Home > Pikes Peak National Bank > Performance and Condition Ratios
Pikes Peak National 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 | 4.8309% | 2,412 |
| Cost of funding earning assets | 0.8101% | 3,708 |
| Net interest margin | 4.0208% | 1,176 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 3.6062% | 505 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.2658% | 4,074 |
| Return on assets (ROA) | 0.2658% | 4,081 |
| Pretax return on assets | 0.3673% | 4,011 |
| Return on Equity (ROE) | 1.9700% | 4,155 |
| Retained earnings to average equity (ytd only) | 1.9674% | 3,585 |
| Net charge-offs to loans | 0.0416% | 1,489 |
| Credit loss provision to net charge-offs | 244.4444% | 1,085 |
| Earnings coverage of net charge-offs (x) | 17.5926% | 1,969 |
| Efficiency ratio | 89.4233% | 431 |
| Assets per employee ($millions) | 3.9546% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7097% | 645 |
| Loan loss allowance to noncurrent loans | 1,952.6316% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,250 |
| Noncurrent loans to loans | 0.0876% | 3,103 |
| Net loans and leases to total assets | 57.7900% | 3,057 |
| Net loans and leases to deposits | 67.8612% | 3,045 |
| Net loans and leases to core deposits | 72.6597% | 3,145 |
| Total domestic deposits to total assets | 85.1500% | 2,265 |
| Equity capital to assets | 14.1470% | 656 |
| Core capital (leverage) ratio | 14.3589% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6853% | 438 |
| Memoranda: | ||
| Average total assets | $111,364,600 | 3,733 |
| Average earning assets | $104,183,400 | 3,704 |
| Average equity | $15,045,200 | 3,261 |
| Average total loans | $64,942,400 | 3,631 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3897% | 3,120 |
| Cost of funding earning assets | 0.6749% | 3,819 |
| Net interest margin | 3.7147% | 1,748 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 3.5579% | 513 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.0909% | 4,327 |
| Return on assets (ROA) | 0.0909% | 4,349 |
| Pretax return on assets | 0.1124% | 4,337 |
| Return on Equity (ROE) | 0.6800% | 4,345 |
| Retained earnings to average equity (ytd only) | 0.6805% | 4,015 |
| Net charge-offs to loans | 0.0555% | 1,112 |
| Credit loss provision to net charge-offs | 244.4444% | 999 |
| Earnings coverage of net charge-offs (x) | 5.9259% | 2,322 |
| Efficiency ratio | 94.8980% | 254 |
| Assets per employee ($millions) | 4.0249% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 645 |
| Loan loss allowance to noncurrent loans | 122.8477% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 664 |
| Noncurrent loans to loans | 1.4187% | 524 |
| Net loans and leases to total assets | 57.7400% | 3,049 |
| Net loans and leases to deposits | 67.6299% | 3,005 |
| Net loans and leases to core deposits | 72.3700% | 3,087 |
| Total domestic deposits to total assets | 85.3800% | 2,389 |
| Equity capital to assets | 13.8555% | 669 |
| Core capital (leverage) ratio | 14.3050% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3920% | 462 |
| Memoranda: | ||
| Average total assets | $111,523,250 | 3,740 |
| Average earning assets | $104,303,250 | 3,719 |
| Average equity | $14,890,250 | 3,271 |
| Average total loans | $64,903,000 | 3,638 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 3,095 |
| Cost of funding earning assets | 0.5207% | 3,940 |
| Net interest margin | 3.7839% | 1,658 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 3.4497% | 572 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.1849% | 4,296 |
| Return on assets (ROA) | 0.1849% | 4,319 |
| Pretax return on assets | 0.2365% | 4,282 |
| Return on Equity (ROE) | 1.4000% | 4,338 |
| Retained earnings to average equity (ytd only) | 1.4021% | 3,844 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 90.6966% | 336 |
| Assets per employee ($millions) | 3.9857% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7858% | 633 |
| Loan loss allowance to noncurrent loans | 124.4541% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 619 |
| Noncurrent loans to loans | 1.4349% | 480 |
| Net loans and leases to total assets | 56.1800% | 3,109 |
| Net loans and leases to deposits | 65.6153% | 3,084 |
| Net loans and leases to core deposits | 66.5287% | 3,325 |
| Total domestic deposits to total assets | 85.6200% | 2,355 |
| Equity capital to assets | 13.6793% | 685 |
| Core capital (leverage) ratio | 14.0789% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2481% | 473 |
| Memoranda: | ||
| Average total assets | $112,473,667 | 3,744 |
| Average earning assets | $105,235,667 | 3,723 |
| Average equity | $14,834,667 | 3,287 |
| Average total loans | $65,250,667 | 3,631 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 3,084 |
| Cost of funding earning assets | 0.3931% | 3,984 |
| Net interest margin | 3.7877% | 1,718 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 3.4045% | 597 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.2374% | 4,319 |
| Return on assets (ROA) | 0.2374% | 4,284 |
| Pretax return on assets | 0.3047% | 4,259 |
| Return on Equity (ROE) | 1.8300% | 4,322 |
| Retained earnings to average equity (ytd only) | 1.8332% | 3,728 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.7292% | 365 |
| Assets per employee ($millions) | 4.1836% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6687% | 878 |
| Loan loss allowance to noncurrent loans | 109.8000% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.8853% | 507 |
| Noncurrent loans to loans | 1.5198% | 427 |
| Net loans and leases to total assets | 57.2800% | 2,931 |
| Net loans and leases to deposits | 67.6711% | 2,795 |
| Net loans and leases to core deposits | 68.0290% | 3,100 |
| Total domestic deposits to total assets | 84.6400% | 2,942 |
| Equity capital to assets | 13.6874% | 637 |
| Core capital (leverage) ratio | 13.9847% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6948% | 519 |
| Memoranda: | ||
| Average total assets | $112,911,000 | 3,793 |
| Average earning assets | $105,817,000 | 3,764 |
| Average equity | $14,619,000 | 3,341 |
| Average total loans | $65,957,000 | 3,665 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 2,824 |
| Cost of funding earning assets | 0.1361% | 4,201 |
| Net interest margin | 3.4571% | 2,075 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 3.4435% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0704% | 4,528 |
| Return on assets (ROA) | 0.0704% | 4,516 |
| Pretax return on assets | 0.0883% | 4,508 |
| Return on Equity (ROE) | 0.5900% | 4,514 |
| Retained earnings to average equity (ytd only) | 0.5942% | 4,261 |
| Net charge-offs to loans | -0.0052% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 97.5012% | 178 |
| Assets per employee ($millions) | 4.1801% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 929 |
| Loan loss allowance to noncurrent loans | 290.2703% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 1,540 |
| Noncurrent loans to loans | 0.5596% | 1,327 |
| Net loans and leases to total assets | 57.6300% | 2,851 |
| Net loans and leases to deposits | 66.2217% | 2,881 |
| Net loans and leases to core deposits | 66.2217% | 3,121 |
| Total domestic deposits to total assets | 87.0200% | 2,386 |
| Equity capital to assets | 12.2067% | 879 |
| Core capital (leverage) ratio | 12.0592% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2632% | 693 |
| Memoranda: | ||
| Average total assets | $117,845,000 | 3,749 |
| Average earning assets | $110,929,800 | 3,713 |
| Average equity | $13,967,200 | 3,471 |
| Average total loans | $57,296,800 | 3,784 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4016% | 2,918 |
| Cost of funding earning assets | 0.0987% | 4,296 |
| Net interest margin | 3.3029% | 2,284 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 3.4035% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.0078% | 4,605 |
| Return on assets (ROA) | -0.0078% | 4,579 |
| Pretax return on assets | -0.0202% | 4,577 |
| Return on Equity (ROE) | -0.0700% | 4,562 |
| Retained earnings to average equity (ytd only) | -0.0666% | 4,352 |
| Net charge-offs to loans | -0.0097% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 100.5956% | 150 |
| Assets per employee ($millions) | 4.2449% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 1,047 |
| Loan loss allowance to noncurrent loans | 230.7522% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 1,467 |
| Noncurrent loans to loans | 0.6966% | 1,171 |
| Net loans and leases to total assets | 51.8600% | 3,290 |
| Net loans and leases to deposits | 60.6560% | 3,139 |
| Net loans and leases to core deposits | 60.6560% | 3,335 |
| Total domestic deposits to total assets | 85.5000% | 3,177 |
| Equity capital to assets | 11.0909% | 1,146 |
| Core capital (leverage) ratio | 11.7861% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1997% | 713 |
| Memoranda: | ||
| Average total assets | $119,090,250 | 3,765 |
| Average earning assets | $112,101,500 | 3,726 |
| Average equity | $14,014,750 | 3,508 |
| Average total loans | $55,092,250 | 3,831 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0933% | 3,325 |
| Cost of funding earning assets | 0.0794% | 4,386 |
| Net interest margin | 3.0139% | 2,836 |
| Noninterest income to average assets | 0.2735% | 3,529 |
| Noninterest expense to average assets | 3.3732% | 494 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.1970% | 4,638 |
| Return on assets (ROA) | -0.1970% | 4,610 |
| Pretax return on assets | -0.2633% | 4,615 |
| Return on Equity (ROE) | -1.6413% | 4,604 |
| Retained earnings to average equity (ytd only) | -1.6413% | 4,358 |
| Net charge-offs to loans | -0.0154% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4653% | 124 |
| Assets per employee ($millions) | 4.0120% | 4,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9916% | 563 |
| Loan loss allowance to noncurrent loans | 284.9515% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 1,579 |
| Noncurrent loans to loans | 0.6989% | 1,234 |
| Net loans and leases to total assets | 49.6566% | 3,406 |
| Net loans and leases to deposits | 56.8568% | 3,312 |
| Net loans and leases to core deposits | 56.8568% | 3,500 |
| Total domestic deposits to total assets | 87.3364% | 2,816 |
| Equity capital to assets | 12.0233% | 865 |
| Core capital (leverage) ratio | 11.7990% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1821% | 612 |
| Memoranda: | ||
| Average total assets | $117,753,333 | 3,816 |
| Average earning assets | $110,819,667 | 3,796 |
| Average equity | $14,135,333 | 3,573 |
| Average total loans | $51,828,333 | 3,932 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5927% | 4,132 |
| Cost of funding earning assets | 0.0680% | 4,472 |
| Net interest margin | 2.5247% | 3,849 |
| Noninterest income to average assets | 0.2566% | 3,605 |
| Noninterest expense to average assets | 3.3533% | 492 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.5369% | 4,707 |
| Return on assets (ROA) | -0.5369% | 4,695 |
| Pretax return on assets | -0.7159% | 4,711 |
| Return on Equity (ROE) | -4.4762% | 4,696 |
| Retained earnings to average equity (ytd only) | -4.4762% | 4,400 |
| Net charge-offs to loans | -0.0083% | 3,510 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.1447% | 69 |
| Assets per employee ($millions) | 3.9169% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4664% | 295 |
| Loan loss allowance to noncurrent loans | 430.8824% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 2,260 |
| Noncurrent loans to loans | 0.5724% | 1,612 |
| Net loans and leases to total assets | 39.4422% | 4,047 |
| Net loans and leases to deposits | 45.1769% | 4,012 |
| Net loans and leases to core deposits | 45.1769% | 4,112 |
| Total domestic deposits to total assets | 87.3062% | 2,812 |
| Equity capital to assets | 12.0241% | 944 |
| Core capital (leverage) ratio | 11.4460% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6101% | 276 |
| Memoranda: | ||
| Average total assets | $118,450,500 | 3,833 |
| Average earning assets | $111,698,500 | 3,801 |
| Average equity | $14,208,500 | 3,631 |
| Average total loans | $48,268,000 | 4,001 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2294% | 3,406 |
| Cost of funding earning assets | 0.0875% | 4,482 |
| Net interest margin | 3.1418% | 2,760 |
| Noninterest income to average assets | 0.2849% | 3,687 |
| Noninterest expense to average assets | 3.2878% | 643 |
| Loan and lease loss provision to assets | 0.2559% | 356 |
