Home > Spring Bank > Performance and Condition Ratios
Spring Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7727% | 268 |
| Cost of funding earning assets | 1.9461% | 997 |
| Net interest margin | 4.8266% | 403 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.2927% | 2,870 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | 1.8142% | 597 |
| Return on assets (ROA) | 1.8142% | 578 |
| Pretax return on assets | 2.3488% | 402 |
| Return on Equity (ROE) | 13.7500% | 1,542 |
| Retained earnings to average equity (ytd only) | 6.8305% | 1,943 |
| Net charge-offs to loans | 0.0535% | 1,330 |
| Credit loss provision to net charge-offs | 1,065.8730% | 390 |
| Earnings coverage of net charge-offs (x) | 82.1111% | 1,009 |
| Efficiency ratio | 45.9287% | 4,196 |
| Assets per employee ($millions) | 9.5517% | 813 |
| Cash dividends to net income (ytd only)* | 50.3307% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 1,951 |
| Loan loss allowance to noncurrent loans | 52.7483% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.5370% | 240 |
| Noncurrent loans to loans | 2.3942% | 208 |
| Net loans and leases to total assets | 63.3900% | 2,523 |
| Net loans and leases to deposits | 82.8762% | 1,878 |
| Net loans and leases to core deposits | 98.4902% | 1,521 |
| Total domestic deposits to total assets | 76.4900% | 3,895 |
| Equity capital to assets | 16.3845% | 431 |
| Core capital (leverage) ratio | 17.7259% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $383,305,800 | 2,066 |
| Average earning assets | $375,566,000 | 1,991 |
| Average equity | $50,567,000 | 1,593 |
| Average total loans | $235,425,800 | 2,079 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5833% | 285 |
| Cost of funding earning assets | 1.7966% | 1,010 |
| Net interest margin | 4.7867% | 417 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.2472% | 2,949 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.8332% | 623 |
| Return on assets (ROA) | 1.8332% | 616 |
| Pretax return on assets | 2.4339% | 411 |
| Return on Equity (ROE) | 14.8800% | 1,465 |
| Retained earnings to average equity (ytd only) | 9.8478% | 1,446 |
| Net charge-offs to loans | 0.0502% | 1,174 |
| Credit loss provision to net charge-offs | 563.9535% | 582 |
| Earnings coverage of net charge-offs (x) | 85.5465% | 1,003 |
| Efficiency ratio | 46.3071% | 4,117 |
| Assets per employee ($millions) | 9.6272% | 762 |
| Cash dividends to net income (ytd only)* | 33.8099% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,279 |
| Loan loss allowance to noncurrent loans | 44.0645% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.4104% | 276 |
| Noncurrent loans to loans | 2.3065% | 223 |
| Net loans and leases to total assets | 60.5300% | 2,790 |
| Net loans and leases to deposits | 74.9135% | 2,501 |
| Net loans and leases to core deposits | 99.5720% | 1,338 |
| Total domestic deposits to total assets | 80.8000% | 3,416 |
| Equity capital to assets | 11.9144% | 1,059 |
| Core capital (leverage) ratio | 13.8449% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $376,451,250 | 2,099 |
| Average earning assets | $368,762,250 | 2,013 |
| Average equity | $46,385,000 | 1,684 |
| Average total loans | $228,361,250 | 2,107 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4497% | 274 |
| Cost of funding earning assets | 1.5789% | 1,112 |
| Net interest margin | 4.8708% | 364 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.2617% | 2,915 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.9218% | 538 |
| Return on assets (ROA) | 1.9218% | 534 |
| Pretax return on assets | 2.5504% | 333 |
| Return on Equity (ROE) | 15.4100% | 1,386 |
| Retained earnings to average equity (ytd only) | 11.2605% | 1,134 |
| Net charge-offs to loans | 0.0432% | 1,072 |
| Credit loss provision to net charge-offs | 620.8333% | 562 |
| Earnings coverage of net charge-offs (x) | 103.7500% | 913 |
| Efficiency ratio | 45.4665% | 4,189 |
| Assets per employee ($millions) | 9.2120% | 847 |
| Cash dividends to net income (ytd only)* | 26.9274% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 3,371 |
| Loan loss allowance to noncurrent loans | 41.3618% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.5504% | 226 |
| Noncurrent loans to loans | 2.4510% | 187 |
| Net loans and leases to total assets | 62.6100% | 2,519 |
| Net loans and leases to deposits | 73.1234% | 2,571 |
| Net loans and leases to core deposits | 98.3126% | 1,330 |
| Total domestic deposits to total assets | 85.6300% | 2,352 |
| Equity capital to assets | 13.2369% | 765 |
| Core capital (leverage) ratio | 14.3337% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $367,154,333 | 2,139 |
| Average earning assets | $359,735,333 | 2,045 |
| Average equity | $45,788,333 | 1,702 |
| Average total loans | $222,061,000 | 2,143 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2370% | 236 |
| Cost of funding earning assets | 1.2752% | 1,285 |
| Net interest margin | 4.9618% | 311 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.0977% | 3,388 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 2.0912% | 433 |
| Return on assets (ROA) | 2.0912% | 427 |
| Pretax return on assets | 2.7548% | 264 |
| Return on Equity (ROE) | 17.3000% | 1,127 |
| Retained earnings to average equity (ytd only) | 17.3022% | 570 |
| Net charge-offs to loans | 0.0185% | 1,312 |
| Credit loss provision to net charge-offs | 1,540.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 267.8000% | 406 |
| Efficiency ratio | 41.7826% | 4,393 |
| Assets per employee ($millions) | 9.7717% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 3,497 |
| Loan loss allowance to noncurrent loans | 50.6394% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.1695% | 317 |
| Noncurrent loans to loans | 1.9845% | 282 |
| Net loans and leases to total assets | 58.3400% | 2,838 |
| Net loans and leases to deposits | 68.3422% | 2,744 |
| Net loans and leases to core deposits | 90.7536% | 1,578 |
| Total domestic deposits to total assets | 85.3700% | 2,756 |
| Equity capital to assets | 13.2336% | 711 |
| Core capital (leverage) ratio | 15.2386% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $366,492,500 | 2,170 |
| Average earning assets | $359,147,000 | 2,076 |
| Average equity | $44,295,000 | 1,759 |
| Average total loans | $216,549,000 | 2,193 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9558% | 322 |
| Cost of funding earning assets | 0.6584% | 697 |
| Net interest margin | 4.2974% | 427 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.2910% | 2,766 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.5435% | 790 |
| Return on assets (ROA) | 1.5435% | 764 |
| Pretax return on assets | 2.0784% | 394 |
| Return on Equity (ROE) | 14.5400% | 1,389 |
| Retained earnings to average equity (ytd only) | 5.9579% | 2,662 |
| Net charge-offs to loans | 0.0551% | 1,112 |
| Credit loss provision to net charge-offs | 384.6154% | 794 |
| Earnings coverage of net charge-offs (x) | 62.3333% | 1,227 |
| Efficiency ratio | 50.8425% | 4,076 |
| Assets per employee ($millions) | 8.7972% | 975 |
| Cash dividends to net income (ytd only)* | 59.0319% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 3,359 |
| Loan loss allowance to noncurrent loans | 31.1959% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.9057% | 130 |
| Noncurrent loans to loans | 3.2163% | 128 |
| Net loans and leases to total assets | 58.6600% | 2,765 |
| Net loans and leases to deposits | 67.2560% | 2,790 |
| Net loans and leases to core deposits | 79.2750% | 2,178 |
| Total domestic deposits to total assets | 87.2200% | 2,320 |
| Equity capital to assets | 10.8435% | 1,322 |
| Core capital (leverage) ratio | 12.3210% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $329,250,800 | 2,303 |
| Average earning assets | $321,848,000 | 2,228 |
| Average equity | $34,945,200 | 2,113 |
| Average total loans | $212,478,600 | 2,152 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5803% | 443 |
| Cost of funding earning assets | 0.5422% | 601 |
| Net interest margin | 4.0381% | 594 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.4792% | 2,072 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.3251% | 1,278 |
| Return on assets (ROA) | 1.3251% | 1,252 |
| Pretax return on assets | 1.6881% | 923 |
| Return on Equity (ROE) | 12.5600% | 1,852 |
| Retained earnings to average equity (ytd only) | 7.0917% | 2,333 |
| Net charge-offs to loans | 0.0537% | 947 |
| Credit loss provision to net charge-offs | 219.7674% | 939 |
| Earnings coverage of net charge-offs (x) | 49.8372% | 1,286 |
| Efficiency ratio | 58.4005% | 3,337 |
| Assets per employee ($millions) | 8.9013% | 931 |
| Cash dividends to net income (ytd only)* | 43.5323% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 3,830 |
| Loan loss allowance to noncurrent loans | 24.8731% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 2.1564% | 116 |
| Noncurrent loans to loans | 3.6485% | 111 |
| Net loans and leases to total assets | 58.5700% | 2,639 |
| Net loans and leases to deposits | 69.7095% | 2,391 |
| Net loans and leases to core deposits | 84.4307% | 1,622 |
| Total domestic deposits to total assets | 84.0200% | 3,506 |
| Equity capital to assets | 11.0465% | 1,158 |
| Core capital (leverage) ratio | 12.3474% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $323,591,500 | 2,352 |
| Average earning assets | $316,247,500 | 2,269 |
| Average equity | $34,142,250 | 2,183 |
| Average total loans | $213,472,750 | 2,145 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 745 |
| Cost of funding earning assets | 0.4874% | 556 |
| Net interest margin | 3.6280% | 1,026 |
| Noninterest income to average assets | 0.3877% | 2,828 |
| Noninterest expense to average assets | 2.6155% | 1,593 |
| Loan and lease loss provision to assets | 0.0950% | 1,048 |
| Net operating income to assets | 0.9571% | 2,327 |
| Return on assets (ROA) | 0.9571% | 2,300 |
| Pretax return on assets | 1.2181% | 2,012 |
| Return on Equity (ROE) | 9.2302% | 2,620 |
| Retained earnings to average equity (ytd only) | 7.7030% | 1,727 |
| Net charge-offs to loans | 0.0481% | 913 |
| Credit loss provision to net charge-offs | 288.4615% | 815 |
| Earnings coverage of net charge-offs (x) | 39.8654% | 1,262 |
| Efficiency ratio | 66.5753% | 2,432 |
| Assets per employee ($millions) | 9.6169% | 732 |
| Cash dividends to net income (ytd only)* | 16.5453% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 4,065 |
| Loan loss allowance to noncurrent loans | 31.8034% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.6410% | 202 |
| Noncurrent loans to loans | 2.7077% | 202 |
| Net loans and leases to total assets | 60.0820% | 2,318 |
| Net loans and leases to deposits | 73.6015% | 1,906 |
| Net loans and leases to core deposits | 89.5488% | 1,146 |
| Total domestic deposits to total assets | 81.6315% | 4,060 |
| Equity capital to assets | 10.9947% | 1,213 |
| Core capital (leverage) ratio | 14.8343% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,738,667 | 2,405 |
| Average earning assets | $308,157,000 | 2,335 |
| Average equity | $32,740,333 | 2,285 |
| Average total loans | $216,236,000 | 2,138 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 544 |
| Cost of funding earning assets | 0.5229% | 444 |
| Net interest margin | 3.6546% | 814 |
| Noninterest income to average assets | 0.4396% | 2,445 |
| Noninterest expense to average assets | 2.9666% | 861 |
| Loan and lease loss provision to assets | 0.2029% | 356 |
| Net operating income to assets | 0.6547% | 3,217 |
| Return on assets (ROA) | 0.6547% | 3,197 |
| Pretax return on assets | 0.8346% | 2,997 |
| Return on Equity (ROE) | 6.5517% | 3,182 |
| Retained earnings to average equity (ytd only) | 6.5517% | 2,056 |
| Net charge-offs to loans | 0.0351% | 949 |
| Credit loss provision to net charge-offs | 789.4737% | 395 |
| Earnings coverage of net charge-offs (x) | 40.3684% | 1,002 |
| Efficiency ratio | 74.0878% | 1,733 |
| Assets per employee ($millions) | 7.9375% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 4,066 |
| Loan loss allowance to noncurrent loans | 22.9425% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.8050% | 72 |
| Noncurrent loans to loans | 3.8830% | 108 |
| Net loans and leases to total assets | 71.5941% | 869 |
| Net loans and leases to deposits | 93.3565% | 388 |
| Net loans and leases to core deposits | 120.4303% | 145 |
| Total domestic deposits to total assets | 76.6889% | 4,475 |
| Equity capital to assets | 9.9697% | 1,913 |
