Home > Bank of Anguilla > Performance and Condition Ratios
Bank of Anguilla, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7524% | 879 |
| Cost of funding earning assets | 0.8351% | 3,649 |
| Net interest margin | 4.9172% | 353 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 2.9841% | 1,148 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.7416% | 675 |
| Return on assets (ROA) | 1.7416% | 645 |
| Pretax return on assets | 2.1596% | 520 |
| Return on Equity (ROE) | 18.9900% | 710 |
| Retained earnings to average equity (ytd only) | 16.3907% | 251 |
| Net charge-offs to loans | 0.0267% | 1,787 |
| Credit loss provision to net charge-offs | 434.7826% | 740 |
| Earnings coverage of net charge-offs (x) | 186.0870% | 615 |
| Efficiency ratio | 57.4383% | 3,351 |
| Assets per employee ($millions) | 6.5970% | 2,343 |
| Cash dividends to net income (ytd only)* | 13.6755% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1308% | 308 |
| Loan loss allowance to noncurrent loans | 256.3750% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 1,377 |
| Noncurrent loans to loans | 0.8311% | 926 |
| Net loans and leases to total assets | 46.0600% | 3,811 |
| Net loans and leases to deposits | 52.6930% | 3,849 |
| Net loans and leases to core deposits | 62.2382% | 3,669 |
| Total domestic deposits to total assets | 87.4200% | 1,551 |
| Equity capital to assets | 9.6046% | 2,268 |
| Core capital (leverage) ratio | 12.3326% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $193,557,000 | 3,026 |
| Average earning assets | $167,756,800 | 3,118 |
| Average equity | $17,754,000 | 3,033 |
| Average total loans | $86,206,600 | 3,344 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6771% | 822 |
| Cost of funding earning assets | 0.8046% | 3,505 |
| Net interest margin | 4.8725% | 373 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 2.9018% | 1,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8006% | 671 |
| Return on assets (ROA) | 1.8006% | 661 |
| Pretax return on assets | 2.1206% | 628 |
| Return on Equity (ROE) | 19.8800% | 735 |
| Retained earnings to average equity (ytd only) | 19.8815% | 264 |
| Net charge-offs to loans | 0.0319% | 1,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 151.7500% | 722 |
| Efficiency ratio | 57.7769% | 3,233 |
| Assets per employee ($millions) | 6.4051% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4283% | 216 |
| Loan loss allowance to noncurrent loans | 208.0937% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 1,192 |
| Noncurrent loans to loans | 1.1669% | 673 |
| Net loans and leases to total assets | 39.5400% | 4,076 |
| Net loans and leases to deposits | 44.9396% | 4,079 |
| Net loans and leases to core deposits | 51.2119% | 4,003 |
| Total domestic deposits to total assets | 87.9900% | 1,577 |
| Equity capital to assets | 9.1112% | 2,358 |
| Core capital (leverage) ratio | 12.3869% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $190,819,750 | 3,054 |
| Average earning assets | $164,374,500 | 3,151 |
| Average equity | $17,282,000 | 3,058 |
| Average total loans | $83,694,250 | 3,370 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4733% | 872 |
| Cost of funding earning assets | 0.7401% | 3,376 |
| Net interest margin | 4.7332% | 433 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.8976% | 1,215 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7965% | 665 |
| Return on assets (ROA) | 1.7965% | 663 |
| Pretax return on assets | 2.1108% | 613 |
| Return on Equity (ROE) | 20.7900% | 631 |
| Retained earnings to average equity (ytd only) | 20.7922% | 223 |
| Net charge-offs to loans | 0.0779% | 803 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 60.2424% | 1,198 |
| Efficiency ratio | 57.8546% | 3,203 |
| Assets per employee ($millions) | 6.0998% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3217% | 260 |
| Loan loss allowance to noncurrent loans | 194.6841% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 1,040 |
| Noncurrent loans to loans | 1.1925% | 594 |
| Net loans and leases to total assets | 41.8400% | 3,973 |
| Net loans and leases to deposits | 47.5861% | 3,999 |
| Net loans and leases to core deposits | 55.0224% | 3,848 |
| Total domestic deposits to total assets | 87.9200% | 1,636 |
| Equity capital to assets | 8.6858% | 2,725 |
| Core capital (leverage) ratio | 12.1283% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $188,365,333 | 3,078 |
| Average earning assets | $161,877,333 | 3,178 |
| Average equity | $16,275,333 | 3,164 |
| Average total loans | $84,769,667 | 3,367 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2992% | 830 |
| Cost of funding earning assets | 0.6285% | 3,297 |
| Net interest margin | 4.6707% | 468 |
| Noninterest income to average assets | 1.3800% | 362 |
| Noninterest expense to average assets | 3.0170% | 1,032 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0157% | 479 |
| Return on assets (ROA) | 2.0157% | 475 |
| Pretax return on assets | 2.3855% | 421 |
| Return on Equity (ROE) | 23.3900% | 487 |
| Retained earnings to average equity (ytd only) | 23.3936% | 225 |
| Net charge-offs to loans | 0.1125% | 558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 45.9583% | 1,131 |
| Efficiency ratio | 55.8447% | 3,422 |
| Assets per employee ($millions) | 5.8038% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5745% | 208 |
| Loan loss allowance to noncurrent loans | 188.2239% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.6666% | 743 |
| Noncurrent loans to loans | 1.3678% | 484 |
| Net loans and leases to total assets | 39.7300% | 4,052 |
| Net loans and leases to deposits | 45.3321% | 4,058 |
| Net loans and leases to core deposits | 52.0560% | 3,910 |
| Total domestic deposits to total assets | 87.6500% | 2,038 |
| Equity capital to assets | 9.0436% | 2,482 |
| Core capital (leverage) ratio | 12.0553% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $184,951,500 | 3,136 |
| Average earning assets | $159,118,500 | 3,242 |
| Average equity | $15,936,000 | 3,221 |
| Average total loans | $85,353,000 | 3,399 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 1,643 |
| Cost of funding earning assets | 0.4878% | 1,482 |
| Net interest margin | 3.5400% | 1,809 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.8938% | 1,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6027% | 3,877 |
| Return on assets (ROA) | 0.6027% | 3,829 |
| Pretax return on assets | 0.7123% | 3,825 |
| Return on Equity (ROE) | 7.3100% | 3,562 |
| Retained earnings to average equity (ytd only) | 5.0409% | 3,033 |
| Net charge-offs to loans | -0.0187% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.2481% | 699 |
| Assets per employee ($millions) | 5.7556% | 2,985 |
| Cash dividends to net income (ytd only)* | 31.0761% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0787% | 381 |
| Loan loss allowance to noncurrent loans | 186.2264% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 683 |
| Noncurrent loans to loans | 1.1162% | 645 |
| Net loans and leases to total assets | 50.4900% | 3,469 |
| Net loans and leases to deposits | 57.1841% | 3,503 |
| Net loans and leases to core deposits | 63.5886% | 3,287 |
| Total domestic deposits to total assets | 88.2900% | 1,972 |
| Equity capital to assets | 8.1855% | 2,943 |
| Core capital (leverage) ratio | 12.1652% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $178,868,200 | 3,202 |
| Average earning assets | $153,334,800 | 3,292 |
| Average equity | $14,739,400 | 3,391 |
| Average total loans | $85,467,800 | 3,339 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7320% | 1,952 |
| Cost of funding earning assets | 0.4844% | 818 |
| Net interest margin | 3.2476% | 2,468 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.6818% | 1,512 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6406% | 3,720 |
| Return on assets (ROA) | 0.6406% | 3,675 |
| Pretax return on assets | 0.7277% | 3,745 |
| Return on Equity (ROE) | 7.7600% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.7604% | 2,096 |
| Net charge-offs to loans | -0.0979% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.6564% | 863 |
| Assets per employee ($millions) | 5.3566% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4513% | 245 |
| Loan loss allowance to noncurrent loans | 176.6404% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.7759% | 645 |
| Noncurrent loans to loans | 1.3877% | 521 |
| Net loans and leases to total assets | 46.8700% | 3,716 |
| Net loans and leases to deposits | 53.5905% | 3,627 |
| Net loans and leases to core deposits | 60.4261% | 3,349 |
| Total domestic deposits to total assets | 87.4600% | 2,609 |
| Equity capital to assets | 8.8710% | 2,303 |
| Core capital (leverage) ratio | 12.5450% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $177,540,250 | 3,229 |
| Average earning assets | $151,658,750 | 3,336 |
| Average equity | $14,655,250 | 3,450 |
| Average total loans | $83,093,750 | 3,376 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4080% | 2,408 |
| Cost of funding earning assets | 0.4763% | 598 |
| Net interest margin | 2.9317% | 3,084 |
| Noninterest income to average assets | 0.6572% | 1,510 |
| Noninterest expense to average assets | 2.6912% | 1,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4277% | 4,057 |
| Return on assets (ROA) | 0.4277% | 4,007 |
| Pretax return on assets | 0.4823% | 4,029 |
| Return on Equity (ROE) | 5.4815% | 3,714 |
| Retained earnings to average equity (ytd only) | 5.4815% | 2,523 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8017% | 635 |
| Assets per employee ($millions) | 5.5604% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2989% | 331 |
| Loan loss allowance to noncurrent loans | 167.4936% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.0150% | 454 |
| Noncurrent loans to loans | 1.3725% | 556 |
| Net loans and leases to total assets | 46.7676% | 3,659 |
| Net loans and leases to deposits | 53.8100% | 3,553 |
| Net loans and leases to core deposits | 60.9000% | 3,200 |
| Total domestic deposits to total assets | 86.9125% | 2,966 |
| Equity capital to assets | 8.5364% | 2,734 |
| Core capital (leverage) ratio | 12.0496% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,549,000 | 3,248 |
| Average earning assets | $154,110,000 | 3,356 |
| Average equity | $14,010,667 | 3,583 |
| Average total loans | $83,337,000 | 3,407 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2564% | 2,512 |
| Cost of funding earning assets | 0.4767% | 560 |
| Net interest margin | 2.7797% | 3,202 |
| Noninterest income to average assets | 0.4036% | 2,667 |
| Noninterest expense to average assets | 2.5727% | 1,684 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2040% | 4,326 |
| Return on assets (ROA) | 0.2040% | 4,293 |
| Pretax return on assets | 0.2107% | 4,314 |
| Return on Equity (ROE) | 2.7419% | 4,150 |
| Retained earnings to average equity (ytd only) | 2.7419% | 3,352 |
| Net charge-offs to loans | 0.0049% | 1,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 690 |
| Efficiency ratio | 92.4303% | 446 |
| Assets per employee ($millions) | 5.7795% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6015% | 257 |
| Loan loss allowance to noncurrent loans | 172.5750% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.9446% | 549 |
| Noncurrent loans to loans | 1.5075% | 547 |
| Net loans and leases to total assets | 39.6171% | 4,040 |
| Net loans and leases to deposits | 44.6188% | 4,038 |
| Net loans and leases to core deposits | 49.1623% | 3,919 |
| Total domestic deposits to total assets | 88.7901% | 2,173 |
| Equity capital to assets | 6.7572% | 4,316 |
| Core capital (leverage) ratio | 9.1331% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,357,000 | 3,252 |
| Average earning assets | $154,404,500 | 3,370 |
| Average equity | $13,421,500 | 3,716 |
| Average total loans | $82,419,000 | 3,427 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 1,690 |
| Cost of funding earning assets | 0.5393% | 754 |
| Net interest margin | 3.3346% | 2,222 |
| Noninterest income to average assets | 1.8104% | 364 |
| Noninterest expense to average assets | 3.1924% | 739 |
| Loan and lease loss provision to assets | 0.4774% | 123 |
| Net operating income to assets | 0.8351% | 3,220 |
| Return on assets (ROA) | 0.8843% | 3,160 |
| Pretax return on assets | 1.0359% | 3,164 |
| Return on Equity (ROE) | 10.4482% | 2,370 |
| Retained earnings to average equity (ytd only) | 8.0865% | 1,505 |
| Net charge-offs to loans | 0.1686% | 568 |
| Credit loss provision to net charge-offs | 559.4406% | 758 |
| Earnings coverage of net charge-offs (x) | 17.0559% | 1,956 |
| Efficiency ratio | 68.6866% | 1,899 |
| Assets per employee ($millions) | 5.4928% | 3,262 |
| Cash dividends to net income (ytd only)* | 22.6046% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1850% | 459 |
| Loan loss allowance to noncurrent loans | 168.0687% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0115% | 550 |
