Home > Independent Correspondent Bankers' Bank, Inc. > Performance and Condition Ratios
Independent Correspondent Bankers' Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4768% | 1,195 |
| Cost of funding earning assets | 2.9157% | 168 |
| Net interest margin | 2.5610% | 4,018 |
| Noninterest income to average assets | 1.3000% | 458 |
| Noninterest expense to average assets | 3.1385% | 904 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.5496% | 3,567 |
| Return on assets (ROA) | 0.5496% | 3,556 |
| Pretax return on assets | 0.6005% | 3,633 |
| Return on Equity (ROE) | 4.7000% | 3,774 |
| Retained earnings to average equity (ytd only) | 4.6990% | 2,711 |
| Net charge-offs to loans | -0.0041% | 3,789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.0110% | 718 |
| Assets per employee ($millions) | 4.4700% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 1,697 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 53.4200% | 3,391 |
| Net loans and leases to deposits | 124.1309% | 62 |
| Net loans and leases to core deposits | 144.4818% | 237 |
| Total domestic deposits to total assets | 43.0400% | 4,481 |
| Equity capital to assets | 12.7581% | 920 |
| Core capital (leverage) ratio | 13.4352% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7748% | 310 |
| Memoranda: | ||
| Average total assets | $153,196,000 | 3,328 |
| Average earning assets | $148,573,400 | 3,263 |
| Average equity | $17,918,800 | 3,020 |
| Average total loans | $72,557,200 | 3,516 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3780% | 1,165 |
| Cost of funding earning assets | 3.0074% | 118 |
| Net interest margin | 2.3706% | 4,263 |
| Noninterest income to average assets | 1.2800% | 467 |
| Noninterest expense to average assets | 2.7371% | 1,575 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.5976% | 3,549 |
| Return on assets (ROA) | 0.5976% | 3,536 |
| Pretax return on assets | 0.7988% | 3,338 |
| Return on Equity (ROE) | 5.2200% | 3,777 |
| Retained earnings to average equity (ytd only) | 5.2177% | 2,868 |
| Net charge-offs to loans | -0.0037% | 3,685 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.2279% | 1,153 |
| Assets per employee ($millions) | 3.8531% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 1,416 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 54.3800% | 3,332 |
| Net loans and leases to deposits | 115.1091% | 118 |
| Net loans and leases to core deposits | 135.3671% | 273 |
| Total domestic deposits to total assets | 47.2400% | 4,505 |
| Equity capital to assets | 13.8201% | 674 |
| Core capital (leverage) ratio | 11.8859% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1684% | 426 |
| Memoranda: | ||
| Average total assets | $155,735,250 | 3,319 |
| Average earning assets | $151,798,500 | 3,246 |
| Average equity | $17,836,250 | 3,016 |
| Average total loans | $71,338,000 | 3,534 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1367% | 1,307 |
| Cost of funding earning assets | 2.8056% | 109 |
| Net interest margin | 2.3311% | 4,344 |
| Noninterest income to average assets | 1.2200% | 431 |
| Noninterest expense to average assets | 2.5198% | 2,152 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.6672% | 3,416 |
| Return on assets (ROA) | 0.6672% | 3,420 |
| Pretax return on assets | 0.8928% | 3,183 |
| Return on Equity (ROE) | 6.1600% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.1645% | 2,560 |
| Net charge-offs to loans | -0.0056% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.1873% | 1,531 |
| Assets per employee ($millions) | 5.3430% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 1,624 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 39.0000% | 4,070 |
| Net loans and leases to deposits | 114.5428% | 142 |
| Net loans and leases to core deposits | 132.1747% | 298 |
| Total domestic deposits to total assets | 34.0500% | 4,546 |
| Equity capital to assets | 9.6008% | 2,093 |
| Core capital (leverage) ratio | 11.0064% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2917% | 470 |
| Memoranda: | ||
| Average total assets | $163,978,667 | 3,255 |
| Average earning assets | $159,753,667 | 3,194 |
| Average equity | $17,746,667 | 3,043 |
| Average total loans | $71,031,000 | 3,543 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 1,158 |
| Cost of funding earning assets | 2.5735% | 84 |
| Net interest margin | 2.4639% | 4,338 |
| Noninterest income to average assets | 1.3600% | 368 |
| Noninterest expense to average assets | 2.5921% | 1,973 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.8422% | 3,045 |
| Return on assets (ROA) | 0.8422% | 3,003 |
| Pretax return on assets | 1.0599% | 2,830 |
| Return on Equity (ROE) | 7.2800% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.2777% | 2,425 |
| Net charge-offs to loans | -0.0057% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.6111% | 1,903 |
| Assets per employee ($millions) | 4.9519% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 1,815 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 46.1300% | 3,770 |
| Net loans and leases to deposits | 133.6460% | 38 |
| Net loans and leases to core deposits | 158.1374% | 96 |
| Total domestic deposits to total assets | 34.5200% | 4,600 |
| Equity capital to assets | 11.1882% | 1,271 |
| Core capital (leverage) ratio | 11.5815% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2792% | 418 |
| Memoranda: | ||
| Average total assets | $152,465,000 | 3,402 |
| Average earning assets | $149,681,000 | 3,321 |
| Average equity | $17,643,000 | 3,071 |
| Average total loans | $69,571,000 | 3,616 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1961% | 3,822 |
| Cost of funding earning assets | 1.0795% | 124 |
| Net interest margin | 2.1166% | 4,514 |
| Noninterest income to average assets | 1.9700% | 248 |
| Noninterest expense to average assets | 3.2426% | 680 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.4987% | 4,088 |
| Return on assets (ROA) | 0.4987% | 4,051 |
| Pretax return on assets | 0.6975% | 3,849 |
| Return on Equity (ROE) | 3.8300% | 4,190 |
| Retained earnings to average equity (ytd only) | 3.8313% | 3,453 |
| Net charge-offs to loans | -0.0757% | 4,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.0450% | 714 |
| Assets per employee ($millions) | 5.0507% | 3,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,163 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 43.8500% | 3,903 |
| Net loans and leases to deposits | 136.3144% | 28 |
| Net loans and leases to core deposits | 160.1586% | 70 |
| Total domestic deposits to total assets | 32.1700% | 4,630 |
| Equity capital to assets | 11.9868% | 938 |
| Core capital (leverage) ratio | 12.0600% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $131,747,000 | 3,614 |
| Average earning assets | $129,502,000 | 3,535 |
| Average equity | $17,148,200 | 3,195 |
| Average total loans | $52,855,600 | 3,850 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6154% | 4,379 |
| Cost of funding earning assets | 0.6565% | 323 |
| Net interest margin | 1.9589% | 4,562 |
| Noninterest income to average assets | 1.6200% | 334 |
| Noninterest expense to average assets | 2.9598% | 959 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.3550% | 4,317 |
| Return on assets (ROA) | 0.3550% | 4,263 |
| Pretax return on assets | 0.4997% | 4,148 |
| Return on Equity (ROE) | 2.6700% | 4,336 |
| Retained earnings to average equity (ytd only) | 2.6672% | 3,870 |
| Net charge-offs to loans | -0.1044% | 4,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.3969% | 585 |
| Assets per employee ($millions) | 4.9183% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,250 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 41.5100% | 4,002 |
| Net loans and leases to deposits | 118.2419% | 63 |
| Net loans and leases to core deposits | 137.4689% | 112 |
| Total domestic deposits to total assets | 35.1100% | 4,672 |
| Equity capital to assets | 12.0878% | 870 |
| Core capital (leverage) ratio | 12.2459% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6191% | 277 |
| Memoranda: | ||
| Average total assets | $128,066,500 | 3,679 |
| Average earning assets | $125,919,500 | 3,592 |
| Average equity | $17,046,000 | 3,238 |
| Average total loans | $49,809,000 | 3,913 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1209% | 4,596 |
| Cost of funding earning assets | 0.2891% | 1,810 |
| Net interest margin | 1.8319% | 4,619 |
| Noninterest income to average assets | 1.7044% | 282 |
| Noninterest expense to average assets | 2.9965% | 843 |
| Loan and lease loss provision to assets | 0.0422% | 1,811 |
| Net operating income to assets | 0.3555% | 4,201 |
| Return on assets (ROA) | 0.3555% | 4,155 |
| Pretax return on assets | 0.4659% | 4,051 |
| Return on Equity (ROE) | 2.5794% | 4,279 |
| Retained earnings to average equity (ytd only) | 2.5794% | 3,589 |
| Net charge-offs to loans | -0.1680% | 4,561 |
| Credit loss provision to net charge-offs | -66.6667% | 3,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5025% | 598 |
| Assets per employee ($millions) | 4.4133% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 42.4434% | 3,943 |
| Net loans and leases to deposits | 110.0304% | 95 |
| Net loans and leases to core deposits | 128.2207% | 131 |
| Total domestic deposits to total assets | 38.5742% | 4,738 |
| Equity capital to assets | 13.3756% | 596 |
| Core capital (leverage) ratio | 13.9411% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9050% | 194 |
| Memoranda: | ||
| Average total assets | $123,211,667 | 3,772 |
| Average earning assets | $121,078,667 | 3,685 |
| Average equity | $16,981,000 | 3,327 |
| Average total loans | $46,424,333 | 4,019 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6309% | 4,697 |
| Cost of funding earning assets | 0.0371% | 4,680 |
| Net interest margin | 1.5939% | 4,673 |
| Noninterest income to average assets | 1.5361% | 346 |
| Noninterest expense to average assets | 2.9928% | 828 |
| Loan and lease loss provision to assets | 0.0033% | 2,244 |
| Net operating income to assets | 0.0795% | 4,491 |
| Return on assets (ROA) | 0.0795% | 4,465 |
| Pretax return on assets | 0.1059% | 4,440 |
| Return on Equity (ROE) | 0.5676% | 4,477 |
| Retained earnings to average equity (ytd only) | 0.5676% | 3,908 |
| Net charge-offs to loans | -0.3608% | 4,681 |
| Credit loss provision to net charge-offs | -2.6316% | 2,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4781% | 318 |
| Assets per employee ($millions) | 4.0377% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 1,374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 35.7915% | 4,224 |
| Net loans and leases to deposits | 88.7714% | 573 |
| Net loans and leases to core deposits | 104.2279% | 390 |
| Total domestic deposits to total assets | 40.3187% | 4,759 |
| Equity capital to assets | 14.4536% | 454 |
| Core capital (leverage) ratio | 14.3576% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.9573% | 123 |
| Memoranda: | ||
| Average total assets | $120,824,000 | 3,808 |
| Average earning assets | $118,705,000 | 3,731 |
| Average equity | $16,912,000 | 3,402 |
| Average total loans | $42,130,000 | 4,120 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1197% | 4,647 |
| Cost of funding earning assets | 0.0569% | 4,658 |
| Net interest margin | 2.0628% | 4,567 |
| Noninterest income to average assets | 1.9662% | 326 |
| Noninterest expense to average assets | 2.8870% | 1,182 |
| Loan and lease loss provision to assets | 0.0400% | 2,239 |
| Net operating income to assets | 0.6644% | 3,710 |
| Return on assets (ROA) | 0.6644% | 3,765 |
