Home > Fidelity Bank of Texas > Performance and Condition Ratios
Fidelity Bank of Texas, 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 | 1.9516% | 4,575 |
| Cost of funding earning assets | 0.3245% | 4,358 |
| Net interest margin | 1.6271% | 4,491 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.3065% | 4,433 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.3139% | 4,006 |
| Return on assets (ROA) | 0.3139% | 4,005 |
| Pretax return on assets | 0.3402% | 4,046 |
| Return on Equity (ROE) | 1.9800% | 4,152 |
| Retained earnings to average equity (ytd only) | 1.9791% | 3,581 |
| Net charge-offs to loans | -0.0021% | 3,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.0085% | 2,109 |
| Assets per employee ($millions) | 4.5143% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 1,476 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 39.6000% | 4,051 |
| Net loans and leases to deposits | 50.0857% | 3,947 |
| Net loans and leases to core deposits | 51.0942% | 4,062 |
| Total domestic deposits to total assets | 79.0700% | 3,603 |
| Equity capital to assets | 20.8493% | 267 |
| Core capital (leverage) ratio | 13.3591% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $114,047,200 | 3,707 |
| Average earning assets | $106,322,200 | 3,682 |
| Average equity | $18,089,400 | 3,004 |
| Average total loans | $46,963,200 | 3,886 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6772% | 4,612 |
| Cost of funding earning assets | 0.1056% | 4,506 |
| Net interest margin | 0.5716% | 4,574 |
| Noninterest income to average assets | 0.0400% | 4,484 |
| Noninterest expense to average assets | 0.3592% | 4,570 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.2061% | 4,222 |
| Return on assets (ROA) | 0.2061% | 4,238 |
| Pretax return on assets | 0.2061% | 4,257 |
| Return on Equity (ROE) | 1.4100% | 4,268 |
| Retained earnings to average equity (ytd only) | 1.4146% | 3,859 |
| Net charge-offs to loans | -0.0028% | 3,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.1111% | 3,824 |
| Assets per employee ($millions) | 4.9784% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 1,159 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 35.1200% | 4,213 |
| Net loans and leases to deposits | 43.5379% | 4,119 |
| Net loans and leases to core deposits | 44.8049% | 4,155 |
| Total domestic deposits to total assets | 80.6600% | 3,437 |
| Equity capital to assets | 19.1466% | 308 |
| Core capital (leverage) ratio | 12.6467% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $113,216,250 | 3,726 |
| Average earning assets | $107,297,250 | 3,683 |
| Average equity | $16,494,000 | 3,122 |
| Average total loans | $46,920,750 | 3,897 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 1,935 |
| Cost of funding earning assets | 0.6256% | 3,693 |
| Net interest margin | 4.2008% | 931 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.9196% | 1,172 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 1.6498% | 873 |
| Return on assets (ROA) | 1.6498% | 874 |
| Pretax return on assets | 1.6352% | 1,347 |
| Return on Equity (ROE) | 12.8600% | 1,932 |
| Retained earnings to average equity (ytd only) | 12.8553% | 829 |
| Net charge-offs to loans | -0.0042% | 3,671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.2283% | 2,454 |
| Assets per employee ($millions) | 4.1542% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 1,342 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 41.9000% | 3,969 |
| Net loans and leases to deposits | 48.4764% | 3,970 |
| Net loans and leases to core deposits | 49.7057% | 4,027 |
| Total domestic deposits to total assets | 86.4400% | 2,107 |
| Equity capital to assets | 13.3645% | 737 |
| Core capital (leverage) ratio | 13.6656% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $109,468,000 | 3,779 |
| Average earning assets | $106,456,667 | 3,706 |
| Average equity | $14,048,667 | 3,346 |
| Average total loans | $47,772,333 | 3,886 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 1,893 |
| Cost of funding earning assets | 0.4437% | 3,853 |
| Net interest margin | 4.2396% | 888 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.8204% | 1,390 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 1.8040% | 663 |
| Return on assets (ROA) | 1.8040% | 654 |
| Pretax return on assets | 1.8040% | 1,062 |
| Return on Equity (ROE) | 14.3500% | 1,702 |
| Retained earnings to average equity (ytd only) | 14.3481% | 896 |
| Net charge-offs to loans | -0.0082% | 3,787 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.5202% | 2,751 |
| Assets per employee ($millions) | 4.1217% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 1,718 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 44.5900% | 3,839 |
| Net loans and leases to deposits | 51.3852% | 3,824 |
| Net loans and leases to core deposits | 51.6167% | 3,929 |
| Total domestic deposits to total assets | 86.7700% | 2,351 |
| Equity capital to assets | 13.0929% | 740 |
| Core capital (leverage) ratio | 12.7484% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $110,197,000 | 3,824 |
| Average earning assets | $107,274,500 | 3,746 |
| Average equity | $13,855,500 | 3,403 |
| Average total loans | $48,694,500 | 3,924 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4350% | 3,253 |
| Cost of funding earning assets | 0.2581% | 3,260 |
| Net interest margin | 3.1769% | 2,939 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.8699% | 1,172 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.6720% | 3,702 |
| Return on assets (ROA) | -2.2888% | 4,692 |
| Pretax return on assets | -2.2932% | 4,690 |
| Return on Equity (ROE) | -18.1600% | 4,687 |
| Retained earnings to average equity (ytd only) | -18.1612% | 4,688 |
| Net charge-offs to loans | -0.0108% | 3,853 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.7220% | 665 |
| Assets per employee ($millions) | 4.5292% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 3,515 |
| Loan loss allowance to noncurrent loans | 625.0000% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 3,127 |
| Noncurrent loans to loans | 0.1553% | 2,719 |
| Net loans and leases to total assets | 42.8100% | 3,939 |
| Net loans and leases to deposits | 48.7542% | 3,943 |
| Net loans and leases to core deposits | 50.5718% | 3,957 |
| Total domestic deposits to total assets | 87.8000% | 2,142 |
| Equity capital to assets | 12.0817% | 905 |
| Core capital (leverage) ratio | 12.1198% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $112,200,600 | 3,805 |
| Average earning assets | $109,258,600 | 3,728 |
| Average equity | $14,140,000 | 3,452 |
| Average total loans | $46,305,000 | 3,957 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1698% | 3,505 |
| Cost of funding earning assets | 0.2324% | 2,903 |
| Net interest margin | 2.9374% | 3,391 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.8895% | 1,077 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.4431% | 4,176 |
| Return on assets (ROA) | -3.5136% | 4,744 |
| Pretax return on assets | -3.5195% | 4,742 |
| Return on Equity (ROE) | -27.5900% | 4,735 |
| Retained earnings to average equity (ytd only) | -27.5920% | 4,739 |
| Net charge-offs to loans | -0.0234% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.7048% | 433 |
| Assets per employee ($millions) | 4.2744% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 3,691 |
| Loan loss allowance to noncurrent loans | 592.3077% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 3,215 |
| Noncurrent loans to loans | 0.1603% | 2,804 |
| Net loans and leases to total assets | 41.7700% | 3,994 |
| Net loans and leases to deposits | 47.3024% | 3,978 |
| Net loans and leases to core deposits | 49.0207% | 3,997 |
| Total domestic deposits to total assets | 88.3000% | 2,328 |
| Equity capital to assets | 11.5215% | 1,003 |
| Core capital (leverage) ratio | 11.7963% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $111,943,500 | 3,836 |
| Average earning assets | $109,026,250 | 3,762 |
| Average equity | $14,255,000 | 3,481 |
| Average total loans | $45,645,500 | 3,993 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5744% | 4,298 |
| Cost of funding earning assets | 0.2148% | 2,708 |
| Net interest margin | 2.3596% | 4,273 |
| Noninterest income to average assets | 0.4838% | 2,288 |
| Noninterest expense to average assets | 2.9155% | 967 |
| Loan and lease loss provision to assets | -0.0271% | 4,454 |
| Net operating income to assets | -0.0957% | 4,616 |
| Return on assets (ROA) | -6.0927% | 4,758 |
| Pretax return on assets | -6.1017% | 4,757 |
| Return on Equity (ROE) | -46.3143% | 4,764 |
| Retained earnings to average equity (ytd only) | -46.3143% | 4,757 |
| Net charge-offs to loans | -0.0403% | 4,155 |
| Credit loss provision to net charge-offs | 166.6667% | 1,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7341% | 144 |
| Assets per employee ($millions) | 4.1334% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 3,849 |
| Loan loss allowance to noncurrent loans | 553.7500% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 3,258 |
| Noncurrent loans to loans | 0.1689% | 2,848 |
| Net loans and leases to total assets | 42.0342% | 3,969 |
| Net loans and leases to deposits | 47.5974% | 3,938 |
| Net loans and leases to core deposits | 49.3089% | 3,967 |
| Total domestic deposits to total assets | 88.3120% | 2,455 |
| Equity capital to assets | 11.5347% | 1,023 |
| Core capital (leverage) ratio | 11.7575% | 1,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,788,000 | 3,891 |
| Average earning assets | $107,986,667 | 3,821 |
| Average equity | $14,574,333 | 3,539 |
| Average total loans | $44,638,667 | 4,059 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5272% | 4,232 |
| Cost of funding earning assets | 0.2156% | 2,589 |
| Net interest margin | 2.3117% | 4,218 |
| Noninterest income to average assets | 0.4747% | 2,280 |
| Noninterest expense to average assets | 2.8338% | 1,091 |
| Loan and lease loss provision to assets | 0.0544% | 1,407 |
| Net operating income to assets | -0.1486% | 4,619 |
| Return on assets (ROA) | -0.1486% | 4,603 |
| Pretax return on assets | -0.1594% | 4,603 |
| Return on Equity (ROE) | -1.0632% | 4,591 |
| Retained earnings to average equity (ytd only) | -1.0632% | 4,149 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8513% | 191 |
| Assets per employee ($millions) | 4.0554% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 3,667 |
| Loan loss allowance to noncurrent loans | 571.6049% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 3,332 |
| Noncurrent loans to loans | 0.1771% | 2,934 |
| Net loans and leases to total assets | 41.3507% | 3,930 |
| Net loans and leases to deposits | 47.8894% | 3,872 |
| Net loans and leases to core deposits | 49.8508% | 3,884 |
| Total domestic deposits to total assets | 86.3464% | 3,153 |
| Equity capital to assets | 13.5239% | 596 |
| Core capital (leverage) ratio | 14.5778% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,381,000 | 3,912 |
| Average earning assets | $107,627,000 | 3,838 |
| Average equity | $15,425,000 | 3,525 |
| Average total loans | $43,281,000 | 4,097 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2608% | 4,603 |
| Cost of funding earning assets | 0.2445% | 2,999 |
| Net interest margin | 2.0163% | 4,592 |
| Noninterest income to average assets | 0.5305% | 2,438 |
| Noninterest expense to average assets | 2.8009% | 1,362 |
| Loan and lease loss provision to assets | -0.1311% | 4,598 |
| Net operating income to assets | -0.2124% | 4,725 |
| Return on assets (ROA) | -0.2124% | 4,729 |
| Pretax return on assets | -0.1717% | 4,723 |
| Return on Equity (ROE) | -1.4348% | 4,723 |
| Retained earnings to average equity (ytd only) | -1.4348% | 4,597 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.1201% | 91 |
| Assets per employee ($millions) | 3.8368% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,355 |
| Loan loss allowance to noncurrent loans | 534.5238% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 3,424 |
| Noncurrent loans to loans | 0.2058% | 2,927 |
| Net loans and leases to total assets | 36.2848% | 4,273 |
| Net loans and leases to deposits | 42.4532% | 4,253 |
| Net loans and leases to core deposits | 44.0571% | 4,265 |
| Total domestic deposits to total assets | 85.4701% | 3,099 |
| Equity capital to assets | 14.4176% | 592 |
| Core capital (leverage) ratio | 14.5087% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,641,800 | 3,886 |
