Home > Riverland Bank > Performance and Condition Ratios
Riverland Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7070% | 919 |
| Cost of funding earning assets | 2.3191% | 527 |
| Net interest margin | 3.3879% | 2,428 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 3.1441% | 889 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.1855% | 4,183 |
| Return on assets (ROA) | 0.1855% | 4,200 |
| Pretax return on assets | 0.1855% | 4,208 |
| Return on Equity (ROE) | 1.5700% | 4,202 |
| Retained earnings to average equity (ytd only) | 1.5665% | 3,691 |
| Net charge-offs to loans | 0.0171% | 2,031 |
| Credit loss provision to net charge-offs | 265.6250% | 1,030 |
| Earnings coverage of net charge-offs (x) | 14.5313% | 2,075 |
| Efficiency ratio | 93.2657% | 320 |
| Assets per employee ($millions) | 7.1176% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,227 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 1,470 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 88.8500% | 61 |
| Net loans and leases to deposits | 104.7916% | 327 |
| Net loans and leases to core deposits | 128.7300% | 422 |
| Total domestic deposits to total assets | 84.7900% | 2,377 |
| Equity capital to assets | 11.9160% | 1,156 |
| Core capital (leverage) ratio | 11.9788% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $204,831,200 | 2,954 |
| Average earning assets | $200,036,000 | 2,871 |
| Average equity | $24,258,600 | 2,566 |
| Average total loans | $187,216,400 | 2,376 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6161% | 893 |
| Cost of funding earning assets | 2.1504% | 544 |
| Net interest margin | 3.4656% | 2,293 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 3.0574% | 983 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.3352% | 4,076 |
| Return on assets (ROA) | 0.3352% | 4,080 |
| Pretax return on assets | 0.3352% | 4,128 |
| Return on Equity (ROE) | 2.8300% | 4,115 |
| Retained earnings to average equity (ytd only) | 2.8349% | 3,546 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.6703% | 423 |
| Assets per employee ($millions) | 6.9044% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,357 |
| Loan loss allowance to noncurrent loans | 188.5124% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.9038% | 600 |
| Noncurrent loans to loans | 0.6369% | 1,283 |
| Net loans and leases to total assets | 90.6200% | 32 |
| Net loans and leases to deposits | 107.8620% | 249 |
| Net loans and leases to core deposits | 128.7187% | 358 |
| Total domestic deposits to total assets | 84.0100% | 2,770 |
| Equity capital to assets | 11.7804% | 1,096 |
| Core capital (leverage) ratio | 11.9335% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $204,436,250 | 2,964 |
| Average earning assets | $199,707,500 | 2,880 |
| Average equity | $24,174,250 | 2,556 |
| Average total loans | $187,608,500 | 2,385 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5035% | 826 |
| Cost of funding earning assets | 1.9341% | 569 |
| Net interest margin | 3.5694% | 2,100 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 3.1188% | 886 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.3410% | 4,099 |
| Return on assets (ROA) | 0.3410% | 4,121 |
| Pretax return on assets | 0.3410% | 4,190 |
| Return on Equity (ROE) | 2.8800% | 4,176 |
| Retained earnings to average equity (ytd only) | 2.8798% | 3,514 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.0200% | 423 |
| Assets per employee ($millions) | 6.3529% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 2,375 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 91.3200% | 24 |
| Net loans and leases to deposits | 108.8337% | 226 |
| Net loans and leases to core deposits | 125.9955% | 387 |
| Total domestic deposits to total assets | 83.9100% | 2,843 |
| Equity capital to assets | 11.9271% | 1,071 |
| Core capital (leverage) ratio | 11.9560% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $203,537,667 | 2,979 |
| Average earning assets | $198,857,000 | 2,895 |
| Average equity | $24,098,667 | 2,563 |
| Average total loans | $186,819,333 | 2,376 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4906% | 632 |
| Cost of funding earning assets | 1.5886% | 713 |
| Net interest margin | 3.9020% | 1,483 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 3.1877% | 817 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.4871% | 3,929 |
| Return on assets (ROA) | 0.4871% | 3,892 |
| Pretax return on assets | 0.4871% | 4,006 |
| Return on Equity (ROE) | 4.1300% | 4,017 |
| Retained earnings to average equity (ytd only) | 4.1291% | 3,236 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.9755% | 646 |
| Assets per employee ($millions) | 6.7295% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,528 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 89.7300% | 37 |
| Net loans and leases to deposits | 107.8093% | 217 |
| Net loans and leases to core deposits | 121.4788% | 402 |
| Total domestic deposits to total assets | 83.2300% | 3,252 |
| Equity capital to assets | 11.5883% | 1,128 |
| Core capital (leverage) ratio | 11.8821% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $203,659,500 | 3,014 |
| Average earning assets | $198,666,000 | 2,940 |
| Average equity | $24,024,500 | 2,599 |
| Average total loans | $186,267,000 | 2,396 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8439% | 398 |
| Cost of funding earning assets | 0.7626% | 447 |
| Net interest margin | 4.0814% | 685 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 3.4391% | 521 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.4248% | 4,215 |
| Return on assets (ROA) | 0.4248% | 4,180 |
| Pretax return on assets | 0.4248% | 4,254 |
| Return on Equity (ROE) | 3.7900% | 4,193 |
| Retained earnings to average equity (ytd only) | 3.7934% | 3,464 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.6244% | 432 |
| Assets per employee ($millions) | 7.0965% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,391 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 91.0200% | 25 |
| Net loans and leases to deposits | 111.4049% | 140 |
| Net loans and leases to core deposits | 128.6467% | 244 |
| Total domestic deposits to total assets | 81.7000% | 3,660 |
| Equity capital to assets | 12.0149% | 929 |
| Core capital (leverage) ratio | 12.1371% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $189,989,400 | 3,102 |
| Average earning assets | $184,766,600 | 3,038 |
| Average equity | $21,274,000 | 2,834 |
| Average total loans | $170,757,000 | 2,451 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 334 |
| Cost of funding earning assets | 0.6666% | 311 |
| Net interest margin | 4.0641% | 556 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 3.1911% | 698 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.6240% | 3,772 |
| Return on assets (ROA) | 0.6240% | 3,725 |
| Pretax return on assets | 0.6240% | 3,944 |
| Return on Equity (ROE) | 5.6800% | 3,855 |
| Retained earnings to average equity (ytd only) | 5.6826% | 2,864 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.7835% | 783 |
| Assets per employee ($millions) | 6.6642% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 2,520 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 89.1200% | 40 |
| Net loans and leases to deposits | 102.6188% | 277 |
| Net loans and leases to core deposits | 113.6849% | 369 |
| Total domestic deposits to total assets | 86.8500% | 2,812 |
| Equity capital to assets | 10.4449% | 1,400 |
| Core capital (leverage) ratio | 10.6456% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $187,811,000 | 3,144 |
| Average earning assets | $182,604,250 | 3,074 |
| Average equity | $20,624,000 | 2,936 |
| Average total loans | $167,683,000 | 2,473 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 287 |
| Cost of funding earning assets | 0.5909% | 297 |
| Net interest margin | 4.0333% | 463 |
| Noninterest income to average assets | 0.0446% | 4,646 |
| Noninterest expense to average assets | 3.0146% | 825 |
| Loan and lease loss provision to assets | 0.2068% | 392 |
| Net operating income to assets | 0.7379% | 3,186 |
| Return on assets (ROA) | 0.7379% | 3,143 |
| Pretax return on assets | 0.7379% | 3,484 |
| Return on Equity (ROE) | 6.6024% | 3,423 |
| Retained earnings to average equity (ytd only) | 6.6024% | 2,131 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1407% | 1,265 |
| Assets per employee ($millions) | 6.3405% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,672 |
| Loan loss allowance to noncurrent loans | 4,277.5510% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 3,731 |
| Noncurrent loans to loans | 0.0281% | 3,747 |
| Net loans and leases to total assets | 90.6332% | 16 |
| Net loans and leases to deposits | 105.0830% | 147 |
| Net loans and leases to core deposits | 113.8062% | 283 |
| Total domestic deposits to total assets | 86.2492% | 3,182 |
| Equity capital to assets | 10.9351% | 1,240 |
| Core capital (leverage) ratio | 11.5122% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,772,667 | 3,210 |
| Average earning assets | $178,366,000 | 3,143 |
| Average equity | $20,538,000 | 3,015 |
| Average total loans | $163,463,333 | 2,521 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 325 |
| Cost of funding earning assets | 0.5869% | 284 |
| Net interest margin | 3.8890% | 516 |
| Noninterest income to average assets | 0.0421% | 4,674 |
| Noninterest expense to average assets | 2.9953% | 822 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8197% | 2,595 |
| Return on assets (ROA) | 0.8197% | 2,587 |
| Pretax return on assets | 0.8197% | 3,049 |
| Return on Equity (ROE) | 7.2524% | 2,954 |
| Retained earnings to average equity (ytd only) | 7.2524% | 1,806 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5134% | 1,272 |
| Assets per employee ($millions) | 5.9796% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 2,802 |
| Loan loss allowance to noncurrent loans | 3,889.7959% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,771 |
| Noncurrent loans to loans | 0.0311% | 3,766 |
| Net loans and leases to total assets | 86.6875% | 42 |
| Net loans and leases to deposits | 99.3788% | 190 |
| Net loans and leases to core deposits | 106.5773% | 337 |
| Total domestic deposits to total assets | 87.2294% | 2,842 |
| Equity capital to assets | 11.4238% | 1,150 |
| Core capital (leverage) ratio | 11.6391% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,552,000 | 3,249 |
| Average earning assets | $175,162,500 | 3,184 |
| Average equity | $20,407,000 | 3,110 |
| Average total loans | $157,948,500 | 2,568 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6068% | 505 |
| Cost of funding earning assets | 0.8226% | 184 |
| Net interest margin | 3.7842% | 1,043 |
| Noninterest income to average assets | 0.0519% | 4,722 |
| Noninterest expense to average assets | 2.9122% | 1,123 |
| Loan and lease loss provision to assets | 0.1011% | 1,241 |
| Net operating income to assets | 0.6976% | 3,635 |
| Return on assets (ROA) | 0.6976% | 3,688 |
| Pretax return on assets | 0.6976% | 3,933 |
| Return on Equity (ROE) | 6.4401% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.4401% | 2,163 |
| Net charge-offs to loans | 0.0019% | 2,577 |
| Credit loss provision to net charge-offs | 6,166.6667% | 118 |
| Earnings coverage of net charge-offs (x) | 487.3333% | 283 |
| Efficiency ratio | 78.4778% | 909 |
| Assets per employee ($millions) | 6.2661% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 2,874 |
| Loan loss allowance to noncurrent loans | 3,889.7959% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 3,858 |
| Noncurrent loans to loans | 0.0309% | 3,851 |
| Net loans and leases to total assets | 86.1663% | 56 |
| Net loans and leases to deposits | 98.5139% | 232 |
| Net loans and leases to core deposits | 106.8077% | 354 |
| Total domestic deposits to total assets | 87.4662% | 2,301 |
| Equity capital to assets | 11.1828% | 1,673 |
| Core capital (leverage) ratio | 10.9801% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,055,200 | 3,185 |
