Home > First Century Bank > Performance and Condition Ratios
First Century Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1947% | 497 |
| Cost of funding earning assets | 0.9226% | 3,471 |
| Net interest margin | 5.2720% | 246 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 3.1392% | 898 |
| Loan and lease loss provision to assets | 0.4800% | 194 |
| Net operating income to assets | 1.9697% | 491 |
| Return on assets (ROA) | 1.8617% | 538 |
| Pretax return on assets | 2.3923% | 381 |
| Return on Equity (ROE) | 14.5500% | 1,374 |
| Retained earnings to average equity (ytd only) | 9.0422% | 1,244 |
| Net charge-offs to loans | 10.1134% | 7 |
| Credit loss provision to net charge-offs | 100.1900% | 1,833 |
| Earnings coverage of net charge-offs (x) | 6.3256% | 2,475 |
| Efficiency ratio | 50.4719% | 3,948 |
| Assets per employee ($millions) | 8.3242% | 1,265 |
| Cash dividends to net income (ytd only)* | 37.8678% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6360% | 4,202 |
| Loan loss allowance to noncurrent loans | 49.3243% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6875% | 758 |
| Noncurrent loans to loans | 1.2894% | 547 |
| Net loans and leases to total assets | 5.6300% | 4,460 |
| Net loans and leases to deposits | 6.4668% | 4,463 |
| Net loans and leases to core deposits | 10.4671% | 4,477 |
| Total domestic deposits to total assets | 87.0700% | 1,657 |
| Equity capital to assets | 12.3398% | 1,025 |
| Core capital (leverage) ratio | 18.1699% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $553,190,400 | 1,606 |
| Average earning assets | $527,613,400 | 1,556 |
| Average equity | $70,768,000 | 1,239 |
| Average total loans | $26,024,800 | 4,204 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0463% | 105 |
| Cost of funding earning assets | 1.1951% | 2,011 |
| Net interest margin | 6.8512% | 57 |
| Noninterest income to average assets | 1.1200% | 481 |
| Noninterest expense to average assets | 2.8493% | 1,328 |
| Loan and lease loss provision to assets | 0.9100% | 77 |
| Net operating income to assets | 2.9852% | 155 |
| Return on assets (ROA) | 2.7788% | 178 |
| Pretax return on assets | 3.6152% | 133 |
| Return on Equity (ROE) | 23.2200% | 475 |
| Retained earnings to average equity (ytd only) | 18.8858% | 290 |
| Net charge-offs to loans | 22.2432% | 4 |
| Credit loss provision to net charge-offs | 99.7722% | 1,464 |
| Earnings coverage of net charge-offs (x) | 5.2593% | 2,177 |
| Efficiency ratio | 36.8602% | 4,455 |
| Assets per employee ($millions) | 7.1840% | 1,798 |
| Cash dividends to net income (ytd only)* | 18.6567% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 3,793 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7954% | 639 |
| Noncurrent loans to loans | 0.8972% | 850 |
| Net loans and leases to total assets | 4.6600% | 4,520 |
| Net loans and leases to deposits | 5.5222% | 4,521 |
| Net loans and leases to core deposits | 7.2664% | 4,504 |
| Total domestic deposits to total assets | 84.3400% | 2,743 |
| Equity capital to assets | 14.2900% | 604 |
| Core capital (leverage) ratio | 15.7108% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $578,669,333 | 1,531 |
| Average earning assets | $550,587,333 | 1,495 |
| Average equity | $69,258,333 | 1,251 |
| Average total loans | $23,683,667 | 4,272 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1842% | 19 |
| Cost of funding earning assets | 1.5066% | 834 |
| Net interest margin | 9.6776% | 21 |
| Noninterest income to average assets | 1.0000% | 575 |
| Noninterest expense to average assets | 2.7354% | 1,583 |
| Loan and lease loss provision to assets | 1.7100% | 45 |
| Net operating income to assets | 4.3778% | 84 |
| Return on assets (ROA) | 3.9925% | 98 |
| Pretax return on assets | 5.2638% | 89 |
| Return on Equity (ROE) | 36.1600% | 147 |
| Retained earnings to average equity (ytd only) | 36.1618% | 77 |
| Net charge-offs to loans | 44.1578% | 3 |
| Credit loss provision to net charge-offs | 100.0379% | 1,111 |
| Earnings coverage of net charge-offs (x) | 4.3862% | 1,856 |
| Efficiency ratio | 26.5203% | 4,625 |
| Assets per employee ($millions) | 7.5113% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 3,551 |
| Loan loss allowance to noncurrent loans | 234.7826% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 668 |
| Noncurrent loans to loans | 0.4220% | 1,675 |
| Net loans and leases to total assets | 4.1100% | 4,595 |
| Net loans and leases to deposits | 4.8250% | 4,596 |
| Net loans and leases to core deposits | 6.2246% | 4,576 |
| Total domestic deposits to total assets | 85.0800% | 2,841 |
| Equity capital to assets | 13.7295% | 632 |
| Core capital (leverage) ratio | 11.0872% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $620,156,500 | 1,456 |
| Average earning assets | $589,401,500 | 1,421 |
| Average equity | $68,470,000 | 1,268 |
| Average total loans | $23,878,000 | 4,328 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 1,102 |
| Cost of funding earning assets | 0.3787% | 2,270 |
| Net interest margin | 3.8962% | 959 |
| Noninterest income to average assets | 1.6800% | 303 |
| Noninterest expense to average assets | 2.7672% | 1,391 |
| Loan and lease loss provision to assets | 0.7600% | 64 |
| Net operating income to assets | 1.4292% | 1,049 |
| Return on assets (ROA) | 1.4292% | 1,017 |
| Pretax return on assets | 1.8680% | 629 |
| Return on Equity (ROE) | 10.4500% | 2,662 |
| Retained earnings to average equity (ytd only) | 6.0567% | 2,621 |
| Net charge-offs to loans | 13.9186% | 3 |
| Credit loss provision to net charge-offs | 100.1323% | 1,553 |
| Earnings coverage of net charge-offs (x) | 3.4690% | 2,463 |
| Efficiency ratio | 50.5257% | 4,099 |
| Assets per employee ($millions) | 10.5076% | 579 |
| Cash dividends to net income (ytd only)* | 42.0580% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 3,897 |
| Loan loss allowance to noncurrent loans | 131.9527% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 918 |
| Noncurrent loans to loans | 0.6511% | 1,143 |
| Net loans and leases to total assets | 3.6000% | 4,627 |
| Net loans and leases to deposits | 3.9891% | 4,628 |
| Net loans and leases to core deposits | 8.0549% | 4,604 |
| Total domestic deposits to total assets | 90.2800% | 1,242 |
| Equity capital to assets | 9.0622% | 2,321 |
| Core capital (leverage) ratio | 13.8223% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $499,090,000 | 1,719 |
| Average earning assets | $475,054,000 | 1,689 |
| Average equity | $68,238,800 | 1,279 |
| Average total loans | $27,143,600 | 4,283 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8020% | 282 |
| Cost of funding earning assets | 0.1555% | 3,787 |
| Net interest margin | 4.6465% | 180 |
| Noninterest income to average assets | 2.0100% | 266 |
| Noninterest expense to average assets | 2.9772% | 938 |
| Loan and lease loss provision to assets | 1.1300% | 34 |
| Net operating income to assets | 1.8013% | 430 |
| Return on assets (ROA) | 1.8013% | 418 |
| Pretax return on assets | 2.2987% | 276 |
| Return on Equity (ROE) | 11.6000% | 2,171 |
| Retained earnings to average equity (ytd only) | 11.6043% | 890 |
| Net charge-offs to loans | 18.3664% | 3 |
| Credit loss provision to net charge-offs | 100.0794% | 1,320 |
| Earnings coverage of net charge-offs (x) | 3.0315% | 2,221 |
| Efficiency ratio | 45.7128% | 4,396 |
| Assets per employee ($millions) | 8.1654% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 4,001 |
| Loan loss allowance to noncurrent loans | 129.2398% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 677 |
| Noncurrent loans to loans | 0.6537% | 1,247 |
| Net loans and leases to total assets | 4.9600% | 4,664 |
| Net loans and leases to deposits | 5.7214% | 4,668 |
| Net loans and leases to core deposits | 7.3473% | 4,648 |
| Total domestic deposits to total assets | 86.7600% | 2,835 |
| Equity capital to assets | 12.7736% | 719 |
| Core capital (leverage) ratio | 15.9981% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $445,232,750 | 1,878 |
| Average earning assets | $421,843,250 | 1,851 |
| Average equity | $69,110,750 | 1,276 |
| Average total loans | $27,440,750 | 4,310 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0466% | 68 |
| Cost of funding earning assets | 0.0739% | 4,431 |
| Net interest margin | 5.9728% | 49 |
| Noninterest income to average assets | 2.0227% | 232 |
| Noninterest expense to average assets | 3.2033% | 623 |
| Loan and lease loss provision to assets | 1.8038% | 16 |
| Net operating income to assets | 1.9921% | 231 |
| Return on assets (ROA) | 1.9921% | 233 |
| Pretax return on assets | 2.6459% | 142 |
| Return on Equity (ROE) | 11.9548% | 1,679 |
| Retained earnings to average equity (ytd only) | 11.9548% | 610 |
| Net charge-offs to loans | 27.1354% | 3 |
| Credit loss provision to net charge-offs | 100.0529% | 1,270 |
| Earnings coverage of net charge-offs (x) | 2.4681% | 2,029 |
| Efficiency ratio | 41.2025% | 4,589 |
| Assets per employee ($millions) | 6.2606% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 3,942 |
| Loan loss allowance to noncurrent loans | 306.9444% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.9966% | 467 |
| Noncurrent loans to loans | 0.2945% | 2,288 |
| Net loans and leases to total assets | 6.3433% | 4,722 |
| Net loans and leases to deposits | 7.7543% | 4,725 |
| Net loans and leases to core deposits | 7.7625% | 4,715 |
| Total domestic deposits to total assets | 81.8043% | 4,032 |
| Equity capital to assets | 17.6778% | 242 |
| Core capital (leverage) ratio | 19.0221% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $419,448,333 | 1,980 |
| Average earning assets | $395,394,667 | 1,959 |
| Average equity | $69,896,667 | 1,292 |
| Average total loans | $27,867,667 | 4,359 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8844% | 18 |
| Cost of funding earning assets | 0.0816% | 4,340 |
| Net interest margin | 9.8028% | 16 |
| Noninterest income to average assets | 1.9506% | 249 |
| Noninterest expense to average assets | 3.1692% | 628 |
| Loan and lease loss provision to assets | 3.4366% | 6 |
| Net operating income to assets | 3.4001% | 61 |
| Return on assets (ROA) | 3.4001% | 60 |
| Pretax return on assets | 4.5584% | 51 |
| Return on Equity (ROE) | 20.9595% | 201 |
| Retained earnings to average equity (ytd only) | 20.9595% | 85 |
| Net charge-offs to loans | 25.9783% | 3 |
| Credit loss provision to net charge-offs | 195.9917% | 782 |
| Earnings coverage of net charge-offs (x) | 4.5596% | 1,621 |
| Efficiency ratio | 27.9536% | 4,752 |
| Assets per employee ($millions) | 6.0082% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1162% | 28 |
| Loan loss allowance to noncurrent loans | 1,164.9718% | 816 |
| Noncurrent assets plus other real estate owned to assets | 1.0015% | 504 |
| Noncurrent loans to loans | 0.5250% | 1,716 |
| Net loans and leases to total assets | 8.1048% | 4,746 |
| Net loans and leases to deposits | 10.1132% | 4,745 |
| Net loans and leases to core deposits | 10.1241% | 4,737 |
| Total domestic deposits to total assets | 80.1412% | 4,279 |
| Equity capital to assets | 18.2417% | 220 |
| Core capital (leverage) ratio | 11.6664% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $438,223,500 | 1,918 |
| Average earning assets | $411,882,500 | 1,914 |
| Average equity | $71,089,500 | 1,317 |
| Average total loans | $29,578,500 | 4,336 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2192% | 3,433 |
| Cost of funding earning assets | 0.0646% | 4,618 |
| Net interest margin | 3.1547% | 2,725 |
| Noninterest income to average assets | 1.8954% | 344 |
| Noninterest expense to average assets | 2.9116% | 1,124 |
| Loan and lease loss provision to assets | 0.8973% | 43 |
| Net operating income to assets | 0.8531% | 3,177 |
| Return on assets (ROA) | 0.8541% | 3,243 |
| Pretax return on assets | 1.0470% | 3,133 |
| Return on Equity (ROE) | 5.0514% | 3,990 |
| Retained earnings to average equity (ytd only) | 3.2886% | 3,501 |
| Net charge-offs to loans | 8.3671% | 3 |
| Credit loss provision to net charge-offs | 100.0798% | 1,787 |
| Earnings coverage of net charge-offs (x) | 2.1673% | 2,592 |
| Efficiency ratio | 58.8752% | 3,306 |
| Assets per employee ($millions) | 7.1458% | 1,836 |
| Cash dividends to net income (ytd only)* | 34.8967% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8568% | 4,163 |
| Loan loss allowance to noncurrent loans | 130.5389% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 747 |
| Noncurrent loans to loans | 0.6564% | 1,523 |