| Noncurrent loans to loans | 1.3000% | 733 |
| Net loans and leases to total assets | 49.8683% | 3,293 |
| Net loans and leases to deposits | 57.3840% | 3,305 |
| Net loans and leases to core deposits | 63.9609% | 2,980 |
| Total domestic deposits to total assets | 86.9028% | 2,560 |
| Equity capital to assets | 8.1618% | 4,265 |
| Core capital (leverage) ratio | 9.9303% | 2,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,587,400 | 3,323 |
| Average earning assets | $142,596,000 | 3,449 |
| Average equity | $14,184,200 | 3,724 |
| Average total loans | $84,807,000 | 3,404 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9059% | 1,742 |
| Cost of funding earning assets | 0.5523% | 822 |
| Net interest margin | 3.3536% | 2,286 |
| Noninterest income to average assets | 2.2213% | 288 |
| Noninterest expense to average assets | 2.9986% | 975 |
| Loan and lease loss provision to assets | 0.6446% | 74 |
| Net operating income to assets | 1.2416% | 2,018 |
| Return on assets (ROA) | 1.3088% | 1,857 |
| Pretax return on assets | 1.5174% | 1,951 |
| Return on Equity (ROE) | 15.3185% | 1,086 |
| Retained earnings to average equity (ytd only) | 15.3185% | 356 |
| Net charge-offs to loans | 0.2568% | 317 |
| Credit loss provision to net charge-offs | 496.8944% | 766 |
| Earnings coverage of net charge-offs (x) | 16.0683% | 1,847 |
| Efficiency ratio | 59.0016% | 3,122 |
| Assets per employee ($millions) | 4.9328% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3019% | 389 |
| Loan loss allowance to noncurrent loans | 168.2567% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 1.0548% | 612 |
| Noncurrent loans to loans | 1.3681% | 779 |
| Net loans and leases to total assets | 49.0946% | 3,517 |
| Net loans and leases to deposits | 57.0345% | 3,487 |
| Net loans and leases to core deposits | 63.4299% | 3,184 |
| Total domestic deposits to total assets | 86.0788% | 2,717 |
| Equity capital to assets | 9.0254% | 3,809 |
| Core capital (leverage) ratio | 10.7023% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,541,500 | 3,373 |
| Average earning assets | $141,219,500 | 3,500 |
| Average equity | $14,143,750 | 3,774 |
| Average total loans | $83,605,750 | 3,466 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 2,049 |
| Cost of funding earning assets | 0.5648% | 888 |
| Net interest margin | 3.2432% | 2,630 |
| Noninterest income to average assets | 0.7538% | 1,662 |
| Noninterest expense to average assets | 2.8682% | 1,215 |
| Loan and lease loss provision to assets | 0.2185% | 487 |
| Net operating income to assets | 0.3989% | 4,383 |
| Return on assets (ROA) | 0.5037% | 4,261 |
| Pretax return on assets | 0.5656% | 4,283 |
| Return on Equity (ROE) | 5.7148% | 3,975 |
| Retained earnings to average equity (ytd only) | 5.7148% | 2,917 |
| Net charge-offs to loans | 0.3838% | 220 |
| Credit loss provision to net charge-offs | 112.5000% | 1,296 |
| Earnings coverage of net charge-offs (x) | 3.4313% | 2,071 |
| Efficiency ratio | 81.1470% | 716 |
| Assets per employee ($millions) | 5.3218% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,691 |
| Loan loss allowance to noncurrent loans | 91.2293% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.2850% | 503 |
| Noncurrent loans to loans | 1.6102% | 677 |
| Net loans and leases to total assets | 53.7066% | 3,163 |
| Net loans and leases to deposits | 61.9129% | 3,210 |
| Net loans and leases to core deposits | 68.4415% | 2,924 |
| Total domestic deposits to total assets | 86.7453% | 2,451 |
| Equity capital to assets | 8.8304% | 3,946 |
| Core capital (leverage) ratio | 9.6537% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,773,000 | 3,386 |
| Average earning assets | $141,279,667 | 3,500 |
| Average equity | $14,523,667 | 3,736 |
| Average total loans | $83,381,333 | 3,492 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4642% | 3,032 |
| Cost of funding earning assets | 0.5759% | 984 |
| Net interest margin | 2.8883% | 3,556 |
| Noninterest income to average assets | 0.4275% | 2,941 |
| Noninterest expense to average assets | 2.6113% | 1,858 |
| Loan and lease loss provision to assets | 0.2186% | 534 |
| Net operating income to assets | 0.0676% | 4,739 |
| Return on assets (ROA) | 0.2915% | 4,562 |
| Pretax return on assets | 0.3061% | 4,592 |
| Return on Equity (ROE) | 3.3100% | 4,411 |
| Retained earnings to average equity (ytd only) | 3.3100% | 3,685 |
| Net charge-offs to loans | 0.3395% | 248 |
| Credit loss provision to net charge-offs | 132.3529% | 1,016 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 1,833 |
| Efficiency ratio | 90.0335% | 367 |
| Assets per employee ($millions) | 5.5101% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6995% | 1,049 |
| Loan loss allowance to noncurrent loans | 79.8913% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.3676% | 500 |
| Noncurrent loans to loans | 2.1272% | 482 |
| Net loans and leases to total assets | 44.8002% | 4,058 |
| Net loans and leases to deposits | 51.1986% | 4,091 |
| Net loans and leases to core deposits | 55.6254% | 4,000 |
| Total domestic deposits to total assets | 87.5028% | 2,086 |
| Equity capital to assets | 8.2921% | 4,284 |
| Core capital (leverage) ratio | 9.3357% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,671,500 | 3,388 |
| Average earning assets | $140,985,000 | 3,503 |
| Average equity | $14,501,500 | 3,744 |
| Average total loans | $80,110,000 | 3,559 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8527% | 666 |
| Cost of funding earning assets | 0.7745% | 1,323 |
| Net interest margin | 4.0782% | 829 |
| Noninterest income to average assets | 0.8594% | 1,377 |
| Noninterest expense to average assets | 3.2230% | 1,015 |
| Loan and lease loss provision to assets | 0.5690% | 378 |
| Net operating income to assets | 0.5997% | 3,758 |
| Return on assets (ROA) | 0.5997% | 3,872 |
| Pretax return on assets | 0.4938% | 4,284 |
| Return on Equity (ROE) | 6.3518% | 3,470 |
| Retained earnings to average equity (ytd only) | 5.4791% | 2,057 |
| Net charge-offs to loans | 0.7885% | 184 |
| Credit loss provision to net charge-offs | 119.8347% | 2,636 |
| Earnings coverage of net charge-offs (x) | 2.2383% | 3,181 |
| Efficiency ratio | 75.2022% | 1,312 |
| Assets per employee ($millions) | 5.1138% | 3,271 |
| Cash dividends to net income (ytd only)* | 13.7405% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 1,352 |
| Loan loss allowance to noncurrent loans | 67.0273% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.6577% | 407 |
| Noncurrent loans to loans | 2.3564% | 445 |
| Net loans and leases to total assets | 51.1395% | 3,740 |
| Net loans and leases to deposits | 59.5121% | 3,798 |
| Net loans and leases to core deposits | 65.8049% | 3,557 |
| Total domestic deposits to total assets | 85.9313% | 2,393 |
| Equity capital to assets | 9.3604% | 3,730 |
| Core capital (leverage) ratio | 10.0344% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,902,000 | 3,368 |
| Average earning assets | $128,463,800 | 3,527 |
| Average equity | $14,436,800 | 3,701 |
| Average total loans | $92,078,800 | 3,369 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1019% | 502 |
| Cost of funding earning assets | 0.8142% | 1,424 |
| Net interest margin | 4.2877% | 601 |
| Noninterest income to average assets | 0.9428% | 1,132 |
| Noninterest expense to average assets | 3.1341% | 1,177 |
| Loan and lease loss provision to assets | 0.2379% | 1,707 |
| Net operating income to assets | 1.0370% | 2,199 |
| Return on assets (ROA) | 1.0370% | 2,325 |
| Pretax return on assets | 1.1622% | 2,518 |
| Return on Equity (ROE) | 11.0132% | 1,674 |
| Retained earnings to average equity (ytd only) | 11.0132% | 574 |
| Net charge-offs to loans | 0.3315% | 470 |
| Credit loss provision to net charge-offs | 114.8936% | 2,518 |
| Earnings coverage of net charge-offs (x) | 6.7617% | 2,631 |
| Efficiency ratio | 69.1216% | 2,018 |
| Assets per employee ($millions) | 5.0651% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,535 |
| Loan loss allowance to noncurrent loans | 48.2787% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 2.0246% | 321 |
| Noncurrent loans to loans | 2.5364% | 411 |
| Net loans and leases to total assets | 61.2348% | 3,090 |
| Net loans and leases to deposits | 73.9295% | 2,963 |
| Net loans and leases to core deposits | 84.8256% | 2,397 |
| Total domestic deposits to total assets | 82.8286% | 3,185 |
| Equity capital to assets | 9.6455% | 3,558 |
| Core capital (leverage) ratio | 10.0865% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8180% | 2,281 |
| Memoranda: | ||
| Average total assets | $151,323,250 | 3,369 |
| Average earning assets | $126,746,750 | 3,528 |
| Average equity | $14,249,250 | 3,728 |
| Average total loans | $94,505,500 | 3,337 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1218% | 663 |
| Cost of funding earning assets | 0.8166% | 1,753 |
| Net interest margin | 4.3052% | 745 |
| Noninterest income to average assets | 0.7884% | 1,471 |
| Noninterest expense to average assets | 3.1427% | 1,258 |
| Loan and lease loss provision to assets | 0.2409% | 1,745 |
| Net operating income to assets | 0.9003% | 2,688 |
| Return on assets (ROA) | 0.8312% | 3,052 |
| Pretax return on assets | 0.9329% | 3,221 |
| Return on Equity (ROE) | 8.9028% | 2,398 |
| Retained earnings to average equity (ytd only) | 8.9028% | 1,032 |
| Net charge-offs to loans | 0.0470% | 1,812 |
| Credit loss provision to net charge-offs | 818.1818% | 909 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 1,204 |
| Efficiency ratio | 71.5200% | 1,758 |
| Assets per employee ($millions) | 5.1752% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 2,031 |
| Loan loss allowance to noncurrent loans | 39.5608% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 2.2558% | 281 |
| Noncurrent loans to loans | 3.2726% | 265 |
| Net loans and leases to total assets | 62.4919% | 3,073 |
| Net loans and leases to deposits | 79.0901% | 2,531 |
| Net loans and leases to core deposits | 87.5362% | 2,298 |
| Total domestic deposits to total assets | 79.0135% | 4,033 |
| Equity capital to assets | 9.0686% | 4,024 |
| Core capital (leverage) ratio | 9.8708% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8942% | 2,649 |
| Memoranda: | ||
| Average total assets | $149,425,333 | 3,368 |
| Average earning assets | $125,150,667 | 3,530 |
| Average equity | $13,950,667 | 3,774 |
| Average total loans | $93,560,333 | 3,343 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4340% | 429 |
| Cost of funding earning assets | 0.8350% | 2,198 |
| Net interest margin | 4.5990% | 413 |
| Noninterest income to average assets | 0.6253% | 1,928 |
| Noninterest expense to average assets | 3.3518% | 1,141 |
| Loan and lease loss provision to assets | 0.2501% | 1,239 |
| Net operating income to assets | 0.7981% | 2,915 |
| Return on assets (ROA) | 0.5003% | 3,954 |
| Pretax return on assets | 0.5336% | 4,064 |
| Return on Equity (ROE) | 5.2741% | 3,545 |
| Retained earnings to average equity (ytd only) | 5.2741% | 2,162 |
| Net charge-offs to loans | 0.0759% | 1,262 |
| Credit loss provision to net charge-offs | 529.4118% | 851 |
| Earnings coverage of net charge-offs (x) | 23.2941% | 1,333 |
| Efficiency ratio | 75.2809% | 1,647 |
| Assets per employee ($millions) | 4.8103% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 2,023 |
| Loan loss allowance to noncurrent loans | 32.3089% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 2.7535% | 229 |
| Noncurrent loans to loans | 4.1014% | 185 |
| Net loans and leases to total assets | 61.4217% | 3,358 |
| Net loans and leases to deposits | 77.3627% | 2,942 |
| Net loans and leases to core deposits | 84.9955% | 2,766 |
| Total domestic deposits to total assets | 79.3944% | 3,975 |
| Equity capital to assets | 9.2811% | 4,409 |
| Core capital (leverage) ratio | 10.2582% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,922,000 | 3,411 |
| Average earning assets | $119,765,500 | 3,582 |
| Average equity | $13,651,500 | 3,818 |
| Average total loans | $89,554,500 | 3,404 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3529% | 743 |
| Cost of funding earning assets | 0.8260% | 2,549 |
| Net interest margin | 4.5269% | 684 |
| Noninterest income to average assets | 0.8396% | 1,335 |
| Noninterest expense to average assets | 3.5626% | 889 |
| Loan and lease loss provision to assets | 0.5489% | 225 |
| Net operating income to assets | 0.4984% | 4,408 |
| Return on assets (ROA) | 0.6276% | 4,141 |
| Pretax return on assets | 0.6973% | 4,212 |
| Return on Equity (ROE) | 6.4421% | 3,764 |
| Retained earnings to average equity (ytd only) | 4.0679% | 2,932 |
| Net charge-offs to loans | 0.8606% | 190 |
| Credit loss provision to net charge-offs | 100.2522% | 2,457 |
| Earnings coverage of net charge-offs (x) | 2.0139% | 3,464 |
| Efficiency ratio | 76.3653% | 1,319 |
| Assets per employee ($millions) | 4.5030% | 3,214 |
