Home > Millennium Bank > Performance and Condition Ratios
Millennium Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5055% | 160 |
| Cost of funding earning assets | 3.1263% | 122 |
| Net interest margin | 4.3792% | 724 |
| Noninterest income to average assets | 1.6400% | 345 |
| Noninterest expense to average assets | 2.9098% | 1,258 |
| Loan and lease loss provision to assets | 0.4500% | 209 |
| Net operating income to assets | 2.2912% | 305 |
| Return on assets (ROA) | 2.2912% | 296 |
| Pretax return on assets | 2.3937% | 380 |
| Return on Equity (ROE) | 12.8500% | 1,768 |
| Retained earnings to average equity (ytd only) | 8.9168% | 1,276 |
| Net charge-offs to loans | 0.4228% | 241 |
| Credit loss provision to net charge-offs | 149.9161% | 1,478 |
| Earnings coverage of net charge-offs (x) | 9.5294% | 2,287 |
| Efficiency ratio | 50.6023% | 3,937 |
| Assets per employee ($millions) | 11.2896% | 496 |
| Cash dividends to net income (ytd only)* | 30.6265% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 1,052 |
| Loan loss allowance to noncurrent loans | 48.0960% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 2.6672% | 85 |
| Noncurrent loans to loans | 3.1176% | 135 |
| Net loans and leases to total assets | 65.6300% | 2,293 |
| Net loans and leases to deposits | 78.5490% | 2,223 |
| Net loans and leases to core deposits | 95.3607% | 1,694 |
| Total domestic deposits to total assets | 83.5500% | 2,743 |
| Equity capital to assets | 15.4580% | 514 |
| Core capital (leverage) ratio | 16.0677% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6452% | 388 |
| Memoranda: | ||
| Average total assets | $399,883,200 | 2,012 |
| Average earning assets | $375,551,800 | 1,992 |
| Average equity | $71,280,800 | 1,232 |
| Average total loans | $281,948,000 | 1,865 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4501% | 144 |
| Cost of funding earning assets | 2.8107% | 154 |
| Net interest margin | 4.6394% | 501 |
| Noninterest income to average assets | 1.4900% | 391 |
| Noninterest expense to average assets | 2.7540% | 1,533 |
| Loan and lease loss provision to assets | 0.6200% | 119 |
| Net operating income to assets | 2.3221% | 316 |
| Return on assets (ROA) | 2.3221% | 311 |
| Pretax return on assets | 2.4807% | 385 |
| Return on Equity (ROE) | 12.5000% | 2,003 |
| Retained earnings to average equity (ytd only) | 7.4796% | 2,148 |
| Net charge-offs to loans | -0.0093% | 3,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.0029% | 4,091 |
| Assets per employee ($millions) | 9.5709% | 777 |
| Cash dividends to net income (ytd only)* | 40.1396% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0259% | 372 |
| Loan loss allowance to noncurrent loans | 56.9129% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 3.1319% | 64 |
| Noncurrent loans to loans | 3.5596% | 102 |
| Net loans and leases to total assets | 67.9000% | 2,051 |
| Net loans and leases to deposits | 82.8702% | 1,835 |
| Net loans and leases to core deposits | 99.5425% | 1,342 |
| Total domestic deposits to total assets | 81.9400% | 3,221 |
| Equity capital to assets | 16.7521% | 408 |
| Core capital (leverage) ratio | 17.8793% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5877% | 361 |
| Memoranda: | ||
| Average total assets | $378,491,250 | 2,085 |
| Average earning assets | $356,391,250 | 2,058 |
| Average equity | $70,340,750 | 1,241 |
| Average total loans | $271,571,500 | 1,910 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5059% | 128 |
| Cost of funding earning assets | 2.5189% | 187 |
| Net interest margin | 4.9870% | 316 |
| Noninterest income to average assets | 1.9800% | 243 |
| Noninterest expense to average assets | 2.8602% | 1,307 |
| Loan and lease loss provision to assets | 0.8300% | 86 |
| Net operating income to assets | 2.7982% | 172 |
| Return on assets (ROA) | 2.7982% | 170 |
| Pretax return on assets | 2.9643% | 212 |
| Return on Equity (ROE) | 14.4900% | 1,578 |
| Retained earnings to average equity (ytd only) | 6.9001% | 2,316 |
| Net charge-offs to loans | -0.0160% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.9617% | 4,301 |
| Assets per employee ($millions) | 8.6356% | 1,032 |
| Cash dividends to net income (ytd only)* | 52.3753% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1132% | 355 |
| Loan loss allowance to noncurrent loans | 40.9319% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 3.6338% | 46 |
| Noncurrent loans to loans | 5.1626% | 46 |
| Net loans and leases to total assets | 68.9000% | 1,862 |
| Net loans and leases to deposits | 86.7373% | 1,447 |
| Net loans and leases to core deposits | 102.8716% | 1,097 |
| Total domestic deposits to total assets | 79.4300% | 3,663 |
| Equity capital to assets | 18.2184% | 335 |
| Core capital (leverage) ratio | 19.3072% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9079% | 316 |
| Memoranda: | ||
| Average total assets | $361,091,333 | 2,162 |
| Average earning assets | $338,481,000 | 2,146 |
| Average equity | $69,737,667 | 1,240 |
| Average total loans | $262,598,667 | 1,944 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3111% | 93 |
| Cost of funding earning assets | 2.0345% | 276 |
| Net interest margin | 5.2766% | 205 |
| Noninterest income to average assets | 1.4700% | 338 |
| Noninterest expense to average assets | 2.6913% | 1,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.6149% | 113 |
| Return on assets (ROA) | 3.6149% | 113 |
| Pretax return on assets | 3.7877% | 117 |
| Return on Equity (ROE) | 18.1400% | 1,008 |
| Retained earnings to average equity (ytd only) | 4.1787% | 3,218 |
| Net charge-offs to loans | -0.0264% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.5393% | 4,402 |
| Assets per employee ($millions) | 8.3642% | 1,177 |
| Cash dividends to net income (ytd only)* | 76.9672% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 1,020 |
| Loan loss allowance to noncurrent loans | 54.3373% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 2.2380% | 99 |
| Noncurrent loans to loans | 2.9359% | 153 |
| Net loans and leases to total assets | 75.0100% | 1,079 |
| Net loans and leases to deposits | 96.9621% | 606 |
| Net loans and leases to core deposits | 121.3925% | 405 |
| Total domestic deposits to total assets | 77.3600% | 4,060 |
| Equity capital to assets | 19.7369% | 241 |
| Core capital (leverage) ratio | 20.2095% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4320% | 299 |
| Memoranda: | ||
| Average total assets | $347,336,500 | 2,246 |
| Average earning assets | $329,909,500 | 2,214 |
| Average equity | $69,208,000 | 1,256 |
| Average total loans | $257,135,500 | 1,992 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0665% | 268 |
| Cost of funding earning assets | 0.9882% | 174 |
| Net interest margin | 4.0783% | 691 |
| Noninterest income to average assets | 1.8800% | 272 |
| Noninterest expense to average assets | 2.9796% | 994 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 2.4855% | 146 |
| Return on assets (ROA) | 2.4855% | 142 |
| Pretax return on assets | 2.5839% | 191 |
| Return on Equity (ROE) | 15.2000% | 1,213 |
| Retained earnings to average equity (ytd only) | 8.2760% | 1,729 |
| Net charge-offs to loans | -0.0063% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.8004% | 3,905 |
| Assets per employee ($millions) | 8.3750% | 1,152 |
| Cash dividends to net income (ytd only)* | 45.5583% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,243 |
| Loan loss allowance to noncurrent loans | 63.1270% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.6894% | 169 |
| Noncurrent loans to loans | 2.3535% | 204 |
| Net loans and leases to total assets | 70.7200% | 1,560 |
| Net loans and leases to deposits | 90.1388% | 1,045 |
| Net loans and leases to core deposits | 110.5741% | 590 |
| Total domestic deposits to total assets | 78.4500% | 4,049 |
| Equity capital to assets | 20.1182% | 226 |
| Core capital (leverage) ratio | 20.2498% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5471% | 251 |
| Memoranda: | ||
| Average total assets | $313,865,600 | 2,382 |
| Average earning assets | $289,410,800 | 2,389 |
| Average equity | $51,316,800 | 1,584 |
| Average total loans | $205,508,400 | 2,192 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 529 |
| Cost of funding earning assets | 0.7481% | 202 |
| Net interest margin | 3.7113% | 1,108 |
| Noninterest income to average assets | 2.4400% | 217 |
| Noninterest expense to average assets | 2.9395% | 992 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.7407% | 125 |
| Return on assets (ROA) | 2.7407% | 121 |
| Pretax return on assets | 2.8842% | 153 |
| Return on Equity (ROE) | 16.8800% | 819 |
| Retained earnings to average equity (ytd only) | 7.5521% | 2,163 |
| Net charge-offs to loans | -0.0061% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.4743% | 4,132 |
| Assets per employee ($millions) | 7.9859% | 1,336 |
| Cash dividends to net income (ytd only)* | 55.2698% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 1,007 |
| Loan loss allowance to noncurrent loans | 57.9888% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.7949% | 159 |
| Noncurrent loans to loans | 2.8188% | 175 |
| Net loans and leases to total assets | 62.6400% | 2,222 |
| Net loans and leases to deposits | 80.5309% | 1,552 |
| Net loans and leases to core deposits | 93.9667% | 1,096 |
| Total domestic deposits to total assets | 77.7800% | 4,272 |
| Equity capital to assets | 20.6659% | 206 |
| Core capital (leverage) ratio | 21.0451% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6578% | 228 |
| Memoranda: | ||
| Average total assets | $306,488,000 | 2,433 |
| Average earning assets | $279,826,000 | 2,461 |
| Average equity | $49,750,750 | 1,654 |
| Average total loans | $195,264,250 | 2,263 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 824 |
| Cost of funding earning assets | 0.6597% | 198 |
| Net interest margin | 3.4088% | 1,576 |
| Noninterest income to average assets | 2.2049% | 204 |
| Noninterest expense to average assets | 2.9742% | 875 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.1722% | 168 |
| Return on assets (ROA) | 2.1722% | 168 |
| Pretax return on assets | 2.3051% | 219 |
| Return on Equity (ROE) | 14.8609% | 924 |
| Retained earnings to average equity (ytd only) | -1.0462% | 4,298 |
| Net charge-offs to loans | -0.0063% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3370% | 3,743 |
| Assets per employee ($millions) | 7.9046% | 1,356 |
| Cash dividends to net income (ytd only)* | 107.0397% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 947 |
| Loan loss allowance to noncurrent loans | 49.7662% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 2.1112% | 123 |
| Noncurrent loans to loans | 3.4316% | 135 |
| Net loans and leases to total assets | 60.4705% | 2,277 |
| Net loans and leases to deposits | 77.0289% | 1,606 |
| Net loans and leases to core deposits | 87.9550% | 1,226 |
| Total domestic deposits to total assets | 78.5036% | 4,330 |
| Equity capital to assets | 19.9736% | 169 |
| Core capital (leverage) ratio | 20.5159% | 170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0251% | 205 |
| Memoranda: | ||
| Average total assets | $299,509,667 | 2,486 |
| Average earning assets | $270,122,333 | 2,539 |
| Average equity | $43,779,333 | 1,866 |
| Average total loans | $190,853,667 | 2,293 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0460% | 706 |
| Cost of funding earning assets | 0.6655% | 187 |
| Net interest margin | 3.3805% | 1,350 |
| Noninterest income to average assets | 3.6320% | 136 |
| Noninterest expense to average assets | 3.1613% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 3.4148% | 60 |
| Return on assets (ROA) | 3.4148% | 59 |
| Pretax return on assets | 3.4914% | 78 |
| Return on Equity (ROE) | 29.4508% | 66 |
| Retained earnings to average equity (ytd only) | -12.3713% | 4,602 |
| Net charge-offs to loans | -0.0064% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5194% | 4,428 |
| Assets per employee ($millions) | 7.1028% | 1,921 |
| Cash dividends to net income (ytd only)* | 142.0065% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8639% | 790 |
| Loan loss allowance to noncurrent loans | 57.6904% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 2.0250% | 139 |
| Noncurrent loans to loans | 3.2309% | 151 |
| Net loans and leases to total assets | 61.5061% | 1,916 |
| Net loans and leases to deposits | 71.8959% | 1,786 |
| Net loans and leases to core deposits | 83.0971% | 1,291 |