| Average earning assets | $107,969,400 | 3,830 |
| Average equity | $16,379,000 | 3,511 |
| Average total loans | $41,181,600 | 4,158 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2492% | 4,694 |
| Cost of funding earning assets | 0.2536% | 3,085 |
| Net interest margin | 1.9956% | 4,681 |
| Noninterest income to average assets | 0.5563% | 2,390 |
| Noninterest expense to average assets | 2.7828% | 1,383 |
| Loan and lease loss provision to assets | -0.1747% | 4,719 |
| Net operating income to assets | -0.1171% | 4,776 |
| Return on assets (ROA) | -0.1171% | 4,785 |
| Pretax return on assets | -0.1050% | 4,780 |
| Return on Equity (ROE) | -0.7856% | 4,784 |
| Retained earnings to average equity (ytd only) | -0.7856% | 4,648 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.1861% | 95 |
| Assets per employee ($millions) | 4.2047% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 3,175 |
| Loan loss allowance to noncurrent loans | 287.8205% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 3,200 |
| Noncurrent loans to loans | 0.4025% | 2,353 |
| Net loans and leases to total assets | 33.7462% | 4,479 |
| Net loans and leases to deposits | 39.5395% | 4,467 |
| Net loans and leases to core deposits | 41.0042% | 4,481 |
| Total domestic deposits to total assets | 85.3480% | 3,001 |
| Equity capital to assets | 14.4574% | 645 |
| Core capital (leverage) ratio | 15.1326% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,485,500 | 3,937 |
| Average earning assets | $107,768,500 | 3,878 |
| Average equity | $16,463,250 | 3,553 |
| Average total loans | $41,271,500 | 4,213 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3511% | 4,697 |
| Cost of funding earning assets | 0.2737% | 3,058 |
| Net interest margin | 2.0774% | 4,665 |
| Noninterest income to average assets | 0.6157% | 2,146 |
| Noninterest expense to average assets | 2.7094% | 1,567 |
| Loan and lease loss provision to assets | -0.0274% | 4,459 |
| Net operating income to assets | -0.0786% | 4,796 |
| Return on assets (ROA) | -0.0786% | 4,804 |
| Pretax return on assets | -0.0420% | 4,792 |
| Return on Equity (ROE) | -0.5218% | 4,801 |
| Retained earnings to average equity (ytd only) | -0.5218% | 4,569 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6298% | 143 |
| Assets per employee ($millions) | 4.0608% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 1,696 |
| Loan loss allowance to noncurrent loans | 375.9740% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 3,269 |
| Noncurrent loans to loans | 0.3902% | 2,505 |
| Net loans and leases to total assets | 36.8327% | 4,433 |
| Net loans and leases to deposits | 43.7303% | 4,391 |
| Net loans and leases to core deposits | 45.4985% | 4,408 |
| Total domestic deposits to total assets | 84.2271% | 3,359 |
| Equity capital to assets | 15.5958% | 459 |
| Core capital (leverage) ratio | 14.6414% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,471,667 | 3,970 |
| Average earning assets | $106,671,667 | 3,907 |
| Average equity | $16,480,000 | 3,558 |
| Average total loans | $42,108,667 | 4,228 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3681% | 4,729 |
| Cost of funding earning assets | 0.2762% | 3,212 |
| Net interest margin | 2.0919% | 4,685 |
| Noninterest income to average assets | 0.5672% | 2,340 |
| Noninterest expense to average assets | 2.7428% | 1,506 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1723% | 4,829 |
| Return on assets (ROA) | -0.1723% | 4,832 |
| Pretax return on assets | -0.1364% | 4,819 |
| Return on Equity (ROE) | -1.1646% | 4,832 |
| Retained earnings to average equity (ytd only) | -1.1646% | 4,482 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2342% | 142 |
| Assets per employee ($millions) | 4.8312% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,415 |
| Loan loss allowance to noncurrent loans | 248.5356% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 3,075 |
| Noncurrent loans to loans | 0.5254% | 2,281 |
| Net loans and leases to total assets | 40.4039% | 4,321 |
| Net loans and leases to deposits | 47.5276% | 4,279 |
| Net loans and leases to core deposits | 54.2878% | 4,083 |
| Total domestic deposits to total assets | 85.0114% | 3,086 |
| Equity capital to assets | 14.8158% | 526 |
| Core capital (leverage) ratio | 14.8452% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,417,500 | 3,961 |
| Average earning assets | $108,610,000 | 3,888 |
| Average equity | $16,487,000 | 3,558 |
| Average total loans | $43,429,500 | 4,227 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0023% | 4,630 |
| Cost of funding earning assets | 0.2894% | 4,204 |
| Net interest margin | 2.7129% | 4,363 |
| Noninterest income to average assets | 0.5559% | 2,392 |
| Noninterest expense to average assets | 3.0074% | 1,417 |
| Loan and lease loss provision to assets | -0.0079% | 4,905 |
| Net operating income to assets | 0.1392% | 4,634 |
| Return on assets (ROA) | 0.1392% | 4,682 |
| Pretax return on assets | 0.1945% | 4,654 |
| Return on Equity (ROE) | 0.8562% | 4,689 |
| Retained earnings to average equity (ytd only) | 0.8562% | 4,271 |
| Net charge-offs to loans | 0.0069% | 3,094 |
| Credit loss provision to net charge-offs | -266.6667% | 3,837 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 1,044 |
| Efficiency ratio | 94.1577% | 265 |
| Assets per employee ($millions) | 4.1377% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 1,826 |
| Loan loss allowance to noncurrent loans | 242.4490% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 3,194 |
| Noncurrent loans to loans | 0.5922% | 2,221 |
| Net loans and leases to total assets | 36.4985% | 4,574 |
| Net loans and leases to deposits | 42.8836% | 4,558 |
| Net loans and leases to core deposits | 49.1099% | 4,454 |
| Total domestic deposits to total assets | 85.1106% | 2,715 |
| Equity capital to assets | 14.7793% | 610 |
| Core capital (leverage) ratio | 15.4874% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,284,200 | 3,978 |
| Average earning assets | $98,492,000 | 3,906 |
| Average equity | $16,468,800 | 3,507 |
| Average total loans | $43,500,600 | 4,246 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1871% | 4,604 |
| Cost of funding earning assets | 0.2909% | 4,347 |
| Net interest margin | 2.8962% | 4,190 |
| Noninterest income to average assets | 0.5986% | 2,186 |
| Noninterest expense to average assets | 3.1415% | 1,169 |
| Loan and lease loss provision to assets | -0.0111% | 4,965 |
| Net operating income to assets | 0.1797% | 4,621 |
| Return on assets (ROA) | 0.1797% | 4,659 |
| Pretax return on assets | 0.2797% | 4,565 |
| Return on Equity (ROE) | 1.0774% | 4,695 |
| Retained earnings to average equity (ytd only) | 1.0774% | 4,233 |
| Net charge-offs to loans | 0.0091% | 2,782 |
| Credit loss provision to net charge-offs | -266.6667% | 3,686 |
| Earnings coverage of net charge-offs (x) | 66.3333% | 1,033 |
| Efficiency ratio | 92.1157% | 311 |
| Assets per employee ($millions) | 3.9394% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 2,011 |
| Loan loss allowance to noncurrent loans | 162.2951% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 2,767 |
| Noncurrent loans to loans | 0.8235% | 1,779 |
| Net loans and leases to total assets | 41.2264% | 4,524 |
| Net loans and leases to deposits | 48.9283% | 4,520 |
| Net loans and leases to core deposits | 56.5201% | 4,365 |
| Total domestic deposits to total assets | 84.2588% | 2,727 |
| Equity capital to assets | 15.5165% | 539 |
| Core capital (leverage) ratio | 15.6073% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,676,000 | 4,008 |
| Average earning assets | $95,801,250 | 3,941 |
| Average equity | $16,458,250 | 3,511 |
| Average total loans | $44,033,500 | 4,256 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3594% | 4,580 |
| Cost of funding earning assets | 0.2766% | 4,548 |
| Net interest margin | 3.0828% | 3,938 |
| Noninterest income to average assets | 0.6659% | 1,876 |
| Noninterest expense to average assets | 3.2358% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2768% | 4,459 |
| Return on assets (ROA) | 0.2768% | 4,499 |
| Pretax return on assets | 0.4224% | 4,384 |
| Return on Equity (ROE) | 1.6177% | 4,602 |
| Retained earnings to average equity (ytd only) | 1.6177% | 3,903 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4528% | 436 |
| Assets per employee ($millions) | 3.7662% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 1,849 |
| Loan loss allowance to noncurrent loans | 685.2273% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 4,106 |
| Noncurrent loans to loans | 0.1949% | 3,680 |
| Net loans and leases to total assets | 42.2383% | 4,527 |
| Net loans and leases to deposits | 50.1904% | 4,524 |
| Net loans and leases to core deposits | 58.0495% | 4,354 |
| Total domestic deposits to total assets | 84.1561% | 2,703 |
| Equity capital to assets | 15.6533% | 518 |
| Core capital (leverage) ratio | 17.0980% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,113,333 | 4,048 |
| Average earning assets | $93,290,333 | 3,978 |
| Average equity | $16,443,000 | 3,515 |
| Average total loans | $43,896,667 | 4,264 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6542% | 4,465 |
| Cost of funding earning assets | 0.2797% | 4,710 |
| Net interest margin | 3.3745% | 3,385 |
| Noninterest income to average assets | 0.5249% | 2,413 |
| Noninterest expense to average assets | 3.2764% | 1,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3368% | 4,267 |
| Return on assets (ROA) | 0.3368% | 4,300 |
| Pretax return on assets | 0.5205% | 4,085 |
| Return on Equity (ROE) | 1.8768% | 4,470 |
| Retained earnings to average equity (ytd only) | 1.8768% | 3,485 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2903% | 684 |
| Assets per employee ($millions) | 3.3867% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 1,655 |
| Loan loss allowance to noncurrent loans | 68.8562% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.9657% | 1,376 |
| Noncurrent loans to loans | 2.0526% | 680 |
| Net loans and leases to total assets | 46.3812% | 4,406 |
| Net loans and leases to deposits | 56.6909% | 4,340 |
| Net loans and leases to core deposits | 59.4225% | 4,384 |
| Total domestic deposits to total assets | 81.8143% | 3,466 |
| Equity capital to assets | 17.9921% | 356 |
| Core capital (leverage) ratio | 18.3683% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,443,000 | 4,097 |
| Average earning assets | $88,665,500 | 4,043 |
| Average equity | $16,411,000 | 3,522 |
| Average total loans | $43,272,500 | 4,294 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 3,806 |
| Cost of funding earning assets | 0.2815% | 4,770 |
| Net interest margin | 3.9230% | 2,100 |
| Noninterest income to average assets | 0.5590% | 2,426 |
| Noninterest expense to average assets | 3.2544% | 1,398 |
| Loan and lease loss provision to assets | -0.0335% | 4,981 |
| Net operating income to assets | 0.8892% | 3,253 |
| Return on assets (ROA) | 0.8892% | 3,340 |
| Pretax return on assets | 1.1324% | 3,069 |
| Return on Equity (ROE) | 4.9901% | 4,210 |
| Retained earnings to average equity (ytd only) | 4.9901% | 2,423 |
| Net charge-offs to loans | 0.0164% | 3,134 |
| Credit loss provision to net charge-offs | -375.0000% | 4,380 |
| Earnings coverage of net charge-offs (x) | 123.1250% | 578 |
| Efficiency ratio | 74.7565% | 1,517 |
| Assets per employee ($millions) | 3.3869% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 1,561 |
| Loan loss allowance to noncurrent loans | 65.9760% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.0028% | 1,240 |
| Noncurrent loans to loans | 2.1068% | 598 |
| Net loans and leases to total assets | 46.9359% | 4,484 |
| Net loans and leases to deposits | 57.2356% | 4,408 |
| Net loans and leases to core deposits | 58.2730% | 4,508 |
| Total domestic deposits to total assets | 82.0047% | 3,511 |
| Equity capital to assets | 17.9013% | 376 |
| Core capital (leverage) ratio | 18.6542% | 297 |
| Tier 1 risk-based capital ratio | 44.7769% | 177 |
| Total risk-based capital ratio | 46.0324% | 175 |
| Memoranda: | ||
| Average total assets | $89,632,200 | 4,153 |
| Average earning assets | $86,692,800 | 4,086 |
| Average equity | $15,971,600 | 3,545 |
| Average total loans | $48,886,800 | 4,208 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 3,575 |
| Cost of funding earning assets | 0.2847% | 4,836 |
| Net interest margin | 4.0433% | 1,794 |
