Home > The Upstate National Bank > Performance and Condition Ratios
The Upstate National 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 | 4.8660% | 2,350 |
| Cost of funding earning assets | 3.4140% | 82 |
| Net interest margin | 1.4519% | 4,512 |
| Noninterest income to average assets | -0.0900% | 4,586 |
| Noninterest expense to average assets | 1.3211% | 4,430 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | -0.0233% | 4,400 |
| Return on assets (ROA) | -0.0233% | 4,384 |
| Pretax return on assets | -0.0150% | 4,363 |
| Return on Equity (ROE) | -0.2900% | 4,361 |
| Retained earnings to average equity (ytd only) | -0.2881% | 4,120 |
| Net charge-offs to loans | -0.0008% | 3,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 99.2075% | 199 |
| Assets per employee ($millions) | 14.8873% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 3,098 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.7100% | 1,016 |
| Net loans and leases to deposits | 124.9579% | 59 |
| Net loans and leases to core deposits | 200.8104% | 78 |
| Total domestic deposits to total assets | 61.3900% | 4,427 |
| Equity capital to assets | 9.5737% | 2,291 |
| Core capital (leverage) ratio | 10.2916% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7628% | 1,119 |
| Memoranda: | ||
| Average total assets | $312,701,800 | 2,356 |
| Average earning assets | $305,385,800 | 2,272 |
| Average equity | $25,342,600 | 2,498 |
| Average total loans | $257,001,600 | 1,969 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 2,248 |
| Cost of funding earning assets | 3.3295% | 78 |
| Net interest margin | 1.4758% | 4,532 |
| Noninterest income to average assets | 0.0100% | 4,534 |
| Noninterest expense to average assets | 1.2958% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1087% | 4,312 |
| Return on assets (ROA) | 0.1087% | 4,332 |
| Pretax return on assets | 0.1614% | 4,292 |
| Return on Equity (ROE) | 1.4100% | 4,268 |
| Retained earnings to average equity (ytd only) | 1.4094% | 3,863 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.9251% | 412 |
| Assets per employee ($millions) | 14.8852% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 3,484 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 83.4000% | 337 |
| Net loans and leases to deposits | 125.9673% | 54 |
| Net loans and leases to core deposits | 201.3096% | 39 |
| Total domestic deposits to total assets | 66.2100% | 4,402 |
| Equity capital to assets | 9.8880% | 1,891 |
| Core capital (leverage) ratio | 10.7043% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6470% | 1,166 |
| Memoranda: | ||
| Average total assets | $308,997,000 | 2,384 |
| Average earning assets | $302,017,250 | 2,292 |
| Average equity | $23,839,250 | 2,577 |
| Average total loans | $257,776,250 | 1,973 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 2,210 |
| Cost of funding earning assets | 3.1730% | 67 |
| Net interest margin | 1.5250% | 4,575 |
| Noninterest income to average assets | 0.0200% | 4,546 |
| Noninterest expense to average assets | 1.3340% | 4,457 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1176% | 4,349 |
| Return on assets (ROA) | 0.1176% | 4,379 |
| Pretax return on assets | 0.1728% | 4,347 |
| Return on Equity (ROE) | 1.6900% | 4,304 |
| Retained earnings to average equity (ytd only) | 1.6851% | 3,786 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.5295% | 405 |
| Assets per employee ($millions) | 13.3885% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 3,513 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 84.5300% | 240 |
| Net loans and leases to deposits | 123.1239% | 74 |
| Net loans and leases to core deposits | 198.0499% | 44 |
| Total domestic deposits to total assets | 68.6500% | 4,392 |
| Equity capital to assets | 6.9476% | 3,823 |
| Core capital (leverage) ratio | 7.5631% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9071% | 2,655 |
| Memoranda: | ||
| Average total assets | $307,799,333 | 2,395 |
| Average earning assets | $300,846,333 | 2,305 |
| Average equity | $21,482,667 | 2,740 |
| Average total loans | $255,945,333 | 1,976 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 2,284 |
| Cost of funding earning assets | 2.9217% | 41 |
| Net interest margin | 1.5939% | 4,630 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 1.4415% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0884% | 4,438 |
| Return on assets (ROA) | 0.0884% | 4,414 |
| Pretax return on assets | 0.1326% | 4,389 |
| Return on Equity (ROE) | 1.2600% | 4,362 |
| Retained earnings to average equity (ytd only) | 1.2635% | 3,829 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 91.5772% | 318 |
| Assets per employee ($millions) | 15.3504% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,480 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 82.0900% | 368 |
| Net loans and leases to deposits | 108.2440% | 211 |
| Net loans and leases to core deposits | 123.4465% | 374 |
| Total domestic deposits to total assets | 75.8400% | 4,167 |
| Equity capital to assets | 7.1800% | 3,744 |
| Core capital (leverage) ratio | 7.7320% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1907% | 2,664 |
| Memoranda: | ||
| Average total assets | $307,731,500 | 2,421 |
| Average earning assets | $300,643,500 | 2,339 |
| Average equity | $21,527,000 | 2,757 |
| Average total loans | $252,487,000 | 2,012 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 1,207 |
| Cost of funding earning assets | 1.0919% | 113 |
| Net interest margin | 3.1291% | 3,087 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 1.4187% | 4,497 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.1061% | 2,149 |
| Return on assets (ROA) | 1.1061% | 2,084 |
| Pretax return on assets | 1.5108% | 1,419 |
| Return on Equity (ROE) | 14.3000% | 1,464 |
| Retained earnings to average equity (ytd only) | 14.2996% | 349 |
| Net charge-offs to loans | -0.0004% | 3,295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.1069% | 4,336 |
| Assets per employee ($millions) | 15.4125% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,227 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 80.3900% | 549 |
| Net loans and leases to deposits | 104.6283% | 275 |
| Net loans and leases to core deposits | 123.4557% | 313 |
| Total domestic deposits to total assets | 76.8400% | 4,190 |
| Equity capital to assets | 6.7893% | 3,772 |
| Core capital (leverage) ratio | 8.0412% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4946% | 2,575 |
| Memoranda: | ||
| Average total assets | $271,311,200 | 2,598 |
| Average earning assets | $265,601,000 | 2,517 |
| Average equity | $20,986,600 | 2,858 |
| Average total loans | $229,101,400 | 2,059 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 1,001 |
| Cost of funding earning assets | 0.7152% | 244 |
| Net interest margin | 3.4178% | 1,922 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 1.4667% | 4,455 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.2764% | 1,437 |
| Return on assets (ROA) | 1.2764% | 1,402 |
| Pretax return on assets | 1.7435% | 822 |
| Return on Equity (ROE) | 15.9300% | 993 |
| Retained earnings to average equity (ytd only) | 15.9288% | 284 |
| Net charge-offs to loans | -0.0006% | 3,140 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 43.6157% | 4,472 |
| Assets per employee ($millions) | 13.0140% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,265 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 85.2200% | 168 |
| Net loans and leases to deposits | 113.5652% | 86 |
| Net loans and leases to core deposits | 140.5763% | 98 |
| Total domestic deposits to total assets | 75.0400% | 4,408 |
| Equity capital to assets | 7.5237% | 3,209 |
| Core capital (leverage) ratio | 8.4403% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2358% | 2,378 |
| Memoranda: | ||
| Average total assets | $262,076,750 | 2,672 |
| Average earning assets | $256,690,250 | 2,592 |
| Average equity | $21,001,250 | 2,899 |
| Average total loans | $223,783,000 | 2,086 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0824% | 801 |
| Cost of funding earning assets | 0.4596% | 657 |
| Net interest margin | 3.6229% | 1,036 |
| Noninterest income to average assets | 0.0225% | 4,699 |
| Noninterest expense to average assets | 1.4531% | 4,469 |
| Loan and lease loss provision to assets | 0.1548% | 604 |
| Net operating income to assets | 1.4516% | 796 |
| Return on assets (ROA) | 1.4516% | 774 |
| Pretax return on assets | 1.9664% | 411 |
| Return on Equity (ROE) | 17.7325% | 504 |
| Retained earnings to average equity (ytd only) | 17.7325% | 126 |
| Net charge-offs to loans | -0.0009% | 3,033 |
| Credit loss provision to net charge-offs | -20,000.0000% | 3,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6541% | 4,597 |
| Assets per employee ($millions) | 12.5140% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 3,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 85.5263% | 107 |
| Net loans and leases to deposits | 107.3671% | 110 |
| Net loans and leases to core deposits | 114.8840% | 263 |
| Total domestic deposits to total assets | 79.6578% | 4,254 |
| Equity capital to assets | 7.9397% | 3,165 |
| Core capital (leverage) ratio | 8.5989% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4389% | 2,315 |
| Memoranda: | ||
| Average total assets | $258,337,333 | 2,723 |
| Average earning assets | $253,280,667 | 2,648 |
| Average equity | $21,147,667 | 2,960 |
| Average total loans | $219,920,667 | 2,108 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 735 |
| Cost of funding earning assets | 0.4297% | 725 |
| Net interest margin | 3.5953% | 903 |
| Noninterest income to average assets | 0.0156% | 4,730 |
| Noninterest expense to average assets | 1.4119% | 4,527 |
| Loan and lease loss provision to assets | 0.1562% | 497 |
| Net operating income to assets | 1.4994% | 640 |
| Return on assets (ROA) | 1.4994% | 629 |
| Pretax return on assets | 1.9757% | 380 |
| Return on Equity (ROE) | 18.0375% | 337 |
| Retained earnings to average equity (ytd only) | 18.0375% | 140 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8413% | 4,648 |
| Assets per employee ($millions) | 12.5961% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 3,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 83.2091% | 113 |
| Net loans and leases to deposits | 97.8701% | 232 |
| Net loans and leases to core deposits | 104.0922% | 394 |
| Total domestic deposits to total assets | 85.0200% | 3,533 |
| Equity capital to assets | 7.9268% | 3,625 |
| Core capital (leverage) ratio | 8.5019% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9982% | 2,606 |
| Memoranda: | ||
| Average total assets | $256,109,000 | 2,745 |
| Average earning assets | $251,328,000 | 2,677 |
| Average equity | $21,289,000 | 3,033 |
| Average total loans | $216,319,000 | 2,125 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 1,235 |
| Cost of funding earning assets | 0.5785% | 607 |
| Net interest margin | 3.4778% | 1,802 |
| Noninterest income to average assets | 0.0187% | 4,772 |
| Noninterest expense to average assets | 1.5124% | 4,530 |
| Loan and lease loss provision to assets | 0.1739% | 659 |
| Net operating income to assets | 1.3333% | 1,503 |
| Return on assets (ROA) | 1.3333% | 1,539 |
| Pretax return on assets | 1.7333% | 1,061 |
| Return on Equity (ROE) | 15.0847% | 938 |
| Retained earnings to average equity (ytd only) | 15.0847% | 218 |
| Net charge-offs to loans | 0.0066% | 2,331 |
| Credit loss provision to net charge-offs | 3,076.9231% | 219 |
| Earnings coverage of net charge-offs (x) | 337.3846% | 371 |
| Efficiency ratio | 44.2269% | 4,563 |
| Assets per employee ($millions) | 12.3850% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 3,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 84.0149% | 110 |
| Net loans and leases to deposits | 99.4233% | 206 |
| Net loans and leases to core deposits | 106.3899% | 359 |
