Home > First Bank of Coastal Georgia > Performance and Condition Ratios
First Bank of Coastal Georgia, 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 | 3.8302% | 4,148 |
| Cost of funding earning assets | 1.8769% | 1,113 |
| Net interest margin | 1.9533% | 4,424 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.9076% | 3,819 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.1958% | 4,175 |
| Return on assets (ROA) | 0.2428% | 4,119 |
| Pretax return on assets | 0.1536% | 4,235 |
| Return on Equity (ROE) | 6.6700% | 3,373 |
| Retained earnings to average equity (ytd only) | 0.3627% | 3,973 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 94.3603% | 292 |
| Assets per employee ($millions) | 7.2941% | 1,869 |
| Cash dividends to net income (ytd only)* | 94.5652% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6594% | 741 |
| 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 | 21.1200% | 4,396 |
| Net loans and leases to deposits | 22.1945% | 4,415 |
| Net loans and leases to core deposits | 23.6358% | 4,440 |
| Total domestic deposits to total assets | 95.1800% | 55 |
| Equity capital to assets | 4.4176% | 4,475 |
| Core capital (leverage) ratio | 9.0951% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6357% | 504 |
| Memoranda: | ||
| Average total assets | $189,449,000 | 3,057 |
| Average earning assets | $180,668,000 | 3,000 |
| Average equity | $6,893,200 | 4,061 |
| Average total loans | $38,089,600 | 4,023 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7912% | 4,127 |
| Cost of funding earning assets | 1.8915% | 872 |
| Net interest margin | 1.8997% | 4,471 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.8609% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1734% | 4,262 |
| Return on assets (ROA) | 0.2367% | 4,208 |
| Pretax return on assets | 0.1457% | 4,306 |
| Return on Equity (ROE) | 6.8900% | 3,461 |
| Retained earnings to average equity (ytd only) | -2.1113% | 4,325 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 95.5474% | 234 |
| Assets per employee ($millions) | 6.6341% | 2,226 |
| Cash dividends to net income (ytd only)* | 130.6306% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7999% | 567 |
| 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 | 21.1400% | 4,426 |
| Net loans and leases to deposits | 22.1609% | 4,441 |
| Net loans and leases to core deposits | 25.1653% | 4,423 |
| Total domestic deposits to total assets | 95.3800% | 102 |
| Equity capital to assets | 2.4631% | 4,521 |
| Core capital (leverage) ratio | 9.2144% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4031% | 461 |
| Memoranda: | ||
| Average total assets | $187,576,000 | 3,078 |
| Average earning assets | $178,761,500 | 3,029 |
| Average equity | $6,441,500 | 4,116 |
| Average total loans | $37,036,000 | 4,052 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7039% | 4,139 |
| Cost of funding earning assets | 1.8195% | 715 |
| Net interest margin | 1.8844% | 4,521 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.8225% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1912% | 4,289 |
| Return on assets (ROA) | 0.3141% | 4,160 |
| Pretax return on assets | 0.2521% | 4,271 |
| Return on Equity (ROE) | 8.4000% | 3,143 |
| Retained earnings to average equity (ytd only) | -3.8213% | 4,380 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.3800% | 274 |
| Assets per employee ($millions) | 7.0274% | 1,902 |
| Cash dividends to net income (ytd only)* | 145.4849% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 686 |
| 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 | 19.5900% | 4,463 |
| Net loans and leases to deposits | 20.3941% | 4,473 |
| Net loans and leases to core deposits | 21.6630% | 4,463 |
| Total domestic deposits to total assets | 96.0700% | 56 |
| Equity capital to assets | 3.5938% | 4,536 |
| Core capital (leverage) ratio | 9.0799% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5634% | 455 |
| Memoranda: | ||
| Average total assets | $190,394,000 | 3,065 |
| Average earning assets | $181,914,333 | 3,015 |
| Average equity | $7,118,000 | 4,061 |
| Average total loans | $36,529,000 | 4,066 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 4,063 |
| Cost of funding earning assets | 1.7796% | 471 |
| Net interest margin | 1.8981% | 4,587 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.7743% | 4,067 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2034% | 4,353 |
| Return on assets (ROA) | 0.4488% | 3,959 |
| Pretax return on assets | 0.4320% | 4,082 |
| Return on Equity (ROE) | 11.7800% | 2,276 |
| Retained earnings to average equity (ytd only) | -12.1637% | 4,513 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.4813% | 343 |
| Assets per employee ($millions) | 7.3138% | 1,742 |
| Cash dividends to net income (ytd only)* | 203.2710% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8324% | 622 |
| 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 | 18.5700% | 4,532 |
| Net loans and leases to deposits | 19.3377% | 4,544 |
| Net loans and leases to core deposits | 20.5379% | 4,534 |
| Total domestic deposits to total assets | 96.0100% | 50 |
| Equity capital to assets | 3.7269% | 4,559 |
| Core capital (leverage) ratio | 9.0579% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6497% | 455 |
| Memoranda: | ||
| Average total assets | $190,720,500 | 3,098 |
| Average earning assets | $182,286,000 | 3,049 |
| Average equity | $7,267,500 | 4,088 |
| Average total loans | $35,877,000 | 4,133 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8360% | 4,292 |
| Cost of funding earning assets | 0.4759% | 1,546 |
| Net interest margin | 2.3601% | 4,383 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.9329% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5252% | 4,043 |
| Return on assets (ROA) | 0.5181% | 4,014 |
| Pretax return on assets | 0.4981% | 4,172 |
| Return on Equity (ROE) | 8.5100% | 3,253 |
| Retained earnings to average equity (ytd only) | 3.6772% | 3,506 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.2795% | 769 |
| Assets per employee ($millions) | 6.5960% | 2,255 |
| Cash dividends to net income (ytd only)* | 56.7691% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4531% | 222 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 18.2500% | 4,560 |
| Net loans and leases to deposits | 19.3746% | 4,573 |
| Net loans and leases to core deposits | 19.5978% | 4,563 |
| Total domestic deposits to total assets | 94.2100% | 219 |
| Equity capital to assets | 3.8937% | 4,529 |
| Core capital (leverage) ratio | 9.3305% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7816% | 433 |
| Memoranda: | ||
| Average total assets | $169,642,400 | 3,272 |
| Average earning assets | $163,046,200 | 3,221 |
| Average equity | $10,334,000 | 3,829 |
| Average total loans | $32,560,400 | 4,199 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6082% | 4,384 |
| Cost of funding earning assets | 0.2631% | 2,568 |
| Net interest margin | 2.3451% | 4,376 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.9492% | 3,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5171% | 4,037 |
| Return on assets (ROA) | 0.5074% | 4,003 |
| Pretax return on assets | 0.4757% | 4,179 |
| Return on Equity (ROE) | 7.5400% | 3,455 |
| Retained earnings to average equity (ytd only) | 1.5196% | 4,134 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.0600% | 772 |
| Assets per employee ($millions) | 5.5445% | 3,173 |
| Cash dividends to net income (ytd only)* | 79.8400% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3440% | 272 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 21.9900% | 4,568 |
| Net loans and leases to deposits | 22.7400% | 4,594 |
| Net loans and leases to core deposits | 23.7837% | 4,580 |
| Total domestic deposits to total assets | 96.7100% | 90 |
| Equity capital to assets | 3.1353% | 4,582 |
| Core capital (leverage) ratio | 10.5668% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7720% | 394 |
| Memoranda: | ||
| Average total assets | $164,232,250 | 3,336 |
| Average earning assets | $158,115,750 | 3,284 |
| Average equity | $11,055,500 | 3,802 |
| Average total loans | $31,752,750 | 4,239 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4345% | 4,436 |
| Cost of funding earning assets | 0.1442% | 3,646 |
| Net interest margin | 2.2902% | 4,342 |
| Noninterest income to average assets | 0.1688% | 4,168 |
| Noninterest expense to average assets | 1.9715% | 3,509 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4623% | 3,979 |
| Return on assets (ROA) | 0.4623% | 3,932 |
| Pretax return on assets | 0.4109% | 4,142 |
| Return on Equity (ROE) | 5.8143% | 3,624 |
| Retained earnings to average equity (ytd only) | -1.8612% | 4,371 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7515% | 755 |
| Assets per employee ($millions) | 6.2084% | 2,557 |
| Cash dividends to net income (ytd only)* | 132.0106% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7608% | 183 |
| Loan loss allowance to noncurrent loans | 87,800.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,078 |
| Noncurrent loans to loans | 0.0031% | 3,982 |
| Net loans and leases to total assets | 19.1576% | 4,662 |
| Net loans and leases to deposits | 20.0161% | 4,675 |
| Net loans and leases to core deposits | 20.3746% | 4,672 |
| Total domestic deposits to total assets | 95.7112% | 96 |
| Equity capital to assets | 4.1711% | 4,608 |
| Core capital (leverage) ratio | 10.8973% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5412% | 303 |
| Memoranda: | ||
| Average total assets | $163,531,667 | 3,379 |
| Average earning assets | $158,063,667 | 3,330 |
| Average equity | $13,002,333 | 3,680 |
| Average total loans | $29,851,000 | 4,317 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3698% | 4,402 |
| Cost of funding earning assets | 0.1174% | 3,925 |
| Net interest margin | 2.2524% | 4,290 |
| Noninterest income to average assets | 0.1580% | 4,209 |
| Noninterest expense to average assets | 1.8543% | 3,800 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5225% | 3,646 |
| Return on assets (ROA) | 0.5225% | 3,611 |
| Pretax return on assets | 0.4958% | 3,875 |
| Return on Equity (ROE) | 5.3294% | 3,534 |
| Retained earnings to average equity (ytd only) | -7.0397% | 4,490 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9038% | 1,235 |
| Assets per employee ($millions) | 5.4941% | 3,322 |
| Cash dividends to net income (ytd only)* | 232.0930% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1624% | 135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 16.8746% | 4,696 |
| Net loans and leases to deposits | 18.4165% | 4,703 |
| Net loans and leases to core deposits | 18.7128% | 4,705 |
| Total domestic deposits to total assets | 91.6280% | 739 |
| Equity capital to assets | 8.2641% | 3,354 |
| Core capital (leverage) ratio | 10.8658% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1044% | 223 |
| Memoranda: | ||
| Average total assets | $164,588,000 | 3,385 |
| Average earning assets | $160,185,500 | 3,325 |
| Average equity | $16,137,000 | 3,459 |
| Average total loans | $28,875,500 | 4,354 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5059% | 4,476 |
| Cost of funding earning assets | 0.1494% | 3,987 |
| Net interest margin | 2.3565% | 4,361 |
| Noninterest income to average assets | 0.2885% | 3,666 |
| Noninterest expense to average assets | 2.0214% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5507% | 3,983 |
| Return on assets (ROA) | 0.6535% | 3,797 |
| Pretax return on assets | 0.6738% | 3,984 |
| Return on Equity (ROE) | 5.1314% | 3,967 |
| Retained earnings to average equity (ytd only) | 2.9227% | 3,666 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0697% | 940 |
| Assets per employee ($millions) | 5.4790% | 3,279 |
| Cash dividends to net income (ytd only)* | 43.0430% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9279% | 157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 17.1383% | 4,740 |
| Net loans and leases to deposits | 19.3238% | 4,748 |
| Net loans and leases to core deposits | 19.6600% | 4,743 |
| Total domestic deposits to total assets | 88.6899% | 1,671 |
| Equity capital to assets | 11.2495% | 1,635 |
| Core capital (leverage) ratio | 11.1886% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5498% | 208 |
| Memoranda: | ||
| Average total assets | $152,863,600 | 3,458 |
| Average earning assets | $149,246,200 | 3,383 |
| Average equity | $19,468,200 | 3,255 |
