Home > Titan Bank, N.A. > Performance and Condition Ratios
Titan Bank, N.A., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5614% | 1,092 |
| Cost of funding earning assets | 0.8036% | 3,718 |
| Net interest margin | 4.7579% | 440 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.8158% | 3,980 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 3.0635% | 150 |
| Return on assets (ROA) | 3.0635% | 148 |
| Pretax return on assets | 3.0635% | 193 |
| Return on Equity (ROE) | 37.1200% | 105 |
| Retained earnings to average equity (ytd only) | 24.7412% | 75 |
| Net charge-offs to loans | 0.0349% | 1,609 |
| Credit loss provision to net charge-offs | 173.8636% | 1,337 |
| Earnings coverage of net charge-offs (x) | 173.7159% | 645 |
| Efficiency ratio | 37.0569% | 4,421 |
| Assets per employee ($millions) | 15.4342% | 190 |
| Cash dividends to net income (ytd only)* | 33.3443% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 2,691 |
| Loan loss allowance to noncurrent loans | 311.2042% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 2,230 |
| Noncurrent loans to loans | 0.3616% | 1,903 |
| Net loans and leases to total assets | 54.5700% | 3,305 |
| Net loans and leases to deposits | 60.9961% | 3,472 |
| Net loans and leases to core deposits | 62.2212% | 3,670 |
| Total domestic deposits to total assets | 89.4700% | 914 |
| Equity capital to assets | 9.9896% | 2,018 |
| Core capital (leverage) ratio | 11.1736% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6118% | 389 |
| Memoranda: | ||
| Average total assets | $495,635,800 | 1,737 |
| Average earning assets | $483,096,200 | 1,681 |
| Average equity | $40,907,400 | 1,857 |
| Average total loans | $251,826,000 | 1,994 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4013% | 1,131 |
| Cost of funding earning assets | 0.7554% | 3,647 |
| Net interest margin | 4.6459% | 497 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.8370% | 3,909 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 2.8334% | 197 |
| Return on assets (ROA) | 2.8334% | 196 |
| Pretax return on assets | 2.8334% | 270 |
| Return on Equity (ROE) | 36.1500% | 150 |
| Retained earnings to average equity (ytd only) | 18.9216% | 303 |
| Net charge-offs to loans | 0.0450% | 1,247 |
| Credit loss provision to net charge-offs | 260.7143% | 965 |
| Earnings coverage of net charge-offs (x) | 129.1905% | 805 |
| Efficiency ratio | 38.8275% | 4,385 |
| Assets per employee ($millions) | 17.4793% | 128 |
| Cash dividends to net income (ytd only)* | 47.6563% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,533 |
| Loan loss allowance to noncurrent loans | 1,189.0625% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,319 |
| Noncurrent loans to loans | 0.0981% | 3,087 |
| Net loans and leases to total assets | 49.1700% | 3,675 |
| Net loans and leases to deposits | 53.7887% | 3,796 |
| Net loans and leases to core deposits | 63.0500% | 3,576 |
| Total domestic deposits to total assets | 91.4100% | 579 |
| Equity capital to assets | 8.1851% | 2,934 |
| Core capital (leverage) ratio | 10.0092% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0064% | 487 |
| Memoranda: | ||
| Average total assets | $499,930,000 | 1,728 |
| Average earning assets | $487,157,250 | 1,669 |
| Average equity | $39,185,250 | 1,899 |
| Average total loans | $248,765,250 | 2,006 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3344% | 1,035 |
| Cost of funding earning assets | 0.7104% | 3,456 |
| Net interest margin | 4.6240% | 505 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.8988% | 3,826 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 2.7830% | 178 |
| Return on assets (ROA) | 2.7830% | 176 |
| Pretax return on assets | 2.7830% | 254 |
| Return on Equity (ROE) | 36.0700% | 137 |
| Retained earnings to average equity (ytd only) | 10.8487% | 1,218 |
| Net charge-offs to loans | 0.0605% | 942 |
| Credit loss provision to net charge-offs | 143.2432% | 1,223 |
| Earnings coverage of net charge-offs (x) | 94.3649% | 968 |
| Efficiency ratio | 40.0704% | 4,391 |
| Assets per employee ($millions) | 16.7793% | 148 |
| Cash dividends to net income (ytd only)* | 69.9255% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 2,602 |
| Loan loss allowance to noncurrent loans | 1,235.2941% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 3,329 |
| Noncurrent loans to loans | 0.0946% | 3,027 |
| Net loans and leases to total assets | 46.2900% | 3,781 |
| Net loans and leases to deposits | 50.1104% | 3,911 |
| Net loans and leases to core deposits | 60.9440% | 3,581 |
| Total domestic deposits to total assets | 92.3800% | 349 |
| Equity capital to assets | 7.2945% | 3,641 |
| Core capital (leverage) ratio | 9.5602% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5696% | 517 |
| Memoranda: | ||
| Average total assets | $491,780,000 | 1,744 |
| Average earning assets | $478,594,333 | 1,689 |
| Average equity | $37,940,000 | 1,942 |
| Average total loans | $244,729,667 | 2,024 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0912% | 1,099 |
| Cost of funding earning assets | 0.5148% | 3,639 |
| Net interest margin | 4.5763% | 522 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.8534% | 3,946 |
| Loan and lease loss provision to assets | -0.1400% | 4,599 |
| Net operating income to assets | 3.0349% | 149 |
| Return on assets (ROA) | 3.0349% | 149 |
| Pretax return on assets | 3.0349% | 196 |
| Return on Equity (ROE) | 38.1500% | 127 |
| Retained earnings to average equity (ytd only) | 9.2160% | 1,884 |
| Net charge-offs to loans | 0.0282% | 1,132 |
| Credit loss provision to net charge-offs | -1,117.6471% | 4,656 |
| Earnings coverage of net charge-offs (x) | 199.4118% | 503 |
| Efficiency ratio | 39.0726% | 4,467 |
| Assets per employee ($millions) | 14.7436% | 217 |
| Cash dividends to net income (ytd only)* | 75.8427% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 2,873 |
| Loan loss allowance to noncurrent loans | 1,135.2941% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 3,282 |
| Noncurrent loans to loans | 0.1001% | 3,040 |
| Net loans and leases to total assets | 49.8300% | 3,507 |
| Net loans and leases to deposits | 54.4076% | 3,658 |
| Net loans and leases to core deposits | 61.8872% | 3,451 |
| Total domestic deposits to total assets | 91.5800% | 630 |
| Equity capital to assets | 7.9933% | 3,247 |
| Core capital (leverage) ratio | 9.3413% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5357% | 471 |
| Memoranda: | ||
| Average total assets | $469,201,500 | 1,821 |
| Average earning assets | $455,299,000 | 1,761 |
| Average equity | $37,326,500 | 1,992 |
| Average total loans | $241,348,500 | 2,063 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5242% | 3,016 |
| Cost of funding earning assets | 0.1628% | 4,042 |
| Net interest margin | 3.3614% | 2,381 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 1.5909% | 4,316 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.8545% | 386 |
| Return on assets (ROA) | 1.8665% | 362 |
| Pretax return on assets | 1.8665% | 630 |
| Return on Equity (ROE) | 25.1700% | 207 |
| Retained earnings to average equity (ytd only) | 24.0642% | 51 |
| Net charge-offs to loans | 0.0079% | 2,096 |
| Credit loss provision to net charge-offs | 6,123.5294% | 112 |
| Earnings coverage of net charge-offs (x) | 578.1176% | 302 |
| Efficiency ratio | 43.4067% | 4,446 |
| Assets per employee ($millions) | 15.5536% | 181 |
| Cash dividends to net income (ytd only)* | 4.4098% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 2,737 |
| Loan loss allowance to noncurrent loans | 1,177.8723% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 3,300 |
| Noncurrent loans to loans | 0.0960% | 3,076 |
| Net loans and leases to total assets | 51.8900% | 3,366 |
| Net loans and leases to deposits | 56.4793% | 3,548 |
| Net loans and leases to core deposits | 64.3706% | 3,242 |
| Total domestic deposits to total assets | 91.8800% | 672 |
| Equity capital to assets | 7.9169% | 3,109 |
| Core capital (leverage) ratio | 9.2248% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4062% | 683 |
| Memoranda: | ||
| Average total assets | $473,819,400 | 1,788 |
| Average earning assets | $451,443,800 | 1,751 |
| Average equity | $35,131,000 | 2,104 |
| Average total loans | $215,107,600 | 2,133 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0572% | 3,776 |
| Cost of funding earning assets | 0.0815% | 4,409 |
| Net interest margin | 2.9757% | 3,285 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 1.6867% | 4,172 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.5398% | 760 |
| Return on assets (ROA) | 1.5558% | 711 |
| Pretax return on assets | 1.5558% | 1,245 |
| Return on Equity (ROE) | 21.3400% | 332 |
| Retained earnings to average equity (ytd only) | 20.7808% | 88 |
| Net charge-offs to loans | 0.0077% | 1,851 |
| Credit loss provision to net charge-offs | 4,150.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 499.2500% | 315 |
| Efficiency ratio | 50.1083% | 4,152 |
| Assets per employee ($millions) | 15.8339% | 171 |
| Cash dividends to net income (ytd only)* | 2.6126% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,122 |
| Loan loss allowance to noncurrent loans | 1,018.2648% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 3,426 |
| Noncurrent loans to loans | 0.1056% | 3,126 |
| Net loans and leases to total assets | 44.7000% | 3,835 |
| Net loans and leases to deposits | 48.3810% | 3,936 |
| Net loans and leases to core deposits | 55.2010% | 3,674 |
| Total domestic deposits to total assets | 92.3900% | 748 |
| Equity capital to assets | 7.3274% | 3,313 |
| Core capital (leverage) ratio | 8.8516% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4775% | 683 |
| Memoranda: | ||
| Average total assets | $475,622,250 | 1,797 |
| Average earning assets | $451,421,250 | 1,763 |
| Average equity | $34,678,500 | 2,157 |
| Average total loans | $207,657,250 | 2,187 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7494% | 4,065 |
| Cost of funding earning assets | 0.0678% | 4,474 |
| Net interest margin | 2.6815% | 3,738 |
| Noninterest income to average assets | 0.5633% | 1,888 |
| Noninterest expense to average assets | 1.6570% | 4,202 |
| Loan and lease loss provision to assets | 0.0802% | 1,216 |
| Net operating income to assets | 1.3565% | 1,007 |
| Return on assets (ROA) | 1.3802% | 933 |
| Pretax return on assets | 1.3802% | 1,495 |
| Return on Equity (ROE) | 18.9592% | 388 |
| Retained earnings to average equity (ytd only) | 18.9592% | 96 |
| Net charge-offs to loans | 0.0077% | 1,712 |
| Credit loss provision to net charge-offs | 2,412.5000% | 214 |
| Earnings coverage of net charge-offs (x) | 432.0000% | 290 |
| Efficiency ratio | 53.5609% | 4,004 |
| Assets per employee ($millions) | 15.5021% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 3,675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,025 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 40.4333% | 4,055 |
| Net loans and leases to deposits | 43.2288% | 4,147 |
| Net loans and leases to core deposits | 43.6818% | 4,203 |
| Total domestic deposits to total assets | 93.5332% | 382 |
| Equity capital to assets | 6.2587% | 4,113 |
| Core capital (leverage) ratio | 8.5915% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0369% | 623 |
| Memoranda: | ||
| Average total assets | $481,102,000 | 1,790 |
| Average earning assets | $453,997,333 | 1,773 |
| Average equity | $35,022,667 | 2,197 |
| Average total loans | $207,716,000 | 2,180 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4102% | 4,367 |
| Cost of funding earning assets | 0.0670% | 4,481 |
| Net interest margin | 2.3433% | 4,163 |
| Noninterest income to average assets | 0.7994% | 1,050 |
| Noninterest expense to average assets | 1.6096% | 4,281 |
| Loan and lease loss provision to assets | 0.0216% | 1,964 |
| Net operating income to assets | 1.3777% | 841 |
| Return on assets (ROA) | 1.3777% | 835 |
| Pretax return on assets | 1.3777% | 1,303 |
| Return on Equity (ROE) | 17.6875% | 361 |
| Retained earnings to average equity (ytd only) | 17.6875% | 149 |
| Net charge-offs to loans | 0.0131% | 1,288 |
| Credit loss provision to net charge-offs | 371.4286% | 605 |
| Earnings coverage of net charge-offs (x) | 240.5714% | 378 |
| Efficiency ratio | 53.4935% | 4,090 |
| Assets per employee ($millions) | 13.8680% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 4,077 |
| Loan loss allowance to noncurrent loans | 1,574.1071% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 3,777 |
| Noncurrent loans to loans | 0.0563% | 3,577 |
| Net loans and leases to total assets | 40.6331% | 3,970 |
| Net loans and leases to deposits | 43.8439% | 4,071 |
| Net loans and leases to core deposits | 44.3178% | 4,146 |
| Total domestic deposits to total assets | 92.6769% | 354 |
| Equity capital to assets | 7.1826% | 4,108 |
| Core capital (leverage) ratio | 8.4756% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3957% | 609 |
| Memoranda: | ||
| Average total assets | $481,371,000 | 1,792 |
