Home > One World Bank > Performance and Condition Ratios
One World Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9939% | 120 |
| Cost of funding earning assets | 2.0045% | 911 |
| Net interest margin | 5.9894% | 111 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 4.0466% | 352 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.8350% | 583 |
| Return on assets (ROA) | 1.8350% | 565 |
| Pretax return on assets | 2.3228% | 419 |
| Return on Equity (ROE) | 10.1400% | 2,462 |
| Retained earnings to average equity (ytd only) | 7.9840% | 1,545 |
| Net charge-offs to loans | -0.0076% | 3,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.2537% | 2,805 |
| Assets per employee ($millions) | 6.0835% | 2,750 |
| Cash dividends to net income (ytd only)* | 21.2949% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 868 |
| Loan loss allowance to noncurrent loans | 3,403.1250% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 2,737 |
| Noncurrent loans to loans | 0.0465% | 3,387 |
| Net loans and leases to total assets | 61.8900% | 2,685 |
| Net loans and leases to deposits | 77.5091% | 2,315 |
| Net loans and leases to core deposits | 101.3709% | 1,363 |
| Total domestic deposits to total assets | 79.8500% | 3,487 |
| Equity capital to assets | 15.8763% | 474 |
| Core capital (leverage) ratio | 16.5041% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $183,487,000 | 3,098 |
| Average earning assets | $173,808,400 | 3,062 |
| Average equity | $33,191,200 | 2,135 |
| Average total loans | $132,140,000 | 2,842 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8893% | 118 |
| Cost of funding earning assets | 1.7765% | 1,050 |
| Net interest margin | 6.1128% | 96 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 4.3113% | 303 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.7066% | 791 |
| Return on assets (ROA) | 1.7066% | 779 |
| Pretax return on assets | 2.1602% | 589 |
| Return on Equity (ROE) | 9.0900% | 2,901 |
| Retained earnings to average equity (ytd only) | 6.1712% | 2,578 |
| Net charge-offs to loans | 0.0082% | 2,111 |
| Credit loss provision to net charge-offs | 2,562.5000% | 186 |
| Earnings coverage of net charge-offs (x) | 379.2500% | 377 |
| Efficiency ratio | 65.0461% | 2,381 |
| Assets per employee ($millions) | 5.4125% | 3,252 |
| Cash dividends to net income (ytd only)* | 32.0805% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 1,033 |
| Loan loss allowance to noncurrent loans | 3,079.7101% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 2,670 |
| Noncurrent loans to loans | 0.0497% | 3,400 |
| Net loans and leases to total assets | 68.2300% | 2,022 |
| Net loans and leases to deposits | 86.5114% | 1,511 |
| Net loans and leases to core deposits | 119.9161% | 552 |
| Total domestic deposits to total assets | 78.8600% | 3,717 |
| Equity capital to assets | 16.7885% | 407 |
| Core capital (leverage) ratio | 17.1210% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $174,607,500 | 3,179 |
| Average earning assets | $164,590,750 | 3,150 |
| Average equity | $32,796,500 | 2,136 |
| Average total loans | $130,746,250 | 2,857 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8204% | 111 |
| Cost of funding earning assets | 1.4191% | 1,395 |
| Net interest margin | 6.4013% | 81 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 4.4611% | 279 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.8138% | 641 |
| Return on assets (ROA) | 1.8138% | 641 |
| Pretax return on assets | 2.2956% | 471 |
| Return on Equity (ROE) | 9.2600% | 2,904 |
| Retained earnings to average equity (ytd only) | 4.8521% | 2,977 |
| Net charge-offs to loans | 0.0109% | 1,793 |
| Credit loss provision to net charge-offs | 1,642.8571% | 305 |
| Earnings coverage of net charge-offs (x) | 288.7143% | 462 |
| Efficiency ratio | 64.6987% | 2,407 |
| Assets per employee ($millions) | 5.3877% | 3,247 |
| Cash dividends to net income (ytd only)* | 47.6096% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 1,223 |
| Loan loss allowance to noncurrent loans | 2,644.1558% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 2,523 |
| Noncurrent loans to loans | 0.0562% | 3,294 |
| Net loans and leases to total assets | 71.6000% | 1,574 |
| Net loans and leases to deposits | 91.9246% | 1,028 |
| Net loans and leases to core deposits | 129.3995% | 338 |
| Total domestic deposits to total assets | 77.8900% | 3,860 |
| Equity capital to assets | 17.4095% | 368 |
| Core capital (leverage) ratio | 17.8904% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $166,056,000 | 3,239 |
| Average earning assets | $156,155,000 | 3,217 |
| Average equity | $32,521,667 | 2,164 |
| Average total loans | $128,076,667 | 2,872 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5929% | 78 |
| Cost of funding earning assets | 0.7651% | 2,857 |
| Net interest margin | 6.8278% | 55 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 4.8579% | 237 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.6899% | 838 |
| Return on assets (ROA) | 1.6899% | 832 |
| Pretax return on assets | 2.1395% | 624 |
| Return on Equity (ROE) | 8.0800% | 3,271 |
| Retained earnings to average equity (ytd only) | 8.0821% | 2,196 |
| Net charge-offs to loans | 0.0356% | 1,019 |
| Credit loss provision to net charge-offs | 590.9091% | 511 |
| Earnings coverage of net charge-offs (x) | 81.1818% | 887 |
| Efficiency ratio | 67.7966% | 1,993 |
| Assets per employee ($millions) | 4.1493% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 1,236 |
| Loan loss allowance to noncurrent loans | 2,446.9136% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 2,292 |
| Noncurrent loans to loans | 0.0615% | 3,295 |
| Net loans and leases to total assets | 80.1300% | 527 |
| Net loans and leases to deposits | 106.6629% | 236 |
| Net loans and leases to core deposits | 130.1597% | 271 |
| Total domestic deposits to total assets | 75.1200% | 4,211 |
| Equity capital to assets | 20.2053% | 227 |
| Core capital (leverage) ratio | 21.2725% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $154,799,500 | 3,380 |
| Average earning assets | $144,819,500 | 3,356 |
| Average equity | $32,368,000 | 2,198 |
| Average total loans | $123,588,000 | 2,944 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8072% | 108 |
| Cost of funding earning assets | 0.4571% | 1,670 |
| Net interest margin | 5.3501% | 98 |
| Noninterest income to average assets | 1.2200% | 455 |
| Noninterest expense to average assets | 4.0968% | 313 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.5642% | 753 |
| Return on assets (ROA) | 1.5642% | 716 |
| Pretax return on assets | 1.9789% | 499 |
| Return on Equity (ROE) | 9.5400% | 2,957 |
| Retained earnings to average equity (ytd only) | 7.7272% | 1,946 |
| Net charge-offs to loans | 0.1355% | 590 |
| Credit loss provision to net charge-offs | 171.7241% | 1,211 |
| Earnings coverage of net charge-offs (x) | 22.4207% | 1,838 |
| Efficiency ratio | 65.6560% | 2,274 |
| Assets per employee ($millions) | 4.3463% | 4,116 |
| Cash dividends to net income (ytd only)* | 18.9633% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 844 |
| Loan loss allowance to noncurrent loans | 387.1486% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 1,502 |
| Noncurrent loans to loans | 0.4311% | 1,632 |
| Net loans and leases to total assets | 76.8700% | 912 |
| Net loans and leases to deposits | 111.6828% | 137 |
| Net loans and leases to core deposits | 126.7060% | 268 |
| Total domestic deposits to total assets | 68.8300% | 4,494 |
| Equity capital to assets | 21.6809% | 196 |
| Core capital (leverage) ratio | 22.7339% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $151,703,000 | 3,424 |
| Average earning assets | $142,408,600 | 3,395 |
| Average equity | $24,886,000 | 2,591 |
| Average total loans | $106,986,600 | 3,059 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0726% | 194 |
| Cost of funding earning assets | 0.4862% | 808 |
| Net interest margin | 4.5864% | 205 |
| Noninterest income to average assets | 1.3000% | 432 |
| Noninterest expense to average assets | 3.7619% | 385 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.4295% | 1,008 |
| Return on assets (ROA) | 1.4295% | 980 |
| Pretax return on assets | 1.8076% | 721 |
| Return on Equity (ROE) | 9.4500% | 2,889 |
| Retained earnings to average equity (ytd only) | 6.8519% | 2,424 |
| Net charge-offs to loans | -0.0165% | 3,918 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.9152% | 2,163 |
| Assets per employee ($millions) | 5.1416% | 3,554 |
| Cash dividends to net income (ytd only)* | 27.4893% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7671% | 772 |
| Loan loss allowance to noncurrent loans | 329.9130% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 1,500 |
| Noncurrent loans to loans | 0.5356% | 1,467 |
| Net loans and leases to total assets | 66.1600% | 1,871 |
| Net loans and leases to deposits | 88.2574% | 1,015 |
| Net loans and leases to core deposits | 101.6806% | 755 |
| Total domestic deposits to total assets | 74.9700% | 4,412 |
| Equity capital to assets | 19.6380% | 229 |
| Core capital (leverage) ratio | 18.9792% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $152,685,000 | 3,443 |
| Average earning assets | $143,958,000 | 3,413 |
| Average equity | $23,097,750 | 2,736 |
| Average total loans | $104,852,000 | 3,097 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 237 |
| Cost of funding earning assets | 0.5362% | 427 |
| Net interest margin | 4.2137% | 327 |
| Noninterest income to average assets | 0.7391% | 1,205 |
| Noninterest expense to average assets | 3.6570% | 373 |
| Loan and lease loss provision to assets | 0.0399% | 1,867 |
| Net operating income to assets | 1.1658% | 1,555 |
| Return on assets (ROA) | 1.1658% | 1,527 |
| Pretax return on assets | 1.0116% | 2,683 |
| Return on Equity (ROE) | 8.6032% | 2,827 |
| Retained earnings to average equity (ytd only) | 4.1888% | 3,014 |
| Net charge-offs to loans | -0.0231% | 3,938 |
| Credit loss provision to net charge-offs | -250.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6680% | 1,108 |
| Assets per employee ($millions) | 5.4911% | 3,243 |
| Cash dividends to net income (ytd only)* | 51.3113% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 957 |
| Loan loss allowance to noncurrent loans | 335.0090% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 1,646 |
| Noncurrent loans to loans | 0.5075% | 1,610 |
| Net loans and leases to total assets | 65.4929% | 1,758 |
| Net loans and leases to deposits | 80.7274% | 1,333 |
| Net loans and leases to core deposits | 94.0972% | 907 |
| Total domestic deposits to total assets | 81.1284% | 4,111 |
| Equity capital to assets | 12.4783% | 764 |
| Core capital (leverage) ratio | 13.3162% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,450,000 | 3,493 |
| Average earning assets | $141,726,667 | 3,481 |
| Average equity | $20,387,667 | 3,033 |
| Average total loans | $104,018,000 | 3,134 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1058% | 132 |
| Cost of funding earning assets | 0.5828% | 291 |
| Net interest margin | 4.5231% | 166 |
| Noninterest income to average assets | 0.7341% | 1,210 |
| Noninterest expense to average assets | 4.0221% | 274 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7787% | 2,733 |
| Return on assets (ROA) | 0.7787% | 2,729 |
| Pretax return on assets | 0.9797% | 2,503 |
| Return on Equity (ROE) | 5.4966% | 3,485 |
| Retained earnings to average equity (ytd only) | 5.4966% | 2,414 |
| Net charge-offs to loans | -0.0435% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4129% | 1,121 |
| Assets per employee ($millions) | 5.0974% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7903% | 896 |
| Loan loss allowance to noncurrent loans | 127.1468% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 523 |
| Noncurrent loans to loans | 1.4081% | 606 |
| Net loans and leases to total assets | 68.1312% | 1,201 |
| Net loans and leases to deposits | 85.4959% | 775 |
| Net loans and leases to core deposits | 101.0698% | 476 |
| Total domestic deposits to total assets | 79.6895% | 4,301 |
| Equity capital to assets | 13.8197% | 554 |
| Core capital (leverage) ratio | 14.2099% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,308,000 | 3,584 |
