Home > Stone Bank > Performance and Condition Ratios
Stone Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7042% | 922 |
| Cost of funding earning assets | 2.7030% | 247 |
| Net interest margin | 3.0011% | 3,276 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 2.5953% | 2,023 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.9328% | 2,437 |
| Return on assets (ROA) | 0.9328% | 2,413 |
| Pretax return on assets | 1.1887% | 2,174 |
| Return on Equity (ROE) | 11.4800% | 2,102 |
| Retained earnings to average equity (ytd only) | 3.9465% | 2,974 |
| Net charge-offs to loans | 0.1665% | 630 |
| Credit loss provision to net charge-offs | 69.8174% | 2,087 |
| Earnings coverage of net charge-offs (x) | 9.8389% | 2,267 |
| Efficiency ratio | 66.2689% | 2,316 |
| Assets per employee ($millions) | 6.0310% | 2,792 |
| Cash dividends to net income (ytd only)* | 65.6184% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6373% | 778 |
| Loan loss allowance to noncurrent loans | 156.8234% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 1.6256% | 219 |
| Noncurrent loans to loans | 1.0440% | 707 |
| Net loans and leases to total assets | 76.6200% | 1,028 |
| Net loans and leases to deposits | 98.2307% | 637 |
| Net loans and leases to core deposits | 126.9185% | 464 |
| Total domestic deposits to total assets | 78.0000% | 3,725 |
| Equity capital to assets | 8.0418% | 3,383 |
| Core capital (leverage) ratio | 8.7886% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1875% | 2,527 |
| Memoranda: | ||
| Average total assets | $715,912,400 | 1,282 |
| Average earning assets | $644,387,800 | 1,309 |
| Average equity | $58,177,600 | 1,423 |
| Average total loans | $559,008,800 | 1,138 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6197% | 889 |
| Cost of funding earning assets | 2.4603% | 293 |
| Net interest margin | 3.1593% | 3,005 |
| Noninterest income to average assets | 1.2300% | 483 |
| Noninterest expense to average assets | 2.5405% | 2,109 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.0988% | 2,061 |
| Return on assets (ROA) | 1.0988% | 2,044 |
| Pretax return on assets | 1.4274% | 1,719 |
| Return on Equity (ROE) | 13.4800% | 1,801 |
| Retained earnings to average equity (ytd only) | 4.0031% | 3,256 |
| Net charge-offs to loans | 0.1068% | 740 |
| Credit loss provision to net charge-offs | 135.4402% | 1,382 |
| Earnings coverage of net charge-offs (x) | 18.4628% | 1,860 |
| Efficiency ratio | 61.5701% | 2,774 |
| Assets per employee ($millions) | 6.0557% | 2,701 |
| Cash dividends to net income (ytd only)* | 70.3120% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 686 |
| Loan loss allowance to noncurrent loans | 237.8069% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 1.1006% | 442 |
| Noncurrent loans to loans | 0.7178% | 1,156 |
| Net loans and leases to total assets | 77.7500% | 914 |
| Net loans and leases to deposits | 97.6964% | 632 |
| Net loans and leases to core deposits | 124.8622% | 437 |
| Total domestic deposits to total assets | 79.5800% | 3,591 |
| Equity capital to assets | 7.5850% | 3,304 |
| Core capital (leverage) ratio | 8.6802% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1075% | 2,582 |
| Memoranda: | ||
| Average total assets | $707,929,750 | 1,293 |
| Average earning assets | $638,217,000 | 1,313 |
| Average equity | $57,687,000 | 1,420 |
| Average total loans | $553,123,000 | 1,141 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4026% | 953 |
| Cost of funding earning assets | 2.0891% | 418 |
| Net interest margin | 3.3135% | 2,718 |
| Noninterest income to average assets | 1.3000% | 395 |
| Noninterest expense to average assets | 2.5414% | 2,092 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.2588% | 1,668 |
| Return on assets (ROA) | 1.2588% | 1,659 |
| Pretax return on assets | 1.6421% | 1,330 |
| Return on Equity (ROE) | 15.0800% | 1,456 |
| Retained earnings to average equity (ytd only) | 3.8773% | 3,236 |
| Net charge-offs to loans | 0.0704% | 858 |
| Credit loss provision to net charge-offs | 196.3351% | 1,058 |
| Earnings coverage of net charge-offs (x) | 31.9529% | 1,519 |
| Efficiency ratio | 58.5649% | 3,124 |
| Assets per employee ($millions) | 6.3873% | 2,398 |
| Cash dividends to net income (ytd only)* | 74.2883% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7262% | 705 |
| Loan loss allowance to noncurrent loans | 180.7880% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.9928% | 474 |
| Noncurrent loans to loans | 0.9548% | 795 |
| Net loans and leases to total assets | 76.8600% | 962 |
| Net loans and leases to deposits | 97.8031% | 622 |
| Net loans and leases to core deposits | 125.2390% | 403 |
| Total domestic deposits to total assets | 78.5900% | 3,774 |
| Equity capital to assets | 7.8343% | 3,329 |
| Core capital (leverage) ratio | 9.1826% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9747% | 2,633 |
| Memoranda: | ||
| Average total assets | $697,643,000 | 1,302 |
| Average earning assets | $629,543,000 | 1,326 |
| Average equity | $58,237,000 | 1,419 |
| Average total loans | $542,702,000 | 1,147 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3117% | 816 |
| Cost of funding earning assets | 1.8247% | 429 |
| Net interest margin | 3.4870% | 2,403 |
| Noninterest income to average assets | 1.5500% | 315 |
| Noninterest expense to average assets | 2.7047% | 1,656 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.4266% | 1,334 |
| Return on assets (ROA) | 1.4266% | 1,308 |
| Pretax return on assets | 1.8663% | 956 |
| Return on Equity (ROE) | 16.5300% | 1,256 |
| Retained earnings to average equity (ytd only) | 16.5329% | 639 |
| Net charge-offs to loans | 0.0099% | 1,567 |
| Credit loss provision to net charge-offs | 1,730.7692% | 227 |
| Earnings coverage of net charge-offs (x) | 259.9231% | 412 |
| Efficiency ratio | 56.8805% | 3,314 |
| Assets per employee ($millions) | 5.8135% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8990% | 531 |
| Loan loss allowance to noncurrent loans | 205.3009% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 530 |
| Noncurrent loans to loans | 0.9250% | 810 |
| Net loans and leases to total assets | 76.8400% | 891 |
| Net loans and leases to deposits | 93.2507% | 831 |
| Net loans and leases to core deposits | 118.6790% | 473 |
| Total domestic deposits to total assets | 82.4100% | 3,419 |
| Equity capital to assets | 8.8943% | 2,598 |
| Core capital (leverage) ratio | 9.7632% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1041% | 2,351 |
| Memoranda: | ||
| Average total assets | $675,999,500 | 1,348 |
| Average earning assets | $610,947,500 | 1,376 |
| Average equity | $58,332,000 | 1,425 |
| Average total loans | $524,305,000 | 1,186 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9162% | 355 |
| Cost of funding earning assets | 0.9893% | 170 |
| Net interest margin | 3.9269% | 902 |
| Noninterest income to average assets | 1.9300% | 259 |
| Noninterest expense to average assets | 3.0839% | 854 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.8082% | 433 |
| Return on assets (ROA) | 1.8082% | 418 |
| Pretax return on assets | 2.2729% | 280 |
| Return on Equity (ROE) | 19.9800% | 482 |
| Retained earnings to average equity (ytd only) | 0.2277% | 4,309 |
| Net charge-offs to loans | 0.3456% | 219 |
| Credit loss provision to net charge-offs | 48.0480% | 1,829 |
| Earnings coverage of net charge-offs (x) | 8.9568% | 2,242 |
| Efficiency ratio | 55.6397% | 3,614 |
| Assets per employee ($millions) | 5.9442% | 2,815 |
| Cash dividends to net income (ytd only)* | 98.8600% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8869% | 553 |
| Loan loss allowance to noncurrent loans | 238.0941% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.7697% | 615 |
| Noncurrent loans to loans | 0.7925% | 941 |
| Net loans and leases to total assets | 75.3400% | 1,082 |
| Net loans and leases to deposits | 95.8083% | 653 |
| Net loans and leases to core deposits | 117.6796% | 410 |
| Total domestic deposits to total assets | 78.6400% | 4,033 |
| Equity capital to assets | 8.3650% | 2,802 |
| Core capital (leverage) ratio | 9.6247% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3630% | 2,216 |
| Memoranda: | ||
| Average total assets | $620,932,600 | 1,435 |
| Average earning assets | $561,491,800 | 1,472 |
| Average equity | $56,203,800 | 1,477 |
| Average total loans | $481,722,600 | 1,208 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 303 |
| Cost of funding earning assets | 0.8277% | 141 |
| Net interest margin | 3.9375% | 728 |
| Noninterest income to average assets | 2.3400% | 225 |
| Noninterest expense to average assets | 3.1509% | 730 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.9840% | 292 |
| Return on assets (ROA) | 1.9840% | 292 |
| Pretax return on assets | 2.6211% | 189 |
| Return on Equity (ROE) | 21.4600% | 323 |
| Retained earnings to average equity (ytd only) | -4.9235% | 4,598 |
| Net charge-offs to loans | 0.2689% | 250 |
| Credit loss provision to net charge-offs | 63.0252% | 1,483 |
| Earnings coverage of net charge-offs (x) | 13.1597% | 1,891 |
| Efficiency ratio | 52.8194% | 3,938 |
| Assets per employee ($millions) | 5.7889% | 2,943 |
| Cash dividends to net income (ytd only)* | 122.9372% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0260% | 484 |
| Loan loss allowance to noncurrent loans | 222.4806% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 1.0379% | 425 |
| Noncurrent loans to loans | 0.9106% | 859 |
| Net loans and leases to total assets | 77.7600% | 728 |
| Net loans and leases to deposits | 95.5015% | 575 |
| Net loans and leases to core deposits | 114.1293% | 359 |
| Total domestic deposits to total assets | 81.4200% | 3,913 |
| Equity capital to assets | 8.1372% | 2,810 |
| Core capital (leverage) ratio | 9.3642% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7049% | 2,168 |
| Memoranda: | ||
| Average total assets | $606,757,250 | 1,471 |
| Average earning assets | $549,307,000 | 1,513 |
| Average equity | $56,083,750 | 1,497 |
| Average total loans | $472,060,250 | 1,224 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 374 |
| Cost of funding earning assets | 0.6638% | 194 |
| Net interest margin | 3.8419% | 685 |
| Noninterest income to average assets | 2.5561% | 180 |
| Noninterest expense to average assets | 3.1199% | 714 |
| Loan and lease loss provision to assets | 0.1345% | 711 |
| Net operating income to assets | 2.1018% | 186 |
| Return on assets (ROA) | 2.1018% | 184 |
| Pretax return on assets | 2.7834% | 129 |
| Return on Equity (ROE) | 21.7997% | 202 |
| Retained earnings to average equity (ytd only) | -16.9104% | 4,712 |
| Net charge-offs to loans | 0.4449% | 157 |
| Credit loss provision to net charge-offs | 39.1389% | 1,534 |
| Earnings coverage of net charge-offs (x) | 8.4912% | 1,820 |
| Efficiency ratio | 51.1221% | 4,183 |
| Assets per employee ($millions) | 5.6621% | 3,076 |
| Cash dividends to net income (ytd only)* | 177.5716% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9893% | 567 |
| Loan loss allowance to noncurrent loans | 193.2399% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.8679% | 591 |
| Noncurrent loans to loans | 1.0294% | 812 |
| Net loans and leases to total assets | 77.4825% | 598 |
| Net loans and leases to deposits | 96.6553% | 401 |
| Net loans and leases to core deposits | 114.6800% | 268 |
| Total domestic deposits to total assets | 80.1638% | 4,211 |
| Equity capital to assets | 8.1972% | 2,971 |
| Core capital (leverage) ratio | 9.7489% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8091% | 2,565 |
| Memoranda: | ||
| Average total assets | $594,820,333 | 1,508 |
| Average earning assets | $539,051,667 | 1,557 |
| Average equity | $57,349,333 | 1,495 |
| Average total loans | $459,422,667 | 1,247 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 317 |
| Cost of funding earning assets | 0.6471% | 202 |
| Net interest margin | 3.8419% | 581 |
| Noninterest income to average assets | 3.5239% | 139 |
| Noninterest expense to average assets | 3.3289% | 513 |
| Loan and lease loss provision to assets | 0.1398% | 577 |
| Net operating income to assets | 2.6607% | 108 |
| Return on assets (ROA) | 2.6607% | 105 |
| Pretax return on assets | 3.5407% | 76 |
| Return on Equity (ROE) | 25.4647% | 94 |
| Retained earnings to average equity (ytd only) | -48.7822% | 4,777 |
| Net charge-offs to loans | 0.8913% | 78 |
| Credit loss provision to net charge-offs | 20.5761% | 1,287 |
| Earnings coverage of net charge-offs (x) | 5.4177% | 1,603 |
| Efficiency ratio | 47.0037% | 4,456 |
| Assets per employee ($millions) | 5.2763% | 3,512 |
| Cash dividends to net income (ytd only)* | 291.5682% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2206% | 422 |
| Loan loss allowance to noncurrent loans | 200.2424% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.8376% | 647 |
| Noncurrent loans to loans | 1.1089% | 806 |
| Net loans and leases to total assets | 73.8581% | 670 |
| Net loans and leases to deposits | 86.1852% | 723 |
| Net loans and leases to core deposits | 98.5553% | 558 |
