Home > RiverHills Bank > Performance and Condition Ratios
RiverHills 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 | 6.2369% | 471 |
| Cost of funding earning assets | 1.7039% | 1,445 |
| Net interest margin | 4.5330% | 582 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 3.4706% | 598 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.1232% | 1,849 |
| Return on assets (ROA) | 1.1840% | 1,664 |
| Pretax return on assets | 1.3612% | 1,719 |
| Return on Equity (ROE) | 15.2400% | 1,241 |
| Retained earnings to average equity (ytd only) | 13.0721% | 493 |
| Net charge-offs to loans | -0.0010% | 3,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.7746% | 1,681 |
| Assets per employee ($millions) | 4.7686% | 3,795 |
| Cash dividends to net income (ytd only)* | 14.2413% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 1,584 |
| Loan loss allowance to noncurrent loans | 536.2676% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 2,404 |
| Noncurrent loans to loans | 0.2514% | 2,296 |
| Net loans and leases to total assets | 66.7700% | 2,173 |
| Net loans and leases to deposits | 90.2497% | 1,242 |
| Net loans and leases to core deposits | 117.1080% | 711 |
| Total domestic deposits to total assets | 73.9900% | 4,106 |
| Equity capital to assets | 8.1725% | 3,296 |
| Core capital (leverage) ratio | 9.1049% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1702% | 2,535 |
| Memoranda: | ||
| Average total assets | $326,193,000 | 2,289 |
| Average earning assets | $307,475,400 | 2,261 |
| Average equity | $25,336,400 | 2,500 |
| Average total loans | $209,713,400 | 2,232 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1764% | 433 |
| Cost of funding earning assets | 1.6605% | 1,257 |
| Net interest margin | 4.5159% | 601 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 3.5428% | 522 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0626% | 2,176 |
| Return on assets (ROA) | 1.1269% | 1,952 |
| Pretax return on assets | 1.2914% | 2,064 |
| Return on Equity (ROE) | 14.7100% | 1,504 |
| Retained earnings to average equity (ytd only) | 14.7062% | 593 |
| Net charge-offs to loans | 0.0019% | 2,504 |
| Credit loss provision to net charge-offs | 6,000.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 1,047.0000% | 146 |
| Efficiency ratio | 73.2863% | 1,418 |
| Assets per employee ($millions) | 4.7294% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 1,469 |
| Loan loss allowance to noncurrent loans | 537.1171% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 2,436 |
| Noncurrent loans to loans | 0.2598% | 2,306 |
| Net loans and leases to total assets | 65.5100% | 2,290 |
| Net loans and leases to deposits | 86.5677% | 1,503 |
| Net loans and leases to core deposits | 112.1409% | 790 |
| Total domestic deposits to total assets | 75.6700% | 4,042 |
| Equity capital to assets | 8.3309% | 2,837 |
| Core capital (leverage) ratio | 8.9241% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9384% | 2,631 |
| Memoranda: | ||
| Average total assets | $324,290,500 | 2,294 |
| Average earning assets | $305,521,750 | 2,271 |
| Average equity | $24,850,500 | 2,509 |
| Average total loans | $205,658,500 | 2,249 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1189% | 388 |
| Cost of funding earning assets | 1.5429% | 1,171 |
| Net interest margin | 4.5760% | 556 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 3.5500% | 509 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0869% | 2,157 |
| Return on assets (ROA) | 1.1741% | 1,894 |
| Pretax return on assets | 1.3524% | 1,941 |
| Return on Equity (ROE) | 15.7700% | 1,308 |
| Retained earnings to average equity (ytd only) | 15.7747% | 495 |
| Net charge-offs to loans | 0.0010% | 2,391 |
| Credit loss provision to net charge-offs | 12,000.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 2,156.0000% | 62 |
| Efficiency ratio | 72.8052% | 1,475 |
| Assets per employee ($millions) | 4.6574% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 1,544 |
| Loan loss allowance to noncurrent loans | 516.4311% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 2,338 |
| Noncurrent loans to loans | 0.2705% | 2,186 |
| Net loans and leases to total assets | 63.2800% | 2,457 |
| Net loans and leases to deposits | 89.2828% | 1,240 |
| Net loans and leases to core deposits | 112.4291% | 735 |
| Total domestic deposits to total assets | 70.8800% | 4,333 |
| Equity capital to assets | 7.8928% | 3,283 |
| Core capital (leverage) ratio | 8.5987% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6512% | 2,721 |
| Memoranda: | ||
| Average total assets | $325,187,667 | 2,302 |
| Average earning assets | $306,951,667 | 2,274 |
| Average equity | $24,203,333 | 2,560 |
| Average total loans | $202,991,667 | 2,266 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8003% | 417 |
| Cost of funding earning assets | 1.4230% | 989 |
| Net interest margin | 4.3773% | 715 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 3.5348% | 515 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.9325% | 2,748 |
| Return on assets (ROA) | 1.0691% | 2,293 |
| Pretax return on assets | 1.2181% | 2,382 |
| Return on Equity (ROE) | 14.8100% | 1,589 |
| Retained earnings to average equity (ytd only) | 14.8129% | 824 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.6657% | 1,194 |
| Assets per employee ($millions) | 4.1117% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 1,664 |
| Loan loss allowance to noncurrent loans | 396.8144% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 2,019 |
| Noncurrent loans to loans | 0.3501% | 1,889 |
| Net loans and leases to total assets | 62.6100% | 2,397 |
| Net loans and leases to deposits | 82.2877% | 1,629 |
| Net loans and leases to core deposits | 101.4633% | 1,024 |
| Total domestic deposits to total assets | 76.0800% | 4,158 |
| Equity capital to assets | 7.4172% | 3,608 |
| Core capital (leverage) ratio | 8.2601% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4140% | 2,876 |
| Memoranda: | ||
| Average total assets | $324,772,000 | 2,335 |
| Average earning assets | $306,674,000 | 2,310 |
| Average equity | $23,439,000 | 2,627 |
| Average total loans | $199,874,000 | 2,306 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1416% | 243 |
| Cost of funding earning assets | 0.7130% | 553 |
| Net interest margin | 4.4286% | 336 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 3.5728% | 461 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.0671% | 2,311 |
| Return on assets (ROA) | 1.1790% | 1,794 |
| Pretax return on assets | 1.3720% | 1,857 |
| Return on Equity (ROE) | 15.0200% | 1,254 |
| Retained earnings to average equity (ytd only) | 11.5199% | 772 |
| Net charge-offs to loans | -0.0172% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.9702% | 1,332 |
| Assets per employee ($millions) | 4.7753% | 3,834 |
| Cash dividends to net income (ytd only)* | 23.2853% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 1,337 |
| Loan loss allowance to noncurrent loans | 379.4317% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 2,007 |
| Noncurrent loans to loans | 0.3819% | 1,776 |
| Net loans and leases to total assets | 58.7300% | 2,760 |
| Net loans and leases to deposits | 76.4106% | 2,068 |
| Net loans and leases to core deposits | 91.9414% | 1,396 |
| Total domestic deposits to total assets | 76.8600% | 4,186 |
| Equity capital to assets | 7.0169% | 3,656 |
| Core capital (leverage) ratio | 8.0672% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5107% | 2,861 |
| Memoranda: | ||
| Average total assets | $294,310,400 | 2,477 |
| Average earning assets | $277,717,800 | 2,454 |
| Average equity | $23,107,800 | 2,693 |
| Average total loans | $168,340,200 | 2,475 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8143% | 276 |
| Cost of funding earning assets | 0.5181% | 687 |
| Net interest margin | 4.2962% | 339 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 3.6240% | 432 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.9858% | 2,524 |
| Return on assets (ROA) | 1.1254% | 1,952 |
| Pretax return on assets | 1.3002% | 2,044 |
| Return on Equity (ROE) | 13.9100% | 1,452 |
| Retained earnings to average equity (ytd only) | 13.9146% | 474 |
| Net charge-offs to loans | -0.0123% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.7602% | 1,202 |
| Assets per employee ($millions) | 4.3902% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 1,297 |
| Loan loss allowance to noncurrent loans | 315.6069% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 1,888 |
| Noncurrent loans to loans | 0.4742% | 1,613 |
| Net loans and leases to total assets | 55.3100% | 2,972 |
| Net loans and leases to deposits | 72.7961% | 2,146 |
| Net loans and leases to core deposits | 88.0285% | 1,409 |
| Total domestic deposits to total assets | 75.9800% | 4,368 |
| Equity capital to assets | 7.5952% | 3,157 |
| Core capital (leverage) ratio | 8.1445% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2590% | 2,727 |
| Memoranda: | ||
| Average total assets | $286,708,500 | 2,536 |
| Average earning assets | $270,465,000 | 2,513 |
| Average equity | $23,188,500 | 2,726 |
| Average total loans | $162,045,750 | 2,529 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 615 |
| Cost of funding earning assets | 0.3504% | 1,254 |
| Net interest margin | 3.8635% | 659 |
| Noninterest income to average assets | 0.9614% | 729 |
| Noninterest expense to average assets | 3.7002% | 351 |
| Loan and lease loss provision to assets | 0.0876% | 1,125 |
| Net operating income to assets | 0.7257% | 3,225 |
| Return on assets (ROA) | 0.8971% | 2,569 |
| Pretax return on assets | 1.0015% | 2,726 |
| Return on Equity (ROE) | 10.8315% | 2,039 |
| Retained earnings to average equity (ytd only) | 10.8315% | 816 |
| Net charge-offs to loans | -0.0142% | 3,742 |
| Credit loss provision to net charge-offs | -1,090.9091% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4603% | 911 |
| Assets per employee ($millions) | 4.1719% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 1,110 |
| Loan loss allowance to noncurrent loans | 149.8595% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 979 |
| Noncurrent loans to loans | 1.0775% | 768 |
| Net loans and leases to total assets | 52.6148% | 3,101 |
| Net loans and leases to deposits | 71.2657% | 2,083 |
| Net loans and leases to core deposits | 81.4282% | 1,628 |
| Total domestic deposits to total assets | 73.8291% | 4,539 |
| Equity capital to assets | 7.2010% | 3,666 |
| Core capital (leverage) ratio | 8.8997% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5927% | 2,652 |
| Memoranda: | ||
| Average total assets | $273,985,667 | 2,620 |
| Average earning assets | $257,954,667 | 2,612 |
| Average equity | $22,693,000 | 2,843 |
| Average total loans | $155,257,000 | 2,594 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 1,167 |
| Cost of funding earning assets | 0.3054% | 1,607 |
| Net interest margin | 3.4519% | 1,183 |
| Noninterest income to average assets | 1.4294% | 372 |
| Noninterest expense to average assets | 3.9218% | 296 |
| Loan and lease loss provision to assets | 0.0935% | 880 |
| Net operating income to assets | 0.5945% | 3,413 |
| Return on assets (ROA) | 0.8947% | 2,290 |
| Pretax return on assets | 0.9898% | 2,466 |
| Return on Equity (ROE) | 10.0157% | 1,965 |
| Retained earnings to average equity (ytd only) | 10.0157% | 1,014 |
| Net charge-offs to loans | -0.0293% | 4,078 |
| Credit loss provision to net charge-offs | -545.4545% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9506% | 856 |
| Assets per employee ($millions) | 3.3901% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7422% | 979 |
| Loan loss allowance to noncurrent loans | 144.2169% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.7203% | 780 |
| Noncurrent loans to loans | 1.2081% | 734 |
| Net loans and leases to total assets | 58.5845% | 2,236 |
| Net loans and leases to deposits | 65.5620% | 2,373 |
| Net loans and leases to core deposits | 75.1366% | 1,836 |
| Total domestic deposits to total assets | 89.3574% | 1,895 |
| Equity capital to assets | 9.4085% | 2,354 |
| Core capital (leverage) ratio | 9.4370% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6608% | 2,358 |
| Memoranda: | ||
| Average total assets | $256,618,000 | 2,743 |
| Average earning assets | $241,025,500 | 2,729 |
| Average equity | $22,924,000 | 2,909 |
| Average total loans | $150,336,000 | 2,624 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6234% | 481 |
| Cost of funding earning assets | 0.3316% | 2,106 |
| Net interest margin | 4.2917% | 413 |
| Noninterest income to average assets | 1.5090% | 494 |
| Noninterest expense to average assets | 3.8921% | 320 |
| Loan and lease loss provision to assets | 0.3661% | 194 |
| Net operating income to assets | 1.0957% | 2,307 |
| Return on assets (ROA) | 1.1877% | 2,031 |
| Pretax return on assets | 1.3675% | 2,153 |
| Return on Equity (ROE) | 14.0587% | 1,170 |
