Home > Rocky Mountain Bank & Trust > Performance and Condition Ratios
Rocky Mountain Bank & Trust, 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 | 5.3714% | 1,357 |
| Cost of funding earning assets | 1.3002% | 2,511 |
| Net interest margin | 4.0712% | 1,100 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.7245% | 1,678 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.3822% | 1,247 |
| Return on assets (ROA) | 1.3822% | 1,219 |
| Pretax return on assets | 1.3822% | 1,674 |
| Return on Equity (ROE) | 16.8200% | 975 |
| Retained earnings to average equity (ytd only) | 11.7711% | 659 |
| Net charge-offs to loans | 0.2647% | 405 |
| Credit loss provision to net charge-offs | 134.2282% | 1,563 |
| Earnings coverage of net charge-offs (x) | 12.5235% | 2,145 |
| Efficiency ratio | 63.7670% | 2,636 |
| Assets per employee ($millions) | 5.6944% | 3,078 |
| Cash dividends to net income (ytd only)* | 30.0120% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 1,265 |
| Loan loss allowance to noncurrent loans | 142.4460% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 1,418 |
| Noncurrent loans to loans | 1.0062% | 734 |
| Net loans and leases to total assets | 38.2600% | 4,091 |
| Net loans and leases to deposits | 53.9820% | 3,796 |
| Net loans and leases to core deposits | 61.3861% | 3,705 |
| Total domestic deposits to total assets | 70.8700% | 4,262 |
| Equity capital to assets | 7.4754% | 3,735 |
| Core capital (leverage) ratio | 10.1056% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $120,534,400 | 3,648 |
| Average earning assets | $112,597,000 | 3,622 |
| Average equity | $9,905,600 | 3,733 |
| Average total loans | $56,279,600 | 3,753 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4639% | 1,060 |
| Cost of funding earning assets | 1.1438% | 2,609 |
| Net interest margin | 4.3201% | 785 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.6938% | 1,680 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 1.6221% | 901 |
| Return on assets (ROA) | 1.6163% | 901 |
| Pretax return on assets | 1.6163% | 1,316 |
| Return on Equity (ROE) | 19.1300% | 806 |
| Retained earnings to average equity (ytd only) | 19.1324% | 293 |
| Net charge-offs to loans | 0.3537% | 244 |
| Credit loss provision to net charge-offs | 120.0000% | 1,484 |
| Earnings coverage of net charge-offs (x) | 10.5333% | 2,120 |
| Efficiency ratio | 59.5391% | 3,021 |
| Assets per employee ($millions) | 5.2330% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 1,352 |
| Loan loss allowance to noncurrent loans | 129.8482% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 1,175 |
| Noncurrent loans to loans | 1.0970% | 715 |
| Net loans and leases to total assets | 44.2700% | 3,904 |
| Net loans and leases to deposits | 59.7587% | 3,517 |
| Net loans and leases to core deposits | 64.1918% | 3,517 |
| Total domestic deposits to total assets | 74.0800% | 4,154 |
| Equity capital to assets | 8.3650% | 2,818 |
| Core capital (leverage) ratio | 10.7095% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $115,077,750 | 3,708 |
| Average earning assets | $107,123,750 | 3,684 |
| Average equity | $9,721,500 | 3,752 |
| Average total loans | $56,535,750 | 3,760 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4604% | 884 |
| Cost of funding earning assets | 0.9316% | 2,827 |
| Net interest margin | 4.5288% | 588 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.6704% | 1,718 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.8656% | 593 |
| Return on assets (ROA) | 1.8656% | 587 |
| Pretax return on assets | 1.8656% | 905 |
| Return on Equity (ROE) | 22.0100% | 539 |
| Retained earnings to average equity (ytd only) | 22.0071% | 185 |
| Net charge-offs to loans | 0.0593% | 952 |
| Credit loss provision to net charge-offs | 470.5882% | 674 |
| Earnings coverage of net charge-offs (x) | 66.8824% | 1,131 |
| Efficiency ratio | 57.0943% | 3,289 |
| Assets per employee ($millions) | 5.0935% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 1,504 |
| Loan loss allowance to noncurrent loans | 291.3043% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 2,058 |
| Noncurrent loans to loans | 0.4833% | 1,506 |
| Net loans and leases to total assets | 46.0600% | 3,794 |
| Net loans and leases to deposits | 61.5783% | 3,335 |
| Net loans and leases to core deposits | 66.0074% | 3,351 |
| Total domestic deposits to total assets | 74.7900% | 4,139 |
| Equity capital to assets | 8.2425% | 3,061 |
| Core capital (leverage) ratio | 10.6740% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $113,317,333 | 3,735 |
| Average earning assets | $105,414,000 | 3,719 |
| Average equity | $9,606,000 | 3,785 |
| Average total loans | $57,362,667 | 3,762 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3519% | 778 |
| Cost of funding earning assets | 0.4909% | 3,723 |
| Net interest margin | 4.8610% | 340 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.7707% | 1,505 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 2.0284% | 468 |
| Return on assets (ROA) | 2.0284% | 461 |
| Pretax return on assets | 2.0284% | 736 |
| Return on Equity (ROE) | 23.5600% | 475 |
| Retained earnings to average equity (ytd only) | 23.5621% | 220 |
| Net charge-offs to loans | -0.0070% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.6047% | 3,448 |
| Assets per employee ($millions) | 4.6603% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 1,787 |
| Loan loss allowance to noncurrent loans | 276.5734% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 1,809 |
| Noncurrent loans to loans | 0.4904% | 1,490 |
| Net loans and leases to total assets | 53.6700% | 3,226 |
| Net loans and leases to deposits | 62.0352% | 3,226 |
| Net loans and leases to core deposits | 66.1720% | 3,210 |
| Total domestic deposits to total assets | 86.5100% | 2,440 |
| Equity capital to assets | 9.2251% | 2,341 |
| Core capital (leverage) ratio | 11.2168% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $108,853,500 | 3,831 |
| Average earning assets | $101,049,000 | 3,813 |
| Average equity | $9,371,000 | 3,854 |
| Average total loans | $57,491,500 | 3,798 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1107% | 1,455 |
| Cost of funding earning assets | 0.1962% | 3,789 |
| Net interest margin | 3.9145% | 925 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.9544% | 1,037 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0211% | 2,492 |
| Return on assets (ROA) | 1.0211% | 2,436 |
| Pretax return on assets | 1.0211% | 3,015 |
| Return on Equity (ROE) | 12.4400% | 1,995 |
| Retained earnings to average equity (ytd only) | 12.4406% | 599 |
| Net charge-offs to loans | -0.0060% | 3,667 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.4316% | 1,275 |
| Assets per employee ($millions) | 5.0237% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 1,865 |
| Loan loss allowance to noncurrent loans | 254.2955% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 1,846 |
| Noncurrent loans to loans | 0.5135% | 1,421 |
| Net loans and leases to total assets | 50.6000% | 3,463 |
| Net loans and leases to deposits | 55.2752% | 3,611 |
| Net loans and leases to core deposits | 56.3728% | 3,705 |
| Total domestic deposits to total assets | 91.5500% | 772 |
| Equity capital to assets | 8.0111% | 3,054 |
| Core capital (leverage) ratio | 10.5388% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $104,589,400 | 3,890 |
| Average earning assets | $97,356,200 | 3,863 |
| Average equity | $8,584,800 | 4,038 |
| Average total loans | $50,037,200 | 3,887 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8193% | 1,689 |
| Cost of funding earning assets | 0.1374% | 3,963 |
| Net interest margin | 3.6819% | 1,183 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.9005% | 1,057 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8936% | 2,892 |
| Return on assets (ROA) | 0.8936% | 2,872 |
| Pretax return on assets | 0.8936% | 3,336 |
| Return on Equity (ROE) | 10.8200% | 2,458 |
| Retained earnings to average equity (ytd only) | 10.8167% | 1,101 |
| Net charge-offs to loans | -0.0110% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.9309% | 1,085 |
| Assets per employee ($millions) | 4.9736% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,148 |
| Loan loss allowance to noncurrent loans | 173.2360% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 1,507 |
| Noncurrent loans to loans | 0.7362% | 1,103 |
| Net loans and leases to total assets | 48.1800% | 3,612 |
| Net loans and leases to deposits | 52.1839% | 3,719 |
| Net loans and leases to core deposits | 53.0468% | 3,807 |
| Total domestic deposits to total assets | 92.3300% | 771 |
| Equity capital to assets | 7.2348% | 3,380 |
| Core capital (leverage) ratio | 10.5509% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $103,106,500 | 3,925 |
| Average earning assets | $96,035,000 | 3,904 |
| Average equity | $8,517,500 | 4,094 |
| Average total loans | $48,379,500 | 3,938 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6420% | 1,713 |
| Cost of funding earning assets | 0.1255% | 3,905 |
| Net interest margin | 3.5165% | 1,274 |
| Noninterest income to average assets | 0.4047% | 2,731 |
| Noninterest expense to average assets | 2.9815% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6946% | 3,324 |
| Return on assets (ROA) | 0.6946% | 3,280 |
| Pretax return on assets | 0.6946% | 3,591 |
| Return on Equity (ROE) | 8.0251% | 3,010 |
| Retained earnings to average equity (ytd only) | 8.0251% | 1,606 |
| Net charge-offs to loans | -0.0131% | 3,697 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1062% | 865 |
| Assets per employee ($millions) | 4.3183% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 1,652 |
| Loan loss allowance to noncurrent loans | 575.8333% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 2,896 |
| Noncurrent loans to loans | 0.2474% | 2,494 |
| Net loans and leases to total assets | 46.1298% | 3,704 |
| Net loans and leases to deposits | 51.0807% | 3,754 |
| Net loans and leases to core deposits | 51.4756% | 3,846 |
| Total domestic deposits to total assets | 90.3076% | 1,576 |
| Equity capital to assets | 8.7671% | 2,559 |
| Core capital (leverage) ratio | 10.7006% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,344,667 | 4,001 |
| Average earning assets | $92,422,333 | 3,988 |
| Average equity | $8,598,000 | 4,141 |
| Average total loans | $45,897,667 | 4,033 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4137% | 2,046 |
| Cost of funding earning assets | 0.1148% | 3,949 |
| Net interest margin | 3.2988% | 1,565 |
| Noninterest income to average assets | 0.3827% | 2,796 |
| Noninterest expense to average assets | 3.0124% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4445% | 3,860 |
| Return on assets (ROA) | 0.4445% | 3,825 |
| Pretax return on assets | 0.4445% | 3,960 |
| Return on Equity (ROE) | 5.1712% | 3,575 |
| Retained earnings to average equity (ytd only) | 5.1712% | 2,525 |
| Net charge-offs to loans | -0.0090% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1429% | 674 |
| Assets per employee ($millions) | 3.9819% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 1,438 |
| Loan loss allowance to noncurrent loans | 5,733.3333% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 3,944 |
| Noncurrent loans to loans | 0.0268% | 3,802 |
| Net loans and leases to total assets | 44.3294% | 3,716 |
| Net loans and leases to deposits | 48.3367% | 3,845 |
| Net loans and leases to core deposits | 48.7193% | 3,946 |
| Total domestic deposits to total assets | 91.7095% | 694 |
| Equity capital to assets | 7.7249% | 3,784 |
| Core capital (leverage) ratio | 8.8633% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,198,000 | 4,028 |
| Average earning assets | $90,577,500 | 4,018 |
| Average equity | $8,354,000 | 4,231 |
| Average total loans | $44,597,000 | 4,069 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1576% | 1,069 |
| Cost of funding earning assets | 0.1643% | 3,830 |
| Net interest margin | 3.9933% | 718 |
| Noninterest income to average assets | 0.5378% | 2,408 |
| Noninterest expense to average assets | 3.3915% | 558 |
| Loan and lease loss provision to assets | 0.0321% | 2,405 |
| Net operating income to assets | 0.8377% | 3,215 |
| Return on assets (ROA) | 0.8377% | 3,288 |
| Pretax return on assets | 0.8377% | 3,652 |
| Return on Equity (ROE) | 8.6365% | 3,034 |
| Retained earnings to average equity (ytd only) | 4.7711% | 2,883 |
| Net charge-offs to loans | -0.0084% | 3,685 |
| Credit loss provision to net charge-offs | -750.0000% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5877% | 830 |
