Home > Western Heritage Bank > Performance and Condition Ratios
Western Heritage Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9673% | 663 |
| Cost of funding earning assets | 1.0860% | 3,102 |
| Net interest margin | 4.8813% | 370 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 3.0488% | 1,046 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.4628% | 1,094 |
| Return on assets (ROA) | 1.4628% | 1,065 |
| Pretax return on assets | 1.8490% | 828 |
| Return on Equity (ROE) | 13.7900% | 1,531 |
| Retained earnings to average equity (ytd only) | 13.7882% | 419 |
| Net charge-offs to loans | -0.0503% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.7695% | 2,994 |
| Assets per employee ($millions) | 5.1890% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 2,450 |
| Loan loss allowance to noncurrent loans | 37,025.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 3,824 |
| Noncurrent loans to loans | 0.0032% | 3,771 |
| Net loans and leases to total assets | 76.4100% | 1,066 |
| Net loans and leases to deposits | 88.9057% | 1,348 |
| Net loans and leases to core deposits | 93.5651% | 1,800 |
| Total domestic deposits to total assets | 85.9500% | 2,036 |
| Equity capital to assets | 11.3320% | 1,361 |
| Core capital (leverage) ratio | 11.9395% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4248% | 1,411 |
| Memoranda: | ||
| Average total assets | $326,227,200 | 2,288 |
| Average earning assets | $306,989,200 | 2,263 |
| Average equity | $34,609,200 | 2,067 |
| Average total loans | $240,486,800 | 2,058 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9520% | 565 |
| Cost of funding earning assets | 0.8622% | 3,369 |
| Net interest margin | 5.0899% | 282 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 3.0763% | 961 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.6034% | 938 |
| Return on assets (ROA) | 1.6034% | 931 |
| Pretax return on assets | 2.0135% | 741 |
| Return on Equity (ROE) | 15.3800% | 1,378 |
| Retained earnings to average equity (ytd only) | 15.3760% | 518 |
| Net charge-offs to loans | -0.0680% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.9604% | 3,091 |
| Assets per employee ($millions) | 5.9468% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 1,989 |
| Loan loss allowance to noncurrent loans | 21,157.1429% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,831 |
| Noncurrent loans to loans | 0.0060% | 3,765 |
| Net loans and leases to total assets | 70.1400% | 1,810 |
| Net loans and leases to deposits | 80.0181% | 2,050 |
| Net loans and leases to core deposits | 85.0633% | 2,254 |
| Total domestic deposits to total assets | 87.6600% | 1,682 |
| Equity capital to assets | 11.0039% | 1,343 |
| Core capital (leverage) ratio | 11.3654% | 1,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9630% | 1,328 |
| Memoranda: | ||
| Average total assets | $326,057,500 | 2,292 |
| Average earning assets | $306,667,250 | 2,265 |
| Average equity | $34,000,250 | 2,083 |
| Average total loans | $237,418,000 | 2,066 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8691% | 521 |
| Cost of funding earning assets | 0.6416% | 3,652 |
| Net interest margin | 5.2275% | 234 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 3.1297% | 866 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.6677% | 836 |
| Return on assets (ROA) | 1.6677% | 841 |
| Pretax return on assets | 2.0730% | 657 |
| Return on Equity (ROE) | 16.2900% | 1,220 |
| Retained earnings to average equity (ytd only) | 16.2944% | 442 |
| Net charge-offs to loans | -0.0151% | 4,047 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.5746% | 3,120 |
| Assets per employee ($millions) | 5.7816% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,317 |
| Loan loss allowance to noncurrent loans | 15,047.3684% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,803 |
| Noncurrent loans to loans | 0.0081% | 3,737 |
| Net loans and leases to total assets | 72.5000% | 1,467 |
| Net loans and leases to deposits | 82.7161% | 1,784 |
| Net loans and leases to core deposits | 87.6013% | 1,957 |
| Total domestic deposits to total assets | 87.6400% | 1,729 |
| Equity capital to assets | 10.9435% | 1,410 |
| Core capital (leverage) ratio | 11.3975% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1775% | 1,824 |
| Memoranda: | ||
| Average total assets | $325,718,000 | 2,297 |
| Average earning assets | $306,111,333 | 2,278 |
| Average equity | $33,336,667 | 2,127 |
| Average total loans | $239,096,667 | 2,059 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8637% | 381 |
| Cost of funding earning assets | 0.4738% | 3,770 |
| Net interest margin | 5.3900% | 174 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.9844% | 1,085 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.8933% | 582 |
| Return on assets (ROA) | 1.8933% | 575 |
| Pretax return on assets | 2.2987% | 490 |
| Return on Equity (ROE) | 19.1400% | 864 |
| Retained earnings to average equity (ytd only) | 19.1379% | 427 |
| Net charge-offs to loans | -0.0116% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.6135% | 3,543 |
| Assets per employee ($millions) | 6.2062% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 2,737 |
| Loan loss allowance to noncurrent loans | 9,187.0968% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 3,781 |
| Noncurrent loans to loans | 0.0127% | 3,725 |
| Net loans and leases to total assets | 72.0500% | 1,422 |
| Net loans and leases to deposits | 87.2644% | 1,275 |
| Net loans and leases to core deposits | 93.1175% | 1,450 |
| Total domestic deposits to total assets | 82.5600% | 3,393 |
| Equity capital to assets | 9.9196% | 1,860 |
| Core capital (leverage) ratio | 11.1262% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9315% | 1,648 |
| Memoranda: | ||
| Average total assets | $329,582,500 | 2,317 |
| Average earning assets | $309,018,000 | 2,292 |
| Average equity | $32,605,500 | 2,178 |
| Average total loans | $241,951,500 | 2,059 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4745% | 756 |
| Cost of funding earning assets | 0.2238% | 3,564 |
| Net interest margin | 4.2507% | 468 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.7048% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2307% | 1,660 |
| Return on assets (ROA) | 1.2307% | 1,611 |
| Pretax return on assets | 1.5915% | 1,185 |
| Return on Equity (ROE) | 12.2300% | 2,064 |
| Retained earnings to average equity (ytd only) | 12.2295% | 625 |
| Net charge-offs to loans | -0.0141% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.5011% | 2,839 |
| Assets per employee ($millions) | 6.1861% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 2,575 |
| Loan loss allowance to noncurrent loans | 7,321.0526% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 3,773 |
| Noncurrent loans to loans | 0.0159% | 3,728 |
| Net loans and leases to total assets | 72.2300% | 1,390 |
| Net loans and leases to deposits | 82.2244% | 1,601 |
| Net loans and leases to core deposits | 88.5611% | 1,578 |
| Total domestic deposits to total assets | 87.8500% | 2,123 |
| Equity capital to assets | 10.9183% | 1,292 |
| Core capital (leverage) ratio | 10.3773% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $321,279,200 | 2,345 |
| Average earning assets | $300,727,600 | 2,328 |
| Average equity | $32,331,600 | 2,226 |
| Average total loans | $233,891,200 | 2,033 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 896 |
| Cost of funding earning assets | 0.1972% | 3,314 |
| Net interest margin | 3.9981% | 639 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.7135% | 1,444 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0266% | 2,383 |
| Return on assets (ROA) | 1.0266% | 2,351 |
| Pretax return on assets | 1.3465% | 1,900 |
| Return on Equity (ROE) | 10.4300% | 2,599 |
| Retained earnings to average equity (ytd only) | 10.4282% | 1,221 |
| Net charge-offs to loans | -0.0143% | 3,858 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.2933% | 2,370 |
| Assets per employee ($millions) | 6.4564% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 2,765 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 70.6900% | 1,419 |
| Net loans and leases to deposits | 79.1063% | 1,625 |
| Net loans and leases to core deposits | 85.3416% | 1,561 |
| Total domestic deposits to total assets | 89.3600% | 1,935 |
| Equity capital to assets | 9.3062% | 2,009 |
| Core capital (leverage) ratio | 9.8075% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $319,633,500 | 2,369 |
| Average earning assets | $298,835,500 | 2,365 |
| Average equity | $31,465,250 | 2,297 |
| Average total loans | $232,463,000 | 2,041 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9924% | 949 |
| Cost of funding earning assets | 0.2124% | 2,747 |
| Net interest margin | 3.7800% | 785 |
| Noninterest income to average assets | 0.3303% | 3,184 |
| Noninterest expense to average assets | 2.6697% | 1,459 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9069% | 2,553 |
| Return on assets (ROA) | 0.9069% | 2,526 |
| Pretax return on assets | 1.1939% | 2,095 |
| Return on Equity (ROE) | 9.0364% | 2,692 |
| Retained earnings to average equity (ytd only) | 9.0364% | 1,278 |
| Net charge-offs to loans | -0.0157% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4518% | 2,317 |
| Assets per employee ($millions) | 6.1660% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 70.3786% | 1,264 |
| Net loans and leases to deposits | 78.9377% | 1,474 |
| Net loans and leases to core deposits | 84.3323% | 1,435 |
| Total domestic deposits to total assets | 89.1572% | 2,108 |
| Equity capital to assets | 9.5450% | 1,980 |
| Core capital (leverage) ratio | 9.8698% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,267,333 | 2,415 |
| Average earning assets | $293,757,667 | 2,414 |
| Average equity | $31,539,000 | 2,343 |
| Average total loans | $229,914,667 | 2,052 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8977% | 928 |
| Cost of funding earning assets | 0.2179% | 2,558 |
| Net interest margin | 3.6798% | 776 |
| Noninterest income to average assets | 0.3403% | 3,056 |
| Noninterest expense to average assets | 2.7740% | 1,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7766% | 2,741 |
| Return on assets (ROA) | 0.7766% | 2,736 |
| Pretax return on assets | 1.0091% | 2,409 |
| Return on Equity (ROE) | 7.5429% | 2,859 |
| Retained earnings to average equity (ytd only) | 7.5429% | 1,721 |
| Net charge-offs to loans | -0.0210% | 3,942 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6100% | 2,028 |
| Assets per employee ($millions) | 5.7338% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 2,696 |
| Loan loss allowance to noncurrent loans | 276,100.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,129 |
| Noncurrent loans to loans | 0.0004% | 4,058 |
| Net loans and leases to total assets | 70.2543% | 995 |
| Net loans and leases to deposits | 81.8896% | 1,021 |
| Net loans and leases to core deposits | 88.9200% | 972 |
| Total domestic deposits to total assets | 85.7915% | 3,323 |
| Equity capital to assets | 9.9927% | 1,894 |
| Core capital (leverage) ratio | 10.0088% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,002,000 | 2,462 |
| Average earning assets | $288,171,500 | 2,454 |
| Average equity | $31,712,000 | 2,403 |
| Average total loans | $228,490,000 | 2,055 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 699 |
| Cost of funding earning assets | 0.2958% | 2,445 |
| Net interest margin | 4.1185% | 572 |
| Noninterest income to average assets | 0.3889% | 3,110 |
| Noninterest expense to average assets | 2.9969% | 986 |
| Loan and lease loss provision to assets | 0.0537% | 1,983 |
| Net operating income to assets | 0.9075% | 3,008 |
| Return on assets (ROA) | 0.9075% | 3,074 |
| Pretax return on assets | 1.1945% | 2,679 |
| Return on Equity (ROE) | 8.3921% | 3,107 |
| Retained earnings to average equity (ytd only) | 5.1866% | 2,716 |
| Net charge-offs to loans | 0.0564% | 1,232 |
| Credit loss provision to net charge-offs | 122.0472% | 1,636 |
| Earnings coverage of net charge-offs (x) | 28.3543% | 1,654 |
| Efficiency ratio | 68.9557% | 1,863 |
| Assets per employee ($millions) | 5.5675% | 3,196 |
| Cash dividends to net income (ytd only)* | 38.1971% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 2,967 |
| Loan loss allowance to noncurrent loans | 91,666.6667% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,201 |
| Noncurrent loans to loans | 0.0013% | 4,125 |
| Net loans and leases to total assets | 76.4742% | 486 |