| Net operating income to assets | -0.2175% | 4,727 |
| Return on assets (ROA) | -0.2175% | 4,731 |
| Pretax return on assets | -0.2891% | 4,740 |
| Return on Equity (ROE) | -1.7705% | 4,728 |
| Retained earnings to average equity (ytd only) | -1.7705% | 4,614 |
| Net charge-offs to loans | -0.5178% | 4,784 |
| Credit loss provision to net charge-offs | -120.4819% | 3,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0220% | 138 |
| Assets per employee ($millions) | 3.7311% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3890% | 330 |
| Loan loss allowance to noncurrent loans | 193.5537% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 1,315 |
| Noncurrent loans to loans | 1.2343% | 778 |
| Net loans and leases to total assets | 40.0737% | 4,089 |
| Net loans and leases to deposits | 45.8457% | 4,101 |
| Net loans and leases to core deposits | 45.8457% | 4,191 |
| Total domestic deposits to total assets | 87.4099% | 2,332 |
| Equity capital to assets | 11.9670% | 1,264 |
| Core capital (leverage) ratio | 11.5660% | 1,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7801% | 284 |
| Memoranda: | ||
| Average total assets | $117,250,800 | 3,828 |
| Average earning assets | $110,826,800 | 3,801 |
| Average equity | $14,402,400 | 3,698 |
| Average total loans | $48,087,600 | 4,038 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0970% | 3,817 |
| Cost of funding earning assets | 0.0943% | 4,543 |
| Net interest margin | 3.0026% | 3,297 |
| Noninterest income to average assets | 0.2879% | 3,731 |
| Noninterest expense to average assets | 3.2477% | 654 |
| Loan and lease loss provision to assets | 0.3427% | 214 |
| Net operating income to assets | -0.3507% | 4,814 |
| Return on assets (ROA) | -0.3507% | 4,821 |
| Pretax return on assets | -0.4661% | 4,830 |
| Return on Equity (ROE) | -2.8364% | 4,819 |
| Retained earnings to average equity (ytd only) | -2.8364% | 4,737 |
| Net charge-offs to loans | 0.1588% | 529 |
| Credit loss provision to net charge-offs | 526.3158% | 740 |
| Earnings coverage of net charge-offs (x) | -1.8947% | 2,425 |
| Efficiency ratio | 103.9488% | 131 |
| Assets per employee ($millions) | 4.2755% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7291% | 1,049 |
| Loan loss allowance to noncurrent loans | 110.6138% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 1,154 |
| Noncurrent loans to loans | 1.5632% | 662 |
| Net loans and leases to total assets | 41.0642% | 4,142 |
| Net loans and leases to deposits | 46.9864% | 4,181 |
| Net loans and leases to core deposits | 46.9864% | 4,282 |
| Total domestic deposits to total assets | 87.3959% | 2,161 |
| Equity capital to assets | 11.8916% | 1,450 |
| Core capital (leverage) ratio | 11.6065% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3206% | 293 |
| Memoranda: | ||
| Average total assets | $116,714,750 | 3,884 |
| Average earning assets | $110,255,500 | 3,852 |
| Average equity | $14,431,000 | 3,744 |
| Average total loans | $47,855,250 | 4,096 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1481% | 3,772 |
| Cost of funding earning assets | 0.1026% | 4,565 |
| Net interest margin | 3.0456% | 3,190 |
| Noninterest income to average assets | 0.2800% | 3,742 |
| Noninterest expense to average assets | 3.2822% | 631 |
| Loan and lease loss provision to assets | 0.0864% | 1,420 |
| Net operating income to assets | -0.1607% | 4,823 |
| Return on assets (ROA) | -0.1607% | 4,830 |
| Pretax return on assets | -0.2143% | 4,835 |
| Return on Equity (ROE) | -1.2831% | 4,828 |
| Retained earnings to average equity (ytd only) | -1.2831% | 4,628 |
| Net charge-offs to loans | 0.2461% | 356 |
| Credit loss provision to net charge-offs | 86.2069% | 1,456 |
| Earnings coverage of net charge-offs (x) | -1.2759% | 2,208 |
| Efficiency ratio | 104.0548% | 132 |
| Assets per employee ($millions) | 3.7936% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 2,762 |
| Loan loss allowance to noncurrent loans | 139.8633% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 2,112 |
| Noncurrent loans to loans | 0.8810% | 1,394 |
| Net loans and leases to total assets | 41.8484% | 4,191 |
| Net loans and leases to deposits | 48.1410% | 4,206 |
| Net loans and leases to core deposits | 48.1410% | 4,319 |
| Total domestic deposits to total assets | 86.9289% | 2,362 |
| Equity capital to assets | 12.2880% | 1,224 |
| Core capital (leverage) ratio | 12.0119% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4446% | 242 |
| Memoranda: | ||
| Average total assets | $115,714,667 | 3,905 |
| Average earning assets | $109,207,667 | 3,885 |
| Average equity | $14,496,000 | 3,741 |
| Average total loans | $47,132,000 | 4,130 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9813% | 4,128 |
| Cost of funding earning assets | 0.1145% | 4,554 |
| Net interest margin | 2.8668% | 3,601 |
| Noninterest income to average assets | 0.2684% | 3,792 |
| Noninterest expense to average assets | 3.1994% | 720 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1708% | 4,827 |
| Return on assets (ROA) | -0.1708% | 4,828 |
| Pretax return on assets | -0.2265% | 4,842 |
| Return on Equity (ROE) | -1.3500% | 4,836 |
| Retained earnings to average equity (ytd only) | -1.3500% | 4,493 |
| Net charge-offs to loans | 0.0699% | 855 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | -8.1250% | 1,916 |
| Efficiency ratio | 107.6202% | 124 |
| Assets per employee ($millions) | 3.9643% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 2,535 |
| Loan loss allowance to noncurrent loans | 121.7822% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 2,125 |
| Noncurrent loans to loans | 1.0491% | 1,281 |
| Net loans and leases to total assets | 39.9566% | 4,346 |
| Net loans and leases to deposits | 45.9122% | 4,358 |
| Net loans and leases to core deposits | 46.0291% | 4,438 |
| Total domestic deposits to total assets | 87.0284% | 2,303 |
| Equity capital to assets | 12.1871% | 1,211 |
| Core capital (leverage) ratio | 12.4922% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4464% | 225 |
| Memoranda: | ||
| Average total assets | $114,770,500 | 3,917 |
| Average earning assets | $108,273,500 | 3,893 |
| Average equity | $14,518,500 | 3,743 |
| Average total loans | $45,783,500 | 4,173 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7187% | 3,532 |
| Cost of funding earning assets | 0.2131% | 4,538 |
| Net interest margin | 3.5055% | 2,457 |
| Noninterest income to average assets | 0.3025% | 3,662 |
| Noninterest expense to average assets | 3.5949% | 606 |
| Loan and lease loss provision to assets | 0.0973% | 3,126 |
| Net operating income to assets | -0.0710% | 4,770 |
| Return on assets (ROA) | -0.0710% | 4,798 |
| Pretax return on assets | -0.0943% | 4,795 |
| Return on Equity (ROE) | -0.5143% | 4,798 |
| Retained earnings to average equity (ytd only) | -0.5143% | 4,593 |
| Net charge-offs to loans | -0.0147% | 4,348 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9189% | 173 |
| Assets per employee ($millions) | 3.6871% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 1,844 |
| Loan loss allowance to noncurrent loans | 116.4794% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4828% | 2,112 |
| Noncurrent loans to loans | 1.2295% | 1,132 |
| Net loans and leases to total assets | 38.7029% | 4,493 |
| Net loans and leases to deposits | 44.9218% | 4,498 |
| Net loans and leases to core deposits | 45.0456% | 4,570 |
| Total domestic deposits to total assets | 86.1561% | 2,299 |
| Equity capital to assets | 13.1478% | 1,044 |
| Core capital (leverage) ratio | 13.0133% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0159% | 194 |
| Memoranda: | ||
| Average total assets | $102,811,400 | 3,958 |
| Average earning assets | $96,647,200 | 3,928 |
| Average equity | $14,193,600 | 3,732 |
| Average total loans | $40,849,000 | 4,294 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 3,166 |
| Cost of funding earning assets | 0.2322% | 4,563 |
| Net interest margin | 3.6982% | 1,949 |
| Noninterest income to average assets | 0.3107% | 3,629 |
| Noninterest expense to average assets | 3.6723% | 559 |
| Loan and lease loss provision to assets | 0.1319% | 2,700 |
| Net operating income to assets | -0.0145% | 4,779 |
| Return on assets (ROA) | -0.0145% | 4,798 |
| Pretax return on assets | -0.0198% | 4,792 |
| Return on Equity (ROE) | -0.1040% | 4,797 |
| Retained earnings to average equity (ytd only) | -0.1040% | 4,492 |
| Net charge-offs to loans | -0.0232% | 4,460 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0311% | 206 |
| Assets per employee ($millions) | 3.4930% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 1,713 |
| Loan loss allowance to noncurrent loans | 111.8492% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 2,152 |
| Noncurrent loans to loans | 1.2569% | 1,193 |
| Net loans and leases to total assets | 40.3498% | 4,559 |
| Net loans and leases to deposits | 48.6884% | 4,525 |
| Net loans and leases to core deposits | 48.8304% | 4,607 |
| Total domestic deposits to total assets | 82.8736% | 3,174 |
| Equity capital to assets | 13.4878% | 1,004 |
| Core capital (leverage) ratio | 12.9425% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8581% | 178 |
| Memoranda: | ||
| Average total assets | $100,861,250 | 3,978 |
| Average earning assets | $94,747,250 | 3,955 |
| Average equity | $14,106,250 | 3,750 |
| Average total loans | $40,203,250 | 4,330 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9738% | 3,392 |
| Cost of funding earning assets | 0.2557% | 4,604 |
| Net interest margin | 3.7181% | 2,098 |
| Noninterest income to average assets | 0.3029% | 3,655 |
| Noninterest expense to average assets | 3.6651% | 600 |
| Loan and lease loss provision to assets | 0.2033% | 2,024 |
| Net operating income to assets | -0.0590% | 4,813 |
| Return on assets (ROA) | -0.0590% | 4,818 |
| Pretax return on assets | -0.0772% | 4,816 |
| Return on Equity (ROE) | -0.4161% | 4,820 |
| Retained earnings to average equity (ytd only) | -0.4161% | 4,389 |
| Net charge-offs to loans | -0.0258% | 4,487 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6756% | 229 |
| Assets per employee ($millions) | 3.5839% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 1,445 |
| Loan loss allowance to noncurrent loans | 108.1882% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5166% | 2,282 |
| Noncurrent loans to loans | 1.3328% | 1,154 |
| Net loans and leases to total assets | 38.2054% | 4,659 |
| Net loans and leases to deposits | 45.8847% | 4,655 |
| Net loans and leases to core deposits | 46.0140% | 4,713 |
| Total domestic deposits to total assets | 83.2640% | 3,006 |
| Equity capital to assets | 13.1294% | 1,110 |
| Core capital (leverage) ratio | 13.9718% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.6797% | 165 |
| Memoranda: | ||
| Average total assets | $98,387,333 | 4,014 |
| Average earning assets | $92,304,333 | 3,992 |
| Average equity | $13,940,000 | 3,776 |
| Average total loans | $38,832,667 | 4,367 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2337% | 3,108 |
| Cost of funding earning assets | 0.3071% | 4,638 |
| Net interest margin | 3.9266% | 1,592 |
| Noninterest income to average assets | 0.3347% | 3,522 |
| Noninterest expense to average assets | 4.0074% | 503 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0043% | 4,750 |
| Return on assets (ROA) | 0.0043% | 4,740 |
| Pretax return on assets | -0.0043% | 4,736 |
| Return on Equity (ROE) | 0.0294% | 4,741 |
| Retained earnings to average equity (ytd only) | 0.0294% | 3,985 |
| Net charge-offs to loans | -0.0327% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1086% | 235 |
| Assets per employee ($millions) | 3.0665% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 1,747 |
| Loan loss allowance to noncurrent loans | 86.9347% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 2,052 |
| Noncurrent loans to loans | 1.5940% | 986 |
| Net loans and leases to total assets | 40.1485% | 4,662 |
| Net loans and leases to deposits | 47.6353% | 4,673 |
| Net loans and leases to core deposits | 47.6353% | 4,738 |
| Total domestic deposits to total assets | 84.2830% | 2,678 |
| Equity capital to assets | 14.8017% | 801 |
| Core capital (leverage) ratio | 14.5917% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4301% | 204 |
| Memoranda: | ||
| Average total assets | $92,030,000 | 4,091 |
| Average earning assets | $85,977,000 | 4,078 |
| Average equity | $13,616,500 | 3,820 |