| Average total loans | $33,355,800 | 4,308 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5661% | 4,523 |
| Cost of funding earning assets | 0.1592% | 4,022 |
| Net interest margin | 2.4069% | 4,390 |
| Noninterest income to average assets | 0.1920% | 4,244 |
| Noninterest expense to average assets | 2.0302% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4944% | 4,218 |
| Return on assets (ROA) | 0.6432% | 3,975 |
| Pretax return on assets | 0.6621% | 4,136 |
| Return on Equity (ROE) | 4.8878% | 4,141 |
| Retained earnings to average equity (ytd only) | 1.9565% | 4,198 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9647% | 749 |
| Assets per employee ($millions) | 5.0190% | 3,678 |
| Cash dividends to net income (ytd only)* | 59.9721% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7911% | 195 |
| Loan loss allowance to noncurrent loans | 87,800.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 3,411 |
| Noncurrent loans to loans | 0.0032% | 4,197 |
| Net loans and leases to total assets | 20.3087% | 4,794 |
| Net loans and leases to deposits | 23.3638% | 4,797 |
| Net loans and leases to core deposits | 23.9033% | 4,799 |
| Total domestic deposits to total assets | 86.9238% | 2,383 |
| Equity capital to assets | 12.8962% | 1,014 |
| Core capital (leverage) ratio | 12.1223% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4237% | 206 |
| Memoranda: | ||
| Average total assets | $148,617,500 | 3,526 |
| Average earning assets | $144,913,250 | 3,463 |
| Average equity | $19,558,500 | 3,294 |
| Average total loans | $34,198,000 | 4,358 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5995% | 4,546 |
| Cost of funding earning assets | 0.1719% | 4,023 |
| Net interest margin | 2.4276% | 4,397 |
| Noninterest income to average assets | 0.1906% | 4,252 |
| Noninterest expense to average assets | 2.0424% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4969% | 4,225 |
| Return on assets (ROA) | 0.6556% | 3,923 |
| Pretax return on assets | 0.6785% | 4,109 |
| Return on Equity (ROE) | 4.9476% | 4,133 |
| Retained earnings to average equity (ytd only) | 4.9476% | 3,204 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8626% | 795 |
| Assets per employee ($millions) | 5.1912% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6976% | 209 |
| Loan loss allowance to noncurrent loans | 87,800.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 3,529 |
| Noncurrent loans to loans | 0.0031% | 4,251 |
| Net loans and leases to total assets | 21.0370% | 4,823 |
| Net loans and leases to deposits | 24.2331% | 4,829 |
| Net loans and leases to core deposits | 24.7929% | 4,831 |
| Total domestic deposits to total assets | 86.8112% | 2,419 |
| Equity capital to assets | 13.0566% | 929 |
| Core capital (leverage) ratio | 12.6133% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4802% | 195 |
| Memoranda: | ||
| Average total assets | $147,966,333 | 3,544 |
| Average earning assets | $144,258,000 | 3,474 |
| Average equity | $19,605,333 | 3,282 |
| Average total loans | $35,111,667 | 4,375 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6043% | 4,567 |
| Cost of funding earning assets | 0.1932% | 3,974 |
| Net interest margin | 2.4111% | 4,405 |
| Noninterest income to average assets | 0.1909% | 4,244 |
| Noninterest expense to average assets | 1.9962% | 3,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5180% | 4,139 |
| Return on assets (ROA) | 0.6709% | 3,849 |
| Pretax return on assets | 0.7036% | 4,008 |
| Return on Equity (ROE) | 5.0255% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.0255% | 3,214 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6251% | 917 |
| Assets per employee ($millions) | 5.0336% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4354% | 288 |
| Loan loss allowance to noncurrent loans | 29,266.6667% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 3,414 |
| Noncurrent loans to loans | 0.0083% | 4,280 |
| Net loans and leases to total assets | 24.0962% | 4,808 |
| Net loans and leases to deposits | 27.7667% | 4,819 |
| Net loans and leases to core deposits | 28.3700% | 4,830 |
| Total domestic deposits to total assets | 86.7811% | 2,404 |
| Equity capital to assets | 13.0983% | 886 |
| Core capital (leverage) ratio | 12.7943% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7297% | 207 |
| Memoranda: | ||
| Average total assets | $146,677,500 | 3,558 |
| Average earning assets | $142,841,000 | 3,490 |
| Average equity | $19,580,000 | 3,276 |
| Average total loans | $36,393,500 | 4,369 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1234% | 4,537 |
| Cost of funding earning assets | 0.4043% | 3,553 |
| Net interest margin | 2.7191% | 4,355 |
| Noninterest income to average assets | 0.1871% | 4,354 |
| Noninterest expense to average assets | 2.3523% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4443% | 4,154 |
| Return on assets (ROA) | 0.6463% | 3,732 |
| Pretax return on assets | 0.6809% | 3,925 |
| Return on Equity (ROE) | 4.6715% | 3,988 |
| Retained earnings to average equity (ytd only) | 2.3738% | 3,677 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3999% | 673 |
| Assets per employee ($millions) | 4.6057% | 3,805 |
| Cash dividends to net income (ytd only)* | 49.1860% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3901% | 301 |
| Loan loss allowance to noncurrent loans | 43,900.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 3,533 |
| Noncurrent loans to loans | 0.0054% | 4,372 |
| Net loans and leases to total assets | 24.3293% | 4,850 |
| Net loans and leases to deposits | 28.2392% | 4,854 |
| Net loans and leases to core deposits | 28.7828% | 4,864 |
| Total domestic deposits to total assets | 86.1543% | 2,302 |
| Equity capital to assets | 13.5973% | 899 |
| Core capital (leverage) ratio | 12.7814% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5487% | 237 |
| Memoranda: | ||
| Average total assets | $133,063,600 | 3,588 |
| Average earning assets | $128,868,000 | 3,522 |
| Average equity | $18,409,600 | 3,330 |
| Average total loans | $38,040,000 | 4,354 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2463% | 4,538 |
| Cost of funding earning assets | 0.4602% | 3,468 |
| Net interest margin | 2.7860% | 4,357 |
| Noninterest income to average assets | 0.1915% | 4,329 |
| Noninterest expense to average assets | 2.3693% | 3,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4891% | 4,065 |
| Return on assets (ROA) | 0.6446% | 3,742 |
| Pretax return on assets | 0.6786% | 3,947 |
| Return on Equity (ROE) | 4.6364% | 3,987 |
| Retained earnings to average equity (ytd only) | 1.5035% | 4,082 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1492% | 727 |
| Assets per employee ($millions) | 4.1776% | 4,164 |
| Cash dividends to net income (ytd only)* | 67.5719% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1907% | 358 |
| Loan loss allowance to noncurrent loans | 29,266.6667% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 3,571 |
| Noncurrent loans to loans | 0.0075% | 4,422 |
| Net loans and leases to total assets | 30.2689% | 4,814 |
| Net loans and leases to deposits | 36.9776% | 4,811 |
| Net loans and leases to core deposits | 37.4790% | 4,828 |
| Total domestic deposits to total assets | 81.8572% | 3,457 |
| Equity capital to assets | 15.1290% | 607 |
| Core capital (leverage) ratio | 13.8359% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8470% | 219 |
| Memoranda: | ||
| Average total assets | $129,484,000 | 3,618 |
| Average earning assets | $125,146,250 | 3,554 |
| Average equity | $18,002,000 | 3,370 |
| Average total loans | $38,366,250 | 4,368 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3003% | 4,651 |
| Cost of funding earning assets | 0.5266% | 3,373 |
| Net interest margin | 2.7737% | 4,483 |
| Noninterest income to average assets | 0.1807% | 4,377 |
| Noninterest expense to average assets | 2.4004% | 3,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4289% | 4,171 |
| Return on assets (ROA) | 0.6380% | 3,702 |
| Pretax return on assets | 0.6797% | 3,913 |
| Return on Equity (ROE) | 4.7277% | 3,907 |
| Retained earnings to average equity (ytd only) | -0.1145% | 4,329 |
| Net charge-offs to loans | 0.0053% | 2,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 296.0000% | 323 |
| Efficiency ratio | 84.0000% | 635 |
| Assets per employee ($millions) | 4.1715% | 4,132 |
| Cash dividends to net income (ytd only)* | 102.4213% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2721% | 299 |
| Loan loss allowance to noncurrent loans | 14,616.6667% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 3,686 |
| Noncurrent loans to loans | 0.0155% | 4,445 |
| Net loans and leases to total assets | 28.2578% | 4,883 |
| Net loans and leases to deposits | 34.0424% | 4,885 |
| Net loans and leases to core deposits | 34.4830% | 4,894 |
| Total domestic deposits to total assets | 83.0076% | 3,081 |
| Equity capital to assets | 14.2064% | 808 |
| Core capital (leverage) ratio | 13.6637% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8375% | 219 |
| Memoranda: | ||
| Average total assets | $129,476,667 | 3,601 |
| Average earning assets | $124,960,000 | 3,532 |
| Average equity | $17,471,667 | 3,419 |
| Average total loans | $37,795,667 | 4,392 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5019% | 4,629 |
| Cost of funding earning assets | 0.6266% | 3,299 |
| Net interest margin | 2.8753% | 4,472 |
| Noninterest income to average assets | 0.1914% | 4,406 |
| Noninterest expense to average assets | 2.3880% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4957% | 3,903 |
| Return on assets (ROA) | 0.7939% | 3,018 |
| Pretax return on assets | 0.9069% | 3,119 |
| Return on Equity (ROE) | 6.0506% | 3,299 |
| Retained earnings to average equity (ytd only) | -4.0656% | 4,445 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7856% | 1,060 |
| Assets per employee ($millions) | 3.9335% | 4,018 |
| Cash dividends to net income (ytd only)* | 167.1937% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3128% | 322 |
| Loan loss allowance to noncurrent loans | 7,316.6667% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 3,545 |
| Noncurrent loans to loans | 0.0316% | 4,436 |
| Net loans and leases to total assets | 29.4627% | 4,915 |
| Net loans and leases to deposits | 34.8947% | 4,924 |
| Net loans and leases to core deposits | 35.1977% | 4,932 |
| Total domestic deposits to total assets | 84.4333% | 2,623 |
| Equity capital to assets | 12.6344% | 1,656 |
| Core capital (leverage) ratio | 13.7720% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8034% | 236 |
| Memoranda: | ||
| Average total assets | $127,470,500 | 3,610 |
| Average earning assets | $122,561,000 | 3,541 |
| Average equity | $16,725,500 | 3,496 |
| Average total loans | $37,394,500 | 4,424 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5460% | 4,825 |
| Cost of funding earning assets | 0.7493% | 2,924 |
| Net interest margin | 2.7967% | 4,762 |
| Noninterest income to average assets | 0.2274% | 4,305 |
| Noninterest expense to average assets | 2.5157% | 3,401 |
| Loan and lease loss provision to assets | -0.2905% | 5,144 |
| Net operating income to assets | 0.6252% | 4,087 |
| Return on assets (ROA) | 0.7014% | 3,926 |
| Pretax return on assets | 0.7819% | 4,009 |
| Return on Equity (ROE) | 5.0738% | 4,188 |
| Retained earnings to average equity (ytd only) | 2.9782% | 3,545 |
| Net charge-offs to loans | -0.6551% | 5,126 |
| Credit loss provision to net charge-offs | 140.5622% | 1,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0835% | 535 |
| Assets per employee ($millions) | 4.1635% | 3,678 |
| Cash dividends to net income (ytd only)* | 41.3018% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3842% | 250 |
| Loan loss allowance to noncurrent loans | 325.1852% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 2,696 |
| Noncurrent loans to loans | 0.7332% | 2,047 |
| Net loans and leases to total assets | 27.8516% | 4,997 |
| Net loans and leases to deposits | 32.2736% | 5,018 |
| Net loans and leases to core deposits | 32.5392% | 5,028 |
| Total domestic deposits to total assets | 86.2981% | 1,935 |
| Equity capital to assets | 13.5957% | 1,248 |
| Core capital (leverage) ratio | 13.5680% | 1,033 |
| Tier 1 risk-based capital ratio | 32.3752% | 406 |
| Total risk-based capital ratio | 33.6287% | 397 |
| Memoranda: | ||
| Average total assets | $120,481,000 | 3,694 |
| Average earning assets | $116,102,600 | 3,619 |
