Home > NEW FRONTIER BANK > Performance and Condition Ratios
NEW FRONTIER 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 | 5.1863% | 1,696 |
| Cost of funding earning assets | 1.5406% | 1,840 |
| Net interest margin | 3.6457% | 1,872 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.4865% | 2,335 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0261% | 2,129 |
| Return on assets (ROA) | 1.0261% | 2,113 |
| Pretax return on assets | 1.0261% | 2,598 |
| Return on Equity (ROE) | 11.5500% | 2,076 |
| Retained earnings to average equity (ytd only) | 8.5247% | 1,388 |
| Net charge-offs to loans | 0.0213% | 1,914 |
| Credit loss provision to net charge-offs | 68.1818% | 2,102 |
| Earnings coverage of net charge-offs (x) | 68.3636% | 1,106 |
| Efficiency ratio | 69.0255% | 2,007 |
| Assets per employee ($millions) | 6.3835% | 2,491 |
| Cash dividends to net income (ytd only)* | 26.1759% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 2,736 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.7500% | 1,837 |
| Net loans and leases to deposits | 77.0290% | 2,351 |
| Net loans and leases to core deposits | 87.3214% | 2,227 |
| Total domestic deposits to total assets | 90.5500% | 616 |
| Equity capital to assets | 9.2044% | 2,541 |
| Core capital (leverage) ratio | 9.8998% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7382% | 2,326 |
| Memoranda: | ||
| Average total assets | $142,969,800 | 3,433 |
| Average earning assets | $131,441,800 | 3,436 |
| Average equity | $12,704,200 | 3,463 |
| Average total loans | $103,264,600 | 3,140 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0939% | 1,643 |
| Cost of funding earning assets | 1.4371% | 1,772 |
| Net interest margin | 3.6569% | 1,869 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.4637% | 2,337 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.0732% | 2,138 |
| Return on assets (ROA) | 1.0732% | 2,127 |
| Pretax return on assets | 1.0732% | 2,647 |
| Return on Equity (ROE) | 12.1900% | 2,075 |
| Retained earnings to average equity (ytd only) | 9.1185% | 1,651 |
| Net charge-offs to loans | 0.0284% | 1,507 |
| Credit loss provision to net charge-offs | 86.3636% | 1,722 |
| Earnings coverage of net charge-offs (x) | 53.6364% | 1,270 |
| Efficiency ratio | 67.7445% | 2,041 |
| Assets per employee ($millions) | 6.3045% | 2,493 |
| Cash dividends to net income (ytd only)* | 25.1969% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 2,794 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 71.2400% | 1,663 |
| Net loans and leases to deposits | 78.4599% | 2,208 |
| Net loans and leases to core deposits | 88.7405% | 2,009 |
| Total domestic deposits to total assets | 90.7900% | 720 |
| Equity capital to assets | 8.7632% | 2,560 |
| Core capital (leverage) ratio | 9.6885% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3895% | 2,482 |
| Memoranda: | ||
| Average total assets | $142,007,000 | 3,449 |
| Average earning assets | $130,819,500 | 3,446 |
| Average equity | $12,501,750 | 3,475 |
| Average total loans | $103,189,250 | 3,139 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 19,075.0000% | 22 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 31,721.0000% | 25 |
| Cost of funding earning assets | 27.0000% | 20 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.0354% | 2,296 |
| Pretax return on assets | 1.0354% | 2,814 |
| Return on Equity (ROE) | 11.7400% | 2,236 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.0000% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 0.0000% | 4,635 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,394,000 | 4,637 |
| Average earning assets | $0 | 4,645 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 1,796 |
| Cost of funding earning assets | 1.0980% | 1,755 |
| Net interest margin | 3.6237% | 2,074 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.3974% | 2,542 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.1117% | 2,188 |
| Return on assets (ROA) | 1.1117% | 2,152 |
| Pretax return on assets | 1.1117% | 2,673 |
| Return on Equity (ROE) | 12.6800% | 2,057 |
| Retained earnings to average equity (ytd only) | 9.5606% | 1,806 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.6129% | 2,138 |
| Assets per employee ($millions) | 6.5705% | 2,288 |
| Cash dividends to net income (ytd only)* | 24.6154% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 2,900 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 71.0900% | 1,511 |
| Net loans and leases to deposits | 78.0744% | 1,967 |
| Net loans and leases to core deposits | 87.9519% | 1,747 |
| Total domestic deposits to total assets | 91.0500% | 784 |
| Equity capital to assets | 8.7008% | 2,738 |
| Core capital (leverage) ratio | 9.6863% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5060% | 2,850 |
| Memoranda: | ||
| Average total assets | $140,321,000 | 3,519 |
| Average earning assets | $128,599,500 | 3,522 |
| Average equity | $12,300,500 | 3,547 |
| Average total loans | $102,289,500 | 3,185 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 1,586 |
| Cost of funding earning assets | 0.4224% | 1,920 |
| Net interest margin | 3.6294% | 1,557 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.2898% | 2,773 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4646% | 972 |
| Return on assets (ROA) | 1.4646% | 933 |
| Pretax return on assets | 1.4646% | 1,560 |
| Return on Equity (ROE) | 16.1900% | 1,019 |
| Retained earnings to average equity (ytd only) | 9.1937% | 1,421 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.7820% | 3,088 |
| Assets per employee ($millions) | 6.1860% | 2,610 |
| Cash dividends to net income (ytd only)* | 43.2136% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 2,596 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 73.1000% | 1,301 |
| Net loans and leases to deposits | 80.3045% | 1,750 |
| Net loans and leases to core deposits | 87.2695% | 1,664 |
| Total domestic deposits to total assets | 91.0300% | 946 |
| Equity capital to assets | 8.8352% | 2,465 |
| Core capital (leverage) ratio | 9.3591% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4283% | 2,882 |
| Memoranda: | ||
| Average total assets | $136,825,000 | 3,564 |
| Average earning assets | $125,226,200 | 3,568 |
| Average equity | $12,378,000 | 3,634 |
| Average total loans | $92,579,200 | 3,254 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 1,751 |
| Cost of funding earning assets | 0.3506% | 1,696 |
| Net interest margin | 3.4536% | 1,796 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.2402% | 2,818 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4412% | 977 |
| Return on assets (ROA) | 1.4412% | 955 |
| Pretax return on assets | 1.4412% | 1,594 |
| Return on Equity (ROE) | 15.8400% | 1,008 |
| Retained earnings to average equity (ytd only) | 13.5399% | 533 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.6352% | 3,159 |
| Assets per employee ($millions) | 6.5797% | 2,254 |
| Cash dividends to net income (ytd only)* | 14.5172% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 2,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 69.2300% | 1,544 |
| Net loans and leases to deposits | 76.1869% | 1,861 |
| Net loans and leases to core deposits | 79.7896% | 1,915 |
| Total domestic deposits to total assets | 90.8700% | 1,292 |
| Equity capital to assets | 8.7448% | 2,381 |
| Core capital (leverage) ratio | 9.6550% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8914% | 2,847 |
| Memoranda: | ||
| Average total assets | $137,008,250 | 3,583 |
| Average earning assets | $125,506,750 | 3,596 |
| Average equity | $12,466,500 | 3,658 |
| Average total loans | $90,562,000 | 3,289 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6002% | 1,847 |
| Cost of funding earning assets | 0.3250% | 1,481 |
| Net interest margin | 3.2752% | 1,979 |
| Noninterest income to average assets | 0.1947% | 4,025 |
| Noninterest expense to average assets | 2.2003% | 2,857 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9896% | 2,196 |
| Return on assets (ROA) | 0.9896% | 2,166 |
| Pretax return on assets | 0.9896% | 2,772 |
| Return on Equity (ROE) | 10.7350% | 2,075 |
| Retained earnings to average equity (ytd only) | 8.5118% | 1,435 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5539% | 2,303 |
| Assets per employee ($millions) | 6.5053% | 2,312 |
| Cash dividends to net income (ytd only)* | 20.7101% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 65.3952% | 1,768 |
| Net loans and leases to deposits | 71.9051% | 2,037 |
| Net loans and leases to core deposits | 74.0072% | 2,174 |
| Total domestic deposits to total assets | 90.9466% | 1,263 |
| Equity capital to assets | 8.7621% | 2,563 |
| Core capital (leverage) ratio | 9.2376% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7751% | 2,868 |
| Memoranda: | ||
| Average total assets | $136,619,667 | 3,631 |
| Average earning assets | $124,937,667 | 3,650 |
| Average equity | $12,594,333 | 3,723 |
| Average total loans | $88,475,667 | 3,347 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4898% | 1,845 |
| Cost of funding earning assets | 0.3336% | 1,332 |
| Net interest margin | 3.1562% | 2,005 |
| Noninterest income to average assets | 0.1874% | 4,033 |
| Noninterest expense to average assets | 2.1607% | 2,945 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9076% | 2,249 |
| Return on assets (ROA) | 0.9076% | 2,246 |
| Pretax return on assets | 0.9076% | 2,750 |
| Return on Equity (ROE) | 9.6076% | 2,119 |
| Retained earnings to average equity (ytd only) | 7.5931% | 1,704 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9885% | 2,372 |
| Assets per employee ($millions) | 6.9115% | 2,053 |
| Cash dividends to net income (ytd only)* | 20.9677% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 2,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 62.7505% | 1,770 |
| Net loans and leases to deposits | 69.1304% | 2,042 |
| Net loans and leases to core deposits | 71.1240% | 2,191 |
| Total domestic deposits to total assets | 90.7712% | 1,151 |
| Equity capital to assets | 9.0292% | 2,686 |
| Core capital (leverage) ratio | 9.2681% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8538% | 2,923 |
| Memoranda: | ||
| Average total assets | $136,624,000 | 3,650 |
| Average earning assets | $124,708,000 | 3,667 |
| Average equity | $12,906,500 | 3,765 |
| Average total loans | $87,462,000 | 3,365 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 1,328 |
| Cost of funding earning assets | 0.4312% | 1,320 |
| Net interest margin | 3.5818% | 1,517 |
| Noninterest income to average assets | 0.7823% | 1,501 |
| Noninterest expense to average assets | 2.4338% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6238% | 752 |
| Return on assets (ROA) | 1.6254% | 789 |
| Pretax return on assets | 1.6254% | 1,352 |
| Return on Equity (ROE) | 16.4887% | 680 |
| Retained earnings to average equity (ytd only) | 14.5649% | 261 |
| Net charge-offs to loans | -0.1182% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7731% | 3,319 |
| Assets per employee ($millions) | 6.4294% | 2,387 |
| Cash dividends to net income (ytd only)* | 11.6675% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 2,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 63.5856% | 1,754 |
| Net loans and leases to deposits | 70.6583% | 2,055 |
| Net loans and leases to core deposits | 72.7110% | 2,189 |
| Total domestic deposits to total assets | 89.9902% | 966 |
| Equity capital to assets | 9.8742% | 2,778 |
| Core capital (leverage) ratio | 9.2674% | 3,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1327% | 2,858 |
| Memoranda: | ||
| Average total assets | $126,551,800 | 3,732 |
| Average earning assets | $115,723,200 | 3,743 |
| Average equity | $12,475,200 | 3,885 |
| Average total loans | $83,763,600 | 3,417 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 1,235 |
| Cost of funding earning assets | 0.4439% | 1,395 |
| Net interest margin | 3.6881% | 1,362 |
| Noninterest income to average assets | 0.9836% | 1,100 |
| Noninterest expense to average assets | 2.4698% | 2,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8965% | 563 |
| Return on assets (ROA) | 1.8987% | 583 |
| Pretax return on assets | 1.8987% | 949 |
| Return on Equity (ROE) | 19.2693% | 486 |
| Retained earnings to average equity (ytd only) | 17.3119% | 223 |