| Assets per employee ($millions) | 3.9520% | 4,441 |
| Cash dividends to net income (ytd only)* | 44.7570% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 1,394 |
| Loan loss allowance to noncurrent loans | 2,642.3077% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 3,853 |
| Noncurrent loans to loans | 0.0586% | 3,657 |
| Net loans and leases to total assets | 46.0632% | 3,686 |
| Net loans and leases to deposits | 51.2673% | 3,782 |
| Net loans and leases to core deposits | 51.8563% | 3,902 |
| Total domestic deposits to total assets | 89.8490% | 1,031 |
| Equity capital to assets | 9.5078% | 3,141 |
| Core capital (leverage) ratio | 8.9960% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,351,000 | 4,067 |
| Average earning assets | $87,045,800 | 4,051 |
| Average equity | $9,054,600 | 4,238 |
| Average total loans | $47,375,600 | 4,050 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 875 |
| Cost of funding earning assets | 0.1724% | 3,901 |
| Net interest margin | 4.1814% | 566 |
| Noninterest income to average assets | 0.6023% | 2,207 |
| Noninterest expense to average assets | 3.4115% | 522 |
| Loan and lease loss provision to assets | 0.0430% | 2,134 |
| Net operating income to assets | 1.0425% | 2,757 |
| Return on assets (ROA) | 1.0425% | 2,825 |
| Pretax return on assets | 1.0425% | 3,341 |
| Return on Equity (ROE) | 10.6943% | 2,481 |
| Retained earnings to average equity (ytd only) | 5.5458% | 3,026 |
| Net charge-offs to loans | -0.0111% | 3,716 |
| Credit loss provision to net charge-offs | -750.0000% | 3,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8610% | 1,046 |
| Assets per employee ($millions) | 4.0587% | 4,414 |
| Cash dividends to net income (ytd only)* | 48.1431% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 1,569 |
| Loan loss allowance to noncurrent loans | 1,717.5000% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,884 |
| Noncurrent loans to loans | 0.0883% | 3,642 |
| Net loans and leases to total assets | 45.8114% | 3,809 |
| Net loans and leases to deposits | 50.7853% | 3,968 |
| Net loans and leases to core deposits | 51.2025% | 4,073 |
| Total domestic deposits to total assets | 90.2061% | 680 |
| Equity capital to assets | 9.2302% | 3,625 |
| Core capital (leverage) ratio | 8.6698% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,976,750 | 4,118 |
| Average earning assets | $86,604,500 | 4,105 |
| Average equity | $9,063,750 | 4,299 |
| Average total loans | $48,125,250 | 4,084 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5979% | 630 |
| Cost of funding earning assets | 0.1764% | 3,981 |
| Net interest margin | 4.4216% | 404 |
| Noninterest income to average assets | 0.6295% | 2,085 |
| Noninterest expense to average assets | 3.3180% | 603 |
| Loan and lease loss provision to assets | 0.0656% | 1,734 |
| Net operating income to assets | 1.3552% | 1,691 |
| Return on assets (ROA) | 1.3552% | 1,772 |
| Pretax return on assets | 1.3552% | 2,455 |
| Return on Equity (ROE) | 13.6444% | 1,521 |
| Retained earnings to average equity (ytd only) | 13.6444% | 608 |
| Net charge-offs to loans | -0.0122% | 3,752 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0185% | 1,634 |
| Assets per employee ($millions) | 3.8085% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 2,030 |
| Loan loss allowance to noncurrent loans | 1,106.4516% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 3,784 |
| Noncurrent loans to loans | 0.1255% | 3,559 |
| Net loans and leases to total assets | 51.1837% | 3,432 |
| Net loans and leases to deposits | 57.0718% | 3,629 |
| Net loans and leases to core deposits | 57.7234% | 3,776 |
| Total domestic deposits to total assets | 89.6830% | 931 |
| Equity capital to assets | 9.8223% | 3,035 |
| Core capital (leverage) ratio | 9.4046% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,499,667 | 4,158 |
| Average earning assets | $85,038,000 | 4,142 |
| Average equity | $9,088,000 | 4,318 |
| Average total loans | $49,063,333 | 4,101 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7874% | 493 |
| Cost of funding earning assets | 0.1823% | 4,062 |
| Net interest margin | 4.6051% | 311 |
| Noninterest income to average assets | 0.8701% | 1,409 |
| Noninterest expense to average assets | 3.1547% | 771 |
| Loan and lease loss provision to assets | 0.0669% | 1,812 |
| Net operating income to assets | 1.9321% | 629 |
| Return on assets (ROA) | 1.9321% | 675 |
| Pretax return on assets | 1.9321% | 1,063 |
| Return on Equity (ROE) | 19.3390% | 584 |
| Retained earnings to average equity (ytd only) | 19.3390% | 296 |
| Net charge-offs to loans | -0.0082% | 3,593 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2121% | 2,877 |
| Assets per employee ($millions) | 4.4572% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 2,238 |
| Loan loss allowance to noncurrent loans | 836.2500% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 3,769 |
| Noncurrent loans to loans | 0.1606% | 3,533 |
| Net loans and leases to total assets | 52.4935% | 3,396 |
| Net loans and leases to deposits | 58.2189% | 3,629 |
| Net loans and leases to core deposits | 58.7142% | 3,789 |
| Total domestic deposits to total assets | 90.1658% | 741 |
| Equity capital to assets | 9.5009% | 3,206 |
| Core capital (leverage) ratio | 9.5753% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,643,500 | 4,192 |
| Average earning assets | $83,385,500 | 4,172 |
| Average equity | $8,956,000 | 4,341 |
| Average total loans | $48,885,500 | 4,127 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 1,377 |
| Cost of funding earning assets | 0.3100% | 4,088 |
| Net interest margin | 4.1639% | 700 |
| Noninterest income to average assets | 0.5046% | 2,612 |
| Noninterest expense to average assets | 3.4146% | 777 |
| Loan and lease loss provision to assets | 0.1451% | 2,554 |
| Net operating income to assets | 0.7923% | 3,124 |
| Return on assets (ROA) | 0.7923% | 3,237 |
| Pretax return on assets | 0.7923% | 3,642 |
| Return on Equity (ROE) | 7.4663% | 3,013 |
| Retained earnings to average equity (ytd only) | 7.4663% | 1,207 |
| Net charge-offs to loans | 0.0200% | 2,667 |
| Credit loss provision to net charge-offs | 1,300.0000% | 643 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 872 |
| Efficiency ratio | 78.4615% | 1,001 |
| Assets per employee ($millions) | 4.0802% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 2,139 |
| Loan loss allowance to noncurrent loans | 733.7079% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 3,784 |
| Noncurrent loans to loans | 0.1855% | 3,548 |
| Net loans and leases to total assets | 55.2185% | 3,372 |
| Net loans and leases to deposits | 62.0845% | 3,599 |
| Net loans and leases to core deposits | 62.9217% | 3,772 |
| Total domestic deposits to total assets | 88.9409% | 1,014 |
| Equity capital to assets | 10.5258% | 2,649 |
| Core capital (leverage) ratio | 9.4176% | 3,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,653,800 | 4,233 |
| Average earning assets | $74,521,400 | 4,225 |
| Average equity | $8,558,400 | 4,365 |
| Average total loans | $45,026,600 | 4,203 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 1,131 |
| Cost of funding earning assets | 0.3348% | 4,127 |
| Net interest margin | 4.3356% | 549 |
| Noninterest income to average assets | 0.5088% | 2,577 |
| Noninterest expense to average assets | 3.4913% | 717 |
| Loan and lease loss provision to assets | 0.1927% | 2,052 |
| Net operating income to assets | 0.8262% | 2,993 |
| Return on assets (ROA) | 0.8262% | 3,121 |
| Pretax return on assets | 0.8262% | 3,576 |
| Return on Equity (ROE) | 7.7693% | 2,892 |
| Retained earnings to average equity (ytd only) | 7.7693% | 1,383 |
| Net charge-offs to loans | 0.0301% | 2,229 |
| Credit loss provision to net charge-offs | 1,150.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 60.7000% | 1,092 |
| Efficiency ratio | 77.4013% | 1,096 |
| Assets per employee ($millions) | 4.3647% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 1,739 |
| Loan loss allowance to noncurrent loans | 144.7661% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 2,153 |
| Noncurrent loans to loans | 0.9672% | 1,553 |
| Net loans and leases to total assets | 52.4372% | 3,934 |
| Net loans and leases to deposits | 60.9792% | 3,995 |
| Net loans and leases to core deposits | 61.8108% | 4,124 |
| Total domestic deposits to total assets | 85.9920% | 2,072 |
| Equity capital to assets | 10.1612% | 3,092 |
| Core capital (leverage) ratio | 9.3045% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,396,000 | 4,260 |
| Average earning assets | $73,282,250 | 4,251 |
| Average equity | $8,443,250 | 4,397 |
| Average total loans | $44,291,500 | 4,242 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0457% | 766 |
| Cost of funding earning assets | 0.3703% | 4,173 |
| Net interest margin | 4.6754% | 358 |
| Noninterest income to average assets | 0.5028% | 2,549 |
| Noninterest expense to average assets | 3.6319% | 621 |
| Loan and lease loss provision to assets | 0.2605% | 1,627 |
| Net operating income to assets | 0.9197% | 2,623 |
| Return on assets (ROA) | 0.9197% | 2,742 |
| Pretax return on assets | 0.9197% | 3,259 |
| Return on Equity (ROE) | 8.5050% | 2,556 |
| Retained earnings to average equity (ytd only) | 8.5050% | 1,157 |
| Net charge-offs to loans | 0.0551% | 1,709 |
| Credit loss provision to net charge-offs | 833.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 37.7500% | 1,290 |
| Efficiency ratio | 75.4737% | 1,311 |
| Assets per employee ($millions) | 3.6785% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 1,749 |
| Loan loss allowance to noncurrent loans | 540.1709% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 3,826 |
| Noncurrent loans to loans | 0.2508% | 3,480 |
| Net loans and leases to total assets | 54.3850% | 3,841 |
| Net loans and leases to deposits | 63.3291% | 3,933 |
| Net loans and leases to core deposits | 64.2182% | 4,066 |
| Total domestic deposits to total assets | 85.8769% | 2,074 |
| Equity capital to assets | 10.2333% | 2,978 |
| Core capital (leverage) ratio | 9.6363% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,763,667 | 4,298 |
| Average earning assets | $70,753,667 | 4,297 |
| Average equity | $8,301,000 | 4,431 |
| Average total loans | $43,580,667 | 4,276 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 957 |
| Cost of funding earning assets | 0.4365% | 4,212 |
| Net interest margin | 4.5683% | 436 |
| Noninterest income to average assets | 0.5601% | 2,232 |
| Noninterest expense to average assets | 3.6572% | 744 |
| Loan and lease loss provision to assets | 0.0549% | 3,077 |
| Net operating income to assets | 1.0433% | 2,026 |
| Return on assets (ROA) | 1.0433% | 2,124 |
| Pretax return on assets | 1.0433% | 2,691 |
| Return on Equity (ROE) | 9.3567% | 1,975 |
| Retained earnings to average equity (ytd only) | 9.3567% | 882 |
| Net charge-offs to loans | 0.1332% | 928 |
| Credit loss provision to net charge-offs | 71.4286% | 1,968 |
| Earnings coverage of net charge-offs (x) | 14.2857% | 1,604 |
| Efficiency ratio | 76.9053% | 1,462 |
| Assets per employee ($millions) | 3.4186% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 2,151 |
| Loan loss allowance to noncurrent loans | 439.8374% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 3,807 |
| Noncurrent loans to loans | 0.2957% | 3,443 |
| Net loans and leases to total assets | 57.1862% | 3,736 |
| Net loans and leases to deposits | 65.1134% | 3,919 |
| Net loans and leases to core deposits | 66.1660% | 4,074 |
| Total domestic deposits to total assets | 87.8256% | 1,173 |
| Equity capital to assets | 11.6688% | 2,315 |
| Core capital (leverage) ratio | 10.6054% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,842,500 | 4,362 |
| Average earning assets | $66,895,500 | 4,372 |
| Average equity | $8,122,500 | 4,473 |
| Average total loans | $42,048,500 | 4,329 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 1,296 |
| Cost of funding earning assets | 0.4467% | 4,280 |
| Net interest margin | 4.6209% | 547 |
| Noninterest income to average assets | 1.1735% | 684 |
| Noninterest expense to average assets | 3.9585% | 556 |
| Loan and lease loss provision to assets | -0.1053% | 5,084 |
| Net operating income to assets | 1.7687% | 561 |
| Return on assets (ROA) | 1.7687% | 598 |
| Pretax return on assets | 1.5455% | 1,671 |
| Return on Equity (ROE) | 17.7175% | 361 |
| Retained earnings to average equity (ytd only) | 17.7175% | 51 |
| Net charge-offs to loans | 0.0733% | 2,046 |
| Credit loss provision to net charge-offs | -241.9355% | 4,322 |