| Cash dividends to net income (ytd only)* | 36.8537% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0617% | 416 |
| Loan loss allowance to noncurrent loans | 49.1848% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 2.8533% | 199 |
| Noncurrent loans to loans | 4.1918% | 152 |
| Net loans and leases to total assets | 61.5938% | 3,441 |
| Net loans and leases to deposits | 72.9200% | 3,446 |
| Net loans and leases to core deposits | 80.1208% | 3,283 |
| Total domestic deposits to total assets | 84.4676% | 2,696 |
| Equity capital to assets | 10.1940% | 3,736 |
| Core capital (leverage) ratio | 10.6185% | 2,838 |
| Tier 1 risk-based capital ratio | 13.9110% | 3,312 |
| Total risk-based capital ratio | 15.1663% | 3,215 |
| Memoranda: | ||
| Average total assets | $144,836,600 | 3,369 |
| Average earning assets | $122,402,000 | 3,530 |
| Average equity | $14,110,400 | 3,736 |
| Average total loans | $92,140,800 | 3,356 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4553% | 638 |
| Cost of funding earning assets | 0.8369% | 2,524 |
| Net interest margin | 4.6184% | 594 |
| Noninterest income to average assets | 0.7453% | 1,606 |
| Noninterest expense to average assets | 3.3992% | 1,093 |
| Loan and lease loss provision to assets | 0.2463% | 673 |
| Net operating income to assets | 0.9132% | 3,299 |
| Return on assets (ROA) | 0.9132% | 3,377 |
| Pretax return on assets | 1.0218% | 3,517 |
| Return on Equity (ROE) | 9.4786% | 2,683 |
| Retained earnings to average equity (ytd only) | 9.4786% | 904 |
| Net charge-offs to loans | -0.2589% | 5,139 |
| Credit loss provision to net charge-offs | -149.1713% | 4,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8303% | 1,724 |
| Assets per employee ($millions) | 5.0221% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4837% | 224 |
| Loan loss allowance to noncurrent loans | 57.4809% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 2.7585% | 217 |
| Noncurrent loans to loans | 4.3210% | 146 |
| Net loans and leases to total assets | 58.8685% | 3,788 |
| Net loans and leases to deposits | 77.2439% | 3,176 |
| Net loans and leases to core deposits | 85.5499% | 2,948 |
| Total domestic deposits to total assets | 76.2111% | 4,621 |
| Equity capital to assets | 9.8870% | 4,129 |
| Core capital (leverage) ratio | 10.6542% | 2,973 |
| Tier 1 risk-based capital ratio | 13.6769% | 3,490 |
| Total risk-based capital ratio | 14.9352% | 3,391 |
| Memoranda: | ||
| Average total assets | $146,147,750 | 3,383 |
| Average earning assets | $124,109,750 | 3,545 |
| Average equity | $14,080,500 | 3,774 |
| Average total loans | $93,228,500 | 3,373 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3870% | 699 |
| Cost of funding earning assets | 0.7051% | 3,144 |
| Net interest margin | 4.6819% | 510 |
| Noninterest income to average assets | 0.8511% | 1,203 |
| Noninterest expense to average assets | 3.5015% | 957 |
| Loan and lease loss provision to assets | 0.2491% | 618 |
| Net operating income to assets | 0.9591% | 3,066 |
| Return on assets (ROA) | 0.9591% | 3,141 |
| Pretax return on assets | 1.0795% | 3,292 |
| Return on Equity (ROE) | 10.0198% | 2,375 |
| Retained earnings to average equity (ytd only) | 10.0198% | 749 |
| Net charge-offs to loans | -0.4192% | 5,213 |
| Credit loss provision to net charge-offs | -91.3706% | 3,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4928% | 1,843 |
| Assets per employee ($millions) | 4.8602% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3107% | 288 |
| Loan loss allowance to noncurrent loans | 63.6470% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 2.5253% | 292 |
| Noncurrent loans to loans | 3.6305% | 219 |
| Net loans and leases to total assets | 63.3545% | 3,412 |
| Net loans and leases to deposits | 82.0555% | 2,726 |
| Net loans and leases to core deposits | 101.7178% | 1,582 |
| Total domestic deposits to total assets | 77.2093% | 4,537 |
| Equity capital to assets | 9.9379% | 4,024 |
| Core capital (leverage) ratio | 10.9162% | 2,673 |
| Tier 1 risk-based capital ratio | 12.8909% | 3,897 |
| Total risk-based capital ratio | 14.1477% | 3,792 |
| Memoranda: | ||
| Average total assets | $144,510,670 | 3,422 |
| Average earning assets | $122,814,670 | 3,585 |
| Average equity | $13,832,670 | 3,810 |
| Average total loans | $93,987,330 | 3,376 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2433% | 834 |
| Cost of funding earning assets | 0.6223% | 3,449 |
| Net interest margin | 4.6211% | 581 |
| Noninterest income to average assets | 0.9453% | 930 |
| Noninterest expense to average assets | 3.4199% | 1,084 |
| Loan and lease loss provision to assets | 0.2502% | 582 |
| Net operating income to assets | 1.0844% | 2,529 |
| Return on assets (ROA) | 1.0844% | 2,574 |
| Pretax return on assets | 1.1984% | 2,809 |
| Return on Equity (ROE) | 11.5521% | 1,712 |
| Retained earnings to average equity (ytd only) | 11.5521% | 694 |
| Net charge-offs to loans | 0.2476% | 586 |
| Credit loss provision to net charge-offs | 155.1724% | 1,213 |
| Earnings coverage of net charge-offs (x) | 8.9828% | 2,057 |
| Efficiency ratio | 70.2456% | 2,297 |
| Assets per employee ($millions) | 4.5669% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1286% | 401 |
| Loan loss allowance to noncurrent loans | 81.6327% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.8123% | 577 |
| Noncurrent loans to loans | 2.6075% | 491 |
| Net loans and leases to total assets | 61.7501% | 3,529 |
| Net loans and leases to deposits | 73.9741% | 3,457 |
| Net loans and leases to core deposits | 90.7873% | 2,419 |
| Total domestic deposits to total assets | 83.4753% | 3,227 |
| Equity capital to assets | 10.1367% | 3,687 |
| Core capital (leverage) ratio | 11.1276% | 2,448 |
| Tier 1 risk-based capital ratio | 13.8575% | 3,416 |
| Total risk-based capital ratio | 15.1123% | 3,326 |
| Memoranda: | ||
| Average total assets | $143,863,500 | 3,467 |
| Average earning assets | $122,136,500 | 3,628 |
| Average equity | $13,504,000 | 3,871 |
| Average total loans | $93,701,500 | 3,415 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2754% | 610 |
| Cost of funding earning assets | 0.6720% | 2,252 |
| Net interest margin | 4.6034% | 600 |
| Noninterest income to average assets | 0.8311% | 1,366 |
| Noninterest expense to average assets | 3.4145% | 1,125 |
| Loan and lease loss provision to assets | 0.3329% | 471 |
| Net operating income to assets | 0.8793% | 3,500 |
| Return on assets (ROA) | 0.8799% | 3,490 |
| Pretax return on assets | 1.0055% | 3,577 |
| Return on Equity (ROE) | 9.9114% | 2,552 |
| Retained earnings to average equity (ytd only) | 7.3214% | 1,530 |
| Net charge-offs to loans | 0.1152% | 1,601 |
| Credit loss provision to net charge-offs | 449.0741% | 762 |
| Earnings coverage of net charge-offs (x) | 18.0463% | 2,160 |
| Efficiency ratio | 71.8515% | 1,925 |
| Assets per employee ($millions) | 4.8619% | 2,664 |
| Cash dividends to net income (ytd only)* | 26.1310% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7908% | 692 |
| Loan loss allowance to noncurrent loans | 70.2955% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.7078% | 627 |
| Noncurrent loans to loans | 2.5475% | 471 |
| Net loans and leases to total assets | 65.7862% | 3,161 |
| Net loans and leases to deposits | 85.7258% | 2,309 |
| Net loans and leases to core deposits | 104.6315% | 1,366 |
| Total domestic deposits to total assets | 76.7403% | 4,672 |
| Equity capital to assets | 8.7049% | 4,795 |
| Core capital (leverage) ratio | 10.0090% | 3,562 |
| Tier 1 risk-based capital ratio | 12.2464% | 4,271 |
| Total risk-based capital ratio | 13.4991% | 4,159 |
| Memoranda: | ||
| Average total assets | $145,701,800 | 3,433 |
| Average earning assets | $124,105,200 | 3,586 |
| Average equity | $12,934,600 | 3,896 |
| Average total loans | $93,718,800 | 3,411 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2759% | 543 |
| Cost of funding earning assets | 0.6191% | 2,343 |
| Net interest margin | 4.6568% | 518 |
| Noninterest income to average assets | 0.7237% | 1,777 |
| Noninterest expense to average assets | 3.2768% | 1,354 |
| Loan and lease loss provision to assets | 0.2492% | 634 |
| Net operating income to assets | 1.0098% | 3,043 |
| Return on assets (ROA) | 1.0098% | 3,054 |
| Pretax return on assets | 1.1621% | 3,151 |
| Return on Equity (ROE) | 11.3175% | 2,046 |
| Retained earnings to average equity (ytd only) | 11.3175% | 587 |
| Net charge-offs to loans | 0.1277% | 1,244 |
| Credit loss provision to net charge-offs | 306.8182% | 1,008 |
| Earnings coverage of net charge-offs (x) | 17.3751% | 2,111 |
| Efficiency ratio | 69.8956% | 2,210 |
| Assets per employee ($millions) | 5.0831% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 894 |
| Loan loss allowance to noncurrent loans | 69.4660% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 1.5247% | 835 |
| Noncurrent loans to loans | 2.4326% | 547 |
| Net loans and leases to total assets | 61.5379% | 3,692 |
| Net loans and leases to deposits | 84.2122% | 2,576 |
| Net loans and leases to core deposits | 107.1807% | 1,219 |
| Total domestic deposits to total assets | 73.0748% | 5,055 |
| Equity capital to assets | 8.6915% | 4,803 |
| Core capital (leverage) ratio | 9.9207% | 3,716 |
| Tier 1 risk-based capital ratio | 13.1664% | 3,806 |
| Total risk-based capital ratio | 14.4183% | 3,719 |
| Memoranda: | ||
| Average total assets | $144,447,250 | 3,487 |
| Average earning assets | $122,970,500 | 3,636 |
| Average equity | $12,888,250 | 3,926 |
| Average total loans | $91,908,250 | 3,464 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0720% | 695 |
| Cost of funding earning assets | 0.4986% | 3,016 |
| Net interest margin | 4.5734% | 592 |
| Noninterest income to average assets | 0.7322% | 1,728 |
| Noninterest expense to average assets | 3.2998% | 1,325 |
| Loan and lease loss provision to assets | 0.2539% | 606 |
| Net operating income to assets | 0.9424% | 3,262 |
| Return on assets (ROA) | 0.9424% | 3,272 |
| Pretax return on assets | 1.0736% | 3,416 |
| Return on Equity (ROE) | 10.4650% | 2,352 |
| Retained earnings to average equity (ytd only) | 10.4650% | 803 |
| Net charge-offs to loans | 0.2072% | 765 |
| Credit loss provision to net charge-offs | 191.4894% | 1,346 |
| Earnings coverage of net charge-offs (x) | 10.0106% | 2,358 |
| Efficiency ratio | 71.3110% | 2,115 |
| Assets per employee ($millions) | 5.1196% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 1,236 |
| Loan loss allowance to noncurrent loans | 61.7671% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.6569% | 751 |
| Noncurrent loans to loans | 2.5106% | 517 |
| Net loans and leases to total assets | 64.8667% | 3,295 |
| Net loans and leases to deposits | 87.7497% | 2,138 |
| Net loans and leases to core deposits | 109.0927% | 1,050 |
| Total domestic deposits to total assets | 73.9225% | 5,051 |
| Equity capital to assets | 8.7453% | 4,764 |
| Core capital (leverage) ratio | 10.4360% | 3,091 |
| Tier 1 risk-based capital ratio | 12.3272% | 4,288 |
| Total risk-based capital ratio | 13.5770% | 4,173 |
| Memoranda: | ||
| Average total assets | $141,765,330 | 3,548 |
| Average earning assets | $120,741,670 | 3,694 |
| Average equity | $12,766,330 | 3,965 |
| Average total loans | $90,726,330 | 3,501 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 671 |
| Cost of funding earning assets | 0.4057% | 3,537 |
| Net interest margin | 4.6124% | 488 |
| Noninterest income to average assets | 0.6911% | 1,873 |
| Noninterest expense to average assets | 3.3892% | 1,182 |
| Loan and lease loss provision to assets | 0.2603% | 552 |
| Net operating income to assets | 0.8473% | 3,517 |
| Return on assets (ROA) | 0.8473% | 3,534 |
| Pretax return on assets | 0.9543% | 3,692 |
| Return on Equity (ROE) | 9.4163% | 2,712 |
| Retained earnings to average equity (ytd only) | 9.4163% | 1,325 |
| Net charge-offs to loans | 0.4359% | 353 |
| Credit loss provision to net charge-offs | 94.7368% | 1,635 |
| Earnings coverage of net charge-offs (x) | 4.4211% | 2,305 |
| Efficiency ratio | 73.6181% | 1,946 |
| Assets per employee ($millions) | 4.6393% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7028% | 939 |
| Loan loss allowance to noncurrent loans | 72.5331% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.4650% | 973 |
| Noncurrent loans to loans | 2.3476% | 607 |
| Net loans and leases to total assets | 61.1848% | 3,627 |
| Net loans and leases to deposits | 70.7722% | 3,725 |
| Net loans and leases to core deposits | 87.0648% | 2,711 |
| Total domestic deposits to total assets | 86.4531% | 2,337 |
| Equity capital to assets | 9.2456% | 4,323 |
| Core capital (leverage) ratio | 10.6528% | 2,791 |
| Tier 1 risk-based capital ratio | 13.0432% | 3,925 |
| Total risk-based capital ratio | 14.2939% | 3,839 |
| Memoranda: | ||
| Average total assets | $138,320,500 | 3,629 |
