Home > OneSouth Bank > Performance and Condition Ratios
OneSouth Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8644% | 753 |
| Cost of funding earning assets | 1.9396% | 1,013 |
| Net interest margin | 3.9248% | 1,325 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 3.1815% | 846 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7813% | 2,932 |
| Return on assets (ROA) | 0.7813% | 2,912 |
| Pretax return on assets | 0.7813% | 3,254 |
| Return on Equity (ROE) | 7.2000% | 3,228 |
| Retained earnings to average equity (ytd only) | 7.2025% | 1,828 |
| Net charge-offs to loans | -0.0645% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.4463% | 951 |
| Assets per employee ($millions) | 7.6279% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 1,182 |
| Loan loss allowance to noncurrent loans | 188.6463% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 880 |
| Noncurrent loans to loans | 0.7727% | 1,009 |
| Net loans and leases to total assets | 79.2100% | 739 |
| Net loans and leases to deposits | 94.6994% | 889 |
| Net loans and leases to core deposits | 115.4624% | 762 |
| Total domestic deposits to total assets | 83.6500% | 2,720 |
| Equity capital to assets | 10.4851% | 1,729 |
| Core capital (leverage) ratio | 10.6752% | 2,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5889% | 1,654 |
| Memoranda: | ||
| Average total assets | $208,361,400 | 2,930 |
| Average earning assets | $197,563,400 | 2,890 |
| Average equity | $22,603,200 | 2,651 |
| Average total loans | $170,420,000 | 2,518 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7352% | 750 |
| Cost of funding earning assets | 1.7208% | 1,148 |
| Net interest margin | 4.0145% | 1,196 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 3.1989% | 818 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8384% | 2,905 |
| Return on assets (ROA) | 0.8384% | 2,881 |
| Pretax return on assets | 0.8384% | 3,247 |
| Return on Equity (ROE) | 7.6600% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.6594% | 2,088 |
| Net charge-offs to loans | -0.0712% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.1394% | 999 |
| Assets per employee ($millions) | 8.1617% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 1,261 |
| Loan loss allowance to noncurrent loans | 716.4345% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 2,491 |
| Noncurrent loans to loans | 0.2021% | 2,544 |
| Net loans and leases to total assets | 79.4300% | 715 |
| Net loans and leases to deposits | 96.1980% | 743 |
| Net loans and leases to core deposits | 117.9386% | 605 |
| Total domestic deposits to total assets | 82.5700% | 3,098 |
| Equity capital to assets | 10.3650% | 1,613 |
| Core capital (leverage) ratio | 10.9084% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6808% | 1,662 |
| Memoranda: | ||
| Average total assets | $205,149,500 | 2,958 |
| Average earning assets | $194,558,750 | 2,924 |
| Average equity | $22,455,500 | 2,653 |
| Average total loans | $168,570,000 | 2,538 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 14,144.0000% | 27 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 36,331.0000% | 23 |
| Cost of funding earning assets | 87.0000% | 16 |
| Net interest margin | 18.0000% | 13 |
| Noninterest income to average assets | 0.0060% | 4,582 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.9746% | 2,497 |
| Pretax return on assets | 0.9746% | 2,982 |
| Return on Equity (ROE) | 8.7300% | 3,054 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0080% | 1,918 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,066 |
| Efficiency ratio | 4.7135% | 4,610 |
| Assets per employee ($millions) | 0.1286% | 4,612 |
| Cash dividends to net income (ytd only)* | 1.2321% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 5.0000% | 30 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0038% | 4,529 |
| Total domestic deposits to total assets | 19,467.0000% | 5 |
| Equity capital to assets | 170,113.0000% | 7 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $22,201,000 | 4,568 |
| Average earning assets | $2,588 | 4,639 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2779% | 849 |
| Cost of funding earning assets | 1.1937% | 1,470 |
| Net interest margin | 4.0842% | 1,125 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 3.1891% | 815 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.9070% | 2,828 |
| Return on assets (ROA) | 0.9070% | 2,787 |
| Pretax return on assets | 0.9070% | 3,216 |
| Return on Equity (ROE) | 7.9300% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.9290% | 2,242 |
| Net charge-offs to loans | -0.0372% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.3951% | 1,143 |
| Assets per employee ($millions) | 7.0304% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 1,255 |
| Loan loss allowance to noncurrent loans | 670.6849% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 2,219 |
| Noncurrent loans to loans | 0.2237% | 2,369 |
| Net loans and leases to total assets | 81.6500% | 403 |
| Net loans and leases to deposits | 95.9669% | 656 |
| Net loans and leases to core deposits | 109.7294% | 712 |
| Total domestic deposits to total assets | 85.0900% | 2,836 |
| Equity capital to assets | 11.3487% | 1,207 |
| Core capital (leverage) ratio | 11.7231% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2180% | 1,566 |
| Memoranda: | ||
| Average total assets | $194,037,000 | 3,075 |
| Average earning assets | $183,634,500 | 3,039 |
| Average equity | $22,197,000 | 2,701 |
| Average total loans | $161,428,500 | 2,608 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6991% | 517 |
| Cost of funding earning assets | 0.4070% | 2,038 |
| Net interest margin | 4.2921% | 433 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 3.3120% | 617 |
| Loan and lease loss provision to assets | 0.3400% | 219 |
| Net operating income to assets | 0.7138% | 3,575 |
| Return on assets (ROA) | 0.7138% | 3,522 |
| Pretax return on assets | 0.7138% | 3,820 |
| Return on Equity (ROE) | 6.6700% | 3,699 |
| Retained earnings to average equity (ytd only) | 6.6742% | 2,378 |
| Net charge-offs to loans | 0.0351% | 1,378 |
| Credit loss provision to net charge-offs | 1,194.0000% | 386 |
| Earnings coverage of net charge-offs (x) | 37.2800% | 1,547 |
| Efficiency ratio | 75.9266% | 1,015 |
| Assets per employee ($millions) | 7.0824% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,202 |
| Loan loss allowance to noncurrent loans | 526.3736% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 1,957 |
| Noncurrent loans to loans | 0.2850% | 2,126 |
| Net loans and leases to total assets | 82.2500% | 385 |
| Net loans and leases to deposits | 96.3766% | 617 |
| Net loans and leases to core deposits | 104.9626% | 789 |
| Total domestic deposits to total assets | 85.3400% | 2,899 |
| Equity capital to assets | 11.5331% | 1,073 |
| Core capital (leverage) ratio | 11.7605% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0540% | 1,616 |
| Memoranda: | ||
| Average total assets | $177,503,800 | 3,214 |
| Average earning assets | $167,331,400 | 3,183 |
| Average equity | $18,983,600 | 3,041 |
| Average total loans | $142,338,800 | 2,703 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 524 |
| Cost of funding earning assets | 0.3213% | 1,952 |
| Net interest margin | 4.1448% | 473 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 3.2798% | 614 |
| Loan and lease loss provision to assets | 0.3600% | 169 |
| Net operating income to assets | 0.5737% | 3,903 |
| Return on assets (ROA) | 0.5737% | 3,853 |
| Pretax return on assets | 0.5737% | 4,030 |
| Return on Equity (ROE) | 5.4800% | 3,885 |
| Retained earnings to average equity (ytd only) | 5.4822% | 2,925 |
| Net charge-offs to loans | -0.0222% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.7697% | 935 |
| Assets per employee ($millions) | 7.0260% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 1,183 |
| Loan loss allowance to noncurrent loans | 337.5540% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 1,472 |
| Noncurrent loans to loans | 0.4567% | 1,663 |
| Net loans and leases to total assets | 78.9800% | 618 |
| Net loans and leases to deposits | 90.6512% | 851 |
| Net loans and leases to core deposits | 97.7210% | 912 |
| Total domestic deposits to total assets | 87.1200% | 2,725 |
| Equity capital to assets | 10.3029% | 1,467 |
| Core capital (leverage) ratio | 10.6539% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2177% | 1,972 |
| Memoranda: | ||
| Average total assets | $174,073,750 | 3,266 |
| Average earning assets | $163,927,500 | 3,236 |
| Average equity | $18,216,000 | 3,146 |
| Average total loans | $138,005,250 | 2,751 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3378% | 499 |
| Cost of funding earning assets | 0.2487% | 2,289 |
| Net interest margin | 4.0891% | 408 |
| Noninterest income to average assets | 0.3269% | 3,210 |
| Noninterest expense to average assets | 3.3554% | 506 |
| Loan and lease loss provision to assets | 0.4311% | 127 |
| Net operating income to assets | 0.3766% | 4,156 |
| Return on assets (ROA) | 0.3766% | 4,112 |
| Pretax return on assets | 0.3766% | 4,194 |
| Return on Equity (ROE) | 3.5785% | 4,121 |
| Retained earnings to average equity (ytd only) | 3.5785% | 3,244 |
| Net charge-offs to loans | -0.0090% | 3,556 |
| Credit loss provision to net charge-offs | -6,066.6667% | 3,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5974% | 900 |
| Assets per employee ($millions) | 6.2673% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 1,418 |
| Loan loss allowance to noncurrent loans | 356.0193% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 1,576 |
| Noncurrent loans to loans | 0.4202% | 1,856 |
| Net loans and leases to total assets | 83.2281% | 222 |
| Net loans and leases to deposits | 97.0149% | 385 |
| Net loans and leases to core deposits | 108.6042% | 377 |
| Total domestic deposits to total assets | 85.7890% | 3,299 |
| Equity capital to assets | 10.2021% | 1,587 |
| Core capital (leverage) ratio | 10.5607% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5693% | 2,266 |
| Memoranda: | ||
| Average total assets | $168,864,000 | 3,343 |
| Average earning assets | $158,422,000 | 3,329 |
| Average equity | $17,773,000 | 3,256 |
| Average total loans | $133,284,333 | 2,818 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 789 |
| Cost of funding earning assets | 0.2354% | 2,316 |
| Net interest margin | 3.7557% | 683 |
| Noninterest income to average assets | 0.3407% | 3,053 |
| Noninterest expense to average assets | 3.3681% | 483 |
| Loan and lease loss provision to assets | 0.1329% | 612 |
| Net operating income to assets | 0.3479% | 4,061 |
| Return on assets (ROA) | 0.3479% | 4,024 |
| Pretax return on assets | 0.3479% | 4,112 |
| Return on Equity (ROE) | 3.2528% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.2528% | 3,178 |
| Net charge-offs to loans | -0.0286% | 4,065 |
| Credit loss provision to net charge-offs | -611.1111% | 3,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5078% | 659 |
| Assets per employee ($millions) | 5.7960% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 1,623 |
| Loan loss allowance to noncurrent loans | 187.6349% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 954 |
| Noncurrent loans to loans | 0.7890% | 1,204 |
| Net loans and leases to total assets | 78.4014% | 348 |
| Net loans and leases to deposits | 89.3856% | 544 |
| Net loans and leases to core deposits | 98.0715% | 573 |
| Total domestic deposits to total assets | 87.7114% | 2,658 |
| Equity capital to assets | 10.9398% | 1,358 |
| Core capital (leverage) ratio | 10.8616% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7392% | 1,576 |
| Memoranda: | ||
| Average total assets | $165,554,000 | 3,379 |
| Average earning assets | $154,645,500 | 3,368 |
| Average equity | $17,708,000 | 3,348 |
| Average total loans | $125,791,500 | 2,894 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 772 |
| Cost of funding earning assets | 0.3293% | 2,128 |
| Net interest margin | 4.0296% | 665 |
| Noninterest income to average assets | 0.4903% | 2,619 |
| Noninterest expense to average assets | 3.2728% | 655 |
| Loan and lease loss provision to assets | 0.1083% | 1,166 |
| Net operating income to assets | 0.8347% | 3,221 |
| Return on assets (ROA) | 0.8347% | 3,296 |
| Pretax return on assets | 0.8347% | 3,655 |
| Return on Equity (ROE) | 8.1187% | 3,186 |
| Retained earnings to average equity (ytd only) | 8.1187% | 1,490 |
| Net charge-offs to loans | -0.0191% | 3,958 |
| Credit loss provision to net charge-offs | -778.2609% | 3,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6310% | 981 |
| Assets per employee ($millions) | 6.0293% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,512 |
| Loan loss allowance to noncurrent loans | 198.4962% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 1,198 |