| Average earning assets | $453,895,000 | 1,773 |
| Average equity | $37,495,500 | 2,154 |
| Average total loans | $213,455,500 | 2,149 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3406% | 4,567 |
| Cost of funding earning assets | 0.0828% | 4,515 |
| Net interest margin | 2.2578% | 4,451 |
| Noninterest income to average assets | 1.7776% | 372 |
| Noninterest expense to average assets | 1.4259% | 4,603 |
| Loan and lease loss provision to assets | 0.0099% | 2,882 |
| Net operating income to assets | 2.4870% | 162 |
| Return on assets (ROA) | 2.4926% | 164 |
| Pretax return on assets | 2.4926% | 260 |
| Return on Equity (ROE) | 33.4658% | 51 |
| Retained earnings to average equity (ytd only) | 32.8405% | 13 |
| Net charge-offs to loans | -0.0004% | 3,222 |
| Credit loss provision to net charge-offs | -4,800.0000% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3497% | 4,747 |
| Assets per employee ($millions) | 16.4608% | 165 |
| Cash dividends to net income (ytd only)* | 1.8685% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7652% | 4,321 |
| Loan loss allowance to noncurrent loans | 4,471.7949% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 4,022 |
| Noncurrent loans to loans | 0.0171% | 3,956 |
| Net loans and leases to total assets | 47.3810% | 3,556 |
| Net loans and leases to deposits | 51.8085% | 3,749 |
| Net loans and leases to core deposits | 52.3992% | 3,862 |
| Total domestic deposits to total assets | 91.4541% | 330 |
| Equity capital to assets | 8.4062% | 4,111 |
| Core capital (leverage) ratio | 8.0963% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5024% | 600 |
| Memoranda: | ||
| Average total assets | $483,117,400 | 1,738 |
| Average earning assets | $459,027,800 | 1,716 |
| Average equity | $35,983,000 | 2,243 |
| Average total loans | $243,327,000 | 1,973 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3180% | 4,665 |
| Cost of funding earning assets | 0.0859% | 4,608 |
| Net interest margin | 2.2320% | 4,546 |
| Noninterest income to average assets | 2.2365% | 286 |
| Noninterest expense to average assets | 1.4052% | 4,686 |
| Loan and lease loss provision to assets | 0.0132% | 2,728 |
| Net operating income to assets | 2.9412% | 132 |
| Return on assets (ROA) | 2.9486% | 131 |
| Pretax return on assets | 2.9486% | 184 |
| Return on Equity (ROE) | 40.8840% | 32 |
| Retained earnings to average equity (ytd only) | 40.0256% | 10 |
| Net charge-offs to loans | -0.0022% | 3,233 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.2330% | 4,850 |
| Assets per employee ($millions) | 15.8169% | 177 |
| Cash dividends to net income (ytd only)* | 2.0997% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7171% | 4,478 |
| Loan loss allowance to noncurrent loans | 1,238.2979% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 3,936 |
| Noncurrent loans to loans | 0.0579% | 3,812 |
| Net loans and leases to total assets | 50.9411% | 3,303 |
| Net loans and leases to deposits | 55.6127% | 3,613 |
| Net loans and leases to core deposits | 56.3114% | 3,752 |
| Total domestic deposits to total assets | 91.5997% | 212 |
| Equity capital to assets | 8.2667% | 4,375 |
| Core capital (leverage) ratio | 7.1722% | 4,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2892% | 585 |
| Memoranda: | ||
| Average total assets | $484,556,250 | 1,754 |
| Average earning assets | $460,913,000 | 1,727 |
| Average equity | $34,946,750 | 2,324 |
| Average total loans | $247,178,000 | 1,973 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3002% | 4,724 |
| Cost of funding earning assets | 0.0913% | 4,629 |
| Net interest margin | 2.2089% | 4,595 |
| Noninterest income to average assets | 3.0887% | 179 |
| Noninterest expense to average assets | 1.3720% | 4,745 |
| Loan and lease loss provision to assets | -0.0066% | 4,399 |
| Net operating income to assets | 3.8261% | 75 |
| Return on assets (ROA) | 3.8311% | 76 |
| Pretax return on assets | 3.8311% | 98 |
| Return on Equity (ROE) | 55.7632% | 15 |
| Retained earnings to average equity (ytd only) | 55.7632% | 4 |
| Net charge-offs to loans | -0.0040% | 3,366 |
| Credit loss provision to net charge-offs | 320.0000% | 861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.4272% | 4,915 |
| Assets per employee ($millions) | 18.3146% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6408% | 4,612 |
| Loan loss allowance to noncurrent loans | 4,312.8205% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,224 |
| Noncurrent loans to loans | 0.0149% | 4,160 |
| Net loans and leases to total assets | 50.8545% | 3,465 |
| Net loans and leases to deposits | 55.0285% | 3,793 |
| Net loans and leases to core deposits | 55.6792% | 3,914 |
| Total domestic deposits to total assets | 92.4149% | 71 |
| Equity capital to assets | 7.4593% | 4,748 |
| Core capital (leverage) ratio | 7.0322% | 4,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8453% | 551 |
| Memoranda: | ||
| Average total assets | $487,906,000 | 1,741 |
| Average earning assets | $464,486,333 | 1,710 |
| Average equity | $33,520,333 | 2,377 |
| Average total loans | $248,415,667 | 1,971 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3324% | 4,749 |
| Cost of funding earning assets | 0.1148% | 4,552 |
| Net interest margin | 2.2176% | 4,599 |
| Noninterest income to average assets | 3.8447% | 153 |
| Noninterest expense to average assets | 1.4664% | 4,683 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 4.4909% | 65 |
| Return on assets (ROA) | 4.4883% | 69 |
| Pretax return on assets | 4.4883% | 84 |
| Return on Equity (ROE) | 68.4973% | 12 |
| Retained earnings to average equity (ytd only) | 68.4973% | 4 |
| Net charge-offs to loans | -0.0199% | 3,993 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.6152% | 4,941 |
| Assets per employee ($millions) | 19.7173% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6163% | 4,674 |
| Loan loss allowance to noncurrent loans | 2,305.4054% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 4,134 |
| Noncurrent loans to loans | 0.0267% | 4,156 |
| Net loans and leases to total assets | 51.6762% | 3,477 |
| Net loans and leases to deposits | 61.7264% | 3,349 |
| Net loans and leases to core deposits | 62.5451% | 3,538 |
| Total domestic deposits to total assets | 83.7182% | 3,516 |
| Equity capital to assets | 6.2729% | 4,920 |
| Core capital (leverage) ratio | 8.2855% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4829% | 628 |
| Memoranda: | ||
| Average total assets | $475,454,000 | 1,767 |
| Average earning assets | $452,920,000 | 1,734 |
| Average equity | $31,154,500 | 2,480 |
| Average total loans | $241,389,000 | 2,022 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4709% | 4,075 |
| Cost of funding earning assets | 0.1875% | 4,624 |
| Net interest margin | 3.2834% | 3,112 |
| Noninterest income to average assets | 1.6467% | 460 |
| Noninterest expense to average assets | 1.8080% | 4,461 |
| Loan and lease loss provision to assets | 0.1427% | 2,574 |
| Net operating income to assets | 2.8104% | 108 |
| Return on assets (ROA) | 2.8076% | 111 |
| Pretax return on assets | 2.8076% | 137 |
| Return on Equity (ROE) | 34.6861% | 48 |
| Retained earnings to average equity (ytd only) | 34.6861% | 17 |
| Net charge-offs to loans | 0.0061% | 3,129 |
| Credit loss provision to net charge-offs | 4,060.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 840.2000% | 143 |
| Efficiency ratio | 37.9595% | 4,909 |
| Assets per employee ($millions) | 17.4392% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 4,376 |
| Loan loss allowance to noncurrent loans | 2,144.3038% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 4,140 |
| Noncurrent loans to loans | 0.0384% | 4,152 |
| Net loans and leases to total assets | 48.8055% | 3,918 |
| Net loans and leases to deposits | 61.8712% | 3,613 |
| Net loans and leases to core deposits | 62.9834% | 3,768 |
| Total domestic deposits to total assets | 78.8824% | 4,215 |
| Equity capital to assets | 6.9083% | 4,922 |
| Core capital (leverage) ratio | 9.5005% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0114% | 902 |
| Memoranda: | ||
| Average total assets | $284,514,000 | 2,374 |
| Average earning assets | $269,873,200 | 2,339 |
| Average equity | $23,029,400 | 2,935 |
| Average total loans | $164,049,600 | 2,534 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 3,321 |
| Cost of funding earning assets | 0.2105% | 4,631 |
| Net interest margin | 3.6696% | 2,036 |
| Noninterest income to average assets | 1.4921% | 528 |
| Noninterest expense to average assets | 2.0700% | 4,007 |
| Loan and lease loss provision to assets | 0.2231% | 1,814 |
| Net operating income to assets | 2.6713% | 121 |
| Return on assets (ROA) | 2.6665% | 125 |
| Pretax return on assets | 2.6665% | 165 |
| Return on Equity (ROE) | 31.0469% | 56 |
| Retained earnings to average equity (ytd only) | 31.0469% | 31 |
| Net charge-offs to loans | 0.0035% | 3,049 |
| Credit loss provision to net charge-offs | 10,500.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 1,362.2500% | 87 |
| Efficiency ratio | 41.6756% | 4,859 |
| Assets per employee ($millions) | 13.5848% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 4,328 |
| Loan loss allowance to noncurrent loans | 502.6393% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 3,528 |
| Noncurrent loans to loans | 0.1620% | 3,739 |
| Net loans and leases to total assets | 64.0427% | 2,766 |
| Net loans and leases to deposits | 90.9111% | 1,168 |
| Net loans and leases to core deposits | 91.4134% | 1,847 |
| Total domestic deposits to total assets | 70.4454% | 4,741 |
| Equity capital to assets | 7.7271% | 4,797 |
| Core capital (leverage) ratio | 9.0157% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,007,250 | 2,558 |
| Average earning assets | $237,510,750 | 2,526 |
| Average equity | $21,558,250 | 3,045 |
| Average total loans | $153,570,750 | 2,636 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 2,970 |
| Cost of funding earning assets | 0.2414% | 4,648 |
| Net interest margin | 3.8884% | 1,598 |
| Noninterest income to average assets | 2.0425% | 282 |
| Noninterest expense to average assets | 2.3053% | 3,499 |
| Loan and lease loss provision to assets | 0.1584% | 2,415 |
| Net operating income to assets | 3.2416% | 69 |
| Return on assets (ROA) | 3.2372% | 75 |
| Pretax return on assets | 3.2372% | 90 |
| Return on Equity (ROE) | 35.9567% | 40 |
| Retained earnings to average equity (ytd only) | 35.9567% | 21 |
| Net charge-offs to loans | -0.0030% | 3,882 |
| Credit loss provision to net charge-offs | -8,950.0000% | 4,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3754% | 4,906 |
| Assets per employee ($millions) | 12.3181% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,237 |
| Loan loss allowance to noncurrent loans | 162.8855% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 2,564 |
| Noncurrent loans to loans | 0.5134% | 2,614 |
| Net loans and leases to total assets | 59.3261% | 3,394 |
| Net loans and leases to deposits | 86.6002% | 1,705 |
| Net loans and leases to core deposits | 87.1840% | 2,333 |
| Total domestic deposits to total assets | 68.5057% | 4,832 |
| Equity capital to assets | 7.9893% | 4,722 |
| Core capital (leverage) ratio | 9.4483% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,998,333 | 2,712 |
| Average earning assets | $212,889,000 | 2,690 |
| Average equity | $20,346,667 | 3,144 |
| Average total loans | $134,589,333 | 2,809 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8480% | 1,311 |
| Cost of funding earning assets | 0.3139% | 4,614 |
| Net interest margin | 4.5340% | 466 |
| Noninterest income to average assets | 1.1068% | 706 |
| Noninterest expense to average assets | 2.5400% | 3,159 |
| Loan and lease loss provision to assets | 0.1904% | 1,576 |
| Net operating income to assets | 2.6070% | 100 |
| Return on assets (ROA) | 2.6007% | 101 |
| Pretax return on assets | 2.6007% | 142 |
| Return on Equity (ROE) | 26.5733% | 51 |
| Retained earnings to average equity (ytd only) | 26.5733% | 25 |
| Net charge-offs to loans | -0.0071% | 3,957 |
| Credit loss provision to net charge-offs | -4,550.0000% | 3,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5500% | 4,781 |
| Assets per employee ($millions) | 8.7929% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 2,265 |
| Loan loss allowance to noncurrent loans | 2,357.6271% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 3,600 |
| Noncurrent loans to loans | 0.0540% | 4,337 |
| Net loans and leases to total assets | 53.3132% | 4,037 |
| Net loans and leases to deposits | 59.1798% | 4,237 |
| Net loans and leases to core deposits | 63.1921% | 4,217 |
| Total domestic deposits to total assets | 90.0869% | 293 |
| Equity capital to assets | 9.5724% | 4,155 |
| Core capital (leverage) ratio | 9.8518% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,180,500 | 2,942 |
| Average earning assets | $178,384,500 | 2,938 |
| Average equity | $18,710,500 | 3,301 |
| Average total loans | $113,450,500 | 3,038 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7438% | 367 |