| Average earning assets | $135,218,000 | 3,563 |
| Average equity | $20,303,500 | 3,122 |
| Average total loans | $101,149,500 | 3,170 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7712% | 100 |
| Cost of funding earning assets | 0.6650% | 386 |
| Net interest margin | 5.1061% | 121 |
| Noninterest income to average assets | 1.4780% | 513 |
| Noninterest expense to average assets | 3.7315% | 377 |
| Loan and lease loss provision to assets | 0.0547% | 1,959 |
| Net operating income to assets | 2.1041% | 287 |
| Return on assets (ROA) | 2.1041% | 302 |
| Pretax return on assets | 2.5377% | 243 |
| Return on Equity (ROE) | 16.0355% | 757 |
| Retained earnings to average equity (ytd only) | 16.0355% | 172 |
| Net charge-offs to loans | -0.0200% | 3,977 |
| Credit loss provision to net charge-offs | -340.9091% | 3,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0066% | 3,297 |
| Assets per employee ($millions) | 4.4771% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8296% | 819 |
| Loan loss allowance to noncurrent loans | 1,644.1441% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 3,385 |
| Noncurrent loans to loans | 0.1113% | 3,373 |
| Net loans and leases to total assets | 70.5543% | 980 |
| Net loans and leases to deposits | 90.6535% | 541 |
| Net loans and leases to core deposits | 109.2062% | 300 |
| Total domestic deposits to total assets | 77.8285% | 4,411 |
| Equity capital to assets | 14.5384% | 570 |
| Core capital (leverage) ratio | 14.2848% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,210,200 | 3,607 |
| Average earning assets | $130,215,800 | 3,570 |
| Average equity | $18,003,800 | 3,384 |
| Average total loans | $110,064,000 | 3,079 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8455% | 103 |
| Cost of funding earning assets | 0.6840% | 418 |
| Net interest margin | 5.1615% | 129 |
| Noninterest income to average assets | 0.9112% | 1,233 |
| Noninterest expense to average assets | 3.6340% | 395 |
| Loan and lease loss provision to assets | 0.0731% | 1,581 |
| Net operating income to assets | 1.7922% | 675 |
| Return on assets (ROA) | 1.7922% | 707 |
| Pretax return on assets | 2.1167% | 659 |
| Return on Equity (ROE) | 14.0430% | 1,376 |
| Retained earnings to average equity (ytd only) | 14.0430% | 509 |
| Net charge-offs to loans | 0.1527% | 543 |
| Credit loss provision to net charge-offs | 58.1395% | 1,816 |
| Earnings coverage of net charge-offs (x) | 17.4186% | 1,815 |
| Efficiency ratio | 62.3996% | 2,632 |
| Assets per employee ($millions) | 5.1401% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 1,522 |
| Loan loss allowance to noncurrent loans | 1,442.2414% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 3,539 |
| Noncurrent loans to loans | 0.1061% | 3,563 |
| Net loans and leases to total assets | 77.5680% | 427 |
| Net loans and leases to deposits | 96.8947% | 316 |
| Net loans and leases to core deposits | 115.6504% | 233 |
| Total domestic deposits to total assets | 80.0539% | 4,224 |
| Equity capital to assets | 13.7948% | 784 |
| Core capital (leverage) ratio | 13.5765% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,815,000 | 3,653 |
| Average earning assets | $130,217,500 | 3,613 |
| Average equity | $17,460,250 | 3,474 |
| Average total loans | $112,643,000 | 3,076 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8428% | 444 |
| Cost of funding earning assets | 0.7105% | 442 |
| Net interest margin | 4.1323% | 656 |
| Noninterest income to average assets | 1.0253% | 1,031 |
| Noninterest expense to average assets | 3.5635% | 431 |
| Loan and lease loss provision to assets | 0.0808% | 1,506 |
| Net operating income to assets | 1.2353% | 2,063 |
| Return on assets (ROA) | 1.2353% | 2,131 |
| Pretax return on assets | 1.3190% | 2,583 |
| Return on Equity (ROE) | 9.9534% | 2,757 |
| Retained earnings to average equity (ytd only) | 9.9534% | 1,407 |
| Net charge-offs to loans | 0.2286% | 378 |
| Credit loss provision to net charge-offs | 42.3077% | 1,649 |
| Earnings coverage of net charge-offs (x) | 7.3308% | 1,921 |
| Efficiency ratio | 71.7964% | 1,455 |
| Assets per employee ($millions) | 5.2821% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 2,102 |
| Loan loss allowance to noncurrent loans | 1,365.2893% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 3,634 |
| Noncurrent loans to loans | 0.1004% | 3,681 |
| Net loans and leases to total assets | 83.3104% | 161 |
| Net loans and leases to deposits | 105.6293% | 164 |
| Net loans and leases to core deposits | 127.6225% | 148 |
| Total domestic deposits to total assets | 78.8705% | 4,358 |
| Equity capital to assets | 12.7251% | 1,040 |
| Core capital (leverage) ratio | 12.0580% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,158,667 | 3,674 |
| Average earning assets | $129,758,667 | 3,633 |
| Average equity | $16,898,667 | 3,526 |
| Average total loans | $113,749,000 | 3,072 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 2,100 |
| Cost of funding earning assets | 0.7320% | 484 |
| Net interest margin | 3.0676% | 3,084 |
| Noninterest income to average assets | 1.9860% | 378 |
| Noninterest expense to average assets | 3.6019% | 409 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2969% | 1,837 |
| Return on assets (ROA) | 1.2969% | 1,912 |
| Pretax return on assets | 1.2969% | 2,582 |
| Return on Equity (ROE) | 10.5936% | 2,499 |
| Retained earnings to average equity (ytd only) | 10.5936% | 1,493 |
| Net charge-offs to loans | 0.5834% | 138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 2.6770% | 1,800 |
| Efficiency ratio | 73.5258% | 1,350 |
| Assets per employee ($millions) | 6.0510% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 2,325 |
| Loan loss allowance to noncurrent loans | 1,233.0709% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 3,738 |
| Noncurrent loans to loans | 0.1074% | 3,771 |
| Net loans and leases to total assets | 83.8524% | 154 |
| Net loans and leases to deposits | 109.4491% | 138 |
| Net loans and leases to core deposits | 134.7144% | 113 |
| Total domestic deposits to total assets | 76.6131% | 4,551 |
| Equity capital to assets | 11.8465% | 1,362 |
| Core capital (leverage) ratio | 12.1181% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,930,000 | 3,708 |
| Average earning assets | $126,221,000 | 3,669 |
| Average equity | $16,274,000 | 3,582 |
| Average total loans | $110,390,500 | 3,126 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 2,639 |
| Cost of funding earning assets | 1.0907% | 413 |
| Net interest margin | 2.9392% | 4,041 |
| Noninterest income to average assets | 1.9625% | 340 |
| Noninterest expense to average assets | 3.8234% | 448 |
| Loan and lease loss provision to assets | 0.0832% | 3,338 |
| Net operating income to assets | 0.8414% | 2,936 |
| Return on assets (ROA) | 0.8414% | 3,065 |
| Pretax return on assets | 0.8414% | 3,524 |
| Return on Equity (ROE) | 6.5909% | 3,371 |
| Retained earnings to average equity (ytd only) | 6.5909% | 1,550 |
| Net charge-offs to loans | 0.2733% | 627 |
| Credit loss provision to net charge-offs | 40.0000% | 3,188 |
| Earnings coverage of net charge-offs (x) | 4.4440% | 2,981 |
| Efficiency ratio | 80.5259% | 850 |
| Assets per employee ($millions) | 5.0675% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 1,074 |
| Loan loss allowance to noncurrent loans | 474.4505% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 2,854 |
| Noncurrent loans to loans | 0.3551% | 2,928 |
| Net loans and leases to total assets | 79.5569% | 456 |
| Net loans and leases to deposits | 99.3484% | 402 |
| Net loans and leases to core deposits | 125.0298% | 254 |
| Total domestic deposits to total assets | 80.0786% | 4,029 |
| Equity capital to assets | 12.6776% | 1,243 |
| Core capital (leverage) ratio | 11.7040% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,155,800 | 3,745 |
| Average earning assets | $113,876,000 | 3,713 |
| Average equity | $15,339,400 | 3,627 |
| Average total loans | $91,473,800 | 3,381 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 2,801 |
| Cost of funding earning assets | 1.1287% | 476 |
| Net interest margin | 2.9277% | 4,131 |
| Noninterest income to average assets | 1.2880% | 656 |
| Noninterest expense to average assets | 3.6718% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3971% | 4,269 |
| Return on assets (ROA) | 0.3971% | 4,337 |
| Pretax return on assets | 0.3971% | 4,433 |
| Return on Equity (ROE) | 3.1048% | 4,370 |
| Retained earnings to average equity (ytd only) | 3.1048% | 3,476 |
| Net charge-offs to loans | -0.0496% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2405% | 359 |
| Assets per employee ($millions) | 5.1479% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6634% | 958 |
| Loan loss allowance to noncurrent loans | 411.6379% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 2,751 |
| Noncurrent loans to loans | 0.4041% | 2,847 |
| Net loans and leases to total assets | 84.3625% | 247 |
| Net loans and leases to deposits | 108.4105% | 258 |
| Net loans and leases to core deposits | 130.0849% | 252 |
| Total domestic deposits to total assets | 77.8176% | 4,227 |
| Equity capital to assets | 11.5126% | 1,996 |
| Core capital (leverage) ratio | 11.5657% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,522,750 | 3,761 |
| Average earning assets | $112,575,250 | 3,720 |
| Average equity | $15,159,000 | 3,641 |
| Average total loans | $88,713,250 | 3,441 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9194% | 3,564 |
| Cost of funding earning assets | 1.1563% | 600 |
| Net interest margin | 2.7631% | 4,495 |
| Noninterest income to average assets | 0.9734% | 1,030 |
| Noninterest expense to average assets | 3.5533% | 695 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0370% | 4,741 |
| Return on assets (ROA) | 0.0370% | 4,770 |
| Pretax return on assets | 0.0370% | 4,766 |
| Return on Equity (ROE) | 0.2786% | 4,769 |
| Retained earnings to average equity (ytd only) | 0.2786% | 4,251 |
| Net charge-offs to loans | -0.0775% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9686% | 194 |
| Assets per employee ($millions) | 5.4817% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8360% | 603 |
| Loan loss allowance to noncurrent loans | 342.3698% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 2,549 |
| Noncurrent loans to loans | 0.5363% | 2,560 |
| Net loans and leases to total assets | 80.8677% | 512 |
| Net loans and leases to deposits | 100.1690% | 538 |
| Net loans and leases to core deposits | 120.6803% | 408 |
| Total domestic deposits to total assets | 80.7313% | 3,675 |
| Equity capital to assets | 11.9607% | 1,687 |
| Core capital (leverage) ratio | 12.4128% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,415,333 | 3,808 |
| Average earning assets | $107,415,667 | 3,781 |
| Average equity | $15,075,667 | 3,650 |
| Average total loans | $80,009,333 | 3,572 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 2,511 |
| Cost of funding earning assets | 1.3194% | 536 |
| Net interest margin | 3.1088% | 4,077 |
| Noninterest income to average assets | 1.0384% | 789 |
| Noninterest expense to average assets | 3.7429% | 670 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2353% | 4,471 |
| Return on assets (ROA) | 0.2353% | 4,493 |
| Pretax return on assets | 0.2353% | 4,532 |
| Return on Equity (ROE) | 1.6718% | 4,515 |
| Retained earnings to average equity (ytd only) | 1.6718% | 3,558 |
| Net charge-offs to loans | -0.1704% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0845% | 375 |
| Assets per employee ($millions) | 4.6748% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7667% | 182 |
| Loan loss allowance to noncurrent loans | 338.3659% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 2,422 |
| Noncurrent loans to loans | 0.8177% | 1,969 |
| Net loans and leases to total assets | 62.2669% | 3,273 |
| Net loans and leases to deposits | 73.8245% | 3,288 |
| Net loans and leases to core deposits | 93.0999% | 2,057 |
| Total domestic deposits to total assets | 84.3445% | 2,650 |
| Equity capital to assets | 14.0828% | 1,031 |
| Core capital (leverage) ratio | 13.6887% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,083,000 | 3,884 |
| Average earning assets | $101,259,500 | 3,862 |
| Average equity | $15,073,500 | 3,653 |