| Core capital (leverage) ratio | 11.6277% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,694,500 | 2,517 |
| Average earning assets | $288,403,000 | 2,453 |
| Average equity | $29,549,500 | 2,509 |
| Average total loans | $216,531,500 | 2,123 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 1,118 |
| Cost of funding earning assets | 0.5654% | 650 |
| Net interest margin | 3.5589% | 1,581 |
| Noninterest income to average assets | 0.8915% | 1,228 |
| Noninterest expense to average assets | 2.1249% | 3,323 |
| Loan and lease loss provision to assets | 0.0744% | 1,619 |
| Net operating income to assets | 1.6695% | 679 |
| Return on assets (ROA) | 1.6695% | 714 |
| Pretax return on assets | 2.1695% | 439 |
| Return on Equity (ROE) | 19.1450% | 368 |
| Retained earnings to average equity (ytd only) | 9.8127% | 966 |
| Net charge-offs to loans | 0.1475% | 646 |
| Credit loss provision to net charge-offs | 67.1196% | 2,030 |
| Earnings coverage of net charge-offs (x) | 20.2310% | 1,857 |
| Efficiency ratio | 48.6375% | 4,371 |
| Assets per employee ($millions) | 8.7559% | 993 |
| Cash dividends to net income (ytd only)* | 48.7453% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 4,272 |
| Loan loss allowance to noncurrent loans | 20.3001% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 2.9106% | 77 |
| Noncurrent loans to loans | 3.9224% | 108 |
| Net loans and leases to total assets | 73.6144% | 694 |
| Net loans and leases to deposits | 95.4179% | 337 |
| Net loans and leases to core deposits | 122.7112% | 143 |
| Total domestic deposits to total assets | 77.1495% | 4,458 |
| Equity capital to assets | 10.0165% | 2,641 |
| Core capital (leverage) ratio | 11.1658% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,785,800 | 2,287 |
| Average earning assets | $324,169,200 | 2,211 |
| Average equity | $28,931,800 | 2,600 |
| Average total loans | $249,526,800 | 1,931 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8553% | 1,899 |
| Cost of funding earning assets | 0.5677% | 753 |
| Net interest margin | 3.2876% | 2,452 |
| Noninterest income to average assets | 0.7213% | 1,760 |
| Noninterest expense to average assets | 2.0138% | 3,627 |
| Loan and lease loss provision to assets | 0.0752% | 1,547 |
| Net operating income to assets | 1.4214% | 1,471 |
| Return on assets (ROA) | 1.4214% | 1,538 |
| Pretax return on assets | 1.8453% | 1,058 |
| Return on Equity (ROE) | 16.8485% | 786 |
| Retained earnings to average equity (ytd only) | 15.4553% | 338 |
| Net charge-offs to loans | 0.1839% | 468 |
| Credit loss provision to net charge-offs | 54.2373% | 1,836 |
| Earnings coverage of net charge-offs (x) | 13.8475% | 1,909 |
| Efficiency ratio | 51.1850% | 4,108 |
| Assets per employee ($millions) | 9.8876% | 659 |
| Cash dividends to net income (ytd only)* | 8.2690% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6663% | 4,555 |
| Loan loss allowance to noncurrent loans | 41.3279% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.2366% | 470 |
| Noncurrent loans to loans | 1.6122% | 636 |
| Net loans and leases to total assets | 76.1869% | 538 |
| Net loans and leases to deposits | 109.6713% | 97 |
| Net loans and leases to core deposits | 140.6767% | 79 |
| Total domestic deposits to total assets | 69.4685% | 4,746 |
| Equity capital to assets | 9.1077% | 3,735 |
| Core capital (leverage) ratio | 11.3173% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,307,250 | 2,266 |
| Average earning assets | $332,590,250 | 2,196 |
| Average equity | $28,710,000 | 2,640 |
| Average total loans | $256,681,250 | 1,926 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 2,122 |
| Cost of funding earning assets | 0.5632% | 897 |
| Net interest margin | 3.2152% | 2,710 |
| Noninterest income to average assets | -0.0345% | 4,934 |
| Noninterest expense to average assets | 1.9784% | 3,766 |
| Loan and lease loss provision to assets | 0.0029% | 2,819 |
| Net operating income to assets | 0.8599% | 3,337 |
| Return on assets (ROA) | 0.8599% | 3,412 |
| Pretax return on assets | 1.1250% | 3,132 |
| Return on Equity (ROE) | 10.4652% | 2,594 |
| Retained earnings to average equity (ytd only) | 8.3280% | 1,969 |
| Net charge-offs to loans | 0.0047% | 1,980 |
| Credit loss provision to net charge-offs | 83.3333% | 1,474 |
| Earnings coverage of net charge-offs (x) | 321.1667% | 357 |
| Efficiency ratio | 63.6895% | 2,471 |
| Assets per employee ($millions) | 9.8526% | 637 |
| Cash dividends to net income (ytd only)* | 20.4221% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 4,553 |
| Loan loss allowance to noncurrent loans | 52.2235% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.0144% | 735 |
| Noncurrent loans to loans | 1.3179% | 892 |
| Net loans and leases to total assets | 76.4429% | 553 |
| Net loans and leases to deposits | 114.9353% | 75 |
| Net loans and leases to core deposits | 147.2115% | 74 |
| Total domestic deposits to total assets | 66.5095% | 4,811 |
| Equity capital to assets | 8.0402% | 4,509 |
| Core capital (leverage) ratio | 10.8305% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $341,684,000 | 2,244 |
| Average earning assets | $333,784,333 | 2,175 |
| Average equity | $28,074,000 | 2,669 |
| Average total loans | $256,294,667 | 1,932 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 2,221 |
| Cost of funding earning assets | 0.5893% | 918 |
| Net interest margin | 3.1679% | 2,794 |
| Noninterest income to average assets | -0.1575% | 4,964 |
| Noninterest expense to average assets | 1.8951% | 3,993 |
| Loan and lease loss provision to assets | 0.0060% | 2,689 |
| Net operating income to assets | 0.7572% | 3,554 |
| Return on assets (ROA) | 0.7506% | 3,645 |
| Pretax return on assets | 1.0251% | 3,305 |
| Return on Equity (ROE) | 9.0335% | 3,026 |
| Retained earnings to average equity (ytd only) | 9.0335% | 1,946 |
| Net charge-offs to loans | 0.0065% | 1,667 |
| Credit loss provision to net charge-offs | 125.0000% | 1,033 |
| Earnings coverage of net charge-offs (x) | 217.7500% | 377 |
| Efficiency ratio | 64.5791% | 2,400 |
| Assets per employee ($millions) | 9.3394% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7141% | 4,549 |
| Loan loss allowance to noncurrent loans | 57.8947% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.0594% | 769 |
| Noncurrent loans to loans | 1.2334% | 1,066 |
| Net loans and leases to total assets | 77.7851% | 478 |
| Net loans and leases to deposits | 113.3446% | 110 |
| Net loans and leases to core deposits | 142.9245% | 87 |
| Total domestic deposits to total assets | 68.6271% | 4,794 |
| Equity capital to assets | 8.3484% | 4,233 |
| Core capital (leverage) ratio | 10.9165% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $335,180,000 | 2,257 |
| Average earning assets | $327,161,500 | 2,186 |
| Average equity | $27,852,000 | 2,681 |
| Average total loans | $247,934,000 | 1,976 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 1,632 |
| Cost of funding earning assets | 0.8639% | 975 |
| Net interest margin | 3.5205% | 2,410 |
| Noninterest income to average assets | 0.0977% | 4,750 |
| Noninterest expense to average assets | 2.3912% | 3,157 |
| Loan and lease loss provision to assets | 0.2442% | 1,589 |
| Net operating income to assets | 0.7091% | 3,408 |
| Return on assets (ROA) | 0.7091% | 3,540 |
| Pretax return on assets | 0.9067% | 3,348 |
| Return on Equity (ROE) | 7.5305% | 2,988 |
| Retained earnings to average equity (ytd only) | 4.1333% | 2,743 |
| Net charge-offs to loans | 0.0871% | 1,594 |
| Credit loss provision to net charge-offs | 392.5714% | 1,453 |
| Earnings coverage of net charge-offs (x) | 18.5029% | 2,022 |
| Efficiency ratio | 67.5095% | 2,295 |
| Assets per employee ($millions) | 10.4419% | 463 |
| Cash dividends to net income (ytd only)* | 45.1128% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8087% | 4,409 |
| Loan loss allowance to noncurrent loans | 52.8238% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.2207% | 703 |
| Noncurrent loans to loans | 1.5310% | 866 |
| Net loans and leases to total assets | 69.0064% | 1,686 |
| Net loans and leases to deposits | 106.4317% | 222 |
| Net loans and leases to core deposits | 137.6889% | 139 |
| Total domestic deposits to total assets | 64.8363% | 4,866 |
| Equity capital to assets | 8.2705% | 4,587 |
| Core capital (leverage) ratio | 11.1141% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,361,600 | 2,394 |
| Average earning assets | $275,274,200 | 2,318 |
| Average equity | $26,492,400 | 2,712 |
| Average total loans | $200,821,600 | 2,228 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 1,432 |
| Cost of funding earning assets | 0.9315% | 957 |
| Net interest margin | 3.6264% | 2,170 |
| Noninterest income to average assets | -0.0005% | 5,000 |
| Noninterest expense to average assets | 2.4725% | 2,927 |
| Loan and lease loss provision to assets | 0.3073% | 1,302 |
| Net operating income to assets | 0.4728% | 4,108 |
| Return on assets (ROA) | 0.4728% | 4,184 |
| Pretax return on assets | 0.7697% | 3,730 |
| Return on Equity (ROE) | 4.8383% | 3,937 |
| Retained earnings to average equity (ytd only) | 4.8383% | 2,636 |
| Net charge-offs to loans | 0.1182% | 1,181 |
| Credit loss provision to net charge-offs | 361.4035% | 1,572 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 2,240 |
| Efficiency ratio | 69.6596% | 1,935 |
| Assets per employee ($millions) | 9.8475% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 4,419 |
| Loan loss allowance to noncurrent loans | 62.4785% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.0540% | 1,028 |
| Noncurrent loans to loans | 1.2414% | 1,224 |
| Net loans and leases to total assets | 71.4530% | 1,752 |
| Net loans and leases to deposits | 113.0726% | 182 |
| Net loans and leases to core deposits | 150.1316% | 114 |
| Total domestic deposits to total assets | 63.1921% | 4,900 |
| Equity capital to assets | 8.2753% | 4,587 |
| Core capital (leverage) ratio | 10.7623% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,167,000 | 2,449 |
| Average earning assets | $262,510,750 | 2,361 |
| Average equity | $26,206,750 | 2,715 |
| Average total loans | $192,912,500 | 2,295 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8101% | 1,148 |
| Cost of funding earning assets | 1.0118% | 957 |
| Net interest margin | 3.7983% | 1,839 |
| Noninterest income to average assets | -0.0706% | 5,041 |
| Noninterest expense to average assets | 2.5574% | 2,802 |
| Loan and lease loss provision to assets | 0.4855% | 754 |
| Net operating income to assets | 0.3146% | 4,390 |
| Return on assets (ROA) | 0.3146% | 4,440 |
| Pretax return on assets | 0.6067% | 4,049 |
| Return on Equity (ROE) | 3.0179% | 4,351 |
| Retained earnings to average equity (ytd only) | 3.0179% | 3,381 |
| Net charge-offs to loans | 0.1741% | 856 |
| Credit loss provision to net charge-offs | 387.8205% | 1,432 |
| Earnings coverage of net charge-offs (x) | 8.7244% | 2,268 |
| Efficiency ratio | 70.0748% | 1,945 |
| Assets per employee ($millions) | 11.0155% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7730% | 4,404 |
| Loan loss allowance to noncurrent loans | 62.5473% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.0030% | 1,199 |
| Noncurrent loans to loans | 1.2358% | 1,260 |
| Net loans and leases to total assets | 68.3037% | 2,300 |
| Net loans and leases to deposits | 104.9183% | 347 |
| Net loans and leases to core deposits | 140.1544% | 167 |
| Total domestic deposits to total assets | 65.1018% | 4,901 |
| Equity capital to assets | 7.7401% | 4,820 |
| Core capital (leverage) ratio | 10.3827% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,234,000 | 2,545 |
| Average earning assets | $244,111,667 | 2,461 |
| Average equity | $25,978,333 | 2,717 |
| Average total loans | $179,212,333 | 2,412 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6630% | 269 |
| Cost of funding earning assets | 1.2419% | 669 |
| Net interest margin | 4.4211% | 600 |
| Noninterest income to average assets | 0.1379% | 4,676 |
| Noninterest expense to average assets | 3.3243% | 1,179 |
| Loan and lease loss provision to assets | 0.0315% | 3,378 |
| Net operating income to assets | 0.8350% | 2,772 |
| Return on assets (ROA) | 0.8350% | 2,860 |
| Pretax return on assets | 1.1009% | 2,520 |
| Return on Equity (ROE) | 6.5859% | 3,102 |
| Retained earnings to average equity (ytd only) | 6.5859% | 1,685 |
| Net charge-offs to loans | 0.3331% | 436 |
| Credit loss provision to net charge-offs | 12.6984% | 2,222 |
| Earnings coverage of net charge-offs (x) | 4.5635% | 2,125 |
