Home > North Alabama Bank > Performance and Condition Ratios
North Alabama Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7366% | 281 |
| Cost of funding earning assets | 1.4961% | 1,950 |
| Net interest margin | 5.2405% | 253 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 3.2373% | 792 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.3905% | 1,229 |
| Return on assets (ROA) | 1.3905% | 1,203 |
| Pretax return on assets | 1.8573% | 816 |
| Return on Equity (ROE) | 14.8300% | 1,317 |
| Retained earnings to average equity (ytd only) | 9.6572% | 1,102 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.5178% | 3,018 |
| Assets per employee ($millions) | 4.1245% | 4,114 |
| Cash dividends to net income (ytd only)* | 34.9023% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 2,980 |
| Loan loss allowance to noncurrent loans | 2,384.7458% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 3,409 |
| Noncurrent loans to loans | 0.0449% | 3,398 |
| Net loans and leases to total assets | 75.1100% | 1,227 |
| Net loans and leases to deposits | 83.5904% | 1,812 |
| Net loans and leases to core deposits | 96.3456% | 1,638 |
| Total domestic deposits to total assets | 89.8500% | 800 |
| Equity capital to assets | 9.2605% | 2,506 |
| Core capital (leverage) ratio | 9.6619% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $161,953,600 | 3,262 |
| Average earning assets | $146,111,800 | 3,285 |
| Average equity | $15,180,400 | 3,251 |
| Average total loans | $123,085,800 | 2,923 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6083% | 278 |
| Cost of funding earning assets | 1.3352% | 2,044 |
| Net interest margin | 5.2730% | 229 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 3.3882% | 634 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.3431% | 1,437 |
| Return on assets (ROA) | 1.3431% | 1,423 |
| Pretax return on assets | 1.8173% | 988 |
| Return on Equity (ROE) | 14.2800% | 1,584 |
| Retained earnings to average equity (ytd only) | 10.9764% | 1,161 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.9278% | 2,621 |
| Assets per employee ($millions) | 3.9812% | 4,177 |
| Cash dividends to net income (ytd only)* | 23.1441% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,215 |
| 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 | 77.8300% | 903 |
| Net loans and leases to deposits | 86.7605% | 1,486 |
| Net loans and leases to core deposits | 100.7682% | 1,281 |
| Total domestic deposits to total assets | 89.7000% | 1,020 |
| Equity capital to assets | 9.2320% | 2,269 |
| Core capital (leverage) ratio | 9.7004% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $159,134,250 | 3,296 |
| Average earning assets | $143,392,500 | 3,316 |
| Average equity | $14,965,000 | 3,261 |
| Average total loans | $120,979,000 | 2,945 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3720% | 293 |
| Cost of funding earning assets | 1.1437% | 2,150 |
| Net interest margin | 5.2283% | 232 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 3.3878% | 609 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.2554% | 1,684 |
| Return on assets (ROA) | 1.2554% | 1,673 |
| Pretax return on assets | 1.6888% | 1,237 |
| Return on Equity (ROE) | 13.2600% | 1,847 |
| Retained earnings to average equity (ytd only) | 8.6847% | 1,770 |
| Net charge-offs to loans | 0.0034% | 2,194 |
| Credit loss provision to net charge-offs | 2,500.0000% | 218 |
| Earnings coverage of net charge-offs (x) | 695.5000% | 215 |
| Efficiency ratio | 63.4744% | 2,545 |
| Assets per employee ($millions) | 3.8434% | 4,244 |
| Cash dividends to net income (ytd only)* | 34.5214% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 2,720 |
| 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 | 75.2300% | 1,131 |
| Net loans and leases to deposits | 83.8690% | 1,678 |
| Net loans and leases to core deposits | 98.5883% | 1,313 |
| Total domestic deposits to total assets | 89.7000% | 1,012 |
| Equity capital to assets | 9.4076% | 2,229 |
| Core capital (leverage) ratio | 9.8830% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $156,442,000 | 3,333 |
| Average earning assets | $140,771,667 | 3,358 |
| Average equity | $14,807,667 | 3,292 |
| Average total loans | $117,477,333 | 2,978 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4429% | 193 |
| Cost of funding earning assets | 0.9361% | 2,254 |
| Net interest margin | 5.5068% | 148 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 3.4712% | 559 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.3303% | 1,588 |
| Return on assets (ROA) | 1.3303% | 1,561 |
| Pretax return on assets | 1.8136% | 1,048 |
| Return on Equity (ROE) | 14.0100% | 1,767 |
| Retained earnings to average equity (ytd only) | 5.3904% | 2,926 |
| Net charge-offs to loans | 0.0105% | 1,546 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 247.6667% | 432 |
| Efficiency ratio | 62.1934% | 2,660 |
| Assets per employee ($millions) | 3.9065% | 4,292 |
| Cash dividends to net income (ytd only)* | 61.5234% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,363 |
| 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 | 71.8500% | 1,439 |
| Net loans and leases to deposits | 80.1122% | 1,809 |
| Net loans and leases to core deposits | 90.8351% | 1,574 |
| Total domestic deposits to total assets | 89.6900% | 1,267 |
| Equity capital to assets | 9.4318% | 2,198 |
| Core capital (leverage) ratio | 9.8113% | 2,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $153,951,500 | 3,391 |
| Average earning assets | $138,447,000 | 3,427 |
| Average equity | $14,618,500 | 3,342 |
| Average total loans | $114,789,000 | 3,037 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3009% | 190 |
| Cost of funding earning assets | 0.3293% | 2,641 |
| Net interest margin | 4.9716% | 144 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 3.3752% | 562 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.1544% | 1,950 |
| Return on assets (ROA) | 1.1611% | 1,865 |
| Pretax return on assets | 1.5466% | 1,303 |
| Return on Equity (ROE) | 12.2600% | 2,053 |
| Retained earnings to average equity (ytd only) | 7.2730% | 2,112 |
| Net charge-offs to loans | -0.0127% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.8261% | 2,385 |
| Assets per employee ($millions) | 3.6987% | 4,383 |
| Cash dividends to net income (ytd only)* | 40.6550% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 2,316 |
| Loan loss allowance to noncurrent loans | 2,875.5102% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 3,483 |
| Noncurrent loans to loans | 0.0423% | 3,460 |
| Net loans and leases to total assets | 75.5000% | 1,062 |
| Net loans and leases to deposits | 83.9980% | 1,477 |
| Net loans and leases to core deposits | 91.0038% | 1,456 |
| Total domestic deposits to total assets | 89.8800% | 1,422 |
| Equity capital to assets | 9.5611% | 1,963 |
| Core capital (leverage) ratio | 9.6436% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $152,524,000 | 3,416 |
| Average earning assets | $136,938,600 | 3,451 |
| Average equity | $14,450,800 | 3,416 |
| Average total loans | $101,972,800 | 3,125 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0465% | 199 |
| Cost of funding earning assets | 0.3208% | 1,955 |
| Net interest margin | 4.7257% | 163 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 3.3607% | 546 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.0379% | 2,330 |
| Return on assets (ROA) | 1.0379% | 2,299 |
| Pretax return on assets | 1.3888% | 1,746 |
| Return on Equity (ROE) | 10.9800% | 2,387 |
| Retained earnings to average equity (ytd only) | 7.1011% | 2,329 |
| Net charge-offs to loans | -0.0230% | 4,038 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.2934% | 2,119 |
| Assets per employee ($millions) | 3.8428% | 4,382 |
| Cash dividends to net income (ytd only)* | 35.3238% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,629 |
| Loan loss allowance to noncurrent loans | 1,781.0811% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 3,417 |
| Noncurrent loans to loans | 0.0663% | 3,403 |
| Net loans and leases to total assets | 71.7000% | 1,321 |
| Net loans and leases to deposits | 79.5087% | 1,605 |
| Net loans and leases to core deposits | 85.5826% | 1,550 |
| Total domestic deposits to total assets | 90.1800% | 1,579 |
| Equity capital to assets | 9.1567% | 2,114 |
| Core capital (leverage) ratio | 9.4551% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $152,743,750 | 3,442 |
| Average earning assets | $137,146,500 | 3,474 |
| Average equity | $14,438,750 | 3,469 |
| Average total loans | $98,491,000 | 3,179 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8627% | 206 |
| Cost of funding earning assets | 0.3299% | 1,441 |
| Net interest margin | 4.5328% | 185 |
| Noninterest income to average assets | 0.6351% | 1,597 |
| Noninterest expense to average assets | 3.3053% | 545 |
| Loan and lease loss provision to assets | 0.0787% | 1,234 |
| Net operating income to assets | 0.9881% | 2,202 |
| Return on assets (ROA) | 0.9881% | 2,173 |
| Pretax return on assets | 1.3253% | 1,658 |
| Return on Equity (ROE) | 10.3434% | 2,205 |
| Retained earnings to average equity (ytd only) | 4.9588% | 2,723 |
| Net charge-offs to loans | -0.0276% | 4,012 |
| Credit loss provision to net charge-offs | -461.5385% | 3,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8183% | 2,269 |
| Assets per employee ($millions) | 3.7083% | 4,487 |
| Cash dividends to net income (ytd only)* | 52.0584% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 2,145 |
| Loan loss allowance to noncurrent loans | 1,410.9890% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,382 |
| Noncurrent loans to loans | 0.0929% | 3,307 |
| Net loans and leases to total assets | 63.6122% | 1,950 |
| Net loans and leases to deposits | 70.7278% | 2,139 |
| Net loans and leases to core deposits | 76.6924% | 1,957 |
| Total domestic deposits to total assets | 89.9395% | 1,735 |
| Equity capital to assets | 9.3508% | 2,129 |
| Core capital (leverage) ratio | 9.2407% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,420,667 | 3,475 |
| Average earning assets | $137,002,333 | 3,523 |
| Average equity | $14,560,000 | 3,540 |
| Average total loans | $94,143,667 | 3,274 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8247% | 190 |
| Cost of funding earning assets | 0.3440% | 1,254 |
| Net interest margin | 4.4807% | 177 |
| Noninterest income to average assets | 0.6212% | 1,602 |
| Noninterest expense to average assets | 3.2947% | 533 |
| Loan and lease loss provision to assets | 0.0786% | 1,045 |
| Net operating income to assets | 0.9541% | 2,060 |
| Return on assets (ROA) | 0.9541% | 2,055 |
| Pretax return on assets | 1.2764% | 1,578 |
| Return on Equity (ROE) | 9.8836% | 2,003 |
| Retained earnings to average equity (ytd only) | -0.7603% | 4,118 |
| Net charge-offs to loans | 0.0130% | 1,294 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 172.3333% | 478 |
| Efficiency ratio | 68.4329% | 2,452 |
| Assets per employee ($millions) | 3.9598% | 4,419 |
| Cash dividends to net income (ytd only)* | 107.6923% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 2,224 |
| Loan loss allowance to noncurrent loans | 24,760.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,072 |
| Noncurrent loans to loans | 0.0054% | 3,998 |
| Net loans and leases to total assets | 59.5453% | 2,110 |
| Net loans and leases to deposits | 66.2147% | 2,317 |
| Net loans and leases to core deposits | 72.3729% | 2,080 |
| Total domestic deposits to total assets | 89.9276% | 1,607 |
| Equity capital to assets | 9.2688% | 2,474 |
| Core capital (leverage) ratio | 8.8854% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,611,000 | 3,488 |
| Average earning assets | $137,212,000 | 3,533 |
| Average equity | $14,731,500 | 3,587 |
| Average total loans | $92,215,500 | 3,297 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1585% | 205 |
| Cost of funding earning assets | 0.4228% | 1,373 |
| Net interest margin | 4.7356% | 196 |
| Noninterest income to average assets | 0.4360% | 2,877 |
| Noninterest expense to average assets | 3.3139% | 615 |
| Loan and lease loss provision to assets | 0.0560% | 1,927 |
| Net operating income to assets | 0.9769% | 2,767 |
| Return on assets (ROA) | 0.9763% | 2,836 |
| Pretax return on assets | 1.3059% | 2,340 |
| Return on Equity (ROE) | 9.4587% | 2,732 |
| Retained earnings to average equity (ytd only) | 5.1395% | 2,731 |
| Net charge-offs to loans | -0.1287% | 4,637 |
| Credit loss provision to net charge-offs | -72.0721% | 3,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3179% | 1,937 |