| Total domestic deposits to total assets | 84.5022% | 3,422 |
| Equity capital to assets | 8.7243% | 3,864 |
| Core capital (leverage) ratio | 8.2033% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1905% | 2,564 |
| Memoranda: | ||
| Average total assets | $229,961,000 | 2,844 |
| Average earning assets | $224,884,400 | 2,779 |
| Average equity | $20,325,200 | 3,185 |
| Average total loans | $196,492,800 | 2,254 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 1,549 |
| Cost of funding earning assets | 0.6092% | 614 |
| Net interest margin | 3.3835% | 2,200 |
| Noninterest income to average assets | 0.0189% | 4,849 |
| Noninterest expense to average assets | 1.5548% | 4,530 |
| Loan and lease loss provision to assets | 0.1774% | 602 |
| Net operating income to assets | 1.2250% | 2,085 |
| Return on assets (ROA) | 1.2250% | 2,142 |
| Pretax return on assets | 1.5933% | 1,721 |
| Return on Equity (ROE) | 13.8102% | 1,445 |
| Retained earnings to average equity (ytd only) | 13.8102% | 527 |
| Net charge-offs to loans | 0.0090% | 1,987 |
| Credit loss provision to net charge-offs | 2,307.6923% | 298 |
| Earnings coverage of net charge-offs (x) | 230.3846% | 512 |
| Efficiency ratio | 46.7556% | 4,458 |
| Assets per employee ($millions) | 12.2069% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 3,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 82.8297% | 150 |
| Net loans and leases to deposits | 99.3974% | 238 |
| Net loans and leases to core deposits | 112.1620% | 283 |
| Total domestic deposits to total assets | 83.3319% | 3,624 |
| Equity capital to assets | 8.5751% | 4,157 |
| Core capital (leverage) ratio | 7.9731% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8006% | 2,772 |
| Memoranda: | ||
| Average total assets | $225,526,500 | 2,904 |
| Average earning assets | $220,396,250 | 2,833 |
| Average equity | $20,004,000 | 3,251 |
| Average total loans | $193,048,750 | 2,318 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 1,646 |
| Cost of funding earning assets | 0.6546% | 554 |
| Net interest margin | 3.3103% | 2,413 |
| Noninterest income to average assets | 0.0201% | 4,886 |
| Noninterest expense to average assets | 1.5511% | 4,575 |
| Loan and lease loss provision to assets | 0.1824% | 628 |
| Net operating income to assets | 1.1672% | 2,306 |
| Return on assets (ROA) | 1.1672% | 2,366 |
| Pretax return on assets | 1.5192% | 1,960 |
| Return on Equity (ROE) | 12.9991% | 1,717 |
| Retained earnings to average equity (ytd only) | 12.9991% | 717 |
| Net charge-offs to loans | 0.0137% | 1,677 |
| Credit loss provision to net charge-offs | 1,538.4615% | 348 |
| Earnings coverage of net charge-offs (x) | 143.5385% | 607 |
| Efficiency ratio | 47.6871% | 4,410 |
| Assets per employee ($millions) | 12.1916% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 3,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 86.8594% | 62 |
| Net loans and leases to deposits | 103.2780% | 195 |
| Net loans and leases to core deposits | 115.8592% | 265 |
| Total domestic deposits to total assets | 84.1025% | 3,399 |
| Equity capital to assets | 8.6988% | 4,050 |
| Core capital (leverage) ratio | 7.9762% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5631% | 2,844 |
| Memoranda: | ||
| Average total assets | $219,323,000 | 2,947 |
| Average earning assets | $214,180,000 | 2,875 |
| Average equity | $19,693,667 | 3,274 |
| Average total loans | $189,304,000 | 2,354 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 1,635 |
| Cost of funding earning assets | 0.7076% | 529 |
| Net interest margin | 3.2785% | 2,450 |
| Noninterest income to average assets | 0.0225% | 4,901 |
| Noninterest expense to average assets | 1.6457% | 4,473 |
| Loan and lease loss provision to assets | 0.1876% | 657 |
| Net operating income to assets | 1.0658% | 2,585 |
| Return on assets (ROA) | 1.0658% | 2,663 |
| Pretax return on assets | 1.3886% | 2,310 |
| Return on Equity (ROE) | 11.6719% | 2,138 |
| Retained earnings to average equity (ytd only) | 11.6719% | 1,235 |
| Net charge-offs to loans | 0.0285% | 1,203 |
| Credit loss provision to net charge-offs | 769.2308% | 486 |
| Earnings coverage of net charge-offs (x) | 64.6154% | 790 |
| Efficiency ratio | 51.0775% | 4,085 |
| Assets per employee ($millions) | 10.0790% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 3,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 83.8606% | 153 |
| Net loans and leases to deposits | 99.0001% | 319 |
| Net loans and leases to core deposits | 112.6335% | 351 |
| Total domestic deposits to total assets | 84.7076% | 3,219 |
| Equity capital to assets | 8.8546% | 3,827 |
| Core capital (leverage) ratio | 8.2230% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6547% | 2,779 |
| Memoranda: | ||
| Average total assets | $213,164,500 | 2,982 |
| Average earning assets | $208,023,000 | 2,906 |
| Average equity | $19,465,500 | 3,283 |
| Average total loans | $182,373,000 | 2,427 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5035% | 1,306 |
| Cost of funding earning assets | 1.2512% | 222 |
| Net interest margin | 3.2523% | 3,204 |
| Noninterest income to average assets | 0.0257% | 4,907 |
| Noninterest expense to average assets | 1.7863% | 4,493 |
| Loan and lease loss provision to assets | 0.2316% | 1,677 |
| Net operating income to assets | 1.1516% | 1,716 |
| Return on assets (ROA) | 1.1516% | 1,841 |
| Pretax return on assets | 1.1549% | 2,495 |
| Return on Equity (ROE) | 11.3184% | 1,519 |
| Retained earnings to average equity (ytd only) | 11.3184% | 395 |
| Net charge-offs to loans | -0.0006% | 3,916 |
| Credit loss provision to net charge-offs | -42,300.0000% | 4,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2996% | 3,950 |
| Assets per employee ($millions) | 9.7655% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 3,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 85.4093% | 115 |
| Net loans and leases to deposits | 100.6459% | 345 |
| Net loans and leases to core deposits | 119.3131% | 317 |
| Total domestic deposits to total assets | 84.8612% | 2,820 |
| Equity capital to assets | 9.6457% | 3,459 |
| Core capital (leverage) ratio | 8.2849% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7800% | 2,704 |
| Memoranda: | ||
| Average total assets | $182,614,200 | 3,082 |
| Average earning assets | $176,706,800 | 3,022 |
| Average equity | $18,580,400 | 3,316 |
| Average total loans | $155,330,000 | 2,615 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4768% | 1,635 |
| Cost of funding earning assets | 1.3953% | 167 |
| Net interest margin | 3.0814% | 3,783 |
| Noninterest income to average assets | 0.0271% | 4,938 |
| Noninterest expense to average assets | 1.8651% | 4,390 |
| Loan and lease loss provision to assets | 0.1508% | 2,513 |
| Net operating income to assets | 0.9845% | 2,391 |
| Return on assets (ROA) | 0.9845% | 2,529 |
| Pretax return on assets | 0.9891% | 3,111 |
| Return on Equity (ROE) | 9.5328% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.5328% | 860 |
| Net charge-offs to loans | -0.0009% | 3,807 |
| Credit loss provision to net charge-offs | -20,000.0000% | 4,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0707% | 3,064 |
| Assets per employee ($millions) | 8.7340% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 3,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 84.7075% | 228 |
| Net loans and leases to deposits | 108.5347% | 255 |
| Net loans and leases to core deposits | 135.3122% | 188 |
| Total domestic deposits to total assets | 78.0465% | 4,193 |
| Equity capital to assets | 9.9127% | 3,310 |
| Core capital (leverage) ratio | 8.5012% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0767% | 2,583 |
| Memoranda: | ||
| Average total assets | $176,998,750 | 3,117 |
| Average earning assets | $171,042,250 | 3,047 |
| Average equity | $18,280,250 | 3,344 |
| Average total loans | $149,929,500 | 2,670 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 1,784 |
| Cost of funding earning assets | 1.5314% | 149 |
| Net interest margin | 3.0170% | 4,084 |
| Noninterest income to average assets | 0.0268% | 4,959 |
| Noninterest expense to average assets | 1.8843% | 4,438 |
| Loan and lease loss provision to assets | 0.1163% | 2,858 |
| Net operating income to assets | 0.9410% | 2,535 |
| Return on assets (ROA) | 0.9410% | 2,663 |
| Pretax return on assets | 0.9410% | 3,204 |
| Return on Equity (ROE) | 8.9766% | 2,372 |
| Retained earnings to average equity (ytd only) | 8.9766% | 1,016 |
| Net charge-offs to loans | -0.0014% | 3,780 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0569% | 2,817 |
| Assets per employee ($millions) | 8.3164% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 3,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 84.6262% | 211 |
| Net loans and leases to deposits | 109.3507% | 245 |
| Net loans and leases to core deposits | 134.4235% | 213 |
| Total domestic deposits to total assets | 77.3897% | 4,264 |
| Equity capital to assets | 10.1563% | 3,060 |
| Core capital (leverage) ratio | 8.5835% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0553% | 2,586 |
| Memoranda: | ||
| Average total assets | $171,949,333 | 3,142 |
| Average earning assets | $166,127,667 | 3,082 |
| Average equity | $18,024,667 | 3,357 |
| Average total loans | $145,133,333 | 2,695 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 1,682 |
| Cost of funding earning assets | 1.7059% | 127 |
| Net interest margin | 3.0039% | 4,276 |
| Noninterest income to average assets | 0.0288% | 5,006 |
| Noninterest expense to average assets | 2.0620% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8700% | 2,616 |
| Return on assets (ROA) | 0.8700% | 2,722 |
| Pretax return on assets | 0.8700% | 3,223 |
| Return on Equity (ROE) | 8.1596% | 2,448 |
| Retained earnings to average equity (ytd only) | 8.1596% | 1,183 |
| Net charge-offs to loans | -0.0029% | 3,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3279% | 2,303 |
| Assets per employee ($millions) | 7.6440% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9568% | 3,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 83.4089% | 309 |
| Net loans and leases to deposits | 99.6455% | 579 |
| Net loans and leases to core deposits | 121.7923% | 415 |
| Total domestic deposits to total assets | 83.7056% | 2,881 |
| Equity capital to assets | 10.7785% | 3,068 |
| Core capital (leverage) ratio | 9.0306% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0616% | 2,664 |
| Memoranda: | ||
| Average total assets | $166,443,500 | 3,163 |
| Average earning assets | $160,855,000 | 3,100 |
| Average equity | $17,746,000 | 3,398 |
| Average total loans | $139,556,000 | 2,729 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9452% | 1,624 |
| Cost of funding earning assets | 1.9012% | 92 |
| Net interest margin | 3.0441% | 4,464 |
| Noninterest income to average assets | 0.0289% | 5,083 |
| Noninterest expense to average assets | 2.2056% | 4,148 |
| Loan and lease loss provision to assets | 0.0939% | 2,157 |
| Net operating income to assets | 1.1487% | 2,260 |
| Return on assets (ROA) | 0.8803% | 3,368 |
| Pretax return on assets | 0.3865% | 4,734 |
| Return on Equity (ROE) | 7.9413% | 3,191 |
| Retained earnings to average equity (ytd only) | 7.9413% | 997 |
| Net charge-offs to loans | -0.0041% | 4,310 |
| Credit loss provision to net charge-offs | -2,800.0000% | 4,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6536% | 1,532 |
| Assets per employee ($millions) | 7.4872% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 3,593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.6474% | 469 |
| Net loans and leases to deposits | 108.8122% | 210 |
| Net loans and leases to core deposits | 127.6127% | 314 |
| Total domestic deposits to total assets | 75.9542% | 4,605 |
| Equity capital to assets | 10.5428% | 3,405 |
| Core capital (leverage) ratio | 9.1705% | 4,379 |