| Total domestic deposits to total assets | 85.6970% | 3,345 |
| Equity capital to assets | 9.1072% | 2,619 |
| Core capital (leverage) ratio | 10.1802% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3656% | 2,459 |
| Memoranda: | ||
| Average total assets | $572,321,000 | 1,575 |
| Average earning assets | $519,228,000 | 1,618 |
| Average equity | $59,800,500 | 1,491 |
| Average total loans | $436,229,000 | 1,278 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8124% | 352 |
| Cost of funding earning assets | 1.0361% | 64 |
| Net interest margin | 3.7764% | 1,060 |
| Noninterest income to average assets | 2.6101% | 220 |
| Noninterest expense to average assets | 3.1859% | 745 |
| Loan and lease loss provision to assets | 0.6281% | 80 |
| Net operating income to assets | 1.6729% | 674 |
| Return on assets (ROA) | 1.6729% | 705 |
| Pretax return on assets | 2.2094% | 401 |
| Return on Equity (ROE) | 14.9283% | 967 |
| Retained earnings to average equity (ytd only) | 11.6893% | 582 |
| Net charge-offs to loans | 0.2643% | 337 |
| Credit loss provision to net charge-offs | 304.9339% | 1,049 |
| Earnings coverage of net charge-offs (x) | 13.7753% | 2,063 |
| Efficiency ratio | 52.2989% | 4,089 |
| Assets per employee ($millions) | 5.0798% | 3,662 |
| Cash dividends to net income (ytd only)* | 21.6967% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5075% | 277 |
| Loan loss allowance to noncurrent loans | 343.3162% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 1,005 |
| Noncurrent loans to loans | 0.7304% | 1,394 |
| Net loans and leases to total assets | 75.0232% | 586 |
| Net loans and leases to deposits | 87.8578% | 660 |
| Net loans and leases to core deposits | 100.8387% | 498 |
| Total domestic deposits to total assets | 85.3916% | 3,140 |
| Equity capital to assets | 11.8806% | 1,306 |
| Core capital (leverage) ratio | 11.3447% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0012% | 1,510 |
| Memoranda: | ||
| Average total assets | $551,013,600 | 1,574 |
| Average earning assets | $498,044,200 | 1,611 |
| Average equity | $61,748,600 | 1,481 |
| Average total loans | $429,469,400 | 1,304 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 385 |
| Cost of funding earning assets | 1.1054% | 55 |
| Net interest margin | 3.7298% | 1,275 |
| Noninterest income to average assets | 2.7909% | 216 |
| Noninterest expense to average assets | 3.2064% | 703 |
| Loan and lease loss provision to assets | 0.8386% | 51 |
| Net operating income to assets | 1.6011% | 1,028 |
| Return on assets (ROA) | 1.6011% | 1,074 |
| Pretax return on assets | 2.1131% | 660 |
| Return on Equity (ROE) | 14.5074% | 1,254 |
| Retained earnings to average equity (ytd only) | 10.1172% | 1,281 |
| Net charge-offs to loans | 0.3322% | 234 |
| Credit loss provision to net charge-offs | 322.8545% | 968 |
| Earnings coverage of net charge-offs (x) | 11.3647% | 1,997 |
| Efficiency ratio | 51.4911% | 4,074 |
| Assets per employee ($millions) | 5.2346% | 3,469 |
| Cash dividends to net income (ytd only)* | 30.2618% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4452% | 312 |
| Loan loss allowance to noncurrent loans | 518.4274% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 1,573 |
| Noncurrent loans to loans | 0.4717% | 2,143 |
| Net loans and leases to total assets | 76.5532% | 503 |
| Net loans and leases to deposits | 90.7258% | 564 |
| Net loans and leases to core deposits | 105.2147% | 424 |
| Total domestic deposits to total assets | 84.3786% | 3,343 |
| Equity capital to assets | 11.3164% | 1,798 |
| Core capital (leverage) ratio | 10.9930% | 1,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6323% | 1,749 |
| Memoranda: | ||
| Average total assets | $550,341,750 | 1,579 |
| Average earning assets | $496,813,250 | 1,624 |
| Average equity | $60,740,000 | 1,524 |
| Average total loans | $430,314,750 | 1,326 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 649 |
| Cost of funding earning assets | 1.1334% | 61 |
| Net interest margin | 3.4400% | 2,034 |
| Noninterest income to average assets | 3.3625% | 161 |
| Noninterest expense to average assets | 3.1757% | 753 |
| Loan and lease loss provision to assets | 1.2652% | 26 |
| Net operating income to assets | 1.5303% | 1,215 |
| Return on assets (ROA) | 1.5303% | 1,281 |
| Pretax return on assets | 2.0183% | 812 |
| Return on Equity (ROE) | 13.9862% | 1,415 |
| Retained earnings to average equity (ytd only) | 13.9862% | 543 |
| Net charge-offs to loans | 0.2921% | 303 |
| Credit loss provision to net charge-offs | 554.6474% | 651 |
| Earnings coverage of net charge-offs (x) | 14.3942% | 1,665 |
| Efficiency ratio | 48.6049% | 4,348 |
| Assets per employee ($millions) | 5.1856% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5831% | 253 |
| Loan loss allowance to noncurrent loans | 267.1838% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.8129% | 984 |
| Noncurrent loans to loans | 0.9668% | 1,278 |
| Net loans and leases to total assets | 74.6962% | 703 |
| Net loans and leases to deposits | 93.9679% | 462 |
| Net loans and leases to core deposits | 109.9893% | 360 |
| Total domestic deposits to total assets | 79.4913% | 4,293 |
| Equity capital to assets | 10.8149% | 2,134 |
| Core capital (leverage) ratio | 10.5341% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8620% | 2,018 |
| Memoranda: | ||
| Average total assets | $547,089,667 | 1,583 |
| Average earning assets | $492,506,667 | 1,628 |
| Average equity | $59,859,000 | 1,529 |
| Average total loans | $427,246,333 | 1,333 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 777 |
| Cost of funding earning assets | 1.1763% | 62 |
| Net interest margin | 3.3211% | 2,329 |
| Noninterest income to average assets | 4.1486% | 142 |
| Noninterest expense to average assets | 3.2177% | 698 |
| Loan and lease loss provision to assets | 2.0832% | 11 |
| Net operating income to assets | 1.3888% | 1,600 |
| Return on assets (ROA) | 1.3888% | 1,680 |
| Pretax return on assets | 1.8282% | 1,237 |
| Return on Equity (ROE) | 12.6165% | 1,779 |
| Retained earnings to average equity (ytd only) | 12.6165% | 994 |
| Net charge-offs to loans | 0.2678% | 317 |
| Credit loss provision to net charge-offs | 986.6197% | 423 |
| Earnings coverage of net charge-offs (x) | 18.5246% | 1,277 |
| Efficiency ratio | 44.6240% | 4,546 |
| Assets per employee ($millions) | 4.9654% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6166% | 221 |
| Loan loss allowance to noncurrent loans | 167.2355% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 1.4111% | 473 |
| Noncurrent loans to loans | 1.5646% | 780 |
| Net loans and leases to total assets | 75.4897% | 677 |
| Net loans and leases to deposits | 97.3570% | 363 |
| Net loans and leases to core deposits | 114.8754% | 304 |
| Total domestic deposits to total assets | 77.5391% | 4,473 |
| Equity capital to assets | 10.9260% | 1,921 |
| Core capital (leverage) ratio | 10.8542% | 1,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3355% | 1,802 |
| Memoranda: | ||
| Average total assets | $538,018,500 | 1,588 |
| Average earning assets | $482,859,000 | 1,638 |
| Average equity | $59,224,000 | 1,533 |
| Average total loans | $424,168,500 | 1,349 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6483% | 998 |
| Cost of funding earning assets | 1.6462% | 42 |
| Net interest margin | 3.0021% | 3,878 |
| Noninterest income to average assets | 2.6973% | 228 |
| Noninterest expense to average assets | 3.3502% | 845 |
| Loan and lease loss provision to assets | 1.0401% | 87 |
| Net operating income to assets | 0.7367% | 3,309 |
| Return on assets (ROA) | 0.7812% | 3,287 |
| Pretax return on assets | 1.0102% | 3,014 |
| Return on Equity (ROE) | 7.0960% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.0960% | 1,361 |
| Net charge-offs to loans | 0.6130% | 249 |
| Credit loss provision to net charge-offs | 218.9683% | 2,075 |
| Earnings coverage of net charge-offs (x) | 4.1978% | 3,013 |
| Efficiency ratio | 61.9048% | 3,154 |
| Assets per employee ($millions) | 4.9071% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 675 |
| Loan loss allowance to noncurrent loans | 160.3915% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.1903% | 732 |
| Noncurrent loans to loans | 1.2045% | 1,162 |
| Net loans and leases to total assets | 78.6030% | 539 |
| Net loans and leases to deposits | 106.0220% | 228 |
| Net loans and leases to core deposits | 125.5043% | 251 |
| Total domestic deposits to total assets | 74.1383% | 4,630 |
| Equity capital to assets | 11.0890% | 2,183 |
| Core capital (leverage) ratio | 11.0588% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4932% | 1,680 |
| Memoranda: | ||
| Average total assets | $518,298,000 | 1,493 |
| Average earning assets | $456,983,800 | 1,573 |
| Average equity | $57,060,600 | 1,497 |
| Average total loans | $401,611,400 | 1,351 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7525% | 962 |
| Cost of funding earning assets | 1.7579% | 40 |
| Net interest margin | 2.9946% | 3,993 |
| Noninterest income to average assets | 2.7761% | 209 |
| Noninterest expense to average assets | 3.2856% | 925 |
| Loan and lease loss provision to assets | 1.1894% | 89 |
| Net operating income to assets | 0.7204% | 3,390 |
| Return on assets (ROA) | 0.7803% | 3,281 |
| Pretax return on assets | 1.0080% | 3,040 |
| Return on Equity (ROE) | 7.1016% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.1016% | 1,645 |
| Net charge-offs to loans | 0.5762% | 256 |
| Credit loss provision to net charge-offs | 268.8602% | 1,861 |
| Earnings coverage of net charge-offs (x) | 4.7955% | 2,787 |
| Efficiency ratio | 59.9606% | 3,397 |
| Assets per employee ($millions) | 4.8310% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9405% | 550 |
| Loan loss allowance to noncurrent loans | 121.8700% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 2.1030% | 296 |
| Noncurrent loans to loans | 1.5923% | 885 |
| Net loans and leases to total assets | 77.5461% | 891 |
| Net loans and leases to deposits | 106.1827% | 317 |
| Net loans and leases to core deposits | 127.9863% | 271 |
| Total domestic deposits to total assets | 73.0308% | 4,635 |
| Equity capital to assets | 10.7694% | 2,574 |
| Core capital (leverage) ratio | 10.6576% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9330% | 1,850 |
| Memoranda: | ||
| Average total assets | $512,928,500 | 1,489 |
| Average earning assets | $450,671,000 | 1,568 |
| Average equity | $56,361,750 | 1,506 |
| Average total loans | $393,854,750 | 1,369 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0004% | 821 |
| Cost of funding earning assets | 1.8831% | 32 |
| Net interest margin | 3.1172% | 3,866 |
| Noninterest income to average assets | 3.0758% | 160 |
| Noninterest expense to average assets | 3.3081% | 986 |
| Loan and lease loss provision to assets | 1.5419% | 78 |
| Net operating income to assets | 0.7427% | 3,235 |
| Return on assets (ROA) | 0.7427% | 3,355 |
| Pretax return on assets | 0.9576% | 3,162 |
| Return on Equity (ROE) | 6.7114% | 3,245 |
| Retained earnings to average equity (ytd only) | 6.7114% | 1,773 |
| Net charge-offs to loans | 0.6740% | 235 |
| Credit loss provision to net charge-offs | 301.1637% | 1,615 |
| Earnings coverage of net charge-offs (x) | 4.8821% | 2,559 |
| Efficiency ratio | 56.1551% | 3,924 |
| Assets per employee ($millions) | 5.1860% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 622 |
| Loan loss allowance to noncurrent loans | 103.4296% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 2.5034% | 224 |
| Noncurrent loans to loans | 1.7636% | 804 |
| Net loans and leases to total assets | 77.0892% | 987 |
| Net loans and leases to deposits | 99.7484% | 565 |
| Net loans and leases to core deposits | 121.7313% | 383 |
| Total domestic deposits to total assets | 77.2836% | 4,287 |
| Equity capital to assets | 10.2122% | 3,003 |
| Core capital (leverage) ratio | 9.8478% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8686% | 1,871 |
| Memoranda: | ||
| Average total assets | $503,547,333 | 1,486 |
| Average earning assets | $441,286,667 | 1,572 |
| Average equity | $55,725,667 | 1,506 |
| Average total loans | $382,512,000 | 1,386 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 813 |
| Cost of funding earning assets | 2.0812% | 24 |
| Net interest margin | 3.0083% | 4,267 |
| Noninterest income to average assets | 2.0460% | 263 |
| Noninterest expense to average assets | 3.2579% | 1,301 |
| Loan and lease loss provision to assets | 0.5529% | 516 |
| Net operating income to assets | 0.6741% | 3,352 |
| Return on assets (ROA) | 0.6741% | 3,421 |
| Pretax return on assets | 0.8652% | 3,234 |
| Return on Equity (ROE) | 5.8265% | 3,380 |
| Retained earnings to average equity (ytd only) | 5.8265% | 1,946 |
| Net charge-offs to loans | 1.2072% | 125 |
| Credit loss provision to net charge-offs | 61.5169% | 2,013 |
| Earnings coverage of net charge-offs (x) | 1.5777% | 2,376 |
| Efficiency ratio | 68.4305% | 2,596 |
| Assets per employee ($millions) | 4.3078% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 1,767 |
