Home > Texana Bank > Performance and Condition Ratios
Texana 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 | 5.5507% | 1,099 |
| Cost of funding earning assets | 1.5100% | 1,921 |
| Net interest margin | 4.0407% | 1,145 |
| Noninterest income to average assets | 3.0000% | 182 |
| Noninterest expense to average assets | 5.6227% | 189 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 0.6879% | 3,224 |
| Return on assets (ROA) | 0.6879% | 3,201 |
| Pretax return on assets | 0.8807% | 3,013 |
| Return on Equity (ROE) | 8.9200% | 2,781 |
| Retained earnings to average equity (ytd only) | 8.4524% | 1,408 |
| Net charge-offs to loans | 0.1842% | 585 |
| Credit loss provision to net charge-offs | 173.7194% | 1,338 |
| Earnings coverage of net charge-offs (x) | 7.2316% | 2,421 |
| Efficiency ratio | 82.9078% | 729 |
| Assets per employee ($millions) | 2.3981% | 4,430 |
| Cash dividends to net income (ytd only)* | 5.1894% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 2,813 |
| Loan loss allowance to noncurrent loans | 626.2673% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 2,146 |
| Noncurrent loans to loans | 0.1763% | 2,636 |
| Net loans and leases to total assets | 86.7600% | 126 |
| Net loans and leases to deposits | 100.6325% | 504 |
| Net loans and leases to core deposits | 124.9972% | 509 |
| Total domestic deposits to total assets | 86.2100% | 1,947 |
| Equity capital to assets | 8.0735% | 3,364 |
| Core capital (leverage) ratio | 8.5546% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4594% | 2,729 |
| Memoranda: | ||
| Average total assets | $280,112,600 | 2,524 |
| Average earning assets | $262,257,400 | 2,510 |
| Average equity | $21,615,200 | 2,722 |
| Average total loans | $243,808,000 | 2,038 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4773% | 1,041 |
| Cost of funding earning assets | 1.4140% | 1,828 |
| Net interest margin | 4.0633% | 1,128 |
| Noninterest income to average assets | 2.7600% | 210 |
| Noninterest expense to average assets | 5.3995% | 203 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 0.6905% | 3,347 |
| Return on assets (ROA) | 0.6905% | 3,327 |
| Pretax return on assets | 0.8867% | 3,135 |
| Return on Equity (ROE) | 9.0500% | 2,912 |
| Retained earnings to average equity (ytd only) | 9.0528% | 1,665 |
| Net charge-offs to loans | 0.2176% | 404 |
| Credit loss provision to net charge-offs | 147.3552% | 1,337 |
| Earnings coverage of net charge-offs (x) | 6.1637% | 2,312 |
| Efficiency ratio | 82.2501% | 715 |
| Assets per employee ($millions) | 3.0242% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,079 |
| Loan loss allowance to noncurrent loans | 557.3593% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 2,077 |
| Noncurrent loans to loans | 0.1899% | 2,602 |
| Net loans and leases to total assets | 85.5700% | 177 |
| Net loans and leases to deposits | 100.0029% | 518 |
| Net loans and leases to core deposits | 126.4294% | 407 |
| Total domestic deposits to total assets | 85.5700% | 2,328 |
| Equity capital to assets | 7.8558% | 3,149 |
| Core capital (leverage) ratio | 8.3475% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3740% | 2,758 |
| Memoranda: | ||
| Average total assets | $279,995,000 | 2,524 |
| Average earning assets | $261,949,500 | 2,512 |
| Average equity | $21,355,750 | 2,731 |
| Average total loans | $243,222,500 | 2,037 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3580% | 1,001 |
| Cost of funding earning assets | 1.2675% | 1,799 |
| Net interest margin | 4.0905% | 1,095 |
| Noninterest income to average assets | 2.3700% | 209 |
| Noninterest expense to average assets | 5.0004% | 221 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 0.7168% | 3,311 |
| Return on assets (ROA) | 0.7168% | 3,306 |
| Pretax return on assets | 0.9228% | 3,117 |
| Return on Equity (ROE) | 9.4900% | 2,836 |
| Retained earnings to average equity (ytd only) | 9.4933% | 1,545 |
| Net charge-offs to loans | 0.0855% | 754 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 16.1538% | 1,838 |
| Efficiency ratio | 80.6228% | 803 |
| Assets per employee ($millions) | 3.2930% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 3,032 |
| Loan loss allowance to noncurrent loans | 523.0920% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 1,945 |
| Noncurrent loans to loans | 0.2068% | 2,433 |
| Net loans and leases to total assets | 86.2900% | 137 |
| Net loans and leases to deposits | 107.3665% | 264 |
| Net loans and leases to core deposits | 125.1171% | 405 |
| Total domestic deposits to total assets | 80.3700% | 3,521 |
| Equity capital to assets | 7.6823% | 3,414 |
| Core capital (leverage) ratio | 8.1076% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0957% | 2,833 |
| Memoranda: | ||
| Average total assets | $279,578,000 | 2,530 |
| Average earning assets | $261,926,333 | 2,520 |
| Average equity | $21,109,667 | 2,764 |
| Average total loans | $243,216,333 | 2,034 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2405% | 904 |
| Cost of funding earning assets | 1.0632% | 1,853 |
| Net interest margin | 4.1773% | 987 |
| Noninterest income to average assets | 1.3900% | 356 |
| Noninterest expense to average assets | 4.0969% | 336 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 0.7171% | 3,428 |
| Return on assets (ROA) | 0.7171% | 3,382 |
| Pretax return on assets | 0.9216% | 3,182 |
| Return on Equity (ROE) | 9.5800% | 2,902 |
| Retained earnings to average equity (ytd only) | 9.5831% | 1,799 |
| Net charge-offs to loans | 0.0216% | 1,249 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 64.2308% | 984 |
| Efficiency ratio | 77.3098% | 1,065 |
| Assets per employee ($millions) | 3.9056% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 3,355 |
| Loan loss allowance to noncurrent loans | 951.4815% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 2,353 |
| Noncurrent loans to loans | 0.1089% | 2,984 |
| Net loans and leases to total assets | 86.0300% | 129 |
| Net loans and leases to deposits | 103.7634% | 306 |
| Net loans and leases to core deposits | 119.5218% | 449 |
| Total domestic deposits to total assets | 82.9100% | 3,318 |
| Equity capital to assets | 7.4863% | 3,572 |
| Core capital (leverage) ratio | 8.0092% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5652% | 2,993 |
| Memoranda: | ||
| Average total assets | $277,768,000 | 2,570 |
| Average earning assets | $259,974,000 | 2,561 |
| Average equity | $20,786,500 | 2,820 |
| Average total loans | $241,298,000 | 2,064 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8460% | 397 |
| Cost of funding earning assets | 0.4961% | 1,418 |
| Net interest margin | 4.3498% | 381 |
| Noninterest income to average assets | 3.4000% | 163 |
| Noninterest expense to average assets | 7.9017% | 136 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | -0.4318% | 4,639 |
| Return on assets (ROA) | -0.4318% | 4,632 |
| Pretax return on assets | -0.5867% | 4,635 |
| Return on Equity (ROE) | -5.5400% | 4,631 |
| Retained earnings to average equity (ytd only) | -5.5441% | 4,583 |
| Net charge-offs to loans | 0.2185% | 372 |
| Credit loss provision to net charge-offs | 60.9756% | 1,768 |
| Earnings coverage of net charge-offs (x) | -2.5081% | 4,684 |
| Efficiency ratio | 106.3526% | 108 |
| Assets per employee ($millions) | 3.9192% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 3,274 |
| Loan loss allowance to noncurrent loans | 858.6331% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 2,311 |
| Noncurrent loans to loans | 0.1184% | 2,930 |
| Net loans and leases to total assets | 85.9200% | 159 |
| Net loans and leases to deposits | 102.0009% | 365 |
| Net loans and leases to core deposits | 114.1061% | 488 |
| Total domestic deposits to total assets | 84.2400% | 3,155 |
| Equity capital to assets | 7.4804% | 3,397 |
| Core capital (leverage) ratio | 8.0084% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4038% | 3,036 |
| Memoranda: | ||
| Average total assets | $261,450,400 | 2,662 |
| Average earning assets | $242,469,600 | 2,658 |
| Average equity | $20,364,000 | 2,924 |
| Average total loans | $225,135,600 | 2,081 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7937% | 289 |
| Cost of funding earning assets | 0.3841% | 1,405 |
| Net interest margin | 4.4095% | 276 |
| Noninterest income to average assets | 4.2100% | 148 |
| Noninterest expense to average assets | 8.7094% | 124 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | -0.3266% | 4,662 |
| Return on assets (ROA) | -0.3266% | 4,643 |
| Pretax return on assets | -0.4948% | 4,657 |
| Return on Equity (ROE) | -4.1500% | 4,654 |
| Retained earnings to average equity (ytd only) | -4.1507% | 4,577 |
| Net charge-offs to loans | 0.0778% | 761 |
| Credit loss provision to net charge-offs | 115.3846% | 1,241 |
| Earnings coverage of net charge-offs (x) | -6.2462% | 4,728 |
| Efficiency ratio | 105.0372% | 121 |
| Assets per employee ($millions) | 2.4200% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 2,772 |
| Loan loss allowance to noncurrent loans | 1,404.8649% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 1,817 |
| Noncurrent loans to loans | 0.0822% | 3,292 |
| Net loans and leases to total assets | 85.1700% | 171 |
| Net loans and leases to deposits | 104.8093% | 219 |
| Net loans and leases to core deposits | 109.8014% | 475 |
| Total domestic deposits to total assets | 81.2600% | 3,941 |
| Equity capital to assets | 7.6925% | 3,092 |
| Core capital (leverage) ratio | 8.0004% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6886% | 3,085 |
| Memoranda: | ||
| Average total assets | $259,206,250 | 2,689 |
| Average earning assets | $239,837,250 | 2,684 |
| Average equity | $20,397,750 | 2,959 |
| Average total loans | $222,732,500 | 2,096 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6742% | 265 |
| Cost of funding earning assets | 0.3166% | 1,562 |
| Net interest margin | 4.3577% | 246 |
| Noninterest income to average assets | 5.9136% | 81 |
| Noninterest expense to average assets | 10.0422% | 71 |
| Loan and lease loss provision to assets | 0.1161% | 867 |
| Net operating income to assets | -0.1424% | 4,628 |
| Return on assets (ROA) | -0.1424% | 4,599 |
| Pretax return on assets | -0.2190% | 4,603 |
| Return on Equity (ROE) | -1.7955% | 4,607 |
| Retained earnings to average equity (ytd only) | -1.7955% | 4,362 |
| Net charge-offs to loans | 0.1109% | 546 |
| Credit loss provision to net charge-offs | 121.9512% | 1,177 |
| Earnings coverage of net charge-offs (x) | -1.0813% | 2,113 |
| Efficiency ratio | 101.0353% | 177 |
| Assets per employee ($millions) | 1.8272% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 3,030 |
| Loan loss allowance to noncurrent loans | 1,472.3164% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 1,935 |
| Noncurrent loans to loans | 0.0768% | 3,405 |
| Net loans and leases to total assets | 85.4364% | 111 |
| Net loans and leases to deposits | 102.0164% | 206 |
| Net loans and leases to core deposits | 109.1272% | 365 |
| Total domestic deposits to total assets | 83.7477% | 3,736 |
| Equity capital to assets | 7.5378% | 3,445 |
| Core capital (leverage) ratio | 8.0275% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6112% | 3,060 |
| Memoranda: | ||
| Average total assets | $258,488,333 | 2,722 |
| Average earning assets | $238,798,000 | 2,730 |
| Average equity | $20,495,333 | 3,022 |
| Average total loans | $221,911,667 | 2,097 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 242 |
| Cost of funding earning assets | 0.3009% | 1,651 |
| Net interest margin | 4.3263% | 225 |
| Noninterest income to average assets | 7.4245% | 75 |
| Noninterest expense to average assets | 10.6800% | 66 |
| Loan and lease loss provision to assets | 0.1179% | 706 |
| Net operating income to assets | 0.4561% | 3,829 |
| Return on assets (ROA) | 0.4561% | 3,794 |
| Pretax return on assets | 0.6291% | 3,553 |
| Return on Equity (ROE) | 5.6070% | 3,448 |
| Retained earnings to average equity (ytd only) | 5.6070% | 2,377 |
| Net charge-offs to loans | 0.2206% | 281 |
| Credit loss provision to net charge-offs | 62.5000% | 1,161 |
| Earnings coverage of net charge-offs (x) | 3.9583% | 1,640 |
| Efficiency ratio | 93.4627% | 407 |
| Assets per employee ($millions) | 1.5375% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 3,105 |
| Loan loss allowance to noncurrent loans | 1,096.9697% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 1,893 |
| Noncurrent loans to loans | 0.1048% | 3,316 |
| Net loans and leases to total assets | 84.8906% | 69 |
| Net loans and leases to deposits | 97.4651% | 247 |
| Net loans and leases to core deposits | 104.4077% | 381 |
| Total domestic deposits to total assets | 87.0985% | 2,895 |
| Equity capital to assets | 8.0851% | 3,503 |
| Core capital (leverage) ratio | 8.4085% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1985% | 3,029 |
| Memoranda: | ||
| Average total assets | $254,345,500 | 2,758 |
| Average earning assets | $235,306,500 | 2,764 |
| Average equity | $20,688,500 | 3,083 |
| Average total loans | $217,603,500 | 2,112 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9324% | 283 |