| Net loans and leases to deposits | 88.9303% | 610 |
| Net loans and leases to core deposits | 95.7480% | 701 |
| Total domestic deposits to total assets | 85.9934% | 2,908 |
| Equity capital to assets | 10.6142% | 2,079 |
| Core capital (leverage) ratio | 10.4970% | 1,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7174% | 2,719 |
| Memoranda: | ||
| Average total assets | $288,494,000 | 2,490 |
| Average earning assets | $270,121,200 | 2,485 |
| Average equity | $31,196,000 | 2,460 |
| Average total loans | $225,171,000 | 2,076 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5219% | 650 |
| Cost of funding earning assets | 0.3216% | 2,391 |
| Net interest margin | 4.2004% | 545 |
| Noninterest income to average assets | 0.3970% | 3,100 |
| Noninterest expense to average assets | 3.0906% | 836 |
| Loan and lease loss provision to assets | 0.0725% | 1,590 |
| Net operating income to assets | 0.9033% | 3,240 |
| Return on assets (ROA) | 0.9033% | 3,315 |
| Pretax return on assets | 1.1691% | 3,022 |
| Return on Equity (ROE) | 8.3134% | 3,311 |
| Retained earnings to average equity (ytd only) | 4.0149% | 3,574 |
| Net charge-offs to loans | -0.0030% | 3,299 |
| Credit loss provision to net charge-offs | -3,100.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7143% | 1,631 |
| Assets per employee ($millions) | 5.0164% | 3,680 |
| Cash dividends to net income (ytd only)* | 51.7063% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,690 |
| Loan loss allowance to noncurrent loans | 57,640.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,278 |
| Noncurrent loans to loans | 0.0022% | 4,208 |
| Net loans and leases to total assets | 79.1345% | 341 |
| Net loans and leases to deposits | 92.8007% | 455 |
| Net loans and leases to core deposits | 99.0007% | 628 |
| Total domestic deposits to total assets | 85.2736% | 3,022 |
| Equity capital to assets | 10.9734% | 2,038 |
| Core capital (leverage) ratio | 10.4992% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1298% | 2,666 |
| Memoranda: | ||
| Average total assets | $285,456,500 | 2,525 |
| Average earning assets | $267,430,500 | 2,521 |
| Average equity | $31,017,250 | 2,497 |
| Average total loans | $223,297,500 | 2,120 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 518 |
| Cost of funding earning assets | 0.3512% | 2,309 |
| Net interest margin | 4.3704% | 434 |
| Noninterest income to average assets | 0.4052% | 3,085 |
| Noninterest expense to average assets | 3.1090% | 830 |
| Loan and lease loss provision to assets | 0.1087% | 1,159 |
| Net operating income to assets | 1.0046% | 2,871 |
| Return on assets (ROA) | 1.0046% | 2,953 |
| Pretax return on assets | 1.2878% | 2,667 |
| Return on Equity (ROE) | 9.2759% | 3,020 |
| Retained earnings to average equity (ytd only) | 2.8028% | 3,907 |
| Net charge-offs to loans | -0.0027% | 3,264 |
| Credit loss provision to net charge-offs | -5,166.6667% | 3,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4498% | 1,943 |
| Assets per employee ($millions) | 4.8299% | 3,807 |
| Cash dividends to net income (ytd only)* | 69.7837% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 2,842 |
| Loan loss allowance to noncurrent loans | 41,142.8571% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,314 |
| Noncurrent loans to loans | 0.0030% | 4,252 |
| Net loans and leases to total assets | 83.5387% | 151 |
| Net loans and leases to deposits | 98.0119% | 313 |
| Net loans and leases to core deposits | 106.5800% | 456 |
| Total domestic deposits to total assets | 85.2332% | 3,004 |
| Equity capital to assets | 11.0454% | 1,947 |
| Core capital (leverage) ratio | 10.0164% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7457% | 2,791 |
| Memoranda: | ||
| Average total assets | $285,296,667 | 2,521 |
| Average earning assets | $267,665,333 | 2,519 |
| Average equity | $30,897,333 | 2,494 |
| Average total loans | $221,344,667 | 2,142 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6443% | 610 |
| Cost of funding earning assets | 0.3688% | 2,364 |
| Net interest margin | 4.2756% | 538 |
| Noninterest income to average assets | 0.4405% | 2,870 |
| Noninterest expense to average assets | 3.1194% | 816 |
| Loan and lease loss provision to assets | 0.1459% | 905 |
| Net operating income to assets | 0.9476% | 2,976 |
| Return on assets (ROA) | 0.9476% | 3,067 |
| Pretax return on assets | 1.1866% | 2,883 |
| Return on Equity (ROE) | 8.8356% | 3,089 |
| Retained earnings to average equity (ytd only) | 8.8356% | 2,008 |
| Net charge-offs to loans | -0.0037% | 3,293 |
| Credit loss provision to net charge-offs | -5,250.0000% | 3,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5081% | 1,872 |
| Assets per employee ($millions) | 4.9347% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 2,447 |
| Loan loss allowance to noncurrent loans | 134.1556% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.7120% | 1,302 |
| Noncurrent loans to loans | 0.9676% | 1,397 |
| Net loans and leases to total assets | 72.6222% | 939 |
| Net loans and leases to deposits | 84.4601% | 1,099 |
| Net loans and leases to core deposits | 92.6715% | 1,068 |
| Total domestic deposits to total assets | 85.9840% | 2,741 |
| Equity capital to assets | 10.4957% | 2,276 |
| Core capital (leverage) ratio | 10.4329% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8890% | 2,327 |
| Memoranda: | ||
| Average total assets | $287,877,500 | 2,500 |
| Average earning assets | $270,092,500 | 2,492 |
| Average equity | $30,875,000 | 2,491 |
| Average total loans | $213,566,500 | 2,192 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9058% | 590 |
| Cost of funding earning assets | 0.5424% | 2,659 |
| Net interest margin | 4.3634% | 442 |
| Noninterest income to average assets | 0.4626% | 2,806 |
| Noninterest expense to average assets | 3.2560% | 962 |
| Loan and lease loss provision to assets | 0.5848% | 356 |
| Net operating income to assets | 0.5467% | 3,913 |
| Return on assets (ROA) | 0.5467% | 4,010 |
| Pretax return on assets | 0.7040% | 3,874 |
| Return on Equity (ROE) | 4.9032% | 3,931 |
| Retained earnings to average equity (ytd only) | 4.9032% | 2,314 |
| Net charge-offs to loans | 0.0811% | 1,666 |
| Credit loss provision to net charge-offs | 942.7711% | 812 |
| Earnings coverage of net charge-offs (x) | 20.7771% | 1,925 |
| Efficiency ratio | 71.6412% | 1,732 |
| Assets per employee ($millions) | 4.5108% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 2,407 |
| Loan loss allowance to noncurrent loans | 128.5782% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 1,357 |
| Noncurrent loans to loans | 1.0115% | 1,405 |
| Net loans and leases to total assets | 73.8583% | 1,042 |
| Net loans and leases to deposits | 88.4258% | 1,045 |
| Net loans and leases to core deposits | 97.8967% | 1,013 |
| Total domestic deposits to total assets | 83.5257% | 3,258 |
| Equity capital to assets | 10.9678% | 2,278 |
| Core capital (leverage) ratio | 10.3981% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2488% | 2,145 |
| Memoranda: | ||
| Average total assets | $267,599,200 | 2,476 |
| Average earning assets | $250,356,800 | 2,468 |
| Average equity | $29,837,800 | 2,484 |
| Average total loans | $204,606,400 | 2,198 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2341% | 387 |
| Cost of funding earning assets | 0.5776% | 2,752 |
| Net interest margin | 4.6566% | 284 |
| Noninterest income to average assets | 0.4681% | 2,754 |
| Noninterest expense to average assets | 3.3673% | 830 |
| Loan and lease loss provision to assets | 0.7888% | 231 |
| Net operating income to assets | 0.5397% | 3,926 |
| Return on assets (ROA) | 0.5397% | 4,023 |
| Pretax return on assets | 0.6637% | 3,977 |
| Return on Equity (ROE) | 4.8195% | 3,939 |
| Retained earnings to average equity (ytd only) | 4.8195% | 2,641 |
| Net charge-offs to loans | 0.0937% | 1,369 |
| Credit loss provision to net charge-offs | 1,094.4056% | 786 |
| Earnings coverage of net charge-offs (x) | 20.1538% | 1,910 |
| Efficiency ratio | 69.8662% | 1,903 |
| Assets per employee ($millions) | 4.5156% | 3,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,519 |
| Loan loss allowance to noncurrent loans | 7,842.8571% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 4,434 |
| Noncurrent loans to loans | 0.0157% | 4,374 |
| Net loans and leases to total assets | 77.6194% | 878 |
| Net loans and leases to deposits | 94.4275% | 894 |
| Net loans and leases to core deposits | 104.6790% | 896 |
| Total domestic deposits to total assets | 82.2000% | 3,366 |
| Equity capital to assets | 10.6414% | 2,678 |
| Core capital (leverage) ratio | 9.9316% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6751% | 1,939 |
| Memoranda: | ||
| Average total assets | $264,581,000 | 2,476 |
| Average earning assets | $247,243,000 | 2,473 |
| Average equity | $29,628,750 | 2,493 |
| Average total loans | $203,437,250 | 2,206 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8499% | 176 |
| Cost of funding earning assets | 0.6266% | 2,828 |
| Net interest margin | 5.2233% | 135 |
| Noninterest income to average assets | 0.4660% | 2,734 |
| Noninterest expense to average assets | 3.4457% | 797 |
| Loan and lease loss provision to assets | 1.1940% | 140 |
| Net operating income to assets | 0.6288% | 3,643 |
| Return on assets (ROA) | 0.6288% | 3,725 |
| Pretax return on assets | 0.7319% | 3,793 |
| Return on Equity (ROE) | 5.5144% | 3,670 |
| Retained earnings to average equity (ytd only) | 5.5144% | 2,271 |
| Net charge-offs to loans | 0.0905% | 1,346 |
| Credit loss provision to net charge-offs | 1,730.3371% | 548 |
| Earnings coverage of net charge-offs (x) | 27.9101% | 1,478 |
| Efficiency ratio | 64.1455% | 2,806 |
| Assets per employee ($millions) | 4.4496% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 2,360 |
| Loan loss allowance to noncurrent loans | 1,058.7786% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 4,075 |
| Noncurrent loans to loans | 0.1160% | 3,986 |
| Net loans and leases to total assets | 77.1127% | 981 |
| Net loans and leases to deposits | 93.2372% | 1,027 |
| Net loans and leases to core deposits | 103.9084% | 1,010 |
| Total domestic deposits to total assets | 82.7060% | 3,178 |
| Equity capital to assets | 10.3440% | 2,890 |
| Core capital (leverage) ratio | 10.2126% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4165% | 2,027 |
| Memoranda: | ||
| Average total assets | $257,947,000 | 2,489 |
| Average earning assets | $242,262,000 | 2,478 |
| Average equity | $29,414,000 | 2,498 |
| Average total loans | $196,730,000 | 2,240 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 922 |
| Cost of funding earning assets | 0.7552% | 2,639 |
| Net interest margin | 4.2666% | 815 |
| Noninterest income to average assets | 0.5117% | 2,498 |
| Noninterest expense to average assets | 3.6334% | 775 |
| Loan and lease loss provision to assets | 0.1486% | 1,906 |
| Net operating income to assets | 0.5695% | 3,685 |
| Return on assets (ROA) | 0.5695% | 3,751 |
| Pretax return on assets | 0.7495% | 3,548 |
| Return on Equity (ROE) | 4.7321% | 3,731 |
| Retained earnings to average equity (ytd only) | 4.7321% | 2,402 |
| Net charge-offs to loans | 0.1449% | 874 |
| Credit loss provision to net charge-offs | 136.3636% | 1,633 |
| Earnings coverage of net charge-offs (x) | 8.2424% | 1,875 |
| Efficiency ratio | 80.1821% | 1,122 |
| Assets per employee ($millions) | 3.7064% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7213% | 4,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.8936% | 1,153 |
| Net loans and leases to deposits | 92.2169% | 1,257 |
| Net loans and leases to core deposits | 104.3210% | 1,166 |
| Total domestic deposits to total assets | 83.3834% | 2,987 |
| Equity capital to assets | 12.1727% | 1,941 |
| Core capital (leverage) ratio | 11.5774% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3606% | 2,544 |
| Memoranda: | ||
| Average total assets | $242,309,500 | 2,535 |
| Average earning assets | $228,284,500 | 2,510 |
| Average equity | $29,162,500 | 2,505 |
| Average total loans | $182,194,500 | 2,338 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2612% | 888 |
| Cost of funding earning assets | 0.8228% | 2,573 |
| Net interest margin | 4.4384% | 825 |
| Noninterest income to average assets | 0.7066% | 1,793 |
| Noninterest expense to average assets | 3.6807% | 777 |
| Loan and lease loss provision to assets | 0.1370% | 1,555 |
| Net operating income to assets | 0.8005% | 3,553 |
| Return on assets (ROA) | 0.8005% | 3,641 |
