Home > Pineland Bank > Performance and Condition Ratios
Pineland Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2916% | 441 |
| Cost of funding earning assets | 0.8916% | 3,533 |
| Net interest margin | 5.4000% | 209 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 3.4841% | 585 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.5628% | 914 |
| Return on assets (ROA) | 1.5628% | 883 |
| Pretax return on assets | 2.0900% | 581 |
| Return on Equity (ROE) | 16.4300% | 1,030 |
| Retained earnings to average equity (ytd only) | 12.6620% | 551 |
| Net charge-offs to loans | -0.0046% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.1044% | 2,959 |
| Assets per employee ($millions) | 4.0975% | 4,126 |
| Cash dividends to net income (ytd only)* | 22.9288% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 1,066 |
| Loan loss allowance to noncurrent loans | 753.4247% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 2,530 |
| Noncurrent loans to loans | 0.1985% | 2,519 |
| Net loans and leases to total assets | 73.6900% | 1,399 |
| Net loans and leases to deposits | 82.2643% | 1,923 |
| Net loans and leases to core deposits | 91.2645% | 1,968 |
| Total domestic deposits to total assets | 89.5800% | 884 |
| Equity capital to assets | 9.5231% | 2,330 |
| Core capital (leverage) ratio | 9.7289% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $418,619,600 | 1,957 |
| Average earning assets | $399,388,200 | 1,911 |
| Average equity | $39,820,000 | 1,893 |
| Average total loans | $303,437,600 | 1,779 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1260% | 453 |
| Cost of funding earning assets | 0.7644% | 3,622 |
| Net interest margin | 5.3616% | 207 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 3.4599% | 580 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.6304% | 890 |
| Return on assets (ROA) | 1.6304% | 879 |
| Pretax return on assets | 2.1791% | 578 |
| Return on Equity (ROE) | 17.1500% | 1,054 |
| Retained earnings to average equity (ytd only) | 17.1456% | 381 |
| Net charge-offs to loans | 0.0036% | 2,379 |
| Credit loss provision to net charge-offs | 1,687.5000% | 279 |
| Earnings coverage of net charge-offs (x) | 859.8750% | 188 |
| Efficiency ratio | 60.8859% | 2,860 |
| Assets per employee ($millions) | 4.1706% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 1,218 |
| Loan loss allowance to noncurrent loans | 499.3385% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 2,204 |
| Noncurrent loans to loans | 0.2928% | 2,186 |
| Net loans and leases to total assets | 71.0600% | 1,688 |
| Net loans and leases to deposits | 79.6191% | 2,086 |
| Net loans and leases to core deposits | 85.1786% | 2,243 |
| Total domestic deposits to total assets | 89.2600% | 1,172 |
| Equity capital to assets | 9.7344% | 1,973 |
| Core capital (leverage) ratio | 10.0311% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $412,643,250 | 1,978 |
| Average earning assets | $393,701,500 | 1,931 |
| Average equity | $39,239,500 | 1,897 |
| Average total loans | $296,534,750 | 1,804 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9932% | 443 |
| Cost of funding earning assets | 0.6284% | 3,685 |
| Net interest margin | 5.3648% | 196 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 3.4717% | 554 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.6197% | 914 |
| Return on assets (ROA) | 1.6197% | 916 |
| Pretax return on assets | 2.1671% | 560 |
| Return on Equity (ROE) | 17.1800% | 1,067 |
| Retained earnings to average equity (ytd only) | 17.1753% | 387 |
| Net charge-offs to loans | 0.0075% | 1,943 |
| Credit loss provision to net charge-offs | 818.1818% | 472 |
| Earnings coverage of net charge-offs (x) | 409.0909% | 352 |
| Efficiency ratio | 61.0895% | 2,831 |
| Assets per employee ($millions) | 4.1100% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 1,133 |
| Loan loss allowance to noncurrent loans | 1,059.1017% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 2,834 |
| Noncurrent loans to loans | 0.1432% | 2,755 |
| Net loans and leases to total assets | 68.7400% | 1,876 |
| Net loans and leases to deposits | 76.5854% | 2,250 |
| Net loans and leases to core deposits | 80.1241% | 2,465 |
| Total domestic deposits to total assets | 89.7500% | 994 |
| Equity capital to assets | 9.4641% | 2,177 |
| Core capital (leverage) ratio | 10.0494% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $407,001,333 | 1,990 |
| Average earning assets | $388,305,667 | 1,951 |
| Average equity | $38,380,667 | 1,925 |
| Average total loans | $292,113,333 | 1,813 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8618% | 385 |
| Cost of funding earning assets | 0.5126% | 3,646 |
| Net interest margin | 5.3492% | 185 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 3.5754% | 495 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.5505% | 1,078 |
| Return on assets (ROA) | 1.5505% | 1,070 |
| Pretax return on assets | 2.0871% | 671 |
| Return on Equity (ROE) | 16.4700% | 1,267 |
| Retained earnings to average equity (ytd only) | 16.4735% | 644 |
| Net charge-offs to loans | 0.0151% | 1,397 |
| Credit loss provision to net charge-offs | 381.8182% | 618 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 516 |
| Efficiency ratio | 62.6758% | 2,613 |
| Assets per employee ($millions) | 3.9188% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 1,159 |
| Loan loss allowance to noncurrent loans | 550.9317% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 2,138 |
| Noncurrent loans to loans | 0.2787% | 2,144 |
| Net loans and leases to total assets | 70.4500% | 1,578 |
| Net loans and leases to deposits | 78.5584% | 1,922 |
| Net loans and leases to core deposits | 81.2715% | 2,160 |
| Total domestic deposits to total assets | 89.6800% | 1,269 |
| Equity capital to assets | 9.5196% | 2,127 |
| Core capital (leverage) ratio | 9.6296% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $398,838,500 | 2,045 |
| Average earning assets | $380,770,500 | 1,994 |
| Average equity | $37,539,000 | 1,979 |
| Average total loans | $290,439,500 | 1,831 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6544% | 555 |
| Cost of funding earning assets | 0.1874% | 3,855 |
| Net interest margin | 4.4670% | 313 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 3.4211% | 536 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9886% | 2,610 |
| Return on assets (ROA) | 0.9886% | 2,560 |
| Pretax return on assets | 1.3115% | 2,050 |
| Return on Equity (ROE) | 11.1900% | 2,409 |
| Retained earnings to average equity (ytd only) | 7.0067% | 2,241 |
| Net charge-offs to loans | -0.0157% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.9304% | 1,573 |
| Assets per employee ($millions) | 3.8632% | 4,326 |
| Cash dividends to net income (ytd only)* | 37.3692% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 1,178 |
| Loan loss allowance to noncurrent loans | 2,366.1290% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 3,338 |
| Noncurrent loans to loans | 0.0637% | 3,288 |
| Net loans and leases to total assets | 73.0100% | 1,312 |
| Net loans and leases to deposits | 81.0077% | 1,694 |
| Net loans and leases to core deposits | 83.0486% | 1,932 |
| Total domestic deposits to total assets | 90.1200% | 1,307 |
| Equity capital to assets | 9.3020% | 2,153 |
| Core capital (leverage) ratio | 9.2910% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $406,037,800 | 2,006 |
| Average earning assets | $384,238,200 | 1,968 |
| Average equity | $35,879,800 | 2,073 |
| Average total loans | $281,012,200 | 1,810 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 602 |
| Cost of funding earning assets | 0.1577% | 3,754 |
| Net interest margin | 4.2273% | 393 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 3.3476% | 556 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.8791% | 2,969 |
| Return on assets (ROA) | 0.8791% | 2,939 |
| Pretax return on assets | 1.1464% | 2,570 |
| Return on Equity (ROE) | 10.0800% | 2,699 |
| Retained earnings to average equity (ytd only) | 10.0765% | 1,322 |
| Net charge-offs to loans | -0.0307% | 4,140 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.7853% | 1,412 |
| Assets per employee ($millions) | 4.0467% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 1,255 |
| Loan loss allowance to noncurrent loans | 1,696.1240% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 3,256 |
| Noncurrent loans to loans | 0.0893% | 3,240 |
| Net loans and leases to total assets | 69.6200% | 1,512 |
| Net loans and leases to deposits | 76.9733% | 1,798 |
| Net loans and leases to core deposits | 78.4256% | 2,007 |
| Total domestic deposits to total assets | 90.4500% | 1,453 |
| Equity capital to assets | 8.9751% | 2,231 |
| Core capital (leverage) ratio | 8.9635% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9792% | 2,060 |
| Memoranda: | ||
| Average total assets | $409,036,000 | 2,010 |
| Average earning assets | $386,426,750 | 1,976 |
| Average equity | $35,686,250 | 2,114 |
| Average total loans | $278,244,500 | 1,817 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 789 |
| Cost of funding earning assets | 0.1579% | 3,482 |
| Net interest margin | 3.9281% | 580 |
| Noninterest income to average assets | 0.6311% | 1,613 |
| Noninterest expense to average assets | 3.2023% | 626 |
| Loan and lease loss provision to assets | 0.1188% | 844 |
| Net operating income to assets | 0.7851% | 3,011 |
| Return on assets (ROA) | 0.7851% | 2,980 |
| Pretax return on assets | 1.0060% | 2,707 |
| Return on Equity (ROE) | 9.0853% | 2,671 |
| Retained earnings to average equity (ytd only) | 9.0853% | 1,260 |
| Net charge-offs to loans | -0.0459% | 4,207 |
| Credit loss provision to net charge-offs | -385.7143% | 3,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0059% | 1,503 |
| Assets per employee ($millions) | 4.0770% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 1,384 |
| Loan loss allowance to noncurrent loans | 150.2274% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 723 |
| Noncurrent loans to loans | 1.0036% | 833 |
| Net loans and leases to total assets | 66.1745% | 1,670 |
| Net loans and leases to deposits | 72.6748% | 1,982 |
| Net loans and leases to core deposits | 74.2867% | 2,148 |
| Total domestic deposits to total assets | 91.0555% | 1,204 |
| Equity capital to assets | 8.4544% | 2,796 |
| Core capital (leverage) ratio | 8.8836% | 3,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $409,142,000 | 2,015 |
| Average earning assets | $384,974,667 | 2,005 |
| Average equity | $35,354,000 | 2,185 |
| Average total loans | $274,678,000 | 1,830 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9225% | 888 |
| Cost of funding earning assets | 0.1594% | 3,386 |
| Net interest margin | 3.7631% | 674 |
| Noninterest income to average assets | 0.5496% | 1,897 |
| Noninterest expense to average assets | 3.1655% | 632 |
| Loan and lease loss provision to assets | 0.0727% | 1,138 |
| Net operating income to assets | 0.6572% | 3,206 |
| Return on assets (ROA) | 0.6572% | 3,182 |
| Pretax return on assets | 0.8374% | 2,987 |
| Return on Equity (ROE) | 7.5198% | 2,864 |
| Retained earnings to average equity (ytd only) | 7.5198% | 1,727 |
| Net charge-offs to loans | -0.0964% | 4,447 |
| Credit loss provision to net charge-offs | -112.3077% | 2,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6692% | 1,343 |
| Assets per employee ($millions) | 4.0108% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 1,511 |
| Loan loss allowance to noncurrent loans | 128.8077% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8554% | 631 |
| Noncurrent loans to loans | 1.1754% | 753 |
| Net loans and leases to total assets | 66.2744% | 1,383 |
| Net loans and leases to deposits | 72.9676% | 1,700 |
| Net loans and leases to core deposits | 74.9204% | 1,858 |
| Total domestic deposits to total assets | 90.8272% | 1,123 |
| Equity capital to assets | 8.7004% | 2,973 |
| Core capital (leverage) ratio | 8.8884% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $401,710,500 | 2,048 |
| Average earning assets | $376,394,000 | 2,042 |
| Average equity | $35,107,500 | 2,249 |
| Average total loans | $269,578,000 | 1,840 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2584% | 909 |
| Cost of funding earning assets | 0.1831% | 3,624 |
| Net interest margin | 4.0753% | 621 |
| Noninterest income to average assets | 1.0188% | 965 |
| Noninterest expense to average assets | 3.3579% | 582 |
| Loan and lease loss provision to assets | 0.1066% | 1,187 |
| Net operating income to assets | 1.0252% | 2,577 |
| Return on assets (ROA) | 1.0715% | 2,479 |
| Pretax return on assets | 1.3731% | 2,128 |
| Return on Equity (ROE) | 11.6582% | 1,928 |
| Retained earnings to average equity (ytd only) | 7.3103% | 1,805 |
| Net charge-offs to loans | 0.0616% | 1,163 |