| Earnings coverage of net charge-offs (x) | 33.0968% | 1,478 |
| Efficiency ratio | 73.3229% | 1,683 |
| Assets per employee ($millions) | 3.5188% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,018 |
| Loan loss allowance to noncurrent loans | 409.7744% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 3,752 |
| Noncurrent loans to loans | 0.3129% | 3,319 |
| Net loans and leases to total assets | 56.7792% | 3,867 |
| Net loans and leases to deposits | 63.9735% | 4,076 |
| Net loans and leases to core deposits | 65.0022% | 4,233 |
| Total domestic deposits to total assets | 88.7543% | 765 |
| Equity capital to assets | 10.6475% | 3,313 |
| Core capital (leverage) ratio | 10.0027% | 3,516 |
| Tier 1 risk-based capital ratio | 16.1715% | 2,343 |
| Total risk-based capital ratio | 17.4293% | 2,288 |
| Memoranda: | ||
| Average total assets | $71,238,800 | 4,410 |
| Average earning assets | $65,139,400 | 4,418 |
| Average equity | $7,111,600 | 4,624 |
| Average total loans | $42,318,800 | 4,356 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0930% | 1,296 |
| Cost of funding earning assets | 0.4496% | 4,329 |
| Net interest margin | 4.6433% | 558 |
| Noninterest income to average assets | 1.3942% | 467 |
| Noninterest expense to average assets | 3.8936% | 596 |
| Loan and lease loss provision to assets | -0.1417% | 5,190 |
| Net operating income to assets | 1.8760% | 528 |
| Return on assets (ROA) | 1.8760% | 545 |
| Pretax return on assets | 1.8760% | 918 |
| Return on Equity (ROE) | 19.1256% | 306 |
| Retained earnings to average equity (ytd only) | 19.1256% | 58 |
| Net charge-offs to loans | 0.0883% | 1,584 |
| Credit loss provision to net charge-offs | -267.8571% | 4,215 |
| Earnings coverage of net charge-offs (x) | 32.7878% | 1,544 |
| Efficiency ratio | 69.1843% | 2,228 |
| Assets per employee ($millions) | 3.5009% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 1,969 |
| Loan loss allowance to noncurrent loans | 385.9155% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 3,791 |
| Noncurrent loans to loans | 0.3366% | 3,332 |
| Net loans and leases to total assets | 56.6425% | 4,003 |
| Net loans and leases to deposits | 63.9825% | 4,172 |
| Net loans and leases to core deposits | 65.0154% | 4,325 |
| Total domestic deposits to total assets | 88.5281% | 812 |
| Equity capital to assets | 10.6898% | 3,386 |
| Core capital (leverage) ratio | 9.6780% | 3,997 |
| Tier 1 risk-based capital ratio | 15.7778% | 2,526 |
| Total risk-based capital ratio | 17.0348% | 2,462 |
| Memoranda: | ||
| Average total assets | $70,574,750 | 4,476 |
| Average earning assets | $64,348,750 | 4,484 |
| Average equity | $6,922,500 | 4,708 |
| Average total loans | $42,273,000 | 4,411 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1626% | 1,068 |
| Cost of funding earning assets | 0.4532% | 4,310 |
| Net interest margin | 4.7094% | 485 |
| Noninterest income to average assets | 0.6322% | 2,013 |
| Noninterest expense to average assets | 3.7935% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1093% | 2,489 |
| Return on assets (ROA) | 1.1093% | 2,559 |
| Pretax return on assets | 1.1093% | 3,207 |
| Return on Equity (ROE) | 11.6787% | 1,702 |
| Retained earnings to average equity (ytd only) | 11.6787% | 447 |
| Net charge-offs to loans | 0.1135% | 1,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 16.0833% | 1,951 |
| Efficiency ratio | 77.3740% | 1,230 |
| Assets per employee ($millions) | 3.0492% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 1,317 |
| Loan loss allowance to noncurrent loans | 420.8054% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 3,727 |
| Noncurrent loans to loans | 0.3530% | 3,284 |
| Net loans and leases to total assets | 59.3005% | 3,802 |
| Net loans and leases to deposits | 66.2293% | 4,083 |
| Net loans and leases to core deposits | 67.3326% | 4,245 |
| Total domestic deposits to total assets | 89.5382% | 467 |
| Equity capital to assets | 10.1097% | 3,880 |
| Core capital (leverage) ratio | 9.1701% | 4,495 |
| Tier 1 risk-based capital ratio | 13.8487% | 3,396 |
| Total risk-based capital ratio | 15.1093% | 3,293 |
| Memoranda: | ||
| Average total assets | $69,593,330 | 4,527 |
| Average earning assets | $63,107,670 | 4,541 |
| Average equity | $6,610,330 | 4,769 |
| Average total loans | $42,300,330 | 4,438 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2539% | 822 |
| Cost of funding earning assets | 0.4394% | 4,334 |
| Net interest margin | 4.8145% | 394 |
| Noninterest income to average assets | 0.5943% | 2,074 |
| Noninterest expense to average assets | 3.8313% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1251% | 2,372 |
| Return on assets (ROA) | 1.1251% | 2,418 |
| Pretax return on assets | 1.1251% | 3,072 |
| Return on Equity (ROE) | 12.2439% | 1,454 |
| Retained earnings to average equity (ytd only) | 12.2439% | 570 |
| Net charge-offs to loans | 0.2740% | 539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 6.7241% | 2,174 |
| Efficiency ratio | 77.2992% | 1,347 |
| Assets per employee ($millions) | 3.0242% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 1,431 |
| Loan loss allowance to noncurrent loans | 383.9506% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 3,690 |
| Noncurrent loans to loans | 0.3832% | 3,214 |
| Net loans and leases to total assets | 59.8833% | 3,721 |
| Net loans and leases to deposits | 66.5798% | 4,010 |
| Net loans and leases to core deposits | 67.6877% | 4,198 |
| Total domestic deposits to total assets | 89.9421% | 467 |
| Equity capital to assets | 9.4757% | 4,283 |
| Core capital (leverage) ratio | 9.0787% | 4,597 |
| Tier 1 risk-based capital ratio | 13.4475% | 3,635 |
| Total risk-based capital ratio | 14.7067% | 3,537 |
| Memoranda: | ||
| Average total assets | $69,324,500 | 4,580 |
| Average earning assets | $62,810,000 | 4,598 |
| Average equity | $6,370,500 | 4,832 |
| Average total loans | $42,343,000 | 4,482 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8414% | 1,445 |
| Cost of funding earning assets | 0.4219% | 3,842 |
| Net interest margin | 4.4195% | 894 |
| Noninterest income to average assets | 1.2155% | 628 |
| Noninterest expense to average assets | 4.5132% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6885% | 4,172 |
| Return on assets (ROA) | 0.6885% | 4,175 |
| Pretax return on assets | 0.6885% | 4,440 |
| Return on Equity (ROE) | 7.8670% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.8670% | 1,292 |
| Net charge-offs to loans | -0.0290% | 4,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7634% | 489 |
| Assets per employee ($millions) | 3.1405% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,193 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 1,456 |
| Noncurrent loans to loans | 1.5326% | 984 |
| Net loans and leases to total assets | 60.4426% | 3,721 |
| Net loans and leases to deposits | 66.9193% | 4,055 |
| Net loans and leases to core deposits | 69.1980% | 4,161 |
| Total domestic deposits to total assets | 90.3216% | 371 |
| Equity capital to assets | 8.9012% | 4,654 |
| Core capital (leverage) ratio | 8.8535% | 4,769 |
| Tier 1 risk-based capital ratio | 13.1457% | 3,761 |
| Total risk-based capital ratio | 14.4078% | 3,641 |
| Memoranda: | ||
| Average total assets | $66,228,000 | 4,650 |
| Average earning assets | $59,735,200 | 4,670 |
| Average equity | $5,796,400 | 4,930 |
| Average total loans | $41,334,000 | 4,514 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 1,393 |
| Cost of funding earning assets | 0.4114% | 3,779 |
| Net interest margin | 4.4014% | 896 |
| Noninterest income to average assets | 1.4206% | 468 |
| Noninterest expense to average assets | 4.2882% | 359 |
| Loan and lease loss provision to assets | 0.2035% | 841 |
| Net operating income to assets | 0.8914% | 3,575 |
| Return on assets (ROA) | 0.8914% | 3,579 |
| Pretax return on assets | 0.8914% | 4,049 |
| Return on Equity (ROE) | 10.2311% | 2,512 |
| Retained earnings to average equity (ytd only) | 10.2311% | 844 |
| Net charge-offs to loans | -0.0909% | 5,136 |
| Credit loss provision to net charge-offs | -357.1429% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6597% | 978 |
| Assets per employee ($millions) | 3.1610% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8726% | 633 |
| Loan loss allowance to noncurrent loans | 118.0000% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.9792% | 1,487 |
| Noncurrent loans to loans | 1.5870% | 1,003 |
| Net loans and leases to total assets | 60.5484% | 3,791 |
| Net loans and leases to deposits | 67.0336% | 4,124 |
| Net loans and leases to core deposits | 69.4054% | 4,225 |
| Total domestic deposits to total assets | 90.3254% | 405 |
| Equity capital to assets | 8.9485% | 4,597 |
| Core capital (leverage) ratio | 9.1487% | 4,566 |
| Tier 1 risk-based capital ratio | 13.5430% | 3,604 |
| Total risk-based capital ratio | 14.8090% | 3,507 |
| Memoranda: | ||
| Average total assets | $65,512,000 | 4,713 |
| Average earning assets | $58,979,750 | 4,737 |
| Average equity | $5,708,000 | 5,001 |
| Average total loans | $41,064,750 | 4,564 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7929% | 1,267 |
| Cost of funding earning assets | 0.3997% | 3,718 |
| Net interest margin | 4.3932% | 860 |
| Noninterest income to average assets | 1.8337% | 308 |
| Noninterest expense to average assets | 4.1489% | 445 |
| Loan and lease loss provision to assets | 0.2760% | 537 |
| Net operating income to assets | 1.3523% | 1,596 |
| Return on assets (ROA) | 1.3523% | 1,601 |
| Pretax return on assets | 1.3523% | 2,317 |
| Return on Equity (ROE) | 15.6642% | 735 |
| Retained earnings to average equity (ytd only) | 15.6642% | 171 |
| Net charge-offs to loans | -0.0389% | 4,831 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8153% | 2,032 |
| Assets per employee ($millions) | 3.2349% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7948% | 761 |
| Loan loss allowance to noncurrent loans | 113.3846% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 1,495 |
| Noncurrent loans to loans | 1.5829% | 1,028 |
| Net loans and leases to total assets | 62.3296% | 3,561 |
| Net loans and leases to deposits | 68.8087% | 3,958 |
| Net loans and leases to core deposits | 71.2952% | 4,062 |
| Total domestic deposits to total assets | 90.5839% | 367 |
| Equity capital to assets | 9.1888% | 4,391 |
| Core capital (leverage) ratio | 9.3067% | 4,356 |
| Tier 1 risk-based capital ratio | 13.4818% | 3,624 |
| Total risk-based capital ratio | 14.7457% | 3,534 |
| Memoranda: | ||
| Average total assets | $65,222,670 | 4,770 |
| Average earning assets | $58,544,670 | 4,803 |
| Average equity | $5,630,670 | 5,061 |
| Average total loans | $41,100,000 | 4,608 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7461% | 1,199 |
| Cost of funding earning assets | 0.3756% | 3,770 |
| Net interest margin | 4.3705% | 817 |
| Noninterest income to average assets | 0.5375% | 2,593 |
| Noninterest expense to average assets | 3.8421% | 632 |
| Loan and lease loss provision to assets | 0.3665% | 324 |
| Net operating income to assets | 0.2382% | 5,201 |
| Return on assets (ROA) | 0.2382% | 5,199 |
| Pretax return on assets | 0.2382% | 5,230 |
| Return on Equity (ROE) | 2.8501% | 5,053 |
| Retained earnings to average equity (ytd only) | 2.8501% | 4,054 |
| Net charge-offs to loans | -0.0389% | 4,858 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4011% | 619 |
| Assets per employee ($millions) | 3.0453% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 930 |
| Loan loss allowance to noncurrent loans | 108.1538% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.0649% | 1,463 |
| Noncurrent loans to loans | 1.5786% | 1,100 |
| Net loans and leases to total assets | 63.2850% | 3,398 |
| Net loans and leases to deposits | 69.5598% | 3,824 |
| Net loans and leases to core deposits | 72.0848% | 3,950 |
| Total domestic deposits to total assets | 90.9792% | 328 |
| Equity capital to assets | 8.5267% | 4,948 |
| Core capital (leverage) ratio | 8.5938% | 5,071 |
| Tier 1 risk-based capital ratio | 12.1571% | 4,455 |
| Total risk-based capital ratio | 13.4221% | 4,346 |
| Memoranda: | ||
| Average total assets | $65,485,000 | 4,825 |
| Average earning assets | $58,574,500 | 4,857 |
| Average equity | $5,473,500 | 5,139 |
| Average total loans | $41,118,500 | 4,660 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6372% | 1,341 |
| Cost of funding earning assets | 0.4061% | 3,191 |
| Net interest margin | 4.2311% | 1,125 |
| Noninterest income to average assets | 0.9082% | 1,246 |
| Noninterest expense to average assets | 3.9502% | 574 |