| Noninterest income to average assets | 0.5666% | 2,371 |
| Noninterest expense to average assets | 3.2967% | 1,276 |
| Loan and lease loss provision to assets | -0.0299% | 5,099 |
| Net operating income to assets | 0.9135% | 3,297 |
| Return on assets (ROA) | 0.9135% | 3,375 |
| Pretax return on assets | 1.2065% | 2,962 |
| Return on Equity (ROE) | 5.1326% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.1326% | 2,828 |
| Net charge-offs to loans | 0.0212% | 2,687 |
| Credit loss provision to net charge-offs | -250.0000% | 4,199 |
| Earnings coverage of net charge-offs (x) | 98.3421% | 759 |
| Efficiency ratio | 73.6965% | 1,616 |
| Assets per employee ($millions) | 3.1753% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 1,862 |
| Loan loss allowance to noncurrent loans | 64.6688% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.1093% | 1,179 |
| Noncurrent loans to loans | 2.0495% | 652 |
| Net loans and leases to total assets | 53.4060% | 4,225 |
| Net loans and leases to deposits | 65.9921% | 4,066 |
| Net loans and leases to core deposits | 67.2868% | 4,203 |
| Total domestic deposits to total assets | 80.9278% | 3,780 |
| Equity capital to assets | 18.8763% | 321 |
| Core capital (leverage) ratio | 18.4971% | 315 |
| Tier 1 risk-based capital ratio | 41.9908% | 215 |
| Total risk-based capital ratio | 43.2442% | 210 |
| Memoranda: | ||
| Average total assets | $89,178,750 | 4,210 |
| Average earning assets | $86,165,250 | 4,147 |
| Average equity | $15,872,000 | 3,591 |
| Average total loans | $50,227,000 | 4,224 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3317% | 3,538 |
| Cost of funding earning assets | 0.2863% | 4,857 |
| Net interest margin | 4.0453% | 1,779 |
| Noninterest income to average assets | 0.5469% | 2,406 |
| Noninterest expense to average assets | 3.2526% | 1,391 |
| Loan and lease loss provision to assets | -0.0443% | 5,170 |
| Net operating income to assets | 0.8967% | 3,296 |
| Return on assets (ROA) | 0.8967% | 3,364 |
| Pretax return on assets | 1.2488% | 2,754 |
| Return on Equity (ROE) | 5.1369% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.1369% | 2,703 |
| Net charge-offs to loans | -0.0078% | 4,246 |
| Credit loss provision to net charge-offs | 1,000.0000% | 340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9757% | 1,778 |
| Assets per employee ($millions) | 3.3266% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,126 |
| Loan loss allowance to noncurrent loans | 63.3874% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.0978% | 1,243 |
| Noncurrent loans to loans | 2.0080% | 709 |
| Net loans and leases to total assets | 53.9753% | 4,210 |
| Net loans and leases to deposits | 65.7851% | 4,112 |
| Net loans and leases to core deposits | 66.9997% | 4,264 |
| Total domestic deposits to total assets | 82.0479% | 3,500 |
| Equity capital to assets | 17.7839% | 400 |
| Core capital (leverage) ratio | 17.9803% | 345 |
| Tier 1 risk-based capital ratio | 38.0537% | 271 |
| Total risk-based capital ratio | 39.3065% | 264 |
| Memoranda: | ||
| Average total assets | $90,327,670 | 4,217 |
| Average earning assets | $87,310,330 | 4,151 |
| Average equity | $15,768,330 | 3,606 |
| Average total loans | $51,502,330 | 4,234 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 3,518 |
| Cost of funding earning assets | 0.2833% | 4,890 |
| Net interest margin | 4.0305% | 1,758 |
| Noninterest income to average assets | 0.5476% | 2,298 |
| Noninterest expense to average assets | 3.2324% | 1,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9627% | 2,996 |
| Return on assets (ROA) | 0.9627% | 3,041 |
| Pretax return on assets | 1.2099% | 2,768 |
| Return on Equity (ROE) | 5.5662% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.5662% | 2,661 |
| Net charge-offs to loans | -0.0076% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7634% | 1,916 |
| Assets per employee ($millions) | 3.1956% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 2,357 |
| Loan loss allowance to noncurrent loans | 56.4417% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.2752% | 1,035 |
| Noncurrent loans to loans | 2.2039% | 644 |
| Net loans and leases to total assets | 57.1409% | 3,977 |
| Net loans and leases to deposits | 69.5089% | 3,801 |
| Net loans and leases to core deposits | 70.7919% | 4,022 |
| Total domestic deposits to total assets | 82.2066% | 3,675 |
| Equity capital to assets | 17.6325% | 377 |
| Core capital (leverage) ratio | 17.2676% | 398 |
| Tier 1 risk-based capital ratio | 35.8074% | 303 |
| Total risk-based capital ratio | 37.0615% | 298 |
| Memoranda: | ||
| Average total assets | $90,583,000 | 4,254 |
| Average earning assets | $87,532,500 | 4,189 |
| Average equity | $15,666,000 | 3,622 |
| Average total loans | $52,701,500 | 4,250 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 3,105 |
| Cost of funding earning assets | 0.2534% | 4,791 |
| Net interest margin | 4.0483% | 1,835 |
| Noninterest income to average assets | 0.5064% | 2,802 |
| Noninterest expense to average assets | 2.9239% | 2,264 |
| Loan and lease loss provision to assets | 0.0105% | 3,918 |
| Net operating income to assets | 1.1794% | 2,274 |
| Return on assets (ROA) | 1.1794% | 2,266 |
| Pretax return on assets | 1.4908% | 1,807 |
| Return on Equity (ROE) | 7.5069% | 3,658 |
| Retained earnings to average equity (ytd only) | 7.5069% | 1,454 |
| Net charge-offs to loans | 0.0521% | 2,407 |
| Credit loss provision to net charge-offs | 32.2581% | 3,337 |
| Earnings coverage of net charge-offs (x) | 46.1935% | 1,190 |
| Efficiency ratio | 66.0744% | 2,866 |
| Assets per employee ($millions) | 3.2746% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 2,578 |
| Loan loss allowance to noncurrent loans | 59.4820% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.2662% | 1,013 |
| Noncurrent loans to loans | 2.0156% | 671 |
| Net loans and leases to total assets | 57.7910% | 3,988 |
| Net loans and leases to deposits | 69.6651% | 3,854 |
| Net loans and leases to core deposits | 70.9050% | 4,068 |
| Total domestic deposits to total assets | 82.9554% | 3,342 |
| Equity capital to assets | 16.9650% | 420 |
| Core capital (leverage) ratio | 16.7524% | 430 |
| Tier 1 risk-based capital ratio | 34.1057% | 336 |
| Total risk-based capital ratio | 35.3585% | 332 |
| Memoranda: | ||
| Average total assets | $95,385,000 | 4,178 |
| Average earning assets | $92,335,000 | 4,097 |
| Average equity | $14,986,200 | 3,645 |
| Average total loans | $59,470,800 | 4,106 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2479% | 3,156 |
| Cost of funding earning assets | 0.2501% | 4,783 |
| Net interest margin | 3.9978% | 1,967 |
| Noninterest income to average assets | 0.5011% | 2,858 |
| Noninterest expense to average assets | 2.8366% | 2,508 |
| Loan and lease loss provision to assets | 0.0138% | 3,725 |
| Net operating income to assets | 1.1878% | 2,282 |
| Return on assets (ROA) | 1.1878% | 2,286 |
| Pretax return on assets | 1.5228% | 1,827 |
| Return on Equity (ROE) | 7.7066% | 3,662 |
| Retained earnings to average equity (ytd only) | 7.7066% | 1,790 |
| Net charge-offs to loans | -0.0022% | 4,101 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8623% | 3,051 |
| Assets per employee ($millions) | 3.3915% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 2,884 |
| Loan loss allowance to noncurrent loans | 62.2120% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.1426% | 1,246 |
| Noncurrent loans to loans | 1.8553% | 822 |
| Net loans and leases to total assets | 60.8745% | 3,756 |
| Net loans and leases to deposits | 72.6940% | 3,708 |
| Net loans and leases to core deposits | 74.4667% | 3,915 |
| Total domestic deposits to total assets | 83.7407% | 3,035 |
| Equity capital to assets | 16.0950% | 524 |
| Core capital (leverage) ratio | 16.0970% | 503 |
| Tier 1 risk-based capital ratio | 31.4543% | 417 |
| Total risk-based capital ratio | 32.7059% | 413 |
| Memoranda: | ||
| Average total assets | $96,309,000 | 4,204 |
| Average earning assets | $93,283,000 | 4,121 |
| Average equity | $14,844,000 | 3,685 |
| Average total loans | $60,930,750 | 4,114 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 3,059 |
| Cost of funding earning assets | 0.2519% | 4,735 |
| Net interest margin | 3.9668% | 1,974 |
| Noninterest income to average assets | 0.4878% | 2,933 |
| Noninterest expense to average assets | 2.9103% | 2,328 |
| Loan and lease loss provision to assets | 0.0207% | 3,492 |
| Net operating income to assets | 1.1017% | 2,576 |
| Return on assets (ROA) | 1.1017% | 2,582 |
| Pretax return on assets | 1.3973% | 2,160 |
| Return on Equity (ROE) | 7.2530% | 3,813 |
| Retained earnings to average equity (ytd only) | 7.2530% | 1,949 |
| Net charge-offs to loans | 0.0130% | 2,701 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 171.5000% | 471 |
| Efficiency ratio | 67.2397% | 2,774 |
| Assets per employee ($millions) | 3.4206% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,203 |
| Loan loss allowance to noncurrent loans | 66.6335% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.0483% | 1,424 |
| Noncurrent loans to loans | 1.6657% | 956 |
| Net loans and leases to total assets | 62.2348% | 3,572 |
| Net loans and leases to deposits | 73.8923% | 3,546 |
| Net loans and leases to core deposits | 75.6652% | 3,766 |
| Total domestic deposits to total assets | 84.2236% | 2,980 |
| Equity capital to assets | 15.6229% | 571 |
| Core capital (leverage) ratio | 15.8363% | 526 |
| Tier 1 risk-based capital ratio | 29.2809% | 504 |
| Total risk-based capital ratio | 30.5318% | 497 |
| Memoranda: | ||
| Average total assets | $96,758,330 | 4,232 |
| Average earning assets | $93,677,000 | 4,152 |
| Average equity | $14,697,330 | 3,717 |
| Average total loans | $61,747,000 | 4,120 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 2,852 |
| Cost of funding earning assets | 0.2588% | 4,656 |
| Net interest margin | 3.9503% | 1,868 |
| Noninterest income to average assets | 0.4812% | 2,928 |
| Noninterest expense to average assets | 2.8915% | 2,399 |
| Loan and lease loss provision to assets | 0.0411% | 2,935 |
| Net operating income to assets | 1.0859% | 2,492 |
| Return on assets (ROA) | 1.0859% | 2,510 |
| Pretax return on assets | 1.3779% | 2,079 |
| Return on Equity (ROE) | 7.2505% | 3,678 |
| Retained earnings to average equity (ytd only) | 7.2505% | 2,163 |
| Net charge-offs to loans | 0.0192% | 2,116 |
| Credit loss provision to net charge-offs | 333.3333% | 760 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 547 |
| Efficiency ratio | 67.0802% | 2,990 |
| Assets per employee ($millions) | 3.4385% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 3,378 |
| Loan loss allowance to noncurrent loans | 64.7683% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.0761% | 1,449 |
| Noncurrent loans to loans | 1.6992% | 1,005 |
| Net loans and leases to total assets | 62.6297% | 3,471 |
| Net loans and leases to deposits | 74.0798% | 3,407 |
| Net loans and leases to core deposits | 76.7678% | 3,601 |
| Total domestic deposits to total assets | 84.5436% | 3,103 |
| Equity capital to assets | 15.2612% | 615 |
| Core capital (leverage) ratio | 15.1421% | 627 |
| Tier 1 risk-based capital ratio | 27.8107% | 570 |
| Total risk-based capital ratio | 29.0621% | 563 |
| Memoranda: | ||
| Average total assets | $97,249,500 | 4,262 |
| Average earning assets | $94,271,000 | 4,186 |
| Average equity | $14,564,500 | 3,765 |
| Average total loans | $62,483,000 | 4,142 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1112% | 3,019 |
| Cost of funding earning assets | 0.2700% | 4,393 |
| Net interest margin | 3.8413% | 2,284 |
| Noninterest income to average assets | 0.5513% | 2,714 |
| Noninterest expense to average assets | 2.9420% | 2,309 |
| Loan and lease loss provision to assets | 0.0649% | 2,918 |
| Net operating income to assets | 0.8275% | 3,048 |
| Return on assets (ROA) | 0.8275% | 3,084 |
| Pretax return on assets | 1.2541% | 2,533 |
| Return on Equity (ROE) | 5.7252% | 3,863 |
| Retained earnings to average equity (ytd only) | 5.7252% | 1,694 |
| Net charge-offs to loans | 0.1759% | 1,415 |
| Credit loss provision to net charge-offs | 57.2727% | 3,243 |
| Earnings coverage of net charge-offs (x) | 11.6364% | 2,547 |
| Efficiency ratio | 69.0447% | 2,691 |
| Assets per employee ($millions) | 3.5079% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,696 |