| Cost of funding earning assets | 0.4249% | 1,359 |
| Net interest margin | 4.5075% | 272 |
| Noninterest income to average assets | 3.7670% | 148 |
| Noninterest expense to average assets | 7.8318% | 94 |
| Loan and lease loss provision to assets | 0.1458% | 819 |
| Net operating income to assets | -0.0596% | 4,695 |
| Return on assets (ROA) | -0.0596% | 4,703 |
| Pretax return on assets | -0.0300% | 4,695 |
| Return on Equity (ROE) | -0.7037% | 4,714 |
| Retained earnings to average equity (ytd only) | -1.4418% | 4,599 |
| Net charge-offs to loans | -0.0043% | 3,518 |
| Credit loss provision to net charge-offs | -3,888.8889% | 4,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5427% | 163 |
| Assets per employee ($millions) | 1.3544% | 4,791 |
| Cash dividends to net income (ytd only)* | -104.8951% | 4,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,880 |
| Loan loss allowance to noncurrent loans | 528.4836% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 1,582 |
| Noncurrent loans to loans | 0.2273% | 2,818 |
| Net loans and leases to total assets | 84.2011% | 103 |
| Net loans and leases to deposits | 96.5595% | 296 |
| Net loans and leases to core deposits | 106.4458% | 358 |
| Total domestic deposits to total assets | 87.2012% | 2,435 |
| Equity capital to assets | 8.1838% | 4,245 |
| Core capital (leverage) ratio | 8.4030% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5821% | 2,972 |
| Memoranda: | ||
| Average total assets | $240,035,000 | 2,793 |
| Average earning assets | $222,627,800 | 2,791 |
| Average equity | $20,321,600 | 3,186 |
| Average total loans | $207,537,400 | 2,189 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9739% | 317 |
| Cost of funding earning assets | 0.4568% | 1,309 |
| Net interest margin | 4.5172% | 303 |
| Noninterest income to average assets | 3.5343% | 169 |
| Noninterest expense to average assets | 7.7226% | 98 |
| Loan and lease loss provision to assets | 0.1573% | 701 |
| Net operating income to assets | -0.1586% | 4,786 |
| Return on assets (ROA) | -0.1586% | 4,793 |
| Pretax return on assets | -0.1575% | 4,791 |
| Return on Equity (ROE) | -1.8570% | 4,801 |
| Retained earnings to average equity (ytd only) | -2.8447% | 4,738 |
| Net charge-offs to loans | -0.0104% | 3,683 |
| Credit loss provision to net charge-offs | -1,750.0000% | 3,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 157 |
| Assets per employee ($millions) | 1.9797% | 4,842 |
| Cash dividends to net income (ytd only)* | -53.1915% | 4,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 2,996 |
| Loan loss allowance to noncurrent loans | 1,996.8254% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 2,393 |
| Noncurrent loans to loans | 0.0600% | 3,800 |
| Net loans and leases to total assets | 84.5226% | 103 |
| Net loans and leases to deposits | 97.6584% | 287 |
| Net loans and leases to core deposits | 108.3738% | 358 |
| Total domestic deposits to total assets | 86.5492% | 2,531 |
| Equity capital to assets | 8.3693% | 4,296 |
| Core capital (leverage) ratio | 8.5148% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7496% | 3,011 |
| Memoranda: | ||
| Average total assets | $237,063,000 | 2,837 |
| Average earning assets | $219,806,500 | 2,838 |
| Average equity | $20,247,750 | 3,224 |
| Average total loans | $205,746,500 | 2,234 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9527% | 371 |
| Cost of funding earning assets | 0.4798% | 1,328 |
| Net interest margin | 4.4729% | 367 |
| Noninterest income to average assets | 3.0343% | 181 |
| Noninterest expense to average assets | 7.6420% | 99 |
| Loan and lease loss provision to assets | 0.1494% | 797 |
| Net operating income to assets | -0.5114% | 4,869 |
| Return on assets (ROA) | -0.5114% | 4,872 |
| Pretax return on assets | -0.6104% | 4,876 |
| Return on Equity (ROE) | -5.9458% | 4,886 |
| Retained earnings to average equity (ytd only) | -7.4347% | 4,834 |
| Net charge-offs to loans | -0.0049% | 3,433 |
| Credit loss provision to net charge-offs | -3,500.0000% | 3,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4202% | 112 |
| Assets per employee ($millions) | 2.2227% | 4,862 |
| Cash dividends to net income (ytd only)* | -25.0417% | 4,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 3,056 |
| Loan loss allowance to noncurrent loans | 1,454.5455% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 2,383 |
| Noncurrent loans to loans | 0.0810% | 3,781 |
| Net loans and leases to total assets | 85.4154% | 96 |
| Net loans and leases to deposits | 100.2336% | 248 |
| Net loans and leases to core deposits | 115.2694% | 274 |
| Total domestic deposits to total assets | 85.2163% | 3,007 |
| Equity capital to assets | 8.3802% | 4,296 |
| Core capital (leverage) ratio | 8.2989% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0584% | 2,945 |
| Memoranda: | ||
| Average total assets | $234,257,333 | 2,851 |
| Average earning assets | $217,174,333 | 2,855 |
| Average equity | $20,148,667 | 3,229 |
| Average total loans | $204,328,000 | 2,252 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 439 |
| Cost of funding earning assets | 0.5052% | 1,360 |
| Net interest margin | 4.3578% | 466 |
| Noninterest income to average assets | 3.7914% | 157 |
| Noninterest expense to average assets | 8.0451% | 93 |
| Loan and lease loss provision to assets | 0.1199% | 1,147 |
| Net operating income to assets | -0.2826% | 4,861 |
| Return on assets (ROA) | -0.2826% | 4,864 |
| Pretax return on assets | -0.3408% | 4,868 |
| Return on Equity (ROE) | -3.2431% | 4,880 |
| Retained earnings to average equity (ytd only) | -6.1913% | 4,735 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8234% | 166 |
| Assets per employee ($millions) | 1.8254% | 4,912 |
| Cash dividends to net income (ytd only)* | -90.9091% | 4,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,323 |
| Loan loss allowance to noncurrent loans | 1,624.1135% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 2,639 |
| Noncurrent loans to loans | 0.0692% | 3,946 |
| Net loans and leases to total assets | 86.9591% | 66 |
| Net loans and leases to deposits | 101.8506% | 243 |
| Net loans and leases to core deposits | 117.1413% | 277 |
| Total domestic deposits to total assets | 85.3791% | 2,970 |
| Equity capital to assets | 8.7085% | 3,956 |
| Core capital (leverage) ratio | 8.7723% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5701% | 2,799 |
| Memoranda: | ||
| Average total assets | $233,584,000 | 2,838 |
| Average earning assets | $216,163,500 | 2,845 |
| Average equity | $20,351,000 | 3,216 |
| Average total loans | $204,671,000 | 2,251 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2663% | 288 |
| Cost of funding earning assets | 0.8608% | 988 |
| Net interest margin | 4.4054% | 403 |
| Noninterest income to average assets | 5.6176% | 104 |
| Noninterest expense to average assets | 7.9470% | 96 |
| Loan and lease loss provision to assets | 0.1906% | 2,043 |
| Net operating income to assets | 1.2338% | 1,435 |
| Return on assets (ROA) | 1.2338% | 1,541 |
| Pretax return on assets | 1.5517% | 1,192 |
| Return on Equity (ROE) | 14.1032% | 787 |
| Retained earnings to average equity (ytd only) | 9.8371% | 621 |
| Net charge-offs to loans | 0.0430% | 2,199 |
| Credit loss provision to net charge-offs | 510.5882% | 1,234 |
| Earnings coverage of net charge-offs (x) | 46.6824% | 1,266 |
| Efficiency ratio | 82.0184% | 746 |
| Assets per employee ($millions) | 2.1590% | 4,915 |
| Cash dividends to net income (ytd only)* | 30.2491% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,555 |
| Loan loss allowance to noncurrent loans | 884.4622% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 2,621 |
| Noncurrent loans to loans | 0.1222% | 3,797 |
| Net loans and leases to total assets | 86.3587% | 87 |
| Net loans and leases to deposits | 107.7999% | 198 |
| Net loans and leases to core deposits | 126.9294% | 229 |
| Total domestic deposits to total assets | 80.1101% | 4,024 |
| Equity capital to assets | 8.7165% | 4,284 |
| Core capital (leverage) ratio | 8.8115% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5984% | 2,773 |
| Memoranda: | ||
| Average total assets | $227,746,800 | 2,737 |
| Average earning assets | $210,490,400 | 2,743 |
| Average equity | $19,924,600 | 3,194 |
| Average total loans | $197,804,800 | 2,257 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2460% | 381 |
| Cost of funding earning assets | 0.9482% | 911 |
| Net interest margin | 4.2977% | 585 |
| Noninterest income to average assets | 6.0044% | 96 |
| Noninterest expense to average assets | 7.4738% | 103 |
| Loan and lease loss provision to assets | 0.2032% | 1,969 |
| Net operating income to assets | 1.8348% | 421 |
| Return on assets (ROA) | 1.8348% | 471 |
| Pretax return on assets | 2.3035% | 277 |
| Return on Equity (ROE) | 20.9526% | 208 |
| Retained earnings to average equity (ytd only) | 17.9189% | 111 |
| Net charge-offs to loans | 0.0599% | 1,747 |
| Credit loss provision to net charge-offs | 390.9091% | 1,487 |
| Earnings coverage of net charge-offs (x) | 48.2500% | 1,217 |
| Efficiency ratio | 74.8847% | 1,314 |
| Assets per employee ($millions) | 1.9905% | 4,955 |
| Cash dividends to net income (ytd only)* | 14.4788% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 3,446 |
| Loan loss allowance to noncurrent loans | 670.9779% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 2,565 |
| Noncurrent loans to loans | 0.1569% | 3,757 |
| Net loans and leases to total assets | 85.8502% | 160 |
| Net loans and leases to deposits | 107.6326% | 279 |
| Net loans and leases to core deposits | 128.0661% | 268 |
| Total domestic deposits to total assets | 79.7622% | 3,912 |
| Equity capital to assets | 9.1070% | 4,028 |
| Core capital (leverage) ratio | 9.2428% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3419% | 2,479 |
| Memoranda: | ||
| Average total assets | $225,849,500 | 2,726 |
| Average earning assets | $208,942,250 | 2,738 |
| Average equity | $19,777,500 | 3,208 |
| Average total loans | $195,892,750 | 2,270 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3073% | 475 |
| Cost of funding earning assets | 1.0591% | 821 |
| Net interest margin | 4.2482% | 828 |
| Noninterest income to average assets | 4.5547% | 117 |
| Noninterest expense to average assets | 5.9560% | 135 |
| Loan and lease loss provision to assets | 0.2121% | 1,954 |
| Net operating income to assets | 2.3203% | 183 |
| Return on assets (ROA) | 2.3203% | 199 |
| Pretax return on assets | 2.3275% | 292 |
| Return on Equity (ROE) | 26.8700% | 88 |
| Retained earnings to average equity (ytd only) | 23.7612% | 55 |
| Net charge-offs to loans | 0.0702% | 1,549 |
| Credit loss provision to net charge-offs | 348.5294% | 1,521 |
| Earnings coverage of net charge-offs (x) | 41.7353% | 1,215 |
| Efficiency ratio | 70.1074% | 1,941 |
| Assets per employee ($millions) | 2.2509% | 4,976 |
| Cash dividends to net income (ytd only)* | 11.5696% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,585 |
| Loan loss allowance to noncurrent loans | 1,108.6957% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 1,968 |
| Noncurrent loans to loans | 0.0901% | 4,101 |
| Net loans and leases to total assets | 86.4061% | 120 |
| Net loans and leases to deposits | 106.6818% | 304 |
| Net loans and leases to core deposits | 137.2826% | 191 |
| Total domestic deposits to total assets | 80.9943% | 3,610 |
| Equity capital to assets | 8.9189% | 4,158 |
| Core capital (leverage) ratio | 9.1905% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9264% | 2,646 |
| Memoranda: | ||
| Average total assets | $223,504,000 | 2,729 |
| Average earning assets | $207,337,000 | 2,730 |
| Average equity | $19,300,333 | 3,243 |
| Average total loans | $193,837,000 | 2,265 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4243% | 438 |
| Cost of funding earning assets | 1.1918% | 795 |
| Net interest margin | 4.2325% | 860 |
| Noninterest income to average assets | 2.4949% | 198 |
| Noninterest expense to average assets | 5.5525% | 173 |
| Loan and lease loss provision to assets | 0.2475% | 1,252 |
| Net operating income to assets | 0.6269% | 3,528 |
| Return on assets (ROA) | 0.6269% | 3,584 |
| Pretax return on assets | 0.6269% | 3,876 |
| Return on Equity (ROE) | 7.3902% | 2,781 |
| Retained earnings to average equity (ytd only) | 4.1489% | 2,626 |
| Net charge-offs to loans | 0.0233% | 1,901 |
| Credit loss provision to net charge-offs | 1,227.2727% | 496 |
| Earnings coverage of net charge-offs (x) | 43.3636% | 987 |
| Efficiency ratio | 86.3948% | 676 |
| Assets per employee ($millions) | 2.4044% | 4,978 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,444 |
| Loan loss allowance to noncurrent loans | 484.2233% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.7061% | 1,899 |
| Noncurrent loans to loans | 0.2170% | 3,703 |
| Net loans and leases to total assets | 85.8686% | 147 |
| Net loans and leases to deposits | 105.8448% | 298 |
| Net loans and leases to core deposits | 145.5957% | 137 |
| Total domestic deposits to total assets | 81.1269% | 3,635 |