| Average total loans | $36,715,000 | 4,437 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5405% | 524 |
| Cost of funding earning assets | 0.3268% | 4,664 |
| Net interest margin | 5.2137% | 189 |
| Noninterest income to average assets | 0.3795% | 3,426 |
| Noninterest expense to average assets | 3.7155% | 750 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0372% | 2,706 |
| Return on assets (ROA) | 1.0372% | 2,798 |
| Pretax return on assets | 1.3769% | 2,244 |
| Return on Equity (ROE) | 7.2557% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.2557% | 1,274 |
| Net charge-offs to loans | -0.0134% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9621% | 1,742 |
| Assets per employee ($millions) | 2.9698% | 4,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 1,415 |
| Loan loss allowance to noncurrent loans | 83.2258% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6734% | 1,908 |
| Noncurrent loans to loans | 1.7234% | 798 |
| Net loans and leases to total assets | 38.5167% | 4,786 |
| Net loans and leases to deposits | 45.6735% | 4,797 |
| Net loans and leases to core deposits | 45.6735% | 4,840 |
| Total domestic deposits to total assets | 84.3305% | 2,741 |
| Equity capital to assets | 14.7897% | 850 |
| Core capital (leverage) ratio | 14.2922% | 851 |
| Tier 1 risk-based capital ratio | 35.5844% | 318 |
| Total risk-based capital ratio | 36.8482% | 313 |
| Memoranda: | ||
| Average total assets | $92,746,000 | 4,101 |
| Average earning assets | $83,837,200 | 4,128 |
| Average equity | $13,258,600 | 3,864 |
| Average total loans | $37,204,400 | 4,472 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8775% | 306 |
| Cost of funding earning assets | 0.3210% | 4,745 |
| Net interest margin | 5.5565% | 111 |
| Noninterest income to average assets | 0.3846% | 3,412 |
| Noninterest expense to average assets | 3.6405% | 805 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3646% | 1,594 |
| Return on assets (ROA) | 1.3646% | 1,660 |
| Pretax return on assets | 1.8109% | 1,068 |
| Return on Equity (ROE) | 9.6283% | 2,609 |
| Retained earnings to average equity (ytd only) | 9.6283% | 856 |
| Net charge-offs to loans | -0.0107% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7807% | 2,622 |
| Assets per employee ($millions) | 2.9862% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 1,857 |
| Loan loss allowance to noncurrent loans | 74.3478% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.7454% | 1,840 |
| Noncurrent loans to loans | 1.7848% | 801 |
| Net loans and leases to total assets | 41.2064% | 4,774 |
| Net loans and leases to deposits | 48.8713% | 4,804 |
| Net loans and leases to core deposits | 48.8713% | 4,862 |
| Total domestic deposits to total assets | 84.3162% | 2,707 |
| Equity capital to assets | 14.6965% | 929 |
| Core capital (leverage) ratio | 14.1686% | 942 |
| Tier 1 risk-based capital ratio | 33.1983% | 389 |
| Total risk-based capital ratio | 34.4592% | 385 |
| Memoranda: | ||
| Average total assets | $92,916,500 | 4,147 |
| Average earning assets | $84,727,750 | 4,166 |
| Average equity | $13,169,250 | 3,911 |
| Average total loans | $37,511,500 | 4,522 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6675% | 97 |
| Cost of funding earning assets | 0.3099% | 4,804 |
| Net interest margin | 6.3576% | 54 |
| Noninterest income to average assets | 0.3698% | 3,468 |
| Noninterest expense to average assets | 3.5623% | 887 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9155% | 459 |
| Return on assets (ROA) | 1.9155% | 481 |
| Pretax return on assets | 2.5411% | 222 |
| Return on Equity (ROE) | 13.6824% | 1,058 |
| Retained earnings to average equity (ytd only) | 13.6824% | 246 |
| Net charge-offs to loans | 0.0054% | 2,961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1,182.0000% | 59 |
| Efficiency ratio | 58.3656% | 3,958 |
| Assets per employee ($millions) | 3.0982% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 1,743 |
| Loan loss allowance to noncurrent loans | 71.6901% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 1,825 |
| Noncurrent loans to loans | 1.9094% | 768 |
| Net loans and leases to total assets | 39.4595% | 4,861 |
| Net loans and leases to deposits | 46.2917% | 4,892 |
| Net loans and leases to core deposits | 46.2917% | 4,951 |
| Total domestic deposits to total assets | 85.2409% | 2,368 |
| Equity capital to assets | 14.5730% | 928 |
| Core capital (leverage) ratio | 14.5095% | 822 |
| Tier 1 risk-based capital ratio | 35.0625% | 339 |
| Total risk-based capital ratio | 36.3260% | 332 |
| Memoranda: | ||
| Average total assets | $93,031,000 | 4,174 |
| Average earning assets | $83,900,000 | 4,206 |
| Average equity | $13,024,000 | 3,934 |
| Average total loans | $37,129,000 | 4,569 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2786% | 786 |
| Cost of funding earning assets | 0.3146% | 4,799 |
| Net interest margin | 4.9639% | 301 |
| Noninterest income to average assets | 0.3438% | 3,564 |
| Noninterest expense to average assets | 3.6358% | 811 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9412% | 3,082 |
| Return on assets (ROA) | 0.9412% | 3,125 |
| Pretax return on assets | 1.2506% | 2,625 |
| Return on Equity (ROE) | 6.8633% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.8633% | 2,091 |
| Net charge-offs to loans | -0.0323% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4063% | 1,696 |
| Assets per employee ($millions) | 3.0595% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 1,714 |
| Loan loss allowance to noncurrent loans | 65.8131% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.8509% | 1,664 |
| Noncurrent loans to loans | 2.1117% | 689 |
| Net loans and leases to total assets | 39.7348% | 4,897 |
| Net loans and leases to deposits | 46.3330% | 4,921 |
| Net loans and leases to core deposits | 46.3330% | 4,981 |
| Total domestic deposits to total assets | 85.7593% | 2,384 |
| Equity capital to assets | 14.0250% | 1,029 |
| Core capital (leverage) ratio | 13.3785% | 1,126 |
| Tier 1 risk-based capital ratio | 33.0357% | 382 |
| Total risk-based capital ratio | 34.3084% | 370 |
| Memoranda: | ||
| Average total assets | $93,073,500 | 4,215 |
| Average earning assets | $85,174,500 | 4,238 |
| Average equity | $12,763,500 | 3,977 |
| Average total loans | $37,101,000 | 4,614 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 4,105 |
| Cost of funding earning assets | 0.3534% | 4,262 |
| Net interest margin | 3.6182% | 3,321 |
| Noninterest income to average assets | 0.4291% | 3,249 |
| Noninterest expense to average assets | 3.3807% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4248% | 4,820 |
| Return on assets (ROA) | 0.4248% | 4,813 |
| Pretax return on assets | 0.4248% | 4,914 |
| Return on Equity (ROE) | 3.7425% | 4,769 |
| Retained earnings to average equity (ytd only) | 3.7425% | 3,517 |
| Net charge-offs to loans | -0.1190% | 5,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8379% | 397 |
| Assets per employee ($millions) | 3.0772% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 1,746 |
| Loan loss allowance to noncurrent loans | 62.4694% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 1,574 |
| Noncurrent loans to loans | 2.1979% | 589 |
| Net loans and leases to total assets | 39.7617% | 4,955 |
| Net loans and leases to deposits | 46.1455% | 4,978 |
| Net loans and leases to core deposits | 46.1455% | 5,035 |
| Total domestic deposits to total assets | 86.1658% | 2,148 |
| Equity capital to assets | 11.4911% | 2,256 |
| Core capital (leverage) ratio | 11.3503% | 2,221 |
| Tier 1 risk-based capital ratio | 28.9504% | 514 |
| Total risk-based capital ratio | 30.2030% | 507 |
| Memoranda: | ||
| Average total assets | $91,577,400 | 4,241 |
| Average earning assets | $85,457,400 | 4,229 |
| Average equity | $10,394,000 | 4,249 |
| Average total loans | $38,670,400 | 4,592 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9016% | 4,210 |
| Cost of funding earning assets | 0.3607% | 4,111 |
| Net interest margin | 3.5409% | 3,553 |
| Noninterest income to average assets | 0.4406% | 3,231 |
| Noninterest expense to average assets | 3.3437% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3910% | 4,974 |
| Return on assets (ROA) | 0.3910% | 4,973 |
| Pretax return on assets | 0.3910% | 5,042 |
| Return on Equity (ROE) | 3.4555% | 4,935 |
| Retained earnings to average equity (ytd only) | 3.4555% | 4,042 |
| Net charge-offs to loans | 0.0068% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 133.8277% | 607 |
| Efficiency ratio | 89.5313% | 341 |
| Assets per employee ($millions) | 3.1438% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,513 |
| Loan loss allowance to noncurrent loans | 46.5257% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.0529% | 1,376 |
| Noncurrent loans to loans | 2.6208% | 480 |
| Net loans and leases to total assets | 39.6834% | 5,034 |
| Net loans and leases to deposits | 44.7691% | 5,091 |
| Net loans and leases to core deposits | 44.7691% | 5,145 |
| Total domestic deposits to total assets | 88.6401% | 982 |
| Equity capital to assets | 11.1203% | 2,548 |
| Core capital (leverage) ratio | 11.1044% | 2,485 |
| Tier 1 risk-based capital ratio | 27.8706% | 576 |
| Total risk-based capital ratio | 29.1223% | 564 |
| Memoranda: | ||
| Average total assets | $91,393,000 | 4,291 |
| Average earning assets | $85,023,750 | 4,277 |
| Average equity | $10,340,500 | 4,301 |
| Average total loans | $39,033,750 | 4,629 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 4,255 |
| Cost of funding earning assets | 0.3224% | 4,256 |
| Net interest margin | 3.5127% | 3,591 |
| Noninterest income to average assets | 0.4402% | 3,217 |
| Noninterest expense to average assets | 3.3754% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3428% | 5,056 |
| Return on assets (ROA) | 0.3428% | 5,056 |
| Pretax return on assets | 0.3428% | 5,115 |
| Return on Equity (ROE) | 3.0122% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.0122% | 4,045 |
| Net charge-offs to loans | 0.0152% | 2,638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 51.6667% | 1,106 |
| Efficiency ratio | 90.7793% | 341 |
| Assets per employee ($millions) | 3.1554% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 2,211 |
| Loan loss allowance to noncurrent loans | 47.8092% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.1223% | 1,310 |
| Noncurrent loans to loans | 2.7006% | 449 |
| Net loans and leases to total assets | 41.0216% | 5,023 |
| Net loans and leases to deposits | 46.3375% | 5,090 |
| Net loans and leases to core deposits | 46.3375% | 5,138 |
| Total domestic deposits to total assets | 88.5278% | 1,130 |
| Equity capital to assets | 11.3367% | 2,320 |
| Core capital (leverage) ratio | 11.4410% | 2,120 |
| Tier 1 risk-based capital ratio | 27.7113% | 573 |
| Total risk-based capital ratio | 28.9614% | 566 |
| Memoranda: | ||
| Average total assets | $90,419,330 | 4,341 |
| Average earning assets | $84,379,330 | 4,327 |
| Average equity | $10,291,330 | 4,343 |
| Average total loans | $39,415,330 | 4,660 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 4,376 |
| Cost of funding earning assets | 0.2860% | 4,451 |
| Net interest margin | 3.4560% | 3,689 |
| Noninterest income to average assets | 0.4451% | 3,146 |
| Noninterest expense to average assets | 3.4047% | 1,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2670% | 5,142 |
| Return on assets (ROA) | 0.2670% | 5,143 |
| Pretax return on assets | 0.2670% | 5,195 |
| Return on Equity (ROE) | 2.3415% | 5,129 |
| Retained earnings to average equity (ytd only) | 2.3415% | 4,225 |
| Net charge-offs to loans | -0.0100% | 4,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7273% | 344 |
| Assets per employee ($millions) | 3.0869% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,541 |
| Loan loss allowance to noncurrent loans | 46.3619% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.1975% | 1,274 |
| Noncurrent loans to loans | 2.6870% | 478 |
| Net loans and leases to total assets | 44.0114% | 4,895 |
| Net loans and leases to deposits | 49.8362% | 4,966 |
| Net loans and leases to core deposits | 49.9956% | 5,044 |
| Total domestic deposits to total assets | 88.3121% | 1,454 |
| Equity capital to assets | 11.4835% | 2,149 |
| Core capital (leverage) ratio | 11.4787% | 2,028 |
| Tier 1 risk-based capital ratio | 26.0312% | 685 |
| Total risk-based capital ratio | 27.2822% | 665 |
| Memoranda: | ||
| Average total assets | $89,875,000 | 4,402 |
