Home > Wisconsin River Bank > Performance and Condition Ratios
Wisconsin River Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9362% | 2,205 |
| Cost of funding earning assets | 1.5129% | 1,915 |
| Net interest margin | 3.4233% | 2,356 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.8223% | 3,969 |
| Loan and lease loss provision to assets | -0.4100% | 4,585 |
| Net operating income to assets | 1.4768% | 1,062 |
| Return on assets (ROA) | 1.4768% | 1,038 |
| Pretax return on assets | 1.9810% | 696 |
| Return on Equity (ROE) | 10.9100% | 2,253 |
| Retained earnings to average equity (ytd only) | 10.9073% | 810 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.6966% | 3,697 |
| Assets per employee ($millions) | 7.7002% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,136 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 80.0700% | 634 |
| Net loans and leases to deposits | 96.4051% | 749 |
| Net loans and leases to core deposits | 129.5783% | 407 |
| Total domestic deposits to total assets | 83.0500% | 2,881 |
| Equity capital to assets | 14.3037% | 633 |
| Core capital (leverage) ratio | 14.0861% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $168,198,400 | 3,202 |
| Average earning assets | $161,278,200 | 3,159 |
| Average equity | $22,773,800 | 2,644 |
| Average total loans | $141,696,600 | 2,748 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 2,236 |
| Cost of funding earning assets | 1.3134% | 2,116 |
| Net interest margin | 3.4968% | 2,216 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 1.8694% | 3,855 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.2404% | 1,675 |
| Return on assets (ROA) | 1.2404% | 1,669 |
| Pretax return on assets | 1.5168% | 1,521 |
| Return on Equity (ROE) | 9.2900% | 2,854 |
| Retained earnings to average equity (ytd only) | 9.2934% | 1,608 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.0129% | 3,487 |
| Assets per employee ($millions) | 8.0572% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 851 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 80.9700% | 542 |
| Net loans and leases to deposits | 96.6551% | 706 |
| Net loans and leases to core deposits | 126.5468% | 403 |
| Total domestic deposits to total assets | 83.7700% | 2,842 |
| Equity capital to assets | 13.6902% | 694 |
| Core capital (leverage) ratio | 14.1440% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $167,897,000 | 3,213 |
| Average earning assets | $160,905,250 | 3,174 |
| Average equity | $22,409,500 | 2,656 |
| Average total loans | $142,789,750 | 2,741 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 2,113 |
| Cost of funding earning assets | 1.1811% | 2,048 |
| Net interest margin | 3.5669% | 2,109 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 1.9085% | 3,803 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1322% | 2,030 |
| Return on assets (ROA) | 1.1322% | 2,026 |
| Pretax return on assets | 1.5347% | 1,530 |
| Return on Equity (ROE) | 8.5600% | 3,096 |
| Retained earnings to average equity (ytd only) | 8.5567% | 1,800 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.1415% | 3,520 |
| Assets per employee ($millions) | 6.6645% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7233% | 712 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 88.2100% | 76 |
| Net loans and leases to deposits | 105.7963% | 319 |
| Net loans and leases to core deposits | 142.6333% | 192 |
| Total domestic deposits to total assets | 83.3800% | 2,962 |
| Equity capital to assets | 14.1364% | 631 |
| Core capital (leverage) ratio | 13.5240% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $167,462,333 | 3,230 |
| Average earning assets | $160,361,667 | 3,190 |
| Average equity | $22,158,000 | 2,681 |
| Average total loans | $143,967,667 | 2,733 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 2,136 |
| Cost of funding earning assets | 1.0292% | 1,948 |
| Net interest margin | 3.5462% | 2,249 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 1.9063% | 3,842 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.1074% | 2,201 |
| Return on assets (ROA) | 1.1074% | 2,169 |
| Pretax return on assets | 1.4998% | 1,672 |
| Return on Equity (ROE) | 8.6500% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.6451% | 2,040 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.3971% | 3,470 |
| Assets per employee ($millions) | 6.5433% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 794 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 83.5700% | 265 |
| Net loans and leases to deposits | 98.6285% | 508 |
| Net loans and leases to core deposits | 129.2316% | 281 |
| Total domestic deposits to total assets | 84.7300% | 2,923 |
| Equity capital to assets | 13.0481% | 750 |
| Core capital (leverage) ratio | 12.9307% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $171,219,000 | 3,252 |
| Average earning assets | $164,007,000 | 3,206 |
| Average equity | $21,931,500 | 2,726 |
| Average total loans | $144,169,500 | 2,761 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1729% | 1,304 |
| Cost of funding earning assets | 0.4914% | 1,456 |
| Net interest margin | 3.6814% | 1,420 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 1.7297% | 4,126 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.3444% | 1,297 |
| Return on assets (ROA) | 1.3444% | 1,256 |
| Pretax return on assets | 1.8267% | 690 |
| Return on Equity (ROE) | 11.9200% | 2,167 |
| Retained earnings to average equity (ytd only) | 11.9188% | 683 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.1906% | 4,228 |
| Assets per employee ($millions) | 6.8925% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 791 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.9700% | 409 |
| Net loans and leases to deposits | 95.9895% | 639 |
| Net loans and leases to core deposits | 124.7985% | 293 |
| Total domestic deposits to total assets | 85.3900% | 2,886 |
| Equity capital to assets | 12.5731% | 790 |
| Core capital (leverage) ratio | 12.2944% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $182,457,200 | 3,165 |
| Average earning assets | $173,981,600 | 3,112 |
| Average equity | $20,581,000 | 2,898 |
| Average total loans | $146,409,200 | 2,663 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 1,147 |
| Cost of funding earning assets | 0.4470% | 992 |
| Net interest margin | 3.6103% | 1,368 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.6843% | 4,176 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.3348% | 1,256 |
| Return on assets (ROA) | 1.3348% | 1,231 |
| Pretax return on assets | 1.8141% | 710 |
| Return on Equity (ROE) | 12.1600% | 1,986 |
| Retained earnings to average equity (ytd only) | 12.1579% | 760 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.7036% | 4,291 |
| Assets per employee ($millions) | 6.6461% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6176% | 1,032 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 3,103 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 82.8300% | 328 |
| Net loans and leases to deposits | 95.9655% | 555 |
| Net loans and leases to core deposits | 121.7590% | 231 |
| Total domestic deposits to total assets | 86.3200% | 2,979 |
| Equity capital to assets | 11.7279% | 936 |
| Core capital (leverage) ratio | 11.5075% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $184,993,250 | 3,174 |
| Average earning assets | $176,266,750 | 3,119 |
| Average equity | $20,310,000 | 2,967 |
| Average total loans | $147,087,500 | 2,664 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9354% | 1,050 |
| Cost of funding earning assets | 0.4413% | 724 |
| Net interest margin | 3.4942% | 1,331 |
| Noninterest income to average assets | 0.0995% | 4,485 |
| Noninterest expense to average assets | 1.6442% | 4,229 |
| Loan and lease loss provision to assets | 0.0321% | 2,012 |
| Net operating income to assets | 1.2920% | 1,157 |
| Return on assets (ROA) | 1.2920% | 1,139 |
| Pretax return on assets | 1.7544% | 668 |
| Return on Equity (ROE) | 12.0309% | 1,662 |
| Retained earnings to average equity (ytd only) | 12.0309% | 600 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9251% | 4,347 |
| Assets per employee ($millions) | 6.8814% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 3,196 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 75.7286% | 755 |
| Net loans and leases to deposits | 86.9820% | 909 |
| Net loans and leases to core deposits | 111.4983% | 325 |
| Total domestic deposits to total assets | 87.0624% | 2,915 |
| Equity capital to assets | 11.0668% | 1,179 |
| Core capital (leverage) ratio | 10.7707% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,843,000 | 3,184 |
| Average earning assets | $178,125,000 | 3,147 |
| Average equity | $20,065,000 | 3,065 |
| Average total loans | $145,755,000 | 2,690 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 1,084 |
| Cost of funding earning assets | 0.4458% | 672 |
| Net interest margin | 3.3548% | 1,424 |
| Noninterest income to average assets | 0.1260% | 4,378 |
| Noninterest expense to average assets | 1.5755% | 4,335 |
| Loan and lease loss provision to assets | 0.0320% | 1,791 |
| Net operating income to assets | 1.2532% | 1,112 |
| Return on assets (ROA) | 1.2532% | 1,098 |
| Pretax return on assets | 1.6994% | 686 |
| Return on Equity (ROE) | 11.8487% | 1,364 |
| Retained earnings to average equity (ytd only) | 11.8487% | 628 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6436% | 4,421 |
| Assets per employee ($millions) | 7.7069% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 1,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 3,312 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 74.0830% | 654 |
| Net loans and leases to deposits | 87.0646% | 673 |
| Net loans and leases to core deposits | 110.8128% | 242 |
| Total domestic deposits to total assets | 85.0898% | 3,523 |
| Equity capital to assets | 10.4073% | 1,629 |
| Core capital (leverage) ratio | 10.7370% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,365,000 | 3,189 |
| Average earning assets | $177,657,500 | 3,160 |
| Average equity | $19,816,500 | 3,161 |
| Average total loans | $147,066,500 | 2,669 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2817% | 870 |
| Cost of funding earning assets | 0.6036% | 532 |
| Net interest margin | 3.6781% | 1,270 |
| Noninterest income to average assets | 0.1616% | 4,343 |
| Noninterest expense to average assets | 1.7375% | 4,242 |
| Loan and lease loss provision to assets | 0.0433% | 2,187 |
| Net operating income to assets | 1.3502% | 1,439 |
| Return on assets (ROA) | 1.3502% | 1,481 |
| Pretax return on assets | 1.8281% | 860 |
| Return on Equity (ROE) | 12.7333% | 1,559 |
| Retained earnings to average equity (ytd only) | 12.7333% | 435 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1446% | 4,392 |
| Assets per employee ($millions) | 7.5857% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 1,231 |
| Loan loss allowance to noncurrent loans | 10,904.5455% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 3,288 |
| Noncurrent loans to loans | 0.0148% | 3,981 |
| Net loans and leases to total assets | 80.5143% | 245 |
| Net loans and leases to deposits | 97.1095% | 277 |
| Net loans and leases to core deposits | 125.6747% | 125 |
| Total domestic deposits to total assets | 82.9108% | 3,828 |
| Equity capital to assets | 10.7554% | 1,970 |
| Core capital (leverage) ratio | 10.4650% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,238,800 | 3,267 |
| Average earning assets | $162,367,000 | 3,251 |
| Average equity | $18,369,200 | 3,358 |
| Average total loans | $131,914,600 | 2,832 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 945 |
| Cost of funding earning assets | 0.6449% | 508 |
| Net interest margin | 3.6576% | 1,440 |
| Noninterest income to average assets | 0.1738% | 4,341 |
| Noninterest expense to average assets | 1.7298% | 4,282 |
| Loan and lease loss provision to assets | 0.0468% | 2,064 |
| Net operating income to assets | 1.3424% | 1,711 |
| Return on assets (ROA) | 1.3424% | 1,762 |
| Pretax return on assets | 1.8148% | 1,132 |
| Return on Equity (ROE) | 12.7085% | 1,793 |