| Equity capital to assets | 8.5172% | 4,821 |
| Core capital (leverage) ratio | 8.6157% | 4,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1020% | 3,068 |
| Memoranda: | ||
| Average total assets | $218,207,000 | 2,725 |
| Average earning assets | $202,717,000 | 2,726 |
| Average equity | $18,511,000 | 3,320 |
| Average total loans | $188,598,000 | 2,270 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3993% | 667 |
| Cost of funding earning assets | 1.3649% | 625 |
| Net interest margin | 4.0344% | 1,732 |
| Noninterest income to average assets | 1.4248% | 465 |
| Noninterest expense to average assets | 4.4304% | 330 |
| Loan and lease loss provision to assets | 0.2210% | 880 |
| Net operating income to assets | 0.5188% | 4,364 |
| Return on assets (ROA) | 0.5188% | 4,412 |
| Pretax return on assets | 0.5188% | 4,538 |
| Return on Equity (ROE) | 6.1784% | 3,852 |
| Retained earnings to average equity (ytd only) | 3.1307% | 3,459 |
| Net charge-offs to loans | 0.0876% | 1,868 |
| Credit loss provision to net charge-offs | 295.0311% | 951 |
| Earnings coverage of net charge-offs (x) | 9.8758% | 2,622 |
| Efficiency ratio | 85.6899% | 561 |
| Assets per employee ($millions) | 2.4451% | 5,013 |
| Cash dividends to net income (ytd only)* | 49.3274% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,524 |
| Loan loss allowance to noncurrent loans | 347.7695% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7605% | 1,703 |
| Noncurrent loans to loans | 0.2872% | 3,410 |
| Net loans and leases to total assets | 85.2194% | 224 |
| Net loans and leases to deposits | 104.2657% | 368 |
| Net loans and leases to core deposits | 147.1070% | 136 |
| Total domestic deposits to total assets | 81.7329% | 3,579 |
| Equity capital to assets | 8.4491% | 4,931 |
| Core capital (leverage) ratio | 8.5155% | 4,837 |
| Tier 1 risk-based capital ratio | 10.7251% | 4,957 |
| Total risk-based capital ratio | 11.8226% | 4,922 |
| Memoranda: | ||
| Average total assets | $214,904,000 | 2,710 |
| Average earning assets | $199,508,000 | 2,715 |
| Average equity | $18,046,800 | 3,334 |
| Average total loans | $183,863,600 | 2,278 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3839% | 730 |
| Cost of funding earning assets | 1.3850% | 599 |
| Net interest margin | 3.9989% | 1,944 |
| Noninterest income to average assets | 1.1993% | 639 |
| Noninterest expense to average assets | 4.2583% | 383 |
| Loan and lease loss provision to assets | 0.1431% | 1,342 |
| Net operating income to assets | 0.5103% | 4,491 |
| Return on assets (ROA) | 0.5103% | 4,544 |
| Pretax return on assets | 0.5103% | 4,688 |
| Return on Equity (ROE) | 6.0868% | 4,012 |
| Retained earnings to average equity (ytd only) | 4.2310% | 3,283 |
| Net charge-offs to loans | 0.0729% | 1,783 |
| Credit loss provision to net charge-offs | 230.0000% | 1,169 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 2,495 |
| Efficiency ratio | 86.6954% | 463 |
| Assets per employee ($millions) | 3.1307% | 4,814 |
| Cash dividends to net income (ytd only)* | 30.4882% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 3,996 |
| Loan loss allowance to noncurrent loans | 375.7238% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 1,942 |
| Noncurrent loans to loans | 0.2425% | 3,673 |
| Net loans and leases to total assets | 84.9238% | 263 |
| Net loans and leases to deposits | 94.2088% | 1,206 |
| Net loans and leases to core deposits | 138.6017% | 199 |
| Total domestic deposits to total assets | 90.1442% | 248 |
| Equity capital to assets | 8.5035% | 5,001 |
| Core capital (leverage) ratio | 8.4826% | 4,954 |
| Tier 1 risk-based capital ratio | 10.6757% | 5,030 |
| Total risk-based capital ratio | 11.6604% | 5,032 |
| Memoranda: | ||
| Average total assets | $214,227,500 | 2,735 |
| Average earning assets | $198,883,500 | 2,741 |
| Average equity | $17,962,000 | 3,367 |
| Average total loans | $183,000,250 | 2,310 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3252% | 772 |
| Cost of funding earning assets | 1.3913% | 552 |
| Net interest margin | 3.9339% | 2,142 |
| Noninterest income to average assets | 1.0326% | 817 |
| Noninterest expense to average assets | 4.0406% | 507 |
| Loan and lease loss provision to assets | 0.1311% | 1,431 |
| Net operating income to assets | 0.5140% | 4,503 |
| Return on assets (ROA) | 0.5140% | 4,533 |
| Pretax return on assets | 0.5140% | 4,682 |
| Return on Equity (ROE) | 6.1594% | 3,999 |
| Retained earnings to average equity (ytd only) | 3.3546% | 3,555 |
| Net charge-offs to loans | 0.0768% | 1,598 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 9.8429% | 2,311 |
| Efficiency ratio | 86.2338% | 537 |
| Assets per employee ($millions) | 3.5474% | 4,441 |
| Cash dividends to net income (ytd only)* | 45.5373% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 4,184 |
| Loan loss allowance to noncurrent loans | 126.3199% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.9474% | 1,470 |
| Noncurrent loans to loans | 0.6918% | 2,241 |
| Net loans and leases to total assets | 85.2881% | 266 |
| Net loans and leases to deposits | 102.6589% | 501 |
| Net loans and leases to core deposits | 142.7075% | 177 |
| Total domestic deposits to total assets | 83.0792% | 3,171 |
| Equity capital to assets | 8.3622% | 5,091 |
| Core capital (leverage) ratio | 8.3729% | 5,024 |
| Tier 1 risk-based capital ratio | 10.4855% | 5,112 |
| Total risk-based capital ratio | 11.4323% | 5,126 |
| Memoranda: | ||
| Average total assets | $213,631,330 | 2,746 |
| Average earning assets | $198,377,330 | 2,753 |
| Average equity | $17,826,330 | 3,378 |
| Average total loans | $182,288,330 | 2,323 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 777 |
| Cost of funding earning assets | 1.3980% | 463 |
| Net interest margin | 3.8888% | 2,227 |
| Noninterest income to average assets | 0.7425% | 1,454 |
| Noninterest expense to average assets | 3.9538% | 567 |
| Loan and lease loss provision to assets | 0.0377% | 2,870 |
| Net operating income to assets | 0.3524% | 4,823 |
| Return on assets (ROA) | 0.3524% | 4,829 |
| Pretax return on assets | 0.3524% | 4,898 |
| Return on Equity (ROE) | 4.2279% | 4,526 |
| Retained earnings to average equity (ytd only) | 4.2279% | 3,228 |
| Net charge-offs to loans | 0.0155% | 2,168 |
| Credit loss provision to net charge-offs | 285.7143% | 855 |
| Earnings coverage of net charge-offs (x) | 29.5714% | 1,340 |
| Efficiency ratio | 91.0195% | 356 |
| Assets per employee ($millions) | 3.5026% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 4,287 |
| Loan loss allowance to noncurrent loans | 220.8158% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.8027% | 1,762 |
| Noncurrent loans to loans | 0.3920% | 3,183 |
| Net loans and leases to total assets | 84.1610% | 357 |
| Net loans and leases to deposits | 97.2204% | 868 |
| Net loans and leases to core deposits | 136.7331% | 224 |
| Total domestic deposits to total assets | 86.5672% | 2,032 |
| Equity capital to assets | 8.3419% | 5,068 |
| Core capital (leverage) ratio | 8.4167% | 5,054 |
| Tier 1 risk-based capital ratio | 10.5403% | 5,170 |
| Total risk-based capital ratio | 11.4644% | 5,183 |
| Memoranda: | ||
| Average total assets | $212,252,000 | 2,790 |
| Average earning assets | $196,564,000 | 2,793 |
| Average equity | $17,692,000 | 3,382 |
| Average total loans | $180,341,500 | 2,368 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1766% | 726 |
| Cost of funding earning assets | 1.1762% | 370 |
| Net interest margin | 4.0004% | 1,984 |
| Noninterest income to average assets | 1.2963% | 556 |
| Noninterest expense to average assets | 4.5600% | 282 |
| Loan and lease loss provision to assets | 0.1007% | 2,173 |
| Net operating income to assets | 0.3482% | 4,948 |
| Return on assets (ROA) | 0.3482% | 4,945 |
| Pretax return on assets | 0.3482% | 5,005 |
| Return on Equity (ROE) | 4.3434% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.3434% | 3,153 |
| Net charge-offs to loans | 0.1981% | 966 |
| Credit loss provision to net charge-offs | 60.0000% | 3,101 |
| Earnings coverage of net charge-offs (x) | 2.6750% | 3,500 |
| Efficiency ratio | 91.0385% | 310 |
| Assets per employee ($millions) | 3.2438% | 4,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 4,302 |
| Loan loss allowance to noncurrent loans | 211.5489% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.9021% | 1,539 |
| Noncurrent loans to loans | 0.4105% | 3,061 |
| Net loans and leases to total assets | 84.2982% | 391 |
| Net loans and leases to deposits | 101.0363% | 668 |
| Net loans and leases to core deposits | 153.2356% | 122 |
| Total domestic deposits to total assets | 83.4336% | 3,180 |
| Equity capital to assets | 8.3287% | 5,029 |
| Core capital (leverage) ratio | 8.3615% | 5,082 |
| Tier 1 risk-based capital ratio | 10.5478% | 5,164 |
| Total risk-based capital ratio | 11.4747% | 5,187 |
| Memoranda: | ||
| Average total assets | $214,537,600 | 2,735 |
| Average earning assets | $199,107,400 | 2,729 |
| Average equity | $17,198,600 | 3,374 |
| Average total loans | $181,754,200 | 2,321 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1552% | 681 |
| Cost of funding earning assets | 1.1349% | 346 |
| Net interest margin | 4.0202% | 1,894 |
| Noninterest income to average assets | 1.3162% | 552 |
| Noninterest expense to average assets | 4.5576% | 277 |
| Loan and lease loss provision to assets | 0.1337% | 1,506 |
| Net operating income to assets | 0.3558% | 5,020 |
| Return on assets (ROA) | 0.3558% | 5,017 |
| Pretax return on assets | 0.3558% | 5,082 |
| Return on Equity (ROE) | 4.4812% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.4812% | 3,505 |
| Net charge-offs to loans | 0.1901% | 877 |
| Credit loss provision to net charge-offs | 83.0769% | 2,501 |
| Earnings coverage of net charge-offs (x) | 3.0423% | 3,198 |
| Efficiency ratio | 90.3016% | 318 |
| Assets per employee ($millions) | 2.7191% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 4,226 |
| Loan loss allowance to noncurrent loans | 217.4541% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.9208% | 1,603 |
| Noncurrent loans to loans | 0.4186% | 3,156 |
| Net loans and leases to total assets | 83.9773% | 456 |
| Net loans and leases to deposits | 97.3208% | 1,012 |
| Net loans and leases to core deposits | 145.9419% | 165 |
| Total domestic deposits to total assets | 86.2892% | 2,059 |
| Equity capital to assets | 8.0933% | 5,138 |
| Core capital (leverage) ratio | 8.1905% | 5,256 |
| Tier 1 risk-based capital ratio | 10.2905% | 5,299 |
| Total risk-based capital ratio | 11.2623% | 5,327 |
| Memoranda: | ||
| Average total assets | $215,460,000 | 2,745 |
| Average earning assets | $199,950,000 | 2,738 |
| Average equity | $17,108,000 | 3,414 |
| Average total loans | $182,368,250 | 2,331 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1352% | 618 |
| Cost of funding earning assets | 1.0760% | 326 |
| Net interest margin | 4.0593% | 1,673 |
| Noninterest income to average assets | 1.2352% | 631 |
| Noninterest expense to average assets | 4.6115% | 272 |
| Loan and lease loss provision to assets | 0.0844% | 2,226 |
| Net operating income to assets | 0.3106% | 5,103 |
| Return on assets (ROA) | 0.3106% | 5,102 |
| Pretax return on assets | 0.3106% | 5,154 |
| Return on Equity (ROE) | 3.9375% | 4,844 |
| Retained earnings to average equity (ytd only) | 3.9375% | 3,637 |
| Net charge-offs to loans | 0.0767% | 1,560 |
| Credit loss provision to net charge-offs | 130.0000% | 1,722 |
| Earnings coverage of net charge-offs (x) | 6.0857% | 2,658 |
| Efficiency ratio | 92.1096% | 309 |
| Assets per employee ($millions) | 3.0868% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 4,163 |
| Loan loss allowance to noncurrent loans | 126.6176% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.1454% | 1,278 |
| Noncurrent loans to loans | 0.7417% | 2,253 |
| Net loans and leases to total assets | 84.0674% | 454 |
| Net loans and leases to deposits | 101.0795% | 726 |
| Net loans and leases to core deposits | 148.7646% | 131 |
| Total domestic deposits to total assets | 83.1696% | 3,359 |
| Equity capital to assets | 7.9290% | 5,250 |
| Core capital (leverage) ratio | 7.9822% | 5,349 |
| Tier 1 risk-based capital ratio | 10.1832% | 5,381 |
| Total risk-based capital ratio | 11.1964% | 5,390 |
| Memoranda: | ||
| Average total assets | $215,677,330 | 2,761 |
| Average earning assets | $200,380,000 | 2,752 |
| Average equity | $17,015,670 | 3,443 |
| Average total loans | $182,475,330 | 2,331 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 627 |
| Cost of funding earning assets | 1.0349% | 316 |
| Net interest margin | 4.0137% | 1,686 |
| Noninterest income to average assets | 0.8391% | 1,331 |
| Noninterest expense to average assets | 4.4905% | 298 |
| Loan and lease loss provision to assets | 0.0538% | 2,696 |
| Net operating income to assets | 0.0241% | 5,375 |
| Return on assets (ROA) | 0.0241% | 5,372 |
| Pretax return on assets | 0.0241% | 5,379 |
| Return on Equity (ROE) | 0.3067% | 5,362 |
| Retained earnings to average equity (ytd only) | 0.3067% | 4,760 |