| Noncurrent loans to loans | 0.7604% | 1,334 |
| Net loans and leases to total assets | 71.4293% | 886 |
| Net loans and leases to deposits | 81.0631% | 1,129 |
| Net loans and leases to core deposits | 88.9665% | 1,018 |
| Total domestic deposits to total assets | 88.1157% | 1,984 |
| Equity capital to assets | 10.4620% | 2,205 |
| Core capital (leverage) ratio | 10.4687% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0084% | 1,508 |
| Memoranda: | ||
| Average total assets | $165,212,200 | 3,343 |
| Average earning assets | $152,745,000 | 3,352 |
| Average equity | $16,985,400 | 3,462 |
| Average total loans | $120,420,200 | 2,951 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4097% | 797 |
| Cost of funding earning assets | 0.3477% | 2,139 |
| Net interest margin | 4.0620% | 699 |
| Noninterest income to average assets | 0.5372% | 2,465 |
| Noninterest expense to average assets | 3.2775% | 618 |
| Loan and lease loss provision to assets | 0.1455% | 777 |
| Net operating income to assets | 0.8593% | 3,350 |
| Return on assets (ROA) | 0.8593% | 3,421 |
| Pretax return on assets | 0.8593% | 3,774 |
| Return on Equity (ROE) | 8.3964% | 3,284 |
| Retained earnings to average equity (ytd only) | 8.3964% | 1,913 |
| Net charge-offs to loans | -0.0734% | 4,502 |
| Credit loss provision to net charge-offs | -271.2121% | 3,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5397% | 998 |
| Assets per employee ($millions) | 6.0005% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 1,622 |
| Loan loss allowance to noncurrent loans | 165.4418% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.6803% | 1,105 |
| Noncurrent loans to loans | 0.9082% | 1,267 |
| Net loans and leases to total assets | 73.7790% | 711 |
| Net loans and leases to deposits | 83.6030% | 990 |
| Net loans and leases to core deposits | 92.2939% | 915 |
| Total domestic deposits to total assets | 88.2492% | 1,690 |
| Equity capital to assets | 10.3259% | 2,596 |
| Core capital (leverage) ratio | 10.3525% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0233% | 1,605 |
| Memoranda: | ||
| Average total assets | $164,310,250 | 3,388 |
| Average earning assets | $151,481,750 | 3,397 |
| Average equity | $16,816,250 | 3,525 |
| Average total loans | $119,916,500 | 2,990 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 889 |
| Cost of funding earning assets | 0.3701% | 2,138 |
| Net interest margin | 4.0018% | 817 |
| Noninterest income to average assets | 0.6561% | 1,985 |
| Noninterest expense to average assets | 3.3077% | 612 |
| Loan and lease loss provision to assets | 0.1521% | 779 |
| Net operating income to assets | 0.8695% | 3,308 |
| Return on assets (ROA) | 0.8695% | 3,379 |
| Pretax return on assets | 0.8695% | 3,725 |
| Return on Equity (ROE) | 8.5223% | 3,257 |
| Retained earnings to average equity (ytd only) | 8.5223% | 1,886 |
| Net charge-offs to loans | -0.1204% | 4,681 |
| Credit loss provision to net charge-offs | -174.6479% | 3,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4023% | 1,046 |
| Assets per employee ($millions) | 5.7061% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 1,585 |
| Loan loss allowance to noncurrent loans | 162.6325% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 1,202 |
| Noncurrent loans to loans | 0.9235% | 1,336 |
| Net loans and leases to total assets | 72.9614% | 856 |
| Net loans and leases to deposits | 82.5894% | 1,163 |
| Net loans and leases to core deposits | 90.6038% | 1,098 |
| Total domestic deposits to total assets | 88.3423% | 1,650 |
| Equity capital to assets | 10.2739% | 2,600 |
| Core capital (leverage) ratio | 10.0679% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2444% | 1,277 |
| Memoranda: | ||
| Average total assets | $163,075,667 | 3,404 |
| Average earning assets | $149,684,000 | 3,421 |
| Average equity | $16,638,667 | 3,549 |
| Average total loans | $117,938,667 | 3,025 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1129% | 1,354 |
| Cost of funding earning assets | 0.4156% | 1,968 |
| Net interest margin | 3.6973% | 1,336 |
| Noninterest income to average assets | 0.8871% | 1,363 |
| Noninterest expense to average assets | 3.3063% | 600 |
| Loan and lease loss provision to assets | 0.1384% | 977 |
| Net operating income to assets | 0.8056% | 3,406 |
| Return on assets (ROA) | 0.8056% | 3,477 |
| Pretax return on assets | 0.8056% | 3,802 |
| Return on Equity (ROE) | 7.9234% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.9234% | 2,266 |
| Net charge-offs to loans | -0.2110% | 4,790 |
| Credit loss provision to net charge-offs | -91.8033% | 2,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7907% | 972 |
| Assets per employee ($millions) | 5.8055% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,592 |
| Loan loss allowance to noncurrent loans | 139.0379% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.7800% | 1,157 |
| Noncurrent loans to loans | 1.0815% | 1,235 |
| Net loans and leases to total assets | 71.0424% | 1,147 |
| Net loans and leases to deposits | 81.2025% | 1,410 |
| Net loans and leases to core deposits | 89.3202% | 1,270 |
| Total domestic deposits to total assets | 87.4879% | 2,095 |
| Equity capital to assets | 10.2242% | 2,501 |
| Core capital (leverage) ratio | 10.1766% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5596% | 1,411 |
| Memoranda: | ||
| Average total assets | $161,874,500 | 3,413 |
| Average earning assets | $147,244,000 | 3,453 |
| Average equity | $16,457,500 | 3,563 |
| Average total loans | $115,620,000 | 3,058 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7788% | 763 |
| Cost of funding earning assets | 0.6845% | 1,810 |
| Net interest margin | 4.0943% | 792 |
| Noninterest income to average assets | 0.4051% | 3,069 |
| Noninterest expense to average assets | 3.3883% | 802 |
| Loan and lease loss provision to assets | 0.2744% | 1,401 |
| Net operating income to assets | 0.5009% | 4,031 |
| Return on assets (ROA) | 0.5009% | 4,117 |
| Pretax return on assets | 0.5009% | 4,268 |
| Return on Equity (ROE) | 4.8753% | 3,938 |
| Retained earnings to average equity (ytd only) | 4.8753% | 2,330 |
| Net charge-offs to loans | 0.2324% | 751 |
| Credit loss provision to net charge-offs | 163.7066% | 2,350 |
| Earnings coverage of net charge-offs (x) | 4.6255% | 2,959 |
| Efficiency ratio | 81.3802% | 788 |
| Assets per employee ($millions) | 5.3731% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,798 |
| Loan loss allowance to noncurrent loans | 129.6063% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 1,298 |
| Noncurrent loans to loans | 1.1141% | 1,276 |
| Net loans and leases to total assets | 69.6974% | 1,598 |
| Net loans and leases to deposits | 81.7707% | 1,680 |
| Net loans and leases to core deposits | 90.9354% | 1,460 |
| Total domestic deposits to total assets | 85.2352% | 2,674 |
| Equity capital to assets | 10.1089% | 3,021 |
| Core capital (leverage) ratio | 10.1882% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9406% | 1,275 |
| Memoranda: | ||
| Average total assets | $154,532,600 | 3,348 |
| Average earning assets | $141,854,400 | 3,360 |
| Average equity | $15,876,000 | 3,569 |
| Average total loans | $111,459,400 | 3,081 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8855% | 754 |
| Cost of funding earning assets | 0.7411% | 1,793 |
| Net interest margin | 4.1445% | 817 |
| Noninterest income to average assets | 0.3977% | 3,089 |
| Noninterest expense to average assets | 3.4434% | 762 |
| Loan and lease loss provision to assets | 0.2800% | 1,433 |
| Net operating income to assets | 0.5181% | 3,983 |
| Return on assets (ROA) | 0.5181% | 4,082 |
| Pretax return on assets | 0.5181% | 4,248 |
| Return on Equity (ROE) | 5.0217% | 3,893 |
| Retained earnings to average equity (ytd only) | 5.0217% | 2,548 |
| Net charge-offs to loans | 0.3272% | 478 |
| Credit loss provision to net charge-offs | 118.0147% | 2,507 |
| Earnings coverage of net charge-offs (x) | 3.3640% | 2,918 |
| Efficiency ratio | 81.1845% | 779 |
| Assets per employee ($millions) | 5.2384% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,259 |
| Loan loss allowance to noncurrent loans | 104.0816% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.9481% | 1,186 |
| Noncurrent loans to loans | 1.2265% | 1,244 |
| Net loans and leases to total assets | 75.2914% | 1,189 |
| Net loans and leases to deposits | 89.8189% | 1,284 |
| Net loans and leases to core deposits | 100.1379% | 1,155 |
| Total domestic deposits to total assets | 83.8259% | 2,883 |
| Equity capital to assets | 10.2557% | 3,004 |
| Core capital (leverage) ratio | 10.1584% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1726% | 1,216 |
| Memoranda: | ||
| Average total assets | $152,867,250 | 3,352 |
| Average earning assets | $141,776,000 | 3,350 |
| Average equity | $15,771,250 | 3,579 |
| Average total loans | $110,825,750 | 3,098 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8648% | 1,030 |
| Cost of funding earning assets | 0.8146% | 1,761 |
| Net interest margin | 4.0502% | 1,217 |
| Noninterest income to average assets | 0.3764% | 3,222 |
| Noninterest expense to average assets | 3.4654% | 777 |
| Loan and lease loss provision to assets | 0.2522% | 1,668 |
| Net operating income to assets | 0.4147% | 4,206 |
| Return on assets (ROA) | 0.4147% | 4,265 |
| Pretax return on assets | 0.4147% | 4,391 |
| Return on Equity (ROE) | 4.0112% | 4,102 |
| Retained earnings to average equity (ytd only) | 4.0112% | 2,897 |
| Net charge-offs to loans | 0.5250% | 304 |
| Credit loss provision to net charge-offs | 67.4912% | 2,565 |
| Earnings coverage of net charge-offs (x) | 1.7845% | 2,827 |
| Efficiency ratio | 83.8607% | 649 |
| Assets per employee ($millions) | 5.1058% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 2,393 |
| Loan loss allowance to noncurrent loans | 75.7361% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.1764% | 937 |
| Noncurrent loans to loans | 1.6152% | 910 |
| Net loans and leases to total assets | 70.8613% | 1,900 |
| Net loans and leases to deposits | 84.2459% | 1,976 |
| Net loans and leases to core deposits | 94.7834% | 1,685 |
| Total domestic deposits to total assets | 84.1124% | 2,715 |
| Equity capital to assets | 10.0075% | 3,199 |
| Core capital (leverage) ratio | 9.9811% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8856% | 1,270 |
| Memoranda: | ||
| Average total assets | $151,439,000 | 3,344 |
| Average earning assets | $140,436,333 | 3,340 |
| Average equity | $15,656,000 | 3,588 |
| Average total loans | $107,817,000 | 3,129 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0106% | 946 |
| Cost of funding earning assets | 0.8964% | 1,886 |
| Net interest margin | 4.1142% | 1,108 |
| Noninterest income to average assets | 0.4027% | 3,079 |
| Noninterest expense to average assets | 3.6671% | 730 |
| Loan and lease loss provision to assets | 0.2432% | 1,278 |
| Net operating income to assets | 0.3000% | 4,347 |
| Return on assets (ROA) | 0.3000% | 4,366 |
| Pretax return on assets | 0.3000% | 4,456 |
| Return on Equity (ROE) | 2.8527% | 4,252 |
| Retained earnings to average equity (ytd only) | 2.8527% | 3,141 |
| Net charge-offs to loans | 1.0062% | 155 |
| Credit loss provision to net charge-offs | 34.0909% | 2,132 |
| Earnings coverage of net charge-offs (x) | 0.7614% | 2,443 |
| Efficiency ratio | 87.0988% | 625 |
| Assets per employee ($millions) | 4.8270% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 2,231 |
| Loan loss allowance to noncurrent loans | 93.5576% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.9830% | 1,348 |
| Noncurrent loans to loans | 1.3703% | 1,175 |
| Net loans and leases to total assets | 67.2563% | 2,658 |
| Net loans and leases to deposits | 80.6373% | 2,614 |
| Net loans and leases to core deposits | 91.7378% | 2,191 |
| Total domestic deposits to total assets | 83.4060% | 2,978 |
| Equity capital to assets | 10.4338% | 3,381 |
| Core capital (leverage) ratio | 10.5375% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2406% | 1,290 |
| Memoranda: | ||
| Average total assets | $148,018,000 | 3,352 |
| Average earning assets | $136,989,500 | 3,355 |
| Average equity | $15,564,000 | 3,606 |
| Average total loans | $104,951,000 | 3,153 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5080% | 555 |
| Cost of funding earning assets | 0.9498% | 1,959 |
| Net interest margin | 4.5583% | 634 |
| Noninterest income to average assets | 0.4145% | 3,208 |
| Noninterest expense to average assets | 3.6377% | 820 |
| Loan and lease loss provision to assets | 0.3389% | 460 |
| Net operating income to assets | 0.6602% | 3,987 |
| Return on assets (ROA) | 0.6602% | 4,060 |
| Pretax return on assets | 0.6602% | 4,304 |
| Return on Equity (ROE) | 6.4057% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.4057% | 1,665 |