| Cost of funding earning assets | 0.8781% | 2,294 |
| Net interest margin | 4.8657% | 352 |
| Noninterest income to average assets | 1.9247% | 278 |
| Noninterest expense to average assets | 3.6490% | 807 |
| Loan and lease loss provision to assets | 0.4593% | 293 |
| Net operating income to assets | 2.1686% | 236 |
| Return on assets (ROA) | 2.2112% | 232 |
| Pretax return on assets | 2.2112% | 377 |
| Return on Equity (ROE) | 19.2228% | 255 |
| Retained earnings to average equity (ytd only) | 8.7530% | 775 |
| Net charge-offs to loans | 0.0164% | 3,131 |
| Credit loss provision to net charge-offs | 4,385.7143% | 99 |
| Earnings coverage of net charge-offs (x) | 250.9286% | 329 |
| Efficiency ratio | 58.0860% | 3,949 |
| Assets per employee ($millions) | 7.5052% | 860 |
| Cash dividends to net income (ytd only)* | 54.4655% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 2,935 |
| Loan loss allowance to noncurrent loans | 1,828.1690% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 2,705 |
| Noncurrent loans to loans | 0.0603% | 4,300 |
| Net loans and leases to total assets | 64.6183% | 3,119 |
| Net loans and leases to deposits | 72.3518% | 3,492 |
| Net loans and leases to core deposits | 75.7348% | 3,590 |
| Total domestic deposits to total assets | 89.3113% | 554 |
| Equity capital to assets | 10.0275% | 3,891 |
| Core capital (leverage) ratio | 9.7138% | 3,830 |
| Tier 1 risk-based capital ratio | 17.7686% | 1,818 |
| Total risk-based capital ratio | 19.0330% | 1,768 |
| Memoranda: | ||
| Average total assets | $133,682,200 | 3,517 |
| Average earning assets | $119,572,000 | 3,562 |
| Average equity | $15,377,600 | 3,599 |
| Average total loans | $85,397,200 | 3,491 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9986% | 237 |
| Cost of funding earning assets | 1.0182% | 1,688 |
| Net interest margin | 4.9804% | 301 |
| Noninterest income to average assets | 2.5088% | 201 |
| Noninterest expense to average assets | 4.1122% | 467 |
| Loan and lease loss provision to assets | 0.3735% | 348 |
| Net operating income to assets | 2.4095% | 190 |
| Return on assets (ROA) | 2.4542% | 184 |
| Pretax return on assets | 2.4542% | 271 |
| Return on Equity (ROE) | 20.3715% | 231 |
| Retained earnings to average equity (ytd only) | 5.7751% | 2,471 |
| Net charge-offs to loans | 0.0155% | 2,844 |
| Credit loss provision to net charge-offs | 3,800.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 283.1042% | 323 |
| Efficiency ratio | 59.5913% | 3,710 |
| Assets per employee ($millions) | 5.6915% | 1,853 |
| Cash dividends to net income (ytd only)* | 71.6509% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 2,965 |
| Loan loss allowance to noncurrent loans | 837.3984% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 3,969 |
| Noncurrent loans to loans | 0.1328% | 4,056 |
| Net loans and leases to total assets | 64.3678% | 3,248 |
| Net loans and leases to deposits | 74.0013% | 3,473 |
| Net loans and leases to core deposits | 76.5611% | 3,655 |
| Total domestic deposits to total assets | 86.9819% | 1,530 |
| Equity capital to assets | 12.2077% | 2,106 |
| Core capital (leverage) ratio | 10.4115% | 3,182 |
| Tier 1 risk-based capital ratio | 21.9899% | 1,073 |
| Total risk-based capital ratio | 23.2719% | 1,044 |
| Memoranda: | ||
| Average total assets | $122,071,750 | 3,698 |
| Average earning assets | $107,511,500 | 3,798 |
| Average equity | $14,706,500 | 3,694 |
| Average total loans | $77,323,750 | 3,690 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9302% | 269 |
| Cost of funding earning assets | 1.0854% | 1,355 |
| Net interest margin | 4.8448% | 376 |
| Noninterest income to average assets | 2.5370% | 196 |
| Noninterest expense to average assets | 4.4376% | 323 |
| Loan and lease loss provision to assets | 0.4006% | 300 |
| Net operating income to assets | 1.9561% | 417 |
| Return on assets (ROA) | 2.0393% | 377 |
| Pretax return on assets | 2.0393% | 629 |
| Return on Equity (ROE) | 17.0205% | 462 |
| Retained earnings to average equity (ytd only) | -5.2393% | 5,065 |
| Net charge-offs to loans | 0.0194% | 2,480 |
| Credit loss provision to net charge-offs | 3,300.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 194.1429% | 399 |
| Efficiency ratio | 65.2629% | 2,931 |
| Assets per employee ($millions) | 5.3911% | 2,058 |
| Cash dividends to net income (ytd only)* | 130.7823% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 3,060 |
| Loan loss allowance to noncurrent loans | 714.7287% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 4,254 |
| Noncurrent loans to loans | 0.1542% | 3,991 |
| Net loans and leases to total assets | 63.9490% | 3,349 |
| Net loans and leases to deposits | 79.2766% | 3,025 |
| Net loans and leases to core deposits | 83.0975% | 3,188 |
| Total domestic deposits to total assets | 80.6656% | 3,900 |
| Equity capital to assets | 10.4725% | 3,538 |
| Core capital (leverage) ratio | 9.3891% | 4,260 |
| Tier 1 risk-based capital ratio | 18.2753% | 1,735 |
| Total risk-based capital ratio | 19.5697% | 1,679 |
| Memoranda: | ||
| Average total assets | $115,333,330 | 3,825 |
| Average earning assets | $101,346,330 | 3,913 |
| Average equity | $13,818,670 | 3,814 |
| Average total loans | $72,226,000 | 3,795 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0442% | 211 |
| Cost of funding earning assets | 1.1775% | 964 |
| Net interest margin | 4.8667% | 357 |
| Noninterest income to average assets | 2.2233% | 212 |
| Noninterest expense to average assets | 4.5833% | 271 |
| Loan and lease loss provision to assets | 0.0369% | 2,881 |
| Net operating income to assets | 1.8466% | 512 |
| Return on assets (ROA) | 1.8946% | 481 |
| Pretax return on assets | 1.8946% | 805 |
| Return on Equity (ROE) | 14.7065% | 810 |
| Retained earnings to average equity (ytd only) | 9.6897% | 1,112 |
| Net charge-offs to loans | -0.0120% | 4,296 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8167% | 2,219 |
| Assets per employee ($millions) | 4.4489% | 3,258 |
| Cash dividends to net income (ytd only)* | 34.1131% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,377 |
| Loan loss allowance to noncurrent loans | 130.9963% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 2,665 |
| Noncurrent loans to loans | 0.8061% | 2,022 |
| Net loans and leases to total assets | 59.8114% | 3,729 |
| Net loans and leases to deposits | 72.4725% | 3,572 |
| Net loans and leases to core deposits | 76.4626% | 3,631 |
| Total domestic deposits to total assets | 82.5297% | 3,567 |
| Equity capital to assets | 12.7195% | 1,616 |
| Core capital (leverage) ratio | 10.5299% | 3,018 |
| Tier 1 risk-based capital ratio | 24.6351% | 790 |
| Total risk-based capital ratio | 25.9615% | 773 |
| Memoranda: | ||
| Average total assets | $108,307,000 | 3,964 |
| Average earning assets | $94,437,000 | 4,067 |
| Average equity | $13,953,000 | 3,809 |
| Average total loans | $66,507,500 | 3,954 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8599% | 1,394 |
| Cost of funding earning assets | 0.6782% | 2,223 |
| Net interest margin | 4.1816% | 1,444 |
| Noninterest income to average assets | 3.7771% | 112 |
| Noninterest expense to average assets | 4.1539% | 431 |
| Loan and lease loss provision to assets | 0.0627% | 2,904 |
| Net operating income to assets | 3.3541% | 64 |
| Return on assets (ROA) | 3.4037% | 63 |
| Pretax return on assets | 3.4037% | 71 |
| Return on Equity (ROE) | 30.0832% | 37 |
| Retained earnings to average equity (ytd only) | 18.8376% | 42 |
| Net charge-offs to loans | 0.1058% | 1,697 |
| Credit loss provision to net charge-offs | 110.7692% | 2,328 |
| Earnings coverage of net charge-offs (x) | 60.4000% | 1,015 |
| Efficiency ratio | 54.8224% | 4,541 |
| Assets per employee ($millions) | 4.3913% | 3,319 |
| Cash dividends to net income (ytd only)* | 37.3817% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 3,317 |
| Loan loss allowance to noncurrent loans | 122.4561% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 2,127 |
| Noncurrent loans to loans | 0.8665% | 1,862 |
| Net loans and leases to total assets | 61.7538% | 3,594 |
| Net loans and leases to deposits | 71.9666% | 3,674 |
| Net loans and leases to core deposits | 76.0982% | 3,713 |
| Total domestic deposits to total assets | 85.8090% | 2,321 |
| Equity capital to assets | 13.0552% | 1,322 |
| Core capital (leverage) ratio | 10.3790% | 3,162 |
| Tier 1 risk-based capital ratio | 23.7264% | 844 |
| Total risk-based capital ratio | 25.0204% | 825 |
| Memoranda: | ||
| Average total assets | $114,904,000 | 3,876 |
| Average earning assets | $104,241,200 | 3,913 |
| Average equity | $13,000,600 | 3,883 |
| Average total loans | $61,415,400 | 4,061 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 1,879 |
| Cost of funding earning assets | 0.5843% | 2,590 |
| Net interest margin | 4.0525% | 1,778 |
| Noninterest income to average assets | 4.2051% | 112 |
| Noninterest expense to average assets | 4.0414% | 502 |
| Loan and lease loss provision to assets | 0.0409% | 3,184 |
| Net operating income to assets | 3.8288% | 53 |
| Return on assets (ROA) | 3.8288% | 53 |
| Pretax return on assets | 3.8288% | 62 |
| Return on Equity (ROE) | 35.0523% | 24 |
| Retained earnings to average equity (ytd only) | 21.3457% | 45 |
| Net charge-offs to loans | 0.1216% | 1,296 |
| Credit loss provision to net charge-offs | 65.4545% | 2,678 |
| Earnings coverage of net charge-offs (x) | 61.8921% | 1,040 |
| Efficiency ratio | 51.0418% | 4,877 |
| Assets per employee ($millions) | 4.7650% | 2,768 |
| Cash dividends to net income (ytd only)* | 39.1035% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 3,534 |
| Loan loss allowance to noncurrent loans | 128.0000% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5730% | 2,467 |
| Noncurrent loans to loans | 0.8125% | 2,081 |
| Net loans and leases to total assets | 58.3439% | 3,998 |
| Net loans and leases to deposits | 66.9788% | 4,129 |
| Net loans and leases to core deposits | 72.3530% | 4,054 |
| Total domestic deposits to total assets | 87.1080% | 1,682 |
| Equity capital to assets | 12.1858% | 1,776 |
| Core capital (leverage) ratio | 11.2083% | 2,406 |
| Tier 1 risk-based capital ratio | 24.0614% | 837 |
| Total risk-based capital ratio | 25.2779% | 822 |
| Memoranda: | ||
| Average total assets | $117,282,250 | 3,869 |
| Average earning assets | $107,255,250 | 3,895 |
| Average equity | $12,811,000 | 3,942 |
| Average total loans | $60,324,000 | 4,128 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4993% | 2,087 |
| Cost of funding earning assets | 0.5382% | 2,703 |
| Net interest margin | 3.9611% | 1,997 |
| Noninterest income to average assets | 5.1266% | 95 |
| Noninterest expense to average assets | 4.1837% | 420 |
| Loan and lease loss provision to assets | 0.0334% | 3,250 |
| Net operating income to assets | 4.5576% | 41 |
| Return on assets (ROA) | 4.5576% | 41 |
| Pretax return on assets | 4.5576% | 50 |
| Return on Equity (ROE) | 43.2474% | 14 |
| Retained earnings to average equity (ytd only) | 26.0339% | 15 |
| Net charge-offs to loans | 0.1460% | 1,049 |
| Credit loss provision to net charge-offs | 46.5116% | 2,511 |
| Earnings coverage of net charge-offs (x) | 63.9767% | 956 |
| Efficiency ratio | 47.6417% | 5,132 |
| Assets per employee ($millions) | 5.3300% | 2,070 |
| Cash dividends to net income (ytd only)* | 39.8023% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 3,517 |
| Loan loss allowance to noncurrent loans | 106.7093% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 2,281 |
| Noncurrent loans to loans | 0.9871% | 1,771 |
| Net loans and leases to total assets | 56.0636% | 4,162 |
| Net loans and leases to deposits | 66.6284% | 4,132 |
| Net loans and leases to core deposits | 71.1514% | 4,072 |
| Total domestic deposits to total assets | 84.1437% | 3,011 |
| Equity capital to assets | 11.6099% | 2,118 |
| Core capital (leverage) ratio | 10.6449% | 2,873 |
| Tier 1 risk-based capital ratio | 23.2958% | 906 |
| Total risk-based capital ratio | 24.5040% | 893 |
| Memoranda: | ||
| Average total assets | $119,844,670 | 3,862 |
| Average earning assets | $110,372,330 | 3,866 |
| Average equity | $12,629,670 | 3,991 |
| Average total loans | $58,894,000 | 4,192 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4994% | 1,863 |
| Cost of funding earning assets | 0.5406% | 2,473 |
| Net interest margin | 3.9588% | 1,848 |
| Noninterest income to average assets | 8.4167% | 63 |
| Noninterest expense to average assets | 5.0597% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 7.0241% | 27 |
| Return on assets (ROA) | 7.0241% | 27 |
| Pretax return on assets | 7.0241% | 32 |
| Return on Equity (ROE) | 69.8642% | 7 |
| Retained earnings to average equity (ytd only) | 63.9190% | 2 |
| Net charge-offs to loans | 0.1413% | 968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 108.7000% | 574 |
| Efficiency ratio | 41.8449% | 5,404 |
| Assets per employee ($millions) | 6.6340% | 1,133 |