| Average total loans | $68,081,500 | 3,800 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1558% | 1,095 |
| Cost of funding earning assets | 1.4525% | 459 |
| Net interest margin | 3.7033% | 2,807 |
| Noninterest income to average assets | 1.5298% | 399 |
| Noninterest expense to average assets | 3.8570% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1697% | 2,178 |
| Return on assets (ROA) | 1.1697% | 2,277 |
| Pretax return on assets | 1.1697% | 2,948 |
| Return on Equity (ROE) | 8.8765% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.8765% | 741 |
| Net charge-offs to loans | -0.1329% | 4,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6205% | 1,537 |
| Assets per employee ($millions) | 4.8475% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7872% | 153 |
| Loan loss allowance to noncurrent loans | 220.7059% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.7970% | 1,626 |
| Noncurrent loans to loans | 1.2629% | 1,192 |
| Net loans and leases to total assets | 61.3550% | 3,467 |
| Net loans and leases to deposits | 72.7475% | 3,456 |
| Net loans and leases to core deposits | 91.4391% | 2,285 |
| Total domestic deposits to total assets | 84.3396% | 2,737 |
| Equity capital to assets | 14.0700% | 1,076 |
| Core capital (leverage) ratio | 13.4545% | 1,067 |
| Tier 1 risk-based capital ratio | 19.9625% | 1,335 |
| Total risk-based capital ratio | 21.2298% | 1,303 |
| Memoranda: | ||
| Average total assets | $107,466,400 | 3,873 |
| Average earning assets | $101,478,400 | 3,844 |
| Average equity | $14,161,000 | 3,729 |
| Average total loans | $67,741,800 | 3,819 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3737% | 741 |
| Cost of funding earning assets | 1.4817% | 432 |
| Net interest margin | 3.8921% | 2,285 |
| Noninterest income to average assets | 1.3832% | 478 |
| Noninterest expense to average assets | 4.2375% | 396 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8148% | 3,626 |
| Return on assets (ROA) | 0.8148% | 3,709 |
| Pretax return on assets | 0.8148% | 4,089 |
| Return on Equity (ROE) | 6.2890% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.2890% | 2,230 |
| Net charge-offs to loans | -0.1356% | 5,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5735% | 718 |
| Assets per employee ($millions) | 5.0650% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7223% | 170 |
| Loan loss allowance to noncurrent loans | 230.4348% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.6910% | 1,968 |
| Noncurrent loans to loans | 1.1814% | 1,331 |
| Net loans and leases to total assets | 56.8999% | 3,973 |
| Net loans and leases to deposits | 66.1289% | 4,056 |
| Net loans and leases to core deposits | 83.3449% | 3,147 |
| Total domestic deposits to total assets | 86.0439% | 1,982 |
| Equity capital to assets | 12.3663% | 1,998 |
| Core capital (leverage) ratio | 11.9917% | 1,858 |
| Tier 1 risk-based capital ratio | 17.6307% | 1,914 |
| Total risk-based capital ratio | 18.8942% | 1,873 |
| Memoranda: | ||
| Average total assets | $107,671,750 | 3,904 |
| Average earning assets | $101,503,500 | 3,887 |
| Average equity | $13,950,000 | 3,790 |
| Average total loans | $67,850,250 | 3,861 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 1,730 |
| Cost of funding earning assets | 1.4212% | 490 |
| Net interest margin | 3.4857% | 3,642 |
| Noninterest income to average assets | 1.3960% | 445 |
| Noninterest expense to average assets | 3.9874% | 547 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6779% | 4,076 |
| Return on assets (ROA) | 0.6779% | 4,129 |
| Pretax return on assets | 0.6779% | 4,383 |
| Return on Equity (ROE) | 5.1457% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.1457% | 2,699 |
| Net charge-offs to loans | -0.1358% | 5,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4863% | 620 |
| Assets per employee ($millions) | 4.6619% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7792% | 158 |
| Loan loss allowance to noncurrent loans | 216.2928% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 1,839 |
| Noncurrent loans to loans | 1.2849% | 1,229 |
| Net loans and leases to total assets | 57.2793% | 3,981 |
| Net loans and leases to deposits | 66.7149% | 4,044 |
| Net loans and leases to core deposits | 85.4733% | 2,999 |
| Total domestic deposits to total assets | 85.8569% | 2,110 |
| Equity capital to assets | 12.5879% | 1,805 |
| Core capital (leverage) ratio | 12.5693% | 1,499 |
| Tier 1 risk-based capital ratio | 19.0578% | 1,540 |
| Total risk-based capital ratio | 20.3251% | 1,497 |
| Memoranda: | ||
| Average total assets | $104,731,000 | 3,988 |
| Average earning assets | $98,229,330 | 3,965 |
| Average equity | $13,798,000 | 3,817 |
| Average total loans | $67,753,670 | 3,888 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0488% | 1,217 |
| Cost of funding earning assets | 1.3750% | 503 |
| Net interest margin | 3.6738% | 2,992 |
| Noninterest income to average assets | 0.9214% | 991 |
| Noninterest expense to average assets | 4.1995% | 403 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1661% | 5,038 |
| Return on assets (ROA) | 0.1661% | 5,045 |
| Pretax return on assets | 0.1661% | 5,061 |
| Return on Equity (ROE) | 1.2303% | 5,053 |
| Retained earnings to average equity (ytd only) | 1.2303% | 4,268 |
| Net charge-offs to loans | -0.1340% | 5,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1123% | 272 |
| Assets per employee ($millions) | 4.1028% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7012% | 191 |
| Loan loss allowance to noncurrent loans | 198.3553% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 1,585 |
| Noncurrent loans to loans | 1.3618% | 1,190 |
| Net loans and leases to total assets | 63.5277% | 3,344 |
| Net loans and leases to deposits | 74.6737% | 3,386 |
| Net loans and leases to core deposits | 94.7852% | 2,050 |
| Total domestic deposits to total assets | 85.0738% | 2,656 |
| Equity capital to assets | 13.3478% | 1,272 |
| Core capital (leverage) ratio | 13.1111% | 1,217 |
| Tier 1 risk-based capital ratio | 18.2112% | 1,738 |
| Total risk-based capital ratio | 19.4782% | 1,687 |
| Memoranda: | ||
| Average total assets | $101,154,000 | 4,090 |
| Average earning assets | $94,833,500 | 4,058 |
| Average equity | $13,655,000 | 3,849 |
| Average total loans | $68,671,000 | 3,898 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 1,270 |
| Cost of funding earning assets | 0.9621% | 875 |
| Net interest margin | 3.9436% | 2,183 |
| Noninterest income to average assets | 1.8749% | 295 |
| Noninterest expense to average assets | 4.3228% | 358 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2156% | 2,102 |
| Return on assets (ROA) | 1.2201% | 2,080 |
| Pretax return on assets | 1.2201% | 2,814 |
| Return on Equity (ROE) | 8.9056% | 3,040 |
| Retained earnings to average equity (ytd only) | 8.9056% | 899 |
| Net charge-offs to loans | -0.1350% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1720% | 1,216 |
| Assets per employee ($millions) | 4.5335% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5379% | 223 |
| Loan loss allowance to noncurrent loans | 191.8367% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.9335% | 1,475 |
| Noncurrent loans to loans | 1.3230% | 1,187 |
| Net loans and leases to total assets | 68.7669% | 2,769 |
| Net loans and leases to deposits | 81.3729% | 2,804 |
| Net loans and leases to core deposits | 99.3323% | 1,772 |
| Total domestic deposits to total assets | 84.5083% | 2,828 |
| Equity capital to assets | 13.6549% | 1,089 |
| Core capital (leverage) ratio | 13.6224% | 1,036 |
| Tier 1 risk-based capital ratio | 17.0247% | 2,059 |
| Total risk-based capital ratio | 18.2872% | 1,994 |
| Memoranda: | ||
| Average total assets | $90,404,600 | 4,263 |
| Average earning assets | $83,984,600 | 4,248 |
| Average equity | $12,385,400 | 3,977 |
| Average total loans | $62,983,200 | 4,027 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8312% | 1,344 |
| Cost of funding earning assets | 0.8525% | 1,110 |
| Net interest margin | 3.9787% | 2,018 |
| Noninterest income to average assets | 2.0740% | 260 |
| Noninterest expense to average assets | 4.2283% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5411% | 1,090 |
| Return on assets (ROA) | 1.5487% | 1,070 |
| Pretax return on assets | 1.5487% | 1,735 |
| Return on Equity (ROE) | 11.2939% | 2,056 |
| Retained earnings to average equity (ytd only) | 11.2939% | 591 |
| Net charge-offs to loans | -0.0262% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6843% | 1,780 |
| Assets per employee ($millions) | 3.7900% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4915% | 244 |
| Loan loss allowance to noncurrent loans | 175.5123% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 1.3918% | 959 |
| Noncurrent loans to loans | 1.4195% | 1,169 |
| Net loans and leases to total assets | 73.7041% | 2,037 |
| Net loans and leases to deposits | 102.9989% | 602 |
| Net loans and leases to core deposits | 129.3897% | 346 |
| Total domestic deposits to total assets | 71.5581% | 5,158 |
| Equity capital to assets | 14.8459% | 753 |
| Core capital (leverage) ratio | 15.3494% | 623 |
| Tier 1 risk-based capital ratio | 17.3636% | 1,978 |
| Total risk-based capital ratio | 18.6249% | 1,925 |
| Memoranda: | ||
| Average total assets | $88,071,500 | 4,350 |
| Average earning assets | $81,799,500 | 4,333 |
| Average equity | $12,077,000 | 4,047 |
| Average total loans | $61,136,000 | 4,107 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9095% | 999 |
| Cost of funding earning assets | 0.8416% | 958 |
| Net interest margin | 4.0679% | 1,645 |
| Noninterest income to average assets | 1.2329% | 635 |
| Noninterest expense to average assets | 4.0823% | 484 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9574% | 3,203 |
| Return on assets (ROA) | 0.9574% | 3,209 |
| Pretax return on assets | 0.9574% | 3,781 |
| Return on Equity (ROE) | 7.1888% | 3,837 |
| Retained earnings to average equity (ytd only) | 7.1888% | 1,985 |
| Net charge-offs to loans | -0.1126% | 5,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0023% | 917 |
| Assets per employee ($millions) | 4.1259% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8417% | 171 |
| Loan loss allowance to noncurrent loans | 163.2768% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.2257% | 1,174 |
| Noncurrent loans to loans | 1.7404% | 911 |
| Net loans and leases to total assets | 68.4256% | 2,806 |
| Net loans and leases to deposits | 85.9491% | 2,317 |
| Net loans and leases to core deposits | 104.9068% | 1,319 |
| Total domestic deposits to total assets | 79.6117% | 4,330 |
| Equity capital to assets | 14.8933% | 707 |
| Core capital (leverage) ratio | 14.9791% | 676 |
| Tier 1 risk-based capital ratio | 18.3901% | 1,700 |
| Total risk-based capital ratio | 19.6567% | 1,659 |
| Memoranda: | ||
| Average total assets | $87,108,330 | 4,395 |
| Average earning assets | $81,515,670 | 4,376 |
| Average equity | $11,601,330 | 4,134 |
| Average total loans | $58,596,330 | 4,197 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 2,605 |
| Cost of funding earning assets | 0.8566% | 743 |
| Net interest margin | 3.4214% | 3,814 |
| Noninterest income to average assets | 0.9251% | 1,085 |
| Noninterest expense to average assets | 3.8699% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2565% | 5,164 |
| Return on assets (ROA) | 0.2565% | 5,166 |
| Pretax return on assets | 0.2565% | 5,206 |
| Return on Equity (ROE) | 2.0457% | 5,174 |
| Retained earnings to average equity (ytd only) | 2.0457% | 4,338 |
| Net charge-offs to loans | -0.0627% | 5,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7847% | 306 |
| Assets per employee ($millions) | 4.0911% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9757% | 160 |
| Loan loss allowance to noncurrent loans | 103.3233% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.9264% | 610 |
| Noncurrent loans to loans | 2.8800% | 428 |
| Net loans and leases to total assets | 64.8970% | 3,190 |
| Net loans and leases to deposits | 76.2774% | 3,180 |
| Net loans and leases to core deposits | 96.7448% | 1,920 |
| Total domestic deposits to total assets | 85.0803% | 2,903 |
| Equity capital to assets | 12.7303% | 1,374 |
| Core capital (leverage) ratio | 12.4237% | 1,424 |