| Tier 1 risk-based capital ratio | 11.8710% | 4,438 |
| Total risk-based capital ratio | 13.0000% | 4,374 |
| Memoranda: | ||
| Average total assets | $149,032,200 | 3,313 |
| Average earning assets | $143,228,400 | 3,240 |
| Average equity | $16,521,200 | 3,492 |
| Average total loans | $120,805,400 | 2,936 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9765% | 1,606 |
| Cost of funding earning assets | 1.9437% | 78 |
| Net interest margin | 3.0328% | 4,582 |
| Noninterest income to average assets | 0.0312% | 5,149 |
| Noninterest expense to average assets | 2.1960% | 4,188 |
| Loan and lease loss provision to assets | 0.0827% | 2,254 |
| Net operating income to assets | 1.2569% | 1,996 |
| Return on assets (ROA) | 0.8922% | 3,450 |
| Pretax return on assets | 0.2995% | 4,907 |
| Return on Equity (ROE) | 7.9376% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.9376% | 1,432 |
| Net charge-offs to loans | -0.0046% | 4,184 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6175% | 1,477 |
| Assets per employee ($millions) | 7.4649% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 80.2817% | 812 |
| Net loans and leases to deposits | 112.9721% | 156 |
| Net loans and leases to core deposits | 114.1784% | 741 |
| Total domestic deposits to total assets | 71.0633% | 4,955 |
| Equity capital to assets | 10.9139% | 3,178 |
| Core capital (leverage) ratio | 9.4438% | 4,226 |
| Tier 1 risk-based capital ratio | 12.1532% | 4,339 |
| Total risk-based capital ratio | 13.2850% | 4,292 |
| Memoranda: | ||
| Average total assets | $145,110,500 | 3,394 |
| Average earning assets | $139,318,750 | 3,319 |
| Average equity | $16,310,000 | 3,542 |
| Average total loans | $116,634,250 | 3,008 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 1,379 |
| Cost of funding earning assets | 1.9373% | 74 |
| Net interest margin | 3.1000% | 4,533 |
| Noninterest income to average assets | 0.0283% | 5,205 |
| Noninterest expense to average assets | 2.2333% | 4,163 |
| Loan and lease loss provision to assets | 0.0850% | 2,141 |
| Net operating income to assets | 1.4771% | 1,209 |
| Return on assets (ROA) | 0.9148% | 3,287 |
| Pretax return on assets | 0.1232% | 5,057 |
| Return on Equity (ROE) | 8.0530% | 3,271 |
| Retained earnings to average equity (ytd only) | 8.0530% | 1,372 |
| Net charge-offs to loans | -0.0053% | 4,136 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3517% | 1,601 |
| Assets per employee ($millions) | 7.3311% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 3,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 79.4608% | 974 |
| Net loans and leases to deposits | 113.5170% | 152 |
| Net loans and leases to core deposits | 114.8293% | 736 |
| Total domestic deposits to total assets | 69.9990% | 5,048 |
| Equity capital to assets | 11.4048% | 2,698 |
| Core capital (leverage) ratio | 9.8840% | 3,722 |
| Tier 1 risk-based capital ratio | 12.8274% | 3,928 |
| Total risk-based capital ratio | 14.0137% | 3,874 |
| Memoranda: | ||
| Average total assets | $141,226,330 | 3,479 |
| Average earning assets | $135,547,330 | 3,400 |
| Average equity | $16,043,670 | 3,576 |
| Average total loans | $113,127,330 | 3,087 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 1,295 |
| Cost of funding earning assets | 1.9329% | 68 |
| Net interest margin | 3.0843% | 4,613 |
| Noninterest income to average assets | 0.0318% | 5,259 |
| Noninterest expense to average assets | 2.2263% | 4,195 |
| Loan and lease loss provision to assets | 0.0866% | 1,976 |
| Net operating income to assets | 1.8123% | 565 |
| Return on assets (ROA) | 0.9067% | 3,259 |
| Pretax return on assets | -0.4649% | 5,235 |
| Return on Equity (ROE) | 7.9977% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.9977% | 1,659 |
| Net charge-offs to loans | -0.0072% | 4,118 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3491% | 1,706 |
| Assets per employee ($millions) | 6.2392% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 3,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 80.0172% | 831 |
| Net loans and leases to deposits | 109.2691% | 235 |
| Net loans and leases to core deposits | 110.5559% | 895 |
| Total domestic deposits to total assets | 73.2295% | 4,985 |
| Equity capital to assets | 11.7067% | 2,227 |
| Core capital (leverage) ratio | 9.8994% | 3,716 |
| Tier 1 risk-based capital ratio | 13.0384% | 3,860 |
| Total risk-based capital ratio | 14.2367% | 3,782 |
| Memoranda: | ||
| Average total assets | $138,528,500 | 3,551 |
| Average earning assets | $133,062,000 | 3,467 |
| Average equity | $15,704,500 | 3,616 |
| Average total loans | $110,801,500 | 3,152 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7140% | 1,779 |
| Cost of funding earning assets | 1.2877% | 229 |
| Net interest margin | 3.4263% | 3,920 |
| Noninterest income to average assets | 0.0413% | 5,286 |
| Noninterest expense to average assets | 3.3907% | 1,167 |
| Loan and lease loss provision to assets | 0.0459% | 3,269 |
| Net operating income to assets | 0.9088% | 3,411 |
| Return on assets (ROA) | 0.9063% | 3,407 |
| Pretax return on assets | -0.1123% | 5,253 |
| Return on Equity (ROE) | 8.1003% | 3,389 |
| Retained earnings to average equity (ytd only) | 8.1003% | 1,186 |
| Net charge-offs to loans | -0.0156% | 4,626 |
| Credit loss provision to net charge-offs | -375.0000% | 4,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9063% | 127 |
| Assets per employee ($millions) | 6.6569% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 3,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 78.2001% | 1,247 |
| Net loans and leases to deposits | 109.1727% | 270 |
| Net loans and leases to core deposits | 110.4612% | 972 |
| Total domestic deposits to total assets | 71.6297% | 5,094 |
| Equity capital to assets | 10.9733% | 2,715 |
| Core capital (leverage) ratio | 9.7936% | 3,808 |
| Tier 1 risk-based capital ratio | 13.4811% | 3,555 |
| Total risk-based capital ratio | 14.6737% | 3,493 |
| Memoranda: | ||
| Average total assets | $130,856,600 | 3,641 |
| Average earning assets | $125,499,800 | 3,566 |
| Average equity | $14,641,400 | 3,680 |
| Average total loans | $102,544,400 | 3,251 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 2,014 |
| Cost of funding earning assets | 1.1128% | 375 |
| Net interest margin | 3.4748% | 3,782 |
| Noninterest income to average assets | 0.0435% | 5,355 |
| Noninterest expense to average assets | 2.6122% | 3,247 |
| Loan and lease loss provision to assets | 0.0622% | 2,731 |
| Net operating income to assets | 0.8967% | 3,544 |
| Return on assets (ROA) | 0.8925% | 3,574 |
| Pretax return on assets | 0.6956% | 4,543 |
| Return on Equity (ROE) | 7.9352% | 3,576 |
| Retained earnings to average equity (ytd only) | 7.9352% | 1,685 |
| Net charge-offs to loans | -0.0172% | 4,583 |
| Credit loss provision to net charge-offs | -461.5385% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4194% | 1,181 |
| Assets per employee ($millions) | 6.3241% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 3,131 |
| Loan loss allowance to noncurrent loans | 296.3145% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 3,518 |
| Noncurrent loans to loans | 0.3749% | 3,306 |
| Net loans and leases to total assets | 77.1517% | 1,478 |
| Net loans and leases to deposits | 117.4215% | 134 |
| Net loans and leases to core deposits | 119.4241% | 591 |
| Total domestic deposits to total assets | 65.7050% | 5,328 |
| Equity capital to assets | 10.6130% | 3,031 |
| Core capital (leverage) ratio | 11.0004% | 2,577 |
| Tier 1 risk-based capital ratio | 14.6484% | 3,046 |
| Total risk-based capital ratio | 15.8678% | 2,984 |
| Memoranda: | ||
| Average total assets | $128,622,250 | 3,701 |
| Average earning assets | $123,284,750 | 3,635 |
| Average equity | $14,466,750 | 3,725 |
| Average total loans | $100,548,500 | 3,315 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 2,012 |
| Cost of funding earning assets | 1.0006% | 469 |
| Net interest margin | 3.5239% | 3,557 |
| Noninterest income to average assets | 0.0496% | 5,401 |
| Noninterest expense to average assets | 2.6758% | 3,090 |
| Loan and lease loss provision to assets | 0.0480% | 2,951 |
| Net operating income to assets | 0.8632% | 3,618 |
| Return on assets (ROA) | 0.8568% | 3,641 |
| Pretax return on assets | 0.6969% | 4,522 |
| Return on Equity (ROE) | 7.4615% | 3,743 |
| Retained earnings to average equity (ytd only) | 7.4615% | 1,859 |
| Net charge-offs to loans | -0.0204% | 4,580 |
| Credit loss provision to net charge-offs | -300.0000% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0784% | 1,193 |
| Assets per employee ($millions) | 6.1473% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 2,997 |
| Loan loss allowance to noncurrent loans | 288.2064% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 3,503 |
| Noncurrent loans to loans | 0.3979% | 3,260 |
| Net loans and leases to total assets | 78.3265% | 1,259 |
| Net loans and leases to deposits | 111.8208% | 239 |
| Net loans and leases to core deposits | 113.1080% | 831 |
| Total domestic deposits to total assets | 70.0464% | 5,279 |
| Equity capital to assets | 11.2531% | 2,402 |
| Core capital (leverage) ratio | 11.1686% | 2,372 |
| Tier 1 risk-based capital ratio | 15.2665% | 2,749 |
| Total risk-based capital ratio | 16.5161% | 2,679 |
| Memoranda: | ||
| Average total assets | $125,119,330 | 3,772 |
| Average earning assets | $119,922,670 | 3,714 |
| Average equity | $14,367,000 | 3,759 |
| Average total loans | $97,882,000 | 3,376 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 2,188 |
| Cost of funding earning assets | 0.9056% | 580 |
| Net interest margin | 3.4971% | 3,548 |
| Noninterest income to average assets | 0.0455% | 5,480 |
| Noninterest expense to average assets | 2.6995% | 3,043 |
| Loan and lease loss provision to assets | 0.0975% | 1,888 |
| Net operating income to assets | 0.7407% | 3,942 |
| Return on assets (ROA) | 0.7407% | 3,942 |
| Pretax return on assets | 0.5977% | 4,689 |
| Return on Equity (ROE) | 6.3834% | 4,027 |
| Retained earnings to average equity (ytd only) | 6.3834% | 2,553 |
| Net charge-offs to loans | -0.0167% | 4,465 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5215% | 1,192 |
| Assets per employee ($millions) | 5.7285% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 2,924 |
| Loan loss allowance to noncurrent loans | 286.7322% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 3,541 |
| Noncurrent loans to loans | 0.4120% | 3,303 |
| Net loans and leases to total assets | 77.4507% | 1,319 |
| Net loans and leases to deposits | 111.9114% | 211 |
| Net loans and leases to core deposits | 113.2422% | 835 |
| Total domestic deposits to total assets | 69.2071% | 5,387 |
| Equity capital to assets | 11.3231% | 2,280 |
| Core capital (leverage) ratio | 11.5517% | 1,972 |
| Tier 1 risk-based capital ratio | 15.7083% | 2,584 |
| Total risk-based capital ratio | 16.9583% | 2,538 |
| Memoranda: | ||
| Average total assets | $123,132,500 | 3,847 |
| Average earning assets | $117,927,000 | 3,783 |
| Average equity | $14,287,000 | 3,797 |
| Average total loans | $95,679,500 | 3,429 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 2,592 |
| Cost of funding earning assets | 0.6683% | 1,193 |
| Net interest margin | 3.5588% | 3,305 |
| Noninterest income to average assets | 0.0529% | 5,525 |
| Noninterest expense to average assets | 2.8591% | 2,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8845% | 2,793 |
| Return on assets (ROA) | 0.8879% | 2,801 |
| Pretax return on assets | 0.6386% | 4,653 |
| Return on Equity (ROE) | 7.5028% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.5028% | 919 |
| Net charge-offs to loans | -0.0183% | 4,934 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8226% | 940 |
| Assets per employee ($millions) | 5.4654% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 2,644 |
