Home > Bank of Holland > Performance and Condition Ratios
Bank of Holland, 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 | 4.2317% | 3,572 |
| Cost of funding earning assets | 0.8193% | 3,682 |
| Net interest margin | 3.4124% | 2,380 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.5991% | 2,001 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8622% | 2,666 |
| Return on assets (ROA) | 0.8622% | 2,640 |
| Pretax return on assets | 1.0212% | 2,611 |
| Return on Equity (ROE) | 13.5900% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.1716% | 755 |
| Net charge-offs to loans | -0.0059% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.3226% | 1,725 |
| Assets per employee ($millions) | 5.9829% | 2,840 |
| Cash dividends to net income (ytd only)* | 17.8002% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 3,492 |
| Loan loss allowance to noncurrent loans | 319.8770% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 2,119 |
| Noncurrent loans to loans | 0.3000% | 2,106 |
| Net loans and leases to total assets | 72.7900% | 1,490 |
| Net loans and leases to deposits | 80.3351% | 2,072 |
| Net loans and leases to core deposits | 87.3414% | 2,222 |
| Total domestic deposits to total assets | 90.6000% | 604 |
| Equity capital to assets | 6.7576% | 4,027 |
| Core capital (leverage) ratio | 8.1182% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0584% | 1,849 |
| Memoranda: | ||
| Average total assets | $218,272,000 | 2,854 |
| Average earning assets | $210,412,000 | 2,805 |
| Average equity | $13,847,600 | 3,357 |
| Average total loans | $153,145,600 | 2,651 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 3,606 |
| Cost of funding earning assets | 0.7136% | 3,737 |
| Net interest margin | 3.4133% | 2,423 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.4472% | 2,383 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.9845% | 2,413 |
| Return on assets (ROA) | 0.9845% | 2,402 |
| Pretax return on assets | 1.1660% | 2,373 |
| Return on Equity (ROE) | 15.7800% | 1,295 |
| Retained earnings to average equity (ytd only) | 12.4882% | 887 |
| Net charge-offs to loans | -0.0097% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.1715% | 2,117 |
| Assets per employee ($millions) | 6.1743% | 2,591 |
| Cash dividends to net income (ytd only)* | 20.8593% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 3,422 |
| Loan loss allowance to noncurrent loans | 334.0471% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 2,209 |
| Noncurrent loans to loans | 0.2960% | 2,179 |
| Net loans and leases to total assets | 70.2700% | 1,794 |
| Net loans and leases to deposits | 75.0727% | 2,491 |
| Net loans and leases to core deposits | 81.5897% | 2,497 |
| Total domestic deposits to total assets | 93.6000% | 228 |
| Equity capital to assets | 6.0236% | 3,979 |
| Core capital (leverage) ratio | 7.9096% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1037% | 1,853 |
| Memoranda: | ||
| Average total assets | $217,498,500 | 2,873 |
| Average earning assets | $209,646,250 | 2,819 |
| Average equity | $13,569,750 | 3,368 |
| Average total loans | $150,760,750 | 2,676 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0146% | 3,657 |
| Cost of funding earning assets | 0.6130% | 3,714 |
| Net interest margin | 3.4016% | 2,505 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.4890% | 2,235 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9504% | 2,587 |
| Return on assets (ROA) | 0.9504% | 2,576 |
| Pretax return on assets | 1.1283% | 2,569 |
| Return on Equity (ROE) | 15.0600% | 1,459 |
| Retained earnings to average equity (ytd only) | 11.7828% | 1,030 |
| Net charge-offs to loans | -0.0148% | 4,038 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.4760% | 1,926 |
| Assets per employee ($millions) | 6.1821% | 2,560 |
| Cash dividends to net income (ytd only)* | 21.7349% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,401 |
| Loan loss allowance to noncurrent loans | 158.2213% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4345% | 1,226 |
| Noncurrent loans to loans | 0.6344% | 1,175 |
| Net loans and leases to total assets | 67.8000% | 1,978 |
| Net loans and leases to deposits | 72.6151% | 2,601 |
| Net loans and leases to core deposits | 78.2091% | 2,595 |
| Total domestic deposits to total assets | 93.3700% | 200 |
| Equity capital to assets | 6.2591% | 4,082 |
| Core capital (leverage) ratio | 7.8081% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3270% | 1,780 |
| Memoranda: | ||
| Average total assets | $215,906,333 | 2,890 |
| Average earning assets | $208,140,000 | 2,836 |
| Average equity | $13,630,000 | 3,386 |
| Average total loans | $148,431,667 | 2,689 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 3,648 |
| Cost of funding earning assets | 0.4784% | 3,761 |
| Net interest margin | 3.4330% | 2,550 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.3293% | 2,730 |
| Loan and lease loss provision to assets | -0.0500% | 4,518 |
| Net operating income to assets | 1.2136% | 1,897 |
| Return on assets (ROA) | 1.2136% | 1,857 |
| Pretax return on assets | 1.3810% | 1,932 |
| Return on Equity (ROE) | 19.1200% | 867 |
| Retained earnings to average equity (ytd only) | 12.5079% | 1,176 |
| Net charge-offs to loans | -0.0137% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.6831% | 2,502 |
| Assets per employee ($millions) | 6.2743% | 2,526 |
| Cash dividends to net income (ytd only)* | 34.5736% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 3,564 |
| Loan loss allowance to noncurrent loans | 290.7480% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 1,958 |
| Noncurrent loans to loans | 0.3399% | 1,927 |
| Net loans and leases to total assets | 67.3900% | 1,912 |
| Net loans and leases to deposits | 72.2905% | 2,446 |
| Net loans and leases to core deposits | 76.9511% | 2,463 |
| Total domestic deposits to total assets | 93.2100% | 273 |
| Equity capital to assets | 6.3670% | 4,072 |
| Core capital (leverage) ratio | 7.8746% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8741% | 1,661 |
| Memoranda: | ||
| Average total assets | $212,596,500 | 2,955 |
| Average earning assets | $204,836,000 | 2,897 |
| Average equity | $13,495,500 | 3,435 |
| Average total loans | $146,436,500 | 2,737 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5961% | 2,818 |
| Cost of funding earning assets | 0.1260% | 4,250 |
| Net interest margin | 3.4701% | 2,036 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.5021% | 2,109 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9939% | 2,590 |
| Return on assets (ROA) | 0.9927% | 2,544 |
| Pretax return on assets | 1.1755% | 2,519 |
| Return on Equity (ROE) | 15.1600% | 1,220 |
| Retained earnings to average equity (ytd only) | 12.7669% | 543 |
| Net charge-offs to loans | 0.0487% | 1,191 |
| Credit loss provision to net charge-offs | 139.0625% | 1,348 |
| Earnings coverage of net charge-offs (x) | 38.6094% | 1,525 |
| Efficiency ratio | 67.2064% | 2,060 |
| Assets per employee ($millions) | 6.0468% | 2,722 |
| Cash dividends to net income (ytd only)* | 15.7790% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,141 |
| Loan loss allowance to noncurrent loans | 290.6977% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 1,898 |
| Noncurrent loans to loans | 0.3598% | 1,853 |
| Net loans and leases to total assets | 69.0300% | 1,727 |
| Net loans and leases to deposits | 74.0032% | 2,257 |
| Net loans and leases to core deposits | 75.3458% | 2,473 |
| Total domestic deposits to total assets | 93.2800% | 349 |
| Equity capital to assets | 6.3276% | 3,968 |
| Core capital (leverage) ratio | 7.9123% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7966% | 1,695 |
| Memoranda: | ||
| Average total assets | $202,386,800 | 3,034 |
| Average earning assets | $194,461,200 | 2,975 |
| Average equity | $13,253,000 | 3,550 |
| Average total loans | $131,476,600 | 2,811 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4851% | 2,664 |
| Cost of funding earning assets | 0.1109% | 4,191 |
| Net interest margin | 3.3743% | 2,058 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.3652% | 2,430 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.0402% | 2,322 |
| Return on assets (ROA) | 1.0384% | 2,297 |
| Pretax return on assets | 1.1793% | 2,453 |
| Return on Equity (ROE) | 15.7200% | 1,035 |
| Retained earnings to average equity (ytd only) | 12.5479% | 684 |
| Net charge-offs to loans | 0.0021% | 2,208 |
| Credit loss provision to net charge-offs | 6,350.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 956.5000% | 162 |
| Efficiency ratio | 65.1485% | 2,392 |
| Assets per employee ($millions) | 6.4490% | 2,363 |
| Cash dividends to net income (ytd only)* | 20.1911% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 2,733 |
| Loan loss allowance to noncurrent loans | 232.8967% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3329% | 1,611 |
| Noncurrent loans to loans | 0.4988% | 1,552 |
| Net loans and leases to total assets | 65.9600% | 1,895 |
| Net loans and leases to deposits | 70.1928% | 2,346 |
| Net loans and leases to core deposits | 70.8722% | 2,577 |
| Total domestic deposits to total assets | 93.9700% | 367 |
| Equity capital to assets | 5.8395% | 4,020 |
| Core capital (leverage) ratio | 7.7294% | 4,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4073% | 2,307 |
| Memoranda: | ||
| Average total assets | $201,585,750 | 3,056 |
| Average earning assets | $193,578,750 | 2,999 |
| Average equity | $13,314,000 | 3,583 |
| Average total loans | $128,491,750 | 2,841 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3812% | 2,489 |
| Cost of funding earning assets | 0.1124% | 4,054 |
| Net interest margin | 3.2688% | 1,998 |
| Noninterest income to average assets | 0.3810% | 2,863 |
| Noninterest expense to average assets | 2.3961% | 2,233 |
| Loan and lease loss provision to assets | 0.0260% | 2,132 |
| Net operating income to assets | 0.9426% | 2,388 |
| Return on assets (ROA) | 0.9400% | 2,376 |
| Pretax return on assets | 1.0970% | 2,422 |
| Return on Equity (ROE) | 13.6877% | 1,193 |
| Retained earnings to average equity (ytd only) | 10.6007% | 875 |
| Net charge-offs to loans | 0.0016% | 2,063 |
| Credit loss provision to net charge-offs | 2,600.0000% | 199 |
| Earnings coverage of net charge-offs (x) | 1,126.0000% | 113 |
| Efficiency ratio | 68.0295% | 2,240 |
| Assets per employee ($millions) | 6.7848% | 2,083 |
| Cash dividends to net income (ytd only)* | 22.5532% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 2,915 |
| Loan loss allowance to noncurrent loans | 202.9770% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 1,541 |
| Noncurrent loans to loans | 0.5680% | 1,488 |
| Net loans and leases to total assets | 63.1866% | 1,995 |
| Net loans and leases to deposits | 67.5973% | 2,426 |
| Net loans and leases to core deposits | 68.2629% | 2,629 |
| Total domestic deposits to total assets | 93.4751% | 398 |
| Equity capital to assets | 6.3466% | 4,082 |
| Core capital (leverage) ratio | 7.5677% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3758% | 2,350 |
| Memoranda: | ||
| Average total assets | $199,991,333 | 3,097 |
| Average earning assets | $192,178,667 | 3,044 |
| Average equity | $13,735,000 | 3,612 |
| Average total loans | $125,413,333 | 2,889 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2696% | 2,477 |
| Cost of funding earning assets | 0.1113% | 3,992 |
| Net interest margin | 3.1583% | 1,998 |
| Noninterest income to average assets | 0.3693% | 2,876 |
| Noninterest expense to average assets | 2.2420% | 2,713 |
| Loan and lease loss provision to assets | 0.0020% | 2,258 |
| Net operating income to assets | 1.0473% | 1,703 |
| Return on assets (ROA) | 1.0473% | 1,694 |
| Pretax return on assets | 1.1604% | 1,955 |
| Return on Equity (ROE) | 14.6781% | 708 |
| Retained earnings to average equity (ytd only) | 8.6824% | 1,373 |
| Net charge-offs to loans | 0.0033% | 1,664 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 576.0000% | 172 |
| Efficiency ratio | 65.8566% | 2,787 |
| Assets per employee ($millions) | 6.3100% | 2,549 |
| Cash dividends to net income (ytd only)* | 40.8478% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 2,982 |
| Loan loss allowance to noncurrent loans | 196.6667% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 1,373 |
| Noncurrent loans to loans | 0.5982% | 1,566 |
| Net loans and leases to total assets | 61.3629% | 1,929 |
| Net loans and leases to deposits | 65.8129% | 2,353 |
| Net loans and leases to core deposits | 66.4668% | 2,587 |
| Total domestic deposits to total assets | 93.2384% | 216 |
| Equity capital to assets | 6.5788% | 4,395 |
| Core capital (leverage) ratio | 7.5229% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5241% | 2,405 |
| Memoranda: | ||
| Average total assets | $198,215,500 | 3,120 |
| Average earning assets | $190,482,500 | 3,078 |
| Average equity | $14,143,500 | 3,643 |
| Average total loans | $123,064,000 | 2,918 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6078% | 2,371 |
| Cost of funding earning assets | 0.1366% | 4,099 |
| Net interest margin | 3.4711% | 1,826 |
| Noninterest income to average assets | 0.4135% | 2,982 |
| Noninterest expense to average assets | 2.5047% | 2,164 |