| Tier 1 risk-based capital ratio | 16.8193% | 2,173 |
| Total risk-based capital ratio | 18.0854% | 2,114 |
| Memoranda: | ||
| Average total assets | $87,341,000 | 4,443 |
| Average earning assets | $81,721,000 | 4,410 |
| Average equity | $10,950,000 | 4,276 |
| Average total loans | $57,384,500 | 4,269 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9354% | 3,621 |
| Cost of funding earning assets | 0.8298% | 530 |
| Net interest margin | 3.1056% | 4,682 |
| Noninterest income to average assets | 1.5316% | 451 |
| Noninterest expense to average assets | 3.6962% | 796 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7227% | 3,506 |
| Return on assets (ROA) | 0.7227% | 3,547 |
| Pretax return on assets | 0.7419% | 4,408 |
| Return on Equity (ROE) | 5.6802% | 3,878 |
| Retained earnings to average equity (ytd only) | 5.6802% | 1,720 |
| Net charge-offs to loans | -0.0038% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0167% | 926 |
| Assets per employee ($millions) | 4.9316% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9684% | 147 |
| Loan loss allowance to noncurrent loans | 100.2948% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.9106% | 616 |
| Noncurrent loans to loans | 2.9597% | 381 |
| Net loans and leases to total assets | 62.6379% | 3,540 |
| Net loans and leases to deposits | 71.8543% | 3,716 |
| Net loans and leases to core deposits | 90.6694% | 2,493 |
| Total domestic deposits to total assets | 87.1735% | 1,910 |
| Equity capital to assets | 12.3500% | 1,609 |
| Core capital (leverage) ratio | 12.1821% | 1,506 |
| Tier 1 risk-based capital ratio | 16.7419% | 2,177 |
| Total risk-based capital ratio | 18.0105% | 2,120 |
| Memoranda: | ||
| Average total assets | $83,571,600 | 4,520 |
| Average earning assets | $78,212,600 | 4,492 |
| Average equity | $10,633,400 | 4,360 |
| Average total loans | $52,778,400 | 4,390 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 3,747 |
| Cost of funding earning assets | 0.8096% | 544 |
| Net interest margin | 3.0673% | 4,782 |
| Noninterest income to average assets | 1.4504% | 510 |
| Noninterest expense to average assets | 3.6544% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6693% | 4,123 |
| Return on assets (ROA) | 0.6693% | 4,183 |
| Pretax return on assets | 0.6693% | 4,682 |
| Return on Equity (ROE) | 5.2189% | 4,436 |
| Retained earnings to average equity (ytd only) | 5.2189% | 2,728 |
| Net charge-offs to loans | 0.0103% | 3,361 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 103.3114% | 674 |
| Efficiency ratio | 84.0330% | 750 |
| Assets per employee ($millions) | 4.2577% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0425% | 148 |
| Loan loss allowance to noncurrent loans | 98.3169% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 2.0234% | 635 |
| Noncurrent loans to loans | 3.0946% | 397 |
| Net loans and leases to total assets | 63.3953% | 3,506 |
| Net loans and leases to deposits | 73.0369% | 3,661 |
| Net loans and leases to core deposits | 94.7386% | 2,201 |
| Total domestic deposits to total assets | 86.7991% | 1,958 |
| Equity capital to assets | 12.7148% | 1,536 |
| Core capital (leverage) ratio | 12.2209% | 1,555 |
| Tier 1 risk-based capital ratio | 17.3994% | 2,038 |
| Total risk-based capital ratio | 18.6702% | 1,983 |
| Memoranda: | ||
| Average total assets | $82,272,250 | 4,595 |
| Average earning assets | $77,069,000 | 4,563 |
| Average equity | $10,551,000 | 4,411 |
| Average total loans | $51,647,000 | 4,451 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7089% | 4,200 |
| Cost of funding earning assets | 0.7586% | 659 |
| Net interest margin | 2.9504% | 5,004 |
| Noninterest income to average assets | 1.2618% | 651 |
| Noninterest expense to average assets | 3.6477% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3788% | 5,023 |
| Return on assets (ROA) | 0.3788% | 5,050 |
| Pretax return on assets | 0.3788% | 5,210 |
| Return on Equity (ROE) | 2.9448% | 5,140 |
| Retained earnings to average equity (ytd only) | 2.9448% | 3,966 |
| Net charge-offs to loans | 0.0477% | 2,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 12.8333% | 2,167 |
| Efficiency ratio | 90.5925% | 424 |
| Assets per employee ($millions) | 4.1390% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2240% | 130 |
| Loan loss allowance to noncurrent loans | 90.7477% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 2.1387% | 569 |
| Noncurrent loans to loans | 3.5527% | 317 |
| Net loans and leases to total assets | 58.2593% | 4,000 |
| Net loans and leases to deposits | 66.6741% | 4,173 |
| Net loans and leases to core deposits | 84.6268% | 2,999 |
| Total domestic deposits to total assets | 87.3792% | 1,773 |
| Equity capital to assets | 12.1537% | 1,826 |
| Core capital (leverage) ratio | 12.1803% | 1,544 |
| Tier 1 risk-based capital ratio | 17.4853% | 2,014 |
| Total risk-based capital ratio | 18.7537% | 1,963 |
| Memoranda: | ||
| Average total assets | $81,312,000 | 4,642 |
| Average earning assets | $76,194,330 | 4,609 |
| Average equity | $10,459,000 | 4,442 |
| Average total loans | $50,303,670 | 4,518 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6513% | 4,278 |
| Cost of funding earning assets | 0.6584% | 1,034 |
| Net interest margin | 2.9929% | 4,902 |
| Noninterest income to average assets | 1.6049% | 428 |
| Noninterest expense to average assets | 3.8518% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5554% | 4,350 |
| Return on assets (ROA) | 0.5554% | 4,397 |
| Pretax return on assets | 0.5554% | 4,828 |
| Return on Equity (ROE) | 4.1897% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.1897% | 3,364 |
| Net charge-offs to loans | 0.1217% | 1,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.2667% | 2,152 |
| Efficiency ratio | 87.3988% | 703 |
| Assets per employee ($millions) | 3.9875% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3967% | 124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 60.0196% | 3,785 |
| Net loans and leases to deposits | 69.4430% | 3,860 |
| Net loans and leases to core deposits | 80.9761% | 3,199 |
| Total domestic deposits to total assets | 86.4299% | 2,477 |
| Equity capital to assets | 13.1274% | 1,211 |
| Core capital (leverage) ratio | 13.2756% | 1,047 |
| Tier 1 risk-based capital ratio | 19.0933% | 1,593 |
| Total risk-based capital ratio | 20.3645% | 1,550 |
| Memoranda: | ||
| Average total assets | $78,508,000 | 4,743 |
| Average earning assets | $73,507,500 | 4,714 |
| Average equity | $10,406,500 | 4,478 |
| Average total loans | $49,292,500 | 4,582 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 3,569 |
| Cost of funding earning assets | 0.5180% | 1,953 |
| Net interest margin | 3.3828% | 3,878 |
| Noninterest income to average assets | 1.0140% | 1,105 |
| Noninterest expense to average assets | 3.9660% | 633 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1939% | 5,430 |
| Return on assets (ROA) | 0.3495% | 5,169 |
| Pretax return on assets | 0.3495% | 5,299 |
| Return on Equity (ROE) | 2.7582% | 5,225 |
| Retained earnings to average equity (ytd only) | 2.7582% | 3,938 |
| Net charge-offs to loans | -0.0570% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3385% | 335 |
| Assets per employee ($millions) | 3.6794% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4647% | 114 |
| Loan loss allowance to noncurrent loans | 86.3752% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 2.5457% | 467 |
| Noncurrent loans to loans | 4.0113% | 259 |
| Net loans and leases to total assets | 61.2655% | 3,692 |
| Net loans and leases to deposits | 71.2182% | 3,786 |
| Net loans and leases to core deposits | 76.4564% | 3,712 |
| Total domestic deposits to total assets | 86.0251% | 2,570 |
| Equity capital to assets | 13.3873% | 1,097 |
| Core capital (leverage) ratio | 12.2666% | 1,444 |
| Tier 1 risk-based capital ratio | 18.9503% | 1,612 |
| Total risk-based capital ratio | 20.2226% | 1,570 |
| Memoranda: | ||
| Average total assets | $80,963,600 | 4,716 |
| Average earning assets | $75,292,600 | 4,696 |
| Average equity | $10,260,200 | 4,525 |
| Average total loans | $50,913,600 | 4,553 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8213% | 3,869 |
| Cost of funding earning assets | 0.4825% | 2,235 |
| Net interest margin | 3.3388% | 4,065 |
| Noninterest income to average assets | 0.7425% | 1,995 |
| Noninterest expense to average assets | 3.8833% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0423% | 5,741 |
| Return on assets (ROA) | 0.1628% | 5,589 |
| Pretax return on assets | 0.1628% | 5,607 |
| Return on Equity (ROE) | 1.3021% | 5,602 |
| Retained earnings to average equity (ytd only) | 1.3021% | 4,994 |
| Net charge-offs to loans | -0.0727% | 5,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1022% | 209 |
| Assets per employee ($millions) | 4.4068% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0933% | 170 |
| Loan loss allowance to noncurrent loans | 83.0724% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.4412% | 569 |
| Noncurrent loans to loans | 3.7237% | 325 |
| Net loans and leases to total assets | 63.5312% | 3,458 |
| Net loans and leases to deposits | 78.2898% | 3,156 |
| Net loans and leases to core deposits | 80.7707% | 3,373 |
| Total domestic deposits to total assets | 81.1487% | 4,210 |
| Equity capital to assets | 12.3267% | 1,878 |
| Core capital (leverage) ratio | 12.0475% | 1,644 |
| Tier 1 risk-based capital ratio | 16.8656% | 2,272 |
| Total risk-based capital ratio | 18.1338% | 2,220 |
| Memoranda: | ||
| Average total assets | $81,887,750 | 4,735 |
| Average earning assets | $75,993,500 | 4,715 |
| Average equity | $10,239,250 | 4,575 |
| Average total loans | $51,382,750 | 4,576 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 4,073 |
| Cost of funding earning assets | 0.4659% | 2,419 |
| Net interest margin | 3.2983% | 4,243 |
| Noninterest income to average assets | 0.7604% | 1,887 |
| Noninterest expense to average assets | 3.9324% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1058% | 5,815 |
| Return on assets (ROA) | -0.1058% | 5,832 |
| Pretax return on assets | -0.1058% | 5,831 |
| Return on Equity (ROE) | -0.8421% | 5,832 |
| Retained earnings to average equity (ytd only) | -0.8421% | 5,420 |
| Net charge-offs to loans | -0.0996% | 5,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7653% | 206 |
| Assets per employee ($millions) | 3.9694% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1653% | 165 |
| Loan loss allowance to noncurrent loans | 81.5688% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 2.4929% | 558 |
| Noncurrent loans to loans | 3.8806% | 317 |
| Net loans and leases to total assets | 62.2064% | 3,600 |
| Net loans and leases to deposits | 82.7942% | 2,618 |
| Net loans and leases to core deposits | 84.2470% | 3,060 |
| Total domestic deposits to total assets | 75.1338% | 5,395 |
| Equity capital to assets | 12.2904% | 1,911 |
| Core capital (leverage) ratio | 12.1651% | 1,526 |
| Tier 1 risk-based capital ratio | 16.2640% | 2,522 |
| Total risk-based capital ratio | 17.5318% | 2,458 |
| Memoranda: | ||
| Average total assets | $81,274,000 | 4,789 |
| Average earning assets | $75,553,000 | 4,769 |
| Average equity | $10,212,000 | 4,610 |
| Average total loans | $50,213,000 | 4,638 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 4,222 |
| Cost of funding earning assets | 0.4753% | 2,327 |
| Net interest margin | 3.2523% | 4,390 |
| Noninterest income to average assets | 0.8575% | 1,424 |
| Noninterest expense to average assets | 3.8887% | 695 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0050% | 5,779 |
| Return on assets (ROA) | 0.0050% | 5,807 |
| Pretax return on assets | 0.0050% | 5,806 |
| Return on Equity (ROE) | 0.0392% | 5,808 |
| Retained earnings to average equity (ytd only) | 0.0392% | 5,096 |
| Net charge-offs to loans | -0.1318% | 5,735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8720% | 293 |
| Assets per employee ($millions) | 3.8884% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4740% | 142 |
| Loan loss allowance to noncurrent loans | 81.3314% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 2.5387% | 576 |
| Noncurrent loans to loans | 4.2714% | 267 |
| Net loans and leases to total assets | 57.3692% | 4,108 |
| Net loans and leases to deposits | 74.2315% | 3,409 |