| Net charge-offs to loans | 0.5161% | 362 |
| Credit loss provision to net charge-offs | 88.0734% | 2,676 |
| Earnings coverage of net charge-offs (x) | 2.5963% | 3,398 |
| Efficiency ratio | 78.4529% | 1,099 |
| Assets per employee ($millions) | 4.8799% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 1,621 |
| Loan loss allowance to noncurrent loans | 113.8355% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.9256% | 1,371 |
| Noncurrent loans to loans | 1.2051% | 1,246 |
| Net loans and leases to total assets | 72.7285% | 1,959 |
| Net loans and leases to deposits | 84.0700% | 2,325 |
| Net loans and leases to core deposits | 94.8754% | 1,991 |
| Total domestic deposits to total assets | 86.5094% | 1,843 |
| Equity capital to assets | 10.5978% | 3,348 |
| Core capital (leverage) ratio | 10.3033% | 3,189 |
| Tier 1 risk-based capital ratio | 15.9714% | 2,417 |
| Total risk-based capital ratio | 17.2251% | 2,363 |
| Memoranda: | ||
| Average total assets | $141,626,400 | 3,413 |
| Average earning assets | $131,190,600 | 3,401 |
| Average equity | $14,596,400 | 3,677 |
| Average total loans | $105,600,000 | 3,149 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5724% | 521 |
| Cost of funding earning assets | 0.9349% | 2,063 |
| Net interest margin | 4.6375% | 565 |
| Noninterest income to average assets | 0.4244% | 3,182 |
| Noninterest expense to average assets | 3.7388% | 710 |
| Loan and lease loss provision to assets | 0.2753% | 564 |
| Net operating income to assets | 0.7054% | 3,993 |
| Return on assets (ROA) | 0.7054% | 4,061 |
| Pretax return on assets | 0.7054% | 4,330 |
| Return on Equity (ROE) | 6.8954% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.8954% | 1,916 |
| Net charge-offs to loans | 0.3454% | 490 |
| Credit loss provision to net charge-offs | 106.6176% | 2,138 |
| Earnings coverage of net charge-offs (x) | 3.7978% | 3,073 |
| Efficiency ratio | 79.2195% | 992 |
| Assets per employee ($millions) | 4.9462% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 1,552 |
| Loan loss allowance to noncurrent loans | 144.0147% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8289% | 1,663 |
| Noncurrent loans to loans | 0.9773% | 1,636 |
| Net loans and leases to total assets | 76.3755% | 1,419 |
| Net loans and leases to deposits | 88.6954% | 1,841 |
| Net loans and leases to core deposits | 100.4125% | 1,630 |
| Total domestic deposits to total assets | 86.1099% | 1,941 |
| Equity capital to assets | 10.6365% | 3,434 |
| Core capital (leverage) ratio | 10.5635% | 3,045 |
| Tier 1 risk-based capital ratio | 14.6443% | 3,009 |
| Total risk-based capital ratio | 15.8969% | 2,934 |
| Memoranda: | ||
| Average total assets | $140,433,500 | 3,468 |
| Average earning assets | $130,065,500 | 3,462 |
| Average equity | $14,366,750 | 3,733 |
| Average total loans | $105,011,500 | 3,193 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4732% | 593 |
| Cost of funding earning assets | 0.8970% | 2,163 |
| Net interest margin | 4.5763% | 649 |
| Noninterest income to average assets | 0.4303% | 3,063 |
| Noninterest expense to average assets | 3.6964% | 755 |
| Loan and lease loss provision to assets | 0.2869% | 499 |
| Net operating income to assets | 0.6842% | 4,051 |
| Return on assets (ROA) | 0.6842% | 4,109 |
| Pretax return on assets | 0.6842% | 4,366 |
| Return on Equity (ROE) | 6.7804% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.7804% | 1,914 |
| Net charge-offs to loans | 0.4195% | 399 |
| Credit loss provision to net charge-offs | 92.5926% | 2,108 |
| Earnings coverage of net charge-offs (x) | 3.1343% | 2,874 |
| Efficiency ratio | 79.1948% | 1,038 |
| Assets per employee ($millions) | 4.9273% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 1,521 |
| Loan loss allowance to noncurrent loans | 64.5842% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.7300% | 602 |
| Noncurrent loans to loans | 2.2015% | 613 |
| Net loans and leases to total assets | 74.2367% | 1,850 |
| Net loans and leases to deposits | 85.9998% | 2,254 |
| Net loans and leases to core deposits | 96.9050% | 1,987 |
| Total domestic deposits to total assets | 86.3219% | 1,883 |
| Equity capital to assets | 10.4904% | 3,523 |
| Core capital (leverage) ratio | 10.3737% | 3,217 |
| Tier 1 risk-based capital ratio | 14.7282% | 2,949 |
| Total risk-based capital ratio | 15.9808% | 2,879 |
| Memoranda: | ||
| Average total assets | $139,431,330 | 3,501 |
| Average earning assets | $129,101,330 | 3,491 |
| Average equity | $14,070,000 | 3,778 |
| Average total loans | $102,976,330 | 3,240 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2802% | 783 |
| Cost of funding earning assets | 0.8481% | 2,281 |
| Net interest margin | 4.4321% | 839 |
| Noninterest income to average assets | 0.4415% | 2,903 |
| Noninterest expense to average assets | 3.7531% | 696 |
| Loan and lease loss provision to assets | 0.1743% | 963 |
| Net operating income to assets | 0.6129% | 4,198 |
| Return on assets (ROA) | 0.6129% | 4,240 |
| Pretax return on assets | 0.6129% | 4,485 |
| Return on Equity (ROE) | 6.2013% | 3,952 |
| Retained earnings to average equity (ytd only) | 6.2013% | 2,366 |
| Net charge-offs to loans | -0.0755% | 4,954 |
| Credit loss provision to net charge-offs | -315.7895% | 3,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6615% | 817 |
| Assets per employee ($millions) | 5.0764% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6545% | 951 |
| Loan loss allowance to noncurrent loans | 87.3656% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.3810% | 915 |
| Noncurrent loans to loans | 1.8938% | 803 |
| Net loans and leases to total assets | 67.9548% | 2,762 |
| Net loans and leases to deposits | 78.5408% | 3,001 |
| Net loans and leases to core deposits | 88.3619% | 2,650 |
| Total domestic deposits to total assets | 86.5217% | 2,056 |
| Equity capital to assets | 10.3553% | 3,469 |
| Core capital (leverage) ratio | 10.2919% | 3,284 |
| Tier 1 risk-based capital ratio | 14.8380% | 2,942 |
| Total risk-based capital ratio | 16.0924% | 2,877 |
| Memoranda: | ||
| Average total assets | $137,700,500 | 3,561 |
| Average earning assets | $127,342,500 | 3,554 |
| Average equity | $13,610,000 | 3,852 |
| Average total loans | $100,660,000 | 3,317 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3621% | 520 |
| Cost of funding earning assets | 0.7043% | 2,065 |
| Net interest margin | 4.6578% | 535 |
| Noninterest income to average assets | 0.7161% | 1,785 |
| Noninterest expense to average assets | 3.8723% | 625 |
| Loan and lease loss provision to assets | 0.4636% | 272 |
| Net operating income to assets | 0.6900% | 4,164 |
| Return on assets (ROA) | 0.6900% | 4,169 |
| Pretax return on assets | 0.6900% | 4,436 |
| Return on Equity (ROE) | 7.6119% | 3,612 |
| Retained earnings to average equity (ytd only) | 7.6119% | 1,410 |
| Net charge-offs to loans | 0.2475% | 778 |
| Credit loss provision to net charge-offs | 235.0195% | 1,259 |
| Earnings coverage of net charge-offs (x) | 5.8482% | 3,145 |
| Efficiency ratio | 77.0464% | 1,230 |
| Assets per employee ($millions) | 4.7593% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 1,295 |
| Loan loss allowance to noncurrent loans | 119.3822% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.0633% | 1,278 |
| Noncurrent loans to loans | 1.2560% | 1,267 |
| Net loans and leases to total assets | 76.2098% | 1,579 |
| Net loans and leases to deposits | 87.2739% | 2,138 |
| Net loans and leases to core deposits | 97.4982% | 1,910 |
| Total domestic deposits to total assets | 87.3226% | 1,633 |
| Equity capital to assets | 9.3808% | 4,238 |
| Core capital (leverage) ratio | 9.1617% | 4,494 |
| Tier 1 risk-based capital ratio | 12.3320% | 4,224 |
| Total risk-based capital ratio | 13.5847% | 4,102 |
| Memoranda: | ||
| Average total assets | $130,284,400 | 3,646 |
| Average earning assets | $120,550,000 | 3,634 |
| Average equity | $11,810,400 | 4,048 |
| Average total loans | $103,848,800 | 3,235 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2894% | 536 |
| Cost of funding earning assets | 0.6446% | 2,177 |
| Net interest margin | 4.6447% | 536 |
| Noninterest income to average assets | 0.4879% | 2,934 |
| Noninterest expense to average assets | 3.8824% | 607 |
| Loan and lease loss provision to assets | 0.3077% | 470 |
| Net operating income to assets | 0.5990% | 4,503 |
| Return on assets (ROA) | 0.5990% | 4,511 |
| Pretax return on assets | 0.5990% | 4,730 |
| Return on Equity (ROE) | 6.6678% | 4,047 |
| Retained earnings to average equity (ytd only) | 6.6678% | 2,297 |
| Net charge-offs to loans | 0.3191% | 524 |
| Credit loss provision to net charge-offs | 120.0803% | 1,987 |
| Earnings coverage of net charge-offs (x) | 3.5382% | 3,152 |
| Efficiency ratio | 81.0660% | 855 |
| Assets per employee ($millions) | 4.4354% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 3,099 |
| Loan loss allowance to noncurrent loans | 113.7523% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.9169% | 1,612 |
| Noncurrent loans to loans | 0.9808% | 1,733 |
| Net loans and leases to total assets | 83.1920% | 542 |
| Net loans and leases to deposits | 97.7811% | 967 |
| Net loans and leases to core deposits | 106.6291% | 1,260 |
| Total domestic deposits to total assets | 85.0799% | 2,577 |
| Equity capital to assets | 9.0033% | 4,548 |
| Core capital (leverage) ratio | 9.3836% | 4,300 |
| Tier 1 risk-based capital ratio | 11.7191% | 4,658 |
| Total risk-based capital ratio | 12.9391% | 4,567 |
| Memoranda: | ||
| Average total assets | $129,540,250 | 3,686 |
| Average earning assets | $119,960,750 | 3,680 |
| Average equity | $11,637,750 | 4,104 |
| Average total loans | $104,035,000 | 3,257 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1803% | 574 |
| Cost of funding earning assets | 0.5975% | 2,243 |
| Net interest margin | 4.5828% | 572 |
| Noninterest income to average assets | 0.5095% | 2,808 |
| Noninterest expense to average assets | 3.9668% | 557 |
| Loan and lease loss provision to assets | 0.3178% | 431 |
| Net operating income to assets | 0.4674% | 4,826 |
| Return on assets (ROA) | 0.4674% | 4,830 |
| Pretax return on assets | 0.4674% | 4,963 |
| Return on Equity (ROE) | 5.2067% | 4,494 |
| Retained earnings to average equity (ytd only) | 5.2067% | 2,971 |
| Net charge-offs to loans | 0.2821% | 568 |
| Credit loss provision to net charge-offs | 142.6573% | 1,626 |
| Earnings coverage of net charge-offs (x) | 3.5245% | 2,870 |
| Efficiency ratio | 83.4754% | 725 |
| Assets per employee ($millions) | 3.8143% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,721 |
| Loan loss allowance to noncurrent loans | 86.7171% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.5492% | 848 |
| Noncurrent loans to loans | 1.3830% | 1,229 |
| Net loans and leases to total assets | 82.4671% | 660 |
| Net loans and leases to deposits | 94.8770% | 1,258 |
| Net loans and leases to core deposits | 102.2801% | 1,542 |
| Total domestic deposits to total assets | 86.9200% | 1,873 |
| Equity capital to assets | 9.2896% | 4,292 |
| Core capital (leverage) ratio | 9.3208% | 4,337 |
| Tier 1 risk-based capital ratio | 12.1023% | 4,439 |
| Total risk-based capital ratio | 13.3522% | 4,315 |
| Memoranda: | ||
| Average total assets | $128,366,330 | 3,728 |
| Average earning assets | $118,835,000 | 3,734 |
| Average equity | $11,523,670 | 4,153 |
| Average total loans | $101,398,000 | 3,313 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9807% | 726 |
| Cost of funding earning assets | 0.5727% | 2,233 |
| Net interest margin | 4.4081% | 755 |
| Noninterest income to average assets | 0.5308% | 2,629 |
| Noninterest expense to average assets | 4.1014% | 466 |
| Loan and lease loss provision to assets | 0.1852% | 919 |
| Net operating income to assets | 0.3302% | 5,050 |
| Return on assets (ROA) | 0.3302% | 5,055 |
| Pretax return on assets | 0.3302% | 5,126 |
| Return on Equity (ROE) | 3.7416% | 4,838 |
| Retained earnings to average equity (ytd only) | 3.7416% | 3,701 |
| Net charge-offs to loans | -0.3174% | 5,454 |
| Credit loss provision to net charge-offs | -75.9494% | 3,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8369% | 493 |
| Assets per employee ($millions) | 3.9292% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 2,024 |
| Loan loss allowance to noncurrent loans | 87.4510% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.5633% | 874 |
| Noncurrent loans to loans | 1.5427% | 1,134 |
| Net loans and leases to total assets | 75.4529% | 1,628 |
| Net loans and leases to deposits | 86.1058% | 2,155 |
| Net loans and leases to core deposits | 92.5977% | 2,252 |
| Total domestic deposits to total assets | 87.6281% | 1,834 |
| Equity capital to assets | 8.8636% | 4,693 |
| Core capital (leverage) ratio | 8.9660% | 4,711 |