| Credit loss provision to net charge-offs | 254.7771% | 1,155 |
| Earnings coverage of net charge-offs (x) | 33.9745% | 1,527 |
| Efficiency ratio | 70.2642% | 1,704 |
| Assets per employee ($millions) | 3.9833% | 4,430 |
| Cash dividends to net income (ytd only)* | 37.2949% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,571 |
| Loan loss allowance to noncurrent loans | 149.6811% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 782 |
| Noncurrent loans to loans | 0.9998% | 988 |
| Net loans and leases to total assets | 65.9173% | 1,479 |
| Net loans and leases to deposits | 72.5479% | 1,863 |
| Net loans and leases to core deposits | 74.6237% | 2,027 |
| Total domestic deposits to total assets | 90.8604% | 547 |
| Equity capital to assets | 8.7793% | 3,826 |
| Core capital (leverage) ratio | 8.8240% | 3,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,351,000 | 2,087 |
| Average earning assets | $346,326,800 | 2,099 |
| Average equity | $34,499,400 | 2,313 |
| Average total loans | $254,730,200 | 1,903 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3228% | 921 |
| Cost of funding earning assets | 0.1886% | 3,723 |
| Net interest margin | 4.1342% | 613 |
| Noninterest income to average assets | 1.1843% | 814 |
| Noninterest expense to average assets | 3.3949% | 539 |
| Loan and lease loss provision to assets | 0.1310% | 881 |
| Net operating income to assets | 1.1324% | 2,429 |
| Return on assets (ROA) | 1.1789% | 2,294 |
| Pretax return on assets | 1.5133% | 1,961 |
| Return on Equity (ROE) | 12.6732% | 1,812 |
| Retained earnings to average equity (ytd only) | 12.6732% | 692 |
| Net charge-offs to loans | 0.0763% | 900 |
| Credit loss provision to net charge-offs | 252.0833% | 1,093 |
| Earnings coverage of net charge-offs (x) | 30.5208% | 1,514 |
| Efficiency ratio | 68.1660% | 1,800 |
| Assets per employee ($millions) | 4.0098% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 1,701 |
| Loan loss allowance to noncurrent loans | 144.7080% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.8217% | 860 |
| Noncurrent loans to loans | 1.0245% | 1,116 |
| Net loans and leases to total assets | 67.7387% | 1,350 |
| Net loans and leases to deposits | 75.0313% | 1,758 |
| Net loans and leases to core deposits | 77.1035% | 1,955 |
| Total domestic deposits to total assets | 90.2805% | 640 |
| Equity capital to assets | 9.2063% | 3,650 |
| Core capital (leverage) ratio | 9.2424% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $369,605,250 | 2,126 |
| Average earning assets | $339,370,500 | 2,155 |
| Average equity | $34,381,500 | 2,349 |
| Average total loans | $251,772,750 | 1,949 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4331% | 816 |
| Cost of funding earning assets | 0.1953% | 3,802 |
| Net interest margin | 4.2378% | 546 |
| Noninterest income to average assets | 1.2733% | 718 |
| Noninterest expense to average assets | 3.4134% | 523 |
| Loan and lease loss provision to assets | 0.1790% | 642 |
| Net operating income to assets | 1.2101% | 2,154 |
| Return on assets (ROA) | 1.2810% | 1,996 |
| Pretax return on assets | 1.6428% | 1,629 |
| Return on Equity (ROE) | 13.7203% | 1,502 |
| Retained earnings to average equity (ytd only) | 13.7203% | 596 |
| Net charge-offs to loans | 0.1168% | 663 |
| Credit loss provision to net charge-offs | 225.6944% | 995 |
| Earnings coverage of net charge-offs (x) | 21.8403% | 1,499 |
| Efficiency ratio | 66.3384% | 2,100 |
| Assets per employee ($millions) | 3.8402% | 4,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 1,487 |
| Loan loss allowance to noncurrent loans | 144.6942% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.8388% | 931 |
| Noncurrent loans to loans | 1.0581% | 1,155 |
| Net loans and leases to total assets | 66.4339% | 1,643 |
| Net loans and leases to deposits | 73.5132% | 2,047 |
| Net loans and leases to core deposits | 75.3258% | 2,303 |
| Total domestic deposits to total assets | 90.3700% | 614 |
| Equity capital to assets | 9.1695% | 3,633 |
| Core capital (leverage) ratio | 9.3645% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $363,156,333 | 2,142 |
| Average earning assets | $331,822,333 | 2,184 |
| Average equity | $33,906,000 | 2,360 |
| Average total loans | $246,551,667 | 1,989 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 742 |
| Cost of funding earning assets | 0.2148% | 3,775 |
| Net interest margin | 4.3154% | 505 |
| Noninterest income to average assets | 1.4629% | 629 |
| Noninterest expense to average assets | 3.2900% | 621 |
| Loan and lease loss provision to assets | 0.0993% | 1,359 |
| Net operating income to assets | 1.5528% | 1,209 |
| Return on assets (ROA) | 1.5813% | 1,216 |
| Pretax return on assets | 2.0302% | 906 |
| Return on Equity (ROE) | 16.7759% | 883 |
| Retained earnings to average equity (ytd only) | 16.7759% | 444 |
| Net charge-offs to loans | 0.0033% | 1,808 |
| Credit loss provision to net charge-offs | 4,400.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 928.0000% | 104 |
| Efficiency ratio | 61.1146% | 2,893 |
| Assets per employee ($millions) | 3.7890% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 1,352 |
| Loan loss allowance to noncurrent loans | 100.9218% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.1291% | 685 |
| Noncurrent loans to loans | 1.5634% | 782 |
| Net loans and leases to total assets | 65.7154% | 1,826 |
| Net loans and leases to deposits | 73.0277% | 2,211 |
| Net loans and leases to core deposits | 74.4882% | 2,469 |
| Total domestic deposits to total assets | 89.9869% | 829 |
| Equity capital to assets | 9.3695% | 3,311 |
| Core capital (leverage) ratio | 9.7764% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $354,647,000 | 2,163 |
| Average earning assets | $322,192,500 | 2,210 |
| Average equity | $33,429,000 | 2,380 |
| Average total loans | $241,581,500 | 2,016 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 623 |
| Cost of funding earning assets | 0.3615% | 3,813 |
| Net interest margin | 4.5175% | 319 |
| Noninterest income to average assets | 0.5824% | 2,292 |
| Noninterest expense to average assets | 3.7695% | 477 |
| Loan and lease loss provision to assets | 0.3168% | 1,173 |
| Net operating income to assets | 0.5676% | 3,852 |
| Return on assets (ROA) | 0.6093% | 3,841 |
| Pretax return on assets | 0.7731% | 3,696 |
| Return on Equity (ROE) | 6.0128% | 3,584 |
| Retained earnings to average equity (ytd only) | 2.9817% | 3,367 |
| Net charge-offs to loans | 0.1891% | 898 |
| Credit loss provision to net charge-offs | 235.4988% | 1,991 |
| Earnings coverage of net charge-offs (x) | 7.7100% | 2,670 |
| Efficiency ratio | 78.4221% | 1,003 |
| Assets per employee ($millions) | 3.5624% | 4,626 |
| Cash dividends to net income (ytd only)* | 50.4098% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5589% | 1,400 |
| Loan loss allowance to noncurrent loans | 98.5012% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.1946% | 729 |
| Noncurrent loans to loans | 1.5826% | 835 |
| Net loans and leases to total assets | 68.4559% | 1,769 |
| Net loans and leases to deposits | 76.1490% | 2,267 |
| Net loans and leases to core deposits | 77.6248% | 2,585 |
| Total domestic deposits to total assets | 89.8973% | 607 |
| Equity capital to assets | 9.4854% | 3,629 |
| Core capital (leverage) ratio | 9.4359% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,386,400 | 2,191 |
| Average earning assets | $299,591,000 | 2,183 |
| Average equity | $32,464,200 | 2,360 |
| Average total loans | $227,872,600 | 2,048 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0715% | 533 |
| Cost of funding earning assets | 0.3906% | 3,856 |
| Net interest margin | 4.6809% | 266 |
| Noninterest income to average assets | 0.5714% | 2,298 |
| Noninterest expense to average assets | 3.8624% | 427 |
| Loan and lease loss provision to assets | 0.3989% | 887 |
| Net operating income to assets | 0.5818% | 3,825 |
| Return on assets (ROA) | 0.6384% | 3,762 |
| Pretax return on assets | 0.8120% | 3,615 |
| Return on Equity (ROE) | 6.1918% | 3,482 |
| Retained earnings to average equity (ytd only) | 6.1918% | 2,021 |
| Net charge-offs to loans | 0.1631% | 904 |
| Credit loss provision to net charge-offs | 341.8182% | 1,633 |
| Earnings coverage of net charge-offs (x) | 9.7600% | 2,406 |
| Efficiency ratio | 77.2214% | 1,106 |
| Assets per employee ($millions) | 3.2752% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5912% | 1,125 |
| Loan loss allowance to noncurrent loans | 105.6015% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 1.1638% | 880 |
| Noncurrent loans to loans | 1.5068% | 948 |
| Net loans and leases to total assets | 69.4860% | 2,028 |
| Net loans and leases to deposits | 77.6349% | 2,569 |
| Net loans and leases to core deposits | 79.3712% | 2,898 |
| Total domestic deposits to total assets | 89.5035% | 585 |
| Equity capital to assets | 9.7649% | 3,466 |
| Core capital (leverage) ratio | 9.6962% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,095,250 | 2,201 |
| Average earning assets | $297,288,250 | 2,169 |
| Average equity | $32,386,000 | 2,351 |
| Average total loans | $224,766,750 | 2,069 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4065% | 400 |
| Cost of funding earning assets | 0.4349% | 3,874 |
| Net interest margin | 4.9717% | 218 |
| Noninterest income to average assets | 0.6093% | 2,096 |
| Noninterest expense to average assets | 4.0117% | 400 |
| Loan and lease loss provision to assets | 0.5373% | 631 |
| Net operating income to assets | 0.5684% | 3,835 |
| Return on assets (ROA) | 0.6558% | 3,652 |
| Pretax return on assets | 0.8675% | 3,407 |
| Return on Equity (ROE) | 6.2379% | 3,423 |
| Retained earnings to average equity (ytd only) | 6.2379% | 1,965 |
| Net charge-offs to loans | 0.2396% | 656 |
| Credit loss provision to net charge-offs | 311.7871% | 1,589 |
| Earnings coverage of net charge-offs (x) | 7.5095% | 2,359 |
| Efficiency ratio | 75.6113% | 1,299 |
| Assets per employee ($millions) | 3.0973% | 4,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 1,035 |
| Loan loss allowance to noncurrent loans | 107.7659% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.1309% | 998 |
| Noncurrent loans to loans | 1.4739% | 1,032 |
| Net loans and leases to total assets | 68.2505% | 2,309 |
| Net loans and leases to deposits | 76.1980% | 2,839 |
| Net loans and leases to core deposits | 78.0121% | 3,103 |
| Total domestic deposits to total assets | 89.5699% | 545 |
| Equity capital to assets | 9.6956% | 3,483 |
| Core capital (leverage) ratio | 10.1674% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,254,667 | 2,221 |
| Average earning assets | $288,354,667 | 2,197 |
| Average equity | $32,094,333 | 2,356 |
| Average total loans | $219,519,667 | 2,085 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2761% | 579 |
| Cost of funding earning assets | 0.5121% | 3,882 |
| Net interest margin | 4.7640% | 294 |
| Noninterest income to average assets | 0.6794% | 1,731 |
| Noninterest expense to average assets | 4.3144% | 363 |
| Loan and lease loss provision to assets | 0.1245% | 2,143 |
| Net operating income to assets | 0.5522% | 3,731 |
| Return on assets (ROA) | 0.6669% | 3,449 |
| Pretax return on assets | 0.8787% | 3,194 |
| Return on Equity (ROE) | 6.0677% | 3,294 |
| Retained earnings to average equity (ytd only) | 6.0677% | 1,843 |
| Net charge-offs to loans | 0.1489% | 862 |
| Credit loss provision to net charge-offs | 113.9241% | 1,734 |
| Earnings coverage of net charge-offs (x) | 7.8481% | 1,895 |
| Efficiency ratio | 83.4136% | 872 |
| Assets per employee ($millions) | 2.6118% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 1,441 |
| Loan loss allowance to noncurrent loans | 110.7467% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 1,151 |
| Noncurrent loans to loans | 1.3288% | 1,219 |
| Net loans and leases to total assets | 73.2990% | 1,725 |
| Net loans and leases to deposits | 83.0407% | 2,330 |
| Net loans and leases to core deposits | 85.6431% | 2,712 |
| Total domestic deposits to total assets | 88.2688% | 990 |
| Equity capital to assets | 11.0148% | 2,842 |
| Core capital (leverage) ratio | 11.2386% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,078,000 | 2,272 |
| Average earning assets | $272,627,000 | 2,243 |
| Average equity | $31,775,000 | 2,363 |
| Average total loans | $212,210,500 | 2,111 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5563% | 509 |
| Cost of funding earning assets | 0.5599% | 3,826 |
| Net interest margin | 4.9963% | 276 |
| Noninterest income to average assets | 0.6194% | 2,132 |
| Noninterest expense to average assets | 4.1758% | 435 |
| Loan and lease loss provision to assets | 0.1387% | 1,538 |
| Net operating income to assets | 0.7703% | 3,644 |
| Return on assets (ROA) | 0.7714% | 3,719 |
