Home > Dogwood State Bank > Performance and Condition Ratios
Dogwood State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6114% | 1,020 |
| Cost of funding earning assets | 2.1045% | 776 |
| Net interest margin | 3.5069% | 2,164 |
| Noninterest income to average assets | 0.9200% | 737 |
| Noninterest expense to average assets | 2.7712% | 1,575 |
| Loan and lease loss provision to assets | 0.4000% | 240 |
| Net operating income to assets | 0.8148% | 2,821 |
| Return on assets (ROA) | 0.8195% | 2,788 |
| Pretax return on assets | 1.0523% | 2,528 |
| Return on Equity (ROE) | 6.8600% | 3,313 |
| Retained earnings to average equity (ytd only) | 6.8601% | 1,931 |
| Net charge-offs to loans | 0.1796% | 594 |
| Credit loss provision to net charge-offs | 214.8996% | 1,171 |
| Earnings coverage of net charge-offs (x) | 10.4682% | 2,238 |
| Efficiency ratio | 65.5418% | 2,408 |
| Assets per employee ($millions) | 9.4190% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 2,956 |
| Loan loss allowance to noncurrent loans | 715.1497% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 2,755 |
| Noncurrent loans to loans | 0.1504% | 2,762 |
| Net loans and leases to total assets | 76.7400% | 1,009 |
| Net loans and leases to deposits | 91.9944% | 1,097 |
| Net loans and leases to core deposits | 102.8664% | 1,288 |
| Total domestic deposits to total assets | 83.4200% | 2,777 |
| Equity capital to assets | 11.4901% | 1,288 |
| Core capital (leverage) ratio | 11.0457% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6530% | 1,640 |
| Memoranda: | ||
| Average total assets | $1,299,207,000 | 805 |
| Average earning assets | $1,220,784,000 | 783 |
| Average equity | $155,201,200 | 657 |
| Average total loans | $997,867,800 | 728 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3997% | 1,135 |
| Cost of funding earning assets | 1.9332% | 808 |
| Net interest margin | 3.4664% | 2,288 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 2.7221% | 1,599 |
| Loan and lease loss provision to assets | 0.3700% | 231 |
| Net operating income to assets | 0.8064% | 3,003 |
| Return on assets (ROA) | 0.8124% | 2,978 |
| Pretax return on assets | 1.0397% | 2,744 |
| Return on Equity (ROE) | 6.7300% | 3,499 |
| Retained earnings to average equity (ytd only) | 6.7277% | 2,388 |
| Net charge-offs to loans | 0.2408% | 370 |
| Credit loss provision to net charge-offs | 185.7224% | 1,170 |
| Earnings coverage of net charge-offs (x) | 7.6111% | 2,228 |
| Efficiency ratio | 65.7443% | 2,304 |
| Assets per employee ($millions) | 10.3413% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 2,984 |
| Loan loss allowance to noncurrent loans | 676.0689% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 2,803 |
| Noncurrent loans to loans | 0.1593% | 2,754 |
| Net loans and leases to total assets | 71.2000% | 1,669 |
| Net loans and leases to deposits | 84.6670% | 1,680 |
| Net loans and leases to core deposits | 98.0713% | 1,440 |
| Total domestic deposits to total assets | 84.1000% | 2,749 |
| Equity capital to assets | 10.9025% | 1,385 |
| Core capital (leverage) ratio | 11.7155% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0822% | 1,539 |
| Memoranda: | ||
| Average total assets | $1,266,086,750 | 827 |
| Average earning assets | $1,188,661,500 | 807 |
| Average equity | $152,875,750 | 663 |
| Average total loans | $969,681,500 | 749 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2769% | 1,111 |
| Cost of funding earning assets | 1.7334% | 838 |
| Net interest margin | 3.5435% | 2,165 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.8171% | 1,385 |
| Loan and lease loss provision to assets | 0.3900% | 217 |
| Net operating income to assets | 0.8000% | 3,079 |
| Return on assets (ROA) | 0.7971% | 3,096 |
| Pretax return on assets | 1.0068% | 2,893 |
| Return on Equity (ROE) | 6.3500% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.3495% | 2,495 |
| Net charge-offs to loans | 0.2099% | 385 |
| Credit loss provision to net charge-offs | 233.8399% | 986 |
| Earnings coverage of net charge-offs (x) | 8.4742% | 2,057 |
| Efficiency ratio | 66.5980% | 2,167 |
| Assets per employee ($millions) | 9.1727% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 2,915 |
| Loan loss allowance to noncurrent loans | 584.2023% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 2,517 |
| Noncurrent loans to loans | 0.1899% | 2,517 |
| Net loans and leases to total assets | 76.6900% | 979 |
| Net loans and leases to deposits | 93.6746% | 894 |
| Net loans and leases to core deposits | 114.8450% | 660 |
| Total domestic deposits to total assets | 81.8700% | 3,259 |
| Equity capital to assets | 12.1042% | 1,020 |
| Core capital (leverage) ratio | 12.9202% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4090% | 1,451 |
| Memoranda: | ||
| Average total assets | $1,198,629,667 | 851 |
| Average earning assets | $1,123,011,667 | 832 |
| Average equity | $150,468,333 | 670 |
| Average total loans | $940,587,000 | 751 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2537% | 882 |
| Cost of funding earning assets | 1.5106% | 827 |
| Net interest margin | 3.7431% | 1,804 |
| Noninterest income to average assets | 0.9100% | 670 |
| Noninterest expense to average assets | 2.9912% | 1,075 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.9782% | 2,601 |
| Return on assets (ROA) | 0.9757% | 2,576 |
| Pretax return on assets | 1.2223% | 2,374 |
| Return on Equity (ROE) | 7.6200% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.6175% | 2,329 |
| Net charge-offs to loans | 0.0918% | 624 |
| Credit loss provision to net charge-offs | 268.7500% | 727 |
| Earnings coverage of net charge-offs (x) | 19.5769% | 1,463 |
| Efficiency ratio | 67.5022% | 2,035 |
| Assets per employee ($millions) | 8.6405% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 2,975 |
| Loan loss allowance to noncurrent loans | 508.1927% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 2,305 |
| Noncurrent loans to loans | 0.2195% | 2,379 |
| Net loans and leases to total assets | 77.1900% | 858 |
| Net loans and leases to deposits | 96.2436% | 632 |
| Net loans and leases to core deposits | 114.3736% | 574 |
| Total domestic deposits to total assets | 80.2100% | 3,733 |
| Equity capital to assets | 13.2608% | 702 |
| Core capital (leverage) ratio | 13.3755% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6651% | 1,219 |
| Memoranda: | ||
| Average total assets | $1,146,685,000 | 894 |
| Average earning assets | $1,072,686,000 | 876 |
| Average equity | $146,873,000 | 689 |
| Average total loans | $905,842,000 | 789 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2564% | 1,147 |
| Cost of funding earning assets | 0.3994% | 2,110 |
| Net interest margin | 3.8570% | 1,053 |
| Noninterest income to average assets | 1.1400% | 514 |
| Noninterest expense to average assets | 3.1298% | 799 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.0434% | 2,403 |
| Return on assets (ROA) | 1.0441% | 2,343 |
| Pretax return on assets | 1.3454% | 1,942 |
| Return on Equity (ROE) | 8.0900% | 3,368 |
| Retained earnings to average equity (ytd only) | 8.0945% | 1,792 |
| Net charge-offs to loans | 0.0777% | 867 |
| Credit loss provision to net charge-offs | 446.4580% | 730 |
| Earnings coverage of net charge-offs (x) | 26.9407% | 1,743 |
| Efficiency ratio | 65.5595% | 2,285 |
| Assets per employee ($millions) | 8.6020% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 3,488 |
| Loan loss allowance to noncurrent loans | 660.7116% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 2,698 |
| Noncurrent loans to loans | 0.1477% | 2,769 |
| Net loans and leases to total assets | 79.1900% | 679 |
| Net loans and leases to deposits | 97.9730% | 522 |
| Net loans and leases to core deposits | 110.7103% | 586 |
| Total domestic deposits to total assets | 80.8300% | 3,776 |
| Equity capital to assets | 12.3332% | 840 |
| Core capital (leverage) ratio | 12.4513% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1423% | 1,591 |
| Memoranda: | ||
| Average total assets | $1,014,717,600 | 969 |
| Average earning assets | $946,735,800 | 952 |
| Average equity | $130,891,800 | 745 |
| Average total loans | $781,658,800 | 831 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0172% | 1,236 |
| Cost of funding earning assets | 0.2451% | 2,761 |
| Net interest margin | 3.7722% | 995 |
| Noninterest income to average assets | 1.2600% | 462 |
| Noninterest expense to average assets | 3.1748% | 712 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 1.0457% | 2,298 |
| Return on assets (ROA) | 1.0470% | 2,262 |
| Pretax return on assets | 1.3475% | 1,895 |
| Return on Equity (ROE) | 8.0200% | 3,324 |
| Retained earnings to average equity (ytd only) | 8.0172% | 1,993 |
| Net charge-offs to loans | 0.0363% | 1,137 |
| Credit loss provision to net charge-offs | 919.0244% | 428 |
| Earnings coverage of net charge-offs (x) | 57.8829% | 1,190 |
| Efficiency ratio | 66.0030% | 2,281 |
| Assets per employee ($millions) | 8.3305% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 3,494 |
| Loan loss allowance to noncurrent loans | 716.4797% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 2,849 |
| Noncurrent loans to loans | 0.1393% | 2,933 |
| Net loans and leases to total assets | 79.0800% | 611 |
| Net loans and leases to deposits | 94.0228% | 638 |
| Net loans and leases to core deposits | 98.1876% | 892 |
| Total domestic deposits to total assets | 84.1100% | 3,478 |
| Equity capital to assets | 12.8889% | 692 |
| Core capital (leverage) ratio | 12.7074% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5028% | 1,570 |
| Memoranda: | ||
| Average total assets | $988,833,000 | 999 |
| Average earning assets | $922,135,750 | 982 |
| Average equity | $129,135,500 | 768 |
| Average total loans | $753,492,750 | 854 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7521% | 1,418 |
| Cost of funding earning assets | 0.1990% | 2,925 |
| Net interest margin | 3.5532% | 1,176 |
| Noninterest income to average assets | 1.3655% | 387 |
| Noninterest expense to average assets | 3.2011% | 629 |
| Loan and lease loss provision to assets | 0.2102% | 384 |
| Net operating income to assets | 0.9850% | 2,208 |
| Return on assets (ROA) | 0.9879% | 2,174 |
| Pretax return on assets | 1.2708% | 1,839 |
| Return on Equity (ROE) | 7.5296% | 3,158 |
| Retained earnings to average equity (ytd only) | 7.5296% | 1,803 |
| Net charge-offs to loans | 0.0041% | 1,873 |
| Credit loss provision to net charge-offs | 6,806.6667% | 88 |
| Earnings coverage of net charge-offs (x) | 478.3333% | 268 |
| Efficiency ratio | 67.8857% | 2,259 |
| Assets per employee ($millions) | 8.3852% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,710 |
| Loan loss allowance to noncurrent loans | 1,109.1570% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 3,297 |
| Noncurrent loans to loans | 0.0878% | 3,335 |
| Net loans and leases to total assets | 76.4796% | 684 |
| Net loans and leases to deposits | 91.0699% | 660 |
| Net loans and leases to core deposits | 93.8765% | 922 |
| Total domestic deposits to total assets | 83.9790% | 3,688 |
| Equity capital to assets | 13.0521% | 656 |
| Core capital (leverage) ratio | 12.8764% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2708% | 1,368 |
| Memoranda: | ||
| Average total assets | $971,341,000 | 1,005 |
| Average earning assets | $905,672,333 | 1,001 |
| Average equity | $127,443,000 | 787 |
| Average total loans | $727,403,333 | 863 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6122% | 1,475 |
| Cost of funding earning assets | 0.1923% | 2,908 |
| Net interest margin | 3.4199% | 1,258 |
| Noninterest income to average assets | 1.5879% | 330 |
| Noninterest expense to average assets | 3.2389% | 576 |
| Loan and lease loss provision to assets | 0.1845% | 412 |
| Net operating income to assets | 1.0474% | 1,702 |
| Return on assets (ROA) | 1.0551% | 1,663 |
| Pretax return on assets | 1.3579% | 1,364 |
| Return on Equity (ROE) | 8.0192% | 2,686 |
| Retained earnings to average equity (ytd only) | 8.0192% | 1,580 |
| Net charge-offs to loans | 0.0006% | 1,828 |
| Credit loss provision to net charge-offs | 43,800.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 3,639.0000% | 11 |
| Efficiency ratio | 67.3140% | 2,590 |
| Assets per employee ($millions) | 8.0523% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 3,880 |
| Loan loss allowance to noncurrent loans | 833.7662% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,206 |
| Noncurrent loans to loans | 0.1150% | 3,252 |
| Net loans and leases to total assets | 74.8428% | 589 |
| Net loans and leases to deposits | 87.9148% | 627 |
| Net loans and leases to core deposits | 93.2430% | 765 |
| Total domestic deposits to total assets | 85.1311% | 3,513 |
| Equity capital to assets | 13.4395% | 616 |
| Core capital (leverage) ratio | 13.3675% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2142% | 1,206 |
| Memoranda: | ||
| Average total assets | $949,706,000 | 1,037 |
| Average earning assets | $884,115,500 | 1,032 |
| Average equity | $124,950,500 | 825 |