| Average equity | $16,654,200 | 3,471 |
| Average total loans | $38,009,800 | 4,447 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5689% | 4,908 |
| Cost of funding earning assets | 0.7822% | 2,802 |
| Net interest margin | 2.7867% | 4,869 |
| Noninterest income to average assets | 0.2265% | 4,381 |
| Noninterest expense to average assets | 2.4923% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4039% | 4,717 |
| Return on assets (ROA) | 0.4946% | 4,579 |
| Pretax return on assets | 0.5093% | 4,689 |
| Return on Equity (ROE) | 3.5623% | 4,661 |
| Retained earnings to average equity (ytd only) | 3.5623% | 3,622 |
| Net charge-offs to loans | 0.0035% | 3,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 369.9173% | 269 |
| Efficiency ratio | 85.7032% | 517 |
| Assets per employee ($millions) | 3.6528% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5760% | 202 |
| Loan loss allowance to noncurrent loans | 308.5174% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 2,399 |
| Noncurrent loans to loans | 0.8350% | 1,903 |
| Net loans and leases to total assets | 32.6645% | 5,008 |
| Net loans and leases to deposits | 38.7670% | 5,023 |
| Net loans and leases to core deposits | 40.8788% | 5,018 |
| Total domestic deposits to total assets | 84.2585% | 2,730 |
| Equity capital to assets | 15.4818% | 735 |
| Core capital (leverage) ratio | 15.0040% | 737 |
| Tier 1 risk-based capital ratio | 34.5799% | 353 |
| Total risk-based capital ratio | 35.8371% | 348 |
| Memoranda: | ||
| Average total assets | $118,333,750 | 3,770 |
| Average earning assets | $113,870,000 | 3,681 |
| Average equity | $16,430,750 | 3,524 |
| Average total loans | $38,305,750 | 4,498 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5462% | 4,978 |
| Cost of funding earning assets | 0.7622% | 2,840 |
| Net interest margin | 2.7839% | 4,946 |
| Noninterest income to average assets | 0.2399% | 4,319 |
| Noninterest expense to average assets | 2.3910% | 3,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4894% | 4,547 |
| Return on assets (ROA) | 0.5498% | 4,456 |
| Pretax return on assets | 0.5915% | 4,560 |
| Return on Equity (ROE) | 4.1086% | 4,560 |
| Retained earnings to average equity (ytd only) | 4.1086% | 3,192 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9532% | 803 |
| Assets per employee ($millions) | 4.2929% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5100% | 219 |
| Loan loss allowance to noncurrent loans | 348.3986% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 2,671 |
| Noncurrent loans to loans | 0.7204% | 2,187 |
| Net loans and leases to total assets | 31.6348% | 5,079 |
| Net loans and leases to deposits | 36.9702% | 5,095 |
| Net loans and leases to core deposits | 38.8303% | 5,097 |
| Total domestic deposits to total assets | 85.5682% | 2,235 |
| Equity capital to assets | 14.2113% | 1,050 |
| Core capital (leverage) ratio | 14.8470% | 740 |
| Tier 1 risk-based capital ratio | 34.7188% | 346 |
| Total risk-based capital ratio | 35.9770% | 341 |
| Memoranda: | ||
| Average total assets | $120,033,000 | 3,759 |
| Average earning assets | $115,449,000 | 3,683 |
| Average equity | $16,064,000 | 3,571 |
| Average total loans | $38,419,000 | 4,536 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5133% | 5,037 |
| Cost of funding earning assets | 0.7610% | 2,727 |
| Net interest margin | 2.7523% | 5,024 |
| Noninterest income to average assets | 0.2334% | 4,343 |
| Noninterest expense to average assets | 2.3710% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4753% | 4,585 |
| Return on assets (ROA) | 0.5035% | 4,530 |
| Pretax return on assets | 0.5336% | 4,618 |
| Return on Equity (ROE) | 3.8830% | 4,601 |
| Retained earnings to average equity (ytd only) | 3.8830% | 3,361 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4826% | 830 |
| Assets per employee ($millions) | 4.1827% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5688% | 227 |
| Loan loss allowance to noncurrent loans | 376.5385% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 2,761 |
| Noncurrent loans to loans | 0.6822% | 2,310 |
| Net loans and leases to total assets | 31.7053% | 5,121 |
| Net loans and leases to deposits | 36.7716% | 5,136 |
| Net loans and leases to core deposits | 37.1120% | 5,162 |
| Total domestic deposits to total assets | 86.2222% | 2,173 |
| Equity capital to assets | 13.6070% | 1,174 |
| Core capital (leverage) ratio | 14.4950% | 819 |
| Tier 1 risk-based capital ratio | 34.4903% | 341 |
| Total risk-based capital ratio | 35.7493% | 331 |
| Memoranda: | ||
| Average total assets | $119,949,500 | 3,807 |
| Average earning assets | $115,104,500 | 3,731 |
| Average equity | $15,555,000 | 3,640 |
| Average total loans | $38,126,500 | 4,591 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4660% | 4,951 |
| Cost of funding earning assets | 0.4400% | 3,742 |
| Net interest margin | 3.0260% | 4,770 |
| Noninterest income to average assets | 0.2729% | 4,276 |
| Noninterest expense to average assets | 2.5155% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5844% | 4,464 |
| Return on assets (ROA) | 0.5851% | 4,467 |
| Pretax return on assets | 0.6312% | 4,574 |
| Return on Equity (ROE) | 4.7401% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.7401% | 2,920 |
| Net charge-offs to loans | 0.0597% | 2,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 34.2273% | 1,469 |
| Efficiency ratio | 79.9627% | 967 |
| Assets per employee ($millions) | 4.5475% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5667% | 215 |
| Loan loss allowance to noncurrent loans | 285.4227% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 2,386 |
| Noncurrent loans to loans | 0.8993% | 1,786 |
| Net loans and leases to total assets | 30.2672% | 5,202 |
| Net loans and leases to deposits | 34.5731% | 5,218 |
| Net loans and leases to core deposits | 34.9625% | 5,232 |
| Total domestic deposits to total assets | 87.5455% | 1,510 |
| Equity capital to assets | 12.3584% | 1,662 |
| Core capital (leverage) ratio | 13.9250% | 941 |
| Tier 1 risk-based capital ratio | 32.7691% | 377 |
| Total risk-based capital ratio | 34.0265% | 372 |
| Memoranda: | ||
| Average total assets | $119,458,400 | 3,793 |
| Average earning assets | $113,416,600 | 3,750 |
| Average equity | $14,746,600 | 3,665 |
| Average total loans | $36,822,400 | 4,639 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3861% | 5,050 |
| Cost of funding earning assets | 0.3918% | 3,921 |
| Net interest margin | 2.9943% | 4,856 |
| Noninterest income to average assets | 0.1798% | 4,885 |
| Noninterest expense to average assets | 2.4996% | 3,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4856% | 4,786 |
| Return on assets (ROA) | 0.4867% | 4,792 |
| Pretax return on assets | 0.5159% | 4,881 |
| Return on Equity (ROE) | 3.9435% | 4,829 |
| Retained earnings to average equity (ytd only) | 3.9435% | 3,803 |
| Net charge-offs to loans | 0.0840% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 19.9103% | 1,974 |
| Efficiency ratio | 82.9232% | 708 |
| Assets per employee ($millions) | 3.9990% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4746% | 257 |
| Loan loss allowance to noncurrent loans | 286.8035% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.6082% | 2,359 |
| Noncurrent loans to loans | 0.8628% | 1,978 |
| Net loans and leases to total assets | 34.4232% | 5,192 |
| Net loans and leases to deposits | 43.5506% | 5,122 |
| Net loans and leases to core deposits | 44.1588% | 5,163 |
| Total domestic deposits to total assets | 79.0419% | 4,306 |
| Equity capital to assets | 12.7274% | 1,450 |
| Core capital (leverage) ratio | 14.4294% | 839 |
| Tier 1 risk-based capital ratio | 32.2021% | 395 |
| Total risk-based capital ratio | 33.4595% | 387 |
| Memoranda: | ||
| Average total assets | $118,627,250 | 3,849 |
| Average earning assets | $112,299,500 | 3,808 |
| Average equity | $14,639,750 | 3,708 |
| Average total loans | $36,492,500 | 4,692 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3006% | 5,139 |
| Cost of funding earning assets | 0.2888% | 4,510 |
| Net interest margin | 3.0119% | 4,862 |
| Noninterest income to average assets | 0.2615% | 4,438 |
| Noninterest expense to average assets | 2.3352% | 4,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6936% | 4,210 |
| Return on assets (ROA) | 0.6951% | 4,212 |
| Pretax return on assets | 0.7762% | 4,315 |
| Return on Equity (ROE) | 5.6875% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.6875% | 2,731 |
| Net charge-offs to loans | 0.1240% | 1,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 21.2727% | 1,781 |
| Efficiency ratio | 75.0931% | 1,546 |
| Assets per employee ($millions) | 4.5155% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6094% | 221 |
| Loan loss allowance to noncurrent loans | 292.5373% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 2,482 |
| Noncurrent loans to loans | 0.8920% | 1,935 |
| Net loans and leases to total assets | 28.9297% | 5,347 |
| Net loans and leases to deposits | 35.6498% | 5,323 |
| Net loans and leases to core deposits | 36.0780% | 5,344 |
| Total domestic deposits to total assets | 81.1498% | 3,952 |
| Equity capital to assets | 11.5365% | 2,173 |
| Core capital (leverage) ratio | 14.9663% | 678 |
| Tier 1 risk-based capital ratio | 32.9322% | 378 |
| Total risk-based capital ratio | 34.1912% | 371 |
| Memoranda: | ||
| Average total assets | $120,846,000 | 3,843 |
| Average earning assets | $114,281,330 | 3,808 |
| Average equity | $14,769,330 | 3,709 |
| Average total loans | $35,482,670 | 4,765 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2898% | 5,152 |
| Cost of funding earning assets | 0.1677% | 5,173 |
| Net interest margin | 3.1221% | 4,659 |
| Noninterest income to average assets | 0.2440% | 4,544 |
| Noninterest expense to average assets | 2.4565% | 3,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6811% | 4,168 |
| Return on assets (ROA) | 0.6811% | 4,173 |
| Pretax return on assets | 0.7522% | 4,284 |
| Return on Equity (ROE) | 5.4101% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.4101% | 2,991 |
| Net charge-offs to loans | 0.2555% | 602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 10.0909% | 1,922 |
| Efficiency ratio | 76.5576% | 1,508 |
| Assets per employee ($millions) | 4.3243% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8245% | 187 |
| Loan loss allowance to noncurrent loans | 272.2222% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.7329% | 2,117 |
| Noncurrent loans to loans | 1.0376% | 1,762 |
| Net loans and leases to total assets | 29.9882% | 5,366 |
| Net loans and leases to deposits | 34.4766% | 5,387 |
| Net loans and leases to core deposits | 34.9114% | 5,407 |
| Total domestic deposits to total assets | 86.9813% | 2,132 |
| Equity capital to assets | 12.8594% | 1,316 |
| Core capital (leverage) ratio | 14.4534% | 776 |
| Tier 1 risk-based capital ratio | 34.6131% | 334 |
| Total risk-based capital ratio | 35.8717% | 332 |
| Memoranda: | ||
| Average total assets | $118,052,000 | 3,934 |
| Average earning assets | $112,102,500 | 3,885 |
| Average equity | $14,861,000 | 3,723 |
| Average total loans | $34,445,500 | 4,848 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2064% | 5,180 |
| Cost of funding earning assets | 0.2243% | 4,757 |
| Net interest margin | 2.9821% | 4,923 |
| Noninterest income to average assets | 0.2358% | 4,722 |
| Noninterest expense to average assets | 2.4155% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2484% | 5,022 |
| Return on assets (ROA) | 0.3061% | 4,931 |
| Pretax return on assets | 0.7040% | 4,499 |
| Return on Equity (ROE) | 2.4040% | 4,974 |
| Retained earnings to average equity (ytd only) | -4.6002% | 5,422 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7378% | 1,130 |
| Assets per employee ($millions) | 5.6215% | 1,824 |
| Cash dividends to net income (ytd only)* | 291.3514% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9303% | 154 |
| Loan loss allowance to noncurrent loans | 273.7705% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 2,300 |
| Noncurrent loans to loans | 1.0703% | 1,665 |
| Net loans and leases to total assets | 26.8393% | 5,491 |
| Net loans and leases to deposits | 30.6698% | 5,507 |
| Net loans and leases to core deposits | 30.9457% | 5,517 |
| Total domestic deposits to total assets | 87.5106% | 1,759 |
| Equity capital to assets | 12.3422% | 1,619 |