| Loan and lease loss provision to assets | 0.0850% | 1,446 |
| Net operating income to assets | 0.9970% | 2,680 |
| Return on assets (ROA) | 0.9965% | 2,752 |
| Pretax return on assets | 1.1589% | 2,793 |
| Return on Equity (ROE) | 12.7972% | 1,527 |
| Retained earnings to average equity (ytd only) | 10.6911% | 766 |
| Net charge-offs to loans | 0.0273% | 1,694 |
| Credit loss provision to net charge-offs | 503.2258% | 795 |
| Earnings coverage of net charge-offs (x) | 73.6774% | 1,047 |
| Efficiency ratio | 66.8072% | 2,145 |
| Assets per employee ($millions) | 6.0785% | 2,687 |
| Cash dividends to net income (ytd only)* | 16.4571% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,783 |
| Loan loss allowance to noncurrent loans | 198.5195% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 1,442 |
| Noncurrent loans to loans | 0.6153% | 1,608 |
| Net loans and leases to total assets | 61.3199% | 2,033 |
| Net loans and leases to deposits | 66.6603% | 2,446 |
| Net loans and leases to core deposits | 67.3564% | 2,705 |
| Total domestic deposits to total assets | 91.9886% | 180 |
| Equity capital to assets | 7.7132% | 4,498 |
| Core capital (leverage) ratio | 7.5724% | 4,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4796% | 2,459 |
| Memoranda: | ||
| Average total assets | $183,537,800 | 3,180 |
| Average earning assets | $176,368,400 | 3,122 |
| Average equity | $14,292,200 | 3,707 |
| Average total loans | $113,672,000 | 3,014 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 2,661 |
| Cost of funding earning assets | 0.1413% | 4,184 |
| Net interest margin | 3.4200% | 2,096 |
| Noninterest income to average assets | 0.4078% | 3,046 |
| Noninterest expense to average assets | 2.4344% | 2,331 |
| Loan and lease loss provision to assets | 0.1150% | 1,044 |
| Net operating income to assets | 1.0021% | 2,899 |
| Return on assets (ROA) | 1.0015% | 2,967 |
| Pretax return on assets | 1.1431% | 3,093 |
| Return on Equity (ROE) | 12.8281% | 1,753 |
| Retained earnings to average equity (ytd only) | 9.9848% | 1,318 |
| Net charge-offs to loans | 0.0369% | 1,344 |
| Credit loss provision to net charge-offs | 503.2258% | 753 |
| Earnings coverage of net charge-offs (x) | 55.0645% | 1,183 |
| Efficiency ratio | 65.9145% | 2,109 |
| Assets per employee ($millions) | 5.6488% | 3,042 |
| Cash dividends to net income (ytd only)* | 22.1649% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 2,835 |
| Loan loss allowance to noncurrent loans | 209.5170% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 1,703 |
| Noncurrent loans to loans | 0.5873% | 1,839 |
| Net loans and leases to total assets | 61.6448% | 2,049 |
| Net loans and leases to deposits | 66.8981% | 2,553 |
| Net loans and leases to core deposits | 67.6033% | 2,811 |
| Total domestic deposits to total assets | 92.1472% | 98 |
| Equity capital to assets | 7.5206% | 4,698 |
| Core capital (leverage) ratio | 7.3253% | 4,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4914% | 2,550 |
| Memoranda: | ||
| Average total assets | $180,794,500 | 3,238 |
| Average earning assets | $173,682,250 | 3,182 |
| Average equity | $14,114,500 | 3,777 |
| Average total loans | $111,902,750 | 3,087 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5207% | 2,830 |
| Cost of funding earning assets | 0.1470% | 4,229 |
| Net interest margin | 3.3737% | 2,222 |
| Noninterest income to average assets | 0.4101% | 3,058 |
| Noninterest expense to average assets | 2.4277% | 2,371 |
| Loan and lease loss provision to assets | 0.0554% | 1,923 |
| Net operating income to assets | 1.0166% | 2,838 |
| Return on assets (ROA) | 1.0156% | 2,922 |
| Pretax return on assets | 1.1670% | 3,002 |
| Return on Equity (ROE) | 12.8386% | 1,772 |
| Retained earnings to average equity (ytd only) | 9.9681% | 1,404 |
| Net charge-offs to loans | -0.0018% | 3,181 |
| Credit loss provision to net charge-offs | -4,900.0000% | 3,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4913% | 2,084 |
| Assets per employee ($millions) | 6.3436% | 2,292 |
| Cash dividends to net income (ytd only)* | 22.3582% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 2,772 |
| Loan loss allowance to noncurrent loans | 176.7677% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 1,609 |
| Noncurrent loans to loans | 0.6962% | 1,688 |
| Net loans and leases to total assets | 59.0425% | 2,537 |
| Net loans and leases to deposits | 64.1218% | 2,991 |
| Net loans and leases to core deposits | 64.8030% | 3,208 |
| Total domestic deposits to total assets | 92.0786% | 115 |
| Equity capital to assets | 7.5052% | 4,738 |
| Core capital (leverage) ratio | 7.5919% | 4,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4569% | 2,556 |
| Memoranda: | ||
| Average total assets | $177,039,333 | 3,270 |
| Average earning assets | $170,079,000 | 3,215 |
| Average equity | $14,004,667 | 3,791 |
| Average total loans | $109,247,000 | 3,135 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6764% | 2,420 |
| Cost of funding earning assets | 0.1615% | 4,229 |
| Net interest margin | 3.5148% | 1,786 |
| Noninterest income to average assets | 0.3920% | 3,130 |
| Noninterest expense to average assets | 2.4342% | 2,383 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1969% | 2,160 |
| Return on assets (ROA) | 1.1948% | 2,243 |
| Pretax return on assets | 1.3262% | 2,499 |
| Return on Equity (ROE) | 14.6839% | 1,280 |
| Retained earnings to average equity (ytd only) | 8.8854% | 1,984 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6912% | 2,382 |
| Assets per employee ($millions) | 5.9913% | 2,608 |
| Cash dividends to net income (ytd only)* | 39.4892% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,716 |
| Loan loss allowance to noncurrent loans | 142.5554% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 1,568 |
| Noncurrent loans to loans | 0.8700% | 1,551 |
| Net loans and leases to total assets | 59.8115% | 2,562 |
| Net loans and leases to deposits | 65.1133% | 3,012 |
| Net loans and leases to core deposits | 66.2979% | 3,215 |
| Total domestic deposits to total assets | 91.8576% | 172 |
| Equity capital to assets | 7.7313% | 4,621 |
| Core capital (leverage) ratio | 7.8982% | 4,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,405,500 | 3,330 |
| Average earning assets | $163,421,500 | 3,276 |
| Average equity | $13,865,500 | 3,804 |
| Average total loans | $106,989,500 | 3,166 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7277% | 3,504 |
| Cost of funding earning assets | 0.3661% | 3,786 |
| Net interest margin | 3.3615% | 2,894 |
| Noninterest income to average assets | 0.5833% | 2,286 |
| Noninterest expense to average assets | 2.5521% | 2,691 |
| Loan and lease loss provision to assets | 0.1664% | 2,304 |
| Net operating income to assets | 0.9469% | 2,497 |
| Return on assets (ROA) | 0.9430% | 2,659 |
| Pretax return on assets | 1.0805% | 2,765 |
| Return on Equity (ROE) | 11.5731% | 1,448 |
| Retained earnings to average equity (ytd only) | 9.2001% | 730 |
| Net charge-offs to loans | 0.0335% | 2,377 |
| Credit loss provision to net charge-offs | 761.7647% | 943 |
| Earnings coverage of net charge-offs (x) | 57.2941% | 1,092 |
| Efficiency ratio | 67.1002% | 2,348 |
| Assets per employee ($millions) | 5.1959% | 3,166 |
| Cash dividends to net income (ytd only)* | 20.5041% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,492 |
| Loan loss allowance to noncurrent loans | 237.6761% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 2,251 |
| Noncurrent loans to loans | 0.5403% | 2,356 |
| Net loans and leases to total assets | 64.4273% | 2,307 |
| Net loans and leases to deposits | 70.7975% | 2,794 |
| Net loans and leases to core deposits | 72.2486% | 3,051 |
| Total domestic deposits to total assets | 91.0022% | 226 |
| Equity capital to assets | 8.5893% | 4,381 |
| Core capital (leverage) ratio | 8.0784% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,672,800 | 3,333 |
| Average earning assets | $149,127,800 | 3,274 |
| Average equity | $12,684,600 | 3,898 |
| Average total loans | $101,504,200 | 3,205 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7244% | 3,748 |
| Cost of funding earning assets | 0.4192% | 3,707 |
| Net interest margin | 3.3052% | 3,169 |
| Noninterest income to average assets | 0.5426% | 2,413 |
| Noninterest expense to average assets | 2.5850% | 2,578 |
| Loan and lease loss provision to assets | 0.1588% | 2,417 |
| Net operating income to assets | 0.8260% | 2,994 |
| Return on assets (ROA) | 0.8260% | 3,122 |
| Pretax return on assets | 0.9659% | 3,175 |
| Return on Equity (ROE) | 10.2818% | 1,915 |
| Retained earnings to average equity (ytd only) | 7.5823% | 1,467 |
| Net charge-offs to loans | 0.0451% | 1,980 |
| Credit loss provision to net charge-offs | 541.1765% | 1,229 |
| Earnings coverage of net charge-offs (x) | 38.2941% | 1,394 |
| Efficiency ratio | 69.6786% | 1,930 |
| Assets per employee ($millions) | 5.5315% | 2,678 |
| Cash dividends to net income (ytd only)* | 26.2552% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 2,496 |
| Loan loss allowance to noncurrent loans | 216.1017% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 2,411 |
| Noncurrent loans to loans | 0.5694% | 2,373 |
| Net loans and leases to total assets | 61.6677% | 3,050 |
| Net loans and leases to deposits | 67.1930% | 3,534 |
| Net loans and leases to core deposits | 70.8127% | 3,569 |
| Total domestic deposits to total assets | 91.7768% | 73 |
| Equity capital to assets | 7.8188% | 4,771 |
| Core capital (leverage) ratio | 7.7100% | 4,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2717% | 2,507 |
| Memoranda: | ||
| Average total assets | $154,322,750 | 3,327 |
| Average earning assets | $147,885,000 | 3,268 |
| Average equity | $12,397,000 | 3,938 |
| Average total loans | $100,599,000 | 3,229 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 3,693 |
| Cost of funding earning assets | 0.4526% | 3,783 |
| Net interest margin | 3.4196% | 3,037 |
| Noninterest income to average assets | 0.5583% | 2,312 |
| Noninterest expense to average assets | 2.6069% | 2,640 |
| Loan and lease loss provision to assets | 0.2446% | 1,722 |
| Net operating income to assets | 0.8402% | 2,895 |
| Return on assets (ROA) | 0.8402% | 3,014 |
| Pretax return on assets | 0.9811% | 3,082 |
| Return on Equity (ROE) | 10.3570% | 1,864 |
| Retained earnings to average equity (ytd only) | 7.0631% | 1,633 |
| Net charge-offs to loans | 0.0683% | 1,561 |
| Credit loss provision to net charge-offs | 541.1765% | 1,170 |
| Earnings coverage of net charge-offs (x) | 27.1176% | 1,498 |
| Efficiency ratio | 68.0194% | 2,230 |
| Assets per employee ($millions) | 5.3199% | 2,819 |
| Cash dividends to net income (ytd only)* | 31.8038% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 2,233 |
| Loan loss allowance to noncurrent loans | 197.6744% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 2,347 |
| Noncurrent loans to loans | 0.6348% | 2,275 |
| Net loans and leases to total assets | 62.8629% | 3,026 |
| Net loans and leases to deposits | 68.5994% | 3,516 |
| Net loans and leases to core deposits | 72.4400% | 3,563 |
| Total domestic deposits to total assets | 91.6377% | 73 |
| Equity capital to assets | 7.9512% | 4,742 |
| Core capital (leverage) ratio | 7.9665% | 4,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3362% | 2,469 |
| Memoranda: | ||
| Average total assets | $150,448,333 | 3,352 |
| Average earning assets | $144,052,000 | 3,294 |
| Average equity | $12,204,333 | 3,963 |
| Average total loans | $99,595,333 | 3,239 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9845% | 3,838 |
| Cost of funding earning assets | 0.4816% | 4,025 |
| Net interest margin | 3.5029% | 2,974 |
| Noninterest income to average assets | 0.6115% | 1,989 |
| Noninterest expense to average assets | 2.8216% | 2,370 |
| Loan and lease loss provision to assets | 0.2084% | 1,469 |
| Net operating income to assets | 0.7925% | 2,934 |
| Return on assets (ROA) | 0.7925% | 3,021 |
| Pretax return on assets | 0.9323% | 3,045 |
| Return on Equity (ROE) | 9.6643% | 1,854 |
| Retained earnings to average equity (ytd only) | 2.9428% | 3,107 |
| Net charge-offs to loans | 0.0041% | 2,434 |
| Credit loss provision to net charge-offs | 7,600.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 416.0000% | 165 |
| Efficiency ratio | 71.2111% | 2,190 |
| Assets per employee ($millions) | 4.9485% | 2,707 |
| Cash dividends to net income (ytd only)* | 69.5502% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 2,592 |
| Loan loss allowance to noncurrent loans | 139.5349% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.5793% | 2,261 |
| Noncurrent loans to loans | 0.8699% | 1,872 |
| Net loans and leases to total assets | 65.7872% | 2,843 |
| Net loans and leases to deposits | 71.8394% | 3,443 |
| Net loans and leases to core deposits | 76.2281% | 3,482 |
| Total domestic deposits to total assets | 91.5753% | 69 |
| Equity capital to assets | 8.0670% | 4,957 |
| Core capital (leverage) ratio | 8.2981% | 4,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6293% | 2,431 |
| Memoranda: | ||
| Average total assets | $145,873,500 | 3,381 |
| Average earning assets | $139,542,000 | 3,313 |