| Net charge-offs to loans | -0.1318% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4356% | 3,600 |
| Assets per employee ($millions) | 6.2147% | 2,485 |
| Cash dividends to net income (ytd only)* | 10.1580% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 2,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 65.9117% | 1,562 |
| Net loans and leases to deposits | 73.6517% | 1,895 |
| Net loans and leases to core deposits | 76.0438% | 2,043 |
| Total domestic deposits to total assets | 89.4911% | 1,017 |
| Equity capital to assets | 10.1335% | 2,778 |
| Core capital (leverage) ratio | 9.3219% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1478% | 2,936 |
| Memoranda: | ||
| Average total assets | $124,435,250 | 3,792 |
| Average earning assets | $114,130,500 | 3,802 |
| Average equity | $12,261,000 | 3,958 |
| Average total loans | $82,950,000 | 3,476 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0901% | 1,362 |
| Cost of funding earning assets | 0.4638% | 1,425 |
| Net interest margin | 3.6262% | 1,530 |
| Noninterest income to average assets | 1.0653% | 969 |
| Noninterest expense to average assets | 2.4573% | 2,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9165% | 567 |
| Return on assets (ROA) | 1.9165% | 596 |
| Pretax return on assets | 1.9165% | 983 |
| Return on Equity (ROE) | 19.6488% | 486 |
| Retained earnings to average equity (ytd only) | 17.6387% | 238 |
| Net charge-offs to loans | -0.0441% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0243% | 3,672 |
| Assets per employee ($millions) | 5.9811% | 2,633 |
| Cash dividends to net income (ytd only)* | 10.2302% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,613 |
| Loan loss allowance to noncurrent loans | 1,142.1053% | 672 |
| Noncurrent assets plus other real estate owned to assets | 1.4108% | 429 |
| Noncurrent loans to loans | 0.1107% | 3,639 |
| Net loans and leases to total assets | 67.4880% | 1,518 |
| Net loans and leases to deposits | 75.3538% | 1,885 |
| Net loans and leases to core deposits | 77.5431% | 2,090 |
| Total domestic deposits to total assets | 89.5616% | 996 |
| Equity capital to assets | 10.1279% | 2,745 |
| Core capital (leverage) ratio | 9.0810% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1202% | 2,939 |
| Memoranda: | ||
| Average total assets | $122,411,000 | 3,827 |
| Average earning assets | $111,685,667 | 3,841 |
| Average equity | $11,939,667 | 3,996 |
| Average total loans | $81,543,667 | 3,522 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 1,043 |
| Cost of funding earning assets | 0.4997% | 1,396 |
| Net interest margin | 3.7982% | 1,147 |
| Noninterest income to average assets | 0.2251% | 4,035 |
| Noninterest expense to average assets | 2.4401% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2581% | 1,949 |
| Return on assets (ROA) | 1.2581% | 2,026 |
| Pretax return on assets | 1.2581% | 2,680 |
| Return on Equity (ROE) | 13.1613% | 1,625 |
| Retained earnings to average equity (ytd only) | 11.0832% | 1,380 |
| Net charge-offs to loans | -0.0353% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6374% | 2,391 |
| Assets per employee ($millions) | 5.9167% | 2,679 |
| Cash dividends to net income (ytd only)* | 15.7895% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 2,349 |
| Loan loss allowance to noncurrent loans | 105.5010% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 1,080 |
| Noncurrent loans to loans | 1.2504% | 1,043 |
| Net loans and leases to total assets | 64.6600% | 1,961 |
| Net loans and leases to deposits | 71.4750% | 2,366 |
| Net loans and leases to core deposits | 73.5398% | 2,554 |
| Total domestic deposits to total assets | 90.4652% | 597 |
| Equity capital to assets | 9.3111% | 3,377 |
| Core capital (leverage) ratio | 8.6151% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4485% | 3,019 |
| Memoranda: | ||
| Average total assets | $120,815,000 | 3,846 |
| Average earning assets | $110,473,000 | 3,867 |
| Average equity | $11,549,000 | 4,051 |
| Average total loans | $79,389,500 | 3,575 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 612 |
| Cost of funding earning assets | 0.8980% | 864 |
| Net interest margin | 3.9896% | 991 |
| Noninterest income to average assets | 0.2518% | 3,979 |
| Noninterest expense to average assets | 2.8658% | 1,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0027% | 2,282 |
| Return on assets (ROA) | 1.0027% | 2,425 |
| Pretax return on assets | 1.0027% | 3,039 |
| Return on Equity (ROE) | 10.6433% | 1,760 |
| Retained earnings to average equity (ytd only) | 8.3768% | 948 |
| Net charge-offs to loans | -0.0195% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6541% | 1,611 |
| Assets per employee ($millions) | 5.3355% | 3,013 |
| Cash dividends to net income (ytd only)* | 21.2955% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 2,058 |
| Loan loss allowance to noncurrent loans | 102.0076% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8911% | 1,118 |
| Noncurrent loans to loans | 1.3520% | 1,004 |
| Net loans and leases to total assets | 65.0009% | 2,226 |
| Net loans and leases to deposits | 72.1801% | 2,666 |
| Net loans and leases to core deposits | 74.3877% | 2,878 |
| Total domestic deposits to total assets | 90.0537% | 543 |
| Equity capital to assets | 9.8219% | 3,293 |
| Core capital (leverage) ratio | 8.5269% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8065% | 2,965 |
| Memoranda: | ||
| Average total assets | $112,394,200 | 3,850 |
| Average earning assets | $101,889,200 | 3,872 |
| Average equity | $10,588,800 | 4,143 |
| Average total loans | $77,112,600 | 3,609 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 560 |
| Cost of funding earning assets | 0.9766% | 829 |
| Net interest margin | 4.0734% | 942 |
| Noninterest income to average assets | 0.2807% | 3,806 |
| Noninterest expense to average assets | 2.8946% | 1,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0736% | 2,069 |
| Return on assets (ROA) | 1.0736% | 2,199 |
| Pretax return on assets | 1.0736% | 2,837 |
| Return on Equity (ROE) | 11.5253% | 1,505 |
| Retained earnings to average equity (ytd only) | 9.2074% | 934 |
| Net charge-offs to loans | -0.0190% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5538% | 1,694 |
| Assets per employee ($millions) | 5.2378% | 2,971 |
| Cash dividends to net income (ytd only)* | 20.1117% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 2,109 |
| Loan loss allowance to noncurrent loans | 96.3735% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.9572% | 1,170 |
| Noncurrent loans to loans | 1.3623% | 1,074 |
| Net loans and leases to total assets | 69.3407% | 2,054 |
| Net loans and leases to deposits | 77.1799% | 2,631 |
| Net loans and leases to core deposits | 79.2930% | 2,905 |
| Total domestic deposits to total assets | 89.8430% | 485 |
| Equity capital to assets | 9.7994% | 3,429 |
| Core capital (leverage) ratio | 8.4093% | 4,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3138% | 2,836 |
| Memoranda: | ||
| Average total assets | $111,147,750 | 3,865 |
| Average earning assets | $100,616,750 | 3,881 |
| Average equity | $10,353,750 | 4,177 |
| Average total loans | $77,049,500 | 3,626 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4454% | 372 |
| Cost of funding earning assets | 1.0045% | 974 |
| Net interest margin | 4.4409% | 565 |
| Noninterest income to average assets | 0.2459% | 4,000 |
| Noninterest expense to average assets | 2.9457% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3189% | 1,309 |
| Return on assets (ROA) | 1.3189% | 1,410 |
| Pretax return on assets | 1.3189% | 1,971 |
| Return on Equity (ROE) | 14.4209% | 805 |
| Retained earnings to average equity (ytd only) | 12.0307% | 460 |
| Net charge-offs to loans | -0.0185% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7488% | 2,273 |
| Assets per employee ($millions) | 5.6690% | 2,470 |
| Cash dividends to net income (ytd only)* | 16.5746% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 2,102 |
| Loan loss allowance to noncurrent loans | 90.5902% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.9819% | 1,221 |
| Noncurrent loans to loans | 1.4125% | 1,094 |
| Net loans and leases to total assets | 68.6289% | 2,245 |
| Net loans and leases to deposits | 75.8974% | 2,881 |
| Net loans and leases to core deposits | 77.8849% | 3,118 |
| Total domestic deposits to total assets | 90.4233% | 293 |
| Equity capital to assets | 9.3205% | 3,812 |
| Core capital (leverage) ratio | 8.3102% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9643% | 2,979 |
| Memoranda: | ||
| Average total assets | $109,786,667 | 3,872 |
| Average earning assets | $99,350,333 | 3,888 |
| Average equity | $10,041,000 | 4,214 |
| Average total loans | $75,744,333 | 3,653 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7297% | 1,620 |
| Cost of funding earning assets | 1.0407% | 1,255 |
| Net interest margin | 3.6890% | 2,361 |
| Noninterest income to average assets | 0.2701% | 3,918 |
| Noninterest expense to average assets | 2.8529% | 2,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7342% | 3,153 |
| Return on assets (ROA) | 0.7342% | 3,237 |
| Pretax return on assets | 0.7342% | 3,580 |
| Return on Equity (ROE) | 8.1148% | 2,471 |
| Retained earnings to average equity (ytd only) | 5.5921% | 2,034 |
| Net charge-offs to loans | -0.0166% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9427% | 1,345 |
| Assets per employee ($millions) | 5.0803% | 2,556 |
| Cash dividends to net income (ytd only)* | 31.0881% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 1,553 |
| Loan loss allowance to noncurrent loans | 83.0709% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.1904% | 1,051 |
| Noncurrent loans to loans | 1.7316% | 871 |
| Net loans and leases to total assets | 67.7552% | 2,577 |
| Net loans and leases to deposits | 74.5624% | 3,212 |
| Net loans and leases to core deposits | 76.8281% | 3,440 |
| Total domestic deposits to total assets | 90.8705% | 124 |
| Equity capital to assets | 8.9252% | 4,643 |
| Core capital (leverage) ratio | 8.4019% | 4,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9768% | 3,331 |
| Memoranda: | ||
| Average total assets | $105,155,500 | 3,913 |
| Average earning assets | $94,550,500 | 3,952 |
| Average equity | $9,513,500 | 4,293 |
| Average total loans | $72,236,000 | 3,720 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1894% | 1,019 |
| Cost of funding earning assets | 0.7440% | 2,952 |
| Net interest margin | 4.4454% | 812 |
| Noninterest income to average assets | 0.7439% | 1,651 |
| Noninterest expense to average assets | 3.1904% | 1,547 |
| Loan and lease loss provision to assets | 0.5137% | 249 |
| Net operating income to assets | 0.9566% | 2,995 |
| Return on assets (ROA) | 1.0515% | 2,743 |
| Pretax return on assets | 1.0515% | 3,327 |
| Return on Equity (ROE) | 10.7869% | 1,971 |
| Retained earnings to average equity (ytd only) | 10.7869% | 366 |
| Net charge-offs to loans | -0.0237% | 4,662 |
| Credit loss provision to net charge-offs | -3,140.0000% | 4,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0021% | 2,616 |
| Assets per employee ($millions) | 5.4539% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 1,285 |
| Loan loss allowance to noncurrent loans | 78.5075% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.2931% | 859 |
| Noncurrent loans to loans | 1.8838% | 696 |
| Net loans and leases to total assets | 67.6282% | 2,735 |
| Net loans and leases to deposits | 74.5831% | 3,297 |
| Net loans and leases to core deposits | 76.7022% | 3,534 |
| Total domestic deposits to total assets | 90.6749% | 167 |
| Equity capital to assets | 9.1726% | 4,592 |
| Core capital (leverage) ratio | 8.5076% | 4,842 |
| Tier 1 risk-based capital ratio | 9.7574% | 5,144 |
| Total risk-based capital ratio | 10.9366% | 5,127 |
| Memoranda: | ||
| Average total assets | $91,681,000 | 4,116 |
| Average earning assets | $80,780,800 | 4,171 |
| Average equity | $8,936,800 | 4,382 |
| Average total loans | $63,298,000 | 3,923 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3718% | 745 |
| Cost of funding earning assets | 0.6372% | 3,506 |
| Net interest margin | 4.7346% | 467 |
| Noninterest income to average assets | 0.9275% | 1,084 |
| Noninterest expense to average assets | 3.3342% | 1,204 |