| Pretax return on assets | 1.0621% | 3,098 |
| Return on Equity (ROE) | 4.4068% | 4,125 |
| Retained earnings to average equity (ytd only) | 4.4068% | 3,051 |
| Net charge-offs to loans | -0.0023% | 3,392 |
| Credit loss provision to net charge-offs | -4,300.0000% | 4,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3736% | 1,468 |
| Assets per employee ($millions) | 4.6019% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 1,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 33.0457% | 4,407 |
| Net loans and leases to deposits | 92.6779% | 432 |
| Net loans and leases to core deposits | 104.4704% | 400 |
| Total domestic deposits to total assets | 35.6566% | 4,811 |
| Equity capital to assets | 13.3567% | 808 |
| Core capital (leverage) ratio | 14.0512% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9287% | 132 |
| Memoranda: | ||
| Average total assets | $107,620,200 | 3,916 |
| Average earning assets | $105,535,400 | 3,848 |
| Average equity | $16,225,000 | 3,521 |
| Average total loans | $42,592,000 | 4,140 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2539% | 4,692 |
| Cost of funding earning assets | 0.0776% | 4,648 |
| Net interest margin | 2.1763% | 4,584 |
| Noninterest income to average assets | 2.1495% | 312 |
| Noninterest expense to average assets | 3.1392% | 773 |
| Loan and lease loss provision to assets | 0.0551% | 1,885 |
| Net operating income to assets | 0.6443% | 3,915 |
| Return on assets (ROA) | 0.6443% | 3,969 |
| Pretax return on assets | 1.0864% | 3,228 |
| Return on Equity (ROE) | 4.1324% | 4,280 |
| Retained earnings to average equity (ytd only) | 4.1324% | 3,533 |
| Net charge-offs to loans | -0.0031% | 3,311 |
| Credit loss provision to net charge-offs | -4,300.0000% | 4,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3293% | 1,276 |
| Assets per employee ($millions) | 4.0351% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5980% | 1,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 34.1187% | 4,463 |
| Net loans and leases to deposits | 87.0689% | 763 |
| Net loans and leases to core deposits | 98.1564% | 655 |
| Total domestic deposits to total assets | 39.1859% | 4,876 |
| Equity capital to assets | 14.4988% | 636 |
| Core capital (leverage) ratio | 10.9399% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5751% | 138 |
| Memoranda: | ||
| Average total assets | $103,462,250 | 4,014 |
| Average earning assets | $101,332,750 | 3,942 |
| Average equity | $16,132,250 | 3,573 |
| Average total loans | $42,818,500 | 4,186 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2319% | 4,747 |
| Cost of funding earning assets | 0.0856% | 4,664 |
| Net interest margin | 2.1463% | 4,628 |
| Noninterest income to average assets | 2.2455% | 283 |
| Noninterest expense to average assets | 3.3503% | 577 |
| Loan and lease loss provision to assets | 0.0538% | 1,960 |
| Net operating income to assets | 0.6621% | 3,850 |
| Return on assets (ROA) | 0.6621% | 3,913 |
| Pretax return on assets | 0.9413% | 3,566 |
| Return on Equity (ROE) | 4.1372% | 4,308 |
| Retained earnings to average equity (ytd only) | 4.1372% | 3,481 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0996% | 981 |
| Assets per employee ($millions) | 4.2548% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 2,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 41.6701% | 4,205 |
| Net loans and leases to deposits | 111.0394% | 105 |
| Net loans and leases to core deposits | 126.2440% | 159 |
| Total domestic deposits to total assets | 37.5273% | 4,915 |
| Equity capital to assets | 14.6557% | 591 |
| Core capital (leverage) ratio | 14.4027% | 560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7791% | 191 |
| Memoranda: | ||
| Average total assets | $100,289,000 | 4,063 |
| Average earning assets | $98,120,667 | 3,990 |
| Average equity | $16,049,333 | 3,588 |
| Average total loans | $44,033,333 | 4,193 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2467% | 4,777 |
| Cost of funding earning assets | 0.1205% | 4,517 |
| Net interest margin | 2.1262% | 4,665 |
| Noninterest income to average assets | 2.4600% | 274 |
| Noninterest expense to average assets | 3.4819% | 479 |
| Loan and lease loss provision to assets | 0.0421% | 2,223 |
| Net operating income to assets | 0.7275% | 3,643 |
| Return on assets (ROA) | 0.7275% | 3,709 |
| Pretax return on assets | 1.0135% | 3,335 |
| Return on Equity (ROE) | 4.3338% | 4,220 |
| Retained earnings to average equity (ytd only) | 4.3338% | 3,408 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7377% | 1,061 |
| Assets per employee ($millions) | 3.7154% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 1,950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 44.8399% | 4,051 |
| Net loans and leases to deposits | 121.8834% | 60 |
| Net loans and leases to core deposits | 121.8834% | 224 |
| Total domestic deposits to total assets | 36.7892% | 4,943 |
| Equity capital to assets | 17.2836% | 291 |
| Core capital (leverage) ratio | 14.5675% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.9532% | 161 |
| Memoranda: | ||
| Average total assets | $95,120,500 | 4,128 |
| Average earning assets | $92,935,000 | 4,065 |
| Average equity | $15,967,500 | 3,604 |
| Average total loans | $42,696,500 | 4,242 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0460% | 4,969 |
| Cost of funding earning assets | 0.3029% | 4,125 |
| Net interest margin | 0.7431% | 4,974 |
| Noninterest income to average assets | 0.9566% | 1,124 |
| Noninterest expense to average assets | 1.1577% | 4,910 |
| Loan and lease loss provision to assets | 0.0411% | 3,884 |
| Net operating income to assets | 0.3706% | 4,303 |
| Return on assets (ROA) | 0.3706% | 4,382 |
| Pretax return on assets | 0.4940% | 4,282 |
| Return on Equity (ROE) | 5.8899% | 3,617 |
| Retained earnings to average equity (ytd only) | 5.8899% | 1,848 |
| Net charge-offs to loans | -0.0050% | 4,126 |
| Credit loss provision to net charge-offs | -5,050.0000% | 4,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3907% | 2,181 |
| Assets per employee ($millions) | 3.8942% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 2,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 43.7255% | 4,264 |
| Net loans and leases to deposits | 134.0165% | 36 |
| Net loans and leases to core deposits | 134.0165% | 165 |
| Total domestic deposits to total assets | 32.6270% | 4,968 |
| Equity capital to assets | 16.3125% | 400 |
| Core capital (leverage) ratio | 16.0498% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6589% | 168 |
| Memoranda: | ||
| Average total assets | $245,567,200 | 2,605 |
| Average earning assets | $243,306,200 | 2,505 |
| Average equity | $15,450,200 | 3,615 |
| Average total loans | $40,352,800 | 4,303 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9563% | 5,019 |
| Cost of funding earning assets | 0.3167% | 4,234 |
| Net interest margin | 0.6396% | 5,020 |
| Noninterest income to average assets | 0.8298% | 1,395 |
| Noninterest expense to average assets | 0.9808% | 4,972 |
| Loan and lease loss provision to assets | 0.0308% | 3,950 |
| Net operating income to assets | 0.3453% | 4,366 |
| Return on assets (ROA) | 0.3453% | 4,423 |
| Pretax return on assets | 0.4529% | 4,369 |
| Return on Equity (ROE) | 6.3613% | 3,419 |
| Retained earnings to average equity (ytd only) | 6.3613% | 1,938 |
| Net charge-offs to loans | -0.0034% | 3,970 |
| Credit loss provision to net charge-offs | -6,500.0000% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9781% | 2,316 |
| Assets per employee ($millions) | 3.9600% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 1,987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 42.1090% | 4,492 |
| Net loans and leases to deposits | 142.4098% | 36 |
| Net loans and leases to core deposits | 142.4098% | 153 |
| Total domestic deposits to total assets | 29.5689% | 5,005 |
| Equity capital to assets | 16.5227% | 412 |
| Core capital (leverage) ratio | 10.3258% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.8268% | 167 |
| Memoranda: | ||
| Average total assets | $282,620,250 | 2,362 |
| Average earning assets | $280,382,500 | 2,271 |
| Average equity | $15,342,500 | 3,622 |
| Average total loans | $39,653,250 | 4,338 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8726% | 5,057 |
| Cost of funding earning assets | 0.3637% | 4,207 |
| Net interest margin | 0.5089% | 5,057 |
| Noninterest income to average assets | 0.7052% | 1,720 |
| Noninterest expense to average assets | 0.7852% | 5,032 |
| Loan and lease loss provision to assets | 0.0249% | 3,943 |
| Net operating income to assets | 0.3054% | 4,408 |
| Return on assets (ROA) | 0.3054% | 4,456 |
| Pretax return on assets | 0.4010% | 4,408 |
| Return on Equity (ROE) | 6.9240% | 3,160 |
| Retained earnings to average equity (ytd only) | 6.9240% | 1,692 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8325% | 2,687 |
| Assets per employee ($millions) | 29.0307% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 1,987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 5.6713% | 5,026 |
| Net loans and leases to deposits | 159.3306% | 17 |
| Net loans and leases to core deposits | 159.3306% | 81 |
| Total domestic deposits to total assets | 3.5594% | 5,055 |
| Equity capital to assets | 2.2244% | 5,064 |
| Core capital (leverage) ratio | 2.5055% | 5,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.2813% | 171 |
| Memoranda: | ||
| Average total assets | $345,147,333 | 2,024 |
| Average earning assets | $343,098,333 | 1,930 |
| Average equity | $15,222,333 | 3,636 |
| Average total loans | $39,349,333 | 4,364 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1525% | 5,076 |
| Cost of funding earning assets | 1.1682% | 854 |
| Net interest margin | 0.9843% | 5,107 |
| Noninterest income to average assets | 1.3652% | 477 |
| Noninterest expense to average assets | 1.5825% | 4,867 |
| Loan and lease loss provision to assets | 0.0496% | 3,158 |
| Net operating income to assets | 0.5362% | 3,784 |
| Return on assets (ROA) | 0.5362% | 3,846 |
| Pretax return on assets | 0.7062% | 3,667 |
| Return on Equity (ROE) | 6.0194% | 3,307 |
| Retained earnings to average equity (ytd only) | 6.0194% | 1,862 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6768% | 2,725 |
| Assets per employee ($millions) | 7.7117% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 1,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 22.2217% | 4,993 |
| Net loans and leases to deposits | 142.8849% | 17 |
| Net loans and leases to core deposits | 142.8849% | 149 |
| Total domestic deposits to total assets | 15.5522% | 5,091 |
| Equity capital to assets | 9.3847% | 4,328 |
| Core capital (leverage) ratio | 10.3392% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6308% | 159 |
| Memoranda: | ||
| Average total assets | $169,352,500 | 3,144 |
| Average earning assets | $167,432,500 | 3,040 |
| Average equity | $15,084,500 | 3,652 |
| Average total loans | $39,006,000 | 4,397 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9137% | 5,075 |
| Cost of funding earning assets | 1.6312% | 265 |
| Net interest margin | 1.2825% | 5,145 |
| Noninterest income to average assets | 1.3162% | 549 |
| Noninterest expense to average assets | 1.7951% | 4,777 |
| Loan and lease loss provision to assets | 0.0780% | 2,436 |
| Net operating income to assets | 0.5384% | 4,313 |
| Return on assets (ROA) | 0.5384% | 4,367 |
| Pretax return on assets | 0.7087% | 4,193 |
| Return on Equity (ROE) | 5.4045% | 4,104 |
| Retained earnings to average equity (ytd only) | 5.4045% | 2,225 |