| Average equity | $11,961,500 | 4,002 |
| Average total loans | $98,591,500 | 3,238 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1081% | 4,021 |
| Cost of funding earning assets | 0.5726% | 3,756 |
| Net interest margin | 3.5356% | 3,325 |
| Noninterest income to average assets | 0.5945% | 2,252 |
| Noninterest expense to average assets | 2.7913% | 2,630 |
| Loan and lease loss provision to assets | 0.0616% | 2,803 |
| Net operating income to assets | 0.9751% | 2,929 |
| Return on assets (ROA) | 0.9751% | 3,014 |
| Pretax return on assets | 1.1239% | 3,097 |
| Return on Equity (ROE) | 12.5374% | 1,320 |
| Retained earnings to average equity (ytd only) | 9.9497% | 500 |
| Net charge-offs to loans | 0.0129% | 3,227 |
| Credit loss provision to net charge-offs | 725.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 139.4167% | 523 |
| Efficiency ratio | 70.1889% | 2,137 |
| Assets per employee ($millions) | 4.7764% | 2,864 |
| Cash dividends to net income (ytd only)* | 20.6395% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 2,726 |
| Loan loss allowance to noncurrent loans | 123.6264% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 1,995 |
| Noncurrent loans to loans | 0.9256% | 1,655 |
| Net loans and leases to total assets | 67.8291% | 2,702 |
| Net loans and leases to deposits | 74.2623% | 3,329 |
| Net loans and leases to core deposits | 79.1358% | 3,371 |
| Total domestic deposits to total assets | 91.3372% | 78 |
| Equity capital to assets | 8.3376% | 4,975 |
| Core capital (leverage) ratio | 8.3329% | 4,933 |
| Tier 1 risk-based capital ratio | 12.4270% | 4,117 |
| Total risk-based capital ratio | 13.6049% | 4,021 |
| Memoranda: | ||
| Average total assets | $141,119,400 | 3,422 |
| Average earning assets | $135,000,200 | 3,352 |
| Average equity | $10,975,200 | 4,130 |
| Average total loans | $93,316,200 | 3,333 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 4,151 |
| Cost of funding earning assets | 0.5829% | 3,769 |
| Net interest margin | 3.5195% | 3,507 |
| Noninterest income to average assets | 0.5994% | 2,206 |
| Noninterest expense to average assets | 2.7619% | 2,680 |
| Loan and lease loss provision to assets | 0.0835% | 2,239 |
| Net operating income to assets | 0.9817% | 3,042 |
| Return on assets (ROA) | 0.9817% | 3,124 |
| Pretax return on assets | 1.1211% | 3,236 |
| Return on Equity (ROE) | 12.8582% | 1,331 |
| Retained earnings to average equity (ytd only) | 9.3299% | 948 |
| Net charge-offs to loans | 0.0188% | 2,745 |
| Credit loss provision to net charge-offs | 676.9231% | 494 |
| Earnings coverage of net charge-offs (x) | 97.7086% | 766 |
| Efficiency ratio | 69.6318% | 2,172 |
| Assets per employee ($millions) | 4.7987% | 2,793 |
| Cash dividends to net income (ytd only)* | 27.4397% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,607 |
| Loan loss allowance to noncurrent loans | 136.3636% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 2,290 |
| Noncurrent loans to loans | 0.8666% | 1,849 |
| Net loans and leases to total assets | 65.3485% | 3,135 |
| Net loans and leases to deposits | 71.2154% | 3,669 |
| Net loans and leases to core deposits | 77.9732% | 3,553 |
| Total domestic deposits to total assets | 91.7617% | 45 |
| Equity capital to assets | 7.9500% | 5,141 |
| Core capital (leverage) ratio | 7.9070% | 5,136 |
| Tier 1 risk-based capital ratio | 12.3460% | 4,231 |
| Total risk-based capital ratio | 13.5510% | 4,137 |
| Memoranda: | ||
| Average total assets | $140,576,500 | 3,464 |
| Average earning assets | $134,486,500 | 3,390 |
| Average equity | $10,732,250 | 4,196 |
| Average total loans | $92,065,750 | 3,399 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0737% | 4,224 |
| Cost of funding earning assets | 0.5642% | 3,815 |
| Net interest margin | 3.5095% | 3,569 |
| Noninterest income to average assets | 0.5794% | 2,249 |
| Noninterest expense to average assets | 2.7896% | 2,631 |
| Loan and lease loss provision to assets | 0.1219% | 1,535 |
| Net operating income to assets | 0.8993% | 3,287 |
| Return on assets (ROA) | 0.8993% | 3,356 |
| Pretax return on assets | 1.0226% | 3,464 |
| Return on Equity (ROE) | 11.9489% | 1,594 |
| Retained earnings to average equity (ytd only) | 8.4424% | 1,228 |
| Net charge-offs to loans | 0.0220% | 2,408 |
| Credit loss provision to net charge-offs | 850.0000% | 399 |
| Earnings coverage of net charge-offs (x) | 79.8000% | 817 |
| Efficiency ratio | 70.9078% | 2,083 |
| Assets per employee ($millions) | 5.0135% | 2,461 |
| Cash dividends to net income (ytd only)* | 29.3461% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 2,463 |
| Loan loss allowance to noncurrent loans | 160.4850% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 2,530 |
| Noncurrent loans to loans | 0.7552% | 2,094 |
| Net loans and leases to total assets | 63.0729% | 3,441 |
| Net loans and leases to deposits | 68.4616% | 3,941 |
| Net loans and leases to core deposits | 76.4874% | 3,685 |
| Total domestic deposits to total assets | 92.1289% | 35 |
| Equity capital to assets | 7.6050% | 5,225 |
| Core capital (leverage) ratio | 7.9293% | 5,181 |
| Tier 1 risk-based capital ratio | 12.1368% | 4,338 |
| Total risk-based capital ratio | 13.3537% | 4,247 |
| Memoranda: | ||
| Average total assets | $139,448,000 | 3,500 |
| Average earning assets | $133,293,670 | 3,434 |
| Average equity | $10,494,670 | 4,237 |
| Average total loans | $91,020,330 | 3,434 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 4,164 |
| Cost of funding earning assets | 0.5250% | 3,946 |
| Net interest margin | 3.5613% | 3,397 |
| Noninterest income to average assets | 0.5246% | 2,412 |
| Noninterest expense to average assets | 2.9397% | 2,159 |
| Loan and lease loss provision to assets | 0.0264% | 3,081 |
| Net operating income to assets | 0.8646% | 3,379 |
| Return on assets (ROA) | 0.8646% | 3,429 |
| Pretax return on assets | 0.9584% | 3,591 |
| Return on Equity (ROE) | 11.5533% | 1,710 |
| Retained earnings to average equity (ytd only) | 4.3472% | 3,184 |
| Net charge-offs to loans | 0.0399% | 1,704 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 37.3333% | 1,200 |
| Efficiency ratio | 74.9066% | 1,623 |
| Assets per employee ($millions) | 4.5876% | 3,062 |
| Cash dividends to net income (ytd only)* | 62.3729% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 2,814 |
| Loan loss allowance to noncurrent loans | 135.8344% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.5856% | 2,307 |
| Noncurrent loans to loans | 0.8510% | 1,935 |
| Net loans and leases to total assets | 65.2401% | 3,143 |
| Net loans and leases to deposits | 70.7834% | 3,709 |
| Net loans and leases to core deposits | 75.1157% | 3,728 |
| Total domestic deposits to total assets | 92.1687% | 57 |
| Equity capital to assets | 7.6010% | 5,249 |
| Core capital (leverage) ratio | 8.0934% | 5,185 |
| Tier 1 risk-based capital ratio | 12.1802% | 4,364 |
| Total risk-based capital ratio | 13.3548% | 4,292 |
| Memoranda: | ||
| Average total assets | $136,476,000 | 3,569 |
| Average earning assets | $130,290,000 | 3,510 |
| Average equity | $10,213,500 | 4,297 |
| Average total loans | $90,116,500 | 3,490 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9556% | 4,152 |
| Cost of funding earning assets | 0.3686% | 4,171 |
| Net interest margin | 3.5870% | 3,428 |
| Noninterest income to average assets | 0.6456% | 2,060 |
| Noninterest expense to average assets | 2.9948% | 2,055 |
| Loan and lease loss provision to assets | 0.1062% | 2,078 |
| Net operating income to assets | 0.8668% | 3,550 |
| Return on assets (ROA) | 0.8641% | 3,561 |
| Pretax return on assets | 0.9542% | 3,746 |
| Return on Equity (ROE) | 11.7290% | 1,806 |
| Retained earnings to average equity (ytd only) | 9.0119% | 860 |
| Net charge-offs to loans | 0.0477% | 2,480 |
| Credit loss provision to net charge-offs | 356.4103% | 896 |
| Earnings coverage of net charge-offs (x) | 35.6923% | 1,426 |
| Efficiency ratio | 73.7952% | 1,651 |
| Assets per employee ($millions) | 4.5108% | 3,151 |
| Cash dividends to net income (ytd only)* | 23.1653% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 2,698 |
| Loan loss allowance to noncurrent loans | 137.2549% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 2,346 |
| Noncurrent loans to loans | 0.8558% | 1,885 |
| Net loans and leases to total assets | 65.2836% | 3,226 |
| Net loans and leases to deposits | 74.1635% | 3,489 |
| Net loans and leases to core deposits | 78.9831% | 3,503 |
| Total domestic deposits to total assets | 88.0266% | 1,285 |
| Equity capital to assets | 7.3645% | 5,294 |
| Core capital (leverage) ratio | 8.0412% | 5,225 |
| Tier 1 risk-based capital ratio | 12.2449% | 4,272 |
| Total risk-based capital ratio | 13.4379% | 4,184 |
| Memoranda: | ||
| Average total assets | $130,895,200 | 3,640 |
| Average earning assets | $124,533,000 | 3,582 |
| Average equity | $9,642,800 | 4,360 |
| Average total loans | $81,686,600 | 3,633 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8977% | 4,220 |
| Cost of funding earning assets | 0.3296% | 4,308 |
| Net interest margin | 3.5681% | 3,463 |
| Noninterest income to average assets | 0.6503% | 2,070 |
| Noninterest expense to average assets | 2.9699% | 2,113 |
| Loan and lease loss provision to assets | 0.0894% | 2,188 |
| Net operating income to assets | 0.8835% | 3,606 |
| Return on assets (ROA) | 0.8835% | 3,609 |
| Pretax return on assets | 0.9831% | 3,771 |
| Return on Equity (ROE) | 11.9916% | 1,796 |
| Retained earnings to average equity (ytd only) | 8.3383% | 1,497 |
| Net charge-offs to loans | 0.0618% | 1,941 |
| Credit loss provision to net charge-offs | 235.1351% | 1,232 |
| Earnings coverage of net charge-offs (x) | 28.2175% | 1,675 |
| Efficiency ratio | 73.4689% | 1,664 |
| Assets per employee ($millions) | 4.6287% | 2,945 |
| Cash dividends to net income (ytd only)* | 30.4647% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 2,830 |
| Loan loss allowance to noncurrent loans | 101.9368% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 2,033 |
| Noncurrent loans to loans | 1.1408% | 1,486 |
| Net loans and leases to total assets | 63.3150% | 3,505 |
| Net loans and leases to deposits | 69.5053% | 3,956 |
| Net loans and leases to core deposits | 73.8900% | 3,955 |
| Total domestic deposits to total assets | 91.0938% | 195 |
| Equity capital to assets | 7.2352% | 5,359 |
| Core capital (leverage) ratio | 7.9561% | 5,327 |
| Tier 1 risk-based capital ratio | 12.2123% | 4,370 |
| Total risk-based capital ratio | 13.3748% | 4,322 |
| Memoranda: | ||
| Average total assets | $129,787,750 | 3,683 |
| Average earning assets | $123,387,000 | 3,632 |
| Average equity | $9,562,000 | 4,411 |
| Average total loans | $79,759,500 | 3,703 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8303% | 4,269 |
| Cost of funding earning assets | 0.3182% | 4,281 |
| Net interest margin | 3.5121% | 3,595 |
| Noninterest income to average assets | 0.6235% | 2,212 |
| Noninterest expense to average assets | 2.9772% | 2,111 |
| Loan and lease loss provision to assets | 0.0857% | 2,196 |
| Net operating income to assets | 0.8043% | 3,844 |
| Return on assets (ROA) | 0.8043% | 3,840 |
| Pretax return on assets | 0.8979% | 3,975 |
| Return on Equity (ROE) | 10.8495% | 2,177 |
| Retained earnings to average equity (ytd only) | 7.3381% | 1,907 |
| Net charge-offs to loans | 0.0772% | 1,555 |
| Credit loss provision to net charge-offs | 183.3333% | 1,387 |
| Earnings coverage of net charge-offs (x) | 21.0333% | 1,787 |
| Efficiency ratio | 75.1673% | 1,536 |
| Assets per employee ($millions) | 4.3672% | 3,326 |
| Cash dividends to net income (ytd only)* | 32.3643% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,639 |
| Loan loss allowance to noncurrent loans | 147.2810% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 2,736 |
| Noncurrent loans to loans | 0.8246% | 2,077 |
| Net loans and leases to total assets | 60.5334% | 3,758 |
| Net loans and leases to deposits | 65.4473% | 4,194 |
| Net loans and leases to core deposits | 68.7617% | 4,215 |
| Total domestic deposits to total assets | 92.4918% | 51 |
| Equity capital to assets | 7.3357% | 5,413 |
| Core capital (leverage) ratio | 7.9902% | 5,348 |
| Tier 1 risk-based capital ratio | 12.4831% | 4,193 |
| Total risk-based capital ratio | 13.6697% | 4,127 |
| Memoranda: | ||
| Average total assets | $128,306,330 | 3,729 |
| Average earning assets | $121,921,000 | 3,670 |
| Average equity | $9,512,000 | 4,457 |
| Average total loans | $77,683,000 | 3,758 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 4,193 |
| Cost of funding earning assets | 0.3121% | 4,253 |
| Net interest margin | 3.4961% | 3,551 |
| Noninterest income to average assets | 0.6050% | 2,235 |
| Noninterest expense to average assets | 3.1256% | 1,754 |
| Loan and lease loss provision to assets | 0.0819% | 2,153 |
| Net operating income to assets | 0.6522% | 4,269 |
| Return on assets (ROA) | 0.6522% | 4,277 |
| Pretax return on assets | 0.7152% | 4,398 |
| Return on Equity (ROE) | 8.7503% | 3,026 |
| Retained earnings to average equity (ytd only) | 1.6909% | 4,440 |
| Net charge-offs to loans | 0.1362% | 989 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 9.7308% | 1,948 |