| Loan and lease loss provision to assets | 0.7080% | 149 |
| Net operating income to assets | 1.0402% | 2,819 |
| Return on assets (ROA) | 1.1710% | 2,383 |
| Pretax return on assets | 1.1710% | 3,069 |
| Return on Equity (ROE) | 11.8098% | 1,682 |
| Retained earnings to average equity (ytd only) | 11.8098% | 408 |
| Net charge-offs to loans | -0.0239% | 4,630 |
| Credit loss provision to net charge-offs | -4,281.8182% | 4,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2118% | 2,973 |
| Assets per employee ($millions) | 4.8742% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 910 |
| Loan loss allowance to noncurrent loans | 68.8116% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.5623% | 683 |
| Noncurrent loans to loans | 2.3913% | 506 |
| Net loans and leases to total assets | 64.2574% | 3,261 |
| Net loans and leases to deposits | 71.4302% | 3,644 |
| Net loans and leases to core deposits | 73.1707% | 3,877 |
| Total domestic deposits to total assets | 89.9582% | 297 |
| Equity capital to assets | 9.6653% | 4,319 |
| Core capital (leverage) ratio | 9.1476% | 4,516 |
| Tier 1 risk-based capital ratio | 10.5997% | 5,048 |
| Total risk-based capital ratio | 11.8510% | 4,972 |
| Memoranda: | ||
| Average total assets | $88,695,250 | 4,218 |
| Average earning assets | $77,836,750 | 4,268 |
| Average equity | $8,794,750 | 4,454 |
| Average total loans | $61,339,750 | 4,002 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7143% | 391 |
| Cost of funding earning assets | 0.5712% | 3,787 |
| Net interest margin | 5.1432% | 217 |
| Noninterest income to average assets | 0.3521% | 3,584 |
| Noninterest expense to average assets | 3.4069% | 1,090 |
| Loan and lease loss provision to assets | 1.0983% | 89 |
| Net operating income to assets | 0.3195% | 4,851 |
| Return on assets (ROA) | 0.3195% | 4,861 |
| Pretax return on assets | 0.3195% | 4,913 |
| Return on Equity (ROE) | 3.1914% | 4,755 |
| Retained earnings to average equity (ytd only) | 3.1914% | 3,630 |
| Net charge-offs to loans | -0.0363% | 4,736 |
| Credit loss provision to net charge-offs | -4,281.8182% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1155% | 2,368 |
| Assets per employee ($millions) | 4.3497% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7063% | 804 |
| Loan loss allowance to noncurrent loans | 65.6642% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.8346% | 540 |
| Noncurrent loans to loans | 2.5986% | 435 |
| Net loans and leases to total assets | 69.3964% | 2,615 |
| Net loans and leases to deposits | 77.5496% | 3,184 |
| Net loans and leases to core deposits | 79.3632% | 3,472 |
| Total domestic deposits to total assets | 89.4865% | 482 |
| Equity capital to assets | 10.1790% | 3,810 |
| Core capital (leverage) ratio | 9.0439% | 4,598 |
| Tier 1 risk-based capital ratio | 10.5702% | 5,077 |
| Total risk-based capital ratio | 11.8216% | 4,992 |
| Memoranda: | ||
| Average total assets | $85,766,000 | 4,285 |
| Average earning assets | $74,584,330 | 4,358 |
| Average equity | $8,585,670 | 4,501 |
| Average total loans | $60,557,000 | 4,043 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0303% | 1,267 |
| Cost of funding earning assets | 0.5241% | 3,949 |
| Net interest margin | 4.5062% | 732 |
| Noninterest income to average assets | 0.3100% | 3,796 |
| Noninterest expense to average assets | 3.4010% | 1,107 |
| Loan and lease loss provision to assets | 0.6201% | 167 |
| Net operating income to assets | 0.2067% | 5,005 |
| Return on assets (ROA) | 0.2067% | 5,011 |
| Pretax return on assets | 0.2067% | 5,025 |
| Return on Equity (ROE) | 2.0826% | 4,956 |
| Retained earnings to average equity (ytd only) | 2.0826% | 4,044 |
| Net charge-offs to loans | -0.0333% | 4,685 |
| Credit loss provision to net charge-offs | -2,640.0000% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7778% | 1,184 |
| Assets per employee ($millions) | 4.5729% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 2,680 |
| Loan loss allowance to noncurrent loans | 42.1210% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.9209% | 529 |
| Noncurrent loans to loans | 2.8068% | 419 |
| Net loans and leases to total assets | 67.6288% | 2,814 |
| Net loans and leases to deposits | 75.2648% | 3,328 |
| Net loans and leases to core deposits | 77.0128% | 3,597 |
| Total domestic deposits to total assets | 89.8545% | 510 |
| Equity capital to assets | 9.8497% | 3,969 |
| Core capital (leverage) ratio | 9.0839% | 4,591 |
| Tier 1 risk-based capital ratio | 10.9490% | 5,002 |
| Total risk-based capital ratio | 11.9436% | 5,015 |
| Memoranda: | ||
| Average total assets | $85,152,500 | 4,339 |
| Average earning assets | $74,032,000 | 4,413 |
| Average equity | $8,451,000 | 4,551 |
| Average total loans | $60,126,500 | 4,082 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2597% | 3,245 |
| Cost of funding earning assets | 0.3120% | 4,503 |
| Net interest margin | 3.9477% | 2,168 |
| Noninterest income to average assets | 1.1413% | 706 |
| Noninterest expense to average assets | 3.8157% | 667 |
| Loan and lease loss provision to assets | 0.6350% | 174 |
| Net operating income to assets | 0.1404% | 5,155 |
| Return on assets (ROA) | 0.1404% | 5,149 |
| Pretax return on assets | 0.1404% | 5,153 |
| Return on Equity (ROE) | 1.4363% | 5,118 |
| Retained earnings to average equity (ytd only) | 1.4363% | 4,559 |
| Net charge-offs to loans | -0.0454% | 4,943 |
| Credit loss provision to net charge-offs | -1,992.5926% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5167% | 844 |
| Assets per employee ($millions) | 4.1710% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 4,042 |
| Loan loss allowance to noncurrent loans | 32.5101% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 2.0871% | 448 |
| Noncurrent loans to loans | 2.8640% | 376 |
| Net loans and leases to total assets | 72.1946% | 2,226 |
| Net loans and leases to deposits | 81.4619% | 2,796 |
| Net loans and leases to core deposits | 83.4532% | 3,135 |
| Total domestic deposits to total assets | 88.6237% | 1,013 |
| Equity capital to assets | 10.0025% | 3,681 |
| Core capital (leverage) ratio | 9.3150% | 4,345 |
| Tier 1 risk-based capital ratio | 10.7880% | 5,076 |
| Total risk-based capital ratio | 11.5831% | 5,149 |
| Memoranda: | ||
| Average total assets | $84,729,200 | 4,346 |
| Average earning assets | $74,042,400 | 4,420 |
| Average equity | $8,285,000 | 4,559 |
| Average total loans | $59,479,600 | 4,105 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2352% | 3,190 |
| Cost of funding earning assets | 0.3008% | 4,506 |
| Net interest margin | 3.9344% | 2,178 |
| Noninterest income to average assets | 1.1819% | 675 |
| Noninterest expense to average assets | 3.8609% | 619 |
| Loan and lease loss provision to assets | 0.6317% | 162 |
| Net operating income to assets | 0.1332% | 5,238 |
| Return on assets (ROA) | 0.1332% | 5,231 |
| Pretax return on assets | 0.1332% | 5,236 |
| Return on Equity (ROE) | 1.3703% | 5,198 |
| Retained earnings to average equity (ytd only) | 1.3703% | 4,755 |
| Net charge-offs to loans | -0.0451% | 4,897 |
| Credit loss provision to net charge-offs | -2,015.0000% | 4,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8706% | 782 |
| Assets per employee ($millions) | 3.7194% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7248% | 4,826 |
| Loan loss allowance to noncurrent loans | 23.7962% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 2.1827% | 456 |
| Noncurrent loans to loans | 3.0460% | 356 |
| Net loans and leases to total assets | 71.1379% | 2,472 |
| Net loans and leases to deposits | 79.2620% | 3,116 |
| Net loans and leases to core deposits | 80.8124% | 3,428 |
| Total domestic deposits to total assets | 89.7503% | 584 |
| Equity capital to assets | 9.9894% | 3,659 |
| Core capital (leverage) ratio | 9.3157% | 4,379 |
| Tier 1 risk-based capital ratio | 11.0391% | 5,016 |
| Total risk-based capital ratio | 11.6540% | 5,189 |
| Memoranda: | ||
| Average total assets | $85,056,750 | 4,390 |
| Average earning assets | $74,453,000 | 4,459 |
| Average equity | $8,270,250 | 4,608 |
| Average total loans | $59,152,000 | 4,157 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 3,074 |
| Cost of funding earning assets | 0.2908% | 4,486 |
| Net interest margin | 3.9231% | 2,129 |
| Noninterest income to average assets | 1.2074% | 662 |
| Noninterest expense to average assets | 3.8800% | 618 |
| Loan and lease loss provision to assets | 0.6200% | 162 |
| Net operating income to assets | 0.1533% | 5,259 |
| Return on assets (ROA) | 0.1533% | 5,251 |
| Pretax return on assets | 0.1533% | 5,270 |
| Return on Equity (ROE) | 1.5899% | 5,215 |
| Retained earnings to average equity (ytd only) | 1.5899% | 4,611 |
| Net charge-offs to loans | -0.0472% | 4,900 |
| Credit loss provision to net charge-offs | -1,907.1429% | 4,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8363% | 848 |
| Assets per employee ($millions) | 3.5898% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4897% | 5,271 |
| Loan loss allowance to noncurrent loans | 15.4605% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 2.2091% | 441 |
| Noncurrent loans to loans | 3.1674% | 338 |
| Net loans and leases to total assets | 69.4039% | 2,667 |
| Net loans and leases to deposits | 77.2760% | 3,229 |
| Net loans and leases to core deposits | 78.7673% | 3,514 |
| Total domestic deposits to total assets | 89.8130% | 628 |
| Equity capital to assets | 9.9811% | 3,645 |
| Core capital (leverage) ratio | 9.0515% | 4,645 |
| Tier 1 risk-based capital ratio | 11.1186% | 4,990 |
| Total risk-based capital ratio | 11.5315% | 5,270 |
| Memoranda: | ||
| Average total assets | $86,133,330 | 4,411 |
| Average earning assets | $75,654,000 | 4,478 |
| Average equity | $8,302,330 | 4,643 |
| Average total loans | $59,324,330 | 4,182 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 2,511 |
| Cost of funding earning assets | 0.2935% | 4,400 |
| Net interest margin | 4.0058% | 1,709 |
| Noninterest income to average assets | 1.2239% | 618 |
| Noninterest expense to average assets | 3.8309% | 646 |
| Loan and lease loss provision to assets | 0.6097% | 166 |
| Net operating income to assets | 0.3230% | 5,062 |
| Return on assets (ROA) | 0.3230% | 5,067 |
| Pretax return on assets | 0.3230% | 5,141 |
| Return on Equity (ROE) | 3.4081% | 4,919 |
| Retained earnings to average equity (ytd only) | 3.4081% | 3,845 |
| Net charge-offs to loans | -0.0465% | 4,938 |
| Credit loss provision to net charge-offs | -1,914.2857% | 4,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8921% | 1,266 |
| Assets per employee ($millions) | 3.5640% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2370% | 5,512 |
| Loan loss allowance to noncurrent loans | 8.5852% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 2.0751% | 535 |
| Noncurrent loans to loans | 2.7609% | 456 |
| Net loans and leases to total assets | 69.8703% | 2,505 |
| Net loans and leases to deposits | 77.5102% | 3,063 |
| Net loans and leases to core deposits | 78.9456% | 3,410 |
| Total domestic deposits to total assets | 90.1434% | 602 |
| Equity capital to assets | 9.6601% | 3,930 |
| Core capital (leverage) ratio | 8.8649% | 4,831 |
| Tier 1 risk-based capital ratio | 10.9738% | 5,141 |
| Total risk-based capital ratio | 11.1793% | 5,465 |
| Memoranda: | ||
| Average total assets | $87,917,000 | 4,432 |
| Average earning assets | $77,687,000 | 4,494 |
| Average equity | $8,333,000 | 4,693 |
| Average total loans | $60,193,500 | 4,190 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2929% | 5,664 |
| Cost of funding earning assets | 0.0238% | 5,637 |
| Net interest margin | 0.2691% | 5,663 |
| Noninterest income to average assets | 0.2340% | 4,734 |
| Noninterest expense to average assets | 0.3108% | 5,658 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1593% | 5,181 |
| Return on assets (ROA) | 0.1329% | 5,224 |
| Pretax return on assets | 0.1329% | 5,359 |
| Return on Equity (ROE) | 1.5366% | 5,150 |
| Retained earnings to average equity (ytd only) | 1.5366% | 4,383 |
| Net charge-offs to loans | -0.0017% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1215% | 3,247 |
| Assets per employee ($millions) | 3.6205% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0017% | 5,619 |