| Average total loans | $699,304,500 | 879 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 1,999 |
| Cost of funding earning assets | 0.2373% | 3,068 |
| Net interest margin | 3.5047% | 1,718 |
| Noninterest income to average assets | 1.8690% | 350 |
| Noninterest expense to average assets | 4.3112% | 235 |
| Loan and lease loss provision to assets | 0.3611% | 199 |
| Net operating income to assets | 0.5525% | 3,974 |
| Return on assets (ROA) | 0.5530% | 4,024 |
| Pretax return on assets | 0.4626% | 4,308 |
| Return on Equity (ROE) | 3.9106% | 4,234 |
| Retained earnings to average equity (ytd only) | 3.9106% | 3,252 |
| Net charge-offs to loans | 0.0387% | 1,483 |
| Credit loss provision to net charge-offs | 1,246.9565% | 456 |
| Earnings coverage of net charge-offs (x) | 28.4304% | 1,648 |
| Efficiency ratio | 83.1752% | 611 |
| Assets per employee ($millions) | 8.0443% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 3,751 |
| Loan loss allowance to noncurrent loans | 1,060.0000% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 3,492 |
| Noncurrent loans to loans | 0.0944% | 3,451 |
| Net loans and leases to total assets | 70.8809% | 939 |
| Net loans and leases to deposits | 83.2424% | 968 |
| Net loans and leases to core deposits | 88.4166% | 1,049 |
| Total domestic deposits to total assets | 85.1500% | 3,221 |
| Equity capital to assets | 12.8590% | 943 |
| Core capital (leverage) ratio | 12.3909% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7008% | 1,117 |
| Memoranda: | ||
| Average total assets | $794,345,000 | 1,166 |
| Average earning assets | $740,113,600 | 1,165 |
| Average equity | $112,335,800 | 923 |
| Average total loans | $593,847,200 | 1,024 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7637% | 2,111 |
| Cost of funding earning assets | 0.2544% | 3,077 |
| Net interest margin | 3.5094% | 1,839 |
| Noninterest income to average assets | 1.8549% | 382 |
| Noninterest expense to average assets | 3.6281% | 397 |
| Loan and lease loss provision to assets | 0.3498% | 204 |
| Net operating income to assets | 0.8960% | 3,260 |
| Return on assets (ROA) | 0.8970% | 3,330 |
| Pretax return on assets | 1.1506% | 3,076 |
| Return on Equity (ROE) | 6.1726% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.1726% | 2,753 |
| Net charge-offs to loans | 0.0264% | 1,516 |
| Credit loss provision to net charge-offs | 1,752.6316% | 360 |
| Earnings coverage of net charge-offs (x) | 75.1228% | 1,017 |
| Efficiency ratio | 69.9010% | 1,612 |
| Assets per employee ($millions) | 8.0851% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 4,007 |
| Loan loss allowance to noncurrent loans | 800.9550% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 3,542 |
| Noncurrent loans to loans | 0.1186% | 3,500 |
| Net loans and leases to total assets | 69.4550% | 1,135 |
| Net loans and leases to deposits | 82.4017% | 1,082 |
| Net loans and leases to core deposits | 87.9165% | 1,155 |
| Total domestic deposits to total assets | 84.2883% | 3,374 |
| Equity capital to assets | 13.7286% | 798 |
| Core capital (leverage) ratio | 13.5016% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6020% | 734 |
| Memoranda: | ||
| Average total assets | $761,659,000 | 1,218 |
| Average earning assets | $710,235,500 | 1,217 |
| Average equity | $110,680,500 | 948 |
| Average total loans | $576,725,000 | 1,068 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 2,066 |
| Cost of funding earning assets | 0.2795% | 2,985 |
| Net interest margin | 3.5211% | 1,798 |
| Noninterest income to average assets | 1.7135% | 425 |
| Noninterest expense to average assets | 3.6673% | 381 |
| Loan and lease loss provision to assets | 0.4051% | 153 |
| Net operating income to assets | 0.7195% | 3,715 |
| Return on assets (ROA) | 0.7221% | 3,771 |
| Pretax return on assets | 0.9263% | 3,605 |
| Return on Equity (ROE) | 4.8599% | 4,151 |
| Retained earnings to average equity (ytd only) | 4.8599% | 3,238 |
| Net charge-offs to loans | 0.0405% | 1,228 |
| Credit loss provision to net charge-offs | 1,282.4561% | 400 |
| Earnings coverage of net charge-offs (x) | 42.0439% | 1,140 |
| Efficiency ratio | 72.4429% | 1,388 |
| Assets per employee ($millions) | 7.2137% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 4,177 |
| Loan loss allowance to noncurrent loans | 693.7581% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 3,576 |
| Noncurrent loans to loans | 0.1285% | 3,544 |
| Net loans and leases to total assets | 73.3857% | 816 |
| Net loans and leases to deposits | 88.8465% | 724 |
| Net loans and leases to core deposits | 95.7038% | 821 |
| Total domestic deposits to total assets | 82.5983% | 3,792 |
| Equity capital to assets | 14.6279% | 596 |
| Core capital (leverage) ratio | 14.5669% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0918% | 607 |
| Memoranda: | ||
| Average total assets | $721,787,333 | 1,263 |
| Average earning assets | $672,744,000 | 1,270 |
| Average equity | $107,245,000 | 963 |
| Average total loans | $562,980,000 | 1,090 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 1,643 |
| Cost of funding earning assets | 0.3119% | 2,871 |
| Net interest margin | 3.6685% | 1,403 |
| Noninterest income to average assets | 1.4840% | 613 |
| Noninterest expense to average assets | 3.7100% | 365 |
| Loan and lease loss provision to assets | 0.4491% | 157 |
| Net operating income to assets | 0.5766% | 4,002 |
| Return on assets (ROA) | 0.5752% | 4,057 |
| Pretax return on assets | 0.7337% | 3,947 |
| Return on Equity (ROE) | 3.8359% | 4,319 |
| Retained earnings to average equity (ytd only) | 3.8359% | 3,551 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7020% | 1,248 |
| Assets per employee ($millions) | 6.8431% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7836% | 4,437 |
| Loan loss allowance to noncurrent loans | 1,074.4344% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,953 |
| Noncurrent loans to loans | 0.0729% | 3,925 |
| Net loans and leases to total assets | 80.6179% | 302 |
| Net loans and leases to deposits | 102.6611% | 224 |
| Net loans and leases to core deposits | 109.2052% | 437 |
| Total domestic deposits to total assets | 78.5282% | 4,382 |
| Equity capital to assets | 15.5486% | 435 |
| Core capital (leverage) ratio | 16.9694% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5712% | 474 |
| Memoranda: | ||
| Average total assets | $678,714,000 | 1,319 |
| Average earning assets | $630,992,000 | 1,320 |
| Average equity | $101,775,500 | 1,000 |
| Average total loans | $545,348,500 | 1,117 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 2,064 |
| Cost of funding earning assets | 0.6184% | 2,194 |
| Net interest margin | 3.6091% | 2,114 |
| Noninterest income to average assets | 0.8136% | 1,492 |
| Noninterest expense to average assets | 3.7690% | 478 |
| Loan and lease loss provision to assets | 0.4725% | 566 |
| Net operating income to assets | -0.1048% | 4,787 |
| Return on assets (ROA) | 0.0344% | 4,744 |
| Pretax return on assets | 0.0010% | 4,761 |
| Return on Equity (ROE) | 0.2067% | 4,749 |
| Retained earnings to average equity (ytd only) | 0.2067% | 4,455 |
| Net charge-offs to loans | 0.0018% | 3,346 |
| Credit loss provision to net charge-offs | 34,971.4286% | 34 |
| Earnings coverage of net charge-offs (x) | 247.4286% | 405 |
| Efficiency ratio | 89.8339% | 383 |
| Assets per employee ($millions) | 6.8712% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 4,374 |
| Loan loss allowance to noncurrent loans | 794.2231% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 3,919 |
| Noncurrent loans to loans | 0.1036% | 3,878 |
| Net loans and leases to total assets | 78.5953% | 541 |
| Net loans and leases to deposits | 116.6221% | 95 |
| Net loans and leases to core deposits | 127.0313% | 227 |
| Total domestic deposits to total assets | 67.3931% | 4,827 |
| Equity capital to assets | 14.3205% | 727 |
| Core capital (leverage) ratio | 15.3197% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9441% | 773 |
| Memoranda: | ||
| Average total assets | $518,043,800 | 1,495 |
| Average earning assets | $472,201,000 | 1,528 |
| Average equity | $86,101,000 | 1,085 |
| Average total loans | $398,402,800 | 1,365 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9377% | 3,150 |
| Cost of funding earning assets | 0.6968% | 2,041 |
| Net interest margin | 3.2409% | 3,363 |
| Noninterest income to average assets | 0.8132% | 1,441 |
| Noninterest expense to average assets | 3.6713% | 562 |
| Loan and lease loss provision to assets | 0.4227% | 796 |
| Net operating income to assets | -0.2125% | 4,840 |
| Return on assets (ROA) | -0.0628% | 4,815 |
| Pretax return on assets | -0.1488% | 4,828 |
| Return on Equity (ROE) | -0.3624% | 4,808 |
| Retained earnings to average equity (ytd only) | -0.3624% | 4,538 |
| Net charge-offs to loans | 0.0025% | 3,092 |
| Credit loss provision to net charge-offs | 22,400.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 44.7143% | 1,274 |
| Efficiency ratio | 95.3710% | 237 |
| Assets per employee ($millions) | 8.1928% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6046% | 4,714 |
| Loan loss allowance to noncurrent loans | 865.4596% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 4,159 |
| Noncurrent loans to loans | 0.0699% | 4,096 |
| Net loans and leases to total assets | 78.9180% | 722 |
| Net loans and leases to deposits | 130.6345% | 55 |
| Net loans and leases to core deposits | 145.9753% | 134 |
| Total domestic deposits to total assets | 60.4113% | 4,928 |
| Equity capital to assets | 13.3766% | 1,039 |
| Core capital (leverage) ratio | 15.6579% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3217% | 634 |
| Memoranda: | ||
| Average total assets | $494,671,250 | 1,546 |
| Average earning assets | $449,119,750 | 1,574 |
| Average equity | $85,732,500 | 1,085 |
| Average total loans | $376,847,500 | 1,423 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1423% | 2,927 |
| Cost of funding earning assets | 0.8299% | 1,680 |
| Net interest margin | 3.3125% | 3,351 |
| Noninterest income to average assets | 0.6084% | 2,100 |
| Noninterest expense to average assets | 3.9025% | 459 |
| Loan and lease loss provision to assets | 0.4191% | 942 |
| Net operating income to assets | -0.4834% | 4,913 |
| Return on assets (ROA) | -0.2388% | 4,867 |
| Pretax return on assets | -0.4286% | 4,888 |
| Return on Equity (ROE) | -1.2405% | 4,854 |
| Retained earnings to average equity (ytd only) | -1.2405% | 4,512 |
| Net charge-offs to loans | 0.0048% | 2,798 |
| Credit loss provision to net charge-offs | 11,625.0000% | 103 |
| Earnings coverage of net charge-offs (x) | -88.5000% | 3,024 |
| Efficiency ratio | 106.0362% | 133 |
| Assets per employee ($millions) | 7.5515% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5317% | 4,804 |
| Loan loss allowance to noncurrent loans | 441.5027% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 3,977 |
| Noncurrent loans to loans | 0.1204% | 3,969 |
| Net loans and leases to total assets | 78.3862% | 804 |
| Net loans and leases to deposits | 116.7911% | 119 |
| Net loans and leases to core deposits | 132.9743% | 228 |
| Total domestic deposits to total assets | 67.1166% | 4,860 |
| Equity capital to assets | 14.5682% | 718 |
| Core capital (leverage) ratio | 15.0039% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9448% | 454 |
| Memoranda: | ||
| Average total assets | $443,816,667 | 1,672 |
| Average earning assets | $398,617,333 | 1,717 |
| Average equity | $85,450,667 | 1,084 |
| Average total loans | $331,166,000 | 1,552 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 1,733 |
| Cost of funding earning assets | 1.0687% | 1,150 |
| Net interest margin | 3.6236% | 2,592 |
| Noninterest income to average assets | 0.6164% | 1,969 |
| Noninterest expense to average assets | 4.4890% | 307 |
| Loan and lease loss provision to assets | 0.4299% | 704 |
| Net operating income to assets | -0.8376% | 4,973 |
| Return on assets (ROA) | -0.6810% | 4,934 |
| Pretax return on assets | -0.9148% | 4,944 |
| Return on Equity (ROE) | -2.9646% | 4,869 |
| Retained earnings to average equity (ytd only) | -2.9646% | 4,350 |
| Net charge-offs to loans | 0.0136% | 2,112 |
| Credit loss provision to net charge-offs | 4,433.3333% | 186 |
| Earnings coverage of net charge-offs (x) | -70.4444% | 2,563 |
| Efficiency ratio | 114.6376% | 123 |
| Assets per employee ($millions) | 5.4094% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7092% | 4,593 |
| Loan loss allowance to noncurrent loans | 400.8282% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 3,808 |
| Noncurrent loans to loans | 0.1769% | 3,838 |
| Net loans and leases to total assets | 68.6361% | 2,445 |
| Net loans and leases to deposits | 97.6611% | 761 |
| Net loans and leases to core deposits | 113.9536% | 666 |
| Total domestic deposits to total assets | 70.2799% | 4,844 |
| Equity capital to assets | 21.5208% | 189 |
| Core capital (leverage) ratio | 21.2793% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9930% | 443 |
| Memoranda: | ||
