Home > BankPacific, Ltd > Performance and Condition Ratios
BankPacific, Ltd, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2865% | 1,514 |
| Cost of funding earning assets | 0.0114% | 4,512 |
| Net interest margin | 5.2751% | 244 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 4.4162% | 289 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9203% | 2,487 |
| Return on assets (ROA) | 0.9203% | 2,457 |
| Pretax return on assets | 1.1597% | 2,242 |
| Return on Equity (ROE) | 9.0400% | 2,747 |
| Retained earnings to average equity (ytd only) | 7.2335% | 1,817 |
| Net charge-offs to loans | 0.1412% | 718 |
| Credit loss provision to net charge-offs | 98.5075% | 1,866 |
| Earnings coverage of net charge-offs (x) | 17.5448% | 1,970 |
| Efficiency ratio | 76.8540% | 1,177 |
| Assets per employee ($millions) | 1.9806% | 4,450 |
| Cash dividends to net income (ytd only)* | 19.9886% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8877% | 3,756 |
| Loan loss allowance to noncurrent loans | 22.1617% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 2.0504% | 134 |
| Noncurrent loans to loans | 4.0058% | 84 |
| Net loans and leases to total assets | 50.7300% | 3,549 |
| Net loans and leases to deposits | 57.6126% | 3,642 |
| Net loans and leases to core deposits | 66.6536% | 3,467 |
| Total domestic deposits to total assets | 76.5400% | 3,889 |
| Equity capital to assets | 10.6572% | 1,651 |
| Core capital (leverage) ratio | 10.8642% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1606% | 371 |
| Memoranda: | ||
| Average total assets | $191,341,600 | 3,042 |
| Average earning assets | $174,783,800 | 3,055 |
| Average equity | $19,478,800 | 2,906 |
| Average total loans | $94,926,200 | 3,231 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2160% | 1,429 |
| Cost of funding earning assets | 0.0122% | 4,541 |
| Net interest margin | 5.2038% | 255 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 4.2808% | 308 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.9916% | 2,390 |
| Return on assets (ROA) | 0.9916% | 2,376 |
| Pretax return on assets | 1.2470% | 2,178 |
| Return on Equity (ROE) | 9.8500% | 2,682 |
| Retained earnings to average equity (ytd only) | 7.4266% | 2,167 |
| Net charge-offs to loans | 0.1438% | 571 |
| Credit loss provision to net charge-offs | 54.9020% | 1,874 |
| Earnings coverage of net charge-offs (x) | 18.1667% | 1,875 |
| Efficiency ratio | 75.5298% | 1,221 |
| Assets per employee ($millions) | 2.0981% | 4,467 |
| Cash dividends to net income (ytd only)* | 24.6326% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8651% | 3,836 |
| Loan loss allowance to noncurrent loans | 23.2511% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 2.0267% | 135 |
| Noncurrent loans to loans | 3.7209% | 90 |
| Net loans and leases to total assets | 50.3300% | 3,595 |
| Net loans and leases to deposits | 57.4064% | 3,638 |
| Net loans and leases to core deposits | 67.3782% | 3,358 |
| Total domestic deposits to total assets | 75.1400% | 4,086 |
| Equity capital to assets | 10.6806% | 1,478 |
| Core capital (leverage) ratio | 10.6502% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2537% | 373 |
| Memoranda: | ||
| Average total assets | $192,138,500 | 3,042 |
| Average earning assets | $175,507,250 | 3,058 |
| Average equity | $19,335,500 | 2,905 |
| Average total loans | $94,580,000 | 3,237 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1158% | 1,339 |
| Cost of funding earning assets | 0.0112% | 4,567 |
| Net interest margin | 5.1046% | 269 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 4.2139% | 307 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9741% | 2,509 |
| Return on assets (ROA) | 0.9741% | 2,498 |
| Pretax return on assets | 1.2382% | 2,259 |
| Return on Equity (ROE) | 9.8700% | 2,745 |
| Retained earnings to average equity (ytd only) | 9.8712% | 1,441 |
| Net charge-offs to loans | 0.1687% | 469 |
| Credit loss provision to net charge-offs | 15.0000% | 1,784 |
| Earnings coverage of net charge-offs (x) | 15.2125% | 1,861 |
| Efficiency ratio | 75.7616% | 1,192 |
| Assets per employee ($millions) | 2.0488% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7510% | 4,103 |
| Loan loss allowance to noncurrent loans | 18.7701% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 2.1336% | 127 |
| Noncurrent loans to loans | 4.0009% | 86 |
| Net loans and leases to total assets | 49.5500% | 3,586 |
| Net loans and leases to deposits | 56.4443% | 3,614 |
| Net loans and leases to core deposits | 66.4875% | 3,328 |
| Total domestic deposits to total assets | 74.9500% | 4,122 |
| Equity capital to assets | 10.5560% | 1,572 |
| Core capital (leverage) ratio | 10.5692% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0322% | 387 |
| Memoranda: | ||
| Average total assets | $194,640,333 | 3,037 |
| Average earning assets | $177,957,000 | 3,038 |
| Average equity | $19,207,333 | 2,928 |
| Average total loans | $94,859,667 | 3,236 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9812% | 1,261 |
| Cost of funding earning assets | 0.0132% | 4,608 |
| Net interest margin | 4.9680% | 307 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 4.1502% | 325 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.9560% | 2,668 |
| Return on assets (ROA) | 0.9560% | 2,632 |
| Pretax return on assets | 1.2116% | 2,400 |
| Return on Equity (ROE) | 10.0200% | 2,778 |
| Retained earnings to average equity (ytd only) | 10.0156% | 1,694 |
| Net charge-offs to loans | 0.2047% | 357 |
| Credit loss provision to net charge-offs | 10.2041% | 1,403 |
| Earnings coverage of net charge-offs (x) | 12.3878% | 1,609 |
| Efficiency ratio | 75.8711% | 1,180 |
| Assets per employee ($millions) | 2.0739% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7556% | 4,167 |
| Loan loss allowance to noncurrent loans | 24.0679% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.6892% | 174 |
| Noncurrent loans to loans | 3.1394% | 140 |
| Net loans and leases to total assets | 49.2400% | 3,547 |
| Net loans and leases to deposits | 55.5041% | 3,600 |
| Net loans and leases to core deposits | 64.6667% | 3,307 |
| Total domestic deposits to total assets | 76.5600% | 4,120 |
| Equity capital to assets | 9.9590% | 1,836 |
| Core capital (leverage) ratio | 9.9600% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6174% | 461 |
| Memoranda: | ||
| Average total assets | $198,739,000 | 3,048 |
| Average earning assets | $182,285,000 | 3,050 |
| Average equity | $18,970,500 | 2,981 |
| Average total loans | $95,750,500 | 3,260 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1323% | 1,398 |
| Cost of funding earning assets | 0.0133% | 4,634 |
| Net interest margin | 4.1191% | 636 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 4.0975% | 311 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.2681% | 4,397 |
| Return on assets (ROA) | 0.2681% | 4,376 |
| Pretax return on assets | 0.3404% | 4,340 |
| Return on Equity (ROE) | 2.8400% | 4,308 |
| Retained earnings to average equity (ytd only) | 2.5623% | 3,834 |
| Net charge-offs to loans | 0.3087% | 248 |
| Credit loss provision to net charge-offs | 84.5902% | 1,659 |
| Earnings coverage of net charge-offs (x) | 3.0066% | 2,482 |
| Efficiency ratio | 87.6257% | 370 |
| Assets per employee ($millions) | 2.2001% | 4,599 |
| Cash dividends to net income (ytd only)* | 9.6339% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 4,027 |
| Loan loss allowance to noncurrent loans | 26.3032% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.4252% | 235 |
| Noncurrent loans to loans | 3.0434% | 137 |
| Net loans and leases to total assets | 46.4500% | 3,776 |
| Net loans and leases to deposits | 51.7727% | 3,818 |
| Net loans and leases to core deposits | 59.6488% | 3,528 |
| Total domestic deposits to total assets | 78.0500% | 4,085 |
| Equity capital to assets | 9.1556% | 2,257 |
| Core capital (leverage) ratio | 8.8776% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9350% | 482 |
| Memoranda: | ||
| Average total assets | $193,581,800 | 3,078 |
| Average earning assets | $173,558,200 | 3,116 |
| Average equity | $18,304,200 | 3,102 |
| Average total loans | $98,813,600 | 3,171 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8299% | 1,661 |
| Cost of funding earning assets | 0.0141% | 4,670 |
| Net interest margin | 3.8158% | 930 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 4.0972% | 310 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.0356% | 4,575 |
| Return on assets (ROA) | 0.0356% | 4,547 |
| Pretax return on assets | 0.0454% | 4,542 |
| Return on Equity (ROE) | 0.3700% | 4,536 |
| Retained earnings to average equity (ytd only) | 0.0073% | 4,327 |
| Net charge-offs to loans | 0.3040% | 214 |
| Credit loss provision to net charge-offs | 110.5727% | 1,269 |
| Earnings coverage of net charge-offs (x) | 1.3921% | 2,274 |
| Efficiency ratio | 92.5728% | 265 |
| Assets per employee ($millions) | 2.1096% | 4,640 |
| Cash dividends to net income (ytd only)* | 98.0392% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 3,865 |
| Loan loss allowance to noncurrent loans | 24.8665% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.7554% | 167 |
| Noncurrent loans to loans | 3.6069% | 113 |
| Net loans and leases to total assets | 48.2300% | 3,607 |
| Net loans and leases to deposits | 54.0945% | 3,598 |
| Net loans and leases to core deposits | 63.3899% | 3,165 |
| Total domestic deposits to total assets | 76.2700% | 4,358 |
| Equity capital to assets | 9.5143% | 1,875 |
| Core capital (leverage) ratio | 9.7097% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8622% | 499 |
| Memoranda: | ||
| Average total assets | $190,825,500 | 3,118 |
| Average earning assets | $169,746,750 | 3,176 |
| Average equity | $18,197,000 | 3,148 |
| Average total loans | $99,563,250 | 3,159 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4768% | 2,200 |
| Cost of funding earning assets | 0.0131% | 4,738 |
| Net interest margin | 3.4637% | 1,411 |
| Noninterest income to average assets | 0.9756% | 708 |
| Noninterest expense to average assets | 4.0180% | 276 |
| Loan and lease loss provision to assets | 0.1943% | 441 |
| Net operating income to assets | -0.1397% | 4,625 |
| Return on assets (ROA) | -0.1397% | 4,597 |
| Pretax return on assets | -0.1796% | 4,596 |
| Return on Equity (ROE) | -1.4636% | 4,598 |
| Retained earnings to average equity (ytd only) | -1.4636% | 4,339 |
| Net charge-offs to loans | 0.3130% | 221 |
| Credit loss provision to net charge-offs | 116.3522% | 1,196 |
| Earnings coverage of net charge-offs (x) | 0.0881% | 2,103 |
| Efficiency ratio | 96.9531% | 233 |
| Assets per employee ($millions) | 1.9658% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 4,089 |
| Loan loss allowance to noncurrent loans | 13.7300% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 3.2418% | 47 |
| Noncurrent loans to loans | 6.1711% | 38 |
| Net loans and leases to total assets | 52.0872% | 3,145 |
| Net loans and leases to deposits | 58.1582% | 3,213 |
| Net loans and leases to core deposits | 68.8002% | 2,582 |
| Total domestic deposits to total assets | 75.8955% | 4,463 |
| Equity capital to assets | 9.6074% | 1,935 |
| Core capital (leverage) ratio | 9.6549% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3435% | 599 |
| Memoranda: | ||
| Average total assets | $190,442,667 | 3,161 |
| Average earning assets | $168,084,667 | 3,235 |
| Average equity | $18,174,333 | 3,223 |
| Average total loans | $101,607,333 | 3,160 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4392% | 1,974 |
| Cost of funding earning assets | 0.0144% | 4,747 |
| Net interest margin | 3.4248% | 1,248 |
| Noninterest income to average assets | 0.9702% | 723 |
| Noninterest expense to average assets | 4.0961% | 263 |
| Loan and lease loss provision to assets | 0.2133% | 331 |
| Net operating income to assets | -0.2844% | 4,661 |
| Return on assets (ROA) | -0.2844% | 4,648 |
| Pretax return on assets | -0.3638% | 4,653 |
| Return on Equity (ROE) | -2.9897% | 4,661 |
| Retained earnings to average equity (ytd only) | -2.9897% | 4,312 |
| Net charge-offs to loans | 0.3189% | 199 |
| Credit loss provision to net charge-offs | 124.3902% | 919 |
| Earnings coverage of net charge-offs (x) | -0.8780% | 1,792 |
| Efficiency ratio | 100.9009% | 231 |
| Assets per employee ($millions) | 1.9227% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8182% | 4,210 |
| Loan loss allowance to noncurrent loans | 33.1874% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.3202% | 303 |
| Noncurrent loans to loans | 2.4654% | 246 |
| Net loans and leases to total assets | 53.1131% | 2,862 |
| Net loans and leases to deposits | 59.2611% | 2,972 |
| Net loans and leases to core deposits | 69.8309% | 2,305 |
| Total domestic deposits to total assets | 76.2455% | 4,489 |
| Equity capital to assets | 9.5239% | 2,261 |
| Core capital (leverage) ratio | 9.7668% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0856% | 745 |
| Memoranda: | ||
| Average total assets | $191,304,000 | 3,161 |
| Average earning assets | $166,201,000 | 3,264 |
| Average equity | $18,196,000 | 3,309 |
| Average total loans | $102,841,500 | 3,148 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5822% | 2,436 |