| Pretax return on assets | 1.0568% | 3,310 |
| Return on Equity (ROE) | 6.5959% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.5959% | 1,567 |
| Net charge-offs to loans | 0.0646% | 2,171 |
| Credit loss provision to net charge-offs | 294.3925% | 955 |
| Earnings coverage of net charge-offs (x) | 25.6449% | 1,725 |
| Efficiency ratio | 75.5087% | 1,418 |
| Assets per employee ($millions) | 3.9307% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 4,475 |
| Loan loss allowance to noncurrent loans | 406.7692% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 3,970 |
| Noncurrent loans to loans | 0.1828% | 3,798 |
| Net loans and leases to total assets | 72.4127% | 2,022 |
| Net loans and leases to deposits | 86.5912% | 2,021 |
| Net loans and leases to core deposits | 98.1092% | 1,717 |
| Total domestic deposits to total assets | 83.6260% | 2,986 |
| Equity capital to assets | 11.8993% | 2,201 |
| Core capital (leverage) ratio | 11.1317% | 2,389 |
| Tier 1 risk-based capital ratio | 13.9216% | 3,307 |
| Total risk-based capital ratio | 14.5939% | 3,496 |
| Memoranda: | ||
| Average total assets | $229,845,600 | 2,577 |
| Average earning assets | $215,844,400 | 2,562 |
| Average equity | $27,896,200 | 2,502 |
| Average total loans | $165,602,400 | 2,458 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1949% | 1,052 |
| Cost of funding earning assets | 0.8331% | 2,548 |
| Net interest margin | 4.3618% | 1,030 |
| Noninterest income to average assets | 0.7073% | 1,749 |
| Noninterest expense to average assets | 3.6710% | 776 |
| Loan and lease loss provision to assets | 0.1384% | 1,397 |
| Net operating income to assets | 0.7586% | 3,820 |
| Return on assets (ROA) | 0.7586% | 3,885 |
| Pretax return on assets | 0.9900% | 3,623 |
| Return on Equity (ROE) | 6.2174% | 3,978 |
| Retained earnings to average equity (ytd only) | 6.2174% | 2,277 |
| Net charge-offs to loans | 0.0500% | 2,115 |
| Credit loss provision to net charge-offs | 385.2459% | 788 |
| Earnings coverage of net charge-offs (x) | 31.4103% | 1,584 |
| Efficiency ratio | 76.4879% | 1,272 |
| Assets per employee ($millions) | 3.6890% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6977% | 4,665 |
| Loan loss allowance to noncurrent loans | 339.2105% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 3,997 |
| Noncurrent loans to loans | 0.2057% | 3,801 |
| Net loans and leases to total assets | 72.0733% | 2,166 |
| Net loans and leases to deposits | 85.2260% | 2,294 |
| Net loans and leases to core deposits | 95.2206% | 2,064 |
| Total domestic deposits to total assets | 84.5673% | 2,599 |
| Equity capital to assets | 11.1645% | 2,954 |
| Core capital (leverage) ratio | 11.2652% | 2,411 |
| Tier 1 risk-based capital ratio | 12.9605% | 3,870 |
| Total risk-based capital ratio | 13.5842% | 4,116 |
| Memoranda: | ||
| Average total assets | $226,381,250 | 2,630 |
| Average earning assets | $212,382,500 | 2,613 |
| Average equity | $27,620,500 | 2,533 |
| Average total loans | $162,554,500 | 2,508 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2427% | 908 |
| Cost of funding earning assets | 0.8436% | 2,429 |
| Net interest margin | 4.3992% | 943 |
| Noninterest income to average assets | 0.6802% | 1,797 |
| Noninterest expense to average assets | 3.7448% | 709 |
| Loan and lease loss provision to assets | 0.1843% | 964 |
| Net operating income to assets | 0.7705% | 3,749 |
| Return on assets (ROA) | 0.7705% | 3,818 |
| Pretax return on assets | 0.8655% | 3,942 |
| Return on Equity (ROE) | 6.1123% | 4,014 |
| Retained earnings to average equity (ytd only) | 6.1123% | 2,230 |
| Net charge-offs to loans | 0.0567% | 1,831 |
| Credit loss provision to net charge-offs | 454.5455% | 645 |
| Earnings coverage of net charge-offs (x) | 25.8864% | 1,581 |
| Efficiency ratio | 78.1046% | 1,133 |
| Assets per employee ($millions) | 3.2987% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7695% | 4,546 |
| Loan loss allowance to noncurrent loans | 309.2457% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 3,844 |
| Noncurrent loans to loans | 0.2488% | 3,644 |
| Net loans and leases to total assets | 73.0669% | 2,046 |
| Net loans and leases to deposits | 88.2229% | 1,975 |
| Net loans and leases to core deposits | 96.2894% | 2,036 |
| Total domestic deposits to total assets | 82.8207% | 3,263 |
| Equity capital to assets | 12.4475% | 1,889 |
| Core capital (leverage) ratio | 12.2130% | 1,693 |
| Tier 1 risk-based capital ratio | 13.9294% | 3,358 |
| Total risk-based capital ratio | 14.6030% | 3,556 |
| Memoranda: | ||
| Average total assets | $216,995,670 | 2,718 |
| Average earning assets | $202,947,330 | 2,709 |
| Average equity | $27,354,670 | 2,543 |
| Average total loans | $155,158,330 | 2,608 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1846% | 937 |
| Cost of funding earning assets | 0.8193% | 2,429 |
| Net interest margin | 4.3653% | 976 |
| Noninterest income to average assets | 0.6956% | 1,629 |
| Noninterest expense to average assets | 3.9112% | 594 |
| Loan and lease loss provision to assets | 0.1687% | 991 |
| Net operating income to assets | 0.4800% | 4,569 |
| Return on assets (ROA) | 0.4800% | 4,593 |
| Pretax return on assets | 0.6919% | 4,320 |
| Return on Equity (ROE) | 3.7826% | 4,618 |
| Retained earnings to average equity (ytd only) | 3.7826% | 3,410 |
| Net charge-offs to loans | 0.0346% | 1,777 |
| Credit loss provision to net charge-offs | 692.3077% | 488 |
| Earnings coverage of net charge-offs (x) | 35.3077% | 1,235 |
| Efficiency ratio | 81.9646% | 878 |
| Assets per employee ($millions) | 3.4477% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7688% | 4,611 |
| Loan loss allowance to noncurrent loans | 284.4869% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 3,869 |
| Noncurrent loans to loans | 0.2702% | 3,595 |
| Net loans and leases to total assets | 69.7253% | 2,527 |
| Net loans and leases to deposits | 84.2461% | 2,359 |
| Net loans and leases to core deposits | 92.8306% | 2,227 |
| Total domestic deposits to total assets | 82.7639% | 3,479 |
| Equity capital to assets | 12.3452% | 1,822 |
| Core capital (leverage) ratio | 12.2572% | 1,629 |
| Tier 1 risk-based capital ratio | 14.1599% | 3,267 |
| Total risk-based capital ratio | 14.8179% | 3,485 |
| Memoranda: | ||
| Average total assets | $213,338,000 | 2,778 |
| Average earning assets | $199,206,000 | 2,773 |
| Average equity | $27,071,500 | 2,566 |
| Average total loans | $150,153,500 | 2,686 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 1,197 |
| Cost of funding earning assets | 0.7178% | 1,982 |
| Net interest margin | 4.2153% | 1,359 |
| Noninterest income to average assets | 0.3639% | 3,659 |
| Noninterest expense to average assets | 3.7804% | 705 |
| Loan and lease loss provision to assets | 0.2633% | 645 |
| Net operating income to assets | 0.2442% | 5,066 |
| Return on assets (ROA) | 0.2442% | 5,063 |
| Pretax return on assets | 0.2210% | 5,102 |
| Return on Equity (ROE) | 1.8404% | 5,066 |
| Retained earnings to average equity (ytd only) | 1.8404% | 4,412 |
| Net charge-offs to loans | 0.0907% | 1,867 |
| Credit loss provision to net charge-offs | 437.5000% | 774 |
| Earnings coverage of net charge-offs (x) | 8.0481% | 2,929 |
| Efficiency ratio | 88.6447% | 402 |
| Assets per employee ($millions) | 3.2202% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 4,632 |
| Loan loss allowance to noncurrent loans | 644.5087% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 4,395 |
| Noncurrent loans to loans | 0.1191% | 4,192 |
| Net loans and leases to total assets | 69.9443% | 2,565 |
| Net loans and leases to deposits | 85.7377% | 2,305 |
| Net loans and leases to core deposits | 93.1472% | 2,302 |
| Total domestic deposits to total assets | 81.5795% | 3,767 |
| Equity capital to assets | 13.0869% | 1,300 |
| Core capital (leverage) ratio | 12.6277% | 1,400 |
| Tier 1 risk-based capital ratio | 15.9073% | 2,440 |
| Total risk-based capital ratio | 16.6052% | 2,598 |
| Memoranda: | ||
| Average total assets | $172,837,400 | 3,140 |
| Average earning assets | $159,940,800 | 3,139 |
| Average equity | $22,930,400 | 2,827 |
| Average total loans | $114,651,600 | 3,065 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7702% | 1,493 |
| Cost of funding earning assets | 0.6868% | 1,930 |
| Net interest margin | 4.0833% | 1,681 |
| Noninterest income to average assets | 0.2366% | 4,557 |
| Noninterest expense to average assets | 3.6857% | 769 |
| Loan and lease loss provision to assets | 0.3687% | 359 |
| Net operating income to assets | 0.0259% | 5,289 |
| Return on assets (ROA) | 0.0259% | 5,287 |
| Pretax return on assets | -0.0454% | 5,311 |
| Return on Equity (ROE) | 0.1947% | 5,287 |
| Retained earnings to average equity (ytd only) | 0.1947% | 5,004 |
| Net charge-offs to loans | 0.1333% | 1,209 |
| Credit loss provision to net charge-offs | 425.2336% | 788 |
| Earnings coverage of net charge-offs (x) | 3.7291% | 3,133 |
| Efficiency ratio | 91.9345% | 279 |
| Assets per employee ($millions) | 3.2535% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,504 |
| Loan loss allowance to noncurrent loans | 4,448.0000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 4,512 |
| Noncurrent loans to loans | 0.0188% | 4,829 |
| Net loans and leases to total assets | 65.3787% | 3,263 |
| Net loans and leases to deposits | 80.6549% | 2,968 |
| Net loans and leases to core deposits | 87.0689% | 2,915 |
| Total domestic deposits to total assets | 81.0598% | 3,851 |
| Equity capital to assets | 13.1394% | 1,277 |
| Core capital (leverage) ratio | 12.7774% | 1,379 |
| Tier 1 risk-based capital ratio | 16.8581% | 2,153 |
| Total risk-based capital ratio | 17.6087% | 2,259 |
| Memoranda: | ||
| Average total assets | $164,524,000 | 3,252 |
| Average earning assets | $151,996,750 | 3,249 |
| Average equity | $21,920,250 | 2,921 |
| Average total loans | $106,998,500 | 3,212 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5638% | 1,889 |
| Cost of funding earning assets | 0.6715% | 1,804 |
| Net interest margin | 3.8923% | 2,226 |
| Noninterest income to average assets | 0.0749% | 5,338 |
| Noninterest expense to average assets | 3.3262% | 1,259 |
| Loan and lease loss provision to assets | 0.1249% | 1,583 |
| Net operating income to assets | 0.1683% | 5,252 |
| Return on assets (ROA) | 0.1683% | 5,243 |
| Pretax return on assets | 0.2130% | 5,229 |
| Return on Equity (ROE) | 1.2554% | 5,247 |
| Retained earnings to average equity (ytd only) | 1.2554% | 4,702 |
| Net charge-offs to loans | 0.0630% | 1,715 |
| Credit loss provision to net charge-offs | 306.4516% | 985 |
| Earnings coverage of net charge-offs (x) | 8.2903% | 2,487 |
| Efficiency ratio | 90.7786% | 342 |
| Assets per employee ($millions) | 3.2398% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7108% | 4,924 |
| Loan loss allowance to noncurrent loans | 2,855.1724% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 4,428 |
| Noncurrent loans to loans | 0.0249% | 4,818 |
| Net loans and leases to total assets | 60.5056% | 3,760 |
| Net loans and leases to deposits | 75.1234% | 3,431 |
| Net loans and leases to core deposits | 80.2039% | 3,402 |
| Total domestic deposits to total assets | 80.5416% | 4,121 |
| Equity capital to assets | 13.9919% | 930 |
| Core capital (leverage) ratio | 15.5801% | 557 |
| Tier 1 risk-based capital ratio | 18.6245% | 1,646 |
| Total risk-based capital ratio | 19.2396% | 1,772 |
| Memoranda: | ||
| Average total assets | $152,127,330 | 3,404 |
| Average earning assets | $140,276,670 | 3,409 |
| Average equity | $20,392,330 | 3,093 |
| Average total loans | $98,334,670 | 3,364 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 1,638 |
| Cost of funding earning assets | 0.6314% | 1,834 |
| Net interest margin | 3.9457% | 1,880 |
| Noninterest income to average assets | 0.0633% | 5,443 |
| Noninterest expense to average assets | 3.4596% | 1,064 |
| Loan and lease loss provision to assets | 0.0905% | 1,994 |
| Net operating income to assets | 0.1206% | 5,316 |
| Return on assets (ROA) | 0.1206% | 5,312 |
| Pretax return on assets | 0.1508% | 5,302 |
| Return on Equity (ROE) | 0.9294% | 5,317 |
| Retained earnings to average equity (ytd only) | 0.9294% | 4,648 |
| Net charge-offs to loans | 0.1479% | 940 |
| Credit loss provision to net charge-offs | 90.9091% | 1,665 |
| Earnings coverage of net charge-offs (x) | 2.4242% | 2,463 |
| Efficiency ratio | 93.4800% | 317 |
| Assets per employee ($millions) | 5.0159% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 4,707 |
