Home > First Community Bank of the Ozarks > Performance and Condition Ratios
First Community Bank of the Ozarks, 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 | 4.9846% | 2,101 |
| Cost of funding earning assets | 2.3592% | 491 |
| Net interest margin | 2.6254% | 3,935 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.3853% | 2,633 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.5371% | 3,594 |
| Return on assets (ROA) | 0.5033% | 3,661 |
| Pretax return on assets | 0.5033% | 3,801 |
| Return on Equity (ROE) | 9.0000% | 2,757 |
| Retained earnings to average equity (ytd only) | 8.9968% | 1,258 |
| Net charge-offs to loans | -0.0162% | 4,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.0476% | 846 |
| Assets per employee ($millions) | 5.4677% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 3,213 |
| Loan loss allowance to noncurrent loans | 3,320.5128% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,573 |
| Noncurrent loans to loans | 0.0307% | 3,518 |
| Net loans and leases to total assets | 71.8400% | 1,600 |
| Net loans and leases to deposits | 90.9114% | 1,189 |
| Net loans and leases to core deposits | 93.1205% | 1,833 |
| Total domestic deposits to total assets | 79.0200% | 3,609 |
| Equity capital to assets | 5.6463% | 4,310 |
| Core capital (leverage) ratio | 8.3994% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7378% | 2,328 |
| Memoranda: | ||
| Average total assets | $156,753,600 | 3,305 |
| Average earning assets | $147,594,000 | 3,269 |
| Average equity | $8,769,800 | 3,843 |
| Average total loans | $111,234,600 | 3,041 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8284% | 2,209 |
| Cost of funding earning assets | 2.2083% | 491 |
| Net interest margin | 2.6200% | 4,002 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.4476% | 2,380 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5133% | 3,736 |
| Return on assets (ROA) | 0.4669% | 3,833 |
| Pretax return on assets | 0.4669% | 3,963 |
| Return on Equity (ROE) | 8.3700% | 3,098 |
| Retained earnings to average equity (ytd only) | 8.3680% | 1,849 |
| Net charge-offs to loans | -0.0162% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.9412% | 735 |
| Assets per employee ($millions) | 4.9883% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 2,752 |
| Loan loss allowance to noncurrent loans | 3,146.3415% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 3,554 |
| Noncurrent loans to loans | 0.0357% | 3,510 |
| Net loans and leases to total assets | 71.2400% | 1,663 |
| Net loans and leases to deposits | 90.1575% | 1,229 |
| Net loans and leases to core deposits | 91.7062% | 1,814 |
| Total domestic deposits to total assets | 79.0100% | 3,696 |
| Equity capital to assets | 5.1208% | 4,229 |
| Core capital (leverage) ratio | 8.7426% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7569% | 1,985 |
| Memoranda: | ||
| Average total assets | $152,200,750 | 3,350 |
| Average earning assets | $143,150,250 | 3,318 |
| Average equity | $8,492,500 | 3,885 |
| Average total loans | $107,295,750 | 3,101 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6876% | 2,236 |
| Cost of funding earning assets | 2.0353% | 459 |
| Net interest margin | 2.6522% | 4,034 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.4231% | 2,423 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6385% | 3,489 |
| Return on assets (ROA) | 0.5677% | 3,669 |
| Pretax return on assets | 0.5677% | 3,853 |
| Return on Equity (ROE) | 9.8900% | 2,734 |
| Retained earnings to average equity (ytd only) | 9.8853% | 1,434 |
| Net charge-offs to loans | -0.0191% | 4,111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.2439% | 983 |
| Assets per employee ($millions) | 4.9963% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,444 |
| Loan loss allowance to noncurrent loans | 3,061.9048% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 3,505 |
| Noncurrent loans to loans | 0.0392% | 3,450 |
| Net loans and leases to total assets | 70.6600% | 1,670 |
| Net loans and leases to deposits | 91.0289% | 1,109 |
| Net loans and leases to core deposits | 92.3086% | 1,664 |
| Total domestic deposits to total assets | 77.6300% | 3,885 |
| Equity capital to assets | 5.7856% | 4,204 |
| Core capital (leverage) ratio | 9.1735% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4578% | 1,737 |
| Memoranda: | ||
| Average total assets | $149,726,333 | 3,383 |
| Average earning assets | $140,713,000 | 3,359 |
| Average equity | $8,598,667 | 3,891 |
| Average total loans | $104,727,000 | 3,123 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5462% | 2,204 |
| Cost of funding earning assets | 1.6992% | 577 |
| Net interest margin | 2.8471% | 3,873 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.4700% | 2,323 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.4999% | 3,900 |
| Return on assets (ROA) | 0.3582% | 4,111 |
| Pretax return on assets | 0.3582% | 4,195 |
| Return on Equity (ROE) | 6.2600% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.2602% | 2,693 |
| Net charge-offs to loans | -0.0193% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.4324% | 742 |
| Assets per employee ($millions) | 5.6652% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,407 |
| Loan loss allowance to noncurrent loans | 2,945.4545% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 3,479 |
| Noncurrent loans to loans | 0.0417% | 3,439 |
| Net loans and leases to total assets | 70.7800% | 1,548 |
| Net loans and leases to deposits | 93.2059% | 834 |
| Net loans and leases to core deposits | 94.3472% | 1,372 |
| Total domestic deposits to total assets | 75.9300% | 4,163 |
| Equity capital to assets | 5.8706% | 4,246 |
| Core capital (leverage) ratio | 8.8974% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1665% | 1,921 |
| Memoranda: | ||
| Average total assets | $149,638,000 | 3,431 |
| Average earning assets | $140,776,000 | 3,401 |
| Average equity | $8,562,000 | 3,941 |
| Average total loans | $103,490,500 | 3,168 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1703% | 1,309 |
| Cost of funding earning assets | 0.7677% | 436 |
| Net interest margin | 3.4026% | 2,250 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.4571% | 2,250 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.9992% | 2,568 |
| Return on assets (ROA) | 0.9992% | 2,521 |
| Pretax return on assets | 0.9992% | 3,079 |
| Return on Equity (ROE) | 14.3400% | 1,451 |
| Retained earnings to average equity (ytd only) | -11.8985% | 4,649 |
| Net charge-offs to loans | 0.0041% | 2,304 |
| Credit loss provision to net charge-offs | 3,000.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 395.5000% | 389 |
| Efficiency ratio | 69.2486% | 1,793 |
| Assets per employee ($millions) | 5.0661% | 3,622 |
| Cash dividends to net income (ytd only)* | 182.9685% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 2,629 |
| Loan loss allowance to noncurrent loans | 2,543.4783% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,511 |
| Noncurrent loans to loans | 0.0453% | 3,429 |
| Net loans and leases to total assets | 65.9700% | 2,046 |
| Net loans and leases to deposits | 77.0248% | 2,034 |
| Net loans and leases to core deposits | 77.5298% | 2,314 |
| Total domestic deposits to total assets | 85.6500% | 2,817 |
| Equity capital to assets | 5.5776% | 4,218 |
| Core capital (leverage) ratio | 9.1926% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2525% | 1,872 |
| Memoranda: | ||
| Average total assets | $146,312,800 | 3,478 |
| Average earning assets | $137,041,000 | 3,449 |
| Average equity | $10,194,600 | 3,847 |
| Average total loans | $97,721,600 | 3,182 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1187% | 1,034 |
| Cost of funding earning assets | 0.5700% | 516 |
| Net interest margin | 3.5487% | 1,526 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.4560% | 2,143 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1346% | 1,956 |
| Return on assets (ROA) | 1.1346% | 1,925 |
| Pretax return on assets | 1.1346% | 2,614 |
| Return on Equity (ROE) | 15.4700% | 1,085 |
| Retained earnings to average equity (ytd only) | -18.0969% | 4,724 |
| Net charge-offs to loans | 0.0055% | 1,969 |
| Credit loss provision to net charge-offs | 2,250.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 330.7500% | 440 |
| Efficiency ratio | 66.6583% | 2,199 |
| Assets per employee ($millions) | 4.9243% | 3,744 |
| Cash dividends to net income (ytd only)* | 216.9505% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 2,807 |
| Loan loss allowance to noncurrent loans | 2,377.0833% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 3,582 |
| Noncurrent loans to loans | 0.0483% | 3,531 |
| Net loans and leases to total assets | 68.8400% | 1,578 |
| Net loans and leases to deposits | 80.2511% | 1,561 |
| Net loans and leases to core deposits | 80.8098% | 1,844 |
| Total domestic deposits to total assets | 85.7800% | 3,117 |
| Equity capital to assets | 5.2358% | 4,217 |
| Core capital (leverage) ratio | 8.8740% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3827% | 1,910 |
| Memoranda: | ||
| Average total assets | $144,895,500 | 3,514 |
| Average earning assets | $135,445,250 | 3,493 |
| Average equity | $10,624,000 | 3,847 |
| Average total loans | $96,792,750 | 3,209 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 916 |
| Cost of funding earning assets | 0.4291% | 765 |
| Net interest margin | 3.5830% | 1,098 |
| Noninterest income to average assets | 0.3901% | 2,819 |
| Noninterest expense to average assets | 2.4424% | 2,107 |
| Loan and lease loss provision to assets | 0.0824% | 1,194 |
| Net operating income to assets | 1.2034% | 1,417 |
| Return on assets (ROA) | 1.2034% | 1,401 |
| Pretax return on assets | 1.2034% | 2,070 |
| Return on Equity (ROE) | 15.0090% | 888 |
| Retained earnings to average equity (ytd only) | -26.4713% | 4,742 |
| Net charge-offs to loans | 0.0063% | 1,770 |
| Credit loss provision to net charge-offs | 2,000.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 312.0000% | 394 |
| Efficiency ratio | 65.3279% | 2,604 |
| Assets per employee ($millions) | 5.0536% | 3,630 |
| Cash dividends to net income (ytd only)* | 276.3699% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 2,874 |
| Loan loss allowance to noncurrent loans | 2,269.3878% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,225 |
| Noncurrent loans to loans | 0.0513% | 3,564 |
| Net loans and leases to total assets | 64.4274% | 1,858 |
| Net loans and leases to deposits | 74.2385% | 1,843 |
| Net loans and leases to core deposits | 74.8838% | 2,104 |
| Total domestic deposits to total assets | 86.7844% | 3,016 |
| Equity capital to assets | 5.5072% | 4,360 |
| Core capital (leverage) ratio | 9.0220% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4540% | 1,883 |
| Memoranda: | ||
| Average total assets | $145,592,000 | 3,544 |
| Average earning assets | $135,642,333 | 3,538 |
| Average equity | $11,673,000 | 3,817 |
| Average total loans | $95,906,667 | 3,241 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 744 |
| Cost of funding earning assets | 0.3821% | 975 |
| Net interest margin | 3.6376% | 835 |
| Noninterest income to average assets | -0.0717% | 4,781 |
| Noninterest expense to average assets | 2.4533% | 2,007 |
| Loan and lease loss provision to assets | 0.0827% | 993 |
| Net operating income to assets | 0.7773% | 2,739 |
| Return on assets (ROA) | 0.7773% | 2,734 |
| Pretax return on assets | 0.7773% | 3,182 |
| Return on Equity (ROE) | 8.3717% | 2,561 |
| Retained earnings to average equity (ytd only) | 6.0561% | 2,234 |
| Net charge-offs to loans | 0.0125% | 1,310 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 661 |
| Efficiency ratio | 73.7937% | 1,765 |
| Assets per employee ($millions) | 5.3848% | 3,408 |
| Cash dividends to net income (ytd only)* | 27.6596% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 3,331 |
| Loan loss allowance to noncurrent loans | 2,003.7037% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.9127% | 586 |
| Noncurrent loans to loans | 0.0548% | 3,591 |
| Net loans and leases to total assets | 67.0197% | 1,307 |
| Net loans and leases to deposits | 80.4651% | 1,108 |
| Net loans and leases to core deposits | 81.1986% | 1,405 |
| Total domestic deposits to total assets | 83.2905% | 3,905 |
| Equity capital to assets | 8.5198% | 3,139 |
| Core capital (leverage) ratio | 10.0996% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2903% | 2,081 |
| Memoranda: | ||
| Average total assets | $145,111,000 | 3,565 |
| Average earning assets | $135,034,000 | 3,566 |
| Average equity | $13,474,000 | 3,709 |
| Average total loans | $96,093,500 | 3,247 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 802 |
| Cost of funding earning assets | 0.4343% | 1,293 |
| Net interest margin | 3.9013% | 852 |
| Noninterest income to average assets | 0.5313% | 2,431 |
| Noninterest expense to average assets | 2.6058% | 1,853 |