| Average earning assets | $83,912,000 | 4,377 |
| Average equity | $10,250,000 | 4,392 |
| Average total loans | $40,108,500 | 4,686 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8075% | 4,031 |
| Cost of funding earning assets | 0.1889% | 5,030 |
| Net interest margin | 3.6186% | 3,108 |
| Noninterest income to average assets | 0.4754% | 3,156 |
| Noninterest expense to average assets | 3.1226% | 1,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7254% | 3,492 |
| Return on assets (ROA) | 0.7254% | 3,530 |
| Pretax return on assets | 0.7254% | 4,448 |
| Return on Equity (ROE) | 6.5571% | 3,503 |
| Retained earnings to average equity (ytd only) | 6.5571% | 1,255 |
| Net charge-offs to loans | -0.1748% | 5,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1480% | 996 |
| Assets per employee ($millions) | 3.2225% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 2,616 |
| Loan loss allowance to noncurrent loans | 46.0465% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1914% | 1,244 |
| Noncurrent loans to loans | 2.6661% | 474 |
| Net loans and leases to total assets | 44.1383% | 4,972 |
| Net loans and leases to deposits | 49.8298% | 5,064 |
| Net loans and leases to core deposits | 49.9868% | 5,136 |
| Total domestic deposits to total assets | 88.5781% | 1,206 |
| Equity capital to assets | 11.3266% | 2,344 |
| Core capital (leverage) ratio | 11.3843% | 2,027 |
| Tier 1 risk-based capital ratio | 25.7210% | 681 |
| Total risk-based capital ratio | 26.9668% | 670 |
| Memoranda: | ||
| Average total assets | $89,188,800 | 4,437 |
| Average earning assets | $83,125,000 | 4,418 |
| Average equity | $9,867,200 | 4,474 |
| Average total loans | $37,766,800 | 4,800 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 4,109 |
| Cost of funding earning assets | 0.1788% | 5,143 |
| Net interest margin | 3.5900% | 3,192 |
| Noninterest income to average assets | 0.4783% | 3,164 |
| Noninterest expense to average assets | 3.1395% | 1,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6807% | 4,076 |
| Return on assets (ROA) | 0.6807% | 4,135 |
| Pretax return on assets | 0.6807% | 4,652 |
| Return on Equity (ROE) | 6.1900% | 4,036 |
| Retained earnings to average equity (ytd only) | 6.1900% | 2,111 |
| Net charge-offs to loans | -0.2514% | 5,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1821% | 899 |
| Assets per employee ($millions) | 2.9499% | 5,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,574 |
| Loan loss allowance to noncurrent loans | 44.4840% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 1.2701% | 1,275 |
| Noncurrent loans to loans | 2.8347% | 475 |
| Net loans and leases to total assets | 44.2405% | 5,015 |
| Net loans and leases to deposits | 49.9834% | 5,126 |
| Net loans and leases to core deposits | 50.3926% | 5,189 |
| Total domestic deposits to total assets | 88.5105% | 1,116 |
| Equity capital to assets | 11.3302% | 2,547 |
| Core capital (leverage) ratio | 11.2669% | 2,212 |
| Tier 1 risk-based capital ratio | 25.9505% | 685 |
| Total risk-based capital ratio | 27.2005% | 670 |
| Memoranda: | ||
| Average total assets | $88,928,500 | 4,485 |
| Average earning assets | $82,783,000 | 4,464 |
| Average equity | $9,779,000 | 4,533 |
| Average total loans | $37,128,250 | 4,866 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6767% | 4,292 |
| Cost of funding earning assets | 0.1743% | 5,178 |
| Net interest margin | 3.5024% | 3,392 |
| Noninterest income to average assets | 0.4648% | 3,254 |
| Noninterest expense to average assets | 3.1098% | 1,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6040% | 4,289 |
| Return on assets (ROA) | 0.6040% | 4,333 |
| Pretax return on assets | 0.6040% | 4,795 |
| Return on Equity (ROE) | 5.5485% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.5485% | 2,380 |
| Net charge-offs to loans | -0.3748% | 5,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7364% | 865 |
| Assets per employee ($millions) | 2.9718% | 5,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,464 |
| Loan loss allowance to noncurrent loans | 43.6077% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 1.2809% | 1,297 |
| Noncurrent loans to loans | 2.9579% | 443 |
| Net loans and leases to total assets | 42.7469% | 5,107 |
| Net loans and leases to deposits | 48.1163% | 5,212 |
| Net loans and leases to core deposits | 48.8778% | 5,254 |
| Total domestic deposits to total assets | 88.8408% | 1,040 |
| Equity capital to assets | 11.0392% | 2,765 |
| Core capital (leverage) ratio | 11.1635% | 2,265 |
| Tier 1 risk-based capital ratio | 26.6851% | 627 |
| Total risk-based capital ratio | 27.9350% | 611 |
| Memoranda: | ||
| Average total assets | $89,072,000 | 4,512 |
| Average earning assets | $82,629,330 | 4,494 |
| Average equity | $9,696,330 | 4,563 |
| Average total loans | $36,287,000 | 4,922 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5043% | 4,686 |
| Cost of funding earning assets | 0.1641% | 5,276 |
| Net interest margin | 3.3402% | 3,882 |
| Noninterest income to average assets | 0.4313% | 3,437 |
| Noninterest expense to average assets | 3.0866% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4538% | 4,762 |
| Return on assets (ROA) | 0.4538% | 4,783 |
| Pretax return on assets | 0.4538% | 5,052 |
| Return on Equity (ROE) | 4.1981% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.1981% | 3,354 |
| Net charge-offs to loans | 0.5011% | 365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.2955% | 2,613 |
| Efficiency ratio | 87.1827% | 718 |
| Assets per employee ($millions) | 2.9729% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,966 |
| Loan loss allowance to noncurrent loans | 26.3122% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 1.6449% | 935 |
| Noncurrent loans to loans | 4.0063% | 256 |
| Net loans and leases to total assets | 40.6241% | 5,221 |
| Net loans and leases to deposits | 45.6385% | 5,311 |
| Net loans and leases to core deposits | 46.3573% | 5,358 |
| Total domestic deposits to total assets | 89.0128% | 1,132 |
| Equity capital to assets | 10.8470% | 2,800 |
| Core capital (leverage) ratio | 11.0190% | 2,346 |
| Tier 1 risk-based capital ratio | 26.7371% | 645 |
| Total risk-based capital ratio | 27.8039% | 645 |
| Memoranda: | ||
| Average total assets | $89,030,500 | 4,558 |
| Average earning assets | $82,870,500 | 4,526 |
| Average equity | $9,623,500 | 4,600 |
| Average total loans | $35,126,000 | 4,995 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 4,748 |
| Cost of funding earning assets | 0.1654% | 5,314 |
| Net interest margin | 3.3490% | 3,997 |
| Noninterest income to average assets | 0.4301% | 3,678 |
| Noninterest expense to average assets | 3.0656% | 2,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5020% | 4,625 |
| Return on assets (ROA) | 0.5020% | 4,697 |
| Pretax return on assets | 0.5020% | 5,020 |
| Return on Equity (ROE) | 4.7738% | 4,526 |
| Retained earnings to average equity (ytd only) | 4.7738% | 2,493 |
| Net charge-offs to loans | -0.0415% | 5,346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9301% | 828 |
| Assets per employee ($millions) | 3.0647% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 2,662 |
| Loan loss allowance to noncurrent loans | 27.6172% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 1.7519% | 863 |
| Noncurrent loans to loans | 4.6291% | 192 |
| Net loans and leases to total assets | 37.3615% | 5,431 |
| Net loans and leases to deposits | 41.9165% | 5,493 |
| Net loans and leases to core deposits | 42.5782% | 5,536 |
| Total domestic deposits to total assets | 89.1331% | 1,043 |
| Equity capital to assets | 10.7713% | 2,844 |
| Core capital (leverage) ratio | 10.8104% | 2,526 |
| Tier 1 risk-based capital ratio | 28.9040% | 521 |
| Total risk-based capital ratio | 30.1540% | 512 |
| Memoranda: | ||
| Average total assets | $89,052,400 | 4,561 |
| Average earning assets | $83,426,800 | 4,529 |
| Average equity | $9,363,600 | 4,675 |
| Average total loans | $33,747,600 | 5,079 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4931% | 4,827 |
| Cost of funding earning assets | 0.1671% | 5,369 |
| Net interest margin | 3.3260% | 4,110 |
| Noninterest income to average assets | 0.4145% | 3,818 |
| Noninterest expense to average assets | 2.9735% | 2,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5687% | 4,420 |
| Return on assets (ROA) | 0.5687% | 4,526 |
| Pretax return on assets | 0.5687% | 4,960 |
| Return on Equity (ROE) | 5.4413% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.4413% | 2,523 |
| Net charge-offs to loans | -0.0395% | 5,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9459% | 997 |
| Assets per employee ($millions) | 2.9388% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,937 |
| Loan loss allowance to noncurrent loans | 40.0374% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 1.2125% | 1,639 |
| Noncurrent loans to loans | 3.1299% | 463 |
| Net loans and leases to total assets | 38.2541% | 5,458 |
| Net loans and leases to deposits | 42.9292% | 5,548 |
| Net loans and leases to core deposits | 43.6108% | 5,592 |
| Total domestic deposits to total assets | 89.1099% | 848 |
| Equity capital to assets | 10.7823% | 3,266 |
| Core capital (leverage) ratio | 10.6886% | 2,798 |
| Tier 1 risk-based capital ratio | 28.3592% | 560 |
| Total risk-based capital ratio | 29.6092% | 545 |
| Memoranda: | ||
| Average total assets | $89,096,750 | 4,602 |
| Average earning assets | $83,783,000 | 4,558 |
| Average equity | $9,311,250 | 4,740 |
| Average total loans | $33,775,750 | 5,123 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5436% | 4,762 |
| Cost of funding earning assets | 0.1714% | 5,399 |
| Net interest margin | 3.3723% | 3,993 |
| Noninterest income to average assets | 0.4004% | 3,866 |
| Noninterest expense to average assets | 2.9751% | 2,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5950% | 4,296 |
| Return on assets (ROA) | 0.5950% | 4,418 |
| Pretax return on assets | 0.5950% | 4,900 |
| Return on Equity (ROE) | 5.7536% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.7536% | 2,263 |
| Net charge-offs to loans | 0.0416% | 2,630 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,190 |
| Efficiency ratio | 83.3333% | 1,107 |
| Assets per employee ($millions) | 3.0252% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 3,604 |
| Loan loss allowance to noncurrent loans | 38.2959% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 1.1768% | 1,781 |
| Noncurrent loans to loans | 3.0189% | 492 |
| Net loans and leases to total assets | 38.5297% | 5,491 |
| Net loans and leases to deposits | 43.0174% | 5,592 |
| Net loans and leases to core deposits | 43.7051% | 5,635 |
| Total domestic deposits to total assets | 89.5676% | 648 |
| Equity capital to assets | 10.3475% | 3,800 |
| Core capital (leverage) ratio | 10.4899% | 2,987 |
| Tier 1 risk-based capital ratio | 26.9523% | 656 |
| Total risk-based capital ratio | 28.1262% | 642 |
| Memoranda: | ||
| Average total assets | $89,408,000 | 4,628 |
| Average earning assets | $84,038,000 | 4,587 |
| Average equity | $9,246,330 | 4,788 |
| Average total loans | $33,649,670 | 5,184 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4825% | 4,927 |
| Cost of funding earning assets | 0.1770% | 5,399 |
| Net interest margin | 3.3055% | 4,201 |
| Noninterest income to average assets | 0.3696% | 4,079 |
| Noninterest expense to average assets | 3.0563% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4282% | 4,909 |
| Return on assets (ROA) | 0.4282% | 4,987 |
| Pretax return on assets | 0.4282% | 5,251 |
| Return on Equity (ROE) | 4.1421% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.1421% | 3,415 |
| Net charge-offs to loans | -0.0244% | 4,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7102% | 836 |
| Assets per employee ($millions) | 2.8584% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 2,968 |
| Loan loss allowance to noncurrent loans | 37.6122% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 1.2572% | 1,727 |
| Noncurrent loans to loans | 3.4282% | 409 |
| Net loans and leases to total assets | 36.1987% | 5,627 |
| Net loans and leases to deposits | 40.4622% | 5,697 |
| Net loans and leases to core deposits | 41.2622% | 5,740 |
| Total domestic deposits to total assets | 89.4629% | 855 |
| Equity capital to assets | 10.4073% | 3,605 |
| Core capital (leverage) ratio | 10.4875% | 2,983 |