| Assets per employee ($millions) | 3.7698% | 4,507 |
| Cash dividends to net income (ytd only)* | 45.6631% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 2,244 |
| Loan loss allowance to noncurrent loans | 2,018.3333% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,727 |
| Noncurrent loans to loans | 0.0658% | 3,615 |
| Net loans and leases to total assets | 59.7022% | 2,186 |
| Net loans and leases to deposits | 67.0912% | 2,396 |
| Net loans and leases to core deposits | 73.2417% | 2,138 |
| Total domestic deposits to total assets | 88.9867% | 1,522 |
| Equity capital to assets | 10.0464% | 2,616 |
| Core capital (leverage) ratio | 8.9942% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,885,000 | 3,556 |
| Average earning assets | $127,944,800 | 3,599 |
| Average equity | $14,748,400 | 3,664 |
| Average total loans | $86,256,600 | 3,389 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2160% | 219 |
| Cost of funding earning assets | 0.4400% | 1,419 |
| Net interest margin | 4.7760% | 201 |
| Noninterest income to average assets | 0.4267% | 2,948 |
| Noninterest expense to average assets | 3.3714% | 556 |
| Loan and lease loss provision to assets | 0.0192% | 2,622 |
| Net operating income to assets | 0.9545% | 3,064 |
| Return on assets (ROA) | 0.9538% | 3,150 |
| Pretax return on assets | 1.3077% | 2,606 |
| Return on Equity (ROE) | 9.1749% | 3,052 |
| Retained earnings to average equity (ytd only) | 5.9346% | 2,850 |
| Net charge-offs to loans | -0.1725% | 4,750 |
| Credit loss provision to net charge-offs | -18.1818% | 3,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1704% | 1,689 |
| Assets per employee ($millions) | 3.8215% | 4,536 |
| Cash dividends to net income (ytd only)* | 35.3175% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 2,423 |
| Loan loss allowance to noncurrent loans | 1,949.1525% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 3,891 |
| Noncurrent loans to loans | 0.0674% | 3,758 |
| Net loans and leases to total assets | 57.9863% | 2,498 |
| Net loans and leases to deposits | 65.3566% | 2,693 |
| Net loans and leases to core deposits | 71.9408% | 2,430 |
| Total domestic deposits to total assets | 88.7229% | 1,446 |
| Equity capital to assets | 10.0975% | 2,807 |
| Core capital (leverage) ratio | 9.3366% | 3,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,908,750 | 3,620 |
| Average earning assets | $126,045,000 | 3,648 |
| Average equity | $14,648,250 | 3,721 |
| Average total loans | $85,011,750 | 3,451 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1254% | 287 |
| Cost of funding earning assets | 0.4677% | 1,400 |
| Net interest margin | 4.6577% | 286 |
| Noninterest income to average assets | 0.4255% | 2,975 |
| Noninterest expense to average assets | 3.3994% | 533 |
| Loan and lease loss provision to assets | 0.0289% | 2,401 |
| Net operating income to assets | 0.8608% | 3,333 |
| Return on assets (ROA) | 0.8596% | 3,413 |
| Pretax return on assets | 1.1606% | 3,024 |
| Return on Equity (ROE) | 8.1848% | 3,357 |
| Retained earnings to average equity (ytd only) | 3.5412% | 3,673 |
| Net charge-offs to loans | -0.1402% | 4,713 |
| Credit loss provision to net charge-offs | -33.8983% | 2,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3745% | 1,489 |
| Assets per employee ($millions) | 3.6502% | 4,617 |
| Cash dividends to net income (ytd only)* | 56.7340% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,656 |
| Loan loss allowance to noncurrent loans | 1,801.6393% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 3,968 |
| Noncurrent loans to loans | 0.0697% | 3,840 |
| Net loans and leases to total assets | 60.6648% | 2,341 |
| Net loans and leases to deposits | 68.5196% | 2,567 |
| Net loans and leases to core deposits | 76.0305% | 2,234 |
| Total domestic deposits to total assets | 88.5365% | 1,547 |
| Equity capital to assets | 10.3122% | 2,565 |
| Core capital (leverage) ratio | 9.2816% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,199,333 | 3,653 |
| Average earning assets | $123,581,000 | 3,694 |
| Average equity | $14,514,667 | 3,738 |
| Average total loans | $84,158,667 | 3,476 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1781% | 281 |
| Cost of funding earning assets | 0.5021% | 1,384 |
| Net interest margin | 4.6760% | 273 |
| Noninterest income to average assets | 0.4173% | 3,000 |
| Noninterest expense to average assets | 3.3118% | 594 |
| Loan and lease loss provision to assets | 0.0294% | 2,398 |
| Net operating income to assets | 0.9345% | 3,032 |
| Return on assets (ROA) | 0.9345% | 3,107 |
| Pretax return on assets | 1.2636% | 2,669 |
| Return on Equity (ROE) | 8.8137% | 3,099 |
| Retained earnings to average equity (ytd only) | 0.4989% | 4,304 |
| Net charge-offs to loans | -0.0921% | 4,609 |
| Credit loss provision to net charge-offs | -52.6316% | 2,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1768% | 1,794 |
| Assets per employee ($millions) | 3.5709% | 4,665 |
| Cash dividends to net income (ytd only)* | 94.3396% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 2,504 |
| Loan loss allowance to noncurrent loans | 1,665.0794% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 4,050 |
| Noncurrent loans to loans | 0.0772% | 3,908 |
| Net loans and leases to total assets | 57.8816% | 2,814 |
| Net loans and leases to deposits | 65.4084% | 2,987 |
| Net loans and leases to core deposits | 72.7829% | 2,634 |
| Total domestic deposits to total assets | 88.4926% | 1,609 |
| Equity capital to assets | 10.3420% | 2,403 |
| Core capital (leverage) ratio | 9.3657% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,121,000 | 3,681 |
| Average earning assets | $121,898,000 | 3,720 |
| Average equity | $14,432,000 | 3,752 |
| Average total loans | $82,508,500 | 3,517 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7756% | 120 |
| Cost of funding earning assets | 0.8047% | 1,188 |
| Net interest margin | 4.9709% | 128 |
| Noninterest income to average assets | 0.3760% | 3,234 |
| Noninterest expense to average assets | 3.3126% | 892 |
| Loan and lease loss provision to assets | 0.1745% | 2,205 |
| Net operating income to assets | 0.9883% | 2,339 |
| Return on assets (ROA) | 1.1970% | 1,668 |
| Pretax return on assets | 1.5976% | 1,080 |
| Return on Equity (ROE) | 10.7915% | 1,705 |
| Retained earnings to average equity (ytd only) | 8.9250% | 788 |
| Net charge-offs to loans | -0.0327% | 4,562 |
| Credit loss provision to net charge-offs | -785.7143% | 4,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9207% | 2,549 |
| Assets per employee ($millions) | 3.4993% | 4,651 |
| Cash dividends to net income (ytd only)* | 17.2962% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,823 |
| Loan loss allowance to noncurrent loans | 265.6250% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 2,847 |
| Noncurrent loans to loans | 0.4607% | 2,587 |
| Net loans and leases to total assets | 61.9199% | 2,624 |
| Net loans and leases to deposits | 70.3942% | 2,833 |
| Net loans and leases to core deposits | 78.7652% | 2,480 |
| Total domestic deposits to total assets | 87.9616% | 1,490 |
| Equity capital to assets | 10.8750% | 2,367 |
| Core capital (leverage) ratio | 9.4595% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,062,400 | 3,675 |
| Average earning assets | $112,716,000 | 3,725 |
| Average equity | $13,983,200 | 3,760 |
| Average total loans | $85,742,200 | 3,471 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7956% | 141 |
| Cost of funding earning assets | 0.8601% | 1,213 |
| Net interest margin | 4.9355% | 155 |
| Noninterest income to average assets | 0.3796% | 3,187 |
| Noninterest expense to average assets | 3.3275% | 867 |
| Loan and lease loss provision to assets | 0.0643% | 3,534 |
| Net operating income to assets | 1.0391% | 2,196 |
| Return on assets (ROA) | 1.0391% | 2,316 |
| Pretax return on assets | 1.3876% | 1,776 |
| Return on Equity (ROE) | 9.3190% | 2,272 |
| Retained earnings to average equity (ytd only) | 8.7709% | 1,047 |
| Net charge-offs to loans | -0.0494% | 4,668 |
| Credit loss provision to net charge-offs | -187.5000% | 3,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7489% | 2,362 |
| Assets per employee ($millions) | 3.4849% | 4,670 |
| Cash dividends to net income (ytd only)* | 5.8824% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9601% | 3,848 |
| Loan loss allowance to noncurrent loans | 1,329.2308% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 4,197 |
| Noncurrent loans to loans | 0.0722% | 4,084 |
| Net loans and leases to total assets | 67.3010% | 2,351 |
| Net loans and leases to deposits | 76.6447% | 2,691 |
| Net loans and leases to core deposits | 88.9452% | 2,068 |
| Total domestic deposits to total assets | 87.8090% | 1,299 |
| Equity capital to assets | 10.8513% | 2,517 |
| Core capital (leverage) ratio | 9.5561% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,334,250 | 3,689 |
| Average earning assets | $110,840,750 | 3,737 |
| Average equity | $13,863,750 | 3,775 |
| Average total loans | $86,338,250 | 3,481 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9033% | 162 |
| Cost of funding earning assets | 0.9096% | 1,329 |
| Net interest margin | 4.9937% | 208 |
| Noninterest income to average assets | 0.3749% | 3,231 |
| Noninterest expense to average assets | 3.3641% | 902 |
| Loan and lease loss provision to assets | 0.0493% | 3,683 |
| Net operating income to assets | 1.0375% | 2,195 |
| Return on assets (ROA) | 1.0375% | 2,330 |
| Pretax return on assets | 1.4025% | 1,722 |
| Return on Equity (ROE) | 9.2150% | 2,272 |
| Retained earnings to average equity (ytd only) | 8.6747% | 1,111 |
| Net charge-offs to loans | -0.1057% | 4,863 |
| Credit loss provision to net charge-offs | -66.6667% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9512% | 2,388 |
| Assets per employee ($millions) | 3.3536% | 4,726 |
| Cash dividends to net income (ytd only)* | 5.8637% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 3,935 |
| Loan loss allowance to noncurrent loans | 1,303.0769% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 4,277 |
| Noncurrent loans to loans | 0.0703% | 4,184 |
| Net loans and leases to total assets | 71.9100% | 1,728 |
| Net loans and leases to deposits | 82.1817% | 2,188 |
| Net loans and leases to core deposits | 99.5049% | 1,292 |
| Total domestic deposits to total assets | 87.5013% | 1,415 |
| Equity capital to assets | 11.0502% | 2,300 |
| Core capital (leverage) ratio | 9.7310% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,637,000 | 3,705 |
| Average earning assets | $108,177,000 | 3,767 |
| Average equity | $13,695,000 | 3,805 |
| Average total loans | $85,121,667 | 3,498 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9196% | 177 |
| Cost of funding earning assets | 0.9828% | 1,499 |
| Net interest margin | 4.9368% | 218 |
| Noninterest income to average assets | 0.4009% | 3,093 |
| Noninterest expense to average assets | 3.5136% | 917 |
| Loan and lease loss provision to assets | 0.0505% | 3,148 |
| Net operating income to assets | 0.9365% | 2,394 |
| Return on assets (ROA) | 0.9365% | 2,503 |
| Pretax return on assets | 1.2195% | 2,127 |
| Return on Equity (ROE) | 8.2361% | 2,413 |
| Retained earnings to average equity (ytd only) | 7.1399% | 1,490 |
| Net charge-offs to loans | -0.1916% | 4,934 |
| Credit loss provision to net charge-offs | -38.4615% | 3,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4225% | 2,291 |
| Assets per employee ($millions) | 3.0624% | 4,767 |
| Cash dividends to net income (ytd only)* | 13.3094% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 3,703 |
| Loan loss allowance to noncurrent loans | 1,352.4590% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 4,182 |
| Noncurrent loans to loans | 0.0740% | 4,225 |
| Net loans and leases to total assets | 68.3192% | 2,498 |
| Net loans and leases to deposits | 78.4190% | 2,844 |
| Net loans and leases to core deposits | 95.4249% | 1,851 |
| Total domestic deposits to total assets | 87.1207% | 1,510 |
| Equity capital to assets | 11.4450% | 2,491 |
| Core capital (leverage) ratio | 9.8570% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,737,000 | 3,722 |
| Average earning assets | $105,413,000 | 3,795 |
| Average equity | $13,501,500 | 3,834 |
| Average total loans | $81,439,000 | 3,556 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5632% | 102 |
| Cost of funding earning assets | 0.9475% | 1,971 |
| Net interest margin | 5.6157% | 100 |
| Noninterest income to average assets | 0.3806% | 3,415 |