| Average earning assets | $117,336,500 | 3,795 |
| Average equity | $12,446,500 | 4,059 |
| Average total loans | $87,177,500 | 3,605 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 589 |
| Cost of funding earning assets | 0.4699% | 2,606 |
| Net interest margin | 4.5788% | 523 |
| Noninterest income to average assets | 0.7586% | 1,742 |
| Noninterest expense to average assets | 3.5606% | 945 |
| Loan and lease loss provision to assets | 0.4790% | 278 |
| Net operating income to assets | 0.1432% | 5,206 |
| Return on assets (ROA) | 0.1473% | 5,205 |
| Pretax return on assets | 0.6063% | 4,730 |
| Return on Equity (ROE) | 1.5663% | 5,145 |
| Retained earnings to average equity (ytd only) | -0.9808% | 5,182 |
| Net charge-offs to loans | 0.5032% | 468 |
| Credit loss provision to net charge-offs | 152.9680% | 1,750 |
| Earnings coverage of net charge-offs (x) | 3.4452% | 3,607 |
| Efficiency ratio | 76.7453% | 1,516 |
| Assets per employee ($millions) | 4.3061% | 3,476 |
| Cash dividends to net income (ytd only)* | 162.6214% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 1,186 |
| Loan loss allowance to noncurrent loans | 96.8856% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.0436% | 1,465 |
| Noncurrent loans to loans | 1.6300% | 1,014 |
| Net loans and leases to total assets | 62.7582% | 3,516 |
| Net loans and leases to deposits | 80.3134% | 2,878 |
| Net loans and leases to core deposits | 99.8466% | 1,726 |
| Total domestic deposits to total assets | 78.1416% | 4,694 |
| Equity capital to assets | 8.7642% | 4,914 |
| Core capital (leverage) ratio | 9.9850% | 3,477 |
| Tier 1 risk-based capital ratio | 12.5619% | 4,171 |
| Total risk-based capital ratio | 13.8128% | 4,066 |
| Memoranda: | ||
| Average total assets | $139,865,600 | 3,616 |
| Average earning assets | $118,547,200 | 3,772 |
| Average equity | $13,152,400 | 3,964 |
| Average total loans | $87,050,600 | 3,586 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0613% | 542 |
| Cost of funding earning assets | 0.4677% | 2,539 |
| Net interest margin | 4.5936% | 494 |
| Noninterest income to average assets | 0.6336% | 2,293 |
| Noninterest expense to average assets | 3.4398% | 1,082 |
| Loan and lease loss provision to assets | 0.2584% | 658 |
| Net operating income to assets | 0.6786% | 4,087 |
| Return on assets (ROA) | 0.6872% | 4,111 |
| Pretax return on assets | 0.8375% | 4,248 |
| Return on Equity (ROE) | 7.1832% | 3,552 |
| Retained earnings to average equity (ytd only) | 7.1832% | 1,594 |
| Net charge-offs to loans | 0.1780% | 1,185 |
| Credit loss provision to net charge-offs | 234.7826% | 1,189 |
| Earnings coverage of net charge-offs (x) | 9.8608% | 2,654 |
| Efficiency ratio | 76.0152% | 1,587 |
| Assets per employee ($millions) | 4.4334% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 1,411 |
| Loan loss allowance to noncurrent loans | 76.7574% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.2201% | 1,345 |
| Noncurrent loans to loans | 1.9982% | 854 |
| Net loans and leases to total assets | 59.4150% | 3,930 |
| Net loans and leases to deposits | 79.8028% | 2,990 |
| Net loans and leases to core deposits | 98.8155% | 1,816 |
| Total domestic deposits to total assets | 74.4523% | 5,190 |
| Equity capital to assets | 9.4414% | 4,496 |
| Core capital (leverage) ratio | 10.3626% | 3,121 |
| Tier 1 risk-based capital ratio | 13.2882% | 3,827 |
| Total risk-based capital ratio | 14.4827% | 3,779 |
| Memoranda: | ||
| Average total assets | $139,306,750 | 3,659 |
| Average earning assets | $118,017,000 | 3,820 |
| Average equity | $13,327,000 | 3,979 |
| Average total loans | $86,160,500 | 3,634 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8872% | 715 |
| Cost of funding earning assets | 0.4207% | 2,883 |
| Net interest margin | 4.4665% | 611 |
| Noninterest income to average assets | 0.6848% | 2,060 |
| Noninterest expense to average assets | 3.4474% | 1,083 |
| Loan and lease loss provision to assets | 0.2628% | 625 |
| Net operating income to assets | 0.6425% | 4,118 |
| Return on assets (ROA) | 0.6498% | 4,133 |
| Pretax return on assets | 0.7812% | 4,338 |
| Return on Equity (ROE) | 6.7603% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.7603% | 1,710 |
| Net charge-offs to loans | 0.2200% | 927 |
| Credit loss provision to net charge-offs | 191.4894% | 1,315 |
| Earnings coverage of net charge-offs (x) | 7.5426% | 2,593 |
| Efficiency ratio | 76.9055% | 1,593 |
| Assets per employee ($millions) | 4.3332% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,813 |
| Loan loss allowance to noncurrent loans | 86.5320% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.0895% | 1,605 |
| Noncurrent loans to loans | 1.6534% | 1,113 |
| Net loans and leases to total assets | 61.9113% | 3,641 |
| Net loans and leases to deposits | 81.4391% | 2,753 |
| Net loans and leases to core deposits | 98.1779% | 1,789 |
| Total domestic deposits to total assets | 76.0215% | 5,090 |
| Equity capital to assets | 9.4821% | 4,417 |
| Core capital (leverage) ratio | 10.6131% | 2,795 |
| Tier 1 risk-based capital ratio | 12.8892% | 4,067 |
| Total risk-based capital ratio | 14.0160% | 4,048 |
| Memoranda: | ||
| Average total assets | $136,974,670 | 3,707 |
| Average earning assets | $116,466,330 | 3,874 |
| Average equity | $13,165,000 | 4,013 |
| Average total loans | $85,454,000 | 3,668 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7887% | 766 |
| Cost of funding earning assets | 0.3765% | 3,238 |
| Net interest margin | 4.4122% | 622 |
| Noninterest income to average assets | 0.6629% | 2,127 |
| Noninterest expense to average assets | 3.4039% | 1,195 |
| Loan and lease loss provision to assets | 0.2687% | 543 |
| Net operating income to assets | 0.6227% | 4,049 |
| Return on assets (ROA) | 0.6151% | 4,144 |
| Pretax return on assets | 0.7256% | 4,368 |
| Return on Equity (ROE) | 6.3541% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.3541% | 2,160 |
| Net charge-offs to loans | -0.0913% | 5,423 |
| Credit loss provision to net charge-offs | -473.6842% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2358% | 1,728 |
| Assets per employee ($millions) | 3.9273% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 1,251 |
| Loan loss allowance to noncurrent loans | 42.7451% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 2.4182% | 491 |
| Noncurrent loans to loans | 3.8584% | 277 |
| Net loans and leases to total assets | 60.1843% | 3,766 |
| Net loans and leases to deposits | 69.9257% | 3,802 |
| Net loans and leases to core deposits | 83.5225% | 2,942 |
| Total domestic deposits to total assets | 86.0689% | 2,635 |
| Equity capital to assets | 10.1603% | 3,561 |
| Core capital (leverage) ratio | 10.9770% | 2,377 |
| Tier 1 risk-based capital ratio | 13.7501% | 3,634 |
| Total risk-based capital ratio | 14.9885% | 3,545 |
| Memoranda: | ||
| Average total assets | $133,964,500 | 3,780 |
| Average earning assets | $113,683,500 | 3,948 |
| Average equity | $12,968,000 | 4,065 |
| Average total loans | $83,273,500 | 3,733 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9433% | 666 |
| Cost of funding earning assets | 0.4334% | 2,674 |
| Net interest margin | 4.5100% | 608 |
| Noninterest income to average assets | 0.7684% | 1,890 |
| Noninterest expense to average assets | 3.6986% | 887 |
| Loan and lease loss provision to assets | 0.3253% | 555 |
| Net operating income to assets | 0.4349% | 4,839 |
| Return on assets (ROA) | 0.4365% | 4,922 |
| Pretax return on assets | 0.5966% | 4,792 |
| Return on Equity (ROE) | 4.4718% | 4,672 |
| Retained earnings to average equity (ytd only) | 1.9625% | 4,422 |
| Net charge-offs to loans | 0.6517% | 339 |
| Credit loss provision to net charge-offs | 81.5018% | 2,952 |
| Earnings coverage of net charge-offs (x) | 2.3040% | 3,850 |
| Efficiency ratio | 80.0855% | 1,411 |
| Assets per employee ($millions) | 4.6109% | 2,942 |
| Cash dividends to net income (ytd only)* | 56.1139% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 2,201 |
| Loan loss allowance to noncurrent loans | 50.4842% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.7712% | 844 |
| Noncurrent loans to loans | 2.7224% | 547 |
| Net loans and leases to total assets | 62.2004% | 3,588 |
| Net loans and leases to deposits | 82.0992% | 2,660 |
| Net loans and leases to core deposits | 100.6763% | 1,563 |
| Total domestic deposits to total assets | 75.7625% | 5,265 |
| Equity capital to assets | 9.2303% | 4,539 |
| Core capital (leverage) ratio | 10.1568% | 3,291 |
| Tier 1 risk-based capital ratio | 12.9924% | 4,086 |
| Total risk-based capital ratio | 14.0927% | 4,068 |
| Memoranda: | ||
| Average total assets | $136,783,200 | 3,719 |
| Average earning assets | $116,763,200 | 3,890 |
| Average equity | $13,350,200 | 4,050 |
| Average total loans | $83,775,400 | 3,714 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9230% | 695 |
| Cost of funding earning assets | 0.4254% | 2,775 |
| Net interest margin | 4.4976% | 635 |
| Noninterest income to average assets | 0.8309% | 1,646 |
| Noninterest expense to average assets | 3.5621% | 1,053 |
| Loan and lease loss provision to assets | 0.2199% | 944 |
| Net operating income to assets | 0.7354% | 3,666 |
| Return on assets (ROA) | 0.7370% | 3,794 |
| Pretax return on assets | 0.8954% | 3,992 |
| Return on Equity (ROE) | 7.4491% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.4491% | 1,423 |
| Net charge-offs to loans | 0.7301% | 252 |
| Credit loss provision to net charge-offs | 49.5595% | 3,041 |
| Earnings coverage of net charge-offs (x) | 2.5088% | 3,557 |
| Efficiency ratio | 76.1865% | 1,950 |
| Assets per employee ($millions) | 4.5417% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 3,116 |
| Loan loss allowance to noncurrent loans | 66.1519% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 1.2096% | 1,644 |
| Noncurrent loans to loans | 1.8455% | 1,103 |
| Net loans and leases to total assets | 61.5482% | 3,685 |
| Net loans and leases to deposits | 84.9534% | 2,373 |
| Net loans and leases to core deposits | 107.6286% | 1,072 |
| Total domestic deposits to total assets | 72.4494% | 5,570 |
| Equity capital to assets | 9.9402% | 4,189 |
| Core capital (leverage) ratio | 10.2905% | 3,236 |
| Tier 1 risk-based capital ratio | 13.0938% | 4,102 |
| Total risk-based capital ratio | 14.0476% | 4,191 |
| Memoranda: | ||
| Average total assets | $136,397,250 | 3,746 |
| Average earning assets | $116,591,750 | 3,916 |
| Average equity | $13,495,750 | 4,060 |
| Average total loans | $82,909,500 | 3,760 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7391% | 973 |
| Cost of funding earning assets | 0.4017% | 3,023 |
| Net interest margin | 4.3374% | 865 |
| Noninterest income to average assets | 0.9857% | 1,150 |
| Noninterest expense to average assets | 3.4462% | 1,272 |
| Loan and lease loss provision to assets | 0.2001% | 1,071 |
| Net operating income to assets | 0.8585% | 3,056 |
| Return on assets (ROA) | 0.8597% | 3,176 |
| Pretax return on assets | 1.0539% | 3,382 |
| Return on Equity (ROE) | 8.7026% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.7026% | 936 |
| Net charge-offs to loans | 0.0467% | 2,547 |
| Credit loss provision to net charge-offs | 710.5263% | 498 |
| Earnings coverage of net charge-offs (x) | 44.4737% | 1,080 |
| Efficiency ratio | 73.3438% | 2,464 |
| Assets per employee ($millions) | 4.8386% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 1,428 |
| Loan loss allowance to noncurrent loans | 70.9774% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.4823% | 1,294 |
| Noncurrent loans to loans | 2.3133% | 786 |
| Net loans and leases to total assets | 60.4508% | 3,820 |
| Net loans and leases to deposits | 81.5216% | 2,760 |
| Net loans and leases to core deposits | 100.0578% | 1,628 |
| Total domestic deposits to total assets | 74.1532% | 5,504 |
| Equity capital to assets | 9.8226% | 4,418 |
| Core capital (leverage) ratio | 10.5597% | 2,898 |
| Tier 1 risk-based capital ratio | 13.2552% | 4,038 |
| Total risk-based capital ratio | 14.5060% | 3,959 |
| Memoranda: | ||
| Average total assets | $134,932,330 | 3,796 |
| Average earning assets | $115,507,670 | 3,954 |
| Average equity | $13,329,330 | 4,102 |
| Average total loans | $81,304,000 | 3,816 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 1,042 |
| Cost of funding earning assets | 0.3908% | 3,178 |
| Net interest margin | 4.3134% | 904 |
| Noninterest income to average assets | 0.6306% | 2,366 |
| Noninterest expense to average assets | 3.9126% | 677 |
| Loan and lease loss provision to assets | 0.1351% | 1,561 |
| Net operating income to assets | 0.2492% | 5,438 |
| Return on assets (ROA) | 0.2522% | 5,501 |
| Pretax return on assets | 0.2312% | 5,606 |
| Return on Equity (ROE) | 2.3721% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.3721% | 4,302 |
| Net charge-offs to loans | 0.2435% | 843 |
| Credit loss provision to net charge-offs | 93.7500% | 1,728 |