| Total domestic deposits to total assets | 85.5488% | 3,405 |
| Equity capital to assets | 11.2978% | 1,194 |
| Core capital (leverage) ratio | 11.7493% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3262% | 1,184 |
| Memoranda: | ||
| Average total assets | $287,221,000 | 2,567 |
| Average earning assets | $256,647,000 | 2,637 |
| Average equity | $33,303,000 | 2,317 |
| Average total loans | $186,589,500 | 2,321 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 656 |
| Cost of funding earning assets | 0.7887% | 216 |
| Net interest margin | 3.6571% | 1,326 |
| Noninterest income to average assets | 3.5990% | 155 |
| Noninterest expense to average assets | 3.2969% | 635 |
| Loan and lease loss provision to assets | 0.5353% | 99 |
| Net operating income to assets | 2.9550% | 104 |
| Return on assets (ROA) | 2.9550% | 105 |
| Pretax return on assets | 3.1868% | 122 |
| Return on Equity (ROE) | 27.6089% | 90 |
| Retained earnings to average equity (ytd only) | 21.0961% | 47 |
| Net charge-offs to loans | 0.1915% | 511 |
| Credit loss provision to net charge-offs | 421.6867% | 885 |
| Earnings coverage of net charge-offs (x) | 29.3193% | 1,621 |
| Efficiency ratio | 46.9710% | 4,456 |
| Assets per employee ($millions) | 7.8674% | 1,404 |
| Cash dividends to net income (ytd only)* | 23.5895% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 898 |
| Loan loss allowance to noncurrent loans | 101.9190% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.1775% | 424 |
| Noncurrent loans to loans | 1.7492% | 490 |
| Net loans and leases to total assets | 66.1176% | 1,458 |
| Net loans and leases to deposits | 77.4944% | 1,448 |
| Net loans and leases to core deposits | 90.1998% | 963 |
| Total domestic deposits to total assets | 85.3192% | 3,165 |
| Equity capital to assets | 11.9003% | 1,297 |
| Core capital (leverage) ratio | 12.3150% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0616% | 1,030 |
| Memoranda: | ||
| Average total assets | $261,518,800 | 2,656 |
| Average earning assets | $244,565,400 | 2,653 |
| Average equity | $27,991,000 | 2,651 |
| Average total loans | $173,379,800 | 2,435 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 787 |
| Cost of funding earning assets | 0.8235% | 216 |
| Net interest margin | 3.5929% | 1,614 |
| Noninterest income to average assets | 3.8782% | 148 |
| Noninterest expense to average assets | 3.0681% | 864 |
| Loan and lease loss provision to assets | 0.5205% | 101 |
| Net operating income to assets | 3.6715% | 81 |
| Return on assets (ROA) | 3.6715% | 83 |
| Pretax return on assets | 3.6715% | 107 |
| Return on Equity (ROE) | 35.3974% | 55 |
| Retained earnings to average equity (ytd only) | 26.2469% | 41 |
| Net charge-offs to loans | 0.0268% | 1,509 |
| Credit loss provision to net charge-offs | 2,941.1765% | 243 |
| Earnings coverage of net charge-offs (x) | 236.8235% | 502 |
| Efficiency ratio | 42.2589% | 4,653 |
| Assets per employee ($millions) | 8.4400% | 1,074 |
| Cash dividends to net income (ytd only)* | 25.8508% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8708% | 810 |
| Loan loss allowance to noncurrent loans | 129.6500% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 811 |
| Noncurrent loans to loans | 1.4430% | 734 |
| Net loans and leases to total assets | 58.5425% | 2,420 |
| Net loans and leases to deposits | 66.6049% | 2,578 |
| Net loans and leases to core deposits | 77.2524% | 1,938 |
| Total domestic deposits to total assets | 87.8951% | 1,906 |
| Equity capital to assets | 9.7860% | 3,120 |
| Core capital (leverage) ratio | 10.4667% | 2,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2406% | 1,093 |
| Memoranda: | ||
| Average total assets | $256,091,750 | 2,705 |
| Average earning assets | $241,064,750 | 2,694 |
| Average equity | $26,562,500 | 2,785 |
| Average total loans | $169,059,250 | 2,509 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1090% | 1,328 |
| Cost of funding earning assets | 0.8635% | 216 |
| Net interest margin | 3.2455% | 2,617 |
| Noninterest income to average assets | 2.6116% | 231 |
| Noninterest expense to average assets | 2.9005% | 1,145 |
| Loan and lease loss provision to assets | 0.1482% | 807 |
| Net operating income to assets | 2.6380% | 186 |
| Return on assets (ROA) | 2.6380% | 197 |
| Pretax return on assets | 2.6380% | 286 |
| Return on Equity (ROE) | 24.8636% | 199 |
| Retained earnings to average equity (ytd only) | 12.3348% | 845 |
| Net charge-offs to loans | -0.0168% | 3,911 |
| Credit loss provision to net charge-offs | -1,285.7143% | 3,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0059% | 4,145 |
| Assets per employee ($millions) | 7.0212% | 1,789 |
| Cash dividends to net income (ytd only)* | 50.3900% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 1,992 |
| Loan loss allowance to noncurrent loans | 95.6439% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.0162% | 734 |
| Noncurrent loans to loans | 1.4592% | 786 |
| Net loans and leases to total assets | 68.6708% | 1,365 |
| Net loans and leases to deposits | 78.8053% | 1,545 |
| Net loans and leases to core deposits | 95.1075% | 851 |
| Total domestic deposits to total assets | 87.1398% | 2,243 |
| Equity capital to assets | 10.2546% | 2,617 |
| Core capital (leverage) ratio | 10.6215% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2560% | 1,070 |
| Memoranda: | ||
| Average total assets | $242,988,667 | 2,791 |
| Average earning assets | $230,227,667 | 2,762 |
| Average equity | $25,780,667 | 2,826 |
| Average total loans | $166,668,333 | 2,539 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 1,112 |
| Cost of funding earning assets | 0.9011% | 221 |
| Net interest margin | 3.3518% | 2,241 |
| Noninterest income to average assets | 2.2200% | 315 |
| Noninterest expense to average assets | 2.9669% | 1,043 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4178% | 302 |
| Return on assets (ROA) | 2.4178% | 328 |
| Pretax return on assets | 2.4178% | 505 |
| Return on Equity (ROE) | 22.3739% | 369 |
| Retained earnings to average equity (ytd only) | 18.9815% | 317 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0982% | 3,653 |
| Assets per employee ($millions) | 7.1898% | 1,659 |
| Cash dividends to net income (ytd only)* | 15.1622% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 1,924 |
| Loan loss allowance to noncurrent loans | 229.2035% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 2,154 |
| Noncurrent loans to loans | 0.6140% | 2,035 |
| Net loans and leases to total assets | 66.8011% | 1,686 |
| Net loans and leases to deposits | 76.9860% | 1,800 |
| Net loans and leases to core deposits | 95.8181% | 892 |
| Total domestic deposits to total assets | 86.7705% | 2,413 |
| Equity capital to assets | 10.7394% | 2,047 |
| Core capital (leverage) ratio | 11.3013% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9299% | 801 |
| Memoranda: | ||
| Average total assets | $234,590,000 | 2,828 |
| Average earning assets | $221,496,000 | 2,808 |
| Average equity | $25,351,000 | 2,849 |
| Average total loans | $159,541,500 | 2,607 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 1,210 |
| Cost of funding earning assets | 1.3879% | 129 |
| Net interest margin | 3.1540% | 3,485 |
| Noninterest income to average assets | 3.6207% | 150 |
| Noninterest expense to average assets | 3.8072% | 456 |
| Loan and lease loss provision to assets | 0.6262% | 304 |
| Net operating income to assets | 2.1462% | 201 |
| Return on assets (ROA) | 2.1462% | 214 |
| Pretax return on assets | 2.1462% | 332 |
| Return on Equity (ROE) | 19.9447% | 233 |
| Retained earnings to average equity (ytd only) | 14.6371% | 167 |
| Net charge-offs to loans | 0.2252% | 772 |
| Credit loss provision to net charge-offs | 364.3293% | 1,545 |
| Earnings coverage of net charge-offs (x) | 16.1311% | 2,144 |
| Efficiency ratio | 57.8641% | 3,741 |
| Assets per employee ($millions) | 7.0227% | 1,571 |
| Cash dividends to net income (ytd only)* | 26.6113% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5190% | 1,521 |
| Loan loss allowance to noncurrent loans | 700.0000% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 3,539 |
| Noncurrent loans to loans | 0.2170% | 3,424 |
| Net loans and leases to total assets | 67.2477% | 1,926 |
| Net loans and leases to deposits | 77.9133% | 2,077 |
| Net loans and leases to core deposits | 102.5571% | 786 |
| Total domestic deposits to total assets | 86.3109% | 2,230 |
| Equity capital to assets | 10.8795% | 2,362 |
| Core capital (leverage) ratio | 11.2718% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1888% | 752 |
| Memoranda: | ||
| Average total assets | $190,847,200 | 3,022 |
| Average earning assets | $179,044,000 | 3,007 |
| Average equity | $20,536,800 | 3,136 |
| Average total loans | $145,662,000 | 2,698 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7437% | 974 |
| Cost of funding earning assets | 1.4855% | 129 |
| Net interest margin | 3.2582% | 3,315 |
| Noninterest income to average assets | 4.6423% | 118 |
| Noninterest expense to average assets | 4.1254% | 337 |
| Loan and lease loss provision to assets | 0.8735% | 190 |
| Net operating income to assets | 2.6881% | 119 |
| Return on assets (ROA) | 2.6881% | 122 |
| Pretax return on assets | 2.6881% | 161 |
| Return on Equity (ROE) | 25.0657% | 118 |
| Retained earnings to average equity (ytd only) | 17.6353% | 113 |
| Net charge-offs to loans | 0.2514% | 609 |
| Credit loss provision to net charge-offs | 440.9594% | 1,383 |
| Earnings coverage of net charge-offs (x) | 17.9779% | 1,981 |
| Efficiency ratio | 53.6662% | 4,188 |
| Assets per employee ($millions) | 6.7954% | 1,624 |
| Cash dividends to net income (ytd only)* | 29.6437% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 1,361 |
| Loan loss allowance to noncurrent loans | 5,191.3043% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 4,369 |
| Noncurrent loans to loans | 0.0290% | 4,286 |
| Net loans and leases to total assets | 71.7553% | 1,705 |
| Net loans and leases to deposits | 84.5360% | 1,854 |
| Net loans and leases to core deposits | 115.3953% | 516 |
| Total domestic deposits to total assets | 84.8813% | 2,486 |
| Equity capital to assets | 9.6711% | 3,541 |
| Core capital (leverage) ratio | 10.5407% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5945% | 1,354 |
| Memoranda: | ||
| Average total assets | $182,377,500 | 3,072 |
| Average earning assets | $170,437,750 | 3,059 |
| Average equity | $19,558,750 | 3,229 |
| Average total loans | $143,714,000 | 2,719 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8414% | 1,072 |
| Cost of funding earning assets | 1.5667% | 135 |
| Net interest margin | 3.2747% | 3,447 |
| Noninterest income to average assets | 2.7958% | 181 |
| Noninterest expense to average assets | 3.7812% | 514 |
| Loan and lease loss provision to assets | 0.5214% | 660 |
| Net operating income to assets | 1.6451% | 682 |
| Return on assets (ROA) | 1.6451% | 743 |
| Pretax return on assets | 1.6451% | 1,116 |
| Return on Equity (ROE) | 14.7260% | 751 |
| Retained earnings to average equity (ytd only) | 13.6771% | 295 |
| Net charge-offs to loans | 0.3645% | 439 |
| Credit loss provision to net charge-offs | 175.8893% | 2,011 |
| Earnings coverage of net charge-offs (x) | 7.3083% | 2,375 |
| Efficiency ratio | 63.5737% | 2,873 |
| Assets per employee ($millions) | 6.5823% | 1,720 |
| Cash dividends to net income (ytd only)* | 7.1225% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 3,364 |
| Loan loss allowance to noncurrent loans | 139.2767% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 1,997 |
| Noncurrent loans to loans | 0.7473% | 2,010 |
| Net loans and leases to total assets | 79.7311% | 621 |
| Net loans and leases to deposits | 92.4418% | 1,106 |
| Net loans and leases to core deposits | 137.5810% | 188 |
| Total domestic deposits to total assets | 86.2501% | 1,913 |
| Equity capital to assets | 10.0000% | 3,209 |
| Core capital (leverage) ratio | 11.0184% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9294% | 1,507 |
| Memoranda: | ||
| Average total assets | $170,685,667 | 3,156 |
| Average earning assets | $164,290,667 | 3,095 |
| Average equity | $19,068,333 | 3,262 |
| Average total loans | $138,811,333 | 2,760 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2965% | 555 |
| Cost of funding earning assets | 1.7285% | 115 |
| Net interest margin | 3.5680% | 2,777 |