| Tier 1 risk-based capital ratio | 12.3849% | 4,318 |
| Total risk-based capital ratio | 13.6370% | 4,210 |
| Memoranda: | ||
| Average total assets | $129,613,500 | 3,757 |
| Average earning assets | $120,143,000 | 3,745 |
| Average equity | $11,439,000 | 4,200 |
| Average total loans | $99,565,500 | 3,366 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1251% | 507 |
| Cost of funding earning assets | 0.6086% | 1,539 |
| Net interest margin | 4.5165% | 593 |
| Noninterest income to average assets | 0.4858% | 3,092 |
| Noninterest expense to average assets | 3.8351% | 668 |
| Loan and lease loss provision to assets | 0.7769% | 150 |
| Net operating income to assets | 0.0531% | 5,304 |
| Return on assets (ROA) | 0.0531% | 5,312 |
| Pretax return on assets | 0.0531% | 5,405 |
| Return on Equity (ROE) | 0.6087% | 5,296 |
| Retained earnings to average equity (ytd only) | 0.6087% | 4,798 |
| Net charge-offs to loans | 0.9529% | 198 |
| Credit loss provision to net charge-offs | 101.8887% | 2,515 |
| Earnings coverage of net charge-offs (x) | 1.0885% | 3,930 |
| Efficiency ratio | 82.2096% | 916 |
| Assets per employee ($millions) | 3.5989% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,783 |
| Loan loss allowance to noncurrent loans | 67.5874% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.7605% | 716 |
| Noncurrent loans to loans | 1.7748% | 902 |
| Net loans and leases to total assets | 76.2245% | 1,550 |
| Net loans and leases to deposits | 86.8676% | 2,150 |
| Net loans and leases to core deposits | 92.6835% | 2,307 |
| Total domestic deposits to total assets | 87.7480% | 1,630 |
| Equity capital to assets | 8.7873% | 4,904 |
| Core capital (leverage) ratio | 8.5247% | 5,113 |
| Tier 1 risk-based capital ratio | 11.8908% | 4,599 |
| Total risk-based capital ratio | 13.1397% | 4,481 |
| Memoranda: | ||
| Average total assets | $131,939,800 | 3,720 |
| Average earning assets | $122,084,600 | 3,710 |
| Average equity | $11,500,600 | 4,225 |
| Average total loans | $105,577,400 | 3,255 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0233% | 582 |
| Cost of funding earning assets | 0.5961% | 1,552 |
| Net interest margin | 4.4272% | 692 |
| Noninterest income to average assets | 0.4698% | 3,214 |
| Noninterest expense to average assets | 3.8258% | 653 |
| Loan and lease loss provision to assets | 0.1861% | 1,057 |
| Net operating income to assets | 0.5523% | 4,565 |
| Return on assets (ROA) | 0.5523% | 4,603 |
| Pretax return on assets | 0.5523% | 4,927 |
| Return on Equity (ROE) | 6.3488% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.3488% | 2,032 |
| Net charge-offs to loans | 0.0287% | 2,859 |
| Credit loss provision to net charge-offs | 804.3478% | 430 |
| Earnings coverage of net charge-offs (x) | 31.9087% | 1,496 |
| Efficiency ratio | 83.8219% | 767 |
| Assets per employee ($millions) | 3.9414% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 3,260 |
| Loan loss allowance to noncurrent loans | 54.4864% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 2.0910% | 604 |
| Noncurrent loans to loans | 2.0899% | 796 |
| Net loans and leases to total assets | 82.1109% | 669 |
| Net loans and leases to deposits | 103.2323% | 538 |
| Net loans and leases to core deposits | 109.7765% | 1,041 |
| Total domestic deposits to total assets | 79.5399% | 4,428 |
| Equity capital to assets | 8.3754% | 5,356 |
| Core capital (leverage) ratio | 9.1765% | 4,540 |
| Tier 1 risk-based capital ratio | 10.7472% | 5,360 |
| Total risk-based capital ratio | 11.9597% | 5,294 |
| Memoranda: | ||
| Average total assets | $132,534,250 | 3,748 |
| Average earning assets | $122,571,750 | 3,742 |
| Average equity | $11,529,500 | 4,264 |
| Average total loans | $106,982,500 | 3,259 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 648 |
| Cost of funding earning assets | 0.5830% | 1,558 |
| Net interest margin | 4.3491% | 765 |
| Noninterest income to average assets | 0.4590% | 3,297 |
| Noninterest expense to average assets | 3.9362% | 571 |
| Loan and lease loss provision to assets | 0.1932% | 961 |
| Net operating income to assets | 0.3647% | 5,058 |
| Return on assets (ROA) | 0.3647% | 5,081 |
| Pretax return on assets | 0.3647% | 5,245 |
| Return on Equity (ROE) | 4.1362% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.1362% | 3,245 |
| Net charge-offs to loans | 0.0290% | 2,627 |
| Credit loss provision to net charge-offs | 833.3333% | 441 |
| Earnings coverage of net charge-offs (x) | 24.0667% | 1,655 |
| Efficiency ratio | 87.5860% | 567 |
| Assets per employee ($millions) | 3.5599% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 3,195 |
| Loan loss allowance to noncurrent loans | 51.7864% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 2.3370% | 491 |
| Noncurrent loans to loans | 2.2591% | 712 |
| Net loans and leases to total assets | 85.0340% | 343 |
| Net loans and leases to deposits | 100.7377% | 684 |
| Net loans and leases to core deposits | 108.6500% | 1,072 |
| Total domestic deposits to total assets | 84.4113% | 3,049 |
| Equity capital to assets | 9.0202% | 4,878 |
| Core capital (leverage) ratio | 9.3002% | 4,367 |
| Tier 1 risk-based capital ratio | 11.0260% | 5,235 |
| Total risk-based capital ratio | 12.2541% | 5,148 |
| Memoranda: | ||
| Average total assets | $129,415,330 | 3,813 |
| Average earning assets | $120,071,670 | 3,808 |
| Average equity | $11,411,330 | 4,292 |
| Average total loans | $103,360,000 | 3,330 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 962 |
| Cost of funding earning assets | 0.5832% | 1,491 |
| Net interest margin | 4.1024% | 1,209 |
| Noninterest income to average assets | 0.4645% | 3,226 |
| Noninterest expense to average assets | 3.9402% | 578 |
| Loan and lease loss provision to assets | 0.1846% | 926 |
| Net operating income to assets | 0.1476% | 5,462 |
| Return on assets (ROA) | 0.1476% | 5,471 |
| Pretax return on assets | 0.1476% | 5,484 |
| Return on Equity (ROE) | 1.6936% | 5,384 |
| Retained earnings to average equity (ytd only) | 1.6936% | 4,429 |
| Net charge-offs to loans | -0.0160% | 4,623 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2246% | 441 |
| Assets per employee ($millions) | 3.5415% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,927 |
| Loan loss allowance to noncurrent loans | 56.0108% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 2.1444% | 590 |
| Noncurrent loans to loans | 2.2004% | 772 |
| Net loans and leases to total assets | 78.1913% | 1,107 |
| Net loans and leases to deposits | 89.3064% | 1,633 |
| Net loans and leases to core deposits | 97.2348% | 1,728 |
| Total domestic deposits to total assets | 87.5540% | 1,962 |
| Equity capital to assets | 8.9149% | 4,897 |
| Core capital (leverage) ratio | 8.8932% | 4,850 |
| Tier 1 risk-based capital ratio | 11.6919% | 4,916 |
| Total risk-based capital ratio | 12.9418% | 4,817 |
| Memoranda: | ||
| Average total assets | $130,044,500 | 3,839 |
| Average earning assets | $120,711,000 | 3,829 |
| Average equity | $11,337,000 | 4,329 |
| Average total loans | $99,906,500 | 3,419 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9773% | 618 |
| Cost of funding earning assets | 0.5586% | 1,614 |
| Net interest margin | 4.4187% | 743 |
| Noninterest income to average assets | 0.5911% | 2,707 |
| Noninterest expense to average assets | 3.9784% | 621 |
| Loan and lease loss provision to assets | 0.1992% | 1,168 |
| Net operating income to assets | 0.4782% | 4,719 |
| Return on assets (ROA) | 0.4782% | 4,794 |
| Pretax return on assets | 0.4782% | 5,072 |
| Return on Equity (ROE) | 5.2191% | 4,322 |
| Retained earnings to average equity (ytd only) | 3.2257% | 3,618 |
| Net charge-offs to loans | 0.0625% | 2,808 |
| Credit loss provision to net charge-offs | 400.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 13.6000% | 2,354 |
| Efficiency ratio | 85.4494% | 861 |
| Assets per employee ($millions) | 3.6832% | 4,506 |
| Cash dividends to net income (ytd only)* | 38.1944% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 3,160 |
| Loan loss allowance to noncurrent loans | 55.7920% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.9820% | 698 |
| Noncurrent loans to loans | 2.1390% | 802 |
| Net loans and leases to total assets | 73.6828% | 1,902 |
| Net loans and leases to deposits | 83.5820% | 2,467 |
| Net loans and leases to core deposits | 90.4168% | 2,468 |
| Total domestic deposits to total assets | 88.1563% | 1,559 |
| Equity capital to assets | 8.5283% | 5,250 |
| Core capital (leverage) ratio | 8.5350% | 5,226 |
| Tier 1 risk-based capital ratio | 11.5635% | 5,012 |
| Total risk-based capital ratio | 12.7661% | 4,948 |
| Memoranda: | ||
| Average total assets | $120,451,800 | 3,986 |
| Average earning assets | $110,803,000 | 3,996 |
| Average equity | $11,036,400 | 4,422 |
| Average total loans | $96,028,400 | 3,461 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0318% | 565 |
| Cost of funding earning assets | 0.5358% | 1,828 |
| Net interest margin | 4.4959% | 637 |
| Noninterest income to average assets | 0.5723% | 2,799 |
| Noninterest expense to average assets | 4.0198% | 574 |
| Loan and lease loss provision to assets | 0.2044% | 1,033 |
| Net operating income to assets | 0.4735% | 4,793 |
| Return on assets (ROA) | 0.4735% | 4,872 |
| Pretax return on assets | 0.4735% | 5,184 |
| Return on Equity (ROE) | 5.0690% | 4,488 |
| Retained earnings to average equity (ytd only) | 2.3947% | 4,480 |
| Net charge-offs to loans | 0.0434% | 2,775 |
| Credit loss provision to net charge-offs | 580.6452% | 630 |
| Earnings coverage of net charge-offs (x) | 19.2591% | 1,946 |
| Efficiency ratio | 85.5693% | 859 |
| Assets per employee ($millions) | 3.6680% | 4,540 |
| Cash dividends to net income (ytd only)* | 52.7581% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 3,999 |
| Loan loss allowance to noncurrent loans | 53.9944% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 2.1197% | 713 |
| Noncurrent loans to loans | 1.9875% | 995 |
| Net loans and leases to total assets | 80.2142% | 862 |
| Net loans and leases to deposits | 97.5673% | 896 |
| Net loans and leases to core deposits | 106.7816% | 1,127 |
| Total domestic deposits to total assets | 82.2142% | 3,874 |
| Equity capital to assets | 8.4756% | 5,542 |
| Core capital (leverage) ratio | 9.1918% | 4,602 |
| Tier 1 risk-based capital ratio | 10.8270% | 5,466 |
| Total risk-based capital ratio | 11.9390% | 5,442 |
| Memoranda: | ||
| Average total assets | $117,416,250 | 4,063 |
| Average earning assets | $107,739,750 | 4,071 |
| Average equity | $10,968,500 | 4,472 |
| Average total loans | $95,315,750 | 3,485 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 848 |
| Cost of funding earning assets | 0.5111% | 2,018 |
| Net interest margin | 4.3122% | 899 |
| Noninterest income to average assets | 0.5882% | 2,682 |
| Noninterest expense to average assets | 4.1070% | 527 |
| Loan and lease loss provision to assets | 0.2133% | 996 |
| Net operating income to assets | 0.2115% | 5,504 |
| Return on assets (ROA) | 0.2115% | 5,564 |
| Pretax return on assets | 0.2115% | 5,608 |
| Return on Equity (ROE) | 2.1847% | 5,465 |
| Retained earnings to average equity (ytd only) | -1.8542% | 5,523 |
| Net charge-offs to loans | -0.0241% | 5,031 |
| Credit loss provision to net charge-offs | -1,090.9091% | 5,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6275% | 569 |
| Assets per employee ($millions) | 3.2168% | 5,183 |
| Cash dividends to net income (ytd only)* | 184.8739% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 3,635 |
| Loan loss allowance to noncurrent loans | 37.0213% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 3.2313% | 361 |
| Noncurrent loans to loans | 3.1102% | 465 |
| Net loans and leases to total assets | 83.8411% | 432 |
| Net loans and leases to deposits | 100.1930% | 682 |
| Net loans and leases to core deposits | 108.6562% | 1,003 |
| Total domestic deposits to total assets | 83.6796% | 3,391 |
| Equity capital to assets | 9.4028% | 4,863 |
| Core capital (leverage) ratio | 10.0495% | 3,515 |
| Tier 1 risk-based capital ratio | 11.5554% | 5,118 |
| Total risk-based capital ratio | 12.7556% | 5,036 |
| Memoranda: | ||
| Average total assets | $112,538,670 | 4,176 |
| Average earning assets | $102,918,000 | 4,200 |
| Average equity | $10,894,000 | 4,509 |
| Average total loans | $91,397,330 | 3,577 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6975% | 1,055 |
| Cost of funding earning assets | 0.4970% | 2,134 |
| Net interest margin | 4.2005% | 1,099 |
| Noninterest income to average assets | 0.6708% | 2,169 |
| Noninterest expense to average assets | 4.1116% | 542 |
| Loan and lease loss provision to assets | 0.2164% | 894 |
| Net operating income to assets | 0.1839% | 5,558 |
| Return on assets (ROA) | 0.1839% | 5,613 |