| Retained earnings to average equity (ytd only) | 11.6514% | 588 |
| Net charge-offs to loans | 0.7041% | 107 |
| Credit loss provision to net charge-offs | 87.7193% | 1,898 |
| Earnings coverage of net charge-offs (x) | 3.9006% | 2,518 |
| Efficiency ratio | 70.5106% | 1,678 |
| Assets per employee ($millions) | 4.1645% | 4,343 |
| Cash dividends to net income (ytd only)* | 17.1233% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6778% | 1,096 |
| Loan loss allowance to noncurrent loans | 137.9967% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 908 |
| Noncurrent loans to loans | 1.2158% | 791 |
| Net loans and leases to total assets | 56.6232% | 2,524 |
| Net loans and leases to deposits | 63.2404% | 2,761 |
| Net loans and leases to core deposits | 76.6904% | 1,859 |
| Total domestic deposits to total assets | 89.5364% | 1,216 |
| Equity capital to assets | 8.4786% | 4,061 |
| Core capital (leverage) ratio | 9.0964% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7697% | 2,707 |
| Memoranda: | ||
| Average total assets | $245,858,600 | 2,758 |
| Average earning assets | $229,768,000 | 2,747 |
| Average equity | $20,770,000 | 3,151 |
| Average total loans | $145,720,200 | 2,667 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 527 |
| Cost of funding earning assets | 0.3382% | 2,218 |
| Net interest margin | 4.3108% | 440 |
| Noninterest income to average assets | 1.6751% | 450 |
| Noninterest expense to average assets | 3.9277% | 300 |
| Loan and lease loss provision to assets | 0.4633% | 130 |
| Net operating income to assets | 1.1308% | 2,433 |
| Return on assets (ROA) | 1.2388% | 2,088 |
| Pretax return on assets | 1.4296% | 2,214 |
| Return on Equity (ROE) | 14.6785% | 1,201 |
| Retained earnings to average equity (ytd only) | 14.6785% | 441 |
| Net charge-offs to loans | 0.9457% | 69 |
| Credit loss provision to net charge-offs | 82.0313% | 1,706 |
| Earnings coverage of net charge-offs (x) | 3.1318% | 2,324 |
| Efficiency ratio | 68.9485% | 1,714 |
| Assets per employee ($millions) | 4.0051% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 1,146 |
| Loan loss allowance to noncurrent loans | 71.8804% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.3657% | 392 |
| Noncurrent loans to loans | 2.3360% | 342 |
| Net loans and leases to total assets | 57.4824% | 2,561 |
| Net loans and leases to deposits | 64.6476% | 2,772 |
| Net loans and leases to core deposits | 79.7363% | 1,762 |
| Total domestic deposits to total assets | 88.9166% | 1,332 |
| Equity capital to assets | 8.8248% | 3,981 |
| Core capital (leverage) ratio | 9.4534% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4927% | 1,800 |
| Memoranda: | ||
| Average total assets | $241,731,750 | 2,802 |
| Average earning assets | $225,503,000 | 2,797 |
| Average equity | $20,401,250 | 3,215 |
| Average total loans | $144,376,500 | 2,722 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6475% | 581 |
| Cost of funding earning assets | 0.3462% | 2,345 |
| Net interest margin | 4.3013% | 493 |
| Noninterest income to average assets | 1.9076% | 358 |
| Noninterest expense to average assets | 3.8984% | 313 |
| Loan and lease loss provision to assets | 0.6549% | 65 |
| Net operating income to assets | 1.1768% | 2,269 |
| Return on assets (ROA) | 1.2981% | 1,948 |
| Pretax return on assets | 1.5013% | 2,013 |
| Return on Equity (ROE) | 15.6325% | 1,033 |
| Retained earnings to average equity (ytd only) | 15.6325% | 368 |
| Net charge-offs to loans | 1.4847% | 45 |
| Credit loss provision to net charge-offs | 73.3083% | 1,509 |
| Earnings coverage of net charge-offs (x) | 2.2556% | 2,135 |
| Efficiency ratio | 65.9236% | 2,167 |
| Assets per employee ($millions) | 3.7913% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6772% | 1,112 |
| Loan loss allowance to noncurrent loans | 116.5768% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.8537% | 914 |
| Noncurrent loans to loans | 1.4387% | 804 |
| Net loans and leases to total assets | 58.3423% | 2,620 |
| Net loans and leases to deposits | 65.7684% | 2,842 |
| Net loans and leases to core deposits | 82.8345% | 1,652 |
| Total domestic deposits to total assets | 88.7088% | 1,447 |
| Equity capital to assets | 8.8169% | 3,958 |
| Core capital (leverage) ratio | 9.3886% | 3,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0145% | 2,364 |
| Memoranda: | ||
| Average total assets | $238,201,000 | 2,819 |
| Average earning assets | $221,840,333 | 2,819 |
| Average equity | $19,779,333 | 3,268 |
| Average total loans | $143,329,000 | 2,751 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 1,113 |
| Cost of funding earning assets | 0.3575% | 2,466 |
| Net interest margin | 3.8940% | 995 |
| Noninterest income to average assets | 2.4618% | 272 |
| Noninterest expense to average assets | 3.7919% | 336 |
| Loan and lease loss provision to assets | 1.2107% | 31 |
| Net operating income to assets | 0.9495% | 2,972 |
| Return on assets (ROA) | 1.1552% | 2,383 |
| Pretax return on assets | 1.3200% | 2,514 |
| Return on Equity (ROE) | 14.3577% | 1,363 |
| Retained earnings to average equity (ytd only) | 14.3577% | 717 |
| Net charge-offs to loans | 2.9751% | 20 |
| Credit loss provision to net charge-offs | 67.1642% | 1,258 |
| Earnings coverage of net charge-offs (x) | 1.2743% | 1,859 |
| Efficiency ratio | 62.2756% | 2,707 |
| Assets per employee ($millions) | 3.6184% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 1,293 |
| Loan loss allowance to noncurrent loans | 72.6101% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.3521% | 510 |
| Noncurrent loans to loans | 2.2058% | 454 |
| Net loans and leases to total assets | 60.3133% | 2,505 |
| Net loans and leases to deposits | 66.8273% | 2,829 |
| Net loans and leases to core deposits | 84.0060% | 1,681 |
| Total domestic deposits to total assets | 90.2524% | 696 |
| Equity capital to assets | 8.7493% | 3,914 |
| Core capital (leverage) ratio | 9.1597% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5371% | 2,475 |
| Memoranda: | ||
| Average total assets | $237,877,000 | 2,811 |
| Average earning assets | $221,569,000 | 2,807 |
| Average equity | $19,139,500 | 3,315 |
| Average total loans | $144,130,000 | 2,747 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9338% | 563 |
| Cost of funding earning assets | 0.5394% | 2,687 |
| Net interest margin | 4.3944% | 411 |
| Noninterest income to average assets | 1.3189% | 664 |
| Noninterest expense to average assets | 3.8542% | 432 |
| Loan and lease loss provision to assets | 0.2688% | 1,431 |
| Net operating income to assets | 1.0940% | 1,948 |
| Return on assets (ROA) | 1.3298% | 1,273 |
| Pretax return on assets | 1.5227% | 1,257 |
| Return on Equity (ROE) | 18.9164% | 283 |
| Retained earnings to average equity (ytd only) | 13.7142% | 202 |
| Net charge-offs to loans | -0.0028% | 4,032 |
| Credit loss provision to net charge-offs | -14,700.0000% | 4,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7105% | 1,718 |
| Assets per employee ($millions) | 3.6448% | 4,584 |
| Cash dividends to net income (ytd only)* | 27.5009% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8467% | 791 |
| Loan loss allowance to noncurrent loans | 64.4935% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.7152% | 377 |
| Noncurrent loans to loans | 2.8634% | 320 |
| Net loans and leases to total assets | 58.7948% | 3,003 |
| Net loans and leases to deposits | 64.2378% | 3,418 |
| Net loans and leases to core deposits | 87.3886% | 1,753 |
| Total domestic deposits to total assets | 91.5267% | 129 |
| Equity capital to assets | 7.3583% | 4,865 |
| Core capital (leverage) ratio | 8.7289% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5321% | 2,795 |
| Memoranda: | ||
| Average total assets | $218,749,600 | 2,804 |
| Average earning assets | $201,892,000 | 2,808 |
| Average equity | $15,378,200 | 3,624 |
| Average total loans | $140,999,400 | 2,743 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0975% | 506 |
| Cost of funding earning assets | 0.5830% | 2,723 |
| Net interest margin | 4.5146% | 360 |
| Noninterest income to average assets | 1.2421% | 703 |
| Noninterest expense to average assets | 3.6761% | 554 |
| Loan and lease loss provision to assets | 0.1739% | 2,244 |
| Net operating income to assets | 1.3452% | 1,246 |
| Return on assets (ROA) | 1.5177% | 946 |
| Pretax return on assets | 1.7559% | 858 |
| Return on Equity (ROE) | 21.8770% | 178 |
| Retained earnings to average equity (ytd only) | 21.8770% | 64 |
| Net charge-offs to loans | -0.0048% | 4,037 |
| Credit loss provision to net charge-offs | -5,560.0000% | 4,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0120% | 2,193 |
| Assets per employee ($millions) | 3.6498% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 1,130 |
| Loan loss allowance to noncurrent loans | 70.8007% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.3791% | 656 |
| Noncurrent loans to loans | 2.2459% | 510 |
| Net loans and leases to total assets | 60.4280% | 3,178 |
| Net loans and leases to deposits | 66.3863% | 3,591 |
| Net loans and leases to core deposits | 90.9024% | 1,895 |
| Total domestic deposits to total assets | 91.0248% | 169 |
| Equity capital to assets | 6.9290% | 4,961 |
| Core capital (leverage) ratio | 9.1060% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5742% | 2,767 |
| Memoranda: | ||
| Average total assets | $213,297,750 | 2,824 |
| Average earning assets | $196,691,250 | 2,839 |
| Average equity | $14,797,500 | 3,676 |
| Average total loans | $140,225,250 | 2,757 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 543 |
| Cost of funding earning assets | 0.6563% | 2,653 |
| Net interest margin | 4.5634% | 439 |
| Noninterest income to average assets | 1.0299% | 930 |
| Noninterest expense to average assets | 3.5786% | 676 |
| Loan and lease loss provision to assets | 0.2136% | 1,942 |
| Net operating income to assets | 1.2615% | 1,457 |
| Return on assets (ROA) | 1.3434% | 1,338 |
| Pretax return on assets | 1.5277% | 1,397 |
| Return on Equity (ROE) | 19.3557% | 274 |
| Retained earnings to average equity (ytd only) | 19.3557% | 99 |
| Net charge-offs to loans | 0.0015% | 2,971 |
| Credit loss provision to net charge-offs | 21,800.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,682.0000% | 43 |
| Efficiency ratio | 68.4664% | 2,174 |
| Assets per employee ($millions) | 3.8724% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 1,154 |
| Loan loss allowance to noncurrent loans | 1,393.9024% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 4,166 |
| Noncurrent loans to loans | 0.1104% | 4,014 |
| Net loans and leases to total assets | 64.0119% | 2,879 |
| Net loans and leases to deposits | 69.7129% | 3,440 |
| Net loans and leases to core deposits | 97.6484% | 1,441 |
| Total domestic deposits to total assets | 91.8222% | 61 |
| Equity capital to assets | 6.0826% | 5,035 |
| Core capital (leverage) ratio | 9.4339% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3344% | 2,875 |
| Memoranda: | ||
| Average total assets | $204,102,000 | 2,873 |
| Average earning assets | $187,710,333 | 2,890 |
| Average equity | $14,166,333 | 3,743 |
| Average total loans | $137,662,333 | 2,773 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3374% | 512 |
| Cost of funding earning assets | 0.7755% | 2,516 |
| Net interest margin | 4.5620% | 437 |
| Noninterest income to average assets | 0.8441% | 1,175 |
| Noninterest expense to average assets | 3.5682% | 848 |
| Loan and lease loss provision to assets | 0.1021% | 2,409 |
| Net operating income to assets | 1.1985% | 1,518 |
| Return on assets (ROA) | 1.3339% | 1,240 |
| Pretax return on assets | 1.5069% | 1,287 |
| Return on Equity (ROE) | 17.9008% | 275 |
| Retained earnings to average equity (ytd only) | 17.9008% | 92 |
| Net charge-offs to loans | -0.0030% | 3,724 |
| Credit loss provision to net charge-offs | -4,900.0000% | 3,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0079% | 2,216 |
| Assets per employee ($millions) | 3.4110% | 4,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 1,111 |
| Loan loss allowance to noncurrent loans | 1,246.4706% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 4,183 |
| Noncurrent loans to loans | 0.1271% | 4,012 |
| Net loans and leases to total assets | 65.4239% | 2,885 |
| Net loans and leases to deposits | 72.8562% | 3,368 |
| Net loans and leases to core deposits | 104.0139% | 1,184 |
| Total domestic deposits to total assets | 89.7987% | 387 |
| Equity capital to assets | 5.5652% | 5,107 |
| Core capital (leverage) ratio | 10.3935% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3979% | 2,972 |
| Memoranda: | ||
| Average total assets | $191,916,500 | 2,935 |
| Average earning assets | $175,889,500 | 2,959 |
| Average equity | $14,301,000 | 3,735 |
| Average total loans | $132,225,500 | 2,809 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9884% | 230 |
| Cost of funding earning assets | 0.7205% | 3,066 |
| Net interest margin | 5.2680% | 165 |