| Net loans and leases to total assets | 5.1912% | 4,798 |
| Net loans and leases to deposits | 6.1011% | 4,797 |
| Net loans and leases to core deposits | 9.2536% | 4,783 |
| Total domestic deposits to total assets | 85.0871% | 3,244 |
| Equity capital to assets | 14.5991% | 557 |
| Core capital (leverage) ratio | 17.5919% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $419,384,600 | 1,929 |
| Average earning assets | $393,418,400 | 1,927 |
| Average equity | $70,911,000 | 1,340 |
| Average total loans | $44,938,000 | 4,090 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0494% | 1,428 |
| Cost of funding earning assets | 0.0671% | 4,702 |
| Net interest margin | 3.9824% | 820 |
| Noninterest income to average assets | 1.9396% | 368 |
| Noninterest expense to average assets | 2.9334% | 1,069 |
| Loan and lease loss provision to assets | 1.2457% | 21 |
| Net operating income to assets | 1.1689% | 2,279 |
| Return on assets (ROA) | 1.1703% | 2,336 |
| Pretax return on assets | 1.4761% | 2,058 |
| Return on Equity (ROE) | 6.6473% | 3,762 |
| Retained earnings to average equity (ytd only) | 4.2968% | 3,478 |
| Net charge-offs to loans | 10.0723% | 3 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 2.1836% | 2,359 |
| Efficiency ratio | 50.9017% | 4,132 |
| Assets per employee ($millions) | 5.9942% | 2,703 |
| Cash dividends to net income (ytd only)* | 35.3607% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6627% | 4,561 |
| Loan loss allowance to noncurrent loans | 39.7059% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.0495% | 616 |
| Noncurrent loans to loans | 1.6691% | 608 |
| Net loans and leases to total assets | 7.9430% | 4,861 |
| Net loans and leases to deposits | 9.6663% | 4,861 |
| Net loans and leases to core deposits | 9.6758% | 4,854 |
| Total domestic deposits to total assets | 82.1724% | 3,899 |
| Equity capital to assets | 17.5143% | 299 |
| Core capital (leverage) ratio | 20.7155% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $402,752,250 | 1,996 |
| Average earning assets | $375,613,750 | 2,004 |
| Average equity | $70,904,000 | 1,356 |
| Average total loans | $49,811,750 | 4,060 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5407% | 164 |
| Cost of funding earning assets | 0.0724% | 4,730 |
| Net interest margin | 5.4684% | 103 |
| Noninterest income to average assets | 1.9659% | 336 |
| Noninterest expense to average assets | 2.9666% | 1,038 |
| Loan and lease loss provision to assets | 1.8762% | 9 |
| Net operating income to assets | 1.7106% | 854 |
| Return on assets (ROA) | 1.7106% | 907 |
| Pretax return on assets | 2.1703% | 607 |
| Return on Equity (ROE) | 9.7000% | 2,874 |
| Retained earnings to average equity (ytd only) | 9.7000% | 1,498 |
| Net charge-offs to loans | 13.5477% | 3 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 2.1568% | 2,141 |
| Efficiency ratio | 41.5043% | 4,710 |
| Assets per employee ($millions) | 4.9115% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5312% | 4,719 |
| Loan loss allowance to noncurrent loans | 42.5743% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.3077% | 492 |
| Noncurrent loans to loans | 1.2477% | 957 |
| Net loans and leases to total assets | 12.4198% | 4,883 |
| Net loans and leases to deposits | 16.0236% | 4,879 |
| Net loans and leases to core deposits | 16.0447% | 4,875 |
| Total domestic deposits to total assets | 77.5093% | 4,476 |
| Equity capital to assets | 21.9608% | 127 |
| Core capital (leverage) ratio | 18.9180% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $401,135,000 | 2,001 |
| Average earning assets | $370,239,000 | 2,017 |
| Average equity | $70,742,333 | 1,348 |
| Average total loans | $55,551,667 | 3,976 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8753% | 20 |
| Cost of funding earning assets | 0.0756% | 4,772 |
| Net interest margin | 8.7997% | 18 |
| Noninterest income to average assets | 1.7824% | 450 |
| Noninterest expense to average assets | 2.7997% | 1,370 |
| Loan and lease loss provision to assets | 3.4238% | 4 |
| Net operating income to assets | 2.6941% | 201 |
| Return on assets (ROA) | 2.6941% | 225 |
| Pretax return on assets | 3.6086% | 131 |
| Return on Equity (ROE) | 16.7954% | 881 |
| Retained earnings to average equity (ytd only) | 16.7954% | 442 |
| Net charge-offs to loans | 13.1368% | 2 |
| Credit loss provision to net charge-offs | 181.6120% | 920 |
| Earnings coverage of net charge-offs (x) | 3.7302% | 1,750 |
| Efficiency ratio | 27.9567% | 4,927 |
| Assets per employee ($millions) | 6.5050% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5620% | 234 |
| Loan loss allowance to noncurrent loans | 372.2656% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 1.0519% | 776 |
| Noncurrent loans to loans | 0.6882% | 1,862 |
| Net loans and leases to total assets | 17.6885% | 4,879 |
| Net loans and leases to deposits | 22.0671% | 4,868 |
| Net loans and leases to core deposits | 22.0899% | 4,872 |
| Total domestic deposits to total assets | 80.1576% | 4,181 |
| Equity capital to assets | 17.5469% | 277 |
| Core capital (leverage) ratio | 11.8144% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $439,622,500 | 1,870 |
| Average earning assets | $402,148,000 | 1,897 |
| Average equity | $70,519,500 | 1,344 |
| Average total loans | $63,090,000 | 3,865 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4003% | 1,592 |
| Cost of funding earning assets | 0.0898% | 4,883 |
| Net interest margin | 4.3105% | 501 |
| Noninterest income to average assets | 2.1570% | 304 |
| Noninterest expense to average assets | 3.2784% | 931 |
| Loan and lease loss provision to assets | 1.1355% | 65 |
| Net operating income to assets | 1.3421% | 1,143 |
| Return on assets (ROA) | 2.5781% | 132 |
| Pretax return on assets | 3.3440% | 94 |
| Return on Equity (ROE) | 20.2325% | 221 |
| Retained earnings to average equity (ytd only) | 20.2325% | 65 |
| Net charge-offs to loans | 8.3739% | 5 |
| Credit loss provision to net charge-offs | 100.7529% | 2,807 |
| Earnings coverage of net charge-offs (x) | 2.5864% | 3,154 |
| Efficiency ratio | 51.9786% | 4,383 |
| Assets per employee ($millions) | 7.4513% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4152% | 4,848 |
| Loan loss allowance to noncurrent loans | 152.4823% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.8470% | 1,183 |
| Noncurrent loans to loans | 0.2723% | 3,216 |
| Net loans and leases to total assets | 10.9855% | 4,938 |
| Net loans and leases to deposits | 12.9436% | 4,943 |
| Net loans and leases to core deposits | 17.3007% | 4,922 |
| Total domestic deposits to total assets | 84.8719% | 2,817 |
| Equity capital to assets | 14.7262% | 622 |
| Core capital (leverage) ratio | 18.0467% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $400,688,800 | 1,866 |
| Average earning assets | $375,203,000 | 1,854 |
| Average equity | $51,056,400 | 1,664 |
| Average total loans | $53,929,200 | 4,021 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6679% | 160 |
| Cost of funding earning assets | 0.1123% | 4,900 |
| Net interest margin | 5.5556% | 71 |
| Noninterest income to average assets | 1.9671% | 325 |
| Noninterest expense to average assets | 3.3230% | 877 |
| Loan and lease loss provision to assets | 1.5820% | 53 |
| Net operating income to assets | 1.6106% | 706 |
| Return on assets (ROA) | 3.0660% | 93 |
| Pretax return on assets | 4.0624% | 65 |
| Return on Equity (ROE) | 25.2660% | 111 |
| Retained earnings to average equity (ytd only) | 25.2660% | 49 |
| Net charge-offs to loans | 11.1285% | 1 |
| Credit loss provision to net charge-offs | 100.0880% | 2,619 |
| Earnings coverage of net charge-offs (x) | 2.4056% | 2,993 |
| Efficiency ratio | 45.7695% | 4,725 |
| Assets per employee ($millions) | 5.5762% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2785% | 4,938 |
| Loan loss allowance to noncurrent loans | 130.2817% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 1.3146% | 708 |
| Noncurrent loans to loans | 0.2137% | 3,525 |
| Net loans and leases to total assets | 20.1375% | 4,925 |
| Net loans and leases to deposits | 24.0969% | 4,927 |
| Net loans and leases to core deposits | 24.1258% | 4,930 |
| Total domestic deposits to total assets | 83.5690% | 2,963 |
| Equity capital to assets | 15.3219% | 566 |
| Core capital (leverage) ratio | 14.0840% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $383,503,500 | 1,894 |
| Average earning assets | $356,055,250 | 1,896 |
| Average equity | $46,538,250 | 1,792 |
| Average total loans | $54,465,500 | 4,035 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3577% | 47 |
| Cost of funding earning assets | 0.1565% | 4,865 |
| Net interest margin | 7.2012% | 29 |
| Noninterest income to average assets | 2.0917% | 275 |
| Noninterest expense to average assets | 3.2957% | 1,005 |
| Loan and lease loss provision to assets | 2.2655% | 47 |
| Net operating income to assets | 2.4486% | 152 |
| Return on assets (ROA) | 2.4483% | 166 |
| Pretax return on assets | 3.1966% | 97 |
| Return on Equity (ROE) | 21.7334% | 174 |
| Retained earnings to average equity (ytd only) | 21.7334% | 73 |
| Net charge-offs to loans | 17.9692% | 1 |
| Credit loss provision to net charge-offs | 100.3308% | 2,393 |
| Earnings coverage of net charge-offs (x) | 2.4192% | 2,775 |
| Efficiency ratio | 36.9585% | 4,972 |
| Assets per employee ($millions) | 5.2947% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2988% | 4,960 |
| Loan loss allowance to noncurrent loans | 28.2014% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.5237% | 610 |
| Noncurrent loans to loans | 1.0595% | 1,468 |
| Net loans and leases to total assets | 19.9219% | 4,958 |
| Net loans and leases to deposits | 23.8214% | 4,963 |
| Net loans and leases to core deposits | 23.8214% | 4,964 |
| Total domestic deposits to total assets | 83.6303% | 2,873 |
| Equity capital to assets | 15.0171% | 617 |
| Core capital (leverage) ratio | 12.0207% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $401,673,667 | 1,811 |
| Average earning assets | $371,853,667 | 1,814 |
| Average equity | $45,248,333 | 1,818 |
| Average total loans | $50,475,333 | 4,131 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.8070% | 16 |
| Cost of funding earning assets | 0.2219% | 4,838 |
| Net interest margin | 11.5850% | 13 |
| Noninterest income to average assets | 2.2410% | 232 |
| Noninterest expense to average assets | 3.3113% | 1,203 |
| Loan and lease loss provision to assets | 4.1526% | 22 |
| Net operating income to assets | 4.1688% | 36 |
| Return on assets (ROA) | 4.1681% | 37 |
| Pretax return on assets | 5.4939% | 31 |
| Return on Equity (ROE) | 42.2728% | 21 |
| Retained earnings to average equity (ytd only) | 42.2728% | 8 |
| Net charge-offs to loans | 18.5665% | 2 |
| Credit loss provision to net charge-offs | 228.4639% | 1,342 |
| Earnings coverage of net charge-offs (x) | 5.3077% | 2,071 |
| Efficiency ratio | 25.1373% | 5,078 |
| Assets per employee ($millions) | 6.4960% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1424% | 40 |
| Loan loss allowance to noncurrent loans | 1,574.7126% | 374 |
| Noncurrent assets plus other real estate owned to assets | 1.0949% | 1,189 |
| Noncurrent loans to loans | 0.3266% | 3,324 |
| Net loans and leases to total assets | 12.3503% | 5,049 |
| Net loans and leases to deposits | 14.1100% | 5,051 |
| Net loans and leases to core deposits | 14.1100% | 5,049 |
| Total domestic deposits to total assets | 87.5285% | 1,314 |
| Equity capital to assets | 11.1779% | 2,703 |
| Core capital (leverage) ratio | 7.8069% | 5,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0736% | 303 |
| Memoranda: | ||
| Average total assets | $438,374,500 | 1,653 |
| Average earning assets | $405,557,500 | 1,651 |
| Average equity | $43,224,000 | 1,872 |
| Average total loans | $42,916,000 | 4,305 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9665% | 5,065 |
| Cost of funding earning assets | 0.2603% | 4,825 |
| Net interest margin | 2.7062% | 4,836 |
| Noninterest income to average assets | 2.4556% | 208 |
| Noninterest expense to average assets | 2.7921% | 2,626 |
| Loan and lease loss provision to assets | -0.0799% | 5,050 |
| Net operating income to assets | 1.6703% | 708 |
| Return on assets (ROA) | 1.6703% | 755 |
| Pretax return on assets | 2.2939% | 314 |
| Return on Equity (ROE) | 16.4039% | 493 |
| Retained earnings to average equity (ytd only) | 16.4039% | 64 |
| Net charge-offs to loans | 1.6299% | 83 |
| Credit loss provision to net charge-offs | -54.6624% | 4,171 |
