Home > Bank of Halls > Performance and Condition Ratios
Bank of Halls, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 3,419 |
| Cost of funding earning assets | 1.1727% | 2,879 |
| Net interest margin | 3.1396% | 3,002 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.5634% | 4,278 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1650% | 1,740 |
| Return on assets (ROA) | 1.1437% | 1,770 |
| Pretax return on assets | 1.5013% | 1,415 |
| Return on Equity (ROE) | 18.8300% | 722 |
| Retained earnings to average equity (ytd only) | 6.5141% | 2,056 |
| Net charge-offs to loans | 0.0201% | 1,943 |
| Credit loss provision to net charge-offs | 888.8889% | 450 |
| Earnings coverage of net charge-offs (x) | 235.8889% | 522 |
| Efficiency ratio | 49.6084% | 4,009 |
| Assets per employee ($millions) | 9.1938% | 923 |
| Cash dividends to net income (ytd only)* | 65.4022% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0399% | 351 |
| Loan loss allowance to noncurrent loans | 172.4138% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 1,541 |
| Noncurrent loans to loans | 1.1832% | 602 |
| Net loans and leases to total assets | 29.3800% | 4,306 |
| Net loans and leases to deposits | 31.5177% | 4,340 |
| Net loans and leases to core deposits | 34.7719% | 4,353 |
| Total domestic deposits to total assets | 93.2200% | 155 |
| Equity capital to assets | 5.8341% | 4,263 |
| Core capital (leverage) ratio | 7.1572% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2350% | 1,785 |
| Memoranda: | ||
| Average total assets | $133,683,600 | 3,516 |
| Average earning assets | $123,646,600 | 3,510 |
| Average equity | $8,120,800 | 3,912 |
| Average total loans | $44,728,600 | 3,917 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 3,504 |
| Cost of funding earning assets | 1.0346% | 2,940 |
| Net interest margin | 3.1458% | 3,040 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.5233% | 4,298 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.2212% | 1,733 |
| Return on assets (ROA) | 1.2010% | 1,784 |
| Pretax return on assets | 1.5642% | 1,423 |
| Return on Equity (ROE) | 19.5500% | 769 |
| Retained earnings to average equity (ytd only) | 19.5527% | 275 |
| Net charge-offs to loans | 0.0238% | 1,606 |
| Credit loss provision to net charge-offs | 625.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 200.5000% | 600 |
| Efficiency ratio | 48.1410% | 4,035 |
| Assets per employee ($millions) | 8.0591% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8942% | 480 |
| Loan loss allowance to noncurrent loans | 179.7938% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 1,527 |
| Noncurrent loans to loans | 1.0535% | 761 |
| Net loans and leases to total assets | 35.0300% | 4,217 |
| Net loans and leases to deposits | 37.7578% | 4,261 |
| Net loans and leases to core deposits | 42.0099% | 4,213 |
| Total domestic deposits to total assets | 92.7600% | 339 |
| Equity capital to assets | 6.3934% | 3,863 |
| Core capital (leverage) ratio | 8.2034% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8690% | 1,356 |
| Memoranda: | ||
| Average total assets | $130,329,250 | 3,558 |
| Average earning assets | $120,368,250 | 3,547 |
| Average equity | $8,005,500 | 3,934 |
| Average total loans | $44,881,000 | 3,926 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 3,644 |
| Cost of funding earning assets | 0.8814% | 2,984 |
| Net interest margin | 3.1381% | 3,137 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.5108% | 4,323 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.2446% | 1,709 |
| Return on assets (ROA) | 1.2784% | 1,611 |
| Pretax return on assets | 1.6576% | 1,303 |
| Return on Equity (ROE) | 21.1000% | 613 |
| Retained earnings to average equity (ytd only) | 21.0951% | 216 |
| Net charge-offs to loans | 0.0135% | 1,683 |
| Credit loss provision to net charge-offs | 666.6667% | 538 |
| Earnings coverage of net charge-offs (x) | 358.6667% | 397 |
| Efficiency ratio | 47.8682% | 4,073 |
| Assets per employee ($millions) | 8.6337% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8191% | 582 |
| Loan loss allowance to noncurrent loans | 162.5720% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 1,324 |
| Noncurrent loans to loans | 1.1189% | 635 |
| Net loans and leases to total assets | 35.3000% | 4,202 |
| Net loans and leases to deposits | 38.1333% | 4,253 |
| Net loans and leases to core deposits | 42.3668% | 4,205 |
| Total domestic deposits to total assets | 92.5700% | 314 |
| Equity capital to assets | 6.4800% | 3,999 |
| Core capital (leverage) ratio | 7.7692% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7079% | 1,171 |
| Memoranda: | ||
| Average total assets | $130,790,667 | 3,561 |
| Average earning assets | $120,710,667 | 3,557 |
| Average equity | $7,926,000 | 3,963 |
| Average total loans | $44,496,000 | 3,944 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6006% | 4,152 |
| Cost of funding earning assets | 0.7049% | 3,039 |
| Net interest margin | 2.8957% | 3,800 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.6099% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1218% | 2,159 |
| Return on assets (ROA) | 1.1900% | 1,919 |
| Pretax return on assets | 1.4273% | 1,819 |
| Return on Equity (ROE) | 20.3300% | 721 |
| Retained earnings to average equity (ytd only) | 20.3302% | 356 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.4799% | 3,555 |
| Assets per employee ($millions) | 8.3484% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9137% | 515 |
| Loan loss allowance to noncurrent loans | 100.6068% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 821 |
| Noncurrent loans to loans | 1.9021% | 312 |
| Net loans and leases to total assets | 31.8100% | 4,325 |
| Net loans and leases to deposits | 34.1093% | 4,378 |
| Net loans and leases to core deposits | 37.7319% | 4,325 |
| Total domestic deposits to total assets | 93.2600% | 264 |
| Equity capital to assets | 6.0042% | 4,198 |
| Core capital (leverage) ratio | 7.7744% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7263% | 1,204 |
| Memoranda: | ||
| Average total assets | $131,433,000 | 3,600 |
| Average earning assets | $120,869,500 | 3,595 |
| Average equity | $7,693,000 | 4,032 |
| Average total loans | $43,463,000 | 4,006 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1438% | 3,914 |
| Cost of funding earning assets | 0.3703% | 2,326 |
| Net interest margin | 2.7735% | 3,936 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.7496% | 4,089 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.8005% | 3,328 |
| Return on assets (ROA) | 0.7744% | 3,351 |
| Pretax return on assets | 0.9025% | 3,344 |
| Return on Equity (ROE) | 11.1400% | 2,428 |
| Retained earnings to average equity (ytd only) | 6.1609% | 2,582 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.1875% | 2,607 |
| Assets per employee ($millions) | 7.6054% | 1,541 |
| Cash dividends to net income (ytd only)* | 44.6927% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9011% | 538 |
| Loan loss allowance to noncurrent loans | 176.0085% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 1,407 |
| Noncurrent loans to loans | 1.0801% | 666 |
| Net loans and leases to total assets | 33.0900% | 4,310 |
| Net loans and leases to deposits | 35.4026% | 4,358 |
| Net loans and leases to core deposits | 38.5552% | 4,319 |
| Total domestic deposits to total assets | 93.4600% | 314 |
| Equity capital to assets | 5.6972% | 4,182 |
| Core capital (leverage) ratio | 7.7875% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4643% | 1,794 |
| Memoranda: | ||
| Average total assets | $115,566,400 | 3,768 |
| Average earning assets | $104,776,000 | 3,791 |
| Average equity | $8,034,600 | 4,092 |
| Average total loans | $45,534,000 | 3,966 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0570% | 3,778 |
| Cost of funding earning assets | 0.2881% | 2,301 |
| Net interest margin | 2.7689% | 3,804 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.7407% | 4,091 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.8299% | 3,131 |
| Return on assets (ROA) | 0.8299% | 3,100 |
| Pretax return on assets | 0.9512% | 3,178 |
| Return on Equity (ROE) | 11.3500% | 2,251 |
| Retained earnings to average equity (ytd only) | 11.3469% | 955 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.7249% | 2,729 |
| Assets per employee ($millions) | 6.6791% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6766% | 911 |
| Loan loss allowance to noncurrent loans | 185.8140% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 1,346 |
| Noncurrent loans to loans | 0.9023% | 865 |
| Net loans and leases to total assets | 43.8500% | 3,883 |
| Net loans and leases to deposits | 47.3308% | 3,976 |
| Net loans and leases to core deposits | 52.5992% | 3,825 |
| Total domestic deposits to total assets | 92.6400% | 674 |
| Equity capital to assets | 6.5400% | 3,721 |
| Core capital (leverage) ratio | 8.8755% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7145% | 1,805 |
| Memoranda: | ||
| Average total assets | $112,135,000 | 3,833 |
| Average earning assets | $101,362,000 | 3,847 |
| Average equity | $8,201,750 | 4,119 |
| Average total loans | $46,016,000 | 3,987 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9129% | 3,750 |
| Cost of funding earning assets | 0.2620% | 2,119 |
| Net interest margin | 2.6510% | 3,814 |
| Noninterest income to average assets | 0.2687% | 3,561 |
| Noninterest expense to average assets | 1.7034% | 4,146 |
| Loan and lease loss provision to assets | 0.0702% | 1,359 |
| Net operating income to assets | 0.7832% | 3,018 |
| Return on assets (ROA) | 0.7832% | 2,986 |
| Pretax return on assets | 0.8938% | 3,087 |
| Return on Equity (ROE) | 10.3649% | 2,199 |
| Retained earnings to average equity (ytd only) | 10.3649% | 931 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8578% | 2,788 |
| Assets per employee ($millions) | 6.9036% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6851% | 982 |
| Loan loss allowance to noncurrent loans | 166.4502% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 1,353 |
| Noncurrent loans to loans | 1.0124% | 823 |
| Net loans and leases to total assets | 40.6176% | 4,047 |
| Net loans and leases to deposits | 43.8838% | 4,119 |
| Net loans and leases to core deposits | 47.1469% | 4,076 |
| Total domestic deposits to total assets | 92.5573% | 633 |
| Equity capital to assets | 6.6777% | 3,946 |
| Core capital (leverage) ratio | 8.3934% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7876% | 1,770 |
| Memoranda: | ||
| Average total assets | $113,891,667 | 3,852 |
| Average earning assets | $103,057,333 | 3,881 |
| Average equity | $8,606,000 | 4,139 |
| Average total loans | $45,469,000 | 4,039 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8095% | 3,727 |
| Cost of funding earning assets | 0.2485% | 2,178 |
| Net interest margin | 2.5610% | 3,751 |
| Noninterest income to average assets | 0.2664% | 3,530 |
| Noninterest expense to average assets | 1.7265% | 4,096 |
| Loan and lease loss provision to assets | 0.0346% | 1,744 |
| Net operating income to assets | 0.7681% | 2,783 |
| Return on assets (ROA) | 0.7681% | 2,772 |
| Pretax return on assets | 0.8235% | 3,033 |
| Return on Equity (ROE) | 9.6302% | 2,113 |
| Retained earnings to average equity (ytd only) | 9.6302% | 1,115 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8005% | 2,663 |
| Assets per employee ($millions) | 6.7215% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 1,291 |
| Loan loss allowance to noncurrent loans | 155.5789% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 1,456 |
| Noncurrent loans to loans | 1.0240% | 883 |
| Net loans and leases to total assets | 39.9484% | 4,016 |
| Net loans and leases to deposits | 43.4903% | 4,095 |
| Net loans and leases to core deposits | 45.7005% | 4,092 |
| Total domestic deposits to total assets | 91.8558% | 634 |
| Equity capital to assets | 7.4047% | 3,987 |
| Core capital (leverage) ratio | 8.3827% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3714% | 2,047 |
| Memoranda: | ||
| Average total assets | $115,609,000 | 3,856 |
| Average earning assets | $104,645,500 | 3,876 |
| Average equity | $9,221,000 | 4,140 |
| Average total loans | $45,386,500 | 4,052 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1338% | 3,615 |
| Cost of funding earning assets | 0.3074% | 2,333 |
| Net interest margin | 2.8264% | 3,606 |
| Noninterest income to average assets | 0.2422% | 3,926 |
| Noninterest expense to average assets | 1.6908% | 4,307 |
| Loan and lease loss provision to assets | 0.0897% | 1,383 |