| Loan loss allowance to noncurrent loans | 60.7333% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 2.4564% | 284 |
| Noncurrent loans to loans | 2.2754% | 559 |
| Net loans and leases to total assets | 75.5846% | 1,370 |
| Net loans and leases to deposits | 90.2099% | 1,480 |
| Net loans and leases to core deposits | 113.2703% | 697 |
| Total domestic deposits to total assets | 83.7875% | 2,857 |
| Equity capital to assets | 11.7006% | 2,288 |
| Core capital (leverage) ratio | 11.0146% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8003% | 1,973 |
| Memoranda: | ||
| Average total assets | $475,278,500 | 1,517 |
| Average earning assets | $415,520,500 | 1,618 |
| Average equity | $54,990,000 | 1,520 |
| Average total loans | $353,874,500 | 1,440 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9273% | 1,675 |
| Cost of funding earning assets | 1.9908% | 68 |
| Net interest margin | 2.9365% | 4,609 |
| Noninterest income to average assets | 2.0076% | 257 |
| Noninterest expense to average assets | 3.1543% | 1,633 |
| Loan and lease loss provision to assets | 0.5032% | 257 |
| Net operating income to assets | 0.7056% | 3,856 |
| Return on assets (ROA) | 0.7056% | 3,917 |
| Pretax return on assets | 0.9128% | 3,703 |
| Return on Equity (ROE) | 6.0076% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.0076% | 1,862 |
| Net charge-offs to loans | 0.3817% | 515 |
| Credit loss provision to net charge-offs | 188.5917% | 1,400 |
| Earnings coverage of net charge-offs (x) | 5.3068% | 3,103 |
| Efficiency ratio | 68.8287% | 2,339 |
| Assets per employee ($millions) | 4.1816% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 1,032 |
| Loan loss allowance to noncurrent loans | 79.7123% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 2.0403% | 378 |
| Noncurrent loans to loans | 1.9770% | 651 |
| Net loans and leases to total assets | 71.1426% | 2,228 |
| Net loans and leases to deposits | 85.9066% | 2,103 |
| Net loans and leases to core deposits | 109.7353% | 869 |
| Total domestic deposits to total assets | 82.8139% | 3,264 |
| Equity capital to assets | 11.4403% | 2,582 |
| Core capital (leverage) ratio | 10.8205% | 2,663 |
| Tier 1 risk-based capital ratio | 14.3388% | 3,097 |
| Total risk-based capital ratio | 15.5919% | 3,005 |
| Memoranda: | ||
| Average total assets | $476,339,200 | 1,482 |
| Average earning assets | $415,702,000 | 1,563 |
| Average equity | $55,945,800 | 1,443 |
| Average total loans | $332,963,000 | 1,491 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 2,152 |
| Cost of funding earning assets | 1.9611% | 74 |
| Net interest margin | 2.8293% | 4,830 |
| Noninterest income to average assets | 1.9183% | 281 |
| Noninterest expense to average assets | 2.9138% | 2,215 |
| Loan and lease loss provision to assets | 0.5308% | 225 |
| Net operating income to assets | 0.7156% | 3,964 |
| Return on assets (ROA) | 0.7156% | 4,033 |
| Pretax return on assets | 0.9423% | 3,760 |
| Return on Equity (ROE) | 6.0533% | 4,030 |
| Retained earnings to average equity (ytd only) | 6.0533% | 2,349 |
| Net charge-offs to loans | 0.4141% | 399 |
| Credit loss provision to net charge-offs | 184.9756% | 1,405 |
| Earnings coverage of net charge-offs (x) | 5.1337% | 2,944 |
| Efficiency ratio | 66.4199% | 2,673 |
| Assets per employee ($millions) | 5.1850% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 1,255 |
| Loan loss allowance to noncurrent loans | 151.1981% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 1.8138% | 544 |
| Noncurrent loans to loans | 0.9902% | 1,616 |
| Net loans and leases to total assets | 72.1459% | 2,157 |
| Net loans and leases to deposits | 87.1411% | 2,042 |
| Net loans and leases to core deposits | 111.9012% | 849 |
| Total domestic deposits to total assets | 82.7920% | 3,229 |
| Equity capital to assets | 11.3993% | 2,737 |
| Core capital (leverage) ratio | 12.3559% | 1,654 |
| Tier 1 risk-based capital ratio | 13.9650% | 3,348 |
| Total risk-based capital ratio | 15.2173% | 3,263 |
| Memoranda: | ||
| Average total assets | $476,249,000 | 1,494 |
| Average earning assets | $415,538,750 | 1,573 |
| Average equity | $56,298,250 | 1,437 |
| Average total loans | $330,062,000 | 1,509 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8121% | 331 |
| Cost of funding earning assets | 2.3549% | 13 |
| Net interest margin | 3.4572% | 3,719 |
| Noninterest income to average assets | 2.4400% | 204 |
| Noninterest expense to average assets | 3.5681% | 883 |
| Loan and lease loss provision to assets | 0.6898% | 153 |
| Net operating income to assets | 0.8923% | 3,317 |
| Return on assets (ROA) | 0.8923% | 3,379 |
| Pretax return on assets | 1.1979% | 2,913 |
| Return on Equity (ROE) | 8.1702% | 3,219 |
| Retained earnings to average equity (ytd only) | 8.1702% | 1,327 |
| Net charge-offs to loans | 0.5515% | 281 |
| Credit loss provision to net charge-offs | 160.9964% | 1,418 |
| Earnings coverage of net charge-offs (x) | 4.4058% | 2,738 |
| Efficiency ratio | 65.4008% | 2,905 |
| Assets per employee ($millions) | 4.5174% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 1,229 |
| Loan loss allowance to noncurrent loans | 153.8585% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 2.3409% | 336 |
| Noncurrent loans to loans | 0.9843% | 1,659 |
| Net loans and leases to total assets | 78.6011% | 1,104 |
| Net loans and leases to deposits | 95.3166% | 1,113 |
| Net loans and leases to core deposits | 136.4677% | 230 |
| Total domestic deposits to total assets | 82.4631% | 3,383 |
| Equity capital to assets | 10.8703% | 3,203 |
| Core capital (leverage) ratio | 10.7603% | 2,827 |
| Tier 1 risk-based capital ratio | 13.1854% | 3,740 |
| Total risk-based capital ratio | 14.4385% | 3,649 |
| Memoranda: | ||
| Average total assets | $384,179,000 | 1,808 |
| Average earning assets | $335,129,670 | 1,889 |
| Average equity | $41,957,330 | 1,863 |
| Average total loans | $298,461,330 | 1,629 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5909% | 437 |
| Cost of funding earning assets | 2.3308% | 13 |
| Net interest margin | 3.2601% | 4,249 |
| Noninterest income to average assets | 1.8755% | 270 |
| Noninterest expense to average assets | 3.2805% | 1,327 |
| Loan and lease loss provision to assets | 0.6262% | 163 |
| Net operating income to assets | 0.5944% | 4,259 |
| Return on assets (ROA) | 0.5944% | 4,292 |
| Pretax return on assets | 0.7936% | 4,061 |
| Return on Equity (ROE) | 5.4295% | 4,204 |
| Retained earnings to average equity (ytd only) | 5.4295% | 2,719 |
| Net charge-offs to loans | 0.5258% | 282 |
| Credit loss provision to net charge-offs | 155.5263% | 1,212 |
| Earnings coverage of net charge-offs (x) | 3.5263% | 2,396 |
| Efficiency ratio | 69.7926% | 2,380 |
| Assets per employee ($millions) | 4.7330% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 1,290 |
| Loan loss allowance to noncurrent loans | 64.9496% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 2.6278% | 275 |
| Noncurrent loans to loans | 2.3310% | 581 |
| Net loans and leases to total assets | 76.5959% | 1,383 |
| Net loans and leases to deposits | 92.8883% | 1,296 |
| Net loans and leases to core deposits | 127.0058% | 360 |
| Total domestic deposits to total assets | 82.4602% | 3,597 |
| Equity capital to assets | 10.8984% | 2,952 |
| Core capital (leverage) ratio | 10.8725% | 2,686 |
| Tier 1 risk-based capital ratio | 13.1311% | 3,810 |
| Total risk-based capital ratio | 14.3834% | 3,717 |
| Memoranda: | ||
| Average total assets | $377,501,500 | 1,849 |
| Average earning assets | $327,102,500 | 1,934 |
| Average equity | $41,329,500 | 1,879 |
| Average total loans | $289,056,500 | 1,668 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5504% | 362 |
| Cost of funding earning assets | 1.8778% | 17 |
| Net interest margin | 3.6726% | 3,148 |
| Noninterest income to average assets | 2.8949% | 159 |
| Noninterest expense to average assets | 4.0472% | 499 |
| Loan and lease loss provision to assets | 1.1108% | 73 |
| Net operating income to assets | 0.7164% | 4,095 |
| Return on assets (ROA) | 0.7164% | 4,100 |
| Pretax return on assets | 0.9250% | 3,833 |
| Return on Equity (ROE) | 6.5255% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.5255% | 1,912 |
| Net charge-offs to loans | 0.8069% | 188 |
| Credit loss provision to net charge-offs | 172.9927% | 1,623 |
| Earnings coverage of net charge-offs (x) | 3.1705% | 3,444 |
| Efficiency ratio | 66.5327% | 2,782 |
| Assets per employee ($millions) | 4.6464% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 1,285 |
| Loan loss allowance to noncurrent loans | 65.9034% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 2.1388% | 423 |
| Noncurrent loans to loans | 2.2775% | 561 |
| Net loans and leases to total assets | 74.1849% | 1,907 |
| Net loans and leases to deposits | 90.5069% | 1,731 |
| Net loans and leases to core deposits | 124.5965% | 425 |
| Total domestic deposits to total assets | 81.9660% | 3,651 |
| Equity capital to assets | 11.0175% | 2,673 |
| Core capital (leverage) ratio | 11.5337% | 2,079 |
| Tier 1 risk-based capital ratio | 13.1075% | 3,784 |
| Total risk-based capital ratio | 14.3590% | 3,673 |
| Memoranda: | ||
| Average total assets | $298,696,800 | 2,171 |
| Average earning assets | $259,298,000 | 2,270 |
| Average equity | $32,794,600 | 2,164 |
| Average total loans | $237,701,200 | 1,896 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4809% | 381 |
| Cost of funding earning assets | 1.7147% | 27 |
| Net interest margin | 3.7662% | 2,766 |
| Noninterest income to average assets | 2.5797% | 197 |
| Noninterest expense to average assets | 4.0173% | 516 |
| Loan and lease loss provision to assets | 0.9071% | 96 |
| Net operating income to assets | 0.7212% | 4,160 |
| Return on assets (ROA) | 0.7212% | 4,169 |
| Pretax return on assets | 0.9404% | 3,897 |
| Return on Equity (ROE) | 6.5766% | 4,084 |
| Retained earnings to average equity (ytd only) | 6.5766% | 2,350 |
| Net charge-offs to loans | 0.4320% | 370 |
| Credit loss provision to net charge-offs | 259.2391% | 1,142 |
| Earnings coverage of net charge-offs (x) | 5.2799% | 2,967 |
| Efficiency ratio | 68.4987% | 2,447 |
| Assets per employee ($millions) | 4.6069% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,295 |
| Loan loss allowance to noncurrent loans | 106.3704% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 2.2827% | 418 |
| Noncurrent loans to loans | 1.4247% | 1,165 |
| Net loans and leases to total assets | 75.7523% | 1,700 |
| Net loans and leases to deposits | 89.9675% | 1,903 |
| Net loans and leases to core deposits | 125.1656% | 436 |
| Total domestic deposits to total assets | 84.1997% | 2,875 |
| Equity capital to assets | 10.5819% | 3,060 |
| Core capital (leverage) ratio | 11.3735% | 2,269 |
| Tier 1 risk-based capital ratio | 12.8095% | 4,013 |
| Total risk-based capital ratio | 14.0615% | 3,913 |
| Memoranda: | ||
| Average total assets | $280,443,750 | 2,278 |
| Average earning assets | $244,626,500 | 2,393 |
| Average equity | $30,755,000 | 2,302 |
| Average total loans | $227,138,000 | 1,976 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4716% | 334 |
| Cost of funding earning assets | 1.5616% | 43 |
| Net interest margin | 3.9101% | 2,170 |
| Noninterest income to average assets | 2.7984% | 179 |
| Noninterest expense to average assets | 4.3375% | 348 |
| Loan and lease loss provision to assets | 0.8590% | 100 |
| Net operating income to assets | 0.7569% | 4,010 |
| Return on assets (ROA) | 0.7569% | 4,009 |
| Pretax return on assets | 1.0112% | 3,629 |
| Return on Equity (ROE) | 6.7974% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.7974% | 2,166 |
| Net charge-offs to loans | 0.5004% | 305 |
| Credit loss provision to net charge-offs | 207.4212% | 1,274 |
| Earnings coverage of net charge-offs (x) | 4.5158% | 2,786 |
| Efficiency ratio | 69.8725% | 2,335 |
| Assets per employee ($millions) | 4.2195% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 1,798 |
| Loan loss allowance to noncurrent loans | 83.8126% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 2.2078% | 442 |
| Noncurrent loans to loans | 1.6544% | 967 |
| Net loans and leases to total assets | 81.4082% | 787 |
| Net loans and leases to deposits | 103.0744% | 585 |
| Net loans and leases to core deposits | 144.0100% | 161 |
| Total domestic deposits to total assets | 78.9800% | 4,430 |
| Equity capital to assets | 10.6356% | 2,986 |
| Core capital (leverage) ratio | 11.1850% | 2,361 |
| Tier 1 risk-based capital ratio | 11.9245% | 4,542 |
| Total risk-based capital ratio | 13.1751% | 4,426 |
| Memoranda: | ||
| Average total assets | $260,288,000 | 2,420 |
| Average earning assets | $226,952,000 | 2,536 |
| Average equity | $28,981,670 | 2,416 |
| Average total loans | $215,443,330 | 2,070 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3644% | 361 |
| Cost of funding earning assets | 1.4740% | 46 |
| Net interest margin | 3.8904% | 2,081 |
| Noninterest income to average assets | 3.2099% | 149 |
| Noninterest expense to average assets | 4.5858% | 276 |