| Loan loss allowance to noncurrent loans | 309.5628% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 3,666 |
| Noncurrent loans to loans | 0.3953% | 3,343 |
| Net loans and leases to total assets | 76.0577% | 1,581 |
| Net loans and leases to deposits | 109.7311% | 276 |
| Net loans and leases to core deposits | 111.4644% | 927 |
| Total domestic deposits to total assets | 69.3128% | 5,432 |
| Equity capital to assets | 11.8963% | 1,912 |
| Core capital (leverage) ratio | 11.5468% | 1,915 |
| Tier 1 risk-based capital ratio | 16.3894% | 2,304 |
| Total risk-based capital ratio | 17.6420% | 2,237 |
| Memoranda: | ||
| Average total assets | $117,132,800 | 3,946 |
| Average earning assets | $113,269,600 | 3,857 |
| Average equity | $13,861,400 | 3,858 |
| Average total loans | $87,294,200 | 3,583 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 3,038 |
| Cost of funding earning assets | 0.6170% | 1,420 |
| Net interest margin | 3.4682% | 3,608 |
| Noninterest income to average assets | 0.0516% | 5,607 |
| Noninterest expense to average assets | 2.7237% | 2,987 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9614% | 2,719 |
| Return on assets (ROA) | 0.9660% | 2,761 |
| Pretax return on assets | 0.6944% | 4,621 |
| Return on Equity (ROE) | 8.1739% | 3,034 |
| Retained earnings to average equity (ytd only) | 8.1739% | 1,153 |
| Net charge-offs to loans | -0.0186% | 4,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7919% | 1,129 |
| Assets per employee ($millions) | 4.9540% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 2,617 |
| Loan loss allowance to noncurrent loans | 308.4699% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 3,835 |
| Noncurrent loans to loans | 0.4067% | 3,481 |
| Net loans and leases to total assets | 74.7344% | 1,798 |
| Net loans and leases to deposits | 105.0207% | 452 |
| Net loans and leases to core deposits | 106.6519% | 1,228 |
| Total domestic deposits to total assets | 71.1616% | 5,435 |
| Equity capital to assets | 11.9540% | 1,993 |
| Core capital (leverage) ratio | 11.6474% | 1,920 |
| Tier 1 risk-based capital ratio | 16.5151% | 2,322 |
| Total risk-based capital ratio | 17.7661% | 2,274 |
| Memoranda: | ||
| Average total assets | $116,356,250 | 3,992 |
| Average earning assets | $112,792,000 | 3,904 |
| Average equity | $13,750,750 | 3,917 |
| Average total loans | $85,971,750 | 3,637 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 3,037 |
| Cost of funding earning assets | 0.5845% | 1,546 |
| Net interest margin | 3.4570% | 3,561 |
| Noninterest income to average assets | 0.0589% | 5,629 |
| Noninterest expense to average assets | 2.6872% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0181% | 2,342 |
| Return on assets (ROA) | 1.0250% | 2,355 |
| Pretax return on assets | 0.7376% | 4,462 |
| Return on Equity (ROE) | 8.7080% | 2,660 |
| Retained earnings to average equity (ytd only) | 8.7080% | 936 |
| Net charge-offs to loans | -0.0213% | 4,801 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6221% | 1,379 |
| Assets per employee ($millions) | 5.2736% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 2,452 |
| Loan loss allowance to noncurrent loans | 307.6503% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3155% | 3,863 |
| Noncurrent loans to loans | 0.4199% | 3,520 |
| Net loans and leases to total assets | 74.1542% | 1,836 |
| Net loans and leases to deposits | 84.3817% | 2,424 |
| Net loans and leases to core deposits | 85.4647% | 2,934 |
| Total domestic deposits to total assets | 87.8796% | 1,520 |
| Equity capital to assets | 12.0489% | 1,897 |
| Core capital (leverage) ratio | 11.4701% | 1,992 |
| Tier 1 risk-based capital ratio | 16.7536% | 2,217 |
| Total risk-based capital ratio | 18.0054% | 2,181 |
| Memoranda: | ||
| Average total assets | $115,509,330 | 4,035 |
| Average earning assets | $112,235,330 | 3,940 |
| Average equity | $13,596,670 | 3,948 |
| Average total loans | $84,633,670 | 3,686 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9592% | 3,178 |
| Cost of funding earning assets | 0.5957% | 1,405 |
| Net interest margin | 3.3635% | 3,788 |
| Noninterest income to average assets | 0.0347% | 5,756 |
| Noninterest expense to average assets | 2.6064% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9822% | 2,379 |
| Return on assets (ROA) | 0.9961% | 2,375 |
| Pretax return on assets | 0.7149% | 4,402 |
| Return on Equity (ROE) | 8.5636% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.5636% | 1,249 |
| Net charge-offs to loans | -0.0192% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8038% | 1,517 |
| Assets per employee ($millions) | 5.7570% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 2,378 |
| Loan loss allowance to noncurrent loans | 306.2842% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 3,980 |
| Noncurrent loans to loans | 0.4350% | 3,537 |
| Net loans and leases to total assets | 68.6714% | 2,572 |
| Net loans and leases to deposits | 77.5296% | 3,026 |
| Net loans and leases to core deposits | 78.3631% | 3,440 |
| Total domestic deposits to total assets | 88.5745% | 1,387 |
| Equity capital to assets | 11.2055% | 2,427 |
| Core capital (leverage) ratio | 10.7990% | 2,599 |
| Tier 1 risk-based capital ratio | 16.6560% | 2,297 |
| Total risk-based capital ratio | 17.9090% | 2,260 |
| Memoranda: | ||
| Average total assets | $115,254,500 | 4,077 |
| Average earning assets | $112,145,000 | 3,976 |
| Average equity | $13,405,500 | 4,003 |
| Average total loans | $83,371,000 | 3,732 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 2,280 |
| Cost of funding earning assets | 0.5984% | 1,341 |
| Net interest margin | 3.6605% | 2,859 |
| Noninterest income to average assets | 0.0518% | 5,765 |
| Noninterest expense to average assets | 3.1472% | 1,906 |
| Loan and lease loss provision to assets | 0.0240% | 3,884 |
| Net operating income to assets | 0.5827% | 4,277 |
| Return on assets (ROA) | 0.5827% | 4,391 |
| Pretax return on assets | 0.4332% | 5,152 |
| Return on Equity (ROE) | 4.6949% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.6949% | 2,551 |
| Net charge-offs to loans | 0.1394% | 1,858 |
| Credit loss provision to net charge-offs | 22.5225% | 3,658 |
| Earnings coverage of net charge-offs (x) | 4.2973% | 3,517 |
| Efficiency ratio | 87.3172% | 730 |
| Assets per employee ($millions) | 4.7658% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 2,290 |
| Loan loss allowance to noncurrent loans | 305.1913% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.3339% | 3,949 |
| Noncurrent loans to loans | 0.4431% | 3,556 |
| Net loans and leases to total assets | 74.3370% | 1,789 |
| Net loans and leases to deposits | 84.6295% | 2,346 |
| Net loans and leases to core deposits | 85.4756% | 2,888 |
| Total domestic deposits to total assets | 87.8381% | 1,718 |
| Equity capital to assets | 12.1008% | 1,741 |
| Core capital (leverage) ratio | 11.7934% | 1,728 |
| Tier 1 risk-based capital ratio | 16.8298% | 2,219 |
| Total risk-based capital ratio | 18.0861% | 2,167 |
| Memoranda: | ||
| Average total assets | $104,345,200 | 4,276 |
| Average earning assets | $101,270,600 | 4,182 |
| Average equity | $12,950,200 | 4,097 |
| Average total loans | $79,605,200 | 3,807 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 2,851 |
| Cost of funding earning assets | 0.5925% | 1,390 |
| Net interest margin | 3.5134% | 3,420 |
| Noninterest income to average assets | 0.0531% | 5,831 |
| Noninterest expense to average assets | 3.2896% | 1,591 |
| Loan and lease loss provision to assets | 0.0324% | 3,584 |
| Net operating income to assets | 0.1825% | 5,495 |
| Return on assets (ROA) | 0.1825% | 5,558 |
| Pretax return on assets | 0.1385% | 5,641 |
| Return on Equity (ROE) | 1.4606% | 5,566 |
| Retained earnings to average equity (ytd only) | 1.4606% | 4,927 |
| Net charge-offs to loans | -0.0152% | 4,913 |
| Credit loss provision to net charge-offs | -277.7778% | 4,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0636% | 346 |
| Assets per employee ($millions) | 5.1198% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 1,879 |
| Loan loss allowance to noncurrent loans | 153.0941% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.7515% | 2,678 |
| Noncurrent loans to loans | 0.9612% | 2,318 |
| Net loans and leases to total assets | 77.0320% | 1,353 |
| Net loans and leases to deposits | 100.0955% | 700 |
| Net loans and leases to core deposits | 101.2618% | 1,534 |
| Total domestic deposits to total assets | 76.9586% | 5,099 |
| Equity capital to assets | 12.2532% | 1,938 |
| Core capital (leverage) ratio | 12.1267% | 1,585 |
| Tier 1 risk-based capital ratio | 16.1814% | 2,551 |
| Total risk-based capital ratio | 17.4355% | 2,499 |
| Memoranda: | ||
| Average total assets | $103,028,250 | 4,337 |
| Average earning assets | $99,918,750 | 4,240 |
| Average equity | $12,871,750 | 4,144 |
| Average total loans | $78,856,500 | 3,854 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 2,991 |
| Cost of funding earning assets | 0.5891% | 1,407 |
| Net interest margin | 3.4815% | 3,558 |
| Noninterest income to average assets | 0.0611% | 5,887 |
| Noninterest expense to average assets | 3.5161% | 1,138 |
| Loan and lease loss provision to assets | 0.0492% | 3,164 |
| Net operating income to assets | -0.1280% | 5,824 |
| Return on assets (ROA) | -0.1280% | 5,843 |
| Pretax return on assets | -0.1280% | 5,841 |
| Return on Equity (ROE) | -1.0179% | 5,841 |
| Retained earnings to average equity (ytd only) | -1.0179% | 5,441 |
| Net charge-offs to loans | -0.0156% | 4,849 |
| Credit loss provision to net charge-offs | -416.6667% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2923% | 215 |
| Assets per employee ($millions) | 4.9350% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 1,722 |
| Loan loss allowance to noncurrent loans | 152.7228% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.7797% | 2,652 |
| Noncurrent loans to loans | 1.0072% | 2,274 |
| Net loans and leases to total assets | 76.2139% | 1,463 |
| Net loans and leases to deposits | 95.7963% | 1,101 |
| Net loans and leases to core deposits | 96.9153% | 1,897 |
| Total domestic deposits to total assets | 79.5583% | 4,658 |
| Equity capital to assets | 12.5381% | 1,745 |
| Core capital (leverage) ratio | 12.2561% | 1,485 |
| Tier 1 risk-based capital ratio | 16.7113% | 2,344 |
| Total risk-based capital ratio | 17.9678% | 2,296 |
| Memoranda: | ||
| Average total assets | $101,532,670 | 4,398 |
| Average earning assets | $98,462,330 | 4,298 |
| Average equity | $12,771,000 | 4,185 |
| Average total loans | $77,122,670 | 3,923 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0487% | 3,041 |
| Cost of funding earning assets | 0.5872% | 1,429 |
| Net interest margin | 3.4615% | 3,614 |
| Noninterest income to average assets | 0.0438% | 5,986 |
| Noninterest expense to average assets | 2.8184% | 3,003 |
| Loan and lease loss provision to assets | 0.0995% | 2,031 |
| Net operating income to assets | 0.6728% | 3,864 |
| Return on assets (ROA) | 0.6728% | 3,983 |
| Pretax return on assets | 0.4817% | 5,138 |
| Return on Equity (ROE) | 5.3399% | 4,318 |
| Retained earnings to average equity (ytd only) | 5.3399% | 2,744 |
| Net charge-offs to loans | -0.0159% | 4,743 |
| Credit loss provision to net charge-offs | -833.3333% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9040% | 1,268 |
| Assets per employee ($millions) | 5.5610% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 1,568 |
| Loan loss allowance to noncurrent loans | 152.3515% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.8072% | 2,670 |
| Noncurrent loans to loans | 1.0590% | 2,275 |
| Net loans and leases to total assets | 74.9915% | 1,552 |
| Net loans and leases to deposits | 94.3525% | 1,104 |
| Net loans and leases to core deposits | 95.1913% | 1,871 |
| Total domestic deposits to total assets | 79.4801% | 4,860 |