| Retained earnings to average equity (ytd only) | 12.7085% | 683 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1658% | 4,357 |
| Assets per employee ($millions) | 7.4090% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 1,183 |
| Loan loss allowance to noncurrent loans | 19,866.6667% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 3,495 |
| Noncurrent loans to loans | 0.0084% | 4,145 |
| Net loans and leases to total assets | 79.0844% | 344 |
| Net loans and leases to deposits | 93.6675% | 426 |
| Net loans and leases to core deposits | 119.8636% | 184 |
| Total domestic deposits to total assets | 84.4310% | 3,326 |
| Equity capital to assets | 10.6791% | 2,278 |
| Core capital (leverage) ratio | 10.5269% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,034,250 | 3,325 |
| Average earning assets | $159,808,500 | 3,308 |
| Average equity | $18,066,250 | 3,424 |
| Average total loans | $127,648,000 | 2,914 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 1,217 |
| Cost of funding earning assets | 0.7247% | 406 |
| Net interest margin | 3.4561% | 1,989 |
| Noninterest income to average assets | 0.2169% | 4,109 |
| Noninterest expense to average assets | 1.7147% | 4,343 |
| Loan and lease loss provision to assets | 0.0533% | 1,969 |
| Net operating income to assets | 1.2383% | 2,057 |
| Return on assets (ROA) | 1.2383% | 2,121 |
| Pretax return on assets | 1.6756% | 1,542 |
| Return on Equity (ROE) | 11.7689% | 2,139 |
| Retained earnings to average equity (ytd only) | 11.7689% | 969 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7935% | 4,251 |
| Assets per employee ($millions) | 6.9880% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7413% | 984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 3,608 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 79.7051% | 333 |
| Net loans and leases to deposits | 95.2902% | 409 |
| Net loans and leases to core deposits | 122.7592% | 189 |
| Total domestic deposits to total assets | 83.6446% | 3,533 |
| Equity capital to assets | 10.9235% | 2,044 |
| Core capital (leverage) ratio | 10.3037% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,774,000 | 3,351 |
| Average earning assets | $157,575,000 | 3,333 |
| Average equity | $17,758,667 | 3,450 |
| Average total loans | $122,528,000 | 2,986 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9017% | 1,824 |
| Cost of funding earning assets | 0.8071% | 337 |
| Net interest margin | 3.0946% | 3,006 |
| Noninterest income to average assets | 0.0614% | 4,821 |
| Noninterest expense to average assets | 1.7578% | 4,276 |
| Loan and lease loss provision to assets | 0.0709% | 1,740 |
| Net operating income to assets | 0.8411% | 3,296 |
| Return on assets (ROA) | 0.8411% | 3,378 |
| Pretax return on assets | 1.1317% | 3,036 |
| Return on Equity (ROE) | 8.1474% | 3,279 |
| Retained earnings to average equity (ytd only) | 8.1474% | 2,190 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3775% | 3,101 |
| Assets per employee ($millions) | 7.3824% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0464% | 545 |
| Loan loss allowance to noncurrent loans | 244.6985% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 1,352 |
| Noncurrent loans to loans | 0.8363% | 1,597 |
| Net loans and leases to total assets | 63.5974% | 2,095 |
| Net loans and leases to deposits | 74.4077% | 2,082 |
| Net loans and leases to core deposits | 94.6398% | 940 |
| Total domestic deposits to total assets | 85.4716% | 2,935 |
| Equity capital to assets | 9.9533% | 2,746 |
| Core capital (leverage) ratio | 10.2555% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,305,000 | 3,341 |
| Average earning assets | $158,597,000 | 3,321 |
| Average equity | $17,478,000 | 3,471 |
| Average total loans | $115,770,000 | 3,054 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 916 |
| Cost of funding earning assets | 1.2602% | 213 |
| Net interest margin | 3.4278% | 2,683 |
| Noninterest income to average assets | 0.2740% | 3,837 |
| Noninterest expense to average assets | 1.8828% | 4,351 |
| Loan and lease loss provision to assets | 0.1551% | 2,429 |
| Net operating income to assets | 1.1656% | 1,662 |
| Return on assets (ROA) | 1.1656% | 1,780 |
| Pretax return on assets | 1.4680% | 1,445 |
| Return on Equity (ROE) | 11.0872% | 1,599 |
| Retained earnings to average equity (ytd only) | 11.0872% | 426 |
| Net charge-offs to loans | -0.0421% | 4,634 |
| Credit loss provision to net charge-offs | -461.5385% | 3,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7044% | 4,242 |
| Assets per employee ($millions) | 6.4573% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9947% | 595 |
| Loan loss allowance to noncurrent loans | 210.3167% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.8325% | 1,214 |
| Noncurrent loans to loans | 0.9484% | 1,491 |
| Net loans and leases to total assets | 70.7303% | 1,463 |
| Net loans and leases to deposits | 86.3354% | 1,225 |
| Net loans and leases to core deposits | 102.1205% | 808 |
| Total domestic deposits to total assets | 81.9250% | 3,680 |
| Equity capital to assets | 10.7295% | 2,493 |
| Core capital (leverage) ratio | 10.4803% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,769,400 | 3,344 |
| Average earning assets | $145,926,400 | 3,316 |
| Average equity | $16,271,000 | 3,522 |
| Average total loans | $123,596,400 | 2,943 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 1,018 |
| Cost of funding earning assets | 1.3562% | 187 |
| Net interest margin | 3.3633% | 3,013 |
| Noninterest income to average assets | 0.2961% | 3,709 |
| Noninterest expense to average assets | 1.9551% | 4,242 |
| Loan and lease loss provision to assets | 0.1568% | 2,443 |
| Net operating income to assets | 1.0894% | 2,018 |
| Return on assets (ROA) | 1.0894% | 2,146 |
| Pretax return on assets | 1.3611% | 1,850 |
| Return on Equity (ROE) | 10.4192% | 1,868 |
| Retained earnings to average equity (ytd only) | 10.4192% | 685 |
| Net charge-offs to loans | -0.0553% | 4,698 |
| Credit loss provision to net charge-offs | -346.1538% | 3,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2939% | 3,880 |
| Assets per employee ($millions) | 5.8537% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 803 |
| Loan loss allowance to noncurrent loans | 149.0454% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 933 |
| Noncurrent loans to loans | 1.1755% | 1,290 |
| Net loans and leases to total assets | 80.3308% | 583 |
| Net loans and leases to deposits | 98.3348% | 604 |
| Net loans and leases to core deposits | 118.8115% | 442 |
| Total domestic deposits to total assets | 81.6911% | 3,497 |
| Equity capital to assets | 10.6195% | 2,691 |
| Core capital (leverage) ratio | 10.0182% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,103,500 | 3,346 |
| Average earning assets | $144,614,500 | 3,311 |
| Average equity | $16,008,500 | 3,551 |
| Average total loans | $125,369,000 | 2,924 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7584% | 1,261 |
| Cost of funding earning assets | 1.4514% | 187 |
| Net interest margin | 3.3070% | 3,365 |
| Noninterest income to average assets | 0.4146% | 2,993 |
| Noninterest expense to average assets | 2.0270% | 4,177 |
| Loan and lease loss provision to assets | 0.1585% | 2,412 |
| Net operating income to assets | 1.0908% | 2,004 |
| Return on assets (ROA) | 1.0908% | 2,124 |
| Pretax return on assets | 1.3615% | 1,833 |
| Return on Equity (ROE) | 10.4889% | 1,813 |
| Retained earnings to average equity (ytd only) | 10.4889% | 693 |
| Net charge-offs to loans | -0.0838% | 4,812 |
| Credit loss provision to net charge-offs | -230.7692% | 3,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1482% | 3,794 |
| Assets per employee ($millions) | 5.9412% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 881 |
| Loan loss allowance to noncurrent loans | 146.1538% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 1.0978% | 1,044 |
| Noncurrent loans to loans | 1.1410% | 1,380 |
| Net loans and leases to total assets | 81.0139% | 498 |
| Net loans and leases to deposits | 104.2258% | 366 |
| Net loans and leases to core deposits | 126.2285% | 311 |
| Total domestic deposits to total assets | 77.7292% | 4,224 |
| Equity capital to assets | 10.1906% | 3,027 |
| Core capital (leverage) ratio | 10.1994% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5290% | 1,625 |
| Memoranda: | ||
| Average total assets | $151,455,000 | 3,343 |
| Average earning assets | $143,451,333 | 3,302 |
| Average equity | $15,750,000 | 3,578 |
| Average total loans | $124,083,333 | 2,928 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 1,656 |
| Cost of funding earning assets | 1.5655% | 215 |
| Net interest margin | 3.1541% | 3,970 |
| Noninterest income to average assets | 0.3075% | 3,672 |
| Noninterest expense to average assets | 2.1364% | 4,149 |
| Loan and lease loss provision to assets | 0.1633% | 1,782 |
| Net operating income to assets | 0.8165% | 2,850 |
| Return on assets (ROA) | 0.8165% | 2,936 |
| Pretax return on assets | 0.9797% | 2,904 |
| Return on Equity (ROE) | 7.7662% | 2,607 |
| Retained earnings to average equity (ytd only) | 7.7662% | 1,299 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1452% | 3,068 |
| Assets per employee ($millions) | 5.6503% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 806 |
| Loan loss allowance to noncurrent loans | 84.7307% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 2.9229% | 206 |
| Noncurrent loans to loans | 2.0537% | 677 |
| Net loans and leases to total assets | 80.4128% | 649 |
| Net loans and leases to deposits | 103.9528% | 367 |
| Net loans and leases to core deposits | 128.5707% | 288 |
| Total domestic deposits to total assets | 77.3551% | 4,315 |
| Equity capital to assets | 10.5563% | 3,271 |
| Core capital (leverage) ratio | 10.5827% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6875% | 1,689 |
| Memoranda: | ||
| Average total assets | $146,976,500 | 3,367 |
| Average earning assets | $138,485,500 | 3,329 |
| Average equity | $15,451,500 | 3,615 |
| Average total loans | $120,045,000 | 2,956 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0406% | 1,367 |
| Cost of funding earning assets | 1.5974% | 304 |
| Net interest margin | 3.4432% | 3,612 |
| Noninterest income to average assets | 0.1095% | 4,907 |
| Noninterest expense to average assets | 1.8932% | 4,675 |
| Loan and lease loss provision to assets | 0.1752% | 1,191 |
| Net operating income to assets | 0.9688% | 2,956 |
| Return on assets (ROA) | 0.9688% | 3,041 |
| Pretax return on assets | 1.3003% | 2,501 |
| Return on Equity (ROE) | 9.0452% | 2,736 |
| Retained earnings to average equity (ytd only) | 9.0452% | 696 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1985% | 4,178 |
| Assets per employee ($millions) | 5.6556% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6952% | 810 |
| Loan loss allowance to noncurrent loans | 56.3505% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 2.6305% | 236 |
| Noncurrent loans to loans | 3.0084% | 312 |
| Net loans and leases to total assets | 80.1341% | 763 |
| Net loans and leases to deposits | 106.6130% | 276 |
| Net loans and leases to core deposits | 133.1653% | 237 |
| Total domestic deposits to total assets | 75.1636% | 4,687 |
| Equity capital to assets | 10.4695% | 3,480 |
| Core capital (leverage) ratio | 10.3838% | 3,087 |
| Tier 1 risk-based capital ratio | 14.1483% | 3,186 |
| Total risk-based capital ratio | 15.4062% | 3,100 |
| Memoranda: | ||
| Average total assets | $136,967,400 | 3,481 |
| Average earning assets | $129,647,200 | 3,430 |
| Average equity | $14,670,800 | 3,664 |
| Average total loans | $116,192,200 | 2,991 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1328% | 1,199 |
| Cost of funding earning assets | 1.5776% | 324 |
| Net interest margin | 3.5553% | 3,387 |
| Noninterest income to average assets | 0.1041% | 4,970 |
| Noninterest expense to average assets | 1.9199% | 4,679 |
| Loan and lease loss provision to assets | 0.1785% | 1,031 |
| Net operating income to assets | 0.9788% | 3,059 |
| Return on assets (ROA) | 0.9788% | 3,135 |
| Pretax return on assets | 1.3715% | 2,418 |
| Return on Equity (ROE) | 9.0821% | 2,857 |