| Loan loss allowance to noncurrent loans | 61.8826% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.0924% | 1,397 |
| Noncurrent loans to loans | 1.6766% | 980 |
| Net loans and leases to total assets | 64.4794% | 3,306 |
| Net loans and leases to deposits | 75.6793% | 3,358 |
| Net loans and leases to core deposits | 80.2222% | 3,402 |
| Total domestic deposits to total assets | 85.2009% | 2,758 |
| Equity capital to assets | 14.6973% | 735 |
| Core capital (leverage) ratio | 14.9334% | 634 |
| Tier 1 risk-based capital ratio | 25.9390% | 669 |
| Total risk-based capital ratio | 27.1887% | 655 |
| Memoranda: | ||
| Average total assets | $97,041,600 | 4,289 |
| Average earning assets | $93,718,800 | 4,205 |
| Average equity | $14,025,800 | 3,842 |
| Average total loans | $62,540,600 | 4,140 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 3,083 |
| Cost of funding earning assets | 0.2700% | 4,409 |
| Net interest margin | 3.8019% | 2,387 |
| Noninterest income to average assets | 0.5623% | 2,658 |
| Noninterest expense to average assets | 2.9451% | 2,264 |
| Loan and lease loss provision to assets | 0.0758% | 2,556 |
| Net operating income to assets | 0.7828% | 3,593 |
| Return on assets (ROA) | 0.7828% | 3,647 |
| Pretax return on assets | 1.2086% | 2,867 |
| Return on Equity (ROE) | 5.4392% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.4392% | 2,577 |
| Net charge-offs to loans | 0.2316% | 931 |
| Credit loss provision to net charge-offs | 50.9259% | 2,901 |
| Earnings coverage of net charge-offs (x) | 8.6294% | 2,757 |
| Efficiency ratio | 69.6318% | 2,596 |
| Assets per employee ($millions) | 3.5416% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 3,896 |
| Loan loss allowance to noncurrent loans | 59.6014% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.1133% | 1,491 |
| Noncurrent loans to loans | 1.7311% | 1,043 |
| Net loans and leases to total assets | 63.6475% | 3,462 |
| Net loans and leases to deposits | 74.4442% | 3,524 |
| Net loans and leases to core deposits | 78.1129% | 3,622 |
| Total domestic deposits to total assets | 85.4969% | 2,517 |
| Equity capital to assets | 14.3337% | 902 |
| Core capital (leverage) ratio | 14.7623% | 707 |
| Tier 1 risk-based capital ratio | 26.0540% | 670 |
| Total risk-based capital ratio | 27.3042% | 662 |
| Memoranda: | ||
| Average total assets | $96,746,500 | 4,334 |
| Average earning assets | $93,320,000 | 4,253 |
| Average equity | $13,923,250 | 3,892 |
| Average total loans | $62,176,500 | 4,180 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 3,161 |
| Cost of funding earning assets | 0.2714% | 4,362 |
| Net interest margin | 3.7431% | 2,503 |
| Noninterest income to average assets | 0.5879% | 2,522 |
| Noninterest expense to average assets | 2.9769% | 2,180 |
| Loan and lease loss provision to assets | 0.0417% | 3,166 |
| Net operating income to assets | 0.7776% | 3,504 |
| Return on assets (ROA) | 0.7776% | 3,556 |
| Pretax return on assets | 1.1924% | 2,793 |
| Return on Equity (ROE) | 5.3955% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.3955% | 2,469 |
| Net charge-offs to loans | 0.1006% | 1,618 |
| Credit loss provision to net charge-offs | 64.5161% | 2,423 |
| Earnings coverage of net charge-offs (x) | 19.0968% | 1,852 |
| Efficiency ratio | 70.6931% | 2,557 |
| Assets per employee ($millions) | 3.3545% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 3,569 |
| Loan loss allowance to noncurrent loans | 57.7082% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.2469% | 1,349 |
| Noncurrent loans to loans | 1.9109% | 906 |
| Net loans and leases to total assets | 64.5333% | 3,308 |
| Net loans and leases to deposits | 75.5288% | 3,397 |
| Net loans and leases to core deposits | 79.3212% | 3,479 |
| Total domestic deposits to total assets | 85.4420% | 2,630 |
| Equity capital to assets | 14.4100% | 850 |
| Core capital (leverage) ratio | 14.6793% | 702 |
| Tier 1 risk-based capital ratio | 27.3437% | 587 |
| Total risk-based capital ratio | 28.5960% | 577 |
| Memoranda: | ||
| Average total assets | $95,940,330 | 4,376 |
| Average earning assets | $92,864,000 | 4,293 |
| Average equity | $13,826,330 | 3,913 |
| Average total loans | $61,644,000 | 4,215 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 3,013 |
| Cost of funding earning assets | 0.2822% | 4,234 |
| Net interest margin | 3.7250% | 2,399 |
| Noninterest income to average assets | 0.5626% | 2,590 |
| Noninterest expense to average assets | 3.0734% | 1,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7264% | 3,584 |
| Return on assets (ROA) | 0.7264% | 3,632 |
| Pretax return on assets | 1.0916% | 3,022 |
| Return on Equity (ROE) | 5.0399% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.0399% | 2,868 |
| Net charge-offs to loans | -0.0066% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7903% | 2,264 |
| Assets per employee ($millions) | 3.2924% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 3,202 |
| Loan loss allowance to noncurrent loans | 54.8114% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.4034% | 1,188 |
| Noncurrent loans to loans | 2.1689% | 786 |
| Net loans and leases to total assets | 61.9822% | 3,537 |
| Net loans and leases to deposits | 72.6643% | 3,548 |
| Net loans and leases to core deposits | 75.8825% | 3,658 |
| Total domestic deposits to total assets | 85.2994% | 2,963 |
| Equity capital to assets | 14.4712% | 764 |
| Core capital (leverage) ratio | 14.5578% | 694 |
| Tier 1 risk-based capital ratio | 28.2181% | 547 |
| Total risk-based capital ratio | 29.4721% | 531 |
| Memoranda: | ||
| Average total assets | $95,270,500 | 4,438 |
| Average earning assets | $92,134,500 | 4,347 |
| Average equity | $13,730,500 | 3,956 |
| Average total loans | $60,727,000 | 4,279 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 2,048 |
| Cost of funding earning assets | 0.2872% | 4,196 |
| Net interest margin | 4.0425% | 1,517 |
| Noninterest income to average assets | 0.5421% | 2,964 |
| Noninterest expense to average assets | 2.9600% | 2,465 |
| Loan and lease loss provision to assets | 0.0687% | 2,988 |
| Net operating income to assets | 0.9543% | 2,559 |
| Return on assets (ROA) | 0.9543% | 2,668 |
| Pretax return on assets | 1.4256% | 1,834 |
| Return on Equity (ROE) | 6.8347% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.8347% | 1,294 |
| Net charge-offs to loans | 0.1162% | 2,099 |
| Credit loss provision to net charge-offs | 85.5263% | 2,884 |
| Earnings coverage of net charge-offs (x) | 18.6053% | 1,957 |
| Efficiency ratio | 66.4531% | 3,518 |
| Assets per employee ($millions) | 3.2780% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 3,403 |
| Loan loss allowance to noncurrent loans | 51.7091% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.4464% | 1,172 |
| Noncurrent loans to loans | 2.2335% | 758 |
| Net loans and leases to total assets | 64.0119% | 3,356 |
| Net loans and leases to deposits | 74.8208% | 3,437 |
| Net loans and leases to core deposits | 78.1333% | 3,563 |
| Total domestic deposits to total assets | 85.5536% | 2,807 |
| Equity capital to assets | 14.3527% | 782 |
| Core capital (leverage) ratio | 14.7747% | 638 |
| Tier 1 risk-based capital ratio | 27.5208% | 594 |
| Total risk-based capital ratio | 28.7734% | 578 |
| Memoranda: | ||
| Average total assets | $94,627,800 | 4,453 |
| Average earning assets | $91,578,000 | 4,358 |
| Average equity | $13,212,000 | 4,063 |
| Average total loans | $65,396,200 | 4,153 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 1,945 |
| Cost of funding earning assets | 0.2916% | 4,194 |
| Net interest margin | 4.0785% | 1,449 |
| Noninterest income to average assets | 0.5628% | 2,858 |
| Noninterest expense to average assets | 2.9468% | 2,474 |
| Loan and lease loss provision to assets | 0.0917% | 2,395 |
| Net operating income to assets | 0.9747% | 2,547 |
| Return on assets (ROA) | 0.9747% | 2,676 |
| Pretax return on assets | 1.4699% | 1,808 |
| Return on Equity (ROE) | 7.0308% | 3,547 |
| Retained earnings to average equity (ytd only) | 7.0308% | 1,618 |
| Net charge-offs to loans | 0.1487% | 1,508 |
| Credit loss provision to net charge-offs | 87.8378% | 2,564 |
| Earnings coverage of net charge-offs (x) | 14.9601% | 2,211 |
| Efficiency ratio | 65.3630% | 3,697 |
| Assets per employee ($millions) | 3.2445% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 3,589 |
| Loan loss allowance to noncurrent loans | 38.6869% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 1.9587% | 801 |
| Noncurrent loans to loans | 2.9552% | 515 |
| Net loans and leases to total assets | 65.5238% | 3,200 |
| Net loans and leases to deposits | 76.6120% | 3,338 |
| Net loans and leases to core deposits | 80.0353% | 3,440 |
| Total domestic deposits to total assets | 85.5268% | 2,594 |
| Equity capital to assets | 14.2819% | 935 |
| Core capital (leverage) ratio | 14.3175% | 772 |
| Tier 1 risk-based capital ratio | 27.4919% | 612 |
| Total risk-based capital ratio | 28.7445% | 597 |
| Memoranda: | ||
| Average total assets | $94,519,250 | 4,494 |
| Average earning assets | $91,436,250 | 4,393 |
| Average equity | $13,104,000 | 4,107 |
| Average total loans | $66,354,750 | 4,157 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 1,702 |
| Cost of funding earning assets | 0.2907% | 4,241 |
| Net interest margin | 4.1512% | 1,222 |
| Noninterest income to average assets | 0.5726% | 2,778 |
| Noninterest expense to average assets | 2.9051% | 2,657 |
| Loan and lease loss provision to assets | 0.1268% | 1,797 |
| Net operating income to assets | 1.0247% | 2,276 |
| Return on assets (ROA) | 1.0247% | 2,413 |
| Pretax return on assets | 1.5529% | 1,512 |
| Return on Equity (ROE) | 7.4657% | 3,282 |
| Retained earnings to average equity (ytd only) | 7.4657% | 1,404 |
| Net charge-offs to loans | 0.1980% | 1,158 |
| Credit loss provision to net charge-offs | 89.5522% | 2,245 |
| Earnings coverage of net charge-offs (x) | 11.8657% | 2,226 |
| Efficiency ratio | 63.3641% | 4,127 |
| Assets per employee ($millions) | 3.2581% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,941 |
| Loan loss allowance to noncurrent loans | 45.4545% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 1.7526% | 1,004 |
| Noncurrent loans to loans | 2.4216% | 739 |
| Net loans and leases to total assets | 67.9900% | 2,776 |
| Net loans and leases to deposits | 79.2131% | 3,033 |
| Net loans and leases to core deposits | 82.7176% | 3,205 |
| Total domestic deposits to total assets | 85.8318% | 2,502 |
| Equity capital to assets | 14.0084% | 1,025 |
| Core capital (leverage) ratio | 14.2062% | 770 |
| Tier 1 risk-based capital ratio | 25.6268% | 757 |
| Total risk-based capital ratio | 26.8784% | 741 |
| Memoranda: | ||
| Average total assets | $94,662,000 | 4,521 |
| Average earning assets | $91,491,670 | 4,431 |
| Average equity | $12,992,670 | 4,150 |
| Average total loans | $67,684,670 | 4,159 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 1,444 |
| Cost of funding earning assets | 0.2928% | 4,252 |
| Net interest margin | 4.2304% | 1,036 |
| Noninterest income to average assets | 0.5741% | 2,659 |
| Noninterest expense to average assets | 2.9129% | 2,663 |
| Loan and lease loss provision to assets | 0.1266% | 1,673 |
| Net operating income to assets | 1.0681% | 2,017 |
| Return on assets (ROA) | 1.0681% | 2,135 |
| Pretax return on assets | 1.6211% | 1,247 |
| Return on Equity (ROE) | 7.8626% | 2,996 |
| Retained earnings to average equity (ytd only) | 7.8626% | 1,518 |
| Net charge-offs to loans | 0.0927% | 1,583 |
| Credit loss provision to net charge-offs | 187.5000% | 1,123 |
| Earnings coverage of net charge-offs (x) | 25.8750% | 1,282 |
| Efficiency ratio | 62.5000% | 4,372 |
| Assets per employee ($millions) | 3.3371% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 4,078 |
| Loan loss allowance to noncurrent loans | 48.4529% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.6695% | 1,174 |
| Noncurrent loans to loans | 2.2619% | 891 |
| Net loans and leases to total assets | 71.0827% | 2,177 |
| Net loans and leases to deposits | 82.8580% | 2,451 |
| Net loans and leases to core deposits | 85.7263% | 2,772 |
| Total domestic deposits to total assets | 85.7886% | 2,768 |
| Equity capital to assets | 13.9128% | 1,020 |
| Core capital (leverage) ratio | 13.7735% | 877 |
| Tier 1 risk-based capital ratio | 24.8304% | 832 |
| Total risk-based capital ratio | 26.0822% | 812 |