| Loan loss allowance to noncurrent loans | 0.0602% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 1.9854% | 567 |
| Noncurrent loans to loans | 2.7503% | 443 |
| Net loans and leases to total assets | 66.7237% | 3,003 |
| Net loans and leases to deposits | 73.8852% | 3,526 |
| Net loans and leases to core deposits | 79.4195% | 3,462 |
| Total domestic deposits to total assets | 90.3074% | 467 |
| Equity capital to assets | 9.5214% | 4,217 |
| Core capital (leverage) ratio | 8.5752% | 5,068 |
| Tier 1 risk-based capital ratio | 11.1994% | 5,034 |
| Total risk-based capital ratio | 11.2008% | 5,494 |
| Memoranda: | ||
| Average total assets | $91,041,400 | 4,410 |
| Average earning assets | $79,882,400 | 4,465 |
| Average equity | $7,874,400 | 4,804 |
| Average total loans | $59,152,200 | 4,219 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7130% | 4,288 |
| Cost of funding earning assets | 0.3406% | 3,766 |
| Net interest margin | 3.3724% | 3,940 |
| Noninterest income to average assets | 0.6040% | 2,461 |
| Noninterest expense to average assets | 3.4570% | 1,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1009% | 5,445 |
| Return on assets (ROA) | 0.1009% | 5,457 |
| Pretax return on assets | 0.1009% | 5,462 |
| Return on Equity (ROE) | 1.1966% | 5,408 |
| Retained earnings to average equity (ytd only) | 1.1966% | 4,925 |
| Net charge-offs to loans | -0.0408% | 5,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1640% | 225 |
| Assets per employee ($millions) | 3.9771% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4393% | 286 |
| Loan loss allowance to noncurrent loans | 69.1092% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 4.8528% | 111 |
| Noncurrent loans to loans | 3.5297% | 311 |
| Net loans and leases to total assets | 63.0929% | 3,541 |
| Net loans and leases to deposits | 69.1273% | 4,031 |
| Net loans and leases to core deposits | 74.1203% | 3,966 |
| Total domestic deposits to total assets | 91.2706% | 131 |
| Equity capital to assets | 8.4856% | 5,295 |
| Core capital (leverage) ratio | 8.6828% | 5,078 |
| Tier 1 risk-based capital ratio | 11.1091% | 5,182 |
| Total risk-based capital ratio | 12.3691% | 5,069 |
| Memoranda: | ||
| Average total assets | $91,173,750 | 4,447 |
| Average earning assets | $79,861,750 | 4,510 |
| Average equity | $7,688,500 | 4,876 |
| Average total loans | $58,841,750 | 4,272 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7084% | 4,206 |
| Cost of funding earning assets | 0.3392% | 3,701 |
| Net interest margin | 3.3692% | 3,880 |
| Noninterest income to average assets | 0.6676% | 2,136 |
| Noninterest expense to average assets | 3.4455% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1669% | 5,437 |
| Return on assets (ROA) | 0.1669% | 5,440 |
| Pretax return on assets | 0.1669% | 5,453 |
| Return on Equity (ROE) | 1.9833% | 5,348 |
| Retained earnings to average equity (ytd only) | 1.9833% | 4,463 |
| Net charge-offs to loans | -0.0375% | 5,044 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3799% | 273 |
| Assets per employee ($millions) | 3.6200% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4987% | 285 |
| Loan loss allowance to noncurrent loans | 67.8318% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 4.8983% | 111 |
| Noncurrent loans to loans | 3.6837% | 285 |
| Net loans and leases to total assets | 61.9160% | 3,640 |
| Net loans and leases to deposits | 67.8978% | 4,082 |
| Net loans and leases to core deposits | 72.8575% | 4,029 |
| Total domestic deposits to total assets | 91.1901% | 177 |
| Equity capital to assets | 8.5901% | 5,238 |
| Core capital (leverage) ratio | 8.7677% | 4,984 |
| Tier 1 risk-based capital ratio | 11.5271% | 4,937 |
| Total risk-based capital ratio | 12.7881% | 4,829 |
| Memoranda: | ||
| Average total assets | $91,074,000 | 4,480 |
| Average earning assets | $79,604,000 | 4,539 |
| Average equity | $7,664,000 | 4,905 |
| Average total loans | $58,737,000 | 4,293 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6861% | 4,150 |
| Cost of funding earning assets | 0.3365% | 3,679 |
| Net interest margin | 3.3496% | 3,849 |
| Noninterest income to average assets | 0.7968% | 1,563 |
| Noninterest expense to average assets | 3.4719% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2452% | 5,312 |
| Return on assets (ROA) | 0.2452% | 5,328 |
| Pretax return on assets | 0.2452% | 5,381 |
| Return on Equity (ROE) | 2.9439% | 5,116 |
| Retained earnings to average equity (ytd only) | 2.9439% | 3,940 |
| Net charge-offs to loans | -0.0135% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4040% | 404 |
| Assets per employee ($millions) | 3.4457% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4135% | 348 |
| Loan loss allowance to noncurrent loans | 87.4923% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 4.4057% | 154 |
| Noncurrent loans to loans | 2.7585% | 528 |
| Net loans and leases to total assets | 64.4041% | 3,218 |
| Net loans and leases to deposits | 70.5919% | 3,735 |
| Net loans and leases to core deposits | 75.7951% | 3,673 |
| Total domestic deposits to total assets | 91.2344% | 232 |
| Equity capital to assets | 8.5479% | 5,204 |
| Core capital (leverage) ratio | 8.7967% | 4,956 |
| Tier 1 risk-based capital ratio | 11.2714% | 5,154 |
| Total risk-based capital ratio | 12.5318% | 5,056 |
| Memoranda: | ||
| Average total assets | $91,361,000 | 4,512 |
| Average earning assets | $79,651,000 | 4,584 |
| Average equity | $7,609,000 | 4,954 |
| Average total loans | $59,370,500 | 4,316 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 3,780 |
| Cost of funding earning assets | 0.3666% | 3,350 |
| Net interest margin | 3.4709% | 3,543 |
| Noninterest income to average assets | 0.1897% | 5,270 |
| Noninterest expense to average assets | 4.7942% | 294 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -1.5836% | 5,869 |
| Return on assets (ROA) | -1.5708% | 5,870 |
| Pretax return on assets | -1.5708% | 5,866 |
| Return on Equity (ROE) | -16.3443% | 5,867 |
| Retained earnings to average equity (ytd only) | -16.3443% | 5,841 |
| Net charge-offs to loans | 0.0944% | 2,358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -26.2105% | 4,263 |
| Efficiency ratio | 149.3232% | 32 |
| Assets per employee ($millions) | 3.7253% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3903% | 359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.3415% | 270 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 62.4805% | 3,549 |
| Net loans and leases to deposits | 68.3840% | 4,056 |
| Net loans and leases to core deposits | 72.9545% | 4,014 |
| Total domestic deposits to total assets | 91.3672% | 194 |
| Equity capital to assets | 8.1174% | 5,509 |
| Core capital (leverage) ratio | 8.2161% | 5,499 |
| Tier 1 risk-based capital ratio | 11.0054% | 5,345 |
| Total risk-based capital ratio | 12.2647% | 5,229 |
| Memoranda: | ||
| Average total assets | $94,344,000 | 4,459 |
| Average earning assets | $82,110,800 | 4,548 |
| Average equity | $9,067,400 | 4,747 |
| Average total loans | $60,390,800 | 4,287 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 3,776 |
| Cost of funding earning assets | 0.3656% | 3,379 |
| Net interest margin | 3.4817% | 3,536 |
| Noninterest income to average assets | 0.5452% | 2,942 |
| Noninterest expense to average assets | 3.4034% | 1,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1733% | 5,513 |
| Return on assets (ROA) | 0.1902% | 5,548 |
| Pretax return on assets | 0.1902% | 5,578 |
| Return on Equity (ROE) | 1.9059% | 5,486 |
| Retained earnings to average equity (ytd only) | 1.9059% | 4,728 |
| Net charge-offs to loans | -0.0880% | 5,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1556% | 342 |
| Assets per employee ($millions) | 3.5385% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6059% | 288 |
| Loan loss allowance to noncurrent loans | 367.6329% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 3.7314% | 242 |
| Noncurrent loans to loans | 0.7088% | 2,910 |
| Net loans and leases to total assets | 59.5405% | 3,934 |
| Net loans and leases to deposits | 66.4645% | 4,305 |
| Net loans and leases to core deposits | 70.8733% | 4,260 |
| Total domestic deposits to total assets | 89.5824% | 637 |
| Equity capital to assets | 9.9916% | 4,128 |
| Core capital (leverage) ratio | 9.9096% | 3,681 |
| Tier 1 risk-based capital ratio | 13.6248% | 3,783 |
| Total risk-based capital ratio | 14.8864% | 3,689 |
| Memoranda: | ||
| Average total assets | $94,646,750 | 4,492 |
| Average earning assets | $82,410,500 | 4,574 |
| Average equity | $9,444,250 | 4,713 |
| Average total loans | $60,584,750 | 4,308 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 3,506 |
| Cost of funding earning assets | 0.3657% | 3,399 |
| Net interest margin | 3.5622% | 3,242 |
| Noninterest income to average assets | 0.4833% | 3,310 |
| Noninterest expense to average assets | 3.4065% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1738% | 5,575 |
| Return on assets (ROA) | 0.1865% | 5,604 |
| Pretax return on assets | 0.1865% | 5,633 |
| Return on Equity (ROE) | 1.8703% | 5,535 |
| Retained earnings to average equity (ytd only) | 1.8703% | 4,620 |
| Net charge-offs to loans | -0.0881% | 5,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1451% | 376 |
| Assets per employee ($millions) | 3.6891% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4880% | 368 |
| Loan loss allowance to noncurrent loans | 359.2857% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 4.0420% | 216 |
| Noncurrent loans to loans | 0.6925% | 2,999 |
| Net loans and leases to total assets | 61.6606% | 3,660 |
| Net loans and leases to deposits | 68.8318% | 4,101 |
| Net loans and leases to core deposits | 73.3720% | 4,046 |
| Total domestic deposits to total assets | 89.5816% | 645 |
| Equity capital to assets | 9.9763% | 4,255 |
| Core capital (leverage) ratio | 9.8507% | 3,749 |
| Tier 1 risk-based capital ratio | 13.3151% | 4,005 |
| Total risk-based capital ratio | 14.5754% | 3,917 |
| Memoranda: | ||
| Average total assets | $94,349,000 | 4,536 |
| Average earning assets | $82,028,670 | 4,621 |
| Average equity | $9,410,330 | 4,751 |
| Average total loans | $61,310,670 | 4,303 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 3,133 |
| Cost of funding earning assets | 0.3690% | 3,410 |
| Net interest margin | 3.6553% | 2,871 |
| Noninterest income to average assets | 0.5130% | 3,027 |
| Noninterest expense to average assets | 3.4543% | 1,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2351% | 5,464 |
| Return on assets (ROA) | 0.2565% | 5,491 |
| Pretax return on assets | 0.2565% | 5,575 |
| Return on Equity (ROE) | 2.5721% | 5,365 |
| Retained earnings to average equity (ytd only) | 2.5721% | 4,215 |
| Net charge-offs to loans | -0.0714% | 5,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6269% | 466 |
| Assets per employee ($millions) | 3.5079% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4089% | 434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.6447% | 298 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 63.8613% | 3,257 |
| Net loans and leases to deposits | 71.2720% | 3,718 |
| Net loans and leases to core deposits | 76.0301% | 3,682 |
| Total domestic deposits to total assets | 89.6023% | 785 |
| Equity capital to assets | 9.9332% | 4,171 |
| Core capital (leverage) ratio | 10.1649% | 3,351 |
| Tier 1 risk-based capital ratio | 13.1600% | 4,162 |
| Total risk-based capital ratio | 14.4206% | 4,079 |
| Memoranda: | ||
| Average total assets | $93,565,000 | 4,585 |
| Average earning assets | $81,306,500 | 4,675 |
| Average equity | $9,331,000 | 4,797 |
| Average total loans | $61,640,000 | 4,324 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 717 |
| Cost of funding earning assets | 0.3638% | 3,542 |
| Net interest margin | 4.5682% | 586 |
| Noninterest income to average assets | 0.4727% | 3,513 |
| Noninterest expense to average assets | 3.6206% | 1,090 |
| Loan and lease loss provision to assets | -0.4258% | 6,108 |
| Net operating income to assets | 1.2615% | 1,361 |
| Return on assets (ROA) | 1.2615% | 1,406 |
| Pretax return on assets | 1.2615% | 2,429 |
| Return on Equity (ROE) | 13.7509% | 900 |
| Retained earnings to average equity (ytd only) | 13.7509% | 175 |
| Net charge-offs to loans | 0.2967% | 1,022 |