| Retained earnings to average equity (ytd only) | 9.0821% | 1,022 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3301% | 4,237 |
| Assets per employee ($millions) | 5.4567% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 835 |
| Loan loss allowance to noncurrent loans | 141.5650% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 1.2504% | 993 |
| Noncurrent loans to loans | 1.1962% | 1,308 |
| Net loans and leases to total assets | 80.6893% | 749 |
| Net loans and leases to deposits | 108.0644% | 267 |
| Net loans and leases to core deposits | 136.3580% | 223 |
| Total domestic deposits to total assets | 74.6678% | 4,770 |
| Equity capital to assets | 10.6044% | 3,465 |
| Core capital (leverage) ratio | 10.2435% | 3,371 |
| Tier 1 risk-based capital ratio | 14.0327% | 3,316 |
| Total risk-based capital ratio | 15.2900% | 3,217 |
| Memoranda: | ||
| Average total assets | $134,447,750 | 3,547 |
| Average earning assets | $127,282,250 | 3,502 |
| Average equity | $14,489,750 | 3,719 |
| Average total loans | $115,273,750 | 3,037 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 1,200 |
| Cost of funding earning assets | 1.4855% | 395 |
| Net interest margin | 3.6210% | 3,188 |
| Noninterest income to average assets | 0.1046% | 5,018 |
| Noninterest expense to average assets | 1.9277% | 4,710 |
| Loan and lease loss provision to assets | 0.1819% | 980 |
| Net operating income to assets | 0.9911% | 2,956 |
| Return on assets (ROA) | 0.9911% | 3,026 |
| Pretax return on assets | 1.4230% | 2,137 |
| Return on Equity (ROE) | 9.1439% | 2,799 |
| Retained earnings to average equity (ytd only) | 9.1439% | 993 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5689% | 4,405 |
| Assets per employee ($millions) | 5.5005% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 3,471 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 80.8145% | 754 |
| Net loans and leases to deposits | 107.8647% | 278 |
| Net loans and leases to core deposits | 133.9204% | 259 |
| Total domestic deposits to total assets | 74.9220% | 4,772 |
| Equity capital to assets | 10.2605% | 3,736 |
| Core capital (leverage) ratio | 10.5318% | 3,053 |
| Tier 1 risk-based capital ratio | 13.6076% | 3,525 |
| Total risk-based capital ratio | 14.8642% | 3,418 |
| Memoranda: | ||
| Average total assets | $131,972,000 | 3,599 |
| Average earning assets | $124,937,330 | 3,548 |
| Average equity | $14,304,670 | 3,748 |
| Average total loans | $114,881,670 | 3,057 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1145% | 1,073 |
| Cost of funding earning assets | 1.3763% | 499 |
| Net interest margin | 3.7382% | 2,751 |
| Noninterest income to average assets | 0.1076% | 5,051 |
| Noninterest expense to average assets | 1.9549% | 4,722 |
| Loan and lease loss provision to assets | 0.1898% | 858 |
| Net operating income to assets | 1.0407% | 2,690 |
| Return on assets (ROA) | 1.0407% | 2,732 |
| Pretax return on assets | 1.5026% | 1,758 |
| Return on Equity (ROE) | 9.3201% | 2,664 |
| Retained earnings to average equity (ytd only) | 9.3201% | 1,219 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5993% | 4,570 |
| Assets per employee ($millions) | 5.0576% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 3,358 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 87.2825% | 133 |
| Net loans and leases to deposits | 120.2768% | 84 |
| Net loans and leases to core deposits | 139.1870% | 195 |
| Total domestic deposits to total assets | 72.5680% | 5,017 |
| Equity capital to assets | 11.3152% | 2,545 |
| Core capital (leverage) ratio | 11.1820% | 2,405 |
| Tier 1 risk-based capital ratio | 14.2971% | 3,194 |
| Total risk-based capital ratio | 15.5547% | 3,122 |
| Memoranda: | ||
| Average total assets | $126,451,000 | 3,704 |
| Average earning assets | $119,738,000 | 3,660 |
| Average equity | $14,120,000 | 3,781 |
| Average total loans | $113,578,500 | 3,108 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 1,283 |
| Cost of funding earning assets | 1.0274% | 677 |
| Net interest margin | 3.8741% | 2,413 |
| Noninterest income to average assets | 0.1025% | 5,142 |
| Noninterest expense to average assets | 2.0052% | 4,742 |
| Loan and lease loss provision to assets | 0.1952% | 972 |
| Net operating income to assets | 1.0538% | 2,787 |
| Return on assets (ROA) | 1.0538% | 2,774 |
| Pretax return on assets | 1.5539% | 1,609 |
| Return on Equity (ROE) | 9.7757% | 2,615 |
| Retained earnings to average equity (ytd only) | 9.7757% | 660 |
| Net charge-offs to loans | -0.0018% | 4,224 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4113% | 4,669 |
| Assets per employee ($millions) | 4.8639% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5590% | 1,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 3,296 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 89.4759% | 71 |
| Net loans and leases to deposits | 119.9659% | 97 |
| Net loans and leases to core deposits | 137.5169% | 222 |
| Total domestic deposits to total assets | 74.5845% | 4,908 |
| Equity capital to assets | 11.0175% | 2,672 |
| Core capital (leverage) ratio | 11.1320% | 2,411 |
| Tier 1 risk-based capital ratio | 13.5371% | 3,527 |
| Total risk-based capital ratio | 14.7934% | 3,430 |
| Memoranda: | ||
| Average total assets | $122,981,800 | 3,744 |
| Average earning assets | $115,923,000 | 3,720 |
| Average equity | $13,257,400 | 3,847 |
| Average total loans | $108,957,800 | 3,147 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 1,359 |
| Cost of funding earning assets | 0.9670% | 694 |
| Net interest margin | 3.8587% | 2,441 |
| Noninterest income to average assets | 0.1037% | 5,203 |
| Noninterest expense to average assets | 2.0647% | 4,613 |
| Loan and lease loss provision to assets | 0.1965% | 892 |
| Net operating income to assets | 0.9991% | 3,087 |
| Return on assets (ROA) | 0.9991% | 3,101 |
| Pretax return on assets | 1.4762% | 1,982 |
| Return on Equity (ROE) | 9.3209% | 2,946 |
| Retained earnings to average equity (ytd only) | 9.3209% | 1,108 |
| Net charge-offs to loans | -0.0025% | 4,115 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2439% | 4,484 |
| Assets per employee ($millions) | 5.3819% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 1,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 3,342 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 86.9668% | 191 |
| Net loans and leases to deposits | 109.5930% | 300 |
| Net loans and leases to core deposits | 125.6783% | 420 |
| Total domestic deposits to total assets | 79.3544% | 4,244 |
| Equity capital to assets | 10.9271% | 2,726 |
| Core capital (leverage) ratio | 11.1647% | 2,438 |
| Tier 1 risk-based capital ratio | 13.7684% | 3,478 |
| Total risk-based capital ratio | 15.0251% | 3,391 |
| Memoranda: | ||
| Average total assets | $122,111,750 | 3,796 |
| Average earning assets | $114,991,500 | 3,768 |
| Average equity | $13,088,500 | 3,904 |
| Average total loans | $107,461,000 | 3,202 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 1,392 |
| Cost of funding earning assets | 0.9228% | 660 |
| Net interest margin | 3.8242% | 2,486 |
| Noninterest income to average assets | 0.1020% | 5,265 |
| Noninterest expense to average assets | 2.0731% | 4,671 |
| Loan and lease loss provision to assets | 0.1974% | 872 |
| Net operating income to assets | 0.9625% | 3,181 |
| Return on assets (ROA) | 0.9625% | 3,184 |
| Pretax return on assets | 1.4249% | 2,070 |
| Return on Equity (ROE) | 9.0399% | 2,997 |
| Retained earnings to average equity (ytd only) | 9.0399% | 1,203 |
| Net charge-offs to loans | -0.0037% | 4,043 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0997% | 4,464 |
| Assets per employee ($millions) | 5.1374% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 1,140 |
| Loan loss allowance to noncurrent loans | 894.1176% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 2,441 |
| Noncurrent loans to loans | 0.1780% | 4,107 |
| Net loans and leases to total assets | 87.4771% | 172 |
| Net loans and leases to deposits | 108.0660% | 348 |
| Net loans and leases to core deposits | 122.9795% | 488 |
| Total domestic deposits to total assets | 80.9479% | 4,012 |
| Equity capital to assets | 11.1789% | 2,477 |
| Core capital (leverage) ratio | 10.8964% | 2,617 |
| Tier 1 risk-based capital ratio | 13.3772% | 3,691 |
| Total risk-based capital ratio | 14.6330% | 3,605 |
| Memoranda: | ||
| Average total assets | $121,554,330 | 3,835 |
| Average earning assets | $114,220,330 | 3,809 |
| Average equity | $12,942,670 | 3,940 |
| Average total loans | $106,820,330 | 3,225 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6717% | 1,373 |
| Cost of funding earning assets | 0.8798% | 662 |
| Net interest margin | 3.7919% | 2,457 |
| Noninterest income to average assets | 0.0876% | 5,370 |
| Noninterest expense to average assets | 2.0154% | 4,825 |
| Loan and lease loss provision to assets | 0.1947% | 858 |
| Net operating income to assets | 0.9769% | 2,951 |
| Return on assets (ROA) | 0.9769% | 2,980 |
| Pretax return on assets | 1.4442% | 1,852 |
| Return on Equity (ROE) | 9.3993% | 2,717 |
| Retained earnings to average equity (ytd only) | 9.3993% | 1,329 |
| Net charge-offs to loans | -0.0074% | 4,140 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1510% | 4,680 |
| Assets per employee ($millions) | 5.1005% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 1,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 3,139 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 86.4262% | 230 |
| Net loans and leases to deposits | 105.2047% | 421 |
| Net loans and leases to core deposits | 117.1800% | 686 |
| Total domestic deposits to total assets | 82.1504% | 3,912 |
| Equity capital to assets | 10.5700% | 3,002 |
| Core capital (leverage) ratio | 10.3474% | 3,123 |
| Tier 1 risk-based capital ratio | 12.8391% | 4,042 |
| Total risk-based capital ratio | 14.0942% | 3,928 |
| Memoranda: | ||
| Average total assets | $123,251,500 | 3,845 |
| Average earning assets | $115,931,500 | 3,814 |
| Average equity | $12,809,500 | 3,994 |
| Average total loans | $107,713,000 | 3,235 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 1,121 |
| Cost of funding earning assets | 0.7656% | 760 |
| Net interest margin | 3.9666% | 1,859 |
| Noninterest income to average assets | 0.1082% | 5,380 |
| Noninterest expense to average assets | 2.0858% | 4,794 |
| Loan and lease loss provision to assets | 0.2623% | 698 |
| Net operating income to assets | 0.8303% | 3,031 |
| Return on assets (ROA) | 0.8303% | 3,068 |
| Pretax return on assets | 1.4745% | 1,738 |
| Return on Equity (ROE) | 7.8614% | 2,857 |
| Retained earnings to average equity (ytd only) | 7.8614% | 813 |
| Net charge-offs to loans | -0.0060% | 4,675 |
| Credit loss provision to net charge-offs | -5,050.0000% | 5,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5640% | 4,899 |
| Assets per employee ($millions) | 5.1705% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 1,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4190% | 3,191 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 85.7983% | 271 |
| Net loans and leases to deposits | 103.7619% | 499 |
| Net loans and leases to core deposits | 114.7111% | 769 |
| Total domestic deposits to total assets | 82.6877% | 3,662 |
| Equity capital to assets | 10.2183% | 3,474 |
| Core capital (leverage) ratio | 10.3502% | 3,014 |
| Tier 1 risk-based capital ratio | 11.8746% | 4,613 |
| Total risk-based capital ratio | 13.1285% | 4,494 |
| Memoranda: | ||
| Average total assets | $115,497,000 | 3,970 |
| Average earning assets | $108,153,000 | 3,948 |
| Average equity | $12,198,800 | 4,109 |
| Average total loans | $99,299,400 | 3,365 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7011% | 1,131 |
| Cost of funding earning assets | 0.7381% | 810 |
| Net interest margin | 3.9631% | 1,822 |
| Noninterest income to average assets | 0.1235% | 5,385 |
| Noninterest expense to average assets | 2.1420% | 4,649 |
| Loan and lease loss provision to assets | 0.3211% | 478 |
| Net operating income to assets | 0.8481% | 3,279 |
| Return on assets (ROA) | 0.8481% | 3,330 |
| Pretax return on assets | 1.3680% | 2,226 |
| Return on Equity (ROE) | 7.9589% | 3,141 |