| Tier 1 risk-based capital ratio | 28.8215% | 557 |
| Total risk-based capital ratio | 30.0716% | 544 |
| Memoranda: | ||
| Average total assets | $88,734,000 | 4,682 |
| Average earning assets | $83,618,000 | 4,630 |
| Average equity | $9,174,000 | 4,823 |
| Average total loans | $32,786,000 | 5,243 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4397% | 5,071 |
| Cost of funding earning assets | 0.2363% | 4,935 |
| Net interest margin | 3.2034% | 4,618 |
| Noninterest income to average assets | 0.6456% | 2,484 |
| Noninterest expense to average assets | 3.1721% | 2,031 |
| Loan and lease loss provision to assets | -0.2273% | 6,014 |
| Net operating income to assets | 0.7058% | 3,779 |
| Return on assets (ROA) | 0.7058% | 3,889 |
| Pretax return on assets | 0.7058% | 4,519 |
| Return on Equity (ROE) | 6.8900% | 3,569 |
| Retained earnings to average equity (ytd only) | 3.2841% | 3,714 |
| Net charge-offs to loans | 0.3921% | 731 |
| Credit loss provision to net charge-offs | -142.8571% | 5,215 |
| Earnings coverage of net charge-offs (x) | 3.0071% | 3,793 |
| Efficiency ratio | 86.8929% | 919 |
| Assets per employee ($millions) | 2.8664% | 5,648 |
| Cash dividends to net income (ytd only)* | 52.3349% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 3,106 |
| Loan loss allowance to noncurrent loans | 35.7633% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 1.3122% | 1,619 |
| Noncurrent loans to loans | 3.5251% | 394 |
| Net loans and leases to total assets | 36.7557% | 5,676 |
| Net loans and leases to deposits | 41.0142% | 5,741 |
| Net loans and leases to core deposits | 41.9665% | 5,765 |
| Total domestic deposits to total assets | 89.6170% | 792 |
| Equity capital to assets | 10.2704% | 3,660 |
| Core capital (leverage) ratio | 10.1827% | 3,282 |
| Tier 1 risk-based capital ratio | 28.2504% | 586 |
| Total risk-based capital ratio | 29.5010% | 578 |
| Memoranda: | ||
| Average total assets | $87,985,000 | 4,712 |
| Average earning assets | $82,537,000 | 4,663 |
| Average equity | $9,013,000 | 4,846 |
| Average total loans | $35,706,000 | 5,166 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4441% | 5,109 |
| Cost of funding earning assets | 0.2560% | 4,809 |
| Net interest margin | 3.1881% | 4,708 |
| Noninterest income to average assets | 0.7322% | 2,098 |
| Noninterest expense to average assets | 3.1385% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5834% | 4,462 |
| Return on assets (ROA) | 0.5834% | 4,557 |
| Pretax return on assets | 0.5834% | 5,019 |
| Return on Equity (ROE) | 5.6984% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.6984% | 2,443 |
| Net charge-offs to loans | 0.4290% | 591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.2820% | 3,528 |
| Efficiency ratio | 84.3265% | 1,140 |
| Assets per employee ($millions) | 2.8693% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8484% | 1,179 |
| Loan loss allowance to noncurrent loans | 51.9449% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 1.3873% | 1,657 |
| Noncurrent loans to loans | 3.5585% | 429 |
| Net loans and leases to total assets | 38.2662% | 5,687 |
| Net loans and leases to deposits | 42.7413% | 5,772 |
| Net loans and leases to core deposits | 43.7314% | 5,797 |
| Total domestic deposits to total assets | 89.5298% | 759 |
| Equity capital to assets | 10.3566% | 3,752 |
| Core capital (leverage) ratio | 10.3428% | 3,204 |
| Tier 1 risk-based capital ratio | 27.1636% | 675 |
| Total risk-based capital ratio | 28.4227% | 655 |
| Memoranda: | ||
| Average total assets | $87,767,000 | 4,773 |
| Average earning assets | $82,303,500 | 4,730 |
| Average equity | $8,984,750 | 4,916 |
| Average total loans | $36,363,250 | 5,202 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5049% | 4,965 |
| Cost of funding earning assets | 0.2645% | 4,776 |
| Net interest margin | 3.2404% | 4,527 |
| Noninterest income to average assets | 0.4807% | 3,498 |
| Noninterest expense to average assets | 3.1291% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3800% | 5,206 |
| Return on assets (ROA) | 0.3800% | 5,320 |
| Pretax return on assets | 0.3800% | 5,515 |
| Return on Equity (ROE) | 3.7266% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.7266% | 3,652 |
| Net charge-offs to loans | 0.6500% | 356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.3833% | 3,525 |
| Efficiency ratio | 89.1716% | 814 |
| Assets per employee ($millions) | 2.8889% | 5,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 1,501 |
| Loan loss allowance to noncurrent loans | 50.1575% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 2.5291% | 743 |
| Noncurrent loans to loans | 3.4811% | 504 |
| Net loans and leases to total assets | 40.0259% | 5,629 |
| Net loans and leases to deposits | 44.5646% | 5,741 |
| Net loans and leases to core deposits | 45.5888% | 5,785 |
| Total domestic deposits to total assets | 89.8154% | 743 |
| Equity capital to assets | 10.0428% | 3,991 |
| Core capital (leverage) ratio | 10.2938% | 3,220 |
| Tier 1 risk-based capital ratio | 25.0753% | 856 |
| Total risk-based capital ratio | 26.3327% | 841 |
| Memoranda: | ||
| Average total assets | $87,373,330 | 4,827 |
| Average earning assets | $81,656,000 | 4,787 |
| Average equity | $8,909,000 | 4,962 |
| Average total loans | $36,925,000 | 5,223 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4617% | 5,059 |
| Cost of funding earning assets | 0.2716% | 4,767 |
| Net interest margin | 3.1901% | 4,647 |
| Noninterest income to average assets | 0.4729% | 3,486 |
| Noninterest expense to average assets | 3.1293% | 2,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3384% | 5,287 |
| Return on assets (ROA) | 0.3384% | 5,398 |
| Pretax return on assets | 0.3384% | 5,560 |
| Return on Equity (ROE) | 3.2933% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.2933% | 4,008 |
| Net charge-offs to loans | 1.1522% | 196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.6822% | 3,023 |
| Efficiency ratio | 90.2406% | 835 |
| Assets per employee ($millions) | 2.8187% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 1,653 |
| Loan loss allowance to noncurrent loans | 48.1838% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 2.6826% | 756 |
| Noncurrent loans to loans | 3.6038% | 516 |
| Net loans and leases to total assets | 42.0959% | 5,478 |
| Net loans and leases to deposits | 46.9650% | 5,625 |
| Net loans and leases to core deposits | 48.4031% | 5,653 |
| Total domestic deposits to total assets | 89.6325% | 934 |
| Equity capital to assets | 10.1889% | 3,893 |
| Core capital (leverage) ratio | 10.3281% | 3,189 |
| Tier 1 risk-based capital ratio | 24.2351% | 971 |
| Total risk-based capital ratio | 25.4845% | 955 |
| Memoranda: | ||
| Average total assets | $86,281,500 | 4,896 |
| Average earning assets | $81,000,500 | 4,846 |
| Average equity | $8,866,500 | 5,019 |
| Average total loans | $37,146,000 | 5,239 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6130% | 5,052 |
| Cost of funding earning assets | 0.2697% | 5,103 |
| Net interest margin | 3.3433% | 4,425 |
| Noninterest income to average assets | 1.3361% | 688 |
| Noninterest expense to average assets | 3.3931% | 1,711 |
| Loan and lease loss provision to assets | -0.4798% | 6,442 |
| Net operating income to assets | 1.5304% | 826 |
| Return on assets (ROA) | 1.5304% | 858 |
| Pretax return on assets | 1.5304% | 1,440 |
| Return on Equity (ROE) | 14.7460% | 821 |
| Retained earnings to average equity (ytd only) | 4.9230% | 2,655 |
| Net charge-offs to loans | -0.0587% | 5,979 |
| Credit loss provision to net charge-offs | 1,904.7619% | 161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3563% | 2,457 |
| Assets per employee ($millions) | 2.8395% | 5,895 |
| Cash dividends to net income (ytd only)* | 66.6144% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0538% | 1,022 |
| Loan loss allowance to noncurrent loans | 49.2198% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 2.9736% | 684 |
| Noncurrent loans to loans | 4.1727% | 424 |
| Net loans and leases to total assets | 42.3812% | 5,586 |
| Net loans and leases to deposits | 47.3761% | 5,720 |
| Net loans and leases to core deposits | 48.8657% | 5,769 |
| Total domestic deposits to total assets | 89.4569% | 988 |
| Equity capital to assets | 10.3658% | 3,651 |
| Core capital (leverage) ratio | 10.2695% | 3,215 |
| Tier 1 risk-based capital ratio | 24.3137% | 916 |
| Total risk-based capital ratio | 25.4619% | 906 |
| Memoranda: | ||
| Average total assets | $83,375,400 | 4,976 |
| Average earning assets | $77,498,600 | 4,941 |
| Average equity | $8,653,200 | 5,052 |
| Average total loans | $35,750,600 | 5,341 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6059% | 5,123 |
| Cost of funding earning assets | 0.2691% | 5,214 |
| Net interest margin | 3.3368% | 4,485 |
| Noninterest income to average assets | 0.5097% | 3,486 |
| Noninterest expense to average assets | 3.3444% | 1,799 |
| Loan and lease loss provision to assets | -0.3216% | 6,478 |
| Net operating income to assets | 0.5772% | 4,552 |
| Return on assets (ROA) | 0.5772% | 4,634 |
| Pretax return on assets | 0.5772% | 5,097 |
| Return on Equity (ROE) | 5.5599% | 4,455 |
| Retained earnings to average equity (ytd only) | 5.5599% | 2,701 |
| Net charge-offs to loans | -0.0677% | 6,024 |
| Credit loss provision to net charge-offs | 1,111.1111% | 303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8986% | 652 |
| Assets per employee ($millions) | 2.9876% | 5,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7222% | 480 |
| Loan loss allowance to noncurrent loans | 59.9623% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.9848% | 793 |
| Noncurrent loans to loans | 4.5399% | 432 |
| Net loans and leases to total assets | 39.3479% | 5,853 |
| Net loans and leases to deposits | 43.8571% | 5,979 |
| Net loans and leases to core deposits | 45.2057% | 5,992 |
| Total domestic deposits to total assets | 89.7184% | 865 |
| Equity capital to assets | 10.1131% | 4,035 |
| Core capital (leverage) ratio | 10.2648% | 3,325 |
| Tier 1 risk-based capital ratio | 24.8843% | 893 |
| Total risk-based capital ratio | 26.0856% | 883 |
| Memoranda: | ||
| Average total assets | $82,923,250 | 5,044 |
| Average earning assets | $76,798,000 | 5,015 |
| Average equity | $8,609,000 | 5,104 |
| Average total loans | $35,473,500 | 5,397 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 4,998 |
| Cost of funding earning assets | 0.2675% | 5,314 |
| Net interest margin | 3.3858% | 4,235 |
| Noninterest income to average assets | 0.3746% | 4,444 |
| Noninterest expense to average assets | 3.4352% | 1,604 |
| Loan and lease loss provision to assets | -0.4897% | 6,589 |
| Net operating income to assets | 0.5901% | 4,403 |
| Return on assets (ROA) | 0.5901% | 4,498 |
| Pretax return on assets | 0.5901% | 4,982 |
| Return on Equity (ROE) | 5.6322% | 4,366 |
| Retained earnings to average equity (ytd only) | 5.6322% | 2,552 |
| Net charge-offs to loans | -0.0842% | 6,089 |
| Credit loss provision to net charge-offs | 1,333.3333% | 268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1607% | 503 |
| Assets per employee ($millions) | 2.8700% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7166% | 524 |
| Loan loss allowance to noncurrent loans | 58.2465% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 3.1551% | 797 |
| Noncurrent loans to loans | 4.6640% | 458 |
| Net loans and leases to total assets | 40.8742% | 5,752 |
| Net loans and leases to deposits | 45.6951% | 5,896 |
| Net loans and leases to core deposits | 47.1616% | 5,946 |
| Total domestic deposits to total assets | 89.4498% | 1,118 |
| Equity capital to assets | 10.3868% | 3,576 |
| Core capital (leverage) ratio | 10.4483% | 3,013 |
| Tier 1 risk-based capital ratio | 24.9473% | 875 |
| Total risk-based capital ratio | 26.1709% | 871 |
| Memoranda: | ||
| Average total assets | $81,684,330 | 5,119 |
| Average earning assets | $76,259,330 | 5,063 |
| Average equity | $8,558,000 | 5,146 |
| Average total loans | $35,616,330 | 5,435 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 4,893 |
| Cost of funding earning assets | 0.2690% | 5,397 |
| Net interest margin | 3.4182% | 4,035 |
| Noninterest income to average assets | 0.2324% | 5,491 |
| Noninterest expense to average assets | 3.3271% | 1,885 |
| Loan and lease loss provision to assets | -0.9887% | 6,707 |
| Net operating income to assets | 1.0975% | 1,825 |
| Return on assets (ROA) | 1.0975% | 1,889 |
