| Cost of funding earning assets | 2.0054% | 4,099 |
| Net interest margin | 4.9331% | 472 |
| Noninterest income to average assets | 0.6017% | 3,538 |
| Noninterest expense to average assets | 3.8798% | 1,338 |
| Loan and lease loss provision to assets | 0.3383% | 3,294 |
| Net operating income to assets | 0.7873% | 3,182 |
| Return on assets (ROA) | 0.7903% | 3,332 |
| Pretax return on assets | 0.7903% | 4,110 |
| Return on Equity (ROE) | 9.0535% | 2,692 |
| Retained earnings to average equity (ytd only) | 9.0535% | 1,464 |
| Net charge-offs to loans | -0.0260% | 7,513 |
| Credit loss provision to net charge-offs | -1,883.3333% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7943% | 3,356 |
| Assets per employee ($millions) | 2.3846% | 7,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9598% | 1,500 |
| Loan loss allowance to noncurrent loans | 65.7483% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 3.7056% | 1,428 |
| Noncurrent loans to loans | 2.9808% | 2,193 |
| Net loans and leases to total assets | 67.3597% | 4,278 |
| Net loans and leases to deposits | 76.1917% | 5,196 |
| Net loans and leases to core deposits | 97.7062% | 4,772 |
| Total domestic deposits to total assets | 88.4083% | 1,519 |
| Equity capital to assets | 8.9917% | 5,359 |
| Core capital (leverage) ratio | 7.6662% | 6,932 |
| Tier 1 risk-based capital ratio | 10.5908% | 6,301 |
| Total risk-based capital ratio | 11.6559% | 6,397 |
| Memoranda: | ||
| Average total assets | $133,615,500 | 4,330 |
| Average earning assets | $119,276,500 | 4,407 |
| Average equity | $11,664,000 | 4,935 |
| Average total loans | $92,248,500 | 4,253 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6080% | 336 |
| Cost of funding earning assets | 2.3843% | 4,789 |
| Net interest margin | 5.2237% | 322 |
| Noninterest income to average assets | 0.7311% | 2,896 |
| Noninterest expense to average assets | 4.0941% | 1,289 |
| Loan and lease loss provision to assets | 0.3240% | 3,786 |
| Net operating income to assets | 0.9843% | 2,612 |
| Return on assets (ROA) | 1.0087% | 2,402 |
| Pretax return on assets | 1.0109% | 3,341 |
| Return on Equity (ROE) | 11.7640% | 1,664 |
| Retained earnings to average equity (ytd only) | 5.5396% | 1,747 |
| Net charge-offs to loans | 0.1703% | 4,501 |
| Credit loss provision to net charge-offs | 260.7362% | 1,777 |
| Earnings coverage of net charge-offs (x) | 10.5460% | 2,497 |
| Efficiency ratio | 75.0176% | 3,397 |
| Assets per employee ($millions) | 2.1948% | 7,719 |
| Cash dividends to net income (ytd only)* | 52.9101% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 1,780 |
| Loan loss allowance to noncurrent loans | 161.3124% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 2.3479% | 2,071 |
| Noncurrent loans to loans | 1.0817% | 4,404 |
| Net loans and leases to total assets | 68.1519% | 4,439 |
| Net loans and leases to deposits | 77.8247% | 5,367 |
| Net loans and leases to core deposits | 97.5666% | 5,090 |
| Total domestic deposits to total assets | 87.5710% | 1,683 |
| Equity capital to assets | 8.4768% | 6,124 |
| Core capital (leverage) ratio | 7.4167% | 7,296 |
| Tier 1 risk-based capital ratio | 9.8177% | 6,940 |
| Total risk-based capital ratio | 11.0719% | 6,822 |
| Memoranda: | ||
| Average total assets | $131,165,400 | 4,252 |
| Average earning assets | $117,350,800 | 4,327 |
| Average equity | $11,246,200 | 5,050 |
| Average total loans | $95,726,200 | 4,060 |