| Earnings coverage of net charge-offs (x) | 2.5208% | 2,671 |
| Efficiency ratio | 91.5028% | 581 |
| Assets per employee ($millions) | 4.5295% | 3,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7022% | 1,365 |
| Loan loss allowance to noncurrent loans | 88.8965% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.1762% | 1,874 |
| Noncurrent loans to loans | 1.9148% | 1,133 |
| Net loans and leases to total assets | 57.0183% | 4,147 |
| Net loans and leases to deposits | 68.0214% | 4,056 |
| Net loans and leases to core deposits | 83.8750% | 2,947 |
| Total domestic deposits to total assets | 83.8241% | 3,588 |
| Equity capital to assets | 10.8400% | 3,125 |
| Core capital (leverage) ratio | 11.3402% | 2,104 |
| Tier 1 risk-based capital ratio | 14.1217% | 3,608 |
| Total risk-based capital ratio | 15.3574% | 3,546 |
| Memoranda: | ||
| Average total assets | $133,211,000 | 3,857 |
| Average earning assets | $112,579,000 | 4,027 |
| Average equity | $14,164,500 | 3,987 |
| Average total loans | $78,836,000 | 3,892 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 1,101 |
| Cost of funding earning assets | 0.3571% | 3,625 |
| Net interest margin | 4.3446% | 882 |
| Noninterest income to average assets | 1.7201% | 446 |
| Noninterest expense to average assets | 3.7537% | 916 |
| Loan and lease loss provision to assets | 0.8528% | 106 |
| Net operating income to assets | 0.8268% | 3,214 |
| Return on assets (ROA) | 0.8268% | 3,291 |
| Pretax return on assets | 0.8359% | 4,086 |
| Return on Equity (ROE) | 7.7109% | 3,128 |
| Retained earnings to average equity (ytd only) | 5.2143% | 2,267 |
| Net charge-offs to loans | 1.4509% | 109 |
| Credit loss provision to net charge-offs | 104.0112% | 2,411 |
| Earnings coverage of net charge-offs (x) | 2.0597% | 3,981 |
| Efficiency ratio | 68.9713% | 3,405 |
| Assets per employee ($millions) | 4.2208% | 3,534 |
| Cash dividends to net income (ytd only)* | 32.3774% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 1,625 |
| Loan loss allowance to noncurrent loans | 82.2785% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.2187% | 1,775 |
| Noncurrent loans to loans | 1.9392% | 1,097 |
| Net loans and leases to total assets | 59.3621% | 3,923 |
| Net loans and leases to deposits | 77.8367% | 3,071 |
| Net loans and leases to core deposits | 97.3968% | 1,723 |
| Total domestic deposits to total assets | 76.2649% | 5,415 |
| Equity capital to assets | 10.4319% | 3,445 |
| Core capital (leverage) ratio | 11.4690% | 1,982 |
| Tier 1 risk-based capital ratio | 13.4691% | 4,022 |
| Total risk-based capital ratio | 14.6522% | 3,999 |
| Memoranda: | ||
| Average total assets | $130,752,000 | 3,876 |
| Average earning assets | $112,024,000 | 4,036 |
| Average equity | $14,019,200 | 3,971 |
| Average total loans | $73,882,800 | 3,999 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6948% | 1,109 |
| Cost of funding earning assets | 0.3451% | 3,807 |
| Net interest margin | 4.3497% | 875 |
| Noninterest income to average assets | 0.9706% | 1,254 |
| Noninterest expense to average assets | 3.5319% | 1,229 |
| Loan and lease loss provision to assets | 0.2005% | 1,004 |
| Net operating income to assets | 0.8760% | 3,056 |
| Return on assets (ROA) | 0.8760% | 3,143 |
| Pretax return on assets | 0.9840% | 3,673 |
| Return on Equity (ROE) | 8.1132% | 3,014 |
| Retained earnings to average equity (ytd only) | 8.1132% | 1,206 |
| Net charge-offs to loans | 0.5149% | 465 |
| Credit loss provision to net charge-offs | 70.1439% | 2,766 |
| Earnings coverage of net charge-offs (x) | 4.1439% | 3,393 |
| Efficiency ratio | 74.8855% | 2,421 |
| Assets per employee ($millions) | 3.9904% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 1,784 |
| Loan loss allowance to noncurrent loans | 64.3288% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.4817% | 1,523 |
| Noncurrent loans to loans | 2.4917% | 818 |
| Net loans and leases to total assets | 56.4405% | 4,300 |
| Net loans and leases to deposits | 73.2687% | 3,621 |
| Net loans and leases to core deposits | 92.5695% | 2,208 |
| Total domestic deposits to total assets | 77.0322% | 5,333 |
| Equity capital to assets | 11.1542% | 2,845 |
| Core capital (leverage) ratio | 11.4437% | 2,084 |
| Tier 1 risk-based capital ratio | 14.6237% | 3,487 |
| Total risk-based capital ratio | 15.7749% | 3,474 |
| Memoranda: | ||
| Average total assets | $129,673,500 | 3,931 |
| Average earning assets | $111,667,250 | 4,089 |
| Average equity | $14,001,500 | 4,019 |
| Average total loans | $71,984,000 | 4,081 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 1,457 |
| Cost of funding earning assets | 0.3391% | 3,934 |
| Net interest margin | 4.1883% | 1,126 |
| Noninterest income to average assets | 1.1524% | 904 |
| Noninterest expense to average assets | 3.5279% | 1,253 |
| Loan and lease loss provision to assets | 0.1381% | 1,585 |
| Net operating income to assets | 0.9836% | 2,486 |
| Return on assets (ROA) | 0.9836% | 2,593 |
| Pretax return on assets | 1.1064% | 3,145 |
| Return on Equity (ROE) | 9.2091% | 2,431 |
| Retained earnings to average equity (ytd only) | 9.2091% | 856 |
| Net charge-offs to loans | 0.1956% | 1,282 |
| Credit loss provision to net charge-offs | 128.5714% | 1,709 |
| Earnings coverage of net charge-offs (x) | 11.5857% | 2,281 |
| Efficiency ratio | 73.9228% | 2,687 |
| Assets per employee ($millions) | 4.6204% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7642% | 1,452 |
| Loan loss allowance to noncurrent loans | 184.8046% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 3,785 |
| Noncurrent loans to loans | 0.9546% | 2,736 |
| Net loans and leases to total assets | 54.9636% | 4,463 |
| Net loans and leases to deposits | 69.6397% | 3,968 |
| Net loans and leases to core deposits | 80.4742% | 3,336 |
| Total domestic deposits to total assets | 78.9257% | 5,112 |
| Equity capital to assets | 10.9368% | 2,952 |
| Core capital (leverage) ratio | 11.3288% | 2,135 |
| Tier 1 risk-based capital ratio | 15.1013% | 3,299 |
| Total risk-based capital ratio | 16.3523% | 3,241 |
| Memoranda: | ||
| Average total assets | $130,334,000 | 3,957 |
| Average earning assets | $112,647,670 | 4,106 |
| Average equity | $13,921,000 | 4,055 |
| Average total loans | $71,564,000 | 4,120 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3167% | 2,039 |
| Cost of funding earning assets | 0.3386% | 3,998 |
| Net interest margin | 3.9782% | 1,632 |
| Noninterest income to average assets | 1.3821% | 608 |
| Noninterest expense to average assets | 3.5928% | 1,147 |
| Loan and lease loss provision to assets | 0.1376% | 1,495 |
| Net operating income to assets | 0.9204% | 2,652 |
| Return on assets (ROA) | 0.9204% | 2,772 |
| Pretax return on assets | 1.1008% | 3,075 |
| Return on Equity (ROE) | 8.7202% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.7202% | 1,301 |
| Net charge-offs to loans | 0.0450% | 2,354 |
| Credit loss provision to net charge-offs | 562.5000% | 495 |
| Earnings coverage of net charge-offs (x) | 50.6250% | 828 |
| Efficiency ratio | 74.3671% | 2,752 |
| Assets per employee ($millions) | 4.7797% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9601% | 1,159 |
| Loan loss allowance to noncurrent loans | 119.2627% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.8324% | 3,006 |
| Noncurrent loans to loans | 1.6435% | 1,695 |
| Net loans and leases to total assets | 48.3606% | 4,995 |
| Net loans and leases to deposits | 55.9371% | 5,055 |
| Net loans and leases to core deposits | 65.5260% | 4,567 |
| Total domestic deposits to total assets | 86.4554% | 2,691 |
| Equity capital to assets | 10.5162% | 3,515 |
| Core capital (leverage) ratio | 10.8600% | 2,564 |
| Tier 1 risk-based capital ratio | 16.0869% | 2,882 |
| Total risk-based capital ratio | 17.3388% | 2,815 |
| Memoranda: | ||
| Average total assets | $130,815,500 | 3,975 |
| Average earning assets | $113,419,000 | 4,110 |
| Average equity | $13,807,000 | 4,101 |
| Average total loans | $71,154,000 | 4,156 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7229% | 1,249 |
| Cost of funding earning assets | 0.3576% | 4,171 |
| Net interest margin | 4.3652% | 938 |
| Noninterest income to average assets | 1.0854% | 1,036 |
| Noninterest expense to average assets | 3.5759% | 1,346 |
| Loan and lease loss provision to assets | 0.3008% | 683 |
| Net operating income to assets | 0.7327% | 3,720 |
| Return on assets (ROA) | 0.7339% | 3,824 |
| Pretax return on assets | 0.9595% | 3,649 |
| Return on Equity (ROE) | 6.9773% | 3,650 |
| Retained earnings to average equity (ytd only) | 2.8376% | 4,221 |
| Net charge-offs to loans | 0.9657% | 325 |
| Credit loss provision to net charge-offs | 55.7185% | 3,362 |
| Earnings coverage of net charge-offs (x) | 2.3314% | 4,184 |
| Efficiency ratio | 73.9643% | 2,842 |
| Assets per employee ($millions) | 4.5643% | 2,932 |
| Cash dividends to net income (ytd only)* | 59.3312% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 1,934 |
| Loan loss allowance to noncurrent loans | 231.9188% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 4,323 |
| Noncurrent loans to loans | 0.7104% | 3,545 |
| Net loans and leases to total assets | 58.7133% | 3,960 |
| Net loans and leases to deposits | 69.6930% | 3,955 |
| Net loans and leases to core deposits | 82.1329% | 3,091 |
| Total domestic deposits to total assets | 84.2456% | 3,611 |
| Equity capital to assets | 10.5948% | 3,364 |
| Core capital (leverage) ratio | 10.6329% | 2,801 |
| Tier 1 risk-based capital ratio | 13.0801% | 4,671 |
| Total risk-based capital ratio | 14.3055% | 4,606 |
| Memoranda: | ||
| Average total assets | $126,318,200 | 4,053 |
| Average earning assets | $108,493,600 | 4,218 |
| Average equity | $13,286,000 | 4,136 |
| Average total loans | $70,622,200 | 4,163 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 1,373 |
| Cost of funding earning assets | 0.3630% | 4,203 |
| Net interest margin | 4.3098% | 1,031 |
| Noninterest income to average assets | 0.8797% | 1,592 |
| Noninterest expense to average assets | 3.5019% | 1,455 |
| Loan and lease loss provision to assets | 0.1429% | 1,757 |
| Net operating income to assets | 0.7774% | 3,525 |
| Return on assets (ROA) | 0.7791% | 3,625 |
| Pretax return on assets | 0.9326% | 3,846 |
| Return on Equity (ROE) | 7.4215% | 3,486 |
| Retained earnings to average equity (ytd only) | 7.4215% | 1,609 |
| Net charge-offs to loans | 0.7572% | 447 |
| Credit loss provision to net charge-offs | 34.3511% | 3,384 |
| Earnings coverage of net charge-offs (x) | 2.5801% | 3,875 |
| Efficiency ratio | 76.5386% | 2,406 |
| Assets per employee ($millions) | 4.5998% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 1,622 |
| Loan loss allowance to noncurrent loans | 188.0058% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 4,179 |
| Noncurrent loans to loans | 0.9750% | 3,127 |
| Net loans and leases to total assets | 54.0961% | 4,566 |
| Net loans and leases to deposits | 67.3915% | 4,195 |
| Net loans and leases to core deposits | 81.5765% | 3,141 |
| Total domestic deposits to total assets | 80.2714% | 5,025 |
| Equity capital to assets | 10.7972% | 3,186 |
| Core capital (leverage) ratio | 11.1076% | 2,392 |
| Tier 1 risk-based capital ratio | 14.3270% | 4,007 |
| Total risk-based capital ratio | 15.5782% | 3,930 |
| Memoranda: | ||
| Average total assets | $125,948,000 | 4,090 |
| Average earning assets | $107,999,500 | 4,263 |
| Average equity | $13,222,500 | 4,176 |
| Average total loans | $69,204,750 | 4,240 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4361% | 2,050 |
| Cost of funding earning assets | 0.3622% | 4,296 |
| Net interest margin | 4.0738% | 1,593 |
| Noninterest income to average assets | 0.9888% | 1,233 |
| Noninterest expense to average assets | 3.4784% | 1,517 |
| Loan and lease loss provision to assets | 0.1440% | 1,719 |
| Net operating income to assets | 0.7253% | 3,696 |
| Return on assets (ROA) | 0.7280% | 3,784 |
| Pretax return on assets | 0.8784% | 3,966 |
| Return on Equity (ROE) | 7.0029% | 3,622 |
| Retained earnings to average equity (ytd only) | 7.0029% | 1,774 |
| Net charge-offs to loans | 1.1630% | 273 |
| Credit loss provision to net charge-offs | 22.5564% | 3,164 |
| Earnings coverage of net charge-offs (x) | 1.5965% | 3,763 |
| Efficiency ratio | 77.3390% | 2,402 |
| Assets per employee ($millions) | 4.2644% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 1,775 |
| Loan loss allowance to noncurrent loans | 413.9073% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 5,274 |
| Noncurrent loans to loans | 0.4411% | 4,661 |
| Net loans and leases to total assets | 56.2989% | 4,245 |
| Net loans and leases to deposits | 66.0418% | 4,266 |
| Net loans and leases to core deposits | 80.0481% | 3,208 |
| Total domestic deposits to total assets | 85.2473% | 3,389 |
| Equity capital to assets | 11.3943% | 2,516 |