| Pretax return on assets | 1.0975% | 2,913 |
| Return on Equity (ROE) | 10.4293% | 1,897 |
| Retained earnings to average equity (ytd only) | 10.4293% | 866 |
| Net charge-offs to loans | -0.1113% | 6,161 |
| Credit loss provision to net charge-offs | 2,000.0000% | 170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8345% | 600 |
| Assets per employee ($millions) | 2.8275% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6202% | 699 |
| Loan loss allowance to noncurrent loans | 57.5776% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 3.3208% | 798 |
| Noncurrent loans to loans | 4.5507% | 522 |
| Net loans and leases to total assets | 42.8767% | 5,597 |
| Net loans and leases to deposits | 48.4150% | 5,708 |
| Net loans and leases to core deposits | 50.1877% | 5,750 |
| Total domestic deposits to total assets | 88.5607% | 1,909 |
| Equity capital to assets | 10.5198% | 3,226 |
| Core capital (leverage) ratio | 10.6162% | 2,792 |
| Tier 1 risk-based capital ratio | 24.3294% | 957 |
| Total risk-based capital ratio | 25.5958% | 943 |
| Memoranda: | ||
| Average total assets | $80,911,000 | 5,190 |
| Average earning assets | $75,828,500 | 5,121 |
| Average equity | $8,514,500 | 5,177 |
| Average total loans | $35,939,500 | 5,464 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 3,911 |
| Cost of funding earning assets | 0.2892% | 5,680 |
| Net interest margin | 3.7637% | 2,791 |
| Noninterest income to average assets | 0.5903% | 3,147 |
| Noninterest expense to average assets | 3.8982% | 996 |
| Loan and lease loss provision to assets | -0.2261% | 6,617 |
| Net operating income to assets | 0.4101% | 5,113 |
| Return on assets (ROA) | 0.4101% | 5,226 |
| Pretax return on assets | 0.4101% | 5,477 |
| Return on Equity (ROE) | 3.8852% | 5,167 |
| Retained earnings to average equity (ytd only) | 3.8852% | 3,438 |
| Net charge-offs to loans | 0.1485% | 3,319 |
| Credit loss provision to net charge-offs | -327.7778% | 6,067 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 4,103 |
| Efficiency ratio | 95.4930% | 669 |
| Assets per employee ($millions) | 2.7526% | 6,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1754% | 381 |
| Loan loss allowance to noncurrent loans | 67.2587% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 3.5466% | 819 |
| Noncurrent loans to loans | 4.7212% | 552 |
| Net loans and leases to total assets | 43.3942% | 5,725 |
| Net loans and leases to deposits | 48.6216% | 5,856 |
| Net loans and leases to core deposits | 50.2393% | 5,921 |
| Total domestic deposits to total assets | 89.2488% | 1,456 |
| Equity capital to assets | 10.5269% | 3,117 |
| Core capital (leverage) ratio | 10.5677% | 2,826 |
| Tier 1 risk-based capital ratio | 24.0464% | 948 |
| Total risk-based capital ratio | 25.2368% | 948 |
| Memoranda: | ||
| Average total assets | $78,267,600 | 5,275 |
| Average earning assets | $72,615,200 | 5,234 |
| Average equity | $8,262,200 | 5,273 |
| Average total loans | $36,356,600 | 5,482 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 3,556 |
| Cost of funding earning assets | 0.2902% | 5,811 |
| Net interest margin | 3.8637% | 2,402 |
| Noninterest income to average assets | 0.6334% | 2,968 |
| Noninterest expense to average assets | 3.8658% | 1,009 |
| Loan and lease loss provision to assets | -0.1661% | 6,691 |
| Net operating income to assets | 0.5119% | 4,748 |
| Return on assets (ROA) | 0.5119% | 4,902 |
| Pretax return on assets | 0.5119% | 5,321 |
| Return on Equity (ROE) | 4.8458% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.8458% | 3,199 |
| Net charge-offs to loans | 0.0804% | 3,803 |
| Credit loss provision to net charge-offs | -440.9091% | 6,029 |
| Earnings coverage of net charge-offs (x) | 9.1827% | 2,514 |
| Efficiency ratio | 91.7886% | 867 |
| Assets per employee ($millions) | 2.6473% | 6,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4930% | 340 |
| Loan loss allowance to noncurrent loans | 54.9538% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 5.0932% | 537 |
| Noncurrent loans to loans | 6.3562% | 372 |
| Net loans and leases to total assets | 43.4166% | 5,778 |
| Net loans and leases to deposits | 49.1652% | 5,893 |
| Net loans and leases to core deposits | 50.8254% | 5,965 |
| Total domestic deposits to total assets | 88.3076% | 1,936 |
| Equity capital to assets | 10.5529% | 3,214 |
| Core capital (leverage) ratio | 10.5610% | 2,939 |
| Tier 1 risk-based capital ratio | 23.4722% | 1,074 |
| Total risk-based capital ratio | 24.7521% | 1,048 |
| Memoranda: | ||
| Average total assets | $77,878,500 | 5,340 |
| Average earning assets | $72,123,500 | 5,302 |
| Average equity | $8,227,000 | 5,332 |
| Average total loans | $36,502,000 | 5,531 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3678% | 2,692 |
| Cost of funding earning assets | 0.2949% | 5,868 |
| Net interest margin | 4.0729% | 1,623 |
| Noninterest income to average assets | 0.6127% | 3,116 |
| Noninterest expense to average assets | 3.9062% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4550% | 4,995 |
| Return on assets (ROA) | 0.4550% | 5,166 |
| Pretax return on assets | 0.4550% | 5,504 |
| Return on Equity (ROE) | 4.3055% | 5,094 |
| Retained earnings to average equity (ytd only) | 4.3055% | 3,545 |
| Net charge-offs to loans | -0.0871% | 6,463 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5673% | 1,082 |
| Assets per employee ($millions) | 2.4313% | 6,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8643% | 286 |
| Loan loss allowance to noncurrent loans | 72.3560% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 4.8123% | 650 |
| Noncurrent loans to loans | 5.3407% | 580 |
| Net loans and leases to total assets | 44.1909% | 5,722 |
| Net loans and leases to deposits | 49.5311% | 5,878 |
| Net loans and leases to core deposits | 51.2178% | 5,942 |
| Total domestic deposits to total assets | 89.2186% | 1,499 |
| Equity capital to assets | 10.6143% | 3,156 |
| Core capital (leverage) ratio | 10.6640% | 2,701 |
| Tier 1 risk-based capital ratio | 23.1168% | 1,117 |
| Total risk-based capital ratio | 24.4240% | 1,087 |
| Memoranda: | ||
| Average total assets | $77,365,000 | 5,384 |
| Average earning assets | $71,202,330 | 5,357 |
| Average equity | $8,175,670 | 5,386 |
| Average total loans | $36,759,670 | 5,551 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 1,923 |
| Cost of funding earning assets | 0.3077% | 5,913 |
| Net interest margin | 4.2622% | 1,042 |
| Noninterest income to average assets | 0.5600% | 3,370 |
| Noninterest expense to average assets | 3.8887% | 1,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5496% | 4,455 |
| Return on assets (ROA) | 0.5496% | 4,610 |
| Pretax return on assets | 0.5496% | 5,115 |
| Return on Equity (ROE) | 5.2124% | 4,456 |
| Retained earnings to average equity (ytd only) | 5.2124% | 3,106 |
| Net charge-offs to loans | -0.0752% | 6,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6168% | 1,365 |
| Assets per employee ($millions) | 2.4167% | 6,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7006% | 358 |
| Loan loss allowance to noncurrent loans | 54.8941% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 5.5305% | 621 |
| Noncurrent loans to loans | 6.7414% | 457 |
| Net loans and leases to total assets | 46.2339% | 5,410 |
| Net loans and leases to deposits | 51.8136% | 5,638 |
| Net loans and leases to core deposits | 53.5864% | 5,702 |
| Total domestic deposits to total assets | 89.2313% | 1,536 |
| Equity capital to assets | 10.5864% | 3,445 |
| Core capital (leverage) ratio | 10.6362% | 2,610 |
| Tier 1 risk-based capital ratio | 22.2087% | 1,291 |
| Total risk-based capital ratio | 23.4890% | 1,261 |
| Memoranda: | ||
| Average total assets | $77,147,000 | 5,433 |
| Average earning assets | $70,198,500 | 5,431 |
| Average equity | $8,134,500 | 5,451 |
| Average total loans | $37,258,000 | 5,571 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6166% | 2,933 |
| Cost of funding earning assets | 0.3534% | 6,185 |
| Net interest margin | 4.2632% | 1,483 |
| Noninterest income to average assets | 0.6999% | 2,724 |
| Noninterest expense to average assets | 3.9707% | 1,007 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5381% | 4,522 |
| Return on assets (ROA) | 0.5381% | 4,782 |
| Pretax return on assets | 0.5381% | 5,171 |
| Return on Equity (ROE) | 5.2083% | 4,589 |
| Retained earnings to average equity (ytd only) | 5.2083% | 2,566 |
| Net charge-offs to loans | 0.2588% | 3,390 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 4.0900% | 3,485 |
| Efficiency ratio | 88.0654% | 1,235 |
| Assets per employee ($millions) | 2.4050% | 6,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6537% | 376 |
| Loan loss allowance to noncurrent loans | 42.7409% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 6.4671% | 512 |
| Noncurrent loans to loans | 8.5484% | 325 |
| Net loans and leases to total assets | 46.8054% | 5,534 |
| Net loans and leases to deposits | 52.3988% | 5,776 |
| Net loans and leases to core deposits | 54.0742% | 5,866 |
| Total domestic deposits to total assets | 89.3255% | 1,350 |
| Equity capital to assets | 10.5017% | 3,531 |
| Core capital (leverage) ratio | 10.5121% | 2,750 |
| Tier 1 risk-based capital ratio | 21.8138% | 1,300 |
| Total risk-based capital ratio | 23.0931% | 1,262 |
| Memoranda: | ||
| Average total assets | $76,006,400 | 5,457 |
| Average earning assets | $67,906,600 | 5,496 |
| Average equity | $7,852,800 | 5,539 |
| Average total loans | $38,635,800 | 5,562 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7402% | 2,622 |
| Cost of funding earning assets | 0.3577% | 6,345 |
| Net interest margin | 4.3825% | 1,244 |
| Noninterest income to average assets | 0.6335% | 3,085 |
| Noninterest expense to average assets | 3.8238% | 1,169 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7338% | 3,759 |
| Return on assets (ROA) | 0.7338% | 4,011 |
| Pretax return on assets | 0.7338% | 4,734 |
| Return on Equity (ROE) | 7.1322% | 3,735 |
| Retained earnings to average equity (ytd only) | 7.1322% | 2,044 |
| Net charge-offs to loans | 0.2773% | 3,060 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 5.1481% | 3,098 |
| Efficiency ratio | 83.8996% | 1,600 |
| Assets per employee ($millions) | 2.2975% | 6,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8748% | 341 |
| Loan loss allowance to noncurrent loans | 40.1217% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 6.6452% | 553 |
| Noncurrent loans to loans | 9.6576% | 267 |
| Net loans and leases to total assets | 43.9846% | 5,971 |
| Net loans and leases to deposits | 49.1433% | 6,179 |
| Net loans and leases to core deposits | 50.8819% | 6,244 |
| Total domestic deposits to total assets | 89.5028% | 1,124 |
| Equity capital to assets | 10.3551% | 4,009 |
| Core capital (leverage) ratio | 10.5215% | 2,890 |
| Tier 1 risk-based capital ratio | 22.9124% | 1,182 |
| Total risk-based capital ratio | 24.1956% | 1,156 |
| Memoranda: | ||
| Average total assets | $75,768,250 | 5,524 |
| Average earning assets | $67,843,500 | 5,558 |
| Average equity | $7,795,500 | 5,612 |
| Average total loans | $38,948,000 | 5,619 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1104% | 5,286 |
| Cost of funding earning assets | 0.3710% | 6,413 |
| Net interest margin | 3.7394% | 3,642 |
| Noninterest income to average assets | 0.6135% | 3,177 |
| Noninterest expense to average assets | 3.7314% | 1,323 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2160% | 5,868 |
| Return on assets (ROA) | 0.2160% | 6,057 |
| Pretax return on assets | 0.2160% | 6,126 |
| Return on Equity (ROE) | 2.1045% | 6,013 |
| Retained earnings to average equity (ytd only) | 2.1045% | 5,146 |
| Net charge-offs to loans | 0.0300% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 1,790 |
| Efficiency ratio | 94.5270% | 778 |
| Assets per employee ($millions) | 2.6156% | 6,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8010% | 393 |
| Loan loss allowance to noncurrent loans | 23.0405% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 10.7883% | 224 |
| Noncurrent loans to loans | 16.4971% | 81 |
| Net loans and leases to total assets | 48.7482% | 5,529 |
| Net loans and leases to deposits | 54.3749% | 5,830 |
| Net loans and leases to core deposits | 56.5668% | 5,897 |
| Total domestic deposits to total assets | 89.6521% | 1,127 |
| Equity capital to assets | 10.2240% | 4,026 |
| Core capital (leverage) ratio | 10.3949% | 2,927 |