| Efficiency ratio | 79.6787% | 1,176 |
| Assets per employee ($millions) | 4.3144% | 3,457 |
| Cash dividends to net income (ytd only)* | 80.6763% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 2,680 |
| Loan loss allowance to noncurrent loans | 204.3011% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 2,924 |
| Noncurrent loans to loans | 0.5976% | 2,753 |
| Net loans and leases to total assets | 59.3876% | 3,806 |
| Net loans and leases to deposits | 64.1239% | 4,203 |
| Net loans and leases to core deposits | 66.0741% | 4,299 |
| Total domestic deposits to total assets | 92.6138% | 57 |
| Equity capital to assets | 7.1830% | 5,490 |
| Core capital (leverage) ratio | 8.0065% | 5,386 |
| Tier 1 risk-based capital ratio | 12.4503% | 4,279 |
| Total risk-based capital ratio | 13.6392% | 4,209 |
| Memoranda: | ||
| Average total assets | $126,951,000 | 3,779 |
| Average earning assets | $120,476,500 | 3,738 |
| Average equity | $9,462,500 | 4,510 |
| Average total loans | $76,382,500 | 3,823 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7842% | 4,097 |
| Cost of funding earning assets | 0.3052% | 4,084 |
| Net interest margin | 3.4791% | 3,597 |
| Noninterest income to average assets | 0.6193% | 2,351 |
| Noninterest expense to average assets | 3.1335% | 1,766 |
| Loan and lease loss provision to assets | 0.0535% | 3,166 |
| Net operating income to assets | 0.7021% | 3,596 |
| Return on assets (ROA) | 0.7029% | 3,646 |
| Pretax return on assets | 0.7397% | 4,412 |
| Return on Equity (ROE) | 9.1806% | 2,223 |
| Retained earnings to average equity (ytd only) | 6.6590% | 1,207 |
| Net charge-offs to loans | 0.0195% | 3,451 |
| Credit loss provision to net charge-offs | 457.1429% | 689 |
| Earnings coverage of net charge-offs (x) | 67.7143% | 877 |
| Efficiency ratio | 79.8169% | 1,123 |
| Assets per employee ($millions) | 4.1490% | 3,740 |
| Cash dividends to net income (ytd only)* | 27.4673% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,388 |
| Loan loss allowance to noncurrent loans | 87.0761% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.0139% | 1,516 |
| Noncurrent loans to loans | 1.4557% | 1,177 |
| Net loans and leases to total assets | 59.4508% | 3,885 |
| Net loans and leases to deposits | 67.5531% | 4,055 |
| Net loans and leases to core deposits | 69.8045% | 4,189 |
| Total domestic deposits to total assets | 88.0060% | 1,496 |
| Equity capital to assets | 7.7351% | 5,474 |
| Core capital (leverage) ratio | 8.1635% | 5,369 |
| Tier 1 risk-based capital ratio | 12.9194% | 3,954 |
| Total risk-based capital ratio | 14.1581% | 3,864 |
| Memoranda: | ||
| Average total assets | $119,643,600 | 3,900 |
| Average earning assets | $113,708,600 | 3,845 |
| Average equity | $9,160,600 | 4,585 |
| Average total loans | $71,630,400 | 3,924 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7626% | 4,132 |
| Cost of funding earning assets | 0.3065% | 4,070 |
| Net interest margin | 3.4561% | 3,652 |
| Noninterest income to average assets | 0.6237% | 2,343 |
| Noninterest expense to average assets | 3.0913% | 1,826 |
| Loan and lease loss provision to assets | 0.0383% | 3,339 |
| Net operating income to assets | 0.6868% | 4,042 |
| Return on assets (ROA) | 0.6878% | 4,105 |
| Pretax return on assets | 0.7824% | 4,396 |
| Return on Equity (ROE) | 9.0079% | 2,591 |
| Retained earnings to average equity (ytd only) | 5.6022% | 2,482 |
| Net charge-offs to loans | 0.0169% | 3,173 |
| Credit loss provision to net charge-offs | 377.7778% | 811 |
| Earnings coverage of net charge-offs (x) | 80.8867% | 806 |
| Efficiency ratio | 79.0443% | 1,209 |
| Assets per employee ($millions) | 5.0295% | 2,417 |
| Cash dividends to net income (ytd only)* | 37.8064% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 2,526 |
| Loan loss allowance to noncurrent loans | 112.9426% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7141% | 2,366 |
| Noncurrent loans to loans | 1.1235% | 1,714 |
| Net loans and leases to total assets | 59.6241% | 3,909 |
| Net loans and leases to deposits | 66.0600% | 4,250 |
| Net loans and leases to core deposits | 68.4669% | 4,339 |
| Total domestic deposits to total assets | 90.2575% | 392 |
| Equity capital to assets | 7.8006% | 5,570 |
| Core capital (leverage) ratio | 8.1033% | 5,473 |
| Tier 1 risk-based capital ratio | 13.0277% | 3,989 |
| Total risk-based capital ratio | 14.2730% | 3,904 |
| Memoranda: | ||
| Average total assets | $118,436,750 | 3,959 |
| Average earning assets | $112,649,750 | 3,910 |
| Average equity | $9,043,750 | 4,654 |
| Average total loans | $70,800,750 | 3,973 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7108% | 4,193 |
| Cost of funding earning assets | 0.3088% | 3,995 |
| Net interest margin | 3.4020% | 3,760 |
| Noninterest income to average assets | 0.6118% | 2,400 |
| Noninterest expense to average assets | 3.0575% | 1,949 |
| Loan and lease loss provision to assets | 0.0459% | 3,072 |
| Net operating income to assets | 0.6424% | 4,119 |
| Return on assets (ROA) | 0.6424% | 4,165 |
| Pretax return on assets | 0.7478% | 4,438 |
| Return on Equity (ROE) | 8.4756% | 2,785 |
| Retained earnings to average equity (ytd only) | 5.2244% | 2,567 |
| Net charge-offs to loans | 0.0057% | 3,260 |
| Credit loss provision to net charge-offs | 1,350.0000% | 312 |
| Earnings coverage of net charge-offs (x) | 233.5000% | 362 |
| Efficiency ratio | 79.3910% | 1,281 |
| Assets per employee ($millions) | 5.0816% | 2,299 |
| Cash dividends to net income (ytd only)* | 38.3598% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 2,351 |
| Loan loss allowance to noncurrent loans | 129.1899% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 2,534 |
| Noncurrent loans to loans | 1.0153% | 1,936 |
| Net loans and leases to total assets | 57.0659% | 4,117 |
| Net loans and leases to deposits | 61.9240% | 4,508 |
| Net loans and leases to core deposits | 64.5139% | 4,568 |
| Total domestic deposits to total assets | 92.1547% | 61 |
| Equity capital to assets | 7.6116% | 5,636 |
| Core capital (leverage) ratio | 8.0792% | 5,495 |
| Tier 1 risk-based capital ratio | 13.0487% | 3,968 |
| Total risk-based capital ratio | 14.2986% | 3,885 |
| Memoranda: | ||
| Average total assets | $117,679,670 | 3,995 |
| Average earning assets | $112,052,330 | 3,944 |
| Average equity | $8,919,670 | 4,691 |
| Average total loans | $70,102,330 | 4,011 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7410% | 3,967 |
| Cost of funding earning assets | 0.3193% | 3,859 |
| Net interest margin | 3.4217% | 3,563 |
| Noninterest income to average assets | 0.5331% | 2,750 |
| Noninterest expense to average assets | 3.2024% | 1,603 |
| Loan and lease loss provision to assets | 0.0242% | 3,262 |
| Net operating income to assets | 0.5055% | 4,574 |
| Return on assets (ROA) | 0.5055% | 4,605 |
| Pretax return on assets | 0.5712% | 4,791 |
| Return on Equity (ROE) | 6.6835% | 3,561 |
| Retained earnings to average equity (ytd only) | 0.0458% | 4,905 |
| Net charge-offs to loans | 0.0401% | 2,015 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 24.5714% | 1,353 |
| Efficiency ratio | 84.3209% | 943 |
| Assets per employee ($millions) | 4.9777% | 2,477 |
| Cash dividends to net income (ytd only)* | 99.3151% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 2,560 |
| Loan loss allowance to noncurrent loans | 81.2274% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 1,614 |
| Noncurrent loans to loans | 1.5942% | 1,220 |
| Net loans and leases to total assets | 57.4235% | 4,020 |
| Net loans and leases to deposits | 62.0840% | 4,427 |
| Net loans and leases to core deposits | 64.7222% | 4,500 |
| Total domestic deposits to total assets | 92.4932% | 60 |
| Equity capital to assets | 7.3854% | 5,704 |
| Core capital (leverage) ratio | 8.1547% | 5,474 |
| Tier 1 risk-based capital ratio | 13.1427% | 4,001 |
| Total risk-based capital ratio | 14.3935% | 3,906 |
| Memoranda: | ||
| Average total assets | $115,540,000 | 4,072 |
| Average earning assets | $110,237,000 | 4,012 |
| Average equity | $8,738,000 | 4,762 |
| Average total loans | $69,892,500 | 4,053 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9884% | 3,232 |
| Cost of funding earning assets | 0.3422% | 3,607 |
| Net interest margin | 3.6462% | 2,902 |
| Noninterest income to average assets | 0.7462% | 1,967 |
| Noninterest expense to average assets | 3.4284% | 1,297 |
| Loan and lease loss provision to assets | 0.0599% | 3,183 |
| Net operating income to assets | 0.6197% | 4,123 |
| Return on assets (ROA) | 0.6205% | 4,239 |
| Pretax return on assets | 0.7191% | 4,427 |
| Return on Equity (ROE) | 7.1245% | 3,403 |
| Retained earnings to average equity (ytd only) | 4.6498% | 2,585 |
| Net charge-offs to loans | 0.0922% | 2,388 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 12.9839% | 2,405 |
| Efficiency ratio | 81.5028% | 1,260 |
| Assets per employee ($millions) | 4.6506% | 2,877 |
| Cash dividends to net income (ytd only)* | 34.7352% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 2,649 |
| Loan loss allowance to noncurrent loans | 57.4713% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.5912% | 1,010 |
| Noncurrent loans to loans | 2.2281% | 761 |
| Net loans and leases to total assets | 62.1637% | 3,594 |
| Net loans and leases to deposits | 67.5014% | 4,128 |
| Net loans and leases to core deposits | 70.5897% | 4,191 |
| Total domestic deposits to total assets | 92.0925% | 92 |
| Equity capital to assets | 7.7525% | 5,651 |
| Core capital (leverage) ratio | 8.2596% | 5,467 |
| Tier 1 risk-based capital ratio | 13.6153% | 3,695 |
| Total risk-based capital ratio | 14.8658% | 3,605 |
| Memoranda: | ||
| Average total assets | $103,459,000 | 4,298 |
| Average earning assets | $98,185,600 | 4,236 |
| Average equity | $9,011,200 | 4,765 |
| Average total loans | $67,276,000 | 4,105 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,242 |
| Cost of funding earning assets | 0.3356% | 3,705 |
| Net interest margin | 3.6610% | 2,853 |
| Noninterest income to average assets | 0.7875% | 1,816 |
| Noninterest expense to average assets | 3.4470% | 1,253 |
| Loan and lease loss provision to assets | 0.0749% | 2,720 |
| Net operating income to assets | 0.6706% | 3,999 |
| Return on assets (ROA) | 0.6718% | 4,118 |
| Pretax return on assets | 0.7375% | 4,507 |
| Return on Equity (ROE) | 7.4864% | 3,310 |
| Retained earnings to average equity (ytd only) | 4.2193% | 3,324 |
| Net charge-offs to loans | 0.1142% | 1,803 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 10.8243% | 2,543 |
| Efficiency ratio | 80.9509% | 1,307 |
| Assets per employee ($millions) | 4.6903% | 2,762 |
| Cash dividends to net income (ytd only)* | 43.6403% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,654 |
| Loan loss allowance to noncurrent loans | 58.4036% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.5555% | 1,133 |
| Noncurrent loans to loans | 2.2362% | 831 |
| Net loans and leases to total assets | 60.4177% | 3,827 |
| Net loans and leases to deposits | 66.0493% | 4,339 |
| Net loans and leases to core deposits | 68.1104% | 4,465 |
| Total domestic deposits to total assets | 91.4736% | 120 |
| Equity capital to assets | 8.2466% | 5,652 |
| Core capital (leverage) ratio | 8.8668% | 4,985 |
| Tier 1 risk-based capital ratio | 13.5546% | 3,831 |
| Total risk-based capital ratio | 14.8056% | 3,740 |
| Memoranda: | ||
| Average total assets | $101,420,000 | 4,367 |
| Average earning assets | $96,146,000 | 4,303 |
| Average equity | $9,100,750 | 4,789 |
| Average total loans | $66,524,000 | 4,154 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1163% | 2,797 |
| Cost of funding earning assets | 0.3398% | 3,687 |
| Net interest margin | 3.7765% | 2,418 |
| Noninterest income to average assets | 0.6837% | 2,217 |
| Noninterest expense to average assets | 3.4697% | 1,222 |
| Loan and lease loss provision to assets | 0.0962% | 2,233 |
| Net operating income to assets | 0.6103% | 4,224 |
| Return on assets (ROA) | 0.6121% | 4,341 |
| Pretax return on assets | 0.6919% | 4,645 |
| Return on Equity (ROE) | 6.6150% | 3,740 |
| Retained earnings to average equity (ytd only) | 3.5177% | 3,659 |
| Net charge-offs to loans | 0.1430% | 1,470 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 8.1702% | 2,543 |
| Efficiency ratio | 81.5296% | 1,326 |
| Assets per employee ($millions) | 4.1510% | 3,650 |
| Cash dividends to net income (ytd only)* | 46.8227% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 2,425 |
| Loan loss allowance to noncurrent loans | 106.8884% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 1,890 |
| Noncurrent loans to loans | 1.2830% | 1,766 |
| Net loans and leases to total assets | 64.9703% | 3,229 |
| Net loans and leases to deposits | 71.9050% | 3,791 |
| Net loans and leases to core deposits | 74.0420% | 3,978 |
| Total domestic deposits to total assets | 90.3557% | 366 |
| Equity capital to assets | 9.3010% | 4,975 |
| Core capital (leverage) ratio | 9.1393% | 4,675 |
| Tier 1 risk-based capital ratio | 14.2537% | 3,468 |
| Total risk-based capital ratio | 15.5058% | 3,385 |
| Memoranda: | ||
| Average total assets | $97,704,000 | 4,457 |
| Average earning assets | $92,412,670 | 4,416 |
| Average equity | $9,040,000 | 4,832 |