| Loan and lease loss provision to assets | 0.0882% | 1,402 |
| Net operating income to assets | 1.4021% | 1,271 |
| Return on assets (ROA) | 1.4021% | 1,324 |
| Pretax return on assets | 1.4021% | 2,046 |
| Return on Equity (ROE) | 13.5260% | 1,300 |
| Retained earnings to average equity (ytd only) | 8.4289% | 1,380 |
| Net charge-offs to loans | -0.0168% | 3,918 |
| Credit loss provision to net charge-offs | -800.0000% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4374% | 2,654 |
| Assets per employee ($millions) | 4.9942% | 3,732 |
| Cash dividends to net income (ytd only)* | 37.6834% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 3,252 |
| Loan loss allowance to noncurrent loans | 2,026.9231% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 636 |
| Noncurrent loans to loans | 0.0555% | 3,682 |
| Net loans and leases to total assets | 63.9437% | 1,709 |
| Net loans and leases to deposits | 79.2339% | 1,278 |
| Net loans and leases to core deposits | 79.9805% | 1,594 |
| Total domestic deposits to total assets | 80.7025% | 4,142 |
| Equity capital to assets | 10.0537% | 2,606 |
| Core capital (leverage) ratio | 10.5480% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,081,600 | 3,619 |
| Average earning assets | $124,342,600 | 3,635 |
| Average equity | $14,106,200 | 3,733 |
| Average total loans | $89,486,400 | 3,341 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 801 |
| Cost of funding earning assets | 0.4546% | 1,322 |
| Net interest margin | 3.9519% | 862 |
| Noninterest income to average assets | 0.5875% | 2,265 |
| Noninterest expense to average assets | 2.6388% | 1,729 |
| Loan and lease loss provision to assets | 0.0896% | 1,334 |
| Net operating income to assets | 1.4598% | 1,362 |
| Return on assets (ROA) | 1.4598% | 1,420 |
| Pretax return on assets | 1.4598% | 2,112 |
| Return on Equity (ROE) | 13.9690% | 1,399 |
| Retained earnings to average equity (ytd only) | 9.5001% | 1,486 |
| Net charge-offs to loans | -0.0136% | 3,799 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8150% | 2,566 |
| Assets per employee ($millions) | 4.7823% | 3,899 |
| Cash dividends to net income (ytd only)* | 31.9918% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 3,080 |
| Loan loss allowance to noncurrent loans | 1,922.6415% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.9903% | 671 |
| Noncurrent loans to loans | 0.0613% | 3,793 |
| Net loans and leases to total assets | 63.7671% | 1,796 |
| Net loans and leases to deposits | 77.0917% | 1,564 |
| Net loans and leases to core deposits | 77.6596% | 1,913 |
| Total domestic deposits to total assets | 82.7158% | 3,774 |
| Equity capital to assets | 10.8691% | 2,108 |
| Core capital (leverage) ratio | 10.8114% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,894,000 | 3,680 |
| Average earning assets | $121,996,500 | 3,698 |
| Average equity | $13,992,500 | 3,791 |
| Average total loans | $88,441,750 | 3,404 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1771% | 1,222 |
| Cost of funding earning assets | 0.4825% | 1,305 |
| Net interest margin | 3.6946% | 1,363 |
| Noninterest income to average assets | 0.4825% | 2,703 |
| Noninterest expense to average assets | 2.6335% | 1,768 |
| Loan and lease loss provision to assets | 0.0896% | 1,387 |
| Net operating income to assets | 1.1338% | 2,420 |
| Return on assets (ROA) | 1.1338% | 2,485 |
| Pretax return on assets | 1.1338% | 3,105 |
| Return on Equity (ROE) | 10.9958% | 2,424 |
| Retained earnings to average equity (ytd only) | 7.3884% | 2,294 |
| Net charge-offs to loans | -0.0112% | 3,716 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0868% | 1,872 |
| Assets per employee ($millions) | 4.6912% | 3,939 |
| Cash dividends to net income (ytd only)* | 32.8063% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 3,293 |
| Loan loss allowance to noncurrent loans | 1,822.2222% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.9754% | 777 |
| Noncurrent loans to loans | 0.0620% | 3,873 |
| Net loans and leases to total assets | 63.3045% | 2,032 |
| Net loans and leases to deposits | 79.3334% | 1,483 |
| Net loans and leases to core deposits | 80.0576% | 1,884 |
| Total domestic deposits to total assets | 79.7955% | 4,256 |
| Equity capital to assets | 10.3092% | 2,568 |
| Core capital (leverage) ratio | 10.1982% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,891,000 | 3,695 |
| Average earning assets | $122,285,667 | 3,710 |
| Average equity | $13,805,333 | 3,810 |
| Average total loans | $89,120,667 | 3,415 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 1,684 |
| Cost of funding earning assets | 0.5022% | 1,382 |
| Net interest margin | 3.4555% | 1,944 |
| Noninterest income to average assets | 0.5301% | 2,480 |
| Noninterest expense to average assets | 2.5780% | 1,940 |
| Loan and lease loss provision to assets | 0.0904% | 1,468 |
| Net operating income to assets | 0.9909% | 2,836 |
| Return on assets (ROA) | 0.9909% | 2,933 |
| Pretax return on assets | 0.9909% | 3,396 |
| Return on Equity (ROE) | 9.6090% | 2,819 |
| Retained earnings to average equity (ytd only) | 6.3963% | 2,762 |
| Net charge-offs to loans | -0.0044% | 3,342 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2058% | 1,670 |
| Assets per employee ($millions) | 4.6554% | 3,978 |
| Cash dividends to net income (ytd only)* | 33.4347% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 3,669 |
| Loan loss allowance to noncurrent loans | 1,639.6552% | 440 |
| Noncurrent assets plus other real estate owned to assets | 1.0081% | 817 |
| Noncurrent loans to loans | 0.0638% | 3,969 |
| Net loans and leases to total assets | 66.6274% | 1,713 |
| Net loans and leases to deposits | 84.7164% | 1,076 |
| Net loans and leases to core deposits | 85.7092% | 1,545 |
| Total domestic deposits to total assets | 78.6476% | 4,367 |
| Equity capital to assets | 10.1299% | 2,578 |
| Core capital (leverage) ratio | 10.2945% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,814,500 | 3,709 |
| Average earning assets | $120,271,500 | 3,737 |
| Average equity | $13,695,500 | 3,825 |
| Average total loans | $90,128,000 | 3,409 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 1,405 |
| Cost of funding earning assets | 0.7209% | 1,612 |
| Net interest margin | 3.7416% | 1,663 |
| Noninterest income to average assets | 0.2859% | 3,775 |
| Noninterest expense to average assets | 2.8404% | 1,835 |
| Loan and lease loss provision to assets | 0.2704% | 1,426 |
| Net operating income to assets | 0.4834% | 4,062 |
| Return on assets (ROA) | 0.5440% | 4,018 |
| Pretax return on assets | 0.5440% | 4,191 |
| Return on Equity (ROE) | 5.0175% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.6497% | 3,011 |
| Net charge-offs to loans | 0.4536% | 364 |
| Credit loss provision to net charge-offs | 87.7660% | 2,943 |
| Earnings coverage of net charge-offs (x) | 2.4468% | 3,167 |
| Efficiency ratio | 78.5275% | 994 |
| Assets per employee ($millions) | 4.6651% | 3,747 |
| Cash dividends to net income (ytd only)* | 27.2590% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,760 |
| Loan loss allowance to noncurrent loans | 1,559.3220% | 470 |
| Noncurrent assets plus other real estate owned to assets | 1.0710% | 863 |
| Noncurrent loans to loans | 0.0660% | 4,029 |
| Net loans and leases to total assets | 67.7017% | 1,858 |
| Net loans and leases to deposits | 90.6969% | 871 |
| Net loans and leases to core deposits | 91.8671% | 1,392 |
| Total domestic deposits to total assets | 74.6461% | 4,600 |
| Equity capital to assets | 10.4997% | 2,673 |
| Core capital (leverage) ratio | 10.6397% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,059,800 | 3,721 |
| Average earning assets | $107,922,400 | 3,796 |
| Average equity | $13,233,800 | 3,839 |
| Average total loans | $82,890,200 | 3,508 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 1,646 |
| Cost of funding earning assets | 0.7786% | 1,595 |
| Net interest margin | 3.6930% | 1,966 |
| Noninterest income to average assets | 0.4603% | 2,788 |
| Noninterest expense to average assets | 2.7952% | 1,977 |
| Loan and lease loss provision to assets | 0.3502% | 1,080 |
| Net operating income to assets | 0.5793% | 3,833 |
| Return on assets (ROA) | 0.6615% | 3,692 |
| Pretax return on assets | 0.6615% | 3,979 |
| Return on Equity (ROE) | 6.0496% | 3,536 |
| Retained earnings to average equity (ytd only) | 4.2093% | 2,940 |
| Net charge-offs to loans | 0.6267% | 228 |
| Credit loss provision to net charge-offs | 82.4607% | 2,743 |
| Earnings coverage of net charge-offs (x) | 2.1885% | 3,009 |
| Efficiency ratio | 74.4776% | 1,358 |
| Assets per employee ($millions) | 4.0778% | 4,261 |
| Cash dividends to net income (ytd only)* | 30.4202% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,398 |
| Loan loss allowance to noncurrent loans | 1,496.6667% | 431 |
| Noncurrent assets plus other real estate owned to assets | 1.8605% | 391 |
| Noncurrent loans to loans | 0.0710% | 4,087 |
| Net loans and leases to total assets | 68.3233% | 2,190 |
| Net loans and leases to deposits | 88.1992% | 1,461 |
| Net loans and leases to core deposits | 89.3830% | 2,029 |
| Total domestic deposits to total assets | 77.4648% | 4,268 |
| Equity capital to assets | 11.1196% | 2,306 |
| Core capital (leverage) ratio | 11.3180% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,919,000 | 3,738 |
| Average earning assets | $106,000,000 | 3,820 |
| Average equity | $13,113,500 | 3,857 |
| Average total loans | $81,274,250 | 3,552 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 2,060 |
| Cost of funding earning assets | 0.8523% | 1,589 |
| Net interest margin | 3.6027% | 2,475 |
| Noninterest income to average assets | 0.4198% | 2,972 |
| Noninterest expense to average assets | 2.8124% | 2,073 |
| Loan and lease loss provision to assets | 0.5037% | 707 |
| Net operating income to assets | 0.2905% | 4,437 |
| Return on assets (ROA) | 0.3560% | 4,374 |
| Pretax return on assets | 0.3560% | 4,459 |
| Return on Equity (ROE) | 3.2740% | 4,292 |
| Retained earnings to average equity (ytd only) | 0.4788% | 4,216 |
| Net charge-offs to loans | 0.9650% | 155 |
| Credit loss provision to net charge-offs | 77.5194% | 2,516 |
| Earnings coverage of net charge-offs (x) | 1.2222% | 2,870 |
| Efficiency ratio | 77.1881% | 1,138 |
| Assets per employee ($millions) | 3.8901% | 4,402 |
| Cash dividends to net income (ytd only)* | 85.3774% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,217 |
| Loan loss allowance to noncurrent loans | 1,416.1290% | 416 |
| Noncurrent assets plus other real estate owned to assets | 1.9519% | 376 |
| Noncurrent loans to loans | 0.0758% | 4,154 |
| Net loans and leases to total assets | 69.3789% | 2,129 |
| Net loans and leases to deposits | 89.2790% | 1,417 |
| Net loans and leases to core deposits | 92.5962% | 1,850 |
| Total domestic deposits to total assets | 77.7103% | 4,227 |
| Equity capital to assets | 11.3424% | 2,090 |
| Core capital (leverage) ratio | 10.9283% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,114,333 | 3,734 |
| Average earning assets | $105,365,333 | 3,815 |
| Average equity | $12,950,333 | 3,874 |
| Average total loans | $80,205,667 | 3,568 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 2,737 |
| Cost of funding earning assets | 0.9179% | 1,775 |
| Net interest margin | 3.4449% | 3,166 |
| Noninterest income to average assets | 0.3790% | 3,239 |
| Noninterest expense to average assets | 2.8158% | 2,390 |
| Loan and lease loss provision to assets | 0.0499% | 3,153 |
| Net operating income to assets | 0.5951% | 3,608 |
| Return on assets (ROA) | 0.7247% | 3,275 |
| Pretax return on assets | 0.7247% | 3,613 |
| Return on Equity (ROE) | 6.8088% | 3,023 |
| Retained earnings to average equity (ytd only) | 3.9041% | 2,715 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9232% | 1,147 |
| Assets per employee ($millions) | 3.7897% | 4,183 |
| Cash dividends to net income (ytd only)* | 42.6606% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,289 |
| Loan loss allowance to noncurrent loans | 95.9922% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 2.3924% | 300 |
| Noncurrent loans to loans | 1.3222% | 1,230 |
| Net loans and leases to total assets | 67.1891% | 2,675 |
| Net loans and leases to deposits | 83.9733% | 2,231 |
| Net loans and leases to core deposits | 87.1880% | 2,581 |
| Total domestic deposits to total assets | 80.0125% | 3,858 |
| Equity capital to assets | 11.1390% | 2,740 |
| Core capital (leverage) ratio | 10.6025% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,319,500 | 3,699 |
| Average earning assets | $107,637,500 | 3,760 |
| Average equity | $12,807,000 | 3,898 |
| Average total loans | $79,385,500 | 3,591 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8719% | 1,840 |
| Cost of funding earning assets | 0.9430% | 1,993 |
| Net interest margin | 3.9289% | 2,075 |
| Noninterest income to average assets | 0.3585% | 3,557 |