| Noninterest income to average assets | 1.0444% | 870 |
| Noninterest expense to average assets | 4.1156% | 463 |
| Loan and lease loss provision to assets | 0.0071% | 3,865 |
| Net operating income to assets | 1.5676% | 898 |
| Return on assets (ROA) | 1.5816% | 927 |
| Pretax return on assets | 1.8001% | 937 |
| Return on Equity (ROE) | 15.4905% | 609 |
| Retained earnings to average equity (ytd only) | 8.3885% | 862 |
| Net charge-offs to loans | 0.0223% | 2,967 |
| Credit loss provision to net charge-offs | 42.8571% | 3,178 |
| Earnings coverage of net charge-offs (x) | 108.6071% | 638 |
| Efficiency ratio | 69.6749% | 2,225 |
| Assets per employee ($millions) | 3.3197% | 4,627 |
| Cash dividends to net income (ytd only)* | 45.8473% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 1,013 |
| Loan loss allowance to noncurrent loans | 1,175.5682% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 4,140 |
| Noncurrent loans to loans | 0.1347% | 3,983 |
| Net loans and leases to total assets | 70.4322% | 2,322 |
| Net loans and leases to deposits | 83.4039% | 2,398 |
| Net loans and leases to core deposits | 106.6566% | 1,072 |
| Total domestic deposits to total assets | 84.4472% | 2,706 |
| Equity capital to assets | 9.5310% | 4,328 |
| Core capital (leverage) ratio | 10.8727% | 2,616 |
| Tier 1 risk-based capital ratio | 11.3281% | 4,717 |
| Total risk-based capital ratio | 12.5738% | 4,608 |
| Memoranda: | ||
| Average total assets | $169,766,800 | 3,113 |
| Average earning assets | $156,702,200 | 3,116 |
| Average equity | $17,333,200 | 3,401 |
| Average total loans | $125,501,400 | 2,872 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9135% | 282 |
| Cost of funding earning assets | 0.6955% | 3,241 |
| Net interest margin | 5.2180% | 193 |
| Noninterest income to average assets | 1.0662% | 806 |
| Noninterest expense to average assets | 4.0688% | 491 |
| Loan and lease loss provision to assets | 0.0072% | 3,741 |
| Net operating income to assets | 1.5875% | 963 |
| Return on assets (ROA) | 1.6002% | 974 |
| Pretax return on assets | 1.8211% | 1,034 |
| Return on Equity (ROE) | 15.3919% | 699 |
| Retained earnings to average equity (ytd only) | 11.8885% | 398 |
| Net charge-offs to loans | 0.0075% | 3,111 |
| Credit loss provision to net charge-offs | 128.5714% | 1,840 |
| Earnings coverage of net charge-offs (x) | 323.8221% | 299 |
| Efficiency ratio | 69.1659% | 2,232 |
| Assets per employee ($millions) | 3.1826% | 4,771 |
| Cash dividends to net income (ytd only)* | 22.7613% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 863 |
| Loan loss allowance to noncurrent loans | 1,346.4516% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 4,273 |
| Noncurrent loans to loans | 0.1243% | 4,092 |
| Net loans and leases to total assets | 70.0373% | 2,470 |
| Net loans and leases to deposits | 82.9526% | 2,573 |
| Net loans and leases to core deposits | 105.8698% | 1,192 |
| Total domestic deposits to total assets | 84.4305% | 2,657 |
| Equity capital to assets | 9.6246% | 4,360 |
| Core capital (leverage) ratio | 11.4664% | 2,245 |
| Tier 1 risk-based capital ratio | 11.8912% | 4,465 |
| Total risk-based capital ratio | 13.1416% | 4,358 |
| Memoranda: | ||
| Average total assets | $166,562,500 | 3,169 |
| Average earning assets | $153,745,250 | 3,180 |
| Average equity | $17,316,000 | 3,431 |
| Average total loans | $124,210,000 | 2,919 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9321% | 267 |
| Cost of funding earning assets | 0.6850% | 3,249 |
| Net interest margin | 5.2472% | 182 |
| Noninterest income to average assets | 1.0725% | 740 |
| Noninterest expense to average assets | 4.0602% | 494 |
| Loan and lease loss provision to assets | 0.0073% | 3,582 |
| Net operating income to assets | 1.6138% | 874 |
| Return on assets (ROA) | 1.6233% | 903 |
| Pretax return on assets | 1.8628% | 907 |
| Return on Equity (ROE) | 15.2126% | 722 |
| Retained earnings to average equity (ytd only) | 10.0044% | 755 |
| Net charge-offs to loans | 0.0064% | 2,925 |
| Credit loss provision to net charge-offs | 150.0000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 380.5000% | 207 |
| Efficiency ratio | 68.5927% | 2,431 |
| Assets per employee ($millions) | 3.0911% | 4,849 |
| Cash dividends to net income (ytd only)* | 34.2363% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6984% | 821 |
| Loan loss allowance to noncurrent loans | 790.5303% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 3,958 |
| Noncurrent loans to loans | 0.2148% | 3,772 |
| Net loans and leases to total assets | 73.7328% | 1,931 |
| Net loans and leases to deposits | 86.6771% | 2,176 |
| Net loans and leases to core deposits | 108.5203% | 1,065 |
| Total domestic deposits to total assets | 85.0660% | 2,446 |
| Equity capital to assets | 10.4219% | 3,588 |
| Core capital (leverage) ratio | 11.2853% | 2,345 |
| Tier 1 risk-based capital ratio | 11.8091% | 4,516 |
| Total risk-based capital ratio | 13.0602% | 4,415 |
| Memoranda: | ||
| Average total assets | $163,736,330 | 3,213 |
| Average earning assets | $151,244,000 | 3,213 |
| Average equity | $17,472,330 | 3,420 |
| Average total loans | $124,053,000 | 2,937 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7431% | 340 |
| Cost of funding earning assets | 0.6601% | 3,263 |
| Net interest margin | 5.0830% | 252 |
| Noninterest income to average assets | 0.8064% | 1,287 |
| Noninterest expense to average assets | 4.0051% | 535 |
| Loan and lease loss provision to assets | 0.0073% | 3,339 |
| Net operating income to assets | 1.3646% | 1,474 |
| Return on assets (ROA) | 1.3758% | 1,472 |
| Pretax return on assets | 1.5102% | 1,728 |
| Return on Equity (ROE) | 12.7437% | 1,308 |
| Retained earnings to average equity (ytd only) | 12.7437% | 505 |
| Net charge-offs to loans | 0.0160% | 2,156 |
| Credit loss provision to net charge-offs | 60.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 123.2000% | 577 |
| Efficiency ratio | 72.6829% | 1,929 |
| Assets per employee ($millions) | 3.0887% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 965 |
| Loan loss allowance to noncurrent loans | 262.6734% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 2,677 |
| Noncurrent loans to loans | 0.6279% | 2,444 |
| Net loans and leases to total assets | 75.8798% | 1,503 |
| Net loans and leases to deposits | 89.2247% | 1,726 |
| Net loans and leases to core deposits | 109.8110% | 940 |
| Total domestic deposits to total assets | 85.0435% | 2,664 |
| Equity capital to assets | 10.7892% | 3,060 |
| Core capital (leverage) ratio | 11.0998% | 2,477 |
| Tier 1 risk-based capital ratio | 11.5409% | 4,724 |
| Total risk-based capital ratio | 12.7919% | 4,610 |
| Memoranda: | ||
| Average total assets | $163,690,500 | 3,258 |
| Average earning assets | $151,485,000 | 3,253 |
| Average equity | $17,671,500 | 3,387 |
| Average total loans | $124,638,500 | 2,969 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2863% | 597 |
| Cost of funding earning assets | 0.5842% | 2,825 |
| Net interest margin | 4.7020% | 487 |
| Noninterest income to average assets | 1.0759% | 802 |
| Noninterest expense to average assets | 3.8051% | 677 |
| Loan and lease loss provision to assets | 0.0074% | 3,973 |
| Net operating income to assets | 1.3974% | 1,442 |
| Return on assets (ROA) | 1.4524% | 1,256 |
| Pretax return on assets | 1.6793% | 1,219 |
| Return on Equity (ROE) | 13.4933% | 1,174 |
| Retained earnings to average equity (ytd only) | 9.3623% | 762 |
| Net charge-offs to loans | 0.0298% | 2,806 |
| Credit loss provision to net charge-offs | 35.2941% | 3,319 |
| Earnings coverage of net charge-offs (x) | 76.9706% | 881 |
| Efficiency ratio | 70.1017% | 2,165 |
| Assets per employee ($millions) | 3.0883% | 4,933 |
| Cash dividends to net income (ytd only)* | 30.6149% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 841 |
| Loan loss allowance to noncurrent loans | 490.5882% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 3,548 |
| Noncurrent loans to loans | 0.3456% | 3,308 |
| Net loans and leases to total assets | 73.8594% | 1,962 |
| Net loans and leases to deposits | 85.3764% | 2,361 |
| Net loans and leases to core deposits | 102.7373% | 1,522 |
| Total domestic deposits to total assets | 86.5103% | 2,011 |
| Equity capital to assets | 10.8022% | 2,882 |
| Core capital (leverage) ratio | 10.4971% | 3,029 |
| Tier 1 risk-based capital ratio | 11.6490% | 4,645 |
| Total risk-based capital ratio | 12.9003% | 4,533 |
| Memoranda: | ||
| Average total assets | $161,255,600 | 3,260 |
| Average earning assets | $149,254,400 | 3,252 |
| Average equity | $17,356,800 | 3,356 |
| Average total loans | $113,998,400 | 3,079 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1992% | 629 |
| Cost of funding earning assets | 0.5797% | 2,635 |
| Net interest margin | 4.6195% | 572 |
| Noninterest income to average assets | 1.0764% | 814 |
| Noninterest expense to average assets | 3.7663% | 691 |
| Loan and lease loss provision to assets | 0.0075% | 3,825 |
| Net operating income to assets | 1.3709% | 1,588 |
| Return on assets (ROA) | 1.4084% | 1,455 |
| Pretax return on assets | 1.6250% | 1,503 |
| Return on Equity (ROE) | 13.0970% | 1,394 |
| Retained earnings to average equity (ytd only) | 12.8269% | 382 |
| Net charge-offs to loans | 0.0406% | 2,278 |
| Credit loss provision to net charge-offs | 26.4706% | 2,985 |
| Earnings coverage of net charge-offs (x) | 56.3263% | 1,097 |
| Efficiency ratio | 70.3239% | 2,146 |
| Assets per employee ($millions) | 3.2487% | 4,836 |
| Cash dividends to net income (ytd only)* | 2.0627% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 748 |
| Loan loss allowance to noncurrent loans | 571.9780% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 3,820 |
| Noncurrent loans to loans | 0.3123% | 3,553 |
| Net loans and leases to total assets | 70.4678% | 2,570 |
| Net loans and leases to deposits | 82.2212% | 2,789 |
| Net loans and leases to core deposits | 101.0800% | 1,693 |
| Total domestic deposits to total assets | 85.7051% | 2,325 |
| Equity capital to assets | 11.3953% | 2,336 |
| Core capital (leverage) ratio | 10.9072% | 2,670 |
| Tier 1 risk-based capital ratio | 12.0452% | 4,481 |
| Total risk-based capital ratio | 13.2975% | 4,361 |
| Memoranda: | ||
| Average total assets | $160,649,500 | 3,293 |
| Average earning assets | $148,814,500 | 3,284 |
| Average equity | $17,275,750 | 3,395 |
| Average total loans | $111,753,500 | 3,137 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7309% | 1,427 |
| Cost of funding earning assets | 0.5617% | 2,505 |
| Net interest margin | 4.1691% | 1,355 |
| Noninterest income to average assets | 1.0521% | 875 |
| Noninterest expense to average assets | 3.7137% | 742 |
| Loan and lease loss provision to assets | 0.0075% | 3,692 |
| Net operating income to assets | 1.0731% | 2,699 |
| Return on assets (ROA) | 1.1046% | 2,571 |
| Pretax return on assets | 1.2333% | 2,802 |
| Return on Equity (ROE) | 10.4837% | 2,335 |
| Retained earnings to average equity (ytd only) | 10.0686% | 907 |
| Net charge-offs to loans | 0.0454% | 1,963 |
| Credit loss provision to net charge-offs | 24.0000% | 2,664 |
| Earnings coverage of net charge-offs (x) | 38.6000% | 1,328 |
| Efficiency ratio | 75.4890% | 1,494 |
| Assets per employee ($millions) | 3.1534% | 4,980 |
| Cash dividends to net income (ytd only)* | 3.9593% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8720% | 668 |
| Loan loss allowance to noncurrent loans | 348.5810% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 3,255 |
| Noncurrent loans to loans | 0.5370% | 2,808 |
| Net loans and leases to total assets | 68.0583% | 2,859 |
| Net loans and leases to deposits | 78.6367% | 3,096 |
| Net loans and leases to core deposits | 96.1784% | 2,047 |
| Total domestic deposits to total assets | 86.5478% | 2,036 |
| Equity capital to assets | 10.8238% | 2,814 |
| Core capital (leverage) ratio | 10.2827% | 3,253 |
| Tier 1 risk-based capital ratio | 12.2503% | 4,341 |
| Total risk-based capital ratio | 13.5036% | 4,215 |
| Memoranda: | ||
| Average total assets | $160,054,000 | 3,323 |
| Average earning assets | $148,472,000 | 3,311 |
| Average equity | $16,864,330 | 3,455 |
| Average total loans | $110,155,670 | 3,167 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 1,552 |
| Cost of funding earning assets | 0.5401% | 2,479 |
| Net interest margin | 4.0640% | 1,530 |
| Noninterest income to average assets | 0.9069% | 1,133 |
| Noninterest expense to average assets | 3.6650% | 808 |
| Loan and lease loss provision to assets | 0.0075% | 3,413 |
| Net operating income to assets | 0.9297% | 3,161 |
| Return on assets (ROA) | 0.9670% | 3,026 |
| Pretax return on assets | 1.0447% | 3,378 |
| Return on Equity (ROE) | 9.3051% | 2,766 |
| Retained earnings to average equity (ytd only) | 9.3051% | 1,364 |
| Net charge-offs to loans | -0.0073% | 4,135 |