| Efficiency ratio | 74.5913% | 1,737 |
| Assets per employee ($millions) | 5.5946% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 4,397 |
| Loan loss allowance to noncurrent loans | 72.2158% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.1694% | 1,078 |
| Noncurrent loans to loans | 1.1170% | 1,482 |
| Net loans and leases to total assets | 72.7658% | 1,810 |
| Net loans and leases to deposits | 85.7677% | 2,032 |
| Net loans and leases to core deposits | 116.7642% | 563 |
| Total domestic deposits to total assets | 84.8405% | 2,472 |
| Equity capital to assets | 12.2224% | 1,902 |
| Core capital (leverage) ratio | 12.9971% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,110,000 | 2,843 |
| Average earning assets | $198,411,500 | 2,757 |
| Average equity | $25,752,000 | 2,726 |
| Average total loans | $151,287,500 | 2,629 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2436% | 154 |
| Cost of funding earning assets | 1.4668% | 436 |
| Net interest margin | 4.7767% | 413 |
| Noninterest income to average assets | 0.3933% | 3,339 |
| Noninterest expense to average assets | 3.2909% | 1,317 |
| Loan and lease loss provision to assets | -0.3391% | 5,151 |
| Net operating income to assets | 1.6591% | 726 |
| Return on assets (ROA) | 1.6591% | 774 |
| Pretax return on assets | 2.1277% | 443 |
| Return on Equity (ROE) | 13.0324% | 1,155 |
| Retained earnings to average equity (ytd only) | 6.4149% | 1,655 |
| Net charge-offs to loans | -0.3891% | 5,106 |
| Credit loss provision to net charge-offs | 114.5907% | 2,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7870% | 2,972 |
| Assets per employee ($millions) | 5.2332% | 2,311 |
| Cash dividends to net income (ytd only)* | 50.7775% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 3,828 |
| Loan loss allowance to noncurrent loans | 52.9207% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3350% | 812 |
| Noncurrent loans to loans | 1.7630% | 773 |
| Net loans and leases to total assets | 75.0174% | 1,583 |
| Net loans and leases to deposits | 88.2542% | 1,811 |
| Net loans and leases to core deposits | 112.8441% | 721 |
| Total domestic deposits to total assets | 85.0016% | 2,491 |
| Equity capital to assets | 13.1800% | 1,423 |
| Core capital (leverage) ratio | 12.9696% | 1,249 |
| Tier 1 risk-based capital ratio | 19.2813% | 1,462 |
| Total risk-based capital ratio | 20.3208% | 1,474 |
| Memoranda: | ||
| Average total assets | $189,919,800 | 2,919 |
| Average earning assets | $186,319,200 | 2,829 |
| Average equity | $24,178,200 | 2,777 |
| Average total loans | $144,436,000 | 2,671 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2572% | 158 |
| Cost of funding earning assets | 1.4904% | 419 |
| Net interest margin | 4.7668% | 443 |
| Noninterest income to average assets | 0.3027% | 3,928 |
| Noninterest expense to average assets | 3.2635% | 1,345 |
| Loan and lease loss provision to assets | -0.4367% | 5,240 |
| Net operating income to assets | 1.6621% | 806 |
| Return on assets (ROA) | 1.6621% | 848 |
| Pretax return on assets | 2.1531% | 497 |
| Return on Equity (ROE) | 13.1749% | 1,213 |
| Retained earnings to average equity (ytd only) | 6.4644% | 2,135 |
| Net charge-offs to loans | -0.5810% | 5,198 |
| Credit loss provision to net charge-offs | 98.7241% | 2,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5334% | 2,792 |
| Assets per employee ($millions) | 5.2217% | 2,315 |
| Cash dividends to net income (ytd only)* | 50.9339% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 3,528 |
| Loan loss allowance to noncurrent loans | 83.6489% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.9022% | 1,501 |
| Noncurrent loans to loans | 1.2042% | 1,302 |
| Net loans and leases to total assets | 74.1643% | 1,779 |
| Net loans and leases to deposits | 85.2523% | 2,289 |
| Net loans and leases to core deposits | 112.4746% | 821 |
| Total domestic deposits to total assets | 86.9939% | 1,521 |
| Equity capital to assets | 12.6288% | 1,826 |
| Core capital (leverage) ratio | 12.4737% | 1,584 |
| Tier 1 risk-based capital ratio | 18.8195% | 1,604 |
| Total risk-based capital ratio | 19.9577% | 1,607 |
| Memoranda: | ||
| Average total assets | $188,993,000 | 2,954 |
| Average earning assets | $185,446,250 | 2,864 |
| Average equity | $23,842,750 | 2,818 |
| Average total loans | $143,889,500 | 2,706 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2204% | 164 |
| Cost of funding earning assets | 1.4749% | 411 |
| Net interest margin | 4.7455% | 451 |
| Noninterest income to average assets | 0.4211% | 3,126 |
| Noninterest expense to average assets | 3.2859% | 1,308 |
| Loan and lease loss provision to assets | -0.7197% | 5,297 |
| Net operating income to assets | 1.9500% | 424 |
| Return on assets (ROA) | 1.9500% | 446 |
| Pretax return on assets | 2.5097% | 235 |
| Return on Equity (ROE) | 15.4624% | 675 |
| Retained earnings to average equity (ytd only) | 10.3900% | 655 |
| Net charge-offs to loans | -0.8941% | 5,253 |
| Credit loss provision to net charge-offs | 105.1402% | 1,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7343% | 3,013 |
| Assets per employee ($millions) | 5.6975% | 1,793 |
| Cash dividends to net income (ytd only)* | 32.8048% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,593 |
| Loan loss allowance to noncurrent loans | 50.1948% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.4573% | 783 |
| Noncurrent loans to loans | 2.0012% | 715 |
| Net loans and leases to total assets | 72.0889% | 2,207 |
| Net loans and leases to deposits | 82.8038% | 2,644 |
| Net loans and leases to core deposits | 107.8264% | 1,112 |
| Total domestic deposits to total assets | 87.0599% | 1,573 |
| Equity capital to assets | 12.6010% | 1,798 |
| Core capital (leverage) ratio | 12.6527% | 1,458 |
| Tier 1 risk-based capital ratio | 19.5044% | 1,435 |
| Total risk-based capital ratio | 20.6474% | 1,429 |
| Memoranda: | ||
| Average total assets | $187,590,000 | 2,974 |
| Average earning assets | $184,007,000 | 2,880 |
| Average equity | $23,657,330 | 2,826 |
| Average total loans | $143,604,330 | 2,722 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1994% | 159 |
| Cost of funding earning assets | 1.4398% | 396 |
| Net interest margin | 4.7596% | 436 |
| Noninterest income to average assets | 0.6481% | 1,827 |
| Noninterest expense to average assets | 3.3036% | 1,279 |
| Loan and lease loss provision to assets | -1.4632% | 5,359 |
| Net operating income to assets | 2.7075% | 117 |
| Return on assets (ROA) | 2.7075% | 127 |
| Pretax return on assets | 3.4727% | 90 |
| Return on Equity (ROE) | 21.4596% | 194 |
| Retained earnings to average equity (ytd only) | 21.4596% | 79 |
| Net charge-offs to loans | -1.8112% | 5,322 |
| Credit loss provision to net charge-offs | 102.8963% | 1,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1787% | 3,506 |
| Assets per employee ($millions) | 5.1947% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 3,812 |
| Loan loss allowance to noncurrent loans | 36.9863% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 2.0689% | 453 |
| Noncurrent loans to loans | 2.6567% | 469 |
| Net loans and leases to total assets | 77.1082% | 1,302 |
| Net loans and leases to deposits | 88.9525% | 1,750 |
| Net loans and leases to core deposits | 116.5516% | 631 |
| Total domestic deposits to total assets | 86.6847% | 1,971 |
| Equity capital to assets | 12.8603% | 1,537 |
| Core capital (leverage) ratio | 13.2903% | 1,151 |
| Tier 1 risk-based capital ratio | 19.3014% | 1,482 |
| Total risk-based capital ratio | 20.4426% | 1,474 |
| Memoranda: | ||
| Average total assets | $184,527,500 | 3,038 |
| Average earning assets | $180,855,500 | 2,942 |
| Average equity | $23,281,000 | 2,858 |
| Average total loans | $144,874,500 | 2,741 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4059% | 99 |
| Cost of funding earning assets | 1.2147% | 319 |
| Net interest margin | 5.1913% | 190 |
| Noninterest income to average assets | 0.3118% | 4,031 |
| Noninterest expense to average assets | 3.1845% | 1,591 |
| Loan and lease loss provision to assets | 0.0039% | 4,030 |
| Net operating income to assets | 1.7018% | 694 |
| Return on assets (ROA) | 1.7018% | 683 |
| Pretax return on assets | 2.2056% | 353 |
| Return on Equity (ROE) | 14.1664% | 1,006 |
| Retained earnings to average equity (ytd only) | 6.8168% | 1,744 |
| Net charge-offs to loans | 0.0547% | 2,363 |
| Credit loss provision to net charge-offs | 8.8608% | 3,434 |
| Earnings coverage of net charge-offs (x) | 50.6835% | 1,126 |
| Efficiency ratio | 59.0384% | 4,007 |
| Assets per employee ($millions) | 5.0568% | 2,426 |
| Cash dividends to net income (ytd only)* | 51.8807% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 3,646 |
| Loan loss allowance to noncurrent loans | 763.1579% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 4,307 |
| Noncurrent loans to loans | 0.1318% | 4,145 |
| Net loans and leases to total assets | 78.3696% | 1,207 |
| Net loans and leases to deposits | 89.8373% | 1,822 |
| Net loans and leases to core deposits | 118.2142% | 613 |
| Total domestic deposits to total assets | 87.2350% | 1,670 |
| Equity capital to assets | 12.3662% | 1,655 |
| Core capital (leverage) ratio | 12.5295% | 1,438 |
| Tier 1 risk-based capital ratio | 18.2452% | 1,678 |
| Total risk-based capital ratio | 19.3979% | 1,666 |
| Memoranda: | ||
| Average total assets | $181,220,200 | 3,041 |
| Average earning assets | $177,413,800 | 2,951 |
| Average equity | $21,769,800 | 2,912 |
| Average total loans | $144,543,600 | 2,719 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2946% | 109 |
| Cost of funding earning assets | 1.1679% | 300 |
| Net interest margin | 5.1267% | 207 |
| Noninterest income to average assets | 0.4059% | 3,446 |
| Noninterest expense to average assets | 3.1164% | 1,719 |
| Loan and lease loss provision to assets | 0.0052% | 3,872 |
| Net operating income to assets | 1.7980% | 603 |
| Return on assets (ROA) | 1.7980% | 608 |
| Pretax return on assets | 2.3025% | 339 |
| Return on Equity (ROE) | 15.0785% | 856 |
| Retained earnings to average equity (ytd only) | 10.1368% | 879 |
| Net charge-offs to loans | 0.0452% | 2,196 |
| Credit loss provision to net charge-offs | 14.2857% | 3,040 |
| Earnings coverage of net charge-offs (x) | 63.9405% | 1,016 |
| Efficiency ratio | 57.4552% | 4,189 |
| Assets per employee ($millions) | 5.0580% | 2,399 |
| Cash dividends to net income (ytd only)* | 32.7734% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 3,416 |
| Loan loss allowance to noncurrent loans | 611.5702% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 4,265 |
| Noncurrent loans to loans | 0.1733% | 4,112 |
| Net loans and leases to total assets | 78.0507% | 1,336 |
| Net loans and leases to deposits | 89.6454% | 1,947 |
| Net loans and leases to core deposits | 115.4490% | 741 |
| Total domestic deposits to total assets | 87.0661% | 1,700 |
| Equity capital to assets | 12.5825% | 1,533 |
| Core capital (leverage) ratio | 12.8362% | 1,351 |
| Tier 1 risk-based capital ratio | 18.2270% | 1,734 |
| Total risk-based capital ratio | 19.4029% | 1,705 |
| Memoranda: | ||
| Average total assets | $181,014,000 | 3,064 |
| Average earning assets | $177,184,500 | 2,975 |
| Average equity | $21,584,250 | 2,944 |
| Average total loans | $144,650,000 | 2,730 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3113% | 94 |
| Cost of funding earning assets | 1.1383% | 247 |
| Net interest margin | 5.1730% | 178 |
| Noninterest income to average assets | 0.2600% | 4,449 |
| Noninterest expense to average assets | 3.0668% | 1,866 |
| Loan and lease loss provision to assets | 0.0077% | 3,686 |
| Net operating income to assets | 1.7484% | 658 |
| Return on assets (ROA) | 1.7484% | 659 |
| Pretax return on assets | 2.2496% | 355 |
| Return on Equity (ROE) | 14.9293% | 865 |
| Retained earnings to average equity (ytd only) | 11.1829% | 635 |
| Net charge-offs to loans | 0.0355% | 2,142 |
| Credit loss provision to net charge-offs | 26.9231% | 2,645 |
| Earnings coverage of net charge-offs (x) | 79.1538% | 827 |
| Efficiency ratio | 57.6020% | 4,297 |
| Assets per employee ($millions) | 5.2591% | 2,142 |
| Cash dividends to net income (ytd only)* | 25.0941% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 3,436 |
| Loan loss allowance to noncurrent loans | 621.0744% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 4,320 |
| Noncurrent loans to loans | 0.1723% | 4,137 |
| Net loans and leases to total assets | 77.7102% | 1,362 |