| Retained earnings to average equity (ytd only) | 7.9589% | 1,238 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9103% | 4,752 |
| Assets per employee ($millions) | 4.9337% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 1,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 3,226 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 85.5973% | 284 |
| Net loans and leases to deposits | 104.6689% | 466 |
| Net loans and leases to core deposits | 119.1685% | 616 |
| Total domestic deposits to total assets | 81.7791% | 3,839 |
| Equity capital to assets | 10.5390% | 3,331 |
| Core capital (leverage) ratio | 10.6431% | 2,833 |
| Tier 1 risk-based capital ratio | 12.5787% | 4,270 |
| Total risk-based capital ratio | 13.8336% | 4,173 |
| Memoranda: | ||
| Average total assets | $113,348,500 | 4,049 |
| Average earning assets | $106,042,750 | 4,025 |
| Average equity | $12,078,500 | 4,162 |
| Average total loans | $97,119,750 | 3,424 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7162% | 1,024 |
| Cost of funding earning assets | 0.7148% | 826 |
| Net interest margin | 4.0014% | 1,599 |
| Noninterest income to average assets | 0.1128% | 5,474 |
| Noninterest expense to average assets | 2.1726% | 4,622 |
| Loan and lease loss provision to assets | 0.4352% | 287 |
| Net operating income to assets | 0.7756% | 3,517 |
| Return on assets (ROA) | 0.7756% | 3,567 |
| Pretax return on assets | 1.2448% | 2,609 |
| Return on Equity (ROE) | 7.2499% | 3,424 |
| Retained earnings to average equity (ytd only) | 7.2499% | 1,474 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3924% | 4,781 |
| Assets per employee ($millions) | 4.4082% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 1,507 |
| Loan loss allowance to noncurrent loans | 3,805.1282% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 3,030 |
| Noncurrent loans to loans | 0.0400% | 4,995 |
| Net loans and leases to total assets | 87.0588% | 198 |
| Net loans and leases to deposits | 101.2313% | 661 |
| Net loans and leases to core deposits | 114.7779% | 764 |
| Total domestic deposits to total assets | 85.9999% | 2,377 |
| Equity capital to assets | 11.0711% | 2,732 |
| Core capital (leverage) ratio | 10.7398% | 2,664 |
| Tier 1 risk-based capital ratio | 13.3076% | 3,795 |
| Total risk-based capital ratio | 14.5626% | 3,712 |
| Memoranda: | ||
| Average total assets | $111,662,000 | 4,104 |
| Average earning assets | $104,364,670 | 4,088 |
| Average equity | $11,945,000 | 4,197 |
| Average total loans | $95,203,670 | 3,469 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7105% | 920 |
| Cost of funding earning assets | 0.7018% | 836 |
| Net interest margin | 4.0087% | 1,453 |
| Noninterest income to average assets | 0.0925% | 5,615 |
| Noninterest expense to average assets | 2.1675% | 4,730 |
| Loan and lease loss provision to assets | 0.5694% | 171 |
| Net operating income to assets | 0.6869% | 3,761 |
| Return on assets (ROA) | 0.6869% | 3,797 |
| Pretax return on assets | 1.0962% | 3,004 |
| Return on Equity (ROE) | 6.5330% | 3,645 |
| Retained earnings to average equity (ytd only) | 6.5330% | 2,059 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5460% | 4,882 |
| Assets per employee ($millions) | 4.8426% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,803 |
| Loan loss allowance to noncurrent loans | 433.7461% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.7703% | 2,375 |
| Noncurrent loans to loans | 0.3387% | 3,886 |
| Net loans and leases to total assets | 84.3696% | 330 |
| Net loans and leases to deposits | 97.0684% | 843 |
| Net loans and leases to core deposits | 110.3193% | 867 |
| Total domestic deposits to total assets | 86.9176% | 2,258 |
| Equity capital to assets | 10.7049% | 2,955 |
| Core capital (leverage) ratio | 10.4344% | 2,979 |
| Tier 1 risk-based capital ratio | 13.5927% | 3,726 |
| Total risk-based capital ratio | 14.8477% | 3,637 |
| Memoranda: | ||
| Average total assets | $112,390,000 | 4,123 |
| Average earning assets | $104,872,000 | 4,108 |
| Average equity | $11,817,000 | 4,247 |
| Average total loans | $94,091,500 | 3,512 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 2,494 |
| Cost of funding earning assets | 0.6564% | 1,021 |
| Net interest margin | 3.5412% | 3,281 |
| Noninterest income to average assets | 0.0978% | 5,652 |
| Noninterest expense to average assets | 2.1546% | 4,877 |
| Loan and lease loss provision to assets | 0.1107% | 2,219 |
| Net operating income to assets | 0.7336% | 3,628 |
| Return on assets (ROA) | 0.7336% | 3,738 |
| Pretax return on assets | 1.1728% | 2,788 |
| Return on Equity (ROE) | 7.0114% | 3,459 |
| Retained earnings to average equity (ytd only) | 6.0854% | 1,663 |
| Net charge-offs to loans | 0.0648% | 2,769 |
| Credit loss provision to net charge-offs | 203.3898% | 1,393 |
| Earnings coverage of net charge-offs (x) | 23.5763% | 1,671 |
| Efficiency ratio | 62.6677% | 4,152 |
| Assets per employee ($millions) | 4.9305% | 2,467 |
| Cash dividends to net income (ytd only)* | 13.2075% | 3,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 2,348 |
| Loan loss allowance to noncurrent loans | 46.9365% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 2.8060% | 388 |
| Noncurrent loans to loans | 2.8488% | 501 |
| Net loans and leases to total assets | 80.7497% | 775 |
| Net loans and leases to deposits | 92.1738% | 1,432 |
| Net loans and leases to core deposits | 104.0485% | 1,275 |
| Total domestic deposits to total assets | 87.6059% | 1,827 |
| Equity capital to assets | 10.3271% | 3,354 |
| Core capital (leverage) ratio | 10.7099% | 2,643 |
| Tier 1 risk-based capital ratio | 13.0151% | 4,069 |
| Total risk-based capital ratio | 14.2683% | 3,971 |
| Memoranda: | ||
| Average total assets | $108,373,000 | 4,203 |
| Average earning assets | $102,224,400 | 4,160 |
| Average equity | $11,338,600 | 4,371 |
| Average total loans | $91,034,000 | 3,556 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2317% | 2,405 |
| Cost of funding earning assets | 0.6549% | 1,035 |
| Net interest margin | 3.5768% | 3,171 |
| Noninterest income to average assets | 0.1344% | 5,579 |
| Noninterest expense to average assets | 2.1546% | 4,883 |
| Loan and lease loss provision to assets | 0.1120% | 2,053 |
| Net operating income to assets | 0.7817% | 3,446 |
| Return on assets (ROA) | 0.7817% | 3,590 |
| Pretax return on assets | 1.2534% | 2,607 |
| Return on Equity (ROE) | 7.4457% | 3,326 |
| Retained earnings to average equity (ytd only) | 6.2009% | 2,061 |
| Net charge-offs to loans | 0.0868% | 2,095 |
| Credit loss provision to net charge-offs | 152.5424% | 1,747 |
| Earnings coverage of net charge-offs (x) | 18.5943% | 1,984 |
| Efficiency ratio | 61.2093% | 4,354 |
| Assets per employee ($millions) | 4.2970% | 3,418 |
| Cash dividends to net income (ytd only)* | 16.7202% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,515 |
| Loan loss allowance to noncurrent loans | 40.9814% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 3.2553% | 329 |
| Noncurrent loans to loans | 3.2546% | 429 |
| Net loans and leases to total assets | 83.3912% | 471 |
| Net loans and leases to deposits | 95.4849% | 1,098 |
| Net loans and leases to core deposits | 108.6671% | 1,008 |
| Total domestic deposits to total assets | 87.3344% | 1,744 |
| Equity capital to assets | 10.7526% | 3,308 |
| Core capital (leverage) ratio | 10.2719% | 3,254 |
| Tier 1 risk-based capital ratio | 13.3377% | 3,960 |
| Total risk-based capital ratio | 14.5904% | 3,870 |
| Memoranda: | ||
| Average total assets | $107,116,000 | 4,261 |
| Average earning assets | $101,392,000 | 4,206 |
| Average equity | $11,245,500 | 4,422 |
| Average total loans | $90,589,500 | 3,580 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 2,950 |
| Cost of funding earning assets | 0.6358% | 1,110 |
| Net interest margin | 3.4436% | 3,713 |
| Noninterest income to average assets | 0.1364% | 5,624 |
| Noninterest expense to average assets | 2.1175% | 5,021 |
| Loan and lease loss provision to assets | 0.1121% | 2,002 |
| Net operating income to assets | 0.7308% | 3,647 |
| Return on assets (ROA) | 0.7308% | 3,806 |
| Pretax return on assets | 1.1662% | 2,921 |
| Return on Equity (ROE) | 7.0174% | 3,526 |
| Retained earnings to average equity (ytd only) | 5.1330% | 2,640 |
| Net charge-offs to loans | 0.1304% | 1,547 |
| Credit loss provision to net charge-offs | 101.6949% | 2,067 |
| Earnings coverage of net charge-offs (x) | 11.5932% | 2,248 |
| Efficiency ratio | 62.3555% | 4,288 |
| Assets per employee ($millions) | 4.5781% | 2,900 |
| Cash dividends to net income (ytd only)* | 26.8542% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 2,733 |
| Loan loss allowance to noncurrent loans | 34.9822% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 3.0817% | 389 |
| Noncurrent loans to loans | 3.7431% | 342 |
| Net loans and leases to total assets | 81.0121% | 749 |
| Net loans and leases to deposits | 93.3754% | 1,360 |
| Net loans and leases to core deposits | 106.5655% | 1,135 |
| Total domestic deposits to total assets | 86.7595% | 2,031 |
| Equity capital to assets | 10.3072% | 3,850 |
| Core capital (leverage) ratio | 10.3724% | 3,109 |
| Tier 1 risk-based capital ratio | 12.7373% | 4,359 |
| Total risk-based capital ratio | 13.9892% | 4,260 |
| Memoranda: | ||
| Average total assets | $107,013,000 | 4,289 |
| Average earning assets | $101,289,670 | 4,245 |
| Average equity | $11,143,670 | 4,471 |
| Average total loans | $90,521,330 | 3,597 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 2,840 |
| Cost of funding earning assets | 0.6293% | 1,156 |
| Net interest margin | 3.4714% | 3,583 |
| Noninterest income to average assets | 0.0947% | 5,838 |
| Noninterest expense to average assets | 2.0913% | 5,131 |
| Loan and lease loss provision to assets | 0.1137% | 1,842 |
| Net operating income to assets | 0.7350% | 3,564 |
| Return on assets (ROA) | 0.7350% | 3,668 |
| Pretax return on assets | 1.1707% | 2,818 |
| Return on Equity (ROE) | 7.0207% | 3,443 |
| Retained earnings to average equity (ytd only) | 3.2208% | 3,890 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9529% | 4,450 |
| Assets per employee ($millions) | 4.3805% | 3,275 |
| Cash dividends to net income (ytd only)* | 54.1237% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 2,872 |
| Loan loss allowance to noncurrent loans | 33.2783% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 3.4681% | 325 |
| Noncurrent loans to loans | 3.9242% | 316 |
| Net loans and leases to total assets | 86.9839% | 167 |
| Net loans and leases to deposits | 101.2399% | 548 |
| Net loans and leases to core deposits | 114.5364% | 646 |
| Total domestic deposits to total assets | 85.9185% | 2,701 |
| Equity capital to assets | 10.5678% | 3,406 |
| Core capital (leverage) ratio | 10.3007% | 3,194 |
| Tier 1 risk-based capital ratio | 12.3610% | 4,686 |
| Total risk-based capital ratio | 13.6139% | 4,578 |
| Memoranda: | ||
| Average total assets | $105,582,000 | 4,352 |
| Average earning assets | $99,786,500 | 4,304 |
| Average equity | $11,053,000 | 4,496 |
| Average total loans | $90,685,500 | 3,608 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2213% | 2,490 |
| Cost of funding earning assets | 0.6229% | 1,216 |
| Net interest margin | 3.5983% | 3,142 |
| Noninterest income to average assets | 0.1399% | 5,714 |
| Noninterest expense to average assets | 2.1813% | 5,084 |
| Loan and lease loss provision to assets | 0.1216% | 1,972 |
| Net operating income to assets | 0.7646% | 3,498 |
| Return on assets (ROA) | 0.7724% | 3,531 |
| Pretax return on assets | 1.2275% | 2,556 |
| Return on Equity (ROE) | 7.1695% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.1695% | 1,204 |
| Net charge-offs to loans | -0.0024% | 4,893 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9994% | 4,603 |
| Assets per employee ($millions) | 4.4180% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 2,757 |
| Loan loss allowance to noncurrent loans | 190.9385% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.9092% | 2,385 |
| Noncurrent loans to loans | 0.6966% | 3,104 |
| Net loans and leases to total assets | 82.5535% | 542 |