| Earnings coverage of net charge-offs (x) | 15.1479% | 2,245 |
| Efficiency ratio | 55.7736% | 4,235 |
| Assets per employee ($millions) | 7.0834% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5561% | 4,810 |
| Loan loss allowance to noncurrent loans | 124.8276% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.1876% | 998 |
| Noncurrent loans to loans | 0.4455% | 2,844 |
| Net loans and leases to total assets | 6.9236% | 5,130 |
| Net loans and leases to deposits | 7.6254% | 5,140 |
| Net loans and leases to core deposits | 10.8444% | 5,124 |
| Total domestic deposits to total assets | 90.7958% | 146 |
| Equity capital to assets | 8.7064% | 4,823 |
| Core capital (leverage) ratio | 14.3445% | 838 |
| Tier 1 risk-based capital ratio | 68.9175% | 71 |
| Total risk-based capital ratio | 69.2398% | 70 |
| Memoranda: | ||
| Average total assets | $212,777,600 | 2,730 |
| Average earning assets | $200,537,800 | 2,709 |
| Average equity | $21,665,600 | 2,988 |
| Average total loans | $19,081,200 | 4,883 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 3,536 |
| Cost of funding earning assets | 0.2326% | 4,967 |
| Net interest margin | 4.1107% | 1,589 |
| Noninterest income to average assets | 3.2453% | 141 |
| Noninterest expense to average assets | 3.5976% | 852 |
| Loan and lease loss provision to assets | -0.1520% | 5,195 |
| Net operating income to assets | 2.7176% | 115 |
| Return on assets (ROA) | 2.7176% | 120 |
| Pretax return on assets | 3.6566% | 76 |
| Return on Equity (ROE) | 23.9669% | 111 |
| Retained earnings to average equity (ytd only) | 23.3281% | 32 |
| Net charge-offs to loans | 2.6727% | 40 |
| Credit loss provision to net charge-offs | -53.9683% | 4,031 |
| Earnings coverage of net charge-offs (x) | 12.4412% | 2,360 |
| Efficiency ratio | 50.6547% | 4,703 |
| Assets per employee ($millions) | 22.4463% | 49 |
| Cash dividends to net income (ytd only)* | 2.6654% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 2,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 4,037 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 9.6020% | 5,201 |
| Net loans and leases to deposits | 10.9756% | 5,206 |
| Net loans and leases to core deposits | 10.9756% | 5,200 |
| Total domestic deposits to total assets | 87.4844% | 1,264 |
| Equity capital to assets | 11.7729% | 2,433 |
| Core capital (leverage) ratio | 11.5728% | 2,165 |
| Tier 1 risk-based capital ratio | 76.1751% | 60 |
| Total risk-based capital ratio | 76.9173% | 59 |
| Memoranda: | ||
| Average total assets | $149,096,000 | 3,343 |
| Average earning assets | $139,892,000 | 3,313 |
| Average equity | $16,906,250 | 3,468 |
| Average total loans | $15,714,250 | 5,028 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1616% | 1,074 |
| Cost of funding earning assets | 0.2906% | 4,850 |
| Net interest margin | 4.8710% | 360 |
| Noninterest income to average assets | 2.2511% | 223 |
| Noninterest expense to average assets | 3.5214% | 932 |
| Loan and lease loss provision to assets | -0.1981% | 5,249 |
| Net operating income to assets | 2.6062% | 137 |
| Return on assets (ROA) | 2.6062% | 141 |
| Pretax return on assets | 3.4845% | 85 |
| Return on Equity (ROE) | 23.3029% | 133 |
| Retained earnings to average equity (ytd only) | 23.3029% | 36 |
| Net charge-offs to loans | 3.9460% | 28 |
| Credit loss provision to net charge-offs | -46.3259% | 3,825 |
| Earnings coverage of net charge-offs (x) | 7.6869% | 2,470 |
| Efficiency ratio | 51.7255% | 4,672 |
| Assets per employee ($millions) | 18.0541% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 1,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 4,004 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 9.3504% | 5,252 |
| Net loans and leases to deposits | 10.7286% | 5,256 |
| Net loans and leases to core deposits | 10.7286% | 5,249 |
| Total domestic deposits to total assets | 87.1539% | 1,515 |
| Equity capital to assets | 12.0672% | 2,137 |
| Core capital (leverage) ratio | 11.1459% | 2,460 |
| Tier 1 risk-based capital ratio | 73.5606% | 59 |
| Total risk-based capital ratio | 74.4511% | 59 |
| Memoranda: | ||
| Average total assets | $146,420,000 | 3,397 |
| Average earning assets | $136,974,000 | 3,380 |
| Average equity | $16,375,670 | 3,522 |
| Average total loans | $15,864,330 | 5,070 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1051% | 68 |
| Cost of funding earning assets | 0.4452% | 4,312 |
| Net interest margin | 6.6600% | 47 |
| Noninterest income to average assets | 2.1301% | 227 |
| Noninterest expense to average assets | 3.2806% | 1,326 |
| Loan and lease loss provision to assets | 0.9199% | 97 |
| Net operating income to assets | 3.0852% | 82 |
| Return on assets (ROA) | 3.0852% | 87 |
| Pretax return on assets | 4.1407% | 71 |
| Return on Equity (ROE) | 28.6958% | 55 |
| Retained earnings to average equity (ytd only) | 28.6958% | 29 |
| Net charge-offs to loans | -2.1485% | 5,323 |
| Credit loss provision to net charge-offs | -372.5275% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3299% | 5,220 |
| Assets per employee ($millions) | 17.1621% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4577% | 17 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 4,094 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 10.2409% | 5,311 |
| Net loans and leases to deposits | 11.5526% | 5,313 |
| Net loans and leases to core deposits | 11.5526% | 5,308 |
| Total domestic deposits to total assets | 88.6462% | 1,017 |
| Equity capital to assets | 10.6999% | 3,161 |
| Core capital (leverage) ratio | 9.4928% | 4,139 |
| Tier 1 risk-based capital ratio | 61.1177% | 87 |
| Total risk-based capital ratio | 62.4051% | 86 |
| Memoranda: | ||
| Average total assets | $147,413,500 | 3,420 |
| Average earning assets | $137,478,000 | 3,405 |
| Average equity | $15,849,000 | 3,601 |
| Average total loans | $16,942,000 | 5,106 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 2,321 |
| Cost of funding earning assets | 0.0338% | 5,376 |
| Net interest margin | 4.5099% | 744 |
| Noninterest income to average assets | 2.3653% | 215 |
| Noninterest expense to average assets | 3.5803% | 896 |
| Loan and lease loss provision to assets | 1.3828% | 51 |
| Net operating income to assets | 1.1713% | 2,305 |
| Return on assets (ROA) | 1.1713% | 2,297 |
| Pretax return on assets | 1.5841% | 1,517 |
| Return on Equity (ROE) | 11.4493% | 1,920 |
| Retained earnings to average equity (ytd only) | 11.1428% | 411 |
| Net charge-offs to loans | 9.2174% | 3 |
| Credit loss provision to net charge-offs | 91.4616% | 2,702 |
| Earnings coverage of net charge-offs (x) | 1.9624% | 3,572 |
| Efficiency ratio | 54.6842% | 4,559 |
| Assets per employee ($millions) | 15.5964% | 94 |
| Cash dividends to net income (ytd only)* | 2.6775% | 3,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9001% | 61 |
| Loan loss allowance to noncurrent loans | 2,068.7500% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 3,870 |
| Noncurrent loans to loans | 0.1885% | 3,896 |
| Net loans and leases to total assets | 11.6209% | 5,350 |
| Net loans and leases to deposits | 13.1229% | 5,354 |
| Net loans and leases to core deposits | 13.1229% | 5,350 |
| Total domestic deposits to total assets | 88.5544% | 1,047 |
| Equity capital to assets | 10.8080% | 2,881 |
| Core capital (leverage) ratio | 10.3948% | 3,148 |
| Tier 1 risk-based capital ratio | 52.4364% | 122 |
| Total risk-based capital ratio | 53.7010% | 123 |
| Memoranda: | ||
| Average total assets | $137,109,800 | 3,543 |
| Average earning assets | $127,143,000 | 3,541 |
| Average equity | $14,027,000 | 3,745 |
| Average total loans | $22,490,000 | 5,016 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 1,363 |
| Cost of funding earning assets | 0.0200% | 5,453 |
| Net interest margin | 4.8042% | 375 |
| Noninterest income to average assets | 2.4339% | 213 |
| Noninterest expense to average assets | 3.6674% | 787 |
| Loan and lease loss provision to assets | 1.6875% | 37 |
| Net operating income to assets | 1.2111% | 2,197 |
| Return on assets (ROA) | 1.2111% | 2,200 |
| Pretax return on assets | 1.5368% | 1,781 |
| Return on Equity (ROE) | 12.0124% | 1,787 |
| Retained earnings to average equity (ytd only) | 12.0124% | 477 |
| Net charge-offs to loans | 9.5966% | 5 |
| Credit loss provision to net charge-offs | 100.4075% | 2,244 |
| Earnings coverage of net charge-offs (x) | 1.9185% | 3,301 |
| Efficiency ratio | 53.2150% | 4,686 |
| Assets per employee ($millions) | 19.4729% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7789% | 42 |
| Loan loss allowance to noncurrent loans | 42,300.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 4,085 |
| Noncurrent loans to loans | 0.0113% | 4,868 |
| Net loans and leases to total assets | 12.3667% | 5,417 |
| Net loans and leases to deposits | 13.9489% | 5,420 |
| Net loans and leases to core deposits | 13.9489% | 5,418 |
| Total domestic deposits to total assets | 88.6567% | 973 |
| Equity capital to assets | 10.6368% | 3,006 |
| Core capital (leverage) ratio | 9.8322% | 3,817 |
| Tier 1 risk-based capital ratio | 47.8655% | 149 |
| Total risk-based capital ratio | 49.1362% | 149 |
| Memoranda: | ||
| Average total assets | $136,295,250 | 3,598 |
| Average earning assets | $126,469,000 | 3,590 |
| Average equity | $13,741,000 | 3,810 |
| Average total loans | $23,869,000 | 5,030 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1317% | 624 |
| Cost of funding earning assets | 0.0206% | 5,515 |
| Net interest margin | 5.1112% | 200 |
| Noninterest income to average assets | 2.5416% | 207 |
| Noninterest expense to average assets | 3.7391% | 718 |
| Loan and lease loss provision to assets | 2.1102% | 33 |
| Net operating income to assets | 1.4264% | 1,348 |
| Return on assets (ROA) | 1.4264% | 1,348 |
| Pretax return on assets | 1.4293% | 2,055 |
| Return on Equity (ROE) | 14.4125% | 982 |
| Retained earnings to average equity (ytd only) | 14.4125% | 242 |
| Net charge-offs to loans | 9.7206% | 3 |
| Credit loss provision to net charge-offs | 114.1270% | 1,847 |
| Earnings coverage of net charge-offs (x) | 1.9143% | 3,014 |
| Efficiency ratio | 51.3710% | 4,943 |
| Assets per employee ($millions) | 19.7724% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4237% | 87 |
| Loan loss allowance to noncurrent loans | 33,900.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 4,129 |
| Noncurrent loans to loans | 0.0101% | 4,908 |
| Net loans and leases to total assets | 20.7273% | 5,439 |
| Net loans and leases to deposits | 23.2318% | 5,449 |
| Net loans and leases to core deposits | 23.2318% | 5,452 |
| Total domestic deposits to total assets | 89.2195% | 848 |
| Equity capital to assets | 10.3557% | 3,271 |
| Core capital (leverage) ratio | 9.5391% | 4,074 |
| Tier 1 risk-based capital ratio | 32.6436% | 389 |
| Total risk-based capital ratio | 33.9095% | 382 |
| Memoranda: | ||
| Average total assets | $136,290,330 | 3,617 |
| Average earning assets | $126,312,000 | 3,618 |
| Average equity | $13,488,330 | 3,871 |
| Average total loans | $25,924,330 | 5,023 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5240% | 267 |
| Cost of funding earning assets | 0.0191% | 5,581 |
| Net interest margin | 5.5049% | 108 |
| Noninterest income to average assets | 3.2063% | 150 |
| Noninterest expense to average assets | 4.2150% | 401 |
| Loan and lease loss provision to assets | 2.8898% | 21 |
| Net operating income to assets | 1.2068% | 1,972 |
| Return on assets (ROA) | 1.2068% | 1,982 |
| Pretax return on assets | 1.2068% | 2,724 |
| Return on Equity (ROE) | 12.4904% | 1,413 |
| Retained earnings to average equity (ytd only) | 12.4904% | 599 |
| Net charge-offs to loans | 10.3354% | 4 |
| Credit loss provision to net charge-offs | 157.3269% | 1,205 |
| Earnings coverage of net charge-offs (x) | 2.2303% | 2,480 |
| Efficiency ratio | 50.7117% | 5,044 |
| Assets per employee ($millions) | 17.4778% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6368% | 43 |
| Loan loss allowance to noncurrent loans | 39,833.3333% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 4,111 |
| Noncurrent loans to loans | 0.0116% | 4,957 |
| Net loans and leases to total assets | 17.5773% | 5,516 |
| Net loans and leases to deposits | 19.5136% | 5,524 |
| Net loans and leases to core deposits | 19.5136% | 5,526 |
| Total domestic deposits to total assets | 90.0774% | 633 |
| Equity capital to assets | 9.4892% | 4,102 |
| Core capital (leverage) ratio | 8.5783% | 5,083 |