| Cost of funding earning assets | 0.0422% | 4,716 |
| Net interest margin | 3.5400% | 1,628 |
| Noninterest income to average assets | 1.5192% | 491 |
| Noninterest expense to average assets | 4.1746% | 259 |
| Loan and lease loss provision to assets | 0.1737% | 661 |
| Net operating income to assets | 0.3332% | 4,381 |
| Return on assets (ROA) | 0.3332% | 4,401 |
| Pretax return on assets | 0.4132% | 4,378 |
| Return on Equity (ROE) | 3.5083% | 4,292 |
| Retained earnings to average equity (ytd only) | 3.0900% | 3,597 |
| Net charge-offs to loans | 0.1924% | 509 |
| Credit loss provision to net charge-offs | 151.1521% | 1,490 |
| Earnings coverage of net charge-offs (x) | 5.1060% | 2,464 |
| Efficiency ratio | 84.1473% | 562 |
| Assets per employee ($millions) | 1.9821% | 4,768 |
| Cash dividends to net income (ytd only)* | 11.9237% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 4,290 |
| Loan loss allowance to noncurrent loans | 33.3197% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.2904% | 362 |
| Noncurrent loans to loans | 2.3547% | 296 |
| Net loans and leases to total assets | 53.5396% | 2,904 |
| Net loans and leases to deposits | 59.7202% | 3,100 |
| Net loans and leases to core deposits | 70.7021% | 2,383 |
| Total domestic deposits to total assets | 75.9098% | 4,514 |
| Equity capital to assets | 9.4994% | 3,150 |
| Core capital (leverage) ratio | 9.9189% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5354% | 696 |
| Memoranda: | ||
| Average total assets | $188,786,200 | 3,138 |
| Average earning assets | $172,910,800 | 3,153 |
| Average equity | $17,929,000 | 3,392 |
| Average total loans | $112,780,400 | 3,030 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 2,540 |
| Cost of funding earning assets | 0.0514% | 4,772 |
| Net interest margin | 3.5554% | 1,714 |
| Noninterest income to average assets | 1.5872% | 498 |
| Noninterest expense to average assets | 4.3117% | 240 |
| Loan and lease loss provision to assets | 0.2219% | 445 |
| Net operating income to assets | 0.2795% | 4,547 |
| Return on assets (ROA) | 0.2795% | 4,570 |
| Pretax return on assets | 0.3434% | 4,555 |
| Return on Equity (ROE) | 2.9438% | 4,471 |
| Retained earnings to average equity (ytd only) | 2.3834% | 4,086 |
| Net charge-offs to loans | 0.2446% | 337 |
| Credit loss provision to net charge-offs | 148.3412% | 1,363 |
| Earnings coverage of net charge-offs (x) | 3.7773% | 2,292 |
| Efficiency ratio | 84.7832% | 485 |
| Assets per employee ($millions) | 1.9758% | 4,843 |
| Cash dividends to net income (ytd only)* | 19.0355% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7398% | 4,439 |
| Loan loss allowance to noncurrent loans | 30.2404% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.4853% | 331 |
| Noncurrent loans to loans | 2.4464% | 311 |
| Net loans and leases to total assets | 59.4176% | 2,329 |
| Net loans and leases to deposits | 66.6192% | 2,575 |
| Net loans and leases to core deposits | 80.0022% | 1,732 |
| Total domestic deposits to total assets | 74.4647% | 4,620 |
| Equity capital to assets | 9.9183% | 2,981 |
| Core capital (leverage) ratio | 9.8018% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8418% | 843 |
| Memoranda: | ||
| Average total assets | $187,916,500 | 3,181 |
| Average earning assets | $173,891,750 | 3,179 |
| Average equity | $17,845,250 | 3,442 |
| Average total loans | $115,037,500 | 3,038 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6176% | 2,564 |
| Cost of funding earning assets | 0.0637% | 4,771 |
| Net interest margin | 3.5539% | 1,697 |
| Noninterest income to average assets | 1.5929% | 489 |
| Noninterest expense to average assets | 4.3156% | 238 |
| Loan and lease loss provision to assets | 0.2769% | 331 |
| Net operating income to assets | 0.2316% | 4,603 |
| Return on assets (ROA) | 0.2316% | 4,616 |
| Pretax return on assets | 0.2895% | 4,595 |
| Return on Equity (ROE) | 2.4741% | 4,547 |
| Retained earnings to average equity (ytd only) | 2.4741% | 4,004 |
| Net charge-offs to loans | 0.2903% | 304 |
| Credit loss provision to net charge-offs | 154.7059% | 1,153 |
| Earnings coverage of net charge-offs (x) | 3.1647% | 2,088 |
| Efficiency ratio | 84.7531% | 520 |
| Assets per employee ($millions) | 2.0667% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7131% | 4,515 |
| Loan loss allowance to noncurrent loans | 31.1546% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.3788% | 448 |
| Noncurrent loans to loans | 2.2889% | 383 |
| Net loans and leases to total assets | 58.9309% | 2,550 |
| Net loans and leases to deposits | 65.6920% | 2,854 |
| Net loans and leases to core deposits | 78.6456% | 1,991 |
| Total domestic deposits to total assets | 75.1204% | 4,611 |
| Equity capital to assets | 9.5339% | 3,303 |
| Core capital (leverage) ratio | 9.5201% | 2,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1287% | 932 |
| Memoranda: | ||
| Average total assets | $189,963,333 | 3,174 |
| Average earning assets | $175,805,333 | 3,167 |
| Average equity | $17,784,000 | 3,448 |
| Average total loans | $117,112,667 | 3,032 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 2,229 |
| Cost of funding earning assets | 0.0632% | 4,814 |
| Net interest margin | 3.6918% | 1,347 |
| Noninterest income to average assets | 1.0066% | 1,118 |
| Noninterest expense to average assets | 4.2630% | 238 |
| Loan and lease loss provision to assets | 0.0607% | 1,908 |
| Net operating income to assets | 0.0858% | 4,721 |
| Return on assets (ROA) | 0.0858% | 4,732 |
| Pretax return on assets | 0.1046% | 4,726 |
| Return on Equity (ROE) | 0.9173% | 4,720 |
| Retained earnings to average equity (ytd only) | 0.9173% | 4,233 |
| Net charge-offs to loans | 0.2265% | 371 |
| Credit loss provision to net charge-offs | 42.6471% | 1,342 |
| Earnings coverage of net charge-offs (x) | 1.1618% | 1,865 |
| Efficiency ratio | 92.2968% | 320 |
| Assets per employee ($millions) | 1.9958% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5665% | 4,721 |
| Loan loss allowance to noncurrent loans | 14.8546% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 2.3915% | 178 |
| Noncurrent loans to loans | 3.8138% | 151 |
| Net loans and leases to total assets | 60.8276% | 2,426 |
| Net loans and leases to deposits | 67.6374% | 2,741 |
| Net loans and leases to core deposits | 82.9445% | 1,758 |
| Total domestic deposits to total assets | 73.5200% | 4,689 |
| Equity capital to assets | 9.3422% | 3,342 |
| Core capital (leverage) ratio | 9.4164% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3230% | 1,022 |
| Memoranda: | ||
| Average total assets | $191,134,000 | 3,155 |
| Average earning assets | $177,150,000 | 3,149 |
| Average equity | $17,878,500 | 3,433 |
| Average total loans | $120,074,500 | 3,017 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 987 |
| Cost of funding earning assets | 0.0833% | 4,905 |
| Net interest margin | 4.5697% | 283 |
| Noninterest income to average assets | 1.2387% | 730 |
| Noninterest expense to average assets | 4.7224% | 220 |
| Loan and lease loss provision to assets | 0.2361% | 1,645 |
| Net operating income to assets | 0.3925% | 4,262 |
| Return on assets (ROA) | 0.3925% | 4,343 |
| Pretax return on assets | 0.4900% | 4,290 |
| Return on Equity (ROE) | 3.7761% | 4,207 |
| Retained earnings to average equity (ytd only) | 3.7761% | 2,931 |
| Net charge-offs to loans | 0.1738% | 957 |
| Credit loss provision to net charge-offs | 183.7963% | 2,249 |
| Earnings coverage of net charge-offs (x) | 5.6528% | 2,848 |
| Efficiency ratio | 83.7590% | 652 |
| Assets per employee ($millions) | 1.9657% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5718% | 4,737 |
| Loan loss allowance to noncurrent loans | 14.2510% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 2.6459% | 162 |
| Noncurrent loans to loans | 4.0124% | 140 |
| Net loans and leases to total assets | 64.1094% | 2,345 |
| Net loans and leases to deposits | 71.2753% | 2,757 |
| Net loans and leases to core deposits | 84.0340% | 2,032 |
| Total domestic deposits to total assets | 76.4756% | 4,471 |
| Equity capital to assets | 9.3657% | 3,725 |
| Core capital (leverage) ratio | 9.7898% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9051% | 1,068 |
| Memoranda: | ||
| Average total assets | $168,155,400 | 3,212 |
| Average earning assets | $154,910,400 | 3,213 |
| Average equity | $17,478,200 | 3,421 |
| Average total loans | $124,301,800 | 2,932 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9024% | 727 |
| Cost of funding earning assets | 0.0892% | 4,946 |
| Net interest margin | 4.8131% | 198 |
| Noninterest income to average assets | 1.1944% | 746 |
| Noninterest expense to average assets | 4.9115% | 195 |
| Loan and lease loss provision to assets | 0.2996% | 1,346 |
| Net operating income to assets | 0.3273% | 4,394 |
| Return on assets (ROA) | 0.3273% | 4,453 |
| Pretax return on assets | 0.4085% | 4,421 |
| Return on Equity (ROE) | 3.0603% | 4,377 |
| Retained earnings to average equity (ytd only) | 3.0603% | 3,494 |
| Net charge-offs to loans | 0.2022% | 756 |
| Credit loss provision to net charge-offs | 193.1217% | 2,136 |
| Earnings coverage of net charge-offs (x) | 4.5661% | 2,811 |
| Efficiency ratio | 84.5401% | 576 |
| Assets per employee ($millions) | 1.8863% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5596% | 4,773 |
| Loan loss allowance to noncurrent loans | 13.8602% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.8728% | 162 |
| Noncurrent loans to loans | 4.0374% | 162 |
| Net loans and leases to total assets | 69.2175% | 2,072 |
| Net loans and leases to deposits | 77.3903% | 2,605 |
| Net loans and leases to core deposits | 94.3519% | 1,607 |
| Total domestic deposits to total assets | 73.5586% | 4,602 |
| Equity capital to assets | 9.8200% | 3,406 |
| Core capital (leverage) ratio | 10.1185% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4193% | 1,157 |
| Memoranda: | ||
| Average total assets | $162,525,750 | 3,246 |
| Average earning assets | $149,420,750 | 3,251 |
| Average equity | $17,383,250 | 3,431 |
| Average total loans | $124,641,500 | 2,935 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0883% | 703 |
| Cost of funding earning assets | 0.0984% | 4,973 |
| Net interest margin | 4.9900% | 211 |
| Noninterest income to average assets | 1.0805% | 853 |
| Noninterest expense to average assets | 5.0379% | 186 |
| Loan and lease loss provision to assets | 0.3517% | 1,201 |
| Net operating income to assets | 0.2332% | 4,530 |
| Return on assets (ROA) | 0.2332% | 4,567 |
| Pretax return on assets | 0.2803% | 4,558 |
| Return on Equity (ROE) | 2.1141% | 4,512 |
| Retained earnings to average equity (ytd only) | 2.1141% | 3,707 |
| Net charge-offs to loans | 0.1653% | 904 |
| Credit loss provision to net charge-offs | 267.9612% | 1,698 |
| Earnings coverage of net charge-offs (x) | 4.8155% | 2,569 |
| Efficiency ratio | 86.2022% | 527 |
| Assets per employee ($millions) | 1.7333% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5584% | 4,786 |
| Loan loss allowance to noncurrent loans | 12.3754% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 3.4068% | 119 |
| Noncurrent loans to loans | 4.5120% | 133 |
| Net loans and leases to total assets | 73.6161% | 1,457 |
| Net loans and leases to deposits | 82.7741% | 2,114 |
| Net loans and leases to core deposits | 101.7443% | 1,132 |
| Total domestic deposits to total assets | 72.5646% | 4,681 |
| Equity capital to assets | 10.3376% | 2,896 |
| Core capital (leverage) ratio | 11.1217% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3903% | 1,160 |
| Memoranda: | ||
| Average total assets | $156,969,000 | 3,283 |
| Average earning assets | $144,369,667 | 3,289 |
| Average equity | $17,312,000 | 3,433 |
| Average total loans | $124,611,000 | 2,921 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3113% | 543 |
| Cost of funding earning assets | 0.1176% | 5,020 |
| Net interest margin | 5.1936% | 143 |
| Noninterest income to average assets | 1.0331% | 801 |
| Noninterest expense to average assets | 5.1867% | 203 |
| Loan and lease loss provision to assets | 0.1110% | 2,297 |
| Net operating income to assets | 0.4201% | 4,091 |
| Return on assets (ROA) | 0.4201% | 4,130 |
| Pretax return on assets | 0.5179% | 4,090 |
| Return on Equity (ROE) | 3.6811% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.6811% | 2,809 |
| Net charge-offs to loans | 0.0834% | 1,200 |
| Credit loss provision to net charge-offs | 161.5385% | 1,546 |
| Earnings coverage of net charge-offs (x) | 9.1538% | 1,830 |
| Efficiency ratio | 86.9605% | 640 |
| Assets per employee ($millions) | 1.5439% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4283% | 4,928 |
| Loan loss allowance to noncurrent loans | 10.6661% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 3.4788% | 137 |
| Noncurrent loans to loans | 4.0157% | 195 |
| Net loans and leases to total assets | 84.3859% | 242 |
| Net loans and leases to deposits | 96.4354% | 867 |
| Net loans and leases to core deposits | 117.5448% | 540 |
| Total domestic deposits to total assets | 72.0293% | 4,769 |
| Equity capital to assets | 11.7109% | 2,279 |
| Core capital (leverage) ratio | 11.5440% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1582% | 1,310 |