| Average earning assets | $177,000,800 | 3,116 |
| Average equity | $19,828,800 | 3,232 |
| Average total loans | $155,609,200 | 2,582 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6740% | 504 |
| Cost of funding earning assets | 0.8688% | 182 |
| Net interest margin | 3.8051% | 1,109 |
| Noninterest income to average assets | 0.0516% | 4,801 |
| Noninterest expense to average assets | 2.7118% | 1,560 |
| Loan and lease loss provision to assets | 0.1020% | 1,182 |
| Net operating income to assets | 0.9124% | 3,209 |
| Return on assets (ROA) | 0.9124% | 3,279 |
| Pretax return on assets | 0.9124% | 3,668 |
| Return on Equity (ROE) | 8.4914% | 3,259 |
| Retained earnings to average equity (ytd only) | 8.4914% | 1,879 |
| Net charge-offs to loans | 0.0026% | 2,269 |
| Credit loss provision to net charge-offs | 4,666.6667% | 182 |
| Earnings coverage of net charge-offs (x) | 465.0000% | 317 |
| Efficiency ratio | 72.7805% | 1,335 |
| Assets per employee ($millions) | 6.6675% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 3,039 |
| Loan loss allowance to noncurrent loans | 3,797.9592% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 3,999 |
| Noncurrent loans to loans | 0.0313% | 3,977 |
| Net loans and leases to total assets | 82.8052% | 152 |
| Net loans and leases to deposits | 94.2995% | 407 |
| Net loans and leases to core deposits | 101.8762% | 528 |
| Total domestic deposits to total assets | 87.8108% | 1,951 |
| Equity capital to assets | 10.8699% | 2,107 |
| Core capital (leverage) ratio | 11.0448% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,390,000 | 3,220 |
| Average earning assets | $177,089,250 | 3,152 |
| Average equity | $19,705,750 | 3,281 |
| Average total loans | $154,890,500 | 2,627 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7977% | 464 |
| Cost of funding earning assets | 0.9329% | 156 |
| Net interest margin | 3.8647% | 1,036 |
| Noninterest income to average assets | 0.0527% | 4,833 |
| Noninterest expense to average assets | 2.7045% | 1,582 |
| Loan and lease loss provision to assets | 0.0823% | 1,482 |
| Net operating income to assets | 0.9973% | 2,893 |
| Return on assets (ROA) | 0.9973% | 2,975 |
| Pretax return on assets | 0.9973% | 3,453 |
| Return on Equity (ROE) | 9.3183% | 3,006 |
| Retained earnings to average equity (ytd only) | 9.3183% | 1,620 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4700% | 1,480 |
| Assets per employee ($millions) | 7.0487% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 3,132 |
| Loan loss allowance to noncurrent loans | 4,612.8205% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 4,142 |
| Noncurrent loans to loans | 0.0252% | 4,093 |
| Net loans and leases to total assets | 80.4597% | 287 |
| Net loans and leases to deposits | 92.5982% | 514 |
| Net loans and leases to core deposits | 100.3651% | 650 |
| Total domestic deposits to total assets | 86.8911% | 2,387 |
| Equity capital to assets | 10.4816% | 2,410 |
| Core capital (leverage) ratio | 11.0681% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,290,000 | 3,236 |
| Average earning assets | $176,002,667 | 3,166 |
| Average equity | $19,510,000 | 3,290 |
| Average total loans | $154,370,667 | 2,645 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0652% | 319 |
| Cost of funding earning assets | 0.9814% | 150 |
| Net interest margin | 4.0838% | 738 |
| Noninterest income to average assets | 0.0606% | 4,823 |
| Noninterest expense to average assets | 2.7822% | 1,403 |
| Loan and lease loss provision to assets | 0.1122% | 1,237 |
| Net operating income to assets | 1.1061% | 2,453 |
| Return on assets (ROA) | 1.1061% | 2,534 |
| Pretax return on assets | 1.1061% | 3,096 |
| Return on Equity (ROE) | 10.2224% | 2,613 |
| Retained earnings to average equity (ytd only) | 10.2224% | 1,595 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5457% | 1,754 |
| Assets per employee ($millions) | 6.8003% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 3,240 |
| Loan loss allowance to noncurrent loans | 1,198.6486% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,808 |
| Noncurrent loans to loans | 0.0952% | 3,828 |
| Net loans and leases to total assets | 83.7056% | 160 |
| Net loans and leases to deposits | 96.5905% | 392 |
| Net loans and leases to core deposits | 104.9286% | 548 |
| Total domestic deposits to total assets | 86.6602% | 2,460 |
| Equity capital to assets | 10.6378% | 2,136 |
| Core capital (leverage) ratio | 10.8629% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,278,000 | 3,258 |
| Average earning assets | $171,996,500 | 3,194 |
| Average equity | $19,291,000 | 3,301 |
| Average total loans | $154,093,500 | 2,652 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1275% | 384 |
| Cost of funding earning assets | 1.3807% | 135 |
| Net interest margin | 3.7468% | 1,648 |
| Noninterest income to average assets | 0.0539% | 4,854 |
| Noninterest expense to average assets | 2.9395% | 1,572 |
| Loan and lease loss provision to assets | 0.1363% | 2,656 |
| Net operating income to assets | 0.5942% | 3,773 |
| Return on assets (ROA) | 0.5942% | 3,881 |
| Pretax return on assets | 0.5942% | 4,094 |
| Return on Equity (ROE) | 5.1282% | 3,868 |
| Retained earnings to average equity (ytd only) | 5.1282% | 2,224 |
| Net charge-offs to loans | 0.1531% | 1,062 |
| Credit loss provision to net charge-offs | 101.3514% | 2,800 |
| Earnings coverage of net charge-offs (x) | 5.4324% | 2,868 |
| Efficiency ratio | 80.0957% | 888 |
| Assets per employee ($millions) | 6.6518% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 3,310 |
| Loan loss allowance to noncurrent loans | 66.1043% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.5080% | 484 |
| Noncurrent loans to loans | 1.7077% | 742 |
| Net loans and leases to total assets | 87.3088% | 64 |
| Net loans and leases to deposits | 101.4819% | 321 |
| Net loans and leases to core deposits | 110.7649% | 486 |
| Total domestic deposits to total assets | 86.0339% | 2,353 |
| Equity capital to assets | 11.0149% | 2,241 |
| Core capital (leverage) ratio | 10.6507% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,094,400 | 3,238 |
| Average earning assets | $159,335,800 | 3,176 |
| Average equity | $19,129,400 | 3,266 |
| Average total loans | $145,003,600 | 2,710 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2640% | 367 |
| Cost of funding earning assets | 1.4417% | 148 |
| Net interest margin | 3.8223% | 1,560 |
| Noninterest income to average assets | 0.0548% | 4,878 |
| Noninterest expense to average assets | 2.8018% | 1,960 |
| Loan and lease loss provision to assets | 0.1392% | 2,627 |
| Net operating income to assets | 0.8042% | 3,072 |
| Return on assets (ROA) | 0.8042% | 3,193 |
| Pretax return on assets | 0.8042% | 3,634 |
| Return on Equity (ROE) | 6.8513% | 3,257 |
| Retained earnings to average equity (ytd only) | 6.8513% | 1,759 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8145% | 1,323 |
| Assets per employee ($millions) | 6.8752% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 2,713 |
| Loan loss allowance to noncurrent loans | 512.1951% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 3,405 |
| Noncurrent loans to loans | 0.2326% | 3,471 |
| Net loans and leases to total assets | 87.6854% | 86 |
| Net loans and leases to deposits | 102.8842% | 422 |
| Net loans and leases to core deposits | 112.0401% | 629 |
| Total domestic deposits to total assets | 85.2273% | 2,351 |
| Equity capital to assets | 10.9932% | 2,402 |
| Core capital (leverage) ratio | 11.0455% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,131,250 | 3,239 |
| Average earning assets | $157,494,500 | 3,177 |
| Average equity | $19,149,250 | 3,262 |
| Average total loans | $143,074,000 | 2,726 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6821% | 237 |
| Cost of funding earning assets | 1.5226% | 153 |
| Net interest margin | 4.1595% | 1,001 |
| Noninterest income to average assets | 0.0595% | 4,888 |
| Noninterest expense to average assets | 2.9065% | 1,811 |
| Loan and lease loss provision to assets | 0.1013% | 3,000 |
| Net operating income to assets | 1.0651% | 2,094 |
| Return on assets (ROA) | 1.0651% | 2,213 |
| Pretax return on assets | 1.0651% | 2,818 |
| Return on Equity (ROE) | 8.8610% | 2,415 |
| Retained earnings to average equity (ytd only) | 8.8610% | 1,046 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3619% | 1,780 |
| Assets per employee ($millions) | 7.0133% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,492 |
| Loan loss allowance to noncurrent loans | 487.8049% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 3,486 |
| Noncurrent loans to loans | 0.2468% | 3,494 |
| Net loans and leases to total assets | 84.2340% | 234 |
| Net loans and leases to deposits | 99.0072% | 606 |
| Net loans and leases to core deposits | 108.9304% | 773 |
| Total domestic deposits to total assets | 85.0787% | 2,365 |
| Equity capital to assets | 11.1268% | 2,231 |
| Core capital (leverage) ratio | 11.3654% | 1,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,923,000 | 3,272 |
| Average earning assets | $152,373,333 | 3,201 |
| Average equity | $18,982,000 | 3,272 |
| Average total loans | $137,887,667 | 2,770 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1930% | 666 |
| Cost of funding earning assets | 1.6124% | 182 |
| Net interest margin | 3.5806% | 2,735 |
| Noninterest income to average assets | 0.0617% | 4,945 |
| Noninterest expense to average assets | 3.1605% | 1,508 |
| Loan and lease loss provision to assets | 0.0804% | 2,705 |
| Net operating income to assets | 0.2734% | 4,406 |
| Return on assets (ROA) | 0.2734% | 4,427 |
| Pretax return on assets | 0.2734% | 4,489 |
| Return on Equity (ROE) | 2.1797% | 4,409 |
| Retained earnings to average equity (ytd only) | 2.1797% | 3,377 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9314% | 502 |
| Assets per employee ($millions) | 6.1300% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,140 |
| Loan loss allowance to noncurrent loans | 474.2547% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 3,494 |
| Noncurrent loans to loans | 0.2747% | 3,510 |
| Net loans and leases to total assets | 86.5241% | 118 |
| Net loans and leases to deposits | 103.6934% | 379 |
| Net loans and leases to core deposits | 114.7269% | 634 |
| Total domestic deposits to total assets | 83.4422% | 2,961 |
| Equity capital to assets | 12.2511% | 1,886 |
| Core capital (leverage) ratio | 12.4674% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3492% | 1,800 |
| Memoranda: | ||
| Average total assets | $149,218,000 | 3,332 |
| Average earning assets | $143,887,000 | 3,254 |
| Average equity | $18,718,500 | 3,300 |
| Average total loans | $132,086,500 | 2,810 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6510% | 437 |
| Cost of funding earning assets | 1.5745% | 324 |
| Net interest margin | 4.0765% | 1,604 |
| Noninterest income to average assets | 0.1303% | 4,817 |
| Noninterest expense to average assets | 3.2176% | 1,481 |
| Loan and lease loss provision to assets | 0.1080% | 1,923 |
| Net operating income to assets | 0.7263% | 3,778 |
| Return on assets (ROA) | 0.7263% | 3,849 |
| Pretax return on assets | 0.7263% | 4,151 |
| Return on Equity (ROE) | 5.6361% | 4,025 |
| Retained earnings to average equity (ytd only) | 5.6361% | 2,076 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4082% | 992 |
| Assets per employee ($millions) | 5.8074% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 1,815 |
| Loan loss allowance to noncurrent loans | 466.1247% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 3,416 |
| Noncurrent loans to loans | 0.2842% | 3,423 |
| Net loans and leases to total assets | 88.2350% | 79 |
| Net loans and leases to deposits | 106.8522% | 267 |
| Net loans and leases to core deposits | 116.6013% | 577 |
| Total domestic deposits to total assets | 82.5767% | 3,337 |
| Equity capital to assets | 12.8539% | 1,610 |