| Core capital (leverage) ratio | 11.0281% | 2,398 |
| Tier 1 risk-based capital ratio | 14.9076% | 3,685 |
| Total risk-based capital ratio | 16.1595% | 3,628 |
| Memoranda: | ||
| Average total assets | $124,999,670 | 4,132 |
| Average earning assets | $107,662,330 | 4,295 |
| Average equity | $12,994,670 | 4,224 |
| Average total loans | $68,615,330 | 4,279 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1970% | 2,886 |
| Cost of funding earning assets | 0.3513% | 4,528 |
| Net interest margin | 3.8458% | 2,288 |
| Noninterest income to average assets | 1.0141% | 1,100 |
| Noninterest expense to average assets | 3.3209% | 1,900 |
| Loan and lease loss provision to assets | 0.1408% | 1,726 |
| Net operating income to assets | 0.7552% | 3,388 |
| Return on assets (ROA) | 0.7606% | 3,438 |
| Pretax return on assets | 0.8826% | 3,764 |
| Return on Equity (ROE) | 7.6599% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.6599% | 1,744 |
| Net charge-offs to loans | 0.0582% | 2,579 |
| Credit loss provision to net charge-offs | 450.0000% | 595 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 998 |
| Efficiency ratio | 76.5512% | 2,720 |
| Assets per employee ($millions) | 4.6406% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6072% | 711 |
| Loan loss allowance to noncurrent loans | 137.4138% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 3,325 |
| Noncurrent loans to loans | 1.8973% | 2,006 |
| Net loans and leases to total assets | 45.8261% | 5,346 |
| Net loans and leases to deposits | 52.8500% | 5,393 |
| Net loans and leases to core deposits | 65.1698% | 4,584 |
| Total domestic deposits to total assets | 86.7097% | 2,990 |
| Equity capital to assets | 9.8886% | 3,971 |
| Core capital (leverage) ratio | 10.4341% | 3,013 |
| Tier 1 risk-based capital ratio | 15.2567% | 3,575 |
| Total risk-based capital ratio | 16.5132% | 3,524 |
| Memoranda: | ||
| Average total assets | $127,798,500 | 4,111 |
| Average earning assets | $110,459,500 | 4,263 |
| Average equity | $12,689,500 | 4,299 |
| Average total loans | $68,687,000 | 4,309 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6904% | 1,597 |
| Cost of funding earning assets | 0.3820% | 4,823 |
| Net interest margin | 4.3084% | 1,088 |
| Noninterest income to average assets | 0.7286% | 2,389 |
| Noninterest expense to average assets | 3.1684% | 2,522 |
| Loan and lease loss provision to assets | 0.3360% | 956 |
| Net operating income to assets | 0.7515% | 3,541 |
| Return on assets (ROA) | 0.7515% | 3,637 |
| Pretax return on assets | 0.9212% | 3,675 |
| Return on Equity (ROE) | 7.0431% | 3,540 |
| Retained earnings to average equity (ytd only) | 3.9709% | 3,372 |
| Net charge-offs to loans | 0.5844% | 1,129 |
| Credit loss provision to net charge-offs | 104.0609% | 2,333 |
| Earnings coverage of net charge-offs (x) | 3.8934% | 3,724 |
| Efficiency ratio | 71.5926% | 3,554 |
| Assets per employee ($millions) | 4.4879% | 2,925 |
| Cash dividends to net income (ytd only)* | 43.6205% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0450% | 1,451 |
| Loan loss allowance to noncurrent loans | 82.7934% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.4985% | 2,473 |
| Noncurrent loans to loans | 2.4700% | 1,542 |
| Net loans and leases to total assets | 59.4270% | 3,805 |
| Net loans and leases to deposits | 72.2729% | 3,489 |
| Net loans and leases to core deposits | 90.3007% | 1,983 |
| Total domestic deposits to total assets | 82.2258% | 4,801 |
| Equity capital to assets | 9.9714% | 3,814 |
| Core capital (leverage) ratio | 10.7089% | 2,668 |
| Tier 1 risk-based capital ratio | 13.2424% | 4,828 |
| Total risk-based capital ratio | 14.4966% | 4,766 |
| Memoranda: | ||
| Average total assets | $122,016,200 | 4,238 |
| Average earning assets | $104,702,400 | 4,394 |
| Average equity | $13,019,800 | 4,265 |
| Average total loans | $67,416,600 | 4,360 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 1,588 |
| Cost of funding earning assets | 0.3858% | 4,944 |
| Net interest margin | 4.3179% | 1,055 |
| Noninterest income to average assets | 0.7541% | 2,348 |
| Noninterest expense to average assets | 2.9935% | 3,018 |
| Loan and lease loss provision to assets | 0.1817% | 1,999 |
| Net operating income to assets | 1.0635% | 2,139 |
| Return on assets (ROA) | 1.0635% | 2,228 |
| Pretax return on assets | 1.2760% | 2,425 |
| Return on Equity (ROE) | 9.8002% | 2,260 |
| Retained earnings to average equity (ytd only) | 9.8002% | 830 |
| Net charge-offs to loans | 0.2270% | 2,450 |
| Credit loss provision to net charge-offs | 148.6486% | 1,585 |
| Earnings coverage of net charge-offs (x) | 11.9276% | 2,187 |
| Efficiency ratio | 67.2520% | 4,245 |
| Assets per employee ($millions) | 4.5465% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4230% | 1,023 |
| Loan loss allowance to noncurrent loans | 99.0081% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.3140% | 3,021 |
| Noncurrent loans to loans | 2.4473% | 1,782 |
| Net loans and leases to total assets | 52.3909% | 4,825 |
| Net loans and leases to deposits | 62.8757% | 4,644 |
| Net loans and leases to core deposits | 78.5944% | 3,284 |
| Total domestic deposits to total assets | 83.3246% | 4,450 |
| Equity capital to assets | 10.7864% | 2,967 |
| Core capital (leverage) ratio | 11.6921% | 1,894 |
| Tier 1 risk-based capital ratio | 15.3868% | 3,522 |
| Total risk-based capital ratio | 16.6435% | 3,476 |
| Memoranda: | ||
| Average total assets | $121,105,250 | 4,299 |
| Average earning assets | $103,689,250 | 4,452 |
| Average equity | $13,142,250 | 4,283 |
| Average total loans | $65,212,000 | 4,479 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5673% | 1,967 |
| Cost of funding earning assets | 0.3937% | 4,996 |
| Net interest margin | 4.1736% | 1,350 |
| Noninterest income to average assets | 0.7698% | 2,326 |
| Noninterest expense to average assets | 2.9464% | 3,182 |
| Loan and lease loss provision to assets | 0.1991% | 1,907 |
| Net operating income to assets | 1.0004% | 2,325 |
| Return on assets (ROA) | 1.0004% | 2,465 |
| Pretax return on assets | 1.1945% | 2,702 |
| Return on Equity (ROE) | 9.1996% | 2,538 |
| Retained earnings to average equity (ytd only) | 9.1996% | 1,058 |
| Net charge-offs to loans | 0.2739% | 2,109 |
| Credit loss provision to net charge-offs | 134.8315% | 1,679 |
| Earnings coverage of net charge-offs (x) | 9.4382% | 2,285 |
| Efficiency ratio | 67.8899% | 4,201 |
| Assets per employee ($millions) | 4.3602% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3764% | 1,124 |
| Loan loss allowance to noncurrent loans | 150.0477% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8911% | 4,005 |
| Noncurrent loans to loans | 1.5838% | 2,933 |
| Net loans and leases to total assets | 54.9250% | 4,461 |
| Net loans and leases to deposits | 64.3182% | 4,460 |
| Net loans and leases to core deposits | 77.5237% | 3,356 |
| Total domestic deposits to total assets | 85.3957% | 3,701 |
| Equity capital to assets | 11.0248% | 2,729 |
| Core capital (leverage) ratio | 11.2508% | 2,131 |
| Tier 1 risk-based capital ratio | 15.1193% | 3,698 |
| Total risk-based capital ratio | 16.3755% | 3,656 |
| Memoranda: | ||
| Average total assets | $120,555,000 | 4,334 |
| Average earning assets | $103,123,670 | 4,491 |
| Average equity | $13,109,330 | 4,323 |
| Average total loans | $64,979,330 | 4,502 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 2,489 |
| Cost of funding earning assets | 0.3888% | 5,212 |
| Net interest margin | 4.0212% | 1,705 |
| Noninterest income to average assets | 0.7149% | 2,512 |
| Noninterest expense to average assets | 3.2336% | 2,259 |
| Loan and lease loss provision to assets | 0.1476% | 2,404 |
| Net operating income to assets | 0.6953% | 3,709 |
| Return on assets (ROA) | 0.6953% | 3,853 |
| Pretax return on assets | 0.7936% | 4,193 |
| Return on Equity (ROE) | 6.4367% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.4367% | 2,439 |
| Net charge-offs to loans | 0.1927% | 2,259 |
| Credit loss provision to net charge-offs | 145.1613% | 1,397 |
| Earnings coverage of net charge-offs (x) | 9.2581% | 1,862 |
| Efficiency ratio | 77.4548% | 2,699 |
| Assets per employee ($millions) | 4.7517% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6203% | 991 |
| Loan loss allowance to noncurrent loans | 100.0643% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.2128% | 3,539 |
| Noncurrent loans to loans | 2.6186% | 1,965 |
| Net loans and leases to total assets | 45.1008% | 5,536 |
| Net loans and leases to deposits | 52.1434% | 5,600 |
| Net loans and leases to core deposits | 63.7174% | 4,775 |
| Total domestic deposits to total assets | 86.4938% | 3,235 |
| Equity capital to assets | 10.3681% | 3,709 |
| Core capital (leverage) ratio | 10.3897% | 2,915 |
| Tier 1 risk-based capital ratio | 15.3248% | 3,639 |
| Total risk-based capital ratio | 16.5822% | 3,590 |
| Memoranda: | ||
| Average total assets | $121,969,500 | 4,345 |
| Average earning assets | $104,942,500 | 4,492 |
| Average equity | $13,174,500 | 4,352 |
| Average total loans | $64,351,500 | 4,550 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8832% | 1,895 |
| Cost of funding earning assets | 0.5240% | 5,034 |
| Net interest margin | 4.3592% | 1,255 |
| Noninterest income to average assets | 0.9097% | 1,833 |
| Noninterest expense to average assets | 3.3420% | 2,213 |
| Loan and lease loss provision to assets | 0.2572% | 2,591 |
| Net operating income to assets | 0.8445% | 3,071 |
| Return on assets (ROA) | 0.8445% | 3,329 |
| Pretax return on assets | 1.0048% | 3,534 |
| Return on Equity (ROE) | 7.4403% | 3,377 |
| Retained earnings to average equity (ytd only) | 4.4188% | 3,119 |
| Net charge-offs to loans | 0.5875% | 1,970 |
| Credit loss provision to net charge-offs | 76.1421% | 3,962 |
| Earnings coverage of net charge-offs (x) | 3.7360% | 3,623 |
| Efficiency ratio | 72.5885% | 3,309 |
| Assets per employee ($millions) | 4.2830% | 3,391 |
| Cash dividends to net income (ytd only)* | 40.6091% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2271% | 1,509 |
| Loan loss allowance to noncurrent loans | 70.9099% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.8817% | 2,596 |
| Noncurrent loans to loans | 3.1407% | 1,642 |
| Net loans and leases to total assets | 58.5773% | 3,865 |
| Net loans and leases to deposits | 71.1226% | 3,546 |
| Net loans and leases to core deposits | 86.9677% | 2,196 |
| Total domestic deposits to total assets | 82.3611% | 4,977 |
| Equity capital to assets | 11.2822% | 2,645 |
| Core capital (leverage) ratio | 11.0168% | 2,239 |
| Tier 1 risk-based capital ratio | 13.9198% | 4,431 |
| Total risk-based capital ratio | 15.1748% | 4,400 |
| Memoranda: | ||
| Average total assets | $116,637,400 | 4,425 |
| Average earning assets | $98,849,400 | 4,619 |
| Average equity | $13,238,800 | 4,308 |
| Average total loans | $67,068,800 | 4,458 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8974% | 2,013 |
| Cost of funding earning assets | 0.5361% | 5,201 |
| Net interest margin | 4.3614% | 1,319 |
| Noninterest income to average assets | 1.0095% | 1,479 |
| Noninterest expense to average assets | 3.1973% | 2,578 |
| Loan and lease loss provision to assets | 0.2567% | 2,521 |
| Net operating income to assets | 1.0414% | 2,315 |
| Return on assets (ROA) | 1.0414% | 2,530 |
| Pretax return on assets | 1.2399% | 2,824 |
| Return on Equity (ROE) | 9.1618% | 2,727 |
| Retained earnings to average equity (ytd only) | 9.1618% | 1,167 |
| Net charge-offs to loans | 0.0040% | 5,705 |
| Credit loss provision to net charge-offs | 11,250.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 655.1648% | 61 |
| Efficiency ratio | 68.1166% | 4,036 |
| Assets per employee ($millions) | 4.3548% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8633% | 835 |
| Loan loss allowance to noncurrent loans | 209.6956% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.7544% | 4,813 |
| Noncurrent loans to loans | 1.3654% | 3,742 |
| Net loans and leases to total assets | 53.6664% | 4,799 |
| Net loans and leases to deposits | 66.2589% | 4,436 |
| Net loans and leases to core deposits | 81.1755% | 3,066 |
| Total domestic deposits to total assets | 80.9951% | 5,360 |
| Equity capital to assets | 11.4322% | 2,819 |
| Core capital (leverage) ratio | 11.3349% | 2,106 |
| Tier 1 risk-based capital ratio | 14.9448% | 3,884 |
| Total risk-based capital ratio | 16.2058% | 3,832 |
| Memoranda: | ||
| Average total assets | $116,886,250 | 4,461 |
| Average earning assets | $98,743,250 | 4,670 |
| Average equity | $13,286,750 | 4,343 |
| Average total loans | $66,515,250 | 4,528 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 2,438 |
| Cost of funding earning assets | 0.5556% | 5,261 |
| Net interest margin | 4.2627% | 1,571 |
| Noninterest income to average assets | 1.1881% | 1,006 |
| Noninterest expense to average assets | 3.3329% | 2,209 |