| Credit loss provision to net charge-offs | -228.5714% | 5,293 |
| Earnings coverage of net charge-offs (x) | 4.4857% | 3,550 |
| Efficiency ratio | 81.2470% | 1,503 |
| Assets per employee ($millions) | 3.4229% | 4,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4175% | 443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.7352% | 294 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 64.7284% | 3,160 |
| Net loans and leases to deposits | 72.2839% | 3,686 |
| Net loans and leases to core deposits | 75.8156% | 3,773 |
| Total domestic deposits to total assets | 89.5474% | 828 |
| Equity capital to assets | 10.0133% | 3,944 |
| Core capital (leverage) ratio | 9.9443% | 3,585 |
| Tier 1 risk-based capital ratio | 12.8709% | 4,407 |
| Total risk-based capital ratio | 14.1309% | 4,293 |
| Memoranda: | ||
| Average total assets | $93,934,600 | 4,582 |
| Average earning assets | $81,913,400 | 4,677 |
| Average equity | $8,617,600 | 4,930 |
| Average total loans | $58,991,000 | 4,403 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 1,311 |
| Cost of funding earning assets | 0.3641% | 3,611 |
| Net interest margin | 4.2436% | 1,067 |
| Noninterest income to average assets | 0.4821% | 3,492 |
| Noninterest expense to average assets | 3.6007% | 1,119 |
| Loan and lease loss provision to assets | -0.5655% | 6,222 |
| Net operating income to assets | 1.1536% | 1,818 |
| Return on assets (ROA) | 1.1536% | 1,885 |
| Pretax return on assets | 1.1536% | 3,000 |
| Return on Equity (ROE) | 12.8624% | 1,159 |
| Retained earnings to average equity (ytd only) | 12.8624% | 288 |
| Net charge-offs to loans | 0.3492% | 755 |
| Credit loss provision to net charge-offs | -261.4379% | 5,238 |
| Earnings coverage of net charge-offs (x) | 2.7190% | 3,612 |
| Efficiency ratio | 85.9602% | 1,006 |
| Assets per employee ($millions) | 3.4741% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4616% | 455 |
| Loan loss allowance to noncurrent loans | 608.9069% | 857 |
| Noncurrent assets plus other real estate owned to assets | 3.7516% | 329 |
| Noncurrent loans to loans | 0.4043% | 4,161 |
| Net loans and leases to total assets | 63.5341% | 3,374 |
| Net loans and leases to deposits | 70.9422% | 3,885 |
| Net loans and leases to core deposits | 76.3862% | 3,758 |
| Total domestic deposits to total assets | 89.5576% | 751 |
| Equity capital to assets | 9.5629% | 4,677 |
| Core capital (leverage) ratio | 9.4780% | 4,328 |
| Tier 1 risk-based capital ratio | 12.7186% | 4,604 |
| Total risk-based capital ratio | 13.9795% | 4,500 |
| Memoranda: | ||
| Average total assets | $94,314,000 | 4,628 |
| Average earning assets | $82,381,000 | 4,728 |
| Average equity | $8,458,500 | 5,029 |
| Average total loans | $58,413,250 | 4,461 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1907% | 2,572 |
| Cost of funding earning assets | 0.3686% | 3,618 |
| Net interest margin | 3.8221% | 2,230 |
| Noninterest income to average assets | 0.5525% | 3,024 |
| Noninterest expense to average assets | 3.5371% | 1,243 |
| Loan and lease loss provision to assets | -0.8467% | 6,318 |
| Net operating income to assets | 1.1981% | 1,605 |
| Return on assets (ROA) | 1.1981% | 1,682 |
| Pretax return on assets | 1.1981% | 2,782 |
| Return on Equity (ROE) | 13.6583% | 967 |
| Retained earnings to average equity (ytd only) | 13.6583% | 256 |
| Net charge-offs to loans | 0.5981% | 400 |
| Credit loss provision to net charge-offs | -232.5581% | 5,052 |
| Earnings coverage of net charge-offs (x) | 0.9651% | 3,596 |
| Efficiency ratio | 90.9635% | 689 |
| Assets per employee ($millions) | 3.4839% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6330% | 406 |
| Loan loss allowance to noncurrent loans | 1,188.0000% | 487 |
| Noncurrent assets plus other real estate owned to assets | 3.6124% | 388 |
| Noncurrent loans to loans | 0.2216% | 4,895 |
| Net loans and leases to total assets | 58.3805% | 4,056 |
| Net loans and leases to deposits | 64.5671% | 4,483 |
| Net loans and leases to core deposits | 69.4494% | 4,374 |
| Total domestic deposits to total assets | 90.4182% | 489 |
| Equity capital to assets | 9.1608% | 5,070 |
| Core capital (leverage) ratio | 9.2051% | 4,685 |
| Tier 1 risk-based capital ratio | 13.1732% | 4,412 |
| Total risk-based capital ratio | 14.4351% | 4,331 |
| Memoranda: | ||
| Average total assets | $94,485,330 | 4,668 |
| Average earning assets | $82,468,000 | 4,770 |
| Average equity | $8,288,000 | 5,104 |
| Average total loans | $57,518,000 | 4,522 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2113% | 2,408 |
| Cost of funding earning assets | 0.3679% | 3,670 |
| Net interest margin | 3.8434% | 2,092 |
| Noninterest income to average assets | 0.5576% | 2,907 |
| Noninterest expense to average assets | 3.4468% | 1,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4646% | 4,812 |
| Return on assets (ROA) | 0.4646% | 4,929 |
| Pretax return on assets | 0.4646% | 5,275 |
| Return on Equity (ROE) | 5.4164% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.4164% | 2,825 |
| Net charge-offs to loans | -0.0689% | 5,686 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1210% | 1,006 |
| Assets per employee ($millions) | 3.6455% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5475% | 176 |
| Loan loss allowance to noncurrent loans | 768.4015% | 692 |
| Noncurrent assets plus other real estate owned to assets | 3.7581% | 418 |
| Noncurrent loans to loans | 0.4617% | 4,197 |
| Net loans and leases to total assets | 59.2940% | 3,759 |
| Net loans and leases to deposits | 65.2805% | 4,232 |
| Net loans and leases to core deposits | 70.1474% | 4,137 |
| Total domestic deposits to total assets | 90.8295% | 421 |
| Equity capital to assets | 8.6799% | 5,591 |
| Core capital (leverage) ratio | 8.8656% | 5,119 |
| Tier 1 risk-based capital ratio | 12.4732% | 4,922 |
| Total risk-based capital ratio | 13.7460% | 4,820 |
| Memoranda: | ||
| Average total assets | $94,696,000 | 4,700 |
| Average earning assets | $82,635,000 | 4,810 |
| Average equity | $8,123,500 | 5,186 |
| Average total loans | $58,077,000 | 4,540 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4548% | 2,048 |
| Cost of funding earning assets | 0.3911% | 3,777 |
| Net interest margin | 4.0637% | 1,698 |
| Noninterest income to average assets | 0.5203% | 3,358 |
| Noninterest expense to average assets | 3.7719% | 1,031 |
| Loan and lease loss provision to assets | -0.6697% | 6,467 |
| Net operating income to assets | 0.9613% | 2,575 |
| Return on assets (ROA) | 0.9613% | 2,658 |
| Pretax return on assets | 0.9613% | 3,643 |
| Return on Equity (ROE) | 12.1722% | 1,365 |
| Retained earnings to average equity (ytd only) | 12.1722% | 284 |
| Net charge-offs to loans | -0.1860% | 6,250 |
| Credit loss provision to net charge-offs | 590.9091% | 450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8245% | 658 |
| Assets per employee ($millions) | 3.5041% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5535% | 177 |
| Loan loss allowance to noncurrent loans | 1,162.1469% | 525 |
| Noncurrent assets plus other real estate owned to assets | 3.6677% | 494 |
| Noncurrent loans to loans | 0.3058% | 4,750 |
| Net loans and leases to total assets | 59.0107% | 3,918 |
| Net loans and leases to deposits | 64.8244% | 4,449 |
| Net loans and leases to core deposits | 69.6482% | 4,353 |
| Total domestic deposits to total assets | 91.0316% | 351 |
| Equity capital to assets | 8.4769% | 5,773 |
| Core capital (leverage) ratio | 8.4932% | 5,568 |
| Tier 1 risk-based capital ratio | 12.4433% | 5,068 |
| Total risk-based capital ratio | 13.7165% | 4,974 |
| Memoranda: | ||
| Average total assets | $97,060,800 | 4,675 |
| Average earning assets | $84,627,000 | 4,770 |
| Average equity | $7,665,000 | 5,279 |
| Average total loans | $59,133,600 | 4,516 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 1,846 |
| Cost of funding earning assets | 0.3947% | 3,845 |
| Net interest margin | 4.1110% | 1,541 |
| Noninterest income to average assets | 0.5064% | 3,502 |
| Noninterest expense to average assets | 3.7498% | 1,037 |
| Loan and lease loss provision to assets | -0.8873% | 6,564 |
| Net operating income to assets | 1.2272% | 1,587 |
| Return on assets (ROA) | 1.2272% | 1,649 |
| Pretax return on assets | 1.2272% | 2,665 |
| Return on Equity (ROE) | 15.8210% | 693 |
| Retained earnings to average equity (ytd only) | 15.8210% | 174 |
| Net charge-offs to loans | -0.2198% | 6,327 |
| Credit loss provision to net charge-offs | 663.2653% | 449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6889% | 728 |
| Assets per employee ($millions) | 3.5411% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5844% | 216 |
| Loan loss allowance to noncurrent loans | 1,155.3672% | 502 |
| Noncurrent assets plus other real estate owned to assets | 3.6293% | 578 |
| Noncurrent loans to loans | 0.3102% | 4,978 |
| Net loans and leases to total assets | 57.5337% | 4,130 |
| Net loans and leases to deposits | 63.2625% | 4,612 |
| Net loans and leases to core deposits | 71.3750% | 4,219 |
| Total domestic deposits to total assets | 90.9445% | 380 |
| Equity capital to assets | 8.3349% | 5,914 |
| Core capital (leverage) ratio | 8.2959% | 5,842 |
| Tier 1 risk-based capital ratio | 12.5732% | 5,129 |
| Total risk-based capital ratio | 13.8465% | 5,034 |
| Memoranda: | ||
| Average total assets | $97,673,500 | 4,702 |
| Average earning assets | $85,134,750 | 4,810 |
| Average equity | $7,576,250 | 5,338 |
| Average total loans | $59,445,250 | 4,546 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5442% | 1,684 |
| Cost of funding earning assets | 0.3968% | 3,898 |
| Net interest margin | 4.1474% | 1,391 |
| Noninterest income to average assets | 0.4839% | 3,603 |
| Noninterest expense to average assets | 3.7494% | 1,049 |
| Loan and lease loss provision to assets | -1.3217% | 6,645 |
| Net operating income to assets | 1.6694% | 617 |
| Return on assets (ROA) | 1.6694% | 651 |
| Pretax return on assets | 1.6694% | 1,086 |
| Return on Equity (ROE) | 22.0541% | 197 |
| Retained earnings to average equity (ytd only) | 22.0541% | 63 |
| Net charge-offs to loans | -0.2822% | 6,418 |
| Credit loss provision to net charge-offs | 764.7059% | 419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5136% | 795 |
| Assets per employee ($millions) | 3.6824% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4425% | 252 |
| Loan loss allowance to noncurrent loans | 1,086.6310% | 493 |
| Noncurrent assets plus other real estate owned to assets | 3.5001% | 669 |
| Noncurrent loans to loans | 0.3168% | 5,062 |
| Net loans and leases to total assets | 57.3246% | 4,075 |
| Net loans and leases to deposits | 62.8328% | 4,611 |
| Net loans and leases to core deposits | 70.5096% | 4,216 |
| Total domestic deposits to total assets | 91.2336% | 331 |
| Equity capital to assets | 7.9628% | 6,175 |
| Core capital (leverage) ratio | 8.1655% | 5,965 |
| Tier 1 risk-based capital ratio | 12.0648% | 5,507 |
| Total risk-based capital ratio | 13.3374% | 5,413 |
| Memoranda: | ||
| Average total assets | $98,361,330 | 4,718 |
| Average earning assets | $85,692,000 | 4,831 |
| Average equity | $7,445,330 | 5,390 |
| Average total loans | $60,242,670 | 4,541 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6147% | 1,466 |
| Cost of funding earning assets | 0.4050% | 3,907 |
| Net interest margin | 4.2098% | 1,192 |
| Noninterest income to average assets | 0.4866% | 3,515 |
| Noninterest expense to average assets | 3.6594% | 1,195 |
| Loan and lease loss provision to assets | -1.6355% | 6,716 |
| Net operating income to assets | 2.1180% | 277 |
| Return on assets (ROA) | 2.1180% | 291 |
| Pretax return on assets | 2.1180% | 415 |
| Return on Equity (ROE) | 28.7399% | 80 |
| Retained earnings to average equity (ytd only) | 28.7399% | 43 |
| Net charge-offs to loans | -0.4404% | 6,536 |
| Credit loss provision to net charge-offs | 597.0149% | 477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3514% | 1,190 |
| Assets per employee ($millions) | 3.6807% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7036% | 236 |
| Loan loss allowance to noncurrent loans | 1,210.6952% | 444 |
| Noncurrent assets plus other real estate owned to assets | 3.5017% | 745 |
| Noncurrent loans to loans | 0.3059% | 5,196 |