| Loan and lease loss provision to assets | 1.0463% | 79 |
| Net operating income to assets | 0.7316% | 3,981 |
| Return on assets (ROA) | 0.7316% | 3,986 |
| Pretax return on assets | 0.9788% | 3,605 |
| Return on Equity (ROE) | 6.3964% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.3964% | 2,551 |
| Net charge-offs to loans | 0.5685% | 261 |
| Credit loss provision to net charge-offs | 222.0280% | 976 |
| Earnings coverage of net charge-offs (x) | 4.2972% | 2,314 |
| Efficiency ratio | 69.3669% | 2,604 |
| Assets per employee ($millions) | 3.9730% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,569 |
| Loan loss allowance to noncurrent loans | 72.0393% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 2.3950% | 399 |
| Noncurrent loans to loans | 2.0452% | 771 |
| Net loans and leases to total assets | 81.5965% | 713 |
| Net loans and leases to deposits | 104.3329% | 463 |
| Net loans and leases to core deposits | 146.0763% | 155 |
| Total domestic deposits to total assets | 78.2078% | 4,698 |
| Equity capital to assets | 11.9705% | 1,814 |
| Core capital (leverage) ratio | 12.5050% | 1,388 |
| Tier 1 risk-based capital ratio | 13.6418% | 3,576 |
| Total risk-based capital ratio | 14.8936% | 3,486 |
| Memoranda: | ||
| Average total assets | $242,749,000 | 2,569 |
| Average earning assets | $212,215,000 | 2,668 |
| Average equity | $27,765,500 | 2,508 |
| Average total loans | $201,248,500 | 2,186 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6023% | 229 |
| Cost of funding earning assets | 1.3552% | 40 |
| Net interest margin | 4.2471% | 1,090 |
| Noninterest income to average assets | 2.6518% | 203 |
| Noninterest expense to average assets | 4.2377% | 401 |
| Loan and lease loss provision to assets | 0.7447% | 159 |
| Net operating income to assets | 0.8719% | 2,855 |
| Return on assets (ROA) | 0.8719% | 2,877 |
| Pretax return on assets | 1.4439% | 1,840 |
| Return on Equity (ROE) | 7.9740% | 2,808 |
| Retained earnings to average equity (ytd only) | 6.0681% | 1,504 |
| Net charge-offs to loans | 0.2229% | 1,162 |
| Credit loss provision to net charge-offs | 408.4034% | 747 |
| Earnings coverage of net charge-offs (x) | 12.0028% | 2,516 |
| Efficiency ratio | 65.9434% | 3,278 |
| Assets per employee ($millions) | 3.4962% | 4,701 |
| Cash dividends to net income (ytd only)* | 23.9016% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 1,454 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 2.4101% | 402 |
| Noncurrent loans to loans | 2.4758% | 542 |
| Net loans and leases to total assets | 81.7702% | 712 |
| Net loans and leases to deposits | 99.5345% | 769 |
| Net loans and leases to core deposits | 143.3544% | 182 |
| Total domestic deposits to total assets | 82.1526% | 3,829 |
| Equity capital to assets | 10.8328% | 2,800 |
| Core capital (leverage) ratio | 10.7568% | 2,584 |
| Tier 1 risk-based capital ratio | 12.4607% | 4,231 |
| Total risk-based capital ratio | 13.7133% | 4,131 |
| Memoranda: | ||
| Average total assets | $195,788,000 | 2,962 |
| Average earning assets | $174,000,200 | 3,025 |
| Average equity | $21,407,200 | 3,005 |
| Average total loans | $160,137,200 | 2,549 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5884% | 226 |
| Cost of funding earning assets | 1.3043% | 45 |
| Net interest margin | 4.2841% | 962 |
| Noninterest income to average assets | 2.7273% | 205 |
| Noninterest expense to average assets | 4.1243% | 445 |
| Loan and lease loss provision to assets | 0.8216% | 130 |
| Net operating income to assets | 1.0146% | 2,498 |
| Return on assets (ROA) | 1.0146% | 2,537 |
| Pretax return on assets | 1.6127% | 1,371 |
| Return on Equity (ROE) | 9.2534% | 2,469 |
| Retained earnings to average equity (ytd only) | 6.6133% | 1,901 |
| Net charge-offs to loans | 0.2945% | 719 |
| Credit loss provision to net charge-offs | 342.6036% | 880 |
| Earnings coverage of net charge-offs (x) | 10.1508% | 2,623 |
| Efficiency ratio | 62.8840% | 3,736 |
| Assets per employee ($millions) | 3.4500% | 4,799 |
| Cash dividends to net income (ytd only)* | 28.5316% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 1,924 |
| Loan loss allowance to noncurrent loans | 62.3855% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 2.2319% | 537 |
| Noncurrent loans to loans | 2.2308% | 730 |
| Net loans and leases to total assets | 82.1832% | 655 |
| Net loans and leases to deposits | 101.7615% | 633 |
| Net loans and leases to core deposits | 144.2906% | 160 |
| Total domestic deposits to total assets | 80.7606% | 4,118 |
| Equity capital to assets | 11.2353% | 2,633 |
| Core capital (leverage) ratio | 11.3879% | 2,114 |
| Tier 1 risk-based capital ratio | 13.3973% | 3,770 |
| Total risk-based capital ratio | 14.6499% | 3,687 |
| Memoranda: | ||
| Average total assets | $187,921,500 | 3,069 |
| Average earning assets | $168,059,750 | 3,127 |
| Average equity | $20,604,500 | 3,095 |
| Average total loans | $153,014,500 | 2,637 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5131% | 241 |
| Cost of funding earning assets | 1.2916% | 38 |
| Net interest margin | 4.2215% | 1,034 |
| Noninterest income to average assets | 2.5624% | 221 |
| Noninterest expense to average assets | 4.0884% | 479 |
| Loan and lease loss provision to assets | 0.9634% | 101 |
| Net operating income to assets | 0.8029% | 3,389 |
| Return on assets (ROA) | 0.8029% | 3,448 |
| Pretax return on assets | 1.2689% | 2,499 |
| Return on Equity (ROE) | 7.3968% | 3,343 |
| Retained earnings to average equity (ytd only) | 3.1760% | 3,821 |
| Net charge-offs to loans | 0.4665% | 429 |
| Credit loss provision to net charge-offs | 256.1194% | 1,061 |
| Earnings coverage of net charge-offs (x) | 5.9343% | 2,762 |
| Efficiency ratio | 64.6829% | 3,557 |
| Assets per employee ($millions) | 3.4085% | 4,854 |
| Cash dividends to net income (ytd only)* | 57.0629% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 2,140 |
| Loan loss allowance to noncurrent loans | 73.9116% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 2.0069% | 635 |
| Noncurrent loans to loans | 1.8347% | 970 |
| Net loans and leases to total assets | 80.4469% | 882 |
| Net loans and leases to deposits | 101.5249% | 633 |
| Net loans and leases to core deposits | 149.4177% | 125 |
| Total domestic deposits to total assets | 79.2386% | 4,577 |
| Equity capital to assets | 10.2982% | 3,569 |
| Core capital (leverage) ratio | 10.5864% | 2,828 |
| Tier 1 risk-based capital ratio | 12.2333% | 4,477 |
| Total risk-based capital ratio | 13.4849% | 4,355 |
| Memoranda: | ||
| Average total assets | $178,111,670 | 3,180 |
| Average earning assets | $158,568,000 | 3,261 |
| Average equity | $19,332,670 | 3,237 |
| Average total loans | $143,637,000 | 2,747 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 243 |
| Cost of funding earning assets | 1.2678% | 41 |
| Net interest margin | 4.2033% | 983 |
| Noninterest income to average assets | 2.2711% | 264 |
| Noninterest expense to average assets | 3.9492% | 572 |
| Loan and lease loss provision to assets | 1.0995% | 79 |
| Net operating income to assets | 0.6122% | 4,102 |
| Return on assets (ROA) | 0.6122% | 4,161 |
| Pretax return on assets | 0.9555% | 3,566 |
| Return on Equity (ROE) | 5.4709% | 4,162 |
| Retained earnings to average equity (ytd only) | -3.2826% | 5,279 |
| Net charge-offs to loans | 0.8872% | 192 |
| Credit loss provision to net charge-offs | 154.7297% | 1,190 |
| Earnings coverage of net charge-offs (x) | 2.8919% | 2,536 |
| Efficiency ratio | 65.7737% | 3,535 |
| Assets per employee ($millions) | 3.4173% | 4,909 |
| Cash dividends to net income (ytd only)* | 160.0000% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,536 |
| Loan loss allowance to noncurrent loans | 70.7021% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 2.0903% | 622 |
| Noncurrent loans to loans | 1.8388% | 1,011 |
| Net loans and leases to total assets | 78.0911% | 1,127 |
| Net loans and leases to deposits | 94.1902% | 1,087 |
| Net loans and leases to core deposits | 136.6766% | 198 |
| Total domestic deposits to total assets | 82.9078% | 3,876 |
| Equity capital to assets | 10.8239% | 2,832 |
| Core capital (leverage) ratio | 11.3091% | 2,097 |
| Tier 1 risk-based capital ratio | 13.3203% | 3,874 |
| Total risk-based capital ratio | 14.5709% | 3,792 |
| Memoranda: | ||
| Average total assets | $166,615,500 | 3,349 |
| Average earning assets | $147,977,500 | 3,425 |
| Average equity | $18,644,000 | 3,327 |
| Average total loans | $133,452,500 | 2,912 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2279% | 95 |
| Cost of funding earning assets | 1.1229% | 84 |
| Net interest margin | 5.1050% | 207 |
| Noninterest income to average assets | 4.2661% | 139 |
| Noninterest expense to average assets | 5.0060% | 258 |
| Loan and lease loss provision to assets | 0.7584% | 150 |
| Net operating income to assets | 1.8209% | 426 |
| Return on assets (ROA) | 1.8209% | 445 |
| Pretax return on assets | 2.9492% | 117 |
| Return on Equity (ROE) | 13.6580% | 832 |
| Retained earnings to average equity (ytd only) | 11.7498% | 239 |
| Net charge-offs to loans | 0.5195% | 468 |
| Credit loss provision to net charge-offs | 185.6582% | 1,516 |
| Earnings coverage of net charge-offs (x) | 9.0766% | 2,789 |
| Efficiency ratio | 57.4507% | 4,910 |
| Assets per employee ($millions) | 3.0423% | 5,315 |
| Cash dividends to net income (ytd only)* | 13.9709% | 3,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 2,180 |
| Loan loss allowance to noncurrent loans | 68.2438% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 2.3699% | 521 |
| Noncurrent loans to loans | 2.0177% | 886 |
| Net loans and leases to total assets | 80.1398% | 878 |
| Net loans and leases to deposits | 108.1180% | 269 |
| Net loans and leases to core deposits | 146.6890% | 136 |
| Total domestic deposits to total assets | 74.1225% | 5,433 |
| Equity capital to assets | 11.6256% | 2,063 |
| Core capital (leverage) ratio | 11.6176% | 1,849 |
| Tier 1 risk-based capital ratio | 14.2038% | 3,347 |
| Total risk-based capital ratio | 15.4572% | 3,273 |
| Memoranda: | ||
| Average total assets | $124,611,000 | 3,914 |
| Average earning assets | $108,560,000 | 4,032 |
| Average equity | $16,613,000 | 3,607 |
| Average total loans | $97,980,800 | 3,424 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2660% | 88 |
| Cost of funding earning assets | 1.1116% | 88 |
| Net interest margin | 5.1544% | 188 |
| Noninterest income to average assets | 3.7801% | 156 |
| Noninterest expense to average assets | 5.0054% | 265 |
| Loan and lease loss provision to assets | 0.5662% | 205 |
| Net operating income to assets | 1.6522% | 657 |
| Return on assets (ROA) | 1.6522% | 692 |
| Pretax return on assets | 2.6771% | 171 |
| Return on Equity (ROE) | 11.9012% | 1,358 |
| Retained earnings to average equity (ytd only) | 9.3154% | 731 |
| Net charge-offs to loans | 0.3989% | 542 |
| Credit loss provision to net charge-offs | 182.4818% | 1,542 |
| Earnings coverage of net charge-offs (x) | 10.4527% | 2,574 |
| Efficiency ratio | 60.6809% | 4,445 |
| Assets per employee ($millions) | 3.0628% | 5,329 |
| Cash dividends to net income (ytd only)* | 21.7275% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 2,521 |
| Loan loss allowance to noncurrent loans | 47.7731% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 3.3652% | 304 |
| Noncurrent loans to loans | 2.7901% | 575 |
| Net loans and leases to total assets | 81.8979% | 637 |
| Net loans and leases to deposits | 113.9036% | 185 |
| Net loans and leases to core deposits | 151.6336% | 116 |
| Total domestic deposits to total assets | 71.9010% | 5,600 |
| Equity capital to assets | 12.6904% | 1,652 |
| Core capital (leverage) ratio | 12.5563% | 1,376 |
| Tier 1 risk-based capital ratio | 15.6983% | 2,755 |
| Total risk-based capital ratio | 16.9506% | 2,686 |
| Memoranda: | ||
| Average total assets | $117,735,500 | 4,058 |
| Average earning assets | $102,071,750 | 4,187 |
| Average equity | $16,345,250 | 3,678 |
| Average total loans | $91,574,750 | 3,563 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2048% | 99 |
| Cost of funding earning assets | 1.0569% | 116 |
| Net interest margin | 5.1479% | 190 |
| Noninterest income to average assets | 3.3500% | 175 |
| Noninterest expense to average assets | 4.8670% | 290 |
| Loan and lease loss provision to assets | 0.4105% | 366 |
| Net operating income to assets | 1.5456% | 813 |
| Return on assets (ROA) | 1.5456% | 856 |
| Pretax return on assets | 2.5058% | 217 |
| Return on Equity (ROE) | 10.7624% | 1,732 |
| Retained earnings to average equity (ytd only) | 6.8228% | 1,705 |
| Net charge-offs to loans | 0.0566% | 2,382 |
| Credit loss provision to net charge-offs | 958.3333% | 389 |
| Earnings coverage of net charge-offs (x) | 68.0833% | 795 |
| Efficiency ratio | 62.5315% | 4,262 |
| Assets per employee ($millions) | 3.0924% | 5,331 |
| Cash dividends to net income (ytd only)* | 36.6051% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 1,618 |