| Net loans and leases to deposits | 95.3228% | 1,085 |
| Net loans and leases to core deposits | 103.9609% | 1,222 |
| Total domestic deposits to total assets | 86.6042% | 2,322 |
| Equity capital to assets | 10.3704% | 3,540 |
| Core capital (leverage) ratio | 10.4207% | 3,034 |
| Tier 1 risk-based capital ratio | 12.5842% | 4,576 |
| Total risk-based capital ratio | 13.8376% | 4,471 |
| Memoranda: | ||
| Average total assets | $98,658,800 | 4,485 |
| Average earning assets | $92,625,800 | 4,459 |
| Average equity | $10,628,400 | 4,549 |
| Average total loans | $82,009,400 | 3,776 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2462% | 2,421 |
| Cost of funding earning assets | 0.6211% | 1,268 |
| Net interest margin | 3.6251% | 3,056 |
| Noninterest income to average assets | 0.1432% | 5,764 |
| Noninterest expense to average assets | 2.2048% | 5,041 |
| Loan and lease loss provision to assets | 0.1239% | 1,836 |
| Net operating income to assets | 0.7648% | 3,613 |
| Return on assets (ROA) | 0.7753% | 3,642 |
| Pretax return on assets | 1.2312% | 2,691 |
| Return on Equity (ROE) | 7.1243% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.1243% | 1,631 |
| Net charge-offs to loans | -0.0017% | 4,683 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2231% | 4,533 |
| Assets per employee ($millions) | 4.2753% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 2,816 |
| Loan loss allowance to noncurrent loans | 157.9670% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 1.0942% | 2,165 |
| Noncurrent loans to loans | 0.8587% | 2,829 |
| Net loans and leases to total assets | 85.0508% | 300 |
| Net loans and leases to deposits | 98.2404% | 798 |
| Net loans and leases to core deposits | 107.3967% | 1,010 |
| Total domestic deposits to total assets | 86.5742% | 2,245 |
| Equity capital to assets | 10.9983% | 3,032 |
| Core capital (leverage) ratio | 10.7512% | 2,770 |
| Tier 1 risk-based capital ratio | 13.0073% | 4,424 |
| Total risk-based capital ratio | 14.2615% | 4,347 |
| Memoranda: | ||
| Average total assets | $96,815,250 | 4,570 |
| Average earning assets | $90,809,000 | 4,533 |
| Average equity | $10,536,500 | 4,614 |
| Average total loans | $80,333,250 | 3,846 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1707% | 2,647 |
| Cost of funding earning assets | 0.6116% | 1,333 |
| Net interest margin | 3.5590% | 3,251 |
| Noninterest income to average assets | 0.1537% | 5,791 |
| Noninterest expense to average assets | 2.1971% | 5,125 |
| Loan and lease loss provision to assets | 0.1246% | 1,776 |
| Net operating income to assets | 0.7358% | 3,709 |
| Return on assets (ROA) | 0.7517% | 3,734 |
| Pretax return on assets | 1.1920% | 2,809 |
| Return on Equity (ROE) | 6.9324% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.9324% | 1,727 |
| Net charge-offs to loans | -0.0025% | 4,617 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9762% | 4,523 |
| Assets per employee ($millions) | 4.4515% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 3,091 |
| Loan loss allowance to noncurrent loans | 153.4979% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 1.1437% | 2,218 |
| Noncurrent loans to loans | 0.8652% | 2,964 |
| Net loans and leases to total assets | 84.8977% | 299 |
| Net loans and leases to deposits | 98.7048% | 736 |
| Net loans and leases to core deposits | 109.8846% | 841 |
| Total domestic deposits to total assets | 86.0117% | 2,690 |
| Equity capital to assets | 10.8279% | 3,080 |
| Core capital (leverage) ratio | 10.7897% | 2,624 |
| Tier 1 risk-based capital ratio | 12.2941% | 4,940 |
| Total risk-based capital ratio | 13.5468% | 4,841 |
| Memoranda: | ||
| Average total assets | $96,309,330 | 4,627 |
| Average earning assets | $90,249,000 | 4,590 |
| Average equity | $10,443,670 | 4,662 |
| Average total loans | $78,850,000 | 3,923 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 2,807 |
| Cost of funding earning assets | 0.6179% | 1,320 |
| Net interest margin | 3.4880% | 3,489 |
| Noninterest income to average assets | 0.1592% | 5,782 |
| Noninterest expense to average assets | 2.2074% | 5,122 |
| Loan and lease loss provision to assets | 0.1257% | 1,651 |
| Net operating income to assets | 0.6966% | 3,818 |
| Return on assets (ROA) | 0.7288% | 3,786 |
| Pretax return on assets | 1.1393% | 2,909 |
| Return on Equity (ROE) | 6.7159% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.7159% | 2,142 |
| Net charge-offs to loans | -0.0053% | 4,509 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5043% | 4,398 |
| Assets per employee ($millions) | 4.2855% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 2,941 |
| Loan loss allowance to noncurrent loans | 163.5135% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 1.1232% | 2,388 |
| Noncurrent loans to loans | 0.8531% | 3,113 |
| Net loans and leases to total assets | 81.6483% | 496 |
| Net loans and leases to deposits | 94.2526% | 953 |
| Net loans and leases to core deposits | 105.4435% | 974 |
| Total domestic deposits to total assets | 86.6271% | 2,589 |
| Equity capital to assets | 11.0766% | 2,886 |
| Core capital (leverage) ratio | 10.5636% | 2,892 |
| Tier 1 risk-based capital ratio | 13.1780% | 4,516 |
| Total risk-based capital ratio | 14.4181% | 4,427 |
| Memoranda: | ||
| Average total assets | $95,498,000 | 4,676 |
| Average earning assets | $89,335,500 | 4,648 |
| Average equity | $10,363,500 | 4,713 |
| Average total loans | $76,144,500 | 4,017 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 2,531 |
| Cost of funding earning assets | 0.5915% | 1,841 |
| Net interest margin | 3.7279% | 2,890 |
| Noninterest income to average assets | 0.1434% | 5,978 |
| Noninterest expense to average assets | 2.2747% | 5,177 |
| Loan and lease loss provision to assets | 0.0430% | 3,707 |
| Net operating income to assets | 0.8272% | 3,240 |
| Return on assets (ROA) | 0.8272% | 3,332 |
| Pretax return on assets | 1.2838% | 2,296 |
| Return on Equity (ROE) | 6.9774% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.9774% | 1,419 |
| Net charge-offs to loans | 0.0655% | 3,548 |
| Credit loss provision to net charge-offs | 83.7209% | 2,789 |
| Earnings coverage of net charge-offs (x) | 25.8140% | 1,489 |
| Efficiency ratio | 63.1596% | 4,728 |
| Assets per employee ($millions) | 4.3962% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 2,820 |
| Loan loss allowance to noncurrent loans | 329.5950% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 3,355 |
| Noncurrent loans to loans | 0.4325% | 4,349 |
| Net loans and leases to total assets | 75.6483% | 1,321 |
| Net loans and leases to deposits | 87.3298% | 1,808 |
| Net loans and leases to core deposits | 97.7201% | 1,571 |
| Total domestic deposits to total assets | 86.6237% | 2,496 |
| Equity capital to assets | 10.6332% | 3,320 |
| Core capital (leverage) ratio | 10.7025% | 2,715 |
| Tier 1 risk-based capital ratio | 13.0517% | 4,695 |
| Total risk-based capital ratio | 14.3039% | 4,608 |
| Memoranda: | ||
| Average total assets | $83,658,000 | 4,967 |
| Average earning assets | $77,604,200 | 4,937 |
| Average equity | $9,917,800 | 4,767 |
| Average total loans | $65,599,800 | 4,315 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3929% | 2,249 |
| Cost of funding earning assets | 0.6007% | 1,825 |
| Net interest margin | 3.7922% | 2,646 |
| Noninterest income to average assets | 0.1410% | 6,070 |
| Noninterest expense to average assets | 2.3384% | 5,003 |
| Loan and lease loss provision to assets | 0.0448% | 3,498 |
| Net operating income to assets | 0.8259% | 3,311 |
| Return on assets (ROA) | 0.8259% | 3,401 |
| Pretax return on assets | 1.2754% | 2,477 |
| Return on Equity (ROE) | 6.7572% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.7572% | 1,955 |
| Net charge-offs to loans | 0.0904% | 2,923 |
| Credit loss provision to net charge-offs | 62.7907% | 2,893 |
| Earnings coverage of net charge-offs (x) | 18.5123% | 1,834 |
| Efficiency ratio | 63.9166% | 4,555 |
| Assets per employee ($millions) | 4.0770% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 2,762 |
| Loan loss allowance to noncurrent loans | 328.8401% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 1.1481% | 2,653 |
| Noncurrent loans to loans | 0.4535% | 4,540 |
| Net loans and leases to total assets | 80.9290% | 618 |
| Net loans and leases to deposits | 94.8450% | 971 |
| Net loans and leases to core deposits | 104.7754% | 1,047 |
| Total domestic deposits to total assets | 85.3277% | 3,197 |
| Equity capital to assets | 11.7885% | 2,227 |
| Core capital (leverage) ratio | 11.7146% | 1,903 |
| Tier 1 risk-based capital ratio | 13.4304% | 4,588 |
| Total risk-based capital ratio | 14.6825% | 4,527 |
| Memoranda: | ||
| Average total assets | $80,393,500 | 5,112 |
| Average earning assets | $74,572,500 | 5,086 |
| Average equity | $9,826,250 | 4,825 |
| Average total loans | $63,444,250 | 4,417 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 2,024 |
| Cost of funding earning assets | 0.6177% | 1,752 |
| Net interest margin | 3.8243% | 2,468 |
| Noninterest income to average assets | 0.1475% | 6,077 |
| Noninterest expense to average assets | 2.3852% | 4,923 |
| Loan and lease loss provision to assets | 0.0458% | 3,401 |
| Net operating income to assets | 0.8163% | 3,249 |
| Return on assets (ROA) | 0.8163% | 3,348 |
| Pretax return on assets | 1.2587% | 2,417 |
| Return on Equity (ROE) | 6.5932% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.5932% | 1,984 |
| Net charge-offs to loans | -0.0065% | 5,226 |
| Credit loss provision to net charge-offs | -900.0000% | 5,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6451% | 4,590 |
| Assets per employee ($millions) | 3.6384% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7292% | 2,040 |
| Loan loss allowance to noncurrent loans | 172.7707% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 1.2830% | 2,551 |
| Noncurrent loans to loans | 1.0009% | 3,231 |
| Net loans and leases to total assets | 77.0314% | 1,047 |
| Net loans and leases to deposits | 91.9748% | 1,152 |
| Net loans and leases to core deposits | 101.7223% | 1,155 |
| Total domestic deposits to total assets | 83.7527% | 4,014 |
| Equity capital to assets | 12.4057% | 1,702 |
| Core capital (leverage) ratio | 12.1015% | 1,604 |
| Tier 1 risk-based capital ratio | 14.3385% | 4,036 |
| Total risk-based capital ratio | 15.5926% | 3,972 |
| Memoranda: | ||
| Average total assets | $78,652,330 | 5,195 |
| Average earning assets | $72,850,670 | 5,163 |
| Average equity | $9,737,330 | 4,858 |
| Average total loans | $61,146,330 | 4,511 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,392 |
| Cost of funding earning assets | 0.6485% | 1,591 |
| Net interest margin | 3.6861% | 2,922 |
| Noninterest income to average assets | 0.1231% | 6,230 |
| Noninterest expense to average assets | 2.4373% | 4,822 |
| Loan and lease loss provision to assets | 0.0462% | 3,172 |
| Net operating income to assets | 0.6927% | 3,725 |
| Return on assets (ROA) | 0.6927% | 3,805 |
| Pretax return on assets | 1.0519% | 3,128 |
| Return on Equity (ROE) | 5.6011% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.6011% | 2,739 |
| Net charge-offs to loans | -0.0066% | 4,894 |
| Credit loss provision to net charge-offs | -900.0000% | 5,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9405% | 4,012 |
| Assets per employee ($millions) | 4.1345% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 2,039 |
| Loan loss allowance to noncurrent loans | 143.9090% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 1.4627% | 2,426 |
| Noncurrent loans to loans | 1.2510% | 2,949 |
| Net loans and leases to total assets | 74.6423% | 1,168 |
| Net loans and leases to deposits | 89.7426% | 1,183 |
| Net loans and leases to core deposits | 98.9671% | 1,178 |
| Total domestic deposits to total assets | 83.1738% | 4,542 |
| Equity capital to assets | 12.3746% | 1,641 |
| Core capital (leverage) ratio | 11.6898% | 1,835 |
| Tier 1 risk-based capital ratio | 14.5375% | 3,988 |
| Total risk-based capital ratio | 15.7921% | 3,931 |
| Memoranda: | ||
| Average total assets | $77,956,500 | 5,257 |
| Average earning assets | $72,163,000 | 5,221 |