| Core capital (leverage) ratio | 13.8062% | 887 |
| Tier 1 risk-based capital ratio | 33.8506% | 348 |
| Total risk-based capital ratio | 35.1114% | 340 |
| Memoranda: | ||
| Average total assets | $120,887,600 | 3,881 |
| Average earning assets | $113,242,800 | 3,858 |
| Average equity | $15,390,800 | 3,671 |
| Average total loans | $33,100,600 | 4,918 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2362% | 5,189 |
| Cost of funding earning assets | 0.2283% | 4,752 |
| Net interest margin | 3.0079% | 4,898 |
| Noninterest income to average assets | 0.2518% | 4,704 |
| Noninterest expense to average assets | 2.4061% | 4,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6126% | 4,346 |
| Return on assets (ROA) | 0.7033% | 4,028 |
| Pretax return on assets | 0.7488% | 4,490 |
| Return on Equity (ROE) | 5.4810% | 4,331 |
| Retained earnings to average equity (ytd only) | -3.8385% | 5,514 |
| Net charge-offs to loans | -0.0041% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6725% | 1,250 |
| Assets per employee ($millions) | 4.4598% | 3,225 |
| Cash dividends to net income (ytd only)* | 170.0323% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9883% | 156 |
| Loan loss allowance to noncurrent loans | 271.5447% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.9333% | 1,831 |
| Noncurrent loans to loans | 1.1005% | 1,746 |
| Net loans and leases to total assets | 30.3907% | 5,489 |
| Net loans and leases to deposits | 39.2801% | 5,436 |
| Net loans and leases to core deposits | 39.7544% | 5,466 |
| Total domestic deposits to total assets | 77.3693% | 4,819 |
| Equity capital to assets | 14.8548% | 763 |
| Core capital (leverage) ratio | 14.4271% | 782 |
| Tier 1 risk-based capital ratio | 34.5715% | 332 |
| Total risk-based capital ratio | 35.8315% | 327 |
| Memoranda: | ||
| Average total assets | $120,191,250 | 3,930 |
| Average earning assets | $112,145,750 | 3,921 |
| Average equity | $15,422,500 | 3,699 |
| Average total loans | $32,827,000 | 4,979 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1814% | 5,262 |
| Cost of funding earning assets | 0.2054% | 4,922 |
| Net interest margin | 2.9760% | 4,963 |
| Noninterest income to average assets | 0.2585% | 4,687 |
| Noninterest expense to average assets | 2.2894% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5774% | 4,400 |
| Return on assets (ROA) | 0.5924% | 4,389 |
| Pretax return on assets | 0.7562% | 4,419 |
| Return on Equity (ROE) | 4.8351% | 4,546 |
| Retained earnings to average equity (ytd only) | -9.2902% | 5,638 |
| Net charge-offs to loans | -0.0061% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6499% | 1,781 |
| Assets per employee ($millions) | 5.0369% | 2,351 |
| Cash dividends to net income (ytd only)* | 292.1409% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1123% | 143 |
| Loan loss allowance to noncurrent loans | 271.5447% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.8636% | 2,052 |
| Noncurrent loans to loans | 1.1461% | 1,707 |
| Net loans and leases to total assets | 25.8036% | 5,614 |
| Net loans and leases to deposits | 32.2578% | 5,599 |
| Net loans and leases to core deposits | 32.5059% | 5,617 |
| Total domestic deposits to total assets | 79.9919% | 4,408 |
| Equity capital to assets | 13.0238% | 1,369 |
| Core capital (leverage) ratio | 13.4008% | 1,022 |
| Tier 1 risk-based capital ratio | 32.6769% | 381 |
| Total risk-based capital ratio | 33.9362% | 371 |
| Memoranda: | ||
| Average total assets | $124,576,330 | 3,886 |
| Average earning assets | $115,861,670 | 3,883 |
| Average equity | $15,263,330 | 3,726 |
| Average total loans | $32,592,330 | 5,023 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0406% | 5,421 |
| Cost of funding earning assets | 0.1708% | 5,233 |
| Net interest margin | 2.8698% | 5,139 |
| Noninterest income to average assets | 0.2341% | 4,865 |
| Noninterest expense to average assets | 2.2528% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5917% | 4,198 |
| Return on assets (ROA) | 0.5917% | 4,242 |
| Pretax return on assets | 0.6929% | 4,474 |
| Return on Equity (ROE) | 4.9790% | 4,401 |
| Retained earnings to average equity (ytd only) | -23.7236% | 5,764 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4769% | 1,840 |
| Assets per employee ($millions) | 5.1550% | 2,234 |
| Cash dividends to net income (ytd only)* | 576.4706% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0923% | 159 |
| Loan loss allowance to noncurrent loans | 160.1600% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 1.2423% | 1,394 |
| Noncurrent loans to loans | 1.9307% | 936 |
| Net loans and leases to total assets | 25.3556% | 5,677 |
| Net loans and leases to deposits | 28.8765% | 5,693 |
| Net loans and leases to core deposits | 29.0740% | 5,703 |
| Total domestic deposits to total assets | 87.8071% | 1,819 |
| Equity capital to assets | 11.8712% | 1,926 |
| Core capital (leverage) ratio | 11.5627% | 1,905 |
| Tier 1 risk-based capital ratio | 30.2215% | 471 |
| Total risk-based capital ratio | 31.4870% | 469 |
| Memoranda: | ||
| Average total assets | $126,421,500 | 3,896 |
| Average earning assets | $119,451,500 | 3,846 |
| Average equity | $15,023,000 | 3,778 |
| Average total loans | $32,791,000 | 5,068 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4361% | 4,909 |
| Cost of funding earning assets | 0.1838% | 5,173 |
| Net interest margin | 3.2523% | 4,289 |
| Noninterest income to average assets | 0.2040% | 5,190 |
| Noninterest expense to average assets | 2.1019% | 4,995 |
| Loan and lease loss provision to assets | -0.9219% | 5,902 |
| Net operating income to assets | 1.5731% | 724 |
| Return on assets (ROA) | 1.6916% | 581 |
| Pretax return on assets | 2.2800% | 288 |
| Return on Equity (ROE) | 13.3540% | 919 |
| Retained earnings to average equity (ytd only) | 10.1456% | 388 |
| Net charge-offs to loans | -3.9651% | 5,873 |
| Credit loss provision to net charge-offs | 92.2292% | 2,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6947% | 3,996 |
| Assets per employee ($millions) | 5.1649% | 2,219 |
| Cash dividends to net income (ytd only)* | 24.0260% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0171% | 174 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.2655% | 1,408 |
| Noncurrent loans to loans | 2.0114% | 893 |
| Net loans and leases to total assets | 24.9444% | 5,746 |
| Net loans and leases to deposits | 28.3712% | 5,755 |
| Net loans and leases to core deposits | 28.5569% | 5,769 |
| Total domestic deposits to total assets | 87.9216% | 1,668 |
| Equity capital to assets | 11.8949% | 1,881 |
| Core capital (leverage) ratio | 12.1615% | 1,505 |
| Tier 1 risk-based capital ratio | 30.6107% | 456 |
| Total risk-based capital ratio | 31.8833% | 452 |
| Memoranda: | ||
| Average total assets | $127,454,400 | 3,873 |
| Average earning assets | $121,327,800 | 3,805 |
| Average equity | $16,145,000 | 3,674 |
| Average total loans | $32,130,200 | 5,130 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2712% | 5,251 |
| Cost of funding earning assets | 0.1838% | 5,237 |
| Net interest margin | 3.0874% | 4,806 |
| Noninterest income to average assets | 0.2152% | 5,175 |
| Noninterest expense to average assets | 2.1243% | 4,959 |
| Loan and lease loss provision to assets | -1.2332% | 5,971 |
| Net operating income to assets | 1.6698% | 633 |
| Return on assets (ROA) | 1.8283% | 482 |
| Pretax return on assets | 2.4822% | 226 |
| Return on Equity (ROE) | 14.2130% | 782 |
| Retained earnings to average equity (ytd only) | 9.9866% | 580 |
| Net charge-offs to loans | -5.3483% | 5,940 |
| Credit loss provision to net charge-offs | 91.9405% | 2,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2425% | 3,374 |
| Assets per employee ($millions) | 4.9404% | 2,439 |
| Cash dividends to net income (ytd only)* | 29.7359% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2076% | 146 |
| Loan loss allowance to noncurrent loans | 159.9364% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.5046% | 1,189 |
| Noncurrent loans to loans | 2.0055% | 978 |
| Net loans and leases to total assets | 25.6028% | 5,801 |
| Net loans and leases to deposits | 31.4095% | 5,798 |
| Net loans and leases to core deposits | 31.6588% | 5,810 |
| Total domestic deposits to total assets | 81.5129% | 4,101 |
| Equity capital to assets | 14.2685% | 939 |
| Core capital (leverage) ratio | 13.4900% | 1,006 |
| Tier 1 risk-based capital ratio | 34.5681% | 344 |
| Total risk-based capital ratio | 35.8331% | 340 |
| Memoranda: | ||
| Average total assets | $127,037,250 | 3,907 |
| Average earning assets | $121,134,500 | 3,830 |
| Average equity | $16,341,500 | 3,680 |
| Average total loans | $31,860,000 | 5,188 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3795% | 5,125 |
| Cost of funding earning assets | 0.1854% | 5,280 |
| Net interest margin | 3.1941% | 4,556 |
| Noninterest income to average assets | 0.1864% | 5,381 |
| Noninterest expense to average assets | 2.0792% | 5,104 |
| Loan and lease loss provision to assets | -1.8096% | 6,052 |
| Net operating income to assets | 2.3197% | 194 |
| Return on assets (ROA) | 2.4134% | 173 |
| Pretax return on assets | 3.0879% | 116 |
| Return on Equity (ROE) | 19.4064% | 270 |
| Retained earnings to average equity (ytd only) | 12.9913% | 237 |
| Net charge-offs to loans | -7.9811% | 6,018 |
| Credit loss provision to net charge-offs | 91.9405% | 2,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2245% | 3,981 |
| Assets per employee ($millions) | 5.1533% | 2,138 |
| Cash dividends to net income (ytd only)* | 33.0568% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9824% | 200 |
| Loan loss allowance to noncurrent loans | 196.4844% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 1.2939% | 1,566 |
| Noncurrent loans to loans | 1.5179% | 1,440 |
| Net loans and leases to total assets | 25.4011% | 5,876 |
| Net loans and leases to deposits | 29.6020% | 5,888 |
| Net loans and leases to core deposits | 29.8768% | 5,897 |
| Total domestic deposits to total assets | 85.8088% | 2,514 |
| Equity capital to assets | 13.1395% | 1,422 |
| Core capital (leverage) ratio | 12.2528% | 1,490 |
| Tier 1 risk-based capital ratio | 30.5267% | 472 |
| Total risk-based capital ratio | 31.7911% | 466 |
| Memoranda: | ||
| Average total assets | $129,860,000 | 3,892 |
| Average earning assets | $124,041,670 | 3,800 |
| Average equity | $16,149,330 | 3,713 |
| Average total loans | $32,025,670 | 5,228 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5241% | 4,833 |
| Cost of funding earning assets | 0.1860% | 5,318 |
| Net interest margin | 3.3381% | 4,085 |
| Noninterest income to average assets | 0.2639% | 4,842 |
| Noninterest expense to average assets | 2.1293% | 5,054 |
| Loan and lease loss provision to assets | -3.6050% | 6,119 |
| Net operating income to assets | 3.1644% | 83 |
| Return on assets (ROA) | 3.1939% | 82 |
| Pretax return on assets | 4.9795% | 55 |
| Return on Equity (ROE) | 26.4213% | 84 |
| Retained earnings to average equity (ytd only) | 26.4213% | 42 |
| Net charge-offs to loans | -16.3988% | 6,081 |
| Credit loss provision to net charge-offs | 91.9405% | 1,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5794% | 4,513 |
| Assets per employee ($millions) | 5.5195% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8740% | 250 |
| Loan loss allowance to noncurrent loans | 123.8916% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.3498% | 1,569 |
| Noncurrent loans to loans | 2.3198% | 857 |
| Net loans and leases to total assets | 25.6645% | 5,922 |
| Net loans and leases to deposits | 29.6056% | 5,935 |
| Net loans and leases to core deposits | 29.8701% | 5,946 |
| Total domestic deposits to total assets | 86.6880% | 2,363 |
| Equity capital to assets | 12.4907% | 1,686 |
| Core capital (leverage) ratio | 12.4424% | 1,360 |
| Tier 1 risk-based capital ratio | 29.2848% | 534 |
| Total risk-based capital ratio | 30.5457% | 526 |
| Memoranda: | ||
| Average total assets | $130,373,500 | 3,905 |
| Average earning assets | $124,741,500 | 3,813 |
| Average equity | $15,760,000 | 3,769 |
| Average total loans | $31,173,000 | 5,303 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3251% | 5,304 |
| Cost of funding earning assets | 0.2139% | 5,152 |
| Net interest margin | 3.1112% | 4,877 |
| Noninterest income to average assets | 0.2576% | 5,051 |
| Noninterest expense to average assets | 2.2966% | 4,800 |
| Loan and lease loss provision to assets | -0.0406% | 5,716 |