| Core capital (leverage) ratio | 13.0428% | 1,220 |
| Tier 1 risk-based capital ratio | 14.5946% | 2,968 |
| Total risk-based capital ratio | 15.8457% | 2,870 |
| Memoranda: | ||
| Average total assets | $143,461,200 | 3,385 |
| Average earning assets | $138,010,200 | 3,311 |
| Average equity | $18,488,000 | 3,281 |
| Average total loans | $129,231,000 | 2,828 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5114% | 572 |
| Cost of funding earning assets | 1.5723% | 329 |
| Net interest margin | 3.9391% | 2,138 |
| Noninterest income to average assets | 0.1510% | 4,792 |
| Noninterest expense to average assets | 3.0911% | 1,732 |
| Loan and lease loss provision to assets | 0.0326% | 3,256 |
| Net operating income to assets | 0.8175% | 3,614 |
| Return on assets (ROA) | 0.8175% | 3,696 |
| Pretax return on assets | 0.8175% | 4,080 |
| Return on Equity (ROE) | 6.3396% | 3,940 |
| Retained earnings to average equity (ytd only) | 6.3396% | 2,202 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4295% | 1,061 |
| Assets per employee ($millions) | 5.7015% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,380 |
| Loan loss allowance to noncurrent loans | 56.1207% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 2.0002% | 438 |
| Noncurrent loans to loans | 2.1813% | 588 |
| Net loans and leases to total assets | 90.5723% | 35 |
| Net loans and leases to deposits | 112.6960% | 163 |
| Net loans and leases to core deposits | 122.5462% | 457 |
| Total domestic deposits to total assets | 80.3687% | 3,905 |
| Equity capital to assets | 13.3312% | 1,448 |
| Core capital (leverage) ratio | 13.3142% | 1,207 |
| Tier 1 risk-based capital ratio | 14.6689% | 3,000 |
| Total risk-based capital ratio | 15.9044% | 2,931 |
| Memoranda: | ||
| Average total assets | $143,030,250 | 3,426 |
| Average earning assets | $137,625,750 | 3,349 |
| Average equity | $18,444,500 | 3,308 |
| Average total loans | $129,082,750 | 2,866 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3886% | 697 |
| Cost of funding earning assets | 1.5398% | 329 |
| Net interest margin | 3.8488% | 2,411 |
| Noninterest income to average assets | 0.1872% | 4,635 |
| Noninterest expense to average assets | 3.0308% | 1,915 |
| Loan and lease loss provision to assets | 0.0279% | 3,263 |
| Net operating income to assets | 0.8394% | 3,510 |
| Return on assets (ROA) | 0.8394% | 3,570 |
| Pretax return on assets | 0.8394% | 3,998 |
| Return on Equity (ROE) | 6.5832% | 3,850 |
| Retained earnings to average equity (ytd only) | 6.5832% | 2,012 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7499% | 1,186 |
| Assets per employee ($millions) | 5.7056% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,296 |
| Loan loss allowance to noncurrent loans | 55.2265% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 2.0121% | 461 |
| Noncurrent loans to loans | 2.2473% | 590 |
| Net loans and leases to total assets | 88.4197% | 96 |
| Net loans and leases to deposits | 108.8263% | 247 |
| Net loans and leases to core deposits | 120.6542% | 527 |
| Total domestic deposits to total assets | 81.2485% | 3,738 |
| Equity capital to assets | 13.1268% | 1,532 |
| Core capital (leverage) ratio | 12.9667% | 1,308 |
| Tier 1 risk-based capital ratio | 14.5839% | 3,027 |
| Total risk-based capital ratio | 15.8186% | 2,954 |
| Memoranda: | ||
| Average total assets | $143,194,330 | 3,443 |
| Average earning assets | $138,068,670 | 3,355 |
| Average equity | $18,258,670 | 3,324 |
| Average total loans | $128,543,670 | 2,888 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6710% | 380 |
| Cost of funding earning assets | 1.4974% | 328 |
| Net interest margin | 4.1736% | 1,365 |
| Noninterest income to average assets | 0.0558% | 5,197 |
| Noninterest expense to average assets | 3.1504% | 1,617 |
| Loan and lease loss provision to assets | 0.0558% | 2,553 |
| Net operating income to assets | 0.8671% | 3,371 |
| Return on assets (ROA) | 0.8671% | 3,419 |
| Pretax return on assets | 0.8671% | 3,873 |
| Return on Equity (ROE) | 6.9011% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.9011% | 2,081 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3443% | 1,343 |
| Assets per employee ($millions) | 6.0129% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 2,389 |
| Loan loss allowance to noncurrent loans | 389.4349% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.6569% | 2,125 |
| Noncurrent loans to loans | 0.3181% | 3,429 |
| Net loans and leases to total assets | 87.5740% | 116 |
| Net loans and leases to deposits | 107.1899% | 289 |
| Net loans and leases to core deposits | 119.9453% | 531 |
| Total domestic deposits to total assets | 81.6998% | 3,801 |
| Equity capital to assets | 12.7628% | 1,590 |
| Core capital (leverage) ratio | 12.8348% | 1,347 |
| Tier 1 risk-based capital ratio | 14.9856% | 2,896 |
| Total risk-based capital ratio | 16.2353% | 2,820 |
| Memoranda: | ||
| Average total assets | $143,472,000 | 3,472 |
| Average earning assets | $138,106,000 | 3,394 |
| Average equity | $18,026,000 | 3,349 |
| Average total loans | $128,962,500 | 2,915 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1034% | 842 |
| Cost of funding earning assets | 1.1525% | 410 |
| Net interest margin | 3.9509% | 2,156 |
| Noninterest income to average assets | 0.0747% | 5,220 |
| Noninterest expense to average assets | 3.2743% | 1,386 |
| Loan and lease loss provision to assets | 0.2264% | 787 |
| Net operating income to assets | 0.3381% | 4,963 |
| Return on assets (ROA) | 0.3381% | 4,956 |
| Pretax return on assets | 0.3381% | 5,012 |
| Return on Equity (ROE) | 2.7386% | 4,952 |
| Retained earnings to average equity (ytd only) | 2.7386% | 4,032 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2959% | 564 |
| Assets per employee ($millions) | 5.9702% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 2,547 |
| Loan loss allowance to noncurrent loans | 89.1230% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 2.0588% | 454 |
| Noncurrent loans to loans | 1.3512% | 1,158 |
| Net loans and leases to total assets | 89.6095% | 70 |
| Net loans and leases to deposits | 110.3105% | 247 |
| Net loans and leases to core deposits | 120.2624% | 537 |
| Total domestic deposits to total assets | 81.2339% | 3,836 |
| Equity capital to assets | 12.7613% | 1,457 |
| Core capital (leverage) ratio | 12.9926% | 1,255 |
| Tier 1 risk-based capital ratio | 14.1495% | 3,216 |
| Total risk-based capital ratio | 15.3587% | 3,175 |
| Memoranda: | ||
| Average total assets | $132,517,000 | 3,616 |
| Average earning assets | $126,248,400 | 3,559 |
| Average equity | $16,358,600 | 3,479 |
| Average total loans | $114,248,400 | 3,075 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9989% | 945 |
| Cost of funding earning assets | 1.1019% | 399 |
| Net interest margin | 3.8971% | 2,314 |
| Noninterest income to average assets | 0.0811% | 5,270 |
| Noninterest expense to average assets | 3.2196% | 1,481 |
| Loan and lease loss provision to assets | 0.2054% | 828 |
| Net operating income to assets | 0.3646% | 5,003 |
| Return on assets (ROA) | 0.3646% | 5,003 |
| Pretax return on assets | 0.3646% | 5,071 |
| Return on Equity (ROE) | 2.9812% | 5,009 |
| Retained earnings to average equity (ytd only) | 2.9812% | 4,245 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9593% | 582 |
| Assets per employee ($millions) | 5.8800% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,419 |
| Loan loss allowance to noncurrent loans | 82.5352% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 2.1954% | 450 |
| Noncurrent loans to loans | 1.4999% | 1,090 |
| Net loans and leases to total assets | 86.4234% | 225 |
| Net loans and leases to deposits | 105.2461% | 471 |
| Net loans and leases to core deposits | 115.2414% | 751 |
| Total domestic deposits to total assets | 82.1155% | 3,579 |
| Equity capital to assets | 12.9237% | 1,367 |
| Core capital (leverage) ratio | 13.1899% | 1,211 |
| Tier 1 risk-based capital ratio | 14.6001% | 3,065 |
| Total risk-based capital ratio | 15.8211% | 3,005 |
| Memoranda: | ||
| Average total assets | $129,825,000 | 3,681 |
| Average earning assets | $123,543,250 | 3,628 |
| Average equity | $15,877,000 | 3,550 |
| Average total loans | $110,320,000 | 3,150 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9636% | 884 |
| Cost of funding earning assets | 1.0763% | 325 |
| Net interest margin | 3.8873% | 2,246 |
| Noninterest income to average assets | 0.0906% | 5,292 |
| Noninterest expense to average assets | 3.2526% | 1,430 |
| Loan and lease loss provision to assets | 0.1562% | 1,203 |
| Net operating income to assets | 0.3718% | 5,018 |
| Return on assets (ROA) | 0.3718% | 5,019 |
| Pretax return on assets | 0.3718% | 5,079 |
| Return on Equity (ROE) | 3.1023% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.1023% | 4,008 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0331% | 564 |
| Assets per employee ($millions) | 5.5390% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,418 |
| Loan loss allowance to noncurrent loans | 81.5412% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 2.2512% | 419 |
| Noncurrent loans to loans | 1.5363% | 1,081 |
| Net loans and leases to total assets | 84.4572% | 410 |
| Net loans and leases to deposits | 104.0842% | 522 |
| Net loans and leases to core deposits | 111.3703% | 915 |
| Total domestic deposits to total assets | 81.1432% | 3,956 |
| Equity capital to assets | 13.6314% | 1,059 |
| Core capital (leverage) ratio | 13.7014% | 993 |
| Tier 1 risk-based capital ratio | 15.5599% | 2,611 |
| Total risk-based capital ratio | 16.7805% | 2,569 |
| Memoranda: | ||
| Average total assets | $128,020,000 | 3,735 |
| Average earning assets | $121,523,670 | 3,679 |
| Average equity | $15,343,330 | 3,638 |
| Average total loans | $107,645,330 | 3,208 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7252% | 1,248 |
| Cost of funding earning assets | 1.0700% | 263 |
| Net interest margin | 3.6552% | 2,969 |
| Noninterest income to average assets | 0.1371% | 5,181 |
| Noninterest expense to average assets | 3.1730% | 1,628 |
| Loan and lease loss provision to assets | 0.1714% | 1,025 |
| Net operating income to assets | 0.2743% | 5,128 |
| Return on assets (ROA) | 0.2743% | 5,129 |
| Pretax return on assets | 0.2743% | 5,185 |
| Return on Equity (ROE) | 2.4560% | 5,116 |
| Retained earnings to average equity (ytd only) | 2.4560% | 4,188 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6830% | 551 |
| Assets per employee ($millions) | 5.5556% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 2,691 |
| Loan loss allowance to noncurrent loans | 78.4442% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 2.2523% | 447 |
| Noncurrent loans to loans | 1.5544% | 1,127 |
| Net loans and leases to total assets | 83.7540% | 458 |
| Net loans and leases to deposits | 100.2454% | 687 |
| Net loans and leases to core deposits | 108.0879% | 1,117 |
| Total domestic deposits to total assets | 83.5489% | 3,482 |
| Equity capital to assets | 11.2444% | 2,353 |
| Core capital (leverage) ratio | 11.3517% | 2,121 |
| Tier 1 risk-based capital ratio | 13.2985% | 3,786 |
| Total risk-based capital ratio | 14.5184% | 3,703 |
| Memoranda: | ||
| Average total assets | $128,331,500 | 3,769 |
| Average earning assets | $122,238,000 | 3,710 |
| Average equity | $14,332,000 | 3,792 |
| Average total loans | $106,987,500 | 3,245 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 705 |
| Cost of funding earning assets | 0.9366% | 306 |
| Net interest margin | 4.0178% | 1,695 |
| Noninterest income to average assets | 0.0562% | 5,518 |
| Noninterest expense to average assets | 3.9440% | 582 |
| Loan and lease loss provision to assets | 0.1489% | 1,522 |
| Net operating income to assets | -0.2179% | 5,455 |
| Return on assets (ROA) | -0.2179% | 5,453 |
| Pretax return on assets | -0.2179% | 5,502 |
| Return on Equity (ROE) | -1.7324% | 5,454 |
| Retained earnings to average equity (ytd only) | -1.7324% | 5,254 |