| Pretax return on assets | 0.1839% | 5,658 |
| Return on Equity (ROE) | 1.8722% | 5,527 |
| Retained earnings to average equity (ytd only) | -6.2038% | 5,675 |
| Net charge-offs to loans | -0.0182% | 4,810 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1271% | 602 |
| Assets per employee ($millions) | 3.3003% | 5,125 |
| Cash dividends to net income (ytd only)* | 431.3725% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 3,372 |
| Loan loss allowance to noncurrent loans | 46.9343% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.8730% | 456 |
| Noncurrent loans to loans | 2.5955% | 701 |
| Net loans and leases to total assets | 79.2197% | 923 |
| Net loans and leases to deposits | 92.5234% | 1,282 |
| Net loans and leases to core deposits | 98.6531% | 1,590 |
| Total domestic deposits to total assets | 85.6213% | 2,849 |
| Equity capital to assets | 9.9292% | 4,176 |
| Core capital (leverage) ratio | 10.3629% | 3,114 |
| Tier 1 risk-based capital ratio | 12.4971% | 4,575 |
| Total risk-based capital ratio | 13.7259% | 4,506 |
| Memoranda: | ||
| Average total assets | $110,905,000 | 4,247 |
| Average earning assets | $101,416,500 | 4,263 |
| Average equity | $10,896,500 | 4,529 |
| Average total loans | $87,984,000 | 3,650 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0681% | 549 |
| Cost of funding earning assets | 0.5207% | 1,989 |
| Net interest margin | 4.5474% | 607 |
| Noninterest income to average assets | 0.6304% | 2,559 |
| Noninterest expense to average assets | 3.9450% | 722 |
| Loan and lease loss provision to assets | 0.2567% | 737 |
| Net operating income to assets | 0.5748% | 4,404 |
| Return on assets (ROA) | 0.5748% | 4,492 |
| Pretax return on assets | 0.5748% | 4,925 |
| Return on Equity (ROE) | 5.7442% | 4,158 |
| Retained earnings to average equity (ytd only) | 1.9713% | 4,602 |
| Net charge-offs to loans | 0.1116% | 2,259 |
| Credit loss provision to net charge-offs | 298.9011% | 992 |
| Earnings coverage of net charge-offs (x) | 9.6813% | 2,791 |
| Efficiency ratio | 82.5924% | 1,327 |
| Assets per employee ($millions) | 3.4212% | 4,946 |
| Cash dividends to net income (ytd only)* | 65.6814% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 3,876 |
| Loan loss allowance to noncurrent loans | 170.9402% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.9495% | 2,296 |
| Noncurrent loans to loans | 0.6601% | 3,210 |
| Net loans and leases to total assets | 77.6136% | 1,180 |
| Net loans and leases to deposits | 87.9566% | 1,879 |
| Net loans and leases to core deposits | 93.5575% | 2,086 |
| Total domestic deposits to total assets | 88.2408% | 1,516 |
| Equity capital to assets | 9.6529% | 4,365 |
| Core capital (leverage) ratio | 9.9587% | 3,562 |
| Tier 1 risk-based capital ratio | 12.5503% | 4,602 |
| Total risk-based capital ratio | 13.6925% | 4,564 |
| Memoranda: | ||
| Average total assets | $105,956,200 | 4,335 |
| Average earning assets | $96,605,200 | 4,382 |
| Average equity | $10,602,000 | 4,552 |
| Average total loans | $81,524,600 | 3,784 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9831% | 643 |
| Cost of funding earning assets | 0.5173% | 2,064 |
| Net interest margin | 4.4658% | 707 |
| Noninterest income to average assets | 0.6358% | 2,553 |
| Noninterest expense to average assets | 3.8917% | 755 |
| Loan and lease loss provision to assets | 0.2712% | 594 |
| Net operating income to assets | 0.5373% | 4,643 |
| Return on assets (ROA) | 0.5373% | 4,742 |
| Pretax return on assets | 0.5373% | 5,131 |
| Return on Equity (ROE) | 5.3191% | 4,480 |
| Retained earnings to average equity (ytd only) | 0.2533% | 5,532 |
| Net charge-offs to loans | 0.0920% | 2,245 |
| Credit loss provision to net charge-offs | 385.4545% | 781 |
| Earnings coverage of net charge-offs (x) | 11.4912% | 2,482 |
| Efficiency ratio | 82.7980% | 1,293 |
| Assets per employee ($millions) | 3.2823% | 5,149 |
| Cash dividends to net income (ytd only)* | 95.2374% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 4,497 |
| Loan loss allowance to noncurrent loans | 190.9980% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 1.2482% | 1,878 |
| Noncurrent loans to loans | 0.5474% | 3,702 |
| Net loans and leases to total assets | 82.7722% | 499 |
| Net loans and leases to deposits | 96.2891% | 975 |
| Net loans and leases to core deposits | 103.8027% | 1,246 |
| Total domestic deposits to total assets | 85.9622% | 2,539 |
| Equity capital to assets | 9.6067% | 4,628 |
| Core capital (leverage) ratio | 10.0371% | 3,569 |
| Tier 1 risk-based capital ratio | 12.2480% | 4,928 |
| Total risk-based capital ratio | 13.3552% | 4,931 |
| Memoranda: | ||
| Average total assets | $104,220,500 | 4,419 |
| Average earning assets | $94,850,750 | 4,463 |
| Average equity | $10,528,000 | 4,615 |
| Average total loans | $79,749,500 | 3,869 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7140% | 1,046 |
| Cost of funding earning assets | 0.4997% | 2,254 |
| Net interest margin | 4.2143% | 1,080 |
| Noninterest income to average assets | 0.5896% | 2,800 |
| Noninterest expense to average assets | 3.9878% | 683 |
| Loan and lease loss provision to assets | 0.2300% | 807 |
| Net operating income to assets | 0.2005% | 5,688 |
| Return on assets (ROA) | 0.2005% | 5,753 |
| Pretax return on assets | 0.2005% | 5,813 |
| Return on Equity (ROE) | 1.9496% | 5,690 |
| Retained earnings to average equity (ytd only) | -5.6959% | 6,048 |
| Net charge-offs to loans | 0.1090% | 1,905 |
| Credit loss provision to net charge-offs | 285.3659% | 961 |
| Earnings coverage of net charge-offs (x) | 5.3415% | 2,932 |
| Efficiency ratio | 90.2580% | 732 |
| Assets per employee ($millions) | 3.2578% | 5,231 |
| Cash dividends to net income (ytd only)* | 392.1569% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 4,706 |
| Loan loss allowance to noncurrent loans | 169.1871% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 1.5301% | 1,598 |
| Noncurrent loans to loans | 0.6093% | 3,648 |
| Net loans and leases to total assets | 79.9301% | 811 |
| Net loans and leases to deposits | 96.3234% | 935 |
| Net loans and leases to core deposits | 104.8194% | 1,140 |
| Total domestic deposits to total assets | 82.9810% | 3,968 |
| Equity capital to assets | 9.6634% | 4,451 |
| Core capital (leverage) ratio | 10.5305% | 2,917 |
| Tier 1 risk-based capital ratio | 12.3322% | 4,920 |
| Total risk-based capital ratio | 13.3853% | 4,954 |
| Memoranda: | ||
| Average total assets | $101,761,000 | 4,516 |
| Average earning assets | $92,447,670 | 4,548 |
| Average equity | $10,463,670 | 4,657 |
| Average total loans | $75,216,330 | 4,026 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 1,398 |
| Cost of funding earning assets | 0.4908% | 2,372 |
| Net interest margin | 4.0332% | 1,461 |
| Noninterest income to average assets | 0.6553% | 2,379 |
| Noninterest expense to average assets | 4.0208% | 672 |
| Loan and lease loss provision to assets | 0.2427% | 690 |
| Net operating income to assets | 0.0485% | 5,953 |
| Return on assets (ROA) | 0.0485% | 5,999 |
| Pretax return on assets | 0.0485% | 5,997 |
| Return on Equity (ROE) | 0.4571% | 5,990 |
| Retained earnings to average equity (ytd only) | -14.7795% | 6,218 |
| Net charge-offs to loans | 0.0807% | 1,903 |
| Credit loss provision to net charge-offs | 428.5714% | 618 |
| Earnings coverage of net charge-offs (x) | 5.1429% | 2,412 |
| Efficiency ratio | 93.2458% | 631 |
| Assets per employee ($millions) | 3.4157% | 5,053 |
| Cash dividends to net income (ytd only)* | 3,333.3333% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 3,738 |
| Loan loss allowance to noncurrent loans | 184.0426% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.5477% | 1,670 |
| Noncurrent loans to loans | 0.6738% | 3,602 |
| Net loans and leases to total assets | 67.2242% | 2,572 |
| Net loans and leases to deposits | 76.7241% | 2,966 |
| Net loans and leases to core deposits | 83.4324% | 2,827 |
| Total domestic deposits to total assets | 87.6181% | 2,034 |
| Equity capital to assets | 10.0554% | 4,087 |
| Core capital (leverage) ratio | 10.8593% | 2,565 |
| Tier 1 risk-based capital ratio | 14.7535% | 3,573 |
| Total risk-based capital ratio | 15.9818% | 3,514 |
| Memoranda: | ||
| Average total assets | $98,887,000 | 4,604 |
| Average earning assets | $89,655,500 | 4,641 |
| Average equity | $10,501,000 | 4,695 |
| Average total loans | $69,411,000 | 4,194 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0831% | 659 |
| Cost of funding earning assets | 0.5114% | 2,561 |
| Net interest margin | 4.5717% | 653 |
| Noninterest income to average assets | 0.7365% | 2,140 |
| Noninterest expense to average assets | 3.8521% | 909 |
| Loan and lease loss provision to assets | 0.1661% | 1,579 |
| Net operating income to assets | 0.9186% | 2,786 |
| Return on assets (ROA) | 0.9186% | 2,884 |
| Pretax return on assets | 0.9186% | 3,837 |
| Return on Equity (ROE) | 7.9480% | 3,169 |
| Retained earnings to average equity (ytd only) | 5.1735% | 2,482 |
| Net charge-offs to loans | 0.1962% | 2,093 |
| Credit loss provision to net charge-offs | 112.1429% | 2,120 |
| Earnings coverage of net charge-offs (x) | 7.3214% | 3,053 |
| Efficiency ratio | 78.0279% | 2,206 |
| Assets per employee ($millions) | 3.4036% | 5,054 |
| Cash dividends to net income (ytd only)* | 34.9078% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 4,094 |
| Loan loss allowance to noncurrent loans | 176.8898% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.6568% | 1,623 |
| Noncurrent loans to loans | 0.6703% | 3,672 |
| Net loans and leases to total assets | 71.6165% | 1,970 |
| Net loans and leases to deposits | 83.0630% | 2,329 |
| Net loans and leases to core deposits | 89.3959% | 2,346 |
| Total domestic deposits to total assets | 86.2196% | 2,712 |
| Equity capital to assets | 11.8266% | 2,150 |
| Core capital (leverage) ratio | 12.0921% | 1,570 |
| Tier 1 risk-based capital ratio | 15.2253% | 3,363 |
| Total risk-based capital ratio | 16.3675% | 3,378 |
| Memoranda: | ||
| Average total assets | $94,494,800 | 4,739 |
| Average earning assets | $86,816,600 | 4,727 |
| Average equity | $10,921,000 | 4,580 |
| Average total loans | $71,354,000 | 4,141 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0352% | 724 |
| Cost of funding earning assets | 0.5179% | 2,577 |
| Net interest margin | 4.5172% | 711 |
| Noninterest income to average assets | 0.7834% | 1,954 |
| Noninterest expense to average assets | 3.7344% | 1,072 |
| Loan and lease loss provision to assets | 0.1428% | 1,759 |
| Net operating income to assets | 1.0746% | 2,139 |
| Return on assets (ROA) | 1.0746% | 2,207 |
| Pretax return on assets | 1.0746% | 3,281 |
| Return on Equity (ROE) | 9.3535% | 2,522 |
| Retained earnings to average equity (ytd only) | 5.6244% | 2,651 |
| Net charge-offs to loans | 0.0538% | 3,446 |
| Credit loss provision to net charge-offs | 348.2759% | 806 |
| Earnings coverage of net charge-offs (x) | 29.6863% | 1,380 |
| Efficiency ratio | 75.4140% | 2,593 |
| Assets per employee ($millions) | 3.3378% | 5,171 |
| Cash dividends to net income (ytd only)* | 39.8684% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 4,721 |
| Loan loss allowance to noncurrent loans | 101.6279% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.9346% | 1,506 |
| Noncurrent loans to loans | 1.0874% | 2,896 |
| Net loans and leases to total assets | 83.6898% | 352 |
| Net loans and leases to deposits | 99.7310% | 630 |
| Net loans and leases to core deposits | 107.7135% | 864 |
| Total domestic deposits to total assets | 83.9156% | 3,795 |
| Equity capital to assets | 11.9360% | 2,114 |
| Core capital (leverage) ratio | 11.9415% | 1,731 |
| Tier 1 risk-based capital ratio | 14.0678% | 4,161 |
| Total risk-based capital ratio | 15.2054% | 4,188 |
| Memoranda: | ||
| Average total assets | $94,293,000 | 4,790 |
| Average earning assets | $87,012,500 | 4,769 |
| Average equity | $10,833,500 | 4,625 |
| Average total loans | $71,924,750 | 4,159 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7816% | 1,102 |
| Cost of funding earning assets | 0.5185% | 2,651 |
| Net interest margin | 4.2630% | 1,103 |
| Noninterest income to average assets | 0.8205% | 1,763 |
| Noninterest expense to average assets | 3.6121% | 1,277 |
| Loan and lease loss provision to assets | 0.0994% | 2,365 |
| Net operating income to assets | 1.0384% | 2,174 |
| Return on assets (ROA) | 1.0384% | 2,240 |
| Pretax return on assets | 1.0384% | 3,333 |
| Return on Equity (ROE) | 9.1550% | 2,524 |
| Retained earnings to average equity (ytd only) | 3.5054% | 3,971 |
| Net charge-offs to loans | 0.0230% | 3,746 |
| Credit loss provision to net charge-offs | 587.5000% | 517 |
| Earnings coverage of net charge-offs (x) | 67.2500% | 748 |
| Efficiency ratio | 76.0463% | 2,622 |
| Assets per employee ($millions) | 3.7762% | 4,301 |