| Loan and lease loss provision to assets | 0.3899% | 381 |
| Net operating income to assets | 0.3627% | 4,802 |
| Return on assets (ROA) | 0.3627% | 4,821 |
| Pretax return on assets | 0.3627% | 5,133 |
| Return on Equity (ROE) | 4.4341% | 4,370 |
| Retained earnings to average equity (ytd only) | 4.4341% | 2,496 |
| Net charge-offs to loans | 0.3071% | 834 |
| Credit loss provision to net charge-offs | 204.7619% | 1,334 |
| Earnings coverage of net charge-offs (x) | 3.9524% | 3,532 |
| Efficiency ratio | 83.9974% | 765 |
| Assets per employee ($millions) | 3.3509% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5537% | 1,261 |
| Loan loss allowance to noncurrent loans | 98.1538% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.0161% | 1,510 |
| Noncurrent loans to loans | 1.5830% | 1,064 |
| Net loans and leases to total assets | 60.3181% | 3,798 |
| Net loans and leases to deposits | 66.1658% | 4,178 |
| Net loans and leases to core deposits | 68.0401% | 4,290 |
| Total domestic deposits to total assets | 91.1621% | 207 |
| Equity capital to assets | 8.1978% | 5,303 |
| Core capital (leverage) ratio | 8.2758% | 5,301 |
| Tier 1 risk-based capital ratio | 12.1010% | 4,463 |
| Total risk-based capital ratio | 13.3623% | 4,348 |
| Memoranda: | ||
| Average total assets | $66,174,600 | 4,841 |
| Average earning assets | $59,346,000 | 4,874 |
| Average equity | $5,412,600 | 5,199 |
| Average total loans | $41,027,200 | 4,699 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 1,316 |
| Cost of funding earning assets | 0.4195% | 2,988 |
| Net interest margin | 4.2015% | 1,152 |
| Noninterest income to average assets | 0.9904% | 1,047 |
| Noninterest expense to average assets | 3.9071% | 588 |
| Loan and lease loss provision to assets | 0.4002% | 335 |
| Net operating income to assets | 0.4487% | 4,885 |
| Return on assets (ROA) | 0.4487% | 4,913 |
| Pretax return on assets | 0.4487% | 5,116 |
| Return on Equity (ROE) | 5.4892% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.4892% | 2,547 |
| Net charge-offs to loans | 0.0845% | 1,956 |
| Credit loss provision to net charge-offs | 761.5385% | 453 |
| Earnings coverage of net charge-offs (x) | 16.1520% | 2,179 |
| Efficiency ratio | 82.1504% | 902 |
| Assets per employee ($millions) | 3.2973% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 1,234 |
| Loan loss allowance to noncurrent loans | 76.1211% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.3526% | 1,173 |
| Noncurrent loans to loans | 2.1056% | 782 |
| Net loans and leases to total assets | 63.2103% | 3,529 |
| Net loans and leases to deposits | 69.5498% | 3,997 |
| Net loans and leases to core deposits | 71.5556% | 4,158 |
| Total domestic deposits to total assets | 90.8848% | 212 |
| Equity capital to assets | 8.4282% | 5,329 |
| Core capital (leverage) ratio | 8.0367% | 5,504 |
| Tier 1 risk-based capital ratio | 11.7011% | 4,827 |
| Total risk-based capital ratio | 12.9616% | 4,700 |
| Memoranda: | ||
| Average total assets | $65,963,750 | 4,898 |
| Average earning assets | $59,120,000 | 4,933 |
| Average equity | $5,392,250 | 5,260 |
| Average total loans | $41,018,500 | 4,742 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 1,333 |
| Cost of funding earning assets | 0.4163% | 2,921 |
| Net interest margin | 4.1527% | 1,196 |
| Noninterest income to average assets | 1.0793% | 856 |
| Noninterest expense to average assets | 3.8229% | 654 |
| Loan and lease loss provision to assets | 0.4366% | 285 |
| Net operating income to assets | 0.5396% | 4,573 |
| Return on assets (ROA) | 0.5396% | 4,610 |
| Pretax return on assets | 0.5396% | 4,934 |
| Return on Equity (ROE) | 6.6704% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.6704% | 1,754 |
| Net charge-offs to loans | 0.1430% | 1,301 |
| Credit loss provision to net charge-offs | 496.5517% | 671 |
| Earnings coverage of net charge-offs (x) | 11.1034% | 2,298 |
| Efficiency ratio | 79.6589% | 1,255 |
| Assets per employee ($millions) | 3.6692% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 1,665 |
| Loan loss allowance to noncurrent loans | 89.6254% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.9955% | 1,758 |
| Noncurrent loans to loans | 1.6451% | 1,117 |
| Net loans and leases to total assets | 59.6199% | 3,874 |
| Net loans and leases to deposits | 65.1831% | 4,288 |
| Net loans and leases to core deposits | 69.1880% | 4,281 |
| Total domestic deposits to total assets | 91.4653% | 137 |
| Equity capital to assets | 7.8778% | 5,583 |
| Core capital (leverage) ratio | 8.2888% | 5,365 |
| Tier 1 risk-based capital ratio | 11.6566% | 4,860 |
| Total risk-based capital ratio | 12.9167% | 4,740 |
| Memoranda: | ||
| Average total assets | $65,970,000 | 4,932 |
| Average earning assets | $59,093,670 | 4,973 |
| Average equity | $5,337,000 | 5,307 |
| Average total loans | $40,570,330 | 4,787 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 1,198 |
| Cost of funding earning assets | 0.4267% | 2,751 |
| Net interest margin | 4.1483% | 1,099 |
| Noninterest income to average assets | 0.8419% | 1,426 |
| Noninterest expense to average assets | 3.6356% | 849 |
| Loan and lease loss provision to assets | 0.0935% | 1,978 |
| Net operating income to assets | 0.8107% | 3,171 |
| Return on assets (ROA) | 0.8107% | 3,230 |
| Pretax return on assets | 0.8107% | 4,073 |
| Return on Equity (ROE) | 9.8002% | 2,057 |
| Retained earnings to average equity (ytd only) | 9.8002% | 860 |
| Net charge-offs to loans | 0.3320% | 552 |
| Credit loss provision to net charge-offs | 45.4545% | 2,022 |
| Earnings coverage of net charge-offs (x) | 4.3939% | 2,394 |
| Efficiency ratio | 80.0824% | 1,376 |
| Assets per employee ($millions) | 3.2560% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 3,093 |
| Loan loss allowance to noncurrent loans | 69.5590% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.0796% | 1,656 |
| Noncurrent loans to loans | 1.7345% | 1,103 |
| Net loans and leases to total assets | 61.4890% | 3,602 |
| Net loans and leases to deposits | 67.4273% | 4,049 |
| Net loans and leases to core deposits | 71.8856% | 3,994 |
| Total domestic deposits to total assets | 91.1930% | 246 |
| Equity capital to assets | 8.2664% | 5,375 |
| Core capital (leverage) ratio | 8.4063% | 5,297 |
| Tier 1 risk-based capital ratio | 12.2361% | 4,556 |
| Total risk-based capital ratio | 13.3908% | 4,521 |
| Memoranda: | ||
| Average total assets | $64,144,000 | 5,033 |
| Average earning assets | $57,180,000 | 5,069 |
| Average equity | $5,306,000 | 5,359 |
| Average total loans | $39,762,500 | 4,858 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 1,482 |
| Cost of funding earning assets | 0.4419% | 2,601 |
| Net interest margin | 4.0778% | 1,433 |
| Noninterest income to average assets | 0.8100% | 1,716 |
| Noninterest expense to average assets | 4.4552% | 393 |
| Loan and lease loss provision to assets | 0.0680% | 3,011 |
| Net operating income to assets | -0.0897% | 5,683 |
| Return on assets (ROA) | -0.0897% | 5,691 |
| Pretax return on assets | -0.0897% | 5,688 |
| Return on Equity (ROE) | -1.0831% | 5,709 |
| Retained earnings to average equity (ytd only) | -1.0831% | 5,453 |
| Net charge-offs to loans | 0.1939% | 1,432 |
| Credit loss provision to net charge-offs | 57.8947% | 3,279 |
| Earnings coverage of net charge-offs (x) | -0.1842% | 4,143 |
| Efficiency ratio | 100.4881% | 218 |
| Assets per employee ($millions) | 3.5108% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,542 |
| Loan loss allowance to noncurrent loans | 74.3402% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.0792% | 1,742 |
| Noncurrent loans to loans | 1.7489% | 1,098 |
| Net loans and leases to total assets | 60.9036% | 3,747 |
| Net loans and leases to deposits | 66.8148% | 4,184 |
| Net loans and leases to core deposits | 69.1298% | 4,314 |
| Total domestic deposits to total assets | 91.1528% | 234 |
| Equity capital to assets | 8.3155% | 5,409 |
| Core capital (leverage) ratio | 8.3518% | 5,399 |
| Tier 1 risk-based capital ratio | 12.1918% | 4,584 |
| Total risk-based capital ratio | 13.4086% | 4,489 |
| Memoranda: | ||
| Average total assets | $64,688,600 | 5,032 |
| Average earning assets | $57,482,600 | 5,091 |
| Average equity | $5,355,000 | 5,398 |
| Average total loans | $39,198,000 | 4,903 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 1,196 |
| Cost of funding earning assets | 0.4516% | 2,547 |
| Net interest margin | 4.1952% | 1,131 |
| Noninterest income to average assets | 0.8505% | 1,574 |
| Noninterest expense to average assets | 4.5350% | 371 |
| Loan and lease loss provision to assets | 0.0594% | 3,069 |
| Net operating income to assets | -0.0123% | 5,724 |
| Return on assets (ROA) | -0.0123% | 5,746 |
| Pretax return on assets | -0.0123% | 5,738 |
| Return on Equity (ROE) | -0.1487% | 5,747 |
| Retained earnings to average equity (ytd only) | -0.1487% | 5,380 |
| Net charge-offs to loans | 0.2684% | 861 |
| Credit loss provision to net charge-offs | 36.7089% | 3,180 |
| Earnings coverage of net charge-offs (x) | 0.2912% | 3,805 |
| Efficiency ratio | 98.9714% | 243 |
| Assets per employee ($millions) | 3.2001% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 2,932 |
| Loan loss allowance to noncurrent loans | 70.7670% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.6531% | 1,047 |
| Noncurrent loans to loans | 1.7717% | 1,171 |
| Net loans and leases to total assets | 60.1762% | 3,853 |
| Net loans and leases to deposits | 66.1684% | 4,324 |
| Net loans and leases to core deposits | 68.4316% | 4,430 |
| Total domestic deposits to total assets | 90.9440% | 204 |
| Equity capital to assets | 8.6107% | 5,465 |
| Core capital (leverage) ratio | 8.4672% | 5,390 |
| Tier 1 risk-based capital ratio | 11.0292% | 5,355 |
| Total risk-based capital ratio | 12.0826% | 5,372 |
| Memoranda: | ||
| Average total assets | $65,062,000 | 5,073 |
| Average earning assets | $57,873,750 | 5,122 |
| Average equity | $5,380,000 | 5,449 |
| Average total loans | $39,248,750 | 4,949 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 1,084 |
| Cost of funding earning assets | 0.4670% | 2,407 |
| Net interest margin | 4.2166% | 1,084 |
| Noninterest income to average assets | 0.7888% | 1,764 |
| Noninterest expense to average assets | 4.4638% | 398 |
| Loan and lease loss provision to assets | 0.0428% | 3,292 |
| Net operating income to assets | 0.0367% | 5,739 |
| Return on assets (ROA) | 0.0367% | 5,770 |
| Pretax return on assets | 0.0367% | 5,772 |
| Return on Equity (ROE) | 0.4497% | 5,754 |
| Retained earnings to average equity (ytd only) | 0.4497% | 5,169 |
| Net charge-offs to loans | 0.4170% | 548 |
| Credit loss provision to net charge-offs | 17.0732% | 2,954 |
| Earnings coverage of net charge-offs (x) | 0.3171% | 3,530 |
| Efficiency ratio | 98.2503% | 279 |
| Assets per employee ($millions) | 3.3156% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 3,376 |
| Loan loss allowance to noncurrent loans | 67.2857% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.6091% | 1,148 |
| Noncurrent loans to loans | 1.7811% | 1,170 |
| Net loans and leases to total assets | 58.5589% | 4,063 |
| Net loans and leases to deposits | 64.1665% | 4,481 |
| Net loans and leases to core deposits | 65.5442% | 4,644 |
| Total domestic deposits to total assets | 91.2609% | 146 |
| Equity capital to assets | 8.3591% | 5,668 |
| Core capital (leverage) ratio | 8.2589% | 5,564 |
| Tier 1 risk-based capital ratio | 10.8853% | 5,488 |
| Total risk-based capital ratio | 11.8824% | 5,526 |
| Memoranda: | ||
| Average total assets | $65,415,330 | 5,115 |
| Average earning assets | $58,246,670 | 5,161 |
| Average equity | $5,336,330 | 5,512 |
| Average total loans | $39,330,670 | 4,990 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 1,329 |
| Cost of funding earning assets | 0.4775% | 2,303 |
| Net interest margin | 4.0967% | 1,355 |
| Noninterest income to average assets | 0.7942% | 1,641 |
| Noninterest expense to average assets | 4.5253% | 387 |
| Loan and lease loss provision to assets | 0.0862% | 2,242 |
| Net operating income to assets | -0.1724% | 5,874 |
| Return on assets (ROA) | -0.1724% | 5,889 |
| Pretax return on assets | -0.1724% | 5,886 |
| Return on Equity (ROE) | -2.1403% | 5,910 |
| Retained earnings to average equity (ytd only) | -2.1403% | 5,396 |
| Net charge-offs to loans | 0.6507% | 332 |
| Credit loss provision to net charge-offs | 21.8750% | 2,284 |
| Earnings coverage of net charge-offs (x) | -0.2188% | 2,989 |
| Efficiency ratio | 101.9417% | 249 |
| Assets per employee ($millions) | 2.9421% | 5,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 3,165 |