| Net charge-offs to loans | 0.1297% | 1,025 |
| Credit loss provision to net charge-offs | 49.1525% | 1,960 |
| Earnings coverage of net charge-offs (x) | 0.7119% | 2,623 |
| Efficiency ratio | 98.2934% | 203 |
| Assets per employee ($millions) | 2.8877% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 4,407 |
| Loan loss allowance to noncurrent loans | 125.9231% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.1492% | 1,337 |
| Noncurrent loans to loans | 0.7221% | 2,405 |
| Net loans and leases to total assets | 84.0810% | 431 |
| Net loans and leases to deposits | 97.7482% | 885 |
| Net loans and leases to core deposits | 153.4533% | 104 |
| Total domestic deposits to total assets | 86.0179% | 2,533 |
| Equity capital to assets | 7.7903% | 5,334 |
| Core capital (leverage) ratio | 7.8937% | 5,418 |
| Tier 1 risk-based capital ratio | 9.9513% | 5,513 |
| Total risk-based capital ratio | 10.9303% | 5,523 |
| Memoranda: | ||
| Average total assets | $215,476,500 | 2,792 |
| Average earning assets | $200,212,000 | 2,783 |
| Average equity | $16,957,000 | 3,483 |
| Average total loans | $182,026,000 | 2,349 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1598% | 474 |
| Cost of funding earning assets | 0.8167% | 565 |
| Net interest margin | 4.3431% | 875 |
| Noninterest income to average assets | 0.6997% | 1,966 |
| Noninterest expense to average assets | 4.6370% | 283 |
| Loan and lease loss provision to assets | 0.6058% | 208 |
| Net operating income to assets | -0.5155% | 5,533 |
| Return on assets (ROA) | -0.5155% | 5,535 |
| Pretax return on assets | -0.5155% | 5,550 |
| Return on Equity (ROE) | -6.4283% | 5,562 |
| Retained earnings to average equity (ytd only) | -6.4283% | 5,475 |
| Net charge-offs to loans | 0.5460% | 428 |
| Credit loss provision to net charge-offs | 131.0155% | 2,008 |
| Earnings coverage of net charge-offs (x) | 0.1954% | 4,006 |
| Efficiency ratio | 98.0892% | 202 |
| Assets per employee ($millions) | 3.1526% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 4,250 |
| Loan loss allowance to noncurrent loans | 282.5581% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 1,929 |
| Noncurrent loans to loans | 0.3339% | 3,570 |
| Net loans and leases to total assets | 83.3022% | 515 |
| Net loans and leases to deposits | 102.3616% | 584 |
| Net loans and leases to core deposits | 154.6589% | 111 |
| Total domestic deposits to total assets | 81.3804% | 4,028 |
| Equity capital to assets | 7.9496% | 5,411 |
| Core capital (leverage) ratio | 8.0072% | 5,435 |
| Tier 1 risk-based capital ratio | 10.1712% | 5,491 |
| Total risk-based capital ratio | 11.1906% | 5,497 |
| Memoranda: | ||
| Average total assets | $195,943,800 | 2,959 |
| Average earning assets | $181,714,200 | 2,944 |
| Average equity | $15,711,800 | 3,638 |
| Average total loans | $165,920,400 | 2,467 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1513% | 458 |
| Cost of funding earning assets | 0.7718% | 679 |
| Net interest margin | 4.3795% | 762 |
| Noninterest income to average assets | 0.6508% | 2,203 |
| Noninterest expense to average assets | 4.7009% | 269 |
| Loan and lease loss provision to assets | 0.2906% | 544 |
| Net operating income to assets | -0.2794% | 5,599 |
| Return on assets (ROA) | -0.2794% | 5,599 |
| Pretax return on assets | -0.2794% | 5,588 |
| Return on Equity (ROE) | -3.4764% | 5,617 |
| Retained earnings to average equity (ytd only) | -3.4764% | 5,507 |
| Net charge-offs to loans | 0.0526% | 2,392 |
| Credit loss provision to net charge-offs | 651.5625% | 505 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 3,681 |
| Efficiency ratio | 99.7634% | 182 |
| Assets per employee ($millions) | 2.9352% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 4,063 |
| Loan loss allowance to noncurrent loans | 68.4820% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.6225% | 910 |
| Noncurrent loans to loans | 1.4586% | 1,282 |
| Net loans and leases to total assets | 83.1492% | 530 |
| Net loans and leases to deposits | 95.3674% | 1,168 |
| Net loans and leases to core deposits | 146.8916% | 139 |
| Total domestic deposits to total assets | 87.1882% | 1,782 |
| Equity capital to assets | 7.7918% | 5,574 |
| Core capital (leverage) ratio | 7.8501% | 5,555 |
| Tier 1 risk-based capital ratio | 9.8904% | 5,617 |
| Total risk-based capital ratio | 10.9641% | 5,623 |
| Memoranda: | ||
| Average total assets | $191,335,750 | 3,033 |
| Average earning assets | $177,427,500 | 3,014 |
| Average equity | $15,379,250 | 3,706 |
| Average total loans | $162,330,250 | 2,533 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5105% | 242 |
| Cost of funding earning assets | 0.7217% | 792 |
| Net interest margin | 4.7888% | 331 |
| Noninterest income to average assets | 0.3650% | 3,943 |
| Noninterest expense to average assets | 4.7805% | 256 |
| Loan and lease loss provision to assets | 0.3596% | 395 |
| Net operating income to assets | -0.3412% | 5,658 |
| Return on assets (ROA) | -0.3412% | 5,657 |
| Pretax return on assets | -0.3412% | 5,641 |
| Return on Equity (ROE) | -4.1953% | 5,676 |
| Retained earnings to average equity (ytd only) | -4.1953% | 5,500 |
| Net charge-offs to loans | 0.0788% | 1,837 |
| Credit loss provision to net charge-offs | 535.4839% | 625 |
| Earnings coverage of net charge-offs (x) | 0.2742% | 3,391 |
| Efficiency ratio | 99.6163% | 192 |
| Assets per employee ($millions) | 2.9729% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 4,221 |
| Loan loss allowance to noncurrent loans | 433.3333% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 2,612 |
| Noncurrent loans to loans | 0.2282% | 4,213 |
| Net loans and leases to total assets | 82.4816% | 605 |
| Net loans and leases to deposits | 102.3452% | 592 |
| Net loans and leases to core deposits | 157.8622% | 94 |
| Total domestic deposits to total assets | 80.5915% | 4,287 |
| Equity capital to assets | 8.0760% | 5,502 |
| Core capital (leverage) ratio | 8.2080% | 5,423 |
| Tier 1 risk-based capital ratio | 10.4564% | 5,474 |
| Total risk-based capital ratio | 11.5328% | 5,483 |
| Memoranda: | ||
| Average total assets | $184,668,670 | 3,109 |
| Average earning assets | $170,982,670 | 3,098 |
| Average equity | $15,016,670 | 3,761 |
| Average total loans | $157,274,330 | 2,601 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0982% | 443 |
| Cost of funding earning assets | 0.6662% | 996 |
| Net interest margin | 4.4320% | 600 |
| Noninterest income to average assets | 0.5297% | 2,767 |
| Noninterest expense to average assets | 4.8590% | 255 |
| Loan and lease loss provision to assets | 0.3898% | 292 |
| Net operating income to assets | -0.6306% | 5,755 |
| Return on assets (ROA) | -0.6306% | 5,754 |
| Pretax return on assets | -0.6306% | 5,748 |
| Return on Equity (ROE) | -7.7236% | 5,768 |
| Retained earnings to average equity (ytd only) | -7.7236% | 5,512 |
| Net charge-offs to loans | 0.1037% | 1,338 |
| Credit loss provision to net charge-offs | 435.8974% | 618 |
| Earnings coverage of net charge-offs (x) | -2.6923% | 2,894 |
| Efficiency ratio | 105.2135% | 168 |
| Assets per employee ($millions) | 2.8106% | 5,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 4,384 |
| Loan loss allowance to noncurrent loans | 237.5191% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.7711% | 2,373 |
| Noncurrent loans to loans | 0.4134% | 3,609 |
| Net loans and leases to total assets | 83.0631% | 453 |
| Net loans and leases to deposits | 94.9709% | 1,021 |
| Net loans and leases to core deposits | 124.4546% | 352 |
| Total domestic deposits to total assets | 87.4617% | 2,004 |
| Equity capital to assets | 7.9703% | 5,533 |
| Core capital (leverage) ratio | 8.7691% | 4,985 |
| Tier 1 risk-based capital ratio | 10.3914% | 5,593 |
| Total risk-based capital ratio | 11.4689% | 5,590 |
| Memoranda: | ||
| Average total assets | $174,439,500 | 3,263 |
| Average earning assets | $160,919,000 | 3,252 |
| Average equity | $14,242,000 | 3,884 |
| Average total loans | $150,470,500 | 2,695 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3582% | 319 |
| Cost of funding earning assets | 0.4833% | 2,228 |
| Net interest margin | 4.8749% | 303 |
| Noninterest income to average assets | 0.3500% | 4,226 |
| Noninterest expense to average assets | 4.8446% | 285 |
| Loan and lease loss provision to assets | 0.2635% | 775 |
| Net operating income to assets | -0.3155% | 5,745 |
| Return on assets (ROA) | -0.3155% | 5,755 |
| Pretax return on assets | -0.3155% | 5,744 |
| Return on Equity (ROE) | -3.5378% | 5,768 |
| Retained earnings to average equity (ytd only) | -3.5378% | 5,614 |
| Net charge-offs to loans | 0.1061% | 2,206 |
| Credit loss provision to net charge-offs | 282.6087% | 1,034 |
| Earnings coverage of net charge-offs (x) | -0.5580% | 4,163 |
| Efficiency ratio | 101.0854% | 209 |
| Assets per employee ($millions) | 2.6761% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 4,373 |
| Loan loss allowance to noncurrent loans | 182.5193% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.9086% | 2,091 |
| Noncurrent loans to loans | 0.5442% | 3,217 |
| Net loans and leases to total assets | 88.1577% | 118 |
| Net loans and leases to deposits | 118.7386% | 102 |
| Net loans and leases to core deposits | 147.3850% | 131 |
| Total domestic deposits to total assets | 74.2452% | 5,423 |
| Equity capital to assets | 8.3921% | 5,350 |
| Core capital (leverage) ratio | 8.7844% | 4,984 |
| Tier 1 risk-based capital ratio | 10.3507% | 5,639 |
| Total risk-based capital ratio | 11.4563% | 5,633 |
| Memoranda: | ||
| Average total assets | $148,019,800 | 3,554 |
| Average earning assets | $134,896,000 | 3,572 |
| Average equity | $13,200,400 | 4,066 |
| Average total loans | $130,030,400 | 2,921 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4056% | 291 |
| Cost of funding earning assets | 0.4790% | 2,273 |
| Net interest margin | 4.9266% | 291 |
| Noninterest income to average assets | 0.3322% | 4,413 |
| Noninterest expense to average assets | 4.9188% | 278 |
| Loan and lease loss provision to assets | 0.1767% | 1,269 |
| Net operating income to assets | -0.2770% | 5,816 |
| Return on assets (ROA) | -0.2770% | 5,823 |
| Pretax return on assets | -0.2770% | 5,809 |
| Return on Equity (ROE) | -3.0561% | 5,836 |
| Retained earnings to average equity (ytd only) | -3.0561% | 5,654 |
| Net charge-offs to loans | 0.1073% | 1,873 |
| Credit loss provision to net charge-offs | 188.2353% | 1,494 |
| Earnings coverage of net charge-offs (x) | -1.0686% | 3,855 |
| Efficiency ratio | 102.0817% | 193 |
| Assets per employee ($millions) | 2.5653% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 4,409 |
| Loan loss allowance to noncurrent loans | 148.5242% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 1.1562% | 1,738 |
| Noncurrent loans to loans | 0.6733% | 3,010 |
| Net loans and leases to total assets | 86.6967% | 205 |
| Net loans and leases to deposits | 112.7339% | 209 |
| Net loans and leases to core deposits | 135.8875% | 231 |
| Total domestic deposits to total assets | 76.9039% | 5,110 |
| Equity capital to assets | 9.0912% | 5,084 |
| Core capital (leverage) ratio | 9.0412% | 4,786 |
| Tier 1 risk-based capital ratio | 11.2988% | 5,200 |
| Total risk-based capital ratio | 12.4128% | 5,190 |
| Memoranda: | ||
| Average total assets | $144,882,750 | 3,608 |
| Average earning assets | $131,934,500 | 3,640 |
| Average equity | $13,131,750 | 4,104 |
| Average total loans | $126,794,750 | 2,975 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4162% | 291 |
| Cost of funding earning assets | 0.4802% | 2,272 |
| Net interest margin | 4.9360% | 296 |
| Noninterest income to average assets | 0.1913% | 5,353 |
| Noninterest expense to average assets | 4.8991% | 283 |
| Loan and lease loss provision to assets | 0.2161% | 970 |
| Net operating income to assets | -0.4240% | 5,906 |
| Return on assets (ROA) | -0.4240% | 5,913 |
| Pretax return on assets | -0.4240% | 5,910 |
| Return on Equity (ROE) | -4.6824% | 5,925 |
| Retained earnings to average equity (ytd only) | -4.6824% | 5,737 |
| Net charge-offs to loans | 0.1196% | 1,637 |
| Credit loss provision to net charge-offs | 206.5789% | 1,269 |
| Earnings coverage of net charge-offs (x) | -1.9868% | 3,605 |
| Efficiency ratio | 104.4308% | 187 |
| Assets per employee ($millions) | 2.6269% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 4,458 |
| Loan loss allowance to noncurrent loans | 170.3956% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 1.1216% | 1,879 |
| Noncurrent loans to loans | 0.5929% | 3,290 |
| Net loans and leases to total assets | 86.2749% | 233 |
| Net loans and leases to deposits | 106.5684% | 346 |
| Net loans and leases to core deposits | 130.5773% | 298 |
| Total domestic deposits to total assets | 80.9573% | 4,290 |
| Equity capital to assets | 9.2358% | 5,040 |
| Core capital (leverage) ratio | 8.8488% | 5,000 |
| Tier 1 risk-based capital ratio | 11.6743% | 5,043 |
| Total risk-based capital ratio | 12.8176% | 5,001 |
| Memoranda: | ||
| Average total assets | $145,291,670 | 3,626 |
| Average earning assets | $132,454,670 | 3,655 |