| Tier 1 risk-based capital ratio | 32.3511% | 395 |
| Total risk-based capital ratio | 33.6376% | 387 |
| Memoranda: | ||
| Average total assets | $135,232,000 | 3,667 |
| Average earning assets | $125,416,500 | 3,660 |
| Average equity | $13,066,000 | 3,956 |
| Average total loans | $24,034,000 | 5,142 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 2,886 |
| Cost of funding earning assets | 0.0191% | 5,643 |
| Net interest margin | 4.1301% | 1,349 |
| Noninterest income to average assets | 2.1658% | 262 |
| Noninterest expense to average assets | 4.1409% | 454 |
| Loan and lease loss provision to assets | 1.2434% | 74 |
| Net operating income to assets | 1.9682% | 300 |
| Return on assets (ROA) | 2.0199% | 278 |
| Pretax return on assets | 0.6730% | 4,575 |
| Return on Equity (ROE) | 23.7654% | 83 |
| Retained earnings to average equity (ytd only) | 23.7654% | 23 |
| Net charge-offs to loans | 5.4658% | 14 |
| Credit loss provision to net charge-offs | 148.6162% | 1,800 |
| Earnings coverage of net charge-offs (x) | 2.2288% | 3,779 |
| Efficiency ratio | 68.9500% | 2,714 |
| Assets per employee ($millions) | 16.3303% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7630% | 75 |
| Loan loss allowance to noncurrent loans | 3,813.6364% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 4,030 |
| Noncurrent loans to loans | 0.0987% | 4,545 |
| Net loans and leases to total assets | 16.4243% | 5,590 |
| Net loans and leases to deposits | 18.3093% | 5,603 |
| Net loans and leases to core deposits | 18.3093% | 5,602 |
| Total domestic deposits to total assets | 89.7047% | 679 |
| Equity capital to assets | 9.8468% | 3,872 |
| Core capital (leverage) ratio | 9.1275% | 4,489 |
| Tier 1 risk-based capital ratio | 34.9060% | 321 |
| Total risk-based capital ratio | 36.1846% | 313 |
| Memoranda: | ||
| Average total assets | $129,561,000 | 3,754 |
| Average earning assets | $120,458,200 | 3,739 |
| Average equity | $11,011,800 | 4,293 |
| Average total loans | $19,832,400 | 5,321 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 3,482 |
| Cost of funding earning assets | 0.0189% | 5,709 |
| Net interest margin | 3.9429% | 1,881 |
| Noninterest income to average assets | 2.0140% | 304 |
| Noninterest expense to average assets | 4.1074% | 456 |
| Loan and lease loss provision to assets | 0.8002% | 135 |
| Net operating income to assets | 0.7714% | 3,640 |
| Return on assets (ROA) | 0.7714% | 3,692 |
| Pretax return on assets | 0.7734% | 4,422 |
| Return on Equity (ROE) | 9.4543% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.4543% | 721 |
| Net charge-offs to loans | 4.0242% | 26 |
| Credit loss provision to net charge-offs | 133.7931% | 1,842 |
| Earnings coverage of net charge-offs (x) | 2.6311% | 3,441 |
| Efficiency ratio | 72.2999% | 2,163 |
| Assets per employee ($millions) | 15.6234% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6010% | 237 |
| Loan loss allowance to noncurrent loans | 1,372.9730% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 4,200 |
| Noncurrent loans to loans | 0.1894% | 4,314 |
| Net loans and leases to total assets | 15.2200% | 5,669 |
| Net loans and leases to deposits | 16.7578% | 5,676 |
| Net loans and leases to core deposits | 16.7578% | 5,674 |
| Total domestic deposits to total assets | 90.8230% | 228 |
| Equity capital to assets | 8.6633% | 5,177 |
| Core capital (leverage) ratio | 8.1506% | 5,449 |
| Tier 1 risk-based capital ratio | 36.6225% | 287 |
| Total risk-based capital ratio | 37.8779% | 283 |
| Memoranda: | ||
| Average total assets | $129,290,750 | 3,798 |
| Average earning assets | $120,247,000 | 3,786 |
| Average equity | $10,548,750 | 4,412 |
| Average total loans | $19,216,500 | 5,390 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9267% | 3,459 |
| Cost of funding earning assets | 0.0181% | 5,757 |
| Net interest margin | 3.9086% | 1,897 |
| Noninterest income to average assets | 2.0133% | 307 |
| Noninterest expense to average assets | 3.9288% | 578 |
| Loan and lease loss provision to assets | 0.6054% | 183 |
| Net operating income to assets | 1.1053% | 1,947 |
| Return on assets (ROA) | 1.1053% | 1,997 |
| Pretax return on assets | 1.1053% | 3,152 |
| Return on Equity (ROE) | 13.6936% | 873 |
| Retained earnings to average equity (ytd only) | 13.6936% | 205 |
| Net charge-offs to loans | 2.4697% | 58 |
| Credit loss provision to net charge-offs | 167.7966% | 1,417 |
| Earnings coverage of net charge-offs (x) | 4.7415% | 2,891 |
| Efficiency ratio | 69.6666% | 2,734 |
| Assets per employee ($millions) | 14.3041% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4983% | 286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 4,446 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 14.3090% | 5,721 |
| Net loans and leases to deposits | 15.7240% | 5,729 |
| Net loans and leases to core deposits | 15.7240% | 5,726 |
| Total domestic deposits to total assets | 91.0010% | 226 |
| Equity capital to assets | 8.5112% | 5,300 |
| Core capital (leverage) ratio | 7.9152% | 5,563 |
| Tier 1 risk-based capital ratio | 38.8907% | 226 |
| Total risk-based capital ratio | 40.1450% | 222 |
| Memoranda: | ||
| Average total assets | $130,829,000 | 3,792 |
| Average earning assets | $121,373,670 | 3,782 |
| Average equity | $10,559,670 | 4,425 |
| Average total loans | $19,111,670 | 5,435 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4957% | 1,382 |
| Cost of funding earning assets | 0.0197% | 5,816 |
| Net interest margin | 4.4759% | 548 |
| Noninterest income to average assets | 2.0565% | 303 |
| Noninterest expense to average assets | 3.9067% | 596 |
| Loan and lease loss provision to assets | 0.3185% | 394 |
| Net operating income to assets | 1.9564% | 326 |
| Return on assets (ROA) | 1.9564% | 340 |
| Pretax return on assets | 1.9564% | 551 |
| Return on Equity (ROE) | 24.9011% | 88 |
| Retained earnings to average equity (ytd only) | 24.9011% | 52 |
| Net charge-offs to loans | 1.0821% | 161 |
| Credit loss provision to net charge-offs | 201.9231% | 1,011 |
| Earnings coverage of net charge-offs (x) | 14.4231% | 1,723 |
| Efficiency ratio | 63.1992% | 3,956 |
| Assets per employee ($millions) | 16.1992% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0267% | 642 |
| Loan loss allowance to noncurrent loans | 2,807.6923% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 4,556 |
| Noncurrent loans to loans | 0.0722% | 4,910 |
| Net loans and leases to total assets | 12.1028% | 5,800 |
| Net loans and leases to deposits | 13.2032% | 5,803 |
| Net loans and leases to core deposits | 13.2032% | 5,796 |
| Total domestic deposits to total assets | 91.6656% | 152 |
| Equity capital to assets | 7.3556% | 5,711 |
| Core capital (leverage) ratio | 7.3186% | 5,734 |
| Tier 1 risk-based capital ratio | 41.6791% | 204 |
| Total risk-based capital ratio | 42.9315% | 202 |
| Memoranda: | ||
| Average total assets | $131,875,000 | 3,815 |
| Average earning assets | $121,539,500 | 3,820 |
| Average equity | $10,361,000 | 4,486 |
| Average total loans | $19,221,000 | 5,490 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1230% | 5,831 |
| Cost of funding earning assets | 0.0221% | 5,870 |
| Net interest margin | 2.1009% | 5,785 |
| Noninterest income to average assets | 3.8568% | 150 |
| Noninterest expense to average assets | 4.6572% | 329 |
| Loan and lease loss provision to assets | 0.0391% | 3,594 |
| Net operating income to assets | 1.0646% | 2,067 |
| Return on assets (ROA) | 1.1011% | 1,990 |
| Pretax return on assets | 1.1011% | 3,105 |
| Return on Equity (ROE) | 12.9978% | 993 |
| Retained earnings to average equity (ytd only) | 12.9978% | 166 |
| Net charge-offs to loans | 0.0068% | 4,024 |
| Credit loss provision to net charge-offs | 2,250.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 635.0000% | 128 |
| Efficiency ratio | 80.8418% | 1,323 |
| Assets per employee ($millions) | 11.7957% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 1,575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 4,463 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 17.0571% | 5,831 |
| Net loans and leases to deposits | 18.7374% | 5,837 |
| Net loans and leases to core deposits | 18.7374% | 5,840 |
| Total domestic deposits to total assets | 91.0323% | 274 |
| Equity capital to assets | 8.4760% | 5,287 |
| Core capital (leverage) ratio | 8.3394% | 5,407 |
| Tier 1 risk-based capital ratio | 35.2016% | 315 |
| Total risk-based capital ratio | 36.2993% | 313 |
| Memoranda: | ||
| Average total assets | $115,069,000 | 4,080 |
| Average earning assets | $104,287,800 | 4,112 |
| Average equity | $9,747,800 | 4,625 |
| Average total loans | $29,590,400 | 5,204 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1844% | 5,895 |
| Cost of funding earning assets | 0.0205% | 5,937 |
| Net interest margin | 2.1638% | 5,834 |
| Noninterest income to average assets | 4.2501% | 146 |
| Noninterest expense to average assets | 5.0628% | 254 |
| Loan and lease loss provision to assets | 0.0117% | 4,010 |
| Net operating income to assets | 1.1415% | 1,844 |
| Return on assets (ROA) | 1.1905% | 1,765 |
| Pretax return on assets | 1.1905% | 2,869 |
| Return on Equity (ROE) | 14.0554% | 817 |
| Retained earnings to average equity (ytd only) | 14.0554% | 168 |
| Net charge-offs to loans | -0.0042% | 4,583 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4481% | 1,255 |
| Assets per employee ($millions) | 6.5181% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 1,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 3,687 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 15.9727% | 5,905 |
| Net loans and leases to deposits | 17.5827% | 5,914 |
| Net loans and leases to core deposits | 17.5827% | 5,911 |
| Total domestic deposits to total assets | 90.8434% | 225 |
| Equity capital to assets | 8.6469% | 5,436 |
| Core capital (leverage) ratio | 8.2586% | 5,531 |
| Tier 1 risk-based capital ratio | 36.3521% | 309 |
| Total risk-based capital ratio | 37.3952% | 310 |
| Memoranda: | ||
| Average total assets | $114,347,000 | 4,118 |
| Average earning assets | $103,886,500 | 4,147 |
| Average equity | $9,685,250 | 4,681 |
| Average total loans | $31,880,000 | 5,184 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3707% | 5,941 |
| Cost of funding earning assets | 0.0193% | 6,020 |
| Net interest margin | 2.3514% | 5,837 |
| Noninterest income to average assets | 5.1520% | 119 |
| Noninterest expense to average assets | 5.8242% | 181 |
| Loan and lease loss provision to assets | 0.0176% | 3,771 |
| Net operating income to assets | 1.4627% | 954 |
| Return on assets (ROA) | 1.5350% | 880 |
| Pretax return on assets | 1.5350% | 1,567 |
| Return on Equity (ROE) | 18.2543% | 341 |
| Retained earnings to average equity (ytd only) | 18.2543% | 78 |
| Net charge-offs to loans | -0.0055% | 4,553 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7343% | 1,524 |
| Assets per employee ($millions) | 4.1844% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 4,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 3,581 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 22.4719% | 5,910 |
| Net loans and leases to deposits | 24.6725% | 5,939 |
| Net loans and leases to core deposits | 24.6725% | 5,948 |
| Total domestic deposits to total assets | 91.0809% | 180 |
| Equity capital to assets | 8.4668% | 5,616 |
| Core capital (leverage) ratio | 7.9346% | 5,761 |
| Tier 1 risk-based capital ratio | 29.7679% | 508 |
| Total risk-based capital ratio | 30.6355% | 516 |
| Memoranda: | ||
| Average total assets | $113,354,330 | 4,163 |
| Average earning assets | $103,768,000 | 4,179 |
| Average equity | $9,532,000 | 4,738 |
| Average total loans | $36,166,670 | 5,102 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7138% | 5,900 |
| Cost of funding earning assets | 0.0194% | 6,080 |
| Net interest margin | 2.6944% | 5,626 |
| Noninterest income to average assets | 6.7044% | 92 |
| Noninterest expense to average assets | 6.6864% | 148 |
| Loan and lease loss provision to assets | 0.0359% | 3,181 |
| Net operating income to assets | 2.4800% | 160 |
| Return on assets (ROA) | 2.6308% | 133 |
| Pretax return on assets | 2.6308% | 194 |
| Return on Equity (ROE) | 31.3986% | 40 |
| Retained earnings to average equity (ytd only) | 31.3986% | 22 |
| Net charge-offs to loans | -0.0098% | 4,526 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6599% | 2,704 |
| Assets per employee ($millions) | 2.9698% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7356% | 5,529 |