| Net loans and leases to total assets | 59.2332% | 3,675 |
| Net loans and leases to deposits | 64.6630% | 4,249 |
| Net loans and leases to core deposits | 72.5254% | 3,819 |
| Total domestic deposits to total assets | 91.6029% | 351 |
| Equity capital to assets | 7.5780% | 6,288 |
| Core capital (leverage) ratio | 7.9625% | 6,141 |
| Tier 1 risk-based capital ratio | 11.2279% | 6,056 |
| Total risk-based capital ratio | 12.5036% | 5,988 |
| Memoranda: | ||
| Average total assets | $97,829,500 | 4,777 |
| Average earning assets | $84,945,500 | 4,893 |
| Average equity | $7,209,500 | 5,464 |
| Average total loans | $60,850,500 | 4,554 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 3,300 |
| Cost of funding earning assets | 0.5044% | 3,566 |
| Net interest margin | 3.7090% | 3,016 |
| Noninterest income to average assets | 0.3399% | 4,887 |
| Noninterest expense to average assets | 3.7018% | 1,282 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.1685% | 6,347 |
| Return on assets (ROA) | -0.1115% | 6,330 |
| Pretax return on assets | -0.1124% | 6,298 |
| Return on Equity (ROE) | -1.7104% | 6,365 |
| Retained earnings to average equity (ytd only) | -1.7104% | 6,145 |
| Net charge-offs to loans | 0.0619% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -4.6500% | 5,386 |
| Efficiency ratio | 104.8124% | 358 |
| Assets per employee ($millions) | 3.5659% | 4,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2875% | 162 |
| Loan loss allowance to noncurrent loans | 1,388.7701% | 402 |
| Noncurrent assets plus other real estate owned to assets | 3.6820% | 766 |
| Noncurrent loans to loans | 0.3087% | 5,260 |
| Net loans and leases to total assets | 60.2146% | 3,673 |
| Net loans and leases to deposits | 65.4356% | 4,362 |
| Net loans and leases to core deposits | 69.0932% | 4,384 |
| Total domestic deposits to total assets | 92.0211% | 281 |
| Equity capital to assets | 7.1542% | 6,414 |
| Core capital (leverage) ratio | 7.4600% | 6,387 |
| Tier 1 risk-based capital ratio | 10.5635% | 6,347 |
| Total risk-based capital ratio | 11.8457% | 6,294 |
| Memoranda: | ||
| Average total assets | $109,434,000 | 4,510 |
| Average earning assets | $94,176,800 | 4,676 |
| Average equity | $7,133,000 | 5,541 |
| Average total loans | $64,637,200 | 4,456 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 3,861 |
| Cost of funding earning assets | 0.5226% | 3,541 |
| Net interest margin | 3.5498% | 3,657 |
| Noninterest income to average assets | 0.5725% | 3,314 |
| Noninterest expense to average assets | 3.6679% | 1,291 |
| Loan and lease loss provision to assets | 0.0887% | 3,285 |
| Net operating income to assets | -0.1313% | 6,417 |
| Return on assets (ROA) | -0.0568% | 6,383 |
| Pretax return on assets | -0.0568% | 6,366 |
| Return on Equity (ROE) | -0.8896% | 6,420 |
| Retained earnings to average equity (ytd only) | -0.8896% | 6,120 |
| Net charge-offs to loans | -0.1178% | 6,532 |
| Credit loss provision to net charge-offs | -129.3103% | 5,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1746% | 424 |
| Assets per employee ($millions) | 3.3840% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6480% | 147 |
| Loan loss allowance to noncurrent loans | 74.1435% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 7.5954% | 252 |
| Noncurrent loans to loans | 6.2689% | 380 |
| Net loans and leases to total assets | 54.1690% | 4,587 |
| Net loans and leases to deposits | 58.5208% | 5,132 |
| Net loans and leases to core deposits | 59.9924% | 5,301 |
| Total domestic deposits to total assets | 92.5637% | 170 |
| Equity capital to assets | 6.6984% | 6,611 |
| Core capital (leverage) ratio | 6.7432% | 6,635 |
| Tier 1 risk-based capital ratio | 10.5281% | 6,442 |
| Total risk-based capital ratio | 11.8118% | 6,406 |
| Memoranda: | ||
| Average total assets | $112,722,750 | 4,492 |
| Average earning assets | $96,941,750 | 4,642 |
| Average equity | $7,194,250 | 5,587 |
| Average total loans | $65,653,750 | 4,459 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 3,880 |
| Cost of funding earning assets | 0.5346% | 3,553 |
| Net interest margin | 3.5254% | 3,676 |
| Noninterest income to average assets | 0.5584% | 3,449 |
| Noninterest expense to average assets | 3.5880% | 1,436 |
| Loan and lease loss provision to assets | 0.1041% | 3,057 |
| Net operating income to assets | -0.0919% | 6,399 |
| Return on assets (ROA) | 0.0173% | 6,354 |
| Pretax return on assets | 0.0173% | 6,335 |
| Return on Equity (ROE) | 0.2759% | 6,343 |
| Retained earnings to average equity (ytd only) | 0.2759% | 5,777 |
| Net charge-offs to loans | -0.1241% | 6,561 |
| Credit loss provision to net charge-offs | -142.8571% | 5,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6628% | 496 |
| Assets per employee ($millions) | 3.5296% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3858% | 188 |
| Loan loss allowance to noncurrent loans | 70.7569% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 7.4431% | 305 |
| Noncurrent loans to loans | 6.1985% | 433 |
| Net loans and leases to total assets | 54.5729% | 4,509 |
| Net loans and leases to deposits | 58.7485% | 5,094 |
| Net loans and leases to core deposits | 60.4776% | 5,224 |
| Total domestic deposits to total assets | 92.8923% | 132 |
| Equity capital to assets | 6.4067% | 6,704 |
| Core capital (leverage) ratio | 6.5590% | 6,690 |
| Tier 1 risk-based capital ratio | 10.2569% | 6,575 |
| Total risk-based capital ratio | 11.5382% | 6,541 |
| Memoranda: | ||
| Average total assets | $115,328,670 | 4,455 |
| Average earning assets | $99,505,670 | 4,600 |
| Average equity | $7,250,000 | 5,613 |
| Average total loans | $67,673,000 | 4,389 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 4,090 |
| Cost of funding earning assets | 0.5630% | 3,453 |
| Net interest margin | 3.4448% | 3,937 |
| Noninterest income to average assets | 0.5174% | 3,655 |
| Noninterest expense to average assets | 3.5846% | 1,450 |
| Loan and lease loss provision to assets | 0.1015% | 2,983 |
| Net operating income to assets | -0.1894% | 6,511 |
| Return on assets (ROA) | -0.1894% | 6,551 |
| Pretax return on assets | -0.1894% | 6,543 |
| Return on Equity (ROE) | -3.0393% | 6,615 |
| Retained earnings to average equity (ytd only) | -3.0393% | 6,197 |
| Net charge-offs to loans | -0.1707% | 6,644 |
| Credit loss provision to net charge-offs | -100.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5145% | 473 |
| Assets per employee ($millions) | 3.7594% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0123% | 285 |
| Loan loss allowance to noncurrent loans | 66.9896% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 7.1210% | 391 |
| Noncurrent loans to loans | 5.9894% | 556 |
| Net loans and leases to total assets | 55.3637% | 4,190 |
| Net loans and leases to deposits | 59.7321% | 4,826 |
| Net loans and leases to core deposits | 61.5263% | 4,997 |
| Total domestic deposits to total assets | 92.6868% | 155 |
| Equity capital to assets | 6.3093% | 6,807 |
| Core capital (leverage) ratio | 6.2098% | 6,778 |
| Tier 1 risk-based capital ratio | 9.5481% | 6,755 |
| Total risk-based capital ratio | 10.8263% | 6,736 |
| Memoranda: | ||
| Average total assets | $118,284,500 | 4,434 |
| Average earning assets | $102,300,500 | 4,558 |
| Average equity | $7,370,000 | 5,645 |
| Average total loans | $70,284,000 | 4,334 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 3,128 |
| Cost of funding earning assets | 0.7473% | 3,107 |
| Net interest margin | 3.8221% | 3,137 |
| Noninterest income to average assets | -1.0778% | 7,059 |
| Noninterest expense to average assets | 3.6927% | 1,429 |
| Loan and lease loss provision to assets | 2.1088% | 83 |
| Net operating income to assets | -3.6146% | 7,033 |
| Return on assets (ROA) | -3.5959% | 7,036 |
| Pretax return on assets | -3.5810% | 7,037 |
| Return on Equity (ROE) | -50.2225% | 7,021 |
| Retained earnings to average equity (ytd only) | -50.2225% | 7,015 |
| Net charge-offs to loans | 5.5207% | 25 |
| Credit loss provision to net charge-offs | 55.8775% | 4,551 |
| Earnings coverage of net charge-offs (x) | -0.3951% | 5,643 |
| Efficiency ratio | 167.7190% | 69 |
| Assets per employee ($millions) | 3.2440% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5951% | 394 |
| Loan loss allowance to noncurrent loans | 37.7469% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 9.6345% | 232 |
| Noncurrent loans to loans | 9.5243% | 262 |
| Net loans and leases to total assets | 58.9134% | 3,816 |
| Net loans and leases to deposits | 63.2566% | 4,631 |
| Net loans and leases to core deposits | 64.9324% | 4,846 |
| Total domestic deposits to total assets | 93.1340% | 116 |
| Equity capital to assets | 6.1544% | 6,878 |
| Core capital (leverage) ratio | 6.0567% | 6,853 |
| Tier 1 risk-based capital ratio | 8.9371% | 6,855 |
| Total risk-based capital ratio | 10.2109% | 6,855 |
| Memoranda: | ||
| Average total assets | $128,036,400 | 4,185 |
| Average earning assets | $109,861,800 | 4,341 |
| Average equity | $9,167,200 | 5,181 |
| Average total loans | $87,524,400 | 3,814 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 2,968 |
| Cost of funding earning assets | 0.7910% | 3,020 |
| Net interest margin | 3.8687% | 3,032 |
| Noninterest income to average assets | -1.3893% | 7,162 |
| Noninterest expense to average assets | 3.6870% | 1,383 |
| Loan and lease loss provision to assets | 2.4864% | 63 |
| Net operating income to assets | -4.2673% | 7,150 |
| Return on assets (ROA) | -4.2622% | 7,150 |
| Pretax return on assets | -4.2427% | 7,148 |
| Return on Equity (ROE) | -57.6611% | 7,134 |
| Retained earnings to average equity (ytd only) | -57.6611% | 7,130 |
| Net charge-offs to loans | 6.4551% | 21 |
| Credit loss provision to net charge-offs | 55.0011% | 4,279 |
| Earnings coverage of net charge-offs (x) | -0.3897% | 5,470 |
| Efficiency ratio | 191.4803% | 43 |
| Assets per employee ($millions) | 3.3197% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4625% | 480 |
| Loan loss allowance to noncurrent loans | 39.3417% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 10.2395% | 230 |
| Noncurrent loans to loans | 8.8010% | 326 |
| Net loans and leases to total assets | 63.2177% | 3,172 |
| Net loans and leases to deposits | 68.2065% | 4,149 |
| Net loans and leases to core deposits | 70.2706% | 4,475 |
| Total domestic deposits to total assets | 92.6857% | 139 |
| Equity capital to assets | 6.4554% | 6,945 |
| Core capital (leverage) ratio | 6.2529% | 6,921 |
| Tier 1 risk-based capital ratio | 8.8473% | 6,954 |
| Total risk-based capital ratio | 10.1211% | 6,954 |
| Memoranda: | ||
| Average total assets | $130,038,750 | 4,188 |
| Average earning assets | $111,421,000 | 4,352 |
| Average equity | $9,612,250 | 5,126 |
| Average total loans | $91,068,250 | 3,759 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 3,046 |
| Cost of funding earning assets | 0.8487% | 2,804 |
| Net interest margin | 3.8216% | 3,262 |
| Noninterest income to average assets | -2.2108% | 7,236 |
| Noninterest expense to average assets | 3.6469% | 1,475 |
| Loan and lease loss provision to assets | 3.2089% | 48 |
| Net operating income to assets | -5.8244% | 7,218 |
| Return on assets (ROA) | -5.8244% | 7,219 |
| Pretax return on assets | -5.7957% | 7,218 |
| Return on Equity (ROE) | -75.8257% | 7,195 |
| Retained earnings to average equity (ytd only) | -75.8257% | 7,190 |
| Net charge-offs to loans | 2.7227% | 236 |
| Credit loss provision to net charge-offs | 164.9845% | 1,689 |
| Earnings coverage of net charge-offs (x) | -1.3300% | 5,340 |
| Efficiency ratio | 344.0171% | 15 |
| Assets per employee ($millions) | 3.4568% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3082% | 70 |
| Loan loss allowance to noncurrent loans | 49.9287% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 13.1726% | 143 |
| Noncurrent loans to loans | 12.6343% | 152 |
| Net loans and leases to total assets | 65.0991% | 2,828 |
| Net loans and leases to deposits | 70.1268% | 3,871 |
| Net loans and leases to core deposits | 72.9417% | 4,174 |
| Total domestic deposits to total assets | 92.8304% | 136 |
| Equity capital to assets | 6.4260% | 6,993 |
| Core capital (leverage) ratio | 6.0889% | 6,978 |
| Tier 1 risk-based capital ratio | 8.5691% | 7,007 |
| Total risk-based capital ratio | 9.8769% | 7,007 |