| Noninterest expense to average assets | 2.9224% | 2,225 |
| Loan and lease loss provision to assets | 0.0542% | 2,949 |
| Net operating income to assets | 0.9564% | 2,996 |
| Return on assets (ROA) | 1.0358% | 2,802 |
| Pretax return on assets | 1.0358% | 3,376 |
| Return on Equity (ROE) | 9.2428% | 2,644 |
| Retained earnings to average equity (ytd only) | 6.4789% | 1,619 |
| Net charge-offs to loans | 0.0667% | 2,135 |
| Credit loss provision to net charge-offs | 113.2075% | 2,220 |
| Earnings coverage of net charge-offs (x) | 21.1132% | 1,900 |
| Efficiency ratio | 72.4455% | 1,802 |
| Assets per employee ($millions) | 4.0951% | 3,779 |
| Cash dividends to net income (ytd only)* | 29.9041% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 2,508 |
| Loan loss allowance to noncurrent loans | 103.8710% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.9657% | 1,301 |
| Noncurrent loans to loans | 1.1425% | 1,319 |
| Net loans and leases to total assets | 63.3606% | 3,270 |
| Net loans and leases to deposits | 82.8765% | 2,460 |
| Net loans and leases to core deposits | 85.8422% | 2,801 |
| Total domestic deposits to total assets | 76.4518% | 4,553 |
| Equity capital to assets | 10.2010% | 3,730 |
| Core capital (leverage) ratio | 10.8357% | 2,651 |
| Tier 1 risk-based capital ratio | 14.5537% | 2,990 |
| Total risk-based capital ratio | 15.6567% | 2,977 |
| Memoranda: | ||
| Average total assets | $110,730,800 | 3,819 |
| Average earning assets | $100,740,400 | 3,857 |
| Average equity | $12,409,600 | 3,947 |
| Average total loans | $79,413,000 | 3,612 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0023% | 1,530 |
| Cost of funding earning assets | 0.9661% | 1,903 |
| Net interest margin | 4.0361% | 1,810 |
| Noninterest income to average assets | 0.3725% | 3,484 |
| Noninterest expense to average assets | 3.0509% | 1,827 |
| Loan and lease loss provision to assets | 0.0562% | 2,783 |
| Net operating income to assets | 0.9411% | 3,200 |
| Return on assets (ROA) | 0.9761% | 3,144 |
| Pretax return on assets | 0.9761% | 3,658 |
| Return on Equity (ROE) | 8.4835% | 3,120 |
| Retained earnings to average equity (ytd only) | 5.4638% | 2,640 |
| Net charge-offs to loans | -0.0591% | 4,872 |
| Credit loss provision to net charge-offs | -128.5714% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4795% | 1,642 |
| Assets per employee ($millions) | 3.3988% | 4,596 |
| Cash dividends to net income (ytd only)* | 35.5955% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 1,924 |
| Loan loss allowance to noncurrent loans | 87.2269% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.3022% | 933 |
| Noncurrent loans to loans | 1.5026% | 1,006 |
| Net loans and leases to total assets | 74.1785% | 1,777 |
| Net loans and leases to deposits | 96.1411% | 1,000 |
| Net loans and leases to core deposits | 100.2797% | 1,637 |
| Total domestic deposits to total assets | 77.1559% | 4,494 |
| Equity capital to assets | 12.0689% | 2,204 |
| Core capital (leverage) ratio | 11.6002% | 2,145 |
| Tier 1 risk-based capital ratio | 15.3091% | 2,707 |
| Total risk-based capital ratio | 16.5584% | 2,641 |
| Memoranda: | ||
| Average total assets | $106,676,500 | 3,921 |
| Average earning assets | $97,153,500 | 3,960 |
| Average equity | $12,274,500 | 3,998 |
| Average total loans | $78,916,000 | 3,658 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9568% | 1,598 |
| Cost of funding earning assets | 0.9501% | 1,913 |
| Net interest margin | 4.0067% | 1,901 |
| Noninterest income to average assets | 0.3790% | 3,409 |
| Noninterest expense to average assets | 3.0341% | 1,905 |
| Loan and lease loss provision to assets | 0.0560% | 2,706 |
| Net operating income to assets | 0.9504% | 3,089 |
| Return on assets (ROA) | 0.9728% | 3,088 |
| Pretax return on assets | 0.9728% | 3,635 |
| Return on Equity (ROE) | 8.5922% | 3,030 |
| Retained earnings to average equity (ytd only) | 6.2833% | 2,155 |
| Net charge-offs to loans | -0.0660% | 4,904 |
| Credit loss provision to net charge-offs | -115.3846% | 3,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2440% | 1,739 |
| Assets per employee ($millions) | 3.5644% | 4,425 |
| Cash dividends to net income (ytd only)* | 26.8714% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 2,217 |
| Loan loss allowance to noncurrent loans | 97.8785% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.1503% | 1,169 |
| Noncurrent loans to loans | 1.2841% | 1,230 |
| Net loans and leases to total assets | 74.5736% | 1,790 |
| Net loans and leases to deposits | 97.7267% | 874 |
| Net loans and leases to core deposits | 101.4413% | 1,598 |
| Total domestic deposits to total assets | 76.3083% | 4,635 |
| Equity capital to assets | 11.7626% | 2,371 |
| Core capital (leverage) ratio | 11.5604% | 2,118 |
| Tier 1 risk-based capital ratio | 14.6972% | 2,967 |
| Total risk-based capital ratio | 15.9116% | 2,916 |
| Memoranda: | ||
| Average total assets | $107,114,670 | 3,941 |
| Average earning assets | $97,885,330 | 3,969 |
| Average equity | $12,127,330 | 4,028 |
| Average total loans | $78,823,330 | 3,682 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8873% | 1,626 |
| Cost of funding earning assets | 0.9400% | 1,836 |
| Net interest margin | 3.9472% | 2,032 |
| Noninterest income to average assets | 0.3657% | 3,407 |
| Noninterest expense to average assets | 3.0110% | 1,963 |
| Loan and lease loss provision to assets | 0.0560% | 2,549 |
| Net operating income to assets | 0.9179% | 3,172 |
| Return on assets (ROA) | 0.9701% | 3,012 |
| Pretax return on assets | 0.9701% | 3,541 |
| Return on Equity (ROE) | 8.7380% | 2,928 |
| Retained earnings to average equity (ytd only) | 5.6797% | 2,602 |
| Net charge-offs to loans | -0.1182% | 5,064 |
| Credit loss provision to net charge-offs | -65.2174% | 3,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7828% | 1,780 |
| Assets per employee ($millions) | 3.3607% | 4,692 |
| Cash dividends to net income (ytd only)* | 35.0000% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 2,301 |
| Loan loss allowance to noncurrent loans | 1,172.9412% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 3,579 |
| Noncurrent loans to loans | 0.1069% | 4,257 |
| Net loans and leases to total assets | 73.0270% | 1,975 |
| Net loans and leases to deposits | 98.0009% | 788 |
| Net loans and leases to core deposits | 102.1195% | 1,457 |
| Total domestic deposits to total assets | 74.5167% | 4,890 |
| Equity capital to assets | 11.2636% | 2,593 |
| Core capital (leverage) ratio | 11.3380% | 2,255 |
| Tier 1 risk-based capital ratio | 14.5845% | 3,068 |
| Total risk-based capital ratio | 15.7912% | 3,013 |
| Memoranda: | ||
| Average total assets | $107,206,000 | 3,978 |
| Average earning assets | $98,296,500 | 3,998 |
| Average equity | $11,902,000 | 4,071 |
| Average total loans | $77,856,000 | 3,738 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8187% | 1,505 |
| Cost of funding earning assets | 0.7293% | 1,909 |
| Net interest margin | 4.0895% | 1,713 |
| Noninterest income to average assets | 0.6203% | 2,188 |
| Noninterest expense to average assets | 2.9698% | 2,136 |
| Loan and lease loss provision to assets | 0.0577% | 3,009 |
| Net operating income to assets | 1.3733% | 1,523 |
| Return on assets (ROA) | 1.2560% | 1,953 |
| Pretax return on assets | 1.2560% | 2,675 |
| Return on Equity (ROE) | 11.6141% | 1,857 |
| Retained earnings to average equity (ytd only) | 8.0747% | 1,200 |
| Net charge-offs to loans | -0.0293% | 4,804 |
| Credit loss provision to net charge-offs | -272.7273% | 4,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7343% | 2,903 |
| Assets per employee ($millions) | 3.4475% | 4,611 |
| Cash dividends to net income (ytd only)* | 30.4747% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 2,256 |
| Loan loss allowance to noncurrent loans | 689.9281% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 3,312 |
| Noncurrent loans to loans | 0.1825% | 3,933 |
| Net loans and leases to total assets | 70.3858% | 2,513 |
| Net loans and leases to deposits | 93.4981% | 1,335 |
| Net loans and leases to core deposits | 97.3924% | 1,927 |
| Total domestic deposits to total assets | 75.2805% | 4,841 |
| Equity capital to assets | 10.9394% | 2,746 |
| Core capital (leverage) ratio | 11.1210% | 2,424 |
| Tier 1 risk-based capital ratio | 14.8604% | 2,900 |
| Total risk-based capital ratio | 16.0619% | 2,846 |
| Memoranda: | ||
| Average total assets | $103,979,600 | 4,036 |
| Average earning assets | $96,125,200 | 4,031 |
| Average equity | $11,245,000 | 4,129 |
| Average total loans | $75,049,600 | 3,771 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 1,453 |
| Cost of funding earning assets | 0.6883% | 1,918 |
| Net interest margin | 4.1019% | 1,621 |
| Noninterest income to average assets | 0.6960% | 1,876 |
| Noninterest expense to average assets | 3.0060% | 2,001 |
| Loan and lease loss provision to assets | 0.0581% | 2,814 |
| Net operating income to assets | 1.4255% | 1,396 |
| Return on assets (ROA) | 1.3803% | 1,557 |
| Pretax return on assets | 1.3803% | 2,299 |
| Return on Equity (ROE) | 12.8019% | 1,502 |
| Retained earnings to average equity (ytd only) | 9.3050% | 1,118 |
| Net charge-offs to loans | -0.0196% | 4,615 |
| Credit loss provision to net charge-offs | -409.0909% | 4,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2286% | 3,000 |
| Assets per employee ($millions) | 3.2683% | 4,815 |
| Cash dividends to net income (ytd only)* | 27.3150% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,446 |
| Loan loss allowance to noncurrent loans | 464.1791% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 3,405 |
| Noncurrent loans to loans | 0.2653% | 3,736 |
| Net loans and leases to total assets | 71.5619% | 2,399 |
| Net loans and leases to deposits | 95.0786% | 1,261 |
| Net loans and leases to core deposits | 99.1101% | 1,861 |
| Total domestic deposits to total assets | 75.2661% | 4,860 |
| Equity capital to assets | 10.7759% | 2,872 |
| Core capital (leverage) ratio | 11.2871% | 2,342 |
| Tier 1 risk-based capital ratio | 15.0162% | 2,875 |
| Total risk-based capital ratio | 16.2129% | 2,821 |
| Memoranda: | ||
| Average total assets | $103,256,750 | 4,089 |
| Average earning assets | $95,497,500 | 4,087 |
| Average equity | $11,133,500 | 4,183 |
| Average total loans | $74,766,750 | 3,814 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7819% | 1,304 |
| Cost of funding earning assets | 0.6729% | 1,790 |
| Net interest margin | 4.1090% | 1,527 |
| Noninterest income to average assets | 0.8365% | 1,363 |
| Noninterest expense to average assets | 3.0307% | 1,965 |
| Loan and lease loss provision to assets | 0.0584% | 2,733 |
| Net operating income to assets | 1.5368% | 1,058 |
| Return on assets (ROA) | 1.4687% | 1,231 |
| Pretax return on assets | 1.4687% | 1,933 |
| Return on Equity (ROE) | 13.6183% | 1,177 |
| Retained earnings to average equity (ytd only) | 9.3074% | 1,123 |
| Net charge-offs to loans | -0.0269% | 4,702 |
| Credit loss provision to net charge-offs | -300.0000% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8352% | 3,331 |
| Assets per employee ($millions) | 3.3528% | 4,767 |
| Cash dividends to net income (ytd only)* | 31.6556% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,771 |
| Loan loss allowance to noncurrent loans | 396.5368% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 3,340 |
| Noncurrent loans to loans | 0.3009% | 3,622 |
| Net loans and leases to total assets | 72.9805% | 2,119 |
| Net loans and leases to deposits | 96.8699% | 1,051 |
| Net loans and leases to core deposits | 100.7973% | 1,669 |
| Total domestic deposits to total assets | 75.3387% | 4,923 |
| Equity capital to assets | 10.7489% | 2,891 |
| Core capital (leverage) ratio | 11.1532% | 2,386 |
| Tier 1 risk-based capital ratio | 14.2265% | 3,249 |
| Total risk-based capital ratio | 15.3667% | 3,227 |
| Memoranda: | ||
| Average total assets | $102,814,000 | 4,134 |
| Average earning assets | $94,815,670 | 4,130 |
| Average equity | $11,088,000 | 4,221 |
| Average total loans | $74,430,330 | 3,839 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8144% | 1,051 |
| Cost of funding earning assets | 0.6055% | 2,023 |
| Net interest margin | 4.2089% | 1,158 |
| Noninterest income to average assets | 1.2479% | 597 |
| Noninterest expense to average assets | 3.0004% | 2,059 |
| Loan and lease loss provision to assets | 0.0587% | 2,599 |
| Net operating income to assets | 2.0772% | 312 |
| Return on assets (ROA) | 2.0068% | 369 |
| Pretax return on assets | 2.0068% | 565 |
| Return on Equity (ROE) | 18.5769% | 353 |
| Retained earnings to average equity (ytd only) | 15.4264% | 291 |
| Net charge-offs to loans | -0.0710% | 5,115 |
| Credit loss provision to net charge-offs | -115.3846% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8926% | 4,480 |
| Assets per employee ($millions) | 3.2079% | 4,990 |