| Net operating income to assets | 0.8846% | 3,099 |
| Return on assets (ROA) | 1.0280% | 2,636 |
| Pretax return on assets | 1.2038% | 2,654 |
| Return on Equity (ROE) | 11.3711% | 2,031 |
| Retained earnings to average equity (ytd only) | 4.4254% | 3,040 |
| Net charge-offs to loans | 0.0045% | 2,438 |
| Credit loss provision to net charge-offs | 5,000.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 627.0000% | 230 |
| Efficiency ratio | 60.0510% | 3,138 |
| Assets per employee ($millions) | 6.8796% | 2,009 |
| Cash dividends to net income (ytd only)* | 61.0820% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 1,166 |
| Loan loss allowance to noncurrent loans | 115.8730% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 1,229 |
| Noncurrent loans to loans | 1.4193% | 654 |
| Net loans and leases to total assets | 37.3287% | 4,233 |
| Net loans and leases to deposits | 41.2290% | 4,298 |
| Net loans and leases to core deposits | 42.6325% | 4,321 |
| Total domestic deposits to total assets | 90.5398% | 696 |
| Equity capital to assets | 8.5342% | 4,028 |
| Core capital (leverage) ratio | 8.4000% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8308% | 1,916 |
| Memoranda: | ||
| Average total assets | $111,483,200 | 3,878 |
| Average earning assets | $101,507,000 | 3,894 |
| Average equity | $10,078,200 | 4,115 |
| Average total loans | $44,768,600 | 4,093 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2804% | 3,441 |
| Cost of funding earning assets | 0.3236% | 2,365 |
| Net interest margin | 2.9567% | 3,427 |
| Noninterest income to average assets | 0.2034% | 4,182 |
| Noninterest expense to average assets | 1.6806% | 4,355 |
| Loan and lease loss provision to assets | 0.0608% | 1,778 |
| Net operating income to assets | 0.9759% | 3,003 |
| Return on assets (ROA) | 1.1127% | 2,559 |
| Pretax return on assets | 1.3113% | 2,596 |
| Return on Equity (ROE) | 12.1287% | 2,002 |
| Retained earnings to average equity (ytd only) | 12.1287% | 812 |
| Net charge-offs to loans | 0.0059% | 2,104 |
| Credit loss provision to net charge-offs | 2,500.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 500.0000% | 300 |
| Efficiency ratio | 58.1240% | 3,244 |
| Assets per employee ($millions) | 6.1231% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 1,755 |
| Loan loss allowance to noncurrent loans | 103.3435% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6321% | 1,203 |
| Noncurrent loans to loans | 1.4199% | 748 |
| Net loans and leases to total assets | 43.8660% | 3,960 |
| Net loans and leases to deposits | 49.1962% | 4,055 |
| Net loans and leases to core deposits | 51.3975% | 4,066 |
| Total domestic deposits to total assets | 89.1654% | 1,188 |
| Equity capital to assets | 9.9201% | 2,978 |
| Core capital (leverage) ratio | 9.1071% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3750% | 1,838 |
| Memoranda: | ||
| Average total assets | $110,115,750 | 3,942 |
| Average earning assets | $100,108,750 | 3,959 |
| Average equity | $10,102,500 | 4,172 |
| Average total loans | $44,864,000 | 4,149 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2933% | 3,446 |
| Cost of funding earning assets | 0.3390% | 2,416 |
| Net interest margin | 2.9544% | 3,435 |
| Noninterest income to average assets | 0.2283% | 4,031 |
| Noninterest expense to average assets | 1.6981% | 4,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0216% | 2,819 |
| Return on assets (ROA) | 1.1095% | 2,573 |
| Pretax return on assets | 1.3075% | 2,615 |
| Return on Equity (ROE) | 12.4053% | 1,910 |
| Retained earnings to average equity (ytd only) | 12.4053% | 831 |
| Net charge-offs to loans | -0.0766% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5126% | 3,212 |
| Assets per employee ($millions) | 6.4425% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 1,898 |
| Loan loss allowance to noncurrent loans | 59.6507% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.1349% | 626 |
| Noncurrent loans to loans | 2.3763% | 362 |
| Net loans and leases to total assets | 41.2114% | 4,227 |
| Net loans and leases to deposits | 46.0154% | 4,310 |
| Net loans and leases to core deposits | 47.9324% | 4,331 |
| Total domestic deposits to total assets | 89.5602% | 997 |
| Equity capital to assets | 9.4473% | 3,387 |
| Core capital (leverage) ratio | 8.3818% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8533% | 2,026 |
| Memoranda: | ||
| Average total assets | $112,123,667 | 3,946 |
| Average earning assets | $101,477,333 | 3,960 |
| Average equity | $10,028,000 | 4,197 |
| Average total loans | $44,371,667 | 4,184 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3786% | 3,259 |
| Cost of funding earning assets | 0.3468% | 2,548 |
| Net interest margin | 3.0317% | 3,176 |
| Noninterest income to average assets | 0.2186% | 4,080 |
| Noninterest expense to average assets | 1.6117% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1391% | 2,358 |
| Return on assets (ROA) | 1.1391% | 2,423 |
| Pretax return on assets | 1.3507% | 2,428 |
| Return on Equity (ROE) | 13.0922% | 1,649 |
| Retained earnings to average equity (ytd only) | 13.0922% | 894 |
| Net charge-offs to loans | 0.0275% | 1,218 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 127.6667% | 534 |
| Efficiency ratio | 54.4048% | 3,741 |
| Assets per employee ($millions) | 6.8945% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 1,928 |
| Loan loss allowance to noncurrent loans | 59.3396% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.9609% | 872 |
| Noncurrent loans to loans | 2.3714% | 403 |
| Net loans and leases to total assets | 39.9512% | 4,347 |
| Net loans and leases to deposits | 44.2378% | 4,412 |
| Net loans and leases to core deposits | 46.0276% | 4,439 |
| Total domestic deposits to total assets | 90.3102% | 662 |
| Equity capital to assets | 8.8322% | 3,853 |
| Core capital (leverage) ratio | 8.1621% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4815% | 2,093 |
| Memoranda: | ||
| Average total assets | $113,424,000 | 3,936 |
| Average earning assets | $102,647,500 | 3,950 |
| Average equity | $9,868,500 | 4,227 |
| Average total loans | $43,665,000 | 4,220 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3863% | 4,214 |
| Cost of funding earning assets | 0.6026% | 2,283 |
| Net interest margin | 2.7837% | 4,285 |
| Noninterest income to average assets | 0.2503% | 3,990 |
| Noninterest expense to average assets | 1.7682% | 4,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8724% | 2,823 |
| Return on assets (ROA) | 0.8732% | 2,953 |
| Pretax return on assets | 1.0102% | 3,013 |
| Return on Equity (ROE) | 9.1633% | 2,332 |
| Retained earnings to average equity (ytd only) | 1.9237% | 3,859 |
| Net charge-offs to loans | -0.0046% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6622% | 2,871 |
| Assets per employee ($millions) | 7.2835% | 1,406 |
| Cash dividends to net income (ytd only)* | 79.0068% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 1,656 |
| Loan loss allowance to noncurrent loans | 58.8619% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.9199% | 1,068 |
| Noncurrent loans to loans | 2.5147% | 398 |
| Net loans and leases to total assets | 36.0395% | 4,590 |
| Net loans and leases to deposits | 40.4599% | 4,651 |
| Net loans and leases to core deposits | 42.1106% | 4,649 |
| Total domestic deposits to total assets | 89.0746% | 952 |
| Equity capital to assets | 8.5759% | 4,393 |
| Core capital (leverage) ratio | 8.1935% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,461,800 | 3,977 |
| Average earning assets | $92,107,600 | 3,995 |
| Average equity | $9,669,000 | 4,229 |
| Average total loans | $43,798,800 | 4,231 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5581% | 4,112 |
| Cost of funding earning assets | 0.6771% | 2,159 |
| Net interest margin | 2.8810% | 4,210 |
| Noninterest income to average assets | 0.2511% | 3,977 |
| Noninterest expense to average assets | 1.8411% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8832% | 2,761 |
| Return on assets (ROA) | 0.8844% | 2,882 |
| Pretax return on assets | 1.0304% | 2,963 |
| Return on Equity (ROE) | 9.0113% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.0113% | 975 |
| Net charge-offs to loans | -0.0060% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1465% | 2,709 |
| Assets per employee ($millions) | 6.0125% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 1,707 |
| Loan loss allowance to noncurrent loans | 61.0251% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.0116% | 1,090 |
| Noncurrent loans to loans | 2.3065% | 485 |
| Net loans and leases to total assets | 43.2425% | 4,454 |
| Net loans and leases to deposits | 49.3915% | 4,507 |
| Net loans and leases to core deposits | 51.5970% | 4,540 |
| Total domestic deposits to total assets | 87.5504% | 1,418 |
| Equity capital to assets | 9.9147% | 3,307 |
| Core capital (leverage) ratio | 8.9968% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3439% | 1,712 |
| Memoranda: | ||
| Average total assets | $97,693,250 | 4,024 |
| Average earning assets | $88,809,750 | 4,041 |
| Average equity | $9,587,750 | 4,252 |
| Average total loans | $44,091,000 | 4,253 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6942% | 4,102 |
| Cost of funding earning assets | 0.7320% | 2,224 |
| Net interest margin | 2.9623% | 4,206 |
| Noninterest income to average assets | 0.2516% | 3,967 |
| Noninterest expense to average assets | 1.8568% | 4,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9232% | 2,616 |
| Return on assets (ROA) | 0.9232% | 2,735 |
| Pretax return on assets | 1.0875% | 2,750 |
| Return on Equity (ROE) | 9.4411% | 2,184 |
| Retained earnings to average equity (ytd only) | 9.4411% | 896 |
| Net charge-offs to loans | -0.0091% | 4,183 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0650% | 2,943 |
| Assets per employee ($millions) | 5.9924% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 1,525 |
| Loan loss allowance to noncurrent loans | 60.0381% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.0317% | 1,154 |
| Noncurrent loans to loans | 2.3608% | 517 |
| Net loans and leases to total assets | 43.0824% | 4,497 |
| Net loans and leases to deposits | 49.3800% | 4,556 |
| Net loans and leases to core deposits | 55.6326% | 4,442 |
| Total domestic deposits to total assets | 87.2465% | 1,525 |
| Equity capital to assets | 9.7124% | 3,461 |
| Core capital (leverage) ratio | 9.1490% | 3,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1446% | 1,746 |
| Memoranda: | ||
| Average total assets | $96,187,000 | 4,047 |
| Average earning assets | $87,433,333 | 4,061 |
| Average equity | $9,405,667 | 4,298 |
| Average total loans | $43,844,667 | 4,268 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7706% | 4,273 |
| Cost of funding earning assets | 0.7645% | 2,584 |
| Net interest margin | 3.0061% | 4,271 |
| Noninterest income to average assets | 0.2657% | 3,945 |
| Noninterest expense to average assets | 1.8769% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9513% | 2,345 |
| Return on assets (ROA) | 0.9513% | 2,447 |
| Pretax return on assets | 1.1184% | 2,457 |
| Return on Equity (ROE) | 9.6927% | 1,845 |
| Retained earnings to average equity (ytd only) | 9.6927% | 807 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6609% | 3,417 |
| Assets per employee ($millions) | 6.0008% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 1,605 |
| Loan loss allowance to noncurrent loans | 55.6637% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.1769% | 1,068 |
| Noncurrent loans to loans | 2.5626% | 455 |
| Net loans and leases to total assets | 45.2725% | 4,454 |
| Net loans and leases to deposits | 51.8959% | 4,523 |
| Net loans and leases to core deposits | 58.6647% | 4,412 |
| Total domestic deposits to total assets | 87.2370% | 1,452 |
| Equity capital to assets | 9.6905% | 4,052 |
| Core capital (leverage) ratio | 9.5544% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,345,500 | 4,082 |
| Average earning assets | $84,760,500 | 4,096 |
| Average equity | $9,161,500 | 4,347 |
| Average total loans | $43,507,500 | 4,289 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2478% | 3,687 |
| Cost of funding earning assets | 0.8529% | 2,415 |
| Net interest margin | 3.3949% | 3,763 |
| Noninterest income to average assets | 0.3242% | 3,751 |
| Noninterest expense to average assets | 2.0328% | 4,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1105% | 2,399 |
| Return on assets (ROA) | 1.1306% | 2,430 |
| Pretax return on assets | 1.3556% | 2,310 |
| Return on Equity (ROE) | 11.0110% | 1,884 |