| Memoranda: | ||
| Average total assets | $151,387,000 | 3,308 |
| Average earning assets | $139,401,000 | 3,316 |
| Average equity | $17,277,500 | 3,444 |
| Average total loans | $124,682,500 | 2,903 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5512% | 514 |
| Cost of funding earning assets | 0.1730% | 5,012 |
| Net interest margin | 5.3782% | 135 |
| Noninterest income to average assets | 1.2417% | 612 |
| Noninterest expense to average assets | 5.3545% | 173 |
| Loan and lease loss provision to assets | 0.2002% | 1,016 |
| Net operating income to assets | 0.5023% | 4,395 |
| Return on assets (ROA) | 0.5023% | 4,451 |
| Pretax return on assets | 0.6151% | 4,385 |
| Return on Equity (ROE) | 4.3256% | 4,391 |
| Retained earnings to average equity (ytd only) | 2.8190% | 3,629 |
| Net charge-offs to loans | 0.1187% | 1,563 |
| Credit loss provision to net charge-offs | 203.4722% | 1,305 |
| Earnings coverage of net charge-offs (x) | 8.2847% | 2,786 |
| Efficiency ratio | 83.8946% | 660 |
| Assets per employee ($millions) | 1.5772% | 5,110 |
| Cash dividends to net income (ytd only)* | 34.8299% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4218% | 4,972 |
| Loan loss allowance to noncurrent loans | 15.7419% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 2.2179% | 328 |
| Noncurrent loans to loans | 2.6794% | 388 |
| Net loans and leases to total assets | 79.7318% | 823 |
| Net loans and leases to deposits | 90.5048% | 1,532 |
| Net loans and leases to core deposits | 109.0131% | 913 |
| Total domestic deposits to total assets | 73.3680% | 4,806 |
| Equity capital to assets | 11.1269% | 2,879 |
| Core capital (leverage) ratio | 11.6352% | 2,011 |
| Tier 1 risk-based capital ratio | 16.8991% | 2,082 |
| Total risk-based capital ratio | 17.4120% | 2,295 |
| Memoranda: | ||
| Average total assets | $146,326,000 | 3,341 |
| Average earning assets | $134,079,200 | 3,367 |
| Average equity | $16,992,000 | 3,436 |
| Average total loans | $121,295,800 | 2,929 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6316% | 465 |
| Cost of funding earning assets | 0.1889% | 5,056 |
| Net interest margin | 5.4427% | 133 |
| Noninterest income to average assets | 1.3031% | 549 |
| Noninterest expense to average assets | 5.4712% | 164 |
| Loan and lease loss provision to assets | 0.1432% | 1,341 |
| Net operating income to assets | 0.5471% | 4,409 |
| Return on assets (ROA) | 0.5471% | 4,465 |
| Pretax return on assets | 0.6682% | 4,414 |
| Return on Equity (ROE) | 4.6593% | 4,439 |
| Retained earnings to average equity (ytd only) | 2.6445% | 4,030 |
| Net charge-offs to loans | 0.1480% | 1,102 |
| Credit loss provision to net charge-offs | 115.6716% | 2,013 |
| Earnings coverage of net charge-offs (x) | 6.5523% | 2,828 |
| Efficiency ratio | 84.2601% | 595 |
| Assets per employee ($millions) | 1.5281% | 5,188 |
| Cash dividends to net income (ytd only)* | 43.2428% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3201% | 5,108 |
| Loan loss allowance to noncurrent loans | 15.0669% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.8674% | 510 |
| Noncurrent loans to loans | 2.1244% | 621 |
| Net loans and leases to total assets | 84.5193% | 295 |
| Net loans and leases to deposits | 100.9096% | 574 |
| Net loans and leases to core deposits | 124.7814% | 395 |
| Total domestic deposits to total assets | 68.3339% | 5,055 |
| Equity capital to assets | 11.7480% | 2,464 |
| Core capital (leverage) ratio | 11.9343% | 1,896 |
| Tier 1 risk-based capital ratio | 16.8933% | 2,120 |
| Total risk-based capital ratio | 17.2836% | 2,357 |
| Memoranda: | ||
| Average total assets | $144,267,000 | 3,411 |
| Average earning assets | $131,990,000 | 3,428 |
| Average equity | $16,940,500 | 3,465 |
| Average total loans | $120,680,500 | 2,969 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5801% | 488 |
| Cost of funding earning assets | 0.1883% | 5,100 |
| Net interest margin | 5.3918% | 152 |
| Noninterest income to average assets | 1.3851% | 456 |
| Noninterest expense to average assets | 5.5013% | 163 |
| Loan and lease loss provision to assets | 0.1334% | 1,396 |
| Net operating income to assets | 0.5515% | 4,420 |
| Return on assets (ROA) | 0.5515% | 4,451 |
| Pretax return on assets | 0.6821% | 4,371 |
| Return on Equity (ROE) | 4.6976% | 4,419 |
| Retained earnings to average equity (ytd only) | 4.6976% | 2,921 |
| Net charge-offs to loans | 0.1401% | 1,089 |
| Credit loss provision to net charge-offs | 114.2857% | 1,811 |
| Earnings coverage of net charge-offs (x) | 6.9881% | 2,530 |
| Efficiency ratio | 84.2534% | 638 |
| Assets per employee ($millions) | 1.5005% | 5,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3161% | 5,162 |
| Loan loss allowance to noncurrent loans | 19.0030% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 1.4731% | 769 |
| Noncurrent loans to loans | 1.6635% | 919 |
| Net loans and leases to total assets | 84.2856% | 333 |
| Net loans and leases to deposits | 99.8774% | 689 |
| Net loans and leases to core deposits | 125.5572% | 401 |
| Total domestic deposits to total assets | 67.7339% | 5,110 |
| Equity capital to assets | 11.8823% | 2,277 |
| Core capital (leverage) ratio | 11.8450% | 1,920 |
| Tier 1 risk-based capital ratio | 17.2920% | 2,000 |
| Total risk-based capital ratio | 17.6810% | 2,210 |
| Memoranda: | ||
| Average total assets | $143,964,670 | 3,433 |
| Average earning assets | $131,682,000 | 3,451 |
| Average equity | $16,902,330 | 3,472 |
| Average total loans | $119,876,000 | 2,993 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5224% | 505 |
| Cost of funding earning assets | 0.1731% | 5,171 |
| Net interest margin | 5.3493% | 161 |
| Noninterest income to average assets | 1.2785% | 518 |
| Noninterest expense to average assets | 5.5140% | 162 |
| Loan and lease loss provision to assets | 0.1390% | 1,242 |
| Net operating income to assets | 0.4252% | 4,678 |
| Return on assets (ROA) | 0.4252% | 4,689 |
| Pretax return on assets | 0.5197% | 4,639 |
| Return on Equity (ROE) | 3.6438% | 4,652 |
| Retained earnings to average equity (ytd only) | 3.6438% | 3,464 |
| Net charge-offs to loans | 0.1413% | 902 |
| Credit loss provision to net charge-offs | 119.0476% | 1,416 |
| Earnings coverage of net charge-offs (x) | 5.6429% | 2,250 |
| Efficiency ratio | 86.4926% | 550 |
| Assets per employee ($millions) | 1.5044% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3173% | 5,235 |
| Loan loss allowance to noncurrent loans | 17.1467% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.6219% | 701 |
| Noncurrent loans to loans | 1.8505% | 829 |
| Net loans and leases to total assets | 83.7492% | 393 |
| Net loans and leases to deposits | 100.3311% | 610 |
| Net loans and leases to core deposits | 125.5662% | 388 |
| Total domestic deposits to total assets | 67.3066% | 5,187 |
| Equity capital to assets | 11.8050% | 2,152 |
| Core capital (leverage) ratio | 11.9319% | 1,814 |
| Tier 1 risk-based capital ratio | 17.2237% | 2,043 |
| Total risk-based capital ratio | 17.6127% | 2,257 |
| Memoranda: | ||
| Average total assets | $143,924,000 | 3,466 |
| Average earning assets | $131,681,500 | 3,493 |
| Average equity | $16,795,500 | 3,496 |
| Average total loans | $118,916,500 | 3,030 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5129% | 388 |
| Cost of funding earning assets | 0.1403% | 5,204 |
| Net interest margin | 5.3726% | 140 |
| Noninterest income to average assets | 1.3497% | 501 |
| Noninterest expense to average assets | 5.5901% | 149 |
| Loan and lease loss provision to assets | 0.1019% | 2,157 |
| Net operating income to assets | 0.4408% | 4,786 |
| Return on assets (ROA) | 0.4408% | 4,782 |
| Pretax return on assets | 0.5582% | 4,709 |
| Return on Equity (ROE) | 3.7947% | 4,759 |
| Retained earnings to average equity (ytd only) | 2.3724% | 4,192 |
| Net charge-offs to loans | 0.1972% | 973 |
| Credit loss provision to net charge-offs | 65.3153% | 3,046 |
| Earnings coverage of net charge-offs (x) | 4.2297% | 3,318 |
| Efficiency ratio | 86.8294% | 484 |
| Assets per employee ($millions) | 1.4941% | 5,343 |
| Cash dividends to net income (ytd only)* | 37.4801% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3168% | 5,273 |
| Loan loss allowance to noncurrent loans | 15.3878% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 1.8727% | 534 |
| Noncurrent loans to loans | 2.0585% | 650 |
| Net loans and leases to total assets | 80.9951% | 802 |
| Net loans and leases to deposits | 92.4887% | 1,476 |
| Net loans and leases to core deposits | 115.1920% | 727 |
| Total domestic deposits to total assets | 70.9141% | 5,127 |
| Equity capital to assets | 11.5362% | 2,230 |
| Core capital (leverage) ratio | 11.7887% | 1,884 |
| Tier 1 risk-based capital ratio | 17.4400% | 1,911 |
| Total risk-based capital ratio | 17.8291% | 2,161 |
| Memoranda: | ||
| Average total assets | $142,251,000 | 3,471 |
| Average earning assets | $129,750,400 | 3,495 |
| Average equity | $16,523,200 | 3,458 |
| Average total loans | $112,592,600 | 3,101 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5210% | 345 |
| Cost of funding earning assets | 0.1416% | 5,244 |
| Net interest margin | 5.3794% | 130 |
| Noninterest income to average assets | 1.3721% | 505 |
| Noninterest expense to average assets | 5.7134% | 146 |
| Loan and lease loss provision to assets | 0.0245% | 3,527 |
| Net operating income to assets | 0.4191% | 4,916 |
| Return on assets (ROA) | 0.4191% | 4,924 |
| Pretax return on assets | 0.5368% | 4,845 |
| Return on Equity (ROE) | 3.6015% | 4,905 |
| Retained earnings to average equity (ytd only) | 1.6996% | 4,675 |
| Net charge-offs to loans | 0.2204% | 773 |
| Credit loss provision to net charge-offs | 14.1304% | 3,041 |
| Earnings coverage of net charge-offs (x) | 3.2391% | 3,182 |
| Efficiency ratio | 88.2635% | 393 |
| Assets per employee ($millions) | 1.4384% | 5,414 |
| Cash dividends to net income (ytd only)* | 52.8096% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2564% | 5,376 |
| Loan loss allowance to noncurrent loans | 12.1616% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 1.8083% | 640 |
| Noncurrent loans to loans | 2.1087% | 679 |
| Net loans and leases to total assets | 82.2461% | 672 |
| Net loans and leases to deposits | 94.4670% | 1,324 |
| Net loans and leases to core deposits | 120.1223% | 571 |
| Total domestic deposits to total assets | 69.3130% | 5,245 |
| Equity capital to assets | 11.9757% | 1,925 |
| Core capital (leverage) ratio | 11.8849% | 1,853 |
| Tier 1 risk-based capital ratio | 18.0855% | 1,765 |
| Total risk-based capital ratio | 18.4048% | 1,988 |
| Memoranda: | ||
| Average total assets | $141,582,250 | 3,521 |
| Average earning assets | $129,032,500 | 3,544 |
| Average equity | $16,474,250 | 3,489 |
| Average total loans | $111,301,750 | 3,142 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4935% | 319 |
| Cost of funding earning assets | 0.1415% | 5,279 |
| Net interest margin | 5.3520% | 134 |
| Noninterest income to average assets | 1.4011% | 484 |
| Noninterest expense to average assets | 5.7528% | 152 |
| Loan and lease loss provision to assets | 0.0364% | 3,181 |
| Net operating income to assets | 0.4105% | 4,939 |
| Return on assets (ROA) | 0.4105% | 4,943 |
| Pretax return on assets | 0.4862% | 4,928 |
| Return on Equity (ROE) | 3.5616% | 4,916 |
| Retained earnings to average equity (ytd only) | 3.5616% | 3,818 |
| Net charge-offs to loans | 0.2064% | 767 |
| Credit loss provision to net charge-offs | 22.8070% | 2,673 |
| Earnings coverage of net charge-offs (x) | 3.2719% | 2,891 |
| Efficiency ratio | 88.9708% | 412 |
| Assets per employee ($millions) | 1.4897% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3257% | 5,407 |
| Loan loss allowance to noncurrent loans | 15.4437% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 1.7241% | 704 |
| Noncurrent loans to loans | 2.1090% | 675 |
| Net loans and leases to total assets | 78.2754% | 1,269 |
| Net loans and leases to deposits | 89.7789% | 1,865 |
| Net loans and leases to core deposits | 116.1654% | 707 |
| Total domestic deposits to total assets | 68.2065% | 5,330 |
| Equity capital to assets | 11.7434% | 2,022 |
| Core capital (leverage) ratio | 11.7307% | 1,884 |
| Tier 1 risk-based capital ratio | 18.6672% | 1,631 |
| Total risk-based capital ratio | 19.0738% | 1,813 |
| Memoranda: | ||
| Average total assets | $142,747,000 | 3,533 |
| Average earning assets | $130,007,330 | 3,551 |
| Average equity | $16,453,330 | 3,510 |
| Average total loans | $110,447,670 | 3,166 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3952% | 335 |
| Cost of funding earning assets | 0.1501% | 5,269 |
| Net interest margin | 5.2451% | 152 |
| Noninterest income to average assets | 1.3226% | 537 |
| Noninterest expense to average assets | 5.7423% | 151 |
| Loan and lease loss provision to assets | 0.0698% | 2,367 |
| Net operating income to assets | 0.2400% | 5,199 |
| Return on assets (ROA) | 0.2400% | 5,197 |
| Pretax return on assets | 0.2874% | 5,180 |
| Return on Equity (ROE) | 2.1014% | 5,165 |
| Retained earnings to average equity (ytd only) | 2.1014% | 4,320 |
| Net charge-offs to loans | 0.3996% | 390 |