| Net charge-offs to loans | -0.0026% | 4,252 |
| Credit loss provision to net charge-offs | -11,400.0000% | 4,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5284% | 2,243 |
| Assets per employee ($millions) | 8.8380% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 2,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 23.2213% | 5,044 |
| Net loans and leases to deposits | 44.5939% | 4,816 |
| Net loans and leases to core deposits | 44.5939% | 4,860 |
| Total domestic deposits to total assets | 52.0729% | 5,122 |
| Equity capital to assets | 8.4697% | 4,921 |
| Core capital (leverage) ratio | 10.1393% | 3,366 |
| Tier 1 risk-based capital ratio | 32.9055% | 388 |
| Total risk-based capital ratio | 33.9583% | 385 |
| Memoranda: | ||
| Average total assets | $146,178,800 | 3,343 |
| Average earning assets | $144,249,000 | 3,231 |
| Average equity | $14,562,000 | 3,682 |
| Average total loans | $38,727,600 | 4,432 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1577% | 5,105 |
| Cost of funding earning assets | 1.7937% | 143 |
| Net interest margin | 1.3641% | 5,226 |
| Noninterest income to average assets | 1.3416% | 521 |
| Noninterest expense to average assets | 1.8729% | 4,728 |
| Loan and lease loss provision to assets | 0.0529% | 2,852 |
| Net operating income to assets | 0.5784% | 4,348 |
| Return on assets (ROA) | 0.5784% | 4,393 |
| Pretax return on assets | 0.7603% | 4,213 |
| Return on Equity (ROE) | 5.5417% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.5417% | 2,603 |
| Net charge-offs to loans | -0.0035% | 4,130 |
| Credit loss provision to net charge-offs | -5,500.0000% | 4,644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7241% | 2,159 |
| Assets per employee ($millions) | 6.7282% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 28.9134% | 5,067 |
| Net loans and leases to deposits | 45.6093% | 4,877 |
| Net loans and leases to core deposits | 45.6093% | 4,927 |
| Total domestic deposits to total assets | 63.3936% | 5,132 |
| Equity capital to assets | 10.9873% | 3,105 |
| Core capital (leverage) ratio | 10.6708% | 2,956 |
| Tier 1 risk-based capital ratio | 33.8314% | 376 |
| Total risk-based capital ratio | 34.7925% | 381 |
| Memoranda: | ||
| Average total assets | $138,533,500 | 3,491 |
| Average earning assets | $136,550,250 | 3,366 |
| Average equity | $14,459,750 | 3,724 |
| Average total loans | $38,028,250 | 4,506 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0433% | 5,200 |
| Cost of funding earning assets | 1.7595% | 154 |
| Net interest margin | 1.2838% | 5,279 |
| Noninterest income to average assets | 1.2699% | 538 |
| Noninterest expense to average assets | 1.8333% | 4,836 |
| Loan and lease loss provision to assets | 0.0486% | 2,849 |
| Net operating income to assets | 0.4934% | 4,532 |
| Return on assets (ROA) | 0.4934% | 4,570 |
| Pretax return on assets | 0.6535% | 4,441 |
| Return on Equity (ROE) | 4.8079% | 4,391 |
| Retained earnings to average equity (ytd only) | 4.8079% | 2,863 |
| Net charge-offs to loans | -0.0053% | 4,140 |
| Credit loss provision to net charge-offs | -3,400.0000% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3068% | 1,875 |
| Assets per employee ($millions) | 8.2974% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 3,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 23.7600% | 5,178 |
| Net loans and leases to deposits | 49.4544% | 4,821 |
| Net loans and leases to core deposits | 49.4544% | 4,878 |
| Total domestic deposits to total assets | 48.0443% | 5,254 |
| Equity capital to assets | 8.7552% | 4,922 |
| Core capital (leverage) ratio | 9.9615% | 3,624 |
| Tier 1 risk-based capital ratio | 33.3479% | 382 |
| Total risk-based capital ratio | 34.2637% | 384 |
| Memoranda: | ||
| Average total assets | $139,856,670 | 3,494 |
| Average earning assets | $137,876,670 | 3,359 |
| Average equity | $14,351,330 | 3,739 |
| Average total loans | $37,595,330 | 4,556 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3693% | 5,138 |
| Cost of funding earning assets | 1.9601% | 64 |
| Net interest margin | 1.4092% | 5,345 |
| Noninterest income to average assets | 1.3216% | 489 |
| Noninterest expense to average assets | 2.0440% | 4,570 |
| Loan and lease loss provision to assets | 0.0189% | 3,203 |
| Net operating income to assets | 0.4952% | 4,533 |
| Return on assets (ROA) | 0.4952% | 4,554 |
| Pretax return on assets | 0.6466% | 4,427 |
| Return on Equity (ROE) | 4.4032% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.4032% | 3,169 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4366% | 1,564 |
| Assets per employee ($millions) | 6.3693% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 29.5378% | 5,157 |
| Net loans and leases to deposits | 44.0726% | 4,983 |
| Net loans and leases to core deposits | 44.0726% | 5,040 |
| Total domestic deposits to total assets | 67.0207% | 5,193 |
| Equity capital to assets | 11.2579% | 2,598 |
| Core capital (leverage) ratio | 11.0339% | 2,544 |
| Tier 1 risk-based capital ratio | 34.5001% | 338 |
| Total risk-based capital ratio | 35.3902% | 343 |
| Memoranda: | ||
| Average total assets | $126,811,500 | 3,699 |
| Average earning assets | $124,891,000 | 3,585 |
| Average equity | $14,262,500 | 3,765 |
| Average total loans | $36,479,000 | 4,630 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9126% | 5,258 |
| Cost of funding earning assets | 1.5034% | 87 |
| Net interest margin | 1.4092% | 5,376 |
| Noninterest income to average assets | 1.5958% | 374 |
| Noninterest expense to average assets | 2.3456% | 4,005 |
| Loan and lease loss provision to assets | 0.0423% | 3,342 |
| Net operating income to assets | 0.4558% | 4,755 |
| Return on assets (ROA) | 0.4558% | 4,755 |
| Pretax return on assets | 0.5943% | 4,641 |
| Return on Equity (ROE) | 3.6436% | 4,788 |
| Retained earnings to average equity (ytd only) | 3.6436% | 3,578 |
| Net charge-offs to loans | -0.0094% | 4,473 |
| Credit loss provision to net charge-offs | -1,566.6667% | 4,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6554% | 1,069 |
| Assets per employee ($millions) | 6.3119% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 3,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 27.4064% | 5,239 |
| Net loans and leases to deposits | 42.1606% | 5,074 |
| Net loans and leases to core deposits | 42.1606% | 5,120 |
| Total domestic deposits to total assets | 65.0047% | 5,262 |
| Equity capital to assets | 11.2360% | 2,478 |
| Core capital (leverage) ratio | 10.9994% | 2,529 |
| Tier 1 risk-based capital ratio | 37.2430% | 274 |
| Total risk-based capital ratio | 38.1988% | 278 |
| Memoranda: | ||
| Average total assets | $111,228,000 | 3,923 |
| Average earning assets | $109,422,200 | 3,814 |
| Average equity | $13,914,800 | 3,759 |
| Average total loans | $31,844,000 | 4,772 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8482% | 5,341 |
| Cost of funding earning assets | 1.3762% | 107 |
| Net interest margin | 1.4721% | 5,452 |
| Noninterest income to average assets | 1.6586% | 361 |
| Noninterest expense to average assets | 2.5034% | 3,591 |
| Loan and lease loss provision to assets | 0.0248% | 3,522 |
| Net operating income to assets | 0.4404% | 4,873 |
| Return on assets (ROA) | 0.4404% | 4,880 |
| Pretax return on assets | 0.5781% | 4,766 |
| Return on Equity (ROE) | 3.4181% | 4,941 |
| Retained earnings to average equity (ytd only) | 3.4181% | 4,054 |
| Net charge-offs to loans | -0.0086% | 4,360 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5911% | 892 |
| Assets per employee ($millions) | 5.6191% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 3,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 27.7805% | 5,306 |
| Net loans and leases to deposits | 36.9625% | 5,256 |
| Net loans and leases to core deposits | 36.9625% | 5,284 |
| Total domestic deposits to total assets | 75.1586% | 4,868 |
| Equity capital to assets | 12.4861% | 1,597 |
| Core capital (leverage) ratio | 11.9117% | 1,834 |
| Tier 1 risk-based capital ratio | 40.3160% | 229 |
| Total risk-based capital ratio | 41.2814% | 230 |
| Memoranda: | ||
| Average total assets | $107,475,750 | 4,019 |
| Average earning assets | $105,700,000 | 3,920 |
| Average equity | $13,847,500 | 3,795 |
| Average total loans | $31,064,750 | 4,844 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7144% | 5,431 |
| Cost of funding earning assets | 1.2736% | 133 |
| Net interest margin | 1.4408% | 5,518 |
| Noninterest income to average assets | 1.7460% | 338 |
| Noninterest expense to average assets | 2.5982% | 3,334 |
| Loan and lease loss provision to assets | 0.0378% | 3,156 |
| Net operating income to assets | 0.4025% | 4,959 |
| Return on assets (ROA) | 0.4025% | 4,965 |
| Pretax return on assets | 0.5272% | 4,857 |
| Return on Equity (ROE) | 3.0901% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.0901% | 4,014 |
| Net charge-offs to loans | -0.0065% | 4,172 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1386% | 821 |
| Assets per employee ($millions) | 4.1210% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 34.5327% | 5,224 |
| Net loans and leases to deposits | 40.8961% | 5,223 |
| Net loans and leases to core deposits | 40.8961% | 5,266 |
| Total domestic deposits to total assets | 84.4400% | 2,902 |
| Equity capital to assets | 15.3206% | 627 |
| Core capital (leverage) ratio | 11.9553% | 1,744 |
| Tier 1 risk-based capital ratio | 38.8271% | 250 |
| Total risk-based capital ratio | 39.7635% | 248 |
| Memoranda: | ||
| Average total assets | $105,840,670 | 4,076 |
| Average earning assets | $104,110,330 | 3,983 |
| Average equity | $13,786,000 | 3,823 |
| Average total loans | $30,901,000 | 4,901 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4217% | 5,546 |
| Cost of funding earning assets | 1.0552% | 289 |
| Net interest margin | 1.3664% | 5,588 |
| Noninterest income to average assets | 1.5375% | 410 |
| Noninterest expense to average assets | 2.3592% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4020% | 4,921 |
| Return on assets (ROA) | 0.4020% | 4,922 |
| Pretax return on assets | 0.5254% | 4,837 |
| Return on Equity (ROE) | 3.3202% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.3202% | 3,878 |
| Net charge-offs to loans | -0.0131% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7848% | 967 |
| Assets per employee ($millions) | 5.1452% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 4,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 27.9034% | 5,412 |
| Net loans and leases to deposits | 39.8886% | 5,265 |
| Net loans and leases to core deposits | 39.8886% | 5,308 |
| Total domestic deposits to total assets | 69.9534% | 5,364 |
| Equity capital to assets | 12.1835% | 1,672 |
| Core capital (leverage) ratio | 10.8264% | 2,605 |
| Tier 1 risk-based capital ratio | 40.8792% | 216 |
| Total risk-based capital ratio | 41.8129% | 219 |
| Memoranda: | ||
| Average total assets | $113,430,000 | 4,005 |
| Average earning assets | $111,823,500 | 3,892 |
| Average equity | $13,734,000 | 3,866 |
| Average total loans | $30,530,000 | 4,960 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8509% | 5,438 |
| Cost of funding earning assets | 0.0000% | 5,660 |
| Net interest margin | 2.8509% | 5,105 |
| Noninterest income to average assets | 1.8289% | 339 |
| Noninterest expense to average assets | 2.7157% | 3,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3159% | 4,903 |
| Return on assets (ROA) | 0.3159% | 4,918 |
| Pretax return on assets | 0.4093% | 5,077 |
| Return on Equity (ROE) | 2.4714% | 4,959 |