| Cash dividends to net income (ytd only)* | 16.9591% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,765 |
| Loan loss allowance to noncurrent loans | 188.5417% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 2,519 |
| Noncurrent loans to loans | 0.6403% | 2,620 |
| Net loans and leases to total assets | 72.1421% | 2,147 |
| Net loans and leases to deposits | 96.7407% | 957 |
| Net loans and leases to core deposits | 100.0973% | 1,679 |
| Total domestic deposits to total assets | 74.5726% | 5,101 |
| Equity capital to assets | 10.8190% | 2,755 |
| Core capital (leverage) ratio | 11.2370% | 2,217 |
| Tier 1 risk-based capital ratio | 14.0333% | 3,367 |
| Total risk-based capital ratio | 15.1554% | 3,346 |
| Memoranda: | ||
| Average total assets | $102,253,000 | 4,188 |
| Average earning assets | $94,467,000 | 4,182 |
| Average equity | $11,046,000 | 4,268 |
| Average total loans | $73,261,000 | 3,901 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5645% | 1,525 |
| Cost of funding earning assets | 0.5357% | 2,066 |
| Net interest margin | 4.0288% | 1,663 |
| Noninterest income to average assets | 0.5710% | 2,602 |
| Noninterest expense to average assets | 2.9321% | 2,339 |
| Loan and lease loss provision to assets | 0.0481% | 3,262 |
| Net operating income to assets | 1.3123% | 1,199 |
| Return on assets (ROA) | 1.3574% | 1,121 |
| Pretax return on assets | 1.3574% | 2,136 |
| Return on Equity (ROE) | 12.6223% | 1,051 |
| Retained earnings to average equity (ytd only) | 4.4061% | 2,516 |
| Net charge-offs to loans | 0.0029% | 4,005 |
| Credit loss provision to net charge-offs | 2,400.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 679.0000% | 128 |
| Efficiency ratio | 66.6978% | 3,133 |
| Assets per employee ($millions) | 3.2855% | 4,948 |
| Cash dividends to net income (ytd only)* | 65.0923% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,631 |
| Loan loss allowance to noncurrent loans | 155.7726% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 2,264 |
| Noncurrent loans to loans | 0.7868% | 2,252 |
| Net loans and leases to total assets | 69.3972% | 2,616 |
| Net loans and leases to deposits | 95.3242% | 1,148 |
| Net loans and leases to core deposits | 98.7330% | 1,809 |
| Total domestic deposits to total assets | 72.8012% | 5,276 |
| Equity capital to assets | 10.7835% | 2,860 |
| Core capital (leverage) ratio | 10.8403% | 2,482 |
| Tier 1 risk-based capital ratio | 13.6039% | 3,571 |
| Total risk-based capital ratio | 14.6925% | 3,570 |
| Memoranda: | ||
| Average total assets | $99,824,800 | 4,239 |
| Average earning assets | $92,212,000 | 4,236 |
| Average equity | $10,735,000 | 4,344 |
| Average total loans | $68,410,600 | 4,002 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5557% | 1,484 |
| Cost of funding earning assets | 0.5230% | 2,089 |
| Net interest margin | 4.0327% | 1,594 |
| Noninterest income to average assets | 0.6377% | 2,264 |
| Noninterest expense to average assets | 2.9386% | 2,286 |
| Loan and lease loss provision to assets | 0.0483% | 3,128 |
| Net operating income to assets | 1.3774% | 1,139 |
| Return on assets (ROA) | 1.4378% | 1,028 |
| Pretax return on assets | 1.4378% | 1,982 |
| Return on Equity (ROE) | 13.3792% | 963 |
| Retained earnings to average equity (ytd only) | 2.3610% | 4,470 |
| Net charge-offs to loans | -0.0177% | 4,812 |
| Credit loss provision to net charge-offs | -400.0000% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7336% | 3,259 |
| Assets per employee ($millions) | 3.3360% | 4,933 |
| Cash dividends to net income (ytd only)* | 82.3531% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 2,623 |
| Loan loss allowance to noncurrent loans | 126.1871% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 2,256 |
| Noncurrent loans to loans | 0.9934% | 1,948 |
| Net loans and leases to total assets | 69.0268% | 2,689 |
| Net loans and leases to deposits | 90.2407% | 1,779 |
| Net loans and leases to core deposits | 93.3553% | 2,316 |
| Total domestic deposits to total assets | 76.4918% | 4,958 |
| Equity capital to assets | 10.8793% | 2,977 |
| Core capital (leverage) ratio | 10.6801% | 2,789 |
| Tier 1 risk-based capital ratio | 13.9240% | 3,481 |
| Total risk-based capital ratio | 15.0686% | 3,456 |
| Memoranda: | ||
| Average total assets | $99,318,500 | 4,293 |
| Average earning assets | $91,780,250 | 4,289 |
| Average equity | $10,673,000 | 4,391 |
| Average total loans | $67,623,750 | 4,051 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 1,326 |
| Cost of funding earning assets | 0.5073% | 2,113 |
| Net interest margin | 4.0631% | 1,422 |
| Noninterest income to average assets | 0.7530% | 1,762 |
| Noninterest expense to average assets | 2.9516% | 2,262 |
| Loan and lease loss provision to assets | 0.0485% | 3,023 |
| Net operating income to assets | 1.5041% | 856 |
| Return on assets (ROA) | 1.5142% | 864 |
| Pretax return on assets | 1.5142% | 1,589 |
| Return on Equity (ROE) | 14.1492% | 790 |
| Retained earnings to average equity (ytd only) | 2.4337% | 4,226 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0072% | 3,670 |
| Assets per employee ($millions) | 3.2263% | 5,062 |
| Cash dividends to net income (ytd only)* | 82.8000% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,630 |
| Loan loss allowance to noncurrent loans | 113.5458% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 2,190 |
| Noncurrent loans to loans | 1.1089% | 1,768 |
| Net loans and leases to total assets | 67.0373% | 2,946 |
| Net loans and leases to deposits | 89.9611% | 1,732 |
| Net loans and leases to core deposits | 93.4936% | 2,200 |
| Total domestic deposits to total assets | 74.5181% | 5,247 |
| Equity capital to assets | 10.8853% | 2,939 |
| Core capital (leverage) ratio | 10.7700% | 2,629 |
| Tier 1 risk-based capital ratio | 13.6462% | 3,617 |
| Total risk-based capital ratio | 14.7464% | 3,616 |
| Memoranda: | ||
| Average total assets | $99,064,670 | 4,324 |
| Average earning assets | $91,457,000 | 4,316 |
| Average equity | $10,601,330 | 4,421 |
| Average total loans | $66,845,330 | 4,086 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 1,772 |
| Cost of funding earning assets | 0.4710% | 2,340 |
| Net interest margin | 3.8916% | 1,814 |
| Noninterest income to average assets | 0.3652% | 3,920 |
| Noninterest expense to average assets | 2.9293% | 2,366 |
| Loan and lease loss provision to assets | 0.0487% | 2,836 |
| Net operating income to assets | 0.9737% | 2,421 |
| Return on assets (ROA) | 0.9940% | 2,384 |
| Pretax return on assets | 0.9940% | 3,393 |
| Return on Equity (ROE) | 9.3704% | 2,250 |
| Retained earnings to average equity (ytd only) | -2.2183% | 5,188 |
| Net charge-offs to loans | 0.0362% | 2,065 |
| Credit loss provision to net charge-offs | 200.0000% | 1,014 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,001 |
| Efficiency ratio | 72.3819% | 2,507 |
| Assets per employee ($millions) | 3.3848% | 4,952 |
| Cash dividends to net income (ytd only)* | 123.6735% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 2,851 |
| Loan loss allowance to noncurrent loans | 930.0000% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 4,661 |
| Noncurrent loans to loans | 0.1340% | 4,654 |
| Net loans and leases to total assets | 67.5717% | 2,737 |
| Net loans and leases to deposits | 91.4805% | 1,381 |
| Net loans and leases to core deposits | 95.1689% | 1,877 |
| Total domestic deposits to total assets | 73.8646% | 5,425 |
| Equity capital to assets | 10.6858% | 2,978 |
| Core capital (leverage) ratio | 10.6771% | 2,708 |
| Tier 1 risk-based capital ratio | 13.7540% | 3,629 |
| Total risk-based capital ratio | 14.8599% | 3,627 |
| Memoranda: | ||
| Average total assets | $98,589,000 | 4,380 |
| Average earning assets | $90,862,500 | 4,374 |
| Average equity | $10,458,500 | 4,472 |
| Average total loans | $66,316,500 | 4,125 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 2,098 |
| Cost of funding earning assets | 0.4618% | 2,431 |
| Net interest margin | 3.8534% | 2,121 |
| Noninterest income to average assets | 0.5268% | 3,046 |
| Noninterest expense to average assets | 2.8673% | 2,790 |
| Loan and lease loss provision to assets | 0.0498% | 3,402 |
| Net operating income to assets | 1.1573% | 1,662 |
| Return on assets (ROA) | 1.2776% | 1,346 |
| Pretax return on assets | 1.2776% | 2,366 |
| Return on Equity (ROE) | 11.7784% | 1,324 |
| Retained earnings to average equity (ytd only) | 6.8644% | 1,284 |
| Net charge-offs to loans | -0.0653% | 5,465 |
| Credit loss provision to net charge-offs | -137.1429% | 4,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6180% | 3,145 |
| Assets per employee ($millions) | 3.3007% | 5,041 |
| Cash dividends to net income (ytd only)* | 41.7208% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,705 |
| Loan loss allowance to noncurrent loans | 681.1475% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 4,600 |
| Noncurrent loans to loans | 0.1863% | 4,492 |
| Net loans and leases to total assets | 65.2777% | 3,181 |
| Net loans and leases to deposits | 87.2390% | 2,020 |
| Net loans and leases to core deposits | 90.6704% | 2,440 |
| Total domestic deposits to total assets | 74.8263% | 5,367 |
| Equity capital to assets | 10.5312% | 3,119 |
| Core capital (leverage) ratio | 10.6318% | 2,741 |
| Tier 1 risk-based capital ratio | 14.0498% | 3,439 |
| Total risk-based capital ratio | 15.1656% | 3,423 |
| Memoranda: | ||
| Average total assets | $96,431,200 | 4,420 |
| Average earning assets | $88,779,400 | 4,414 |
| Average equity | $10,459,800 | 4,501 |
| Average total loans | $53,579,600 | 4,470 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 2,215 |
| Cost of funding earning assets | 0.4667% | 2,401 |
| Net interest margin | 3.8170% | 2,272 |
| Noninterest income to average assets | 0.4246% | 3,734 |
| Noninterest expense to average assets | 2.9246% | 2,560 |
| Loan and lease loss provision to assets | 0.0501% | 3,242 |
| Net operating income to assets | 0.9563% | 2,625 |
| Return on assets (ROA) | 1.1178% | 2,032 |
| Pretax return on assets | 1.1178% | 3,156 |
| Return on Equity (ROE) | 10.2280% | 1,958 |
| Retained earnings to average equity (ytd only) | 5.6554% | 2,396 |
| Net charge-offs to loans | -0.0764% | 5,492 |
| Credit loss provision to net charge-offs | -124.1379% | 4,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5567% | 2,491 |
| Assets per employee ($millions) | 3.1089% | 5,279 |
| Cash dividends to net income (ytd only)* | 44.7069% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 2,247 |
| Loan loss allowance to noncurrent loans | 370.0000% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 4,297 |
| Noncurrent loans to loans | 0.3757% | 3,919 |
| Net loans and leases to total assets | 59.9174% | 3,888 |
| Net loans and leases to deposits | 79.8589% | 2,985 |
| Net loans and leases to core deposits | 83.0722% | 3,209 |
| Total domestic deposits to total assets | 75.0291% | 5,333 |
| Equity capital to assets | 11.2829% | 2,717 |
| Core capital (leverage) ratio | 10.6061% | 2,868 |
| Tier 1 risk-based capital ratio | 14.5770% | 3,248 |
| Total risk-based capital ratio | 15.7423% | 3,222 |
| Memoranda: | ||
| Average total assets | $95,784,000 | 4,465 |
| Average earning assets | $87,990,750 | 4,468 |
| Average equity | $10,467,750 | 4,546 |
| Average total loans | $50,607,250 | 4,596 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3456% | 1,997 |
| Cost of funding earning assets | 0.4644% | 2,431 |
| Net interest margin | 3.8812% | 2,041 |
| Noninterest income to average assets | 0.4268% | 3,680 |
| Noninterest expense to average assets | 2.8853% | 2,725 |
| Loan and lease loss provision to assets | 0.0502% | 3,146 |
| Net operating income to assets | 1.0587% | 2,133 |
| Return on assets (ROA) | 1.2470% | 1,547 |
| Pretax return on assets | 1.2470% | 2,609 |
| Return on Equity (ROE) | 11.5366% | 1,464 |
| Retained earnings to average equity (ytd only) | 4.5875% | 2,985 |
| Net charge-offs to loans | -0.0918% | 5,586 |
| Credit loss provision to net charge-offs | -109.0909% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4557% | 2,906 |
| Assets per employee ($millions) | 2.9129% | 5,519 |
| Cash dividends to net income (ytd only)* | 60.2349% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 1,698 |
| Loan loss allowance to noncurrent loans | 515.5844% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 4,548 |
| Noncurrent loans to loans | 0.2996% | 4,298 |
| Net loans and leases to total assets | 54.2869% | 4,479 |
| Net loans and leases to deposits | 71.3633% | 3,850 |
| Net loans and leases to core deposits | 73.8471% | 3,996 |
| Total domestic deposits to total assets | 76.0712% | 5,275 |
| Equity capital to assets | 11.5777% | 2,467 |
| Core capital (leverage) ratio | 10.8372% | 2,608 |
| Tier 1 risk-based capital ratio | 15.8015% | 2,740 |
| Total risk-based capital ratio | 17.0505% | 2,675 |
| Memoranda: | ||
| Average total assets | $95,586,670 | 4,507 |
| Average earning assets | $87,858,670 | 4,508 |