| Loan loss allowance to noncurrent loans | 2,056.7568% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 4,333 |
| Noncurrent loans to loans | 0.0403% | 4,790 |
| Net loans and leases to total assets | 60.4686% | 3,706 |
| Net loans and leases to deposits | 71.7054% | 3,642 |
| Net loans and leases to core deposits | 83.2064% | 3,039 |
| Total domestic deposits to total assets | 84.3293% | 3,180 |
| Equity capital to assets | 11.4110% | 2,206 |
| Core capital (leverage) ratio | 13.1205% | 1,131 |
| Tier 1 risk-based capital ratio | 15.7459% | 2,572 |
| Total risk-based capital ratio | 16.4562% | 2,721 |
| Memoranda: | ||
| Average total assets | $132,618,000 | 3,702 |
| Average earning assets | $122,259,000 | 3,707 |
| Average equity | $17,216,000 | 3,443 |
| Average total loans | $89,261,000 | 3,564 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 3,609 |
| Cost of funding earning assets | 0.6695% | 1,186 |
| Net interest margin | 3.2710% | 4,246 |
| Noninterest income to average assets | 0.6076% | 2,413 |
| Noninterest expense to average assets | 3.2722% | 1,429 |
| Loan and lease loss provision to assets | 0.0479% | 3,268 |
| Net operating income to assets | 0.1362% | 5,210 |
| Return on assets (ROA) | 0.1362% | 5,220 |
| Pretax return on assets | 0.2458% | 5,268 |
| Return on Equity (ROE) | 0.9112% | 5,242 |
| Retained earnings to average equity (ytd only) | 0.9112% | 4,657 |
| Net charge-offs to loans | 0.1862% | 1,355 |
| Credit loss provision to net charge-offs | 44.5545% | 3,392 |
| Earnings coverage of net charge-offs (x) | 2.7327% | 3,714 |
| Efficiency ratio | 91.7637% | 355 |
| Assets per employee ($millions) | 3.9572% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 4,556 |
| Loan loss allowance to noncurrent loans | 2,010.5263% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 4,151 |
| Noncurrent loans to loans | 0.0438% | 4,803 |
| Net loans and leases to total assets | 74.9447% | 1,760 |
| Net loans and leases to deposits | 90.1425% | 1,758 |
| Net loans and leases to core deposits | 108.6979% | 1,081 |
| Total domestic deposits to total assets | 83.1402% | 3,514 |
| Equity capital to assets | 15.0412% | 667 |
| Core capital (leverage) ratio | 14.5913% | 710 |
| Tier 1 risk-based capital ratio | 16.4466% | 2,287 |
| Total risk-based capital ratio | 17.2171% | 2,382 |
| Memoranda: | ||
| Average total assets | $93,974,800 | 4,345 |
| Average earning assets | $84,989,400 | 4,380 |
| Average equity | $14,047,800 | 3,839 |
| Average total loans | $54,242,800 | 4,355 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5410% | 4,714 |
| Cost of funding earning assets | 0.6689% | 1,129 |
| Net interest margin | 2.8721% | 5,128 |
| Noninterest income to average assets | 0.8110% | 1,545 |
| Noninterest expense to average assets | 3.0817% | 1,851 |
| Loan and lease loss provision to assets | 0.0150% | 3,843 |
| Net operating income to assets | 0.1307% | 5,417 |
| Return on assets (ROA) | 0.1307% | 5,424 |
| Pretax return on assets | 0.3064% | 5,306 |
| Return on Equity (ROE) | 0.8758% | 5,446 |
| Retained earnings to average equity (ytd only) | 0.8758% | 5,012 |
| Net charge-offs to loans | 0.2140% | 1,011 |
| Credit loss provision to net charge-offs | 13.5135% | 3,200 |
| Earnings coverage of net charge-offs (x) | 2.8921% | 3,411 |
| Efficiency ratio | 90.5560% | 392 |
| Assets per employee ($millions) | 4.0033% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 3,368 |
| Loan loss allowance to noncurrent loans | 1,442.3077% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 4,221 |
| Noncurrent loans to loans | 0.0778% | 4,766 |
| Net loans and leases to total assets | 58.9462% | 3,970 |
| Net loans and leases to deposits | 71.2327% | 3,851 |
| Net loans and leases to core deposits | 85.9991% | 2,967 |
| Total domestic deposits to total assets | 82.7517% | 3,537 |
| Equity capital to assets | 15.4453% | 642 |
| Core capital (leverage) ratio | 18.3126% | 286 |
| Tier 1 risk-based capital ratio | 19.7036% | 1,436 |
| Total risk-based capital ratio | 20.6190% | 1,461 |
| Memoranda: | ||
| Average total assets | $88,779,000 | 4,490 |
| Average earning assets | $80,126,500 | 4,506 |
| Average equity | $13,244,500 | 3,992 |
| Average total loans | $46,111,250 | 4,607 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6352% | 4,414 |
| Cost of funding earning assets | 0.7418% | 716 |
| Net interest margin | 2.8934% | 5,108 |
| Noninterest income to average assets | 0.1531% | 5,293 |
| Noninterest expense to average assets | 2.9528% | 2,258 |
| Loan and lease loss provision to assets | 0.0247% | 3,507 |
| Net operating income to assets | -0.2148% | 5,625 |
| Return on assets (ROA) | -0.2148% | 5,624 |
| Pretax return on assets | -0.2148% | 5,611 |
| Return on Equity (ROE) | -1.4636% | 5,604 |
| Retained earnings to average equity (ytd only) | -1.4636% | 5,287 |
| Net charge-offs to loans | 0.1020% | 1,601 |
| Credit loss provision to net charge-offs | 50.0000% | 2,561 |
| Earnings coverage of net charge-offs (x) | -3.8500% | 3,455 |
| Efficiency ratio | 106.8811% | 125 |
| Assets per employee ($millions) | 4.3912% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 4,248 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 48.9662% | 4,767 |
| Net loans and leases to deposits | 62.3649% | 4,480 |
| Net loans and leases to core deposits | 79.1529% | 3,494 |
| Total domestic deposits to total assets | 78.5157% | 4,726 |
| Equity capital to assets | 20.5470% | 203 |
| Core capital (leverage) ratio | 20.9489% | 171 |
| Tier 1 risk-based capital ratio | 30.2350% | 455 |
| Total risk-based capital ratio | 31.4917% | 454 |
| Memoranda: | ||
| Average total assets | $81,008,000 | 4,644 |
| Average earning assets | $73,063,670 | 4,673 |
| Average equity | $11,888,330 | 4,208 |
| Average total loans | $39,207,000 | 4,839 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4451% | 4,842 |
| Cost of funding earning assets | 0.8027% | 478 |
| Net interest margin | 2.6423% | 5,440 |
| Noninterest income to average assets | 0.1504% | 5,362 |
| Noninterest expense to average assets | 2.9225% | 2,389 |
| Loan and lease loss provision to assets | 0.0501% | 2,803 |
| Net operating income to assets | -0.4461% | 5,729 |
| Return on assets (ROA) | -0.4461% | 5,726 |
| Pretax return on assets | -0.4461% | 5,718 |
| Return on Equity (ROE) | -3.8441% | 5,724 |
| Retained earnings to average equity (ytd only) | -3.8441% | 5,319 |
| Net charge-offs to loans | 0.0421% | 1,984 |
| Credit loss provision to net charge-offs | 250.0000% | 880 |
| Earnings coverage of net charge-offs (x) | -19.7500% | 2,928 |
| Efficiency ratio | 115.6746% | 86 |
| Assets per employee ($millions) | 4.2278% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0879% | 569 |
| Loan loss allowance to noncurrent loans | 16,400.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 4,194 |
| Noncurrent loans to loans | 0.0127% | 5,192 |
| Net loans and leases to total assets | 50.5296% | 4,630 |
| Net loans and leases to deposits | 58.1599% | 4,684 |
| Net loans and leases to core deposits | 74.7212% | 3,766 |
| Total domestic deposits to total assets | 86.8804% | 2,275 |
| Equity capital to assets | 12.1314% | 1,751 |
| Core capital (leverage) ratio | 11.4509% | 1,983 |
| Tier 1 risk-based capital ratio | 17.1360% | 2,135 |
| Total risk-based capital ratio | 18.3960% | 2,088 |
| Memoranda: | ||
| Average total assets | $79,795,500 | 4,716 |
| Average earning assets | $71,755,000 | 4,752 |
| Average equity | $9,261,000 | 4,665 |
| Average total loans | $37,981,500 | 4,919 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6460% | 4,382 |
| Cost of funding earning assets | 0.9099% | 278 |
| Net interest margin | 2.7361% | 5,373 |
| Noninterest income to average assets | 0.0841% | 5,684 |
| Noninterest expense to average assets | 2.9544% | 2,482 |
| Loan and lease loss provision to assets | 0.0636% | 3,103 |
| Net operating income to assets | -0.4646% | 5,778 |
| Return on assets (ROA) | -0.4646% | 5,788 |
| Pretax return on assets | -0.4646% | 5,772 |
| Return on Equity (ROE) | -4.2405% | 5,777 |
| Retained earnings to average equity (ytd only) | -4.2405% | 5,645 |
| Net charge-offs to loans | 0.1689% | 1,609 |
| Credit loss provision to net charge-offs | 70.8861% | 3,121 |
| Earnings coverage of net charge-offs (x) | -4.4684% | 4,215 |
| Efficiency ratio | 115.7028% | 97 |
| Assets per employee ($millions) | 4.6384% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2186% | 449 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 4,406 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 42.9699% | 5,182 |
| Net loans and leases to deposits | 49.0016% | 5,250 |
| Net loans and leases to core deposits | 58.6602% | 4,923 |
| Total domestic deposits to total assets | 87.6909% | 1,796 |
| Equity capital to assets | 11.1269% | 2,507 |
| Core capital (leverage) ratio | 10.2343% | 3,188 |
| Tier 1 risk-based capital ratio | 16.6461% | 2,293 |
| Total risk-based capital ratio | 17.9075% | 2,232 |
| Memoranda: | ||
| Average total assets | $88,038,600 | 4,581 |
| Average earning assets | $79,456,600 | 4,598 |
| Average equity | $9,645,200 | 4,643 |
| Average total loans | $46,786,400 | 4,672 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6823% | 4,311 |
| Cost of funding earning assets | 0.9048% | 286 |
| Net interest margin | 2.7774% | 5,392 |
| Noninterest income to average assets | 0.1331% | 5,588 |
| Noninterest expense to average assets | 2.8542% | 2,813 |
| Loan and lease loss provision to assets | 0.0837% | 2,540 |
| Net operating income to assets | -0.3394% | 5,834 |
| Return on assets (ROA) | -0.3394% | 5,840 |
| Pretax return on assets | -0.2990% | 5,815 |
| Return on Equity (ROE) | -3.1031% | 5,839 |
| Retained earnings to average equity (ytd only) | -3.1031% | 5,658 |
| Net charge-offs to loans | 0.2271% | 1,033 |
| Credit loss provision to net charge-offs | 66.6667% | 2,837 |
| Earnings coverage of net charge-offs (x) | -1.7143% | 3,867 |
| Efficiency ratio | 108.1586% | 135 |
| Assets per employee ($millions) | 5.5324% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0266% | 692 |
| Loan loss allowance to noncurrent loans | 196.3592% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7479% | 2,690 |
| Noncurrent loans to loans | 1.0321% | 2,177 |
| Net loans and leases to total assets | 44.1826% | 5,179 |
| Net loans and leases to deposits | 50.1816% | 5,292 |
| Net loans and leases to core deposits | 59.3502% | 4,974 |
| Total domestic deposits to total assets | 88.0455% | 1,381 |
| Equity capital to assets | 10.9039% | 3,123 |
| Core capital (leverage) ratio | 10.4931% | 3,004 |
| Tier 1 risk-based capital ratio | 16.8445% | 2,281 |
| Total risk-based capital ratio | 18.1057% | 2,233 |
| Memoranda: | ||
| Average total assets | $89,175,500 | 4,598 |
| Average earning assets | $80,455,500 | 4,617 |
| Average equity | $9,753,500 | 4,663 |
| Average total loans | $49,310,500 | 4,638 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7326% | 4,181 |
| Cost of funding earning assets | 0.9021% | 288 |
| Net interest margin | 2.8305% | 5,382 |
| Noninterest income to average assets | 0.1476% | 5,565 |
| Noninterest expense to average assets | 2.9237% | 2,599 |
| Loan and lease loss provision to assets | 0.0917% | 2,315 |
| Net operating income to assets | -0.2930% | 5,876 |
| Return on assets (ROA) | -0.2930% | 5,890 |
| Pretax return on assets | -0.3199% | 5,887 |
| Return on Equity (ROE) | -2.6727% | 5,885 |
| Retained earnings to average equity (ytd only) | -2.6727% | 5,592 |
| Net charge-offs to loans | 0.3204% | 738 |
| Credit loss provision to net charge-offs | 48.8095% | 2,682 |
| Earnings coverage of net charge-offs (x) | -1.2143% | 3,592 |
| Efficiency ratio | 108.4647% | 152 |
| Assets per employee ($millions) | 4.7789% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8426% | 1,002 |
| Loan loss allowance to noncurrent loans | 367.5926% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 3,410 |
| Noncurrent loans to loans | 0.5013% | 3,578 |
| Net loans and leases to total assets | 49.1706% | 4,900 |
| Net loans and leases to deposits | 56.0619% | 5,007 |
| Net loans and leases to core deposits | 66.7956% | 4,554 |
| Total domestic deposits to total assets | 87.7077% | 1,566 |
| Equity capital to assets | 11.2740% | 2,772 |
| Core capital (leverage) ratio | 11.0390% | 2,396 |
| Tier 1 risk-based capital ratio | 16.0810% | 2,604 |
| Total risk-based capital ratio | 17.3435% | 2,541 |
| Memoranda: | ||
| Average total assets | $89,407,000 | 4,629 |