| Equity capital to assets | 12.8094% | 1,506 |
| Core capital (leverage) ratio | 12.8512% | 1,219 |
| Tier 1 risk-based capital ratio | 18.1417% | 1,947 |
| Total risk-based capital ratio | 19.3978% | 1,909 |
| Memoranda: | ||
| Average total assets | $100,481,000 | 4,459 |
| Average earning assets | $97,414,500 | 4,352 |
| Average equity | $12,659,500 | 4,214 |
| Average total loans | $75,574,500 | 3,982 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9286% | 3,606 |
| Cost of funding earning assets | 0.5359% | 1,877 |
| Net interest margin | 3.3927% | 3,942 |
| Noninterest income to average assets | 0.0725% | 5,942 |
| Noninterest expense to average assets | 2.8043% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7787% | 3,427 |
| Return on assets (ROA) | 0.7787% | 3,501 |
| Pretax return on assets | 0.5592% | 4,965 |
| Return on Equity (ROE) | 6.2048% | 3,949 |
| Retained earnings to average equity (ytd only) | 6.2048% | 1,701 |
| Net charge-offs to loans | -0.0114% | 5,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3744% | 1,240 |
| Assets per employee ($millions) | 5.6036% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 1,590 |
| Loan loss allowance to noncurrent loans | 147.7887% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 2,654 |
| Noncurrent loans to loans | 1.0875% | 2,166 |
| Net loans and leases to total assets | 73.0191% | 1,891 |
| Net loans and leases to deposits | 94.5759% | 1,144 |
| Net loans and leases to core deposits | 95.4349% | 1,900 |
| Total domestic deposits to total assets | 77.2069% | 5,281 |
| Equity capital to assets | 12.3900% | 1,675 |
| Core capital (leverage) ratio | 12.7508% | 1,245 |
| Tier 1 risk-based capital ratio | 18.0648% | 1,949 |
| Total risk-based capital ratio | 19.3208% | 1,903 |
| Memoranda: | ||
| Average total assets | $96,566,200 | 4,527 |
| Average earning assets | $93,673,000 | 4,438 |
| Average equity | $12,119,600 | 4,284 |
| Average total loans | $70,205,000 | 4,086 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 3,658 |
| Cost of funding earning assets | 0.5211% | 2,035 |
| Net interest margin | 3.4043% | 3,935 |
| Noninterest income to average assets | 0.0754% | 6,028 |
| Noninterest expense to average assets | 2.7534% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8685% | 3,093 |
| Return on assets (ROA) | 0.8685% | 3,183 |
| Pretax return on assets | 0.6241% | 4,912 |
| Return on Equity (ROE) | 6.8964% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.8964% | 1,739 |
| Net charge-offs to loans | -0.0097% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5213% | 1,460 |
| Assets per employee ($millions) | 6.1844% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 1,632 |
| Loan loss allowance to noncurrent loans | 147.9655% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 2,828 |
| Noncurrent loans to loans | 1.1106% | 2,278 |
| Net loans and leases to total assets | 72.5844% | 1,969 |
| Net loans and leases to deposits | 96.3537% | 970 |
| Net loans and leases to core deposits | 97.6347% | 1,731 |
| Total domestic deposits to total assets | 75.3312% | 5,594 |
| Equity capital to assets | 12.5668% | 1,704 |
| Core capital (leverage) ratio | 12.9282% | 1,230 |
| Tier 1 risk-based capital ratio | 18.5221% | 1,891 |
| Total risk-based capital ratio | 19.7812% | 1,855 |
| Memoranda: | ||
| Average total assets | $95,491,750 | 4,607 |
| Average earning assets | $92,626,750 | 4,505 |
| Average equity | $12,025,250 | 4,351 |
| Average total loans | $69,043,000 | 4,153 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 3,495 |
| Cost of funding earning assets | 0.5201% | 2,070 |
| Net interest margin | 3.4285% | 3,796 |
| Noninterest income to average assets | 0.0742% | 6,104 |
| Noninterest expense to average assets | 2.7899% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8438% | 3,151 |
| Return on assets (ROA) | 0.8438% | 3,261 |
| Pretax return on assets | 0.6106% | 4,948 |
| Return on Equity (ROE) | 6.6955% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.6955% | 1,847 |
| Net charge-offs to loans | -0.0059% | 4,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0449% | 1,486 |
| Assets per employee ($millions) | 5.2489% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7268% | 1,548 |
| Loan loss allowance to noncurrent loans | 177.0710% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.7155% | 3,248 |
| Noncurrent loans to loans | 0.9752% | 2,699 |
| Net loans and leases to total assets | 72.1020% | 1,961 |
| Net loans and leases to deposits | 90.7858% | 1,503 |
| Net loans and leases to core deposits | 91.8966% | 2,172 |
| Total domestic deposits to total assets | 79.4200% | 5,000 |
| Equity capital to assets | 12.6662% | 1,569 |
| Core capital (leverage) ratio | 12.9787% | 1,180 |
| Tier 1 risk-based capital ratio | 19.0622% | 1,778 |
| Total risk-based capital ratio | 20.3192% | 1,748 |
| Memoranda: | ||
| Average total assets | $94,338,670 | 4,674 |
| Average earning assets | $91,527,670 | 4,569 |
| Average equity | $11,888,670 | 4,399 |
| Average total loans | $67,716,330 | 4,220 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 4,073 |
| Cost of funding earning assets | 0.5113% | 2,187 |
| Net interest margin | 3.2735% | 4,334 |
| Noninterest income to average assets | 0.0764% | 6,159 |
| Noninterest expense to average assets | 2.6902% | 3,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7850% | 3,339 |
| Return on assets (ROA) | 0.7850% | 3,473 |
| Pretax return on assets | 0.5643% | 5,011 |
| Return on Equity (ROE) | 6.2450% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.2450% | 2,356 |
| Net charge-offs to loans | 0.0060% | 3,121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 395 |
| Efficiency ratio | 82.6597% | 1,540 |
| Assets per employee ($millions) | 5.2726% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 1,607 |
| Loan loss allowance to noncurrent loans | 176.6272% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 3,358 |
| Noncurrent loans to loans | 0.9930% | 2,781 |
| Net loans and leases to total assets | 70.4697% | 2,076 |
| Net loans and leases to deposits | 87.3871% | 1,682 |
| Net loans and leases to core deposits | 90.3076% | 2,099 |
| Total domestic deposits to total assets | 80.6408% | 4,905 |
| Equity capital to assets | 12.6915% | 1,574 |
| Core capital (leverage) ratio | 13.0334% | 1,146 |
| Tier 1 risk-based capital ratio | 19.0160% | 1,864 |
| Total risk-based capital ratio | 20.2731% | 1,824 |
| Memoranda: | ||
| Average total assets | $94,268,000 | 4,711 |
| Average earning assets | $91,523,000 | 4,604 |
| Average equity | $11,849,500 | 4,438 |
| Average total loans | $66,915,000 | 4,274 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 3,886 |
| Cost of funding earning assets | 0.5153% | 2,530 |
| Net interest margin | 3.4421% | 4,014 |
| Noninterest income to average assets | 0.0877% | 6,199 |
| Noninterest expense to average assets | 2.7366% | 3,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6811% | 3,984 |
| Return on assets (ROA) | 0.6811% | 4,099 |
| Pretax return on assets | 0.6921% | 4,655 |
| Return on Equity (ROE) | 5.6478% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.6478% | 2,172 |
| Net charge-offs to loans | -0.0126% | 5,604 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8145% | 1,962 |
| Assets per employee ($millions) | 4.6815% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 1,524 |
| Loan loss allowance to noncurrent loans | 171.8841% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 3,365 |
| Noncurrent loans to loans | 1.0493% | 2,725 |
| Net loans and leases to total assets | 68.9629% | 2,400 |
| Net loans and leases to deposits | 84.2016% | 2,189 |
| Net loans and leases to core deposits | 85.2882% | 2,753 |
| Total domestic deposits to total assets | 81.9022% | 4,454 |
| Equity capital to assets | 12.4469% | 1,678 |
| Core capital (leverage) ratio | 12.9743% | 1,151 |
| Tier 1 risk-based capital ratio | 19.4104% | 1,746 |
| Total risk-based capital ratio | 20.6676% | 1,713 |
| Memoranda: | ||
| Average total assets | $91,172,200 | 4,809 |
| Average earning assets | $88,492,400 | 4,690 |
| Average equity | $10,995,400 | 4,562 |
| Average total loans | $63,608,200 | 4,374 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9864% | 3,812 |
| Cost of funding earning assets | 0.5144% | 2,613 |
| Net interest margin | 3.4720% | 3,933 |
| Noninterest income to average assets | 0.0898% | 6,279 |
| Noninterest expense to average assets | 2.7164% | 3,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7303% | 3,786 |
| Return on assets (ROA) | 0.7303% | 3,888 |
| Pretax return on assets | 0.7421% | 4,552 |
| Return on Equity (ROE) | 6.1059% | 4,179 |
| Retained earnings to average equity (ytd only) | 6.1059% | 2,342 |
| Net charge-offs to loans | -0.0106% | 5,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5441% | 2,105 |
| Assets per employee ($millions) | 5.1252% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 1,652 |
| Loan loss allowance to noncurrent loans | 171.4493% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.7718% | 3,505 |
| Noncurrent loans to loans | 1.0608% | 2,956 |
| Net loans and leases to total assets | 69.2219% | 2,319 |
| Net loans and leases to deposits | 83.5842% | 2,213 |
| Net loans and leases to core deposits | 84.7129% | 2,807 |
| Total domestic deposits to total assets | 82.8170% | 4,200 |
| Equity capital to assets | 12.3182% | 1,813 |
| Core capital (leverage) ratio | 12.9442% | 1,205 |
| Tier 1 risk-based capital ratio | 19.5078% | 1,777 |
| Total risk-based capital ratio | 20.7650% | 1,744 |
| Memoranda: | ||
| Average total assets | $90,557,750 | 4,877 |
| Average earning assets | $87,863,750 | 4,749 |
| Average equity | $10,830,750 | 4,626 |
| Average total loans | $63,071,250 | 4,428 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 4,559 |
| Cost of funding earning assets | 0.5108% | 2,723 |
| Net interest margin | 3.2804% | 4,666 |
| Noninterest income to average assets | 0.0933% | 6,307 |
| Noninterest expense to average assets | 2.8269% | 3,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4378% | 5,066 |
| Return on assets (ROA) | 0.4378% | 5,145 |
| Pretax return on assets | 0.4489% | 5,423 |
| Return on Equity (ROE) | 3.6985% | 5,268 |
| Retained earnings to average equity (ytd only) | 3.6985% | 3,836 |
| Net charge-offs to loans | -0.0192% | 5,533 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2958% | 1,244 |
| Assets per employee ($millions) | 5.1864% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7959% | 1,850 |
| Loan loss allowance to noncurrent loans | 138.9671% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.9362% | 3,205 |
| Noncurrent loans to loans | 1.2923% | 2,643 |
| Net loans and leases to total assets | 69.3528% | 2,180 |
| Net loans and leases to deposits | 81.7281% | 2,280 |
| Net loans and leases to core deposits | 83.9024% | 2,750 |
| Total domestic deposits to total assets | 84.8580% | 3,581 |
| Equity capital to assets | 11.8096% | 2,144 |
| Core capital (leverage) ratio | 12.7667% | 1,255 |
| Tier 1 risk-based capital ratio | 18.7755% | 1,983 |
| Total risk-based capital ratio | 20.0276% | 1,944 |
| Memoranda: | ||
| Average total assets | $89,992,330 | 4,933 |
| Average earning assets | $87,305,670 | 4,785 |
| Average equity | $10,653,000 | 4,674 |
| Average total loans | $62,414,000 | 4,470 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 4,395 |
| Cost of funding earning assets | 0.5045% | 2,855 |
| Net interest margin | 3.3165% | 4,469 |
| Noninterest income to average assets | 0.0996% | 6,335 |
| Noninterest expense to average assets | 2.9759% | 2,961 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3352% | 5,376 |
| Return on assets (ROA) | 0.3352% | 5,426 |
| Pretax return on assets | 0.3397% | 5,624 |
| Return on Equity (ROE) | 2.8279% | 5,519 |