| Average total assets | $371,216,500 | 1,886 |
| Average earning assets | $326,750,500 | 1,948 |
| Average equity | $85,271,500 | 1,082 |
| Average total loans | $264,661,000 | 1,782 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 2,445 |
| Cost of funding earning assets | 1.0326% | 1,587 |
| Net interest margin | 3.6252% | 3,058 |
| Noninterest income to average assets | 0.3935% | 3,336 |
| Noninterest expense to average assets | 4.6191% | 272 |
| Loan and lease loss provision to assets | 0.1720% | 1,214 |
| Net operating income to assets | -0.8703% | 5,084 |
| Return on assets (ROA) | -0.8573% | 5,087 |
| Pretax return on assets | -1.1298% | 5,104 |
| Return on Equity (ROE) | -4.2705% | 5,066 |
| Retained earnings to average equity (ytd only) | -4.2705% | 4,955 |
| Net charge-offs to loans | 0.0031% | 3,573 |
| Credit loss provision to net charge-offs | 7,900.0000% | 56 |
| Earnings coverage of net charge-offs (x) | -447.4286% | 3,722 |
| Efficiency ratio | 122.1644% | 74 |
| Assets per employee ($millions) | 5.1873% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6031% | 4,735 |
| Loan loss allowance to noncurrent loans | 237.4808% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 3,471 |
| Noncurrent loans to loans | 0.2539% | 3,538 |
| Net loans and leases to total assets | 73.3154% | 1,874 |
| Net loans and leases to deposits | 105.9885% | 303 |
| Net loans and leases to core deposits | 119.0793% | 501 |
| Total domestic deposits to total assets | 69.1730% | 4,962 |
| Equity capital to assets | 24.6184% | 127 |
| Core capital (leverage) ratio | 23.4656% | 146 |
| Tier 1 risk-based capital ratio | 26.8977% | 619 |
| Total risk-based capital ratio | 27.4391% | 650 |
| Memoranda: | ||
| Average total assets | $321,468,000 | 2,026 |
| Average earning assets | $288,314,400 | 2,095 |
| Average equity | $64,535,200 | 1,306 |
| Average total loans | $227,486,800 | 1,973 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6994% | 2,421 |
| Cost of funding earning assets | 1.0235% | 1,669 |
| Net interest margin | 3.6759% | 3,007 |
| Noninterest income to average assets | 0.3950% | 3,351 |
| Noninterest expense to average assets | 4.5255% | 292 |
| Loan and lease loss provision to assets | 0.0698% | 2,478 |
| Net operating income to assets | -0.6697% | 5,153 |
| Return on assets (ROA) | -0.6536% | 5,156 |
| Pretax return on assets | -0.8623% | 5,162 |
| Return on Equity (ROE) | -3.4728% | 5,142 |
| Retained earnings to average equity (ytd only) | -3.4728% | 5,010 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.2064% | 86 |
| Assets per employee ($millions) | 4.8516% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5043% | 4,966 |
| Loan loss allowance to noncurrent loans | 208.0357% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 3,633 |
| Noncurrent loans to loans | 0.2424% | 3,674 |
| Net loans and leases to total assets | 69.6772% | 2,522 |
| Net loans and leases to deposits | 101.3232% | 540 |
| Net loans and leases to core deposits | 112.8933% | 803 |
| Total domestic deposits to total assets | 68.7673% | 5,041 |
| Equity capital to assets | 26.2656% | 112 |
| Core capital (leverage) ratio | 24.0566% | 138 |
| Tier 1 risk-based capital ratio | 30.7771% | 458 |
| Total risk-based capital ratio | 31.2342% | 475 |
| Memoranda: | ||
| Average total assets | $314,947,750 | 2,082 |
| Average earning assets | $284,257,500 | 2,136 |
| Average equity | $59,278,750 | 1,388 |
| Average total loans | $220,270,250 | 2,038 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 2,431 |
| Cost of funding earning assets | 1.0162% | 1,621 |
| Net interest margin | 3.6611% | 3,068 |
| Noninterest income to average assets | 0.3768% | 3,424 |
| Noninterest expense to average assets | 3.9540% | 569 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.1729% | 5,142 |
| Return on assets (ROA) | -0.1729% | 5,145 |
| Pretax return on assets | -0.2342% | 5,155 |
| Return on Equity (ROE) | -1.0687% | 5,142 |
| Retained earnings to average equity (ytd only) | -1.0687% | 4,832 |
| Net charge-offs to loans | 0.0092% | 2,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -36.3000% | 3,160 |
| Efficiency ratio | 101.4224% | 149 |
| Assets per employee ($millions) | 4.9232% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4637% | 5,059 |
| Loan loss allowance to noncurrent loans | 92.0074% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 3,305 |
| Noncurrent loans to loans | 0.5040% | 2,767 |
| Net loans and leases to total assets | 60.7971% | 3,672 |
| Net loans and leases to deposits | 83.7095% | 2,522 |
| Net loans and leases to core deposits | 92.1566% | 2,402 |
| Total domestic deposits to total assets | 72.6287% | 4,932 |
| Equity capital to assets | 25.0632% | 125 |
| Core capital (leverage) ratio | 23.8170% | 138 |
| Tier 1 risk-based capital ratio | 35.0975% | 336 |
| Total risk-based capital ratio | 35.5352% | 353 |
| Memoranda: | ||
| Average total assets | $309,961,330 | 2,119 |
| Average earning assets | $283,028,000 | 2,148 |
| Average equity | $50,154,330 | 1,588 |
| Average total loans | $216,682,000 | 2,068 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 2,110 |
| Cost of funding earning assets | 0.9586% | 1,753 |
| Net interest margin | 3.7726% | 2,622 |
| Noninterest income to average assets | 0.3736% | 3,360 |
| Noninterest expense to average assets | 3.4559% | 1,031 |
| Loan and lease loss provision to assets | -0.0317% | 5,241 |
| Net operating income to assets | 0.3129% | 4,877 |
| Return on assets (ROA) | 0.3129% | 4,886 |
| Pretax return on assets | 0.3998% | 4,839 |
| Return on Equity (ROE) | 2.8892% | 4,809 |
| Retained earnings to average equity (ytd only) | 2.8892% | 3,781 |
| Net charge-offs to loans | 0.0037% | 2,596 |
| Credit loss provision to net charge-offs | -1,150.0000% | 3,953 |
| Earnings coverage of net charge-offs (x) | 133.5000% | 550 |
| Efficiency ratio | 85.1839% | 633 |
| Assets per employee ($millions) | 5.0786% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4395% | 5,137 |
| Loan loss allowance to noncurrent loans | 74.2574% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 2,893 |
| Noncurrent loans to loans | 0.5919% | 2,565 |
| Net loans and leases to total assets | 71.2927% | 2,286 |
| Net loans and leases to deposits | 80.3252% | 2,799 |
| Net loans and leases to core deposits | 87.8600% | 2,702 |
| Total domestic deposits to total assets | 88.7550% | 978 |
| Equity capital to assets | 10.1849% | 3,638 |
| Core capital (leverage) ratio | 8.3319% | 5,093 |
| Tier 1 risk-based capital ratio | 10.7074% | 5,108 |
| Total risk-based capital ratio | 11.1546% | 5,258 |
| Memoranda: | ||
| Average total assets | $290,168,000 | 2,250 |
| Average earning assets | $265,386,500 | 2,278 |
| Average equity | $31,427,500 | 2,337 |
| Average total loans | $218,270,500 | 2,075 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8036% | 1,539 |
| Cost of funding earning assets | 0.6304% | 2,519 |
| Net interest margin | 4.1732% | 1,472 |
| Noninterest income to average assets | 0.9235% | 1,119 |
| Noninterest expense to average assets | 3.8595% | 634 |
| Loan and lease loss provision to assets | 0.3603% | 415 |
| Net operating income to assets | 0.3438% | 4,955 |
| Return on assets (ROA) | 0.3438% | 4,950 |
| Pretax return on assets | 0.4354% | 4,898 |
| Return on Equity (ROE) | 2.7207% | 4,958 |
| Retained earnings to average equity (ytd only) | 2.7207% | 4,042 |
| Net charge-offs to loans | -0.0051% | 4,357 |
| Credit loss provision to net charge-offs | -8,955.5556% | 4,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7428% | 1,260 |
| Assets per employee ($millions) | 6.0121% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4658% | 5,162 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 3,672 |
| Noncurrent loans to loans | 0.2911% | 3,518 |
| Net loans and leases to total assets | 78.9916% | 1,095 |
| Net loans and leases to deposits | 90.2944% | 1,756 |
| Net loans and leases to core deposits | 99.4259% | 1,763 |
| Total domestic deposits to total assets | 87.4823% | 1,547 |
| Equity capital to assets | 11.5704% | 2,201 |
| Core capital (leverage) ratio | 9.4239% | 4,204 |
| Tier 1 risk-based capital ratio | 11.0736% | 4,939 |
| Total risk-based capital ratio | 11.5529% | 5,158 |
| Memoranda: | ||
| Average total assets | $223,708,600 | 2,662 |
| Average earning assets | $200,037,600 | 2,720 |
| Average equity | $28,264,800 | 2,444 |
| Average total loans | $177,655,800 | 2,351 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8147% | 1,387 |
| Cost of funding earning assets | 0.5560% | 2,826 |
| Net interest margin | 4.2588% | 1,216 |
| Noninterest income to average assets | 1.0773% | 813 |
| Noninterest expense to average assets | 3.7182% | 743 |
| Loan and lease loss provision to assets | 0.2547% | 616 |
| Net operating income to assets | 0.6937% | 4,242 |
| Return on assets (ROA) | 0.6937% | 4,251 |
| Pretax return on assets | 0.8912% | 4,050 |
| Return on Equity (ROE) | 5.3467% | 4,464 |
| Retained earnings to average equity (ytd only) | 5.3467% | 3,034 |
| Net charge-offs to loans | -0.0079% | 4,333 |
| Credit loss provision to net charge-offs | -4,050.0000% | 4,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0931% | 2,174 |
| Assets per employee ($millions) | 4.5647% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3469% | 5,330 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 3,110 |
| Noncurrent loans to loans | 0.3469% | 3,408 |
| Net loans and leases to total assets | 78.6547% | 1,224 |
| Net loans and leases to deposits | 95.5215% | 1,205 |
| Net loans and leases to core deposits | 106.4584% | 1,273 |
| Total domestic deposits to total assets | 82.3424% | 3,511 |
| Equity capital to assets | 12.7682% | 1,436 |
| Core capital (leverage) ratio | 9.4373% | 4,244 |
| Tier 1 risk-based capital ratio | 11.8623% | 4,576 |
| Total risk-based capital ratio | 12.2229% | 4,946 |
| Memoranda: | ||
| Average total assets | $211,999,750 | 2,775 |
| Average earning assets | $188,500,750 | 2,864 |
| Average equity | $27,505,250 | 2,489 |
| Average total loans | $168,393,000 | 2,467 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7531% | 1,374 |
| Cost of funding earning assets | 0.4887% | 3,101 |
| Net interest margin | 4.2644% | 1,124 |
| Noninterest income to average assets | 1.1153% | 767 |
| Noninterest expense to average assets | 3.6741% | 792 |
| Loan and lease loss provision to assets | 0.3501% | 373 |
| Net operating income to assets | 0.6841% | 4,241 |
| Return on assets (ROA) | 0.6841% | 4,247 |
| Pretax return on assets | 0.8787% | 4,030 |
| Return on Equity (ROE) | 5.2435% | 4,476 |
| Retained earnings to average equity (ytd only) | 5.2435% | 2,959 |
| Net charge-offs to loans | -0.0036% | 4,039 |
| Credit loss provision to net charge-offs | -12,233.3333% | 4,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4374% | 2,570 |
| Assets per employee ($millions) | 4.7347% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3173% | 5,409 |
| Loan loss allowance to noncurrent loans | 62.2896% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 2,990 |
| Noncurrent loans to loans | 0.5093% | 2,888 |
| Net loans and leases to total assets | 80.0657% | 1,009 |
| Net loans and leases to deposits | 103.1743% | 577 |
| Net loans and leases to core deposits | 114.7887% | 757 |
| Total domestic deposits to total assets | 77.6023% | 4,651 |
| Equity capital to assets | 12.6881% | 1,446 |
| Core capital (leverage) ratio | 9.4742% | 4,142 |
| Tier 1 risk-based capital ratio | 11.7237% | 4,673 |
| Total risk-based capital ratio | 12.0620% | 5,039 |
| Memoranda: | ||
| Average total assets | $209,630,670 | 2,811 |
| Average earning assets | $186,194,670 | 2,904 |
| Average equity | $27,348,330 | 2,511 |
| Average total loans | $166,878,000 | 2,490 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6120% | 1,533 |
| Cost of funding earning assets | 0.3863% | 3,685 |
| Net interest margin | 4.2257% | 1,110 |
| Noninterest income to average assets | 1.4186% | 470 |
| Noninterest expense to average assets | 3.6332% | 832 |
| Loan and lease loss provision to assets | 0.4009% | 282 |
| Net operating income to assets | 0.8738% | 3,400 |
| Return on assets (ROA) | 0.8738% | 3,417 |
| Pretax return on assets | 1.1306% | 3,048 |
| Return on Equity (ROE) | 6.6016% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.6016% | 2,454 |
| Net charge-offs to loans | -0.0098% | 4,238 |
| Credit loss provision to net charge-offs | -5,150.0000% | 4,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9412% | 3,490 |
| Assets per employee ($millions) | 4.5981% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2377% | 5,511 |
| Loan loss allowance to noncurrent loans | 54.8476% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 3,366 |
| Noncurrent loans to loans | 0.4333% | 3,233 |
| Net loans and leases to total assets | 78.5886% | 1,145 |
| Net loans and leases to deposits | 104.2823% | 467 |
| Net loans and leases to core deposits | 115.7161% | 735 |
| Total domestic deposits to total assets | 75.3613% | 5,034 |