| Average equity | $9,641,000 | 4,900 |
| Average total loans | $60,347,500 | 4,574 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 2,511 |
| Cost of funding earning assets | 0.6417% | 2,283 |
| Net interest margin | 3.7786% | 2,727 |
| Noninterest income to average assets | -0.0453% | 6,688 |
| Noninterest expense to average assets | 2.2715% | 5,456 |
| Loan and lease loss provision to assets | 0.1385% | 2,574 |
| Net operating income to assets | 0.6790% | 3,899 |
| Return on assets (ROA) | 0.6817% | 3,984 |
| Pretax return on assets | 1.0219% | 3,259 |
| Return on Equity (ROE) | 5.3156% | 4,489 |
| Retained earnings to average equity (ytd only) | 5.3156% | 2,411 |
| Net charge-offs to loans | 0.0267% | 4,886 |
| Credit loss provision to net charge-offs | 721.4286% | 339 |
| Earnings coverage of net charge-offs (x) | 60.2143% | 686 |
| Efficiency ratio | 66.2665% | 4,512 |
| Assets per employee ($millions) | 4.0714% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7464% | 2,250 |
| Loan loss allowance to noncurrent loans | 96.2060% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 2.0192% | 1,780 |
| Noncurrent loans to loans | 1.8152% | 2,217 |
| Net loans and leases to total assets | 77.4578% | 893 |
| Net loans and leases to deposits | 94.5527% | 834 |
| Net loans and leases to core deposits | 103.6948% | 929 |
| Total domestic deposits to total assets | 81.9202% | 4,904 |
| Equity capital to assets | 12.3596% | 1,588 |
| Core capital (leverage) ratio | 11.9471% | 1,645 |
| Tier 1 risk-based capital ratio | 13.9821% | 4,312 |
| Total risk-based capital ratio | 15.2373% | 4,245 |
| Memoranda: | ||
| Average total assets | $72,901,800 | 5,396 |
| Average earning assets | $67,008,400 | 5,375 |
| Average equity | $9,349,800 | 5,007 |
| Average total loans | $52,486,000 | 4,867 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 2,525 |
| Cost of funding earning assets | 0.6473% | 2,381 |
| Net interest margin | 3.7727% | 2,739 |
| Noninterest income to average assets | -0.0074% | 6,768 |
| Noninterest expense to average assets | 2.2696% | 5,436 |
| Loan and lease loss provision to assets | 0.1393% | 2,552 |
| Net operating income to assets | 0.7002% | 3,862 |
| Return on assets (ROA) | 0.7039% | 3,973 |
| Pretax return on assets | 1.0531% | 3,286 |
| Return on Equity (ROE) | 5.4353% | 4,504 |
| Retained earnings to average equity (ytd only) | 5.4353% | 2,771 |
| Net charge-offs to loans | 0.0821% | 3,775 |
| Credit loss provision to net charge-offs | 241.9355% | 1,020 |
| Earnings coverage of net charge-offs (x) | 20.6141% | 1,581 |
| Efficiency ratio | 65.6636% | 4,550 |
| Assets per employee ($millions) | 3.6581% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 2,368 |
| Loan loss allowance to noncurrent loans | 124.6341% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 1.7468% | 2,349 |
| Noncurrent loans to loans | 1.4281% | 3,021 |
| Net loans and leases to total assets | 77.0848% | 863 |
| Net loans and leases to deposits | 94.6496% | 779 |
| Net loans and leases to core deposits | 102.2649% | 978 |
| Total domestic deposits to total assets | 81.4423% | 5,104 |
| Equity capital to assets | 12.9359% | 1,360 |
| Core capital (leverage) ratio | 12.0438% | 1,647 |
| Tier 1 risk-based capital ratio | 14.2667% | 4,238 |
| Total risk-based capital ratio | 15.5214% | 4,179 |
| Memoranda: | ||
| Average total assets | $71,788,000 | 5,479 |
| Average earning assets | $65,909,750 | 5,459 |
| Average equity | $9,297,000 | 5,071 |
| Average total loans | $50,361,500 | 4,985 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 3,856 |
| Cost of funding earning assets | 0.6465% | 2,526 |
| Net interest margin | 3.4194% | 4,116 |
| Noninterest income to average assets | 0.1738% | 6,162 |
| Noninterest expense to average assets | 2.5964% | 4,400 |
| Loan and lease loss provision to assets | 0.1402% | 2,575 |
| Net operating income to assets | 0.4150% | 5,159 |
| Return on assets (ROA) | 0.4150% | 5,320 |
| Pretax return on assets | 0.5664% | 5,141 |
| Return on Equity (ROE) | 3.2030% | 5,544 |
| Retained earnings to average equity (ytd only) | 3.2030% | 4,275 |
| Net charge-offs to loans | 0.1333% | 3,043 |
| Credit loss provision to net charge-offs | 156.2500% | 1,478 |
| Earnings coverage of net charge-offs (x) | 7.8750% | 2,487 |
| Efficiency ratio | 78.6078% | 2,368 |
| Assets per employee ($millions) | 3.8886% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9678% | 1,918 |
| Loan loss allowance to noncurrent loans | 46.3256% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 3.8006% | 958 |
| Noncurrent loans to loans | 4.2478% | 873 |
| Net loans and leases to total assets | 67.1575% | 2,386 |
| Net loans and leases to deposits | 81.7457% | 2,088 |
| Net loans and leases to core deposits | 86.7918% | 2,252 |
| Total domestic deposits to total assets | 82.1542% | 5,004 |
| Equity capital to assets | 12.5347% | 1,556 |
| Core capital (leverage) ratio | 11.7624% | 1,757 |
| Tier 1 risk-based capital ratio | 15.3345% | 3,575 |
| Total risk-based capital ratio | 16.5904% | 3,528 |
| Memoranda: | ||
| Average total assets | $71,330,330 | 5,530 |
| Average earning assets | $65,274,000 | 5,520 |
| Average equity | $9,241,330 | 5,119 |
| Average total loans | $48,009,330 | 5,102 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 3,714 |
| Cost of funding earning assets | 0.6496% | 2,661 |
| Net interest margin | 3.4540% | 3,886 |
| Noninterest income to average assets | -0.0571% | 6,905 |
| Noninterest expense to average assets | 2.7008% | 4,058 |
| Loan and lease loss provision to assets | 0.1427% | 2,456 |
| Net operating income to assets | 0.2341% | 5,777 |
| Return on assets (ROA) | 0.2341% | 5,904 |
| Pretax return on assets | 0.2569% | 5,941 |
| Return on Equity (ROE) | 1.7765% | 6,007 |
| Retained earnings to average equity (ytd only) | 1.7765% | 5,099 |
| Net charge-offs to loans | 0.2227% | 2,098 |
| Credit loss provision to net charge-offs | 96.1538% | 1,925 |
| Earnings coverage of net charge-offs (x) | 2.6923% | 2,970 |
| Efficiency ratio | 87.1087% | 1,408 |
| Assets per employee ($millions) | 4.2485% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9789% | 2,104 |
| Loan loss allowance to noncurrent loans | 50.7006% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 3.6401% | 1,149 |
| Noncurrent loans to loans | 3.9032% | 1,172 |
| Net loans and leases to total assets | 67.0040% | 2,196 |
| Net loans and leases to deposits | 81.4395% | 1,904 |
| Net loans and leases to core deposits | 85.9541% | 2,110 |
| Total domestic deposits to total assets | 82.2746% | 5,101 |
| Equity capital to assets | 12.8005% | 1,531 |
| Core capital (leverage) ratio | 12.1969% | 1,465 |
| Tier 1 risk-based capital ratio | 15.3587% | 3,618 |
| Total risk-based capital ratio | 16.6160% | 3,566 |
| Memoranda: | ||
| Average total assets | $70,054,000 | 5,623 |
| Average earning assets | $64,041,500 | 5,613 |
| Average equity | $9,231,500 | 5,175 |
| Average total loans | $46,707,000 | 5,184 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7801% | 2,270 |
| Cost of funding earning assets | 0.7663% | 2,954 |
| Net interest margin | 4.0139% | 2,341 |
| Noninterest income to average assets | 0.1360% | 6,361 |
| Noninterest expense to average assets | 3.3328% | 2,246 |
| Loan and lease loss provision to assets | 0.1360% | 3,921 |
| Net operating income to assets | 0.2267% | 5,712 |
| Return on assets (ROA) | 0.2267% | 5,906 |
| Pretax return on assets | 0.2932% | 5,832 |
| Return on Equity (ROE) | 1.6315% | 5,995 |
| Retained earnings to average equity (ytd only) | 1.6315% | 5,051 |
| Net charge-offs to loans | 1.5114% | 583 |
| Credit loss provision to net charge-offs | 13.1387% | 5,365 |
| Earnings coverage of net charge-offs (x) | 0.4146% | 5,277 |
| Efficiency ratio | 88.5898% | 1,187 |
| Assets per employee ($millions) | 3.9932% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2205% | 1,527 |
| Loan loss allowance to noncurrent loans | 118.6893% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 2.3142% | 2,124 |
| Noncurrent loans to loans | 1.8709% | 2,833 |
| Net loans and leases to total assets | 63.4406% | 2,987 |
| Net loans and leases to deposits | 77.0991% | 2,641 |
| Net loans and leases to core deposits | 81.6541% | 2,802 |
| Total domestic deposits to total assets | 82.2845% | 4,997 |
| Equity capital to assets | 13.5790% | 1,201 |
| Core capital (leverage) ratio | 12.2347% | 1,437 |
| Tier 1 risk-based capital ratio | 15.9468% | 3,192 |
| Total risk-based capital ratio | 17.2189% | 3,136 |
| Memoranda: | ||
| Average total assets | $66,160,600 | 5,733 |
| Average earning assets | $59,768,000 | 5,752 |
| Average equity | $9,194,000 | 5,176 |
| Average total loans | $45,323,200 | 5,274 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8472% | 2,209 |
| Cost of funding earning assets | 0.7936% | 2,999 |
| Net interest margin | 4.0536% | 2,278 |
| Noninterest income to average assets | 0.1400% | 6,441 |
| Noninterest expense to average assets | 3.0792% | 2,950 |
| Loan and lease loss provision to assets | 0.1379% | 3,823 |
| Net operating income to assets | 0.4118% | 5,197 |
| Return on assets (ROA) | 0.4118% | 5,432 |
| Pretax return on assets | 0.5801% | 5,231 |
| Return on Equity (ROE) | 2.9458% | 5,698 |
| Retained earnings to average equity (ytd only) | 2.9458% | 4,792 |
| Net charge-offs to loans | 0.6105% | 1,800 |
| Credit loss provision to net charge-offs | 32.5359% | 4,758 |
| Earnings coverage of net charge-offs (x) | 1.6938% | 4,425 |
| Efficiency ratio | 81.0897% | 1,922 |
| Assets per employee ($millions) | 3.7192% | 4,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2033% | 594 |
| Loan loss allowance to noncurrent loans | 100.7032% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 3.8838% | 1,259 |
| Noncurrent loans to loans | 3.1809% | 1,736 |
| Net loans and leases to total assets | 64.6381% | 2,900 |
| Net loans and leases to deposits | 78.9765% | 2,537 |
| Net loans and leases to core deposits | 83.7404% | 2,726 |
| Total domestic deposits to total assets | 81.8448% | 5,073 |
| Equity capital to assets | 13.8845% | 1,201 |
| Core capital (leverage) ratio | 12.8063% | 1,275 |
| Tier 1 risk-based capital ratio | 16.5649% | 2,960 |
| Total risk-based capital ratio | 17.8336% | 2,926 |
| Memoranda: | ||
| Average total assets | $65,729,750 | 5,819 |
| Average earning assets | $59,303,750 | 5,838 |
| Average equity | $9,188,000 | 5,220 |
| Average total loans | $45,643,000 | 5,316 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 2,127 |
| Cost of funding earning assets | 0.8052% | 3,148 |
| Net interest margin | 4.0904% | 2,130 |
| Noninterest income to average assets | 0.1684% | 6,337 |
| Noninterest expense to average assets | 3.0861% | 2,968 |
| Loan and lease loss provision to assets | 0.1378% | 3,799 |
| Net operating income to assets | 0.4348% | 5,100 |
| Return on assets (ROA) | 0.4348% | 5,323 |
| Pretax return on assets | 0.6307% | 5,024 |
| Return on Equity (ROE) | 3.1030% | 5,652 |
| Retained earnings to average equity (ytd only) | 3.1030% | 4,570 |
| Net charge-offs to loans | 0.4874% | 2,126 |
| Credit loss provision to net charge-offs | 40.1786% | 4,259 |
| Earnings coverage of net charge-offs (x) | 2.2411% | 3,872 |
| Efficiency ratio | 80.0635% | 2,160 |
| Assets per employee ($millions) | 3.4217% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1850% | 651 |
| Loan loss allowance to noncurrent loans | 69.3051% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 4.9621% | 966 |
| Noncurrent loans to loans | 4.5956% | 1,140 |
| Net loans and leases to total assets | 70.4136% | 1,846 |
| Net loans and leases to deposits | 86.3834% | 1,550 |
| Net loans and leases to core deposits | 91.1241% | 1,859 |
| Total domestic deposits to total assets | 81.5129% | 5,292 |
| Equity capital to assets | 14.1849% | 1,020 |
| Core capital (leverage) ratio | 12.9662% | 1,159 |
| Tier 1 risk-based capital ratio | 15.9279% | 3,196 |
| Total risk-based capital ratio | 17.2121% | 3,152 |
| Memoranda: | ||
| Average total assets | $65,324,670 | 5,872 |
| Average earning assets | $58,869,000 | 5,875 |