| Net operating income to assets | 0.7749% | 3,445 |
| Return on assets (ROA) | 0.8427% | 3,213 |
| Pretax return on assets | 1.0410% | 3,305 |
| Return on Equity (ROE) | 7.1361% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.1361% | 1,220 |
| Net charge-offs to loans | 1.0286% | 196 |
| Credit loss provision to net charge-offs | -15.9744% | 4,973 |
| Earnings coverage of net charge-offs (x) | 3.6038% | 3,701 |
| Efficiency ratio | 71.4719% | 2,990 |
| Assets per employee ($millions) | 5.1312% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3025% | 158 |
| Loan loss allowance to noncurrent loans | 92.7105% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.5692% | 1,262 |
| Noncurrent loans to loans | 3.5622% | 380 |
| Net loans and leases to total assets | 20.6112% | 6,044 |
| Net loans and leases to deposits | 23.4177% | 6,054 |
| Net loans and leases to core deposits | 23.6304% | 6,065 |
| Total domestic deposits to total assets | 88.0153% | 1,619 |
| Equity capital to assets | 11.6729% | 2,214 |
| Core capital (leverage) ratio | 11.9144% | 1,672 |
| Tier 1 risk-based capital ratio | 29.0273% | 552 |
| Total risk-based capital ratio | 30.2902% | 543 |
| Memoranda: | ||
| Average total assets | $123,050,200 | 4,023 |
| Average earning assets | $116,900,000 | 3,952 |
| Average equity | $14,531,800 | 3,902 |
| Average total loans | $30,430,800 | 5,345 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3827% | 5,235 |
| Cost of funding earning assets | 0.2200% | 5,184 |
| Net interest margin | 3.1627% | 4,793 |
| Noninterest income to average assets | 0.2815% | 4,932 |
| Noninterest expense to average assets | 2.3152% | 4,743 |
| Loan and lease loss provision to assets | 0.0821% | 2,530 |
| Net operating income to assets | 0.7365% | 3,741 |
| Return on assets (ROA) | 0.8301% | 3,367 |
| Pretax return on assets | 1.0043% | 3,598 |
| Return on Equity (ROE) | 7.0080% | 3,610 |
| Retained earnings to average equity (ytd only) | 7.0080% | 1,679 |
| Net charge-offs to loans | 1.3332% | 121 |
| Credit loss provision to net charge-offs | 24.0385% | 3,330 |
| Earnings coverage of net charge-offs (x) | 2.8493% | 3,595 |
| Efficiency ratio | 70.3963% | 3,148 |
| Assets per employee ($millions) | 4.5888% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6510% | 125 |
| Loan loss allowance to noncurrent loans | 88.8601% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.1888% | 877 |
| Noncurrent loans to loans | 4.1087% | 302 |
| Net loans and leases to total assets | 23.6705% | 6,099 |
| Net loans and leases to deposits | 28.7130% | 6,095 |
| Net loans and leases to core deposits | 29.0316% | 6,106 |
| Total domestic deposits to total assets | 82.4383% | 4,010 |
| Equity capital to assets | 12.7902% | 1,571 |
| Core capital (leverage) ratio | 12.0846% | 1,628 |
| Tier 1 risk-based capital ratio | 28.2699% | 601 |
| Total risk-based capital ratio | 29.5411% | 592 |
| Memoranda: | ||
| Average total assets | $121,742,750 | 4,087 |
| Average earning assets | $115,762,750 | 4,011 |
| Average equity | $14,421,250 | 3,964 |
| Average total loans | $31,202,750 | 5,378 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3888% | 5,258 |
| Cost of funding earning assets | 0.2182% | 5,275 |
| Net interest margin | 3.1705% | 4,748 |
| Noninterest income to average assets | 0.2724% | 4,998 |
| Noninterest expense to average assets | 2.2517% | 4,970 |
| Loan and lease loss provision to assets | 0.1209% | 1,830 |
| Net operating income to assets | 0.7507% | 3,641 |
| Return on assets (ROA) | 0.8655% | 3,158 |
| Pretax return on assets | 1.0622% | 3,330 |
| Return on Equity (ROE) | 7.4909% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.4909% | 1,482 |
| Net charge-offs to loans | 1.9436% | 75 |
| Credit loss provision to net charge-offs | 23.9617% | 2,979 |
| Earnings coverage of net charge-offs (x) | 2.0639% | 3,408 |
| Efficiency ratio | 68.3798% | 3,618 |
| Assets per employee ($millions) | 4.6203% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2045% | 219 |
| Loan loss allowance to noncurrent loans | 87.6385% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 2.1028% | 1,023 |
| Noncurrent loans to loans | 3.6565% | 468 |
| Net loans and leases to total assets | 25.8491% | 6,134 |
| Net loans and leases to deposits | 30.8855% | 6,136 |
| Net loans and leases to core deposits | 31.2077% | 6,146 |
| Total domestic deposits to total assets | 83.6932% | 3,696 |
| Equity capital to assets | 11.8141% | 2,156 |
| Core capital (leverage) ratio | 11.3776% | 2,088 |
| Tier 1 risk-based capital ratio | 25.6213% | 809 |
| Total risk-based capital ratio | 26.8896% | 793 |
| Memoranda: | ||
| Average total assets | $124,083,330 | 4,072 |
| Average earning assets | $118,214,670 | 3,983 |
| Average equity | $14,337,330 | 3,991 |
| Average total loans | $32,209,000 | 5,396 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3370% | 5,357 |
| Cost of funding earning assets | 0.2222% | 5,296 |
| Net interest margin | 3.1148% | 4,906 |
| Noninterest income to average assets | 0.2761% | 4,967 |
| Noninterest expense to average assets | 2.3544% | 4,728 |
| Loan and lease loss provision to assets | 0.2380% | 717 |
| Net operating income to assets | 0.6333% | 4,127 |
| Return on assets (ROA) | 0.6695% | 4,080 |
| Pretax return on assets | 0.7012% | 4,586 |
| Return on Equity (ROE) | 5.8570% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.8570% | 2,574 |
| Net charge-offs to loans | 3.5323% | 39 |
| Credit loss provision to net charge-offs | 26.3158% | 2,304 |
| Earnings coverage of net charge-offs (x) | 0.9965% | 2,980 |
| Efficiency ratio | 72.3197% | 3,115 |
| Assets per employee ($millions) | 4.8869% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3084% | 212 |
| Loan loss allowance to noncurrent loans | 53.9601% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.0494% | 1,149 |
| Noncurrent loans to loans | 6.1311% | 174 |
| Net loans and leases to total assets | 24.2903% | 6,208 |
| Net loans and leases to deposits | 27.5661% | 6,224 |
| Net loans and leases to core deposits | 27.9554% | 6,234 |
| Total domestic deposits to total assets | 88.1165% | 1,751 |
| Equity capital to assets | 11.6725% | 2,320 |
| Core capital (leverage) ratio | 11.2652% | 2,181 |
| Tier 1 risk-based capital ratio | 25.7238% | 811 |
| Total risk-based capital ratio | 26.9811% | 796 |
| Memoranda: | ||
| Average total assets | $126,061,000 | 4,061 |
| Average earning assets | $120,587,000 | 3,961 |
| Average equity | $14,410,000 | 4,011 |
| Average total loans | $32,273,500 | 5,431 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 4,404 |
| Cost of funding earning assets | 0.3781% | 3,931 |
| Net interest margin | 3.4492% | 3,987 |
| Noninterest income to average assets | 0.0202% | 6,358 |
| Noninterest expense to average assets | 2.2973% | 5,119 |
| Loan and lease loss provision to assets | 0.6301% | 212 |
| Net operating income to assets | 0.2602% | 5,625 |
| Return on assets (ROA) | 0.4394% | 5,160 |
| Pretax return on assets | 0.5784% | 5,004 |
| Return on Equity (ROE) | 4.3061% | 4,977 |
| Retained earnings to average equity (ytd only) | 4.3061% | 3,125 |
| Net charge-offs to loans | 3.8401% | 18 |
| Credit loss provision to net charge-offs | 54.9683% | 3,379 |
| Earnings coverage of net charge-offs (x) | 0.8485% | 4,552 |
| Efficiency ratio | 70.2569% | 3,488 |
| Assets per employee ($millions) | 4.8101% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8801% | 142 |
| Loan loss allowance to noncurrent loans | 58.3679% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 2.2597% | 1,070 |
| Noncurrent loans to loans | 6.6477% | 156 |
| Net loans and leases to total assets | 25.0770% | 6,298 |
| Net loans and leases to deposits | 28.2900% | 6,315 |
| Net loans and leases to core deposits | 28.6932% | 6,325 |
| Total domestic deposits to total assets | 88.6425% | 1,447 |
| Equity capital to assets | 11.1856% | 2,714 |
| Core capital (leverage) ratio | 10.3566% | 3,109 |
| Tier 1 risk-based capital ratio | 23.8585% | 972 |
| Total risk-based capital ratio | 25.1215% | 946 |
| Memoranda: | ||
| Average total assets | $123,798,800 | 4,105 |
| Average earning assets | $116,634,800 | 4,034 |
| Average equity | $12,633,200 | 4,256 |
| Average total loans | $36,952,400 | 5,293 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 4,340 |
| Cost of funding earning assets | 0.3922% | 3,878 |
| Net interest margin | 3.4653% | 3,963 |
| Noninterest income to average assets | -0.0777% | 6,520 |
| Noninterest expense to average assets | 2.2286% | 5,286 |
| Loan and lease loss provision to assets | 0.1944% | 1,237 |
| Net operating income to assets | 0.5352% | 4,741 |
| Return on assets (ROA) | 0.7591% | 3,725 |
| Pretax return on assets | 1.0679% | 3,307 |
| Return on Equity (ROE) | 7.6240% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.6240% | 1,519 |
| Net charge-offs to loans | 2.7589% | 49 |
| Credit loss provision to net charge-offs | 22.8717% | 3,549 |
| Earnings coverage of net charge-offs (x) | 1.1144% | 4,226 |
| Efficiency ratio | 70.1802% | 3,479 |
| Assets per employee ($millions) | 4.6065% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4661% | 237 |
| Loan loss allowance to noncurrent loans | 40.0989% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 3.2512% | 686 |
| Noncurrent loans to loans | 8.6440% | 106 |
| Net loans and leases to total assets | 30.1829% | 6,241 |
| Net loans and leases to deposits | 37.9607% | 6,186 |
| Net loans and leases to core deposits | 38.8096% | 6,214 |
| Total domestic deposits to total assets | 79.5107% | 5,218 |
| Equity capital to assets | 11.1948% | 2,763 |
| Core capital (leverage) ratio | 10.8117% | 2,683 |
| Tier 1 risk-based capital ratio | 21.9507% | 1,263 |
| Total risk-based capital ratio | 23.2132% | 1,247 |
| Memoranda: | ||
| Average total assets | $123,482,750 | 4,146 |
| Average earning assets | $115,928,000 | 4,094 |
| Average equity | $12,294,250 | 4,325 |
| Average total loans | $38,033,500 | 5,300 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 4,383 |
| Cost of funding earning assets | 0.3886% | 4,011 |
| Net interest margin | 3.4492% | 3,981 |
| Noninterest income to average assets | 0.1331% | 6,152 |
| Noninterest expense to average assets | 2.1713% | 5,479 |
| Loan and lease loss provision to assets | 0.0802% | 2,693 |
| Net operating income to assets | 0.8614% | 3,004 |
| Return on assets (ROA) | 1.2219% | 1,583 |
| Pretax return on assets | 1.5811% | 1,306 |
| Return on Equity (ROE) | 12.7820% | 1,236 |
| Retained earnings to average equity (ytd only) | 12.7820% | 358 |
| Net charge-offs to loans | 3.8924% | 26 |
| Credit loss provision to net charge-offs | 6.7204% | 3,338 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,916 |
| Efficiency ratio | 64.5377% | 4,608 |
| Assets per employee ($millions) | 4.7230% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2055% | 303 |
| Loan loss allowance to noncurrent loans | 29.4432% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 4.2672% | 472 |
| Noncurrent loans to loans | 10.8870% | 63 |
| Net loans and leases to total assets | 29.7790% | 6,317 |
| Net loans and leases to deposits | 35.6862% | 6,299 |
| Net loans and leases to core deposits | 36.2400% | 6,323 |
| Total domestic deposits to total assets | 83.4468% | 4,131 |
| Equity capital to assets | 10.7282% | 3,170 |
| Core capital (leverage) ratio | 10.2948% | 3,222 |
| Tier 1 risk-based capital ratio | 21.2141% | 1,406 |
| Total risk-based capital ratio | 22.4740% | 1,377 |
| Memoranda: | ||
| Average total assets | $124,720,330 | 4,141 |
| Average earning assets | $116,840,330 | 4,090 |
| Average equity | $11,923,000 | 4,409 |
| Average total loans | $38,228,670 | 5,331 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8150% | 4,425 |
| Cost of funding earning assets | 0.3846% | 4,147 |
| Net interest margin | 3.4305% | 3,981 |
| Noninterest income to average assets | 0.0796% | 6,391 |
| Noninterest expense to average assets | 2.2501% | 5,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8072% | 3,117 |
| Return on assets (ROA) | 1.4640% | 899 |
| Pretax return on assets | 1.8905% | 664 |
| Return on Equity (ROE) | 16.2868% | 614 |
| Retained earnings to average equity (ytd only) | 16.2868% | 261 |
| Net charge-offs to loans | 6.3037% | 15 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.5380% | 3,324 |
| Efficiency ratio | 68.4414% | 4,105 |