| Average equity | $10,332,330 | 4,595 |
| Average total loans | $47,956,330 | 4,714 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9979% | 3,228 |
| Cost of funding earning assets | 0.4611% | 2,455 |
| Net interest margin | 3.5368% | 3,329 |
| Noninterest income to average assets | 0.3927% | 3,886 |
| Noninterest expense to average assets | 2.7859% | 3,126 |
| Loan and lease loss provision to assets | 0.0496% | 2,936 |
| Net operating income to assets | 0.8225% | 3,136 |
| Return on assets (ROA) | 1.0457% | 2,212 |
| Pretax return on assets | 1.0457% | 3,294 |
| Return on Equity (ROE) | 10.0173% | 1,977 |
| Retained earnings to average equity (ytd only) | 5.1076% | 2,867 |
| Net charge-offs to loans | -0.1298% | 5,732 |
| Credit loss provision to net charge-offs | -80.0000% | 4,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2373% | 2,436 |
| Assets per employee ($millions) | 3.0195% | 5,490 |
| Cash dividends to net income (ytd only)* | 49.0119% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 1,471 |
| Loan loss allowance to noncurrent loans | 262.7119% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 4,246 |
| Noncurrent loans to loans | 0.6296% | 3,281 |
| Net loans and leases to total assets | 49.2255% | 4,868 |
| Net loans and leases to deposits | 62.7530% | 4,526 |
| Net loans and leases to core deposits | 65.0934% | 4,613 |
| Total domestic deposits to total assets | 78.4432% | 5,070 |
| Equity capital to assets | 10.9899% | 2,955 |
| Core capital (leverage) ratio | 10.0980% | 3,425 |
| Tier 1 risk-based capital ratio | 16.0222% | 2,672 |
| Total risk-based capital ratio | 17.2727% | 2,622 |
| Memoranda: | ||
| Average total assets | $96,773,000 | 4,516 |
| Average earning assets | $89,347,000 | 4,515 |
| Average equity | $10,102,500 | 4,644 |
| Average total loans | $46,236,000 | 4,802 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8910% | 3,738 |
| Cost of funding earning assets | 0.4861% | 2,303 |
| Net interest margin | 3.4049% | 3,894 |
| Noninterest income to average assets | 0.3727% | 4,243 |
| Noninterest expense to average assets | 2.7953% | 3,248 |
| Loan and lease loss provision to assets | 0.1297% | 1,849 |
| Net operating income to assets | 0.6208% | 4,179 |
| Return on assets (ROA) | 0.6239% | 4,257 |
| Pretax return on assets | 0.6239% | 4,771 |
| Return on Equity (ROE) | 6.3071% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.3071% | 1,653 |
| Net charge-offs to loans | 0.0775% | 2,714 |
| Credit loss provision to net charge-offs | 331.5789% | 909 |
| Earnings coverage of net charge-offs (x) | 19.1842% | 1,966 |
| Efficiency ratio | 76.8293% | 2,146 |
| Assets per employee ($millions) | 3.3314% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 1,498 |
| Loan loss allowance to noncurrent loans | 321.0300% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 4,610 |
| Noncurrent loans to loans | 0.5107% | 3,650 |
| Net loans and leases to total assets | 44.8980% | 5,232 |
| Net loans and leases to deposits | 58.4773% | 4,885 |
| Net loans and leases to core deposits | 60.8071% | 4,936 |
| Total domestic deposits to total assets | 76.7785% | 5,349 |
| Equity capital to assets | 9.9238% | 4,047 |
| Core capital (leverage) ratio | 9.9716% | 3,550 |
| Tier 1 risk-based capital ratio | 16.5418% | 2,458 |
| Total risk-based capital ratio | 17.7914% | 2,416 |
| Memoranda: | ||
| Average total assets | $97,126,800 | 4,515 |
| Average earning assets | $90,516,600 | 4,498 |
| Average equity | $9,608,200 | 4,725 |
| Average total loans | $49,044,600 | 4,698 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 3,571 |
| Cost of funding earning assets | 0.4966% | 2,244 |
| Net interest margin | 3.4467% | 3,761 |
| Noninterest income to average assets | 0.3692% | 4,285 |
| Noninterest expense to average assets | 2.8125% | 3,141 |
| Loan and lease loss provision to assets | 0.1493% | 1,459 |
| Net operating income to assets | 0.6222% | 4,273 |
| Return on assets (ROA) | 0.6181% | 4,401 |
| Pretax return on assets | 0.6181% | 4,932 |
| Return on Equity (ROE) | 6.2533% | 4,026 |
| Retained earnings to average equity (ytd only) | 6.2533% | 2,088 |
| Net charge-offs to loans | 0.1523% | 1,616 |
| Credit loss provision to net charge-offs | 189.4737% | 1,396 |
| Earnings coverage of net charge-offs (x) | 9.7892% | 2,664 |
| Efficiency ratio | 76.4660% | 2,165 |
| Assets per employee ($millions) | 3.2453% | 5,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 2,177 |
| Loan loss allowance to noncurrent loans | 433.5366% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 4,945 |
| Noncurrent loans to loans | 0.3450% | 4,377 |
| Net loans and leases to total assets | 48.1014% | 5,071 |
| Net loans and leases to deposits | 59.5845% | 4,885 |
| Net loans and leases to core deposits | 61.8950% | 4,948 |
| Total domestic deposits to total assets | 80.7280% | 4,536 |
| Equity capital to assets | 10.1542% | 3,989 |
| Core capital (leverage) ratio | 10.0515% | 3,555 |
| Tier 1 risk-based capital ratio | 16.2623% | 2,685 |
| Total risk-based capital ratio | 17.4729% | 2,660 |
| Memoranda: | ||
| Average total assets | $96,423,000 | 4,581 |
| Average earning assets | $89,937,500 | 4,558 |
| Average equity | $9,530,750 | 4,801 |
| Average total loans | $49,900,750 | 4,720 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9996% | 3,287 |
| Cost of funding earning assets | 0.5083% | 2,179 |
| Net interest margin | 3.4913% | 3,535 |
| Noninterest income to average assets | 0.3538% | 4,429 |
| Noninterest expense to average assets | 2.8280% | 3,138 |
| Loan and lease loss provision to assets | 0.1436% | 1,513 |
| Net operating income to assets | 0.6409% | 4,166 |
| Return on assets (ROA) | 0.6347% | 4,308 |
| Pretax return on assets | 0.6347% | 4,881 |
| Return on Equity (ROE) | 6.4809% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.4809% | 1,958 |
| Net charge-offs to loans | 0.1973% | 1,269 |
| Credit loss provision to net charge-offs | 138.0000% | 1,623 |
| Earnings coverage of net charge-offs (x) | 7.5400% | 2,657 |
| Efficiency ratio | 76.3249% | 2,304 |
| Assets per employee ($millions) | 3.4123% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 2,732 |
| Loan loss allowance to noncurrent loans | 116.4666% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 3,484 |
| Noncurrent loans to loans | 1.2061% | 2,245 |
| Net loans and leases to total assets | 49.8796% | 4,942 |
| Net loans and leases to deposits | 62.4363% | 4,668 |
| Net loans and leases to core deposits | 65.6930% | 4,676 |
| Total domestic deposits to total assets | 79.8888% | 4,891 |
| Equity capital to assets | 9.9211% | 4,127 |
| Core capital (leverage) ratio | 9.7549% | 3,934 |
| Tier 1 risk-based capital ratio | 15.5585% | 3,068 |
| Total risk-based capital ratio | 16.6821% | 3,080 |
| Memoranda: | ||
| Average total assets | $96,111,000 | 4,630 |
| Average earning assets | $89,708,330 | 4,604 |
| Average equity | $9,412,330 | 4,855 |
| Average total loans | $50,687,000 | 4,728 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 3,058 |
| Cost of funding earning assets | 0.5110% | 2,192 |
| Net interest margin | 3.5370% | 3,275 |
| Noninterest income to average assets | 0.2905% | 4,852 |
| Noninterest expense to average assets | 2.6433% | 3,775 |
| Loan and lease loss provision to assets | 0.1784% | 1,082 |
| Net operating income to assets | 0.7718% | 3,407 |
| Return on assets (ROA) | 0.7635% | 3,596 |
| Pretax return on assets | 0.7635% | 4,370 |
| Return on Equity (ROE) | 7.8473% | 3,037 |
| Retained earnings to average equity (ytd only) | 7.8473% | 1,627 |
| Net charge-offs to loans | 0.4319% | 569 |
| Credit loss provision to net charge-offs | 76.7857% | 1,861 |
| Earnings coverage of net charge-offs (x) | 4.0893% | 2,532 |
| Efficiency ratio | 71.5935% | 3,236 |
| Assets per employee ($millions) | 3.2395% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 3,478 |
| Loan loss allowance to noncurrent loans | 98.6280% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 3,291 |
| Noncurrent loans to loans | 1.3050% | 2,204 |
| Net loans and leases to total assets | 52.8197% | 4,579 |
| Net loans and leases to deposits | 64.1774% | 4,353 |
| Net loans and leases to core deposits | 67.7517% | 4,352 |
| Total domestic deposits to total assets | 82.3026% | 4,412 |
| Equity capital to assets | 10.2676% | 3,808 |
| Core capital (leverage) ratio | 9.7552% | 3,949 |
| Tier 1 risk-based capital ratio | 16.1205% | 2,866 |
| Total risk-based capital ratio | 17.2453% | 2,858 |
| Memoranda: | ||
| Average total assets | $96,394,500 | 4,659 |
| Average earning assets | $90,019,500 | 4,637 |
| Average equity | $9,379,000 | 4,901 |
| Average total loans | $51,862,500 | 4,740 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0919% | 3,354 |
| Cost of funding earning assets | 0.5328% | 2,355 |
| Net interest margin | 3.5591% | 3,560 |
| Noninterest income to average assets | 0.1954% | 5,686 |
| Noninterest expense to average assets | 2.8349% | 3,357 |
| Loan and lease loss provision to assets | 0.2669% | 818 |
| Net operating income to assets | 0.3968% | 5,236 |
| Return on assets (ROA) | 0.3776% | 5,370 |
| Pretax return on assets | 0.3776% | 5,540 |
| Return on Equity (ROE) | 4.4270% | 4,929 |
| Retained earnings to average equity (ytd only) | 4.4270% | 3,030 |
| Net charge-offs to loans | -0.0155% | 5,653 |
| Credit loss provision to net charge-offs | -3,312.5000% | 6,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0443% | 2,059 |
| Assets per employee ($millions) | 3.2948% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 3,783 |
| Loan loss allowance to noncurrent loans | 81.3038% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 3,077 |
| Noncurrent loans to loans | 1.5209% | 1,931 |
| Net loans and leases to total assets | 53.4130% | 4,649 |
| Net loans and leases to deposits | 67.7033% | 4,154 |
| Net loans and leases to core deposits | 71.7177% | 4,155 |
| Total domestic deposits to total assets | 78.8928% | 5,265 |
| Equity capital to assets | 9.2187% | 5,047 |
| Core capital (leverage) ratio | 8.9557% | 5,055 |
| Tier 1 risk-based capital ratio | 14.3938% | 3,836 |
| Total risk-based capital ratio | 15.4666% | 3,885 |
| Memoranda: | ||
| Average total assets | $99,299,000 | 4,619 |
| Average earning assets | $92,157,400 | 4,602 |
| Average equity | $8,470,800 | 5,092 |
| Average total loans | $51,467,000 | 4,768 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0578% | 3,530 |
| Cost of funding earning assets | 0.5369% | 2,401 |
| Net interest margin | 3.5209% | 3,753 |
| Noninterest income to average assets | 0.1381% | 6,081 |
| Noninterest expense to average assets | 2.8218% | 3,380 |
| Loan and lease loss provision to assets | 0.2441% | 896 |
| Net operating income to assets | 0.3353% | 5,475 |
| Return on assets (ROA) | 0.3192% | 5,606 |
| Pretax return on assets | 0.3192% | 5,744 |
| Return on Equity (ROE) | 3.8184% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.8184% | 3,936 |
| Net charge-offs to loans | -0.0183% | 5,591 |
| Credit loss provision to net charge-offs | -2,600.0000% | 5,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9148% | 1,774 |
| Assets per employee ($millions) | 3.1294% | 5,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 4,672 |
| Loan loss allowance to noncurrent loans | 73.3758% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 0.8118% | 3,393 |
| Noncurrent loans to loans | 1.5227% | 2,126 |
| Net loans and leases to total assets | 50.9047% | 4,905 |
| Net loans and leases to deposits | 63.0482% | 4,632 |
| Net loans and leases to core deposits | 66.8586% | 4,621 |
| Total domestic deposits to total assets | 80.7394% | 4,905 |
| Equity capital to assets | 8.8704% | 5,492 |
| Core capital (leverage) ratio | 8.6651% | 5,487 |
| Tier 1 risk-based capital ratio | 14.5620% | 3,850 |
| Total risk-based capital ratio | 15.5246% | 3,963 |
| Memoranda: | ||
| Average total assets | $99,413,000 | 4,657 |
| Average earning assets | $92,134,000 | 4,643 |
| Average equity | $8,310,500 | 5,169 |
| Average total loans | $50,969,750 | 4,833 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0494% | 3,545 |
| Cost of funding earning assets | 0.5455% | 2,386 |
| Net interest margin | 3.5040% | 3,772 |
| Noninterest income to average assets | 0.0020% | 6,543 |
| Noninterest expense to average assets | 2.8658% | 3,285 |
| Loan and lease loss provision to assets | 0.2420% | 922 |
| Net operating income to assets | 0.1331% | 5,987 |
| Return on assets (ROA) | 0.1129% | 6,063 |
| Pretax return on assets | 0.1129% | 6,075 |
| Return on Equity (ROE) | 1.3794% | 5,975 |
| Retained earnings to average equity (ytd only) | 1.3794% | 5,193 |
| Net charge-offs to loans | -0.0276% | 5,656 |
| Credit loss provision to net charge-offs | -1,714.2857% | 5,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3099% | 1,241 |
| Assets per employee ($millions) | 3.2612% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 5,309 |