| Pretax return on assets | 1.0214% | 3,412 |
| Return on Equity (ROE) | 7.0339% | 3,538 |
| Retained earnings to average equity (ytd only) | 3.8323% | 3,055 |
| Net charge-offs to loans | 0.0883% | 1,853 |
| Credit loss provision to net charge-offs | 217.0330% | 1,218 |
| Earnings coverage of net charge-offs (x) | 18.1319% | 2,073 |
| Efficiency ratio | 78.2795% | 1,118 |
| Assets per employee ($millions) | 2.6689% | 4,952 |
| Cash dividends to net income (ytd only)* | 45.5166% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,180 |
| Loan loss allowance to noncurrent loans | 131.0945% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.9936% | 1,254 |
| Noncurrent loans to loans | 1.1555% | 1,309 |
| Net loans and leases to total assets | 71.3223% | 2,202 |
| Net loans and leases to deposits | 80.7386% | 2,693 |
| Net loans and leases to core deposits | 83.1583% | 3,029 |
| Total domestic deposits to total assets | 88.3374% | 968 |
| Equity capital to assets | 10.9688% | 3,030 |
| Core capital (leverage) ratio | 10.9544% | 2,539 |
| Tier 1 risk-based capital ratio | 14.9354% | 2,808 |
| Total risk-based capital ratio | 16.1884% | 2,747 |
| Memoranda: | ||
| Average total assets | $284,810,000 | 2,251 |
| Average earning assets | $268,778,000 | 2,218 |
| Average equity | $31,234,600 | 2,330 |
| Average total loans | $206,045,400 | 2,121 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5829% | 512 |
| Cost of funding earning assets | 0.5574% | 3,887 |
| Net interest margin | 5.0255% | 273 |
| Noninterest income to average assets | 0.7053% | 1,761 |
| Noninterest expense to average assets | 4.2189% | 403 |
| Loan and lease loss provision to assets | 0.1385% | 1,394 |
| Net operating income to assets | 0.8179% | 3,612 |
| Return on assets (ROA) | 0.8194% | 3,691 |
| Pretax return on assets | 1.0870% | 3,335 |
| Return on Equity (ROE) | 7.4717% | 3,519 |
| Retained earnings to average equity (ytd only) | 7.4717% | 1,641 |
| Net charge-offs to loans | 0.1039% | 1,433 |
| Credit loss provision to net charge-offs | 184.3750% | 1,407 |
| Earnings coverage of net charge-offs (x) | 16.2873% | 2,146 |
| Efficiency ratio | 77.5170% | 1,151 |
| Assets per employee ($millions) | 2.7435% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 1,308 |
| Loan loss allowance to noncurrent loans | 128.9298% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.2164% | 1,037 |
| Noncurrent loans to loans | 1.1470% | 1,379 |
| Net loans and leases to total assets | 71.3211% | 2,276 |
| Net loans and leases to deposits | 81.0236% | 2,801 |
| Net loans and leases to core deposits | 83.4246% | 3,139 |
| Total domestic deposits to total assets | 88.0251% | 1,027 |
| Equity capital to assets | 11.1546% | 2,963 |
| Core capital (leverage) ratio | 11.1744% | 2,490 |
| Tier 1 risk-based capital ratio | 14.9154% | 2,894 |
| Total risk-based capital ratio | 16.1676% | 2,821 |
| Memoranda: | ||
| Average total assets | $283,951,250 | 2,271 |
| Average earning assets | $267,666,500 | 2,242 |
| Average equity | $31,139,000 | 2,353 |
| Average total loans | $205,370,500 | 2,142 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5811% | 486 |
| Cost of funding earning assets | 0.5340% | 3,958 |
| Net interest margin | 5.0471% | 260 |
| Noninterest income to average assets | 0.6844% | 1,780 |
| Noninterest expense to average assets | 4.2523% | 384 |
| Loan and lease loss provision to assets | 0.1274% | 1,466 |
| Net operating income to assets | 0.8018% | 3,646 |
| Return on assets (ROA) | 0.8040% | 3,700 |
| Pretax return on assets | 1.0638% | 3,341 |
| Return on Equity (ROE) | 7.3748% | 3,541 |
| Retained earnings to average equity (ytd only) | 7.3748% | 1,665 |
| Net charge-offs to loans | 0.1214% | 1,221 |
| Credit loss provision to net charge-offs | 145.1613% | 1,530 |
| Earnings coverage of net charge-offs (x) | 13.5403% | 2,093 |
| Efficiency ratio | 78.1579% | 1,129 |
| Assets per employee ($millions) | 2.8314% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 1,493 |
| Loan loss allowance to noncurrent loans | 178.2325% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 1.0869% | 1,256 |
| Noncurrent loans to loans | 0.8020% | 1,989 |
| Net loans and leases to total assets | 71.7545% | 2,243 |
| Net loans and leases to deposits | 81.1527% | 2,826 |
| Net loans and leases to core deposits | 83.4552% | 3,156 |
| Total domestic deposits to total assets | 88.4191% | 911 |
| Equity capital to assets | 10.9122% | 3,163 |
| Core capital (leverage) ratio | 11.1661% | 2,444 |
| Tier 1 risk-based capital ratio | 14.3775% | 3,130 |
| Total risk-based capital ratio | 15.6290% | 3,045 |
| Memoranda: | ||
| Average total assets | $282,578,670 | 2,282 |
| Average earning assets | $266,290,000 | 2,255 |
| Average equity | $30,807,670 | 2,364 |
| Average total loans | $204,314,670 | 2,156 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5694% | 456 |
| Cost of funding earning assets | 0.5037% | 4,041 |
| Net interest margin | 5.0657% | 257 |
| Noninterest income to average assets | 0.7071% | 1,586 |
| Noninterest expense to average assets | 4.2681% | 371 |
| Loan and lease loss provision to assets | 0.1288% | 1,356 |
| Net operating income to assets | 0.8158% | 3,565 |
| Return on assets (ROA) | 0.8158% | 3,603 |
| Pretax return on assets | 1.0892% | 3,182 |
| Return on Equity (ROE) | 7.4867% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.4867% | 1,852 |
| Net charge-offs to loans | 0.0675% | 1,380 |
| Credit loss provision to net charge-offs | 264.7059% | 895 |
| Earnings coverage of net charge-offs (x) | 25.0294% | 1,440 |
| Efficiency ratio | 77.7981% | 1,288 |
| Assets per employee ($millions) | 2.7421% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 1,354 |
| Loan loss allowance to noncurrent loans | 420.8683% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 1,770 |
| Noncurrent loans to loans | 0.3552% | 3,306 |
| Net loans and leases to total assets | 69.4360% | 2,562 |
| Net loans and leases to deposits | 78.3491% | 3,025 |
| Net loans and leases to core deposits | 79.9969% | 3,374 |
| Total domestic deposits to total assets | 88.6238% | 1,024 |
| Equity capital to assets | 10.7983% | 3,052 |
| Core capital (leverage) ratio | 11.1975% | 2,395 |
| Tier 1 risk-based capital ratio | 14.3825% | 3,155 |
| Total risk-based capital ratio | 15.6341% | 3,079 |
| Memoranda: | ||
| Average total assets | $279,466,000 | 2,318 |
| Average earning assets | $263,656,500 | 2,293 |
| Average equity | $30,454,000 | 2,388 |
| Average total loans | $201,354,500 | 2,199 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2389% | 652 |
| Cost of funding earning assets | 0.3038% | 4,560 |
| Net interest margin | 4.9351% | 302 |
| Noninterest income to average assets | 0.5999% | 2,291 |
| Noninterest expense to average assets | 4.3697% | 337 |
| Loan and lease loss provision to assets | 0.0735% | 2,664 |
| Net operating income to assets | 0.6021% | 4,415 |
| Return on assets (ROA) | 0.6021% | 4,421 |
| Pretax return on assets | 0.7840% | 4,213 |
| Return on Equity (ROE) | 5.6174% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.6174% | 2,407 |
| Net charge-offs to loans | 0.0113% | 3,301 |
| Credit loss provision to net charge-offs | 952.3810% | 386 |
| Earnings coverage of net charge-offs (x) | 111.0952% | 687 |
| Efficiency ratio | 83.5947% | 682 |
| Assets per employee ($millions) | 2.6072% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 1,409 |
| Loan loss allowance to noncurrent loans | 191.3692% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1978% | 1,092 |
| Noncurrent loans to loans | 0.7640% | 2,091 |
| Net loans and leases to total assets | 72.5976% | 2,157 |
| Net loans and leases to deposits | 82.0586% | 2,721 |
| Net loans and leases to core deposits | 83.8541% | 3,108 |
| Total domestic deposits to total assets | 88.4704% | 1,083 |
| Equity capital to assets | 11.0003% | 2,687 |
| Core capital (leverage) ratio | 11.0889% | 2,450 |
| Tier 1 risk-based capital ratio | 14.1041% | 3,241 |
| Total risk-based capital ratio | 15.3555% | 3,177 |
| Memoranda: | ||
| Average total assets | $272,055,000 | 2,315 |
| Average earning assets | $255,090,800 | 2,301 |
| Average equity | $29,159,400 | 2,386 |
| Average total loans | $186,361,200 | 2,281 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1394% | 703 |
| Cost of funding earning assets | 0.2622% | 4,717 |
| Net interest margin | 4.8772% | 328 |
| Noninterest income to average assets | 0.5522% | 2,557 |
| Noninterest expense to average assets | 4.3524% | 341 |
| Loan and lease loss provision to assets | 0.0614% | 2,750 |
| Net operating income to assets | 0.5291% | 4,696 |
| Return on assets (ROA) | 0.5291% | 4,701 |
| Pretax return on assets | 0.7034% | 4,526 |
| Return on Equity (ROE) | 4.9698% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.9698% | 3,255 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0552% | 574 |
| Assets per employee ($millions) | 2.6367% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 1,249 |
| Loan loss allowance to noncurrent loans | 516.0428% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 1.2009% | 1,162 |
| Noncurrent loans to loans | 0.2970% | 3,614 |
| Net loans and leases to total assets | 67.8386% | 2,971 |
| Net loans and leases to deposits | 76.7096% | 3,351 |
| Net loans and leases to core deposits | 78.0537% | 3,650 |
| Total domestic deposits to total assets | 88.4357% | 1,075 |
| Equity capital to assets | 10.7350% | 2,909 |
| Core capital (leverage) ratio | 10.8207% | 2,772 |
| Tier 1 risk-based capital ratio | 14.2513% | 3,243 |
| Total risk-based capital ratio | 15.5032% | 3,159 |
| Memoranda: | ||
| Average total assets | $271,629,500 | 2,329 |
| Average earning assets | $254,240,250 | 2,321 |
| Average equity | $28,920,750 | 2,409 |
| Average total loans | $182,529,000 | 2,330 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0135% | 790 |
| Cost of funding earning assets | 0.2236% | 4,895 |
| Net interest margin | 4.7898% | 367 |
| Noninterest income to average assets | 0.4978% | 2,881 |
| Noninterest expense to average assets | 4.3750% | 332 |
| Loan and lease loss provision to assets | 0.0923% | 2,073 |
| Net operating income to assets | 0.3811% | 4,992 |
| Return on assets (ROA) | 0.3811% | 4,996 |
| Pretax return on assets | 0.5074% | 4,891 |
| Return on Equity (ROE) | 3.5897% | 4,907 |
| Retained earnings to average equity (ytd only) | 3.5897% | 3,804 |
| Net charge-offs to loans | 0.0155% | 2,623 |
| Credit loss provision to net charge-offs | 892.8571% | 457 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 1,020 |
| Efficiency ratio | 87.9436% | 471 |
| Assets per employee ($millions) | 2.5873% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 1,146 |
| Loan loss allowance to noncurrent loans | 507.2183% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 1.5677% | 828 |
| Noncurrent loans to loans | 0.3128% | 3,585 |
| Net loans and leases to total assets | 64.5559% | 3,335 |
| Net loans and leases to deposits | 72.6947% | 3,660 |
| Net loans and leases to core deposits | 74.5801% | 3,839 |
| Total domestic deposits to total assets | 88.8042% | 1,012 |
| Equity capital to assets | 10.4394% | 3,175 |
| Core capital (leverage) ratio | 10.8783% | 2,633 |
| Tier 1 risk-based capital ratio | 14.2003% | 3,267 |
| Total risk-based capital ratio | 15.4522% | 3,179 |
| Memoranda: | ||
| Average total assets | $270,768,000 | 2,345 |
| Average earning assets | $253,077,000 | 2,336 |
| Average equity | $28,748,670 | 2,429 |
| Average total loans | $180,399,330 | 2,353 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 695 |
| Cost of funding earning assets | 0.2112% | 4,949 |
| Net interest margin | 4.7931% | 350 |
| Noninterest income to average assets | 0.6843% | 1,896 |
| Noninterest expense to average assets | 4.1952% | 411 |
| Loan and lease loss provision to assets | 0.1121% | 1,684 |
| Net operating income to assets | 0.6424% | 4,304 |
| Return on assets (ROA) | 0.6424% | 4,316 |
| Pretax return on assets | 0.8531% | 4,002 |
| Return on Equity (ROE) | 5.9987% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.9987% | 2,704 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2970% | 1,022 |
| Assets per employee ($millions) | 2.7139% | 5,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 1,219 |
| Loan loss allowance to noncurrent loans | 88.3266% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 2.3940% | 400 |
| Noncurrent loans to loans | 1.7831% | 948 |
| Net loans and leases to total assets | 66.1754% | 3,010 |
| Net loans and leases to deposits | 74.5541% | 3,361 |
| Net loans and leases to core deposits | 76.5434% | 3,620 |
| Total domestic deposits to total assets | 88.7616% | 1,226 |
| Equity capital to assets | 10.7311% | 2,842 |
| Core capital (leverage) ratio | 10.9333% | 2,508 |