| Credit loss provision to net charge-offs | 22.7273% | 2,108 |
| Earnings coverage of net charge-offs (x) | 1.1636% | 2,586 |
| Efficiency ratio | 91.1253% | 394 |
| Assets per employee ($millions) | 1.4365% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3241% | 5,475 |
| Loan loss allowance to noncurrent loans | 20.5518% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 1.3164% | 1,126 |
| Noncurrent loans to loans | 1.5771% | 1,103 |
| Net loans and leases to total assets | 78.9310% | 1,095 |
| Net loans and leases to deposits | 90.2162% | 1,665 |
| Net loans and leases to core deposits | 116.9593% | 693 |
| Total domestic deposits to total assets | 68.3051% | 5,409 |
| Equity capital to assets | 11.5415% | 2,098 |
| Core capital (leverage) ratio | 11.5021% | 2,010 |
| Tier 1 risk-based capital ratio | 18.1389% | 1,794 |
| Total risk-based capital ratio | 18.5423% | 1,988 |
| Memoranda: | ||
| Average total assets | $143,357,500 | 3,556 |
| Average earning assets | $130,559,500 | 3,581 |
| Average equity | $16,370,000 | 3,546 |
| Average total loans | $110,100,500 | 3,189 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3797% | 317 |
| Cost of funding earning assets | 0.1576% | 5,218 |
| Net interest margin | 5.2222% | 164 |
| Noninterest income to average assets | 1.5797% | 419 |
| Noninterest expense to average assets | 5.7031% | 161 |
| Loan and lease loss provision to assets | 0.0715% | 2,778 |
| Net operating income to assets | 0.4070% | 4,668 |
| Return on assets (ROA) | 0.4070% | 4,692 |
| Pretax return on assets | 0.5436% | 4,857 |
| Return on Equity (ROE) | 3.5615% | 4,661 |
| Retained earnings to average equity (ytd only) | 2.2298% | 3,985 |
| Net charge-offs to loans | 0.0758% | 2,365 |
| Credit loss provision to net charge-offs | 124.6914% | 2,108 |
| Earnings coverage of net charge-offs (x) | 10.7284% | 2,643 |
| Efficiency ratio | 87.3530% | 566 |
| Assets per employee ($millions) | 1.5053% | 5,603 |
| Cash dividends to net income (ytd only)* | 37.3913% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4183% | 5,471 |
| Loan loss allowance to noncurrent loans | 36.4078% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 0.9218% | 1,676 |
| Noncurrent loans to loans | 1.1488% | 1,546 |
| Net loans and leases to total assets | 74.1416% | 1,895 |
| Net loans and leases to deposits | 84.5845% | 2,426 |
| Net loans and leases to core deposits | 108.8457% | 1,071 |
| Total domestic deposits to total assets | 68.9224% | 5,441 |
| Equity capital to assets | 11.2985% | 2,362 |
| Core capital (leverage) ratio | 11.3543% | 2,057 |
| Tier 1 risk-based capital ratio | 18.8907% | 1,529 |
| Total risk-based capital ratio | 19.4113% | 1,712 |
| Memoranda: | ||
| Average total assets | $141,291,000 | 3,597 |
| Average earning assets | $128,203,000 | 3,607 |
| Average equity | $16,144,800 | 3,574 |
| Average total loans | $106,901,000 | 3,228 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3611% | 315 |
| Cost of funding earning assets | 0.1581% | 5,267 |
| Net interest margin | 5.2030% | 164 |
| Noninterest income to average assets | 1.6428% | 412 |
| Noninterest expense to average assets | 5.7778% | 165 |
| Loan and lease loss provision to assets | 0.0674% | 2,722 |
| Net operating income to assets | 0.3948% | 5,007 |
| Return on assets (ROA) | 0.3948% | 5,039 |
| Pretax return on assets | 0.5125% | 5,005 |
| Return on Equity (ROE) | 3.4452% | 4,999 |
| Retained earnings to average equity (ytd only) | 1.6646% | 4,761 |
| Net charge-offs to loans | 0.0425% | 2,592 |
| Credit loss provision to net charge-offs | 208.8235% | 1,306 |
| Earnings coverage of net charge-offs (x) | 17.9715% | 2,079 |
| Efficiency ratio | 88.0131% | 509 |
| Assets per employee ($millions) | 1.3815% | 5,675 |
| Cash dividends to net income (ytd only)* | 51.6830% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4363% | 5,529 |
| Loan loss allowance to noncurrent loans | 32.5662% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.1075% | 1,500 |
| Noncurrent loans to loans | 1.3399% | 1,416 |
| Net loans and leases to total assets | 77.1328% | 1,404 |
| Net loans and leases to deposits | 88.4542% | 1,994 |
| Net loans and leases to core deposits | 116.7066% | 721 |
| Total domestic deposits to total assets | 66.9345% | 5,565 |
| Equity capital to assets | 11.7032% | 2,186 |
| Core capital (leverage) ratio | 11.7293% | 1,866 |
| Tier 1 risk-based capital ratio | 19.0053% | 1,583 |
| Total risk-based capital ratio | 19.5543% | 1,737 |
| Memoranda: | ||
| Average total assets | $140,487,250 | 3,643 |
| Average earning assets | $127,308,750 | 3,659 |
| Average equity | $16,099,250 | 3,616 |
| Average total loans | $106,729,000 | 3,264 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3129% | 322 |
| Cost of funding earning assets | 0.1561% | 5,301 |
| Net interest margin | 5.1568% | 172 |
| Noninterest income to average assets | 1.5177% | 469 |
| Noninterest expense to average assets | 5.7438% | 170 |
| Loan and lease loss provision to assets | 0.0722% | 2,528 |
| Net operating income to assets | 0.2803% | 5,269 |
| Return on assets (ROA) | 0.2803% | 5,286 |
| Pretax return on assets | 0.3780% | 5,215 |
| Return on Equity (ROE) | 2.4632% | 5,243 |
| Retained earnings to average equity (ytd only) | 2.4632% | 4,211 |
| Net charge-offs to loans | 0.0413% | 2,371 |
| Credit loss provision to net charge-offs | 231.8182% | 1,132 |
| Earnings coverage of net charge-offs (x) | 14.4545% | 2,072 |
| Efficiency ratio | 89.8743% | 462 |
| Assets per employee ($millions) | 1.4352% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4301% | 5,585 |
| Loan loss allowance to noncurrent loans | 34.7464% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.0075% | 1,741 |
| Noncurrent loans to loans | 1.2378% | 1,566 |
| Net loans and leases to total assets | 75.5517% | 1,601 |
| Net loans and leases to deposits | 86.5114% | 2,165 |
| Net loans and leases to core deposits | 113.7039% | 810 |
| Total domestic deposits to total assets | 67.2736% | 5,612 |
| Equity capital to assets | 11.4932% | 2,323 |
| Core capital (leverage) ratio | 11.6967% | 1,831 |
| Tier 1 risk-based capital ratio | 18.9605% | 1,599 |
| Total risk-based capital ratio | 19.4989% | 1,750 |
| Memoranda: | ||
| Average total assets | $141,266,330 | 3,645 |
| Average earning assets | $128,103,000 | 3,668 |
| Average equity | $16,076,330 | 3,632 |
| Average total loans | $106,630,000 | 3,274 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2154% | 372 |
| Cost of funding earning assets | 0.1557% | 5,329 |
| Net interest margin | 5.0598% | 203 |
| Noninterest income to average assets | 1.5596% | 462 |
| Noninterest expense to average assets | 5.5405% | 188 |
| Loan and lease loss provision to assets | 0.1017% | 1,865 |
| Net operating income to assets | 0.3673% | 5,032 |
| Return on assets (ROA) | 0.3673% | 5,055 |
| Pretax return on assets | 0.5086% | 4,952 |
| Return on Equity (ROE) | 3.2435% | 5,037 |
| Retained earnings to average equity (ytd only) | 3.2435% | 3,813 |
| Net charge-offs to loans | -0.0075% | 4,307 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4139% | 702 |
| Assets per employee ($millions) | 1.4268% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4329% | 5,661 |
| Loan loss allowance to noncurrent loans | 18.7801% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 1.8321% | 763 |
| Noncurrent loans to loans | 2.3050% | 714 |
| Net loans and leases to total assets | 76.2051% | 1,382 |
| Net loans and leases to deposits | 86.9774% | 1,916 |
| Net loans and leases to core deposits | 113.9885% | 674 |
| Total domestic deposits to total assets | 67.6774% | 5,681 |
| Equity capital to assets | 11.3955% | 2,262 |
| Core capital (leverage) ratio | 11.5037% | 1,944 |
| Tier 1 risk-based capital ratio | 18.6667% | 1,702 |
| Total risk-based capital ratio | 19.2094% | 1,850 |
| Memoranda: | ||
| Average total assets | $141,575,500 | 3,671 |
| Average earning assets | $128,464,500 | 3,696 |
| Average equity | $16,032,000 | 3,662 |
| Average total loans | $106,584,500 | 3,294 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2927% | 362 |
| Cost of funding earning assets | 0.1619% | 5,346 |
| Net interest margin | 5.1307% | 197 |
| Noninterest income to average assets | 1.8084% | 392 |
| Noninterest expense to average assets | 5.7646% | 180 |
| Loan and lease loss provision to assets | 0.0507% | 3,378 |
| Net operating income to assets | 0.4481% | 4,805 |
| Return on assets (ROA) | 0.4481% | 4,884 |
| Pretax return on assets | 0.6244% | 4,723 |
| Return on Equity (ROE) | 3.8817% | 4,876 |
| Retained earnings to average equity (ytd only) | 2.8509% | 3,868 |
| Net charge-offs to loans | 0.1169% | 2,089 |
| Credit loss provision to net charge-offs | 57.5000% | 3,287 |
| Earnings coverage of net charge-offs (x) | 7.6583% | 2,981 |
| Efficiency ratio | 86.6203% | 777 |
| Assets per employee ($millions) | 1.5095% | 5,844 |
| Cash dividends to net income (ytd only)* | 26.5574% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4093% | 5,730 |
| Loan loss allowance to noncurrent loans | 15.9141% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 1.9719% | 705 |
| Noncurrent loans to loans | 2.5720% | 601 |
| Net loans and leases to total assets | 73.7353% | 1,889 |
| Net loans and leases to deposits | 84.0261% | 2,413 |
| Net loans and leases to core deposits | 110.9113% | 838 |
| Total domestic deposits to total assets | 68.0149% | 5,716 |
| Equity capital to assets | 11.2528% | 2,369 |
| Core capital (leverage) ratio | 11.1098% | 2,248 |
| Tier 1 risk-based capital ratio | 19.2969% | 1,523 |
| Total risk-based capital ratio | 19.8165% | 1,679 |
| Memoranda: | ||
| Average total assets | $136,140,800 | 3,730 |
| Average earning assets | $122,887,000 | 3,777 |
| Average equity | $15,714,600 | 3,734 |
| Average total loans | $102,632,800 | 3,340 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3219% | 353 |
| Cost of funding earning assets | 0.1636% | 5,392 |
| Net interest margin | 5.1583% | 185 |
| Noninterest income to average assets | 1.9153% | 369 |
| Noninterest expense to average assets | 5.8914% | 177 |
| Loan and lease loss provision to assets | 0.0624% | 2,984 |
| Net operating income to assets | 0.4385% | 4,908 |
| Return on assets (ROA) | 0.4385% | 4,990 |
| Pretax return on assets | 0.6117% | 4,842 |
| Return on Equity (ROE) | 3.7738% | 4,997 |
| Retained earnings to average equity (ytd only) | 2.3938% | 4,481 |
| Net charge-offs to loans | 0.1150% | 1,795 |
| Credit loss provision to net charge-offs | 71.5909% | 2,763 |
| Earnings coverage of net charge-offs (x) | 7.7387% | 2,847 |
| Efficiency ratio | 86.9290% | 740 |
| Assets per employee ($millions) | 1.5560% | 5,908 |
| Cash dividends to net income (ytd only)* | 36.5682% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4404% | 5,775 |
| Loan loss allowance to noncurrent loans | 21.5603% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 1.6688% | 1,030 |
| Noncurrent loans to loans | 2.0427% | 954 |
| Net loans and leases to total assets | 72.7998% | 2,046 |
| Net loans and leases to deposits | 82.8129% | 2,632 |
| Net loans and leases to core deposits | 110.2280% | 896 |
| Total domestic deposits to total assets | 68.3181% | 5,763 |
| Equity capital to assets | 11.1583% | 2,842 |
| Core capital (leverage) ratio | 11.2517% | 2,231 |
| Tier 1 risk-based capital ratio | 19.2432% | 1,613 |
| Total risk-based capital ratio | 19.7986% | 1,739 |
| Memoranda: | ||
| Average total assets | $134,702,500 | 3,782 |
| Average earning assets | $121,433,250 | 3,823 |
| Average equity | $15,651,500 | 3,765 |
| Average total loans | $102,027,000 | 3,359 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3644% | 318 |
| Cost of funding earning assets | 0.1645% | 5,463 |
| Net interest margin | 5.1998% | 167 |
| Noninterest income to average assets | 1.6102% | 475 |
| Noninterest expense to average assets | 5.8820% | 175 |
| Loan and lease loss provision to assets | 0.0272% | 3,581 |
| Net operating income to assets | 0.2900% | 5,351 |
| Return on assets (ROA) | 0.2900% | 5,432 |
| Pretax return on assets | 0.3791% | 5,372 |
| Return on Equity (ROE) | 2.4612% | 5,395 |
| Retained earnings to average equity (ytd only) | 2.4612% | 4,319 |
| Net charge-offs to loans | 0.1556% | 1,401 |
| Credit loss provision to net charge-offs | 22.7848% | 2,912 |
| Earnings coverage of net charge-offs (x) | 3.4051% | 3,115 |
| Efficiency ratio | 90.6798% | 566 |
| Assets per employee ($millions) | 1.4378% | 5,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4084% | 5,873 |
| Loan loss allowance to noncurrent loans | 18.9788% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 1.8604% | 911 |
| Noncurrent loans to loans | 2.1518% | 894 |
| Net loans and leases to total assets | 77.4278% | 1,269 |
| Net loans and leases to deposits | 88.8926% | 1,878 |
| Net loans and leases to core deposits | 114.7571% | 693 |
| Total domestic deposits to total assets | 70.4714% | 5,758 |
| Equity capital to assets | 11.8769% | 2,212 |
| Core capital (leverage) ratio | 11.7417% | 1,818 |
| Tier 1 risk-based capital ratio | 19.4289% | 1,586 |
| Total risk-based capital ratio | 19.9483% | 1,719 |
| Memoranda: | ||