| Loan loss allowance to noncurrent loans | 307.6923% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.9908% | 2,229 |
| Noncurrent loans to loans | 0.2391% | 4,574 |
| Net loans and leases to total assets | 31.8082% | 5,784 |
| Net loans and leases to deposits | 34.9214% | 5,850 |
| Net loans and leases to core deposits | 34.9214% | 5,878 |
| Total domestic deposits to total assets | 91.0851% | 245 |
| Equity capital to assets | 8.2052% | 5,743 |
| Core capital (leverage) ratio | 7.8005% | 5,850 |
| Tier 1 risk-based capital ratio | 24.5904% | 858 |
| Total risk-based capital ratio | 25.3174% | 895 |
| Memoranda: | ||
| Average total assets | $111,449,500 | 4,234 |
| Average earning assets | $103,325,000 | 4,228 |
| Average equity | $9,338,000 | 4,793 |
| Average total loans | $40,945,500 | 4,978 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0026% | 5,722 |
| Cost of funding earning assets | 0.0221% | 6,141 |
| Net interest margin | 2.9805% | 5,182 |
| Noninterest income to average assets | 6.1889% | 101 |
| Noninterest expense to average assets | 7.2969% | 129 |
| Loan and lease loss provision to assets | 0.0408% | 3,517 |
| Net operating income to assets | 1.6004% | 706 |
| Return on assets (ROA) | 1.9743% | 369 |
| Pretax return on assets | 1.9743% | 563 |
| Return on Equity (ROE) | 24.7402% | 106 |
| Retained earnings to average equity (ytd only) | 24.7402% | 43 |
| Net charge-offs to loans | 0.0213% | 3,842 |
| Credit loss provision to net charge-offs | 381.8182% | 785 |
| Earnings coverage of net charge-offs (x) | 153.6364% | 414 |
| Efficiency ratio | 81.6384% | 1,453 |
| Assets per employee ($millions) | 2.5392% | 5,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6138% | 5,778 |
| Loan loss allowance to noncurrent loans | 289.2473% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 1.2093% | 1,788 |
| Noncurrent loans to loans | 0.2122% | 4,660 |
| Net loans and leases to total assets | 41.8379% | 5,417 |
| Net loans and leases to deposits | 46.1096% | 5,555 |
| Net loans and leases to core deposits | 46.1096% | 5,646 |
| Total domestic deposits to total assets | 90.7357% | 365 |
| Equity capital to assets | 8.5766% | 5,499 |
| Core capital (leverage) ratio | 8.5410% | 5,385 |
| Tier 1 risk-based capital ratio | 19.7643% | 1,528 |
| Total risk-based capital ratio | 20.3728% | 1,631 |
| Memoranda: | ||
| Average total assets | $102,975,400 | 4,407 |
| Average earning assets | $94,984,600 | 4,415 |
| Average equity | $8,217,400 | 5,019 |
| Average total loans | $51,539,800 | 4,617 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1282% | 5,671 |
| Cost of funding earning assets | 0.0225% | 6,226 |
| Net interest margin | 3.1057% | 4,949 |
| Noninterest income to average assets | 6.4671% | 101 |
| Noninterest expense to average assets | 7.4902% | 131 |
| Loan and lease loss provision to assets | 0.0351% | 3,522 |
| Net operating income to assets | 1.8112% | 507 |
| Return on assets (ROA) | 2.3111% | 223 |
| Pretax return on assets | 2.3111% | 330 |
| Return on Equity (ROE) | 29.5201% | 58 |
| Retained earnings to average equity (ytd only) | 29.5201% | 28 |
| Net charge-offs to loans | 0.0399% | 3,088 |
| Credit loss provision to net charge-offs | 168.7500% | 1,542 |
| Earnings coverage of net charge-offs (x) | 88.8865% | 694 |
| Efficiency ratio | 80.2253% | 1,631 |
| Assets per employee ($millions) | 2.3875% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5780% | 5,928 |
| Loan loss allowance to noncurrent loans | 230.5556% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 1.2885% | 1,818 |
| Noncurrent loans to loans | 0.2507% | 4,677 |
| Net loans and leases to total assets | 42.7170% | 5,447 |
| Net loans and leases to deposits | 47.1844% | 5,608 |
| Net loans and leases to core deposits | 47.1844% | 5,685 |
| Total domestic deposits to total assets | 90.5319% | 378 |
| Equity capital to assets | 8.7450% | 5,543 |
| Core capital (leverage) ratio | 8.0999% | 5,843 |
| Tier 1 risk-based capital ratio | 20.2545% | 1,495 |
| Total risk-based capital ratio | 20.8490% | 1,616 |
| Memoranda: | ||
| Average total assets | $102,692,000 | 4,454 |
| Average earning assets | $94,875,500 | 4,461 |
| Average equity | $8,039,500 | 5,121 |
| Average total loans | $53,468,250 | 4,617 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3130% | 5,414 |
| Cost of funding earning assets | 0.0227% | 6,303 |
| Net interest margin | 3.2903% | 4,337 |
| Noninterest income to average assets | 6.6649% | 102 |
| Noninterest expense to average assets | 7.7489% | 119 |
| Loan and lease loss provision to assets | 0.0329% | 3,462 |
| Net operating income to assets | 1.9614% | 391 |
| Return on assets (ROA) | 2.7054% | 132 |
| Pretax return on assets | 2.7054% | 187 |
| Return on Equity (ROE) | 35.9143% | 34 |
| Retained earnings to average equity (ytd only) | 35.9143% | 18 |
| Net charge-offs to loans | 0.0562% | 2,602 |
| Credit loss provision to net charge-offs | 106.2500% | 1,969 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 800 |
| Efficiency ratio | 79.5319% | 1,828 |
| Assets per employee ($millions) | 2.6089% | 5,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4501% | 6,131 |
| Loan loss allowance to noncurrent loans | 956.0000% | 585 |
| Noncurrent assets plus other real estate owned to assets | 1.1399% | 2,233 |
| Noncurrent loans to loans | 0.0471% | 5,563 |
| Net loans and leases to total assets | 48.2428% | 5,081 |
| Net loans and leases to deposits | 52.4951% | 5,351 |
| Net loans and leases to core deposits | 52.4951% | 5,512 |
| Total domestic deposits to total assets | 91.8996% | 137 |
| Equity capital to assets | 7.5674% | 6,106 |
| Core capital (leverage) ratio | 7.4742% | 6,105 |
| Tier 1 risk-based capital ratio | 17.7657% | 2,137 |
| Total risk-based capital ratio | 18.2896% | 2,332 |
| Memoranda: | ||
| Average total assets | $103,498,000 | 4,477 |
| Average earning assets | $96,831,000 | 4,449 |
| Average equity | $7,796,330 | 5,201 |
| Average total loans | $56,930,000 | 4,543 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1498% | 5,722 |
| Cost of funding earning assets | 0.0213% | 6,376 |
| Net interest margin | 3.1285% | 4,859 |
| Noninterest income to average assets | 6.9521% | 102 |
| Noninterest expense to average assets | 7.5692% | 131 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.3054% | 199 |
| Return on assets (ROA) | 3.8384% | 66 |
| Pretax return on assets | 3.8384% | 91 |
| Return on Equity (ROE) | 51.0830% | 21 |
| Retained earnings to average equity (ytd only) | 51.0830% | 11 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6532% | 2,406 |
| Assets per employee ($millions) | 2.7416% | 5,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3389% | 6,271 |
| Loan loss allowance to noncurrent loans | 915.3846% | 589 |
| Noncurrent assets plus other real estate owned to assets | 1.1800% | 2,275 |
| Noncurrent loans to loans | 0.0370% | 5,640 |
| Net loans and leases to total assets | 63.8219% | 3,117 |
| Net loans and leases to deposits | 69.3496% | 3,817 |
| Net loans and leases to core deposits | 69.3496% | 4,217 |
| Total domestic deposits to total assets | 92.0292% | 139 |
| Equity capital to assets | 7.3826% | 6,207 |
| Core capital (leverage) ratio | 7.3069% | 6,199 |
| Tier 1 risk-based capital ratio | 13.8743% | 4,105 |
| Total risk-based capital ratio | 14.3048% | 4,489 |
| Memoranda: | ||
| Average total assets | $100,459,500 | 4,583 |
| Average earning assets | $93,848,000 | 4,553 |
| Average equity | $7,548,500 | 5,292 |
| Average total loans | $58,844,500 | 4,523 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2954% | 5,708 |
| Cost of funding earning assets | 0.0298% | 6,454 |
| Net interest margin | 3.2656% | 4,700 |
| Noninterest income to average assets | 3.4306% | 164 |
| Noninterest expense to average assets | 6.3215% | 166 |
| Loan and lease loss provision to assets | 0.0971% | 2,527 |
| Net operating income to assets | 0.0397% | 6,041 |
| Return on assets (ROA) | 0.0850% | 6,003 |
| Pretax return on assets | 0.0850% | 6,005 |
| Return on Equity (ROE) | 1.2139% | 5,945 |
| Retained earnings to average equity (ytd only) | 1.2139% | 5,239 |
| Net charge-offs to loans | 0.1521% | 2,518 |
| Credit loss provision to net charge-offs | 146.6667% | 1,640 |
| Earnings coverage of net charge-offs (x) | 2.0667% | 4,258 |
| Efficiency ratio | 97.8807% | 428 |
| Assets per employee ($millions) | 2.6079% | 6,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5015% | 6,255 |
| Loan loss allowance to noncurrent loans | 71.4715% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.5097% | 1,801 |
| Noncurrent loans to loans | 0.7016% | 3,575 |
| Net loans and leases to total assets | 51.7365% | 4,808 |
| Net loans and leases to deposits | 58.4962% | 5,030 |
| Net loans and leases to core deposits | 58.4962% | 5,230 |
| Total domestic deposits to total assets | 88.4441% | 1,549 |
| Equity capital to assets | 7.6941% | 6,181 |
| Core capital (leverage) ratio | 7.5737% | 6,181 |
| Tier 1 risk-based capital ratio | 15.1023% | 3,437 |
| Total risk-based capital ratio | 15.6366% | 3,782 |
| Memoranda: | ||
| Average total assets | $90,595,400 | 4,826 |
| Average earning assets | $83,996,800 | 4,789 |
| Average equity | $6,343,400 | 5,559 |
| Average total loans | $39,455,400 | 5,204 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2444% | 5,850 |
| Cost of funding earning assets | 0.0287% | 6,540 |
| Net interest margin | 3.2157% | 4,911 |
| Noninterest income to average assets | 3.0168% | 189 |
| Noninterest expense to average assets | 6.1486% | 174 |
| Loan and lease loss provision to assets | 0.1180% | 2,095 |
| Net operating income to assets | -0.2743% | 6,303 |
| Return on assets (ROA) | -0.2743% | 6,297 |
| Pretax return on assets | -0.2743% | 6,280 |
| Return on Equity (ROE) | -4.0170% | 6,342 |
| Retained earnings to average equity (ytd only) | -4.0170% | 6,209 |
| Net charge-offs to loans | 0.2136% | 1,758 |
| Credit loss provision to net charge-offs | 133.3333% | 1,742 |
| Earnings coverage of net charge-offs (x) | -1.7666% | 4,553 |
| Efficiency ratio | 102.6083% | 314 |
| Assets per employee ($millions) | 3.1334% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4964% | 6,345 |
| Loan loss allowance to noncurrent loans | 74.9186% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.3919% | 2,216 |
| Noncurrent loans to loans | 0.6626% | 3,954 |
| Net loans and leases to total assets | 47.4654% | 5,250 |
| Net loans and leases to deposits | 58.1478% | 5,093 |
| Net loans and leases to core deposits | 58.1478% | 5,320 |
| Total domestic deposits to total assets | 81.6289% | 4,619 |
| Equity capital to assets | 6.6608% | 6,425 |
| Core capital (leverage) ratio | 7.1835% | 6,359 |
| Tier 1 risk-based capital ratio | 13.9044% | 4,287 |
| Total risk-based capital ratio | 14.3991% | 4,700 |
| Memoranda: | ||
| Average total assets | $90,424,750 | 4,880 |
| Average earning assets | $83,670,250 | 4,847 |
| Average equity | $6,173,500 | 5,644 |
| Average total loans | $37,453,750 | 5,323 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2078% | 5,936 |
| Cost of funding earning assets | 0.0295% | 6,605 |
| Net interest margin | 3.1784% | 5,018 |
| Noninterest income to average assets | 2.8031% | 203 |
| Noninterest expense to average assets | 6.1210% | 171 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3810% | 6,403 |
| Return on assets (ROA) | -0.3810% | 6,409 |
| Pretax return on assets | -0.3810% | 6,389 |
| Return on Equity (ROE) | -5.5312% | 6,444 |
| Retained earnings to average equity (ytd only) | -5.5312% | 6,269 |
| Net charge-offs to loans | -0.0986% | 6,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6377% | 283 |
| Assets per employee ($millions) | 2.9962% | 5,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6182% | 6,288 |
| Loan loss allowance to noncurrent loans | 24.4612% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 1.6276% | 2,011 |
| Noncurrent loans to loans | 2.5271% | 1,226 |
| Net loans and leases to total assets | 40.6014% | 5,778 |
| Net loans and leases to deposits | 43.9921% | 5,981 |
| Net loans and leases to core deposits | 43.9921% | 6,067 |
| Total domestic deposits to total assets | 92.2925% | 136 |
| Equity capital to assets | 7.1746% | 6,417 |
| Core capital (leverage) ratio | 7.0692% | 6,416 |
| Tier 1 risk-based capital ratio | 16.5391% | 2,807 |
| Total risk-based capital ratio | 17.1184% | 3,096 |
| Memoranda: | ||
| Average total assets | $88,187,670 | 4,970 |
| Average earning assets | $81,488,000 | 4,947 |