| Net loans and leases to core deposits | 75.1629% | 3,766 |
| Total domestic deposits to total assets | 77.2842% | 5,250 |
| Equity capital to assets | 12.5562% | 1,649 |
| Core capital (leverage) ratio | 12.4983% | 1,340 |
| Tier 1 risk-based capital ratio | 19.2553% | 1,672 |
| Total risk-based capital ratio | 20.5287% | 1,632 |
| Memoranda: | ||
| Average total assets | $80,232,000 | 4,852 |
| Average earning assets | $74,901,000 | 4,825 |
| Average equity | $10,195,500 | 4,632 |
| Average total loans | $48,545,000 | 4,720 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5383% | 4,825 |
| Cost of funding earning assets | 0.4767% | 2,379 |
| Net interest margin | 3.0616% | 5,001 |
| Noninterest income to average assets | 0.9515% | 1,317 |
| Noninterest expense to average assets | 4.2530% | 513 |
| Loan and lease loss provision to assets | -0.5619% | 6,133 |
| Net operating income to assets | 0.1311% | 5,714 |
| Return on assets (ROA) | 0.1311% | 5,763 |
| Pretax return on assets | 0.1311% | 5,772 |
| Return on Equity (ROE) | 1.0574% | 5,759 |
| Retained earnings to average equity (ytd only) | 1.0574% | 5,093 |
| Net charge-offs to loans | -0.4128% | 6,062 |
| Credit loss provision to net charge-offs | 243.2432% | 1,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.2708% | 132 |
| Assets per employee ($millions) | 3.5821% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4392% | 137 |
| Loan loss allowance to noncurrent loans | 40.4163% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 5.2432% | 159 |
| Noncurrent loans to loans | 8.5094% | 66 |
| Net loans and leases to total assets | 59.4973% | 3,902 |
| Net loans and leases to deposits | 74.4952% | 3,438 |
| Net loans and leases to core deposits | 76.7385% | 3,690 |
| Total domestic deposits to total assets | 79.8673% | 4,774 |
| Equity capital to assets | 12.8643% | 1,424 |
| Core capital (leverage) ratio | 12.5117% | 1,346 |
| Tier 1 risk-based capital ratio | 19.2169% | 1,650 |
| Total risk-based capital ratio | 20.4899% | 1,605 |
| Memoranda: | ||
| Average total assets | $80,084,800 | 4,872 |
| Average earning assets | $75,092,000 | 4,828 |
| Average equity | $9,930,000 | 4,670 |
| Average total loans | $44,814,400 | 4,836 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3508% | 5,317 |
| Cost of funding earning assets | 0.4749% | 2,456 |
| Net interest margin | 2.8759% | 5,454 |
| Noninterest income to average assets | 0.9352% | 1,356 |
| Noninterest expense to average assets | 4.2633% | 507 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.6368% | 6,158 |
| Return on assets (ROA) | -0.6368% | 6,158 |
| Pretax return on assets | -0.6368% | 6,151 |
| Return on Equity (ROE) | -5.1831% | 6,140 |
| Retained earnings to average equity (ytd only) | -5.1831% | 6,026 |
| Net charge-offs to loans | 0.2856% | 933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -4.0851% | 4,116 |
| Efficiency ratio | 117.5583% | 105 |
| Assets per employee ($millions) | 3.9326% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2260% | 80 |
| Loan loss allowance to noncurrent loans | 63.8793% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 3.6254% | 343 |
| Noncurrent loans to loans | 6.6156% | 109 |
| Net loans and leases to total assets | 50.5219% | 4,890 |
| Net loans and leases to deposits | 61.8238% | 4,734 |
| Net loans and leases to core deposits | 64.2852% | 4,798 |
| Total domestic deposits to total assets | 81.7192% | 4,251 |
| Equity capital to assets | 11.7904% | 2,274 |
| Core capital (leverage) ratio | 11.8825% | 1,756 |
| Tier 1 risk-based capital ratio | 20.3225% | 1,472 |
| Total risk-based capital ratio | 21.6043% | 1,434 |
| Memoranda: | ||
| Average total assets | $80,404,250 | 4,921 |
| Average earning assets | $75,244,250 | 4,886 |
| Average equity | $9,878,000 | 4,733 |
| Average total loans | $43,878,500 | 4,919 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2692% | 5,497 |
| Cost of funding earning assets | 0.4728% | 2,487 |
| Net interest margin | 2.7965% | 5,620 |
| Noninterest income to average assets | 0.9513% | 1,296 |
| Noninterest expense to average assets | 4.3500% | 477 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.7706% | 6,236 |
| Return on assets (ROA) | -0.7706% | 6,241 |
| Pretax return on assets | -0.7706% | 6,231 |
| Return on Equity (ROE) | -6.1864% | 6,209 |
| Retained earnings to average equity (ytd only) | -6.1864% | 6,065 |
| Net charge-offs to loans | 0.4684% | 540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -2.9806% | 3,799 |
| Efficiency ratio | 121.5288% | 104 |
| Assets per employee ($millions) | 3.6495% | 4,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1092% | 97 |
| Loan loss allowance to noncurrent loans | 62.3213% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 3.7988% | 357 |
| Noncurrent loans to loans | 6.5935% | 129 |
| Net loans and leases to total assets | 53.2178% | 4,637 |
| Net loans and leases to deposits | 65.5830% | 4,377 |
| Net loans and leases to core deposits | 67.9949% | 4,496 |
| Total domestic deposits to total assets | 81.1456% | 4,570 |
| Equity capital to assets | 12.1623% | 1,912 |
| Core capital (leverage) ratio | 12.3900% | 1,438 |
| Tier 1 risk-based capital ratio | 20.1758% | 1,510 |
| Total risk-based capital ratio | 21.4572% | 1,482 |
| Memoranda: | ||
| Average total assets | $79,677,670 | 4,986 |
| Average earning assets | $74,879,670 | 4,945 |
| Average equity | $9,925,000 | 4,766 |
| Average total loans | $43,983,330 | 4,950 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2894% | 5,473 |
| Cost of funding earning assets | 0.4814% | 2,439 |
| Net interest margin | 2.8080% | 5,624 |
| Noninterest income to average assets | 0.9071% | 1,364 |
| Noninterest expense to average assets | 4.3088% | 493 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.7559% | 6,287 |
| Return on assets (ROA) | -0.7559% | 6,294 |
| Pretax return on assets | -0.7559% | 6,282 |
| Return on Equity (ROE) | -5.9970% | 6,277 |
| Retained earnings to average equity (ytd only) | -5.9970% | 5,988 |
| Net charge-offs to loans | 1.0161% | 235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.3514% | 3,187 |
| Efficiency ratio | 121.2766% | 120 |
| Assets per employee ($millions) | 3.8965% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2991% | 100 |
| Loan loss allowance to noncurrent loans | 58.6118% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 3.8032% | 408 |
| Noncurrent loans to loans | 7.3350% | 116 |
| Net loans and leases to total assets | 49.6211% | 4,892 |
| Net loans and leases to deposits | 61.0792% | 4,657 |
| Net loans and leases to core deposits | 63.2781% | 4,761 |
| Total domestic deposits to total assets | 81.2407% | 4,753 |
| Equity capital to assets | 12.1612% | 1,918 |
| Core capital (leverage) ratio | 12.4594% | 1,376 |
| Tier 1 risk-based capital ratio | 19.9463% | 1,633 |
| Total risk-based capital ratio | 21.2255% | 1,597 |
| Memoranda: | ||
| Average total assets | $79,372,000 | 5,041 |
| Average earning assets | $74,786,000 | 4,994 |
| Average equity | $10,005,000 | 4,783 |
| Average total loans | $43,695,500 | 4,993 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 3,593 |
| Cost of funding earning assets | 0.5083% | 2,585 |
| Net interest margin | 3.5232% | 3,704 |
| Noninterest income to average assets | 1.1036% | 1,000 |
| Noninterest expense to average assets | 4.1368% | 651 |
| Loan and lease loss provision to assets | 0.2302% | 1,055 |
| Net operating income to assets | 0.0311% | 6,054 |
| Return on assets (ROA) | 0.0311% | 6,075 |
| Pretax return on assets | 0.0311% | 6,058 |
| Return on Equity (ROE) | 0.2483% | 6,081 |
| Retained earnings to average equity (ytd only) | 0.2483% | 5,671 |
| Net charge-offs to loans | 0.5875% | 683 |
| Credit loss provision to net charge-offs | 63.3562% | 3,224 |
| Earnings coverage of net charge-offs (x) | 0.7192% | 4,578 |
| Efficiency ratio | 94.0594% | 597 |
| Assets per employee ($millions) | 3.4963% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3034% | 107 |
| Loan loss allowance to noncurrent loans | 83.4771% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 3.0136% | 664 |
| Noncurrent loans to loans | 5.1552% | 275 |
| Net loans and leases to total assets | 55.9414% | 4,345 |
| Net loans and leases to deposits | 70.0479% | 3,903 |
| Net loans and leases to core deposits | 73.0928% | 4,018 |
| Total domestic deposits to total assets | 79.8617% | 5,058 |
| Equity capital to assets | 13.0776% | 1,332 |
| Core capital (leverage) ratio | 12.6284% | 1,297 |
| Tier 1 risk-based capital ratio | 19.7957% | 1,641 |
| Total risk-based capital ratio | 21.0783% | 1,605 |
| Memoranda: | ||
| Average total assets | $80,375,200 | 5,052 |
| Average earning assets | $75,158,600 | 5,017 |
| Average equity | $10,069,400 | 4,736 |
| Average total loans | $49,703,600 | 4,827 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 3,444 |
| Cost of funding earning assets | 0.5054% | 2,702 |
| Net interest margin | 3.5780% | 3,515 |
| Noninterest income to average assets | 1.1718% | 873 |
| Noninterest expense to average assets | 4.1128% | 676 |
| Loan and lease loss provision to assets | 0.1969% | 1,220 |
| Net operating income to assets | 0.2199% | 5,807 |
| Return on assets (ROA) | 0.2199% | 5,854 |
| Pretax return on assets | 0.2199% | 5,918 |
| Return on Equity (ROE) | 1.7738% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.7738% | 5,170 |
| Net charge-offs to loans | 0.1651% | 2,144 |
| Credit loss provision to net charge-offs | 190.4762% | 1,322 |
| Earnings coverage of net charge-offs (x) | 4.0317% | 3,545 |
| Efficiency ratio | 90.7971% | 787 |
| Assets per employee ($millions) | 4.1947% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4896% | 105 |
| Loan loss allowance to noncurrent loans | 87.0954% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 2.8727% | 842 |
| Noncurrent loans to loans | 5.1547% | 339 |
| Net loans and leases to total assets | 53.2267% | 4,669 |
| Net loans and leases to deposits | 69.4194% | 3,979 |
| Net loans and leases to core deposits | 71.4247% | 4,214 |
| Total domestic deposits to total assets | 76.6741% | 5,733 |
| Equity capital to assets | 12.0545% | 2,013 |
| Core capital (leverage) ratio | 12.0525% | 1,669 |
| Tier 1 risk-based capital ratio | 19.5906% | 1,761 |
| Total risk-based capital ratio | 20.8762% | 1,722 |
| Memoranda: | ||
| Average total assets | $81,239,500 | 5,084 |
| Average earning assets | $76,240,750 | 5,036 |
| Average equity | $10,072,000 | 4,768 |
| Average total loans | $50,888,500 | 4,836 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 4,173 |
| Cost of funding earning assets | 0.5062% | 2,772 |
| Net interest margin | 3.3841% | 4,244 |
| Noninterest income to average assets | 1.3440% | 663 |
| Noninterest expense to average assets | 4.2611% | 572 |
| Loan and lease loss provision to assets | 0.1493% | 1,652 |
| Net operating income to assets | 0.1120% | 6,022 |
| Return on assets (ROA) | 0.1120% | 6,064 |
| Pretax return on assets | 0.1120% | 6,076 |
| Return on Equity (ROE) | 0.8948% | 6,073 |
| Retained earnings to average equity (ytd only) | 0.8948% | 5,392 |
| Net charge-offs to loans | -0.0077% | 5,261 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2212% | 628 |
| Assets per employee ($millions) | 3.6346% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0816% | 164 |
| Loan loss allowance to noncurrent loans | 38.1920% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 6.5901% | 206 |
| Noncurrent loans to loans | 10.6871% | 66 |
| Net loans and leases to total assets | 59.1471% | 3,839 |
| Net loans and leases to deposits | 74.8800% | 3,210 |
| Net loans and leases to core deposits | 76.9832% | 3,540 |
| Total domestic deposits to total assets | 78.9892% | 5,461 |
| Equity capital to assets | 12.0175% | 1,966 |
| Core capital (leverage) ratio | 11.9038% | 1,717 |
| Tier 1 risk-based capital ratio | 19.3711% | 1,831 |
| Total risk-based capital ratio | 20.6565% | 1,789 |
| Memoranda: | ||
| Average total assets | $80,354,670 | 5,153 |
| Average earning assets | $75,470,330 | 5,092 |
| Average equity | $10,058,330 | 4,790 |
| Average total loans | $52,267,000 | 4,819 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8981% | 4,092 |