| Noninterest income to average assets | 3.2907% | 136 |
| Noninterest expense to average assets | 4.1375% | 432 |
| Loan and lease loss provision to assets | 1.1316% | 174 |
| Net operating income to assets | 1.4546% | 866 |
| Return on assets (ROA) | 1.4546% | 939 |
| Pretax return on assets | 1.4546% | 1,427 |
| Return on Equity (ROE) | 12.2163% | 1,050 |
| Retained earnings to average equity (ytd only) | 12.2163% | 398 |
| Net charge-offs to loans | 0.7896% | 193 |
| Credit loss provision to net charge-offs | 175.1969% | 1,488 |
| Earnings coverage of net charge-offs (x) | 4.0039% | 2,165 |
| Efficiency ratio | 61.5356% | 3,550 |
| Assets per employee ($millions) | 5.5530% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,515 |
| Loan loss allowance to noncurrent loans | 139.3098% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 1,825 |
| Noncurrent loans to loans | 0.8823% | 1,849 |
| Net loans and leases to total assets | 82.5834% | 386 |
| Net loans and leases to deposits | 96.5346% | 855 |
| Net loans and leases to core deposits | 162.6717% | 74 |
| Total domestic deposits to total assets | 85.5480% | 2,193 |
| Equity capital to assets | 11.8079% | 2,209 |
| Core capital (leverage) ratio | 12.2548% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1565% | 1,565 |
| Memoranda: | ||
| Average total assets | $157,293,500 | 3,240 |
| Average earning assets | $151,345,500 | 3,177 |
| Average equity | $18,729,000 | 3,297 |
| Average total loans | $128,666,500 | 2,854 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8220% | 310 |
| Cost of funding earning assets | 1.8474% | 120 |
| Net interest margin | 3.9746% | 1,928 |
| Noninterest income to average assets | 3.1657% | 140 |
| Noninterest expense to average assets | 4.0898% | 479 |
| Loan and lease loss provision to assets | 0.2463% | 756 |
| Net operating income to assets | 2.6396% | 113 |
| Return on assets (ROA) | 2.6396% | 119 |
| Pretax return on assets | 2.6396% | 162 |
| Return on Equity (ROE) | 23.1116% | 108 |
| Retained earnings to average equity (ytd only) | 15.9586% | 69 |
| Net charge-offs to loans | 0.0435% | 2,521 |
| Credit loss provision to net charge-offs | 689.7959% | 461 |
| Earnings coverage of net charge-offs (x) | 80.8163% | 785 |
| Efficiency ratio | 58.6293% | 3,893 |
| Assets per employee ($millions) | 5.6871% | 1,886 |
| Cash dividends to net income (ytd only)* | 30.9498% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 2,470 |
| Loan loss allowance to noncurrent loans | 233.8658% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 2,766 |
| Noncurrent loans to loans | 0.5102% | 2,660 |
| Net loans and leases to total assets | 78.9477% | 942 |
| Net loans and leases to deposits | 91.4161% | 1,441 |
| Net loans and leases to core deposits | 164.4108% | 75 |
| Total domestic deposits to total assets | 86.3609% | 1,905 |
| Equity capital to assets | 12.0110% | 2,126 |
| Core capital (leverage) ratio | 12.5759% | 1,446 |
| Tier 1 risk-based capital ratio | 15.8764% | 2,448 |
| Total risk-based capital ratio | 17.1264% | 2,393 |
| Memoranda: | ||
| Average total assets | $137,219,800 | 3,473 |
| Average earning assets | $131,535,800 | 3,397 |
| Average equity | $15,671,800 | 3,574 |
| Average total loans | $112,548,800 | 3,044 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9353% | 271 |
| Cost of funding earning assets | 1.8507% | 120 |
| Net interest margin | 4.0846% | 1,659 |
| Noninterest income to average assets | 3.3549% | 130 |
| Noninterest expense to average assets | 4.0058% | 528 |
| Loan and lease loss provision to assets | 0.2504% | 652 |
| Net operating income to assets | 3.0154% | 82 |
| Return on assets (ROA) | 3.0154% | 87 |
| Pretax return on assets | 3.0154% | 114 |
| Return on Equity (ROE) | 26.8013% | 66 |
| Retained earnings to average equity (ytd only) | 16.8232% | 90 |
| Net charge-offs to loans | -0.0012% | 4,011 |
| Credit loss provision to net charge-offs | -25,000.0000% | 4,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0888% | 4,272 |
| Assets per employee ($millions) | 5.1737% | 2,371 |
| Cash dividends to net income (ytd only)* | 37.2301% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,510 |
| Loan loss allowance to noncurrent loans | 240.4722% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.5474% | 2,368 |
| Noncurrent loans to loans | 0.4988% | 2,798 |
| Net loans and leases to total assets | 81.0754% | 700 |
| Net loans and leases to deposits | 92.4650% | 1,377 |
| Net loans and leases to core deposits | 169.7853% | 72 |
| Total domestic deposits to total assets | 87.6822% | 1,173 |
| Equity capital to assets | 11.2740% | 2,854 |
| Core capital (leverage) ratio | 11.3235% | 2,362 |
| Tier 1 risk-based capital ratio | 14.4178% | 3,126 |
| Total risk-based capital ratio | 15.6678% | 3,033 |
| Memoranda: | ||
| Average total assets | $133,137,000 | 3,560 |
| Average earning assets | $127,662,500 | 3,490 |
| Average equity | $14,979,000 | 3,674 |
| Average total loans | $110,013,750 | 3,125 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8464% | 307 |
| Cost of funding earning assets | 1.8014% | 128 |
| Net interest margin | 4.0450% | 1,783 |
| Noninterest income to average assets | 4.2174% | 108 |
| Noninterest expense to average assets | 4.3752% | 344 |
| Loan and lease loss provision to assets | 0.3095% | 438 |
| Net operating income to assets | 3.4110% | 67 |
| Return on assets (ROA) | 3.4110% | 72 |
| Pretax return on assets | 3.4110% | 91 |
| Return on Equity (ROE) | 30.3414% | 42 |
| Retained earnings to average equity (ytd only) | 14.9091% | 176 |
| Net charge-offs to loans | -0.0019% | 3,942 |
| Credit loss provision to net charge-offs | -20,000.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0432% | 4,465 |
| Assets per employee ($millions) | 5.0542% | 2,410 |
| Cash dividends to net income (ytd only)* | 50.8621% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 2,652 |
| Loan loss allowance to noncurrent loans | 559.3496% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 3,279 |
| Noncurrent loans to loans | 0.2100% | 3,791 |
| Net loans and leases to total assets | 81.8207% | 632 |
| Net loans and leases to deposits | 92.8236% | 1,398 |
| Net loans and leases to core deposits | 181.3911% | 57 |
| Total domestic deposits to total assets | 88.1464% | 1,031 |
| Equity capital to assets | 10.9703% | 3,098 |
| Core capital (leverage) ratio | 11.9095% | 1,882 |
| Tier 1 risk-based capital ratio | 14.3389% | 3,147 |
| Total risk-based capital ratio | 15.5894% | 3,068 |
| Memoranda: | ||
| Average total assets | $129,228,000 | 3,629 |
| Average earning assets | $123,905,670 | 3,562 |
| Average equity | $14,528,000 | 3,718 |
| Average total loans | $107,060,000 | 3,183 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9066% | 256 |
| Cost of funding earning assets | 1.7733% | 111 |
| Net interest margin | 4.1332% | 1,474 |
| Noninterest income to average assets | 2.5804% | 181 |
| Noninterest expense to average assets | 4.3255% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1936% | 274 |
| Return on assets (ROA) | 2.1936% | 284 |
| Pretax return on assets | 2.1936% | 455 |
| Return on Equity (ROE) | 19.2452% | 311 |
| Retained earnings to average equity (ytd only) | 19.2452% | 120 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3509% | 2,890 |
| Assets per employee ($millions) | 5.1745% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,145 |
| Loan loss allowance to noncurrent loans | 477.6423% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 2,895 |
| Noncurrent loans to loans | 0.2297% | 3,755 |
| Net loans and leases to total assets | 81.8780% | 602 |
| Net loans and leases to deposits | 98.4185% | 744 |
| Net loans and leases to core deposits | 171.4011% | 62 |
| Total domestic deposits to total assets | 83.1937% | 3,313 |
| Equity capital to assets | 11.6858% | 2,248 |
| Core capital (leverage) ratio | 12.5071% | 1,508 |
| Tier 1 risk-based capital ratio | 15.1399% | 2,823 |
| Total risk-based capital ratio | 16.3166% | 2,776 |
| Memoranda: | ||
| Average total assets | $123,083,000 | 3,748 |
| Average earning assets | $117,293,500 | 3,694 |
| Average equity | $14,029,500 | 3,797 |
| Average total loans | $102,006,500 | 3,294 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8296% | 228 |
| Cost of funding earning assets | 1.2594% | 261 |
| Net interest margin | 4.5701% | 654 |
| Noninterest income to average assets | 3.2125% | 143 |
| Noninterest expense to average assets | 4.5436% | 286 |
| Loan and lease loss provision to assets | 0.5437% | 207 |
| Net operating income to assets | 2.4588% | 162 |
| Return on assets (ROA) | 2.4588% | 159 |
| Pretax return on assets | 2.4588% | 228 |
| Return on Equity (ROE) | 21.5551% | 175 |
| Retained earnings to average equity (ytd only) | 16.6245% | 76 |
| Net charge-offs to loans | 0.1843% | 1,044 |
| Credit loss provision to net charge-offs | 362.5000% | 882 |
| Earnings coverage of net charge-offs (x) | 20.0188% | 2,020 |
| Efficiency ratio | 60.2112% | 3,820 |
| Assets per employee ($millions) | 4.6722% | 2,921 |
| Cash dividends to net income (ytd only)* | 22.8746% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 2,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 3,550 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 81.9698% | 655 |
| Net loans and leases to deposits | 107.6017% | 319 |
| Net loans and leases to core deposits | 170.3963% | 67 |
| Total domestic deposits to total assets | 76.1789% | 4,735 |
| Equity capital to assets | 11.0801% | 2,608 |
| Core capital (leverage) ratio | 11.8114% | 1,862 |
| Tier 1 risk-based capital ratio | 14.1297% | 3,229 |
| Total risk-based capital ratio | 15.3787% | 3,164 |
| Memoranda: | ||
| Average total assets | $106,678,600 | 3,993 |
| Average earning assets | $101,157,000 | 3,958 |
| Average equity | $12,168,800 | 4,001 |
| Average total loans | $86,792,400 | 3,537 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8199% | 212 |
| Cost of funding earning assets | 1.1853% | 275 |
| Net interest margin | 4.6346% | 548 |
| Noninterest income to average assets | 3.6435% | 129 |
| Noninterest expense to average assets | 4.5153% | 291 |
| Loan and lease loss provision to assets | 0.3072% | 471 |
| Net operating income to assets | 3.2210% | 67 |
| Return on assets (ROA) | 3.2210% | 68 |
| Pretax return on assets | 3.2210% | 93 |
| Return on Equity (ROE) | 28.0120% | 47 |
| Retained earnings to average equity (ytd only) | 28.0120% | 12 |
| Net charge-offs to loans | -0.0016% | 4,064 |
| Credit loss provision to net charge-offs | -24,000.0000% | 4,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1356% | 4,374 |
| Assets per employee ($millions) | 4.7629% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,198 |
| Loan loss allowance to noncurrent loans | 119.2814% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.2204% | 1,139 |
| Noncurrent loans to loans | 0.9213% | 1,856 |
| Net loans and leases to total assets | 78.4183% | 1,270 |
| Net loans and leases to deposits | 110.5697% | 271 |
| Net loans and leases to core deposits | 143.2223% | 188 |
| Total domestic deposits to total assets | 70.9221% | 5,183 |
| Equity capital to assets | 11.7531% | 2,068 |
| Core capital (leverage) ratio | 12.1530% | 1,691 |
| Tier 1 risk-based capital ratio | 15.1906% | 2,796 |
| Total risk-based capital ratio | 16.3167% | 2,776 |
| Memoranda: | ||
| Average total assets | $104,147,250 | 4,071 |
| Average earning assets | $98,876,000 | 4,031 |
| Average equity | $11,975,500 | 4,063 |
| Average total loans | $84,260,750 | 3,620 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6849% | 242 |
| Cost of funding earning assets | 1.0749% | 327 |
| Net interest margin | 4.6100% | 537 |
| Noninterest income to average assets | 1.9214% | 290 |
| Noninterest expense to average assets | 3.8805% | 617 |
| Loan and lease loss provision to assets | 0.2382% | 666 |
| Net operating income to assets | 2.1953% | 260 |
| Return on assets (ROA) | 2.1953% | 252 |
| Pretax return on assets | 2.1953% | 391 |
| Return on Equity (ROE) | 19.2532% | 313 |
| Retained earnings to average equity (ytd only) | 19.2532% | 77 |
| Net charge-offs to loans | -0.0024% | 3,980 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4587% | 3,699 |
| Assets per employee ($millions) | 4.8815% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,990 |
| Loan loss allowance to noncurrent loans | 105.8041% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.2354% | 1,160 |