| Average total assets | $132,404,000 | 3,839 |
| Average earning assets | $119,119,000 | 3,892 |
| Average equity | $15,602,000 | 3,787 |
| Average total loans | $101,523,000 | 3,377 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2488% | 386 |
| Cost of funding earning assets | 0.1612% | 5,539 |
| Net interest margin | 5.0876% | 209 |
| Noninterest income to average assets | 1.5310% | 488 |
| Noninterest expense to average assets | 5.8853% | 183 |
| Loan and lease loss provision to assets | 0.0181% | 3,453 |
| Net operating income to assets | 0.1721% | 5,583 |
| Return on assets (ROA) | 0.1721% | 5,637 |
| Pretax return on assets | 0.2023% | 5,640 |
| Return on Equity (ROE) | 1.4665% | 5,624 |
| Retained earnings to average equity (ytd only) | 1.4665% | 4,681 |
| Net charge-offs to loans | 0.0516% | 2,013 |
| Credit loss provision to net charge-offs | 46.1538% | 2,084 |
| Earnings coverage of net charge-offs (x) | 5.6154% | 2,319 |
| Efficiency ratio | 93.4718% | 479 |
| Assets per employee ($millions) | 1.4935% | 6,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4750% | 5,888 |
| Loan loss allowance to noncurrent loans | 25.1459% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 1.5869% | 1,258 |
| Noncurrent loans to loans | 1.8889% | 1,166 |
| Net loans and leases to total assets | 73.8883% | 1,745 |
| Net loans and leases to deposits | 84.4202% | 2,258 |
| Net loans and leases to core deposits | 107.4197% | 996 |
| Total domestic deposits to total assets | 71.7368% | 5,790 |
| Equity capital to assets | 11.5880% | 2,364 |
| Core capital (leverage) ratio | 11.8707% | 1,695 |
| Tier 1 risk-based capital ratio | 19.8458% | 1,538 |
| Total risk-based capital ratio | 20.4498% | 1,654 |
| Memoranda: | ||
| Average total assets | $132,465,000 | 3,871 |
| Average earning assets | $119,113,000 | 3,927 |
| Average equity | $15,547,500 | 3,805 |
| Average total loans | $100,863,000 | 3,406 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5831% | 240 |
| Cost of funding earning assets | 0.1620% | 5,591 |
| Net interest margin | 5.4210% | 140 |
| Noninterest income to average assets | 1.6420% | 478 |
| Noninterest expense to average assets | 5.7701% | 192 |
| Loan and lease loss provision to assets | 0.1105% | 2,151 |
| Net operating income to assets | 0.4412% | 4,909 |
| Return on assets (ROA) | 0.4412% | 4,998 |
| Pretax return on assets | 0.6131% | 4,800 |
| Return on Equity (ROE) | 3.7416% | 5,049 |
| Retained earnings to average equity (ytd only) | 2.5183% | 4,279 |
| Net charge-offs to loans | 0.0783% | 2,697 |
| Credit loss provision to net charge-offs | 177.7778% | 1,526 |
| Earnings coverage of net charge-offs (x) | 11.6420% | 2,550 |
| Efficiency ratio | 86.8014% | 930 |
| Assets per employee ($millions) | 1.4502% | 6,109 |
| Cash dividends to net income (ytd only)* | 32.6957% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4719% | 5,941 |
| Loan loss allowance to noncurrent loans | 24.0620% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 1.8220% | 1,041 |
| Noncurrent loans to loans | 1.9611% | 1,077 |
| Net loans and leases to total assets | 77.7336% | 1,158 |
| Net loans and leases to deposits | 89.3584% | 1,705 |
| Net loans and leases to core deposits | 112.4306% | 748 |
| Total domestic deposits to total assets | 72.1771% | 5,791 |
| Equity capital to assets | 11.8906% | 2,037 |
| Core capital (leverage) ratio | 11.8323% | 1,735 |
| Tier 1 risk-based capital ratio | 19.4009% | 1,610 |
| Total risk-based capital ratio | 20.0023% | 1,718 |
| Memoranda: | ||
| Average total assets | $130,326,000 | 3,883 |
| Average earning assets | $116,638,000 | 3,958 |
| Average equity | $15,367,800 | 3,775 |
| Average total loans | $103,445,800 | 3,325 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6306% | 216 |
| Cost of funding earning assets | 0.1591% | 5,716 |
| Net interest margin | 5.4715% | 133 |
| Noninterest income to average assets | 1.7214% | 445 |
| Noninterest expense to average assets | 5.7977% | 191 |
| Loan and lease loss provision to assets | 0.0962% | 2,249 |
| Net operating income to assets | 0.5107% | 4,749 |
| Return on assets (ROA) | 0.5107% | 4,839 |
| Pretax return on assets | 0.7184% | 4,619 |
| Return on Equity (ROE) | 4.3400% | 4,893 |
| Retained earnings to average equity (ytd only) | 2.7049% | 4,492 |
| Net charge-offs to loans | 0.0501% | 2,899 |
| Credit loss provision to net charge-offs | 241.0256% | 1,170 |
| Earnings coverage of net charge-offs (x) | 20.4098% | 1,873 |
| Efficiency ratio | 85.6679% | 1,022 |
| Assets per employee ($millions) | 1.3775% | 6,201 |
| Cash dividends to net income (ytd only)* | 37.6751% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4557% | 6,049 |
| Loan loss allowance to noncurrent loans | 25.4712% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 1.8669% | 1,122 |
| Noncurrent loans to loans | 1.7889% | 1,331 |
| Net loans and leases to total assets | 81.5338% | 633 |
| Net loans and leases to deposits | 94.0741% | 1,195 |
| Net loans and leases to core deposits | 118.8314% | 506 |
| Total domestic deposits to total assets | 71.7408% | 5,877 |
| Equity capital to assets | 12.1854% | 1,971 |
| Core capital (leverage) ratio | 12.2542% | 1,538 |
| Tier 1 risk-based capital ratio | 19.0321% | 1,768 |
| Total risk-based capital ratio | 19.6150% | 1,897 |
| Memoranda: | ||
| Average total assets | $130,278,750 | 3,920 |
| Average earning assets | $116,455,250 | 3,993 |
| Average equity | $15,330,000 | 3,818 |
| Average total loans | $103,823,500 | 3,344 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6093% | 227 |
| Cost of funding earning assets | 0.1635% | 5,751 |
| Net interest margin | 5.4458% | 131 |
| Noninterest income to average assets | 1.6431% | 490 |
| Noninterest expense to average assets | 5.7797% | 195 |
| Loan and lease loss provision to assets | 0.0761% | 2,597 |
| Net operating income to assets | 0.4655% | 4,914 |
| Return on assets (ROA) | 0.4655% | 5,012 |
| Pretax return on assets | 0.6511% | 4,820 |
| Return on Equity (ROE) | 4.0020% | 5,018 |
| Retained earnings to average equity (ytd only) | 4.0020% | 3,470 |
| Net charge-offs to loans | 0.0019% | 3,834 |
| Credit loss provision to net charge-offs | 5,000.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 478.0000% | 139 |
| Efficiency ratio | 86.7664% | 994 |
| Assets per employee ($millions) | 1.4480% | 6,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4531% | 6,130 |
| Loan loss allowance to noncurrent loans | 19.6880% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 2.2155% | 938 |
| Noncurrent loans to loans | 2.3012% | 1,023 |
| Net loans and leases to total assets | 81.4522% | 613 |
| Net loans and leases to deposits | 94.1429% | 1,136 |
| Net loans and leases to core deposits | 117.0437% | 559 |
| Total domestic deposits to total assets | 72.1425% | 5,930 |
| Equity capital to assets | 12.2546% | 1,838 |
| Core capital (leverage) ratio | 11.9461% | 1,692 |
| Tier 1 risk-based capital ratio | 19.1287% | 1,767 |
| Total risk-based capital ratio | 19.7073% | 1,901 |
| Memoranda: | ||
| Average total assets | $131,460,330 | 3,934 |
| Average earning assets | $117,412,330 | 4,002 |
| Average equity | $15,292,330 | 3,844 |
| Average total loans | $103,830,000 | 3,362 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4985% | 261 |
| Cost of funding earning assets | 0.1604% | 5,838 |
| Net interest margin | 5.3381% | 147 |
| Noninterest income to average assets | 1.7138% | 442 |
| Noninterest expense to average assets | 5.7019% | 207 |
| Loan and lease loss provision to assets | 0.0119% | 3,572 |
| Net operating income to assets | 0.5216% | 4,577 |
| Return on assets (ROA) | 0.5216% | 4,694 |
| Pretax return on assets | 0.7600% | 4,392 |
| Return on Equity (ROE) | 4.5994% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.5994% | 3,269 |
| Net charge-offs to loans | -0.0768% | 5,730 |
| Credit loss provision to net charge-offs | -20.0000% | 4,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8987% | 1,279 |
| Assets per employee ($millions) | 1.5060% | 6,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4255% | 6,225 |
| Loan loss allowance to noncurrent loans | 20.0454% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 1.9233% | 1,260 |
| Noncurrent loans to loans | 2.1226% | 1,211 |
| Net loans and leases to total assets | 78.0512% | 914 |
| Net loans and leases to deposits | 89.3258% | 1,456 |
| Net loans and leases to core deposits | 109.9757% | 749 |
| Total domestic deposits to total assets | 73.3957% | 5,948 |
| Equity capital to assets | 11.5498% | 2,421 |
| Core capital (leverage) ratio | 11.6870% | 1,861 |
| Tier 1 risk-based capital ratio | 18.9324% | 1,890 |
| Total risk-based capital ratio | 19.4790% | 2,032 |
| Memoranda: | ||
| Average total assets | $134,202,000 | 3,920 |
| Average earning assets | $119,668,000 | 3,984 |
| Average equity | $15,219,500 | 3,884 |
| Average total loans | $104,206,000 | 3,370 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4259% | 360 |
| Cost of funding earning assets | 0.1940% | 5,797 |
| Net interest margin | 5.2319% | 200 |
| Noninterest income to average assets | 1.7370% | 428 |
| Noninterest expense to average assets | 5.8128% | 202 |
| Loan and lease loss provision to assets | 0.0275% | 4,055 |
| Net operating income to assets | 0.4315% | 5,103 |
| Return on assets (ROA) | 0.4315% | 5,191 |
| Pretax return on assets | 0.5931% | 4,967 |
| Return on Equity (ROE) | 3.6663% | 5,246 |
| Retained earnings to average equity (ytd only) | 2.1598% | 4,698 |
| Net charge-offs to loans | 0.0606% | 3,634 |
| Credit loss provision to net charge-offs | 57.3770% | 3,340 |
| Earnings coverage of net charge-offs (x) | 12.9672% | 2,318 |
| Efficiency ratio | 88.3049% | 965 |
| Assets per employee ($millions) | 1.5618% | 6,426 |
| Cash dividends to net income (ytd only)* | 41.0909% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3999% | 6,325 |
| Loan loss allowance to noncurrent loans | 15.7498% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 2.2359% | 1,085 |
| Noncurrent loans to loans | 2.5390% | 996 |
| Net loans and leases to total assets | 76.6230% | 1,180 |
| Net loans and leases to deposits | 87.2396% | 1,822 |
| Net loans and leases to core deposits | 104.0829% | 1,125 |
| Total domestic deposits to total assets | 75.9805% | 5,732 |
| Equity capital to assets | 11.1369% | 2,768 |
| Core capital (leverage) ratio | 11.0406% | 2,365 |
| Tier 1 risk-based capital ratio | 18.0488% | 2,121 |
| Total risk-based capital ratio | 18.5522% | 2,342 |
| Memoranda: | ||
| Average total assets | $127,460,600 | 4,031 |
| Average earning assets | $114,413,400 | 4,085 |
| Average equity | $15,001,600 | 3,837 |
| Average total loans | $100,700,200 | 3,405 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4715% | 331 |
| Cost of funding earning assets | 0.1988% | 5,842 |
| Net interest margin | 5.2727% | 183 |
| Noninterest income to average assets | 1.6794% | 464 |
| Noninterest expense to average assets | 5.7519% | 201 |
| Loan and lease loss provision to assets | 0.0319% | 3,773 |
| Net operating income to assets | 0.4605% | 5,031 |
| Return on assets (ROA) | 0.4605% | 5,106 |
| Pretax return on assets | 0.6350% | 4,921 |
| Return on Equity (ROE) | 3.8568% | 5,232 |
| Retained earnings to average equity (ytd only) | 1.8437% | 5,130 |
| Net charge-offs to loans | 0.0682% | 3,225 |
| Credit loss provision to net charge-offs | 58.8235% | 2,956 |
| Earnings coverage of net charge-offs (x) | 12.2938% | 2,333 |
| Efficiency ratio | 89.6106% | 874 |
| Assets per employee ($millions) | 1.4327% | 6,511 |
| Cash dividends to net income (ytd only)* | 52.1946% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4093% | 6,401 |
| Loan loss allowance to noncurrent loans | 15.7425% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 2.4510% | 1,089 |
| Noncurrent loans to loans | 2.6003% | 1,103 |
| Net loans and leases to total assets | 82.5662% | 455 |
| Net loans and leases to deposits | 96.3208% | 855 |
| Net loans and leases to core deposits | 118.1523% | 432 |
| Total domestic deposits to total assets | 72.4557% | 6,140 |
| Equity capital to assets | 12.0464% | 2,020 |
| Core capital (leverage) ratio | 12.0464% | 1,673 |
| Tier 1 risk-based capital ratio | 18.6138% | 2,012 |
| Total risk-based capital ratio | 19.1382% | 2,206 |
| Memoranda: | ||
| Average total assets | $125,357,500 | 4,115 |
| Average earning assets | $112,679,000 | 4,154 |
| Average equity | $14,969,000 | 3,865 |
| Average total loans | $99,743,250 | 3,454 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3343% | 413 |
| Cost of funding earning assets | 0.1961% | 5,944 |
| Net interest margin | 5.1382% | 225 |
| Noninterest income to average assets | 1.7739% | 419 |
| Noninterest expense to average assets | 5.6722% | 212 |
| Loan and lease loss provision to assets | 0.0334% | 3,618 |
| Net operating income to assets | 0.5064% | 4,783 |
| Return on assets (ROA) | 0.5064% | 4,877 |
| Pretax return on assets | 0.7007% | 4,636 |
| Return on Equity (ROE) | 4.2531% | 5,038 |
| Retained earnings to average equity (ytd only) | 4.2531% | 3,466 |
| Net charge-offs to loans | -0.0081% | 5,278 |