| Average earning assets | $80,481,000 | 4,656 |
| Average equity | $9,802,670 | 4,685 |
| Average total loans | $52,441,000 | 4,574 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 3,972 |
| Cost of funding earning assets | 0.8709% | 338 |
| Net interest margin | 2.9210% | 5,286 |
| Noninterest income to average assets | 0.1273% | 5,708 |
| Noninterest expense to average assets | 2.8189% | 3,001 |
| Loan and lease loss provision to assets | 0.0834% | 2,286 |
| Net operating income to assets | -0.1668% | 5,872 |
| Return on assets (ROA) | -0.1668% | 5,888 |
| Pretax return on assets | -0.1537% | 5,879 |
| Return on Equity (ROE) | -1.5424% | 5,889 |
| Retained earnings to average equity (ytd only) | -1.5424% | 5,338 |
| Net charge-offs to loans | 0.4202% | 535 |
| Credit loss provision to net charge-offs | 31.6667% | 2,209 |
| Earnings coverage of net charge-offs (x) | -0.2667% | 2,991 |
| Efficiency ratio | 102.5559% | 232 |
| Assets per employee ($millions) | 4.6062% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9713% | 856 |
| Loan loss allowance to noncurrent loans | 218.6813% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7406% | 2,860 |
| Noncurrent loans to loans | 0.9014% | 2,597 |
| Net loans and leases to total assets | 47.7428% | 4,984 |
| Net loans and leases to deposits | 54.7459% | 5,057 |
| Net loans and leases to core deposits | 65.2114% | 4,604 |
| Total domestic deposits to total assets | 87.2080% | 2,095 |
| Equity capital to assets | 11.8633% | 2,110 |
| Core capital (leverage) ratio | 10.3145% | 3,176 |
| Tier 1 risk-based capital ratio | 17.3972% | 2,150 |
| Total risk-based capital ratio | 18.6625% | 2,119 |
| Memoranda: | ||
| Average total assets | $91,100,000 | 4,639 |
| Average earning assets | $81,752,000 | 4,663 |
| Average equity | $9,855,000 | 4,682 |
| Average total loans | $57,116,000 | 4,468 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 2,148 |
| Cost of funding earning assets | 0.6101% | 1,312 |
| Net interest margin | 3.7100% | 2,715 |
| Noninterest income to average assets | 13.3632% | 53 |
| Noninterest expense to average assets | 14.8902% | 49 |
| Loan and lease loss provision to assets | 0.0700% | 2,883 |
| Net operating income to assets | 1.6543% | 626 |
| Return on assets (ROA) | 0.8032% | 3,406 |
| Pretax return on assets | 0.8032% | 4,172 |
| Return on Equity (ROE) | 7.3671% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.3671% | 1,140 |
| Net charge-offs to loans | 0.3368% | 881 |
| Credit loss provision to net charge-offs | 27.1493% | 3,684 |
| Earnings coverage of net charge-offs (x) | 6.6833% | 3,184 |
| Efficiency ratio | 89.6212% | 710 |
| Assets per employee ($millions) | 1.8387% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 3,848 |
| Loan loss allowance to noncurrent loans | 334.8000% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 3,628 |
| Noncurrent loans to loans | 0.3385% | 4,251 |
| Net loans and leases to total assets | 73.5379% | 1,801 |
| Net loans and leases to deposits | 87.3646% | 1,950 |
| Net loans and leases to core deposits | 100.4084% | 1,477 |
| Total domestic deposits to total assets | 84.1735% | 3,414 |
| Equity capital to assets | 9.9447% | 4,027 |
| Core capital (leverage) ratio | 11.6874% | 1,823 |
| Tier 1 risk-based capital ratio | 13.5973% | 3,952 |
| Total risk-based capital ratio | 14.8565% | 3,877 |
| Memoranda: | ||
| Average total assets | $85,653,400 | 4,750 |
| Average earning assets | $75,067,400 | 4,831 |
| Average equity | $9,338,800 | 4,781 |
| Average total loans | $65,622,000 | 4,215 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 1,747 |
| Cost of funding earning assets | 0.6178% | 1,299 |
| Net interest margin | 3.8351% | 2,249 |
| Noninterest income to average assets | 14.2336% | 53 |
| Noninterest expense to average assets | 16.2260% | 50 |
| Loan and lease loss provision to assets | 0.0730% | 2,709 |
| Net operating income to assets | 1.2758% | 1,407 |
| Return on assets (ROA) | 0.3875% | 5,293 |
| Pretax return on assets | 0.3875% | 5,485 |
| Return on Equity (ROE) | 3.4618% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.4618% | 4,001 |
| Net charge-offs to loans | 0.3272% | 808 |
| Credit loss provision to net charge-offs | 28.8462% | 3,285 |
| Earnings coverage of net charge-offs (x) | 5.3335% | 3,220 |
| Efficiency ratio | 92.3254% | 551 |
| Assets per employee ($millions) | 1.4038% | 6,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 1,797 |
| Loan loss allowance to noncurrent loans | 3,281.4815% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 3,715 |
| Noncurrent loans to loans | 0.0487% | 5,421 |
| Net loans and leases to total assets | 74.7277% | 1,604 |
| Net loans and leases to deposits | 88.3828% | 1,848 |
| Net loans and leases to core deposits | 99.4095% | 1,566 |
| Total domestic deposits to total assets | 84.5501% | 3,198 |
| Equity capital to assets | 12.9115% | 1,496 |
| Core capital (leverage) ratio | 10.2417% | 3,318 |
| Tier 1 risk-based capital ratio | 16.3278% | 2,658 |
| Total risk-based capital ratio | 17.5937% | 2,597 |
| Memoranda: | ||
| Average total assets | $82,244,500 | 4,879 |
| Average earning assets | $71,652,500 | 4,960 |
| Average equity | $9,205,000 | 4,865 |
| Average total loans | $63,564,500 | 4,319 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0928% | 2,923 |
| Cost of funding earning assets | 0.5832% | 1,541 |
| Net interest margin | 3.5096% | 3,460 |
| Noninterest income to average assets | 13.7237% | 56 |
| Noninterest expense to average assets | 15.8824% | 50 |
| Loan and lease loss provision to assets | 0.0703% | 2,701 |
| Net operating income to assets | 0.8462% | 3,142 |
| Return on assets (ROA) | 0.0117% | 6,016 |
| Pretax return on assets | 0.0117% | 6,008 |
| Return on Equity (ROE) | 0.1095% | 6,013 |
| Retained earnings to average equity (ytd only) | 0.1095% | 5,472 |
| Net charge-offs to loans | 0.3229% | 815 |
| Credit loss provision to net charge-offs | 28.0374% | 2,943 |
| Earnings coverage of net charge-offs (x) | 3.6542% | 3,161 |
| Efficiency ratio | 94.5444% | 496 |
| Assets per employee ($millions) | 1.8005% | 6,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 3,684 |
| Loan loss allowance to noncurrent loans | 260.9065% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 3,179 |
| Noncurrent loans to loans | 0.4665% | 4,083 |
| Net loans and leases to total assets | 76.8727% | 1,243 |
| Net loans and leases to deposits | 115.7286% | 151 |
| Net loans and leases to core deposits | 129.4172% | 280 |
| Total domestic deposits to total assets | 66.4250% | 6,160 |
| Equity capital to assets | 9.4531% | 4,710 |
| Core capital (leverage) ratio | 9.9522% | 3,680 |
| Tier 1 risk-based capital ratio | 12.9622% | 4,540 |
| Total risk-based capital ratio | 14.2241% | 4,447 |
| Memoranda: | ||
| Average total assets | $85,327,000 | 4,868 |
| Average earning assets | $74,765,670 | 4,946 |
| Average equity | $9,131,670 | 4,919 |
| Average total loans | $66,274,330 | 4,263 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 2,656 |
| Cost of funding earning assets | 0.6035% | 1,409 |
| Net interest margin | 3.5397% | 3,263 |
| Noninterest income to average assets | 11.9350% | 63 |
| Noninterest expense to average assets | 15.4070% | 50 |
| Loan and lease loss provision to assets | 0.0757% | 2,439 |
| Net operating income to assets | -0.3835% | 6,212 |
| Return on assets (ROA) | -0.7015% | 6,286 |
| Pretax return on assets | -0.7873% | 6,289 |
| Return on Equity (ROE) | -6.1180% | 6,280 |
| Retained earnings to average equity (ytd only) | -6.1180% | 5,994 |
| Net charge-offs to loans | 0.4742% | 524 |
| Credit loss provision to net charge-offs | 20.5479% | 2,354 |
| Earnings coverage of net charge-offs (x) | -1.0685% | 3,176 |
| Efficiency ratio | 102.6218% | 300 |
| Assets per employee ($millions) | 1.4430% | 6,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 2,838 |
| Loan loss allowance to noncurrent loans | 272.4638% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 2,971 |
| Noncurrent loans to loans | 0.5204% | 4,012 |
| Net loans and leases to total assets | 78.0926% | 911 |
| Net loans and leases to deposits | 107.9085% | 261 |
| Net loans and leases to core deposits | 123.6951% | 332 |
| Total domestic deposits to total assets | 72.3693% | 6,021 |
| Equity capital to assets | 10.7751% | 3,231 |
| Core capital (leverage) ratio | 12.5190% | 1,358 |
| Tier 1 risk-based capital ratio | 15.2415% | 3,294 |
| Total risk-based capital ratio | 16.4958% | 3,218 |
| Memoranda: | ||
| Average total assets | $79,262,500 | 5,042 |
| Average earning assets | $68,931,500 | 5,115 |
| Average equity | $9,088,000 | 4,968 |
| Average total loans | $61,580,000 | 4,448 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 1,772 |
| Cost of funding earning assets | 0.7312% | 949 |
| Net interest margin | 3.7943% | 2,645 |
| Noninterest income to average assets | 10.9971% | 62 |
| Noninterest expense to average assets | 13.1465% | 54 |
| Loan and lease loss provision to assets | 0.1206% | 2,165 |
| Net operating income to assets | 1.6799% | 600 |
| Return on assets (ROA) | 0.9364% | 2,786 |
| Pretax return on assets | 0.2994% | 5,703 |
| Return on Equity (ROE) | 7.7664% | 3,239 |
| Retained earnings to average equity (ytd only) | 7.7664% | 1,102 |
| Net charge-offs to loans | 0.3387% | 1,295 |
| Credit loss provision to net charge-offs | 50.8982% | 3,463 |
| Earnings coverage of net charge-offs (x) | 4.9102% | 3,539 |
| Efficiency ratio | 91.8699% | 717 |
| Assets per employee ($millions) | 1.4673% | 6,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 1,644 |
| Loan loss allowance to noncurrent loans | 270.4607% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.9755% | 2,804 |
| Noncurrent loans to loans | 0.6489% | 3,743 |
| Net loans and leases to total assets | 74.6526% | 1,469 |
| Net loans and leases to deposits | 89.0178% | 1,617 |
| Net loans and leases to core deposits | 101.0510% | 1,315 |
| Total domestic deposits to total assets | 83.8625% | 3,779 |
| Equity capital to assets | 12.2381% | 1,831 |
| Core capital (leverage) ratio | 12.8886% | 1,179 |
| Tier 1 risk-based capital ratio | 17.0038% | 2,515 |
| Total risk-based capital ratio | 18.2622% | 2,462 |
| Memoranda: | ||
| Average total assets | $70,482,400 | 5,268 |
| Average earning assets | $61,539,000 | 5,354 |
| Average equity | $8,498,200 | 5,084 |
| Average total loans | $49,305,400 | 4,845 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 1,871 |
| Cost of funding earning assets | 0.7532% | 879 |
| Net interest margin | 3.7463% | 2,835 |
| Noninterest income to average assets | 11.0322% | 62 |
| Noninterest expense to average assets | 13.0208% | 54 |
| Loan and lease loss provision to assets | 0.0384% | 3,636 |
| Net operating income to assets | 1.2508% | 1,524 |
| Return on assets (ROA) | 0.4515% | 5,145 |
| Pretax return on assets | 0.4515% | 5,460 |
| Return on Equity (ROE) | 3.7600% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.7600% | 3,978 |
| Net charge-offs to loans | 0.2334% | 1,648 |
| Credit loss provision to net charge-offs | 24.0964% | 3,536 |
| Earnings coverage of net charge-offs (x) | 8.0846% | 2,855 |
| Efficiency ratio | 90.9909% | 772 |
| Assets per employee ($millions) | 1.4016% | 6,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1056% | 1,084 |
| Loan loss allowance to noncurrent loans | 238.1733% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 1.1023% | 2,742 |
| Noncurrent loans to loans | 0.8841% | 3,361 |
| Net loans and leases to total assets | 66.1449% | 2,842 |
| Net loans and leases to deposits | 77.2750% | 3,029 |
| Net loans and leases to core deposits | 88.0077% | 2,431 |
| Total domestic deposits to total assets | 85.5968% | 3,074 |
| Equity capital to assets | 12.2167% | 1,891 |
| Core capital (leverage) ratio | 11.6490% | 1,942 |
| Tier 1 risk-based capital ratio | 18.3941% | 2,089 |
| Total risk-based capital ratio | 19.6500% | 2,050 |
| Memoranda: | ||
| Average total assets | $69,395,000 | 5,364 |
| Average earning assets | $60,715,500 | 5,436 |
| Average equity | $8,333,250 | 5,164 |
| Average total loans | $47,416,250 | 4,956 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3436% | 2,412 |
| Cost of funding earning assets | 0.7644% | 856 |
| Net interest margin | 3.5792% | 3,445 |
| Noninterest income to average assets | 9.8808% | 67 |
| Noninterest expense to average assets | 12.0031% | 59 |
| Loan and lease loss provision to assets | 0.0146% | 3,968 |