| Retained earnings to average equity (ytd only) | 2.5842% | 3,740 |
| Net charge-offs to loans | 0.0046% | 3,509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 577.0000% | 170 |
| Efficiency ratio | 60.4252% | 3,629 |
| Assets per employee ($millions) | 5.3341% | 2,213 |
| Cash dividends to net income (ytd only)* | 76.5306% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 1,324 |
| Loan loss allowance to noncurrent loans | 66.7728% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.0388% | 1,202 |
| Noncurrent loans to loans | 2.1948% | 563 |
| Net loans and leases to total assets | 46.6370% | 4,497 |
| Net loans and leases to deposits | 52.7156% | 4,580 |
| Net loans and leases to core deposits | 56.6268% | 4,561 |
| Total domestic deposits to total assets | 88.4692% | 901 |
| Equity capital to assets | 9.9461% | 3,971 |
| Core capital (leverage) ratio | 9.6445% | 3,909 |
| Tier 1 risk-based capital ratio | 14.0294% | 3,254 |
| Total risk-based capital ratio | 15.0860% | 3,257 |
| Memoranda: | ||
| Average total assets | $86,677,000 | 4,192 |
| Average earning assets | $77,616,600 | 4,222 |
| Average equity | $8,900,200 | 4,390 |
| Average total loans | $43,294,400 | 4,325 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 3,603 |
| Cost of funding earning assets | 0.8628% | 2,394 |
| Net interest margin | 3.4547% | 3,719 |
| Noninterest income to average assets | 0.3190% | 3,837 |
| Noninterest expense to average assets | 2.0168% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1485% | 2,375 |
| Return on assets (ROA) | 1.1485% | 2,466 |
| Pretax return on assets | 1.3804% | 2,384 |
| Return on Equity (ROE) | 11.0927% | 1,983 |
| Retained earnings to average equity (ytd only) | 11.0927% | 506 |
| Net charge-offs to loans | 0.0062% | 3,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 442.9363% | 223 |
| Efficiency ratio | 59.3678% | 3,753 |
| Assets per employee ($millions) | 5.3595% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 1,568 |
| Loan loss allowance to noncurrent loans | 62.5871% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.1720% | 1,089 |
| Noncurrent loans to loans | 2.2398% | 556 |
| Net loans and leases to total assets | 51.5930% | 4,336 |
| Net loans and leases to deposits | 59.1415% | 4,420 |
| Net loans and leases to core deposits | 65.9757% | 4,278 |
| Total domestic deposits to total assets | 87.2364% | 1,413 |
| Equity capital to assets | 11.1624% | 2,956 |
| Core capital (leverage) ratio | 10.9653% | 2,677 |
| Tier 1 risk-based capital ratio | 14.8816% | 2,909 |
| Total risk-based capital ratio | 15.9382% | 2,916 |
| Memoranda: | ||
| Average total assets | $85,676,500 | 4,261 |
| Average earning assets | $76,338,500 | 4,293 |
| Average equity | $8,870,500 | 4,440 |
| Average total loans | $43,388,250 | 4,378 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 3,513 |
| Cost of funding earning assets | 0.8440% | 2,424 |
| Net interest margin | 3.4966% | 3,608 |
| Noninterest income to average assets | 0.3176% | 3,805 |
| Noninterest expense to average assets | 2.0268% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1699% | 2,260 |
| Return on assets (ROA) | 1.1699% | 2,336 |
| Pretax return on assets | 1.4057% | 2,190 |
| Return on Equity (ROE) | 11.6017% | 1,742 |
| Retained earnings to average equity (ytd only) | 11.6017% | 460 |
| Net charge-offs to loans | 0.0233% | 2,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 120.4000% | 606 |
| Efficiency ratio | 59.0476% | 3,852 |
| Assets per employee ($millions) | 4.8701% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 1,359 |
| Loan loss allowance to noncurrent loans | 62.9779% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.2006% | 1,101 |
| Noncurrent loans to loans | 2.3351% | 552 |
| Net loans and leases to total assets | 50.6601% | 4,435 |
| Net loans and leases to deposits | 58.0456% | 4,514 |
| Net loans and leases to core deposits | 65.0183% | 4,364 |
| Total domestic deposits to total assets | 87.2764% | 1,449 |
| Equity capital to assets | 11.1075% | 2,940 |
| Core capital (leverage) ratio | 10.5741% | 3,009 |
| Tier 1 risk-based capital ratio | 15.0136% | 2,838 |
| Total risk-based capital ratio | 16.1036% | 2,821 |
| Memoranda: | ||
| Average total assets | $85,651,330 | 4,289 |
| Average earning assets | $76,302,000 | 4,324 |
| Average equity | $8,636,670 | 4,494 |
| Average total loans | $42,894,000 | 4,421 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 3,626 |
| Cost of funding earning assets | 0.8057% | 2,507 |
| Net interest margin | 3.4709% | 3,677 |
| Noninterest income to average assets | 0.2940% | 3,913 |
| Noninterest expense to average assets | 2.0027% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1483% | 2,279 |
| Return on assets (ROA) | 1.1483% | 2,326 |
| Pretax return on assets | 1.3780% | 2,162 |
| Return on Equity (ROE) | 11.9660% | 1,541 |
| Retained earnings to average equity (ytd only) | 11.9660% | 618 |
| Net charge-offs to loans | -0.0186% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2391% | 3,921 |
| Assets per employee ($millions) | 5.3041% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,359 |
| Loan loss allowance to noncurrent loans | 60.2857% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 1,078 |
| Noncurrent loans to loans | 2.4779% | 534 |
| Net loans and leases to total assets | 49.1852% | 4,515 |
| Net loans and leases to deposits | 55.7007% | 4,611 |
| Net loans and leases to core deposits | 61.5141% | 4,509 |
| Total domestic deposits to total assets | 88.3026% | 1,186 |
| Equity capital to assets | 10.1479% | 3,679 |
| Core capital (leverage) ratio | 10.0012% | 3,606 |
| Tier 1 risk-based capital ratio | 14.4489% | 3,118 |
| Total risk-based capital ratio | 15.5414% | 3,126 |
| Memoranda: | ||
| Average total assets | $87,081,500 | 4,313 |
| Average earning assets | $77,444,000 | 4,348 |
| Average equity | $8,357,000 | 4,564 |
| Average total loans | $43,057,000 | 4,460 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 3,435 |
| Cost of funding earning assets | 0.6878% | 2,160 |
| Net interest margin | 3.5177% | 3,644 |
| Noninterest income to average assets | 0.3440% | 3,811 |
| Noninterest expense to average assets | 1.9511% | 4,819 |
| Loan and lease loss provision to assets | 0.0601% | 2,960 |
| Net operating income to assets | 1.2065% | 2,138 |
| Return on assets (ROA) | 1.2065% | 2,132 |
| Pretax return on assets | 1.4459% | 1,965 |
| Return on Equity (ROE) | 12.2240% | 1,639 |
| Retained earnings to average equity (ytd only) | 3.6928% | 3,549 |
| Net charge-offs to loans | 0.0567% | 2,334 |
| Credit loss provision to net charge-offs | 217.3913% | 1,332 |
| Earnings coverage of net charge-offs (x) | 54.4348% | 1,087 |
| Efficiency ratio | 56.4370% | 4,354 |
| Assets per employee ($millions) | 5.5811% | 1,884 |
| Cash dividends to net income (ytd only)* | 69.7906% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 1,478 |
| Loan loss allowance to noncurrent loans | 54.8219% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.2901% | 992 |
| Noncurrent loans to loans | 2.6315% | 444 |
| Net loans and leases to total assets | 48.2754% | 4,614 |
| Net loans and leases to deposits | 54.0139% | 4,750 |
| Net loans and leases to core deposits | 58.9493% | 4,672 |
| Total domestic deposits to total assets | 89.3760% | 706 |
| Equity capital to assets | 9.0730% | 4,519 |
| Core capital (leverage) ratio | 9.5321% | 4,086 |
| Tier 1 risk-based capital ratio | 13.7144% | 3,432 |
| Total risk-based capital ratio | 14.7800% | 3,437 |
| Memoranda: | ||
| Average total assets | $83,133,400 | 4,373 |
| Average earning assets | $73,570,600 | 4,430 |
| Average equity | $8,205,200 | 4,576 |
| Average total loans | $40,563,000 | 4,541 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 3,264 |
| Cost of funding earning assets | 0.6313% | 2,262 |
| Net interest margin | 3.5846% | 3,417 |
| Noninterest income to average assets | 0.3432% | 3,850 |
| Noninterest expense to average assets | 2.0165% | 4,709 |
| Loan and lease loss provision to assets | 0.0245% | 3,526 |
| Net operating income to assets | 1.2256% | 2,143 |
| Return on assets (ROA) | 1.2256% | 2,141 |
| Pretax return on assets | 1.4756% | 1,983 |
| Return on Equity (ROE) | 12.1489% | 1,737 |
| Retained earnings to average equity (ytd only) | 12.1489% | 462 |
| Net charge-offs to loans | 0.0771% | 1,751 |
| Credit loss provision to net charge-offs | 65.2174% | 2,681 |
| Earnings coverage of net charge-offs (x) | 39.9077% | 1,359 |
| Efficiency ratio | 57.3420% | 4,209 |
| Assets per employee ($millions) | 5.1994% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 1,731 |
| Loan loss allowance to noncurrent loans | 59.5405% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.2045% | 1,158 |
| Noncurrent loans to loans | 2.3387% | 577 |
| Net loans and leases to total assets | 50.7345% | 4,546 |
| Net loans and leases to deposits | 57.4067% | 4,674 |
| Net loans and leases to core deposits | 69.3733% | 4,227 |
| Total domestic deposits to total assets | 88.3772% | 1,093 |
| Equity capital to assets | 10.1106% | 3,530 |
| Core capital (leverage) ratio | 10.6509% | 2,937 |
| Tier 1 risk-based capital ratio | 15.0152% | 2,876 |
| Total risk-based capital ratio | 16.0595% | 2,887 |
| Memoranda: | ||
| Average total assets | $81,592,250 | 4,450 |
| Average earning assets | $72,234,000 | 4,500 |
| Average equity | $8,231,000 | 4,620 |
| Average total loans | $39,768,750 | 4,602 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 3,157 |
| Cost of funding earning assets | 0.5511% | 2,600 |
| Net interest margin | 3.6350% | 3,180 |
| Noninterest income to average assets | 0.3479% | 3,845 |
| Noninterest expense to average assets | 2.0479% | 4,711 |
| Loan and lease loss provision to assets | 0.0370% | 3,170 |
| Net operating income to assets | 1.2361% | 2,034 |
| Return on assets (ROA) | 1.2361% | 2,030 |
| Pretax return on assets | 1.4853% | 1,866 |
| Return on Equity (ROE) | 12.2629% | 1,634 |
| Retained earnings to average equity (ytd only) | 12.2629% | 480 |
| Net charge-offs to loans | -0.0103% | 4,331 |
| Credit loss provision to net charge-offs | -750.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3601% | 4,319 |
| Assets per employee ($millions) | 4.7681% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 1,380 |
| Loan loss allowance to noncurrent loans | 61.8526% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.2399% | 1,150 |
| Noncurrent loans to loans | 2.4331% | 542 |
| Net loans and leases to total assets | 50.1425% | 4,600 |
| Net loans and leases to deposits | 56.8495% | 4,709 |
| Net loans and leases to core deposits | 65.5422% | 4,393 |
| Total domestic deposits to total assets | 88.2021% | 1,272 |
| Equity capital to assets | 10.2508% | 3,390 |
| Core capital (leverage) ratio | 10.5376% | 2,992 |
| Tier 1 risk-based capital ratio | 14.9005% | 2,920 |
| Total risk-based capital ratio | 16.0127% | 2,914 |
| Memoranda: | ||
| Average total assets | $81,059,670 | 4,500 |
| Average earning assets | $71,856,670 | 4,552 |
| Average equity | $8,171,000 | 4,668 |
| Average total loans | $38,757,670 | 4,677 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1046% | 3,223 |
| Cost of funding earning assets | 0.4970% | 2,817 |
| Net interest margin | 3.6076% | 3,146 |
| Noninterest income to average assets | 0.3454% | 3,834 |
| Noninterest expense to average assets | 2.0725% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2188% | 1,931 |
| Return on assets (ROA) | 1.2188% | 1,939 |
| Pretax return on assets | 1.4606% | 1,801 |
| Return on Equity (ROE) | 12.1945% | 1,509 |
| Retained earnings to average equity (ytd only) | 9.5285% | 1,300 |
| Net charge-offs to loans | -0.0107% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6592% | 4,269 |
| Assets per employee ($millions) | 4.7144% | 2,841 |
| Cash dividends to net income (ytd only)* | 21.8623% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 1,271 |
| Loan loss allowance to noncurrent loans | 66.9248% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 1,370 |
| Noncurrent loans to loans | 2.3227% | 614 |
| Net loans and leases to total assets | 47.8089% | 4,704 |
| Net loans and leases to deposits | 54.0866% | 4,791 |
| Net loans and leases to core deposits | 59.0749% | 4,696 |
| Total domestic deposits to total assets | 88.3934% | 1,411 |
| Equity capital to assets | 10.1031% | 3,498 |
| Core capital (leverage) ratio | 10.3663% | 3,099 |
| Tier 1 risk-based capital ratio | 14.8782% | 2,933 |
| Total risk-based capital ratio | 15.9942% | 2,926 |