| Tier 1 risk-based capital ratio | 20.2973% | 1,641 |
| Total risk-based capital ratio | 21.5798% | 1,600 |
| Memoranda: | ||
| Average total assets | $74,985,670 | 5,579 |
| Average earning assets | $66,855,330 | 5,620 |
| Average equity | $7,697,670 | 5,655 |
| Average total loans | $40,016,000 | 5,602 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1266% | 5,360 |
| Cost of funding earning assets | 0.3918% | 6,448 |
| Net interest margin | 3.7348% | 3,676 |
| Noninterest income to average assets | 0.6009% | 3,230 |
| Noninterest expense to average assets | 3.9167% | 1,043 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0429% | 6,475 |
| Return on assets (ROA) | -0.0429% | 6,571 |
| Pretax return on assets | -0.0429% | 6,566 |
| Return on Equity (ROE) | -0.4173% | 6,581 |
| Retained earnings to average equity (ytd only) | -0.4173% | 6,069 |
| Net charge-offs to loans | -0.0686% | 6,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1080% | 515 |
| Assets per employee ($millions) | 2.4088% | 6,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7326% | 451 |
| Loan loss allowance to noncurrent loans | 22.2575% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 11.1915% | 236 |
| Noncurrent loans to loans | 16.7701% | 89 |
| Net loans and leases to total assets | 50.8751% | 5,183 |
| Net loans and leases to deposits | 56.8236% | 5,511 |
| Net loans and leases to core deposits | 59.1496% | 5,613 |
| Total domestic deposits to total assets | 89.5317% | 1,350 |
| Equity capital to assets | 10.2648% | 3,774 |
| Core capital (leverage) ratio | 10.3808% | 2,894 |
| Tier 1 risk-based capital ratio | 19.5840% | 1,814 |
| Total risk-based capital ratio | 20.8667% | 1,781 |
| Memoranda: | ||
| Average total assets | $74,553,000 | 5,629 |
| Average earning assets | $65,332,000 | 5,710 |
| Average equity | $7,669,000 | 5,693 |
| Average total loans | $40,805,500 | 5,609 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 5,014 |
| Cost of funding earning assets | 0.5487% | 6,345 |
| Net interest margin | 3.9669% | 3,034 |
| Noninterest income to average assets | 0.2109% | 6,008 |
| Noninterest expense to average assets | 3.8230% | 1,302 |
| Loan and lease loss provision to assets | 0.3581% | 2,861 |
| Net operating income to assets | -0.4492% | 6,451 |
| Return on assets (ROA) | -0.4492% | 6,505 |
| Pretax return on assets | -0.4492% | 6,450 |
| Return on Equity (ROE) | -4.3998% | 6,496 |
| Retained earnings to average equity (ytd only) | -4.3998% | 6,401 |
| Net charge-offs to loans | 2.3323% | 533 |
| Credit loss provision to net charge-offs | 26.6990% | 5,832 |
| Earnings coverage of net charge-offs (x) | -0.0680% | 5,877 |
| Efficiency ratio | 102.4424% | 603 |
| Assets per employee ($millions) | 2.2555% | 7,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4806% | 541 |
| Loan loss allowance to noncurrent loans | 20.4232% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 10.5988% | 291 |
| Noncurrent loans to loans | 17.0423% | 90 |
| Net loans and leases to total assets | 54.6545% | 4,925 |
| Net loans and leases to deposits | 61.0597% | 5,356 |
| Net loans and leases to core deposits | 63.6158% | 5,507 |
| Total domestic deposits to total assets | 89.5100% | 1,265 |
| Equity capital to assets | 10.3086% | 3,777 |
| Core capital (leverage) ratio | 10.1282% | 3,195 |
| Tier 1 risk-based capital ratio | 18.9303% | 1,916 |
| Total risk-based capital ratio | 20.2107% | 1,868 |
| Memoranda: | ||
| Average total assets | $76,797,600 | 5,543 |
| Average earning assets | $68,164,200 | 5,607 |
| Average equity | $7,841,200 | 5,618 |
| Average total loans | $44,161,600 | 5,510 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 4,840 |
| Cost of funding earning assets | 0.5914% | 6,319 |
| Net interest margin | 4.0167% | 2,846 |
| Noninterest income to average assets | 0.4204% | 4,512 |
| Noninterest expense to average assets | 3.8110% | 1,291 |
| Loan and lease loss provision to assets | 0.4738% | 2,095 |
| Net operating income to assets | -0.3187% | 6,516 |
| Return on assets (ROA) | -0.3187% | 6,569 |
| Pretax return on assets | -0.3187% | 6,509 |
| Return on Equity (ROE) | -3.1289% | 6,567 |
| Retained earnings to average equity (ytd only) | -3.1289% | 6,431 |
| Net charge-offs to loans | 2.5015% | 435 |
| Credit loss provision to net charge-offs | 32.8162% | 5,375 |
| Earnings coverage of net charge-offs (x) | 0.1074% | 5,521 |
| Efficiency ratio | 96.0904% | 816 |
| Assets per employee ($millions) | 2.3654% | 7,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8430% | 442 |
| Loan loss allowance to noncurrent loans | 21.8191% | 6,627 |
| Noncurrent assets plus other real estate owned to assets | 11.2685% | 265 |
| Noncurrent loans to loans | 17.6131% | 85 |
| Net loans and leases to total assets | 53.2104% | 5,290 |
| Net loans and leases to deposits | 59.2688% | 5,720 |
| Net loans and leases to core deposits | 61.8458% | 5,824 |
| Total domestic deposits to total assets | 89.7781% | 991 |
| Equity capital to assets | 10.0336% | 4,294 |
| Core capital (leverage) ratio | 10.1646% | 3,228 |
| Tier 1 risk-based capital ratio | 18.9687% | 1,948 |
| Total risk-based capital ratio | 20.2766% | 1,902 |
| Memoranda: | ||
| Average total assets | $77,388,750 | 5,563 |
| Average earning assets | $68,313,500 | 5,641 |
| Average equity | $7,883,250 | 5,635 |
| Average total loans | $44,665,000 | 5,533 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 3,967 |
| Cost of funding earning assets | 0.5943% | 6,490 |
| Net interest margin | 4.2335% | 1,904 |
| Noninterest income to average assets | 0.4251% | 4,467 |
| Noninterest expense to average assets | 3.7322% | 1,473 |
| Loan and lease loss provision to assets | 0.7128% | 1,318 |
| Net operating income to assets | -0.2721% | 6,536 |
| Return on assets (ROA) | -0.2721% | 6,566 |
| Pretax return on assets | -0.2721% | 6,511 |
| Return on Equity (ROE) | -2.6581% | 6,562 |
| Retained earnings to average equity (ytd only) | -2.6581% | 6,328 |
| Net charge-offs to loans | 2.1792% | 590 |
| Credit loss provision to net charge-offs | 55.8943% | 4,441 |
| Earnings coverage of net charge-offs (x) | 0.3455% | 5,052 |
| Efficiency ratio | 89.4410% | 1,280 |
| Assets per employee ($millions) | 2.3134% | 7,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5781% | 262 |
| Loan loss allowance to noncurrent loans | 22.4826% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 13.4708% | 191 |
| Noncurrent loans to loans | 20.3631% | 58 |
| Net loans and leases to total assets | 54.7398% | 5,190 |
| Net loans and leases to deposits | 61.1850% | 5,595 |
| Net loans and leases to core deposits | 63.6761% | 5,760 |
| Total domestic deposits to total assets | 89.4660% | 1,264 |
| Equity capital to assets | 10.3638% | 3,672 |
| Core capital (leverage) ratio | 10.3564% | 2,874 |
| Tier 1 risk-based capital ratio | 18.9450% | 1,867 |
| Total risk-based capital ratio | 20.2620% | 1,806 |
| Memoranda: | ||
| Average total assets | $77,165,670 | 5,616 |
| Average earning assets | $68,313,000 | 5,685 |
| Average equity | $7,900,330 | 5,646 |
| Average total loans | $45,155,000 | 5,549 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 4,346 |
| Cost of funding earning assets | 0.5994% | 6,618 |
| Net interest margin | 4.1375% | 2,127 |
| Noninterest income to average assets | 0.2836% | 5,643 |
| Noninterest expense to average assets | 3.7949% | 1,345 |
| Loan and lease loss provision to assets | 1.4179% | 464 |
| Net operating income to assets | -1.2633% | 7,122 |
| Return on assets (ROA) | -1.2633% | 7,128 |
| Pretax return on assets | -1.2633% | 7,084 |
| Return on Equity (ROE) | -12.4137% | 7,087 |
| Retained earnings to average equity (ytd only) | -12.4137% | 6,957 |
| Net charge-offs to loans | 4.2413% | 205 |
| Credit loss provision to net charge-offs | 56.5844% | 3,612 |
| Earnings coverage of net charge-offs (x) | 0.0617% | 4,545 |
| Efficiency ratio | 96.0836% | 916 |
| Assets per employee ($millions) | 2.4361% | 7,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4479% | 296 |
| Loan loss allowance to noncurrent loans | 21.2422% | 6,721 |
| Noncurrent assets plus other real estate owned to assets | 13.2386% | 204 |
| Noncurrent loans to loans | 20.9391% | 58 |
| Net loans and leases to total assets | 55.4186% | 5,092 |
| Net loans and leases to deposits | 61.7192% | 5,537 |
| Net loans and leases to core deposits | 63.6901% | 5,765 |
| Total domestic deposits to total assets | 89.7914% | 1,293 |
| Equity capital to assets | 9.9700% | 3,815 |
| Core capital (leverage) ratio | 10.1491% | 2,977 |
| Tier 1 risk-based capital ratio | 18.1432% | 2,072 |
| Total risk-based capital ratio | 19.4575% | 2,014 |
| Memoranda: | ||
| Average total assets | $77,577,000 | 5,655 |
| Average earning assets | $68,737,000 | 5,707 |
| Average equity | $7,894,500 | 5,646 |
| Average total loans | $45,835,000 | 5,567 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 3,794 |
| Cost of funding earning assets | 0.7345% | 6,781 |
| Net interest margin | 4.4276% | 1,406 |
| Noninterest income to average assets | 0.1542% | 6,619 |
| Noninterest expense to average assets | 3.6611% | 1,787 |
| Loan and lease loss provision to assets | 0.3792% | 3,842 |
| Net operating income to assets | 0.1604% | 5,403 |
| Return on assets (ROA) | 0.1604% | 5,563 |
| Pretax return on assets | 0.1604% | 5,571 |
| Return on Equity (ROE) | 1.6331% | 5,516 |
| Retained earnings to average equity (ytd only) | 1.6331% | 4,701 |
| Net charge-offs to loans | 0.6758% | 2,983 |
| Credit loss provision to net charge-offs | 91.0448% | 5,082 |
| Earnings coverage of net charge-offs (x) | 1.2955% | 4,805 |
| Efficiency ratio | 87.1560% | 1,559 |
| Assets per employee ($millions) | 2.3394% | 7,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7828% | 220 |
| Loan loss allowance to noncurrent loans | 22.6112% | 6,709 |
| Noncurrent assets plus other real estate owned to assets | 14.7189% | 176 |
| Noncurrent loans to loans | 21.1524% | 60 |
| Net loans and leases to total assets | 57.3005% | 5,139 |
| Net loans and leases to deposits | 64.0860% | 5,620 |
| Net loans and leases to core deposits | 66.1552% | 5,859 |
| Total domestic deposits to total assets | 89.4119% | 1,434 |
| Equity capital to assets | 10.3847% | 3,291 |
| Core capital (leverage) ratio | 10.2758% | 2,791 |
| Tier 1 risk-based capital ratio | 18.0028% | 1,999 |
| Total risk-based capital ratio | 19.3209% | 1,940 |
| Memoranda: | ||
| Average total assets | $80,440,400 | 5,582 |
| Average earning assets | $73,516,400 | 5,555 |
| Average equity | $7,899,000 | 5,751 |
| Average total loans | $49,568,400 | 5,501 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 2,509 |
| Cost of funding earning assets | 0.7653% | 6,864 |
| Net interest margin | 4.7167% | 805 |
| Noninterest income to average assets | 0.5612% | 3,707 |
| Noninterest expense to average assets | 3.6052% | 1,780 |
| Loan and lease loss provision to assets | 0.5005% | 2,957 |
| Net operating income to assets | 0.7844% | 3,064 |
| Return on assets (ROA) | 0.7844% | 3,229 |
| Pretax return on assets | 0.7844% | 3,970 |
| Return on Equity (ROE) | 8.0986% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.0986% | 1,392 |
| Net charge-offs to loans | 1.2659% | 1,610 |
| Credit loss provision to net charge-offs | 63.8075% | 5,595 |
| Earnings coverage of net charge-offs (x) | 1.6381% | 4,481 |
| Efficiency ratio | 73.7248% | 3,374 |
| Assets per employee ($millions) | 2.2888% | 7,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2302% | 304 |
| Loan loss allowance to noncurrent loans | 24.3474% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 12.6870% | 238 |
| Noncurrent loans to loans | 17.3744% | 114 |
| Net loans and leases to total assets | 60.5114% | 4,816 |
| Net loans and leases to deposits | 67.9264% | 5,429 |
| Net loans and leases to core deposits | 69.8343% | 5,766 |
| Total domestic deposits to total assets | 89.0838% | 1,349 |
| Equity capital to assets | 10.7504% | 3,226 |
| Core capital (leverage) ratio | 10.7311% | 2,486 |
| Tier 1 risk-based capital ratio | 17.9316% | 2,042 |
| Total risk-based capital ratio | 19.2412% | 1,989 |
| Memoranda: | ||
| Average total assets | $81,250,500 | 5,625 |
| Average earning assets | $74,570,250 | 5,587 |
| Average equity | $7,869,500 | 5,835 |
| Average total loans | $50,346,000 | 5,555 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4274% | 2,858 |