| Retained earnings to average equity (ytd only) | 2.8279% | 4,397 |
| Net charge-offs to loans | -0.0198% | 5,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7541% | 1,056 |
| Assets per employee ($millions) | 4.6130% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9671% | 1,580 |
| Loan loss allowance to noncurrent loans | 92.2656% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.4855% | 2,376 |
| Noncurrent loans to loans | 2.1319% | 1,719 |
| Net loans and leases to total assets | 67.1535% | 2,362 |
| Net loans and leases to deposits | 77.6194% | 2,616 |
| Net loans and leases to core deposits | 80.4137% | 2,920 |
| Total domestic deposits to total assets | 86.5164% | 3,098 |
| Equity capital to assets | 12.1795% | 1,757 |
| Core capital (leverage) ratio | 13.1822% | 1,095 |
| Tier 1 risk-based capital ratio | 20.3334% | 1,636 |
| Total risk-based capital ratio | 21.5931% | 1,600 |
| Memoranda: | ||
| Average total assets | $88,310,500 | 5,009 |
| Average earning assets | $85,633,500 | 4,877 |
| Average equity | $10,467,000 | 4,734 |
| Average total loans | $60,656,500 | 4,565 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 4,416 |
| Cost of funding earning assets | 0.4846% | 3,766 |
| Net interest margin | 3.4276% | 4,174 |
| Noninterest income to average assets | 0.1128% | 6,342 |
| Noninterest expense to average assets | 3.0622% | 2,855 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3558% | 5,314 |
| Return on assets (ROA) | 0.3869% | 5,297 |
| Pretax return on assets | 0.3988% | 5,499 |
| Return on Equity (ROE) | 3.0504% | 5,485 |
| Retained earnings to average equity (ytd only) | 3.0504% | 4,060 |
| Net charge-offs to loans | -0.0147% | 6,085 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3043% | 1,084 |
| Assets per employee ($millions) | 4.6828% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9225% | 1,730 |
| Loan loss allowance to noncurrent loans | 97.8405% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.3779% | 2,680 |
| Noncurrent loans to loans | 1.9649% | 2,027 |
| Net loans and leases to total assets | 67.5433% | 2,427 |
| Net loans and leases to deposits | 84.0621% | 1,936 |
| Net loans and leases to core deposits | 86.0296% | 2,441 |
| Total domestic deposits to total assets | 80.3493% | 5,360 |
| Equity capital to assets | 11.5303% | 2,141 |
| Core capital (leverage) ratio | 12.8281% | 1,208 |
| Tier 1 risk-based capital ratio | 19.7306% | 1,722 |
| Total risk-based capital ratio | 20.9901% | 1,690 |
| Memoranda: | ||
| Average total assets | $84,251,800 | 5,135 |
| Average earning assets | $81,514,200 | 5,000 |
| Average equity | $10,687,000 | 4,699 |
| Average total loans | $54,419,200 | 4,800 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 4,429 |
| Cost of funding earning assets | 0.4765% | 4,005 |
| Net interest margin | 3.4434% | 4,109 |
| Noninterest income to average assets | 0.1172% | 6,425 |
| Noninterest expense to average assets | 2.9998% | 2,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4314% | 5,105 |
| Return on assets (ROA) | 0.4735% | 5,069 |
| Pretax return on assets | 0.4895% | 5,385 |
| Return on Equity (ROE) | 3.6439% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.6439% | 4,102 |
| Net charge-offs to loans | -0.0127% | 5,939 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0517% | 1,253 |
| Assets per employee ($millions) | 4.7614% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9066% | 1,988 |
| Loan loss allowance to noncurrent loans | 93.9297% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4171% | 2,831 |
| Noncurrent loans to loans | 2.0298% | 2,217 |
| Net loans and leases to total assets | 66.8807% | 2,488 |
| Net loans and leases to deposits | 83.8949% | 1,887 |
| Net loans and leases to core deposits | 86.3112% | 2,377 |
| Total domestic deposits to total assets | 79.7197% | 5,575 |
| Equity capital to assets | 11.4130% | 2,366 |
| Core capital (leverage) ratio | 12.8423% | 1,264 |
| Tier 1 risk-based capital ratio | 19.4683% | 1,868 |
| Total risk-based capital ratio | 20.7281% | 1,837 |
| Memoranda: | ||
| Average total assets | $83,071,250 | 5,213 |
| Average earning assets | $80,305,250 | 5,084 |
| Average equity | $10,794,000 | 4,734 |
| Average total loans | $52,705,500 | 4,897 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 4,348 |
| Cost of funding earning assets | 0.4648% | 4,261 |
| Net interest margin | 3.4670% | 3,939 |
| Noninterest income to average assets | 0.1315% | 6,396 |
| Noninterest expense to average assets | 3.1065% | 2,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3557% | 5,385 |
| Return on assets (ROA) | 0.4193% | 5,298 |
| Pretax return on assets | 0.4417% | 5,542 |
| Return on Equity (ROE) | 3.0867% | 5,589 |
| Retained earnings to average equity (ytd only) | 3.0867% | 4,354 |
| Net charge-offs to loans | -0.0241% | 6,037 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2373% | 1,110 |
| Assets per employee ($millions) | 4.2213% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1079% | 1,620 |
| Loan loss allowance to noncurrent loans | 83.1789% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.6165% | 2,687 |
| Noncurrent loans to loans | 2.5342% | 1,822 |
| Net loans and leases to total assets | 61.1362% | 3,455 |
| Net loans and leases to deposits | 77.5447% | 2,632 |
| Net loans and leases to core deposits | 79.4954% | 3,088 |
| Total domestic deposits to total assets | 78.8399% | 5,828 |
| Equity capital to assets | 11.9247% | 1,963 |
| Core capital (leverage) ratio | 14.0529% | 810 |
| Tier 1 risk-based capital ratio | 20.8096% | 1,541 |
| Total risk-based capital ratio | 22.0703% | 1,507 |
| Memoranda: | ||
| Average total assets | $80,606,000 | 5,305 |
| Average earning assets | $77,877,670 | 5,171 |
| Average equity | $10,950,330 | 4,736 |
| Average total loans | $49,713,670 | 5,035 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 5,031 |
| Cost of funding earning assets | 0.4711% | 4,359 |
| Net interest margin | 3.2652% | 4,656 |
| Noninterest income to average assets | 0.1410% | 6,400 |
| Noninterest expense to average assets | 3.3479% | 1,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0575% | 6,410 |
| Return on assets (ROA) | 0.0575% | 6,321 |
| Pretax return on assets | 0.0575% | 6,328 |
| Return on Equity (ROE) | 0.3950% | 6,350 |
| Retained earnings to average equity (ytd only) | 0.3950% | 5,664 |
| Net charge-offs to loans | -0.0171% | 5,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7460% | 489 |
| Assets per employee ($millions) | 3.7388% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4123% | 1,233 |
| Loan loss allowance to noncurrent loans | 106.5995% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.4278% | 3,125 |
| Noncurrent loans to loans | 2.2629% | 2,315 |
| Net loans and leases to total assets | 59.9236% | 3,440 |
| Net loans and leases to deposits | 74.9522% | 2,782 |
| Net loans and leases to core deposits | 77.0361% | 3,198 |
| Total domestic deposits to total assets | 79.9491% | 5,762 |
| Equity capital to assets | 14.1221% | 992 |
| Core capital (leverage) ratio | 14.5093% | 670 |
| Tier 1 risk-based capital ratio | 22.9714% | 1,164 |
| Total risk-based capital ratio | 24.2349% | 1,139 |
| Memoranda: | ||
| Average total assets | $76,585,000 | 5,449 |
| Average earning assets | $73,869,000 | 5,325 |
| Average equity | $11,140,000 | 4,743 |
| Average total loans | $46,889,000 | 5,176 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3863% | 3,873 |
| Cost of funding earning assets | 0.4922% | 5,277 |
| Net interest margin | 3.8941% | 2,856 |
| Noninterest income to average assets | 0.1733% | 6,163 |
| Noninterest expense to average assets | 3.5871% | 1,634 |
| Loan and lease loss provision to assets | 0.0802% | 4,699 |
| Net operating income to assets | 0.2564% | 5,614 |
| Return on assets (ROA) | 0.2564% | 5,819 |
| Pretax return on assets | 0.2579% | 5,902 |
| Return on Equity (ROE) | 1.6459% | 5,990 |
| Retained earnings to average equity (ytd only) | 1.6459% | 5,040 |
| Net charge-offs to loans | 0.1884% | 3,869 |
| Credit loss provision to net charge-offs | 70.0000% | 4,164 |
| Earnings coverage of net charge-offs (x) | 2.9500% | 3,953 |
| Efficiency ratio | 91.3869% | 959 |
| Assets per employee ($millions) | 3.5550% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5480% | 1,076 |
| Loan loss allowance to noncurrent loans | 95.3202% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.6717% | 2,891 |
| Noncurrent loans to loans | 2.6730% | 1,981 |
| Net loans and leases to total assets | 59.4803% | 3,686 |
| Net loans and leases to deposits | 70.5188% | 3,633 |
| Net loans and leases to core deposits | 72.4731% | 3,984 |
| Total domestic deposits to total assets | 84.3467% | 4,159 |
| Equity capital to assets | 14.9916% | 736 |
| Core capital (leverage) ratio | 15.1704% | 547 |
| Tier 1 risk-based capital ratio | 24.5750% | 903 |
| Total risk-based capital ratio | 25.8424% | 879 |
| Memoranda: | ||
| Average total assets | $69,805,800 | 5,631 |
| Average earning assets | $67,255,600 | 5,510 |
| Average equity | $10,875,600 | 4,784 |
| Average total loans | $42,467,400 | 5,400 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5161% | 3,570 |
| Cost of funding earning assets | 0.4964% | 5,455 |
| Net interest margin | 4.0196% | 2,417 |
| Noninterest income to average assets | 0.1419% | 6,435 |
| Noninterest expense to average assets | 4.3929% | 606 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.3810% | 6,636 |
| Return on assets (ROA) | -0.3810% | 6,680 |
| Pretax return on assets | -0.3790% | 6,647 |
| Return on Equity (ROE) | -2.4205% | 6,597 |
| Retained earnings to average equity (ytd only) | -2.4205% | 6,439 |
| Net charge-offs to loans | 0.2590% | 3,174 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -2.4073% | 5,666 |
| Efficiency ratio | 109.4431% | 314 |
| Assets per employee ($millions) | 3.3936% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4622% | 1,251 |
| Loan loss allowance to noncurrent loans | 93.5258% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.6572% | 3,099 |
| Noncurrent loans to loans | 2.6326% | 2,156 |
| Net loans and leases to total assets | 59.4224% | 3,889 |
| Net loans and leases to deposits | 72.4603% | 3,540 |
| Net loans and leases to core deposits | 73.7462% | 4,005 |
| Total domestic deposits to total assets | 82.0068% | 5,022 |
| Equity capital to assets | 15.1292% | 795 |
| Core capital (leverage) ratio | 15.1146% | 592 |
| Tier 1 risk-based capital ratio | 24.7959% | 927 |
| Total risk-based capital ratio | 26.0640% | 920 |
| Memoranda: | ||
| Average total assets | $68,593,500 | 5,724 |
| Average earning assets | $66,073,750 | 5,615 |
| Average equity | $10,796,500 | 4,850 |
| Average total loans | $41,692,750 | 5,495 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7473% | 2,729 |
| Cost of funding earning assets | 0.5026% | 5,600 |
| Net interest margin | 4.2447% | 1,623 |
| Noninterest income to average assets | 0.1507% | 6,442 |
| Noninterest expense to average assets | 4.6261% | 492 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3840% | 6,671 |
| Return on assets (ROA) | -0.3840% | 6,723 |
| Pretax return on assets | -0.3840% | 6,692 |
| Return on Equity (ROE) | -2.4071% | 6,638 |
| Retained earnings to average equity (ytd only) | -2.4071% | 6,400 |
| Net charge-offs to loans | 0.5253% | 2,014 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.2037% | 5,327 |
| Efficiency ratio | 109.0529% | 343 |
| Assets per employee ($millions) | 3.1922% | 5,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5464% | 1,221 |
| Loan loss allowance to noncurrent loans | 83.3600% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.8340% | 2,992 |
| Noncurrent loans to loans | 3.0547% | 1,926 |
| Net loans and leases to total assets | 56.7836% | 4,355 |
| Net loans and leases to deposits | 67.8774% | 4,224 |