| Credit loss provision to net charge-offs | -525.0000% | 5,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5409% | 1,039 |
| Assets per employee ($millions) | 1.4646% | 6,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4652% | 6,451 |
| Loan loss allowance to noncurrent loans | 22.8780% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 1.7603% | 1,845 |
| Noncurrent loans to loans | 2.0335% | 1,659 |
| Net loans and leases to total assets | 78.7470% | 820 |
| Net loans and leases to deposits | 90.4666% | 1,327 |
| Net loans and leases to core deposits | 109.7271% | 705 |
| Total domestic deposits to total assets | 74.2847% | 6,087 |
| Equity capital to assets | 11.8708% | 2,087 |
| Core capital (leverage) ratio | 11.8708% | 1,733 |
| Tier 1 risk-based capital ratio | 19.5953% | 1,787 |
| Total risk-based capital ratio | 20.2029% | 1,897 |
| Memoranda: | ||
| Average total assets | $125,595,670 | 4,123 |
| Average earning assets | $113,229,330 | 4,161 |
| Average equity | $14,953,670 | 3,864 |
| Average total loans | $98,545,670 | 3,484 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3364% | 390 |
| Cost of funding earning assets | 0.1950% | 6,042 |
| Net interest margin | 5.1414% | 210 |
| Noninterest income to average assets | 1.6233% | 468 |
| Noninterest expense to average assets | 5.7586% | 212 |
| Loan and lease loss provision to assets | 0.0064% | 3,736 |
| Net operating income to assets | 0.3818% | 5,179 |
| Return on assets (ROA) | 0.3818% | 5,252 |
| Pretax return on assets | 0.5101% | 5,139 |
| Return on Equity (ROE) | 3.2016% | 5,388 |
| Retained earnings to average equity (ytd only) | 3.2016% | 4,201 |
| Net charge-offs to loans | -0.0944% | 6,096 |
| Credit loss provision to net charge-offs | -8.6957% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7689% | 895 |
| Assets per employee ($millions) | 1.4375% | 6,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4870% | 6,516 |
| Loan loss allowance to noncurrent loans | 28.3727% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 1.4713% | 2,408 |
| Noncurrent loans to loans | 1.7166% | 2,257 |
| Net loans and leases to total assets | 76.6250% | 929 |
| Net loans and leases to deposits | 87.9132% | 1,367 |
| Net loans and leases to core deposits | 106.4827% | 737 |
| Total domestic deposits to total assets | 74.8675% | 6,168 |
| Equity capital to assets | 11.9358% | 1,911 |
| Core capital (leverage) ratio | 11.9358% | 1,690 |
| Tier 1 risk-based capital ratio | 20.0745% | 1,697 |
| Total risk-based capital ratio | 20.7052% | 1,816 |
| Memoranda: | ||
| Average total assets | $124,682,500 | 4,178 |
| Average earning assets | $112,810,500 | 4,201 |
| Average equity | $14,867,500 | 3,885 |
| Average total loans | $97,413,500 | 3,525 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6015% | 312 |
| Cost of funding earning assets | 0.2652% | 5,868 |
| Net interest margin | 5.3363% | 177 |
| Noninterest income to average assets | 2.1191% | 360 |
| Noninterest expense to average assets | 6.0660% | 197 |
| Loan and lease loss provision to assets | 0.0902% | 3,303 |
| Net operating income to assets | 0.5867% | 4,323 |
| Return on assets (ROA) | 0.5867% | 4,435 |
| Pretax return on assets | 0.8407% | 3,993 |
| Return on Equity (ROE) | 4.8242% | 4,704 |
| Retained earnings to average equity (ytd only) | 2.2386% | 4,656 |
| Net charge-offs to loans | 0.3278% | 2,037 |
| Credit loss provision to net charge-offs | 33.9564% | 4,163 |
| Earnings coverage of net charge-offs (x) | 3.5047% | 3,833 |
| Efficiency ratio | 86.6958% | 1,347 |
| Assets per employee ($millions) | 1.3511% | 6,733 |
| Cash dividends to net income (ytd only)* | 53.5966% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4506% | 6,608 |
| Loan loss allowance to noncurrent loans | 37.8840% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 1.2494% | 2,919 |
| Noncurrent loans to loans | 1.1895% | 3,162 |
| Net loans and leases to total assets | 78.9082% | 726 |
| Net loans and leases to deposits | 90.4318% | 1,192 |
| Net loans and leases to core deposits | 108.5226% | 671 |
| Total domestic deposits to total assets | 75.6331% | 6,123 |
| Equity capital to assets | 11.9127% | 1,856 |
| Core capital (leverage) ratio | 11.9127% | 1,665 |
| Tier 1 risk-based capital ratio | 19.6286% | 1,747 |
| Total risk-based capital ratio | 20.2171% | 1,890 |
| Memoranda: | ||
| Average total assets | $120,853,600 | 4,261 |
| Average earning assets | $110,470,000 | 4,247 |
| Average equity | $14,696,600 | 3,922 |
| Average total loans | $97,922,600 | 3,502 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6162% | 315 |
| Cost of funding earning assets | 0.2841% | 5,856 |
| Net interest margin | 5.3320% | 182 |
| Noninterest income to average assets | 2.2046% | 362 |
| Noninterest expense to average assets | 6.1170% | 194 |
| Loan and lease loss provision to assets | 0.1089% | 2,948 |
| Net operating income to assets | 0.5989% | 4,352 |
| Return on assets (ROA) | 0.5989% | 4,476 |
| Pretax return on assets | 0.8578% | 4,060 |
| Return on Equity (ROE) | 4.8992% | 4,774 |
| Retained earnings to average equity (ytd only) | 1.4452% | 5,409 |
| Net charge-offs to loans | 0.4418% | 1,457 |
| Credit loss provision to net charge-offs | 30.2469% | 3,890 |
| Earnings coverage of net charge-offs (x) | 2.6852% | 3,939 |
| Efficiency ratio | 86.3529% | 1,335 |
| Assets per employee ($millions) | 1.3784% | 6,807 |
| Cash dividends to net income (ytd only)* | 70.5002% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4508% | 6,689 |
| Loan loss allowance to noncurrent loans | 42.0332% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 1.1894% | 3,274 |
| Noncurrent loans to loans | 1.0725% | 3,652 |
| Net loans and leases to total assets | 80.1011% | 534 |
| Net loans and leases to deposits | 92.2332% | 967 |
| Net loans and leases to core deposits | 111.4731% | 521 |
| Total domestic deposits to total assets | 74.9182% | 6,287 |
| Equity capital to assets | 12.3482% | 1,674 |
| Core capital (leverage) ratio | 12.3482% | 1,493 |
| Tier 1 risk-based capital ratio | 19.9148% | 1,754 |
| Total risk-based capital ratio | 20.4998% | 1,882 |
| Memoranda: | ||
| Average total assets | $119,991,000 | 4,319 |
| Average earning assets | $109,799,000 | 4,312 |
| Average equity | $14,668,750 | 3,977 |
| Average total loans | $97,770,750 | 3,531 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6166% | 309 |
| Cost of funding earning assets | 0.2788% | 5,991 |
| Net interest margin | 5.3377% | 174 |
| Noninterest income to average assets | 2.3192% | 363 |
| Noninterest expense to average assets | 6.1557% | 195 |
| Loan and lease loss provision to assets | 0.1544% | 2,384 |
| Net operating income to assets | 0.6308% | 4,152 |
| Return on assets (ROA) | 0.6308% | 4,306 |
| Pretax return on assets | 0.9031% | 3,898 |
| Return on Equity (ROE) | 5.1775% | 4,630 |
| Retained earnings to average equity (ytd only) | 5.1775% | 2,941 |
| Net charge-offs to loans | 0.2739% | 2,110 |
| Credit loss provision to net charge-offs | 68.8889% | 2,844 |
| Earnings coverage of net charge-offs (x) | 4.7185% | 3,054 |
| Efficiency ratio | 85.3395% | 1,479 |
| Assets per employee ($millions) | 1.3877% | 6,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6308% | 6,577 |
| Loan loss allowance to noncurrent loans | 68.3742% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.0523% | 3,643 |
| Noncurrent loans to loans | 0.9225% | 4,078 |
| Net loans and leases to total assets | 79.2095% | 618 |
| Net loans and leases to deposits | 91.0176% | 1,051 |
| Net loans and leases to core deposits | 110.9201% | 529 |
| Total domestic deposits to total assets | 75.3206% | 6,322 |
| Equity capital to assets | 12.1677% | 1,796 |
| Core capital (leverage) ratio | 12.1677% | 1,527 |
| Tier 1 risk-based capital ratio | 19.6368% | 1,817 |
| Total risk-based capital ratio | 20.4483% | 1,906 |
| Memoranda: | ||
| Average total assets | $120,473,330 | 4,336 |
| Average earning assets | $110,459,000 | 4,327 |
| Average equity | $14,679,000 | 4,011 |
| Average total loans | $98,566,000 | 3,531 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7258% | 260 |
| Cost of funding earning assets | 0.2737% | 6,142 |
| Net interest margin | 5.4521% | 131 |
| Noninterest income to average assets | 2.2432% | 369 |
| Noninterest expense to average assets | 6.0576% | 203 |
| Loan and lease loss provision to assets | 0.0936% | 3,105 |
| Net operating income to assets | 0.7355% | 3,505 |
| Return on assets (ROA) | 0.7355% | 3,643 |
| Pretax return on assets | 1.0865% | 3,011 |
| Return on Equity (ROE) | 6.0319% | 4,032 |
| Retained earnings to average equity (ytd only) | 6.0319% | 2,663 |
| Net charge-offs to loans | 0.2057% | 2,192 |
| Credit loss provision to net charge-offs | 54.9020% | 2,526 |
| Earnings coverage of net charge-offs (x) | 6.9216% | 2,146 |
| Efficiency ratio | 83.6952% | 1,808 |
| Assets per employee ($millions) | 1.3746% | 6,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6451% | 6,654 |
| Loan loss allowance to noncurrent loans | 52.4007% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 1.1665% | 3,616 |
| Noncurrent loans to loans | 1.2311% | 3,716 |
| Net loans and leases to total assets | 82.4653% | 262 |
| Net loans and leases to deposits | 95.0398% | 603 |
| Net loans and leases to core deposits | 116.5999% | 337 |
| Total domestic deposits to total assets | 74.7625% | 6,479 |
| Equity capital to assets | 12.4339% | 1,749 |
| Core capital (leverage) ratio | 12.4339% | 1,368 |
| Tier 1 risk-based capital ratio | 19.5138% | 1,901 |
| Total risk-based capital ratio | 20.3542% | 1,988 |
| Memoranda: | ||
| Average total assets | $119,651,000 | 4,404 |
| Average earning assets | $109,609,000 | 4,382 |
| Average equity | $14,589,000 | 4,075 |
| Average total loans | $99,177,500 | 3,529 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1341% | 220 |
| Cost of funding earning assets | 0.2819% | 6,542 |
| Net interest margin | 5.8522% | 98 |
| Noninterest income to average assets | 2.4796% | 323 |
| Noninterest expense to average assets | 6.1639% | 208 |
| Loan and lease loss provision to assets | 0.1551% | 3,674 |
| Net operating income to assets | 1.0556% | 2,094 |
| Return on assets (ROA) | 1.0556% | 2,294 |
| Pretax return on assets | 1.5765% | 1,449 |
| Return on Equity (ROE) | 8.6641% | 2,808 |
| Retained earnings to average equity (ytd only) | 6.0891% | 2,023 |
| Net charge-offs to loans | 0.0847% | 4,834 |
| Credit loss provision to net charge-offs | 218.2927% | 1,156 |
| Earnings coverage of net charge-offs (x) | 24.3659% | 1,177 |
| Efficiency ratio | 76.3227% | 2,693 |
| Assets per employee ($millions) | 1.3760% | 7,001 |
| Cash dividends to net income (ytd only)* | 29.7209% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6545% | 6,694 |
| Loan loss allowance to noncurrent loans | 42.0243% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 1.2892% | 3,499 |
| Noncurrent loans to loans | 1.5574% | 3,281 |
| Net loans and leases to total assets | 82.2381% | 316 |
| Net loans and leases to deposits | 94.6559% | 707 |
| Net loans and leases to core deposits | 115.5452% | 372 |
| Total domestic deposits to total assets | 74.7549% | 6,466 |
| Equity capital to assets | 11.9577% | 2,069 |
| Core capital (leverage) ratio | 11.9577% | 1,590 |
| Tier 1 risk-based capital ratio | 18.9570% | 1,969 |
| Total risk-based capital ratio | 19.8159% | 2,050 |
| Memoranda: | ||
| Average total assets | $115,381,600 | 4,456 |
| Average earning assets | $106,779,600 | 4,420 |
| Average equity | $14,058,000 | 4,144 |
| Average total loans | $96,856,600 | 3,597 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2484% | 193 |
| Cost of funding earning assets | 0.2837% | 6,680 |
| Net interest margin | 5.9647% | 94 |
| Noninterest income to average assets | 2.3424% | 337 |
| Noninterest expense to average assets | 6.2701% | 193 |
| Loan and lease loss provision to assets | 0.0959% | 4,376 |
| Net operating income to assets | 1.0144% | 2,430 |
| Return on assets (ROA) | 1.0144% | 2,663 |
| Pretax return on assets | 1.5117% | 1,839 |
| Return on Equity (ROE) | 8.2849% | 3,142 |
| Retained earnings to average equity (ytd only) | 4.8257% | 3,488 |
| Net charge-offs to loans | 0.1028% | 4,366 |
| Credit loss provision to net charge-offs | 110.8108% | 2,645 |
| Earnings coverage of net charge-offs (x) | 18.5683% | 1,547 |
| Efficiency ratio | 77.2464% | 2,491 |
| Assets per employee ($millions) | 1.3187% | 7,099 |
| Cash dividends to net income (ytd only)* | 41.7528% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5827% | 6,885 |
| Loan loss allowance to noncurrent loans | 75.0993% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 5,031 |
| Noncurrent loans to loans | 0.7759% | 4,858 |
| Net loans and leases to total assets | 84.3177% | 208 |
| Net loans and leases to deposits | 97.3307% | 579 |
| Net loans and leases to core deposits | 119.5570% | 320 |
| Total domestic deposits to total assets | 74.3036% | 6,576 |
| Equity capital to assets | 12.3143% | 2,026 |
| Core capital (leverage) ratio | 12.3143% | 1,487 |
| Tier 1 risk-based capital ratio | 19.0356% | 2,002 |
| Total risk-based capital ratio | 19.7995% | 2,113 |
| Memoranda: | ||
| Average total assets | $113,955,750 | 4,542 |