| Cash dividends to net income (ytd only)* | 8.5097% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 2,991 |
| Loan loss allowance to noncurrent loans | 650.4854% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 4,343 |
| Noncurrent loans to loans | 0.1794% | 4,162 |
| Net loans and leases to total assets | 40.7291% | 5,040 |
| Net loans and leases to deposits | 45.3163% | 5,121 |
| Net loans and leases to core deposits | 47.8028% | 5,106 |
| Total domestic deposits to total assets | 89.8775% | 709 |
| Equity capital to assets | 9.6115% | 3,981 |
| Core capital (leverage) ratio | 8.5497% | 5,107 |
| Tier 1 risk-based capital ratio | 23.4403% | 900 |
| Total risk-based capital ratio | 24.6309% | 884 |
| Memoranda: | ||
| Average total assets | $123,802,000 | 3,833 |
| Average earning assets | $114,681,500 | 3,836 |
| Average equity | $12,447,000 | 4,058 |
| Average total loans | $56,631,000 | 4,288 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6685% | 1,264 |
| Cost of funding earning assets | 0.7272% | 898 |
| Net interest margin | 3.9413% | 1,951 |
| Noninterest income to average assets | 1.4955% | 471 |
| Noninterest expense to average assets | 3.1462% | 1,727 |
| Loan and lease loss provision to assets | 0.1102% | 2,048 |
| Net operating income to assets | 1.8291% | 390 |
| Return on assets (ROA) | 1.8377% | 390 |
| Pretax return on assets | 1.8377% | 718 |
| Return on Equity (ROE) | 17.4406% | 355 |
| Retained earnings to average equity (ytd only) | 7.4329% | 943 |
| Net charge-offs to loans | 0.2421% | 1,072 |
| Credit loss provision to net charge-offs | 87.7863% | 2,825 |
| Earnings coverage of net charge-offs (x) | 15.4427% | 2,246 |
| Efficiency ratio | 61.7908% | 3,972 |
| Assets per employee ($millions) | 4.5121% | 3,160 |
| Cash dividends to net income (ytd only)* | 57.3813% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 2,565 |
| Loan loss allowance to noncurrent loans | 711.3402% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 4,204 |
| Noncurrent loans to loans | 0.1737% | 4,230 |
| Net loans and leases to total assets | 50.9378% | 4,596 |
| Net loans and leases to deposits | 57.4785% | 4,723 |
| Net loans and leases to core deposits | 61.3248% | 4,693 |
| Total domestic deposits to total assets | 88.6205% | 1,183 |
| Equity capital to assets | 10.6232% | 3,023 |
| Core capital (leverage) ratio | 10.2242% | 3,158 |
| Tier 1 risk-based capital ratio | 22.1132% | 1,005 |
| Total risk-based capital ratio | 23.3692% | 982 |
| Memoranda: | ||
| Average total assets | $104,316,200 | 4,163 |
| Average earning assets | $95,019,000 | 4,179 |
| Average equity | $10,991,600 | 4,295 |
| Average total loans | $54,115,200 | 4,360 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6641% | 1,217 |
| Cost of funding earning assets | 0.7220% | 875 |
| Net interest margin | 3.9421% | 1,884 |
| Noninterest income to average assets | 1.2349% | 687 |
| Noninterest expense to average assets | 3.0944% | 1,816 |
| Loan and lease loss provision to assets | 0.1394% | 1,529 |
| Net operating income to assets | 1.5872% | 746 |
| Return on assets (ROA) | 1.5988% | 738 |
| Pretax return on assets | 1.5988% | 1,428 |
| Return on Equity (ROE) | 15.2065% | 628 |
| Retained earnings to average equity (ytd only) | 4.0992% | 3,477 |
| Net charge-offs to loans | 0.2658% | 815 |
| Credit loss provision to net charge-offs | 100.9346% | 2,258 |
| Earnings coverage of net charge-offs (x) | 12.5050% | 2,424 |
| Efficiency ratio | 64.1060% | 3,524 |
| Assets per employee ($millions) | 5.1063% | 2,322 |
| Cash dividends to net income (ytd only)* | 73.0429% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 2,179 |
| Loan loss allowance to noncurrent loans | 120.6485% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 2,576 |
| Noncurrent loans to loans | 1.1073% | 1,736 |
| Net loans and leases to total assets | 48.6944% | 4,785 |
| Net loans and leases to deposits | 61.8915% | 4,514 |
| Net loans and leases to core deposits | 66.8399% | 4,432 |
| Total domestic deposits to total assets | 78.6771% | 4,597 |
| Equity capital to assets | 10.3700% | 3,514 |
| Core capital (leverage) ratio | 10.1526% | 3,374 |
| Tier 1 risk-based capital ratio | 21.1513% | 1,170 |
| Total risk-based capital ratio | 22.4079% | 1,152 |
| Memoranda: | ||
| Average total assets | $103,322,500 | 4,218 |
| Average earning assets | $93,991,250 | 4,238 |
| Average equity | $10,863,500 | 4,367 |
| Average total loans | $53,681,250 | 4,409 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 1,431 |
| Cost of funding earning assets | 0.7220% | 789 |
| Net interest margin | 3.8102% | 2,253 |
| Noninterest income to average assets | 1.0488% | 928 |
| Noninterest expense to average assets | 3.0386% | 2,017 |
| Loan and lease loss provision to assets | 0.1235% | 1,672 |
| Net operating income to assets | 1.3527% | 1,171 |
| Return on assets (ROA) | 1.3703% | 1,156 |
| Pretax return on assets | 1.3703% | 2,136 |
| Return on Equity (ROE) | 12.9709% | 1,040 |
| Retained earnings to average equity (ytd only) | 0.6309% | 4,942 |
| Net charge-offs to loans | 0.2930% | 695 |
| Credit loss provision to net charge-offs | 79.7468% | 2,268 |
| Earnings coverage of net charge-offs (x) | 9.5316% | 2,426 |
| Efficiency ratio | 67.2167% | 3,151 |
| Assets per employee ($millions) | 5.0517% | 2,334 |
| Cash dividends to net income (ytd only)* | 95.1359% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,611 |
| Loan loss allowance to noncurrent loans | 131.1787% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5929% | 2,793 |
| Noncurrent loans to loans | 0.9620% | 2,035 |
| Net loans and leases to total assets | 50.8880% | 4,649 |
| Net loans and leases to deposits | 64.6117% | 4,335 |
| Net loans and leases to core deposits | 69.8130% | 4,240 |
| Total domestic deposits to total assets | 78.7597% | 4,676 |
| Equity capital to assets | 10.1927% | 3,674 |
| Core capital (leverage) ratio | 10.1833% | 3,299 |
| Tier 1 risk-based capital ratio | 19.2101% | 1,547 |
| Total risk-based capital ratio | 20.4659% | 1,490 |
| Memoranda: | ||
| Average total assets | $102,019,330 | 4,271 |
| Average earning assets | $92,803,670 | 4,294 |
| Average equity | $10,778,000 | 4,394 |
| Average total loans | $53,934,000 | 4,424 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4947% | 1,385 |
| Cost of funding earning assets | 0.7206% | 760 |
| Net interest margin | 3.7741% | 2,205 |
| Noninterest income to average assets | 1.4202% | 531 |
| Noninterest expense to average assets | 3.1444% | 1,752 |
| Loan and lease loss provision to assets | 0.2280% | 685 |
| Net operating income to assets | 1.4842% | 842 |
| Return on assets (ROA) | 1.5202% | 806 |
| Pretax return on assets | 1.5202% | 1,474 |
| Return on Equity (ROE) | 14.1257% | 779 |
| Retained earnings to average equity (ytd only) | -1.6728% | 5,141 |
| Net charge-offs to loans | 0.2763% | 656 |
| Credit loss provision to net charge-offs | 154.0541% | 1,196 |
| Earnings coverage of net charge-offs (x) | 11.5676% | 1,882 |
| Efficiency ratio | 64.6623% | 3,715 |
| Assets per employee ($millions) | 5.0439% | 2,386 |
| Cash dividends to net income (ytd only)* | 111.8421% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 2,342 |
| Loan loss allowance to noncurrent loans | 141.5205% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.6106% | 2,808 |
| Noncurrent loans to loans | 0.9457% | 2,151 |
| Net loans and leases to total assets | 53.0542% | 4,420 |
| Net loans and leases to deposits | 70.1598% | 3,778 |
| Net loans and leases to core deposits | 78.4279% | 3,435 |
| Total domestic deposits to total assets | 75.6191% | 5,267 |
| Equity capital to assets | 10.6346% | 3,033 |
| Core capital (leverage) ratio | 10.0599% | 3,424 |
| Tier 1 risk-based capital ratio | 20.1057% | 1,369 |
| Total risk-based capital ratio | 21.3669% | 1,337 |
| Memoranda: | ||
| Average total assets | $99,986,000 | 4,347 |
| Average earning assets | $91,041,500 | 4,369 |
| Average equity | $10,760,500 | 4,425 |
| Average total loans | $53,563,500 | 4,467 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 638 |
| Cost of funding earning assets | 0.6754% | 929 |
| Net interest margin | 4.2899% | 946 |
| Noninterest income to average assets | 1.1263% | 904 |
| Noninterest expense to average assets | 3.4872% | 1,188 |
| Loan and lease loss provision to assets | 0.4155% | 364 |
| Net operating income to assets | 1.0582% | 2,100 |
| Return on assets (ROA) | 1.0787% | 2,092 |
| Pretax return on assets | 1.0787% | 3,184 |
| Return on Equity (ROE) | 9.5485% | 2,167 |
| Retained earnings to average equity (ytd only) | 3.9458% | 3,112 |
| Net charge-offs to loans | 0.6654% | 329 |
| Credit loss provision to net charge-offs | 113.6095% | 2,316 |
| Earnings coverage of net charge-offs (x) | 4.0296% | 3,570 |
| Efficiency ratio | 70.2072% | 2,868 |
| Assets per employee ($millions) | 4.7188% | 2,760 |
| Cash dividends to net income (ytd only)* | 58.6760% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 2,362 |
| Loan loss allowance to noncurrent loans | 1,534.7826% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 4,678 |
| Noncurrent loans to loans | 0.0870% | 4,894 |
| Net loans and leases to total assets | 52.6520% | 4,558 |
| Net loans and leases to deposits | 70.1249% | 3,889 |
| Net loans and leases to core deposits | 78.6147% | 3,519 |
| Total domestic deposits to total assets | 75.0833% | 5,342 |
| Equity capital to assets | 10.8917% | 2,722 |
| Core capital (leverage) ratio | 10.5754% | 2,803 |
| Tier 1 risk-based capital ratio | 20.1383% | 1,350 |
| Total risk-based capital ratio | 21.3964% | 1,324 |
| Memoranda: | ||
| Average total assets | $92,424,200 | 4,502 |
| Average earning assets | $82,613,200 | 4,545 |
| Average equity | $10,441,400 | 4,505 |
| Average total loans | $50,799,400 | 4,558 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1132% | 485 |
| Cost of funding earning assets | 0.6885% | 861 |
| Net interest margin | 4.4247% | 742 |
| Noninterest income to average assets | 1.1767% | 831 |
| Noninterest expense to average assets | 3.5714% | 1,041 |
| Loan and lease loss provision to assets | 0.3232% | 515 |
| Net operating income to assets | 1.2193% | 1,569 |
| Return on assets (ROA) | 1.2193% | 1,666 |
| Pretax return on assets | 1.2193% | 2,756 |
| Return on Equity (ROE) | 10.6886% | 1,792 |
| Retained earnings to average equity (ytd only) | 6.0525% | 2,162 |
| Net charge-offs to loans | 0.6179% | 335 |
| Credit loss provision to net charge-offs | 94.4206% | 2,468 |
| Earnings coverage of net charge-offs (x) | 4.5064% | 3,261 |
| Efficiency ratio | 69.6639% | 2,941 |
| Assets per employee ($millions) | 4.3847% | 3,273 |
| Cash dividends to net income (ytd only)* | 43.3736% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 2,765 |
| Loan loss allowance to noncurrent loans | 317.1569% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 3,637 |
| Noncurrent loans to loans | 0.4053% | 3,823 |
| Net loans and leases to total assets | 51.5135% | 4,690 |
| Net loans and leases to deposits | 67.6082% | 4,190 |
| Net loans and leases to core deposits | 75.8969% | 3,846 |
| Total domestic deposits to total assets | 76.1942% | 5,213 |
| Equity capital to assets | 11.4219% | 2,581 |
| Core capital (leverage) ratio | 10.5814% | 2,896 |
| Tier 1 risk-based capital ratio | 21.5659% | 1,186 |
| Total risk-based capital ratio | 22.8248% | 1,167 |
| Memoranda: | ||
| Average total assets | $90,756,750 | 4,566 |
| Average earning assets | $80,757,000 | 4,610 |
| Average equity | $10,353,500 | 4,558 |
| Average total loans | $50,279,000 | 4,601 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2495% | 395 |
| Cost of funding earning assets | 0.6835% | 872 |
| Net interest margin | 4.5660% | 538 |
| Noninterest income to average assets | 1.4338% | 563 |
| Noninterest expense to average assets | 3.6059% | 1,003 |
| Loan and lease loss provision to assets | 0.3804% | 407 |
| Net operating income to assets | 1.4923% | 907 |
| Return on assets (ROA) | 1.4923% | 947 |
| Pretax return on assets | 1.4923% | 1,687 |
| Return on Equity (ROE) | 13.0696% | 1,012 |
| Retained earnings to average equity (ytd only) | 9.0285% | 842 |
| Net charge-offs to loans | 0.7466% | 273 |
| Credit loss provision to net charge-offs | 89.8936% | 2,242 |
| Earnings coverage of net charge-offs (x) | 4.4255% | 2,988 |
| Efficiency ratio | 65.8176% | 3,705 |
| Assets per employee ($millions) | 5.1471% | 2,146 |
| Cash dividends to net income (ytd only)* | 30.9201% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 2,603 |
| Loan loss allowance to noncurrent loans | 284.0000% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 4,472 |
| Noncurrent loans to loans | 0.4695% | 3,680 |
| Net loans and leases to total assets | 53.7185% | 4,534 |
| Net loans and leases to deposits | 70.0173% | 3,980 |
| Net loans and leases to core deposits | 78.9831% | 3,553 |
| Total domestic deposits to total assets | 76.7217% | 5,191 |
| Equity capital to assets | 11.0987% | 2,947 |
| Core capital (leverage) ratio | 10.5631% | 2,890 |