| Net loans and leases to core deposits | 69.6790% | 4,567 |
| Total domestic deposits to total assets | 83.6561% | 4,464 |
| Equity capital to assets | 15.2617% | 723 |
| Core capital (leverage) ratio | 15.6276% | 510 |
| Tier 1 risk-based capital ratio | 26.1364% | 794 |
| Total risk-based capital ratio | 27.4073% | 781 |
| Memoranda: | ||
| Average total assets | $67,702,670 | 5,790 |
| Average earning assets | $65,258,000 | 5,668 |
| Average equity | $10,801,330 | 4,859 |
| Average total loans | $41,118,000 | 5,545 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4445% | 843 |
| Cost of funding earning assets | 0.5257% | 5,631 |
| Net interest margin | 4.9188% | 457 |
| Noninterest income to average assets | 0.1204% | 6,652 |
| Noninterest expense to average assets | 4.6659% | 471 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1806% | 6,041 |
| Return on assets (ROA) | 0.1806% | 6,182 |
| Pretax return on assets | 0.1866% | 6,223 |
| Return on Equity (ROE) | 1.1067% | 6,326 |
| Retained earnings to average equity (ytd only) | 1.1067% | 5,641 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1538% | 714 |
| Assets per employee ($millions) | 3.0825% | 5,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8687% | 939 |
| Loan loss allowance to noncurrent loans | 159.2391% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 1.1413% | 4,226 |
| Noncurrent loans to loans | 1.8015% | 3,411 |
| Net loans and leases to total assets | 58.5157% | 3,955 |
| Net loans and leases to deposits | 70.5338% | 3,646 |
| Net loans and leases to core deposits | 73.4789% | 3,964 |
| Total domestic deposits to total assets | 82.9612% | 4,946 |
| Equity capital to assets | 16.0110% | 575 |
| Core capital (leverage) ratio | 16.0820% | 451 |
| Tier 1 risk-based capital ratio | 27.9603% | 646 |
| Total risk-based capital ratio | 29.2318% | 630 |
| Memoranda: | ||
| Average total assets | $66,440,000 | 5,869 |
| Average earning assets | $63,918,000 | 5,760 |
| Average equity | $10,843,000 | 4,853 |
| Average total loans | $41,217,000 | 5,587 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3332% | 5,656 |
| Cost of funding earning assets | 0.5887% | 6,143 |
| Net interest margin | 3.7445% | 4,105 |
| Noninterest income to average assets | 0.1733% | 6,249 |
| Noninterest expense to average assets | 4.1959% | 811 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.4783% | 6,469 |
| Return on assets (ROA) | -0.4783% | 6,525 |
| Pretax return on assets | -0.4676% | 6,474 |
| Return on Equity (ROE) | -3.2175% | 6,428 |
| Retained earnings to average equity (ytd only) | -3.2175% | 6,298 |
| Net charge-offs to loans | -0.0216% | 6,966 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5405% | 390 |
| Assets per employee ($millions) | 2.6026% | 6,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8163% | 960 |
| Loan loss allowance to noncurrent loans | 256.7982% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 5,237 |
| Noncurrent loans to loans | 1.0967% | 4,518 |
| Net loans and leases to total assets | 62.1050% | 3,586 |
| Net loans and leases to deposits | 75.4514% | 3,268 |
| Net loans and leases to core deposits | 77.6271% | 3,726 |
| Total domestic deposits to total assets | 82.3113% | 5,025 |
| Equity capital to assets | 16.6421% | 501 |
| Core capital (leverage) ratio | 15.6470% | 505 |
| Tier 1 risk-based capital ratio | 27.2748% | 691 |
| Total risk-based capital ratio | 28.5456% | 664 |
| Memoranda: | ||
| Average total assets | $74,429,000 | 5,629 |
| Average earning assets | $70,663,400 | 5,516 |
| Average equity | $11,064,600 | 4,764 |
| Average total loans | $46,347,400 | 5,411 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3035% | 5,941 |
| Cost of funding earning assets | 0.6030% | 6,274 |
| Net interest margin | 3.7005% | 4,326 |
| Noninterest income to average assets | 0.1719% | 6,357 |
| Noninterest expense to average assets | 4.0275% | 977 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.3578% | 6,550 |
| Return on assets (ROA) | -0.3578% | 6,605 |
| Pretax return on assets | -0.3491% | 6,529 |
| Return on Equity (ROE) | -2.4691% | 6,523 |
| Retained earnings to average equity (ytd only) | -2.4691% | 6,356 |
| Net charge-offs to loans | -0.0673% | 7,106 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4901% | 437 |
| Assets per employee ($millions) | 3.1762% | 5,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8463% | 984 |
| Loan loss allowance to noncurrent loans | 196.3025% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.8145% | 5,144 |
| Noncurrent loans to loans | 1.4499% | 4,123 |
| Net loans and leases to total assets | 54.5748% | 5,076 |
| Net loans and leases to deposits | 64.9348% | 5,056 |
| Net loans and leases to core deposits | 66.6266% | 5,353 |
| Total domestic deposits to total assets | 84.0456% | 4,209 |
| Equity capital to assets | 15.1905% | 798 |
| Core capital (leverage) ratio | 14.8715% | 693 |
| Tier 1 risk-based capital ratio | 27.3241% | 715 |
| Total risk-based capital ratio | 28.5949% | 694 |
| Memoranda: | ||
| Average total assets | $76,770,250 | 5,584 |
| Average earning assets | $72,745,500 | 5,488 |
| Average equity | $11,123,750 | 4,775 |
| Average total loans | $47,539,500 | 5,403 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 6,262 |
| Cost of funding earning assets | 0.6124% | 6,396 |
| Net interest margin | 3.5959% | 4,737 |
| Noninterest income to average assets | 0.1615% | 6,505 |
| Noninterest expense to average assets | 4.0046% | 1,043 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.4461% | 6,649 |
| Return on assets (ROA) | -0.4461% | 6,673 |
| Pretax return on assets | -0.4410% | 6,616 |
| Return on Equity (ROE) | -3.1259% | 6,599 |
| Retained earnings to average equity (ytd only) | -3.1259% | 6,386 |
| Net charge-offs to loans | -0.0966% | 7,159 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3741% | 435 |
| Assets per employee ($millions) | 3.0816% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4957% | 1,453 |
| Loan loss allowance to noncurrent loans | 50.5872% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 2.9842% | 2,244 |
| Noncurrent loans to loans | 4.9334% | 1,331 |
| Net loans and leases to total assets | 58.9798% | 4,471 |
| Net loans and leases to deposits | 69.5228% | 4,497 |
| Net loans and leases to core deposits | 71.5232% | 4,883 |
| Total domestic deposits to total assets | 84.8352% | 3,951 |
| Equity capital to assets | 14.4055% | 969 |
| Core capital (leverage) ratio | 14.2081% | 821 |
| Tier 1 risk-based capital ratio | 24.2765% | 977 |
| Total risk-based capital ratio | 25.5434% | 952 |
| Memoranda: | ||
| Average total assets | $78,009,670 | 5,595 |
| Average earning assets | $73,805,330 | 5,500 |
| Average equity | $11,132,670 | 4,775 |
| Average total loans | $49,707,330 | 5,369 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3430% | 5,881 |
| Cost of funding earning assets | 0.6258% | 6,496 |
| Net interest margin | 3.7172% | 4,009 |
| Noninterest income to average assets | 0.1631% | 6,560 |
| Noninterest expense to average assets | 4.1226% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4484% | 6,773 |
| Return on assets (ROA) | -0.4484% | 6,783 |
| Pretax return on assets | -0.4484% | 6,728 |
| Return on Equity (ROE) | -3.1570% | 6,684 |
| Retained earnings to average equity (ytd only) | -3.1570% | 6,323 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2053% | 454 |
| Assets per employee ($millions) | 2.9746% | 6,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3320% | 1,715 |
| Loan loss allowance to noncurrent loans | 39.1837% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 3.8014% | 1,774 |
| Noncurrent loans to loans | 5.9515% | 1,067 |
| Net loans and leases to total assets | 62.3830% | 3,778 |
| Net loans and leases to deposits | 73.4924% | 3,847 |
| Net loans and leases to core deposits | 75.2777% | 4,384 |
| Total domestic deposits to total assets | 84.8836% | 4,090 |
| Equity capital to assets | 14.3626% | 917 |
| Core capital (leverage) ratio | 14.4651% | 743 |
| Tier 1 risk-based capital ratio | 22.7191% | 1,122 |
| Total risk-based capital ratio | 23.9842% | 1,100 |
| Memoranda: | ||
| Average total assets | $78,494,500 | 5,630 |
| Average earning assets | $74,142,000 | 5,533 |
| Average equity | $11,150,000 | 4,756 |
| Average total loans | $51,260,500 | 5,354 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 6,289 |
| Cost of funding earning assets | 0.8519% | 6,363 |
| Net interest margin | 3.6875% | 4,405 |
| Noninterest income to average assets | 0.2027% | 6,335 |
| Noninterest expense to average assets | 4.3462% | 768 |
| Loan and lease loss provision to assets | 0.6599% | 2,500 |
| Net operating income to assets | -1.3352% | 6,848 |
| Return on assets (ROA) | -1.3352% | 6,870 |
| Pretax return on assets | -1.3246% | 6,789 |
| Return on Equity (ROE) | -13.7447% | 6,873 |
| Retained earnings to average equity (ytd only) | -13.7447% | 6,830 |
| Net charge-offs to loans | 0.8597% | 2,479 |
| Credit loss provision to net charge-offs | 115.4639% | 3,743 |
| Earnings coverage of net charge-offs (x) | -1.1629% | 6,635 |
| Efficiency ratio | 118.0538% | 428 |
| Assets per employee ($millions) | 3.1860% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1761% | 1,916 |
| Loan loss allowance to noncurrent loans | 38.4820% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 3.7715% | 1,819 |
| Noncurrent loans to loans | 5.6549% | 1,149 |
| Net loans and leases to total assets | 65.2438% | 3,610 |
| Net loans and leases to deposits | 76.6404% | 3,743 |
| Net loans and leases to core deposits | 78.7602% | 4,372 |
| Total domestic deposits to total assets | 85.1298% | 3,783 |
| Equity capital to assets | 14.0517% | 1,019 |
| Core capital (leverage) ratio | 14.3205% | 783 |
| Tier 1 risk-based capital ratio | 21.5487% | 1,237 |
| Total risk-based capital ratio | 22.8115% | 1,217 |
| Memoranda: | ||
| Average total assets | $84,855,800 | 5,446 |
| Average earning assets | $80,054,400 | 5,347 |
| Average equity | $8,243,200 | 5,644 |
| Average total loans | $56,412,200 | 5,217 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 6,443 |
| Cost of funding earning assets | 0.9141% | 6,339 |
| Net interest margin | 3.6466% | 4,646 |
| Noninterest income to average assets | 0.1950% | 6,489 |
| Noninterest expense to average assets | 4.3655% | 692 |
| Loan and lease loss provision to assets | 0.8666% | 1,753 |
| Net operating income to assets | -1.6218% | 7,136 |
| Return on assets (ROA) | -1.6218% | 7,149 |
| Pretax return on assets | -1.6110% | 7,079 |
| Return on Equity (ROE) | -18.6158% | 7,193 |
| Retained earnings to average equity (ytd only) | -18.6158% | 7,174 |
| Net charge-offs to loans | 1.1904% | 1,714 |
| Credit loss provision to net charge-offs | 109.5890% | 3,875 |
| Earnings coverage of net charge-offs (x) | -0.9413% | 6,440 |
| Efficiency ratio | 120.5556% | 387 |
| Assets per employee ($millions) | 3.1278% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0819% | 2,042 |
| Loan loss allowance to noncurrent loans | 38.0740% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 4.4095% | 1,539 |
| Noncurrent loans to loans | 5.4680% | 1,216 |
| Net loans and leases to total assets | 64.2541% | 4,072 |
| Net loans and leases to deposits | 71.4292% | 4,922 |
| Net loans and leases to core deposits | 73.3132% | 5,377 |
| Total domestic deposits to total assets | 89.9550% | 904 |
| Equity capital to assets | 9.0060% | 5,573 |
| Core capital (leverage) ratio | 9.1108% | 4,514 |
| Tier 1 risk-based capital ratio | 13.9642% | 3,868 |
| Total risk-based capital ratio | 15.2255% | 3,827 |
| Memoranda: | ||
| Average total assets | $86,157,500 | 5,469 |
| Average earning assets | $80,950,500 | 5,374 |
| Average equity | $7,506,000 | 5,944 |
| Average total loans | $57,234,750 | 5,264 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 6,534 |