| Credit loss provision to net charge-offs | -150.0000% | 3,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3610% | 1,318 |
| Assets per employee ($millions) | 3.4785% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9239% | 635 |
| Loan loss allowance to noncurrent loans | 269.0446% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 2,936 |
| Noncurrent loans to loans | 0.7151% | 2,425 |
| Net loans and leases to total assets | 65.8540% | 3,054 |
| Net loans and leases to deposits | 74.5838% | 3,359 |
| Net loans and leases to core deposits | 91.1572% | 2,363 |
| Total domestic deposits to total assets | 88.2952% | 1,463 |
| Equity capital to assets | 10.3854% | 3,184 |
| Core capital (leverage) ratio | 10.2777% | 3,210 |
| Tier 1 risk-based capital ratio | 12.0810% | 4,509 |
| Total risk-based capital ratio | 13.3346% | 4,392 |
| Memoranda: | ||
| Average total assets | $159,670,500 | 3,359 |
| Average earning assets | $148,131,000 | 3,360 |
| Average equity | $16,593,000 | 3,517 |
| Average total loans | $109,463,500 | 3,201 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7600% | 1,057 |
| Cost of funding earning assets | 0.4776% | 2,523 |
| Net interest margin | 4.2824% | 1,003 |
| Noninterest income to average assets | 1.2097% | 713 |
| Noninterest expense to average assets | 3.7590% | 734 |
| Loan and lease loss provision to assets | 0.0081% | 4,105 |
| Net operating income to assets | 1.0801% | 1,933 |
| Return on assets (ROA) | 1.2218% | 1,474 |
| Pretax return on assets | 1.5801% | 1,348 |
| Return on Equity (ROE) | 11.6657% | 1,300 |
| Retained earnings to average equity (ytd only) | 8.2134% | 689 |
| Net charge-offs to loans | 0.0028% | 4,011 |
| Credit loss provision to net charge-offs | 400.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 696.3333% | 118 |
| Efficiency ratio | 72.8066% | 2,100 |
| Assets per employee ($millions) | 3.1807% | 5,051 |
| Cash dividends to net income (ytd only)* | 29.5930% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9304% | 612 |
| Loan loss allowance to noncurrent loans | 263.7046% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 2,848 |
| Noncurrent loans to loans | 0.7320% | 2,384 |
| Net loans and leases to total assets | 68.6831% | 2,730 |
| Net loans and leases to deposits | 77.9659% | 3,115 |
| Net loans and leases to core deposits | 94.3668% | 2,162 |
| Total domestic deposits to total assets | 88.0938% | 1,447 |
| Equity capital to assets | 10.3990% | 3,271 |
| Core capital (leverage) ratio | 10.2846% | 3,085 |
| Tier 1 risk-based capital ratio | 11.7100% | 4,712 |
| Total risk-based capital ratio | 12.9637% | 4,591 |
| Memoranda: | ||
| Average total assets | $148,791,200 | 3,487 |
| Average earning assets | $137,352,400 | 3,484 |
| Average equity | $15,584,200 | 3,646 |
| Average total loans | $107,525,800 | 3,219 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 1,292 |
| Cost of funding earning assets | 0.4711% | 2,512 |
| Net interest margin | 4.1579% | 1,261 |
| Noninterest income to average assets | 1.2125% | 711 |
| Noninterest expense to average assets | 3.6392% | 826 |
| Loan and lease loss provision to assets | 0.0082% | 3,970 |
| Net operating income to assets | 1.0579% | 2,293 |
| Return on assets (ROA) | 1.2406% | 1,571 |
| Pretax return on assets | 1.6396% | 1,283 |
| Return on Equity (ROE) | 11.8220% | 1,389 |
| Retained earnings to average equity (ytd only) | 11.8220% | 311 |
| Net charge-offs to loans | -0.0137% | 4,735 |
| Credit loss provision to net charge-offs | -81.8182% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1114% | 2,191 |
| Assets per employee ($millions) | 3.1560% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9054% | 692 |
| Loan loss allowance to noncurrent loans | 323.8532% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 3,330 |
| Noncurrent loans to loans | 0.5884% | 2,937 |
| Net loans and leases to total assets | 70.5081% | 2,482 |
| Net loans and leases to deposits | 80.0690% | 2,969 |
| Net loans and leases to core deposits | 92.5879% | 2,389 |
| Total domestic deposits to total assets | 88.0592% | 1,333 |
| Equity capital to assets | 10.3372% | 3,550 |
| Core capital (leverage) ratio | 10.6692% | 2,802 |
| Tier 1 risk-based capital ratio | 11.7489% | 4,807 |
| Total risk-based capital ratio | 13.0028% | 4,676 |
| Memoranda: | ||
| Average total assets | $147,026,000 | 3,536 |
| Average earning assets | $135,579,000 | 3,541 |
| Average equity | $15,428,500 | 3,695 |
| Average total loans | $107,119,500 | 3,254 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 1,399 |
| Cost of funding earning assets | 0.4753% | 2,373 |
| Net interest margin | 4.0720% | 1,399 |
| Noninterest income to average assets | 1.2029% | 709 |
| Noninterest expense to average assets | 3.7014% | 771 |
| Loan and lease loss provision to assets | 0.0083% | 3,760 |
| Net operating income to assets | 1.0166% | 2,349 |
| Return on assets (ROA) | 1.1960% | 1,643 |
| Pretax return on assets | 1.4590% | 1,799 |
| Return on Equity (ROE) | 11.3366% | 1,519 |
| Retained earnings to average equity (ytd only) | 11.3366% | 394 |
| Net charge-offs to loans | -0.0246% | 4,856 |
| Credit loss provision to net charge-offs | -46.1538% | 4,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7763% | 1,886 |
| Assets per employee ($millions) | 2.9067% | 5,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9082% | 715 |
| Loan loss allowance to noncurrent loans | 318.3459% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 3,319 |
| Noncurrent loans to loans | 0.5994% | 2,935 |
| Net loans and leases to total assets | 73.4104% | 1,973 |
| Net loans and leases to deposits | 85.3697% | 2,301 |
| Net loans and leases to core deposits | 96.3804% | 1,947 |
| Total domestic deposits to total assets | 85.9911% | 2,380 |
| Equity capital to assets | 10.6157% | 3,208 |
| Core capital (leverage) ratio | 10.6032% | 2,812 |
| Tier 1 risk-based capital ratio | 11.1768% | 5,162 |
| Total risk-based capital ratio | 12.4301% | 5,047 |
| Memoranda: | ||
| Average total assets | $144,486,000 | 3,588 |
| Average earning assets | $132,957,670 | 3,608 |
| Average equity | $15,242,670 | 3,728 |
| Average total loans | $105,774,000 | 3,285 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 1,894 |
| Cost of funding earning assets | 0.4777% | 2,268 |
| Net interest margin | 3.8458% | 1,964 |
| Noninterest income to average assets | 1.1051% | 814 |
| Noninterest expense to average assets | 3.6379% | 845 |
| Loan and lease loss provision to assets | 0.0084% | 3,449 |
| Net operating income to assets | 0.7579% | 3,440 |
| Return on assets (ROA) | 1.0350% | 2,194 |
| Pretax return on assets | 1.3688% | 1,992 |
| Return on Equity (ROE) | 9.8430% | 2,031 |
| Retained earnings to average equity (ytd only) | 9.8430% | 843 |
| Net charge-offs to loans | -0.0543% | 5,219 |
| Credit loss provision to net charge-offs | -21.4286% | 3,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2268% | 1,598 |
| Assets per employee ($millions) | 2.8878% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0243% | 644 |
| Loan loss allowance to noncurrent loans | 332.5472% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 3,428 |
| Noncurrent loans to loans | 0.6087% | 3,000 |
| Net loans and leases to total assets | 70.8964% | 2,236 |
| Net loans and leases to deposits | 80.6149% | 2,666 |
| Net loans and leases to core deposits | 90.9235% | 2,277 |
| Total domestic deposits to total assets | 87.9445% | 1,746 |
| Equity capital to assets | 10.6461% | 3,020 |
| Core capital (leverage) ratio | 10.5950% | 2,797 |
| Tier 1 risk-based capital ratio | 11.3418% | 5,119 |
| Total risk-based capital ratio | 12.5963% | 5,023 |
| Memoranda: | ||
| Average total assets | $142,608,000 | 3,657 |
| Average earning assets | $131,467,000 | 3,656 |
| Average equity | $14,995,500 | 3,788 |
| Average total loans | $103,190,000 | 3,360 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4571% | 1,661 |
| Cost of funding earning assets | 0.5433% | 1,767 |
| Net interest margin | 3.9139% | 1,925 |
| Noninterest income to average assets | 1.1099% | 934 |
| Noninterest expense to average assets | 3.6223% | 981 |
| Loan and lease loss provision to assets | 0.0746% | 2,862 |
| Net operating income to assets | 0.8600% | 3,025 |
| Return on assets (ROA) | 0.9030% | 2,919 |
| Pretax return on assets | 1.0727% | 3,210 |
| Return on Equity (ROE) | 9.0995% | 2,370 |
| Retained earnings to average equity (ytd only) | 6.4470% | 1,476 |
| Net charge-offs to loans | -0.0010% | 4,652 |
| Credit loss provision to net charge-offs | -10,200.0000% | 5,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7705% | 1,884 |
| Assets per employee ($millions) | 3.8061% | 4,297 |
| Cash dividends to net income (ytd only)* | 29.1498% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0589% | 593 |
| Loan loss allowance to noncurrent loans | 241.4269% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6171% | 2,880 |
| Noncurrent loans to loans | 0.8528% | 2,399 |
| Net loans and leases to total assets | 70.8674% | 2,355 |
| Net loans and leases to deposits | 81.6773% | 2,704 |
| Net loans and leases to core deposits | 92.7026% | 2,235 |
| Total domestic deposits to total assets | 86.7651% | 2,256 |
| Equity capital to assets | 10.3810% | 3,295 |
| Core capital (leverage) ratio | 10.2778% | 3,137 |
| Tier 1 risk-based capital ratio | 11.2053% | 5,214 |
| Total risk-based capital ratio | 12.4594% | 5,110 |
| Memoranda: | ||
| Average total assets | $136,763,200 | 3,720 |
| Average earning assets | $126,090,400 | 3,721 |
| Average equity | $13,572,200 | 4,012 |
| Average total loans | $96,397,200 | 3,454 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 2,371 |
| Cost of funding earning assets | 0.5581% | 1,625 |
| Net interest margin | 3.6838% | 2,779 |
| Noninterest income to average assets | 1.0863% | 962 |
| Noninterest expense to average assets | 3.6832% | 875 |
| Loan and lease loss provision to assets | 0.0884% | 2,464 |
| Net operating income to assets | 0.6438% | 4,108 |
| Return on assets (ROA) | 0.8074% | 3,473 |
| Pretax return on assets | 0.8918% | 4,006 |
| Return on Equity (ROE) | 8.2339% | 2,887 |
| Retained earnings to average equity (ytd only) | 8.2339% | 1,072 |
| Net charge-offs to loans | -0.0070% | 4,687 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1468% | 1,175 |
| Assets per employee ($millions) | 2.7130% | 5,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2046% | 515 |
| Loan loss allowance to noncurrent loans | 163.7931% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 2,256 |
| Noncurrent loans to loans | 1.3459% | 1,637 |
| Net loans and leases to total assets | 67.0066% | 2,955 |
| Net loans and leases to deposits | 75.3011% | 3,468 |
| Net loans and leases to core deposits | 85.2941% | 3,010 |
| Total domestic deposits to total assets | 88.9849% | 917 |
| Equity capital to assets | 9.8067% | 4,355 |
| Core capital (leverage) ratio | 10.3932% | 3,116 |
| Tier 1 risk-based capital ratio | 11.7414% | 4,958 |
| Total risk-based capital ratio | 12.9967% | 4,853 |
| Memoranda: | ||
| Average total assets | $135,747,750 | 3,755 |
| Average earning assets | $125,194,500 | 3,751 |
| Average equity | $13,310,500 | 4,080 |
| Average total loans | $95,022,250 | 3,489 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4436% | 1,697 |
| Cost of funding earning assets | 0.5820% | 1,459 |
| Net interest margin | 3.8617% | 2,104 |
| Noninterest income to average assets | 1.0128% | 1,087 |
| Noninterest expense to average assets | 3.6256% | 971 |
| Loan and lease loss provision to assets | 0.0890% | 2,365 |
| Net operating income to assets | 0.5713% | 4,393 |
| Return on assets (ROA) | 0.9031% | 2,979 |
| Pretax return on assets | 1.2115% | 2,743 |
| Return on Equity (ROE) | 9.2103% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.2103% | 793 |
| Net charge-offs to loans | -0.0820% | 5,551 |
| Credit loss provision to net charge-offs | -153.8462% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2545% | 1,601 |
| Assets per employee ($millions) | 2.7932% | 5,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1804% | 563 |
| Loan loss allowance to noncurrent loans | 117.9054% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.2976% | 1,557 |
| Noncurrent loans to loans | 1.8493% | 1,097 |
| Net loans and leases to total assets | 68.6392% | 2,686 |
| Net loans and leases to deposits | 77.3518% | 3,226 |
| Net loans and leases to core deposits | 88.2028% | 2,708 |
| Total domestic deposits to total assets | 88.7363% | 1,048 |
| Equity capital to assets | 9.7775% | 4,477 |
| Core capital (leverage) ratio | 10.8554% | 2,587 |
| Tier 1 risk-based capital ratio | 11.3263% | 5,262 |
| Total risk-based capital ratio | 12.5801% | 5,160 |
| Memoranda: | ||
| Average total assets | $134,875,670 | 3,798 |
| Average earning assets | $124,402,330 | 3,791 |
| Average equity | $13,224,330 | 4,120 |
| Average total loans | $95,095,330 | 3,503 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 3,209 |