| Noninterest expense to average assets | 3.7290% | 734 |
| Loan and lease loss provision to assets | 0.1226% | 1,726 |
| Net operating income to assets | 1.0892% | 2,479 |
| Return on assets (ROA) | 1.0892% | 2,584 |
| Pretax return on assets | 1.4662% | 1,915 |
| Return on Equity (ROE) | 8.7894% | 2,848 |
| Retained earnings to average equity (ytd only) | -1.5174% | 4,847 |
| Net charge-offs to loans | -0.0221% | 4,647 |
| Credit loss provision to net charge-offs | -794.1176% | 4,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2190% | 2,576 |
| Assets per employee ($millions) | 3.0267% | 4,816 |
| Cash dividends to net income (ytd only)* | 117.2644% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 3,701 |
| Loan loss allowance to noncurrent loans | 735.2381% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 4,193 |
| Noncurrent loans to loans | 0.1305% | 3,996 |
| Net loans and leases to total assets | 67.5065% | 2,750 |
| Net loans and leases to deposits | 77.2540% | 3,072 |
| Net loans and leases to core deposits | 88.7174% | 2,539 |
| Total domestic deposits to total assets | 87.3825% | 1,415 |
| Equity capital to assets | 11.2960% | 2,712 |
| Core capital (leverage) ratio | 9.9060% | 3,616 |
| Tier 1 risk-based capital ratio | 12.3798% | 4,139 |
| Total risk-based capital ratio | 13.2241% | 4,253 |
| Memoranda: | ||
| Average total assets | $110,082,000 | 3,830 |
| Average earning assets | $96,782,200 | 3,930 |
| Average equity | $13,641,400 | 3,799 |
| Average total loans | $77,082,200 | 3,652 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4790% | 115 |
| Cost of funding earning assets | 0.9354% | 2,059 |
| Net interest margin | 5.5436% | 114 |
| Noninterest income to average assets | 0.4231% | 3,189 |
| Noninterest expense to average assets | 3.7621% | 690 |
| Loan and lease loss provision to assets | 0.1295% | 1,492 |
| Net operating income to assets | 1.0361% | 2,838 |
| Return on assets (ROA) | 1.0361% | 2,919 |
| Pretax return on assets | 1.3926% | 2,339 |
| Return on Equity (ROE) | 8.1641% | 3,235 |
| Retained earnings to average equity (ytd only) | 4.0335% | 3,379 |
| Net charge-offs to loans | -0.0140% | 4,475 |
| Credit loss provision to net charge-offs | -1,312.5000% | 4,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2073% | 2,379 |
| Assets per employee ($millions) | 3.0876% | 4,847 |
| Cash dividends to net income (ytd only)* | 50.5951% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 3,944 |
| Loan loss allowance to noncurrent loans | 463.9241% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 3,847 |
| Noncurrent loans to loans | 0.1995% | 3,826 |
| Net loans and leases to total assets | 68.6940% | 2,674 |
| Net loans and leases to deposits | 79.5153% | 2,953 |
| Net loans and leases to core deposits | 95.8942% | 2,008 |
| Total domestic deposits to total assets | 86.3909% | 1,825 |
| Equity capital to assets | 12.2330% | 2,089 |
| Core capital (leverage) ratio | 10.8796% | 2,760 |
| Tier 1 risk-based capital ratio | 13.3675% | 3,650 |
| Total risk-based capital ratio | 14.1900% | 3,774 |
| Memoranda: | ||
| Average total assets | $108,092,000 | 3,898 |
| Average earning assets | $94,786,000 | 4,001 |
| Average equity | $13,718,250 | 3,829 |
| Average total loans | $76,238,250 | 3,702 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4192% | 128 |
| Cost of funding earning assets | 0.9072% | 2,105 |
| Net interest margin | 5.5120% | 122 |
| Noninterest income to average assets | 0.4338% | 3,044 |
| Noninterest expense to average assets | 3.8645% | 619 |
| Loan and lease loss provision to assets | 0.1037% | 1,808 |
| Net operating income to assets | 0.9921% | 2,953 |
| Return on assets (ROA) | 0.9921% | 3,020 |
| Pretax return on assets | 1.2900% | 2,596 |
| Return on Equity (ROE) | 7.7168% | 3,416 |
| Retained earnings to average equity (ytd only) | 6.4844% | 2,062 |
| Net charge-offs to loans | -0.0053% | 4,139 |
| Credit loss provision to net charge-offs | -2,750.0000% | 4,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4448% | 2,159 |
| Assets per employee ($millions) | 2.6555% | 5,075 |
| Cash dividends to net income (ytd only)* | 15.9696% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 4,293 |
| Loan loss allowance to noncurrent loans | 410.3030% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 3,786 |
| Noncurrent loans to loans | 0.2056% | 3,808 |
| Net loans and leases to total assets | 73.0875% | 2,041 |
| Net loans and leases to deposits | 85.3459% | 2,330 |
| Net loans and leases to core deposits | 99.5920% | 1,759 |
| Total domestic deposits to total assets | 85.6367% | 2,208 |
| Equity capital to assets | 12.8266% | 1,677 |
| Core capital (leverage) ratio | 11.1807% | 2,433 |
| Tier 1 risk-based capital ratio | 13.3272% | 3,681 |
| Total risk-based capital ratio | 14.0790% | 3,831 |
| Memoranda: | ||
| Average total assets | $106,042,670 | 3,958 |
| Average earning assets | $92,816,000 | 4,059 |
| Average equity | $13,632,670 | 3,840 |
| Average total loans | $75,248,000 | 3,743 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2551% | 146 |
| Cost of funding earning assets | 0.8273% | 2,384 |
| Net interest margin | 5.4278% | 142 |
| Noninterest income to average assets | 0.4626% | 2,786 |
| Noninterest expense to average assets | 4.0105% | 527 |
| Loan and lease loss provision to assets | 0.0573% | 2,516 |
| Net operating income to assets | 0.9099% | 3,199 |
| Return on assets (ROA) | 0.9099% | 3,242 |
| Pretax return on assets | 1.1355% | 3,028 |
| Return on Equity (ROE) | 7.0694% | 3,648 |
| Retained earnings to average equity (ytd only) | 5.9110% | 2,490 |
| Net charge-offs to loans | 0.0110% | 2,292 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 493 |
| Efficiency ratio | 73.9162% | 1,763 |
| Assets per employee ($millions) | 2.7686% | 5,090 |
| Cash dividends to net income (ytd only)* | 16.3866% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 4,406 |
| Loan loss allowance to noncurrent loans | 145.5172% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 2,800 |
| Noncurrent loans to loans | 0.5736% | 2,610 |
| Net loans and leases to total assets | 69.6516% | 2,537 |
| Net loans and leases to deposits | 80.7583% | 2,758 |
| Net loans and leases to core deposits | 90.8374% | 2,415 |
| Total domestic deposits to total assets | 86.2469% | 2,165 |
| Equity capital to assets | 12.6306% | 1,669 |
| Core capital (leverage) ratio | 11.2811% | 2,310 |
| Tier 1 risk-based capital ratio | 13.6353% | 3,532 |
| Total risk-based capital ratio | 14.3705% | 3,727 |
| Memoranda: | ||
| Average total assets | $104,626,500 | 4,030 |
| Average earning assets | $91,381,000 | 4,118 |
| Average equity | $13,466,500 | 3,880 |
| Average total loans | $72,746,500 | 3,823 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 2,946 |
| Cost of funding earning assets | 0.3880% | 4,058 |
| Net interest margin | 3.9567% | 2,136 |
| Noninterest income to average assets | 1.1928% | 646 |
| Noninterest expense to average assets | 2.6385% | 3,216 |
| Loan and lease loss provision to assets | 0.6218% | 178 |
| Net operating income to assets | 1.2695% | 1,917 |
| Return on assets (ROA) | 1.2695% | 1,915 |
| Pretax return on assets | 1.4415% | 1,982 |
| Return on Equity (ROE) | 9.5634% | 2,715 |
| Retained earnings to average equity (ytd only) | 2.3499% | 4,208 |
| Net charge-offs to loans | -0.0292% | 4,803 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6037% | 4,651 |
| Assets per employee ($millions) | 2.6652% | 5,152 |
| Cash dividends to net income (ytd only)* | 75.4286% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,206 |
| Loan loss allowance to noncurrent loans | 208.7542% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 3,179 |
| Noncurrent loans to loans | 0.4264% | 3,009 |
| Net loans and leases to total assets | 68.1626% | 2,862 |
| Net loans and leases to deposits | 79.6357% | 2,997 |
| Net loans and leases to core deposits | 89.6474% | 2,602 |
| Total domestic deposits to total assets | 85.5930% | 2,395 |
| Equity capital to assets | 13.1274% | 1,289 |
| Core capital (leverage) ratio | 11.2655% | 2,290 |
| Tier 1 risk-based capital ratio | 13.9338% | 3,319 |
| Total risk-based capital ratio | 14.6918% | 3,484 |
| Memoranda: | ||
| Average total assets | $96,496,000 | 4,160 |
| Average earning assets | $85,576,200 | 4,226 |
| Average equity | $12,809,200 | 3,913 |
| Average total loans | $68,448,600 | 3,903 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3522% | 5,082 |
| Cost of funding earning assets | 0.2701% | 4,675 |
| Net interest margin | 3.0821% | 4,734 |
| Noninterest income to average assets | 1.4508% | 446 |
| Noninterest expense to average assets | 2.0454% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8859% | 504 |
| Return on assets (ROA) | 1.8859% | 505 |
| Pretax return on assets | 2.1517% | 428 |
| Return on Equity (ROE) | 14.1656% | 1,074 |
| Retained earnings to average equity (ytd only) | 14.1656% | 234 |
| Net charge-offs to loans | -0.0352% | 4,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3667% | 5,133 |
| Assets per employee ($millions) | 3.1153% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0251% | 5,429 |
| Loan loss allowance to noncurrent loans | 0.8902% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 2.0155% | 527 |
| Noncurrent loans to loans | 2.8176% | 414 |
| Net loans and leases to total assets | 69.7881% | 2,682 |
| Net loans and leases to deposits | 82.7738% | 2,734 |
| Net loans and leases to core deposits | 93.1814% | 2,376 |
| Total domestic deposits to total assets | 84.3119% | 2,852 |
| Equity capital to assets | 14.2164% | 896 |
| Core capital (leverage) ratio | 13.1866% | 1,214 |
| Tier 1 risk-based capital ratio | 14.7954% | 2,974 |
| Total risk-based capital ratio | 14.8166% | 3,503 |
| Memoranda: | ||
| Average total assets | $95,300,750 | 4,223 |
| Average earning assets | $84,917,500 | 4,283 |
| Average equity | $12,687,750 | 3,960 |
| Average total loans | $68,147,500 | 3,944 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9088% | 159 |
| Cost of funding earning assets | 0.3665% | 3,969 |
| Net interest margin | 5.5423% | 101 |
| Noninterest income to average assets | 0.6245% | 2,206 |
| Noninterest expense to average assets | 3.7689% | 693 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3895% | 1,473 |
| Return on assets (ROA) | 1.3895% | 1,474 |
| Pretax return on assets | 1.8563% | 869 |
| Return on Equity (ROE) | 10.9042% | 2,151 |
| Retained earnings to average equity (ytd only) | -10.6667% | 5,424 |
| Net charge-offs to loans | -0.0478% | 4,906 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9996% | 2,822 |
| Assets per employee ($millions) | 2.7903% | 5,224 |
| Cash dividends to net income (ytd only)* | 197.8227% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 2,793 |
| Loan loss allowance to noncurrent loans | 40.4380% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 2.2861% | 407 |
| Noncurrent loans to loans | 2.9410% | 390 |
| Net loans and leases to total assets | 74.9815% | 1,793 |
| Net loans and leases to deposits | 85.6305% | 2,358 |
| Net loans and leases to core deposits | 93.2522% | 2,287 |
| Total domestic deposits to total assets | 87.5641% | 1,607 |
| Equity capital to assets | 12.2013% | 1,722 |
| Core capital (leverage) ratio | 12.0246% | 1,701 |
| Tier 1 risk-based capital ratio | 13.5984% | 3,565 |
| Total risk-based capital ratio | 14.6371% | 3,598 |
| Memoranda: | ||
| Average total assets | $92,548,000 | 4,304 |
| Average earning assets | $83,502,670 | 4,336 |
| Average equity | $11,793,670 | 4,119 |
| Average total loans | $66,942,330 | 4,002 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2241% | 468 |
| Cost of funding earning assets | 0.3547% | 3,951 |
| Net interest margin | 4.8694% | 296 |
| Noninterest income to average assets | 0.7760% | 1,533 |
| Noninterest expense to average assets | 3.6300% | 839 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1468% | 2,233 |
| Return on assets (ROA) | 1.1468% | 2,244 |
| Pretax return on assets | 1.5262% | 1,610 |
| Return on Equity (ROE) | 8.8131% | 3,000 |
| Retained earnings to average equity (ytd only) | 8.8131% | 1,532 |
| Net charge-offs to loans | -0.0183% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4013% | 2,425 |
| Assets per employee ($millions) | 2.9914% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,605 |
| Loan loss allowance to noncurrent loans | 40.5352% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.2300% | 462 |
| Noncurrent loans to loans | 3.0470% | 390 |
| Net loans and leases to total assets | 70.5351% | 2,389 |