| Equity capital to assets | 12.9524% | 1,272 |
| Core capital (leverage) ratio | 9.8819% | 3,672 |
| Tier 1 risk-based capital ratio | 11.9346% | 4,583 |
| Total risk-based capital ratio | 12.1854% | 5,075 |
| Memoranda: | ||
| Average total assets | $205,548,500 | 2,882 |
| Average earning assets | $182,219,500 | 2,973 |
| Average equity | $27,205,500 | 2,539 |
| Average total loans | $162,850,000 | 2,544 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5555% | 5,626 |
| Cost of funding earning assets | 0.0935% | 5,518 |
| Net interest margin | 1.4620% | 5,616 |
| Noninterest income to average assets | 0.1867% | 5,024 |
| Noninterest expense to average assets | 1.2645% | 5,568 |
| Loan and lease loss provision to assets | 0.0683% | 2,836 |
| Net operating income to assets | 0.0584% | 5,297 |
| Return on assets (ROA) | 0.0584% | 5,305 |
| Pretax return on assets | 0.1727% | 5,335 |
| Return on Equity (ROE) | 0.5402% | 5,303 |
| Retained earnings to average equity (ytd only) | 0.5402% | 4,820 |
| Net charge-offs to loans | -0.0348% | 5,093 |
| Credit loss provision to net charge-offs | -249.0566% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8159% | 1,645 |
| Assets per employee ($millions) | 5.2522% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1163% | 5,599 |
| Loan loss allowance to noncurrent loans | 16.6817% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 2,693 |
| Noncurrent loans to loans | 0.6971% | 2,461 |
| Net loans and leases to total assets | 79.6126% | 1,017 |
| Net loans and leases to deposits | 98.7367% | 845 |
| Net loans and leases to core deposits | 109.2288% | 1,052 |
| Total domestic deposits to total assets | 80.6312% | 4,213 |
| Equity capital to assets | 13.5357% | 1,047 |
| Core capital (leverage) ratio | 10.0387% | 3,409 |
| Tier 1 risk-based capital ratio | 13.1060% | 3,846 |
| Total risk-based capital ratio | 13.2348% | 4,422 |
| Memoranda: | ||
| Average total assets | $193,361,400 | 2,981 |
| Average earning assets | $174,414,600 | 3,016 |
| Average equity | $20,919,800 | 3,039 |
| Average total loans | $152,474,000 | 2,630 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5311% | 5,732 |
| Cost of funding earning assets | 0.0276% | 5,701 |
| Net interest margin | 0.5035% | 5,730 |
| Noninterest income to average assets | 0.0744% | 5,547 |
| Noninterest expense to average assets | 0.3816% | 5,727 |
| Loan and lease loss provision to assets | 0.0021% | 4,063 |
| Net operating income to assets | 0.0938% | 5,452 |
| Return on assets (ROA) | 0.0938% | 5,464 |
| Pretax return on assets | 0.1467% | 5,424 |
| Return on Equity (ROE) | 0.9280% | 5,441 |
| Retained earnings to average equity (ytd only) | 0.9280% | 4,996 |
| Net charge-offs to loans | -0.0009% | 4,262 |
| Credit loss provision to net charge-offs | -300.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0891% | 3,531 |
| Assets per employee ($millions) | 4.2494% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0027% | 5,686 |
| Loan loss allowance to noncurrent loans | 0.4391% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 0.4561% | 3,207 |
| Noncurrent loans to loans | 0.6208% | 2,849 |
| Net loans and leases to total assets | 73.4683% | 2,008 |
| Net loans and leases to deposits | 85.9379% | 2,303 |
| Net loans and leases to core deposits | 94.6860% | 2,205 |
| Total domestic deposits to total assets | 85.4899% | 2,519 |
| Equity capital to assets | 13.5372% | 1,141 |
| Core capital (leverage) ratio | 9.7066% | 3,926 |
| Tier 1 risk-based capital ratio | 13.2262% | 3,865 |
| Total risk-based capital ratio | 13.2291% | 4,517 |
| Memoranda: | ||
| Average total assets | $191,805,750 | 3,026 |
| Average earning assets | $173,712,250 | 3,055 |
| Average equity | $19,396,000 | 3,234 |
| Average total loans | $150,822,750 | 2,663 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 1,753 |
| Cost of funding earning assets | 0.3710% | 3,372 |
| Net interest margin | 4.0495% | 1,461 |
| Noninterest income to average assets | 0.7031% | 1,977 |
| Noninterest expense to average assets | 3.6730% | 802 |
| Loan and lease loss provision to assets | -0.1512% | 5,687 |
| Net operating income to assets | 0.5005% | 4,704 |
| Return on assets (ROA) | 0.5181% | 4,692 |
| Pretax return on assets | 0.9251% | 3,845 |
| Return on Equity (ROE) | 5.8164% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.8164% | 2,222 |
| Net charge-offs to loans | 0.0749% | 1,869 |
| Credit loss provision to net charge-offs | -250.8772% | 4,518 |
| Earnings coverage of net charge-offs (x) | 12.3860% | 2,197 |
| Efficiency ratio | 82.3445% | 974 |
| Assets per employee ($millions) | 4.1069% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 3,446 |
| Loan loss allowance to noncurrent loans | 148.1865% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 2,725 |
| Noncurrent loans to loans | 0.7588% | 2,495 |
| Net loans and leases to total assets | 78.1751% | 1,222 |
| Net loans and leases to deposits | 86.5463% | 2,159 |
| Net loans and leases to core deposits | 94.6045% | 2,102 |
| Total domestic deposits to total assets | 90.3276% | 416 |
| Equity capital to assets | 8.8829% | 5,011 |
| Core capital (leverage) ratio | 8.8922% | 4,852 |
| Tier 1 risk-based capital ratio | 11.5490% | 4,923 |
| Total risk-based capital ratio | 12.7230% | 4,873 |
| Memoranda: | ||
| Average total assets | $189,166,670 | 3,064 |
| Average earning assets | $173,601,000 | 3,062 |
| Average equity | $16,849,000 | 3,552 |
| Average total loans | $152,184,670 | 2,658 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 1,463 |
| Cost of funding earning assets | 0.3728% | 3,278 |
| Net interest margin | 4.0893% | 1,234 |
| Noninterest income to average assets | 0.6623% | 2,130 |
| Noninterest expense to average assets | 3.7086% | 770 |
| Loan and lease loss provision to assets | -0.2521% | 5,808 |
| Net operating income to assets | 0.6537% | 3,916 |
| Return on assets (ROA) | 0.6537% | 3,952 |
| Pretax return on assets | 0.9549% | 3,567 |
| Return on Equity (ROE) | 7.3291% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.3291% | 1,728 |
| Net charge-offs to loans | -0.2474% | 5,658 |
| Credit loss provision to net charge-offs | 125.5319% | 1,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2930% | 1,036 |
| Assets per employee ($millions) | 4.0246% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 2,965 |
| Loan loss allowance to noncurrent loans | 115.0152% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8697% | 2,132 |
| Noncurrent loans to loans | 1.0663% | 1,923 |
| Net loans and leases to total assets | 80.5567% | 760 |
| Net loans and leases to deposits | 89.2749% | 1,637 |
| Net loans and leases to core deposits | 98.7230% | 1,604 |
| Total domestic deposits to total assets | 90.2345% | 566 |
| Equity capital to assets | 8.9276% | 4,878 |
| Core capital (leverage) ratio | 8.9826% | 4,759 |
| Tier 1 risk-based capital ratio | 11.4047% | 5,088 |
| Total risk-based capital ratio | 12.6551% | 4,984 |
| Memoranda: | ||
| Average total assets | $187,238,500 | 3,114 |
| Average earning assets | $171,665,500 | 3,112 |
| Average equity | $16,700,500 | 3,584 |
| Average total loans | $151,971,000 | 2,672 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4322% | 1,741 |
| Cost of funding earning assets | 0.3285% | 3,764 |
| Net interest margin | 4.1036% | 1,372 |
| Noninterest income to average assets | 0.7119% | 2,123 |
| Noninterest expense to average assets | 3.5468% | 1,090 |
| Loan and lease loss provision to assets | 0.1318% | 1,893 |
| Net operating income to assets | 0.5556% | 4,412 |
| Return on assets (ROA) | 0.5669% | 4,463 |
| Pretax return on assets | 0.8326% | 4,081 |
| Return on Equity (ROE) | 6.3257% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.3257% | 1,548 |
| Net charge-offs to loans | 0.0386% | 3,256 |
| Credit loss provision to net charge-offs | 425.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 30.5714% | 1,417 |
| Efficiency ratio | 78.1377% | 1,676 |
| Assets per employee ($millions) | 3.9430% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,654 |
| Loan loss allowance to noncurrent loans | 115.8404% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.8925% | 2,125 |
| Noncurrent loans to loans | 1.1051% | 1,875 |
| Net loans and leases to total assets | 79.7299% | 928 |
| Net loans and leases to deposits | 88.3487% | 1,880 |
| Net loans and leases to core deposits | 98.8831% | 1,718 |
| Total domestic deposits to total assets | 90.2445% | 541 |
| Equity capital to assets | 8.9110% | 4,897 |
| Core capital (leverage) ratio | 8.7170% | 5,058 |
| Tier 1 risk-based capital ratio | 11.3276% | 5,156 |
| Total risk-based capital ratio | 12.5783% | 5,057 |
| Memoranda: | ||
| Average total assets | $180,640,200 | 3,159 |
| Average earning assets | $166,510,400 | 3,156 |
| Average equity | $16,188,000 | 3,668 |
| Average total loans | $145,224,200 | 2,712 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4223% | 1,788 |
| Cost of funding earning assets | 0.3105% | 3,969 |
| Net interest margin | 4.1118% | 1,364 |
| Noninterest income to average assets | 0.6753% | 2,286 |
| Noninterest expense to average assets | 3.4077% | 1,328 |
| Loan and lease loss provision to assets | 0.2452% | 779 |
| Net operating income to assets | 0.5554% | 4,473 |
| Return on assets (ROA) | 0.5706% | 4,515 |
| Pretax return on assets | 0.8417% | 4,182 |
| Return on Equity (ROE) | 6.3575% | 3,900 |
| Retained earnings to average equity (ytd only) | 6.3575% | 1,982 |
| Net charge-offs to loans | 0.0546% | 2,582 |
| Credit loss provision to net charge-offs | 559.3220% | 646 |
| Earnings coverage of net charge-offs (x) | 24.2896% | 1,682 |
| Efficiency ratio | 75.3987% | 2,049 |
| Assets per employee ($millions) | 4.1428% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 2,454 |
| Loan loss allowance to noncurrent loans | 116.5020% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.9031% | 2,298 |
| Noncurrent loans to loans | 1.1557% | 1,939 |
| Net loans and leases to total assets | 77.0914% | 1,343 |
| Net loans and leases to deposits | 85.1462% | 2,348 |
| Net loans and leases to core deposits | 94.8034% | 2,122 |
| Total domestic deposits to total assets | 90.5400% | 311 |
| Equity capital to assets | 8.6745% | 5,418 |
| Core capital (leverage) ratio | 8.5285% | 5,338 |
| Tier 1 risk-based capital ratio | 11.2407% | 5,234 |
| Total risk-based capital ratio | 12.4924% | 5,132 |
| Memoranda: | ||
| Average total assets | $179,469,750 | 3,183 |
| Average earning assets | $165,731,000 | 3,181 |
| Average equity | $16,106,500 | 3,709 |
| Average total loans | $144,112,000 | 2,718 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 1,747 |
| Cost of funding earning assets | 0.2955% | 4,187 |
| Net interest margin | 4.1330% | 1,284 |
| Noninterest income to average assets | 0.6793% | 2,238 |
| Noninterest expense to average assets | 3.3897% | 1,395 |
| Loan and lease loss provision to assets | 0.2389% | 828 |
| Net operating income to assets | 0.6008% | 4,264 |
| Return on assets (ROA) | 0.6008% | 4,387 |
| Pretax return on assets | 0.8705% | 4,048 |
| Return on Equity (ROE) | 6.6145% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.6145% | 1,803 |
| Net charge-offs to loans | 0.1010% | 1,821 |
| Credit loss provision to net charge-offs | 291.6667% | 985 |
| Earnings coverage of net charge-offs (x) | 13.5417% | 2,121 |
| Efficiency ratio | 74.5321% | 2,285 |
| Assets per employee ($millions) | 3.9255% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,989 |
| Loan loss allowance to noncurrent loans | 125.2843% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8103% | 2,563 |
| Noncurrent loans to loans | 1.0097% | 2,268 |
| Net loans and leases to total assets | 79.2344% | 1,029 |
| Net loans and leases to deposits | 87.6819% | 2,038 |
| Net loans and leases to core deposits | 100.1892% | 1,621 |
| Total domestic deposits to total assets | 90.3657% | 362 |
| Equity capital to assets | 8.8766% | 5,331 |
| Core capital (leverage) ratio | 8.8834% | 4,958 |
| Tier 1 risk-based capital ratio | 9.6222% | 5,929 |
| Total risk-based capital ratio | 10.7612% | 5,927 |
| Memoranda: | ||
| Average total assets | $175,769,670 | 3,245 |
| Average earning assets | $162,446,670 | 3,237 |
| Average equity | $15,965,000 | 3,738 |
| Average total loans | $142,510,000 | 2,743 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4652% | 1,608 |
| Cost of funding earning assets | 0.2957% | 4,207 |
| Net interest margin | 4.1695% | 1,174 |
| Noninterest income to average assets | 0.6651% | 2,194 |
| Noninterest expense to average assets | 3.5005% | 1,180 |
| Loan and lease loss provision to assets | 0.2100% | 924 |
| Net operating income to assets | 0.5624% | 4,356 |
| Return on assets (ROA) | 0.5624% | 4,461 |
| Pretax return on assets | 0.8051% | 4,179 |
| Return on Equity (ROE) | 6.1171% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.1171% | 2,325 |
| Net charge-offs to loans | 0.1288% | 1,332 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 1,972 |
| Efficiency ratio | 76.6925% | 2,083 |