| Net operating income to assets | 0.9986% | 2,328 |
| Return on assets (ROA) | 0.3464% | 5,486 |
| Pretax return on assets | 0.3464% | 5,681 |
| Return on Equity (ROE) | 2.9024% | 5,562 |
| Retained earnings to average equity (ytd only) | 2.9024% | 4,357 |
| Net charge-offs to loans | 0.1740% | 2,001 |
| Credit loss provision to net charge-offs | 12.1951% | 3,282 |
| Earnings coverage of net charge-offs (x) | 8.4878% | 2,483 |
| Efficiency ratio | 92.2165% | 749 |
| Assets per employee ($millions) | 1.4029% | 6,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8214% | 1,787 |
| Loan loss allowance to noncurrent loans | 127.1620% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.1704% | 2,737 |
| Noncurrent loans to loans | 1.4323% | 2,411 |
| Net loans and leases to total assets | 80.2281% | 661 |
| Net loans and leases to deposits | 95.9965% | 802 |
| Net loans and leases to core deposits | 107.4318% | 802 |
| Total domestic deposits to total assets | 83.5740% | 4,082 |
| Equity capital to assets | 12.2831% | 1,787 |
| Core capital (leverage) ratio | 12.5505% | 1,370 |
| Tier 1 risk-based capital ratio | 16.7209% | 2,739 |
| Total risk-based capital ratio | 17.9802% | 2,701 |
| Memoranda: | ||
| Average total assets | $68,698,670 | 5,431 |
| Average earning assets | $60,180,670 | 5,496 |
| Average equity | $8,200,000 | 5,211 |
| Average total loans | $47,121,670 | 4,997 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 3,270 |
| Cost of funding earning assets | 0.7872% | 796 |
| Net interest margin | 3.3157% | 4,471 |
| Noninterest income to average assets | 7.7499% | 81 |
| Noninterest expense to average assets | 10.6038% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0706% | 6,088 |
| Return on assets (ROA) | -0.0647% | 6,268 |
| Pretax return on assets | -0.0647% | 6,259 |
| Return on Equity (ROE) | -0.5506% | 6,263 |
| Retained earnings to average equity (ytd only) | -0.5506% | 5,658 |
| Net charge-offs to loans | 0.0190% | 3,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,297 |
| Efficiency ratio | 99.3385% | 489 |
| Assets per employee ($millions) | 1.3799% | 6,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4088% | 902 |
| Loan loss allowance to noncurrent loans | 120.9877% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.3178% | 2,678 |
| Noncurrent loans to loans | 1.9909% | 1,876 |
| Net loans and leases to total assets | 64.5937% | 2,794 |
| Net loans and leases to deposits | 75.7497% | 2,836 |
| Net loans and leases to core deposits | 86.9518% | 2,201 |
| Total domestic deposits to total assets | 85.2725% | 3,731 |
| Equity capital to assets | 12.5519% | 1,543 |
| Core capital (leverage) ratio | 12.7582% | 1,269 |
| Tier 1 risk-based capital ratio | 19.3938% | 1,858 |
| Total risk-based capital ratio | 20.6575% | 1,829 |
| Memoranda: | ||
| Average total assets | $67,975,500 | 5,506 |
| Average earning assets | $59,956,500 | 5,563 |
| Average equity | $7,992,000 | 5,291 |
| Average total loans | $42,022,500 | 5,238 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8744% | 1,146 |
| Cost of funding earning assets | 0.9093% | 699 |
| Net interest margin | 3.9650% | 2,049 |
| Noninterest income to average assets | 10.1613% | 65 |
| Noninterest expense to average assets | 11.5663% | 65 |
| Loan and lease loss provision to assets | 0.2593% | 1,381 |
| Net operating income to assets | 1.8895% | 404 |
| Return on assets (ROA) | 1.0217% | 2,300 |
| Pretax return on assets | 0.8293% | 4,034 |
| Return on Equity (ROE) | 9.9517% | 2,135 |
| Retained earnings to average equity (ytd only) | 9.9517% | 568 |
| Net charge-offs to loans | 0.3657% | 1,856 |
| Credit loss provision to net charge-offs | 98.3784% | 2,525 |
| Earnings coverage of net charge-offs (x) | 7.4216% | 2,847 |
| Efficiency ratio | 85.5321% | 1,463 |
| Assets per employee ($millions) | 1.3667% | 6,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7487% | 641 |
| Loan loss allowance to noncurrent loans | 108.1081% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.4619% | 2,549 |
| Noncurrent loans to loans | 2.5425% | 1,476 |
| Net loans and leases to total assets | 55.9178% | 4,331 |
| Net loans and leases to deposits | 64.2424% | 4,484 |
| Net loans and leases to core deposits | 73.3929% | 3,910 |
| Total domestic deposits to total assets | 87.0420% | 2,702 |
| Equity capital to assets | 10.9708% | 2,636 |
| Core capital (leverage) ratio | 11.0478% | 2,346 |
| Tier 1 risk-based capital ratio | 18.7000% | 2,009 |
| Total risk-based capital ratio | 19.9677% | 1,967 |
| Memoranda: | ||
| Average total assets | $70,177,800 | 5,476 |
| Average earning assets | $59,495,000 | 5,606 |
| Average equity | $7,204,800 | 5,519 |
| Average total loans | $50,588,200 | 4,942 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0470% | 853 |
| Cost of funding earning assets | 0.9246% | 727 |
| Net interest margin | 4.1224% | 1,562 |
| Noninterest income to average assets | 11.1419% | 60 |
| Noninterest expense to average assets | 12.4273% | 61 |
| Loan and lease loss provision to assets | 0.2454% | 1,461 |
| Net operating income to assets | 2.1744% | 273 |
| Return on assets (ROA) | 1.1703% | 1,810 |
| Pretax return on assets | 0.9154% | 3,811 |
| Return on Equity (ROE) | 11.5911% | 1,627 |
| Retained earnings to average equity (ytd only) | 11.5911% | 489 |
| Net charge-offs to loans | 0.3470% | 1,813 |
| Credit loss provision to net charge-offs | 93.5252% | 2,546 |
| Earnings coverage of net charge-offs (x) | 8.2518% | 2,651 |
| Efficiency ratio | 85.1636% | 1,448 |
| Assets per employee ($millions) | 1.4533% | 6,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3793% | 1,070 |
| Loan loss allowance to noncurrent loans | 108.5945% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.4794% | 2,715 |
| Noncurrent loans to loans | 2.1910% | 2,017 |
| Net loans and leases to total assets | 65.9167% | 2,656 |
| Net loans and leases to deposits | 76.1031% | 2,954 |
| Net loans and leases to core deposits | 85.6682% | 2,445 |
| Total domestic deposits to total assets | 86.6150% | 2,906 |
| Equity capital to assets | 11.0694% | 2,697 |
| Core capital (leverage) ratio | 10.4104% | 3,099 |
| Tier 1 risk-based capital ratio | 17.0899% | 2,670 |
| Total risk-based capital ratio | 18.3504% | 2,629 |
| Memoranda: | ||
| Average total assets | $70,638,250 | 5,511 |
| Average earning assets | $59,122,750 | 5,681 |
| Average equity | $7,131,750 | 5,602 |
| Average total loans | $53,412,250 | 4,876 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1672% | 675 |
| Cost of funding earning assets | 0.9429% | 732 |
| Net interest margin | 4.2243% | 1,212 |
| Noninterest income to average assets | 11.3712% | 60 |
| Noninterest expense to average assets | 12.6146% | 62 |
| Loan and lease loss provision to assets | 0.2225% | 1,701 |
| Net operating income to assets | 2.3616% | 199 |
| Return on assets (ROA) | 1.3074% | 1,393 |
| Pretax return on assets | 0.9318% | 3,771 |
| Return on Equity (ROE) | 13.3479% | 1,157 |
| Retained earnings to average equity (ytd only) | 13.3479% | 346 |
| Net charge-offs to loans | 0.3703% | 1,722 |
| Credit loss provision to net charge-offs | 76.9231% | 2,684 |
| Earnings coverage of net charge-offs (x) | 7.6346% | 2,519 |
| Efficiency ratio | 85.1004% | 1,515 |
| Assets per employee ($millions) | 1.5706% | 6,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9978% | 1,851 |
| Loan loss allowance to noncurrent loans | 80.7165% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.8564% | 2,333 |
| Noncurrent loans to loans | 2.4751% | 1,883 |
| Net loans and leases to total assets | 73.5041% | 1,322 |
| Net loans and leases to deposits | 87.6969% | 1,379 |
| Net loans and leases to core deposits | 98.4144% | 1,178 |
| Total domestic deposits to total assets | 83.8161% | 4,400 |
| Equity capital to assets | 10.2582% | 3,588 |
| Core capital (leverage) ratio | 10.4250% | 2,962 |
| Tier 1 risk-based capital ratio | 15.4758% | 3,494 |
| Total risk-based capital ratio | 16.5135% | 3,574 |
| Memoranda: | ||
| Average total assets | $71,900,670 | 5,513 |
| Average earning assets | $58,755,000 | 5,735 |
| Average equity | $7,042,330 | 5,671 |
| Average total loans | $56,169,670 | 4,815 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1151% | 722 |
| Cost of funding earning assets | 0.9034% | 973 |
| Net interest margin | 4.2117% | 1,161 |
| Noninterest income to average assets | 10.5415% | 66 |
| Noninterest expense to average assets | 12.2901% | 65 |
| Loan and lease loss provision to assets | 0.1655% | 2,210 |
| Net operating income to assets | 2.4051% | 177 |
| Return on assets (ROA) | 1.7486% | 579 |
| Pretax return on assets | 1.0040% | 3,329 |
| Return on Equity (ROE) | 18.2748% | 416 |
| Retained earnings to average equity (ytd only) | 18.2748% | 188 |
| Net charge-offs to loans | 0.0208% | 3,748 |
| Credit loss provision to net charge-offs | 1,000.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 110.3333% | 347 |
| Efficiency ratio | 87.0653% | 1,412 |
| Assets per employee ($millions) | 1.5475% | 6,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2332% | 1,519 |
| Loan loss allowance to noncurrent loans | 119.8704% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.3916% | 3,185 |
| Noncurrent loans to loans | 1.8630% | 2,781 |
| Net loans and leases to total assets | 73.0291% | 1,199 |
| Net loans and leases to deposits | 84.0453% | 1,594 |
| Net loans and leases to core deposits | 93.2314% | 1,402 |
| Total domestic deposits to total assets | 86.8925% | 3,025 |
| Equity capital to assets | 10.6654% | 3,357 |
| Core capital (leverage) ratio | 9.9410% | 3,473 |
| Tier 1 risk-based capital ratio | 15.2994% | 3,656 |
| Total risk-based capital ratio | 16.5738% | 3,595 |
| Memoranda: | ||
| Average total assets | $72,513,500 | 5,545 |
| Average earning assets | $61,543,000 | 5,691 |
| Average equity | $6,938,500 | 5,760 |
| Average total loans | $57,750,500 | 4,786 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5103% | 608 |
| Cost of funding earning assets | 1.1018% | 898 |
| Net interest margin | 4.4085% | 1,147 |
| Noninterest income to average assets | 8.8616% | 81 |
| Noninterest expense to average assets | 10.7971% | 71 |
| Loan and lease loss provision to assets | 0.3064% | 2,233 |
| Net operating income to assets | 1.7157% | 598 |
| Return on assets (ROA) | 0.8753% | 3,175 |
| Pretax return on assets | 0.8753% | 4,007 |
| Return on Equity (ROE) | 11.1503% | 1,756 |
| Retained earnings to average equity (ytd only) | 11.1503% | 426 |
| Net charge-offs to loans | 0.7416% | 1,583 |
| Credit loss provision to net charge-offs | 49.5816% | 4,711 |
| Earnings coverage of net charge-offs (x) | 3.2720% | 3,793 |
| Efficiency ratio | 84.2259% | 1,604 |
| Assets per employee ($millions) | 1.7838% | 6,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6460% | 3,130 |
| Loan loss allowance to noncurrent loans | 96.1812% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.4347% | 3,244 |
| Noncurrent loans to loans | 1.7114% | 3,048 |
| Net loans and leases to total assets | 82.4527% | 301 |
| Net loans and leases to deposits | 102.7386% | 305 |
| Net loans and leases to core deposits | 112.4153% | 455 |
| Total domestic deposits to total assets | 80.2548% | 5,599 |
| Equity capital to assets | 8.6386% | 5,918 |
| Core capital (leverage) ratio | 9.2885% | 4,434 |
| Tier 1 risk-based capital ratio | 11.7075% | 5,952 |
| Total risk-based capital ratio | 12.9647% | 5,919 |
| Memoranda: | ||
| Average total assets | $77,345,200 | 5,422 |
| Average earning assets | $69,433,600 | 5,452 |
| Average equity | $6,071,600 | 6,005 |
| Average total loans | $64,455,600 | 4,558 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7306% | 439 |
| Cost of funding earning assets | 1.1836% | 744 |
| Net interest margin | 4.5470% | 907 |
| Noninterest income to average assets | 8.3534% | 89 |
| Noninterest expense to average assets | 10.4712% | 73 |
| Loan and lease loss provision to assets | 0.1298% | 3,931 |
| Net operating income to assets | 1.8271% | 539 |
| Return on assets (ROA) | 1.0727% | 2,406 |
| Pretax return on assets | 1.0727% | 3,452 |
| Return on Equity (ROE) | 14.0241% | 1,108 |
| Retained earnings to average equity (ytd only) | 14.0241% | 299 |
| Net charge-offs to loans | 0.0873% | 4,509 |
| Credit loss provision to net charge-offs | 178.5714% | 1,562 |
| Earnings coverage of net charge-offs (x) | 26.9279% | 1,200 |
| Efficiency ratio | 84.2545% | 1,563 |
| Assets per employee ($millions) | 1.8561% | 7,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1121% | 1,877 |