| Net loans and leases to deposits | 81.3719% | 2,644 |
| Net loans and leases to core deposits | 88.9533% | 2,549 |
| Total domestic deposits to total assets | 86.6823% | 2,246 |
| Equity capital to assets | 13.0998% | 1,192 |
| Core capital (leverage) ratio | 12.6767% | 1,303 |
| Tier 1 risk-based capital ratio | 15.3554% | 2,716 |
| Total risk-based capital ratio | 16.4318% | 2,727 |
| Memoranda: | ||
| Average total assets | $92,782,000 | 4,353 |
| Average earning assets | $83,459,500 | 4,384 |
| Average equity | $12,073,000 | 4,111 |
| Average total loans | $65,476,500 | 4,069 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1349% | 498 |
| Cost of funding earning assets | 0.3487% | 3,731 |
| Net interest margin | 4.7862% | 363 |
| Noninterest income to average assets | 0.6423% | 2,244 |
| Noninterest expense to average assets | 3.5602% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3110% | 4,908 |
| Return on assets (ROA) | 0.3110% | 4,924 |
| Pretax return on assets | 1.3361% | 2,227 |
| Return on Equity (ROE) | 2.4128% | 4,971 |
| Retained earnings to average equity (ytd only) | 2.4128% | 3,887 |
| Net charge-offs to loans | -0.1032% | 5,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7113% | 2,117 |
| Assets per employee ($millions) | 3.0943% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,430 |
| Loan loss allowance to noncurrent loans | 41.9023% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 2.3807% | 411 |
| Noncurrent loans to loans | 3.0050% | 371 |
| Net loans and leases to total assets | 68.8463% | 2,701 |
| Net loans and leases to deposits | 79.2073% | 3,003 |
| Net loans and leases to core deposits | 86.5368% | 2,872 |
| Total domestic deposits to total assets | 86.9191% | 2,035 |
| Equity capital to assets | 12.9247% | 1,302 |
| Core capital (leverage) ratio | 12.3096% | 1,439 |
| Tier 1 risk-based capital ratio | 14.8778% | 2,899 |
| Total risk-based capital ratio | 15.9473% | 2,924 |
| Memoranda: | ||
| Average total assets | $93,253,200 | 4,365 |
| Average earning assets | $82,884,200 | 4,424 |
| Average equity | $12,019,200 | 4,134 |
| Average total loans | $61,036,000 | 4,180 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1555% | 454 |
| Cost of funding earning assets | 0.3481% | 3,690 |
| Net interest margin | 4.8074% | 326 |
| Noninterest income to average assets | 0.5613% | 2,664 |
| Noninterest expense to average assets | 3.5089% | 980 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8326% | 3,376 |
| Return on assets (ROA) | 0.8326% | 3,409 |
| Pretax return on assets | 1.3125% | 2,427 |
| Return on Equity (ROE) | 6.4644% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.4644% | 1,980 |
| Net charge-offs to loans | -0.1087% | 5,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7784% | 2,078 |
| Assets per employee ($millions) | 2.9657% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 2,580 |
| Loan loss allowance to noncurrent loans | 41.6104% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 2.5528% | 415 |
| Noncurrent loans to loans | 3.0281% | 418 |
| Net loans and leases to total assets | 68.2754% | 2,801 |
| Net loans and leases to deposits | 79.1494% | 3,051 |
| Net loans and leases to core deposits | 86.6129% | 2,910 |
| Total domestic deposits to total assets | 86.2614% | 2,200 |
| Equity capital to assets | 13.4710% | 1,171 |
| Core capital (leverage) ratio | 11.9433% | 1,727 |
| Tier 1 risk-based capital ratio | 14.7444% | 3,039 |
| Total risk-based capital ratio | 15.8196% | 3,062 |
| Memoranda: | ||
| Average total assets | $93,359,000 | 4,403 |
| Average earning assets | $82,732,250 | 4,466 |
| Average equity | $12,024,500 | 4,174 |
| Average total loans | $60,113,750 | 4,239 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0688% | 505 |
| Cost of funding earning assets | 0.3490% | 3,593 |
| Net interest margin | 4.7198% | 380 |
| Noninterest income to average assets | 0.4242% | 3,533 |
| Noninterest expense to average assets | 3.4871% | 1,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7076% | 3,814 |
| Return on assets (ROA) | 0.7076% | 3,878 |
| Pretax return on assets | 1.1169% | 3,103 |
| Return on Equity (ROE) | 5.5778% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.5778% | 2,367 |
| Net charge-offs to loans | -0.0882% | 5,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7407% | 1,762 |
| Assets per employee ($millions) | 3.1149% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 2,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9075% | 1,952 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 63.5055% | 3,450 |
| Net loans and leases to deposits | 73.1811% | 3,629 |
| Net loans and leases to core deposits | 79.9095% | 3,425 |
| Total domestic deposits to total assets | 86.7786% | 2,051 |
| Equity capital to assets | 12.9945% | 1,378 |
| Core capital (leverage) ratio | 11.5834% | 1,914 |
| Tier 1 risk-based capital ratio | 15.0135% | 2,919 |
| Total risk-based capital ratio | 16.1150% | 2,914 |
| Memoranda: | ||
| Average total assets | $93,832,670 | 4,418 |
| Average earning assets | $83,096,000 | 4,484 |
| Average equity | $11,904,330 | 4,206 |
| Average total loans | $58,961,000 | 4,292 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 441 |
| Cost of funding earning assets | 0.3609% | 3,407 |
| Net interest margin | 4.7396% | 353 |
| Noninterest income to average assets | 0.4212% | 3,514 |
| Noninterest expense to average assets | 3.5395% | 986 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7232% | 3,604 |
| Return on assets (ROA) | 0.7232% | 3,651 |
| Pretax return on assets | 1.0720% | 3,083 |
| Return on Equity (ROE) | 5.7700% | 4,012 |
| Retained earnings to average equity (ytd only) | 5.7700% | 2,456 |
| Net charge-offs to loans | -0.1507% | 5,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7528% | 1,794 |
| Assets per employee ($millions) | 3.1447% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 2,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 1,881 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 61.2194% | 3,632 |
| Net loans and leases to deposits | 70.1958% | 3,773 |
| Net loans and leases to core deposits | 76.5454% | 3,604 |
| Total domestic deposits to total assets | 87.2123% | 2,105 |
| Equity capital to assets | 12.6255% | 1,452 |
| Core capital (leverage) ratio | 11.0432% | 2,316 |
| Tier 1 risk-based capital ratio | 14.8669% | 3,037 |
| Total risk-based capital ratio | 15.9795% | 3,024 |
| Memoranda: | ||
| Average total assets | $94,025,500 | 4,459 |
| Average earning assets | $83,129,500 | 4,522 |
| Average equity | $11,785,000 | 4,254 |
| Average total loans | $58,380,500 | 4,335 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1444% | 459 |
| Cost of funding earning assets | 0.4248% | 2,762 |
| Net interest margin | 4.7195% | 411 |
| Noninterest income to average assets | 1.0439% | 1,038 |
| Noninterest expense to average assets | 3.5590% | 1,066 |
| Loan and lease loss provision to assets | -0.0362% | 5,552 |
| Net operating income to assets | 0.9189% | 2,726 |
| Return on assets (ROA) | 0.9353% | 2,759 |
| Pretax return on assets | 1.5702% | 1,371 |
| Return on Equity (ROE) | 7.7141% | 3,107 |
| Retained earnings to average equity (ytd only) | 7.7141% | 955 |
| Net charge-offs to loans | -0.4097% | 5,818 |
| Credit loss provision to net charge-offs | 14.1079% | 3,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2333% | 2,865 |
| Assets per employee ($millions) | 3.1237% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0234% | 1,854 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 61.3382% | 3,679 |
| Net loans and leases to deposits | 70.1857% | 3,885 |
| Net loans and leases to core deposits | 76.5512% | 3,701 |
| Total domestic deposits to total assets | 87.3941% | 1,934 |
| Equity capital to assets | 12.4416% | 1,558 |
| Core capital (leverage) ratio | 10.8530% | 2,484 |
| Tier 1 risk-based capital ratio | 14.9933% | 2,966 |
| Total risk-based capital ratio | 16.1074% | 2,963 |
| Memoranda: | ||
| Average total assets | $93,875,400 | 4,472 |
| Average earning assets | $80,029,200 | 4,586 |
| Average equity | $11,381,800 | 4,360 |
| Average total loans | $58,819,000 | 4,337 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2053% | 419 |
| Cost of funding earning assets | 0.4402% | 2,632 |
| Net interest margin | 4.7651% | 385 |
| Noninterest income to average assets | 0.7070% | 2,137 |
| Noninterest expense to average assets | 3.6329% | 942 |
| Loan and lease loss provision to assets | -0.1902% | 5,864 |
| Net operating income to assets | 0.8158% | 3,295 |
| Return on assets (ROA) | 0.8376% | 3,327 |
| Pretax return on assets | 1.3245% | 2,332 |
| Return on Equity (ROE) | 6.9538% | 3,581 |
| Retained earnings to average equity (ytd only) | 6.9538% | 1,653 |
| Net charge-offs to loans | -0.3459% | 5,849 |
| Credit loss provision to net charge-offs | 87.5817% | 2,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7546% | 1,867 |
| Assets per employee ($millions) | 3.2779% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 4,639 |
| Loan loss allowance to noncurrent loans | 76.9441% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 5.0527% | 142 |
| Noncurrent loans to loans | 1.2411% | 1,810 |
| Net loans and leases to total assets | 61.5393% | 3,687 |
| Net loans and leases to deposits | 70.4608% | 3,942 |
| Net loans and leases to core deposits | 77.0613% | 3,745 |
| Total domestic deposits to total assets | 87.3383% | 1,740 |
| Equity capital to assets | 12.2273% | 1,966 |
| Core capital (leverage) ratio | 10.3055% | 3,222 |
| Tier 1 risk-based capital ratio | 13.6143% | 3,792 |
| Total risk-based capital ratio | 14.4183% | 3,959 |
| Memoranda: | ||
| Average total assets | $93,916,750 | 4,509 |
| Average earning assets | $79,352,500 | 4,638 |
| Average equity | $11,312,500 | 4,411 |
| Average total loans | $58,965,750 | 4,364 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2787% | 374 |
| Cost of funding earning assets | 0.4485% | 2,582 |
| Net interest margin | 4.8301% | 350 |
| Noninterest income to average assets | 0.6735% | 2,256 |
| Noninterest expense to average assets | 3.6606% | 932 |
| Loan and lease loss provision to assets | -0.3250% | 5,984 |
| Net operating income to assets | 0.8844% | 2,938 |
| Return on assets (ROA) | 0.9173% | 2,911 |
| Pretax return on assets | 1.4647% | 1,791 |
| Return on Equity (ROE) | 7.6546% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.6546% | 1,312 |
| Net charge-offs to loans | -0.5057% | 5,942 |
| Credit loss provision to net charge-offs | 102.0134% | 2,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0824% | 1,918 |
| Assets per employee ($millions) | 3.1192% | 5,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 4,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.4990% | 176 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 60.5999% | 3,805 |
| Net loans and leases to deposits | 69.3715% | 4,045 |
| Net loans and leases to core deposits | 75.9699% | 3,827 |
| Total domestic deposits to total assets | 87.3557% | 1,736 |
| Equity capital to assets | 12.2531% | 1,939 |
| Core capital (leverage) ratio | 10.1743% | 3,357 |
| Tier 1 risk-based capital ratio | 13.3987% | 3,965 |
| Total risk-based capital ratio | 14.1784% | 4,158 |
| Memoranda: | ||
| Average total assets | $93,536,330 | 4,545 |
| Average earning assets | $78,921,670 | 4,678 |
| Average equity | $11,209,000 | 4,447 |
| Average total loans | $58,933,670 | 4,383 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2735% | 371 |
| Cost of funding earning assets | 0.4466% | 2,618 |
| Net interest margin | 4.8268% | 342 |
| Noninterest income to average assets | 0.7870% | 1,671 |
| Noninterest expense to average assets | 3.5929% | 1,029 |
| Loan and lease loss provision to assets | 0.0642% | 2,675 |
| Net operating income to assets | 0.7555% | 3,458 |
| Return on assets (ROA) | 0.8212% | 3,272 |
| Pretax return on assets | 1.3003% | 2,303 |
| Return on Equity (ROE) | 6.9311% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.9311% | 1,914 |
| Net charge-offs to loans | -0.0201% | 4,859 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0088% | 2,472 |
| Assets per employee ($millions) | 3.1334% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 4,866 |
| Loan loss allowance to noncurrent loans | 56.5261% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 5.6893% | 131 |
| Noncurrent loans to loans | 1.6759% | 1,352 |
| Net loans and leases to total assets | 62.6238% | 3,440 |
| Net loans and leases to deposits | 71.3548% | 3,714 |