| Cost of funding earning assets | 0.6072% | 1,292 |
| Net interest margin | 3.3976% | 3,875 |
| Noninterest income to average assets | 1.1921% | 774 |
| Noninterest expense to average assets | 3.5763% | 1,059 |
| Loan and lease loss provision to assets | 0.0896% | 2,184 |
| Net operating income to assets | 0.4586% | 4,790 |
| Return on assets (ROA) | 0.5378% | 4,583 |
| Pretax return on assets | 0.7858% | 4,248 |
| Return on Equity (ROE) | 5.4772% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.4772% | 2,671 |
| Net charge-offs to loans | 0.0423% | 2,156 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 25.4000% | 1,294 |
| Efficiency ratio | 82.4948% | 1,331 |
| Assets per employee ($millions) | 2.8506% | 5,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1293% | 654 |
| Loan loss allowance to noncurrent loans | 105.4974% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.3959% | 1,486 |
| Noncurrent loans to loans | 2.0183% | 1,057 |
| Net loans and leases to total assets | 67.6876% | 2,693 |
| Net loans and leases to deposits | 78.6096% | 2,939 |
| Net loans and leases to core deposits | 91.0590% | 2,271 |
| Total domestic deposits to total assets | 86.1061% | 2,629 |
| Equity capital to assets | 9.6580% | 4,496 |
| Core capital (leverage) ratio | 10.4505% | 3,019 |
| Tier 1 risk-based capital ratio | 11.1046% | 5,449 |
| Total risk-based capital ratio | 12.3586% | 5,360 |
| Memoranda: | ||
| Average total assets | $133,881,000 | 3,838 |
| Average earning assets | $123,853,000 | 3,831 |
| Average equity | $13,145,500 | 4,144 |
| Average total loans | $94,624,500 | 3,518 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 2,909 |
| Cost of funding earning assets | 0.5764% | 1,534 |
| Net interest margin | 3.5260% | 3,426 |
| Noninterest income to average assets | 1.1857% | 853 |
| Noninterest expense to average assets | 3.8354% | 828 |
| Loan and lease loss provision to assets | 0.0954% | 2,403 |
| Net operating income to assets | 0.4520% | 4,881 |
| Return on assets (ROA) | 0.5105% | 4,740 |
| Pretax return on assets | 0.5535% | 4,980 |
| Return on Equity (ROE) | 4.8636% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.2424% | 2,968 |
| Net charge-offs to loans | 0.0417% | 3,383 |
| Credit loss provision to net charge-offs | 342.8571% | 869 |
| Earnings coverage of net charge-offs (x) | 21.0286% | 1,840 |
| Efficiency ratio | 86.7602% | 934 |
| Assets per employee ($millions) | 2.5673% | 5,860 |
| Cash dividends to net income (ytd only)* | 12.7726% | 4,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1085% | 680 |
| Loan loss allowance to noncurrent loans | 106.6275% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.4290% | 1,460 |
| Noncurrent loans to loans | 1.9774% | 1,064 |
| Net loans and leases to total assets | 70.7405% | 2,256 |
| Net loans and leases to deposits | 80.5983% | 2,756 |
| Net loans and leases to core deposits | 93.3022% | 2,108 |
| Total domestic deposits to total assets | 87.7692% | 1,762 |
| Equity capital to assets | 9.9869% | 3,972 |
| Core capital (leverage) ratio | 10.4157% | 3,040 |
| Tier 1 risk-based capital ratio | 10.7127% | 5,667 |
| Total risk-based capital ratio | 11.9660% | 5,583 |
| Memoranda: | ||
| Average total assets | $125,750,400 | 3,964 |
| Average earning assets | $115,371,200 | 3,975 |
| Average equity | $13,200,200 | 4,097 |
| Average total loans | $83,838,200 | 3,729 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9565% | 3,516 |
| Cost of funding earning assets | 0.5594% | 1,721 |
| Net interest margin | 3.3972% | 3,970 |
| Noninterest income to average assets | 1.2652% | 755 |
| Noninterest expense to average assets | 3.8385% | 806 |
| Loan and lease loss provision to assets | 0.0964% | 2,245 |
| Net operating income to assets | 0.4414% | 5,002 |
| Return on assets (ROA) | 0.4424% | 5,089 |
| Pretax return on assets | 0.4414% | 5,370 |
| Return on Equity (ROE) | 4.1617% | 4,971 |
| Retained earnings to average equity (ytd only) | 4.1617% | 3,502 |
| Net charge-offs to loans | 0.0460% | 2,978 |
| Credit loss provision to net charge-offs | 321.4286% | 908 |
| Earnings coverage of net charge-offs (x) | 17.8939% | 2,036 |
| Efficiency ratio | 87.7326% | 866 |
| Assets per employee ($millions) | 2.6959% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2079% | 655 |
| Loan loss allowance to noncurrent loans | 99.2951% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.5348% | 1,454 |
| Noncurrent loans to loans | 2.2236% | 982 |
| Net loans and leases to total assets | 67.4979% | 2,773 |
| Net loans and leases to deposits | 78.6569% | 3,026 |
| Net loans and leases to core deposits | 90.2406% | 2,441 |
| Total domestic deposits to total assets | 85.8131% | 2,630 |
| Equity capital to assets | 10.2093% | 3,922 |
| Core capital (leverage) ratio | 10.8368% | 2,661 |
| Tier 1 risk-based capital ratio | 11.4251% | 5,415 |
| Total risk-based capital ratio | 12.6803% | 5,329 |
| Memoranda: | ||
| Average total assets | $124,455,000 | 4,029 |
| Average earning assets | $113,935,250 | 4,042 |
| Average equity | $13,231,250 | 4,136 |
| Average total loans | $81,143,500 | 3,824 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 3,491 |
| Cost of funding earning assets | 0.5653% | 1,681 |
| Net interest margin | 3.3846% | 3,949 |
| Noninterest income to average assets | 1.2833% | 744 |
| Noninterest expense to average assets | 3.9526% | 716 |
| Loan and lease loss provision to assets | 0.0977% | 2,191 |
| Net operating income to assets | 0.3827% | 5,194 |
| Return on assets (ROA) | 0.3843% | 5,299 |
| Pretax return on assets | 0.3257% | 5,615 |
| Return on Equity (ROE) | 3.5655% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.5655% | 3,760 |
| Net charge-offs to loans | 0.0536% | 2,651 |
| Credit loss provision to net charge-offs | 285.7143% | 959 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 2,214 |
| Efficiency ratio | 90.3574% | 725 |
| Assets per employee ($millions) | 2.5273% | 6,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4804% | 498 |
| Loan loss allowance to noncurrent loans | 92.1513% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.7435% | 1,345 |
| Noncurrent loans to loans | 2.6917% | 802 |
| Net loans and leases to total assets | 63.1654% | 3,391 |
| Net loans and leases to deposits | 72.1899% | 3,705 |
| Net loans and leases to core deposits | 83.4824% | 3,034 |
| Total domestic deposits to total assets | 87.4990% | 1,904 |
| Equity capital to assets | 10.8829% | 3,011 |
| Core capital (leverage) ratio | 10.7195% | 2,711 |
| Tier 1 risk-based capital ratio | 12.1532% | 5,032 |
| Total risk-based capital ratio | 13.4090% | 4,931 |
| Memoranda: | ||
| Average total assets | $122,806,330 | 4,098 |
| Average earning assets | $112,154,670 | 4,115 |
| Average equity | $13,238,000 | 4,162 |
| Average total loans | $78,419,670 | 3,933 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9065% | 3,574 |
| Cost of funding earning assets | 0.5596% | 1,759 |
| Net interest margin | 3.3469% | 4,034 |
| Noninterest income to average assets | 1.2302% | 749 |
| Noninterest expense to average assets | 3.6583% | 1,060 |
| Loan and lease loss provision to assets | 0.0971% | 2,077 |
| Net operating income to assets | 0.5666% | 4,418 |
| Return on assets (ROA) | 0.5666% | 4,519 |
| Pretax return on assets | 0.5342% | 5,085 |
| Return on Equity (ROE) | 5.2806% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.2806% | 2,902 |
| Net charge-offs to loans | 0.0204% | 2,743 |
| Credit loss provision to net charge-offs | 750.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 48.7500% | 851 |
| Efficiency ratio | 85.2830% | 1,246 |
| Assets per employee ($millions) | 2.7388% | 5,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6638% | 424 |
| Loan loss allowance to noncurrent loans | 100.3627% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.8534% | 1,314 |
| Noncurrent loans to loans | 2.6542% | 895 |
| Net loans and leases to total assets | 56.1797% | 4,183 |
| Net loans and leases to deposits | 64.9256% | 4,278 |
| Net loans and leases to core deposits | 74.7589% | 3,711 |
| Total domestic deposits to total assets | 86.5293% | 2,651 |
| Equity capital to assets | 10.5743% | 3,458 |
| Core capital (leverage) ratio | 10.6702% | 2,778 |
| Tier 1 risk-based capital ratio | 9.9691% | 6,177 |
| Total risk-based capital ratio | 11.2185% | 6,137 |
| Memoranda: | ||
| Average total assets | $123,554,500 | 4,113 |
| Average earning assets | $112,940,000 | 4,119 |
| Average equity | $13,256,000 | 4,189 |
| Average total loans | $78,342,000 | 3,950 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 4,460 |
| Cost of funding earning assets | 0.5350% | 2,334 |
| Net interest margin | 3.2762% | 4,663 |
| Noninterest income to average assets | 1.1927% | 849 |
| Noninterest expense to average assets | 3.6339% | 1,242 |
| Loan and lease loss provision to assets | 0.1791% | 1,434 |
| Net operating income to assets | 0.3448% | 5,394 |
| Return on assets (ROA) | 0.6131% | 4,411 |
| Pretax return on assets | 0.7357% | 4,489 |
| Return on Equity (ROE) | 5.9720% | 4,161 |
| Retained earnings to average equity (ytd only) | 4.4209% | 3,034 |
| Net charge-offs to loans | -0.0359% | 5,835 |
| Credit loss provision to net charge-offs | -750.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9996% | 1,169 |
| Assets per employee ($millions) | 2.5771% | 6,121 |
| Cash dividends to net income (ytd only)* | 25.9740% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2746% | 750 |
| Loan loss allowance to noncurrent loans | 103.5230% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.8502% | 1,403 |
| Noncurrent loans to loans | 2.1972% | 1,214 |
| Net loans and leases to total assets | 67.7479% | 2,598 |
| Net loans and leases to deposits | 78.0132% | 2,970 |
| Net loans and leases to core deposits | 90.5998% | 2,224 |
| Total domestic deposits to total assets | 86.8416% | 2,363 |
| Equity capital to assets | 10.8897% | 3,026 |
| Core capital (leverage) ratio | 10.1366% | 3,383 |
| Tier 1 risk-based capital ratio | 13.0667% | 4,683 |
| Total risk-based capital ratio | 14.3252% | 4,594 |
| Memoranda: | ||
| Average total assets | $125,593,400 | 4,070 |
| Average earning assets | $116,262,000 | 4,048 |
| Average equity | $12,893,400 | 4,211 |
| Average total loans | $83,499,800 | 3,780 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 4,748 |
| Cost of funding earning assets | 0.5166% | 2,588 |
| Net interest margin | 3.2211% | 4,889 |
| Noninterest income to average assets | 1.1827% | 859 |
| Noninterest expense to average assets | 3.4745% | 1,513 |
| Loan and lease loss provision to assets | 0.2052% | 1,145 |
| Net operating income to assets | 0.4019% | 5,243 |
| Return on assets (ROA) | 0.6650% | 4,228 |
| Pretax return on assets | 0.8155% | 4,311 |
| Return on Equity (ROE) | 6.5733% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.5733% | 2,057 |
| Net charge-offs to loans | -0.0752% | 6,050 |
| Credit loss provision to net charge-offs | -414.8936% | 5,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2367% | 1,471 |
| Assets per employee ($millions) | 2.7568% | 6,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2264% | 909 |
| Loan loss allowance to noncurrent loans | 97.7835% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.8199% | 1,624 |
| Noncurrent loans to loans | 2.2769% | 1,318 |
| Net loans and leases to total assets | 64.2960% | 3,140 |
| Net loans and leases to deposits | 74.4624% | 3,381 |
| Net loans and leases to core deposits | 85.4334% | 2,727 |
| Total domestic deposits to total assets | 86.3469% | 2,674 |
| Equity capital to assets | 10.3513% | 3,734 |
| Core capital (leverage) ratio | 10.3287% | 3,248 |
| Tier 1 risk-based capital ratio | 12.0736% | 5,437 |
| Total risk-based capital ratio | 13.3294% | 5,353 |
| Memoranda: | ||
| Average total assets | $126,710,750 | 4,071 |
| Average earning assets | $117,679,750 | 4,043 |
| Average equity | $12,819,250 | 4,254 |
| Average total loans | $83,382,500 | 3,810 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6946% | 4,877 |
| Cost of funding earning assets | 0.5073% | 2,755 |
| Net interest margin | 3.1873% | 4,984 |
| Noninterest income to average assets | 1.1482% | 895 |
| Noninterest expense to average assets | 3.3461% | 1,814 |
| Loan and lease loss provision to assets | 0.2386% | 946 |
| Net operating income to assets | 0.3948% | 5,244 |
| Return on assets (ROA) | 0.7586% | 3,628 |
| Pretax return on assets | 1.0162% | 3,416 |
| Return on Equity (ROE) | 7.5584% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.5584% | 1,499 |
| Net charge-offs to loans | -0.0628% | 5,976 |
| Credit loss provision to net charge-offs | -576.9231% | 5,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2983% | 1,839 |
| Assets per employee ($millions) | 2.6503% | 6,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2326% | 979 |