| Net loans and leases to deposits | 88.9253% | 1,995 |
| Net loans and leases to core deposits | 114.5448% | 768 |
| Total domestic deposits to total assets | 87.3881% | 1,691 |
| Equity capital to assets | 12.2869% | 1,673 |
| Core capital (leverage) ratio | 12.4943% | 1,442 |
| Tier 1 risk-based capital ratio | 18.1804% | 1,755 |
| Total risk-based capital ratio | 19.3951% | 1,718 |
| Memoranda: | ||
| Average total assets | $182,341,670 | 3,072 |
| Average earning assets | $178,504,000 | 2,975 |
| Average equity | $21,354,000 | 2,982 |
| Average total loans | $146,315,330 | 2,714 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3469% | 87 |
| Cost of funding earning assets | 1.0852% | 245 |
| Net interest margin | 5.2617% | 148 |
| Noninterest income to average assets | 0.3389% | 3,885 |
| Noninterest expense to average assets | 3.0134% | 2,032 |
| Loan and lease loss provision to assets | 0.0152% | 3,333 |
| Net operating income to assets | 1.9032% | 449 |
| Return on assets (ROA) | 1.9032% | 450 |
| Pretax return on assets | 2.4616% | 234 |
| Return on Equity (ROE) | 16.6492% | 544 |
| Retained earnings to average equity (ytd only) | 16.6492% | 213 |
| Net charge-offs to loans | 0.0536% | 1,570 |
| Credit loss provision to net charge-offs | 35.0000% | 2,040 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 868 |
| Efficiency ratio | 54.8872% | 4,699 |
| Assets per employee ($millions) | 5.1627% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 3,692 |
| Loan loss allowance to noncurrent loans | 618.4426% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 4,416 |
| Noncurrent loans to loans | 0.1691% | 4,219 |
| Net loans and leases to total assets | 79.0276% | 1,076 |
| Net loans and leases to deposits | 90.2278% | 1,664 |
| Net loans and leases to core deposits | 117.2117% | 683 |
| Total domestic deposits to total assets | 87.5868% | 1,853 |
| Equity capital to assets | 12.0180% | 1,771 |
| Core capital (leverage) ratio | 11.6800% | 1,872 |
| Tier 1 risk-based capital ratio | 16.9786% | 2,122 |
| Total risk-based capital ratio | 18.1564% | 2,093 |
| Memoranda: | ||
| Average total assets | $184,108,500 | 3,091 |
| Average earning assets | $180,245,500 | 2,989 |
| Average equity | $21,046,000 | 3,042 |
| Average total loans | $149,245,500 | 2,697 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3383% | 90 |
| Cost of funding earning assets | 0.9709% | 256 |
| Net interest margin | 5.3675% | 127 |
| Noninterest income to average assets | 0.3866% | 3,724 |
| Noninterest expense to average assets | 3.1387% | 1,752 |
| Loan and lease loss provision to assets | 0.7417% | 161 |
| Net operating income to assets | 0.9240% | 2,576 |
| Return on assets (ROA) | 0.9240% | 2,603 |
| Pretax return on assets | 1.7496% | 896 |
| Return on Equity (ROE) | 8.0896% | 2,757 |
| Retained earnings to average equity (ytd only) | 8.0896% | 732 |
| Net charge-offs to loans | 0.5644% | 410 |
| Credit loss provision to net charge-offs | 160.6557% | 1,662 |
| Earnings coverage of net charge-offs (x) | 5.3960% | 3,335 |
| Efficiency ratio | 55.7497% | 4,786 |
| Assets per employee ($millions) | 5.5154% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 4,020 |
| Loan loss allowance to noncurrent loans | 628.9256% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 4,483 |
| Noncurrent loans to loans | 0.1570% | 4,303 |
| Net loans and leases to total assets | 81.4096% | 757 |
| Net loans and leases to deposits | 91.7533% | 1,561 |
| Net loans and leases to core deposits | 118.2649% | 644 |
| Total domestic deposits to total assets | 88.7267% | 1,130 |
| Equity capital to assets | 10.8659% | 2,768 |
| Core capital (leverage) ratio | 11.1549% | 2,192 |
| Tier 1 risk-based capital ratio | 14.6950% | 2,995 |
| Total risk-based capital ratio | 15.7931% | 2,990 |
| Memoranda: | ||
| Average total assets | $171,758,200 | 3,226 |
| Average earning assets | $167,788,400 | 3,104 |
| Average equity | $19,617,800 | 3,186 |
| Average total loans | $140,508,000 | 2,773 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4682% | 75 |
| Cost of funding earning assets | 0.9599% | 238 |
| Net interest margin | 5.5083% | 103 |
| Noninterest income to average assets | 0.2058% | 4,976 |
| Noninterest expense to average assets | 3.1287% | 1,726 |
| Loan and lease loss provision to assets | 0.3615% | 407 |
| Net operating income to assets | 1.3062% | 1,308 |
| Return on assets (ROA) | 1.3062% | 1,349 |
| Pretax return on assets | 2.0951% | 453 |
| Return on Equity (ROE) | 11.2823% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.2823% | 376 |
| Net charge-offs to loans | 0.0331% | 2,772 |
| Credit loss provision to net charge-offs | 1,338.2353% | 275 |
| Earnings coverage of net charge-offs (x) | 90.9455% | 736 |
| Efficiency ratio | 56.0171% | 4,733 |
| Assets per employee ($millions) | 4.9289% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 3,910 |
| Loan loss allowance to noncurrent loans | 201.1004% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 3,395 |
| Noncurrent loans to loans | 0.5116% | 3,170 |
| Net loans and leases to total assets | 79.2546% | 1,090 |
| Net loans and leases to deposits | 89.8589% | 1,827 |
| Net loans and leases to core deposits | 113.8676% | 847 |
| Total domestic deposits to total assets | 88.1990% | 1,260 |
| Equity capital to assets | 11.3806% | 2,483 |
| Core capital (leverage) ratio | 11.5907% | 1,958 |
| Tier 1 risk-based capital ratio | 15.6349% | 2,660 |
| Total risk-based capital ratio | 16.7794% | 2,643 |
| Memoranda: | ||
| Average total assets | $167,817,250 | 3,300 |
| Average earning assets | $163,894,500 | 3,185 |
| Average equity | $19,428,250 | 3,232 |
| Average total loans | $137,089,250 | 2,840 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6348% | 68 |
| Cost of funding earning assets | 0.9510% | 224 |
| Net interest margin | 5.6837% | 88 |
| Noninterest income to average assets | 0.2466% | 4,762 |
| Noninterest expense to average assets | 3.0740% | 1,902 |
| Loan and lease loss provision to assets | 0.3852% | 357 |
| Net operating income to assets | 1.4471% | 958 |
| Return on assets (ROA) | 1.4471% | 986 |
| Pretax return on assets | 2.3352% | 277 |
| Return on Equity (ROE) | 12.4237% | 1,182 |
| Retained earnings to average equity (ytd only) | 12.4237% | 283 |
| Net charge-offs to loans | 0.0103% | 3,094 |
| Credit loss provision to net charge-offs | 4,528.5714% | 103 |
| Earnings coverage of net charge-offs (x) | 319.8571% | 263 |
| Efficiency ratio | 53.0510% | 5,092 |
| Assets per employee ($millions) | 4.7737% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 4,343 |
| Loan loss allowance to noncurrent loans | 185.8322% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 3,426 |
| Noncurrent loans to loans | 0.5197% | 3,195 |
| Net loans and leases to total assets | 80.6083% | 865 |
| Net loans and leases to deposits | 91.5657% | 1,551 |
| Net loans and leases to core deposits | 108.3876% | 1,083 |
| Total domestic deposits to total assets | 88.0333% | 1,443 |
| Equity capital to assets | 11.5483% | 2,282 |
| Core capital (leverage) ratio | 11.8266% | 1,747 |
| Tier 1 risk-based capital ratio | 15.8554% | 2,563 |
| Total risk-based capital ratio | 16.9560% | 2,555 |
| Memoranda: | ||
| Average total assets | $164,609,000 | 3,346 |
| Average earning assets | $160,668,670 | 3,233 |
| Average equity | $19,173,000 | 3,253 |
| Average total loans | $135,421,330 | 2,864 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8260% | 66 |
| Cost of funding earning assets | 0.9500% | 213 |
| Net interest margin | 5.8760% | 83 |
| Noninterest income to average assets | 0.2013% | 5,062 |
| Noninterest expense to average assets | 3.1083% | 1,844 |
| Loan and lease loss provision to assets | 0.5938% | 163 |
| Net operating income to assets | 1.3243% | 1,180 |
| Return on assets (ROA) | 1.3243% | 1,213 |
| Pretax return on assets | 2.2312% | 336 |
| Return on Equity (ROE) | 11.3185% | 1,457 |
| Retained earnings to average equity (ytd only) | 11.3185% | 559 |
| Net charge-offs to loans | -0.0030% | 4,062 |
| Credit loss provision to net charge-offs | -23,900.0000% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3869% | 5,247 |
| Assets per employee ($millions) | 4.4724% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 4,525 |
| Loan loss allowance to noncurrent loans | 61.8542% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 1.2863% | 1,324 |
| Noncurrent loans to loans | 1.5434% | 1,275 |
| Net loans and leases to total assets | 82.5484% | 510 |
| Net loans and leases to deposits | 94.1948% | 1,086 |
| Net loans and leases to core deposits | 112.8837% | 733 |
| Total domestic deposits to total assets | 87.6358% | 1,923 |
| Equity capital to assets | 11.8878% | 1,919 |
| Core capital (leverage) ratio | 11.7561% | 1,783 |
| Tier 1 risk-based capital ratio | 17.1043% | 2,146 |
| Total risk-based capital ratio | 18.2709% | 2,128 |
| Memoranda: | ||
| Average total assets | $160,987,500 | 3,411 |
| Average earning assets | $157,046,000 | 3,311 |
| Average equity | $18,836,500 | 3,306 |
| Average total loans | $133,193,000 | 2,919 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5760% | 225 |
| Cost of funding earning assets | 0.9277% | 253 |
| Net interest margin | 4.6483% | 457 |
| Noninterest income to average assets | 0.6659% | 2,339 |
| Noninterest expense to average assets | 3.2106% | 1,766 |
| Loan and lease loss provision to assets | 0.1457% | 1,712 |
| Net operating income to assets | 1.1868% | 1,549 |
| Return on assets (ROA) | 1.1868% | 1,645 |
| Pretax return on assets | 1.8399% | 714 |
| Return on Equity (ROE) | 10.0164% | 1,952 |
| Retained earnings to average equity (ytd only) | 10.0164% | 405 |
| Net charge-offs to loans | 0.0154% | 3,780 |
| Credit loss provision to net charge-offs | 1,142.1053% | 345 |
| Earnings coverage of net charge-offs (x) | 155.6842% | 415 |
| Efficiency ratio | 61.7879% | 4,291 |
| Assets per employee ($millions) | 4.5991% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 5,140 |
| Loan loss allowance to noncurrent loans | 34.0641% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 1.8985% | 756 |
| Noncurrent loans to loans | 2.3117% | 717 |
| Net loans and leases to total assets | 81.4792% | 671 |
| Net loans and leases to deposits | 92.4618% | 1,381 |
| Net loans and leases to core deposits | 110.9413% | 835 |
| Total domestic deposits to total assets | 88.1220% | 1,580 |
| Equity capital to assets | 11.5133% | 2,160 |
| Core capital (leverage) ratio | 11.5810% | 1,872 |
| Tier 1 risk-based capital ratio | 16.6532% | 2,291 |
| Total risk-based capital ratio | 17.5991% | 2,341 |
| Memoranda: | ||
| Average total assets | $148,974,600 | 3,539 |
| Average earning assets | $145,193,600 | 3,431 |
| Average equity | $17,651,000 | 3,464 |
| Average total loans | $123,474,000 | 3,021 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6154% | 215 |
| Cost of funding earning assets | 0.9154% | 268 |
| Net interest margin | 4.7000% | 430 |
| Noninterest income to average assets | 0.7197% | 2,083 |
| Noninterest expense to average assets | 3.2142% | 1,742 |
| Loan and lease loss provision to assets | 0.1945% | 1,108 |
| Net operating income to assets | 1.2203% | 1,561 |
| Return on assets (ROA) | 1.2203% | 1,659 |
| Pretax return on assets | 1.8879% | 726 |
| Return on Equity (ROE) | 10.2194% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.2194% | 533 |
| Net charge-offs to loans | 0.0143% | 3,456 |
| Credit loss provision to net charge-offs | 1,638.4615% | 287 |
| Earnings coverage of net charge-offs (x) | 175.4137% | 409 |
| Efficiency ratio | 60.6829% | 4,444 |
| Assets per employee ($millions) | 4.2478% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 5,207 |
| Loan loss allowance to noncurrent loans | 45.3281% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.4640% | 1,235 |
| Noncurrent loans to loans | 1.7469% | 1,192 |
| Net loans and leases to total assets | 83.1444% | 495 |
| Net loans and leases to deposits | 94.3299% | 1,230 |
| Net loans and leases to core deposits | 110.0307% | 909 |
| Total domestic deposits to total assets | 88.1421% | 1,332 |
| Equity capital to assets | 11.5175% | 2,497 |
| Core capital (leverage) ratio | 11.9990% | 1,679 |
| Tier 1 risk-based capital ratio | 16.1163% | 2,578 |
| Total risk-based capital ratio | 17.0687% | 2,636 |
| Memoranda: | ||
| Average total assets | $145,975,750 | 3,593 |
| Average earning assets | $142,154,000 | 3,491 |