| Loan loss allowance to noncurrent loans | 68.6248% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 0.7834% | 3,616 |
| Noncurrent loans to loans | 1.4681% | 2,361 |
| Net loans and leases to total assets | 49.9565% | 4,968 |
| Net loans and leases to deposits | 61.4057% | 4,743 |
| Net loans and leases to core deposits | 66.0231% | 4,641 |
| Total domestic deposits to total assets | 81.3547% | 4,856 |
| Equity capital to assets | 8.5462% | 5,764 |
| Core capital (leverage) ratio | 8.2309% | 5,904 |
| Tier 1 risk-based capital ratio | 14.2116% | 4,119 |
| Total risk-based capital ratio | 15.0695% | 4,330 |
| Memoranda: | ||
| Average total assets | $99,170,000 | 4,705 |
| Average earning assets | $91,667,330 | 4,685 |
| Average equity | $8,119,670 | 5,239 |
| Average total loans | $50,775,330 | 4,870 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 3,164 |
| Cost of funding earning assets | 0.5451% | 2,463 |
| Net interest margin | 3.5854% | 3,312 |
| Noninterest income to average assets | -0.3992% | 6,708 |
| Noninterest expense to average assets | 2.9733% | 2,969 |
| Loan and lease loss provision to assets | 0.2444% | 889 |
| Net operating income to assets | -0.3218% | 6,411 |
| Return on assets (ROA) | -0.3218% | 6,411 |
| Pretax return on assets | -0.3218% | 6,401 |
| Return on Equity (ROE) | -4.0206% | 6,444 |
| Retained earnings to average equity (ytd only) | -4.0206% | 6,063 |
| Net charge-offs to loans | -0.0158% | 5,232 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2813% | 459 |
| Assets per employee ($millions) | 3.0572% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 5,862 |
| Loan loss allowance to noncurrent loans | 56.8354% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 0.9208% | 3,428 |
| Noncurrent loans to loans | 1.5856% | 2,438 |
| Net loans and leases to total assets | 48.9394% | 5,010 |
| Net loans and leases to deposits | 59.9012% | 4,771 |
| Net loans and leases to core deposits | 62.3200% | 4,844 |
| Total domestic deposits to total assets | 81.7001% | 5,027 |
| Equity capital to assets | 7.9971% | 6,062 |
| Core capital (leverage) ratio | 8.5309% | 5,601 |
| Tier 1 risk-based capital ratio | 14.1047% | 4,262 |
| Total risk-based capital ratio | 14.8621% | 4,555 |
| Memoranda: | ||
| Average total assets | $98,206,000 | 4,766 |
| Average earning assets | $90,256,000 | 4,771 |
| Average equity | $7,859,500 | 5,335 |
| Average total loans | $50,653,500 | 4,906 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5815% | 1,927 |
| Cost of funding earning assets | 0.5916% | 2,744 |
| Net interest margin | 3.9899% | 1,974 |
| Noninterest income to average assets | 0.1423% | 6,231 |
| Noninterest expense to average assets | 2.9379% | 3,236 |
| Loan and lease loss provision to assets | 0.6953% | 331 |
| Net operating income to assets | 0.1761% | 5,881 |
| Return on assets (ROA) | 0.1772% | 5,946 |
| Pretax return on assets | 0.1772% | 5,979 |
| Return on Equity (ROE) | 2.1354% | 5,789 |
| Retained earnings to average equity (ytd only) | 2.1354% | 4,720 |
| Net charge-offs to loans | 0.8471% | 728 |
| Credit loss provision to net charge-offs | 155.7339% | 1,489 |
| Earnings coverage of net charge-offs (x) | 1.9518% | 4,398 |
| Efficiency ratio | 75.2957% | 2,901 |
| Assets per employee ($millions) | 3.0815% | 5,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7517% | 6,264 |
| Loan loss allowance to noncurrent loans | 27.4468% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 3.6367% | 784 |
| Noncurrent loans to loans | 2.7387% | 1,312 |
| Net loans and leases to total assets | 53.4912% | 4,653 |
| Net loans and leases to deposits | 65.7886% | 4,320 |
| Net loans and leases to core deposits | 68.3787% | 4,464 |
| Total domestic deposits to total assets | 81.3077% | 5,097 |
| Equity capital to assets | 8.0093% | 6,013 |
| Core capital (leverage) ratio | 8.7233% | 5,389 |
| Tier 1 risk-based capital ratio | 13.7319% | 4,497 |
| Total risk-based capital ratio | 14.3628% | 4,846 |
| Memoranda: | ||
| Average total assets | $97,654,200 | 4,800 |
| Average earning assets | $89,752,200 | 4,780 |
| Average equity | $8,101,400 | 5,308 |
| Average total loans | $51,467,600 | 4,919 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6421% | 1,764 |
| Cost of funding earning assets | 0.5906% | 2,891 |
| Net interest margin | 4.0516% | 1,782 |
| Noninterest income to average assets | 0.3368% | 4,995 |
| Noninterest expense to average assets | 2.8693% | 3,410 |
| Loan and lease loss provision to assets | 0.8256% | 226 |
| Net operating income to assets | 0.3775% | 5,343 |
| Return on assets (ROA) | 0.3789% | 5,477 |
| Pretax return on assets | 0.3789% | 5,683 |
| Return on Equity (ROE) | 4.5287% | 4,972 |
| Retained earnings to average equity (ytd only) | 4.5287% | 3,455 |
| Net charge-offs to loans | 1.1425% | 484 |
| Credit loss provision to net charge-offs | 137.8685% | 1,699 |
| Earnings coverage of net charge-offs (x) | 2.0090% | 4,156 |
| Efficiency ratio | 68.7229% | 3,953 |
| Assets per employee ($millions) | 3.1516% | 5,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5897% | 6,575 |
| Loan loss allowance to noncurrent loans | 11.1111% | 6,351 |
| Noncurrent assets plus other real estate owned to assets | 3.9140% | 807 |
| Noncurrent loans to loans | 5.3075% | 535 |
| Net loans and leases to total assets | 53.6602% | 4,670 |
| Net loans and leases to deposits | 65.6877% | 4,342 |
| Net loans and leases to core deposits | 69.2028% | 4,407 |
| Total domestic deposits to total assets | 81.6899% | 5,031 |
| Equity capital to assets | 8.0778% | 6,094 |
| Core capital (leverage) ratio | 8.6847% | 5,559 |
| Tier 1 risk-based capital ratio | 13.8377% | 4,542 |
| Total risk-based capital ratio | 14.3433% | 5,011 |
| Memoranda: | ||
| Average total assets | $98,186,250 | 4,830 |
| Average earning assets | $90,530,500 | 4,793 |
| Average equity | $8,214,000 | 5,335 |
| Average total loans | $51,463,250 | 4,949 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 1,731 |
| Cost of funding earning assets | 0.6003% | 2,932 |
| Net interest margin | 4.0387% | 1,732 |
| Noninterest income to average assets | 0.3559% | 4,840 |
| Noninterest expense to average assets | 2.8186% | 3,613 |
| Loan and lease loss provision to assets | 1.0920% | 156 |
| Net operating income to assets | 0.1668% | 5,985 |
| Return on assets (ROA) | 0.1688% | 6,094 |
| Pretax return on assets | 0.1688% | 6,130 |
| Return on Equity (ROE) | 1.9949% | 5,957 |
| Retained earnings to average equity (ytd only) | 1.9949% | 5,003 |
| Net charge-offs to loans | 1.7595% | 273 |
| Credit loss provision to net charge-offs | 119.5991% | 1,863 |
| Earnings coverage of net charge-offs (x) | 1.3786% | 4,081 |
| Efficiency ratio | 67.4314% | 4,278 |
| Assets per employee ($millions) | 3.3689% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4440% | 6,747 |
| Loan loss allowance to noncurrent loans | 8.4733% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 3.8341% | 944 |
| Noncurrent loans to loans | 5.2398% | 598 |
| Net loans and leases to total assets | 51.4733% | 4,934 |
| Net loans and leases to deposits | 59.3587% | 5,034 |
| Net loans and leases to core deposits | 63.5259% | 4,946 |
| Total domestic deposits to total assets | 86.7156% | 2,990 |
| Equity capital to assets | 7.3724% | 6,483 |
| Core capital (leverage) ratio | 8.4739% | 5,700 |
| Tier 1 risk-based capital ratio | 13.5103% | 4,765 |
| Total risk-based capital ratio | 13.8880% | 5,340 |
| Memoranda: | ||
| Average total assets | $98,348,330 | 4,856 |
| Average earning assets | $90,623,330 | 4,824 |
| Average equity | $8,321,330 | 5,359 |
| Average total loans | $51,038,670 | 4,982 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9356% | 998 |
| Cost of funding earning assets | 0.6069% | 3,044 |
| Net interest margin | 4.3287% | 914 |
| Noninterest income to average assets | 0.2062% | 6,003 |
| Noninterest expense to average assets | 2.7302% | 3,945 |
| Loan and lease loss provision to assets | 1.4723% | 97 |
| Net operating income to assets | 0.0041% | 6,336 |
| Return on assets (ROA) | 0.0041% | 6,412 |
| Pretax return on assets | 0.0041% | 6,404 |
| Return on Equity (ROE) | 0.0457% | 6,413 |
| Retained earnings to average equity (ytd only) | 0.0457% | 5,757 |
| Net charge-offs to loans | 2.2764% | 194 |
| Credit loss provision to net charge-offs | 124.3902% | 1,567 |
| Earnings coverage of net charge-offs (x) | 1.2474% | 3,411 |
| Efficiency ratio | 63.2353% | 5,125 |
| Assets per employee ($millions) | 2.9925% | 6,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4194% | 6,840 |
| Loan loss allowance to noncurrent loans | 7.4435% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 3.4137% | 1,263 |
| Noncurrent loans to loans | 5.6349% | 628 |
| Net loans and leases to total assets | 53.0566% | 4,551 |
| Net loans and leases to deposits | 62.2551% | 4,506 |
| Net loans and leases to core deposits | 66.7459% | 4,439 |
| Total domestic deposits to total assets | 85.2245% | 3,937 |
| Equity capital to assets | 9.1145% | 5,355 |
| Core capital (leverage) ratio | 8.4694% | 5,630 |
| Tier 1 risk-based capital ratio | 13.7101% | 4,712 |
| Total risk-based capital ratio | 14.0679% | 5,305 |
| Memoranda: | ||
| Average total assets | $96,989,500 | 4,929 |
| Average earning assets | $89,635,000 | 4,892 |
| Average equity | $8,756,500 | 5,284 |
| Average total loans | $50,431,000 | 5,039 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 4,796 |
| Cost of funding earning assets | 0.6581% | 3,850 |
| Net interest margin | 3.4844% | 4,565 |
| Noninterest income to average assets | 0.4277% | 4,398 |
| Noninterest expense to average assets | 2.7675% | 4,150 |
| Loan and lease loss provision to assets | 0.4938% | 1,217 |
| Net operating income to assets | 0.2517% | 5,631 |
| Return on assets (ROA) | 0.2760% | 5,766 |
| Pretax return on assets | 0.3144% | 5,789 |
| Return on Equity (ROE) | 3.3728% | 5,401 |
| Retained earnings to average equity (ytd only) | 3.3728% | 3,849 |
| Net charge-offs to loans | 0.6526% | 1,800 |
| Credit loss provision to net charge-offs | 140.3361% | 1,963 |
| Earnings coverage of net charge-offs (x) | 2.2185% | 4,314 |
| Efficiency ratio | 76.2778% | 2,700 |
| Assets per employee ($millions) | 3.3869% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2889% | 6,947 |
| Loan loss allowance to noncurrent loans | 4.5127% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 3.7111% | 1,199 |
| Noncurrent loans to loans | 6.4024% | 529 |
| Net loans and leases to total assets | 50.5982% | 5,091 |
| Net loans and leases to deposits | 59.8240% | 5,046 |
| Net loans and leases to core deposits | 63.7411% | 4,985 |
| Total domestic deposits to total assets | 84.5783% | 4,053 |
| Equity capital to assets | 8.9443% | 5,585 |
| Core capital (leverage) ratio | 8.1786% | 6,022 |
| Tier 1 risk-based capital ratio | 14.0666% | 4,332 |
| Total risk-based capital ratio | 14.3142% | 5,010 |
| Memoranda: | ||
| Average total assets | $101,461,600 | 4,791 |
| Average earning assets | $90,863,000 | 4,844 |
| Average equity | $8,301,800 | 5,419 |
| Average total loans | $54,701,600 | 4,909 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6979% | 6,222 |
| Cost of funding earning assets | 0.6564% | 4,139 |
| Net interest margin | 3.0415% | 6,079 |
| Noninterest income to average assets | 1.2594% | 946 |
| Noninterest expense to average assets | 2.7103% | 4,321 |
| Loan and lease loss provision to assets | 0.1069% | 4,231 |
| Net operating income to assets | 1.1485% | 1,912 |
| Return on assets (ROA) | 1.1485% | 2,112 |
| Pretax return on assets | 1.1485% | 3,167 |
| Return on Equity (ROE) | 14.3581% | 1,033 |
| Retained earnings to average equity (ytd only) | 14.3581% | 276 |
| Net charge-offs to loans | -0.0048% | 6,272 |
| Credit loss provision to net charge-offs | -4,100.0000% | 6,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8968% | 4,268 |
| Assets per employee ($millions) | 3.4414% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1662% | 7,085 |
| Loan loss allowance to noncurrent loans | 2.4605% | 6,679 |
| Noncurrent assets plus other real estate owned to assets | 3.7930% | 1,297 |
| Noncurrent loans to loans | 6.7537% | 552 |
| Net loans and leases to total assets | 48.8813% | 5,445 |
| Net loans and leases to deposits | 59.4179% | 5,269 |
| Net loans and leases to core deposits | 63.2477% | 5,240 |
| Total domestic deposits to total assets | 82.2669% | 4,928 |
| Equity capital to assets | 9.2501% | 5,533 |
| Core capital (leverage) ratio | 8.4392% | 5,837 |
| Tier 1 risk-based capital ratio | 14.1084% | 4,452 |
| Total risk-based capital ratio | 14.2421% | 5,221 |
| Memoranda: | ||
| Average total assets | $102,272,250 | 4,819 |
| Average earning assets | $91,005,000 | 4,887 |
| Average equity | $8,181,000 | 5,502 |
| Average total loans | $55,916,750 | 4,920 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 6,608 |