| Net loans and leases to core deposits | 78.0688% | 3,484 |
| Total domestic deposits to total assets | 87.7640% | 1,769 |
| Equity capital to assets | 11.9126% | 2,083 |
| Core capital (leverage) ratio | 9.9332% | 3,621 |
| Tier 1 risk-based capital ratio | 12.7710% | 4,417 |
| Total risk-based capital ratio | 13.5581% | 4,616 |
| Memoranda: | ||
| Average total assets | $93,516,500 | 4,588 |
| Average earning assets | $78,809,500 | 4,730 |
| Average equity | $11,080,500 | 4,488 |
| Average total loans | $59,776,000 | 4,376 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4177% | 309 |
| Cost of funding earning assets | 0.5059% | 2,110 |
| Net interest margin | 4.9118% | 294 |
| Noninterest income to average assets | -0.0011% | 6,115 |
| Noninterest expense to average assets | 3.7397% | 928 |
| Loan and lease loss provision to assets | 0.0747% | 2,774 |
| Net operating income to assets | 0.0947% | 5,762 |
| Return on assets (ROA) | 0.1131% | 5,780 |
| Pretax return on assets | 0.2017% | 5,686 |
| Return on Equity (ROE) | 0.9636% | 5,779 |
| Retained earnings to average equity (ytd only) | 0.9636% | 5,135 |
| Net charge-offs to loans | 0.4142% | 691 |
| Credit loss provision to net charge-offs | 29.6610% | 3,661 |
| Earnings coverage of net charge-offs (x) | 0.9831% | 4,154 |
| Efficiency ratio | 93.7918% | 494 |
| Assets per employee ($millions) | 3.1011% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 5,063 |
| Loan loss allowance to noncurrent loans | 276.6497% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 5.2788% | 157 |
| Noncurrent loans to loans | 0.3277% | 4,287 |
| Net loans and leases to total assets | 64.0393% | 3,273 |
| Net loans and leases to deposits | 72.8031% | 3,634 |
| Net loans and leases to core deposits | 79.6995% | 3,380 |
| Total domestic deposits to total assets | 87.9622% | 1,649 |
| Equity capital to assets | 11.7841% | 2,124 |
| Core capital (leverage) ratio | 9.6134% | 4,031 |
| Tier 1 risk-based capital ratio | 12.0420% | 4,920 |
| Total risk-based capital ratio | 12.7824% | 5,141 |
| Memoranda: | ||
| Average total assets | $93,725,200 | 4,586 |
| Average earning assets | $76,102,600 | 4,809 |
| Average equity | $11,000,200 | 4,480 |
| Average total loans | $56,979,200 | 4,467 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3582% | 344 |
| Cost of funding earning assets | 0.5190% | 2,051 |
| Net interest margin | 4.8391% | 345 |
| Noninterest income to average assets | -0.1690% | 6,245 |
| Noninterest expense to average assets | 3.8054% | 845 |
| Loan and lease loss provision to assets | 0.0994% | 2,191 |
| Net operating income to assets | -0.1222% | 6,015 |
| Return on assets (ROA) | -0.0966% | 6,021 |
| Pretax return on assets | -0.1434% | 6,027 |
| Return on Equity (ROE) | -0.8235% | 6,018 |
| Retained earnings to average equity (ytd only) | -0.8235% | 5,741 |
| Net charge-offs to loans | 0.5742% | 396 |
| Credit loss provision to net charge-offs | 28.9256% | 3,282 |
| Earnings coverage of net charge-offs (x) | -0.2397% | 4,010 |
| Efficiency ratio | 102.2121% | 254 |
| Assets per employee ($millions) | 3.0990% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 5,045 |
| Loan loss allowance to noncurrent loans | 133.0864% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 6.0826% | 138 |
| Noncurrent loans to loans | 0.7029% | 3,223 |
| Net loans and leases to total assets | 61.3951% | 3,679 |
| Net loans and leases to deposits | 69.8522% | 4,003 |
| Net loans and leases to core deposits | 76.4724% | 3,745 |
| Total domestic deposits to total assets | 87.8929% | 1,619 |
| Equity capital to assets | 11.6231% | 2,400 |
| Core capital (leverage) ratio | 9.3385% | 4,530 |
| Tier 1 risk-based capital ratio | 12.8285% | 4,531 |
| Total risk-based capital ratio | 13.6339% | 4,742 |
| Memoranda: | ||
| Average total assets | $93,898,500 | 4,636 |
| Average earning assets | $75,521,250 | 4,877 |
| Average equity | $11,009,500 | 4,528 |
| Average total loans | $56,193,500 | 4,534 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3656% | 325 |
| Cost of funding earning assets | 0.5256% | 2,025 |
| Net interest margin | 4.8400% | 335 |
| Noninterest income to average assets | 1.4203% | 630 |
| Noninterest expense to average assets | 3.9126% | 755 |
| Loan and lease loss provision to assets | 0.0425% | 3,259 |
| Net operating income to assets | 0.8301% | 3,214 |
| Return on assets (ROA) | 0.8301% | 3,330 |
| Pretax return on assets | 1.3162% | 2,306 |
| Return on Equity (ROE) | 7.0595% | 3,573 |
| Retained earnings to average equity (ytd only) | 7.0595% | 1,673 |
| Net charge-offs to loans | 0.5097% | 486 |
| Credit loss provision to net charge-offs | 14.0845% | 3,076 |
| Earnings coverage of net charge-offs (x) | 4.5070% | 3,031 |
| Efficiency ratio | 74.2247% | 2,654 |
| Assets per employee ($millions) | 3.3523% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 4,697 |
| Loan loss allowance to noncurrent loans | 58.6653% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 10.2948% | 63 |
| Noncurrent loans to loans | 1.7606% | 1,455 |
| Net loans and leases to total assets | 60.1270% | 3,817 |
| Net loans and leases to deposits | 68.6381% | 4,070 |
| Net loans and leases to core deposits | 75.1031% | 3,840 |
| Total domestic deposits to total assets | 87.6000% | 1,840 |
| Equity capital to assets | 11.9451% | 2,071 |
| Core capital (leverage) ratio | 9.9103% | 3,727 |
| Tier 1 risk-based capital ratio | 13.1485% | 4,427 |
| Total risk-based capital ratio | 13.9941% | 4,574 |
| Memoranda: | ||
| Average total assets | $94,208,000 | 4,675 |
| Average earning assets | $74,958,330 | 4,943 |
| Average equity | $11,077,330 | 4,549 |
| Average total loans | $55,718,670 | 4,596 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4347% | 285 |
| Cost of funding earning assets | 0.5275% | 2,031 |
| Net interest margin | 4.9073% | 295 |
| Noninterest income to average assets | 2.1021% | 346 |
| Noninterest expense to average assets | 4.0559% | 645 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2375% | 1,440 |
| Return on assets (ROA) | 1.2375% | 1,527 |
| Pretax return on assets | 1.9496% | 650 |
| Return on Equity (ROE) | 10.6085% | 1,765 |
| Retained earnings to average equity (ytd only) | 10.6085% | 793 |
| Net charge-offs to loans | 0.4794% | 521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.9697% | 2,223 |
| Efficiency ratio | 67.5371% | 3,899 |
| Assets per employee ($millions) | 3.3686% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 4,289 |
| Loan loss allowance to noncurrent loans | 240.6716% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 9.4381% | 70 |
| Noncurrent loans to loans | 0.4759% | 4,154 |
| Net loans and leases to total assets | 59.0278% | 3,792 |
| Net loans and leases to deposits | 67.3119% | 4,023 |
| Net loans and leases to core deposits | 73.6043% | 3,815 |
| Total domestic deposits to total assets | 87.6930% | 1,989 |
| Equity capital to assets | 11.8798% | 2,120 |
| Core capital (leverage) ratio | 9.7419% | 3,965 |
| Tier 1 risk-based capital ratio | 12.9228% | 4,650 |
| Total risk-based capital ratio | 13.8469% | 4,758 |
| Memoranda: | ||
| Average total assets | $94,380,500 | 4,709 |
| Average earning assets | $75,072,500 | 4,990 |
| Average equity | $11,010,000 | 4,595 |
| Average total loans | $55,065,000 | 4,640 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4134% | 370 |
| Cost of funding earning assets | 0.6513% | 1,394 |
| Net interest margin | 4.7621% | 466 |
| Noninterest income to average assets | 0.4025% | 4,161 |
| Noninterest expense to average assets | 3.5659% | 1,367 |
| Loan and lease loss provision to assets | -0.3207% | 6,381 |
| Net operating income to assets | 0.5924% | 4,406 |
| Return on assets (ROA) | 0.5924% | 4,490 |
| Pretax return on assets | 0.9735% | 3,599 |
| Return on Equity (ROE) | 5.5965% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.5965% | 2,192 |
| Net charge-offs to loans | 0.3236% | 1,363 |
| Credit loss provision to net charge-offs | -167.9144% | 5,595 |
| Earnings coverage of net charge-offs (x) | 3.4171% | 3,893 |
| Efficiency ratio | 84.5278% | 1,340 |
| Assets per employee ($millions) | 3.2566% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 3,309 |
| Loan loss allowance to noncurrent loans | 3,555.0000% | 213 |
| Noncurrent assets plus other real estate owned to assets | 9.6918% | 90 |
| Noncurrent loans to loans | 0.0372% | 5,733 |
| Net loans and leases to total assets | 56.2245% | 4,302 |
| Net loans and leases to deposits | 63.6671% | 4,560 |
| Net loans and leases to core deposits | 69.5459% | 4,362 |
| Total domestic deposits to total assets | 88.3102% | 1,613 |
| Equity capital to assets | 11.4516% | 2,475 |
| Core capital (leverage) ratio | 9.0149% | 4,976 |
| Tier 1 risk-based capital ratio | 13.0256% | 4,716 |
| Total risk-based capital ratio | 14.0866% | 4,744 |
| Memoranda: | ||
| Average total assets | $97,899,000 | 4,650 |
| Average earning assets | $78,453,000 | 4,914 |
| Average equity | $10,363,600 | 4,684 |
| Average total loans | $57,779,800 | 4,559 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4034% | 378 |
| Cost of funding earning assets | 0.6616% | 1,378 |
| Net interest margin | 4.7418% | 466 |
| Noninterest income to average assets | 0.4630% | 3,790 |
| Noninterest expense to average assets | 3.4992% | 1,460 |
| Loan and lease loss provision to assets | 0.0958% | 2,450 |
| Net operating income to assets | 0.4306% | 5,142 |
| Return on assets (ROA) | 0.4306% | 5,215 |
| Pretax return on assets | 0.6804% | 4,761 |
| Return on Equity (ROE) | 4.1492% | 5,113 |
| Retained earnings to average equity (ytd only) | 4.1492% | 3,703 |
| Net charge-offs to loans | 1.2092% | 226 |
| Credit loss provision to net charge-offs | 13.3208% | 3,666 |
| Earnings coverage of net charge-offs (x) | 1.0788% | 4,244 |
| Efficiency ratio | 81.8440% | 1,641 |
| Assets per employee ($millions) | 3.3584% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 3,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.1278% | 160 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 58.8615% | 3,952 |
| Net loans and leases to deposits | 66.2564% | 4,301 |
| Net loans and leases to core deposits | 73.4340% | 4,002 |
| Total domestic deposits to total assets | 88.8390% | 1,335 |
| Equity capital to assets | 10.7739% | 3,213 |
| Core capital (leverage) ratio | 8.7197% | 5,415 |
| Tier 1 risk-based capital ratio | 12.0112% | 5,477 |
| Total risk-based capital ratio | 13.0978% | 5,508 |
| Memoranda: | ||
| Average total assets | $98,763,500 | 4,672 |
| Average earning assets | $79,405,250 | 4,954 |
| Average equity | $10,250,750 | 4,737 |
| Average total loans | $58,772,250 | 4,561 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4532% | 337 |
| Cost of funding earning assets | 0.6776% | 1,323 |
| Net interest margin | 4.7756% | 429 |
| Noninterest income to average assets | 0.7519% | 2,038 |
| Noninterest expense to average assets | 3.5436% | 1,399 |
| Loan and lease loss provision to assets | 0.1431% | 1,731 |
| Net operating income to assets | 0.5584% | 4,554 |
| Return on assets (ROA) | 0.5584% | 4,656 |
| Pretax return on assets | 0.8869% | 3,933 |
| Return on Equity (ROE) | 5.4474% | 4,464 |
| Retained earnings to average equity (ytd only) | 5.4474% | 2,674 |
| Net charge-offs to loans | 1.9931% | 114 |
| Credit loss provision to net charge-offs | 12.0748% | 3,284 |
| Earnings coverage of net charge-offs (x) | 0.8690% | 3,949 |
| Efficiency ratio | 77.4791% | 2,378 |
| Assets per employee ($millions) | 3.3716% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 4,548 |
| Loan loss allowance to noncurrent loans | 2,895.8333% | 203 |
| Noncurrent assets plus other real estate owned to assets | 7.3187% | 166 |
| Noncurrent loans to loans | 0.0405% | 5,932 |
| Net loans and leases to total assets | 59.8791% | 3,740 |
| Net loans and leases to deposits | 67.4990% | 4,110 |
| Net loans and leases to core deposits | 74.7873% | 3,749 |
| Total domestic deposits to total assets | 88.7110% | 1,528 |
| Equity capital to assets | 10.6630% | 3,236 |
| Core capital (leverage) ratio | 8.5118% | 5,625 |
| Tier 1 risk-based capital ratio | 11.8279% | 5,634 |
| Total risk-based capital ratio | 12.8247% | 5,715 |
| Memoranda: | ||
| Average total assets | $99,220,330 | 4,704 |
| Average earning assets | $79,403,330 | 4,997 |
| Average equity | $10,170,000 | 4,765 |
| Average total loans | $59,004,000 | 4,582 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4411% | 322 |
| Cost of funding earning assets | 0.6965% | 1,265 |