| Loan loss allowance to noncurrent loans | 59.0599% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.4505% | 575 |
| Noncurrent loans to loans | 2.6574% | 628 |
| Net loans and leases to total assets | 72.7124% | 2,055 |
| Net loans and leases to deposits | 98.8050% | 808 |
| Net loans and leases to core deposits | 126.8622% | 354 |
| Total domestic deposits to total assets | 73.5918% | 5,562 |
| Equity capital to assets | 12.9994% | 1,502 |
| Core capital (leverage) ratio | 13.9425% | 836 |
| Tier 1 risk-based capital ratio | 17.2044% | 2,154 |
| Total risk-based capital ratio | 18.4595% | 2,117 |
| Memoranda: | ||
| Average total assets | $112,059,670 | 4,186 |
| Average earning assets | $96,506,000 | 4,336 |
| Average equity | $16,093,000 | 3,716 |
| Average total loans | $84,813,330 | 3,725 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4649% | 78 |
| Cost of funding earning assets | 1.1574% | 66 |
| Net interest margin | 5.3076% | 149 |
| Noninterest income to average assets | 2.7509% | 223 |
| Noninterest expense to average assets | 4.8102% | 304 |
| Loan and lease loss provision to assets | 0.1910% | 1,035 |
| Net operating income to assets | 1.3793% | 1,080 |
| Return on assets (ROA) | 1.3793% | 1,136 |
| Pretax return on assets | 2.2351% | 358 |
| Return on Equity (ROE) | 9.0826% | 2,388 |
| Retained earnings to average equity (ytd only) | 9.0826% | 1,096 |
| Net charge-offs to loans | -0.0100% | 4,531 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4731% | 3,721 |
| Assets per employee ($millions) | 2.4110% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 1,864 |
| Loan loss allowance to noncurrent loans | 68.1324% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 2.7318% | 508 |
| Noncurrent loans to loans | 2.2445% | 903 |
| Net loans and leases to total assets | 79.9419% | 820 |
| Net loans and leases to deposits | 108.1877% | 277 |
| Net loans and leases to core deposits | 115.9427% | 594 |
| Total domestic deposits to total assets | 73.8919% | 5,616 |
| Equity capital to assets | 15.3202% | 631 |
| Core capital (leverage) ratio | 14.6451% | 674 |
| Tier 1 risk-based capital ratio | 19.5920% | 1,591 |
| Total risk-based capital ratio | 20.8497% | 1,557 |
| Memoranda: | ||
| Average total assets | $104,694,500 | 4,376 |
| Average earning assets | $88,477,500 | 4,538 |
| Average equity | $15,898,500 | 3,749 |
| Average total loans | $80,389,000 | 3,846 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8802% | 62 |
| Cost of funding earning assets | 1.1890% | 59 |
| Net interest margin | 5.6913% | 95 |
| Noninterest income to average assets | 4.3948% | 144 |
| Noninterest expense to average assets | 4.9245% | 292 |
| Loan and lease loss provision to assets | 0.6206% | 165 |
| Net operating income to assets | 2.2358% | 237 |
| Return on assets (ROA) | 2.2358% | 242 |
| Pretax return on assets | 3.6055% | 84 |
| Return on Equity (ROE) | 16.1489% | 542 |
| Retained earnings to average equity (ytd only) | 15.6492% | 121 |
| Net charge-offs to loans | 0.7567% | 305 |
| Credit loss provision to net charge-offs | 108.7121% | 2,321 |
| Earnings coverage of net charge-offs (x) | 7.4034% | 3,084 |
| Efficiency ratio | 53.5681% | 5,549 |
| Assets per employee ($millions) | 2.7921% | 5,710 |
| Cash dividends to net income (ytd only)* | 3.0948% | 4,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 1,361 |
| Loan loss allowance to noncurrent loans | 168.6667% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 1.7869% | 1,064 |
| Noncurrent loans to loans | 1.0046% | 2,331 |
| Net loans and leases to total assets | 71.0426% | 2,189 |
| Net loans and leases to deposits | 96.1434% | 989 |
| Net loans and leases to core deposits | 102.4270% | 1,331 |
| Total domestic deposits to total assets | 73.8924% | 5,661 |
| Equity capital to assets | 15.0474% | 660 |
| Core capital (leverage) ratio | 14.8023% | 652 |
| Tier 1 risk-based capital ratio | 21.2054% | 1,264 |
| Total risk-based capital ratio | 22.4617% | 1,243 |
| Memoranda: | ||
| Average total assets | $92,496,600 | 4,618 |
| Average earning assets | $77,294,000 | 4,779 |
| Average equity | $12,805,800 | 4,172 |
| Average total loans | $69,774,600 | 4,095 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7870% | 66 |
| Cost of funding earning assets | 1.1893% | 62 |
| Net interest margin | 5.5977% | 108 |
| Noninterest income to average assets | 4.1457% | 151 |
| Noninterest expense to average assets | 4.6980% | 364 |
| Loan and lease loss provision to assets | 0.5672% | 168 |
| Net operating income to assets | 2.2198% | 250 |
| Return on assets (ROA) | 2.2198% | 262 |
| Pretax return on assets | 3.5978% | 87 |
| Return on Equity (ROE) | 16.4448% | 539 |
| Retained earnings to average equity (ytd only) | 15.7409% | 138 |
| Net charge-offs to loans | 0.6204% | 359 |
| Credit loss provision to net charge-offs | 119.7492% | 1,989 |
| Earnings coverage of net charge-offs (x) | 8.7932% | 2,767 |
| Efficiency ratio | 52.6554% | 5,606 |
| Assets per employee ($millions) | 2.7527% | 5,797 |
| Cash dividends to net income (ytd only)* | 4.2809% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7406% | 1,384 |
| Loan loss allowance to noncurrent loans | 105.5144% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 2.9416% | 528 |
| Noncurrent loans to loans | 1.6497% | 1,494 |
| Net loans and leases to total assets | 75.1160% | 1,526 |
| Net loans and leases to deposits | 96.4431% | 964 |
| Net loans and leases to core deposits | 102.8816% | 1,312 |
| Total domestic deposits to total assets | 77.8863% | 5,205 |
| Equity capital to assets | 14.8490% | 776 |
| Core capital (leverage) ratio | 14.3645% | 766 |
| Tier 1 risk-based capital ratio | 20.9575% | 1,345 |
| Total risk-based capital ratio | 22.2158% | 1,320 |
| Memoranda: | ||
| Average total assets | $89,794,000 | 4,731 |
| Average earning assets | $75,672,250 | 4,875 |
| Average equity | $12,121,000 | 4,334 |
| Average total loans | $68,554,000 | 4,168 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6869% | 71 |
| Cost of funding earning assets | 1.1910% | 61 |
| Net interest margin | 5.4959% | 124 |
| Noninterest income to average assets | 5.3601% | 122 |
| Noninterest expense to average assets | 4.9126% | 308 |
| Loan and lease loss provision to assets | 0.7579% | 109 |
| Net operating income to assets | 2.6755% | 132 |
| Return on assets (ROA) | 2.6755% | 138 |
| Pretax return on assets | 4.3351% | 70 |
| Return on Equity (ROE) | 20.5746% | 245 |
| Retained earnings to average equity (ytd only) | 19.4511% | 78 |
| Net charge-offs to loans | 0.9244% | 222 |
| Credit loss provision to net charge-offs | 107.4434% | 1,956 |
| Earnings coverage of net charge-offs (x) | 7.2201% | 2,697 |
| Efficiency ratio | 48.9163% | 5,909 |
| Assets per employee ($millions) | 2.7805% | 5,829 |
| Cash dividends to net income (ytd only)* | 5.4608% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 1,330 |
| Loan loss allowance to noncurrent loans | 88.6591% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.3500% | 845 |
| Noncurrent loans to loans | 2.0558% | 1,175 |
| Net loans and leases to total assets | 75.2498% | 1,472 |
| Net loans and leases to deposits | 94.2099% | 1,130 |
| Net loans and leases to core deposits | 100.1646% | 1,478 |
| Total domestic deposits to total assets | 79.8746% | 4,899 |
| Equity capital to assets | 13.3574% | 1,239 |
| Core capital (leverage) ratio | 13.0161% | 1,157 |
| Tier 1 risk-based capital ratio | 19.1386% | 1,764 |
| Total risk-based capital ratio | 20.3997% | 1,730 |
| Memoranda: | ||
| Average total assets | $87,611,000 | 4,821 |
| Average earning assets | $74,055,000 | 4,960 |
| Average equity | $11,392,670 | 4,487 |
| Average total loans | $66,855,000 | 4,245 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7744% | 69 |
| Cost of funding earning assets | 1.2177% | 55 |
| Net interest margin | 5.5567% | 114 |
| Noninterest income to average assets | 5.3147% | 121 |
| Noninterest expense to average assets | 4.8040% | 343 |
| Loan and lease loss provision to assets | 0.6902% | 134 |
| Net operating income to assets | 2.7655% | 101 |
| Return on assets (ROA) | 2.7655% | 111 |
| Pretax return on assets | 4.4819% | 71 |
| Return on Equity (ROE) | 21.5673% | 202 |
| Retained earnings to average equity (ytd only) | 21.5673% | 75 |
| Net charge-offs to loans | 0.9610% | 247 |
| Credit loss provision to net charge-offs | 94.3396% | 1,713 |
| Earnings coverage of net charge-offs (x) | 7.0692% | 2,212 |
| Efficiency ratio | 47.9705% | 6,020 |
| Assets per employee ($millions) | 2.6685% | 5,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8297% | 1,432 |
| Loan loss allowance to noncurrent loans | 66.4470% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 3.0026% | 632 |
| Noncurrent loans to loans | 2.7536% | 846 |
| Net loans and leases to total assets | 76.0261% | 1,202 |
| Net loans and leases to deposits | 90.4154% | 1,349 |
| Net loans and leases to core deposits | 97.2191% | 1,539 |
| Total domestic deposits to total assets | 84.0853% | 3,791 |
| Equity capital to assets | 13.4250% | 1,202 |
| Core capital (leverage) ratio | 12.1014% | 1,573 |
| Tier 1 risk-based capital ratio | 18.9012% | 1,900 |
| Total risk-based capital ratio | 20.1620% | 1,856 |
| Memoranda: | ||
| Average total assets | $86,928,000 | 4,881 |
| Average earning assets | $72,921,500 | 5,027 |
| Average equity | $11,146,500 | 4,571 |
| Average total loans | $66,183,500 | 4,296 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7987% | 76 |
| Cost of funding earning assets | 1.2537% | 65 |
| Net interest margin | 5.5450% | 125 |
| Noninterest income to average assets | 3.1450% | 182 |
| Noninterest expense to average assets | 4.4087% | 499 |
| Loan and lease loss provision to assets | 0.2250% | 1,091 |
| Net operating income to assets | 2.0262% | 313 |
| Return on assets (ROA) | 2.0262% | 323 |
| Pretax return on assets | 3.2550% | 94 |
| Return on Equity (ROE) | 16.3943% | 568 |
| Retained earnings to average equity (ytd only) | 16.3943% | 116 |
| Net charge-offs to loans | 0.7983% | 440 |
| Credit loss provision to net charge-offs | 38.2166% | 3,708 |
| Earnings coverage of net charge-offs (x) | 5.9108% | 3,321 |
| Efficiency ratio | 55.6172% | 5,705 |
| Assets per employee ($millions) | 2.7645% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 1,452 |
| Loan loss allowance to noncurrent loans | 102.8692% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 2.3682% | 991 |
| Noncurrent loans to loans | 1.7891% | 1,609 |
| Net loans and leases to total assets | 73.4963% | 1,667 |
| Net loans and leases to deposits | 87.3133% | 1,812 |
| Net loans and leases to core deposits | 94.4273% | 1,878 |
| Total domestic deposits to total assets | 84.1753% | 3,638 |
| Equity capital to assets | 12.2413% | 1,830 |
| Core capital (leverage) ratio | 11.7357% | 1,807 |
| Tier 1 risk-based capital ratio | 19.1376% | 1,805 |
| Total risk-based capital ratio | 20.4005% | 1,774 |
| Memoranda: | ||
| Average total assets | $80,000,400 | 5,062 |
| Average earning assets | $68,439,800 | 5,161 |
| Average equity | $9,887,600 | 4,772 |
| Average total loans | $59,002,200 | 4,520 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5865% | 85 |
| Cost of funding earning assets | 1.2519% | 70 |
| Net interest margin | 5.3346% | 169 |
| Noninterest income to average assets | 2.9119% | 196 |
| Noninterest expense to average assets | 4.2506% | 584 |
| Loan and lease loss provision to assets | 0.2311% | 957 |
| Net operating income to assets | 1.8762% | 441 |
| Return on assets (ROA) | 1.8762% | 455 |
| Pretax return on assets | 3.0403% | 112 |
| Return on Equity (ROE) | 15.1395% | 797 |
| Retained earnings to average equity (ytd only) | 15.1395% | 197 |
| Net charge-offs to loans | 0.7576% | 446 |
| Credit loss provision to net charge-offs | 41.5385% | 3,266 |
| Earnings coverage of net charge-offs (x) | 5.8800% | 3,181 |
| Efficiency ratio | 56.2358% | 5,641 |
| Assets per employee ($millions) | 3.2133% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0410% | 1,182 |
| Loan loss allowance to noncurrent loans | 119.3665% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 2.7206% | 920 |
| Noncurrent loans to loans | 1.7099% | 1,904 |
| Net loans and leases to total assets | 75.7717% | 1,250 |
| Net loans and leases to deposits | 86.6183% | 1,839 |
| Net loans and leases to core deposits | 93.7991% | 1,891 |
| Total domestic deposits to total assets | 87.4777% | 2,038 |
| Equity capital to assets | 12.2554% | 1,862 |
| Core capital (leverage) ratio | 11.3232% | 2,193 |
| Tier 1 risk-based capital ratio | 16.5882% | 2,777 |
| Total risk-based capital ratio | 17.8527% | 2,727 |
| Memoranda: | ||
| Average total assets | $77,884,750 | 5,171 |
| Average earning assets | $67,307,250 | 5,245 |
| Average equity | $9,652,250 | 4,864 |
| Average total loans | $57,193,750 | 4,619 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5786% | 88 |
| Cost of funding earning assets | 1.2733% | 67 |
| Net interest margin | 5.3053% | 169 |
| Noninterest income to average assets | 3.2764% | 172 |