| Average equity | $6,074,670 | 5,698 |
| Average total loans | $34,493,000 | 5,471 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0580% | 6,173 |
| Cost of funding earning assets | 0.0348% | 6,676 |
| Net interest margin | 3.0232% | 5,468 |
| Noninterest income to average assets | 2.4960% | 238 |
| Noninterest expense to average assets | 6.1187% | 183 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.8381% | 6,548 |
| Return on assets (ROA) | -0.8381% | 6,548 |
| Pretax return on assets | -0.8381% | 6,537 |
| Return on Equity (ROE) | -12.4331% | 6,588 |
| Retained earnings to average equity (ytd only) | -12.4331% | 6,428 |
| Net charge-offs to loans | -0.3355% | 6,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8716% | 211 |
| Assets per employee ($millions) | 3.2576% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7581% | 6,179 |
| Loan loss allowance to noncurrent loans | 14.5833% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 2.4087% | 1,340 |
| Noncurrent loans to loans | 5.1981% | 412 |
| Net loans and leases to total assets | 34.1600% | 6,174 |
| Net loans and leases to deposits | 36.8280% | 6,289 |
| Net loans and leases to core deposits | 36.8280% | 6,340 |
| Total domestic deposits to total assets | 92.7553% | 139 |
| Equity capital to assets | 6.7107% | 6,499 |
| Core capital (leverage) ratio | 7.2226% | 6,418 |
| Tier 1 risk-based capital ratio | 17.2243% | 2,589 |
| Total risk-based capital ratio | 17.8583% | 2,817 |
| Memoranda: | ||
| Average total assets | $87,338,500 | 5,036 |
| Average earning assets | $80,444,000 | 5,011 |
| Average equity | $5,887,500 | 5,774 |
| Average total loans | $33,378,500 | 5,574 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9720% | 4,188 |
| Cost of funding earning assets | 0.0664% | 6,736 |
| Net interest margin | 3.9056% | 2,264 |
| Noninterest income to average assets | 5.8817% | 112 |
| Noninterest expense to average assets | 10.8158% | 71 |
| Loan and lease loss provision to assets | -0.1184% | 6,511 |
| Net operating income to assets | -1.1927% | 6,633 |
| Return on assets (ROA) | -1.1358% | 6,628 |
| Pretax return on assets | -1.1358% | 6,618 |
| Return on Equity (ROE) | -15.0758% | 6,645 |
| Retained earnings to average equity (ytd only) | -15.0758% | 6,618 |
| Net charge-offs to loans | 0.1877% | 2,963 |
| Credit loss provision to net charge-offs | -107.5269% | 5,891 |
| Earnings coverage of net charge-offs (x) | -11.9032% | 5,431 |
| Efficiency ratio | 111.0156% | 257 |
| Assets per employee ($millions) | 2.1964% | 6,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5939% | 6,481 |
| Loan loss allowance to noncurrent loans | 53.1646% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.1502% | 3,097 |
| Noncurrent loans to loans | 1.1170% | 3,303 |
| Net loans and leases to total assets | 42.1147% | 5,817 |
| Net loans and leases to deposits | 45.5171% | 6,044 |
| Net loans and leases to core deposits | 45.5171% | 6,158 |
| Total domestic deposits to total assets | 92.5250% | 187 |
| Equity capital to assets | 6.7741% | 6,519 |
| Core capital (leverage) ratio | 7.7269% | 6,290 |
| Tier 1 risk-based capital ratio | 15.5205% | 3,366 |
| Total risk-based capital ratio | 16.0379% | 3,732 |
| Memoranda: | ||
| Average total assets | $84,432,000 | 5,131 |
| Average earning assets | $78,323,400 | 5,081 |
| Average equity | $6,361,200 | 5,726 |
| Average total loans | $49,546,800 | 4,978 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 4,095 |
| Cost of funding earning assets | 0.0710% | 6,816 |
| Net interest margin | 3.9374% | 2,153 |
| Noninterest income to average assets | 6.8654% | 98 |
| Noninterest expense to average assets | 11.4051% | 68 |
| Loan and lease loss provision to assets | -0.1575% | 6,683 |
| Net operating income to assets | -0.7165% | 6,654 |
| Return on assets (ROA) | -0.6409% | 6,645 |
| Pretax return on assets | -0.6409% | 6,631 |
| Return on Equity (ROE) | -8.2999% | 6,668 |
| Retained earnings to average equity (ytd only) | -8.2999% | 6,606 |
| Net charge-offs to loans | 0.1683% | 2,875 |
| Credit loss provision to net charge-offs | -149.2537% | 5,845 |
| Earnings coverage of net charge-offs (x) | -8.2837% | 5,155 |
| Efficiency ratio | 106.9378% | 313 |
| Assets per employee ($millions) | 1.4953% | 6,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5515% | 6,615 |
| Loan loss allowance to noncurrent loans | 19.8319% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 2.1571% | 1,853 |
| Noncurrent loans to loans | 2.7808% | 1,505 |
| Net loans and leases to total assets | 51.7473% | 4,903 |
| Net loans and leases to deposits | 56.2544% | 5,353 |
| Net loans and leases to core deposits | 56.2544% | 5,601 |
| Total domestic deposits to total assets | 91.9881% | 248 |
| Equity capital to assets | 6.9030% | 6,574 |
| Core capital (leverage) ratio | 7.0796% | 6,572 |
| Tier 1 risk-based capital ratio | 13.4570% | 4,787 |
| Total risk-based capital ratio | 13.9822% | 5,250 |
| Memoranda: | ||
| Average total assets | $84,673,750 | 5,169 |
| Average earning assets | $78,831,000 | 5,112 |
| Average equity | $6,538,000 | 5,754 |
| Average total loans | $53,093,250 | 4,884 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 4,008 |
| Cost of funding earning assets | 0.0727% | 6,867 |
| Net interest margin | 3.9530% | 2,035 |
| Noninterest income to average assets | 8.4202% | 85 |
| Noninterest expense to average assets | 11.9974% | 65 |
| Loan and lease loss provision to assets | -0.2340% | 6,804 |
| Net operating income to assets | 0.3439% | 5,427 |
| Return on assets (ROA) | 0.4562% | 5,156 |
| Pretax return on assets | 0.4562% | 5,503 |
| Return on Equity (ROE) | 5.7143% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.7143% | 2,602 |
| Net charge-offs to loans | 0.2158% | 2,467 |
| Credit loss provision to net charge-offs | -163.9344% | 5,693 |
| Earnings coverage of net charge-offs (x) | 0.7705% | 4,271 |
| Efficiency ratio | 97.9324% | 569 |
| Assets per employee ($millions) | 1.3160% | 6,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4090% | 6,765 |
| Loan loss allowance to noncurrent loans | 16.9113% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 2.0154% | 2,141 |
| Noncurrent loans to loans | 2.4185% | 1,938 |
| Net loans and leases to total assets | 66.8300% | 2,445 |
| Net loans and leases to deposits | 74.6977% | 3,053 |
| Net loans and leases to core deposits | 74.6977% | 3,699 |
| Total domestic deposits to total assets | 89.4673% | 1,344 |
| Equity capital to assets | 7.2596% | 6,523 |
| Core capital (leverage) ratio | 7.4434% | 6,478 |
| Tier 1 risk-based capital ratio | 12.2314% | 5,657 |
| Total risk-based capital ratio | 12.6786% | 6,109 |
| Memoranda: | ||
| Average total assets | $85,485,000 | 5,170 |
| Average earning assets | $79,737,670 | 5,125 |
| Average equity | $6,825,000 | 5,730 |
| Average total loans | $56,526,670 | 4,805 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 3,805 |
| Cost of funding earning assets | 0.0814% | 6,934 |
| Net interest margin | 3.9987% | 1,791 |
| Noninterest income to average assets | 9.5887% | 74 |
| Noninterest expense to average assets | 12.4933% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8319% | 2,997 |
| Return on assets (ROA) | 0.8319% | 3,140 |
| Pretax return on assets | 0.8319% | 4,034 |
| Return on Equity (ROE) | 9.9474% | 2,083 |
| Retained earnings to average equity (ytd only) | 9.9474% | 1,117 |
| Net charge-offs to loans | 0.4420% | 1,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.8689% | 2,915 |
| Efficiency ratio | 92.6864% | 930 |
| Assets per employee ($millions) | 1.3221% | 6,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5722% | 6,736 |
| Loan loss allowance to noncurrent loans | 22.3969% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 2.0155% | 2,325 |
| Noncurrent loans to loans | 2.5548% | 2,021 |
| Net loans and leases to total assets | 66.1024% | 2,355 |
| Net loans and leases to deposits | 72.5395% | 3,120 |
| Net loans and leases to core deposits | 72.5395% | 3,755 |
| Total domestic deposits to total assets | 91.1260% | 475 |
| Equity capital to assets | 7.8529% | 6,451 |
| Core capital (leverage) ratio | 7.4221% | 6,497 |
| Tier 1 risk-based capital ratio | 12.7485% | 5,405 |
| Total risk-based capital ratio | 13.4126% | 5,775 |
| Memoranda: | ||
| Average total assets | $84,141,000 | 5,263 |
| Average earning assets | $78,625,500 | 5,191 |
| Average equity | $7,037,000 | 5,735 |
| Average total loans | $55,206,000 | 4,880 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 4,576 |
| Cost of funding earning assets | 0.5309% | 4,989 |
| Net interest margin | 3.6748% | 3,769 |
| Noninterest income to average assets | 8.2683% | 89 |
| Noninterest expense to average assets | 11.7330% | 64 |
| Loan and lease loss provision to assets | -0.0810% | 6,911 |
| Net operating income to assets | 0.0192% | 6,140 |
| Return on assets (ROA) | 0.3007% | 5,673 |
| Pretax return on assets | 0.3007% | 5,812 |
| Return on Equity (ROE) | 3.1267% | 5,503 |
| Retained earnings to average equity (ytd only) | 3.1267% | 4,039 |
| Net charge-offs to loans | -0.0022% | 6,331 |
| Credit loss provision to net charge-offs | 5,900.0000% | 43 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8705% | 597 |
| Assets per employee ($millions) | 0.9921% | 7,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 6,496 |
| Loan loss allowance to noncurrent loans | 29.1606% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 2.4343% | 2,012 |
| Noncurrent loans to loans | 2.7290% | 1,940 |
| Net loans and leases to total assets | 64.0975% | 2,880 |
| Net loans and leases to deposits | 71.1177% | 3,547 |
| Net loans and leases to core deposits | 71.1177% | 4,155 |
| Total domestic deposits to total assets | 90.1287% | 885 |
| Equity capital to assets | 8.9488% | 5,579 |
| Core capital (leverage) ratio | 8.2720% | 5,916 |
| Tier 1 risk-based capital ratio | 13.1696% | 4,984 |
| Total risk-based capital ratio | 14.0043% | 5,226 |
| Memoranda: | ||
| Average total assets | $72,820,200 | 5,555 |
| Average earning assets | $67,432,600 | 5,505 |
| Average equity | $7,004,200 | 5,763 |
| Average total loans | $45,685,400 | 5,262 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 4,152 |
| Cost of funding earning assets | 0.6234% | 4,420 |
| Net interest margin | 3.7522% | 3,537 |
| Noninterest income to average assets | 8.2708% | 91 |
| Noninterest expense to average assets | 11.1304% | 68 |
| Loan and lease loss provision to assets | -0.1101% | 7,045 |
| Net operating income to assets | 0.7224% | 3,814 |
| Return on assets (ROA) | 0.7224% | 4,059 |
| Pretax return on assets | 0.7224% | 4,785 |
| Return on Equity (ROE) | 7.3694% | 3,598 |
| Retained earnings to average equity (ytd only) | 7.3694% | 1,910 |
| Net charge-offs to loans | 0.0060% | 5,664 |
| Credit loss provision to net charge-offs | -2,950.0000% | 6,635 |
| Earnings coverage of net charge-offs (x) | 163.7903% | 270 |
| Efficiency ratio | 94.7862% | 726 |
| Assets per employee ($millions) | 1.0847% | 7,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 6,012 |
| Loan loss allowance to noncurrent loans | 28.3192% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 2.3087% | 2,303 |
| Noncurrent loans to loans | 3.5960% | 1,504 |
| Net loans and leases to total assets | 49.9078% | 5,322 |
| Net loans and leases to deposits | 55.5792% | 5,670 |
| Net loans and leases to core deposits | 55.8780% | 5,902 |
| Total domestic deposits to total assets | 89.7959% | 954 |
| Equity capital to assets | 9.4473% | 5,265 |
| Core capital (leverage) ratio | 8.6819% | 5,499 |
| Tier 1 risk-based capital ratio | 16.7582% | 2,866 |
| Total risk-based capital ratio | 17.7546% | 2,963 |
| Memoranda: | ||
| Average total assets | $71,430,500 | 5,652 |
| Average earning assets | $66,092,250 | 5,614 |
| Average equity | $7,001,750 | 5,831 |
| Average total loans | $44,446,250 | 5,377 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7034% | 2,902 |
| Cost of funding earning assets | 0.7378% | 3,702 |
| Net interest margin | 3.9655% | 2,654 |
| Noninterest income to average assets | 8.1753% | 88 |
| Noninterest expense to average assets | 11.0795% | 69 |
| Loan and lease loss provision to assets | -0.1705% | 7,143 |
| Net operating income to assets | 0.9161% | 2,831 |
| Return on assets (ROA) | 0.9161% | 3,093 |
| Pretax return on assets | 0.9161% | 4,017 |
| Return on Equity (ROE) | 9.2200% | 2,706 |
| Retained earnings to average equity (ytd only) | 9.2200% | 1,204 |