| Tier 1 risk-based capital ratio | 14.2285% | 3,263 |
| Total risk-based capital ratio | 15.4803% | 3,184 |
| Memoranda: | ||
| Average total assets | $267,734,000 | 2,384 |
| Average earning assets | $250,027,000 | 2,377 |
| Average equity | $28,673,000 | 2,454 |
| Average total loans | $179,801,500 | 2,363 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9220% | 764 |
| Cost of funding earning assets | 0.2449% | 4,610 |
| Net interest margin | 4.6772% | 439 |
| Noninterest income to average assets | 0.7852% | 1,630 |
| Noninterest expense to average assets | 3.9620% | 563 |
| Loan and lease loss provision to assets | 0.2867% | 612 |
| Net operating income to assets | 0.5275% | 4,302 |
| Return on assets (ROA) | 0.5275% | 4,333 |
| Pretax return on assets | 0.8350% | 4,142 |
| Return on Equity (ROE) | 5.2095% | 4,084 |
| Retained earnings to average equity (ytd only) | 3.2630% | 3,348 |
| Net charge-offs to loans | 0.5364% | 437 |
| Credit loss provision to net charge-offs | 82.9876% | 2,899 |
| Earnings coverage of net charge-offs (x) | 3.2469% | 3,637 |
| Efficiency ratio | 77.9360% | 1,364 |
| Assets per employee ($millions) | 2.7504% | 5,360 |
| Cash dividends to net income (ytd only)* | 37.3641% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 1,280 |
| Loan loss allowance to noncurrent loans | 159.7463% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 1.9303% | 603 |
| Noncurrent loans to loans | 0.9689% | 1,823 |
| Net loans and leases to total assets | 66.0405% | 3,092 |
| Net loans and leases to deposits | 74.3873% | 3,490 |
| Net loans and leases to core deposits | 76.5504% | 3,700 |
| Total domestic deposits to total assets | 88.7792% | 1,104 |
| Equity capital to assets | 10.6878% | 2,954 |
| Core capital (leverage) ratio | 10.4593% | 2,891 |
| Tier 1 risk-based capital ratio | 13.8328% | 3,456 |
| Total risk-based capital ratio | 15.0842% | 3,365 |
| Memoranda: | ||
| Average total assets | $279,051,200 | 2,296 |
| Average earning assets | $256,458,400 | 2,309 |
| Average equity | $28,255,800 | 2,476 |
| Average total loans | $179,723,000 | 2,335 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 955 |
| Cost of funding earning assets | 0.2493% | 4,571 |
| Net interest margin | 4.5336% | 560 |
| Noninterest income to average assets | 0.8290% | 1,479 |
| Noninterest expense to average assets | 3.8664% | 623 |
| Loan and lease loss provision to assets | 0.3545% | 414 |
| Net operating income to assets | 0.4821% | 4,783 |
| Return on assets (ROA) | 0.4821% | 4,823 |
| Pretax return on assets | 0.7600% | 4,452 |
| Return on Equity (ROE) | 4.8241% | 4,596 |
| Retained earnings to average equity (ytd only) | 4.8241% | 3,006 |
| Net charge-offs to loans | 0.6499% | 305 |
| Credit loss provision to net charge-offs | 85.5188% | 2,513 |
| Earnings coverage of net charge-offs (x) | 2.6887% | 3,432 |
| Efficiency ratio | 77.6260% | 1,378 |
| Assets per employee ($millions) | 2.9293% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 1,271 |
| Loan loss allowance to noncurrent loans | 158.4086% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 2.0781% | 607 |
| Noncurrent loans to loans | 1.0015% | 1,935 |
| Net loans and leases to total assets | 63.2395% | 3,521 |
| Net loans and leases to deposits | 70.9753% | 3,878 |
| Net loans and leases to core deposits | 73.0414% | 4,054 |
| Total domestic deposits to total assets | 89.1008% | 829 |
| Equity capital to assets | 10.4195% | 3,453 |
| Core capital (leverage) ratio | 10.2960% | 3,208 |
| Tier 1 risk-based capital ratio | 14.1931% | 3,354 |
| Total risk-based capital ratio | 15.4448% | 3,257 |
| Memoranda: | ||
| Average total assets | $282,116,250 | 2,291 |
| Average earning assets | $258,358,250 | 2,304 |
| Average equity | $28,191,250 | 2,495 |
| Average total loans | $179,913,750 | 2,338 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7649% | 935 |
| Cost of funding earning assets | 0.2539% | 4,507 |
| Net interest margin | 4.5110% | 558 |
| Noninterest income to average assets | 0.9389% | 1,155 |
| Noninterest expense to average assets | 3.7782% | 685 |
| Loan and lease loss provision to assets | 0.4747% | 252 |
| Net operating income to assets | 0.5120% | 4,677 |
| Return on assets (ROA) | 0.5120% | 4,711 |
| Pretax return on assets | 0.7968% | 4,287 |
| Return on Equity (ROE) | 5.1954% | 4,395 |
| Retained earnings to average equity (ytd only) | 5.1954% | 2,583 |
| Net charge-offs to loans | 0.9651% | 204 |
| Credit loss provision to net charge-offs | 77.3196% | 2,292 |
| Earnings coverage of net charge-offs (x) | 2.0710% | 3,210 |
| Efficiency ratio | 74.8189% | 1,878 |
| Assets per employee ($millions) | 3.0038% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 1,484 |
| Loan loss allowance to noncurrent loans | 140.4517% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 2.1365% | 571 |
| Noncurrent loans to loans | 1.0887% | 1,799 |
| Net loans and leases to total assets | 61.1019% | 3,736 |
| Net loans and leases to deposits | 68.1284% | 4,064 |
| Net loans and leases to core deposits | 70.3069% | 4,204 |
| Total domestic deposits to total assets | 89.6865% | 651 |
| Equity capital to assets | 9.8523% | 4,086 |
| Core capital (leverage) ratio | 9.8674% | 3,696 |
| Tier 1 risk-based capital ratio | 13.5301% | 3,687 |
| Total risk-based capital ratio | 14.7818% | 3,600 |
| Memoranda: | ||
| Average total assets | $284,371,670 | 2,283 |
| Average earning assets | $259,143,330 | 2,307 |
| Average equity | $28,025,000 | 2,502 |
| Average total loans | $180,906,000 | 2,332 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 803 |
| Cost of funding earning assets | 0.2706% | 4,352 |
| Net interest margin | 4.4980% | 525 |
| Noninterest income to average assets | 0.5624% | 2,593 |
| Noninterest expense to average assets | 3.7454% | 728 |
| Loan and lease loss provision to assets | 0.1062% | 1,798 |
| Net operating income to assets | 0.4958% | 4,615 |
| Return on assets (ROA) | 0.4958% | 4,635 |
| Pretax return on assets | 0.7607% | 4,245 |
| Return on Equity (ROE) | 5.0302% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.0302% | 2,874 |
| Net charge-offs to loans | 0.0462% | 1,927 |
| Credit loss provision to net charge-offs | 357.1429% | 706 |
| Earnings coverage of net charge-offs (x) | 29.1429% | 1,236 |
| Efficiency ratio | 81.2039% | 1,237 |
| Assets per employee ($millions) | 2.9376% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6241% | 1,322 |
| Loan loss allowance to noncurrent loans | 78.6937% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 3.2541% | 284 |
| Noncurrent loans to loans | 2.0639% | 853 |
| Net loans and leases to total assets | 64.1771% | 3,252 |
| Net loans and leases to deposits | 71.4576% | 3,661 |
| Net loans and leases to core deposits | 73.6339% | 3,867 |
| Total domestic deposits to total assets | 89.8114% | 742 |
| Equity capital to assets | 9.9386% | 3,832 |
| Core capital (leverage) ratio | 9.8993% | 3,626 |
| Tier 1 risk-based capital ratio | 13.6310% | 3,697 |
| Total risk-based capital ratio | 14.8836% | 3,606 |
| Memoranda: | ||
| Average total assets | $282,373,000 | 2,310 |
| Average earning assets | $254,245,000 | 2,364 |
| Average equity | $27,832,000 | 2,526 |
| Average total loans | $181,891,500 | 2,345 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 1,347 |
| Cost of funding earning assets | 0.3337% | 3,707 |
| Net interest margin | 4.2397% | 1,035 |
| Noninterest income to average assets | 0.9430% | 1,288 |
| Noninterest expense to average assets | 4.1255% | 517 |
| Loan and lease loss provision to assets | 0.0935% | 2,487 |
| Net operating income to assets | 0.3918% | 4,970 |
| Return on assets (ROA) | 0.3918% | 5,053 |
| Pretax return on assets | 0.5368% | 4,955 |
| Return on Equity (ROE) | 4.0176% | 4,829 |
| Retained earnings to average equity (ytd only) | 1.5984% | 4,620 |
| Net charge-offs to loans | 0.0348% | 3,333 |
| Credit loss provision to net charge-offs | 434.4262% | 734 |
| Earnings coverage of net charge-offs (x) | 29.2951% | 1,451 |
| Efficiency ratio | 86.7482% | 766 |
| Assets per employee ($millions) | 2.9148% | 5,415 |
| Cash dividends to net income (ytd only)* | 60.2160% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 1,298 |
| Loan loss allowance to noncurrent loans | 95.9764% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 3.0520% | 325 |
| Noncurrent loans to loans | 1.7001% | 1,138 |
| Net loans and leases to total assets | 62.5584% | 3,536 |
| Net loans and leases to deposits | 69.5842% | 3,948 |
| Net loans and leases to core deposits | 71.9134% | 4,089 |
| Total domestic deposits to total assets | 89.9032% | 679 |
| Equity capital to assets | 9.7746% | 3,977 |
| Core capital (leverage) ratio | 9.6350% | 3,923 |
| Tier 1 risk-based capital ratio | 13.6948% | 3,655 |
| Total risk-based capital ratio | 14.9471% | 3,560 |
| Memoranda: | ||
| Average total assets | $283,553,400 | 2,260 |
| Average earning assets | $254,994,400 | 2,319 |
| Average equity | $27,653,400 | 2,527 |
| Average total loans | $175,298,200 | 2,354 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6720% | 1,128 |
| Cost of funding earning assets | 0.3442% | 3,610 |
| Net interest margin | 4.3278% | 880 |
| Noninterest income to average assets | 0.8063% | 1,740 |
| Noninterest expense to average assets | 3.9436% | 634 |
| Loan and lease loss provision to assets | 0.0258% | 3,724 |
| Net operating income to assets | 0.4586% | 4,841 |
| Return on assets (ROA) | 0.4586% | 4,920 |
| Pretax return on assets | 0.7184% | 4,561 |
| Return on Equity (ROE) | 4.7050% | 4,641 |
| Retained earnings to average equity (ytd only) | 1.4799% | 4,922 |
| Net charge-offs to loans | 0.0773% | 2,215 |
| Credit loss provision to net charge-offs | 54.4554% | 2,978 |
| Earnings coverage of net charge-offs (x) | 15.6836% | 2,167 |
| Efficiency ratio | 84.1235% | 990 |
| Assets per employee ($millions) | 2.9531% | 5,424 |
| Cash dividends to net income (ytd only)* | 68.5453% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 1,835 |
| Loan loss allowance to noncurrent loans | 158.3481% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 2.6839% | 481 |
| Noncurrent loans to loans | 0.9354% | 2,375 |
| Net loans and leases to total assets | 62.3258% | 3,610 |
| Net loans and leases to deposits | 69.3219% | 4,039 |
| Net loans and leases to core deposits | 71.5329% | 4,197 |
| Total domestic deposits to total assets | 89.9078% | 520 |
| Equity capital to assets | 9.6492% | 4,514 |
| Core capital (leverage) ratio | 9.5058% | 4,175 |
| Tier 1 risk-based capital ratio | 13.4810% | 3,870 |
| Total risk-based capital ratio | 14.7322% | 3,781 |
| Memoranda: | ||
| Average total assets | $283,758,250 | 2,266 |
| Average earning assets | $254,502,500 | 2,335 |
| Average equity | $27,657,750 | 2,547 |
| Average total loans | $174,170,750 | 2,375 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 914 |
| Cost of funding earning assets | 0.3725% | 3,334 |
| Net interest margin | 4.4113% | 748 |
| Noninterest income to average assets | 0.5120% | 3,111 |
| Noninterest expense to average assets | 3.4756% | 1,209 |
| Loan and lease loss provision to assets | 0.0226% | 3,677 |
| Net operating income to assets | 0.5954% | 4,292 |
| Return on assets (ROA) | 0.5954% | 4,414 |
| Pretax return on assets | 0.9405% | 3,802 |
| Return on Equity (ROE) | 6.2815% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.2815% | 1,966 |
| Net charge-offs to loans | 0.0298% | 2,878 |
| Credit loss provision to net charge-offs | 125.0000% | 1,802 |
| Earnings coverage of net charge-offs (x) | 53.3750% | 955 |
| Efficiency ratio | 78.3028% | 1,742 |
| Assets per employee ($millions) | 3.5701% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,829 |
| Loan loss allowance to noncurrent loans | 204.7739% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 2.6397% | 499 |
| Noncurrent loans to loans | 0.7366% | 2,897 |
| Net loans and leases to total assets | 59.6271% | 3,931 |
| Net loans and leases to deposits | 66.2027% | 4,333 |
| Net loans and leases to core deposits | 68.3812% | 4,445 |
| Total domestic deposits to total assets | 90.0676% | 466 |
| Equity capital to assets | 9.5638% | 4,702 |
| Core capital (leverage) ratio | 9.7337% | 3,889 |
| Tier 1 risk-based capital ratio | 13.5674% | 3,858 |
| Total risk-based capital ratio | 14.8184% | 3,778 |
| Memoranda: | ||
| Average total assets | $88,674,330 | 4,645 |
| Average earning assets | $78,933,330 | 4,677 |
| Average equity | $8,405,670 | 4,941 |
| Average total loans | $53,627,330 | 4,536 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2525% | 383 |
| Cost of funding earning assets | 0.3763% | 3,339 |
| Net interest margin | 4.8762% | 325 |
| Noninterest income to average assets | 0.5929% | 2,575 |