| Assets per employee ($millions) | 3.6957% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 3,125 |
| Loan loss allowance to noncurrent loans | 101.7735% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 2,193 |
| Noncurrent loans to loans | 1.2363% | 1,952 |
| Net loans and leases to total assets | 80.3756% | 761 |
| Net loans and leases to deposits | 89.2111% | 1,675 |
| Net loans and leases to core deposits | 101.7573% | 1,357 |
| Total domestic deposits to total assets | 90.0960% | 564 |
| Equity capital to assets | 9.1832% | 5,002 |
| Core capital (leverage) ratio | 8.9948% | 4,864 |
| Tier 1 risk-based capital ratio | 9.8076% | 5,947 |
| Total risk-based capital ratio | 10.9327% | 5,946 |
| Memoranda: | ||
| Average total assets | $171,406,000 | 3,308 |
| Average earning assets | $158,291,500 | 3,302 |
| Average equity | $15,759,000 | 3,771 |
| Average total loans | $139,736,000 | 2,791 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5775% | 1,393 |
| Cost of funding earning assets | 0.2691% | 4,596 |
| Net interest margin | 4.3084% | 949 |
| Noninterest income to average assets | 0.8524% | 1,599 |
| Noninterest expense to average assets | 3.4467% | 1,393 |
| Loan and lease loss provision to assets | 0.3041% | 564 |
| Net operating income to assets | 0.7302% | 3,672 |
| Return on assets (ROA) | 0.7319% | 3,758 |
| Pretax return on assets | 1.0833% | 3,140 |
| Return on Equity (ROE) | 8.6240% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.6240% | 749 |
| Net charge-offs to loans | 0.2104% | 1,397 |
| Credit loss provision to net charge-offs | 181.8868% | 1,497 |
| Earnings coverage of net charge-offs (x) | 8.2830% | 2,972 |
| Efficiency ratio | 70.5145% | 3,144 |
| Assets per employee ($millions) | 3.6764% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 3,132 |
| Loan loss allowance to noncurrent loans | 97.2518% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.0573% | 2,073 |
| Noncurrent loans to loans | 1.2913% | 1,823 |
| Net loans and leases to total assets | 80.6250% | 756 |
| Net loans and leases to deposits | 91.9841% | 1,402 |
| Net loans and leases to core deposits | 103.7016% | 1,241 |
| Total domestic deposits to total assets | 87.6510% | 1,816 |
| Equity capital to assets | 9.2050% | 4,900 |
| Core capital (leverage) ratio | 9.0095% | 4,874 |
| Tier 1 risk-based capital ratio | 9.9453% | 5,963 |
| Total risk-based capital ratio | 11.0773% | 5,952 |
| Memoranda: | ||
| Average total assets | $158,498,400 | 3,450 |
| Average earning assets | $146,389,200 | 3,453 |
| Average equity | $13,450,800 | 4,055 |
| Average total loans | $125,945,800 | 2,957 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5687% | 1,416 |
| Cost of funding earning assets | 0.2660% | 4,708 |
| Net interest margin | 4.3026% | 953 |
| Noninterest income to average assets | 0.9086% | 1,428 |
| Noninterest expense to average assets | 3.5231% | 1,245 |
| Loan and lease loss provision to assets | 0.2926% | 510 |
| Net operating income to assets | 0.7164% | 3,839 |
| Return on assets (ROA) | 0.7186% | 3,928 |
| Pretax return on assets | 1.0677% | 3,340 |
| Return on Equity (ROE) | 8.6673% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.6673% | 1,017 |
| Net charge-offs to loans | -0.0217% | 5,231 |
| Credit loss provision to net charge-offs | -1,710.0000% | 5,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3534% | 2,987 |
| Assets per employee ($millions) | 3.8181% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 2,589 |
| Loan loss allowance to noncurrent loans | 83.0681% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.3808% | 1,669 |
| Noncurrent loans to loans | 1.6867% | 1,442 |
| Net loans and leases to total assets | 80.5414% | 742 |
| Net loans and leases to deposits | 92.4816% | 1,358 |
| Net loans and leases to core deposits | 104.2831% | 1,212 |
| Total domestic deposits to total assets | 87.0891% | 1,991 |
| Equity capital to assets | 8.1819% | 5,883 |
| Core capital (leverage) ratio | 8.0761% | 5,860 |
| Tier 1 risk-based capital ratio | 8.6559% | 6,205 |
| Total risk-based capital ratio | 9.8962% | 6,204 |
| Memoranda: | ||
| Average total assets | $155,844,250 | 3,517 |
| Average earning assets | $143,846,000 | 3,524 |
| Average equity | $12,921,750 | 4,197 |
| Average total loans | $122,911,500 | 3,031 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 1,319 |
| Cost of funding earning assets | 0.2684% | 4,735 |
| Net interest margin | 4.3157% | 891 |
| Noninterest income to average assets | 0.7069% | 2,185 |
| Noninterest expense to average assets | 3.5187% | 1,271 |
| Loan and lease loss provision to assets | 0.2522% | 691 |
| Net operating income to assets | 0.6365% | 4,190 |
| Return on assets (ROA) | 0.6520% | 4,225 |
| Pretax return on assets | 0.9290% | 3,851 |
| Return on Equity (ROE) | 7.8266% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.8266% | 1,333 |
| Net charge-offs to loans | -0.0151% | 5,065 |
| Credit loss provision to net charge-offs | -2,144.4444% | 5,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3296% | 2,640 |
| Assets per employee ($millions) | 3.6759% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 2,876 |
| Loan loss allowance to noncurrent loans | 191.4254% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.7946% | 3,001 |
| Noncurrent loans to loans | 0.7182% | 3,334 |
| Net loans and leases to total assets | 78.0179% | 1,066 |
| Net loans and leases to deposits | 87.3117% | 1,907 |
| Net loans and leases to core deposits | 98.6031% | 1,603 |
| Total domestic deposits to total assets | 89.3556% | 973 |
| Equity capital to assets | 8.1720% | 5,900 |
| Core capital (leverage) ratio | 8.0896% | 5,876 |
| Tier 1 risk-based capital ratio | 9.0124% | 6,257 |
| Total risk-based capital ratio | 10.2291% | 6,241 |
| Memoranda: | ||
| Average total assets | $153,066,000 | 3,579 |
| Average earning assets | $140,834,330 | 3,585 |
| Average equity | $12,751,330 | 4,251 |
| Average total loans | $119,178,330 | 3,095 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 1,268 |
| Cost of funding earning assets | 0.2746% | 4,731 |
| Net interest margin | 4.3065% | 866 |
| Noninterest income to average assets | 0.6748% | 2,277 |
| Noninterest expense to average assets | 3.4935% | 1,327 |
| Loan and lease loss provision to assets | 0.1700% | 1,167 |
| Net operating income to assets | 0.6879% | 3,858 |
| Return on assets (ROA) | 0.7199% | 3,825 |
| Pretax return on assets | 1.0148% | 3,435 |
| Return on Equity (ROE) | 8.5567% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.5567% | 1,356 |
| Net charge-offs to loans | 0.0138% | 2,902 |
| Credit loss provision to net charge-offs | 1,600.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 107.2500% | 468 |
| Efficiency ratio | 74.4839% | 2,735 |
| Assets per employee ($millions) | 3.8493% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 3,294 |
| Loan loss allowance to noncurrent loans | 288.2998% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5878% | 3,717 |
| Noncurrent loans to loans | 0.4588% | 4,207 |
| Net loans and leases to total assets | 76.4168% | 1,155 |
| Net loans and leases to deposits | 84.1877% | 2,045 |
| Net loans and leases to core deposits | 94.8060% | 1,707 |
| Total domestic deposits to total assets | 90.7696% | 448 |
| Equity capital to assets | 8.3425% | 5,845 |
| Core capital (leverage) ratio | 8.2185% | 5,795 |
| Tier 1 risk-based capital ratio | 9.2255% | 6,297 |
| Total risk-based capital ratio | 10.3927% | 6,295 |
| Memoranda: | ||
| Average total assets | $150,566,500 | 3,644 |
| Average earning assets | $138,396,000 | 3,646 |
| Average equity | $12,668,500 | 4,293 |
| Average total loans | $116,248,500 | 3,159 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5953% | 1,569 |
| Cost of funding earning assets | 0.3641% | 4,096 |
| Net interest margin | 4.2312% | 1,216 |
| Noninterest income to average assets | 0.9070% | 1,479 |
| Noninterest expense to average assets | 3.5907% | 1,329 |
| Loan and lease loss provision to assets | 0.1683% | 1,552 |
| Net operating income to assets | 0.6946% | 3,922 |
| Return on assets (ROA) | 0.7126% | 3,932 |
| Pretax return on assets | 1.0689% | 3,210 |
| Return on Equity (ROE) | 8.7828% | 2,689 |
| Retained earnings to average equity (ytd only) | 8.7828% | 750 |
| Net charge-offs to loans | 0.1723% | 2,306 |
| Credit loss provision to net charge-offs | 128.6486% | 1,858 |
| Earnings coverage of net charge-offs (x) | 9.2541% | 2,773 |
| Efficiency ratio | 74.4809% | 2,754 |
| Assets per employee ($millions) | 3.5039% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 3,238 |
| Loan loss allowance to noncurrent loans | 183.2126% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 3,189 |
| Noncurrent loans to loans | 0.7311% | 3,493 |
| Net loans and leases to total assets | 75.9321% | 1,277 |
| Net loans and leases to deposits | 86.8232% | 1,866 |
| Net loans and leases to core deposits | 99.2371% | 1,442 |
| Total domestic deposits to total assets | 87.4561% | 2,056 |
| Equity capital to assets | 8.4885% | 5,764 |
| Core capital (leverage) ratio | 8.3014% | 5,777 |
| Tier 1 risk-based capital ratio | 11.1739% | 5,832 |
| Total risk-based capital ratio | 12.4248% | 5,768 |
| Memoranda: | ||
| Average total assets | $141,448,600 | 3,770 |
| Average earning assets | $130,175,600 | 3,770 |
| Average equity | $11,477,000 | 4,462 |
| Average total loans | $107,383,400 | 3,280 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 1,605 |
| Cost of funding earning assets | 0.3755% | 4,068 |
| Net interest margin | 4.2082% | 1,262 |
| Noninterest income to average assets | 0.9446% | 1,377 |
| Noninterest expense to average assets | 3.4851% | 1,492 |
| Loan and lease loss provision to assets | 0.2266% | 991 |
| Net operating income to assets | 0.7053% | 3,916 |
| Return on assets (ROA) | 0.7284% | 3,895 |
| Pretax return on assets | 1.1427% | 3,023 |
| Return on Equity (ROE) | 9.0880% | 2,634 |
| Retained earnings to average equity (ytd only) | 9.0880% | 962 |
| Net charge-offs to loans | 0.0680% | 3,228 |
| Credit loss provision to net charge-offs | 440.7407% | 642 |
| Earnings coverage of net charge-offs (x) | 25.9253% | 1,495 |
| Efficiency ratio | 72.3320% | 3,122 |
| Assets per employee ($millions) | 3.7736% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 2,853 |
| Loan loss allowance to noncurrent loans | 130.7937% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8937% | 3,204 |
| Noncurrent loans to loans | 1.1240% | 2,810 |
| Net loans and leases to total assets | 73.1730% | 1,653 |
| Net loans and leases to deposits | 83.9274% | 2,159 |
| Net loans and leases to core deposits | 96.0160% | 1,673 |
| Total domestic deposits to total assets | 87.1861% | 2,212 |
| Equity capital to assets | 8.0327% | 6,115 |
| Core capital (leverage) ratio | 8.2696% | 5,868 |
| Tier 1 risk-based capital ratio | 11.1661% | 5,928 |
| Total risk-based capital ratio | 12.7916% | 5,697 |
| Memoranda: | ||
| Average total assets | $140,020,000 | 3,828 |
| Average earning assets | $128,887,500 | 3,808 |
| Average equity | $11,223,250 | 4,546 |
| Average total loans | $105,914,000 | 3,335 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 1,379 |
| Cost of funding earning assets | 0.3886% | 4,008 |
| Net interest margin | 4.2686% | 1,096 |
| Noninterest income to average assets | 0.9664% | 1,292 |
| Noninterest expense to average assets | 3.4434% | 1,587 |
| Loan and lease loss provision to assets | 0.1994% | 1,209 |
| Net operating income to assets | 0.8144% | 3,259 |
| Return on assets (ROA) | 0.8506% | 3,170 |
| Pretax return on assets | 1.3096% | 2,219 |
| Return on Equity (ROE) | 10.6201% | 1,886 |
| Retained earnings to average equity (ytd only) | 10.6201% | 595 |
| Net charge-offs to loans | 0.0250% | 3,698 |
| Credit loss provision to net charge-offs | 1,046.1538% | 315 |
| Earnings coverage of net charge-offs (x) | 76.2308% | 693 |
| Efficiency ratio | 70.3205% | 3,606 |
| Assets per employee ($millions) | 3.8979% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 2,902 |
| Loan loss allowance to noncurrent loans | 123.2143% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.0709% | 2,928 |
| Noncurrent loans to loans | 1.2166% | 2,801 |
| Net loans and leases to total assets | 76.4367% | 1,111 |
| Net loans and leases to deposits | 91.6337% | 1,198 |
| Net loans and leases to core deposits | 106.7195% | 855 |
| Total domestic deposits to total assets | 83.4154% | 4,144 |
| Equity capital to assets | 8.3524% | 5,913 |
| Core capital (leverage) ratio | 8.1410% | 5,991 |
| Tier 1 risk-based capital ratio | 11.2052% | 5,952 |
| Total risk-based capital ratio | 12.8572% | 5,692 |
| Memoranda: | ||
| Average total assets | $136,378,330 | 3,912 |
| Average earning assets | $125,568,330 | 3,899 |
| Average equity | $10,922,670 | 4,623 |
| Average total loans | $103,852,330 | 3,380 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6413% | 1,397 |
| Cost of funding earning assets | 0.3820% | 4,175 |
| Net interest margin | 4.2593% | 1,082 |