| Memoranda: | ||
| Average total assets | $94,750,000 | 4,561 |
| Average earning assets | $91,527,500 | 4,469 |
| Average equity | $12,871,000 | 4,181 |
| Average total loans | $69,049,000 | 4,133 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6446% | 1,225 |
| Cost of funding earning assets | 0.2902% | 4,369 |
| Net interest margin | 4.3545% | 868 |
| Noninterest income to average assets | 0.7426% | 2,012 |
| Noninterest expense to average assets | 3.1336% | 2,138 |
| Loan and lease loss provision to assets | 0.1332% | 1,789 |
| Net operating income to assets | 1.0900% | 1,967 |
| Return on assets (ROA) | 1.0900% | 2,033 |
| Pretax return on assets | 1.6813% | 1,041 |
| Return on Equity (ROE) | 8.3682% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.3682% | 808 |
| Net charge-offs to loans | 0.1114% | 2,262 |
| Credit loss provision to net charge-offs | 162.3377% | 1,655 |
| Earnings coverage of net charge-offs (x) | 22.1169% | 1,785 |
| Efficiency ratio | 63.3290% | 4,393 |
| Assets per employee ($millions) | 3.3121% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 4,497 |
| Loan loss allowance to noncurrent loans | 48.5868% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 1.5471% | 1,287 |
| Noncurrent loans to loans | 2.0946% | 979 |
| Net loans and leases to total assets | 73.1088% | 1,870 |
| Net loans and leases to deposits | 84.3931% | 2,319 |
| Net loans and leases to core deposits | 87.4799% | 2,653 |
| Total domestic deposits to total assets | 86.6288% | 2,306 |
| Equity capital to assets | 13.2660% | 1,225 |
| Core capital (leverage) ratio | 13.6501% | 920 |
| Tier 1 risk-based capital ratio | 22.9474% | 1,017 |
| Total risk-based capital ratio | 24.2011% | 1,005 |
| Memoranda: | ||
| Average total assets | $93,854,400 | 4,583 |
| Average earning assets | $90,642,600 | 4,493 |
| Average equity | $12,224,800 | 4,261 |
| Average total loans | $69,102,200 | 4,119 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6270% | 1,271 |
| Cost of funding earning assets | 0.2929% | 4,420 |
| Net interest margin | 4.3341% | 900 |
| Noninterest income to average assets | 0.7988% | 1,812 |
| Noninterest expense to average assets | 3.1166% | 2,180 |
| Loan and lease loss provision to assets | 0.1215% | 1,872 |
| Net operating income to assets | 1.1189% | 1,927 |
| Return on assets (ROA) | 1.1189% | 2,001 |
| Pretax return on assets | 1.7476% | 999 |
| Return on Equity (ROE) | 8.6311% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.6311% | 1,026 |
| Net charge-offs to loans | 0.1282% | 1,851 |
| Credit loss provision to net charge-offs | 128.7879% | 1,888 |
| Earnings coverage of net charge-offs (x) | 19.8177% | 1,911 |
| Efficiency ratio | 62.5107% | 4,491 |
| Assets per employee ($millions) | 3.0954% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 4,858 |
| Loan loss allowance to noncurrent loans | 44.2738% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 1.8027% | 1,188 |
| Noncurrent loans to loans | 2.2077% | 995 |
| Net loans and leases to total assets | 75.4937% | 1,461 |
| Net loans and leases to deposits | 87.4182% | 1,980 |
| Net loans and leases to core deposits | 90.7332% | 2,384 |
| Total domestic deposits to total assets | 86.3593% | 2,356 |
| Equity capital to assets | 13.4727% | 1,237 |
| Core capital (leverage) ratio | 13.3164% | 1,086 |
| Tier 1 risk-based capital ratio | 22.6789% | 1,100 |
| Total risk-based capital ratio | 23.9290% | 1,078 |
| Memoranda: | ||
| Average total assets | $93,305,500 | 4,646 |
| Average earning assets | $90,136,250 | 4,554 |
| Average equity | $12,095,500 | 4,339 |
| Average total loans | $68,642,000 | 4,167 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4976% | 1,544 |
| Cost of funding earning assets | 0.2942% | 4,453 |
| Net interest margin | 4.2033% | 1,104 |
| Noninterest income to average assets | 0.8774% | 1,521 |
| Noninterest expense to average assets | 3.1866% | 2,018 |
| Loan and lease loss provision to assets | 0.0321% | 3,475 |
| Net operating income to assets | 1.1364% | 1,819 |
| Return on assets (ROA) | 1.1364% | 1,899 |
| Pretax return on assets | 1.7249% | 1,035 |
| Return on Equity (ROE) | 8.8818% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.8818% | 966 |
| Net charge-offs to loans | 0.0618% | 2,496 |
| Credit loss provision to net charge-offs | 71.4286% | 2,441 |
| Earnings coverage of net charge-offs (x) | 39.0952% | 1,147 |
| Efficiency ratio | 64.4589% | 4,283 |
| Assets per employee ($millions) | 3.2130% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 5,119 |
| Loan loss allowance to noncurrent loans | 29.5263% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 2.3882% | 822 |
| Noncurrent loans to loans | 3.1993% | 589 |
| Net loans and leases to total assets | 72.5618% | 1,888 |
| Net loans and leases to deposits | 83.2516% | 2,407 |
| Net loans and leases to core deposits | 86.2535% | 2,742 |
| Total domestic deposits to total assets | 87.1596% | 2,079 |
| Equity capital to assets | 12.7201% | 1,531 |
| Core capital (leverage) ratio | 12.9652% | 1,183 |
| Tier 1 risk-based capital ratio | 22.1347% | 1,186 |
| Total risk-based capital ratio | 23.3401% | 1,176 |
| Memoranda: | ||
| Average total assets | $93,453,330 | 4,692 |
| Average earning assets | $90,404,330 | 4,588 |
| Average equity | $11,957,000 | 4,388 |
| Average total loans | $67,923,670 | 4,216 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4836% | 1,508 |
| Cost of funding earning assets | 0.2971% | 4,474 |
| Net interest margin | 4.1865% | 1,092 |
| Noninterest income to average assets | 0.5479% | 2,961 |
| Noninterest expense to average assets | 3.4745% | 1,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7566% | 3,502 |
| Return on assets (ROA) | 0.7566% | 3,638 |
| Pretax return on assets | 1.1176% | 3,004 |
| Return on Equity (ROE) | 5.8958% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.8958% | 2,553 |
| Net charge-offs to loans | 0.1262% | 1,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 12.2381% | 1,808 |
| Efficiency ratio | 75.6629% | 2,558 |
| Assets per employee ($millions) | 3.1976% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 5,210 |
| Loan loss allowance to noncurrent loans | 39.7319% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 1.9282% | 1,252 |
| Noncurrent loans to loans | 2.4111% | 1,020 |
| Net loans and leases to total assets | 72.6935% | 1,701 |
| Net loans and leases to deposits | 83.5737% | 2,134 |
| Net loans and leases to core deposits | 86.7118% | 2,470 |
| Total domestic deposits to total assets | 86.9814% | 2,378 |
| Equity capital to assets | 12.8342% | 1,493 |
| Core capital (leverage) ratio | 12.7881% | 1,240 |
| Tier 1 risk-based capital ratio | 21.8189% | 1,270 |
| Total risk-based capital ratio | 23.0154% | 1,254 |
| Memoranda: | ||
| Average total assets | $91,984,500 | 4,769 |
| Average earning assets | $88,858,000 | 4,660 |
| Average equity | $11,805,000 | 4,448 |
| Average total loans | $66,580,500 | 4,285 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4340% | 2,119 |
| Cost of funding earning assets | 0.3133% | 4,647 |
| Net interest margin | 4.1207% | 1,511 |
| Noninterest income to average assets | 0.6728% | 2,439 |
| Noninterest expense to average assets | 3.0523% | 2,679 |
| Loan and lease loss provision to assets | 0.0652% | 3,199 |
| Net operating income to assets | 1.0066% | 2,349 |
| Return on assets (ROA) | 1.0066% | 2,435 |
| Pretax return on assets | 1.5305% | 1,439 |
| Return on Equity (ROE) | 8.2368% | 3,001 |
| Retained earnings to average equity (ytd only) | 8.2368% | 937 |
| Net charge-offs to loans | 0.2872% | 1,514 |
| Credit loss provision to net charge-offs | 32.6087% | 3,799 |
| Earnings coverage of net charge-offs (x) | 7.9783% | 2,941 |
| Efficiency ratio | 65.6688% | 4,312 |
| Assets per employee ($millions) | 3.0413% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 4,883 |
| Loan loss allowance to noncurrent loans | 43.4194% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 1.8172% | 1,432 |
| Noncurrent loans to loans | 2.3809% | 1,084 |
| Net loans and leases to total assets | 70.6138% | 2,139 |
| Net loans and leases to deposits | 81.0680% | 2,593 |
| Net loans and leases to core deposits | 84.1536% | 2,886 |
| Total domestic deposits to total assets | 87.1043% | 2,224 |
| Equity capital to assets | 12.8332% | 1,448 |
| Core capital (leverage) ratio | 12.8459% | 1,200 |
| Tier 1 risk-based capital ratio | 21.6023% | 1,290 |
| Total risk-based capital ratio | 22.8432% | 1,270 |
| Memoranda: | ||
| Average total assets | $91,997,000 | 4,787 |
| Average earning assets | $88,746,000 | 4,684 |
| Average equity | $11,242,200 | 4,513 |
| Average total loans | $64,075,000 | 4,361 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 2,361 |
| Cost of funding earning assets | 0.3165% | 4,712 |
| Net interest margin | 4.0502% | 1,721 |
| Noninterest income to average assets | 0.6884% | 2,387 |
| Noninterest expense to average assets | 3.0329% | 2,696 |
| Loan and lease loss provision to assets | 0.0868% | 2,613 |
| Net operating income to assets | 0.9618% | 2,636 |
| Return on assets (ROA) | 0.9618% | 2,708 |
| Pretax return on assets | 1.4738% | 1,729 |
| Return on Equity (ROE) | 7.9694% | 3,228 |
| Retained earnings to average equity (ytd only) | 7.9694% | 1,376 |
| Net charge-offs to loans | 0.3802% | 1,050 |
| Credit loss provision to net charge-offs | 32.9670% | 3,411 |
| Earnings coverage of net charge-offs (x) | 5.9286% | 3,169 |
| Efficiency ratio | 66.0264% | 4,212 |
| Assets per employee ($millions) | 3.0687% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 5,180 |
| Loan loss allowance to noncurrent loans | 44.4079% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 1.7695% | 1,688 |
| Noncurrent loans to loans | 2.2693% | 1,324 |
| Net loans and leases to total assets | 72.0251% | 1,846 |
| Net loans and leases to deposits | 82.4335% | 2,370 |
| Net loans and leases to core deposits | 85.5265% | 2,713 |
| Total domestic deposits to total assets | 87.3736% | 2,107 |
| Equity capital to assets | 12.4374% | 1,745 |
| Core capital (leverage) ratio | 12.4199% | 1,449 |
| Tier 1 risk-based capital ratio | 20.9548% | 1,460 |
| Total risk-based capital ratio | 22.1895% | 1,442 |
| Memoranda: | ||
| Average total assets | $92,186,250 | 4,839 |
| Average earning assets | $88,882,000 | 4,732 |
| Average equity | $11,125,500 | 4,568 |
| Average total loans | $63,818,500 | 4,407 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 2,704 |
| Cost of funding earning assets | 0.3192% | 4,769 |
| Net interest margin | 3.9497% | 1,968 |
| Noninterest income to average assets | 0.6896% | 2,330 |
| Noninterest expense to average assets | 3.0403% | 2,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9672% | 2,465 |
| Return on assets (ROA) | 0.9672% | 2,556 |
| Pretax return on assets | 1.4594% | 1,676 |
| Return on Equity (ROE) | 8.0963% | 3,038 |
| Retained earnings to average equity (ytd only) | 8.0963% | 1,292 |
| Net charge-offs to loans | 0.2709% | 1,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.9176% | 2,561 |
| Efficiency ratio | 67.5663% | 4,094 |
| Assets per employee ($millions) | 3.1233% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 4,772 |
| Loan loss allowance to noncurrent loans | 45.3792% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 1.7044% | 1,917 |
| Noncurrent loans to loans | 2.4879% | 1,250 |
| Net loans and leases to total assets | 66.5450% | 2,666 |
| Net loans and leases to deposits | 75.7287% | 3,093 |
| Net loans and leases to core deposits | 78.4973% | 3,379 |
| Total domestic deposits to total assets | 87.8729% | 1,983 |
| Equity capital to assets | 11.9959% | 1,983 |
| Core capital (leverage) ratio | 12.1476% | 1,575 |
| Tier 1 risk-based capital ratio | 21.8082% | 1,289 |
| Total risk-based capital ratio | 23.0601% | 1,266 |
| Memoranda: | ||
| Average total assets | $92,228,000 | 4,869 |
| Average earning assets | $88,968,000 | 4,753 |
| Average equity | $11,017,330 | 4,604 |
| Average total loans | $62,764,000 | 4,461 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3028% | 2,505 |
| Cost of funding earning assets | 0.3177% | 4,891 |
| Net interest margin | 3.9850% | 1,818 |
| Noninterest income to average assets | 0.6383% | 2,531 |
| Noninterest expense to average assets | 2.8593% | 3,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0624% | 1,958 |
| Return on assets (ROA) | 1.0624% | 2,030 |