| Noninterest expense to average assets | 3.5345% | 1,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8870% | 2,822 |
| Return on assets (ROA) | 0.8870% | 2,944 |
| Pretax return on assets | 1.3984% | 1,909 |
| Return on Equity (ROE) | 9.3999% | 2,241 |
| Retained earnings to average equity (ytd only) | 9.3999% | 1,003 |
| Net charge-offs to loans | 0.0674% | 1,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 34.3333% | 1,101 |
| Efficiency ratio | 71.6514% | 2,849 |
| Assets per employee ($millions) | 3.4889% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 2,025 |
| Loan loss allowance to noncurrent loans | 138.8601% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 2.9683% | 425 |
| Noncurrent loans to loans | 1.0740% | 2,245 |
| Net loans and leases to total assets | 60.8876% | 3,664 |
| Net loans and leases to deposits | 67.6690% | 4,092 |
| Net loans and leases to core deposits | 69.4885% | 4,275 |
| Total domestic deposits to total assets | 89.9786% | 608 |
| Equity capital to assets | 9.6947% | 4,453 |
| Core capital (leverage) ratio | 9.5294% | 4,133 |
| Tier 1 risk-based capital ratio | 13.6306% | 3,911 |
| Total risk-based capital ratio | 14.8814% | 3,840 |
| Memoranda: | ||
| Average total assets | $88,385,000 | 4,688 |
| Average earning assets | $78,667,500 | 4,734 |
| Average equity | $8,340,500 | 4,990 |
| Average total loans | $53,424,000 | 4,575 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2530% | 2,379 |
| Cost of funding earning assets | 0.3695% | 3,493 |
| Net interest margin | 3.8835% | 2,083 |
| Noninterest income to average assets | 0.5504% | 3,009 |
| Noninterest expense to average assets | 3.6424% | 1,053 |
| Loan and lease loss provision to assets | 0.0351% | 3,644 |
| Net operating income to assets | 0.3926% | 5,076 |
| Return on assets (ROA) | 0.3926% | 5,155 |
| Pretax return on assets | 0.3482% | 5,426 |
| Return on Equity (ROE) | 4.2099% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.2099% | 2,989 |
| Net charge-offs to loans | 0.3488% | 852 |
| Credit loss provision to net charge-offs | 16.7598% | 3,771 |
| Earnings coverage of net charge-offs (x) | 1.8324% | 4,023 |
| Efficiency ratio | 90.4790% | 660 |
| Assets per employee ($millions) | 3.5819% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 1,840 |
| Loan loss allowance to noncurrent loans | 75.3475% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 3.8940% | 271 |
| Noncurrent loans to loans | 2.0383% | 1,014 |
| Net loans and leases to total assets | 58.2074% | 4,054 |
| Net loans and leases to deposits | 64.2518% | 4,451 |
| Net loans and leases to core deposits | 65.7106% | 4,616 |
| Total domestic deposits to total assets | 90.5926% | 409 |
| Equity capital to assets | 9.1851% | 4,932 |
| Core capital (leverage) ratio | 9.1241% | 4,722 |
| Tier 1 risk-based capital ratio | 13.3548% | 4,076 |
| Total risk-based capital ratio | 14.6062% | 4,022 |
| Memoranda: | ||
| Average total assets | $85,576,400 | 4,753 |
| Average earning assets | $76,580,800 | 4,797 |
| Average equity | $7,981,200 | 5,070 |
| Average total loans | $51,326,000 | 4,627 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2648% | 2,350 |
| Cost of funding earning assets | 0.3674% | 3,578 |
| Net interest margin | 3.8974% | 2,042 |
| Noninterest income to average assets | 0.4902% | 3,436 |
| Noninterest expense to average assets | 3.7122% | 958 |
| Loan and lease loss provision to assets | 0.0473% | 3,257 |
| Net operating income to assets | 0.1466% | 5,781 |
| Return on assets (ROA) | 0.1466% | 5,828 |
| Pretax return on assets | 0.2254% | 5,755 |
| Return on Equity (ROE) | 1.5656% | 5,761 |
| Retained earnings to average equity (ytd only) | 1.5656% | 5,081 |
| Net charge-offs to loans | 0.2252% | 1,161 |
| Credit loss provision to net charge-offs | 34.8837% | 3,219 |
| Earnings coverage of net charge-offs (x) | 2.0117% | 3,745 |
| Efficiency ratio | 93.1566% | 516 |
| Assets per employee ($millions) | 3.4482% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7287% | 1,410 |
| Loan loss allowance to noncurrent loans | 67.8144% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 5.0263% | 195 |
| Noncurrent loans to loans | 2.5491% | 792 |
| Net loans and leases to total assets | 59.7453% | 3,910 |
| Net loans and leases to deposits | 66.0409% | 4,382 |
| Net loans and leases to core deposits | 67.5994% | 4,575 |
| Total domestic deposits to total assets | 90.4670% | 397 |
| Equity capital to assets | 9.2755% | 5,028 |
| Core capital (leverage) ratio | 9.0449% | 4,943 |
| Tier 1 risk-based capital ratio | 12.9742% | 4,436 |
| Total risk-based capital ratio | 14.2270% | 4,364 |
| Memoranda: | ||
| Average total assets | $84,583,750 | 4,833 |
| Average earning assets | $75,844,250 | 4,871 |
| Average equity | $7,920,250 | 5,141 |
| Average total loans | $50,923,500 | 4,682 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2243% | 2,457 |
| Cost of funding earning assets | 0.3637% | 3,663 |
| Net interest margin | 3.8606% | 2,104 |
| Noninterest income to average assets | 0.4950% | 3,414 |
| Noninterest expense to average assets | 3.7314% | 951 |
| Loan and lease loss provision to assets | 0.0714% | 2,685 |
| Net operating income to assets | 0.1166% | 5,851 |
| Return on assets (ROA) | 0.1166% | 5,900 |
| Pretax return on assets | 0.1785% | 5,848 |
| Return on Equity (ROE) | 1.2413% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.2413% | 5,060 |
| Net charge-offs to loans | 0.3530% | 748 |
| Credit loss provision to net charge-offs | 33.7079% | 2,884 |
| Earnings coverage of net charge-offs (x) | 1.1798% | 3,563 |
| Efficiency ratio | 93.7238% | 538 |
| Assets per employee ($millions) | 3.4657% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 1,521 |
| Loan loss allowance to noncurrent loans | 50.6734% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 5.4085% | 187 |
| Noncurrent loans to loans | 3.4370% | 521 |
| Net loans and leases to total assets | 58.7983% | 4,003 |
| Net loans and leases to deposits | 64.8861% | 4,452 |
| Net loans and leases to core deposits | 66.4060% | 4,619 |
| Total domestic deposits to total assets | 90.6177% | 412 |
| Equity capital to assets | 9.1364% | 5,097 |
| Core capital (leverage) ratio | 9.3073% | 4,540 |
| Tier 1 risk-based capital ratio | 13.0594% | 4,484 |
| Total risk-based capital ratio | 14.3125% | 4,396 |
| Memoranda: | ||
| Average total assets | $84,043,000 | 4,895 |
| Average earning assets | $75,895,000 | 4,926 |
| Average equity | $7,895,000 | 5,192 |
| Average total loans | $50,428,000 | 4,738 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1906% | 2,495 |
| Cost of funding earning assets | 0.3589% | 3,763 |
| Net interest margin | 3.8317% | 2,125 |
| Noninterest income to average assets | 0.5753% | 2,801 |
| Noninterest expense to average assets | 3.4468% | 1,411 |
| Loan and lease loss provision to assets | 0.1450% | 1,405 |
| Net operating income to assets | 0.3142% | 5,364 |
| Return on assets (ROA) | 0.3142% | 5,468 |
| Pretax return on assets | 0.4931% | 5,195 |
| Return on Equity (ROE) | 3.2976% | 5,252 |
| Retained earnings to average equity (ytd only) | 3.2976% | 4,005 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3787% | 1,333 |
| Assets per employee ($millions) | 3.2118% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 1,079 |
| Loan loss allowance to noncurrent loans | 78.4190% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 5.7420% | 189 |
| Noncurrent loans to loans | 2.5505% | 949 |
| Net loans and leases to total assets | 58.2064% | 3,914 |
| Net loans and leases to deposits | 64.5554% | 4,310 |
| Net loans and leases to core deposits | 66.1338% | 4,506 |
| Total domestic deposits to total assets | 90.1650% | 670 |
| Equity capital to assets | 9.5129% | 4,737 |
| Core capital (leverage) ratio | 9.5102% | 4,260 |
| Tier 1 risk-based capital ratio | 13.6474% | 4,251 |
| Total risk-based capital ratio | 14.9029% | 4,153 |
| Memoranda: | ||
| Average total assets | $82,743,500 | 4,965 |
| Average earning assets | $75,788,000 | 4,975 |
| Average equity | $7,884,500 | 5,239 |
| Average total loans | $49,718,500 | 4,793 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 3,553 |
| Cost of funding earning assets | 0.3827% | 3,878 |
| Net interest margin | 3.6588% | 3,187 |
| Noninterest income to average assets | 0.8007% | 1,874 |
| Noninterest expense to average assets | 3.9281% | 826 |
| Loan and lease loss provision to assets | 0.1531% | 1,718 |
| Net operating income to assets | 0.0283% | 6,058 |
| Return on assets (ROA) | 0.0283% | 6,077 |
| Pretax return on assets | 0.0518% | 6,042 |
| Return on Equity (ROE) | 0.3088% | 6,070 |
| Retained earnings to average equity (ytd only) | 0.3088% | 5,640 |
| Net charge-offs to loans | 0.9745% | 318 |
| Credit loss provision to net charge-offs | 26.2626% | 3,901 |
| Earnings coverage of net charge-offs (x) | 0.3515% | 4,655 |
| Efficiency ratio | 95.0427% | 543 |
| Assets per employee ($millions) | 3.2792% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9303% | 1,237 |
| Loan loss allowance to noncurrent loans | 34.1135% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 5.9283% | 202 |
| Noncurrent loans to loans | 5.6583% | 218 |
| Net loans and leases to total assets | 59.6201% | 3,837 |
| Net loans and leases to deposits | 66.1130% | 4,311 |
| Net loans and leases to core deposits | 68.0298% | 4,500 |
| Total domestic deposits to total assets | 90.1792% | 659 |
| Equity capital to assets | 9.5451% | 4,664 |
| Core capital (leverage) ratio | 9.2131% | 4,662 |
| Tier 1 risk-based capital ratio | 13.8873% | 4,176 |
| Total risk-based capital ratio | 15.1433% | 4,113 |
| Memoranda: | ||
| Average total assets | $84,927,600 | 4,944 |
| Average earning assets | $77,348,200 | 4,943 |
| Average equity | $7,771,000 | 5,256 |
| Average total loans | $50,797,400 | 4,790 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 3,683 |
| Cost of funding earning assets | 0.3856% | 3,951 |
| Net interest margin | 3.6352% | 3,290 |
| Noninterest income to average assets | 0.8436% | 1,731 |
| Noninterest expense to average assets | 3.8739% | 881 |
| Loan and lease loss provision to assets | 0.2023% | 1,168 |
| Net operating income to assets | 0.0482% | 6,090 |
| Return on assets (ROA) | 0.0482% | 6,117 |
| Pretax return on assets | 0.0685% | 6,097 |
| Return on Equity (ROE) | 0.5328% | 6,095 |
| Retained earnings to average equity (ytd only) | 0.5328% | 5,650 |
| Net charge-offs to loans | 0.4467% | 883 |
| Credit loss provision to net charge-offs | 76.0234% | 2,670 |
| Earnings coverage of net charge-offs (x) | 1.0175% | 4,257 |
| Efficiency ratio | 93.4660% | 626 |
| Assets per employee ($millions) | 3.3975% | 5,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4671% | 671 |
| Loan loss allowance to noncurrent loans | 32.3034% | 5,659 |
| Noncurrent assets plus other real estate owned to assets | 7.7351% | 140 |
| Noncurrent loans to loans | 7.6374% | 134 |
| Net loans and leases to total assets | 59.8542% | 3,813 |
| Net loans and leases to deposits | 66.1492% | 4,311 |
| Net loans and leases to core deposits | 67.9893% | 4,511 |
| Total domestic deposits to total assets | 90.4836% | 535 |
| Equity capital to assets | 9.1938% | 5,153 |
| Core capital (leverage) ratio | 9.0130% | 5,054 |
| Tier 1 risk-based capital ratio | 12.9908% | 4,871 |
| Total risk-based capital ratio | 14.2528% | 4,789 |
| Memoranda: | ||
| Average total assets | $85,664,750 | 4,980 |
| Average earning assets | $77,792,750 | 4,984 |
| Average equity | $7,757,500 | 5,300 |
| Average total loans | $51,037,250 | 4,829 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 4,090 |
| Cost of funding earning assets | 0.3910% | 3,986 |
| Net interest margin | 3.5219% | 3,690 |
| Noninterest income to average assets | 0.9359% | 1,378 |
| Noninterest expense to average assets | 3.9485% | 804 |
| Loan and lease loss provision to assets | 0.1746% | 1,400 |
| Net operating income to assets | 0.0047% | 6,182 |
| Return on assets (ROA) | 0.0047% | 6,204 |
| Pretax return on assets | 0.0000% | 6,195 |
| Return on Equity (ROE) | 0.0517% | 6,201 |
| Retained earnings to average equity (ytd only) | 0.0517% | 5,657 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7651% | 567 |
| Assets per employee ($millions) | 3.4738% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7141% | 525 |
| Loan loss allowance to noncurrent loans | 32.2521% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 8.0006% | 137 |
| Noncurrent loans to loans | 8.4151% | 115 |
| Net loans and leases to total assets | 57.8681% | 4,010 |
| Net loans and leases to deposits | 63.8313% | 4,519 |
| Net loans and leases to core deposits | 64.8862% | 4,735 |
| Total domestic deposits to total assets | 90.6580% | 524 |
| Equity capital to assets | 8.9551% | 5,351 |
| Core capital (leverage) ratio | 8.7491% | 5,342 |