| Cost of funding earning assets | 0.9805% | 6,236 |
| Net interest margin | 3.5895% | 4,863 |
| Noninterest income to average assets | 0.1481% | 6,838 |
| Noninterest expense to average assets | 4.2658% | 748 |
| Loan and lease loss provision to assets | 1.2373% | 1,132 |
| Net operating income to assets | -1.9939% | 7,303 |
| Return on assets (ROA) | -1.9939% | 7,309 |
| Pretax return on assets | -1.9848% | 7,230 |
| Return on Equity (ROE) | -23.1277% | 7,338 |
| Retained earnings to average equity (ytd only) | -23.1277% | 7,324 |
| Net charge-offs to loans | 1.8249% | 1,016 |
| Credit loss provision to net charge-offs | 101.6854% | 4,016 |
| Earnings coverage of net charge-offs (x) | -0.6142% | 6,050 |
| Efficiency ratio | 121.2435% | 400 |
| Assets per employee ($millions) | 3.2758% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9742% | 2,242 |
| Loan loss allowance to noncurrent loans | 27.2243% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 5.4162% | 1,145 |
| Noncurrent loans to loans | 7.2514% | 751 |
| Net loans and leases to total assets | 62.6148% | 4,553 |
| Net loans and leases to deposits | 70.1522% | 5,253 |
| Net loans and leases to core deposits | 71.9690% | 5,673 |
| Total domestic deposits to total assets | 89.2556% | 1,304 |
| Equity capital to assets | 8.8294% | 5,708 |
| Core capital (leverage) ratio | 8.9859% | 4,622 |
| Tier 1 risk-based capital ratio | 13.9327% | 3,779 |
| Total risk-based capital ratio | 15.1919% | 3,735 |
| Memoranda: | ||
| Average total assets | $87,768,670 | 5,457 |
| Average earning assets | $82,406,330 | 5,358 |
| Average equity | $7,566,670 | 5,940 |
| Average total loans | $58,524,670 | 5,248 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6383% | 6,446 |
| Cost of funding earning assets | 1.0925% | 5,948 |
| Net interest margin | 3.5458% | 4,967 |
| Noninterest income to average assets | 0.0943% | 7,238 |
| Noninterest expense to average assets | 4.4775% | 595 |
| Loan and lease loss provision to assets | 0.5030% | 2,484 |
| Net operating income to assets | -1.5718% | 7,354 |
| Return on assets (ROA) | -1.5718% | 7,358 |
| Pretax return on assets | -1.5629% | 7,280 |
| Return on Equity (ROE) | -18.4453% | 7,404 |
| Retained earnings to average equity (ytd only) | -18.4453% | 7,325 |
| Net charge-offs to loans | -0.0066% | 6,837 |
| Credit loss provision to net charge-offs | -11,200.0000% | 6,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.0118% | 328 |
| Assets per employee ($millions) | 3.1821% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9926% | 2,209 |
| Loan loss allowance to noncurrent loans | 17.3274% | 7,136 |
| Noncurrent assets plus other real estate owned to assets | 8.7106% | 528 |
| Noncurrent loans to loans | 11.4998% | 322 |
| Net loans and leases to total assets | 66.8067% | 3,676 |
| Net loans and leases to deposits | 74.9148% | 4,602 |
| Net loans and leases to core deposits | 77.6722% | 5,062 |
| Total domestic deposits to total assets | 89.1769% | 1,426 |
| Equity capital to assets | 8.6699% | 5,774 |
| Core capital (leverage) ratio | 8.6346% | 5,149 |
| Tier 1 risk-based capital ratio | 12.7769% | 4,505 |
| Total risk-based capital ratio | 14.0366% | 4,461 |
| Memoranda: | ||
| Average total assets | $89,068,000 | 5,481 |
| Average earning assets | $83,479,000 | 5,381 |
| Average equity | $7,590,000 | 5,980 |
| Average total loans | $60,585,500 | 5,222 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2755% | 5,301 |
| Cost of funding earning assets | 1.6709% | 4,666 |
| Net interest margin | 3.6046% | 4,534 |
| Noninterest income to average assets | -0.0328% | 7,750 |
| Noninterest expense to average assets | 4.2167% | 1,076 |
| Loan and lease loss provision to assets | 0.3328% | 4,813 |
| Net operating income to assets | -1.1865% | 6,701 |
| Return on assets (ROA) | -1.0745% | 6,633 |
| Pretax return on assets | -1.0650% | 6,457 |
| Return on Equity (ROE) | -12.0034% | 6,767 |
| Retained earnings to average equity (ytd only) | -12.0034% | 6,682 |
| Net charge-offs to loans | 0.1581% | 5,694 |
| Credit loss provision to net charge-offs | 297.1698% | 1,121 |
| Earnings coverage of net charge-offs (x) | -7.5377% | 7,143 |
| Efficiency ratio | 125.0313% | 528 |
| Assets per employee ($millions) | 3.4155% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 2,987 |
| Loan loss allowance to noncurrent loans | 20.6293% | 7,032 |
| Noncurrent assets plus other real estate owned to assets | 6.4564% | 854 |
| Noncurrent loans to loans | 8.1224% | 611 |
| Net loans and leases to total assets | 66.7505% | 3,977 |
| Net loans and leases to deposits | 76.3069% | 4,682 |
| Net loans and leases to core deposits | 86.5268% | 5,470 |
| Total domestic deposits to total assets | 87.4764% | 2,233 |
| Equity capital to assets | 8.3834% | 6,073 |
| Core capital (leverage) ratio | 8.5825% | 5,130 |
| Tier 1 risk-based capital ratio | 12.4953% | 4,527 |
| Total risk-based capital ratio | 13.7512% | 4,471 |
| Memoranda: | ||
| Average total assets | $94,647,200 | 5,251 |
| Average earning assets | $89,412,600 | 5,143 |
| Average equity | $8,472,600 | 5,773 |
| Average total loans | $67,030,000 | 4,977 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3385% | 5,230 |
| Cost of funding earning assets | 1.7765% | 4,497 |
| Net interest margin | 3.5619% | 4,627 |
| Noninterest income to average assets | 0.1330% | 7,213 |
| Noninterest expense to average assets | 4.0760% | 1,175 |
| Loan and lease loss provision to assets | 0.1540% | 5,810 |
| Net operating income to assets | -0.7419% | 6,637 |
| Return on assets (ROA) | -0.5991% | 6,522 |
| Pretax return on assets | -0.5893% | 6,381 |
| Return on Equity (ROE) | -6.5910% | 6,622 |
| Retained earnings to average equity (ytd only) | -6.5910% | 6,461 |
| Net charge-offs to loans | 0.2113% | 4,709 |
| Credit loss provision to net charge-offs | 101.8519% | 4,998 |
| Earnings coverage of net charge-offs (x) | -3.8240% | 6,823 |
| Efficiency ratio | 116.5266% | 648 |
| Assets per employee ($millions) | 3.1953% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 4,789 |
| Loan loss allowance to noncurrent loans | 28.6498% | 6,558 |
| Noncurrent assets plus other real estate owned to assets | 4.2605% | 1,465 |
| Noncurrent loans to loans | 4.3821% | 1,613 |
| Net loans and leases to total assets | 70.9578% | 3,279 |
| Net loans and leases to deposits | 82.0999% | 4,003 |
| Net loans and leases to core deposits | 95.0916% | 4,920 |
| Total domestic deposits to total assets | 86.4285% | 2,462 |
| Equity capital to assets | 9.0660% | 5,389 |
| Core capital (leverage) ratio | 9.0602% | 4,555 |
| Tier 1 risk-based capital ratio | 12.3020% | 4,706 |
| Total risk-based capital ratio | 13.5524% | 4,646 |
| Memoranda: | ||
| Average total assets | $95,254,500 | 5,262 |
| Average earning assets | $89,986,250 | 5,165 |
| Average equity | $8,658,000 | 5,767 |
| Average total loans | $68,136,250 | 4,981 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2827% | 5,738 |
| Cost of funding earning assets | 1.8370% | 4,572 |
| Net interest margin | 3.4457% | 4,999 |
| Noninterest income to average assets | 0.1144% | 7,410 |
| Noninterest expense to average assets | 4.0450% | 1,254 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.6721% | 6,726 |
| Return on assets (ROA) | -0.5077% | 6,567 |
| Pretax return on assets | -0.4994% | 6,423 |
| Return on Equity (ROE) | -5.5812% | 6,671 |
| Retained earnings to average equity (ytd only) | -5.5812% | 6,392 |
| Net charge-offs to loans | -0.0233% | 7,726 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.6308% | 675 |
| Assets per employee ($millions) | 3.2363% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 4,868 |
| Loan loss allowance to noncurrent loans | 18.2824% | 7,226 |
| Noncurrent assets plus other real estate owned to assets | 4.8378% | 1,129 |
| Noncurrent loans to loans | 6.6166% | 783 |
| Net loans and leases to total assets | 70.9092% | 3,486 |
| Net loans and leases to deposits | 82.4619% | 4,146 |
| Net loans and leases to core deposits | 96.3002% | 4,869 |
| Total domestic deposits to total assets | 85.9902% | 2,800 |
| Equity capital to assets | 8.7641% | 5,654 |
| Core capital (leverage) ratio | 9.1407% | 4,399 |
| Tier 1 risk-based capital ratio | 12.4574% | 4,552 |
| Total risk-based capital ratio | 13.7071% | 4,478 |
| Memoranda: | ||
| Average total assets | $96,117,670 | 5,278 |
| Average earning assets | $91,128,000 | 5,157 |
| Average equity | $8,743,670 | 5,763 |
| Average total loans | $68,652,000 | 5,013 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3821% | 5,520 |
| Cost of funding earning assets | 1.8751% | 4,768 |
| Net interest margin | 3.5070% | 4,701 |
| Noninterest income to average assets | 0.0962% | 7,567 |
| Noninterest expense to average assets | 3.9066% | 1,301 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.5019% | 6,878 |
| Return on assets (ROA) | -0.5019% | 6,929 |
| Pretax return on assets | -0.4936% | 6,814 |
| Return on Equity (ROE) | -5.4170% | 7,014 |
| Retained earnings to average equity (ytd only) | -5.4170% | 6,614 |
| Net charge-offs to loans | -0.0411% | 7,646 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4608% | 725 |
| Assets per employee ($millions) | 2.8738% | 6,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 4,895 |
| Loan loss allowance to noncurrent loans | 21.0043% | 7,113 |
| Noncurrent assets plus other real estate owned to assets | 4.2273% | 1,183 |
| Noncurrent loans to loans | 5.6431% | 886 |
| Net loans and leases to total assets | 72.4348% | 3,143 |
| Net loans and leases to deposits | 83.9330% | 3,995 |
| Net loans and leases to core deposits | 103.1844% | 4,227 |
| Total domestic deposits to total assets | 86.3007% | 2,555 |
| Equity capital to assets | 9.2886% | 4,952 |
| Core capital (leverage) ratio | 9.4618% | 4,031 |
| Tier 1 risk-based capital ratio | 12.7069% | 4,384 |
| Total risk-based capital ratio | 13.9582% | 4,305 |
| Memoranda: | ||
| Average total assets | $95,632,000 | 5,312 |
| Average earning assets | $90,448,000 | 5,208 |
| Average equity | $8,861,000 | 5,753 |
| Average total loans | $68,134,000 | 5,049 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9630% | 5,737 |
| Cost of funding earning assets | 2.5384% | 4,008 |
| Net interest margin | 3.4246% | 5,561 |
| Noninterest income to average assets | 0.3096% | 6,237 |
| Noninterest expense to average assets | 3.9528% | 1,480 |
| Loan and lease loss provision to assets | 0.0751% | 6,463 |
| Net operating income to assets | -1.6753% | 7,524 |
| Return on assets (ROA) | -1.6753% | 7,476 |
| Pretax return on assets | -0.4930% | 6,649 |
| Return on Equity (ROE) | -16.4862% | 7,644 |
| Retained earnings to average equity (ytd only) | -16.4862% | 7,541 |
| Net charge-offs to loans | 0.1775% | 4,425 |
| Credit loss provision to net charge-offs | 63.0252% | 6,190 |
| Earnings coverage of net charge-offs (x) | -3.5042% | 6,793 |
| Efficiency ratio | 111.8197% | 676 |
| Assets per employee ($millions) | 2.6785% | 6,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 4,047 |
| Loan loss allowance to noncurrent loans | 21.3560% | 7,172 |
| Noncurrent assets plus other real estate owned to assets | 4.1938% | 949 |
| Noncurrent loans to loans | 5.8997% | 623 |
| Net loans and leases to total assets | 68.3502% | 4,401 |
| Net loans and leases to deposits | 82.0323% | 4,724 |
| Net loans and leases to core deposits | 98.2455% | 5,015 |
| Total domestic deposits to total assets | 83.3211% | 3,644 |
| Equity capital to assets | 9.2433% | 5,015 |
| Core capital (leverage) ratio | 8.8834% | 4,920 |
| Tier 1 risk-based capital ratio | 13.1344% | 4,042 |
| Total risk-based capital ratio | 14.3858% | 3,951 |
| Memoranda: | ||
| Average total assets | $99,803,200 | 5,055 |
| Average earning assets | $93,996,600 | 4,967 |
| Average equity | $10,141,800 | 5,362 |
| Average total loans | $67,037,200 | 4,975 |