| Memoranda: | ||
| Average total assets | $81,061,000 | 4,547 |
| Average earning assets | $71,627,500 | 4,605 |
| Average equity | $8,102,000 | 4,728 |
| Average total loans | $37,504,000 | 4,765 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 2,855 |
| Cost of funding earning assets | 0.4736% | 2,567 |
| Net interest margin | 3.6825% | 2,872 |
| Noninterest income to average assets | 0.4126% | 3,551 |
| Noninterest expense to average assets | 2.0592% | 4,865 |
| Loan and lease loss provision to assets | 0.0908% | 2,377 |
| Net operating income to assets | 1.1240% | 1,777 |
| Return on assets (ROA) | 1.1314% | 1,780 |
| Pretax return on assets | 1.5622% | 1,410 |
| Return on Equity (ROE) | 10.4622% | 1,692 |
| Retained earnings to average equity (ytd only) | 2.0636% | 4,083 |
| Net charge-offs to loans | 0.0666% | 2,519 |
| Credit loss provision to net charge-offs | 304.3478% | 926 |
| Earnings coverage of net charge-offs (x) | 55.0435% | 1,020 |
| Efficiency ratio | 55.6257% | 4,800 |
| Assets per employee ($millions) | 4.8222% | 2,708 |
| Cash dividends to net income (ytd only)* | 80.2752% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6737% | 988 |
| Loan loss allowance to noncurrent loans | 62.4612% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.1808% | 1,259 |
| Noncurrent loans to loans | 2.6796% | 466 |
| Net loans and leases to total assets | 43.2836% | 5,013 |
| Net loans and leases to deposits | 48.8249% | 5,099 |
| Net loans and leases to core deposits | 52.4183% | 5,058 |
| Total domestic deposits to total assets | 88.6506% | 1,169 |
| Equity capital to assets | 9.8892% | 3,830 |
| Core capital (leverage) ratio | 9.7198% | 3,783 |
| Tier 1 risk-based capital ratio | 15.3620% | 2,679 |
| Total risk-based capital ratio | 16.5405% | 2,644 |
| Memoranda: | ||
| Average total assets | $77,070,600 | 4,644 |
| Average earning assets | $68,838,600 | 4,686 |
| Average equity | $8,334,800 | 4,729 |
| Average total loans | $34,545,200 | 4,885 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 3,218 |
| Cost of funding earning assets | 0.4446% | 2,762 |
| Net interest margin | 3.5940% | 3,175 |
| Noninterest income to average assets | 0.3955% | 3,718 |
| Noninterest expense to average assets | 2.0814% | 4,774 |
| Loan and lease loss provision to assets | 0.0791% | 2,503 |
| Net operating income to assets | 1.1214% | 1,988 |
| Return on assets (ROA) | 1.1269% | 2,030 |
| Pretax return on assets | 1.4679% | 1,883 |
| Return on Equity (ROE) | 10.1844% | 2,043 |
| Retained earnings to average equity (ytd only) | 10.1844% | 544 |
| Net charge-offs to loans | 0.0156% | 3,211 |
| Credit loss provision to net charge-offs | 1,125.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 219.1313% | 395 |
| Efficiency ratio | 57.4757% | 4,568 |
| Assets per employee ($millions) | 5.2148% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 1,257 |
| Loan loss allowance to noncurrent loans | 62.5523% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.2247% | 1,336 |
| Noncurrent loans to loans | 2.5482% | 585 |
| Net loans and leases to total assets | 47.1977% | 4,871 |
| Net loans and leases to deposits | 54.9079% | 4,922 |
| Net loans and leases to core deposits | 65.8609% | 4,493 |
| Total domestic deposits to total assets | 85.9579% | 2,331 |
| Equity capital to assets | 11.2398% | 2,629 |
| Core capital (leverage) ratio | 11.1359% | 2,340 |
| Tier 1 risk-based capital ratio | 16.2059% | 2,414 |
| Total risk-based capital ratio | 17.3677% | 2,395 |
| Memoranda: | ||
| Average total assets | $75,843,750 | 4,718 |
| Average earning assets | $68,074,000 | 4,750 |
| Average equity | $8,391,750 | 4,768 |
| Average total loans | $34,159,750 | 4,945 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0536% | 3,000 |
| Cost of funding earning assets | 0.4145% | 2,938 |
| Net interest margin | 3.6391% | 2,884 |
| Noninterest income to average assets | 0.4077% | 3,643 |
| Noninterest expense to average assets | 2.0999% | 4,771 |
| Loan and lease loss provision to assets | 0.1066% | 1,908 |
| Net operating income to assets | 1.1326% | 1,843 |
| Return on assets (ROA) | 1.1326% | 1,892 |
| Pretax return on assets | 1.4763% | 1,732 |
| Return on Equity (ROE) | 10.2926% | 1,913 |
| Retained earnings to average equity (ytd only) | 10.2926% | 538 |
| Net charge-offs to loans | 0.0061% | 3,243 |
| Credit loss provision to net charge-offs | 4,000.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 594.0000% | 132 |
| Efficiency ratio | 57.0188% | 4,706 |
| Assets per employee ($millions) | 4.3938% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 1,017 |
| Loan loss allowance to noncurrent loans | 77.2021% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.0362% | 1,692 |
| Noncurrent loans to loans | 2.2296% | 721 |
| Net loans and leases to total assets | 45.5573% | 4,967 |
| Net loans and leases to deposits | 52.0576% | 5,057 |
| Net loans and leases to core deposits | 59.3750% | 4,855 |
| Total domestic deposits to total assets | 87.5132% | 1,711 |
| Equity capital to assets | 11.5336% | 2,295 |
| Core capital (leverage) ratio | 11.1659% | 2,263 |
| Tier 1 risk-based capital ratio | 16.8025% | 2,201 |
| Total risk-based capital ratio | 18.0350% | 2,170 |
| Memoranda: | ||
| Average total assets | $75,051,000 | 4,766 |
| Average earning assets | $67,545,000 | 4,793 |
| Average equity | $8,258,330 | 4,813 |
| Average total loans | $33,040,670 | 5,006 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9222% | 3,313 |
| Cost of funding earning assets | 0.3899% | 3,100 |
| Net interest margin | 3.5323% | 3,153 |
| Noninterest income to average assets | 0.4041% | 3,631 |
| Noninterest expense to average assets | 2.1109% | 4,830 |
| Loan and lease loss provision to assets | 0.0798% | 2,216 |
| Net operating income to assets | 1.0794% | 1,950 |
| Return on assets (ROA) | 1.0794% | 1,996 |
| Pretax return on assets | 1.3931% | 1,913 |
| Return on Equity (ROE) | 10.0495% | 1,946 |
| Retained earnings to average equity (ytd only) | 10.0495% | 798 |
| Net charge-offs to loans | 0.0496% | 1,868 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 69.2500% | 729 |
| Efficiency ratio | 58.9021% | 4,605 |
| Assets per employee ($millions) | 4.3969% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6862% | 1,172 |
| Loan loss allowance to noncurrent loans | 65.4378% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.1639% | 1,515 |
| Noncurrent loans to loans | 2.5768% | 595 |
| Net loans and leases to total assets | 44.3055% | 5,021 |
| Net loans and leases to deposits | 50.2671% | 5,120 |
| Net loans and leases to core deposits | 52.0086% | 5,141 |
| Total domestic deposits to total assets | 88.1400% | 1,633 |
| Equity capital to assets | 11.0078% | 2,621 |
| Core capital (leverage) ratio | 10.9717% | 2,385 |
| Tier 1 risk-based capital ratio | 16.6309% | 2,315 |
| Total risk-based capital ratio | 17.8262% | 2,282 |
| Memoranda: | ||
| Average total assets | $75,229,000 | 4,814 |
| Average earning assets | $67,717,500 | 4,838 |
| Average equity | $8,080,000 | 4,887 |
| Average total loans | $32,248,500 | 5,081 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0229% | 3,117 |
| Cost of funding earning assets | 0.4066% | 2,943 |
| Net interest margin | 3.6163% | 3,015 |
| Noninterest income to average assets | 0.3976% | 3,906 |
| Noninterest expense to average assets | 2.0399% | 5,115 |
| Loan and lease loss provision to assets | 0.0798% | 2,766 |
| Net operating income to assets | 1.1835% | 1,558 |
| Return on assets (ROA) | 1.1835% | 1,652 |
| Pretax return on assets | 1.5306% | 1,490 |
| Return on Equity (ROE) | 10.5899% | 1,737 |
| Retained earnings to average equity (ytd only) | 2.8557% | 3,864 |
| Net charge-offs to loans | 0.0148% | 3,799 |
| Credit loss provision to net charge-offs | 1,200.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 242.2000% | 293 |
| Efficiency ratio | 55.8834% | 5,079 |
| Assets per employee ($millions) | 4.4536% | 3,183 |
| Cash dividends to net income (ytd only)* | 73.0337% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 934 |
| Loan loss allowance to noncurrent loans | 61.0746% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2072% | 1,493 |
| Noncurrent loans to loans | 2.9599% | 470 |
| Net loans and leases to total assets | 39.9612% | 5,313 |
| Net loans and leases to deposits | 45.1891% | 5,395 |
| Net loans and leases to core deposits | 46.1232% | 5,426 |
| Total domestic deposits to total assets | 88.4310% | 1,421 |
| Equity capital to assets | 10.4767% | 3,181 |
| Core capital (leverage) ratio | 9.7933% | 3,757 |
| Tier 1 risk-based capital ratio | 16.8616% | 2,207 |
| Total risk-based capital ratio | 18.0813% | 2,168 |
| Memoranda: | ||
| Average total assets | $75,201,000 | 4,827 |
| Average earning assets | $67,637,600 | 4,853 |
| Average equity | $8,404,200 | 4,862 |
| Average total loans | $33,861,000 | 5,072 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0465% | 3,050 |
| Cost of funding earning assets | 0.4074% | 2,951 |
| Net interest margin | 3.6391% | 2,930 |
| Noninterest income to average assets | 0.4191% | 3,786 |
| Noninterest expense to average assets | 2.0282% | 5,147 |
| Loan and lease loss provision to assets | 0.0799% | 2,610 |
| Net operating income to assets | 1.2148% | 1,587 |
| Return on assets (ROA) | 1.2148% | 1,687 |
| Pretax return on assets | 1.5789% | 1,438 |
| Return on Equity (ROE) | 10.7012% | 1,787 |
| Retained earnings to average equity (ytd only) | 10.7012% | 458 |
| Net charge-offs to loans | 0.0038% | 3,787 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 936.3158% | 88 |
| Efficiency ratio | 55.0096% | 5,157 |
| Assets per employee ($millions) | 5.0145% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 1,459 |
| Loan loss allowance to noncurrent loans | 56.6978% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 1.2962% | 1,483 |
| Noncurrent loans to loans | 2.8258% | 567 |
| Net loans and leases to total assets | 44.5817% | 5,158 |
| Net loans and leases to deposits | 51.2463% | 5,242 |
| Net loans and leases to core deposits | 58.9032% | 5,002 |
| Total domestic deposits to total assets | 86.9950% | 1,902 |
| Equity capital to assets | 11.8205% | 2,239 |
| Core capital (leverage) ratio | 11.0462% | 2,400 |
| Tier 1 risk-based capital ratio | 17.0587% | 2,206 |
| Total risk-based capital ratio | 18.2024% | 2,202 |
| Memoranda: | ||
| Average total assets | $75,073,500 | 4,867 |
| Average earning assets | $67,414,000 | 4,897 |
| Average equity | $8,522,250 | 4,880 |
| Average total loans | $34,623,250 | 5,101 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0671% | 2,999 |
| Cost of funding earning assets | 0.4020% | 3,020 |
| Net interest margin | 3.6651% | 2,841 |
| Noninterest income to average assets | 0.4265% | 3,681 |
| Noninterest expense to average assets | 2.0393% | 5,192 |
| Loan and lease loss provision to assets | 0.0800% | 2,540 |
| Net operating income to assets | 1.2422% | 1,454 |
| Return on assets (ROA) | 1.2422% | 1,562 |
| Pretax return on assets | 1.6128% | 1,336 |
| Return on Equity (ROE) | 11.0961% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.0961% | 429 |
| Net charge-offs to loans | 0.0057% | 3,497 |
| Credit loss provision to net charge-offs | 3,000.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 635.0000% | 94 |
| Efficiency ratio | 54.6429% | 5,260 |
| Assets per employee ($millions) | 4.5882% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 1,725 |
| Loan loss allowance to noncurrent loans | 55.5439% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.3186% | 1,527 |
| Noncurrent loans to loans | 2.7682% | 576 |
| Net loans and leases to total assets | 46.3200% | 5,111 |
| Net loans and leases to deposits | 53.8993% | 5,141 |
| Net loans and leases to core deposits | 62.4133% | 4,859 |
| Total domestic deposits to total assets | 85.9381% | 2,454 |
| Equity capital to assets | 11.9178% | 2,180 |
| Core capital (leverage) ratio | 10.7511% | 2,695 |
| Tier 1 risk-based capital ratio | 16.6527% | 2,377 |
| Total risk-based capital ratio | 17.7682% | 2,366 |
| Memoranda: | ||
| Average total assets | $75,025,670 | 4,911 |
| Average earning assets | $67,665,330 | 4,941 |
| Average equity | $8,399,330 | 4,942 |
| Average total loans | $34,804,670 | 5,146 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 3,434 |
| Cost of funding earning assets | 0.4045% | 3,020 |
| Net interest margin | 3.5351% | 3,338 |
| Noninterest income to average assets | 0.4589% | 3,426 |
| Noninterest expense to average assets | 2.0044% | 5,323 |