| Average total loans | $65,728,330 | 4,198 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 2,582 |
| Cost of funding earning assets | 0.3366% | 3,764 |
| Net interest margin | 3.8342% | 2,155 |
| Noninterest income to average assets | 0.7194% | 1,941 |
| Noninterest expense to average assets | 3.5062% | 1,172 |
| Loan and lease loss provision to assets | 0.0910% | 2,167 |
| Net operating income to assets | 0.6785% | 3,830 |
| Return on assets (ROA) | 0.6822% | 3,922 |
| Pretax return on assets | 0.7525% | 4,361 |
| Return on Equity (ROE) | 7.3933% | 3,247 |
| Retained earnings to average equity (ytd only) | 1.1202% | 4,793 |
| Net charge-offs to loans | 0.2858% | 740 |
| Credit loss provision to net charge-offs | 46.8085% | 2,080 |
| Earnings coverage of net charge-offs (x) | 4.3191% | 2,449 |
| Efficiency ratio | 80.6851% | 1,527 |
| Assets per employee ($millions) | 4.1113% | 3,740 |
| Cash dividends to net income (ytd only)* | 84.8485% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 2,738 |
| Loan loss allowance to noncurrent loans | 146.8121% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 2,487 |
| Noncurrent loans to loans | 0.9087% | 2,578 |
| Net loans and leases to total assets | 65.5846% | 3,013 |
| Net loans and leases to deposits | 72.3997% | 3,615 |
| Net loans and leases to core deposits | 74.5653% | 3,832 |
| Total domestic deposits to total assets | 90.5869% | 407 |
| Equity capital to assets | 9.1253% | 5,062 |
| Core capital (leverage) ratio | 9.2795% | 4,514 |
| Tier 1 risk-based capital ratio | 14.0971% | 3,620 |
| Total risk-based capital ratio | 15.3494% | 3,553 |
| Memoranda: | ||
| Average total assets | $96,744,000 | 4,517 |
| Average earning assets | $91,493,000 | 4,470 |
| Average equity | $8,927,000 | 4,878 |
| Average total loans | $65,779,500 | 4,226 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 2,551 |
| Cost of funding earning assets | 0.3503% | 3,698 |
| Net interest margin | 3.8515% | 2,198 |
| Noninterest income to average assets | 0.6938% | 2,232 |
| Noninterest expense to average assets | 3.5145% | 1,265 |
| Loan and lease loss provision to assets | 0.0720% | 2,829 |
| Net operating income to assets | 0.6743% | 3,930 |
| Return on assets (ROA) | 0.6790% | 4,004 |
| Pretax return on assets | 0.7690% | 4,306 |
| Return on Equity (ROE) | 7.5819% | 3,199 |
| Retained earnings to average equity (ytd only) | 5.0743% | 2,364 |
| Net charge-offs to loans | 0.1465% | 1,898 |
| Credit loss provision to net charge-offs | 73.1183% | 3,072 |
| Earnings coverage of net charge-offs (x) | 8.4839% | 2,941 |
| Efficiency ratio | 80.7889% | 1,569 |
| Assets per employee ($millions) | 3.9507% | 4,026 |
| Cash dividends to net income (ytd only)* | 33.0733% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 2,589 |
| Loan loss allowance to noncurrent loans | 96.2567% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.3816% | 1,514 |
| Noncurrent loans to loans | 1.4173% | 1,643 |
| Net loans and leases to total assets | 68.6280% | 2,608 |
| Net loans and leases to deposits | 77.7264% | 3,084 |
| Net loans and leases to core deposits | 80.2108% | 3,319 |
| Total domestic deposits to total assets | 88.2943% | 1,476 |
| Equity capital to assets | 9.3338% | 4,749 |
| Core capital (leverage) ratio | 9.4799% | 4,203 |
| Tier 1 risk-based capital ratio | 14.3820% | 3,505 |
| Total risk-based capital ratio | 15.6339% | 3,420 |
| Memoranda: | ||
| Average total assets | $94,409,400 | 4,573 |
| Average earning assets | $89,627,000 | 4,514 |
| Average equity | $8,454,400 | 4,969 |
| Average total loans | $63,495,600 | 4,276 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 2,628 |
| Cost of funding earning assets | 0.3497% | 3,758 |
| Net interest margin | 3.8347% | 2,251 |
| Noninterest income to average assets | 0.6447% | 2,505 |
| Noninterest expense to average assets | 3.2729% | 1,771 |
| Loan and lease loss provision to assets | 0.0947% | 2,274 |
| Net operating income to assets | 0.7613% | 3,627 |
| Return on assets (ROA) | 0.7649% | 3,708 |
| Pretax return on assets | 0.9246% | 3,901 |
| Return on Equity (ROE) | 8.6329% | 2,767 |
| Retained earnings to average equity (ytd only) | 5.2500% | 2,752 |
| Net charge-offs to loans | 0.1951% | 1,308 |
| Credit loss provision to net charge-offs | 72.8261% | 2,717 |
| Earnings coverage of net charge-offs (x) | 7.8046% | 2,879 |
| Efficiency ratio | 76.3271% | 2,192 |
| Assets per employee ($millions) | 3.9534% | 3,966 |
| Cash dividends to net income (ytd only)* | 39.1865% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 2,590 |
| Loan loss allowance to noncurrent loans | 114.3583% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 2,219 |
| Noncurrent loans to loans | 1.2252% | 2,082 |
| Net loans and leases to total assets | 66.7541% | 2,888 |
| Net loans and leases to deposits | 73.6100% | 3,584 |
| Net loans and leases to core deposits | 75.8936% | 3,815 |
| Total domestic deposits to total assets | 90.6862% | 344 |
| Equity capital to assets | 9.0566% | 5,262 |
| Core capital (leverage) ratio | 9.1951% | 4,734 |
| Tier 1 risk-based capital ratio | 14.5558% | 3,528 |
| Total risk-based capital ratio | 15.8094% | 3,448 |
| Memoranda: | ||
| Average total assets | $94,307,500 | 4,629 |
| Average earning assets | $89,599,750 | 4,565 |
| Average equity | $8,355,500 | 5,050 |
| Average total loans | $62,876,750 | 4,341 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 2,632 |
| Cost of funding earning assets | 0.3488% | 3,819 |
| Net interest margin | 3.8276% | 2,211 |
| Noninterest income to average assets | 0.6099% | 2,682 |
| Noninterest expense to average assets | 3.2874% | 1,743 |
| Loan and lease loss provision to assets | 0.0659% | 2,797 |
| Net operating income to assets | 0.7448% | 3,663 |
| Return on assets (ROA) | 0.7501% | 3,742 |
| Pretax return on assets | 0.9010% | 3,949 |
| Return on Equity (ROE) | 8.5304% | 2,783 |
| Retained earnings to average equity (ytd only) | 5.3647% | 2,629 |
| Net charge-offs to loans | 0.1794% | 1,381 |
| Credit loss provision to net charge-offs | 55.3571% | 2,648 |
| Earnings coverage of net charge-offs (x) | 8.0714% | 2,600 |
| Efficiency ratio | 77.3887% | 2,146 |
| Assets per employee ($millions) | 3.9197% | 4,035 |
| Cash dividends to net income (ytd only)* | 37.1105% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 2,589 |
| Loan loss allowance to noncurrent loans | 78.6713% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.3968% | 1,795 |
| Noncurrent loans to loans | 1.8232% | 1,392 |
| Net loans and leases to total assets | 65.7454% | 2,994 |
| Net loans and leases to deposits | 72.3030% | 3,688 |
| Net loans and leases to core deposits | 74.5561% | 3,901 |
| Total domestic deposits to total assets | 90.9304% | 316 |
| Equity capital to assets | 8.8815% | 5,359 |
| Core capital (leverage) ratio | 9.1377% | 4,764 |
| Tier 1 risk-based capital ratio | 15.4159% | 3,154 |
| Total risk-based capital ratio | 16.6711% | 3,083 |
| Memoranda: | ||
| Average total assets | $94,116,330 | 4,678 |
| Average earning assets | $89,456,670 | 4,609 |
| Average equity | $8,276,330 | 5,110 |
| Average total loans | $62,423,330 | 4,390 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0917% | 2,870 |
| Cost of funding earning assets | 0.3488% | 3,867 |
| Net interest margin | 3.7429% | 2,453 |
| Noninterest income to average assets | 0.5991% | 2,657 |
| Noninterest expense to average assets | 3.1443% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8966% | 2,756 |
| Return on assets (ROA) | 0.8966% | 2,885 |
| Pretax return on assets | 1.0113% | 3,452 |
| Return on Equity (ROE) | 10.2464% | 1,893 |
| Retained earnings to average equity (ytd only) | 3.8849% | 3,671 |
| Net charge-offs to loans | 0.1478% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 10.3478% | 1,941 |
| Efficiency ratio | 75.6646% | 2,557 |
| Assets per employee ($millions) | 4.0136% | 3,931 |
| Cash dividends to net income (ytd only)* | 62.0853% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 2,730 |
| Loan loss allowance to noncurrent loans | 96.6774% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.1731% | 2,287 |
| Noncurrent loans to loans | 1.4912% | 1,897 |
| Net loans and leases to total assets | 64.0180% | 3,085 |
| Net loans and leases to deposits | 70.2330% | 3,727 |
| Net loans and leases to core deposits | 72.3609% | 3,929 |
| Total domestic deposits to total assets | 91.1509% | 313 |
| Equity capital to assets | 8.6747% | 5,596 |
| Core capital (leverage) ratio | 8.7888% | 5,220 |
| Tier 1 risk-based capital ratio | 14.3411% | 3,810 |
| Total risk-based capital ratio | 15.5956% | 3,727 |
| Memoranda: | ||
| Average total assets | $94,138,500 | 4,716 |
| Average earning assets | $89,449,000 | 4,645 |
| Average equity | $8,237,000 | 5,152 |
| Average total loans | $62,261,000 | 4,422 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 2,706 |
| Cost of funding earning assets | 0.3909% | 3,781 |
| Net interest margin | 3.8789% | 2,321 |
| Noninterest income to average assets | 0.6595% | 2,510 |
| Noninterest expense to average assets | 3.4808% | 1,527 |
| Loan and lease loss provision to assets | 0.0828% | 2,823 |
| Net operating income to assets | 0.6497% | 4,146 |
| Return on assets (ROA) | 0.6497% | 4,249 |
| Pretax return on assets | 0.7740% | 4,351 |
| Return on Equity (ROE) | 7.5556% | 3,343 |
| Retained earnings to average equity (ytd only) | 5.0075% | 2,593 |
| Net charge-offs to loans | 0.0343% | 4,146 |
| Credit loss provision to net charge-offs | 361.9048% | 727 |
| Earnings coverage of net charge-offs (x) | 37.4286% | 1,145 |
| Efficiency ratio | 80.2463% | 1,892 |
| Assets per employee ($millions) | 3.8313% | 4,285 |
| Cash dividends to net income (ytd only)* | 33.7248% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 2,516 |
| Loan loss allowance to noncurrent loans | 109.5972% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.1006% | 2,550 |
| Noncurrent loans to loans | 1.3623% | 2,157 |
| Net loans and leases to total assets | 66.3712% | 2,823 |
| Net loans and leases to deposits | 72.9183% | 3,564 |
| Net loans and leases to core deposits | 75.2358% | 3,800 |
| Total domestic deposits to total assets | 91.0213% | 356 |
| Equity capital to assets | 8.8286% | 5,455 |
| Core capital (leverage) ratio | 9.2653% | 4,581 |
| Tier 1 risk-based capital ratio | 15.9599% | 2,979 |
| Total risk-based capital ratio | 17.2160% | 2,925 |
| Memoranda: | ||
| Average total assets | $91,733,000 | 4,792 |
| Average earning assets | $86,984,400 | 4,718 |
| Average equity | $7,888,200 | 5,229 |
| Average total loans | $61,229,400 | 4,454 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 2,803 |
| Cost of funding earning assets | 0.3989% | 3,796 |
| Net interest margin | 3.8524% | 2,425 |
| Noninterest income to average assets | 0.6661% | 2,497 |
| Noninterest expense to average assets | 3.3871% | 1,706 |
| Loan and lease loss provision to assets | 0.0843% | 2,669 |
| Net operating income to assets | 0.7083% | 3,897 |
| Return on assets (ROA) | 0.7083% | 4,005 |
| Pretax return on assets | 0.8464% | 4,194 |
| Return on Equity (ROE) | 8.2919% | 3,042 |
| Retained earnings to average equity (ytd only) | 4.8695% | 3,176 |
| Net charge-offs to loans | 0.0284% | 3,918 |
| Credit loss provision to net charge-offs | 446.1538% | 637 |
| Earnings coverage of net charge-offs (x) | 49.2389% | 989 |
| Efficiency ratio | 78.4439% | 2,116 |
| Assets per employee ($millions) | 3.8203% | 4,248 |
| Cash dividends to net income (ytd only)* | 41.2724% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 2,765 |
| Loan loss allowance to noncurrent loans | 88.6628% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.2227% | 2,517 |
| Noncurrent loans to loans | 1.6811% | 1,938 |
| Net loans and leases to total assets | 65.9566% | 2,878 |
| Net loans and leases to deposits | 72.5653% | 3,617 |
| Net loans and leases to core deposits | 74.8780% | 3,858 |
| Total domestic deposits to total assets | 90.8928% | 394 |
| Equity capital to assets | 8.9348% | 5,424 |
| Core capital (leverage) ratio | 9.0426% | 5,017 |
| Tier 1 risk-based capital ratio | 15.7766% | 3,168 |
| Total risk-based capital ratio | 17.0327% | 3,107 |
| Memoranda: | ||
| Average total assets | $91,678,500 | 4,852 |
| Average earning assets | $86,905,000 | 4,773 |
| Average equity | $7,830,750 | 5,285 |
| Average total loans | $61,048,250 | 4,496 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2391% | 2,812 |
| Cost of funding earning assets | 0.4004% | 3,863 |
| Net interest margin | 3.8386% | 2,419 |
| Noninterest income to average assets | 0.6196% | 2,716 |
| Noninterest expense to average assets | 3.4513% | 1,570 |
| Loan and lease loss provision to assets | 0.0567% | 3,160 |
| Net operating income to assets | 0.6261% | 4,214 |
| Return on assets (ROA) | 0.6261% | 4,313 |
| Pretax return on assets | 0.7505% | 4,457 |
| Return on Equity (ROE) | 7.4446% | 3,392 |
| Retained earnings to average equity (ytd only) | 4.2022% | 3,495 |
| Net charge-offs to loans | 0.0098% | 4,072 |
| Credit loss provision to net charge-offs | 866.6667% | 379 |
| Earnings coverage of net charge-offs (x) | 123.3333% | 478 |
| Efficiency ratio | 81.0451% | 1,872 |