| Cash dividends to net income (ytd only)* | 61.7108% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 4,944 |
| Loan loss allowance to noncurrent loans | 63.4238% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 2.4193% | 1,190 |
| Noncurrent loans to loans | 1.7226% | 2,005 |
| Net loans and leases to total assets | 80.6453% | 608 |
| Net loans and leases to deposits | 93.2284% | 1,030 |
| Net loans and leases to core deposits | 101.0217% | 1,202 |
| Total domestic deposits to total assets | 86.5030% | 2,757 |
| Equity capital to assets | 11.5173% | 2,412 |
| Core capital (leverage) ratio | 11.7164% | 1,839 |
| Tier 1 risk-based capital ratio | 13.8122% | 4,383 |
| Total risk-based capital ratio | 14.9144% | 4,428 |
| Memoranda: | ||
| Average total assets | $94,571,670 | 4,812 |
| Average earning assets | $87,168,000 | 4,789 |
| Average equity | $10,726,330 | 4,667 |
| Average total loans | $69,537,000 | 4,252 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6246% | 1,440 |
| Cost of funding earning assets | 0.5210% | 2,704 |
| Net interest margin | 4.1037% | 1,445 |
| Noninterest income to average assets | 0.9466% | 1,269 |
| Noninterest expense to average assets | 3.6723% | 1,172 |
| Loan and lease loss provision to assets | 0.1014% | 2,230 |
| Net operating income to assets | 0.9677% | 2,329 |
| Return on assets (ROA) | 0.9677% | 2,400 |
| Pretax return on assets | 0.9677% | 3,454 |
| Return on Equity (ROE) | 8.5985% | 2,643 |
| Retained earnings to average equity (ytd only) | -2.7410% | 5,935 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4510% | 2,563 |
| Assets per employee ($millions) | 3.6065% | 4,701 |
| Cash dividends to net income (ytd only)* | 131.8777% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 4,507 |
| Loan loss allowance to noncurrent loans | 63.1982% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 2.4155% | 1,335 |
| Noncurrent loans to loans | 1.9426% | 1,938 |
| Net loans and leases to total assets | 70.8691% | 1,745 |
| Net loans and leases to deposits | 81.5717% | 2,090 |
| Net loans and leases to core deposits | 88.3991% | 2,052 |
| Total domestic deposits to total assets | 86.8796% | 2,889 |
| Equity capital to assets | 11.3245% | 2,398 |
| Core capital (leverage) ratio | 10.8474% | 2,545 |
| Tier 1 risk-based capital ratio | 15.7851% | 3,281 |
| Total risk-based capital ratio | 17.0353% | 3,239 |
| Memoranda: | ||
| Average total assets | $94,654,500 | 4,852 |
| Average earning assets | $87,531,500 | 4,834 |
| Average equity | $10,653,000 | 4,693 |
| Average total loans | $65,818,000 | 4,395 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9913% | 931 |
| Cost of funding earning assets | 0.6393% | 2,300 |
| Net interest margin | 4.3520% | 994 |
| Noninterest income to average assets | 0.6861% | 2,621 |
| Noninterest expense to average assets | 3.6297% | 1,399 |
| Loan and lease loss provision to assets | 0.4166% | 710 |
| Net operating income to assets | 0.6547% | 4,009 |
| Return on assets (ROA) | 0.6547% | 4,113 |
| Pretax return on assets | 0.6547% | 4,685 |
| Return on Equity (ROE) | 5.7489% | 4,247 |
| Retained earnings to average equity (ytd only) | 2.4801% | 4,490 |
| Net charge-offs to loans | 0.6366% | 1,020 |
| Credit loss provision to net charge-offs | 88.5057% | 2,804 |
| Earnings coverage of net charge-offs (x) | 2.2759% | 4,257 |
| Efficiency ratio | 77.2099% | 2,591 |
| Assets per employee ($millions) | 3.6746% | 4,541 |
| Cash dividends to net income (ytd only)* | 56.8595% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 4,405 |
| Loan loss allowance to noncurrent loans | 64.3660% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 2.5895% | 1,316 |
| Noncurrent loans to loans | 1.9361% | 2,068 |
| Net loans and leases to total assets | 66.5215% | 2,610 |
| Net loans and leases to deposits | 76.4504% | 2,921 |
| Net loans and leases to core deposits | 83.1315% | 2,760 |
| Total domestic deposits to total assets | 87.0126% | 2,720 |
| Equity capital to assets | 11.1860% | 2,439 |
| Core capital (leverage) ratio | 11.2995% | 2,118 |
| Tier 1 risk-based capital ratio | 16.0640% | 3,069 |
| Total risk-based capital ratio | 17.3086% | 3,025 |
| Memoranda: | ||
| Average total assets | $92,403,800 | 4,922 |
| Average earning assets | $85,248,000 | 4,902 |
| Average equity | $10,523,800 | 4,736 |
| Average total loans | $68,336,800 | 4,327 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0601% | 832 |
| Cost of funding earning assets | 0.6676% | 2,198 |
| Net interest margin | 4.3925% | 909 |
| Noninterest income to average assets | 0.6767% | 2,743 |
| Noninterest expense to average assets | 3.6774% | 1,278 |
| Loan and lease loss provision to assets | 0.2910% | 1,179 |
| Net operating income to assets | 0.7582% | 3,567 |
| Return on assets (ROA) | 0.7582% | 3,696 |
| Pretax return on assets | 0.7582% | 4,463 |
| Return on Equity (ROE) | 6.6264% | 3,856 |
| Retained earnings to average equity (ytd only) | 2.2512% | 4,970 |
| Net charge-offs to loans | 0.2058% | 2,592 |
| Credit loss provision to net charge-offs | 186.9159% | 1,294 |
| Earnings coverage of net charge-offs (x) | 6.7385% | 2,916 |
| Efficiency ratio | 77.8017% | 2,449 |
| Assets per employee ($millions) | 3.4237% | 5,012 |
| Cash dividends to net income (ytd only)* | 66.0275% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 4,395 |
| Loan loss allowance to noncurrent loans | 65.4432% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 3.1815% | 1,131 |
| Noncurrent loans to loans | 1.9860% | 2,261 |
| Net loans and leases to total assets | 80.6203% | 487 |
| Net loans and leases to deposits | 93.6269% | 851 |
| Net loans and leases to core deposits | 102.6285% | 950 |
| Total domestic deposits to total assets | 86.1081% | 3,190 |
| Equity capital to assets | 11.9271% | 1,962 |
| Core capital (leverage) ratio | 11.5172% | 2,030 |
| Tier 1 risk-based capital ratio | 14.9761% | 3,764 |
| Total risk-based capital ratio | 16.2278% | 3,712 |
| Memoranda: | ||
| Average total assets | $91,620,000 | 4,984 |
| Average earning assets | $84,475,500 | 4,966 |
| Average equity | $10,483,000 | 4,798 |
| Average total loans | $69,332,000 | 4,321 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 1,202 |
| Cost of funding earning assets | 0.6953% | 2,100 |
| Net interest margin | 4.1602% | 1,378 |
| Noninterest income to average assets | 0.6790% | 2,744 |
| Noninterest expense to average assets | 3.6156% | 1,381 |
| Loan and lease loss provision to assets | 0.0649% | 3,727 |
| Net operating income to assets | 0.8412% | 3,092 |
| Return on assets (ROA) | 0.8412% | 3,250 |
| Pretax return on assets | 0.8412% | 4,153 |
| Return on Equity (ROE) | 7.4533% | 3,364 |
| Retained earnings to average equity (ytd only) | 0.8622% | 5,554 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9617% | 2,158 |
| Assets per employee ($millions) | 3.2991% | 5,263 |
| Cash dividends to net income (ytd only)* | 88.4319% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 5,034 |
| Loan loss allowance to noncurrent loans | 42.4651% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 3.3949% | 1,146 |
| Noncurrent loans to loans | 2.8051% | 1,615 |
| Net loans and leases to total assets | 82.1342% | 352 |
| Net loans and leases to deposits | 95.1564% | 726 |
| Net loans and leases to core deposits | 104.6338% | 812 |
| Total domestic deposits to total assets | 86.3149% | 3,195 |
| Equity capital to assets | 11.7968% | 2,053 |
| Core capital (leverage) ratio | 11.1294% | 2,227 |
| Tier 1 risk-based capital ratio | 14.9618% | 3,802 |
| Total risk-based capital ratio | 16.2122% | 3,766 |
| Memoranda: | ||
| Average total assets | $92,488,000 | 4,997 |
| Average earning assets | $85,429,330 | 4,968 |
| Average equity | $10,438,330 | 4,843 |
| Average total loans | $68,206,000 | 4,378 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 1,995 |
| Cost of funding earning assets | 0.7503% | 1,848 |
| Net interest margin | 3.7976% | 2,461 |
| Noninterest income to average assets | 0.6667% | 2,777 |
| Noninterest expense to average assets | 3.6053% | 1,415 |
| Loan and lease loss provision to assets | 0.0637% | 3,563 |
| Net operating income to assets | 0.5011% | 4,651 |
| Return on assets (ROA) | 0.5011% | 4,803 |
| Pretax return on assets | 0.5011% | 5,253 |
| Return on Equity (ROE) | 4.5369% | 4,820 |
| Retained earnings to average equity (ytd only) | -8.6894% | 6,562 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4562% | 1,462 |
| Assets per employee ($millions) | 3.3522% | 5,330 |
| Cash dividends to net income (ytd only)* | 291.5254% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 4,668 |
| Loan loss allowance to noncurrent loans | 41.0900% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 3.2218% | 1,354 |
| Noncurrent loans to loans | 3.1755% | 1,559 |
| Net loans and leases to total assets | 69.8693% | 1,683 |
| Net loans and leases to deposits | 80.0303% | 2,068 |
| Net loans and leases to core deposits | 87.4703% | 1,962 |
| Total domestic deposits to total assets | 87.3036% | 2,754 |
| Equity capital to assets | 10.9588% | 3,002 |
| Core capital (leverage) ratio | 10.4269% | 2,869 |
| Tier 1 risk-based capital ratio | 15.6598% | 3,447 |
| Total risk-based capital ratio | 16.9109% | 3,408 |
| Memoranda: | ||
| Average total assets | $94,194,500 | 4,996 |
| Average earning assets | $86,897,500 | 4,960 |
| Average equity | $10,403,500 | 4,903 |
| Average total loans | $65,287,500 | 4,515 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2810% | 966 |
| Cost of funding earning assets | 0.8258% | 2,460 |
| Net interest margin | 4.4552% | 1,033 |
| Noninterest income to average assets | 0.6976% | 2,741 |
| Noninterest expense to average assets | 3.9143% | 1,085 |
| Loan and lease loss provision to assets | 0.1386% | 3,875 |
| Net operating income to assets | 0.7397% | 3,558 |
| Return on assets (ROA) | 0.7397% | 3,802 |
| Pretax return on assets | 0.7397% | 4,517 |
| Return on Equity (ROE) | 6.3600% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.4905% | 2,387 |
| Net charge-offs to loans | 0.2886% | 3,217 |
| Credit loss provision to net charge-offs | 63.5417% | 4,357 |
| Earnings coverage of net charge-offs (x) | 4.0260% | 3,508 |
| Efficiency ratio | 81.6738% | 1,918 |
| Assets per employee ($millions) | 3.3760% | 5,269 |
| Cash dividends to net income (ytd only)* | 13.6713% | 3,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 4,502 |
| Loan loss allowance to noncurrent loans | 38.3784% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 3.4582% | 1,319 |
| Noncurrent loans to loans | 3.4618% | 1,447 |
| Net loans and leases to total assets | 66.9389% | 2,375 |
| Net loans and leases to deposits | 76.8080% | 2,682 |
| Net loans and leases to core deposits | 83.8937% | 2,564 |
| Total domestic deposits to total assets | 87.1509% | 2,740 |
| Equity capital to assets | 11.1300% | 2,806 |
| Core capital (leverage) ratio | 10.8606% | 2,378 |
| Tier 1 risk-based capital ratio | 15.6563% | 3,345 |
| Total risk-based capital ratio | 16.9069% | 3,300 |
| Memoranda: | ||
| Average total assets | $88,010,000 | 5,141 |
| Average earning assets | $80,893,800 | 5,105 |
| Average equity | $10,235,800 | 4,928 |
| Average total loans | $66,538,800 | 4,478 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3888% | 854 |
| Cost of funding earning assets | 0.8442% | 2,595 |
| Net interest margin | 4.5447% | 911 |
| Noninterest income to average assets | 0.7316% | 2,558 |
| Noninterest expense to average assets | 3.8866% | 1,078 |
| Loan and lease loss provision to assets | 0.1266% | 3,965 |
| Net operating income to assets | 0.8983% | 2,986 |
| Return on assets (ROA) | 0.8983% | 3,219 |
| Pretax return on assets | 0.8983% | 4,104 |
| Return on Equity (ROE) | 7.6342% | 3,455 |
| Retained earnings to average equity (ytd only) | 6.4668% | 2,396 |
| Net charge-offs to loans | 0.1450% | 3,952 |
| Credit loss provision to net charge-offs | 112.3288% | 2,605 |
| Earnings coverage of net charge-offs (x) | 9.0960% | 2,367 |
| Efficiency ratio | 79.1326% | 2,219 |
| Assets per employee ($millions) | 3.6265% | 4,707 |
| Cash dividends to net income (ytd only)* | 15.2916% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 5,091 |
| Loan loss allowance to noncurrent loans | 42.9428% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 3.8781% | 1,261 |
| Noncurrent loans to loans | 2.8878% | 1,937 |
| Net loans and leases to total assets | 81.7787% | 361 |
| Net loans and leases to deposits | 95.8837% | 665 |
| Net loans and leases to core deposits | 105.2331% | 790 |
| Total domestic deposits to total assets | 85.2895% | 3,624 |
| Equity capital to assets | 11.5626% | 2,690 |
| Core capital (leverage) ratio | 11.1468% | 2,256 |
| Tier 1 risk-based capital ratio | 13.7696% | 4,710 |