| Loan loss allowance to noncurrent loans | 62.4521% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.7767% | 1,052 |
| Noncurrent loans to loans | 2.0053% | 1,072 |
| Net loans and leases to total assets | 59.5702% | 3,840 |
| Net loans and leases to deposits | 65.1307% | 4,326 |
| Net loans and leases to core deposits | 66.5585% | 4,499 |
| Total domestic deposits to total assets | 91.4626% | 166 |
| Equity capital to assets | 8.0863% | 5,789 |
| Core capital (leverage) ratio | 8.2213% | 5,640 |
| Tier 1 risk-based capital ratio | 10.9648% | 5,524 |
| Total risk-based capital ratio | 11.9828% | 5,557 |
| Memoranda: | ||
| Average total assets | $64,967,500 | 5,182 |
| Average earning assets | $57,802,500 | 5,223 |
| Average equity | $5,233,000 | 5,571 |
| Average total loans | $39,345,000 | 5,033 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 1,867 |
| Cost of funding earning assets | 0.5198% | 1,998 |
| Net interest margin | 3.8896% | 2,065 |
| Noninterest income to average assets | 1.4148% | 603 |
| Noninterest expense to average assets | 4.5164% | 407 |
| Loan and lease loss provision to assets | 0.0180% | 4,048 |
| Net operating income to assets | 0.2793% | 5,413 |
| Return on assets (ROA) | -0.6158% | 6,064 |
| Pretax return on assets | -0.6549% | 6,064 |
| Return on Equity (ROE) | -7.7811% | 6,079 |
| Retained earnings to average equity (ytd only) | -7.7811% | 5,994 |
| Net charge-offs to loans | 0.0690% | 2,859 |
| Credit loss provision to net charge-offs | 46.1538% | 3,456 |
| Earnings coverage of net charge-offs (x) | 8.0769% | 3,000 |
| Efficiency ratio | 93.4722% | 507 |
| Assets per employee ($millions) | 2.7170% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 2,619 |
| Loan loss allowance to noncurrent loans | 27.2497% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 3.5962% | 322 |
| Noncurrent loans to loans | 4.9895% | 191 |
| Net loans and leases to total assets | 59.9681% | 3,843 |
| Net loans and leases to deposits | 65.5360% | 4,351 |
| Net loans and leases to core deposits | 66.9578% | 4,508 |
| Total domestic deposits to total assets | 91.5041% | 175 |
| Equity capital to assets | 8.0236% | 5,845 |
| Core capital (leverage) ratio | 8.3828% | 5,540 |
| Tier 1 risk-based capital ratio | 10.8013% | 5,625 |
| Total risk-based capital ratio | 11.8878% | 5,626 |
| Memoranda: | ||
| Average total assets | $66,580,000 | 5,164 |
| Average earning assets | $58,489,200 | 5,224 |
| Average equity | $5,269,200 | 5,589 |
| Average total loans | $37,695,800 | 5,099 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5506% | 1,449 |
| Cost of funding earning assets | 0.5347% | 1,932 |
| Net interest margin | 4.0159% | 1,650 |
| Noninterest income to average assets | 0.8567% | 1,596 |
| Noninterest expense to average assets | 4.5345% | 400 |
| Loan and lease loss provision to assets | -0.0458% | 5,905 |
| Net operating income to assets | -0.1123% | 6,011 |
| Return on assets (ROA) | -1.0340% | 6,192 |
| Pretax return on assets | -1.0858% | 6,191 |
| Return on Equity (ROE) | -13.1094% | 6,202 |
| Retained earnings to average equity (ytd only) | -13.1094% | 6,164 |
| Net charge-offs to loans | 0.0108% | 3,802 |
| Credit loss provision to net charge-offs | -766.6667% | 5,449 |
| Earnings coverage of net charge-offs (x) | -27.0000% | 4,159 |
| Efficiency ratio | 103.6902% | 218 |
| Assets per employee ($millions) | 2.5044% | 5,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 2,707 |
| Loan loss allowance to noncurrent loans | 153.6443% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 2.1626% | 891 |
| Noncurrent loans to loans | 0.8968% | 2,733 |
| Net loans and leases to total assets | 60.2434% | 3,850 |
| Net loans and leases to deposits | 66.0370% | 4,383 |
| Net loans and leases to core deposits | 67.2137% | 4,610 |
| Total domestic deposits to total assets | 91.2268% | 201 |
| Equity capital to assets | 8.2877% | 5,833 |
| Core capital (leverage) ratio | 8.3491% | 5,677 |
| Tier 1 risk-based capital ratio | 10.7438% | 5,787 |
| Total risk-based capital ratio | 11.8809% | 5,754 |
| Memoranda: | ||
| Average total assets | $66,923,000 | 5,222 |
| Average earning assets | $58,599,000 | 5,287 |
| Average equity | $5,278,500 | 5,658 |
| Average total loans | $37,209,000 | 5,169 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6069% | 1,268 |
| Cost of funding earning assets | 0.5500% | 1,813 |
| Net interest margin | 4.0569% | 1,479 |
| Noninterest income to average assets | 0.6407% | 2,524 |
| Noninterest expense to average assets | 4.4470% | 446 |
| Loan and lease loss provision to assets | -0.0585% | 6,042 |
| Net operating income to assets | -0.1872% | 6,093 |
| Return on assets (ROA) | -1.6120% | 6,292 |
| Pretax return on assets | -1.6120% | 6,289 |
| Return on Equity (ROE) | -20.7598% | 6,296 |
| Retained earnings to average equity (ytd only) | -20.7598% | 6,266 |
| Net charge-offs to loans | 0.0271% | 3,132 |
| Credit loss provision to net charge-offs | -400.0000% | 5,166 |
| Earnings coverage of net charge-offs (x) | -16.8000% | 3,857 |
| Efficiency ratio | 105.8496% | 219 |
| Assets per employee ($millions) | 2.7643% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 2,669 |
| Loan loss allowance to noncurrent loans | 149.5751% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 2.0560% | 1,054 |
| Noncurrent loans to loans | 0.9484% | 2,754 |
| Net loans and leases to total assets | 55.3072% | 4,409 |
| Net loans and leases to deposits | 60.2483% | 4,831 |
| Net loans and leases to core deposits | 60.2483% | 5,059 |
| Total domestic deposits to total assets | 91.7988% | 150 |
| Equity capital to assets | 7.7731% | 6,054 |
| Core capital (leverage) ratio | 7.8600% | 5,989 |
| Tier 1 risk-based capital ratio | 10.5545% | 5,899 |
| Total risk-based capital ratio | 11.6722% | 5,891 |
| Memoranda: | ||
| Average total assets | $68,360,330 | 5,246 |
| Average earning assets | $59,996,330 | 5,307 |
| Average equity | $5,308,330 | 5,702 |
| Average total loans | $36,863,330 | 5,227 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 558 |
| Cost of funding earning assets | 0.5418% | 1,916 |
| Net interest margin | 4.4795% | 623 |
| Noninterest income to average assets | 0.9799% | 1,164 |
| Noninterest expense to average assets | 4.3635% | 475 |
| Loan and lease loss provision to assets | 0.0173% | 3,497 |
| Net operating income to assets | 0.5073% | 4,647 |
| Return on assets (ROA) | 0.5073% | 4,767 |
| Pretax return on assets | 0.5073% | 5,164 |
| Return on Equity (ROE) | 6.5077% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.5077% | 2,237 |
| Net charge-offs to loans | -0.0436% | 5,449 |
| Credit loss provision to net charge-offs | -75.0000% | 4,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2689% | 911 |
| Assets per employee ($millions) | 2.7933% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 2,481 |
| Loan loss allowance to noncurrent loans | 91.3540% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 2.4225% | 898 |
| Noncurrent loans to loans | 1.6322% | 1,711 |
| Net loans and leases to total assets | 55.1866% | 4,294 |
| Net loans and leases to deposits | 60.4076% | 4,714 |
| Net loans and leases to core deposits | 60.4076% | 4,963 |
| Total domestic deposits to total assets | 91.3571% | 263 |
| Equity capital to assets | 8.1730% | 5,951 |
| Core capital (leverage) ratio | 8.8225% | 5,174 |
| Tier 1 risk-based capital ratio | 10.8490% | 5,878 |
| Total risk-based capital ratio | 11.8475% | 5,909 |
| Memoranda: | ||
| Average total assets | $69,393,500 | 5,272 |
| Average earning assets | $60,542,500 | 5,341 |
| Average equity | $5,409,000 | 5,732 |
| Average total loans | $36,684,500 | 5,267 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 3,051 |
| Cost of funding earning assets | 0.5912% | 1,847 |
| Net interest margin | 3.5776% | 3,479 |
| Noninterest income to average assets | 1.2061% | 821 |
| Noninterest expense to average assets | 4.0243% | 732 |
| Loan and lease loss provision to assets | 0.2158% | 1,156 |
| Net operating income to assets | 0.1354% | 5,903 |
| Return on assets (ROA) | -0.9140% | 6,361 |
| Pretax return on assets | -0.9126% | 6,353 |
| Return on Equity (ROE) | -13.5033% | 6,400 |
| Retained earnings to average equity (ytd only) | -13.5033% | 6,368 |
| Net charge-offs to loans | 1.5811% | 150 |
| Credit loss provision to net charge-offs | 34.8485% | 3,774 |
| Earnings coverage of net charge-offs (x) | 0.5693% | 4,610 |
| Efficiency ratio | 91.9473% | 709 |
| Assets per employee ($millions) | 2.9895% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 2,284 |
| Loan loss allowance to noncurrent loans | 89.9187% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 3.1541% | 617 |
| Noncurrent loans to loans | 1.7173% | 1,692 |
| Net loans and leases to total assets | 49.1435% | 5,050 |
| Net loans and leases to deposits | 53.3693% | 5,375 |
| Net loans and leases to core deposits | 53.3693% | 5,537 |
| Total domestic deposits to total assets | 92.0821% | 138 |
| Equity capital to assets | 7.4412% | 6,246 |
| Core capital (leverage) ratio | 8.3469% | 5,731 |
| Tier 1 risk-based capital ratio | 11.5966% | 5,607 |
| Total risk-based capital ratio | 12.6695% | 5,627 |
| Memoranda: | ||
| Average total assets | $74,620,800 | 5,180 |
| Average earning assets | $66,134,200 | 5,221 |
| Average equity | $5,050,600 | 5,845 |
| Average total loans | $29,219,800 | 5,592 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 2,537 |
| Cost of funding earning assets | 0.5957% | 1,877 |
| Net interest margin | 3.7255% | 2,922 |
| Noninterest income to average assets | 1.2618% | 759 |
| Noninterest expense to average assets | 3.8970% | 847 |
| Loan and lease loss provision to assets | 0.0690% | 2,964 |
| Net operating income to assets | 0.6035% | 4,428 |
| Return on assets (ROA) | -0.8389% | 6,440 |
| Pretax return on assets | -0.8371% | 6,427 |
| Return on Equity (ROE) | -12.6942% | 6,478 |
| Retained earnings to average equity (ytd only) | -12.6942% | 6,429 |
| Net charge-offs to loans | 1.8328% | 117 |
| Credit loss provision to net charge-offs | 10.2902% | 3,701 |
| Earnings coverage of net charge-offs (x) | 1.0053% | 4,261 |
| Efficiency ratio | 85.2497% | 1,257 |
| Assets per employee ($millions) | 2.9330% | 5,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7119% | 1,928 |
| Loan loss allowance to noncurrent loans | 56.9845% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 3.6382% | 573 |
| Noncurrent loans to loans | 3.0042% | 890 |
| Net loans and leases to total assets | 41.9238% | 5,678 |
| Net loans and leases to deposits | 45.4470% | 5,903 |
| Net loans and leases to core deposits | 45.4470% | 5,976 |
| Total domestic deposits to total assets | 92.2477% | 126 |
| Equity capital to assets | 7.4000% | 6,325 |
| Core capital (leverage) ratio | 8.5014% | 5,657 |
| Tier 1 risk-based capital ratio | 12.5630% | 5,132 |
| Total risk-based capital ratio | 13.6074% | 5,192 |
| Memoranda: | ||
| Average total assets | $75,338,750 | 5,222 |
| Average earning assets | $66,924,500 | 5,256 |
| Average equity | $4,978,500 | 5,918 |
| Average total loans | $27,571,500 | 5,726 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 2,618 |
| Cost of funding earning assets | 0.5970% | 1,926 |
| Net interest margin | 3.6924% | 2,992 |
| Noninterest income to average assets | 1.0080% | 1,180 |
| Noninterest expense to average assets | 3.8656% | 888 |
| Loan and lease loss provision to assets | 0.0961% | 2,420 |
| Net operating income to assets | 0.3377% | 5,440 |
| Return on assets (ROA) | -1.2392% | 6,552 |
| Pretax return on assets | -1.2366% | 6,538 |
| Return on Equity (ROE) | -19.4628% | 6,571 |
| Retained earnings to average equity (ytd only) | -19.4628% | 6,530 |
| Net charge-offs to loans | 2.8333% | 63 |
| Credit loss provision to net charge-offs | 9.7625% | 3,306 |
| Earnings coverage of net charge-offs (x) | 0.4433% | 4,043 |
| Efficiency ratio | 89.8551% | 932 |
| Assets per employee ($millions) | 3.1937% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8914% | 1,604 |
| Loan loss allowance to noncurrent loans | 55.7860% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 3.5055% | 666 |
| Noncurrent loans to loans | 3.3905% | 805 |
| Net loans and leases to total assets | 36.0842% | 6,051 |
| Net loans and leases to deposits | 39.0477% | 6,189 |
| Net loans and leases to core deposits | 39.0477% | 6,241 |
| Total domestic deposits to total assets | 92.4104% | 125 |
| Equity capital to assets | 7.2329% | 6,408 |
| Core capital (leverage) ratio | 8.1673% | 5,964 |