| Noninterest income to average assets | 0.6688% | 2,351 |
| Noninterest expense to average assets | 3.3560% | 1,811 |
| Loan and lease loss provision to assets | 0.1995% | 1,169 |
| Net operating income to assets | 0.6600% | 3,890 |
| Return on assets (ROA) | 0.6600% | 3,985 |
| Pretax return on assets | 1.0385% | 3,175 |
| Return on Equity (ROE) | 8.4218% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.4218% | 1,448 |
| Net charge-offs to loans | -0.1517% | 6,294 |
| Credit loss provision to net charge-offs | -174.3590% | 4,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0524% | 3,307 |
| Assets per employee ($millions) | 4.0872% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 3,133 |
| Loan loss allowance to noncurrent loans | 108.8704% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.1089% | 3,039 |
| Noncurrent loans to loans | 1.3805% | 2,720 |
| Net loans and leases to total assets | 74.0877% | 1,250 |
| Net loans and leases to deposits | 93.1560% | 862 |
| Net loans and leases to core deposits | 106.4772% | 738 |
| Total domestic deposits to total assets | 79.5308% | 5,591 |
| Equity capital to assets | 7.8401% | 6,152 |
| Core capital (leverage) ratio | 7.9167% | 6,169 |
| Tier 1 risk-based capital ratio | 10.7907% | 6,246 |
| Total risk-based capital ratio | 12.8281% | 5,822 |
| Memoranda: | ||
| Average total assets | $136,353,500 | 3,946 |
| Average earning assets | $125,653,500 | 3,934 |
| Average equity | $10,686,500 | 4,689 |
| Average total loans | $102,844,500 | 3,412 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8299% | 1,256 |
| Cost of funding earning assets | 0.4309% | 4,311 |
| Net interest margin | 4.3990% | 912 |
| Noninterest income to average assets | 0.7184% | 2,442 |
| Noninterest expense to average assets | 3.5198% | 1,610 |
| Loan and lease loss provision to assets | 0.1300% | 2,687 |
| Net operating income to assets | 0.6916% | 3,833 |
| Return on assets (ROA) | 0.6916% | 3,931 |
| Pretax return on assets | 1.1004% | 2,945 |
| Return on Equity (ROE) | 7.2617% | 3,429 |
| Retained earnings to average equity (ytd only) | 6.6132% | 1,613 |
| Net charge-offs to loans | 0.5209% | 1,270 |
| Credit loss provision to net charge-offs | 33.7553% | 4,169 |
| Earnings coverage of net charge-offs (x) | 3.1941% | 3,929 |
| Efficiency ratio | 74.0975% | 3,117 |
| Assets per employee ($millions) | 3.9336% | 3,993 |
| Cash dividends to net income (ytd only)* | 8.9307% | 4,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 3,433 |
| Loan loss allowance to noncurrent loans | 121.0918% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.9788% | 3,461 |
| Noncurrent loans to loans | 1.1951% | 3,153 |
| Net loans and leases to total assets | 74.5450% | 1,279 |
| Net loans and leases to deposits | 95.2016% | 784 |
| Net loans and leases to core deposits | 107.0433% | 741 |
| Total domestic deposits to total assets | 78.3023% | 5,778 |
| Equity capital to assets | 7.8345% | 6,126 |
| Core capital (leverage) ratio | 8.0331% | 6,107 |
| Tier 1 risk-based capital ratio | 10.9547% | 6,192 |
| Total risk-based capital ratio | 13.0361% | 5,680 |
| Memoranda: | ||
| Average total assets | $123,046,400 | 4,213 |
| Average earning assets | $112,776,600 | 4,205 |
| Average equity | $11,719,000 | 4,505 |
| Average total loans | $90,989,800 | 3,669 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8454% | 1,249 |
| Cost of funding earning assets | 0.4492% | 4,284 |
| Net interest margin | 4.3962% | 901 |
| Noninterest income to average assets | 0.7687% | 2,286 |
| Noninterest expense to average assets | 3.4636% | 1,689 |
| Loan and lease loss provision to assets | 0.1772% | 2,051 |
| Net operating income to assets | 0.7443% | 3,629 |
| Return on assets (ROA) | 0.7443% | 3,751 |
| Pretax return on assets | 1.1497% | 2,894 |
| Return on Equity (ROE) | 7.4483% | 3,410 |
| Retained earnings to average equity (ytd only) | 6.6946% | 2,037 |
| Net charge-offs to loans | 0.2306% | 2,419 |
| Credit loss provision to net charge-offs | 104.5752% | 2,239 |
| Earnings coverage of net charge-offs (x) | 7.8302% | 2,722 |
| Efficiency ratio | 72.3006% | 3,350 |
| Assets per employee ($millions) | 3.7584% | 4,326 |
| Cash dividends to net income (ytd only)* | 10.1185% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9080% | 1,982 |
| Loan loss allowance to noncurrent loans | 125.8815% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.2271% | 3,183 |
| Noncurrent loans to loans | 1.5157% | 2,894 |
| Net loans and leases to total assets | 71.8130% | 1,624 |
| Net loans and leases to deposits | 91.5537% | 1,018 |
| Net loans and leases to core deposits | 103.1345% | 923 |
| Total domestic deposits to total assets | 78.4382% | 5,837 |
| Equity capital to assets | 9.4658% | 4,597 |
| Core capital (leverage) ratio | 9.6790% | 4,131 |
| Tier 1 risk-based capital ratio | 13.2496% | 4,941 |
| Total risk-based capital ratio | 15.3872% | 4,275 |
| Memoranda: | ||
| Average total assets | $120,372,500 | 4,315 |
| Average earning assets | $110,123,000 | 4,298 |
| Average equity | $12,029,250 | 4,487 |
| Average total loans | $88,446,750 | 3,749 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 1,165 |
| Cost of funding earning assets | 0.4895% | 3,992 |
| Net interest margin | 4.3833% | 877 |
| Noninterest income to average assets | 0.7718% | 2,316 |
| Noninterest expense to average assets | 3.4554% | 1,707 |
| Loan and lease loss provision to assets | 0.1357% | 2,631 |
| Net operating income to assets | 0.7718% | 3,454 |
| Return on assets (ROA) | 0.7718% | 3,608 |
| Pretax return on assets | 1.1908% | 2,715 |
| Return on Equity (ROE) | 7.5789% | 3,304 |
| Retained earnings to average equity (ytd only) | 6.8127% | 1,973 |
| Net charge-offs to loans | 0.2490% | 2,238 |
| Credit loss provision to net charge-offs | 74.0741% | 2,741 |
| Earnings coverage of net charge-offs (x) | 7.2407% | 2,575 |
| Efficiency ratio | 72.2597% | 3,426 |
| Assets per employee ($millions) | 3.5733% | 4,697 |
| Cash dividends to net income (ytd only)* | 10.1099% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9895% | 1,876 |
| Loan loss allowance to noncurrent loans | 117.3709% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 1.3672% | 3,052 |
| Noncurrent loans to loans | 1.6950% | 2,772 |
| Net loans and leases to total assets | 70.9633% | 1,726 |
| Net loans and leases to deposits | 88.1804% | 1,320 |
| Net loans and leases to core deposits | 99.4704% | 1,119 |
| Total domestic deposits to total assets | 80.4751% | 5,486 |
| Equity capital to assets | 9.8229% | 4,158 |
| Core capital (leverage) ratio | 9.8794% | 3,672 |
| Tier 1 risk-based capital ratio | 13.3984% | 4,837 |
| Total risk-based capital ratio | 15.5640% | 4,170 |
| Memoranda: | ||
| Average total assets | $117,901,330 | 4,393 |
| Average earning assets | $107,863,330 | 4,387 |
| Average equity | $12,007,000 | 4,533 |
| Average total loans | $86,745,000 | 3,802 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9257% | 1,016 |
| Cost of funding earning assets | 0.5068% | 4,017 |
| Net interest margin | 4.4189% | 780 |
| Noninterest income to average assets | 0.7614% | 2,287 |
| Noninterest expense to average assets | 3.4141% | 1,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8785% | 2,761 |
| Return on assets (ROA) | 0.8785% | 2,909 |
| Pretax return on assets | 1.4022% | 1,845 |
| Return on Equity (ROE) | 8.4693% | 2,734 |
| Retained earnings to average equity (ytd only) | 7.7054% | 1,855 |
| Net charge-offs to loans | 0.3065% | 1,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 2,263 |
| Efficiency ratio | 70.8870% | 3,810 |
| Assets per employee ($millions) | 3.6943% | 4,570 |
| Cash dividends to net income (ytd only)* | 9.0196% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9576% | 2,149 |
| Loan loss allowance to noncurrent loans | 149.2589% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 1.1141% | 3,709 |
| Noncurrent loans to loans | 1.3115% | 3,594 |
| Net loans and leases to total assets | 72.5293% | 1,278 |
| Net loans and leases to deposits | 92.4173% | 770 |
| Net loans and leases to core deposits | 101.6129% | 850 |
| Total domestic deposits to total assets | 78.4803% | 6,052 |
| Equity capital to assets | 10.2244% | 3,879 |
| Core capital (leverage) ratio | 9.9647% | 3,432 |
| Tier 1 risk-based capital ratio | 13.3203% | 4,995 |
| Total risk-based capital ratio | 15.9514% | 4,006 |
| Memoranda: | ||
| Average total assets | $116,106,500 | 4,480 |
| Average earning assets | $106,543,500 | 4,461 |
| Average equity | $12,043,500 | 4,565 |
| Average total loans | $86,135,500 | 3,837 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1661% | 1,179 |
| Cost of funding earning assets | 0.6525% | 3,896 |
| Net interest margin | 4.5135% | 919 |
| Noninterest income to average assets | 0.6753% | 2,853 |
| Noninterest expense to average assets | 3.4389% | 1,968 |
| Loan and lease loss provision to assets | 0.5454% | 1,052 |
| Net operating income to assets | 0.5243% | 4,582 |
| Return on assets (ROA) | 0.5740% | 4,620 |
| Pretax return on assets | 0.8684% | 4,032 |
| Return on Equity (ROE) | 5.1856% | 4,600 |
| Retained earnings to average equity (ytd only) | 3.8872% | 3,459 |
| Net charge-offs to loans | 1.0771% | 987 |
| Credit loss provision to net charge-offs | 68.9278% | 4,208 |
| Earnings coverage of net charge-offs (x) | 1.6915% | 4,589 |
| Efficiency ratio | 71.9826% | 3,420 |
| Assets per employee ($millions) | 3.5624% | 4,875 |
| Cash dividends to net income (ytd only)* | 25.0377% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0963% | 1,781 |
| Loan loss allowance to noncurrent loans | 686.4865% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 5,526 |
| Noncurrent loans to loans | 0.3054% | 5,716 |
| Net loans and leases to total assets | 72.8438% | 1,366 |
| Net loans and leases to deposits | 89.3325% | 1,133 |
| Net loans and leases to core deposits | 99.1925% | 1,069 |
| Total domestic deposits to total assets | 81.5423% | 5,248 |
| Equity capital to assets | 10.5267% | 3,497 |
| Core capital (leverage) ratio | 9.8769% | 3,575 |
| Tier 1 risk-based capital ratio | 13.4863% | 4,756 |
| Total risk-based capital ratio | 16.1574% | 3,722 |
| Memoranda: | ||
| Average total assets | $115,503,400 | 4,452 |
| Average earning assets | $104,973,200 | 4,470 |
| Average equity | $12,785,400 | 4,407 |
| Average total loans | $84,859,000 | 3,880 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1956% | 1,205 |
| Cost of funding earning assets | 0.6837% | 3,910 |
| Net interest margin | 4.5119% | 967 |
| Noninterest income to average assets | 0.5845% | 3,384 |
| Noninterest expense to average assets | 3.3689% | 2,088 |
| Loan and lease loss provision to assets | 0.6167% | 870 |
| Net operating income to assets | 0.4599% | 4,997 |
| Return on assets (ROA) | 0.5270% | 4,992 |
| Pretax return on assets | 0.7916% | 4,522 |
| Return on Equity (ROE) | 4.7039% | 4,961 |
| Retained earnings to average equity (ytd only) | 3.4099% | 4,465 |
| Net charge-offs to loans | 0.8955% | 1,221 |
| Credit loss provision to net charge-offs | 94.0351% | 3,173 |
| Earnings coverage of net charge-offs (x) | 1.9947% | 4,268 |
| Efficiency ratio | 72.0295% | 3,326 |
| Assets per employee ($millions) | 3.6092% | 4,737 |
| Cash dividends to net income (ytd only)* | 27.5117% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4344% | 1,296 |
| Loan loss allowance to noncurrent loans | 203.0030% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 1.3620% | 3,575 |
| Noncurrent loans to loans | 1.1992% | 4,051 |
| Net loans and leases to total assets | 70.3742% | 1,838 |
| Net loans and leases to deposits | 88.8197% | 1,268 |
| Net loans and leases to core deposits | 99.7741% | 1,137 |
| Total domestic deposits to total assets | 79.2327% | 5,816 |
| Equity capital to assets | 11.4560% | 2,796 |
| Core capital (leverage) ratio | 10.7685% | 2,637 |
| Tier 1 risk-based capital ratio | 14.9480% | 3,882 |
| Total risk-based capital ratio | 17.6490% | 3,027 |
| Memoranda: | ||
| Average total assets | $115,880,250 | 4,487 |
| Average earning assets | $105,112,250 | 4,511 |
| Average equity | $12,981,750 | 4,399 |
| Average total loans | $84,869,500 | 3,926 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2074% | 1,228 |
| Cost of funding earning assets | 0.7130% | 3,914 |
| Net interest margin | 4.4945% | 1,002 |
| Noninterest income to average assets | 0.5086% | 3,869 |
| Noninterest expense to average assets | 3.2480% | 2,443 |
| Loan and lease loss provision to assets | 0.5775% | 1,049 |
| Net operating income to assets | 0.4921% | 4,852 |
| Return on assets (ROA) | 0.5896% | 4,673 |
| Pretax return on assets | 0.9086% | 4,042 |
| Return on Equity (ROE) | 5.3029% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.0004% | 3,947 |
| Net charge-offs to loans | 1.4147% | 720 |
| Credit loss provision to net charge-offs | 55.4636% | 3,913 |
| Earnings coverage of net charge-offs (x) | 1.2831% | 4,365 |
| Efficiency ratio | 70.8537% | 3,626 |
| Assets per employee ($millions) | 3.8456% | 4,208 |