| Net charge-offs to loans | 0.0090% | 3,774 |
| Credit loss provision to net charge-offs | 1,944.4444% | 195 |
| Earnings coverage of net charge-offs (x) | -9.0000% | 4,084 |
| Efficiency ratio | 101.7790% | 151 |
| Assets per employee ($millions) | 5.8584% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,801 |
| Loan loss allowance to noncurrent loans | 332.8947% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 1.3446% | 1,067 |
| Noncurrent loans to loans | 0.3597% | 3,481 |
| Net loans and leases to total assets | 80.9790% | 839 |
| Net loans and leases to deposits | 98.4474% | 864 |
| Net loans and leases to core deposits | 106.1891% | 1,253 |
| Total domestic deposits to total assets | 82.2561% | 3,797 |
| Equity capital to assets | 11.0921% | 2,546 |
| Core capital (leverage) ratio | 11.6652% | 1,820 |
| Tier 1 risk-based capital ratio | 13.5076% | 3,623 |
| Total risk-based capital ratio | 14.7015% | 3,564 |
| Memoranda: | ||
| Average total assets | $117,493,600 | 3,937 |
| Average earning assets | $111,678,600 | 3,888 |
| Average equity | $14,777,200 | 3,743 |
| Average total loans | $100,182,800 | 3,346 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0561% | 548 |
| Cost of funding earning assets | 0.9253% | 302 |
| Net interest margin | 4.1308% | 1,315 |
| Noninterest income to average assets | 0.0582% | 5,585 |
| Noninterest expense to average assets | 3.0784% | 1,860 |
| Loan and lease loss provision to assets | 0.1454% | 1,445 |
| Net operating income to assets | 0.7594% | 3,698 |
| Return on assets (ROA) | 0.7594% | 3,753 |
| Pretax return on assets | 0.7594% | 4,453 |
| Return on Equity (ROE) | 5.8442% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.8442% | 2,344 |
| Net charge-offs to loans | -0.0094% | 4,620 |
| Credit loss provision to net charge-offs | -1,785.7143% | 5,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2847% | 1,426 |
| Assets per employee ($millions) | 5.2440% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,729 |
| Loan loss allowance to noncurrent loans | 216.9014% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 2.0330% | 626 |
| Noncurrent loans to loans | 0.5683% | 2,992 |
| Net loans and leases to total assets | 81.8466% | 719 |
| Net loans and leases to deposits | 102.0078% | 616 |
| Net loans and leases to core deposits | 110.5517% | 993 |
| Total domestic deposits to total assets | 80.2356% | 4,271 |
| Equity capital to assets | 12.6224% | 1,591 |
| Core capital (leverage) ratio | 12.9853% | 1,214 |
| Tier 1 risk-based capital ratio | 14.8266% | 3,001 |
| Total risk-based capital ratio | 16.0267% | 2,958 |
| Memoranda: | ||
| Average total assets | $114,646,000 | 4,020 |
| Average earning assets | $108,934,750 | 3,980 |
| Average equity | $14,897,500 | 3,766 |
| Average total loans | $98,820,000 | 3,400 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0923% | 479 |
| Cost of funding earning assets | 0.8963% | 312 |
| Net interest margin | 4.1960% | 1,084 |
| Noninterest income to average assets | 0.0568% | 5,637 |
| Noninterest expense to average assets | 2.9931% | 2,132 |
| Loan and lease loss provision to assets | 0.2219% | 792 |
| Net operating income to assets | 0.8308% | 3,247 |
| Return on assets (ROA) | 0.8308% | 3,297 |
| Pretax return on assets | 0.8308% | 4,156 |
| Return on Equity (ROE) | 6.3292% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.3292% | 1,947 |
| Net charge-offs to loans | -0.0142% | 4,648 |
| Credit loss provision to net charge-offs | -1,785.7143% | 4,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9798% | 2,021 |
| Assets per employee ($millions) | 5.2528% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 3,027 |
| Loan loss allowance to noncurrent loans | 206.3652% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 2.1469% | 563 |
| Noncurrent loans to loans | 0.5807% | 2,992 |
| Net loans and leases to total assets | 87.8964% | 152 |
| Net loans and leases to deposits | 108.6446% | 295 |
| Net loans and leases to core deposits | 119.7270% | 566 |
| Total domestic deposits to total assets | 80.9027% | 4,203 |
| Equity capital to assets | 13.0139% | 1,375 |
| Core capital (leverage) ratio | 13.1409% | 1,121 |
| Tier 1 risk-based capital ratio | 14.0726% | 3,393 |
| Total risk-based capital ratio | 15.2257% | 3,356 |
| Memoranda: | ||
| Average total assets | $112,657,670 | 4,085 |
| Average earning assets | $107,102,000 | 4,031 |
| Average equity | $14,788,670 | 3,787 |
| Average total loans | $98,444,000 | 3,424 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9712% | 549 |
| Cost of funding earning assets | 0.8828% | 309 |
| Net interest margin | 4.0883% | 1,239 |
| Noninterest income to average assets | 0.0611% | 5,702 |
| Noninterest expense to average assets | 2.9783% | 2,216 |
| Loan and lease loss provision to assets | 0.3057% | 430 |
| Net operating income to assets | 0.6582% | 3,892 |
| Return on assets (ROA) | 0.6582% | 3,931 |
| Pretax return on assets | 0.6582% | 4,569 |
| Return on Equity (ROE) | 4.9920% | 4,394 |
| Retained earnings to average equity (ytd only) | 4.9920% | 2,900 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5474% | 1,978 |
| Assets per employee ($millions) | 7.0713% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 3,129 |
| Loan loss allowance to noncurrent loans | 192.0583% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 2.2105% | 566 |
| Noncurrent loans to loans | 0.6254% | 2,949 |
| Net loans and leases to total assets | 86.1456% | 211 |
| Net loans and leases to deposits | 106.7290% | 298 |
| Net loans and leases to core deposits | 118.6252% | 499 |
| Total domestic deposits to total assets | 80.7143% | 4,480 |
| Equity capital to assets | 13.0412% | 1,241 |
| Core capital (leverage) ratio | 13.2682% | 1,050 |
| Tier 1 risk-based capital ratio | 14.6390% | 3,144 |
| Total risk-based capital ratio | 15.8150% | 3,101 |
| Memoranda: | ||
| Average total assets | $111,206,000 | 4,150 |
| Average earning assets | $105,568,500 | 4,093 |
| Average equity | $14,663,500 | 3,820 |
| Average total loans | $96,263,000 | 3,477 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 848 |
| Cost of funding earning assets | 0.8156% | 462 |
| Net interest margin | 4.0081% | 1,615 |
| Noninterest income to average assets | 0.0775% | 5,704 |
| Noninterest expense to average assets | 3.0935% | 2,058 |
| Loan and lease loss provision to assets | 0.3571% | 472 |
| Net operating income to assets | 0.4173% | 4,885 |
| Return on assets (ROA) | 0.4173% | 4,966 |
| Pretax return on assets | 0.4173% | 5,189 |
| Return on Equity (ROE) | 3.0260% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.0260% | 3,742 |
| Net charge-offs to loans | 0.0506% | 3,028 |
| Credit loss provision to net charge-offs | 853.6585% | 433 |
| Earnings coverage of net charge-offs (x) | 18.5122% | 1,966 |
| Efficiency ratio | 79.9789% | 1,424 |
| Assets per employee ($millions) | 6.4277% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 3,298 |
| Loan loss allowance to noncurrent loans | 166.1631% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 2.3300% | 533 |
| Noncurrent loans to loans | 0.7052% | 2,771 |
| Net loans and leases to total assets | 84.9036% | 310 |
| Net loans and leases to deposits | 105.8435% | 348 |
| Net loans and leases to core deposits | 125.4734% | 355 |
| Total domestic deposits to total assets | 80.2162% | 4,527 |
| Equity capital to assets | 13.3357% | 1,118 |
| Core capital (leverage) ratio | 13.8147% | 865 |
| Tier 1 risk-based capital ratio | 15.1044% | 2,921 |
| Total risk-based capital ratio | 16.2449% | 2,907 |
| Memoranda: | ||
| Average total assets | $98,012,400 | 4,386 |
| Average earning assets | $92,688,400 | 4,334 |
| Average equity | $13,516,400 | 4,021 |
| Average total loans | $81,014,400 | 3,782 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8708% | 777 |
| Cost of funding earning assets | 0.8160% | 459 |
| Net interest margin | 4.0548% | 1,512 |
| Noninterest income to average assets | 0.0784% | 5,769 |
| Noninterest expense to average assets | 2.9356% | 2,517 |
| Loan and lease loss provision to assets | 0.3922% | 376 |
| Net operating income to assets | 0.5784% | 4,374 |
| Return on assets (ROA) | 0.5784% | 4,492 |
| Pretax return on assets | 0.5784% | 4,932 |
| Return on Equity (ROE) | 4.1551% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.1551% | 3,360 |
| Net charge-offs to loans | -0.0120% | 4,843 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1524% | 2,083 |
| Assets per employee ($millions) | 5.2218% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 2,732 |
| Loan loss allowance to noncurrent loans | 98.6276% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 2.8506% | 425 |
| Noncurrent loans to loans | 1.3103% | 1,695 |
| Net loans and leases to total assets | 78.8423% | 1,062 |
| Net loans and leases to deposits | 96.5163% | 996 |
| Net loans and leases to core deposits | 115.4080% | 677 |
| Total domestic deposits to total assets | 81.6881% | 4,044 |
| Equity capital to assets | 13.9656% | 1,050 |
| Core capital (leverage) ratio | 14.0013% | 848 |
| Tier 1 risk-based capital ratio | 16.4202% | 2,450 |
| Total risk-based capital ratio | 17.6351% | 2,410 |
| Memoranda: | ||
| Average total assets | $95,197,750 | 4,475 |
| Average earning assets | $89,866,750 | 4,426 |
| Average equity | $13,252,500 | 4,090 |
| Average total loans | $77,799,250 | 3,881 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8151% | 858 |
| Cost of funding earning assets | 0.7937% | 513 |
| Net interest margin | 4.0214% | 1,579 |
| Noninterest income to average assets | 0.0760% | 5,850 |
| Noninterest expense to average assets | 2.8420% | 2,866 |
| Loan and lease loss provision to assets | 0.4776% | 281 |
| Net operating income to assets | 0.5515% | 4,476 |
| Return on assets (ROA) | 0.5515% | 4,586 |
| Pretax return on assets | 0.5515% | 5,021 |
| Return on Equity (ROE) | 3.9662% | 4,926 |
| Retained earnings to average equity (ytd only) | 3.9662% | 3,375 |
| Net charge-offs to loans | -0.0184% | 4,913 |
| Credit loss provision to net charge-offs | -3,142.8571% | 5,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4156% | 2,447 |
| Assets per employee ($millions) | 5.7026% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 3,273 |
| Loan loss allowance to noncurrent loans | 91.4645% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 2.9197% | 429 |
| Noncurrent loans to loans | 1.3279% | 1,695 |
| Net loans and leases to total assets | 80.6609% | 799 |
| Net loans and leases to deposits | 98.8408% | 801 |
| Net loans and leases to core deposits | 118.1045% | 565 |
| Total domestic deposits to total assets | 81.6069% | 4,116 |
| Equity capital to assets | 14.0589% | 1,005 |
| Core capital (leverage) ratio | 14.7096% | 665 |
| Tier 1 risk-based capital ratio | 15.9715% | 2,657 |
| Total risk-based capital ratio | 17.0996% | 2,651 |
| Memoranda: | ||
| Average total assets | $92,118,670 | 4,579 |
| Average earning assets | $86,934,000 | 4,525 |
| Average equity | $12,808,330 | 4,175 |
| Average total loans | $75,926,670 | 3,951 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8124% | 825 |
| Cost of funding earning assets | 0.7841% | 533 |
| Net interest margin | 4.0283% | 1,534 |
| Noninterest income to average assets | 0.0691% | 5,910 |
| Noninterest expense to average assets | 3.0994% | 2,106 |
| Loan and lease loss provision to assets | 0.4605% | 281 |
| Net operating income to assets | 0.2947% | 5,323 |
| Return on assets (ROA) | 0.2947% | 5,400 |
| Pretax return on assets | 0.2947% | 5,516 |
| Return on Equity (ROE) | 2.1339% | 5,478 |
| Retained earnings to average equity (ytd only) | 2.1339% | 4,404 |
| Net charge-offs to loans | -0.0333% | 5,111 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4062% | 1,559 |
| Assets per employee ($millions) | 5.2533% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 3,727 |