| Cost of funding earning assets | 0.5028% | 2,876 |
| Net interest margin | 3.3953% | 4,135 |
| Noninterest income to average assets | 1.9255% | 356 |
| Noninterest expense to average assets | 4.2726% | 564 |
| Loan and lease loss provision to assets | 0.1016% | 2,227 |
| Net operating income to assets | 0.7417% | 3,470 |
| Return on assets (ROA) | 0.7417% | 3,556 |
| Pretax return on assets | 0.7417% | 4,343 |
| Return on Equity (ROE) | 5.8026% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.8026% | 2,645 |
| Net charge-offs to loans | 0.0304% | 2,976 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 855 |
| Efficiency ratio | 83.5154% | 1,730 |
| Assets per employee ($millions) | 3.5720% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8777% | 209 |
| Loan loss allowance to noncurrent loans | 37.3842% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 6.7006% | 235 |
| Noncurrent loans to loans | 10.3725% | 92 |
| Net loans and leases to total assets | 62.0945% | 3,229 |
| Net loans and leases to deposits | 79.1667% | 2,410 |
| Net loans and leases to core deposits | 81.7718% | 2,759 |
| Total domestic deposits to total assets | 78.4352% | 5,767 |
| Equity capital to assets | 12.3739% | 1,642 |
| Core capital (leverage) ratio | 12.2409% | 1,512 |
| Tier 1 risk-based capital ratio | 17.7543% | 2,388 |
| Total risk-based capital ratio | 19.0348% | 2,351 |
| Memoranda: | ||
| Average total assets | $78,734,500 | 5,236 |
| Average earning assets | $73,985,500 | 5,178 |
| Average equity | $10,064,500 | 4,801 |
| Average total loans | $52,626,500 | 4,835 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5065% | 2,182 |
| Cost of funding earning assets | 0.6343% | 2,342 |
| Net interest margin | 3.8722% | 2,391 |
| Noninterest income to average assets | 1.2139% | 954 |
| Noninterest expense to average assets | 4.3133% | 621 |
| Loan and lease loss provision to assets | 0.3169% | 1,047 |
| Net operating income to assets | 0.2218% | 5,773 |
| Return on assets (ROA) | 0.2218% | 5,830 |
| Pretax return on assets | 0.2218% | 5,898 |
| Return on Equity (ROE) | 1.8371% | 5,897 |
| Retained earnings to average equity (ytd only) | 1.8371% | 4,928 |
| Net charge-offs to loans | 2.5656% | 111 |
| Credit loss provision to net charge-offs | 18.1564% | 4,481 |
| Earnings coverage of net charge-offs (x) | 0.3087% | 4,980 |
| Efficiency ratio | 88.8973% | 1,119 |
| Assets per employee ($millions) | 3.2744% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9134% | 213 |
| Loan loss allowance to noncurrent loans | 369.9275% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 2.1989% | 1,626 |
| Noncurrent loans to loans | 1.0579% | 3,397 |
| Net loans and leases to total assets | 66.5737% | 2,596 |
| Net loans and leases to deposits | 86.8356% | 1,593 |
| Net loans and leases to core deposits | 91.5244% | 1,843 |
| Total domestic deposits to total assets | 76.6664% | 6,031 |
| Equity capital to assets | 13.2290% | 1,167 |
| Core capital (leverage) ratio | 12.2137% | 1,488 |
| Tier 1 risk-based capital ratio | 17.4378% | 2,437 |
| Total risk-based capital ratio | 18.7168% | 2,403 |
| Memoranda: | ||
| Average total assets | $82,048,200 | 5,190 |
| Average earning assets | $77,088,400 | 5,117 |
| Average equity | $9,906,800 | 4,870 |
| Average total loans | $55,814,600 | 4,755 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 2,724 |
| Cost of funding earning assets | 0.6462% | 2,396 |
| Net interest margin | 3.7163% | 2,968 |
| Noninterest income to average assets | 1.1242% | 1,158 |
| Noninterest expense to average assets | 4.1433% | 726 |
| Loan and lease loss provision to assets | 0.4140% | 717 |
| Net operating income to assets | 0.0653% | 6,197 |
| Return on assets (ROA) | 0.0653% | 6,252 |
| Pretax return on assets | 0.0653% | 6,244 |
| Return on Equity (ROE) | 0.5526% | 6,262 |
| Retained earnings to average equity (ytd only) | 0.5526% | 5,748 |
| Net charge-offs to loans | 2.1178% | 170 |
| Credit loss provision to net charge-offs | 28.8568% | 3,917 |
| Earnings coverage of net charge-offs (x) | 0.3341% | 4,751 |
| Efficiency ratio | 89.6314% | 1,028 |
| Assets per employee ($millions) | 3.9824% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7491% | 136 |
| Loan loss allowance to noncurrent loans | 119.2860% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 4.4183% | 686 |
| Noncurrent loans to loans | 3.9812% | 882 |
| Net loans and leases to total assets | 61.7075% | 3,418 |
| Net loans and leases to deposits | 78.2170% | 2,626 |
| Net loans and leases to core deposits | 81.7223% | 2,902 |
| Total domestic deposits to total assets | 78.8927% | 5,763 |
| Equity capital to assets | 11.7470% | 2,090 |
| Core capital (leverage) ratio | 11.6064% | 1,944 |
| Tier 1 risk-based capital ratio | 16.2684% | 3,055 |
| Total risk-based capital ratio | 17.5569% | 2,995 |
| Memoranda: | ||
| Average total assets | $83,732,250 | 5,197 |
| Average earning assets | $78,822,250 | 5,113 |
| Average equity | $9,892,750 | 4,924 |
| Average total loans | $56,723,250 | 4,767 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 2,465 |
| Cost of funding earning assets | 0.6507% | 2,485 |
| Net interest margin | 3.7774% | 2,644 |
| Noninterest income to average assets | 1.0983% | 1,257 |
| Noninterest expense to average assets | 4.2093% | 686 |
| Loan and lease loss provision to assets | 0.6208% | 403 |
| Net operating income to assets | -0.1695% | 6,469 |
| Return on assets (ROA) | -0.1695% | 6,502 |
| Pretax return on assets | -0.1695% | 6,475 |
| Return on Equity (ROE) | -1.4321% | 6,490 |
| Retained earnings to average equity (ytd only) | -1.4321% | 6,115 |
| Net charge-offs to loans | -0.2397% | 6,710 |
| Credit loss provision to net charge-offs | -376.8116% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3176% | 1,038 |
| Assets per employee ($millions) | 3.8015% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3514% | 44 |
| Loan loss allowance to noncurrent loans | 159.2360% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 2.7119% | 1,539 |
| Noncurrent loans to loans | 3.9887% | 977 |
| Net loans and leases to total assets | 62.4641% | 3,208 |
| Net loans and leases to deposits | 78.9899% | 2,459 |
| Net loans and leases to core deposits | 81.9027% | 2,811 |
| Total domestic deposits to total assets | 79.0786% | 5,791 |
| Equity capital to assets | 11.6355% | 2,183 |
| Core capital (leverage) ratio | 11.3899% | 2,025 |
| Tier 1 risk-based capital ratio | 15.9053% | 3,252 |
| Total risk-based capital ratio | 17.2110% | 3,156 |
| Memoranda: | ||
| Average total assets | $83,766,330 | 5,231 |
| Average earning assets | $78,995,670 | 5,141 |
| Average equity | $9,915,670 | 4,968 |
| Average total loans | $57,571,330 | 4,764 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4141% | 2,471 |
| Cost of funding earning assets | 0.6616% | 2,552 |
| Net interest margin | 3.7525% | 2,649 |
| Noninterest income to average assets | 1.0306% | 1,397 |
| Noninterest expense to average assets | 4.2751% | 646 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3006% | 5,563 |
| Return on assets (ROA) | 0.3006% | 5,689 |
| Pretax return on assets | 0.3006% | 5,847 |
| Return on Equity (ROE) | 2.5180% | 5,769 |
| Retained earnings to average equity (ytd only) | 2.5180% | 4,764 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4307% | 880 |
| Assets per employee ($millions) | 4.0085% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5231% | 101 |
| Loan loss allowance to noncurrent loans | 162.6518% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 2.2895% | 2,033 |
| Noncurrent loans to loans | 3.3957% | 1,421 |
| Net loans and leases to total assets | 62.3425% | 2,991 |
| Net loans and leases to deposits | 78.1293% | 2,319 |
| Net loans and leases to core deposits | 82.0359% | 2,564 |
| Total domestic deposits to total assets | 79.7941% | 5,797 |
| Equity capital to assets | 11.3770% | 2,554 |
| Core capital (leverage) ratio | 11.6834% | 1,762 |
| Tier 1 risk-based capital ratio | 15.3942% | 3,595 |
| Total risk-based capital ratio | 16.6911% | 3,524 |
| Memoranda: | ||
| Average total assets | $83,833,500 | 5,272 |
| Average earning assets | $79,200,000 | 5,178 |
| Average equity | $10,008,000 | 4,983 |
| Average total loans | $58,465,500 | 4,760 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 3,365 |
| Cost of funding earning assets | 0.8042% | 2,630 |
| Net interest margin | 3.7026% | 3,628 |
| Noninterest income to average assets | 0.3020% | 5,293 |
| Noninterest expense to average assets | 4.2157% | 755 |
| Loan and lease loss provision to assets | 0.1594% | 3,623 |
| Net operating income to assets | -0.6987% | 6,648 |
| Return on assets (ROA) | -0.6987% | 6,679 |
| Pretax return on assets | -0.7277% | 6,658 |
| Return on Equity (ROE) | -6.4351% | 6,639 |
| Retained earnings to average equity (ytd only) | -6.4351% | 6,498 |
| Net charge-offs to loans | 1.9689% | 370 |
| Credit loss provision to net charge-offs | 12.3917% | 5,372 |
| Earnings coverage of net charge-offs (x) | -0.4419% | 5,656 |
| Efficiency ratio | 115.5820% | 255 |
| Assets per employee ($millions) | 3.6127% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4717% | 97 |
| Loan loss allowance to noncurrent loans | 163.1472% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 2.5327% | 1,921 |
| Noncurrent loans to loans | 3.3538% | 1,516 |
| Net loans and leases to total assets | 69.8603% | 1,871 |
| Net loans and leases to deposits | 89.9132% | 1,081 |
| Net loans and leases to core deposits | 95.5811% | 1,342 |
| Total domestic deposits to total assets | 77.6975% | 6,126 |
| Equity capital to assets | 12.5604% | 1,665 |
| Core capital (leverage) ratio | 11.2111% | 2,083 |
| Tier 1 risk-based capital ratio | 16.1471% | 3,082 |
| Total risk-based capital ratio | 17.4465% | 3,005 |
| Memoranda: | ||
| Average total assets | $89,737,000 | 5,088 |
| Average earning assets | $81,077,200 | 5,099 |
| Average equity | $9,743,400 | 5,042 |
| Average total loans | $58,612,200 | 4,769 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 3,896 |
| Cost of funding earning assets | 0.8069% | 2,886 |
| Net interest margin | 3.6295% | 4,103 |
| Noninterest income to average assets | -0.3582% | 7,107 |
| Noninterest expense to average assets | 5.2537% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -2.3257% | 7,076 |
| Return on assets (ROA) | -2.3257% | 7,078 |
| Pretax return on assets | -2.3632% | 7,066 |
| Return on Equity (ROE) | -22.1677% | 7,012 |
| Retained earnings to average equity (ytd only) | -22.1677% | 6,997 |
| Net charge-offs to loans | 3.1955% | 161 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -1.1652% | 5,590 |
| Efficiency ratio | 181.7591% | 47 |
| Assets per employee ($millions) | 4.1340% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8007% | 166 |
| Loan loss allowance to noncurrent loans | 150.3198% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 2.6828% | 1,961 |
| Noncurrent loans to loans | 3.1937% | 1,728 |
| Net loans and leases to total assets | 61.4861% | 3,481 |
| Net loans and leases to deposits | 76.0571% | 2,978 |
| Net loans and leases to core deposits | 80.0369% | 3,203 |
| Total domestic deposits to total assets | 80.8420% | 5,410 |
| Equity capital to assets | 10.4465% | 3,904 |
| Core capital (leverage) ratio | 10.0430% | 3,486 |
| Tier 1 risk-based capital ratio | 14.3728% | 4,280 |
| Total risk-based capital ratio | 15.6616% | 4,220 |
| Memoranda: | ||
| Average total assets | $92,301,250 | 5,069 |
| Average earning assets | $82,616,500 | 5,102 |
| Average equity | $9,683,500 | 5,102 |
| Average total loans | $58,580,500 | 4,815 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 3,816 |
| Cost of funding earning assets | 0.8131% | 3,092 |
| Net interest margin | 3.6749% | 3,946 |
| Noninterest income to average assets | 0.8582% | 1,939 |
| Noninterest expense to average assets | 7.7734% | 120 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -3.6506% | 7,181 |
| Return on assets (ROA) | -3.6506% | 7,184 |
| Pretax return on assets | -3.6506% | 7,179 |
| Return on Equity (ROE) | -34.7484% | 7,130 |
| Retained earnings to average equity (ytd only) | -34.7484% | 7,123 |
| Net charge-offs to loans | 4.7465% | 79 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.2189% | 5,330 |