| Retained earnings to average equity (ytd only) | 2.4714% | 3,851 |
| Net charge-offs to loans | -0.0035% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9019% | 589 |
| Assets per employee ($millions) | 4.5466% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 3,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 25.3779% | 5,513 |
| Net loans and leases to deposits | 28.9035% | 5,530 |
| Net loans and leases to core deposits | 28.9035% | 5,543 |
| Total domestic deposits to total assets | 87.8020% | 1,606 |
| Equity capital to assets | 12.0326% | 1,809 |
| Core capital (leverage) ratio | 12.2489% | 1,471 |
| Tier 1 risk-based capital ratio | 42.8813% | 180 |
| Total risk-based capital ratio | 43.8658% | 182 |
| Memoranda: | ||
| Average total assets | $107,006,800 | 4,115 |
| Average earning assets | $48,651,600 | 5,092 |
| Average equity | $13,676,400 | 3,889 |
| Average total loans | $28,523,800 | 5,056 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1866% | 2,662 |
| Cost of funding earning assets | 0.0122% | 5,713 |
| Net interest margin | 4.1744% | 1,214 |
| Noninterest income to average assets | 1.8707% | 342 |
| Noninterest expense to average assets | 2.7757% | 2,810 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3949% | 5,006 |
| Return on assets (ROA) | 0.3949% | 5,038 |
| Pretax return on assets | 0.3949% | 5,198 |
| Return on Equity (ROE) | 3.0417% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.0417% | 4,099 |
| Net charge-offs to loans | -0.0047% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5449% | 534 |
| Assets per employee ($millions) | 4.0673% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 3,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 26.0927% | 5,565 |
| Net loans and leases to deposits | 30.0741% | 5,587 |
| Net loans and leases to core deposits | 30.0741% | 5,600 |
| Total domestic deposits to total assets | 86.7612% | 1,969 |
| Equity capital to assets | 12.9570% | 1,407 |
| Core capital (leverage) ratio | 13.3799% | 1,070 |
| Tier 1 risk-based capital ratio | 45.9490% | 156 |
| Total risk-based capital ratio | 47.0020% | 155 |
| Memoranda: | ||
| Average total assets | $105,342,000 | 4,190 |
| Average earning assets | $32,802,500 | 5,447 |
| Average equity | $13,676,250 | 3,928 |
| Average total loans | $28,364,750 | 5,115 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 2,706 |
| Cost of funding earning assets | 0.0812% | 5,650 |
| Net interest margin | 4.0613% | 1,427 |
| Noninterest income to average assets | 1.9543% | 323 |
| Noninterest expense to average assets | 2.8040% | 2,745 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3859% | 5,009 |
| Return on assets (ROA) | 0.3859% | 5,035 |
| Pretax return on assets | 0.3859% | 5,196 |
| Return on Equity (ROE) | 2.9705% | 5,130 |
| Retained earnings to average equity (ytd only) | 2.9705% | 3,949 |
| Net charge-offs to loans | -0.0070% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9023% | 552 |
| Assets per employee ($millions) | 3.9658% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 3,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 26.6982% | 5,594 |
| Net loans and leases to deposits | 30.8386% | 5,620 |
| Net loans and leases to core deposits | 30.8386% | 5,634 |
| Total domestic deposits to total assets | 86.5738% | 2,140 |
| Equity capital to assets | 13.1828% | 1,287 |
| Core capital (leverage) ratio | 13.0280% | 1,165 |
| Tier 1 risk-based capital ratio | 47.3113% | 142 |
| Total risk-based capital ratio | 48.4042% | 141 |
| Memoranda: | ||
| Average total assets | $105,206,000 | 4,220 |
| Average earning assets | $32,009,670 | 5,506 |
| Average equity | $13,667,670 | 3,937 |
| Average total loans | $28,517,330 | 5,155 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 2,531 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 4.1353% | 1,129 |
| Noninterest income to average assets | 1.9576% | 324 |
| Noninterest expense to average assets | 2.8084% | 2,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3990% | 4,942 |
| Return on assets (ROA) | 0.3990% | 4,968 |
| Pretax return on assets | 0.3990% | 5,159 |
| Return on Equity (ROE) | 3.0938% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.0938% | 3,867 |
| Net charge-offs to loans | -0.0139% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5587% | 690 |
| Assets per employee ($millions) | 4.3660% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 28.2343% | 5,625 |
| Net loans and leases to deposits | 32.7308% | 5,645 |
| Net loans and leases to core deposits | 32.7308% | 5,659 |
| Total domestic deposits to total assets | 86.2622% | 2,551 |
| Equity capital to assets | 13.1299% | 1,210 |
| Core capital (leverage) ratio | 13.2453% | 1,058 |
| Tier 1 risk-based capital ratio | 43.7067% | 180 |
| Total risk-based capital ratio | 44.7042% | 182 |
| Memoranda: | ||
| Average total assets | $106,253,000 | 4,239 |
| Average earning assets | $32,114,000 | 5,571 |
| Average equity | $13,705,000 | 3,961 |
| Average total loans | $28,854,500 | 5,198 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4946% | 4,795 |
| Cost of funding earning assets | 0.0440% | 5,849 |
| Net interest margin | 3.4505% | 3,628 |
| Noninterest income to average assets | 3.8472% | 151 |
| Noninterest expense to average assets | 4.1974% | 488 |
| Loan and lease loss provision to assets | 0.0259% | 3,832 |
| Net operating income to assets | 0.8745% | 2,957 |
| Return on assets (ROA) | 0.8745% | 3,066 |
| Pretax return on assets | 0.8413% | 4,044 |
| Return on Equity (ROE) | 6.4338% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.4338% | 1,482 |
| Net charge-offs to loans | -0.0079% | 4,879 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8764% | 1,104 |
| Assets per employee ($millions) | 4.4884% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 3,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 25.5259% | 5,739 |
| Net loans and leases to deposits | 29.8423% | 5,739 |
| Net loans and leases to core deposits | 29.8423% | 5,752 |
| Total domestic deposits to total assets | 85.5359% | 2,815 |
| Equity capital to assets | 12.6734% | 1,413 |
| Core capital (leverage) ratio | 13.0116% | 1,127 |
| Tier 1 risk-based capital ratio | 45.1112% | 173 |
| Total risk-based capital ratio | 46.1455% | 174 |
| Memoranda: | ||
| Average total assets | $96,511,600 | 4,418 |
| Average earning assets | $34,053,000 | 5,586 |
| Average equity | $13,118,200 | 4,074 |
| Average total loans | $25,391,000 | 5,336 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3313% | 5,165 |
| Cost of funding earning assets | 0.0191% | 5,940 |
| Net interest margin | 3.3122% | 4,149 |
| Noninterest income to average assets | 4.2400% | 148 |
| Noninterest expense to average assets | 4.6184% | 342 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5293% | 4,577 |
| Return on assets (ROA) | 0.5293% | 4,679 |
| Pretax return on assets | 0.8537% | 4,143 |
| Return on Equity (ROE) | 3.8198% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.8198% | 3,592 |
| Net charge-offs to loans | -0.0108% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3994% | 956 |
| Assets per employee ($millions) | 4.2654% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 4,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 28.2468% | 5,750 |
| Net loans and leases to deposits | 32.7078% | 5,777 |
| Net loans and leases to core deposits | 32.7078% | 5,797 |
| Total domestic deposits to total assets | 86.3611% | 2,186 |
| Equity capital to assets | 12.8750% | 1,560 |
| Core capital (leverage) ratio | 13.2825% | 1,079 |
| Tier 1 risk-based capital ratio | 40.7444% | 213 |
| Total risk-based capital ratio | 41.6347% | 215 |
| Memoranda: | ||
| Average total assets | $93,709,000 | 4,514 |
| Average earning assets | $34,860,500 | 5,630 |
| Average equity | $12,984,750 | 4,124 |
| Average total loans | $24,786,250 | 5,411 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1662% | 5,482 |
| Cost of funding earning assets | 0.0175% | 6,021 |
| Net interest margin | 3.1487% | 4,695 |
| Noninterest income to average assets | 4.4240% | 144 |
| Noninterest expense to average assets | 4.7852% | 303 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5131% | 4,625 |
| Return on assets (ROA) | 0.5131% | 4,738 |
| Pretax return on assets | 0.8302% | 4,191 |
| Return on Equity (ROE) | 3.6069% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.6069% | 3,596 |
| Net charge-offs to loans | -0.0172% | 4,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2157% | 949 |
| Assets per employee ($millions) | 4.2063% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 4,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 25.9770% | 5,869 |
| Net loans and leases to deposits | 30.0841% | 5,883 |
| Net loans and leases to core deposits | 30.0841% | 5,893 |
| Total domestic deposits to total assets | 86.3478% | 2,241 |
| Equity capital to assets | 12.9181% | 1,554 |
| Core capital (leverage) ratio | 14.3443% | 737 |
| Tier 1 risk-based capital ratio | 42.0081% | 205 |
| Total risk-based capital ratio | 42.9358% | 208 |
| Memoranda: | ||
| Average total assets | $90,822,330 | 4,606 |
| Average earning assets | $34,363,330 | 5,699 |
| Average equity | $12,919,670 | 4,158 |
| Average total loans | $23,313,670 | 5,525 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1497% | 5,549 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 3.1497% | 4,728 |
| Noninterest income to average assets | 4.5244% | 137 |
| Noninterest expense to average assets | 4.9815% | 277 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4758% | 4,722 |
| Return on assets (ROA) | 0.4758% | 4,819 |
| Pretax return on assets | 0.7696% | 4,307 |
| Return on Equity (ROE) | 3.1729% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.1729% | 3,922 |
| Net charge-offs to loans | -0.0184% | 4,815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6180% | 918 |
| Assets per employee ($millions) | 3.4035% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 3,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 26.8498% | 5,899 |
| Net loans and leases to deposits | 31.9864% | 5,902 |
| Net loans and leases to core deposits | 31.9864% | 5,917 |
| Total domestic deposits to total assets | 83.9413% | 3,543 |
| Equity capital to assets | 15.1725% | 658 |
| Core capital (leverage) ratio | 16.1335% | 454 |
| Tier 1 risk-based capital ratio | 47.2548% | 149 |
| Total risk-based capital ratio | 48.3053% | 149 |
| Memoranda: | ||
| Average total assets | $85,758,000 | 4,739 |
| Average earning assets | $33,400,500 | 5,777 |
| Average equity | $12,859,000 | 4,184 |
| Average total loans | $21,714,500 | 5,622 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7506% | 4,189 |
| Cost of funding earning assets | 0.3957% | 3,206 |
| Net interest margin | 3.3549% | 4,093 |
| Noninterest income to average assets | 5.0120% | 122 |
| Noninterest expense to average assets | 5.5658% | 206 |
| Loan and lease loss provision to assets | 0.0123% | 4,162 |
| Net operating income to assets | 0.4206% | 4,984 |
| Return on assets (ROA) | 0.4206% | 5,066 |
| Pretax return on assets | 0.6785% | 4,589 |
| Return on Equity (ROE) | 2.6993% | 5,397 |
| Retained earnings to average equity (ytd only) | 2.6993% | 4,150 |
| Net charge-offs to loans | -0.0046% | 4,956 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9590% | 761 |
| Assets per employee ($millions) | 3.0867% | 5,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 2,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 23.1522% | 6,018 |