| Tier 1 risk-based capital ratio | 19.0421% | 1,686 |
| Total risk-based capital ratio | 20.3003% | 1,652 |
| Memoranda: | ||
| Average total assets | $88,854,330 | 4,642 |
| Average earning assets | $78,713,000 | 4,682 |
| Average equity | $10,145,670 | 4,618 |
| Average total loans | $50,358,670 | 4,633 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4587% | 274 |
| Cost of funding earning assets | 0.6736% | 926 |
| Net interest margin | 4.7851% | 367 |
| Noninterest income to average assets | 1.6733% | 432 |
| Noninterest expense to average assets | 3.7495% | 842 |
| Loan and lease loss provision to assets | 0.0379% | 3,152 |
| Net operating income to assets | 2.0952% | 281 |
| Return on assets (ROA) | 2.0952% | 295 |
| Pretax return on assets | 2.0952% | 470 |
| Return on Equity (ROE) | 18.0565% | 349 |
| Retained earnings to average equity (ytd only) | 17.4437% | 139 |
| Net charge-offs to loans | 0.2371% | 861 |
| Credit loss provision to net charge-offs | 27.5862% | 2,243 |
| Earnings coverage of net charge-offs (x) | 15.5172% | 1,656 |
| Efficiency ratio | 63.7389% | 4,164 |
| Assets per employee ($millions) | 4.9082% | 2,447 |
| Cash dividends to net income (ytd only)* | 3.3937% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 2,243 |
| Loan loss allowance to noncurrent loans | 1,056.7164% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 5,275 |
| Noncurrent loans to loans | 0.1363% | 4,930 |
| Net loans and leases to total assets | 54.8213% | 4,374 |
| Net loans and leases to deposits | 73.8004% | 3,455 |
| Net loans and leases to core deposits | 81.8291% | 3,144 |
| Total domestic deposits to total assets | 74.2832% | 5,592 |
| Equity capital to assets | 12.1951% | 1,897 |
| Core capital (leverage) ratio | 12.1371% | 1,530 |
| Tier 1 risk-based capital ratio | 20.1814% | 1,464 |
| Total risk-based capital ratio | 21.4410% | 1,435 |
| Memoranda: | ||
| Average total assets | $84,384,000 | 4,758 |
| Average earning assets | $74,230,500 | 4,843 |
| Average equity | $9,791,500 | 4,708 |
| Average total loans | $48,916,000 | 4,710 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4677% | 282 |
| Cost of funding earning assets | 0.6311% | 1,169 |
| Net interest margin | 4.8367% | 342 |
| Noninterest income to average assets | 2.8794% | 214 |
| Noninterest expense to average assets | 4.9655% | 286 |
| Loan and lease loss provision to assets | 0.2386% | 807 |
| Net operating income to assets | 1.8975% | 408 |
| Return on assets (ROA) | 1.9050% | 413 |
| Pretax return on assets | 1.9050% | 650 |
| Return on Equity (ROE) | 17.8747% | 389 |
| Retained earnings to average equity (ytd only) | 11.1937% | 329 |
| Net charge-offs to loans | 0.2839% | 1,067 |
| Credit loss provision to net charge-offs | 143.6090% | 1,833 |
| Earnings coverage of net charge-offs (x) | 12.8571% | 2,420 |
| Efficiency ratio | 69.9208% | 3,238 |
| Assets per employee ($millions) | 4.2327% | 3,516 |
| Cash dividends to net income (ytd only)* | 37.3770% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 2,023 |
| Loan loss allowance to noncurrent loans | 275.0943% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 4,266 |
| Noncurrent loans to loans | 0.5442% | 3,530 |
| Net loans and leases to total assets | 59.6387% | 3,887 |
| Net loans and leases to deposits | 80.5989% | 2,755 |
| Net loans and leases to core deposits | 90.4142% | 2,374 |
| Total domestic deposits to total assets | 73.9944% | 5,649 |
| Equity capital to assets | 10.9536% | 2,867 |
| Core capital (leverage) ratio | 10.4989% | 2,930 |
| Tier 1 risk-based capital ratio | 16.8765% | 2,331 |
| Total risk-based capital ratio | 18.1374% | 2,276 |
| Memoranda: | ||
| Average total assets | $80,051,800 | 4,873 |
| Average earning assets | $69,883,000 | 4,944 |
| Average equity | $8,531,600 | 4,955 |
| Average total loans | $46,847,200 | 4,763 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4526% | 290 |
| Cost of funding earning assets | 0.6317% | 1,199 |
| Net interest margin | 4.8209% | 362 |
| Noninterest income to average assets | 3.4850% | 181 |
| Noninterest expense to average assets | 5.1341% | 256 |
| Loan and lease loss provision to assets | 0.2668% | 614 |
| Net operating income to assets | 2.2961% | 219 |
| Return on assets (ROA) | 2.3061% | 225 |
| Pretax return on assets | 2.3061% | 333 |
| Return on Equity (ROE) | 21.7903% | 197 |
| Retained earnings to average equity (ytd only) | 15.5668% | 147 |
| Net charge-offs to loans | 0.3047% | 877 |
| Credit loss provision to net charge-offs | 150.9434% | 1,665 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 2,247 |
| Efficiency ratio | 66.7028% | 3,764 |
| Assets per employee ($millions) | 4.4082% | 3,159 |
| Cash dividends to net income (ytd only)* | 28.5610% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 2,092 |
| Loan loss allowance to noncurrent loans | 263.6364% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 4,390 |
| Noncurrent loans to loans | 0.5744% | 3,611 |
| Net loans and leases to total assets | 59.4188% | 3,946 |
| Net loans and leases to deposits | 75.9113% | 3,315 |
| Net loans and leases to core deposits | 89.9357% | 2,474 |
| Total domestic deposits to total assets | 78.2739% | 5,137 |
| Equity capital to assets | 11.1850% | 2,809 |
| Core capital (leverage) ratio | 10.4263% | 3,136 |
| Tier 1 risk-based capital ratio | 17.6625% | 2,131 |
| Total risk-based capital ratio | 18.9224% | 2,089 |
| Memoranda: | ||
| Average total assets | $79,959,500 | 4,929 |
| Average earning assets | $69,861,500 | 4,998 |
| Average equity | $8,462,250 | 5,028 |
| Average total loans | $46,386,250 | 4,833 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3989% | 312 |
| Cost of funding earning assets | 0.6217% | 1,279 |
| Net interest margin | 4.7771% | 376 |
| Noninterest income to average assets | 4.1315% | 156 |
| Noninterest expense to average assets | 5.3116% | 236 |
| Loan and lease loss provision to assets | 0.3119% | 470 |
| Net operating income to assets | 2.6870% | 128 |
| Return on assets (ROA) | 2.7020% | 134 |
| Pretax return on assets | 2.7020% | 191 |
| Return on Equity (ROE) | 26.0190% | 101 |
| Retained earnings to average equity (ytd only) | 19.5323% | 77 |
| Net charge-offs to loans | 0.3443% | 763 |
| Credit loss provision to net charge-offs | 158.2278% | 1,478 |
| Earnings coverage of net charge-offs (x) | 15.2152% | 1,988 |
| Efficiency ratio | 63.9147% | 4,372 |
| Assets per employee ($millions) | 5.0594% | 2,196 |
| Cash dividends to net income (ytd only)* | 24.9307% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 2,324 |
| Loan loss allowance to noncurrent loans | 244.7099% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 4,449 |
| Noncurrent loans to loans | 0.6105% | 3,644 |
| Net loans and leases to total assets | 58.4020% | 4,055 |
| Net loans and leases to deposits | 70.6608% | 3,857 |
| Net loans and leases to core deposits | 82.9159% | 3,092 |
| Total domestic deposits to total assets | 82.6512% | 4,078 |
| Equity capital to assets | 10.7596% | 3,155 |
| Core capital (leverage) ratio | 10.0099% | 3,584 |
| Tier 1 risk-based capital ratio | 16.7826% | 2,492 |
| Total risk-based capital ratio | 18.0413% | 2,447 |
| Memoranda: | ||
| Average total assets | $80,163,670 | 4,975 |
| Average earning assets | $70,125,670 | 5,038 |
| Average equity | $8,324,670 | 5,094 |
| Average total loans | $45,891,000 | 4,890 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3921% | 308 |
| Cost of funding earning assets | 0.6182% | 1,316 |
| Net interest margin | 4.7739% | 367 |
| Noninterest income to average assets | 3.8812% | 163 |
| Noninterest expense to average assets | 5.9070% | 195 |
| Loan and lease loss provision to assets | 0.0752% | 2,446 |
| Net operating income to assets | 2.0810% | 289 |
| Return on assets (ROA) | 2.1111% | 293 |
| Pretax return on assets | 2.1111% | 471 |
| Return on Equity (ROE) | 20.7083% | 241 |
| Retained earnings to average equity (ytd only) | 20.7083% | 91 |
| Net charge-offs to loans | 0.3747% | 653 |
| Credit loss provision to net charge-offs | 35.7143% | 2,220 |
| Earnings coverage of net charge-offs (x) | 10.2381% | 1,948 |
| Efficiency ratio | 73.2587% | 2,951 |
| Assets per employee ($millions) | 4.4499% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 2,821 |
| Loan loss allowance to noncurrent loans | 216.8350% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 4,533 |
| Noncurrent loans to loans | 0.6560% | 3,630 |
| Net loans and leases to total assets | 55.7223% | 4,233 |
| Net loans and leases to deposits | 67.1688% | 4,038 |
| Net loans and leases to core deposits | 78.9029% | 3,288 |
| Total domestic deposits to total assets | 82.9586% | 4,189 |
| Equity capital to assets | 10.4171% | 3,628 |
| Core capital (leverage) ratio | 9.3067% | 4,560 |
| Tier 1 risk-based capital ratio | 16.4119% | 2,726 |
| Total risk-based capital ratio | 17.6615% | 2,668 |
| Memoranda: | ||
| Average total assets | $79,770,000 | 5,027 |
| Average earning assets | $69,880,500 | 5,090 |
| Average equity | $8,132,000 | 5,184 |
| Average total loans | $44,839,500 | 4,954 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1749% | 545 |
| Cost of funding earning assets | 0.6218% | 1,595 |
| Net interest margin | 4.5532% | 674 |
| Noninterest income to average assets | 3.1533% | 181 |
| Noninterest expense to average assets | 4.9438% | 319 |
| Loan and lease loss provision to assets | 0.3002% | 686 |
| Net operating income to assets | 2.0044% | 323 |
| Return on assets (ROA) | 2.0123% | 327 |
| Pretax return on assets | 2.0123% | 498 |
| Return on Equity (ROE) | 19.7719% | 264 |
| Retained earnings to average equity (ytd only) | 8.6135% | 794 |
| Net charge-offs to loans | 0.1310% | 2,704 |
| Credit loss provision to net charge-offs | 443.1373% | 589 |
| Earnings coverage of net charge-offs (x) | 34.0196% | 1,218 |
| Efficiency ratio | 68.2060% | 3,863 |
| Assets per employee ($millions) | 3.3100% | 5,243 |
| Cash dividends to net income (ytd only)* | 56.4356% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 2,421 |
| Loan loss allowance to noncurrent loans | 168.1704% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 4,125 |
| Noncurrent loans to loans | 0.8986% | 3,069 |
| Net loans and leases to total assets | 55.0484% | 4,447 |
| Net loans and leases to deposits | 63.4113% | 4,589 |
| Net loans and leases to core deposits | 75.6605% | 3,749 |
| Total domestic deposits to total assets | 86.8116% | 2,383 |
| Equity capital to assets | 9.9697% | 4,150 |
| Core capital (leverage) ratio | 9.5049% | 4,228 |
| Tier 1 risk-based capital ratio | 16.3702% | 2,774 |
| Total risk-based capital ratio | 17.6235% | 2,718 |
| Memoranda: | ||
| Average total assets | $75,285,800 | 5,167 |
| Average earning assets | $67,710,800 | 5,180 |
| Average equity | $7,662,400 | 5,280 |
| Average total loans | $38,922,000 | 5,220 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 605 |
| Cost of funding earning assets | 0.6159% | 1,715 |
| Net interest margin | 4.5129% | 720 |
| Noninterest income to average assets | 3.5215% | 163 |
| Noninterest expense to average assets | 4.7606% | 369 |
| Loan and lease loss provision to assets | 0.3286% | 566 |
| Net operating income to assets | 2.4979% | 144 |
| Return on assets (ROA) | 2.4979% | 147 |
| Pretax return on assets | 2.4979% | 211 |
| Return on Equity (ROE) | 24.4093% | 113 |
| Retained earnings to average equity (ytd only) | 19.4959% | 76 |
| Net charge-offs to loans | 0.1243% | 2,567 |
| Credit loss provision to net charge-offs | 522.8571% | 544 |
| Earnings coverage of net charge-offs (x) | 44.9670% | 1,046 |
| Efficiency ratio | 62.7456% | 4,774 |
| Assets per employee ($millions) | 3.7466% | 4,405 |
| Cash dividends to net income (ytd only)* | 20.1292% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 2,537 |
| Loan loss allowance to noncurrent loans | 231.6547% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3533% | 4,861 |
| Noncurrent loans to loans | 0.6657% | 3,946 |
| Net loans and leases to total assets | 52.2605% | 4,780 |
| Net loans and leases to deposits | 58.9565% | 5,017 |
| Net loans and leases to core deposits | 70.7857% | 4,262 |
| Total domestic deposits to total assets | 88.6425% | 1,429 |
| Equity capital to assets | 10.6127% | 3,418 |
| Core capital (leverage) ratio | 10.2579% | 3,330 |
| Tier 1 risk-based capital ratio | 18.2616% | 2,129 |
| Total risk-based capital ratio | 19.5134% | 2,093 |
| Memoranda: | ||
| Average total assets | $74,247,000 | 5,244 |
| Average earning assets | $66,888,250 | 5,260 |
| Average equity | $7,598,000 | 5,332 |
| Average total loans | $37,552,000 | 5,319 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 1,570 |
| Cost of funding earning assets | 0.5974% | 1,918 |
| Net interest margin | 3.9874% | 1,848 |
| Noninterest income to average assets | 3.3558% | 166 |
| Noninterest expense to average assets | 4.7300% | 376 |
| Loan and lease loss provision to assets | 0.2061% | 1,158 |
| Net operating income to assets | 2.0338% | 313 |
| Return on assets (ROA) | 2.0338% | 333 |