| Tier 1 risk-based capital ratio | 12.7833% | 5,049 |
| Total risk-based capital ratio | 14.0475% | 4,978 |
| Memoranda: | ||
| Average total assets | $85,907,000 | 5,021 |
| Average earning assets | $77,742,000 | 5,025 |
| Average equity | $7,740,330 | 5,331 |
| Average total loans | $50,674,670 | 4,877 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8960% | 4,099 |
| Cost of funding earning assets | 0.3953% | 4,030 |
| Net interest margin | 3.5007% | 3,688 |
| Noninterest income to average assets | 0.8614% | 1,515 |
| Noninterest expense to average assets | 4.0497% | 714 |
| Loan and lease loss provision to assets | 0.1405% | 1,731 |
| Net operating income to assets | -0.1077% | 6,290 |
| Return on assets (ROA) | -0.1077% | 6,301 |
| Pretax return on assets | -0.1779% | 6,331 |
| Return on Equity (ROE) | -1.1914% | 6,313 |
| Retained earnings to average equity (ytd only) | -1.1914% | 5,761 |
| Net charge-offs to loans | 0.0558% | 2,603 |
| Credit loss provision to net charge-offs | 428.5714% | 614 |
| Earnings coverage of net charge-offs (x) | -1.1429% | 3,517 |
| Efficiency ratio | 100.9335% | 444 |
| Assets per employee ($millions) | 3.4394% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7061% | 619 |
| Loan loss allowance to noncurrent loans | 32.1276% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 8.8562% | 135 |
| Noncurrent loans to loans | 8.4229% | 146 |
| Net loans and leases to total assets | 56.4494% | 4,087 |
| Net loans and leases to deposits | 62.2434% | 4,522 |
| Net loans and leases to core deposits | 63.2821% | 4,751 |
| Total domestic deposits to total assets | 90.6914% | 690 |
| Equity capital to assets | 8.9644% | 5,154 |
| Core capital (leverage) ratio | 8.8898% | 5,155 |
| Tier 1 risk-based capital ratio | 12.7330% | 5,173 |
| Total risk-based capital ratio | 13.9959% | 5,099 |
| Memoranda: | ||
| Average total assets | $85,438,500 | 5,080 |
| Average earning assets | $76,900,000 | 5,095 |
| Average equity | $7,722,000 | 5,364 |
| Average total loans | $50,183,500 | 4,922 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,944 |
| Cost of funding earning assets | 0.4088% | 4,552 |
| Net interest margin | 3.6336% | 3,316 |
| Noninterest income to average assets | 0.1920% | 5,942 |
| Noninterest expense to average assets | 3.8647% | 1,038 |
| Loan and lease loss provision to assets | 0.7209% | 315 |
| Net operating income to assets | -0.9871% | 6,606 |
| Return on assets (ROA) | -0.9871% | 6,605 |
| Pretax return on assets | -1.1379% | 6,621 |
| Return on Equity (ROE) | -10.1083% | 6,585 |
| Retained earnings to average equity (ytd only) | -10.1083% | 6,536 |
| Net charge-offs to loans | 1.1906% | 449 |
| Credit loss provision to net charge-offs | 105.1546% | 2,296 |
| Earnings coverage of net charge-offs (x) | -0.6082% | 5,219 |
| Efficiency ratio | 112.0943% | 244 |
| Assets per employee ($millions) | 3.1441% | 5,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6288% | 711 |
| Loan loss allowance to noncurrent loans | 33.9213% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 8.8006% | 160 |
| Noncurrent loans to loans | 7.7498% | 205 |
| Net loans and leases to total assets | 57.8994% | 4,050 |
| Net loans and leases to deposits | 63.8844% | 4,516 |
| Net loans and leases to core deposits | 64.9635% | 4,780 |
| Total domestic deposits to total assets | 90.6316% | 738 |
| Equity capital to assets | 9.1128% | 4,908 |
| Core capital (leverage) ratio | 8.8485% | 5,213 |
| Tier 1 risk-based capital ratio | 12.6773% | 5,188 |
| Total risk-based capital ratio | 13.9392% | 5,126 |
| Memoranda: | ||
| Average total assets | $84,896,200 | 5,121 |
| Average earning assets | $76,067,400 | 5,153 |
| Average equity | $8,290,200 | 5,266 |
| Average total loans | $48,881,000 | 5,007 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 3,948 |
| Cost of funding earning assets | 0.4101% | 4,733 |
| Net interest margin | 3.6370% | 3,292 |
| Noninterest income to average assets | 0.4586% | 4,093 |
| Noninterest expense to average assets | 3.8555% | 1,020 |
| Loan and lease loss provision to assets | 0.6470% | 349 |
| Net operating income to assets | -0.4884% | 6,595 |
| Return on assets (ROA) | -0.4884% | 6,606 |
| Pretax return on assets | -0.7852% | 6,656 |
| Return on Equity (ROE) | -4.9196% | 6,598 |
| Retained earnings to average equity (ytd only) | -4.9196% | 6,490 |
| Net charge-offs to loans | 1.5676% | 281 |
| Credit loss provision to net charge-offs | 72.2807% | 3,023 |
| Earnings coverage of net charge-offs (x) | -0.1544% | 4,900 |
| Efficiency ratio | 103.7178% | 366 |
| Assets per employee ($millions) | 3.3722% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5481% | 888 |
| Loan loss allowance to noncurrent loans | 27.6591% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 9.4977% | 153 |
| Noncurrent loans to loans | 9.2125% | 163 |
| Net loans and leases to total assets | 51.6707% | 4,914 |
| Net loans and leases to deposits | 57.4964% | 5,235 |
| Net loans and leases to core deposits | 58.4798% | 5,413 |
| Total domestic deposits to total assets | 89.8677% | 1,076 |
| Equity capital to assets | 9.7835% | 4,207 |
| Core capital (leverage) ratio | 9.3680% | 4,581 |
| Tier 1 risk-based capital ratio | 15.1526% | 3,655 |
| Total risk-based capital ratio | 16.4131% | 3,609 |
| Memoranda: | ||
| Average total assets | $84,897,250 | 5,166 |
| Average earning assets | $76,068,250 | 5,194 |
| Average equity | $8,428,750 | 5,291 |
| Average total loans | $48,481,500 | 5,063 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0859% | 3,792 |
| Cost of funding earning assets | 0.4086% | 4,862 |
| Net interest margin | 3.6773% | 3,046 |
| Noninterest income to average assets | 0.2703% | 5,523 |
| Noninterest expense to average assets | 3.5513% | 1,503 |
| Loan and lease loss provision to assets | 1.5935% | 77 |
| Net operating income to assets | -0.9871% | 6,752 |
| Return on assets (ROA) | -0.9871% | 6,756 |
| Pretax return on assets | -1.5747% | 6,810 |
| Return on Equity (ROE) | -9.8952% | 6,742 |
| Retained earnings to average equity (ytd only) | -9.8952% | 6,664 |
| Net charge-offs to loans | 1.6284% | 307 |
| Credit loss provision to net charge-offs | 167.4074% | 1,403 |
| Earnings coverage of net charge-offs (x) | 0.0198% | 4,547 |
| Efficiency ratio | 99.4733% | 506 |
| Assets per employee ($millions) | 3.3350% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2844% | 443 |
| Loan loss allowance to noncurrent loans | 34.6655% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 9.5397% | 163 |
| Noncurrent loans to loans | 9.4745% | 182 |
| Net loans and leases to total assets | 53.3173% | 4,696 |
| Net loans and leases to deposits | 59.0455% | 5,064 |
| Net loans and leases to core deposits | 60.0221% | 5,264 |
| Total domestic deposits to total assets | 90.2988% | 862 |
| Equity capital to assets | 9.4163% | 4,694 |
| Core capital (leverage) ratio | 9.0274% | 4,944 |
| Tier 1 risk-based capital ratio | 14.1032% | 4,354 |
| Total risk-based capital ratio | 15.3720% | 4,302 |
| Memoranda: | ||
| Average total assets | $85,094,670 | 5,186 |
| Average earning assets | $76,361,000 | 5,218 |
| Average equity | $8,489,000 | 5,313 |
| Average total loans | $49,742,000 | 5,033 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 3,594 |
| Cost of funding earning assets | 0.4110% | 4,997 |
| Net interest margin | 3.7201% | 2,777 |
| Noninterest income to average assets | 0.6502% | 2,876 |
| Noninterest expense to average assets | 3.6874% | 1,268 |
| Loan and lease loss provision to assets | 1.6752% | 79 |
| Net operating income to assets | -0.8542% | 6,775 |
| Return on assets (ROA) | -0.8542% | 6,787 |
| Pretax return on assets | -1.3620% | 6,867 |
| Return on Equity (ROE) | -8.3227% | 6,768 |
| Retained earnings to average equity (ytd only) | -8.3227% | 6,541 |
| Net charge-offs to loans | 0.4654% | 1,284 |
| Credit loss provision to net charge-offs | 598.3051% | 462 |
| Earnings coverage of net charge-offs (x) | 1.1186% | 3,459 |
| Efficiency ratio | 92.1708% | 964 |
| Assets per employee ($millions) | 3.4497% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2131% | 539 |
| Loan loss allowance to noncurrent loans | 23.6474% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 11.4746% | 140 |
| Noncurrent loans to loans | 13.5875% | 102 |
| Net loans and leases to total assets | 55.5697% | 4,159 |
| Net loans and leases to deposits | 61.8331% | 4,569 |
| Net loans and leases to core deposits | 63.0849% | 4,839 |
| Total domestic deposits to total assets | 89.8705% | 1,127 |
| Equity capital to assets | 9.9266% | 4,244 |
| Core capital (leverage) ratio | 9.7074% | 3,783 |
| Tier 1 risk-based capital ratio | 14.5633% | 4,128 |
| Total risk-based capital ratio | 15.8323% | 4,081 |
| Memoranda: | ||
| Average total assets | $84,286,500 | 5,256 |
| Average earning assets | $75,911,000 | 5,269 |
| Average equity | $8,651,000 | 5,320 |
| Average total loans | $50,712,000 | 5,028 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 4,039 |
| Cost of funding earning assets | 0.5430% | 4,875 |
| Net interest margin | 3.8009% | 3,222 |
| Noninterest income to average assets | 0.5391% | 3,652 |
| Noninterest expense to average assets | 3.2699% | 2,424 |
| Loan and lease loss provision to assets | 0.6648% | 800 |
| Net operating income to assets | 0.0282% | 6,124 |
| Return on assets (ROA) | 0.0282% | 6,266 |
| Pretax return on assets | 0.0000% | 6,282 |
| Return on Equity (ROE) | 0.2763% | 6,268 |
| Retained earnings to average equity (ytd only) | 0.2763% | 5,717 |
| Net charge-offs to loans | 0.8043% | 1,451 |
| Credit loss provision to net charge-offs | 136.3855% | 2,027 |
| Earnings coverage of net charge-offs (x) | 1.3639% | 4,771 |
| Efficiency ratio | 83.1045% | 1,734 |
| Assets per employee ($millions) | 3.4304% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4987% | 1,132 |
| Loan loss allowance to noncurrent loans | 19.3380% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 11.5401% | 156 |
| Noncurrent loans to loans | 12.9209% | 124 |
| Net loans and leases to total assets | 61.4733% | 3,342 |
| Net loans and leases to deposits | 68.9223% | 3,848 |
| Net loans and leases to core deposits | 70.6709% | 4,209 |
| Total domestic deposits to total assets | 89.1923% | 1,441 |
| Equity capital to assets | 10.6170% | 3,379 |
| Core capital (leverage) ratio | 9.9812% | 3,429 |
| Tier 1 risk-based capital ratio | 14.7415% | 3,869 |
| Total risk-based capital ratio | 16.0040% | 3,814 |
| Memoranda: | ||
| Average total assets | $85,140,800 | 5,213 |
| Average earning assets | $76,060,000 | 5,244 |
| Average equity | $8,686,400 | 5,311 |
| Average total loans | $51,600,600 | 5,037 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 4,501 |
| Cost of funding earning assets | 0.5663% | 4,948 |
| Net interest margin | 3.7200% | 3,703 |
| Noninterest income to average assets | 0.4240% | 4,451 |
| Noninterest expense to average assets | 3.2368% | 2,461 |
| Loan and lease loss provision to assets | 0.8791% | 509 |
| Net operating income to assets | -0.2299% | 6,514 |
| Return on assets (ROA) | -0.2299% | 6,589 |
| Pretax return on assets | -0.3759% | 6,646 |
| Return on Equity (ROE) | -2.2753% | 6,590 |
| Retained earnings to average equity (ytd only) | -2.2753% | 6,426 |
| Net charge-offs to loans | 1.0661% | 980 |
| Credit loss provision to net charge-offs | 137.3786% | 2,096 |
| Earnings coverage of net charge-offs (x) | 0.7864% | 4,935 |
| Efficiency ratio | 86.5449% | 1,339 |
| Assets per employee ($millions) | 3.4818% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5530% | 1,141 |
| Loan loss allowance to noncurrent loans | 19.0142% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 11.8415% | 169 |
| Noncurrent loans to loans | 13.4267% | 122 |
| Net loans and leases to total assets | 59.3823% | 3,893 |
| Net loans and leases to deposits | 66.3613% | 4,425 |
| Net loans and leases to core deposits | 68.4872% | 4,677 |
| Total domestic deposits to total assets | 89.4833% | 1,140 |
| Equity capital to assets | 10.2654% | 4,115 |
| Core capital (leverage) ratio | 9.8291% | 3,780 |
| Tier 1 risk-based capital ratio | 14.6652% | 4,074 |
| Total risk-based capital ratio | 15.9287% | 4,029 |
| Memoranda: | ||
| Average total assets | $85,843,500 | 5,245 |
| Average earning assets | $76,522,000 | 5,280 |
| Average equity | $8,672,750 | 5,360 |
| Average total loans | $51,523,750 | 5,097 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 4,328 |
| Cost of funding earning assets | 0.5865% | 5,014 |
| Net interest margin | 3.7783% | 3,463 |
| Noninterest income to average assets | 0.6882% | 2,728 |
| Noninterest expense to average assets | 3.1454% | 2,765 |
| Loan and lease loss provision to assets | 1.0923% | 394 |