| Cost of funding earning assets | 0.8194% | 6,852 |
| Net interest margin | 4.6080% | 978 |
| Noninterest income to average assets | 0.5729% | 3,522 |
| Noninterest expense to average assets | 3.4371% | 2,175 |
| Loan and lease loss provision to assets | 0.5583% | 2,537 |
| Net operating income to assets | 0.8229% | 2,865 |
| Return on assets (ROA) | 0.8229% | 3,014 |
| Pretax return on assets | 0.8229% | 3,806 |
| Return on Equity (ROE) | 8.8006% | 2,552 |
| Retained earnings to average equity (ytd only) | 8.8006% | 1,178 |
| Net charge-offs to loans | 0.9145% | 2,003 |
| Credit loss provision to net charge-offs | 99.1379% | 4,143 |
| Earnings coverage of net charge-offs (x) | 2.4526% | 3,767 |
| Efficiency ratio | 71.3350% | 3,933 |
| Assets per employee ($millions) | 2.2226% | 7,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5242% | 248 |
| Loan loss allowance to noncurrent loans | 25.4582% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 13.0709% | 216 |
| Noncurrent loans to loans | 17.7709% | 116 |
| Net loans and leases to total assets | 61.0392% | 4,869 |
| Net loans and leases to deposits | 68.7661% | 5,446 |
| Net loans and leases to core deposits | 70.8036% | 5,794 |
| Total domestic deposits to total assets | 88.7635% | 1,562 |
| Equity capital to assets | 10.5758% | 3,315 |
| Core capital (leverage) ratio | 10.2219% | 2,913 |
| Tier 1 risk-based capital ratio | 17.6307% | 2,065 |
| Total risk-based capital ratio | 18.9443% | 2,008 |
| Memoranda: | ||
| Average total assets | $82,394,000 | 5,613 |
| Average earning assets | $75,911,000 | 5,583 |
| Average equity | $7,704,000 | 5,899 |
| Average total loans | $50,738,000 | 5,575 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2005% | 4,015 |
| Cost of funding earning assets | 0.9012% | 6,766 |
| Net interest margin | 4.2994% | 1,695 |
| Noninterest income to average assets | 0.5384% | 3,743 |
| Noninterest expense to average assets | 3.3674% | 2,317 |
| Loan and lease loss provision to assets | 0.4487% | 2,723 |
| Net operating income to assets | 0.7556% | 3,183 |
| Return on assets (ROA) | 0.7556% | 3,291 |
| Pretax return on assets | 0.7556% | 4,045 |
| Return on Equity (ROE) | 8.5993% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.5993% | 1,507 |
| Net charge-offs to loans | 0.7026% | 2,094 |
| Credit loss provision to net charge-offs | 105.5556% | 3,250 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 3,130 |
| Efficiency ratio | 73.6570% | 3,625 |
| Assets per employee ($millions) | 2.7102% | 6,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3997% | 275 |
| Loan loss allowance to noncurrent loans | 23.7130% | 6,815 |
| Noncurrent assets plus other real estate owned to assets | 11.9883% | 258 |
| Noncurrent loans to loans | 18.5540% | 97 |
| Net loans and leases to total assets | 58.3729% | 5,372 |
| Net loans and leases to deposits | 64.4535% | 6,008 |
| Net loans and leases to core deposits | 67.7582% | 6,125 |
| Total domestic deposits to total assets | 90.5660% | 708 |
| Equity capital to assets | 9.2210% | 4,964 |
| Core capital (leverage) ratio | 9.1456% | 4,305 |
| Tier 1 risk-based capital ratio | 16.2544% | 2,539 |
| Total risk-based capital ratio | 17.5468% | 2,493 |
| Memoranda: | ||
| Average total assets | $84,695,500 | 5,608 |
| Average earning assets | $79,453,500 | 5,527 |
| Average equity | $7,442,500 | 6,038 |
| Average total loans | $51,240,500 | 5,621 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8377% | 2,493 |
| Cost of funding earning assets | 1.1048% | 6,960 |
| Net interest margin | 4.7330% | 790 |
| Noninterest income to average assets | 0.4566% | 4,751 |
| Noninterest expense to average assets | 3.2612% | 3,151 |
| Loan and lease loss provision to assets | 2.3516% | 863 |
| Net operating income to assets | -0.7284% | 6,391 |
| Return on assets (ROA) | -0.7284% | 6,384 |
| Pretax return on assets | -0.7284% | 6,217 |
| Return on Equity (ROE) | -8.0978% | 6,474 |
| Retained earnings to average equity (ytd only) | -10.9671% | 6,594 |
| Net charge-offs to loans | 0.7321% | 3,000 |
| Credit loss provision to net charge-offs | 518.9873% | 588 |
| Earnings coverage of net charge-offs (x) | 3.5823% | 3,288 |
| Efficiency ratio | 66.7684% | 5,233 |
| Assets per employee ($millions) | 2.6680% | 6,914 |
| Cash dividends to net income (ytd only)* | -35.4331% | 7,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4000% | 272 |
| Loan loss allowance to noncurrent loans | 23.4681% | 6,883 |
| Noncurrent assets plus other real estate owned to assets | 12.0537% | 250 |
| Noncurrent loans to loans | 18.7488% | 86 |
| Net loans and leases to total assets | 57.3112% | 5,775 |
| Net loans and leases to deposits | 63.4688% | 6,329 |
| Net loans and leases to core deposits | 77.2229% | 6,322 |
| Total domestic deposits to total assets | 90.2982% | 837 |
| Equity capital to assets | 8.3607% | 6,112 |
| Core capital (leverage) ratio | 8.3345% | 5,551 |
| Tier 1 risk-based capital ratio | 13.2095% | 4,009 |
| Total risk-based capital ratio | 14.5123% | 3,921 |
| Memoranda: | ||
| Average total assets | $87,175,400 | 5,480 |
| Average earning assets | $81,555,600 | 5,405 |
| Average equity | $7,841,600 | 5,981 |
| Average total loans | $53,954,200 | 5,505 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2867% | 1,166 |
| Cost of funding earning assets | 1.1340% | 7,084 |
| Net interest margin | 5.1527% | 328 |
| Noninterest income to average assets | 0.6421% | 3,404 |
| Noninterest expense to average assets | 3.3003% | 2,922 |
| Loan and lease loss provision to assets | 1.8929% | 969 |
| Net operating income to assets | 0.2678% | 4,915 |
| Return on assets (ROA) | 0.2678% | 5,014 |
| Pretax return on assets | 0.2678% | 5,144 |
| Return on Equity (ROE) | 2.9268% | 4,822 |
| Retained earnings to average equity (ytd only) | -0.8148% | 5,441 |
| Net charge-offs to loans | 0.8735% | 2,223 |
| Credit loss provision to net charge-offs | 347.4860% | 1,181 |
| Earnings coverage of net charge-offs (x) | 3.9665% | 3,316 |
| Efficiency ratio | 60.4347% | 6,353 |
| Assets per employee ($millions) | 2.4994% | 7,226 |
| Cash dividends to net income (ytd only)* | 127.8403% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8037% | 789 |
| Loan loss allowance to noncurrent loans | 26.6679% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 7.5678% | 586 |
| Noncurrent loans to loans | 10.5135% | 363 |
| Net loans and leases to total assets | 60.4992% | 5,505 |
| Net loans and leases to deposits | 67.4269% | 6,176 |
| Net loans and leases to core deposits | 82.0188% | 6,186 |
| Total domestic deposits to total assets | 89.7256% | 877 |
| Equity capital to assets | 9.3542% | 4,948 |
| Core capital (leverage) ratio | 9.1218% | 4,456 |
| Tier 1 risk-based capital ratio | 14.0038% | 3,552 |
| Total risk-based capital ratio | 15.2705% | 3,492 |
| Memoranda: | ||
| Average total assets | $87,625,250 | 5,493 |
| Average earning assets | $81,948,750 | 5,424 |
| Average equity | $8,017,500 | 5,973 |
| Average total loans | $54,647,250 | 5,534 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2384% | 1,364 |
| Cost of funding earning assets | 1.1505% | 7,243 |
| Net interest margin | 5.0879% | 365 |
| Noninterest income to average assets | 0.6531% | 3,318 |
| Noninterest expense to average assets | 3.3602% | 2,755 |
| Loan and lease loss provision to assets | 1.6066% | 1,054 |
| Net operating income to assets | 0.4429% | 4,321 |
| Return on assets (ROA) | 0.4429% | 4,429 |
| Pretax return on assets | 0.4429% | 4,822 |
| Return on Equity (ROE) | 4.8754% | 4,132 |
| Retained earnings to average equity (ytd only) | -0.7214% | 5,405 |
| Net charge-offs to loans | 0.9705% | 1,799 |
| Credit loss provision to net charge-offs | 265.2985% | 1,754 |
| Earnings coverage of net charge-offs (x) | 3.3843% | 3,453 |
| Efficiency ratio | 62.1136% | 6,233 |
| Assets per employee ($millions) | 2.4475% | 7,350 |
| Cash dividends to net income (ytd only)* | 114.7959% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9191% | 1,744 |
| Loan loss allowance to noncurrent loans | 18.7658% | 7,197 |
| Noncurrent assets plus other real estate owned to assets | 7.2773% | 568 |
| Noncurrent loans to loans | 10.2268% | 338 |
| Net loans and leases to total assets | 60.3241% | 5,625 |
| Net loans and leases to deposits | 66.7693% | 6,323 |
| Net loans and leases to core deposits | 80.7153% | 6,341 |
| Total domestic deposits to total assets | 90.3472% | 685 |
| Equity capital to assets | 9.0433% | 5,251 |
| Core capital (leverage) ratio | 9.0015% | 4,628 |
| Tier 1 risk-based capital ratio | 13.6434% | 3,730 |
| Total risk-based capital ratio | 14.9002% | 3,653 |
| Memoranda: | ||
| Average total assets | $88,507,670 | 5,512 |
| Average earning assets | $82,745,330 | 5,444 |
| Average equity | $8,040,330 | 6,011 |
| Average total loans | $55,231,670 | 5,548 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6722% | 611 |
| Cost of funding earning assets | 1.1562% | 7,401 |
| Net interest margin | 5.5160% | 172 |
| Noninterest income to average assets | 0.6583% | 3,151 |
| Noninterest expense to average assets | 3.4631% | 2,195 |
| Loan and lease loss provision to assets | 0.6358% | 1,984 |
| Net operating income to assets | 1.7225% | 620 |
| Return on assets (ROA) | 1.7225% | 680 |
| Pretax return on assets | 1.7225% | 1,135 |
| Return on Equity (ROE) | 18.9191% | 513 |
| Retained earnings to average equity (ytd only) | 7.7756% | 1,899 |
| Net charge-offs to loans | 0.8179% | 1,586 |
| Credit loss provision to net charge-offs | 123.6842% | 3,208 |
| Earnings coverage of net charge-offs (x) | 4.5877% | 2,853 |
| Efficiency ratio | 59.4888% | 6,477 |
| Assets per employee ($millions) | 2.4097% | 7,442 |
| Cash dividends to net income (ytd only)* | 58.9005% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 5,287 |
| Loan loss allowance to noncurrent loans | 16.7471% | 7,327 |
| Noncurrent assets plus other real estate owned to assets | 5.1661% | 857 |
| Noncurrent loans to loans | 6.7229% | 622 |
| Net loans and leases to total assets | 61.5615% | 5,407 |
| Net loans and leases to deposits | 68.5103% | 6,129 |
| Net loans and leases to core deposits | 82.3190% | 6,211 |
| Total domestic deposits to total assets | 89.8573% | 865 |
| Equity capital to assets | 9.1467% | 5,155 |
| Core capital (leverage) ratio | 9.2310% | 4,362 |
| Tier 1 risk-based capital ratio | 13.6424% | 3,774 |
| Total risk-based capital ratio | 14.6879% | 3,822 |
| Memoranda: | ||
| Average total assets | $88,707,000 | 5,534 |
| Average earning assets | $83,031,500 | 5,458 |
| Average equity | $8,076,500 | 6,026 |
| Average total loans | $55,752,000 | 5,551 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5617% | 365 |
| Cost of funding earning assets | 1.4894% | 7,625 |
| Net interest margin | 6.0723% | 103 |
| Noninterest income to average assets | 0.6322% | 3,615 |
| Noninterest expense to average assets | 3.1193% | 3,618 |
| Loan and lease loss provision to assets | 0.9226% | 1,613 |
| Net operating income to assets | 2.3234% | 180 |
| Return on assets (ROA) | 2.3234% | 176 |
| Pretax return on assets | 2.3234% | 292 |
| Return on Equity (ROE) | 26.3484% | 108 |
| Retained earnings to average equity (ytd only) | 0.3467% | 5,034 |
| Net charge-offs to loans | 0.9493% | 1,304 |
| Credit loss provision to net charge-offs | 162.1881% | 3,186 |
| Earnings coverage of net charge-offs (x) | 5.7063% | 3,558 |
| Efficiency ratio | 49.0051% | 7,733 |
| Assets per employee ($millions) | 2.3225% | 7,529 |
| Cash dividends to net income (ytd only)* | 98.6842% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 5,497 |
| Loan loss allowance to noncurrent loans | 22.1236% | 7,139 |
| Noncurrent assets plus other real estate owned to assets | 4.0530% | 1,006 |
| Noncurrent loans to loans | 4.8275% | 937 |
| Net loans and leases to total assets | 62.7651% | 5,496 |
| Net loans and leases to deposits | 71.1466% | 6,149 |
| Net loans and leases to core deposits | 85.0488% | 6,205 |
| Total domestic deposits to total assets | 88.2195% | 1,374 |
| Equity capital to assets | 9.0623% | 5,278 |
| Core capital (leverage) ratio | 9.0875% | 4,611 |
| Tier 1 risk-based capital ratio | 13.2992% | 3,931 |
| Total risk-based capital ratio | 14.2936% | 3,993 |
| Memoranda: | ||
| Average total assets | $91,591,200 | 5,303 |
| Average earning assets | $86,475,000 | 5,206 |
| Average equity | $8,076,400 | 6,060 |
| Average total loans | $54,882,400 | 5,492 |