| Pretax return on assets | 2.0338% | 522 |
| Return on Equity (ROE) | 20.1434% | 286 |
| Retained earnings to average equity (ytd only) | 15.9242% | 177 |
| Net charge-offs to loans | 0.1217% | 2,455 |
| Credit loss provision to net charge-offs | 340.9091% | 777 |
| Earnings coverage of net charge-offs (x) | 37.0455% | 1,113 |
| Efficiency ratio | 67.8628% | 4,033 |
| Assets per employee ($millions) | 3.5266% | 4,799 |
| Cash dividends to net income (ytd only)* | 20.9459% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 3,242 |
| Loan loss allowance to noncurrent loans | 192.6316% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 4,791 |
| Noncurrent loans to loans | 0.7376% | 3,856 |
| Net loans and leases to total assets | 49.0913% | 5,064 |
| Net loans and leases to deposits | 55.5259% | 5,236 |
| Net loans and leases to core deposits | 66.8809% | 4,564 |
| Total domestic deposits to total assets | 88.4116% | 1,677 |
| Equity capital to assets | 10.0327% | 4,059 |
| Core capital (leverage) ratio | 9.8545% | 3,809 |
| Tier 1 risk-based capital ratio | 17.5542% | 2,398 |
| Total risk-based capital ratio | 18.8044% | 2,370 |
| Memoranda: | ||
| Average total assets | $72,769,670 | 5,319 |
| Average earning assets | $65,957,330 | 5,321 |
| Average equity | $7,347,330 | 5,404 |
| Average total loans | $36,148,670 | 5,415 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 1,128 |
| Cost of funding earning assets | 0.6252% | 1,769 |
| Net interest margin | 4.1327% | 1,383 |
| Noninterest income to average assets | 4.4456% | 134 |
| Noninterest expense to average assets | 4.8834% | 337 |
| Loan and lease loss provision to assets | 0.1762% | 1,368 |
| Net operating income to assets | 3.1438% | 93 |
| Return on assets (ROA) | 3.1438% | 95 |
| Pretax return on assets | 3.1438% | 130 |
| Return on Equity (ROE) | 31.0282% | 59 |
| Retained earnings to average equity (ytd only) | 31.0282% | 36 |
| Net charge-offs to loans | -0.0115% | 5,105 |
| Credit loss provision to net charge-offs | -3,100.0000% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5288% | 5,466 |
| Assets per employee ($millions) | 3.6742% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 3,033 |
| Loan loss allowance to noncurrent loans | 174.2574% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 4,903 |
| Noncurrent loans to loans | 0.8758% | 3,701 |
| Net loans and leases to total assets | 44.1543% | 5,491 |
| Net loans and leases to deposits | 49.4513% | 5,635 |
| Net loans and leases to core deposits | 59.5019% | 5,083 |
| Total domestic deposits to total assets | 89.2884% | 1,478 |
| Equity capital to assets | 9.9690% | 3,879 |
| Core capital (leverage) ratio | 10.3821% | 3,074 |
| Tier 1 risk-based capital ratio | 17.6790% | 2,419 |
| Total risk-based capital ratio | 18.9303% | 2,389 |
| Memoranda: | ||
| Average total assets | $70,361,500 | 5,433 |
| Average earning assets | $63,977,000 | 5,441 |
| Average equity | $7,129,000 | 5,487 |
| Average total loans | $34,904,500 | 5,506 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6753% | 1,638 |
| Cost of funding earning assets | 0.6189% | 2,491 |
| Net interest margin | 4.0564% | 1,782 |
| Noninterest income to average assets | 3.2085% | 208 |
| Noninterest expense to average assets | 5.5796% | 235 |
| Loan and lease loss provision to assets | 0.1109% | 2,956 |
| Net operating income to assets | 1.1847% | 1,623 |
| Return on assets (ROA) | 1.2104% | 1,598 |
| Pretax return on assets | 1.2104% | 2,535 |
| Return on Equity (ROE) | 11.5029% | 1,592 |
| Retained earnings to average equity (ytd only) | -2.2150% | 6,197 |
| Net charge-offs to loans | -0.0125% | 6,056 |
| Credit loss provision to net charge-offs | -1,725.0000% | 6,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1550% | 1,997 |
| Assets per employee ($millions) | 3.0269% | 5,791 |
| Cash dividends to net income (ytd only)* | 119.2563% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 3,609 |
| Loan loss allowance to noncurrent loans | 2,755.5556% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 6,150 |
| Noncurrent loans to loans | 0.0511% | 6,077 |
| Net loans and leases to total assets | 54.6158% | 4,514 |
| Net loans and leases to deposits | 61.9088% | 4,737 |
| Net loans and leases to core deposits | 75.1477% | 3,708 |
| Total domestic deposits to total assets | 88.2197% | 2,045 |
| Equity capital to assets | 10.3297% | 3,364 |
| Core capital (leverage) ratio | 10.0955% | 3,438 |
| Tier 1 risk-based capital ratio | 17.1594% | 2,536 |
| Total risk-based capital ratio | 18.4075% | 2,511 |
| Memoranda: | ||
| Average total assets | $62,209,000 | 5,700 |
| Average earning assets | $56,232,000 | 5,695 |
| Average equity | $6,546,200 | 5,682 |
| Average total loans | $31,880,200 | 5,674 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6666% | 1,693 |
| Cost of funding earning assets | 0.6124% | 2,714 |
| Net interest margin | 4.0541% | 1,776 |
| Noninterest income to average assets | 2.9157% | 249 |
| Noninterest expense to average assets | 5.7689% | 225 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7844% | 3,428 |
| Return on assets (ROA) | 0.8189% | 3,378 |
| Pretax return on assets | 0.8189% | 4,227 |
| Return on Equity (ROE) | 7.7455% | 3,261 |
| Retained earnings to average equity (ytd only) | -1.7937% | 6,238 |
| Net charge-offs to loans | -0.0387% | 6,224 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0303% | 1,173 |
| Assets per employee ($millions) | 3.0120% | 5,826 |
| Cash dividends to net income (ytd only)* | 123.1580% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,150 |
| Loan loss allowance to noncurrent loans | 1,728.0000% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 6,199 |
| Noncurrent loans to loans | 0.0779% | 6,100 |
| Net loans and leases to total assets | 50.0308% | 5,129 |
| Net loans and leases to deposits | 56.5390% | 5,328 |
| Net loans and leases to core deposits | 68.8136% | 4,453 |
| Total domestic deposits to total assets | 88.4891% | 1,842 |
| Equity capital to assets | 10.4485% | 3,345 |
| Core capital (leverage) ratio | 10.2647% | 3,294 |
| Tier 1 risk-based capital ratio | 18.8482% | 2,035 |
| Total risk-based capital ratio | 20.1053% | 1,994 |
| Memoranda: | ||
| Average total assets | $61,870,250 | 5,771 |
| Average earning assets | $55,514,000 | 5,775 |
| Average equity | $6,541,250 | 5,751 |
| Average total loans | $31,047,250 | 5,761 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6542% | 1,690 |
| Cost of funding earning assets | 0.6014% | 2,924 |
| Net interest margin | 4.0529% | 1,682 |
| Noninterest income to average assets | 3.0679% | 243 |
| Noninterest expense to average assets | 5.7451% | 230 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9445% | 2,594 |
| Return on assets (ROA) | 0.9445% | 2,738 |
| Pretax return on assets | 0.9445% | 3,733 |
| Return on Equity (ROE) | 8.8975% | 2,659 |
| Retained earnings to average equity (ytd only) | -5.4306% | 6,484 |
| Net charge-offs to loans | -0.0261% | 6,056 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8812% | 1,422 |
| Assets per employee ($millions) | 2.5367% | 6,466 |
| Cash dividends to net income (ytd only)* | 161.0345% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 4,054 |
| Loan loss allowance to noncurrent loans | 2,033.3333% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 6,333 |
| Noncurrent loans to loans | 0.0687% | 6,189 |
| Net loans and leases to total assets | 47.5496% | 5,371 |
| Net loans and leases to deposits | 53.5660% | 5,551 |
| Net loans and leases to core deposits | 65.5515% | 4,737 |
| Total domestic deposits to total assets | 88.7682% | 1,748 |
| Equity capital to assets | 10.2873% | 3,560 |
| Core capital (leverage) ratio | 10.2497% | 3,164 |
| Tier 1 risk-based capital ratio | 18.2114% | 2,238 |
| Total risk-based capital ratio | 19.4287% | 2,219 |
| Memoranda: | ||
| Average total assets | $61,409,330 | 5,824 |
| Average earning assets | $54,874,670 | 5,830 |
| Average equity | $6,518,670 | 5,807 |
| Average total loans | $30,703,670 | 5,813 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6643% | 1,636 |
| Cost of funding earning assets | 0.6174% | 2,945 |
| Net interest margin | 4.0469% | 1,625 |
| Noninterest income to average assets | 2.2515% | 366 |
| Noninterest expense to average assets | 6.2247% | 193 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3708% | 6,617 |
| Return on assets (ROA) | -0.3708% | 6,650 |
| Pretax return on assets | -0.3708% | 6,624 |
| Return on Equity (ROE) | -3.4377% | 6,629 |
| Retained earnings to average equity (ytd only) | -19.8895% | 6,830 |
| Net charge-offs to loans | 0.0130% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -56.0000% | 4,138 |
| Efficiency ratio | 106.3348% | 388 |
| Assets per employee ($millions) | 2.4373% | 6,633 |
| Cash dividends to net income (ytd only)* | -478.5714% | 7,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 4,426 |
| Loan loss allowance to noncurrent loans | 1,834.7826% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 6,415 |
| Noncurrent loans to loans | 0.0741% | 6,260 |
| Net loans and leases to total assets | 50.2626% | 4,955 |
| Net loans and leases to deposits | 56.6131% | 5,184 |
| Net loans and leases to core deposits | 67.5519% | 4,353 |
| Total domestic deposits to total assets | 88.7826% | 1,813 |
| Equity capital to assets | 10.4641% | 3,579 |
| Core capital (leverage) ratio | 10.6407% | 2,604 |
| Tier 1 risk-based capital ratio | 19.5006% | 1,905 |
| Total risk-based capital ratio | 20.5725% | 1,923 |
| Memoranda: | ||
| Average total assets | $60,405,000 | 5,897 |
| Average earning assets | $53,770,000 | 5,908 |
| Average equity | $6,516,000 | 5,863 |
| Average total loans | $30,764,500 | 5,854 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9955% | 1,567 |
| Cost of funding earning assets | 0.9331% | 1,745 |
| Net interest margin | 4.0624% | 2,145 |
| Noninterest income to average assets | 2.7026% | 287 |
| Noninterest expense to average assets | 5.3449% | 301 |
| Loan and lease loss provision to assets | 0.0587% | 5,040 |
| Net operating income to assets | 0.9982% | 2,339 |
| Return on assets (ROA) | 0.7685% | 3,671 |
| Pretax return on assets | 0.7685% | 4,415 |
| Return on Equity (ROE) | 6.7506% | 3,784 |
| Retained earnings to average equity (ytd only) | 2.8064% | 4,263 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4907% | 1,687 |
| Assets per employee ($millions) | 2.7217% | 6,400 |
| Cash dividends to net income (ytd only)* | 58.4270% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 4,225 |
| Loan loss allowance to noncurrent loans | 1,692.0000% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 6,357 |
| Noncurrent loans to loans | 0.0820% | 6,277 |
| Net loans and leases to total assets | 50.1987% | 5,142 |
| Net loans and leases to deposits | 56.9528% | 5,342 |
| Net loans and leases to core deposits | 70.5637% | 4,224 |
| Total domestic deposits to total assets | 88.1409% | 2,135 |
| Equity capital to assets | 11.1159% | 2,815 |
| Core capital (leverage) ratio | 11.3126% | 2,006 |
| Tier 1 risk-based capital ratio | 21.0174% | 1,457 |
| Total risk-based capital ratio | 22.2658% | 1,431 |
| Memoranda: | ||
| Average total assets | $57,906,200 | 5,977 |
| Average earning assets | $52,727,800 | 5,964 |
| Average equity | $6,592,000 | 5,871 |
| Average total loans | $28,840,400 | 6,001 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9847% | 1,726 |
| Cost of funding earning assets | 0.9980% | 1,571 |
| Net interest margin | 3.9867% | 2,554 |
| Noninterest income to average assets | 2.7148% | 284 |
| Noninterest expense to average assets | 5.4132% | 284 |
| Loan and lease loss provision to assets | -0.0674% | 7,010 |
| Net operating income to assets | 1.0148% | 2,428 |
| Return on assets (ROA) | 0.7060% | 4,130 |
| Pretax return on assets | 0.7060% | 4,839 |
| Return on Equity (ROE) | 6.1636% | 4,255 |
| Retained earnings to average equity (ytd only) | 3.4266% | 4,454 |
| Net charge-offs to loans | -0.0141% | 6,426 |
| Credit loss provision to net charge-offs | 966.6667% | 296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1041% | 1,467 |
| Assets per employee ($millions) | 2.4035% | 6,781 |
| Cash dividends to net income (ytd only)* | 44.4094% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 4,599 |
| Loan loss allowance to noncurrent loans | 1,344.4444% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 5,004 |
| Noncurrent loans to loans | 0.1001% | 6,364 |
| Net loans and leases to total assets | 48.1196% | 5,531 |
| Net loans and leases to deposits | 55.1350% | 5,706 |
| Net loans and leases to core deposits | 61.1194% | 5,444 |
| Total domestic deposits to total assets | 87.2759% | 2,510 |
| Equity capital to assets | 12.0349% | 2,226 |
| Core capital (leverage) ratio | 11.5089% | 1,983 |
| Tier 1 risk-based capital ratio | 23.8026% | 1,045 |
| Total risk-based capital ratio | 25.0584% | 1,027 |
| Memoranda: | ||
| Average total assets | $57,413,250 | 6,052 |
| Average earning assets | $52,506,250 | 6,040 |