| Net charge-offs to loans | -0.0390% | 6,601 |
| Credit loss provision to net charge-offs | 655.5556% | 487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6950% | 822 |
| Assets per employee ($millions) | 0.9504% | 7,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 6,499 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 2.7980% | 1,970 |
| Noncurrent loans to loans | 2.6519% | 2,266 |
| Net loans and leases to total assets | 68.2959% | 2,237 |
| Net loans and leases to deposits | 77.3273% | 2,780 |
| Net loans and leases to core deposits | 78.6135% | 3,430 |
| Total domestic deposits to total assets | 88.3205% | 1,947 |
| Equity capital to assets | 10.5058% | 3,684 |
| Core capital (leverage) ratio | 10.0550% | 3,347 |
| Tier 1 risk-based capital ratio | 14.2424% | 4,273 |
| Total risk-based capital ratio | 15.1200% | 4,518 |
| Memoranda: | ||
| Average total assets | $69,208,670 | 5,753 |
| Average earning assets | $63,699,000 | 5,713 |
| Average equity | $6,876,330 | 5,884 |
| Average total loans | $46,136,000 | 5,337 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8047% | 2,620 |
| Cost of funding earning assets | 0.7822% | 3,611 |
| Net interest margin | 4.0226% | 2,408 |
| Noninterest income to average assets | 8.9162% | 76 |
| Noninterest expense to average assets | 11.1995% | 68 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4156% | 1,191 |
| Return on assets (ROA) | 1.4156% | 1,337 |
| Pretax return on assets | 1.4156% | 2,136 |
| Return on Equity (ROE) | 14.6529% | 1,049 |
| Retained earnings to average equity (ytd only) | 14.6529% | 487 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7783% | 1,202 |
| Assets per employee ($millions) | 1.1248% | 7,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 6,142 |
| Loan loss allowance to noncurrent loans | 51.1086% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 2.4146% | 2,448 |
| Noncurrent loans to loans | 2.0207% | 3,128 |
| Net loans and leases to total assets | 62.3426% | 3,183 |
| Net loans and leases to deposits | 74.8378% | 2,994 |
| Net loans and leases to core deposits | 76.7437% | 3,516 |
| Total domestic deposits to total assets | 83.3037% | 4,812 |
| Equity capital to assets | 9.7121% | 4,504 |
| Core capital (leverage) ratio | 9.5591% | 3,972 |
| Tier 1 risk-based capital ratio | 14.1960% | 4,322 |
| Total risk-based capital ratio | 15.1900% | 4,479 |
| Memoranda: | ||
| Average total assets | $70,074,500 | 5,773 |
| Average earning assets | $64,436,500 | 5,742 |
| Average equity | $6,770,000 | 5,938 |
| Average total loans | $45,956,500 | 5,379 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9900% | 2,923 |
| Cost of funding earning assets | 1.1235% | 2,516 |
| Net interest margin | 3.8666% | 3,483 |
| Noninterest income to average assets | 6.4825% | 98 |
| Noninterest expense to average assets | 9.7957% | 77 |
| Loan and lease loss provision to assets | 0.3038% | 3,237 |
| Net operating income to assets | -0.0490% | 6,106 |
| Return on assets (ROA) | 0.0331% | 6,101 |
| Pretax return on assets | 0.0331% | 6,069 |
| Return on Equity (ROE) | 0.3656% | 6,092 |
| Retained earnings to average equity (ytd only) | 0.3656% | 5,666 |
| Net charge-offs to loans | 0.5653% | 2,762 |
| Credit loss provision to net charge-offs | 92.5439% | 3,894 |
| Earnings coverage of net charge-offs (x) | 0.7763% | 5,216 |
| Efficiency ratio | 97.4642% | 754 |
| Assets per employee ($millions) | 1.1548% | 7,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 6,322 |
| Loan loss allowance to noncurrent loans | 22.8218% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 3.9934% | 1,437 |
| Noncurrent loans to loans | 4.2728% | 1,429 |
| Net loans and leases to total assets | 67.5648% | 2,478 |
| Net loans and leases to deposits | 82.4934% | 2,132 |
| Net loans and leases to core deposits | 84.6809% | 2,787 |
| Total domestic deposits to total assets | 81.9033% | 5,164 |
| Equity capital to assets | 9.6090% | 4,732 |
| Core capital (leverage) ratio | 9.8290% | 3,547 |
| Tier 1 risk-based capital ratio | 14.4109% | 4,038 |
| Total risk-based capital ratio | 15.4578% | 4,128 |
| Memoranda: | ||
| Average total assets | $69,449,000 | 5,757 |
| Average earning assets | $64,087,600 | 5,730 |
| Average equity | $6,290,800 | 6,077 |
| Average total loans | $40,330,600 | 5,676 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9254% | 3,453 |
| Cost of funding earning assets | 1.2007% | 2,312 |
| Net interest margin | 3.7247% | 4,230 |
| Noninterest income to average assets | 5.1326% | 122 |
| Noninterest expense to average assets | 9.1677% | 85 |
| Loan and lease loss provision to assets | 0.3454% | 2,807 |
| Net operating income to assets | -0.9402% | 6,862 |
| Return on assets (ROA) | -0.8308% | 6,847 |
| Pretax return on assets | -0.8308% | 6,799 |
| Return on Equity (ROE) | -9.3131% | 6,872 |
| Retained earnings to average equity (ytd only) | -9.3131% | 6,833 |
| Net charge-offs to loans | 0.7220% | 2,107 |
| Credit loss provision to net charge-offs | 86.1244% | 3,920 |
| Earnings coverage of net charge-offs (x) | -1.4832% | 5,983 |
| Efficiency ratio | 106.9382% | 487 |
| Assets per employee ($millions) | 0.9901% | 7,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 5,867 |
| Loan loss allowance to noncurrent loans | 24.0622% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 4.0296% | 1,524 |
| Noncurrent loans to loans | 4.5963% | 1,405 |
| Net loans and leases to total assets | 60.5255% | 4,039 |
| Net loans and leases to deposits | 73.9256% | 3,667 |
| Net loans and leases to core deposits | 75.9765% | 4,197 |
| Total domestic deposits to total assets | 81.8735% | 5,141 |
| Equity capital to assets | 9.6421% | 4,868 |
| Core capital (leverage) ratio | 9.1857% | 4,648 |
| Tier 1 risk-based capital ratio | 14.0661% | 4,305 |
| Total risk-based capital ratio | 15.1371% | 4,390 |
| Memoranda: | ||
| Average total assets | $69,489,000 | 5,795 |
| Average earning assets | $64,182,250 | 5,769 |
| Average equity | $6,199,000 | 6,153 |
| Average total loans | $38,594,250 | 5,809 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9087% | 3,578 |
| Cost of funding earning assets | 1.2616% | 2,172 |
| Net interest margin | 3.6471% | 4,532 |
| Noninterest income to average assets | 4.5109% | 149 |
| Noninterest expense to average assets | 8.9480% | 92 |
| Loan and lease loss provision to assets | 0.5103% | 1,920 |
| Net operating income to assets | -1.5707% | 7,116 |
| Return on assets (ROA) | -1.5707% | 7,129 |
| Pretax return on assets | -1.5707% | 7,091 |
| Return on Equity (ROE) | -18.0652% | 7,128 |
| Retained earnings to average equity (ytd only) | -18.0652% | 7,109 |
| Net charge-offs to loans | 0.9808% | 1,604 |
| Credit loss provision to net charge-offs | 96.7742% | 3,255 |
| Earnings coverage of net charge-offs (x) | -2.0108% | 5,714 |
| Efficiency ratio | 113.4436% | 418 |
| Assets per employee ($millions) | 1.1822% | 7,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 4,679 |
| Loan loss allowance to noncurrent loans | 26.7422% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 3.5305% | 1,860 |
| Noncurrent loans to loans | 5.1574% | 1,251 |
| Net loans and leases to total assets | 50.0868% | 5,805 |
| Net loans and leases to deposits | 57.4818% | 5,996 |
| Net loans and leases to core deposits | 59.2175% | 6,168 |
| Total domestic deposits to total assets | 87.1351% | 2,663 |
| Equity capital to assets | 8.8670% | 5,747 |
| Core capital (leverage) ratio | 8.3826% | 5,736 |
| Tier 1 risk-based capital ratio | 15.5783% | 3,200 |
| Total risk-based capital ratio | 16.8276% | 3,155 |
| Memoranda: | ||
| Average total assets | $70,540,670 | 5,812 |
| Average earning assets | $65,312,670 | 5,779 |
| Average equity | $6,133,330 | 6,199 |
| Average total loans | $37,926,330 | 5,895 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9786% | 3,199 |
| Cost of funding earning assets | 1.3045% | 2,151 |
| Net interest margin | 3.6741% | 4,231 |
| Noninterest income to average assets | 4.4538% | 148 |
| Noninterest expense to average assets | 8.5748% | 96 |
| Loan and lease loss provision to assets | 0.9984% | 771 |
| Net operating income to assets | -1.7138% | 7,240 |
| Return on assets (ROA) | -1.7138% | 7,243 |
| Pretax return on assets | -1.7138% | 7,213 |
| Return on Equity (ROE) | -19.8954% | 7,218 |
| Retained earnings to average equity (ytd only) | -19.8954% | 7,154 |
| Net charge-offs to loans | 1.8905% | 680 |
| Credit loss provision to net charge-offs | 95.7447% | 2,833 |
| Earnings coverage of net charge-offs (x) | -0.6862% | 4,846 |
| Efficiency ratio | 109.1037% | 522 |
| Assets per employee ($millions) | 1.5039% | 7,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 4,715 |
| Loan loss allowance to noncurrent loans | 32.5694% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 2.7180% | 2,535 |
| Noncurrent loans to loans | 4.2664% | 1,671 |
| Net loans and leases to total assets | 46.1073% | 6,278 |
| Net loans and leases to deposits | 52.3696% | 6,448 |
| Net loans and leases to core deposits | 53.8177% | 6,567 |
| Total domestic deposits to total assets | 88.0420% | 2,350 |
| Equity capital to assets | 8.3867% | 6,067 |
| Core capital (leverage) ratio | 8.2321% | 5,933 |
| Tier 1 risk-based capital ratio | 16.7303% | 2,575 |
| Total risk-based capital ratio | 17.9810% | 2,544 |
| Memoranda: | ||
| Average total assets | $72,118,500 | 5,812 |
| Average earning assets | $66,845,500 | 5,772 |
| Average equity | $6,212,500 | 6,176 |
| Average total loans | $39,778,000 | 5,861 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1988% | 563 |
| Cost of funding earning assets | 1.6149% | 1,980 |
| Net interest margin | 4.5839% | 1,039 |
| Noninterest income to average assets | 7.7553% | 86 |
| Noninterest expense to average assets | 10.1442% | 76 |
| Loan and lease loss provision to assets | 1.0339% | 1,563 |
| Net operating income to assets | 0.8891% | 2,430 |
| Return on assets (ROA) | 1.0904% | 1,810 |
| Pretax return on assets | 1.0904% | 2,604 |
| Return on Equity (ROE) | 14.6292% | 769 |
| Retained earnings to average equity (ytd only) | 14.6292% | 137 |
| Net charge-offs to loans | 1.5040% | 1,464 |
| Credit loss provision to net charge-offs | 109.1703% | 4,041 |
| Earnings coverage of net charge-offs (x) | 2.0306% | 4,210 |
| Efficiency ratio | 84.0644% | 1,914 |
| Assets per employee ($millions) | 1.0293% | 7,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 6,180 |
| Loan loss allowance to noncurrent loans | 31.8242% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 2.8091% | 2,496 |
| Noncurrent loans to loans | 3.2792% | 2,314 |
| Net loans and leases to total assets | 62.9082% | 4,091 |
| Net loans and leases to deposits | 71.9895% | 4,520 |
| Net loans and leases to core deposits | 74.3695% | 4,934 |
| Total domestic deposits to total assets | 87.3853% | 2,620 |
| Equity capital to assets | 8.8423% | 5,371 |
| Core capital (leverage) ratio | 8.5044% | 5,353 |
| Tier 1 risk-based capital ratio | 14.8610% | 3,327 |
| Total risk-based capital ratio | 15.9865% | 3,365 |
| Memoranda: | ||
| Average total assets | $72,543,800 | 5,798 |
| Average earning assets | $68,238,800 | 5,724 |
| Average equity | $5,407,000 | 6,536 |
| Average total loans | $45,679,200 | 5,670 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2774% | 532 |
| Cost of funding earning assets | 1.6496% | 2,108 |
| Net interest margin | 4.6278% | 982 |
| Noninterest income to average assets | 6.3833% | 109 |
| Noninterest expense to average assets | 9.1465% | 89 |
| Loan and lease loss provision to assets | 0.8055% | 1,886 |
| Net operating income to assets | 0.7963% | 3,015 |
| Return on assets (ROA) | 1.0642% | 2,135 |
| Pretax return on assets | 1.0642% | 2,955 |
| Return on Equity (ROE) | 14.9692% | 864 |
| Retained earnings to average equity (ytd only) | 14.9692% | 213 |
| Net charge-offs to loans | 0.6105% | 2,911 |
| Credit loss provision to net charge-offs | 210.0478% | 1,673 |
| Earnings coverage of net charge-offs (x) | 4.1770% | 3,160 |
| Efficiency ratio | 85.0973% | 1,721 |
| Assets per employee ($millions) | 1.1419% | 7,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 5,287 |
| Loan loss allowance to noncurrent loans | 32.8411% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 3.3966% | 2,095 |
| Noncurrent loans to loans | 3.7750% | 2,045 |
| Net loans and leases to total assets | 69.2261% | 2,924 |
| Net loans and leases to deposits | 83.0145% | 2,908 |