| Cash dividends to net income (ytd only)* | 24.5614% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1082% | 1,978 |
| Loan loss allowance to noncurrent loans | 117.1130% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 1.6399% | 3,267 |
| Noncurrent loans to loans | 1.8002% | 3,216 |
| Net loans and leases to total assets | 69.8363% | 1,946 |
| Net loans and leases to deposits | 88.5926% | 1,305 |
| Net loans and leases to core deposits | 101.2367% | 1,025 |
| Total domestic deposits to total assets | 78.8287% | 5,988 |
| Equity capital to assets | 10.9392% | 3,180 |
| Core capital (leverage) ratio | 10.6611% | 2,649 |
| Tier 1 risk-based capital ratio | 14.7310% | 3,945 |
| Total risk-based capital ratio | 17.4040% | 3,054 |
| Memoranda: | ||
| Average total assets | $116,009,000 | 4,505 |
| Average earning assets | $105,196,330 | 4,529 |
| Average equity | $12,898,670 | 4,413 |
| Average total loans | $85,390,670 | 3,930 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3499% | 1,008 |
| Cost of funding earning assets | 0.7455% | 3,898 |
| Net interest margin | 4.6044% | 818 |
| Noninterest income to average assets | 0.4231% | 4,496 |
| Noninterest expense to average assets | 3.2655% | 2,399 |
| Loan and lease loss provision to assets | 0.4685% | 1,310 |
| Net operating income to assets | 0.5419% | 4,639 |
| Return on assets (ROA) | 0.5419% | 4,851 |
| Pretax return on assets | 0.8566% | 4,203 |
| Return on Equity (ROE) | 4.8334% | 4,862 |
| Retained earnings to average equity (ytd only) | 3.5237% | 4,468 |
| Net charge-offs to loans | 0.3085% | 2,424 |
| Credit loss provision to net charge-offs | 203.0303% | 1,324 |
| Earnings coverage of net charge-offs (x) | 5.7424% | 2,305 |
| Efficiency ratio | 71.1348% | 3,596 |
| Assets per employee ($millions) | 3.8418% | 4,339 |
| Cash dividends to net income (ytd only)* | 27.0968% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4867% | 1,377 |
| Loan loss allowance to noncurrent loans | 179.1421% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 1.4073% | 3,758 |
| Noncurrent loans to loans | 1.3881% | 4,030 |
| Net loans and leases to total assets | 72.4704% | 1,322 |
| Net loans and leases to deposits | 92.1462% | 785 |
| Net loans and leases to core deposits | 105.1767% | 710 |
| Total domestic deposits to total assets | 78.6472% | 6,158 |
| Equity capital to assets | 11.1935% | 2,718 |
| Core capital (leverage) ratio | 10.2967% | 2,997 |
| Tier 1 risk-based capital ratio | 13.6107% | 4,745 |
| Total risk-based capital ratio | 16.7476% | 3,426 |
| Memoranda: | ||
| Average total assets | $114,407,000 | 4,586 |
| Average earning assets | $103,553,000 | 4,615 |
| Average equity | $12,827,500 | 4,432 |
| Average total loans | $85,562,500 | 3,952 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3493% | 1,566 |
| Cost of funding earning assets | 0.9335% | 3,844 |
| Net interest margin | 4.4158% | 1,357 |
| Noninterest income to average assets | 0.5725% | 3,349 |
| Noninterest expense to average assets | 3.2664% | 2,630 |
| Loan and lease loss provision to assets | 0.8384% | 1,162 |
| Net operating income to assets | 0.4534% | 4,623 |
| Return on assets (ROA) | 0.5124% | 4,578 |
| Pretax return on assets | 0.5217% | 4,927 |
| Return on Equity (ROE) | 4.9734% | 4,399 |
| Retained earnings to average equity (ytd only) | 3.6006% | 3,654 |
| Net charge-offs to loans | 1.2551% | 1,329 |
| Credit loss provision to net charge-offs | 91.6667% | 3,938 |
| Earnings coverage of net charge-offs (x) | 1.4213% | 4,704 |
| Efficiency ratio | 71.5319% | 3,681 |
| Assets per employee ($millions) | 3.7853% | 4,354 |
| Cash dividends to net income (ytd only)* | 27.6033% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4125% | 1,448 |
| Loan loss allowance to noncurrent loans | 231.9460% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 1.6775% | 3,436 |
| Noncurrent loans to loans | 1.0401% | 4,628 |
| Net loans and leases to total assets | 73.4484% | 1,365 |
| Net loans and leases to deposits | 95.5801% | 698 |
| Net loans and leases to core deposits | 110.8353% | 595 |
| Total domestic deposits to total assets | 76.8448% | 6,358 |
| Equity capital to assets | 11.2311% | 2,759 |
| Core capital (leverage) ratio | 10.2614% | 3,013 |
| Tier 1 risk-based capital ratio | 13.4070% | 4,765 |
| Total risk-based capital ratio | 16.5357% | 3,419 |
| Memoranda: | ||
| Average total assets | $118,079,600 | 4,458 |
| Average earning assets | $106,798,200 | 4,483 |
| Average equity | $12,164,600 | 4,517 |
| Average total loans | $86,050,600 | 3,965 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3661% | 1,618 |
| Cost of funding earning assets | 0.9655% | 3,925 |
| Net interest margin | 4.4005% | 1,406 |
| Noninterest income to average assets | 0.6476% | 2,900 |
| Noninterest expense to average assets | 3.2424% | 2,686 |
| Loan and lease loss provision to assets | 0.9059% | 986 |
| Net operating income to assets | 0.4529% | 4,759 |
| Return on assets (ROA) | 0.4720% | 4,865 |
| Pretax return on assets | 0.4955% | 5,176 |
| Return on Equity (ROE) | 4.6820% | 4,676 |
| Retained earnings to average equity (ytd only) | 3.2841% | 4,379 |
| Net charge-offs to loans | 1.5530% | 920 |
| Credit loss provision to net charge-offs | 80.6773% | 4,120 |
| Earnings coverage of net charge-offs (x) | 1.2301% | 4,696 |
| Efficiency ratio | 70.1258% | 3,942 |
| Assets per employee ($millions) | 3.7858% | 4,336 |
| Cash dividends to net income (ytd only)* | 29.8587% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3272% | 1,645 |
| Loan loss allowance to noncurrent loans | 289.3648% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 1.6615% | 3,592 |
| Noncurrent loans to loans | 0.8042% | 5,264 |
| Net loans and leases to total assets | 72.3927% | 1,629 |
| Net loans and leases to deposits | 90.9825% | 1,111 |
| Net loans and leases to core deposits | 105.7383% | 885 |
| Total domestic deposits to total assets | 79.5677% | 5,853 |
| Equity capital to assets | 11.1054% | 3,044 |
| Core capital (leverage) ratio | 10.0282% | 3,395 |
| Tier 1 risk-based capital ratio | 13.4069% | 4,800 |
| Total risk-based capital ratio | 16.5204% | 3,473 |
| Memoranda: | ||
| Average total assets | $119,209,500 | 4,454 |
| Average earning assets | $107,711,250 | 4,485 |
| Average equity | $12,017,250 | 4,567 |
| Average total loans | $86,195,750 | 4,002 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3131% | 1,845 |
| Cost of funding earning assets | 0.9975% | 3,967 |
| Net interest margin | 4.3157% | 1,608 |
| Noninterest income to average assets | 0.6689% | 2,720 |
| Noninterest expense to average assets | 3.1630% | 3,036 |
| Loan and lease loss provision to assets | 0.8919% | 1,005 |
| Net operating income to assets | 0.5351% | 4,351 |
| Return on assets (ROA) | 0.5649% | 4,364 |
| Pretax return on assets | 0.5599% | 4,880 |
| Return on Equity (ROE) | 5.7875% | 4,066 |
| Retained earnings to average equity (ytd only) | 4.3660% | 3,414 |
| Net charge-offs to loans | 1.2939% | 1,191 |
| Credit loss provision to net charge-offs | 96.0854% | 3,273 |
| Earnings coverage of net charge-offs (x) | 1.5320% | 4,143 |
| Efficiency ratio | 68.9841% | 4,332 |
| Assets per employee ($millions) | 3.9223% | 3,943 |
| Cash dividends to net income (ytd only)* | 24.5614% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5083% | 1,435 |
| Loan loss allowance to noncurrent loans | 117.4105% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 2.4934% | 2,675 |
| Noncurrent loans to loans | 2.1363% | 3,302 |
| Net loans and leases to total assets | 70.3901% | 2,137 |
| Net loans and leases to deposits | 87.5070% | 1,573 |
| Net loans and leases to core deposits | 104.2583% | 1,028 |
| Total domestic deposits to total assets | 80.4394% | 5,694 |
| Equity capital to assets | 10.5830% | 3,401 |
| Core capital (leverage) ratio | 9.5919% | 3,815 |
| Tier 1 risk-based capital ratio | 13.2806% | 4,705 |
| Total risk-based capital ratio | 16.4055% | 3,381 |
| Memoranda: | ||
| Average total assets | $121,087,670 | 4,420 |
| Average earning assets | $109,878,670 | 4,450 |
| Average equity | $11,818,670 | 4,604 |
| Average total loans | $86,868,000 | 4,023 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 1,907 |
| Cost of funding earning assets | 1.0330% | 3,970 |
| Net interest margin | 4.2539% | 1,734 |
| Noninterest income to average assets | 0.5766% | 3,329 |
| Noninterest expense to average assets | 3.0946% | 3,266 |
| Loan and lease loss provision to assets | 0.8795% | 925 |
| Net operating income to assets | 0.4691% | 4,625 |
| Return on assets (ROA) | 0.4691% | 4,706 |
| Pretax return on assets | 0.4658% | 5,136 |
| Return on Equity (ROE) | 5.0080% | 4,402 |
| Retained earnings to average equity (ytd only) | 3.5474% | 4,060 |
| Net charge-offs to loans | 1.4074% | 974 |
| Credit loss provision to net charge-offs | 87.3786% | 2,985 |
| Earnings coverage of net charge-offs (x) | 1.3366% | 3,679 |
| Efficiency ratio | 69.6992% | 4,335 |
| Assets per employee ($millions) | 4.0595% | 3,717 |
| Cash dividends to net income (ytd only)* | 29.1667% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4514% | 1,530 |
| Loan loss allowance to noncurrent loans | 108.6331% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 2.4453% | 2,779 |
| Noncurrent loans to loans | 2.2566% | 3,247 |
| Net loans and leases to total assets | 69.0742% | 2,309 |
| Net loans and leases to deposits | 86.1015% | 1,714 |
| Net loans and leases to core deposits | 106.6063% | 911 |
| Total domestic deposits to total assets | 80.2242% | 5,881 |
| Equity capital to assets | 9.4889% | 4,451 |
| Core capital (leverage) ratio | 8.6296% | 5,208 |
| Tier 1 risk-based capital ratio | 11.7329% | 5,911 |
| Total risk-based capital ratio | 15.2190% | 4,069 |
| Memoranda: | ||
| Average total assets | $122,796,500 | 4,396 |
| Average earning assets | $111,522,500 | 4,416 |
| Average equity | $11,501,500 | 4,668 |
| Average total loans | $87,822,500 | 4,022 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5052% | 2,263 |
| Cost of funding earning assets | 1.2007% | 4,561 |
| Net interest margin | 4.3045% | 1,807 |
| Noninterest income to average assets | 0.5581% | 3,765 |
| Noninterest expense to average assets | 3.1266% | 3,361 |
| Loan and lease loss provision to assets | 0.9037% | 1,810 |
| Net operating income to assets | 0.4384% | 4,372 |
| Return on assets (ROA) | 0.5137% | 4,188 |
| Pretax return on assets | 0.5137% | 4,571 |
| Return on Equity (ROE) | 6.1392% | 3,554 |
| Retained earnings to average equity (ytd only) | 4.5570% | 2,686 |
| Net charge-offs to loans | 1.1786% | 1,890 |
| Credit loss provision to net charge-offs | 103.3545% | 4,358 |
| Earnings coverage of net charge-offs (x) | 1.5349% | 4,595 |
| Efficiency ratio | 69.9663% | 4,190 |
| Assets per employee ($millions) | 4.1269% | 3,517 |
| Cash dividends to net income (ytd only)* | 25.7716% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4080% | 1,537 |
| Loan loss allowance to noncurrent loans | 198.2505% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 1.7915% | 3,633 |
| Noncurrent loans to loans | 1.2146% | 4,702 |
| Net loans and leases to total assets | 70.4769% | 2,415 |
| Net loans and leases to deposits | 87.3521% | 1,887 |
| Net loans and leases to core deposits | 115.0376% | 675 |
| Total domestic deposits to total assets | 80.6814% | 5,626 |
| Equity capital to assets | 9.2458% | 4,763 |
| Core capital (leverage) ratio | 8.5493% | 5,276 |
| Tier 1 risk-based capital ratio | 11.2897% | 6,099 |
| Total risk-based capital ratio | 14.7172% | 4,201 |
| Memoranda: | ||
| Average total assets | $126,145,400 | 4,349 |
| Average earning assets | $114,601,600 | 4,357 |
| Average equity | $10,555,200 | 4,971 |
| Average total loans | $93,588,800 | 3,965 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4981% | 2,437 |
| Cost of funding earning assets | 1.2360% | 4,649 |
| Net interest margin | 4.2621% | 1,982 |
| Noninterest income to average assets | 0.5576% | 3,722 |
| Noninterest expense to average assets | 2.8922% | 4,127 |
| Loan and lease loss provision to assets | 1.0416% | 1,420 |
| Net operating income to assets | 0.4913% | 4,353 |
| Return on assets (ROA) | 0.5913% | 4,077 |
| Pretax return on assets | 0.5913% | 4,628 |
| Return on Equity (ROE) | 7.2521% | 3,227 |
| Retained earnings to average equity (ytd only) | 5.6263% | 2,575 |
| Net charge-offs to loans | 1.4484% | 1,404 |
| Credit loss provision to net charge-offs | 96.3035% | 4,504 |
| Earnings coverage of net charge-offs (x) | 1.4173% | 4,665 |
| Efficiency ratio | 65.3590% | 4,987 |
| Assets per employee ($millions) | 4.0932% | 3,650 |
| Cash dividends to net income (ytd only)* | 22.4206% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2873% | 1,647 |
| Loan loss allowance to noncurrent loans | 162.9804% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 2.1939% | 3,214 |
| Noncurrent loans to loans | 1.4034% | 4,512 |
| Net loans and leases to total assets | 72.2937% | 2,192 |
| Net loans and leases to deposits | 89.1832% | 1,838 |
| Net loans and leases to core deposits | 120.7057% | 586 |