| Cost of funding earning assets | 0.6219% | 4,701 |
| Net interest margin | 2.8729% | 6,461 |
| Noninterest income to average assets | 1.6479% | 546 |
| Noninterest expense to average assets | 2.6386% | 4,655 |
| Loan and lease loss provision to assets | 0.0883% | 4,475 |
| Net operating income to assets | 1.4674% | 1,051 |
| Return on assets (ROA) | 1.4674% | 1,182 |
| Pretax return on assets | 1.4674% | 1,965 |
| Return on Equity (ROE) | 19.3665% | 392 |
| Retained earnings to average equity (ytd only) | 19.3665% | 116 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6464% | 5,304 |
| Assets per employee ($millions) | 3.2415% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0807% | 7,172 |
| Loan loss allowance to noncurrent loans | 2.2200% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 2.7129% | 2,031 |
| Noncurrent loans to loans | 3.6373% | 1,571 |
| Net loans and leases to total assets | 53.6817% | 4,853 |
| Net loans and leases to deposits | 64.1923% | 4,738 |
| Net loans and leases to core deposits | 79.0682% | 3,359 |
| Total domestic deposits to total assets | 83.6264% | 4,475 |
| Equity capital to assets | 8.9532% | 5,753 |
| Core capital (leverage) ratio | 8.4917% | 5,661 |
| Tier 1 risk-based capital ratio | 13.1181% | 5,101 |
| Total risk-based capital ratio | 13.1859% | 5,938 |
| Memoranda: | ||
| Average total assets | $101,949,000 | 4,855 |
| Average earning assets | $90,362,670 | 4,918 |
| Average equity | $7,724,670 | 5,647 |
| Average total loans | $57,705,670 | 4,881 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5450% | 7,166 |
| Cost of funding earning assets | 0.4668% | 6,041 |
| Net interest margin | 2.0782% | 7,138 |
| Noninterest income to average assets | 2.7390% | 272 |
| Noninterest expense to average assets | 2.0582% | 6,365 |
| Loan and lease loss provision to assets | 0.0435% | 4,855 |
| Net operating income to assets | 2.4698% | 189 |
| Return on assets (ROA) | 2.4698% | 228 |
| Pretax return on assets | 2.4698% | 347 |
| Return on Equity (ROE) | 35.9473% | 61 |
| Retained earnings to average equity (ytd only) | 35.9473% | 42 |
| Net charge-offs to loans | -0.0068% | 5,853 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1558% | 6,982 |
| Assets per employee ($millions) | 3.2891% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0213% | 7,240 |
| Loan loss allowance to noncurrent loans | 0.6830% | 6,797 |
| Noncurrent assets plus other real estate owned to assets | 3.1767% | 1,821 |
| Noncurrent loans to loans | 3.1148% | 2,055 |
| Net loans and leases to total assets | 55.3113% | 4,507 |
| Net loans and leases to deposits | 64.9185% | 4,498 |
| Net loans and leases to core deposits | 68.4783% | 4,633 |
| Total domestic deposits to total assets | 85.2012% | 3,930 |
| Equity capital to assets | 8.9260% | 5,603 |
| Core capital (leverage) ratio | 8.2280% | 5,985 |
| Tier 1 risk-based capital ratio | 13.2040% | 5,065 |
| Total risk-based capital ratio | 13.2225% | 5,973 |
| Memoranda: | ||
| Average total assets | $101,059,500 | 4,915 |
| Average earning assets | $89,117,000 | 4,992 |
| Average equity | $6,943,500 | 5,888 |
| Average total loans | $58,694,500 | 4,869 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6971% | 4,262 |
| Cost of funding earning assets | 0.9303% | 3,875 |
| Net interest margin | 3.7668% | 3,997 |
| Noninterest income to average assets | -0.2837% | 7,193 |
| Noninterest expense to average assets | 4.1375% | 867 |
| Loan and lease loss provision to assets | 1.6144% | 434 |
| Net operating income to assets | -1.7746% | 6,980 |
| Return on assets (ROA) | -1.7746% | 6,999 |
| Pretax return on assets | -2.7431% | 7,155 |
| Return on Equity (ROE) | -34.3109% | 7,126 |
| Retained earnings to average equity (ytd only) | -34.3109% | 7,120 |
| Net charge-offs to loans | 0.7681% | 2,235 |
| Credit loss provision to net charge-offs | 324.4000% | 718 |
| Earnings coverage of net charge-offs (x) | -2.2680% | 6,292 |
| Efficiency ratio | 137.5124% | 191 |
| Assets per employee ($millions) | 2.7822% | 6,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5080% | 255 |
| Loan loss allowance to noncurrent loans | 48.8798% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 7.2475% | 623 |
| Noncurrent loans to loans | 9.2225% | 375 |
| Net loans and leases to total assets | 58.1401% | 4,349 |
| Net loans and leases to deposits | 66.1780% | 4,704 |
| Net loans and leases to core deposits | 69.5432% | 4,841 |
| Total domestic deposits to total assets | 87.8542% | 2,248 |
| Equity capital to assets | 4.7785% | 7,179 |
| Core capital (leverage) ratio | 3.3994% | 7,246 |
| Tier 1 risk-based capital ratio | 4.8287% | 7,247 |
| Total risk-based capital ratio | 6.1133% | 7,248 |
| Memoranda: | ||
| Average total assets | $100,471,200 | 4,880 |
| Average earning assets | $87,820,400 | 4,993 |
| Average equity | $5,196,600 | 6,388 |
| Average total loans | $65,095,200 | 4,674 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 3,462 |
| Cost of funding earning assets | 0.9663% | 3,923 |
| Net interest margin | 3.9562% | 3,123 |
| Noninterest income to average assets | 0.7492% | 2,320 |
| Noninterest expense to average assets | 5.6448% | 241 |
| Loan and lease loss provision to assets | 1.9386% | 286 |
| Net operating income to assets | -2.1959% | 7,171 |
| Return on assets (ROA) | -2.1959% | 7,178 |
| Pretax return on assets | -3.3813% | 7,297 |
| Return on Equity (ROE) | -41.6651% | 7,261 |
| Retained earnings to average equity (ytd only) | -41.6651% | 7,255 |
| Net charge-offs to loans | 0.6977% | 2,166 |
| Credit loss provision to net charge-offs | 422.5434% | 668 |
| Earnings coverage of net charge-offs (x) | -3.1445% | 6,067 |
| Efficiency ratio | 134.3326% | 202 |
| Assets per employee ($millions) | 2.4780% | 6,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3952% | 285 |
| Loan loss allowance to noncurrent loans | 60.7261% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 6.5282% | 790 |
| Noncurrent loans to loans | 7.2377% | 668 |
| Net loans and leases to total assets | 61.7392% | 3,792 |
| Net loans and leases to deposits | 70.7027% | 4,185 |
| Net loans and leases to core deposits | 73.2134% | 4,563 |
| Total domestic deposits to total assets | 87.3223% | 2,461 |
| Equity capital to assets | 5.1003% | 7,257 |
| Core capital (leverage) ratio | 3.3933% | 7,333 |
| Tier 1 risk-based capital ratio | 4.7674% | 7,334 |
| Total risk-based capital ratio | 6.0522% | 7,335 |
| Memoranda: | ||
| Average total assets | $100,549,500 | 4,913 |
| Average earning assets | $87,759,250 | 5,039 |
| Average equity | $5,299,250 | 6,402 |
| Average total loans | $66,123,750 | 4,671 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1765% | 2,358 |
| Cost of funding earning assets | 1.0132% | 3,864 |
| Net interest margin | 4.1633% | 2,176 |
| Noninterest income to average assets | 0.7383% | 2,331 |
| Noninterest expense to average assets | 9.2075% | 86 |
| Loan and lease loss provision to assets | 0.9877% | 884 |
| Net operating income to assets | -3.8094% | 7,379 |
| Return on assets (ROA) | -3.8094% | 7,380 |
| Pretax return on assets | -5.8261% | 7,457 |
| Return on Equity (ROE) | -71.5515% | 7,405 |
| Retained earnings to average equity (ytd only) | -71.5515% | 7,402 |
| Net charge-offs to loans | 0.8195% | 1,865 |
| Credit loss provision to net charge-offs | 182.2464% | 1,656 |
| Earnings coverage of net charge-offs (x) | -8.9275% | 5,826 |
| Efficiency ratio | 210.7416% | 52 |
| Assets per employee ($millions) | 2.3439% | 7,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8279% | 1,053 |
| Loan loss allowance to noncurrent loans | 132.7130% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 3.0698% | 2,188 |
| Noncurrent loans to loans | 2.1308% | 3,313 |
| Net loans and leases to total assets | 64.7150% | 3,317 |
| Net loans and leases to deposits | 76.5583% | 3,363 |
| Net loans and leases to core deposits | 79.3602% | 3,878 |
| Total domestic deposits to total assets | 84.5303% | 4,105 |
| Equity capital to assets | 4.3863% | 7,363 |
| Core capital (leverage) ratio | 2.5009% | 7,449 |
| Tier 1 risk-based capital ratio | 3.4035% | 7,452 |
| Total risk-based capital ratio | 4.6703% | 7,453 |
| Memoranda: | ||
| Average total assets | $101,852,000 | 4,905 |
| Average earning assets | $88,824,330 | 5,028 |
| Average equity | $5,422,670 | 6,397 |
| Average total loans | $67,362,000 | 4,662 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1003% | 2,650 |
| Cost of funding earning assets | 1.0404% | 3,915 |
| Net interest margin | 4.0598% | 2,434 |
| Noninterest income to average assets | 0.8382% | 1,893 |
| Noninterest expense to average assets | 6.3077% | 178 |
| Loan and lease loss provision to assets | 0.3129% | 2,668 |
| Net operating income to assets | -1.4446% | 7,182 |
| Return on assets (ROA) | -1.4446% | 7,186 |
| Pretax return on assets | -2.2403% | 7,294 |
| Return on Equity (ROE) | -25.0377% | 7,279 |
| Retained earnings to average equity (ytd only) | -25.0377% | 7,242 |
| Net charge-offs to loans | 1.2423% | 1,121 |
| Credit loss provision to net charge-offs | 38.2075% | 3,982 |
| Earnings coverage of net charge-offs (x) | -2.3538% | 4,973 |
| Efficiency ratio | 144.0035% | 195 |
| Assets per employee ($millions) | 2.4847% | 7,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1948% | 1,974 |
| Loan loss allowance to noncurrent loans | 88.0000% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 3.3836% | 2,017 |
| Noncurrent loans to loans | 2.4941% | 2,996 |
| Net loans and leases to total assets | 63.8813% | 3,453 |
| Net loans and leases to deposits | 75.4254% | 3,512 |
| Net loans and leases to core deposits | 78.5086% | 3,951 |
| Total domestic deposits to total assets | 84.6947% | 4,187 |
| Equity capital to assets | 5.6087% | 7,332 |
| Core capital (leverage) ratio | 5.2339% | 7,334 |
| Tier 1 risk-based capital ratio | 7.0470% | 7,364 |
| Total risk-based capital ratio | 8.3057% | 7,370 |
| Memoranda: | ||
| Average total assets | $103,556,000 | 4,902 |
| Average earning assets | $90,348,500 | 5,027 |
| Average equity | $5,975,000 | 6,257 |
| Average total loans | $68,262,000 | 4,677 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3518% | 2,889 |
| Cost of funding earning assets | 1.3451% | 3,608 |
| Net interest margin | 4.0067% | 2,996 |
| Noninterest income to average assets | 0.7105% | 2,784 |
| Noninterest expense to average assets | 4.5304% | 631 |
| Loan and lease loss provision to assets | 1.3970% | 1,075 |
| Net operating income to assets | -1.0958% | 6,737 |
| Return on assets (ROA) | -0.8921% | 6,656 |
| Pretax return on assets | -1.4030% | 6,821 |
| Return on Equity (ROE) | -12.3518% | 6,823 |
| Retained earnings to average equity (ytd only) | -14.5072% | 6,864 |
| Net charge-offs to loans | 0.7028% | 2,905 |
| Credit loss provision to net charge-offs | 291.6667% | 925 |
| Earnings coverage of net charge-offs (x) | -0.6771% | 6,522 |
| Efficiency ratio | 107.7106% | 583 |
| Assets per employee ($millions) | 2.3897% | 7,141 |
| Cash dividends to net income (ytd only)* | -17.4497% | 7,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3799% | 1,576 |
| Loan loss allowance to noncurrent loans | 33.4911% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 8.7022% | 530 |
| Noncurrent loans to loans | 7.1061% | 785 |
| Net loans and leases to total assets | 64.9471% | 3,675 |
| Net loans and leases to deposits | 77.4157% | 3,602 |
| Net loans and leases to core deposits | 80.7563% | 4,098 |
| Total domestic deposits to total assets | 83.8939% | 4,401 |
| Equity capital to assets | 5.9335% | 7,349 |
| Core capital (leverage) ratio | 6.3554% | 7,228 |
| Tier 1 risk-based capital ratio | 8.1726% | 7,339 |
| Total risk-based capital ratio | 9.4370% | 7,345 |
| Memoranda: | ||
| Average total assets | $100,212,200 | 4,981 |
| Average earning assets | $87,429,200 | 5,100 |
| Average equity | $7,237,800 | 5,954 |
| Average total loans | $68,300,400 | 4,740 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3827% | 2,959 |
| Cost of funding earning assets | 1.3801% | 3,704 |
| Net interest margin | 4.0026% | 3,099 |
| Noninterest income to average assets | 0.7070% | 2,787 |
| Noninterest expense to average assets | 4.2432% | 784 |
| Loan and lease loss provision to assets | 1.0524% | 1,401 |
| Net operating income to assets | -0.6777% | 6,718 |
| Return on assets (ROA) | -0.5115% | 6,648 |
| Pretax return on assets | -0.8262% | 6,755 |
| Return on Equity (ROE) | -6.7702% | 6,774 |
| Retained earnings to average equity (ytd only) | -9.5350% | 6,853 |
| Net charge-offs to loans | 0.7244% | 2,613 |
| Credit loss provision to net charge-offs | 211.8598% | 1,656 |
| Earnings coverage of net charge-offs (x) | -0.0674% | 6,082 |
| Efficiency ratio | 100.7952% | 717 |
| Assets per employee ($millions) | 2.3317% | 7,276 |
| Cash dividends to net income (ytd only)* | -40.8368% | 7,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 3,385 |