| Loan and lease loss provision to assets | 0.0791% | 2,379 |
| Net operating income to assets | 1.2185% | 1,496 |
| Return on assets (ROA) | 1.2185% | 1,598 |
| Pretax return on assets | 1.5561% | 1,416 |
| Return on Equity (ROE) | 11.2347% | 1,519 |
| Retained earnings to average equity (ytd only) | 11.2347% | 611 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0725% | 5,281 |
| Assets per employee ($millions) | 4.6972% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 2,129 |
| Loan loss allowance to noncurrent loans | 50.2918% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 1.3838% | 1,508 |
| Noncurrent loans to loans | 2.9166% | 570 |
| Net loans and leases to total assets | 46.2098% | 5,099 |
| Net loans and leases to deposits | 52.6884% | 5,185 |
| Net loans and leases to core deposits | 59.8178% | 4,952 |
| Total domestic deposits to total assets | 87.7041% | 1,800 |
| Equity capital to assets | 11.1530% | 2,767 |
| Core capital (leverage) ratio | 10.5221% | 2,934 |
| Tier 1 risk-based capital ratio | 15.9641% | 2,699 |
| Total risk-based capital ratio | 17.0371% | 2,722 |
| Memoranda: | ||
| Average total assets | $75,833,000 | 4,942 |
| Average earning assets | $68,230,000 | 4,976 |
| Average equity | $8,224,500 | 5,014 |
| Average total loans | $34,939,500 | 5,177 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0958% | 2,936 |
| Cost of funding earning assets | 0.3974% | 3,189 |
| Net interest margin | 3.6984% | 2,754 |
| Noninterest income to average assets | 0.3871% | 4,138 |
| Noninterest expense to average assets | 2.0510% | 5,349 |
| Loan and lease loss provision to assets | 0.0343% | 3,666 |
| Net operating income to assets | 1.2493% | 1,385 |
| Return on assets (ROA) | 1.2493% | 1,440 |
| Pretax return on assets | 1.5856% | 1,293 |
| Return on Equity (ROE) | 11.1983% | 1,544 |
| Retained earnings to average equity (ytd only) | 1.9689% | 4,603 |
| Net charge-offs to loans | 0.0326% | 3,569 |
| Credit loss provision to net charge-offs | 250.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 510 |
| Efficiency ratio | 55.8714% | 5,356 |
| Assets per employee ($millions) | 4.7819% | 2,633 |
| Cash dividends to net income (ytd only)* | 82.4176% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 2,211 |
| Loan loss allowance to noncurrent loans | 51.8595% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 1.2809% | 1,666 |
| Noncurrent loans to loans | 2.7950% | 614 |
| Net loans and leases to total assets | 44.6093% | 5,246 |
| Net loans and leases to deposits | 50.5555% | 5,360 |
| Net loans and leases to core deposits | 57.2130% | 5,145 |
| Total domestic deposits to total assets | 88.2383% | 1,517 |
| Equity capital to assets | 10.5436% | 3,309 |
| Core capital (leverage) ratio | 9.7440% | 3,842 |
| Tier 1 risk-based capital ratio | 15.5982% | 2,884 |
| Total risk-based capital ratio | 16.6478% | 2,923 |
| Memoranda: | ||
| Average total assets | $72,841,800 | 5,018 |
| Average earning assets | $64,676,400 | 5,070 |
| Average equity | $8,126,200 | 5,038 |
| Average total loans | $30,712,600 | 5,334 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0808% | 3,020 |
| Cost of funding earning assets | 0.4014% | 3,213 |
| Net interest margin | 3.6794% | 2,852 |
| Noninterest income to average assets | 0.3837% | 4,195 |
| Noninterest expense to average assets | 2.0428% | 5,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2643% | 1,439 |
| Return on assets (ROA) | 1.2643% | 1,500 |
| Pretax return on assets | 1.6035% | 1,374 |
| Return on Equity (ROE) | 11.1695% | 1,639 |
| Retained earnings to average equity (ytd only) | 7.0752% | 1,653 |
| Net charge-offs to loans | -0.0314% | 5,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0244% | 5,352 |
| Assets per employee ($millions) | 4.9899% | 2,310 |
| Cash dividends to net income (ytd only)* | 36.6575% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 2,308 |
| Loan loss allowance to noncurrent loans | 53.5211% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 1.2492% | 1,875 |
| Noncurrent loans to loans | 2.7370% | 693 |
| Net loans and leases to total assets | 44.3947% | 5,332 |
| Net loans and leases to deposits | 52.1779% | 5,360 |
| Net loans and leases to core deposits | 55.3891% | 5,340 |
| Total domestic deposits to total assets | 85.0833% | 2,972 |
| Equity capital to assets | 11.0877% | 2,916 |
| Core capital (leverage) ratio | 10.9339% | 2,563 |
| Tier 1 risk-based capital ratio | 16.6383% | 2,507 |
| Total risk-based capital ratio | 17.7014% | 2,563 |
| Memoranda: | ||
| Average total assets | $71,924,500 | 5,102 |
| Average earning assets | $63,776,750 | 5,154 |
| Average equity | $8,141,000 | 5,097 |
| Average total loans | $29,732,500 | 5,431 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0258% | 3,182 |
| Cost of funding earning assets | 0.4070% | 3,197 |
| Net interest margin | 3.6187% | 3,018 |
| Noninterest income to average assets | 0.3721% | 4,281 |
| Noninterest expense to average assets | 2.0916% | 5,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1980% | 1,606 |
| Return on assets (ROA) | 1.1980% | 1,683 |
| Pretax return on assets | 1.4884% | 1,682 |
| Return on Equity (ROE) | 10.5090% | 1,848 |
| Retained earnings to average equity (ytd only) | 4.3272% | 3,267 |
| Net charge-offs to loans | -0.0704% | 5,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4252% | 5,171 |
| Assets per employee ($millions) | 5.0130% | 2,260 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6344% | 1,802 |
| Loan loss allowance to noncurrent loans | 46.7545% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 1.5389% | 1,587 |
| Noncurrent loans to loans | 3.4958% | 502 |
| Net loans and leases to total assets | 42.6192% | 5,460 |
| Net loans and leases to deposits | 48.6492% | 5,569 |
| Net loans and leases to core deposits | 49.7762% | 5,625 |
| Total domestic deposits to total assets | 87.6051% | 1,837 |
| Equity capital to assets | 11.3833% | 2,508 |
| Core capital (leverage) ratio | 10.8849% | 2,529 |
| Tier 1 risk-based capital ratio | 17.5542% | 2,198 |
| Total risk-based capital ratio | 18.7212% | 2,190 |
| Memoranda: | ||
| Average total assets | $70,949,670 | 5,185 |
| Average earning assets | $62,894,670 | 5,228 |
| Average equity | $8,088,330 | 5,143 |
| Average total loans | $28,402,330 | 5,535 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9019% | 3,603 |
| Cost of funding earning assets | 0.4017% | 3,284 |
| Net interest margin | 3.5003% | 3,437 |
| Noninterest income to average assets | 0.4037% | 3,977 |
| Noninterest expense to average assets | 2.1028% | 5,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1271% | 1,763 |
| Return on assets (ROA) | 1.1271% | 1,869 |
| Pretax return on assets | 1.3794% | 1,964 |
| Return on Equity (ROE) | 9.8796% | 2,060 |
| Retained earnings to average equity (ytd only) | 9.8796% | 957 |
| Net charge-offs to loans | -0.0730% | 5,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3865% | 5,041 |
| Assets per employee ($millions) | 4.7727% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 1,728 |
| Loan loss allowance to noncurrent loans | 45.6825% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 1.5491% | 1,666 |
| Noncurrent loans to loans | 3.7270% | 489 |
| Net loans and leases to total assets | 39.6773% | 5,614 |
| Net loans and leases to deposits | 45.5296% | 5,675 |
| Net loans and leases to core deposits | 46.5686% | 5,725 |
| Total domestic deposits to total assets | 87.1462% | 2,292 |
| Equity capital to assets | 11.5854% | 2,388 |
| Core capital (leverage) ratio | 11.1019% | 2,315 |
| Tier 1 risk-based capital ratio | 18.2842% | 2,067 |
| Total risk-based capital ratio | 19.4833% | 2,029 |
| Memoranda: | ||
| Average total assets | $71,333,500 | 5,227 |
| Average earning assets | $62,738,000 | 5,287 |
| Average equity | $8,138,000 | 5,183 |
| Average total loans | $27,399,500 | 5,621 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0163% | 3,667 |
| Cost of funding earning assets | 0.4628% | 3,042 |
| Net interest margin | 3.5535% | 3,587 |
| Noninterest income to average assets | 0.4130% | 4,090 |
| Noninterest expense to average assets | 2.1281% | 5,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1931% | 1,604 |
| Return on assets (ROA) | 1.1931% | 1,675 |
| Pretax return on assets | 1.4341% | 1,771 |
| Return on Equity (ROE) | 10.5378% | 1,887 |
| Retained earnings to average equity (ytd only) | 1.6719% | 4,976 |
| Net charge-offs to loans | 0.0965% | 3,126 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 38.4615% | 1,119 |
| Efficiency ratio | 59.7424% | 5,255 |
| Assets per employee ($millions) | 4.7385% | 2,670 |
| Cash dividends to net income (ytd only)* | 84.1346% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8802% | 1,360 |
| Loan loss allowance to noncurrent loans | 45.9434% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 1.5575% | 1,736 |
| Noncurrent loans to loans | 4.0923% | 439 |
| Net loans and leases to total assets | 35.7570% | 5,966 |
| Net loans and leases to deposits | 41.1106% | 5,994 |
| Net loans and leases to core deposits | 41.8602% | 6,048 |
| Total domestic deposits to total assets | 86.9775% | 2,302 |
| Equity capital to assets | 11.2301% | 2,665 |
| Core capital (leverage) ratio | 10.2823% | 3,195 |
| Tier 1 risk-based capital ratio | 19.0307% | 1,841 |
| Total risk-based capital ratio | 20.2821% | 1,803 |
| Memoranda: | ||
| Average total assets | $69,732,000 | 5,301 |
| Average earning assets | $61,798,000 | 5,348 |
| Average equity | $7,895,400 | 5,228 |
| Average total loans | $26,944,800 | 5,700 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 3,715 |
| Cost of funding earning assets | 0.4781% | 2,977 |
| Net interest margin | 3.5328% | 3,706 |
| Noninterest income to average assets | 0.4650% | 3,769 |
| Noninterest expense to average assets | 2.0616% | 5,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2584% | 1,504 |
| Return on assets (ROA) | 1.2584% | 1,557 |
| Pretax return on assets | 1.5409% | 1,507 |
| Return on Equity (ROE) | 11.0914% | 1,756 |
| Retained earnings to average equity (ytd only) | 7.7047% | 1,490 |
| Net charge-offs to loans | 0.1029% | 2,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 38.1896% | 1,169 |
| Efficiency ratio | 57.2267% | 5,539 |
| Assets per employee ($millions) | 4.6257% | 2,774 |
| Cash dividends to net income (ytd only)* | 30.5344% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 1,830 |
| Loan loss allowance to noncurrent loans | 46.0674% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 1.6776% | 1,805 |
| Noncurrent loans to loans | 3.7940% | 589 |
| Net loans and leases to total assets | 39.8616% | 5,823 |
| Net loans and leases to deposits | 45.7967% | 5,875 |
| Net loans and leases to core deposits | 46.6518% | 5,935 |
| Total domestic deposits to total assets | 87.0404% | 2,300 |
| Equity capital to assets | 11.8671% | 2,178 |
| Core capital (leverage) ratio | 11.3153% | 2,203 |
| Tier 1 risk-based capital ratio | 19.0147% | 1,902 |
| Total risk-based capital ratio | 20.2420% | 1,876 |
| Memoranda: | ||
| Average total assets | $69,395,750 | 5,363 |
| Average earning assets | $61,630,750 | 5,415 |
| Average equity | $7,873,750 | 5,270 |
| Average total loans | $27,205,500 | 5,743 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 3,801 |
| Cost of funding earning assets | 0.4986% | 2,852 |
| Net interest margin | 3.4839% | 3,843 |
| Noninterest income to average assets | 0.4582% | 3,803 |
| Noninterest expense to average assets | 2.0404% | 5,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2507% | 1,445 |
| Return on assets (ROA) | 1.2507% | 1,506 |
| Pretax return on assets | 1.5187% | 1,484 |
| Return on Equity (ROE) | 11.1947% | 1,669 |
| Retained earnings to average equity (ytd only) | 11.1947% | 513 |
| Net charge-offs to loans | 0.0595% | 3,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 65.8750% | 757 |
| Efficiency ratio | 57.3279% | 5,627 |
| Assets per employee ($millions) | 4.5260% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 1,840 |
| Loan loss allowance to noncurrent loans | 41.7701% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 1.7838% | 1,815 |
| Noncurrent loans to loans | 4.3095% | 523 |
| Net loans and leases to total assets | 40.5789% | 5,781 |
| Net loans and leases to deposits | 46.7487% | 5,841 |
| Net loans and leases to core deposits | 47.2344% | 5,943 |
| Total domestic deposits to total assets | 86.8022% | 2,577 |
| Equity capital to assets | 11.9664% | 2,014 |
| Core capital (leverage) ratio | 11.4417% | 2,057 |