| Net loans and leases to deposits | 27.5154% | 6,017 |
| Net loans and leases to core deposits | 27.5154% | 6,027 |
| Total domestic deposits to total assets | 84.1429% | 3,428 |
| Equity capital to assets | 14.8193% | 704 |
| Core capital (leverage) ratio | 15.9554% | 470 |
| Tier 1 risk-based capital ratio | 45.7527% | 161 |
| Total risk-based capital ratio | 46.7743% | 160 |
| Memoranda: | ||
| Average total assets | $81,066,200 | 4,846 |
| Average earning assets | $30,075,000 | 5,899 |
| Average equity | $12,633,000 | 4,200 |
| Average total loans | $21,854,000 | 5,650 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 3,221 |
| Cost of funding earning assets | 0.4767% | 2,437 |
| Net interest margin | 3.5517% | 3,335 |
| Noninterest income to average assets | 5.0957% | 127 |
| Noninterest expense to average assets | 5.7044% | 197 |
| Loan and lease loss provision to assets | 0.0167% | 3,938 |
| Net operating income to assets | 0.3997% | 5,168 |
| Return on assets (ROA) | 0.3997% | 5,259 |
| Pretax return on assets | 0.6455% | 4,841 |
| Return on Equity (ROE) | 2.5312% | 5,545 |
| Retained earnings to average equity (ytd only) | 2.5312% | 4,613 |
| Net charge-offs to loans | -0.0060% | 4,857 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5981% | 726 |
| Assets per employee ($millions) | 3.1892% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 2,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 24.4778% | 6,084 |
| Net loans and leases to deposits | 29.2920% | 6,085 |
| Net loans and leases to core deposits | 29.2920% | 6,100 |
| Total domestic deposits to total assets | 83.5649% | 3,581 |
| Equity capital to assets | 15.3232% | 675 |
| Core capital (leverage) ratio | 18.9738% | 246 |
| Tier 1 risk-based capital ratio | 50.3527% | 132 |
| Total risk-based capital ratio | 51.4861% | 132 |
| Memoranda: | ||
| Average total assets | $79,725,750 | 4,931 |
| Average earning assets | $28,530,500 | 6,009 |
| Average equity | $12,589,250 | 4,252 |
| Average total loans | $22,243,500 | 5,711 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9876% | 3,343 |
| Cost of funding earning assets | 0.4667% | 2,545 |
| Net interest margin | 3.5209% | 3,411 |
| Noninterest income to average assets | 5.2173% | 126 |
| Noninterest expense to average assets | 5.7843% | 193 |
| Loan and lease loss provision to assets | 0.0254% | 3,625 |
| Net operating income to assets | 0.4424% | 4,995 |
| Return on assets (ROA) | 0.4424% | 5,092 |
| Pretax return on assets | 0.7119% | 4,619 |
| Return on Equity (ROE) | 2.7728% | 5,484 |
| Retained earnings to average equity (ytd only) | 2.7728% | 4,284 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6940% | 856 |
| Assets per employee ($millions) | 2.9561% | 5,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 3,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 28.7318% | 6,075 |
| Net loans and leases to deposits | 34.6049% | 6,070 |
| Net loans and leases to core deposits | 34.6049% | 6,099 |
| Total domestic deposits to total assets | 83.0280% | 3,946 |
| Equity capital to assets | 15.8381% | 544 |
| Core capital (leverage) ratio | 18.4148% | 270 |
| Tier 1 risk-based capital ratio | 44.3451% | 205 |
| Total risk-based capital ratio | 45.3448% | 204 |
| Memoranda: | ||
| Average total assets | $78,661,000 | 5,005 |
| Average earning assets | $29,140,000 | 6,060 |
| Average equity | $12,550,330 | 4,280 |
| Average total loans | $22,797,000 | 5,751 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 3,000 |
| Cost of funding earning assets | 0.3845% | 3,471 |
| Net interest margin | 3.6744% | 2,719 |
| Noninterest income to average assets | 5.1022% | 123 |
| Noninterest expense to average assets | 5.7425% | 202 |
| Loan and lease loss provision to assets | 0.0512% | 2,913 |
| Net operating income to assets | 0.3893% | 5,107 |
| Return on assets (ROA) | 0.3893% | 5,226 |
| Pretax return on assets | 0.6301% | 4,835 |
| Return on Equity (ROE) | 2.4310% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.4310% | 4,480 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3939% | 895 |
| Assets per employee ($millions) | 2.7363% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 3,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 30.8346% | 6,043 |
| Net loans and leases to deposits | 37.9592% | 5,990 |
| Net loans and leases to core deposits | 37.9592% | 6,040 |
| Total domestic deposits to total assets | 81.2310% | 4,757 |
| Equity capital to assets | 17.6304% | 363 |
| Core capital (leverage) ratio | 15.1496% | 586 |
| Tier 1 risk-based capital ratio | 42.9511% | 219 |
| Total risk-based capital ratio | 43.9270% | 221 |
| Memoranda: | ||
| Average total assets | $78,084,500 | 5,070 |
| Average earning assets | $28,086,500 | 6,144 |
| Average equity | $12,505,000 | 4,319 |
| Average total loans | $22,587,000 | 5,803 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3758% | 5,576 |
| Cost of funding earning assets | 0.1403% | 6,155 |
| Net interest margin | 3.2355% | 4,812 |
| Noninterest income to average assets | 4.9628% | 129 |
| Noninterest expense to average assets | 5.9909% | 183 |
| Loan and lease loss provision to assets | -0.3887% | 6,417 |
| Net operating income to assets | 0.4361% | 5,087 |
| Return on assets (ROA) | 0.4361% | 5,176 |
| Pretax return on assets | 0.7043% | 4,610 |
| Return on Equity (ROE) | 2.6206% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.6206% | 4,378 |
| Net charge-offs to loans | 0.0144% | 4,595 |
| Credit loss provision to net charge-offs | -9,566.6667% | 6,088 |
| Earnings coverage of net charge-offs (x) | 77.6667% | 644 |
| Efficiency ratio | 94.9957% | 547 |
| Assets per employee ($millions) | 3.4010% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 4,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 26.6710% | 6,264 |
| Net loans and leases to deposits | 37.8790% | 6,109 |
| Net loans and leases to core deposits | 37.8790% | 6,149 |
| Total domestic deposits to total assets | 70.4111% | 6,176 |
| Equity capital to assets | 14.6627% | 769 |
| Core capital (leverage) ratio | 19.1986% | 238 |
| Tier 1 risk-based capital ratio | 46.6684% | 157 |
| Total risk-based capital ratio | 47.6978% | 158 |
| Memoranda: | ||
| Average total assets | $73,829,000 | 5,190 |
| Average earning assets | $30,659,400 | 6,170 |
| Average equity | $12,287,400 | 4,307 |
| Average total loans | $20,882,800 | 5,927 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1783% | 5,927 |
| Cost of funding earning assets | 0.1362% | 6,258 |
| Net interest margin | 3.0420% | 5,398 |
| Noninterest income to average assets | 4.9217% | 126 |
| Noninterest expense to average assets | 6.2301% | 167 |
| Loan and lease loss provision to assets | -0.5631% | 6,542 |
| Net operating income to assets | 0.3961% | 5,261 |
| Return on assets (ROA) | 0.3961% | 5,338 |
| Pretax return on assets | 0.6382% | 4,910 |
| Return on Equity (ROE) | 2.2980% | 5,768 |
| Retained earnings to average equity (ytd only) | 2.2980% | 4,909 |
| Net charge-offs to loans | 0.0196% | 4,138 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,075 |
| Earnings coverage of net charge-offs (x) | 13.3325% | 2,238 |
| Efficiency ratio | 98.8092% | 408 |
| Assets per employee ($millions) | 2.9637% | 5,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 3,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 28.4150% | 6,311 |
| Net loans and leases to deposits | 34.8141% | 6,277 |
| Net loans and leases to core deposits | 34.8141% | 6,303 |
| Total domestic deposits to total assets | 81.6191% | 4,623 |
| Equity capital to assets | 17.3715% | 393 |
| Core capital (leverage) ratio | 17.7236% | 311 |
| Tier 1 risk-based capital ratio | 44.8624% | 181 |
| Total risk-based capital ratio | 45.8137% | 183 |
| Memoranda: | ||
| Average total assets | $71,030,000 | 5,316 |
| Average earning assets | $32,302,000 | 6,211 |
| Average equity | $12,242,500 | 4,338 |
| Average total loans | $20,365,500 | 6,011 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4189% | 5,585 |
| Cost of funding earning assets | 0.1455% | 6,292 |
| Net interest margin | 3.2734% | 4,690 |
| Noninterest income to average assets | 4.3776% | 135 |
| Noninterest expense to average assets | 6.2340% | 167 |
| Loan and lease loss provision to assets | -0.8451% | 6,627 |
| Net operating income to assets | 0.2366% | 5,745 |
| Return on assets (ROA) | 0.2366% | 5,813 |
| Pretax return on assets | 0.3831% | 5,607 |
| Return on Equity (ROE) | 1.3765% | 5,977 |
| Retained earnings to average equity (ytd only) | 1.3765% | 5,197 |
| Net charge-offs to loans | 0.0295% | 3,606 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,945 |
| Earnings coverage of net charge-offs (x) | -54.6667% | 4,356 |
| Efficiency ratio | 108.0039% | 258 |
| Assets per employee ($millions) | 3.0613% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 4,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 27.7511% | 6,372 |
| Net loans and leases to deposits | 33.6558% | 6,354 |
| Net loans and leases to core deposits | 33.6558% | 6,379 |
| Total domestic deposits to total assets | 82.4557% | 4,488 |
| Equity capital to assets | 16.6447% | 459 |
| Core capital (leverage) ratio | 18.9072% | 248 |
| Tier 1 risk-based capital ratio | 46.3852% | 158 |
| Total risk-based capital ratio | 47.3790% | 162 |
| Memoranda: | ||
| Average total assets | $70,997,330 | 5,357 |
| Average earning assets | $30,243,670 | 6,311 |
| Average equity | $12,204,670 | 4,359 |
| Average total loans | $20,329,670 | 6,064 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4813% | 5,479 |
| Cost of funding earning assets | 0.1632% | 6,280 |
| Net interest margin | 3.3181% | 4,464 |
| Noninterest income to average assets | 5.6766% | 103 |
| Noninterest expense to average assets | 6.1984% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5447% | 4,479 |
| Return on assets (ROA) | 0.5447% | 4,550 |
| Pretax return on assets | 0.8773% | 3,799 |
| Return on Equity (ROE) | 3.1167% | 5,421 |
| Retained earnings to average equity (ytd only) | 3.1167% | 4,253 |
| Net charge-offs to loans | 0.0595% | 2,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 744 |
| Efficiency ratio | 87.6013% | 1,273 |
| Assets per employee ($millions) | 2.7325% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7301% | 598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 29.3111% | 6,381 |
| Net loans and leases to deposits | 36.1172% | 6,313 |
| Net loans and leases to core deposits | 36.1172% | 6,361 |
| Total domestic deposits to total assets | 81.1556% | 5,192 |
| Equity capital to assets | 17.9178% | 330 |
| Core capital (leverage) ratio | 19.8721% | 211 |
| Tier 1 risk-based capital ratio | 46.3303% | 161 |
| Total risk-based capital ratio | 47.5907% | 158 |
| Memoranda: | ||
| Average total assets | $69,760,500 | 5,453 |
| Average earning assets | $29,414,000 | 6,391 |
| Average equity | $12,192,500 | 4,390 |
| Average total loans | $20,169,000 | 6,129 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4555% | 5,722 |
| Cost of funding earning assets | 0.1437% | 6,565 |
| Net interest margin | 3.3117% | 4,618 |
| Noninterest income to average assets | 5.7367% | 115 |
| Noninterest expense to average assets | 6.4248% | 171 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5366% | 4,570 |
| Return on assets (ROA) | 0.5366% | 4,701 |
| Pretax return on assets | 0.7801% | 4,225 |
| Return on Equity (ROE) | 3.1650% | 5,445 |
| Retained earnings to average equity (ytd only) | 3.1650% | 3,984 |
| Net charge-offs to loans | 0.4758% | 1,399 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.1981% | 3,358 |