| Loan and lease loss provision to assets | 0.2572% | 2,518 |
| Net operating income to assets | 1.0167% | 2,391 |
| Return on assets (ROA) | 1.0167% | 2,618 |
| Pretax return on assets | 1.2018% | 2,918 |
| Return on Equity (ROE) | 8.9611% | 2,833 |
| Retained earnings to average equity (ytd only) | 8.9611% | 1,292 |
| Net charge-offs to loans | 0.0239% | 5,056 |
| Credit loss provision to net charge-offs | 1,875.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 106.3750% | 404 |
| Efficiency ratio | 69.5528% | 3,839 |
| Assets per employee ($millions) | 4.2093% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6271% | 1,123 |
| Loan loss allowance to noncurrent loans | 189.6588% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 4,742 |
| Noncurrent loans to loans | 1.3852% | 3,847 |
| Net loans and leases to total assets | 58.0183% | 4,156 |
| Net loans and leases to deposits | 74.5621% | 3,196 |
| Net loans and leases to core deposits | 86.3709% | 2,380 |
| Total domestic deposits to total assets | 77.8121% | 6,190 |
| Equity capital to assets | 11.9769% | 2,167 |
| Core capital (leverage) ratio | 11.4660% | 1,925 |
| Tier 1 risk-based capital ratio | 14.3733% | 4,196 |
| Total risk-based capital ratio | 15.6321% | 4,149 |
| Memoranda: | ||
| Average total assets | $116,655,000 | 4,490 |
| Average earning assets | $98,623,330 | 4,704 |
| Average equity | $13,235,000 | 4,350 |
| Average total loans | $67,033,330 | 4,525 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 3,083 |
| Cost of funding earning assets | 0.5565% | 5,454 |
| Net interest margin | 4.1355% | 1,978 |
| Noninterest income to average assets | 1.5166% | 626 |
| Noninterest expense to average assets | 3.3041% | 2,271 |
| Loan and lease loss provision to assets | 0.2539% | 2,421 |
| Net operating income to assets | 1.2221% | 1,678 |
| Return on assets (ROA) | 1.2221% | 1,862 |
| Pretax return on assets | 1.4557% | 2,005 |
| Return on Equity (ROE) | 11.0681% | 1,996 |
| Retained earnings to average equity (ytd only) | 11.0681% | 1,010 |
| Net charge-offs to loans | -0.1799% | 6,969 |
| Credit loss provision to net charge-offs | -250.0000% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9014% | 4,571 |
| Assets per employee ($millions) | 4.3333% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8696% | 938 |
| Loan loss allowance to noncurrent loans | 172.1344% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 4,793 |
| Noncurrent loans to loans | 1.6671% | 3,600 |
| Net loans and leases to total assets | 50.3966% | 5,255 |
| Net loans and leases to deposits | 62.2620% | 4,877 |
| Net loans and leases to core deposits | 78.7478% | 3,223 |
| Total domestic deposits to total assets | 80.9427% | 5,622 |
| Equity capital to assets | 11.2726% | 2,653 |
| Core capital (leverage) ratio | 10.8554% | 2,380 |
| Tier 1 risk-based capital ratio | 15.2531% | 3,585 |
| Total risk-based capital ratio | 16.5130% | 3,541 |
| Memoranda: | ||
| Average total assets | $118,156,500 | 4,493 |
| Average earning assets | $99,914,500 | 4,697 |
| Average equity | $13,046,500 | 4,400 |
| Average total loans | $66,691,000 | 4,558 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2363% | 1,925 |
| Cost of funding earning assets | 0.6221% | 5,980 |
| Net interest margin | 4.6142% | 893 |
| Noninterest income to average assets | 0.8637% | 1,788 |
| Noninterest expense to average assets | 3.3463% | 2,366 |
| Loan and lease loss provision to assets | 0.2487% | 3,721 |
| Net operating income to assets | 1.0005% | 2,194 |
| Return on assets (ROA) | 1.0005% | 2,341 |
| Pretax return on assets | 1.1787% | 2,535 |
| Return on Equity (ROE) | 9.6809% | 2,175 |
| Retained earnings to average equity (ytd only) | 6.4727% | 1,754 |
| Net charge-offs to loans | 0.1286% | 5,112 |
| Credit loss provision to net charge-offs | 326.0870% | 716 |
| Earnings coverage of net charge-offs (x) | 18.7174% | 1,201 |
| Efficiency ratio | 70.0990% | 3,935 |
| Assets per employee ($millions) | 4.4190% | 3,039 |
| Cash dividends to net income (ytd only)* | 33.1400% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2525% | 1,705 |
| Loan loss allowance to noncurrent loans | 211.4987% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 1.5497% | 3,625 |
| Noncurrent loans to loans | 1.0650% | 4,579 |
| Net loans and leases to total assets | 59.5400% | 4,073 |
| Net loans and leases to deposits | 75.4250% | 3,272 |
| Net loans and leases to core deposits | 93.7932% | 1,717 |
| Total domestic deposits to total assets | 78.9394% | 6,008 |
| Equity capital to assets | 10.8153% | 3,178 |
| Core capital (leverage) ratio | 9.6710% | 3,777 |
| Tier 1 risk-based capital ratio | 12.2780% | 5,625 |
| Total risk-based capital ratio | 13.5338% | 5,592 |
| Memoranda: | ||
| Average total assets | $120,642,200 | 4,384 |
| Average earning assets | $102,228,400 | 4,580 |
| Average equity | $12,467,800 | 4,450 |
| Average total loans | $71,536,800 | 4,428 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2533% | 2,016 |
| Cost of funding earning assets | 0.6296% | 6,134 |
| Net interest margin | 4.6238% | 904 |
| Noninterest income to average assets | 0.7230% | 2,465 |
| Noninterest expense to average assets | 3.0683% | 3,289 |
| Loan and lease loss provision to assets | 0.2480% | 3,523 |
| Net operating income to assets | 1.1506% | 1,813 |
| Return on assets (ROA) | 1.1506% | 1,929 |
| Pretax return on assets | 1.3325% | 2,177 |
| Return on Equity (ROE) | 11.2630% | 1,775 |
| Retained earnings to average equity (ytd only) | 11.2630% | 590 |
| Net charge-offs to loans | 0.0449% | 5,540 |
| Credit loss provision to net charge-offs | 937.5000% | 285 |
| Earnings coverage of net charge-offs (x) | 59.7484% | 554 |
| Efficiency ratio | 66.0028% | 4,717 |
| Assets per employee ($millions) | 4.6721% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4246% | 1,496 |
| Loan loss allowance to noncurrent loans | 123.4848% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 2.1506% | 2,974 |
| Noncurrent loans to loans | 1.9635% | 3,412 |
| Net loans and leases to total assets | 52.0008% | 5,445 |
| Net loans and leases to deposits | 69.3308% | 4,413 |
| Net loans and leases to core deposits | 101.5984% | 1,113 |
| Total domestic deposits to total assets | 75.0040% | 6,638 |
| Equity capital to assets | 10.4671% | 3,750 |
| Core capital (leverage) ratio | 10.2614% | 3,121 |
| Tier 1 risk-based capital ratio | 13.9904% | 4,360 |
| Total risk-based capital ratio | 15.2475% | 4,327 |
| Memoranda: | ||
| Average total assets | $120,974,500 | 4,393 |
| Average earning assets | $102,713,250 | 4,600 |
| Average equity | $12,358,750 | 4,479 |
| Average total loans | $71,252,000 | 4,482 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2178% | 2,195 |
| Cost of funding earning assets | 0.6362% | 6,293 |
| Net interest margin | 4.5817% | 945 |
| Noninterest income to average assets | 0.7732% | 2,144 |
| Noninterest expense to average assets | 3.0843% | 3,313 |
| Loan and lease loss provision to assets | 0.2516% | 3,389 |
| Net operating income to assets | 1.1589% | 1,694 |
| Return on assets (ROA) | 1.1589% | 1,771 |
| Pretax return on assets | 1.3266% | 2,052 |
| Return on Equity (ROE) | 11.4432% | 1,658 |
| Retained earnings to average equity (ytd only) | 11.4432% | 599 |
| Net charge-offs to loans | 0.0468% | 5,198 |
| Credit loss provision to net charge-offs | 882.3529% | 364 |
| Earnings coverage of net charge-offs (x) | 55.3529% | 572 |
| Efficiency ratio | 66.1511% | 4,846 |
| Assets per employee ($millions) | 4.6884% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0709% | 2,178 |
| Loan loss allowance to noncurrent loans | 311.1554% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 1.4970% | 3,958 |
| Noncurrent loans to loans | 0.6656% | 5,579 |
| Net loans and leases to total assets | 58.3499% | 4,565 |
| Net loans and leases to deposits | 77.1966% | 3,266 |
| Net loans and leases to core deposits | 99.2422% | 1,410 |
| Total domestic deposits to total assets | 75.5862% | 6,658 |
| Equity capital to assets | 10.0223% | 4,117 |
| Core capital (leverage) ratio | 10.7195% | 2,500 |
| Tier 1 risk-based capital ratio | 13.0811% | 4,851 |
| Total risk-based capital ratio | 14.3353% | 4,832 |
| Memoranda: | ||
| Average total assets | $119,250,000 | 4,480 |
| Average earning assets | $101,229,670 | 4,673 |
| Average equity | $12,077,000 | 4,541 |
| Average total loans | $72,593,330 | 4,488 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1206% | 2,552 |
| Cost of funding earning assets | 0.6847% | 6,226 |
| Net interest margin | 4.4359% | 1,199 |
| Noninterest income to average assets | 0.7891% | 2,075 |
| Noninterest expense to average assets | 3.2774% | 2,632 |
| Loan and lease loss provision to assets | 0.2596% | 3,063 |
| Net operating income to assets | 0.8894% | 2,618 |
| Return on assets (ROA) | 0.8894% | 2,679 |
| Pretax return on assets | 0.9967% | 3,140 |
| Return on Equity (ROE) | 8.7326% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.7326% | 1,481 |
| Net charge-offs to loans | 0.0562% | 4,373 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 36.3000% | 728 |
| Efficiency ratio | 72.2901% | 3,806 |
| Assets per employee ($millions) | 4.3970% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1639% | 2,045 |
| Loan loss allowance to noncurrent loans | 188.8748% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 1.8211% | 3,540 |
| Noncurrent loans to loans | 1.1457% | 4,783 |
| Net loans and leases to total assets | 56.8974% | 4,826 |
| Net loans and leases to deposits | 73.5969% | 3,825 |
| Net loans and leases to core deposits | 102.8645% | 1,140 |
| Total domestic deposits to total assets | 77.3094% | 6,481 |
| Equity capital to assets | 10.1500% | 3,593 |
| Core capital (leverage) ratio | 10.7382% | 2,409 |
| Tier 1 risk-based capital ratio | 13.0993% | 4,749 |
| Total risk-based capital ratio | 14.3543% | 4,719 |
| Memoranda: | ||
| Average total assets | $115,581,000 | 4,603 |
| Average earning assets | $97,566,500 | 4,802 |
| Average equity | $11,772,000 | 4,606 |
| Average total loans | $71,177,000 | 4,577 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4014% | 2,665 |
| Cost of funding earning assets | 0.8682% | 6,308 |
| Net interest margin | 4.5333% | 1,165 |
| Noninterest income to average assets | 0.7277% | 2,663 |
| Noninterest expense to average assets | 3.2769% | 2,807 |
| Loan and lease loss provision to assets | 0.2659% | 4,670 |
| Net operating income to assets | 0.8422% | 2,625 |
| Return on assets (ROA) | 0.8429% | 2,758 |
| Pretax return on assets | 1.0087% | 2,909 |
| Return on Equity (ROE) | 8.5076% | 2,495 |
| Retained earnings to average equity (ytd only) | 5.3765% | 2,195 |
| Net charge-offs to loans | 0.2008% | 5,085 |
| Credit loss provision to net charge-offs | 215.8273% | 1,402 |
| Earnings coverage of net charge-offs (x) | 10.3381% | 1,725 |
| Efficiency ratio | 72.0101% | 3,793 |
| Assets per employee ($millions) | 4.1646% | 3,447 |
| Cash dividends to net income (ytd only)* | 36.8034% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9492% | 2,423 |
| Loan loss allowance to noncurrent loans | 441.0494% | 713 |
| Noncurrent assets plus other real estate owned to assets | 2.0553% | 3,280 |
| Noncurrent loans to loans | 0.4419% | 6,157 |
| Net loans and leases to total assets | 63.9284% | 3,888 |
| Net loans and leases to deposits | 90.0225% | 1,516 |
| Net loans and leases to core deposits | 113.8903% | 733 |
| Total domestic deposits to total assets | 71.0138% | 7,168 |
| Equity capital to assets | 10.2221% | 3,470 |
| Core capital (leverage) ratio | 10.8756% | 2,250 |
| Tier 1 risk-based capital ratio | 12.9581% | 4,627 |
| Total risk-based capital ratio | 14.2116% | 4,600 |
| Memoranda: | ||
| Average total assets | $112,820,400 | 4,641 |
| Average earning assets | $95,141,200 | 4,861 |
| Average equity | $11,178,200 | 4,821 |
| Average total loans | $69,213,800 | 4,707 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4682% | 2,567 |
| Cost of funding earning assets | 0.9305% | 6,273 |
| Net interest margin | 4.5376% | 1,178 |
| Noninterest income to average assets | 0.7522% | 2,493 |
| Noninterest expense to average assets | 3.1362% | 3,162 |
| Loan and lease loss provision to assets | 0.2657% | 4,454 |
| Net operating income to assets | 1.0121% | 2,190 |
| Return on assets (ROA) | 1.0131% | 2,307 |
| Pretax return on assets | 1.1749% | 2,586 |
| Return on Equity (ROE) | 10.3067% | 2,005 |
| Retained earnings to average equity (ytd only) | 10.3067% | 727 |
| Net charge-offs to loans | 0.1623% | 5,022 |
| Credit loss provision to net charge-offs | 271.0843% | 1,209 |
| Earnings coverage of net charge-offs (x) | 14.6872% | 1,492 |
| Efficiency ratio | 68.5419% | 4,367 |
| Assets per employee ($millions) | 4.4550% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1978% | 1,812 |
| Loan loss allowance to noncurrent loans | 375.0000% | 796 |