| Average equity | $17,430,500 | 3,520 |
| Average total loans | $121,293,000 | 3,049 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6879% | 191 |
| Cost of funding earning assets | 0.9263% | 254 |
| Net interest margin | 4.7616% | 394 |
| Noninterest income to average assets | 0.9659% | 1,202 |
| Noninterest expense to average assets | 3.2550% | 1,683 |
| Loan and lease loss provision to assets | 0.2995% | 604 |
| Net operating income to assets | 1.3175% | 1,230 |
| Return on assets (ROA) | 1.3175% | 1,322 |
| Pretax return on assets | 2.0444% | 524 |
| Return on Equity (ROE) | 10.8911% | 1,688 |
| Retained earnings to average equity (ytd only) | 10.8911% | 451 |
| Net charge-offs to loans | 0.0119% | 3,306 |
| Credit loss provision to net charge-offs | 3,042.8571% | 141 |
| Earnings coverage of net charge-offs (x) | 238.1429% | 276 |
| Efficiency ratio | 58.1366% | 4,885 |
| Assets per employee ($millions) | 4.0020% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 5,072 |
| Loan loss allowance to noncurrent loans | 45.5889% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 1.5971% | 1,160 |
| Noncurrent loans to loans | 1.8997% | 1,066 |
| Net loans and leases to total assets | 83.3432% | 479 |
| Net loans and leases to deposits | 95.3968% | 1,150 |
| Net loans and leases to core deposits | 112.9002% | 774 |
| Total domestic deposits to total assets | 87.3647% | 1,731 |
| Equity capital to assets | 12.2653% | 1,929 |
| Core capital (leverage) ratio | 12.3696% | 1,423 |
| Tier 1 risk-based capital ratio | 17.0516% | 2,197 |
| Total risk-based capital ratio | 18.0906% | 2,235 |
| Memoranda: | ||
| Average total assets | $142,244,330 | 3,672 |
| Average earning assets | $138,398,000 | 3,555 |
| Average equity | $17,206,670 | 3,560 |
| Average total loans | $117,817,000 | 3,114 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6864% | 189 |
| Cost of funding earning assets | 0.9487% | 227 |
| Net interest margin | 4.7377% | 403 |
| Noninterest income to average assets | 1.6189% | 451 |
| Noninterest expense to average assets | 3.1897% | 1,857 |
| Loan and lease loss provision to assets | 0.2972% | 532 |
| Net operating income to assets | 1.6755% | 607 |
| Return on assets (ROA) | 1.6755% | 644 |
| Pretax return on assets | 2.7397% | 161 |
| Return on Equity (ROE) | 13.9503% | 842 |
| Retained earnings to average equity (ytd only) | 13.9503% | 321 |
| Net charge-offs to loans | 0.0138% | 2,666 |
| Credit loss provision to net charge-offs | 2,625.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 268.2500% | 227 |
| Efficiency ratio | 51.2273% | 5,554 |
| Assets per employee ($millions) | 3.9981% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 5,330 |
| Loan loss allowance to noncurrent loans | 45.5818% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 1.4800% | 1,388 |
| Noncurrent loans to loans | 1.7853% | 1,240 |
| Net loans and leases to total assets | 82.2264% | 532 |
| Net loans and leases to deposits | 94.3533% | 1,103 |
| Net loans and leases to core deposits | 111.7802% | 761 |
| Total domestic deposits to total assets | 87.1473% | 2,134 |
| Equity capital to assets | 12.3746% | 1,769 |
| Core capital (leverage) ratio | 11.8658% | 1,699 |
| Tier 1 risk-based capital ratio | 16.9610% | 2,304 |
| Total risk-based capital ratio | 17.9119% | 2,363 |
| Memoranda: | ||
| Average total assets | $141,330,000 | 3,717 |
| Average earning assets | $137,450,000 | 3,593 |
| Average equity | $16,974,500 | 3,593 |
| Average total loans | $116,163,500 | 3,143 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7329% | 190 |
| Cost of funding earning assets | 0.9444% | 230 |
| Net interest margin | 4.7885% | 381 |
| Noninterest income to average assets | 0.8636% | 1,553 |
| Noninterest expense to average assets | 3.5569% | 1,194 |
| Loan and lease loss provision to assets | 0.0310% | 3,749 |
| Net operating income to assets | 1.6483% | 634 |
| Return on assets (ROA) | 1.6483% | 655 |
| Pretax return on assets | 1.9165% | 646 |
| Return on Equity (ROE) | 13.3649% | 981 |
| Retained earnings to average equity (ytd only) | 13.3649% | 192 |
| Net charge-offs to loans | 0.2399% | 1,245 |
| Credit loss provision to net charge-offs | 16.1826% | 3,777 |
| Earnings coverage of net charge-offs (x) | 10.1535% | 2,725 |
| Efficiency ratio | 64.6183% | 4,148 |
| Assets per employee ($millions) | 4.0779% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7247% | 5,595 |
| Loan loss allowance to noncurrent loans | 40.7050% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.4510% | 1,421 |
| Noncurrent loans to loans | 1.7804% | 1,244 |
| Net loans and leases to total assets | 80.9084% | 727 |
| Net loans and leases to deposits | 91.9990% | 1,401 |
| Net loans and leases to core deposits | 108.6779% | 933 |
| Total domestic deposits to total assets | 87.9449% | 1,657 |
| Equity capital to assets | 11.6536% | 2,228 |
| Core capital (leverage) ratio | 11.9541% | 1,648 |
| Tier 1 risk-based capital ratio | 16.2895% | 2,569 |
| Total risk-based capital ratio | 17.1273% | 2,681 |
| Memoranda: | ||
| Average total assets | $125,644,000 | 3,968 |
| Average earning assets | $121,771,600 | 3,845 |
| Average equity | $15,495,800 | 3,759 |
| Average total loans | $100,439,200 | 3,378 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6849% | 203 |
| Cost of funding earning assets | 0.9418% | 233 |
| Net interest margin | 4.7431% | 423 |
| Noninterest income to average assets | 0.9975% | 1,189 |
| Noninterest expense to average assets | 3.6888% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6752% | 659 |
| Return on assets (ROA) | 1.6752% | 680 |
| Pretax return on assets | 1.9004% | 716 |
| Return on Equity (ROE) | 13.3667% | 1,039 |
| Retained earnings to average equity (ytd only) | 13.3667% | 252 |
| Net charge-offs to loans | 0.0097% | 3,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 247.2251% | 287 |
| Efficiency ratio | 65.9984% | 3,892 |
| Assets per employee ($millions) | 3.7223% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 5,041 |
| Loan loss allowance to noncurrent loans | 32.4375% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 2.4562% | 716 |
| Noncurrent loans to loans | 2.8860% | 630 |
| Net loans and leases to total assets | 84.3102% | 365 |
| Net loans and leases to deposits | 96.5211% | 954 |
| Net loans and leases to core deposits | 116.4940% | 568 |
| Total domestic deposits to total assets | 87.3490% | 1,870 |
| Equity capital to assets | 12.2327% | 1,922 |
| Core capital (leverage) ratio | 12.0342% | 1,655 |
| Tier 1 risk-based capital ratio | 16.6626% | 2,495 |
| Total risk-based capital ratio | 17.7692% | 2,528 |
| Memoranda: | ||
| Average total assets | $121,373,000 | 4,092 |
| Average earning assets | $117,500,750 | 3,970 |
| Average equity | $15,211,500 | 3,837 |
| Average total loans | $96,468,500 | 3,480 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6300% | 217 |
| Cost of funding earning assets | 0.9238% | 256 |
| Net interest margin | 4.7062% | 441 |
| Noninterest income to average assets | 1.2871% | 739 |
| Noninterest expense to average assets | 3.8360% | 830 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8141% | 499 |
| Return on assets (ROA) | 1.8141% | 520 |
| Pretax return on assets | 2.0033% | 588 |
| Return on Equity (ROE) | 14.3490% | 841 |
| Retained earnings to average equity (ytd only) | 14.3490% | 220 |
| Net charge-offs to loans | 0.0044% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 593.0000% | 112 |
| Efficiency ratio | 65.6928% | 4,072 |
| Assets per employee ($millions) | 3.2384% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 4,411 |
| Loan loss allowance to noncurrent loans | 32.5938% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 2.6707% | 676 |
| Noncurrent loans to loans | 3.3272% | 546 |
| Net loans and leases to total assets | 79.3959% | 887 |
| Net loans and leases to deposits | 91.5436% | 1,419 |
| Net loans and leases to core deposits | 109.9829% | 837 |
| Total domestic deposits to total assets | 86.7302% | 2,306 |
| Equity capital to assets | 12.8550% | 1,465 |
| Core capital (leverage) ratio | 12.7838% | 1,263 |
| Tier 1 risk-based capital ratio | 18.4664% | 1,928 |
| Total risk-based capital ratio | 19.7166% | 1,899 |
| Memoranda: | ||
| Average total assets | $118,403,330 | 4,181 |
| Average earning assets | $114,528,670 | 4,060 |
| Average equity | $14,969,670 | 3,896 |
| Average total loans | $91,665,000 | 3,602 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8128% | 167 |
| Cost of funding earning assets | 0.8997% | 290 |
| Net interest margin | 4.9131% | 292 |
| Noninterest income to average assets | 1.4478% | 559 |
| Noninterest expense to average assets | 3.8880% | 784 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0800% | 290 |
| Return on assets (ROA) | 2.0800% | 313 |
| Pretax return on assets | 2.3111% | 319 |
| Return on Equity (ROE) | 16.5932% | 509 |
| Retained earnings to average equity (ytd only) | 16.5932% | 197 |
| Net charge-offs to loans | 0.0045% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 680.0000% | 68 |
| Efficiency ratio | 62.7193% | 4,666 |
| Assets per employee ($millions) | 3.2821% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 4,184 |
| Loan loss allowance to noncurrent loans | 32.6250% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 2.7083% | 743 |
| Noncurrent loans to loans | 3.5646% | 528 |
| Net loans and leases to total assets | 75.0946% | 1,335 |
| Net loans and leases to deposits | 86.5065% | 1,771 |
| Net loans and leases to core deposits | 104.6506% | 1,023 |
| Total domestic deposits to total assets | 86.8080% | 2,482 |
| Equity capital to assets | 12.7553% | 1,539 |
| Core capital (leverage) ratio | 12.8687% | 1,205 |
| Tier 1 risk-based capital ratio | 18.7716% | 1,923 |
| Total risk-based capital ratio | 20.0219% | 1,886 |
| Memoranda: | ||
| Average total assets | $117,694,500 | 4,224 |
| Average earning assets | $113,818,500 | 4,103 |
| Average equity | $14,753,000 | 3,956 |
| Average total loans | $89,409,500 | 3,659 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2093% | 121 |
| Cost of funding earning assets | 0.8704% | 459 |
| Net interest margin | 5.3389% | 170 |
| Noninterest income to average assets | 1.4928% | 545 |
| Noninterest expense to average assets | 4.1274% | 661 |
| Loan and lease loss provision to assets | -0.0162% | 5,929 |
| Net operating income to assets | 2.2258% | 214 |
| Return on assets (ROA) | 2.2258% | 217 |
| Pretax return on assets | 2.4673% | 204 |
| Return on Equity (ROE) | 17.8604% | 410 |
| Retained earnings to average equity (ytd only) | 17.8604% | 91 |
| Net charge-offs to loans | 0.4125% | 1,036 |
| Credit loss provision to net charge-offs | -4.8571% | 5,300 |
| Earnings coverage of net charge-offs (x) | 7.3657% | 3,041 |
| Efficiency ratio | 62.7114% | 4,795 |
| Assets per employee ($millions) | 3.3495% | 5,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 4,148 |
| Loan loss allowance to noncurrent loans | 30.2723% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 2.9445% | 700 |
| Noncurrent loans to loans | 3.8766% | 495 |
| Net loans and leases to total assets | 75.0653% | 1,411 |
| Net loans and leases to deposits | 86.0731% | 1,974 |
| Net loans and leases to core deposits | 104.2122% | 1,116 |
| Total domestic deposits to total assets | 87.2110% | 2,164 |
| Equity capital to assets | 12.3130% | 1,763 |
| Core capital (leverage) ratio | 13.0659% | 1,114 |
| Tier 1 risk-based capital ratio | 19.1020% | 1,813 |
| Total risk-based capital ratio | 20.3519% | 1,783 |
| Memoranda: | ||
| Average total assets | $105,174,200 | 4,474 |
| Average earning assets | $100,188,400 | 4,386 |
| Average equity | $13,107,200 | 4,170 |
| Average total loans | $84,849,000 | 3,743 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4940% | 92 |
| Cost of funding earning assets | 0.8707% | 484 |
| Net interest margin | 5.6233% | 114 |
| Noninterest income to average assets | 1.5896% | 506 |
| Noninterest expense to average assets | 4.2743% | 573 |
| Loan and lease loss provision to assets | 0.0392% | 3,626 |
| Net operating income to assets | 2.3597% | 178 |
| Return on assets (ROA) | 2.3597% | 182 |
| Pretax return on assets | 2.6116% | 179 |
| Return on Equity (ROE) | 18.8694% | 365 |
| Retained earnings to average equity (ytd only) | 18.8694% | 89 |
| Net charge-offs to loans | 0.5521% | 688 |
| Credit loss provision to net charge-offs | 8.6455% | 3,722 |
| Earnings coverage of net charge-offs (x) | 5.8530% | 3,185 |