| Efficiency ratio | 188.5460% | 46 |
| Assets per employee ($millions) | 4.3972% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9364% | 172 |
| Loan loss allowance to noncurrent loans | 135.6289% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 6.0222% | 703 |
| Noncurrent loans to loans | 3.6396% | 1,569 |
| Net loans and leases to total assets | 59.1449% | 3,962 |
| Net loans and leases to deposits | 72.8841% | 3,471 |
| Net loans and leases to core deposits | 76.6182% | 3,704 |
| Total domestic deposits to total assets | 81.1492% | 5,417 |
| Equity capital to assets | 10.1894% | 4,064 |
| Core capital (leverage) ratio | 10.0230% | 3,394 |
| Tier 1 risk-based capital ratio | 13.7064% | 4,657 |
| Total risk-based capital ratio | 15.0069% | 4,597 |
| Memoranda: | ||
| Average total assets | $92,752,000 | 5,098 |
| Average earning assets | $82,397,330 | 5,142 |
| Average equity | $9,744,330 | 5,093 |
| Average total loans | $58,527,000 | 4,852 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6564% | 3,233 |
| Cost of funding earning assets | 0.8422% | 3,130 |
| Net interest margin | 3.8142% | 3,323 |
| Noninterest income to average assets | 0.9510% | 1,565 |
| Noninterest expense to average assets | 6.4632% | 171 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -2.1601% | 7,166 |
| Return on assets (ROA) | -2.1601% | 7,168 |
| Pretax return on assets | -2.1601% | 7,148 |
| Return on Equity (ROE) | -20.2583% | 7,111 |
| Retained earnings to average equity (ytd only) | -20.2583% | 7,045 |
| Net charge-offs to loans | -1.3544% | 7,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.2000% | 103 |
| Assets per employee ($millions) | 4.1710% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9437% | 34 |
| Loan loss allowance to noncurrent loans | 114.4631% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 10.2809% | 280 |
| Noncurrent loans to loans | 6.9400% | 652 |
| Net loans and leases to total assets | 55.8706% | 4,411 |
| Net loans and leases to deposits | 69.3036% | 3,830 |
| Net loans and leases to core deposits | 72.9015% | 4,033 |
| Total domestic deposits to total assets | 80.6172% | 5,696 |
| Equity capital to assets | 10.7136% | 3,249 |
| Core capital (leverage) ratio | 10.4538% | 2,803 |
| Tier 1 risk-based capital ratio | 14.8790% | 3,836 |
| Total risk-based capital ratio | 16.2110% | 3,744 |
| Memoranda: | ||
| Average total assets | $92,957,500 | 5,126 |
| Average earning assets | $81,694,500 | 5,199 |
| Average equity | $9,912,000 | 5,063 |
| Average total loans | $59,065,000 | 4,854 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 4,823 |
| Cost of funding earning assets | 1.1846% | 2,136 |
| Net interest margin | 3.3779% | 5,554 |
| Noninterest income to average assets | 1.3273% | 734 |
| Noninterest expense to average assets | 6.0218% | 207 |
| Loan and lease loss provision to assets | 1.4270% | 533 |
| Net operating income to assets | -3.1174% | 7,192 |
| Return on assets (ROA) | -3.1174% | 7,194 |
| Pretax return on assets | -3.1174% | 7,195 |
| Return on Equity (ROE) | -27.3502% | 7,071 |
| Retained earnings to average equity (ytd only) | -27.3502% | 7,062 |
| Net charge-offs to loans | 0.3128% | 3,833 |
| Credit loss provision to net charge-offs | 666.6667% | 330 |
| Earnings coverage of net charge-offs (x) | -7.8971% | 6,383 |
| Efficiency ratio | 139.0262% | 185 |
| Assets per employee ($millions) | 4.7077% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7651% | 56 |
| Loan loss allowance to noncurrent loans | 105.9178% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 10.3746% | 301 |
| Noncurrent loans to loans | 6.3871% | 746 |
| Net loans and leases to total assets | 61.8292% | 3,633 |
| Net loans and leases to deposits | 76.3623% | 3,119 |
| Net loans and leases to core deposits | 80.3129% | 3,418 |
| Total domestic deposits to total assets | 80.9682% | 5,459 |
| Equity capital to assets | 10.6136% | 3,404 |
| Core capital (leverage) ratio | 10.4089% | 2,836 |
| Tier 1 risk-based capital ratio | 14.2099% | 4,169 |
| Total risk-based capital ratio | 15.5210% | 4,095 |
| Memoranda: | ||
| Average total assets | $95,303,000 | 5,032 |
| Average earning assets | $84,757,800 | 5,094 |
| Average equity | $10,862,800 | 4,815 |
| Average total loans | $65,225,600 | 4,667 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6482% | 4,678 |
| Cost of funding earning assets | 1.2340% | 2,094 |
| Net interest margin | 3.4142% | 5,528 |
| Noninterest income to average assets | 1.3195% | 751 |
| Noninterest expense to average assets | 5.1761% | 320 |
| Loan and lease loss provision to assets | 1.8969% | 303 |
| Net operating income to assets | -2.7087% | 7,242 |
| Return on assets (ROA) | -2.7087% | 7,255 |
| Pretax return on assets | -2.7087% | 7,245 |
| Return on Equity (ROE) | -23.3683% | 7,146 |
| Retained earnings to average equity (ytd only) | -23.3683% | 7,135 |
| Net charge-offs to loans | 0.5683% | 2,535 |
| Credit loss provision to net charge-offs | 483.9858% | 575 |
| Earnings coverage of net charge-offs (x) | -2.0712% | 6,026 |
| Efficiency ratio | 118.6002% | 322 |
| Assets per employee ($millions) | 4.8419% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9852% | 45 |
| Loan loss allowance to noncurrent loans | 77.3448% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 14.3096% | 149 |
| Noncurrent loans to loans | 9.0312% | 428 |
| Net loans and leases to total assets | 57.0391% | 4,674 |
| Net loans and leases to deposits | 70.0685% | 4,292 |
| Net loans and leases to core deposits | 74.7915% | 4,342 |
| Total domestic deposits to total assets | 81.4048% | 5,294 |
| Equity capital to assets | 10.5166% | 3,687 |
| Core capital (leverage) ratio | 10.2068% | 3,185 |
| Tier 1 risk-based capital ratio | 14.4373% | 4,021 |
| Total risk-based capital ratio | 15.7612% | 3,945 |
| Memoranda: | ||
| Average total assets | $95,590,500 | 5,056 |
| Average earning assets | $85,248,750 | 5,113 |
| Average equity | $11,080,250 | 4,789 |
| Average total loans | $65,922,500 | 4,677 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 4,490 |
| Cost of funding earning assets | 1.2686% | 2,128 |
| Net interest margin | 3.4426% | 5,396 |
| Noninterest income to average assets | 1.4584% | 601 |
| Noninterest expense to average assets | 5.7620% | 227 |
| Loan and lease loss provision to assets | 2.2275% | 253 |
| Net operating income to assets | -3.4232% | 7,357 |
| Return on assets (ROA) | -3.4232% | 7,362 |
| Pretax return on assets | -3.4232% | 7,354 |
| Return on Equity (ROE) | -28.6317% | 7,228 |
| Retained earnings to average equity (ytd only) | -28.6317% | 7,219 |
| Net charge-offs to loans | 0.8252% | 1,855 |
| Credit loss provision to net charge-offs | 377.2242% | 797 |
| Earnings coverage of net charge-offs (x) | -2.0249% | 5,715 |
| Efficiency ratio | 126.1850% | 286 |
| Assets per employee ($millions) | 5.7089% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1107% | 89 |
| Loan loss allowance to noncurrent loans | 50.9534% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 15.0488% | 146 |
| Noncurrent loans to loans | 11.9928% | 255 |
| Net loans and leases to total assets | 60.9195% | 4,104 |
| Net loans and leases to deposits | 75.3543% | 3,588 |
| Net loans and leases to core deposits | 80.9549% | 3,662 |
| Total domestic deposits to total assets | 80.8441% | 5,585 |
| Equity capital to assets | 10.8118% | 3,166 |
| Core capital (leverage) ratio | 10.6679% | 2,552 |
| Tier 1 risk-based capital ratio | 14.6868% | 3,680 |
| Total risk-based capital ratio | 15.9979% | 3,615 |
| Memoranda: | ||
| Average total assets | $95,175,000 | 5,100 |
| Average earning assets | $85,922,670 | 5,128 |
| Average equity | $11,379,000 | 4,721 |
| Average total loans | $68,102,330 | 4,639 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8133% | 4,000 |
| Cost of funding earning assets | 1.2934% | 2,218 |
| Net interest margin | 3.5199% | 4,917 |
| Noninterest income to average assets | 1.3753% | 685 |
| Noninterest expense to average assets | 4.9365% | 387 |
| Loan and lease loss provision to assets | 1.5493% | 404 |
| Net operating income to assets | -1.8761% | 7,266 |
| Return on assets (ROA) | -1.8761% | 7,264 |
| Pretax return on assets | -1.8761% | 7,231 |
| Return on Equity (ROE) | -14.9552% | 7,146 |
| Retained earnings to average equity (ytd only) | -14.9552% | 7,044 |
| Net charge-offs to loans | 0.1755% | 3,437 |
| Credit loss provision to net charge-offs | 1,177.4194% | 337 |
| Earnings coverage of net charge-offs (x) | -2.4839% | 4,978 |
| Efficiency ratio | 107.0902% | 558 |
| Assets per employee ($millions) | 4.7751% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8901% | 214 |
| Loan loss allowance to noncurrent loans | 41.8316% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 11.1474% | 325 |
| Noncurrent loans to loans | 11.6901% | 293 |
| Net loans and leases to total assets | 69.3033% | 2,265 |
| Net loans and leases to deposits | 87.3950% | 1,534 |
| Net loans and leases to core deposits | 95.0525% | 1,764 |
| Total domestic deposits to total assets | 79.2989% | 6,118 |
| Equity capital to assets | 12.1401% | 1,834 |
| Core capital (leverage) ratio | 12.0300% | 1,550 |
| Tier 1 risk-based capital ratio | 15.8341% | 2,980 |
| Total risk-based capital ratio | 17.1257% | 2,935 |
| Memoranda: | ||
| Average total assets | $94,237,000 | 5,161 |
| Average earning assets | $86,594,000 | 5,143 |
| Average equity | $11,822,000 | 4,597 |
| Average total loans | $70,668,000 | 4,595 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2531% | 3,347 |
| Cost of funding earning assets | 1.7215% | 1,504 |
| Net interest margin | 3.5316% | 5,106 |
| Noninterest income to average assets | 2.3970% | 294 |
| Noninterest expense to average assets | 3.4989% | 2,182 |
| Loan and lease loss provision to assets | 3.6068% | 203 |
| Net operating income to assets | -1.4210% | 6,887 |
| Return on assets (ROA) | -1.4210% | 6,902 |
| Pretax return on assets | -1.4210% | 6,825 |
| Return on Equity (ROE) | -12.5666% | 6,829 |
| Retained earnings to average equity (ytd only) | -12.5666% | 6,781 |
| Net charge-offs to loans | 2.4511% | 766 |
| Credit loss provision to net charge-offs | 205.2802% | 1,512 |
| Earnings coverage of net charge-offs (x) | 1.2441% | 4,856 |
| Efficiency ratio | 61.5487% | 5,800 |
| Assets per employee ($millions) | 4.4272% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2761% | 315 |
| Loan loss allowance to noncurrent loans | 43.7349% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 10.2461% | 393 |
| Noncurrent loans to loans | 9.7774% | 443 |
| Net loans and leases to total assets | 73.8706% | 1,684 |
| Net loans and leases to deposits | 94.7166% | 988 |
| Net loans and leases to core deposits | 102.3395% | 1,427 |
| Total domestic deposits to total assets | 77.9912% | 6,315 |
| Equity capital to assets | 12.9609% | 1,406 |
| Core capital (leverage) ratio | 12.5712% | 1,282 |
| Tier 1 risk-based capital ratio | 15.2866% | 3,107 |
| Total risk-based capital ratio | 16.5693% | 3,042 |
| Memoranda: | ||
| Average total assets | $105,633,000 | 4,832 |
| Average earning assets | $98,342,000 | 4,761 |
| Average equity | $11,944,400 | 4,629 |
| Average total loans | $75,720,800 | 4,463 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3114% | 3,294 |
| Cost of funding earning assets | 1.7866% | 1,471 |
| Net interest margin | 3.5247% | 5,202 |
| Noninterest income to average assets | 0.8811% | 1,870 |
| Noninterest expense to average assets | 3.2720% | 2,668 |
| Loan and lease loss provision to assets | 4.0563% | 154 |
| Net operating income to assets | -3.1568% | 7,473 |
| Return on assets (ROA) | -3.1568% | 7,487 |
| Pretax return on assets | -3.1568% | 7,454 |
| Return on Equity (ROE) | -28.8184% | 7,371 |
| Retained earnings to average equity (ytd only) | -28.8184% | 7,361 |
| Net charge-offs to loans | -0.1338% | 7,584 |
| Credit loss provision to net charge-offs | -4,298.7013% | 7,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4371% | 2,563 |
| Assets per employee ($millions) | 4.9481% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8450% | 113 |
| Loan loss allowance to noncurrent loans | 46.9349% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 10.9911% | 329 |