| Total risk-based capital ratio | 15.0201% | 4,664 |
| Memoranda: | ||
| Average total assets | $86,380,500 | 5,228 |
| Average earning assets | $79,446,750 | 5,196 |
| Average equity | $10,164,500 | 4,989 |
| Average total loans | $67,141,500 | 4,498 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2616% | 1,118 |
| Cost of funding earning assets | 0.8505% | 2,790 |
| Net interest margin | 4.4111% | 1,171 |
| Noninterest income to average assets | 0.7486% | 2,420 |
| Noninterest expense to average assets | 3.9645% | 993 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8499% | 3,145 |
| Return on assets (ROA) | 0.8499% | 3,417 |
| Pretax return on assets | 0.8499% | 4,277 |
| Return on Equity (ROE) | 7.1781% | 3,680 |
| Retained earnings to average equity (ytd only) | 5.4085% | 3,039 |
| Net charge-offs to loans | 0.1519% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 7.3673% | 2,491 |
| Efficiency ratio | 82.3472% | 1,841 |
| Assets per employee ($millions) | 3.3417% | 5,350 |
| Cash dividends to net income (ytd only)* | 24.6537% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 5,359 |
| Loan loss allowance to noncurrent loans | 35.0321% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 4.1307% | 1,216 |
| Noncurrent loans to loans | 3.4199% | 1,692 |
| Net loans and leases to total assets | 82.8613% | 272 |
| Net loans and leases to deposits | 99.1503% | 461 |
| Net loans and leases to core deposits | 117.0139% | 370 |
| Total domestic deposits to total assets | 83.5714% | 4,499 |
| Equity capital to assets | 11.8007% | 2,312 |
| Core capital (leverage) ratio | 11.6427% | 1,817 |
| Tier 1 risk-based capital ratio | 13.9375% | 4,489 |
| Total risk-based capital ratio | 15.1791% | 4,473 |
| Memoranda: | ||
| Average total assets | $84,953,000 | 5,306 |
| Average earning assets | $78,303,000 | 5,261 |
| Average equity | $10,058,330 | 5,018 |
| Average total loans | $64,497,330 | 4,626 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1625% | 1,402 |
| Cost of funding earning assets | 0.8837% | 2,809 |
| Net interest margin | 4.2788% | 1,534 |
| Noninterest income to average assets | 0.7430% | 2,434 |
| Noninterest expense to average assets | 3.9911% | 948 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6953% | 3,907 |
| Return on assets (ROA) | 0.6953% | 4,124 |
| Pretax return on assets | 0.6953% | 4,810 |
| Return on Equity (ROE) | 5.8629% | 4,364 |
| Retained earnings to average equity (ytd only) | 2.2889% | 5,114 |
| Net charge-offs to loans | 0.2321% | 2,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 4.1714% | 2,647 |
| Efficiency ratio | 85.1626% | 1,566 |
| Assets per employee ($millions) | 2.9851% | 6,182 |
| Cash dividends to net income (ytd only)* | 60.9589% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 4,730 |
| Loan loss allowance to noncurrent loans | 31.4651% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 4.6852% | 1,126 |
| Noncurrent loans to loans | 4.3511% | 1,368 |
| Net loans and leases to total assets | 76.4531% | 753 |
| Net loans and leases to deposits | 88.4982% | 1,107 |
| Net loans and leases to core deposits | 100.8586% | 935 |
| Total domestic deposits to total assets | 86.3894% | 3,311 |
| Equity capital to assets | 11.9643% | 2,067 |
| Core capital (leverage) ratio | 11.3143% | 2,024 |
| Tier 1 risk-based capital ratio | 15.2508% | 3,588 |
| Total risk-based capital ratio | 16.5030% | 3,552 |
| Memoranda: | ||
| Average total assets | $83,987,000 | 5,362 |
| Average earning assets | $77,404,500 | 5,317 |
| Average equity | $9,961,000 | 5,053 |
| Average total loans | $60,312,500 | 4,805 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3777% | 1,475 |
| Cost of funding earning assets | 1.0130% | 3,281 |
| Net interest margin | 4.3648% | 1,498 |
| Noninterest income to average assets | 0.7741% | 2,210 |
| Noninterest expense to average assets | 3.8333% | 1,285 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9339% | 2,469 |
| Return on assets (ROA) | 0.9339% | 2,591 |
| Pretax return on assets | 0.9339% | 3,497 |
| Return on Equity (ROE) | 8.2499% | 2,784 |
| Retained earnings to average equity (ytd only) | 8.2499% | 999 |
| Net charge-offs to loans | 0.5786% | 2,713 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.1994% | 4,135 |
| Efficiency ratio | 80.4103% | 2,253 |
| Assets per employee ($millions) | 3.3757% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6512% | 3,372 |
| Loan loss allowance to noncurrent loans | 30.8671% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 4.8950% | 1,102 |
| Noncurrent loans to loans | 5.3495% | 1,011 |
| Net loans and leases to total assets | 65.0713% | 2,964 |
| Net loans and leases to deposits | 75.0707% | 3,334 |
| Net loans and leases to core deposits | 86.8002% | 2,529 |
| Total domestic deposits to total assets | 86.6800% | 2,928 |
| Equity capital to assets | 11.7570% | 2,300 |
| Core capital (leverage) ratio | 11.1981% | 2,118 |
| Tier 1 risk-based capital ratio | 17.2515% | 2,487 |
| Total risk-based capital ratio | 18.5062% | 2,455 |
| Memoranda: | ||
| Average total assets | $83,843,200 | 5,343 |
| Average earning assets | $76,705,200 | 5,322 |
| Average equity | $9,491,000 | 5,157 |
| Average total loans | $61,526,000 | 4,808 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4634% | 1,357 |
| Cost of funding earning assets | 1.0386% | 3,403 |
| Net interest margin | 4.4249% | 1,331 |
| Noninterest income to average assets | 0.7757% | 2,163 |
| Noninterest expense to average assets | 3.7718% | 1,356 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0417% | 2,172 |
| Return on assets (ROA) | 1.0417% | 2,323 |
| Pretax return on assets | 1.0417% | 3,243 |
| Return on Equity (ROE) | 9.2929% | 2,464 |
| Retained earnings to average equity (ytd only) | 9.2929% | 1,043 |
| Net charge-offs to loans | 0.6672% | 2,244 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 2.0762% | 4,104 |
| Efficiency ratio | 78.3587% | 2,499 |
| Assets per employee ($millions) | 3.4068% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 4,257 |
| Loan loss allowance to noncurrent loans | 38.1991% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 4.3032% | 1,407 |
| Noncurrent loans to loans | 3.8442% | 1,743 |
| Net loans and leases to total assets | 75.8671% | 998 |
| Net loans and leases to deposits | 88.4521% | 1,379 |
| Net loans and leases to core deposits | 102.2437% | 1,084 |
| Total domestic deposits to total assets | 85.7720% | 3,343 |
| Equity capital to assets | 11.5064% | 2,675 |
| Core capital (leverage) ratio | 11.1137% | 2,304 |
| Tier 1 risk-based capital ratio | 14.5877% | 3,913 |
| Total risk-based capital ratio | 15.8402% | 3,884 |
| Memoranda: | ||
| Average total assets | $83,706,000 | 5,381 |
| Average earning assets | $76,384,750 | 5,371 |
| Average equity | $9,383,250 | 5,212 |
| Average total loans | $62,948,250 | 4,799 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3372% | 1,755 |
| Cost of funding earning assets | 1.0743% | 3,434 |
| Net interest margin | 4.2629% | 1,793 |
| Noninterest income to average assets | 0.7787% | 2,117 |
| Noninterest expense to average assets | 3.7468% | 1,454 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9133% | 2,579 |
| Return on assets (ROA) | 0.9133% | 2,682 |
| Pretax return on assets | 0.9133% | 3,570 |
| Return on Equity (ROE) | 8.2213% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.2213% | 1,376 |
| Net charge-offs to loans | 0.9827% | 1,599 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.2459% | 4,357 |
| Efficiency ratio | 80.4023% | 2,322 |
| Assets per employee ($millions) | 3.1841% | 5,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 4,306 |
| Loan loss allowance to noncurrent loans | 43.5347% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 3.9971% | 1,604 |
| Noncurrent loans to loans | 3.3463% | 2,134 |
| Net loans and leases to total assets | 79.5026% | 586 |
| Net loans and leases to deposits | 92.9803% | 950 |
| Net loans and leases to core deposits | 103.6341% | 1,066 |
| Total domestic deposits to total assets | 85.5048% | 3,621 |
| Equity capital to assets | 11.4693% | 2,531 |
| Core capital (leverage) ratio | 11.1300% | 2,155 |
| Tier 1 risk-based capital ratio | 13.7507% | 4,342 |
| Total risk-based capital ratio | 15.0031% | 4,315 |
| Memoranda: | ||
| Average total assets | $83,218,000 | 5,453 |
| Average earning assets | $75,770,000 | 5,441 |
| Average equity | $9,244,330 | 5,255 |
| Average total loans | $62,071,330 | 4,866 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3182% | 1,812 |
| Cost of funding earning assets | 1.1174% | 3,402 |
| Net interest margin | 4.2008% | 1,888 |
| Noninterest income to average assets | 0.8102% | 1,990 |
| Noninterest expense to average assets | 3.6724% | 1,595 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9588% | 2,317 |
| Return on assets (ROA) | 0.9588% | 2,386 |
| Pretax return on assets | 0.9588% | 3,288 |
| Return on Equity (ROE) | 8.7729% | 2,574 |
| Retained earnings to average equity (ytd only) | 8.7729% | 1,462 |
| Net charge-offs to loans | -0.5225% | 7,416 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2961% | 2,650 |
| Assets per employee ($millions) | 3.1861% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3078% | 1,748 |
| Loan loss allowance to noncurrent loans | 96.3727% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 3.0288% | 2,282 |
| Noncurrent loans to loans | 2.3946% | 3,096 |
| Net loans and leases to total assets | 69.2427% | 2,280 |
| Net loans and leases to deposits | 79.5077% | 2,806 |
| Net loans and leases to core deposits | 87.7453% | 2,633 |
| Total domestic deposits to total assets | 87.0894% | 2,899 |
| Equity capital to assets | 11.1252% | 2,564 |
| Core capital (leverage) ratio | 10.7817% | 2,371 |
| Tier 1 risk-based capital ratio | 15.5457% | 3,138 |
| Total risk-based capital ratio | 16.8092% | 3,084 |
| Memoranda: | ||
| Average total assets | $83,434,000 | 5,483 |
| Average earning assets | $75,890,000 | 5,478 |
| Average equity | $9,119,000 | 5,281 |
| Average total loans | $59,712,000 | 5,012 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6255% | 1,806 |
| Cost of funding earning assets | 1.2788% | 4,026 |
| Net interest margin | 4.3467% | 1,657 |
| Noninterest income to average assets | 0.9112% | 1,813 |
| Noninterest expense to average assets | 3.6061% | 1,908 |
| Loan and lease loss provision to assets | 1.1887% | 1,323 |
| Net operating income to assets | -0.0141% | 5,866 |
| Return on assets (ROA) | 0.0656% | 5,807 |
| Pretax return on assets | 0.0656% | 5,769 |
| Return on Equity (ROE) | 0.6117% | 5,808 |
| Retained earnings to average equity (ytd only) | 0.6117% | 5,272 |
| Net charge-offs to loans | 0.9408% | 2,299 |
| Credit loss provision to net charge-offs | 167.4917% | 2,032 |
| Earnings coverage of net charge-offs (x) | 1.6551% | 4,495 |
| Efficiency ratio | 75.4287% | 3,129 |
| Assets per employee ($millions) | 3.1122% | 5,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1051% | 2,060 |
| Loan loss allowance to noncurrent loans | 68.5622% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 3.5381% | 1,952 |
| Noncurrent loans to loans | 3.0704% | 2,483 |
| Net loans and leases to total assets | 70.7268% | 2,369 |
| Net loans and leases to deposits | 80.4993% | 3,074 |
| Net loans and leases to core deposits | 94.9771% | 2,130 |
| Total domestic deposits to total assets | 87.8601% | 2,336 |
| Equity capital to assets | 10.7368% | 2,915 |
| Core capital (leverage) ratio | 10.0531% | 3,025 |
| Tier 1 risk-based capital ratio | 14.8565% | 3,333 |
| Total risk-based capital ratio | 16.1188% | 3,283 |
| Memoranda: | ||
| Average total assets | $85,384,000 | 5,427 |
| Average earning assets | $76,011,400 | 5,477 |
| Average equity | $9,155,200 | 5,371 |
| Average total loans | $64,415,600 | 4,895 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7005% | 1,717 |
| Cost of funding earning assets | 1.2893% | 4,298 |
| Net interest margin | 4.4113% | 1,491 |
| Noninterest income to average assets | 0.9394% | 1,650 |
| Noninterest expense to average assets | 3.6380% | 1,700 |
| Loan and lease loss provision to assets | 1.5631% | 841 |
| Net operating income to assets | -0.3608% | 6,476 |
| Return on assets (ROA) | -0.2551% | 6,435 |
| Pretax return on assets | -0.2551% | 6,370 |
| Return on Equity (ROE) | -2.3797% | 6,439 |
| Retained earnings to average equity (ytd only) | -2.3797% | 6,265 |
| Net charge-offs to loans | 0.1081% | 5,461 |
| Credit loss provision to net charge-offs | 1,896.2264% | 163 |
| Earnings coverage of net charge-offs (x) | 14.5859% | 1,503 |
| Efficiency ratio | 75.1607% | 3,115 |
| Assets per employee ($millions) | 3.1628% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5842% | 1,230 |
| Loan loss allowance to noncurrent loans | 73.8742% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 4.3689% | 1,555 |