| Average earning assets | $105,752,000 | 4,491 |
| Average equity | $13,952,750 | 4,204 |
| Average total loans | $96,012,250 | 3,656 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2432% | 204 |
| Cost of funding earning assets | 0.2856% | 6,783 |
| Net interest margin | 5.9576% | 92 |
| Noninterest income to average assets | 2.2709% | 333 |
| Noninterest expense to average assets | 6.3783% | 186 |
| Loan and lease loss provision to assets | 0.0950% | 4,362 |
| Net operating income to assets | 0.9006% | 2,904 |
| Return on assets (ROA) | 0.9006% | 3,175 |
| Pretax return on assets | 1.3386% | 2,432 |
| Return on Equity (ROE) | 7.3699% | 3,580 |
| Retained earnings to average equity (ytd only) | 7.3699% | 1,927 |
| Net charge-offs to loans | 0.1025% | 4,137 |
| Credit loss provision to net charge-offs | 110.2041% | 2,475 |
| Earnings coverage of net charge-offs (x) | 16.6327% | 1,582 |
| Efficiency ratio | 78.0905% | 2,451 |
| Assets per employee ($millions) | 1.3626% | 7,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5748% | 6,956 |
| Loan loss allowance to noncurrent loans | 54.4928% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 0.9043% | 4,565 |
| Noncurrent loans to loans | 1.0548% | 4,408 |
| Net loans and leases to total assets | 85.2352% | 167 |
| Net loans and leases to deposits | 98.0541% | 525 |
| Net loans and leases to core deposits | 121.0237% | 296 |
| Total domestic deposits to total assets | 74.6896% | 6,615 |
| Equity capital to assets | 12.3498% | 1,912 |
| Core capital (leverage) ratio | 12.3498% | 1,418 |
| Tier 1 risk-based capital ratio | 18.9795% | 1,974 |
| Total risk-based capital ratio | 19.7368% | 2,097 |
| Memoranda: | ||
| Average total assets | $113,698,330 | 4,574 |
| Average earning assets | $105,746,670 | 4,514 |
| Average equity | $13,894,330 | 4,215 |
| Average total loans | $95,582,000 | 3,675 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2794% | 210 |
| Cost of funding earning assets | 0.2844% | 6,894 |
| Net interest margin | 5.9950% | 101 |
| Noninterest income to average assets | 2.1320% | 367 |
| Noninterest expense to average assets | 6.0184% | 208 |
| Loan and lease loss provision to assets | 0.0988% | 4,108 |
| Net operating income to assets | 1.0660% | 2,225 |
| Return on assets (ROA) | 1.0660% | 2,418 |
| Pretax return on assets | 1.5955% | 1,594 |
| Return on Equity (ROE) | 8.7701% | 2,923 |
| Retained earnings to average equity (ytd only) | 8.7701% | 1,672 |
| Net charge-offs to loans | 0.1018% | 3,523 |
| Credit loss provision to net charge-offs | 116.6667% | 2,024 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,201 |
| Efficiency ratio | 78.0320% | 2,487 |
| Assets per employee ($millions) | 1.3353% | 7,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5742% | 7,006 |
| Loan loss allowance to noncurrent loans | 73.0220% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 5,198 |
| Noncurrent loans to loans | 0.7864% | 5,097 |
| Net loans and leases to total assets | 85.8872% | 123 |
| Net loans and leases to deposits | 101.4265% | 329 |
| Net loans and leases to core deposits | 125.6357% | 236 |
| Total domestic deposits to total assets | 72.6564% | 6,848 |
| Equity capital to assets | 12.2687% | 1,869 |
| Core capital (leverage) ratio | 12.2687% | 1,453 |
| Tier 1 risk-based capital ratio | 19.6367% | 1,798 |
| Total risk-based capital ratio | 20.4307% | 1,908 |
| Memoranda: | ||
| Average total assets | $113,320,000 | 4,611 |
| Average earning assets | $105,488,000 | 4,558 |
| Average equity | $13,774,000 | 4,241 |
| Average total loans | $94,313,000 | 3,729 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3072% | 250 |
| Cost of funding earning assets | 0.3536% | 7,002 |
| Net interest margin | 5.9536% | 93 |
| Noninterest income to average assets | 2.2028% | 330 |
| Noninterest expense to average assets | 6.1420% | 195 |
| Loan and lease loss provision to assets | 0.1499% | 4,744 |
| Net operating income to assets | 0.8780% | 2,703 |
| Return on assets (ROA) | 0.8780% | 2,836 |
| Pretax return on assets | 1.3975% | 1,799 |
| Return on Equity (ROE) | 7.0696% | 3,373 |
| Retained earnings to average equity (ytd only) | 4.5806% | 2,918 |
| Net charge-offs to loans | 0.1849% | 4,666 |
| Credit loss provision to net charge-offs | 96.9880% | 3,714 |
| Earnings coverage of net charge-offs (x) | 10.0120% | 1,897 |
| Efficiency ratio | 79.5012% | 2,373 |
| Assets per employee ($millions) | 1.3005% | 7,282 |
| Cash dividends to net income (ytd only)* | 35.2068% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3698% | 7,184 |
| Loan loss allowance to noncurrent loans | 24.1877% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 1.3329% | 4,002 |
| Noncurrent loans to loans | 1.5290% | 3,856 |
| Net loans and leases to total assets | 79.7649% | 522 |
| Net loans and leases to deposits | 91.4087% | 1,023 |
| Net loans and leases to core deposits | 97.1871% | 1,398 |
| Total domestic deposits to total assets | 87.2618% | 2,603 |
| Equity capital to assets | 12.0408% | 2,092 |
| Core capital (leverage) ratio | 12.0408% | 1,568 |
| Tier 1 risk-based capital ratio | 19.6839% | 1,703 |
| Total risk-based capital ratio | 20.1679% | 1,885 |
| Memoranda: | ||
| Average total assets | $107,407,400 | 4,696 |
| Average earning assets | $98,982,400 | 4,662 |
| Average equity | $13,338,800 | 4,270 |
| Average total loans | $89,776,200 | 3,861 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3680% | 239 |
| Cost of funding earning assets | 0.3665% | 7,094 |
| Net interest margin | 6.0016% | 90 |
| Noninterest income to average assets | 2.2206% | 322 |
| Noninterest expense to average assets | 6.2605% | 179 |
| Loan and lease loss provision to assets | 0.1057% | 5,125 |
| Net operating income to assets | 0.8631% | 2,897 |
| Return on assets (ROA) | 0.8631% | 3,045 |
| Pretax return on assets | 1.3764% | 2,021 |
| Return on Equity (ROE) | 6.8937% | 3,575 |
| Retained earnings to average equity (ytd only) | 3.5574% | 4,211 |
| Net charge-offs to loans | 0.2158% | 4,089 |
| Credit loss provision to net charge-offs | 57.9310% | 4,853 |
| Earnings coverage of net charge-offs (x) | 8.1241% | 2,234 |
| Efficiency ratio | 80.4842% | 2,187 |
| Assets per employee ($millions) | 1.2619% | 7,359 |
| Cash dividends to net income (ytd only)* | 48.3972% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3077% | 7,283 |
| Loan loss allowance to noncurrent loans | 47.1088% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 5,666 |
| Noncurrent loans to loans | 0.6531% | 5,580 |
| Net loans and leases to total assets | 82.7083% | 311 |
| Net loans and leases to deposits | 95.2330% | 745 |
| Net loans and leases to core deposits | 101.5545% | 1,117 |
| Total domestic deposits to total assets | 86.8483% | 2,746 |
| Equity capital to assets | 12.3159% | 2,019 |
| Core capital (leverage) ratio | 12.3159% | 1,528 |
| Tier 1 risk-based capital ratio | 20.0441% | 1,673 |
| Total risk-based capital ratio | 20.4595% | 1,842 |
| Memoranda: | ||
| Average total assets | $105,974,250 | 4,763 |
| Average earning assets | $97,505,500 | 4,731 |
| Average equity | $13,267,750 | 4,295 |
| Average total loans | $89,575,000 | 3,906 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4222% | 232 |
| Cost of funding earning assets | 0.3662% | 7,199 |
| Net interest margin | 6.0560% | 91 |
| Noninterest income to average assets | 2.1518% | 329 |
| Noninterest expense to average assets | 6.3373% | 170 |
| Loan and lease loss provision to assets | 0.1065% | 4,970 |
| Net operating income to assets | 0.8029% | 3,063 |
| Return on assets (ROA) | 0.8029% | 3,188 |
| Pretax return on assets | 1.2766% | 2,221 |
| Return on Equity (ROE) | 6.3770% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.3770% | 2,203 |
| Net charge-offs to loans | 0.3198% | 3,278 |
| Credit loss provision to net charge-offs | 39.1608% | 4,831 |
| Earnings coverage of net charge-offs (x) | 5.0839% | 2,696 |
| Efficiency ratio | 81.6905% | 2,143 |
| Assets per employee ($millions) | 1.2752% | 7,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2761% | 7,361 |
| Loan loss allowance to noncurrent loans | 58.2938% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 6,089 |
| Noncurrent loans to loans | 0.4737% | 5,958 |
| Net loans and leases to total assets | 81.0112% | 445 |
| Net loans and leases to deposits | 93.1309% | 936 |
| Net loans and leases to core deposits | 100.6868% | 1,282 |
| Total domestic deposits to total assets | 86.9864% | 2,745 |
| Equity capital to assets | 12.2495% | 1,937 |
| Core capital (leverage) ratio | 12.2495% | 1,480 |
| Tier 1 risk-based capital ratio | 20.3170% | 1,551 |
| Total risk-based capital ratio | 20.6890% | 1,699 |
| Memoranda: | ||
| Average total assets | $105,123,670 | 4,824 |
| Average earning assets | $96,664,670 | 4,794 |
| Average equity | $13,235,000 | 4,289 |
| Average total loans | $89,421,000 | 3,955 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5678% | 191 |
| Cost of funding earning assets | 0.3644% | 7,296 |
| Net interest margin | 6.2034% | 83 |
| Noninterest income to average assets | 2.2713% | 307 |
| Noninterest expense to average assets | 6.3393% | 177 |
| Loan and lease loss provision to assets | 0.0972% | 4,798 |
| Net operating income to assets | 0.9606% | 2,313 |
| Return on assets (ROA) | 0.9606% | 2,380 |
| Pretax return on assets | 1.5284% | 1,367 |
| Return on Equity (ROE) | 7.5216% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.5216% | 1,929 |
| Net charge-offs to loans | -0.1652% | 7,218 |
| Credit loss provision to net charge-offs | -67.5676% | 5,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2480% | 2,657 |
| Assets per employee ($millions) | 1.2845% | 7,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4458% | 7,319 |
| Loan loss allowance to noncurrent loans | 113.3903% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 6,348 |
| Noncurrent loans to loans | 0.3932% | 6,209 |
| Net loans and leases to total assets | 86.4877% | 114 |
| Net loans and leases to deposits | 100.3455% | 450 |
| Net loans and leases to core deposits | 109.1645% | 775 |
| Total domestic deposits to total assets | 86.1899% | 3,406 |
| Equity capital to assets | 12.9031% | 1,424 |
| Core capital (leverage) ratio | 12.9031% | 1,158 |
| Tier 1 risk-based capital ratio | 19.8801% | 1,609 |
| Total risk-based capital ratio | 20.4768% | 1,718 |
| Memoranda: | ||
| Average total assets | $102,850,500 | 4,922 |
| Average earning assets | $94,399,500 | 4,904 |
| Average equity | $13,135,500 | 4,305 |
| Average total loans | $89,586,000 | 3,987 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6933% | 235 |
| Cost of funding earning assets | 0.4238% | 7,407 |
| Net interest margin | 6.2695% | 81 |
| Noninterest income to average assets | 2.3388% | 309 |
| Noninterest expense to average assets | 6.2822% | 203 |
| Loan and lease loss provision to assets | 0.1088% | 6,061 |
| Net operating income to assets | 1.0546% | 1,859 |
| Return on assets (ROA) | 1.0546% | 1,958 |
| Pretax return on assets | 1.6848% | 974 |
| Return on Equity (ROE) | 8.4088% | 2,531 |
| Retained earnings to average equity (ytd only) | 5.6953% | 1,993 |
| Net charge-offs to loans | 0.2455% | 4,818 |
| Credit loss provision to net charge-offs | 51.8868% | 6,231 |
| Earnings coverage of net charge-offs (x) | 8.5519% | 1,958 |
| Efficiency ratio | 77.4225% | 2,807 |
| Assets per employee ($millions) | 1.2255% | 7,575 |
| Cash dividends to net income (ytd only)* | 32.2702% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3582% | 7,452 |
| Loan loss allowance to noncurrent loans | 35.1913% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 0.8888% | 5,239 |
| Noncurrent loans to loans | 1.0178% | 5,036 |
| Net loans and leases to total assets | 87.0181% | 131 |
| Net loans and leases to deposits | 103.3970% | 422 |
| Net loans and leases to core deposits | 111.8661% | 822 |
| Total domestic deposits to total assets | 84.1592% | 4,293 |
| Equity capital to assets | 12.6400% | 1,557 |
| Core capital (leverage) ratio | 12.6400% | 1,263 |
| Tier 1 risk-based capital ratio | 19.3398% | 1,632 |
| Total risk-based capital ratio | 19.8184% | 1,788 |
| Memoranda: | ||
| Average total assets | $101,079,600 | 4,953 |
| Average earning assets | $92,494,800 | 4,930 |
| Average equity | $12,677,200 | 4,436 |
| Average total loans | $86,369,200 | 4,148 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6808% | 250 |
| Cost of funding earning assets | 0.4379% | 7,528 |
| Net interest margin | 6.2429% | 80 |
| Noninterest income to average assets | 2.3999% | 295 |
| Noninterest expense to average assets | 6.2813% | 199 |
| Loan and lease loss provision to assets | 0.1113% | 5,916 |
| Net operating income to assets | 1.0734% | 1,995 |
| Return on assets (ROA) | 1.0734% | 2,105 |
| Pretax return on assets | 1.7121% | 1,091 |
| Return on Equity (ROE) | 8.5756% | 2,661 |
| Retained earnings to average equity (ytd only) | 4.9337% | 3,037 |
| Net charge-offs to loans | 0.2199% | 4,627 |
| Credit loss provision to net charge-offs | 59.5745% | 5,700 |
| Earnings coverage of net charge-offs (x) | 9.7586% | 1,968 |
| Efficiency ratio | 77.1583% | 2,744 |
| Assets per employee ($millions) | 1.2739% | 7,675 |