| Loan loss allowance to noncurrent loans | 71.4676% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 2.2549% | 1,335 |
| Noncurrent loans to loans | 3.1239% | 909 |
| Net loans and leases to total assets | 65.7704% | 2,789 |
| Net loans and leases to deposits | 75.3668% | 3,145 |
| Net loans and leases to core deposits | 81.7650% | 3,001 |
| Total domestic deposits to total assets | 87.2670% | 2,315 |
| Equity capital to assets | 10.6667% | 3,229 |
| Core capital (leverage) ratio | 10.3057% | 3,209 |
| Tier 1 risk-based capital ratio | 12.0781% | 5,495 |
| Total risk-based capital ratio | 13.3343% | 5,419 |
| Memoranda: | ||
| Average total assets | $125,758,330 | 4,121 |
| Average earning assets | $117,088,670 | 4,079 |
| Average equity | $12,621,670 | 4,298 |
| Average total loans | $82,775,330 | 3,835 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6119% | 5,137 |
| Cost of funding earning assets | 0.4872% | 3,039 |
| Net interest margin | 3.1248% | 5,159 |
| Noninterest income to average assets | 1.0338% | 1,052 |
| Noninterest expense to average assets | 3.4774% | 1,533 |
| Loan and lease loss provision to assets | 0.2820% | 720 |
| Net operating income to assets | 0.1645% | 5,894 |
| Return on assets (ROA) | 0.4981% | 4,785 |
| Pretax return on assets | 0.5670% | 4,946 |
| Return on Equity (ROE) | 5.1164% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.1164% | 3,049 |
| Net charge-offs to loans | 0.1395% | 1,884 |
| Credit loss provision to net charge-offs | 310.3448% | 779 |
| Earnings coverage of net charge-offs (x) | 5.1724% | 2,413 |
| Efficiency ratio | 88.0952% | 1,220 |
| Assets per employee ($millions) | 2.8990% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0813% | 1,368 |
| Loan loss allowance to noncurrent loans | 67.5857% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 2.1457% | 1,562 |
| Noncurrent loans to loans | 3.0795% | 1,023 |
| Net loans and leases to total assets | 63.2922% | 3,016 |
| Net loans and leases to deposits | 72.7947% | 3,234 |
| Net loans and leases to core deposits | 79.5070% | 3,033 |
| Total domestic deposits to total assets | 86.9461% | 2,849 |
| Equity capital to assets | 9.7988% | 4,111 |
| Core capital (leverage) ratio | 9.9956% | 3,580 |
| Tier 1 risk-based capital ratio | 12.0688% | 5,600 |
| Total risk-based capital ratio | 13.3242% | 5,529 |
| Memoranda: | ||
| Average total assets | $127,681,500 | 4,116 |
| Average earning assets | $119,049,500 | 4,063 |
| Average equity | $12,430,500 | 4,357 |
| Average total loans | $83,156,500 | 3,854 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9465% | 4,297 |
| Cost of funding earning assets | 0.5702% | 2,922 |
| Net interest margin | 3.3763% | 4,378 |
| Noninterest income to average assets | 1.2248% | 935 |
| Noninterest expense to average assets | 3.7697% | 1,182 |
| Loan and lease loss provision to assets | 0.2361% | 1,530 |
| Net operating income to assets | 0.2662% | 5,634 |
| Return on assets (ROA) | 0.7478% | 3,658 |
| Pretax return on assets | 0.9800% | 3,431 |
| Return on Equity (ROE) | 7.8727% | 3,099 |
| Retained earnings to average equity (ytd only) | 7.0440% | 1,419 |
| Net charge-offs to loans | 0.1494% | 3,309 |
| Credit loss provision to net charge-offs | 227.2727% | 1,004 |
| Earnings coverage of net charge-offs (x) | 5.6061% | 3,262 |
| Efficiency ratio | 86.6160% | 1,351 |
| Assets per employee ($millions) | 3.0430% | 5,767 |
| Cash dividends to net income (ytd only)* | 10.5263% | 4,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9734% | 1,617 |
| Loan loss allowance to noncurrent loans | 71.4594% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.8888% | 1,924 |
| Noncurrent loans to loans | 2.7616% | 1,290 |
| Net loans and leases to total assets | 64.3228% | 2,987 |
| Net loans and leases to deposits | 73.9376% | 3,264 |
| Net loans and leases to core deposits | 80.2689% | 3,102 |
| Total domestic deposits to total assets | 86.9960% | 2,727 |
| Equity capital to assets | 9.6724% | 4,192 |
| Core capital (leverage) ratio | 9.7322% | 3,937 |
| Tier 1 risk-based capital ratio | 11.3314% | 6,007 |
| Total risk-based capital ratio | 12.5849% | 5,937 |
| Memoranda: | ||
| Average total assets | $127,038,800 | 4,128 |
| Average earning assets | $117,673,800 | 4,095 |
| Average equity | $12,067,000 | 4,427 |
| Average total loans | $88,351,600 | 3,728 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 3,779 |
| Cost of funding earning assets | 0.5807% | 2,990 |
| Net interest margin | 3.5148% | 3,811 |
| Noninterest income to average assets | 1.2718% | 907 |
| Noninterest expense to average assets | 3.6673% | 1,292 |
| Loan and lease loss provision to assets | 0.2207% | 1,648 |
| Net operating income to assets | 0.4926% | 4,829 |
| Return on assets (ROA) | 0.8997% | 2,953 |
| Pretax return on assets | 1.1636% | 2,836 |
| Return on Equity (ROE) | 9.5162% | 2,390 |
| Retained earnings to average equity (ytd only) | 9.5162% | 904 |
| Net charge-offs to loans | 0.1475% | 3,065 |
| Credit loss provision to net charge-offs | 212.1212% | 1,141 |
| Earnings coverage of net charge-offs (x) | 8.2220% | 2,658 |
| Efficiency ratio | 81.0830% | 1,958 |
| Assets per employee ($millions) | 3.0246% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 2,158 |
| Loan loss allowance to noncurrent loans | 77.0120% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.6846% | 2,447 |
| Noncurrent loans to loans | 2.3965% | 1,828 |
| Net loans and leases to total assets | 66.8997% | 2,481 |
| Net loans and leases to deposits | 77.5151% | 2,735 |
| Net loans and leases to core deposits | 85.1648% | 2,519 |
| Total domestic deposits to total assets | 86.3053% | 3,074 |
| Equity capital to assets | 9.5312% | 4,513 |
| Core capital (leverage) ratio | 9.7932% | 3,964 |
| Tier 1 risk-based capital ratio | 10.7553% | 6,378 |
| Total risk-based capital ratio | 12.0071% | 6,345 |
| Memoranda: | ||
| Average total assets | $126,846,750 | 4,181 |
| Average earning assets | $117,329,250 | 4,142 |
| Average equity | $11,993,250 | 4,495 |
| Average total loans | $89,473,500 | 3,732 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 3,520 |
| Cost of funding earning assets | 0.5884% | 3,047 |
| Net interest margin | 3.5661% | 3,495 |
| Noninterest income to average assets | 1.3235% | 888 |
| Noninterest expense to average assets | 3.7292% | 1,205 |
| Loan and lease loss provision to assets | 0.2839% | 1,281 |
| Net operating income to assets | 0.4795% | 4,883 |
| Return on assets (ROA) | 1.0711% | 2,148 |
| Pretax return on assets | 1.3298% | 2,191 |
| Return on Equity (ROE) | 11.3593% | 1,702 |
| Retained earnings to average equity (ytd only) | 11.3593% | 588 |
| Net charge-offs to loans | 0.0531% | 3,934 |
| Credit loss provision to net charge-offs | 750.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 23.3333% | 1,333 |
| Efficiency ratio | 80.8482% | 2,043 |
| Assets per employee ($millions) | 2.8920% | 6,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8619% | 2,223 |
| Loan loss allowance to noncurrent loans | 78.0523% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.7470% | 2,494 |
| Noncurrent loans to loans | 2.3854% | 1,971 |
| Net loans and leases to total assets | 68.0571% | 2,220 |
| Net loans and leases to deposits | 81.4304% | 2,124 |
| Net loans and leases to core deposits | 89.5657% | 1,946 |
| Total domestic deposits to total assets | 83.5771% | 4,484 |
| Equity capital to assets | 9.4987% | 4,580 |
| Core capital (leverage) ratio | 9.7257% | 3,900 |
| Tier 1 risk-based capital ratio | 11.6500% | 6,032 |
| Total risk-based capital ratio | 12.9043% | 5,975 |
| Memoranda: | ||
| Average total assets | $126,784,000 | 4,212 |
| Average earning assets | $116,934,670 | 4,179 |
| Average equity | $11,955,000 | 4,547 |
| Average total loans | $90,436,670 | 3,714 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 2,842 |
| Cost of funding earning assets | 0.5911% | 3,188 |
| Net interest margin | 3.7219% | 2,770 |
| Noninterest income to average assets | 1.3022% | 907 |
| Noninterest expense to average assets | 3.6697% | 1,296 |
| Loan and lease loss provision to assets | 0.2845% | 1,237 |
| Net operating income to assets | 0.5188% | 4,572 |
| Return on assets (ROA) | 0.6480% | 4,133 |
| Pretax return on assets | 0.9640% | 3,509 |
| Return on Equity (ROE) | 6.8971% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.8971% | 2,204 |
| Net charge-offs to loans | 0.0393% | 3,478 |
| Credit loss provision to net charge-offs | 1,000.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 37.1111% | 840 |
| Efficiency ratio | 77.6589% | 2,665 |
| Assets per employee ($millions) | 2.9379% | 6,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7422% | 2,832 |
| Loan loss allowance to noncurrent loans | 88.4312% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.4961% | 3,012 |
| Noncurrent loans to loans | 1.9701% | 2,652 |
| Net loans and leases to total assets | 69.9575% | 1,664 |
| Net loans and leases to deposits | 81.2821% | 1,926 |
| Net loans and leases to core deposits | 88.8337% | 1,824 |
| Total domestic deposits to total assets | 86.0676% | 3,497 |
| Equity capital to assets | 9.6033% | 4,704 |
| Core capital (leverage) ratio | 9.4262% | 4,199 |
| Tier 1 risk-based capital ratio | 12.5055% | 5,575 |
| Total risk-based capital ratio | 13.7604% | 5,525 |
| Memoranda: | ||
| Average total assets | $126,551,500 | 4,252 |
| Average earning assets | $116,391,500 | 4,233 |
| Average equity | $11,889,000 | 4,600 |
| Average total loans | $91,532,500 | 3,703 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5333% | 3,267 |
| Cost of funding earning assets | 0.6813% | 3,642 |
| Net interest margin | 3.8520% | 3,017 |
| Noninterest income to average assets | 1.5506% | 653 |
| Noninterest expense to average assets | 3.6851% | 1,441 |
| Loan and lease loss provision to assets | 0.4348% | 1,464 |
| Net operating income to assets | 0.7537% | 3,494 |
| Return on assets (ROA) | 0.9372% | 2,862 |
| Pretax return on assets | 1.2369% | 2,650 |
| Return on Equity (ROE) | 10.4394% | 1,990 |
| Retained earnings to average equity (ytd only) | 6.8933% | 1,618 |
| Net charge-offs to loans | 0.2713% | 3,309 |
| Credit loss provision to net charge-offs | 212.9278% | 1,193 |
| Earnings coverage of net charge-offs (x) | 7.0038% | 2,694 |
| Efficiency ratio | 72.0401% | 3,409 |
| Assets per employee ($millions) | 2.8812% | 6,192 |
| Cash dividends to net income (ytd only)* | 33.9685% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 3,340 |
| Loan loss allowance to noncurrent loans | 87.0533% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.4396% | 3,230 |
| Noncurrent loans to loans | 1.8331% | 2,876 |
| Net loans and leases to total assets | 72.2825% | 1,446 |
| Net loans and leases to deposits | 85.0818% | 1,624 |
| Net loans and leases to core deposits | 92.4261% | 1,599 |
| Total domestic deposits to total assets | 84.9565% | 3,885 |
| Equity capital to assets | 9.1866% | 5,283 |
| Core capital (leverage) ratio | 9.0255% | 4,863 |
| Tier 1 risk-based capital ratio | 11.9532% | 5,822 |
| Total risk-based capital ratio | 13.2071% | 5,771 |
| Memoranda: | ||
| Average total assets | $128,790,400 | 4,172 |
| Average earning assets | $119,183,400 | 4,124 |
| Average equity | $11,562,000 | 4,658 |
| Average total loans | $96,949,400 | 3,595 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5400% | 3,465 |
| Cost of funding earning assets | 0.6883% | 3,873 |
| Net interest margin | 3.8516% | 3,111 |
| Noninterest income to average assets | 1.5953% | 586 |
| Noninterest expense to average assets | 3.6329% | 1,492 |
| Loan and lease loss provision to assets | 0.2784% | 2,341 |
| Net operating income to assets | 0.9487% | 2,751 |
| Return on assets (ROA) | 1.1869% | 1,970 |
| Pretax return on assets | 1.5633% | 1,695 |
| Return on Equity (ROE) | 13.2972% | 1,271 |
| Retained earnings to average equity (ytd only) | 13.2972% | 366 |
| Net charge-offs to loans | 0.0885% | 4,494 |
| Credit loss provision to net charge-offs | 415.3846% | 646 |
| Earnings coverage of net charge-offs (x) | 22.8012% | 1,343 |
| Efficiency ratio | 70.3896% | 3,611 |
| Assets per employee ($millions) | 3.1325% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 4,172 |
| Loan loss allowance to noncurrent loans | 83.3831% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.2716% | 3,752 |
| Noncurrent loans to loans | 1.7355% | 3,184 |
| Net loans and leases to total assets | 72.2120% | 1,517 |
| Net loans and leases to deposits | 83.4490% | 1,933 |
| Net loans and leases to core deposits | 91.1013% | 1,862 |
| Total domestic deposits to total assets | 86.5343% | 2,962 |
| Equity capital to assets | 9.1887% | 5,605 |
| Core capital (leverage) ratio | 9.2764% | 4,627 |
| Tier 1 risk-based capital ratio | 12.1327% | 5,863 |
| Total risk-based capital ratio | 13.3846% | 5,837 |
| Memoranda: | ||
| Average total assets | $129,295,000 | 4,203 |
| Average earning assets | $119,704,250 | 4,157 |
| Average equity | $11,541,000 | 4,709 |