| Net loans and leases to core deposits | 85.6350% | 3,710 |
| Total domestic deposits to total assets | 83.3904% | 4,420 |
| Equity capital to assets | 8.3021% | 6,506 |
| Core capital (leverage) ratio | 8.6952% | 5,196 |
| Tier 1 risk-based capital ratio | 13.1522% | 4,455 |
| Total risk-based capital ratio | 14.3962% | 4,445 |
| Memoranda: | ||
| Average total assets | $72,667,000 | 5,861 |
| Average earning assets | $68,540,500 | 5,783 |
| Average equity | $5,166,000 | 6,694 |
| Average total loans | $45,648,000 | 5,756 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4762% | 352 |
| Cost of funding earning assets | 1.7315% | 1,958 |
| Net interest margin | 4.7447% | 730 |
| Noninterest income to average assets | 5.3944% | 128 |
| Noninterest expense to average assets | 8.8817% | 100 |
| Loan and lease loss provision to assets | 0.8593% | 1,693 |
| Net operating income to assets | 0.1275% | 5,790 |
| Return on assets (ROA) | 0.5322% | 4,337 |
| Pretax return on assets | 0.5322% | 4,803 |
| Return on Equity (ROE) | 7.9437% | 2,905 |
| Retained earnings to average equity (ytd only) | 7.9437% | 1,459 |
| Net charge-offs to loans | 0.8272% | 2,184 |
| Credit loss provision to net charge-offs | 172.2222% | 2,264 |
| Earnings coverage of net charge-offs (x) | 1.9778% | 4,041 |
| Efficiency ratio | 90.0000% | 1,332 |
| Assets per employee ($millions) | 1.0285% | 7,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 5,086 |
| Loan loss allowance to noncurrent loans | 35.1840% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 3.1025% | 2,285 |
| Noncurrent loans to loans | 3.6059% | 2,186 |
| Net loans and leases to total assets | 62.4799% | 4,587 |
| Net loans and leases to deposits | 71.1050% | 5,130 |
| Net loans and leases to core deposits | 73.3454% | 5,516 |
| Total domestic deposits to total assets | 87.8699% | 2,070 |
| Equity capital to assets | 8.2674% | 6,464 |
| Core capital (leverage) ratio | 8.3685% | 5,635 |
| Tier 1 risk-based capital ratio | 13.5600% | 4,036 |
| Total risk-based capital ratio | 14.8103% | 3,999 |
| Memoranda: | ||
| Average total assets | $72,148,670 | 5,914 |
| Average earning assets | $68,033,330 | 5,829 |
| Average equity | $4,834,000 | 6,832 |
| Average total loans | $43,522,000 | 5,886 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7125% | 258 |
| Cost of funding earning assets | 1.7437% | 2,159 |
| Net interest margin | 4.9688% | 442 |
| Noninterest income to average assets | 4.6794% | 148 |
| Noninterest expense to average assets | 8.6588% | 104 |
| Loan and lease loss provision to assets | 0.4039% | 2,944 |
| Net operating income to assets | 0.3123% | 5,244 |
| Return on assets (ROA) | 0.4900% | 4,576 |
| Pretax return on assets | 0.4900% | 4,998 |
| Return on Equity (ROE) | 8.1890% | 2,789 |
| Retained earnings to average equity (ytd only) | 8.1890% | 1,626 |
| Net charge-offs to loans | 0.0091% | 5,469 |
| Credit loss provision to net charge-offs | 7,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 248 |
| Efficiency ratio | 92.3607% | 1,251 |
| Assets per employee ($millions) | 1.3091% | 7,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 5,602 |
| Loan loss allowance to noncurrent loans | 146.9880% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 1.3208% | 4,551 |
| Noncurrent loans to loans | 0.8031% | 5,707 |
| Net loans and leases to total assets | 56.7403% | 5,647 |
| Net loans and leases to deposits | 63.0944% | 6,159 |
| Net loans and leases to core deposits | 65.8388% | 6,296 |
| Total domestic deposits to total assets | 89.9292% | 1,023 |
| Equity capital to assets | 6.2444% | 7,584 |
| Core capital (leverage) ratio | 6.4835% | 7,474 |
| Tier 1 risk-based capital ratio | 10.7836% | 6,360 |
| Total risk-based capital ratio | 11.8883% | 6,492 |
| Memoranda: | ||
| Average total assets | $74,282,500 | 5,930 |
| Average earning assets | $70,197,500 | 5,841 |
| Average equity | $4,445,000 | 7,020 |
| Average total loans | $43,804,500 | 5,944 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6393% | 112 |
| Cost of funding earning assets | 2.5739% | 843 |
| Net interest margin | 5.0653% | 398 |
| Noninterest income to average assets | 2.8994% | 235 |
| Noninterest expense to average assets | 6.9897% | 208 |
| Loan and lease loss provision to assets | 0.4682% | 4,018 |
| Net operating income to assets | 0.1870% | 4,936 |
| Return on assets (ROA) | 0.2222% | 4,895 |
| Pretax return on assets | 0.2222% | 4,954 |
| Return on Equity (ROE) | 3.7576% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.7576% | 2,563 |
| Net charge-offs to loans | 1.1696% | 2,093 |
| Credit loss provision to net charge-offs | 69.2308% | 6,504 |
| Earnings coverage of net charge-offs (x) | 0.9688% | 5,148 |
| Efficiency ratio | 91.4291% | 1,608 |
| Assets per employee ($millions) | 1.3432% | 7,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 6,825 |
| Loan loss allowance to noncurrent loans | 332.0000% | 963 |
| Noncurrent assets plus other real estate owned to assets | 1.0174% | 5,077 |
| Noncurrent loans to loans | 0.2702% | 6,752 |
| Net loans and leases to total assets | 59.8877% | 5,360 |
| Net loans and leases to deposits | 65.8874% | 6,063 |
| Net loans and leases to core deposits | 88.9193% | 5,233 |
| Total domestic deposits to total assets | 90.8940% | 573 |
| Equity capital to assets | 5.7389% | 7,701 |
| Core capital (leverage) ratio | 6.2161% | 7,583 |
| Tier 1 risk-based capital ratio | 9.9374% | 6,930 |
| Total risk-based capital ratio | 10.8246% | 7,164 |
| Memoranda: | ||
| Average total assets | $71,119,200 | 5,969 |
| Average earning assets | $66,629,400 | 5,909 |
| Average equity | $4,204,800 | 7,209 |
| Average total loans | $41,123,800 | 6,052 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7054% | 108 |
| Cost of funding earning assets | 2.7560% | 674 |
| Net interest margin | 4.9494% | 498 |
| Noninterest income to average assets | 2.4771% | 269 |
| Noninterest expense to average assets | 6.4278% | 255 |
| Loan and lease loss provision to assets | 0.3937% | 3,952 |
| Net operating income to assets | 0.2791% | 4,866 |
| Return on assets (ROA) | 0.3268% | 4,800 |
| Pretax return on assets | 0.3268% | 4,988 |
| Return on Equity (ROE) | 5.4838% | 3,748 |
| Retained earnings to average equity (ytd only) | 5.4838% | 2,214 |
| Net charge-offs to loans | 0.8702% | 2,230 |
| Credit loss provision to net charge-offs | 79.2308% | 5,787 |
| Earnings coverage of net charge-offs (x) | 1.3538% | 4,767 |
| Efficiency ratio | 90.5249% | 1,642 |
| Assets per employee ($millions) | 1.3896% | 8,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 4,779 |
| Loan loss allowance to noncurrent loans | 42.1009% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 2.6287% | 2,648 |
| Noncurrent loans to loans | 2.9863% | 2,530 |
| Net loans and leases to total assets | 56.4059% | 6,098 |
| Net loans and leases to deposits | 66.2754% | 6,283 |
| Net loans and leases to core deposits | 105.7314% | 3,732 |
| Total domestic deposits to total assets | 85.1084% | 3,169 |
| Equity capital to assets | 6.4567% | 7,773 |
| Core capital (leverage) ratio | 6.5664% | 7,643 |
| Tier 1 risk-based capital ratio | 10.3044% | 6,675 |
| Total risk-based capital ratio | 11.4294% | 6,744 |
| Memoranda: | ||
| Average total assets | $69,757,750 | 6,049 |
| Average earning assets | $65,164,500 | 5,996 |
| Average equity | $4,157,500 | 7,298 |
| Average total loans | $39,837,750 | 6,164 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8404% | 105 |
| Cost of funding earning assets | 2.9827% | 498 |
| Net interest margin | 4.8577% | 590 |
| Noninterest income to average assets | 2.7902% | 232 |
| Noninterest expense to average assets | 6.3528% | 287 |
| Loan and lease loss provision to assets | 0.2018% | 5,036 |
| Net operating income to assets | 0.7610% | 3,006 |
| Return on assets (ROA) | 0.8330% | 2,816 |
| Pretax return on assets | 0.8330% | 3,561 |
| Return on Equity (ROE) | 14.3853% | 927 |
| Retained earnings to average equity (ytd only) | 14.3853% | 236 |
| Net charge-offs to loans | 1.0903% | 1,664 |
| Credit loss provision to net charge-offs | 32.4074% | 5,999 |
| Earnings coverage of net charge-offs (x) | 1.5463% | 4,379 |
| Efficiency ratio | 86.8400% | 2,138 |
| Assets per employee ($millions) | 2.8575% | 6,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 6,027 |
| Loan loss allowance to noncurrent loans | 41.7417% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 2.3139% | 2,812 |
| Noncurrent loans to loans | 2.4651% | 2,934 |
| Net loans and leases to total assets | 56.1452% | 6,188 |
| Net loans and leases to deposits | 65.4392% | 6,441 |
| Net loans and leases to core deposits | 104.2144% | 4,040 |
| Total domestic deposits to total assets | 85.7975% | 2,883 |
| Equity capital to assets | 6.4895% | 7,823 |
| Core capital (leverage) ratio | 6.2517% | 7,870 |
| Tier 1 risk-based capital ratio | 10.5614% | 6,324 |
| Total risk-based capital ratio | 11.4989% | 6,580 |
| Memoranda: | ||
| Average total assets | $69,386,330 | 6,099 |
| Average earning assets | $64,639,330 | 6,057 |
| Average equity | $4,018,000 | 7,406 |
| Average total loans | $39,622,000 | 6,219 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5611% | 156 |
| Cost of funding earning assets | 3.1710% | 372 |
| Net interest margin | 4.3901% | 1,371 |
| Noninterest income to average assets | 1.6676% | 490 |
| Noninterest expense to average assets | 5.7109% | 333 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0234% | 6,196 |
| Return on assets (ROA) | 0.0234% | 6,355 |
| Pretax return on assets | 0.0234% | 6,335 |
| Return on Equity (ROE) | 0.4314% | 6,296 |
| Retained earnings to average equity (ytd only) | 0.4314% | 5,486 |
| Net charge-offs to loans | 1.7462% | 831 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.0234% | 4,959 |
| Efficiency ratio | 99.5918% | 1,148 |
| Assets per employee ($millions) | 2.8391% | 6,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 6,086 |
| Loan loss allowance to noncurrent loans | 26.5044% | 6,808 |
| Noncurrent assets plus other real estate owned to assets | 2.0036% | 2,899 |
| Noncurrent loans to loans | 3.8266% | 1,605 |
| Net loans and leases to total assets | 51.8289% | 6,704 |
| Net loans and leases to deposits | 59.4161% | 6,938 |
| Net loans and leases to core deposits | 85.1559% | 5,969 |
| Total domestic deposits to total assets | 87.2304% | 2,105 |
| Equity capital to assets | 5.5571% | 8,066 |
| Core capital (leverage) ratio | 5.8012% | 8,034 |
| Tier 1 risk-based capital ratio | 9.3996% | 7,510 |
| Total risk-based capital ratio | 10.2935% | 7,792 |
| Memoranda: | ||
| Average total assets | $68,360,500 | 6,167 |
| Average earning assets | $63,324,500 | 6,134 |
| Average equity | $3,709,000 | 7,553 |
| Average total loans | $39,170,000 | 6,269 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9015% | 6,026 |
| Cost of funding earning assets | 3.7439% | 234 |
| Net interest margin | 2.1576% | 7,983 |
| Noninterest income to average assets | 1.0346% | 1,471 |
| Noninterest expense to average assets | 8.7553% | 188 |
| Loan and lease loss provision to assets | 1.3737% | 1,014 |
| Net operating income to assets | -7.1326% | 8,200 |
| Return on assets (ROA) | -7.1262% | 8,194 |
| Pretax return on assets | -7.1262% | 8,168 |
| Return on Equity (ROE) | -109.2608% | 8,285 |
| Retained earnings to average equity (ytd only) | -109.2608% | 8,281 |
| Net charge-offs to loans | 1.3044% | 916 |
| Credit loss provision to net charge-offs | 181.8182% | 2,751 |
| Earnings coverage of net charge-offs (x) | -7.6222% | 6,874 |
| Efficiency ratio | 292.1920% | 109 |
| Assets per employee ($millions) | 2.6210% | 6,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 3,095 |
| Loan loss allowance to noncurrent loans | 41.8899% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 2.1366% | 2,300 |
| Noncurrent loans to loans | 3.3862% | 1,518 |
| Net loans and leases to total assets | 62.2001% | 5,593 |
| Net loans and leases to deposits | 68.4589% | 6,420 |
| Net loans and leases to core deposits | 85.5422% | 6,167 |
| Total domestic deposits to total assets | 90.8576% | 368 |
| Equity capital to assets | 5.2714% | 8,155 |
| Core capital (leverage) ratio | 6.0709% | 8,057 |
| Tier 1 risk-based capital ratio | 8.0352% | 8,081 |
| Total risk-based capital ratio | 9.2874% | 8,113 |
| Memoranda: | ||
| Average total assets | $46,588,800 | 6,914 |
| Average earning assets | $42,362,400 | 6,933 |
| Average equity | $3,038,600 | 7,826 |
| Average total loans | $26,985,600 | 6,896 |