| Tier 1 risk-based capital ratio | 12.5360% | 5,208 |
| Total risk-based capital ratio | 13.5744% | 5,266 |
| Memoranda: | ||
| Average total assets | $76,987,670 | 5,226 |
| Average earning assets | $68,681,000 | 5,257 |
| Average equity | $4,901,670 | 5,977 |
| Average total loans | $26,753,670 | 5,812 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 2,494 |
| Cost of funding earning assets | 0.5879% | 2,089 |
| Net interest margin | 3.7194% | 2,790 |
| Noninterest income to average assets | 1.1784% | 803 |
| Noninterest expense to average assets | 3.8195% | 949 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6958% | 3,713 |
| Return on assets (ROA) | -2.2450% | 6,667 |
| Pretax return on assets | -2.2399% | 6,656 |
| Return on Equity (ROE) | -37.6491% | 6,676 |
| Retained earnings to average equity (ytd only) | -37.6491% | 6,644 |
| Net charge-offs to loans | -0.0150% | 5,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4944% | 1,617 |
| Assets per employee ($millions) | 3.1734% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1596% | 371 |
| Loan loss allowance to noncurrent loans | 35.6102% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 4.0034% | 585 |
| Noncurrent loans to loans | 8.8729% | 134 |
| Net loans and leases to total assets | 34.4074% | 6,158 |
| Net loans and leases to deposits | 37.1034% | 6,280 |
| Net loans and leases to core deposits | 37.1034% | 6,332 |
| Total domestic deposits to total assets | 92.7338% | 143 |
| Equity capital to assets | 6.7843% | 6,488 |
| Core capital (leverage) ratio | 7.8997% | 6,176 |
| Tier 1 risk-based capital ratio | 10.9004% | 6,193 |
| Total risk-based capital ratio | 12.1948% | 6,131 |
| Memoranda: | ||
| Average total assets | $78,753,500 | 5,235 |
| Average earning assets | $70,765,000 | 5,259 |
| Average equity | $4,696,000 | 6,073 |
| Average total loans | $26,622,000 | 5,868 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 936 |
| Cost of funding earning assets | 0.6779% | 1,973 |
| Net interest margin | 4.3110% | 1,080 |
| Noninterest income to average assets | 0.4765% | 3,917 |
| Noninterest expense to average assets | 4.1229% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0787% | 6,278 |
| Return on assets (ROA) | -3.3509% | 6,770 |
| Pretax return on assets | -3.0812% | 6,762 |
| Return on Equity (ROE) | -45.9151% | 6,767 |
| Retained earnings to average equity (ytd only) | -45.9151% | 6,764 |
| Net charge-offs to loans | 2.3145% | 137 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.2760% | 4,993 |
| Efficiency ratio | 95.5718% | 663 |
| Assets per employee ($millions) | 2.8050% | 6,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2615% | 348 |
| Loan loss allowance to noncurrent loans | 38.5379% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 3.5208% | 830 |
| Noncurrent loans to loans | 8.4632% | 171 |
| Net loans and leases to total assets | 31.1386% | 6,423 |
| Net loans and leases to deposits | 33.0020% | 6,511 |
| Net loans and leases to core deposits | 33.0020% | 6,532 |
| Total domestic deposits to total assets | 94.3537% | 68 |
| Equity capital to assets | 5.1939% | 6,676 |
| Core capital (leverage) ratio | 7.7721% | 6,260 |
| Tier 1 risk-based capital ratio | 9.9635% | 6,526 |
| Total risk-based capital ratio | 11.2419% | 6,485 |
| Memoranda: | ||
| Average total assets | $88,990,200 | 4,999 |
| Average earning assets | $79,216,000 | 5,056 |
| Average equity | $6,494,600 | 5,694 |
| Average total loans | $26,614,600 | 5,904 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1969% | 651 |
| Cost of funding earning assets | 0.7015% | 1,934 |
| Net interest margin | 4.4954% | 748 |
| Noninterest income to average assets | 0.5002% | 3,805 |
| Noninterest expense to average assets | 4.1949% | 691 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2097% | 5,889 |
| Return on assets (ROA) | -3.7446% | 6,866 |
| Pretax return on assets | -3.6640% | 6,861 |
| Return on Equity (ROE) | -48.2004% | 6,859 |
| Retained earnings to average equity (ytd only) | -48.2004% | 6,856 |
| Net charge-offs to loans | 1.5168% | 304 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.6513% | 4,632 |
| Efficiency ratio | 93.5252% | 765 |
| Assets per employee ($millions) | 3.0880% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4924% | 163 |
| Loan loss allowance to noncurrent loans | 45.7647% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 3.9611% | 791 |
| Noncurrent loans to loans | 9.8164% | 145 |
| Net loans and leases to total assets | 28.6937% | 6,576 |
| Net loans and leases to deposits | 30.7591% | 6,651 |
| Net loans and leases to core deposits | 30.7591% | 6,672 |
| Total domestic deposits to total assets | 93.2851% | 106 |
| Equity capital to assets | 6.1875% | 6,674 |
| Core capital (leverage) ratio | 7.8554% | 6,298 |
| Tier 1 risk-based capital ratio | 9.8189% | 6,636 |
| Total risk-based capital ratio | 11.0960% | 6,600 |
| Memoranda: | ||
| Average total assets | $90,901,250 | 5,010 |
| Average earning assets | $80,584,000 | 5,072 |
| Average equity | $7,062,000 | 5,615 |
| Average total loans | $26,722,250 | 5,956 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1347% | 718 |
| Cost of funding earning assets | 0.7353% | 1,804 |
| Net interest margin | 4.3994% | 847 |
| Noninterest income to average assets | 0.5997% | 3,192 |
| Noninterest expense to average assets | 4.3386% | 606 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1602% | 6,004 |
| Return on assets (ROA) | -5.3800% | 6,922 |
| Pretax return on assets | -5.3800% | 6,923 |
| Return on Equity (ROE) | -65.1148% | 6,921 |
| Retained earnings to average equity (ytd only) | -65.1148% | 6,918 |
| Net charge-offs to loans | 2.2840% | 175 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.2403% | 4,466 |
| Efficiency ratio | 96.4389% | 639 |
| Assets per employee ($millions) | 2.9929% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3588% | 191 |
| Loan loss allowance to noncurrent loans | 46.0380% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 3.9162% | 901 |
| Noncurrent loans to loans | 9.4677% | 183 |
| Net loans and leases to total assets | 29.3768% | 6,597 |
| Net loans and leases to deposits | 31.6883% | 6,658 |
| Net loans and leases to core deposits | 31.6883% | 6,690 |
| Total domestic deposits to total assets | 92.7056% | 155 |
| Equity capital to assets | 6.9061% | 6,619 |
| Core capital (leverage) ratio | 7.5202% | 6,445 |
| Tier 1 risk-based capital ratio | 9.4269% | 6,730 |
| Total risk-based capital ratio | 10.7211% | 6,710 |
| Memoranda: | ||
| Average total assets | $92,380,000 | 5,001 |
| Average earning assets | $81,874,670 | 5,054 |
| Average equity | $7,632,670 | 5,529 |
| Average total loans | $26,970,670 | 5,979 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 585 |
| Cost of funding earning assets | 0.7294% | 1,996 |
| Net interest margin | 4.4904% | 689 |
| Noninterest income to average assets | 0.7355% | 2,402 |
| Noninterest expense to average assets | 4.4382% | 562 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2816% | 5,627 |
| Return on assets (ROA) | -0.3699% | 6,648 |
| Pretax return on assets | -0.3699% | 6,623 |
| Return on Equity (ROE) | -4.1647% | 6,662 |
| Retained earnings to average equity (ytd only) | -4.1647% | 6,296 |
| Net charge-offs to loans | -0.3097% | 6,785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0338% | 835 |
| Assets per employee ($millions) | 3.2856% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8217% | 85 |
| Loan loss allowance to noncurrent loans | 50.2867% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 4.5046% | 829 |
| Noncurrent loans to loans | 11.5771% | 146 |
| Net loans and leases to total assets | 25.3146% | 6,744 |
| Net loans and leases to deposits | 28.0364% | 6,783 |
| Net loans and leases to core deposits | 28.0364% | 6,796 |
| Total domestic deposits to total assets | 90.2919% | 883 |
| Equity capital to assets | 9.3660% | 5,036 |
| Core capital (leverage) ratio | 9.6903% | 3,807 |
| Tier 1 risk-based capital ratio | 10.9949% | 6,408 |
| Total risk-based capital ratio | 12.2505% | 6,380 |
| Memoranda: | ||
| Average total assets | $95,173,500 | 4,972 |
| Average earning assets | $84,447,500 | 5,029 |
| Average equity | $8,452,000 | 5,372 |
| Average total loans | $27,126,500 | 6,021 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6452% | 466 |
| Cost of funding earning assets | 0.9664% | 1,548 |
| Net interest margin | 4.6787% | 674 |
| Noninterest income to average assets | 1.9048% | 466 |
| Noninterest expense to average assets | 3.7996% | 1,255 |
| Loan and lease loss provision to assets | 0.1706% | 3,486 |
| Net operating income to assets | 2.0564% | 324 |
| Return on assets (ROA) | 1.7724% | 600 |
| Pretax return on assets | 1.6589% | 1,244 |
| Return on Equity (ROE) | 38.5404% | 26 |
| Retained earnings to average equity (ytd only) | 38.5404% | 9 |
| Net charge-offs to loans | 0.3968% | 2,668 |
| Credit loss provision to net charge-offs | 137.0968% | 2,020 |
| Earnings coverage of net charge-offs (x) | 16.9839% | 1,537 |
| Efficiency ratio | 64.2566% | 4,836 |
| Assets per employee ($millions) | 3.2781% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1323% | 120 |
| Loan loss allowance to noncurrent loans | 64.2763% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 4.0277% | 1,059 |
| Noncurrent loans to loans | 7.9848% | 362 |
| Net loans and leases to total assets | 28.5822% | 6,748 |
| Net loans and leases to deposits | 31.3374% | 6,803 |
| Net loans and leases to core deposits | 31.3374% | 6,820 |
| Total domestic deposits to total assets | 91.2082% | 427 |
| Equity capital to assets | 8.3942% | 6,124 |
| Core capital (leverage) ratio | 10.1078% | 3,263 |
| Tier 1 risk-based capital ratio | 10.2336% | 6,640 |
| Total risk-based capital ratio | 11.4874% | 6,603 |
| Memoranda: | ||
| Average total assets | $99,641,600 | 4,847 |
| Average earning assets | $85,364,800 | 4,981 |
| Average equity | $4,582,200 | 6,421 |
| Average total loans | $31,250,200 | 5,885 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7689% | 416 |
| Cost of funding earning assets | 1.0340% | 1,372 |
| Net interest margin | 4.7349% | 625 |
| Noninterest income to average assets | 0.9432% | 1,695 |
| Noninterest expense to average assets | 3.2239% | 2,490 |
| Loan and lease loss provision to assets | 0.0662% | 4,868 |
| Net operating income to assets | 1.6374% | 781 |
| Return on assets (ROA) | 1.4975% | 1,140 |
| Pretax return on assets | 1.5372% | 1,764 |
| Return on Equity (ROE) | 40.4340% | 26 |
| Retained earnings to average equity (ytd only) | 40.4340% | 13 |
| Net charge-offs to loans | -0.1588% | 6,951 |
| Credit loss provision to net charge-offs | -131.5789% | 6,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8483% | 4,650 |
| Assets per employee ($millions) | 3.6815% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9447% | 152 |
| Loan loss allowance to noncurrent loans | 67.8331% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 5.3355% | 811 |
| Noncurrent loans to loans | 7.2896% | 485 |
| Net loans and leases to total assets | 30.3663% | 6,803 |
| Net loans and leases to deposits | 32.6581% | 6,896 |
| Net loans and leases to core deposits | 32.8593% | 6,920 |
| Total domestic deposits to total assets | 92.9825% | 113 |
| Equity capital to assets | 6.5996% | 6,931 |
| Core capital (leverage) ratio | 9.2802% | 4,621 |
| Tier 1 risk-based capital ratio | 8.6134% | 6,970 |
| Total risk-based capital ratio | 9.8654% | 6,970 |
| Memoranda: | ||
| Average total assets | $100,785,500 | 4,859 |
| Average earning assets | $85,744,500 | 5,027 |
| Average equity | $3,732,750 | 6,711 |
| Average total loans | $31,902,250 | 5,933 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8186% | 399 |
| Cost of funding earning assets | 1.1103% | 1,174 |
| Net interest margin | 4.7083% | 664 |
| Noninterest income to average assets | 0.7807% | 2,285 |
| Noninterest expense to average assets | 3.1500% | 2,746 |
| Loan and lease loss provision to assets | 0.0390% | 5,186 |
| Net operating income to assets | 1.5809% | 868 |
| Return on assets (ROA) | 1.6121% | 911 |
| Pretax return on assets | 1.6121% | 1,510 |
| Return on Equity (ROE) | 57.5343% | 12 |
| Retained earnings to average equity (ytd only) | 57.5343% | 6 |
| Net charge-offs to loans | -0.2164% | 7,014 |
| Credit loss provision to net charge-offs | -57.1429% | 6,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0393% | 4,527 |
| Assets per employee ($millions) | 4.0008% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8511% | 185 |