| Noncurrent loans to loans | 0.9204% | 1,883 |
| Net loans and leases to total assets | 79.2543% | 1,121 |
| Net loans and leases to deposits | 117.9022% | 129 |
| Net loans and leases to core deposits | 161.4069% | 74 |
| Total domestic deposits to total assets | 67.2204% | 5,357 |
| Equity capital to assets | 10.7104% | 2,920 |
| Core capital (leverage) ratio | 11.7468% | 1,873 |
| Tier 1 risk-based capital ratio | 14.5853% | 3,080 |
| Total risk-based capital ratio | 15.6466% | 3,081 |
| Memoranda: | ||
| Average total assets | $100,759,670 | 4,163 |
| Average earning assets | $96,009,000 | 4,113 |
| Average equity | $11,489,000 | 4,158 |
| Average total loans | $82,135,670 | 3,675 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0494% | 126 |
| Cost of funding earning assets | 0.9936% | 377 |
| Net interest margin | 5.0558% | 210 |
| Noninterest income to average assets | 1.8105% | 308 |
| Noninterest expense to average assets | 3.9199% | 574 |
| Loan and lease loss provision to assets | 0.1895% | 891 |
| Net operating income to assets | 2.5431% | 136 |
| Return on assets (ROA) | 2.5431% | 137 |
| Pretax return on assets | 2.5431% | 198 |
| Return on Equity (ROE) | 21.5311% | 174 |
| Retained earnings to average equity (ytd only) | 21.5311% | 78 |
| Net charge-offs to loans | -0.0051% | 4,017 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9241% | 4,229 |
| Assets per employee ($millions) | 4.8684% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 3,999 |
| Loan loss allowance to noncurrent loans | 105.5409% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.3536% | 1,086 |
| Noncurrent loans to loans | 0.9414% | 1,940 |
| Net loans and leases to total assets | 81.8739% | 680 |
| Net loans and leases to deposits | 115.9279% | 157 |
| Net loans and leases to core deposits | 152.4818% | 111 |
| Total domestic deposits to total assets | 70.6248% | 5,349 |
| Equity capital to assets | 11.8345% | 1,891 |
| Core capital (leverage) ratio | 12.2586% | 1,494 |
| Tier 1 risk-based capital ratio | 15.4574% | 2,678 |
| Total risk-based capital ratio | 16.5305% | 2,686 |
| Memoranda: | ||
| Average total assets | $95,002,500 | 4,307 |
| Average earning assets | $90,984,000 | 4,251 |
| Average equity | $11,221,000 | 4,243 |
| Average total loans | $78,275,000 | 3,775 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 465 |
| Cost of funding earning assets | 0.6586% | 1,252 |
| Net interest margin | 4.5192% | 592 |
| Noninterest income to average assets | 2.4945% | 219 |
| Noninterest expense to average assets | 4.2851% | 384 |
| Loan and lease loss provision to assets | 0.2536% | 727 |
| Net operating income to assets | 2.3218% | 157 |
| Return on assets (ROA) | 2.3218% | 156 |
| Pretax return on assets | 2.3218% | 255 |
| Return on Equity (ROE) | 18.8692% | 248 |
| Retained earnings to average equity (ytd only) | 18.8692% | 46 |
| Net charge-offs to loans | -0.0015% | 4,513 |
| Credit loss provision to net charge-offs | -21,000.0000% | 5,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4604% | 3,868 |
| Assets per employee ($millions) | 4.6319% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 3,995 |
| Loan loss allowance to noncurrent loans | 96.4194% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.4487% | 968 |
| Noncurrent loans to loans | 1.0285% | 1,727 |
| Net loans and leases to total assets | 81.2602% | 787 |
| Net loans and leases to deposits | 115.3582% | 158 |
| Net loans and leases to core deposits | 152.3949% | 122 |
| Total domestic deposits to total assets | 70.4416% | 5,388 |
| Equity capital to assets | 11.7869% | 1,984 |
| Core capital (leverage) ratio | 13.2143% | 1,069 |
| Tier 1 risk-based capital ratio | 15.2953% | 2,701 |
| Total risk-based capital ratio | 16.3515% | 2,740 |
| Memoranda: | ||
| Average total assets | $82,822,800 | 4,537 |
| Average earning assets | $80,014,400 | 4,462 |
| Average equity | $10,191,200 | 4,422 |
| Average total loans | $66,251,600 | 4,046 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0877% | 515 |
| Cost of funding earning assets | 0.6293% | 1,359 |
| Net interest margin | 4.4584% | 654 |
| Noninterest income to average assets | 2.9380% | 186 |
| Noninterest expense to average assets | 4.0910% | 468 |
| Loan and lease loss provision to assets | 0.1493% | 1,404 |
| Net operating income to assets | 2.9994% | 81 |
| Return on assets (ROA) | 2.9994% | 79 |
| Pretax return on assets | 2.9994% | 111 |
| Return on Equity (ROE) | 24.0838% | 84 |
| Retained earnings to average equity (ytd only) | 24.0838% | 31 |
| Net charge-offs to loans | -0.0021% | 4,325 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5078% | 4,677 |
| Assets per employee ($millions) | 4.8801% | 2,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 4,492 |
| Loan loss allowance to noncurrent loans | 83.4211% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.6996% | 847 |
| Noncurrent loans to loans | 1.0963% | 1,752 |
| Net loans and leases to total assets | 82.7945% | 570 |
| Net loans and leases to deposits | 109.5782% | 289 |
| Net loans and leases to core deposits | 125.2151% | 426 |
| Total domestic deposits to total assets | 75.5575% | 5,070 |
| Equity capital to assets | 13.0228% | 1,377 |
| Core capital (leverage) ratio | 13.8258% | 934 |
| Tier 1 risk-based capital ratio | 16.7707% | 2,226 |
| Total risk-based capital ratio | 17.7548% | 2,277 |
| Memoranda: | ||
| Average total assets | $80,369,250 | 4,628 |
| Average earning assets | $77,545,000 | 4,551 |
| Average equity | $10,009,250 | 4,487 |
| Average total loans | $63,806,750 | 4,138 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8957% | 702 |
| Cost of funding earning assets | 0.5872% | 1,531 |
| Net interest margin | 4.3085% | 837 |
| Noninterest income to average assets | 3.0036% | 185 |
| Noninterest expense to average assets | 3.9419% | 568 |
| Loan and lease loss provision to assets | 0.1509% | 1,339 |
| Net operating income to assets | 3.0640% | 73 |
| Return on assets (ROA) | 3.0640% | 75 |
| Pretax return on assets | 3.0640% | 109 |
| Return on Equity (ROE) | 24.9992% | 79 |
| Retained earnings to average equity (ytd only) | 24.9992% | 30 |
| Net charge-offs to loans | 0.0968% | 1,657 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 42.6000% | 1,202 |
| Efficiency ratio | 55.0791% | 4,916 |
| Assets per employee ($millions) | 4.6963% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 4,519 |
| Loan loss allowance to noncurrent loans | 203.9146% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 1.3721% | 1,155 |
| Noncurrent loans to loans | 0.4554% | 3,380 |
| Net loans and leases to total assets | 81.3521% | 763 |
| Net loans and leases to deposits | 102.4005% | 589 |
| Net loans and leases to core deposits | 117.8189% | 644 |
| Total domestic deposits to total assets | 79.4450% | 4,522 |
| Equity capital to assets | 13.5933% | 1,116 |
| Core capital (leverage) ratio | 13.2015% | 1,103 |
| Tier 1 risk-based capital ratio | 18.3675% | 1,757 |
| Total risk-based capital ratio | 19.3979% | 1,770 |
| Memoranda: | ||
| Average total assets | $79,505,000 | 4,672 |
| Average earning assets | $76,638,670 | 4,599 |
| Average equity | $9,744,330 | 4,550 |
| Average total loans | $61,968,330 | 4,203 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9246% | 594 |
| Cost of funding earning assets | 0.5590% | 1,660 |
| Net interest margin | 4.3656% | 680 |
| Noninterest income to average assets | 4.9261% | 118 |
| Noninterest expense to average assets | 3.9565% | 565 |
| Loan and lease loss provision to assets | 0.1469% | 1,270 |
| Net operating income to assets | 5.0289% | 42 |
| Return on assets (ROA) | 5.0289% | 42 |
| Pretax return on assets | 5.0289% | 60 |
| Return on Equity (ROE) | 43.1989% | 21 |
| Retained earnings to average equity (ytd only) | 43.1989% | 14 |
| Net charge-offs to loans | -0.0064% | 4,260 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3244% | 5,616 |
| Assets per employee ($millions) | 4.0963% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 4,533 |
| Loan loss allowance to noncurrent loans | 138.9831% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.4275% | 1,158 |
| Noncurrent loans to loans | 0.6855% | 2,791 |
| Net loans and leases to total assets | 76.6671% | 1,309 |
| Net loans and leases to deposits | 88.3110% | 1,756 |
| Net loans and leases to core deposits | 103.2907% | 1,271 |
| Total domestic deposits to total assets | 86.8149% | 2,301 |
| Equity capital to assets | 12.8781% | 1,314 |
| Core capital (leverage) ratio | 11.9872% | 1,641 |
| Tier 1 risk-based capital ratio | 18.0169% | 1,870 |
| Total risk-based capital ratio | 19.0487% | 1,891 |
| Memoranda: | ||
| Average total assets | $81,687,500 | 4,679 |
| Average earning assets | $78,706,500 | 4,599 |
| Average equity | $9,509,500 | 4,625 |
| Average total loans | $62,102,000 | 4,240 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 533 |
| Cost of funding earning assets | 0.5517% | 1,674 |
| Net interest margin | 4.5118% | 604 |
| Noninterest income to average assets | 1.8349% | 386 |
| Noninterest expense to average assets | 3.6723% | 916 |
| Loan and lease loss provision to assets | 0.1111% | 2,211 |
| Net operating income to assets | 2.2495% | 213 |
| Return on assets (ROA) | 2.2495% | 222 |
| Pretax return on assets | 2.2495% | 298 |
| Return on Equity (ROE) | 22.5178% | 132 |
| Retained earnings to average equity (ytd only) | 22.5178% | 36 |
| Net charge-offs to loans | 0.0387% | 3,254 |
| Credit loss provision to net charge-offs | 346.1538% | 883 |
| Earnings coverage of net charge-offs (x) | 73.5769% | 760 |
| Efficiency ratio | 60.8713% | 4,441 |
| Assets per employee ($millions) | 3.2902% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8490% | 4,963 |
| Loan loss allowance to noncurrent loans | 95.7672% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.5068% | 1,100 |
| Noncurrent loans to loans | 0.8865% | 2,330 |
| Net loans and leases to total assets | 74.1329% | 1,833 |
| Net loans and leases to deposits | 83.2124% | 2,512 |
| Net loans and leases to core deposits | 95.1279% | 1,998 |
| Total domestic deposits to total assets | 89.0888% | 1,073 |
| Equity capital to assets | 10.5161% | 3,138 |
| Core capital (leverage) ratio | 11.1788% | 2,184 |
| Tier 1 risk-based capital ratio | 15.7281% | 2,660 |
| Total risk-based capital ratio | 16.6774% | 2,713 |
| Memoranda: | ||
| Average total assets | $81,039,400 | 4,715 |
| Average earning assets | $75,402,000 | 4,694 |
| Average equity | $8,095,800 | 4,919 |
| Average total loans | $67,158,400 | 4,110 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2533% | 394 |
| Cost of funding earning assets | 0.5541% | 1,654 |
| Net interest margin | 4.6992% | 431 |
| Noninterest income to average assets | 2.2441% | 299 |
| Noninterest expense to average assets | 3.6556% | 914 |
| Loan and lease loss provision to assets | 0.1502% | 1,556 |
| Net operating income to assets | 2.7679% | 106 |
| Return on assets (ROA) | 2.7679% | 111 |
| Pretax return on assets | 2.7679% | 148 |
| Return on Equity (ROE) | 28.1033% | 53 |
| Retained earnings to average equity (ytd only) | 28.1033% | 18 |
| Net charge-offs to loans | 0.0510% | 2,641 |
| Credit loss provision to net charge-offs | 346.1538% | 937 |
| Earnings coverage of net charge-offs (x) | 67.2610% | 881 |
| Efficiency ratio | 55.6091% | 5,100 |
| Assets per employee ($millions) | 3.0405% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8125% | 5,155 |
| Loan loss allowance to noncurrent loans | 121.4765% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.6725% | 1,027 |
| Noncurrent loans to loans | 0.6689% | 3,017 |
| Net loans and leases to total assets | 80.7416% | 794 |
| Net loans and leases to deposits | 97.6344% | 889 |
| Net loans and leases to core deposits | 113.0953% | 760 |
| Total domestic deposits to total assets | 82.6979% | 3,713 |
| Equity capital to assets | 10.7584% | 3,300 |
| Core capital (leverage) ratio | 10.7720% | 2,708 |
| Tier 1 risk-based capital ratio | 13.9875% | 3,561 |
| Total risk-based capital ratio | 14.8475% | 3,713 |
| Memoranda: | ||
| Average total assets | $79,913,000 | 4,775 |
| Average earning assets | $73,628,000 | 4,765 |
| Average equity | $7,870,750 | 5,009 |
| Average total loans | $67,958,000 | 4,122 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1485% | 459 |
| Cost of funding earning assets | 0.5392% | 1,784 |
| Net interest margin | 4.6092% | 496 |