| Efficiency ratio | 61.6849% | 4,935 |
| Assets per employee ($millions) | 3.2877% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 3,827 |
| Loan loss allowance to noncurrent loans | 60.5977% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 1.7176% | 1,748 |
| Noncurrent loans to loans | 2.0919% | 1,498 |
| Net loans and leases to total assets | 81.0659% | 597 |
| Net loans and leases to deposits | 93.9905% | 1,044 |
| Net loans and leases to core deposits | 112.1946% | 653 |
| Total domestic deposits to total assets | 86.2490% | 2,729 |
| Equity capital to assets | 13.1313% | 1,362 |
| Core capital (leverage) ratio | 13.3563% | 1,045 |
| Tier 1 risk-based capital ratio | 19.3337% | 1,816 |
| Total risk-based capital ratio | 20.5855% | 1,792 |
| Memoranda: | ||
| Average total assets | $102,159,250 | 4,594 |
| Average earning assets | $96,928,000 | 4,527 |
| Average equity | $12,775,250 | 4,262 |
| Average total loans | $83,799,500 | 3,802 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4110% | 97 |
| Cost of funding earning assets | 0.8792% | 480 |
| Net interest margin | 5.5319% | 130 |
| Noninterest income to average assets | 1.4138% | 607 |
| Noninterest expense to average assets | 4.4590% | 465 |
| Loan and lease loss provision to assets | 0.0593% | 3,086 |
| Net operating income to assets | 1.9280% | 390 |
| Return on assets (ROA) | 1.9280% | 407 |
| Pretax return on assets | 2.1336% | 419 |
| Return on Equity (ROE) | 15.6895% | 684 |
| Retained earnings to average equity (ytd only) | 15.6895% | 184 |
| Net charge-offs to loans | 0.8850% | 414 |
| Credit loss provision to net charge-offs | 8.1744% | 3,322 |
| Earnings coverage of net charge-offs (x) | 3.0218% | 3,413 |
| Efficiency ratio | 66.9738% | 4,200 |
| Assets per employee ($millions) | 3.1465% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 4,224 |
| Loan loss allowance to noncurrent loans | 119.1796% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8687% | 3,370 |
| Noncurrent loans to loans | 1.0392% | 3,156 |
| Net loans and leases to total assets | 82.5542% | 416 |
| Net loans and leases to deposits | 94.9996% | 879 |
| Net loans and leases to core deposits | 107.0776% | 823 |
| Total domestic deposits to total assets | 86.8995% | 2,513 |
| Equity capital to assets | 12.5091% | 1,634 |
| Core capital (leverage) ratio | 12.4795% | 1,407 |
| Tier 1 risk-based capital ratio | 18.4618% | 2,082 |
| Total risk-based capital ratio | 19.7135% | 2,036 |
| Memoranda: | ||
| Average total assets | $101,143,330 | 4,657 |
| Average earning assets | $95,772,330 | 4,585 |
| Average equity | $12,428,670 | 4,326 |
| Average total loans | $82,938,670 | 3,833 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3777% | 97 |
| Cost of funding earning assets | 0.8819% | 497 |
| Net interest margin | 5.4959% | 129 |
| Noninterest income to average assets | 2.3648% | 259 |
| Noninterest expense to average assets | 5.2066% | 278 |
| Loan and lease loss provision to assets | -0.1283% | 6,516 |
| Net operating income to assets | 2.2325% | 223 |
| Return on assets (ROA) | 2.2325% | 236 |
| Pretax return on assets | 2.4570% | 239 |
| Return on Equity (ROE) | 18.3397% | 412 |
| Retained earnings to average equity (ytd only) | 18.3397% | 166 |
| Net charge-offs to loans | 1.8516% | 148 |
| Credit loss provision to net charge-offs | -8.5333% | 4,664 |
| Earnings coverage of net charge-offs (x) | 1.5493% | 3,072 |
| Efficiency ratio | 68.9894% | 4,004 |
| Assets per employee ($millions) | 3.1439% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 4,474 |
| Loan loss allowance to noncurrent loans | 72.2502% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.3826% | 2,561 |
| Noncurrent loans to loans | 1.7051% | 2,278 |
| Net loans and leases to total assets | 80.0903% | 543 |
| Net loans and leases to deposits | 92.2174% | 935 |
| Net loans and leases to core deposits | 104.3691% | 834 |
| Total domestic deposits to total assets | 86.8494% | 2,913 |
| Equity capital to assets | 12.3852% | 1,634 |
| Core capital (leverage) ratio | 12.4921% | 1,390 |
| Tier 1 risk-based capital ratio | 18.7979% | 2,031 |
| Total risk-based capital ratio | 20.0507% | 1,987 |
| Memoranda: | ||
| Average total assets | $99,797,000 | 4,742 |
| Average earning assets | $93,889,000 | 4,690 |
| Average equity | $12,148,500 | 4,394 |
| Average total loans | $81,010,000 | 3,905 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4351% | 101 |
| Cost of funding earning assets | 0.8989% | 740 |
| Net interest margin | 5.5362% | 126 |
| Noninterest income to average assets | 2.3361% | 313 |
| Noninterest expense to average assets | 5.1496% | 312 |
| Loan and lease loss provision to assets | 0.6732% | 346 |
| Net operating income to assets | 2.2915% | 212 |
| Return on assets (ROA) | 2.2915% | 217 |
| Pretax return on assets | 1.6509% | 1,052 |
| Return on Equity (ROE) | 19.0358% | 334 |
| Retained earnings to average equity (ytd only) | 19.0358% | 93 |
| Net charge-offs to loans | 0.0351% | 4,745 |
| Credit loss provision to net charge-offs | 2,476.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 85.4800% | 530 |
| Efficiency ratio | 67.4622% | 4,295 |
| Assets per employee ($millions) | 2.6050% | 6,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 2,215 |
| Loan loss allowance to noncurrent loans | 77.1585% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.8487% | 1,978 |
| Noncurrent loans to loans | 2.2750% | 1,698 |
| Net loans and leases to total assets | 79.8353% | 610 |
| Net loans and leases to deposits | 92.2525% | 1,027 |
| Net loans and leases to core deposits | 104.6964% | 872 |
| Total domestic deposits to total assets | 86.5401% | 2,976 |
| Equity capital to assets | 11.9578% | 1,835 |
| Core capital (leverage) ratio | 12.0591% | 1,563 |
| Tier 1 risk-based capital ratio | 17.6059% | 2,375 |
| Total risk-based capital ratio | 18.8680% | 2,351 |
| Memoranda: | ||
| Average total assets | $91,949,400 | 4,931 |
| Average earning assets | $85,329,400 | 4,899 |
| Average equity | $11,068,600 | 4,619 |
| Average total loans | $71,184,200 | 4,216 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3326% | 115 |
| Cost of funding earning assets | 0.9053% | 794 |
| Net interest margin | 5.4272% | 150 |
| Noninterest income to average assets | 2.7822% | 257 |
| Noninterest expense to average assets | 5.2067% | 301 |
| Loan and lease loss provision to assets | 0.7968% | 246 |
| Net operating income to assets | 2.6906% | 142 |
| Return on assets (ROA) | 2.6906% | 147 |
| Pretax return on assets | 1.8036% | 903 |
| Return on Equity (ROE) | 22.3106% | 195 |
| Retained earnings to average equity (ytd only) | 22.3106% | 64 |
| Net charge-offs to loans | -0.0019% | 5,684 |
| Credit loss provision to net charge-offs | -53,900.0000% | 6,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5783% | 4,382 |
| Assets per employee ($millions) | 2.4891% | 6,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8581% | 2,117 |
| Loan loss allowance to noncurrent loans | 94.3056% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.5224% | 2,648 |
| Noncurrent loans to loans | 1.9703% | 2,288 |
| Net loans and leases to total assets | 75.8347% | 1,022 |
| Net loans and leases to deposits | 87.4328% | 1,437 |
| Net loans and leases to core deposits | 100.1508% | 1,104 |
| Total domestic deposits to total assets | 86.7348% | 2,832 |
| Equity capital to assets | 12.2893% | 1,722 |
| Core capital (leverage) ratio | 12.3121% | 1,512 |
| Tier 1 risk-based capital ratio | 18.3035% | 2,214 |
| Total risk-based capital ratio | 19.5652% | 2,170 |
| Memoranda: | ||
| Average total assets | $90,189,250 | 5,035 |
| Average earning assets | $83,502,750 | 4,985 |
| Average equity | $10,876,500 | 4,712 |
| Average total loans | $68,870,000 | 4,346 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3626% | 109 |
| Cost of funding earning assets | 0.9250% | 794 |
| Net interest margin | 5.4375% | 148 |
| Noninterest income to average assets | 3.5458% | 205 |
| Noninterest expense to average assets | 5.3379% | 286 |
| Loan and lease loss provision to assets | 1.1744% | 138 |
| Net operating income to assets | 3.4602% | 82 |
| Return on assets (ROA) | 3.4602% | 86 |
| Pretax return on assets | 2.0423% | 555 |
| Return on Equity (ROE) | 28.8878% | 80 |
| Retained earnings to average equity (ytd only) | 28.8878% | 38 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2925% | 5,131 |
| Assets per employee ($millions) | 2.2712% | 6,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9818% | 1,892 |
| Loan loss allowance to noncurrent loans | 127.6454% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 1.2155% | 3,319 |
| Noncurrent loans to loans | 1.5526% | 2,978 |
| Net loans and leases to total assets | 76.7360% | 900 |
| Net loans and leases to deposits | 89.1646% | 1,211 |
| Net loans and leases to core deposits | 102.4440% | 917 |
| Total domestic deposits to total assets | 86.0611% | 3,330 |
| Equity capital to assets | 13.1557% | 1,279 |
| Core capital (leverage) ratio | 11.9853% | 1,622 |
| Tier 1 risk-based capital ratio | 19.4104% | 1,878 |
| Total risk-based capital ratio | 20.6746% | 1,851 |
| Memoranda: | ||
| Average total assets | $88,723,670 | 5,083 |
| Average earning assets | $81,728,000 | 5,062 |
| Average equity | $10,627,330 | 4,802 |
| Average total loans | $67,464,330 | 4,402 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2491% | 123 |
| Cost of funding earning assets | 0.9183% | 900 |
| Net interest margin | 5.3308% | 162 |
| Noninterest income to average assets | 2.4818% | 323 |
| Noninterest expense to average assets | 5.3729% | 287 |
| Loan and lease loss provision to assets | 0.0623% | 3,595 |
| Net operating income to assets | 1.7391% | 532 |
| Return on assets (ROA) | 1.7391% | 589 |
| Pretax return on assets | 1.9526% | 655 |
| Return on Equity (ROE) | 15.2377% | 710 |
| Retained earnings to average equity (ytd only) | 15.2377% | 333 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6069% | 3,501 |
| Assets per employee ($millions) | 2.3950% | 6,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 5,066 |
| Loan loss allowance to noncurrent loans | 85.5967% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.0680% | 3,796 |
| Noncurrent loans to loans | 1.4314% | 3,424 |
| Net loans and leases to total assets | 73.7004% | 1,116 |
| Net loans and leases to deposits | 83.9895% | 1,600 |
| Net loans and leases to core deposits | 94.8230% | 1,281 |
| Total domestic deposits to total assets | 87.7496% | 2,487 |
| Equity capital to assets | 11.4593% | 2,449 |
| Core capital (leverage) ratio | 11.0587% | 2,217 |
| Tier 1 risk-based capital ratio | 17.3211% | 2,637 |
| Total risk-based capital ratio | 18.5732% | 2,601 |
| Memoranda: | ||
| Average total assets | $89,933,000 | 5,097 |
| Average earning assets | $82,764,000 | 5,069 |
| Average equity | $10,264,000 | 4,933 |
| Average total loans | $67,413,500 | 4,443 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0065% | 75 |
| Cost of funding earning assets | 1.1082% | 877 |
| Net interest margin | 5.8984% | 90 |
| Noninterest income to average assets | 3.5940% | 205 |
| Noninterest expense to average assets | 6.1056% | 215 |
| Loan and lease loss provision to assets | 0.2976% | 2,300 |
| Net operating income to assets | 2.4676% | 157 |
| Return on assets (ROA) | 2.4676% | 172 |
| Pretax return on assets | 2.4970% | 257 |
| Return on Equity (ROE) | 20.2205% | 296 |
| Retained earnings to average equity (ytd only) | 20.2205% | 59 |
| Net charge-offs to loans | 0.0053% | 5,893 |
| Credit loss provision to net charge-offs | 7,433.3333% | 30 |
| Earnings coverage of net charge-offs (x) | 698.0000% | 54 |
| Efficiency ratio | 65.2122% | 4,665 |
| Assets per employee ($millions) | 2.4015% | 6,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 5,007 |
| Loan loss allowance to noncurrent loans | 113.4535% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 4,441 |
| Noncurrent loans to loans | 1.0774% | 4,050 |
| Net loans and leases to total assets | 74.3926% | 1,139 |
| Net loans and leases to deposits | 84.7018% | 1,675 |
| Net loans and leases to core deposits | 95.9294% | 1,310 |
| Total domestic deposits to total assets | 87.8288% | 2,327 |
| Equity capital to assets | 11.3655% | 2,574 |
| Core capital (leverage) ratio | 11.3332% | 1,990 |
| Tier 1 risk-based capital ratio | 17.1777% | 2,569 |
| Total risk-based capital ratio | 18.4343% | 2,540 |
| Memoranda: | ||
| Average total assets | $74,931,400 | 5,486 |