| Loan loss allowance to noncurrent loans | 58.0228% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 5.3350% | 856 |
| Noncurrent loans to loans | 8.3607% | 394 |
| Net loans and leases to total assets | 29.0035% | 6,900 |
| Net loans and leases to deposits | 30.3460% | 7,000 |
| Net loans and leases to core deposits | 30.3676% | 7,014 |
| Total domestic deposits to total assets | 95.5758% | 41 |
| Equity capital to assets | 4.0402% | 7,142 |
| Core capital (leverage) ratio | 8.6514% | 5,449 |
| Tier 1 risk-based capital ratio | 7.9553% | 7,043 |
| Total risk-based capital ratio | 9.2070% | 7,043 |
| Memoranda: | ||
| Average total assets | $102,474,670 | 4,845 |
| Average earning assets | $86,825,330 | 5,029 |
| Average equity | $2,871,330 | 6,941 |
| Average total loans | $32,343,670 | 5,948 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9722% | 321 |
| Cost of funding earning assets | 1.1634% | 1,134 |
| Net interest margin | 4.8088% | 553 |
| Noninterest income to average assets | 0.5169% | 3,800 |
| Noninterest expense to average assets | 3.3828% | 2,050 |
| Loan and lease loss provision to assets | 0.0386% | 4,904 |
| Net operating income to assets | 1.1610% | 1,856 |
| Return on assets (ROA) | 1.9595% | 523 |
| Pretax return on assets | 1.9595% | 796 |
| Return on Equity (ROE) | 88.8695% | 9 |
| Retained earnings to average equity (ytd only) | 88.8695% | 7 |
| Net charge-offs to loans | 0.3366% | 2,309 |
| Credit loss provision to net charge-offs | 35.7143% | 3,520 |
| Earnings coverage of net charge-offs (x) | 11.1071% | 1,697 |
| Efficiency ratio | 73.8215% | 3,125 |
| Assets per employee ($millions) | 3.9402% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2805% | 297 |
| Loan loss allowance to noncurrent loans | 48.3328% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 5.8324% | 821 |
| Noncurrent loans to loans | 8.8562% | 399 |
| Net loans and leases to total assets | 30.6906% | 6,877 |
| Net loans and leases to deposits | 31.7724% | 7,013 |
| Net loans and leases to core deposits | 31.8764% | 7,040 |
| Total domestic deposits to total assets | 96.5952% | 28 |
| Equity capital to assets | 3.0436% | 7,237 |
| Core capital (leverage) ratio | 8.0273% | 6,232 |
| Tier 1 risk-based capital ratio | 7.2453% | 7,117 |
| Total risk-based capital ratio | 8.4663% | 7,119 |
| Memoranda: | ||
| Average total assets | $103,702,500 | 4,842 |
| Average earning assets | $87,673,500 | 5,036 |
| Average equity | $2,286,500 | 7,108 |
| Average total loans | $33,271,500 | 5,949 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6835% | 808 |
| Cost of funding earning assets | 1.2831% | 1,563 |
| Net interest margin | 4.4005% | 1,397 |
| Noninterest income to average assets | 0.9313% | 1,565 |
| Noninterest expense to average assets | 4.0323% | 994 |
| Loan and lease loss provision to assets | 1.2095% | 729 |
| Net operating income to assets | -0.5112% | 6,493 |
| Return on assets (ROA) | -0.5728% | 6,580 |
| Pretax return on assets | -0.5728% | 6,537 |
| Return on Equity (ROE) | -21.8905% | 7,006 |
| Retained earnings to average equity (ytd only) | -21.8905% | 6,992 |
| Net charge-offs to loans | 2.9891% | 328 |
| Credit loss provision to net charge-offs | 129.5255% | 2,368 |
| Earnings coverage of net charge-offs (x) | 0.7478% | 5,244 |
| Efficiency ratio | 85.2385% | 1,651 |
| Assets per employee ($millions) | 4.0369% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2260% | 319 |
| Loan loss allowance to noncurrent loans | 49.8076% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 6.2443% | 767 |
| Noncurrent loans to loans | 8.4847% | 447 |
| Net loans and leases to total assets | 30.7470% | 6,982 |
| Net loans and leases to deposits | 31.3805% | 7,105 |
| Net loans and leases to core deposits | 31.4793% | 7,126 |
| Total domestic deposits to total assets | 97.9811% | 9 |
| Equity capital to assets | 1.3862% | 7,339 |
| Core capital (leverage) ratio | 6.8878% | 6,900 |
| Tier 1 risk-based capital ratio | 6.3938% | 7,187 |
| Total risk-based capital ratio | 7.5904% | 7,187 |
| Memoranda: | ||
| Average total assets | $121,867,200 | 4,350 |
| Average earning assets | $105,216,000 | 4,516 |
| Average equity | $3,188,600 | 6,968 |
| Average total loans | $38,071,600 | 5,783 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5689% | 1,103 |
| Cost of funding earning assets | 1.2853% | 1,783 |
| Net interest margin | 4.2836% | 1,781 |
| Noninterest income to average assets | 0.9390% | 1,519 |
| Noninterest expense to average assets | 3.9747% | 1,036 |
| Loan and lease loss provision to assets | 1.0257% | 829 |
| Net operating income to assets | -0.3436% | 6,538 |
| Return on assets (ROA) | -0.4134% | 6,643 |
| Pretax return on assets | -0.4134% | 6,576 |
| Return on Equity (ROE) | -14.3932% | 7,001 |
| Retained earnings to average equity (ytd only) | -14.3932% | 6,975 |
| Net charge-offs to loans | 2.0460% | 610 |
| Credit loss provision to net charge-offs | 161.3977% | 1,903 |
| Earnings coverage of net charge-offs (x) | 1.0732% | 4,829 |
| Efficiency ratio | 85.3542% | 1,592 |
| Assets per employee ($millions) | 4.3781% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0797% | 367 |
| Loan loss allowance to noncurrent loans | 34.8648% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 7.1009% | 691 |
| Noncurrent loans to loans | 11.7016% | 247 |
| Net loans and leases to total assets | 28.9789% | 7,117 |
| Net loans and leases to deposits | 30.7314% | 7,206 |
| Net loans and leases to core deposits | 30.8204% | 7,220 |
| Total domestic deposits to total assets | 94.2974% | 73 |
| Equity capital to assets | 2.0387% | 7,402 |
| Core capital (leverage) ratio | 6.7822% | 7,012 |
| Tier 1 risk-based capital ratio | 6.4106% | 7,277 |
| Total risk-based capital ratio | 7.5533% | 7,287 |
| Memoranda: | ||
| Average total assets | $126,094,000 | 4,268 |
| Average earning assets | $109,438,250 | 4,437 |
| Average equity | $3,622,000 | 6,905 |
| Average total loans | $39,165,500 | 5,783 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5487% | 1,187 |
| Cost of funding earning assets | 1.3172% | 1,841 |
| Net interest margin | 4.2315% | 1,912 |
| Noninterest income to average assets | 0.9322% | 1,525 |
| Noninterest expense to average assets | 3.6839% | 1,561 |
| Loan and lease loss provision to assets | 1.2026% | 647 |
| Net operating income to assets | -0.2657% | 6,528 |
| Return on assets (ROA) | -0.2905% | 6,577 |
| Pretax return on assets | -0.2905% | 6,526 |
| Return on Equity (ROE) | -9.2896% | 6,914 |
| Retained earnings to average equity (ytd only) | -9.2896% | 6,847 |
| Net charge-offs to loans | 2.4258% | 500 |
| Credit loss provision to net charge-offs | 158.2822% | 1,923 |
| Earnings coverage of net charge-offs (x) | 1.2331% | 4,364 |
| Efficiency ratio | 79.7243% | 2,433 |
| Assets per employee ($millions) | 4.3339% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7747% | 476 |
| Loan loss allowance to noncurrent loans | 30.6200% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 7.5872% | 632 |
| Noncurrent loans to loans | 12.3275% | 232 |
| Net loans and leases to total assets | 28.8433% | 7,216 |
| Net loans and leases to deposits | 30.3702% | 7,304 |
| Net loans and leases to core deposits | 30.4552% | 7,315 |
| Total domestic deposits to total assets | 94.9724% | 52 |
| Equity capital to assets | 2.2786% | 7,465 |
| Core capital (leverage) ratio | 6.6630% | 7,085 |
| Tier 1 risk-based capital ratio | 6.3503% | 7,345 |
| Total risk-based capital ratio | 7.3909% | 7,361 |
| Memoranda: | ||
| Average total assets | $128,722,000 | 4,254 |
| Average earning assets | $112,207,330 | 4,377 |
| Average equity | $4,026,000 | 6,844 |
| Average total loans | $40,316,330 | 5,788 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3485% | 1,724 |
| Cost of funding earning assets | 1.3097% | 2,121 |
| Net interest margin | 4.0388% | 2,524 |
| Noninterest income to average assets | 0.6284% | 2,972 |
| Noninterest expense to average assets | 3.5708% | 1,826 |
| Loan and lease loss provision to assets | 0.7734% | 1,106 |
| Net operating income to assets | -0.1571% | 6,512 |
| Return on assets (ROA) | -0.1813% | 6,561 |
| Pretax return on assets | -0.1813% | 6,527 |
| Return on Equity (ROE) | -5.1541% | 6,817 |
| Retained earnings to average equity (ytd only) | -5.1541% | 6,533 |
| Net charge-offs to loans | 4.7390% | 165 |
| Credit loss provision to net charge-offs | 51.0978% | 3,726 |
| Earnings coverage of net charge-offs (x) | 0.4072% | 4,314 |
| Efficiency ratio | 85.2814% | 1,800 |
| Assets per employee ($millions) | 4.9554% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0502% | 2,292 |
| Loan loss allowance to noncurrent loans | 12.1487% | 6,981 |
| Noncurrent assets plus other real estate owned to assets | 8.4888% | 534 |
| Noncurrent loans to loans | 16.8758% | 112 |
| Net loans and leases to total assets | 31.2597% | 7,196 |
| Net loans and leases to deposits | 33.4563% | 7,284 |
| Net loans and leases to core deposits | 33.6104% | 7,313 |
| Total domestic deposits to total assets | 93.4345% | 107 |
| Equity capital to assets | 3.4896% | 7,466 |
| Core capital (leverage) ratio | 6.3880% | 7,192 |
| Tier 1 risk-based capital ratio | 6.5756% | 7,399 |
| Total risk-based capital ratio | 7.2311% | 7,429 |
| Memoranda: | ||
| Average total assets | $132,408,500 | 4,201 |
| Average earning assets | $116,669,000 | 4,283 |
| Average equity | $4,656,500 | 6,666 |
| Average total loans | $42,287,500 | 5,738 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9144% | 1,012 |
| Cost of funding earning assets | 2.1026% | 423 |
| Net interest margin | 3.8118% | 3,898 |
| Noninterest income to average assets | 1.0436% | 1,376 |
| Noninterest expense to average assets | 3.8551% | 1,382 |
| Loan and lease loss provision to assets | 1.1650% | 1,356 |
| Net operating income to assets | -0.5608% | 6,425 |
| Return on assets (ROA) | -0.8335% | 6,622 |
| Pretax return on assets | -0.8335% | 6,534 |
| Return on Equity (ROE) | -22.2711% | 7,078 |
| Retained earnings to average equity (ytd only) | -22.2711% | 7,056 |
| Net charge-offs to loans | 7.0919% | 52 |
| Credit loss provision to net charge-offs | 49.2175% | 6,272 |
| Earnings coverage of net charge-offs (x) | 0.2553% | 5,855 |
| Efficiency ratio | 86.4509% | 1,643 |
| Assets per employee ($millions) | 4.5326% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5036% | 1,405 |
| Loan loss allowance to noncurrent loans | 12.8408% | 7,045 |
| Noncurrent assets plus other real estate owned to assets | 8.5713% | 546 |
| Noncurrent loans to loans | 19.4974% | 76 |
| Net loans and leases to total assets | 31.1589% | 7,314 |
| Net loans and leases to deposits | 34.5376% | 7,383 |
| Net loans and leases to core deposits | 34.6934% | 7,409 |
| Total domestic deposits to total assets | 90.2175% | 976 |
| Equity capital to assets | 3.5425% | 7,530 |
| Core capital (leverage) ratio | 5.6176% | 7,351 |
| Tier 1 risk-based capital ratio | 6.4097% | 7,462 |
| Total risk-based capital ratio | 7.2333% | 7,481 |
| Memoranda: | ||
| Average total assets | $156,571,600 | 3,764 |
| Average earning assets | $140,302,200 | 3,812 |
| Average equity | $5,859,600 | 6,410 |
| Average total loans | $52,257,000 | 5,395 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8805% | 1,180 |
| Cost of funding earning assets | 2.1891% | 395 |
| Net interest margin | 3.6914% | 4,450 |
| Noninterest income to average assets | 1.0825% | 1,220 |
| Noninterest expense to average assets | 3.7348% | 1,501 |
| Loan and lease loss provision to assets | 0.3751% | 3,641 |
| Net operating income to assets | 0.2869% | 5,218 |
| Return on assets (ROA) | 0.3726% | 5,059 |
| Pretax return on assets | 0.3726% | 5,303 |
| Return on Equity (ROE) | 9.8468% | 2,184 |
| Retained earnings to average equity (ytd only) | 9.8468% | 829 |
| Net charge-offs to loans | 4.4878% | 227 |
| Credit loss provision to net charge-offs | 24.8227% | 6,205 |
| Earnings coverage of net charge-offs (x) | 0.4381% | 5,586 |
| Efficiency ratio | 84.9428% | 1,737 |
| Assets per employee ($millions) | 4.6881% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3968% | 580 |
| Loan loss allowance to noncurrent loans | 14.7804% | 7,081 |
| Noncurrent assets plus other real estate owned to assets | 8.9149% | 516 |
| Noncurrent loans to loans | 22.9821% | 48 |
| Net loans and leases to total assets | 30.1797% | 7,460 |
| Net loans and leases to deposits | 35.2387% | 7,488 |
| Net loans and leases to core deposits | 38.3732% | 7,452 |
| Total domestic deposits to total assets | 85.6437% | 3,270 |
| Equity capital to assets | 4.7454% | 7,596 |