| Tier 1 risk-based capital ratio | 19.3328% | 1,846 |
| Total risk-based capital ratio | 20.5838% | 1,805 |
| Memoranda: | ||
| Average total assets | $69,399,330 | 5,413 |
| Average earning assets | $61,769,000 | 5,463 |
| Average equity | $7,753,670 | 5,325 |
| Average total loans | $26,890,670 | 5,805 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9193% | 4,011 |
| Cost of funding earning assets | 0.5286% | 2,620 |
| Net interest margin | 3.3907% | 4,161 |
| Noninterest income to average assets | 0.4561% | 3,740 |
| Noninterest expense to average assets | 1.9899% | 5,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2145% | 1,447 |
| Return on assets (ROA) | 1.2145% | 1,504 |
| Pretax return on assets | 1.4653% | 1,531 |
| Return on Equity (ROE) | 11.2572% | 1,612 |
| Retained earnings to average equity (ytd only) | 11.2572% | 710 |
| Net charge-offs to loans | -0.1216% | 6,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5908% | 5,691 |
| Assets per employee ($millions) | 4.4681% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9660% | 1,583 |
| Loan loss allowance to noncurrent loans | 51.0784% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 1.5264% | 2,317 |
| Noncurrent loans to loans | 3.8491% | 715 |
| Net loans and leases to total assets | 38.7625% | 5,891 |
| Net loans and leases to deposits | 44.9005% | 5,923 |
| Net loans and leases to core deposits | 45.6396% | 6,008 |
| Total domestic deposits to total assets | 86.3297% | 3,194 |
| Equity capital to assets | 11.5755% | 2,183 |
| Core capital (leverage) ratio | 11.0786% | 2,322 |
| Tier 1 risk-based capital ratio | 19.5259% | 1,828 |
| Total risk-based capital ratio | 20.7772% | 1,800 |
| Memoranda: | ||
| Average total assets | $70,154,000 | 5,438 |
| Average earning assets | $62,052,500 | 5,502 |
| Average equity | $7,568,500 | 5,407 |
| Average total loans | $26,309,000 | 5,879 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 4,064 |
| Cost of funding earning assets | 0.5834% | 2,799 |
| Net interest margin | 3.4240% | 4,186 |
| Noninterest income to average assets | 0.4883% | 3,828 |
| Noninterest expense to average assets | 2.0256% | 5,980 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2422% | 1,417 |
| Return on assets (ROA) | 1.2422% | 1,475 |
| Pretax return on assets | 1.5107% | 1,411 |
| Return on Equity (ROE) | 10.9059% | 1,797 |
| Retained earnings to average equity (ytd only) | 3.1345% | 4,007 |
| Net charge-offs to loans | 0.1514% | 3,289 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 26.9474% | 1,281 |
| Efficiency ratio | 57.2799% | 5,818 |
| Assets per employee ($millions) | 4.8858% | 2,326 |
| Cash dividends to net income (ytd only)* | 71.2589% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9642% | 1,637 |
| Loan loss allowance to noncurrent loans | 57.9007% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.2130% | 2,972 |
| Noncurrent loans to loans | 3.3923% | 947 |
| Net loans and leases to total assets | 34.9380% | 6,247 |
| Net loans and leases to deposits | 39.2661% | 6,329 |
| Net loans and leases to core deposits | 40.1508% | 6,358 |
| Total domestic deposits to total assets | 88.9776% | 1,648 |
| Equity capital to assets | 10.0686% | 3,673 |
| Core capital (leverage) ratio | 10.2116% | 3,278 |
| Tier 1 risk-based capital ratio | 18.7291% | 2,001 |
| Total risk-based capital ratio | 19.9807% | 1,960 |
| Memoranda: | ||
| Average total assets | $67,782,200 | 5,547 |
| Average earning assets | $60,339,200 | 5,581 |
| Average equity | $7,720,600 | 5,411 |
| Average total loans | $25,094,800 | 5,982 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 4,114 |
| Cost of funding earning assets | 0.5968% | 2,838 |
| Net interest margin | 3.4080% | 4,254 |
| Noninterest income to average assets | 0.5060% | 3,763 |
| Noninterest expense to average assets | 2.0600% | 5,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2288% | 1,536 |
| Return on assets (ROA) | 1.2288% | 1,609 |
| Pretax return on assets | 1.4958% | 1,624 |
| Return on Equity (ROE) | 10.4532% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.4532% | 697 |
| Net charge-offs to loans | 0.2093% | 2,571 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 19.1021% | 1,643 |
| Efficiency ratio | 57.9334% | 5,694 |
| Assets per employee ($millions) | 4.7330% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9372% | 1,894 |
| Loan loss allowance to noncurrent loans | 67.3684% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 1.2043% | 3,240 |
| Noncurrent loans to loans | 2.8755% | 1,430 |
| Net loans and leases to total assets | 39.1144% | 6,098 |
| Net loans and leases to deposits | 44.7518% | 6,171 |
| Net loans and leases to core deposits | 45.8904% | 6,216 |
| Total domestic deposits to total assets | 87.4030% | 2,460 |
| Equity capital to assets | 11.6779% | 2,146 |
| Core capital (leverage) ratio | 11.7750% | 1,835 |
| Tier 1 risk-based capital ratio | 20.3274% | 1,647 |
| Total risk-based capital ratio | 21.5786% | 1,620 |
| Memoranda: | ||
| Average total assets | $66,406,000 | 5,637 |
| Average earning assets | $59,427,750 | 5,665 |
| Average equity | $7,806,000 | 5,447 |
| Average total loans | $24,839,000 | 6,050 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0177% | 4,038 |
| Cost of funding earning assets | 0.6109% | 2,839 |
| Net interest margin | 3.4068% | 4,168 |
| Noninterest income to average assets | 0.4996% | 3,839 |
| Noninterest expense to average assets | 2.0616% | 5,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2189% | 1,541 |
| Return on assets (ROA) | 1.2189% | 1,644 |
| Pretax return on assets | 1.4928% | 1,634 |
| Return on Equity (ROE) | 10.3466% | 2,064 |
| Retained earnings to average equity (ytd only) | 10.3466% | 771 |
| Net charge-offs to loans | 0.2139% | 2,482 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 19.0769% | 1,522 |
| Efficiency ratio | 58.0017% | 5,734 |
| Assets per employee ($millions) | 4.5549% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0488% | 1,745 |
| Loan loss allowance to noncurrent loans | 130.5970% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 4,646 |
| Noncurrent loans to loans | 1.5688% | 2,957 |
| Net loans and leases to total assets | 39.3608% | 6,084 |
| Net loans and leases to deposits | 45.3552% | 6,146 |
| Net loans and leases to core deposits | 46.5651% | 6,210 |
| Total domestic deposits to total assets | 86.7835% | 2,952 |
| Equity capital to assets | 12.2724% | 1,725 |
| Core capital (leverage) ratio | 11.5720% | 1,877 |
| Tier 1 risk-based capital ratio | 21.1165% | 1,466 |
| Total risk-based capital ratio | 22.3694% | 1,436 |
| Memoranda: | ||
| Average total assets | $66,454,000 | 5,671 |
| Average earning assets | $59,586,330 | 5,707 |
| Average equity | $7,828,670 | 5,473 |
| Average total loans | $24,308,670 | 6,105 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 4,396 |
| Cost of funding earning assets | 0.6229% | 2,897 |
| Net interest margin | 3.3000% | 4,518 |
| Noninterest income to average assets | 0.4897% | 3,847 |
| Noninterest expense to average assets | 2.0532% | 6,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1505% | 1,672 |
| Return on assets (ROA) | 1.1505% | 1,776 |
| Pretax return on assets | 1.3747% | 1,945 |
| Return on Equity (ROE) | 9.9617% | 2,074 |
| Retained earnings to average equity (ytd only) | 9.9617% | 1,113 |
| Net charge-offs to loans | -0.0507% | 6,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8967% | 5,600 |
| Assets per employee ($millions) | 4.3945% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2379% | 1,507 |
| Loan loss allowance to noncurrent loans | 97.8799% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.8662% | 4,219 |
| Noncurrent loans to loans | 2.2864% | 2,285 |
| Net loans and leases to total assets | 36.7138% | 6,246 |
| Net loans and leases to deposits | 42.4616% | 6,290 |
| Net loans and leases to core deposits | 43.5599% | 6,335 |
| Total domestic deposits to total assets | 86.4635% | 3,264 |
| Equity capital to assets | 11.9421% | 2,077 |
| Core capital (leverage) ratio | 11.1049% | 2,172 |
| Tier 1 risk-based capital ratio | 21.5194% | 1,421 |
| Total risk-based capital ratio | 22.7736% | 1,393 |
| Memoranda: | ||
| Average total assets | $67,796,500 | 5,692 |
| Average earning assets | $60,364,500 | 5,739 |
| Average equity | $7,830,000 | 5,530 |
| Average total loans | $23,650,500 | 6,194 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 4,843 |
| Cost of funding earning assets | 0.7192% | 3,334 |
| Net interest margin | 3.4104% | 4,844 |
| Noninterest income to average assets | 0.4984% | 3,917 |
| Noninterest expense to average assets | 1.9192% | 6,469 |
| Loan and lease loss provision to assets | 0.1428% | 3,822 |
| Net operating income to assets | 1.2484% | 1,453 |
| Return on assets (ROA) | 1.3152% | 1,400 |
| Pretax return on assets | 1.6122% | 1,350 |
| Return on Equity (ROE) | 11.6053% | 1,622 |
| Retained earnings to average equity (ytd only) | 1.5247% | 5,107 |
| Net charge-offs to loans | 0.1899% | 3,858 |
| Credit loss provision to net charge-offs | 212.7660% | 1,196 |
| Earnings coverage of net charge-offs (x) | 24.9362% | 1,155 |
| Efficiency ratio | 53.4181% | 6,331 |
| Assets per employee ($millions) | 4.3547% | 3,249 |
| Cash dividends to net income (ytd only)* | 86.8621% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4439% | 1,186 |
| Loan loss allowance to noncurrent loans | 88.8710% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8970% | 4,252 |
| Noncurrent loans to loans | 2.7499% | 1,923 |
| Net loans and leases to total assets | 31.5680% | 6,645 |
| Net loans and leases to deposits | 36.3668% | 6,671 |
| Net loans and leases to core deposits | 37.7383% | 6,685 |
| Total domestic deposits to total assets | 86.8044% | 2,930 |
| Equity capital to assets | 11.1776% | 2,758 |
| Core capital (leverage) ratio | 10.0607% | 3,328 |
| Tier 1 risk-based capital ratio | 21.8638% | 1,288 |
| Total risk-based capital ratio | 23.1201% | 1,257 |
| Memoranda: | ||
| Average total assets | $70,029,200 | 5,628 |
| Average earning assets | $63,541,800 | 5,621 |
| Average equity | $7,936,000 | 5,524 |
| Average total loans | $24,746,600 | 6,208 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1456% | 5,013 |
| Cost of funding earning assets | 0.7394% | 3,440 |
| Net interest margin | 3.4062% | 5,017 |
| Noninterest income to average assets | 0.4944% | 3,965 |
| Noninterest expense to average assets | 1.9795% | 6,384 |
| Loan and lease loss provision to assets | 0.0856% | 4,536 |
| Net operating income to assets | 1.2603% | 1,541 |
| Return on assets (ROA) | 1.2664% | 1,687 |
| Pretax return on assets | 1.5554% | 1,710 |
| Return on Equity (ROE) | 11.1373% | 1,910 |
| Retained earnings to average equity (ytd only) | 7.7928% | 1,706 |
| Net charge-offs to loans | 0.0474% | 4,990 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 95.4417% | 440 |
| Efficiency ratio | 54.7895% | 6,163 |
| Assets per employee ($millions) | 4.6083% | 2,735 |
| Cash dividends to net income (ytd only)* | 30.0300% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0171% | 2,118 |
| Loan loss allowance to noncurrent loans | 85.1675% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 4,402 |
| Noncurrent loans to loans | 2.3685% | 2,435 |
| Net loans and leases to total assets | 37.5248% | 6,446 |
| Net loans and leases to deposits | 43.7354% | 6,522 |
| Net loans and leases to core deposits | 46.8179% | 6,475 |
| Total domestic deposits to total assets | 85.7996% | 3,362 |
| Equity capital to assets | 11.9378% | 2,316 |
| Core capital (leverage) ratio | 10.4760% | 2,941 |
| Tier 1 risk-based capital ratio | 20.9453% | 1,540 |
| Total risk-based capital ratio | 22.1982% | 1,502 |
| Memoranda: | ||
| Average total assets | $70,117,750 | 5,697 |
| Average earning assets | $64,195,750 | 5,666 |
| Average equity | $7,973,000 | 5,565 |
| Average total loans | $25,296,750 | 6,260 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 5,264 |
| Cost of funding earning assets | 0.7625% | 3,496 |
| Net interest margin | 3.3525% | 5,259 |
| Noninterest income to average assets | 0.4911% | 3,976 |
| Noninterest expense to average assets | 1.9958% | 6,442 |
| Loan and lease loss provision to assets | 0.0852% | 4,525 |
| Net operating income to assets | 1.2228% | 1,633 |
| Return on assets (ROA) | 1.2321% | 1,795 |
| Pretax return on assets | 1.5046% | 1,836 |
| Return on Equity (ROE) | 11.0152% | 1,990 |
| Retained earnings to average equity (ytd only) | 11.0152% | 743 |