| Average equity | $9,152,330 | 5,229 |
| Average total loans | $45,956,000 | 5,343 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 2,549 |
| Cost of funding earning assets | 0.8229% | 3,292 |
| Net interest margin | 4.0001% | 2,508 |
| Noninterest income to average assets | 0.2443% | 5,890 |
| Noninterest expense to average assets | 3.0971% | 2,925 |
| Loan and lease loss provision to assets | 0.1405% | 3,596 |
| Net operating income to assets | 0.4398% | 5,086 |
| Return on assets (ROA) | 0.4398% | 5,279 |
| Pretax return on assets | 0.6292% | 5,018 |
| Return on Equity (ROE) | 3.1588% | 5,648 |
| Retained earnings to average equity (ytd only) | 3.1588% | 4,670 |
| Net charge-offs to loans | 0.7595% | 1,346 |
| Credit loss provision to net charge-offs | 26.7442% | 3,676 |
| Earnings coverage of net charge-offs (x) | 1.4651% | 3,592 |
| Efficiency ratio | 80.0948% | 2,190 |
| Assets per employee ($millions) | 3.6845% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2972% | 623 |
| Loan loss allowance to noncurrent loans | 57.9210% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 5.6468% | 860 |
| Noncurrent loans to loans | 5.6925% | 919 |
| Net loans and leases to total assets | 66.7767% | 2,334 |
| Net loans and leases to deposits | 81.1088% | 2,045 |
| Net loans and leases to core deposits | 84.9989% | 2,406 |
| Total domestic deposits to total assets | 82.3299% | 5,183 |
| Equity capital to assets | 13.7905% | 1,093 |
| Core capital (leverage) ratio | 12.8175% | 1,199 |
| Tier 1 risk-based capital ratio | 16.1458% | 3,101 |
| Total risk-based capital ratio | 17.4313% | 3,041 |
| Memoranda: | ||
| Average total assets | $65,480,500 | 5,904 |
| Average earning assets | $59,299,000 | 5,898 |
| Average equity | $9,117,500 | 5,255 |
| Average total loans | $45,292,000 | 5,401 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1890% | 2,111 |
| Cost of funding earning assets | 0.9653% | 3,609 |
| Net interest margin | 4.2237% | 1,981 |
| Noninterest income to average assets | 0.3872% | 4,728 |
| Noninterest expense to average assets | 3.0705% | 3,306 |
| Loan and lease loss provision to assets | 1.0781% | 847 |
| Net operating income to assets | 0.3583% | 5,040 |
| Return on assets (ROA) | 0.3583% | 5,205 |
| Pretax return on assets | 0.1334% | 5,912 |
| Return on Equity (ROE) | 2.7116% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.7116% | 4,307 |
| Net charge-offs to loans | 0.4993% | 2,994 |
| Credit loss provision to net charge-offs | 303.6199% | 770 |
| Earnings coverage of net charge-offs (x) | 3.4118% | 3,533 |
| Efficiency ratio | 71.7073% | 3,636 |
| Assets per employee ($millions) | 3.5911% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5122% | 530 |
| Loan loss allowance to noncurrent loans | 77.4877% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 4.6844% | 1,166 |
| Noncurrent loans to loans | 4.5326% | 1,315 |
| Net loans and leases to total assets | 66.8533% | 2,619 |
| Net loans and leases to deposits | 81.5189% | 2,270 |
| Net loans and leases to core deposits | 85.5367% | 2,700 |
| Total domestic deposits to total assets | 82.0096% | 5,123 |
| Equity capital to assets | 14.0610% | 1,039 |
| Core capital (leverage) ratio | 12.8900% | 1,184 |
| Tier 1 risk-based capital ratio | 16.4501% | 2,846 |
| Total risk-based capital ratio | 17.7232% | 2,800 |
| Memoranda: | ||
| Average total assets | $62,237,400 | 5,975 |
| Average earning assets | $57,390,600 | 5,946 |
| Average equity | $8,224,000 | 5,504 |
| Average total loans | $44,261,200 | 5,500 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2383% | 2,067 |
| Cost of funding earning assets | 0.9936% | 3,728 |
| Net interest margin | 4.2448% | 1,930 |
| Noninterest income to average assets | 0.4110% | 4,579 |
| Noninterest expense to average assets | 3.0955% | 3,181 |
| Loan and lease loss provision to assets | 1.2222% | 632 |
| Net operating income to assets | 0.1211% | 5,912 |
| Return on assets (ROA) | 0.1211% | 6,026 |
| Pretax return on assets | 0.0303% | 6,191 |
| Return on Equity (ROE) | 0.9323% | 6,079 |
| Retained earnings to average equity (ytd only) | 0.9323% | 5,629 |
| Net charge-offs to loans | 0.6043% | 2,439 |
| Credit loss provision to net charge-offs | 282.5000% | 1,015 |
| Earnings coverage of net charge-offs (x) | 2.8950% | 3,695 |
| Efficiency ratio | 71.1940% | 3,704 |
| Assets per employee ($millions) | 3.4036% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4563% | 589 |
| Loan loss allowance to noncurrent loans | 77.8650% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 4.7565% | 1,236 |
| Noncurrent loans to loans | 4.4388% | 1,454 |
| Net loans and leases to total assets | 67.8441% | 2,510 |
| Net loans and leases to deposits | 83.2729% | 2,134 |
| Net loans and leases to core deposits | 87.6378% | 2,541 |
| Total domestic deposits to total assets | 81.4720% | 5,266 |
| Equity capital to assets | 14.5795% | 966 |
| Core capital (leverage) ratio | 13.2630% | 1,121 |
| Tier 1 risk-based capital ratio | 17.2398% | 2,553 |
| Total risk-based capital ratio | 18.5271% | 2,499 |
| Memoranda: | ||
| Average total assets | $61,636,750 | 6,042 |
| Average earning assets | $57,166,750 | 6,001 |
| Average equity | $8,007,750 | 5,598 |
| Average total loans | $44,129,750 | 5,553 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2903% | 1,920 |
| Cost of funding earning assets | 1.0238% | 3,790 |
| Net interest margin | 4.2665% | 1,783 |
| Noninterest income to average assets | 0.4663% | 4,143 |
| Noninterest expense to average assets | 3.0990% | 3,261 |
| Loan and lease loss provision to assets | 1.8037% | 370 |
| Net operating income to assets | -0.1684% | 6,441 |
| Return on assets (ROA) | -0.1684% | 6,477 |
| Pretax return on assets | -0.4825% | 6,646 |
| Return on Equity (ROE) | -1.3507% | 6,449 |
| Retained earnings to average equity (ytd only) | -1.3507% | 6,127 |
| Net charge-offs to loans | 0.6653% | 2,173 |
| Credit loss provision to net charge-offs | 376.3514% | 800 |
| Earnings coverage of net charge-offs (x) | 2.7568% | 3,465 |
| Efficiency ratio | 70.1099% | 4,099 |
| Assets per employee ($millions) | 3.4575% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5296% | 587 |
| Loan loss allowance to noncurrent loans | 100.3274% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 4.1215% | 1,549 |
| Noncurrent loans to loans | 3.5181% | 2,009 |
| Net loans and leases to total assets | 67.2805% | 2,768 |
| Net loans and leases to deposits | 82.7984% | 2,316 |
| Net loans and leases to core deposits | 86.5195% | 2,823 |
| Total domestic deposits to total assets | 81.2581% | 5,442 |
| Equity capital to assets | 14.1223% | 1,057 |
| Core capital (leverage) ratio | 13.0460% | 1,141 |
| Tier 1 risk-based capital ratio | 16.9648% | 2,540 |
| Total risk-based capital ratio | 18.2592% | 2,490 |
| Memoranda: | ||
| Average total assets | $61,761,000 | 6,086 |
| Average earning assets | $57,237,000 | 6,049 |
| Average equity | $7,699,670 | 5,707 |
| Average total loans | $44,489,000 | 5,593 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 1,581 |
| Cost of funding earning assets | 1.0744% | 3,694 |
| Net interest margin | 4.3189% | 1,508 |
| Noninterest income to average assets | 0.4226% | 4,515 |
| Noninterest expense to average assets | 3.0492% | 3,457 |
| Loan and lease loss provision to assets | 3.5628% | 126 |
| Net operating income to assets | -1.1378% | 7,080 |
| Return on assets (ROA) | -1.1378% | 7,088 |
| Pretax return on assets | -2.1910% | 7,288 |
| Return on Equity (ROE) | -9.7834% | 7,024 |
| Retained earnings to average equity (ytd only) | -9.7834% | 6,860 |
| Net charge-offs to loans | -0.0977% | 7,079 |
| Credit loss provision to net charge-offs | -4,981.8182% | 6,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9706% | 4,483 |
| Assets per employee ($millions) | 3.1309% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6846% | 532 |
| Loan loss allowance to noncurrent loans | 127.2315% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 3.9366% | 1,695 |
| Noncurrent loans to loans | 2.8960% | 2,596 |
| Net loans and leases to total assets | 70.2146% | 2,086 |
| Net loans and leases to deposits | 85.4425% | 1,809 |
| Net loans and leases to core deposits | 90.4913% | 2,298 |
| Total domestic deposits to total assets | 82.1776% | 5,237 |
| Equity capital to assets | 13.7516% | 1,083 |
| Core capital (leverage) ratio | 12.6854% | 1,249 |
| Tier 1 risk-based capital ratio | 16.0721% | 2,874 |
| Total risk-based capital ratio | 17.3479% | 2,833 |
| Memoranda: | ||
| Average total assets | $61,524,000 | 6,139 |
| Average earning assets | $56,959,500 | 6,104 |
| Average equity | $7,155,000 | 5,882 |
| Average total loans | $45,031,500 | 5,608 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3578% | 2,866 |
| Cost of funding earning assets | 1.4209% | 3,133 |
| Net interest margin | 3.9369% | 3,312 |
| Noninterest income to average assets | 0.1142% | 6,832 |
| Noninterest expense to average assets | 3.3260% | 2,653 |
| Loan and lease loss provision to assets | 0.8636% | 1,883 |
| Net operating income to assets | -0.1987% | 6,117 |
| Return on assets (ROA) | -0.1987% | 6,163 |
| Pretax return on assets | -0.4255% | 6,262 |
| Return on Equity (ROE) | -2.1959% | 6,194 |
| Retained earnings to average equity (ytd only) | -2.1959% | 5,997 |
| Net charge-offs to loans | 1.0335% | 2,132 |
| Credit loss provision to net charge-offs | 115.9664% | 3,714 |
| Earnings coverage of net charge-offs (x) | 0.5882% | 5,517 |
| Efficiency ratio | 88.3624% | 1,448 |
| Assets per employee ($millions) | 3.0215% | 6,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5285% | 1,378 |
| Loan loss allowance to noncurrent loans | 92.8867% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 3.8094% | 1,798 |
| Noncurrent loans to loans | 2.7221% | 2,795 |
| Net loans and leases to total assets | 71.6383% | 2,172 |
| Net loans and leases to deposits | 83.7204% | 2,497 |
| Net loans and leases to core deposits | 88.6348% | 2,959 |
| Total domestic deposits to total assets | 85.5684% | 3,567 |
| Equity capital to assets | 9.4307% | 4,499 |
| Core capital (leverage) ratio | 8.2005% | 5,821 |
| Tier 1 risk-based capital ratio | 10.5131% | 6,695 |
| Total risk-based capital ratio | 11.7761% | 6,660 |
| Memoranda: | ||
| Average total assets | $63,921,400 | 6,062 |
| Average earning assets | $59,259,200 | 6,019 |
| Average equity | $5,783,400 | 6,435 |
| Average total loans | $46,055,000 | 5,638 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2707% | 3,487 |
| Cost of funding earning assets | 1.4701% | 3,142 |
| Net interest margin | 3.8006% | 3,971 |
| Noninterest income to average assets | 0.0247% | 7,382 |
| Noninterest expense to average assets | 3.3212% | 2,512 |
| Loan and lease loss provision to assets | 1.0639% | 1,383 |
| Net operating income to assets | -0.3848% | 6,506 |
| Return on assets (ROA) | -0.3848% | 6,554 |
| Pretax return on assets | -0.8334% | 6,763 |
| Return on Equity (ROE) | -4.2955% | 6,590 |
| Retained earnings to average equity (ytd only) | -4.2955% | 6,494 |
| Net charge-offs to loans | 1.3831% | 1,472 |
| Credit loss provision to net charge-offs | 107.2614% | 3,978 |
| Earnings coverage of net charge-offs (x) | 0.2324% | 5,783 |
| Efficiency ratio | 93.5110% | 1,026 |
| Assets per employee ($millions) | 3.1874% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4532% | 1,394 |
| Loan loss allowance to noncurrent loans | 60.9921% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 4.3923% | 1,549 |
| Noncurrent loans to loans | 4.0222% | 1,863 |
| Net loans and leases to total assets | 67.4892% | 3,335 |
| Net loans and leases to deposits | 78.4261% | 3,749 |
| Net loans and leases to core deposits | 82.9855% | 4,090 |
| Total domestic deposits to total assets | 86.0545% | 3,051 |
| Equity capital to assets | 9.0309% | 5,534 |
| Core capital (leverage) ratio | 7.8247% | 6,548 |
| Tier 1 risk-based capital ratio | 10.4788% | 6,792 |
| Total risk-based capital ratio | 11.7406% | 6,774 |
| Memoranda: | ||
| Average total assets | $64,794,250 | 6,109 |
| Average earning assets | $60,129,250 | 6,060 |
| Average equity | $5,804,500 | 6,509 |