| Noninterest expense to average assets | 4.2054% | 595 |
| Loan and lease loss provision to assets | 0.2369% | 958 |
| Net operating income to assets | 2.0817% | 283 |
| Return on assets (ROA) | 2.0817% | 297 |
| Pretax return on assets | 3.3738% | 92 |
| Return on Equity (ROE) | 16.7289% | 582 |
| Retained earnings to average equity (ytd only) | 16.7289% | 150 |
| Net charge-offs to loans | 1.3232% | 223 |
| Credit loss provision to net charge-offs | 24.8619% | 3,122 |
| Earnings coverage of net charge-offs (x) | 3.7901% | 3,216 |
| Efficiency ratio | 53.5354% | 5,948 |
| Assets per employee ($millions) | 3.0687% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0140% | 1,336 |
| Loan loss allowance to noncurrent loans | 124.2972% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 2.7411% | 957 |
| Noncurrent loans to loans | 1.6203% | 2,145 |
| Net loans and leases to total assets | 75.4932% | 1,235 |
| Net loans and leases to deposits | 86.4758% | 1,776 |
| Net loans and leases to core deposits | 94.0039% | 1,778 |
| Total domestic deposits to total assets | 87.2998% | 2,295 |
| Equity capital to assets | 12.4320% | 1,689 |
| Core capital (leverage) ratio | 11.4719% | 2,029 |
| Tier 1 risk-based capital ratio | 15.5775% | 3,312 |
| Total risk-based capital ratio | 16.8401% | 3,258 |
| Memoranda: | ||
| Average total assets | $75,997,330 | 5,252 |
| Average earning assets | $65,029,000 | 5,351 |
| Average equity | $9,456,670 | 4,919 |
| Average total loans | $54,717,000 | 4,727 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4977% | 91 |
| Cost of funding earning assets | 1.3200% | 56 |
| Net interest margin | 5.1776% | 192 |
| Noninterest income to average assets | 2.8123% | 204 |
| Noninterest expense to average assets | 4.1132% | 665 |
| Loan and lease loss provision to assets | 0.2429% | 898 |
| Net operating income to assets | 1.7381% | 537 |
| Return on assets (ROA) | 1.7381% | 554 |
| Pretax return on assets | 2.8177% | 161 |
| Return on Equity (ROE) | 13.9613% | 952 |
| Retained earnings to average equity (ytd only) | 13.9613% | 398 |
| Net charge-offs to loans | 0.6545% | 565 |
| Credit loss provision to net charge-offs | 53.5714% | 2,167 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 2,193 |
| Efficiency ratio | 57.0354% | 5,753 |
| Assets per employee ($millions) | 3.1987% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8538% | 507 |
| Loan loss allowance to noncurrent loans | 129.0351% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 3.1331% | 880 |
| Noncurrent loans to loans | 2.2117% | 1,639 |
| Net loans and leases to total assets | 68.0631% | 2,213 |
| Net loans and leases to deposits | 78.2822% | 2,509 |
| Net loans and leases to core deposits | 85.0110% | 2,422 |
| Total domestic deposits to total assets | 86.9458% | 2,850 |
| Equity capital to assets | 12.7756% | 1,414 |
| Core capital (leverage) ratio | 10.8816% | 2,507 |
| Tier 1 risk-based capital ratio | 16.4815% | 2,905 |
| Total risk-based capital ratio | 17.7544% | 2,863 |
| Memoranda: | ||
| Average total assets | $74,103,000 | 5,337 |
| Average earning assets | $62,422,500 | 5,489 |
| Average equity | $9,225,500 | 4,995 |
| Average total loans | $51,340,000 | 4,887 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7015% | 266 |
| Cost of funding earning assets | 1.3834% | 76 |
| Net interest margin | 4.3182% | 1,065 |
| Noninterest income to average assets | 1.7891% | 468 |
| Noninterest expense to average assets | 4.0551% | 820 |
| Loan and lease loss provision to assets | 0.2240% | 1,625 |
| Net operating income to assets | 0.7544% | 3,522 |
| Return on assets (ROA) | 0.7544% | 3,615 |
| Pretax return on assets | 1.2226% | 2,490 |
| Return on Equity (ROE) | 5.8596% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.8596% | 2,063 |
| Net charge-offs to loans | 0.6955% | 931 |
| Credit loss provision to net charge-offs | 46.4072% | 3,904 |
| Earnings coverage of net charge-offs (x) | 2.9970% | 3,996 |
| Efficiency ratio | 73.2598% | 3,250 |
| Assets per employee ($millions) | 3.2450% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9510% | 501 |
| Loan loss allowance to noncurrent loans | 98.9508% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 3.6055% | 790 |
| Noncurrent loans to loans | 2.9823% | 1,153 |
| Net loans and leases to total assets | 66.4907% | 2,615 |
| Net loans and leases to deposits | 75.9179% | 2,975 |
| Net loans and leases to core deposits | 82.1378% | 2,880 |
| Total domestic deposits to total assets | 87.5824% | 2,429 |
| Equity capital to assets | 12.1282% | 1,726 |
| Core capital (leverage) ratio | 11.0721% | 2,323 |
| Tier 1 risk-based capital ratio | 15.1870% | 3,551 |
| Total risk-based capital ratio | 16.4612% | 3,488 |
| Memoranda: | ||
| Average total assets | $69,197,200 | 5,503 |
| Average earning assets | $59,492,600 | 5,607 |
| Average equity | $8,908,400 | 5,108 |
| Average total loans | $48,025,600 | 5,023 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7422% | 259 |
| Cost of funding earning assets | 1.4252% | 70 |
| Net interest margin | 4.3169% | 1,058 |
| Noninterest income to average assets | 1.8003% | 483 |
| Noninterest expense to average assets | 4.0036% | 854 |
| Loan and lease loss provision to assets | 0.3046% | 1,114 |
| Net operating income to assets | 0.7370% | 3,666 |
| Return on assets (ROA) | 0.7370% | 3,796 |
| Pretax return on assets | 1.1950% | 2,718 |
| Return on Equity (ROE) | 5.6353% | 4,393 |
| Retained earnings to average equity (ytd only) | 5.6353% | 2,642 |
| Net charge-offs to loans | 0.7958% | 742 |
| Credit loss provision to net charge-offs | 54.9645% | 3,400 |
| Earnings coverage of net charge-offs (x) | 2.7057% | 3,935 |
| Efficiency ratio | 72.3214% | 3,343 |
| Assets per employee ($millions) | 2.7428% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2235% | 442 |
| Loan loss allowance to noncurrent loans | 142.3883% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 3.5761% | 932 |
| Noncurrent loans to loans | 2.2639% | 1,938 |
| Net loans and leases to total assets | 71.2408% | 1,738 |
| Net loans and leases to deposits | 82.6227% | 2,053 |
| Net loans and leases to core deposits | 91.3848% | 1,833 |
| Total domestic deposits to total assets | 86.2243% | 3,120 |
| Equity capital to assets | 13.5661% | 1,094 |
| Core capital (leverage) ratio | 11.0289% | 2,453 |
| Tier 1 risk-based capital ratio | 15.7701% | 3,317 |
| Total risk-based capital ratio | 17.0469% | 3,256 |
| Memoranda: | ||
| Average total assets | $67,837,500 | 5,599 |
| Average earning assets | $58,188,000 | 5,706 |
| Average equity | $8,872,500 | 5,173 |
| Average total loans | $47,248,250 | 5,102 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6291% | 301 |
| Cost of funding earning assets | 1.4098% | 77 |
| Net interest margin | 4.2193% | 1,227 |
| Noninterest income to average assets | 2.1019% | 415 |
| Noninterest expense to average assets | 3.9528% | 915 |
| Loan and lease loss provision to assets | 0.2803% | 1,304 |
| Net operating income to assets | 0.9225% | 2,690 |
| Return on assets (ROA) | 0.9225% | 2,828 |
| Pretax return on assets | 1.4947% | 1,631 |
| Return on Equity (ROE) | 7.1386% | 3,524 |
| Retained earnings to average equity (ytd only) | 7.1386% | 1,825 |
| Net charge-offs to loans | 1.0033% | 606 |
| Credit loss provision to net charge-offs | 40.8511% | 3,405 |
| Earnings coverage of net charge-offs (x) | 2.5872% | 3,657 |
| Efficiency ratio | 68.6035% | 4,082 |
| Assets per employee ($millions) | 2.6793% | 6,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2914% | 437 |
| Loan loss allowance to noncurrent loans | 106.8966% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 3.9981% | 862 |
| Noncurrent loans to loans | 3.0791% | 1,440 |
| Net loans and leases to total assets | 67.9914% | 2,232 |
| Net loans and leases to deposits | 78.5451% | 2,510 |
| Net loans and leases to core deposits | 86.3748% | 2,301 |
| Total domestic deposits to total assets | 86.5636% | 3,085 |
| Equity capital to assets | 13.2752% | 1,230 |
| Core capital (leverage) ratio | 10.7363% | 2,630 |
| Tier 1 risk-based capital ratio | 15.5568% | 3,448 |
| Total risk-based capital ratio | 16.8347% | 3,386 |
| Memoranda: | ||
| Average total assets | $68,508,000 | 5,620 |
| Average earning assets | $58,872,330 | 5,729 |
| Average equity | $8,853,330 | 5,213 |
| Average total loans | $46,845,330 | 5,143 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4913% | 376 |
| Cost of funding earning assets | 1.3895% | 101 |
| Net interest margin | 4.1017% | 1,459 |
| Noninterest income to average assets | 1.8998% | 460 |
| Noninterest expense to average assets | 3.7361% | 1,193 |
| Loan and lease loss provision to assets | 0.2829% | 1,248 |
| Net operating income to assets | 0.8835% | 2,733 |
| Return on assets (ROA) | 0.8835% | 2,877 |
| Pretax return on assets | 1.4263% | 1,782 |
| Return on Equity (ROE) | 6.9278% | 3,527 |
| Retained earnings to average equity (ytd only) | 6.9278% | 2,186 |
| Net charge-offs to loans | 0.3168% | 1,698 |
| Credit loss provision to net charge-offs | 132.4324% | 1,493 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,991 |
| Efficiency ratio | 68.1866% | 4,276 |
| Assets per employee ($millions) | 2.7136% | 6,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6871% | 366 |
| Loan loss allowance to noncurrent loans | 98.3237% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 4.4133% | 849 |
| Noncurrent loans to loans | 3.7499% | 1,242 |
| Net loans and leases to total assets | 65.4968% | 2,458 |
| Net loans and leases to deposits | 75.6255% | 2,695 |
| Net loans and leases to core deposits | 83.7979% | 2,343 |
| Total domestic deposits to total assets | 86.6067% | 3,175 |
| Equity capital to assets | 13.1427% | 1,361 |
| Core capital (leverage) ratio | 10.3189% | 3,006 |
| Tier 1 risk-based capital ratio | 15.1558% | 3,734 |
| Total risk-based capital ratio | 16.4381% | 3,663 |
| Memoranda: | ||
| Average total assets | $69,271,000 | 5,645 |
| Average earning assets | $59,877,000 | 5,749 |
| Average equity | $8,834,000 | 5,264 |
| Average total loans | $46,722,000 | 5,182 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4510% | 687 |
| Cost of funding earning assets | 1.4811% | 181 |
| Net interest margin | 3.9699% | 2,526 |
| Noninterest income to average assets | 1.5783% | 635 |
| Noninterest expense to average assets | 4.0002% | 974 |
| Loan and lease loss provision to assets | 0.4102% | 1,571 |
| Net operating income to assets | 0.3828% | 5,166 |
| Return on assets (ROA) | 0.5864% | 4,563 |
| Pretax return on assets | 0.9513% | 3,738 |
| Return on Equity (ROE) | 4.4837% | 4,941 |
| Retained earnings to average equity (ytd only) | 4.4837% | 3,078 |
| Net charge-offs to loans | 0.7488% | 1,565 |
| Credit loss provision to net charge-offs | 75.1429% | 4,000 |
| Earnings coverage of net charge-offs (x) | 1.9114% | 4,465 |
| Efficiency ratio | 78.7879% | 2,310 |
| Assets per employee ($millions) | 2.8281% | 6,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5701% | 406 |
| Loan loss allowance to noncurrent loans | 83.7382% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 4.7283% | 848 |
| Noncurrent loans to loans | 4.2634% | 1,041 |
| Net loans and leases to total assets | 64.5258% | 2,807 |
| Net loans and leases to deposits | 73.8419% | 3,113 |
| Net loans and leases to core deposits | 81.4632% | 2,830 |
| Total domestic deposits to total assets | 87.3837% | 2,586 |
| Equity capital to assets | 12.3787% | 1,804 |
| Core capital (leverage) ratio | 10.4613% | 2,814 |
| Tier 1 risk-based capital ratio | 13.9505% | 4,405 |
| Total risk-based capital ratio | 15.2286% | 4,359 |
| Memoranda: | ||
| Average total assets | $64,121,200 | 5,812 |
| Average earning assets | $55,971,000 | 5,865 |
| Average equity | $8,386,000 | 5,396 |
| Average total loans | $46,741,400 | 5,219 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5543% | 609 |
| Cost of funding earning assets | 1.5464% | 161 |
| Net interest margin | 4.0079% | 2,474 |
| Noninterest income to average assets | 1.5088% | 653 |
| Noninterest expense to average assets | 3.8478% | 1,129 |
| Loan and lease loss provision to assets | 0.4652% | 1,331 |
| Net operating income to assets | 0.4171% | 5,178 |
| Return on assets (ROA) | 0.6957% | 4,182 |
| Pretax return on assets | 1.1268% | 3,246 |
| Return on Equity (ROE) | 5.2403% | 4,710 |
| Retained earnings to average equity (ytd only) | 5.2403% | 3,197 |
| Net charge-offs to loans | 1.0644% | 983 |
| Credit loss provision to net charge-offs | 58.6022% | 4,188 |
| Earnings coverage of net charge-offs (x) | 1.4570% | 4,559 |
| Efficiency ratio | 76.3753% | 2,614 |
| Assets per employee ($millions) | 2.6755% | 6,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3989% | 512 |
| Loan loss allowance to noncurrent loans | 42.8081% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 7.0707% | 507 |
| Noncurrent loans to loans | 7.9397% | 400 |
| Net loans and leases to total assets | 74.9155% | 1,123 |
| Net loans and leases to deposits | 87.1027% | 1,467 |