| Assets per employee ($millions) | 4.8598% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3117% | 319 |
| Loan loss allowance to noncurrent loans | 30.3647% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 4.3275% | 519 |
| Noncurrent loans to loans | 10.9063% | 84 |
| Net loans and leases to total assets | 30.0157% | 6,353 |
| Net loans and leases to deposits | 35.3609% | 6,338 |
| Net loans and leases to core deposits | 35.8839% | 6,366 |
| Total domestic deposits to total assets | 84.8837% | 3,929 |
| Equity capital to assets | 9.5090% | 4,488 |
| Core capital (leverage) ratio | 9.6347% | 4,090 |
| Tier 1 risk-based capital ratio | 19.6019% | 1,813 |
| Total risk-based capital ratio | 20.8631% | 1,788 |
| Memoranda: | ||
| Average total assets | $125,681,500 | 4,151 |
| Average earning assets | $117,535,500 | 4,104 |
| Average equity | $11,297,500 | 4,545 |
| Average total loans | $38,453,500 | 5,376 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 5,025 |
| Cost of funding earning assets | 0.4725% | 3,887 |
| Net interest margin | 3.2612% | 4,801 |
| Noninterest income to average assets | 0.0437% | 6,568 |
| Noninterest expense to average assets | 2.3068% | 5,366 |
| Loan and lease loss provision to assets | 0.8100% | 262 |
| Net operating income to assets | -0.0255% | 6,238 |
| Return on assets (ROA) | 0.1466% | 6,017 |
| Pretax return on assets | 0.1758% | 5,982 |
| Return on Equity (ROE) | 1.4408% | 5,999 |
| Retained earnings to average equity (ytd only) | 1.4408% | 5,174 |
| Net charge-offs to loans | 2.0836% | 171 |
| Credit loss provision to net charge-offs | 119.7605% | 1,999 |
| Earnings coverage of net charge-offs (x) | 1.1509% | 4,690 |
| Efficiency ratio | 74.7703% | 3,001 |
| Assets per employee ($millions) | 4.8080% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0555% | 89 |
| Loan loss allowance to noncurrent loans | 37.9633% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 5.0164% | 469 |
| Noncurrent loans to loans | 13.3167% | 52 |
| Net loans and leases to total assets | 28.6195% | 6,504 |
| Net loans and leases to deposits | 33.2444% | 6,502 |
| Net loans and leases to core deposits | 33.7315% | 6,523 |
| Total domestic deposits to total assets | 86.0882% | 3,212 |
| Equity capital to assets | 8.4634% | 5,625 |
| Core capital (leverage) ratio | 9.7246% | 3,953 |
| Tier 1 risk-based capital ratio | 19.0671% | 1,901 |
| Total risk-based capital ratio | 20.3415% | 1,851 |
| Memoranda: | ||
| Average total assets | $123,462,000 | 4,200 |
| Average earning assets | $115,140,000 | 4,158 |
| Average equity | $12,562,800 | 4,342 |
| Average total loans | $40,075,200 | 5,342 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7622% | 4,992 |
| Cost of funding earning assets | 0.4950% | 3,815 |
| Net interest margin | 3.2672% | 4,761 |
| Noninterest income to average assets | 0.2459% | 5,679 |
| Noninterest expense to average assets | 2.2696% | 5,437 |
| Loan and lease loss provision to assets | 0.5417% | 490 |
| Net operating income to assets | 0.4174% | 5,173 |
| Return on assets (ROA) | 0.6587% | 4,210 |
| Pretax return on assets | 0.7583% | 4,461 |
| Return on Equity (ROE) | 6.2078% | 4,072 |
| Retained earnings to average equity (ytd only) | 6.2078% | 2,282 |
| Net charge-offs to loans | 2.7405% | 96 |
| Credit loss provision to net charge-offs | 59.8086% | 3,306 |
| Earnings coverage of net charge-offs (x) | 1.1292% | 4,465 |
| Efficiency ratio | 68.9372% | 3,923 |
| Assets per employee ($millions) | 3.9865% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6233% | 305 |
| Loan loss allowance to noncurrent loans | 26.7327% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 6.8292% | 310 |
| Noncurrent loans to loans | 13.5539% | 59 |
| Net loans and leases to total assets | 33.4564% | 6,391 |
| Net loans and leases to deposits | 40.1732% | 6,379 |
| Net loans and leases to core deposits | 40.7425% | 6,427 |
| Total domestic deposits to total assets | 83.2803% | 4,470 |
| Equity capital to assets | 10.5758% | 3,190 |
| Core capital (leverage) ratio | 10.6364% | 2,850 |
| Tier 1 risk-based capital ratio | 21.2933% | 1,438 |
| Total risk-based capital ratio | 22.5581% | 1,401 |
| Memoranda: | ||
| Average total assets | $123,075,250 | 4,246 |
| Average earning assets | $114,752,750 | 4,209 |
| Average equity | $13,058,500 | 4,301 |
| Average total loans | $40,673,500 | 5,367 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6911% | 5,170 |
| Cost of funding earning assets | 0.5073% | 3,834 |
| Net interest margin | 3.1838% | 4,994 |
| Noninterest income to average assets | 0.1907% | 6,067 |
| Noninterest expense to average assets | 2.2287% | 5,558 |
| Loan and lease loss provision to assets | 0.7881% | 274 |
| Net operating income to assets | 0.1576% | 6,010 |
| Return on assets (ROA) | 0.5075% | 4,936 |
| Pretax return on assets | 0.5012% | 5,375 |
| Return on Equity (ROE) | 4.7787% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.7787% | 3,199 |
| Net charge-offs to loans | 4.1922% | 48 |
| Credit loss provision to net charge-offs | 57.7367% | 3,057 |
| Earnings coverage of net charge-offs (x) | 0.6882% | 4,293 |
| Efficiency ratio | 70.3483% | 3,758 |
| Assets per employee ($millions) | 4.3833% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3809% | 407 |
| Loan loss allowance to noncurrent loans | 22.8201% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 7.0983% | 334 |
| Noncurrent loans to loans | 14.8155% | 50 |
| Net loans and leases to total assets | 31.9930% | 6,507 |
| Net loans and leases to deposits | 37.5899% | 6,500 |
| Net loans and leases to core deposits | 38.0625% | 6,536 |
| Total domestic deposits to total assets | 85.1108% | 3,838 |
| Equity capital to assets | 9.4376% | 4,667 |
| Core capital (leverage) ratio | 10.1103% | 3,353 |
| Tier 1 risk-based capital ratio | 19.8498% | 1,752 |
| Total risk-based capital ratio | 21.1114% | 1,727 |
| Memoranda: | ||
| Average total assets | $126,892,670 | 4,210 |
| Average earning assets | $118,662,330 | 4,148 |
| Average equity | $13,476,330 | 4,244 |
| Average total loans | $41,315,000 | 5,366 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6882% | 5,207 |
| Cost of funding earning assets | 0.5486% | 3,586 |
| Net interest margin | 3.1396% | 5,129 |
| Noninterest income to average assets | 0.0744% | 6,661 |
| Noninterest expense to average assets | 2.1896% | 5,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6434% | 4,000 |
| Return on assets (ROA) | 1.0111% | 2,292 |
| Pretax return on assets | 1.3026% | 2,223 |
| Return on Equity (ROE) | 9.0411% | 2,477 |
| Retained earnings to average equity (ytd only) | 9.0411% | 1,370 |
| Net charge-offs to loans | 0.0192% | 3,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 292 |
| Efficiency ratio | 72.4846% | 3,521 |
| Assets per employee ($millions) | 4.3776% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1249% | 256 |
| Loan loss allowance to noncurrent loans | 25.1120% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 7.5755% | 350 |
| Noncurrent loans to loans | 16.4262% | 51 |
| Net loans and leases to total assets | 31.8207% | 6,520 |
| Net loans and leases to deposits | 38.1685% | 6,500 |
| Net loans and leases to core deposits | 38.8042% | 6,532 |
| Total domestic deposits to total assets | 83.3689% | 4,726 |
| Equity capital to assets | 11.3108% | 2,622 |
| Core capital (leverage) ratio | 10.8018% | 2,455 |
| Tier 1 risk-based capital ratio | 21.4758% | 1,435 |
| Total risk-based capital ratio | 22.7446% | 1,401 |
| Memoranda: | ||
| Average total assets | $128,972,500 | 4,206 |
| Average earning assets | $121,035,000 | 4,133 |
| Average equity | $14,423,000 | 4,110 |
| Average total loans | $41,652,500 | 5,390 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9601% | 5,416 |
| Cost of funding earning assets | 0.7094% | 3,419 |
| Net interest margin | 3.2507% | 5,427 |
| Noninterest income to average assets | -0.0175% | 6,861 |
| Noninterest expense to average assets | 2.2723% | 5,762 |
| Loan and lease loss provision to assets | 0.3461% | 1,938 |
| Net operating income to assets | 0.3216% | 5,394 |
| Return on assets (ROA) | 0.7805% | 3,614 |
| Pretax return on assets | 0.9357% | 3,792 |
| Return on Equity (ROE) | 7.0283% | 3,629 |
| Retained earnings to average equity (ytd only) | 7.0283% | 1,555 |
| Net charge-offs to loans | 1.9647% | 375 |
| Credit loss provision to net charge-offs | 49.6575% | 4,706 |
| Earnings coverage of net charge-offs (x) | 1.0457% | 4,944 |
| Efficiency ratio | 75.7158% | 2,794 |
| Assets per employee ($millions) | 4.3665% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2263% | 245 |
| Loan loss allowance to noncurrent loans | 22.9189% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 7.9773% | 344 |
| Noncurrent loans to loans | 18.4402% | 41 |
| Net loans and leases to total assets | 30.1009% | 6,695 |
| Net loans and leases to deposits | 37.0874% | 6,660 |
| Net loans and leases to core deposits | 37.7013% | 6,687 |
| Total domestic deposits to total assets | 81.1620% | 5,354 |
| Equity capital to assets | 11.0591% | 2,882 |
| Core capital (leverage) ratio | 11.2499% | 2,055 |
| Tier 1 risk-based capital ratio | 21.5799% | 1,339 |
| Total risk-based capital ratio | 22.8504% | 1,312 |
| Memoranda: | ||
| Average total assets | $125,687,200 | 4,234 |
| Average earning assets | $116,714,600 | 4,191 |
| Average equity | $13,957,800 | 4,163 |
| Average total loans | $44,587,200 | 5,303 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1163% | 5,129 |
| Cost of funding earning assets | 0.7541% | 3,321 |
| Net interest margin | 3.3622% | 5,173 |
| Noninterest income to average assets | 0.0504% | 6,801 |
| Noninterest expense to average assets | 2.2139% | 5,922 |
| Loan and lease loss provision to assets | 0.4021% | 1,593 |
| Net operating income to assets | 0.4234% | 5,146 |
| Return on assets (ROA) | 1.0046% | 2,708 |
| Pretax return on assets | 1.2962% | 2,623 |
| Return on Equity (ROE) | 9.0362% | 2,782 |
| Retained earnings to average equity (ytd only) | 9.0362% | 1,217 |
| Net charge-offs to loans | 2.3356% | 277 |
| Credit loss provision to net charge-offs | 47.1106% | 4,465 |
| Earnings coverage of net charge-offs (x) | 1.1168% | 4,740 |
| Efficiency ratio | 69.9052% | 3,703 |
| Assets per employee ($millions) | 3.8787% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9926% | 312 |
| Loan loss allowance to noncurrent loans | 22.7861% | 6,419 |
| Noncurrent assets plus other real estate owned to assets | 9.2660% | 286 |
| Noncurrent loans to loans | 17.5219% | 66 |
| Net loans and leases to total assets | 36.3713% | 6,529 |
| Net loans and leases to deposits | 46.4301% | 6,356 |
| Net loans and leases to core deposits | 47.4648% | 6,447 |
| Total domestic deposits to total assets | 78.3355% | 6,011 |
| Equity capital to assets | 12.6142% | 1,814 |
| Core capital (leverage) ratio | 10.9982% | 2,383 |
| Tier 1 risk-based capital ratio | 21.4766% | 1,426 |
| Total risk-based capital ratio | 22.7468% | 1,397 |
| Memoranda: | ||
| Average total assets | $124,360,000 | 4,304 |
| Average earning assets | $115,279,750 | 4,260 |
| Average equity | $13,825,500 | 4,233 |
| Average total loans | $45,441,250 | 5,327 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 4,809 |
| Cost of funding earning assets | 0.7734% | 3,419 |
| Net interest margin | 3.4661% | 4,815 |
| Noninterest income to average assets | 0.0677% | 6,798 |
| Noninterest expense to average assets | 2.1980% | 6,014 |
| Loan and lease loss provision to assets | 0.1574% | 3,542 |
| Net operating income to assets | 0.7219% | 3,743 |
| Return on assets (ROA) | 0.9872% | 2,753 |
| Pretax return on assets | 1.2627% | 2,678 |
| Return on Equity (ROE) | 9.2605% | 2,685 |
| Retained earnings to average equity (ytd only) | 9.2605% | 1,191 |
| Net charge-offs to loans | 1.0197% | 1,082 |
| Credit loss provision to net charge-offs | 42.7350% | 4,198 |
| Earnings coverage of net charge-offs (x) | 2.9316% | 3,572 |
| Efficiency ratio | 67.0509% | 4,315 |
| Assets per employee ($millions) | 4.2508% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4268% | 245 |
| Loan loss allowance to noncurrent loans | 34.5719% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 7.2292% | 524 |
| Noncurrent loans to loans | 12.8047% | 149 |
| Net loans and leases to total assets | 34.6554% | 6,687 |
| Net loans and leases to deposits | 42.9393% | 6,604 |