| Average total loans | $46,465,250 | 5,707 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3130% | 3,405 |
| Cost of funding earning assets | 1.4972% | 3,273 |
| Net interest margin | 3.8158% | 3,832 |
| Noninterest income to average assets | 0.0614% | 7,277 |
| Noninterest expense to average assets | 3.3342% | 2,447 |
| Loan and lease loss provision to assets | 1.2987% | 1,056 |
| Net operating income to assets | -0.4974% | 6,648 |
| Return on assets (ROA) | -0.4974% | 6,687 |
| Pretax return on assets | -1.0346% | 6,905 |
| Return on Equity (ROE) | -5.5667% | 6,746 |
| Retained earnings to average equity (ytd only) | -5.5667% | 6,617 |
| Net charge-offs to loans | 2.0486% | 881 |
| Credit loss provision to net charge-offs | 87.3967% | 4,505 |
| Earnings coverage of net charge-offs (x) | 0.1777% | 5,542 |
| Efficiency ratio | 92.6621% | 1,148 |
| Assets per employee ($millions) | 3.4510% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1941% | 1,770 |
| Loan loss allowance to noncurrent loans | 40.9979% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 5.4340% | 1,141 |
| Noncurrent loans to loans | 5.3517% | 1,250 |
| Net loans and leases to total assets | 67.0332% | 3,615 |
| Net loans and leases to deposits | 76.7001% | 4,202 |
| Net loans and leases to core deposits | 81.6454% | 4,469 |
| Total domestic deposits to total assets | 87.3965% | 2,329 |
| Equity capital to assets | 8.7328% | 5,841 |
| Core capital (leverage) ratio | 7.7729% | 6,527 |
| Tier 1 risk-based capital ratio | 10.2805% | 6,851 |
| Total risk-based capital ratio | 11.5426% | 6,823 |
| Memoranda: | ||
| Average total assets | $65,143,000 | 6,135 |
| Average earning assets | $60,380,330 | 6,088 |
| Average equity | $5,820,330 | 6,523 |
| Average total loans | $47,252,000 | 5,707 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4857% | 2,651 |
| Cost of funding earning assets | 1.5190% | 3,427 |
| Net interest margin | 3.9667% | 3,016 |
| Noninterest income to average assets | 0.3450% | 5,381 |
| Noninterest expense to average assets | 3.5484% | 1,852 |
| Loan and lease loss provision to assets | 1.1027% | 1,112 |
| Net operating income to assets | -0.2649% | 6,616 |
| Return on assets (ROA) | -0.2649% | 6,679 |
| Pretax return on assets | -0.6222% | 6,857 |
| Return on Equity (ROE) | -2.9314% | 6,731 |
| Retained earnings to average equity (ytd only) | -2.9314% | 6,352 |
| Net charge-offs to loans | -0.1735% | 7,646 |
| Credit loss provision to net charge-offs | -852.3810% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0734% | 1,579 |
| Assets per employee ($millions) | 3.2111% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6121% | 1,165 |
| Loan loss allowance to noncurrent loans | 57.3861% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 5.2116% | 1,209 |
| Noncurrent loans to loans | 4.5518% | 1,629 |
| Net loans and leases to total assets | 72.3926% | 2,358 |
| Net loans and leases to deposits | 83.5496% | 3,016 |
| Net loans and leases to core deposits | 89.0993% | 3,486 |
| Total domestic deposits to total assets | 86.6463% | 2,817 |
| Equity capital to assets | 9.1012% | 5,131 |
| Core capital (leverage) ratio | 8.2862% | 5,766 |
| Tier 1 risk-based capital ratio | 10.4403% | 6,688 |
| Total risk-based capital ratio | 11.7092% | 6,665 |
| Memoranda: | ||
| Average total assets | $64,930,000 | 6,212 |
| Average earning assets | $60,302,000 | 6,158 |
| Average equity | $5,867,500 | 6,568 |
| Average total loans | $48,408,500 | 5,742 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8760% | 2,346 |
| Cost of funding earning assets | 1.9841% | 3,036 |
| Net interest margin | 3.8919% | 3,300 |
| Noninterest income to average assets | 0.2545% | 6,282 |
| Noninterest expense to average assets | 3.5900% | 2,171 |
| Loan and lease loss provision to assets | 1.5497% | 1,487 |
| Net operating income to assets | -0.6237% | 6,293 |
| Return on assets (ROA) | -0.5623% | 6,232 |
| Pretax return on assets | -1.1367% | 6,498 |
| Return on Equity (ROE) | -6.0428% | 6,307 |
| Retained earnings to average equity (ytd only) | -6.0428% | 6,150 |
| Net charge-offs to loans | 1.5229% | 1,642 |
| Credit loss provision to net charge-offs | 130.7198% | 3,889 |
| Earnings coverage of net charge-offs (x) | 0.2674% | 5,846 |
| Efficiency ratio | 91.8877% | 1,571 |
| Assets per employee ($millions) | 3.4546% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1333% | 1,764 |
| Loan loss allowance to noncurrent loans | 41.3344% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 5.1571% | 1,167 |
| Noncurrent loans to loans | 5.1612% | 1,288 |
| Net loans and leases to total assets | 73.1756% | 2,459 |
| Net loans and leases to deposits | 85.2566% | 3,040 |
| Net loans and leases to core deposits | 109.9032% | 2,902 |
| Total domestic deposits to total assets | 85.8299% | 3,097 |
| Equity capital to assets | 8.9735% | 5,188 |
| Core capital (leverage) ratio | 8.2140% | 5,786 |
| Tier 1 risk-based capital ratio | 10.4231% | 6,474 |
| Total risk-based capital ratio | 11.6836% | 6,436 |
| Memoranda: | ||
| Average total assets | $65,627,200 | 6,150 |
| Average earning assets | $61,589,600 | 6,071 |
| Average equity | $6,106,400 | 6,572 |
| Average total loans | $51,086,200 | 5,620 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9284% | 2,324 |
| Cost of funding earning assets | 2.0849% | 2,960 |
| Net interest margin | 3.8435% | 3,467 |
| Noninterest income to average assets | 0.3068% | 6,024 |
| Noninterest expense to average assets | 3.4275% | 2,491 |
| Loan and lease loss provision to assets | 0.9427% | 2,040 |
| Net operating income to assets | -0.1815% | 6,030 |
| Return on assets (ROA) | -0.0996% | 5,925 |
| Pretax return on assets | -0.3210% | 6,120 |
| Return on Equity (ROE) | -1.0605% | 5,943 |
| Retained earnings to average equity (ytd only) | -1.0605% | 5,506 |
| Net charge-offs to loans | 1.2612% | 1,628 |
| Credit loss provision to net charge-offs | 95.0820% | 5,337 |
| Earnings coverage of net charge-offs (x) | 0.4979% | 5,532 |
| Efficiency ratio | 87.4093% | 1,927 |
| Assets per employee ($millions) | 3.2677% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 3,063 |
| Loan loss allowance to noncurrent loans | 26.6848% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 5.7992% | 953 |
| Noncurrent loans to loans | 5.9288% | 1,004 |
| Net loans and leases to total assets | 74.6259% | 2,331 |
| Net loans and leases to deposits | 86.2166% | 3,270 |
| Net loans and leases to core deposits | 112.0271% | 3,021 |
| Total domestic deposits to total assets | 86.5563% | 2,404 |
| Equity capital to assets | 9.5358% | 4,700 |
| Core capital (leverage) ratio | 9.3625% | 4,098 |
| Tier 1 risk-based capital ratio | 11.6510% | 5,290 |
| Total risk-based capital ratio | 12.9063% | 5,227 |
| Memoranda: | ||
| Average total assets | $65,624,500 | 6,189 |
| Average earning assets | $61,713,250 | 6,115 |
| Average equity | $6,160,500 | 6,606 |
| Average total loans | $51,588,250 | 5,644 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0764% | 1,872 |
| Cost of funding earning assets | 2.1958% | 2,813 |
| Net interest margin | 3.8806% | 3,207 |
| Noninterest income to average assets | 0.2922% | 6,180 |
| Noninterest expense to average assets | 3.4239% | 2,557 |
| Loan and lease loss provision to assets | 1.2235% | 1,406 |
| Net operating income to assets | -0.3266% | 6,355 |
| Return on assets (ROA) | -0.2039% | 6,217 |
| Pretax return on assets | -0.5113% | 6,438 |
| Return on Equity (ROE) | -2.1836% | 6,251 |
| Retained earnings to average equity (ytd only) | -2.1836% | 5,780 |
| Net charge-offs to loans | 1.2896% | 1,437 |
| Credit loss provision to net charge-offs | 119.2878% | 3,896 |
| Earnings coverage of net charge-offs (x) | 0.5074% | 5,194 |
| Efficiency ratio | 86.8056% | 2,142 |
| Assets per employee ($millions) | 3.3433% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7324% | 2,236 |
| Loan loss allowance to noncurrent loans | 47.1382% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 3.7861% | 1,609 |
| Noncurrent loans to loans | 3.6751% | 1,893 |
| Net loans and leases to total assets | 77.9572% | 1,752 |
| Net loans and leases to deposits | 92.2727% | 2,417 |
| Net loans and leases to core deposits | 119.3052% | 2,428 |
| Total domestic deposits to total assets | 84.4857% | 3,509 |
| Equity capital to assets | 9.5762% | 4,516 |
| Core capital (leverage) ratio | 9.2244% | 4,271 |
| Tier 1 risk-based capital ratio | 11.3043% | 5,593 |
| Total risk-based capital ratio | 12.5336% | 5,516 |
| Memoranda: | ||
| Average total assets | $65,714,670 | 6,241 |
| Average earning assets | $61,845,670 | 6,154 |
| Average equity | $6,136,670 | 6,671 |
| Average total loans | $52,266,000 | 5,666 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0516% | 2,145 |
| Cost of funding earning assets | 2.2496% | 2,919 |
| Net interest margin | 3.8021% | 3,435 |
| Noninterest income to average assets | 0.2814% | 6,179 |
| Noninterest expense to average assets | 3.4425% | 2,252 |
| Loan and lease loss provision to assets | 0.4071% | 2,883 |
| Net operating income to assets | 0.0718% | 6,060 |
| Return on assets (ROA) | 0.0718% | 6,222 |
| Pretax return on assets | 0.0239% | 6,333 |
| Return on Equity (ROE) | 0.7788% | 6,197 |
| Retained earnings to average equity (ytd only) | 0.7788% | 5,350 |
| Net charge-offs to loans | 2.1803% | 660 |
| Credit loss provision to net charge-offs | 23.4483% | 5,033 |
| Earnings coverage of net charge-offs (x) | 0.2483% | 4,778 |
| Efficiency ratio | 88.8717% | 1,820 |
| Assets per employee ($millions) | 3.7114% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 5,333 |
| Loan loss allowance to noncurrent loans | 39.9727% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 3.0222% | 1,864 |
| Noncurrent loans to loans | 2.7989% | 2,344 |
| Net loans and leases to total assets | 77.5256% | 1,927 |
| Net loans and leases to deposits | 92.1253% | 2,572 |
| Net loans and leases to core deposits | 120.5339% | 2,373 |
| Total domestic deposits to total assets | 84.1524% | 3,636 |
| Equity capital to assets | 9.3032% | 4,934 |
| Core capital (leverage) ratio | 9.1198% | 4,522 |
| Tier 1 risk-based capital ratio | 11.0864% | 5,824 |
| Total risk-based capital ratio | 12.1527% | 5,900 |
| Memoranda: | ||
| Average total assets | $66,811,000 | 6,221 |
| Average earning assets | $63,123,500 | 6,138 |
| Average equity | $6,163,500 | 6,702 |
| Average total loans | $53,202,500 | 5,663 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9689% | 1,208 |
| Cost of funding earning assets | 3.0910% | 1,530 |
| Net interest margin | 3.8779% | 3,667 |
| Noninterest income to average assets | 0.3451% | 5,979 |
| Noninterest expense to average assets | 3.3404% | 2,838 |
| Loan and lease loss provision to assets | 0.3163% | 3,853 |
| Net operating income to assets | 0.2813% | 5,609 |
| Return on assets (ROA) | 0.2813% | 5,418 |
| Pretax return on assets | 0.3603% | 5,356 |
| Return on Equity (ROE) | 3.0795% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.0795% | 3,248 |
| Net charge-offs to loans | 0.0655% | 5,840 |
| Credit loss provision to net charge-offs | 594.2857% | 732 |
| Earnings coverage of net charge-offs (x) | 12.7143% | 2,222 |
| Efficiency ratio | 83.1567% | 2,156 |
| Assets per employee ($millions) | 2.9051% | 6,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 2,721 |
| Loan loss allowance to noncurrent loans | 87.3514% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 2.2120% | 2,206 |
| Noncurrent loans to loans | 1.7121% | 3,199 |
| Net loans and leases to total assets | 79.6504% | 1,736 |
| Net loans and leases to deposits | 97.2303% | 2,247 |
| Net loans and leases to core deposits | 130.6750% | 1,805 |
| Total domestic deposits to total assets | 81.9193% | 4,235 |
| Equity capital to assets | 9.1474% | 5,156 |
| Core capital (leverage) ratio | 9.1409% | 4,539 |
| Tier 1 risk-based capital ratio | 10.8986% | 5,810 |
| Total risk-based capital ratio | 12.1514% | 5,731 |
| Memoranda: | ||
| Average total assets | $65,770,000 | 6,168 |
| Average earning assets | $62,276,600 | 6,081 |
| Average equity | $6,007,400 | 6,799 |
| Average total loans | $53,461,800 | 5,551 |