| Net charge-offs to loans | 0.0080% | 5,362 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 556.0000% | 71 |
| Efficiency ratio | 55.8380% | 6,132 |
| Assets per employee ($millions) | 4.2692% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0044% | 2,214 |
| Loan loss allowance to noncurrent loans | 148.8701% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 5,447 |
| Noncurrent loans to loans | 1.3464% | 3,909 |
| Net loans and leases to total assets | 37.7194% | 6,505 |
| Net loans and leases to deposits | 43.9069% | 6,559 |
| Net loans and leases to core deposits | 47.0370% | 6,513 |
| Total domestic deposits to total assets | 85.9077% | 3,399 |
| Equity capital to assets | 11.9109% | 2,211 |
| Core capital (leverage) ratio | 10.7509% | 2,540 |
| Tier 1 risk-based capital ratio | 18.0079% | 2,286 |
| Total risk-based capital ratio | 19.2592% | 2,258 |
| Memoranda: | ||
| Average total assets | $70,448,670 | 5,723 |
| Average earning assets | $64,787,670 | 5,681 |
| Average equity | $7,880,000 | 5,608 |
| Average total loans | $24,904,670 | 6,325 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 5,610 |
| Cost of funding earning assets | 0.7878% | 3,565 |
| Net interest margin | 3.2604% | 5,607 |
| Noninterest income to average assets | 0.4586% | 4,234 |
| Noninterest expense to average assets | 1.9519% | 6,551 |
| Loan and lease loss provision to assets | 0.0839% | 4,334 |
| Net operating income to assets | 1.1729% | 1,813 |
| Return on assets (ROA) | 1.1913% | 1,946 |
| Pretax return on assets | 1.4541% | 2,009 |
| Return on Equity (ROE) | 10.9907% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.9907% | 1,028 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2903% | 6,093 |
| Assets per employee ($millions) | 4.5069% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0651% | 2,183 |
| Loan loss allowance to noncurrent loans | 104.2683% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 5,077 |
| Noncurrent loans to loans | 1.9805% | 3,185 |
| Net loans and leases to total assets | 35.9875% | 6,616 |
| Net loans and leases to deposits | 41.6914% | 6,675 |
| Net loans and leases to core deposits | 45.8104% | 6,580 |
| Total domestic deposits to total assets | 86.3189% | 3,351 |
| Equity capital to assets | 11.5614% | 2,386 |
| Core capital (leverage) ratio | 10.0554% | 3,303 |
| Tier 1 risk-based capital ratio | 18.0166% | 2,282 |
| Total risk-based capital ratio | 19.2668% | 2,255 |
| Memoranda: | ||
| Average total assets | $71,519,500 | 5,728 |
| Average earning assets | $66,003,500 | 5,685 |
| Average equity | $7,752,000 | 5,673 |
| Average total loans | $24,211,000 | 6,412 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 5,364 |
| Cost of funding earning assets | 0.9403% | 3,784 |
| Net interest margin | 3.4734% | 5,243 |
| Noninterest income to average assets | 0.4377% | 4,316 |
| Noninterest expense to average assets | 2.0870% | 6,518 |
| Loan and lease loss provision to assets | 0.1449% | 4,803 |
| Net operating income to assets | 1.2290% | 1,433 |
| Return on assets (ROA) | 1.2290% | 1,537 |
| Pretax return on assets | 1.4073% | 1,763 |
| Return on Equity (ROE) | 11.3603% | 1,599 |
| Retained earnings to average equity (ytd only) | 3.3223% | 3,859 |
| Net charge-offs to loans | 0.0499% | 5,815 |
| Credit loss provision to net charge-offs | 769.2308% | 285 |
| Earnings coverage of net charge-offs (x) | 82.3846% | 355 |
| Efficiency ratio | 57.3477% | 6,139 |
| Assets per employee ($millions) | 5.0290% | 2,153 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1120% | 1,975 |
| Loan loss allowance to noncurrent loans | 93.2584% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7795% | 5,077 |
| Noncurrent loans to loans | 2.2646% | 2,882 |
| Net loans and leases to total assets | 30.5985% | 6,991 |
| Net loans and leases to deposits | 35.4209% | 7,014 |
| Net loans and leases to core deposits | 38.3626% | 6,992 |
| Total domestic deposits to total assets | 86.3856% | 3,089 |
| Equity capital to assets | 10.1916% | 3,918 |
| Core capital (leverage) ratio | 9.1071% | 4,605 |
| Tier 1 risk-based capital ratio | 17.3107% | 2,461 |
| Total risk-based capital ratio | 18.5597% | 2,436 |
| Memoranda: | ||
| Average total assets | $68,998,800 | 5,775 |
| Average earning assets | $63,596,800 | 5,749 |
| Average equity | $7,464,600 | 5,728 |
| Average total loans | $26,070,000 | 6,350 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5619% | 5,029 |
| Cost of funding earning assets | 0.9799% | 3,819 |
| Net interest margin | 3.5821% | 4,842 |
| Noninterest income to average assets | 0.4452% | 4,329 |
| Noninterest expense to average assets | 2.0576% | 6,578 |
| Loan and lease loss provision to assets | 0.0791% | 5,456 |
| Net operating income to assets | 1.2959% | 1,387 |
| Return on assets (ROA) | 1.2959% | 1,485 |
| Pretax return on assets | 1.6065% | 1,371 |
| Return on Equity (ROE) | 11.7875% | 1,597 |
| Retained earnings to average equity (ytd only) | 11.7875% | 518 |
| Net charge-offs to loans | 0.0100% | 6,018 |
| Credit loss provision to net charge-offs | 2,000.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 425.4569% | 86 |
| Efficiency ratio | 54.9683% | 6,389 |
| Assets per employee ($millions) | 4.7873% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 3,543 |
| Loan loss allowance to noncurrent loans | 84.0824% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8300% | 5,108 |
| Noncurrent loans to loans | 1.9347% | 3,454 |
| Net loans and leases to total assets | 37.8109% | 6,779 |
| Net loans and leases to deposits | 44.9447% | 6,794 |
| Net loans and leases to core deposits | 53.4309% | 6,490 |
| Total domestic deposits to total assets | 84.1276% | 4,172 |
| Equity capital to assets | 11.2352% | 2,931 |
| Core capital (leverage) ratio | 10.6905% | 2,675 |
| Tier 1 risk-based capital ratio | 17.2759% | 2,536 |
| Total risk-based capital ratio | 18.3515% | 2,564 |
| Memoranda: | ||
| Average total assets | $67,389,750 | 5,858 |
| Average earning assets | $62,048,250 | 5,842 |
| Average equity | $7,408,750 | 5,780 |
| Average total loans | $26,692,500 | 6,376 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 4,782 |
| Cost of funding earning assets | 1.0307% | 3,741 |
| Net interest margin | 3.6124% | 4,671 |
| Noninterest income to average assets | 0.4491% | 4,292 |
| Noninterest expense to average assets | 2.1573% | 6,491 |
| Loan and lease loss provision to assets | 0.0759% | 5,363 |
| Net operating income to assets | 1.2652% | 1,408 |
| Return on assets (ROA) | 1.2652% | 1,471 |
| Pretax return on assets | 1.5444% | 1,390 |
| Return on Equity (ROE) | 11.6011% | 1,607 |
| Retained earnings to average equity (ytd only) | 11.6011% | 578 |
| Net charge-offs to loans | -0.0303% | 6,922 |
| Credit loss provision to net charge-offs | -625.0000% | 6,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1084% | 6,281 |
| Assets per employee ($millions) | 4.1208% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5780% | 3,791 |
| Loan loss allowance to noncurrent loans | 103.0445% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 5,503 |
| Noncurrent loans to loans | 1.5314% | 4,120 |
| Net loans and leases to total assets | 41.6232% | 6,619 |
| Net loans and leases to deposits | 49.2932% | 6,651 |
| Net loans and leases to core deposits | 57.8893% | 6,280 |
| Total domestic deposits to total assets | 84.4400% | 4,150 |
| Equity capital to assets | 11.5331% | 2,473 |
| Core capital (leverage) ratio | 10.5606% | 2,651 |
| Tier 1 risk-based capital ratio | 17.1452% | 2,462 |
| Total risk-based capital ratio | 18.2270% | 2,502 |
| Memoranda: | ||
| Average total assets | $65,916,330 | 5,963 |
| Average earning assets | $60,735,670 | 5,929 |
| Average equity | $7,189,000 | 5,871 |
| Average total loans | $26,389,670 | 6,460 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5729% | 5,060 |
| Cost of funding earning assets | 1.0522% | 3,839 |
| Net interest margin | 3.5207% | 4,914 |
| Noninterest income to average assets | 0.4491% | 4,296 |
| Noninterest expense to average assets | 2.1909% | 6,442 |
| Loan and lease loss provision to assets | 0.0607% | 5,241 |
| Net operating income to assets | 1.1895% | 1,550 |
| Return on assets (ROA) | 1.1895% | 1,596 |
| Pretax return on assets | 1.4262% | 1,655 |
| Return on Equity (ROE) | 11.2297% | 1,663 |
| Retained earnings to average equity (ytd only) | 11.2297% | 853 |
| Net charge-offs to loans | -0.0936% | 7,069 |
| Credit loss provision to net charge-offs | -166.6667% | 5,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5710% | 6,045 |
| Assets per employee ($millions) | 4.5032% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 3,781 |
| Loan loss allowance to noncurrent loans | 172.1774% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 6,151 |
| Noncurrent loans to loans | 0.9224% | 5,189 |
| Net loans and leases to total assets | 39.1721% | 6,841 |
| Net loans and leases to deposits | 44.9595% | 6,916 |
| Net loans and leases to core deposits | 50.7033% | 6,746 |
| Total domestic deposits to total assets | 87.1277% | 2,874 |
| Equity capital to assets | 10.5984% | 3,083 |
| Core capital (leverage) ratio | 10.3224% | 2,781 |
| Tier 1 risk-based capital ratio | 16.9070% | 2,514 |
| Total risk-based capital ratio | 17.9761% | 2,548 |
| Memoranda: | ||
| Average total assets | $65,908,500 | 5,994 |
| Average earning assets | $60,442,500 | 5,980 |
| Average equity | $6,981,500 | 5,932 |
| Average total loans | $25,643,000 | 6,549 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9222% | 4,912 |
| Cost of funding earning assets | 1.2409% | 4,277 |
| Net interest margin | 3.6813% | 4,438 |
| Noninterest income to average assets | 0.3694% | 5,145 |
| Noninterest expense to average assets | 2.1837% | 6,658 |
| Loan and lease loss provision to assets | 0.1565% | 5,638 |
| Net operating income to assets | 1.1161% | 1,655 |
| Return on assets (ROA) | 1.1161% | 1,736 |
| Pretax return on assets | 1.3728% | 1,730 |
| Return on Equity (ROE) | 9.9720% | 1,935 |
| Retained earnings to average equity (ytd only) | 1.5804% | 4,735 |
| Net charge-offs to loans | 0.2271% | 4,925 |
| Credit loss provision to net charge-offs | 172.4138% | 1,958 |
| Earnings coverage of net charge-offs (x) | 16.8448% | 1,185 |
| Efficiency ratio | 58.8111% | 6,232 |
| Assets per employee ($millions) | 4.2846% | 3,241 |
| Cash dividends to net income (ytd only)* | 84.1515% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 3,273 |
| Loan loss allowance to noncurrent loans | 123.7952% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 5,723 |
| Noncurrent loans to loans | 1.3607% | 4,443 |
| Net loans and leases to total assets | 37.3244% | 7,099 |
| Net loans and leases to deposits | 42.9362% | 7,151 |
| Net loans and leases to core deposits | 45.7743% | 7,148 |
| Total domestic deposits to total assets | 86.9299% | 2,868 |
| Equity capital to assets | 10.5868% | 3,078 |
| Core capital (leverage) ratio | 9.7304% | 3,397 |
| Tier 1 risk-based capital ratio | 17.6958% | 2,092 |
| Total risk-based capital ratio | 18.8050% | 2,118 |
| Memoranda: | ||
| Average total assets | $63,882,600 | 6,064 |
| Average earning assets | $58,022,800 | 6,064 |
| Average equity | $7,150,000 | 5,981 |
| Average total loans | $25,533,800 | 6,637 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9671% | 4,962 |
| Cost of funding earning assets | 1.2770% | 4,388 |
| Net interest margin | 3.6901% | 4,458 |
| Noninterest income to average assets | 0.3951% | 5,000 |
| Noninterest expense to average assets | 2.1948% | 6,617 |
| Loan and lease loss provision to assets | 0.1881% | 5,162 |
| Net operating income to assets | 1.0786% | 1,972 |
| Return on assets (ROA) | 1.0786% | 2,079 |
| Pretax return on assets | 1.3524% | 2,028 |
| Return on Equity (ROE) | 9.5071% | 2,318 |
| Retained earnings to average equity (ytd only) | 9.5071% | 911 |
| Net charge-offs to loans | 0.2995% | 4,167 |
| Credit loss provision to net charge-offs | 155.1724% | 2,470 |
| Earnings coverage of net charge-offs (x) | 12.7071% | 1,660 |
| Efficiency ratio | 58.7577% | 6,153 |
| Assets per employee ($millions) | 4.2893% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 3,929 |
| Loan loss allowance to noncurrent loans | 53.2537% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.3149% | 4,516 |
| Noncurrent loans to loans | 2.8280% | 2,824 |
| Net loans and leases to total assets | 40.7616% | 7,037 |
| Net loans and leases to deposits | 47.6317% | 7,102 |
| Net loans and leases to core deposits | 55.9237% | 6,864 |
| Total domestic deposits to total assets | 85.5766% | 3,308 |
| Equity capital to assets | 11.7920% | 2,289 |