| Average total loans | $97,906,750 | 3,613 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6320% | 3,222 |
| Cost of funding earning assets | 0.6946% | 4,058 |
| Net interest margin | 3.9374% | 2,758 |
| Noninterest income to average assets | 1.5466% | 614 |
| Noninterest expense to average assets | 3.6783% | 1,417 |
| Loan and lease loss provision to assets | 0.2801% | 2,344 |
| Net operating income to assets | 0.9983% | 2,472 |
| Return on assets (ROA) | 1.2214% | 1,830 |
| Pretax return on assets | 1.5062% | 1,830 |
| Return on Equity (ROE) | 13.8225% | 1,163 |
| Retained earnings to average equity (ytd only) | 13.8225% | 363 |
| Net charge-offs to loans | 0.1199% | 3,975 |
| Credit loss provision to net charge-offs | 305.0847% | 958 |
| Earnings coverage of net charge-offs (x) | 16.4576% | 1,593 |
| Efficiency ratio | 70.8846% | 3,620 |
| Assets per employee ($millions) | 3.2675% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 4,670 |
| Loan loss allowance to noncurrent loans | 74.8288% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3748% | 3,685 |
| Noncurrent loans to loans | 1.8023% | 3,212 |
| Net loans and leases to total assets | 75.2515% | 1,067 |
| Net loans and leases to deposits | 86.7562% | 1,510 |
| Net loans and leases to core deposits | 96.6859% | 1,382 |
| Total domestic deposits to total assets | 86.7390% | 2,934 |
| Equity capital to assets | 9.2181% | 5,441 |
| Core capital (leverage) ratio | 8.8990% | 5,050 |
| Tier 1 risk-based capital ratio | 10.8264% | 6,569 |
| Total risk-based capital ratio | 12.0577% | 6,561 |
| Memoranda: | ||
| Average total assets | $128,538,670 | 4,238 |
| Average earning assets | $118,911,330 | 4,203 |
| Average equity | $11,358,330 | 4,740 |
| Average total loans | $98,409,000 | 3,614 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 3,249 |
| Cost of funding earning assets | 0.6901% | 4,366 |
| Net interest margin | 3.9631% | 2,656 |
| Noninterest income to average assets | 1.7631% | 495 |
| Noninterest expense to average assets | 4.0561% | 870 |
| Loan and lease loss provision to assets | 0.2789% | 2,227 |
| Net operating income to assets | 1.0738% | 2,191 |
| Return on assets (ROA) | 1.3107% | 1,596 |
| Pretax return on assets | 1.3355% | 2,405 |
| Return on Equity (ROE) | 15.1559% | 944 |
| Retained earnings to average equity (ytd only) | 15.1559% | 439 |
| Net charge-offs to loans | 0.1778% | 3,029 |
| Credit loss provision to net charge-offs | 204.5455% | 1,318 |
| Earnings coverage of net charge-offs (x) | 10.0682% | 1,785 |
| Efficiency ratio | 74.7146% | 2,991 |
| Assets per employee ($millions) | 3.3321% | 5,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 5,220 |
| Loan loss allowance to noncurrent loans | 62.4053% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.5229% | 3,572 |
| Noncurrent loans to loans | 2.0118% | 3,146 |
| Net loans and leases to total assets | 74.7487% | 955 |
| Net loans and leases to deposits | 85.4146% | 1,486 |
| Net loans and leases to core deposits | 96.4972% | 1,258 |
| Total domestic deposits to total assets | 87.5129% | 2,644 |
| Equity capital to assets | 8.7795% | 5,775 |
| Core capital (leverage) ratio | 8.7494% | 5,201 |
| Tier 1 risk-based capital ratio | 10.7171% | 6,662 |
| Total risk-based capital ratio | 11.9033% | 6,673 |
| Memoranda: | ||
| Average total assets | $129,091,000 | 4,254 |
| Average earning assets | $119,402,500 | 4,212 |
| Average equity | $11,164,000 | 4,787 |
| Average total loans | $99,010,000 | 3,625 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 3,388 |
| Cost of funding earning assets | 0.8173% | 4,728 |
| Net interest margin | 4.0762% | 2,539 |
| Noninterest income to average assets | 1.2461% | 837 |
| Noninterest expense to average assets | 3.6800% | 1,574 |
| Loan and lease loss provision to assets | 0.5825% | 1,776 |
| Net operating income to assets | 0.5609% | 4,182 |
| Return on assets (ROA) | 0.6345% | 4,009 |
| Pretax return on assets | 0.8297% | 3,868 |
| Return on Equity (ROE) | 7.5549% | 3,122 |
| Retained earnings to average equity (ytd only) | 6.6176% | 1,685 |
| Net charge-offs to loans | 0.4839% | 3,062 |
| Credit loss provision to net charge-offs | 153.8462% | 1,826 |
| Earnings coverage of net charge-offs (x) | 3.4740% | 3,507 |
| Efficiency ratio | 73.6685% | 3,284 |
| Assets per employee ($millions) | 2.9144% | 6,265 |
| Cash dividends to net income (ytd only)* | 12.4069% | 3,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 5,424 |
| Loan loss allowance to noncurrent loans | 97.9407% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.9467% | 4,716 |
| Noncurrent loans to loans | 1.2183% | 4,330 |
| Net loans and leases to total assets | 76.7827% | 854 |
| Net loans and leases to deposits | 88.9021% | 1,278 |
| Net loans and leases to core deposits | 100.2821% | 1,151 |
| Total domestic deposits to total assets | 86.3677% | 3,101 |
| Equity capital to assets | 8.5150% | 6,130 |
| Core capital (leverage) ratio | 8.4431% | 5,649 |
| Tier 1 risk-based capital ratio | 10.4313% | 6,713 |
| Total risk-based capital ratio | 11.5815% | 6,731 |
| Memoranda: | ||
| Average total assets | $127,039,000 | 4,228 |
| Average earning assets | $116,847,800 | 4,215 |
| Average equity | $10,668,600 | 4,870 |
| Average total loans | $99,397,400 | 3,635 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 3,448 |
| Cost of funding earning assets | 0.8521% | 4,757 |
| Net interest margin | 4.0742% | 2,579 |
| Noninterest income to average assets | 1.2413% | 843 |
| Noninterest expense to average assets | 3.6367% | 1,635 |
| Loan and lease loss provision to assets | 0.2840% | 3,251 |
| Net operating income to assets | 0.8019% | 3,151 |
| Return on assets (ROA) | 0.8784% | 2,973 |
| Pretax return on assets | 1.1698% | 2,739 |
| Return on Equity (ROE) | 10.4970% | 2,033 |
| Retained earnings to average equity (ytd only) | 10.4970% | 728 |
| Net charge-offs to loans | 0.3463% | 3,365 |
| Credit loss provision to net charge-offs | 104.6512% | 3,180 |
| Earnings coverage of net charge-offs (x) | 4.9806% | 2,911 |
| Efficiency ratio | 72.9017% | 3,384 |
| Assets per employee ($millions) | 2.9088% | 6,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 6,444 |
| Loan loss allowance to noncurrent loans | 46.9124% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 1.7025% | 3,535 |
| Noncurrent loans to loans | 2.0324% | 3,328 |
| Net loans and leases to total assets | 76.4613% | 914 |
| Net loans and leases to deposits | 88.9603% | 1,325 |
| Net loans and leases to core deposits | 99.6020% | 1,287 |
| Total domestic deposits to total assets | 85.9499% | 3,240 |
| Equity capital to assets | 8.6487% | 6,145 |
| Core capital (leverage) ratio | 8.6776% | 5,447 |
| Tier 1 risk-based capital ratio | 10.4065% | 6,819 |
| Total risk-based capital ratio | 11.3048% | 6,929 |
| Memoranda: | ||
| Average total assets | $126,740,750 | 4,256 |
| Average earning assets | $116,568,500 | 4,236 |
| Average equity | $10,606,000 | 4,892 |
| Average total loans | $99,334,500 | 3,662 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8189% | 4,012 |
| Cost of funding earning assets | 0.8666% | 4,934 |
| Net interest margin | 3.9523% | 3,076 |
| Noninterest income to average assets | 1.0892% | 1,092 |
| Noninterest expense to average assets | 3.5844% | 1,775 |
| Loan and lease loss provision to assets | 0.1900% | 4,019 |
| Net operating income to assets | 0.7678% | 3,212 |
| Return on assets (ROA) | 0.7948% | 3,228 |
| Pretax return on assets | 0.9800% | 3,314 |
| Return on Equity (ROE) | 9.6061% | 2,263 |
| Retained earnings to average equity (ytd only) | 9.6061% | 935 |
| Net charge-offs to loans | 0.5306% | 2,504 |
| Credit loss provision to net charge-offs | 45.4545% | 4,692 |
| Earnings coverage of net charge-offs (x) | 2.7197% | 3,483 |
| Efficiency ratio | 75.9222% | 3,021 |
| Assets per employee ($millions) | 2.9144% | 6,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7945% | 6,879 |
| Loan loss allowance to noncurrent loans | 31.6553% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 2.1178% | 3,084 |
| Noncurrent loans to loans | 2.5100% | 2,877 |
| Net loans and leases to total assets | 78.3107% | 737 |
| Net loans and leases to deposits | 91.0955% | 1,148 |
| Net loans and leases to core deposits | 102.6247% | 1,139 |
| Total domestic deposits to total assets | 85.9655% | 3,347 |
| Equity capital to assets | 8.5653% | 6,110 |
| Core capital (leverage) ratio | 8.4182% | 5,680 |
| Tier 1 risk-based capital ratio | 10.3798% | 6,832 |
| Total risk-based capital ratio | 11.1507% | 7,007 |
| Memoranda: | ||
| Average total assets | $126,326,000 | 4,296 |
| Average earning assets | $116,084,000 | 4,275 |
| Average equity | $10,451,670 | 4,936 |
| Average total loans | $99,512,330 | 3,700 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 3,826 |
| Cost of funding earning assets | 0.8721% | 5,115 |
| Net interest margin | 3.9761% | 2,790 |
| Noninterest income to average assets | 1.1228% | 1,039 |
| Noninterest expense to average assets | 3.5954% | 1,782 |
| Loan and lease loss provision to assets | 0.0946% | 4,826 |
| Net operating income to assets | 0.8705% | 2,702 |
| Return on assets (ROA) | 0.8831% | 2,714 |
| Pretax return on assets | 1.1007% | 2,753 |
| Return on Equity (ROE) | 10.8627% | 1,790 |
| Retained earnings to average equity (ytd only) | 10.8627% | 926 |
| Net charge-offs to loans | -0.0160% | 6,502 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2972% | 3,280 |
| Assets per employee ($millions) | 2.7092% | 6,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 6,469 |
| Loan loss allowance to noncurrent loans | 68.0791% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.2004% | 4,553 |
| Noncurrent loans to loans | 1.4377% | 4,315 |
| Net loans and leases to total assets | 78.2565% | 699 |
| Net loans and leases to deposits | 89.6294% | 1,274 |
| Net loans and leases to core deposits | 98.8526% | 1,444 |
| Total domestic deposits to total assets | 87.3111% | 2,758 |
| Equity capital to assets | 8.3838% | 6,069 |
| Core capital (leverage) ratio | 8.1512% | 6,050 |
| Tier 1 risk-based capital ratio | 10.4154% | 6,856 |
| Total risk-based capital ratio | 11.3844% | 6,957 |
| Memoranda: | ||
| Average total assets | $126,829,000 | 4,325 |
| Average earning assets | $116,496,000 | 4,287 |
| Average equity | $10,310,500 | 4,962 |
| Average total loans | $99,806,000 | 3,727 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0754% | 4,203 |
| Cost of funding earning assets | 1.1274% | 4,983 |
| Net interest margin | 3.9480% | 3,264 |
| Noninterest income to average assets | 1.3480% | 810 |
| Noninterest expense to average assets | 3.5687% | 2,009 |
| Loan and lease loss provision to assets | 0.9212% | 1,774 |
| Net operating income to assets | 0.3782% | 4,649 |
| Return on assets (ROA) | 0.3854% | 4,757 |
| Pretax return on assets | 0.5373% | 4,507 |
| Return on Equity (ROE) | 4.9547% | 4,088 |
| Retained earnings to average equity (ytd only) | 4.9547% | 2,438 |
| Net charge-offs to loans | 1.2894% | 1,730 |
| Credit loss provision to net charge-offs | 92.7357% | 5,004 |
| Earnings coverage of net charge-offs (x) | 1.4583% | 4,662 |
| Efficiency ratio | 71.1291% | 3,966 |
| Assets per employee ($millions) | 2.9327% | 6,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 6,665 |
| Loan loss allowance to noncurrent loans | 80.3972% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 5,224 |
| Noncurrent loans to loans | 1.1451% | 4,820 |
| Net loans and leases to total assets | 77.6467% | 1,000 |
| Net loans and leases to deposits | 87.8208% | 1,819 |
| Net loans and leases to core deposits | 99.1156% | 1,691 |
| Total domestic deposits to total assets | 88.4150% | 2,008 |
| Equity capital to assets | 7.8838% | 6,602 |
| Core capital (leverage) ratio | 7.5954% | 6,623 |
| Tier 1 risk-based capital ratio | 9.7813% | 7,060 |
| Total risk-based capital ratio | 10.6835% | 7,160 |
| Memoranda: | ||
| Average total assets | $130,271,000 | 4,259 |
| Average earning assets | $121,074,000 | 4,209 |
| Average equity | $10,131,800 | 5,095 |
| Average total loans | $100,359,200 | 3,782 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0536% | 4,577 |
| Cost of funding earning assets | 1.1711% | 5,030 |
| Net interest margin | 3.8825% | 3,601 |
| Noninterest income to average assets | 1.2763% | 846 |
| Noninterest expense to average assets | 3.5216% | 1,987 |
| Loan and lease loss provision to assets | 0.2961% | 4,208 |
| Net operating income to assets | 0.7434% | 3,230 |
| Return on assets (ROA) | 0.7525% | 3,367 |
| Pretax return on assets | 1.0905% | 2,854 |
| Return on Equity (ROE) | 9.7084% | 2,244 |
| Retained earnings to average equity (ytd only) | 9.7084% | 862 |
| Net charge-offs to loans | 0.4100% | 3,653 |
| Credit loss provision to net charge-offs | 94.1558% | 4,604 |
| Earnings coverage of net charge-offs (x) | 4.3668% | 3,082 |
| Efficiency ratio | 71.9441% | 3,710 |