| Efficiency ratio | 89.1727% | 1,095 |
| Assets per employee ($millions) | 2.9670% | 5,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8603% | 551 |
| Loan loss allowance to noncurrent loans | 111.4398% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.1515% | 3,093 |
| Noncurrent loans to loans | 2.5667% | 1,459 |
| Net loans and leases to total assets | 26.9460% | 6,548 |
| Net loans and leases to deposits | 32.8309% | 6,512 |
| Net loans and leases to core deposits | 32.8309% | 6,538 |
| Total domestic deposits to total assets | 82.0753% | 4,847 |
| Equity capital to assets | 17.0554% | 394 |
| Core capital (leverage) ratio | 20.8702% | 164 |
| Tier 1 risk-based capital ratio | 48.4598% | 145 |
| Total risk-based capital ratio | 49.7207% | 143 |
| Memoranda: | ||
| Average total assets | $70,632,800 | 5,452 |
| Average earning assets | $31,312,800 | 6,412 |
| Average equity | $11,974,600 | 4,444 |
| Average total loans | $22,278,000 | 6,106 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5287% | 5,618 |
| Cost of funding earning assets | 0.1621% | 6,585 |
| Net interest margin | 3.3666% | 4,409 |
| Noninterest income to average assets | 5.8618% | 117 |
| Noninterest expense to average assets | 6.6486% | 159 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4615% | 4,969 |
| Return on assets (ROA) | 0.4615% | 5,117 |
| Pretax return on assets | 0.7453% | 4,505 |
| Return on Equity (ROE) | 2.7265% | 5,704 |
| Retained earnings to average equity (ytd only) | 2.7265% | 4,690 |
| Net charge-offs to loans | -0.0524% | 6,329 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9207% | 997 |
| Assets per employee ($millions) | 2.7751% | 6,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4003% | 371 |
| Loan loss allowance to noncurrent loans | 72.1868% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.3056% | 3,045 |
| Noncurrent loans to loans | 4.7105% | 667 |
| Net loans and leases to total assets | 26.7737% | 6,632 |
| Net loans and leases to deposits | 32.6931% | 6,599 |
| Net loans and leases to core deposits | 32.6931% | 6,634 |
| Total domestic deposits to total assets | 81.8940% | 4,962 |
| Equity capital to assets | 16.6452% | 459 |
| Core capital (leverage) ratio | 20.7613% | 170 |
| Tier 1 risk-based capital ratio | 46.2617% | 159 |
| Total risk-based capital ratio | 47.5290% | 160 |
| Memoranda: | ||
| Average total assets | $70,488,750 | 5,514 |
| Average earning assets | $32,079,000 | 6,466 |
| Average equity | $11,932,000 | 4,507 |
| Average total loans | $22,909,250 | 6,143 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6742% | 5,223 |
| Cost of funding earning assets | 0.1960% | 6,495 |
| Net interest margin | 3.4782% | 3,880 |
| Noninterest income to average assets | 6.2802% | 113 |
| Noninterest expense to average assets | 6.6005% | 167 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7722% | 3,450 |
| Return on assets (ROA) | 0.7722% | 3,603 |
| Pretax return on assets | 1.2526% | 2,473 |
| Return on Equity (ROE) | 4.5355% | 4,981 |
| Retained earnings to average equity (ytd only) | 4.5355% | 3,384 |
| Net charge-offs to loans | -0.0754% | 6,411 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0495% | 1,629 |
| Assets per employee ($millions) | 2.6532% | 6,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1026% | 528 |
| Loan loss allowance to noncurrent loans | 71.5789% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 2.1933% | 1,969 |
| Noncurrent loans to loans | 4.3345% | 831 |
| Net loans and leases to total assets | 30.7858% | 6,549 |
| Net loans and leases to deposits | 38.0482% | 6,481 |
| Net loans and leases to core deposits | 38.0482% | 6,537 |
| Total domestic deposits to total assets | 80.9127% | 5,363 |
| Equity capital to assets | 17.4478% | 374 |
| Core capital (leverage) ratio | 18.0968% | 282 |
| Tier 1 risk-based capital ratio | 43.5629% | 185 |
| Total risk-based capital ratio | 44.8261% | 182 |
| Memoranda: | ||
| Average total assets | $69,934,000 | 5,572 |
| Average earning assets | $31,626,000 | 6,524 |
| Average equity | $11,906,000 | 4,554 |
| Average total loans | $23,879,670 | 6,134 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 5,245 |
| Cost of funding earning assets | 0.2350% | 6,379 |
| Net interest margin | 3.4385% | 3,970 |
| Noninterest income to average assets | 6.3798% | 109 |
| Noninterest expense to average assets | 6.5900% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8522% | 2,894 |
| Return on assets (ROA) | 0.8522% | 3,030 |
| Pretax return on assets | 1.3691% | 1,974 |
| Return on Equity (ROE) | 5.0671% | 4,536 |
| Retained earnings to average equity (ytd only) | 5.0671% | 3,195 |
| Net charge-offs to loans | 0.0322% | 3,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 120.5000% | 318 |
| Efficiency ratio | 82.7980% | 1,918 |
| Assets per employee ($millions) | 2.6405% | 6,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6773% | 937 |
| Loan loss allowance to noncurrent loans | 69.6150% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 2.2475% | 2,079 |
| Noncurrent loans to loans | 3.8458% | 1,194 |
| Net loans and leases to total assets | 35.4231% | 6,341 |
| Net loans and leases to deposits | 43.8046% | 6,218 |
| Net loans and leases to core deposits | 43.8046% | 6,320 |
| Total domestic deposits to total assets | 80.8661% | 5,535 |
| Equity capital to assets | 17.3569% | 386 |
| Core capital (leverage) ratio | 19.6423% | 209 |
| Tier 1 risk-based capital ratio | 40.1077% | 230 |
| Total risk-based capital ratio | 41.3699% | 228 |
| Memoranda: | ||
| Average total assets | $70,409,500 | 5,615 |
| Average earning assets | $32,340,000 | 6,571 |
| Average equity | $11,841,000 | 4,608 |
| Average total loans | $24,861,000 | 6,127 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 4,780 |
| Cost of funding earning assets | 0.0707% | 7,020 |
| Net interest margin | 4.0765% | 2,096 |
| Noninterest income to average assets | 6.5015% | 108 |
| Noninterest expense to average assets | 6.5811% | 171 |
| Loan and lease loss provision to assets | 0.3762% | 1,739 |
| Net operating income to assets | 0.9608% | 2,496 |
| Return on assets (ROA) | 0.9608% | 2,738 |
| Pretax return on assets | 1.5469% | 1,532 |
| Return on Equity (ROE) | 5.8114% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.8114% | 2,185 |
| Net charge-offs to loans | 0.1848% | 3,906 |
| Credit loss provision to net charge-offs | 490.5660% | 496 |
| Earnings coverage of net charge-offs (x) | 25.0755% | 1,150 |
| Efficiency ratio | 77.3864% | 2,531 |
| Assets per employee ($millions) | 2.8866% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7129% | 911 |
| Loan loss allowance to noncurrent loans | 50.3754% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 2.6259% | 1,853 |
| Noncurrent loans to loans | 5.3853% | 696 |
| Net loans and leases to total assets | 33.3440% | 6,576 |
| Net loans and leases to deposits | 40.6161% | 6,521 |
| Net loans and leases to core deposits | 40.6161% | 6,595 |
| Total domestic deposits to total assets | 82.0954% | 5,066 |
| Equity capital to assets | 16.3041% | 498 |
| Core capital (leverage) ratio | 18.2421% | 269 |
| Tier 1 risk-based capital ratio | 40.3650% | 233 |
| Total risk-based capital ratio | 41.6275% | 231 |
| Memoranda: | ||
| Average total assets | $69,107,400 | 5,650 |
| Average earning assets | $33,950,400 | 6,554 |
| Average equity | $11,425,800 | 4,683 |
| Average total loans | $28,678,400 | 6,010 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2627% | 4,596 |
| Cost of funding earning assets | 0.0270% | 7,157 |
| Net interest margin | 4.2356% | 1,627 |
| Noninterest income to average assets | 6.6057% | 101 |
| Noninterest expense to average assets | 6.7716% | 157 |
| Loan and lease loss provision to assets | 0.5072% | 1,206 |
| Net operating income to assets | 0.9033% | 2,973 |
| Return on assets (ROA) | 0.9033% | 3,200 |
| Pretax return on assets | 1.4671% | 2,018 |
| Return on Equity (ROE) | 5.4434% | 4,623 |
| Retained earnings to average equity (ytd only) | 5.4434% | 3,067 |
| Net charge-offs to loans | 0.2427% | 3,265 |
| Credit loss provision to net charge-offs | 481.4815% | 559 |
| Earnings coverage of net charge-offs (x) | 18.7403% | 1,537 |
| Efficiency ratio | 77.4258% | 2,465 |
| Assets per employee ($millions) | 2.5982% | 6,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5017% | 1,208 |
| Loan loss allowance to noncurrent loans | 74.8049% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 2.1100% | 2,532 |
| Noncurrent loans to loans | 3.3443% | 1,642 |
| Net loans and leases to total assets | 35.9464% | 6,551 |
| Net loans and leases to deposits | 43.5843% | 6,526 |
| Net loans and leases to core deposits | 43.5843% | 6,614 |
| Total domestic deposits to total assets | 82.4756% | 4,844 |
| Equity capital to assets | 15.8969% | 627 |
| Core capital (leverage) ratio | 18.3860% | 281 |
| Tier 1 risk-based capital ratio | 37.9379% | 286 |
| Total risk-based capital ratio | 39.2009% | 279 |
| Memoranda: | ||
| Average total assets | $68,342,750 | 5,733 |
| Average earning assets | $34,531,500 | 6,626 |
| Average equity | $11,340,750 | 4,745 |
| Average total loans | $29,664,500 | 6,043 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 5,195 |
| Cost of funding earning assets | 0.0000% | 7,233 |
| Net interest margin | 4.1305% | 1,970 |
| Noninterest income to average assets | 6.7650% | 103 |
| Noninterest expense to average assets | 6.7560% | 153 |
| Loan and lease loss provision to assets | 0.6879% | 808 |
| Net operating income to assets | 0.9750% | 2,567 |
| Return on assets (ROA) | 0.9750% | 2,805 |
| Pretax return on assets | 1.5671% | 1,651 |
| Return on Equity (ROE) | 5.7873% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.7873% | 2,834 |
| Net charge-offs to loans | -0.0065% | 6,212 |
| Credit loss provision to net charge-offs | -23,000.0000% | 6,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9751% | 2,900 |
| Assets per employee ($millions) | 2.3670% | 6,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3974% | 1,417 |
| Loan loss allowance to noncurrent loans | 72.5000% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 2.4111% | 2,319 |
| Noncurrent loans to loans | 3.3068% | 1,763 |
| Net loans and leases to total assets | 42.7530% | 6,125 |
| Net loans and leases to deposits | 52.7182% | 5,978 |
| Net loans and leases to core deposits | 52.7182% | 6,186 |
| Total domestic deposits to total assets | 81.0972% | 5,435 |
| Equity capital to assets | 17.2430% | 418 |
| Core capital (leverage) ratio | 17.8084% | 300 |
| Tier 1 risk-based capital ratio | 34.8330% | 352 |
| Total risk-based capital ratio | 36.0949% | 343 |
| Memoranda: | ||
| Average total assets | $66,873,670 | 5,813 |
| Average earning assets | $36,363,670 | 6,613 |
| Average equity | $11,266,000 | 4,760 |
| Average total loans | $30,612,000 | 6,033 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 5,059 |
| Cost of funding earning assets | 0.0217% | 7,282 |
| Net interest margin | 4.1926% | 1,778 |
| Noninterest income to average assets | 6.8004% | 104 |
| Noninterest expense to average assets | 6.6039% | 164 |
| Loan and lease loss provision to assets | 0.9230% | 474 |
| Net operating income to assets | 0.9885% | 2,522 |
| Return on assets (ROA) | 0.9885% | 2,719 |
| Pretax return on assets | 1.5780% | 1,642 |
| Return on Equity (ROE) | 5.9365% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.9365% | 2,993 |
| Net charge-offs to loans | -0.0127% | 6,020 |