| Average equity | $13,155,670 | 4,132 |
| Average total loans | $127,125,330 | 2,984 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3693% | 304 |
| Cost of funding earning assets | 0.4732% | 2,337 |
| Net interest margin | 4.8961% | 315 |
| Noninterest income to average assets | -0.2394% | 6,111 |
| Noninterest expense to average assets | 4.9139% | 287 |
| Loan and lease loss provision to assets | 0.4272% | 312 |
| Net operating income to assets | -1.1047% | 6,037 |
| Return on assets (ROA) | -1.1047% | 6,038 |
| Pretax return on assets | -1.1047% | 6,024 |
| Return on Equity (ROE) | -12.3189% | 6,041 |
| Retained earnings to average equity (ytd only) | -12.3189% | 5,866 |
| Net charge-offs to loans | 0.0962% | 1,552 |
| Credit loss provision to net charge-offs | 506.4516% | 594 |
| Earnings coverage of net charge-offs (x) | -8.0323% | 3,055 |
| Efficiency ratio | 115.9923% | 125 |
| Assets per employee ($millions) | 2.6477% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 4,658 |
| Loan loss allowance to noncurrent loans | 88.8126% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 1,911 |
| Noncurrent loans to loans | 1.1163% | 2,165 |
| Net loans and leases to total assets | 87.1572% | 161 |
| Net loans and leases to deposits | 113.8292% | 153 |
| Net loans and leases to core deposits | 137.3962% | 193 |
| Total domestic deposits to total assets | 76.5684% | 5,351 |
| Equity capital to assets | 8.7570% | 5,375 |
| Core capital (leverage) ratio | 8.5073% | 5,387 |
| Tier 1 risk-based capital ratio | 10.9271% | 5,537 |
| Total risk-based capital ratio | 12.0444% | 5,515 |
| Memoranda: | ||
| Average total assets | $147,012,500 | 3,620 |
| Average earning assets | $134,392,500 | 3,646 |
| Average equity | $13,183,000 | 4,135 |
| Average total loans | $128,873,000 | 2,953 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4587% | 286 |
| Cost of funding earning assets | 0.5195% | 2,000 |
| Net interest margin | 4.9392% | 284 |
| Noninterest income to average assets | 0.5189% | 3,203 |
| Noninterest expense to average assets | 4.5037% | 412 |
| Loan and lease loss provision to assets | 1.0518% | 80 |
| Net operating income to assets | -0.4727% | 6,037 |
| Return on assets (ROA) | -0.4727% | 6,046 |
| Pretax return on assets | -0.4727% | 6,036 |
| Return on Equity (ROE) | -5.0743% | 6,047 |
| Retained earnings to average equity (ytd only) | -5.0743% | 5,918 |
| Net charge-offs to loans | 1.3222% | 127 |
| Credit loss provision to net charge-offs | 90.5476% | 2,754 |
| Earnings coverage of net charge-offs (x) | 0.4986% | 4,220 |
| Efficiency ratio | 88.6064% | 791 |
| Assets per employee ($millions) | 2.6992% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 5,018 |
| Loan loss allowance to noncurrent loans | 112.4158% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.9962% | 2,205 |
| Noncurrent loans to loans | 0.8167% | 2,743 |
| Net loans and leases to total assets | 86.4849% | 194 |
| Net loans and leases to deposits | 112.4917% | 192 |
| Net loans and leases to core deposits | 132.1744% | 240 |
| Total domestic deposits to total assets | 76.8811% | 5,335 |
| Equity capital to assets | 9.1812% | 4,935 |
| Core capital (leverage) ratio | 9.0236% | 4,857 |
| Tier 1 risk-based capital ratio | 11.4264% | 5,300 |
| Total risk-based capital ratio | 12.4483% | 5,320 |
| Memoranda: | ||
| Average total assets | $149,365,800 | 3,577 |
| Average earning assets | $138,018,400 | 3,562 |
| Average equity | $13,913,200 | 3,992 |
| Average total loans | $131,216,000 | 2,869 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4601% | 284 |
| Cost of funding earning assets | 0.5400% | 1,884 |
| Net interest margin | 4.9202% | 301 |
| Noninterest income to average assets | 0.5040% | 3,334 |
| Noninterest expense to average assets | 4.4772% | 413 |
| Loan and lease loss provision to assets | 0.9680% | 68 |
| Net operating income to assets | -0.3815% | 6,108 |
| Return on assets (ROA) | -0.3815% | 6,119 |
| Pretax return on assets | -0.3815% | 6,108 |
| Return on Equity (ROE) | -4.0817% | 6,125 |
| Retained earnings to average equity (ytd only) | -4.0817% | 5,995 |
| Net charge-offs to loans | 1.0740% | 172 |
| Credit loss provision to net charge-offs | 102.4413% | 2,215 |
| Earnings coverage of net charge-offs (x) | 0.6207% | 3,927 |
| Efficiency ratio | 88.4177% | 805 |
| Assets per employee ($millions) | 2.6973% | 5,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 4,416 |
| Loan loss allowance to noncurrent loans | 66.7978% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.7651% | 1,225 |
| Noncurrent loans to loans | 1.5902% | 1,562 |
| Net loans and leases to total assets | 86.8409% | 186 |
| Net loans and leases to deposits | 111.4490% | 223 |
| Net loans and leases to core deposits | 128.3748% | 302 |
| Total domestic deposits to total assets | 77.9199% | 5,198 |
| Equity capital to assets | 9.3934% | 4,887 |
| Core capital (leverage) ratio | 9.1079% | 4,868 |
| Tier 1 risk-based capital ratio | 11.7323% | 5,248 |
| Total risk-based capital ratio | 12.9270% | 5,206 |
| Memoranda: | ||
| Average total assets | $150,268,500 | 3,599 |
| Average earning assets | $139,260,500 | 3,582 |
| Average equity | $14,046,000 | 4,008 |
| Average total loans | $132,214,000 | 2,866 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4697% | 278 |
| Cost of funding earning assets | 0.5477% | 1,843 |
| Net interest margin | 4.9221% | 289 |
| Noninterest income to average assets | 0.4269% | 3,876 |
| Noninterest expense to average assets | 4.3793% | 463 |
| Loan and lease loss provision to assets | 0.6192% | 144 |
| Net operating income to assets | -0.0013% | 5,996 |
| Return on assets (ROA) | -0.0013% | 6,029 |
| Pretax return on assets | -0.0013% | 6,019 |
| Return on Equity (ROE) | -0.0141% | 6,029 |
| Retained earnings to average equity (ytd only) | -0.0141% | 5,507 |
| Net charge-offs to loans | 0.6269% | 370 |
| Credit loss provision to net charge-offs | 112.1718% | 1,903 |
| Earnings coverage of net charge-offs (x) | 1.1193% | 3,575 |
| Efficiency ratio | 87.6351% | 932 |
| Assets per employee ($millions) | 2.6916% | 5,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 4,554 |
| Loan loss allowance to noncurrent loans | 152.1452% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.8565% | 2,843 |
| Noncurrent loans to loans | 0.6954% | 3,407 |
| Net loans and leases to total assets | 87.3680% | 173 |
| Net loans and leases to deposits | 112.1461% | 223 |
| Net loans and leases to core deposits | 128.8538% | 288 |
| Total domestic deposits to total assets | 77.9055% | 5,297 |
| Equity capital to assets | 9.5530% | 4,593 |
| Core capital (leverage) ratio | 9.2641% | 4,600 |
| Tier 1 risk-based capital ratio | 11.8825% | 5,229 |
| Total risk-based capital ratio | 13.0763% | 5,163 |
| Memoranda: | ||
| Average total assets | $151,806,000 | 3,605 |
| Average earning assets | $140,957,330 | 3,584 |
| Average equity | $14,167,330 | 4,016 |
| Average total loans | $133,669,670 | 2,849 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4822% | 270 |
| Cost of funding earning assets | 0.5583% | 1,764 |
| Net interest margin | 4.9239% | 286 |
| Noninterest income to average assets | 0.3956% | 4,040 |
| Noninterest expense to average assets | 4.3074% | 494 |
| Loan and lease loss provision to assets | 0.7418% | 115 |
| Net operating income to assets | -0.0859% | 6,087 |
| Return on assets (ROA) | -0.0859% | 6,119 |
| Pretax return on assets | -0.0859% | 6,109 |
| Return on Equity (ROE) | -0.9309% | 6,123 |
| Retained earnings to average equity (ytd only) | -0.9309% | 5,546 |
| Net charge-offs to loans | 0.0118% | 2,953 |
| Credit loss provision to net charge-offs | 7,125.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 706 |
| Efficiency ratio | 86.7855% | 1,110 |
| Assets per employee ($millions) | 2.9712% | 5,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 3,950 |
| Loan loss allowance to noncurrent loans | 115.9712% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.1720% | 2,290 |
| Noncurrent loans to loans | 1.0399% | 2,685 |
| Net loans and leases to total assets | 87.1493% | 135 |
| Net loans and leases to deposits | 111.7013% | 185 |
| Net loans and leases to core deposits | 128.1763% | 266 |
| Total domestic deposits to total assets | 78.0200% | 5,446 |
| Equity capital to assets | 9.3339% | 4,924 |
| Core capital (leverage) ratio | 8.9407% | 5,026 |
| Tier 1 risk-based capital ratio | 11.6082% | 5,492 |
| Total risk-based capital ratio | 12.8591% | 5,406 |
| Memoranda: | ||
| Average total assets | $153,690,500 | 3,595 |
| Average earning assets | $142,569,500 | 3,585 |
| Average equity | $14,180,000 | 4,048 |
| Average total loans | $135,144,500 | 2,826 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6402% | 251 |
| Cost of funding earning assets | 0.5939% | 1,812 |
| Net interest margin | 5.0463% | 280 |
| Noninterest income to average assets | 0.6768% | 2,423 |
| Noninterest expense to average assets | 4.0797% | 697 |
| Loan and lease loss provision to assets | 0.1788% | 1,439 |
| Net operating income to assets | 1.1160% | 1,921 |
| Return on assets (ROA) | 1.1160% | 1,971 |
| Pretax return on assets | 1.1160% | 3,026 |
| Return on Equity (ROE) | 12.2792% | 1,329 |
| Retained earnings to average equity (ytd only) | 3.1471% | 3,999 |
| Net charge-offs to loans | 0.1894% | 2,153 |
| Credit loss provision to net charge-offs | 108.5271% | 2,196 |
| Earnings coverage of net charge-offs (x) | 7.8605% | 2,963 |
| Efficiency ratio | 75.9088% | 2,522 |
| Assets per employee ($millions) | 2.9405% | 5,773 |
| Cash dividends to net income (ytd only)* | 74.3707% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 5,176 |
| Loan loss allowance to noncurrent loans | 84.0909% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.2531% | 2,248 |
| Noncurrent loans to loans | 1.1594% | 2,517 |
| Net loans and leases to total assets | 86.8057% | 163 |
| Net loans and leases to deposits | 111.5063% | 206 |
| Net loans and leases to core deposits | 127.4602% | 277 |
| Total domestic deposits to total assets | 77.8483% | 5,464 |
| Equity capital to assets | 9.1217% | 5,162 |
| Core capital (leverage) ratio | 8.8886% | 5,135 |
| Tier 1 risk-based capital ratio | 11.3523% | 5,740 |
| Total risk-based capital ratio | 12.4506% | 5,749 |
| Memoranda: | ||
| Average total assets | $156,628,800 | 3,543 |
| Average earning assets | $145,810,200 | 3,509 |
| Average equity | $14,235,400 | 3,988 |
| Average total loans | $136,233,800 | 2,758 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6560% | 244 |
| Cost of funding earning assets | 0.5959% | 1,876 |
| Net interest margin | 5.0601% | 262 |
| Noninterest income to average assets | 0.7422% | 2,127 |
| Noninterest expense to average assets | 4.0945% | 691 |
| Loan and lease loss provision to assets | 0.2381% | 926 |
| Net operating income to assets | 1.1239% | 1,951 |
| Return on assets (ROA) | 1.1239% | 2,017 |
| Pretax return on assets | 1.1239% | 3,095 |
| Return on Equity (ROE) | 12.3777% | 1,379 |
| Retained earnings to average equity (ytd only) | 6.7600% | 1,952 |
| Net charge-offs to loans | 0.2497% | 1,545 |
| Credit loss provision to net charge-offs | 109.8039% | 2,042 |
| Earnings coverage of net charge-offs (x) | 6.2824% | 3,110 |
| Efficiency ratio | 75.0390% | 2,657 |
| Assets per employee ($millions) | 2.9793% | 5,748 |
| Cash dividends to net income (ytd only)* | 45.3858% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 5,378 |
| Loan loss allowance to noncurrent loans | 271.3415% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 4,215 |
| Noncurrent loans to loans | 0.3548% | 4,841 |
| Net loans and leases to total assets | 86.9706% | 151 |
| Net loans and leases to deposits | 111.3571% | 191 |
| Net loans and leases to core deposits | 127.6194% | 262 |
| Total domestic deposits to total assets | 78.1006% | 5,512 |
| Equity capital to assets | 9.1461% | 5,215 |
| Core capital (leverage) ratio | 8.8883% | 5,205 |
| Tier 1 risk-based capital ratio | 11.4558% | 5,809 |
| Total risk-based capital ratio | 12.5451% | 5,822 |
| Memoranda: | ||
| Average total assets | $156,824,000 | 3,566 |
| Average earning assets | $146,105,750 | 3,536 |
| Average equity | $14,240,250 | 4,007 |
| Average total loans | $136,138,000 | 2,773 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 227 |
| Cost of funding earning assets | 0.5953% | 1,939 |
| Net interest margin | 5.0862% | 242 |
| Noninterest income to average assets | 0.8667% | 1,601 |
| Noninterest expense to average assets | 4.0942% | 680 |
| Loan and lease loss provision to assets | 0.3579% | 490 |
| Net operating income to assets | 1.1543% | 1,743 |
| Return on assets (ROA) | 1.1543% | 1,820 |
| Pretax return on assets | 1.1543% | 2,860 |
| Return on Equity (ROE) | 12.7425% | 1,245 |
| Retained earnings to average equity (ytd only) | 7.8036% | 1,392 |
| Net charge-offs to loans | 0.3296% | 1,240 |
| Credit loss provision to net charge-offs | 125.5605% | 1,655 |
| Earnings coverage of net charge-offs (x) | 5.3049% | 2,950 |
| Efficiency ratio | 73.0278% | 3,155 |