| Pretax return on assets | 1.6176% | 1,140 |
| Return on Equity (ROE) | 8.9125% | 2,502 |
| Retained earnings to average equity (ytd only) | 8.9125% | 1,273 |
| Net charge-offs to loans | 0.3897% | 937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.0656% | 2,284 |
| Efficiency ratio | 63.8672% | 4,877 |
| Assets per employee ($millions) | 3.0820% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 4,691 |
| Loan loss allowance to noncurrent loans | 39.8916% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 2.3070% | 1,419 |
| Noncurrent loans to loans | 2.9784% | 1,065 |
| Net loans and leases to total assets | 66.2023% | 2,535 |
| Net loans and leases to deposits | 75.4003% | 2,886 |
| Net loans and leases to core deposits | 78.1927% | 3,181 |
| Total domestic deposits to total assets | 87.8011% | 2,345 |
| Equity capital to assets | 11.9437% | 1,907 |
| Core capital (leverage) ratio | 12.0964% | 1,601 |
| Tier 1 risk-based capital ratio | 21.9052% | 1,305 |
| Total risk-based capital ratio | 23.1580% | 1,279 |
| Memoranda: | ||
| Average total assets | $91,492,500 | 4,925 |
| Average earning assets | $88,129,500 | 4,818 |
| Average equity | $10,906,000 | 4,642 |
| Average total loans | $62,614,000 | 4,508 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 2,418 |
| Cost of funding earning assets | 0.3407% | 5,233 |
| Net interest margin | 4.1035% | 1,625 |
| Noninterest income to average assets | 0.6503% | 2,805 |
| Noninterest expense to average assets | 3.0308% | 2,965 |
| Loan and lease loss provision to assets | 0.2552% | 1,412 |
| Net operating income to assets | 0.8915% | 2,827 |
| Return on assets (ROA) | 0.8915% | 2,916 |
| Pretax return on assets | 1.3060% | 2,123 |
| Return on Equity (ROE) | 8.0352% | 3,023 |
| Retained earnings to average equity (ytd only) | 7.9382% | 1,076 |
| Net charge-offs to loans | 0.5081% | 1,307 |
| Credit loss provision to net charge-offs | 71.6012% | 3,259 |
| Earnings coverage of net charge-offs (x) | 4.3807% | 3,583 |
| Efficiency ratio | 66.0023% | 4,558 |
| Assets per employee ($millions) | 3.1216% | 5,635 |
| Cash dividends to net income (ytd only)* | 1.2077% | 4,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 4,347 |
| Loan loss allowance to noncurrent loans | 30.9515% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 2.9737% | 1,065 |
| Noncurrent loans to loans | 4.0691% | 708 |
| Net loans and leases to total assets | 69.0244% | 2,167 |
| Net loans and leases to deposits | 78.4071% | 2,677 |
| Net loans and leases to core deposits | 80.7842% | 3,038 |
| Total domestic deposits to total assets | 88.0333% | 2,157 |
| Equity capital to assets | 11.8960% | 1,869 |
| Core capital (leverage) ratio | 12.0712% | 1,553 |
| Tier 1 risk-based capital ratio | 20.8361% | 1,457 |
| Total risk-based capital ratio | 22.0894% | 1,437 |
| Memoranda: | ||
| Average total assets | $92,878,800 | 4,910 |
| Average earning assets | $89,217,200 | 4,799 |
| Average equity | $10,304,600 | 4,784 |
| Average total loans | $65,151,000 | 4,436 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 2,533 |
| Cost of funding earning assets | 0.3447% | 5,341 |
| Net interest margin | 4.0741% | 1,707 |
| Noninterest income to average assets | 0.6091% | 3,087 |
| Noninterest expense to average assets | 3.0727% | 2,752 |
| Loan and lease loss provision to assets | 0.4208% | 697 |
| Net operating income to assets | 0.6590% | 4,075 |
| Return on assets (ROA) | 0.6590% | 4,208 |
| Pretax return on assets | 1.0271% | 3,389 |
| Return on Equity (ROE) | 6.0458% | 4,165 |
| Retained earnings to average equity (ytd only) | 6.0458% | 2,379 |
| Net charge-offs to loans | 0.6604% | 920 |
| Credit loss provision to net charge-offs | 90.7692% | 2,620 |
| Earnings coverage of net charge-offs (x) | 3.1231% | 3,792 |
| Efficiency ratio | 67.9710% | 4,109 |
| Assets per employee ($millions) | 3.1025% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 4,278 |
| Loan loss allowance to noncurrent loans | 46.9722% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 2.1584% | 1,851 |
| Noncurrent loans to loans | 2.8153% | 1,478 |
| Net loans and leases to total assets | 71.4070% | 1,701 |
| Net loans and leases to deposits | 80.9177% | 2,277 |
| Net loans and leases to core deposits | 83.3759% | 2,722 |
| Total domestic deposits to total assets | 88.2465% | 1,971 |
| Equity capital to assets | 11.5746% | 2,241 |
| Core capital (leverage) ratio | 11.6213% | 1,930 |
| Tier 1 risk-based capital ratio | 19.4143% | 1,883 |
| Total risk-based capital ratio | 20.6683% | 1,853 |
| Memoranda: | ||
| Average total assets | $93,467,000 | 4,945 |
| Average earning assets | $89,736,250 | 4,818 |
| Average equity | $10,188,500 | 4,850 |
| Average total loans | $65,618,250 | 4,462 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3435% | 2,779 |
| Cost of funding earning assets | 0.3504% | 5,403 |
| Net interest margin | 3.9932% | 1,884 |
| Noninterest income to average assets | 0.6129% | 3,112 |
| Noninterest expense to average assets | 3.0561% | 2,815 |
| Loan and lease loss provision to assets | 0.6235% | 399 |
| Net operating income to assets | 0.4755% | 4,900 |
| Return on assets (ROA) | 0.4755% | 5,084 |
| Pretax return on assets | 0.7630% | 4,453 |
| Return on Equity (ROE) | 4.4496% | 5,023 |
| Retained earnings to average equity (ytd only) | 4.4496% | 3,433 |
| Net charge-offs to loans | 0.9789% | 625 |
| Credit loss provision to net charge-offs | 91.6149% | 2,402 |
| Earnings coverage of net charge-offs (x) | 2.0373% | 3,838 |
| Efficiency ratio | 68.7916% | 4,042 |
| Assets per employee ($millions) | 3.1038% | 5,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 4,275 |
| Loan loss allowance to noncurrent loans | 45.7870% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 2.2208% | 1,941 |
| Noncurrent loans to loans | 2.9443% | 1,520 |
| Net loans and leases to total assets | 70.2414% | 1,842 |
| Net loans and leases to deposits | 79.3815% | 2,417 |
| Net loans and leases to core deposits | 81.7811% | 2,824 |
| Total domestic deposits to total assets | 88.4859% | 1,923 |
| Equity capital to assets | 11.3086% | 2,455 |
| Core capital (leverage) ratio | 11.0810% | 2,283 |
| Tier 1 risk-based capital ratio | 19.6096% | 1,827 |
| Total risk-based capital ratio | 20.8635% | 1,797 |
| Memoranda: | ||
| Average total assets | $94,631,670 | 4,943 |
| Average earning assets | $90,755,330 | 4,821 |
| Average equity | $10,113,330 | 4,912 |
| Average total loans | $65,788,330 | 4,474 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3318% | 2,760 |
| Cost of funding earning assets | 0.3707% | 5,362 |
| Net interest margin | 3.9611% | 1,915 |
| Noninterest income to average assets | 0.5282% | 3,584 |
| Noninterest expense to average assets | 3.0988% | 2,674 |
| Loan and lease loss provision to assets | 0.3425% | 971 |
| Net operating income to assets | 0.5447% | 4,478 |
| Return on assets (ROA) | 0.5447% | 4,628 |
| Pretax return on assets | 0.8789% | 3,844 |
| Return on Equity (ROE) | 5.2378% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.2378% | 3,088 |
| Net charge-offs to loans | 1.9028% | 249 |
| Credit loss provision to net charge-offs | 26.1830% | 2,947 |
| Earnings coverage of net charge-offs (x) | 0.9338% | 3,522 |
| Efficiency ratio | 71.7287% | 3,669 |
| Assets per employee ($millions) | 3.2980% | 5,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 5,745 |
| Loan loss allowance to noncurrent loans | 32.3486% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 2.4989% | 1,848 |
| Noncurrent loans to loans | 3.2792% | 1,480 |
| Net loans and leases to total assets | 64.0702% | 2,695 |
| Net loans and leases to deposits | 71.8450% | 3,201 |
| Net loans and leases to core deposits | 73.4238% | 3,647 |
| Total domestic deposits to total assets | 89.1784% | 1,579 |
| Equity capital to assets | 10.6083% | 3,425 |
| Core capital (leverage) ratio | 10.2046% | 3,141 |
| Tier 1 risk-based capital ratio | 19.6725% | 1,859 |
| Total risk-based capital ratio | 20.9224% | 1,834 |
| Memoranda: | ||
| Average total assets | $96,942,000 | 4,930 |
| Average earning assets | $92,801,500 | 4,826 |
| Average equity | $10,080,500 | 4,967 |
| Average total loans | $66,638,000 | 4,468 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 2,470 |
| Cost of funding earning assets | 0.4584% | 5,513 |
| Net interest margin | 4.2723% | 1,466 |
| Noninterest income to average assets | 0.7431% | 2,531 |
| Noninterest expense to average assets | 3.0280% | 3,173 |
| Loan and lease loss provision to assets | 0.1231% | 4,080 |
| Net operating income to assets | 1.0814% | 2,003 |
| Return on assets (ROA) | 1.0814% | 2,191 |
| Pretax return on assets | 1.6736% | 1,202 |
| Return on Equity (ROE) | 10.6352% | 1,923 |
| Retained earnings to average equity (ytd only) | 10.6352% | 483 |
| Net charge-offs to loans | 0.1110% | 4,566 |
| Credit loss provision to net charge-offs | 143.7500% | 1,896 |
| Earnings coverage of net charge-offs (x) | 20.9750% | 1,323 |
| Efficiency ratio | 62.7608% | 5,124 |
| Assets per employee ($millions) | 3.1691% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 4,881 |
| Loan loss allowance to noncurrent loans | 37.9795% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 3.0262% | 1,561 |
| Noncurrent loans to loans | 3.2884% | 1,559 |
| Net loans and leases to total assets | 71.7107% | 1,530 |
| Net loans and leases to deposits | 79.9133% | 2,296 |
| Net loans and leases to core deposits | 81.8482% | 2,793 |
| Total domestic deposits to total assets | 89.7356% | 1,101 |
| Equity capital to assets | 10.1942% | 3,896 |
| Core capital (leverage) ratio | 9.8535% | 3,602 |
| Tier 1 risk-based capital ratio | 17.8896% | 2,292 |
| Total risk-based capital ratio | 19.1436% | 2,261 |
| Memoranda: | ||
| Average total assets | $93,394,200 | 4,995 |
| Average earning assets | $89,225,000 | 4,891 |
| Average equity | $9,496,800 | 5,110 |
| Average total loans | $72,083,400 | 4,275 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 2,741 |
| Cost of funding earning assets | 0.4689% | 5,652 |
| Net interest margin | 4.2462% | 1,607 |
| Noninterest income to average assets | 0.7232% | 2,604 |
| Noninterest expense to average assets | 2.9824% | 3,297 |
| Loan and lease loss provision to assets | 0.1302% | 3,925 |
| Net operating income to assets | 1.0689% | 2,220 |
| Return on assets (ROA) | 1.0689% | 2,430 |
| Pretax return on assets | 1.6706% | 1,361 |
| Return on Equity (ROE) | 10.5187% | 2,129 |
| Retained earnings to average equity (ytd only) | 10.5187% | 783 |
| Net charge-offs to loans | 0.2232% | 3,383 |
| Credit loss provision to net charge-offs | 74.3802% | 3,786 |
| Earnings coverage of net charge-offs (x) | 10.2892% | 2,202 |
| Efficiency ratio | 62.3526% | 5,093 |
| Assets per employee ($millions) | 3.3381% | 5,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 5,916 |
| Loan loss allowance to noncurrent loans | 31.0267% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 2.8276% | 1,862 |
| Noncurrent loans to loans | 3.3660% | 1,629 |
| Net loans and leases to total assets | 75.5404% | 1,039 |
| Net loans and leases to deposits | 83.5230% | 1,926 |
| Net loans and leases to core deposits | 85.8992% | 2,476 |
| Total domestic deposits to total assets | 90.4427% | 614 |
| Equity capital to assets | 9.4191% | 5,307 |
| Core capital (leverage) ratio | 9.6694% | 4,012 |
| Tier 1 risk-based capital ratio | 16.0756% | 3,228 |
| Total risk-based capital ratio | 17.3267% | 3,196 |
| Memoranda: | ||
| Average total assets | $92,182,250 | 5,072 |
| Average earning assets | $88,139,250 | 4,968 |
| Average equity | $9,367,250 | 5,185 |
| Average total loans | $72,269,000 | 4,314 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8460% | 2,321 |
| Cost of funding earning assets | 0.4877% | 5,700 |
| Net interest margin | 4.3583% | 1,311 |
| Noninterest income to average assets | 0.7487% | 2,419 |
| Noninterest expense to average assets | 3.1442% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1740% | 1,804 |
| Return on assets (ROA) | 1.1740% | 2,006 |
| Pretax return on assets | 1.7689% | 1,098 |
| Return on Equity (ROE) | 11.2330% | 1,908 |
| Retained earnings to average equity (ytd only) | 11.2330% | 703 |
| Net charge-offs to loans | 0.0914% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 24.4375% | 1,220 |
| Efficiency ratio | 63.9963% | 4,904 |