| Net operating income to assets | -0.1108% | 6,449 |
| Return on assets (ROA) | -0.1108% | 6,544 |
| Pretax return on assets | -0.1871% | 6,582 |
| Return on Equity (ROE) | -1.1029% | 6,551 |
| Retained earnings to average equity (ytd only) | -1.1029% | 6,224 |
| Net charge-offs to loans | 1.5351% | 636 |
| Credit loss provision to net charge-offs | 119.1436% | 2,306 |
| Earnings coverage of net charge-offs (x) | 0.9874% | 4,539 |
| Efficiency ratio | 77.6511% | 2,507 |
| Assets per employee ($millions) | 3.6491% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3597% | 1,481 |
| Loan loss allowance to noncurrent loans | 18.1198% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 11.3737% | 201 |
| Noncurrent loans to loans | 13.0228% | 141 |
| Net loans and leases to total assets | 57.7353% | 4,214 |
| Net loans and leases to deposits | 64.2507% | 4,728 |
| Net loans and leases to core deposits | 66.2110% | 4,980 |
| Total domestic deposits to total assets | 89.8594% | 1,009 |
| Equity capital to assets | 9.9008% | 4,487 |
| Core capital (leverage) ratio | 10.1911% | 3,156 |
| Tier 1 risk-based capital ratio | 14.9797% | 3,781 |
| Total risk-based capital ratio | 16.2410% | 3,721 |
| Memoranda: | ||
| Average total assets | $86,604,000 | 5,259 |
| Average earning assets | $77,072,670 | 5,298 |
| Average equity | $8,704,330 | 5,351 |
| Average total loans | $51,724,670 | 5,114 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 4,954 |
| Cost of funding earning assets | 0.6301% | 4,890 |
| Net interest margin | 3.6125% | 4,213 |
| Noninterest income to average assets | 0.5992% | 3,236 |
| Noninterest expense to average assets | 3.0610% | 3,049 |
| Loan and lease loss provision to assets | 0.3484% | 1,795 |
| Net operating income to assets | 0.2508% | 5,818 |
| Return on assets (ROA) | 0.2508% | 5,970 |
| Pretax return on assets | 0.3855% | 5,762 |
| Return on Equity (ROE) | 2.4768% | 5,914 |
| Retained earnings to average equity (ytd only) | 2.4768% | 5,019 |
| Net charge-offs to loans | 0.8744% | 1,172 |
| Credit loss provision to net charge-offs | 66.3717% | 2,987 |
| Earnings coverage of net charge-offs (x) | 1.3982% | 3,627 |
| Efficiency ratio | 80.6610% | 2,127 |
| Assets per employee ($millions) | 3.6003% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1617% | 1,961 |
| Loan loss allowance to noncurrent loans | 14.2051% | 6,701 |
| Noncurrent assets plus other real estate owned to assets | 12.7838% | 173 |
| Noncurrent loans to loans | 15.2177% | 118 |
| Net loans and leases to total assets | 60.5594% | 3,543 |
| Net loans and leases to deposits | 67.9025% | 4,078 |
| Net loans and leases to core deposits | 70.1380% | 4,398 |
| Total domestic deposits to total assets | 89.1858% | 1,573 |
| Equity capital to assets | 10.5473% | 3,431 |
| Core capital (leverage) ratio | 10.2302% | 3,073 |
| Tier 1 risk-based capital ratio | 15.1975% | 3,621 |
| Total risk-based capital ratio | 16.4553% | 3,579 |
| Memoranda: | ||
| Average total assets | $86,116,500 | 5,308 |
| Average earning assets | $76,180,500 | 5,358 |
| Average equity | $8,721,000 | 5,352 |
| Average total loans | $51,694,000 | 5,155 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6157% | 4,607 |
| Cost of funding earning assets | 0.8768% | 4,276 |
| Net interest margin | 3.7389% | 4,121 |
| Noninterest income to average assets | 0.3494% | 5,010 |
| Noninterest expense to average assets | 3.4915% | 2,001 |
| Loan and lease loss provision to assets | 0.2066% | 4,121 |
| Net operating income to assets | 0.0216% | 6,001 |
| Return on assets (ROA) | 0.0201% | 6,121 |
| Pretax return on assets | -0.0390% | 6,165 |
| Return on Equity (ROE) | 0.1931% | 6,120 |
| Retained earnings to average equity (ytd only) | 0.1931% | 5,749 |
| Net charge-offs to loans | 0.4504% | 3,180 |
| Credit loss provision to net charge-offs | 70.8502% | 4,816 |
| Earnings coverage of net charge-offs (x) | 0.5830% | 5,393 |
| Efficiency ratio | 95.3578% | 853 |
| Assets per employee ($millions) | 3.7260% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1983% | 1,802 |
| Loan loss allowance to noncurrent loans | 18.9296% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 9.9256% | 338 |
| Noncurrent loans to loans | 11.6128% | 237 |
| Net loans and leases to total assets | 57.0154% | 4,542 |
| Net loans and leases to deposits | 63.4036% | 5,078 |
| Net loans and leases to core deposits | 65.9688% | 5,255 |
| Total domestic deposits to total assets | 89.9245% | 1,029 |
| Equity capital to assets | 9.7378% | 4,534 |
| Core capital (leverage) ratio | 10.0454% | 3,282 |
| Tier 1 risk-based capital ratio | 14.8433% | 3,730 |
| Total risk-based capital ratio | 16.1016% | 3,699 |
| Memoranda: | ||
| Average total assets | $84,720,600 | 5,319 |
| Average earning assets | $75,048,200 | 5,373 |
| Average equity | $8,805,200 | 5,337 |
| Average total loans | $54,835,400 | 5,080 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0332% | 2,919 |
| Cost of funding earning assets | 0.9436% | 4,089 |
| Net interest margin | 4.0896% | 2,515 |
| Noninterest income to average assets | 0.4437% | 4,342 |
| Noninterest expense to average assets | 3.3291% | 2,405 |
| Loan and lease loss provision to assets | 0.1596% | 4,468 |
| Net operating income to assets | 0.3862% | 5,057 |
| Return on assets (ROA) | 0.3862% | 5,245 |
| Pretax return on assets | 0.5793% | 4,885 |
| Return on Equity (ROE) | 3.6543% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.6543% | 4,153 |
| Net charge-offs to loans | 0.6581% | 2,279 |
| Credit loss provision to net charge-offs | 36.4964% | 5,311 |
| Earnings coverage of net charge-offs (x) | 1.6898% | 4,390 |
| Efficiency ratio | 81.8360% | 2,005 |
| Assets per employee ($millions) | 3.5494% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9393% | 2,503 |
| Loan loss allowance to noncurrent loans | 27.0116% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 8.1140% | 542 |
| Noncurrent loans to loans | 7.1793% | 679 |
| Net loans and leases to total assets | 61.9715% | 3,729 |
| Net loans and leases to deposits | 69.4609% | 4,391 |
| Net loans and leases to core deposits | 72.7079% | 4,618 |
| Total domestic deposits to total assets | 89.2177% | 1,295 |
| Equity capital to assets | 10.4888% | 3,722 |
| Core capital (leverage) ratio | 10.3993% | 2,989 |
| Tier 1 risk-based capital ratio | 14.7863% | 3,785 |
| Total risk-based capital ratio | 16.0430% | 3,757 |
| Memoranda: | ||
| Average total assets | $83,544,500 | 5,386 |
| Average earning assets | $74,040,000 | 5,441 |
| Average equity | $8,829,500 | 5,351 |
| Average total loans | $55,511,250 | 5,092 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0273% | 3,027 |
| Cost of funding earning assets | 0.9871% | 4,037 |
| Net interest margin | 4.0402% | 2,646 |
| Noninterest income to average assets | 0.7615% | 2,201 |
| Noninterest expense to average assets | 3.5567% | 1,845 |
| Loan and lease loss provision to assets | 0.1205% | 4,773 |
| Net operating income to assets | 0.4506% | 4,717 |
| Return on assets (ROA) | 0.4506% | 4,856 |
| Pretax return on assets | 0.6844% | 4,445 |
| Return on Equity (ROE) | 4.2527% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.2527% | 3,490 |
| Net charge-offs to loans | -0.0321% | 6,938 |
| Credit loss provision to net charge-offs | -555.5556% | 6,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5470% | 2,163 |
| Assets per employee ($millions) | 3.5492% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2795% | 1,779 |
| Loan loss allowance to noncurrent loans | 28.6516% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 8.8648% | 475 |
| Noncurrent loans to loans | 7.9558% | 573 |
| Net loans and leases to total assets | 64.2698% | 3,404 |
| Net loans and leases to deposits | 71.9732% | 4,116 |
| Net loans and leases to core deposits | 75.3441% | 4,395 |
| Total domestic deposits to total assets | 89.2968% | 1,361 |
| Equity capital to assets | 10.4344% | 3,600 |
| Core capital (leverage) ratio | 10.3915% | 2,838 |
| Tier 1 risk-based capital ratio | 14.2781% | 3,955 |
| Total risk-based capital ratio | 15.5378% | 3,923 |
| Memoranda: | ||
| Average total assets | $82,997,330 | 5,457 |
| Average earning assets | $73,956,000 | 5,493 |
| Average equity | $8,794,330 | 5,384 |
| Average total loans | $56,070,000 | 5,119 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 3,314 |
| Cost of funding earning assets | 1.0333% | 3,965 |
| Net interest margin | 3.9201% | 3,044 |
| Noninterest income to average assets | 0.7814% | 2,106 |
| Noninterest expense to average assets | 3.4137% | 2,238 |
| Loan and lease loss provision to assets | 0.1221% | 4,484 |
| Net operating income to assets | 0.4884% | 4,532 |
| Return on assets (ROA) | 0.4884% | 4,618 |
| Pretax return on assets | 0.7472% | 4,106 |
| Return on Equity (ROE) | 4.5727% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.5727% | 3,437 |
| Net charge-offs to loans | -0.4136% | 7,387 |
| Credit loss provision to net charge-offs | -43.1034% | 5,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7035% | 2,582 |
| Assets per employee ($millions) | 3.4879% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3381% | 1,704 |
| Loan loss allowance to noncurrent loans | 44.9085% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 6.1881% | 918 |
| Noncurrent loans to loans | 5.2063% | 1,278 |
| Net loans and leases to total assets | 64.9189% | 3,259 |
| Net loans and leases to deposits | 72.8537% | 3,941 |
| Net loans and leases to core deposits | 75.6908% | 4,343 |
| Total domestic deposits to total assets | 89.1087% | 1,708 |
| Equity capital to assets | 10.5066% | 3,168 |
| Core capital (leverage) ratio | 10.4926% | 2,621 |
| Tier 1 risk-based capital ratio | 14.4716% | 3,757 |
| Total risk-based capital ratio | 15.7330% | 3,710 |
| Memoranda: | ||
| Average total assets | $81,906,000 | 5,525 |
| Average earning assets | $73,160,500 | 5,567 |
| Average equity | $8,747,500 | 5,396 |
| Average total loans | $56,094,000 | 5,171 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3406% | 2,930 |
| Cost of funding earning assets | 1.3233% | 3,732 |
| Net interest margin | 4.0173% | 2,941 |
| Noninterest income to average assets | 0.9124% | 1,804 |
| Noninterest expense to average assets | 3.3105% | 2,710 |
| Loan and lease loss provision to assets | 0.9186% | 1,780 |
| Net operating income to assets | 0.2543% | 5,099 |
| Return on assets (ROA) | 0.2523% | 5,254 |
| Pretax return on assets | 0.3062% | 5,214 |
| Return on Equity (ROE) | 2.3703% | 5,236 |
| Retained earnings to average equity (ytd only) | 2.3703% | 4,218 |
| Net charge-offs to loans | 0.9032% | 2,387 |
| Credit loss provision to net charge-offs | 139.4052% | 2,730 |
| Earnings coverage of net charge-offs (x) | 1.8625% | 4,332 |
| Efficiency ratio | 72.9555% | 3,602 |
| Assets per employee ($millions) | 3.3376% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1541% | 1,955 |
| Loan loss allowance to noncurrent loans | 35.6557% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 6.5541% | 866 |
| Noncurrent loans to loans | 6.0413% | 1,032 |
| Net loans and leases to total assets | 69.0686% | 2,745 |
| Net loans and leases to deposits | 77.7892% | 3,543 |
| Net loans and leases to core deposits | 80.9629% | 4,066 |
| Total domestic deposits to total assets | 88.7894% | 1,772 |
| Equity capital to assets | 10.8610% | 2,807 |
| Core capital (leverage) ratio | 10.5786% | 2,485 |
| Tier 1 risk-based capital ratio | 14.1701% | 3,755 |
| Total risk-based capital ratio | 15.4293% | 3,709 |
| Memoranda: | ||
| Average total assets | $81,648,800 | 5,546 |
| Average earning assets | $73,681,400 | 5,549 |
| Average equity | $8,690,800 | 5,503 |
| Average total loans | $59,566,600 | 5,090 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3150% | 3,275 |
| Cost of funding earning assets | 1.3638% | 3,810 |
| Net interest margin | 3.9513% | 3,318 |
| Noninterest income to average assets | 0.9199% | 1,726 |
| Noninterest expense to average assets | 3.2961% | 2,584 |
| Loan and lease loss provision to assets | 0.3576% | 3,755 |
| Net operating income to assets | 0.5547% | 4,077 |
| Return on assets (ROA) | 0.5526% | 4,251 |
| Pretax return on assets | 0.8419% | 3,765 |
| Return on Equity (ROE) | 5.2175% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.2175% | 2,831 |
| Net charge-offs to loans | 0.1083% | 5,457 |
| Credit loss provision to net charge-offs | 448.9796% | 671 |
| Earnings coverage of net charge-offs (x) | 15.1024% | 1,462 |
| Efficiency ratio | 73.2659% | 3,470 |
| Assets per employee ($millions) | 3.1053% | 5,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 2,299 |
| Loan loss allowance to noncurrent loans | 20.0068% | 6,906 |
| Noncurrent assets plus other real estate owned to assets | 9.0056% | 503 |
| Noncurrent loans to loans | 9.8549% | 438 |