| Assets per employee ($millions) | 3.8509% | 4,156 |
| Cash dividends to net income (ytd only)* | 43.5540% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 2,997 |
| Loan loss allowance to noncurrent loans | 102.8802% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.1502% | 2,774 |
| Noncurrent loans to loans | 1.4374% | 2,403 |
| Net loans and leases to total assets | 64.3710% | 3,018 |
| Net loans and leases to deposits | 70.5696% | 3,744 |
| Net loans and leases to core deposits | 72.7894% | 3,971 |
| Total domestic deposits to total assets | 91.2164% | 337 |
| Equity capital to assets | 8.6451% | 5,671 |
| Core capital (leverage) ratio | 8.8747% | 5,200 |
| Tier 1 risk-based capital ratio | 15.5190% | 3,345 |
| Total risk-based capital ratio | 16.6563% | 3,350 |
| Memoranda: | ||
| Average total assets | $91,676,000 | 4,885 |
| Average earning assets | $86,905,670 | 4,805 |
| Average equity | $7,710,330 | 5,338 |
| Average total loans | $60,935,000 | 4,522 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 2,566 |
| Cost of funding earning assets | 0.4020% | 3,945 |
| Net interest margin | 3.8864% | 2,131 |
| Noninterest income to average assets | 0.6177% | 2,629 |
| Noninterest expense to average assets | 3.2945% | 1,956 |
| Loan and lease loss provision to assets | 0.1139% | 2,054 |
| Net operating income to assets | 0.7492% | 3,422 |
| Return on assets (ROA) | 0.7492% | 3,502 |
| Pretax return on assets | 0.8937% | 3,718 |
| Return on Equity (ROE) | 9.0351% | 2,446 |
| Retained earnings to average equity (ytd only) | 2.4305% | 4,612 |
| Net charge-offs to loans | -0.0261% | 5,485 |
| Credit loss provision to net charge-offs | -650.0000% | 5,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5784% | 2,718 |
| Assets per employee ($millions) | 3.8985% | 4,142 |
| Cash dividends to net income (ytd only)* | 73.0994% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 3,259 |
| Loan loss allowance to noncurrent loans | 148.2702% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 3,832 |
| Noncurrent loans to loans | 0.9958% | 3,427 |
| Net loans and leases to total assets | 64.1885% | 2,859 |
| Net loans and leases to deposits | 70.0295% | 3,597 |
| Net loans and leases to core deposits | 72.2042% | 3,855 |
| Total domestic deposits to total assets | 91.6593% | 342 |
| Equity capital to assets | 8.2253% | 5,887 |
| Core capital (leverage) ratio | 9.0110% | 4,992 |
| Tier 1 risk-based capital ratio | 15.1132% | 3,648 |
| Total risk-based capital ratio | 16.2776% | 3,645 |
| Memoranda: | ||
| Average total assets | $91,303,000 | 4,931 |
| Average earning assets | $86,557,500 | 4,854 |
| Average equity | $7,570,500 | 5,406 |
| Average total loans | $61,209,500 | 4,546 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3627% | 2,720 |
| Cost of funding earning assets | 0.4619% | 4,000 |
| Net interest margin | 3.9008% | 2,283 |
| Noninterest income to average assets | 0.7042% | 2,519 |
| Noninterest expense to average assets | 3.5254% | 1,601 |
| Loan and lease loss provision to assets | 0.1370% | 2,590 |
| Net operating income to assets | 0.6160% | 4,190 |
| Return on assets (ROA) | 0.6113% | 4,332 |
| Pretax return on assets | 0.7359% | 4,397 |
| Return on Equity (ROE) | 7.5730% | 3,262 |
| Retained earnings to average equity (ytd only) | 4.8383% | 2,708 |
| Net charge-offs to loans | 0.0017% | 5,450 |
| Credit loss provision to net charge-offs | 12,100.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 776.0000% | 50 |
| Efficiency ratio | 80.0514% | 2,139 |
| Assets per employee ($millions) | 3.7100% | 4,456 |
| Cash dividends to net income (ytd only)* | 36.1111% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 3,575 |
| Loan loss allowance to noncurrent loans | 91.8691% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.0636% | 3,285 |
| Noncurrent loans to loans | 1.5408% | 2,583 |
| Net loans and leases to total assets | 68.0484% | 2,351 |
| Net loans and leases to deposits | 74.3503% | 3,211 |
| Net loans and leases to core deposits | 76.7811% | 3,518 |
| Total domestic deposits to total assets | 91.5241% | 395 |
| Equity capital to assets | 8.3613% | 5,725 |
| Core capital (leverage) ratio | 9.0627% | 4,911 |
| Tier 1 risk-based capital ratio | 14.9712% | 3,687 |
| Total risk-based capital ratio | 16.2131% | 3,633 |
| Memoranda: | ||
| Average total assets | $88,331,600 | 5,018 |
| Average earning assets | $83,777,600 | 4,939 |
| Average equity | $7,130,600 | 5,542 |
| Average total loans | $59,063,800 | 4,644 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 2,770 |
| Cost of funding earning assets | 0.4656% | 4,109 |
| Net interest margin | 3.8871% | 2,324 |
| Noninterest income to average assets | 0.7260% | 2,482 |
| Noninterest expense to average assets | 3.4545% | 1,705 |
| Loan and lease loss provision to assets | 0.1543% | 2,338 |
| Net operating income to assets | 0.6734% | 3,994 |
| Return on assets (ROA) | 0.6670% | 4,167 |
| Pretax return on assets | 0.7971% | 4,304 |
| Return on Equity (ROE) | 8.3379% | 2,954 |
| Retained earnings to average equity (ytd only) | 4.6510% | 3,358 |
| Net charge-offs to loans | 0.0046% | 5,098 |
| Credit loss provision to net charge-offs | 5,100.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 316.5955% | 187 |
| Efficiency ratio | 78.2728% | 2,380 |
| Assets per employee ($millions) | 3.7953% | 4,254 |
| Cash dividends to net income (ytd only)* | 44.2167% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 3,878 |
| Loan loss allowance to noncurrent loans | 131.1728% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.7817% | 4,151 |
| Noncurrent loans to loans | 1.0699% | 3,658 |
| Net loans and leases to total assets | 65.5615% | 2,712 |
| Net loans and leases to deposits | 71.0548% | 3,635 |
| Net loans and leases to core deposits | 73.3015% | 3,937 |
| Total domestic deposits to total assets | 92.2689% | 209 |
| Equity capital to assets | 7.5993% | 6,353 |
| Core capital (leverage) ratio | 8.8739% | 5,287 |
| Tier 1 risk-based capital ratio | 14.7236% | 3,932 |
| Total risk-based capital ratio | 15.8896% | 3,937 |
| Memoranda: | ||
| Average total assets | $88,154,250 | 5,072 |
| Average earning assets | $83,624,750 | 4,983 |
| Average equity | $7,052,000 | 5,620 |
| Average total loans | $58,464,500 | 4,704 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 2,739 |
| Cost of funding earning assets | 0.4694% | 4,213 |
| Net interest margin | 3.8861% | 2,255 |
| Noninterest income to average assets | 0.7158% | 2,566 |
| Noninterest expense to average assets | 3.5262% | 1,543 |
| Loan and lease loss provision to assets | 0.1216% | 2,803 |
| Net operating income to assets | 0.6429% | 4,096 |
| Return on assets (ROA) | 0.6332% | 4,288 |
| Pretax return on assets | 0.7410% | 4,533 |
| Return on Equity (ROE) | 7.7798% | 3,204 |
| Retained earnings to average equity (ytd only) | 4.3127% | 3,535 |
| Net charge-offs to loans | 0.0104% | 4,671 |
| Credit loss provision to net charge-offs | 1,766.6667% | 178 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 384 |
| Efficiency ratio | 80.1356% | 2,134 |
| Assets per employee ($millions) | 3.6835% | 4,432 |
| Cash dividends to net income (ytd only)* | 44.5652% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 4,211 |
| Loan loss allowance to noncurrent loans | 147.8743% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7160% | 4,432 |
| Noncurrent loans to loans | 0.9196% | 4,087 |
| Net loans and leases to total assets | 65.6448% | 2,652 |
| Net loans and leases to deposits | 71.2477% | 3,552 |
| Net loans and leases to core deposits | 73.8227% | 3,844 |
| Total domestic deposits to total assets | 92.1360% | 228 |
| Equity capital to assets | 7.7441% | 6,342 |
| Core capital (leverage) ratio | 8.9030% | 5,139 |
| Tier 1 risk-based capital ratio | 13.2968% | 4,921 |
| Total risk-based capital ratio | 14.3640% | 5,000 |
| Memoranda: | ||
| Average total assets | $87,176,670 | 5,126 |
| Average earning assets | $82,653,670 | 5,031 |
| Average equity | $7,095,330 | 5,661 |
| Average total loans | $57,763,330 | 4,753 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2816% | 2,968 |
| Cost of funding earning assets | 0.4681% | 4,395 |
| Net interest margin | 3.8135% | 2,396 |
| Noninterest income to average assets | 0.6978% | 2,598 |
| Noninterest expense to average assets | 3.4333% | 1,759 |
| Loan and lease loss provision to assets | 0.0970% | 3,067 |
| Net operating income to assets | 0.6734% | 3,826 |
| Return on assets (ROA) | 0.6654% | 4,027 |
| Pretax return on assets | 0.7717% | 4,288 |
| Return on Equity (ROE) | 7.9778% | 2,985 |
| Retained earnings to average equity (ytd only) | 1.1634% | 5,385 |
| Net charge-offs to loans | 0.0070% | 4,013 |
| Credit loss provision to net charge-offs | 2,100.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 211 |
| Efficiency ratio | 79.6356% | 2,384 |
| Assets per employee ($millions) | 3.7275% | 4,497 |
| Cash dividends to net income (ytd only)* | 85.4167% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 4,550 |
| Loan loss allowance to noncurrent loans | 169.6035% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.8618% | 4,232 |
| Noncurrent loans to loans | 0.7854% | 4,548 |
| Net loans and leases to total assets | 63.7563% | 2,760 |
| Net loans and leases to deposits | 69.4109% | 3,590 |
| Net loans and leases to core deposits | 71.2135% | 3,932 |
| Total domestic deposits to total assets | 91.8534% | 271 |
| Equity capital to assets | 8.0605% | 6,346 |
| Core capital (leverage) ratio | 9.0747% | 4,759 |
| Tier 1 risk-based capital ratio | 13.1072% | 5,141 |
| Total risk-based capital ratio | 14.3739% | 5,080 |
| Memoranda: | ||
| Average total assets | $86,563,500 | 5,184 |
| Average earning assets | $82,025,000 | 5,086 |
| Average equity | $7,220,000 | 5,679 |
| Average total loans | $57,229,000 | 4,807 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8015% | 2,186 |
| Cost of funding earning assets | 0.5458% | 4,852 |
| Net interest margin | 4.2557% | 1,507 |
| Noninterest income to average assets | 0.7639% | 2,424 |
| Noninterest expense to average assets | 3.8382% | 1,192 |
| Loan and lease loss provision to assets | 0.1196% | 4,125 |
| Net operating income to assets | 0.6212% | 4,136 |
| Return on assets (ROA) | 0.6318% | 4,350 |
| Pretax return on assets | 0.7440% | 4,499 |
| Return on Equity (ROE) | 7.2412% | 3,503 |
| Retained earnings to average equity (ytd only) | 4.6561% | 2,936 |
| Net charge-offs to loans | 0.1303% | 4,373 |
| Credit loss provision to net charge-offs | 135.2113% | 2,064 |
| Earnings coverage of net charge-offs (x) | 9.6197% | 2,248 |
| Efficiency ratio | 81.8496% | 1,884 |
| Assets per employee ($millions) | 3.4861% | 5,033 |
| Cash dividends to net income (ytd only)* | 35.7002% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 4,517 |
| Loan loss allowance to noncurrent loans | 99.6016% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.3171% | 3,446 |
| Noncurrent loans to loans | 1.3292% | 3,620 |
| Net loans and leases to total assets | 66.8145% | 2,402 |
| Net loans and leases to deposits | 73.2513% | 3,217 |
| Net loans and leases to core deposits | 75.2997% | 3,623 |
| Total domestic deposits to total assets | 91.2127% | 425 |
| Equity capital to assets | 8.6403% | 5,915 |
| Core capital (leverage) ratio | 9.2609% | 4,487 |
| Tier 1 risk-based capital ratio | 13.7308% | 4,580 |
| Total risk-based capital ratio | 14.8266% | 4,642 |
| Memoranda: | ||
| Average total assets | $80,245,200 | 5,347 |
| Average earning assets | $74,018,400 | 5,311 |
| Average equity | $7,001,600 | 5,764 |
| Average total loans | $54,504,000 | 4,919 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8592% | 2,158 |
| Cost of funding earning assets | 0.5574% | 5,022 |
| Net interest margin | 4.3017% | 1,451 |
| Noninterest income to average assets | 0.7473% | 2,497 |
| Noninterest expense to average assets | 3.7905% | 1,228 |
| Loan and lease loss provision to assets | 0.1478% | 3,689 |
| Net operating income to assets | 0.6308% | 4,234 |
| Return on assets (ROA) | 0.6449% | 4,424 |
| Pretax return on assets | 0.7658% | 4,610 |
| Return on Equity (ROE) | 7.3723% | 3,597 |
| Retained earnings to average equity (ytd only) | 3.8973% | 4,144 |
| Net charge-offs to loans | 0.0939% | 4,438 |
| Credit loss provision to net charge-offs | 231.5789% | 1,196 |
| Earnings coverage of net charge-offs (x) | 14.0513% | 1,867 |
| Efficiency ratio | 80.8671% | 1,961 |
| Assets per employee ($millions) | 3.4371% | 5,127 |
| Cash dividends to net income (ytd only)* | 47.1357% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 4,414 |
| Loan loss allowance to noncurrent loans | 102.3778% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.4329% | 3,458 |
| Noncurrent loans to loans | 1.3587% | 3,750 |
| Net loans and leases to total assets | 66.6008% | 2,543 |
| Net loans and leases to deposits | 73.0135% | 3,447 |
| Net loans and leases to core deposits | 75.0779% | 3,842 |
| Total domestic deposits to total assets | 91.2171% | 354 |
| Equity capital to assets | 8.6338% | 6,152 |
| Core capital (leverage) ratio | 9.2555% | 4,672 |
| Tier 1 risk-based capital ratio | 14.8254% | 3,961 |
| Total risk-based capital ratio | 16.0038% | 3,972 |