| Noninterest income to average assets | 1.4169% | 574 |
| Noninterest expense to average assets | 3.5663% | 1,056 |
| Loan and lease loss provision to assets | 0.1515% | 1,513 |
| Net operating income to assets | 1.9953% | 336 |
| Return on assets (ROA) | 1.9953% | 349 |
| Pretax return on assets | 1.9953% | 573 |
| Return on Equity (ROE) | 20.9262% | 198 |
| Retained earnings to average equity (ytd only) | 20.9262% | 52 |
| Net charge-offs to loans | 0.0761% | 2,100 |
| Credit loss provision to net charge-offs | 230.7692% | 1,176 |
| Earnings coverage of net charge-offs (x) | 32.6923% | 1,330 |
| Efficiency ratio | 62.4226% | 4,281 |
| Assets per employee ($millions) | 2.9413% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7599% | 5,376 |
| Loan loss allowance to noncurrent loans | 89.2174% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 2.0326% | 808 |
| Noncurrent loans to loans | 0.8517% | 2,612 |
| Net loans and leases to total assets | 81.3531% | 702 |
| Net loans and leases to deposits | 90.4647% | 1,697 |
| Net loans and leases to core deposits | 103.2739% | 1,380 |
| Total domestic deposits to total assets | 89.9280% | 518 |
| Equity capital to assets | 9.6689% | 4,592 |
| Core capital (leverage) ratio | 10.0516% | 3,509 |
| Tier 1 risk-based capital ratio | 13.5490% | 3,869 |
| Total risk-based capital ratio | 14.4218% | 4,018 |
| Memoranda: | ||
| Average total assets | $79,186,000 | 4,835 |
| Average earning assets | $73,808,330 | 4,806 |
| Average equity | $7,550,330 | 5,099 |
| Average total loans | $68,335,000 | 4,135 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3022% | 355 |
| Cost of funding earning assets | 0.5491% | 1,720 |
| Net interest margin | 4.7532% | 394 |
| Noninterest income to average assets | 1.0773% | 930 |
| Noninterest expense to average assets | 3.5773% | 1,054 |
| Loan and lease loss provision to assets | 0.1546% | 1,362 |
| Net operating income to assets | 1.7629% | 499 |
| Return on assets (ROA) | 1.7629% | 534 |
| Pretax return on assets | 1.7629% | 916 |
| Return on Equity (ROE) | 18.6275% | 316 |
| Retained earnings to average equity (ytd only) | 18.6275% | 116 |
| Net charge-offs to loans | 0.1571% | 1,183 |
| Credit loss provision to net charge-offs | 111.1111% | 1,504 |
| Earnings coverage of net charge-offs (x) | 13.7778% | 1,725 |
| Efficiency ratio | 65.1032% | 3,956 |
| Assets per employee ($millions) | 2.7842% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7315% | 5,536 |
| Loan loss allowance to noncurrent loans | 190.5138% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 1.4141% | 1,466 |
| Noncurrent loans to loans | 0.3840% | 4,067 |
| Net loans and leases to total assets | 87.0073% | 166 |
| Net loans and leases to deposits | 98.6248% | 712 |
| Net loans and leases to core deposits | 118.5364% | 508 |
| Total domestic deposits to total assets | 88.2205% | 1,519 |
| Equity capital to assets | 9.9969% | 4,087 |
| Core capital (leverage) ratio | 9.4266% | 4,317 |
| Tier 1 risk-based capital ratio | 13.0274% | 4,251 |
| Total risk-based capital ratio | 13.8630% | 4,423 |
| Memoranda: | ||
| Average total assets | $77,600,500 | 4,907 |
| Average earning assets | $72,120,500 | 4,873 |
| Average equity | $7,344,000 | 5,167 |
| Average total loans | $68,746,000 | 4,140 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 887 |
| Cost of funding earning assets | 0.5140% | 2,036 |
| Net interest margin | 4.3082% | 950 |
| Noninterest income to average assets | 0.8383% | 1,645 |
| Noninterest expense to average assets | 3.2627% | 1,805 |
| Loan and lease loss provision to assets | 0.0960% | 2,393 |
| Net operating income to assets | 1.5161% | 838 |
| Return on assets (ROA) | 1.5161% | 870 |
| Pretax return on assets | 1.5161% | 1,507 |
| Return on Equity (ROE) | 16.5024% | 509 |
| Retained earnings to average equity (ytd only) | 16.5024% | 104 |
| Net charge-offs to loans | 0.0562% | 3,094 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 33.5714% | 1,340 |
| Efficiency ratio | 66.9294% | 3,762 |
| Assets per employee ($millions) | 2.8581% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6690% | 5,694 |
| Loan loss allowance to noncurrent loans | 83.8879% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.3845% | 1,509 |
| Noncurrent loans to loans | 0.7974% | 2,797 |
| Net loans and leases to total assets | 88.8751% | 96 |
| Net loans and leases to deposits | 110.1228% | 236 |
| Net loans and leases to core deposits | 130.5693% | 262 |
| Total domestic deposits to total assets | 80.7055% | 4,567 |
| Equity capital to assets | 8.9631% | 5,159 |
| Core capital (leverage) ratio | 9.2888% | 4,492 |
| Tier 1 risk-based capital ratio | 12.0425% | 4,919 |
| Total risk-based capital ratio | 12.8467% | 5,103 |
| Memoranda: | ||
| Average total assets | $72,883,600 | 5,016 |
| Average earning assets | $68,288,400 | 4,979 |
| Average equity | $6,696,000 | 5,299 |
| Average total loans | $62,248,600 | 4,313 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8537% | 848 |
| Cost of funding earning assets | 0.5217% | 2,025 |
| Net interest margin | 4.3319% | 902 |
| Noninterest income to average assets | 0.9920% | 1,205 |
| Noninterest expense to average assets | 3.1261% | 2,151 |
| Loan and lease loss provision to assets | 0.0844% | 2,483 |
| Net operating income to assets | 1.8453% | 468 |
| Return on assets (ROA) | 1.8453% | 493 |
| Pretax return on assets | 1.8453% | 815 |
| Return on Equity (ROE) | 19.9486% | 272 |
| Retained earnings to average equity (ytd only) | 19.9486% | 65 |
| Net charge-offs to loans | 0.0779% | 2,438 |
| Credit loss provision to net charge-offs | 128.5714% | 1,891 |
| Earnings coverage of net charge-offs (x) | 29.3973% | 1,519 |
| Efficiency ratio | 61.8323% | 4,601 |
| Assets per employee ($millions) | 2.7160% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6963% | 5,737 |
| Loan loss allowance to noncurrent loans | 104.6083% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.6305% | 1,353 |
| Noncurrent loans to loans | 0.6656% | 3,334 |
| Net loans and leases to total assets | 85.1451% | 290 |
| Net loans and leases to deposits | 94.1053% | 1,191 |
| Net loans and leases to core deposits | 113.8297% | 678 |
| Total domestic deposits to total assets | 90.4785% | 392 |
| Equity capital to assets | 9.2730% | 5,031 |
| Core capital (leverage) ratio | 9.0442% | 4,944 |
| Tier 1 risk-based capital ratio | 13.5493% | 4,115 |
| Total risk-based capital ratio | 14.4216% | 4,258 |
| Memoranda: | ||
| Average total assets | $71,097,500 | 5,126 |
| Average earning assets | $66,697,000 | 5,084 |
| Average equity | $6,576,750 | 5,398 |
| Average total loans | $59,909,750 | 4,427 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 848 |
| Cost of funding earning assets | 0.5240% | 2,037 |
| Net interest margin | 4.3028% | 916 |
| Noninterest income to average assets | 1.1376% | 930 |
| Noninterest expense to average assets | 2.9029% | 2,882 |
| Loan and lease loss provision to assets | 0.0864% | 2,380 |
| Net operating income to assets | 2.1686% | 274 |
| Return on assets (ROA) | 2.1686% | 290 |
| Pretax return on assets | 2.1686% | 438 |
| Return on Equity (ROE) | 23.4640% | 147 |
| Retained earnings to average equity (ytd only) | 23.4640% | 57 |
| Net charge-offs to loans | -0.0034% | 4,659 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2814% | 5,404 |
| Assets per employee ($millions) | 3.0340% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7008% | 5,817 |
| Loan loss allowance to noncurrent loans | 75.6369% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.4246% | 1,756 |
| Noncurrent loans to loans | 0.9266% | 2,818 |
| Net loans and leases to total assets | 82.1568% | 537 |
| Net loans and leases to deposits | 89.9880% | 1,603 |
| Net loans and leases to core deposits | 101.1330% | 1,395 |
| Total domestic deposits to total assets | 91.2975% | 230 |
| Equity capital to assets | 8.3265% | 5,813 |
| Core capital (leverage) ratio | 9.6827% | 4,026 |
| Tier 1 risk-based capital ratio | 11.8498% | 5,244 |
| Total risk-based capital ratio | 12.6750% | 5,434 |
| Memoranda: | ||
| Average total assets | $69,447,000 | 5,229 |
| Average earning assets | $64,888,670 | 5,178 |
| Average equity | $6,418,330 | 5,469 |
| Average total loans | $58,144,330 | 4,506 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 2,280 |
| Cost of funding earning assets | 0.5523% | 1,821 |
| Net interest margin | 3.6954% | 2,632 |
| Noninterest income to average assets | 1.4681% | 555 |
| Noninterest expense to average assets | 2.9172% | 2,845 |
| Loan and lease loss provision to assets | 0.0949% | 2,097 |
| Net operating income to assets | 1.8857% | 415 |
| Return on assets (ROA) | 1.8857% | 439 |
| Pretax return on assets | 1.8857% | 736 |
| Return on Equity (ROE) | 19.1732% | 315 |
| Retained earnings to average equity (ytd only) | 19.1732% | 114 |
| Net charge-offs to loans | -0.0075% | 4,617 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5607% | 5,149 |
| Assets per employee ($millions) | 2.4742% | 6,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 5,630 |
| Loan loss allowance to noncurrent loans | 73.1320% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.8187% | 1,345 |
| Noncurrent loans to loans | 1.1273% | 2,519 |
| Net loans and leases to total assets | 86.0221% | 185 |
| Net loans and leases to deposits | 100.9873% | 512 |
| Net loans and leases to core deposits | 118.1906% | 451 |
| Total domestic deposits to total assets | 85.1811% | 3,316 |
| Equity capital to assets | 9.8958% | 4,277 |
| Core capital (leverage) ratio | 10.1969% | 3,346 |
| Tier 1 risk-based capital ratio | 12.8181% | 4,716 |
| Total risk-based capital ratio | 13.7444% | 4,824 |
| Memoranda: | ||
| Average total assets | $63,211,000 | 5,419 |
| Average earning assets | $58,667,500 | 5,397 |
| Average equity | $6,217,000 | 5,550 |
| Average total loans | $53,328,000 | 4,690 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6744% | 1,364 |
| Cost of funding earning assets | 0.6215% | 1,598 |
| Net interest margin | 4.0529% | 1,726 |
| Noninterest income to average assets | 2.2619% | 279 |
| Noninterest expense to average assets | 3.4364% | 1,627 |
| Loan and lease loss provision to assets | 0.4448% | 374 |
| Net operating income to assets | 2.1094% | 269 |
| Return on assets (ROA) | 2.1094% | 275 |
| Pretax return on assets | 2.1094% | 400 |
| Return on Equity (ROE) | 21.7164% | 184 |
| Retained earnings to average equity (ytd only) | 21.7164% | 54 |
| Net charge-offs to loans | 0.8183% | 426 |
| Credit loss provision to net charge-offs | 66.5761% | 3,152 |
| Earnings coverage of net charge-offs (x) | 3.8234% | 3,804 |
| Efficiency ratio | 57.3636% | 5,527 |
| Assets per employee ($millions) | 2.4837% | 6,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 5,553 |
| Loan loss allowance to noncurrent loans | 145.5738% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 1.3625% | 2,050 |
| Noncurrent loans to loans | 0.5997% | 3,871 |
| Net loans and leases to total assets | 81.1924% | 613 |
| Net loans and leases to deposits | 93.6698% | 1,111 |
| Net loans and leases to core deposits | 108.8197% | 837 |
| Total domestic deposits to total assets | 86.6794% | 2,468 |
| Equity capital to assets | 9.7726% | 4,392 |
| Core capital (leverage) ratio | 9.9663% | 3,623 |
| Tier 1 risk-based capital ratio | 12.5652% | 4,995 |
| Total risk-based capital ratio | 13.4846% | 5,114 |
| Memoranda: | ||
| Average total assets | $55,086,000 | 5,675 |
| Average earning assets | $50,680,200 | 5,652 |
| Average equity | $5,350,800 | 5,777 |
| Average total loans | $44,970,000 | 4,996 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 1,746 |
| Cost of funding earning assets | 0.6317% | 1,586 |
| Net interest margin | 3.9042% | 2,220 |
| Noninterest income to average assets | 2.1199% | 312 |
| Noninterest expense to average assets | 3.4573% | 1,555 |
| Loan and lease loss provision to assets | 0.5750% | 240 |
| Net operating income to assets | 1.6724% | 648 |
| Return on assets (ROA) | 1.6724% | 674 |
| Pretax return on assets | 1.6724% | 1,132 |
| Return on Equity (ROE) | 17.2480% | 524 |
| Retained earnings to average equity (ytd only) | 17.2480% | 134 |
| Net charge-offs to loans | 1.1280% | 251 |
| Credit loss provision to net charge-offs | 62.5000% | 2,896 |
| Earnings coverage of net charge-offs (x) | 2.4430% | 3,911 |
| Efficiency ratio | 60.6047% | 5,106 |