| Loan loss allowance to noncurrent loans | 36.4522% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 5.2631% | 1,188 |
| Noncurrent loans to loans | 4.4894% | 1,608 |
| Net loans and leases to total assets | 67.2608% | 3,394 |
| Net loans and leases to deposits | 80.0102% | 3,449 |
| Net loans and leases to core deposits | 83.5292% | 4,015 |
| Total domestic deposits to total assets | 84.0652% | 4,092 |
| Equity capital to assets | 7.3176% | 7,220 |
| Core capital (leverage) ratio | 7.1719% | 7,072 |
| Tier 1 risk-based capital ratio | 9.2384% | 7,319 |
| Total risk-based capital ratio | 10.4915% | 7,328 |
| Memoranda: | ||
| Average total assets | $99,576,250 | 5,065 |
| Average earning assets | $87,142,000 | 5,171 |
| Average equity | $7,523,000 | 5,937 |
| Average total loans | $68,284,500 | 4,815 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5328% | 2,397 |
| Cost of funding earning assets | 1.3699% | 4,060 |
| Net interest margin | 4.1628% | 2,283 |
| Noninterest income to average assets | 0.6945% | 2,739 |
| Noninterest expense to average assets | 4.2981% | 729 |
| Loan and lease loss provision to assets | 0.2174% | 4,712 |
| Net operating income to assets | -0.1409% | 6,281 |
| Return on assets (ROA) | 0.0544% | 6,083 |
| Pretax return on assets | 0.0081% | 6,144 |
| Return on Equity (ROE) | 0.7119% | 6,028 |
| Retained earnings to average equity (ytd only) | -3.4015% | 6,357 |
| Net charge-offs to loans | 0.0117% | 6,181 |
| Credit loss provision to net charge-offs | 2,700.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 3,192 |
| Efficiency ratio | 99.3023% | 828 |
| Assets per employee ($millions) | 2.3490% | 7,300 |
| Cash dividends to net income (ytd only)* | 577.7778% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 5,595 |
| Loan loss allowance to noncurrent loans | 23.0791% | 6,790 |
| Noncurrent assets plus other real estate owned to assets | 5.9781% | 989 |
| Noncurrent loans to loans | 5.0761% | 1,353 |
| Net loans and leases to total assets | 69.3452% | 3,050 |
| Net loans and leases to deposits | 85.3301% | 2,627 |
| Net loans and leases to core deposits | 88.9767% | 3,411 |
| Total domestic deposits to total assets | 81.2670% | 5,307 |
| Equity capital to assets | 7.7955% | 6,933 |
| Core capital (leverage) ratio | 7.6517% | 6,672 |
| Tier 1 risk-based capital ratio | 9.7475% | 7,160 |
| Total risk-based capital ratio | 10.7796% | 7,252 |
| Memoranda: | ||
| Average total assets | $99,346,670 | 5,098 |
| Average earning assets | $86,719,670 | 5,216 |
| Average equity | $7,585,000 | 5,932 |
| Average total loans | $68,192,330 | 4,856 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5140% | 2,519 |
| Cost of funding earning assets | 1.4130% | 4,099 |
| Net interest margin | 4.1010% | 2,437 |
| Noninterest income to average assets | 0.6540% | 2,905 |
| Noninterest expense to average assets | 3.8399% | 1,259 |
| Loan and lease loss provision to assets | 0.2167% | 4,336 |
| Net operating income to assets | 0.1294% | 5,931 |
| Return on assets (ROA) | 0.2648% | 5,560 |
| Pretax return on assets | 0.3531% | 5,444 |
| Return on Equity (ROE) | 3.5050% | 5,112 |
| Retained earnings to average equity (ytd only) | -4.7796% | 6,572 |
| Net charge-offs to loans | 0.0296% | 5,156 |
| Credit loss provision to net charge-offs | 1,080.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 19.4000% | 1,201 |
| Efficiency ratio | 90.7970% | 1,368 |
| Assets per employee ($millions) | 2.3232% | 7,433 |
| Cash dividends to net income (ytd only)* | 236.3636% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 5,936 |
| Loan loss allowance to noncurrent loans | 27.7635% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 5.4538% | 1,133 |
| Noncurrent loans to loans | 4.0168% | 1,949 |
| Net loans and leases to total assets | 65.5779% | 3,959 |
| Net loans and leases to deposits | 89.0913% | 2,052 |
| Net loans and leases to core deposits | 93.1145% | 2,961 |
| Total domestic deposits to total assets | 73.6074% | 7,095 |
| Equity capital to assets | 7.3712% | 7,164 |
| Core capital (leverage) ratio | 7.5958% | 6,744 |
| Tier 1 risk-based capital ratio | 9.8142% | 7,142 |
| Total risk-based capital ratio | 10.7782% | 7,286 |
| Memoranda: | ||
| Average total assets | $99,690,000 | 5,160 |
| Average earning assets | $86,905,500 | 5,278 |
| Average equity | $7,532,000 | 6,003 |
| Average total loans | $67,675,000 | 4,944 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7780% | 2,751 |
| Cost of funding earning assets | 1.9256% | 3,330 |
| Net interest margin | 3.8524% | 3,474 |
| Noninterest income to average assets | 0.8285% | 2,277 |
| Noninterest expense to average assets | 3.9939% | 1,370 |
| Loan and lease loss provision to assets | 0.0106% | 7,373 |
| Net operating income to assets | 0.1705% | 4,996 |
| Return on assets (ROA) | 0.2026% | 4,957 |
| Pretax return on assets | 0.2281% | 4,940 |
| Return on Equity (ROE) | 2.4329% | 4,739 |
| Retained earnings to average equity (ytd only) | -4.1016% | 5,883 |
| Net charge-offs to loans | 0.1313% | 5,886 |
| Credit loss provision to net charge-offs | 11.4943% | 6,969 |
| Earnings coverage of net charge-offs (x) | 2.1954% | 4,078 |
| Efficiency ratio | 95.1719% | 1,344 |
| Assets per employee ($millions) | 2.2595% | 7,519 |
| Cash dividends to net income (ytd only)* | 268.5864% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 6,146 |
| Loan loss allowance to noncurrent loans | 21.5878% | 6,979 |
| Noncurrent assets plus other real estate owned to assets | 6.0757% | 925 |
| Noncurrent loans to loans | 4.8476% | 1,417 |
| Net loans and leases to total assets | 68.8075% | 3,530 |
| Net loans and leases to deposits | 89.7174% | 2,256 |
| Net loans and leases to core deposits | 112.3582% | 2,662 |
| Total domestic deposits to total assets | 76.6936% | 6,550 |
| Equity capital to assets | 7.7492% | 6,817 |
| Core capital (leverage) ratio | 8.0529% | 6,079 |
| Tier 1 risk-based capital ratio | 10.0919% | 6,794 |
| Total risk-based capital ratio | 11.0080% | 7,042 |
| Memoranda: | ||
| Average total assets | $94,269,200 | 5,263 |
| Average earning assets | $82,416,000 | 5,385 |
| Average equity | $7,850,600 | 5,977 |
| Average total loans | $66,235,400 | 5,009 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8360% | 2,721 |
| Cost of funding earning assets | 2.0317% | 3,210 |
| Net interest margin | 3.8043% | 3,638 |
| Noninterest income to average assets | 0.9236% | 1,889 |
| Noninterest expense to average assets | 4.0464% | 1,219 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1796% | 5,222 |
| Return on assets (ROA) | 0.1796% | 5,289 |
| Pretax return on assets | 0.2052% | 5,289 |
| Return on Equity (ROE) | 2.1183% | 5,127 |
| Retained earnings to average equity (ytd only) | -6.5060% | 6,446 |
| Net charge-offs to loans | 0.1780% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.6364% | 4,564 |
| Efficiency ratio | 95.1726% | 1,319 |
| Assets per employee ($millions) | 2.1536% | 7,659 |
| Cash dividends to net income (ytd only)* | 407.1310% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 5,912 |
| Loan loss allowance to noncurrent loans | 41.3302% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 4.8228% | 1,226 |
| Noncurrent loans to loans | 2.5852% | 2,921 |
| Net loans and leases to total assets | 66.4961% | 4,308 |
| Net loans and leases to deposits | 83.6034% | 3,710 |
| Net loans and leases to core deposits | 108.1039% | 3,459 |
| Total domestic deposits to total assets | 79.5375% | 5,613 |
| Equity capital to assets | 7.7976% | 7,044 |
| Core capital (leverage) ratio | 8.0793% | 6,221 |
| Tier 1 risk-based capital ratio | 10.2381% | 6,745 |
| Total risk-based capital ratio | 11.1607% | 7,012 |
| Memoranda: | ||
| Average total assets | $93,547,000 | 5,312 |
| Average earning assets | $81,834,500 | 5,427 |
| Average equity | $7,931,000 | 6,006 |
| Average total loans | $65,904,500 | 5,069 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8902% | 2,629 |
| Cost of funding earning assets | 2.0811% | 3,356 |
| Net interest margin | 3.8092% | 3,518 |
| Noninterest income to average assets | 0.8937% | 2,010 |
| Noninterest expense to average assets | 3.9924% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2164% | 5,200 |
| Return on assets (ROA) | 0.2164% | 5,282 |
| Pretax return on assets | 0.2640% | 5,287 |
| Return on Equity (ROE) | 2.4827% | 5,114 |
| Retained earnings to average equity (ytd only) | 2.4827% | 3,957 |
| Net charge-offs to loans | 0.2207% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.6712% | 4,293 |
| Efficiency ratio | 93.7977% | 1,511 |
| Assets per employee ($millions) | 2.1406% | 7,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 5,676 |
| Loan loss allowance to noncurrent loans | 4,182.3529% | 112 |
| Noncurrent assets plus other real estate owned to assets | 3.1172% | 2,017 |
| Noncurrent loans to loans | 0.0260% | 7,474 |
| Net loans and leases to total assets | 68.5979% | 4,048 |
| Net loans and leases to deposits | 82.4383% | 4,154 |
| Net loans and leases to core deposits | 109.1863% | 3,473 |
| Total domestic deposits to total assets | 83.2112% | 4,144 |
| Equity capital to assets | 8.4087% | 6,178 |
| Core capital (leverage) ratio | 8.4056% | 5,604 |
| Tier 1 risk-based capital ratio | 10.9144% | 5,969 |
| Total risk-based capital ratio | 11.8596% | 6,219 |
| Memoranda: | ||
| Average total assets | $92,424,670 | 5,388 |
| Average earning assets | $81,592,670 | 5,483 |
| Average equity | $8,055,670 | 6,000 |
| Average total loans | $66,159,330 | 5,103 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8020% | 3,292 |
| Cost of funding earning assets | 2.0631% | 3,815 |
| Net interest margin | 3.7390% | 3,719 |
| Noninterest income to average assets | 0.9307% | 1,735 |
| Noninterest expense to average assets | 4.0593% | 1,114 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1792% | 5,719 |
| Return on assets (ROA) | 0.1792% | 5,892 |
| Pretax return on assets | 0.2054% | 5,925 |
| Return on Equity (ROE) | 2.0188% | 5,770 |
| Retained earnings to average equity (ytd only) | 2.0188% | 4,739 |
| Net charge-offs to loans | 0.0120% | 5,444 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,275 |
| Efficiency ratio | 95.1844% | 1,367 |
| Assets per employee ($millions) | 2.1868% | 7,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 5,157 |
| Loan loss allowance to noncurrent loans | 30.9335% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 3.2011% | 1,734 |
| Noncurrent loans to loans | 3.7038% | 1,687 |
| Net loans and leases to total assets | 71.7561% | 3,298 |
| Net loans and leases to deposits | 92.3870% | 2,533 |
| Net loans and leases to core deposits | 119.6903% | 2,445 |
| Total domestic deposits to total assets | 77.6691% | 6,113 |
| Equity capital to assets | 8.5599% | 5,975 |
| Core capital (leverage) ratio | 8.6971% | 5,155 |
| Tier 1 risk-based capital ratio | 10.7191% | 6,169 |
| Total risk-based capital ratio | 11.7475% | 6,308 |
| Memoranda: | ||
| Average total assets | $91,543,000 | 5,438 |
| Average earning assets | $81,626,500 | 5,499 |
| Average equity | $8,123,500 | 6,008 |
| Average total loans | $66,578,000 | 5,117 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8707% | 1,489 |
| Cost of funding earning assets | 2.5777% | 3,810 |
| Net interest margin | 4.2931% | 2,003 |
| Noninterest income to average assets | 0.8432% | 2,275 |
| Noninterest expense to average assets | 4.3209% | 1,021 |
| Loan and lease loss provision to assets | 0.1152% | 5,898 |
| Net operating income to assets | 0.2684% | 5,651 |
| Return on assets (ROA) | 0.2684% | 5,471 |
| Pretax return on assets | 0.2500% | 5,624 |
| Return on Equity (ROE) | 2.7644% | 5,317 |
| Retained earnings to average equity (ytd only) | -8.2101% | 6,902 |
| Net charge-offs to loans | 0.1401% | 4,820 |
| Credit loss provision to net charge-offs | 112.3596% | 4,796 |
| Earnings coverage of net charge-offs (x) | 3.5618% | 4,311 |
| Efficiency ratio | 92.2075% | 1,370 |
| Assets per employee ($millions) | 1.9790% | 7,930 |
| Cash dividends to net income (ytd only)* | 396.9957% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 4,468 |
| Loan loss allowance to noncurrent loans | 51.1749% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 2.3143% | 2,103 |
| Noncurrent loans to loans | 2.3605% | 2,330 |
| Net loans and leases to total assets | 71.9971% | 3,584 |
| Net loans and leases to deposits | 94.3633% | 2,701 |
| Net loans and leases to core deposits | 120.4324% | 2,646 |
| Total domestic deposits to total assets | 76.2978% | 6,170 |
| Equity capital to assets | 9.2055% | 5,069 |
| Core capital (leverage) ratio | 9.1546% | 4,520 |
| Tier 1 risk-based capital ratio | 11.2015% | 5,537 |
| Total risk-based capital ratio | 12.2830% | 5,590 |
| Memoranda: | ||
| Average total assets | $86,811,200 | 5,454 |
| Average earning assets | $77,706,400 | 5,515 |
| Average equity | $8,428,600 | 5,933 |
| Average total loans | $63,543,200 | 5,119 |