| Credit loss provision to net charge-offs | -15,500.0000% | 6,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5311% | 3,338 |
| Assets per employee ($millions) | 2.3859% | 6,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0183% | 2,306 |
| Loan loss allowance to noncurrent loans | 59.8843% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 2.6002% | 2,273 |
| Noncurrent loans to loans | 3.3703% | 1,879 |
| Net loans and leases to total assets | 46.8006% | 5,701 |
| Net loans and leases to deposits | 57.7636% | 5,405 |
| Net loans and leases to core deposits | 57.7636% | 5,731 |
| Total domestic deposits to total assets | 81.0208% | 5,601 |
| Equity capital to assets | 17.4920% | 379 |
| Core capital (leverage) ratio | 17.0260% | 353 |
| Tier 1 risk-based capital ratio | 32.8839% | 397 |
| Total risk-based capital ratio | 34.1417% | 390 |
| Memoranda: | ||
| Average total assets | $67,172,500 | 5,854 |
| Average earning assets | $36,922,000 | 6,644 |
| Average equity | $11,185,000 | 4,781 |
| Average total loans | $31,402,500 | 6,040 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 5,674 |
| Cost of funding earning assets | 0.1108% | 7,299 |
| Net interest margin | 4.2152% | 2,007 |
| Noninterest income to average assets | 6.4953% | 97 |
| Noninterest expense to average assets | 7.1752% | 134 |
| Loan and lease loss provision to assets | 0.3982% | 2,605 |
| Net operating income to assets | 0.9985% | 2,203 |
| Return on assets (ROA) | 0.9985% | 2,348 |
| Pretax return on assets | 1.4468% | 1,633 |
| Return on Equity (ROE) | 6.3106% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.3106% | 1,848 |
| Net charge-offs to loans | 3.8117% | 175 |
| Credit loss provision to net charge-offs | 20.9140% | 5,907 |
| Earnings coverage of net charge-offs (x) | 0.9690% | 5,072 |
| Efficiency ratio | 79.5455% | 2,368 |
| Assets per employee ($millions) | 2.4974% | 6,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 4,227 |
| Loan loss allowance to noncurrent loans | 91.7160% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.6374% | 3,505 |
| Noncurrent loans to loans | 1.5826% | 3,789 |
| Net loans and leases to total assets | 45.1485% | 6,095 |
| Net loans and leases to deposits | 54.4515% | 6,026 |
| Net loans and leases to core deposits | 54.4515% | 6,268 |
| Total domestic deposits to total assets | 82.9150% | 4,783 |
| Equity capital to assets | 15.8766% | 597 |
| Core capital (leverage) ratio | 13.4669% | 978 |
| Tier 1 risk-based capital ratio | 30.5504% | 493 |
| Total risk-based capital ratio | 31.7997% | 481 |
| Memoranda: | ||
| Average total assets | $67,802,800 | 5,814 |
| Average earning assets | $40,614,800 | 6,507 |
| Average equity | $10,728,000 | 4,850 |
| Average total loans | $33,869,200 | 5,958 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 5,705 |
| Cost of funding earning assets | 0.1237% | 7,375 |
| Net interest margin | 4.2468% | 1,920 |
| Noninterest income to average assets | 6.4612% | 102 |
| Noninterest expense to average assets | 7.1945% | 134 |
| Loan and lease loss provision to assets | 0.4459% | 2,242 |
| Net operating income to assets | 0.8721% | 2,853 |
| Return on assets (ROA) | 0.8721% | 3,002 |
| Pretax return on assets | 1.4072% | 1,924 |
| Return on Equity (ROE) | 5.5165% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.5165% | 2,853 |
| Net charge-offs to loans | 1.7129% | 809 |
| Credit loss provision to net charge-offs | 51.0204% | 5,018 |
| Earnings coverage of net charge-offs (x) | 2.1202% | 4,081 |
| Efficiency ratio | 79.5181% | 2,331 |
| Assets per employee ($millions) | 2.6140% | 6,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9976% | 392 |
| Loan loss allowance to noncurrent loans | 93.5888% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 3.7306% | 1,670 |
| Noncurrent loans to loans | 4.2715% | 1,531 |
| Net loans and leases to total assets | 43.2126% | 6,408 |
| Net loans and leases to deposits | 51.8735% | 6,378 |
| Net loans and leases to core deposits | 51.8735% | 6,576 |
| Total domestic deposits to total assets | 83.3038% | 4,560 |
| Equity capital to assets | 15.3955% | 746 |
| Core capital (leverage) ratio | 11.5359% | 2,001 |
| Tier 1 risk-based capital ratio | 29.8410% | 546 |
| Total risk-based capital ratio | 31.1180% | 534 |
| Memoranda: | ||
| Average total assets | $67,271,750 | 5,861 |
| Average earning assets | $40,970,750 | 6,547 |
| Average equity | $10,634,500 | 4,886 |
| Average total loans | $34,327,500 | 6,007 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2955% | 6,037 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 4.2955% | 1,677 |
| Noninterest income to average assets | 6.4350% | 106 |
| Noninterest expense to average assets | 7.1786% | 136 |
| Loan and lease loss provision to assets | 0.6801% | 1,411 |
| Net operating income to assets | 0.7798% | 3,158 |
| Return on assets (ROA) | 0.7798% | 3,284 |
| Pretax return on assets | 1.2544% | 2,288 |
| Return on Equity (ROE) | 4.8876% | 4,505 |
| Retained earnings to average equity (ytd only) | 4.8876% | 3,068 |
| Net charge-offs to loans | 2.5071% | 471 |
| Credit loss provision to net charge-offs | 51.0204% | 4,557 |
| Earnings coverage of net charge-offs (x) | 1.4512% | 4,193 |
| Efficiency ratio | 78.7728% | 2,594 |
| Assets per employee ($millions) | 2.6990% | 6,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7324% | 501 |
| Loan loss allowance to noncurrent loans | 93.3137% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 3.3308% | 1,990 |
| Noncurrent loans to loans | 3.9999% | 1,734 |
| Net loans and leases to total assets | 40.4540% | 6,709 |
| Net loans and leases to deposits | 47.0112% | 6,779 |
| Net loans and leases to core deposits | 47.0112% | 6,894 |
| Total domestic deposits to total assets | 86.0518% | 3,300 |
| Equity capital to assets | 13.1936% | 1,430 |
| Core capital (leverage) ratio | 15.8047% | 528 |
| Tier 1 risk-based capital ratio | 26.4726% | 765 |
| Total risk-based capital ratio | 27.7463% | 747 |
| Memoranda: | ||
| Average total assets | $66,169,330 | 5,955 |
| Average earning assets | $41,252,330 | 6,592 |
| Average equity | $10,557,330 | 4,910 |
| Average total loans | $35,180,330 | 6,017 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 4,416 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 4.7215% | 675 |
| Noninterest income to average assets | 7.1399% | 100 |
| Noninterest expense to average assets | 7.7729% | 115 |
| Loan and lease loss provision to assets | 0.9189% | 863 |
| Net operating income to assets | 0.9393% | 2,403 |
| Return on assets (ROA) | 0.9393% | 2,465 |
| Pretax return on assets | 1.5178% | 1,394 |
| Return on Equity (ROE) | 5.2599% | 4,260 |
| Retained earnings to average equity (ytd only) | 5.2599% | 3,029 |
| Net charge-offs to loans | -0.0224% | 6,606 |
| Credit loss provision to net charge-offs | -6,750.0000% | 6,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1333% | 3,145 |
| Assets per employee ($millions) | 1.9115% | 7,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6625% | 250 |
| Loan loss allowance to noncurrent loans | 92.8490% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 5.3781% | 1,145 |
| Noncurrent loans to loans | 5.0215% | 1,341 |
| Net loans and leases to total assets | 57.8735% | 4,664 |
| Net loans and leases to deposits | 73.1201% | 3,899 |
| Net loans and leases to core deposits | 73.1201% | 4,635 |
| Total domestic deposits to total assets | 79.1486% | 6,152 |
| Equity capital to assets | 18.4222% | 341 |
| Core capital (leverage) ratio | 18.3735% | 310 |
| Tier 1 risk-based capital ratio | 27.4990% | 668 |
| Total risk-based capital ratio | 28.7849% | 647 |
| Memoranda: | ||
| Average total assets | $58,768,500 | 6,232 |
| Average earning assets | $38,208,000 | 6,752 |
| Average equity | $10,494,500 | 4,920 |
| Average total loans | $35,757,500 | 6,035 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0653% | 4,260 |
| Cost of funding earning assets | 0.0272% | 7,618 |
| Net interest margin | 5.0380% | 393 |
| Noninterest income to average assets | 7.2101% | 92 |
| Noninterest expense to average assets | 7.5840% | 128 |
| Loan and lease loss provision to assets | 1.2408% | 1,250 |
| Net operating income to assets | 1.0853% | 1,739 |
| Return on assets (ROA) | 1.0853% | 1,833 |
| Pretax return on assets | 1.7504% | 848 |
| Return on Equity (ROE) | 6.5068% | 3,344 |
| Retained earnings to average equity (ytd only) | 6.5068% | 1,552 |
| Net charge-offs to loans | 0.3739% | 4,166 |
| Credit loss provision to net charge-offs | 524.4755% | 434 |
| Earnings coverage of net charge-offs (x) | 12.6434% | 1,481 |
| Efficiency ratio | 71.7146% | 3,852 |
| Assets per employee ($millions) | 2.0064% | 7,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0485% | 381 |
| Loan loss allowance to noncurrent loans | 146.6930% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 2.8425% | 2,464 |
| Noncurrent loans to loans | 2.7598% | 2,758 |
| Net loans and leases to total assets | 58.5101% | 4,956 |
| Net loans and leases to deposits | 73.5583% | 4,268 |
| Net loans and leases to core deposits | 73.5583% | 5,034 |
| Total domestic deposits to total assets | 79.5425% | 5,956 |
| Equity capital to assets | 17.3193% | 423 |
| Core capital (leverage) ratio | 16.6672% | 425 |
| Tier 1 risk-based capital ratio | 26.2205% | 740 |
| Total risk-based capital ratio | 27.5007% | 717 |
| Memoranda: | ||
| Average total assets | $60,443,000 | 6,179 |
| Average earning assets | $40,373,000 | 6,698 |
| Average equity | $10,081,800 | 5,108 |
| Average total loans | $38,241,000 | 5,998 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0739% | 4,459 |
| Cost of funding earning assets | 0.0229% | 7,729 |
| Net interest margin | 5.0509% | 388 |
| Noninterest income to average assets | 7.0361% | 95 |
| Noninterest expense to average assets | 7.6906% | 121 |
| Loan and lease loss provision to assets | 0.9982% | 1,490 |
| Net operating income to assets | 1.0820% | 1,958 |
| Return on assets (ROA) | 1.0820% | 2,069 |
| Pretax return on assets | 1.7430% | 1,028 |
| Return on Equity (ROE) | 6.5491% | 3,549 |
| Retained earnings to average equity (ytd only) | 6.5491% | 2,065 |
| Net charge-offs to loans | 0.1484% | 5,120 |
| Credit loss provision to net charge-offs | 1,053.4884% | 282 |
| Earnings coverage of net charge-offs (x) | 28.9313% | 900 |
| Efficiency ratio | 73.7220% | 3,376 |
| Assets per employee ($millions) | 1.8846% | 7,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3482% | 604 |
| Loan loss allowance to noncurrent loans | 202.0376% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 2.4579% | 2,907 |
| Noncurrent loans to loans | 1.6572% | 4,160 |
| Net loans and leases to total assets | 63.6890% | 4,184 |
| Net loans and leases to deposits | 88.9955% | 1,860 |
| Net loans and leases to core deposits | 88.9955% | 3,233 |
| Total domestic deposits to total assets | 71.5643% | 7,176 |
| Equity capital to assets | 17.5616% | 454 |
| Core capital (leverage) ratio | 17.6367% | 375 |
| Tier 1 risk-based capital ratio | 24.6949% | 877 |
| Total risk-based capital ratio | 25.9682% | 862 |
| Memoranda: | ||
| Average total assets | $60,505,500 | 6,249 |
| Average earning assets | $40,678,000 | 6,770 |
| Average equity | $9,996,000 | 5,197 |
| Average total loans | $38,625,000 | 6,064 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1967% | 3,978 |
| Cost of funding earning assets | 0.0297% | 7,798 |
| Net interest margin | 5.1670% | 302 |
| Noninterest income to average assets | 6.7059% | 104 |
| Noninterest expense to average assets | 7.5621% | 131 |