| Assets per employee ($millions) | 2.1646% | 6,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 5,836 |
| Loan loss allowance to noncurrent loans | 43.3333% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 2.6435% | 969 |
| Noncurrent loans to loans | 1.8808% | 1,701 |
| Net loans and leases to total assets | 89.3267% | 71 |
| Net loans and leases to deposits | 99.1473% | 660 |
| Net loans and leases to core deposits | 114.9099% | 556 |
| Total domestic deposits to total assets | 90.0950% | 691 |
| Equity capital to assets | 9.5389% | 4,744 |
| Core capital (leverage) ratio | 9.6849% | 4,101 |
| Tier 1 risk-based capital ratio | 11.7925% | 5,614 |
| Total risk-based capital ratio | 12.6999% | 5,751 |
| Memoranda: | ||
| Average total assets | $53,334,500 | 5,777 |
| Average earning assets | $48,971,500 | 5,768 |
| Average equity | $5,171,500 | 5,880 |
| Average total loans | $43,498,000 | 5,112 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 2,380 |
| Cost of funding earning assets | 0.6456% | 1,544 |
| Net interest margin | 3.7046% | 2,944 |
| Noninterest income to average assets | 1.5572% | 516 |
| Noninterest expense to average assets | 3.5638% | 1,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3945% | 1,079 |
| Return on assets (ROA) | 1.3945% | 1,125 |
| Pretax return on assets | 1.3945% | 1,910 |
| Return on Equity (ROE) | 14.2942% | 904 |
| Retained earnings to average equity (ytd only) | 14.2942% | 247 |
| Net charge-offs to loans | -0.0198% | 5,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8750% | 3,367 |
| Assets per employee ($millions) | 1.8782% | 6,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 3,844 |
| Loan loss allowance to noncurrent loans | 41.9236% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 3.7023% | 612 |
| Noncurrent loans to loans | 3.1028% | 918 |
| Net loans and leases to total assets | 82.3841% | 433 |
| Net loans and leases to deposits | 91.9032% | 1,162 |
| Net loans and leases to core deposits | 105.4701% | 928 |
| Total domestic deposits to total assets | 89.6423% | 995 |
| Equity capital to assets | 10.0135% | 4,089 |
| Core capital (leverage) ratio | 10.1427% | 3,422 |
| Tier 1 risk-based capital ratio | 12.0902% | 5,485 |
| Total risk-based capital ratio | 13.3346% | 5,418 |
| Memoranda: | ||
| Average total assets | $51,631,000 | 5,866 |
| Average earning assets | $47,400,670 | 5,853 |
| Average equity | $5,037,000 | 5,948 |
| Average total loans | $40,452,000 | 5,256 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 3,123 |
| Cost of funding earning assets | 0.6635% | 1,489 |
| Net interest margin | 3.4794% | 3,786 |
| Noninterest income to average assets | 0.5083% | 3,342 |
| Noninterest expense to average assets | 3.4485% | 1,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2581% | 5,637 |
| Return on assets (ROA) | 0.2581% | 5,678 |
| Pretax return on assets | 0.2581% | 5,811 |
| Return on Equity (ROE) | 2.6816% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.6816% | 4,472 |
| Net charge-offs to loans | -0.0413% | 5,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0380% | 814 |
| Assets per employee ($millions) | 1.7986% | 6,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 3,275 |
| Loan loss allowance to noncurrent loans | 41.9236% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 4.3386% | 516 |
| Noncurrent loans to loans | 3.5114% | 828 |
| Net loans and leases to total assets | 75.8846% | 1,013 |
| Net loans and leases to deposits | 84.6933% | 1,753 |
| Net loans and leases to core deposits | 97.8217% | 1,251 |
| Total domestic deposits to total assets | 89.5993% | 1,308 |
| Equity capital to assets | 9.8070% | 4,098 |
| Core capital (leverage) ratio | 9.6574% | 4,052 |
| Tier 1 risk-based capital ratio | 11.7397% | 5,793 |
| Total risk-based capital ratio | 12.9923% | 5,731 |
| Memoranda: | ||
| Average total assets | $51,152,000 | 5,934 |
| Average earning assets | $47,020,000 | 5,921 |
| Average equity | $4,922,500 | 6,015 |
| Average total loans | $38,730,000 | 5,366 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 2,266 |
| Cost of funding earning assets | 0.8237% | 1,077 |
| Net interest margin | 3.6624% | 3,210 |
| Noninterest income to average assets | 1.7663% | 477 |
| Noninterest expense to average assets | 4.8253% | 398 |
| Loan and lease loss provision to assets | 0.4504% | 640 |
| Net operating income to assets | -0.1111% | 6,312 |
| Return on assets (ROA) | -0.1111% | 6,329 |
| Pretax return on assets | -0.1111% | 6,295 |
| Return on Equity (ROE) | -1.1359% | 6,336 |
| Retained earnings to average equity (ytd only) | -1.1359% | 6,083 |
| Net charge-offs to loans | 1.3543% | 367 |
| Credit loss provision to net charge-offs | 46.6667% | 3,896 |
| Earnings coverage of net charge-offs (x) | 0.3515% | 4,966 |
| Efficiency ratio | 93.4315% | 778 |
| Assets per employee ($millions) | 2.7338% | 6,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 3,351 |
| Loan loss allowance to noncurrent loans | 83.7518% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.8878% | 1,110 |
| Noncurrent loans to loans | 1.7506% | 2,304 |
| Net loans and leases to total assets | 73.3607% | 1,461 |
| Net loans and leases to deposits | 81.5639% | 2,244 |
| Net loans and leases to core deposits | 92.8236% | 1,693 |
| Total domestic deposits to total assets | 89.9426% | 1,103 |
| Equity capital to assets | 9.4452% | 4,496 |
| Core capital (leverage) ratio | 9.3391% | 4,494 |
| Tier 1 risk-based capital ratio | 10.9639% | 6,187 |
| Total risk-based capital ratio | 12.2153% | 6,140 |
| Memoranda: | ||
| Average total assets | $51,292,400 | 5,984 |
| Average earning assets | $47,591,400 | 5,949 |
| Average equity | $5,018,200 | 6,062 |
| Average total loans | $36,550,400 | 5,473 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4930% | 2,260 |
| Cost of funding earning assets | 0.8363% | 1,114 |
| Net interest margin | 3.6567% | 3,208 |
| Noninterest income to average assets | 1.2595% | 925 |
| Noninterest expense to average assets | 4.1670% | 709 |
| Loan and lease loss provision to assets | 0.0522% | 3,985 |
| Net operating income to assets | 0.4381% | 5,079 |
| Return on assets (ROA) | 0.4381% | 5,228 |
| Pretax return on assets | 0.4381% | 5,533 |
| Return on Equity (ROE) | 4.4387% | 5,006 |
| Retained earnings to average equity (ytd only) | 4.4387% | 3,516 |
| Net charge-offs to loans | 1.8323% | 223 |
| Credit loss provision to net charge-offs | 4.0404% | 4,289 |
| Earnings coverage of net charge-offs (x) | 0.3798% | 4,739 |
| Efficiency ratio | 89.4737% | 1,041 |
| Assets per employee ($millions) | 4.0452% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 5,863 |
| Loan loss allowance to noncurrent loans | 95.6989% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 2.3580% | 1,663 |
| Noncurrent loans to loans | 1.0087% | 3,788 |
| Net loans and leases to total assets | 69.4493% | 2,057 |
| Net loans and leases to deposits | 77.4001% | 2,758 |
| Net loans and leases to core deposits | 87.9391% | 2,198 |
| Total domestic deposits to total assets | 89.7277% | 1,153 |
| Equity capital to assets | 9.7570% | 4,233 |
| Core capital (leverage) ratio | 9.7993% | 3,958 |
| Tier 1 risk-based capital ratio | 12.9886% | 5,134 |
| Total risk-based capital ratio | 13.8897% | 5,313 |
| Memoranda: | ||
| Average total assets | $51,130,000 | 6,057 |
| Average earning assets | $47,510,000 | 6,019 |
| Average equity | $5,046,250 | 6,125 |
| Average total loans | $36,020,000 | 5,547 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 2,686 |
| Cost of funding earning assets | 0.8518% | 1,131 |
| Net interest margin | 3.5174% | 3,708 |
| Noninterest income to average assets | 0.3199% | 5,146 |
| Noninterest expense to average assets | 3.2264% | 2,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3712% | 5,329 |
| Return on assets (ROA) | 0.3712% | 5,502 |
| Pretax return on assets | 0.3712% | 5,705 |
| Return on Equity (ROE) | 3.7465% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.7465% | 3,914 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6817% | 1,072 |
| Assets per employee ($millions) | 5.0132% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2868% | 1,278 |
| Loan loss allowance to noncurrent loans | 57.9094% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 4.0513% | 848 |
| Noncurrent loans to loans | 3.9489% | 992 |
| Net loans and leases to total assets | 70.8290% | 1,744 |
| Net loans and leases to deposits | 79.0402% | 2,452 |
| Net loans and leases to core deposits | 89.1601% | 1,988 |
| Total domestic deposits to total assets | 89.6114% | 1,261 |
| Equity capital to assets | 10.0874% | 3,807 |
| Core capital (leverage) ratio | 9.9494% | 3,588 |
| Tier 1 risk-based capital ratio | 13.1299% | 5,046 |
| Total risk-based capital ratio | 14.2750% | 5,066 |
| Memoranda: | ||
| Average total assets | $50,644,000 | 6,109 |
| Average earning assets | $47,194,330 | 6,066 |
| Average equity | $5,018,000 | 6,176 |
| Average total loans | $35,734,000 | 5,587 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 2,536 |
| Cost of funding earning assets | 0.8658% | 1,174 |
| Net interest margin | 3.5305% | 3,567 |
| Noninterest income to average assets | 0.5344% | 3,539 |
| Noninterest expense to average assets | 3.2849% | 2,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5501% | 4,454 |
| Return on assets (ROA) | 0.5501% | 4,609 |
| Pretax return on assets | 0.5501% | 5,114 |
| Return on Equity (ROE) | 5.6017% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.6017% | 2,899 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6557% | 1,557 |
| Assets per employee ($millions) | 5.0913% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4440% | 1,188 |
| Loan loss allowance to noncurrent loans | 57.7484% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 3.9970% | 995 |
| Noncurrent loans to loans | 4.2322% | 1,029 |
| Net loans and leases to total assets | 65.1504% | 2,522 |
| Net loans and leases to deposits | 72.5249% | 3,123 |
| Net loans and leases to core deposits | 82.7347% | 2,476 |
| Total domestic deposits to total assets | 89.8317% | 1,148 |
| Equity capital to assets | 9.8855% | 4,294 |
| Core capital (leverage) ratio | 9.8485% | 3,600 |
| Tier 1 risk-based capital ratio | 14.2517% | 4,324 |
| Total risk-based capital ratio | 15.5005% | 4,294 |
| Memoranda: | ||
| Average total assets | $50,900,000 | 6,160 |
| Average earning assets | $47,585,000 | 6,105 |
| Average equity | $4,998,500 | 6,244 |
| Average total loans | $35,431,500 | 5,646 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0014% | 1,557 |
| Cost of funding earning assets | 1.0003% | 1,361 |
| Net interest margin | 4.0011% | 2,382 |
| Noninterest income to average assets | 0.3779% | 4,769 |
| Noninterest expense to average assets | 3.3948% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6896% | 3,786 |
| Return on assets (ROA) | 0.6896% | 4,047 |
| Pretax return on assets | 0.6896% | 4,701 |
| Return on Equity (ROE) | 7.0709% | 3,599 |
| Retained earnings to average equity (ytd only) | 7.0709% | 1,531 |
| Net charge-offs to loans | 0.2806% | 3,260 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 3.4000% | 3,745 |
| Efficiency ratio | 83.1155% | 1,732 |
| Assets per employee ($millions) | 5.0887% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2544% | 1,452 |
| Loan loss allowance to noncurrent loans | 57.5884% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 4.0069% | 1,069 |
| Noncurrent loans to loans | 3.9146% | 1,224 |
| Net loans and leases to total assets | 70.8059% | 1,680 |
| Net loans and leases to deposits | 78.8166% | 2,420 |
| Net loans and leases to core deposits | 90.2761% | 1,802 |
| Total domestic deposits to total assets | 89.8363% | 1,047 |
| Equity capital to assets | 9.7549% | 4,523 |
| Core capital (leverage) ratio | 9.7306% | 3,759 |
| Tier 1 risk-based capital ratio | 13.6084% | 4,667 |
| Total risk-based capital ratio | 14.8972% | 4,589 |
| Memoranda: | ||
| Average total assets | $46,836,800 | 6,300 |
| Average earning assets | $43,387,800 | 6,255 |
| Average equity | $4,568,000 | 6,424 |
| Average total loans | $33,859,600 | 5,765 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0021% | 1,691 |
| Cost of funding earning assets | 1.0268% | 1,414 |
| Net interest margin | 3.9753% | 2,603 |
| Noninterest income to average assets | 0.1978% | 6,112 |
| Noninterest expense to average assets | 3.3809% | 2,057 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5005% | 4,843 |