| Memoranda: | ||
| Average total assets | $79,390,000 | 5,422 |
| Average earning assets | $72,713,000 | 5,408 |
| Average equity | $6,944,750 | 5,847 |
| Average total loans | $53,967,250 | 4,996 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9097% | 2,071 |
| Cost of funding earning assets | 0.5659% | 5,179 |
| Net interest margin | 4.3439% | 1,357 |
| Noninterest income to average assets | 0.7402% | 2,468 |
| Noninterest expense to average assets | 3.7776% | 1,248 |
| Loan and lease loss provision to assets | 0.1378% | 3,798 |
| Net operating income to assets | 0.6544% | 4,089 |
| Return on assets (ROA) | 0.6764% | 4,255 |
| Pretax return on assets | 0.7887% | 4,510 |
| Return on Equity (ROE) | 7.6971% | 3,399 |
| Retained earnings to average equity (ytd only) | 4.4440% | 3,644 |
| Net charge-offs to loans | 0.1311% | 3,879 |
| Credit loss provision to net charge-offs | 154.2857% | 1,798 |
| Earnings coverage of net charge-offs (x) | 10.0857% | 2,098 |
| Efficiency ratio | 80.7420% | 2,071 |
| Assets per employee ($millions) | 3.4248% | 5,153 |
| Cash dividends to net income (ytd only)* | 42.2642% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 4,532 |
| Loan loss allowance to noncurrent loans | 257.4394% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7908% | 4,816 |
| Noncurrent loans to loans | 0.5366% | 5,446 |
| Net loans and leases to total assets | 64.6191% | 2,904 |
| Net loans and leases to deposits | 71.0067% | 3,765 |
| Net loans and leases to core deposits | 73.2977% | 4,125 |
| Total domestic deposits to total assets | 91.0042% | 444 |
| Equity capital to assets | 8.4653% | 6,245 |
| Core capital (leverage) ratio | 9.3391% | 4,394 |
| Tier 1 risk-based capital ratio | 14.9883% | 3,775 |
| Total risk-based capital ratio | 16.1635% | 3,771 |
| Memoranda: | ||
| Average total assets | $78,356,670 | 5,485 |
| Average earning assets | $71,042,330 | 5,489 |
| Average equity | $6,885,670 | 5,881 |
| Average total loans | $53,385,000 | 5,054 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 1,449 |
| Cost of funding earning assets | 0.5958% | 5,169 |
| Net interest margin | 4.5484% | 923 |
| Noninterest income to average assets | 0.7274% | 2,514 |
| Noninterest expense to average assets | 3.7050% | 1,367 |
| Loan and lease loss provision to assets | 0.2826% | 2,210 |
| Net operating income to assets | 0.6667% | 4,044 |
| Return on assets (ROA) | 0.7117% | 4,042 |
| Pretax return on assets | 0.8268% | 4,314 |
| Return on Equity (ROE) | 7.9422% | 3,310 |
| Retained earnings to average equity (ytd only) | 1.4016% | 5,534 |
| Net charge-offs to loans | -0.0452% | 6,495 |
| Credit loss provision to net charge-offs | -900.0000% | 5,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8022% | 2,524 |
| Assets per employee ($millions) | 3.2454% | 5,670 |
| Cash dividends to net income (ytd only)* | 82.3529% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 4,279 |
| Loan loss allowance to noncurrent loans | 167.3774% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 1.0862% | 4,319 |
| Noncurrent loans to loans | 0.8811% | 4,907 |
| Net loans and leases to total assets | 67.3279% | 2,230 |
| Net loans and leases to deposits | 74.2422% | 3,088 |
| Net loans and leases to core deposits | 76.7793% | 3,507 |
| Total domestic deposits to total assets | 90.6867% | 698 |
| Equity capital to assets | 8.8048% | 5,746 |
| Core capital (leverage) ratio | 9.9634% | 3,402 |
| Tier 1 risk-based capital ratio | 15.1864% | 3,630 |
| Total risk-based capital ratio | 16.3858% | 3,629 |
| Memoranda: | ||
| Average total assets | $76,438,000 | 5,580 |
| Average earning assets | $67,803,500 | 5,629 |
| Average equity | $6,849,500 | 5,917 |
| Average total loans | $53,149,000 | 5,099 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3989% | 1,422 |
| Cost of funding earning assets | 0.7208% | 5,398 |
| Net interest margin | 4.6781% | 785 |
| Noninterest income to average assets | 0.8692% | 1,774 |
| Noninterest expense to average assets | 4.1548% | 856 |
| Loan and lease loss provision to assets | 0.1334% | 4,945 |
| Net operating income to assets | 0.6012% | 3,997 |
| Return on assets (ROA) | 0.6024% | 4,176 |
| Pretax return on assets | 0.7287% | 4,222 |
| Return on Equity (ROE) | 6.2558% | 3,749 |
| Retained earnings to average equity (ytd only) | 4.7684% | 2,811 |
| Net charge-offs to loans | 0.1880% | 4,641 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 6.4526% | 2,513 |
| Efficiency ratio | 82.8387% | 1,907 |
| Assets per employee ($millions) | 3.1245% | 5,858 |
| Cash dividends to net income (ytd only)* | 23.7762% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 4,615 |
| Loan loss allowance to noncurrent loans | 124.3568% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 1.1949% | 4,246 |
| Noncurrent loans to loans | 1.0985% | 4,512 |
| Net loans and leases to total assets | 69.8081% | 2,069 |
| Net loans and leases to deposits | 80.8123% | 2,387 |
| Net loans and leases to core deposits | 83.4880% | 2,959 |
| Total domestic deposits to total assets | 86.3830% | 3,090 |
| Equity capital to assets | 9.1229% | 5,382 |
| Core capital (leverage) ratio | 10.0876% | 3,237 |
| Tier 1 risk-based capital ratio | 15.2396% | 3,488 |
| Total risk-based capital ratio | 16.4554% | 3,474 |
| Memoranda: | ||
| Average total assets | $71,218,400 | 5,714 |
| Average earning assets | $63,123,800 | 5,764 |
| Average equity | $6,857,600 | 5,906 |
| Average total loans | $50,528,000 | 5,245 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3938% | 1,531 |
| Cost of funding earning assets | 0.7476% | 5,480 |
| Net interest margin | 4.6462% | 856 |
| Noninterest income to average assets | 0.8367% | 1,895 |
| Noninterest expense to average assets | 4.1872% | 810 |
| Loan and lease loss provision to assets | 0.0360% | 5,987 |
| Net operating income to assets | 0.6204% | 4,008 |
| Return on assets (ROA) | 0.6204% | 4,184 |
| Pretax return on assets | 0.7285% | 4,385 |
| Return on Equity (ROE) | 6.3539% | 3,848 |
| Retained earnings to average equity (ytd only) | 4.3719% | 3,619 |
| Net charge-offs to loans | 0.2512% | 3,858 |
| Credit loss provision to net charge-offs | 20.2128% | 5,552 |
| Earnings coverage of net charge-offs (x) | 4.2872% | 3,120 |
| Efficiency ratio | 84.5594% | 1,680 |
| Assets per employee ($millions) | 2.9927% | 6,131 |
| Cash dividends to net income (ytd only)* | 31.1934% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 5,267 |
| Loan loss allowance to noncurrent loans | 116.9065% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 4,521 |
| Noncurrent loans to loans | 1.0661% | 4,784 |
| Net loans and leases to total assets | 71.7100% | 1,774 |
| Net loans and leases to deposits | 79.5653% | 2,709 |
| Net loans and leases to core deposits | 82.1936% | 3,297 |
| Total domestic deposits to total assets | 90.1273% | 799 |
| Equity capital to assets | 9.7781% | 4,657 |
| Core capital (leverage) ratio | 10.2259% | 3,165 |
| Tier 1 risk-based capital ratio | 15.3532% | 3,458 |
| Total risk-based capital ratio | 16.5465% | 3,465 |
| Memoranda: | ||
| Average total assets | $70,276,250 | 5,774 |
| Average earning assets | $62,243,250 | 5,833 |
| Average equity | $6,861,750 | 5,942 |
| Average total loans | $49,892,000 | 5,309 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3852% | 1,610 |
| Cost of funding earning assets | 0.7679% | 5,574 |
| Net interest margin | 4.6173% | 881 |
| Noninterest income to average assets | 0.8343% | 1,869 |
| Noninterest expense to average assets | 4.2001% | 830 |
| Loan and lease loss provision to assets | 0.0258% | 5,980 |
| Net operating income to assets | 0.5992% | 4,067 |
| Return on assets (ROA) | 0.5992% | 4,206 |
| Pretax return on assets | 0.6766% | 4,474 |
| Return on Equity (ROE) | 6.1398% | 3,892 |
| Retained earnings to average equity (ytd only) | 5.3173% | 2,796 |
| Net charge-offs to loans | 0.3826% | 3,028 |
| Credit loss provision to net charge-offs | 9.5745% | 5,251 |
| Earnings coverage of net charge-offs (x) | 2.6064% | 3,522 |
| Efficiency ratio | 85.6725% | 1,633 |
| Assets per employee ($millions) | 2.9330% | 6,230 |
| Cash dividends to net income (ytd only)* | 13.3971% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 5,051 |
| Loan loss allowance to noncurrent loans | 129.0323% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 1.0697% | 4,744 |
| Noncurrent loans to loans | 1.0095% | 4,977 |
| Net loans and leases to total assets | 68.8895% | 2,436 |
| Net loans and leases to deposits | 76.5027% | 3,375 |
| Net loans and leases to core deposits | 79.0751% | 3,920 |
| Total domestic deposits to total assets | 90.0484% | 953 |
| Equity capital to assets | 9.8535% | 4,325 |
| Core capital (leverage) ratio | 10.2216% | 3,007 |
| Tier 1 risk-based capital ratio | 16.1188% | 2,921 |
| Total risk-based capital ratio | 17.3704% | 2,889 |
| Memoranda: | ||
| Average total assets | $69,760,330 | 5,835 |
| Average earning assets | $61,464,670 | 5,911 |
| Average equity | $6,808,000 | 5,982 |
| Average total loans | $49,137,670 | 5,391 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3820% | 1,637 |
| Cost of funding earning assets | 0.7726% | 5,734 |
| Net interest margin | 4.6094% | 847 |
| Noninterest income to average assets | 0.7085% | 2,528 |
| Noninterest expense to average assets | 4.0262% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6624% | 3,695 |
| Return on assets (ROA) | 0.6624% | 3,768 |
| Pretax return on assets | 0.7373% | 4,158 |
| Return on Equity (ROE) | 6.8209% | 3,479 |
| Retained earnings to average equity (ytd only) | 5.1601% | 3,084 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5224% | 1,896 |
| Assets per employee ($millions) | 2.9783% | 6,185 |
| Cash dividends to net income (ytd only)* | 24.3478% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 4,361 |
| Loan loss allowance to noncurrent loans | 136.7925% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 1.2353% | 4,484 |
| Noncurrent loans to loans | 1.0724% | 4,905 |
| Net loans and leases to total assets | 68.1287% | 2,519 |
| Net loans and leases to deposits | 75.3625% | 3,525 |
| Net loans and leases to core deposits | 77.8392% | 4,043 |
| Total domestic deposits to total assets | 90.4012% | 895 |
| Equity capital to assets | 9.5134% | 4,417 |
| Core capital (leverage) ratio | 10.4400% | 2,667 |
| Tier 1 risk-based capital ratio | 14.8487% | 3,505 |
| Total risk-based capital ratio | 16.1020% | 3,468 |
| Memoranda: | ||
| Average total assets | $69,445,000 | 5,878 |
| Average earning assets | $61,093,000 | 5,963 |
| Average equity | $6,744,000 | 6,007 |
| Average total loans | $49,140,500 | 5,434 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5566% | 2,062 |
| Cost of funding earning assets | 0.9556% | 5,908 |
| Net interest margin | 4.6010% | 1,012 |
| Noninterest income to average assets | 0.6997% | 2,844 |
| Noninterest expense to average assets | 3.9860% | 1,178 |
| Loan and lease loss provision to assets | 0.5097% | 3,116 |
| Net operating income to assets | 0.1818% | 5,333 |
| Return on assets (ROA) | 0.2475% | 5,271 |
| Pretax return on assets | 0.3064% | 5,213 |
| Return on Equity (ROE) | 2.4872% | 5,192 |
| Retained earnings to average equity (ytd only) | 1.9986% | 4,469 |
| Net charge-offs to loans | 0.7127% | 2,874 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 1.4422% | 4,679 |
| Efficiency ratio | 84.4306% | 1,875 |
| Assets per employee ($millions) | 2.8088% | 6,513 |
| Cash dividends to net income (ytd only)* | 19.6429% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 4,102 |
| Loan loss allowance to noncurrent loans | 107.8869% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 1.4715% | 4,116 |
| Noncurrent loans to loans | 1.3754% | 4,424 |
| Net loans and leases to total assets | 71.4027% | 2,217 |
| Net loans and leases to deposits | 79.3492% | 3,280 |
| Net loans and leases to core deposits | 82.1203% | 3,894 |
| Total domestic deposits to total assets | 89.9855% | 1,109 |
| Equity capital to assets | 9.9211% | 3,852 |
| Core capital (leverage) ratio | 10.2388% | 2,828 |
| Tier 1 risk-based capital ratio | 15.0472% | 3,217 |
| Total risk-based capital ratio | 16.3010% | 3,171 |
| Memoranda: | ||
| Average total assets | $67,888,400 | 5,936 |
| Average earning assets | $59,335,200 | 6,014 |
| Average equity | $6,754,600 | 6,119 |
| Average total loans | $48,549,400 | 5,538 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5026% | 2,425 |
| Cost of funding earning assets | 0.9807% | 6,031 |
| Net interest margin | 4.5219% | 1,210 |
| Noninterest income to average assets | 0.7920% | 2,277 |
| Noninterest expense to average assets | 3.9112% | 1,183 |
| Loan and lease loss provision to assets | 0.5078% | 2,919 |
| Net operating income to assets | 0.2470% | 5,363 |
| Return on assets (ROA) | 0.2470% | 5,518 |
| Pretax return on assets | 0.3235% | 5,436 |
| Return on Equity (ROE) | 2.4811% | 5,440 |
| Retained earnings to average equity (ytd only) | 1.8313% | 5,044 |
| Net charge-offs to loans | 0.7124% | 2,639 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 1.6371% | 4,483 |
| Efficiency ratio | 82.4721% | 2,010 |
| Assets per employee ($millions) | 2.9098% | 6,347 |