| Average earning assets | $67,408,600 | 5,507 |
| Average equity | $9,144,200 | 5,188 |
| Average total loans | $56,144,200 | 4,859 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3826% | 62 |
| Cost of funding earning assets | 1.1629% | 823 |
| Net interest margin | 6.2197% | 75 |
| Noninterest income to average assets | 3.6612% | 196 |
| Noninterest expense to average assets | 6.0535% | 206 |
| Loan and lease loss provision to assets | 0.3546% | 1,840 |
| Net operating income to assets | 2.7748% | 129 |
| Return on assets (ROA) | 2.7748% | 134 |
| Pretax return on assets | 2.8122% | 188 |
| Return on Equity (ROE) | 22.2629% | 226 |
| Retained earnings to average equity (ytd only) | 22.2629% | 60 |
| Net charge-offs to loans | 0.0075% | 5,628 |
| Credit loss provision to net charge-offs | 6,333.3333% | 38 |
| Earnings coverage of net charge-offs (x) | 565.6525% | 77 |
| Efficiency ratio | 65.5131% | 4,535 |
| Assets per employee ($millions) | 2.3923% | 6,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 5,001 |
| Loan loss allowance to noncurrent loans | 133.2767% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 4,875 |
| Noncurrent loans to loans | 0.9463% | 4,549 |
| Net loans and leases to total assets | 75.5591% | 1,036 |
| Net loans and leases to deposits | 86.9502% | 1,491 |
| Net loans and leases to core deposits | 103.6163% | 886 |
| Total domestic deposits to total assets | 86.8993% | 2,736 |
| Equity capital to assets | 11.9893% | 2,266 |
| Core capital (leverage) ratio | 11.2603% | 2,169 |
| Tier 1 risk-based capital ratio | 17.1590% | 2,668 |
| Total risk-based capital ratio | 18.4119% | 2,618 |
| Memoranda: | ||
| Average total assets | $71,450,000 | 5,651 |
| Average earning assets | $63,860,000 | 5,671 |
| Average equity | $8,905,500 | 5,296 |
| Average total loans | $53,450,000 | 5,013 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9148% | 52 |
| Cost of funding earning assets | 1.2064% | 792 |
| Net interest margin | 6.7083% | 61 |
| Noninterest income to average assets | 3.3395% | 220 |
| Noninterest expense to average assets | 6.1596% | 206 |
| Loan and lease loss provision to assets | 0.2230% | 2,852 |
| Net operating income to assets | 2.8524% | 114 |
| Return on assets (ROA) | 2.8524% | 120 |
| Pretax return on assets | 2.8964% | 173 |
| Return on Equity (ROE) | 22.5435% | 228 |
| Retained earnings to average equity (ytd only) | 22.5435% | 69 |
| Net charge-offs to loans | 0.0079% | 5,365 |
| Credit loss provision to net charge-offs | 3,800.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 531.5000% | 76 |
| Efficiency ratio | 66.2555% | 4,492 |
| Assets per employee ($millions) | 2.0822% | 7,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 5,114 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 1.6905% | 3,184 |
| Noncurrent loans to loans | 2.2950% | 2,614 |
| Net loans and leases to total assets | 72.7390% | 1,434 |
| Net loans and leases to deposits | 84.2941% | 1,816 |
| Net loans and leases to core deposits | 103.6242% | 884 |
| Total domestic deposits to total assets | 86.2920% | 3,202 |
| Equity capital to assets | 12.5815% | 1,765 |
| Core capital (leverage) ratio | 11.6489% | 1,809 |
| Tier 1 risk-based capital ratio | 18.2278% | 2,219 |
| Total risk-based capital ratio | 19.4803% | 2,191 |
| Memoranda: | ||
| Average total assets | $68,153,670 | 5,777 |
| Average earning assets | $60,343,000 | 5,825 |
| Average equity | $8,623,330 | 5,375 |
| Average total loans | $50,518,670 | 5,174 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5521% | 31 |
| Cost of funding earning assets | 1.2393% | 809 |
| Net interest margin | 8.3128% | 30 |
| Noninterest income to average assets | 2.1948% | 351 |
| Noninterest expense to average assets | 6.2439% | 184 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 3.1736% | 90 |
| Return on assets (ROA) | 3.1736% | 107 |
| Pretax return on assets | 3.2101% | 153 |
| Return on Equity (ROE) | 25.0045% | 186 |
| Retained earnings to average equity (ytd only) | 25.0045% | 94 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9164% | 4,566 |
| Assets per employee ($millions) | 2.0061% | 7,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 5,547 |
| Loan loss allowance to noncurrent loans | 243.0894% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 5,980 |
| Noncurrent loans to loans | 0.4891% | 5,696 |
| Net loans and leases to total assets | 72.8698% | 1,248 |
| Net loans and leases to deposits | 84.4858% | 1,599 |
| Net loans and leases to core deposits | 106.6222% | 652 |
| Total domestic deposits to total assets | 86.2509% | 3,385 |
| Equity capital to assets | 12.6598% | 1,618 |
| Core capital (leverage) ratio | 11.9290% | 1,626 |
| Tier 1 risk-based capital ratio | 18.6209% | 2,103 |
| Total risk-based capital ratio | 19.8727% | 2,071 |
| Memoranda: | ||
| Average total assets | $65,792,000 | 5,895 |
| Average earning assets | $57,453,500 | 5,956 |
| Average equity | $8,350,500 | 5,484 |
| Average total loans | $48,937,000 | 5,267 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7925% | 129 |
| Cost of funding earning assets | 1.4352% | 902 |
| Net interest margin | 5.3574% | 216 |
| Noninterest income to average assets | 4.7697% | 132 |
| Noninterest expense to average assets | 7.5639% | 120 |
| Loan and lease loss provision to assets | 0.2699% | 3,517 |
| Net operating income to assets | 1.4620% | 900 |
| Return on assets (ROA) | 1.5661% | 775 |
| Pretax return on assets | 1.6143% | 1,172 |
| Return on Equity (ROE) | 11.5634% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.5634% | 339 |
| Net charge-offs to loans | 0.0026% | 6,418 |
| Credit loss provision to net charge-offs | 15,100.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 994.0000% | 25 |
| Efficiency ratio | 80.0766% | 2,287 |
| Assets per employee ($millions) | 1.9205% | 7,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 5,128 |
| Loan loss allowance to noncurrent loans | 245.0820% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 6,013 |
| Noncurrent loans to loans | 0.5129% | 5,684 |
| Net loans and leases to total assets | 74.1211% | 1,256 |
| Net loans and leases to deposits | 85.9435% | 1,675 |
| Net loans and leases to core deposits | 112.2300% | 556 |
| Total domestic deposits to total assets | 86.2440% | 3,170 |
| Equity capital to assets | 12.7272% | 1,638 |
| Core capital (leverage) ratio | 12.4210% | 1,380 |
| Tier 1 risk-based capital ratio | 17.6786% | 2,308 |
| Total risk-based capital ratio | 18.9309% | 2,277 |
| Memoranda: | ||
| Average total assets | $55,936,400 | 6,162 |
| Average earning assets | $47,728,800 | 6,266 |
| Average equity | $7,575,600 | 5,693 |
| Average total loans | $38,351,600 | 5,762 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7724% | 136 |
| Cost of funding earning assets | 1.4963% | 874 |
| Net interest margin | 5.2761% | 252 |
| Noninterest income to average assets | 5.6240% | 113 |
| Noninterest expense to average assets | 7.7986% | 112 |
| Loan and lease loss provision to assets | 0.2909% | 3,189 |
| Net operating income to assets | 1.9774% | 355 |
| Return on assets (ROA) | 1.9774% | 388 |
| Pretax return on assets | 2.0292% | 593 |
| Return on Equity (ROE) | 14.3474% | 969 |
| Retained earnings to average equity (ytd only) | 14.3474% | 277 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9250% | 2,690 |
| Assets per employee ($millions) | 1.6934% | 7,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 4,538 |
| Loan loss allowance to noncurrent loans | 231.0204% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 6,012 |
| Noncurrent loans to loans | 0.6082% | 5,672 |
| Net loans and leases to total assets | 68.9860% | 2,277 |
| Net loans and leases to deposits | 81.5414% | 2,441 |
| Net loans and leases to core deposits | 104.1729% | 968 |
| Total domestic deposits to total assets | 84.6024% | 3,961 |
| Equity capital to assets | 14.0272% | 1,146 |
| Core capital (leverage) ratio | 12.9413% | 1,249 |
| Tier 1 risk-based capital ratio | 19.0122% | 1,932 |
| Total risk-based capital ratio | 20.2649% | 1,908 |
| Memoranda: | ||
| Average total assets | $54,076,500 | 6,278 |
| Average earning assets | $46,068,250 | 6,381 |
| Average equity | $7,453,000 | 5,762 |
| Average total loans | $36,046,250 | 5,918 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7494% | 151 |
| Cost of funding earning assets | 1.5028% | 995 |
| Net interest margin | 5.2465% | 261 |
| Noninterest income to average assets | 5.5641% | 119 |
| Noninterest expense to average assets | 8.2101% | 106 |
| Loan and lease loss provision to assets | 0.2835% | 3,111 |
| Net operating income to assets | 1.4817% | 924 |
| Return on assets (ROA) | 1.4817% | 981 |
| Pretax return on assets | 1.5309% | 1,433 |
| Return on Equity (ROE) | 10.8208% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.8208% | 697 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7496% | 2,137 |
| Assets per employee ($millions) | 1.8223% | 7,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 4,493 |
| Loan loss allowance to noncurrent loans | 213.9344% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 6,064 |
| Noncurrent loans to loans | 0.6619% | 5,586 |
| Net loans and leases to total assets | 64.3300% | 3,392 |
| Net loans and leases to deposits | 75.3801% | 3,579 |
| Net loans and leases to core deposits | 99.5071% | 1,389 |
| Total domestic deposits to total assets | 85.3408% | 3,708 |
| Equity capital to assets | 13.4944% | 1,298 |
| Core capital (leverage) ratio | 12.2270% | 1,491 |
| Tier 1 risk-based capital ratio | 19.2404% | 1,770 |
| Total risk-based capital ratio | 20.4922% | 1,742 |
| Memoranda: | ||
| Average total assets | $52,910,670 | 6,370 |
| Average earning assets | $44,982,000 | 6,474 |
| Average equity | $7,245,330 | 5,855 |
| Average total loans | $34,633,670 | 6,042 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5076% | 210 |
| Cost of funding earning assets | 1.4731% | 1,280 |
| Net interest margin | 5.0345% | 356 |
| Noninterest income to average assets | 2.3787% | 289 |
| Noninterest expense to average assets | 7.7620% | 116 |
| Loan and lease loss provision to assets | 0.0469% | 5,413 |
| Net operating income to assets | -1.2441% | 7,117 |
| Return on assets (ROA) | -1.2441% | 7,123 |
| Pretax return on assets | -1.2050% | 7,062 |
| Return on Equity (ROE) | -9.0130% | 6,998 |
| Retained earnings to average equity (ytd only) | -9.0130% | 6,821 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.2986% | 377 |
| Assets per employee ($millions) | 1.7728% | 7,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 5,497 |
| Loan loss allowance to noncurrent loans | 185.6557% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4588% | 6,070 |
| Noncurrent loans to loans | 0.6607% | 5,708 |
| Net loans and leases to total assets | 68.5870% | 2,431 |
| Net loans and leases to deposits | 79.7229% | 2,758 |
| Net loans and leases to core deposits | 107.3387% | 876 |
| Total domestic deposits to total assets | 86.0318% | 3,513 |
| Equity capital to assets | 13.1447% | 1,317 |
| Core capital (leverage) ratio | 12.3987% | 1,373 |
| Tier 1 risk-based capital ratio | 18.7274% | 1,889 |
| Total risk-based capital ratio | 19.9789% | 1,843 |
| Memoranda: | ||
| Average total assets | $51,121,000 | 6,491 |
| Average earning assets | $42,904,000 | 6,592 |
| Average equity | $7,056,500 | 5,915 |
| Average total loans | $33,519,500 | 6,153 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7590% | 215 |
| Cost of funding earning assets | 1.5803% | 2,185 |
| Net interest margin | 5.1787% | 298 |
| Noninterest income to average assets | 2.1802% | 344 |
| Noninterest expense to average assets | 10.0368% | 80 |
| Loan and lease loss provision to assets | 0.7560% | 2,169 |
| Net operating income to assets | -4.4583% | 7,485 |
| Return on assets (ROA) | -4.3453% | 7,492 |
| Pretax return on assets | -4.3101% | 7,478 |
| Return on Equity (ROE) | -21.5421% | 7,067 |
| Retained earnings to average equity (ytd only) | -21.5421% | 7,044 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.2161% | 176 |
| Assets per employee ($millions) | 1.4429% | 7,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 4,074 |
| Loan loss allowance to noncurrent loans | 183.6066% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 6,034 |
| Noncurrent loans to loans | 0.8104% | 5,427 |
| Net loans and leases to total assets | 60.4603% | 4,592 |
| Net loans and leases to deposits | 71.8978% | 4,538 |