| Average equity | $6,576,000 | 5,942 |
| Average total loans | $28,430,250 | 6,093 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9749% | 1,854 |
| Cost of funding earning assets | 1.0092% | 1,714 |
| Net interest margin | 3.9657% | 2,652 |
| Noninterest income to average assets | 2.9695% | 248 |
| Noninterest expense to average assets | 5.5640% | 262 |
| Loan and lease loss provision to assets | -0.0963% | 7,107 |
| Net operating income to assets | 1.1389% | 1,916 |
| Return on assets (ROA) | 1.0804% | 2,340 |
| Pretax return on assets | 1.0804% | 3,377 |
| Return on Equity (ROE) | 9.5873% | 2,535 |
| Retained earnings to average equity (ytd only) | 9.5873% | 1,087 |
| Net charge-offs to loans | -0.0484% | 6,659 |
| Credit loss provision to net charge-offs | 400.0000% | 730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2188% | 1,604 |
| Assets per employee ($millions) | 2.3828% | 6,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 4,307 |
| Loan loss allowance to noncurrent loans | 1,268.9655% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 5,015 |
| Noncurrent loans to loans | 0.1132% | 6,377 |
| Net loans and leases to total assets | 42.3989% | 6,165 |
| Net loans and leases to deposits | 48.1802% | 6,298 |
| Net loans and leases to core deposits | 52.8511% | 6,173 |
| Total domestic deposits to total assets | 88.0007% | 2,144 |
| Equity capital to assets | 11.3597% | 2,728 |
| Core capital (leverage) ratio | 11.3258% | 2,025 |
| Tier 1 risk-based capital ratio | 22.0346% | 1,283 |
| Total risk-based capital ratio | 23.2458% | 1,268 |
| Memoranda: | ||
| Average total assets | $58,124,000 | 6,075 |
| Average earning assets | $53,307,330 | 6,052 |
| Average equity | $6,550,330 | 5,966 |
| Average total loans | $28,919,000 | 6,116 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0934% | 1,594 |
| Cost of funding earning assets | 1.0036% | 1,960 |
| Net interest margin | 4.0898% | 2,138 |
| Noninterest income to average assets | 2.0348% | 398 |
| Noninterest expense to average assets | 5.7142% | 234 |
| Loan and lease loss provision to assets | -0.2021% | 7,209 |
| Net operating income to assets | 0.2996% | 5,658 |
| Return on assets (ROA) | 0.2996% | 5,824 |
| Pretax return on assets | 0.2996% | 5,978 |
| Return on Equity (ROE) | 2.6700% | 5,841 |
| Retained earnings to average equity (ytd only) | 2.6700% | 4,925 |
| Net charge-offs to loans | -0.0654% | 6,647 |
| Credit loss provision to net charge-offs | 580.0000% | 587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3213% | 621 |
| Assets per employee ($millions) | 2.5621% | 6,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 5,309 |
| Loan loss allowance to noncurrent loans | 1,140.6250% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 4,780 |
| Noncurrent loans to loans | 0.1088% | 6,485 |
| Net loans and leases to total assets | 49.2856% | 5,394 |
| Net loans and leases to deposits | 55.5305% | 5,660 |
| Net loans and leases to core deposits | 60.6528% | 5,470 |
| Total domestic deposits to total assets | 88.7541% | 1,848 |
| Equity capital to assets | 10.8913% | 3,038 |
| Core capital (leverage) ratio | 11.4167% | 1,951 |
| Tier 1 risk-based capital ratio | 20.3734% | 1,625 |
| Total risk-based capital ratio | 21.5344% | 1,613 |
| Memoranda: | ||
| Average total assets | $57,401,000 | 6,134 |
| Average earning assets | $53,009,500 | 6,100 |
| Average equity | $6,442,000 | 6,028 |
| Average total loans | $30,566,000 | 6,085 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6834% | 809 |
| Cost of funding earning assets | 1.2249% | 1,873 |
| Net interest margin | 4.4585% | 1,233 |
| Noninterest income to average assets | 3.3130% | 188 |
| Noninterest expense to average assets | 6.2965% | 182 |
| Loan and lease loss provision to assets | 0.3137% | 3,159 |
| Net operating income to assets | 0.7538% | 3,246 |
| Return on assets (ROA) | 0.7538% | 3,409 |
| Pretax return on assets | 0.7538% | 4,141 |
| Return on Equity (ROE) | 6.5600% | 3,608 |
| Retained earnings to average equity (ytd only) | 0.3606% | 5,669 |
| Net charge-offs to loans | 0.0559% | 5,750 |
| Credit loss provision to net charge-offs | 1,060.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 36.0667% | 728 |
| Efficiency ratio | 85.3430% | 1,637 |
| Assets per employee ($millions) | 2.6607% | 6,658 |
| Cash dividends to net income (ytd only)* | 94.5026% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 5,270 |
| Loan loss allowance to noncurrent loans | 1,178.7879% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.9915% | 4,625 |
| Noncurrent loans to loans | 0.1040% | 6,553 |
| Net loans and leases to total assets | 56.0815% | 4,681 |
| Net loans and leases to deposits | 63.6981% | 5,047 |
| Net loans and leases to core deposits | 67.7763% | 5,059 |
| Total domestic deposits to total assets | 88.0427% | 2,125 |
| Equity capital to assets | 11.5725% | 2,453 |
| Core capital (leverage) ratio | 11.2784% | 2,058 |
| Tier 1 risk-based capital ratio | 20.1172% | 1,612 |
| Total risk-based capital ratio | 21.3363% | 1,588 |
| Memoranda: | ||
| Average total assets | $50,678,600 | 6,346 |
| Average earning assets | $46,046,400 | 6,329 |
| Average equity | $5,823,200 | 6,198 |
| Average total loans | $26,817,400 | 6,312 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7326% | 801 |
| Cost of funding earning assets | 1.2689% | 1,871 |
| Net interest margin | 4.4637% | 1,234 |
| Noninterest income to average assets | 3.4291% | 186 |
| Noninterest expense to average assets | 6.1886% | 184 |
| Loan and lease loss provision to assets | 0.3753% | 2,603 |
| Net operating income to assets | 0.9018% | 2,734 |
| Return on assets (ROA) | 0.9018% | 2,875 |
| Pretax return on assets | 0.9018% | 3,758 |
| Return on Equity (ROE) | 7.8644% | 3,101 |
| Retained earnings to average equity (ytd only) | -0.6592% | 6,098 |
| Net charge-offs to loans | 0.0886% | 5,088 |
| Credit loss provision to net charge-offs | 817.6471% | 327 |
| Earnings coverage of net charge-offs (x) | 27.8187% | 980 |
| Efficiency ratio | 82.7486% | 1,876 |
| Assets per employee ($millions) | 2.4915% | 6,899 |
| Cash dividends to net income (ytd only)* | 108.3827% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 5,448 |
| Loan loss allowance to noncurrent loans | 295.9677% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 1.0071% | 4,741 |
| Noncurrent loans to loans | 0.4067% | 6,038 |
| Net loans and leases to total assets | 54.9606% | 5,003 |
| Net loans and leases to deposits | 62.5649% | 5,335 |
| Net loans and leases to core deposits | 67.0159% | 5,304 |
| Total domestic deposits to total assets | 87.8457% | 2,133 |
| Equity capital to assets | 11.7182% | 2,478 |
| Core capital (leverage) ratio | 12.1406% | 1,630 |
| Tier 1 risk-based capital ratio | 21.0904% | 1,437 |
| Total risk-based capital ratio | 22.3053% | 1,423 |
| Memoranda: | ||
| Average total assets | $49,379,750 | 6,441 |
| Average earning assets | $44,655,750 | 6,428 |
| Average equity | $5,662,500 | 6,288 |
| Average total loans | $25,590,750 | 6,446 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6222% | 1,033 |
| Cost of funding earning assets | 1.3086% | 1,884 |
| Net interest margin | 4.3136% | 1,614 |
| Noninterest income to average assets | 3.7377% | 183 |
| Noninterest expense to average assets | 5.9324% | 200 |
| Loan and lease loss provision to assets | 0.3153% | 2,906 |
| Net operating income to assets | 1.3706% | 1,145 |
| Return on assets (ROA) | 1.3706% | 1,218 |
| Pretax return on assets | 1.3706% | 1,892 |
| Return on Equity (ROE) | 12.0540% | 1,471 |
| Retained earnings to average equity (ytd only) | 10.2052% | 804 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8698% | 2,734 |
| Assets per employee ($millions) | 1.3313% | 7,424 |
| Cash dividends to net income (ytd only)* | 15.3374% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 5,697 |
| Loan loss allowance to noncurrent loans | 169.3122% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 1.8291% | 3,470 |
| Noncurrent loans to loans | 0.6875% | 5,533 |
| Net loans and leases to total assets | 55.1615% | 5,126 |
| Net loans and leases to deposits | 63.1510% | 5,376 |
| Net loans and leases to core deposits | 66.1634% | 5,492 |
| Total domestic deposits to total assets | 87.3485% | 2,549 |
| Equity capital to assets | 11.2284% | 2,742 |
| Core capital (leverage) ratio | 11.2052% | 2,109 |
| Tier 1 risk-based capital ratio | 18.7265% | 1,928 |
| Total risk-based capital ratio | 19.8424% | 1,936 |
| Memoranda: | ||
| Average total assets | $47,569,000 | 6,548 |
| Average earning assets | $42,795,000 | 6,551 |
| Average equity | $5,409,000 | 6,398 |
| Average total loans | $23,957,000 | 6,594 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4196% | 1,499 |
| Cost of funding earning assets | 1.3525% | 1,873 |
| Net interest margin | 4.0671% | 2,400 |
| Noninterest income to average assets | 5.0338% | 136 |
| Noninterest expense to average assets | 6.9686% | 150 |
| Loan and lease loss provision to assets | 0.1883% | 3,737 |
| Net operating income to assets | 1.5324% | 816 |
| Return on assets (ROA) | 1.5324% | 859 |
| Pretax return on assets | 1.5324% | 1,353 |
| Return on Equity (ROE) | 13.3882% | 1,113 |
| Retained earnings to average equity (ytd only) | 13.3882% | 535 |
| Net charge-offs to loans | -0.1622% | 7,215 |
| Credit loss provision to net charge-offs | -244.4444% | 5,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1970% | 2,494 |
| Assets per employee ($millions) | 2.9211% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 5,630 |
| Loan loss allowance to noncurrent loans | 175.7962% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 1.8229% | 3,537 |
| Noncurrent loans to loans | 0.6832% | 5,657 |
| Net loans and leases to total assets | 48.5750% | 6,009 |
| Net loans and leases to deposits | 55.2317% | 6,198 |
| Net loans and leases to core deposits | 57.5371% | 6,302 |
| Total domestic deposits to total assets | 87.9477% | 2,402 |
| Equity capital to assets | 11.6265% | 2,180 |
| Core capital (leverage) ratio | 11.4767% | 1,860 |
| Tier 1 risk-based capital ratio | 22.0566% | 1,219 |
| Total risk-based capital ratio | 23.1900% | 1,208 |
| Memoranda: | ||
| Average total assets | $46,724,000 | 6,619 |
| Average earning assets | $41,995,500 | 6,613 |
| Average equity | $5,348,000 | 6,439 |
| Average total loans | $22,189,500 | 6,727 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4378% | 2,512 |
| Cost of funding earning assets | 1.5896% | 2,131 |
| Net interest margin | 3.8482% | 3,740 |
| Noninterest income to average assets | 1.8693% | 444 |
| Noninterest expense to average assets | 5.0313% | 402 |
| Loan and lease loss provision to assets | 0.3035% | 4,379 |
| Net operating income to assets | 0.0393% | 5,732 |
| Return on assets (ROA) | 0.2315% | 5,327 |
| Pretax return on assets | 0.2315% | 5,408 |
| Return on Equity (ROE) | 1.9820% | 5,383 |
| Retained earnings to average equity (ytd only) | -3.2534% | 6,124 |
| Net charge-offs to loans | 0.2403% | 4,846 |
| Credit loss provision to net charge-offs | 289.5833% | 934 |
| Earnings coverage of net charge-offs (x) | 3.2708% | 3,440 |
| Efficiency ratio | 93.6205% | 1,079 |
| Assets per employee ($millions) | 2.2243% | 7,285 |
| Cash dividends to net income (ytd only)* | 264.1509% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 5,761 |
| Loan loss allowance to noncurrent loans | 82.4916% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 2.2501% | 3,028 |
| Noncurrent loans to loans | 1.3879% | 4,403 |
| Net loans and leases to total assets | 45.2901% | 6,615 |
| Net loans and leases to deposits | 51.6013% | 6,774 |
| Net loans and leases to core deposits | 54.1118% | 6,805 |
| Total domestic deposits to total assets | 87.7692% | 2,381 |
| Equity capital to assets | 11.2653% | 2,441 |
| Core capital (leverage) ratio | 10.7568% | 2,343 |
| Tier 1 risk-based capital ratio | 21.5097% | 1,244 |
| Total risk-based capital ratio | 22.5246% | 1,255 |
| Memoranda: | ||
| Average total assets | $45,793,200 | 6,672 |
| Average earning assets | $41,708,200 | 6,650 |
| Average equity | $5,348,200 | 6,552 |
| Average total loans | $19,975,200 | 6,925 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2091% | 3,783 |
| Cost of funding earning assets | 1.6156% | 2,303 |
| Net interest margin | 3.5935% | 4,904 |
| Noninterest income to average assets | 1.2495% | 880 |
| Noninterest expense to average assets | 4.4361% | 641 |
| Loan and lease loss provision to assets | 0.2224% | 4,833 |
| Net operating income to assets | -0.1288% | 6,217 |
| Return on assets (ROA) | 0.1288% | 5,859 |
| Pretax return on assets | 0.1288% | 5,868 |
| Return on Equity (ROE) | 1.0926% | 5,871 |
| Retained earnings to average equity (ytd only) | -1.8871% | 6,179 |
| Net charge-offs to loans | 0.2787% | 4,276 |
| Credit loss provision to net charge-offs | 185.3659% | 1,950 |
| Earnings coverage of net charge-offs (x) | 0.7805% | 5,275 |
| Efficiency ratio | 97.9328% | 820 |
| Assets per employee ($millions) | 2.1470% | 7,428 |