| Net loans and leases to core deposits | 96.7938% | 1,346 |
| Total domestic deposits to total assets | 86.0082% | 3,256 |
| Equity capital to assets | 13.7546% | 1,251 |
| Core capital (leverage) ratio | 10.5648% | 2,846 |
| Tier 1 risk-based capital ratio | 14.1111% | 4,447 |
| Total risk-based capital ratio | 15.3904% | 4,386 |
| Memoranda: | ||
| Average total assets | $62,476,000 | 5,931 |
| Average earning assets | $54,491,000 | 5,978 |
| Average equity | $8,294,500 | 5,480 |
| Average total loans | $46,599,250 | 5,291 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6781% | 506 |
| Cost of funding earning assets | 1.6082% | 148 |
| Net interest margin | 4.0699% | 2,209 |
| Noninterest income to average assets | 1.6468% | 548 |
| Noninterest expense to average assets | 4.0166% | 923 |
| Loan and lease loss provision to assets | 0.4013% | 1,634 |
| Net operating income to assets | 0.4605% | 4,996 |
| Return on assets (ROA) | 0.8091% | 3,618 |
| Pretax return on assets | 1.3123% | 2,510 |
| Return on Equity (ROE) | 6.1665% | 4,232 |
| Retained earnings to average equity (ytd only) | 6.1665% | 2,593 |
| Net charge-offs to loans | 0.7528% | 1,463 |
| Credit loss provision to net charge-offs | 72.4138% | 3,504 |
| Earnings coverage of net charge-offs (x) | 2.1092% | 3,931 |
| Efficiency ratio | 76.9656% | 2,596 |
| Assets per employee ($millions) | 2.3589% | 6,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7236% | 419 |
| Loan loss allowance to noncurrent loans | 61.6702% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 5.3708% | 849 |
| Noncurrent loans to loans | 6.0379% | 723 |
| Net loans and leases to total assets | 72.8478% | 1,415 |
| Net loans and leases to deposits | 84.7992% | 1,745 |
| Net loans and leases to core deposits | 94.2038% | 1,585 |
| Total domestic deposits to total assets | 85.9062% | 3,400 |
| Equity capital to assets | 13.7383% | 1,199 |
| Core capital (leverage) ratio | 10.3290% | 3,013 |
| Tier 1 risk-based capital ratio | 14.4051% | 4,173 |
| Total risk-based capital ratio | 15.7119% | 4,093 |
| Memoranda: | ||
| Average total assets | $62,789,330 | 5,954 |
| Average earning assets | $54,595,670 | 6,013 |
| Average equity | $8,238,000 | 5,505 |
| Average total loans | $46,225,000 | 5,335 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3559% | 996 |
| Cost of funding earning assets | 1.6447% | 154 |
| Net interest margin | 3.7113% | 3,778 |
| Noninterest income to average assets | 1.3728% | 769 |
| Noninterest expense to average assets | 3.7533% | 1,294 |
| Loan and lease loss provision to assets | 0.1637% | 3,343 |
| Net operating income to assets | 0.4363% | 5,101 |
| Return on assets (ROA) | 0.8313% | 3,475 |
| Pretax return on assets | 1.3414% | 2,385 |
| Return on Equity (ROE) | 6.4833% | 4,050 |
| Retained earnings to average equity (ytd only) | 6.4833% | 2,699 |
| Net charge-offs to loans | 1.3006% | 783 |
| Credit loss provision to net charge-offs | 17.3333% | 3,816 |
| Earnings coverage of net charge-offs (x) | 0.9400% | 3,857 |
| Efficiency ratio | 80.3256% | 2,158 |
| Assets per employee ($millions) | 2.2267% | 7,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5525% | 517 |
| Loan loss allowance to noncurrent loans | 47.5683% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 5.8928% | 806 |
| Noncurrent loans to loans | 7.4681% | 566 |
| Net loans and leases to total assets | 71.9810% | 1,403 |
| Net loans and leases to deposits | 83.2477% | 1,764 |
| Net loans and leases to core deposits | 93.4666% | 1,507 |
| Total domestic deposits to total assets | 86.4661% | 3,268 |
| Equity capital to assets | 13.1490% | 1,378 |
| Core capital (leverage) ratio | 9.4769% | 4,086 |
| Tier 1 risk-based capital ratio | 13.5060% | 4,823 |
| Total risk-based capital ratio | 14.7882% | 4,787 |
| Memoranda: | ||
| Average total assets | $63,518,000 | 5,971 |
| Average earning assets | $55,938,000 | 6,006 |
| Average equity | $8,144,000 | 5,549 |
| Average total loans | $46,134,000 | 5,373 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7205% | 749 |
| Cost of funding earning assets | 1.9501% | 116 |
| Net interest margin | 3.7704% | 3,980 |
| Noninterest income to average assets | 0.7529% | 2,325 |
| Noninterest expense to average assets | 3.9921% | 1,049 |
| Loan and lease loss provision to assets | 0.6196% | 1,658 |
| Net operating income to assets | -0.3329% | 6,367 |
| Return on assets (ROA) | -0.2274% | 6,348 |
| Pretax return on assets | -0.3671% | 6,402 |
| Return on Equity (ROE) | -2.0878% | 6,345 |
| Retained earnings to average equity (ytd only) | -2.0878% | 6,168 |
| Net charge-offs to loans | 1.9035% | 757 |
| Credit loss provision to net charge-offs | 43.8889% | 5,557 |
| Earnings coverage of net charge-offs (x) | 0.0622% | 5,779 |
| Efficiency ratio | 97.2318% | 762 |
| Assets per employee ($millions) | 2.3103% | 7,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8809% | 412 |
| Loan loss allowance to noncurrent loans | 156.9408% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 2.2415% | 2,690 |
| Noncurrent loans to loans | 2.4728% | 2,661 |
| Net loans and leases to total assets | 67.9590% | 2,399 |
| Net loans and leases to deposits | 77.9980% | 2,844 |
| Net loans and leases to core deposits | 88.7673% | 2,287 |
| Total domestic deposits to total assets | 87.1292% | 2,688 |
| Equity capital to assets | 12.5060% | 1,795 |
| Core capital (leverage) ratio | 9.0180% | 4,750 |
| Tier 1 risk-based capital ratio | 13.2909% | 4,846 |
| Total risk-based capital ratio | 14.5779% | 4,797 |
| Memoranda: | ||
| Average total assets | $63,750,800 | 5,930 |
| Average earning assets | $56,254,000 | 5,971 |
| Average equity | $6,945,000 | 5,877 |
| Average total loans | $47,281,800 | 5,371 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6506% | 931 |
| Cost of funding earning assets | 2.0054% | 120 |
| Net interest margin | 3.6453% | 4,589 |
| Noninterest income to average assets | 0.4996% | 3,876 |
| Noninterest expense to average assets | 3.9863% | 1,020 |
| Loan and lease loss provision to assets | 0.8292% | 1,119 |
| Net operating income to assets | -0.6972% | 6,755 |
| Return on assets (ROA) | -0.5857% | 6,733 |
| Pretax return on assets | -0.9173% | 6,841 |
| Return on Equity (ROE) | -5.5865% | 6,700 |
| Retained earnings to average equity (ytd only) | -5.5865% | 6,622 |
| Net charge-offs to loans | 2.2041% | 556 |
| Credit loss provision to net charge-offs | 50.1269% | 5,031 |
| Earnings coverage of net charge-offs (x) | -0.1586% | 5,700 |
| Efficiency ratio | 106.3698% | 497 |
| Assets per employee ($millions) | 2.5065% | 6,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0201% | 387 |
| Loan loss allowance to noncurrent loans | 95.2573% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 3.4234% | 1,843 |
| Noncurrent loans to loans | 4.2203% | 1,554 |
| Net loans and leases to total assets | 69.1668% | 2,248 |
| Net loans and leases to deposits | 77.6664% | 3,056 |
| Net loans and leases to core deposits | 94.1240% | 1,781 |
| Total domestic deposits to total assets | 89.0563% | 1,399 |
| Equity capital to assets | 10.5601% | 3,630 |
| Core capital (leverage) ratio | 6.9854% | 6,965 |
| Tier 1 risk-based capital ratio | 10.2658% | 6,870 |
| Total risk-based capital ratio | 11.5558% | 6,842 |
| Memoranda: | ||
| Average total assets | $63,516,250 | 5,979 |
| Average earning assets | $56,181,250 | 6,023 |
| Average equity | $6,658,750 | 6,011 |
| Average total loans | $47,668,000 | 5,399 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6186% | 1,041 |
| Cost of funding earning assets | 2.0868% | 105 |
| Net interest margin | 3.5318% | 5,007 |
| Noninterest income to average assets | 0.5273% | 3,649 |
| Noninterest expense to average assets | 4.0149% | 1,029 |
| Loan and lease loss provision to assets | 0.5717% | 1,694 |
| Net operating income to assets | -0.5997% | 6,756 |
| Return on assets (ROA) | -0.6099% | 6,778 |
| Pretax return on assets | -0.9466% | 6,882 |
| Return on Equity (ROE) | -5.8320% | 6,766 |
| Retained earnings to average equity (ytd only) | -5.8320% | 6,640 |
| Net charge-offs to loans | 2.0416% | 653 |
| Credit loss provision to net charge-offs | 36.8098% | 4,872 |
| Earnings coverage of net charge-offs (x) | -0.2311% | 5,423 |
| Efficiency ratio | 109.1225% | 488 |
| Assets per employee ($millions) | 2.3096% | 7,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1139% | 385 |
| Loan loss allowance to noncurrent loans | 158.2665% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 2.2716% | 2,893 |
| Noncurrent loans to loans | 2.5994% | 2,778 |
| Net loans and leases to total assets | 71.0753% | 1,986 |
| Net loans and leases to deposits | 79.6048% | 2,867 |
| Net loans and leases to core deposits | 99.2271% | 1,413 |
| Total domestic deposits to total assets | 89.2853% | 1,369 |
| Equity capital to assets | 10.4426% | 3,584 |
| Core capital (leverage) ratio | 6.9811% | 7,001 |
| Tier 1 risk-based capital ratio | 10.0406% | 6,959 |
| Total risk-based capital ratio | 11.3318% | 6,940 |
| Memoranda: | ||
| Average total assets | $62,965,000 | 6,053 |
| Average earning assets | $55,779,330 | 6,088 |
| Average equity | $6,584,330 | 6,061 |
| Average total loans | $47,902,670 | 5,440 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5787% | 1,098 |
| Cost of funding earning assets | 2.2257% | 78 |
| Net interest margin | 3.3531% | 5,599 |
| Noninterest income to average assets | 0.5345% | 3,618 |
| Noninterest expense to average assets | 3.8897% | 1,184 |
| Loan and lease loss provision to assets | 0.8372% | 991 |
| Net operating income to assets | -0.7651% | 6,941 |
| Return on assets (ROA) | -0.7857% | 6,963 |
| Pretax return on assets | -1.2558% | 7,082 |
| Return on Equity (ROE) | -7.5077% | 6,938 |
| Retained earnings to average equity (ytd only) | -7.5077% | 6,712 |
| Net charge-offs to loans | 2.7732% | 390 |
| Credit loss provision to net charge-offs | 39.1566% | 3,970 |
| Earnings coverage of net charge-offs (x) | -0.1807% | 4,683 |
| Efficiency ratio | 110.2941% | 497 |
| Assets per employee ($millions) | 2.1098% | 7,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3003% | 349 |
| Loan loss allowance to noncurrent loans | 155.0336% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 2.3714% | 2,874 |
| Noncurrent loans to loans | 2.7738% | 2,727 |
| Net loans and leases to total assets | 73.0958% | 1,495 |
| Net loans and leases to deposits | 81.9491% | 2,375 |
| Net loans and leases to core deposits | 128.5881% | 287 |
| Total domestic deposits to total assets | 89.1966% | 1,648 |
| Equity capital to assets | 10.6138% | 3,068 |
| Core capital (leverage) ratio | 7.2948% | 6,861 |
| Tier 1 risk-based capital ratio | 10.4919% | 6,811 |
| Total risk-based capital ratio | 11.7890% | 6,775 |
| Memoranda: | ||
| Average total assets | $62,113,500 | 6,118 |
| Average earning assets | $54,994,500 | 6,164 |
| Average equity | $6,500,000 | 6,092 |
| Average total loans | $47,886,500 | 5,484 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2572% | 503 |
| Cost of funding earning assets | 2.5767% | 81 |
| Net interest margin | 3.6805% | 4,445 |
| Noninterest income to average assets | 0.6662% | 3,044 |
| Noninterest expense to average assets | 3.5724% | 1,995 |
| Loan and lease loss provision to assets | 2.7400% | 380 |
| Net operating income to assets | -1.4416% | 6,895 |
| Return on assets (ROA) | -1.1328% | 6,778 |
| Pretax return on assets | -1.8341% | 6,975 |
| Return on Equity (ROE) | -11.4848% | 6,795 |
| Retained earnings to average equity (ytd only) | -11.4848% | 6,740 |
| Net charge-offs to loans | 0.2099% | 5,035 |
| Credit loss provision to net charge-offs | 1,994.1860% | 118 |
| Earnings coverage of net charge-offs (x) | 3.0814% | 3,532 |
| Efficiency ratio | 88.7645% | 1,414 |
| Assets per employee ($millions) | 1.9041% | 7,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8073% | 217 |
| Loan loss allowance to noncurrent loans | 255.3191% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 1.4656% | 4,125 |
| Noncurrent loans to loans | 1.8829% | 3,708 |
| Net loans and leases to total assets | 74.0957% | 1,644 |
| Net loans and leases to deposits | 84.2549% | 2,411 |
| Net loans and leases to core deposits | 132.5115% | 300 |
| Total domestic deposits to total assets | 87.9423% | 2,284 |
| Equity capital to assets | 10.3099% | 3,380 |
| Core capital (leverage) ratio | 6.9404% | 7,051 |
| Tier 1 risk-based capital ratio | 9.9082% | 7,019 |
| Total risk-based capital ratio | 11.2112% | 6,988 |
| Memoranda: | ||
| Average total assets | $62,590,800 | 6,108 |
| Average earning assets | $56,623,000 | 6,115 |
| Average equity | $6,173,400 | 6,315 |
| Average total loans | $40,966,000 | 5,888 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1259% | 727 |
| Cost of funding earning assets | 2.6513% | 75 |
| Net interest margin | 3.4746% | 5,393 |
| Noninterest income to average assets | 0.3999% | 4,954 |
| Noninterest expense to average assets | 3.1340% | 3,172 |
| Loan and lease loss provision to assets | 0.9184% | 1,645 |
| Net operating income to assets | -0.3195% | 6,448 |