| Assets per employee ($millions) | 2.9304% | 5,857 |
| Cash dividends to net income (ytd only)* | 38.7597% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 5,382 |
| Loan loss allowance to noncurrent loans | 215.6151% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.4784% | 4,569 |
| Noncurrent loans to loans | 0.4607% | 4,614 |
| Net loans and leases to total assets | 86.1069% | 170 |
| Net loans and leases to deposits | 110.8608% | 188 |
| Net loans and leases to core deposits | 124.2332% | 299 |
| Total domestic deposits to total assets | 77.6712% | 5,693 |
| Equity capital to assets | 9.0790% | 5,222 |
| Core capital (leverage) ratio | 8.7488% | 5,343 |
| Tier 1 risk-based capital ratio | 11.3265% | 5,890 |
| Total risk-based capital ratio | 12.4426% | 5,902 |
| Memoranda: | ||
| Average total assets | $156,464,000 | 3,586 |
| Average earning assets | $145,806,670 | 3,570 |
| Average equity | $14,173,000 | 4,018 |
| Average total loans | $135,295,670 | 2,792 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6961% | 226 |
| Cost of funding earning assets | 0.6016% | 1,958 |
| Net interest margin | 5.0944% | 225 |
| Noninterest income to average assets | 1.3396% | 641 |
| Noninterest expense to average assets | 4.0649% | 701 |
| Loan and lease loss provision to assets | 0.4114% | 406 |
| Net operating income to assets | 1.6095% | 658 |
| Return on assets (ROA) | 1.6095% | 685 |
| Pretax return on assets | 1.6095% | 1,151 |
| Return on Equity (ROE) | 17.7891% | 452 |
| Retained earnings to average equity (ytd only) | 17.7891% | 187 |
| Net charge-offs to loans | 0.3549% | 1,007 |
| Credit loss provision to net charge-offs | 134.4538% | 1,352 |
| Earnings coverage of net charge-offs (x) | 6.6050% | 2,207 |
| Efficiency ratio | 66.7934% | 4,400 |
| Assets per employee ($millions) | 2.9282% | 5,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 5,571 |
| Loan loss allowance to noncurrent loans | 140.2490% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 4,025 |
| Noncurrent loans to loans | 0.7052% | 4,107 |
| Net loans and leases to total assets | 85.5930% | 159 |
| Net loans and leases to deposits | 100.0902% | 433 |
| Net loans and leases to core deposits | 110.7099% | 560 |
| Total domestic deposits to total assets | 85.5159% | 3,601 |
| Equity capital to assets | 9.1181% | 4,980 |
| Core capital (leverage) ratio | 8.7930% | 5,275 |
| Tier 1 risk-based capital ratio | 11.4289% | 5,948 |
| Total risk-based capital ratio | 12.5369% | 5,972 |
| Memoranda: | ||
| Average total assets | $155,574,000 | 3,629 |
| Average earning assets | $144,942,500 | 3,605 |
| Average equity | $14,076,000 | 4,031 |
| Average total loans | $134,130,500 | 2,824 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7444% | 252 |
| Cost of funding earning assets | 0.7273% | 1,640 |
| Net interest margin | 5.0171% | 303 |
| Noninterest income to average assets | 0.6290% | 2,921 |
| Noninterest expense to average assets | 4.0623% | 812 |
| Loan and lease loss provision to assets | 0.1166% | 2,865 |
| Net operating income to assets | 1.1064% | 1,916 |
| Return on assets (ROA) | 1.1019% | 1,992 |
| Pretax return on assets | 1.1019% | 2,942 |
| Return on Equity (ROE) | 12.1618% | 1,369 |
| Retained earnings to average equity (ytd only) | 3.0458% | 4,061 |
| Net charge-offs to loans | 0.1280% | 3,534 |
| Credit loss provision to net charge-offs | 109.0909% | 2,206 |
| Earnings coverage of net charge-offs (x) | 11.4424% | 2,241 |
| Efficiency ratio | 76.8599% | 2,643 |
| Assets per employee ($millions) | 2.8338% | 6,064 |
| Cash dividends to net income (ytd only)* | 74.9559% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 5,594 |
| Loan loss allowance to noncurrent loans | 174.2021% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 4,629 |
| Noncurrent loans to loans | 0.5716% | 4,559 |
| Net loans and leases to total assets | 85.1212% | 196 |
| Net loans and leases to deposits | 107.5874% | 215 |
| Net loans and leases to core deposits | 110.7469% | 582 |
| Total domestic deposits to total assets | 79.1182% | 5,627 |
| Equity capital to assets | 8.9751% | 5,061 |
| Core capital (leverage) ratio | 8.7996% | 5,277 |
| Tier 1 risk-based capital ratio | 11.4188% | 5,954 |
| Total risk-based capital ratio | 12.5419% | 5,966 |
| Memoranda: | ||
| Average total assets | $154,372,400 | 3,635 |
| Average earning assets | $143,269,400 | 3,614 |
| Average equity | $13,986,400 | 4,075 |
| Average total loans | $128,914,200 | 2,880 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7443% | 258 |
| Cost of funding earning assets | 0.7567% | 1,559 |
| Net interest margin | 4.9876% | 322 |
| Noninterest income to average assets | 0.6481% | 2,894 |
| Noninterest expense to average assets | 4.0290% | 829 |
| Loan and lease loss provision to assets | 0.0862% | 3,338 |
| Net operating income to assets | 1.1565% | 1,783 |
| Return on assets (ROA) | 1.1565% | 1,857 |
| Pretax return on assets | 1.1565% | 2,864 |
| Return on Equity (ROE) | 12.7356% | 1,303 |
| Retained earnings to average equity (ytd only) | 8.2278% | 1,325 |
| Net charge-offs to loans | 0.1362% | 3,176 |
| Credit loss provision to net charge-offs | 76.3359% | 2,938 |
| Earnings coverage of net charge-offs (x) | 11.0078% | 2,293 |
| Efficiency ratio | 76.4264% | 2,664 |
| Assets per employee ($millions) | 2.8637% | 6,059 |
| Cash dividends to net income (ytd only)* | 35.3950% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 5,815 |
| Loan loss allowance to noncurrent loans | 192.9771% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 4,864 |
| Noncurrent loans to loans | 0.5066% | 4,931 |
| Net loans and leases to total assets | 84.3574% | 224 |
| Net loans and leases to deposits | 102.8666% | 335 |
| Net loans and leases to core deposits | 106.0261% | 757 |
| Total domestic deposits to total assets | 82.0066% | 4,929 |
| Equity capital to assets | 9.3769% | 4,708 |
| Core capital (leverage) ratio | 8.9653% | 5,174 |
| Tier 1 risk-based capital ratio | 11.7847% | 5,912 |
| Total risk-based capital ratio | 12.8672% | 5,961 |
| Memoranda: | ||
| Average total assets | $154,709,750 | 3,664 |
| Average earning assets | $143,420,000 | 3,647 |
| Average equity | $14,049,500 | 4,101 |
| Average total loans | $128,251,500 | 2,909 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6774% | 286 |
| Cost of funding earning assets | 0.7978% | 1,428 |
| Net interest margin | 4.8796% | 383 |
| Noninterest income to average assets | 0.6397% | 2,969 |
| Noninterest expense to average assets | 4.0132% | 849 |
| Loan and lease loss provision to assets | 0.0642% | 3,734 |
| Net operating income to assets | 1.0804% | 1,994 |
| Return on assets (ROA) | 1.0804% | 2,108 |
| Pretax return on assets | 1.0804% | 3,170 |
| Return on Equity (ROE) | 12.0240% | 1,485 |
| Retained earnings to average equity (ytd only) | 5.2328% | 2,900 |
| Net charge-offs to loans | 0.0735% | 3,657 |
| Credit loss provision to net charge-offs | 106.3830% | 2,082 |
| Earnings coverage of net charge-offs (x) | 18.9574% | 1,530 |
| Efficiency ratio | 77.8082% | 2,492 |
| Assets per employee ($millions) | 2.8218% | 6,133 |
| Cash dividends to net income (ytd only)* | 56.4804% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 5,832 |
| Loan loss allowance to noncurrent loans | 172.2812% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 4,632 |
| Noncurrent loans to loans | 0.5794% | 4,812 |
| Net loans and leases to total assets | 83.0147% | 293 |
| Net loans and leases to deposits | 106.6734% | 207 |
| Net loans and leases to core deposits | 110.0446% | 562 |
| Total domestic deposits to total assets | 77.8214% | 6,009 |
| Equity capital to assets | 9.0316% | 5,186 |
| Core capital (leverage) ratio | 8.6542% | 5,478 |
| Tier 1 risk-based capital ratio | 11.2126% | 6,237 |
| Total risk-based capital ratio | 12.3111% | 6,284 |
| Memoranda: | ||
| Average total assets | $155,687,000 | 3,676 |
| Average earning assets | $144,151,330 | 3,660 |
| Average equity | $13,988,670 | 4,150 |
| Average total loans | $127,902,000 | 2,918 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6025% | 312 |
| Cost of funding earning assets | 0.8401% | 1,308 |
| Net interest margin | 4.7624% | 428 |
| Noninterest income to average assets | 0.5746% | 3,274 |
| Noninterest expense to average assets | 3.9838% | 900 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9825% | 2,305 |
| Return on assets (ROA) | 0.9825% | 2,434 |
| Pretax return on assets | 0.9825% | 3,434 |
| Return on Equity (ROE) | 10.9628% | 1,723 |
| Retained earnings to average equity (ytd only) | 4.5225% | 3,520 |
| Net charge-offs to loans | 0.0252% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 47.8750% | 696 |
| Efficiency ratio | 80.2169% | 2,302 |
| Assets per employee ($millions) | 2.8535% | 6,210 |
| Cash dividends to net income (ytd only)* | 58.7467% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 5,968 |
| Loan loss allowance to noncurrent loans | 259.1549% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 5,118 |
| Noncurrent loans to loans | 0.3881% | 5,443 |
| Net loans and leases to total assets | 82.2713% | 269 |
| Net loans and leases to deposits | 102.8034% | 259 |
| Net loans and leases to core deposits | 105.9763% | 642 |
| Total domestic deposits to total assets | 80.0278% | 5,747 |
| Equity capital to assets | 9.0934% | 5,375 |
| Core capital (leverage) ratio | 8.6813% | 5,355 |
| Tier 1 risk-based capital ratio | 11.0859% | 6,368 |
| Total risk-based capital ratio | 12.1801% | 6,409 |
| Memoranda: | ||
| Average total assets | $155,931,000 | 3,708 |
| Average earning assets | $143,793,500 | 3,698 |
| Average equity | $13,974,500 | 4,204 |
| Average total loans | $126,784,500 | 2,952 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9418% | 291 |
| Cost of funding earning assets | 0.9943% | 1,386 |
| Net interest margin | 4.9475% | 412 |
| Noninterest income to average assets | 0.4910% | 3,958 |
| Noninterest expense to average assets | 4.1212% | 840 |
| Loan and lease loss provision to assets | 0.0537% | 5,137 |
| Net operating income to assets | 0.8653% | 2,983 |
| Return on assets (ROA) | 0.8640% | 3,226 |
| Pretax return on assets | 0.8640% | 4,055 |
| Return on Equity (ROE) | 9.6155% | 2,354 |
| Retained earnings to average equity (ytd only) | 6.9280% | 1,603 |
| Net charge-offs to loans | 0.0628% | 5,064 |
| Credit loss provision to net charge-offs | 109.5890% | 2,675 |
| Earnings coverage of net charge-offs (x) | 18.7671% | 1,422 |
| Efficiency ratio | 81.7674% | 1,906 |
| Assets per employee ($millions) | 2.9217% | 6,126 |
| Cash dividends to net income (ytd only)* | 27.9503% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 5,844 |
| Loan loss allowance to noncurrent loans | 268.3230% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 5,287 |
| Noncurrent loans to loans | 0.3848% | 5,531 |
| Net loans and leases to total assets | 78.7296% | 592 |
| Net loans and leases to deposits | 102.3306% | 317 |
| Net loans and leases to core deposits | 104.2099% | 777 |
| Total domestic deposits to total assets | 76.9365% | 6,237 |
| Equity capital to assets | 8.8336% | 5,710 |
| Core capital (leverage) ratio | 8.6237% | 5,433 |
| Tier 1 risk-based capital ratio | 11.0383% | 6,336 |
| Total risk-based capital ratio | 12.1480% | 6,358 |
| Memoranda: | ||
| Average total assets | $149,081,800 | 3,795 |
| Average earning assets | $137,080,400 | 3,771 |
| Average equity | $13,395,000 | 4,273 |
| Average total loans | $116,266,200 | 3,156 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9413% | 309 |
| Cost of funding earning assets | 1.0377% | 1,351 |
| Net interest margin | 4.9036% | 466 |
| Noninterest income to average assets | 0.4610% | 4,204 |
| Noninterest expense to average assets | 4.1421% | 783 |
| Loan and lease loss provision to assets | 0.0726% | 4,756 |
| Net operating income to assets | 0.7624% | 3,640 |
| Return on assets (ROA) | 0.7624% | 3,888 |
| Pretax return on assets | 0.7624% | 4,625 |
| Return on Equity (ROE) | 8.4465% | 3,066 |
| Retained earnings to average equity (ytd only) | 8.4465% | 1,427 |
| Net charge-offs to loans | 0.0222% | 5,353 |
| Credit loss provision to net charge-offs | 421.0526% | 636 |
| Earnings coverage of net charge-offs (x) | 48.4264% | 775 |
| Efficiency ratio | 83.2239% | 1,678 |
| Assets per employee ($millions) | 2.7515% | 6,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 5,562 |
| Loan loss allowance to noncurrent loans | 197.5110% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 4,952 |
| Noncurrent loans to loans | 0.5767% | 5,281 |
| Net loans and leases to total assets | 78.7992% | 636 |
| Net loans and leases to deposits | 102.8850% | 313 |
| Net loans and leases to core deposits | 105.1734% | 793 |
| Total domestic deposits to total assets | 76.5896% | 6,296 |
| Equity capital to assets | 9.3728% | 5,376 |
| Core capital (leverage) ratio | 8.6716% | 5,517 |
| Tier 1 risk-based capital ratio | 11.6245% | 6,159 |
| Total risk-based capital ratio | 12.8492% | 6,144 |
| Memoranda: | ||
| Average total assets | $146,909,000 | 3,868 |