| Noncurrent loans to loans | 3.4981% | 2,267 |
| Net loans and leases to total assets | 77.5150% | 1,122 |
| Net loans and leases to deposits | 92.2301% | 1,418 |
| Net loans and leases to core deposits | 104.0044% | 1,485 |
| Total domestic deposits to total assets | 84.0453% | 4,108 |
| Equity capital to assets | 9.9981% | 4,162 |
| Core capital (leverage) ratio | 9.6005% | 3,764 |
| Tier 1 risk-based capital ratio | 13.3937% | 4,278 |
| Total risk-based capital ratio | 14.6582% | 4,232 |
| Memoranda: | ||
| Average total assets | $85,722,750 | 5,475 |
| Average earning assets | $75,804,000 | 5,554 |
| Average equity | $9,188,500 | 5,430 |
| Average total loans | $65,342,250 | 4,931 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5007% | 2,508 |
| Cost of funding earning assets | 1.3145% | 4,448 |
| Net interest margin | 4.1862% | 2,196 |
| Noninterest income to average assets | 1.0003% | 1,379 |
| Noninterest expense to average assets | 3.6118% | 1,748 |
| Loan and lease loss provision to assets | 0.3067% | 3,935 |
| Net operating income to assets | 0.7856% | 3,041 |
| Return on assets (ROA) | 0.9460% | 2,473 |
| Pretax return on assets | 0.9460% | 3,327 |
| Return on Equity (ROE) | 8.6237% | 2,609 |
| Retained earnings to average equity (ytd only) | 8.6237% | 1,220 |
| Net charge-offs to loans | 0.1697% | 4,599 |
| Credit loss provision to net charge-offs | 240.7407% | 1,596 |
| Earnings coverage of net charge-offs (x) | 8.5741% | 2,121 |
| Efficiency ratio | 76.7803% | 2,938 |
| Assets per employee ($millions) | 3.2150% | 5,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 4,765 |
| Loan loss allowance to noncurrent loans | 34.4891% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 4.6034% | 1,422 |
| Noncurrent loans to loans | 3.8576% | 1,986 |
| Net loans and leases to total assets | 77.8527% | 1,139 |
| Net loans and leases to deposits | 93.2451% | 1,373 |
| Net loans and leases to core deposits | 102.2333% | 1,806 |
| Total domestic deposits to total assets | 83.4926% | 4,343 |
| Equity capital to assets | 10.3999% | 3,527 |
| Core capital (leverage) ratio | 10.8856% | 2,338 |
| Tier 1 risk-based capital ratio | 12.8989% | 4,527 |
| Total risk-based capital ratio | 14.1491% | 4,479 |
| Memoranda: | ||
| Average total assets | $84,778,000 | 5,541 |
| Average earning assets | $75,009,000 | 5,605 |
| Average equity | $9,300,000 | 5,417 |
| Average total loans | $63,634,330 | 5,029 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4021% | 3,025 |
| Cost of funding earning assets | 1.3839% | 4,279 |
| Net interest margin | 4.0182% | 2,797 |
| Noninterest income to average assets | 1.1734% | 891 |
| Noninterest expense to average assets | 3.6515% | 1,614 |
| Loan and lease loss provision to assets | 0.0730% | 5,907 |
| Net operating income to assets | 0.9689% | 2,304 |
| Return on assets (ROA) | 1.3000% | 1,366 |
| Pretax return on assets | 1.3000% | 2,047 |
| Return on Equity (ROE) | 11.5223% | 1,636 |
| Retained earnings to average equity (ytd only) | 11.5223% | 830 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8008% | 2,929 |
| Assets per employee ($millions) | 3.0038% | 6,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 4,003 |
| Loan loss allowance to noncurrent loans | 38.0870% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 4.5930% | 1,463 |
| Noncurrent loans to loans | 3.8884% | 2,032 |
| Net loans and leases to total assets | 72.5087% | 2,327 |
| Net loans and leases to deposits | 84.5072% | 2,853 |
| Net loans and leases to core deposits | 90.5237% | 3,300 |
| Total domestic deposits to total assets | 85.8018% | 3,259 |
| Equity capital to assets | 11.3031% | 2,505 |
| Core capital (leverage) ratio | 10.8803% | 2,308 |
| Tier 1 risk-based capital ratio | 15.3650% | 2,937 |
| Total risk-based capital ratio | 16.6172% | 2,883 |
| Memoranda: | ||
| Average total assets | $82,157,000 | 5,697 |
| Average earning assets | $71,972,500 | 5,777 |
| Average equity | $9,269,000 | 5,465 |
| Average total loans | $59,937,500 | 5,249 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0331% | 1,740 |
| Cost of funding earning assets | 1.7507% | 4,249 |
| Net interest margin | 4.2825% | 1,775 |
| Noninterest income to average assets | 0.8156% | 2,327 |
| Noninterest expense to average assets | 3.4011% | 2,677 |
| Loan and lease loss provision to assets | 0.1883% | 5,838 |
| Net operating income to assets | 1.0386% | 1,707 |
| Return on assets (ROA) | 0.8638% | 2,368 |
| Pretax return on assets | 0.8756% | 3,003 |
| Return on Equity (ROE) | 8.1624% | 2,303 |
| Retained earnings to average equity (ytd only) | 6.5722% | 1,131 |
| Net charge-offs to loans | 0.0828% | 6,282 |
| Credit loss provision to net charge-offs | 320.0000% | 1,020 |
| Earnings coverage of net charge-offs (x) | 21.0800% | 1,010 |
| Efficiency ratio | 73.1998% | 4,054 |
| Assets per employee ($millions) | 3.3285% | 5,434 |
| Cash dividends to net income (ytd only)* | 19.4823% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 4,013 |
| Loan loss allowance to noncurrent loans | 38.5879% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 3.9429% | 1,677 |
| Noncurrent loans to loans | 3.7418% | 2,004 |
| Net loans and leases to total assets | 71.2830% | 2,930 |
| Net loans and leases to deposits | 84.0777% | 3,253 |
| Net loans and leases to core deposits | 109.6232% | 2,940 |
| Total domestic deposits to total assets | 84.7822% | 3,664 |
| Equity capital to assets | 11.2616% | 2,490 |
| Core capital (leverage) ratio | 10.1750% | 2,921 |
| Tier 1 risk-based capital ratio | 14.3575% | 3,286 |
| Total risk-based capital ratio | 15.6115% | 3,235 |
| Memoranda: | ||
| Average total assets | $84,971,600 | 5,562 |
| Average earning assets | $75,914,200 | 5,606 |
| Average equity | $8,992,400 | 5,609 |
| Average total loans | $60,361,000 | 5,236 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0136% | 1,976 |
| Cost of funding earning assets | 1.8421% | 4,187 |
| Net interest margin | 4.1715% | 2,153 |
| Noninterest income to average assets | 0.8367% | 2,255 |
| Noninterest expense to average assets | 3.4140% | 2,537 |
| Loan and lease loss provision to assets | 0.2498% | 4,953 |
| Net operating income to assets | 0.9273% | 2,315 |
| Return on assets (ROA) | 0.9273% | 2,384 |
| Pretax return on assets | 0.9273% | 3,140 |
| Return on Equity (ROE) | 8.9009% | 2,305 |
| Retained earnings to average equity (ytd only) | 8.9009% | 871 |
| Net charge-offs to loans | 0.0397% | 6,350 |
| Credit loss provision to net charge-offs | 888.8889% | 428 |
| Earnings coverage of net charge-offs (x) | 41.8879% | 725 |
| Efficiency ratio | 74.3625% | 3,808 |
| Assets per employee ($millions) | 3.2549% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 3,939 |
| Loan loss allowance to noncurrent loans | 37.5417% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 4.0495% | 1,571 |
| Noncurrent loans to loans | 3.7306% | 1,998 |
| Net loans and leases to total assets | 74.9527% | 2,256 |
| Net loans and leases to deposits | 90.8545% | 2,421 |
| Net loans and leases to core deposits | 119.8711% | 2,257 |
| Total domestic deposits to total assets | 82.4975% | 4,454 |
| Equity capital to assets | 11.0767% | 2,947 |
| Core capital (leverage) ratio | 10.0371% | 3,248 |
| Tier 1 risk-based capital ratio | 13.5188% | 3,837 |
| Total risk-based capital ratio | 14.7847% | 3,760 |
| Memoranda: | ||
| Average total assets | $85,411,500 | 5,571 |
| Average earning assets | $76,868,500 | 5,600 |
| Average equity | $8,897,750 | 5,684 |
| Average total loans | $60,405,000 | 5,268 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9553% | 2,362 |
| Cost of funding earning assets | 1.9365% | 4,082 |
| Net interest margin | 4.0188% | 2,623 |
| Noninterest income to average assets | 0.8848% | 2,039 |
| Noninterest expense to average assets | 3.4784% | 2,408 |
| Loan and lease loss provision to assets | 0.1167% | 5,971 |
| Net operating income to assets | 0.8941% | 2,477 |
| Return on assets (ROA) | 0.8941% | 2,587 |
| Pretax return on assets | 0.8941% | 3,362 |
| Return on Equity (ROE) | 8.7653% | 2,441 |
| Retained earnings to average equity (ytd only) | 8.7653% | 993 |
| Net charge-offs to loans | 0.0609% | 5,648 |
| Credit loss provision to net charge-offs | 277.7778% | 1,681 |
| Earnings coverage of net charge-offs (x) | 24.0556% | 1,164 |
| Efficiency ratio | 77.4831% | 3,420 |
| Assets per employee ($millions) | 3.2945% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 4,585 |
| Loan loss allowance to noncurrent loans | 55.9406% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 2.9794% | 2,136 |
| Noncurrent loans to loans | 2.2387% | 3,204 |
| Net loans and leases to total assets | 72.8145% | 3,001 |
| Net loans and leases to deposits | 89.9118% | 2,846 |
| Net loans and leases to core deposits | 117.0366% | 2,625 |
| Total domestic deposits to total assets | 80.9844% | 5,089 |
| Equity capital to assets | 10.5212% | 3,376 |
| Core capital (leverage) ratio | 9.9396% | 3,359 |
| Tier 1 risk-based capital ratio | 13.0140% | 4,140 |
| Total risk-based capital ratio | 14.2276% | 4,083 |
| Memoranda: | ||
| Average total assets | $85,672,670 | 5,591 |
| Average earning assets | $76,839,330 | 5,640 |
| Average equity | $8,739,000 | 5,767 |
| Average total loans | $59,096,000 | 5,375 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8020% | 3,293 |
| Cost of funding earning assets | 2.1136% | 3,586 |
| Net interest margin | 3.6884% | 3,941 |
| Noninterest income to average assets | 0.7796% | 2,429 |
| Noninterest expense to average assets | 3.3987% | 2,362 |
| Loan and lease loss provision to assets | 0.0467% | 6,385 |
| Net operating income to assets | 0.6256% | 3,909 |
| Return on assets (ROA) | 0.6256% | 4,091 |
| Pretax return on assets | 0.6256% | 4,674 |
| Return on Equity (ROE) | 6.2307% | 3,940 |
| Retained earnings to average equity (ytd only) | 6.2307% | 2,535 |
| Net charge-offs to loans | 0.0350% | 5,025 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 28.8000% | 1,092 |
| Efficiency ratio | 83.4862% | 2,359 |
| Assets per employee ($millions) | 3.0485% | 6,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 4,114 |
| Loan loss allowance to noncurrent loans | 53.5389% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 2.9582% | 1,910 |
| Noncurrent loans to loans | 2.4141% | 2,729 |
| Net loans and leases to total assets | 68.3576% | 4,055 |
| Net loans and leases to deposits | 81.2126% | 4,417 |
| Net loans and leases to core deposits | 104.0220% | 4,139 |
| Total domestic deposits to total assets | 84.1712% | 3,625 |
| Equity capital to assets | 10.2909% | 3,662 |
| Core capital (leverage) ratio | 9.5794% | 3,896 |
| Tier 1 risk-based capital ratio | 13.1426% | 4,088 |
| Total risk-based capital ratio | 14.3621% | 4,021 |
| Memoranda: | ||
| Average total assets | $85,681,000 | 5,618 |
| Average earning assets | $76,456,000 | 5,678 |
| Average equity | $8,602,500 | 5,844 |
| Average total loans | $57,063,500 | 5,496 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9901% | 1,160 |
| Cost of funding earning assets | 2.4968% | 4,222 |
| Net interest margin | 4.4934% | 1,444 |
| Noninterest income to average assets | 0.7115% | 3,043 |
| Noninterest expense to average assets | 3.5335% | 2,308 |
| Loan and lease loss provision to assets | 0.1770% | 5,125 |
| Net operating income to assets | 1.0081% | 2,522 |
| Return on assets (ROA) | 1.0081% | 2,406 |
| Pretax return on assets | 1.0081% | 3,357 |
| Return on Equity (ROE) | 9.3052% | 2,524 |
| Retained earnings to average equity (ytd only) | -10.9074% | 7,156 |
| Net charge-offs to loans | 0.4012% | 2,807 |
| Credit loss provision to net charge-offs | 61.6000% | 6,213 |
| Earnings coverage of net charge-offs (x) | 4.1240% | 4,095 |
| Efficiency ratio | 74.8843% | 3,416 |
| Assets per employee ($millions) | 2.7744% | 6,622 |
| Cash dividends to net income (ytd only)* | 217.2178% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 3,309 |
| Loan loss allowance to noncurrent loans | 78.0864% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 2.1906% | 2,232 |
| Noncurrent loans to loans | 1.7668% | 3,115 |
| Net loans and leases to total assets | 63.0847% | 5,440 |
| Net loans and leases to deposits | 76.5279% | 5,528 |
| Net loans and leases to core deposits | 96.2737% | 5,229 |
| Total domestic deposits to total assets | 82.4336% | 4,029 |
| Equity capital to assets | 9.7913% | 4,302 |
| Core capital (leverage) ratio | 9.2953% | 4,303 |
| Tier 1 risk-based capital ratio | 13.5854% | 3,767 |
| Total risk-based capital ratio | 14.8500% | 3,669 |
| Memoranda: | ||
| Average total assets | $86,996,600 | 5,452 |
| Average earning assets | $77,580,600 | 5,522 |
| Average equity | $9,424,800 | 5,597 |
| Average total loans | $62,306,000 | 5,165 |