| Loan loss allowance to noncurrent loans | 79.2403% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 3.1895% | 380 |
| Noncurrent loans to loans | 1.4601% | 1,616 |
| Net loans and leases to total assets | 81.0394% | 679 |
| Net loans and leases to deposits | 101.0870% | 557 |
| Net loans and leases to core deposits | 122.6669% | 397 |
| Total domestic deposits to total assets | 80.1679% | 4,708 |
| Equity capital to assets | 15.0552% | 680 |
| Core capital (leverage) ratio | 16.1004% | 457 |
| Tier 1 risk-based capital ratio | 17.2307% | 2,199 |
| Total risk-based capital ratio | 18.3175% | 2,226 |
| Memoranda: | ||
| Average total assets | $86,854,500 | 4,709 |
| Average earning assets | $81,622,000 | 4,668 |
| Average equity | $11,997,000 | 4,335 |
| Average total loans | $71,983,000 | 4,067 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9922% | 635 |
| Cost of funding earning assets | 0.6789% | 921 |
| Net interest margin | 4.3134% | 941 |
| Noninterest income to average assets | 0.1157% | 5,822 |
| Noninterest expense to average assets | 3.6900% | 992 |
| Loan and lease loss provision to assets | 0.1674% | 1,370 |
| Net operating income to assets | 0.1949% | 5,586 |
| Return on assets (ROA) | 0.1979% | 5,640 |
| Pretax return on assets | 0.1979% | 5,689 |
| Return on Equity (ROE) | 1.4755% | 5,691 |
| Retained earnings to average equity (ytd only) | 1.4755% | 4,884 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0594% | 627 |
| Assets per employee ($millions) | 4.3972% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 3,537 |
| Loan loss allowance to noncurrent loans | 80.3046% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 3.7802% | 282 |
| Noncurrent loans to loans | 1.4826% | 1,566 |
| Net loans and leases to total assets | 82.9413% | 489 |
| Net loans and leases to deposits | 101.1089% | 602 |
| Net loans and leases to core deposits | 116.1768% | 598 |
| Total domestic deposits to total assets | 82.0316% | 4,158 |
| Equity capital to assets | 12.3285% | 1,719 |
| Core capital (leverage) ratio | 12.1288% | 1,544 |
| Tier 1 risk-based capital ratio | 13.4518% | 4,030 |
| Total risk-based capital ratio | 14.5423% | 4,056 |
| Memoranda: | ||
| Average total assets | $65,691,400 | 5,188 |
| Average earning assets | $59,953,400 | 5,190 |
| Average equity | $8,810,600 | 4,892 |
| Average total loans | $51,229,800 | 4,628 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0267% | 585 |
| Cost of funding earning assets | 0.6369% | 1,167 |
| Net interest margin | 4.3898% | 816 |
| Noninterest income to average assets | 0.1348% | 5,810 |
| Noninterest expense to average assets | 3.5917% | 1,133 |
| Loan and lease loss provision to assets | 0.0642% | 2,900 |
| Net operating income to assets | 0.4599% | 4,935 |
| Return on assets (ROA) | 0.4599% | 5,029 |
| Pretax return on assets | 0.4599% | 5,330 |
| Return on Equity (ROE) | 3.3435% | 5,271 |
| Retained earnings to average equity (ytd only) | 3.3435% | 4,094 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2661% | 913 |
| Assets per employee ($millions) | 5.4114% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 3,651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6716% | 614 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 77.2053% | 1,222 |
| Net loans and leases to deposits | 93.6349% | 1,244 |
| Net loans and leases to core deposits | 103.1788% | 1,290 |
| Total domestic deposits to total assets | 82.4536% | 4,004 |
| Equity capital to assets | 13.0163% | 1,435 |
| Core capital (leverage) ratio | 13.5169% | 1,011 |
| Tier 1 risk-based capital ratio | 15.9108% | 2,840 |
| Total risk-based capital ratio | 17.0604% | 2,824 |
| Memoranda: | ||
| Average total assets | $62,326,750 | 5,331 |
| Average earning assets | $56,523,500 | 5,348 |
| Average equity | $8,573,750 | 5,000 |
| Average total loans | $47,427,500 | 4,800 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9240% | 693 |
| Cost of funding earning assets | 0.5881% | 1,500 |
| Net interest margin | 4.3358% | 859 |
| Noninterest income to average assets | 0.1314% | 5,897 |
| Noninterest expense to average assets | 3.4089% | 1,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6223% | 4,253 |
| Return on assets (ROA) | 0.6223% | 4,363 |
| Pretax return on assets | 0.6223% | 4,922 |
| Return on Equity (ROE) | 4.4201% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.4201% | 3,198 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5626% | 1,205 |
| Assets per employee ($millions) | 5.3015% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 3,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9745% | 569 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 75.9936% | 1,368 |
| Net loans and leases to deposits | 93.1193% | 1,239 |
| Net loans and leases to core deposits | 103.2509% | 1,243 |
| Total domestic deposits to total assets | 81.6088% | 4,415 |
| Equity capital to assets | 14.2530% | 892 |
| Core capital (leverage) ratio | 16.3167% | 425 |
| Tier 1 risk-based capital ratio | 17.2132% | 2,322 |
| Total risk-based capital ratio | 18.4086% | 2,298 |
| Memoranda: | ||
| Average total assets | $57,849,330 | 5,490 |
| Average earning assets | $52,031,330 | 5,514 |
| Average equity | $8,144,670 | 5,137 |
| Average total loans | $43,503,000 | 4,970 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 1,024 |
| Cost of funding earning assets | 0.5668% | 1,689 |
| Net interest margin | 4.1392% | 1,187 |
| Noninterest income to average assets | 0.1300% | 5,950 |
| Noninterest expense to average assets | 3.4560% | 1,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3594% | 5,226 |
| Return on assets (ROA) | 0.3594% | 5,341 |
| Pretax return on assets | 0.3594% | 5,518 |
| Return on Equity (ROE) | 2.5734% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.5734% | 4,396 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5812% | 808 |
| Assets per employee ($millions) | 6.3072% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 2,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.6114% | 450 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 73.2846% | 1,600 |
| Net loans and leases to deposits | 94.1688% | 963 |
| Net loans and leases to core deposits | 105.4232% | 977 |
| Total domestic deposits to total assets | 77.8226% | 5,484 |
| Equity capital to assets | 17.0739% | 413 |
| Core capital (leverage) ratio | 18.7533% | 250 |
| Tier 1 risk-based capital ratio | 21.0231% | 1,421 |
| Total risk-based capital ratio | 22.2752% | 1,397 |
| Memoranda: | ||
| Average total assets | $52,314,500 | 5,678 |
| Average earning assets | $46,579,500 | 5,694 |
| Average equity | $7,305,500 | 5,343 |
| Average total loans | $38,727,000 | 5,185 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1639% | 558 |
| Cost of funding earning assets | 0.6977% | 1,124 |
| Net interest margin | 4.4662% | 795 |
| Noninterest income to average assets | 0.1426% | 5,981 |
| Noninterest expense to average assets | 3.7823% | 1,011 |
| Loan and lease loss provision to assets | -0.1753% | 6,262 |
| Net operating income to assets | 0.4114% | 5,186 |
| Return on assets (ROA) | 0.4114% | 5,247 |
| Pretax return on assets | 0.4114% | 5,454 |
| Return on Equity (ROE) | 3.9922% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.9922% | 3,370 |
| Net charge-offs to loans | -0.1991% | 6,263 |
| Credit loss provision to net charge-offs | 122.9508% | 1,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1245% | 592 |
| Assets per employee ($millions) | 6.8377% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9361% | 1,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.2830% | 380 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 72.0625% | 1,902 |
| Net loans and leases to deposits | 86.0987% | 1,967 |
| Net loans and leases to core deposits | 93.2115% | 1,975 |
| Total domestic deposits to total assets | 83.6976% | 3,840 |
| Equity capital to assets | 10.2770% | 3,760 |
| Core capital (leverage) ratio | 10.5786% | 2,867 |
| Tier 1 risk-based capital ratio | 12.7346% | 4,899 |
| Total risk-based capital ratio | 13.9183% | 4,850 |
| Memoranda: | ||
| Average total assets | $42,778,000 | 5,957 |
| Average earning assets | $37,123,000 | 6,013 |
| Average equity | $4,408,600 | 6,006 |
| Average total loans | $30,640,200 | 5,543 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1773% | 546 |
| Cost of funding earning assets | 0.7029% | 1,136 |
| Net interest margin | 4.4743% | 784 |
| Noninterest income to average assets | 0.1221% | 6,152 |
| Noninterest expense to average assets | 3.7102% | 1,101 |
| Loan and lease loss provision to assets | -0.2409% | 6,418 |
| Net operating income to assets | 0.5172% | 4,817 |
| Return on assets (ROA) | 0.5172% | 4,878 |
| Pretax return on assets | 0.5172% | 5,275 |
| Return on Equity (ROE) | 5.0142% | 4,712 |
| Retained earnings to average equity (ytd only) | 5.0142% | 3,070 |
| Net charge-offs to loans | -0.3072% | 6,395 |
| Credit loss provision to net charge-offs | 110.2941% | 2,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0701% | 642 |
| Assets per employee ($millions) | 6.3311% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1849% | 966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.6257% | 390 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 69.5000% | 2,270 |
| Net loans and leases to deposits | 84.2893% | 2,108 |
| Net loans and leases to core deposits | 88.0406% | 2,426 |
| Total domestic deposits to total assets | 82.4541% | 4,315 |
| Equity capital to assets | 11.0542% | 2,895 |
| Core capital (leverage) ratio | 11.0612% | 2,422 |
| Tier 1 risk-based capital ratio | 13.9172% | 4,280 |
| Total risk-based capital ratio | 15.1757% | 4,216 |
| Memoranda: | ||
| Average total assets | $41,506,500 | 6,071 |
| Average earning assets | $35,848,000 | 6,118 |
| Average equity | $4,281,000 | 6,100 |
| Average total loans | $29,507,000 | 5,638 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8243% | 1,027 |
| Cost of funding earning assets | 0.7007% | 1,188 |
| Net interest margin | 4.1236% | 1,440 |
| Noninterest income to average assets | 0.1430% | 6,105 |
| Noninterest expense to average assets | 3.5840% | 1,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0986% | 6,049 |
| Return on assets (ROA) | 0.0986% | 6,081 |
| Pretax return on assets | 0.0986% | 6,100 |
| Return on Equity (ROE) | 0.9816% | 6,059 |
| Retained earnings to average equity (ytd only) | 0.9816% | 5,366 |
| Net charge-offs to loans | -0.3397% | 6,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3226% | 492 |
| Assets per employee ($millions) | 6.2243% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5908% | 624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.8359% | 382 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 64.2024% | 3,047 |
| Net loans and leases to deposits | 77.7568% | 2,834 |
| Net loans and leases to core deposits | 81.2720% | 3,068 |
| Total domestic deposits to total assets | 82.5683% | 4,459 |
| Equity capital to assets | 10.9387% | 2,938 |
| Core capital (leverage) ratio | 11.5784% | 1,941 |
| Tier 1 risk-based capital ratio | 14.4385% | 3,966 |
| Total risk-based capital ratio | 15.6987% | 3,901 |
| Memoranda: | ||
| Average total assets | $40,569,330 | 6,154 |
| Average earning assets | $34,823,670 | 6,199 |
| Average equity | $4,075,000 | 6,190 |
| Average total loans | $28,846,330 | 5,704 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0162% | 697 |
| Cost of funding earning assets | 0.6375% | 1,667 |
| Net interest margin | 4.3786% | 843 |
| Noninterest income to average assets | 0.2764% | 5,161 |
| Noninterest expense to average assets | 3.9725% | 787 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0307% | 6,164 |
| Return on assets (ROA) | 0.0307% | 6,182 |
| Pretax return on assets | 0.0307% | 6,177 |
| Return on Equity (ROE) | 0.3218% | 6,175 |
| Retained earnings to average equity (ytd only) | 0.3218% | 5,440 |
| Net charge-offs to loans | -0.0138% | 5,173 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2327% | 495 |