| Loan and lease loss provision to assets | 0.9967% | 1,460 |
| Net operating income to assets | 0.9739% | 2,284 |
| Return on assets (ROA) | 0.9739% | 2,365 |
| Pretax return on assets | 1.5588% | 1,403 |
| Return on Equity (ROE) | 6.0153% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.0153% | 2,320 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7416% | 3,320 |
| Assets per employee ($millions) | 2.0552% | 7,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1941% | 710 |
| Loan loss allowance to noncurrent loans | 155.9947% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 2.4438% | 2,946 |
| Noncurrent loans to loans | 2.0476% | 3,654 |
| Net loans and leases to total assets | 56.3231% | 5,652 |
| Net loans and leases to deposits | 68.5372% | 5,488 |
| Net loans and leases to core deposits | 68.5372% | 6,015 |
| Total domestic deposits to total assets | 82.1789% | 4,918 |
| Equity capital to assets | 15.8010% | 706 |
| Core capital (leverage) ratio | 15.2422% | 679 |
| Tier 1 risk-based capital ratio | 25.1173% | 835 |
| Total risk-based capital ratio | 26.3872% | 816 |
| Memoranda: | ||
| Average total assets | $61,199,670 | 6,258 |
| Average earning assets | $40,410,330 | 6,828 |
| Average equity | $9,908,000 | 5,229 |
| Average total loans | $38,667,330 | 6,109 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7636% | 6,025 |
| Cost of funding earning assets | 0.0295% | 7,901 |
| Net interest margin | 4.7341% | 724 |
| Noninterest income to average assets | 6.4393% | 109 |
| Noninterest expense to average assets | 7.6204% | 133 |
| Loan and lease loss provision to assets | 0.7474% | 1,702 |
| Net operating income to assets | 0.7941% | 2,992 |
| Return on assets (ROA) | 0.7941% | 3,103 |
| Pretax return on assets | 1.2812% | 2,104 |
| Return on Equity (ROE) | 4.8431% | 4,451 |
| Retained earnings to average equity (ytd only) | 4.8431% | 3,245 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9765% | 2,731 |
| Assets per employee ($millions) | 2.1765% | 7,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5442% | 1,238 |
| Loan loss allowance to noncurrent loans | 52.2404% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 3.9944% | 1,719 |
| Noncurrent loans to loans | 4.8702% | 1,498 |
| Net loans and leases to total assets | 56.2620% | 5,706 |
| Net loans and leases to deposits | 77.3967% | 4,146 |
| Net loans and leases to core deposits | 77.3967% | 5,098 |
| Total domestic deposits to total assets | 72.6930% | 7,196 |
| Equity capital to assets | 14.6554% | 966 |
| Core capital (leverage) ratio | 16.3069% | 531 |
| Tier 1 risk-based capital ratio | 23.5031% | 1,014 |
| Total risk-based capital ratio | 24.7677% | 987 |
| Memoranda: | ||
| Average total assets | $59,944,000 | 6,386 |
| Average earning assets | $40,641,500 | 6,909 |
| Average equity | $9,828,500 | 5,289 |
| Average total loans | $39,467,000 | 6,146 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0686% | 6,198 |
| Cost of funding earning assets | 0.1360% | 7,953 |
| Net interest margin | 4.9326% | 517 |
| Noninterest income to average assets | 7.0945% | 100 |
| Noninterest expense to average assets | 7.8375% | 155 |
| Loan and lease loss provision to assets | 0.8847% | 2,534 |
| Net operating income to assets | 1.2855% | 1,056 |
| Return on assets (ROA) | 1.2855% | 1,111 |
| Pretax return on assets | 1.9438% | 456 |
| Return on Equity (ROE) | 7.9260% | 2,401 |
| Retained earnings to average equity (ytd only) | 7.9260% | 718 |
| Net charge-offs to loans | 0.8334% | 2,743 |
| Credit loss provision to net charge-offs | 143.8202% | 3,329 |
| Earnings coverage of net charge-offs (x) | 4.5983% | 2,893 |
| Efficiency ratio | 73.4813% | 4,001 |
| Assets per employee ($millions) | 1.6381% | 7,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1984% | 1,654 |
| Loan loss allowance to noncurrent loans | 45.5677% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 5.2024% | 1,152 |
| Noncurrent loans to loans | 4.8246% | 1,425 |
| Net loans and leases to total assets | 74.6003% | 2,121 |
| Net loans and leases to deposits | 132.4751% | 81 |
| Net loans and leases to core deposits | 132.4751% | 1,140 |
| Total domestic deposits to total assets | 56.3127% | 7,850 |
| Equity capital to assets | 18.6367% | 396 |
| Core capital (leverage) ratio | 15.7048% | 660 |
| Tier 1 risk-based capital ratio | 22.7567% | 1,069 |
| Total risk-based capital ratio | 24.0170% | 1,045 |
| Memoranda: | ||
| Average total assets | $57,875,800 | 6,436 |
| Average earning assets | $41,904,800 | 6,864 |
| Average equity | $9,386,800 | 5,478 |
| Average total loans | $42,714,800 | 5,992 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0134% | 6,564 |
| Cost of funding earning assets | 0.1940% | 8,031 |
| Net interest margin | 4.8193% | 660 |
| Noninterest income to average assets | 6.9906% | 106 |
| Noninterest expense to average assets | 7.5532% | 170 |
| Loan and lease loss provision to assets | 1.0173% | 1,890 |
| Net operating income to assets | 1.1613% | 1,558 |
| Return on assets (ROA) | 1.1613% | 1,617 |
| Pretax return on assets | 1.8860% | 676 |
| Return on Equity (ROE) | 7.4046% | 2,905 |
| Retained earnings to average equity (ytd only) | 7.4046% | 1,348 |
| Net charge-offs to loans | 0.7097% | 2,573 |
| Credit loss provision to net charge-offs | 195.6710% | 2,301 |
| Earnings coverage of net charge-offs (x) | 5.5845% | 2,782 |
| Efficiency ratio | 72.2342% | 4,202 |
| Assets per employee ($millions) | 1.8554% | 7,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3210% | 1,272 |
| Loan loss allowance to noncurrent loans | 40.2730% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 5.4604% | 1,051 |
| Noncurrent loans to loans | 5.7632% | 1,059 |
| Net loans and leases to total assets | 66.9126% | 4,206 |
| Net loans and leases to deposits | 176.4591% | 36 |
| Net loans and leases to core deposits | 176.4591% | 209 |
| Total domestic deposits to total assets | 37.9196% | 8,019 |
| Equity capital to assets | 16.0696% | 780 |
| Core capital (leverage) ratio | 15.5594% | 751 |
| Tier 1 risk-based capital ratio | 21.7449% | 1,256 |
| Total risk-based capital ratio | 23.0052% | 1,234 |
| Memoranda: | ||
| Average total assets | $59,240,250 | 6,412 |
| Average earning assets | $42,605,000 | 6,887 |
| Average equity | $9,291,250 | 5,560 |
| Average total loans | $43,397,750 | 6,002 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9904% | 6,807 |
| Cost of funding earning assets | 0.2020% | 8,126 |
| Net interest margin | 4.7884% | 668 |
| Noninterest income to average assets | 6.9734% | 101 |
| Noninterest expense to average assets | 7.3823% | 193 |
| Loan and lease loss provision to assets | 1.1487% | 1,493 |
| Net operating income to assets | 1.2095% | 1,448 |
| Return on assets (ROA) | 1.2095% | 1,534 |
| Pretax return on assets | 1.9663% | 605 |
| Return on Equity (ROE) | 7.7758% | 2,860 |
| Retained earnings to average equity (ytd only) | 7.7758% | 1,283 |
| Net charge-offs to loans | 1.0427% | 1,715 |
| Credit loss provision to net charge-offs | 147.1861% | 3,141 |
| Earnings coverage of net charge-offs (x) | 3.9913% | 3,250 |
| Efficiency ratio | 70.3251% | 4,710 |
| Assets per employee ($millions) | 1.8362% | 7,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9989% | 1,568 |
| Loan loss allowance to noncurrent loans | 25.6394% | 6,799 |
| Noncurrent assets plus other real estate owned to assets | 7.2784% | 567 |
| Noncurrent loans to loans | 7.7962% | 578 |
| Net loans and leases to total assets | 71.6612% | 3,306 |
| Net loans and leases to deposits | 182.2573% | 41 |
| Net loans and leases to core deposits | 182.2573% | 202 |
| Total domestic deposits to total assets | 39.3187% | 8,100 |
| Equity capital to assets | 16.4840% | 755 |
| Core capital (leverage) ratio | 15.6287% | 802 |
| Tier 1 risk-based capital ratio | 20.9784% | 1,399 |
| Total risk-based capital ratio | 22.2349% | 1,372 |
| Memoranda: | ||
| Average total assets | $59,196,000 | 6,473 |
| Average earning assets | $43,564,000 | 6,901 |
| Average equity | $9,208,000 | 5,609 |
| Average total loans | $44,306,330 | 6,011 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3837% | 5,508 |
| Cost of funding earning assets | 0.2314% | 8,173 |
| Net interest margin | 5.1523% | 303 |
| Noninterest income to average assets | 6.5901% | 103 |
| Noninterest expense to average assets | 7.1603% | 197 |
| Loan and lease loss provision to assets | 1.1934% | 1,086 |
| Net operating income to assets | 1.2663% | 1,464 |
| Return on assets (ROA) | 1.2663% | 1,565 |
| Pretax return on assets | 2.0751% | 567 |
| Return on Equity (ROE) | 8.3767% | 2,979 |
| Retained earnings to average equity (ytd only) | 8.3767% | 1,673 |
| Net charge-offs to loans | 2.0242% | 713 |
| Credit loss provision to net charge-offs | 77.9221% | 4,222 |
| Earnings coverage of net charge-offs (x) | 2.1342% | 3,662 |
| Efficiency ratio | 68.6586% | 4,842 |
| Assets per employee ($millions) | 1.9776% | 7,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 2,831 |
| Loan loss allowance to noncurrent loans | 32.5266% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 4.9960% | 902 |
| Noncurrent loans to loans | 4.6951% | 1,192 |
| Net loans and leases to total assets | 73.0363% | 2,999 |
| Net loans and leases to deposits | 227.3042% | 29 |
| Net loans and leases to core deposits | 227.3042% | 92 |
| Total domestic deposits to total assets | 32.1315% | 8,169 |
| Equity capital to assets | 15.5340% | 960 |
| Core capital (leverage) ratio | 14.4926% | 1,088 |
| Tier 1 risk-based capital ratio | 19.3220% | 1,752 |
| Total risk-based capital ratio | 20.5736% | 1,708 |
| Memoranda: | ||
| Average total assets | $60,333,000 | 6,460 |
| Average earning assets | $44,950,500 | 6,884 |
| Average equity | $9,120,500 | 5,658 |
| Average total loans | $45,648,000 | 5,978 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9660% | 5,724 |
| Cost of funding earning assets | 1.2811% | 7,865 |
| Net interest margin | 4.6849% | 997 |
| Noninterest income to average assets | 6.6879% | 98 |
| Noninterest expense to average assets | 7.1481% | 275 |
| Loan and lease loss provision to assets | 0.7821% | 1,908 |
| Net operating income to assets | 1.2293% | 1,687 |
| Return on assets (ROA) | 1.2293% | 1,631 |
| Pretax return on assets | 2.0163% | 579 |
| Return on Equity (ROE) | 8.7516% | 2,730 |
| Retained earnings to average equity (ytd only) | 8.7516% | 642 |
| Net charge-offs to loans | 0.7768% | 1,601 |
| Credit loss provision to net charge-offs | 142.3077% | 3,723 |
| Earnings coverage of net charge-offs (x) | 5.0917% | 3,754 |
| Efficiency ratio | 71.8653% | 3,964 |
| Assets per employee ($millions) | 2.1906% | 7,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 2,549 |
| Loan loss allowance to noncurrent loans | 24.5334% | 7,028 |
| Noncurrent assets plus other real estate owned to assets | 6.2685% | 459 |
| Noncurrent loans to loans | 6.2314% | 539 |
| Net loans and leases to total assets | 75.9236% | 2,645 |
| Net loans and leases to deposits | 212.2607% | 36 |
| Net loans and leases to core deposits | 212.2607% | 133 |
| Total domestic deposits to total assets | 35.7690% | 8,208 |
| Equity capital to assets | 14.7136% | 1,244 |
| Core capital (leverage) ratio | 14.9780% | 1,043 |
| Tier 1 risk-based capital ratio | 17.7152% | 2,115 |
| Total risk-based capital ratio | 18.9675% | 2,055 |
| Memoranda: | ||
| Average total assets | $61,499,200 | 6,340 |
| Average earning assets | $42,775,600 | 6,910 |
| Average equity | $8,638,400 | 5,861 |
| Average total loans | $43,511,200 | 6,003 |