| Loan loss allowance to noncurrent loans | 91.6273% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.9461% | 2,720 |
| Noncurrent loans to loans | 2.3051% | 2,501 |
| Net loans and leases to total assets | 82.6404% | 299 |
| Net loans and leases to deposits | 103.2744% | 303 |
| Net loans and leases to core deposits | 111.6772% | 512 |
| Total domestic deposits to total assets | 80.0202% | 5,649 |
| Equity capital to assets | 8.2587% | 6,452 |
| Core capital (leverage) ratio | 7.8264% | 6,450 |
| Tier 1 risk-based capital ratio | 10.7215% | 6,597 |
| Total risk-based capital ratio | 12.0001% | 6,568 |
| Memoranda: | ||
| Average total assets | $77,060,250 | 5,487 |
| Average earning assets | $69,054,750 | 5,524 |
| Average equity | $5,894,500 | 6,117 |
| Average total loans | $64,120,500 | 4,619 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7231% | 463 |
| Cost of funding earning assets | 1.1647% | 963 |
| Net interest margin | 4.5584% | 893 |
| Noninterest income to average assets | 7.4206% | 100 |
| Noninterest expense to average assets | 9.8217% | 84 |
| Loan and lease loss provision to assets | 0.0775% | 4,646 |
| Net operating income to assets | 1.6283% | 792 |
| Return on assets (ROA) | 1.0209% | 2,604 |
| Pretax return on assets | 1.0209% | 3,629 |
| Return on Equity (ROE) | 13.7050% | 1,187 |
| Retained earnings to average equity (ytd only) | 13.7050% | 370 |
| Net charge-offs to loans | 0.1405% | 3,799 |
| Credit loss provision to net charge-offs | 66.6667% | 3,644 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,696 |
| Efficiency ratio | 85.2018% | 1,512 |
| Assets per employee ($millions) | 2.0677% | 7,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9586% | 2,347 |
| Loan loss allowance to noncurrent loans | 111.9760% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.4134% | 3,600 |
| Noncurrent loans to loans | 1.7491% | 3,275 |
| Net loans and leases to total assets | 79.2267% | 589 |
| Net loans and leases to deposits | 93.1733% | 840 |
| Net loans and leases to core deposits | 99.6184% | 1,127 |
| Total domestic deposits to total assets | 85.0315% | 3,842 |
| Equity capital to assets | 7.2062% | 6,867 |
| Core capital (leverage) ratio | 7.6267% | 6,551 |
| Tier 1 risk-based capital ratio | 9.7752% | 6,877 |
| Total risk-based capital ratio | 11.0363% | 6,872 |
| Memoranda: | ||
| Average total assets | $77,379,670 | 5,512 |
| Average earning assets | $69,717,330 | 5,530 |
| Average equity | $5,764,330 | 6,180 |
| Average total loans | $64,078,000 | 4,634 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8817% | 365 |
| Cost of funding earning assets | 1.1253% | 1,274 |
| Net interest margin | 4.7564% | 617 |
| Noninterest income to average assets | 6.2584% | 111 |
| Noninterest expense to average assets | 9.2296% | 92 |
| Loan and lease loss provision to assets | 0.0803% | 4,389 |
| Net operating income to assets | 1.3384% | 1,352 |
| Return on assets (ROA) | 1.0868% | 2,332 |
| Pretax return on assets | 1.0868% | 3,379 |
| Return on Equity (ROE) | 14.3298% | 1,119 |
| Retained earnings to average equity (ytd only) | 14.3298% | 529 |
| Net charge-offs to loans | 0.3126% | 2,399 |
| Credit loss provision to net charge-offs | 30.6122% | 3,614 |
| Earnings coverage of net charge-offs (x) | 5.4082% | 2,380 |
| Efficiency ratio | 86.6767% | 1,416 |
| Assets per employee ($millions) | 1.8963% | 7,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0759% | 2,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 80.2223% | 387 |
| Net loans and leases to deposits | 87.7714% | 1,196 |
| Net loans and leases to core deposits | 94.2798% | 1,443 |
| Total domestic deposits to total assets | 91.3992% | 405 |
| Equity capital to assets | 7.6042% | 6,739 |
| Core capital (leverage) ratio | 7.7469% | 6,451 |
| Tier 1 risk-based capital ratio | 9.9195% | 6,897 |
| Total risk-based capital ratio | 11.1815% | 6,898 |
| Memoranda: | ||
| Average total assets | $74,716,000 | 5,628 |
| Average earning assets | $68,960,000 | 5,600 |
| Average equity | $5,666,500 | 6,237 |
| Average total loans | $62,699,500 | 4,709 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1657% | 329 |
| Cost of funding earning assets | 0.8435% | 4,517 |
| Net interest margin | 5.3221% | 233 |
| Noninterest income to average assets | 2.5316% | 261 |
| Noninterest expense to average assets | 6.4234% | 175 |
| Loan and lease loss provision to assets | 1.2772% | 645 |
| Net operating income to assets | -0.3238% | 6,361 |
| Return on assets (ROA) | -0.2213% | 6,344 |
| Pretax return on assets | -0.2213% | 6,297 |
| Return on Equity (ROE) | -2.4467% | 6,366 |
| Retained earnings to average equity (ytd only) | -2.4467% | 6,206 |
| Net charge-offs to loans | 0.1697% | 4,799 |
| Credit loss provision to net charge-offs | 993.6709% | 234 |
| Earnings coverage of net charge-offs (x) | 7.4177% | 2,341 |
| Efficiency ratio | 87.0754% | 1,433 |
| Assets per employee ($millions) | 1.8395% | 7,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0930% | 2,022 |
| Loan loss allowance to noncurrent loans | 203.0675% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 4,846 |
| Noncurrent loans to loans | 1.0307% | 4,647 |
| Net loans and leases to total assets | 84.1735% | 201 |
| Net loans and leases to deposits | 91.8303% | 984 |
| Net loans and leases to core deposits | 97.6477% | 1,360 |
| Total domestic deposits to total assets | 91.6620% | 291 |
| Equity capital to assets | 7.5633% | 6,785 |
| Core capital (leverage) ratio | 7.7413% | 6,506 |
| Tier 1 risk-based capital ratio | 9.2116% | 7,002 |
| Total risk-based capital ratio | 10.4723% | 6,999 |
| Memoranda: | ||
| Average total assets | $61,462,400 | 5,998 |
| Average earning assets | $55,955,000 | 5,986 |
| Average equity | $5,558,400 | 6,272 |
| Average total loans | $46,562,400 | 5,397 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1655% | 347 |
| Cost of funding earning assets | 0.7763% | 5,301 |
| Net interest margin | 5.3892% | 210 |
| Noninterest income to average assets | 1.3462% | 722 |
| Noninterest expense to average assets | 6.4208% | 173 |
| Loan and lease loss provision to assets | 1.6543% | 389 |
| Net operating income to assets | -1.8345% | 7,104 |
| Return on assets (ROA) | -1.5265% | 7,059 |
| Pretax return on assets | -1.5265% | 7,024 |
| Return on Equity (ROE) | -16.0522% | 7,037 |
| Retained earnings to average equity (ytd only) | -16.0522% | 7,014 |
| Net charge-offs to loans | 1.0349% | 1,544 |
| Credit loss provision to net charge-offs | 220.3647% | 1,295 |
| Earnings coverage of net charge-offs (x) | -0.2401% | 5,739 |
| Efficiency ratio | 102.8885% | 581 |
| Assets per employee ($millions) | 3.5060% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8825% | 2,667 |
| Loan loss allowance to noncurrent loans | 507.0000% | 644 |
| Noncurrent assets plus other real estate owned to assets | 1.6386% | 3,625 |
| Noncurrent loans to loans | 0.3713% | 6,108 |
| Net loans and leases to total assets | 75.3719% | 1,078 |
| Net loans and leases to deposits | 81.7403% | 2,409 |
| Net loans and leases to core deposits | 86.9086% | 2,658 |
| Total domestic deposits to total assets | 92.2090% | 185 |
| Equity capital to assets | 7.2035% | 7,014 |
| Core capital (leverage) ratio | 8.6240% | 5,514 |
| Tier 1 risk-based capital ratio | 9.0564% | 7,107 |
| Total risk-based capital ratio | 10.3132% | 7,103 |
| Memoranda: | ||
| Average total assets | $58,433,250 | 6,136 |
| Average earning assets | $53,068,250 | 6,126 |
| Average equity | $5,556,750 | 6,316 |
| Average total loans | $42,388,500 | 5,629 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4385% | 226 |
| Cost of funding earning assets | 0.8569% | 5,007 |
| Net interest margin | 5.5817% | 158 |
| Noninterest income to average assets | 0.1760% | 6,398 |
| Noninterest expense to average assets | 5.0240% | 364 |
| Loan and lease loss provision to assets | 0.4584% | 2,134 |
| Net operating income to assets | -0.2420% | 6,509 |
| Return on assets (ROA) | 0.2530% | 5,672 |
| Pretax return on assets | 0.2530% | 5,802 |
| Return on Equity (ROE) | 2.4103% | 5,644 |
| Retained earnings to average equity (ytd only) | 2.4103% | 4,759 |
| Net charge-offs to loans | 0.3008% | 3,368 |
| Credit loss provision to net charge-offs | 215.5172% | 1,381 |
| Earnings coverage of net charge-offs (x) | 1.0172% | 4,531 |
| Efficiency ratio | 95.8712% | 885 |
| Assets per employee ($millions) | 2.6216% | 6,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 3,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8615% | 3,420 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 83.9007% | 249 |
| Net loans and leases to deposits | 94.5716% | 832 |
| Net loans and leases to core deposits | 100.6936% | 1,280 |
| Total domestic deposits to total assets | 88.7166% | 1,710 |
| Equity capital to assets | 11.0297% | 2,918 |
| Core capital (leverage) ratio | 11.4717% | 1,929 |
| Tier 1 risk-based capital ratio | 11.8994% | 5,860 |
| Total risk-based capital ratio | 13.1525% | 5,835 |
| Memoranda: | ||
| Average total assets | $54,538,000 | 6,313 |
| Average earning assets | $49,483,330 | 6,318 |
| Average equity | $5,725,330 | 6,309 |
| Average total loans | $38,563,330 | 5,865 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9582% | 521 |
| Cost of funding earning assets | 0.9379% | 4,667 |
| Net interest margin | 5.0203% | 368 |
| Noninterest income to average assets | 0.1223% | 6,803 |
| Noninterest expense to average assets | 4.4755% | 608 |
| Loan and lease loss provision to assets | 0.4317% | 2,034 |
| Net operating income to assets | -0.2015% | 6,562 |
| Return on assets (ROA) | 0.1727% | 5,925 |
| Pretax return on assets | 0.1727% | 6,001 |
| Return on Equity (ROE) | 1.6852% | 5,916 |
| Retained earnings to average equity (ytd only) | 1.6852% | 5,109 |
| Net charge-offs to loans | 0.6534% | 1,898 |
| Credit loss provision to net charge-offs | 103.4483% | 2,563 |
| Earnings coverage of net charge-offs (x) | 0.5517% | 4,208 |
| Efficiency ratio | 95.1070% | 976 |
| Assets per employee ($millions) | 3.0536% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 3,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8801% | 3,458 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 67.8450% | 2,582 |
| Net loans and leases to deposits | 76.5364% | 3,327 |
| Net loans and leases to core deposits | 82.1626% | 3,433 |
| Total domestic deposits to total assets | 88.6440% | 1,991 |
| Equity capital to assets | 11.0362% | 2,652 |
| Core capital (leverage) ratio | 10.5262% | 2,587 |
| Tier 1 risk-based capital ratio | 14.5229% | 3,720 |
| Total risk-based capital ratio | 15.7777% | 3,682 |
| Memoranda: | ||
| Average total assets | $55,591,500 | 6,322 |
| Average earning assets | $50,754,000 | 6,314 |
| Average equity | $5,696,500 | 6,337 |
| Average total loans | $35,507,000 | 6,048 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1501% | 631 |
| Cost of funding earning assets | 1.4777% | 2,773 |
| Net interest margin | 4.6724% | 867 |
| Noninterest income to average assets | 0.1059% | 6,866 |
| Noninterest expense to average assets | 3.9732% | 1,199 |
| Loan and lease loss provision to assets | 0.4873% | 3,223 |
| Net operating income to assets | -0.0462% | 5,926 |
| Return on assets (ROA) | -0.0462% | 6,008 |
| Pretax return on assets | -0.1040% | 6,001 |
| Return on Equity (ROE) | -0.5058% | 6,015 |
| Retained earnings to average equity (ytd only) | -0.5058% | 5,710 |
| Net charge-offs to loans | 0.0066% | 6,778 |
| Credit loss provision to net charge-offs | 12,650.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 247 |
| Efficiency ratio | 91.2025% | 1,235 |
| Assets per employee ($millions) | 3.2929% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7598% | 2,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6466% | 3,830 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.3007% | 4,979 |
| Net loans and leases to deposits | 64.6390% | 5,554 |
| Net loans and leases to core deposits | 69.0747% | 5,543 |
| Total domestic deposits to total assets | 90.1944% | 994 |
| Equity capital to assets | 9.5559% | 4,331 |
| Core capital (leverage) ratio | 10.0301% | 3,060 |
| Tier 1 risk-based capital ratio | 13.8997% | 3,928 |
| Total risk-based capital ratio | 15.1685% | 3,892 |
| Memoranda: | ||
| Average total assets | $51,923,400 | 6,467 |
| Average earning assets | $47,235,200 | 6,467 |
| Average equity | $4,744,800 | 6,747 |
| Average total loans | $30,319,800 | 6,379 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1863% | 633 |