| Average earning assets | $135,297,250 | 3,846 |
| Average equity | $13,259,500 | 4,350 |
| Average total loans | $113,955,250 | 3,238 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9042% | 341 |
| Cost of funding earning assets | 1.0658% | 1,378 |
| Net interest margin | 4.8384% | 529 |
| Noninterest income to average assets | 0.4496% | 4,292 |
| Noninterest expense to average assets | 4.1052% | 829 |
| Loan and lease loss provision to assets | 0.1093% | 4,156 |
| Net operating income to assets | 0.6833% | 3,962 |
| Return on assets (ROA) | 0.6833% | 4,219 |
| Pretax return on assets | 0.6833% | 4,876 |
| Return on Equity (ROE) | 7.6703% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.6703% | 1,775 |
| Net charge-offs to loans | 0.0267% | 5,005 |
| Credit loss provision to net charge-offs | 533.3333% | 572 |
| Earnings coverage of net charge-offs (x) | 38.6667% | 896 |
| Efficiency ratio | 83.8170% | 1,654 |
| Assets per employee ($millions) | 2.7977% | 6,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 5,483 |
| Loan loss allowance to noncurrent loans | 356.0526% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 5,306 |
| Noncurrent loans to loans | 0.3283% | 5,893 |
| Net loans and leases to total assets | 77.1382% | 823 |
| Net loans and leases to deposits | 98.2992% | 511 |
| Net loans and leases to core deposits | 105.3971% | 773 |
| Total domestic deposits to total assets | 78.4729% | 6,065 |
| Equity capital to assets | 9.1888% | 5,473 |
| Core capital (leverage) ratio | 8.6752% | 5,411 |
| Tier 1 risk-based capital ratio | 11.4107% | 6,274 |
| Total risk-based capital ratio | 12.6493% | 6,253 |
| Memoranda: | ||
| Average total assets | $146,352,330 | 3,897 |
| Average earning assets | $134,547,330 | 3,876 |
| Average equity | $13,037,330 | 4,387 |
| Average total loans | $112,464,330 | 3,281 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9916% | 308 |
| Cost of funding earning assets | 1.1085% | 1,357 |
| Net interest margin | 4.8832% | 483 |
| Noninterest income to average assets | 0.4319% | 4,439 |
| Noninterest expense to average assets | 4.1406% | 796 |
| Loan and lease loss provision to assets | 0.1100% | 3,978 |
| Net operating income to assets | 0.6658% | 4,048 |
| Return on assets (ROA) | 0.6658% | 4,265 |
| Pretax return on assets | 0.6658% | 4,896 |
| Return on Equity (ROE) | 7.5960% | 3,451 |
| Retained earnings to average equity (ytd only) | 7.5960% | 2,128 |
| Net charge-offs to loans | 0.0108% | 4,566 |
| Credit loss provision to net charge-offs | 1,333.3333% | 261 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 361 |
| Efficiency ratio | 84.2194% | 1,665 |
| Assets per employee ($millions) | 2.8328% | 6,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 5,548 |
| Loan loss allowance to noncurrent loans | 272.0739% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.7946% | 4,958 |
| Noncurrent loans to loans | 0.4368% | 5,796 |
| Net loans and leases to total assets | 76.2631% | 775 |
| Net loans and leases to deposits | 96.8657% | 486 |
| Net loans and leases to core deposits | 98.6781% | 1,075 |
| Total domestic deposits to total assets | 78.7307% | 6,138 |
| Equity capital to assets | 8.9416% | 5,582 |
| Core capital (leverage) ratio | 8.3021% | 5,869 |
| Tier 1 risk-based capital ratio | 11.4948% | 6,284 |
| Total risk-based capital ratio | 12.7447% | 6,265 |
| Memoranda: | ||
| Average total assets | $145,389,500 | 3,947 |
| Average earning assets | $133,519,500 | 3,918 |
| Average equity | $12,743,500 | 4,452 |
| Average total loans | $110,830,500 | 3,331 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0180% | 420 |
| Cost of funding earning assets | 1.3108% | 1,429 |
| Net interest margin | 4.7073% | 744 |
| Noninterest income to average assets | 0.4953% | 3,880 |
| Noninterest expense to average assets | 4.2543% | 756 |
| Loan and lease loss provision to assets | 0.2856% | 3,377 |
| Net operating income to assets | 0.2744% | 5,351 |
| Return on assets (ROA) | 0.4842% | 4,701 |
| Pretax return on assets | 0.4842% | 5,036 |
| Return on Equity (ROE) | 5.4369% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.4369% | 2,344 |
| Net charge-offs to loans | 0.1416% | 5,012 |
| Credit loss provision to net charge-offs | 274.2857% | 868 |
| Earnings coverage of net charge-offs (x) | 5.3786% | 2,815 |
| Efficiency ratio | 88.3671% | 1,328 |
| Assets per employee ($millions) | 2.8136% | 6,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 5,540 |
| Loan loss allowance to noncurrent loans | 253.5433% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9159% | 4,780 |
| Noncurrent loans to loans | 0.4612% | 5,789 |
| Net loans and leases to total assets | 74.4115% | 1,197 |
| Net loans and leases to deposits | 94.4683% | 783 |
| Net loans and leases to core deposits | 96.6608% | 1,439 |
| Total domestic deposits to total assets | 78.7688% | 6,044 |
| Equity capital to assets | 8.5908% | 6,024 |
| Core capital (leverage) ratio | 8.1627% | 6,050 |
| Tier 1 risk-based capital ratio | 11.1345% | 6,385 |
| Total risk-based capital ratio | 12.3801% | 6,365 |
| Memoranda: | ||
| Average total assets | $134,451,800 | 4,086 |
| Average earning assets | $123,362,400 | 4,065 |
| Average equity | $11,973,800 | 4,559 |
| Average total loans | $98,899,400 | 3,647 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0268% | 435 |
| Cost of funding earning assets | 1.3425% | 1,492 |
| Net interest margin | 4.6843% | 790 |
| Noninterest income to average assets | 0.5019% | 3,858 |
| Noninterest expense to average assets | 4.2771% | 734 |
| Loan and lease loss provision to assets | 0.2119% | 3,902 |
| Net operating income to assets | 0.3154% | 5,336 |
| Return on assets (ROA) | 0.6013% | 4,260 |
| Pretax return on assets | 0.6013% | 4,809 |
| Return on Equity (ROE) | 6.6863% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.6863% | 2,142 |
| Net charge-offs to loans | 0.1762% | 4,394 |
| Credit loss provision to net charge-offs | 164.5669% | 1,853 |
| Earnings coverage of net charge-offs (x) | 4.0945% | 3,182 |
| Efficiency ratio | 89.0249% | 1,247 |
| Assets per employee ($millions) | 2.9362% | 6,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 5,940 |
| Loan loss allowance to noncurrent loans | 164.6199% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 1.0210% | 4,718 |
| Noncurrent loans to loans | 0.6602% | 5,566 |
| Net loans and leases to total assets | 72.7116% | 1,565 |
| Net loans and leases to deposits | 90.2875% | 1,176 |
| Net loans and leases to core deposits | 95.3515% | 1,667 |
| Total domestic deposits to total assets | 80.5334% | 5,588 |
| Equity capital to assets | 8.9365% | 5,825 |
| Core capital (leverage) ratio | 8.2262% | 6,099 |
| Tier 1 risk-based capital ratio | 11.5610% | 6,207 |
| Total risk-based capital ratio | 12.6973% | 6,266 |
| Memoranda: | ||
| Average total assets | $131,487,750 | 4,165 |
| Average earning assets | $120,768,250 | 4,133 |
| Average equity | $11,825,000 | 4,613 |
| Average total loans | $96,084,750 | 3,754 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0537% | 428 |
| Cost of funding earning assets | 1.3892% | 1,464 |
| Net interest margin | 4.6645% | 795 |
| Noninterest income to average assets | 0.4691% | 4,119 |
| Noninterest expense to average assets | 4.2934% | 752 |
| Loan and lease loss provision to assets | 0.1543% | 4,387 |
| Net operating income to assets | 0.3070% | 5,350 |
| Return on assets (ROA) | 0.4379% | 4,914 |
| Pretax return on assets | 0.4379% | 5,272 |
| Return on Equity (ROE) | 4.8581% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.8581% | 3,081 |
| Net charge-offs to loans | 0.2415% | 3,670 |
| Credit loss provision to net charge-offs | 87.6106% | 3,528 |
| Earnings coverage of net charge-offs (x) | 2.6195% | 3,519 |
| Efficiency ratio | 90.2983% | 1,223 |
| Assets per employee ($millions) | 2.9497% | 6,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 6,054 |
| Loan loss allowance to noncurrent loans | 236.2385% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.9449% | 4,975 |
| Noncurrent loans to loans | 0.4547% | 6,003 |
| Net loans and leases to total assets | 68.4262% | 2,531 |
| Net loans and leases to deposits | 83.5225% | 2,177 |
| Net loans and leases to core deposits | 93.5764% | 1,950 |
| Total domestic deposits to total assets | 81.9255% | 5,196 |
| Equity capital to assets | 8.8562% | 5,759 |
| Core capital (leverage) ratio | 8.1688% | 6,074 |
| Tier 1 risk-based capital ratio | 12.3500% | 5,476 |
| Total risk-based capital ratio | 13.4914% | 5,556 |
| Memoranda: | ||
| Average total assets | $128,337,330 | 4,262 |
| Average earning assets | $117,912,330 | 4,235 |
| Average equity | $11,568,330 | 4,668 |
| Average total loans | $93,578,000 | 3,848 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0120% | 458 |
| Cost of funding earning assets | 1.4545% | 1,363 |
| Net interest margin | 4.5575% | 941 |
| Noninterest income to average assets | 0.4871% | 3,993 |
| Noninterest expense to average assets | 4.5005% | 590 |
| Loan and lease loss provision to assets | 0.0455% | 5,431 |
| Net operating income to assets | 0.1331% | 5,998 |
| Return on assets (ROA) | 0.4059% | 5,007 |
| Pretax return on assets | 0.4059% | 5,323 |
| Return on Equity (ROE) | 4.4589% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.4589% | 3,503 |
| Net charge-offs to loans | 0.3203% | 2,776 |
| Credit loss provision to net charge-offs | 18.9189% | 4,264 |
| Earnings coverage of net charge-offs (x) | 0.7432% | 4,078 |
| Efficiency ratio | 96.1832% | 911 |
| Assets per employee ($millions) | 2.6835% | 6,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 6,203 |
| Loan loss allowance to noncurrent loans | 170.8333% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 1.1314% | 4,670 |
| Noncurrent loans to loans | 0.6178% | 5,795 |
| Net loans and leases to total assets | 73.1445% | 1,489 |
| Net loans and leases to deposits | 90.3413% | 1,192 |
| Net loans and leases to core deposits | 99.1019% | 1,420 |
| Total domestic deposits to total assets | 80.9646% | 5,669 |
| Equity capital to assets | 8.9968% | 5,208 |
| Core capital (leverage) ratio | 8.4212% | 5,592 |
| Tier 1 risk-based capital ratio | 12.1923% | 5,518 |
| Total risk-based capital ratio | 13.3253% | 5,617 |
| Memoranda: | ||
| Average total assets | $123,187,500 | 4,389 |
| Average earning assets | $113,306,500 | 4,369 |
| Average equity | $11,213,500 | 4,742 |
| Average total loans | $92,420,000 | 3,915 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6402% | 1,771 |
| Cost of funding earning assets | 1.5892% | 2,133 |
| Net interest margin | 4.0510% | 2,802 |
| Noninterest income to average assets | 0.4234% | 4,722 |
| Noninterest expense to average assets | 4.2534% | 854 |
| Loan and lease loss provision to assets | 0.4547% | 3,397 |
| Net operating income to assets | -0.5434% | 6,416 |
| Return on assets (ROA) | -0.4599% | 6,389 |
| Pretax return on assets | -0.4599% | 6,294 |
| Return on Equity (ROE) | -5.1089% | 6,441 |
| Retained earnings to average equity (ytd only) | -5.1089% | 6,311 |
| Net charge-offs to loans | 0.1737% | 5,282 |
| Credit loss provision to net charge-offs | 396.2121% | 623 |
| Earnings coverage of net charge-offs (x) | -0.7727% | 6,543 |
| Efficiency ratio | 102.1294% | 719 |
| Assets per employee ($millions) | 2.6142% | 6,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 5,785 |
| Loan loss allowance to noncurrent loans | 72.3493% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.2698% | 4,495 |
| Noncurrent loans to loans | 1.5753% | 4,141 |
| Net loans and leases to total assets | 75.3085% | 1,412 |
| Net loans and leases to deposits | 99.8820% | 588 |
| Net loans and leases to core deposits | 110.9382% | 874 |
| Total domestic deposits to total assets | 75.3975% | 6,712 |
| Equity capital to assets | 9.2140% | 4,820 |
| Core capital (leverage) ratio | 8.5791% | 5,226 |
| Tier 1 risk-based capital ratio | 12.2053% | 5,292 |
| Total risk-based capital ratio | 13.4622% | 5,258 |
| Memoranda: | ||
| Average total assets | $115,014,000 | 4,591 |
| Average earning assets | $106,220,000 | 4,556 |
| Average equity | $10,354,400 | 5,022 |
| Average total loans | $75,991,600 | 4,454 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5270% | 2,330 |
| Cost of funding earning assets | 1.6509% | 2,098 |
| Net interest margin | 3.8761% | 3,635 |
| Noninterest income to average assets | 0.4327% | 4,694 |
| Noninterest expense to average assets | 4.1522% | 877 |
| Loan and lease loss provision to assets | 0.3729% | 3,659 |
| Net operating income to assets | -0.5159% | 6,603 |
| Return on assets (ROA) | -0.4034% | 6,563 |
| Pretax return on assets | -0.4034% | 6,495 |
| Return on Equity (ROE) | -4.5086% | 6,609 |
| Retained earnings to average equity (ytd only) | -4.5086% | 6,516 |
| Net charge-offs to loans | 0.1646% | 5,003 |
| Credit loss provision to net charge-offs | 357.3034% | 871 |
| Earnings coverage of net charge-offs (x) | -1.3708% | 6,493 |
| Efficiency ratio | 103.5683% | 643 |
| Assets per employee ($millions) | 2.4766% | 7,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 6,078 |