| Net interest margin | 4.7446% | 425 |
| Noninterest income to average assets | 0.8325% | 1,631 |
| Noninterest expense to average assets | 3.6101% | 1,292 |
| Loan and lease loss provision to assets | 0.2842% | 707 |
| Net operating income to assets | 0.4403% | 4,973 |
| Return on assets (ROA) | 0.4403% | 5,035 |
| Pretax return on assets | 0.7004% | 4,486 |
| Return on Equity (ROE) | 4.3816% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.3816% | 3,496 |
| Net charge-offs to loans | 0.2785% | 1,230 |
| Credit loss provision to net charge-offs | 173.1707% | 1,146 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,297 |
| Efficiency ratio | 78.5714% | 2,399 |
| Assets per employee ($millions) | 3.3191% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1128% | 1,299 |
| Loan loss allowance to noncurrent loans | 201.2966% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 9.3780% | 125 |
| Noncurrent loans to loans | 1.0496% | 3,324 |
| Net loans and leases to total assets | 57.7882% | 3,876 |
| Net loans and leases to deposits | 64.6271% | 4,255 |
| Net loans and leases to core deposits | 71.8440% | 3,887 |
| Total domestic deposits to total assets | 89.4179% | 1,413 |
| Equity capital to assets | 10.1834% | 3,616 |
| Core capital (leverage) ratio | 8.1325% | 6,009 |
| Tier 1 risk-based capital ratio | 11.2089% | 6,071 |
| Total risk-based capital ratio | 12.4651% | 6,011 |
| Memoranda: | ||
| Average total assets | $99,942,000 | 4,738 |
| Average earning assets | $79,248,000 | 5,046 |
| Average equity | $10,042,000 | 4,806 |
| Average total loans | $58,884,500 | 4,625 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7317% | 259 |
| Cost of funding earning assets | 0.7771% | 1,335 |
| Net interest margin | 4.9546% | 327 |
| Noninterest income to average assets | 0.2070% | 5,845 |
| Noninterest expense to average assets | 3.6209% | 1,414 |
| Loan and lease loss provision to assets | 0.0243% | 4,640 |
| Net operating income to assets | 0.2887% | 5,561 |
| Return on assets (ROA) | 0.2887% | 5,654 |
| Pretax return on assets | 0.4539% | 5,347 |
| Return on Equity (ROE) | 2.9797% | 5,516 |
| Retained earnings to average equity (ytd only) | 2.9797% | 4,122 |
| Net charge-offs to loans | -0.0489% | 6,332 |
| Credit loss provision to net charge-offs | -83.3333% | 5,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3329% | 1,180 |
| Assets per employee ($millions) | 3.3437% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0548% | 1,435 |
| Loan loss allowance to noncurrent loans | 174.1379% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 10.0598% | 125 |
| Noncurrent loans to loans | 1.1800% | 3,186 |
| Net loans and leases to total assets | 57.5945% | 4,101 |
| Net loans and leases to deposits | 64.1452% | 4,491 |
| Net loans and leases to core deposits | 70.3288% | 4,259 |
| Total domestic deposits to total assets | 89.7877% | 1,189 |
| Equity capital to assets | 9.9133% | 3,880 |
| Core capital (leverage) ratio | 8.0226% | 6,115 |
| Tier 1 risk-based capital ratio | 11.1397% | 6,101 |
| Total risk-based capital ratio | 12.3955% | 6,051 |
| Memoranda: | ||
| Average total assets | $102,875,200 | 4,675 |
| Average earning assets | $80,814,400 | 5,015 |
| Average equity | $9,967,400 | 4,852 |
| Average total loans | $61,316,200 | 4,569 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7703% | 247 |
| Cost of funding earning assets | 0.7961% | 1,347 |
| Net interest margin | 4.9742% | 335 |
| Noninterest income to average assets | 0.1339% | 6,353 |
| Noninterest expense to average assets | 3.5497% | 1,493 |
| Loan and lease loss provision to assets | 0.0322% | 4,369 |
| Net operating income to assets | 0.2834% | 5,667 |
| Return on assets (ROA) | 0.2834% | 5,773 |
| Pretax return on assets | 0.4469% | 5,505 |
| Return on Equity (ROE) | 2.9412% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.9412% | 4,565 |
| Net charge-offs to loans | -0.0388% | 6,227 |
| Credit loss provision to net charge-offs | -138.8889% | 5,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1074% | 1,163 |
| Assets per employee ($millions) | 3.3346% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9403% | 1,887 |
| Loan loss allowance to noncurrent loans | 42.3430% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 12.1283% | 84 |
| Noncurrent loans to loans | 4.5823% | 702 |
| Net loans and leases to total assets | 60.6224% | 3,592 |
| Net loans and leases to deposits | 67.6619% | 4,104 |
| Net loans and leases to core deposits | 74.2110% | 3,817 |
| Total domestic deposits to total assets | 89.5961% | 1,228 |
| Equity capital to assets | 9.9221% | 4,022 |
| Core capital (leverage) ratio | 7.9657% | 6,244 |
| Tier 1 risk-based capital ratio | 10.5456% | 6,439 |
| Total risk-based capital ratio | 11.7999% | 6,412 |
| Memoranda: | ||
| Average total assets | $103,516,500 | 4,704 |
| Average earning assets | $81,057,000 | 5,054 |
| Average equity | $9,973,250 | 4,911 |
| Average total loans | $61,899,000 | 4,585 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7155% | 271 |
| Cost of funding earning assets | 0.8183% | 1,317 |
| Net interest margin | 4.8973% | 372 |
| Noninterest income to average assets | 0.0363% | 6,708 |
| Noninterest expense to average assets | 3.5424% | 1,517 |
| Loan and lease loss provision to assets | 0.0478% | 4,017 |
| Net operating income to assets | 0.1700% | 5,976 |
| Return on assets (ROA) | 0.1700% | 6,090 |
| Pretax return on assets | 0.2656% | 5,963 |
| Return on Equity (ROE) | 1.7820% | 6,020 |
| Retained earnings to average equity (ytd only) | 1.7820% | 5,123 |
| Net charge-offs to loans | 0.0388% | 4,134 |
| Credit loss provision to net charge-offs | 208.3333% | 1,152 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,883 |
| Efficiency ratio | 91.8731% | 900 |
| Assets per employee ($millions) | 3.3361% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 2,352 |
| Loan loss allowance to noncurrent loans | 37.6206% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 13.0903% | 84 |
| Noncurrent loans to loans | 4.8505% | 687 |
| Net loans and leases to total assets | 62.8954% | 3,118 |
| Net loans and leases to deposits | 70.2635% | 3,683 |
| Net loans and leases to core deposits | 77.3048% | 3,383 |
| Total domestic deposits to total assets | 89.5136% | 1,315 |
| Equity capital to assets | 9.8729% | 4,089 |
| Core capital (leverage) ratio | 7.4931% | 6,455 |
| Tier 1 risk-based capital ratio | 9.4930% | 6,723 |
| Total risk-based capital ratio | 10.7454% | 6,704 |
| Memoranda: | ||
| Average total assets | $104,675,670 | 4,710 |
| Average earning assets | $81,637,330 | 5,064 |
| Average equity | $9,989,000 | 4,940 |
| Average total loans | $61,916,670 | 4,607 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5716% | 330 |
| Cost of funding earning assets | 0.8365% | 1,334 |
| Net interest margin | 4.7352% | 447 |
| Noninterest income to average assets | -0.1346% | 6,930 |
| Noninterest expense to average assets | 3.5448% | 1,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0037% | 6,337 |
| Return on assets (ROA) | 0.0037% | 6,413 |
| Pretax return on assets | 0.0037% | 6,405 |
| Return on Equity (ROE) | 0.0398% | 6,414 |
| Retained earnings to average equity (ytd only) | 0.0398% | 5,758 |
| Net charge-offs to loans | -0.0789% | 6,341 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8946% | 547 |
| Assets per employee ($millions) | 3.5446% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9371% | 2,207 |
| Loan loss allowance to noncurrent loans | 40.3800% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 13.9462% | 93 |
| Noncurrent loans to loans | 4.7973% | 820 |
| Net loans and leases to total assets | 55.6514% | 4,141 |
| Net loans and leases to deposits | 61.8396% | 4,567 |
| Net loans and leases to core deposits | 69.1518% | 4,167 |
| Total domestic deposits to total assets | 89.9931% | 1,062 |
| Equity capital to assets | 9.4417% | 4,935 |
| Core capital (leverage) ratio | 7.1564% | 6,594 |
| Tier 1 risk-based capital ratio | 9.5358% | 6,758 |
| Total risk-based capital ratio | 10.7884% | 6,745 |
| Memoranda: | ||
| Average total assets | $106,972,500 | 4,681 |
| Average earning assets | $83,207,000 | 5,060 |
| Average equity | $10,043,000 | 4,975 |
| Average total loans | $60,816,500 | 4,680 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8622% | 334 |
| Cost of funding earning assets | 1.0418% | 1,157 |
| Net interest margin | 4.8204% | 526 |
| Noninterest income to average assets | 0.5539% | 3,551 |
| Noninterest expense to average assets | 3.7143% | 1,388 |
| Loan and lease loss provision to assets | 0.1389% | 3,873 |
| Net operating income to assets | 0.2474% | 5,641 |
| Return on assets (ROA) | 0.2474% | 5,842 |
| Pretax return on assets | 0.4042% | 5,565 |
| Return on Equity (ROE) | 2.7897% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.7897% | 4,278 |
| Net charge-offs to loans | 0.7023% | 1,683 |
| Credit loss provision to net charge-offs | 37.0813% | 4,986 |
| Earnings coverage of net charge-offs (x) | 1.4498% | 4,723 |
| Efficiency ratio | 87.2421% | 1,303 |
| Assets per employee ($millions) | 3.5869% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8879% | 2,329 |
| Loan loss allowance to noncurrent loans | 44.0259% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 14.1003% | 92 |
| Noncurrent loans to loans | 4.2881% | 1,032 |
| Net loans and leases to total assets | 55.8778% | 4,314 |
| Net loans and leases to deposits | 62.0066% | 4,784 |
| Net loans and leases to core deposits | 69.0178% | 4,438 |
| Total domestic deposits to total assets | 90.1160% | 892 |
| Equity capital to assets | 9.3357% | 5,101 |
| Core capital (leverage) ratio | 6.9913% | 6,703 |
| Tier 1 risk-based capital ratio | 9.5115% | 6,798 |
| Total risk-based capital ratio | 10.7647% | 6,788 |
| Memoranda: | ||
| Average total assets | $111,570,000 | 4,556 |
| Average earning assets | $85,718,200 | 4,969 |
| Average equity | $9,893,600 | 5,000 |
| Average total loans | $59,515,000 | 4,730 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8895% | 341 |
| Cost of funding earning assets | 1.0839% | 1,132 |
| Net interest margin | 4.8056% | 557 |
| Noninterest income to average assets | 0.6621% | 2,919 |
| Noninterest expense to average assets | 3.6969% | 1,365 |
| Loan and lease loss provision to assets | 0.1836% | 3,291 |
| Net operating income to assets | 0.3364% | 5,491 |
| Return on assets (ROA) | 0.3364% | 5,689 |
| Pretax return on assets | 0.4631% | 5,558 |
| Return on Equity (ROE) | 3.8421% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.8421% | 4,187 |
| Net charge-offs to loans | 0.8735% | 1,258 |
| Credit loss provision to net charge-offs | 40.0517% | 4,619 |
| Earnings coverage of net charge-offs (x) | 1.4108% | 4,589 |
| Efficiency ratio | 85.1104% | 1,465 |
| Assets per employee ($millions) | 3.6668% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0721% | 1,973 |
| Loan loss allowance to noncurrent loans | 44.9830% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 15.3341% | 85 |
| Noncurrent loans to loans | 4.6063% | 1,015 |
| Net loans and leases to total assets | 51.0404% | 5,184 |
| Net loans and leases to deposits | 56.6308% | 5,575 |
| Net loans and leases to core deposits | 63.2303% | 5,243 |
| Total domestic deposits to total assets | 90.1285% | 777 |
| Equity capital to assets | 9.1352% | 5,662 |
| Core capital (leverage) ratio | 6.8978% | 6,816 |
| Tier 1 risk-based capital ratio | 9.5257% | 6,895 |
| Total risk-based capital ratio | 10.7790% | 6,885 |
| Memoranda: | ||
| Average total assets | $112,560,500 | 4,573 |
| Average earning assets | $86,230,250 | 5,009 |
| Average equity | $9,855,500 | 5,060 |
| Average total loans | $59,072,250 | 4,795 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9849% | 297 |
| Cost of funding earning assets | 1.1042% | 1,205 |
| Net interest margin | 4.8807% | 490 |
| Noninterest income to average assets | 0.6878% | 2,731 |
| Noninterest expense to average assets | 3.7244% | 1,332 |
| Loan and lease loss provision to assets | 0.2733% | 2,398 |
| Net operating income to assets | 0.2927% | 5,645 |
| Return on assets (ROA) | 0.2927% | 5,847 |
| Pretax return on assets | 0.4391% | 5,604 |
| Return on Equity (ROE) | 3.3909% | 5,528 |
| Retained earnings to average equity (ytd only) | 3.3909% | 4,344 |
| Net charge-offs to loans | 1.2171% | 887 |
| Credit loss provision to net charge-offs | 42.6997% | 4,200 |
| Earnings coverage of net charge-offs (x) | 1.1129% | 4,458 |
| Efficiency ratio | 83.9428% | 1,641 |