| Memoranda: | ||
| Average total assets | $132,442,330 | 4,150 |
| Average earning assets | $113,355,000 | 4,324 |
| Average equity | $10,173,330 | 4,991 |
| Average total loans | $94,613,000 | 3,699 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7361% | 2,909 |
| Cost of funding earning assets | 0.9278% | 2,460 |
| Net interest margin | 3.8083% | 3,357 |
| Noninterest income to average assets | -1.9894% | 7,297 |
| Noninterest expense to average assets | 3.6196% | 1,524 |
| Loan and lease loss provision to assets | 3.1920% | 64 |
| Net operating income to assets | -5.6030% | 7,277 |
| Return on assets (ROA) | -5.6030% | 7,278 |
| Pretax return on assets | -5.5466% | 7,278 |
| Return on Equity (ROE) | -67.6920% | 7,251 |
| Retained earnings to average equity (ytd only) | -67.6920% | 7,244 |
| Net charge-offs to loans | 2.4332% | 345 |
| Credit loss provision to net charge-offs | 181.2816% | 1,429 |
| Earnings coverage of net charge-offs (x) | -1.3373% | 4,577 |
| Efficiency ratio | 286.1502% | 20 |
| Assets per employee ($millions) | 3.6847% | 4,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5089% | 115 |
| Loan loss allowance to noncurrent loans | 42.5699% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 14.1557% | 127 |
| Noncurrent loans to loans | 12.9409% | 166 |
| Net loans and leases to total assets | 66.0635% | 2,457 |
| Net loans and leases to deposits | 71.9402% | 3,442 |
| Net loans and leases to core deposits | 74.6620% | 3,805 |
| Total domestic deposits to total assets | 91.8311% | 303 |
| Equity capital to assets | 7.4897% | 6,782 |
| Core capital (leverage) ratio | 7.4830% | 6,643 |
| Tier 1 risk-based capital ratio | 9.8234% | 6,910 |
| Total risk-based capital ratio | 11.1217% | 6,906 |
| Memoranda: | ||
| Average total assets | $134,712,500 | 4,134 |
| Average earning assets | $115,115,500 | 4,309 |
| Average equity | $11,150,500 | 4,790 |
| Average total loans | $97,485,000 | 3,651 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4097% | 1,396 |
| Cost of funding earning assets | 1.1126% | 2,594 |
| Net interest margin | 4.2971% | 1,707 |
| Noninterest income to average assets | 0.7478% | 2,347 |
| Noninterest expense to average assets | 3.8789% | 1,213 |
| Loan and lease loss provision to assets | 1.6659% | 411 |
| Net operating income to assets | -2.1005% | 7,045 |
| Return on assets (ROA) | -2.0746% | 7,049 |
| Pretax return on assets | -1.1395% | 6,790 |
| Return on Equity (ROE) | -19.8929% | 6,984 |
| Retained earnings to average equity (ytd only) | -19.8929% | 6,968 |
| Net charge-offs to loans | 0.1780% | 4,727 |
| Credit loss provision to net charge-offs | 1,264.0449% | 169 |
| Earnings coverage of net charge-offs (x) | 3.7978% | 3,382 |
| Efficiency ratio | 88.5714% | 1,310 |
| Assets per employee ($millions) | 3.5024% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7857% | 203 |
| Loan loss allowance to noncurrent loans | 43.9742% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 14.0753% | 150 |
| Noncurrent loans to loans | 10.8829% | 269 |
| Net loans and leases to total assets | 71.2918% | 1,770 |
| Net loans and leases to deposits | 78.9409% | 2,687 |
| Net loans and leases to core deposits | 82.4797% | 3,112 |
| Total domestic deposits to total assets | 90.3104% | 807 |
| Equity capital to assets | 9.0840% | 5,440 |
| Core capital (leverage) ratio | 8.8664% | 4,999 |
| Tier 1 risk-based capital ratio | 11.1797% | 6,359 |
| Total risk-based capital ratio | 12.4696% | 6,312 |
| Memoranda: | ||
| Average total assets | $135,063,600 | 4,069 |
| Average earning assets | $114,147,000 | 4,280 |
| Average equity | $14,085,400 | 4,091 |
| Average total loans | $100,017,600 | 3,618 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4209% | 1,454 |
| Cost of funding earning assets | 1.1605% | 2,565 |
| Net interest margin | 4.2604% | 1,872 |
| Noninterest income to average assets | 0.7396% | 2,370 |
| Noninterest expense to average assets | 3.6550% | 1,589 |
| Loan and lease loss provision to assets | 2.0163% | 264 |
| Net operating income to assets | -0.8150% | 6,801 |
| Return on assets (ROA) | -0.7987% | 6,835 |
| Pretax return on assets | -1.3062% | 6,965 |
| Return on Equity (ROE) | -7.4234% | 6,786 |
| Retained earnings to average equity (ytd only) | -7.4234% | 6,728 |
| Net charge-offs to loans | 0.1412% | 4,656 |
| Credit loss provision to net charge-offs | 1,933.9623% | 138 |
| Earnings coverage of net charge-offs (x) | 6.5661% | 2,530 |
| Efficiency ratio | 84.2248% | 1,711 |
| Assets per employee ($millions) | 3.4312% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5799% | 246 |
| Loan loss allowance to noncurrent loans | 48.5918% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 12.7899% | 196 |
| Noncurrent loans to loans | 9.4253% | 395 |
| Net loans and leases to total assets | 72.2576% | 1,657 |
| Net loans and leases to deposits | 81.3969% | 2,466 |
| Net loans and leases to core deposits | 85.7489% | 2,811 |
| Total domestic deposits to total assets | 88.7720% | 1,564 |
| Equity capital to assets | 10.5562% | 3,634 |
| Core capital (leverage) ratio | 9.4772% | 4,180 |
| Tier 1 risk-based capital ratio | 11.6558% | 6,137 |
| Total risk-based capital ratio | 12.9455% | 6,105 |
| Memoranda: | ||
| Average total assets | $135,556,750 | 4,085 |
| Average earning assets | $114,541,500 | 4,295 |
| Average equity | $14,584,250 | 4,007 |
| Average total loans | $100,109,000 | 3,647 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4622% | 1,384 |
| Cost of funding earning assets | 1.2350% | 2,353 |
| Net interest margin | 4.2272% | 1,935 |
| Noninterest income to average assets | 0.7066% | 2,514 |
| Noninterest expense to average assets | 3.5979% | 1,748 |
| Loan and lease loss provision to assets | 1.8364% | 357 |
| Net operating income to assets | -0.6870% | 6,807 |
| Return on assets (ROA) | -0.6626% | 6,802 |
| Pretax return on assets | -1.1092% | 6,930 |
| Return on Equity (ROE) | -6.1206% | 6,787 |
| Retained earnings to average equity (ytd only) | -6.1206% | 6,664 |
| Net charge-offs to loans | 0.2026% | 3,934 |
| Credit loss provision to net charge-offs | 1,237.6238% | 276 |
| Earnings coverage of net charge-offs (x) | 4.6436% | 2,810 |
| Efficiency ratio | 83.9273% | 1,820 |
| Assets per employee ($millions) | 3.7329% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8746% | 449 |
| Loan loss allowance to noncurrent loans | 61.0670% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 10.1694% | 377 |
| Noncurrent loans to loans | 6.3448% | 900 |
| Net loans and leases to total assets | 71.0032% | 2,005 |
| Net loans and leases to deposits | 80.1204% | 2,769 |
| Net loans and leases to core deposits | 84.3734% | 3,151 |
| Total domestic deposits to total assets | 88.6207% | 1,772 |
| Equity capital to assets | 10.7557% | 3,220 |
| Core capital (leverage) ratio | 9.7731% | 3,562 |
| Tier 1 risk-based capital ratio | 12.3140% | 5,508 |
| Total risk-based capital ratio | 13.5933% | 5,462 |
| Memoranda: | ||
| Average total assets | $136,136,670 | 4,107 |
| Average earning assets | $115,301,330 | 4,296 |
| Average equity | $14,737,000 | 3,950 |
| Average total loans | $99,700,670 | 3,694 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5024% | 1,289 |
| Cost of funding earning assets | 1.3052% | 2,148 |
| Net interest margin | 4.1972% | 1,900 |
| Noninterest income to average assets | 0.5313% | 3,643 |
| Noninterest expense to average assets | 3.6610% | 1,627 |
| Loan and lease loss provision to assets | 0.4379% | 2,015 |
| Net operating income to assets | 0.0671% | 6,189 |
| Return on assets (ROA) | 0.0671% | 6,235 |
| Pretax return on assets | 0.0000% | 6,352 |
| Return on Equity (ROE) | 0.6183% | 6,243 |
| Retained earnings to average equity (ytd only) | 0.6183% | 5,584 |
| Net charge-offs to loans | 0.1241% | 3,781 |
| Credit loss provision to net charge-offs | 483.8710% | 737 |
| Earnings coverage of net charge-offs (x) | 4.8387% | 2,387 |
| Efficiency ratio | 89.3162% | 1,393 |
| Assets per employee ($millions) | 3.5996% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8313% | 1,081 |
| Loan loss allowance to noncurrent loans | 54.1643% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 9.2387% | 465 |
| Noncurrent loans to loans | 5.2273% | 1,269 |
| Net loans and leases to total assets | 70.6535% | 1,989 |
| Net loans and leases to deposits | 80.4780% | 2,616 |
| Net loans and leases to core deposits | 86.4790% | 2,807 |
| Total domestic deposits to total assets | 87.7923% | 2,491 |
| Equity capital to assets | 10.8815% | 2,797 |
| Core capital (leverage) ratio | 10.2363% | 2,884 |
| Tier 1 risk-based capital ratio | 12.8944% | 4,904 |
| Total risk-based capital ratio | 14.1615% | 4,873 |
| Memoranda: | ||
| Average total assets | $137,013,000 | 4,120 |
| Average earning assets | $116,459,000 | 4,290 |
| Average equity | $14,878,500 | 3,922 |
| Average total loans | $99,919,500 | 3,723 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8673% | 1,112 |
| Cost of funding earning assets | 1.7212% | 1,506 |
| Net interest margin | 4.1461% | 2,382 |
| Noninterest income to average assets | 0.5987% | 3,489 |
| Noninterest expense to average assets | 3.1937% | 3,117 |
| Loan and lease loss provision to assets | 0.6166% | 2,672 |
| Net operating income to assets | 0.3448% | 4,768 |
| Return on assets (ROA) | 0.3448% | 4,927 |
| Pretax return on assets | 0.4335% | 4,839 |
| Return on Equity (ROE) | 3.3982% | 4,796 |
| Retained earnings to average equity (ytd only) | 3.3982% | 3,491 |
| Net charge-offs to loans | 0.5332% | 3,482 |
| Credit loss provision to net charge-offs | 153.1624% | 2,330 |
| Earnings coverage of net charge-offs (x) | 2.6085% | 3,796 |
| Efficiency ratio | 75.2554% | 3,154 |
| Assets per employee ($millions) | 3.6117% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6868% | 1,189 |
| Loan loss allowance to noncurrent loans | 39.6909% | 5,656 |
| Noncurrent assets plus other real estate owned to assets | 8.8070% | 519 |
| Noncurrent loans to loans | 6.7692% | 851 |
| Net loans and leases to total assets | 71.1759% | 2,264 |
| Net loans and leases to deposits | 82.3698% | 2,734 |
| Net loans and leases to core deposits | 87.1579% | 3,162 |
| Total domestic deposits to total assets | 86.4102% | 3,131 |
| Equity capital to assets | 10.8370% | 2,826 |
| Core capital (leverage) ratio | 9.7981% | 3,318 |
| Tier 1 risk-based capital ratio | 12.8195% | 4,760 |
| Total risk-based capital ratio | 14.0851% | 4,706 |
| Memoranda: | ||
| Average total assets | $145,316,600 | 3,961 |
| Average earning assets | $127,759,200 | 4,071 |
| Average equity | $14,743,000 | 3,985 |
| Average total loans | $109,715,400 | 3,551 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0714% | 807 |
| Cost of funding earning assets | 1.7853% | 1,480 |
| Net interest margin | 4.2861% | 1,893 |
| Noninterest income to average assets | 0.5556% | 3,749 |
| Noninterest expense to average assets | 3.0506% | 3,569 |
| Loan and lease loss provision to assets | 0.6751% | 2,269 |
| Net operating income to assets | 0.4570% | 4,506 |
| Return on assets (ROA) | 0.4570% | 4,692 |
| Pretax return on assets | 0.6190% | 4,534 |
| Return on Equity (ROE) | 4.5771% | 4,515 |
| Retained earnings to average equity (ytd only) | 4.5771% | 3,288 |
| Net charge-offs to loans | 0.4177% | 3,617 |
| Credit loss provision to net charge-offs | 212.5356% | 1,651 |
| Earnings coverage of net charge-offs (x) | 4.0741% | 3,196 |
| Efficiency ratio | 70.2145% | 4,019 |
| Assets per employee ($millions) | 3.7827% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6107% | 1,193 |
| Loan loss allowance to noncurrent loans | 78.3822% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 5.1773% | 1,221 |
| Noncurrent loans to loans | 3.3307% | 2,385 |
| Net loans and leases to total assets | 72.1731% | 2,217 |
| Net loans and leases to deposits | 88.0349% | 2,006 |
| Net loans and leases to core deposits | 94.4776% | 2,462 |
| Total domestic deposits to total assets | 81.9823% | 5,001 |
| Equity capital to assets | 10.4284% | 3,603 |
| Core capital (leverage) ratio | 9.7895% | 3,503 |
| Tier 1 risk-based capital ratio | 12.8609% | 4,682 |
| Total risk-based capital ratio | 14.1262% | 4,660 |
| Memoranda: | ||
| Average total assets | $147,335,000 | 3,974 |