| Assets per employee ($millions) | 4.3353% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4210% | 889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.4129% | 360 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 72.0001% | 1,576 |
| Net loans and leases to deposits | 86.6667% | 1,512 |
| Net loans and leases to core deposits | 89.5851% | 1,950 |
| Total domestic deposits to total assets | 83.0770% | 4,583 |
| Equity capital to assets | 9.5956% | 4,358 |
| Core capital (leverage) ratio | 9.8170% | 3,833 |
| Tier 1 risk-based capital ratio | 12.2851% | 5,453 |
| Total risk-based capital ratio | 13.5484% | 5,377 |
| Memoranda: | ||
| Average total assets | $39,069,000 | 6,258 |
| Average earning assets | $33,252,500 | 6,306 |
| Average equity | $3,729,500 | 6,299 |
| Average total loans | $28,911,000 | 5,752 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 1,377 |
| Cost of funding earning assets | 0.6978% | 1,835 |
| Net interest margin | 4.0787% | 1,708 |
| Noninterest income to average assets | 0.3800% | 4,597 |
| Noninterest expense to average assets | 4.0546% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.2489% | 6,390 |
| Return on assets (ROA) | -0.2542% | 6,409 |
| Pretax return on assets | -0.2542% | 6,391 |
| Return on Equity (ROE) | -3.0359% | 6,430 |
| Retained earnings to average equity (ytd only) | -3.0359% | 6,266 |
| Net charge-offs to loans | 0.1545% | 3,260 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -2.4474% | 5,338 |
| Efficiency ratio | 106.5401% | 329 |
| Assets per employee ($millions) | 4.3467% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3974% | 936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.4346% | 403 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 72.4335% | 1,609 |
| Net loans and leases to deposits | 92.3358% | 1,018 |
| Net loans and leases to core deposits | 95.5715% | 1,482 |
| Total domestic deposits to total assets | 78.4458% | 5,751 |
| Equity capital to assets | 9.4964% | 4,430 |
| Core capital (leverage) ratio | 10.2241% | 3,260 |
| Tier 1 risk-based capital ratio | 12.1663% | 5,516 |
| Total risk-based capital ratio | 13.4280% | 5,440 |
| Memoranda: | ||
| Average total assets | $37,365,400 | 6,352 |
| Average earning assets | $31,382,200 | 6,411 |
| Average equity | $3,129,200 | 6,513 |
| Average total loans | $24,599,000 | 6,003 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 1,554 |
| Cost of funding earning assets | 0.7413% | 1,659 |
| Net interest margin | 3.9734% | 2,029 |
| Noninterest income to average assets | 0.4225% | 4,351 |
| Noninterest expense to average assets | 4.0078% | 850 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.2563% | 6,495 |
| Return on assets (ROA) | -0.2636% | 6,517 |
| Pretax return on assets | -0.2636% | 6,498 |
| Return on Equity (ROE) | -3.2631% | 6,535 |
| Retained earnings to average equity (ytd only) | -3.2631% | 6,379 |
| Net charge-offs to loans | 0.2157% | 2,534 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.8682% | 5,074 |
| Efficiency ratio | 106.8335% | 317 |
| Assets per employee ($millions) | 4.4270% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8732% | 628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.3485% | 504 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 58.9664% | 3,858 |
| Net loans and leases to deposits | 65.2448% | 4,378 |
| Net loans and leases to core deposits | 67.1833% | 4,603 |
| Total domestic deposits to total assets | 90.3772% | 801 |
| Equity capital to assets | 9.4019% | 4,672 |
| Core capital (leverage) ratio | 9.7514% | 4,029 |
| Tier 1 risk-based capital ratio | 13.9525% | 4,469 |
| Total risk-based capital ratio | 15.2205% | 4,399 |
| Memoranda: | ||
| Average total assets | $36,926,750 | 6,434 |
| Average earning assets | $30,938,000 | 6,493 |
| Average equity | $2,982,750 | 6,611 |
| Average total loans | $23,490,750 | 6,116 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 953 |
| Cost of funding earning assets | 0.8042% | 1,389 |
| Net interest margin | 4.1683% | 1,358 |
| Noninterest income to average assets | 0.4394% | 4,253 |
| Noninterest expense to average assets | 4.0050% | 859 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1057% | 6,409 |
| Return on assets (ROA) | -0.1168% | 6,463 |
| Pretax return on assets | -0.1168% | 6,438 |
| Return on Equity (ROE) | -1.5394% | 6,496 |
| Retained earnings to average equity (ytd only) | -1.5394% | 6,132 |
| Net charge-offs to loans | 0.3268% | 1,882 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 4,662 |
| Efficiency ratio | 102.7104% | 409 |
| Assets per employee ($millions) | 4.1384% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9586% | 609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.3738% | 404 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 61.2039% | 3,445 |
| Net loans and leases to deposits | 68.1393% | 3,991 |
| Net loans and leases to core deposits | 70.3233% | 4,236 |
| Total domestic deposits to total assets | 89.8217% | 1,141 |
| Equity capital to assets | 10.0843% | 3,815 |
| Core capital (leverage) ratio | 10.2123% | 3,210 |
| Tier 1 risk-based capital ratio | 14.3485% | 4,194 |
| Total risk-based capital ratio | 15.6147% | 4,139 |
| Memoranda: | ||
| Average total assets | $35,954,670 | 6,510 |
| Average earning assets | $29,844,000 | 6,566 |
| Average equity | $2,728,330 | 6,709 |
| Average total loans | $23,258,000 | 6,164 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2553% | 548 |
| Cost of funding earning assets | 0.8690% | 1,153 |
| Net interest margin | 4.3863% | 823 |
| Noninterest income to average assets | 0.6457% | 2,900 |
| Noninterest expense to average assets | 4.0783% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1699% | 5,982 |
| Return on assets (ROA) | 0.1699% | 6,083 |
| Pretax return on assets | 0.1699% | 6,134 |
| Return on Equity (ROE) | 2.7094% | 5,704 |
| Retained earnings to average equity (ytd only) | 2.7094% | 4,661 |
| Net charge-offs to loans | 0.6568% | 933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.3947% | 3,681 |
| Efficiency ratio | 96.0000% | 733 |
| Assets per employee ($millions) | 4.3955% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9922% | 663 |
| Loan loss allowance to noncurrent loans | 321.7593% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 6.8650% | 417 |
| Noncurrent loans to loans | 0.9300% | 4,274 |
| Net loans and leases to total assets | 64.0769% | 2,691 |
| Net loans and leases to deposits | 68.6679% | 3,683 |
| Net loans and leases to core deposits | 70.9133% | 3,962 |
| Total domestic deposits to total assets | 93.3142% | 102 |
| Equity capital to assets | 6.3190% | 6,806 |
| Core capital (leverage) ratio | 6.1131% | 6,789 |
| Tier 1 risk-based capital ratio | 8.5911% | 6,834 |
| Total risk-based capital ratio | 9.8593% | 6,838 |
| Memoranda: | ||
| Average total assets | $35,309,000 | 6,588 |
| Average earning assets | $28,999,500 | 6,648 |
| Average equity | $2,214,500 | 6,855 |
| Average total loans | $23,141,500 | 6,211 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 2,286 |
| Cost of funding earning assets | 1.0003% | 1,360 |
| Net interest margin | 3.7769% | 3,332 |
| Noninterest income to average assets | 0.2970% | 5,342 |
| Noninterest expense to average assets | 4.8874% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -1.4946% | 6,853 |
| Return on assets (ROA) | -1.4946% | 6,864 |
| Pretax return on assets | -1.4946% | 6,844 |
| Return on Equity (ROE) | -26.2949% | 6,934 |
| Retained earnings to average equity (ytd only) | -26.2949% | 6,908 |
| Net charge-offs to loans | 1.1429% | 908 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -2.0487% | 5,834 |
| Efficiency ratio | 144.0533% | 105 |
| Assets per employee ($millions) | 4.4318% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1792% | 565 |
| Loan loss allowance to noncurrent loans | 209.4286% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 7.8327% | 365 |
| Noncurrent loans to loans | 1.5180% | 3,330 |
| Net loans and leases to total assets | 62.9633% | 3,062 |
| Net loans and leases to deposits | 67.3455% | 4,073 |
| Net loans and leases to core deposits | 68.9535% | 4,440 |
| Total domestic deposits to total assets | 93.4930% | 93 |
| Equity capital to assets | 6.2250% | 6,873 |
| Core capital (leverage) ratio | 6.5540% | 6,783 |
| Tier 1 risk-based capital ratio | 8.4298% | 6,893 |
| Total risk-based capital ratio | 9.6832% | 6,896 |
| Memoranda: | ||
| Average total assets | $30,977,600 | 6,735 |
| Average earning assets | $25,391,200 | 6,773 |
| Average equity | $1,760,800 | 6,990 |
| Average total loans | $19,773,400 | 6,438 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6857% | 2,857 |
| Cost of funding earning assets | 1.0334% | 1,376 |
| Net interest margin | 3.6522% | 4,000 |
| Noninterest income to average assets | 0.3126% | 5,284 |
| Noninterest expense to average assets | 4.9700% | 370 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -1.6433% | 6,993 |
| Return on assets (ROA) | -1.6433% | 7,000 |
| Pretax return on assets | -1.6433% | 6,977 |
| Return on Equity (ROE) | -29.7499% | 7,062 |
| Retained earnings to average equity (ytd only) | -29.7499% | 7,054 |
| Net charge-offs to loans | 1.0974% | 928 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -2.3590% | 5,662 |
| Efficiency ratio | 149.3960% | 91 |
| Assets per employee ($millions) | 4.0971% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7450% | 379 |
| Loan loss allowance to noncurrent loans | 110.0000% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 9.9674% | 245 |
| Noncurrent loans to loans | 3.4045% | 1,607 |
| Net loans and leases to total assets | 62.9679% | 3,209 |
| Net loans and leases to deposits | 68.0616% | 4,172 |
| Net loans and leases to core deposits | 69.8420% | 4,514 |
| Total domestic deposits to total assets | 92.5161% | 150 |
| Equity capital to assets | 7.0446% | 6,872 |
| Core capital (leverage) ratio | 6.9565% | 6,805 |
| Tier 1 risk-based capital ratio | 9.3442% | 6,914 |
| Total risk-based capital ratio | 10.6193% | 6,905 |
| Memoranda: | ||
| Average total assets | $29,858,500 | 6,844 |
| Average earning assets | $24,642,000 | 6,884 |
| Average equity | $1,649,250 | 7,101 |
| Average total loans | $18,952,750 | 6,553 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 3,428 |
| Cost of funding earning assets | 1.0844% | 1,293 |
| Net interest margin | 3.5016% | 4,660 |
| Noninterest income to average assets | 0.2493% | 5,796 |
| Noninterest expense to average assets | 5.2483% | 321 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -2.0702% | 7,077 |
| Return on assets (ROA) | -2.0702% | 7,087 |
| Pretax return on assets | -2.0702% | 7,077 |
| Return on Equity (ROE) | -41.8378% | 7,150 |
| Retained earnings to average equity (ytd only) | -41.8378% | 7,144 |
| Net charge-offs to loans | 1.6222% | 576 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -2.0340% | 5,382 |
| Efficiency ratio | 165.1416% | 74 |
| Assets per employee ($millions) | 4.0816% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3353% | 263 |
| Loan loss allowance to noncurrent loans | 112.6214% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 9.2641% | 315 |
| Noncurrent loans to loans | 3.8494% | 1,451 |
| Net loans and leases to total assets | 54.8740% | 4,650 |
| Net loans and leases to deposits | 58.2491% | 5,421 |
| Net loans and leases to core deposits | 59.9445% | 5,594 |
| Total domestic deposits to total assets | 94.2057% | 72 |
| Equity capital to assets | 5.3778% | 7,076 |
| Core capital (leverage) ratio | 5.8958% | 6,999 |
| Tier 1 risk-based capital ratio | 8.9788% | 6,986 |
| Total risk-based capital ratio | 10.2636% | 6,982 |
| Memoranda: | ||
| Average total assets | $28,885,670 | 6,917 |
| Average earning assets | $24,160,330 | 6,951 |
| Average equity | $1,429,330 | 7,183 |
| Average total loans | $18,123,000 | 6,643 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6986% | 3,062 |