| Return on assets (ROA) | 0.0529% | 6,012 |
| Pretax return on assets | 0.0910% | 5,927 |
| Return on Equity (ROE) | 0.5423% | 6,003 |
| Retained earnings to average equity (ytd only) | 0.5423% | 5,582 |
| Net charge-offs to loans | 0.1864% | 4,836 |
| Credit loss provision to net charge-offs | 789.0909% | 376 |
| Earnings coverage of net charge-offs (x) | 3.6728% | 3,342 |
| Efficiency ratio | 87.2846% | 1,506 |
| Assets per employee ($millions) | 2.3729% | 7,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2466% | 1,703 |
| Loan loss allowance to noncurrent loans | 91.5556% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.8235% | 3,716 |
| Noncurrent loans to loans | 2.4538% | 3,174 |
| Net loans and leases to total assets | 72.6417% | 2,089 |
| Net loans and leases to deposits | 82.5329% | 3,006 |
| Net loans and leases to core deposits | 133.8100% | 326 |
| Total domestic deposits to total assets | 88.0154% | 1,947 |
| Equity capital to assets | 10.5631% | 3,454 |
| Core capital (leverage) ratio | 7.6868% | 6,687 |
| Tier 1 risk-based capital ratio | 12.2941% | 5,188 |
| Total risk-based capital ratio | 13.5622% | 5,145 |
| Memoranda: | ||
| Average total assets | $63,005,500 | 6,160 |
| Average earning assets | $57,328,500 | 6,151 |
| Average equity | $6,146,250 | 6,408 |
| Average total loans | $39,350,500 | 6,031 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9394% | 1,083 |
| Cost of funding earning assets | 2.7717% | 68 |
| Net interest margin | 3.1677% | 6,410 |
| Noninterest income to average assets | 0.3783% | 5,099 |
| Noninterest expense to average assets | 3.5150% | 1,995 |
| Loan and lease loss provision to assets | 0.4855% | 2,871 |
| Net operating income to assets | -0.4445% | 6,604 |
| Return on assets (ROA) | -0.4445% | 6,641 |
| Pretax return on assets | -0.7471% | 6,750 |
| Return on Equity (ROE) | -4.6823% | 6,668 |
| Retained earnings to average equity (ytd only) | -4.6823% | 6,515 |
| Net charge-offs to loans | 0.0054% | 6,299 |
| Credit loss provision to net charge-offs | 15,400.0000% | 21 |
| Earnings coverage of net charge-offs (x) | -83.0000% | 6,364 |
| Efficiency ratio | 107.2674% | 601 |
| Assets per employee ($millions) | 2.5525% | 7,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8849% | 2,457 |
| Loan loss allowance to noncurrent loans | 111.8220% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 4,966 |
| Noncurrent loans to loans | 1.6856% | 4,160 |
| Net loans and leases to total assets | 63.0628% | 4,453 |
| Net loans and leases to deposits | 70.2151% | 5,242 |
| Net loans and leases to core deposits | 110.8137% | 1,114 |
| Total domestic deposits to total assets | 89.8138% | 1,013 |
| Equity capital to assets | 9.8999% | 4,139 |
| Core capital (leverage) ratio | 7.8893% | 6,395 |
| Tier 1 risk-based capital ratio | 13.3578% | 4,163 |
| Total risk-based capital ratio | 14.6184% | 4,122 |
| Memoranda: | ||
| Average total assets | $63,442,000 | 6,196 |
| Average earning assets | $57,581,330 | 6,184 |
| Average equity | $6,022,670 | 6,460 |
| Average total loans | $37,185,000 | 6,186 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9121% | 1,181 |
| Cost of funding earning assets | 2.7847% | 94 |
| Net interest margin | 3.1274% | 6,526 |
| Noninterest income to average assets | 0.2001% | 6,533 |
| Noninterest expense to average assets | 3.1235% | 3,168 |
| Loan and lease loss provision to assets | 0.3872% | 3,037 |
| Net operating income to assets | -0.2840% | 6,649 |
| Return on assets (ROA) | -0.2840% | 6,706 |
| Pretax return on assets | -0.4840% | 6,766 |
| Return on Equity (ROE) | -3.0614% | 6,745 |
| Retained earnings to average equity (ytd only) | -3.0614% | 6,371 |
| Net charge-offs to loans | 0.0232% | 5,251 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | -7.5000% | 5,551 |
| Efficiency ratio | 102.3454% | 778 |
| Assets per employee ($millions) | 2.8292% | 6,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 2,578 |
| Loan loss allowance to noncurrent loans | 142.9435% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7305% | 5,703 |
| Noncurrent loans to loans | 1.2940% | 4,815 |
| Net loans and leases to total assets | 55.4094% | 5,827 |
| Net loans and leases to deposits | 61.3922% | 6,333 |
| Net loans and leases to core deposits | 94.6729% | 2,749 |
| Total domestic deposits to total assets | 90.2548% | 854 |
| Equity capital to assets | 9.4610% | 4,596 |
| Core capital (leverage) ratio | 7.8396% | 6,450 |
| Tier 1 risk-based capital ratio | 13.5181% | 3,970 |
| Total risk-based capital ratio | 14.7766% | 3,928 |
| Memoranda: | ||
| Average total assets | $61,981,000 | 6,310 |
| Average earning assets | $56,020,500 | 6,327 |
| Average equity | $5,749,000 | 6,596 |
| Average total loans | $34,450,000 | 6,397 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7950% | 6,961 |
| Cost of funding earning assets | 1.9299% | 3,306 |
| Net interest margin | 2.8651% | 6,931 |
| Noninterest income to average assets | 0.8395% | 2,231 |
| Noninterest expense to average assets | 6.9354% | 211 |
| Loan and lease loss provision to assets | 2.6967% | 702 |
| Net operating income to assets | -3.1216% | 7,427 |
| Return on assets (ROA) | -3.1216% | 7,431 |
| Pretax return on assets | -6.3255% | 7,829 |
| Return on Equity (ROE) | -24.5315% | 7,277 |
| Retained earnings to average equity (ytd only) | -24.5315% | 7,250 |
| Net charge-offs to loans | 0.8797% | 2,638 |
| Credit loss provision to net charge-offs | 582.9630% | 516 |
| Earnings coverage of net charge-offs (x) | -7.8444% | 7,148 |
| Efficiency ratio | 209.7409% | 123 |
| Assets per employee ($millions) | 2.3359% | 7,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1329% | 1,766 |
| Loan loss allowance to noncurrent loans | 156.7308% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.7420% | 5,620 |
| Noncurrent loans to loans | 1.3609% | 4,650 |
| Net loans and leases to total assets | 53.3623% | 6,264 |
| Net loans and leases to deposits | 58.9896% | 6,704 |
| Net loans and leases to core deposits | 117.3084% | 2,198 |
| Total domestic deposits to total assets | 90.4606% | 756 |
| Equity capital to assets | 9.0507% | 5,059 |
| Core capital (leverage) ratio | 7.9293% | 6,288 |
| Tier 1 risk-based capital ratio | 10.8838% | 6,028 |
| Total risk-based capital ratio | 12.1443% | 5,995 |
| Memoranda: | ||
| Average total assets | $29,183,400 | 7,502 |
| Average earning assets | $25,130,400 | 7,537 |
| Average equity | $3,713,600 | 7,380 |
| Average total loans | $15,346,600 | 7,432 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 7,772 |
| Cost of funding earning assets | 1.3458% | 6,411 |
| Net interest margin | 2.7548% | 7,126 |
| Noninterest income to average assets | 0.7597% | 2,650 |
| Noninterest expense to average assets | 8.3570% | 141 |
| Loan and lease loss provision to assets | 0.7479% | 2,497 |
| Net operating income to assets | -3.7452% | 7,719 |
| Return on assets (ROA) | -3.7452% | 7,716 |
| Pretax return on assets | -6.0125% | 7,907 |
| Return on Equity (ROE) | -24.9388% | 7,504 |
| Retained earnings to average equity (ytd only) | -24.9388% | 7,482 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 270.2495% | 78 |
| Assets per employee ($millions) | 1.7816% | 7,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6307% | 7,523 |
| Loan loss allowance to noncurrent loans | 161.5385% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 7,052 |
| Noncurrent loans to loans | 0.3904% | 6,562 |
| Net loans and leases to total assets | 48.4467% | 6,913 |
| Net loans and leases to deposits | 55.5534% | 7,121 |
| Net loans and leases to core deposits | 110.4792% | 3,182 |
| Total domestic deposits to total assets | 87.2075% | 2,074 |
| Equity capital to assets | 12.4753% | 1,971 |
| Core capital (leverage) ratio | 12.6110% | 1,536 |
| Tier 1 risk-based capital ratio | 15.1794% | 2,964 |
| Total risk-based capital ratio | 15.6818% | 3,260 |
| Memoranda: | ||
| Average total assets | $22,463,750 | 7,789 |
| Average earning assets | $19,021,250 | 7,807 |
| Average equity | $3,373,500 | 7,548 |
| Average total loans | $11,541,250 | 7,700 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9298% | 8,080 |
| Cost of funding earning assets | 0.5437% | 8,022 |
| Net interest margin | 2.3861% | 7,584 |
| Noninterest income to average assets | 0.3928% | 5,349 |
| Noninterest expense to average assets | 11.5512% | 96 |
| Loan and lease loss provision to assets | 0.9329% | 1,808 |
| Net operating income to assets | -5.9457% | 7,999 |
| Return on assets (ROA) | -5.9536% | 7,988 |
| Pretax return on assets | -10.1641% | 8,108 |
| Return on Equity (ROE) | -34.7173% | 7,780 |
| Retained earnings to average equity (ytd only) | -34.7173% | 7,757 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 495.2632% | 39 |
| Assets per employee ($millions) | 1.1750% | 8,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6095% | 7,623 |
| Loan loss allowance to noncurrent loans | 12.3377% | 7,446 |
| Noncurrent assets plus other real estate owned to assets | 2.4964% | 2,583 |
| Noncurrent loans to loans | 4.9403% | 1,251 |
| Net loans and leases to total assets | 50.2229% | 6,852 |
| Net loans and leases to deposits | 63.8025% | 6,582 |
| Net loans and leases to core deposits | 123.4978% | 2,069 |
| Total domestic deposits to total assets | 78.7162% | 5,894 |
| Equity capital to assets | 21.0691% | 328 |
| Core capital (leverage) ratio | 27.0090% | 174 |
| Tier 1 risk-based capital ratio | 29.2576% | 647 |
| Total risk-based capital ratio | 29.8235% | 672 |
| Memoranda: | ||
| Average total assets | $16,292,670 | 8,034 |
| Average earning assets | $13,243,330 | 8,064 |
| Average equity | $2,794,000 | 7,790 |
| Average total loans | $8,729,000 | 7,916 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2522% | 1,438 |
| Cost of funding earning assets | 1.2101% | 7,278 |
| Net interest margin | 5.0421% | 366 |
| Noninterest income to average assets | 0.4297% | 4,962 |
| Noninterest expense to average assets | 5.0244% | 479 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.4628% | 6,836 |
| Return on assets (ROA) | -0.4297% | 6,879 |
| Pretax return on assets | -0.4297% | 6,766 |
| Return on Equity (ROE) | -3.2674% | 6,805 |
| Retained earnings to average equity (ytd only) | -3.2674% | 6,324 |
| Net charge-offs to loans | -2.1577% | 8,179 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1449% | 807 |
| Assets per employee ($millions) | 1.1908% | 8,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4240% | 19 |
| Loan loss allowance to noncurrent loans | 63.2874% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 9.4803% | 252 |
| Noncurrent loans to loans | 14.8908% | 105 |
| Net loans and leases to total assets | 57.6654% | 5,998 |
| Net loans and leases to deposits | 70.6366% | 5,919 |
| Net loans and leases to core deposits | 106.0944% | 3,898 |
| Total domestic deposits to total assets | 81.6367% | 4,703 |
| Equity capital to assets | 14.7896% | 1,167 |
| Core capital (leverage) ratio | 14.0839% | 1,176 |
| Tier 1 risk-based capital ratio | 27.0247% | 820 |
| Total risk-based capital ratio | 28.4740% | 780 |
| Memoranda: | ||
| Average total assets | $12,101,000 | 8,166 |
| Average earning assets | $9,916,500 | 8,164 |
| Average equity | $1,591,500 | 8,135 |
| Average total loans | $6,859,000 | 8,043 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2012% | 750 |
| Cost of funding earning assets | 1.7490% | 7,134 |
| Net interest margin | 5.4522% | 221 |
| Noninterest income to average assets | 0.6780% | 3,270 |
| Noninterest expense to average assets | 4.5762% | 829 |
| Loan and lease loss provision to assets | 8.6054% | 16 |
| Net operating income to assets | -7.6728% | 8,215 |
| Return on assets (ROA) | -7.6501% | 8,210 |
| Pretax return on assets | -7.7734% | 8,195 |
| Return on Equity (ROE) | -45.0790% | 8,118 |
| Retained earnings to average equity (ytd only) | -45.0790% | 8,092 |
| Net charge-offs to loans | 7.6992% | 31 |
| Credit loss provision to net charge-offs | 179.5820% | 2,811 |
| Earnings coverage of net charge-offs (x) | 0.1688% | 6,147 |
| Efficiency ratio | 84.9785% | 1,952 |
| Assets per employee ($millions) | 1.6856% | 8,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7890% | 17 |
| Loan loss allowance to noncurrent loans | 332.9670% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 1.3496% | 3,511 |
| Noncurrent loans to loans | 2.6396% | 2,055 |
| Net loans and leases to total assets | 46.6370% | 7,271 |
| Net loans and leases to deposits | 58.0113% | 7,203 |
| Net loans and leases to core deposits | 82.5762% | 6,408 |
| Total domestic deposits to total assets | 80.3930% | 4,871 |
| Equity capital to assets | 11.8502% | 2,386 |
| Core capital (leverage) ratio | 11.8528% | 2,054 |
| Tier 1 risk-based capital ratio | 23.9760% | 1,091 |
| Total risk-based capital ratio | 25.3263% | 1,056 |
| Memoranda: | ||
| Average total assets | $12,980,200 | 8,205 |
| Average earning assets | $11,206,400 | 8,199 |
| Average equity | $2,202,800 | 8,075 |
| Average total loans | $8,078,800 | 8,033 |