| Assets per employee ($millions) | 3.1918% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 5,976 |
| Loan loss allowance to noncurrent loans | 110.7527% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 1.0541% | 4,274 |
| Noncurrent loans to loans | 0.9453% | 4,618 |
| Net loans and leases to total assets | 78.7096% | 652 |
| Net loans and leases to deposits | 87.2126% | 1,449 |
| Net loans and leases to core deposits | 89.8125% | 2,007 |
| Total domestic deposits to total assets | 90.2502% | 794 |
| Equity capital to assets | 9.6224% | 4,880 |
| Core capital (leverage) ratio | 10.8826% | 2,407 |
| Tier 1 risk-based capital ratio | 15.6879% | 3,339 |
| Total risk-based capital ratio | 16.9389% | 3,302 |
| Memoranda: | ||
| Average total assets | $88,416,000 | 5,215 |
| Average earning assets | $84,481,670 | 5,089 |
| Average equity | $9,240,670 | 5,216 |
| Average total loans | $70,027,000 | 4,419 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1558% | 1,415 |
| Cost of funding earning assets | 0.5549% | 5,465 |
| Net interest margin | 4.6008% | 825 |
| Noninterest income to average assets | 0.7360% | 2,465 |
| Noninterest expense to average assets | 3.4443% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1160% | 2,006 |
| Return on assets (ROA) | 1.1160% | 2,191 |
| Pretax return on assets | 1.6789% | 1,364 |
| Return on Equity (ROE) | 10.1972% | 2,328 |
| Retained earnings to average equity (ytd only) | 10.1972% | 1,216 |
| Net charge-offs to loans | -0.0244% | 6,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2300% | 4,316 |
| Assets per employee ($millions) | 2.9590% | 6,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 4,692 |
| Loan loss allowance to noncurrent loans | 92.4731% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.1316% | 4,241 |
| Noncurrent loans to loans | 1.4910% | 3,881 |
| Net loans and leases to total assets | 71.6878% | 1,454 |
| Net loans and leases to deposits | 80.5268% | 2,141 |
| Net loans and leases to core deposits | 83.6258% | 2,593 |
| Total domestic deposits to total assets | 89.0236% | 1,685 |
| Equity capital to assets | 10.7410% | 3,221 |
| Core capital (leverage) ratio | 11.1399% | 2,153 |
| Tier 1 risk-based capital ratio | 17.6797% | 2,415 |
| Total risk-based capital ratio | 18.9239% | 2,386 |
| Memoranda: | ||
| Average total assets | $83,151,000 | 5,385 |
| Average earning assets | $79,290,000 | 5,259 |
| Average equity | $9,100,500 | 5,260 |
| Average total loans | $65,688,500 | 4,599 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3459% | 1,575 |
| Cost of funding earning assets | 0.6899% | 5,609 |
| Net interest margin | 4.6561% | 822 |
| Noninterest income to average assets | 0.8330% | 1,914 |
| Noninterest expense to average assets | 3.5034% | 1,970 |
| Loan and lease loss provision to assets | 0.0911% | 5,450 |
| Net operating income to assets | 1.0802% | 1,893 |
| Return on assets (ROA) | 1.0802% | 2,024 |
| Pretax return on assets | 1.6624% | 1,074 |
| Return on Equity (ROE) | 10.7437% | 1,787 |
| Retained earnings to average equity (ytd only) | 10.5672% | 465 |
| Net charge-offs to loans | 0.2238% | 4,382 |
| Credit loss provision to net charge-offs | 53.1034% | 5,346 |
| Earnings coverage of net charge-offs (x) | 10.2207% | 1,870 |
| Efficiency ratio | 66.6442% | 4,631 |
| Assets per employee ($millions) | 2.7756% | 6,492 |
| Cash dividends to net income (ytd only)* | 1.6429% | 4,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 5,226 |
| Loan loss allowance to noncurrent loans | 101.4218% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.1492% | 4,318 |
| Noncurrent loans to loans | 1.2232% | 4,325 |
| Net loans and leases to total assets | 84.6616% | 181 |
| Net loans and leases to deposits | 95.3971% | 717 |
| Net loans and leases to core deposits | 99.3252% | 1,232 |
| Total domestic deposits to total assets | 88.7466% | 1,690 |
| Equity capital to assets | 11.1615% | 2,834 |
| Core capital (leverage) ratio | 10.8607% | 2,385 |
| Tier 1 risk-based capital ratio | 16.7762% | 2,700 |
| Total risk-based capital ratio | 18.0304% | 2,662 |
| Memoranda: | ||
| Average total assets | $84,518,200 | 5,324 |
| Average earning assets | $80,303,800 | 5,219 |
| Average equity | $8,498,000 | 5,407 |
| Average total loans | $64,797,800 | 4,685 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3105% | 1,814 |
| Cost of funding earning assets | 0.7254% | 5,623 |
| Net interest margin | 4.5852% | 977 |
| Noninterest income to average assets | 0.8216% | 1,952 |
| Noninterest expense to average assets | 3.4671% | 2,028 |
| Loan and lease loss provision to assets | 0.1200% | 4,932 |
| Net operating income to assets | 1.0196% | 2,251 |
| Return on assets (ROA) | 1.0196% | 2,409 |
| Pretax return on assets | 1.5901% | 1,414 |
| Return on Equity (ROE) | 10.4098% | 2,068 |
| Retained earnings to average equity (ytd only) | 10.2507% | 779 |
| Net charge-offs to loans | 0.1799% | 4,360 |
| Credit loss provision to net charge-offs | 89.5349% | 3,783 |
| Earnings coverage of net charge-offs (x) | 12.7562% | 1,672 |
| Efficiency ratio | 66.9678% | 4,533 |
| Assets per employee ($millions) | 2.6581% | 6,714 |
| Cash dividends to net income (ytd only)* | 1.5287% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 5,036 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 6,184 |
| Noncurrent loans to loans | 0.4313% | 5,978 |
| Net loans and leases to total assets | 82.0605% | 350 |
| Net loans and leases to deposits | 91.6647% | 1,040 |
| Net loans and leases to core deposits | 96.5635% | 1,549 |
| Total domestic deposits to total assets | 89.5224% | 1,132 |
| Equity capital to assets | 10.2742% | 3,994 |
| Core capital (leverage) ratio | 10.5226% | 2,847 |
| Tier 1 risk-based capital ratio | 15.7760% | 3,234 |
| Total risk-based capital ratio | 17.0314% | 3,192 |
| Memoranda: | ||
| Average total assets | $85,525,000 | 5,338 |
| Average earning assets | $81,245,250 | 5,234 |
| Average equity | $8,376,500 | 5,477 |
| Average total loans | $63,747,000 | 4,767 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2239% | 2,169 |
| Cost of funding earning assets | 0.7747% | 5,537 |
| Net interest margin | 4.4492% | 1,246 |
| Noninterest income to average assets | 0.8077% | 1,983 |
| Noninterest expense to average assets | 3.4780% | 2,039 |
| Loan and lease loss provision to assets | 0.1144% | 4,861 |
| Net operating income to assets | 0.9104% | 2,600 |
| Return on assets (ROA) | 0.9104% | 2,698 |
| Pretax return on assets | 1.4379% | 1,700 |
| Return on Equity (ROE) | 9.4481% | 2,325 |
| Retained earnings to average equity (ytd only) | 9.2058% | 1,047 |
| Net charge-offs to loans | 0.1628% | 4,198 |
| Credit loss provision to net charge-offs | 98.0000% | 3,219 |
| Earnings coverage of net charge-offs (x) | 13.3000% | 1,559 |
| Efficiency ratio | 69.1415% | 4,300 |
| Assets per employee ($millions) | 2.7065% | 6,633 |
| Cash dividends to net income (ytd only)* | 2.5641% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 4,186 |
| Loan loss allowance to noncurrent loans | 164.1208% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 5,602 |
| Noncurrent loans to loans | 0.9068% | 5,149 |
| Net loans and leases to total assets | 70.6213% | 2,088 |
| Net loans and leases to deposits | 78.4030% | 3,058 |
| Net loans and leases to core deposits | 83.1143% | 3,350 |
| Total domestic deposits to total assets | 90.0747% | 936 |
| Equity capital to assets | 9.7810% | 4,412 |
| Core capital (leverage) ratio | 9.5940% | 3,810 |
| Tier 1 risk-based capital ratio | 16.2748% | 2,849 |
| Total risk-based capital ratio | 17.5294% | 2,814 |
| Memoranda: | ||
| Average total assets | $85,680,670 | 5,377 |
| Average earning assets | $81,318,330 | 5,284 |
| Average equity | $8,255,670 | 5,535 |
| Average total loans | $61,424,670 | 4,895 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1852% | 2,276 |
| Cost of funding earning assets | 0.8255% | 5,426 |
| Net interest margin | 4.3598% | 1,396 |
| Noninterest income to average assets | 0.7182% | 2,464 |
| Noninterest expense to average assets | 3.5955% | 1,780 |
| Loan and lease loss provision to assets | 0.1643% | 3,989 |
| Net operating income to assets | 0.7229% | 3,416 |
| Return on assets (ROA) | 0.7229% | 3,481 |
| Pretax return on assets | 1.0984% | 2,760 |
| Return on Equity (ROE) | 7.5601% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.5601% | 1,916 |
| Net charge-offs to loans | 0.3863% | 2,530 |
| Credit loss provision to net charge-offs | 59.3220% | 3,558 |
| Earnings coverage of net charge-offs (x) | 4.5593% | 2,447 |
| Efficiency ratio | 74.0097% | 3,510 |
| Assets per employee ($millions) | 2.7497% | 6,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 4,274 |
| Loan loss allowance to noncurrent loans | 214.5238% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 5,937 |
| Noncurrent loans to loans | 0.6932% | 5,638 |
| Net loans and leases to total assets | 67.8327% | 2,585 |
| Net loans and leases to deposits | 75.0418% | 3,575 |
| Net loans and leases to core deposits | 78.9435% | 3,900 |
| Total domestic deposits to total assets | 90.3932% | 904 |
| Equity capital to assets | 9.3999% | 4,573 |
| Core capital (leverage) ratio | 9.1235% | 4,409 |
| Tier 1 risk-based capital ratio | 16.3876% | 2,713 |
| Total risk-based capital ratio | 17.6435% | 2,681 |
| Memoranda: | ||
| Average total assets | $85,217,500 | 5,436 |
| Average earning assets | $80,922,000 | 5,327 |
| Average equity | $8,148,000 | 5,566 |
| Average total loans | $61,093,500 | 4,954 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4953% | 2,307 |
| Cost of funding earning assets | 0.9800% | 5,779 |
| Net interest margin | 4.5153% | 1,198 |
| Noninterest income to average assets | 0.9339% | 1,730 |
| Noninterest expense to average assets | 3.5569% | 2,041 |
| Loan and lease loss provision to assets | 0.6861% | 2,395 |
| Net operating income to assets | 0.4287% | 4,418 |
| Return on assets (ROA) | 0.4287% | 4,565 |
| Pretax return on assets | 0.9545% | 3,087 |
| Return on Equity (ROE) | 4.3902% | 4,351 |
| Retained earnings to average equity (ytd only) | -0.3358% | 5,676 |
| Net charge-offs to loans | 0.2227% | 4,953 |
| Credit loss provision to net charge-offs | 415.4412% | 576 |
| Earnings coverage of net charge-offs (x) | 9.9338% | 1,775 |
| Efficiency ratio | 68.4346% | 4,469 |
| Assets per employee ($millions) | 2.6595% | 6,751 |
| Cash dividends to net income (ytd only)* | 107.6487% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 4,001 |
| Loan loss allowance to noncurrent loans | 497.3118% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 6,535 |
| Noncurrent loans to loans | 0.3019% | 6,449 |
| Net loans and leases to total assets | 73.5945% | 1,747 |
| Net loans and leases to deposits | 81.6215% | 2,880 |
| Net loans and leases to core deposits | 85.8483% | 3,339 |
| Total domestic deposits to total assets | 90.1656% | 1,008 |
| Equity capital to assets | 9.7338% | 4,074 |
| Core capital (leverage) ratio | 9.9084% | 3,196 |
| Tier 1 risk-based capital ratio | 15.5982% | 2,952 |
| Total risk-based capital ratio | 16.8560% | 2,908 |
| Memoranda: | ||
| Average total assets | $82,346,800 | 5,516 |
| Average earning assets | $77,757,600 | 5,421 |
| Average equity | $8,040,600 | 5,703 |
| Average total loans | $61,065,200 | 5,025 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4394% | 2,694 |
| Cost of funding earning assets | 1.0191% | 5,850 |
| Net interest margin | 4.4203% | 1,465 |
| Noninterest income to average assets | 0.8875% | 1,843 |
| Noninterest expense to average assets | 3.5583% | 1,884 |
| Loan and lease loss provision to assets | 0.2187% | 4,880 |
| Net operating income to assets | 0.8066% | 2,972 |
| Return on assets (ROA) | 0.8066% | 3,122 |
| Pretax return on assets | 1.2763% | 2,242 |
| Return on Equity (ROE) | 8.2538% | 2,811 |
| Retained earnings to average equity (ytd only) | 2.0387% | 4,937 |
| Net charge-offs to loans | 0.2407% | 4,499 |
| Credit loss provision to net charge-offs | 122.7273% | 3,347 |
| Earnings coverage of net charge-offs (x) | 8.3911% | 2,172 |
| Efficiency ratio | 70.4167% | 3,982 |
| Assets per employee ($millions) | 2.6939% | 6,786 |
| Cash dividends to net income (ytd only)* | 75.3020% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7573% | 7,092 |
| Loan loss allowance to noncurrent loans | 548.4211% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 6,241 |
| Noncurrent loans to loans | 0.1381% | 6,901 |