| Net loans and leases to core deposits | 43.7829% | 6,670 |
| Total domestic deposits to total assets | 80.7079% | 5,553 |
| Equity capital to assets | 11.1516% | 2,954 |
| Core capital (leverage) ratio | 10.1671% | 3,181 |
| Tier 1 risk-based capital ratio | 19.7835% | 1,765 |
| Total risk-based capital ratio | 21.0574% | 1,723 |
| Memoranda: | ||
| Average total assets | $127,026,330 | 4,266 |
| Average earning assets | $117,655,330 | 4,224 |
| Average equity | $13,541,330 | 4,293 |
| Average total loans | $45,894,330 | 5,346 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 4,970 |
| Cost of funding earning assets | 0.8039% | 3,445 |
| Net interest margin | 3.4345% | 4,981 |
| Noninterest income to average assets | 0.3818% | 4,813 |
| Noninterest expense to average assets | 2.1360% | 6,188 |
| Loan and lease loss provision to assets | 0.3155% | 1,987 |
| Net operating income to assets | 0.8544% | 3,132 |
| Return on assets (ROA) | 1.0759% | 2,370 |
| Pretax return on assets | 1.3819% | 2,241 |
| Return on Equity (ROE) | 10.3322% | 2,289 |
| Retained earnings to average equity (ytd only) | 10.3322% | 1,193 |
| Net charge-offs to loans | 0.3150% | 2,384 |
| Credit loss provision to net charge-offs | 277.7778% | 1,052 |
| Earnings coverage of net charge-offs (x) | 12.4444% | 1,601 |
| Efficiency ratio | 60.1778% | 5,587 |
| Assets per employee ($millions) | 4.2270% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8180% | 200 |
| Loan loss allowance to noncurrent loans | 34.9688% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 7.8669% | 492 |
| Noncurrent loans to loans | 13.7780% | 147 |
| Net loans and leases to total assets | 34.9746% | 6,692 |
| Net loans and leases to deposits | 42.8893% | 6,619 |
| Net loans and leases to core deposits | 43.5369% | 6,677 |
| Total domestic deposits to total assets | 81.5463% | 5,447 |
| Equity capital to assets | 10.5158% | 3,470 |
| Core capital (leverage) ratio | 9.7879% | 3,659 |
| Tier 1 risk-based capital ratio | 19.3468% | 1,885 |
| Total risk-based capital ratio | 20.6242% | 1,844 |
| Memoranda: | ||
| Average total assets | $126,777,500 | 4,304 |
| Average earning assets | $116,931,000 | 4,274 |
| Average equity | $13,201,500 | 4,370 |
| Average total loans | $45,721,000 | 5,385 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 4,891 |
| Cost of funding earning assets | 1.0189% | 3,246 |
| Net interest margin | 3.5270% | 5,036 |
| Noninterest income to average assets | 0.1290% | 6,514 |
| Noninterest expense to average assets | 2.3987% | 5,779 |
| Loan and lease loss provision to assets | 1.0257% | 918 |
| Net operating income to assets | -0.0148% | 6,064 |
| Return on assets (ROA) | 0.6654% | 3,846 |
| Pretax return on assets | 0.7993% | 3,980 |
| Return on Equity (ROE) | 6.6715% | 3,554 |
| Retained earnings to average equity (ytd only) | 6.6715% | 1,654 |
| Net charge-offs to loans | 1.6778% | 915 |
| Credit loss provision to net charge-offs | 156.8238% | 1,787 |
| Earnings coverage of net charge-offs (x) | 1.5372% | 4,624 |
| Efficiency ratio | 70.4648% | 3,850 |
| Assets per employee ($millions) | 4.3706% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8633% | 196 |
| Loan loss allowance to noncurrent loans | 34.8681% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 7.7667% | 541 |
| Noncurrent loans to loans | 13.9477% | 154 |
| Net loans and leases to total assets | 33.6618% | 6,880 |
| Net loans and leases to deposits | 41.1777% | 6,825 |
| Net loans and leases to core deposits | 43.3900% | 6,841 |
| Total domestic deposits to total assets | 81.7477% | 5,212 |
| Equity capital to assets | 10.3104% | 3,769 |
| Core capital (leverage) ratio | 10.5998% | 2,621 |
| Tier 1 risk-based capital ratio | 19.9285% | 1,665 |
| Total risk-based capital ratio | 21.2075% | 1,624 |
| Memoranda: | ||
| Average total assets | $123,233,000 | 4,310 |
| Average earning assets | $114,433,000 | 4,273 |
| Average equity | $12,291,000 | 4,483 |
| Average total loans | $48,039,400 | 5,348 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7166% | 4,372 |
| Cost of funding earning assets | 1.0727% | 3,160 |
| Net interest margin | 3.6439% | 4,602 |
| Noninterest income to average assets | -0.0632% | 7,176 |
| Noninterest expense to average assets | 2.3919% | 5,782 |
| Loan and lease loss provision to assets | 0.8053% | 1,155 |
| Net operating income to assets | 0.1175% | 5,923 |
| Return on assets (ROA) | 0.6288% | 4,153 |
| Pretax return on assets | 0.7355% | 4,362 |
| Return on Equity (ROE) | 6.3596% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.3596% | 2,320 |
| Net charge-offs to loans | 0.9228% | 1,736 |
| Credit loss provision to net charge-offs | 218.6391% | 1,305 |
| Earnings coverage of net charge-offs (x) | 2.5503% | 3,848 |
| Efficiency ratio | 71.8024% | 3,590 |
| Assets per employee ($millions) | 3.8906% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6073% | 244 |
| Loan loss allowance to noncurrent loans | 43.0657% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 7.5222% | 624 |
| Noncurrent loans to loans | 10.6982% | 313 |
| Net loans and leases to total assets | 38.9777% | 6,714 |
| Net loans and leases to deposits | 50.7612% | 6,460 |
| Net loans and leases to core deposits | 54.2390% | 6,447 |
| Total domestic deposits to total assets | 76.7864% | 6,409 |
| Equity capital to assets | 11.7118% | 2,483 |
| Core capital (leverage) ratio | 10.4602% | 2,917 |
| Tier 1 risk-based capital ratio | 19.9390% | 1,704 |
| Total risk-based capital ratio | 21.2180% | 1,666 |
| Memoranda: | ||
| Average total assets | $122,354,750 | 4,357 |
| Average earning assets | $113,977,500 | 4,307 |
| Average equity | $12,096,750 | 4,539 |
| Average total loans | $48,837,750 | 5,352 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7988% | 4,100 |
| Cost of funding earning assets | 1.1013% | 3,227 |
| Net interest margin | 3.6975% | 4,272 |
| Noninterest income to average assets | 0.3505% | 5,086 |
| Noninterest expense to average assets | 2.3787% | 5,909 |
| Loan and lease loss provision to assets | 0.7791% | 1,193 |
| Net operating income to assets | 0.4817% | 4,587 |
| Return on assets (ROA) | 1.1137% | 1,919 |
| Pretax return on assets | 1.5024% | 1,523 |
| Return on Equity (ROE) | 11.9239% | 1,517 |
| Retained earnings to average equity (ytd only) | 11.9239% | 524 |
| Net charge-offs to loans | 0.1970% | 3,971 |
| Credit loss provision to net charge-offs | 997.9592% | 337 |
| Earnings coverage of net charge-offs (x) | 18.2857% | 1,268 |
| Efficiency ratio | 62.4948% | 5,504 |
| Assets per employee ($millions) | 3.9883% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3444% | 322 |
| Loan loss allowance to noncurrent loans | 42.5201% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 6.3627% | 850 |
| Noncurrent loans to loans | 10.2173% | 373 |
| Net loans and leases to total assets | 39.8036% | 6,761 |
| Net loans and leases to deposits | 50.5901% | 6,562 |
| Net loans and leases to core deposits | 51.4303% | 6,690 |
| Total domestic deposits to total assets | 78.6786% | 6,153 |
| Equity capital to assets | 10.6235% | 3,359 |
| Core capital (leverage) ratio | 10.0396% | 3,214 |
| Tier 1 risk-based capital ratio | 19.1548% | 1,799 |
| Total risk-based capital ratio | 20.4313% | 1,757 |
| Memoranda: | ||
| Average total assets | $125,531,000 | 4,313 |
| Average earning assets | $117,321,000 | 4,248 |
| Average equity | $11,724,330 | 4,635 |
| Average total loans | $49,750,000 | 5,366 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 3,854 |
| Cost of funding earning assets | 1.1276% | 3,309 |
| Net interest margin | 3.7154% | 4,022 |
| Noninterest income to average assets | 0.3487% | 5,115 |
| Noninterest expense to average assets | 2.1452% | 6,539 |
| Loan and lease loss provision to assets | 1.5225% | 414 |
| Net operating income to assets | 0.2802% | 5,498 |
| Return on assets (ROA) | 0.3269% | 5,358 |
| Pretax return on assets | 0.2055% | 5,929 |
| Return on Equity (ROE) | 3.7396% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.7396% | 3,929 |
| Net charge-offs to loans | 0.0563% | 4,370 |
| Credit loss provision to net charge-offs | 6,985.7143% | 47 |
| Earnings coverage of net charge-offs (x) | 77.1429% | 406 |
| Efficiency ratio | 56.0618% | 6,497 |
| Assets per employee ($millions) | 4.2166% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4817% | 289 |
| Loan loss allowance to noncurrent loans | 39.3399% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 6.0017% | 964 |
| Noncurrent loans to loans | 11.3923% | 320 |
| Net loans and leases to total assets | 37.1511% | 6,952 |
| Net loans and leases to deposits | 45.6999% | 6,869 |
| Net loans and leases to core deposits | 47.0830% | 6,919 |
| Total domestic deposits to total assets | 81.2936% | 5,573 |
| Equity capital to assets | 8.9844% | 5,224 |
| Core capital (leverage) ratio | 8.9911% | 4,626 |
| Tier 1 risk-based capital ratio | 17.9644% | 2,122 |
| Total risk-based capital ratio | 19.2423% | 2,086 |
| Memoranda: | ||
| Average total assets | $128,471,500 | 4,296 |
| Average earning assets | $120,257,000 | 4,216 |
| Average equity | $11,231,000 | 4,739 |
| Average total loans | $49,731,000 | 5,405 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0156% | 4,479 |
| Cost of funding earning assets | 1.4748% | 2,791 |
| Net interest margin | 3.5407% | 5,074 |
| Noninterest income to average assets | 0.2222% | 6,218 |
| Noninterest expense to average assets | 2.1790% | 6,672 |
| Loan and lease loss provision to assets | 1.0341% | 1,562 |
| Net operating income to assets | 0.3098% | 4,902 |
| Return on assets (ROA) | 0.3806% | 4,780 |
| Pretax return on assets | 0.4052% | 4,928 |
| Return on Equity (ROE) | 4.1284% | 4,467 |
| Retained earnings to average equity (ytd only) | 4.1284% | 2,964 |
| Net charge-offs to loans | 3.0243% | 543 |
| Credit loss provision to net charge-offs | 83.8006% | 5,397 |
| Earnings coverage of net charge-offs (x) | 1.1053% | 5,008 |
| Efficiency ratio | 61.5017% | 5,809 |
| Assets per employee ($millions) | 4.3482% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4280% | 618 |
| Loan loss allowance to noncurrent loans | 21.7276% | 6,739 |
| Noncurrent assets plus other real estate owned to assets | 7.6024% | 680 |
| Noncurrent loans to loans | 15.7773% | 136 |
| Net loans and leases to total assets | 37.2100% | 7,107 |
| Net loans and leases to deposits | 45.3377% | 7,067 |
| Net loans and leases to core deposits | 46.6492% | 7,120 |
| Total domestic deposits to total assets | 82.0730% | 5,163 |
| Equity capital to assets | 8.5070% | 5,847 |
| Core capital (leverage) ratio | 9.5382% | 3,663 |
| Tier 1 risk-based capital ratio | 17.6265% | 2,118 |
| Total risk-based capital ratio | 18.8935% | 2,078 |
| Memoranda: | ||
| Average total assets | $130,062,400 | 4,267 |
| Average earning assets | $121,980,200 | 4,188 |
| Average equity | $11,990,000 | 4,610 |
| Average total loans | $53,070,000 | 5,356 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2358% | 3,656 |
| Cost of funding earning assets | 1.5623% | 2,595 |
| Net interest margin | 3.6735% | 4,530 |
| Noninterest income to average assets | 0.2370% | 6,195 |
| Noninterest expense to average assets | 2.1523% | 6,733 |
| Loan and lease loss provision to assets | 0.2360% | 4,714 |
| Net operating income to assets | 0.9177% | 2,545 |
| Return on assets (ROA) | 0.9695% | 2,456 |
| Pretax return on assets | 1.3685% | 1,975 |
| Return on Equity (ROE) | 10.3164% | 2,002 |
| Retained earnings to average equity (ytd only) | 10.3164% | 723 |
| Net charge-offs to loans | 1.1232% | 1,814 |
| Credit loss provision to net charge-offs | 50.7726% | 5,870 |
| Earnings coverage of net charge-offs (x) | 3.2958% | 3,501 |
| Efficiency ratio | 58.4238% | 6,200 |
| Assets per employee ($millions) | 4.1018% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2783% | 653 |
| Loan loss allowance to noncurrent loans | 39.4177% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 5.3685% | 1,163 |
| Noncurrent loans to loans | 8.3169% | 604 |
| Net loans and leases to total assets | 43.6525% | 6,866 |
| Net loans and leases to deposits | 57.4530% | 6,513 |
| Net loans and leases to core deposits | 59.7579% | 6,629 |
| Total domestic deposits to total assets | 75.9796% | 6,660 |
| Equity capital to assets | 11.0043% | 2,960 |
| Core capital (leverage) ratio | 9.8860% | 3,374 |
| Tier 1 risk-based capital ratio | 18.5749% | 1,850 |
| Total risk-based capital ratio | 19.8436% | 1,814 |