| Net loans and leases to core deposits | 95.5942% | 2,061 |
| Total domestic deposits to total assets | 84.0920% | 4,314 |
| Equity capital to assets | 14.5178% | 900 |
| Core capital (leverage) ratio | 14.2308% | 803 |
| Tier 1 risk-based capital ratio | 18.7570% | 1,779 |
| Total risk-based capital ratio | 20.0071% | 1,745 |
| Memoranda: | ||
| Average total assets | $39,813,400 | 6,871 |
| Average earning assets | $32,209,000 | 7,009 |
| Average equity | $8,030,800 | 5,706 |
| Average total loans | $23,211,000 | 6,767 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8723% | 176 |
| Cost of funding earning assets | 1.5603% | 2,606 |
| Net interest margin | 5.3120% | 235 |
| Noninterest income to average assets | 2.1580% | 338 |
| Noninterest expense to average assets | 10.5804% | 72 |
| Loan and lease loss provision to assets | 0.8426% | 1,802 |
| Net operating income to assets | -5.0520% | 7,647 |
| Return on assets (ROA) | -5.0520% | 7,658 |
| Pretax return on assets | -5.0164% | 7,643 |
| Return on Equity (ROE) | -22.9428% | 7,277 |
| Retained earnings to average equity (ytd only) | -22.9428% | 7,266 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.7614% | 151 |
| Assets per employee ($millions) | 1.4931% | 7,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 4,058 |
| Loan loss allowance to noncurrent loans | 30.8682% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 2.6876% | 2,687 |
| Noncurrent loans to loans | 4.7889% | 1,468 |
| Net loans and leases to total assets | 55.2920% | 5,656 |
| Net loans and leases to deposits | 71.1213% | 4,979 |
| Net loans and leases to core deposits | 99.3016% | 1,914 |
| Total domestic deposits to total assets | 77.7432% | 6,308 |
| Equity capital to assets | 16.3156% | 616 |
| Core capital (leverage) ratio | 15.1827% | 681 |
| Tier 1 risk-based capital ratio | 22.8916% | 1,083 |
| Total risk-based capital ratio | 24.1410% | 1,058 |
| Memoranda: | ||
| Average total assets | $37,502,500 | 7,034 |
| Average earning assets | $29,994,000 | 7,177 |
| Average equity | $8,258,000 | 5,709 |
| Average total loans | $21,486,750 | 6,940 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8240% | 196 |
| Cost of funding earning assets | 1.4026% | 3,862 |
| Net interest margin | 5.4214% | 187 |
| Noninterest income to average assets | 2.2676% | 295 |
| Noninterest expense to average assets | 11.1065% | 66 |
| Loan and lease loss provision to assets | 1.1801% | 1,196 |
| Net operating income to assets | -5.7384% | 7,725 |
| Return on assets (ROA) | -5.7384% | 7,731 |
| Pretax return on assets | -5.7037% | 7,713 |
| Return on Equity (ROE) | -23.3595% | 7,343 |
| Retained earnings to average equity (ytd only) | -23.3595% | 7,328 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.3656% | 156 |
| Assets per employee ($millions) | 1.2876% | 7,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 4,085 |
| Loan loss allowance to noncurrent loans | 143.8525% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6317% | 5,908 |
| Noncurrent loans to loans | 1.0197% | 5,270 |
| Net loans and leases to total assets | 61.0360% | 4,870 |
| Net loans and leases to deposits | 78.5952% | 3,872 |
| Net loans and leases to core deposits | 113.1986% | 968 |
| Total domestic deposits to total assets | 77.6587% | 6,350 |
| Equity capital to assets | 20.7621% | 248 |
| Core capital (leverage) ratio | 20.6355% | 214 |
| Tier 1 risk-based capital ratio | 26.8979% | 706 |
| Total risk-based capital ratio | 28.1423% | 693 |
| Memoranda: | ||
| Average total assets | $34,574,330 | 7,192 |
| Average earning assets | $27,520,670 | 7,316 |
| Average equity | $8,493,330 | 5,638 |
| Average total loans | $19,990,000 | 7,069 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8611% | 208 |
| Cost of funding earning assets | 1.3973% | 4,200 |
| Net interest margin | 5.4638% | 186 |
| Noninterest income to average assets | 2.3719% | 270 |
| Noninterest expense to average assets | 11.1345% | 68 |
| Loan and lease loss provision to assets | 0.8726% | 1,462 |
| Net operating income to assets | -5.3583% | 7,799 |
| Return on assets (ROA) | -5.3583% | 7,803 |
| Pretax return on assets | -5.3583% | 7,782 |
| Return on Equity (ROE) | -19.9771% | 7,436 |
| Retained earnings to average equity (ytd only) | -19.9771% | 7,369 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 167.4677% | 153 |
| Assets per employee ($millions) | 1.2590% | 7,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 5,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 54.3393% | 5,984 |
| Net loans and leases to deposits | 74.1897% | 4,711 |
| Net loans and leases to core deposits | 99.9459% | 2,136 |
| Total domestic deposits to total assets | 73.2437% | 7,137 |
| Equity capital to assets | 25.0206% | 143 |
| Core capital (leverage) ratio | 22.8081% | 171 |
| Tier 1 risk-based capital ratio | 35.9614% | 330 |
| Total risk-based capital ratio | 36.9589% | 330 |
| Memoranda: | ||
| Average total assets | $32,547,500 | 7,358 |
| Average earning assets | $25,477,000 | 7,476 |
| Average equity | $8,730,000 | 5,617 |
| Average total loans | $18,021,000 | 7,262 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4249% | 145 |
| Cost of funding earning assets | 1.0831% | 7,025 |
| Net interest margin | 6.3418% | 86 |
| Noninterest income to average assets | 1.0868% | 1,306 |
| Noninterest expense to average assets | 13.0377% | 72 |
| Loan and lease loss provision to assets | 0.1991% | 5,745 |
| Net operating income to assets | -6.7823% | 7,883 |
| Return on assets (ROA) | -6.7823% | 7,875 |
| Pretax return on assets | -6.7823% | 7,852 |
| Return on Equity (ROE) | -16.7713% | 7,023 |
| Retained earnings to average equity (ytd only) | -16.7713% | 6,977 |
| Net charge-offs to loans | 0.2151% | 5,279 |
| Credit loss provision to net charge-offs | 141.1765% | 3,436 |
| Earnings coverage of net charge-offs (x) | -46.6765% | 7,212 |
| Efficiency ratio | 201.9923% | 131 |
| Assets per employee ($millions) | 1.1108% | 7,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 7,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 55.3226% | 6,042 |
| Net loans and leases to deposits | 79.6473% | 4,057 |
| Net loans and leases to core deposits | 124.4719% | 1,607 |
| Total domestic deposits to total assets | 69.4595% | 7,464 |
| Equity capital to assets | 28.7914% | 109 |
| Core capital (leverage) ratio | 29.8564% | 103 |
| Tier 1 risk-based capital ratio | 39.4737% | 264 |
| Total risk-based capital ratio | 40.2160% | 264 |
| Memoranda: | ||
| Average total assets | $24,107,000 | 7,667 |
| Average earning assets | $20,404,400 | 7,698 |
| Average equity | $9,748,800 | 5,368 |
| Average total loans | $15,805,000 | 7,414 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7900% | 103 |
| Cost of funding earning assets | 1.0110% | 7,366 |
| Net interest margin | 6.7790% | 59 |
| Noninterest income to average assets | 0.6798% | 3,158 |
| Noninterest expense to average assets | 13.3461% | 72 |
| Loan and lease loss provision to assets | 1.2344% | 1,571 |
| Net operating income to assets | -8.0625% | 8,014 |
| Return on assets (ROA) | -8.0625% | 8,014 |
| Pretax return on assets | -8.0625% | 8,001 |
| Return on Equity (ROE) | -18.1218% | 7,311 |
| Retained earnings to average equity (ytd only) | -18.1218% | 7,275 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 204.7575% | 141 |
| Assets per employee ($millions) | 1.2046% | 8,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 1,908 |
| Loan loss allowance to noncurrent loans | 30.9091% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 4.1506% | 1,516 |
| Noncurrent loans to loans | 6.3016% | 926 |
| Net loans and leases to total assets | 64.5838% | 4,733 |
| Net loans and leases to deposits | 101.5666% | 965 |
| Net loans and leases to core deposits | 151.1614% | 558 |
| Total domestic deposits to total assets | 63.5877% | 7,783 |
| Equity capital to assets | 34.8540% | 90 |
| Core capital (leverage) ratio | 36.9346% | 86 |
| Tier 1 risk-based capital ratio | 47.1029% | 191 |
| Total risk-based capital ratio | 48.3503% | 191 |
| Memoranda: | ||
| Average total assets | $22,358,000 | 7,792 |
| Average earning assets | $19,255,000 | 7,801 |
| Average equity | $9,947,250 | 5,348 |
| Average total loans | $15,418,000 | 7,496 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1116% | 87 |
| Cost of funding earning assets | 0.9422% | 7,637 |
| Net interest margin | 7.1694% | 48 |
| Noninterest income to average assets | 0.6960% | 3,012 |
| Noninterest expense to average assets | 12.9859% | 83 |
| Loan and lease loss provision to assets | 0.5721% | 2,724 |
| Net operating income to assets | -6.5501% | 8,027 |
| Return on assets (ROA) | -6.5501% | 8,020 |
| Pretax return on assets | -6.5501% | 7,988 |
| Return on Equity (ROE) | -13.4918% | 7,251 |
| Retained earnings to average equity (ytd only) | -13.4918% | 7,152 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.3061% | 235 |
| Assets per employee ($millions) | 0.9997% | 8,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 4,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 69.8950% | 3,728 |
| Net loans and leases to deposits | 129.4484% | 125 |
| Net loans and leases to core deposits | 154.0744% | 558 |
| Total domestic deposits to total assets | 53.9945% | 8,030 |
| Equity capital to assets | 44.8961% | 72 |
| Core capital (leverage) ratio | 43.8814% | 77 |
| Tier 1 risk-based capital ratio | 57.0155% | 143 |
| Total risk-based capital ratio | 58.1311% | 142 |
| Memoranda: | ||
| Average total assets | $20,976,670 | 7,901 |
| Average earning assets | $18,467,330 | 7,901 |
| Average equity | $10,184,000 | 5,311 |
| Average total loans | $14,738,670 | 7,605 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8924% | 106 |
| Cost of funding earning assets | 0.9039% | 7,807 |
| Net interest margin | 6.9885% | 54 |
| Noninterest income to average assets | 0.6840% | 2,978 |
| Noninterest expense to average assets | 12.3311% | 86 |
| Loan and lease loss provision to assets | 0.5081% | 2,441 |
| Net operating income to assets | -5.9604% | 8,086 |
| Return on assets (ROA) | -5.9604% | 8,078 |
| Pretax return on assets | -5.9604% | 8,046 |
| Return on Equity (ROE) | -11.8000% | 7,461 |
| Retained earnings to average equity (ytd only) | -11.8000% | 7,252 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.2614% | 241 |
| Assets per employee ($millions) | 1.2047% | 8,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 6,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 67.3132% | 4,288 |
| Net loans and leases to deposits | 123.6299% | 219 |
| Net loans and leases to core deposits | 149.3602% | 732 |
| Total domestic deposits to total assets | 54.4474% | 8,065 |
| Equity capital to assets | 44.6003% | 80 |
| Core capital (leverage) ratio | 48.9612% | 75 |
| Tier 1 risk-based capital ratio | 58.4615% | 146 |
| Total risk-based capital ratio | 59.3642% | 146 |
| Memoranda: | ||
| Average total assets | $20,468,500 | 7,961 |
| Average earning assets | $18,144,000 | 7,958 |
| Average equity | $10,339,000 | 5,282 |
| Average total loans | $14,325,500 | 7,668 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4073% | 7,447 |
| Cost of funding earning assets | 0.4245% | 8,200 |
| Net interest margin | 4.9828% | 533 |
| Noninterest income to average assets | 0.5580% | 4,176 |
| Noninterest expense to average assets | 16.5401% | 67 |
| Loan and lease loss provision to assets | 0.7885% | 1,889 |
| Net operating income to assets | -12.4400% | 8,273 |
| Return on assets (ROA) | -12.4400% | 8,274 |
| Pretax return on assets | -12.4278% | 8,265 |
| Return on Equity (ROE) | -17.6938% | 7,700 |
| Retained earnings to average equity (ytd only) | -17.6938% | 7,608 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 337.5000% | 84 |
| Assets per employee ($millions) | 0.9498% | 8,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 5,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 71.7626% | 3,638 |
| Net loans and leases to deposits | 208.9545% | 39 |
| Net loans and leases to core deposits | 231.5159% | 90 |
| Total domestic deposits to total assets | 34.3437% | 8,211 |
| Equity capital to assets | 58.0096% | 64 |
| Core capital (leverage) ratio | 61.4204% | 59 |
| Tier 1 risk-based capital ratio | 70.9278% | 116 |
| Total risk-based capital ratio | 71.8175% | 117 |
| Memoranda: | ||
| Average total assets | $16,487,200 | 8,123 |
| Average earning assets | $14,369,400 | 8,125 |
| Average equity | $11,591,600 | 4,942 |
| Average total loans | $5,934,800 | 8,128 |