| Assets per employee ($millions) | 3.6422% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 6,429 |
| Loan loss allowance to noncurrent loans | 53.0000% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.4099% | 4,338 |
| Noncurrent loans to loans | 1.8716% | 3,837 |
| Net loans and leases to total assets | 74.5841% | 1,670 |
| Net loans and leases to deposits | 86.1683% | 2,298 |
| Net loans and leases to core deposits | 97.4151% | 2,104 |
| Total domestic deposits to total assets | 86.5563% | 2,782 |
| Equity capital to assets | 7.8167% | 6,921 |
| Core capital (leverage) ratio | 7.7101% | 6,666 |
| Tier 1 risk-based capital ratio | 10.0229% | 7,057 |
| Total risk-based capital ratio | 11.0008% | 7,162 |
| Memoranda: | ||
| Average total assets | $130,579,500 | 4,314 |
| Average earning assets | $121,704,750 | 4,249 |
| Average equity | $10,121,500 | 5,155 |
| Average total loans | $100,168,000 | 3,853 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 4,954 |
| Cost of funding earning assets | 1.2265% | 4,978 |
| Net interest margin | 3.7707% | 4,042 |
| Noninterest income to average assets | 1.1503% | 975 |
| Noninterest expense to average assets | 3.5716% | 1,852 |
| Loan and lease loss provision to assets | 0.0929% | 5,986 |
| Net operating income to assets | 0.7012% | 3,402 |
| Return on assets (ROA) | 0.7153% | 3,483 |
| Pretax return on assets | 1.0233% | 3,031 |
| Return on Equity (ROE) | 9.2548% | 2,366 |
| Retained earnings to average equity (ytd only) | 9.2548% | 1,029 |
| Net charge-offs to loans | 0.4092% | 3,348 |
| Credit loss provision to net charge-offs | 29.4118% | 5,741 |
| Earnings coverage of net charge-offs (x) | 3.4706% | 3,312 |
| Efficiency ratio | 76.5174% | 2,978 |
| Assets per employee ($millions) | 2.9415% | 6,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 6,817 |
| Loan loss allowance to noncurrent loans | 53.2326% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.2787% | 4,589 |
| Noncurrent loans to loans | 1.6577% | 4,215 |
| Net loans and leases to total assets | 76.4593% | 1,403 |
| Net loans and leases to deposits | 91.8754% | 1,551 |
| Net loans and leases to core deposits | 107.9360% | 1,301 |
| Total domestic deposits to total assets | 83.2207% | 4,481 |
| Equity capital to assets | 7.8902% | 6,857 |
| Core capital (leverage) ratio | 7.7628% | 6,542 |
| Tier 1 risk-based capital ratio | 9.9864% | 7,034 |
| Total risk-based capital ratio | 10.8622% | 7,221 |
| Memoranda: | ||
| Average total assets | $129,185,330 | 4,372 |
| Average earning assets | $120,507,330 | 4,300 |
| Average equity | $9,984,000 | 5,204 |
| Average total loans | $99,718,000 | 3,909 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9919% | 5,051 |
| Cost of funding earning assets | 1.3133% | 4,731 |
| Net interest margin | 3.6786% | 4,354 |
| Noninterest income to average assets | 1.1622% | 915 |
| Noninterest expense to average assets | 3.6416% | 1,634 |
| Loan and lease loss provision to assets | 0.0930% | 5,705 |
| Net operating income to assets | 0.6167% | 3,826 |
| Return on assets (ROA) | 0.6167% | 3,963 |
| Pretax return on assets | 0.8740% | 3,565 |
| Return on Equity (ROE) | 8.0648% | 2,852 |
| Retained earnings to average equity (ytd only) | 8.0648% | 1,680 |
| Net charge-offs to loans | 0.0642% | 4,765 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,197 |
| Efficiency ratio | 79.0182% | 2,718 |
| Assets per employee ($millions) | 2.8513% | 6,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 6,185 |
| Loan loss allowance to noncurrent loans | 69.6381% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.1764% | 4,823 |
| Noncurrent loans to loans | 1.5223% | 4,465 |
| Net loans and leases to total assets | 73.9316% | 1,987 |
| Net loans and leases to deposits | 85.1725% | 2,733 |
| Net loans and leases to core deposits | 95.8513% | 2,607 |
| Total domestic deposits to total assets | 86.8023% | 2,734 |
| Equity capital to assets | 7.6007% | 6,992 |
| Core capital (leverage) ratio | 7.5962% | 6,743 |
| Tier 1 risk-based capital ratio | 9.8965% | 7,097 |
| Total risk-based capital ratio | 10.9476% | 7,203 |
| Memoranda: | ||
| Average total assets | $129,064,500 | 4,435 |
| Average earning assets | $120,915,500 | 4,350 |
| Average equity | $9,870,000 | 5,276 |
| Average total loans | $99,657,000 | 3,968 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3983% | 4,708 |
| Cost of funding earning assets | 1.6434% | 4,831 |
| Net interest margin | 3.7549% | 3,890 |
| Noninterest income to average assets | 1.5960% | 565 |
| Noninterest expense to average assets | 3.8286% | 1,638 |
| Loan and lease loss provision to assets | 0.5227% | 3,758 |
| Net operating income to assets | 0.5438% | 3,555 |
| Return on assets (ROA) | 0.5438% | 3,641 |
| Pretax return on assets | 0.7546% | 3,394 |
| Return on Equity (ROE) | 6.6646% | 2,921 |
| Retained earnings to average equity (ytd only) | 6.6646% | 1,087 |
| Net charge-offs to loans | 0.2912% | 4,814 |
| Credit loss provision to net charge-offs | 219.8582% | 1,715 |
| Earnings coverage of net charge-offs (x) | 5.3723% | 2,620 |
| Efficiency ratio | 74.9835% | 3,715 |
| Assets per employee ($millions) | 2.7602% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,314 |
| Loan loss allowance to noncurrent loans | 71.6783% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.1664% | 4,763 |
| Noncurrent loans to loans | 1.4116% | 4,562 |
| Net loans and leases to total assets | 78.9809% | 1,187 |
| Net loans and leases to deposits | 93.2327% | 1,705 |
| Net loans and leases to core deposits | 119.2655% | 2,006 |
| Total domestic deposits to total assets | 84.7137% | 3,703 |
| Equity capital to assets | 7.6955% | 6,864 |
| Core capital (leverage) ratio | 7.8078% | 6,443 |
| Tier 1 risk-based capital ratio | 9.6108% | 7,152 |
| Total risk-based capital ratio | 10.6387% | 7,267 |
| Memoranda: | ||
| Average total assets | $118,607,000 | 4,614 |
| Average earning assets | $110,867,400 | 4,536 |
| Average equity | $9,678,000 | 5,389 |
| Average total loans | $96,828,800 | 4,039 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4624% | 4,617 |
| Cost of funding earning assets | 1.6978% | 4,912 |
| Net interest margin | 3.7646% | 3,803 |
| Noninterest income to average assets | 1.6570% | 535 |
| Noninterest expense to average assets | 3.8975% | 1,430 |
| Loan and lease loss provision to assets | 0.1030% | 6,345 |
| Net operating income to assets | 0.8193% | 2,729 |
| Return on assets (ROA) | 0.8193% | 2,794 |
| Pretax return on assets | 1.1706% | 2,353 |
| Return on Equity (ROE) | 9.8878% | 1,960 |
| Retained earnings to average equity (ytd only) | 9.8878% | 659 |
| Net charge-offs to loans | 0.1532% | 5,184 |
| Credit loss provision to net charge-offs | 81.8182% | 5,713 |
| Earnings coverage of net charge-offs (x) | 10.1184% | 2,006 |
| Efficiency ratio | 75.3707% | 3,620 |
| Assets per employee ($millions) | 2.9085% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 7,422 |
| Loan loss allowance to noncurrent loans | 78.1946% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 5,651 |
| Noncurrent loans to loans | 0.8658% | 5,561 |
| Net loans and leases to total assets | 80.1113% | 1,145 |
| Net loans and leases to deposits | 91.0800% | 2,381 |
| Net loans and leases to core deposits | 117.5354% | 2,465 |
| Total domestic deposits to total assets | 87.9571% | 1,674 |
| Equity capital to assets | 8.2649% | 6,542 |
| Core capital (leverage) ratio | 8.1743% | 6,060 |
| Tier 1 risk-based capital ratio | 10.0992% | 6,882 |
| Total risk-based capital ratio | 10.7838% | 7,310 |
| Memoranda: | ||
| Average total assets | $116,516,250 | 4,686 |
| Average earning assets | $108,765,750 | 4,626 |
| Average equity | $9,654,750 | 5,443 |
| Average total loans | $95,709,250 | 4,092 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5031% | 4,608 |
| Cost of funding earning assets | 1.7176% | 5,184 |
| Net interest margin | 3.7855% | 3,608 |
| Noninterest income to average assets | 1.6330% | 555 |
| Noninterest expense to average assets | 3.9656% | 1,377 |
| Loan and lease loss provision to assets | 0.1047% | 6,119 |
| Net operating income to assets | 0.7659% | 2,989 |
| Return on assets (ROA) | 0.7659% | 3,096 |
| Pretax return on assets | 1.0887% | 2,673 |
| Return on Equity (ROE) | 9.2346% | 2,276 |
| Retained earnings to average equity (ytd only) | 9.2346% | 883 |
| Net charge-offs to loans | 0.0886% | 5,305 |
| Credit loss provision to net charge-offs | 142.8571% | 3,247 |
| Earnings coverage of net charge-offs (x) | 16.2857% | 1,539 |
| Efficiency ratio | 76.8684% | 3,531 |
| Assets per employee ($millions) | 2.6699% | 6,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7103% | 7,397 |
| Loan loss allowance to noncurrent loans | 55.1212% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.0888% | 4,776 |
| Noncurrent loans to loans | 1.2886% | 4,622 |
| Net loans and leases to total assets | 83.8892% | 652 |
| Net loans and leases to deposits | 95.3850% | 1,892 |
| Net loans and leases to core deposits | 122.0454% | 2,203 |
| Total domestic deposits to total assets | 87.9480% | 1,800 |
| Equity capital to assets | 8.2818% | 6,368 |
| Core capital (leverage) ratio | 8.2148% | 5,960 |
| Tier 1 risk-based capital ratio | 9.8288% | 7,104 |
| Total risk-based capital ratio | 10.5524% | 7,525 |
| Memoranda: | ||
| Average total assets | $114,636,670 | 4,756 |
| Average earning assets | $106,775,670 | 4,705 |
| Average equity | $9,507,670 | 5,510 |
| Average total loans | $94,770,000 | 4,148 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4461% | 5,195 |
| Cost of funding earning assets | 1.6705% | 5,739 |
| Net interest margin | 3.7756% | 3,558 |
| Noninterest income to average assets | 1.4945% | 631 |
| Noninterest expense to average assets | 3.8227% | 1,428 |
| Loan and lease loss provision to assets | 0.1060% | 5,612 |
| Net operating income to assets | 0.7702% | 3,255 |
| Return on assets (ROA) | 0.7702% | 3,428 |
| Pretax return on assets | 1.0952% | 3,002 |
| Return on Equity (ROE) | 9.2796% | 2,616 |
| Retained earnings to average equity (ytd only) | 9.2796% | 1,405 |
| Net charge-offs to loans | 0.1383% | 3,853 |
| Credit loss provision to net charge-offs | 93.7500% | 3,926 |
| Earnings coverage of net charge-offs (x) | 10.6250% | 1,940 |
| Efficiency ratio | 76.0900% | 3,478 |
| Assets per employee ($millions) | 2.6056% | 7,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7367% | 7,347 |
| Loan loss allowance to noncurrent loans | 52.4101% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 1.1400% | 4,396 |
| Noncurrent loans to loans | 1.4057% | 4,205 |
| Net loans and leases to total assets | 80.5033% | 1,296 |
| Net loans and leases to deposits | 91.4761% | 2,695 |
| Net loans and leases to core deposits | 114.0786% | 3,004 |
| Total domestic deposits to total assets | 88.0047% | 1,745 |
| Equity capital to assets | 8.2917% | 6,407 |
| Core capital (leverage) ratio | 8.4883% | 5,561 |
| Tier 1 risk-based capital ratio | 10.0536% | 6,849 |
| Total risk-based capital ratio | 10.7893% | 7,336 |
| Memoranda: | ||
| Average total assets | $113,218,000 | 4,820 |
| Average earning assets | $105,837,500 | 4,752 |
| Average equity | $9,397,000 | 5,567 |
| Average total loans | $92,528,500 | 4,243 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6097% | 2,437 |
| Cost of funding earning assets | 2.3365% | 4,985 |
| Net interest margin | 4.2732% | 2,060 |
| Noninterest income to average assets | 1.4763% | 648 |
| Noninterest expense to average assets | 4.4219% | 931 |
| Loan and lease loss provision to assets | 0.0592% | 6,667 |
| Net operating income to assets | 0.6419% | 4,136 |
| Return on assets (ROA) | 0.6419% | 3,989 |
| Pretax return on assets | 0.8907% | 3,752 |
| Return on Equity (ROE) | 7.7718% | 3,164 |
| Retained earnings to average equity (ytd only) | 7.7718% | 908 |
| Net charge-offs to loans | 0.0201% | 6,578 |
| Credit loss provision to net charge-offs | 352.9412% | 1,275 |
| Earnings coverage of net charge-offs (x) | 56.5882% | 698 |
| Efficiency ratio | 82.3162% | 2,264 |
| Assets per employee ($millions) | 2.5998% | 7,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7461% | 7,305 |
| Loan loss allowance to noncurrent loans | 108.7025% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 5,489 |
| Noncurrent loans to loans | 0.6864% | 5,322 |
| Net loans and leases to total assets | 81.7526% | 1,271 |
| Net loans and leases to deposits | 94.9744% | 2,618 |
| Net loans and leases to core deposits | 112.2352% | 3,540 |
| Total domestic deposits to total assets | 86.0785% | 2,368 |
| Equity capital to assets | 8.3084% | 6,410 |
| Core capital (leverage) ratio | 8.3464% | 5,859 |
| Tier 1 risk-based capital ratio | 9.9818% | 6,751 |
| Total risk-based capital ratio | 10.7315% | 7,248 |
| Memoranda: | ||
| Average total assets | $101,268,400 | 5,010 |
| Average earning assets | $92,318,800 | 5,018 |
| Average equity | $8,363,600 | 5,959 |
| Average total loans | $84,653,200 | 4,377 |