| Return on assets (ROA) | 0.5005% | 5,108 |
| Pretax return on assets | 0.5005% | 5,467 |
| Return on Equity (ROE) | 5.1316% | 4,759 |
| Retained earnings to average equity (ytd only) | 5.1316% | 3,268 |
| Net charge-offs to loans | 0.3826% | 2,564 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.8106% | 4,357 |
| Efficiency ratio | 87.1064% | 1,291 |
| Assets per employee ($millions) | 4.9658% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3097% | 1,499 |
| Loan loss allowance to noncurrent loans | 77.6636% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 3.3872% | 1,489 |
| Noncurrent loans to loans | 2.9740% | 1,882 |
| Net loans and leases to total assets | 70.7801% | 1,763 |
| Net loans and leases to deposits | 78.7542% | 2,563 |
| Net loans and leases to core deposits | 89.2421% | 2,079 |
| Total domestic deposits to total assets | 89.8747% | 912 |
| Equity capital to assets | 9.6963% | 4,927 |
| Core capital (leverage) ratio | 10.1686% | 3,322 |
| Tier 1 risk-based capital ratio | 12.9324% | 5,305 |
| Total risk-based capital ratio | 14.1525% | 5,290 |
| Memoranda: | ||
| Average total assets | $45,824,250 | 6,405 |
| Average earning assets | $42,461,250 | 6,363 |
| Average equity | $4,469,000 | 6,519 |
| Average total loans | $33,109,000 | 5,868 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1459% | 1,389 |
| Cost of funding earning assets | 1.0658% | 1,377 |
| Net interest margin | 4.0801% | 2,165 |
| Noninterest income to average assets | 0.1706% | 6,327 |
| Noninterest expense to average assets | 3.4795% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4894% | 4,864 |
| Return on assets (ROA) | 0.4894% | 5,118 |
| Pretax return on assets | 0.4894% | 5,472 |
| Return on Equity (ROE) | 5.0073% | 4,806 |
| Retained earnings to average equity (ytd only) | 5.0073% | 3,277 |
| Net charge-offs to loans | 0.5847% | 1,858 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.1596% | 4,436 |
| Efficiency ratio | 87.6697% | 1,264 |
| Assets per employee ($millions) | 4.4371% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6078% | 1,140 |
| Loan loss allowance to noncurrent loans | 77.6636% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 3.7908% | 1,368 |
| Noncurrent loans to loans | 3.3578% | 1,730 |
| Net loans and leases to total assets | 69.9443% | 1,933 |
| Net loans and leases to deposits | 78.7630% | 2,553 |
| Net loans and leases to core deposits | 92.5644% | 1,723 |
| Total domestic deposits to total assets | 88.8035% | 1,635 |
| Equity capital to assets | 10.7142% | 3,436 |
| Core capital (leverage) ratio | 10.7812% | 2,502 |
| Tier 1 risk-based capital ratio | 13.9533% | 4,477 |
| Total risk-based capital ratio | 15.2461% | 4,413 |
| Memoranda: | ||
| Average total assets | $44,546,330 | 6,474 |
| Average earning assets | $41,469,670 | 6,431 |
| Average equity | $4,353,670 | 6,586 |
| Average total loans | $32,152,330 | 5,959 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1880% | 1,344 |
| Cost of funding earning assets | 1.1145% | 1,322 |
| Net interest margin | 4.0735% | 2,201 |
| Noninterest income to average assets | 0.1344% | 6,580 |
| Noninterest expense to average assets | 3.5130% | 1,736 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4212% | 5,158 |
| Return on assets (ROA) | 0.4212% | 5,350 |
| Pretax return on assets | 0.4212% | 5,664 |
| Return on Equity (ROE) | 4.5263% | 5,027 |
| Retained earnings to average equity (ytd only) | 4.5263% | 3,865 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2938% | 1,151 |
| Assets per employee ($millions) | 4.4157% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8354% | 974 |
| Loan loss allowance to noncurrent loans | 67.3455% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 3.9971% | 1,378 |
| Noncurrent loans to loans | 4.2102% | 1,436 |
| Net loans and leases to total assets | 71.8640% | 1,424 |
| Net loans and leases to deposits | 79.8234% | 2,226 |
| Net loans and leases to core deposits | 94.3283% | 1,441 |
| Total domestic deposits to total assets | 90.0288% | 1,070 |
| Equity capital to assets | 9.4345% | 4,894 |
| Core capital (leverage) ratio | 9.3892% | 4,209 |
| Tier 1 risk-based capital ratio | 12.1137% | 5,889 |
| Total risk-based capital ratio | 13.3638% | 5,864 |
| Memoranda: | ||
| Average total assets | $44,634,000 | 6,520 |
| Average earning assets | $41,634,500 | 6,465 |
| Average equity | $4,153,500 | 6,680 |
| Average total loans | $32,295,500 | 5,987 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 3,618 |
| Cost of funding earning assets | 1.2725% | 1,604 |
| Net interest margin | 3.5687% | 4,852 |
| Noninterest income to average assets | 0.1591% | 6,349 |
| Noninterest expense to average assets | 3.6709% | 1,595 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.1678% | 6,221 |
| Return on assets (ROA) | -0.1678% | 6,298 |
| Pretax return on assets | -0.1678% | 6,260 |
| Return on Equity (ROE) | -1.8169% | 6,322 |
| Retained earnings to average equity (ytd only) | -1.8169% | 6,136 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7915% | 543 |
| Assets per employee ($millions) | 4.5111% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8999% | 890 |
| Loan loss allowance to noncurrent loans | 67.2965% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 3.9148% | 1,466 |
| Noncurrent loans to loans | 4.3092% | 1,414 |
| Net loans and leases to total assets | 68.7327% | 2,265 |
| Net loans and leases to deposits | 76.2193% | 3,150 |
| Net loans and leases to core deposits | 87.6420% | 2,412 |
| Total domestic deposits to total assets | 90.1776% | 889 |
| Equity capital to assets | 9.1796% | 5,321 |
| Core capital (leverage) ratio | 9.0389% | 4,714 |
| Tier 1 risk-based capital ratio | 12.1579% | 5,719 |
| Total risk-based capital ratio | 13.4265% | 5,683 |
| Memoranda: | ||
| Average total assets | $45,874,400 | 6,482 |
| Average earning assets | $42,985,400 | 6,422 |
| Average equity | $4,238,000 | 6,685 |
| Average total loans | $32,888,800 | 6,020 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8216% | 3,935 |
| Cost of funding earning assets | 1.2976% | 1,722 |
| Net interest margin | 3.5239% | 5,087 |
| Noninterest income to average assets | 0.1621% | 6,437 |
| Noninterest expense to average assets | 3.1983% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2808% | 5,466 |
| Return on assets (ROA) | 0.2808% | 5,630 |
| Pretax return on assets | 0.2808% | 5,746 |
| Return on Equity (ROE) | 3.0343% | 5,398 |
| Retained earnings to average equity (ytd only) | 3.0343% | 4,520 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9301% | 1,036 |
| Assets per employee ($millions) | 4.6240% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8589% | 972 |
| Loan loss allowance to noncurrent loans | 67.2965% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 4.0030% | 1,531 |
| Noncurrent loans to loans | 4.2482% | 1,543 |
| Net loans and leases to total assets | 68.0450% | 2,485 |
| Net loans and leases to deposits | 75.4044% | 3,433 |
| Net loans and leases to core deposits | 84.5579% | 2,974 |
| Total domestic deposits to total assets | 90.2401% | 751 |
| Equity capital to assets | 9.3382% | 5,320 |
| Core capital (leverage) ratio | 9.4607% | 4,213 |
| Tier 1 risk-based capital ratio | 12.4841% | 5,496 |
| Total risk-based capital ratio | 13.7342% | 5,494 |
| Memoranda: | ||
| Average total assets | $46,065,250 | 6,535 |
| Average earning assets | $43,359,500 | 6,469 |
| Average equity | $4,262,250 | 6,720 |
| Average total loans | $33,128,000 | 6,064 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8974% | 3,634 |
| Cost of funding earning assets | 1.3390% | 1,706 |
| Net interest margin | 3.5584% | 4,891 |
| Noninterest income to average assets | 0.1261% | 6,697 |
| Noninterest expense to average assets | 3.1647% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3000% | 5,374 |
| Return on assets (ROA) | 0.3000% | 5,512 |
| Pretax return on assets | 0.3000% | 5,669 |
| Return on Equity (ROE) | 3.2519% | 5,280 |
| Retained earnings to average equity (ytd only) | 3.2519% | 4,197 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3425% | 1,142 |
| Assets per employee ($millions) | 4.6142% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8886% | 998 |
| Loan loss allowance to noncurrent loans | 176.0456% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 2.1694% | 3,028 |
| Noncurrent loans to loans | 1.6408% | 3,947 |
| Net loans and leases to total assets | 67.4678% | 2,716 |
| Net loans and leases to deposits | 74.6977% | 3,692 |
| Net loans and leases to core deposits | 84.9043% | 3,086 |
| Total domestic deposits to total assets | 90.3212% | 800 |
| Equity capital to assets | 9.2996% | 5,133 |
| Core capital (leverage) ratio | 9.4109% | 4,088 |
| Tier 1 risk-based capital ratio | 12.5004% | 5,347 |
| Total risk-based capital ratio | 13.7662% | 5,305 |
| Memoranda: | ||
| Average total assets | $46,007,000 | 6,596 |
| Average earning assets | $43,165,330 | 6,539 |
| Average equity | $4,243,670 | 6,765 |
| Average total loans | $33,374,000 | 6,114 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9242% | 3,456 |
| Cost of funding earning assets | 1.3989% | 1,615 |
| Net interest margin | 3.5253% | 4,897 |
| Noninterest income to average assets | 0.1132% | 6,846 |
| Noninterest expense to average assets | 3.1259% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2786% | 5,506 |
| Return on assets (ROA) | 0.2786% | 5,566 |
| Pretax return on assets | 0.2786% | 5,714 |
| Return on Equity (ROE) | 3.0332% | 5,347 |
| Retained earnings to average equity (ytd only) | 3.0332% | 4,340 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8159% | 1,178 |
| Assets per employee ($millions) | 5.0680% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6771% | 1,230 |
| Loan loss allowance to noncurrent loans | 52.0810% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 4.9395% | 1,275 |
| Noncurrent loans to loans | 5.1402% | 1,304 |
| Net loans and leases to total assets | 73.8051% | 1,377 |
| Net loans and leases to deposits | 81.6235% | 2,423 |
| Net loans and leases to core deposits | 92.7332% | 2,046 |
| Total domestic deposits to total assets | 90.4214% | 884 |
| Equity capital to assets | 9.2870% | 4,750 |
| Core capital (leverage) ratio | 9.3440% | 4,061 |
| Tier 1 risk-based capital ratio | 11.8492% | 5,820 |
| Total risk-based capital ratio | 13.1404% | 5,783 |
| Memoranda: | ||
| Average total assets | $45,939,500 | 6,641 |
| Average earning assets | $42,890,000 | 6,593 |
| Average equity | $4,220,000 | 6,802 |
| Average total loans | $34,032,500 | 6,121 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9046% | 5,012 |
| Cost of funding earning assets | 1.9959% | 616 |
| Net interest margin | 2.9086% | 6,879 |
| Noninterest income to average assets | 0.0468% | 7,123 |
| Noninterest expense to average assets | 4.2736% | 837 |
| Loan and lease loss provision to assets | 0.1782% | 5,437 |
| Net operating income to assets | -1.7081% | 6,973 |
| Return on assets (ROA) | -1.7081% | 6,995 |
| Pretax return on assets | -1.7081% | 6,929 |
| Return on Equity (ROE) | -17.4128% | 6,985 |
| Retained earnings to average equity (ytd only) | -17.4128% | 6,952 |
| Net charge-offs to loans | 0.0159% | 6,663 |
| Credit loss provision to net charge-offs | 1,600.0000% | 143 |
| Earnings coverage of net charge-offs (x) | -137.4000% | 6,843 |
| Efficiency ratio | 155.7630% | 182 |
| Assets per employee ($millions) | 5.1408% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7662% | 1,096 |
| Loan loss allowance to noncurrent loans | 51.2452% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 4.9322% | 1,300 |
| Noncurrent loans to loans | 5.3981% | 1,221 |
| Net loans and leases to total assets | 70.3504% | 2,451 |
| Net loans and leases to deposits | 77.6677% | 3,563 |
| Net loans and leases to core deposits | 90.7112% | 2,661 |
| Total domestic deposits to total assets | 90.5786% | 802 |
| Equity capital to assets | 9.0864% | 5,011 |
| Core capital (leverage) ratio | 8.9442% | 4,628 |
| Tier 1 risk-based capital ratio | 11.5848% | 5,835 |
| Total risk-based capital ratio | 12.8760% | 5,800 |
| Memoranda: | ||
| Average total assets | $44,903,200 | 6,700 |
| Average earning assets | $41,634,600 | 6,655 |
| Average equity | $4,404,800 | 6,853 |
| Average total loans | $31,414,800 | 6,341 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8480% | 5,475 |
| Cost of funding earning assets | 2.0782% | 581 |