| Core capital (leverage) ratio | 10.8421% | 2,380 |
| Tier 1 risk-based capital ratio | 18.5437% | 1,860 |
| Total risk-based capital ratio | 19.6121% | 1,875 |
| Memoranda: | ||
| Average total assets | $63,786,000 | 6,137 |
| Average earning assets | $57,738,500 | 6,137 |
| Average equity | $7,236,500 | 6,033 |
| Average total loans | $25,817,500 | 6,711 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9439% | 5,206 |
| Cost of funding earning assets | 1.3017% | 4,529 |
| Net interest margin | 3.6421% | 4,623 |
| Noninterest income to average assets | 0.4811% | 4,278 |
| Noninterest expense to average assets | 2.2044% | 6,636 |
| Loan and lease loss provision to assets | 0.1887% | 4,990 |
| Net operating income to assets | 1.1069% | 1,831 |
| Return on assets (ROA) | 1.1069% | 1,903 |
| Pretax return on assets | 1.3962% | 1,849 |
| Return on Equity (ROE) | 9.8881% | 2,141 |
| Retained earnings to average equity (ytd only) | 9.8881% | 869 |
| Net charge-offs to loans | 0.4384% | 3,232 |
| Credit loss provision to net charge-offs | 107.1429% | 3,802 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,065 |
| Efficiency ratio | 58.1743% | 6,357 |
| Assets per employee ($millions) | 4.1817% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 4,350 |
| Loan loss allowance to noncurrent loans | 74.0079% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0841% | 4,963 |
| Noncurrent loans to loans | 1.9138% | 3,850 |
| Net loans and leases to total assets | 41.3895% | 7,074 |
| Net loans and leases to deposits | 48.3491% | 7,151 |
| Net loans and leases to core deposits | 54.6189% | 7,010 |
| Total domestic deposits to total assets | 85.6056% | 3,311 |
| Equity capital to assets | 11.7543% | 2,241 |
| Core capital (leverage) ratio | 10.7094% | 2,457 |
| Tier 1 risk-based capital ratio | 18.5815% | 1,813 |
| Total risk-based capital ratio | 19.6014% | 1,841 |
| Memoranda: | ||
| Average total assets | $63,601,330 | 6,189 |
| Average earning assets | $57,768,670 | 6,180 |
| Average equity | $7,119,670 | 6,104 |
| Average total loans | $25,547,670 | 6,771 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 5,570 |
| Cost of funding earning assets | 1.3090% | 4,765 |
| Net interest margin | 3.5688% | 4,858 |
| Noninterest income to average assets | 0.3998% | 4,921 |
| Noninterest expense to average assets | 2.1862% | 6,722 |
| Loan and lease loss provision to assets | 0.1874% | 4,632 |
| Net operating income to assets | 1.0244% | 2,095 |
| Return on assets (ROA) | 1.0244% | 2,156 |
| Pretax return on assets | 1.2617% | 2,167 |
| Return on Equity (ROE) | 9.3808% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.3808% | 1,299 |
| Net charge-offs to loans | 0.5566% | 2,413 |
| Credit loss provision to net charge-offs | 85.7143% | 3,752 |
| Earnings coverage of net charge-offs (x) | 6.6286% | 2,195 |
| Efficiency ratio | 60.1375% | 6,147 |
| Assets per employee ($millions) | 4.1796% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 4,129 |
| Loan loss allowance to noncurrent loans | 72.0792% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 5,247 |
| Noncurrent loans to loans | 2.0266% | 3,752 |
| Net loans and leases to total assets | 39.1664% | 7,298 |
| Net loans and leases to deposits | 45.4933% | 7,347 |
| Net loans and leases to core deposits | 51.8760% | 7,212 |
| Total domestic deposits to total assets | 86.0928% | 3,101 |
| Equity capital to assets | 11.3105% | 2,493 |
| Core capital (leverage) ratio | 10.2911% | 2,822 |
| Tier 1 risk-based capital ratio | 18.6719% | 1,799 |
| Total risk-based capital ratio | 19.7005% | 1,813 |
| Memoranda: | ||
| Average total assets | $64,039,000 | 6,243 |
| Average earning assets | $58,058,000 | 6,243 |
| Average equity | $6,993,000 | 6,191 |
| Average total loans | $25,154,000 | 6,872 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4684% | 4,338 |
| Cost of funding earning assets | 1.5792% | 5,135 |
| Net interest margin | 3.8892% | 3,313 |
| Noninterest income to average assets | 0.2227% | 6,521 |
| Noninterest expense to average assets | 2.2065% | 6,976 |
| Loan and lease loss provision to assets | 0.1423% | 6,218 |
| Net operating income to assets | 1.0511% | 1,663 |
| Return on assets (ROA) | 1.1736% | 1,361 |
| Pretax return on assets | 1.5252% | 1,126 |
| Return on Equity (ROE) | 10.3466% | 1,594 |
| Retained earnings to average equity (ytd only) | 2.9667% | 3,090 |
| Net charge-offs to loans | 0.0477% | 6,626 |
| Credit loss provision to net charge-offs | 653.8462% | 447 |
| Earnings coverage of net charge-offs (x) | 69.3077% | 391 |
| Efficiency ratio | 59.3961% | 6,573 |
| Assets per employee ($millions) | 4.3589% | 3,174 |
| Cash dividends to net income (ytd only)* | 71.3267% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 3,956 |
| Loan loss allowance to noncurrent loans | 105.1282% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5827% | 6,002 |
| Noncurrent loans to loans | 1.3825% | 4,610 |
| Net loans and leases to total assets | 38.2662% | 7,439 |
| Net loans and leases to deposits | 44.0237% | 7,516 |
| Net loans and leases to core deposits | 64.5145% | 7,062 |
| Total domestic deposits to total assets | 86.9219% | 2,552 |
| Equity capital to assets | 10.5454% | 3,135 |
| Core capital (leverage) ratio | 10.4147% | 2,674 |
| Tier 1 risk-based capital ratio | 17.8965% | 1,918 |
| Total risk-based capital ratio | 18.9213% | 1,938 |
| Memoranda: | ||
| Average total assets | $59,731,600 | 6,357 |
| Average earning assets | $53,635,800 | 6,390 |
| Average equity | $6,775,200 | 6,345 |
| Average total loans | $27,258,400 | 6,786 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5803% | 3,971 |
| Cost of funding earning assets | 1.6634% | 5,093 |
| Net interest margin | 3.9169% | 3,171 |
| Noninterest income to average assets | 0.1303% | 7,232 |
| Noninterest expense to average assets | 2.2771% | 6,764 |
| Loan and lease loss provision to assets | 0.1440% | 5,914 |
| Net operating income to assets | 0.9579% | 2,208 |
| Return on assets (ROA) | 1.0631% | 1,909 |
| Pretax return on assets | 1.3649% | 1,787 |
| Return on Equity (ROE) | 9.1914% | 2,193 |
| Retained earnings to average equity (ytd only) | 9.1914% | 796 |
| Net charge-offs to loans | 0.1491% | 5,218 |
| Credit loss provision to net charge-offs | 203.2258% | 2,191 |
| Earnings coverage of net charge-offs (x) | 19.3881% | 1,295 |
| Efficiency ratio | 62.3669% | 6,044 |
| Assets per employee ($millions) | 3.8477% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,144 |
| Loan loss allowance to noncurrent loans | 115.8451% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 6,097 |
| Noncurrent loans to loans | 1.0316% | 5,247 |
| Net loans and leases to total assets | 47.1299% | 7,025 |
| Net loans and leases to deposits | 57.8843% | 6,970 |
| Net loans and leases to core deposits | 90.9732% | 5,335 |
| Total domestic deposits to total assets | 81.4208% | 4,910 |
| Equity capital to assets | 12.4716% | 1,975 |
| Core capital (leverage) ratio | 11.5183% | 2,067 |
| Tier 1 risk-based capital ratio | 18.9395% | 1,758 |
| Total risk-based capital ratio | 19.8684% | 1,797 |
| Memoranda: | ||
| Average total assets | $58,318,500 | 6,455 |
| Average earning assets | $52,421,250 | 6,478 |
| Average equity | $6,745,250 | 6,410 |
| Average total loans | $27,725,750 | 6,809 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5665% | 4,240 |
| Cost of funding earning assets | 1.7564% | 4,967 |
| Net interest margin | 3.8100% | 3,514 |
| Noninterest income to average assets | 0.1059% | 7,447 |
| Noninterest expense to average assets | 2.2625% | 6,878 |
| Loan and lease loss provision to assets | 0.1299% | 5,802 |
| Net operating income to assets | 0.8885% | 2,499 |
| Return on assets (ROA) | 1.0458% | 2,027 |
| Pretax return on assets | 1.3329% | 1,926 |
| Return on Equity (ROE) | 9.2807% | 2,263 |
| Retained earnings to average equity (ytd only) | 9.2807% | 870 |
| Net charge-offs to loans | 0.2303% | 4,058 |
| Credit loss provision to net charge-offs | 118.7500% | 3,919 |
| Earnings coverage of net charge-offs (x) | 11.5313% | 1,897 |
| Efficiency ratio | 64.2095% | 5,873 |
| Assets per employee ($millions) | 3.6146% | 4,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 5,714 |
| Loan loss allowance to noncurrent loans | 132.8947% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 5,894 |
| Noncurrent loans to loans | 0.8148% | 5,594 |
| Net loans and leases to total assets | 47.8619% | 7,047 |
| Net loans and leases to deposits | 58.8235% | 6,972 |
| Net loans and leases to core deposits | 90.0602% | 5,531 |
| Total domestic deposits to total assets | 81.3653% | 4,937 |
| Equity capital to assets | 11.7061% | 2,381 |
| Core capital (leverage) ratio | 11.2772% | 2,213 |
| Tier 1 risk-based capital ratio | 18.2913% | 1,935 |
| Total risk-based capital ratio | 19.1378% | 1,988 |
| Memoranda: | ||
| Average total assets | $58,519,670 | 6,495 |
| Average earning assets | $52,493,000 | 6,530 |
| Average equity | $6,594,330 | 6,501 |
| Average total loans | $27,791,000 | 6,857 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5334% | 4,733 |
| Cost of funding earning assets | 1.9057% | 4,597 |
| Net interest margin | 3.6277% | 4,199 |
| Noninterest income to average assets | 0.2446% | 6,500 |
| Noninterest expense to average assets | 2.1542% | 6,997 |
| Loan and lease loss provision to assets | 0.1563% | 4,932 |
| Net operating income to assets | 0.8873% | 2,749 |
| Return on assets (ROA) | 1.1960% | 1,779 |
| Pretax return on assets | 1.5562% | 1,520 |
| Return on Equity (ROE) | 10.8199% | 2,022 |
| Retained earnings to average equity (ytd only) | 10.8199% | 1,002 |
| Net charge-offs to loans | 0.4044% | 2,485 |
| Credit loss provision to net charge-offs | 82.1429% | 4,161 |
| Earnings coverage of net charge-offs (x) | 6.8929% | 2,421 |
| Efficiency ratio | 62.1569% | 6,023 |
| Assets per employee ($millions) | 3.7738% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 5,669 |
| Loan loss allowance to noncurrent loans | 161.3260% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 5,430 |
| Noncurrent loans to loans | 0.6649% | 5,742 |
| Net loans and leases to total assets | 47.5719% | 7,057 |
| Net loans and leases to deposits | 55.5008% | 7,185 |
| Net loans and leases to core deposits | 81.5487% | 6,261 |
| Total domestic deposits to total assets | 85.7138% | 2,864 |
| Equity capital to assets | 11.7141% | 2,435 |
| Core capital (leverage) ratio | 11.0332% | 2,476 |
| Tier 1 risk-based capital ratio | 18.2641% | 1,989 |
| Total risk-based capital ratio | 19.0950% | 2,040 |
| Memoranda: | ||
| Average total assets | $58,863,000 | 6,511 |
| Average earning assets | $52,264,500 | 6,563 |
| Average equity | $6,506,500 | 6,583 |
| Average total loans | $27,695,000 | 6,900 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2697% | 4,129 |
| Cost of funding earning assets | 2.6050% | 3,667 |
| Net interest margin | 3.6647% | 4,622 |
| Noninterest income to average assets | 0.6363% | 3,588 |
| Noninterest expense to average assets | 2.2849% | 6,743 |
| Loan and lease loss provision to assets | 0.1446% | 5,507 |
| Net operating income to assets | 1.2003% | 1,764 |
| Return on assets (ROA) | 1.2003% | 1,699 |
| Pretax return on assets | 1.4823% | 1,733 |
| Return on Equity (ROE) | 10.3247% | 2,149 |
| Retained earnings to average equity (ytd only) | 0.9951% | 4,630 |
| Net charge-offs to loans | 0.1575% | 4,624 |
| Credit loss provision to net charge-offs | 173.9130% | 2,930 |
| Earnings coverage of net charge-offs (x) | 19.5652% | 1,624 |
| Efficiency ratio | 58.4104% | 6,619 |
| Assets per employee ($millions) | 4.0746% | 3,356 |
| Cash dividends to net income (ytd only)* | 90.3614% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 5,588 |
| Loan loss allowance to noncurrent loans | 218.3824% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 5,436 |
| Noncurrent loans to loans | 0.4828% | 5,896 |
| Net loans and leases to total assets | 45.6028% | 7,363 |
| Net loans and leases to deposits | 54.5248% | 7,404 |
| Net loans and leases to core deposits | 78.6012% | 6,716 |
| Total domestic deposits to total assets | 83.6368% | 3,512 |
| Equity capital to assets | 10.4419% | 3,568 |
| Core capital (leverage) ratio | 10.6863% | 2,835 |
| Tier 1 risk-based capital ratio | 16.8207% | 2,375 |
| Total risk-based capital ratio | 17.6211% | 2,469 |
| Memoranda: | ||
| Average total assets | $55,319,000 | 6,560 |
| Average earning assets | $49,444,200 | 6,618 |
| Average equity | $6,431,200 | 6,665 |
| Average total loans | $29,210,000 | 6,759 |