| Cost of funding earning assets | 1.5745% | 2,534 |
| Net interest margin | 4.6118% | 1,015 |
| Noninterest income to average assets | 0.0745% | 7,164 |
| Noninterest expense to average assets | 3.8918% | 1,214 |
| Loan and lease loss provision to assets | 0.2955% | 4,213 |
| Net operating income to assets | 0.0665% | 5,847 |
| Return on assets (ROA) | 0.0665% | 5,986 |
| Pretax return on assets | 0.0665% | 5,975 |
| Return on Equity (ROE) | 0.7382% | 5,960 |
| Retained earnings to average equity (ytd only) | 0.7382% | 5,508 |
| Net charge-offs to loans | 0.0092% | 6,536 |
| Credit loss provision to net charge-offs | 5,550.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 67.9139% | 445 |
| Efficiency ratio | 91.4894% | 1,172 |
| Assets per employee ($millions) | 3.1332% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 5,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7306% | 3,850 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 70.2076% | 2,688 |
| Net loans and leases to deposits | 77.8326% | 3,858 |
| Net loans and leases to core deposits | 83.4616% | 4,029 |
| Total domestic deposits to total assets | 90.2034% | 773 |
| Equity capital to assets | 9.5377% | 4,785 |
| Core capital (leverage) ratio | 9.6320% | 3,708 |
| Tier 1 risk-based capital ratio | 13.6815% | 4,061 |
| Total risk-based capital ratio | 14.9100% | 4,029 |
| Memoranda: | ||
| Average total assets | $50,086,250 | 6,603 |
| Average earning assets | $45,389,750 | 6,608 |
| Average equity | $4,515,000 | 6,900 |
| Average total loans | $29,106,000 | 6,529 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1545% | 683 |
| Cost of funding earning assets | 1.7162% | 2,034 |
| Net interest margin | 4.4383% | 1,353 |
| Noninterest income to average assets | 0.0625% | 7,270 |
| Noninterest expense to average assets | 3.8931% | 1,195 |
| Loan and lease loss provision to assets | 0.1584% | 5,306 |
| Net operating income to assets | 0.0208% | 6,052 |
| Return on assets (ROA) | 0.0208% | 6,152 |
| Pretax return on assets | 0.0208% | 6,119 |
| Return on Equity (ROE) | 0.2366% | 6,143 |
| Retained earnings to average equity (ytd only) | 0.2366% | 5,660 |
| Net charge-offs to loans | 0.0079% | 6,250 |
| Credit loss provision to net charge-offs | 3,800.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 686 |
| Efficiency ratio | 95.5988% | 987 |
| Assets per employee ($millions) | 3.1946% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 4,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9094% | 3,608 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 50.9879% | 6,310 |
| Net loans and leases to deposits | 56.5042% | 6,685 |
| Net loans and leases to core deposits | 60.3605% | 6,688 |
| Total domestic deposits to total assets | 90.2373% | 803 |
| Equity capital to assets | 9.4809% | 4,731 |
| Core capital (leverage) ratio | 10.4231% | 2,692 |
| Tier 1 risk-based capital ratio | 15.2482% | 3,040 |
| Total risk-based capital ratio | 16.4623% | 3,011 |
| Memoranda: | ||
| Average total assets | $47,982,670 | 6,730 |
| Average earning assets | $43,350,330 | 6,727 |
| Average equity | $4,227,000 | 7,038 |
| Average total loans | $25,450,670 | 6,776 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8019% | 1,449 |
| Cost of funding earning assets | 1.7445% | 2,152 |
| Net interest margin | 4.0573% | 2,621 |
| Noninterest income to average assets | 0.2142% | 6,431 |
| Noninterest expense to average assets | 3.6323% | 1,663 |
| Loan and lease loss provision to assets | 0.1339% | 5,224 |
| Net operating income to assets | 0.0803% | 6,077 |
| Return on assets (ROA) | 0.0803% | 6,187 |
| Pretax return on assets | 0.0803% | 6,189 |
| Return on Equity (ROE) | 0.9559% | 6,129 |
| Retained earnings to average equity (ytd only) | 0.9559% | 5,433 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4316% | 1,115 |
| Assets per employee ($millions) | 3.9122% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 3,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9076% | 2,465 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 54.0877% | 6,013 |
| Net loans and leases to deposits | 59.7599% | 6,491 |
| Net loans and leases to core deposits | 63.2586% | 6,508 |
| Total domestic deposits to total assets | 90.5082% | 732 |
| Equity capital to assets | 9.2127% | 4,975 |
| Core capital (leverage) ratio | 10.2546% | 2,868 |
| Tier 1 risk-based capital ratio | 14.1031% | 3,592 |
| Total risk-based capital ratio | 15.3683% | 3,548 |
| Memoranda: | ||
| Average total assets | $44,819,500 | 6,922 |
| Average earning assets | $40,125,000 | 6,925 |
| Average equity | $3,766,000 | 7,264 |
| Average total loans | $24,128,000 | 6,935 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0685% | 1,604 |
| Cost of funding earning assets | 2.1876% | 2,087 |
| Net interest margin | 3.8809% | 3,349 |
| Noninterest income to average assets | 0.2677% | 6,201 |
| Noninterest expense to average assets | 4.5532% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.6488% | 6,312 |
| Return on assets (ROA) | -0.7445% | 6,397 |
| Pretax return on assets | -1.0233% | 6,421 |
| Return on Equity (ROE) | -9.6767% | 6,598 |
| Retained earnings to average equity (ytd only) | -9.6767% | 6,494 |
| Net charge-offs to loans | -0.0412% | 7,836 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.3717% | 538 |
| Assets per employee ($millions) | 4.7437% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 3,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1972% | 2,153 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 51.7954% | 6,447 |
| Net loans and leases to deposits | 56.1857% | 6,910 |
| Net loans and leases to core deposits | 71.9731% | 6,658 |
| Total domestic deposits to total assets | 92.1861% | 231 |
| Equity capital to assets | 7.5118% | 7,029 |
| Core capital (leverage) ratio | 8.0643% | 6,058 |
| Tier 1 risk-based capital ratio | 11.9892% | 4,957 |
| Total risk-based capital ratio | 13.0883% | 5,046 |
| Memoranda: | ||
| Average total assets | $35,864,600 | 7,250 |
| Average earning assets | $31,358,600 | 7,297 |
| Average equity | $2,759,200 | 7,658 |
| Average total loans | $17,007,000 | 7,352 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1339% | 1,546 |
| Cost of funding earning assets | 2.3176% | 1,916 |
| Net interest margin | 3.8162% | 3,588 |
| Noninterest income to average assets | 0.2576% | 6,391 |
| Noninterest expense to average assets | 4.5123% | 733 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.9446% | 6,794 |
| Return on assets (ROA) | -1.1281% | 6,918 |
| Pretax return on assets | -1.1281% | 6,781 |
| Return on Equity (ROE) | -14.5555% | 7,165 |
| Retained earnings to average equity (ytd only) | -14.5555% | 7,104 |
| Net charge-offs to loans | -0.0597% | 7,872 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.4770% | 513 |
| Assets per employee ($millions) | 4.4956% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 2,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.6011% | 1,832 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 51.4533% | 6,658 |
| Net loans and leases to deposits | 55.1397% | 7,138 |
| Net loans and leases to core deposits | 72.0296% | 6,848 |
| Total domestic deposits to total assets | 93.3144% | 73 |
| Equity capital to assets | 6.3272% | 7,799 |
| Core capital (leverage) ratio | 6.0907% | 7,786 |
| Tier 1 risk-based capital ratio | 10.2326% | 6,749 |
| Total risk-based capital ratio | 11.4677% | 6,702 |
| Memoranda: | ||
| Average total assets | $34,157,500 | 7,377 |
| Average earning assets | $29,627,000 | 7,435 |
| Average equity | $2,647,250 | 7,764 |
| Average total loans | $15,638,500 | 7,487 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9129% | 2,530 |
| Cost of funding earning assets | 2.3637% | 2,110 |
| Net interest margin | 3.5492% | 4,575 |
| Noninterest income to average assets | 0.2870% | 6,210 |
| Noninterest expense to average assets | 4.8851% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -1.5535% | 7,270 |
| Return on assets (ROA) | -1.8467% | 7,378 |
| Pretax return on assets | -1.8467% | 7,231 |
| Return on Equity (ROE) | -22.1198% | 7,562 |
| Retained earnings to average equity (ytd only) | -22.1198% | 7,516 |
| Net charge-offs to loans | -0.2320% | 8,042 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.6292% | 387 |
| Assets per employee ($millions) | 4.6383% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9808% | 1,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.4700% | 1,254 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 43.5046% | 7,361 |
| Net loans and leases to deposits | 46.5416% | 7,614 |
| Net loans and leases to core deposits | 66.7463% | 7,179 |
| Total domestic deposits to total assets | 93.4747% | 78 |
| Equity capital to assets | 6.1468% | 7,903 |
| Core capital (leverage) ratio | 7.2732% | 7,275 |
| Tier 1 risk-based capital ratio | 10.8660% | 6,015 |
| Total risk-based capital ratio | 12.1194% | 5,949 |
| Memoranda: | ||
| Average total assets | $32,056,670 | 7,526 |
| Average earning assets | $27,499,330 | 7,578 |
| Average equity | $2,676,330 | 7,829 |
| Average total loans | $13,792,670 | 7,661 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9034% | 2,779 |
| Cost of funding earning assets | 2.6833% | 1,316 |
| Net interest margin | 3.2200% | 5,794 |
| Noninterest income to average assets | 0.3969% | 5,232 |
| Noninterest expense to average assets | 6.0560% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -2.9251% | 7,832 |
| Return on assets (ROA) | -3.5131% | 7,917 |
| Pretax return on assets | -3.5131% | 7,841 |
| Return on Equity (ROE) | -34.9991% | 7,945 |
| Retained earnings to average equity (ytd only) | -34.9991% | 7,915 |
| Net charge-offs to loans | -0.4551% | 8,099 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 193.4272% | 209 |
| Assets per employee ($millions) | 3.5002% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0215% | 469 |
| Loan loss allowance to noncurrent loans | 1,040.0000% | 389 |
| Noncurrent assets plus other real estate owned to assets | 5.9488% | 678 |
| Noncurrent loans to loans | 0.2905% | 6,715 |
| Net loans and leases to total assets | 37.0865% | 7,693 |
| Net loans and leases to deposits | 40.6365% | 7,824 |
| Net loans and leases to core deposits | 61.5121% | 7,407 |
| Total domestic deposits to total assets | 91.2640% | 334 |
| Equity capital to assets | 8.3138% | 6,368 |
| Core capital (leverage) ratio | 9.1914% | 4,417 |
| Tier 1 risk-based capital ratio | 12.7371% | 4,358 |
| Total risk-based capital ratio | 13.9821% | 4,285 |
| Memoranda: | ||
| Average total assets | $27,212,500 | 7,759 |
| Average earning assets | $23,105,500 | 7,804 |
| Average equity | $2,731,500 | 7,864 |
| Average total loans | $11,425,000 | 7,834 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4391% | 3,229 |
| Cost of funding earning assets | 3.3408% | 832 |
| Net interest margin | 3.0983% | 6,655 |
| Noninterest income to average assets | 1.9803% | 349 |
| Noninterest expense to average assets | 7.7805% | 233 |
| Loan and lease loss provision to assets | 0.8214% | 1,810 |
| Net operating income to assets | -4.3206% | 8,031 |
| Return on assets (ROA) | -6.2615% | 8,156 |
| Pretax return on assets | -6.2615% | 8,120 |
| Return on Equity (ROE) | -54.4521% | 8,177 |
| Retained earnings to average equity (ytd only) | -54.4521% | 8,162 |
| Net charge-offs to loans | 1.8039% | 608 |
| Credit loss provision to net charge-offs | 109.7744% | 4,907 |
| Earnings coverage of net charge-offs (x) | -4.6767% | 6,826 |
| Efficiency ratio | 181.7346% | 243 |
| Assets per employee ($millions) | 2.5470% | 7,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2491% | 349 |
| Loan loss allowance to noncurrent loans | 702.0000% | 652 |
| Noncurrent assets plus other real estate owned to assets | 7.9920% | 292 |
| Noncurrent loans to loans | 0.4628% | 5,958 |
| Net loans and leases to total assets | 45.5961% | 7,364 |
| Net loans and leases to deposits | 52.5913% | 7,506 |
| Net loans and leases to core deposits | 67.9451% | 7,289 |
| Total domestic deposits to total assets | 86.6989% | 2,092 |
| Equity capital to assets | 12.4068% | 2,062 |
| Core capital (leverage) ratio | 13.8327% | 1,303 |
| Tier 1 risk-based capital ratio | 16.1151% | 2,620 |
| Total risk-based capital ratio | 17.0614% | 2,678 |
| Memoranda: | ||
| Average total assets | $17,775,200 | 8,080 |
| Average earning assets | $13,200,600 | 8,164 |
| Average equity | $2,044,000 | 8,111 |
| Average total loans | $7,372,800 | 8,063 |