| Loan loss allowance to noncurrent loans | 215.1220% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 6,366 |
| Noncurrent loans to loans | 0.4970% | 6,208 |
| Net loans and leases to total assets | 71.6414% | 2,332 |
| Net loans and leases to deposits | 96.5127% | 925 |
| Net loans and leases to core deposits | 114.1323% | 825 |
| Total domestic deposits to total assets | 74.2300% | 6,894 |
| Equity capital to assets | 8.8402% | 5,795 |
| Core capital (leverage) ratio | 8.1984% | 6,043 |
| Tier 1 risk-based capital ratio | 12.1219% | 5,344 |
| Total risk-based capital ratio | 13.2875% | 5,394 |
| Memoranda: | ||
| Average total assets | $113,704,500 | 4,682 |
| Average earning assets | $104,912,750 | 4,643 |
| Average equity | $10,173,000 | 5,139 |
| Average total loans | $72,088,500 | 4,680 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3218% | 3,363 |
| Cost of funding earning assets | 1.7727% | 1,754 |
| Net interest margin | 3.5491% | 5,051 |
| Noninterest income to average assets | 0.3837% | 5,052 |
| Noninterest expense to average assets | 3.9971% | 1,054 |
| Loan and lease loss provision to assets | 0.4365% | 3,130 |
| Net operating income to assets | -0.7762% | 6,851 |
| Return on assets (ROA) | -0.7128% | 6,827 |
| Pretax return on assets | -0.7128% | 6,730 |
| Return on Equity (ROE) | -7.9357% | 6,886 |
| Retained earnings to average equity (ytd only) | -7.9357% | 6,810 |
| Net charge-offs to loans | 0.2448% | 4,132 |
| Credit loss provision to net charge-offs | 295.2381% | 1,259 |
| Earnings coverage of net charge-offs (x) | -2.2976% | 6,227 |
| Efficiency ratio | 109.2878% | 560 |
| Assets per employee ($millions) | 2.7784% | 6,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 6,153 |
| Loan loss allowance to noncurrent loans | 137.0805% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6794% | 5,796 |
| Noncurrent loans to loans | 0.7716% | 5,725 |
| Net loans and leases to total assets | 68.7641% | 3,179 |
| Net loans and leases to deposits | 100.6824% | 667 |
| Net loans and leases to core deposits | 110.7599% | 1,117 |
| Total domestic deposits to total assets | 68.2980% | 7,417 |
| Equity capital to assets | 9.1402% | 5,234 |
| Core capital (leverage) ratio | 8.5480% | 5,330 |
| Tier 1 risk-based capital ratio | 12.5296% | 4,832 |
| Total risk-based capital ratio | 13.6530% | 4,924 |
| Memoranda: | ||
| Average total assets | $113,631,670 | 4,715 |
| Average earning assets | $104,814,330 | 4,669 |
| Average equity | $10,207,000 | 5,143 |
| Average total loans | $68,618,670 | 4,836 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0605% | 4,730 |
| Cost of funding earning assets | 2.0136% | 1,037 |
| Net interest margin | 3.0469% | 6,719 |
| Noninterest income to average assets | 0.3099% | 5,667 |
| Noninterest expense to average assets | 3.9241% | 1,138 |
| Loan and lease loss provision to assets | 0.5397% | 2,345 |
| Net operating income to assets | -1.3405% | 7,273 |
| Return on assets (ROA) | -1.3405% | 7,284 |
| Pretax return on assets | -1.3405% | 7,199 |
| Return on Equity (ROE) | -15.0516% | 7,313 |
| Retained earnings to average equity (ytd only) | -15.0516% | 7,212 |
| Net charge-offs to loans | 0.4043% | 2,826 |
| Credit loss provision to net charge-offs | 238.4615% | 1,610 |
| Earnings coverage of net charge-offs (x) | -3.5385% | 5,513 |
| Efficiency ratio | 125.6410% | 383 |
| Assets per employee ($millions) | 2.7846% | 6,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 6,155 |
| Loan loss allowance to noncurrent loans | 144.5525% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5700% | 6,073 |
| Noncurrent loans to loans | 0.7385% | 5,846 |
| Net loans and leases to total assets | 63.4072% | 4,446 |
| Net loans and leases to deposits | 84.6558% | 2,825 |
| Net loans and leases to core deposits | 98.7934% | 2,261 |
| Total domestic deposits to total assets | 74.9001% | 6,919 |
| Equity capital to assets | 9.2847% | 4,858 |
| Core capital (leverage) ratio | 8.2565% | 5,821 |
| Tier 1 risk-based capital ratio | 13.7283% | 3,846 |
| Total risk-based capital ratio | 14.8454% | 3,894 |
| Memoranda: | ||
| Average total assets | $114,880,000 | 4,743 |
| Average earning assets | $106,076,500 | 4,703 |
| Average equity | $10,231,500 | 5,168 |
| Average total loans | $64,309,000 | 5,071 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3055% | 174 |
| Cost of funding earning assets | 2.2403% | 1,869 |
| Net interest margin | 5.0652% | 399 |
| Noninterest income to average assets | 0.3945% | 5,248 |
| Noninterest expense to average assets | 3.6495% | 2,033 |
| Loan and lease loss provision to assets | 0.1968% | 5,764 |
| Net operating income to assets | 1.2505% | 1,133 |
| Return on assets (ROA) | 0.6257% | 3,291 |
| Pretax return on assets | 0.6257% | 3,823 |
| Return on Equity (ROE) | 7.8771% | 2,420 |
| Retained earnings to average equity (ytd only) | 1.5501% | 3,990 |
| Net charge-offs to loans | 0.1916% | 5,450 |
| Credit loss provision to net charge-offs | 228.1553% | 1,625 |
| Earnings coverage of net charge-offs (x) | 16.7767% | 1,232 |
| Efficiency ratio | 71.6023% | 4,329 |
| Assets per employee ($millions) | 3.2746% | 5,553 |
| Cash dividends to net income (ytd only)* | 80.3213% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 5,863 |
| Loan loss allowance to noncurrent loans | 94.2280% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 5,960 |
| Noncurrent loans to loans | 1.1743% | 4,978 |
| Net loans and leases to total assets | 48.1694% | 6,799 |
| Net loans and leases to deposits | 62.4016% | 6,423 |
| Net loans and leases to core deposits | 79.6449% | 6,134 |
| Total domestic deposits to total assets | 77.1925% | 6,420 |
| Equity capital to assets | 8.5670% | 5,775 |
| Core capital (leverage) ratio | 7.8648% | 6,366 |
| Tier 1 risk-based capital ratio | 16.0679% | 2,495 |
| Total risk-based capital ratio | 17.1704% | 2,486 |
| Memoranda: | ||
| Average total assets | $119,387,800 | 4,590 |
| Average earning assets | $110,834,600 | 4,537 |
| Average equity | $9,483,200 | 5,452 |
| Average total loans | $53,748,200 | 5,518 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4697% | 153 |
| Cost of funding earning assets | 2.1737% | 2,537 |
| Net interest margin | 5.2960% | 254 |
| Noninterest income to average assets | 0.4080% | 5,228 |
| Noninterest expense to average assets | 3.4828% | 2,321 |
| Loan and lease loss provision to assets | 0.1065% | 6,309 |
| Net operating income to assets | 1.7375% | 526 |
| Return on assets (ROA) | 1.4740% | 929 |
| Pretax return on assets | 1.4740% | 1,490 |
| Return on Equity (ROE) | 18.9361% | 366 |
| Retained earnings to average equity (ytd only) | 10.2960% | 582 |
| Net charge-offs to loans | 0.2085% | 4,733 |
| Credit loss provision to net charge-offs | 115.8537% | 4,384 |
| Earnings coverage of net charge-offs (x) | 20.0611% | 1,256 |
| Efficiency ratio | 65.3830% | 5,480 |
| Assets per employee ($millions) | 3.2217% | 5,597 |
| Cash dividends to net income (ytd only)* | 45.6274% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 6,162 |
| Loan loss allowance to noncurrent loans | 68.3333% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 0.6657% | 5,811 |
| Noncurrent loans to loans | 1.4932% | 4,425 |
| Net loans and leases to total assets | 42.2340% | 7,346 |
| Net loans and leases to deposits | 54.2322% | 7,196 |
| Net loans and leases to core deposits | 67.1912% | 7,104 |
| Total domestic deposits to total assets | 77.8763% | 6,120 |
| Equity capital to assets | 7.9371% | 6,904 |
| Core capital (leverage) ratio | 7.3003% | 7,188 |
| Tier 1 risk-based capital ratio | 12.6716% | 4,414 |
| Total risk-based capital ratio | 13.4360% | 4,755 |
| Memoranda: | ||
| Average total assets | $118,944,250 | 4,628 |
| Average earning assets | $110,470,500 | 4,577 |
| Average equity | $9,259,000 | 5,571 |
| Average total loans | $52,431,250 | 5,618 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4917% | 157 |
| Cost of funding earning assets | 2.1224% | 3,176 |
| Net interest margin | 5.3693% | 220 |
| Noninterest income to average assets | 0.4296% | 5,036 |
| Noninterest expense to average assets | 3.2534% | 3,143 |
| Loan and lease loss provision to assets | 0.0764% | 6,424 |
| Net operating income to assets | 2.0784% | 247 |
| Return on assets (ROA) | 2.0308% | 298 |
| Pretax return on assets | 2.0308% | 517 |
| Return on Equity (ROE) | 26.2674% | 117 |
| Retained earnings to average equity (ytd only) | 13.0898% | 320 |
| Net charge-offs to loans | 0.1486% | 4,705 |
| Credit loss provision to net charge-offs | 115.3846% | 4,010 |
| Earnings coverage of net charge-offs (x) | 32.5385% | 943 |
| Efficiency ratio | 60.1570% | 6,525 |
| Assets per employee ($millions) | 2.5105% | 7,229 |
| Cash dividends to net income (ytd only)* | 50.1672% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 6,167 |
| Loan loss allowance to noncurrent loans | 91.9721% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 6,107 |
| Noncurrent loans to loans | 1.0973% | 5,013 |
| Net loans and leases to total assets | 42.0209% | 7,445 |
| Net loans and leases to deposits | 53.7669% | 7,284 |
| Net loans and leases to core deposits | 66.2557% | 7,200 |
| Total domestic deposits to total assets | 78.1539% | 6,033 |
| Equity capital to assets | 7.8429% | 6,926 |
| Core capital (leverage) ratio | 6.6485% | 7,722 |
| Tier 1 risk-based capital ratio | 11.4704% | 5,414 |
| Total risk-based capital ratio | 12.2199% | 5,842 |
| Memoranda: | ||
| Average total assets | $117,784,000 | 4,692 |
| Average earning assets | $109,213,670 | 4,647 |
| Average equity | $9,106,330 | 5,650 |
| Average total loans | $52,495,670 | 5,658 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6130% | 150 |
| Cost of funding earning assets | 1.9061% | 4,594 |
| Net interest margin | 5.7070% | 136 |
| Noninterest income to average assets | 0.4480% | 4,793 |
| Noninterest expense to average assets | 2.9244% | 4,074 |
| Loan and lease loss provision to assets | 0.1389% | 5,182 |
| Net operating income to assets | 2.6570% | 100 |
| Return on assets (ROA) | 3.2926% | 62 |
| Pretax return on assets | 3.2926% | 93 |
| Return on Equity (ROE) | 42.9178% | 38 |
| Retained earnings to average equity (ytd only) | 42.9178% | 24 |
| Net charge-offs to loans | 0.0684% | 4,516 |
| Credit loss provision to net charge-offs | 444.4444% | 1,189 |
| Earnings coverage of net charge-offs (x) | 89.4444% | 480 |
| Efficiency ratio | 51.1233% | 7,499 |
| Assets per employee ($millions) | 2.7076% | 6,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 6,001 |
| Loan loss allowance to noncurrent loans | 92.3077% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5444% | 5,845 |
| Noncurrent loans to loans | 1.1090% | 4,766 |
| Net loans and leases to total assets | 42.8499% | 7,420 |
| Net loans and leases to deposits | 56.5264% | 7,132 |
| Net loans and leases to core deposits | 67.9951% | 7,132 |
| Total domestic deposits to total assets | 75.8051% | 6,552 |
| Equity capital to assets | 8.8133% | 5,601 |
| Core capital (leverage) ratio | 7.6089% | 7,015 |
| Tier 1 risk-based capital ratio | 11.1587% | 5,748 |
| Total risk-based capital ratio | 11.8905% | 6,169 |
| Memoranda: | ||
| Average total assets | $115,168,500 | 4,770 |
| Average earning assets | $106,396,500 | 4,738 |
| Average equity | $8,835,500 | 5,761 |
| Average total loans | $52,634,000 | 5,681 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5648% | 2,647 |
| Cost of funding earning assets | 2.3447% | 4,949 |
| Net interest margin | 4.2202% | 2,231 |
| Noninterest income to average assets | 0.4966% | 4,636 |
| Noninterest expense to average assets | 3.7241% | 1,905 |
| Loan and lease loss provision to assets | 0.2549% | 4,369 |
| Net operating income to assets | 0.3311% | 5,441 |
| Return on assets (ROA) | 0.4573% | 4,746 |
| Pretax return on assets | 0.4573% | 5,101 |
| Return on Equity (ROE) | 5.6554% | 4,093 |
| Retained earnings to average equity (ytd only) | 5.6554% | 1,690 |
| Net charge-offs to loans | 0.1922% | 4,267 |
| Credit loss provision to net charge-offs | 237.7778% | 1,988 |
| Earnings coverage of net charge-offs (x) | 5.4667% | 3,635 |
| Efficiency ratio | 86.4051% | 1,815 |
| Assets per employee ($millions) | 2.3508% | 7,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 5,892 |
| Loan loss allowance to noncurrent loans | 176.6102% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 6,177 |
| Noncurrent loans to loans | 0.5745% | 5,648 |
| Net loans and leases to total assets | 48.0451% | 7,185 |
| Net loans and leases to deposits | 79.8244% | 5,074 |
| Net loans and leases to core deposits | 94.0229% | 5,446 |
| Total domestic deposits to total assets | 60.1885% | 7,961 |
| Equity capital to assets | 6.3279% | 7,988 |
| Core capital (leverage) ratio | 7.6891% | 6,954 |
| Tier 1 risk-based capital ratio | 12.0552% | 4,779 |
| Total risk-based capital ratio | 12.8960% | 4,998 |
| Memoranda: | ||
| Average total assets | $83,967,400 | 5,564 |
| Average earning assets | $75,874,000 | 5,593 |
| Average equity | $6,790,000 | 6,529 |
| Average total loans | $46,828,600 | 5,832 |