| Assets per employee ($millions) | 3.5754% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0513% | 2,110 |
| Loan loss allowance to noncurrent loans | 47.4922% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 15.0780% | 98 |
| Noncurrent loans to loans | 4.3192% | 1,245 |
| Net loans and leases to total assets | 50.5830% | 5,284 |
| Net loans and leases to deposits | 55.7350% | 5,680 |
| Net loans and leases to core deposits | 63.9537% | 5,212 |
| Total domestic deposits to total assets | 90.7562% | 544 |
| Equity capital to assets | 8.6748% | 6,053 |
| Core capital (leverage) ratio | 6.6247% | 6,900 |
| Tier 1 risk-based capital ratio | 8.9660% | 6,987 |
| Total risk-based capital ratio | 10.2188% | 6,989 |
| Memoranda: | ||
| Average total assets | $113,413,000 | 4,578 |
| Average earning assets | $87,119,330 | 5,022 |
| Average equity | $9,791,000 | 5,078 |
| Average total loans | $59,651,670 | 4,805 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9890% | 310 |
| Cost of funding earning assets | 1.1212% | 1,292 |
| Net interest margin | 4.8678% | 491 |
| Noninterest income to average assets | 0.5172% | 3,798 |
| Noninterest expense to average assets | 3.7693% | 1,255 |
| Loan and lease loss provision to assets | 0.3365% | 1,862 |
| Net operating income to assets | 0.1169% | 6,203 |
| Return on assets (ROA) | 0.1169% | 6,331 |
| Pretax return on assets | 0.1488% | 6,297 |
| Return on Equity (ROE) | 1.3575% | 6,272 |
| Retained earnings to average equity (ytd only) | 1.3575% | 5,557 |
| Net charge-offs to loans | -0.1935% | 6,984 |
| Credit loss provision to net charge-offs | -327.5862% | 5,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5928% | 1,216 |
| Assets per employee ($millions) | 3.3546% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5655% | 1,269 |
| Loan loss allowance to noncurrent loans | 138.1038% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 13.8386% | 132 |
| Noncurrent loans to loans | 1.8577% | 3,335 |
| Net loans and leases to total assets | 51.4116% | 5,090 |
| Net loans and leases to deposits | 56.4972% | 5,547 |
| Net loans and leases to core deposits | 64.8210% | 5,033 |
| Total domestic deposits to total assets | 90.9984% | 557 |
| Equity capital to assets | 8.5115% | 6,073 |
| Core capital (leverage) ratio | 6.7134% | 6,927 |
| Tier 1 risk-based capital ratio | 8.9919% | 7,029 |
| Total risk-based capital ratio | 10.2492% | 7,035 |
| Memoranda: | ||
| Average total assets | $112,913,500 | 4,621 |
| Average earning assets | $86,692,000 | 5,061 |
| Average equity | $9,724,000 | 5,113 |
| Average total loans | $59,935,000 | 4,821 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3185% | 248 |
| Cost of funding earning assets | 1.2883% | 1,536 |
| Net interest margin | 5.0302% | 392 |
| Noninterest income to average assets | 0.6706% | 2,779 |
| Noninterest expense to average assets | 4.3047% | 717 |
| Loan and lease loss provision to assets | 3.1616% | 111 |
| Net operating income to assets | -1.7698% | 6,979 |
| Return on assets (ROA) | -1.6693% | 6,965 |
| Pretax return on assets | -2.6865% | 7,146 |
| Return on Equity (ROE) | -17.1439% | 6,935 |
| Retained earnings to average equity (ytd only) | -17.1439% | 6,917 |
| Net charge-offs to loans | 6.8851% | 31 |
| Credit loss provision to net charge-offs | 77.1294% | 4,591 |
| Earnings coverage of net charge-offs (x) | 0.0776% | 5,770 |
| Efficiency ratio | 93.1191% | 974 |
| Assets per employee ($millions) | 3.1934% | 5,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3791% | 1,496 |
| Loan loss allowance to noncurrent loans | 127.8128% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 14.3170% | 142 |
| Noncurrent loans to loans | 1.8614% | 3,399 |
| Net loans and leases to total assets | 52.1316% | 5,294 |
| Net loans and leases to deposits | 57.3556% | 5,769 |
| Net loans and leases to core deposits | 65.6766% | 5,291 |
| Total domestic deposits to total assets | 90.8919% | 545 |
| Equity capital to assets | 8.7144% | 5,881 |
| Core capital (leverage) ratio | 6.5370% | 6,975 |
| Tier 1 risk-based capital ratio | 9.0299% | 7,029 |
| Total risk-based capital ratio | 10.2860% | 7,031 |
| Memoranda: | ||
| Average total assets | $119,150,200 | 4,424 |
| Average earning assets | $93,614,000 | 4,821 |
| Average equity | $11,601,800 | 4,637 |
| Average total loans | $70,935,400 | 4,456 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4621% | 206 |
| Cost of funding earning assets | 1.3047% | 1,673 |
| Net interest margin | 5.1574% | 309 |
| Noninterest income to average assets | 0.7581% | 2,273 |
| Noninterest expense to average assets | 3.8414% | 1,246 |
| Loan and lease loss provision to assets | 0.4793% | 2,073 |
| Net operating income to assets | 0.3333% | 5,276 |
| Return on assets (ROA) | 0.4672% | 4,881 |
| Pretax return on assets | 0.7207% | 4,401 |
| Return on Equity (ROE) | 4.6847% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.6847% | 3,393 |
| Net charge-offs to loans | 0.9383% | 1,714 |
| Credit loss provision to net charge-offs | 83.8150% | 4,011 |
| Earnings coverage of net charge-offs (x) | 1.7380% | 4,351 |
| Efficiency ratio | 79.4439% | 2,341 |
| Assets per employee ($millions) | 3.3110% | 5,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5446% | 546 |
| Loan loss allowance to noncurrent loans | 33.9187% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 16.1360% | 104 |
| Noncurrent loans to loans | 10.4504% | 324 |
| Net loans and leases to total assets | 57.6007% | 4,566 |
| Net loans and leases to deposits | 64.7712% | 5,080 |
| Net loans and leases to core deposits | 74.2624% | 4,413 |
| Total domestic deposits to total assets | 88.9294% | 1,464 |
| Equity capital to assets | 10.5122% | 3,695 |
| Core capital (leverage) ratio | 9.3045% | 4,447 |
| Tier 1 risk-based capital ratio | 12.6441% | 5,374 |
| Total risk-based capital ratio | 13.9139% | 5,338 |
| Memoranda: | ||
| Average total assets | $120,995,500 | 4,392 |
| Average earning assets | $95,652,500 | 4,789 |
| Average equity | $12,067,250 | 4,553 |
| Average total loans | $73,747,500 | 4,393 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8669% | 125 |
| Cost of funding earning assets | 1.3364% | 1,719 |
| Net interest margin | 5.5305% | 172 |
| Noninterest income to average assets | 0.8672% | 1,752 |
| Noninterest expense to average assets | 3.5876% | 1,769 |
| Loan and lease loss provision to assets | 0.7091% | 1,330 |
| Net operating income to assets | 0.5773% | 4,167 |
| Return on assets (ROA) | 0.7547% | 3,397 |
| Pretax return on assets | 1.1850% | 2,540 |
| Return on Equity (ROE) | 7.6981% | 3,098 |
| Retained earnings to average equity (ytd only) | 7.6981% | 1,583 |
| Net charge-offs to loans | 1.3234% | 1,158 |
| Credit loss provision to net charge-offs | 87.3494% | 3,535 |
| Earnings coverage of net charge-offs (x) | 1.9920% | 3,873 |
| Efficiency ratio | 68.9320% | 4,337 |
| Assets per employee ($millions) | 3.4041% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5307% | 586 |
| Loan loss allowance to noncurrent loans | 86.4733% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 12.6972% | 223 |
| Noncurrent loans to loans | 4.0829% | 1,688 |
| Net loans and leases to total assets | 56.7364% | 4,863 |
| Net loans and leases to deposits | 63.6552% | 5,319 |
| Net loans and leases to core deposits | 72.6368% | 4,741 |
| Total domestic deposits to total assets | 89.1308% | 1,453 |
| Equity capital to assets | 10.2716% | 3,789 |
| Core capital (leverage) ratio | 8.9962% | 4,731 |
| Tier 1 risk-based capital ratio | 12.6161% | 5,246 |
| Total risk-based capital ratio | 13.8853% | 5,197 |
| Memoranda: | ||
| Average total assets | $122,699,330 | 4,369 |
| Average earning assets | $96,229,670 | 4,807 |
| Average equity | $12,029,000 | 4,552 |
| Average total loans | $75,262,330 | 4,377 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3396% | 264 |
| Cost of funding earning assets | 1.3745% | 1,747 |
| Net interest margin | 4.9650% | 409 |
| Noninterest income to average assets | 1.1793% | 923 |
| Noninterest expense to average assets | 3.3966% | 2,289 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0508% | 1,996 |
| Return on assets (ROA) | 1.0508% | 2,049 |
| Pretax return on assets | 1.6131% | 1,158 |
| Return on Equity (ROE) | 10.9690% | 1,751 |
| Retained earnings to average equity (ytd only) | 10.9690% | 905 |
| Net charge-offs to loans | 1.6286% | 824 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.5836% | 3,525 |
| Efficiency ratio | 67.7999% | 4,695 |
| Assets per employee ($millions) | 3.4489% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9415% | 965 |
| Loan loss allowance to noncurrent loans | 63.2298% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 11.3941% | 306 |
| Noncurrent loans to loans | 4.6521% | 1,492 |
| Net loans and leases to total assets | 58.9976% | 4,463 |
| Net loans and leases to deposits | 65.8220% | 4,998 |
| Net loans and leases to core deposits | 74.4068% | 4,493 |
| Total domestic deposits to total assets | 89.6320% | 1,407 |
| Equity capital to assets | 9.7196% | 4,149 |
| Core capital (leverage) ratio | 8.7077% | 5,078 |
| Tier 1 risk-based capital ratio | 11.7473% | 5,896 |
| Total risk-based capital ratio | 13.0115% | 5,899 |
| Memoranda: | ||
| Average total assets | $124,477,000 | 4,366 |
| Average earning assets | $96,032,000 | 4,853 |
| Average equity | $11,924,500 | 4,568 |
| Average total loans | $77,857,500 | 4,331 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2883% | 474 |
| Cost of funding earning assets | 1.9434% | 734 |
| Net interest margin | 4.3448% | 1,664 |
| Noninterest income to average assets | 0.2264% | 6,186 |
| Noninterest expense to average assets | 4.1628% | 948 |
| Loan and lease loss provision to assets | 2.7095% | 387 |
| Net operating income to assets | -2.0458% | 7,069 |
| Return on assets (ROA) | -2.0458% | 7,080 |
| Pretax return on assets | -3.2072% | 7,330 |
| Return on Equity (ROE) | -24.9414% | 7,135 |
| Retained earnings to average equity (ytd only) | -24.9414% | 7,115 |
| Net charge-offs to loans | 5.0588% | 171 |
| Credit loss provision to net charge-offs | 76.5594% | 5,681 |
| Earnings coverage of net charge-offs (x) | -0.1406% | 6,253 |
| Efficiency ratio | 113.5807% | 479 |
| Assets per employee ($millions) | 3.4665% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1616% | 758 |
| Loan loss allowance to noncurrent loans | 76.7161% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 11.4253% | 318 |
| Noncurrent loans to loans | 4.1212% | 1,755 |
| Net loans and leases to total assets | 62.2679% | 4,228 |
| Net loans and leases to deposits | 69.2073% | 4,926 |
| Net loans and leases to core deposits | 78.8853% | 4,361 |
| Total domestic deposits to total assets | 89.9730% | 1,120 |
| Equity capital to assets | 9.4404% | 4,485 |
| Core capital (leverage) ratio | 8.0230% | 6,164 |
| Tier 1 risk-based capital ratio | 10.8894% | 6,420 |
| Total risk-based capital ratio | 12.1568% | 6,375 |
| Memoranda: | ||
| Average total assets | $140,433,200 | 4,048 |
| Average earning assets | $111,143,400 | 4,439 |
| Average equity | $11,519,000 | 4,726 |
| Average total loans | $98,244,800 | 3,849 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8666% | 1,212 |
| Cost of funding earning assets | 2.0215% | 705 |
| Net interest margin | 3.8451% | 3,772 |
| Noninterest income to average assets | 0.2088% | 6,415 |
| Noninterest expense to average assets | 3.3789% | 2,359 |
| Loan and lease loss provision to assets | 2.1744% | 518 |
| Net operating income to assets | -1.3698% | 7,060 |
| Return on assets (ROA) | -1.3698% | 7,082 |
| Pretax return on assets | -2.2400% | 7,258 |
| Return on Equity (ROE) | -17.2635% | 7,165 |
| Retained earnings to average equity (ytd only) | -17.2635% | 7,143 |
| Net charge-offs to loans | 6.2185% | 87 |
| Credit loss provision to net charge-offs | 49.1235% | 5,899 |
| Earnings coverage of net charge-offs (x) | -0.0148% | 6,042 |
| Efficiency ratio | 101.9794% | 686 |
| Assets per employee ($millions) | 3.5603% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 4,095 |
| Loan loss allowance to noncurrent loans | 22.2261% | 6,803 |
| Noncurrent assets plus other real estate owned to assets | 13.4335% | 209 |
| Noncurrent loans to loans | 6.6226% | 888 |
| Net loans and leases to total assets | 64.2283% | 4,077 |
| Net loans and leases to deposits | 71.8845% | 4,860 |
| Net loans and leases to core deposits | 82.7438% | 4,120 |
| Total domestic deposits to total assets | 89.3494% | 1,204 |
| Equity capital to assets | 10.0888% | 4,039 |
| Core capital (leverage) ratio | 9.4586% | 3,963 |