| Memoranda: | ||
| Average total assets | $129,966,500 | 4,327 |
| Average earning assets | $121,951,500 | 4,242 |
| Average equity | $12,213,250 | 4,620 |
| Average total loans | $53,772,000 | 5,399 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2933% | 3,501 |
| Cost of funding earning assets | 1.5998% | 2,656 |
| Net interest margin | 3.6935% | 4,395 |
| Noninterest income to average assets | 0.3891% | 5,001 |
| Noninterest expense to average assets | 2.1042% | 6,896 |
| Loan and lease loss provision to assets | 0.3442% | 3,664 |
| Net operating income to assets | 0.9892% | 2,241 |
| Return on assets (ROA) | 0.9892% | 2,318 |
| Pretax return on assets | 1.4098% | 1,815 |
| Return on Equity (ROE) | 11.0897% | 1,721 |
| Retained earnings to average equity (ytd only) | 11.0897% | 638 |
| Net charge-offs to loans | 1.6580% | 1,139 |
| Credit loss provision to net charge-offs | 51.5695% | 5,384 |
| Earnings coverage of net charge-offs (x) | 2.6278% | 3,686 |
| Efficiency ratio | 54.5384% | 6,812 |
| Assets per employee ($millions) | 4.3797% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3125% | 637 |
| Loan loss allowance to noncurrent loans | 40.9122% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 5.0185% | 1,281 |
| Noncurrent loans to loans | 8.0965% | 637 |
| Net loans and leases to total assets | 40.6086% | 7,126 |
| Net loans and leases to deposits | 53.5932% | 6,888 |
| Net loans and leases to core deposits | 57.9426% | 6,830 |
| Total domestic deposits to total assets | 75.7720% | 6,733 |
| Equity capital to assets | 9.9929% | 4,034 |
| Core capital (leverage) ratio | 9.0612% | 4,506 |
| Tier 1 risk-based capital ratio | 17.6950% | 2,035 |
| Total risk-based capital ratio | 18.9625% | 2,001 |
| Memoranda: | ||
| Average total assets | $133,637,670 | 4,267 |
| Average earning assets | $125,518,000 | 4,194 |
| Average equity | $11,921,000 | 4,703 |
| Average total loans | $53,800,670 | 5,436 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3797% | 3,141 |
| Cost of funding earning assets | 1.6431% | 2,689 |
| Net interest margin | 3.7366% | 4,068 |
| Noninterest income to average assets | 0.3563% | 5,285 |
| Noninterest expense to average assets | 1.9803% | 7,194 |
| Loan and lease loss provision to assets | 0.6718% | 1,886 |
| Net operating income to assets | 0.9084% | 2,510 |
| Return on assets (ROA) | 0.9084% | 2,576 |
| Pretax return on assets | 1.2179% | 2,305 |
| Return on Equity (ROE) | 10.7841% | 1,841 |
| Retained earnings to average equity (ytd only) | 10.7841% | 966 |
| Net charge-offs to loans | 2.2210% | 767 |
| Credit loss provision to net charge-offs | 76.6667% | 3,958 |
| Earnings coverage of net charge-offs (x) | 2.1567% | 3,457 |
| Efficiency ratio | 51.1698% | 7,222 |
| Assets per employee ($millions) | 4.5390% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5362% | 529 |
| Loan loss allowance to noncurrent loans | 151.4648% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 2.0930% | 3,395 |
| Noncurrent loans to loans | 2.3347% | 3,347 |
| Net loans and leases to total assets | 39.6452% | 7,270 |
| Net loans and leases to deposits | 51.1312% | 7,073 |
| Net loans and leases to core deposits | 56.5593% | 6,960 |
| Total domestic deposits to total assets | 77.5363% | 6,442 |
| Equity capital to assets | 9.0124% | 5,257 |
| Core capital (leverage) ratio | 8.4108% | 5,541 |
| Tier 1 risk-based capital ratio | 16.8792% | 2,313 |
| Total risk-based capital ratio | 18.1502% | 2,255 |
| Memoranda: | ||
| Average total assets | $136,951,500 | 4,251 |
| Average earning assets | $128,781,000 | 4,177 |
| Average equity | $11,535,500 | 4,839 |
| Average total loans | $54,029,000 | 5,491 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5770% | 3,718 |
| Cost of funding earning assets | 2.0055% | 2,935 |
| Net interest margin | 3.5715% | 4,649 |
| Noninterest income to average assets | 0.4181% | 5,060 |
| Noninterest expense to average assets | 2.7373% | 5,206 |
| Loan and lease loss provision to assets | 0.0900% | 6,712 |
| Net operating income to assets | 0.6624% | 3,091 |
| Return on assets (ROA) | 0.9443% | 2,083 |
| Pretax return on assets | 1.3342% | 1,603 |
| Return on Equity (ROE) | 10.4322% | 1,570 |
| Retained earnings to average equity (ytd only) | -3.1487% | 5,729 |
| Net charge-offs to loans | 0.4277% | 4,083 |
| Credit loss provision to net charge-offs | 48.7288% | 6,761 |
| Earnings coverage of net charge-offs (x) | 5.5593% | 2,562 |
| Efficiency ratio | 72.7121% | 4,150 |
| Assets per employee ($millions) | 4.9060% | 2,333 |
| Cash dividends to net income (ytd only)* | 130.1824% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6749% | 455 |
| Loan loss allowance to noncurrent loans | 137.7083% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 1.8064% | 3,657 |
| Noncurrent loans to loans | 2.6686% | 2,875 |
| Net loans and leases to total assets | 36.5333% | 7,502 |
| Net loans and leases to deposits | 45.8881% | 7,448 |
| Net loans and leases to core deposits | 61.3305% | 7,216 |
| Total domestic deposits to total assets | 79.6138% | 5,810 |
| Equity capital to assets | 7.8778% | 6,694 |
| Core capital (leverage) ratio | 8.8691% | 4,642 |
| Tier 1 risk-based capital ratio | 16.8655% | 2,180 |
| Total risk-based capital ratio | 18.1374% | 2,153 |
| Memoranda: | ||
| Average total assets | $127,717,600 | 4,388 |
| Average earning assets | $119,670,800 | 4,321 |
| Average equity | $11,560,400 | 4,857 |
| Average total loans | $55,185,200 | 5,452 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8403% | 2,704 |
| Cost of funding earning assets | 2.1060% | 2,863 |
| Net interest margin | 3.7343% | 3,932 |
| Noninterest income to average assets | 0.4244% | 5,097 |
| Noninterest expense to average assets | 2.8540% | 4,649 |
| Loan and lease loss provision to assets | 0.1236% | 6,120 |
| Net operating income to assets | 0.7071% | 3,180 |
| Return on assets (ROA) | 0.8199% | 2,790 |
| Pretax return on assets | 1.0918% | 2,608 |
| Return on Equity (ROE) | 8.7334% | 2,362 |
| Retained earnings to average equity (ytd only) | -9.2370% | 6,723 |
| Net charge-offs to loans | 0.5743% | 2,955 |
| Credit loss provision to net charge-offs | 48.1172% | 6,340 |
| Earnings coverage of net charge-offs (x) | 4.1464% | 3,240 |
| Efficiency ratio | 72.8270% | 4,081 |
| Assets per employee ($millions) | 4.1461% | 3,472 |
| Cash dividends to net income (ytd only)* | 205.7662% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6629% | 368 |
| Loan loss allowance to noncurrent loans | 136.4576% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 2.0800% | 3,235 |
| Noncurrent loans to loans | 2.6843% | 2,826 |
| Net loans and leases to total assets | 43.3108% | 7,291 |
| Net loans and leases to deposits | 58.0687% | 6,960 |
| Net loans and leases to core deposits | 82.6341% | 6,145 |
| Total domestic deposits to total assets | 74.5854% | 6,851 |
| Equity capital to assets | 9.5660% | 4,656 |
| Core capital (leverage) ratio | 8.9557% | 4,714 |
| Tier 1 risk-based capital ratio | 16.7018% | 2,359 |
| Total risk-based capital ratio | 17.9744% | 2,303 |
| Memoranda: | ||
| Average total assets | $124,078,750 | 4,499 |
| Average earning assets | $116,109,250 | 4,425 |
| Average equity | $11,648,500 | 4,883 |
| Average total loans | $55,491,500 | 5,485 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6192% | 3,972 |
| Cost of funding earning assets | 2.1569% | 3,004 |
| Net interest margin | 3.4623% | 4,957 |
| Noninterest income to average assets | 0.4132% | 5,174 |
| Noninterest expense to average assets | 3.0903% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4499% | 4,289 |
| Return on assets (ROA) | 0.5520% | 3,993 |
| Pretax return on assets | 0.6876% | 4,045 |
| Return on Equity (ROE) | 5.9159% | 3,691 |
| Retained earnings to average equity (ytd only) | -3.8299% | 6,102 |
| Net charge-offs to loans | 0.7790% | 2,120 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.6101% | 4,334 |
| Efficiency ratio | 84.6591% | 2,400 |
| Assets per employee ($millions) | 4.2366% | 3,226 |
| Cash dividends to net income (ytd only)* | 164.7399% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4588% | 393 |
| Loan loss allowance to noncurrent loans | 46.0993% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 3.6244% | 1,706 |
| Noncurrent loans to loans | 7.5029% | 620 |
| Net loans and leases to total assets | 42.8240% | 7,401 |
| Net loans and leases to deposits | 56.4328% | 7,133 |
| Net loans and leases to core deposits | 75.9035% | 6,685 |
| Total domestic deposits to total assets | 75.8849% | 6,579 |
| Equity capital to assets | 9.2373% | 4,953 |
| Core capital (leverage) ratio | 8.9334% | 4,737 |
| Tier 1 risk-based capital ratio | 17.6772% | 2,096 |
| Total risk-based capital ratio | 18.9478% | 2,042 |
| Memoranda: | ||
| Average total assets | $125,359,000 | 4,496 |
| Average earning assets | $117,205,000 | 4,441 |
| Average equity | $11,697,330 | 4,890 |
| Average total loans | $55,970,000 | 5,506 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6604% | 3,992 |
| Cost of funding earning assets | 2.1610% | 3,366 |
| Net interest margin | 3.4994% | 4,741 |
| Noninterest income to average assets | 0.4012% | 5,202 |
| Noninterest expense to average assets | 2.0852% | 7,153 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1181% | 1,902 |
| Return on assets (ROA) | 1.0584% | 2,246 |
| Pretax return on assets | 1.5102% | 1,637 |
| Return on Equity (ROE) | 11.2875% | 1,891 |
| Retained earnings to average equity (ytd only) | -7.9181% | 6,909 |
| Net charge-offs to loans | 0.0282% | 5,134 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 126.2500% | 344 |
| Efficiency ratio | 56.6524% | 6,875 |
| Assets per employee ($millions) | 4.4312% | 2,828 |
| Cash dividends to net income (ytd only)* | 170.1493% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7281% | 269 |
| Loan loss allowance to noncurrent loans | 54.3057% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 3.2956% | 1,664 |
| Noncurrent loans to loans | 6.8650% | 601 |
| Net loans and leases to total assets | 43.7073% | 7,366 |
| Net loans and leases to deposits | 57.2852% | 7,085 |
| Net loans and leases to core deposits | 76.8268% | 6,621 |
| Total domestic deposits to total assets | 76.2978% | 6,452 |
| Equity capital to assets | 9.3211% | 4,908 |
| Core capital (leverage) ratio | 8.9871% | 4,730 |
| Tier 1 risk-based capital ratio | 17.1489% | 2,294 |
| Total risk-based capital ratio | 18.4226% | 2,228 |
| Memoranda: | ||
| Average total assets | $126,608,000 | 4,478 |
| Average earning assets | $118,648,500 | 4,421 |
| Average equity | $11,871,500 | 4,872 |
| Average total loans | $56,705,500 | 5,517 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3834% | 3,508 |
| Cost of funding earning assets | 2.5983% | 3,691 |
| Net interest margin | 3.7851% | 4,081 |
| Noninterest income to average assets | 0.5759% | 4,039 |
| Noninterest expense to average assets | 2.4773% | 6,095 |
| Loan and lease loss provision to assets | 0.2618% | 4,311 |
| Net operating income to assets | 0.9658% | 2,716 |
| Return on assets (ROA) | 1.0183% | 2,369 |
| Pretax return on assets | 1.4572% | 1,800 |
| Return on Equity (ROE) | 10.3580% | 2,136 |
| Retained earnings to average equity (ytd only) | 10.3580% | 402 |
| Net charge-offs to loans | 0.0826% | 5,586 |
| Credit loss provision to net charge-offs | 697.6744% | 607 |
| Earnings coverage of net charge-offs (x) | 43.8140% | 836 |
| Efficiency ratio | 60.1101% | 6,320 |
| Assets per employee ($millions) | 4.1659% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6859% | 242 |
| Loan loss allowance to noncurrent loans | 174.1722% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 4,063 |
| Noncurrent loans to loans | 2.1163% | 2,607 |
| Net loans and leases to total assets | 42.5714% | 7,554 |
| Net loans and leases to deposits | 55.3789% | 7,362 |
| Net loans and leases to core deposits | 71.0264% | 7,134 |
| Total domestic deposits to total assets | 76.8729% | 6,025 |
| Equity capital to assets | 9.4299% | 4,785 |
| Core capital (leverage) ratio | 9.5459% | 3,955 |
| Tier 1 risk-based capital ratio | 17.3091% | 2,229 |
| Total risk-based capital ratio | 18.5834% | 2,176 |
| Memoranda: | ||
| Average total assets | $114,599,800 | 4,657 |
| Average earning assets | $107,341,200 | 4,585 |
| Average equity | $11,266,600 | 5,047 |
| Average total loans | $52,060,800 | 5,618 |