| Cash dividends to net income (ytd only)* | 26.1905% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 4,004 |
| Loan loss allowance to noncurrent loans | 110.8563% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.6539% | 3,959 |
| Noncurrent loans to loans | 1.3451% | 4,613 |
| Net loans and leases to total assets | 68.5841% | 3,073 |
| Net loans and leases to deposits | 76.2392% | 4,140 |
| Net loans and leases to core deposits | 81.4915% | 4,320 |
| Total domestic deposits to total assets | 89.9590% | 898 |
| Equity capital to assets | 9.8219% | 4,389 |
| Core capital (leverage) ratio | 10.0625% | 3,191 |
| Tier 1 risk-based capital ratio | 14.7108% | 3,387 |
| Total risk-based capital ratio | 15.9229% | 3,387 |
| Memoranda: | ||
| Average total assets | $68,007,500 | 6,002 |
| Average earning assets | $59,412,500 | 6,081 |
| Average equity | $6,771,250 | 6,190 |
| Average total loans | $48,472,000 | 5,619 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4812% | 2,610 |
| Cost of funding earning assets | 0.9963% | 6,163 |
| Net interest margin | 4.4849% | 1,236 |
| Noninterest income to average assets | 0.7953% | 2,143 |
| Noninterest expense to average assets | 3.8962% | 1,189 |
| Loan and lease loss provision to assets | 0.5430% | 2,604 |
| Net operating income to assets | 0.2493% | 5,378 |
| Return on assets (ROA) | 0.2493% | 5,517 |
| Pretax return on assets | 0.2700% | 5,597 |
| Return on Equity (ROE) | 2.4918% | 5,469 |
| Retained earnings to average equity (ytd only) | 1.9875% | 4,870 |
| Net charge-offs to loans | 1.0656% | 1,766 |
| Credit loss provision to net charge-offs | 70.9302% | 4,945 |
| Earnings coverage of net charge-offs (x) | 1.0620% | 4,728 |
| Efficiency ratio | 82.7347% | 2,073 |
| Assets per employee ($millions) | 2.8386% | 6,485 |
| Cash dividends to net income (ytd only)* | 20.2381% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 4,747 |
| Loan loss allowance to noncurrent loans | 101.7214% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 1.5721% | 4,101 |
| Noncurrent loans to loans | 1.3132% | 4,755 |
| Net loans and leases to total assets | 70.4713% | 2,799 |
| Net loans and leases to deposits | 78.3479% | 3,906 |
| Net loans and leases to core deposits | 83.5814% | 4,194 |
| Total domestic deposits to total assets | 89.9467% | 940 |
| Equity capital to assets | 9.9491% | 4,078 |
| Core capital (leverage) ratio | 10.3279% | 2,793 |
| Tier 1 risk-based capital ratio | 15.6669% | 2,818 |
| Total risk-based capital ratio | 16.9401% | 2,776 |
| Memoranda: | ||
| Average total assets | $67,398,670 | 6,054 |
| Average earning assets | $58,819,670 | 6,148 |
| Average equity | $6,742,000 | 6,222 |
| Average total loans | $48,422,670 | 5,671 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5733% | 2,271 |
| Cost of funding earning assets | 1.0133% | 6,312 |
| Net interest margin | 4.5600% | 1,029 |
| Noninterest income to average assets | 0.7578% | 2,251 |
| Noninterest expense to average assets | 3.9681% | 1,078 |
| Loan and lease loss provision to assets | 0.2327% | 4,177 |
| Net operating income to assets | 0.5012% | 4,385 |
| Return on assets (ROA) | 0.5012% | 4,527 |
| Pretax return on assets | 0.5311% | 4,851 |
| Return on Equity (ROE) | 4.9970% | 4,363 |
| Retained earnings to average equity (ytd only) | 3.9857% | 3,755 |
| Net charge-offs to loans | 0.0166% | 5,349 |
| Credit loss provision to net charge-offs | 1,950.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 478 |
| Efficiency ratio | 83.8588% | 2,037 |
| Assets per employee ($millions) | 2.8425% | 6,543 |
| Cash dividends to net income (ytd only)* | 20.2381% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 3,537 |
| Loan loss allowance to noncurrent loans | 73.8372% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.8162% | 3,762 |
| Noncurrent loans to loans | 2.1375% | 3,603 |
| Net loans and leases to total assets | 69.6555% | 3,020 |
| Net loans and leases to deposits | 77.3938% | 4,147 |
| Net loans and leases to core deposits | 77.3938% | 5,099 |
| Total domestic deposits to total assets | 90.0015% | 985 |
| Equity capital to assets | 9.8959% | 4,000 |
| Core capital (leverage) ratio | 10.5694% | 2,556 |
| Tier 1 risk-based capital ratio | 15.7626% | 2,747 |
| Total risk-based capital ratio | 16.9986% | 2,701 |
| Memoranda: | ||
| Average total assets | $67,034,500 | 6,136 |
| Average earning assets | $58,421,500 | 6,229 |
| Average equity | $6,724,000 | 6,278 |
| Average total loans | $48,304,000 | 5,745 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7093% | 3,054 |
| Cost of funding earning assets | 1.5351% | 5,356 |
| Net interest margin | 4.1742% | 2,154 |
| Noninterest income to average assets | 0.8668% | 2,099 |
| Noninterest expense to average assets | 4.2118% | 1,086 |
| Loan and lease loss provision to assets | 0.2276% | 5,548 |
| Net operating income to assets | 0.0920% | 5,231 |
| Return on assets (ROA) | 0.1779% | 5,037 |
| Pretax return on assets | 0.2337% | 4,931 |
| Return on Equity (ROE) | 1.8329% | 4,969 |
| Retained earnings to average equity (ytd only) | 1.3203% | 4,121 |
| Net charge-offs to loans | 0.2661% | 4,954 |
| Credit loss provision to net charge-offs | 119.8413% | 4,474 |
| Earnings coverage of net charge-offs (x) | 1.8333% | 4,351 |
| Efficiency ratio | 92.3636% | 1,534 |
| Assets per employee ($millions) | 2.7437% | 6,771 |
| Cash dividends to net income (ytd only)* | 27.9661% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 3,728 |
| Loan loss allowance to noncurrent loans | 83.8150% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.6082% | 3,962 |
| Noncurrent loans to loans | 1.7899% | 3,958 |
| Net loans and leases to total assets | 72.2896% | 2,682 |
| Net loans and leases to deposits | 80.5598% | 3,880 |
| Net loans and leases to core deposits | 91.8319% | 4,906 |
| Total domestic deposits to total assets | 89.7341% | 1,089 |
| Equity capital to assets | 10.1702% | 3,538 |
| Core capital (leverage) ratio | 10.4685% | 2,639 |
| Tier 1 risk-based capital ratio | 15.6043% | 2,673 |
| Total risk-based capital ratio | 16.8598% | 2,623 |
| Memoranda: | ||
| Average total assets | $66,337,200 | 6,132 |
| Average earning assets | $58,693,200 | 6,187 |
| Average equity | $6,438,000 | 6,448 |
| Average total loans | $47,351,600 | 5,789 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6253% | 3,718 |
| Cost of funding earning assets | 1.6308% | 5,253 |
| Net interest margin | 3.9946% | 2,847 |
| Noninterest income to average assets | 0.7985% | 2,437 |
| Noninterest expense to average assets | 4.1889% | 1,045 |
| Loan and lease loss provision to assets | 0.2347% | 5,098 |
| Net operating income to assets | -0.0441% | 5,789 |
| Return on assets (ROA) | -0.0441% | 5,842 |
| Pretax return on assets | -0.0722% | 5,810 |
| Return on Equity (ROE) | -0.4602% | 5,849 |
| Retained earnings to average equity (ytd only) | -1.1506% | 5,530 |
| Net charge-offs to loans | 0.3312% | 3,980 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 0.6923% | 5,341 |
| Efficiency ratio | 96.2656% | 1,262 |
| Assets per employee ($millions) | 2.3468% | 7,446 |
| Cash dividends to net income (ytd only)* | -150.0170% | 8,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 3,604 |
| Loan loss allowance to noncurrent loans | 56.2249% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 2.2264% | 3,062 |
| Noncurrent loans to loans | 2.6122% | 2,892 |
| Net loans and leases to total assets | 71.4660% | 3,162 |
| Net loans and leases to deposits | 79.8602% | 4,411 |
| Net loans and leases to core deposits | 91.4902% | 5,283 |
| Total domestic deposits to total assets | 89.4888% | 970 |
| Equity capital to assets | 9.7259% | 4,460 |
| Core capital (leverage) ratio | 10.1696% | 3,094 |
| Tier 1 risk-based capital ratio | 15.3972% | 2,867 |
| Total risk-based capital ratio | 16.6254% | 2,819 |
| Memoranda: | ||
| Average total assets | $66,459,250 | 6,172 |
| Average earning assets | $59,112,000 | 6,207 |
| Average equity | $6,373,250 | 6,530 |
| Average total loans | $47,107,750 | 5,845 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5369% | 4,402 |
| Cost of funding earning assets | 1.6779% | 5,378 |
| Net interest margin | 3.8591% | 3,295 |
| Noninterest income to average assets | 0.7765% | 2,539 |
| Noninterest expense to average assets | 4.0624% | 1,235 |
| Loan and lease loss provision to assets | 0.2249% | 4,781 |
| Net operating income to assets | -0.0120% | 5,871 |
| Return on assets (ROA) | -0.0120% | 5,941 |
| Pretax return on assets | -0.0630% | 5,953 |
| Return on Equity (ROE) | -0.1256% | 5,946 |
| Retained earnings to average equity (ytd only) | -1.0051% | 5,486 |
| Net charge-offs to loans | 0.3197% | 3,585 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 0.7200% | 5,001 |
| Efficiency ratio | 96.1675% | 1,362 |
| Assets per employee ($millions) | 2.3965% | 7,433 |
| Cash dividends to net income (ytd only)* | -700.0000% | 8,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 3,279 |
| Loan loss allowance to noncurrent loans | 34.5338% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 3.3099% | 1,881 |
| Noncurrent loans to loans | 4.3011% | 1,525 |
| Net loans and leases to total assets | 69.1887% | 3,904 |
| Net loans and leases to deposits | 77.0944% | 5,019 |
| Net loans and leases to core deposits | 88.1219% | 5,712 |
| Total domestic deposits to total assets | 89.7455% | 940 |
| Equity capital to assets | 9.4766% | 4,643 |
| Core capital (leverage) ratio | 10.3394% | 2,959 |
| Tier 1 risk-based capital ratio | 15.3645% | 2,870 |
| Total risk-based capital ratio | 16.6196% | 2,799 |
| Memoranda: | ||
| Average total assets | $66,708,670 | 6,198 |
| Average earning assets | $59,600,000 | 6,246 |
| Average equity | $6,367,330 | 6,587 |
| Average total loans | $46,923,330 | 5,891 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4898% | 4,968 |
| Cost of funding earning assets | 1.7546% | 5,336 |
| Net interest margin | 3.7352% | 3,734 |
| Noninterest income to average assets | 0.7397% | 2,657 |
| Noninterest expense to average assets | 3.9933% | 1,195 |
| Loan and lease loss provision to assets | 0.0481% | 6,370 |
| Net operating income to assets | 0.0541% | 6,113 |
| Return on assets (ROA) | 0.0541% | 6,267 |
| Pretax return on assets | 0.0782% | 6,215 |
| Return on Equity (ROE) | 0.5650% | 6,260 |
| Retained earnings to average equity (ytd only) | -1.1928% | 5,933 |
| Net charge-offs to loans | 0.0683% | 4,517 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 2.6250% | 3,447 |
| Efficiency ratio | 96.9343% | 1,270 |
| Assets per employee ($millions) | 2.4674% | 7,344 |
| Cash dividends to net income (ytd only)* | 311.1111% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 3,005 |
| Loan loss allowance to noncurrent loans | 58.4307% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 1.9685% | 2,953 |
| Noncurrent loans to loans | 2.5633% | 2,572 |
| Net loans and leases to total assets | 66.6363% | 4,430 |
| Net loans and leases to deposits | 73.9788% | 5,482 |
| Net loans and leases to core deposits | 83.1563% | 6,133 |
| Total domestic deposits to total assets | 90.0748% | 765 |
| Equity capital to assets | 9.2304% | 5,044 |
| Core capital (leverage) ratio | 10.5451% | 2,878 |
| Tier 1 risk-based capital ratio | 15.5094% | 2,853 |
| Total risk-based capital ratio | 16.7626% | 2,785 |
| Memoranda: | ||
| Average total assets | $66,512,000 | 6,230 |
| Average earning assets | $60,184,000 | 6,254 |
| Average equity | $6,371,500 | 6,632 |
| Average total loans | $46,821,500 | 5,923 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2786% | 4,077 |
| Cost of funding earning assets | 2.3277% | 5,020 |
| Net interest margin | 3.9508% | 3,358 |
| Noninterest income to average assets | 0.8558% | 2,193 |
| Noninterest expense to average assets | 4.2005% | 1,147 |
| Loan and lease loss provision to assets | 0.1026% | 6,067 |
| Net operating income to assets | 0.1282% | 6,027 |
| Return on assets (ROA) | 0.1282% | 5,873 |
| Pretax return on assets | 0.0753% | 5,999 |
| Return on Equity (ROE) | 1.1951% | 5,856 |
| Retained earnings to average equity (ytd only) | -0.2689% | 5,365 |
| Net charge-offs to loans | 0.1366% | 4,856 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 1.7344% | 5,208 |
| Efficiency ratio | 95.9370% | 1,160 |
| Assets per employee ($millions) | 2.2835% | 7,589 |
| Cash dividends to net income (ytd only)* | 122.5000% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 2,734 |
| Loan loss allowance to noncurrent loans | 61.3497% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 2.1208% | 2,317 |
| Noncurrent loans to loans | 2.4325% | 2,254 |
| Net loans and leases to total assets | 72.2680% | 3,524 |
| Net loans and leases to deposits | 80.9822% | 4,875 |
| Net loans and leases to core deposits | 92.1246% | 5,625 |
| Total domestic deposits to total assets | 89.2394% | 946 |
| Equity capital to assets | 9.9567% | 4,090 |
| Core capital (leverage) ratio | 10.8037% | 2,740 |
| Tier 1 risk-based capital ratio | 15.7787% | 2,752 |
| Total risk-based capital ratio | 17.0524% | 2,684 |
| Memoranda: | ||
| Average total assets | $62,398,000 | 6,302 |
| Average earning assets | $55,633,800 | 6,349 |
| Average equity | $6,694,200 | 6,569 |
| Average total loans | $46,851,400 | 5,829 |