| Total domestic deposits to total assets | 81.0619% | 5,342 |
| Equity capital to assets | 8.4214% | 6,366 |
| Core capital (leverage) ratio | 7.9664% | 6,393 |
| Tier 1 risk-based capital ratio | 10.7228% | 6,620 |
| Total risk-based capital ratio | 14.1185% | 4,668 |
| Memoranda: | ||
| Average total assets | $126,729,750 | 4,399 |
| Average earning assets | $114,994,500 | 4,404 |
| Average equity | $10,332,250 | 5,102 |
| Average total loans | $94,633,750 | 4,006 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4226% | 2,876 |
| Cost of funding earning assets | 1.2430% | 4,878 |
| Net interest margin | 4.1795% | 2,223 |
| Noninterest income to average assets | 0.5795% | 3,484 |
| Noninterest expense to average assets | 2.8600% | 4,230 |
| Loan and lease loss provision to assets | 1.0309% | 1,414 |
| Net operating income to assets | 0.4858% | 4,392 |
| Return on assets (ROA) | 0.6467% | 3,795 |
| Pretax return on assets | 0.6467% | 4,412 |
| Return on Equity (ROE) | 8.0160% | 2,880 |
| Retained earnings to average equity (ytd only) | 6.3896% | 2,125 |
| Net charge-offs to loans | 1.9271% | 953 |
| Credit loss provision to net charge-offs | 71.4286% | 4,927 |
| Earnings coverage of net charge-offs (x) | 1.0509% | 4,742 |
| Efficiency ratio | 65.3462% | 5,094 |
| Assets per employee ($millions) | 4.1790% | 3,429 |
| Cash dividends to net income (ytd only)* | 20.2899% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9824% | 2,226 |
| Loan loss allowance to noncurrent loans | 115.1025% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 2.4360% | 2,953 |
| Noncurrent loans to loans | 1.7223% | 4,107 |
| Net loans and leases to total assets | 73.0390% | 2,158 |
| Net loans and leases to deposits | 89.7216% | 1,909 |
| Net loans and leases to core deposits | 126.0153% | 511 |
| Total domestic deposits to total assets | 81.4062% | 5,239 |
| Equity capital to assets | 8.3680% | 6,331 |
| Core capital (leverage) ratio | 8.1392% | 6,051 |
| Tier 1 risk-based capital ratio | 10.5341% | 6,658 |
| Total risk-based capital ratio | 13.8431% | 4,747 |
| Memoranda: | ||
| Average total assets | $128,041,330 | 4,404 |
| Average earning assets | $116,329,000 | 4,409 |
| Average equity | $10,329,330 | 5,110 |
| Average total loans | $95,894,670 | 4,017 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3770% | 3,156 |
| Cost of funding earning assets | 1.2251% | 5,256 |
| Net interest margin | 4.1518% | 2,224 |
| Noninterest income to average assets | 0.5874% | 3,355 |
| Noninterest expense to average assets | 2.8537% | 4,260 |
| Loan and lease loss provision to assets | 1.0203% | 1,219 |
| Net operating income to assets | 0.4854% | 4,470 |
| Return on assets (ROA) | 0.4854% | 4,602 |
| Pretax return on assets | 0.4854% | 5,015 |
| Return on Equity (ROE) | 6.1277% | 3,815 |
| Retained earnings to average equity (ytd only) | 4.4885% | 3,467 |
| Net charge-offs to loans | 1.1366% | 1,481 |
| Credit loss provision to net charge-offs | 119.5652% | 2,917 |
| Earnings coverage of net charge-offs (x) | 1.7645% | 3,676 |
| Efficiency ratio | 65.4610% | 5,225 |
| Assets per employee ($millions) | 3.8559% | 4,190 |
| Cash dividends to net income (ytd only)* | 26.7516% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2687% | 1,628 |
| Loan loss allowance to noncurrent loans | 79.3709% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 2.6712% | 2,729 |
| Noncurrent loans to loans | 2.8583% | 2,815 |
| Net loans and leases to total assets | 71.3043% | 2,618 |
| Net loans and leases to deposits | 90.7961% | 1,783 |
| Net loans and leases to core deposits | 111.6272% | 1,186 |
| Total domestic deposits to total assets | 78.5324% | 6,195 |
| Equity capital to assets | 7.8924% | 6,765 |
| Core capital (leverage) ratio | 7.9149% | 6,363 |
| Tier 1 risk-based capital ratio | 9.9903% | 7,043 |
| Total risk-based capital ratio | 13.2392% | 5,169 |
| Memoranda: | ||
| Average total assets | $129,377,000 | 4,425 |
| Average earning assets | $117,538,000 | 4,434 |
| Average equity | $10,248,500 | 5,164 |
| Average total loans | $97,131,500 | 4,047 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5609% | 3,808 |
| Cost of funding earning assets | 1.7627% | 4,191 |
| Net interest margin | 3.7982% | 3,713 |
| Noninterest income to average assets | 0.6336% | 3,402 |
| Noninterest expense to average assets | 3.0758% | 3,850 |
| Loan and lease loss provision to assets | 2.7690% | 663 |
| Net operating income to assets | -1.7732% | 7,005 |
| Return on assets (ROA) | -1.7617% | 6,999 |
| Pretax return on assets | -1.7617% | 6,843 |
| Return on Equity (ROE) | -21.9718% | 7,209 |
| Retained earnings to average equity (ytd only) | -23.5351% | 7,221 |
| Net charge-offs to loans | 3.2276% | 635 |
| Credit loss provision to net charge-offs | 112.1807% | 4,889 |
| Earnings coverage of net charge-offs (x) | 0.4034% | 5,713 |
| Efficiency ratio | 75.5430% | 3,607 |
| Assets per employee ($millions) | 4.1179% | 3,578 |
| Cash dividends to net income (ytd only)* | -7.1148% | 7,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1458% | 1,743 |
| Loan loss allowance to noncurrent loans | 89.1698% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 2.2154% | 3,109 |
| Noncurrent loans to loans | 2.4064% | 3,155 |
| Net loans and leases to total assets | 75.5926% | 1,901 |
| Net loans and leases to deposits | 97.5456% | 1,154 |
| Net loans and leases to core deposits | 136.0895% | 949 |
| Total domestic deposits to total assets | 77.4946% | 6,348 |
| Equity capital to assets | 7.9512% | 6,628 |
| Core capital (leverage) ratio | 7.7205% | 6,539 |
| Tier 1 risk-based capital ratio | 9.7352% | 7,071 |
| Total risk-based capital ratio | 12.9550% | 5,152 |
| Memoranda: | ||
| Average total assets | $130,048,200 | 4,336 |
| Average earning assets | $117,714,400 | 4,362 |
| Average equity | $10,427,000 | 5,182 |
| Average total loans | $99,456,000 | 3,967 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5589% | 4,100 |
| Cost of funding earning assets | 1.8813% | 3,979 |
| Net interest margin | 3.6777% | 4,176 |
| Noninterest income to average assets | 0.6286% | 3,509 |
| Noninterest expense to average assets | 3.1096% | 3,614 |
| Loan and lease loss provision to assets | 3.3402% | 411 |
| Net operating income to assets | -2.5075% | 7,468 |
| Return on assets (ROA) | -2.4922% | 7,464 |
| Pretax return on assets | -2.4922% | 7,345 |
| Return on Equity (ROE) | -31.0198% | 7,632 |
| Retained earnings to average equity (ytd only) | -32.5569% | 7,642 |
| Net charge-offs to loans | 4.0708% | 339 |
| Credit loss provision to net charge-offs | 107.5583% | 4,723 |
| Earnings coverage of net charge-offs (x) | 0.2682% | 5,745 |
| Efficiency ratio | 78.8765% | 3,014 |
| Assets per employee ($millions) | 4.2357% | 3,313 |
| Cash dividends to net income (ytd only)* | -4.9550% | 7,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9941% | 1,816 |
| Loan loss allowance to noncurrent loans | 124.2058% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.5605% | 4,022 |
| Noncurrent loans to loans | 1.6055% | 4,229 |
| Net loans and leases to total assets | 73.1749% | 2,746 |
| Net loans and leases to deposits | 92.6146% | 2,132 |
| Net loans and leases to core deposits | 128.9428% | 1,506 |
| Total domestic deposits to total assets | 79.0101% | 5,799 |
| Equity capital to assets | 7.6310% | 7,205 |
| Core capital (leverage) ratio | 7.3975% | 7,082 |
| Tier 1 risk-based capital ratio | 9.4140% | 7,430 |
| Total risk-based capital ratio | 12.5907% | 5,540 |
| Memoranda: | ||
| Average total assets | $130,646,750 | 4,361 |
| Average earning assets | $117,717,250 | 4,390 |
| Average equity | $10,496,250 | 5,205 |
| Average total loans | $99,666,750 | 3,998 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4540% | 4,873 |
| Cost of funding earning assets | 2.0304% | 3,624 |
| Net interest margin | 3.4236% | 5,087 |
| Noninterest income to average assets | 0.6732% | 3,174 |
| Noninterest expense to average assets | 3.1006% | 3,699 |
| Loan and lease loss provision to assets | 2.7571% | 554 |
| Net operating income to assets | -2.0947% | 7,451 |
| Return on assets (ROA) | -2.0717% | 7,441 |
| Pretax return on assets | -2.0717% | 7,309 |
| Return on Equity (ROE) | -25.3590% | 7,634 |
| Retained earnings to average equity (ytd only) | -26.4664% | 7,621 |
| Net charge-offs to loans | 4.0874% | 341 |
| Credit loss provision to net charge-offs | 87.7930% | 4,986 |
| Earnings coverage of net charge-offs (x) | 0.2109% | 5,459 |
| Efficiency ratio | 82.3961% | 2,678 |
| Assets per employee ($millions) | 4.3033% | 3,111 |
| Cash dividends to net income (ytd only)* | -4.3671% | 7,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 3,483 |
| Loan loss allowance to noncurrent loans | 103.6543% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 1.4437% | 4,082 |
| Noncurrent loans to loans | 1.3962% | 4,419 |
| Net loans and leases to total assets | 75.2967% | 2,367 |
| Net loans and leases to deposits | 103.1484% | 977 |
| Net loans and leases to core deposits | 137.9496% | 1,109 |
| Total domestic deposits to total assets | 72.9984% | 7,111 |
| Equity capital to assets | 7.9211% | 6,844 |
| Core capital (leverage) ratio | 8.5377% | 5,375 |
| Tier 1 risk-based capital ratio | 10.0811% | 6,844 |
| Total risk-based capital ratio | 13.1736% | 4,900 |
| Memoranda: | ||
| Average total assets | $130,427,000 | 4,380 |
| Average earning assets | $117,712,670 | 4,425 |
| Average equity | $10,655,000 | 5,172 |
| Average total loans | $100,209,670 | 4,009 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3363% | 5,722 |
| Cost of funding earning assets | 2.2661% | 2,859 |
| Net interest margin | 3.0703% | 6,281 |
| Noninterest income to average assets | 0.5708% | 3,754 |
| Noninterest expense to average assets | 2.9130% | 4,116 |
| Loan and lease loss provision to assets | 0.5367% | 2,325 |
| Net operating income to assets | -0.0838% | 6,389 |
| Return on assets (ROA) | -0.0838% | 6,504 |
| Pretax return on assets | -0.0838% | 6,465 |
| Return on Equity (ROE) | -1.0094% | 6,537 |
| Retained earnings to average equity (ytd only) | -1.6450% | 6,029 |
| Net charge-offs to loans | 2.6169% | 518 |
| Credit loss provision to net charge-offs | 26.6154% | 4,990 |
| Earnings coverage of net charge-offs (x) | 0.2246% | 4,803 |
| Efficiency ratio | 86.5438% | 2,010 |
| Assets per employee ($millions) | 4.2261% | 3,215 |
| Cash dividends to net income (ytd only)* | -62.9630% | 8,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 4,605 |
| Loan loss allowance to noncurrent loans | 41.9073% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 3.1532% | 1,778 |
| Noncurrent loans to loans | 2.9283% | 2,231 |
| Net loans and leases to total assets | 76.6739% | 2,119 |
| Net loans and leases to deposits | 99.1130% | 1,521 |
| Net loans and leases to core deposits | 139.5493% | 1,120 |
| Total domestic deposits to total assets | 77.3602% | 6,195 |
| Equity capital to assets | 9.3170% | 4,914 |
| Core capital (leverage) ratio | 9.7749% | 3,662 |
| Tier 1 risk-based capital ratio | 11.1201% | 5,796 |
| Total risk-based capital ratio | 14.0547% | 4,236 |
| Memoranda: | ||
| Average total assets | $128,939,000 | 4,432 |
| Average earning assets | $117,384,000 | 4,445 |
| Average equity | $10,699,000 | 5,187 |
| Average total loans | $99,353,000 | 4,059 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2894% | 4,025 |
| Cost of funding earning assets | 3.0050% | 1,851 |
| Net interest margin | 3.2844% | 6,091 |
| Noninterest income to average assets | 0.6769% | 3,278 |
| Noninterest expense to average assets | 3.0411% | 3,936 |
| Loan and lease loss provision to assets | 0.6449% | 2,255 |
| Net operating income to assets | 0.0033% | 6,358 |
| Return on assets (ROA) | 0.0394% | 6,122 |
| Pretax return on assets | 0.0394% | 6,075 |
| Return on Equity (ROE) | 0.5245% | 6,063 |
| Retained earnings to average equity (ytd only) | 0.5245% | 4,923 |
| Net charge-offs to loans | 0.1065% | 5,226 |
| Credit loss provision to net charge-offs | 801.0204% | 544 |
| Earnings coverage of net charge-offs (x) | 8.0510% | 2,949 |
| Efficiency ratio | 82.4315% | 2,249 |
| Assets per employee ($millions) | 3.8445% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 1,683 |
| Loan loss allowance to noncurrent loans | 67.3039% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 3.1355% | 1,461 |
| Noncurrent loans to loans | 2.6420% | 2,053 |
| Net loans and leases to total assets | 75.1036% | 2,854 |
| Net loans and leases to deposits | 96.0737% | 2,438 |
| Net loans and leases to core deposits | 145.1748% | 1,045 |
| Total domestic deposits to total assets | 78.1729% | 5,655 |
| Equity capital to assets | 7.2452% | 7,595 |
| Core capital (leverage) ratio | 7.4573% | 7,252 |
| Tier 1 risk-based capital ratio | 8.8317% | 7,886 |
| Total risk-based capital ratio | 11.9861% | 5,878 |
| Memoranda: | ||
| Average total assets | $121,730,600 | 4,475 |
| Average earning assets | $111,648,400 | 4,481 |
| Average equity | $9,152,000 | 5,688 |
| Average total loans | $92,060,000 | 4,157 |