| Net interest margin | 2.7698% | 7,162 |
| Noninterest income to average assets | 0.0479% | 7,285 |
| Noninterest expense to average assets | 4.0601% | 973 |
| Loan and lease loss provision to assets | 0.2394% | 4,687 |
| Net operating income to assets | -1.6755% | 7,153 |
| Return on assets (ROA) | -1.6755% | 7,165 |
| Pretax return on assets | -1.6755% | 7,095 |
| Return on Equity (ROE) | -16.7598% | 7,148 |
| Retained earnings to average equity (ytd only) | -16.7598% | 7,126 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.7320% | 186 |
| Assets per employee ($millions) | 5.3806% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8683% | 936 |
| Loan loss allowance to noncurrent loans | 50.3515% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 4.9541% | 1,306 |
| Noncurrent loans to loans | 5.6966% | 1,145 |
| Net loans and leases to total assets | 65.1048% | 3,888 |
| Net loans and leases to deposits | 71.9105% | 4,853 |
| Net loans and leases to core deposits | 89.8205% | 3,124 |
| Total domestic deposits to total assets | 90.5359% | 626 |
| Equity capital to assets | 9.2142% | 5,293 |
| Core capital (leverage) ratio | 9.3446% | 4,139 |
| Tier 1 risk-based capital ratio | 13.0568% | 4,532 |
| Total risk-based capital ratio | 14.3262% | 4,495 |
| Memoranda: | ||
| Average total assets | $44,562,250 | 6,791 |
| Average earning assets | $41,445,250 | 6,742 |
| Average equity | $4,455,000 | 6,926 |
| Average total loans | $30,899,750 | 6,440 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 5,067 |
| Cost of funding earning assets | 2.1482% | 554 |
| Net interest margin | 2.8244% | 7,116 |
| Noninterest income to average assets | 0.0416% | 7,373 |
| Noninterest expense to average assets | 3.2213% | 2,830 |
| Loan and lease loss provision to assets | 0.2773% | 4,179 |
| Net operating income to assets | -0.8319% | 6,876 |
| Return on assets (ROA) | -0.8319% | 6,887 |
| Pretax return on assets | -0.8319% | 6,800 |
| Return on Equity (ROE) | -8.0850% | 6,896 |
| Retained earnings to average equity (ytd only) | -8.0850% | 6,821 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.7972% | 407 |
| Assets per employee ($millions) | 5.1696% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0333% | 800 |
| Loan loss allowance to noncurrent loans | 48.7949% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 5.8397% | 1,024 |
| Noncurrent loans to loans | 6.2165% | 1,004 |
| Net loans and leases to total assets | 62.5930% | 4,559 |
| Net loans and leases to deposits | 69.3877% | 5,368 |
| Net loans and leases to core deposits | 80.9754% | 4,557 |
| Total domestic deposits to total assets | 90.2076% | 814 |
| Equity capital to assets | 9.5001% | 4,703 |
| Core capital (leverage) ratio | 10.1642% | 2,978 |
| Tier 1 risk-based capital ratio | 13.8591% | 3,833 |
| Total risk-based capital ratio | 15.1465% | 3,766 |
| Memoranda: | ||
| Average total assets | $43,274,670 | 6,887 |
| Average earning assets | $40,220,330 | 6,836 |
| Average equity | $4,452,670 | 6,953 |
| Average total loans | $30,380,330 | 6,508 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4303% | 2,898 |
| Cost of funding earning assets | 2.3006% | 436 |
| Net interest margin | 3.1297% | 6,517 |
| Noninterest income to average assets | 0.0384% | 7,520 |
| Noninterest expense to average assets | 3.3422% | 2,388 |
| Loan and lease loss provision to assets | 0.2881% | 3,716 |
| Net operating income to assets | -0.6915% | 6,953 |
| Return on assets (ROA) | -0.6915% | 6,978 |
| Pretax return on assets | -0.6915% | 6,895 |
| Return on Equity (ROE) | -6.4444% | 6,957 |
| Retained earnings to average equity (ytd only) | -6.4444% | 6,690 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.7255% | 535 |
| Assets per employee ($millions) | 4.5861% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8365% | 946 |
| Loan loss allowance to noncurrent loans | 46.5153% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 6.6481% | 842 |
| Noncurrent loans to loans | 6.0981% | 1,066 |
| Net loans and leases to total assets | 73.1145% | 2,174 |
| Net loans and leases to deposits | 82.3433% | 3,228 |
| Net loans and leases to core deposits | 96.8237% | 2,486 |
| Total domestic deposits to total assets | 88.7922% | 1,624 |
| Equity capital to assets | 10.9509% | 2,806 |
| Core capital (leverage) ratio | 10.9121% | 2,288 |
| Tier 1 risk-based capital ratio | 13.7316% | 3,842 |
| Total risk-based capital ratio | 15.0043% | 3,785 |
| Memoranda: | ||
| Average total assets | $41,649,000 | 7,033 |
| Average earning assets | $38,598,500 | 6,993 |
| Average equity | $4,469,000 | 7,013 |
| Average total loans | $30,554,000 | 6,581 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6908% | 7,152 |
| Cost of funding earning assets | 2.9463% | 267 |
| Net interest margin | 1.7445% | 7,820 |
| Noninterest income to average assets | 0.0795% | 7,355 |
| Noninterest expense to average assets | 3.4768% | 2,435 |
| Loan and lease loss provision to assets | 6.7149% | 75 |
| Net operating income to assets | -8.4275% | 7,944 |
| Return on assets (ROA) | -8.4369% | 7,941 |
| Pretax return on assets | -8.4369% | 7,930 |
| Return on Equity (ROE) | -58.8792% | 7,747 |
| Retained earnings to average equity (ytd only) | -58.8792% | 7,742 |
| Net charge-offs to loans | 8.6721% | 60 |
| Credit loss provision to net charge-offs | 129.9230% | 3,935 |
| Earnings coverage of net charge-offs (x) | -0.3314% | 6,570 |
| Efficiency ratio | 197.0822% | 148 |
| Assets per employee ($millions) | 5.2529% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8287% | 906 |
| Loan loss allowance to noncurrent loans | 78.2689% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 4.6070% | 1,392 |
| Noncurrent loans to loans | 3.6141% | 2,085 |
| Net loans and leases to total assets | 69.4834% | 3,368 |
| Net loans and leases to deposits | 77.8931% | 4,397 |
| Net loans and leases to core deposits | 181.4166% | 155 |
| Total domestic deposits to total assets | 89.2035% | 1,386 |
| Equity capital to assets | 10.5133% | 3,166 |
| Core capital (leverage) ratio | 10.2774% | 2,802 |
| Tier 1 risk-based capital ratio | 14.3370% | 3,296 |
| Total risk-based capital ratio | 15.5853% | 3,246 |
| Memoranda: | ||
| Average total assets | $42,740,800 | 7,001 |
| Average earning assets | $41,272,400 | 6,896 |
| Average equity | $6,124,400 | 6,563 |
| Average total loans | $25,472,400 | 6,883 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6428% | 7,359 |
| Cost of funding earning assets | 3.0111% | 322 |
| Net interest margin | 1.6317% | 7,920 |
| Noninterest income to average assets | 0.1025% | 7,391 |
| Noninterest expense to average assets | 2.8176% | 4,819 |
| Loan and lease loss provision to assets | 0.2796% | 4,738 |
| Net operating income to assets | -1.4072% | 7,068 |
| Return on assets (ROA) | -1.4197% | 7,063 |
| Pretax return on assets | -1.4197% | 6,923 |
| Return on Equity (ROE) | -9.3012% | 6,838 |
| Retained earnings to average equity (ytd only) | -9.3012% | 6,739 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.7279% | 252 |
| Assets per employee ($millions) | 5.5574% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9085% | 6,726 |
| Loan loss allowance to noncurrent loans | 51.2821% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 3.7023% | 1,757 |
| Noncurrent loans to loans | 1.7716% | 3,959 |
| Net loans and leases to total assets | 68.6925% | 3,799 |
| Net loans and leases to deposits | 80.5167% | 4,296 |
| Net loans and leases to core deposits | 207.0930% | 87 |
| Total domestic deposits to total assets | 85.3146% | 3,067 |
| Equity capital to assets | 14.3211% | 1,198 |
| Core capital (leverage) ratio | 15.0273% | 852 |
| Tier 1 risk-based capital ratio | 18.7053% | 1,815 |
| Total risk-based capital ratio | 19.5059% | 1,864 |
| Memoranda: | ||
| Average total assets | $42,920,250 | 7,047 |
| Average earning assets | $41,755,250 | 6,923 |
| Average equity | $6,551,000 | 6,465 |
| Average total loans | $24,328,250 | 7,014 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 7,730 |
| Cost of funding earning assets | 3.0993% | 351 |
| Net interest margin | 1.2782% | 8,064 |
| Noninterest income to average assets | 0.1509% | 7,190 |
| Noninterest expense to average assets | 2.8108% | 4,919 |
| Loan and lease loss provision to assets | 0.2830% | 4,310 |
| Net operating income to assets | -1.6884% | 7,321 |
| Return on assets (ROA) | -1.6884% | 7,316 |
| Pretax return on assets | -1.6884% | 7,167 |
| Return on Equity (ROE) | -10.8283% | 7,099 |
| Retained earnings to average equity (ytd only) | -10.8283% | 6,960 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 200.0000% | 201 |
| Assets per employee ($millions) | 5.3906% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 6,314 |
| Loan loss allowance to noncurrent loans | 22.1828% | 7,008 |
| Noncurrent assets plus other real estate owned to assets | 2.6133% | 2,462 |
| Noncurrent loans to loans | 4.4713% | 1,442 |
| Net loans and leases to total assets | 57.8667% | 5,979 |
| Net loans and leases to deposits | 67.8918% | 6,205 |
| Net loans and leases to core deposits | 159.3449% | 463 |
| Total domestic deposits to total assets | 85.2336% | 3,144 |
| Equity capital to assets | 14.4186% | 1,188 |
| Core capital (leverage) ratio | 15.1286% | 891 |
| Tier 1 risk-based capital ratio | 21.6799% | 1,302 |
| Total risk-based capital ratio | 22.4961% | 1,325 |
| Memoranda: | ||
| Average total assets | $42,407,330 | 7,117 |
| Average earning assets | $41,622,000 | 6,989 |
| Average equity | $6,612,330 | 6,496 |
| Average total loans | $22,164,330 | 7,200 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 7,831 |
| Cost of funding earning assets | 3.1949% | 352 |
| Net interest margin | 1.1424% | 8,142 |
| Noninterest income to average assets | 0.0856% | 7,628 |
| Noninterest expense to average assets | 2.8729% | 4,254 |
| Loan and lease loss provision to assets | 0.2854% | 3,677 |
| Net operating income to assets | -1.9501% | 7,644 |
| Return on assets (ROA) | -1.9501% | 7,645 |
| Pretax return on assets | -1.9501% | 7,520 |
| Return on Equity (ROE) | -12.0420% | 7,476 |
| Retained earnings to average equity (ytd only) | -12.0420% | 7,267 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 237.7953% | 138 |
| Assets per employee ($millions) | 5.5345% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 5,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.1458% | 7,325 |
| Net loans and leases to deposits | 52.2229% | 7,391 |
| Net loans and leases to core deposits | 125.6735% | 1,943 |
| Total domestic deposits to total assets | 84.5334% | 3,446 |
| Equity capital to assets | 15.0985% | 1,078 |
| Core capital (leverage) ratio | 15.7026% | 828 |
| Tier 1 risk-based capital ratio | 23.4861% | 1,141 |
| Total risk-based capital ratio | 24.2465% | 1,165 |
| Memoranda: | ||
| Average total assets | $42,048,500 | 7,164 |
| Average earning assets | $41,315,500 | 7,047 |
| Average equity | $6,809,500 | 6,477 |
| Average total loans | $20,644,000 | 7,323 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0422% | 7,813 |
| Cost of funding earning assets | 2.8841% | 2,332 |
| Net interest margin | 2.1582% | 7,981 |
| Noninterest income to average assets | 0.0634% | 7,832 |
| Noninterest expense to average assets | 3.5729% | 2,215 |
| Loan and lease loss provision to assets | 0.3804% | 3,415 |
| Net operating income to assets | -1.7880% | 7,554 |
| Return on assets (ROA) | -1.7880% | 7,508 |
| Pretax return on assets | -1.7880% | 7,371 |
| Return on Equity (ROE) | -7.7705% | 7,112 |
| Retained earnings to average equity (ytd only) | -7.7705% | 6,865 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.0073% | 297 |
| Assets per employee ($millions) | 4.9776% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8828% | 6,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 53.5697% | 6,696 |
| Net loans and leases to deposits | 65.1200% | 6,704 |
| Net loans and leases to core deposits | 151.0979% | 816 |
| Total domestic deposits to total assets | 82.2631% | 4,097 |
| Equity capital to assets | 17.4129% | 726 |
| Core capital (leverage) ratio | 19.1184% | 502 |
| Tier 1 risk-based capital ratio | 24.8438% | 996 |
| Total risk-based capital ratio | 25.5182% | 1,035 |
| Memoranda: | ||
| Average total assets | $31,543,000 | 7,584 |
| Average earning assets | $30,720,600 | 7,476 |
| Average equity | $7,258,200 | 6,364 |
| Average total loans | $14,478,400 | 7,678 |