| Core capital (leverage) ratio | 6.3197% | 7,380 |
| Tier 1 risk-based capital ratio | 7.4566% | 7,521 |
| Total risk-based capital ratio | 8.6285% | 7,530 |
| Memoranda: | ||
| Average total assets | $161,720,250 | 3,725 |
| Average earning assets | $145,198,250 | 3,763 |
| Average equity | $6,120,250 | 6,411 |
| Average total loans | $54,457,000 | 5,370 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8114% | 1,397 |
| Cost of funding earning assets | 2.2010% | 467 |
| Net interest margin | 3.6104% | 4,770 |
| Noninterest income to average assets | 0.8658% | 1,815 |
| Noninterest expense to average assets | 3.3329% | 2,452 |
| Loan and lease loss provision to assets | 0.5132% | 2,750 |
| Net operating income to assets | 0.2584% | 5,341 |
| Return on assets (ROA) | -0.1244% | 6,329 |
| Pretax return on assets | -0.1244% | 6,268 |
| Return on Equity (ROE) | -3.5595% | 6,574 |
| Retained earnings to average equity (ytd only) | -3.5595% | 6,379 |
| Net charge-offs to loans | 4.7555% | 230 |
| Credit loss provision to net charge-offs | 31.3653% | 5,713 |
| Earnings coverage of net charge-offs (x) | 0.4716% | 5,244 |
| Efficiency ratio | 81.2004% | 2,271 |
| Assets per employee ($millions) | 4.4582% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8724% | 410 |
| Loan loss allowance to noncurrent loans | 16.8136% | 7,077 |
| Noncurrent assets plus other real estate owned to assets | 9.8987% | 416 |
| Noncurrent loans to loans | 23.0315% | 42 |
| Net loans and leases to total assets | 31.5522% | 7,492 |
| Net loans and leases to deposits | 37.3523% | 7,508 |
| Net loans and leases to core deposits | 45.9486% | 7,355 |
| Total domestic deposits to total assets | 84.4719% | 3,884 |
| Equity capital to assets | 3.1010% | 7,750 |
| Core capital (leverage) ratio | 5.4684% | 7,557 |
| Tier 1 risk-based capital ratio | 6.1068% | 7,657 |
| Total risk-based capital ratio | 7.3583% | 7,661 |
| Memoranda: | ||
| Average total assets | $165,621,000 | 3,679 |
| Average earning assets | $148,569,330 | 3,726 |
| Average equity | $5,787,330 | 6,537 |
| Average total loans | $56,987,000 | 5,310 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0105% | 962 |
| Cost of funding earning assets | 2.1319% | 733 |
| Net interest margin | 3.8786% | 3,415 |
| Noninterest income to average assets | 0.9180% | 1,562 |
| Noninterest expense to average assets | 3.1466% | 3,071 |
| Loan and lease loss provision to assets | 0.3568% | 3,235 |
| Net operating income to assets | 0.9109% | 2,503 |
| Return on assets (ROA) | 1.2486% | 1,480 |
| Pretax return on assets | 1.2486% | 2,206 |
| Return on Equity (ROE) | 33.9120% | 57 |
| Retained earnings to average equity (ytd only) | 33.9120% | 43 |
| Net charge-offs to loans | 7.2843% | 119 |
| Credit loss provision to net charge-offs | 13.9276% | 5,009 |
| Earnings coverage of net charge-offs (x) | 0.4949% | 4,587 |
| Efficiency ratio | 71.2823% | 4,073 |
| Assets per employee ($millions) | 4.5338% | 2,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5281% | 535 |
| Loan loss allowance to noncurrent loans | 15.1378% | 7,198 |
| Noncurrent assets plus other real estate owned to assets | 9.8512% | 410 |
| Noncurrent loans to loans | 23.3063% | 46 |
| Net loans and leases to total assets | 34.2266% | 7,486 |
| Net loans and leases to deposits | 38.8882% | 7,551 |
| Net loans and leases to core deposits | 51.7049% | 7,218 |
| Total domestic deposits to total assets | 88.0130% | 2,048 |
| Equity capital to assets | 3.0952% | 7,844 |
| Core capital (leverage) ratio | 5.5740% | 7,640 |
| Tier 1 risk-based capital ratio | 6.1501% | 7,742 |
| Total risk-based capital ratio | 7.4011% | 7,745 |
| Memoranda: | ||
| Average total assets | $168,183,500 | 3,690 |
| Average earning assets | $151,602,500 | 3,732 |
| Average equity | $6,192,500 | 6,458 |
| Average total loans | $59,140,500 | 5,284 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7122% | 452 |
| Cost of funding earning assets | 1.8172% | 3,898 |
| Net interest margin | 4.8950% | 562 |
| Noninterest income to average assets | 0.7323% | 2,776 |
| Noninterest expense to average assets | 3.1510% | 3,545 |
| Loan and lease loss provision to assets | 1.5518% | 1,482 |
| Net operating income to assets | 0.4990% | 3,736 |
| Return on assets (ROA) | -4.4535% | 7,672 |
| Pretax return on assets | -4.4535% | 7,630 |
| Return on Equity (ROE) | -89.2296% | 7,896 |
| Retained earnings to average equity (ytd only) | -89.2296% | 7,894 |
| Net charge-offs to loans | 3.5885% | 530 |
| Credit loss provision to net charge-offs | 128.7033% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.7009% | 4,463 |
| Efficiency ratio | 60.5750% | 6,394 |
| Assets per employee ($millions) | 4.8097% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9193% | 183 |
| Loan loss allowance to noncurrent loans | 25.3694% | 6,772 |
| Noncurrent assets plus other real estate owned to assets | 8.3090% | 524 |
| Noncurrent loans to loans | 19.3908% | 76 |
| Net loans and leases to total assets | 33.1529% | 7,624 |
| Net loans and leases to deposits | 37.9541% | 7,679 |
| Net loans and leases to core deposits | 44.3754% | 7,697 |
| Total domestic deposits to total assets | 87.3502% | 2,299 |
| Equity capital to assets | 4.2351% | 7,842 |
| Core capital (leverage) ratio | 4.5916% | 7,797 |
| Tier 1 risk-based capital ratio | 5.7921% | 7,828 |
| Total risk-based capital ratio | 7.0503% | 7,833 |
| Memoranda: | ||
| Average total assets | $206,603,400 | 3,099 |
| Average earning assets | $188,642,200 | 3,105 |
| Average equity | $10,311,600 | 5,213 |
| Average total loans | $69,415,800 | 4,881 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7340% | 478 |
| Cost of funding earning assets | 1.7415% | 4,687 |
| Net interest margin | 4.9925% | 450 |
| Noninterest income to average assets | 0.7238% | 2,858 |
| Noninterest expense to average assets | 2.9139% | 4,395 |
| Loan and lease loss provision to assets | 1.0079% | 1,909 |
| Net operating income to assets | 1.8489% | 402 |
| Return on assets (ROA) | 0.8578% | 2,650 |
| Pretax return on assets | 0.3752% | 4,865 |
| Return on Equity (ROE) | 16.6779% | 581 |
| Retained earnings to average equity (ytd only) | 16.6779% | 112 |
| Net charge-offs to loans | 3.2572% | 495 |
| Credit loss provision to net charge-offs | 92.8041% | 5,408 |
| Earnings coverage of net charge-offs (x) | 2.1862% | 4,184 |
| Efficiency ratio | 55.1020% | 7,107 |
| Assets per employee ($millions) | 5.1911% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2430% | 536 |
| Loan loss allowance to noncurrent loans | 19.3177% | 7,124 |
| Noncurrent assets plus other real estate owned to assets | 6.6470% | 748 |
| Noncurrent loans to loans | 16.7878% | 108 |
| Net loans and leases to total assets | 31.3755% | 7,772 |
| Net loans and leases to deposits | 37.8799% | 7,783 |
| Net loans and leases to core deposits | 42.9535% | 7,813 |
| Total domestic deposits to total assets | 82.8289% | 4,312 |
| Equity capital to assets | 7.0052% | 7,597 |
| Core capital (leverage) ratio | 8.3753% | 5,698 |
| Tier 1 risk-based capital ratio | 9.2885% | 7,496 |
| Total risk-based capital ratio | 10.4222% | 7,551 |
| Memoranda: | ||
| Average total assets | $214,967,000 | 3,026 |
| Average earning assets | $196,528,750 | 3,035 |
| Average equity | $11,056,250 | 5,056 |
| Average total loans | $71,676,250 | 4,853 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7882% | 462 |
| Cost of funding earning assets | 1.6599% | 5,472 |
| Net interest margin | 5.1284% | 340 |
| Noninterest income to average assets | 0.8141% | 2,343 |
| Noninterest expense to average assets | 2.8156% | 4,893 |
| Loan and lease loss provision to assets | 1.0724% | 1,592 |
| Net operating income to assets | 1.2318% | 1,400 |
| Return on assets (ROA) | 0.7712% | 3,070 |
| Pretax return on assets | 1.0094% | 2,975 |
| Return on Equity (ROE) | 16.8758% | 594 |
| Retained earnings to average equity (ytd only) | 16.8758% | 139 |
| Net charge-offs to loans | 2.5894% | 655 |
| Credit loss provision to net charge-offs | 123.1656% | 3,776 |
| Earnings coverage of net charge-offs (x) | 3.0870% | 3,577 |
| Efficiency ratio | 51.1609% | 7,580 |
| Assets per employee ($millions) | 5.1452% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5104% | 376 |
| Loan loss allowance to noncurrent loans | 21.1968% | 7,064 |
| Noncurrent assets plus other real estate owned to assets | 6.9146% | 627 |
| Noncurrent loans to loans | 16.5608% | 101 |
| Net loans and leases to total assets | 33.9166% | 7,779 |
| Net loans and leases to deposits | 41.5931% | 7,769 |
| Net loans and leases to core deposits | 43.3894% | 7,883 |
| Total domestic deposits to total assets | 81.5437% | 4,884 |
| Equity capital to assets | 5.9548% | 7,937 |
| Core capital (leverage) ratio | 7.7761% | 6,639 |
| Tier 1 risk-based capital ratio | 9.7748% | 7,161 |
| Total risk-based capital ratio | 11.0273% | 7,103 |
| Memoranda: | ||
| Average total assets | $219,139,000 | 2,991 |
| Average earning assets | $200,376,330 | 2,996 |
| Average equity | $10,014,330 | 5,356 |
| Average total loans | $73,685,330 | 4,819 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7467% | 537 |
| Cost of funding earning assets | 1.5531% | 6,224 |
| Net interest margin | 5.1936% | 283 |
| Noninterest income to average assets | 0.8285% | 2,183 |
| Noninterest expense to average assets | 2.5327% | 5,723 |
| Loan and lease loss provision to assets | 1.4012% | 909 |
| Net operating income to assets | 1.6622% | 701 |
| Return on assets (ROA) | 1.7830% | 603 |
| Pretax return on assets | 1.7830% | 1,010 |
| Return on Equity (ROE) | 45.0094% | 31 |
| Retained earnings to average equity (ytd only) | 45.0094% | 21 |
| Net charge-offs to loans | 0.7972% | 1,620 |
| Credit loss provision to net charge-offs | 533.3333% | 1,033 |
| Earnings coverage of net charge-offs (x) | 11.6600% | 1,862 |
| Efficiency ratio | 45.2582% | 7,879 |
| Assets per employee ($millions) | 5.5870% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7914% | 264 |
| Loan loss allowance to noncurrent loans | 21.2945% | 7,096 |
| Noncurrent assets plus other real estate owned to assets | 6.9590% | 493 |
| Noncurrent loans to loans | 17.8045% | 55 |
| Net loans and leases to total assets | 32.9856% | 7,833 |
| Net loans and leases to deposits | 37.4427% | 7,912 |
| Net loans and leases to core deposits | 38.0299% | 8,004 |
| Total domestic deposits to total assets | 88.0964% | 1,698 |
| Equity capital to assets | 2.7833% | 8,205 |
| Core capital (leverage) ratio | 7.2204% | 7,461 |
| Tier 1 risk-based capital ratio | 9.1745% | 7,686 |
| Total risk-based capital ratio | 10.4281% | 7,674 |
| Memoranda: | ||
| Average total assets | $228,377,000 | 2,890 |
| Average earning assets | $209,643,500 | 2,886 |
| Average equity | $9,047,000 | 5,692 |
| Average total loans | $75,261,000 | 4,796 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8796% | 1,466 |
| Cost of funding earning assets | 1.9447% | 6,596 |
| Net interest margin | 4.9349% | 589 |
| Noninterest income to average assets | 0.7216% | 2,973 |
| Noninterest expense to average assets | 2.7282% | 5,137 |
| Loan and lease loss provision to assets | 0.8858% | 1,686 |
| Net operating income to assets | 1.6819% | 704 |
| Return on assets (ROA) | 1.8984% | 421 |
| Pretax return on assets | 1.8984% | 768 |
| Return on Equity (ROE) | 35.0961% | 28 |
| Retained earnings to average equity (ytd only) | 5.1652% | 1,923 |
| Net charge-offs to loans | 0.8892% | 1,391 |
| Credit loss provision to net charge-offs | 306.4000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 8.8816% | 2,800 |
| Efficiency ratio | 51.5154% | 7,541 |
| Assets per employee ($millions) | 5.9814% | 1,146 |
| Cash dividends to net income (ytd only)* | 85.2827% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0514% | 414 |
| Loan loss allowance to noncurrent loans | 29.7768% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 4.1590% | 961 |
| Noncurrent loans to loans | 10.2475% | 200 |
| Net loans and leases to total assets | 30.7131% | 7,971 |
| Net loans and leases to deposits | 36.5073% | 8,013 |
| Net loans and leases to core deposits | 37.0004% | 8,096 |
| Total domestic deposits to total assets | 84.1286% | 3,255 |
| Equity capital to assets | 5.0901% | 8,178 |
| Core capital (leverage) ratio | 7.3900% | 7,316 |
| Tier 1 risk-based capital ratio | 9.0365% | 7,756 |
| Total risk-based capital ratio | 10.2868% | 7,739 |
| Memoranda: | ||
| Average total assets | $216,186,400 | 2,922 |
| Average earning assets | $200,388,600 | 2,891 |
| Average equity | $11,693,600 | 4,915 |
| Average total loans | $70,284,000 | 4,856 |