| Cash dividends to net income (ytd only)* | 42.4697% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4166% | 7,516 |
| Loan loss allowance to noncurrent loans | 133.4545% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 6,559 |
| Noncurrent loans to loans | 0.3121% | 6,569 |
| Net loans and leases to total assets | 87.1759% | 137 |
| Net loans and leases to deposits | 103.8064% | 437 |
| Net loans and leases to core deposits | 113.5879% | 856 |
| Total domestic deposits to total assets | 83.9794% | 4,138 |
| Equity capital to assets | 12.6750% | 1,768 |
| Core capital (leverage) ratio | 12.6750% | 1,349 |
| Tier 1 risk-based capital ratio | 19.0955% | 1,732 |
| Total risk-based capital ratio | 19.6449% | 1,863 |
| Memoranda: | ||
| Average total assets | $100,613,750 | 5,027 |
| Average earning assets | $91,942,750 | 5,013 |
| Average equity | $12,593,500 | 4,529 |
| Average total loans | $85,486,250 | 4,243 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6318% | 275 |
| Cost of funding earning assets | 0.4633% | 7,590 |
| Net interest margin | 6.1685% | 85 |
| Noninterest income to average assets | 2.4313% | 281 |
| Noninterest expense to average assets | 6.2740% | 198 |
| Loan and lease loss provision to assets | 0.0934% | 5,980 |
| Net operating income to assets | 1.0695% | 1,946 |
| Return on assets (ROA) | 1.0695% | 2,022 |
| Pretax return on assets | 1.7017% | 1,053 |
| Return on Equity (ROE) | 8.5810% | 2,632 |
| Retained earnings to average equity (ytd only) | 8.5810% | 1,236 |
| Net charge-offs to loans | 0.1962% | 4,429 |
| Credit loss provision to net charge-offs | 56.6265% | 5,289 |
| Earnings coverage of net charge-offs (x) | 10.8795% | 1,831 |
| Efficiency ratio | 77.3836% | 2,833 |
| Assets per employee ($millions) | 1.2292% | 7,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4489% | 7,560 |
| Loan loss allowance to noncurrent loans | 191.1330% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 6,768 |
| Noncurrent loans to loans | 0.2349% | 6,766 |
| Net loans and leases to total assets | 84.3375% | 330 |
| Net loans and leases to deposits | 97.7651% | 896 |
| Net loans and leases to core deposits | 106.5558% | 1,400 |
| Total domestic deposits to total assets | 86.2654% | 2,941 |
| Equity capital to assets | 12.5731% | 1,756 |
| Core capital (leverage) ratio | 12.5731% | 1,377 |
| Tier 1 risk-based capital ratio | 19.5901% | 1,582 |
| Total risk-based capital ratio | 20.1826% | 1,708 |
| Memoranda: | ||
| Average total assets | $100,605,330 | 5,060 |
| Average earning assets | $91,950,670 | 5,041 |
| Average equity | $12,539,330 | 4,541 |
| Average total loans | $84,615,000 | 4,304 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6934% | 268 |
| Cost of funding earning assets | 0.5132% | 7,658 |
| Net interest margin | 6.1802% | 93 |
| Noninterest income to average assets | 2.0061% | 336 |
| Noninterest expense to average assets | 6.2266% | 197 |
| Loan and lease loss provision to assets | 0.0681% | 5,953 |
| Net operating income to assets | 0.8409% | 2,787 |
| Return on assets (ROA) | 0.8409% | 2,884 |
| Pretax return on assets | 1.3534% | 1,893 |
| Return on Equity (ROE) | 6.7769% | 3,464 |
| Retained earnings to average equity (ytd only) | 6.7769% | 2,231 |
| Net charge-offs to loans | 0.2772% | 3,305 |
| Credit loss provision to net charge-offs | 29.3103% | 4,826 |
| Earnings coverage of net charge-offs (x) | 6.1207% | 2,279 |
| Efficiency ratio | 81.0471% | 2,403 |
| Assets per employee ($millions) | 1.2691% | 7,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4526% | 7,637 |
| Loan loss allowance to noncurrent loans | 218.8571% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 6,891 |
| Noncurrent loans to loans | 0.2068% | 6,921 |
| Net loans and leases to total assets | 82.9817% | 474 |
| Net loans and leases to deposits | 96.0934% | 1,092 |
| Net loans and leases to core deposits | 105.2271% | 1,640 |
| Total domestic deposits to total assets | 86.3552% | 2,960 |
| Equity capital to assets | 12.3121% | 1,866 |
| Core capital (leverage) ratio | 12.3121% | 1,485 |
| Tier 1 risk-based capital ratio | 19.4090% | 1,636 |
| Total risk-based capital ratio | 20.0037% | 1,748 |
| Memoranda: | ||
| Average total assets | $99,894,500 | 5,154 |
| Average earning assets | $91,194,000 | 5,129 |
| Average equity | $12,395,000 | 4,620 |
| Average total loans | $83,705,000 | 4,392 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2295% | 199 |
| Cost of funding earning assets | 0.7278% | 7,652 |
| Net interest margin | 6.5018% | 70 |
| Noninterest income to average assets | 2.0252% | 366 |
| Noninterest expense to average assets | 6.6061% | 236 |
| Loan and lease loss provision to assets | 0.1007% | 6,619 |
| Net operating income to assets | 0.7030% | 2,921 |
| Return on assets (ROA) | 0.8497% | 2,432 |
| Pretax return on assets | 1.3491% | 1,559 |
| Return on Equity (ROE) | 6.5906% | 2,959 |
| Retained earnings to average equity (ytd only) | 4.4796% | 2,115 |
| Net charge-offs to loans | 0.0824% | 6,286 |
| Credit loss provision to net charge-offs | 142.4242% | 3,392 |
| Earnings coverage of net charge-offs (x) | 17.2576% | 1,198 |
| Efficiency ratio | 83.7897% | 2,376 |
| Assets per employee ($millions) | 1.1839% | 7,938 |
| Cash dividends to net income (ytd only)* | 32.0303% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5122% | 7,658 |
| Loan loss allowance to noncurrent loans | 146.7128% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 6,542 |
| Noncurrent loans to loans | 0.3491% | 6,576 |
| Net loans and leases to total assets | 83.8108% | 455 |
| Net loans and leases to deposits | 97.2475% | 1,185 |
| Net loans and leases to core deposits | 113.5367% | 2,545 |
| Total domestic deposits to total assets | 86.1830% | 2,914 |
| Equity capital to assets | 12.5073% | 1,745 |
| Core capital (leverage) ratio | 12.5073% | 1,452 |
| Tier 1 risk-based capital ratio | 19.6785% | 1,527 |
| Total risk-based capital ratio | 20.3574% | 1,597 |
| Memoranda: | ||
| Average total assets | $93,322,600 | 5,289 |
| Average earning assets | $83,269,800 | 5,352 |
| Average equity | $12,032,200 | 4,741 |
| Average total loans | $80,112,000 | 4,505 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3379% | 180 |
| Cost of funding earning assets | 0.7834% | 7,719 |
| Net interest margin | 6.5545% | 68 |
| Noninterest income to average assets | 1.8967% | 412 |
| Noninterest expense to average assets | 6.6355% | 234 |
| Loan and lease loss provision to assets | 0.0840% | 6,527 |
| Net operating income to assets | 0.6342% | 3,480 |
| Return on assets (ROA) | 0.8325% | 2,748 |
| Pretax return on assets | 1.3016% | 1,950 |
| Return on Equity (ROE) | 6.4060% | 3,345 |
| Retained earnings to average equity (ytd only) | 3.5762% | 3,288 |
| Net charge-offs to loans | 0.0537% | 6,173 |
| Credit loss provision to net charge-offs | 181.2500% | 2,521 |
| Earnings coverage of net charge-offs (x) | 23.2163% | 1,130 |
| Efficiency ratio | 85.3736% | 2,144 |
| Assets per employee ($millions) | 1.0886% | 8,030 |
| Cash dividends to net income (ytd only)* | 44.1740% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5247% | 7,678 |
| Loan loss allowance to noncurrent loans | 293.0556% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.8311% | 5,429 |
| Noncurrent loans to loans | 0.1791% | 7,048 |
| Net loans and leases to total assets | 86.4572% | 315 |
| Net loans and leases to deposits | 101.0012% | 1,013 |
| Net loans and leases to core deposits | 120.4517% | 2,208 |
| Total domestic deposits to total assets | 85.6002% | 2,919 |
| Equity capital to assets | 13.0467% | 1,677 |
| Core capital (leverage) ratio | 13.0467% | 1,362 |
| Tier 1 risk-based capital ratio | 19.7840% | 1,599 |
| Total risk-based capital ratio | 20.4756% | 1,666 |
| Memoranda: | ||
| Average total assets | $92,087,500 | 5,362 |
| Average earning assets | $81,692,750 | 5,432 |
| Average equity | $11,967,750 | 4,804 |
| Average total loans | $79,445,250 | 4,563 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3503% | 191 |
| Cost of funding earning assets | 0.8409% | 7,768 |
| Net interest margin | 6.5095% | 69 |
| Noninterest income to average assets | 1.6598% | 535 |
| Noninterest expense to average assets | 6.6152% | 258 |
| Loan and lease loss provision to assets | 0.0566% | 6,658 |
| Net operating income to assets | 0.4613% | 4,247 |
| Return on assets (ROA) | 0.7592% | 3,119 |
| Pretax return on assets | 1.1790% | 2,364 |
| Return on Equity (ROE) | 5.8493% | 3,723 |
| Retained earnings to average equity (ytd only) | 5.8493% | 2,093 |
| Net charge-offs to loans | 0.0607% | 5,654 |
| Credit loss provision to net charge-offs | 108.3333% | 4,270 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,633 |
| Efficiency ratio | 88.8660% | 1,920 |
| Assets per employee ($millions) | 1.1282% | 8,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5523% | 7,722 |
| Loan loss allowance to noncurrent loans | 87.7510% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.2366% | 4,470 |
| Noncurrent loans to loans | 0.6294% | 5,988 |
| Net loans and leases to total assets | 85.0493% | 501 |
| Net loans and leases to deposits | 99.7060% | 1,316 |
| Net loans and leases to core deposits | 120.5140% | 2,320 |
| Total domestic deposits to total assets | 85.3001% | 3,107 |
| Equity capital to assets | 13.0795% | 1,666 |
| Core capital (leverage) ratio | 13.0795% | 1,404 |
| Tier 1 risk-based capital ratio | 20.1237% | 1,555 |
| Total risk-based capital ratio | 20.8505% | 1,613 |
| Memoranda: | ||
| Average total assets | $91,940,330 | 5,409 |
| Average earning assets | $80,867,000 | 5,502 |
| Average equity | $11,933,000 | 4,831 |
| Average total loans | $79,120,330 | 4,616 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4403% | 179 |
| Cost of funding earning assets | 0.8860% | 7,831 |
| Net interest margin | 6.5543% | 72 |
| Noninterest income to average assets | 1.2089% | 984 |
| Noninterest expense to average assets | 6.4328% | 246 |
| Loan and lease loss provision to assets | 0.0567% | 6,255 |
| Net operating income to assets | 0.2620% | 5,427 |
| Return on assets (ROA) | 0.8597% | 3,027 |
| Pretax return on assets | 1.3354% | 2,165 |
| Return on Equity (ROE) | 6.6501% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.6501% | 2,348 |
| Net charge-offs to loans | 0.0961% | 4,216 |
| Credit loss provision to net charge-offs | 68.4211% | 4,380 |
| Earnings coverage of net charge-offs (x) | 5.5263% | 2,658 |
| Efficiency ratio | 92.5902% | 1,532 |
| Assets per employee ($millions) | 1.0727% | 8,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5604% | 7,736 |
| Loan loss allowance to noncurrent loans | 169.2607% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.9926% | 4,710 |
| Noncurrent loans to loans | 0.3311% | 6,601 |
| Net loans and leases to total assets | 84.6598% | 598 |
| Net loans and leases to deposits | 99.0200% | 1,531 |
| Net loans and leases to core deposits | 122.1373% | 2,240 |
| Total domestic deposits to total assets | 85.4978% | 2,970 |
| Equity capital to assets | 13.1039% | 1,701 |
| Core capital (leverage) ratio | 13.1039% | 1,449 |
| Tier 1 risk-based capital ratio | 20.2433% | 1,573 |
| Total risk-based capital ratio | 20.9803% | 1,623 |
| Memoranda: | ||
| Average total assets | $91,655,000 | 5,434 |
| Average earning assets | $79,459,500 | 5,564 |
| Average equity | $11,849,500 | 4,882 |
| Average total loans | $79,122,000 | 4,639 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2218% | 142 |
| Cost of funding earning assets | 1.2866% | 7,860 |
| Net interest margin | 6.9352% | 56 |
| Noninterest income to average assets | 1.3038% | 863 |
| Noninterest expense to average assets | 6.7561% | 305 |
| Loan and lease loss provision to assets | 0.0901% | 6,256 |
| Net operating income to assets | 0.3335% | 5,427 |
| Return on assets (ROA) | 0.9035% | 2,828 |
| Pretax return on assets | 1.4100% | 1,943 |
| Return on Equity (ROE) | 7.2927% | 3,376 |
| Retained earnings to average equity (ytd only) | 4.4085% | 2,381 |
| Net charge-offs to loans | 0.0301% | 6,400 |
| Credit loss provision to net charge-offs | 350.0000% | 1,291 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,411 |
| Efficiency ratio | 90.9528% | 1,444 |
| Assets per employee ($millions) | 1.0469% | 8,229 |
| Cash dividends to net income (ytd only)* | 39.5487% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5446% | 7,774 |
| Loan loss allowance to noncurrent loans | 32.8102% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 1.5055% | 3,209 |
| Noncurrent loans to loans | 1.6597% | 3,280 |
| Net loans and leases to total assets | 87.0261% | 470 |
| Net loans and leases to deposits | 103.0844% | 1,454 |
| Net loans and leases to core deposits | 127.1436% | 2,071 |
| Total domestic deposits to total assets | 84.4222% | 3,119 |
| Equity capital to assets | 12.7547% | 1,890 |
| Core capital (leverage) ratio | 12.7547% | 1,641 |
| Tier 1 risk-based capital ratio | 19.3394% | 1,740 |
| Total risk-based capital ratio | 20.0619% | 1,805 |
| Memoranda: | ||
| Average total assets | $93,189,600 | 5,250 |
| Average earning assets | $81,453,800 | 5,386 |
| Average equity | $11,545,800 | 4,955 |
| Average total loans | $79,729,800 | 4,525 |