| Tier 1 risk-based capital ratio | 12.5899% | 4,902 |
| Total risk-based capital ratio | 13.8041% | 4,914 |
| Memoranda: | ||
| Average total assets | $144,343,250 | 4,029 |
| Average earning assets | $116,543,000 | 4,370 |
| Average equity | $11,453,500 | 4,824 |
| Average total loans | $102,745,250 | 3,773 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5556% | 2,311 |
| Cost of funding earning assets | 2.0889% | 686 |
| Net interest margin | 3.4667% | 5,378 |
| Noninterest income to average assets | 0.4053% | 4,871 |
| Noninterest expense to average assets | 3.2824% | 2,616 |
| Loan and lease loss provision to assets | 2.5891% | 432 |
| Net operating income to assets | -1.6331% | 7,196 |
| Return on assets (ROA) | -1.6331% | 7,207 |
| Pretax return on assets | -2.6173% | 7,393 |
| Return on Equity (ROE) | -22.3773% | 7,328 |
| Retained earnings to average equity (ytd only) | -22.3773% | 7,312 |
| Net charge-offs to loans | 6.0884% | 130 |
| Credit loss provision to net charge-offs | 58.2904% | 5,249 |
| Earnings coverage of net charge-offs (x) | -0.0064% | 5,721 |
| Efficiency ratio | 100.8688% | 776 |
| Assets per employee ($millions) | 3.8734% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4661% | 1,344 |
| Loan loss allowance to noncurrent loans | 19.9366% | 6,943 |
| Noncurrent assets plus other real estate owned to assets | 17.7502% | 82 |
| Noncurrent loans to loans | 12.3699% | 264 |
| Net loans and leases to total assets | 65.9720% | 3,839 |
| Net loans and leases to deposits | 71.7841% | 5,030 |
| Net loans and leases to core deposits | 81.6473% | 4,468 |
| Total domestic deposits to total assets | 91.9034% | 237 |
| Equity capital to assets | 7.5064% | 7,113 |
| Core capital (leverage) ratio | 7.0686% | 7,151 |
| Tier 1 risk-based capital ratio | 9.3271% | 7,326 |
| Total risk-based capital ratio | 10.5873% | 7,321 |
| Memoranda: | ||
| Average total assets | $148,547,670 | 3,978 |
| Average earning assets | $122,074,000 | 4,270 |
| Average equity | $10,841,330 | 4,958 |
| Average total loans | $108,369,670 | 3,671 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5863% | 2,210 |
| Cost of funding earning assets | 2.1085% | 794 |
| Net interest margin | 3.4778% | 5,253 |
| Noninterest income to average assets | 0.3632% | 5,234 |
| Noninterest expense to average assets | 3.0751% | 3,367 |
| Loan and lease loss provision to assets | 5.0241% | 158 |
| Net operating income to assets | -2.9131% | 7,626 |
| Return on assets (ROA) | -2.9131% | 7,623 |
| Pretax return on assets | -4.8230% | 7,752 |
| Return on Equity (ROE) | -40.4407% | 7,653 |
| Retained earnings to average equity (ytd only) | -40.4407% | 7,637 |
| Net charge-offs to loans | 3.1544% | 473 |
| Credit loss provision to net charge-offs | 211.3187% | 1,761 |
| Earnings coverage of net charge-offs (x) | 0.0846% | 4,957 |
| Efficiency ratio | 93.8596% | 1,141 |
| Assets per employee ($millions) | 3.8352% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2305% | 305 |
| Loan loss allowance to noncurrent loans | 28.9317% | 6,466 |
| Noncurrent assets plus other real estate owned to assets | 14.9532% | 137 |
| Noncurrent loans to loans | 14.6223% | 195 |
| Net loans and leases to total assets | 71.3618% | 2,595 |
| Net loans and leases to deposits | 77.0922% | 4,206 |
| Net loans and leases to core deposits | 89.9043% | 3,374 |
| Total domestic deposits to total assets | 92.5668% | 159 |
| Equity capital to assets | 7.0140% | 7,361 |
| Core capital (leverage) ratio | 6.8412% | 7,332 |
| Tier 1 risk-based capital ratio | 8.7616% | 7,526 |
| Total risk-based capital ratio | 10.0448% | 7,539 |
| Memoranda: | ||
| Average total assets | $153,101,000 | 3,959 |
| Average earning assets | $128,242,000 | 4,188 |
| Average equity | $11,028,500 | 4,967 |
| Average total loans | $115,395,500 | 3,555 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2446% | 191 |
| Cost of funding earning assets | 2.5422% | 917 |
| Net interest margin | 4.7024% | 829 |
| Noninterest income to average assets | 0.4790% | 4,581 |
| Noninterest expense to average assets | 2.9002% | 4,529 |
| Loan and lease loss provision to assets | 3.9872% | 341 |
| Net operating income to assets | -1.4080% | 6,816 |
| Return on assets (ROA) | -1.4080% | 6,820 |
| Pretax return on assets | -2.3302% | 7,077 |
| Return on Equity (ROE) | -16.7579% | 7,021 |
| Retained earnings to average equity (ytd only) | -16.7579% | 6,975 |
| Net charge-offs to loans | 3.7235% | 497 |
| Credit loss provision to net charge-offs | 134.2650% | 3,707 |
| Earnings coverage of net charge-offs (x) | 0.5580% | 5,549 |
| Efficiency ratio | 63.6400% | 5,843 |
| Assets per employee ($millions) | 3.9157% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1021% | 715 |
| Loan loss allowance to noncurrent loans | 82.2301% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 7.3032% | 678 |
| Noncurrent loans to loans | 3.7725% | 1,989 |
| Net loans and leases to total assets | 73.8280% | 2,309 |
| Net loans and leases to deposits | 80.0111% | 3,986 |
| Net loans and leases to core deposits | 121.1571% | 1,864 |
| Total domestic deposits to total assets | 92.2722% | 218 |
| Equity capital to assets | 7.3843% | 7,133 |
| Core capital (leverage) ratio | 7.0771% | 7,171 |
| Tier 1 risk-based capital ratio | 9.0189% | 7,460 |
| Total risk-based capital ratio | 10.2891% | 7,471 |
| Memoranda: | ||
| Average total assets | $162,646,400 | 3,717 |
| Average earning assets | $141,056,800 | 3,877 |
| Average equity | $13,665,200 | 4,347 |
| Average total loans | $129,715,600 | 3,276 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3814% | 170 |
| Cost of funding earning assets | 2.6194% | 984 |
| Net interest margin | 4.7621% | 734 |
| Noninterest income to average assets | 0.4784% | 4,682 |
| Noninterest expense to average assets | 2.8485% | 4,678 |
| Loan and lease loss provision to assets | 1.2151% | 1,596 |
| Net operating income to assets | 0.3785% | 4,487 |
| Return on assets (ROA) | 0.3785% | 4,588 |
| Pretax return on assets | 0.5775% | 4,268 |
| Return on Equity (ROE) | 4.3786% | 4,219 |
| Retained earnings to average equity (ytd only) | 4.3786% | 2,828 |
| Net charge-offs to loans | 2.2311% | 861 |
| Credit loss provision to net charge-offs | 67.5700% | 6,029 |
| Earnings coverage of net charge-offs (x) | 0.9968% | 5,056 |
| Efficiency ratio | 61.3756% | 6,215 |
| Assets per employee ($millions) | 4.1200% | 3,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 6,193 |
| Loan loss allowance to noncurrent loans | 30.6928% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 5.6948% | 977 |
| Noncurrent loans to loans | 3.3048% | 2,284 |
| Net loans and leases to total assets | 78.6966% | 1,445 |
| Net loans and leases to deposits | 86.7679% | 3,174 |
| Net loans and leases to core deposits | 130.9280% | 1,376 |
| Total domestic deposits to total assets | 90.6978% | 514 |
| Equity capital to assets | 8.7160% | 5,932 |
| Core capital (leverage) ratio | 8.8253% | 4,938 |
| Tier 1 risk-based capital ratio | 10.0535% | 6,924 |
| Total risk-based capital ratio | 10.9850% | 7,169 |
| Memoranda: | ||
| Average total assets | $164,150,750 | 3,720 |
| Average earning assets | $143,491,500 | 3,852 |
| Average equity | $14,190,000 | 4,244 |
| Average total loans | $132,310,000 | 3,257 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7508% | 118 |
| Cost of funding earning assets | 2.7578% | 884 |
| Net interest margin | 4.9930% | 434 |
| Noninterest income to average assets | 0.4172% | 5,144 |
| Noninterest expense to average assets | 2.8829% | 4,566 |
| Loan and lease loss provision to assets | 0.8491% | 1,972 |
| Net operating income to assets | 0.6633% | 3,414 |
| Return on assets (ROA) | 0.6649% | 3,520 |
| Pretax return on assets | 1.0480% | 2,814 |
| Return on Equity (ROE) | 7.7130% | 2,885 |
| Retained earnings to average equity (ytd only) | 7.7130% | 1,311 |
| Net charge-offs to loans | 0.7308% | 2,223 |
| Credit loss provision to net charge-offs | 143.5052% | 3,236 |
| Earnings coverage of net charge-offs (x) | 3.2021% | 3,528 |
| Efficiency ratio | 60.3422% | 6,489 |
| Assets per employee ($millions) | 3.8258% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 2,339 |
| Loan loss allowance to noncurrent loans | 205.4595% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 3.2728% | 1,903 |
| Noncurrent loans to loans | 0.8288% | 5,570 |
| Net loans and leases to total assets | 79.2284% | 1,479 |
| Net loans and leases to deposits | 87.3613% | 3,291 |
| Net loans and leases to core deposits | 130.1041% | 1,547 |
| Total domestic deposits to total assets | 90.6904% | 560 |
| Equity capital to assets | 8.7066% | 5,743 |
| Core capital (leverage) ratio | 8.8570% | 4,850 |
| Tier 1 risk-based capital ratio | 9.9144% | 7,023 |
| Total risk-based capital ratio | 11.1681% | 6,946 |
| Memoranda: | ||
| Average total assets | $163,934,330 | 3,743 |
| Average earning assets | $143,159,330 | 3,875 |
| Average equity | $14,132,000 | 4,277 |
| Average total loans | $132,739,670 | 3,293 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0593% | 88 |
| Cost of funding earning assets | 2.8601% | 850 |
| Net interest margin | 5.1992% | 281 |
| Noninterest income to average assets | 0.3251% | 5,853 |
| Noninterest expense to average assets | 2.7205% | 4,912 |
| Loan and lease loss provision to assets | 0.5744% | 2,189 |
| Net operating income to assets | 0.9941% | 2,335 |
| Return on assets (ROA) | 0.9973% | 2,459 |
| Pretax return on assets | 1.6206% | 1,360 |
| Return on Equity (ROE) | 11.6268% | 1,781 |
| Retained earnings to average equity (ytd only) | 11.6268% | 863 |
| Net charge-offs to loans | 0.4728% | 2,264 |
| Credit loss provision to net charge-offs | 149.6815% | 2,796 |
| Earnings coverage of net charge-offs (x) | 5.7070% | 2,619 |
| Efficiency ratio | 55.4007% | 7,051 |
| Assets per employee ($millions) | 3.8310% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 2,516 |
| Loan loss allowance to noncurrent loans | 63.1688% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 4.2991% | 1,152 |
| Noncurrent loans to loans | 2.5337% | 2,601 |
| Net loans and leases to total assets | 79.3072% | 1,517 |
| Net loans and leases to deposits | 87.5544% | 3,369 |
| Net loans and leases to core deposits | 130.5442% | 1,627 |
| Total domestic deposits to total assets | 90.5806% | 560 |
| Equity capital to assets | 8.6776% | 5,804 |
| Core capital (leverage) ratio | 8.8012% | 4,983 |
| Tier 1 risk-based capital ratio | 9.9507% | 6,983 |
| Total risk-based capital ratio | 11.2036% | 6,880 |
| Memoranda: | ||
| Average total assets | $163,647,500 | 3,768 |
| Average earning assets | $144,329,500 | 3,869 |
| Average equity | $14,036,500 | 4,328 |
| Average total loans | $132,812,000 | 3,305 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2085% | 148 |
| Cost of funding earning assets | 3.7171% | 251 |
| Net interest margin | 4.4913% | 1,448 |
| Noninterest income to average assets | 0.4404% | 5,114 |
| Noninterest expense to average assets | 2.6319% | 5,525 |
| Loan and lease loss provision to assets | 0.6079% | 2,390 |
| Net operating income to assets | 0.7700% | 3,570 |
| Return on assets (ROA) | 0.7704% | 3,413 |
| Pretax return on assets | 1.2027% | 2,628 |
| Return on Equity (ROE) | 9.1801% | 2,579 |
| Retained earnings to average equity (ytd only) | 7.2510% | 1,071 |
| Net charge-offs to loans | 0.5046% | 2,339 |
| Credit loss provision to net charge-offs | 145.1852% | 3,636 |
| Earnings coverage of net charge-offs (x) | 4.3230% | 4,020 |
| Efficiency ratio | 59.2515% | 6,487 |
| Assets per employee ($millions) | 3.9649% | 3,589 |
| Cash dividends to net income (ytd only)* | 21.0145% | 4,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 2,495 |
| Loan loss allowance to noncurrent loans | 66.0749% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 3.7783% | 1,136 |
| Noncurrent loans to loans | 2.3319% | 2,368 |
| Net loans and leases to total assets | 80.4658% | 1,559 |
| Net loans and leases to deposits | 88.4685% | 3,724 |
| Net loans and leases to core deposits | 148.5470% | 909 |
| Total domestic deposits to total assets | 90.9542% | 343 |
| Equity capital to assets | 8.4756% | 6,125 |
| Core capital (leverage) ratio | 8.7019% | 5,192 |
| Tier 1 risk-based capital ratio | 9.7364% | 7,037 |
| Total risk-based capital ratio | 10.9885% | 6,942 |
| Memoranda: | ||
| Average total assets | $161,214,800 | 3,701 |
| Average earning assets | $143,632,400 | 3,768 |
| Average equity | $13,529,200 | 4,445 |
| Average total loans | $133,775,800 | 3,203 |