| Net loans and leases to total assets | 81.7615% | 522 |
| Net loans and leases to deposits | 96.6782% | 910 |
| Net loans and leases to core deposits | 102.1544% | 1,638 |
| Total domestic deposits to total assets | 84.5707% | 3,841 |
| Equity capital to assets | 9.8216% | 4,390 |
| Core capital (leverage) ratio | 10.2353% | 2,999 |
| Tier 1 risk-based capital ratio | 14.5078% | 3,505 |
| Total risk-based capital ratio | 15.4411% | 3,667 |
| Memoranda: | ||
| Average total assets | $82,322,250 | 5,583 |
| Average earning assets | $77,580,000 | 5,495 |
| Average equity | $8,044,500 | 5,771 |
| Average total loans | $60,931,500 | 5,105 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4128% | 2,922 |
| Cost of funding earning assets | 1.0904% | 5,730 |
| Net interest margin | 4.3225% | 1,696 |
| Noninterest income to average assets | 0.8740% | 1,787 |
| Noninterest expense to average assets | 3.5520% | 1,905 |
| Loan and lease loss provision to assets | 0.3296% | 3,764 |
| Net operating income to assets | 0.6494% | 3,628 |
| Return on assets (ROA) | 0.6494% | 3,783 |
| Pretax return on assets | 1.0570% | 2,909 |
| Return on Equity (ROE) | 6.6567% | 3,462 |
| Retained earnings to average equity (ytd only) | -2.7277% | 6,258 |
| Net charge-offs to loans | 0.2607% | 4,045 |
| Credit loss provision to net charge-offs | 177.6316% | 2,208 |
| Earnings coverage of net charge-offs (x) | 7.4737% | 2,292 |
| Efficiency ratio | 71.9229% | 3,827 |
| Assets per employee ($millions) | 2.5753% | 6,992 |
| Cash dividends to net income (ytd only)* | 140.9774% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 6,798 |
| Loan loss allowance to noncurrent loans | 222.8916% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7936% | 5,526 |
| Noncurrent loans to loans | 0.3984% | 6,445 |
| Net loans and leases to total assets | 75.1696% | 1,658 |
| Net loans and leases to deposits | 83.4418% | 2,985 |
| Net loans and leases to core deposits | 89.1146% | 3,392 |
| Total domestic deposits to total assets | 90.0863% | 885 |
| Equity capital to assets | 9.6638% | 4,446 |
| Core capital (leverage) ratio | 9.3292% | 4,068 |
| Tier 1 risk-based capital ratio | 15.2993% | 3,010 |
| Total risk-based capital ratio | 16.3816% | 3,045 |
| Memoranda: | ||
| Average total assets | $81,926,330 | 5,631 |
| Average earning assets | $77,039,000 | 5,547 |
| Average equity | $7,992,000 | 5,808 |
| Average total loans | $58,308,670 | 5,259 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3232% | 3,431 |
| Cost of funding earning assets | 1.1355% | 5,730 |
| Net interest margin | 4.1877% | 2,091 |
| Noninterest income to average assets | 0.8912% | 1,659 |
| Noninterest expense to average assets | 3.4768% | 2,045 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8912% | 2,583 |
| Return on assets (ROA) | 0.8912% | 2,654 |
| Pretax return on assets | 1.3515% | 1,898 |
| Return on Equity (ROE) | 9.0932% | 2,461 |
| Retained earnings to average equity (ytd only) | -9.6428% | 6,941 |
| Net charge-offs to loans | 0.2989% | 3,219 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 6.5714% | 2,202 |
| Efficiency ratio | 72.0081% | 3,931 |
| Assets per employee ($millions) | 2.6371% | 6,972 |
| Cash dividends to net income (ytd only)* | 206.0440% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 7,131 |
| Loan loss allowance to noncurrent loans | 1,375.7576% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 6,287 |
| Noncurrent loans to loans | 0.0581% | 7,258 |
| Net loans and leases to total assets | 66.7567% | 3,689 |
| Net loans and leases to deposits | 73.9214% | 4,756 |
| Net loans and leases to core deposits | 79.1953% | 4,867 |
| Total domestic deposits to total assets | 90.3077% | 828 |
| Equity capital to assets | 9.3676% | 4,728 |
| Core capital (leverage) ratio | 9.3913% | 3,921 |
| Tier 1 risk-based capital ratio | 15.6715% | 2,795 |
| Total risk-based capital ratio | 16.5883% | 2,899 |
| Memoranda: | ||
| Average total assets | $81,684,000 | 5,717 |
| Average earning assets | $76,796,500 | 5,610 |
| Average equity | $8,006,000 | 5,841 |
| Average total loans | $56,211,500 | 5,412 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6516% | 3,345 |
| Cost of funding earning assets | 1.4149% | 5,869 |
| Net interest margin | 4.2367% | 1,951 |
| Noninterest income to average assets | 0.7504% | 2,677 |
| Noninterest expense to average assets | 3.7816% | 1,734 |
| Loan and lease loss provision to assets | -0.0128% | 7,961 |
| Net operating income to assets | 0.6803% | 3,015 |
| Return on assets (ROA) | 0.6803% | 3,069 |
| Pretax return on assets | 0.9674% | 2,698 |
| Return on Equity (ROE) | 6.8214% | 2,861 |
| Retained earnings to average equity (ytd only) | 6.6935% | 1,071 |
| Net charge-offs to loans | 0.0432% | 6,678 |
| Credit loss provision to net charge-offs | -43.4783% | 7,369 |
| Earnings coverage of net charge-offs (x) | 32.5217% | 715 |
| Efficiency ratio | 79.8437% | 2,913 |
| Assets per employee ($millions) | 2.5478% | 7,125 |
| Cash dividends to net income (ytd only)* | 1.8762% | 3,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 6,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 6,319 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 69.8130% | 3,299 |
| Net loans and leases to deposits | 78.0320% | 4,364 |
| Net loans and leases to core deposits | 92.8172% | 4,803 |
| Total domestic deposits to total assets | 89.4671% | 1,229 |
| Equity capital to assets | 10.2645% | 3,442 |
| Core capital (leverage) ratio | 10.2084% | 2,874 |
| Tier 1 risk-based capital ratio | 15.8883% | 2,571 |
| Total risk-based capital ratio | 16.8791% | 2,612 |
| Memoranda: | ||
| Average total assets | $78,353,200 | 5,775 |
| Average earning assets | $73,713,800 | 5,696 |
| Average equity | $7,813,600 | 5,995 |
| Average total loans | $53,218,400 | 5,537 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6784% | 3,442 |
| Cost of funding earning assets | 1.4681% | 5,964 |
| Net interest margin | 4.2104% | 2,014 |
| Noninterest income to average assets | 0.6991% | 3,019 |
| Noninterest expense to average assets | 3.8927% | 1,441 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5610% | 3,755 |
| Return on assets (ROA) | 0.5610% | 3,837 |
| Pretax return on assets | 0.7673% | 3,634 |
| Return on Equity (ROE) | 5.6673% | 3,661 |
| Retained earnings to average equity (ytd only) | 5.6673% | 2,118 |
| Net charge-offs to loans | 0.0228% | 6,573 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 49.9992% | 635 |
| Efficiency ratio | 83.5346% | 2,349 |
| Assets per employee ($millions) | 2.6033% | 7,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 6,542 |
| Loan loss allowance to noncurrent loans | 1,405.4054% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 6,228 |
| Noncurrent loans to loans | 0.0676% | 7,332 |
| Net loans and leases to total assets | 69.3936% | 3,633 |
| Net loans and leases to deposits | 79.3043% | 4,508 |
| Net loans and leases to core deposits | 96.4839% | 4,756 |
| Total domestic deposits to total assets | 87.5029% | 1,884 |
| Equity capital to assets | 10.1642% | 3,889 |
| Core capital (leverage) ratio | 9.8669% | 3,437 |
| Tier 1 risk-based capital ratio | 16.3458% | 2,497 |
| Total risk-based capital ratio | 17.4410% | 2,498 |
| Memoranda: | ||
| Average total assets | $78,196,250 | 5,820 |
| Average earning assets | $73,563,000 | 5,735 |
| Average equity | $7,740,250 | 6,069 |
| Average total loans | $52,614,250 | 5,609 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6710% | 3,709 |
| Cost of funding earning assets | 1.5008% | 6,138 |
| Net interest margin | 4.1702% | 2,094 |
| Noninterest income to average assets | 0.5752% | 3,869 |
| Noninterest expense to average assets | 3.9397% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4423% | 4,323 |
| Return on assets (ROA) | 0.4423% | 4,433 |
| Pretax return on assets | 0.5497% | 4,471 |
| Return on Equity (ROE) | 4.5085% | 4,301 |
| Retained earnings to average equity (ytd only) | 4.5085% | 2,785 |
| Net charge-offs to loans | -0.0809% | 7,919 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7563% | 2,044 |
| Assets per employee ($millions) | 2.5212% | 7,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 6,056 |
| Loan loss allowance to noncurrent loans | 3,928.5714% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 6,327 |
| Noncurrent loans to loans | 0.0261% | 7,473 |
| Net loans and leases to total assets | 68.0289% | 4,147 |
| Net loans and leases to deposits | 78.0145% | 4,868 |
| Net loans and leases to core deposits | 94.0945% | 5,107 |
| Total domestic deposits to total assets | 87.2003% | 2,149 |
| Equity capital to assets | 9.9376% | 4,036 |
| Core capital (leverage) ratio | 9.5715% | 3,785 |
| Tier 1 risk-based capital ratio | 15.9939% | 2,632 |
| Total risk-based capital ratio | 17.1508% | 2,604 |
| Memoranda: | ||
| Average total assets | $78,229,000 | 5,855 |
| Average earning assets | $73,426,330 | 5,772 |
| Average equity | $7,674,330 | 6,126 |
| Average total loans | $51,914,000 | 5,681 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7163% | 3,709 |
| Cost of funding earning assets | 1.5476% | 6,243 |
| Net interest margin | 4.1687% | 2,015 |
| Noninterest income to average assets | 0.4549% | 4,722 |
| Noninterest expense to average assets | 3.7258% | 1,603 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1738% | 5,741 |
| Return on assets (ROA) | 0.1738% | 5,910 |
| Pretax return on assets | 0.6389% | 4,621 |
| Return on Equity (ROE) | 1.7829% | 5,844 |
| Retained earnings to average equity (ytd only) | 1.7829% | 4,854 |
| Net charge-offs to loans | 0.3137% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.1250% | 3,280 |
| Efficiency ratio | 85.3630% | 2,147 |
| Assets per employee ($millions) | 2.7633% | 6,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 6,576 |
| Loan loss allowance to noncurrent loans | 3,260.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 5,957 |
| Noncurrent loans to loans | 0.0287% | 7,471 |
| Net loans and leases to total assets | 64.5698% | 4,890 |
| Net loans and leases to deposits | 73.2344% | 5,583 |
| Net loans and leases to core deposits | 89.5068% | 5,605 |
| Total domestic deposits to total assets | 88.1687% | 1,668 |
| Equity capital to assets | 9.5252% | 4,631 |
| Core capital (leverage) ratio | 9.4226% | 4,077 |
| Tier 1 risk-based capital ratio | 15.9919% | 2,691 |
| Total risk-based capital ratio | 17.0394% | 2,695 |
| Memoranda: | ||
| Average total assets | $78,264,500 | 5,883 |
| Average earning assets | $73,404,000 | 5,799 |
| Average equity | $7,628,000 | 6,179 |
| Average total loans | $51,011,000 | 5,755 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2624% | 4,169 |
| Cost of funding earning assets | 1.7056% | 7,247 |
| Net interest margin | 4.5568% | 1,295 |
| Noninterest income to average assets | 0.8944% | 1,976 |
| Noninterest expense to average assets | 3.9177% | 1,531 |
| Loan and lease loss provision to assets | 0.2255% | 4,631 |
| Net operating income to assets | 0.6791% | 3,989 |
| Return on assets (ROA) | 0.6923% | 3,757 |
| Pretax return on assets | 0.9595% | 3,526 |
| Return on Equity (ROE) | 7.1525% | 3,452 |
| Retained earnings to average equity (ytd only) | 1.4278% | 4,364 |
| Net charge-offs to loans | 0.1630% | 4,568 |
| Credit loss provision to net charge-offs | 221.7949% | 2,156 |
| Earnings coverage of net charge-offs (x) | 11.4744% | 2,367 |
| Efficiency ratio | 77.0513% | 3,069 |
| Assets per employee ($millions) | 2.5465% | 7,119 |
| Cash dividends to net income (ytd only)* | 80.0377% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 5,532 |
| Loan loss allowance to noncurrent loans | 157.9104% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8103% | 4,819 |
| Noncurrent loans to loans | 0.6728% | 5,350 |
| Net loans and leases to total assets | 64.4828% | 5,176 |
| Net loans and leases to deposits | 73.8989% | 5,856 |
| Net loans and leases to core deposits | 90.3093% | 5,780 |
| Total domestic deposits to total assets | 87.2582% | 1,812 |
| Equity capital to assets | 9.9785% | 4,066 |
| Core capital (leverage) ratio | 9.7979% | 3,645 |
| Tier 1 risk-based capital ratio | 13.2641% | 3,959 |
| Total risk-based capital ratio | 14.2099% | 4,059 |
| Memoranda: | ||
| Average total assets | $76,703,200 | 5,809 |
| Average earning assets | $70,531,600 | 5,802 |
| Average equity | $7,424,000 | 6,302 |
| Average total loans | $47,863,800 | 5,794 |