| Average earning assets | $130,247,750 | 4,060 |
| Average equity | $14,710,500 | 4,051 |
| Average total loans | $112,049,000 | 3,552 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1597% | 672 |
| Cost of funding earning assets | 1.8564% | 1,399 |
| Net interest margin | 4.3033% | 1,764 |
| Noninterest income to average assets | 0.6288% | 3,139 |
| Noninterest expense to average assets | 2.9475% | 3,903 |
| Loan and lease loss provision to assets | 0.8025% | 1,797 |
| Net operating income to assets | 0.5103% | 4,276 |
| Return on assets (ROA) | 0.5103% | 4,427 |
| Pretax return on assets | 0.6961% | 4,252 |
| Return on Equity (ROE) | 5.1856% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.1856% | 2,793 |
| Net charge-offs to loans | 0.5040% | 3,018 |
| Credit loss provision to net charge-offs | 207.6655% | 1,870 |
| Earnings coverage of net charge-offs (x) | 3.8780% | 3,144 |
| Efficiency ratio | 66.2932% | 4,931 |
| Assets per employee ($millions) | 3.9478% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4732% | 1,333 |
| Loan loss allowance to noncurrent loans | 457.5552% | 700 |
| Noncurrent assets plus other real estate owned to assets | 1.6651% | 3,938 |
| Noncurrent loans to loans | 0.5405% | 6,171 |
| Net loans and leases to total assets | 70.8408% | 2,703 |
| Net loans and leases to deposits | 86.8834% | 2,360 |
| Net loans and leases to core deposits | 93.3301% | 2,810 |
| Total domestic deposits to total assets | 81.5355% | 5,183 |
| Equity capital to assets | 9.9001% | 4,138 |
| Core capital (leverage) ratio | 9.4963% | 3,826 |
| Tier 1 risk-based capital ratio | 12.5701% | 4,795 |
| Total risk-based capital ratio | 13.8344% | 4,759 |
| Memoranda: | ||
| Average total assets | $148,532,670 | 3,980 |
| Average earning assets | $131,759,000 | 4,061 |
| Average equity | $14,617,330 | 4,071 |
| Average total loans | $113,890,670 | 3,537 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5235% | 343 |
| Cost of funding earning assets | 1.9262% | 1,338 |
| Net interest margin | 4.5973% | 956 |
| Noninterest income to average assets | 0.6144% | 3,172 |
| Noninterest expense to average assets | 3.1775% | 2,946 |
| Loan and lease loss provision to assets | 1.0826% | 1,137 |
| Net operating income to assets | 0.3600% | 5,019 |
| Return on assets (ROA) | 0.3600% | 5,148 |
| Pretax return on assets | 0.4303% | 5,192 |
| Return on Equity (ROE) | 3.6690% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.6690% | 3,952 |
| Net charge-offs to loans | 0.3679% | 2,939 |
| Credit loss provision to net charge-offs | 373.8318% | 1,092 |
| Earnings coverage of net charge-offs (x) | 5.2243% | 2,439 |
| Efficiency ratio | 67.7438% | 4,774 |
| Assets per employee ($millions) | 3.9093% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3729% | 1,457 |
| Loan loss allowance to noncurrent loans | 91.5197% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 3.0474% | 2,342 |
| Noncurrent loans to loans | 2.5927% | 3,079 |
| Net loans and leases to total assets | 74.7240% | 1,803 |
| Net loans and leases to deposits | 94.0385% | 1,344 |
| Net loans and leases to core deposits | 101.8563% | 1,926 |
| Total domestic deposits to total assets | 79.4611% | 5,970 |
| Equity capital to assets | 9.8020% | 4,105 |
| Core capital (leverage) ratio | 9.3706% | 3,947 |
| Tier 1 risk-based capital ratio | 11.7898% | 5,406 |
| Total risk-based capital ratio | 13.0538% | 5,335 |
| Memoranda: | ||
| Average total assets | $147,790,000 | 4,044 |
| Average earning assets | $131,034,500 | 4,133 |
| Average equity | $14,500,000 | 4,124 |
| Average total loans | $116,351,500 | 3,533 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3550% | 923 |
| Cost of funding earning assets | 2.7220% | 554 |
| Net interest margin | 3.6330% | 4,413 |
| Noninterest income to average assets | 0.7350% | 2,763 |
| Noninterest expense to average assets | 3.1172% | 3,667 |
| Loan and lease loss provision to assets | 0.3206% | 4,894 |
| Net operating income to assets | 0.3777% | 4,219 |
| Return on assets (ROA) | 0.4810% | 3,905 |
| Pretax return on assets | 0.6781% | 3,650 |
| Return on Equity (ROE) | 5.2628% | 3,552 |
| Retained earnings to average equity (ytd only) | 5.2628% | 1,695 |
| Net charge-offs to loans | 0.6607% | 3,204 |
| Credit loss provision to net charge-offs | 63.1847% | 6,593 |
| Earnings coverage of net charge-offs (x) | 1.6815% | 4,476 |
| Efficiency ratio | 78.5086% | 3,118 |
| Assets per employee ($millions) | 3.8692% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0050% | 2,011 |
| Loan loss allowance to noncurrent loans | 124.4004% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 2.3376% | 2,961 |
| Noncurrent loans to loans | 1.6118% | 4,238 |
| Net loans and leases to total assets | 79.3148% | 1,131 |
| Net loans and leases to deposits | 100.8065% | 841 |
| Net loans and leases to core deposits | 123.8938% | 1,644 |
| Total domestic deposits to total assets | 78.6803% | 6,072 |
| Equity capital to assets | 9.8206% | 3,984 |
| Core capital (leverage) ratio | 8.6995% | 4,923 |
| Tier 1 risk-based capital ratio | 10.8381% | 6,079 |
| Total risk-based capital ratio | 12.0979% | 6,038 |
| Memoranda: | ||
| Average total assets | $154,689,400 | 3,884 |
| Average earning assets | $137,766,000 | 3,945 |
| Average equity | $14,137,000 | 4,222 |
| Average total loans | $118,807,600 | 3,506 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3658% | 993 |
| Cost of funding earning assets | 2.8602% | 516 |
| Net interest margin | 3.5056% | 4,841 |
| Noninterest income to average assets | 0.7867% | 2,502 |
| Noninterest expense to average assets | 3.1016% | 3,644 |
| Loan and lease loss provision to assets | 0.2341% | 5,104 |
| Net operating income to assets | 0.4030% | 4,390 |
| Return on assets (ROA) | 0.4972% | 4,093 |
| Pretax return on assets | 0.7118% | 3,814 |
| Return on Equity (ROE) | 5.5375% | 3,715 |
| Retained earnings to average equity (ytd only) | 5.5375% | 2,183 |
| Net charge-offs to loans | 0.4884% | 3,271 |
| Credit loss provision to net charge-offs | 63.2184% | 6,118 |
| Earnings coverage of net charge-offs (x) | 2.1908% | 4,180 |
| Efficiency ratio | 79.2646% | 2,957 |
| Assets per employee ($millions) | 4.2225% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1161% | 1,570 |
| Loan loss allowance to noncurrent loans | 103.7205% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 2.6332% | 2,642 |
| Noncurrent loans to loans | 2.0402% | 3,578 |
| Net loans and leases to total assets | 74.2854% | 2,446 |
| Net loans and leases to deposits | 93.1101% | 2,042 |
| Net loans and leases to core deposits | 117.8779% | 2,429 |
| Total domestic deposits to total assets | 79.7822% | 5,525 |
| Equity capital to assets | 9.2144% | 5,143 |
| Core capital (leverage) ratio | 8.4773% | 5,535 |
| Tier 1 risk-based capital ratio | 10.5238% | 6,441 |
| Total risk-based capital ratio | 11.7848% | 6,393 |
| Memoranda: | ||
| Average total assets | $156,604,750 | 3,862 |
| Average earning assets | $139,659,000 | 3,934 |
| Average equity | $14,061,500 | 4,282 |
| Average total loans | $118,759,250 | 3,541 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4125% | 980 |
| Cost of funding earning assets | 2.9978% | 480 |
| Net interest margin | 3.4148% | 5,113 |
| Noninterest income to average assets | 0.8167% | 2,327 |
| Noninterest expense to average assets | 3.1443% | 3,524 |
| Loan and lease loss provision to assets | 0.2552% | 4,533 |
| Net operating income to assets | 0.3330% | 4,750 |
| Return on assets (ROA) | 0.4454% | 4,418 |
| Pretax return on assets | 0.6266% | 4,245 |
| Return on Equity (ROE) | 5.0036% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.0036% | 2,502 |
| Net charge-offs to loans | 0.6935% | 2,316 |
| Credit loss provision to net charge-offs | 48.5437% | 5,788 |
| Earnings coverage of net charge-offs (x) | 1.3762% | 4,496 |
| Efficiency ratio | 81.2933% | 2,843 |
| Assets per employee ($millions) | 4.1640% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0855% | 1,423 |
| Loan loss allowance to noncurrent loans | 337.5342% | 936 |
| Noncurrent assets plus other real estate owned to assets | 2.4255% | 2,663 |
| Noncurrent loans to loans | 0.6179% | 6,018 |
| Net loans and leases to total assets | 75.0878% | 2,419 |
| Net loans and leases to deposits | 94.9538% | 1,962 |
| Net loans and leases to core deposits | 122.4590% | 2,161 |
| Total domestic deposits to total assets | 79.0782% | 5,790 |
| Equity capital to assets | 9.1810% | 5,046 |
| Core capital (leverage) ratio | 8.1471% | 6,084 |
| Tier 1 risk-based capital ratio | 9.9625% | 6,972 |
| Total risk-based capital ratio | 11.2217% | 6,888 |
| Memoranda: | ||
| Average total assets | $156,728,330 | 3,882 |
| Average earning assets | $140,038,330 | 3,947 |
| Average equity | $13,950,000 | 4,316 |
| Average total loans | $118,823,000 | 3,563 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3266% | 1,224 |
| Cost of funding earning assets | 3.1464% | 400 |
| Net interest margin | 3.1802% | 5,925 |
| Noninterest income to average assets | 0.8706% | 1,985 |
| Noninterest expense to average assets | 3.1305% | 3,267 |
| Loan and lease loss provision to assets | 0.1898% | 4,545 |
| Net operating income to assets | 0.2743% | 5,391 |
| Return on assets (ROA) | 0.4100% | 4,998 |
| Pretax return on assets | 0.6074% | 4,734 |
| Return on Equity (ROE) | 4.6779% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.6779% | 3,319 |
| Net charge-offs to loans | 0.2182% | 3,332 |
| Credit loss provision to net charge-offs | 115.3846% | 3,375 |
| Earnings coverage of net charge-offs (x) | 3.6154% | 3,118 |
| Efficiency ratio | 84.0353% | 2,304 |
| Assets per employee ($millions) | 4.1178% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2326% | 1,044 |
| Loan loss allowance to noncurrent loans | 207.3988% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 1.9988% | 2,907 |
| Noncurrent loans to loans | 1.0765% | 4,827 |
| Net loans and leases to total assets | 72.6152% | 3,090 |
| Net loans and leases to deposits | 90.1414% | 2,906 |
| Net loans and leases to core deposits | 113.9219% | 3,015 |
| Total domestic deposits to total assets | 80.5571% | 5,149 |
| Equity capital to assets | 8.7140% | 5,748 |
| Core capital (leverage) ratio | 7.7531% | 6,819 |
| Tier 1 risk-based capital ratio | 9.5134% | 7,415 |
| Total risk-based capital ratio | 10.7737% | 7,353 |
| Memoranda: | ||
| Average total assets | $158,058,000 | 3,865 |
| Average earning assets | $141,876,500 | 3,917 |
| Average equity | $13,852,500 | 4,370 |
| Average total loans | $119,159,000 | 3,578 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7240% | 1,943 |
| Cost of funding earning assets | 3.6163% | 362 |
| Net interest margin | 3.1077% | 6,632 |
| Noninterest income to average assets | 0.4939% | 4,654 |
| Noninterest expense to average assets | 3.2337% | 3,214 |
| Loan and lease loss provision to assets | 1.9232% | 648 |
| Net operating income to assets | -1.1639% | 7,328 |
| Return on assets (ROA) | -1.0991% | 7,228 |
| Pretax return on assets | -1.7672% | 7,362 |
| Return on Equity (ROE) | -11.6977% | 7,407 |
| Retained earnings to average equity (ytd only) | -11.6977% | 7,226 |
| Net charge-offs to loans | 1.4672% | 791 |
| Credit loss provision to net charge-offs | 174.5860% | 2,915 |
| Earnings coverage of net charge-offs (x) | 0.0497% | 6,221 |
| Efficiency ratio | 98.3356% | 1,049 |
| Assets per employee ($millions) | 3.7932% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2471% | 904 |
| Loan loss allowance to noncurrent loans | 70.8422% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 3.3108% | 1,362 |
| Noncurrent loans to loans | 3.1720% | 1,665 |
| Net loans and leases to total assets | 74.8217% | 2,917 |
| Net loans and leases to deposits | 95.6619% | 2,499 |
| Net loans and leases to core deposits | 121.3488% | 2,570 |
| Total domestic deposits to total assets | 78.2148% | 5,641 |
| Equity capital to assets | 8.8161% | 5,625 |
| Core capital (leverage) ratio | 7.8660% | 6,707 |
| Tier 1 risk-based capital ratio | 9.5389% | 7,264 |
| Total risk-based capital ratio | 10.8005% | 7,168 |
| Memoranda: | ||
| Average total assets | $158,950,000 | 3,737 |
| Average earning assets | $142,936,400 | 3,786 |
| Average equity | $14,934,600 | 4,154 |
| Average total loans | $119,340,400 | 3,477 |