| Cash dividends to net income (ytd only)* | 272.7118% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 6,643 |
| Loan loss allowance to noncurrent loans | 43.6490% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 1.7827% | 3,771 |
| Noncurrent loans to loans | 2.1314% | 3,540 |
| Net loans and leases to total assets | 42.6100% | 6,940 |
| Net loans and leases to deposits | 48.5397% | 7,064 |
| Net loans and leases to core deposits | 50.5437% | 7,103 |
| Total domestic deposits to total assets | 87.7840% | 2,105 |
| Equity capital to assets | 11.5872% | 2,466 |
| Core capital (leverage) ratio | 11.3631% | 2,035 |
| Tier 1 risk-based capital ratio | 23.4432% | 1,010 |
| Total risk-based capital ratio | 24.2651% | 1,036 |
| Memoranda: | ||
| Average total assets | $45,564,000 | 6,758 |
| Average earning assets | $41,592,500 | 6,737 |
| Average equity | $5,369,750 | 6,630 |
| Average total loans | $19,619,000 | 7,043 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2942% | 3,499 |
| Cost of funding earning assets | 1.6432% | 2,419 |
| Net interest margin | 3.6510% | 4,574 |
| Noninterest income to average assets | 1.1020% | 1,090 |
| Noninterest expense to average assets | 4.3104% | 719 |
| Loan and lease loss provision to assets | 0.3377% | 3,710 |
| Net operating income to assets | -0.2089% | 6,367 |
| Return on assets (ROA) | 0.1777% | 5,766 |
| Pretax return on assets | 0.1777% | 5,822 |
| Return on Equity (ROE) | 1.4994% | 5,800 |
| Retained earnings to average equity (ytd only) | -2.9989% | 6,302 |
| Net charge-offs to loans | 0.4849% | 3,086 |
| Credit loss provision to net charge-offs | 161.7021% | 2,437 |
| Earnings coverage of net charge-offs (x) | 0.6170% | 5,128 |
| Efficiency ratio | 97.0971% | 913 |
| Assets per employee ($millions) | 2.0953% | 7,518 |
| Cash dividends to net income (ytd only)* | 300.0000% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 6,443 |
| Loan loss allowance to noncurrent loans | 26.0684% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 2.6075% | 2,777 |
| Noncurrent loans to loans | 3.8038% | 2,028 |
| Net loans and leases to total assets | 39.6382% | 7,189 |
| Net loans and leases to deposits | 44.9518% | 7,289 |
| Net loans and leases to core deposits | 46.5398% | 7,330 |
| Total domestic deposits to total assets | 88.1793% | 1,900 |
| Equity capital to assets | 11.5756% | 2,379 |
| Core capital (leverage) ratio | 11.3789% | 1,987 |
| Tier 1 risk-based capital ratio | 24.3084% | 909 |
| Total risk-based capital ratio | 25.1564% | 934 |
| Memoranda: | ||
| Average total assets | $45,007,670 | 6,828 |
| Average earning assets | $41,139,330 | 6,807 |
| Average equity | $5,335,330 | 6,673 |
| Average total loans | $19,387,000 | 7,103 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1901% | 4,079 |
| Cost of funding earning assets | 1.6686% | 2,548 |
| Net interest margin | 3.5215% | 5,079 |
| Noninterest income to average assets | 0.9266% | 1,523 |
| Noninterest expense to average assets | 4.3722% | 660 |
| Loan and lease loss provision to assets | 0.0180% | 6,459 |
| Net operating income to assets | -0.1979% | 6,541 |
| Return on assets (ROA) | -0.1979% | 6,611 |
| Pretax return on assets | -0.1979% | 6,555 |
| Return on Equity (ROE) | -1.6495% | 6,595 |
| Retained earnings to average equity (ytd only) | -10.6467% | 6,998 |
| Net charge-offs to loans | -0.0201% | 7,079 |
| Credit loss provision to net charge-offs | -200.0000% | 6,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2918% | 718 |
| Assets per employee ($millions) | 2.0462% | 7,644 |
| Cash dividends to net income (ytd only)* | -545.4545% | 7,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8201% | 7,077 |
| Loan loss allowance to noncurrent loans | 48.0122% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 0.9685% | 5,213 |
| Noncurrent loans to loans | 1.7081% | 4,179 |
| Net loans and leases to total assets | 42.1783% | 7,117 |
| Net loans and leases to deposits | 47.9518% | 7,239 |
| Net loans and leases to core deposits | 50.0171% | 7,282 |
| Total domestic deposits to total assets | 87.9598% | 2,086 |
| Equity capital to assets | 11.8491% | 2,135 |
| Core capital (leverage) ratio | 11.5857% | 1,861 |
| Tier 1 risk-based capital ratio | 24.7706% | 891 |
| Total risk-based capital ratio | 25.5209% | 921 |
| Memoranda: | ||
| Average total assets | $44,463,000 | 6,936 |
| Average earning assets | $41,232,000 | 6,889 |
| Average equity | $5,335,000 | 6,726 |
| Average total loans | $19,853,000 | 7,159 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5003% | 4,140 |
| Cost of funding earning assets | 1.6709% | 4,667 |
| Net interest margin | 3.8295% | 3,583 |
| Noninterest income to average assets | 0.9925% | 1,602 |
| Noninterest expense to average assets | 3.3865% | 2,725 |
| Loan and lease loss provision to assets | 0.5353% | 3,693 |
| Net operating income to assets | 0.4618% | 3,883 |
| Return on assets (ROA) | 0.4986% | 3,834 |
| Pretax return on assets | 0.4986% | 4,189 |
| Return on Equity (ROE) | 4.2901% | 3,969 |
| Retained earnings to average equity (ytd only) | 4.2901% | 2,222 |
| Net charge-offs to loans | 0.5661% | 3,524 |
| Credit loss provision to net charge-offs | 230.6931% | 1,593 |
| Earnings coverage of net charge-offs (x) | 4.2970% | 2,995 |
| Efficiency ratio | 77.2537% | 3,319 |
| Assets per employee ($millions) | 2.0910% | 7,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7490% | 7,269 |
| Loan loss allowance to noncurrent loans | 41.3978% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 1.0954% | 4,900 |
| Noncurrent loans to loans | 1.8092% | 3,916 |
| Net loans and leases to total assets | 46.4769% | 6,937 |
| Net loans and leases to deposits | 53.0629% | 7,107 |
| Net loans and leases to core deposits | 71.6573% | 6,679 |
| Total domestic deposits to total assets | 87.5882% | 2,179 |
| Equity capital to assets | 12.1521% | 1,935 |
| Core capital (leverage) ratio | 12.0541% | 1,640 |
| Tier 1 risk-based capital ratio | 24.1915% | 932 |
| Total risk-based capital ratio | 24.9020% | 961 |
| Memoranda: | ||
| Average total assets | $43,526,200 | 6,963 |
| Average earning assets | $38,543,200 | 6,994 |
| Average equity | $5,058,200 | 6,920 |
| Average total loans | $17,839,800 | 7,320 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6269% | 3,712 |
| Cost of funding earning assets | 1.6498% | 5,164 |
| Net interest margin | 3.9771% | 2,904 |
| Noninterest income to average assets | 0.8934% | 2,008 |
| Noninterest expense to average assets | 3.1160% | 3,595 |
| Loan and lease loss provision to assets | 0.4513% | 3,659 |
| Net operating income to assets | 0.8043% | 2,794 |
| Return on assets (ROA) | 0.8535% | 2,666 |
| Pretax return on assets | 0.8535% | 3,370 |
| Return on Equity (ROE) | 7.4299% | 2,894 |
| Retained earnings to average equity (ytd only) | 7.4299% | 1,335 |
| Net charge-offs to loans | 0.7226% | 2,548 |
| Credit loss provision to net charge-offs | 158.0645% | 3,010 |
| Earnings coverage of net charge-offs (x) | 4.3977% | 3,146 |
| Efficiency ratio | 71.2781% | 4,369 |
| Assets per employee ($millions) | 2.1548% | 7,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4282% | 7,793 |
| Loan loss allowance to noncurrent loans | 36.8159% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 0.7286% | 5,674 |
| Noncurrent loans to loans | 1.1631% | 4,996 |
| Net loans and leases to total assets | 39.9271% | 7,472 |
| Net loans and leases to deposits | 45.7159% | 7,574 |
| Net loans and leases to core deposits | 59.7652% | 7,407 |
| Total domestic deposits to total assets | 87.3376% | 1,991 |
| Equity capital to assets | 12.3886% | 2,007 |
| Core capital (leverage) ratio | 12.1003% | 1,755 |
| Tier 1 risk-based capital ratio | 28.2818% | 670 |
| Total risk-based capital ratio | 28.6670% | 699 |
| Memoranda: | ||
| Average total assets | $43,430,250 | 7,017 |
| Average earning assets | $37,983,250 | 7,070 |
| Average equity | $4,988,750 | 7,002 |
| Average total loans | $17,159,250 | 7,410 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5270% | 4,463 |
| Cost of funding earning assets | 1.5189% | 6,060 |
| Net interest margin | 4.0081% | 2,664 |
| Noninterest income to average assets | 0.7441% | 2,734 |
| Noninterest expense to average assets | 2.7881% | 5,009 |
| Loan and lease loss provision to assets | 0.4823% | 3,114 |
| Net operating income to assets | 0.9646% | 2,225 |
| Return on assets (ROA) | 1.0381% | 2,059 |
| Pretax return on assets | 1.0381% | 2,849 |
| Return on Equity (ROE) | 9.2775% | 2,264 |
| Retained earnings to average equity (ytd only) | 9.2775% | 871 |
| Net charge-offs to loans | 0.0467% | 5,826 |
| Credit loss provision to net charge-offs | 2,625.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 78.7500% | 486 |
| Efficiency ratio | 65.8351% | 5,572 |
| Assets per employee ($millions) | 2.2191% | 7,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 7,265 |
| Loan loss allowance to noncurrent loans | 38.3901% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 0.9914% | 4,983 |
| Noncurrent loans to loans | 1.9865% | 3,546 |
| Net loans and leases to total assets | 36.3579% | 7,695 |
| Net loans and leases to deposits | 41.3532% | 7,774 |
| Net loans and leases to core deposits | 52.5860% | 7,694 |
| Total domestic deposits to total assets | 87.9205% | 1,810 |
| Equity capital to assets | 11.6987% | 2,387 |
| Core capital (leverage) ratio | 11.9789% | 1,839 |
| Tier 1 risk-based capital ratio | 27.9036% | 723 |
| Total risk-based capital ratio | 28.5646% | 738 |
| Memoranda: | ||
| Average total assets | $43,541,670 | 7,075 |
| Average earning assets | $37,923,000 | 7,132 |
| Average equity | $4,872,000 | 7,114 |
| Average total loans | $17,118,670 | 7,482 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6830% | 7,530 |
| Cost of funding earning assets | 1.0096% | 7,659 |
| Net interest margin | 3.6734% | 4,002 |
| Noninterest income to average assets | 0.5380% | 4,005 |
| Noninterest expense to average assets | 2.0129% | 7,321 |
| Loan and lease loss provision to assets | 0.9462% | 1,376 |
| Net operating income to assets | 0.7514% | 3,346 |
| Return on assets (ROA) | 0.7514% | 3,520 |
| Pretax return on assets | 0.7514% | 4,250 |
| Return on Equity (ROE) | 6.8761% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.8761% | 2,253 |
| Net charge-offs to loans | 0.1140% | 4,055 |
| Credit loss provision to net charge-offs | 2,040.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 36.6000% | 915 |
| Efficiency ratio | 54.2500% | 7,197 |
| Assets per employee ($millions) | 2.2104% | 7,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7011% | 7,438 |
| Loan loss allowance to noncurrent loans | 42.0495% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 4,291 |
| Noncurrent loans to loans | 1.6673% | 3,770 |
| Net loans and leases to total assets | 38.1266% | 7,660 |
| Net loans and leases to deposits | 43.3469% | 7,747 |
| Net loans and leases to core deposits | 54.7792% | 7,655 |
| Total domestic deposits to total assets | 87.9569% | 1,763 |
| Equity capital to assets | 11.5047% | 2,584 |
| Core capital (leverage) ratio | 11.5961% | 2,092 |
| Tier 1 risk-based capital ratio | 25.6785% | 918 |
| Total risk-based capital ratio | 26.2789% | 953 |
| Memoranda: | ||
| Average total assets | $43,122,000 | 7,130 |
| Average earning assets | $37,241,000 | 7,209 |
| Average equity | $4,712,000 | 7,221 |
| Average total loans | $17,548,000 | 7,509 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5048% | 2,932 |
| Cost of funding earning assets | 2.5143% | 4,130 |
| Net interest margin | 3.9905% | 3,160 |
| Noninterest income to average assets | 0.8294% | 2,353 |
| Noninterest expense to average assets | 3.9416% | 1,500 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5070% | 4,696 |
| Return on assets (ROA) | 0.5070% | 4,547 |
| Pretax return on assets | 0.5070% | 4,953 |
| Return on Equity (ROE) | 5.2421% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.2421% | 1,885 |
| Net charge-offs to loans | -0.0950% | 8,086 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6029% | 1,621 |
| Assets per employee ($millions) | 1.6814% | 8,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1024% | 1,068 |
| Loan loss allowance to noncurrent loans | 87.5862% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.5487% | 3,126 |
| Noncurrent loans to loans | 2.4004% | 2,287 |
| Net loans and leases to total assets | 42.2043% | 7,575 |
| Net loans and leases to deposits | 47.2728% | 7,743 |
| Net loans and leases to core deposits | 59.0520% | 7,623 |
| Total domestic deposits to total assets | 89.2782% | 929 |
| Equity capital to assets | 10.3197% | 3,694 |
| Core capital (leverage) ratio | 9.6546% | 3,821 |
| Tier 1 risk-based capital ratio | 20.6607% | 1,513 |
| Total risk-based capital ratio | 21.9207% | 1,480 |
| Memoranda: | ||
| Average total assets | $42,800,200 | 7,087 |
| Average earning assets | $38,817,400 | 7,099 |
| Average equity | $4,139,600 | 7,455 |
| Average total loans | $17,888,000 | 7,465 |