| Cost of funding earning assets | 1.2149% | 922 |
| Net interest margin | 3.4838% | 4,778 |
| Noninterest income to average assets | 0.2815% | 5,614 |
| Noninterest expense to average assets | 5.6144% | 247 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -2.4443% | 7,186 |
| Return on assets (ROA) | -2.4443% | 7,189 |
| Pretax return on assets | -2.4443% | 7,171 |
| Return on Equity (ROE) | -52.1327% | 7,231 |
| Retained earnings to average equity (ytd only) | -52.1327% | 7,221 |
| Net charge-offs to loans | 3.3222% | 203 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.1149% | 4,563 |
| Efficiency ratio | 177.1028% | 60 |
| Assets per employee ($millions) | 3.4308% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4153% | 263 |
| Loan loss allowance to noncurrent loans | 111.8621% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 11.8997% | 211 |
| Noncurrent loans to loans | 3.9471% | 1,561 |
| Net loans and leases to total assets | 63.9692% | 2,854 |
| Net loans and leases to deposits | 69.1275% | 3,854 |
| Net loans and leases to core deposits | 71.5794% | 4,215 |
| Total domestic deposits to total assets | 92.5381% | 182 |
| Equity capital to assets | 6.8680% | 6,958 |
| Core capital (leverage) ratio | 6.9559% | 6,854 |
| Tier 1 risk-based capital ratio | 9.6849% | 6,939 |
| Total risk-based capital ratio | 10.9731% | 6,931 |
| Memoranda: | ||
| Average total assets | $27,002,000 | 7,025 |
| Average earning assets | $22,389,500 | 7,062 |
| Average equity | $1,266,000 | 7,255 |
| Average total loans | $17,819,500 | 6,717 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0556% | 2,630 |
| Cost of funding earning assets | 1.4934% | 741 |
| Net interest margin | 3.5621% | 4,886 |
| Noninterest income to average assets | -0.1236% | 7,117 |
| Noninterest expense to average assets | 5.2485% | 314 |
| Loan and lease loss provision to assets | 0.3254% | 3,086 |
| Net operating income to assets | -2.7560% | 7,148 |
| Return on assets (ROA) | -2.5836% | 7,132 |
| Pretax return on assets | -2.5836% | 7,134 |
| Return on Equity (ROE) | -78.2420% | 7,285 |
| Retained earnings to average equity (ytd only) | -78.2420% | 7,285 |
| Net charge-offs to loans | 0.3289% | 3,746 |
| Credit loss provision to net charge-offs | 153.8462% | 1,826 |
| Earnings coverage of net charge-offs (x) | -11.4923% | 6,401 |
| Efficiency ratio | 186.2587% | 71 |
| Assets per employee ($millions) | 3.3198% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5527% | 125 |
| Loan loss allowance to noncurrent loans | 195.7143% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 11.6349% | 235 |
| Noncurrent loans to loans | 2.8371% | 2,309 |
| Net loans and leases to total assets | 61.4203% | 3,706 |
| Net loans and leases to deposits | 63.2444% | 5,095 |
| Net loans and leases to core deposits | 64.8924% | 5,373 |
| Total domestic deposits to total assets | 97.1157% | 21 |
| Equity capital to assets | 2.4362% | 7,300 |
| Core capital (leverage) ratio | 2.4692% | 7,292 |
| Tier 1 risk-based capital ratio | 3.5397% | 7,296 |
| Total risk-based capital ratio | 4.8461% | 7,297 |
| Memoranda: | ||
| Average total assets | $30,732,800 | 6,947 |
| Average earning assets | $25,378,000 | 7,002 |
| Average equity | $1,014,800 | 7,331 |
| Average total loans | $19,763,800 | 6,669 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0267% | 2,958 |
| Cost of funding earning assets | 1.5471% | 724 |
| Net interest margin | 3.4796% | 5,272 |
| Noninterest income to average assets | 0.2392% | 5,912 |
| Noninterest expense to average assets | 5.6896% | 236 |
| Loan and lease loss provision to assets | 0.4196% | 2,370 |
| Net operating income to assets | -2.9916% | 7,267 |
| Return on assets (ROA) | -2.7693% | 7,258 |
| Pretax return on assets | -2.7693% | 7,251 |
| Return on Equity (ROE) | -79.5103% | 7,359 |
| Retained earnings to average equity (ytd only) | -79.5103% | 7,358 |
| Net charge-offs to loans | 1.2360% | 1,253 |
| Credit loss provision to net charge-offs | 52.9101% | 4,975 |
| Earnings coverage of net charge-offs (x) | -3.2434% | 6,069 |
| Efficiency ratio | 182.5034% | 67 |
| Assets per employee ($millions) | 2.9861% | 6,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7652% | 219 |
| Loan loss allowance to noncurrent loans | 163.0859% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 11.0958% | 284 |
| Noncurrent loans to loans | 2.9219% | 2,382 |
| Net loans and leases to total assets | 62.0949% | 3,699 |
| Net loans and leases to deposits | 64.2662% | 5,131 |
| Net loans and leases to core deposits | 66.9072% | 5,321 |
| Total domestic deposits to total assets | 96.6214% | 26 |
| Equity capital to assets | 2.9172% | 7,368 |
| Core capital (leverage) ratio | 2.6301% | 7,367 |
| Tier 1 risk-based capital ratio | 4.1287% | 7,361 |
| Total risk-based capital ratio | 5.4189% | 7,363 |
| Memoranda: | ||
| Average total assets | $31,776,500 | 6,990 |
| Average earning assets | $26,285,500 | 7,051 |
| Average equity | $1,106,750 | 7,401 |
| Average total loans | $20,387,000 | 6,700 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9621% | 3,343 |
| Cost of funding earning assets | 1.5357% | 877 |
| Net interest margin | 3.4264% | 5,457 |
| Noninterest income to average assets | 5.2379% | 129 |
| Noninterest expense to average assets | 10.6554% | 69 |
| Loan and lease loss provision to assets | 0.5986% | 1,615 |
| Net operating income to assets | -3.1846% | 7,324 |
| Return on assets (ROA) | -3.1846% | 7,330 |
| Pretax return on assets | -3.1846% | 7,325 |
| Return on Equity (ROE) | -87.6203% | 7,426 |
| Retained earnings to average equity (ytd only) | -87.6203% | 7,424 |
| Net charge-offs to loans | 1.8180% | 762 |
| Credit loss provision to net charge-offs | 51.5464% | 4,543 |
| Earnings coverage of net charge-offs (x) | -2.2268% | 5,723 |
| Efficiency ratio | 132.0475% | 240 |
| Assets per employee ($millions) | 3.5002% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3519% | 319 |
| Loan loss allowance to noncurrent loans | 156.8998% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 9.5200% | 430 |
| Noncurrent loans to loans | 2.7737% | 2,627 |
| Net loans and leases to total assets | 57.9074% | 4,647 |
| Net loans and leases to deposits | 59.9356% | 5,729 |
| Net loans and leases to core deposits | 72.7005% | 4,738 |
| Total domestic deposits to total assets | 96.6161% | 23 |
| Equity capital to assets | 2.9998% | 7,431 |
| Core capital (leverage) ratio | 2.8876% | 7,427 |
| Tier 1 risk-based capital ratio | 3.9686% | 7,432 |
| Total risk-based capital ratio | 5.2481% | 7,433 |
| Memoranda: | ||
| Average total assets | $33,410,330 | 7,000 |
| Average earning assets | $27,609,330 | 7,070 |
| Average equity | $1,214,330 | 7,463 |
| Average total loans | $21,341,670 | 6,730 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1349% | 2,500 |
| Cost of funding earning assets | 1.5877% | 854 |
| Net interest margin | 3.5472% | 4,821 |
| Noninterest income to average assets | 0.1979% | 6,307 |
| Noninterest expense to average assets | 4.4697% | 610 |
| Loan and lease loss provision to assets | 1.1640% | 609 |
| Net operating income to assets | -2.5491% | 7,348 |
| Return on assets (ROA) | -2.5142% | 7,344 |
| Pretax return on assets | -2.5142% | 7,329 |
| Return on Equity (ROE) | -64.0474% | 7,451 |
| Retained earnings to average equity (ytd only) | -64.0474% | 7,442 |
| Net charge-offs to loans | 1.1390% | 1,218 |
| Credit loss provision to net charge-offs | 156.2500% | 1,836 |
| Earnings coverage of net charge-offs (x) | -1.8594% | 4,951 |
| Efficiency ratio | 144.9057% | 190 |
| Assets per employee ($millions) | 4.2241% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2863% | 353 |
| Loan loss allowance to noncurrent loans | 142.6449% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 12.3310% | 248 |
| Noncurrent loans to loans | 3.0049% | 2,506 |
| Net loans and leases to total assets | 63.4362% | 3,555 |
| Net loans and leases to deposits | 66.2310% | 4,941 |
| Net loans and leases to core deposits | 80.8242% | 3,628 |
| Total domestic deposits to total assets | 95.7802% | 39 |
| Equity capital to assets | 3.6576% | 7,459 |
| Core capital (leverage) ratio | 3.6068% | 7,455 |
| Tier 1 risk-based capital ratio | 4.4197% | 7,478 |
| Total risk-based capital ratio | 5.6962% | 7,478 |
| Memoranda: | ||
| Average total assets | $34,364,500 | 7,031 |
| Average earning assets | $27,965,500 | 7,103 |
| Average equity | $1,349,000 | 7,506 |
| Average total loans | $22,476,500 | 6,713 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5498% | 6,252 |
| Cost of funding earning assets | 1.7747% | 1,277 |
| Net interest margin | 2.7751% | 7,057 |
| Noninterest income to average assets | 0.3945% | 4,946 |
| Noninterest expense to average assets | 4.9881% | 416 |
| Loan and lease loss provision to assets | 2.4283% | 471 |
| Net operating income to assets | -4.6312% | 7,504 |
| Return on assets (ROA) | -4.4973% | 7,498 |
| Pretax return on assets | -4.4973% | 7,496 |
| Return on Equity (ROE) | -70.7321% | 7,522 |
| Retained earnings to average equity (ytd only) | -70.7321% | 7,521 |
| Net charge-offs to loans | 3.7653% | 357 |
| Credit loss provision to net charge-offs | 101.8719% | 4,448 |
| Earnings coverage of net charge-offs (x) | -0.9241% | 6,585 |
| Efficiency ratio | 179.0894% | 122 |
| Assets per employee ($millions) | 3.8818% | 4,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0965% | 367 |
| Loan loss allowance to noncurrent loans | 127.9778% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 12.6975% | 246 |
| Noncurrent loans to loans | 3.2009% | 2,375 |
| Net loans and leases to total assets | 61.9189% | 4,302 |
| Net loans and leases to deposits | 64.9961% | 5,515 |
| Net loans and leases to core deposits | 88.6994% | 2,947 |
| Total domestic deposits to total assets | 95.2656% | 55 |
| Equity capital to assets | 4.1848% | 7,498 |
| Core capital (leverage) ratio | 3.9230% | 7,507 |
| Tier 1 risk-based capital ratio | 5.3532% | 7,508 |
| Total risk-based capital ratio | 6.6452% | 7,511 |
| Memoranda: | ||
| Average total assets | $42,581,000 | 6,780 |
| Average earning assets | $36,683,000 | 6,854 |
| Average equity | $2,707,400 | 7,352 |
| Average total loans | $26,956,400 | 6,555 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4487% | 6,729 |
| Cost of funding earning assets | 1.8422% | 1,249 |
| Net interest margin | 2.6066% | 7,311 |
| Noninterest income to average assets | 0.4585% | 4,498 |
| Noninterest expense to average assets | 4.6209% | 524 |
| Loan and lease loss provision to assets | 1.0489% | 1,410 |
| Net operating income to assets | -2.9428% | 7,440 |
| Return on assets (ROA) | -2.7719% | 7,420 |
| Pretax return on assets | -2.7719% | 7,375 |
| Return on Equity (ROE) | -40.8547% | 7,504 |
| Retained earnings to average equity (ytd only) | -40.8547% | 7,501 |
| Net charge-offs to loans | 2.0054% | 941 |
| Credit loss provision to net charge-offs | 82.9384% | 5,040 |
| Earnings coverage of net charge-offs (x) | -1.4976% | 6,507 |
| Efficiency ratio | 169.4505% | 136 |
| Assets per employee ($millions) | 4.3111% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2719% | 657 |
| Loan loss allowance to noncurrent loans | 66.7734% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 10.5593% | 361 |
| Noncurrent loans to loans | 4.9000% | 1,434 |
| Net loans and leases to total assets | 63.5464% | 4,211 |
| Net loans and leases to deposits | 68.1557% | 5,396 |
| Net loans and leases to core deposits | 92.9293% | 2,670 |
| Total domestic deposits to total assets | 93.2371% | 92 |
| Equity capital to assets | 6.3789% | 7,440 |
| Core capital (leverage) ratio | 5.7928% | 7,460 |
| Tier 1 risk-based capital ratio | 8.5282% | 7,431 |
| Total risk-based capital ratio | 9.7290% | 7,445 |
| Memoranda: | ||
| Average total assets | $44,492,250 | 6,796 |
| Average earning assets | $38,721,500 | 6,846 |
| Average equity | $3,018,750 | 7,366 |