| Net loans and leases to total assets | 72.4792% | 2,134 |
| Net loans and leases to deposits | 81.7693% | 3,150 |
| Net loans and leases to core deposits | 85.4292% | 3,740 |
| Total domestic deposits to total assets | 88.6387% | 1,602 |
| Equity capital to assets | 10.9575% | 3,002 |
| Core capital (leverage) ratio | 10.5943% | 2,601 |
| Tier 1 risk-based capital ratio | 13.9121% | 3,907 |
| Total risk-based capital ratio | 15.1691% | 3,864 |
| Memoranda: | ||
| Average total assets | $82,035,250 | 5,598 |
| Average earning assets | $74,303,000 | 5,596 |
| Average equity | $8,688,500 | 5,579 |
| Average total loans | $60,322,250 | 5,132 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2896% | 3,517 |
| Cost of funding earning assets | 1.3931% | 3,918 |
| Net interest margin | 3.8965% | 3,464 |
| Noninterest income to average assets | 1.0938% | 1,112 |
| Noninterest expense to average assets | 3.1600% | 3,051 |
| Loan and lease loss provision to assets | 0.4244% | 3,202 |
| Net operating income to assets | 0.6904% | 3,443 |
| Return on assets (ROA) | 0.6888% | 3,603 |
| Pretax return on assets | 1.0477% | 2,947 |
| Return on Equity (ROE) | 6.5774% | 3,511 |
| Retained earnings to average equity (ytd only) | 6.5774% | 2,035 |
| Net charge-offs to loans | 0.2015% | 4,403 |
| Credit loss provision to net charge-offs | 286.8852% | 1,296 |
| Earnings coverage of net charge-offs (x) | 9.9672% | 1,952 |
| Efficiency ratio | 68.1842% | 4,541 |
| Assets per employee ($millions) | 3.1635% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8738% | 2,499 |
| Loan loss allowance to noncurrent loans | 27.0205% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 6.8279% | 786 |
| Noncurrent loans to loans | 6.9347% | 824 |
| Net loans and leases to total assets | 71.3086% | 2,592 |
| Net loans and leases to deposits | 80.2177% | 3,562 |
| Net loans and leases to core deposits | 82.8406% | 4,307 |
| Total domestic deposits to total assets | 88.8938% | 1,498 |
| Equity capital to assets | 10.6941% | 3,176 |
| Core capital (leverage) ratio | 10.7362% | 2,441 |
| Tier 1 risk-based capital ratio | 13.7807% | 3,891 |
| Total risk-based capital ratio | 15.0369% | 3,850 |
| Memoranda: | ||
| Average total assets | $82,467,330 | 5,610 |
| Average earning assets | $74,939,000 | 5,609 |
| Average equity | $8,635,670 | 5,599 |
| Average total loans | $60,531,000 | 5,157 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 3,414 |
| Cost of funding earning assets | 1.4180% | 4,059 |
| Net interest margin | 3.9089% | 3,287 |
| Noninterest income to average assets | 1.2595% | 774 |
| Noninterest expense to average assets | 3.2940% | 2,550 |
| Loan and lease loss provision to assets | 0.4844% | 2,560 |
| Net operating income to assets | 0.6765% | 3,542 |
| Return on assets (ROA) | 0.6733% | 3,674 |
| Pretax return on assets | 1.0415% | 2,927 |
| Return on Equity (ROE) | 6.4987% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.4987% | 2,363 |
| Net charge-offs to loans | -0.0328% | 7,220 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2731% | 4,665 |
| Assets per employee ($millions) | 3.1013% | 5,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 2,565 |
| Loan loss allowance to noncurrent loans | 29.9703% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 6.3597% | 908 |
| Noncurrent loans to loans | 6.1859% | 1,050 |
| Net loans and leases to total assets | 72.9428% | 2,220 |
| Net loans and leases to deposits | 82.1981% | 3,252 |
| Net loans and leases to core deposits | 84.9476% | 4,064 |
| Total domestic deposits to total assets | 88.7403% | 1,650 |
| Equity capital to assets | 10.7003% | 3,039 |
| Core capital (leverage) ratio | 10.5928% | 2,544 |
| Tier 1 risk-based capital ratio | 13.5195% | 3,969 |
| Total risk-based capital ratio | 14.7759% | 3,930 |
| Memoranda: | ||
| Average total assets | $82,575,500 | 5,678 |
| Average earning assets | $75,316,000 | 5,658 |
| Average equity | $8,555,500 | 5,674 |
| Average total loans | $60,910,500 | 5,209 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4113% | 4,646 |
| Cost of funding earning assets | 1.8503% | 3,732 |
| Net interest margin | 3.5611% | 4,691 |
| Noninterest income to average assets | 0.8881% | 1,994 |
| Noninterest expense to average assets | 3.9470% | 1,442 |
| Loan and lease loss provision to assets | 1.9976% | 1,088 |
| Net operating income to assets | -1.2931% | 6,757 |
| Return on assets (ROA) | -1.2980% | 6,765 |
| Pretax return on assets | -1.8763% | 6,890 |
| Return on Equity (ROE) | -11.9518% | 6,762 |
| Retained earnings to average equity (ytd only) | -11.9518% | 6,676 |
| Net charge-offs to loans | 2.9002% | 745 |
| Credit loss provision to net charge-offs | 91.4286% | 5,958 |
| Earnings coverage of net charge-offs (x) | 0.0588% | 6,110 |
| Efficiency ratio | 96.8497% | 1,277 |
| Assets per employee ($millions) | 3.0185% | 6,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6254% | 3,180 |
| Loan loss allowance to noncurrent loans | 28.1793% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 6.0638% | 929 |
| Noncurrent loans to loans | 5.7679% | 1,101 |
| Net loans and leases to total assets | 72.0415% | 2,747 |
| Net loans and leases to deposits | 80.5269% | 3,884 |
| Net loans and leases to core deposits | 98.4717% | 4,183 |
| Total domestic deposits to total assets | 89.4626% | 1,233 |
| Equity capital to assets | 10.0369% | 3,706 |
| Core capital (leverage) ratio | 9.9545% | 3,137 |
| Tier 1 risk-based capital ratio | 12.3015% | 4,681 |
| Total risk-based capital ratio | 13.5536% | 4,639 |
| Memoranda: | ||
| Average total assets | $84,900,400 | 5,564 |
| Average earning assets | $75,988,600 | 5,603 |
| Average equity | $9,220,400 | 5,542 |
| Average total loans | $63,962,000 | 5,105 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6229% | 3,729 |
| Cost of funding earning assets | 1.9425% | 3,654 |
| Net interest margin | 3.6804% | 4,163 |
| Noninterest income to average assets | 0.9365% | 1,833 |
| Noninterest expense to average assets | 4.1036% | 1,141 |
| Loan and lease loss provision to assets | 0.7843% | 2,412 |
| Net operating income to assets | -0.4018% | 6,320 |
| Return on assets (ROA) | -0.4079% | 6,330 |
| Pretax return on assets | -0.6886% | 6,473 |
| Return on Equity (ROE) | -3.6860% | 6,310 |
| Retained earnings to average equity (ytd only) | -3.6860% | 6,059 |
| Net charge-offs to loans | 0.7692% | 2,437 |
| Credit loss provision to net charge-offs | 134.4086% | 3,702 |
| Earnings coverage of net charge-offs (x) | 0.1801% | 5,842 |
| Efficiency ratio | 97.5028% | 1,187 |
| Assets per employee ($millions) | 2.9937% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0315% | 1,727 |
| Loan loss allowance to noncurrent loans | 82.7255% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 3.8724% | 1,660 |
| Noncurrent loans to loans | 2.4557% | 3,069 |
| Net loans and leases to total assets | 74.3880% | 2,413 |
| Net loans and leases to deposits | 84.2681% | 3,604 |
| Net loans and leases to core deposits | 105.0880% | 3,807 |
| Total domestic deposits to total assets | 88.2754% | 1,528 |
| Equity capital to assets | 11.1245% | 2,902 |
| Core capital (leverage) ratio | 11.3545% | 2,153 |
| Tier 1 risk-based capital ratio | 13.4731% | 3,868 |
| Total risk-based capital ratio | 14.7304% | 3,800 |
| Memoranda: | ||
| Average total assets | $84,996,000 | 5,589 |
| Average earning assets | $75,569,750 | 5,650 |
| Average equity | $9,404,750 | 5,520 |
| Average total loans | $64,479,000 | 5,122 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6321% | 3,904 |
| Cost of funding earning assets | 2.0194% | 3,683 |
| Net interest margin | 3.6126% | 4,315 |
| Noninterest income to average assets | 0.8573% | 2,154 |
| Noninterest expense to average assets | 4.4386% | 823 |
| Loan and lease loss provision to assets | 1.0072% | 1,672 |
| Net operating income to assets | -0.8623% | 6,876 |
| Return on assets (ROA) | -0.8713% | 6,890 |
| Pretax return on assets | -1.4265% | 7,051 |
| Return on Equity (ROE) | -7.8886% | 6,884 |
| Retained earnings to average equity (ytd only) | -7.8886% | 6,656 |
| Net charge-offs to loans | 1.0347% | 1,725 |
| Credit loss provision to net charge-offs | 128.3582% | 3,624 |
| Earnings coverage of net charge-offs (x) | -0.5164% | 6,084 |
| Efficiency ratio | 110.0465% | 851 |
| Assets per employee ($millions) | 2.9785% | 6,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9290% | 1,722 |
| Loan loss allowance to noncurrent loans | 72.0824% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 3.8083% | 1,592 |
| Noncurrent loans to loans | 2.6761% | 2,692 |
| Net loans and leases to total assets | 76.8109% | 1,985 |
| Net loans and leases to deposits | 87.0377% | 3,351 |
| Net loans and leases to core deposits | 107.9617% | 3,616 |
| Total domestic deposits to total assets | 88.2502% | 1,648 |
| Equity capital to assets | 11.0244% | 2,903 |
| Core capital (leverage) ratio | 11.0416% | 2,370 |
| Tier 1 risk-based capital ratio | 13.0217% | 4,134 |
| Total risk-based capital ratio | 14.2786% | 4,048 |
| Memoranda: | ||
| Average total assets | $85,386,670 | 5,604 |
| Average earning assets | $75,070,000 | 5,709 |
| Average equity | $9,431,330 | 5,533 |
| Average total loans | $64,756,000 | 5,147 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4009% | 5,425 |
| Cost of funding earning assets | 2.0527% | 3,857 |
| Net interest margin | 3.3481% | 5,330 |
| Noninterest income to average assets | 0.7594% | 2,548 |
| Noninterest expense to average assets | 3.3202% | 2,600 |
| Loan and lease loss provision to assets | 0.8798% | 1,492 |
| Net operating income to assets | -0.2693% | 6,647 |
| Return on assets (ROA) | -0.2871% | 6,742 |
| Pretax return on assets | -0.5001% | 6,818 |
| Return on Equity (ROE) | -2.5969% | 6,733 |
| Retained earnings to average equity (ytd only) | -2.5969% | 6,208 |
| Net charge-offs to loans | 2.0721% | 695 |
| Credit loss provision to net charge-offs | 56.8862% | 4,572 |
| Earnings coverage of net charge-offs (x) | 0.2635% | 4,761 |
| Efficiency ratio | 89.0683% | 1,805 |
| Assets per employee ($millions) | 3.1174% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 2,559 |
| Loan loss allowance to noncurrent loans | 65.4907% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 3.4454% | 1,569 |
| Noncurrent loans to loans | 2.4293% | 2,710 |
| Net loans and leases to total assets | 75.0312% | 2,496 |
| Net loans and leases to deposits | 85.1715% | 3,784 |
| Net loans and leases to core deposits | 105.0659% | 4,022 |
| Total domestic deposits to total assets | 88.0942% | 1,704 |
| Equity capital to assets | 11.2951% | 2,723 |
| Core capital (leverage) ratio | 10.8166% | 2,643 |
| Tier 1 risk-based capital ratio | 13.3492% | 3,959 |
| Total risk-based capital ratio | 14.6013% | 3,877 |
| Memoranda: | ||
| Average total assets | $86,381,500 | 5,592 |
| Average earning assets | $76,580,500 | 5,670 |
| Average equity | $9,550,000 | 5,521 |
| Average total loans | $64,475,000 | 5,183 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6603% | 2,200 |
| Cost of funding earning assets | 2.5552% | 3,926 |
| Net interest margin | 4.1052% | 2,686 |
| Noninterest income to average assets | 0.8937% | 1,978 |
| Noninterest expense to average assets | 3.3233% | 2,884 |
| Loan and lease loss provision to assets | 0.3119% | 3,879 |
| Net operating income to assets | 0.6747% | 4,007 |
| Return on assets (ROA) | 0.6763% | 3,837 |
| Pretax return on assets | 0.9666% | 3,495 |
| Return on Equity (ROE) | 5.9985% | 3,943 |
| Retained earnings to average equity (ytd only) | -1.8278% | 5,824 |
| Net charge-offs to loans | 0.1542% | 4,654 |
| Credit loss provision to net charge-offs | 294.6237% | 1,534 |
| Earnings coverage of net charge-offs (x) | 12.0538% | 2,299 |
| Efficiency ratio | 72.2525% | 3,885 |
| Assets per employee ($millions) | 3.1641% | 5,580 |
| Cash dividends to net income (ytd only)* | 130.4714% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8000% | 1,632 |
| Loan loss allowance to noncurrent loans | 56.6845% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 3.6910% | 1,178 |
| Noncurrent loans to loans | 3.1756% | 1,660 |
| Net loans and leases to total assets | 71.7994% | 3,630 |
| Net loans and leases to deposits | 87.7755% | 3,837 |
| Net loans and leases to core deposits | 107.8117% | 3,988 |
| Total domestic deposits to total assets | 81.7990% | 4,277 |
| Equity capital to assets | 10.8280% | 3,179 |
| Core capital (leverage) ratio | 10.9697% | 2,612 |
| Tier 1 risk-based capital ratio | 12.8536% | 4,188 |
| Total risk-based capital ratio | 14.1079% | 4,112 |
| Memoranda: | ||
| Average total assets | $87,835,400 | 5,426 |
| Average earning assets | $79,290,600 | 5,459 |
| Average equity | $9,902,400 | 5,441 |
| Average total loans | $60,310,600 | 5,250 |