| Noncurrent assets plus other real estate owned to assets | 1.9587% | 3,526 |
| Noncurrent loans to loans | 0.5861% | 6,044 |
| Net loans and leases to total assets | 52.1623% | 6,080 |
| Net loans and leases to deposits | 71.9847% | 4,845 |
| Net loans and leases to core deposits | 97.4392% | 2,102 |
| Total domestic deposits to total assets | 72.4631% | 7,089 |
| Equity capital to assets | 10.1217% | 3,990 |
| Core capital (leverage) ratio | 10.7794% | 2,437 |
| Tier 1 risk-based capital ratio | 14.1836% | 3,701 |
| Total risk-based capital ratio | 15.4381% | 3,668 |
| Memoranda: | ||
| Average total assets | $112,914,750 | 4,697 |
| Average earning assets | $95,142,500 | 4,924 |
| Average equity | $11,099,250 | 4,899 |
| Average total loans | $68,189,250 | 4,824 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4481% | 2,764 |
| Cost of funding earning assets | 0.9857% | 6,216 |
| Net interest margin | 4.4624% | 1,282 |
| Noninterest income to average assets | 0.9180% | 1,630 |
| Noninterest expense to average assets | 3.2574% | 2,701 |
| Loan and lease loss provision to assets | 0.2716% | 4,218 |
| Net operating income to assets | 1.0106% | 2,154 |
| Return on assets (ROA) | 1.0122% | 2,221 |
| Pretax return on assets | 1.1697% | 2,518 |
| Return on Equity (ROE) | 10.4090% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.4090% | 764 |
| Net charge-offs to loans | 0.1179% | 5,002 |
| Credit loss provision to net charge-offs | 365.8537% | 995 |
| Earnings coverage of net charge-offs (x) | 19.3902% | 1,253 |
| Efficiency ratio | 69.3524% | 4,304 |
| Assets per employee ($millions) | 4.2099% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8699% | 2,507 |
| Loan loss allowance to noncurrent loans | 28.7174% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 6.4821% | 864 |
| Noncurrent loans to loans | 6.5113% | 917 |
| Net loans and leases to total assets | 63.5752% | 4,335 |
| Net loans and leases to deposits | 94.1612% | 1,253 |
| Net loans and leases to core deposits | 112.1259% | 1,027 |
| Total domestic deposits to total assets | 67.5174% | 7,445 |
| Equity capital to assets | 9.8489% | 4,205 |
| Core capital (leverage) ratio | 10.6719% | 2,480 |
| Tier 1 risk-based capital ratio | 12.5017% | 4,860 |
| Total risk-based capital ratio | 13.7545% | 4,833 |
| Memoranda: | ||
| Average total assets | $110,457,670 | 4,790 |
| Average earning assets | $93,537,000 | 5,000 |
| Average equity | $10,740,670 | 4,991 |
| Average total loans | $69,534,330 | 4,803 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2885% | 3,599 |
| Cost of funding earning assets | 0.9843% | 6,443 |
| Net interest margin | 4.3042% | 1,681 |
| Noninterest income to average assets | 0.9628% | 1,411 |
| Noninterest expense to average assets | 3.3476% | 2,382 |
| Loan and lease loss provision to assets | 0.2756% | 3,817 |
| Net operating income to assets | 0.8824% | 2,624 |
| Return on assets (ROA) | 0.8856% | 2,675 |
| Pretax return on assets | 1.0069% | 3,067 |
| Return on Equity (ROE) | 9.1692% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.1692% | 1,352 |
| Net charge-offs to loans | 0.2134% | 3,640 |
| Credit loss provision to net charge-offs | 208.3333% | 1,786 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 1,823 |
| Efficiency ratio | 72.3590% | 3,864 |
| Assets per employee ($millions) | 3.9614% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9755% | 2,253 |
| Loan loss allowance to noncurrent loans | 65.3173% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 3.3387% | 2,132 |
| Noncurrent loans to loans | 3.0244% | 2,651 |
| Net loans and leases to total assets | 60.6354% | 5,011 |
| Net loans and leases to deposits | 79.8992% | 3,672 |
| Net loans and leases to core deposits | 99.7232% | 2,160 |
| Total domestic deposits to total assets | 75.8898% | 6,778 |
| Equity capital to assets | 9.9590% | 3,920 |
| Core capital (leverage) ratio | 10.8919% | 2,296 |
| Tier 1 risk-based capital ratio | 13.5612% | 3,951 |
| Total risk-based capital ratio | 14.8140% | 3,911 |
| Memoranda: | ||
| Average total assets | $108,853,000 | 4,903 |
| Average earning assets | $92,654,500 | 5,089 |
| Average equity | $10,513,500 | 5,096 |
| Average total loans | $67,481,000 | 4,949 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5602% | 3,816 |
| Cost of funding earning assets | 1.3339% | 6,196 |
| Net interest margin | 4.2262% | 1,986 |
| Noninterest income to average assets | 0.8988% | 1,945 |
| Noninterest expense to average assets | 3.2188% | 3,317 |
| Loan and lease loss provision to assets | 1.2108% | 1,899 |
| Net operating income to assets | 0.0773% | 5,273 |
| Return on assets (ROA) | 0.4424% | 4,080 |
| Pretax return on assets | 0.4536% | 4,339 |
| Return on Equity (ROE) | 4.2909% | 3,968 |
| Retained earnings to average equity (ytd only) | 1.7977% | 3,833 |
| Net charge-offs to loans | 2.7930% | 795 |
| Credit loss provision to net charge-offs | 68.6741% | 6,518 |
| Earnings coverage of net charge-offs (x) | 0.7327% | 5,365 |
| Efficiency ratio | 71.3607% | 4,377 |
| Assets per employee ($millions) | 4.1017% | 3,608 |
| Cash dividends to net income (ytd only)* | 58.1053% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8430% | 2,422 |
| Loan loss allowance to noncurrent loans | 62.6792% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 3.2452% | 2,115 |
| Noncurrent loans to loans | 2.9404% | 2,618 |
| Net loans and leases to total assets | 60.9786% | 5,196 |
| Net loans and leases to deposits | 80.1805% | 3,957 |
| Net loans and leases to core deposits | 121.4102% | 1,843 |
| Total domestic deposits to total assets | 76.0517% | 6,670 |
| Equity capital to assets | 9.3682% | 4,609 |
| Core capital (leverage) ratio | 10.6411% | 2,481 |
| Tier 1 risk-based capital ratio | 12.9998% | 4,142 |
| Total risk-based capital ratio | 14.2520% | 4,088 |
| Memoranda: | ||
| Average total assets | $107,370,000 | 4,895 |
| Average earning assets | $91,760,000 | 5,066 |
| Average equity | $11,070,000 | 5,004 |
| Average total loans | $67,777,200 | 4,948 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6478% | 3,587 |
| Cost of funding earning assets | 1.3962% | 6,245 |
| Net interest margin | 4.2515% | 1,868 |
| Noninterest income to average assets | 0.8937% | 2,007 |
| Noninterest expense to average assets | 3.1729% | 3,391 |
| Loan and lease loss provision to assets | 0.2816% | 4,725 |
| Net operating income to assets | 0.9521% | 2,227 |
| Return on assets (ROA) | 0.9675% | 2,227 |
| Pretax return on assets | 1.0964% | 2,587 |
| Return on Equity (ROE) | 9.1663% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.1663% | 799 |
| Net charge-offs to loans | 0.9814% | 2,007 |
| Credit loss provision to net charge-offs | 45.2716% | 6,372 |
| Earnings coverage of net charge-offs (x) | 2.1871% | 4,183 |
| Efficiency ratio | 69.9890% | 4,593 |
| Assets per employee ($millions) | 3.9889% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3095% | 1,284 |
| Loan loss allowance to noncurrent loans | 42.6005% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 4.9387% | 1,191 |
| Noncurrent loans to loans | 5.4212% | 1,156 |
| Net loans and leases to total assets | 62.4095% | 5,175 |
| Net loans and leases to deposits | 81.2030% | 4,165 |
| Net loans and leases to core deposits | 135.9307% | 1,104 |
| Total domestic deposits to total assets | 76.8561% | 6,376 |
| Equity capital to assets | 10.5209% | 3,485 |
| Core capital (leverage) ratio | 11.0323% | 2,384 |
| Tier 1 risk-based capital ratio | 13.7675% | 3,678 |
| Total risk-based capital ratio | 15.0240% | 3,622 |
| Memoranda: | ||
| Average total assets | $106,525,750 | 4,945 |
| Average earning assets | $91,196,250 | 5,120 |
| Average equity | $11,243,750 | 5,006 |
| Average total loans | $67,521,500 | 5,003 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5677% | 4,228 |
| Cost of funding earning assets | 1.4063% | 6,455 |
| Net interest margin | 4.1614% | 2,119 |
| Noninterest income to average assets | 0.9441% | 1,781 |
| Noninterest expense to average assets | 3.2223% | 3,261 |
| Loan and lease loss provision to assets | 0.2827% | 4,316 |
| Net operating income to assets | 0.8848% | 2,513 |
| Return on assets (ROA) | 0.9083% | 2,528 |
| Pretax return on assets | 1.0176% | 2,940 |
| Return on Equity (ROE) | 8.5959% | 2,517 |
| Retained earnings to average equity (ytd only) | 8.5959% | 1,040 |
| Net charge-offs to loans | -0.0596% | 7,875 |
| Credit loss provision to net charge-offs | -750.0000% | 7,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6681% | 4,477 |
| Assets per employee ($millions) | 3.9985% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9281% | 600 |
| Loan loss allowance to noncurrent loans | 52.7122% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 5.0408% | 1,046 |
| Noncurrent loans to loans | 5.5548% | 1,040 |
| Net loans and leases to total assets | 62.3681% | 5,292 |
| Net loans and leases to deposits | 90.7146% | 2,713 |
| Net loans and leases to core deposits | 116.7337% | 2,646 |
| Total domestic deposits to total assets | 68.7520% | 7,571 |
| Equity capital to assets | 10.6244% | 3,274 |
| Core capital (leverage) ratio | 11.2501% | 2,225 |
| Tier 1 risk-based capital ratio | 13.3356% | 3,907 |
| Total risk-based capital ratio | 14.5862% | 3,845 |
| Memoranda: | ||
| Average total assets | $106,134,330 | 4,988 |
| Average earning assets | $90,594,670 | 5,177 |
| Average equity | $11,214,670 | 5,027 |
| Average total loans | $67,094,000 | 5,070 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5538% | 4,616 |
| Cost of funding earning assets | 1.4670% | 6,516 |
| Net interest margin | 4.0869% | 2,327 |
| Noninterest income to average assets | 1.0112% | 1,453 |
| Noninterest expense to average assets | 3.1248% | 3,283 |
| Loan and lease loss provision to assets | 0.2851% | 3,679 |
| Net operating income to assets | 0.9448% | 2,529 |
| Return on assets (ROA) | 0.9922% | 2,481 |
| Pretax return on assets | 1.1176% | 2,920 |
| Return on Equity (ROE) | 9.4164% | 2,568 |
| Retained earnings to average equity (ytd only) | 9.4164% | 1,365 |
| Net charge-offs to loans | 0.0910% | 4,264 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,270 |
| Efficiency ratio | 69.8386% | 4,617 |
| Assets per employee ($millions) | 3.8460% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9756% | 491 |
| Loan loss allowance to noncurrent loans | 51.1721% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 5.1463% | 865 |
| Noncurrent loans to loans | 5.8149% | 842 |
| Net loans and leases to total assets | 60.3195% | 5,602 |
| Net loans and leases to deposits | 80.0227% | 4,608 |
| Net loans and leases to core deposits | 110.0188% | 3,434 |
| Total domestic deposits to total assets | 75.3780% | 6,631 |
| Equity capital to assets | 10.9474% | 3,012 |
| Core capital (leverage) ratio | 11.6250% | 2,082 |
| Tier 1 risk-based capital ratio | 13.9953% | 3,590 |
| Total risk-based capital ratio | 15.2584% | 3,503 |
| Memoranda: | ||
| Average total assets | $105,222,000 | 5,036 |
| Average earning assets | $89,164,000 | 5,252 |
| Average equity | $11,087,000 | 5,082 |
| Average total loans | $65,959,500 | 5,134 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2105% | 4,463 |
| Cost of funding earning assets | 2.1680% | 5,741 |
| Net interest margin | 4.0425% | 2,936 |
| Noninterest income to average assets | 0.5890% | 3,928 |
| Noninterest expense to average assets | 3.0454% | 3,919 |
| Loan and lease loss provision to assets | 0.3010% | 3,966 |
| Net operating income to assets | 0.5980% | 4,310 |
| Return on assets (ROA) | 0.5980% | 4,175 |
| Pretax return on assets | 0.6703% | 4,486 |
| Return on Equity (ROE) | 5.0892% | 4,339 |
| Retained earnings to average equity (ytd only) | -0.6831% | 5,505 |
| Net charge-offs to loans | -0.4276% | 8,208 |
| Credit loss provision to net charge-offs | -115.8301% | 7,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8181% | 3,265 |
| Assets per employee ($millions) | 3.8072% | 3,939 |
| Cash dividends to net income (ytd only)* | 113.4228% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7627% | 534 |
| Loan loss allowance to noncurrent loans | 493.6340% | 870 |
| Noncurrent assets plus other real estate owned to assets | 1.8349% | 2,690 |
| Noncurrent loans to loans | 0.5597% | 5,686 |
| Net loans and leases to total assets | 61.4435% | 5,705 |
| Net loans and leases to deposits | 83.7660% | 4,457 |
| Net loans and leases to core deposits | 114.4925% | 3,278 |
| Total domestic deposits to total assets | 73.3513% | 6,763 |
| Equity capital to assets | 10.1368% | 3,877 |
| Core capital (leverage) ratio | 11.9065% | 2,018 |
| Tier 1 risk-based capital ratio | 13.8345% | 3,629 |
| Total risk-based capital ratio | 15.0951% | 3,542 |
| Memoranda: | ||
| Average total assets | $99,658,000 | 5,057 |
| Average earning assets | $84,502,000 | 5,291 |
| Average equity | $11,711,000 | 4,912 |
| Average total loans | $60,568,000 | 5,240 |