| Average total loans | $28,056,500 | 6,588 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 6,742 |
| Cost of funding earning assets | 1.9450% | 1,062 |
| Net interest margin | 2.5404% | 7,395 |
| Noninterest income to average assets | 0.6165% | 3,213 |
| Noninterest expense to average assets | 4.4881% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -1.6642% | 7,207 |
| Return on assets (ROA) | -1.6642% | 7,217 |
| Pretax return on assets | -1.6642% | 7,133 |
| Return on Equity (ROE) | -24.1250% | 7,359 |
| Retained earnings to average equity (ytd only) | -24.1250% | 7,345 |
| Net charge-offs to loans | 2.5872% | 650 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -1.0321% | 6,124 |
| Efficiency ratio | 158.9313% | 180 |
| Assets per employee ($millions) | 4.7763% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9165% | 2,378 |
| Loan loss allowance to noncurrent loans | 42.8226% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 9.5099% | 446 |
| Noncurrent loans to loans | 4.4754% | 1,628 |
| Net loans and leases to total assets | 63.2191% | 4,414 |
| Net loans and leases to deposits | 68.4517% | 5,498 |
| Net loans and leases to core deposits | 94.8816% | 2,599 |
| Total domestic deposits to total assets | 92.3558% | 170 |
| Equity capital to assets | 7.0766% | 7,319 |
| Core capital (leverage) ratio | 6.4676% | 7,389 |
| Tier 1 risk-based capital ratio | 9.2762% | 7,345 |
| Total risk-based capital ratio | 10.5324% | 7,342 |
| Memoranda: | ||
| Average total assets | $46,389,670 | 6,780 |
| Average earning assets | $40,309,000 | 6,833 |
| Average equity | $3,200,000 | 7,357 |
| Average total loans | $28,912,000 | 6,586 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 7,476 |
| Cost of funding earning assets | 2.0646% | 904 |
| Net interest margin | 1.9110% | 7,750 |
| Noninterest income to average assets | 0.2246% | 6,356 |
| Noninterest expense to average assets | 3.9425% | 1,112 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.0628% | 7,474 |
| Return on assets (ROA) | -2.0628% | 7,481 |
| Pretax return on assets | -2.0628% | 7,428 |
| Return on Equity (ROE) | -30.2531% | 7,574 |
| Retained earnings to average equity (ytd only) | -30.2531% | 7,546 |
| Net charge-offs to loans | 3.9574% | 335 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.8493% | 5,359 |
| Efficiency ratio | 209.7345% | 89 |
| Assets per employee ($millions) | 4.6425% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1537% | 1,843 |
| Loan loss allowance to noncurrent loans | 26.0943% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 10.5781% | 358 |
| Noncurrent loans to loans | 8.2535% | 640 |
| Net loans and leases to total assets | 54.6232% | 5,938 |
| Net loans and leases to deposits | 69.8773% | 5,360 |
| Net loans and leases to core deposits | 101.9033% | 1,920 |
| Total domestic deposits to total assets | 78.1703% | 6,281 |
| Equity capital to assets | 6.1839% | 7,596 |
| Core capital (leverage) ratio | 6.5440% | 7,449 |
| Tier 1 risk-based capital ratio | 9.1935% | 7,431 |
| Total risk-based capital ratio | 10.4516% | 7,431 |
| Memoranda: | ||
| Average total assets | $48,091,000 | 6,801 |
| Average earning assets | $41,654,500 | 6,870 |
| Average equity | $3,279,000 | 7,407 |
| Average total loans | $29,514,500 | 6,630 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 5,394 |
| Cost of funding earning assets | 2.5702% | 850 |
| Net interest margin | 2.6832% | 7,233 |
| Noninterest income to average assets | 0.3180% | 5,810 |
| Noninterest expense to average assets | 3.4716% | 2,449 |
| Loan and lease loss provision to assets | 0.6671% | 3,146 |
| Net operating income to assets | -1.4188% | 6,821 |
| Return on assets (ROA) | -1.4188% | 6,822 |
| Pretax return on assets | -1.4188% | 6,652 |
| Return on Equity (ROE) | -17.0666% | 7,034 |
| Retained earnings to average equity (ytd only) | -17.0666% | 6,988 |
| Net charge-offs to loans | 2.1536% | 1,119 |
| Credit loss provision to net charge-offs | 42.7249% | 6,809 |
| Earnings coverage of net charge-offs (x) | -0.4815% | 6,677 |
| Efficiency ratio | 127.6386% | 498 |
| Assets per employee ($millions) | 4.5114% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9685% | 792 |
| Loan loss allowance to noncurrent loans | 118.8976% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 8.6514% | 474 |
| Noncurrent loans to loans | 2.4967% | 3,042 |
| Net loans and leases to total assets | 65.6426% | 4,248 |
| Net loans and leases to deposits | 87.8076% | 2,591 |
| Net loans and leases to core deposits | 162.8306% | 310 |
| Total domestic deposits to total assets | 74.7573% | 6,904 |
| Equity capital to assets | 7.5365% | 7,001 |
| Core capital (leverage) ratio | 7.1291% | 7,131 |
| Tier 1 risk-based capital ratio | 9.2710% | 7,349 |
| Total risk-based capital ratio | 10.5371% | 7,336 |
| Memoranda: | ||
| Average total assets | $48,422,000 | 6,772 |
| Average earning assets | $43,343,200 | 6,795 |
| Average equity | $4,025,400 | 7,283 |
| Average total loans | $35,103,400 | 6,352 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2360% | 5,736 |
| Cost of funding earning assets | 2.6285% | 962 |
| Net interest margin | 2.6075% | 7,348 |
| Noninterest income to average assets | 0.3222% | 5,902 |
| Noninterest expense to average assets | 3.2352% | 3,173 |
| Loan and lease loss provision to assets | -0.6958% | 8,095 |
| Net operating income to assets | 0.1435% | 5,340 |
| Return on assets (ROA) | 0.1435% | 5,407 |
| Pretax return on assets | 0.1435% | 5,432 |
| Return on Equity (ROE) | 1.6897% | 5,267 |
| Retained earnings to average equity (ytd only) | 1.6897% | 4,364 |
| Net charge-offs to loans | 1.0556% | 1,879 |
| Credit loss provision to net charge-offs | -89.5470% | 7,201 |
| Earnings coverage of net charge-offs (x) | -0.7108% | 6,566 |
| Efficiency ratio | 120.5853% | 578 |
| Assets per employee ($millions) | 4.7600% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3606% | 1,221 |
| Loan loss allowance to noncurrent loans | 62.6972% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 9.2899% | 402 |
| Noncurrent loans to loans | 3.7651% | 1,976 |
| Net loans and leases to total assets | 69.0819% | 3,694 |
| Net loans and leases to deposits | 92.6908% | 2,118 |
| Net loans and leases to core deposits | 183.1820% | 171 |
| Total domestic deposits to total assets | 74.5294% | 6,860 |
| Equity capital to assets | 8.7290% | 5,912 |
| Core capital (leverage) ratio | 8.5926% | 5,312 |
| Tier 1 risk-based capital ratio | 10.1204% | 6,860 |
| Total risk-based capital ratio | 11.3790% | 6,802 |
| Memoranda: | ||
| Average total assets | $49,249,000 | 6,793 |
| Average earning assets | $44,587,750 | 6,793 |
| Average equity | $4,181,750 | 7,288 |
| Average total loans | $36,249,250 | 6,334 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2611% | 5,823 |
| Cost of funding earning assets | 2.6966% | 1,036 |
| Net interest margin | 2.5645% | 7,397 |
| Noninterest income to average assets | 0.3173% | 5,968 |
| Noninterest expense to average assets | 2.9559% | 4,272 |
| Loan and lease loss provision to assets | -1.0322% | 8,192 |
| Net operating income to assets | 0.7309% | 3,134 |
| Return on assets (ROA) | 0.7309% | 3,239 |
| Pretax return on assets | 0.7309% | 3,892 |
| Return on Equity (ROE) | 8.6860% | 2,477 |
| Retained earnings to average equity (ytd only) | 8.6860% | 1,013 |
| Net charge-offs to loans | 0.3180% | 3,596 |
| Credit loss provision to net charge-offs | -435.5932% | 7,045 |
| Earnings coverage of net charge-offs (x) | -1.2712% | 6,281 |
| Efficiency ratio | 111.3464% | 812 |
| Assets per employee ($millions) | 4.8741% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9027% | 614 |
| Loan loss allowance to noncurrent loans | 80.6782% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 9.4212% | 339 |
| Noncurrent loans to loans | 3.5979% | 1,942 |
| Net loans and leases to total assets | 70.2078% | 3,645 |
| Net loans and leases to deposits | 99.2085% | 1,368 |
| Net loans and leases to core deposits | 204.0062% | 110 |
| Total domestic deposits to total assets | 70.7679% | 7,398 |
| Equity capital to assets | 8.7647% | 5,652 |
| Core capital (leverage) ratio | 8.6915% | 5,103 |
| Tier 1 risk-based capital ratio | 10.1017% | 6,819 |
| Total risk-based capital ratio | 11.3671% | 6,733 |
| Memoranda: | ||
| Average total assets | $49,798,670 | 6,838 |
| Average earning assets | $45,389,670 | 6,820 |
| Average equity | $4,190,670 | 7,344 |
| Average total loans | $37,106,330 | 6,337 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2471% | 6,125 |
| Cost of funding earning assets | 2.7962% | 995 |
| Net interest margin | 2.4510% | 7,558 |
| Noninterest income to average assets | 0.2941% | 6,083 |
| Noninterest expense to average assets | 2.6228% | 5,355 |
| Loan and lease loss provision to assets | -0.6915% | 8,231 |
| Net operating income to assets | 0.6199% | 3,940 |
| Return on assets (ROA) | 0.6199% | 4,125 |
| Pretax return on assets | 0.6199% | 4,695 |
| Return on Equity (ROE) | 7.5181% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.5181% | 2,014 |
| Net charge-offs to loans | 0.6204% | 1,938 |
| Credit loss provision to net charge-offs | -147.4576% | 6,241 |
| Earnings coverage of net charge-offs (x) | -0.1525% | 5,110 |
| Efficiency ratio | 102.8037% | 1,023 |
| Assets per employee ($millions) | 5.5317% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3308% | 369 |
| Loan loss allowance to noncurrent loans | 155.7441% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 8.2153% | 347 |
| Noncurrent loans to loans | 2.1386% | 3,068 |
| Net loans and leases to total assets | 69.5471% | 3,791 |
| Net loans and leases to deposits | 98.5989% | 1,584 |
| Net loans and leases to core deposits | 182.6064% | 217 |
| Total domestic deposits to total assets | 70.5353% | 7,380 |
| Equity capital to assets | 8.3881% | 6,254 |
| Core capital (leverage) ratio | 8.0676% | 6,352 |
| Tier 1 risk-based capital ratio | 9.6639% | 7,280 |
| Total risk-based capital ratio | 10.9334% | 7,187 |
| Memoranda: | ||
| Average total assets | $50,327,500 | 6,852 |
| Average earning assets | $46,349,000 | 6,825 |
| Average equity | $4,150,000 | 7,397 |
| Average total loans | $38,038,000 | 6,331 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6974% | 2,035 |
| Cost of funding earning assets | 3.0186% | 1,807 |
| Net interest margin | 3.6788% | 4,558 |
| Noninterest income to average assets | 0.3614% | 5,825 |
| Noninterest expense to average assets | 4.2168% | 1,132 |
| Loan and lease loss provision to assets | 2.4781% | 426 |
| Net operating income to assets | -2.8845% | 7,799 |
| Return on assets (ROA) | -2.8845% | 7,766 |
| Pretax return on assets | -2.8845% | 7,679 |
| Return on Equity (ROE) | -26.3886% | 7,892 |
| Retained earnings to average equity (ytd only) | -26.3886% | 7,838 |
| Net charge-offs to loans | 0.0594% | 5,930 |
| Credit loss provision to net charge-offs | 4,995.2381% | 101 |
| Earnings coverage of net charge-offs (x) | -8.1905% | 6,879 |
| Efficiency ratio | 110.6634% | 696 |
| Assets per employee ($millions) | 5.6522% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3260% | 326 |
| Loan loss allowance to noncurrent loans | 175.2618% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 1.9167% | 2,559 |
| Noncurrent loans to loans | 1.8977% | 2,907 |
| Net loans and leases to total assets | 76.5087% | 2,495 |
| Net loans and leases to deposits | 106.1300% | 1,113 |
| Net loans and leases to core deposits | 186.6846% | 232 |
| Total domestic deposits to total assets | 72.0896% | 6,978 |
| Equity capital to assets | 8.1069% | 6,686 |
| Core capital (leverage) ratio | 8.5160% | 5,548 |
| Tier 1 risk-based capital ratio | 9.2163% | 7,596 |
| Total risk-based capital ratio | 10.4890% | 7,522 |
| Memoranda: | ||
| Average total assets | $42,330,400 | 7,114 |
| Average earning assets | $39,686,800 | 7,053 |
| Average equity | $4,627,000 | 7,293 |
| Average total loans | $35,341,400 | 6,402 |