| Noncurrent loans to loans | 12.4534% | 260 |
| Net loans and leases to total assets | 73.2817% | 1,960 |
| Net loans and leases to deposits | 91.2857% | 1,540 |
| Net loans and leases to core deposits | 95.9641% | 2,265 |
| Total domestic deposits to total assets | 80.2773% | 5,616 |
| Equity capital to assets | 11.1245% | 2,835 |
| Core capital (leverage) ratio | 10.1903% | 3,053 |
| Tier 1 risk-based capital ratio | 13.5169% | 4,197 |
| Total risk-based capital ratio | 14.8268% | 4,086 |
| Memoranda: | ||
| Average total assets | $108,798,250 | 4,811 |
| Average earning assets | $101,565,750 | 4,742 |
| Average equity | $11,918,000 | 4,702 |
| Average total loans | $76,714,250 | 4,505 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0237% | 4,830 |
| Cost of funding earning assets | 1.8676% | 1,345 |
| Net interest margin | 3.1561% | 6,445 |
| Noninterest income to average assets | 0.3623% | 5,251 |
| Noninterest expense to average assets | 3.3227% | 2,491 |
| Loan and lease loss provision to assets | 0.8744% | 1,661 |
| Net operating income to assets | -0.8976% | 6,902 |
| Return on assets (ROA) | -0.8976% | 6,921 |
| Pretax return on assets | -0.8976% | 6,844 |
| Return on Equity (ROE) | -8.2317% | 6,901 |
| Retained earnings to average equity (ytd only) | -8.2317% | 6,828 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7031% | 782 |
| Assets per employee ($millions) | 6.0991% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0578% | 2,055 |
| Loan loss allowance to noncurrent loans | 41.2445% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 6.8763% | 780 |
| Noncurrent loans to loans | 4.9894% | 1,382 |
| Net loans and leases to total assets | 69.5390% | 3,012 |
| Net loans and leases to deposits | 85.1803% | 2,665 |
| Net loans and leases to core deposits | 89.0660% | 3,401 |
| Total domestic deposits to total assets | 81.6374% | 5,137 |
| Equity capital to assets | 10.9935% | 2,866 |
| Core capital (leverage) ratio | 10.4784% | 2,648 |
| Tier 1 risk-based capital ratio | 13.9840% | 3,741 |
| Total risk-based capital ratio | 15.2380% | 3,702 |
| Memoranda: | ||
| Average total assets | $112,077,000 | 4,747 |
| Average earning assets | $104,306,330 | 4,685 |
| Average equity | $12,221,000 | 4,619 |
| Average total loans | $76,611,330 | 4,552 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7189% | 6,180 |
| Cost of funding earning assets | 1.9185% | 1,377 |
| Net interest margin | 2.8004% | 7,174 |
| Noninterest income to average assets | 0.3639% | 5,228 |
| Noninterest expense to average assets | 3.1230% | 3,170 |
| Loan and lease loss provision to assets | 1.7311% | 655 |
| Net operating income to assets | -1.8653% | 7,430 |
| Return on assets (ROA) | -1.8653% | 7,434 |
| Pretax return on assets | -1.8653% | 7,375 |
| Return on Equity (ROE) | -17.1749% | 7,376 |
| Retained earnings to average equity (ytd only) | -17.1749% | 7,286 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4917% | 711 |
| Assets per employee ($millions) | 6.5775% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0559% | 2,048 |
| Loan loss allowance to noncurrent loans | 33.3056% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 7.2959% | 716 |
| Noncurrent loans to loans | 6.1729% | 1,053 |
| Net loans and leases to total assets | 64.5416% | 4,207 |
| Net loans and leases to deposits | 77.2881% | 4,168 |
| Net loans and leases to core deposits | 80.2179% | 4,736 |
| Total domestic deposits to total assets | 83.5077% | 4,381 |
| Equity capital to assets | 10.1634% | 3,653 |
| Core capital (leverage) ratio | 10.4536% | 2,666 |
| Tier 1 risk-based capital ratio | 14.0720% | 3,611 |
| Total risk-based capital ratio | 15.2767% | 3,602 |
| Memoranda: | ||
| Average total assets | $113,224,000 | 4,793 |
| Average earning assets | $106,126,500 | 4,700 |
| Average equity | $12,297,000 | 4,638 |
| Average total loans | $75,944,000 | 4,639 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6836% | 3,194 |
| Cost of funding earning assets | 2.5945% | 793 |
| Net interest margin | 3.0891% | 6,400 |
| Noninterest income to average assets | 1.8306% | 443 |
| Noninterest expense to average assets | 3.5252% | 2,319 |
| Loan and lease loss provision to assets | 0.9749% | 2,317 |
| Net operating income to assets | 0.2334% | 4,788 |
| Return on assets (ROA) | 0.2334% | 4,859 |
| Pretax return on assets | 0.2334% | 4,932 |
| Return on Equity (ROE) | 2.0307% | 4,889 |
| Retained earnings to average equity (ytd only) | 2.0307% | 3,687 |
| Net charge-offs to loans | 0.9225% | 2,543 |
| Credit loss provision to net charge-offs | 141.6309% | 3,417 |
| Earnings coverage of net charge-offs (x) | 1.7554% | 4,412 |
| Efficiency ratio | 74.4747% | 3,797 |
| Assets per employee ($millions) | 6.3561% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 3,677 |
| Loan loss allowance to noncurrent loans | 37.2700% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 4.0702% | 1,622 |
| Noncurrent loans to loans | 4.0463% | 1,834 |
| Net loans and leases to total assets | 67.3336% | 3,851 |
| Net loans and leases to deposits | 82.4683% | 3,552 |
| Net loans and leases to core deposits | 109.0811% | 2,991 |
| Total domestic deposits to total assets | 81.6479% | 5,086 |
| Equity capital to assets | 11.6249% | 2,231 |
| Core capital (leverage) ratio | 12.5934% | 1,411 |
| Tier 1 risk-based capital ratio | 15.6051% | 2,672 |
| Total risk-based capital ratio | 16.8685% | 2,620 |
| Memoranda: | ||
| Average total assets | $101,553,200 | 5,050 |
| Average earning assets | $95,432,200 | 4,963 |
| Average equity | $11,671,000 | 4,821 |
| Average total loans | $75,774,800 | 4,659 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6139% | 3,782 |
| Cost of funding earning assets | 2.7408% | 708 |
| Net interest margin | 2.8731% | 6,915 |
| Noninterest income to average assets | 1.5571% | 612 |
| Noninterest expense to average assets | 3.8333% | 1,534 |
| Loan and lease loss provision to assets | 0.7472% | 2,500 |
| Net operating income to assets | -0.3282% | 6,239 |
| Return on assets (ROA) | -0.3282% | 6,253 |
| Pretax return on assets | -0.3282% | 6,127 |
| Return on Equity (ROE) | -2.8649% | 6,227 |
| Retained earnings to average equity (ytd only) | -2.8649% | 5,915 |
| Net charge-offs to loans | 0.9145% | 2,139 |
| Credit loss provision to net charge-offs | 107.0746% | 4,749 |
| Earnings coverage of net charge-offs (x) | 0.6004% | 5,434 |
| Efficiency ratio | 90.1475% | 1,677 |
| Assets per employee ($millions) | 5.8812% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 5,487 |
| Loan loss allowance to noncurrent loans | 174.6450% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 1.5893% | 3,972 |
| Noncurrent loans to loans | 0.6515% | 5,996 |
| Net loans and leases to total assets | 74.8242% | 2,286 |
| Net loans and leases to deposits | 91.9098% | 2,247 |
| Net loans and leases to core deposits | 139.2021% | 954 |
| Total domestic deposits to total assets | 81.4105% | 4,914 |
| Equity capital to assets | 11.0781% | 2,944 |
| Core capital (leverage) ratio | 10.8234% | 2,547 |
| Tier 1 risk-based capital ratio | 13.7138% | 3,703 |
| Total risk-based capital ratio | 14.7853% | 3,758 |
| Memoranda: | ||
| Average total assets | $99,928,250 | 5,126 |
| Average earning assets | $93,741,500 | 5,050 |
| Average equity | $11,448,500 | 4,936 |
| Average total loans | $76,251,000 | 4,688 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6824% | 3,646 |
| Cost of funding earning assets | 2.8241% | 734 |
| Net interest margin | 2.8583% | 6,890 |
| Noninterest income to average assets | 0.8007% | 2,403 |
| Noninterest expense to average assets | 2.3581% | 6,599 |
| Loan and lease loss provision to assets | 0.2202% | 4,836 |
| Net operating income to assets | 0.8928% | 2,479 |
| Return on assets (ROA) | 0.8928% | 2,592 |
| Pretax return on assets | 0.8928% | 3,367 |
| Return on Equity (ROE) | 7.7078% | 2,886 |
| Retained earnings to average equity (ytd only) | 7.7078% | 1,313 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9354% | 5,161 |
| Assets per employee ($millions) | 6.4985% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 5,342 |
| Loan loss allowance to noncurrent loans | 62.8110% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 3.2729% | 1,902 |
| Noncurrent loans to loans | 1.8114% | 3,790 |
| Net loans and leases to total assets | 78.0536% | 1,731 |
| Net loans and leases to deposits | 96.8507% | 1,677 |
| Net loans and leases to core deposits | 157.5069% | 487 |
| Total domestic deposits to total assets | 80.5917% | 5,236 |
| Equity capital to assets | 11.3055% | 2,678 |
| Core capital (leverage) ratio | 11.4938% | 2,088 |
| Tier 1 risk-based capital ratio | 13.9497% | 3,548 |
| Total risk-based capital ratio | 15.0633% | 3,561 |
| Memoranda: | ||
| Average total assets | $99,910,670 | 5,164 |
| Average earning assets | $93,341,000 | 5,085 |
| Average equity | $11,572,670 | 4,931 |
| Average total loans | $76,444,330 | 4,720 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7157% | 3,715 |
| Cost of funding earning assets | 2.9406% | 699 |
| Net interest margin | 2.7751% | 7,044 |
| Noninterest income to average assets | 1.1851% | 1,037 |
| Noninterest expense to average assets | 2.3213% | 6,462 |
| Loan and lease loss provision to assets | 0.2452% | 4,018 |
| Net operating income to assets | 1.2219% | 1,593 |
| Return on assets (ROA) | 1.2219% | 1,698 |
| Pretax return on assets | 1.2219% | 2,546 |
| Return on Equity (ROE) | 10.4168% | 2,159 |
| Retained earnings to average equity (ytd only) | 10.4168% | 1,091 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2729% | 6,205 |
| Assets per employee ($millions) | 6.3097% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 5,173 |
| Loan loss allowance to noncurrent loans | 133.5347% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 2.5368% | 2,260 |
| Noncurrent loans to loans | 0.8555% | 5,313 |
| Net loans and leases to total assets | 75.7734% | 2,327 |
| Net loans and leases to deposits | 94.4186% | 2,206 |
| Net loans and leases to core deposits | 152.0603% | 646 |
| Total domestic deposits to total assets | 80.2526% | 5,260 |
| Equity capital to assets | 11.5200% | 2,575 |
| Core capital (leverage) ratio | 11.6890% | 2,049 |
| Tier 1 risk-based capital ratio | 14.0803% | 3,533 |
| Total risk-based capital ratio | 15.1556% | 3,570 |
| Memoranda: | ||
| Average total assets | $97,878,000 | 5,240 |
| Average earning assets | $91,817,000 | 5,151 |
| Average equity | $11,481,500 | 4,982 |
| Average total loans | $73,621,000 | 4,849 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5708% | 2,621 |
| Cost of funding earning assets | 2.8806% | 2,351 |
| Net interest margin | 3.6902% | 4,513 |
| Noninterest income to average assets | 0.5561% | 4,188 |
| Noninterest expense to average assets | 3.6510% | 2,040 |
| Loan and lease loss provision to assets | 0.7452% | 1,996 |
| Net operating income to assets | -0.4685% | 6,897 |
| Return on assets (ROA) | -0.4685% | 6,777 |
| Pretax return on assets | -0.4685% | 6,630 |
| Return on Equity (ROE) | -2.9293% | 6,613 |
| Retained earnings to average equity (ytd only) | -2.9293% | 6,090 |
| Net charge-offs to loans | 0.4645% | 2,507 |
| Credit loss provision to net charge-offs | 213.5458% | 2,260 |
| Earnings coverage of net charge-offs (x) | 0.7928% | 5,755 |
| Efficiency ratio | 92.9558% | 1,328 |
| Assets per employee ($millions) | 4.9895% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 4,709 |
| Loan loss allowance to noncurrent loans | 32.1749% | 6,580 |
| Noncurrent assets plus other real estate owned to assets | 2.7014% | 1,757 |
| Noncurrent loans to loans | 3.6659% | 1,375 |
| Net loans and leases to total assets | 72.8231% | 3,407 |
| Net loans and leases to deposits | 92.0751% | 3,122 |
| Net loans and leases to core deposits | 164.9236% | 496 |
| Total domestic deposits to total assets | 79.0909% | 5,345 |
| Equity capital to assets | 11.9545% | 2,317 |
| Core capital (leverage) ratio | 13.6587% | 1,342 |
| Tier 1 risk-based capital ratio | 14.5178% | 3,285 |
| Total risk-based capital ratio | 15.5786% | 3,303 |
| Memoranda: | ||
| Average total assets | $71,925,600 | 5,969 |
| Average earning assets | $65,714,600 | 5,972 |
| Average equity | $11,504,400 | 4,967 |
| Average total loans | $54,041,600 | 5,523 |